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O presente estudo analisa o contributo do Business Intelligence (BI) no setor bancário, com especial enfoque na sua influência na tomada de decisão, eficiência operacional, auditoria, prevenção de fraude e cibersegurança. A investigação teve como objetivo compreender de que forma as tecnologias de BI são utilizadas pelas instituições financeiras para otimizar processos, apoiar a gestão do risco e reforçar os mecanismos de controlo. A metodologia adotada combinou a revisão da literatura com uma abordagem qualitativa baseada em entrevistas semiestruturadas a profissionais com experiência nas áreas da banca, auditoria, sistemas de informação e gestão de risco. Os resultados obtidos demonstram que o BI é associado significativamente para melhorar a qualidade da informação disponibilizada aos decisores, aumentar a eficiência operacional através da automatização de processos e reforçar a capacidade de deteção e prevenção de fraudes. Os entrevistados destacaram igualmente a crescente integração entre BI, Inteligência Artificial (IA) e Machine Learning (ML), permitindo uma análise mais rápida e precisa de grandes volumes de dados e contribuindo para o fortalecimento da cibersegurança nas instituições financeiras. Conclui-se que o BI constitui uma ferramenta estratégica para o setor bancário, potenciando a competitividade, a inovação e a capacidade de resposta aos desafios regulatórios e tecnológicos atuais, apesar dos desafios associados à qualidade dos dados, integração tecnológica e disponibilidade de recursos especializados.
This study analyzes the contribution of Business Intelligence (BI) in the banking sector, with a special focus on its influence on decision-making, operational efficiency, audits, fraud prevention, and cybersecurity. The research aimed to understand how BI technologies are used by financial institutions to improve processes, support risk management, and strengthen control mechanisms. The methodology adopted combines a literature review with a qualitative approach based on semi-structured interviews with professionals with experience in the areas of banking, auditing, information systems, and risk management. The results obtained demonstrate that BI contributes significantly to improving the quality of information available to decision-makers, increasing operational efficiency through process automation, and strengthening the capacity for fraud detection and prevention. Interviewees also highlighted the growing integration between BI, Artificial Intelligence (AI), and Machine Learning (ML), allowing for faster and more accurate analysis of large volumes of data and contributing to the strengthening of cybersecurity in financial institutions. It is concluded that BI constitutes a strategic tool for the banking sector, enhancing competitiveness, innovation, and the ability to respond to current regulatory and technological challenges, despite the challenges associated with data quality, technological advancements, and the availability of specialized resources.
This study analyzes the contribution of Business Intelligence (BI) in the banking sector, with a special focus on its influence on decision-making, operational efficiency, audits, fraud prevention, and cybersecurity. The research aimed to understand how BI technologies are used by financial institutions to improve processes, support risk management, and strengthen control mechanisms. The methodology adopted combines a literature review with a qualitative approach based on semi-structured interviews with professionals with experience in the areas of banking, auditing, information systems, and risk management. The results obtained demonstrate that BI contributes significantly to improving the quality of information available to decision-makers, increasing operational efficiency through process automation, and strengthening the capacity for fraud detection and prevention. Interviewees also highlighted the growing integration between BI, Artificial Intelligence (AI), and Machine Learning (ML), allowing for faster and more accurate analysis of large volumes of data and contributing to the strengthening of cybersecurity in financial institutions. It is concluded that BI constitutes a strategic tool for the banking sector, enhancing competitiveness, innovation, and the ability to respond to current regulatory and technological challenges, despite the challenges associated with data quality, technological advancements, and the availability of specialized resources.
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Auditoria Business Intelligence Instituições financeiras Risco Tecnologias de informação Auditing Financial institutions Risk Information technologies