I look at this like I look at the use of assembly language versus C/Java/COBOL. You can write everything in assembly language, but it will be harder to maintain. PL/SQL (I assumed that you meant ETL to PL/SQL. SQL*Loader is equivalent to the “L” in ETL) can be used to do the “ET” part of ETL. But maintenance of PL/SQL is not quite as easy as maintain as ETL tools like Informatica or DataStage.

The one place where the ETL tools have a huge advantage is in metadata. Since I believe metadata is extremely important, I would lean toward using an ETL tool versus PL/SQL.

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