Next-Generation Financial Analytics: Integrating Scalable Technology Solutions for System-Wide Transformation in the United States Banking Sector

Author(s)	Fadairo Iyamu Temitope
Country	United States
Abstract	This study examines the role of next-generation financial analytics and scalable technology solutions in driving system-wide transformation in the United States banking sector. It highlights how cloud-native infrastructures, artificial intelligence, predictive modelling, and customer-centric analytics are reshaping banking operations. The findings reveal that the integration of these technologies enhances operational efficiency, strengthens systemic resilience, and enables real-time decision-making, while also supporting financial inclusion. However, challenges persist in areas of data privacy, regulatory compliance, and legacy system integration. Holistic transformation requires not only technological innovation but also organizational readiness and regulatory alignment. Therefore, it is recommended that United States banks adopt collaborative technology strategies, invest in adaptive infrastructures, and pursue strong governance frameworks to achieve sustainable competitiveness in a digital-first financial ecosystem.
Keywords	Financial analytics, Technology integration, Artificial intelligence, Cloud-native platforms
Published In	Volume 7, Issue 6, November-December 2025
Published On	2025-11-09
DOI	https://doi.org/10.36948/ijfmr.2025.v07i06.58795

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