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O impacto do Data Lake nos sistemas de reporting do setor bancário
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Orientador(es)
Resumo(s)
O setor bancário é caracterizado pela forte regulamentação e supervisão, bem como pela existência de inúmeros sistemas de informação heterogéneos, os quais foram sido adquiridos e adaptados ao longo do tempo. Por outro lado, a enorme quantidade de dados, definida por Big Data, trouxe novos desafios ao processamento e integração dos dados e, consequentemente, à sua qualidade. O mercado está a mudar e o setor bancário não é exceção. Para dar resposta à falta de qualidade dos dados, o Basel Committee on Banking Supervision (2013), (BCBS), definiu 14 princípios, nomeados como BCBS 239, que devem ser atendidos por este setor. No entanto, estes princípios são vagos e não existe nenhuma orientação sobre os métodos a utilizar para agir em conformidade com o regulador. Por este motivo, as questões de investigação são: como é que o Data Lake impacta a concretização dos princípios BCBS 239? De que forma está a organização em conformidade com os princípios do BCBS 239? Quais são as vantagens e os desafios do Data Lake do ponto de vista da organização em estudo? Para dar resposta, foi desenvolvido um case study com recurso a entrevistas semiestruturadas a colaboradores de um banco que atua no mercado português. Para a análise de dados foi utilizado o programa MAXQDA. Os resultados obtidos permitem identificar que a existência de várias fontes de dados e de processos não automatizados são os desafios com maior expressão nos atuais processos de reporting. Além disso, é possível reconhecer que as principais vantagens do Data Lake advêm do facto de este ser um repositório único, potencializar a uniformização de conceitos de negócio e melhorar a eficiência organizacional. Por outro lado, a ambiguidade de conceitos é um obstáculo que tem de ser ultrapassado, de forma a garantir a existência de um modelo de governo de dados. Em suma, o Data Lake é um excelente meio para cumprir o BCBS 239, em especial, no desenvolvimento da arquitetura de dados e infraestrutura de TI, melhorando, consequentemente, a qualidade dos dados.
The banking sector is characterized by strong regulation and supervision, as well as the existence of numerous heterogeneous information systems, which have been acquired and adapted over time. On the other hand, the enormous amount of data, conceptualized as Big Data, brought new challenges to data processing and integration processes and, consequently, its quality. The market is changing, and the banking sector is no exception. Therefore, to respond to the lack of data quality, the Basel Committee on Banking Supervision (2013), (BCBS), defined the BCBS 239, which compilates 14 principles that the companies of this sector must meet. However, these principles are vague, and there is no guidance on the methods to be used to comply with regulators. For this reason, the research questions are: how does Data Lake impact the implementation of BCBS 239 principles? How is the organization compliant with the BCBS 239 principles? What are the advantages and challenges of the Data Lake from the point of view of the organization? A case study was developed using semi-structured interviews with current employees of a bank operating in the portuguese market to investigate this research topic. Moreover, the data analysis was conducted via the MAXQDA program. The results obtained allowed to acknowledge that the existence of a wide range of data sources and non-automated processes is the most significant challenge in current reporting processes. Furthermore, it was possible to recognize that the main advantages of Data Lake focus on the fact that (1) it is a single repository; (2) it enhances the standardization of business concepts and consequently, (3) improves organizational efficiency. On the contrary, the present study also revealed that the ambiguity of concepts is a critical obstacle that must be overcome to guarantee the existence of a data governance model. In short, Data Lake is a powerful way to meet BCBS 239, in particular, in developing data architecture and IT infrastructure, thereby improving data quality.
The banking sector is characterized by strong regulation and supervision, as well as the existence of numerous heterogeneous information systems, which have been acquired and adapted over time. On the other hand, the enormous amount of data, conceptualized as Big Data, brought new challenges to data processing and integration processes and, consequently, its quality. The market is changing, and the banking sector is no exception. Therefore, to respond to the lack of data quality, the Basel Committee on Banking Supervision (2013), (BCBS), defined the BCBS 239, which compilates 14 principles that the companies of this sector must meet. However, these principles are vague, and there is no guidance on the methods to be used to comply with regulators. For this reason, the research questions are: how does Data Lake impact the implementation of BCBS 239 principles? How is the organization compliant with the BCBS 239 principles? What are the advantages and challenges of the Data Lake from the point of view of the organization? A case study was developed using semi-structured interviews with current employees of a bank operating in the portuguese market to investigate this research topic. Moreover, the data analysis was conducted via the MAXQDA program. The results obtained allowed to acknowledge that the existence of a wide range of data sources and non-automated processes is the most significant challenge in current reporting processes. Furthermore, it was possible to recognize that the main advantages of Data Lake focus on the fact that (1) it is a single repository; (2) it enhances the standardization of business concepts and consequently, (3) improves organizational efficiency. On the contrary, the present study also revealed that the ambiguity of concepts is a critical obstacle that must be overcome to guarantee the existence of a data governance model. In short, Data Lake is a powerful way to meet BCBS 239, in particular, in developing data architecture and IT infrastructure, thereby improving data quality.
Descrição
Mestrado Bolonha em Gestão de Sistemas de Informação
Palavras-chave
Banca BCBS 239 Big Data Data Lake Gestão da Qualidade dos Dados Reporting Banking Data Quality Management
Contexto Educativo
Citação
Ramos, Mariana Alexandra Cravo (2021). "O impacto do Data Lake nos sistemas de reporting do setor bancário". Dissertação de Mestrado, Universidade de Lisboa. Instituto Superior de Economia e Gestão.
Editora
Instituto Superior de Economia e Gestão