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Technology and Regulations Bringing Transformation in Saudi Arabia

Saudi Arabia has a strong financial system, with 24 institutions being licensed to carry out banking services as of August 2013, according to Saudi Arabian Monetary Agency. Twelve of these were classified as Saudi institutions, with the rest designated as branches of foreign banks.

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Posted by Thomas George

Biz-krieg': Where Business Intelligence Meets Search

Businesses love data. They want to hoard it, churn it, and analyze it to gain insights into their business. But data volumes from within (ERP, SCM, CRM, MES, etc.) and from outside (interest rates, income trends, GDP, weather, consumer trends, etc.) have been growing at a furious pace. It has reached a point where instead of feasting on the data, businesses have begun to get frustrated by it.

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Structural Changes Reshaping the US Mortgage Market

The US is the largest home loan market in the world with over 70 million mortgage holders and US$10 Trillion in loans outstanding. While the top 6 domestic banks corner a bulk of market share, the industry is rapidly getting ancillarized and specialized. Home ownership rates have not significantly fallen since the subprime crisis of 2007-2008 and are stabilizing at a healthy 65%.

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Gamification: From fun to business transformation

Consider a scenario where an employee is asked to play ‘Angry Birds’ at work. With gamification being adopted by organizations to enhance and supplement staff skills, an act that would have previously attracted admonishment might now even be encouraged. Organizations are now starting to realize that, as human beings, we are naturally driven by the need for validation, accomplishment, and status. Gamification leverages this need and utilizes it to a company’s benefit by influencing the design and execution of training and engagement programs.

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Posted by Wipro Insights
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Payment Services: Time for an Upgrade

The payments services industry is booming. Worldwide mobile payment transaction values will reach $235.4 billion by the end of 2013, a 44 percent rise from $163.1 billion in 2012.By 2017, the market will be worth $721 billion with more than 450 million users. On the flip side, payments are no longer the sole prerogative of banks. Thanks to digital disruptions, other payment service models have evolved, enabling non-banking players to provide similar services at lower costs, giving banks a run for their money.

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Move To Hybrid Cloud Inevitable

Gartner predicts that almost half of large enterprises will be engaged in a combined, public/private cloud operation, often described as “hybrid” cloud computing, four years from now. Enterprises are increasingly looking to private clouds to keep some of their core assets under their control while still moving to a cloud environment. According to the Cisco and Wipro commissioned Forrester Consulting study, hybrid cloud is becoming the new normal.

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Posted by Anuj Bhalla

Value Redefined – Boosting Margins in Western European Retailing

The retail landscape is going through a metamorphosis. Western Europe’s economic climate is still difficult, with austerity showing little signs of relenting. This poses continued challenges for retailers and shoppers. But at the same time it is encouraging retailers to explore new avenues and innovative customer-centric solutions to boost increasingly squeezed margins.

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Posted by Hari Shetty
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New Playground for Global Fashion Players – China & India

We have seen the Fashion Industry shifting focus from manufacturing to wholesale branding in the past and now experiencing another paradigm shift from focus on branding to customer experience. As Western Markets are saturating, the Apparel & Footwear companies are renewing their focus on growth in emerging markets.

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Posted by Amit Bhatia

As the Bar Rises for Telecom Equipment Innovation, New Approaches Emerge

The huge demand for telecom services worldwide has galvanized innovators, while also raising the bar on several fronts. As innovation in wireless and broadband technologies aims to increase capacity and service efficiencies

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Does Your Customer Service Process Delight Your Customer?

“Customer is King” is a cliché today. For organizations, the center of universe is its customers and banners proclaiming this are often displayed on service floors and customer touch-points. But how many customers think these businesses practice what they preach? Despite best efforts, businesses may not be able to deliver the experience that they aspire to or to the levels that customers demand.

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Mobility Trends to watch out for in the Semiconductor Industry

The semiconductor industry is ever changing and is not for the faint hearted. If we holistically look at the changing market dynamic

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Posted by Arvind Jayabal
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Smart money: How mobile technology is transforming the banking industry

Till a few years ago, nobody imagined that mobile phones would be used to transfer money and complete shopping transactions. But now, one doesn’t really have to visit a bank, stop by at an ATM, or carry a plastic credit or debit card to make purchases.

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Posted by Wipro Insights

Education in India: There’s still hope

As I waited to meet the principal, the teacher’s voice drifted out from the open classroom window. It was a dark room with the children on the floor. I couldn’t make out more from the outside. The voice was repeating “Kanha is a national park. It is open till 6pm in the summers and 4pm in the winters.” After 3 repetitions, he instructed the children to repeat after him, which they did.

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Posted by Anurag Behar

Collaborate and Innovate to Maximize Customer Value

Like several other things, the 21st century is redefining the notion of competitive advantage. In a knowledge economy, new products and services must be launched more accurately, much faster and with noticeably higher returns.

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The Role of HR in Planning for Economic Growth

Europe is set to bounce back from the economic factors that have disrupted businesses over the past few years. According to the World Bank’s Global Economic Prospects published in June 2013, Europe and Central Asia can expect a 2.8% growth in 2013. While there may still remain some development lag in Southern Europe, there are positive signs for development in the UK, France and Germany, which in turn, may allow them to capitalize on the growing demand in developing countries.

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Posted by Biplab Adhya
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Technology: A Key Enabler of Effective Governance

Recently, the Election Commission of India directed candidates to furnish social media account details when filing their nominations. Candidates also need to furnish payment information for activities including social media advertising, content creation, and salary payments to dedicated social media staff. Moves such as these allude to the growing influence of social media, and technology in general, on matters of governance and administration.

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Posted by Wipro Insights
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The Changing Face of Retail: Need for Integration

Last month, a friend was looking to buy a mobile phone, and casually mentioned this on his social network. He was amazed by the response. He received opinions, links to sites that reviewed products, and even reviews of retailers who sold mobile phones.

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Posted by Gaurav Mittal
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Business Agility: Key to Flexibility in Energy and Utilities

The combined market values of two of Germany’s largest electric utilities have fallen 76 percent since the financial tsunami of 2008. Clearly, the energy and utilities space has not escaped the ill-effects of the global crisis. Volatile demand and shrinking budgets continue to hit companies hard.

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Posted by Kiran Kumar
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The Wow Factor in Establishing Brand Loyalty

As mentioned in my earlier blog on Cultivating Brand Loyalty, I am a huge fan of coffee. Now, the truth is that occasionally I have been tempted to trade in my loyalty to Starbucks for an artisan coffee chain. Maybe one day I will try out a ‘Third Wave Coffee’ or pop into ‘Harris + Hoole’ the next time I am in London. For the moment, give me my skinny latte at the local Starbucks.

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Posted by Kathleen Ulrich

Nanomaterials and Solar Energy: Small resources for a big idea

What if a wire one billionth of a meter long could be the solution to harness the energy potential of the sun? What if tens of billions of such wires could be produced each second? Nanotechnology is fast providing answers to many questions that surround the modern day quest for energy efficiency.

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Posted by Wipro Insights
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Redefining Retail with the Right Technology Cocktail

Let’s face it. These are VUCA (Volatile, Uncertain, Complex, Ambiguous) times. We may have put the global economic crisis behind us, but the aftermath lingers on. Consider the retail space. True, consumers are opening their purse strings, but they’re doing it very selectively and expectations are sky high. They want the best product and the best price, encapsulated within the best shopping experience.

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Is the on-going data revolution truly delivering for CFOs & how?

Increasing use of technology and multiple touch points with the consumers has led to constant inflow of valuable data. IDC’s worldwide Big Data technology and services forecast shows that the market is expected to grow from $3.2 billion in 2010 to $16.9 billion in 2015. This represents a compound annual growth rate (CAGR) of 40%. But is the data really useful? Is the data actually delivering valuable insights and helping shape business strategies?

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Posted by K.R. Sanjiv

Sensorship – The sensor based data dimension

Bob wakes up to an alarm sound based on an ambient song at around 80bpm, the alarm system’s choice of genre based on his optimal heart rate for early morning starts. The alarm system varies genres according to Bob’s listening habits. Later, during his early morning jog, he picks up the pace at the post office, just past his convenience store, where an advertisement for coffee flashes on his smartphone.

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Posted by Wipro Insights
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Facing the Data Deluge: Risks & Opportunities for CFOs

While the world may be facing a crunch of several resources, the one thing that organizations have in abundance is data! And data is being used to sharpen strategies, improve operational efficiencies, and to drive innovation. According to Gartner, 15% of enterprises will adapt their information technology abilities for extreme data, socially mediated content and new connected devices.

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Posted by K.R. Sanjiv
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Cloud Services Adoption: Enterprises are making the move

Cloud services are going places. According to UK Consultant Ovum, businesses that were previously hesitant to adopt cloud services due to security concerns (like financial services), are now singing a different tune with capital markets all set to jump onto the cloud bandwagon

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Posted by Sheetal Mehta

Recession is the time to rethink and replenish

While watching the movie Bhag Milkha Bhag I started to notice how the runners use the time between the sprints. They use this time to prepare themselves to win the next event. They use the down time to rest their muscles, catch their breath and rethink their strategy and approach to competition. The best of the runners use the lean period to prepare for the next race.

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Posted by Abhijit Bhaduri
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Small wonders: The versatile applications of carbon nanotubes

What material would scientists choose if they were to build a 22,000 mile space elevator that extends beyond the skies? The answer is Carbon Nanotubes- a nanomaterial 300 times tougher than steel and as flexible as plastic. These wonder materials have been making once theoretical situations a possibility with their high elasticity, incredible strength and superior conductivity. Owing to the unique structure of their chemical bonds they are currently among the strongest materials known to man. The versatile features of carbon nanotubes have enabled potential applications across a number of industries including electronics, construction, biomedicine and healthcare.

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Posted by Wipro Insights
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MDM: The Cassandra Conundrum

Greek legend has it that when Apollo fell for the beautiful Cassandra, daughter of the King of Troy (nope, Brad Pitt wasn’t in the works then!), she spurned him. An angry Apollo, who had earlier provided her the gift of prophecy, cursed her saying that nobody would ever believe what she foretold. Looks like MDM consultants share the same fate, as of now at least.

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