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"retail distribution review; rdr; uk insurance reg (f&a) . cognizant enterprise analytics practice 21st-century shopping experience 3-d dashboard 3-d visualization aaas account opening accountable care organizations ach aco acquire new customers acquiring new customers adaptive clinical trial process adaptive design adaptive social media adjustable rate adoption advance metering infrastructure advanced analystics advanced analytics advanced solutions group advisor recruitment advisor servicing advisor systems agent handling time agile agile manifesto agile methodology agile pricing model agile principles agile processes agile scrum agile software development agile sprint agile/scrum airline industry airline loyalty programs airlines amazon ec2 american health benefit exchanges analytical tools analytics analytics as a service analytics services analytics technology analytics tools android apache mahout apache software foundation apache solr app testing application optimization application portfolio application portfolio analysis application portfolio rationalization application quality application value management applications infrastructure artificial intelligence asset management asset management as a service asset management cognizant asset management industry asset management operations asset management outsourcing asset managers assets under management ateji px augmented reality aum authentication auto sector automated clearing house automated coupon redemption automated testing automated workflow automobile incentives automotive exports automotive industry automotive supply chain autosuggest avm backdoor intrusion bailout bank relationship management software banking industry basel regulations bbi behavior-based insurance behavior-based software solutions behavioral bi best of breed solutions best practices bi bi adoption bi technology big data biometrics biopharma companies biopharmaceutical companies blackberry bloomberg law bob eccles borrowers bpaas bpm bpo bpr bps bpt framework brand advocates brand management brand management model brand marketing bricks- and-mortar buffer stock business analytics business competency model business consulting business information model business intelligence business process as a service business process management business process optimization business process outsourcing business process reengineering business process services business process testing business process testing framework business transformation business transformation initative business-it alignment buying decision byod canada’s banks canada’s big six banks canadian banking industry canadian banking system canadian banks cem central goods and service tax central sales tax centralized treasury centre of excellence cgst chemical data repository chemical volume tracking application chrysler cio cio series claims claims management clinical development clinical intelligence clinical research organizations cloud cloud adoption cloud architecture cloud broker cloud computing cloud infrastructure of processes cloud services cloud technology cloud-based master data management cloud-based mdm cloud-based reporting cloud-based test environments cloud-hosted applications clustering clv cms audit code quality cognizant cognizant assetserv cognizant bpaas cloud-based bpaas cognizant business consulting cognizant diamond framework cognizant enterprise analytics practice cognizant information services cognizant life sciences practice cognizant technoligy solutions cognizant technologies cognizant technology solutions cognizant technology solutions. cognizant value creation framework cognizant value discovery assessment collaboration collaboration tools collaborative filtering collaborative planning collaborative platforms collaborative sales planning collaborative workplace collateral commercial model flexibility commercial sales planning communication service providers communication services providers communications competitive advantage connect/disconnect consolidation of banking relationships consumer apps consumer behavior consumer electronics consumer electronics industry consumer electronics market consumer electronics retailers consumer electronics retailing consumer goods consumer goods industry consumer goods manufacturers consumer goods supply chain consumer goods technology consumer technologies consumer-oriented technologies consumerization consumerization of it consumers content architecture content assets content distribution content management content moderation content monetization content providers content strategy content supply chain contextually sensitive search cooperatives core publishing systems corporate social responsibility corporate trade secrets corporate treasuries corporate treasury corss-functional teams country-specific customization credit data processing credit decision indices credit decision trends credit decisions credit information credit information providers credit risk analysis crm cro cross-border payments cross-border settlements cross-border trade cross-border transactions cross-channel integration cross-sellup-sell crude oil production csp csps csr cst customer advocates customer centricity customer composite vector customer empowerment customer engagement customer expectations customer experience customer experience management customer insight customer lifetime value customer loyalty customer on-boarding customer portfolio information customer predictions customer preferences customer recognition customer registration for online banking customer relationship management customer scoring customer service customer support customer vectors customer-centric business model customers cvda daikibo dam cognizant data analysis data analytics data challenges data de-identification data governance data mining data security data usability data warehousing data-driven insight database management delta query demand demand drivers deregulation designing incentives diagnostic related groups digital asset management digital content digital coupons digital media digital security digital transformation digitization digitization of content digitization of media disaster recovery disruptive business models distribution networks distributor distributor apps djimi dow jones islamic market index downstream operations drg drug safety drug safety operations dwbi dynamic checkout e-commerce e-commerce fraud ecommerce education educational publishers educational publishing educational reform effectiveness efficiency eft eiu electronic coupons electronic funds transfer electronic payments emerging markets enterprise 2.0 enterprise 20 enterprise 3.0 enterprise analytics enterprise mobile apps enterprise mobility enterprise mobility strategy enterprise resource planning eon equity derivatives market erp erp consolidation estee lauder eu single financial market initiative european chemicals agency european securities market european union environment health and safety regul event data evogi group exotic currency payments explicit knowledge export markets export sales planning export sales planning systems exposure fallout management fanie mae fannie mae fatwa federal housing finance agency fhfa field sales field services companies field services processes finance and accounting finance and accounting (f&a) financial crime financial crisis financial data breach finger vein authentication fixed-bid contract fixed-bid pricing fixed-price contract flexible service delivery flynn’s taxonomy ford forecast error forex fraud detection fraud management fraud management strategy fraud management tools freddie mac front-end flexibility fulfillment management function point analysis function point estimation future of retail future of shopping future of work g3 guidelines game dynamics game mechanics gamification gamify gharar giovannini barriers global asset management global aum global banking customer global banking infrastructure global banking requirements global collaboration global financial meltdown global pharma companies global reporting initiative global sustainability index global trade global trade management globalization globalization of processes gm go green gold lenders gold loan market gold stock goods and service tax google db connector google scholar google search appliance google web crawler googlebot governance governance model government sponsored enterprise government sponsored enterprises greater customer satisfaction grouper logic gsa gse gst hafa hamp harp harp 2.0 health analytics healthcare healthcare conglomerates healthcare delivery healthcare economics healthcare industry trends healthcare reform healthcare reform health care reform healthcare tr high tech high-end brands hispanic community hispanic-dominant hitech act holistic approach home affordable refinance project homeowners hope hospital performance management housing crisis housing finance market housing market human resources (hr) human translation hybrid software development approach i2 iavm ic icd icd-10 icd-10 migration icd-10 readiness icd-10 reimbursements icd-10 remediation icd-10 testing icd-10 testing strategy icd-9 icd-9 reimbursements icd10 ime companies improving pricing processes in-house erp financial modules in-store promotions in-store shopping incentive compensation incentive compensation plans incentive management incentive management software incentive management system incentive models indian equity derivatives market industrial globalization industry trends information and publishing industry information delivery information infrastructure information insight information lifecycle information lifecycle management information management information overload information security information value chain innovation innovative compensation design input tax credit insurance insurance carrier insurance company insurance industry insurance premiums integrated claims management system integrated transaction banking integrated windows authentication intelligent agent visualization model intelligent agents intelligent recommendation system intelligent search intelligent store intellistore interaction with customers interactivity interest rates internal banking international classification of diseases international payments international uniform chemical information databas internet banking internet banking model internet banking strategy interstate sale inventory management investing ethically investment management outsourcing investment operations ipad iphone islamic fund islamic fund portfolio it cost cutting it governance it performance optimization itil methodology iuclid iwa jda job mastery kanban kanban board killer apps km know your customer checking knowledge management knowledge process kyc landed cost lead time leadership learning from existing customers legal information publisher legal research legal search lfm life sciences life sciences commercial operations life sciences enterprises lifting fees lines of business liquidity enhancement liquidity enhancement schemes loan origination loan-to-value ratio lob localization and customization location-based applications logistics logistics management loyal customers loyalty initiatives loyalty programs ltv luxury goods luxury items luxury manufacturers luxury products luxury retailers m&a m-commerce m-wallet machine translation make maker faire mal-content malcolmfrank man in the middle attacks managed services security management by objectives managing global trade manufacturers manufacturing map reduce mapreduce mark greenlaw market research marketing master data management maysir mbo mdm mdm applications mdm in the cloud mdm solutions mdm systems mdm testing media and entertainment companies media and entertainment industry media and entertainment practice medicare modernization act medicare part d medicare prescription drug improvement and moderni merchandising meter event data microsoft sql database mifid migrating to cloud millennial generation millennial processes millennials mitm attacks mma mobile mobile applications mobile apps mobile channels mobile commerce mobile computing mobile devices mobile health apps mobile internet mobile payment mobile payment adoption mobile payments mobile shopping mobile strategy mobile technologies mobile technology deployment mobile testing mobile wallet mobiliity mobility mobility center of excellence mobility coe money laundering mortgage banks mortgage field services mortgage lifecycle mortgage market mortgage originations mortgage process as a service mortgage processing multi-bank cash reporting multi-channel integration multi-core processors multi-core systems multi-country implementation multi-country rollout multi-country solution multi-dimensional customer index multichannel selling multicurrency multinational pricing mval naive bayes classifier nbfc nep network analytics network equipment providers network equipment providers; communication service new organization process for enterprise 2.0 new york hall of science news publishing industry trends newspaper newspaper industry newspapers and the internet next-generation enterprise nissan non-banking finance companies nostro account nrf nutch nysci o&g ofgem oil & gas industry oil and gas oil and gas industry omaas on demand crm on-board diagnostics on-demand consumption on-demand provisioning online banking online content online customers online distribution online lending online mortgage online news online retail open accounts open source open source testing open source testing tools open source tools operational analytics operational efficiency operational models oracle oracle on vmware oracle rac oracle rac on vmware order fulfillment business processes order management as a service organizational change management originaton data outage communications outage management outcome-based education outmaneuver the competition outsource end-to-end services outsourcing outsourcing f&a pan-european domestic settlement marketplace parallel computer architectures parallel computing parallel programming patient classification systems patient protection and affordable care act patient reimbursement patient safety patient-centered medical home payment factories payment factory payment processing payment service directive payroll pbm personally identifiable information petabyte age pharma supply chain pharmaceutical clinical development pharmaceutical companies pharmaceutical industry pharmaceutical target identification; pharmaceutic pharmaceuticals companies pharmaceuticals industry pharmaceuticals supply chain pharmacovigilance pharmacy benefits management pharmacy industry pharmerging markets phrma pii policy holder self service post-trade arena post-trade reporting post-trade reporting platform post-trade reporting system practice development predictive analytics pricing privacy protection private cloud services proceeds of crime act process improvement process standardization product and service innovation product sourcing program governance program management progressive insurance project management prospecting tools protecting sensitive information public cloud publishing publishing systems purchase history qa qa best practices qa process quality assurance r&d supplies management r&d supply chain reach real-time analytics real-time analytics system recommendation systems reduce back-end costs refinance charges registration evaluation authorization and restrict reorder point replenishment reporting as a service research research services provider restaurant industry restaurant industry; global sourcing; business pro retail retail analytics retail banking retail banks retail industry retail promotions retail sourcing retail stores retail trends retailer apps retailers retention strategies retrospective retrospectives return on investment return on it investment reusability reverse logistics reverse logistics practices reverse logistics processes reverse supply chain riba ris risk risk profiling robert eccles roi role based apps router model saas saas application cognizant technology solutions saas crm safety stock safety stock management sales sales planning sales process salesforcecom sap scaler scm screening methods scrm scrum scrum master scrum masters scrum model scrum of scrum scrum team scrum-but scrumban scrums search algorithms search requirements secure forex deal in exotic currency security security attacks security breach security breaches security challenges security failure security flaw security glitches security incidents security issues security program security threats segmentation semantic search sentiment analysis sepa serious organized crime agency service level service management sgst shared service centers sharepoint sharia screening sharia-compliant shopper survey shoppers shoppers survey shopping shopping behavior siebel on demand siebel testing signal card single european payment area single user interface smart grid smart grid return on investment smart grid roi smart meter smart meter data smart meter event data smart meter event processing smart meter programs smart meter return on investment smart meter roi smart meters smart phones smart sourcing smartdevices smartphone testing smartphones smep snapshot soca social crm social currency social loyalty social media social media analytics social media intelligence social media monitoring social media strategy social media technologies social networking social networks social search social shopping social tools society for worldwide interbank financial telecomm software as a service software bugs software development software development methodologies software project governance software testing software testing automation solutions as a service sourcing spanish websites sprint length sprint team sprints ssc standard business processes state goods and servie tax stem stem education stock-out stockout store operations stp straight through processing strategic it stream computing student-centered learning sukuk supply chain supply chain analytics supply chain management supply chain performance supply chain software supply chain solutions supply chains survey sustainability swift swift connectivity t2s t2s platform tacit knowledge target2 target2-securities taxonomy technology technology challenges teen driver safety programs telecom telecommunications telehealth telematics telematics data telematics insurance products telematics pilot projects telematics-based insurance products terrorism act 200 terrorist financing test environments test lab testing best practices testing centralization testing standardization testing tools text analysis tools text analytics the future of healthcare the new workplace the us patriot act third money laundering directive third-party integration three-dimensional visualization timebox toyota toyota production system tps trade finance trade finance software trade management trade promos trade promotion management trade promotions transaction processing transformational it travel travel and hospitality treasury management u.s. banks u.s. healthcare market u.s. lending industry u.s. mortgage industry u.s. pharma industry u.s. pharmaceuticals industry u.s. retail banking uad uae uae insurance carriers uae insurance market uae insurers ubi ucdp ucits iv ugc ugc moderation ugc moderation solution uk uldd umdp unconventional shale oil underwater borrowers unifor collateral data portal uniform appraisal dataset uniform loan delivery dataset uniform mortgage data program upstream assets upstream operations us healthcare usage-based insurance user story user-generated content utility suppliers value added tax value chain value chain flexibility value stream mapping vat vendor managed inventory version 5010 transaction standard virtual bank virtual brand management virtual collaboration virtual financial market virtual goods virtual teams virtual workforce virtualization virtualization of process virtualization of technology virtualize virtualized f&a virtually collaborative workplace visual analytics vmi vmware vsphere voc voice of the customer voice of the customer program warehouse location warranty management warranty management processes warranty management system warranty optimization warranty value chain waterfall model wealth management wealth management advisors wealth management firms wealth management industry web 20 web fraud management web self-service weighted outlier variable westlaw wip wire fees wisard work in progress worker empowerment workforce turnover efficiency ratio working capital worldwide trade xml xml architect …less