Authors - Efrem MBAKI LUZAYISU Abstract - The aim is to analyze the possibilities of optimizing decision-making systems in financial institutions, essentially based on a comparison of two models: centralized (corporate) BI and decentralized (business) BI under four do-mains — decision-making efficiency, data governance, agility and user satisfaction — The article evaluates the advantages and limitations of each approach. The study is based on a qualitative methodology combining semi-structured interviews and documentary analysis, applied to two major European banks. Based on concrete indicators (reporting time, adoption of BI tools, GDPR compliance, satisfaction), the article puts into perspective the trade-offs between centralization and autonomy, and proposes avenues towards hybrid architectures reconciling rigor, flexibility and innovation.
