Navigating the Nexus of Digital Transformation and Business Intelligence: Impact and Innovations in Finance and Retail Sectors

Digital transformation (DT) and business intelligence (BI) are critical drivers of competitiveness and innovation in the finance and retail sectors. In this review, the current research evidence on how DT projects with added BI tools and technologies influence business performance, customer satisfaction, and operational effectiveness is discussed. Improvement in performance aside, concern areas remain inthe context of data integration, security, and organizational readiness. This research presents a conceptual framework representing central factors to successful DT-BI integration and suggests empirical findings supporting improved business performance. Future research directions aim at leveraging novel AI technologies and ethics dilemmas to better achieve the advantages of DT and BI. This paper offers insights useful to researchers and practitioners interested in mapping the intricate digital business landscape of the finance and retail industries.