Scalable Hybrid AI-Cloud Architecture for SAP-Integrated Next-Generation Banking Ecosystems
DOI:
https://doi.org/10.15662/IJARCST.2025.0806008Keywords:
SAP S/4HANA Finance, Oracle Cloud Infrastructure, banking analytics, AI driven finance, cloud integration, ERP cloud data pipeline, real time risk monitoring, banking digital transformation, scalable analyticsAbstract
The banking industry is increasingly seeking ways to modernize financial operations by combining legacy enterprise resource planning (ERP) systems with scalable cloud‑native analytics and artificial intelligence (AI) capabilities. This paper examines how integrating a leading financial ERP platform (SAP S/4HANA Finance or equivalent) with the cloud services of Oracle (specifically Oracle Cloud Infrastructure, OCI) can support scalable, AI‑driven banking analytics. We propose a reference architecture and discuss how SAP‑based financial systems can feed consolidated, high‑quality data into OCI’s analytics, data‑lake, and AI/ML layers to support real‑time risk monitoring, customer insights, fraud detection, and regulatory reporting. A literature review surveys key trends in ERP‑cloud integration, AI in banking analytics, and cloud‑native finance platforms. The research methodology describes a mixed‑method approach: qualitative interviews with banking IT/finance leaders, and quantitative proof‑of‑concept benchmarking of the integrated platform. The advantages (e.g., unified data platform, scalable AI, faster insights) and disadvantages (e.g., integration complexity, data governance, cost) are discussed. Early results indicate that banks adopting this integrated model can achieve improved latency in analytics workflows and greater agility in financial insights. The conclusion offers implications for banking CIOs and finance leaders, and future work points to deeper AI model integration, cross‑cloud extensions, and regulatory/ethical oversight of AI‑powered finance. Overall, this study provides a blueprint for banking institutions to architect an integrated SAP‑to‑OCI pipeline for finance systems and analytics, enabling more responsive, data‑driven banking operations.
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