Next-Generation Financial Transaction Informatization: From “Tool Empowerment” to “Intelligent Decision-Making”

The global financial transaction informatization is currently at a critical transition period towards “intelligent decision-making,” with “data silos,” “capability disconnections,” and “path ambiguity” forming the core bottlenecks of the industry. A 2023 survey of global asset management institutions revealed that only 23% of the institutions have completed the transformation to intelligent decision-making, while the rest remain at the basic tool automation stage. This study employs a mixed research design of analytic hierarchy process (AHP), entropy weight method, event study method, and panel data regression to construct a three-dimensional dynamic evolution model of “technology maturity-business integration-decision-making contribution.” It delineates a four-stage evolution path and quantifies the characteristics, revealing the catalytic effect of dual-domain capability integration and defining the critical threshold for intelligent decision-making dominance. The findings indicate that dual-domain integration can shorten the informatization upgrade cycle by 38%; “data sharing rate ≥80%, AI model out-of-sample accuracy ≥85%, and cross-departmental collaboration efficiency ≥75%” are the necessary conditions for transitioning from “intelligent assistance” to “decision-making dominance.” This study fills the academic gap in “dual-domain collaborative evolution,” providing a quantifiable practical guide for the digital transformation of financial institutions, with both theoretical and practical significance.