Background: Business intelligence (BI) tools are generally associated with organisations that have resources to purchase and implement these tools. Evidences abound regarding the correlation between BI tools and improved business decision-making. This study’s unit of analysis is affordability as a feature of IBM Cognos making it suitable for small-and medium-sized enterprises (SMEs).Objective: The research aim was to identify the fundamental features of IBM Cognos which would address decision-making needs of SMEs. The objective was to determine the significance of BI tool features by means of identifying affordable features suitable for SMEs’ decision-making.Method: Quantitative research design and a deductive approach were best suited for assessing the fundamental features of IBM Cognos for SMEs’ decision-making needs. The signification framework variables, such as presumed, prized and perceived value of BI tool features, werequantified and measured using statistical analysis tools. A non-probability convenience sampling technique was used with a sample size of 200, that is, 80 BI consultants, 60 SME BI developers and 60 SME managers.Results: Affordable key features of BI tools in the context of SMEs’ business decision-making include consistency and comfort, intuitive interface, avoiding impulsivity, cost effectiveness, availability of information, best programmed visualisations, reporting quickly and easily and financial decision-making.Conclusion: The signification framework’s presumed, prized and perceived value indicators link affordable BI tool features to the consistency of the decision-making process and present an alternative view of affordability. An intuitive interface relates to convenience and ease of authoring content, designing, building and securing reports to the SME, which helps inimproving consistent decision-making.