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  • Some Benefits of Cash Registers

    A cash register is one of the devices that are used within a sales establishment and which are being operated by a sales clerk. This is usually used to calculate the total number of sale a customer w... [Author: Alan Wisdom - Computers and Internet - April 05, 2010]

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  • Zukunftsmusik auf der Oracle OpenWorld 2013

    - by Alliances & Channels Redaktion
    "The future begins at Oracle OpenWorld", das Motto weckt große Erwartungen! Wie die Zukunft aussehen könnte, davon konnten sich 60.000 Besucherinnen und Besucher aus 145 Ländern vor Ort in San Francisco selbst überzeugen: In sage und schreibe 2.555 Sessions – verteilt über Downtown San Francisco – ging es dort um Zukunftstechnologien und neue Entwicklungen. Wie soll man zusammenfassen, was insgesamt 3.599 Speaker, fast die Hälfte übrigens Kunden und Partner, in vier Tagen an technologischen Visionen entwickelt und präsentiert haben? Nehmen wir ein konkretes Beispiel, das in diversen Sessions immer wieder auftauchte: Das „Internet of Things“, sprich „intelligente“ Alltagsgegenstände, deren eingebaute Minicomputer ohne den Umweg über einen PC miteinander kommunizieren und auf äußere Einflüsse reagieren. Für viele ist das heute noch Neuland, doch die Weiterentwicklung des Internet of Things eröffnet für Oracle, wie auch für die Partner, ein spannendes Arbeitsfeld und natürlich auch einen neuen Markt. Die omnipräsenten Fokus-Themen der viertägigen größten Hauskonferenz von Oracle hießen in diesem Jahr Customer Experience und Human Capital Management. Spannend für Partner waren auch die Strategien und die Roadmap von Oracle sowie die Neuigkeiten aus den Bereichen Engineered Systems, Cloud Computing, Business Analytics, Big Data und Customer Experience. Neue Rekorde stellte die Oracle OpenWorld auch im Netz auf: Mehr als 2,1 Millionen Menschen besuchten diese Veranstaltung online und nutzten dabei über 224 Social-Media Kanäle – fast doppelt so viele wie noch vor einem Jahr. Die gute Nachricht: Die Oracle OpenWorld bleibt online, denn es besteht nach wie vor die Möglichkeit, OnDemand-Videos der Keynote- und Session-Highlights anzusehen: Gehen Sie einfach auf Conference Video Highlights  und wählen Sie aus acht Bereichen entweder eine Zusammenfassung oder die vollständige Keynote beziehungsweise Session. Dort finden Sie auch Videos der eigenen Fach-Konferenzen, die im Umfeld der Oracle OpenWorld stattfanden: die JavaOne, die MySQL Connect und der Oracle PartnerNetwork Exchange. Beim Oracle PartnerNetwork Exchange wurden, ganz auf die Fragen und Bedürfnisse der Oracle Partner zugeschnitten, Themen wie Cloud für Partner, Applications, Engineered Systems und Hardware, Big Data, oder Industry Solutions behandelt, und es gab, ganz wichtig, viel Gelegenheit zu Austausch und Vernetzung. Konkret befassten sich dort beispielsweise Sessions mit Cloudanwendungen im Gesundheitsbereich, mit der Erstellung überzeugender Business Cases für Kundengespräche oder mit Mobile und Social Networking. Die aus Deutschland angereisten über 40 Partner trafen sich beim OPN Exchange zu einem anregenden gemeinsamen Abend mit den anderen Teilnehmern. Dass die Oracle OpenWorld auch noch zum sportlichen Highlight werden würde, kam denkbar unerwartet: Zeitgleich mit der Konferenz wurde nämlich in der Bucht von San Francisco die entscheidende 19. Etappe des Americas Cup ausgetragen. Im traditionsreichen Segelwettbewerb lag Team Oracle USA zunächst mit 1:8 zurück, schaffte es aber dennoch, den Sieg vor dem lange Zeit überlegenen Team Neuseeland zu holen und somit den Titel zu verteidigen. Selbstverständlich fand die Oracle OpenWorld auch ein großes Medienecho. Wir haben eine Auswahl für Sie zusammengestellt: - ChannelPartner- Computerwoche - Heise - Silicon über Big Data - Silicon über 12c

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  • Zukunftsmusik auf der Oracle OpenWorld 2013

    - by Alliances & Channels Redaktion
    "The future begins at Oracle OpenWorld", das Motto weckt große Erwartungen! Wie die Zukunft aussehen könnte, davon konnten sich 60.000 Besucherinnen und Besucher aus 145 Ländern vor Ort in San Francisco selbst überzeugen: In sage und schreibe 2.555 Sessions – verteilt über Downtown San Francisco – ging es dort um Zukunftstechnologien und neue Entwicklungen. Wie soll man zusammenfassen, was insgesamt 3.599 Speaker, fast die Hälfte übrigens Kunden und Partner, in vier Tagen an technologischen Visionen entwickelt und präsentiert haben? Nehmen wir ein konkretes Beispiel, das in diversen Sessions immer wieder auftauchte: Das „Internet of Things“, sprich „intelligente“ Alltagsgegenstände, deren eingebaute Minicomputer ohne den Umweg über einen PC miteinander kommunizieren und auf äußere Einflüsse reagieren. Für viele ist das heute noch Neuland, doch die Weiterentwicklung des Internet of Things eröffnet für Oracle, wie auch für die Partner, ein spannendes Arbeitsfeld und natürlich auch einen neuen Markt. Die omnipräsenten Fokus-Themen der viertägigen größten Hauskonferenz von Oracle hießen in diesem Jahr Customer Experience und Human Capital Management. Spannend für Partner waren auch die Strategien und die Roadmap von Oracle sowie die Neuigkeiten aus den Bereichen Engineered Systems, Cloud Computing, Business Analytics, Big Data und Customer Experience. Neue Rekorde stellte die Oracle OpenWorld auch im Netz auf: Mehr als 2,1 Millionen Menschen besuchten diese Veranstaltung online und nutzten dabei über 224 Social-Media Kanäle – fast doppelt so viele wie noch vor einem Jahr. Die gute Nachricht: Die Oracle OpenWorld bleibt online, denn es besteht nach wie vor die Möglichkeit, OnDemand-Videos der Keynote- und Session-Highlights anzusehen: Gehen Sie einfach auf Conference Video Highlights und wählen Sie aus acht Bereichen entweder eine Zusammenfassung oder die vollständige Keynote beziehungsweise Session. Dort finden Sie auch Videos der eigenen Fach-Konferenzen, die im Umfeld der Oracle OpenWorld stattfanden: die JavaOne, die MySQL Connect und der Oracle PartnerNetwork Exchange. Beim Oracle PartnerNetwork Exchange wurden, ganz auf die Fragen und Bedürfnisse der Oracle Partner zugeschnitten, Themen wie Cloud für Partner, Applications, Engineered Systems und Hardware, Big Data, oder Industry Solutions behandelt, und es gab, ganz wichtig, viel Gelegenheit zu Austausch und Vernetzung. Konkret befassten sich dort beispielsweise Sessions mit Cloudanwendungen im Gesundheitsbereich, mit der Erstellung überzeugender Business Cases für Kundengespräche oder mit Mobile und Social Networking. Die aus Deutschland angereisten über 40 Partner trafen sich beim OPN Exchange zu einem anregenden gemeinsamen Abend mit den anderen Teilnehmern. Dass die Oracle OpenWorld auch noch zum sportlichen Highlight werden würde, kam denkbar unerwartet: Zeitgleich mit der Konferenz wurde nämlich in der Bucht von San Francisco die entscheidende 19. Etappe des Americas Cup ausgetragen. Im traditionsreichen Segelwettbewerb lag Team Oracle USA zunächst mit 1:8 zurück, schaffte es aber dennoch, den Sieg vor dem lange Zeit überlegenen Team Neuseeland zu holen und somit den Titel zu verteidigen. Selbstverständlich fand die Oracle OpenWorld auch ein großes Medienecho. Wir haben eine Auswahl für Sie zusammengestellt: - ChannelPartner- Computerwoche - Heise - Silicon über Big Data - Silicon über 12c

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  • Live Webcast for Skire Customers - 8 November

    - by Melissa Centurio Lopes
    Normal 0 false false false EN-US X-NONE X-NONE MicrosoftInternetExplorer4 /* Style Definitions */ table.MsoNormalTable {mso-style-name:"Table Normal"; mso-tstyle-rowband-size:0; mso-tstyle-colband-size:0; mso-style-noshow:yes; mso-style-priority:99; mso-style-qformat:yes; mso-style-parent:""; mso-padding-alt:0in 5.4pt 0in 5.4pt; mso-para-margin-top:0in; mso-para-margin-right:0in; mso-para-margin-bottom:10.0pt; mso-para-margin-left:0in; line-height:115%; mso-pagination:widow-orphan; font-size:11.0pt; font-family:"Calibri","sans-serif"; mso-ascii-font-family:Calibri; mso-ascii-theme-font:minor-latin; mso-hansi-font-family:Calibri; mso-hansi-theme-font:minor-latin; mso-bidi-font-family:"Times New Roman"; mso-bidi-theme-font:minor-bidi;} Join our Important Customer Briefing live webcast with Oracle Executive Mike Sicilia to learn more about the product strategy for the combined Oracle Primavera and Skire offering. Mike Sicilia, Senior Vice President and General Manager, Oracle Primavera Global Business Unit, invites you to join him for an exclusive update on Oracle’s acquisition of substantially all of Skire’s assets. Don’t miss this special, live webcast on November 8th, Attend this online event and listen to Mike Sicilia share with you: The strategic reasons behind Oracle’s acquisition of substantially all of Skire’s assets and what it means to you and your organization Oracle’s vision to deliver the most comprehensive Enterprise Project Portfolio Management (EPPM) offering to manage the complete project lifecycle, from capital planning and construction to operations and maintenance Exciting new product releases to help organizations manage their projects and facilities with more predictability and financial control, improving profitability and operational efficiency. Oracle’s consistent commitment to customer success and product support Save your seat: register now to attend this exclusive online event and learn how the combination of Oracle Primavera and Skire can help your organization succeed. For more information about the combination of Oracle and Skire, please visit oracle.com/skire

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  • Hadoop growing pains

    - by Piotr Rodak
    This post is not going to be about SQL Server. I have been reading recently more and more about “Big Data” – very catchy term that describes untamed increase of the data that mankind is producing each day and the struggle to capture the meaning of these data. Ten years ago, and perhaps even three years ago this need was not so recognized. Increasing number of smartphones and discernable trend of mainstream Internet traffic moving to the smartphone generated one means that there is bigger and bigger stream of information that has to be stored, transformed, analysed and perhaps monetized. The nature of this traffic makes if very difficult to wrap it into boundaries of relational database engines. The amount of data makes it near to impossible to process them in relational databases within reasonable time. This is where ‘cloud’ technologies come to play. I just read a good article about the growing pains of Hadoop, which became one of the leading players on distributed processing arena within last year or two. Toby Baer concludes in it that lack of enterprise ready toolsets hinders Hadoop’s apprehension in the enterprise world. While this is true, something else drew my attention. According to the article there are already about half of a dozen of commercially supported distributions of Hadoop. For me, who has not been involved into intricacies of open-source world, this is quite interesting observation. On one hand, it is good that there is competition as it is beneficial in the end to the customer. On the other hand, the customer is faced with difficulty of choosing the right distribution. In future, when Hadoop distributions fork even more, this choice will be even harder. The distributions will have overlapping sets of features, yet will be quite incompatible with each other. I suppose it will take a few years until leaders emerge and the market will begin to resemble what we see in Linux world. There are myriads of distributions, but only few are acknowledged by the industry as enterprise standard. Others are honed by bearded individuals with too much time to spend. In any way, the third fact I can’t help but notice about the proliferation of distributions of Hadoop is that IT professionals will have jobs.   BuzzNet Tags: Hadoop,Big Data,Enterprise IT

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  • Post Crosstalk 2012

    - by David Dorf
    This year the Oracle Retail users conference, Crosstalk, had a 20% increase in attendees, which was driven by both new customers and those acquired via Endeca.  As the product assets of Oracle have grown, so has the completeness of the solution set.  This year was marked by the breadth of omni-channel stories. Rose Spicer and her marketing team (see photo on left) always strive for an equal balance of retailer presentations, networking opportunities, and unique experiences -- this year was no exception.  We had 41 different retailers from China, Russia, South Africa, Brazil, Chile, US, Canada and the UK sharing their insights with one another. In all there were 251 executives from 120 iconic brands such as Daphne, Kohl's, Morrisons, Abercrombie & Fitch, Hot Topic, Talbots, Petco, Deckers, Sportmaster, Mr. Price, Falabella, and Disney to name a few. From a product perspective, there were a few new developments from Oracle Retail: Endeca's search engine has been integrated into the ATG commerce platform. The latest Retail Analytics application, Oracle Retail Customer Analytics, is generally available. Oracle Retail previewed a new fully-integrated mobile POS. But the real benefit of attending Crosstalk was hearing about the experiences of retailers and partners.  Here are are a few interesting facts I picked up: At Kohl's, the most popular website accessed by customers within their stores is Facebook.  With all the buzz about showrooming, I was really expecting it to be Amazon. Daphne, a Chinese shoe retailer, is opening 3 new stores per day.  Being located near the factories allows them to have a very agile supply chain as well. Disney Stores have increased sales by 25% at stores upgraded to include Mobile POS.  They continue to lead the pack with excellent customer experiences. Quicksilver reported that 1 in 5 visits to their website comes from a tablet.  More evidence that tablets are replacing traditional PCs in households. By tagging shoes with RFID, Saks is able to ensure all shoe models are on display.  If a model is not being displayed, it has no chance of being sold. Additionally, there were awards, store tours on Michigan Avenue, fireworks at Navy Pier, and the Oracle Retail house band, Bolo313, performing at Solider Field.  Speaking of which, a few retailers got on stage and jammed with band -- possible rival to Rock & Roll Retail? You can always find the latest info from us at the Retail Rack. The next events on tap are the Partner Summit followed by OpenWorld.

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  • Excellent Windows Azure benchmarks

    - by Sarang
    The Extreme computing group has released a fairly comprehensive set of benchmarks  for almost all aspects of WA. They have also provided the source code to alleviate all doubts that may surface with the MSFT logo lurking around the top right of their homepage :) (Which also resides at a cloudapp.net url). The code is simple and the tests comprehensive enough to hold as data points for customer interactions. Add to it the clean no nonsense Silverlight charts to render the benchmarks and you are set to sell. Technorati Tags: Azure,Benchmark,Extreme Computing Group

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  • Transfer websites and domains to new server

    - by Albert
    We have currently around 40 websites and 80+ domains/sub-domains in a shared 1&1 hosting package, and we just acquired a managed dedicated server with 1&1 as well. Now it's time to start transferring everything over to the new server. Transferring just the websites and databases wouldn't be a problem, it would take time but it's pretty straight forward. The problem comes when transferring the domains, let me explain why. Many of the websites we have are accessible via sub-domains of a parent domain. Ideally, we would like to transfer the sites one by one, in order to check for each one that everything works fine in the new server. However, since we also need to transfer the domain so it's managed in the new server, once we do that means that all the websites using that domain need to be already in the new server before transferring that domain, thus not allowing the "one by one" philosophy. Another issue is the downtime when transferring the domain, from the moment it stops working in the hosting package and becomes active in the new server. I believe there's nothing we can do here. So my question is if there's any way we can do the "one by one" transferring of the websites (and their corresponding sub-domains) in the circumstances described above. One idea I had would be: 1. Let's say we have website A, which is accessible using subdomain.mydomain.com (and there are many other websites accessible via other sub-domains of mydomain.com) 2. Transfer the files of website A to the new server 3. Point a test domain in the new server to the website A's folder (the new server comes with a "test" domain) 4. Test if website A works with that "test" domain 5. In the old hosting, somehow point the real sub-domain (subdomain.mydomain.com) to the new location of website A, in a way that user always see the same URL as always 6. Repeat 2-5 for every website belonging to the same domain 7. Once all are working in the new server, do the actual transfer of the domain to the new server, and then re-create all the sub-domains and point them to their corresponding website That way, users wouldn't notice that there's been a change (except for a small down time of the websites when doing the domain transfer). The part I'm not sure about is point 5 of the above. Is there any way to do that? I mean do it in a way that users see the original domain all the time in their browser, even for internal pages (so not only for the "home page", which would be sub-domain.mydomain.com, but also for example for the contact page, which would be sub-domain.mydomain.com/contact.php). Is there any way to do this? Or are we SOL and we're going to have to transfer all at the same time?

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  • Oracle 5th Annual Maintenance Summit - Orlando March 22-23, 2011

    - by stephen.slade(at)oracle.com
    It's not too late to register today or tomorrow for this exclusive 'Maintenance Professionals Only" event.  In 4 tracks, 27 customer and partner speakers will present case studies and success stories in these 'no-sell zone' sessions. The take-aways will be worth attending!This "2 in 1" event combines a Customer Showcase featuring Orlando Utilities Commission (OUC) and Maintenance Summit.  OUC - the local municipal utility providing residential, commercial, and industrial customers with clean, reliable, and affordable electric and water services - will open the event with their CIO as keynote speaker, and host tours of their fleet, facility, and power generation operations. Recognized as a green leader, OUC has been the most reliable power provider in Florida the past 9 years due, in large part, to the operational efficiencies of its plant and asset maintenance systems. This Summit will feature breakout session tracks for EBS, JD Edwards, PeopleSoft and Sustainability. Highlights include over 12 Oracle solution demo stations, over 25 interactive breakout sessions, pool-side networking reception with live band, partner exhibit pavilion and special appearance by Sean D. Tucker, Team Oracle Stunt-Pilot!  Dates:                   March 22-23, 2011 Location:             Orlando World Center Marriott, Orlando, Florida Evite:                     http://www.oracle.com/us/dm/h2fy11/65971-nafm10019768mpp191c003-oem-304204.html Highlights:          Keynotes, Oracle Expert Demo Stations, Interactive Breakout Sessions, Networking Reception, Partner Pavilion, Speakers Tracks:                 EBS, JDE, PSFT, Sustainability Tours:                  Orlando Utility Operations, Fleet and Facility Oracle Demo Stations:  Agile, AutoVue, Primavera, MOC/SSDM, Utilities, PIM, PDQ, UCM, On Demand, Business Accelerators, Facilities Work Management, EBS Enterprise Asset Management, PeopleSoft Maintenance Management, Technology, Hardware/Sun. Partner-Sponsors:   Viziya, Global PTM, MiPro, Asset Management Solutions, Venutureforth, Impac Services, EAM Master, LLC, Meridium

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  • As a programmer, should I know low and high-level programming languages?

    - by job
    I been contacted to do some work remote controlling LEDs displays over TCP/IP, but my experience and preparation is mostly about high-level programming language. I said that to the person who contact me about the work and he told me that: "if you call yourself a programmer you should know all these things" Should a programmer really know the details of low-level programming? Or can I treat it as a black box concept, as theoretical knowledge but not necessarily doing it or implementing low level language solutions, having in mind that low-level programming is not my expertise?

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  • Web CRM Software for Sales People

    Customer Relationship Management software or CRM is an application specifically designed to help a company in managing complete data related to its customers, from advertising to initial lead, sale a... [Author: James Wong - Computers and Internet - April 29, 2010]

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  • Talend vs. SSIS: A Simple Performance Comparison

    With all of the ETL tools in the marketplace, which one is best? Jeff Singleton brings us simple performance comparison pitting SSIS against open source powerhouse Talend. Optimize SQL Server performance“With SQL Monitor, we can be proactive in our optimization process, instead of waiting until a customer reports a problem,” John Trumbul, Sr. Software Engineer. Optimize your servers with a free trial.

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  • What's your advise on a potential legal suit? [closed]

    - by ohho
    I [xxx app developer] received an email from Apple that a developer [of yyy app] believes I am "infringing their copyright." Description of Issue: [xxx developer] copied my application (my application is [yyy]) feature by feature. Even their donation model is completely copied from my application. Their first release was significantly later than mine, which implies copying of the application rather than parallel development. I suffered significant financial losses because of their actions, in additional to promotion problems as many people are confused with their product. My advertising was based around the idea of a "free [yyy] application for an iPhone" and they have just taken that as a title for their application. I would appreciate if someone takes a look at their release schedule and compare it to my releases. Additionally, please take a look at their functionality and how it point by point copies the functionality of my older releases. I am asking Apple to remove their application from the App Store, and ban them from resubmitting it. Thank you for your time! [yyy developer], the developer of the [yyy] application. My response was: The code of [xxx] is written by myself, using Apple public API. The graphics elements are designed by myself. The user interface and app control are independently designed and different from other [similar type] apps (please judge yourself). In-app Purchase is iOS Apple standard API. iAd is Apple iOS standard API. I don't think features can be owned exclusively. In fact, my app comes with fewer features, as I prefer minimalist design. I don't think idea can be owned exclusively. Apple responded: Thank you for your response. Unfortunately, Apple cannot serve as arbiter for disputes among third parties. Please contact [yyy developer] directly regarding your actions. You can reach [yyy developer] through: [...]. We look forward to confirmation from both parties that this issue has been resolved. If this issue is not resolved shortly, Apple may be forced to pull your application(s) from the App Store. Then I sent my response above to [yyy developer]. [yyy developer] then asked me "to provide (my) legal address and contact details that (his) lawyer requires to file a copyright infringement suit." IMO, I don't think the [yyy developer]'s claim on "feature by feature" copy is valid. I have fewer features, completely different user interface design. However, I don't think I can afford a legal action for an app of so little financial return. So what's your advise on this? Should I just let Apple pull my app? Or is there any alternative I can consider? FYI ... UI of [xxx app]: and UI of [yyy app]:

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  • The role of the Infrastructure DBA

    - by GavinPayneUK
    Do you have someone performing an Infrastructure DBA role within your organisation? Do you realise why today you now might need one? When I first started working with SQL Server there were three distinct roles in the SQL Server virtual team: developer , DBA and sysadmin . In my simple terms, the developer looked after the “code”: the schema, stored procedures, and any ETL to get data in, out or updated within the database. They could talk in business entity terms about Customer numbers, Product codes...(read more)

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  • Java Cloud and Developer Service

    - by JuergenKress
    At our WebLogic Community Workspace (WebLogic Community membership required) you can find the latest Java and Developer Cloud presentations and demos: General+Session-+Building+and+Managing+a+Private+Oracle+Java Experiences-building-JavaEE-based-PaaS-Platform_Compressed.ppt Oracle Enterprise Manager 12c Cloud Control Demo.zip WebLogic Partner Community For regular information become a member in the WebLogic Partner Community please visit: http://www.oracle.com/partners/goto/wls-emea ( OPN account required). If you need support with your account please contact the Oracle Partner Business Center. BlogTwitterLinkedInMixForumWiki Technorati Tags: Oracle cloud,Cloud,Java Cloud,Oracle developer cloud,Java as a service,Oracle PAAS,WebLogic Community,Oracle,OPN,Jürgen Kress

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  • CVE-2010-1634 Integer Overflow vulnerability in Python

    - by chandan
    CVE DescriptionCVSSv2 Base ScoreComponentProduct and Resolution CVE-2010-1634 Integer Overflow vulnerability 5.0 Python Solaris 10 SPARC: 143506-03 X86: 143507-03 Solaris 11 Contact Support This notification describes vulnerabilities fixed in third-party components that are included in Sun's product distribution.Information about vulnerabilities affecting Oracle Sun products can be found on Oracle Critical Patch Updates and Security Alerts page.

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  • sell ccv good and fresh sell cvv all country fullz info

    - by underworld
    ICQ: 640240418 YH: underworld_cvv Mail: [email protected] WELCOME TO MY UNDERWORLD ! I'm is Professional seller,more than 5 years experience,i started work in 2008,i have sold cvv credit card to many customers all over the world. Selling cvv, fullz many country as: Canada,USA,Australia,UK...all And many country in Europe: Fr,Ger,Spain,Ita... I hope we will work together for a long time. Always sell cvv quality with high balance. I have a website but if you want buy cvv good price please contact me. Have Cvv with Bin or Cvv with DOB,VBV if customer claim. List Price Some Cvv (good price for good buyer) -Us: 5$ /1 -Us VBV-DOB : 8$ /1 -Us fullz : 40$ /1 -Us (amex,discover) : 8$ /1 -Ca : 10$ /1 -Ca DOB : 20$ /1 -Ca fullz : 50$ /1 -Ca with bin : 15$ /1 -Au : 10$ /1 -Au DOB : 20$ /1 -Uk : 10$ /1 -Uk DOB-VBV : 20$ /1 -Fr : 15$ /1 -Fr DOB-VBV : 25$ /1 -Ger : 18$ /1 -Ger with DOB : 25$ /1 -Spain : 15$ /1 -Spain Fullz : 40$ /1 -Ita : 15$ /1 -Ita with DOB : 25$ /1 -Japan : 15$ /1 -Japan with DOB : 25$ /1 Cvv random country -Denmark : 25$ /1 -Sweden : 20$ /1 -Switzerland : 20$ /1 -Slovakia : 20$ /1 -Netherlands : 18$ /1 -Mexico : 15 /1 -Middle East : 18$ /1 -New zeland : 18$ /1 -Asia : 15$ /1 -Ireland : 18$ /1 -Belgium : 15$ /1 -Taiwan : 15$ /1 -UAE : 20$ /1 And many country... Some Bins -Us bins: 517805,488893,492536,408181,542432,482880,374355,374372... -Ca bins: 450003,450008,451242,450060,549198,533833,519123,544612... -Uk bins: 4547,5506,5569,5404,5031,4921,5505,5506,4921,4550... -Ger bins: 492942,490762,530127... -Au bins: 543568,450605,494053,450606,456475,521893,519163... -Fr bins: 497847,497831,497841,497849,497820,497825,497833... -And others bins for others country... Format France fullz Nom : di murro Prenom : mariano Adresse : rue des caillettes Ville : Corbeil Essonnes Code Postale : 91100 Telephone : 33672492372 ========== (2eme Tape) ========== Nom de Bank : crédit agricole Nom de Carte Bancaire : di murro mariano Date de naissance : 12 / 02 / 1969 Type de carte : MasterCard Numero de carte : 5131018223855xxx Numero de compte : Date d'expiration : 10 / 2014 CVN : 336 -WARRANTY time is 12 HOURS. Any cvv purchase over 12 hours can not warranty. -If you buy over 30 cvvs, i will sell for you best price. -I will discount for you if you are reseller or you order everyday many on the next day. -I only accept payment money by PerfectMoney (PM) Western Union (WU) and MoneyGram. -I will prove to you that I am the best sellers. And make sure you will enjoy doing business with me. Contact: ICQ: 640240418 YH: underworld_cvv Mail: [email protected]

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  • SMART Technologies E-Business Suite Release 12 Success

    Get smart about E-Business Suite Release 12 implementation with this customer success story. Hear Mike Battistel, VP Information Systems – SMART Technologies, discuss why they selected E-Business Suite Release 12, the implementation process, what benefits they have gained and lessons learned along the way. SMART Technologies is both the industry pioneer and market-segment leader in easy-to-use interactive whiteboards and other group collaboration tools.

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  • Is Financial Inclusion an Obligation or an Opportunity for Banks?

    - by tushar.chitra
    Why should banks care about financial inclusion? First, the statistics, I think this will set the tone for this blog post. There are close to 2.5 billion people who are excluded from the banking stream and out of this, 2.2 billion people are from the continents of Africa, Latin America and Asia (McKinsey on Society: Global Financial Inclusion). However, this is not just a third-world phenomenon. According to Federal Deposit Insurance Corp (FDIC), in the US, post 2008 financial crisis, one family out of five has either opted out of the banking system or has been moved out (American Banker). Moving this huge unbanked population into mainstream banking is both an opportunity and a challenge for banks. An obvious opportunity is the significant untapped customer base that banks can target, so is the positive brand equity a bank can build by fulfilling its social responsibilities. Also, as banks target the cost-conscious unbanked customer, they will be forced to look at ways to offer cost-effective products and services, necessitating technology upgrades and innovations. However, cost is not the only hurdle in increasing the adoption of banking services. The potential users need to be convinced of the benefits of banking and banks will also face stiff competition from unorganized players. Finally, the banks will have to believe in the viability of this business opportunity, and not treat financial inclusion as an obligation. In what ways can banks target the unbanked For financial inclusion to be a success, banks should adopt innovative business models to develop products that address the stated and unstated needs of the unbanked population and also design delivery channels that are cost effective and viable in the long run. Through business correspondents and facilitators In rural and remote areas, one of the major hurdles in increasing banking penetration is connectivity and accessibility to banking services, which makes last mile inclusion a daunting challenge. To address this, banks can avail the services of business correspondents or facilitators. This model allows banks to establish greater connectivity through a trusted and reliable intermediary. In India, for instance, banks can leverage the local Kirana stores (the mom & pop stores) to service rural and remote areas. With a supportive nudge from the central bank, the commercial banks can enlist these shop owners as business correspondents to increase their reach. Since these neighborhood stores are acquainted with the local population, they can help banks manage the KYC norms, besides serving as a conduit for remittance. Banks also have an opportunity over a period of time to cross-sell other financial products such as micro insurance, mutual funds and pension products through these correspondents. To exercise greater operational control over the business correspondents, banks can also adopt a combination of branch and business correspondent models to deliver financial inclusion. Through mobile devices According to a 2012 world bank report on financial inclusion, out of a world population of 7 billion, over 5 billion or 70% have mobile phones and only 2 billion or 30% have a bank account. What this means for banks is that there is scope for them to leverage this phenomenal growth in mobile usage to serve the unbanked population. Banks can use mobile technology to service the basic banking requirements of their customers with no frills accounts, effectively bringing down the cost per transaction. As I had discussed in my earlier post on mobile payments, though non-traditional players have taken the lead in P2P mobile payments, banks still hold an edge in terms of infrastructure and reliability. Through crowd-funding According to the Crowdfunding Industry Report by Massolution, the global crowdfunding industry raised $2.7 billion in 2012, and is projected to grow to $5.1 billion in 2013. With credit policies becoming tighter and banks becoming more circumspect in terms of loan disbursals, crowdfunding has emerged as an alternative channel for lending. Typically, these initiatives target the unbanked population by offering small loans that are unviable for larger banks. Though a significant proportion of crowdfunding initiatives globally are run by non-banking institutions, banks are also venturing into this space. The next step towards inclusive finance Banks by themselves cannot make financial inclusion a success. There is a need for a whole ecosystem that is supportive of this mission. The policy makers, that include the regulators and government bodies, must be in sync, the IT solution providers must put on their thinking caps to come out with innovative products and solutions, communication channels such as internet and mobile need to expand their reach, and the media and the public need to play an active part. The other challenge for financial inclusion is from the banks themselves. While it is true that financial inclusion will unleash a hitherto hugely untapped market, the normal banking model may be found wanting because of issues such as flexibility, convenience and reliability. The business will be viable only when there is a focus on increasing the usage of existing infrastructure and that is possible when the banks can offer the entire range of products and services to the large number of users of essential banking services. Apart from these challenges, banks will also have to quickly master and replicate the business model to extend their reach to the remotest regions in their respective geographies. They will need to ensure that the transactions deliver a viable business benefit to the bank. For tapping cross-sell opportunities, banks will have to quickly roll-out customized and segment-specific products. The bank staff should be brought in sync with the business plan by convincing them of the viability of the business model and the need for a business correspondent delivery model. Banks, in collaboration with the government and NGOs, will have to run an extensive financial literacy program to educate the unbanked about the benefits of banking. Finally, with the growing importance of retail banking and with many unconventional players eyeing the opportunity in payments and other lucrative areas of banking, banks need to understand the importance of micro and small branches. These micro and small branches can help banks increase their presence without a huge cost burden, provide bankers an opportunity to cross sell micro products and offer a window of opportunity for the large non-banked population to transact without any interference from intermediaries. These branches can also help diminish the role of the unorganized financial sector, such as local moneylenders and unregistered credit societies. This will also help banks build a brand awareness and loyalty among the users, which by itself has a cascading effect on the business operations, especially among the rural and un-banked centers. In conclusion, with the increasingly competitive banking sector facing frequent slowdowns and downturns, the unbanked population presents a huge opportunity for banks to enhance their customer base and fulfill their social responsibility.

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