Decision Intelligence Architecture for Real‑Time Financial Systems: A Framework for High‑Velocity, High‑Integrity Decisioning

Mahendravarman Sampathu

Authors

Mahendravarman Sampathu Senior Solution Architect, Bridgewater, New Jersey, USA. Author

Keywords:

Real Time Decision Intelligence, Streaming Analytics, Semantic Governance, Decision Modeling, Risk Scoring, Large Language Models, Explainable AI, Regulatory Compliance, Financial Decision Systems

Abstract

Financial institutions are undergoing a fundamental shift from traditional, batch oriented analytics toward real time, intelligence driven decisioning. This paper proposes a unified Decision Intelligence (DI) architecture that integrates streaming data pipelines, governed semantic layers, decision modeling frameworks, and AI assisted reasoning to support millisecond level decisions across high velocity financial domains. The architecture addresses long standing challenges of fragmented logic, inconsistent rule interpretation, and limited explainability by centralizing business semantics, enforcing policy governance, and incorporating Large Language Models for contextual interpretation and transparent explanation generation. Through detailed use cases—including fraud detection, credit decisioning, trading risk controls, AML alerting, and liquidity optimization—the paper demonstrates how real time DI improves latency, decision quality, regulatory alignment, and operational efficiency. The work concludes by outlining future directions such as multimodal DI, autonomous decision agents, domain specific financial LLMs, and real time regulatory compliance engines, positioning DI as a foundational capability for the next generation of financial decision systems.

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