Five Key Regulatory Areas Impacting Banks and Financials in 2018

Getting Proactive with Compliance and Creating Competitive Advantage Many years ago, as a young auditor with Arthur Andersen, I was informed by my managing partner that our role was to record history and not make it. With all due respect to my former boss and mentor, he was wrong because compliance is a route to creating competitive advantage due to the compliance burden becoming so heavy and riddled with constant change. The challenge is to embrace compliance not from fear, but as an opportunity to do what your competition cannot: write compliant business more effectively, and manage the constant change... Read More »

Case Study: cfX Incorporated

Powering the American Dream through Workflow Automation in a Highly Regulated Industry cfX is on a mission to deliver the very best technology, analysis, and recommendations to manage risk and cash flows for America’s Housing Finance Agencies (HFAs). In a heavily regulated environment, cfX delivers a range of technology and advisory services to HFAs nationwide, including bond sales and structuring complex transactions, qualitative analysis, risk management, cash flow management, and operating transaction management. Due to its pivotal role in advising HFAs on complex financial products and transactions, cfX is regulated by both the Securities Exchange Commission (SEC) and Municipal Securities... Read More »

No Code Does Not Mean No Power

No Code Workflow Platform and Business Application Creation No Code work platforms and business toolkits have typically appealed to the business user who has a need to fix an immediate pain-causing problem. A serious criticism is that No Code may be able to provide a quick and dirty fix, but the application cannot be scaled or applied elsewhere within the organization. There are also the issues of security, support, user adoption, and accountability, not to mention as soon as no code applications need to integrate with other business systems, they suddenly lose their ‘no code’ status. Is it possible for... Read More »

Why No Code BPM Appeals to Business Leaders More Than IT Teams

No Code BPM delivers the power to create enterprise-grade business applications into the hands of business analysts The business needs to get work done fast, and they are charged with justifying the resources they use and the results they deliver with them. IT is tasked with helping the business do more with less, go faster, adapt to how the market works, and stay safe while doing so. There is a disconnect between the business outlook and the IT teams, but neither side is to blame: the game has been rigged against both sides from the start. We know that those... Read More »

Lean BPM Brings Disruption to Digital Transformation and Enterprise App Development

We call it Lean BPM, but you’ll hear No Code, Zero Code, Low Code, while from Gartner, it is High Productivity Application Platform-as-a-Service, and Forrester splits the whole No-Code/Low-Code niche into Low-Code Development and Mobile Low-Code Development. Confused yet? Adding even further to the confusion is just who Low Code/Lean BPM/No Code platforms are actually for is not really clear. The obvious distinction is between those app development solutions which require no coding ability and those which do. I like to think that the distinction ought to be between the various target users of the platforms, and whether they are... Read More »

Differentiating Between Low Code BPM Platforms

Low Code BPM has promised to deliver business apps faster and make the process of Digital Transformation faster, easier, and smoother. The problem Low Code BPM platforms have is that they are still largely targeted at the professional developer, and making their life faster, easier, and smoother. But, what about the business user themselves, such as a Business Analyst who can see the need for change and knows what that change ought to be, but cannot execute and change the process itself because the tools are in the hands of the High Priests of  Technology? The current state of the... Read More »

The Role of Process in Emergency Management and Disaster Response

Hurricane Harvey tests lessons learned from Sandy & Katrina With cities deluged and under water in Texas, as Hurricane Harvey peters out on land, local and federal emergency response teams are being tested to their limits. With finite resources, and racing against time to save lives, citizens and emergency professionals must grapple with the basics of survival, and in this ‘process’ has a very important role. I recall as a young soldier in the Eighties, being sent on an emergency relief operation after a hurricane hit the Caribbean. I was personally shocked to find many, if not most, of the... Read More »

Transform or Die: 30% of Fortune 500 Will Not Exist in 10 Years

CMOs are ideally placed to transform into CGOs as they control the digital levers, but need to be Quants as much as Creatives Tom Siebel is CEO of C3 IoT, a former Oracle executive who subsequently moved on, created a business and made his money by selling one of his companies back to Oracle. Now he leads an IoT platform, and he caught my eye because I was flipping through Fox Business and saw the captions “Artificial Intelligence”. And “AI Dominating the Future”. Curiosity peeked, I watched the clip and listened to what Siebel had to say. Fox and cable... Read More »

Major Marketing Automation Player’s Domain Renewal Failure is Blamed on Human & Process Error

Marketo is a marketing automation platform which in late July had to apologize to customers over downtime. Downtime was caused because users could not log in to their accounts due to the main domain, Marketo.com had not been renewed. The primary domain is used for users to login to the automation platform, however a number of ancillary domains and services were also adversely impacted too as a follow-on effect. Marketo CEO, Steve Lucas cited “human and process error” as the primary culprit while hordes of frustrated users took to Social Media to vent, while the company pointed fingers at the... Read More »

Digital Transformation Myth Busting

Aligning Technology & Enterprise Architecture with Business Vision Working with companies in the mid and enterprise spaces, there are three major common themes that are continuously repeated: Internet of Things (IoT), Big Data, and Digital Transformation. Underlining this ‘Big Three” are the issues of security, application/usability, and how do we build an enterprise architecture which can deliver on the promises and opportunities created from them? Digital Transformation is rightly viewed as the essential, strategic prerequisite for how organizations will grow and perform in the future. How transformation strategy is implemented, managed, and used will determine future success. What is clear... Read More »


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