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A R G U M E N T A OECONOMICA No 1-2(17)2005 PL ISSN 1233-5835

Szymon Kościów*, Andrzej M ałachowski

*,

FROM BUSINESS INTELLIGENCE

TO COGNITIVE SYSTEMS

In th is paper, the authors p re sen te d an evolution o f b u sin e ss intelligence systems and su g g e ste d that in the near future o n e sh o u ld consider so-called c o g n itiv e system s as the next step to w a rd s more powerful and k n o w led g eab le systems.

K e y w o rd s : systems e v o lu tio n , business intelligence sy stem s, real-tim e business in te llig e n c e systems, cognitive sy stem s, real-tim e m anagem ent

INTRODUCTION

C onstant development o f information com m unication technologies, global competition, instability o f economic processes and strong dependence of contem porary companies on the retrieval and flow of information and know ledge determine the creation of the particular decision support systems - b usiness intelligence system s (BI).

T he aim of this article is to show how systems o f that kind are meant to cope w ith the problems arising from the growing dem and for successful inform ation retrieval and know ledge acquisition (necessary in management, b uilding strategies, getting a com petitive advantage, and so on) and why these system s constitute the confirm ation of a new paradigm in management - a com pany based on know ledge (so-called: intelligent company), in which a key factor is an effective management of inform ation and knowledge (K u b iak 2002).

Pressure from environm ent, competition, together with the alm ost unstoppable increase of inform ation in the com pany’s environment (as well as the necessity for fast reactions to any changes) m ake the time of decision processes shorten, severely reducing them to a form of the real-time m anagem ent, where decisions are generated im m ediately to solve occurring problem s. Observing the developm ent of m anagem ent support systems, one can notice the conversion from batch (or quasi-batch) processing of the

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inform ation and knowledge to real-time processing, where incoming inform ation and knowledge are directly utilized in decision-m aking. These changes are also valid in the case of latest management support systems - business intelligence systems. M oreover, in this class o f system s, there is a new form o f information retrieval and knowledge acquisition arising, which leads tow ards so-called “cognitive systems”. In this paper, we will present BI system s, real-time BI system s and enterprise analytic applications as more m odern and attractive form s o f their evolution. At the end, the authors would like to focus on the new and promising (how ever still in a phase of developm ent) class of intelligent system s used in m anagem ent, i.e. cognitive systems.

1. BUSINESS INTELLIGENCE SYSTEMS

Typical management support systems (transaction, M IS, ESS, DSS, expert) used in many com panies do not necessarily create sufficient conditions for them to gain an advantage over other players in the market. D espite calling these systems "com plex" or "integrated", they do not offer direct and constant access to collected information and knowledge even though they still possess lim ited abilities in presenting analyses and are hardly oriented to profiles of co m pany’s managers.

In the early 1990s, com panies took advantage of the market's need for decision support systems to create and define a new category of application program s and technologies w hich is now known as business intelligence (BI). B usiness intelligence allow s organizations to gather, store, analyse, and provide access to data (extract useful information from a rapidly growing inventory o f disparate data sources, including multiple database platforms, packaged applications, data w arehouses, data marts and e-business systems) to help corporate users make better business decisions.

B usiness intelligence systems appear to be the right solution for many of the problem s of companies now adays (Business 2001; Liautaud 2001). A m ong them , one can point out such as business d ecisio n s’ optimization; better understanding of the dynam ics of the com pany (based on the data from co m p an y ’s information resources, and knowledge and experience of its w orkers); or monitoring the constantly changing environm ent and adapting to these changes.

B usiness intelligence is a broad category of Business processes, application software and other technologies for gathering, storing, analyzing,

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and providing access to data to help users make better business decisions. By offering tools for data exploration, BI enables discovering new potential, identifying the tendencies, and registering events crucial for the business. B usiness intelligence can be described as the process o f enhancing data into inform ation and then into know ledge. BI is carried out to gain competitive advantage. Though this advantage is not constant, and these systems do not solve all the problems, it is hard to see their significance from the point of view o f businesses.

B usiness Intelligence may b e perceived as a specific pyramid, as seen on F ig .l. -Q C/> V) <D O O CO -o c ro >> o c 0 cr 0 0) o> co in 3

F i g . l . T h e Business intelligence pyram id S o u rc e : based on van U fford 2 0 0 0

All the analytical tools - the elements of the above pyramid - have one aim, i.e. making different data analyses. Furthermore, one can observe from the F ig .l that the higher we are in the applications’ hierarchy, the more com plex analyses are fulfilled, giving potentially b etter results. On the other

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hand, the lower degree of com plexity means the more frequent usage of the tool (e.g. reporting systems).

At the very bottom of the pyramid lies D ata W arehouse, which constitutes a central repository o f all crucial data collected by company’s internal applications. Data w arehousing enables efficient collecting and using data from all the com pany’s units. To make data warehousing work properly, one needs to fulfil three tasks: extraction, transformation, and loading o f data.

U sing the warehouse relieves the functioning o f traditional information system s m ainly in carrying on analyses and creating sophisticated reports. A nother advantage is the speed and simplicity in getting the access to inform ation, as well as the ability o f integration and m aking comparisons o f data com ing from different sources. The most im portant outcome of applying warehouses is the ability of the knowledge acquisition originated from the retrieved information. It is the intelligence and knowledge (which can be guaranteed by having the right information) that determines the success in the competitive environm ent.

T he next level of the pyramid is Reporting Systems. T hey are often called “Q & R ” - Query and Reports. A pplications from this level aim at answering m anagers’ questions like “what happened...?” or “what was the sale value last m onth compared to the sim ilar period half a year earlier?”. There are two sorts o f reports: first - standard ones - concerning all the crucial numbers and figures relating to defined period of time; second - reports being the answers for “ad hoc” questions (often concerning details hidden am ong data).

T he reports’ results are usually used as input data o f C R M systems. A nother group of tools included in BI systems is OLAP (On Line Analytical Processing). This is a programming technology that enables managers an insight into data through fast and reliable access to the inform ation extracted from data. T he OLAP technology m akes possible the com plex multidimensional data analyses. Apart from the ability to answer the questions of “Who?”, “W h at?” and “When?” , it allow s to find the answers to questions like “W hat if?” and “Why?”.

O L A P applications enable decision making regarding a company’s strategy and predictions concerning the future based on the historical data.

The last but one level of the BI pyramid is Data M ining tools.

D ata M ining can be viewed as the process of analysing data to identify patterns or relationships in databases to determine yet undiscovered

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dependencies among the objects and processes (M orzy, 1999; Langley et al. 1992).

T here are numerous m ethods of Data Mining; including clustering, finding similarities, and classification. For exam ple, the aim of the classification is to find the dependencies between the characteristics describing an object and its association with a specific class.

H aving historical data about previous enterprises, one can create a classification model defining the chances of success o f any new activity, m eanw hile avoiding potential failures.

F u rth er evolution of BI system s leads from the client-server architecture applications to systems which take advantage of the W eb. These web applications enable making analyses from BI systems using a typical Internet brow ser rem otely from a distant place.

T he functioning of BI system s is a process which m ay be divided into a few stages. At the beginning, d ata from transaction and front office systems are bein g reorganized and m oved to the w arehouse. Next, data and inform ation packages required for making numerous analyses are extracted from a w arehouse. Furthermore, BI systems possess som e special ability - m echanism s of reaching deeply into dependencies between data and inform ation, which enables them to acquire know ledge. The presentation level o f B I systems offers tools o f sharing information and knowledge and presenting them in a user-friendly way.

BI system s enable using large data and information bases (coming from transaction systems and collected in warehouses). T ypical software used in com panies represents OLTP (O n Line Transaction Processing) systems. T heir purpose is to register business data and inform ation. Systems based on w arehouses fall into the category o f OLAP (On Line A nalytical Processing) system s. They differ from the previous ones in structure, functionality and users service. Due to the tasks they fulfil, these system s are optimized to acquire fast answers for sophisticated, cross-section questions made by users. A nalytical bases thanks to it structure and optim ization mechanisms allow fo r efficient calculations, analysing huge am ounts of data and generating answers in a short period of time. Furtherm ore, they allow for fast creating o f numerous forms o f presentations of the results of performed analyses (Lavazza 1999).

F or m any years we have seen an evolution of know ledge presented in Fig.3.

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lÆl :■'!

iPl-F ig. 3. iPl-Functional scheme o f th e real-tim e BI system S o u rce: ow n analysis

The idea of real-time BI systems arose as an answer to a strong need from contem porary companies for fast reacting and reliable systems. Organization and businesses with a considerable number of per day (like financial markets and stocks, e-business units, logistics companies, etc.) are particularly interested in the exploitation of such systems.

T he goal of BI is to enable better, more informed, and faster decisions. H ence, any discussion o f real-tim e business intelligence must be in the context o f how close to real tim e the information m ust be to support those decisions. What constitutes real-tim e information can vary widely for different business activities. F o r example, considering a chain of retail outlets: (1) An analyst using historical data as input to the sales forecast for the next period would likely only need information as o f the last month. (2) A m arketing manager evaluating the success of a cam paign, and responsible for deciding how long the cam paign should run, w ould need much more tim ely information, probably no more than one day old, (3) A store m anager m ight be making frequent decisions during the day; fo r example, deciding w hen to put a perishable item on sale. The manager w ould need information that w as certainly no more than a few hours old.

M any times a combination of up-to-date and historical information is necessary. For example, w hile it may be useful for the store manager to know the number of sales o f a particular item for today, it is more useful if he can put that information in the context of the average number of sales o f that sam e item on the same day o f the week over the last year.

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B ecause of many different sources supplying inform ation, users can obtain d ata from different system s, which, in turn, b ecause of the difficulties with proper analysis and com bining of this inform ation, could lead to the decision m aking based on incorrect information.

T hus, the most crucial task fo r the real-time BI system s is to provide truly real-tim e data. This can be achieved by providing an historical view, a proper coordination with business processes and across system s, if necessary - apply a transformation process to enforce data quality, and integration of data from multiple data sources. However, continually reporting on data from a system that is constantly being updated requires that one should consider the issue of data consistency.

O ne o f the systems that deals with the problems described above is the SQL S erver 2005. This works as follows: (1) the d ata is pushed into the A nalysis Services, (2) data draw n from different heterogeneous sources is com bined and presented in a unified manner to the user, (3) the reader obtains a snapshot view o f the data, (4) the content o f A nalysis Services is updated incrementally to reflect the new data.

O f course, real-time BI system s are on the list of potential requests from the arm y, support systems tow ards on-line systems. H ere, all the domains of com pany’s activity are coupled. Sales directly influence marketing, production, logistics, finances, etc. These sorts of system s better prepare com panies for a specific character of the market (compare: Stonebraker 2001).

BI system s constitute an opportunity for com panies to effectively use retrieved information by acquiring valuable knowledge out of it. BI solutions support efficient management and aim at providing com pact and reliable inform ation and knowledge concerning all possible dom ains of a company’s activity. These systems enable taking rational decisions at all management levels (particularly - strategic level, where the decision making and its time horizon are “expanded”). M oreover, BI systems have some particular m echanism s of self-adaptation o f extracted information and knowledge to user preferences. Every user is able to create his or her own reports and analyses.

Business intelligence systems are the more sophisticated and complex successors of applications called DSS (Decision Support Systems) and ESS (Executive Support Systems).

Implementation of BI system s makes it possible to gain a competitive advantage in a difficult and changing market. It makes available responding to trends and find new prospects and threads in the performed activity. It constitutes an answer to the growing demand for advanced information tools and m ethods supporting efficient business processes management. This

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tendency can be confirmed by the observed evolution from corporate applications (ERP, CRM, SCM , etc.) to BI systems. Currently, they have become the most promising and efficient management supporting tools.

B I system s enable creating a profile of disloyal and unfair customers, w hich in turn helps to built strategy consisting in loyalty and restriction program s, respectively.

T he value of these system s which, however, may be true for nearly all current systems - can be perceived not only in the com fort of use and in corresponding with users’ expectations for know ledge acquisition m echanism s, but also in the user-friendly features they possess.

O ne o f the weaknesses o f these systems is the lack o f adequate solutions of unstructured data and inform ation processing, im age and speech processing, multimedia processing and operating in real-tim e.

2. ENTERPRISE ANALYTIC APPLICATIONS

T he dispersion of data (w hich takes place particularly in big corporations) inform ing about the current state of the company, the level of stocks, production, etc. prevents efficient management. In case of financial institutions like banks, it is even more difficult to m anage without properly consolidated information and data.

As the use of BI has m atured, there has been increased interest in analytic applications, the logical extension of the business intelligence concept. A nalytic applications provide users with prepackaged solutions to common business problems such as custom er, sales and cam paign analysis. Over the last few years, analytic applications have gained popularity in new areas, particularly for the analysis o f e-business and clickstream information.

A nalytic applications provide key additional BI benefits to specific groups o f end users through the use of "best practice" analysis techniques. H ow ever, while they address a business need for a particular population, they perpetuate the problem o f stovepipe information sources and may make it m ore difficult than ever to get an overall view of the enterprise. As Gartner noted in a M ay 2001 report: “Packaged BI applications m ay seem appealing in the context of a particular application, but organizations should ensure that they will support BI in a broader context as a strategic initiative”.

Hence the notion of "enterprise analytic applications" which provide a com m on platform for analytic applications throughout the organization. The main business benefits of an enterprise analytic applications approach are:

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• a single version of the truth across an entire enterprise,

• predefined best practice analysis techniques in a variety of different business areas,

• a consistent BI strategy that leverages existing resources.

T he prim ary benefit of an analytic application is the ability to simplify an analysis that would otherwise require a complex series o f steps. Rather than business users relying on intuition when m aking decisions, analytic applications can help to m ake analysis an autom atic part of the business process.

R eichheld (2001) dem onstrates that even a small increase in customer retention rates (from 90% to 95% ) can result in a big increase in profits (m ore than 50% in this exam ple). Using business intelligence, a marketing m anager might want to identify the most loyal custom er segments - and what percentage of profits cam e from new custom ers, frequent customers buying m ore and existing custom ers buying less.

B ut this type of analysis is surprisingly difficult fo r a business user in most corporate environments, and therefore is only rarely carried out. The way d ata is typically stored in relational databases and data warehouses requires examining each custom er's purchases line by line to define the segm ent containing “custom ers who bought more” .

A nalytic applications em bed technology that m akes creating and pre­ calculating useful custom er segm ents such as these much easier. For exam ple, complex analyses can be done with a single database query instead of thousands of queries. T hese applications also place analysis under the direct control of the end user, without the need for intervention from the inform ation technology departm ent. Users can, for exam ple, go on to look at, create and analyse other segm ents such as "customers w ho bought less" and d eterm ine what potential profits might have been w ithout custom er turnover.

A no th er key benefit of these applications is best-practice analytics. For exam ple, a customer intelligence analytic application might contain pre­ defined routines based on custom er segmentation and segment migration analysis techniques that represent the cutting edge o f custom er relationship m anagem ent. Thus, analytic applications help end users with the most fundam ental and vital steps in the BI process, prom pting them on which questions to ask and directing them toward the proper techniques for a specific type of analysis.

Finally, because analytic applications are designed for a specific business or functional area, the results o f the analysis can be tied directly back to the operational systems. For example, the results of an analysis of soon-to-churn

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customers can be used to drive an e-mail marketing cam paign using a packaged CRM application.

Just as packaged applications have helped stream line and standardize com pany operations, analytic applications help organizations make consistent decisions based on all the relevant data. B usinesses can move ahead faster without having to relearn what others already know. This saves them tim e and money - and helps them strengthen their competitive position.

A lthough analytic applications represent a logical next step in the deploym ent of business intelligence, they also come with several pitfalls.

T he m ost insidious pitfall is that unless analytical applications are carefully implemented, organizations can end up with different “stovepipe” BI applications using different or loosely integrated technologies and data structures.

In som e cases, these stovepipes are a natural extension o f a precise need. In other cases, analytic applications are provided by the large packaged application vendors who m ake it financially tem pting to purchase the reporting and analytics tools that correspond w ith their different applications.

T he problem is that most organizations have a com bination of differently packaged applications. According to Gartner: “Through 2005, broad-scale adoption o f packaged applications will prevent more than 50 percent of large organizations from establishing com plete perspective through BI.” Thus, G artner recom mends implementing an application neural d ata warehouse.

T hanks to the potential offered by analytic applications, more and more com panies take advantage o f them. Systems called Supply Chain Intelligence (enabling supply chain and orders analysis) m ake it possible to adapt the production and logistics to the market needs.

3. REAL-TIME BUSINESS INTELLIGENCE SYSTEMS

BI system s are oriented tow ards a support o f strateg ic decision­ m aking processes. They are less valuable in m aking decisions with a short tim e-horizon - tactical and operational (so -called real-tim e dec isio n s). Delays during know ledge and info rm atio n processing c o n stitu te the weakest p oint o f these systems. F ig. 2 presents the pro cesses taking place in BI system s.

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Sta g e I II III IV

F ig. 2. Processes taking place in BI system s S o u rce: ow n analysis

The basic way to handle the inconvenience of “not keeping up with time” is to incorporate stages II and III into stage I. Technologically this is performed by “overlaying” acquisition processes with succeeding integrated software’s layers. All the software used for information and knowledge retrieval allows for a real­ time extraction of acquired data from the warehouse. After that, a system generates reports and analyses for users. These sorts o f applications are called real-time BI systems.

R eal-tim e BI systems constitute an efficient management-supporting tool at the tactical and operational level (Hune 2001). T ogether with information function, their purpose is also to carry out monitoring and to keep the safety of transactions. Meanwhile, through the ability of building various analyses of inform ation and knowledge dynam ics (depending on the pre-defined time- horizon), they may be seen as a reliable and professional tool in strategic decision-m aking (Hune 2001; Sifakis 2003; Verber 1998).

B ecause of the huge am ounts of transaction data, and multithread of retrieved information and know ledge with a significant num ber of users, these system s require hardware of the highest possible quality and performance together with excellent softw are (including proper interfaces, as shown in Fig.2). This trend of improving BI systems undoubtedly has good prospects.

4. COGNITIVE SYSTEMS

In B I systems, analytical tools generating reports go hand in hand with m echanisms of intelligent data and knowledge m ining in the form of information filters, neural networks, fuzzy sets and logic, etc. (compare: Olszak 2002). Domain-oriented expert systems and intelligent software agents constitute another indication of B I systems’ “intelligence” .

O ne of the ways of the evolution these systems will follow is relying their structure on a set of intelligent software agents (K osciow 2003). Such systems are called MAS (multi-agent systems), or emphasizing a key role of intelligent agents - I-MAS (intelligent multi-agent systems). Even the most advanced and

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versatile collection of I-MASes does not necessarily lead the system to behave intelligently as a whole.

The above problem was noticed a few years ago. As a consequence, there were m any research problems initiated during the last tw o years, which provoked the formulation of the idea of so-called “cognitive system s” .

The m ost important and fundam ental study in this area constitutes a report by R. Brachman from D A R PA -IPTO (Defence A dvanced Research Projects A gency - Information Processing Technology O ffice) from 2003 form ulating basic assumptions, attributes and requirements for these systems (Brachm an 2003). Other studies confirming a growing interest in this new idea are: Johnson 2003; Shachtman 2003; and Architecture 2004.

The inevitability of creating a new class of systems is encouraged by the need for solving the following problems (compare: Brachman 2003):

- system s and networks constitute a critical backbone of economies (local, as well as international),

- the majority of transactions processed in virtual reality provokes involving numerous systems and networks,

- previous systems were not effective enough to process an almost exponentially growing amount of data and information together with the knowledge originated from these sources,

- the growing abilities of processing do not translate into an increase in productivity,

- the growing size of systems (software, hardware, networks) stays in sharp asymmetry with their vulnerability against attack (one person may destroy a whole network infrastructure).

To deal with the above inconveniences, one should take into account the design and implementation of cognitive systems, which are supposed to possess the following characteristics:

- an ability of real-time processing of huge amounts of data, information and knowledge,

- own intelligence (inference, learning, self-explaining, advising, reactivity in atypical situations, adaptability to changing conditions and environments and to users),

- an ability to cooperate with partners (other cognitive systems, external agents and users), a skill of creating “group” intelligence,

- all available forms of communication (internal and external), perceptual and behavioural anthropomorphisms,

- an autonomous ability to detect dangers, self-defend against attacks, self-repair and self-reconstruction (compare: Brachman 2002; Architecture 2004; and Shachtman 2003).

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Source: ow n elab o ratio n b ased on (B rachm an 2003) FR O M B U S IN E S S IN T E L L IG E N C E TO CO G NI TI VE S Y S T E M S

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H ere, cognitive agents are a sort o f intelligent so ftw are agents equipped additionally with such skills and abilities as logical probabilistic reasoning over particularly large know ledge bases and learning techniques to im prove their work over time.

It can be seen that the basic characteristics of cognitive systems are roughly the same as in real-tim e B I systems. So, what new “quality” values do co g n itiv e systems provide?

F irst o f all, it is a real-tim e processing and com m unication with the environm ent. Second, it is a new paradigm of intelligence, which forces a radical acceleration of research over the nature o f hum an intelligence (p articularly in the sphere o f “highest levels” o f the human brain - including perception, functioning o f memory, em otions and intuition) and tran sp o sin g them into the sy stem s’ intelligence. T hird, it is a breakthrough in com m unication barriers w ithin intelligent agents community and solving/rem oving conflicts (concerning mainly contradictory decisions agents m ay generate). To achieve the above goals, cognitive systems will have to open for the efficient cooperation with th e ir partners (other cognitive systems, external agents and users) and b uild so-called “group in tellig en ce” . The last of the qualities provided is the creation of intelligent netw orks capable of self-defence and eliminating dam ages resulting from attacks.

O ne expects that the im plem entation of these system s will constitute a breakthrough in IT com parable to the Internet. Not o nly governments and co rporations are interested in such systems, but also numerous o rg anisations and companies from IT sector.

CONCLUSIONS

T he speed of changes in new paradigms and applications of IT, particularly in the domain of intelligent systems is not only impressive, but also surpasses and revalues laborious “organic w ork” , which aims at a dissem ination of current, yet insufficiently verified solutions. As an example one can show an unfinished attem pt to implement the com plex, integrated expert system built into all the management processes. It had to be exchanged by a proposal o f business intelligence system s with Intelligent M ulti-A gent Systems in particular.

As show n in this paper, Business Intelligence system s have been constantly evolving since their very beginning, m ainly to meet the

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expectations of more and m ore demanding users. Unfortunately, these changes d o not necessarily go in parallel, though as a consequence of this evolution and constant pursuit o f satisfying users with their information needs, the real-time BI and cognitive systems may constitute the solution. The first o f the two systems m entioned above assures having up-to-date inform ation, while the latter type of systems may represent the complex solution o f problems concerned with the acquisition, storing, analysing, understanding, and utilizing o f the information.

F or today, one can see m ore and more intense w orks over cognitive system s. It seems that they are going to be ready to prove their value in the near future.

REFERENCES

Architecture fo r Cognitive Information Processing (ACIP), h ttp ;//w w w /D arpa.m il/iplo /sol i ci tati o n s/open/04-14 F 1 P. h tm . 2 0 0 4 .

B rachm an R . A DARPA Information Processing Technology Renaissance: Developing C ognitive Systems, hllp;//w w w .rdis.org/02/B rachinan l;;D lS 2 0 0 2 .p p t. D A RPA , 2002.

Business Intelligence, ja k zmieniać dane w użyteczną wiedzę | Business Intelligence, how to change data into useful knowledge], Com puterw orld, 2001.

Business Intelligence. System, technologia czy kultura [Business Intelligence, System, technology or culture], C om puterw orld, 2003.

H unc T. Analysing Real-Time Systems: Theory and Tools, BRICS Newsletter No. I I , D ecem ber 2001, 2001.

Johnson C. DARPA A l research fo c u se s on 'cognitive computers', E E T im es, CM P Media, 2003.

K ościów S. Intelligent Software A gents in E-business - Selected Issues, Proc. of Intl. Conf. In fo rm atio n technology in business, S a in t Petersburg, Russia, 2 0 0 3 , pp. 17-26.

K ubiak B. System y klasy Business Intelligence w usprawnianiu zarządzania i biznesu [Class o f B usiness Intelligence Systems in improving management and business] in: Kubiak B., K o ro w ick i A. eds. Zastosowania inform atyki [Applications o f Informatics], wyd. PTI, G d an sk . 2002.

L angley, P ., łba W ., Thompson K. An analysis o f Bayesian Classifiers, Proc. AAAI-92, 1992, pp. 22 3 -2 2 8 .

L avazza L. DAMAS: An Integrated Business Modelling Information System to Support M anagem ent Enterprise Decisions, Proc. 1st Intl. Conf. on E n terp rise Information S y stem s, 1999, pp. 256-263.

L iautaud B. E-Business Intelligence. Turning Information into K nowledge and Knowledge into P rofit, M cGraw-Hill, New Y o rk , 2001.

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M o rzy T . Eksploracja danych: problem y i rozwiązania [Data Mining: problems and solutions], V Konferencja P L O U G , 1999.

O lszak C . Cele i założenia systemów inteligencji biznesowej [O b jectiv es and foundations o f B u sin e ss Intelligence system s], S y stem y wspomagania o rg an izacji SW O 2002 [Proc. S W 0 2 0 0 2 ], AE Katowice, 2002.

R e ic h h eld F. The Loyalty Effect: The Hidden Force Behind Growth, Profits, and Lasting Value, H arvard Business School P re ss, 2001.

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S ifakis J, et al. Building Models o f Real-Time Systems from Application Software, Proc. o f I E E E ’ 91, 2003, pp. 100-111.

S to n e b rak e r M. Content integration fo r e-business, Proc. Sigm od, 200 1 . van U ffo rd D. Business Intelligence — The Umbrella Term, 2000.

V e rb er M. Real-time Operating Systems, A Practical Perspective,

peoplc.m soe.edu/~scbern/courses/cs384/papers98/vcrber.pdf. 1998.

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