Today, consumers are faced with more choice than ever when it comes to their financial affairs. From contemporary offerings like Buy Now, Pay Later (BNPL) and embedded finance platforms, to more traditional products like credit and debit cards, institutions and retailers alike are being called upon to deliver more seamless, quick and flexible solutions to their customers.
Crucially, businesses launching new financial products often require the complex underlying infrastructure of a bank to bring their offerings to market -- this is, of course, with the obvious exception of certain BNPL products like Klarna, which can operate without full regulation. Likewise, incumbent banks themselves, who already have the full regulatory permissions required to operate, may need to adopt core banking platforms to modernize their legacy systems in order to develop truly competitive offerings to meet the needs of their customers. This is where Banking-as-a-Service (BaaS) and Platform-as-a-Service come in to disrupt the fintech landscape.
The research shows that 64 percent of employees believe their experience with technology impacts their morale, and that 49 percent are frustrated by their work-supplied tech.
Both tools -- available for Windows and Mac -- sport a redesigned user interface, plus unveil a series of new and improved features including the ability to view two views of a document side-by-side in the same window.
New research from HP Wolf Security finds that 80 percent of IT leaders are concerned about their capacity to respond to firmware attacks.
The study shows that 67 percent of IT leaders say protecting against, detecting, and recovering from firmware attacks has become more difficult and time-consuming due to the increase in home working, with 64 percent saying the same of analyzing the security of firmware configuration.
The world of ransomware is becoming increasingly professional and it’s easier than ever for new entrants to get into the business.
A new report from Tenable looks at the ransomware ecosystem and how it has become one of the biggest threats to organizations as well as being lucrative for the criminals behind it.
GPT-3? No, it's not a new Star Wars character but an evolving foundational AI model with huge potential
At the mention of GPT-3, you’d be forgiven for thinking that Disney had invented a new droid character in the latest offering of the Star Wars franchise.
But instead of playing a leading role in Obi-Wan Kenobi, which of course is streaming now on Disney+, GPT-3 is instead set to make its mark on the world in its own way.
Data is often referred to as 'the new oil' that is now playing a major part in shaping economies the world over. In today’s digital world, around 85 percent of organizations see data as one of their most valuable assets.
Back in 2010, IDC calculated that the world had created around 64.2 zettabytes (ZB) of digital information and Seed Scientific estimates that by 2025, the amount of data generated each day is expected to reach 463 exabytes globally, with a total of 175 zettabytes!
Shadow IT applications acquired without the knowledge of the IT department present problems for businesses as they can create security holes or may not be compliant with industry standards.
The problem isn't going to go away. Gartner reports that shadow IT spending represents 30 percent to 40 percent of the overall IT outlay in large enterprises.
The most overlooked step in any modernization process is process discovery. Corners get cut to conserve time and resources which, often limits the business impact of modernization efforts ultimately resulting in limited productivity improvements.
Process discovery is the key to fine-tuning modernization projects, including testing and deployment, to drive the most value from both the application itself and the work to modernize it. It enables visibility across application workflows -- including exceptions -- allowing organizations to prioritize modernizing the tasks that are most frequent and time-consuming. This extends into DevOps testing.
More than 30 percent of employees would consider leaving their job due to poor digital workplace experiences and 14 percent have actually left a job for this reason, according to a new report.
The study from Lakeside Software finds that on average, employees claim they are achieving just 60 percent of their potential work output because of the suboptimal quality of their overall digital experience.
The past couple of years have led to lots of new demands on IT and many businesses have turned to the cloud in order to meet them.
Whilst the initial assumption may have been that these changes would be temporary, much of the shift in working patterns looks like becoming permanent. We spoke to Alkira's CEO Amir Khan to find out more about what this means for businesses as they gear up for remote work on a long-term basis.
If you opt for the base model of Apple's 13-inch MacBook Pro with the company’s new M2 chip, you might end up being disappointed by the performance.
Tests have revealed that the entry-level 256GB model, priced at $1,299, have significantly slower SSDs than their M1-based counterparts. And the difference really is significant; benchmarks shows that that SSD read speeds are 50 percent slower in the latest models. Write speeds are also slower, although not quite so dramatically. So, is the M2 MacBook Pro worse than the M1 version?
Tech companies say they will help employees with travel expenses for abortions following the overturning of Roe v Wade
The US Supreme Court has overturned Roe v Wade, ruling that there is no constitutional right to abortion in the United States. With more than half of states either implementing an immediate ban on abortions or intending to do so as soon as possible, there are serious concerns about women's health care. Large-scale protests continue across the country, but particularly in Washington DC.
While unable to help the majority of those affected by the ruling, many of the major technology companies have detailed the support they offer employees seeking abortion services. Among those to offer helps such as the reimbursement of travel expenses are Microsoft, Meta and Apple.
In the modern enterprise, CIOs play a similar role to a football manager: bringing together multiple puzzle pieces to create a squad that can achieve great things. If Ted Lasso taught us anything, it’s that to win the Premier League, managers can’t just focus on the individual flair of one or two key players -- they must build a team that supports one another and performs well as a single unit.
Just look at Pep Guardiola and Jürgen Klopp, who have been among the most successful coaches in recent years. Despite having the funds available, they resist the temptation to purchase a raft of new players every year, instead focusing on getting their existing squad performing together -- and CIOs should take the same approach with workplace technology.
Microsoft took a huge gamble with Windows 8, betting big that touch screens would replace the mouse as the primary way of interacting with the operating system. The company replaced the Start menu with a Start screen, which a LOT of people hated. It was one of the main reasons Microsoft's attempt at reinventing Windows flopped so badly.
With Windows 8.1, the software giant reintroduced the Start menu, and made a number of other changes that made it more acceptable to users, but even so, few people will list that OS among their all-time favorites.