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• Chock-full of Identity Customers at Oracle OpenWorld

  - by Tanu Sood

    Oracle Openworld (OOW) 2012 kicks off this coming Sunday. Oracle OpenWorld is known to bring in Oracle customers, organizations big and small, from all over the world. And, Identity Management is no exception. If you are looking to catch up with Oracle Identity Management customers, hear first-hand about their implementation experiences and discuss industry trends, business drivers, solutions and more at OOW, here are some sessions we recommend you attend: Monday, October 1, 2012 CON9405: Trends in Identity Management 10:45 a.m. – 11:45 a.m., Moscone West 3003 Subject matter experts from Kaiser Permanente and SuperValu share the stage with Amit Jasuja, Snior Vice President, Oracle Identity Management and Security to discuss how the latest advances in Identity Management are helping customers address emerging requirements for securely enabling cloud, social and mobile environments. CON9492: Simplifying your Identity Management Implementation 3:15 p.m. – 4:15 p.m., Moscone West 3008 Implementation experts from British Telecom, Kaiser Permanente and UPMC participate in a panel to discuss best practices, key strategies and lessons learned based on their own experiences. Attendees will hear first-hand what they can do to streamline and simplify their identity management implementation framework for a quick return-on-investment and maximum efficiency. CON9444: Modernized and Complete Access Management 4:45 p.m. – 5:45 p.m., Moscone West 3008 We have come a long way from the days of web single sign-on addressing the core business requirements. Today, as technology and business evolves, organizations are seeking new capabilities like federation, token services, fine grained authorizations, web fraud prevention and strong authentication. This session will explore the emerging requirements for access management, what a complete solution is like, complemented with real-world customer case studies from ETS, Kaiser Permanente and TURKCELL and product demonstrations. Tuesday, October 2, 2012 CON9437: Mobile Access Management 10:15 a.m. – 11:15 a.m., Moscone West 3022 With more than 5 billion mobile devices on the planet and an increasing number of users using their own devices to access corporate data and applications, securely extending identity management to mobile devices has become a hot topic. This session will feature Identity Management evangelists from companies like Intuit, NetApp and Toyota to discuss how to extend your existing identity management infrastructure and policies to securely and seamlessly enable mobile user access. CON9491: Enhancing the End-User Experience with Oracle Identity Governance applications 11:45 a.m. – 12:45 p.m., Moscone West 3008 As organizations seek to encourage more and more user self service, business users are now primary end users for identity management installations.  Join experts from Visa and Oracle as they explore how Oracle Identity Governance solutions deliver complete identity administration and governance solutions with support for emerging requirements like cloud identities and mobile devices. CON9447: Enabling Access for Hundreds of Millions of Users 1:15 p.m. – 2:15 p.m., Moscone West 3008 Dealing with scale problems? Looking to address identity management requirements with million or so users in mind? Then take note of Cisco’s implementation. Join this session to hear first-hand how Cisco tackled identity management and scaled their implementation to bolster security and enforce compliance. CON9465: Next Generation Directory – Oracle Unified Directory 5:00 p.m. – 6:00 p.m., Moscone West 3008 Get the 360 degrees perspective from a solution provider, implementation services partner and the customer in this session to learn how the latest Oracle Unified Directory solutions can help you build a directory infrastructure that is optimized to support cloud, mobile and social networking and yet deliver on scale and performance. Wednesday, October 3, 2012 CON9494: Sun2Oracle: Identity Management Platform Transformation 11:45 a.m. – 12:45 p.m., Moscone West 3008 Sun customers are actively defining strategies for how they will modernize their identity deployments. Learn how customers like Avea and SuperValu are leveraging their Sun investment, evaluating areas of expansion/improvement and building momentum. CON9631: Entitlement-centric Access to SOA and Cloud Services 11:45 a.m. – 12:45 p.m., Marriott Marquis, Salon 7 How do you enforce that a junior trader can submit 10 trades/day, with a total value of $5M, if market volatility is low? How can hide sensitive patient information from clerical workers but make it visible to specialists as long as consent has been given or there is an emergency? How do you externalize such entitlements to allow dynamic changes without having to touch the application code? In this session, Uberether and HerbaLife take the stage with Oracle to demonstrate how you can enforce such entitlements on a service not just within your intranet but also right at the perimeter. CON3957 - Delivering Secure Wi-Fi on the Tube as an Olympics Legacy from London 2012 11:45 a.m. – 12:45 p.m., Moscone West 3003 In this session, Virgin Media, the U.K.’s first combined provider of broadband, TV, mobile, and home phone services, shares how it is providing free secure Wi-Fi services to the London Underground, using Oracle Virtual Directory and Oracle Entitlements Server, leveraging back-end legacy systems that were never designed to be externalized. As an Olympics 2012 legacy, the Oracle architecture will form a platform to be consumed by other Virgin Media services such as video on demand. CON9493: Identity Management and the Cloud 1:15 p.m. – 2:15 p.m., Moscone West 3008 Security is the number one barrier to cloud service adoption.  Not so for industry leading companies like SaskTel, ConAgra foods and UPMC. This session will explore how these organizations are using Oracle Identity with cloud services and how some are offering identity management as a cloud service. CON9624: Real-Time External Authorization for Middleware, Applications, and Databases 3:30 p.m. – 4:30 p.m., Moscone West 3008 As organizations seek to grant access to broader and more diverse user populations, the importance of centrally defined and applied authorization policies become critical; both to identify who has access to what and to improve the end user experience.  This session will explore how customers are using attribute and role-based access to achieve these goals. CON9625: Taking control of WebCenter Security 5:00 p.m. – 6:00 p.m., Moscone West 3008 Many organizations are extending WebCenter in a business to business scenario requiring secure identification and authorization of business partners and their users. Leveraging LADWP’s use case, this session will focus on how customers are leveraging, securing and providing access control to Oracle WebCenter portal and mobile solutions. Thursday, October 4, 2012 CON9662: Securing Oracle Applications with the Oracle Enterprise Identity Management Platform 2:15 p.m. – 3:15 p.m., Moscone West 3008 Oracle Enterprise identity Management solutions are designed to secure access and simplify compliance to Oracle Applications.  Whether you are an EBS customer looking to upgrade from Oracle Single Sign-on or a Fusion Application customer seeking to leverage the Identity instance as an enterprise security platform, this session with Qualcomm and Oracle will help you understand how to get the most out of your investment. And here’s the complete listing of all the Identity Management sessions at Oracle OpenWorld.

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• Life Technologies: Making Life Easier to Manage

  - by Michael Snow

  12.00 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:0in; mso-para-margin-bottom:.0001pt; mso-pagination:widow-orphan; font-family:"Calibri","sans-serif"; mso-bidi-font-family:"Times New Roman";} When we’re thinking about customer engagement, we’re acutely aware of all the forces at play competing for our customer’s attention. Solutions that make life easier for our customers draw attention to themselves. We tend to engage more when there is a distinct benefit and we can take a deep breath and accept that there is hope in the world and everything isn’t designed to frustrate us and make our lives miserable. (sigh…) When products are designed to automate processes that were consuming hours of our time with no relief in sight, they deserve to be recognized. One of our recent Oracle Fusion Middleware Innovation Award Winners in the WebCenter category, Life Technologies, has recently posted a video promoting their “award winning” solution. The Oracle Innovation Awards are part of the overall Oracle Excellence awards given to customers for innovation with Oracle products. More info here. Their award nomination included this description: Life Technologies delivered the My Life Service Portal as part of a larger Digital Hub strategy. This Portal is the first of its kind in the biotechnology service providing industry. The Portal provides access to Life Technologies cloud based service monitoring system where all customer deployed instruments can be remotely monitored and proactively repaired. The portal provides alerts from these cloud based monitoring services directly to the customer and to Life Technologies Field Engineers. The Portal provides insight into the instruments and services customers purchased for the purpose of analyzing and anticipating future customer needs and creating targeted sales and service programs. This portal not only provides benefits for Life Technologies internal sales and service teams but provides customers a central place to track all pertinent instrument information including: instrument service history instrument status and previous activities instrument performance analytics planned service visits warranty/contract information discussion forums social networks for lab management and collaboration alerts and notifications on all of the above team scheduling for instrument usage promote optional reagents required to keep instruments performing From their website The Life Technologies Instruments & Services Portal Helps You Save Time and Gain Peace of Mind Introducing the new, award-winning, free online tool that enables easier management of your instrument use and care, faster response to requests for service or service quotes, and instant sharing of key instrument and service information with your colleagues. Now – this unto itself is obviously beneficial for their customers who were previously burdened with having to do all of these tasks separately, manually and inconsistently by nature. Now – all in one place and free to their customers – a portal that ties it all together. They now have built the platform to give their customers yet another reason to do business with them – Their headline on their product page says it all: “Life is now easier to manage - All your instrument use and care in one place – the no-cost, no-hassle Instruments and Services Portal.” Of course – it’s very convenient that the company name includes “Life” and now can also promote to their clients and prospects that doing business with them is easy and their sophisticated lab equipment is easy to manage. In an industry full of PhD’s – “Easy” isn’t usually the first word that comes to mind, but Life Technologies has now tied the word to their brand in a very eloquent way. Between our work lives and family or personal lives, getting any mono-focused minutes of dedicated attention has become such a rare occurrence in our current era of multi-tasking that those moments of focus are highly prized. So – when something is done really well – so well that it becomes captivating and urges sharing impulses – I take notice and dig deeper and most of the time I discover other gems not so hidden below the surface. And then I share with those I know would enjoy and understand. In the spirit of full disclosure, I must admit here that the first person I shared the videos below with was my daughter. She’s in her senior year of high school in the midst of her college search. She’s passionate about her academics and has already decided that she wants to study Neuroscience in college and like her mother will be in for the long haul to a PhD eventually. In a summer science program at Smith College 2 summers ago – she sent the family famous text to me – “I just dissected a sheep’s brain – wicked cool!” – This was followed by an equally memorable text this past summer in a research mentorship in Neuroscience at UConn – “Just sliced up some rat brain. Reminded me of a deli slicer at the supermarket… sorry I forgot to call last night…” So… needless to say – I knew I had an audience that would enjoy and understand these videos below and are now being shared among her science classmates and faculty. And evidently - so does Life Technologies! They’ve done a great job on these making them fun and something that will easily be shared among their customers social networks. They’ve created a neuro-archetypal character, “Ph.Diddy” and know that their world of clients in academics, research, and other institutions would understand and enjoy the “edutainment” value in this series of videos on their YouTube channel that pokes fun at the stereotypes while also promoting their products at the same time. They use their Facebook page for additional engagement with their clients and as another venue to promote these videos. Enjoy this one as well! More to be found here: http://www.youtube.com/lifetechnologies Stay tuned to this Oracle WebCenter blog channel. Tomorrow we'll be taking a look at another winner of the Innovation Awards, LADWP - helping to keep the citizens of Los Angeles engaged with their Water and Power provider.

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• European Interoperability Framework - a new beginning?

  - by trond-arne.undheim

  The most controversial document in the history of the European Commission's IT policy is out. EIF is here, wrapped in the Communication "Towards interoperability for European public services", and including the new feature European Interoperability Strategy (EIS), arguably a higher strategic take on the same topic. Leaving EIS aside for a moment, the EIF controversy has been around IPR, defining open standards and about the proper terminology around standardization deliverables. Today, as the document finally emerges, what is the verdict? First of all, to be fair to those among you who do not spend your lives in the intricate labyrinths of Commission IT policy documents on interoperability, let's define what we are talking about. According to the Communication: "An interoperability framework is an agreed approach to interoperability for organisations that want to collaborate to provide joint delivery of public services. Within its scope of applicability, it specifies common elements such as vocabulary, concepts, principles, policies, guidelines, recommendations, standards, specifications and practices." The Good - EIF reconfirms that "The Digital Agenda can only take off if interoperability based on standards and open platforms is ensured" and also confirms that "The positive effect of open specifications is also demonstrated by the Internet ecosystem." - EIF takes a productive and pragmatic stance on openness: "In the context of the EIF, openness is the willingness of persons, organisations or other members of a community of interest to share knowledge and stimulate debate within that community, the ultimate goal being to advance knowledge and the use of this knowledge to solve problems" (p.11). "If the openness principle is applied in full: - All stakeholders have the same possibility of contributing to the development of the specification and public review is part of the decision-making process; - The specification is available for everybody to study; - Intellectual property rights related to the specification are licensed on FRAND terms or on a royalty-free basis in a way that allows implementation in both proprietary and open source software" (p. 26). - EIF is a formal Commission document. The former EIF 1.0 was a semi-formal deliverable from the PEGSCO, a working group of Member State representatives. - EIF tackles interoperability head-on and takes a clear stance: "Recommendation 22. When establishing European public services, public administrations should prefer open specifications, taking due account of the coverage of functional needs, maturity and market support." - The Commission will continue to support the National Interoperability Framework Observatory (NIFO), reconfirming the importance of coordinating such approaches across borders. - The Commission will align its internal interoperability strategy with the EIS through the eCommission initiative. - One cannot stress the importance of using open standards enough, whether in the context of open source or non-open source software. The EIF seems to have picked up on this fact: What does the EIF says about the relation between open specifications and open source software? The EIF introduces, as one of the characteristics of an open specification, the requirement that IPRs related to the specification have to be licensed on FRAND terms or on a royalty-free basis in a way that allows implementation in both proprietary and open source software. In this way, companies working under various business models can compete on an equal footing when providing solutions to public administrations while administrations that implement the standard in their own software (software that they own) can share such software with others under an open source licence if they so decide. - EIF is now among the center pieces of the Digital Agenda (even though this demands extensive inter-agency coordination in the Commission): "The EIS and the EIF will be maintained under the ISA Programme and kept in line with the results of other relevant Digital Agenda actions on interoperability and standards such as the ones on the reform of rules on implementation of ICT standards in Europe to allow use of certain ICT fora and consortia standards, on issuing guidelines on essential intellectual property rights and licensing conditions in standard-setting, including for ex-ante disclosure, and on providing guidance on the link between ICT standardisation and public procurement to help public authorities to use standards to promote efficiency and reduce lock-in.(Communication, p.7)" All in all, quite a few good things have happened to the document in the two years it has been on the shelf or was being re-written, depending on your perspective, in any case, awaiting the storms to calm. The Bad - While a certain pragmatism is required, and governments cannot migrate to full openness overnight, EIF gives a bit too much room for governments not to apply the openness principle in full. Plenty of reasons are given, which should maybe have been put as challenges to be overcome: "However, public administrations may decide to use less open specifications, if open specifications do not exist or do not meet functional interoperability needs. In all cases, specifications should be mature and sufficiently supported by the market, except if used in the context of creating innovative solutions". - EIF does not use the internationally established terminology: open standards. Rather, the EIF introduces the notion of "formalised specification". How do "formalised specifications" relate to "standards"? According to the FAQ provided: The word "standard" has a specific meaning in Europe as defined by Directive 98/34/EC. Only technical specifications approved by a recognised standardisation body can be called a standard. Many ICT systems rely on the use of specifications developed by other organisations such as a forum or consortium. The EIF introduces the notion of "formalised specification", which is either a standard pursuant to Directive 98/34/EC or a specification established by ICT fora and consortia. The term "open specification" used in the EIF, on the one hand, avoids terminological confusion with the Directive and, on the other, states the main features that comply with the basic principle of openness laid down in the EIF for European Public Services. Well, this may be somewhat true, but in reality, Europe is 30 year behind in terminology. Unless the European Standardization Reform gets completed in the next few months, most Member States will likely conclude that they will go on referencing and using standards beyond those created by the three European endorsed monopolists of standardization, CEN, CENELEC and ETSI. Who can afford to begin following the strict Brussels rules for what they can call open standards when, in reality, standards stemming from global standardization organizations, so-called fora/consortia, dominate in the IT industry. What exactly is EIF saying? Does it encourage Member States to go on using non-ESO standards as long as they call it something else? I guess I am all for it, although it is a bit cumbersome, no? Why was there so much interest around the EIF? The FAQ attempts to explain: Some Member States have begun to adopt policies to achieve interoperability for their public services. These actions have had a significant impact on the ecosystem built around the provision of such services, e.g. providers of ICT goods and services, standardisation bodies, industry fora and consortia, etc... The Commission identified a clear need for action at European level to ensure that actions by individual Member States would not create new electronic barriers that would hinder the development of interoperable European public services. As a result, all stakeholders involved in the delivery of electronic public services in Europe have expressed their opinions on how to increase interoperability for public services provided by the different public administrations in Europe. Well, it does not take two years to read 50 consultation documents, and the EU Standardization Reform is not yet completed, so, more pragmatically, you finally had to release the document. Ok, let's leave some of that aside because the document is out and some people are happy (and others definitely not). The Verdict Considering the controversy, the delays, the lobbying, and the interests at stake both in the EU, in Member States and among vendors large and small, this document is pretty impressive. As with a good wine that has not yet come to full maturity, let's say that it seems to be coming in in the 85-88/100 range, but only a more fine-grained analysis, enjoyment in good company, and ultimately, implementation, will tell. The European Commission has today adopted a significant interoperability initiative to encourage public administrations across the EU to maximise the social and economic potential of information and communication technologies. Today, we should rally around this achievement. Tomorrow, let's sit down and figure out what it means for the future.

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• Underwriting in a New Frontier: Spurring Innovation

  - by [email protected]

  Normal 0 false false false EN-US X-NONE X-NONE MicrosoftInternetExplorer4 st1\:*{behavior:url(#ieooui) } /* 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:0in; mso-para-margin-bottom:.0001pt; mso-pagination:widow-orphan; font-size:10.0pt; font-family:"Calibri","sans-serif";} Susan Keuer, product strategy manager for Oracle Insurance, shares her experiences and insight from the 2010 Association of Home Office Underwriters (AHOU) Annual Conference, April 11-14, in San Antonio, Texas    How can I be more innovative in underwriting?  It's a common question I hear from insurance carriers, producers and others, so it was no surprise that it was the key theme at the recent 2010 AHOU Annual Conference.  This year's event drew more than 900 insurance professionals involved in the underwriting process across life and annuities, property and casualty and reinsurance from around the globe, including the U.S., Canada, Australia, Bahamas, and more, to San Antonio - a Texas city where innovation transformed a series of downtown drainage canals into its premiere River Walk tourist destination.   CNN's Medical Correspondent Dr. Sanjay Gupta kicked off the conference with a phenomenal opening session that drove home the theme of the conference, "Underwriting in a New Frontier:  Spurring Innovation."   Drawing from his own experience as a neurosurgeon treating critically injured medical patients in the field in Iraq, Gupta inspired audience members to think outside the box during the underwriting process. He shared a compelling story of operating on a soldier who had suffered a head-related trauma in a field hospital.  With minimal supplies available Gupta used a Black and Decker saw to operate on the soldier's head and reduce pressure on his swelling brain. Drawing from this example, Gupta encouraged underwriters to think creatively, be innovative, and consider new tools and sources of information, such as social networking sites, during the underwriting process. So as you are looking at risk take into consideration all resources you have available.    Gupta also stressed the concept of IKIGAI - noting that individuals who believe that their life is worth living are less likely to die than are their counterparts without this belief.  How does one quantify this approach to life or thought process when evaluating risk?  Could this be something to consider as a "category" in the near future? How can this same belief in your own work spur innovation?   The role of technology was a hot topic of discussion throughout the conference.  Sessions delved into the latest in underwriting software to the rise of social media and how it is being increasingly integrated into underwriting process and solutions.  In one session a trio of panelists representing the carrier, producer and vendor communities stressed the importance to underwriters of leveraging new technology and the plethora of online information sources, which all could be used to accurately, honestly and consistently evaluate the risk throughout the underwriting process.   Another focused on the explosion of social media noting:  1.    Social media is growing exponentially - About eight percent of Americans used social media five years ago. Today about 46 percent of Americans do so, with 85 percent of financial services professionals using social media in their work.  2.    It will impact your business - Underwriters reconfirmed over and over that they are increasingly using "free" tools that are available in cyberspace in lieu of more costly solutions, such as inspection reports conducted by individuals in the field.  3.    Information is instantly available on the Web, anytime, anywhere - LinkedIn was mentioned as a way to connect to peers in the underwriting community and producers alike.  Many carriers and agents also are using Facebook to promote their company to customers - and as a point-of-entry to allow them to perform some functionality - such as accessing product marketing information versus directing users to go to the carrier's own proprietary website.  Other carriers have released their tight brand marketing to allow their producers to drive more business to their personal Facebook site where they offer innovative tools such as Application Capture or asking medical information in a more relaxed fashion.     Other key topics at the conference included the economy, ongoing industry consolidation, real-estate valuations as an asset and input into the underwriting process, and producer trends.  All stressed a "back to basics" approach for low cost, term products.   Finally, Connie Merritt, RN, PHN, entertained the large group of atttendees with audience-engaging insight on how to "Tame the Lions in Your Life - Dealing with Complainers, Bullies, Grump and Curmudgeon." Merritt noted "we are too busy for our own good." She shared how her overachieving personality had impacted her life.  Audience members then were asked to pick red, yellow, blue, or green shapes, without knowing that each one represented a specific personality trait.  For example, those who picked blue were the peacemakers. Those who choose yellow were social - the hint was to "Be Quiet Longer."  She then offered these "lion taming" steps:   1.    Admit It 2.    Accept It 3.    Let Go 4.    Be Present (which paralleled Gupta's IKIGAI concept)   When thinking about underwriting I encourage you to be present in the moment and think creatively, but don't be afraid to look ahead to the future and be an innovator.  I hope to see you at next year's AHOU Annual Conference, May 1-4, 2011 at The Mirage in Las Vegas, Nev.     Susan Keuer is the product strategy manager for new business underwriting.  She brings more than 20 years of insurance industry experience working with leading insurance carriers and technology companies to her role on the product strategy team for life/annuities solutions within the Oracle Insurance Global Business Unit  

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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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• Thou shalt not put code on a piedestal - Code is a tool, no more, no less

  - by Ralf Westphal

  “Write great code and everything else becomes easier” is what Paul Pagel believes in. That´s his version of an adage by Brian Marick he cites: “treat code as an end, not just a means.” And he concludes: “My post-Agile world is software craftsmanship.” I wonder, if that´s really the way to go. Will “simply” writing great code lead the software industry into the light? He´s alluding to the philosopher Kant who proposed, a human beings should never be treated as a means, but always as an end. But should we transfer this ethical statement into the world of software? I doubt it.   Reason #1: Human beings are categorially different from code. They are autonomous entities who need to find a way of living happily together. To Kant it seemed this goal could only be reached if nobody (ab)used a human being for his/her purposes. Because using a human being, i.e. treating it as a means, would contradict the fundamental autonomy and freedom of human beings. People should hold up a symmetric view of their relationships: Since nobody wants to be (ab)used, nobody should (ab)use anybody else. If you want to be treated decently, with respect, in accordance with your own free will - which means as an end - then do the same to other people. Code is dead, it´s a product, it´s a tool for people to reach their goals. No company spends any money on code other than to save money or earn money in the long run. Code is not a puppy. Enterprises do not commission software development to just feel good in its company. Code is not a buddy. Code is a slave, if you will. A mechanical slave, a non-tangible robot. Code is a tool, is a tool. And if we start to treat it differently, if we elevate its status unduely… I guess that will contort our relationship in a contraproductive way. Please get me right: Just because something is “just a tool”, “just a product” does not mean we should not be careful while designing, building, using it. Right to the contrary. We should be very careful when writing code – but not for the code´s sake! We should be careful because we respect our customers who are fellow human beings who should be treated as an end. If we are careless, neglectful, ignorant when producing code on their behalf, then we´re using them. Being sloppy means you´re caring more for yourself that for your customer. You´re then treating the customer as a means to fulfill some of your own needs. That´s plain unethical behavior.   Reason #2: The focus should always be on your purpose, not on any tool. But if code is treated as an end, then the focus is on the code. That might sound right, because where else should be your focus as a software developer? But, well, I´d say, your focus should be on delivering value to your customer. Because in the end your customer does not care if you write a single line of code. She just wants her problem to be solved. Solving problems is the purpose of any contractor. Code must be treated just as a means, a tool we know how to handle very well. But if we´re really trying to be craftsmen then we should be conscious about exactly that and act ethically. That means we must never be so focused on our tool as to be unable to suggest better solutions to the problems of our customers than code.   I´m all with Paul when he urges us to “Write great code”. Sure, if you need to write code, then by all means do so. Write the best code you can think of – and then try to improve it. Paul has all the best intentions when he signs Brians “treat code as an end” - but as we all know: “The road to hell is paved with best intentions” ;-) Yes, I can imagine a “hell of code focus”. In fact, I don´t need to imagine it, I´m seeing it quite often. Because code hell is whereever two developers stand together and are so immersed in talking about all sorts of coding tricks, design patterns, code smells, technologies, platforms, tools that they lose sight of the big picture. Talking about TDD or SOLID or refactoring is a sign of consciousness – relative to the “cowboy coders” view of the world. But from yet another point of view TDD, SOLID, and refactoring are just cures for ailments within a system. And I fear, if “Writing great code” is the only focus or the main focus of software development, then we as an industry lose the ability to see that. Focus draws a line around something, it defines a horizon for perceptions and thinking. So if we focus on code our horizon ends where “the land of code” ends. I don´t think that should be our professional attitude.   So what about Software Craftsmanship as the next big thing after Agility? I think Software Craftsmanship has an important message for all software developers and beyond. But to make it the successor of the Agility movement seems to miss a point. Agility never claimed to solve all software development problems, I´d say. So to blame it for having missed out on certain aspects of it is wrong. If I had to summarize Agility in one word I´d say “Value”. Agility put value for the customer back in software development. Focus on delivering value early and often – that´s Agility´s mantra. All else follows from that. And I ask you: Is that obsolete? Is delivering value not hip anymore? No, sure not. That´s our very purpose as software developers. So how can Agility become obsolete and need to be replaced? We need to do away with this “either/or”-thinking. It´s either Agility or Lean or Software Craftsmanship or whatnot. Instead we should start integrating concepts and movements. Think “both/and”. Think Agility plus Software Craftsmanship plus Lean plus whatnot. We don´t neet to tear down anything from a piedestal and replace it with a new idol. Instead we should do away with piedestals and arrange whatever is helpful is a circle. Then we can turn to concepts, movements for whatever they are best. After 10 years of Agility we should be able to identify what it was good at – and keep that. Keep Agility around and add whatever Agility was lacking or never concerned with. Add whatever is at the core of Software Craftsmanship. Add whatever is at the core of Lean etc. But don´t call out the age of Post-Agility. Because it better never will end. Because once we start to lose Agility´s core we´re losing focus of the customer.

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• Why Is Vertical Resolution Monitor Resolution so Often a Multiple of 360?

  - by Jason Fitzpatrick

  Stare at a list of monitor resolutions long enough and you might notice a pattern: many of the vertical resolutions, especially those of gaming or multimedia displays, are multiples of 360 (720, 1080, 1440, etc.) But why exactly is this the case? Is it arbitrary or is there something more at work? Today’s Question & Answer session comes to us courtesy of SuperUser—a subdivision of Stack Exchange, a community-driven grouping of Q&A web sites. The Question SuperUser reader Trojandestroy recently noticed something about his display interface and needs answers: YouTube recently added 1440p functionality, and for the first time I realized that all (most?) vertical resolutions are multiples of 360. Is this just because the smallest common resolution is 480×360, and it’s convenient to use multiples? (Not doubting that multiples are convenient.) And/or was that the first viewable/conveniently sized resolution, so hardware (TVs, monitors, etc) grew with 360 in mind? Taking it further, why not have a square resolution? Or something else unusual? (Assuming it’s usual enough that it’s viewable). Is it merely a pleasing-the-eye situation? So why have the display be a multiple of 360? The Answer SuperUser contributor User26129 offers us not just an answer as to why the numerical pattern exists but a history of screen design in the process: Alright, there are a couple of questions and a lot of factors here. Resolutions are a really interesting field of psychooptics meeting marketing. First of all, why are the vertical resolutions on youtube multiples of 360. This is of course just arbitrary, there is no real reason this is the case. The reason is that resolution here is not the limiting factor for Youtube videos – bandwidth is. Youtube has to re-encode every video that is uploaded a couple of times, and tries to use as little re-encoding formats/bitrates/resolutions as possible to cover all the different use cases. For low-res mobile devices they have 360×240, for higher res mobile there’s 480p, and for the computer crowd there is 360p for 2xISDN/multiuser landlines, 720p for DSL and 1080p for higher speed internet. For a while there were some other codecs than h.264, but these are slowly being phased out with h.264 having essentially ‘won’ the format war and all computers being outfitted with hardware codecs for this. Now, there is some interesting psychooptics going on as well. As I said: resolution isn’t everything. 720p with really strong compression can and will look worse than 240p at a very high bitrate. But on the other side of the spectrum: throwing more bits at a certain resolution doesn’t magically make it better beyond some point. There is an optimum here, which of course depends on both resolution and codec. In general: the optimal bitrate is actually proportional to the resolution. So the next question is: what kind of resolution steps make sense? Apparently, people need about a 2x increase in resolution to really see (and prefer) a marked difference. Anything less than that and many people will simply not bother with the higher bitrates, they’d rather use their bandwidth for other stuff. This has been researched quite a long time ago and is the big reason why we went from 720×576 (415kpix) to 1280×720 (922kpix), and then again from 1280×720 to 1920×1080 (2MP). Stuff in between is not a viable optimization target. And again, 1440P is about 3.7MP, another ~2x increase over HD. You will see a difference there. 4K is the next step after that. Next up is that magical number of 360 vertical pixels. Actually, the magic number is 120 or 128. All resolutions are some kind of multiple of 120 pixels nowadays, back in the day they used to be multiples of 128. This is something that just grew out of LCD panel industry. LCD panels use what are called line drivers, little chips that sit on the sides of your LCD screen that control how bright each subpixel is. Because historically, for reasons I don’t really know for sure, probably memory constraints, these multiple-of-128 or multiple-of-120 resolutions already existed, the industry standard line drivers became drivers with 360 line outputs (1 per subpixel). If you would tear down your 1920×1080 screen, I would be putting money on there being 16 line drivers on the top/bottom and 9 on one of the sides. Oh hey, that’s 16:9. Guess how obvious that resolution choice was back when 16:9 was ‘invented’. Then there’s the issue of aspect ratio. This is really a completely different field of psychology, but it boils down to: historically, people have believed and measured that we have a sort of wide-screen view of the world. Naturally, people believed that the most natural representation of data on a screen would be in a wide-screen view, and this is where the great anamorphic revolution of the ’60s came from when films were shot in ever wider aspect ratios. Since then, this kind of knowledge has been refined and mostly debunked. Yes, we do have a wide-angle view, but the area where we can actually see sharply – the center of our vision – is fairly round. Slightly elliptical and squashed, but not really more than about 4:3 or 3:2. So for detailed viewing, for instance for reading text on a screen, you can utilize most of your detail vision by employing an almost-square screen, a bit like the screens up to the mid-2000s. However, again this is not how marketing took it. Computers in ye olden days were used mostly for productivity and detailed work, but as they commoditized and as the computer as media consumption device evolved, people didn’t necessarily use their computer for work most of the time. They used it to watch media content: movies, television series and photos. And for that kind of viewing, you get the most ‘immersion factor’ if the screen fills as much of your vision (including your peripheral vision) as possible. Which means widescreen. But there’s more marketing still. When detail work was still an important factor, people cared about resolution. As many pixels as possible on the screen. SGI was selling almost-4K CRTs! The most optimal way to get the maximum amount of pixels out of a glass substrate is to cut it as square as possible. 1:1 or 4:3 screens have the most pixels per diagonal inch. But with displays becoming more consumery, inch-size became more important, not amount of pixels. And this is a completely different optimization target. To get the most diagonal inches out of a substrate, you want to make the screen as wide as possible. First we got 16:10, then 16:9 and there have been moderately successful panel manufacturers making 22:9 and 2:1 screens (like Philips). Even though pixel density and absolute resolution went down for a couple of years, inch-sizes went up and that’s what sold. Why buy a 19″ 1280×1024 when you can buy a 21″ 1366×768? Eh… I think that about covers all the major aspects here. There’s more of course; bandwidth limits of HDMI, DVI, DP and of course VGA played a role, and if you go back to the pre-2000s, graphics memory, in-computer bandwdith and simply the limits of commercially available RAMDACs played an important role. But for today’s considerations, this is about all you need to know. Have something to add to the explanation? Sound off in the the comments. Want to read more answers from other tech-savvy Stack Exchange users? Check out the full discussion thread here.     

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• Partner Blog Series: PwC Perspectives Part 2 - Jumpstarting your IAM program with R2

  - by Tanu Sood

  Identity and access management (IAM) isn’t a new concept. Over the past decade, companies have begun to address identity management through a variety of solutions that have primarily focused on provisioning. . The new age workforce is converging at a rapid pace with ever increasing demand to use diverse portfolio of applications and systems to interact and interface with their peers in the industry and customers alike. Oracle has taken a significant leap with their release of Identity and Access Management 11gR2 towards enabling this global workforce to conduct their business in a secure, efficient and effective manner. As companies deal with IAM business drivers, it becomes immediately apparent that holistic, rather than piecemeal, approaches better address their needs. When planning an enterprise-wide IAM solution, the first step is to create a common framework that serves as the foundation on which to build the cost, compliance and business process efficiencies. As a leading industry practice, IAM should be established on a foundation of accurate data for identity management, making this data available in a uniform manner to downstream applications and processes. Mature organizations are looking beyond IAM’s basic benefits to harness more advanced capabilities in user lifecycle management. For any organization looking to embark on an IAM initiative, consider the following use cases in managing and administering user access. Expanding the Enterprise Provisioning Footprint Almost all organizations have some helpdesk resources tied up in handling access requests from users, a distraction from their core job of handling problem tickets. This dependency has mushroomed from the traditional acceptance of provisioning solutions integrating and addressing only a portion of applications in the heterogeneous landscape Oracle Identity Manager (OIM) 11gR2 solves this problem by offering integration with third party ticketing systems as “disconnected applications”. It allows for the existing business processes to be seamlessly integrated into the system and tracked throughout its lifecycle. With minimal effort and analysis, an organization can begin integrating OIM with groups or applications that are involved with manually intensive access provisioning and de-provisioning activities. This aspect of OIM allows organizations to on-board applications and associated business processes quickly using out of box templates and frameworks. This is especially important for organizations looking to fold in users and resources from mergers and acquisitions. Simplifying Access Requests Organizations looking to implement access request solutions often find it challenging to get their users to accept and adopt the new processes.. So, how do we improve the user experience, make it intuitive and personalized and yet simplify the user access process? With R2, OIM helps organizations alleviate the challenge by placing the most used functionality front and centre in the new user request interface. Roles, application accounts, and entitlements can all be found in the same interface as catalog items, giving business users a single location to go to whenever they need to initiate, approve or track a request. Furthermore, if a particular item is not relevant to a user’s job function or area inside the organization, it can be hidden so as to not overwhelm or confuse the user with superfluous options. The ability to customize the user interface to suit your needs helps in exercising the business rules effectively and avoiding access proliferation within the organization. Saving Time with Templates A typical use case that is most beneficial to business users is flexibility to place, edit, and withdraw requests based on changing circumstances and business needs. With OIM R2, multiple catalog items can now be added and removed from the shopping cart, an ecommerce paradigm that many users are already familiar with. This feature can be especially useful when setting up a large number of new employees or granting existing department or group access to a newly integrated application. Additionally, users can create their own shopping cart templates in order to complete subsequent requests more quickly. This feature saves the user from having to search for and select items all over again if a request is similar to a previous one. Advanced Delegated Administration A key feature of any provisioning solution should be to empower each business unit in managing their own access requests. By bringing administration closer to the user, you improve user productivity, enable efficiency and alleviate the administration overhead. To do so requires a federated services model so that the business units capable of shouldering the onus of user life cycle management of their business users can be enabled to do so. OIM 11gR2 offers advanced administrative options for creating, managing and controlling business logic and workflows through easy to use administrative interface and tools that can be exposed to delegated business administrators. For example, these business administrators can establish or modify how certain requests and operations should be handled within their business unit based on a number of attributes ranging from the type of request or the risk level of the individual items requested. Closed-Loop Remediation Security continues to be a major concern for most organizations. Identity management solutions bolster security by ensuring only the right users have the right access to the right resources. To prevent unauthorized access and where it already exists, the ability to detect and remediate it, are key requirements of an enterprise-grade proven solution. But the challenge with most solutions today is that some of this information still exists in silos. And when changes are made to systems directly, not all information is captured. With R2, oracle is offering a comprehensive Identity Governance solution that our customer organizations are leveraging for closed loop remediation that allows for an automated way for administrators to revoke unauthorized access. The change is automatically captured and the action noted for continued management. Conclusion While implementing provisioning solutions, it is important to keep the near term and the long term goals in mind. The provisioning solution should always be a part of a larger security and identity management program but with the ability to seamlessly integrate not only with the company’s infrastructure but also have the ability to leverage the information, business models compiled and used by the other identity management solutions. This allows organizations to reduce the cost of ownership, close security gaps and leverage the existing infrastructure. And having done so a multiple clients’ sites, this is the approach we recommend. In our next post, we will take a journey through our experiences of advising clients looking to upgrade to R2 from a previous version or migrating from a different solution. Meet the Writers:   Praveen Krishna is a Manager in the Advisory Security practice within PwC.  Over the last decade Praveen has helped clients plan, architect and implement Oracle identity solutions across diverse industries.  His experience includes delivering security across diverse topics like network, infrastructure, application and data where he brings a holistic point of view to problem solving. Dharma Padala is a Director in the Advisory Security practice within PwC.  He has been implementing medium to large scale Identity Management solutions across multiple industries including utility, health care, entertainment, retail and financial sectors.   Dharma has 14 years of experience in delivering IT solutions out of which he has been implementing Identity Management solutions for the past 8 years. Scott MacDonald is a Director in the Advisory Security practice within PwC.  He has consulted for several clients across multiple industries including financial services, health care, automotive and retail.   Scott has 10 years of experience in delivering Identity Management solutions. John Misczak is a member of the Advisory Security practice within PwC.  He has experience implementing multiple Identity and Access Management solutions, specializing in Oracle Identity Manager and Business Process Engineering Language (BPEL). Jenny (Xiao) Zhang is a member of the Advisory Security practice within PwC.  She has consulted across multiple industries including financial services, entertainment and retail. Jenny has three years of experience in delivering IT solutions out of which she has been implementing Identity Management solutions for the past one and a half years.

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• Partner Blog Series: PwC Perspectives - Looking at R2 for Customer Organizations

  - by Tanu Sood

  Welcome to the first of our partner blog series. November Mondays are all about PricewaterhouseCoopers' perespective on Identity and R2. In this series, we have identity management experts from PricewaterhouseCoopers (PwC) share their perspective on (and experiences with) the recent identity management release, Oracle Identity Management R2. The purpose of the series is to discuss real world identity use cases that helped shape the innovations in the recent R2 release and the implementation strategies that customers are employing today with expertise from PwC. Part 1: Looking at R2 for Customer Organizations In this inaugural post, we will discuss some of the new features of the R2 release of Oracle Identity Manager that some of our customer organizations are implementing today and the business rationale for those. Oracle's R2 Security portfolio represents a solid step forward for a platform that is already market-leading.  Prior to R2, Oracle was an industry titan in security with reliable products, expansive compatibility, and a large customer base.  Oracle has taken their identity platform to the next level in their latest version, R2.  The new features include a customizable UI, a request catalog, flexible security, and enhancements for its connectors, and more. Oracle customers will be impressed by the new Oracle Identity Manager (OIM) business-friendly UI.  Without question, Oracle has invested significant time in responding to customer feedback about making access requests and related activities easier for non-IT users.  The flexibility to add information to screens, hide fields that are not important to a particular customer, and adjust web themes to suit a company's preference make Oracle's Identity Manager stand out among its peers.  Customers can also expect to carry UI configurations forward with minimal migration effort to future versions of OIM.  Oracle's flexible UI will benefit many organizations looking for a customized feel with out-of-the-box configurations. Organizations looking to extend their services to end users will benefit significantly from new usability features like OIM’s ‘Catalog.’  Customers familiar with Oracle Identity Analytics' 'Glossary' feature will be able to relate to the concept.  It will enable Roles, Entitlements, Accounts, and Resources to be requested through the out-of-the-box UI.  This is an industry-changing feature as customers can make the process to request access easier than ever.  For additional ease of use, Oracle has introduced a shopping cart style request interface that further simplifies the experience for end users.  Common requests can be setup as profiles to save time.  All of this is combined with the approval workflow engine introduced in R1 that provides the flexibility customers need to meet their compliance requirements. Enhanced security was also on the list of features Oracle wanted to deliver to its customers.  The new end-user UI provides additional granular access controls.  Common Help Desk use cases can be implemented with ease by updating the application profiles.  Access can be rolled out so that administrators can only manage a certain department or organization.  Further, OIM can be more easily configured to select which fields can be read-only vs. updated.  Finally, this security model can be used to limit search results for roles and entitlements intended for a particular department.  Every customer has a different need for access and OIM now matches this need with a flexible security model. One of the important considerations when selecting an Identity Management platform is compatibility.  The number of supported platform connectors and how well it can integrate with non-supported platforms is a key consideration for selecting an identity suite.  Oracle has a long list of supported connectors.  When a customer has a requirement for a platform not on that list, Oracle has a solution too.  Oracle is introducing a simplified architecture called Identity Connector Framework (ICF), which holds the potential to simplify custom connectors.  Finally, Oracle has introduced a simplified process to profile new disconnected applications from the web browser.  This is a useful feature that enables administrators to profile applications quickly as well as empowering the application owner to fulfill requests from their web browser.  Support will still be available for connectors based on previous versions in R2. Oracle Identity Manager's new R2 version has delivered many new features customers have been asking for.  Oracle has matured their platform with R2, making it a truly distinctive platform among its peers. In our next post, expect a deep dive into use cases for a customer considering R2 as their new Enterprise identity solution. In the meantime, we look forward to hearing from you about the specific challenges you are facing and your experience in solving those. Meet the Writers Dharma Padala is a Director in the Advisory Security practice within PwC.  He has been implementing medium to large scale Identity Management solutions across multiple industries including utility, health care, entertainment, retail and financial sectors.   Dharma has 14 years of experience in delivering IT solutions out of which he has been implementing Identity Management solutions for the past 8 years. Scott MacDonald is a Director in the Advisory Security practice within PwC.  He has consulted for several clients across multiple industries including financial services, health care, automotive and retail.   Scott has 10 years of experience in delivering Identity Management solutions. John Misczak is a member of the Advisory Security practice within PwC.  He has experience implementing multiple Identity and Access Management solutions, specializing in Oracle Identity Manager and Business Process Engineering Language (BPEL). Jenny (Xiao) Zhang is a member of the Advisory Security practice within PwC.  She has consulted across multiple industries including financial services, entertainment and retail. Jenny has three years of experience in delivering IT solutions out of which she has been implementing Identity Management solutions for the past one and a half years. Praveen Krishna is a Manager in the Advisory  Security practice within PwC.  Over the last decade Praveen has helped clients plan, architect and implement Oracle identity solutions across diverse industries.  His experience includes delivering security across diverse topics like network, infrastructure, application and data where he brings a holistic point of view to problem solving.

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• Simplifying Human Capital Management with Mobile Applications

  - by HCM-Oracle

  By Aaron Green If you're starting to think 'mobility' is a recurring theme in your reading, you'd be right. For those who haven't started to build organisational capabilities to leverage it, it's fair to say you're late to the party. The good news: better late than never. Research firm eMarketer says the worldwide smartphone audience will total 1.75 billion this year, while communications technology and services provider Ericsson suggests smartphones will triple to 5.6 billion globally by 2019. It should be no surprise, smart phone adoption is reaching the farthest corners of the globe; the subsequent impact of enterprise applications enabled by these devices is driving business performance improvement and will continue to do so. Companies using advanced workforce analytics can add significantly to the bottom line, while impacting customer satisfaction, quality and productivity. It's a statement that makes most business leaders sit forward in their chairs. Achieving these three standards is like sipping The Golden Elixir for the business world. No-one would argue their importance. So what are 'advanced workforce analytics?' Simply, they're unprecedented access to workforce trends and performance markers. Many are made possible by a mobile world and the enterprise applications that come with it on smart devices. Some refer to it as 'the consumerisation of IT'. As this phenomenon has matured and become more widely appreciated it has impacted the spectrum of functional units within an enterprise differently, but powerfully. Whether it's sales, HR, marketing, IT, or operations, all have benefited from a more mobile approach. It has been the catalyst for improvement in, and management of, the employee experience. The net result of which is happier customers. The obvious benefits but the lesser realised impact Most people understand that mobility allows for greater efficiency and productivity, collaboration and flexibility, but how that translates into business outcomes within the various functional groups is lesser known. In actuality mobility has helped galvanise partnerships between cross-functional groups within the enterprise. Where in some quarters it was once feared mobility could fragment a workforce, its rallying cry of support is coming from what you might describe as an unlikely source - HR. As the bedrock of an enterprise, it is conceivable HR might contemplate the possible negative impact of a mobile workforce that no-longer sits in an office, at the same desks every day. After all, who would know what they were doing or saying? How would they collaborate? It's reasonable to see why HR might have a legitimate claim to try and retain as much 'perceived control' as possible. The reality however is mobility has emancipated human capital and its management. Mobility and enterprise applications are expediting decision making. Google calls it Zero Moment of Truth, or ZMOT. It enables smoother operation and can contribute to faster growth. From a collaborative perspective, with the growing use of enterprise social media, which in many cases is being driven by HR, workforce planning and the tangible impact of change is much easier to map. This in turn provides a platform from which individuals and teams can thrive. With more agility and ability to anticipate, staff satisfaction and retention is higher, and real time feedback constant. The management team can save time, energy and costs with more accurate data, which is then intelligently applied across the workforce to truly engage with staff, customers and partners. From a human capital management (HCM) perspective, mobility can help you close the loop on true talent management. It can enhance what managers can offer and what employees can provide in return. It can create nested relationships and powerful partnerships. IT and HR - partners and stewards of mobility One effect of enterprise mobility is an evolution in the nature of the relationship between HR and IT from one of service provision to partnership. The reason for the dynamic shift is largely due to the 'bring your own device' (BYOD) movement, which is transitioning to a 'bring your own application' (BYOA) scenario. As enterprise technology has in some ways reverse-engineered its solutions to help manage this situation, the partnership between IT (the functional owner) and HR (the strategic enabler) is deeply entrenched. And it has to be. The CIO and the HR leader are faced with compliance and regulatory issues and concerns around information security and personal privacy on a daily basis, complicated by global reach and varied domestic legislation. There are tens of thousands of new mobile apps entering the market each month and, unlike many consumer applications which get downloaded but are often never opened again after initial perusal, enterprise applications are being relied upon by functional groups, not least by HR to enhance people management. It requires a systematic approach across all applications in use within the enterprise in order to ensure they're used to best effect. No turning back, and no desire to With real time analytics on performance and the ability for immediate feedback, there is no turning back for managers. In my experience with Oracle, our customers' operational efficiency is at record levels. It's clear as a result of the combination of individual KPIs and organisational goals, CIOs have been able to give HR leaders the ability to build predictive models that feed into an enterprise organisations' evolving strategy. It also helps them ensure regulatory compliance much more easily. Once an arduous task, with mobile enabled automation and quality data, compliance is simpler. Their world has changed for the better. For the CIO, mobility also assists them to optimise performance. While it doesn't come without challenges, mobile-enabled applications and the native experience users have with them means employees don't need high-level technical expertise to train users. It reduces the training and engagement required from the IT team so they can focus on other things that deliver value to the bottom line; all the while lowering the cost of assets and related maintenance work by simplifying processes. Rewards of a mobile enterprise outweigh risks With mobile tools allowing us to increasingly integrate our personal and professional lives, terms like "office hours" are becoming irrelevant, so work/life balance is a cultural must. Enterprises are expected to offer tools that enable workers to access information from anywhere, at any time, from any device. Employees want simplicity and convenience but it doesn't stop at private enterprise. This is a societal shift. Governments, which traditionally have been known to be slower to adopt newer technology, are also offering support for local businesses to go mobile. Several state government websites have advice on how to create mobile apps and more. And as recently as last week the Victorian Minister for Technology Gordon Rich-Phillips unveiled his State government's ICT roadmap for the next two years, which details an increased use of the public cloud, as well as mobile communications, and improved access to online data-sets. Tech giants are investing significantly in solutions designed to simplify mobile deployment and enablement. The mobility trend is creating a wave of change in the industry and driving transformation in the enterprise. If you're not on that wave, the business risk continues to rise as your competitiveness drops. Aaron is the Vice President of HCM Strategy at Oracle Corporation where he is responsible for researching and identifying emerging trends in the practice of Human Resources and works to deliver industry-leading technology solutions. Other responsibilities include, ownership of Oracle's innovative HCM solutions across JAPAC and enabling organisations to transform and modernise their workforce tools. Follow him on Twitter @aaronjgreen

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• Beyond Cloud Technology, Enabling A More Agile and Responsive Organization

  - by sxkumar

  This is the second part of the blog “Clouds, Clouds Everywhere But not a Drop of Rain”. In the first part,  I was sharing with you how a broad-based transformation makes cloud more than a technology initiative, I will describe in this section how it requires people (organizational) and process changes as well, and these changes are as critical as is the choice of right tools and technology. People: Most IT organizations have a fairly complex organizational structure. There are different groups, managing different pieces of the puzzle, and yet, they don't always work together. Provisioning a new application therefore may require a request to float endlessly through system administrators, DBAs and middleware admin worlds – resulting in long delays and constant finger pointing.  Cloud users expect end-to-end automation - which requires these silos to be greatly simplified, if not completely eliminated.  Most customers I talk to acknowledge this problem but are quick to admit that such a transformation is hard. As hard as it may be, I am afraid that the status quo is no longer an option. Sticking to an organizational structure that was created ages back will not only impede cloud adoption,  it also risks making the IT skills increasingly irrelevant in a world that is rapidly moving towards converged applications and infrastructure.   Process: Most IT organizations today operate with a mindset that they must fully "control" access to any and all types of IT services. This in turn leads to people clinging on to outdated manual approval processes .  While requiring approvals for scarce resources makes sense, insisting that every single request must be manually approved defeats the very purpose of cloud. Not only this causes delays, thereby at least partially negating the agility benefits, it also results in gross inefficiency. In a cloud environment, self-service access should be governed by policies, quotas that the administrators can define upfront . For a cloud initiative to be successful, IT organizations MUST be ready to empower users by giving them real control rather than insisting on brokering every single interaction between users and the cloud resources. Technology: From a technology perspective, cloud is about consolidation, standardization and automation. A consolidated and standardized infrastructure helps increase utilization and reduces cost. Additionally, it  enables a much higher degree of automation - thereby providing users the required agility while minimizing operational costs.  Obviously, automation is the key to cloud. Unfortunately it hasn’t received as much attention within enterprises as it should have.  Many organizations are just now waking up to the criticality of automation and it still often gets relegated to back burner in favor of other "high priority" projects. However, it is important to understand that without the right type and level of automation, cloud will remain a distant dream for most enterprises. This in turn makes the choice of the cloud management software extremely critical.  For a cloud management software to be effective in an enterprise environment, it must meet the following qualifications: Broad and Deep Solution It should offer a broad and deep solution to enable the kind of broad-based transformation we are talking about.  Its footprint must cover physical and virtual systems, as well as infrastructure, database and application tiers. Too many enterprises choose to equate cloud with virtualization. While virtualization is a critical component of a cloud solution, it is just a component and not the whole solution. Similarly, too many people tend to equate cloud with Infrastructure-as-a-Service (IaaS). While it is perfectly reasonable to treat IaaS as a starting point, it is important to realize that it is just the first stepping stone - and on its own it can only provide limited business benefits. It is actually the higher level services, such as (application) platform and business applications, that will bring about a more meaningful transformation to your enterprise. Run and Manage Efficiently Your Mission Critical Applications It should not only be able to run your mission critical applications, it should do so better than before.  For enterprises, applications and data are the critical business assets  As such, if you are building a cloud platform that cannot run your ERP application, it isn't truly a "enterprise cloud".  Also, be wary of  vendors who try to sell you the idea that your applications must be written in a certain way to be able to run on the cloud. That is nothing but a bogus, self-serving argument. For the cloud to be meaningful to enterprises, it should adopt to your applications - and not the other way around.  Automated, Integrated Set of Cloud Management Capabilities At the root of many of the problems plaguing enterprise IT today is complexity. A complex maze of tools and technology, coupled with archaic  processes, results in an environment which is inflexible, inefficient and simply too hard to manage. Management tool consolidation, therefore, is key to the success of your cloud as tool proliferation adds to complexity, encourages compartmentalization and defeats the very purpose that you are building the cloud for. Decision makers ought to be extra cautious about vendors trying to sell them a "suite" of disparate and loosely integrated products as a cloud solution.  An effective enterprise cloud management solution needs to provide a tightly integrated set of capabilities for all aspects of cloud lifecycle management. A simple question to ask: will your environment be more or less complex after you implement your cloud? More often than not, the answer will surprise you.  At Oracle, we have understood these challenges and have been working hard to create cloud solutions that are relevant and meaningful for enterprises.  And we have been doing it for much longer than you may think. Oracle was one of the very first enterprise software companies to make our products available on the Amazon Cloud. As far back as in 2007, we created new cloud solutions such as Cloud Database Backup that are helping customers like Amazon save millions every year.  Our cloud solution portfolio is also the broadest and most deep in the industry  - covering public, private, hybrid, Infrastructure, platform and applications clouds. It is no coincidence therefore that the Oracle Cloud today offers the most comprehensive set of public cloud services in the industry.  And to a large part, this has been made possible thanks to our years on investment in creating cloud enabling technologies. I will dedicated the third and final part of the blog “Clouds, Clouds Everywhere But not a Drop of Rain” to Oracle Cloud Technologies Building Blocks and how they mapped into our vision of Enterprise Cloud. Stay Tuned.

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• Software or Photoshop plugins for professional photo album design

  - by Iain Fraser

  I am a graphic designer (among other things) and I'm used to doing magazine advertisements, brochures, posters and that sort of thing. Recently I was approached by a photographer who wants a graphic designer to produce wedding albums for him. I have already done a couple for him but I'm finding it hard to work by just arranging my layouts in Photoshop alone. It's very time consuming, but quite repetitive - especially when you're dealing with common page layouts. I know a lot of photographers use album design software to speed up the process a bit. What's the industry standard in terms of album design software?

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• Feed Reader's - Looking for some suggestions

  - by bryan_ruiz

  I am doing my best to make it a point to keep an eye on some blogs of people in my industry, and am looking for a good feed reader. I use chrome. I live in chrome, and if I am not in Chrome, I am using xterm. Yet, I do get my tweets in Pidgin and do all my talking discussion from that. Maybe it makes sense to integrate something in that? I see web feed readers as a bit too distant to make good use of it (eg, have to open a page, and less 'in your face'). Although, I am a big fan of google stuff and use google apps and google voice and google cals and google docs, etc.. So how is feedburner? I like to preserver time. It'd be interesting if I could read my feeds offline on my laptop or ChromeOS CR-48 with offline websites? Well, would love to hear what you guys are doing and suggest.

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• Disabling the Driver Region on a Mac

  - by Cawas

  So, this is the first time I try to watch a DVD disc on my (new) Mac and I wonder if I can keep it as fresh-new by not choosing any region and just play discs from anywhere. I understand the media industry made that lock for copyright and whatever, but do I absolutely have to choose a region to be able to play disks, even if I got original ones from different places? Why can I "change region" just 5 times, why even allowing changing? Also, on a side-note, I wonder how to disable the regular DVD Player.

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• Independent SharePoint Trainer in DC ~ I conduct, teacher-led SHAREPOINT user training anywhere ~

  - by technical-trainer-pro

  Your options: "*interactive" hands-on VIRTUAL or CLASSROOM style training to all SharePoint Users & Site Admin owners.* I also develop customized classes tailored to the specific design of any SharePoint Site - acting as the translator for those left to understand and use it, on an everyday basis. Audience: users,clients,stakeholders,trainers Areas: functionality,operations,management, user site customization,ITIL training, governance process,change mangement and industry or client specific scenerios. INDIVIDUAL RATE- $300 to join any class *(1)* GROUP RATE - $1500 for a private group of (6-10) Flexible Scheduling contact me : [email protected] Local to DC/MD/VA ---can train hands-on anywhere~

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• Linux FHS: /srv vs /var ... where do I put stuff?

  - by wag2639

  My web development experience has started with Fedora and RHEL but I'm transitioning to Ubuntu. In Fedora/RHEL, the default seems to be using the /var folder while Ubuntu uses /srv. Is there any reason to use one over the other and where does the line split? (It confused me so much that until very recently, I thought /srv was /svr for server/service) My main concern deals with two types of folders default www and ftp directories specific application folders like: samba shares (possibly grouped under a smb folder) web applications (should these go in www folder, or do can I do a symlink to its own directory like "_/www/wordpress" - "/srv/wordpress") I'm looking for best practice, industry standards, and qualitative reasons for which approach is best (or at least why its favored).

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• What are the best code-less website design sites available?

  - by Ken Pespisa

  I'm looking for an alternative to www.squarespace.com. Squarespace is great, but leans slightly toward the social networking industry. I'm looking for a simple way to build Web sites for small businesses. The criteria is the following: Requires no programming knowledge. No software to download - all design and maintenance can be done via browser Has a good selection of templates and layouts Essentially I'm looking for the features within Typepad.com or WordPress.com, but instead of focusing around a blog it would help build a more traditional Web site.

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• Matte or non-widescreen laptop? Do they exist?

  - by Alan Harris-Reid

  Does anyone know of any matte-screen laptops being sold now (15.6 or 17") in the UK? All I can find is the Dell Vostro 3500/3700 range, but there is a premium of around £200 over the price of their Inspiron range (for the 17" model), and I find it hard justifying the extra cost just to have a matte screen. I do not like glossy screens, but it seems the laptop industry has gone the way of "glossy is better - let's get rid of matte". I have read and heard from other developers that as long as there are no strong light sources to reflect off the screen, one can soon get used to a glossy screen, but I am yet to be convinced. I would also be interested if anyone knows of any non 16:9 screen laptops. I find this ratio too wide and not high-enough for the work I do. 16:10 or lower would be better. Any opinions would be appreciated. Alan

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• How to consolidate servers with the not-very-strong infrastructure

  - by Sim

  All, Situation We are in retail industry with about 10 distributors and use Solomon as the standard ERP for all our systems Each distributor has 1 HQ and 5 - 10 branches, each branch has their own server (Windows 2000/XP/2003 + Solomon + another built-in POS system) Everyday, branches has to extract data and send (via email/Skype) to HQ for data consolidation purpose When we first deployed our ERP, the infrastructure (e.g. Internet connection) wasn't reliable enough. That's why we went with the de-centralized model (each branch got their own server) Now, the infrastructure is mature already. And we need to consolidate data more quickly (not from branches -- HQ -- our company but something like HQ -- our company only) Goal We just have Solomon servers in distributor HQ. All the transactions in branches (retrieved from POS) will by synchronized with HQ server directly) There is a backup plan just in case the Internet goes down, or HQ server goes down Question With the above question, could you guys suggests some model for me ? Should we use Terminal services, any other solutions ? Any watchout/suggestions ? Any good article to read 'bout this ? Thanks a lot

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• How Often Do Windows Servers Need to be Restarted?

  - by Evan

  A little background: We have several Windows servers (2003, 2008) for our department. We're a division of IT so we manage our own servers. Of the four of us here I'm the only one with a slight amount of IT knowledge. (Note the "slight amount".) My boss says the servers need to be restarted at least weekly. I disagree. Our IT Department says that because she restarts them constantly that's the reason why our hard drives fail and power supplies go out on them. (That's happened to a few of our servers a couple times over the last four years, and very recently.) So the question is: How often does everyone restart their Windows servers? Is there an industry standard or recommendation? Is our IT department correct in saying that because we re-start that's why we're having hardware issues? (I need a reason if I'm going to change her mind!)

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• Does an unmanaged 4/8-port GBit Ethernet switch with a GBIC port exist?

  - by Aaron Digulla

  I'm looking for a simple unmanaged switch with 4-8 GBit Ethernet ports and a fiber port (either as a GBIC slot or pre-installed with a 1000BASE-SX port). Does something like that exist? [EDIT] I want to connect to places in my home without drilling large holes though the floors. Therefore, I'm looking for a cheap way to connect two GBit switches via fiber. I tried with a media converter (GBit <- multimode fiber) but that costs about 50% throughput. So I was hoping that there is a cheap, small GBit switch which has a GBIC slot). All I found so far are very expensive managed switches with 12 or 24 ports for industry use.

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• Suggest Wireless AP

  - by sunny

  I'm doing a data and voice install for a client in the hotel industry. I'm done with voice and am looking for my options to provide a Wireless AP. The building's dimensions are 100ft X 50ft. There are a ton of options out there which have left me confused now. Please help me decide. I am not clear as to how I should ensure that the Wireless Network is visible throughout the premises. Personally I would love to setup a WDS on 3-4 linksys wrt54gl routers using OpenWRT. Is this advisable? If not please recommend some other AP's. If a more expensive appliance is absolutely necessary, then please suggest something that can be powered using IEEE 802.3af PoE. Thanks

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• Incident Management-Monitoring Ideas

  - by sprsr

  Hello all, What we are tring to do at our company (banking industry) is to apply some ITIL (Information Technology Infrastructure Library) principles and I need some ideas to develop our incident management system of our company. For those who have experienced with incident management, what are the things that helps you most ? What are the things that you can't live without while managing the incidents. Do you have some good screenshots of such a monitoring software ? Since we choosed to develop our own system instead of buying a big system, there are lots of things we may miss, and we are brainstorming here. I need some key points that most crucial in incident management and monitoring. Thanks.

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• Sending large files - do any vendors sell their solution?

  - by Rob Nicholson

  We currently have an account with www.mailbigfile.com to allow us to send & receive files which exceed our client's email limits. In our industry, a 10MB limit is not unknown. Mailbigfile works fine for what it is but increasingly, our clients are starting to block it as a security risk. A solution would be for us to license the software and run it from our own web server which is far less likely to be blocked. Does anyone know of vendors in this market? We are looking at web collaboration systems but that's a much bigger project. The technology behind www.mailbigfile.com isn't that complex (http upload, email notification and then http download) so I'm hoping it won't be very expensive. Cheers, Rob.

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• Ideas of subjects for Diplomas for students who are getting Network Engineering degree

  - by wik

  Looking for an ideas and solutions of possible problems to be used as a part of pre-diploma practice for students who getting Network Engineering degree. The important requirement: The problem must be solved by designing new device or software which incorporate(or improve) with existent device. It's could be something industry specific, particular problem, etc. Thanks. p.s. The time for writing diploma is also limited by few month here, i.e. it's will be hard to solve very complex problems, but would be nice to hear something fresh :)

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