cognizant technology solutions cognizant business consulting analytics future of work big data digital transformation social media cloud internet of things iot smac stack customer experience digital code halo digital business automation mobile technology banking & financial services code halos mobility retail cio data ceo key digital insights healthcare insurance quality assurance tier 3 manufacturing life sciences & pharma cognizant research center innovation cognizanti journal crm smac life sciences cloud computing saas digital banking cognizant center for the future of work insurance industry mdm advanced analytics cognizant predictive analytics digital economy artificial intelligence software as a service program management master data management robotic process automation risk management qa consumer goods digital technologies media & entertainment retail & consumer goods iaas cbc tier 1 pharmaceuticals business intelligence banking devops cognizant 20-20 insights pharma financial services it infrastructure management gamification telematics customer centricity the work ahead blockchain cognizant banking and financial services millennials byod business transformation agile digitization mobile apps sdlc basel iii paas affordable care act business process services pharmaceuticals industry bpaas supply chain social media analytics agile software development ai bitcoin personalization infrastructure as a service smart devices p&c media and entertainment utilities change management aca banking and financial services real-time analytics enterprise mobility icd-10 mobile applications business process as a service social media strategy sap augmented reality smartphones dwbi communications erp mobile payments it machine learning omnichannel cognizant's center for the future of work informed manufacturing unstructured data value chain energy & utilites digital marketing dodd-frank act medical devices fatca bpm digital asset management e-commerce sepa digital content customer loyalty mobile computing csp mobile devices retail banking android social crm smart contracts digital cio 3-d printing being digital risk mitigation smart products natural language processing wearables banks wearable devices apis customer service social nfc service-oriented architecture healthcare industry compliance software development lifecycle social technologies cfpb kyc know your customer bring your own device crowdsourcing metadata game mechanics customer support csps communication service providers virtualization wealth management inventory management manufacturers customer engagement media and entertainment industry data analytics sentiment analysis supply chain management bpo accountable care organizations mobile strategy mobile commerce life sciences & pharmaceuticals pharmaceutical digital platforms digital change process digitization wechat cybersecurity digital business transformation code halo (tm) thinking intelligent automation digital customer experience digital strategy process automation rwd plm data science isda cognizant banking & financial services basel wearable technology tablets field services management adaptive learning hadoop p2p tier 2 workers' compensation social analytics acos electronic health records xaas platform as a service otc derivatives insurance carriers underwriters care management travel & hospitality big data analytics fda fraud detection life sciences industry mobile learning connected car near field communication soa retailing it systems core banking system pricing crm systems enterprise content management underwriting loan origination system roi digital channels m&a business analytics business process management customer relationship management enterprise analytics flexible service delivery cognizant value discovery assessment cvda mobile technologies media and entertainment companies information management reverse logistics retail banks social networking pharmaceuticals companies social networks analytics as a service application portfolio rationalization loyalty programs business process outsourcing smart meters smart grid p&c insurance digital age business process assurance fintech cryptocurrency cryptocurrencies consumer trust tokenization supply chain visibility sharing economy whatsapp microservices ar virtual reality patient experience it odyssey and advisory crowdfunding cybercrime digital maturity yammer ipa intelligent process automation regulatory compliance risk appetite responsive web design connected products digital disruption pay tv the internet of things futureof data extraction digital era api test automation aws amazon web services loyalty san m2m customer personas product lifecycle management data security cognizant analytics business process modeling basel committee on banking supervision communications service providers data quality clinical trials eba shared services omnichannel fulfillment pci dss baas cloud-based cognizant's banking and financial services busines life insurance mobile qa google glass hdfs apache hadoop java service requests financial institutions structured data sensors esb ehr cognizant business process services cognizant reports emir ccp dodd-frank collateral management user stories additive manufacturing mergers and acquisitions 3pl hix cross-docking advanced solutions customer solutions practice test data management liquidity coverage ratio iso social media marketing master data return on equity distribution centers mobile banking cloud management encryption apple ios scalability cbs india p&c insurers insurance value chain siebel google wallet managed services consumer financial protection bureau core banking bpmn twitter facebook bfs claims management customer lifetime value straight through processing stp asset management claims next-generation enterprise customer empowerment sharepoint bps scrum master financial crisis government sponsored enterprises gse ltv digital media knowledge management data governance code quality sprints aaas content monetization application portfolio automated testing mobile channels bi agile methodology scrum travel and hospitality banking industry analytics tools text analytics retail industry it governance retailers mapreduce artifical intelligence sensor data cognizant insurance business unit healthcare providers property and casualty insurance iot adoption bpa cios salesforce vr digital strategies manufacturing and logistics customer retention distributed ledgers information technology digital commerce digital footprints population health management order management smart cities chief marketing officer product design complaint management system complaint resolution workflow cognizant energy and utilities complaint tracking system complaint handling system private data usage manufacturing & logistics data ethics skills gap digital process acupuncture digital process change application programming interfaces gig economy loss prevention digital health consulting asia pacific apac secure payments product information management procurement sourcing agile methods digital payments shopping experience influencers facebook messenger data migration in-memory computing uat rfid personalized customer experience service disruption experience service recovery experience cognizant travel & hospitality airline disruptions personalized disruption handling hmds cad digitally enhanced business talentism digital talent continuous delivery cognizant's digital works center for the future of work digital innovation crypto-currencies user experience rpa mobile services cognizant business consulting insurance practice smart sensors smart home technologies smart homes risk exposure legacy systems ui user interface multiscreen application testing medical device manufacturers customer journey lcr performance management mifid ii complaints management core banking systems adaptive learning models field technicians hotels it integration systems integration business continuity video delivery smart watches storage area network continuous integration scor systems of engagement location-based services mass customization digital transformation framework web services commercial insurance high-frequency trading information architecture open web application security project owasp customer analytics checkout nas network attached storage big-data analytics code halo thinking digital banking channels actionable analytics customer due diligence mortgage banking minimizing returns supply chain transformation multichannel returns returns management process returns management reverse logistics management returned merchandise reverse logistics process reverse logistics solution ios ux omni-channel retail patient engagement connected health peer-to-peer lending aftermarket services etl sprint bcbs pay-per-use bis tbac high-quality collateral bank of international settlements smart home smart-home offerings ofac iot ecosystem industrializations cost of operation licensing vendor shared utilities internal utility smartstream regulatory post trade plus customer-facing business central data utility operational risk best practices euroclear external utility web self-service ime application security information gamification initiatives gamification design dam dam systems medicare advantage price-matching disease management net promoter score cis standardized learning learning delivery cloud-based learning onelearning framework learning management system lms learning technology roadmap learning architecture congizant's center for the future of work learner-centric models cloud technologies it service management single euro payment area banking as a service european market infrastructure regulation industry 4.0 meaning-making making meaning pace cognizant engineering and manufacturing solutions rba japan trs hong kong singapore otc asia over-the-counter derivatives disaster recovery root cause analysis cognizant business consulting's healthcare practic mobility adoption mobility quality assurance solution mobility qa smart-coupling mobile qa smartly coupled mobile qa solution mobility quality assurance mobility qa solutions social listening data integrity private cloud digital experience continuous improvement itil businesscloud namenode datanode field service organizations rugged devices fsm hsupa industrial manufacturers hsdpa mobility-based solutions mobile-based solutions service tickets industrial equipment field engineer productivity field service claims adjudication oxford economics insurers onboarding talent acquisition human capital management personalized learning higher education loggly splunk puppet labs it revolution press sumo logic anti-money laundering aml cassandra linux sdn software-defined data center sddc vmware semantic technology semantic web freemium everything as a service scada enterprise service bus legacy modernization policy administration energy organizational change management qa organizations business process architecture cobol supply chain execution supply chain strategy systems integrator sap hana european medicines agency sox sustainable development cftc iras nps accelerators it investment commercial insurers commercial underwriting risk selection enterprise transformation it enablement connected devices medical management utilization management oms efcs wms packaging picking receiving adaptive supply chains supply chain strategies cross industry tdm transportation and logistics sustainablity dwbi & analytics hcps geo-location healthcare professionals mobile technology key visual indicators flow manufacturing hipaa customer communications management ecm ccm iso 20022 investment banks client onboarding social media program sla who serialization progressive usaa geico future of banking go green eli lilly cros novartis wyeth digital content distribution platforms digital content distribution digital content consumption enterprise transformation strategy cva kaizen eu ema risk management plan cognizant cloud360 insurance companies m-health healthcare makeover healthcare costs ryan marquiss as a service marcello burgio flexible service delivery model it infrastructure lagging indicators leading indicators aifmd selenium smart appliances dti healthcare ecosystem future of healthcare requirements definition customer segmentation payd pay as you drive connected cars systems integrators flexcube core banking solution total cost of ownership cots price transparency pricing strategies payments industry paypal service level agreements psd slas scorecard dodd-frank wall street reform and consumer protect volcker rule hedge fund tammy erickson associates social enterprise digital advertising click-through rate business process model and notation legacy system t24 temenos it operating model life sciences companies sna social network analysis brands key opinion leaders core processes account management imf mam customer-centric data supply chain online shopping clv fhfa federal housing finance agency uldd aum assets under management asset managers incentive compensation plans brand management virtual brand management brand marketing m-wallet mobile wallet automotive industry collaborative platforms commercial model flexibility value chain flexibility google search appliance sales planning avm globalization pharmaceuticals supply chain virtual collaboration icd-10 testing freddie mac hamp harp enterprise mobility strategy clustering ssc insurance carrier progressive insurance ubi usage-based insurance icd-9 t2s target2 wealth management firms wealth management advisors pharmaceutical companies phrma social media technologies demand brand advocates software development scrums agile manifesto social tools content management pharmaceutical industry operational efficiency cloud services business process testing patient safety intelligent store bricks- and-mortar open source software testing oracle rac medicare part d cognizant technology solutions. governance model governance voc warranty management airline industry oracle consumer goods supply chain pbm game dynamics consumerization of it kanban education digital coupons intellistore multi-country implementation travel airlines data warehousing u.s. banks u.s. retail banking online lending mortgage banks retail analytics telecommunications finance and accounting customer preferences segmentation blackberry ipad healthcare reform patient protection and affordable care act petabyte age m-commerce sustainability social mobile analytics and cloud bruce rogow gamification enterprise training gamification roi gamification for insurance gamification mechanics billing gamification prioritization framework customer self-service bots messaging apps deep learning chatbot nlp p&c insurers; internet of things peer-to-peer exchange blockchain ehr blockchain in healthcare blockchain in manufacturing private blockchains blockchain smart contracts blockchain disintermediation blockchain in music blockchain in entertainment permissioned blockchains blockchain in banking blockchain automation blockchain trade settlement blockchain distributed ledger blockchain in insurance blockchain cryptography blockchain risks blockchain in finance third-party kyc utilities customer care troubleshooting customer care centers customer support solution machine intelligence cognizant's hpc labs machine learning solutions smart insurance smart claims processing risk prevention/mitigation predictive behavior assessment real-time risk assessment smart risk detection smart risk assessment real-time asset monitoring failure and loss prevention iot infrastructure expand and run pim content analytics automated content publishing master data management system build digital product images scaling agile deployment real-time usage data real-time device monitoring medical device design cognizant healthcare and life sciences medical device development iot business models digital data iot data medical device industry organizational agility lean-agile portfolio management it portfolio management project and portfolio management it agility leap lean technology testing market of one waterfall intelligent automation systems counterfeit goods product authenticity fighting fraud enterprise software end-to-end view regressions business acceptability story cards e2e agile development methodologies adpart cognizant life sciences’ analytics and informati health insurance portability and accountability ac hitech meaningful use (mu) ehr incentive program healthcare consumerism cahps hospital survey proactive care digital patient engagement protected health information (phi) ehr applications automated transcription team-based care patient-centered care model joint commission standards treatment compliance edi booking e-booking shipping agents qr codes shipping e-commerce shipping industry freight documentation ebol freight payment pricing maintenance capacity planning e-commerce platform shipment scheduling global freight forwarders e-commerce transformation vessel scheduling shipping liners block mining p&c carriers blockchain consortia blockchain technologies risk pools peer-to-peer insurance block chaining value ecosystems blockchain solutions block creation collaborative processing blockchain transactions healthcare payers marketing analytics europe economy european businesses in-branch services assisted self-service bank branches digital orchestration branch transformation digital banking services business slowdowns servers public cloud infrastructure elastic compute cloud cloud hosting auto-scaling techniques annual retail trade survey u.s. census retail data ec2 provisioning monthly retail trade survey etl tool raci matrix data profiling data mapping extract transformation load requirement analysis data transformation code modules transaction data log data production systems applications lifecycle management quality at speed data massaging operations logs app settings operations data test cycle times app crash 3-d bioprinting point-of-care devices biosensors diagnostics digital it transformation genomic medicine digital adoption drivers digital engagement model life sciences & phamaceuticals smart atms merchant acquirers contextual commerce smart kiosks electronic identification payment institutions connected car payments card-present transactions cognization technology solutions contactless transactions plug-and-play payment processing devops success devops benefits enterprise devops asset-less manufacturing decentralized autonomous organization distributed manufacturing value chains 3-d manufacturing genesis of things trust tax eos gmbh electro optical systems manufacturing value chains innogy asset-light manufacturing magnuson-moss warranty act spare parts market automotive service parts industry gray market bundling refurbished parts cltv cci competition commission of india auto value chain willingness to pay secondary car market insurance marketing functional testing cd ci database object validation test automation tools testing organizations regression suites extreme programming xp code integration agile development test coverage self-testing opinion makers gray divorce marketing premium spirits coming of age retail and consumer goods major purchases aging senior-proofing retirement baby boomers cars lifestyle shifts life sciences and pharmaceuticals branding gamma quantitative model vega shanghai index futures short financial markets commissions futures instruments maturity date spread trading model transaction costs delta long mean reversal theta netting trading account tickers arbitrage asia pacific business personal lines insurance p&c industry cognizant’s insurance business unit commercial lines insurance cognizant's internet of things practice cognizant oracle solutions practice procure-to-pay enterprise resource management erp supply chain principal investigators e-procurement expense management pis grants management self-service procurement cfow program strategy technology and business alignment quality testing business process enablement digital business processes outcome-based validation it executives digital applications marketing executives customer-experience testing cmos triaging digital assurance medical-regulatory reference library promotional material references reference librarian services reference libraries global reference library promotional references aia vitality asia-pacific region middle east peer-to-peer anz apacs greater china asean cx taikang life application services ericsson mobility report j.d. power and associates utility website evaluati mobiles apps utility companies clickfox outage reporting meter read mobile-optimized websites codehalos adverse drug reactions iso 11238 international standards organization iso 11616 iso 11615 iso 11240 regulatory information management system idmp rims individual case safety reports identification of medical products iso 21090 adrs icsrs clearing reporting fmia data management & central reporting platform trading regulatory readiness swiss financial market infrastructure act telematics-enabled vehicles transportation ecosystem auto industry insurance apps mobile-first mobile adoption mobile-first index personal auto insurance electronic stability control auto insurance carriers loss exposure ihs automotive driverless cars insurance institute for highway safety semi-autonomous vehicles product liability lane centering iihs tesla vr marketing campaigns virtual displays trenterprise processes virtual reality training vr headsets workforce management mixed reality digital prototyping employee engagement touchscreen encounters entertainment virtual work areas application development lean development ui testing rapid development ui automation remote triaging smart metering equipment technical specification 2 data communications company smets2 smicop certificate management smart metering installation code of practice smip prepay customers smart energy code energy utilities smart metering implementation programme samsung gearvr headsets digital retail theater htc vive headset 3-d avatars ikea vr experience 3_d modeling online retailers ecommerce tommy hilfiger e-shopping ted baker robo-advisors direct-to-consumer channels midsize and large commercial accounts aggregation cyber risks p&c underwriting small commercial accounts property & casualty insurance multichannel distribution the sharing economy commercial lines asynchronous quoting real-time quoting it service delivery next-generation service management itsm data elements semantic analytics concept maps expert knowledge metaknowledge cognizant internet of things services practice iot business benefits iot scale iot value iot solutions iot reference architecture smart vehicles intelligent transportation system connected vehicles cognizant's manufacturing & logistics cognizant digital works customer autonomy digital initiatives next-generation business models platform business open apis digital ecosystem platform economy digital leader cognitive computing cognizant's emerging business accelerator software robots fourth industrial revolution it talent the future of work world economic forum contingent workforce cadient consumer experience member experience healthcare cio cognizant healthcare practice mark to market ifrs mark to model default time approach international financial reporting standards mark to matrix wrong way risk current exposure methodology default probabilities libor wwr monte carlo default probability approach optimal estimator credit valuation adjustment tibor financial crime pipeline drugs specialty care primary care drugs metrics brand performance instrumented devices edge analytics smart components monetization cognizant analytics practice specialty drug treatments specialty pharmaceuticals fieldbit group purchasing organizations blood analyzers accountable care organizaitons implsnts kaiser permanente ivd devices mobile medical apps gpos nonce logistics nakamoto hyperledger hashed smart equipment inventory ehtereum hash trade execution and management golden source fix fml software quality quality intelligence systems of intelligence mobile automation strategy automation tools qa automation mobile quality assurance boost user acceptance testing system integration testing bpt zero defect business outcome oriented scenario testing end-to-end testing sit api strategy digital open apis software companies multichannel in-product marketing customer conversion in-product marketing framework axa ipos disruptive shift boundaryless trades mifir cryptosecurities overstock r3cev tessellation teradata massive parallel processing radio frequency identification ais minimum bounding rectangles geospatial analysis mbrs geodetic buffering functions automatic identification systems mpp mobile phone triangulation pattern recognition liquidity analysis and review dsibs risk data aggregation risk reporting capital analysis and review risk data global systemically important banks clar bcbs 239 compliance domestic symstemically important banks ccar governance and infrastructure bcbs 239 gsibs doing digital digital works business reimagined digital society red associates ott providers télécommunications over the top providers high-speed internet connected technologies cost overruns integrated quality management system knowledge-based engineering kbe teamcenter plm product lifecycle management systems requirements planning new product implementation engineering automation product realization costs design stage market deregulation england water industry uk open water program england water market scottish open water market map4 open water network vulnerabilities security loopholes security testing firewalls security hack penetration testing man-in-the-middle attack apt sql injection advanced persistent threat ssl encryption ddos distributed denial of service lifesciences bank marketing redundant arrays of inexpensive disks virtual computing virtual infrastructure multi-core processor hadoop distributed file system raids analytical workloads hadoop clusters mahout jobtracker digital leaders personal data give-to-get ratio affordable care act (act) financial divergence risk adjustment accuracy medical records hedi and cms star ratings icd-10 coding system icd-10 implementation healthcare organizations icd-10 return on investment retirement services defined contributions retirement plans defined benefits plans gyft block peer-to-peer transfer erisa. digital trust blockchains nasdaq linq 401(k) exchanges cryptography r3cev llc employee retirement income security act distributed ledger technology distributed ledger medical device nonconformance issues effective rca process rca tools rca entertainment experience providers content maturity matrix education providers entertainment companies education outcome providers information insight providers content platforms information providers digital content ecosystems nosql advanced visualization data foundation machine learning not only sql data journey statistical modeling high-performance computing cluster intelligent data discovery predictive modeling memsql hpcc microsoft system center business productivity sync drive servez end-user profiles connected enterprise service integration portal target operating model social tango workforce maturity flexd gen-now boundaryless computing behavioral analytics risk-management tools upstream risk management risk analysis medical-device companies event tree analysis risk acceptance eta fta risk transfer new product development risk limitation fault tree analysis risk-management plan risk prioritization npd risk avoidance risk evaluation medical-device industry social and messaging apps rakuten sunshine insurance company jubilee insurance taikang life insurance platform maintenance viber integrated digital experience china pacific insurance tencent esurance carriers new china life insurance china life kik healthcare consumer experience evidence-based care care management system care management maturity care management platform shipment consolidation assembly warehousing shipment planning transportation third-party logistics bar coding value-added services freight forwarding go-to-market lsps returns customs brokerage logistics services providers explore mylexus lexus personalized delivery app lexus app lexus message queue telemetry transport mqtt meters railroad safety monitors heart monitoring implants constrained application protocol xmpp data correlation logic time-series processing field operation devices thermostats banking cio cio-cmo relationship intelligent workflows decoupling vendor networks decoupled marketing system marketing best practices cmo digital production studios daas contract research organizations odata semantics controlled vocabulary point-to-point approaches canonical model data as a service cognitive integration ridesharing omnichannel support p2p economy per-ride insurance policies peer-to-peer economy collaborative consumption workforce on demand on-demand underwriting ridesharing policies renters insurance property & casualty rating and pricing models real-time underwriting mobile quotes per-day insurance policies home & office sharing subcontracting digital tools algorithms value chains application programming interface digital asset holdings innovation cycles digital talent gap economist intelligence unit knowledge work healthcare consumers mobile first digital healthcare cognizant healthcare business consulting practice digital expectations digital content supply chain scor model digital content operations content supply chain maturity assessment otcds initial margin margin valuation adjustment mva mruds ccps uncleared derivatives bcbs/iosco central counterparties net stable funding ration cpmi variation margin central clearing cognizant technology labs pervasive security api ecosystem software-defined automation just-in-time intelligence augmented reality software smart services 3-d content-enabling wearable technologies augmented and virtual reality displays smart safety management augmented reality (ar) smart glasses virtual reality devices smart customer support wearables workplace applications immersive displays wearables in work environments digital showrooms interactional data business-facing automation business performance improvement human productivity gains business augmentation transactional data web-scale it integrated automation infrastructure management kinect rtw fitbits wellness data rtw coordinator return to work liability claims individual and group disability quantified self-movement devices medical sensors disability insurers loss reduction workers comp insurers kidnap&ransom customer journey maps digital currencies cnp fraud card-present fraud fraud prevention emv payment security smartphone in-flight rental cars leisure travel managed travelers travelers lodging ride-share service travel ribbon booking business travelers emerging technology early adopters solution evaluation digital projects online collaboration requirements checklist requirements automation it strategies cio as the ceo of it led business management software defined infrastructure converged infrastructure value chain drivers service integration infrastructure services cloud based infrastructure technology transformation shared services centers digitally enabled digital customer life sciences organizations customer mdm customer master data management adaptive learning solutions e-learning digital learning social big data pim systems footwear industry footwear retailers vehicle telematics location-based systems near field communications omnichannel experience automated checkout real-time inventory sensor technology car rental companies phocus wright-cognizant traveler survey 2015 loyalty management quality management initiative quality improvement initiative quality transformation initiative it quality continuous testing intelligent test automation ct ct infrastructure continuous testing infrastructure global shared service s2p s2p operating model supply chain financing supply risk management s2p kpis category sourcing source-to-pay s2p slas s2p processes cognizant business consulting: cognizant manufactu s2p outsourcing s2p risk management buying channel strategy s2p strategies supplier partnerships communications services providers the agile manifesto six sigma performance improvement decision tool lean programs agile culture pid forklifting just do it integrated maintenance engine web maintenance channel pull-push framework field channel partnerships local-listings platform providers activity-locality matrix local navigation and search local search engines platform-listing lifecycle telecalling maintenance channel local business listings altair dassault systemes sdm simulation data management process data management cae collaborative design msc product development process simulation tool framework ansys plm xml protocol fused deposition modeling direct material laser sintering leap engines selective laser sintering prototyping ge aviation stereo lithography laminated object manufacturing photo-polymerization am extrusion techniques computer-aided design airbus a350 ultrasound probes digital light processing granular materials binding ecoboost engines target search search engine effectiveness context search search engine result relevance tf-idf algorithm advanced search engines machine-to-machine internet of payments micropayments iop crowdfunding initiatives alternative insurance crowdfunded insurance performance analytics industrial equipment companies heavy equipment industry operational excellence mobile messaging mobile instant messaging mobile instant messengers wirearchies uber lyft airbnb zopa fb@work slack service virtualization wikipedia marklogic collaboration platform documentum social forums snapchat always-on worldpay geo-tagging awd adaptive web design digital consumers disaster recovery plans migration success factors cocomo model use case points function point data centers backward compatibility work breakdown structure version upgrades software migration global order to delivery auto oems project management office gm shop-click-drive implementation approach auto dealers otd microservices-based architecture microservices architecture apache spark data grid technologies infiniband interconnect cognizant hyperscale computing lab supercomputing tachyon ssd imc z systems apache pig hpc imdg high-performance computing sql server 2016 community technology preview 2 gpgpu acceleration solid state drives hyperscale computing hadoop mapreduce testing quality architect customer experience testing crowd-testing cognizant qe&a technology center of excellence mobile workforce management technology energy survey gis meter services eams mobility solutions dms gps ami manufacturing digital business transformation digital maturity framework mvc massive open online courses mobile educational content future of education student expectations minimum viable course education innovation mooc cognizant digital works accelerator crome triggers mme data partnerships mobile me mobile shoppers 3d-p&ls 3d-me strategies loyalty and rewards programs "market of me's" markets of one mobile market contextually relevant personalization visualization neosight meta intelligent gloves 3-d american society for training and development ar goggles metaio user experience lab zspace optivent workforce training head-mounted devices hitech apld anonymized patient level data longitudinal analysis patient data health information technology for economic and cli qms enterprise quality management quality management process quality product quality quality management system optimize marketing campaigns crm program dan's code halo consumer insights consumer halo contextually-relevant offers location-aware technology time-based messaging consumer banking products u.s. consumer banks location-based offers mobile-based offers proximity-based messaging pull messaging geofences smart engagement techniques push messaging lbos internal social platforms enterprise social platform enterprise social workangel profinda univariate claritin sampling victoza dtc histogram celebrity endorsements institute of practitioners in advertising lag variables tiger woods joan lunden detailing direct-to-consumer advertising campaigns box plot lauren hutton paula deen airport operations internet of things (iot) cognizant manufacturing & logistics consulting employee code halos airport value chain airport services asset code halos aviation industry passenger code halos airport management digital business strategy digital maturity measurement methodology digital experience index mobile-first experience index healthcare digital transformation framework digitized healthcare data accountable care act empowered healthcare consumer care delivery models direct-to-consumer insurance value-based care banking industry disruptors payment network disintermediation it skills gap nicholas negroponte digital skills digital culture process analytics robotics digital transformation strategy full lifecycle automation digital assurance qa lifecycle experience design design thinking mymagic+ human-centric design digital shopper online commerce digital consumer digital business success digital opportunities asia-pacific economy complaint management failures complaint management challenges inefficient paper-based systems typical process for complaints requiring an invest mortgage industry standards maintenance organizati ifr settlement office of the controller of the currency gses mismo evidence of compliance occ u.s. consumer finance protection bureau regulatory compliance risk management ripple clearxchange nonbanks cardcontrol xoom peer-to-peer payments apple wallet popmoney m-pesa ondot apple pay digital payments strategy amazon redshift relational database management rdbms simple storage service amazon s3 open-source tools sqoop elastic mapreduce hive tables amazon emr pig scripting data warehouse systems big data migration testing r code mls acxiom multiple listing services financial crisis enquiry commission reso property listing data star model experian real-estate broker property valuations appraisal foundation buy online pickup in store (bopis) ris news and cognizant examine the likes and disli security privacy 000 shoppers to help retailers understand the late store experience customer insight store associate application rationalization it complexity infrastructure optimization it simplification lean infrastructure cognizant process and quality consulting simplifit cognizant application and value management service track-and-trace serialization authentication serialization data patient authentication data workforce analytics digital workplace workplace of the future digital employee experience cognizant onehcm temboo maturity assessment customer education assessment framework z-wave ifttt platform strategy household appliances interoperability readiness connected home services zig-bee network infrastructure organizational capabilities poisson process drug manufacturer patients recruitment program evaluation and resource technique site investigators monte carlo simulation patient enrollment patient recruitment pert non-stochastic approach stochastic approach connected ecosystems single view of forecast dynamic alloction supply chain analysis process collaboration vertical integration paddock-to-plate value chain pareto-style analysis end-to-end supply chain network collaboration perishables supply chain perishables lean logistics high-velocity supply chain automated replenishment total case ownership help desk user excitement enterprise service hub chatter problem resolution service desk digital natives network operating center transformation technology stack legacy enterprise applications consolidation and ledger close reporting and analytics daily financial close financial close processes accounting treatment and reconciliation f&a governance f&a value chain single-day financial close accounting hub loss prevention strategy loss prevention models retail shrinkage loss prevention solution loss prevention kpis nondiscretionary application maintenance incidents lean maintenance avmplus discretionary spend cognizant energy & utilities value tree asset analytics upstream companies oil prices oil and gas value tree value tree analysis contract management lifecycle cognizant cognitive computing technology lab contract management ocr enterprise contract management master data record mdm hub cognizant enterprise information management data analysis data searching "smart" parsing banking experience digital business model next-generation it operating model cognizant business consulting’s communication a digital support channels digital transaction services personalized services hsi code halo (tm) customer engagement modeling cognizanat communications industry customer experi digital sales channels customer support organization product support organization customer care transformation framework customer support economics u.s. healthcare reform part-time employees massachusetts' healthcare reform law employee wellness programs obamacare full-time employees preventive care workforce definitions smart home infrastructure real-time sensor information homeowners insurance carriers loss control self-learning devices property and casualty insurers home security platform capability matrix releases functional specification documents platform documentation platform catalog document instances fsds pcd pcm rating middle market premium leakage loss analysis risk segmentation submission data mime acord xml submission documents submission intake case preparation risk classification acord forms prequalification erm gap analysis risk profile exposure profile erm programs enterprise risk management risk modeling it resilience erm cognizant enterprise risk and security consulting national society of genetic counselors kols european board of medical genetics medical science liaisons nodes moreno centrality measures social capital msls pubmed sociogram thought leaders data-driven culture data culture cdo chief data officer data strategy wearit@work smartglasses smartwatch transcelerate biopharma clinical trial operations clinical trial management clinical trial process shared investigator platform governance and regulation elt customization extraction sap abap cloud applications cloud console record of transactions platform-safe transformation and loading multicloud integration port operations port disruptions retailer supply chain operations alternate routing strategy port shutdowns supply chain risk risk-assessment methodology obsolescence risk-assessment framework managing risk obsolescence policy asset obsolescence obsolescence risk screen widths form factors html 5 multiple screens media query apple continuity browser utility tools wireframes os x breakpoints jquery yosemite fluidic design concepts know your client ediscovery foreign bank organization sr letter 12-17/ca 12-14 recovery and resolution mandate guidance standard chartered plc banking regulation compliance fbo legal process services providers non-prosecution agreements deferred prosecution agreements npas dpas and iot internet of things(iot) transforming manufacturing with the internet of th smart manufacturing connected supply chains smart technologies smart product economy web experience management promotional material approval promotional material review promotional content ecosystem active demand management smart buildings sustainability strategies energy demand management remote asset management informed infrastructure dynamic energy real-time payments infrastructure alternate identifiers npp iso20022 messaging real-time payments and settlements npp solutions framework australia's new payments platform new payments platform reserve bank of australia social media performance social media maturity assessment social media maturity social media governance social media-centric semiconductors livio aggregators ip connectivity odms machine to machine communications repeaters bluetooth low-energy ems gateways surface mount technology uuid ip addressability original design manufacturers near-shoring electronic manufacturing services high technology companies routers asset management systems iso55000 asset-intensive companies asset management strategy asset modeling back end as a service mobile back end as a service api management anypresence feedhenry madps mobile channel mbaas kinvey service oriented architecture mobile application development platforms micro services omni-channel experiences mobile client layer banking convergence customer journey analytics customer journey ecosystem corporate level financial visibility achieving p&l lineage visibility processes and department drivers developing information management processes intraday collateral compliance costs intraday liquidity monitoring gross liquidity inflows liquidity risk management complaints process automated return/refund management complaint categorization return management complaint recording cognizant medvantage profitability management customer-service analysis customer segmentation analysis insurance distribution sales conversion analysis cross-sell/upsell analysis field management customer probability analysis rwe xigris wellness medhelp patient adherence study emr gsk rct real-world evidence avandia real-life data patientslikeme patient registry electronic medical records randomized control trials curetogether amazon google digital companies explicit needs implicit needs discovery showtime hbo nordic hbo cbs all access univision online video distribution services broadband amazon prime video nielsen’s total audience report over the top ovd nbcuniversal hulu netflix 4k comcast ott dcba methodology process assessment process transformation lean and six sigma tools lean philosophy methodology process mapping outcome-driven change customer experience framework capital adequacy net stable funding ratio (nsfr) basel committee on banking supervision (bcbs) intraday liquidity management social customer care social-media monitoring social care prioritization framework query redirection dynamic prioritization customer care social-media intelligence cognizant's social prism supply chain network optimization supply chain network modeling simulation techniques supply chain network design supply chain networks cognizant analytics for banking & financial servic cognizant business analytics services social media feedback social prism tool product user likes and systems engineering automotive companies fiesta movement bill of materials accelerator soap/rest pulse nlp systems car review forums takaful insurance distribution channels multichannel integration hni formative online aggregators bancassurance tied agents metlife fod future-ready future of distribution high-net-worth individuals foundational kroodle microensure life insurers aegon upset conditions pump simulation hazard operating parameters process plants soft sensing process transient behavior reactor catalyst activity thermal effectiveness turbine driver power conversion efficiency compressor operating efficiency process management operability analyses critical failure scenarios process safety studies heat exchanger fouling furnace firebox thermal efficiency dynamic simulator subscription model perpetual license soe sor isvs systems of record independent software vendors european private banks uhnw european wealth management bhpn auto finance industry compliance monitoring fair lending act auto loans larger participant rule buy here pay now ecoa auto lending markup and compensation policies credit bureau reporting equal credit reporting act on-demand testing service on-demand testing managed testing services taas testing as a service testing mobile apps mobile applications testing mobile test automation mobile testing vendor selection core replacement clearing and settlement execution planning global banks hmv predictive data analysis online conversations predictive online reputation management domino's brand reputation amy's baking digital influencers orm systems thinking engineering analytics domain engineering warranty claims processing warranty strategies warranty data high-tech manufacturers warranty processes warranty information mlr review pdf rendering pdf rendering factory model learning management systems educational value chain cognizant's education practice new learning delivery models mrl requirements digital content compliance digital content auditing digital promotional content cfo alliance cfo's influence intelligent sourcing kpmg new process genome consero drive efficiency role of cfo business partnership maturity ovum resource forecasting change agent network field services workforce change implementation tool deployments process improvements truck rolls mobile initiatives. mobile workforce apple ios 8 ios 8 and the enterprise post-sales support wireless sensor networks lcc code halo(tm) connected workforce workers' compensation insurers loss control consultants smart factories m&a lifecycle it synergy it integration management m&a integration process m&a value creation m&a strategy it transformation it portfolio rationalization it value cem roadmap integrated channel experience cem cem maturity ladder branding experience cxm customer lifecycle customer experience management plant operations transformation oneplant plant operations management apex floortrack it/ot convergence networked supply chain reliability responsiveness competitive edge supply chain maturity supply chain orchestration supply chain benchmark supply chain leadership agility supply chain performance maturity curve supply chain effectiveness strategy lifecycle component testing data quality assuance (qa) big-data validation big-data testing hadoop validation framework cognizant's data testing center for excellence diversified multi-vendor sourcing strategy managed service model straight-through processing payments operating models selective outsourcing dutch banks peer-to-peer payments providers shared service model digital media solutions digital media services cognizant dms cognizant digital media cognizant digital media services practice overview digital media consulting cognizant dms practice enterprise robots robots outsourced testing services structure of testing functions ovum decision matrix outsourced testing service provider 2014–15 the evolution of testing services invest sef review strategic execution capability strategic execution framework sef strategic execution insurance self-service portals smart processes agency and distribution management new business and underwriting retirement and wealth management property and casualty contextual customer experience hotel industry oracle product hub capabilities cognizant’s scalable framework robust product information platform cognizant’s scalable framework and solutions reservations millennial mobile device hospitality consumer restaurants location-based traveler principal banks merging banks bank mergers integrated healthcare idn idn maps idn analytics integrated healthcare model integrated delivery network cognizant's analytics practice consumer finance protection bureau loss mitigation unified servicing platform ots fha default mortgage servicing federal housing administration deed-in-lieu u.s. department of housing & urban development real estate owned short sale office of thrift supervision hud reo op-ex smart asset management eam eam-gis equipment failure costs t&d utilities asset maintenance online monitoring systems failure event saifi transmission and distribution utilities cap-ex historian saidi maifi reducing outages microsoft playready video transformation theplatform digital rapids aspera online video ineoquest me-cast adaptive streaming multiscreen solutions motorola securemedia uhdtv multiscreen video rhozet jdsu scte standards cablelabs tektronix facebook fbx promoted listings in-feed units programmatic real-time bidding paid search units native advertising google play in-app advertising in-ad ads with native elements yahoo rmx online marketing transactional ads recommendation widgets ios app store rtb google doubleclick dynamic creative optimization diverse identities commodity futures modernization act eugene f. fama emh glass-steagall y v reddy efficient market hypothesis difference anxiety plurality of thought contrarian thinking lars peter hansen grabcad robert j. shiller risk classes nike fuelband mortality assessment technology insurance underwriting ebm ebu misfit shine ebra biosignia evidence-based risk assessment wearable fitness devices evidence-based medicine evidence-based underwriting medical innovations gene testing risk assessment fitbit flex granular risk classification bio-monitors wearables market wearables ecosystem smart glasses data transformation trustworthiness assurance reasonability check extract transform and load processes data origination trustworthiness assurance governance program data lineage process data sources operational data quality directory services hosting solutions dam system locally attached storage hybrid dam administration domain name service co-location dam applications management digital customer engagement digital engagement search-driven commerce automated software testing minimum viable product development lifecycle time to market e-commerce businesses software engineering code quality measurements multi-variate testing supply chain code halo sconto supply chain council supply chain ontology ontology supply chain operations reference extract transform and load sybase iq data validation process qe&a macro sql queries flat-file validation database testing microsoft sql 2008 sql scripting netizza informatica vertica etl testing m&e software vendors commercial off-the shelf software software selection best practices m&e m&e software selection software selection centre of excellence media & entertainment practice cognizant information cognizant ime practice packaged m&e software cognizant's global technology office gamified experiences behavior-change initiatives gamification 3.0 big-data analytics for personalization hyper-personalization behavior-based frameworks card-based payments payment cards atm and cds hosting cots payment software card payment processing payment cards software pos commercial off-the-shelf payment software non-cash payments atms contactless cards mobile cards wealth managers hnw high-net-worth clients u.s. private banks patient centricity medication non-adherence health activate patient adherence medication adherence program adherence framework medication adherence coordinated care triple healthcare aim patient adherence program patient-centric care performance testing data warehouse testing digital wealth management tools asian private banks wealth management app wealth management platforms healthactivate fitbit employee wellness personal wellness employee health wellness improvement program icommit2fit hcp digital interaction systems of insight hcp engagement platform hcp engagement customer data banking and financial practice basel iii capital requirements basel iii capital quality sifi basel iii countercyclical buffer the third basel accord basel iii liquidity ratio basel iii leverage ratio basel iii framework basel iii capital conservation buffer systematically important financial institutions credence attributes t1 it services search attributes experience attributes infrastructure arbitrage l1 claims adjustment unmanned aerial vehicles field adjusters agricultural claims personal lines insurers drones risk-engineering post-catastrophe claims uavs coherence correctness completeness geographic location information database listings lbs application service level isv churn cac independent software vendor cost of acquiring customers loop back renewals consumer insights command center cicc multi-tenant architecture quality assurance and testing customer relationship management systems amazon ec2 underwriting assistants commercial risk business manuscript endorsements workflow management tools cep electronic communication network " "cross-asset surveillance slow market arbitrage " "spoofing trade surveillance " commodity futures trading commission " "pump and dump" hft complex event processing "cross-market surveillance "quote stuffing ecn electronic front running financial industry regulatory authority (finra) current-state analysis compliance gap analysis ecm pillars ecm strategy cognizant ecm practice content management strategy ecm roadmap future-state analysis unstructured content intelligent semantic model enterprise information management intelligent data management semantic models peer-to-peer lending sites cloud-based contact centers end-to-end digital processes auto lenders digital blueprint self-help web sites lead-management channels automotive financing star dealerships e-mechanism differentiation end-to-end supply chain visibility informed products informed manufacturing maturity framework informed people product-condition monitoring informed processes barcode synchronization outcome-based learning educational assessments los platform los implementation failures los failures loan origination platform los implementation customer service representatives tpas voluntary market csrs third-party administrators business process reengineering voluntary offerings bpr group insurers private banking regulatory compliance wealth management services high net worth customers private banking mobile apps pb services mobile banking apps hnw customers private banking services private banking customer sentiment customer insight command center clarabridge scriptless automation traditional test automation scriptless testing scriptless automation testing cloud-based services cloud infrastructure captcha advanced encryption standard cloud provider network address translation server payment card industry data security standard pci security standards council nats 300 shoppers to help retailers prioritize investme cross-channel customer service ris news and cognizant examine travel planning trip planning application portfolio assessment linear tape open digital asset management system cost basis high-resolution video files cost factor media asset management cost avoidance lto cost area enterprise storage area network ingested content real-time monitoring geofence smart mobile apps geolocus user-based insurance programs (ubi) telematics platform telematics consulting teen safe driving event processing real-time alerts machine-to-machine gateway value delivery network specialty crop block grant program research institute of organic agriculture ifaom international federation of organic agriculture mo farmers markets organic cost share program afs the united states organic food market forecast & o usda organic standards 2014 farm bill value-added product market development grants alternative food systems organic monitor industrial organics fibl small farms organic food supply chains journey maps ifx/fdsm novantas mobile user interface gmc software technology peoplemetrics check balances moven personal financial management pfm customer-centric strategy simple digital banks mint emerging analytics technologies usbhc fed-fnbfcs stress-testing cross-border banking u.s. federal reserve enhanced prudential standards risk technology analytics and reporting liquidity risk framework fedboard fbos foreign banking organizations ihc u.s. bank holding companies collins amendment operational and reference data fatf enhanced due diligence usa patriot act specially designated nationals office of foreign assets control money laundering control act false positives bsa politically exposed persons edd financial action task force watch-list filtering cdd bank secrecy act pep money laundering automated monitoring and mitigation performance tracking collateralization event-based monitoring non-performing assets ews asset covenants early warning system pre-default identification day-on-day monitoring bank assets early warning system framework smart life smart-home market smart-life services smart-home system communication service provider smart-life market smart-home services hybrid applications flotr2 webkit native applications mobile web applications iscroll jquery mobile swipe js rgraph js libraries webview html5 css b2c zynga scroll health insurance exchanges hix model state-based health exchange federally facilitated exchange european banks peppol twist bank services billing eteg european union community cloud single european payment agreement financial supply chain e-invoicing bsb cloud-based e-invoicing tri-party model "pay-as-use" model margin pressure retail shrink video surveillance. patient-centric network patient-centric triple aim framework use case business case product mobility cognizant business consulting wholesale banking partner transfers electronic fund transfer act u.s. remittances disclosure approvals fx remittance international remittances white-labeling remittance hub standardizing disclosures efta section 1073 collateral-based lending online borrowing p2p lending marketplace lending aftermarket service strategies batch processing data fencing data masking release management extract-transform-load payment card industry’s data security standards white box online analytical processing phi protected health information black box ibm spss temenos t24 ibm idataplex server cluster analysis ensureit dexguard comscore aite group online banking mobile applications m-banking services arxon trusteer mobile sdk mqa research manual regression qa teams preproduction deployment agile testing sei advisory assessment models software test maturity assessment execution environment tmmi foundation ansi nonfunctional testing ieee promotional material review and approval lmr process pillars bio-pharma marketing lmr methodologies lmr transformation lmr process demand signals bullwhip effect business process design business process diagram bpd business process management notation iot-based solutions manufacturing value chain iot-enabled capabilities iot concepts master data management proof of concept mdm poc iosco and bcbs sponsored working group iosco bespoke international monetary fund central counter party non-centrally cleared bilateral contracts international organization of securities commissio standardized derivatives wgmr complex derivatives initial international swaps and derivatives association margin provisions mmf exemptions mmf disclosure mmf stress-testing investment company act money market reforms sec liquidity fees and gates floating net asset value rule 2a-7 intraday settlements basis-point rounding method form n-mfp penny-rounding system nav mmf reforms u.s. securities and exchange commission mmf portfolio valuation diversification rule omnibus accounts social banking credit support annex operational silos total return swaps swap counterparty algo collateral settlement calypso optimize collateral total return payer total return receiver funding bank treasury borrowing advisory committee swot raas strengths weaknesses opportunities and threats ana pestle political economic social technological analysis research services fte research as a service full-time equivalent collateral demand rehypothecation lehman centrally cleared central banks standardized derivative contracts u.s.treasury dodd frank derivative exchange aaa assets chicago mercantile exchange risk aversion begg-gray method modified home loans debt-to-income ration markov chain negative equity multinomial logistic regression foreclosure risk estimates loan modification programs re-default carve out sap asap shadow implementation sap infrastructure divestitures commonality pci skill gap talent constraints technical resources scarcity crossover wto interactive voice response phoneme enterprise voice technology solutions voice automation voice biometric acoustic model voiceprints dtmf tones speech transcription slm statistical language model ivr asr automatic speech recognizer pstn telephony lossy compression accusoft tweetbot decoding inter-frame compression storage and retrieval storage and transmission incredibooth motion estimation images and videos image codec decompression intra-frame compression digital media content motion compensation lossless compression compression techniques contact center infrastructure communication-as-a-service self-service contact centers virtual contact centers contact centers multi-channel service smac stack(tm) cognizant technology solutons cross-channel communications customer touchpoints multi-channel enablement contact center trends username tokens legacy applications j2ee sla management security bots enterprise soa secure sockets layer ws-security model data sniffer ssl chaps fps registration authority bacs global payments clearing ra neft mx real time gross settlement rtgs chats chips fedwire swift mt financial messaging standards differntiation social business insurance and retirement services producers insurance and retirement services social business tactics shared services center shared services leaders enterprise shared services wealth management market hnwi high net worth individuals asian wealth management self-service omnichannel customer support cross-channel customer support online self-service portal online self-service self-service portal principal component analysis condition index methodology tukey's method f-test eda outlier analysis investigative analytics t-test repeated value analysis exploratory data analysis z-test pca chi square test scatter plot inferential statistics case report form jamie dimon jp morgan bank of new york marshall and isley ford pinto unknown risks unknown unknowns zba donald rumsfeld monte carlo theory zero balance accounting black swan theory general ledger software m&i known knowns enterprise architect known unknowns reducing sg&a sg&a european banking authority financial service authority product control profit and loss positions ipv independent price validation fsa otc operations gaap transaction accounting system p&l static application security testing vulnerability analysis application vulnerability automated security code scanning sast dast dynamic application security testing security coding cloud-based solutions cloud adoption cloud return on investment capital markets cloud roi the cloud non-judicial foreclosures loans real estate judicial foreclosure housing servicers benchmark days foreclosures attorney performance foreclosure process mortgage servicers attorney player personas maslow's hierarchy of needs behavioral economics virtual economy bartle model gamification program managers income replacement retirement planning post-retirement income income replacement ratio retirement offerings irr retail supply chain material handling systems asn label-free receiving warehouse management systems mhs logistical unit barcodes automated conveyor-based receiving conveyor-based receiving and sorting cross-docking strategies advanced shipment notification service-based process automation digital supply chain work-in-progress assets workflow automation digital content management cognizanat 20-20 insights digital workflows damification metadata automation compliance-centered platforms medicare fee-for-services costs ffs business process automation mapd proactive risk management mapd change management platform cms online channel integration tax management non-discretionary model 2008 financial crisis discretionary model rep-as-portfolio manager advisory platform uhnw segments automated overlay wealth management best practices relationship management frontline performance re-as-advisor sticky products mass market segments mass affluent market hnw segments edi swift mt103 fx receivables multinational banking fx price aggregation algorithmic trading iach payments b2b fx operating model b2b fx payments fx payment input channels global transaction banking electronic data interchange fx pricing models foreign exchange transactions b2b foreign exchange fx payables integrating bids consolidating bids pre-trade price discovery municipal bonds municipal bond market cusip alternative trading systems order management system pre-trade price transparency bids-wanted platform optimization technology zone pricing key value items kvis price setting cost to serve showrooming price-intelligence services price elasticity demand-based technology advanced price optimization retail margins price-management software price recommendation tools retail pricing the crossroads model run better run differently cognizant global clinical services medical management budgets case management enterprise architecture frameworks enterprise architecture planning zachman it enterprise architecture togaf enterprise architecture methodologies social media tools 360-degree customer view customer brand score multiplier effect minimizing liquidity risk risk-management risk-monitoring the dodd-frank act market liquidity risk liquidity risk global financial system mobile analytics mobile analytics suites mobile web analytics real-time data collection mobile analytics for business intelligence real-time mobile analytics customer profile digital footprint multidimensional customer profiles smart grid innovations cis regulatory compliance cis implementation cis assessment cognizant energy and utilities practice cis capabilities cis transformation customer information system global technology consulting practice retail planograms planogram compliance merchandise placement store-specific planograms intelligent image integration technology mobile shelf management technology planogram components shelf-level planogram compliance planograms priority sector lending in india reserve bank of india guidelines foreign banks in india wholly owned subsidiaries in india investment banking in india banking in india rbi financial inclusion it consulting for banks in india hni population in india rbi regulations business consulting for banks in india mobility implementation mobile maturity index creative destruction insurance processes banking processes hybrid service models business process work reimagining work social media functionality healthcare processes third-party logics e-commerce fulfillment real-time synchronization e-tailers last-mile delivery automated order fulfillment omnichannel warehouse management hub-and-spoke distribution models on-demand fulfillment offsite storage e-commerce fulfillment centers same-day delivery service excellence output- and outcome-based delivery it service management strategies vendor risk management vendor resiliency risk vendor resiliency program vendor resiliency customer grouping analysis clustering health clustering validation. peer grouping anti-money-laundering systems segmentation variables it sourcing service delivery output- and outcome-based commercial model sourcing models service delivery model finrep foreign account tax compliance act capitalization crd iv capital requirements directive iv it service providers nordic banking market data security standard for improved card holder pr fis omni-channel banking misys intelligent machines cyber-physical systems manufacturing innovations health insurers member centricity cognizant's business process services practice optimize it spend business innovation reduced it spend it cost optimization strategic it cost optimization eep strategy erp systems erp solutions volume-weighted average price calculation market depth vwap algorithm mathematical model liquidity aggregation global mes mes manufacturing execution system workforce diversity center for talent innovation acquired diversity serial innovation diverse workforce diversity inherent diversity inclusive workforce mortgage rules atr new mortgage regulations atr regulations ability to repay atr/qm rules qm qm regulations qualified mortgage cfpb regulations u.s. housing market global services swiss banks global sourcing swiss private banks ipsoft cortex it process automation microsoft opalis microsoft orchestrator ca server automation hpoo autonomics self-healing automation automation solutions ipcenter self-learning automation hp operations orchestration run-book automation hp database and middleware automation juniper dma innovise it operations automation bmc bladelogic automation suite risk and compliance trade repositories g20 collateral requirements interest rate swaps australia emir requirements hkma central counterparty transaction reporting electronic trading sert odwalla business continuity plans chief information security officer security emergency response team denial of service attack security response ciso crisis management exxon valdez icd-10 codes icd-10 compliance icd-10 analytics icd-10 data insurance regulatory and development authority united healthcare private health insurance medical diagnostic national health package central government health scheme rural india medical health insurance private health insurers india healthcare general insurance corporation healthcare standardization depository disclosure fund managers record keeping communication transparency ucits investor protection regulations capital requirements transactions process optimization cognizant cloud services modernization cloud solutions cloud-enabled enterprise transformation fabric it infrastructure services outcome-based approach information technology infrastructure library itil v3 blas business level agreements millennial workers gamified applications reward systems mobility strategy mobile center of excellence mobility policy cognizant mobility consulting mcoe non-compliance audit trail nonbank student loan cfpb regulation student loan servicers cyber security qualys pallets packing dc kvi kpi key performance indicators diverse pos systems cognizant business consulting's retail practice point-of-sale systems pos systems pos data quality pos data testing in the cloud cloud testing testing teams cognizants insurance business unit core process supporting processes enterprise application data social software brand advocate personalized shopping customer loyalty analytics code rules digital lives culture code culturecode #culturecode flexible value chain ghs; ghs-compliant; material safety data sheets; m bank channel integration multi-channel integration channel integration u.s. wireless communications market u.s. wireless carriers u.s. wireless market claims submission semantic enterprise semantic technologies agent-driven integration agents web 4.0 web 3.0 iso 8859/9 iso 8859/1 extended binary coded decimal interchange code character set ibm db2 kanji hp sql/mp drda nonstop guardian parallel processing joins locking ebcdic ksc5601 z/os index recovery disributed relational database architecture risk view new vantage partners northern trust global custodians operational agility bny mellon global exchange analytics solutions asset servicing data aggregation cross-selling statestreet on demand cmmi it delivery excellence outcome-focused it delivery it value chain software supply chain software value chain cognizant 20-20 reports rural banking in india rbi guidelines service providers for indian banks unbanked/underbanked population in india new banks in india financial inclusion reserve bank of india licensing guidelines consulting for indian banks banking licenses in india emc hortonworks google file system century link replication factor cloudera google mapreduce idc distributed file system redundant array of inexpensive disks mapr business rules management human intervention workload management solution insurance claims management bpm technology triage manual claims automated claims uml suppliers input process output consumers sipoc computer economics activity-based costing it cost management extended business modeling language it organization abc unified modeling language managing it costs xbml dhanlaxmi bank ramco systems edw cdr rbi wolters kluwer financial services indusind bank adf automated data flow enterprise-wide data warehouse dbs bank of baroda biz$core hdfc bank dcb reserve bank of india central data repository department of banking supervision pharmaceutical supply chain pharmaceutical value chain thornton may icd-10 transition reimbursement analysis financial sensitivity analysis lead generation phoenix marketing survey hartford center for mature market excellence claims processing pitney bowes software allstate nationwide social media platform youtube liberty mutual claims transformation candidate assessment talent management candidate sourcing talent forecasting gamified user engagement gamification techniques customer segments customer segmentation framework north american retail banks student information system learning analytics student portal sis affordable learning distance learning online learning digital textbooks cognizant social cognizant technology reports image recognition analytics social media command centers laei framework health patient adherence management managing digital content rights management system rights management mobility strategy; mobile business strategy; enter data warehouses; information lifecycle management; tealeaf omniture mongo db cloudbees electric cloud elasticsearch logstash ticketing systems hudson chef kibana soft skills jenkins configuration management tools puppet data management gold copy gamification; gamifying; game mechanics; employee business model innovation the tipping point projectvision early warning systems opportunistic disruptions tomcat db2 custom java virtual infrastructure platform hbase weblogic business-critical applications websphere microsoft exchange microsoft sql server big data solution big data platform big data technology reference architecture social metrics social media measurement social data private exchanges private health insurance exchanges consumerization of healthcare opendaylight project abstraction software layer volumetric modeling infrastructure architecture nicira ip virtualized compute nodes software-defined networking cisco cloupia lan hypervisor manufacturing; mobile computing; mobile solutions; ahrq healthcare information technology agency for healthcare research and quality nhs england hit the foresight report healthcare organisations ehrs integrated delivery networks cpoe patient care idns world health organization healthcare technologies marketing analytics; insurance marketing; p&c pers flexible commercial models; business process servi banking services agile data warehousing dw/bi maas smb subscription business models recurring revenue caas average selling price office 365 monitoring as a service communications as a service avsp on track rail freight international union of railways ptc smarter railroad gotcha rolling stock orbita intelligent infrastructure thalesman rail companies uic signalling equipment rail systems assetview positive train control assetwatch ii point-to-point enterprise application integration hub and spoke eai finance organization poi adaptive supply chain order execution perfect order index legacy conversion platform conversion score pcs cognizants center for the future of work moores law engineering manufacturing solutions financial advisory firms; social networking. socio data validation; qa; quality assurance; quality te picture manipulation inspector test management class codes national council on compensation insurance elf primary layer granular pricing ncci combined ratio excess layers excess loss factor hazard groups net written premiums predictive analytics; predictive models; fraud det qpi cost of quality cpi cost performance index zero incident products schedule performance index coq ocm quality performance index zero defect releases test design automation spi unified test strategy world leading quality food and drug administration amendments act rems risk evaluation and mitigation strategy ds&e credi fdaaa drug safety and epidemiology clinical research document and information system microsoft sharepoint document management socialbakers cognizant academy altimeter group enterprise social community semiocast job control language dsn jcl environment division cobol enterprise compiler ibm z/os mainframes file-entry clauses application performance analyzer availability statistics and performance data source name data division hp nonstop tandem systems reference format identification division scobol data dictionary dd input-output section screen cobol deviceware adaptable infrastructure service-based infrastructure services economy radical adjacency peer-centric leadership externalization fluid core inventory planning vendor-managed inventory meaningful use value-based purchasing connected care mobile medical devices u.s. healthcare vbp continuous care just-in-time intervention patient self-care mhealth high performance analytical appliance restful api pal predictive analysis library apache uima hana ibm impact anything as a service capitalone forbes insights open innovation w. w. grainger first mover virtual idea management platform my starbucks idea fast follower johnson & johnson banking systems market survey union bank of california irish bank aib finacle solution nontraditional testing snp lean management snc lean principles atp sap erp global availability to planning advanced planner & optimizer supply chain planning mps first time right muda gatp supply network planning sap apo lean sap supplier network collaboration master production scheduling available to promise mobile banking adoption mobile banking devices banking consumer segments tablet computing retail banking segments digital wallet mobile banking security mobile banking transactions banking channels food and drug administration risk-based monitoring strategies risk-based clinical trial monitoring draft guidance on risk-based monitoring cognizant life sciences clinical trial performance gmp fcf sap grc 10 sarbanes-oxley act good laboratory practice risk management and compliance approva one approva bizrights enterprise risk financial control framework cobit good manufacturing practice grc uk bribery act glp cg companies medical devices industry medical device makers medical devices excise tax collections and recovery solution retail debt recovery debt recovery processes pd credit risk mitigation ead probability of default esma loss given default lgs exposure at default central clearing counterparty ccbm collateral crunch european securities and markets authority public provident fund 401(k) plans project oasis epf pfrda national savings certificate swalamban yojana employees provident fund new pension system pension reforms melbourne mercer global pension index tdd test-driven development stand-up meetings software service providers global service delivery scis agile delivery model software delivery lifecycle watefall models software configurable items capability-led it business-it strategies competitive differentiation application disposition evaluation offshorability multidimensional analysis as-is analysis apr application management insurance industry mobility mobile ecosystem manufacturing execution system; mes; agile solutio corporate governance strategic alignment holistic governance gamification; insurers; customer experience; axa u underwriter assistants risk consulting incurred losses premiums brokers casualty loss ratio post binding services insurance products decision support automation consumer goods and services manufacturing productivity u.s. manufacturing manufacturing revival digital manufacturing age cgt research; consumer goods companies survey; con new technology merger and acquisition synergies ec enterprise consolidation distributors eca content consumption broadcast industry entertainment industry tablet cisco ios high-technology hardware manufacturers business intelligence layer sensor cisco smart call home comcast xfinity home netapp auto support device connectivity gsm association machina research e-reader entitlement management medical management as a service mmaas insurance industry; crm; limra; multichannel distr merchandise sourcing e-tailing distributed order management hub-and-spoke distribution agvs automated guided vehicles fulfillment centers sku count transportation management sales fulfillment fulfillment kiva warehouse management skus navigators qhps hix marketplace health insurance exchange qualified health plans health benefits exchange ppaca put way picker inbound materials processing warehouse managers outbound shipping order accuracy epod epoc inspection account executives personal and casualty insurance sales analytics sales calls supply chain systems supply chain operations sales operations framework sales operations excellence sales operations cognizant bpaascloud-based bpaas world health organizationlife sciences & pharma mobility strategies enterprise information management & analytics enterprise architecture case studies web self-service. energy & utilites value chain business process services supply chain management consumer goods regulatory submission and approval process computer systems validation eudralex annex 11 21 cfr part 11 csv hp quality center e-signatures iauthorize electronic signatures utilities value chain u.s. electric power sector electric utility business model cognizant informatica tdm solution informatic ilm test data tdmaxim others veeva irep ecoupons apple ipad boston scientific esamples medtronic abbott closed-loop marketing otsuka pharma digital detailing ipads net stable funding ratio payment card industry data security standard; pci agile architecture continuous flow manufacturing synchronous manufacturing flow manufacturers lean manufacturing ccm platforms ccm applications ccm technology xbrl iso 15022 corporate actions processing extensible business reporting language corporate actions automated corporate actions processing mifid-ii client hierarchy onboarding process socia media social media for utilities gray marketing counterfeit drugs internet engineering task force e-pedigree law ietf gs1 sfda product identification equipment serialization line system pie farmers insurance group all state kasina american family bazaarvoice pemco social design state farm new york life radian6 aviva american family insurance northwestern mutual kontsurnous generali farmers insurance thrivent rapleaf healthcare analytics u.s. healthcare industry mdm project failures mdm projects mdm programs mdm readiness mdm initiatives m-wallets dwolla banking business model sewell wright fit-destroying change siggelkow fit-conserving change pay with square quantitative easing remote infrastructure services; rim; rim services; vpn domino http request proxy extended library lotus notes simulators javaserver faces dojo toolkit mobile application dmz environment javascript xpages mobile controls ajax cloud erp environmentally friendly pmdm data validations oracle fusion oracle product hub product data bpel components product master data management sourcing-to-shelf source-to-shelf source to shelf insurance fraud geospatial analytics text mining p&c claims fraud national insurance crime bureau nicb link analytics claims fraud pfizer patent cliff sanofi-aventis takeda glaxosmithkline roche abbott labs contract research oganizations r&d site closures astrazeneca bayer merck ssis; sql server integration services; etl; extrac migration planning and execution large-scale soa technology migration migration units legacy technology migration technology migration large-scale technology migration web services migration programs large-scale migration program soa technology migration multidomain mdm mdm coe enterprise master data management multidomain master data management master data management center of excellence business transformation programs mdm center of excellence enterprise mdm systems integrator; si; systems integration; core market basket analysis; mba; retailers; retail sto software reuse. variation points application bootstrapping localization commonality and variability analysis likert scale application code base internationalization extensibility exception handling rdm utilities roe reengineering rdm rdm capabilities rdm otc market reforms rdm operation rdm as a service reference data management overhauling rdm capital markets firms agile project; scrum team; product backlog priorit agile planning; multi-project; multi-team; scrum a holiday shopping season retail mobility tablet-based shopping smartphone-based shopping mobile commerce trends average order value mobile strategies mobile shopping behavior mobility investments retailer strategies mobile commerce channel strategies shopping behavior mobile shopping future of learning m-learning m-learning initiatives salesgym learning content strategies corporate learning learning technologies value stream mapping poka-yoke 5s just-in-time inventory andon collaborative forecasting and planning rmp identification of medicinal products. eudract european commission ctd xevmpd clinical trials directive european organization for research and treatment o eu 2020 extended eudravigilance medicinal product dictiona 2001/20/ec eortc clinical trial conduct costs imp standard naming convention adobe sitecatalyst tag management systems javascripts server-side conditionals tagging tools tms adobe cq client-side conditionals silverlight demand analysis supply chain risk management demand-driven supply chain information and communication technology utility consumption utility costs leakage energy management green sigma coalition heating ventilation and air conditioning hvac ecometer ict consumption monitoring enterprise carbon automotive electronics vehicle-to-vehicle communication ecall phyd mechatronics v2v v2i pay how you drive connected life cagr consumer finance anywhere - anytime borrower registration loan servicing nomadic computing; mobile technology; nomadic comp cloud 360 icici icici bank transferwise global remittance low-cost remittance money transfer operators moneygram western union global remittance market global remittance business cash to cash services cost of remittance private banking; india; pb; pb services; reits; th mobility initiatives mobile initiatives mobility maturity framework mobility roi insurance mobility initiatives actionable information information self-sufficiency icc self-service information business intelligence competency center nfc-equipped devices innovative mobile solutions nfc applications three-dimensional augmented reality innovation in mobility mobility 3.0 cloud360 management platform cognizant cloud strategic marketing tool e-mail marketing marketing tools can-spam act can-spam act of 2003 customized e-mail e-mail marketing campaigns security services cloud security concerns obfuscation cloud security requirements virtual lans virtual data center technologies security for cloud environments cloud security controls cloud security process-centric crm do-178c guidelines do-178c aeronautical software airborne systems certifiable avionic software avionics software rtca do-178c avionics equipment radio technical commission for aeronautics rtca do-178b software considerations in airborne systems and eq erp; enterprise software; amc; application managem medical applications contracts maintenance service response object ui template mobile mim gateway services json parser loose coupling the mit center for digital business communications media and entertainment industry the production search delivery framework cme industry digital platform ebook value chain newspaper value chain cme industries psd framework social computing social initiatives finance operations fao outsourcing transformation roadmap finance transformation roadmap finance and accounting outsourcing shopper study store associates insurance companies; mobility; social media; enter worker empowerment; boundaryless workplace; social virtual collaboration; virtual collaboration platf value at risk; var; revaluation method; historical social; mobile; analytics; cloud computing; elasti submission intake; commercial underwriting; middle pharmacovigilance; pv organizations; pharmacovigil healthcare reform; md; medical device; hcp; health healthcare model physician contact multimedia channels multichannel marketing spend allocation marketing channels cross-channel planning pe foreign accounts tax compliance act blackstone ipo kkr form pf private placement memorandum private equity bain capital alternative investment fund managers directive ftse it-bps ppm global capital markets mitt romney sudhir gupta akhil tandulwadikar financial market landscape rajeshwer chigullapalli financial innovations post-trade function post-trade infrastructure eggplant wi-fi test quest zap silktest symbian jamo robotium gprs qtp windows mobile gsm see test rft wi-max energy conservation han automated demand response dsm dynamic pricing green button initiative energy prices home area network adr smart home management peak shaving u.s. federal energy regulatory commission electric power research institute advanced meter electric vehicle demand side management energy efficiency mortgage originators rules engines fico product and pricing management healthcare system healthcare data boxed approach sfdc bloomberg out of the box ims supplier management d&b reuters tco bai banking consumers consumer study connected lifestyle payd programs mobile communications ubi programs onboard diagnostics auto insurance connected vehicle services test risk assessment for project improvement applications development projects test risk assessment terapi testing stage project lifecycle failed it projects gap analysis governance group scoring model it product implementation pharmaceuticals industry; accountable care organiz finacle silverlake sibs si value-based pricing ge spare parts sales rolls-royce abc analysis aftermarket sales spare part pricing manufacturing companies services business core business standard markup cost-plus pricing after-sales service infrastructure rationalization enterprise data management it budget operations optimization slowdown mobile transactions mobile banking services retail banking operations direct banks self-service apps usage-based premiums mobile solutions holistic mobile strategy property and casualty insurance industry mobility platforms loss leader redlaser edlp price match hilo thefind price matching pegasystems siebel gui layer service request business object wrap and renew soap/http. wsdl siebel business layer service request bus comp csr siebel tools prpc financial planning and analysis fao fp&a finance departments finance organizations financial and accounting outsourcing fp&a outsourcing swift global payments payments services directives ma-cug payments processing book transfer payment business basel-iii swiftnet fileact scale player transaction banks single european payments area planning pmi certification project manager portfolio management resources staffing decisions schedule project manager scorecard project management prescription rebates donut hole expansion of coverage u.s. affordable care act cer comparative effectiveness research drug manufacturers medicaid biotechnology covered funds market making systemic risks hedging noncompliance counterparties proprietary trading homecare model insurance contracts british gas building and contents home serve breakdown cover service engineers uk home services boilers workforce planning automation utilities industry central heating equipment interim breakdowns field workforce nist application releases application environment tems application test environments test environment management services millenial malcolm frank next-generation workforce moxie insight collaborative technologies next-generation worker four walls social collaboration collaboration technologies 21st century business digital value chain e-commerce strategy travel industry customer loyalty solutions m-commerce strategy travel & hospitality industry cognizant travel & hospitality practice mortgage desktop underwriter uniform loan data delivery du lp loan processor interface layer mortgage los portfolio performance revenue thresholds niche products noncore brands vbm hcp ad serving viewthrough click forensics regression cnn health care providers last impression ctr doubleclick panel testing atlas cpm webmd iso 9000:2000 business rules engines epcs arc flexcube connect acquire-retain-cross-sell framework business activity monitoring oracle financial services iso 9000:1994 event-driven process chains rdr digital agenda innovator persona brm idea infrastructure idea management system brm organization business relationship management business relationship management operating model business relationship management organization iphone for work ipad at work it process excellence it organizational performance and process improvem it process improvement it organizational performance it performance and process improvement program integrated market research keyword analysis targeting online connections linkedin kol messaging data visualization market research trade execution disintegration ltro contracted euro eurozone post-trade payments ecb european central bank channel access stabilized euro long-term refinancing operation euro crisis byod initiatives byod costs mobile application development platform it consumerization mobile application management madp mobile device management consumer technology byod drivers integrated information management customer-centric business duedil cortera ihs information handling services exabytes dsc tr digital breadcrumbs information services contact directories jigsaw thomson reuters zettabytes multivariate testing digital analytic techniques zero moment of truth best buy advanced analyics offline data reconciliation solutions reconciliation platforms reconciliation post-trade lifecycle trade reconciliation securities firms securities services risk integrated claims management system exposure insurance company bailout gamify collaboration enterprise 3.0 virtual teams luxury products luxury retailers luxury items high-end brands luxury goods luxury manufacturers business competency model data mining three-dimensional visualization workforce turnover efficiency ratio 3-d dashboard iavm real-time analytics system intelligent agents 3-d visualization weighted outlier variable intelligent agent visualization model upstream assets unconventional shale oil upstream operations oil and gas industry oil and gas o&g crude oil production oil & gas industry downstream operations smart meter event data smart meter roi smart meter return on investment smart meter programs smart meter event processing event data smep outage management meter event data smart grid return on investment smart grid roi payment service directive transaction processing corporate treasuries forex open accounts working capital single european payment area demand drivers multicurrency integrated transaction banking content providers ime companies digitization of content media and entertainment practice cognizant information services digitization of media content distribution on-demand consumption fannie mae credit risk analysis originaton data interest rates uniform appraisal dataset uniform loan delivery dataset ucdp umdp uniform mortgage data program housing crisis unifor collateral data portal uad loan origination sgst interstate sale vat warehouse location gst value added tax goods and service tax distributor landed cost central sales tax cgst input tax credit cst distribution networks central goods and service tax state goods and servie tax post-trade reporting global asset management global aum post-trade reporting platform reporting as a service post-trade reporting system cloud-based reporting asset management industry online distribution uae insurance carriers customer portfolio information policy holder self service prospecting tools cognizant technoligy solutions uae insurance premiums uae insurers uae insurance market life sciences commercial operations mdm in the cloud cloud-based mdm mdm systems mdm solutions cloud-based master data management cognizant life sciences practice designing incentives incentive compensation . cognizant enterprise analytics practice innovative compensation design management by objectives ic mbo job mastery incentive models cognizant enterprise analytics practice brand management model the future of healthcare american health benefit exchanges telehealth mobile health apps health analytics aco healthcare conglomerates information value chain information delivery information insight mobile payment adoption mobile payment export sales planning order fulfillment business processes export markets export sales planning systems automotive supply chain automotive exports worker empowerment product and service innovation order management as a service fallout management omaas gsa nutch iwa search requirements google db connector googlebot google web crawler social search integrated windows authentication autosuggest delta query apache solr microsoft sql database collaborative sales planning collaborative planning commercial sales planning cognizant assetserv dam cognizant asset management as a service asset management cognizant kanban board signal card scrum-but retrospective scrumban application value management toyota production system agile scrum tps effectiveness cognizant diamond framework efficiency cognizant value creation framework cloud infrastructure of processes millennial processes cloud architecture globalization of processes knowledge process millennial generation virtualization of process malcolmfrank industrial globalization enterprise 2.0 cloud technology new organization process for enterprise 2.0 cognizant technologies emerging markets r&d supplies management vmi vendor managed inventory pharma supply chain r&d supply chain the new workplace information overload virtually collaborative workplace collaboration tools global collaboration collaborative workplace centre of excellence utility suppliers agent handling time ofgem deregulation holistic approach uk analytics technology consumer goods manufacturers consumer goods industry consumer goods technology version 5010 transaction standard icd-10 remediation international classification of diseases icd-10 testing strategy refinance charges underwater borrowers hafa housing market mortgage originations home affordable refinance project hope fanie mae harp 2.0 adjustable rate homeowners loyalty initiatives social loyalty airline loyalty programs mobile technology deployment consumerization apache software foundation apache mahout intelligent recommendation system naive bayes classifier collaborative filtering recommendation systems screening methods sharia-compliant djimi dow jones islamic market index islamic fund fatwa investing ethically islamic fund portfolio gharar riba maysir sukuk sharia screening human translation hispanic-dominant hispanic community machine translation spanish websites cross-channel integration third-party integration non-banking finance companies cooperatives nbfc gold loan market gold stock gold lenders collateral loan-to-value ratio wire fees payment factory automated clearing house ach lifting fees shared service centers cross-border payments international payments life sciences enterprises single user interface virtualized f&a outsourcing f&a automated workflow cloud-hosted applications biopharma companies in-house erp financial modules outsource end-to-end services finance and accounting (f&a) virtualize evogi group behavior-based insurance telematics pilot projects telematics data telematics insurance products on-board diagnostics teen driver safety programs snapshot telematics-based insurance products behavior-based software solutions patient reimbursement icd-10 migration patient classification systems diagnostic related groups icd-9 reimbursements icd-10 reimbursements drg grouper logic icd-10 readiness t2s platform post-trade arena eu single financial market initiative cross-border trade ucits iv cross-border transactions mifid european securities market pan-european domestic settlement marketplace cross-border settlements target2-securities giovannini barriers business process optimization business transformation initative application optimization advisor recruitment advisor systems practice development wealth management industry advisor servicing mortgage field services field services processes field services companies shopper survey nrf mal-content ugc moderation solution user-generated content ugc content moderation ugc moderation adaptive social media adaptive clinical trial process adaptive design social media monitoring online content eon lead time safety stock forecast error stockout stock-out service level safety stock management buffer stock reorder point customer advocates social shopping agile processes retrospectives tacit knowledge corss-functional teams explicit knowledge data challenges information infrastructure business information model data-driven insight global trade management managing global trade supply chains global trade application quality on-demand provisioning test environments cloud-based test environments canada's big six banks canadian banking system canadian banks canada's banks canadian banking industry reverse supply chain reverse logistics practices reverse logistics processes incentive management software incentive management system incentive management automobile incentives agile principles advanced solutions group sprint team daikibo scrum of scrum scrum masters agile/scrum consumer electronics industry consumer electronics retailers consumer electronics consumer electronics market consumer electronics retailing advanced analystics supply chain analytics security failure security attacks security challenges security flaw security breach security program managed services security security threats security issues security glitches security incidents corporate trade secrets security breaches credit decision trends credit information credit decisions credit data processing credit decision indices credit information providers agile sprint scrum team user story bbi bi adoption bi technology behavioral bi content strategy taxonomy content architecture content supply chain xml architect information and publishing industry content assets xml educational reform educational publishers student-centered learning educational publishing outcome-based education waterfall model hybrid software development approach scrum model software development methodologies private cloud services basel regulations trade finance trade finance software worldwide trade application portfolio analysis applications infrastructure network equipment providers; communication service liquidity enhancement liquidity enhancement schemes indian equity derivatives market equity derivatives market scrm public cloud cloud broker solutions as a service business process testing framework bpt framework reusability siebel testing global pharma companies u.s. healthcare market pharmerging markets u.s. pharmaceuticals industry u.s. pharma industry drug safety pharmacovigilance biopharmaceutical companies drug safety operations online customers interaction with customers dynamic checkout greater customer satisfaction in-store shopping in-store promotions online retail buying decision 21st-century shopping experience shoppers purchase history customer recognition open source testing tools open source tools open source testing software bugs qa process testing tools oracle on vmware oracle rac on vmware vmware vsphere outsourcing mortgage processing mobiliity medicare modernization act cms audit medicare prescription drug improvement and moderni mma itil methodology clinical research organizations service management clinical development pharmaceutical clinical development cro mortgage process as a service housing finance market u.s. mortgage industry government sponsored enterprise mortgage market u.s. lending industry program governance software project governance communication services providers network analytics killer apps high tech social media intelligence voice of the customer program text analysis tools voice of the customer wisard warranty optimization warranty management system warranty management processes warranty value chain multi-dimensional customer index customer composite vector customer vectors customer scoring legal information publisher publishing systems research services provider core publishing systems i2 scaler jda best of breed solutions supply chain software supply chain solutions pharmacy benefits management pharmacy industry pharmaceutical target identification; pharmaceutic westlaw bloomberg law search algorithms semantic search intelligent search legal search google scholar contextually sensitive search legal research location-based applications consumer-oriented technologies virtual goods social currency consumer technologies fixed-price contract fixed-bid contract agile pricing model fixed-bid pricing internet banking virtual financial market virtual bank internet banking model internet banking strategy online banking stem make nysci maker faire new york hall of science mdm testing function point estimation mdm applications function point analysis electronic coupons automated coupon redemption multi-country rollout country-specific customization standard business processes process standardization multi-country solution acquiring new customers retention strategies competitive advantage customer expectations customers customer predictions loyal customers outmaneuver the competition learning from existing customers customer-centric business model acquire new customers analytical tools ateji px parallel computing multi-core systems multi-core processors parallel computer architectures parallel programming flynn's taxonomy online mortgage mortgage lifecycle borrowers visual analytics analytics services operational analytics connect/disconnect advance metering infrastructure outage communications business-it alignment transformational it strategic it return on it investment telecom nep network equipment providers reduce back-end costs consumers multichannel selling front-end flexibility replenishment human resources (hr) payroll (f&a) localization and customization store operations merchandising interactivity iphone enterprise resource planning field sales logistics management scm smart phones mobility coe consumer apps enterprise mobile apps disruptive business models distributor apps retailer apps mobility center of excellence smartdevices role based apps patient-centered medical home healthcare industry trends healthcare delivery smart meter smart meter data stream computing information lifecycle management information lifecycle data usability map reduce mobile internet estee lauder
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