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(f&a) . cognizant enterprise analytics practice 2001/20/ec 21 cfr part 11 21st century business 21st-century shopping experience 3-d dashboard 3-d visualization 3pl 5s aaas abbott abbott labs abc analysis aca account executives account management accountable care organizations ach aco acquire new customers acquire-retain-cross-sell framework acquiring new customers actionable information ad serving adaptive clinical trial process adaptive design adaptive social media adaptive supply chains adjustable rate adobe cq adobe sitecatalyst adr advance metering infrastructure advanced analyics advanced analystics advanced analytics advanced meter advanced solutions advanced solutions group advisor recruitment advisor servicing advisor systems aeronautical software affordable care act after-sales service aftermarket sales agent handling time agile agile architecture agile manifesto agile methodology agile planning; multi-project; multi-team; scrum a agile pricing model agile principles agile processes agile project; scrum team; product backlog priorit agile scrum agile software development agile sprint agile/scrum agvs aifmd airborne systems airline industry airline loyalty programs airlines ajax akhil tandulwadikar all state alternative investment fund managers directive american family american family insurance american health benefit exchanges analytical tools analytics analytics and cloud analytics as a service analytics services analytics technology analytics tools andon android anywhere - anytime apache mahout apache software foundation apache solr apple ios apple ipad application bootstrapping application code base application environment application optimization application portfolio application portfolio analysis application portfolio rationalization application quality application releases application test environments application value management applications development projects applications infrastructure arc artificial intelligence as a service asset management asset management as a service asset management cognizant asset management industry asset managers assets under management astrazeneca ateji px atlas augmented reality aum auto insurance automated clearing house automated corporate actions processing automated coupon redemption automated demand response automated guided vehicles automated testing automated workflow automobile incentives automotive electronics automotive exports automotive industry automotive product quality automotive supply chain autosuggest average order value avionics equipment avionics software aviva avm backward crosswalk bai bailout bain capital banking & financial services banking and financial services banking business model banking consumers banking industry basel iii basel regulations basel-iii bayer bazaarvoice bbi behavior-based insurance behavior-based software solutions behavioral bi best buy best of breed solutions bfs bi bi adoption bi technology bicc big data big data analytics biopharma companies biopharmaceutical companies biotechnology blackberry blackstone bloomberg bloomberg law boilers book transfer borrower registration borrowers boston scientific boxed approach bpaas bpel components bpm bpmn bpo bps bpt framework brand advocates brand management brand management model brand marketing brands breakdown cover bricks- and-mortar bring your own device british gas brm brm organization broadcast industry buffer stock building and contents business activity monitoring business analytics business competency model business information model business intelligence business intelligence competency center business intelligence competency centers business intelligence layer business process as a service business process management business process model and notation business process optimization business process outsourcing business process services business process testing business process testing framework business relationship management business relationship management operating model business relationship management organization business rules engines business transformation business transformation initative business transformation programs business-it alignment buying decision byod cagr can-spam act can-spam act of 2003 canada’s banks canada’s big six banks canadian banking industry canadian banking system canadian banks capital markets firms care management case studies cash to cash services cbc cbs ccm ccm applications ccm platforms ccm technology central goods and service tax central heating equipment central sales tax centre of excellence cer certifiable avionic software cfpb cgst cgt research; consumer goods companies survey; con change management channel access cisco ios cisco smart call home claims claims fraud claims management click forensics click-through rate client hierarchy client onboarding client-side conditionals clinical development clinical research organizations clinical trial conduct costs clinical trials directive closed-loop marketing closures cloud cloud 360 cloud architecture cloud broker cloud computing cloud erp cloud infrastructure of processes cloud management cloud security cloud security concerns cloud security controls cloud security requirements cloud services cloud technology cloud-based master data management cloud-based mdm cloud-based reporting cloud-based test environments cloud-hosted applications cloud360 management platform clustering clv cme industries cme industry cms audit cnn code quality cognizant cognizant assetserv cognizant bpaascloud-based bpaas cognizant business consulting cognizant center for the future of work cognizant cloud cognizant cloud360 cognizant diamond framework cognizant enterprise analytics practice cognizant informatica tdm solution cognizant information services cognizant life sciences practice cognizant technoligy solutions cognizant technologies cognizant technology solutions cognizant technology solutions. cognizant travel & hospitality practice cognizant value creation framework cognizant value discovery assessment collaboration collaboration technologies collaboration tools collaborative filtering collaborative forecasting and planning collaborative planning collaborative platforms collaborative sales planning collaborative technologies collaborative workplace collateral comcast xfinity home commercial model flexibility commercial sales planning commonality and variability analysis communication service providers communication services providers communications communications media and entertainment industry comparative effectiveness research competitive advantage compliance computer systems validation connect/disconnect connected car connected cars connected devices connected life connected lifestyle connected vehicle services consumer apps consumer electronics consumer electronics industry consumer electronics market consumer electronics retailers consumer electronics retailing consumer finance consumer financial protection bureau consumer goods consumer goods industry consumer goods manufacturers consumer goods supply chain consumer goods technology consumer study consumer technologies consumer-oriented technologies consumerization consumerization of it consumers consumption monitoring contact directories content architecture content assets content consumption content distribution content management content moderation content monetization content providers content strategy content supply chain contextually sensitive search continuous flow manufacturing contract research oganizations contracted euro contracts maintenance cooperatives core banking core banking solution core banking system core business core processes core publishing systems corporate actions corporate actions processing corporate learning corporate trade secrets corporate treasuries corss-functional teams cortera cost of remittance cost of warranty cost-plus pricing cots counterfeit drugs counterparties country-specific customization covered funds cpm credit data processing credit decision indices credit decision trends credit decisions credit information credit information providers credit risk analysis crm crm systems cro cros cross industry cross-border payments cross-border settlements cross-border trade cross-border transactions cross-channel integration cross-channel planning cross-docking crowdsourcing crude oil production csp csps csr cst csv ctd ctr customer advocates customer centricity customer communications management customer composite vector customer empowerment customer engagement customer expectations customer experience customer lifetime value customer loyalty customer loyalty solutions customer portfolio information customer predictions customer preferences customer recognition customer relationship management customer scoring customer segmentation customer solutions practice customer support customer vectors customer-centric customer-centric business customer-centric business model customers customized e-mail cva cvda d&b daikibo dam cognizant data analytics data challenges data governance data mining data supply chain data usability data validations data visualization data warehouses data warehousing data-driven insight data.com delta query demand demand analysis demand drivers demand side management demand-driven supply chain deregulation designing incentives desktop underwriter device connectivity diagnostic related groups digital advertising digital agenda digital analytic techniques digital asset management digital breadcrumbs digital channels digital content digital content consumption digital content distribution digital content distribution platforms digital coupons digital detailing digital marketing digital media digital platform digital transformation digital value chain digitization digitization of content digitization of media direct banks disintegration disruptive business models distributed order management distribution centers distribution networks distributor distributor apps distributors djimi dmz environment do-178c do-178c guidelines dodd-frank act dodd-frank wall street reform and consumer protect dojo toolkit domino http request proxy donut hole doubleclick dow jones islamic market index downstream operations drg drug manufacturers drug safety drug safety operations dsc dsm dti du duedil dwbi dwbi & analytics dwolla dynamic checkout dynamic pricing e-commerce e-commerce strategy e-mail marketing e-mail marketing campaigns e-pedigree law e-reader e-signatures e-tailing early-warning analysis early-warning patterns early-warning signals early-warning systems ebook value chain ec eca ecall ecb ecm ecometer ecoupons edlp education educational publishers educational publishing educational reform efcs effectiveness efficiency eggplant electric power research institute electric utility business model electric vehicle electronic coupons electronic signatures eli lilly ema emerging markets encryption energy & utilites energy conservation energy efficiency energy management energy prices enterprise 2.0 enterprise 3.0 enterprise analytics enterprise architecture enterprise carbon enterprise consolidation enterprise content management enterprise data management enterprise information management & analytics enterprise master data management enterprise mdm enterprise mobile apps enterprise mobility enterprise mobility strategy enterprise resource planning enterprise transformation enterprise transformation strategy entertainment industry entitlement management environmentally friendly eon eortc epcs epoc epod equity derivatives market erp erp; enterprise software; amc; application managem esamples estee lauder eu eu 2020 eu single financial market initiative eudralex annex 11 euro crisis european central bank european commission european organization for research and treatment o european securities market eurozone event data event-driven process chains evogi group exabytes exception handling expansion of coverage explicit knowledge export markets export sales planning export sales planning systems exposure extended eudravigilance medicinal product dictiona extended library extensibility extensible business reporting language facebook failed it projects fallout management fanie mae fannie mae fao fao outsourcing farmers insurance farmers insurance group fatca fatwa fda federal housing finance agency fhfa fico field force; mobility; mobile devices; rugged devi field sales field services companies field services processes field workforce finacle finance and accounting finance and accounting (f&a) finance and accounting outsourcing finance departments finance operations finance organizations finance transformation roadmap financial and accounting outsourcing financial crisis financial innovations financial market landscape financial planning and analysis financial services fit-conserving change fit-destroying change fixed-bid contract fixed-bid pricing fixed-price contract flexcube flexcube connect flexible service delivery flexible service delivery model flow manufacturers flow manufacturing flynn’s taxonomy forecast error foreign accounts tax compliance act forex form pf forward crosswalk four walls fp&a fp&a outsourcing fraud detection freddie mac front-end flexibility ftse fulfillment fulfillment centers function point analysis function point estimation future of banking future of healthcare future of learning future of work game dynamics game mechanics gamification gamify gap analysis gateway services ge geico generali geo-location geospatial analytics gharar giovannini barriers glaxosmithkline global asset management global aum global capital markets global collaboration global payments global pharma companies global remittance global remittance business global remittance market global trade global trade management globalization globalization of processes go green gold lenders gold loan market gold stock goods and service tax google db connector google scholar google search appliance google wallet google web crawler googlebot governance governance group governance model government sponsored enterprise government sponsored enterprises gprs gray marketing greater customer satisfaction green button initiative green sigma coalition grouper logic gs1 gsa gse gsm gsm association gst hafa hamp han harp harp 2.0 hcp hcps health analytics health benefits exchange health care providers health insurance exchange healthcare healthcare analytics healthcare conglomerates healthcare costs healthcare data healthcare delivery healthcare ecosystem healthcare industry healthcare industry trends healthcare makeover healthcare model healthcare professionals healthcare reform healthcare reform; md; medical device; hcp; health healthcare system heating ventilation and air conditioning hedge fund hedging high tech high-end brands high-technology hardware manufacturers hilo hipaa hispanic community hispanic-dominant hix hix marketplace holiday shopping season holistic approach holistic mobile strategy home affordable refinance project home area network home serve homecare model homeowners hope housing crisis housing finance market housing market hp quality center hub-and-spoke distribution human resources (hr) human translation hvac hybrid software development approach i2 iaas iauthorize iavm ic icc icd code icd crosswalks icd-10 icd-10 code icd-10 compliance icd-10 migration icd-10 readiness icd-10 reimbursements icd-10 remediation icd-10 testing icd-10 testing strategy icd-10-based claims icd-9 icd-9 code icd-9 reimbursements icd-9-based claims icici icici bank ict idea infrastructure idea management system identification of medicinal products. eudract ietf ihs ime companies imf imp ims in-house erp financial modules in-store promotions in-store shopping inbound materials processing incentive compensation incentive compensation plans incentive management incentive management software incentive management system incentive models india indian equity derivatives market industrial globalization informatic ilm information and communication technology information and publishing industry information delivery information handling services information infrastructure information insight information lifecycle information lifecycle management information management information overload information self-sufficiency information services information value chain infrastructure rationalization innovation innovation in mobility innovative compensation design innovative mobile solutions innovator persona input tax credit inspection insurance insurance carrier insurance companies insurance companies; mobility; social media; enter insurance company insurance contracts insurance fraud insurance industry insurance industry; crm; limra; multichannel distr insurance mobility initiatives insurance premiums insurance value chain integrated claims management system integrated information management integrated market research 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 interface layer interim breakdowns international classification of diseases international payments internationalization internet banking internet banking model internet banking strategy internet engineering task force interstate sale inventory management investing ethically investment banks ipad ipad at work ipads iphone iphone for work ipo islamic fund islamic fund portfolio iso iso 15022 iso 20022 iso 9000:1994 iso 9000:2000 it budget it enablement it governance it infrastructure it infrastructure management it operating model it organizational performance it organizational performance and process improvem it performance and process improvement program it process excellence it process improvement it product implementation it systems it-bps itil methodology iwa jamo javascript javascripts javaserver faces jda jigsaw job mastery json parser just-in-time inventory kaizen kanban kanban board kasina key opinion leaders key visual indicators keyword analysis killer apps kiva kkr know your customer knowledge management knowledge process kol kontsurnous kyc lagging indicators landed cost large-scale migration program large-scale soa technology migration large-scale technology migration last impression lead time leading indicators leakage lean manufacturing learning content strategies learning from existing customers learning technologies legacy system legacy technology migration legal information publisher legal research legal search life sciences life sciences & pharma life sciences commercial operations life sciences companies life sciences enterprises life sciences industry lifting fees likert scale link analytics linkedin liquidity coverage ratio liquidity enhancement liquidity enhancement schemes loan origination loan origination system loan processor loan servicing loan-to-value ratio localization localization and customization location-based applications logistics management long-term refinancing operation loose coupling loss leader lotus notes low-cost remittance loyal customers loyalty initiatives loyalty programs lp ltro ltv luxury goods luxury items luxury manufacturers luxury products luxury retailers m&a m-commerce m-commerce strategy m-health m-learning m-learning initiatives m-wallet m-wallets ma-cug machina research machine translation make maker faire mal-content malcolm frank malcolmfrank managed services managed services security managed testing services management by objectives managing global trade manufacturers manufacturing manufacturing companies map reduce mapreduce marcello burgio market basket analysis; mba; retailers; retail sto market making market research marketing channels marketing tools master data master data management master data management center of excellence maysir mbo mdm mdm applications mdm center of excellence mdm coe mdm in the cloud mdm initiatives mdm programs mdm project failures mdm projects mdm readiness mdm solutions mdm systems mdm testing mechatronics media & entertainment media and entertainment media and entertainment companies media and entertainment industry media and entertainment practice medicaid medical applications medical devices medical management medical management as a service medicare modernization act medicare part d medicare prescription drug improvement and moderni medtronic merchandise sourcing merchandising merck merger and acquisition mergers and acquisitions messaging metadata meter event data microsoft sql database mifid mifid-ii migration planning and execution migration units millenial millennial generation millennial processes millennials mitt romney mma mmaas mobile mobile application mobile applications mobile apps mobile banking mobile banking services mobile channels mobile commerce mobile commerce channel strategies mobile commerce trends mobile communications mobile computing mobile controls mobile devices mobile health apps mobile initiatives mobile internet mobile learning mobile mim mobile payment mobile payment adoption mobile payments mobile shopping mobile shopping behavior mobile solutions mobile strategies mobile strategy mobile technologies mobile technology mobile technology deployment mobile transactions mobile wallet mobiliity mobility mobility 3.0 mobility center of excellence mobility coe mobility initiatives mobility investments mobility maturity framework mobility platforms mobility roi mobility strategies money transfer operators moneygram mortgage mortgage banks mortgage field services mortgage lifecycle mortgage los mortgage market mortgage originations mortgage originators mortgage process as a service mortgage processing moxie insight multi-core processors multi-core systems multi-country implementation multi-country rollout multi-country solution multi-dimensional customer index multichannel marketing multichannel selling multicurrency multidomain master data management multidomain mdm multimedia channels multivariate testing naive bayes classifier national insurance crime bureau navigators nbfc near field communication nep net stable funding ratio netapp auto support network analytics network equipment providers network equipment providers; communication service new organization process for enterprise 2.0 new technology new york hall of science new york life newspaper value chain next-generation enterprise next-generation worker next-generation workforce nfc nfc applications nfc-equipped devices nicb niche products nist nomadic computing; mobile technology; nomadic comp non-banking finance companies noncompliance noncore brands northwestern mutual novartis nrf nutch nysci o&g obfuscation offline data ofgem oil & gas industry oil and gas oil and gas industry omaas oms on-board diagnostics on-demand consumption on-demand provisioning on-demand testing on-demand testing service onboard diagnostics onboarding process online banking online connections online content online customers online distribution online lending online mortgage online retail online shopping open accounts open source open source testing open source testing tools open source tools operational analytics operational efficiency operations optimization oracle oracle financial services oracle fusion oracle on vmware oracle product hub oracle rac oracle rac on vmware order accuracy order fulfillment business processes order management as a service originaton data otc market reforms others otsuka pharma out of the box outage communications outage management outbound outcome-based education outmaneuver the competition outsource end-to-end services outsourcing outsourcing f&a overhauling rdm p&c p&c claims fraud p&c insurers paas packaging pan-european domestic settlement marketplace panel testing parallel computer architectures parallel computing parallel programming patent cliff patient classification systems patient protection and affordable care act patient reimbursement patient safety patient-centered medical home pay as you drive pay how you drive pay with square pay-per-use payd payd programs payment business payment card industry data security standard; pci payment factory payment service directive payments payments industry payments processing payments services directives paypal payroll pbm pe peak shaving pegasystems pemco personal and casualty insurance petabyte age pfizer pharma pharma supply chain pharmaceutical clinical development pharmaceutical companies pharmaceutical industry pharmaceutical target identification; pharmaceutic pharmaceuticals pharmaceuticals companies pharmaceuticals industry pharmaceuticals industry; accountable care organiz pharmaceuticals supply chain pharmacovigilance pharmacovigilance; pv organizations; pharmacovigil pharmacy benefits management pharmacy industry pharmerging markets phrma phyd physician contact picker picking pie planning pmdm pmi certification poka-yoke policy holder self service portfolio management portfolio performance post-trade post-trade arena post-trade function post-trade infrastructure post-trade lifecycle post-trade reporting post-trade reporting platform post-trade reporting system ppaca ppm practice development predictive analytics prescription rebates price match price matching price transparency pricing pricing strategies private banking; india; pb; pb services; reits; th private cloud services private equity private placement memorandum process standardization process-centric crm product and pricing management product and service innovation product data product identification equipment product master data management program governance program management progressive progressive insurance project lifecycle project management project manager project manager scorecard property and casualty insurance industry proprietary trading prospecting tools prpc psd psd framework public cloud publishing systems purchase history put way qa qa process qhps qtp qualified health plans quality assurance quantitative easing r&d site r&d supplies management r&d supply chain radian6 radio technical commission for aeronautics rajeshwer chigullapalli rapleaf rdm rdm as a service rdm capabilities rdm operation rdm utilities rdr real-time analytics real-time analytics system receiving recommendation systems reconciliation reconciliation platforms reconciliation solutions redlaser reduce back-end costs reengineering rdm reference data management refinance charges regression regulatory submission and approval process remote infrastructure services; rim; rim services; reorder point replenishment reporting as a service requirements definition research services provider resources retail retail & consumer goods retail analytics retail banking retail banking operations retail banks retail industry retail mobility retailer apps retailer strategies retailers retailing retention strategies retrospective retrospectives return on equity return on it investment reusability reuters revenue thresholds reverse logistics reverse logistics practices reverse logistics processes reverse supply chain rft riba risk risk management risk management plan rmp robotium roche roe roi role based apps rolls-royce rtca do-178b rtca do-178c rules engines ryan marquiss saas safety stock safety stock management sales analytics sales calls sales fulfillment sales operations sales operations excellence sales operations framework sales planning salesforce.com salesgym sanofi-aventis sap scalability scale player scaler schedule scm scorecard scoring model screening methods scrm scrum scrum master scrum masters scrum model scrum of scrum scrum team scrum-but scrumban scrums search algorithms search requirements securities firms securities services security attacks security breach security breaches security challenges security failure security flaw security for cloud environments security glitches security incidents security issues security program security services security threats see test segmentation selenium self-service apps self-service information semantic search sensor sentiment analysis sepa serialization serialization line system server-side conditionals service engineers service level service level agreements service management service request bus comp service request business object service response object service-oriented architecture services business sewell wright sfda sfdc sgst shared service centers sharepoint sharia screening sharia-compliant shipping shopper study shopper survey shoppers shopping behavior si siebel siebel business layer siebel gui layer siebel testing siebel tools siggelkow signal card silktest silverlake sibs silverlight simulators single european payment area single european payments area single user interface sku count skus sla slas slowdown smac smac stack smart appliances smart devices smart grid smart grid return on investment smart grid roi smart home management 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 smartdevices smartphone-based shopping smartphones smep sna snapshot soa soa technology migration soap/http. wsdl socia media social social collaboration social computing social crm social currency social design social enterprise social initiatives social loyalty social media social media analytics social media for utilities social media intelligence social media marketing social media monitoring social media program social media strategy social media technologies social network analysis social networking social networks social search social shopping social technologies social tools social; mobile; analytics; cloud computing; elasti software as a service software bugs software considerations in airborne systems and eq software development software development lifecycle software development methodologies software project governance software reuse. software testing solutions as a service source to shelf source-to-shelf sourcing-to-shelf spanish websites spare part pricing spare parts sales spend allocation sprint team sprints ssc ssis; sql server integration services; etl; extrac stabilized euro staffing decisions standard business processes standard markup standard naming convention state farm state goods and servie tax stem stock-out stockout store associates store operations stp straight through processing strategic it strategic marketing tool stream computing student-centered learning submission intake; commercial underwriting; middle sudhir gupta sukuk supplier management supply chain supply chain analytics supply chain management supply chain management consumer goods supply chain operations supply chain risk management supply chain software supply chain solutions supply chain strategies supply chain systems supply chains sustainability sustainablity swift swiftnet fileact symbian synchronous manufacturing synergies systemic risks systems integrator; si; systems integration; core systems integrators t24 t2s t2s platform taas tablet tablet-based shopping tacit knowledge tag management systems tagging tools takeda tammy erickson associates target2 target2-securities targeting taxonomy tco tdm tdmaxim technology technology migration teen driver safety programs telecom telecommunications telehealth telematics telematics data telematics insurance products telematics pilot projects telematics-based insurance products temenos tems terapi test data test data management test environment management services test environments test quest test risk assessment test risk assessment for project improvement testing as a service testing stage testing tools text analysis tools text analytics text mining the future of healthcare the mit center for digital business the new workplace the production search delivery framework thefind third-party integration thomson reuters three-dimensional augmented reality three-dimensional visualization thrivent tier 1 tier 3 tms total cost of ownership toyota production system tps tr trade execution trade finance trade finance software trade reconciliation transaction banks transaction processing transferwise transformation roadmap transformational it transportation and logistics transportation management travel travel & hospitality travel & hospitality industry travel and hospitality travel and hospitality industry travel industry tread act twitter u.s. affordable care act u.s. banks u.s. electric power sector u.s. federal energy regulatory commission u.s. healthcare industry u.s. healthcare market u.s. hospitality industry u.s. lending industry u.s. mortgage industry u.s. pharma industry u.s. pharmaceuticals industry u.s. retail banking u.s. tourism u.s. travel agents uad uae uae insurance carriers uae insurance market uae insurers ubi ubi programs ucdp ucits iv ugc ugc moderation ugc moderation solution ui template uk uk home services uldd umdp unconventional shale oil underwater borrowers underwriting unifor collateral data portal uniform appraisal dataset uniform loan data delivery uniform loan delivery dataset uniform mortgage data program upstream assets upstream operations usaa usage-based insurance usage-based premiums user story user-generated content utilities utilities industry utilities value chain utility consumption utility costs utility suppliers utilization management v2i v2v value added tax value at risk; var; revaluation method; historical value chain business process services value chain flexibility value stream mapping value-based pricing variation points vat vbm veeva irep vehicle-to-vehicle communication vendor managed inventory version 5010 transaction standard viewthrough virtual bank virtual brand management virtual collaboration virtual collaboration; virtual collaboration platf virtual data center technologies virtual financial market virtual goods virtual lans virtual teams virtualization virtualization of process virtualize virtualized f&a virtually collaborative workplace visual analytics vmi vmware vsphere voc voice of the customer voice of the customer program volcker rule vpn warehouse location warehouse management warehouse managers 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 self-service. energy & utilites web services migration programs webmd weighted outlier variable western union westlaw who wi-fi wi-max windows mobile wire fees wisard wms worker empowerment worker empowerment; boundaryless workplace; social workforce planning automation workforce turnover efficiency ratio working capital world health organizationlife sciences & pharma worldwide trade wrap and renew wyeth xbrl xevmpd xml xml architect xpages zap zero moment of truth zettabytes …less