Evaluación del índice de madurez de las áreas de analítica para la implementación de un plan de estandarización, optimización y fortalecimiento en la institución financiera
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Date
2026-03-02
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Universidad Tecnológica Centroamericana UNITEC
Abstract
La analítica de datos se ha convertido en un habilitador estratégico para la toma de decisiones en el sector financiero; sin embargo, la ausencia de evaluaciones estandarizadas de madurez analítica genera disparidades en metodologías, procesos y herramientas entre las áreas organizacionales. Esta investigación tuvo como objetivo evaluar el Índice de Madurez Analítica (IMA) de las áreas de analítica de una institución financiera mediante la aplicación de un instrumento basado en el Índice de Madurez en Datos y Analítica (IMD&A), utilizando un enfoque mixto con encuestas estructuradas y análisis descriptivos aplicados a las áreas de analítica de la institución financiera. Los resultados posicionan a la institución en un nivel de madurez “En proceso”, evidenciando avances en cultura organizacional y liderazgo orientado al dato, así como brechas relevantes en arquitectura de datos, gobernanza, estandarización de procesos y prácticas FinOps, las cuales limitan el aprovechamiento estratégico de la analítica. A partir de estos hallazgos, se propone un plan de acción estratégico enfocado en la estandarización metodológica, la optimización de procesos y el fortalecimiento de la gobernanza de datos, con el fin de consolidar un modelo analítico sostenible y alineado con los objetivos del negocio.
Data analytics has become a strategic enabler for decision-making in the financial sector; however, the lack of standardized analytics maturity assessments leads to disparities in methodologies, processes, and tools across organizational areas. This research aimed to evaluate the Analytics Maturity Index (AMI) of the analytics areas within a financial institution through the application of a measurement instrument based on the Data and Analytics Maturity Index (D&AMI), using a mixed-methods approach with structured surveys and descriptive analysis applied to analytics areas in the financial institution. The results place the institution at an “In Progress” maturity level, showing advances in data-driven culture and leadership, as well as relevant gaps in data architecture, governance, process standardization, and financial operations management practices (FinOps), which limit sustainability and the strategic use of analytics. Based on these findings, a strategic action plan is proposed, focused on methodological standardization, process optimization, and strengthening data governance to consolidate a sustainable, scalable, and business-aligned analytics model.
Data analytics has become a strategic enabler for decision-making in the financial sector; however, the lack of standardized analytics maturity assessments leads to disparities in methodologies, processes, and tools across organizational areas. This research aimed to evaluate the Analytics Maturity Index (AMI) of the analytics areas within a financial institution through the application of a measurement instrument based on the Data and Analytics Maturity Index (D&AMI), using a mixed-methods approach with structured surveys and descriptive analysis applied to analytics areas in the financial institution. The results place the institution at an “In Progress” maturity level, showing advances in data-driven culture and leadership, as well as relevant gaps in data architecture, governance, process standardization, and financial operations management practices (FinOps), which limit sustainability and the strategic use of analytics. Based on these findings, a strategic action plan is proposed, focused on methodological standardization, process optimization, and strengthening data governance to consolidate a sustainable, scalable, and business-aligned analytics model.
Keywords
Analítica, Gobernanza de Datos, Madurez Analítica, Sector Financiero