1. Individual banks will have to figure out their KPIs. Individual customer profitability, bank's overall profitability, overall customer satisfaction, perceived image index,  competitiveness etc. are some of the many things banks can monitor using BI technologies.

2. Factors that will decide the BI project implementation in banks could be explored through an exploratory research study. Support and guidance  for such a study would be required.

Dear Mishra

i think you must clear your first answer. each capability of business intelligence use based on firm purpose. so it is better to modify it. further, maybe the following title help you more in this way:"Factors influencing business intelligence (BI) data collection strategies: An empirical investigation".

Besides, for second question you should consider managerial and cultural issue more than some technical issue. for example you can search on "analytical decision making culture". furthermore, you can find several interesting idea by reviewing around "absorptive capacity" topic.

best regards

Hi Rekha Mishra,

• Customer profitability analysis. Determinate the overall profitability of individual customer, current and long term, provide the basis for high-profit sales and relationship banking, maximize sales to high-value customers, reduce costs to low-value customers, provide the means to maximize profitability of new products and services
• Credit management. Establish patterns of credit problem progression by customers class and type, warn customers to avoid credit problems, to manage credit limits, evaluate of the bank’s credit portfolio, reduce credit losses
• Branch sales. Improve customer service and account selling, facilitate cross selling, improve customer support, strengthen customer loyalty

https://www.researchgate.net/publication/228620967_Business_intelligence_systems_in_the_holistic_infrastructure_development_supporting_decision-making_in_organisations

Article Business Intelligence Systems in the Holistic Infrastructure...

Fraud analysis is one of the most important analysis in banking sector.

Credit scoring is the second most important analysis in banking sector.

Credit scoring models enable to determine financial risk that is related to particular customers. It may be performed according to different models. Correct selection of the models depends on the analysis objective and specifics of the analysed data:

• application scoring – used in case of new customers; information on them is available only on the basis of completed application forms;
• behavioural scoring – paying attention to additional information on customers’ track re-cords; it predicts customers’ future behaviour; and
• profit scoring – expanding of the basic scoring model; it pays attention not only to prob-ability of paying back credits by customers, but also helps to assess what sort of profit may be expected as a result of co-operation with a particular customer; it is a more so-phisticated model because it considers several additional economic factors.

Let me try to answer the 2nd part of your question. What factors determine BI success in Bank?

I believe the factors that govern the success of BI in bank is very similar to issues what other industries like manufacturing or service sectors have faced while utilizing BI.

In recent years, we did some prototyping by mining some of the BI knowledge from experts and packaging those into products for doing more with fewer resources.I think you can do the same for banking like portfolio or mortgage type products and achieve similar results in banking sectors as well.

Conference Paper Knowledge-based Enterprising (KBE) Strategy for Lean Product...