The accelerating convergence of advanced data analytics, artificial intelligence, regulatory governance, and digital infrastructures is fundamentally reshaping both financial and healthcare systems worldwide. Across emerging and developed economies alike, institutions are under growing pressure to enhance operational efficiency, improve stakeholder engagement, ensure regulatory compliance, and promote inclusive, ethical, and sustainable service delivery. This study develops a comprehensive, multidisciplinary analytical framework that integrates customer relationship management systems in healthcare, predictive and behavioral analytics in financial risk management, fair lending and regulatory compliance mechanisms, digital banking infrastructures, and intelligent computational architectures such as hybrid AI models, AutoML, neuromorphic computing, and distributed data systems. Drawing strictly on recent peer-reviewed literature, this research synthesizes theoretical, conceptual, and applied perspectives to demonstrate how data-driven governance can serve as a unifying foundation for improved decision-making across sectors. Using a qualitative, integrative research methodology, the article analyzes patterns, complementarities, and tensions across domains, highlighting how intelligent systems enhance patient engagement, credit risk assessment, housing finance, environmental policy enforcement, and operational resilience. The findings reveal that while technological innovation significantly improves transparency, accuracy, and scalability, it simultaneously introduces ethical, regulatory, and socio-economic challenges that demand robust governance structures. The discussion advances nuanced interpretations of institutional readiness, data ethics, and long-term sustainability, offering a forward-looking research agenda. This study contributes to theory by bridging healthcare informatics, financial analytics, and intelligent computing, and to practice by outlining actionable pathways for institutions seeking holistic digital transformation.

Data-driven governance, predictive analytics, digital banking, healthcare CRM

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