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This study developed a new analytical model to quantify the influence of business intelligence (BI) adoption on bank performance. An in-depth review of academic literature revealed a significant research gap exists in investigating BI's performance impacts, especially in the under-studied Indian banking context. Additionally, customer relationship management (CRM) was incorporated as a moderating variable given banks' large customer databases.

A survey was administered to 413 employees across leading Indian banks to collect empirical data for evaluating the conceptual model. Relationships between variables were analysed using partial least squares structural equation modelling (PLS-SEM). This technique is well-suited for theory building with smaller sample sizes and non-normal data.

Statistical analysis supported the hypothesised positive effect of BI adoption on bank performance dimensions including growth, internal processes, customer satisfaction, and finances. Furthermore, while CRM did not significantly moderate this relationship, its inclusion represents an incremental contribution to the limited academic literature on BI in Indian banking.

The model provides a quantitative basis for strategies leveraging BI's performance benefits across the variables studied. Moreover, the literature review revealed an important knowledge gap and established a testable framework advancing BI theory in the Indian banking context. Significant future research potential exists through model replication, expansion, and empirical verification.

This research thoroughly reviewed existing academic literature to develop a novel testable model absent in prior studies. It provides a robust conceptual foundation and rationale for ongoing scholarly investigation of BI's deployment and organisational impacts.

This review identifies low self-concept clarity (SCC) as a source of consumer vulnerabilities and explains how the uncertainty associated with low SCC leads to processes that result in materialistic behaviors and overspending, product dissatisfaction, and potential self-harm. Processes include uncertainty reduction efforts through symbolic self-completion and social comparison, responses to everyday self-concept threats that result in feelings of deficiency and reduced consumption constraints, and susceptibility to interpersonal and marketer influences. In addition, the negative association between SCC and materialism is explained, risk factors for low SCC are described, and the need for research to help low SCC consumers deal with their vulnerabilities is explored.

Humans engage in two types of processing. One system is the rapid, affect-based, and intuitive, “experiential” system, while the other is the relatively slower, cognition-based, and reflective, “rational” system. Extant work focuses on the consequences of having one system relatively dominant over the other. In the current research, we show that consumers who use neither system to a great degree (i.e., low-system consumers) are vulnerable to undesirable outcomes. Specifically, four studies demonstrate that these consumers face confusion in the process of making judgments due to their lack of processing inputs and resolve this confusion by making judgments that are implied by salient stimuli, regardless of the stimuli's diagnostic value. The result is an unbalanced, easily biased, and “blown away by the gust of wind” judgment process that both policymakers and low-system consumers should be vigilant to.