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• Cloud Deployment Models

  - by B R Clouse

  Normal 0 false false false EN-US X-NONE X-NONE As the cloud paradigm grows in depth and breadth, more readers are approaching the topic for the first time, or from a new perspective.  This blog is a basic review of  cloud deployment models, to help orient newcomers and neophytes. Most cloud deployments today are either private or public. It is also possible to connect a private cloud and a public cloud to form a hybrid cloud. A private cloud is for the exclusive use of an organization. Enterprises, universities and government agencies throughout the world are using private clouds. Some have designed, built and now manage their private clouds. Others use a private cloud that was built by and is now managed by a provider, hosted either onsite or at the provider’s datacenter. Because private clouds are for exclusive use, they are usually the option chosen by organizations with concerns about data security and guaranteed performance. Public clouds are open to anyone with an Internet connection. Because they require no capital investment from their users, they are particularly attractive to companies with limited resources in less regulated environments and for temporary workloads such as development and test environments. Public clouds offer a range of products, from end-user software packages to more basic services such as databases or operating environments. Public clouds may also offer cloud services such as a disaster recovery for a private cloud, or the ability to “cloudburst” a temporary workload spike from a private cloud to a public cloud. These are examples of a hybrid cloud. These are most feasible when the private and public clouds are built with similar technologies. Usually people think of a public cloud in terms of a user role, e.g., “Which public cloud should I consider using?” But someone needs to own and manage that public cloud. The company who owns and operates a public cloud is known as a public cloud provider. Oracle Database Cloud Service, Amazon RDS, database.com and Savvis Symphony Database are examples of public cloud database services. Normal 0 false false false EN-US X-NONE X-NONE /* Style Definitions */ table.MsoNormalTable {mso-style-name:"Table Normal"; mso-tstyle-rowband-size:0; mso-tstyle-colband-size:0; mso-style-noshow:yes; mso-style-priority:99; mso-style-qformat:yes; mso-style-parent:""; mso-padding-alt:0in 5.4pt 0in 5.4pt; mso-para-margin:0in; mso-para-margin-bottom:.0001pt; mso-pagination:widow-orphan; font-size:11.0pt; font-family:"Calibri","sans-serif"; mso-ascii-font-family:Calibri; mso-ascii-theme-font:minor-latin; mso-fareast-font-family:"Times New Roman"; mso-fareast-theme-font:minor-fareast; mso-hansi-font-family:Calibri; mso-hansi-theme-font:minor-latin; mso-bidi-font-family:"Times New Roman"; mso-bidi-theme-font:minor-bidi;} When evaluating deployment models, be aware that you can use any or all of the available options. Some workloads may be best-suited for a private cloud, some for a public or hybrid cloud. And you might deploy multiple private clouds in your organization. If you are going to combine multiple clouds, then you want to make sure that each cloud is based on a consistent technology portfolio and architecture. This simplifies management and gives you the greatest flexibility in moving resources and workloads among your different clouds. Oracle’s portfolio of cloud products and services enables both deployment models. Oracle can manage either model. Universities, government agencies and companies in all types of business everywhere in the world are using clouds built with the Oracle portfolio. By employing a consistent portfolio, these customers are able to run all of their workloads – from test and development to the most mission-critical -- in a consistent manner: One Enterprise Cloud, powered by Oracle.   /* 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:11.0pt; font-family:"Calibri","sans-serif"; mso-ascii-font-family:Calibri; mso-ascii-theme-font:minor-latin; mso-fareast-font-family:"Times New Roman"; mso-fareast-theme-font:minor-fareast; mso-hansi-font-family:Calibri; mso-hansi-theme-font:minor-latin; mso-bidi-font-family:"Times New Roman"; mso-bidi-theme-font:minor-bidi;}

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• Dependant care account, is it working for you?

  - by heshamelsaghir

  Well, NO.  my little three years old boys are very sick so I need to get them out of the day care.  they keep getting ear infection so bad even the ear tube is not working.  so, now do I give my $5000.00 to the government as a donation or keep my kids in the day care and loose the hearing?  what is going on? I was told I can change this Dependant care account ONLY in the case of a life change!  well, is not this a life change?  when a member of the family is very sick and has to go through an operation "Ear Tube", the operation does not work and keeps getting sick.  Would not this be a life change?

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• State of the (Commerce) Union: What the healthcare.gov hiccups teach us about the commerce customer experience

  - by Katrina Gosek

  Guest Post by Brenna Johnson, Oracle Commerce Product A lot has been said about the healthcare.gov debacle in the last week. Regardless of your feelings about the Affordable Care Act, there’s a hidden issue in this story that most of the American people don’t understand: delivering a great commerce customer experience (CX) is hard. It shouldn’t be, but it is. The reality of the government’s issues getting the healthcare site up and running smooth is something we in the online commerce community know too well.  If there’s one thing the botched launch of the site has taught us, it’s that regardless of the size of your budget or the power of an executive with a high-profile project, some of the biggest initiatives with the most attention (and the most at stake) don’t go as planned. It may even give you a moment of solace – we have the same issues! But why?  Organizations engage too many separate vendors with different technologies, running sections or pieces of a site to get live. When things go wrong, it takes time to identify the problem – and who or what is at the center of it. Unfortunately, this is a brittle way of setting up a site, making it susceptible to breaks, bugs, and scaling issues. But, it’s the reality of running a site with legacy technology constraints in today’s demanding, customer-centric market. This approach also means there’s also a lot of cooks in lots of different kitchens. You’ve got development and IT, the business and the marketing team, an external Systems Integrator to bring it all together, a digital agency or consultant, QA, product experts, 3rd party suppliers, and the list goes on. To complicate things, different business units are held responsible for different pieces of the site and managing different technologies. And again – due to legacy organizational structure and processes, this is all accepted as the normal State of the Union. Digital commerce has been commonplace for 15 years. Yet, getting a site live, maintained and performing requires orchestrating a cast of thousands (or at least, dozens), big dollars, and some finger-crossing. But it shouldn’t. The great thing about the advent of mobile commerce and the continued maturity of online commerce is that it’s forced organizations to think from the outside, in. Consumers – whether they’re shopping for shoes or a new healthcare plan – don’t care about what technology issues or processes you have behind the scenes. They just want it to work.  They want their experience to be easy, fast, and tailored to them and their needs – whatever they are. This doesn’t sound like a tall order to the American consumer – especially since they interact with sites that do work smoothly.  But the reality is that it takes scores of people, teams, check-ins, late nights, testing, and some good luck to get sites to run, and even more so at Black Friday (or October 1st) traffic levels.  The last thing on a customer’s mind is making excuses for why they can’t buy a product – just get it to work. So what is the government doing? My guess is working day and night to get the site performing  - and having to throw big money at the problem. In the meantime they’re sending frustrated online users to the call center, or even a location where a trained “navigator” can help them in-person to complete their selection. Sounds a lot like multichannel commerce (where broken communication between siloed touchpoints will only frustrate the consumer more). One thing we’ve learned is that consumers spend their time and money with brands they know and trust. When sites are easy to use and adapt to their needs, they tend to spend more, come back, and even become long-time loyalists. Achieving this may require moving internal mountains, but there’s too much at stake to ignore the sea change in how organizations are thinking about their customer. If the thought of re-thinking your internal teams, technologies, and processes sounds like a headache, think about the pain associated with losing valuable customers – and dollars. Regardless if you’re in B2B or B2C, it’s guaranteed that your competitors are making CX a priority. Those early to the game who have made CX a priority have already begun to outpace their competition. So as you’re planning for 2014, look to the news this week. Make sure the customer experience is a focus at your organization. Expectations are at record highs. Map your customer’s journey, and think from the outside, in. How easy is it for your customers to do business with you? If they interact with many touchpoints across your organization, are the call center, website, mobile environment, or brick and mortar location in sync? Do you have the technology in place to achieve this? It’s time to give the people what they want!

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• WHy CAps lock is too slow to turn off in Ubuntu?

  - by chtsrl

  *TH*is is a strange problem. *NO*tice how the beginning of my sentences include two capitals? Well, over the years I have developed a terrible habit... and it may be too late to fix. Instead of holding shift like a normal person to capitalize my works, I hit Caps Lock, then hit the letter, then hit Caps Lock again. PRetty weird huh? I Took an official government typing test recently and scored 99 words a minute, so it hasn't been a huge hindrance until now that I use Ubuntu. IN Ubuntu, often when I do my crazy method of typing, the Caps LOck won't turn off fast enough. IT's not my keyboard. I didn't have this problem in WIndows. IT's extremely annoying. Is there a cure for this? Took the question from Ubuntu forums because it's just explaining the same problem I am having here.

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• How to Build Business Links With SEO Value

  In order to create order and plan in the site and make it more identifiable by a business community around, SEO link building requires membership strategies that aid it in its automatic operations by following a universal hub with potential links. The starting point is to obtain a link with the national or regional authority of commerce through its website. This will give the site a licensed look and due to its frequent interaction with the government body it will be a confidence boost for other links. This will also help market it as a recognized site that is secure to communicate with.

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• HealthCare.Gov Fiasco

  - by jchang

  There will probably be consequences for delving into such a charged topic. But this has never stopped me before and I am too old to change my ways. So here goes. Many of us have of the problems with the online HealthCare.gov even though technical details are not yet available. First let me say that I am not singling out this particular project, as severe problems are common in government IT projects, and I suspect the incidence rate may be no different in private industry. Whereas other projects...(read more)

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• DDD: service contains two repository

  - by tikhop

  Does it correct way to have two repository inside one service and will it be an application or domain service? Suppose I have a Passenger object that should contains Passport (government id) object. I am getting Passenger from PassengerRepository. PassengerRepository create request to server and obtain data (json) than parse received data and store inside repository. I have confused because I want to store Passport as Entity and put it to PassportRepository but all information about password contains inside json than i received above. I guess that I should create a PassengerService that will be include PassengerRepository and PassportRepository with several methods like removePassport, addPassport, getAllPassenger and etc. UPDATE: So I guess that the better way is represent Passport as VO and store all passports inside Passenger aggregate. However there is another question: Where I should put the methods (methods calls server api) for management passenger's passport. I think the better place is so within Passenger aggregate.

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• Are there any actual examples of profitable programmer's "worker's cooperatives"?

  - by Wannabe Tycoon

  http://en.wikipedia.org/wiki/Worker_cooperative I'm curious whether there are, anywhere in the world, worker's cooperatives that center on a technology business that involves either programming, IT, or some sort of IT or programming related consulting or services. The wikipedia link above is an overview of the concept. The short form explanation is that a co-op is a worker-owned business. Also there is the notion that every worker owns shares in the business. I am interested in knowing whether an example of a "programmer's/IT co-op" even exists. Note: I am not talking about nor asking about a government-funded incubator nor any other socialized, state supported group. I also don't mean "co-working", which is renting an office with other self employed people doing their own thing. I mean a going, profitable IT business operating in a competitive environment that is worker-owned and run.

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• Which VCS is efficient for storing small changes to big text files?

  - by MiguelM

  A government agency publishes a text file with thousands of records. The entire file is about 60MB. Every day the file has about 60 new or changed records. We need to validate some info against that file, and for auditing purposes, we may need to recover the file as it was in certain date. I thought I could use a VCS to store the file using git, but I understand git stores the entire text file gzipped, so the 60BM file will still need about 30MB to store everyday version. I wonder if one of the free VCS stores only diff/patch files.

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• Which technologies will most affect Financial Services over the next decade? [on hold]

  - by opposite of you

  I couldn't quite think of a proper description, so as Wikipedia puts it so beautifully: Financial services are the economic services provided by the finance industry, which encompasses a broad range of organizations that manage money, including credit unions, banks, credit card companies, insurance companies, consumer finance companies, stock brokerages, investment funds and some government sponsored enterprises. These are quite a range of industries. I've already thought about how banks specifically have gotten involved with app markets allowing users to make transfers on the go, and this goes with cloud computing, but what else could there be apart from mobile technologies and cloud computing? Or how else could they be used? I feel like I'm thinking about this wrong.. Apart from mobile computing and cloud computing, what other examples will influence the sector either positively or negatively?

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• Cookieless Django - Django with no cookies

  - by phoebebright

  As I'm writing a django site from government bodies I'm not going to be able to use cookies. I found this snippet http://djangosnippets.org/snippets/1540/ but it's currently not allowing users to login. Before I start debugging I wondered if anyone else has solved this problem with this snippet or in any other way?

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• Why meta refresh followed by 2 redirects?

  - by twneale

  I have encountered several websites where the initial visit by a user results in a http-equiv refresh to another (usually gibberish) url, which then promptly redirects (302) to another gibberish url, which in turn immediately redirects to yet a fourth url that actually displays the landing page for the site. My question is: what the heck? Why would a server be set up to behave this way? Here is list of a few sites that do this: New York State Library - http://nysl.nysed.gov New York State Regulations provided by Westlaw - http://government.westlaw.com/linkedslice/default.asp?SP=nycrr-1000

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• XDocument unable to digest url in header if encountered twice

  - by Paul Connolly

  Hi there, I am consuming an xml response from a government gateway which contains a url in its root node twice (being firstly xsi:schemaLocation="http://www.govtalk.gov.uk/CM/envelope" and also xmlns="http://www.govtalk.gov.uk/CM/envelope") XDocument will only parse this if I pull out the second one (the xmlns one) from the node. Is there some way I can prepare XDocument to digest this repeated URL without having to manipulate the incoming xml in any way? Thanks Paul

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• CCATS needed for non-export iPhone app?

  - by Steve

  I'm getting ready to finally deploy my first iPhone app. The app uses SSL to connect to a REST web service. While reading the docs on deploying the app to the app store, I came across some drivel regarding having to go through a 30 - 60 day government vetting process just to ship an app that simply connects to an HTTPS server. My question is, since this is an export requirement, do apps that are only distributed in the US face this same restriction? Thanks

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• Set the Dropdown box as selected in Javascript

  - by Aruna

  I am using Javascript in my app. In my table, I have a column named industry which contains value like id 69 name :aruna username :aruna email :[email protected] password: bd09935e199eab3d48b306d181b4e3d1:i0ODTgVXbWyP1iFOV type : 3 industry: | Insurance | Analytics | EIS and Process Engineering actually this industry value is inserted from a dropdown box multi select.. now i am trying like on load to make my form as to contain these values where industry is dropdown box <select id="ind1" moslabel="Industry" onClick="industryfn();"mosreq="0" multiple="multiple" size="3" class="inputbox" name="industry1[]">'+ <option value="Banking and Financial Services">Banking and Financial Services</option> <option value="Insurance">Insurance</option> <option value="Telecom">Telecom</option> <option value="Government ">Government </option> <option value="Healthcare &amp; Life sciences">Healthcare & Life sciences</option> <option value="Energy">Energy</option> <option value="Retail &amp;Consumer products">Retail &Consumer products</option> <option value="Energy, resources &amp; utilities">Energy, resources & utilities</option> <option value="Travel and Hospitality">Travel and Hospitality</option> <option value="Manufacturing">Manufacturing</option> <option value="High Tech">High Tech</option> <option value="Media and Information Services">Media and Information Services</option> </select> How to keep the industry values(| Insurance | Analytics | EIS and Process Engineering ) as selected? EDIT: Window.onDomReady(function(){ user-get('industry'); $s=explode('|', $str) ? var selectedFields = new Array(); <?php for($i=1;$i<count($s);$i++){?> selectedFields.push("<?php echo $s[$i];?>"); <?php }?> for(i=1;i<selectedFields.length;i++) { var select=selectedFields[i]; for (var ii = 0; ii < document.getElementById('ind1').length; ii++) { var value=document.getElementById('ind1').options[ii].value; alert(value); alert(select); if(value==select) { document.getElementById('ind1').options[ii].selected=selected; }//If } //inner For }//outer For </script> i have tried the above the alert functions are working correctly. But the if loop didnt works correctly .. Why so ..Please help me....

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• Why loading of analytics blocks site loading?

  - by HasanGursoy

  Stupid government of Turkey have blocked Google's some IPs which were used for YouTube and now we can't access services like: translate, analytics. And the problem is some web-sites do not load until ga.js returns a response or request timeout. Even sometimes I'm expecting slow loading on stackoverflow and page load never completes. How can I make this web sites load faster and skip Google analytics files?

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• How to validate a Singaporean FIN?

  - by abigblackman

  Can anyone provide an algorithm to validate a Singaporean FIN? I know with a Singaporean NRIC I can validate it via modulo 11 and then compare the result to a lookup table but cannot find a similar lookup table for the FIN. I also do not know for sure if the modulo 11 is the correct method to validate. I am aware the government sells a algorithm for $400 but maybe someone knows a cheaper way. Bonus points for c# implementation.

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• What is the most difficult type of software to write?

  - by Austin

  This question just really interested me, so I got curious to know what the community thinks. What do you guys think is the most difficult type of software to write? I write government software and have found it's pretty hair-pulling, but I'm sure there are far worse things out there.

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• ASP.NET Dynamic Data Browser Compatibility

  - by Petras

  Could any experienced users of Dynamic Data comment on whether there are issues with it in: Internet Explorer 6 Safari Chrome Opera We are looking to use it on a public facing website and good old IE6 has many important users in government departments and large companies so it has to work there. The other browsers could also become an issue.

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• what functions should I include in my application ?

  - by MemoryLeak

  I want to define a time attendance system for government, and right now I am preparing a system requirement document, can someone give me some advices about what features/functions should I include in the system ?

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• How to skip Google Analytics loading?

  - by HasanGursoy

  Turkish government have blocked some IPs including Google Analytics. This caused all the web sites using alanytics to slow down and even not to load. How can we prevent this problem? How can we skip loading of ga.js if not available?

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• Show div from another website

  - by Joshua Slocum

  Is there a way to use an iframe or some other method of showing a named div from another website? I want to pull in some data from a government website into a google map and when they click the point I want the information from one of the divs on that page to display.

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• CEN/CENELEC Lacks Perspective

  - by trond-arne.undheim

  Over the last few months, two of the European Standardization Organizations (ESOs), CEN and CENELEC have circulated an unfortunate position statement distorting the facts around fora and consortia. For the benefit of outsiders to this debate, let's just say that this debate regards whether and how the EU should recognize standards and specifications from certain fora and consortia based on a process evaluating the openness and transparency of such deliverables. The topic is complex, and somewhat confusing even to insiders, but nevertheless crucial to the European economy. As far as I can judge, their positions are not based on facts. This is unfortunate. For the benefit of clarity, here are some of the observations they make: a)"Most consortia are in essence driven by technology companies making hardware and software solutions, by definition very few of the largest ones are European-based". b) "Most consortia lack a European presence, relevant Committees, even those that are often cited as having stronger links with Europe, seem to lack an overall, inclusive set of participants". c) "Recognising specific consortia specifications will not resolve any concrete problems of interoperability for public authorities; interoperability depends on stringing together a range of specifications (from formal global bodies or consortia alike)". d) "Consortia already have the option to have their specifications adopted by the international formal standards bodies and many more exercise this than the two that seem to be campaigning for European recognition. Such specifications can then also be adopted as European standards." e) "Consortium specifications completely lack any process to take due and balanced account of requirements at national level - this is not important for technologies but can be a critical issue when discussing cross-border issues within the EU such as eGovernment, eHealth and so on". f) "The proposed recognition will not lead to standstill on national or European activities, nor to the adoption of the specifications as national standards in the CEN and CENELEC members (usually in their official national languages), nor to withdrawal of conflicting national standards. A big asset of the European standardization system is its coherence and lack of fragmentation." g) "We always miss concrete and specific examples of where consortia referencing are supposed to be helpful." First of all, note that ETSI, the third ESO, did not join the position. The reason is, of course, that ETSI beyond being an ESO, also has a global perspective and, moreover, does consider reality. Secondly, having produced arguments a) to g), CEN/CENELEC has the audacity to call a meeting on Friday 25 February entitled "ICT standardization - improving collaboration in Europe". This sounds very nice, but they have not set the stage for constructive debate. Rather, they demonstrate a striking lack of vision and lack of perspective. I will back this up by three facts, and leave it there. 1. Since the 1980s, global industry fora and consortia, such as IETF, W3C and OASIS have emerged as world-leading ICT standards development organizations with excellent procedures for openness and transparency in all phases of standards development, ex post and ex ante. - Practically no ICT system can be built without using fora and consortia standards (FCS). - Without using FCS, neither the Internet, upon which the EU economy depends, nor EU institutions would operate. - FCS are of high relevance for achieving and promoting interoperability and driving innovation. 2. FCS are complementary to the formally recognized standards organizations including the ESOs. - No work will be taken away from the ESOs should the EU recognize certain FCS. - Each FCS would be evaluated on its merit and on the openness of the process that produced it. ESOs would, with other stakeholders, have a say. - ESOs could potentially educate and assist European stakeholders to engage more actively and constructively with FCS. - ETSI, also an ESO, seems to clearly recognize these facts. 3. Europe and its Member States have a strong voice in several of the most relevant global industry fora and consortia. - W3C: W3C was founded in 1994 by an Englishman, Sir Tim Berners-Lee, in collaboration with CERN, the European research lab. In April 1995, INRIA (Institut National de Recherche en Informatique et Automatique) in France became the first European W3C host and in 2003, ERCIM (European Research Consortium in Informatics and Mathematics), also based in France, took over the role of European W3C host from INRIA. Today, W3C has 326 Members, 40% of which are European. Government participation is also strong, and it could be increased - a development that is very much desired by W3C. Current members of the W3C Advisory Board includes Ora Lassila (Nokia) and Charles McCathie Nevile (Opera). Nokia is Finnish company, Opera is a Norwegian company. SAP's Claus von Riegen is an alumni of the same Advisory Board. - OASIS: its membership - 30% of which is European - represents the marketplace, reflecting a balance of providers, user companies, government agencies, and non-profit organizations. In particular, about 15% of OASIS members are governments or universities. Frederick Hirsch from Nokia, Claus von Riegen from SAP AG and Charles-H. Schulz from Ars Aperta are on the Board of Directors. Nokia is a Finnish company, SAP is a German company and Ars Aperta is a French company. The Chairman of the Board is Peter Brown, who is an Independent Consultant, an Austrian citizen AND an official of the European Parliament currently on long-term leave. - IETF: The oversight of its activities is by the Internet Architecture Board (IAB), since 2007 chaired by Olaf Kolkman, a Dutch national who lives in Uithoorn, NL. Kolkman is director of NLnet Labs, a foundation chartered to develop open source software and open source standards for the Internet. Other IAB members include Marcelo Bagnulo whose affiliation is the University Carlos III of Madrid, Spain as well as Hannes Tschofenig from Nokia Siemens Networks. Nokia is a Finnish company. Siemens is a German company. Nokia Siemens is a European joint venture. - Member States: At least 17 European Member States have developed Interoperability Frameworks that include FCS, according to the EU-funded National Interoperability Framework Observatory (see list and NIFO web site on IDABC). This also means they actively procure solutions using FCS, reference FCS in their policies and even in laws. Member State reps are free to engage in FCS, and many do. It would be nice if the EU adjusted to this reality. - A huge number of European nationals work in the global IT industry, on European soil or elsewhere, whether in EU registered companies or not. CEN/CENELEC lacks perspective and has engaged in an effort to twist facts that is quite striking from a publicly funded organization. I wish them all possible success with Friday's meeting but I fear all of the most important stakeholders will not be at the table. Not because they do not wish to collaborate, but because they just have been insulted. If they do show up, it would be a gracious move, almost beyond comprehension. While I do not expect CEN/CENELEC to line up perfectly in favor of fora and consortia, I think it would be to their benefit to stick to more palatable observations. Actually, I would suggest an apology, straightening out the facts. This works among friends and it works in an organizational context. Then, we can all move on. Standardization is important. Too important to ignore. Too important to distort. The European economy depends on it. We need CEN/CENELEC. It is an important organization. But CEN/CENELEC needs fora and consortia, too.

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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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• 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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