Governance and Economic Sustainability of AI-Driven Decision Intelligence: A Case Study of Bank of America

In the banking sector, the adoption of Artificial Intelligence (AI) is often driven by a deterministic narrative that associates automation with direct increases in productivity and risk quality. However, empirical evidence signals a persistent "execution gap": value does not emerge automatically, remaining tied to fragmented initiatives and structural limitations of the operating model and governance. This paper addresses this gap by proposing a decision-making framework for the adoption of AI-driven Decision Intelligence, establishing theoretical continuity between integration technologies (SOA) and new paradigms of algorithmic decisionmaking. Through a qualitative design based on an archival single case study and the application of pattern matching logic, the research analyzes the case of Bank of America as an empirical contrast to demonstrate how the transformation of AI into a scalable decision-making capability requires systemic alignment between infrastructure and control frameworks. The analysis identifies five mechanisms of value generation: strategic anchoring (enterprise-by-design), the establishment of proprietary information assets (data moat), governance as an accelerator of institutional trust, socio-technical integration of personnel, and the decoupling of operating costs (operational leverage). The study offers a threefold contribution: theoretical, by evolving adoption models for integration technologies; empirical, by validating industrial scalability mechanisms; and managerial, by providing a strategic roadmap for the transition from experimentation to operational Decision Intelligence.

Authors

Publication Details

Journal
Zenodo (CERN European Organization for Nuclear Research)
Published
2026-03-16
DOI
https://doi.org/10.5281/zenodo.19160139
Primary Topic
Big Data and Business Intelligence
Type
article
Field-Weighted Citation Impact
0.00
Controls
|||
ALL TIME
JAN
FEB
MAR
APR
MAY
JUN
JUL
AUG
SEP
OCT
article

Governance and Economic Sustainability of AI-Driven Decision Intelligence: A Case Study of Bank of America

Maurizio Priolo, Andrea Priolo
Zenodo (CERN European Organization for Nuclear Research)
Big Data and Business Intelligence
article

Governance and Economic Sustainability of AI-Driven Decision Intelligence: A Case Study of Bank of America

Maurizio Priolo, Andrea Priolo
article en

Abstract

In the banking sector, the adoption of Artificial Intelligence (AI) is often driven by a deterministic narrative that associates automation with direct increases in productivity and risk quality. However, empirical evidence signals a persistent "execution gap": value does not emerge automatically, remaining tied to fragmented initiatives and structural limitations of the operating model and governance. This paper addresses this gap by proposing a decision-making framework for the adoption of AI-driven Decision Intelligence, establishing theoretical continuity between integration technologies (SOA) and new paradigms of algorithmic decisionmaking. Through a qualitative design based on an archival single case study and the application of pattern matching logic, the research analyzes the case of Bank of America as an empirical contrast to demonstrate how the transformation of AI into a scalable decision-making capability requires systemic alignment between infrastructure and control frameworks. The analysis identifies five mechanisms of value generation: strategic anchoring (enterprise-by-design), the establishment of proprietary information assets (data moat), governance as an accelerator of institutional trust, socio-technical integration of personnel, and the decoupling of operating costs (operational leverage). The study offers a threefold contribution: theoretical, by evolving adoption models for integration technologies; empirical, by validating industrial scalability mechanisms; and managerial, by providing a strategic roadmap for the transition from experimentation to operational Decision Intelligence.

Zenodo (CERN European Organization for Nuclear Research)
Industry, innovation and infrastructure
Openalex Percentile: Top 10%
Big Data and Business Intelligence
AI Navigator

Ask Laika to Summarize, Analyze, and Connect papers live on the map.

Summarize Papers & Methodologies

Extract key findings, datasets, and comparative methods across publications.

Benchmark Rankings & Visual Analytics

Rank top research institutions, authors, funders, topics, and journals by Field-Weighted Citation Impact (FWCI) and paper volume with instant charts.

Connect Distant Disciplines

Bridge topological clusters on the map to find hidden collaborative intersections.