bank of america student platinum plus visa credit card rewards ann taylor credit card bill pay online how does cashback on credit card work rcbc credit cards application online rbc cash back visa calculator how to get my walmart credit card number what credit card has the lowest fixed rate instant decision credit cards uk walmart mastercard balance chase bank credit cards for fair credit unauthorized credit card charges law net pay advance wichita ks sears credit card login page td bank credit cards for bad credit current best buy credit card offers credit card approval with bad credit australia how does a virtual credit card terminal work can you sell old credit card machines us bank secured credit card after bankruptcy what is the best credit card for airline miles 2012 pay down credit card calculator excel credit card reviews philippines online credit card services rbs how to do credit card fraud work small business credit card processing comparison pay weekly catalogues for bad credit td visa rewards cash back ge capital toys r us credit card contact online payday loans no credit check uk how to get a credit card with bad credit rating credit loans online purchase prepaid visa card online canada installment loans online uk credit card merchant agreement minimum charge fake credit card numbers with security code and expiration date real fake credit card numbers work compare credit card travel insurance australia how to apply credit card in metrobank philippines get pre approved for a credit card with bad credit hilton rewards credit card offers 12 month unsecured bad credit loan payday advance online same day dave ramsey opt out of credit card offers visa rewards debit card balance check credit card swipe machine bank of america hsbc online credit card payment login halifax credit card transfer money to current account best student credit card 2012 free mobile credit card machines credit card finder india bad credit card cards credit card uk bad credit virtual credit card generator for paypal major credit card companies hacked current airline credit card promotions nordstrom visa signature credit card review best credit card fees for merchants credit card business model diagram can visa debit cards be used for online purchases business credit card canada credit card calculator hdfc credit card payment online link can a credit card company freeze a joint account best credit card offer in malaysia 2012 rebuild credit cards consolidation loan with bad credit canada chase credit card apr rates top 10 rewards credit cards australia im 19 and i want a credit card real credit card information that works 2012 singapore credit card rewards comparison citibank lifetime free credit card best credit card rate nz virgin mastercard uk login direct payday lenders online no third party texaco chevron credit card aib visa credit card verification 0 interest credit card balance transfer offers help with credit card debt over $10000 fast online cash loans south africa hsbc security credit card credit card merchant fee rates student visa credit card australia costco credit card review transfer money from natwest credit card to current account capital one credit card canada reviews easy credit cards uk get icici credit card application status faxless payday loans instant cash advance best secured credit cards bad credit payday loans uk no credit check direct lender ncix how long does credit card verification take best no interest credit cards balance transfers southwest credit card promotion code bp gas credit card credit cards for bad credit unsecured no processing fee bank of ireland credit card rates bank of america credit card settlement policy hsbc gold credit card review my payday advance apr for cash advances credit card credit card debt consolidation reviews how to reduce credit card debt uk best rewards credit cards hbc credit card interest rate pay standard chartered credit card bill online from dbs best app for rewards cards how can i remove my credit card from ebay chevron credit card login quick online cash advance how to add funds to paypal with prepaid credit card which banks credit card is the best in india lowes visa credit card login most popular credit cards apply for a mastercard online canada 0 percent interest free credit cards 0 credit card balance transfer australia visa gold credit card wikipedia best buy credit card ipad app payday loan lender no credit check no faxing need unsecured credit card bad credit fixed rate credit card 2012 visa black credit card requirements chevron credit card toll free number cheapest credit card processing machine how to get refund on credit card purchase chase credit card without social security number best credit cards no annual fee no foreign transaction fee icici bank apply for credit cards online online application for icici credit cards hsbc credit card cash advance daily limit hdfc credit card payment online from hdfc bank debit card credit card number sample valid fake credit card information that works what is the minimum payment on a walmart credit card what s the best credit card canadian bank credit card comparison 10 best 0 credit cards orchard bank credit card payment customer service unsecured bad credit loan 6 months interest free balance transfer credit card mobile credit card app uk buy virtual credit card in indian new payday loans lenders how do i report my lost walmart credit card credit cards applications for fair credit credit card no credit check required free credit card reader for iphone online credit card application status hdfc american express prepaid credit card balance how does credit card interest work in canada business credit cards rewards air miles credit cards for bad credit hdfc credit card status disapproved online loan application for bad credit gold delta skymiles credit card deal tractor supply company credit card application best credit card offer for fair credit apply for capital one credit card hdfc credit cards helpline delhi cheapest credit card uk credit card minimum payment credit score credit card payment plan excel credit card travel insurance westpac hsbc credit card apply malaysia credit card machine for iphone 4 test credit card numbers and cvv credit card balance transfer offers australia compare best cash back credit cards best buy credit card 18 months no interest how to get a home loan with bad credit 2012 benefits of icici virtual credit card advance america hourly pay reduce credit card debt canada formula to calculate interest rate on credit card cash loans online fast how to improve credit score tesco bank credit card change of address bank of america credit card services contact us td bank credit card comparison starbucks gold card benefits changes chase visa card payment best american express reward cards payday advance direct lenders are bank of america student credit cards good guaranteed credit card approval clothes catalogues for bad credit prepaid credit cards no fees us bank secured credit card credit karma visa debit cards work in japan citibank credit card offers on samsung mobiles rbc visa credit card canada the best cashback credit card in malaysia payday loan bad credit direct lender uk unauthorized credit card charges wells fargo capital one credit card bad credit reviews instant approval credit card processing reward credit cards review uk starwood preferred credit card offer best company credit card processing hdfc bank credit card application form pdf best canadian credit cards check ;n go payday loans online and cash advances unsecured credit cards for bad credit no prepaid cards no fee credit cards for no credit mastercard credit card number of digits credit cards poor credit no deposit how do visa debit cards work can i charge a fee for accepting credit cards canada is there vat on credit card handling fees who owns virgin credit cards can i use my best buy rewards credit card anywhere credit card offers 0 apr balance transfers black credit card visa low income credit cards us credit cards rewards uk square iphone credit card reader uk mbna canada credit card online access belk credit card payment phone number prepaid credit card no foreign fees low interest on cash advances the best credit card in canada 2012 chase credit card with international chip how to find my usaa credit card pin credit card interest rates comparison in india credit card online apply pnb go mastercard business unocal 76 gas credit card costco amex credit card reviews key ring rewards cards app android instant payday loans online no fax brandsmart usa credit card customer service chase slate credit card balance transfer offers 10 best interest free credit cards good college student credit cards with no credit standard merchant credit card processing fees small online loans australia free credit cards with no credit check prepaid visa card canada where to buy easy cash loans singapore best credit card reward scheme australia student credit cards us airways barclay credit card login credit card payment plan template free equifax credit score without credit card free credit card machine public bank visa gold credit card virgin credit card contact us credit card number sample mastercard exchange rate or paypal free prepaid credit cards no fees uk visa gift cards on amazon change itunes credit card on iphone td visa rewards cards best credit cards for travel abroad credit card with no credit history yahoo visa credit card canada royal bank visa black card income requirements chase slate credit card no balance transfer fee best zero interest credit cards mbna credit card insurance benefits payday loan lender no broker cash advance online lenders only easy online payday loans direct lenders can;t pay advance america how do i get a credit card with no credit rating what is the best airline credit card deal how to pay loans faster calculator hdfc credit card help desk no hsbc student credit card ppi debit visa card protection us bank cash rewards visa credit card online visa card canada how to do a cash advance with a bank of america credit card will chase give me a credit card after bankruptcy hdfc credit cards customer care number mumbai how to buy apps from apple store without credit card how to preclose hdfc credit card loan bank of america student platinum plus visa credit card review credit card merchant services philippines umb visa card services iphone usb credit card charger credit card authorization form template word doc abilene teachers federal credit union credit cards 24 hour online cash loans best credit card balance transfer no fee no fee balance transfer credit cards 2011 credit card merchant fees malaysia capital one credit card login payment balance transfer credit card deals southwest credit card free flight cash advance payday loan centers choosing a credit card tips anz visa platinum card bpi credit cards application i need a secured credit card fast easy to get credit card with high limit prepaid credit cards canada free unsecured credit cards for very poor credit when was the first credit card company established payday loan no credit check unemployed american express gold credit card login credit card payments on android tablet paying off credit card debt python code home depot credit card services login direct online personal loan lenders malaysia credit card comparison 2012 bank of america credit card for students bank of america credit card login account open sky secured visa card application how to get a visa debit card td canada trust credit card companies with low interest rates first data wireless credit card terminal best buy credit cards accepted best credit card for business use high limit credit card with no credit sbi credit card loan repayment jw marriott credit card authorization form american express cash advance uk visa cash back credit card gas credit cards cash back pay advance loans no credit check american express black credit card limit stop credit card applications coming no credit check guaranteed approval payday loans best iphone credit card reader status of my first premier credit card walmart store credit card review bad credit loans in singapore chevron credit card fax number small business credit cards with rewards programs cancel credit card hurt your credit score how often chase increase credit limit mastercard uk contact number next payday advance legit what credit card can i apply for with bad credit diners club international credit card payment axis bank credit card interest rates best credit card rewards program 2012 visa credit card no annual fee apply for chase student credit card elan financial services secured visa credit card canada trust credit card cash loans in 10 minutes visa credit card no annual fees minimum credit card payment calculator mastercard credit card insurance credit card logos same day payday loans no fees request credit limit increase chase sapphire pnc secured business credit card ace cash advance payday loan credit card calculator payoff pc richards credit card balance payday advance loans online no faxing credit card information free software download how do i apply for credit card with no credit history guaranteed credit card approval with no credit payday loans online bad credit ok corporate credit card india bad credit card canada walmart credit card payments in store low interest credit card consolidation loan hdfc bank application form for credit card virgin atlantic credit cards uk credit score for credit card approval canada delta american express gold card review australian credit card fraud statistics home loan with bad credit in india aluma aluminium credit card security wallet credit card companies that accept bad credit what is a credit card number and security code discover student credit card approval credit one secured credit card bad credit best credit card rewards program consumer reports best cashback credit card for petrol qantas everyday rewards credit card secured credit card reviews applying for store credit cards after bankruptcy discover credit card rewards programs credit card points redemption hdfc best buy credit cards online payment best balance transfer credit card 2013 best cashback credit cards 2012 usa bank of america credit card application credit cards rewards banking and loans discover prepaid credit cards uk hsbc portable credit card machine rental us bank credit card login flexperks best rated credit cards for fair credit prepaid debit cards visa india how does interest on cash advances work international credit card fees american express apply for department store credit cards online where is your credit card number on visa credit card balance transfer fee 0 best platinum credit cards canada how long do credit card balance transfers take how to get a black card yahoo credit cards applications visa halifax credit card helpline delta skymiles credit card promotions hdfc instant credit card eligibility best store credit cards for poor credit amazon credit card approval odds no fee credit card balance transfer offers apply for a walmart credit card online walmart canada ge walmart credit card customer service citi corporate credit card online statement virgin credit cards australia login axis bank easy credit card review compare platinum credit cards india bank of america secured credit cards reviews credit card limits ireland best credit cards for purchases abroad wells fargo value city credit card credit expert login credit card balance transfer poor credit credit card frauds in india best international credit card australia get credit card with bad credit in canada american express secured credit cards usaa secured credit card bad credit no credit loans michigan compare pay as you go credit cards hdfc credit card information online requesting military pay advance list of credit card companies wiki aadvantage credit card uk credit card apply with confidence granite credit card customer services number how to pay hdfc credit card payment by cheque bank of america credit cards for no credit kotak credit cards movie offers how do company credit cards work us bank credit card application status number loans online instant decision ireland easiest credit card to get approved for with no credit 2013 i can pay my sallie mae loans aadvantage credit card login pay best buy credit card app hdfc credit card helpline no top credit cards for rewards 2012 westpac ignite credit card travel insurance getting a credit card after bankruptcy free credit cards online shopping apply for credit card with 650 credit score best prepaid credit cards for international use pay natwest credit cards online nab visa credit card travel insurance free prepaid credit card walmart best credit card with no annual fee for bad credit best free credit cards for miles cancel hbc credit card online all types of credit cards orchard bank apply for credit card business platinum credit card hdfc credit card with no annual fee and cash back online payday loans uk hong leong hello kitty supplementary credit card shell gas credit cards canada wells fargo secured credit card limit increase where to pay barclays credit card bill in dubai reloadable prepaid credit cards walgreens td bank secured credit card usa td canada trust visa debit limit can i get a business loan with bad credit uk which credit card is easiest to get approved for best zero interest credit cards balance transfer my first credit card uk apply credit card bank islam halifax credit card application status bp gas credit cards instant approval usaa credit cards for bad credit credit card protection for online purchases chase lowering credit card limits go mastercard login 0 credit card balance transfer offers government programs to help with credit card debt credit card application process malaysia how to settle credit card debt on my own american express no annual fee credit cards credit card reviews uk apple credit card swipe square orchard bank secured credit cards application 0 interest free credit cards for 12 months business credit cards for new business poor credit natwest credit card balance transfer telephone number how to commit credit card fraud easy money payday loans online what stores have customer reward cards credit card with best travel rewards hdfc credit card limit form how do you sign up for an apple id without a credit card apply for a credit card canada best payday lenders uk how much do credit card companies lose to fraud walmart credit cards bill pay chase united credit card bonus
Tags >> commentary

Process in the Kitchen - Part I

Posted by: Louis J. Taborda

Tagged in: commentary

CookingThere are a couple of thoughts related to the cooking theme that have visited me lately .... a result of having to nurse an injured foot and so watching too much TV perhaps?

Anyway, has the efficiency of TV chefs ever amazed you and got you thinking about process efficiency and improvement? There is no doubt that the presenters manage to prepare any recipe in a flash and get a lot done in the kitchen in their allotted time .... certainly more than any home-cook could expect to achieve.

On closer inspection however, there are a few, somewhat obvious tricks that the TV shows use and I'm not just referring to the classic line: "Here's one I prepared earlier!" No, I found two main things that contributed to their speed and efficiency in whipping up lavish dishes in a few minutes:
1. All the ingredients were readily at hand
2. All bowls and utensils were out and ready to whip, chop, blend, dice ..... whatever was needed!

Even where there were no edits and the show was presented (pretty much) in real-time, it is the fact that everything is just there, right at their finger tips, that allows for massive productivity.
So the lesson I take away from this is that some activities/ processes are slow not because of anything intrinsically to do with the task itself. It is slow because of the logistics that needs to support the performance of the task. This will be nothing new to those familiar with managing or coordinating manufacturing processes where the supply chain can naturally become a key, limiting aspect of production .... but those of us who are knowledge workers often forget resource and other dependencies need to be managed before a particular activity can be performed efficiently.

Process definition that does not take into account the supporting tasks (take out the ingredients, assemble and plug in the blender, etc.) will not be fully representative of what has to be done ..... and therefore may miss opportunities for improvement. Having spent a large part of the weekend looking for a presentation that I had done a few years ago, I can attest to the time wasted in simply gathering the elements needed to do/make/cook-up something new.

 


Teaching IT Savvy!

Posted by: Louis J. Taborda

Tagged in: commentary

In their book entitled "IT Savvy" (see all new experimental Amazon sidebar below) Peter Weill and Jeanne Ross have done something that does us all a favour. The subtitle "What Top Executives Must Know to Go From Pain to Gain," is brilliant positioning for which we should all be grateful.

Most experienced practitioners know that the problems enterprises have in delivering new business capabilities cannot ALL come from IT's lousy project execution. Some part of the blame for the low rate of project success must come from the ever urgent demands of the customer, who in the name of "business imperative" wreak havoc with any attempt to create a coherent enterprise architecture.

It should come as no surprise then that the authors penned an earlier book entitled "Enterprise Architecture As Strategy: Creating a Foundation for Business Execution" - which oddly does NOT get referenced in the "IT Savvy" book. Could it be that they do not want to show where they are taking the executives? Certainly recrafting enterprise architecture as an "Operating Model" and aiming to establish a "Digitized Platform" for the business attempts to soften IT jargon.

Maybe using more business acceptable terminology is a lesson we can all learn. In the meantime, all power to any attempt at educating executives on how to make their IT more of a strategic asset.



Massively Collaborative Coherence

Posted by: Louis J. Taborda

Tagged in: commentary

Wisdom of CrowdsThe annual New York Time's feature covering "The Year in Ideas" an interesting read and highly recommended.

But there was an entry on the success of Massively Collaborative Mathematics that particularly impressed me ... and is relevant to the wider goals of this site. This entry describes how, as an experiment in collaboration, a mathematician challenged the readers of his blog to tackle an intractable mathematical problem .... which they amazingly went on to solve!!!!

Now, that is food for thought. If we can solve something like a mathematical problem maybe this whole "wisdom of the crowd" is not so far fetched. Maybe in future the expression "group-think" will start to lose it negative connotations?

Thinking how one might use this technique to solve enterprise management issues I came up with the following:

  • First there has to be the availability of the individual "brains". The mathematician concerned (Timothy Gower, a Cambridge mathematician and Fields medalist) had a very select following on his blog and so had the necessary "processing-units" available.
  • Second, not all problems can be expected to be suited to massively collaborative techniques. Gower's thesis was that mathematical problem-solving was largely a process of elimination and so many brains could reduce the possible outcomes until the final solution was reached. Much like computer architectures, not all types of computations are suited to parallel processing so we have to have a suitable problem.
  • Next, and most importantly, you have to have some coordinating body to keep track of the parallel results from all the different processes and to essentially direct/initiate the next set of processes. This of course sounds a lot like "central control" which some people might think is an anethama to collaborative techniques. But I see no contradiction here, and think this is a great example of the facilitative management that is essential to get the coherence needed in all the massive-parallelism that is taking place. So the challenge is to have just enough control to ensure the collaboration is coordinated and directed to the problem at hand.

This is not far off all the experimentation some businesses are doing with Social Media - both internally and through better engagement with their customer-base. Other examples of successful collaboration of indepenent groups is of course all those open-source initiatives that are around.

So presuming we can find the necessary processing-units through a site like this, and we can achieve the facilitative management approach working, the question that remains is: What activites geared to Enterprise Coherence could be suseptible to this approach?

An interesting challenge to contemplate.


Different Stars

Posted by: Louis J. Taborda

Tagged in: commentary

Intel CommercialI don't wish to plug a multinational .... especially not for free. But every now and then the "Big Boys" do something that is really quite impressive.

So I know this shows me to be a geek at heart, but the new Intel TV ad is very clever and says something about innovation and the respect it deserves. Yet our society tends to find it easier to venerate those "beautiful people" in sports, drama, music, etc. with very little recognition for the less public, intellectual pursuits. I guess the ad says something about these other less glamorous endeavours which, in many ways, are more valuable to society.

I first saw the new Intel TV ad while watching the Australian Idol final ..... making the tag line "our rock stars aren't like your rock stars" even more apt. If you have not seen it already, it’s worth taking a look at the ad on YouTube.


New Media, Old Conflicts & Some Hope

Posted by: Louis J. Taborda

Tagged in: commentary

coffee breakThere is something of the Web 2.0 enabled "new media" revolution in the underlying philosophy of the Alinement Network. After all, merely to attempt to create an online magazine site indicates that (I at least think) there is a gap left by the mainstream business, management and technology publications.
The nature of that gap comes down to who is in control of the distribution channels. In newspapers and magazines the business model is to attract advertisers who pay for the privelege of getting their message in front of their key market. So the model requires publishers to do something along these lines:
+ Find a niche market that is not already serviced
+ Gather some information/ content relevant to them
+ Create a product that is appealing
+ Develop a distribution channel
+ Get vendors and consultants to pay for advertising    space (sometime disguised as content)
While I have no problem with the model above or the profit motive that is at its heart, I can see that there are some unpleasant and most likely unintended consequences of the model.
Firstly, it is about dividing up the market, categorizing readers into "types" and then feeding them information (probably just content actually - see the distinction) only relevant to that type. The result of these targetted publications is that they create siloed-thinking at the industry level, where business and technology roles are separated; managers and specialists isolated. Which all goes to make running the "whole" that much more difficult to keep together.
Secondly, the content is written by third-parties who at best had some past experiences in the industry they are writing about. Often the authors are generalists. They may be journalists or simply people who can write well, and their whole experience of the industry (or niche) they are writing about is based upon the interactions they have with the very vendors and consultants who have a barrow to push.
Finally, when the viability of the model is based upon the advertising revenue it is simply impossible to "tell it like it is" even if the writers wanted to do so. The publishers and/or editors are too scared to rock the financial boat because they realize their advertisers will not appreciate having their ads juxtaposed by unfriendly articles discussing implementation problems.
The result of the above three points (and there may be more you can think off) is that we get an extremely narrow and stilted viewpoint from our industry press. There are taboo topics, there are "holy-cows" that are exempt from any critisism and to compensate there are is an abundance of industry jargon and buzz-words that have more to do with marketing hype than any real advances in management thinking. Sometimes the profit motive can have a corrupting effect on things.
Having said all that I would love to get some return from the effort it has taken, and will continue to take, to establish the Alinement Network. Advertising is of course one of the first things that comes to mind as a revenue stream and so there is an ethical trap that is very easy to fall into. At this stage I am hopeful that a balance can be struck and in the end it is a tension between editorial integrity and business outcomes.
The web presents online publications with a few opportunities to tackle this ethical challenge. In summary, and worthy of more discussion (with you the reader) I can see the following opportunities to escape the trap that the profit motive sets for all publishers:

+ The web is a cheap way of publishing so without the need for a lot of infrastructure
    the costs can be contained
+ This is particularly true when one utilizes the Web 2.0's User Provided Content model
    making the wage bill shrink down to just the core editorial staff
+ User content also means that there is less of an ability to muzzle the press with the
  "real story" likely to emerge even if the publisher would prefer it not to
+ Then there are web-ads which are conveniently dumb on the actual content of the
   article and only triggered by keywords - whether or not they receive positive treatment.

So there is some hope of a new form of media that comes with the Web 2.0 model which does not destroy financial incentive but rather adapts it so that the business model is targetting the readers (users) rather than the
It is an important power-shift which make possible new business models, creates new opportunities and calls for different skillsets - maybe making knowledge and experience a valuable commodity once again.
It would be good to hear your thoughts on this subject .....