This study examines financial decision-making in family enterprises through the lens of computational governance and intergenerational information systems. Using data from 150 multi-generational family firms across five industries, it integrates survey results with quantitative financial metrics to analyze how ownership control and governance mechanisms influence capital structure, investment strategies, liquidity management, risk mitigation, and succession planning. The findings reveal a strong preference for conservative financial policies, including equity financing, cautious investment allocation, and stable liquidity management. Firms with structured governance systems—such as advisory boards and real-time financial monitoring—demonstrate higher capital efficiency, reduced financial risk, and improved succession preparedness. Cross-generational involvement, supported by information systems, enhances financial continuity and long-term resilience. The study introduces computational performance metrics to assess governance effects on capital efficiency, liquidity stability, and risk management. Overall, it highlights the critical role of data-driven governance and intergenerational alignment in sustaining financial performance and business continuity. The results offer practical insights for policymakers, family business managers, and researchers seeking to strengthen financial governance and ensure sustainable intergenerational transitions.