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Business users perform data analysis to inform decisions for improving business processes and outcomes despite having limited formal technical training. While earlier work has focused on data analysts' and data scientists' practices and challenges, little is known about business users' decision-making practices and how they incorporate data and visual analytics into their workflows. To address this gap, we first conduct an interview study with 22 business users to understand the general practices and challenges in their data-driven decision-making processes. We contribute an end-to-end model of business users' data-driven decision-making processes elaborating the tasks, tools, and challenges at each stage. We find that business users analyze data without relying on data analysts due to various practical constraints and considerations. However, their existing tools are inadequate, particularly in helping understand the relationship between data variables and business goals and facilitating the exploration of what-if scenarios. These findings suggest a need for advanced predictive and prescriptive analytics (PPA) tools to support what-if analysis. Motivated by this need, we perform a follow-up, task-based study to understand PPA's role and potential in business users' decision-making processes. We find that PPA helps improve efficiency and confidence in decision-making. However, business users also believe that PPA-powered what-if analysis tools are currently in their nascent stages and report improvements before fully integrating them into their decision-making processes. Building upon these findings, we discuss the opportunities and …