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  • 10 Annoying Habits of a Geeky Spouse (GeekDad Wayback Machine)

    <b>Wired:</b> "Everyone has annoying habits, and a sizable part of every successful marriage is learning to live with those things each other does that annoy you. I think it&#8217;s safe to say, too, that geeks have some habits that we think are awesome, but that non-geeks find a little&#8230;less awesome."

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  • Policy Implementation is Damaging Organizations: Economist Intelligence Unit

    - by michael.seback
    Read new research revealing the hidden risks of inefficient policy implementation The frenetic pace of regulatory and legislative change means public and private sector organizations must continuously update internal policies - in particular, as associated with decision making and disbursements. Yet with policy management efforts alarmingly under-resourced and under-funded, the risk and cost of non-compliance - and their associated implications - are growing daily. To find out how inefficient policy management could be putting your business at risk, read your complimentary copy of the full EIU paper - Enabling Efficient Policy Implementation - today.

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  • Solaris Tips : Assembler, Format, File Descriptors, Ciphers & Mount Points

    - by Giri Mandalika
    .roundedcorner { border:1px solid #a1a1a1; padding:10px 40px; border-radius:25px; } .boxshadow { padding:10px 40px; box-shadow: 10px 10px 5px #888888; } 1. Most Oracle software installers need assembler Assembler (as) is not installed by default on Solaris 11.      Find and install eg., # pkg search assembler INDEX ACTION VALUE PACKAGE pkg.fmri set solaris/developer/assembler pkg:/developer/[email protected] # pkg install pkg:/developer/assembler Assembler binary used to be under /usr/ccs/bin directory on Solaris 10 and prior versions.      There is no /usr/ccs/bin on Solaris 11. Contents were moved to /usr/bin 2. Non-interactive retrieval of the entire list of disks that format reports If the format utility cannot show the entire list of disks in a single screen on stdout, it shows some and prompts user to - hit space for more or s to select - to move to the next screen to show few more disks. Run the following command(s) to retrieve the entire list of disks in a single shot. format 3. Finding system wide file descriptors/handles in use Run the following kstat command as any user (privileged or non-privileged). kstat -n file_cache -s buf_inuse Going through /proc (process filesystem) is less efficient and may lead to inaccurate results due to the inclusion of duplicate file handles. 4. ssh connection to a Solaris 11 host fails with error Couldn't agree a client-to-server cipher (available: aes128-ctr,aes192-ctr,aes256-ctr,arcfour128,arcfour256,arcfour) Solution: add 3des-cbc to the list of accepted ciphers to sshd configuration file. Steps: Append the following line to /etc/ssh/sshd_config Ciphers aes128-ctr,aes192-ctr,aes256-ctr,arcfour128,arcfour256,\ arcfour,3des-cbc Restart ssh daemon svcadm -v restart ssh 5. UFS: Finding the last mount point for a device fsck utility reports the last mountpoint on which the filesystem was mounted (it won't show the mount options though). The filesystem should be unmounted when running fsck. eg., # fsck -n /dev/dsk/c0t5000CCA0162F7BC0d0s6 ** /dev/rdsk/c0t5000CCA0162F7BC0d0s6 (NO WRITE) ** Last Mounted on /export/oracle ** Phase 1 - Check Blocks and Sizes ... ...

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  • How to resolve the "Failed to download repository" error?

    - by jojo
    I've tried to update but then I got this error Here's the error information in that box: W:GPG error: http://extras.ubuntu.com precise Release: The following signatures were invalid: BADSIG 16126D3A3E5C1192 Ubuntu Extras Archive Automatic Signing Key <[email protected]>, W:Failed to fetch http://ppa.launchpad.net/unity-team/hud/ubuntu/dists/precise/main/source/Sources 404 Not Found, W:Failed to fetch http://ppa.launchpad.net/unity-team/hud/ubuntu/dists/precise/main/binary-i386/Packages 404 Not Found, E:Some index files failed to download. They have been ignored, or old ones used instead. And my Internet connection is working fine. After trying $ sudo apt-get install ppa-purge Reading package lists... Done Building dependency tree Reading state information... Done ppa-purge is already the newest version. The following packages were automatically installed and are no longer required: language-pack-zh-hans language-pack-kde-en language-pack-kde-zh-hans language-pack-kde-en-base kde-l10n-engb kde-l10n-zhcn language-pack-zh-hans-base firefox-locale-zh-hans language-pack-kde-zh-hans-base Use 'apt-get autoremove' to remove them. 0 upgraded, 0 newly installed, 0 to remove and 0 not upgraded. $ sudo ppa-purge ppa:unity-team/hud Updating packages lists W: GPG error: http://extras.ubuntu.com precise Release: The following signatures were invalid: BADSIG 16126D3A3E5C1192 Ubuntu Extras Archive Automatic Signing Key <[email protected]> W: Failed to fetch http://ppa.launchpad.net/unity-team/hud/ubuntu/dists/precise/main/source/Sources 404 Not Found W: Failed to fetch http://ppa.launchpad.net/unity-team/hud/ubuntu/dists/precise/main/binary-i386/Packages 404 Not Found E: Some index files failed to download. They have been ignored, or old ones used instead. Warning: apt-get update failed for some reason PPA to be removed: unity-team hud Warning: Could not find package list for PPA: unity-team hud I've tried $ sudo apt-key adv --recv-keys --keyserver keyserver.ubuntu.com 16126D3A3E5C1192 Executing: gpg --ignore-time-conflict --no-options --no-default-keyring --secret-keyring /tmp/tmp.v6Ucus0B10 --trustdb-name /etc/apt/trustdb.gpg --keyring /etc/apt/trusted.gpg --primary-keyring /etc/apt/trusted.gpg --recv-keys --keyserver keyserver.ubuntu.com 16126D3A3E5C1192 gpg: requesting key 3E5C1192 from hkp server keyserver.ubuntu.com gpg: key 3E5C1192: "Ubuntu Extras Archive Automatic Signing Key <[email protected]>" not changed gpg: Total number processed: 1 gpg: unchanged: 1 And then started the same procedure but of no use.

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  • T-SQL in SQL Azure

    - by kaleidoscope
    The following table summarizes the Transact-SQL support provided by SQL Azure Database at PDC 2009: Transact-SQL Features Supported Transact-SQL Features Unsupported Constants Constraints Cursors Index management and rebuilding indexes Local temporary tables Reserved keywords Stored procedures Statistics management Transactions Triggers Tables, joins, and table variables Transact-SQL language elements such as Create/drop databases Create/alter/drop tables Create/alter/drop users and logins User-defined functions Views, including sys.synonyms view Common Language Runtime (CLR) Database file placement Database mirroring Distributed queries Distributed transactions Filegroup management Global temporary tables Spatial data and indexes SQL Server configuration options SQL Server Service Broker System tables Trace Flags   Amit, S

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  • Please recommend a good book on general IT for junior developer

    - by Rachel
    I have just got a job as a junior java developer and I am finding learning the code fine as I taught myself to pass the interview tests, trouble is I have a biology degree and know little about general IT and computer /network jargon. I don't want to be seen as a total idiot and non - techie so please can you recommend a book I can read / study to quickly increase my general background knowledge so that I can compete on a level with IT graduates!

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  • Font rendering in Firefox is blurry

    - by Lambert
    A picture is worth a thousand words... so does anyone know how to fix this font blurriness in Firefox? (You'll need to right-click the picture below go to View Image to view it full-size; it's too small to see anything here.) Note: My other applications (and the Firefox non-client area, as you can see in the screen) are completely fine, so obviously going to System-Appearance and changing the font settings isn't fixing the situation.

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  • Tout savoir sur le projet Webian Shell, l'OS-navigateur soutenu par Mozilla, son créateur répond aux questions de Développez.com

    Tout savoir sur le projet Webian Shell, l'OS-navigateur soutenu par Mozilla Son créateur répond aux questions de Développez.com Dévoilé il y a quelques semaines, Webian Shell fait partie de ces projets qui suscitent très tôt l'intérêt des médias, car ils s'annoncent comme des alternatives à des produits populaires (ou décriés), laissant place après ce sursaut de gloire éphémère non encore méritée, à l'essentiel du travail qui se fera loin des projecteurs. Ça vous rappel Diaspora ? Pas étonnant, car Webian Shell est à

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  • Initializing Problem when using the Catalyst Control Center with fglrx

    - by Pierre
    I activated, or installed the Catalyst 11.8 driver, which is the non postrelease one, I think. When I go into Applications - Other - Catalyst Control Center, I get an error saying "There was a problem initializing Catalyst Control Center Linux edition..." Also, when I open up a terminal and use fglrxinfo I get a X error, it says BadRequest (invalid request code or no such operation). I'm not using Unity, I'm using Gnome Classic. Video card is a ATI Mobility Raedeon HD 5470.

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  • Per-machine decentralised DNS caching - nscd/lwresd/etc

    - by Dan Carley
    Preface: We have caching resolvers at each of our geographic network locations. These are clustered for resiliency and their locality reduces the latency of internal requests generated by our servers. This works well. Except that a vast quantity of the requests seen over the wire are lookups for the same records, generated by applications which don't perform any DNS caching of their own. Questions: Is there a significant benefit to running lightweight caching daemons on the individual servers in order to reduce repeated requests from hitting the network? Does anyone have experience of using [u]nscd, lwresd or dnscache to do such a thing? Are there any other packages worth looking at? Any caveats to beware of? Besides the obvious, caching and negative caching stale results.

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  • Visual Studio 2010, Entity Framework, and Oracle

    - by Tobias Gunn
    While I was working on a SilverLight 4 demo I found out that Entity Framework is not supported directly through the .NET provider or ODP tools. In order to make them work you need to either write a wrapper of your own (wouldn't chance it) or else use a provider like DataDirect or Quest's upcoming tool. So far, I've been very happy with the DataDirect tool (found here http://www.datadirect.com/products/net/index.ssp). As I get a little farther along I'll post more on SL4, RIA, and EF.

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  • Sets, Surrogates, Normalisation, Referential Integrity - the Theory with example Scaling considerati

    - by tonyrogerson
    The Slides and Demo's for the SQLBits session I did today at SQL Bits in London are attached. The Agenda was... Thinking in Sets Surrogate Keys ú What they are ú Comparison NEWID, NEWSEQUENTIALID, IDENTITY ú Fragmenation Normalisation ú An introduction – what is it? Why use it? ú Joins – Pre-filter problems, index intersection ú Fragmentation again Referential Integrity ú Optimiser -> Query rewrite ú Locking considerations around Foreign Keys and Declarative RI (using Triggers)...(read more)

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  • Finding the XPath with the node name

    - by julien.schneider(at)oracle.com
    A function that i find missing is to get the Xpath expression of a node. For example, suppose i only know the node name <theNode>, i'd like to get its complete path /Where/is/theNode.   Using this rather simple Xquery you can easily get the path to your node. declare namespace orcl = "http://www.oracle.com/weblogic_soa_and_more"; declare function orcl:findXpath($path as element()*) as xs:string { if(local-name($path/..)='') then local-name($path) else concat(orcl:findXpath($path/..),'/',local-name($path)) }; declare function orcl:PathFinder($inputRecord as element(), $path as element()) as element(*) { { for $index in $inputRecord//*[local-name()=$path/text()] return orcl:findXpath($index) } }; declare variable $inputRecord as element() external; declare variable $path as element() external; orcl:PathFinder($inputRecord, $path)   With a path         <myNode>nodeName</myNode>  and a message         <node1><node2><nodeName>test</nodeName></node2></node1>  the result will be         node1/node2/nodeName   This is particularly useful when you use the Validate action of OSB because Validate only returns the xml node which is in error and not the full location itself. The following OSB project reuses this Xquery to reformat the result of the Validate Action. Just send an invalid xml like <myElem http://blogs.oracle.com/weblogic_soa_and_more"http://blogs.oracle.com/weblogic_soa_and_more">      <mySubElem>      </mySubElem></myElem>   you'll get as nice <MessageIsNotValid> <ErrorDetail  nbr="1"> <dataElementhPath>Body/myElem/mySubElem</dataElementhPath> <message> Expected element 'Subelem1@http://blogs.oracle.com/weblogic_soa_and_more' before the end of the content in element mySubElem@http://blogs.oracle.com/weblogic_soa_and_more </message> </ErrorDetail> </MessageIsNotValid>   Download the OSB project : sbconfig_xpath.jar   Enjoy.            

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  • Test interface implementation

    - by Michael
    I have a interface in our code base that I would like to be able to mock out for unit testing. I am writing a test implementation to allow the individual tests to be able to override the specific methods they are concerned with rather than implementing every method. I've run into a quandary over how the test implementation should behave if the test fails to override a method used by the method under test. Should I return a "non-value" (0, null) in the test implementation or throw a UnsupportedOperationException to explicitly fail the test?

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  • Another Way to Learn SQL Server

    - by RickHeiges
    Since 2004, I have been on the Advisory Board for several continuing education certificate programs for the University of Washington. You might know some of the other Advisory Board Memebrs - check it out. The Advisory Board meets very infrequently and is asked for "advice" (not direction) on various aspects of the program. Generally speaking, courses that are taught for a degree are non-platform specific. Continuing Education courses and certificate programs are more product focused. As you can...(read more)

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  • La Release Candidate de Flash 10.1 devrait annoncer l'arrivée imminente de la version définitive

    Mise à jour du 08/04/10 La RC de Flash 10.1 Annonce l'arrivée imminente de la version définitive Adobe vient de mettre en ligne la RC (Release Candidate) de Flash Player 10.1. Pour mémoire, la future version de Flash introduit l'accélération matériel (en d'autres termes l'utilisation de la carte graphique et non plus du CPU) dans la technologie. Autre nouveauté, le support du format viéo H.264, le seul qui pourra bénéficier de l'accélération matérielle. La liste des cartes supportées est disponibles ici (pdf). Autre b...

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  • Firefox Fonts Blurry (Web Content ONLY, **NOT** Window Decorations or Other Programs)

    - by Lambert
    A picture is worth a thousand words... so does anyone know how to fix this font blurriness in Firefox? (You'll need to right-click the picture below go to View Image to view it full-size; it's too small to see anything here.) Note: My other applications (and the Firefox non-client area, as you can see in the screen) are completely fine, so obviously going to System-Appearance and changing the font settings isn't fixing the situation.

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  • Security risks posed by specifying technologies used

    - by SabreWolfy
    I am developing online tools for non-commercial use, which are hosted on dedicated hardware. I would like to include logos indicating the technologies I used (Apache or Python for example), at the bottom of the page. What are the security risks/implications, if any, of "advertizing" this information? It is better not to reveal that the web server is Apache, and that I used Pyhton and jQuery, for example?

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  • Could I improve lyrics display in OSD Lyrics by adding other lyrics sources beside its default ones (ttPlayer and Xiami)?

    - by cipricus
    OSD Lyrics has a very good way of displaying lyrics but its sources seem poor - compared to what I experience in Windows with Foobar and in Ubuntu with CoverGloobus. The latter uses a small non-adjustable font, so I would rather prefer to use OSD Lyrics, were it not for this problem. Many people recommend OSD Lyrics as the best way to display lyrics, but in fact it couldn't even find lyrics for some songs of The Beatles, for example, not to mention other less popular artists.

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  • Windows Azure Database (SQL Azure) Development Tip

    - by BuckWoody
    When you create something in the cloud, it's real, and you're charged for it. There are free offerings, and you even get free resources with your Microsoft Developer Network (MSDN) subscription, but there are limits within those. Creating a 1 GB database - even with nothing in it - is a 1 GB Database. If you create it, drop it, and create it again 2 minutes later, that's 2 GB of space you've used for the month. Wait - how do I develop in this kind of situation? With Windows Azure, you can simply install the free Software Development Kit (SDK) and develop your entire application for free - you need never even log in to Windows Azure to code. Once you're done, you simply deploy the app and you start making money from the application as you're paying for it. Windows Azure Databases (The Artist Formerly Known As SQL Azure) is a bit different. It's not emulated in the SDK - because it doesn't have to be. It's just SQL Server, with some differences in feature set. To develop in this environment, you can use SQL Server, any edition. Be aware of the feature differences, of course, but just develop away - even in the free "Express" or LocalDB flavors - and then right-click in SQL Server Management Studio to script objects. Script the database, but change the "Advanced" selection to the Engine Type of "SQL Azure". Bing. Although most all T-SQL ports directly, one thing to keep in mind is that you need a Clustered Index on every table. Often the Primary Key (PK) is a good choice for that.

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  • T-SQL Tuesday #31 - Logging Tricks with CONTEXT_INFO

    - by Most Valuable Yak (Rob Volk)
    This month's T-SQL Tuesday is being hosted by Aaron Nelson [b | t], fellow Atlantan (the city in Georgia, not the famous sunken city, or the resort in the Bahamas) and covers the topic of logging (the recording of information, not the harvesting of trees) and maintains the fine T-SQL Tuesday tradition begun by Adam Machanic [b | t] (the SQL Server guru, not the guy who fixes cars, check the spelling again, there will be a quiz later). This is a trick I learned from Fernando Guerrero [b | t] waaaaaay back during the PASS Summit 2004 in sunny, hurricane-infested Orlando, during his session on Secret SQL Server (not sure if that's the correct title, and I haven't used parentheses in this paragraph yet).  CONTEXT_INFO is a neat little feature that's existed since SQL Server 2000 and perhaps even earlier.  It lets you assign data to the current session/connection, and maintains that data until you disconnect or change it.  In addition to the CONTEXT_INFO() function, you can also query the context_info column in sys.dm_exec_sessions, or even sysprocesses if you're still running SQL Server 2000, if you need to see it for another session. While you're limited to 128 bytes, one big advantage that CONTEXT_INFO has is that it's independent of any transactions.  If you've ever logged to a table in a transaction and then lost messages when it rolled back, you can understand how aggravating it can be.  CONTEXT_INFO also survives across multiple SQL batches (GO separators) in the same connection, so for those of you who were going to suggest "just log to a table variable, they don't get rolled back":  HA-HA, I GOT YOU!  Since GO starts a new batch all variable declarations are lost. Here's a simple example I recently used at work.  I had to test database mirroring configurations for disaster recovery scenarios and measure the network throughput.  I also needed to log how long it took for the script to run and include the mirror settings for the database in question.  I decided to use AdventureWorks as my database model, and Adam Machanic's Big Adventure script to provide a fairly large workload that's repeatable and easily scalable.  My test would consist of several copies of AdventureWorks running the Big Adventure script while I mirrored the databases (or not). Since Adam's script contains several batches, I decided CONTEXT_INFO would have to be used.  As it turns out, I only needed to grab the start time at the beginning, I could get the rest of the data at the end of the process.   The code is pretty small: declare @time binary(128)=cast(getdate() as binary(8)) set context_info @time   ... rest of Big Adventure code ...   go use master; insert mirror_test(server,role,partner,db,state,safety,start,duration) select @@servername, mirroring_role_desc, mirroring_partner_instance, db_name(database_id), mirroring_state_desc, mirroring_safety_level_desc, cast(cast(context_info() as binary(8)) as datetime), datediff(s,cast(cast(context_info() as binary(8)) as datetime),getdate()) from sys.database_mirroring where db_name(database_id) like 'Adv%';   I declared @time as a binary(128) since CONTEXT_INFO is defined that way.  I couldn't convert GETDATE() to binary(128) as it would pad the first 120 bytes as 0x00.  To keep the CAST functions simple and avoid using SUBSTRING, I decided to CAST GETDATE() as binary(8) and let SQL Server do the implicit conversion.  It's not the safest way perhaps, but it works on my machine. :) As I mentioned earlier, you can query system views for sessions and get their CONTEXT_INFO.  With a little boilerplate code this can be used to monitor long-running procedures, in case you need to kill a process, or are just curious  how long certain parts take.  In this example, I added code to Adam's Big Adventure script to set CONTEXT_INFO messages at strategic places I want to monitor.  (His code is in UPPERCASE as it was in the original, mine is all lowercase): declare @msg binary(128) set @msg=cast('Altering bigProduct.ProductID' as binary(128)) set context_info @msg go ALTER TABLE bigProduct ALTER COLUMN ProductID INT NOT NULL GO set context_info 0x0 go declare @msg1 binary(128) set @msg1=cast('Adding pk_bigProduct Constraint' as binary(128)) set context_info @msg1 go ALTER TABLE bigProduct ADD CONSTRAINT pk_bigProduct PRIMARY KEY (ProductID) GO set context_info 0x0 go declare @msg2 binary(128) set @msg2=cast('Altering bigTransactionHistory.TransactionID' as binary(128)) set context_info @msg2 go ALTER TABLE bigTransactionHistory ALTER COLUMN TransactionID INT NOT NULL GO set context_info 0x0 go declare @msg3 binary(128) set @msg3=cast('Adding pk_bigTransactionHistory Constraint' as binary(128)) set context_info @msg3 go ALTER TABLE bigTransactionHistory ADD CONSTRAINT pk_bigTransactionHistory PRIMARY KEY NONCLUSTERED(TransactionID) GO set context_info 0x0 go declare @msg4 binary(128) set @msg4=cast('Creating IX_ProductId_TransactionDate Index' as binary(128)) set context_info @msg4 go CREATE NONCLUSTERED INDEX IX_ProductId_TransactionDate ON bigTransactionHistory(ProductId,TransactionDate) INCLUDE(Quantity,ActualCost) GO set context_info 0x0   This doesn't include the entire script, only those portions that altered a table or created an index.  One annoyance is that SET CONTEXT_INFO requires a literal or variable, you can't use an expression.  And since GO starts a new batch I need to declare a variable in each one.  And of course I have to use CAST because it won't implicitly convert varchar to binary.  And even though context_info is a nullable column, you can't SET CONTEXT_INFO NULL, so I have to use SET CONTEXT_INFO 0x0 to clear the message after the statement completes.  And if you're thinking of turning this into a UDF, you can't, although a stored procedure would work. So what does all this aggravation get you?  As the code runs, if I want to see which stage the session is at, I can run the following (assuming SPID 51 is the one I want): select CAST(context_info as varchar(128)) from sys.dm_exec_sessions where session_id=51   Since SQL Server 2005 introduced the new system and dynamic management views (DMVs) there's not as much need for tagging a session with these kinds of messages.  You can get the session start time and currently executing statement from them, and neatly presented if you use Adam's sp_whoisactive utility (and you absolutely should be using it).  Of course you can always use xp_cmdshell, a CLR function, or some other tricks to log information outside of a SQL transaction.  All the same, I've used this trick to monitor long-running reports at a previous job, and I still think CONTEXT_INFO is a great feature, especially if you're still using SQL Server 2000 or want to supplement your instrumentation.  If you'd like an exercise, consider adding the system time to the messages in the last example, and an automated job to query and parse it from the system tables.  That would let you track how long each statement ran without having to run Profiler. #TSQL2sDay

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  • As webdevelopment is it same to legal issues to make a sex dating sites?

    - by YumYumYum
    Like i have created many other normal sites which are not related to any dating/sexual content. Is it for a developer same rules and regulation while making a sex related dating sites? where people meet together, learn each others, for having a sex relaionship (you know what i mean), having also a feature of webcam sex but not explicitly a porno sites. Does those sites have any special legal terms and condition's for the developers comparing with non sexual/dating sites legal terms and conditions?

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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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  • WCF Data Service Pipeline

    - by Daniel Cazzulino
    For documentation purposes, I just draw the following UML sequence diagrams for the “Astoria” pipeline, using Visual Studio 2010 Ultimate: For a single-entity (or non-batched) request, this is the sequence: For a batch request, this is the sequence instead: DataService component is your own DataService<T>-derived class, and DataService.ProcessingPipeline refers to its ProcessingPipeline property pipeline events.   /kzu

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  • Operator of the Week - Spools, Eager Spool

    For the fifth part of Fabiano's mission to describe the major Showplan Operators used by SQL Server's Query Optimiser, he introduces the spool operators and particularly the Eager Spool, explains blocking and non-blocking and then describes how the Halloween Problem is avoided.

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