Net Banking Unveiled The world of banking and financial services is in the midst of dramatic change. Driven by deregulation, consolidation and information technology, the financial services industry is busy reshaping itself - moving away from traditional "brick-and-mortar" branches to focus on new delivery channels, improved customer service and 24-hour-a-day access to information and transactions. According to IBM Consulting Group, within 10 years, Internet will become the dominant delivery channel for financial services, even if currently Internet banking operations represent approximately...

Inspiration for the wireless revolution The big Geneva Telecom 99 exhibition will probably go down in history as the moment when Wireless Application Protocol (WAP) made its debut in the world. A slew of vendors launched their first WAP phones and carriers announced their first WAP services. And this time it's Europe that's the frontrunner. 'For once I'm not proud to be an American', said Larry Ellison, the CEO of softwaremaker Oracie, in a speech delivered at Telecom 99. Europe is at least 18 months ahead of the United States in deploying WAP. The Telecom 99 show could mark the beginning of...

The rules change when the tools change Generating traffic to a website and catching the interest of the visitor, in order to make him buy a product or a service, is within everyone's reach today. Intensive research, try outs and the learning experience of E-Commerce pioneers have helped to uncover the marketing & sales possibilities of the Internet. But now that we have customers visiting our site, how do we keep them coming back? How to get a clear profile of each customer, so we can give him (or her ) the service he's looking for? And offer him other products he could also be interested in?...

Data: from acquisition to interpretation Historically, the major challenge for organizations was capturing data. Years ago, businesses were able to leverage the information they could get, but weren't very good at getting detailed information across a range of business processes. In the business environment of today, virtually every transaction and minute business data is recorded in databases to enable better, more effective decision making throughout the organization. Most of the technology emphasis has been on storing data, with less attention paid to tools for transforming data into...