Interesting article with its take on the SMB sector:

http://www.ecommercetimes.com/story/When-Will-BI-Head-Downstream-63586.html

RE Microsoft:

Currently, of the big four vendors, Microsoft is the closest to providing a solution to overcome this obstacle. Microsoft Excel has become the most pervasive BI tool to address the needs of small businesses.

Microsoft has wisely leveraged Excel as the front-end to deliver its extensive BI offerings, by tying it to the more sophisticated stack of BI technologies it has acquired and developed.