Case-as-a-Service replaces paper-based correspondence management and investigative case management with automatic, digital workflows. Whatever their query, your customers benefit from a ‘one call, matter resolved’ service.
7 Benefits Of QuickBooks EnterPrise HostingSouraj Sarkar
QuickBooks Enterprise is an accounting solution that is trusted by enterprises globally. From inventory management to sales tax filing, this version of QuickBooks has a lot to offer.
With the cloud, the offerings of QuickBooks Enterprise increase manifolds as the advantages of cloud add up as well.
So, here are the benefits of cloud-hosted QuickBooks Enterprise.
5 Features Of QuickBooks Enterprise For ContractorsSouraj Sarkar
QuickBooks Enterprise is one of those softwares which is feasible for any industry they are put to. This insightful presentation is a quick relook into the advantages of QuickBooks Enterprise for construction industry.
Increasing Billable Hours With Cloud TechnologySouraj Sarkar
Cloud computing has been one of the significant inventions of the technological revolutions humankind is currently in. This presentation is one of the insightful stuff for companies and firms worldwide in how cloud computing can help them in their quest to increase billable hours and maintain the required integrity with clients.
(Background report) Future-proofing eGovernment for a Digital Single MarketCapgemini
The eGovernment Benchmark provides insight into the state-of-play of the implementation of digital public
services in Europe. For this benchmark of eGovernment services is assessed in 33 participating countries, including all of the EU28. The assessment is done by Mystery Shoppers, who measure the quality and quantity of online public services by acting as a user.
Under review is a set of seven life events. Each life event is measured once every two years. In 2014, three life events were assessed: Starting up a business, Losing and
finding a job, and Studying. These three life events have also been assessed in 2012, allowing to compare European progress over time for the first time.
This report presents the basic analysis of the study and a detailed overview of the measurement and this year's life events. It is accompanied by an Insight Report, which
provides the main insights stemming from the facts.
The study consists of four top-level benchmarks, covering important EU policy priorities:
* User Centricity
* Transparency
* Cross Border Mobility
* Key enablers
7 Benefits Of QuickBooks EnterPrise HostingSouraj Sarkar
QuickBooks Enterprise is an accounting solution that is trusted by enterprises globally. From inventory management to sales tax filing, this version of QuickBooks has a lot to offer.
With the cloud, the offerings of QuickBooks Enterprise increase manifolds as the advantages of cloud add up as well.
So, here are the benefits of cloud-hosted QuickBooks Enterprise.
5 Features Of QuickBooks Enterprise For ContractorsSouraj Sarkar
QuickBooks Enterprise is one of those softwares which is feasible for any industry they are put to. This insightful presentation is a quick relook into the advantages of QuickBooks Enterprise for construction industry.
Increasing Billable Hours With Cloud TechnologySouraj Sarkar
Cloud computing has been one of the significant inventions of the technological revolutions humankind is currently in. This presentation is one of the insightful stuff for companies and firms worldwide in how cloud computing can help them in their quest to increase billable hours and maintain the required integrity with clients.
(Background report) Future-proofing eGovernment for a Digital Single MarketCapgemini
The eGovernment Benchmark provides insight into the state-of-play of the implementation of digital public
services in Europe. For this benchmark of eGovernment services is assessed in 33 participating countries, including all of the EU28. The assessment is done by Mystery Shoppers, who measure the quality and quantity of online public services by acting as a user.
Under review is a set of seven life events. Each life event is measured once every two years. In 2014, three life events were assessed: Starting up a business, Losing and
finding a job, and Studying. These three life events have also been assessed in 2012, allowing to compare European progress over time for the first time.
This report presents the basic analysis of the study and a detailed overview of the measurement and this year's life events. It is accompanied by an Insight Report, which
provides the main insights stemming from the facts.
The study consists of four top-level benchmarks, covering important EU policy priorities:
* User Centricity
* Transparency
* Cross Border Mobility
* Key enablers
“The Antwerp Public Sector” Partners with Capgemini to Meet its Future Talent...Capgemini
Established in 2003, Digipolis is a representative association that advises entities in the cities of Antwerp and Ghent in Belgium for their Information, Communication and Telecommunications (ICT) initiatives.
Digipolis and its clients are now leveraging the power of Cloud and SaaS through a world-class, integrated solution for all their talent processes. Talent Management is now more efficient and easy to use with less paper transactions, reduced maintenance, and increased flexibility for HR functions.
How Excelerate Energy Harnessed the Cloud with Capgemini’s SAP-certified All-...Capgemini
At the 2014 Best Practices for Oil & Gas conference, Robert Stephens – Capgemini Energy and Chemicals Sector Leader for North America – delivered this presentation with Excelerate Energy’s Richard Hormann and Fabio Franco. In the session, they discussed how Excelerate implemented EnergyPath, Capgemini’s SAP-certified all-in-one ERP solution. The presentation concludes with an overview of results and applicable lessons for others.
For more on this event, visit: http://sap-oil-and-gas.com/ogna.
To learn more about EnergyPath, click here: http://www.capgemini.com/resources/accelerate-your-sap-implementation-with-energypath.
The Difficult Art of Quantifying Return on Digital InvestmentsCapgemini
Most companies today are struggling to measure the impact of digital initiatives. Even among digital leaders, nearly one in two organizations do not create business cases for digital investments. Why are companies struggling to measure digital investments? How can they measure their digital initiatives? How should organizations plan their digital investments?
The presentation introduces a paper concerned with the following 3 questions:
1. What are the main topics in the current Knowledge Economics research?
2. What gaps in current research exist and what are promising research avenues for the future?
3. What are the most crucial components in the process of creating knowledge outputs?
The purpose of this paper is to extend the earlier work by Capgemini and the State University of New York at New Paltz on the contributions to the mini-track on Knowledge Economics at the Hawaii International Conference on System Sciences (HICSS). In the present work, they analyze 16 contributions from 2012 to 2016 and based on the analysis, they propose the Six Pillars of Knowledge Economics framework. The proposed framework articulates that six elements are essential to generate knowledge outputs: Innovation Capability, Leadership, Human Capital, Information Technology Resources, Financial Resources, and Innovation Climate.
While innovative new technologies have been very efficient in combating traditional fraud, our research has found that digital technologies are also giving rise to new types of digital tax fraud: the increase in the number of e-filings of tax returns across geographies is driving new types of fraud using identity theft as the basis.
Another type of fraud taking shape is Zapping – using software programs to automatically skim cash from electronic cash registers (ECR) or point of sale systems.
Similarly, the growing usage of third-party payroll processors is opening up a whole new avenue of fraud where unscrupulous processors siphon off taxes due to the state.
Our analysis of these new digital tax frauds shows that inaction is not an option for tax authorities. We have modelled the evolution of tax fraud, taking into account new incidents of fraud enabled by digital technologies. Our findings are sobering for tax authorities. In a scenario where tax authorities continue to fight new tax fraud with conventional tools, we estimate digital tax fraud in the US will rise from $32 billion to $49 billion by 2020.
To combat this staggering scale of fraud, conventional methods are too slow for the digital age. Tax authorities must move away from an incremental, piecemeal approach to a much more comprehensive transformative line of attack with a long-term vision, roadmap and multifaceted solutions involving people, processes and technology.
What is the impact of inaction of tax authorities to rein in new types of digital tax fraud? How can analytics be used as an effective weapon to fight against digital tax fraud.
In latest years, the world of accounting has passed through a transformative journey, with cloud technological know-how rising as a cornerstone of this evolution. The future of cloud accounting holds guarantees of efficiency, accessibility, and innovation that may want to reshape how organizations and men and women manipulate their finances. Let’s delve into the key components that outline the trajectory of cloud accounting, exploring the trends, benefits, and challenges that pave the way for an extra related economic landscape.
Transforming the Public Sector Affordably in the CloudCapgemini
Case management, provided “as a Service,” is the answer to many current challenges for the public sector.
Political, economic and societal changes mean that public sector organizations must become extremely agile, effective and efficient. This necessitates a new level of flexible,
responsive IT capabilities. Advanced case management, delivered as a managed service, overcomes today’s resource constraints to put these capabilities within reach.
The Application of Information Technology in the Preparation and Presentation...IOSRJBM
Much of the activities in the preparation and presentation of financial statements are now driven by ICT. The enormous advantages (ICT) has accrued to the delivery of information and communication around the World, as well as the central role of ICT in the new global economy, means that ICT will indeed shape the dynamics of the new millennium. The role of and potential for ICTs in private and public sector accounting, auditing, investigation and reporting is enormous and cannot be over emphasized. This paper therefore assesses the types, benefits, challenges of using electronic accounting processing systems in the preparation and presentation of financial statements in Nigeria. The paper also highlights the Web based accounting system as well as the Peachtree accounting package; the Peachtree accounting package was practically illustrated and the results were presented in Spreadsheet. Secondary sources of data is mostly used. The paper concludes that the losers in this era of digital and information revolution will be organizations and professionals who fails to meet the challenges of Information and Communication Technology (ICT). Based on the findings and conclusion, the paper recommends that Accountants/Professionals should adequately equip themselves with the practical knowledge of information technology relevant in preparing and presenting financial statements.
The ultimate banking and financial sector with cloud computing machine ! Sai Natkar
Banking and financial sector basically operate over the vast IT infrastructures that deal with Big amount of data on a day-to-day basis.Banking organizations and the financial sector as a whole has been relatively slow in adopting the cloud. Their strategy has been to wait and watch on how the cloud performs both from a security as well as robustness of infrastructure point of view.
Cloud allows banks to serve customers in new ways and re-imagine their business models. It can help surface valuable insights from their data and transform how they make decisions. It enables them to tap expertise from across their entire ecosystem. Read the whitepaper to find out more.
With physical interaction no longer being an acceptable form of communication in light of social distancing efforts, enterprises and institutions around the world have made a sudden shift to digital solutions in a bid to retain productivity. Companies are now starting to realize the benefits of cloud computing, even beyond the immediate need for remote work generated by COVID-19 this year. As a result, it's likely that many businesses will begin scaling up their digital transformation efforts and invest heavily in IT and cloud resources in the coming years.
This documentation explains how cloud technology is the corporate world’s biggest partner in times of crises like COVID-19.
Interactive Case Reader for U.K. MINISTRY OF JUSTICE4Point Solutions
Ministry of Justice wanted to integrate an electronic solution that would centralize administrative tasks. 4Point created an interactive Case Reader solution.
“The Antwerp Public Sector” Partners with Capgemini to Meet its Future Talent...Capgemini
Established in 2003, Digipolis is a representative association that advises entities in the cities of Antwerp and Ghent in Belgium for their Information, Communication and Telecommunications (ICT) initiatives.
Digipolis and its clients are now leveraging the power of Cloud and SaaS through a world-class, integrated solution for all their talent processes. Talent Management is now more efficient and easy to use with less paper transactions, reduced maintenance, and increased flexibility for HR functions.
How Excelerate Energy Harnessed the Cloud with Capgemini’s SAP-certified All-...Capgemini
At the 2014 Best Practices for Oil & Gas conference, Robert Stephens – Capgemini Energy and Chemicals Sector Leader for North America – delivered this presentation with Excelerate Energy’s Richard Hormann and Fabio Franco. In the session, they discussed how Excelerate implemented EnergyPath, Capgemini’s SAP-certified all-in-one ERP solution. The presentation concludes with an overview of results and applicable lessons for others.
For more on this event, visit: http://sap-oil-and-gas.com/ogna.
To learn more about EnergyPath, click here: http://www.capgemini.com/resources/accelerate-your-sap-implementation-with-energypath.
The Difficult Art of Quantifying Return on Digital InvestmentsCapgemini
Most companies today are struggling to measure the impact of digital initiatives. Even among digital leaders, nearly one in two organizations do not create business cases for digital investments. Why are companies struggling to measure digital investments? How can they measure their digital initiatives? How should organizations plan their digital investments?
The presentation introduces a paper concerned with the following 3 questions:
1. What are the main topics in the current Knowledge Economics research?
2. What gaps in current research exist and what are promising research avenues for the future?
3. What are the most crucial components in the process of creating knowledge outputs?
The purpose of this paper is to extend the earlier work by Capgemini and the State University of New York at New Paltz on the contributions to the mini-track on Knowledge Economics at the Hawaii International Conference on System Sciences (HICSS). In the present work, they analyze 16 contributions from 2012 to 2016 and based on the analysis, they propose the Six Pillars of Knowledge Economics framework. The proposed framework articulates that six elements are essential to generate knowledge outputs: Innovation Capability, Leadership, Human Capital, Information Technology Resources, Financial Resources, and Innovation Climate.
While innovative new technologies have been very efficient in combating traditional fraud, our research has found that digital technologies are also giving rise to new types of digital tax fraud: the increase in the number of e-filings of tax returns across geographies is driving new types of fraud using identity theft as the basis.
Another type of fraud taking shape is Zapping – using software programs to automatically skim cash from electronic cash registers (ECR) or point of sale systems.
Similarly, the growing usage of third-party payroll processors is opening up a whole new avenue of fraud where unscrupulous processors siphon off taxes due to the state.
Our analysis of these new digital tax frauds shows that inaction is not an option for tax authorities. We have modelled the evolution of tax fraud, taking into account new incidents of fraud enabled by digital technologies. Our findings are sobering for tax authorities. In a scenario where tax authorities continue to fight new tax fraud with conventional tools, we estimate digital tax fraud in the US will rise from $32 billion to $49 billion by 2020.
To combat this staggering scale of fraud, conventional methods are too slow for the digital age. Tax authorities must move away from an incremental, piecemeal approach to a much more comprehensive transformative line of attack with a long-term vision, roadmap and multifaceted solutions involving people, processes and technology.
What is the impact of inaction of tax authorities to rein in new types of digital tax fraud? How can analytics be used as an effective weapon to fight against digital tax fraud.
In latest years, the world of accounting has passed through a transformative journey, with cloud technological know-how rising as a cornerstone of this evolution. The future of cloud accounting holds guarantees of efficiency, accessibility, and innovation that may want to reshape how organizations and men and women manipulate their finances. Let’s delve into the key components that outline the trajectory of cloud accounting, exploring the trends, benefits, and challenges that pave the way for an extra related economic landscape.
Transforming the Public Sector Affordably in the CloudCapgemini
Case management, provided “as a Service,” is the answer to many current challenges for the public sector.
Political, economic and societal changes mean that public sector organizations must become extremely agile, effective and efficient. This necessitates a new level of flexible,
responsive IT capabilities. Advanced case management, delivered as a managed service, overcomes today’s resource constraints to put these capabilities within reach.
The Application of Information Technology in the Preparation and Presentation...IOSRJBM
Much of the activities in the preparation and presentation of financial statements are now driven by ICT. The enormous advantages (ICT) has accrued to the delivery of information and communication around the World, as well as the central role of ICT in the new global economy, means that ICT will indeed shape the dynamics of the new millennium. The role of and potential for ICTs in private and public sector accounting, auditing, investigation and reporting is enormous and cannot be over emphasized. This paper therefore assesses the types, benefits, challenges of using electronic accounting processing systems in the preparation and presentation of financial statements in Nigeria. The paper also highlights the Web based accounting system as well as the Peachtree accounting package; the Peachtree accounting package was practically illustrated and the results were presented in Spreadsheet. Secondary sources of data is mostly used. The paper concludes that the losers in this era of digital and information revolution will be organizations and professionals who fails to meet the challenges of Information and Communication Technology (ICT). Based on the findings and conclusion, the paper recommends that Accountants/Professionals should adequately equip themselves with the practical knowledge of information technology relevant in preparing and presenting financial statements.
The ultimate banking and financial sector with cloud computing machine ! Sai Natkar
Banking and financial sector basically operate over the vast IT infrastructures that deal with Big amount of data on a day-to-day basis.Banking organizations and the financial sector as a whole has been relatively slow in adopting the cloud. Their strategy has been to wait and watch on how the cloud performs both from a security as well as robustness of infrastructure point of view.
Cloud allows banks to serve customers in new ways and re-imagine their business models. It can help surface valuable insights from their data and transform how they make decisions. It enables them to tap expertise from across their entire ecosystem. Read the whitepaper to find out more.
With physical interaction no longer being an acceptable form of communication in light of social distancing efforts, enterprises and institutions around the world have made a sudden shift to digital solutions in a bid to retain productivity. Companies are now starting to realize the benefits of cloud computing, even beyond the immediate need for remote work generated by COVID-19 this year. As a result, it's likely that many businesses will begin scaling up their digital transformation efforts and invest heavily in IT and cloud resources in the coming years.
This documentation explains how cloud technology is the corporate world’s biggest partner in times of crises like COVID-19.
Interactive Case Reader for U.K. MINISTRY OF JUSTICE4Point Solutions
Ministry of Justice wanted to integrate an electronic solution that would centralize administrative tasks. 4Point created an interactive Case Reader solution.
A financial institution will be in an advantageous position to handle market conditions, pressures from competitors, and shift in buyer trends.
https://www.raybiztech.com/blog/dell-boomi/financial-institutions-leverage-boomi-platform
Agentschap Ondernemen centralizes knowledge and improves service provision to...Quadrant Communications
The Enterprise Agency is using Microsoft Dynamics CRM Online, customized by Net IT, as its central knowledge database for all departments. The agency uses the software to organize its core tasks, such as request processing, providing information to companies, and organizing events. These processes now run in a uniform and structured way, providing all the desired monitoring options. This benefits the quality of their service provision.
COVID-19 heightened chronic challenges within the global healthcare industry. It became a catalyst amid fierce competition and tight regulations for health providers and payers to focus on digital health, cybersecurity, patient data transparency, and a variety of customer-centric and operational enhancements. As a result, we found the 2022 trendline pointing to improvements in access and quality of care.
Healthcare challenges such as optimizing the cost of care while simultaneously enabling personalized interventions and consumer-friendly shoppable services are long-standing − but, historically, the industry has been slow to react.
Read our Top Trends 2022 report to examine the lingering ramifications of the pandemic, responses from medical and insurance organizations, and the worldwide impact of ever-changing regulatory standards and mandates.
A combination of factors − the pandemic, catastrophic weather events, evolving policyholder expectations, and insurers’ drive for operational efficiency and future relevance − are sparking P&C industry changes.
In a post-COVID, new-normal environment, the most strategic insurers are building resilient, crisis-proof enterprises poised to take advantage of emerging and future business opportunities. They are leveraging advanced data analytics and novel technologies to assure agility and achieve positive revenue and customer satisfaction outcomes. Competitive advantage will hinge on accelerated digitalization and faster go-to-market. Therefore, win-win partnerships and embedded services with InsurTechs and other ecosystem players are critical.
Read Capgemini’s Top P&C Insurance Trends 2022 for a glimpse at the tactical and strategic initiatives carriers are undertaking to boost customer-centricity, product agility, intelligent processes, and an open ecosystem to ensure profitable growth and future-readiness.
This analysis provides an overview of the top trends in the commercial banking sector as they shift to technology high gear to boost client efficiency and battle a volatile, uncertain, competitive, and evolving landscape.
First, it was retail banking. Now, advanced technology is shifting to – and disrupting − the commercial banking space. Many commercial banks, known for paperwork, red tape, and branch dependency, were unprepared to support clients during their post-COVID-19 ramp-up. But now, the digital pivot to new mindsets, partnerships, and processes is in overdrive.
As commercial banks grapple with competition from FinTechs, BigTechs, and alternative lenders, their inability
to fulfill SME demands and pandemic after-shocks necessitates transformative process changes and a move
to experiential, sustainable, and inclusive banking models. We expect banks to strive to meet the demands
of corporate clients and SMEs by digitally transforming critical workflows and improving client experience.
Additionally, incremental process improvements in the middle and back-office that leverage intelligent
automation will keep the competition at bay because engaged clients are loyal.
Adopting newer methods to mine data and moving to as-a-Service models will prepare commercial banks
to flexibly respond to newcomers and find ways to co-exist through effective collaboration. The time has come for commercial banks to put transformation on the fast track as lending losses in wallet and market share could spill over to other functions!
How incumbents react and respond to 2022 trends could determine their relevancy and resiliency in the years ahead.
The Covid-19 pandemic necessitated the payments industry undergo a facelift, sparked by novel approaches from new-age players, fostered by industry consolidation, and customers’ demand for end-to-end experience. Crossing the threshold, the industry is entering a new era – Payments 4.X, where payments are embedded and invisible, and an enabling function to provide frictionless customer experience. As customers make a permanent shift to next-gen payment methods, Digital IDs are critical for a seamless payment experience. The B2B payments segment is witnessing rapid digitization. BigTechs, PayTechs, and industry newcomers are ready to jump in with newfangled solutions to help underserved small to medium-sized businesses (SMBs).
As incumbents struggle with profits, new-age firms are forging ahead to take the lead in the Payments 4.X era by riding the success of non-card products and services. The new era demands collaboration, platformification, and firms can unleash full market potential only by embracing API-based business models and open ecosystems. Data prowess and enhanced payment processing capabilities are inevitable to thrive ahead. The clock is ticking for banks and traditional payments firms because the competitive advantage is not guaranteed forever. As industry players seek economies of scale, consolidations loom, and non-banks explore new territories to threaten incumbents’ market share. While all these 2022 trends are at play, central bank digital currency (CBDC) is emerging globally and might open a new chapter in the current payments landscape.
As we slowly move out of the pandemic, financial services firms have learned the criticality of virtual engagement to business resilience. Wealth management firms will need capabilities to cater to new-age clients and deliver new-age services. This report aims to understand and analyze the top trends in the Wealth Management industry this year and beyond.
A year ago, our Top Trends in Wealth Management report emphasized how the pandemic sparked disruption and digital transformation and changing investor attitudes around Environmental, Social, and Corporate Governance (ESG) products. As we begin 2022, many of those trends continue to hold as COVID-19’s wide-reaching effects continue to influence the wealth management industry.
As wealth management (WM) firms supercharge their digital transformation journeys, investments in cybersecurity and human-centered design are becoming critical to building superior digital client experience (CX). Another holdover trend − sustainable investing – is gaining mainstream attention and generating increasingly sophisticated client demands. Data and analytics capabilities will become ever more essential for ESG scoring and personalized customer engagement. As large financial services firms refocus on their wealth management business while new digital players make industry strides, competition is becoming historically intense. Not surprisingly, client experience is the new battleground.
This analysis provides an overview of the top trends in the retail banking sector driven by the competition, digital transformation, and innovation led by retail banks exploring novel ways to create and retain value in evolving landscape.
COVID-19 caught banks off guard and shook legacy mindsets to the core. With 20/20 (2020) hindsight, firms are more aware, digitally resilient, and financially stable as they head into 2022. The trials of the past 18 months forced firms to shore up existing business and consider new models and revenue streams.
Customer-centricity remains at the top of most FS agendas and is a 2022 focal point. Banks will focus on achieving operational excellence as diligently as delivering superior CX. In 2022 and beyond, it will be paramount for FIs to explore and invest in new technologies to remain relevant and resilient.
Banking 4.X will arrive in full force in 2022 with platform-supported firms monetizing diverse ecosystem capabilities and aggressively harvesting data to create experiential customer journeys through intelligent and personalized engagements. The new era will compel future-focused banks to finally abandon legacy infrastructure and collaborate with third-party specialists to solidify their best-fit, long-term roles. Increasingly, open platforms will make banks invisible as banking becomes embedded into customer lifestyles. At the same time, banks will shed asset-heavy models and shift to the cloud for greater agility, speed to market, and faster innovation. The shift will act as a precursor to adopting new technologies on the horizon – 5G and Decentralized Finance.
The recent past was filled will extraordinary lessons for financial institutions. Now is the time to act on those learnings and move forward profitably.
While COVID-19 has sparked the demand for life insurance, it has also exposed the operating model vulnerabilities in distribution, servicing, and customer retention. In a post-COVID, new-normal environment, insurers need to enhance their capabilities around advanced data management and focus on seamless and secure data sharing to provide superior CX and hyper-personalized offerings. Accelerated digitalization and faster go-to-market are vital to remaining competitive, and win-win partnerships with ecosystems are critical in the journey.
Read our Top Life Insurance Trends 2022 to explore the tactical and strategic initiatives carriers undertake to acquire competencies around customer centricity, product agility, intelligent processes, and an open ecosystem to ensure profitable growth and future readiness.
Property & Casualty Insurance Top Trends 2021Capgemini
The Property & Casualty insurance landscape is evolving quickly with the changing risk landscape, entry of new players, and changing customer expectations. The ripple effects of COVID-19 on the P&C insurance industry and natural disasters such as forest fires have adversely impacted insurance firm books.
In this scenario, to ensure growth and future-readiness, the most strategic insurers strive to be ‘Inventive Insurers’ – assuming a customer-centric approach, deploying intelligent processes, practicing business resilience and go-to-market agility, and embracing an open ecosystem.
Read our Property & Casualty Insurance Top Trends 2021 report to explore the strategies insurers are adapting to remain competitive amidst the evolving business landscape and how they can explore new ways to enhance their profitability.
A combination of factors such as demographic changes, evolving consumer preferences, and desire to become operationally efficient were already spurring changes in the life insurance industry. Enter 2020 – the COVID-19 pandemic is having a significant impact on the industry.
At the peak of disruption, the focus was on ensuring business continuity, but new initiatives are cropping up to tackle the challenges as the industry is adapting to the new normal.
Furthermore, COVID-19 has acted as a catalyst, pushing life insurers to prioritize their efforts on improving customer centricity, developing go-to-market agility, making processes intelligent, building business resilience, and embracing the open ecosystem.
Read our Life Insurance Top Trends 2021 report to explore the strategies insurers are adopting to manage the changing market dynamics.
The uncertainty of 2020 is setting the global tone for the immediate future in the financial services industry. So it is no surprise banks are laser-focused on business resilience, emphasizing both financial and operational risks. The need to adapt quickly to new normal conditions through virtual customer engagement is clear.
Customer centricity continues to drive commercial banks’ solution designs. And, the pandemic compelled products that deliver immediate client value ‒ quick digital onboarding, seamless lending, and support for small and medium-sized enterprises (SMEs). The onus is now on banks to go to market more quickly, which requires the implementation of intelligent processes and integrating corporates’ enterprise resource planning (ERP) systems with banking workflows.
To achieve go-to-market agility, banks across the globe are investing in and collaborating with FinTechs. Many of these partnerships are focused on boosting digital lending and providing seamless support to anxious small-business clients in need of assurance.
With newfound impetus for FinTech collaboration, commercial banks have picked up their step on the path toward OpenX. COVID-19 made it evident that survival during turbulence is manageable through collaboration with ecosystem players.
Read our Top Trends in Commercial Banking 2021 report to explore the strategies banks are adapting to transform their businesses from a product-led, siloed model to an experiential and agile plan.
When we published the Top Trends in Wealth Management 2020, little did we foresee the pandemic that would sweep through the world and disrupt life as we knew it. Yet, when we reviewed last year’s trends, we found that many still hold and some have taken on even greater relevance. One such trend is sustainable investing, which had begun to gain prominence as investors became more aware of ESG considerations, and firms rolled out more sustainable investing offerings. Another trend that has accelerated in the post-COVID world is the importance of investing in omnichannel capabilities and technologies such as artificial intelligence (AI) to enhance personalization and advisor effectiveness. The pandemic has driven wealth management firms to accelerate their digital transformation journey, with some immediate focus areas being interactive client communications and digital advisor tools.
There is no denying that time is of the essence. Yes, budgets are tight, but the Open X ecosystem offers wealth management firms opportunities to reimagine their operating models and deliver excellent customer experience cost-effectively.
Top trends in Payments: 2020 highlighted the payments industry’s flux driven by new trends in technology adoption, innovative solutions, and changing consumer behavior. The pandemic has tested the digital mastery of players, who are already grappling with transition. Non-cash transactions are on a robust growth path, accelerated by increased adoption during COVID-19. Regulators are working to instill trust and address non-cash payments risk amid unparalleled growth as players collaborate to quell uncertainty. Regional initiatives, such as the P27 (Nordics real-time payments system) and the EPI (European Payments Initiative), are gaining traction in response to country-level fragmentation and competition.
Investment in emerging technologies is looked upon as an elixir to mitigate fraud, data-driven offerings are being considered for providing value-added propositions, and distributed ledger technology is in focus for digital currency solutions, efficiency enhancement, and cost gains. New players, such as retailers/merchants, are integrating payments into their value chains while technology giants are upscaling their financial services game by weaving offerings around payments as a center stage. Constrained by budgets, firms consider business models such as Platform-as-a-Service (PaaS) to provide cost-effective and superior customer experience.
A combination of factors, including demographic changes, evolving consumer preferences, and regulatory and compliance mandates, were already spurring change in the health insurance industry. Enter 2020 and the COVID-19 pandemic, which is having sweeping implications for the industry.
At the peak of disruption, the focus was on ensuring business continuity, but new initiatives are cropping up to tackle the challenges as the industry adapts to the new normal.
Furthermore, some changes are here to stay, and it will be prudent for the industry players to be resilient to the market shifts by being agile, improving member centricity, making processes intelligent, and embracing the open ecosystem.
Read our Health Insurance Top Trends 2021 report to explore the strategies insurers are adopting to manage the external pressures.
The banking industry’s resilience is being tested as banks navigate through a remarkable 2020 filled with uncertainties. The impact of COVID-19 has been about setting the tone for future operational models. Retail banks have shifted focus towards integrated risk management with a more holistic view of operational risks. Adapting to the new normal, banks have prioritized cost transformation while engaging customers virtually. Incumbents sought to be more responsible within fast-changing environmental conditions and ESG remained a critical focus.
To provide more experiential services, banks are leveraging techniques such as segment-of-one to hyper-personalize offerings while aiming to humanize digital channels for increased engagement. Banks are also revamping middle and back offices, going beyond the front end leveraging intelligent processes. Open X is enabling banks to play on their strengths and use the expertise of ecosystem players. Going forward, banks are poised to become an enhanced one-stop shop by providing consumers value-adding FS and non-FS experiences.
To acquire customers in cost-effective manner, retail banks are tapping value-based propositions ‒ such as POS financing and mortgage refinancing. Further, Banking-as-Service provides incumbents a way to provide their high-value offerings to other players. In preparation for the future, banks will be looking to improve their go-to-market agility by leveraging the benefits of cloud. This analysis outlines the top 10 trends in retail banking for 2021.
Explore how Capgemini’s Connected autonomous planning fine-tunes Consumer Products Company’s operations for manufacturing, transport, procurement, and virtually every other aspect of the supply-value network in a touchless, autonomous way.
Financial services is undergoing a paradigm shift that is forcing incumbent retail banks to rethink growth strategies as they struggle to remain relevant. Growing competition from BigTechs, FinTech firms, and challenger banks has added to the complexity created by increasingly stringent regulatory and compliance requirements. Customers now expect a seamless customer journey and personalized offerings because they have become accustomed to top-notch individualized service from GAFA giants Google, Apple, Facebook, and Amazon. The changing ecosystem offers established banks new, unexplored opportunities and encourages a transition beyond traditional products to meet the exacting requirements of today’s customers. Bank collaboration with FinTech and RegTech partners is becoming commonplace. Incumbents are exploring point-of-sale financing and unsecured consumer lending, while they also boost their digital channel competencies to reach a broader customer base. Banks are beginning to accept open APIs and are working with third-party specialists to create an open shared marketplace. Technological advancements such as AI are fueling efforts to evolve customer onboarding and touchpoint processes. Increasingly, banks are turning to design thinking methodology to understand the customer journey, extract deep insights, and develop a more refined user experience across the customer lifecycle.
Our analysis of the top retail banking trends for 2020 offers a glimpse into the fast-changing banking ecosystem and explores the tools and solutions being used to face new-age challenges.
Aspects of the life insurance industry have remained constant for years – and so have premiums. Traditional savings products have taken a huge hit in terms of attractiveness because low interest-rates prevail. Meanwhile, the risk landscape is shifting, and insurers need to align better with the emerging business environment, manage changing customer preferences, and improve operational efficiencies. Within today’s scenario, industry players are undertaking tactical and strategic shifts in attempts to manage unpredictable market dynamics. Insurers must develop alternative products to breathe new life into policies and leverage emerging technologies (artificial intelligence (AI), analytics, and blockchain) to improve efficiency, agility, flexibility, and customer-centricity.
Read Top Trends in Life Insurance: 2020 for a look at the innovative steps future-focused insurers are considering to meet industry challenges and opportunities.
The health insurance industry is evolving and undergoing significant changes. As the risk landscape shifts, insurers are working to improve operational efficiencies, meet evolving customer preferences, and align better with the changing business environment. Accordingly, payers must adapt and align business models and offerings. An incisive tactical approach is required to accommodate members’ needs and related emerging risks — medical, health, and environmental. Advanced technologies such as artificial intelligence, analytics, automation, and connected devices are enabling insurers to manage these changes proactively, partner with members, and help to prevent risks, all the while continuing to fulfill payer responsibilities.
Read Top Trends in Health Insurance: 2020 to learn which strategies insurers are adopting to navigate and align with today’s challenges.
Similar to other financial services domains, payments is evolving into an open ecosystem. The EU’s Payment Services Directive (PSD2) pioneered open banking by encouraging banks and established payments players to securely open the systems to foster competition, innovation, and more customer choices. In tandem with non-cash transaction growth, regulations are driving banks and payments firms to expand their array of payment methods and channels. Governments are encouraging financial inclusion by also promoting the adoption of non-cash payments. Increasingly, merchants and corporates seek to offer alternative payment systems because of widespread popularity among consumers. Alternative payments also enable merchants to provide real-time and cross-border payments to boost business efficiency.
Banks, payment firms, card firms, BigTechs, FinTechs, and other players are continuously developing new technology to cash in on market changes. However, data breaches and fraud continue to hinder innovation as firms devote countless resources each year to address security issues. Many governments are also designing new regulations to reduce ecosystem threats. All these measures are expected to make the current ecosystem much more secure and simple for players as well as customers.
Top Trends in Payments: 2020 explores and analyzes payments ecosystem initiatives and solutions for this year and beyond
Accelerate your Kubernetes clusters with Varnish CachingThijs Feryn
A presentation about the usage and availability of Varnish on Kubernetes. This talk explores the capabilities of Varnish caching and shows how to use the Varnish Helm chart to deploy it to Kubernetes.
This presentation was delivered at K8SUG Singapore. See https://feryn.eu/presentations/accelerate-your-kubernetes-clusters-with-varnish-caching-k8sug-singapore-28-2024 for more details.
Transcript: Selling digital books in 2024: Insights from industry leaders - T...BookNet Canada
The publishing industry has been selling digital audiobooks and ebooks for over a decade and has found its groove. What’s changed? What has stayed the same? Where do we go from here? Join a group of leading sales peers from across the industry for a conversation about the lessons learned since the popularization of digital books, best practices, digital book supply chain management, and more.
Link to video recording: https://bnctechforum.ca/sessions/selling-digital-books-in-2024-insights-from-industry-leaders/
Presented by BookNet Canada on May 28, 2024, with support from the Department of Canadian Heritage.
Pushing the limits of ePRTC: 100ns holdover for 100 daysAdtran
At WSTS 2024, Alon Stern explored the topic of parametric holdover and explained how recent research findings can be implemented in real-world PNT networks to achieve 100 nanoseconds of accuracy for up to 100 days.
Welcome to the first live UiPath Community Day Dubai! Join us for this unique occasion to meet our local and global UiPath Community and leaders. You will get a full view of the MEA region's automation landscape and the AI Powered automation technology capabilities of UiPath. Also, hosted by our local partners Marc Ellis, you will enjoy a half-day packed with industry insights and automation peers networking.
📕 Curious on our agenda? Wait no more!
10:00 Welcome note - UiPath Community in Dubai
Lovely Sinha, UiPath Community Chapter Leader, UiPath MVPx3, Hyper-automation Consultant, First Abu Dhabi Bank
10:20 A UiPath cross-region MEA overview
Ashraf El Zarka, VP and Managing Director MEA, UiPath
10:35: Customer Success Journey
Deepthi Deepak, Head of Intelligent Automation CoE, First Abu Dhabi Bank
11:15 The UiPath approach to GenAI with our three principles: improve accuracy, supercharge productivity, and automate more
Boris Krumrey, Global VP, Automation Innovation, UiPath
12:15 To discover how Marc Ellis leverages tech-driven solutions in recruitment and managed services.
Brendan Lingam, Director of Sales and Business Development, Marc Ellis
Climate Impact of Software Testing at Nordic Testing DaysKari Kakkonen
My slides at Nordic Testing Days 6.6.2024
Climate impact / sustainability of software testing discussed on the talk. ICT and testing must carry their part of global responsibility to help with the climat warming. We can minimize the carbon footprint but we can also have a carbon handprint, a positive impact on the climate. Quality characteristics can be added with sustainability, and then measured continuously. Test environments can be used less, and in smaller scale and on demand. Test techniques can be used in optimizing or minimizing number of tests. Test automation can be used to speed up testing.
PHP Frameworks: I want to break free (IPC Berlin 2024)Ralf Eggert
In this presentation, we examine the challenges and limitations of relying too heavily on PHP frameworks in web development. We discuss the history of PHP and its frameworks to understand how this dependence has evolved. The focus will be on providing concrete tips and strategies to reduce reliance on these frameworks, based on real-world examples and practical considerations. The goal is to equip developers with the skills and knowledge to create more flexible and future-proof web applications. We'll explore the importance of maintaining autonomy in a rapidly changing tech landscape and how to make informed decisions in PHP development.
This talk is aimed at encouraging a more independent approach to using PHP frameworks, moving towards a more flexible and future-proof approach to PHP development.
Encryption in Microsoft 365 - ExpertsLive Netherlands 2024Albert Hoitingh
In this session I delve into the encryption technology used in Microsoft 365 and Microsoft Purview. Including the concepts of Customer Key and Double Key Encryption.
GDG Cloud Southlake #33: Boule & Rebala: Effective AppSec in SDLC using Deplo...James Anderson
Effective Application Security in Software Delivery lifecycle using Deployment Firewall and DBOM
The modern software delivery process (or the CI/CD process) includes many tools, distributed teams, open-source code, and cloud platforms. Constant focus on speed to release software to market, along with the traditional slow and manual security checks has caused gaps in continuous security as an important piece in the software supply chain. Today organizations feel more susceptible to external and internal cyber threats due to the vast attack surface in their applications supply chain and the lack of end-to-end governance and risk management.
The software team must secure its software delivery process to avoid vulnerability and security breaches. This needs to be achieved with existing tool chains and without extensive rework of the delivery processes. This talk will present strategies and techniques for providing visibility into the true risk of the existing vulnerabilities, preventing the introduction of security issues in the software, resolving vulnerabilities in production environments quickly, and capturing the deployment bill of materials (DBOM).
Speakers:
Bob Boule
Robert Boule is a technology enthusiast with PASSION for technology and making things work along with a knack for helping others understand how things work. He comes with around 20 years of solution engineering experience in application security, software continuous delivery, and SaaS platforms. He is known for his dynamic presentations in CI/CD and application security integrated in software delivery lifecycle.
Gopinath Rebala
Gopinath Rebala is the CTO of OpsMx, where he has overall responsibility for the machine learning and data processing architectures for Secure Software Delivery. Gopi also has a strong connection with our customers, leading design and architecture for strategic implementations. Gopi is a frequent speaker and well-known leader in continuous delivery and integrating security into software delivery.
Le nuove frontiere dell'AI nell'RPA con UiPath Autopilot™UiPathCommunity
In questo evento online gratuito, organizzato dalla Community Italiana di UiPath, potrai esplorare le nuove funzionalità di Autopilot, il tool che integra l'Intelligenza Artificiale nei processi di sviluppo e utilizzo delle Automazioni.
📕 Vedremo insieme alcuni esempi dell'utilizzo di Autopilot in diversi tool della Suite UiPath:
Autopilot per Studio Web
Autopilot per Studio
Autopilot per Apps
Clipboard AI
GenAI applicata alla Document Understanding
👨🏫👨💻 Speakers:
Stefano Negro, UiPath MVPx3, RPA Tech Lead @ BSP Consultant
Flavio Martinelli, UiPath MVP 2023, Technical Account Manager @UiPath
Andrei Tasca, RPA Solutions Team Lead @NTT Data
A tale of scale & speed: How the US Navy is enabling software delivery from l...sonjaschweigert1
Rapid and secure feature delivery is a goal across every application team and every branch of the DoD. The Navy’s DevSecOps platform, Party Barge, has achieved:
- Reduction in onboarding time from 5 weeks to 1 day
- Improved developer experience and productivity through actionable findings and reduction of false positives
- Maintenance of superior security standards and inherent policy enforcement with Authorization to Operate (ATO)
Development teams can ship efficiently and ensure applications are cyber ready for Navy Authorizing Officials (AOs). In this webinar, Sigma Defense and Anchore will give attendees a look behind the scenes and demo secure pipeline automation and security artifacts that speed up application ATO and time to production.
We will cover:
- How to remove silos in DevSecOps
- How to build efficient development pipeline roles and component templates
- How to deliver security artifacts that matter for ATO’s (SBOMs, vulnerability reports, and policy evidence)
- How to streamline operations with automated policy checks on container images
SAP Sapphire 2024 - ASUG301 building better apps with SAP Fiori.pdfPeter Spielvogel
Building better applications for business users with SAP Fiori.
• What is SAP Fiori and why it matters to you
• How a better user experience drives measurable business benefits
• How to get started with SAP Fiori today
• How SAP Fiori elements accelerates application development
• How SAP Build Code includes SAP Fiori tools and other generative artificial intelligence capabilities
• How SAP Fiori paves the way for using AI in SAP apps
zkStudyClub - Reef: Fast Succinct Non-Interactive Zero-Knowledge Regex ProofsAlex Pruden
This paper presents Reef, a system for generating publicly verifiable succinct non-interactive zero-knowledge proofs that a committed document matches or does not match a regular expression. We describe applications such as proving the strength of passwords, the provenance of email despite redactions, the validity of oblivious DNS queries, and the existence of mutations in DNA. Reef supports the Perl Compatible Regular Expression syntax, including wildcards, alternation, ranges, capture groups, Kleene star, negations, and lookarounds. Reef introduces a new type of automata, Skipping Alternating Finite Automata (SAFA), that skips irrelevant parts of a document when producing proofs without undermining soundness, and instantiates SAFA with a lookup argument. Our experimental evaluation confirms that Reef can generate proofs for documents with 32M characters; the proofs are small and cheap to verify (under a second).
Paper: https://eprint.iacr.org/2023/1886
State of ICS and IoT Cyber Threat Landscape Report 2024 previewPrayukth K V
The IoT and OT threat landscape report has been prepared by the Threat Research Team at Sectrio using data from Sectrio, cyber threat intelligence farming facilities spread across over 85 cities around the world. In addition, Sectrio also runs AI-based advanced threat and payload engagement facilities that serve as sinks to attract and engage sophisticated threat actors, and newer malware including new variants and latent threats that are at an earlier stage of development.
The latest edition of the OT/ICS and IoT security Threat Landscape Report 2024 also covers:
State of global ICS asset and network exposure
Sectoral targets and attacks as well as the cost of ransom
Global APT activity, AI usage, actor and tactic profiles, and implications
Rise in volumes of AI-powered cyberattacks
Major cyber events in 2024
Malware and malicious payload trends
Cyberattack types and targets
Vulnerability exploit attempts on CVEs
Attacks on counties – USA
Expansion of bot farms – how, where, and why
In-depth analysis of the cyber threat landscape across North America, South America, Europe, APAC, and the Middle East
Why are attacks on smart factories rising?
Cyber risk predictions
Axis of attacks – Europe
Systemic attacks in the Middle East
Download the full report from here:
https://sectrio.com/resources/ot-threat-landscape-reports/sectrio-releases-ot-ics-and-iot-security-threat-landscape-report-2024/
Removing Uninteresting Bytes in Software FuzzingAftab Hussain
Imagine a world where software fuzzing, the process of mutating bytes in test seeds to uncover hidden and erroneous program behaviors, becomes faster and more effective. A lot depends on the initial seeds, which can significantly dictate the trajectory of a fuzzing campaign, particularly in terms of how long it takes to uncover interesting behaviour in your code. We introduce DIAR, a technique designed to speedup fuzzing campaigns by pinpointing and eliminating those uninteresting bytes in the seeds. Picture this: instead of wasting valuable resources on meaningless mutations in large, bloated seeds, DIAR removes the unnecessary bytes, streamlining the entire process.
In this work, we equipped AFL, a popular fuzzer, with DIAR and examined two critical Linux libraries -- Libxml's xmllint, a tool for parsing xml documents, and Binutil's readelf, an essential debugging and security analysis command-line tool used to display detailed information about ELF (Executable and Linkable Format). Our preliminary results show that AFL+DIAR does not only discover new paths more quickly but also achieves higher coverage overall. This work thus showcases how starting with lean and optimized seeds can lead to faster, more comprehensive fuzzing campaigns -- and DIAR helps you find such seeds.
- These are slides of the talk given at IEEE International Conference on Software Testing Verification and Validation Workshop, ICSTW 2022.
Essentials of Automations: The Art of Triggers and Actions in FMESafe Software
In this second installment of our Essentials of Automations webinar series, we’ll explore the landscape of triggers and actions, guiding you through the nuances of authoring and adapting workspaces for seamless automations. Gain an understanding of the full spectrum of triggers and actions available in FME, empowering you to enhance your workspaces for efficient automation.
We’ll kick things off by showcasing the most commonly used event-based triggers, introducing you to various automation workflows like manual triggers, schedules, directory watchers, and more. Plus, see how these elements play out in real scenarios.
Whether you’re tweaking your current setup or building from the ground up, this session will arm you with the tools and insights needed to transform your FME usage into a powerhouse of productivity. Join us to discover effective strategies that simplify complex processes, enhancing your productivity and transforming your data management practices with FME. Let’s turn complexity into clarity and make your workspaces work wonders!