NFC: An Overview
If anything should support the demand for Near Field Communication (NFC), the recent holiday credit card security breaches at US-based retailer Target, and other high profile retailers, is all the incentive the public should need to demand the technology.
The driving concept behind NFC is that the individual’s cellphone or mobile device serves as a virtual wallet. However, many argue that it is a much safer method of payment than swiping a card through a chain retailer’s traditional credit card processing port.
If the merchant has the appropriate technology, the customer can simply swipe his or her NFC loaded phone over a receiver and the payment is made via credit card or debit card of choice. Voila! No cash, no fumbling your credit card and no trace of the consumers card stored with the retailer.
Structured Query Language (SQL) was adopted by the American National Standards Institute (ANSI) in 1986, one year before it was adopted by the International Organisation for Standardisation (ISO). Before it was accepted and ever since adoption, SQL has been under continuous review for improvements. The Joint Technical Committee (JTC) is charged with improving SQL.
In this fast-paced digital world, commodities, consumables, and services can be bought and sold online in the click of a button. Whether you’re looking for a new car, a holiday, your weekly groceries, a loan, or insurance, the Internet has provided us with a wealth of choice and all the time in the world to find what we need.
Is it possible Wi-Fi could be a short-term technology? Could we eventually move away from this mobile technology that lets us access information, friends, business, sports and our special interests while we travel, visit, attend functions or stay in a hotel? Could it be that Wi Fi will become less popular? From the statistics, this isn’t looking likely.
As an increasingly connected world, we’re demanding information when we want it and where we want it, round the clock, 365 days a year. But there’s a downside to being globally connected and big corporations like the BBC, CNN, the Financial Times and Twitter, to name but a few, have all suffered recently at the hands of hackers.
Gartner Worldwide’s IT Spending Forecast for 2013 reveals the shift to cloud computing and the conservative approach to IT investment at this time. While IT spending increased by 2.5 percent in 2012, Gartner projects a pullback of about 2.0 percent in 2013. Shifting currency exchange rates are also a factor entering into this projection.
The forecast includes global data from the following IT sectors:
- Computing hardware
- IT services
- Data center systems
- Enterprise software
- Telecom services markets
There are millions of brilliant websites. It is fair to say that every website means something special to its followers. Websites can promotes causes, human interest stories, products, services and more. Some website owners are happy to generate 1,000 hits a month while others would be disappointed with 1 million hits a month.
In trying to identify the most successful websites in the world for 2013, Alexa applied certain standards to their testing:
- Type Internet activities caused by the website compared to Internet activities inspired by other websites.
What Makes An Insurance Agent Great
Successful insurance agents rely upon long-term clients for repeat business. The insurance industry is one of the most competitive industries on the planet. It is also an industry undergoing a bit of transition as online providers compete with brick and mortar providers for market share. The technology may be a great way to get proposals and understand pricing but insurance inevitably boils down to relationships.
The interaction between an insurance agent can give almost as much peace of mind as the coverage itself. Regardless of the type coverage you have, when things go wrong and it is time to file your claim, you want an agent and a provider who know you and take a personal interest in your well-being. When push comes to shove, it is the personal touch that endears clients to their carrier.
Insurance agents have a lot to gain by paying attention to details and understanding the client’s needs. The essence of the insurance agent’s income is derived from annual renewals. Good agents cater to their existing clientele and are in touch even when they are not selling or promoting a product.
With many agents, the first contact comes via telephone. Excellent communication skills are a necessity for a long-term relationship with an agent. However, while communications are undeniably important, another important ability is the agent’s ability to listen to clients.
5 Reasons To Invest in Your Web Presence
A standalone website does not come close to achieving full value in today’s highly competitive marketplace. In this high speed, highly mobile business environment, an enterprise’s web presence must be supported by a number of applications, marketing strategies and disciplines. At the same time, the enterprise that does not commit to a strong Internet presence is not going to reap the benefits that more aggressive competitors, regardless of size, invest in their web presence.
To fully understand why a comprehensive presence is a necessity, consider data from the 2010 survey conducted by the Office of National Statistics.
- 78.7 percent of UK businesses had a website.
- 51.0 percent of businesses had mobile broadband using 3G.
- E-commerce sales represented 16.9 percent of total sales in 2010, up 0.9 percent over 2009.
- Estimated revenue from online sales in 2010 was £385.4bn.
- Only 15.3 percent of business UK websites were used to transact sales in 2010.
- 6.4 percent of selling websites registered sales in other EU nations.
- 5.0 percent of website sales were completed with customers outside the EU.
- Website sales beyond the EU totaled £95.9bn.
- In the UK, the wholesale sector has the strongest website sales (£37.5bn – 2010).
- The retail sector has the second largest amount of website sales (£12.8bn – 2010).
CIO’s Tough Decisions
If you have followed the gradual trend to cloud computing by businesses, you might come to think that Software as a Service (SaaS) is the only way to acquire the latest and greatest software. While it is true that industry giants like Oracle and Deltek have launched new cloud software at unprecedented rates and while true that many new software enterprises are creating products exclusively for SaaS, these products represent only a small fraction of the overall software marketplace.
The bulk of software development is designed for on-premise use through a perpetual license model. However more and more companies are realising the many benefits of Infrastructure as a Service (IaaS) and Software as a Service and are gradually shifting to cloud computing. This transition offers many financial and service advantages to SMEs and to large corporations.
However, many of the largest companies are challenged to shift due to heavy investments to their “loyalty” or “customized” software. These companies face the decision to use the cloud and their proprietary software or to attempt to transition the enterprise’s loyalty software to the cloud. Many publicly held corporations face this delicate choice.
However, for the most part, loyalty software programs can be new and improved for the cloud or imported for cloud use. It could take years to recoup the expenditures but as a model, the investment will be an excellent ROI. Continue reading