Purpose

Accurate evaluation of the consequences of new technologies in various industries is of great significance. So, it will be essential to examine the impact of this technology on the banking industry, representing how to create, deliver and gain value in this industry. This study aims to investigate whether blockchain can affect the business intelligence efficiency of banks. This study also aims to examine the impact of security, fraud reduction and privacy of blockchain, equal and anonymous access to the blockchain, decentralization and sustainability of blockchain, accountability and transparency of blockchain, quality, speed and efficiency of blockchain on business intelligence efficiency.

Design/methodology/approach

Technological changes are creating new challenges and opportunities for various industries. The inability of organizations to adapt to these changes may even lead to their deletion from the market. Blockchain is one of the most critical technologies in recent years. One of the sectors that will undergo significant changes in blockchain technology is the banking industry. According to the reviewed literature in this study, a comprehensive model has been proposed to examine the impact of security, fraud reduction and privacy of blockchain, equal and anonymous access to the blockchain, the decentralization and sustainability of blockchain, accountability and transparency of blockchain and quality, speed and efficiency of blockchain on business intelligence efficiency. A survey method was used to collect data from banks of the Nanjing city. The partial least square technique was used for data analysis.

Findings

The results showed that the fit of the proposed model was very good. Also, all assumptions except one were confirmed. It means that security, fraud reduction and privacy of blockchain factor have a remarkable and positive impact on all aspects of business intelligence efficiency, namely information technology, employees, competitors and customers. Also, equal and anonymous access to the blockchain factor has a positive and significant effect on all aspects of business intelligence efficiency. The decentralization and sustainability of blockchain factors have an impact on business intelligence efficiency. Also, blockchain's accountability and transparency as a fourth factor have a positive and significant impact on all aspects of business intelligence efficiency. Finally, the last factor (quality, speed and efficiency of blockchain) has a positive and significant effect on information technology, employees and customers' dimensions. But, it does not affect the competitors' dimension, and this hypothesis has not been confirmed.

Practical implications

This paper offers valuable insight for business intelligence practitioners into how blockchain technology has the potential to disrupt existing business intelligence provisions.

Originality/value

This paper is one of the first studies to examine the impact of blockchain on IT dimension, organizational employees' dimension, customer dimension and competitors' dimension. It lays a firm foundation for future research.

中文翻译：

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区块链对银行商业智能效率的影响

目的

准确评估新技术对各行业的影响具有重要意义。因此，有必要检查这项技术对银行业的影响，代表如何在该行业中创造、交付和获取价值。本研究旨在调查区块链是否会影响银行的商业智能效率。本研究还旨在研究区块链的安全性、减少欺诈和隐私、平等和匿名访问区块链、区块链的去中心化和可持续性、区块链的问责制和透明度、区块链的质量、速度和效率对商业智能效率的影响。

设计/方法/方法

技术变革正在为各行各业创造新的挑战和机遇。组织无法适应这些变化甚至可能导致它们被市场淘汰。区块链是近年来最关键的技术之一。区块链技术将发生重大变化的行业之一是银行业。根据本研究中回顾的文献，提出了一个综合模型来检验区块链的安全性、减少欺诈和隐私、平等和匿名访问区块链、区块链的去中心化和可持续性、区块链的问责制和透明度以及区块链对商业智能效率的质量、速度和效率。使用调查方法从南京市的银行收集数据。

发现

结果表明，所提出模型的拟合度非常好。此外，除了一个假设之外的所有假设都得到了证实。这意味着区块链因素的安全性、减少欺诈和隐私性对商业智能效率的各个方面，即信息技术、员工、竞争对手和客户，都有显着的积极影响。此外，平等和匿名访问区块链因素对商业智能效率的各个方面都有积极而显着的影响。区块链因素的去中心化和可持续性对商业智能效率有影响。此外，区块链的问责制和透明度作为第四个因素对商业智能效率的各个方面都有积极而重大的影响。最后，最后一个因素（质量，区块链的速度和效率）对信息技术、员工和客户维度产生积极而显着的影响。但是，它并不影响竞争对手的维度，这个假设还没有得到证实。

实际影响

本文为商业智能从业者提供了宝贵的见解，了解区块链技术如何有可能破坏现有的商业智能规定。

原创性/价值

本文是最早研究区块链对 IT 维度、组织员工维度、客户维度和竞争对手维度的影响的研究之一。为以后的研究打下了坚实的基础。