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  • SyncToBlog #12 Windows Azure and Cloud Links

    - by Eric Nelson
    Some more “syncing to paper” :) Steve Marx wrote a very interesting article about using Hosted Web Core in an Azure Worker Role. Hosted Web Core is a new feature in IIS 7 that enables developers to create applications that load the core IIS functionality. Wade Wegner is a new Technical Evangelist for Windows Azure platform AppFabric Example from Wade (and how I found him) Host WCF Services in IIS with Service Bus Endpoints Google and vmware “get engaged” over cloud http://googlecode.blogspot.com/2010/05/enabling-cloud-portability-with-google.html A new cloud comparison site – slick but limited coverage (it is not at Azure level, rather BPOS level) www.cloudhypermarket.com  The Rise of NoSQL Database (devx free registration required) Moe Khosravy talks about Codename "Dallas"  to my colleague David G (14min video) New videos Calculating the cost of Azure and Calculating the cost of SQL Azure Related Links: Previous SyncToBlog posts My delicious bookmarks

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  • Tom Kyte Webcast on Oracle Maximum Availability Architecture Best Practices - Thursday, April 12 @ 10:00 AM PDT

    - by jgelhaus
    Date: Thursday, April 12, 2012 Time: 10:00 AM PDT Update Your Knowledge with Oracle Expert Tom Kyte Data is one of the most critical assets of any organization with many operations depending on having complete and accurate data available 24/7. By implementing Oracle’s Maximum Availability Architecture (MAA), organizations can minimize the cost and risk associated with downtime. Oracle’s MAA best practices extend beyond Oracle Database to span a broad range of products, including Oracle Exadata and Oracle Database Appliance. Join Oracle expert Tom Kyte for this Live Webcast to learn how to: Protect your systems from planned and unplanned downtime Achieve the highest quality of service at the lowest cost Eliminate idle redundancy in the data center Register today and ask Tom your questions around availability best practices.

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  • HTG Explains: Why is Printer Ink So Expensive?

    - by Chris Hoffman
    Printer ink is expensive, more expensive per drop than fine champagne or even human blood. If you haven’t gone paperless, you’ll notice that you’re paying a lot for new ink cartridges — more than seems reasonable. Purchasing the cheapest inkjet printer and buying official ink cartridge replacements is the most expensive thing you can do. There are ways to save money on ink if you must continue to print documents. Cheap Printers, Expensive Ink Ink jet printers are often very cheap. That’s because they’re sold at cost, or even at a loss — the manufacturer either makes no profit from the printer itself or loses money. The manufacturer will make most of its money from the printer cartridges you buy later. Even if the company does make a bit of money from each printer sold, it makes a much larger profit margin on ink. Rather than selling you a printer that may be rather expensive, they want to sell you a cheap printer and make money on an ongoing basis by providing expensive printer ink. It’s been compared to the razor model — sell a razor cheaply and mark up the razor blades. Rather than making a one-time profit on the razor, you’ll make continuing profit as the customer keeps buying razor blade replacements — or ink, in this case. Many printer manufacturers go out of their way to make it difficult for you to use unofficial ink cartridges, building microchips into their official ink cartridges. If you use an unofficial cartridge or refill an official cartridge, the printer may refuse to use it. Lexmark once argued in court that unofficial microchips that enable third-party ink cartridges would violate their copyright and Lexmark has argued that creating an unofficial microchip to bypass this restriction on third-party ink would violate Lexmark’s copyright and be illegal under the US DMCA. Luckily, they lost this argument. What Printer Companies Say Printer companies have put forth their own arguments in the past, attempting to justify the high cost of official ink cartridges and microchips that block any competition. In a Computer World story from 2010, HP argued that they spend a billion dollars each year on “ink research and development.” They point out that printer ink “must be formulated to withstand heating to 300 degrees, vaporization, and being squirted at 30 miles per hour, at a rate of 36,000 drops per second, through a nozzle one third the size of a human hair. After all that it must dry almost instantly on the paper.” They also argue that printers have become more efficient and use less ink to print, while third-party cartridges are less reliable. Companies that use microchips in their ink cartridges argue that only the microchip has the ability to enforce an expiration date, preventing consumers from using old ink cartridges. There’s something to all these arguments, sure — but they don’t seem to justify the sky-high cost of printer ink or the restriction on using third-party or refilled cartridges. Saving Money on Printing Ultimately, the price of something is what people are willing to pay and printer companies have found that most consumers are willing to pay this much for ink cartridge replacements. Try not to fall for it: Don’t buy the cheapest inkjet printer. Consider your needs when buying a printer and do some research. You’ll save more money in the long run. Consider these basic tips to save money on printing: Buy Refilled Cartridges: Refilled cartridges from third parties are generally much cheaper. Printer companies warn us away from these, but they often work very well. Refill Your Own Cartridges: You can get do-it-yourself kits for refilling your own printer ink cartridges, but this can be messy. Your printer may refuse to accept a refilled cartridge if the cartridge contains a microchip. Switch to a Laser Printer: Laser printers use toner, not ink cartridges. If you print a lot of black and white documents, a laser printer can be cheaper. Buy XL Cartridges: If you are buying official printer ink cartridges, spend more money each time. The cheapest ink cartridges won’t contain much ink at all, while larger “XL” ink cartridges will contain much more ink for only a bit more money. It’s often cheaper to buy in bulk. Avoid Printers With Tri-Color Ink Cartridges: If you’re printing color documents, you’ll want to get a printer that uses separate ink cartridges for all its colors. For example, let’s say your printer has a “Color” cartridge that contains blue, green, and red ink. If you print a lot of blue documents and use up all your blue ink, the Color cartridge will refuse to function — now all you can do is throw away your cartridge and buy a new one, even if the green and red ink chambers are full. If you had a printer with separate color cartridges, you’d just have to replace the blue cartridge. If you’ll be buying official ink cartridges, be sure to compare the cost of cartridges when buying a printer. The cheapest printer may be more expensive in the long run. Of course, you’ll save the most money if you stop printing entirely and go paperless, keeping digital copies of your documents instead of paper ones. Image Credit: Cliva Darra on Flickr     

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  • July 17th Live Webcast with Oracle's Tom Kyte

    - by jgelhaus
    Webcast: Oracle Maximum Availability Architecture Best Practices Date: Tuesday, July 17, 2012 Time: 10 a.m. PT/1 p.m. ET Update Your Knowledge with Oracle Expert Tom Kyte With Oracle’s Maximum Availability Architecture (MAA), organizations can minimize the cost and risk associated with downtime. Oracle’s MAA best practices extend beyond Oracle Database to span a broad range of products, including Oracle Exadata and Oracle Database Appliance. Join Oracle expert Tom Kyte for this interactive Webcast to learn how to: Protect your systems from planned and unplanned downtime Achieve the highest quality of service at the lowest cost Eliminate idle redundancy in the data center Register today and ask Tom your questions around availability best practices.

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  • Join us for Live Oracle Linux and Oracle VM Cloud Events in Europe

    - by Monica Kumar
    Join us for a series of live events and discover how Oracle VM and Oracle Linux offer an integrated and optimized infrastructure for quickly deploying a private cloud environment at lower cost. As one of the most widely deployed operating systems today, Oracle Linux delivers higher performance, better reliability, and stability, at a lower cost for your cloud environments. Oracle VM is an application-driven server virtualization solution fully integrated and certified with Oracle applications to deliver rapid application deployment and simplified management. With Oracle VM, you have peace of mind that the entire Oracle stack deployed is fully certified by Oracle. Register now for any of the upcoming events, and meet with Oracle experts to discuss how we can help in enabling your private cloud. Nov 20: Foundation for the Cloud: Oracle Linux and Oracle VM (Belgium) Nov 21: Oracle Linux & Oracle VM Enabling Private Cloud (Germany) Nov 28: Realize Substantial Savings and Increased Efficiency with Oracle Linux and Oracle VM (Luxembourg) Nov 29: Foundation for the Cloud: Oracle Linux and Oracle VM (Netherlands) Dec 5: MySQL Tech Tour, including Oracle Linux and Oracle VM (France) Hope to see you at one of these events!

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  • Friday Fun: Games that Look Like Productivity Apps

    - by Mysticgeek
    We’ve been showing you fun flash games to play during company time on a Friday afternoon. Hopefully while playing them, you haven’t received a “talking to”. Today we show you some cool games to play that look like productivity apps, so the boss will be none the wiser. The website cantyouseeimbusy.com has developed some very neat little games that look like productivity apps like Word and Excel. These apps look exactly like some project you would be working on, but are really neat little games. Here we take a look at three cool ones on the site called Breakdown, Leadership, and Cost Cutter. Leadership Leadership is a cool game that looks like something you would be working in Excel and is a spin off of the classic game Moon Lander. You navigate your ship through a variety of challenging line graphs. Breakdown This one is a knock off of the classic game Break Out. Use your mouse to scroll the racket at the bottom and bounce the ball off of the text in the document. Press the space bar to pause the game and the elements will disappear…good for when the boss comes around. Cost Cutter This one is a puzzle game where it looks like your working on some bar charts in Excel. You need to click combinations of two or more blocks that are the same color. Again, hit the spacebar and the game elements will disappear. If you’re looking for a way to goof off with some simple games without the boss knowing, these will definitely do the trick. Another cool game along these lines is Excit! which we covered previously. Play Cost Cutter, Breakdown, and Leadership at cantyouseeimbusy.com Similar Articles Productive Geek Tips Friday Fun: Get Your Mario OnFriday Fun: Bricks Breaking & Cube CrashFriday Fun: Fancy Pants AdventuresFriday Fun: GemCraft is a Totally Addictive Tower Defense GameFriday Fun: Five More Time Wasting Online Games TouchFreeze Alternative in AutoHotkey The Icy Undertow Desktop Windows Home Server – Backup to LAN The Clear & Clean Desktop Use This Bookmarklet to Easily Get Albums Use AutoHotkey to Assign a Hotkey to a Specific Window Latest Software Reviews Tinyhacker Random Tips Revo Uninstaller Pro Registry Mechanic 9 for Windows PC Tools Internet Security Suite 2010 PCmover Professional Download Microsoft Office Help tab The Growth of Citibank Quickly Switch between Tabs in IE Windows Media Player 12: Tweak Video & Sound with Playback Enhancements Own a cell phone, or does a cell phone own you? Make your Joomla & Drupal Sites Mobile with OSMOBI

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  • Version Control without CVS

    - by Lo Wai Lun
    My partners and I have been building an application that requires users to authenticate with password and user ID for member registration and transaction. Very often, tasks for designing UI, Datagrid view event trigger and data access using SQL are allocated to different person. Sometimes, there are different versions to be updated but the database structure used are different If everybody finishes their own part and submit the project on their own onto the shared cloud rivers, there must be a huge cost for software maintenance and re-engineering. How should the task to be submitted so as to minimize the cost for re-engineering without the software like winCVS and Tortoise HG?

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  • Cheap, Awesome, Programmer-friendly City in Europe for 1 year Study Hiatus?

    - by Gonjasufi
    Next year I'll be 21. I'll have 3 years of professional experience under my belt (with a one year break as a soldier). I'm planning to take 2 to 3 years off. Instead of going to a university I'm planning to work on personal projects and learn on my own. I'm looking for suggestions of great, cheap, programmer-friendly (e.g. lots of cafes, ordered food, parks, blazing fast internet connection, wifi, lots of people that speak English) cities around the world, (and specifically in Europe as I also have european citizenship). If you can supply with an estimate cost of living for that city, or a site for comparisons that will also be great. edit: I'm living in Tel Aviv, ~20 highest cost of living city in the world, so statistically speaking almost all the cities are cheaper.

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  • Protect Data and Save Money? Learn How Best-in-Class Organizations do Both

    - by roxana.bradescu
    Databases contain nearly two-thirds of the sensitive information that must be protected as part of any organization's overall approach to security, risk management, and compliance. Solutions for protecting data housed in databases vary from encrypting data at the application level to defense-in-depth protection of the database itself. So is there a difference? Absolutely! According to new research from the Aberdeen Group, Best-in-Class organizations experience fewer data breaches and audit deficiencies - at lower cost -- by deploying database security solutions. And the results are dramatic: Aberdeen found that organizations encrypting data within their databases achieved 30% fewer data breaches and 15% greater audit efficiency with 34% less total cost when compared to organizations encrypting data within applications. Join us for a live webcast with Derek Brink, Vice President and Research Fellow at the Aberdeen Group, next week to learn how your organization can become Best-in-Class.

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  • What are the options for hosting a small Plone site? [closed]

    - by Tina Russell
    Possible Duplicate: How to find web hosting that meets my requirements? I’ve developed a portfolio website for myself using Plone 4, and I’m looking for someplace to host it. Most Plone hosting services seem to focus on large, corporate deployments, but I need something that I can afford on a very limited budget and fits a small, single-admin website. My understanding is that my basic options are thus: I can go with a hosting service that specifically provides Plone. I know of WebFaction, but what others exist? Also, I’d have two stipulations for a Plone hosting service: (a) It needs to use Plone 4, for which I’ve developed my site, and (b) it needs to allow me SSH access to a home directory (including the Plone configuration), so that I may use my custom development eggs and such. I could use a VPS hosting service. What are my options here? Again, I need something cheap and scaled to my level. I could use Amazon EC2 or a similar service (please tell me of any) and pay by the tiniest unit of data. I’m a little scared of this because I have no idea how to do a cost-benefit analysis between this and a regular VPS host. The advantage of this approach would be that I only pay for what I use, making it very scalable, but I don’t know how the overall cost would compare to any VPS host under similar circumstances. What factors enter into the cost of Amazon EC2? What can I expect to pay under either option for regular traffic for a new website? Which one is more desirable for when a rush of visitors drive up my bandwidth bill? One last note: I know Plone isn’t common for websites for individuals, but please don’t try to talk me out of it here; that’s a completely different subject. For now, assume I’m sticking with Plone for good. Also, I have seen the Plone hosting services list on Plone.org—it’s twenty pages long, and the first page was nothing but professional Plone consulting services that sometimes offer hosting for business clients. So, that wasn’t much help. Thank you!

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  • Exposing an MVC Application Through SharePoint

    - by Damon
    Below you will find my presentation slides and demo files for my SharePoint TechFest 2010 presentation on Exposing an MVC Application through SharePoint.  One of the points I forgot to mention goes back to the performance and licensing benefits of this approach.  If you have a SharePoint box that is completely slammed, you can put the MVC application on a separate web server and essentially offload the application processing to another server.  In terms of licensing, you can leave SharePoint off that new server and just access SharePoint data via web services from the box.  This makes it a lot cheaper if you have MOSS - but if you're just running WSS then it may not have as many cost benefits.  Remember, programming against the web services is not always the easiest thing, so you have to weight the cost/benefit ratio when making such a determination.

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  • Partner Webcast – More out of ODA with DB Options - 19 July 2012

    - by Thanos
    The Simple, Reliable, Affordable Path to High-Availability Databases Critical business data needs to be available 24/7 for users and customers, but it can be a struggle to find the time and resources to build a highly available database system that’s reliable and affordable. That’s why Oracle created the new Oracle Database Appliance—a complete package of software, server, storage, and networking. The Oracle Database Appliance integrates the world’s most popular database - Oracle Database 11g  - with system software, servers, storage and networking in a single box. Business gets the benefit of a reliable, secure and highly available database to support applications and maintain continuity – as well as groundbreaking ease of use. But that is not all, with the support for all Oracle Database Options, Oracle Database Appliance can be the ideal solution for many use cases. The benefits?   Unmatched performance, reliability & security for your data that’s there when you need it – which is all the time. Fast installation, simple deployment, easy management. Out of the box. Significant cost savings & reduced risk and complexity compared to integrating all the elements yourself. Ongoing lower total cost of ownership with multiple automated support, detection & correction functions that also save you time.   Discover the Oracle Database Appliance Value Proposition and learn how to position and combine it with database options to capture new business and easily roll out solutions safely and with maximum cost efficiency. Agenda: Oracle Database& Engineered Systems Innovation. What’s the Oracle Database Appliance ? Oracle Database Appliance Value Proposition. Oracle Database Appliance with Database Options Oracle Database Appliance Partners Business Delivery Format This FREE online LIVE eSeminar will be delivered over the Web. Registrations received less than 24hours prior to start time may not receive confirmation to attend. Duration: 1 hour Register Now! For any questions please contact us at partner.imc-AT-beehiveonline.oracle-DOT-com Visit regularly our ISV Migration Center blog Or Follow us @oracleimc to learn more on Oracle Technologies as well as upcoming partner webcasts and events.

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  • IDC Analyst Report Touts Oracle–Accenture Strategic Initiative

    - by kristin.jellison
    Hi there, partners! Oracle Engineered Systems have been getting some love lately, and we want to share it with you! The market intelligence and advisory firm IDC recently released a report lauding Oracle and Accenture’s strategic initiative to route the performance and flexibility of Oracle Engineered Systems to clients. The report, "Oracle and Accenture Strategic Alliance Places Big Bet on Engineered Systems,” by Steve White, reflects a largely positive analysis of the relationship. White notes that the alliance is “one of the largest in the industry.” Under the relationship, Accenture has incorporated Oracle Engineered Systems—including Oracle Exadata Database Machine, Oracle Exalogic Elastic Cloud, Oracle SuperCluster, and Oracle Exalytics In-Memory Machine—into its leading datacenter transformation consulting services. Together, the two companies have also created bespoke platforms, such as the Accenture Foundation Platform for Oracle, which helps clients accelerate deployments on Oracle Fusion Middleware, running Oracle Exalogic Elastic Cloud and Oracle Exadata Database Machine. Oracle Engineered Systems deliver a single, engineered platform—including server to storage and networking. This makes it easier and cheaper for Accenture clients around the world to prepare their datacenters for managing, processing and analyzing the massive amounts of data they (rightly) anticipate seeing in the next decade. The new solutions can help reduce the effort and cost to migrate any vendor database to an Oracle Engineered Systems platform, which can lower the cost of ownership by up to 50 percent. For its part, Accenture has built a team of 300 consultants to implement and increase the flexibility and stability of client datacenters. This move further expands one of the fastest-growing full-service Oracle Enterprise solutions. Over 52,000 Accenture consultants are qualified to implement, upgrade and outsource the Oracle product suite. Accenture is a Diamond-level member of Oracle PartnerNetwork (OPN). For Oracle Partners, this update should give you at least two things to walk away with. First, this initiative is showing signs of success. As Marty Cole, group chief executive for Accenture’s Technology growth platform, put it, “We are seeing an increasing number of clients recognizing the value of consolidating their databases and taking advantage of the cost and performance benefits delivered by these solutions.” The pipeline is there—and not just for Accenture. Use this example to show your clients that investments in Oracle Engineered Systems are on the rise. Second, recognize that Oracle Engineered Systems represent one of the biggest platforms for growth that Oracle has to offer partners. As part of the agreement, Accenture is able to provide: Platform Readiness Assessments Platform Implementation App Rationalization Database Rationalization Managed Services These are all enablement opportunities you can offer customers under Oracle’s partner programs —to continue building the value of their investments, and the value of your relationship with Oracle. Take a read through the IDC report. To learn more about the partnership, see this press release. Happy selling! The OPN Communications Team

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  • MySQL Connect 9 Days Away – Optimizer Sessions

    - by Bertrand Matthelié
    72 1024x768 Normal 0 false false false EN-US X-NONE X-NONE /* 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:0cm 5.4pt 0cm 5.4pt; mso-para-margin:0cm; mso-para-margin-bottom:.0001pt; 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-fareast-font-family:"Times New Roman"; mso-fareast-theme-font:minor-fareast; mso-hansi-font-family:Calibri; mso-hansi-theme-font:minor-latin; mso-bidi-font-family:"Times New Roman"; mso-bidi-theme-font:minor-bidi;} Following my previous blog post focusing on InnoDB talks at MySQL Connect, let us review today the sessions focusing on the MySQL Optimizer: Saturday, 11.30 am, Room Golden Gate 6: MySQL Optimizer Overview—Olav Sanstå, Oracle The goal of MySQL optimizer is to take a SQL query as input and produce an optimal execution plan for the query. This session presents an overview of the main phases of the MySQL optimizer and the primary optimizations done to the query. These optimizations are based on a combination of logical transformations and cost-based decisions. Examples of optimization strategies the presentation covers are the main query transformations, the join optimizer, the data access selection strategies, and the range optimizer. For the cost-based optimizations, an overview of the cost model and the data used for doing the cost estimations is included. Saturday, 1.00 pm, Room Golden Gate 6: Overview of New Optimizer Features in MySQL 5.6—Manyi Lu, Oracle Many optimizer features have been added into MySQL 5.6. This session provides an introduction to these great features. Multirange read, index condition pushdown, and batched key access will yield huge performance improvements on large data volumes. Structured explain, explain for update/delete/insert, and optimizer tracing will help users analyze and speed up queries. And last but not least, the session covers subquery optimizations in Release 5.6. Saturday, 7.00 pm, Room Golden Gate 4: BoF: Query Optimizations: What Is New and What Is Coming? This BoF presents common techniques for query optimization, covers what is new in MySQL 5.6, and provides a discussion forum in which attendees can tell the MySQL optimizer team which optimizations they would like to see in the future. Sunday, 1.15 pm, Room Golden Gate 8: Query Performance Comparison of MySQL 5.5 and MySQL 5.6—Øystein Grøvlen, Oracle MySQL Release 5.6 contains several improvements in the query optimizer that create improved performance for complex queries. This presentation looks at how MySQL 5.6 improves the performance of many of the queries in the DBT-3 benchmark. Based on the observed improvements, the presentation discusses what makes the specific queries perform better in Release 5.6. It describes the relevant new optimization techniques and gives examples of the types of queries that will benefit from these techniques. Sunday, 4.15 pm, Room Golden Gate 4: Powerful EXPLAIN in MySQL 5.6—Evgeny Potemkin, Oracle The EXPLAIN command of MySQL has long been a very useful tool for understanding how MySQL will execute a query. Release 5.6 of the MySQL database offers several new additions that give more-detailed information about the query plan and make it easier to understand at the same time. This presentation gives an overview of new EXPLAIN features: structured EXPLAIN in JSON format, EXPLAIN for INSERT/UPDATE/DELETE, and optimizer tracing. Examples in the session give insights into how you can take advantage of the new features. They show how these features supplement and relate to each other and to classical EXPLAIN and how and why the MySQL server chooses a particular query plan. You can check out the full program here as well as in the September edition of the MySQL newsletter. Not registered yet? You can still save US$ 300 over the on-site fee – Register Now!

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  • Purchasing Visual Studio 2010 Ultimate and Professional version

    - by Don
    We are a small team with 5-7 developers. We are planning to purchase Visual Studio 2010, better with one or two Ultimate version, others with professional version. The suggestion from Microsoft is getting it from retail. We find we can get them from http://msdn.microsoft.com/en-us/subscriptions/buy.aspx or http://www.amazon.com/Visual-Studio-2010-Ultimate-MSDN/dp/B0038KNER0/ref=sr_1_fkmr3_2?ie=UTF8&qid=1296675635&sr=8-2-fkmr3. From Amazon, it will be lower cost. We wonder if we buy from Microsft directly we can get additional benefits like supports, which other retailers can not provide. Anyone has any ideas? What is the cost effient way? Thanks,

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  • In the Cloud, Everything Costs Money

    - by BuckWoody
    I’ve been teaching my daughter about budgeting. I’ve explained that most of the time the money coming in is from only one or two sources – and you can only change that from time to time. The money going out, however, is to many locations, and it changes all the time. She’s made a simple debits and credits spreadsheet, and I’m having her research each part of the budget. Her eyes grow wide when she finds out everything has a cost – the house, gas for the lawnmower, dishes, water for showers, food, electricity to run the fridge, a new fridge when that one breaks, everything has a cost. She asked me “how do you pay for all this?” It’s a sentiment many adults have looking at their own budgets – and one reason that some folks don’t even make a budget. It’s hard to face up to the realities of how much it costs to do what we want to do. When we design a computing solution, it’s interesting to set up a similar budget, because we don’t always consider all of the costs associated with it. I’ve seen design sessions where the new software or servers are considered, but the “sunk” costs of personnel, networking, maintenance, increased storage, new sizes for backups and offsite storage and so on are not added in. They are already on premises, so they are assumed to be paid for already. When you move to a distributed architecture, you'll see more costs directly reflected. Store something, pay for that storage. If the system is deployed and no one is using it, you’re still paying for it. As you watch those costs rise, you might be tempted to think that a distributed architecture costs more than an on-premises one. And you might be right – for some solutions. I’ve worked with a few clients where moving to a distributed architecture doesn’t make financial sense – so we didn’t implement it. I still designed the system in a distributed fashion, however, so that when it does make sense there isn’t much re-architecting to do. In other cases, however, if you consider all of the on-premises costs and compare those accurately to operating a system in the cloud, the distributed system is much cheaper. Again, I never recommend that you take a “here-or-there-only” mentality – I think a hybrid distributed system is usually best – but each solution is different. There simply is no “one size fits all” to architecting a solution. As you design your solution, cost out each element. You might find that using a hybrid approach saves you money in one design and not in another. It’s a brave new world indeed. So yes, in the cloud, everything costs money. But an on-premises solution also costs money – it’s just that “dad” (the company) is paying for it and we don’t always see it. When we go out on our own in the cloud, we need to ensure that we consider all of the costs.

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  • Process Centric Banking: Loan Origination Solution

    - by Manish Palaparthy
    There is an old proverb that goes, "The difference between theory and practice is greater in practice than in theory". So, we keep doing numerous "Proof of Concepts" with our own products on various business cases to analyze them deeply, understand and explain to our customers. We then present our learnings as they happened. The awareness of each PoC should help readers increase the trustworthiness of the results coming out of these PoCs. I present one such PoC where we invested a lot of time&effort.  Process Centric Banking : Loan Origination Solution Loan Origination is a process by which a borrower applies for a new loan and the lender processes that application. Loan origination includes the series of steps taken by the bank from the point the customer shows interest in a loan product all the way to disbursal of funds. The Loan Origination process is relevant for many kind of lenders in Financial services: Banks, Credit Unions, NBFCs(Non Banking Financial Companies) and so on. For simplicity sake, I will use "Bank" as the lending institution in the rest of my article.  Loan Origination is one of the core processes for Banks as it is the process by which the it creates assets against which the Institution earns most of its profits from. A well tuned loan origination process can affect the Bank in many positive ways. Banks have always shown great interest in automating the loan origination process for the above reason. However, due the constant changes in customer environment, market dynamics, prevailing economic conditions, cost pressures & regulatory environment they run into lot of challenges. Let me categorize some of these challenges for you Customer Environment Multiple Channels: Customer can use any of the available channels (Internet Banking, Email, Fax, Branch, Phone Banking, ATM, Broker, Mobile, Snail Mail) to perform all or some of the activities related to her Visibility into the origination process: Expect immediate update on the status of loan processing & alert messages Reduced Turn Around Time: Expect loans to be processed with least turn around time Reduced loan processing fees: Partly due to market dynamics the customer expects the loan processing fee to be negligible Market Dynamics Competitive environment:  The competition keeps creating many variants of loan products to attract customers, the bank needs to create similar product variants with better offers to attract customers or keep existing ones Ability to migrate loans from one vendor to another: It has become really easy for retail customers to move from one bank to the other given the low fee of loan processing and highly attractive offers. How does the bank protect it's customer base while actively engaging with potential customers banking with competitor banks Flexibility to react to market developments: Market development greatly influence loan processing, underwriting, asset valuation, risk mitigation rules. Can the bank modify rules and policies, the idea is not just to react to market developments but to pro-actively manage new developments Economic conditions Constant change in various rates and their implications on the rates and rules applied when on-boarding a loan: How quickly can the bank apply changes to rates offered to customers when the central bank changes various rates Requirements of Audit by the central banker: Tough economic conditions have demanded much more stringent audit rules and tests. The banks needs to produce ready reports(historic & operational) for audit compliance Risk Mitigation: While risk mitigation has always been a key concern for the bank, this is the area where the bank's underwriters & risk analysts spend the maximum time when processing a loan application. In order to reduce TAT the bank cannot compromise on its risk mitigation strategies Cost pressures Reduce Cost of processing per application: To deliver a reduced loan processing fee to the customer, the bank needs to keep its cost per processing loan application low. Meet customer TAT expectations while reducing the queues and the systems being used to process the loan application: The loan application could potentially be spending a lot of time waiting in the queue for further processing. Different volumes & patterns of applications demand different queuing algorithms. The bank needs to have real-time visibility into these queues and have the flexibility to change queuing algorithms at runtime  Increase the use of electronic communication and reduce the branch channel usage: Lesser automation leads not only leads to Increased turn around time, it also impacts more costs to reach out to customers The objective of our PoC was to implement a Loan Origination Solution whose ownership lies with the bank and effectively meet the challenges listed above. We built a simple story board for the solution We then went about implementing our storyboard using Oracle BPM Suite, Webcenter Content : Imaging. The web UI has been built on ADF technolgies, while the integration with core-services has been implemented using the underlying SOA infrastructure. The BPM process model is quite exhaustive can meet all the challenges listed above to reasonable degree. A bank intending to implement an end-to-end Loan Origination Solution has multiple options at it's disposal. It can Develop a customer Loan Origination Application from scratch: Gives maximum opportunity to build what you want but inflexible to upgrade and maintain. Higher TCO in long term Buy a Packaged application & customize it: Customizing a generic loan application can be tedious and prove as difficult as above. Build it using many disparate & un-integrated tools: Initially seems easier than developing from scratch. But, without integrated tool sets this is not a viable approach either or A solution based on a Framework: Independent Services and Business Process Modeling provide decoupled architecture that is flexible. We built this framework end-to-end with processes the core process of loan origination & several sub-processes such as Analyse and define customer needs, customer credit verification, identity check processes, legal review process, New customer registration & risk assessment.

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  • Video monetising and simple shop, platform?

    - by fieldman
    I have this client that wants a single-product website. The product is a training-video that they want to deliver virtually and optionally physically. I usually do all the front-end design and back-end development but the budget is close to $0 to start with. So I'm looking for a platform like shopify or something where a shop/cart can be set up quickly and simply with minimal up-front cost - but which can accomodate some kind of paywall (DRM too?) for the online video with an option to purchase for an aditional cost the physical DVD. Am I approaching the wrong way all together? Or do you know of any platform that will accomodate the specs?

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