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The digital economy is dramatically changing how consumers shop and interact with businesses. They expect a fast, convenient and highly secure digital experience. With the average company lifespan decreasing rapidly, merchants have to operate as a true digital enterprise to stay competitive and to stay in business. Payment and fraud management is no longer a back-office utility. It is a prime differentiator, critical to achieving competitive advantage, improving customer experience and reducing risk. Digital transformation is not simply a market buzz word. It is real. And those who don’t embrace it are in a position to lose. By 2020, eCommerce sales as a percentage of retail sales are forecast to be 12.4% compared to 8.0% in 2016, according to eMarketer. And engaging customers digitally across channels remains a top digital initiative. While there are several drivers of growth in the digital economy, none are more significant than the force of mobile and cloud technologies. Innovation

Digital technology is creating change at a pace never seen before. Customers now expect speed, ease, choice and a personalised service. It makes customer experience key to success. And it sets merchants a challenge. To survive, and thrive, businesses need to stay agile in everything they do –including how they manage fraud. As the people who set the strategy that determines if an order is accepted or not, fraud teams have a pivotal role to play in improving customer experience and reducing risk. This makes fraud management more than a back-office utility. It’s a way to differentiate your business and achieve a competitive advantage. This is the question we put to three specialists from CyberSource – as well as Chris Monk from digital literacy agency Decoded. This report reflects their expert opinion, and explores: • The changing landscape for businesses. • The key challenges for fraud teams. • How to develop an agile fraud solution

The digital economy is dramatically changing how your customers buy products and services, and how they interact with your business. As customers increasingly use multiple devices (including Smartphones) to make their purchases, they expect fast, consistent and highly secure experiences – and you need to deliver. At the same time, you should remain vigilant about fraud. Effective fraud management is critical, not only for reducing risk, but also for accepting more good customer orders, improving customer engagement, controlling costs and achieving competitive advantage.

A framework for business-IT collaboration Despite often massive investment, many digital transformation efforts fail. Why? One of the biggest culprits is business and IT leaders viewing digital transformation as a pure technology play—e.g. the flawed mindset that you can just plug in a new app, solution or system and let it run. KPMG’s approach to Technology Strategy and Selection (TSS) helps companies take full advantage of emerging technologies by aligning the technology strategy with the future aspirations of the business. Learn how KPMG helps business and IT leaders join together to strategically choose, implement and leverage technology to enjoy their full benefits.

Digitalization has spurred new opportunities for how business gets done. With the emergence of big data and mobility, enterprises see the promise of making employees more productive and keeping customers more engaged. And they recognize that efficient, prompt application development and delivery are instrumental for taking advantage of these new opportunities. In this unforgiving era of digitalization, you need to be first to market if you want to flourish.

Today, applications facilitate commerce on a global scale. They play a key role in delivering products and services to customers, a role that directly affects the success of the business. Companies that rapidly deploy, update, and manage business applications have a competitive advantage. To maintain this fast pace, many organizations have adopted a hybrid cloud—a combination of private and public clouds—to become more agile. But true agility isn’t easy

Digital transformation is reshaping the business landscape faster than at any time in history. It used to take decades to disrupt a market, but natively digital companies such as Uber and Airbnb have disrupted their industries in just half a decade. Digitization is creating new winners and losers at an unprecedented rate. Organizations that adopt a digital strategy will leapfrog the competition, while those that do not will risk becoming irrelevant within five years. One important step in becoming a digital enterprise is becoming an agile organization—that is, having the ability to take advantage of market opportunities faster than the competition. This shift to being an agile business has now become a top initiative for IT and business leaders. However, business agility cannot be achieved without having an agile IT infrastructure to enable it. This is why businesses spent more than $12 billion on technology to make IT more agile in 2014, according to ZK Research.

Are automakers re-inventing the wheel with every new navigation program without creating user value? Users movement towards free mobile apps that mirror to in-dash screens may be the symptom of a negative cost-benefit perception. But the automotive industry has an opportunity to change these market dynamics. By delivering compelling experiences that leverage their core advantages, OEMs can create touchpoints for recurring revenue streams from the IVI. This white paper from ABI Research discusses the state of the connected navigation market, the challenges OEMs face, the industry paradigms blocking OEMs from creating customer value, and the advantages OEMs could leverage.

In 2009, athenahealth undertook a lean mapping study of 25 providers at twelve diverse practices. This whitepaper leverages that study and best practices to provide the following five tips for establishing a clinical workflow that takes full advantage of the EHR and boosts productivity.

It is important to understand the different business situations where traditional predictive analytics can be best applied and where anticipatory analytics may be a more appropriate approach to solve the business problem. One is not necessarily superior to the other – it’s about which methodology is best utilized in solving the specific business problem. Conventional response modeling, revenue potential modeling, wallet share analysis, traditional risk scoring and other analytic practices will always be important tools for businesses far-and-wide, but as more companies focus on analytics to inform growth, they’ll have employ the right team and identify the right partners to work with in order to successfully leverage anticipatory analytics to gain a competitive advantage. Looking forward, we anticipate anticipatory analytics playing an important role in your future. Download this white paper to learn more.

Did you know that the average health of marketers’ data is only “questionable?” Dun & Bradstreet analyzed 695M customer contact records and surveyed more than 500 B2B marketers to provide the truth about the state of B2B marketing data. Download the fourth annual report to discover how you can turn improved data quality into a competitive advantage. • The trends and pitfalls every data-driven marketer needs to know • The true state of B2B marketing data quality • Benchmarks for assessing your own data quality • Dun & Bradstreet’s research of B2B marketers’ data-fueled priorities for 2016 Do you have the data strategy you need to deliver on your marketing goals? Download the B2B Marketing Data Report to find out!

When the right approach is applied, analytics can drive more effective marketing strategies. While marketers understand the role analytics plays within the organization, most are not leveraging analytics to really drive enterprise performance. We surveyed 100+ business leaders to understand the state of analytics maturity across today’s leading organizations, uncovering common challenges teams are facing in their quest to use data and analytics to deliver a competitive advantage. What We Uncovered: - 73% of analytic professionals claim to work for an analytically-driven company - Only 42% of companies have a strategy for using analytics across the enterprise - Just 38% of companies share results of their analytic insights outside their department - 81% of organizations rely on 3rd parties for at least some portion of their analysis Download the report to learn how marketers, like yourself, view themselves in light of using analytics to drive their business.

Storing data is critical. Everyone stores data. Today, it’s all about how you use the data you’re storing and if you’re storing the right data. The right mix of data and the ability to analyze it against all data types is driving markets worldwide in what is known as digital transformation. Digital transformation requires storing, accessing, and analyzing all types of data as fast and efficiently as possible. The end goal is to derive insights and gain a competitive advantage by using those insights to move faster and deliver smarter products and services than your competition.

By 2017, 83% of all online advertising will be purchased programmatically, according to eMarketer. Don’t left behind. Download this informative eBook to learn why you should be investing in programmatic right now. Whether you're a beginner with a basic curiosity, or you have already executed a programmatic ad buy but you want to learn more, you'll discover exactly what programmatic is, why you need it, and how it works. Ultimately, you'll discover why Programmatic Matters. You’ll learn: • The key players in the programmatic ecosystem and how to work with them to execute a successful campaign • Why data is the key ingredient of programmatic • How to leverage targeting to your advantage

Rich, real-time location intelligence enables third-party logistics (3PL) companies to deliver pinpoint accuracy and offer superior service, which ultimately means higher volumes, better timelines and more competitive budgets. This ebook looks at seven specific ways in which location data is being used by 3PL companies to enable more accurate fleet routing, precise tracking of vehicles and the ability to meet increasingly demanding customer expectations. As the world’s leading location platform in 2018 (Source: Ovum and Counterpoint Research annual indexes), HERE can help 3PL companies develop key competitive advantages.

Rich, real-time location intelligence is shaping the future of the third-party logistics (3PL) industry, powering some of the most innovative new technologies behind the smartest, most efficient and environmentally sustainable 3PLs in the industry. Rapid growth in the industry over the next five years will see competition driving further technology and location intelligence innovation. This eBook predicts five ways in which this will result in smarter work patterns and new business-critical technologies. As the world’s leading location platform in 2018 (Source: Ovum and Counterpoint Research annual indexes), HERE can help 3PL companies develop key competitive advantages.

This paper discusses two approaches for efficient WLAN design. Learn more about the advantages and disadvantages of these two approaches. Both let you integrate 802.11ac into your WLAN and both can help lay the foundation for future, high-speed technologies.

Digital transformation is top of mind for CIOs and business leaders for clear and practical reasons. It offers an opportunity to create new revenue streams and meet changing customer demands, as well as a way to address the rise of digital insurgents trying to hijack core markets. What’s needed is a common resource that both IT and business managers intrinsically value, one that can guide decisions about new business initiatives and related technology investments. That rallying point is enterprise data. Because incumbents possess richer reserves of business information, they wield a competitive advantage that even the most disruptive insurgents can’t claim. The key is for established companies to unlock the full potential of this important resource to fuel business transformation and help to maintain their leadership positions in volatile and quickly evolving markets.

In this book, we are going to look at the key trends driving the modernization of data infrastructure. We’ll see how organizations are adapting and flourishing in a data-driven world. For some time, headlines have been around the internet of things (IoT), big data and data analytics. While these developments are important, the reality is that you cannot take full advantage of them without modernization. We’re going to look at these trends and priorities in detail, then look at the three key drivers of modernization: governance, mobilization and analytics. We’ll also consider the technologies that make up modern data infrastructure including artificial intelligence (AI), flash storage, converged and hyperconverged platforms and software-defined infrastructures. By making sense of data, we make sense of the world. With more data than ever before, we have the tools to turn all that information into intelligent innovation and change the way the world works.

Businesses worldwide are being pushed to enhance customer service while streamlining costs and processes. This means looking to solution providers to help reduce the operating costs of vehicle fleets. Discover how HERE Technologies is using location services to boost efficiency, safety, and customer satisfaction. This e-book is for everyone who is developing innovative fleet solutions?that overcome management challenges and help customers gain a competitive advantage

Cloud computing is rapidly changing enterprise IT with applications like Salesforce and Office 365, which are improving productivity, reducing costs, and simplifying management. Now, organizations are discovering that those same advantages can be achieved by migrating security to the cloud. In fact, in its 2016 Magic Quadrant report on Secure Web Gateways, Gartner reported, “Cloud services have experienced a 35% five-year compound annual growth rate, while on-premises appliances have only grown by 6% during the same period.” Organizations understand that protecting users with a consistent and enforceable policy requires much more than simple URL or web filtering. Thousands of companies have already switched their IT security from appliances to experience the benefits of the Zscaler™ Security Cloud. Download this whitepaper today to find out why.

The increase in mobile devices and cloud applications has changed everything, from where we work, to how we communicate, collaborate, and store information. A new approach to security is needed. The cloud is no longer a trend or a movement. It’s now so integrated into IT and infrastructures that, for many companies, it’s simply how business is done. The availability of mobile devices and cloud services has redefined how and where people work. Applications and servers are moving to the cloud faster than ever to take advantage of cost savings, scalability, and accessibility. The age of perimeter-only security is over. Find out more today about how Cisco can help.

The cloud — at one point it was a revolution in the workplace. Now it is simply accepted as an efficient way to get business done. Most of today’s IT security was built to protect a well-defined network infrastructure, but that is yesterday’s architecture. When users and assets move outside the network perimeter where the traditional security stack can no longer protect them, your enterprise is exposed to an entirely new set of risks. And with more apps and sensitive data living in the cloud or on mobile devices, gaps emerge that leave organizations susceptible to attacks. Read this flipbook to see how you can take your security to new heights. We'll explain the challenges driving the shift in the market and how you can take advantage of these changes and improve security for your organization.

In this paper the case for Hyper-Converged Appliances, and in particular the Dell EMC VxRail Appliance, is made from both cost and measurable effort perspectives. Strict reliance on measurables was used in lieu of anecdotal observations or customer quoted benefits in order to provide realistic and repeatable analysis.

This informative white paper highlights analytics tools, placing utmost importance on correctly enabling embedded analytics for competitive advantage.