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Data-Driven Business Process Evaluation in Commercial Banks: Multi-Dimensional Framework with Hybrid Analytical Approaches

Zaiwen Ni,Binqing Xiao,Yanying Li

Published 2025 in Syst.

ABSTRACT

The efficiency and reliability of business processes in commercial banks are critical to financial stability and compliance. However, traditional evaluation methods that rely on retrospective qualitative assessments and static frameworks struggle to address the dynamic complexities inherent in modern banking operations. These approaches lack real-time monitoring, fail to leverage granular event log data, and overlook organizational interdependencies, hindering proactive risk management and optimization. To bridge these gaps, this study proposes a data-driven evaluation framework that integrates three core dimensions: efficiency, quality, and flexibility. We developed a hybrid analytical model by integrating process mining with DEMATEL-AHP to analyze a Chinese bank’s performance guarantee process, comparing pre- and post-centralization workflows. The analysis revealed that post-centralization processes exhibited improved flexibility but reductions in efficiency and quality. Moreover, the social network analysis highlighted structural shifts, including expanded audit participation and reduced departmental cohesion, contributing to inefficiencies. This study advances business process management by demonstrating that a data-driven process evaluation framework offers greater persuasiveness and methodological rigor than traditional qualitative approaches.

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