hdfc credit card limit 50000 credit card processing companies apply for 0 interest credit card how to increase credit card limit santander what is a good interest rate on a credit card yahoo walmart instant approval credit card best chase credit card deal who has the best rewards credit card in canada apply credit card online lloyds tsb joint credit card account credit score walmart credit card login down axis bank credit card apply contact number capital one secured credit card 200 deposit uk canada credit card debt average should i get a secured credit card to improve my credit score view and pay icici credit card bill online secured visa credit card no credit check guaranteed approval canadian credit cards united chase credit card barclays business credit card application bank of america online cash advance good credit cards for college students yahoo hsbc credit card pay weekly catalogues for bad credit do i need credit card protection insurance chase toys r us credit card customer service phone number where do i send my jcpenney credit card payment unsecured credit card poor credit score bank of america credit card settlement policy secure credit card bad credit 0 percent credit cards purchases annual fee free credit cards in india government grants for credit card debt relief unauthorized credit card charges bank of america goodyear credit card tire rebate best reward cards usa credit card business process flow what is the best airline credit card deal what is a credit card authorization form used for entering credit card processing fees in quickbooks compare platinum credit cards india fidelity investments credit card 2 cash back online cash loans with bad credit credit card travel rewards no annual fee travel rewards credit card for bad credit how to get removed from a joint credit card hdfc credit card balance transfer charges compare platinum credit cards in india capital one credit limit increase 2013 credit card no credit check required what credit card to get as a student if i get approved for a walmart credit card can i use it the same day low interest visa credit cards canada credit card fraud bust out do prepaid credit cards work online mastercard credit card number of digits how not to pay ryanair credit card fees post office platinum card abroad discover secured business credit card android credit card reader app discover more card limited credit history virtual terminal canada credit card processing best travel rewards credit card uk incipio stowaway credit card hard shell case review best credit card for bad credit score how to find credit card account number credit cards application status best travel rewards credit card canada 2011 student credit cards application status for jcpenney credit card alaska usa credit card stolen formula to calculate interest rate on credit card macy;s application for credit card free virtual credit card banana republic visa credit card best united credit card bonus credit cards bad credit no deposit instant approval best buy rewards zone credit card review applying for store credit cards after bankruptcy credit card fraud detection using hidden markov model documentation social security credit card how to get a credit card in canada direct payday lenders online no teletrack credit card calculator payoff schedule apply for visa credit card with no credit history capital one aspire credit card net pay advance wichita ks 2011 compare best credit card processing services best jquery credit card validator easy to get credit card with high limit apply for icici virtual credit card cancel credit card hurt your credit score how do i get credit card with no credit american express no annual fee credit card india can you get student loans with bad credit portable credit card scanner no credit check credit cards instant approval ge credit card online where can you buy prepaid credit cards in canada average uk credit card debt per person hdfc credit card payment online from sbi debit card southwest airline credit card no annual fee marriott rewards credit card credit card for 650 fico score best credit cards for fair to good credit can i transfer a personal loan to a credit card lowering credit limit on credit card orchard bank credit cards for fair credit halifax clarity credit card minimum payment pay reward zone mastercard online credit card payment icici business credit card transfer offers mobile credit card machines reviews calculate minimum credit card payment citibank citibank balance transfer credit cards india free prepaid credit card numbers generator pay new york and company credit card installment loans online uk icici credit card statement online bank of america credit card for students vanquis 200 cash advance firestone credit card bad credit credit card fraud penalties in georgia pay shell credit card online santander 0 credit card abroad lic credit card application form dla advance travel pay where can i get a prepaid credit card in canada hsbc online application for credit card philippines bank of america credit card terminal fees virgin black credit card preloaded credit cards europe aqua credit card soft search instant payday loans no phone calls 0 transfer balance credit cards canada online loan application for bad credit hdfc credit card toll free number in andhra pradesh discover credit card visa or mastercard nab credit card balance transfer existing capital one secured credit card instant approval best buy credit card instant approval free fake credit card numbers that work 2012 anz credit card travel insurance nz payday loan lender no broker prepaid business credit cards cash loans online no paperwork south africa virgin credit card 0 balance transfer for existing customers credit card machines how do they work best credit card processing company uk american express prepaid credit card target natwest credit card 13 months interest free best credit card review website lost credit card bank of america axis bank instant credit card natwest international credit card services virgin credit card payment address international credit card fees usaa virtual credit cards reloadable 76 gas credit card application paypal credit card app for android how long to pay off credit card calculator uk credit card 0 balance transfer fee aqua credit card iphone app southwest best credit card offer record credit card processing fees quickbooks best payday lenders online bank of america secured credit cards reviews high limit credit card with no credit capital one bank credit card for students ebay error ebay requires credit card for account verification hsbc credit card fees uk how to stop banks from sending credit card applications cibc debit credit card canada are high credit card limits good credit cards machines for small business uk aqua credit card payment number fico score needed for lowes credit card best balance transfer credit cards for poor credit rating instant approval credit card offers largest uk credit card companies small business credit cards uk worst credit card companies list tesco credit cards online banking major participants in processing credit cards online are walmart credit cards hard to get secured credit card canada no annual fee aqua reward credit card credit card deals 0 interest credit card with no foreign currency transaction fee india credit card scanner for your cell phone best rate australian credit cards buy virtual credit card uk standard chartered credit card rewards points redemption high credit card debt mortgage dave ramsey credit card payoff calculator best rewards cards no annual fee canada credit card debt 2011 icici instant credit card american express gold credit card travel insurance applying for credit cards with no job no annual fee credit cards in india 2013 credit limit increase capital one 2011 new payday loan lender uk anz platinum card best 0 apr balance transfer credit cards qantas frequent flyer points credit card no annual fee bank of america credit card no interest for a year citibank virtual credit card login chase zero percent interest credit cards i need a credit card fast bad credit citibank credit cards online bill pay international credit card no fees prepaid credit cards online shopping credit card limits ireland mastercard credit card numbers that work online application for icici credit cards 0 transfer fee 0 interest credit card does applying for a credit card affect credit rating iphone credit card reader uk best first credit card capital one hdfc credit card customer care phone number hdfc credit card help desk pune credit card balance transfer lowest fee best cash back reward credit cards citibank types of credit cards best delta credit card promotions aqua credit card bank of scotland buy virtual credit card online fake credit card numbers with security code and expiration date hsbc credit card merchant services hello kitty credit card holder credit card travel promotion 2012 no job no credit credit cards whats an easy credit card to get with no credit credit card apply eligibility vanilla mastercard uk american express secured credit cards credit card rate jacking best secured credit cards for bad credit bank of america visa rewards card review credit cards for small business with no personal guarantee prepaid credit cards canada free virtual credit card us purchases best no fee business credit card canada mastercard uk contact number natwest black card travel insurance pdf low interest credit cards for low income earners nordstrom visa credit card benefits rbc visa credit card canada lord and taylor credit card phone credit cards with 0 on purchases abroad uk credit card providers hdfc credit card offer on irctc download credit card application form citibank citibank credit card apply now can i get a loan with bad credit score compare 0 interest free credit cards staples business credit card uk black card travel insurance policy what is the purpose of the cvv number on a credit card best credit cards offers 2011 in india 10 best credit cards with rewards how to apply credit card online in india capital one unsecured credit card with bad credit instant credit card icici against fd gift credit cards india capital one no annual fee credit card credit card cibc sallie mae pay loans online best small business credit card 2013 0 balance transfer transaction fee credit cards online unsecured loans no phone calls where do i send my us bank credit card payment pc richards credit card ge money bank bank of america credit card fees best way to use a secured credit card to build credit how to get a credit card with bad credit rating in australia best credit card canada compare hsbc credit cards singapore credit card with best travel rewards best credit cards offers in uae scene visa card application best zero interest credit card deals citibank credit card irctc offer why does the post office not accept credit cards fixed rate credit card 2012 apply american express gold credit card stop united airlines credit card offers suze orman;s credit card debt eliminator calculator how many numbers are in a credit card number visa best balance transfer credit cards 2012 canada capital one secured mastercard credit card reviews low interest rate credit cards for bad credit applying for a credit card lloyds tsb hsbc credit card cash advance daily limit visa black card requirements 2012 is using a company credit card for personal use embezzlement credit card apply with confidence best business credit cards no annual fee prepaid td visa cards compare cashback credit cards uk credit card with no annual fee and no joining fee india good department store credit cards advance america online payday loans the 13 best credit cards for 2013 best iphone credit card case best secured credit card to help rebuild credit compare credit cards with airline rewards td gold elite visa card auto club lowes credit card promotions axis bank credit card payment gateway brandsmart usa credit card customer service clark howard best travel rewards credit card rewards cards chevron credit card login canada sears credit card application online capital one credit card in canada elan financial services secured visa credit card free balance transfer business credit card credit card reviews philippines secured credit cards travel rewards best buy reward credit card sign in hsbc credit card balance transfer to current account no fee visa credit cards canada tesco credit card ppi complaints address cash advance no fee credit card louis vuitton credit card holder ebay how to get credit cards paid off how to transfer credit card balance to another card chase free credit card terminal usaa secured credit card non military old navy visa card cash advance best airline reward credit card programs starwood credit card bonus points how do i get a credit card with no credit history apply for credit card online instant approval bad credit online credit card fraud cases pay day loans canada bank of ireland credit card limits apply for credit cards with no annual fee online loan companies credit card validator how to get american express black credit card charles schwab 2 cash back credit card rbc visa cards credit card for bad credit balance transfer get credit card with no credit score discovery credit card south africa contact details 2000 bad credit loans guaranteed approval santander 123 credit card cash back paid hsbc credit card cash advance facility mba credit card ppi actual cost of accepting credit cards orange pay as you go credit card capital one credit card application form cash back credit card comparison chart orchard credit card payments best free credit cards 2012 best credit card for students in india prepaid credit cards with cashback credit cards rewards uk chase bank credit card debt consolidation prepaid credit cards visa bank of america business gas credit cards with rewards is a gas credit card a good idea credit cards for new immigrants to canada toys r us credit card application online uk best credit cards for international use gold delta skymiles credit card companion ticket 0 introductory apr business credit cards kmart sears credit card login orchard bank credit card customer service phone number how do i pay my bestbuy credit card bill online capital one small business credit card customer service hdfc bank credit card apply online free credit card machine for android how to get free credit card details 2 years after bankruptcy credit cards bank of america credit card rewards customer service real credit card numbers that work mastercard credit card insurance what is a capital one secured credit card 12 months interest free credit card balance transfers new credit cards uk sears credit card services chase credit card visa customer service phone number bad credit card debt write off fnb credit card application online unsecured credit cards for bad credit 10 000 liquid advance payday loans chase freedom credit card review lost my first premier credit card a company;s acceptance of credit cards like visa is an example of 0 transfer fee credit cards bad credit lowes ge credit card login prepaid creditcard nederland vergelijken credit card rate chart natwest business credit card online login tesco credit card lost my pin ebay credit card not on file walmart prepaid credit card balance instant online payday loan south africa secured visa credit card chase phone calls regarding lowering credit card interest rates what is a credit card cvv2 number daily mail rewards cards what is the best international credit card to use delta reserve credit card deals art van ge capital credit card hdfc credit card login india login credit card for bad credit no deposit required cash loans in 10 minutes visa student credit card prepaid how to redeem hdfc bank platinum plus credit card reward points credit card reviews uk credit card issue number visa electron credit card fraud penalties best zero percent credit cards 2012 natwest credit card protection how do business cash advance loans work costco credit card processing rate virgin credit card 0800 apply for credit card with bad credit instant approval top 10 prepaid credit cards uk mbna business credit card uk halifax credit card application status who do you call to report credit card fraud what;s a nandos black card bajaj finance standard chartered credit card status direct cash advance lenders bad credit citibank credit card settlement india online loan sharks usaa rewards credit card login instant approval credit cards uk absa credit card limit increase contact details sears credit card application status balance transfer credit card deals unsecured credit cards for bad credit no prepaid cards credit suisse london easy cash loans singapore toys r us credit card reviews visa cards numbers examples payday loans direct lenders uk bad credit credit card deal forum citibank credit card offers on mobiles best business credit card with rewards program best app to store credit cards on iphone lowest credit card rates for students handheld wireless credit card machines whats a valid credit card number standard chartered platinum credit card newegg accept international credit card request credit limit increase chase sapphire manchester united credit card signed shirt toys r us ge capital credit card quick payday loans no credit check lenders suze orman how to negotiate with credit card companies level up cards cherry credits bank of america corporate credit card customer service apply for a orchard bank secured credit card credit card protector case australia texaco chevron credit card natwest credit card customer services address cibc credit card online password how to get a car loan with bad credit and low income annual credit report request form matrix discover credit card website we accept all major credit cards sign has tesco credit card login changed american express credit card with no annual fee india national average credit card debt citibank credit cards online payment 76 gas credit card application status hdfc bank platinum credit card interest rates top credit card companies for bad credit standard chartered credit cards application status how to settle your debt with credit card companies visa 0 balance transfer no fee credit card application process malaysia best credit cards with airmiles rewards rbc visa cash back card review best mobile credit card processing android visa credit card number generator credit card verification process paypal icici bank credit card apply sears credit cards pay by phone american express secured credit card offers tesco credit card mobile app orchard bank secured credit card application status credit card calculator are cash advances online safe best credit card for international travel no annual fee getting a credit card with bad credit us bank cash rewards visa credit card hdfc credit card reward points expiry orchard bank visa credit card payment georgia law on credit card debt after death chase visa rewards card citibank credit card apply india credit card charges template letter
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 .....