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E.g., 2022-01-18
E.g., 2022-01-18
December 9, 2021
On December 7th, AWS experienced a widespread outage. When large public cloud providers have widescale issues, there can be, in non-technical terms, two results. The first is a widescale incident where customers realize they are essentially out of business. The second case may not be as broad, but several services are down. The first one is terrible, but at least there is one element of clarity:...
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December 8, 2021
Over the past year, ANG has been very active in providing insights on WFH (AKA “work from anywhere”), RTO (all flavors), and other topics related to how employees and employers will engage in 2022 and beyond. Samples of these insights include: Return-to-Office Planning: Q4 2021 and Q1 2022 Changes Return-to-Office Planning: Anticipated Changes for Q3 and Q4 What Will Digital...
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December 7, 2021
In August 2021, I wrote a blog article about digital COVID vaccine records, a form of digital health passports. At the time, it was a pilot program in New York City, as businesses toyed with ways to get patrons back into their establishments safely. I listed the pros and cons, noticing more cons than pros to this practice. The cons mostly concerned privacy, security, and the discomfort of being...
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December 6, 2021
As 2021 comes to a close, companies across all industries are assessing their performances and adjusting their strategies for 2022. Each industry has felt the impacts of the pandemic in different ways, but one critical challenge has impacted them all: talent. Reassessing Business Relations Several factors are contributing to the current talent challenge. Some employees, mainly baby boomers...
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December 1, 2021
California law requires companies determined to be data brokers to register with the California Attorney General on its website on or before January 31st after each year the business is determined to be a data broker. The law defines a data broker as “any business that knowingly collects and sells third parties the personal information of a consumer with whom the business does not have a direct...
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November 30, 2021
Insurers in North America have always preferred vertically focused (e.g. insurance specific) vendors, and a majority of solution providers in Aite-Novarica’s insurance coverage over the last decade are companies dedicated solely to building and supporting insurance industry products. There are many reasons for this, but the most prevalent are: Practical: Insurance is a complex, highly...
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November 30, 2021
JP Morgan Chase銀行が、米国内のリテール・コア・バンキング・システムをThought Machine社のクラウド・ソリューション:Vaultに置き換える話題です。 ■ JP Morgan Chase銀行の米国内コア・バンキング・システム更新 米国最大の銀行であるJPMorgan Chase銀行(以下JPM Chase)は、今後のリテール・ビジネス戦略として「Customer Centric」「Mobile First」「Digital Everything」を掲げ、それを実現するためには「Deep Integration」「World Class Data Capability」「パブリック・クラウド」など、テクノロジー活用が重要だとの考え方を表明していた。 2021年9月、米国の金融業界各誌が「JPM Chaseがリテール・コア・...
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November 29, 2021
Insurer budgets and priorities for 2022 look like those of prior years, but they also reflect adjustments to competitive and market changes the pandemic has brought. In most cases, insurers are adapting by placing additional focus on things that have been priorities for a long time. I recently had the opportunity to emcee an Insurer Client Virtual Panel webinar session to present findings from...
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November 29, 2021
イタリアのペイメント・ソリューション・プロバイダー:Nexi社の話題です。欧州有数の大手アクワイアラー/プロセッサーですが、柔軟なシステム・インフラを備えることで、フィンテック企業並みの新サービスを投入しており、欧州域内全体で次世代決済インフラの提供を目指しているようです。Aite-Novarica Groupでは、2021年Digital Wallet Impact Award受賞企業として同社のサービス概要をレポートにまとめました。 ■ 欧州決済インフラの課題 欧州では、1999年に統一通貨が導入されたものの、クレジット・カード決済のためのペイメント・バックボーンは、それ以前の仕組みのままのため、例えばドイツ発行のカードをフランスで利用した場合、通貨はユーロであるが決済手順はクロスボーダー扱いとなる(=決済コストが高い)。更にEコマースでは、人の動き以上に国をまたがった商流/...
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November 22, 2021
One of the great maritime concepts with direct application in the business world is “sea change.” Sea changes are transformational events that alter the world in profound ways. What follows will bear little resemblance to the past, and the assumptions that worked well before can be off by orders of magnitude. What once led to success could now be a recipe for failure. Black swan events (i.e.,...
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