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cognizant technology solutions cognizant business consulting analytics future of work big data social media cloud digital transformation internet of things smac stack iot customer experience digital code halo digital business mobile automation technology banking & financial services code halos retail mobility cio data ceo key digital insights healthcare insurance quality assurance tier 3 manufacturing life sciences & pharma innovation cognizant research center cognizanti journal crm smac cloud computing saas life sciences mdm advanced analytics cognizant center for the future of work cognizant digital banking insurance industry predictive analytics software as a service artificial intelligence digital economy program management master data management risk management qa consumer goods robotic process automation iaas cbc tier 1 retail & consumer goods pharmaceuticals media & entertainment digital technologies business intelligence banking gamification it infrastructure management 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experience digital strategy application portfolio rationalization it systems intelligent automation retailing core banking system soa near field communication process automation pricing connected car crm systems mobile learning code halo (tm) thinking analytics as a service life sciences industry fraud detection fda enterprise content management underwriting loan origination system big data analytics rwd roi plm travel & hospitality digital channels insurance carriers acos cognizant banking & financial services media and entertainment companies social analytics pharmaceutical smart grid smart meters tablets workers' compensation tier 2 p2p life sciences & pharmaceuticals retail banks hadoop wechat cognizant value discovery assessment social networking cvda field services management mobile technologies otc derivatives basel information management business process outsourcing pharmaceuticals companies digital change platform as a service xaas reverse logistics process digitization 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iso structured data liquidity coverage ratio sensors product lifecycle management esb data security test data management cognizant analytics business process modeling retail industry customer solutions practice travel and hospitality basel committee on banking supervision advanced solutions cross-docking scrum master consumer financial protection bureau risk appetite content monetization consumer trust bps salesforce.com managed services digital maturity responsive web design microservices sharepoint claims management tokenization cybercrime connected products customer lifetime value mobile channels straight through processing stp ipa intelligent process automation automated testing twitter facebook supply chain visibility bpmn financial crisis yammer sharing economy core banking bi government sponsored enterprises gse regulatory compliance whatsapp application portfolio mapreduce bfs sprints code quality data governance futureof ar virtual reality knowledge management claims 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enterprise medicare part d tammy erickson associates cognizant technology solutions. hedge fund governance model volcker rule governance it infrastructure consumerization of it flexible service delivery model marcello burgio as a service ryan marquiss healthcare costs healthcare makeover m-health insurance companies cognizant cloud360 risk management plan ema eu kaizen cva enterprise transformation strategy flexcube systems integrators connected cars pay as you drive payd customer segmentation requirements definition future of healthcare healthcare ecosystem dti pbm smart appliances selenium aifmd leading indicators lagging indicators game dynamics digital content consumption progressive insurance insurance carrier ssc pharmaceutical industry clustering enterprise mobility strategy operational efficiency harp hamp freddie mac icd-10 testing cloud services virtual collaboration pharmaceuticals supply chain business process testing globalization patient safety scrums software development 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programs skus warehouse management kiva fulfillment sales fulfillment transportation management sku count connected vehicles fulfillment centers automated guided vehicles cognizant's manufacturing & logistics agvs cognizant digital works hub-and-spoke distribution distributed order management e-tailing customer autonomy merchandise sourcing insurance industry; crm; limra; multichannel distr mmaas iot value epod iot solutions order accuracy shipping outbound iot reference architecture warehouse managers smart vehicles inbound materials processing picker put way ppaca intelligent transportation system health benefits exchange qualified health plans health insurance exchange hix marketplace qhps navigators broadcast industry content consumption platform economy digital leader eca distributors enterprise consolidation ec cognitive computing synergies merger and acquisition new technology cgt research; consumer goods companies survey; con cognizant's emerging business accelerator software robots digital manufacturing age manufacturing revival u.s. manufacturing manufacturing productivity consumer goods and services digital initiatives next-generation business models platform business medical management as a service entitlement management e-reader machina research gsm association device connectivity open apis netapp auto support comcast xfinity home cisco smart call home digital ecosystem sensor business intelligence layer high-technology hardware manufacturers cisco ios tablet entertainment industry fourth industrial revolution boston scientific cyber risks apple ipad ecoupons veeva irep p&c underwriting small commercial accounts property & casualty insurance multichannel distribution the sharing economy others commercial lines tdmaxim test data informatic ilm cognizant informatica tdm solution asynchronous quoting electric utility business model u.s. electric power sector utilities value chain lean manufacturing flow manufacturers synchronous manufacturing continuous 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supply chain management consumer goods value chain business process services next-generation service management web self-service. energy & utilites itsm data elements semantic analytics case studies enterprise architecture finance operations social initiatives social computing psd framework cme industries newspaper value chain ebook value chain digital platform cme industry the production search delivery framework communications media and entertainment industry the mit center for digital business loose coupling mobile adoption mobile-first index json parser gateway services mobile mim ui template service response object telematics-enabled vehicles healthcare model transportation ecosystem auto industry insurance apps healthcare reform; md; medical device; hcp; health pharmacovigilance; pv organizations; pharmacovigil submission intake; commercial underwriting; middle social; mobile; analytics; cloud computing; elasti value at risk; var; revaluation method; historical mobile-first 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regulatory readiness swiss financial market infrastructure act dsm post-trade infrastructure post-trade function financial innovations rajeshwer chigullapalli financial market landscape akhil tandulwadikar sudhir gupta mitt romney global capital markets ppm it-bps ftse identification of medical products alternative investment fund managers directive bain capital private equity private placement memorandum form pf kkr corporate learning learning content strategies salesgym m-learning initiatives m-learning future of learning mobile shopping shopping behavior mobile commerce channel strategies retailer strategies mobility investments mobile shopping behavior mobile strategies average order value mobile commerce trends smartphone-based shopping tablet-based shopping retail mobility holiday shopping season agile planning; multi-project; multi-team; scrum a lane centering european organization for research and treatment o iihs clinical trials directive tesla xevmpd ctd european commission identification of medicinal products. eudract rmp collaborative forecasting and planning vr marketing campaigns andon just-in-time inventory virtual displays 5s poka-yoke value stream mapping learning technologies commonality and variability analysis localization application bootstrapping variation points software reuse. market basket analysis; mba; retailers; retail sto systems integrator; si; systems integration; core enterprise mdm mdm center of excellence business transformation programs master data management center of excellence multidomain master data management enterprise master data management mdm coe multidomain mdm soa technology migration large-scale migration program web services migration programs large-scale technology migration epoc trenterprise processes agile project; scrum team; product backlog priorit capital markets firms overhauling rdm reference data management rdm as a service rdm operation otc market reforms virtual reality training rdm rdm capabilities 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communication technology demand-driven supply chain supply chain risk management demand analysis silverlight client-side conditionals adobe cq tms tagging tools server-side conditionals javascripts tag management systems adobe sitecatalyst standard naming convention imp clinical trial conduct costs eortc 2001/20/ec extended eudravigilance medicinal product dictiona eu 2020 global remittance business pay how you drive v2i v2v mechatronics phyd ecall vehicle-to-vehicle communication automotive electronics enterprise carbon consumption monitoring ict ecometer hvac heating ventilation and air conditioning green sigma coalition energy management leakage utility costs utility consumption rights management system managing digital content patient adherence management health laei framework social media command centers image recognition analytics cognizant technology reports cognizant social business outcome oriented scenario testing digital textbooks online learning end-to-end testing sit 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management api strategy digital open apis candidate assessment software companies claims transformation liberty mutual youtube social media platform nationwide allstate agency for healthcare research and quality healthcare information technology ahrq manufacturing; mobile computing; mobile solutions; hypervisor hash lan cloupia trade execution and management golden source cisco software-defined networking virtualized compute nodes fix ip fml nicira infrastructure architecture volumetric modeling abstraction software layer maas dw/bi agile data warehousing smart equipment inventory banking services ehtereum flexible commercial models; business process servi marketing analytics; insurance marketing; p&c pers healthcare technologies world health organization idns patient care cpoe integrated delivery networks ehrs healthcare organisations the foresight report hit nhs england custom java db2 systems of intelligence tomcat opportunistic disruptions early warning systems projectvision the tipping point business model innovation gamification; gamifying; game mechanics; employee mobile automation strategy gold copy automation tools qa automation data management puppet configuration management tools mobile quality assurance jenkins pitney bowes software opendaylight project consumerization of healthcare private health insurance exchanges private exchanges social data social media measurement social metrics reference architecture big data technology big data platform software quality big data solution microsoft sql server microsoft exchange websphere quality intelligence business-critical applications weblogic hbase index z/os ksc5601 ebcdic locking joins parallel processing nonstop guardian drda hp sql/mp risk reporting kanji ibm db2 character set extended binary coded decimal interchange code iso 8859/1 iso 8859/9 web 3.0 web 4.0 agents it delivery excellence cmmi liquidity analysis and review on demand statestreet cross-selling dsibs data aggregation asset servicing 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culturecode sipoc suppliers input process output consumers customer conversion uml automated claims manual claims in-product marketing framework triage bpm technology insurance claims management workload management solution human intervention business rules management axa ipos disruptive shift boundaryless trades mifir cryptosecurities overstock virtual infrastructure platform enterprise-wide data warehouse automated data flow adf indusind bank wolters kluwer financial services rbi cdr edw ramco systems dhanlaxmi bank xbml managing it costs unified modeling language abc it organization extended business modeling language it cost management activity-based costing computer economics hortonworks emc mpp banking licenses in india consulting for indian banks reserve bank of india licensing guidelines financial inclusion new banks in india unbanked/underbanked population in india service providers for indian banks rbi guidelines rural banking in india cognizant 20-20 reports mobile phone triangulation software value chain software supply chain it value chain outcome-focused it delivery pattern recognition culture code r3cev tessellation teradata massive parallel processing radio frequency identification ais minimum bounding rectangles mapr redundant array of inexpensive disks geospatial analysis mbrs geodetic buffering functions distributed file system idc google mapreduce cloudera automatic identification systems replication factor century link sap grc 10 fcf gmp default probability approach clinical trial performance cognizant life sciences draft guidance on risk-based monitoring risk-based clinical trial monitoring optimal estimator risk-based monitoring strategies food and drug administration banking channels mobile banking transactions mobile banking security digital wallet retail banking segments tablet computing banking consumer segments mobile banking devices mobile banking adoption medical devices excise tax medical device makers medical devices industry default probabilities libor cg companies wwr glp uk bribery act grc good manufacturing practice cobit financial control framework enterprise risk monte carlo approva bizrights approva one risk management and compliance good laboratory practice sarbanes-oxley act nontraditional testing finacle solution irish bank aib union bank of california tibor banking systems market survey johnson & johnson fast follower my starbucks idea virtual idea management platform first mover w. w. grainger open innovation forbes insights financial crime capitalone pipeline drugs specialty care anything as a service primary care available to promise master production scheduling supplier network collaboration lean sap credit valuation adjustment sap apo supply network planning gatp muda first time right mps supply chain planning advanced planner & optimizer global availability to planning sap erp atp lean principles snc lean management mobile ecosystem insurance industry mobility application management apr as-is analysis multidimensional analysis offshorability application disposition evaluation consumer experience member experience competitive differentiation business-it strategies capability-led it software configurable items watefall models software delivery lifecycle agile delivery model scis global service delivery software service providers decision support automation insurance products post binding services loss ratio casualty it talent the future of work brokers premiums incurred losses risk consulting world economic forum underwriter assistants gamification; insurers; customer experience; axa u contingent workforce holistic governance strategic alignment corporate governance manufacturing execution system; mes; agile solutio cadient ccbm central clearing counterparty exposure at default lgs mark to model loss given default default time approach esma international financial reporting standards mark to matrix probability of default wrong way risk current exposure methodology ead credit risk mitigation pd debt recovery processes retail debt recovery collections and recovery solution snp healthcare cio stand-up meetings cognizant healthcare practice test-driven development tdd melbourne mercer global pension index pension reforms new pension system employees provident fund swalamban yojana national savings certificate pfrda epf project oasis mark to market ifrs 401(k) plans public provident fund european securities and markets authority class codes test management blood analyzers picture manipulation inspector data validation; qa; quality assurance; quality te financial advisory firms; social networking. socio accountable care organizaitons engineering manufacturing solutions moores law cognizants center for the future of work pcs platform conversion score legacy conversion implsnts kaiser permanente perfect order index order execution adaptive supply chain poi ivd devices schedule performance index zero incident products cost performance index cpi specialty pharmaceuticals cost of quality qpi fieldbit predictive analytics; predictive models; fraud det net written premiums hazard groups excess loss factor excess layers combined ratio ncci group purchasing organizations granular pricing primary layer elf national council on compensation insurance orbita rolling stock gotcha smarter railroad ptc international union of railways rail freight on track avsp hyperledger communications as a service monitoring as a service office 365 hashed average selling price caas recurring revenue subscription business models smb google file system finance organization eai hub and spoke mobile medical apps gpos nonce enterprise application integration point-to-point logistics ii assetwatch positive train control assetview rail systems signalling equipment uic rail companies thalesman intelligent infrastructure meaningful use instrumented devices vendor-managed inventory inventory planning edge analytics smart components fluid core externalization peer-centric leadership radical adjacency services economy service-based infrastructure adaptable infrastructure deviceware screen cobol input-output section dd data dictionary scobol identification division collateral crunch ibm impact hana drugs apache uima predictive analysis library pal restful api high performance analytical appliance mhealth patient self-care just-in-time intervention metrics brand performance continuous care vbp u.s. healthcare mobile medical devices connected care value-based purchasing socialbakers document management microsoft sharepoint clinical research document and information system drug safety and epidemiology fdaaa credi ds&e risk evaluation and mitigation strategy rems food and drug administration amendments act world leading quality unified test strategy spi test design automation zero defect releases quality performance index ocm coq nakamoto reference format hp nonstop tandem systems data division data source name availability statistics and performance application performance analyzer file-entry clauses ibm z/os mainframes cobol enterprise compiler environment division jcl dsn monetization job control language semiocast enterprise social community cognizant analytics practice altimeter group specialty drug treatments cognizant academy cloud-based test environments collaborative processing test environments on-demand provisioning application quality global trade supply chains managing global trade global trade management data-driven insight blockchain transactions business information model information infrastructure healthcare payers data challenges explicit knowledge corss-functional teams tacit knowledge retrospectives agile processes agile/scrum scrum masters scrum of scrum daikibo sprint team block creation advanced solutions group agile principles automobile incentives incentive management incentive management system incentive management software reverse logistics processes reverse logistics practices reverse supply chain canadian banking industry canada's banks canadian banks canadian banking system lead time eon online content business slowdowns servers social media monitoring adaptive design adaptive clinical trial process public cloud infrastructure adaptive social media elastic compute cloud cloud hosting auto-scaling techniques ugc moderation content moderation ugc user-generated content ugc moderation solution mal-content nrf canada's big six banks marketing analytics europe economy european businesses in-branch services assisted self-service social shopping customer advocates reorder point bank branches buffer stock safety stock management service level stock-out digital orchestration stockout branch transformation forecast error digital banking services safety stock educational reform pricing maintenance capacity planning e-commerce platform shipment scheduling xml content assets information and publishing industry global freight forwarders xml architect content supply chain e-commerce transformation content architecture taxonomy content strategy vessel scheduling shipping liners block mining p&c carriers blockchain consortia liquidity enhancement network equipment providers; communication service applications infrastructure freight documentation ebol application portfolio analysis worldwide trade trade finance software trade finance basel regulations private cloud services software development methodologies scrum model hybrid software development approach waterfall model freight payment outcome-based education educational publishing student-centered learning security glitches security issues security threats managed services security security program security breach security flaw security challenges security attacks security failure block chaining supply chain analytics advanced analystics value ecosystems blockchain solutions consumer electronics retailing consumer electronics market consumer electronics consumer electronics retailers consumer electronics industry educational publishers blockchain technologies behavioral bi bi technology bi adoption bbi user story scrum team risk pools peer-to-peer insurance agile sprint credit information providers credit decision indices credit data processing credit decisions credit information credit decision trends security breaches corporate trade secrets security incidents gharar islamic fund portfolio investing ethically fatwa islamic fund dow jones islamic market index djimi sharia-compliant screening methods recommendation systems collaborative filtering naive bayes classifier intelligent recommendation system apache mahout apache software foundation data massaging operations logs app settings operations data test cycle times loan-to-value ratio collateral gold lenders quality at speed gold stock gold loan market nbfc cooperatives non-banking finance companies third-party integration cross-channel integration spanish websites machine translation hispanic community hispanic-dominant human translation sharia screening sukuk maysir mortgage originations housing market hafa underwater borrowers refinance charges icd-10 testing strategy international classification of diseases digital engagement model icd-10 remediation version 5010 transaction standard consumer goods technology life sciences & phamaceuticals consumer goods industry consumer goods manufacturers analytics technology uk holistic approach deregulation ofgem agent handling time riba app crash 3-d bioprinting consumerization mobile technology deployment airline loyalty programs social loyalty loyalty initiatives point-of-care devices homeowners adjustable rate biosensors harp 2.0 fanie mae hope diagnostics digital it transformation genomic medicine home affordable refinance project digital adoption drivers etl tool pan-european domestic settlement marketplace european securities market mifid cross-border transactions ucits iv cross-border trade eu single financial market initiative post-trade arena raci matrix t2s platform data profiling icd-10 readiness grouper logic drg data mapping icd-10 reimbursements icd-9 reimbursements diagnostic related groups patient classification systems shopper survey field services companies field services processes mortgage field services annual retail trade survey advisor servicing wealth management industry practice development u.s. census retail data ec2 advisor systems advisor recruitment provisioning application optimization business transformation initative business process optimization giovannini barriers target2-securities cross-border settlements finance and accounting (f&a) outsource end-to-end services in-house erp financial modules biopharma companies cloud-hosted applications automated workflow outsourcing f&a production systems virtualized f&a single user interface life sciences enterprises international payments cross-border payments shared service centers applications lifecycle management lifting fees ach automated clearing house payment factory wire fees monthly retail trade survey icd-10 migration patient reimbursement behavior-based software solutions telematics-based insurance products snapshot extract transformation load teen driver safety programs on-board diagnostics requirement analysis data transformation code modules telematics insurance products transaction data telematics data telematics pilot projects behavior-based insurance log data evogi group virtualize smart risk detection online mortgage flynn's taxonomy parallel programming parallel computer architectures multi-core processors multi-core systems parallel computing ateji px smart risk assessment real-time asset monitoring failure and loss prevention iot infrastructure expand and run analytical tools pim content analytics automated content publishing master data management system build machine intelligence cognizant's hpc labs return on it investment strategic it transformational it business-it alignment outage communications advance metering infrastructure connect/disconnect operational analytics machine learning solutions analytics services visual analytics smart insurance smart claims processing risk prevention/mitigation predictive behavior assessment real-time risk assessment borrowers standard business processes country-specific customization cognizant healthcare and life sciences multi-country rollout automated coupon redemption electronic coupons medical device development iot business models digital data function point analysis mdm applications function point estimation iot data mdm testing new york hall of science maker faire nysci make stem medical device industry mortgage lifecycle acquire new customers customer-centric business model learning from existing customers digital product images outmaneuver the competition loyal customers customer predictions scaling customers agile deployment real-time usage data customer expectations competitive advantage real-time device monitoring medical device design retention strategies acquiring new customers multi-country solution process standardization data usability information lifecycle blockchain in healthcare information lifecycle management blockchain in manufacturing private blockchains blockchain smart contracts stream computing smart meter data blockchain disintermediation smart meter healthcare delivery blockchain in music blockchain in entertainment permissioned blockchains healthcare industry trends patient-centered medical home role based apps smartdevices mobility center of excellence 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 estee lauder nlp p&c insurers; internet of things peer-to-peer exchange blockchain ehr mobile internet blockchain risks blockchain in finance merchandising store operations third-party kyc utilities localization and customization (f&a) payroll human resources (hr) replenishment front-end flexibility multichannel selling consumers reduce back-end costs customer care troubleshooting network equipment providers nep telecom customer care centers customer support solution map reduce blockchain in banking retailer apps blockchain automation blockchain trade settlement distributor apps disruptive business models blockchain distributed ledger enterprise mobile apps consumer apps mobility coe smart phones scm logistics management field sales enterprise resource planning iphone interactivity blockchain in insurance blockchain cryptography proactive care digital patient engagement mobiliity mortgage processing outsourcing vmware vsphere oracle rac on vmware protected health information (phi) oracle on vmware testing tools ehr applications qa process software bugs open source testing open source tools automated transcription open source testing tools team-based care customer recognition purchase history 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document platform documentation functional specification documents transforming manufacturing with the internet of th internet of things(iot) and iot dpas npas deferred prosecution agreements non-prosecution agreements legal process services providers fbo banking regulation compliance standard chartered plc recovery and resolution mandate guidance sr letter 12-17/ca 12-14 foreign bank organization ediscovery know your client fluidic design concepts yosemite jquery breakpoints discovery npp alternate identifiers real-time payments infrastructure dynamic energy informed infrastructure remote asset management energy demand management sustainability strategies smart buildings active demand management promotional content ecosystem promotional material review promotional material approval web experience management smart product economy smart technologies heart monitoring implants connected supply chains smart manufacturing risk-assessment framework obsolescence risk-assessment methodology 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owned u.s. department of housing & urban development deed-in-lieu federal housing administration default mortgage servicing fha ots unified servicing platform loss mitigation consumer finance protection bureau cognizant's analytics practice integrated delivery network integrated healthcare model idn analytics idn maps idn integrated healthcare bank mergers big-data validation assembly reducing outages maifi saidi historian cap-ex transmission and distribution utilities saifi failure event online monitoring systems asset maintenance t&d utilities equipment failure costs eam-gis eam smart asset management op-ex reo hud auto lending ecoa buy here pay now larger participant rule auto loans fair lending act compliance monitoring customs brokerage auto finance industry bhpn logistics services providers european wealth management uhnw european private banks independent software vendors systems of record explore mylexus isvs sor soe predictive data analysis hmv global banks execution planning clearing and settlement returns core replacement vendor selection mobile testing mobile test automation mobile applications testing testing mobile apps testing as a service taas managed testing services on-demand testing on-demand testing service equal credit reporting act credit bureau reporting markup and compensation policies pump upset conditions aegon life insurers microensure kroodle foundational high-net-worth individuals future of distribution future-ready fod metlife tied agents bancassurance online aggregators formative hni multichannel integration distribution channels banking cio perpetual license subscription model dynamic simulator furnace firebox thermal efficiency heat exchanger fouling process safety studies critical failure scenarios operability analyses process management compressor operating efficiency conversion efficiency turbine driver power thermal effectiveness reactor catalyst activity process transient behavior soft sensing process plants operating parameters 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programming interface documentum collaboration platform marklogic wikipedia service virtualization slack fb@work zopa airbnb lyft uber wirearchies mobile instant messengers digital asset holdings plm xml protocol ansys simulation tool framework product development process msc collaborative design cae process data management simulation data management sdm dassault systemes altair local business listings telecalling maintenance channel platform-listing lifecycle local search engines local navigation and search activity-locality matrix local-listings platform providers field channel partnerships context search search engine effectiveness target search ecoboost engines granular materials binding digital light processing ultrasound probes airbus a350 computer-aided design extrusion techniques am photo-polymerization laminated object manufacturing stereo lithography ge aviation prototyping selective laser sintering leap engines direct material laser sintering ami gps dms mobility solutions 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smartphone digital expectations payment security digital content supply chain emv fraud prevention card-present fraud augmented reality (ar) smart glasses smart safety management augmented and virtual reality displays wearable technologies 3-d content-enabling smart services augmented reality software just-in-time intelligence software-defined automation api ecosystem ccps pervasive security uncleared derivatives cognizant technology labs central clearing variation margin cpmi net stable funding ration central counterparties bcbs/iosco wellness data fitbits rtw kinect mruds infrastructure management integrated automation web-scale it transactional data business augmentation human productivity gains business performance improvement business-facing automation interactional data digital showrooms wearables in work environments immersive displays wearables workplace applications smart customer support s2p processes s2p slas mobile first source-to-pay category sourcing s2p kpis supply risk management supply chain financing s2p operating model s2p global shared service continuous testing infrastructure ct infrastructure ct intelligent test automation continuous testing it quality quality transformation initiative quality improvement initiative quality management initiative project management office pull-push framework web maintenance channel integrated maintenance engine just do it forklifting pid agile culture lean programs performance improvement decision tool six sigma the agile manifesto communications services providers supplier partnerships healthcare consumers s2p strategies buying channel strategy s2p risk management s2p outsourcing cognizant business consulting: cognizant manufactu life sciences organizations digital customer digitally enabled shared services centers technology transformation cloud based infrastructure infrastructure services service integration value chain drivers converged infrastructure software defined infrastructure management cio as the ceo of it led business it strategies requirements automation requirements checklist online collaboration digital projects solution evaluation virtual reality devices loyalty management phocus wright-cognizant traveler survey 2015 car rental companies sensor technology real-time inventory automated checkout omnichannel experience near field communications location-based systems vehicle telematics footwear retailers footwear industry pim systems digital healthcare social big data digital learning e-learning adaptive learning solutions customer master data management zig-bee connected home services readiness interoperability household appliances platform strategy ifttt z-wave assessment framework customer education maturity assessment temboo cognizant onehcm digital employee experience workplace of the future digital workplace workforce analytics patient authentication data serialization data serialization authentication paddock-to-plate value chain vertical integration process collaboration 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analysis cognizant enterprise information management network operating center digital natives odata service desk problem resolution semantics chatter enterprise service hub user excitement help desk total case ownership automated replenishment high-velocity supply chain lean logistics perishables perishables supply chain network collaboration end-to-end supply chain pareto-style analysis property valuations incidents application maintenance nondiscretionary loss prevention kpis loss prevention solution retail shrinkage loss prevention models loss prevention strategy accounting hub single-day financial close f&a value chain f&a governance accounting treatment and reconciliation financial close processes daily financial close reporting and analytics consolidation and ledger close legacy enterprise applications technology stack sampling claritin univariate profinda workangel enterprise social enterprise social platform internal social platforms lbos push messaging smart engagement techniques geofences pull messaging proximity-based messaging mobile-based offers location-based offers u.s. consumer banks consumer banking products time-based messaging location-aware technology asset code halos airport services airport value chain employee code halos cognizant manufacturing & logistics consulting internet of things (iot) airport operations paula deen lauren hutton box plot direct-to-consumer advertising campaigns detailing joan lunden tiger woods lag variables institute of practitioners in advertising celebrity endorsements histogram dtc victoza workforce training optivent zspace rating and pricing models user experience lab metaio real-time underwriting ar goggles american society for training and development 3-d intelligent gloves mobile quotes meta neosight visualization contextually relevant personalization mobile market markets of one "market of me's" customer mdm contextually-relevant offers consumer halo consumer insights dan's code halo crm program optimize marketing campaigns quality management system product quality process quality quality management enterprise quality management qms health information technology for economic and cli property & casualty patient data longitudinal analysis anonymized patient level data apld hitech evidence of compliance mismo gses office of the controller of the currency ifr settlement mortgage industry standards maintenance organizati typical process for complaints requiring an invest inefficient paper-based systems complaint management challenges complaint management failures canonical model data as a service asia-pacific economy digital opportunities digital business success digital consumer online commerce digital shopper human-centric design mymagic+ transformation rdbms relational database management amazon redshift digital payments strategy apple pay ondot m-pesa popmoney apple wallet point-to-point approaches peer-to-peer payments xoom cardcontrol nonbanks clearxchange ripple regulatory compliance risk management u.s. consumer finance protection bureau occ payment network disintermediation banking industry disruptors on-demand underwriting value-based care direct-to-consumer insurance care delivery models empowered healthcare consumer accountable care act digitized healthcare data healthcare digital transformation framework mobile-first experience index digital experience index digital maturity measurement methodology ridesharing policies renters insurance digital business strategy airport management passenger code halos aviation industry head-mounted devices design thinking experience design cognitive integration qa lifecycle digital assurance ridesharing full lifecycle automation digital transformation strategy robotics process analytics omnichannel support digital culture p2p economy digital skills nicholas negroponte it skills gap per-ride insurance policies peer-to-peer economy collaborative consumption workforce on demand maslow's hierarchy of needs financial divergence player personas attorney mortgage servicers foreclosure process attorney performance foreclosures servicers benchmark days housing judicial foreclosure real estate loans non-judicial foreclosures the cloud cloud roi capital markets cloud return on investment cloud adoption cloud-based solutions conveyor-based receiving and sorting automated conveyor-based receiving logistical unit barcodes mhs warehouse management systems label-free receiving asn material handling systems retail supply chain irr retirement offerings income replacement ratio post-retirement income retirement planning income replacement gamification program managers bartle model virtual economy affordable care act (act) behavioral economics hedi and cms star ratings financial service authority european banking authority sg&a reducing sg&a known unknowns enterprise architect known knowns m&i general ledger software black swan theory zero balance accounting monte carlo theory donald rumsfeld zba unknown unknowns unknown risks ford pinto marshall and isley jp morgan bank of new york security coding dynamic application security testing dast sast risk adjustment accuracy medical records automated security code scanning application vulnerability vulnerability analysis static application security testing p&l transaction accounting system gaap otc operations fsa independent price validation ipv profit and loss positions municipal bonds pre-trade price discovery consolidating bids integrating bids fx payables b2b foreign exchange foreign exchange transactions fx pricing models electronic data interchange global transaction banking fx payment input channels b2b fx payments b2b fx operating model iach payments algorithmic trading fx price aggregation multinational banking fx receivables swift mt103 edi retail margins advanced price optimization demand-based technology price elasticity mahout price-intelligence services showrooming jobtracker cost to serve price setting kvis key value items zone pricing optimization technology bids-wanted platform pre-trade price transparency order management system alternative trading systems cusip municipal bond market proactive risk management mapd business process automation ffs medicare fee-for-services costs compliance-centered platforms personal data metadata automation damification digital workflows give-to-get ratio cognizanat 20-20 insights digital content management workflow automation work-in-progress assets digital supply chain service-based process automation advanced shipment notification cross-docking strategies product control hnw segments mass affluent market mass market segments sticky products re-as-advisor frontline performance relationship management wealth management best practices automated overlay uhnw segments advisory platform rep-as-portfolio manager discretionary model 2008 financial crisis non-discretionary model tax management online channel integration digital leaders cms images and videos motion estimation incredibooth 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providers risk aversion chicago mercantile exchange entertainment companies aaa assets derivative exchange dodd frank dtmf tones voiceprints acoustic model voice biometric voice automation enterprise voice technology solutions phoneme interactive voice response wto crossover rca technical resources scarcity talent constraints skill gap pci commonality divestitures sap infrastructure shadow implementation self-service portal online self-service online self-service portal cross-channel customer support omnichannel customer support self-service healthcare organizations asian wealth management icd-10 return on investment high net worth individuals hnwi wealth management market enterprise shared services shared services leaders shared services center social business tactics insurance and retirement services insurance and retirement services producers social business retirement services mapd change management platform jamie dimon case report form inferential statistics scatter plot chi square test pca z-test exploratory data analysis repeated value analysis t-test investigative analytics outlier analysis eda f-test icd-10 coding system icd-10 implementation tukey's method condition index methodology principal component analysis rtgs real time gross settlement mx neft ra global payments clearing bacs registration authority fps chaps ssl data sniffer ws-security model secure sockets layer enterprise soa security bots sla management j2ee legacy applications sap asap defined contributions retirement plans defined benefits plans differntiation 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 financial messaging standards swift mt fedwire chips teamcenter plm product lifecycle management systems risk and compliance requirements planning new product implementation bmc bladelogic automation suite it operations automation innovise dma juniper hp database and middleware automation run-book automation hp operations orchestration self-learning automation engineering automation ipcenter automation solutions self-healing automation autonomics hpoo security emergency response team chief information security officer business continuity plans odwalla connected technologies cost overruns sert electronic trading integrated quality management system transaction reporting central counterparty hkma emir requirements knowledge-based engineering australia interest rate swaps collateral requirements g20 kbe trade repositories mortgage rules inclusive workforce inherent diversity diversity diverse workforce serial innovation acquired diversity center for talent innovation workforce diversity design stage market deregulation manufacturing execution system mes global mes liquidity aggregation mathematical model algorithm vwap market depth volume-weighted average price calculation ca server automation microsoft orchestrator microsoft opalis cortex it process automation ipsoft swiss private banks global sourcing swiss banks product realization costs global services u.s. housing market cfpb regulations qualified mortgage qm regulations qm atr/qm rules ability to repay atr regulations new mortgage regulations nonbank audit trail red associates non-compliance mcoe cognizant mobility consulting ott providers mobility policy mobile center of excellence mobility strategy reward systems gamified applications millennial workers business level agreements blas itil v3 information technology infrastructure library outcome-based approach it infrastructure services cloud-enabled enterprise transformation fabric smart meter programs cloud testing testing in the cloud pos data pos data quality pos systems point-of-sale systems cognizant business consulting's retail practice diverse pos systems key performance indicators kpi kvi dc packing pallets qualys cyber security student loan servicers cfpb regulation student loan private health insurers medical health insurance rural india central government health scheme national health package medical diagnostic private health insurance united healthcare insurance regulatory and development authority icd-10 data icd-10 analytics icd-10 compliance high-speed internet icd-10 codes exxon valdez crisis management ciso security response denial of service attack atr cloud solutions modernization cognizant cloud services process optimization transactions capital requirements regulations investor protection ucits transparency communication record keeping fund managers disclosure depository ³Ùé±ô鳦´Ç³¾³¾³Ü²Ô¾±³¦²¹³Ù¾±´Ç²Ô²õ over the top providers healthcare standardization general insurance corporation foreign banks in india reserve bank of india guidelines priority sector lending in india planograms shelf-level planogram compliance planogram components mobile shelf management technology intelligent image integration technology store-specific planograms 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services analytical workloads run better run differently the crossroads model hadoop clusters retail pricing price recommendation tools price-management software chats cis regulatory compliance smart grid innovations multidimensional customer profiles digital footprint customer profile real-time mobile analytics mobile analytics for business intelligence real-time data collection mobile web analytics mobile analytics suites mobile analytics global financial system liquidity risk market liquidity risk the dodd-frank act risk-monitoring risk-management minimizing liquidity risk multiplier effect misys open water omni-channel banking fis network vulnerabilities data security standard for improved card holder pr nordic banking market it service providers security loopholes security testing capital requirements directive iv crd iv capitalization foreign account tax compliance act firewalls finrep service delivery model sourcing models commercial model output- and outcome-based india healthcare england water industry erp solutions erp systems uk open water program eep strategy strategic it cost optimization it cost optimization reduced it spend business innovation optimize it spend cognizant's business process services practice member centricity health insurers england water market manufacturing innovations cyber-physical systems intelligent machines scottish open water market map4 omnichannel warehouse management automated order fulfillment last-mile delivery e-tailers real-time synchronization penetration testing e-commerce fulfillment third-party logics man-in-the-middle attack healthcare processes social media functionality apt reimagining work business process work sql injection hybrid service models banking processes insurance processes advanced persistent threat customer brand score service delivery it sourcing segmentation variables anti-money-laundering systems clustering validation. peer grouping clustering health customer grouping analysis vendor resiliency vendor resiliency program vendor resiliency risk vendor risk management it service management strategies output- and outcome-based delivery security hack service excellence same-day delivery e-commerce fulfillment centers offsite storage on-demand fulfillment hub-and-spoke distribution models platform maintenance "quote stuffing "cross-market surveillance complex event processing hft " "pump and dump" " commodity futures trading commission trade surveillance " "spoofing slow market arbitrage " "cross-asset surveillance electronic communication network cep workflow management tools manuscript endorsements commercial risk business underwriting assistants viber amazon ec2 integrated digital experience end-to-end digital processes cloud-based contact centers peer-to-peer lending sites semantic models intelligent data management enterprise information management taikang life insurance intelligent semantic model unstructured content future-state analysis ecm roadmap content management strategy cognizant ecm practice ecm strategy ecm pillars compliance gap analysis current-state analysis financial industry regulatory authority (finra) electronic front running ecn completeness correctness coherence uavs post-catastrophe claims risk-engineering drones personal lines insurers agricultural claims field adjusters unmanned aerial vehicles claims adjustment l1 infrastructure arbitrage experience attributes search attributes it services t1 credence attributes systematically important financial institutions customer relationship management systems quality assurance and testing multi-tenant architecture china pacific insurance tencent esurance carriers cicc consumer insights command center loop back renewals cost of acquiring customers independent software vendor cac churn isv application service level new china life insurance lbs database listings pci security standards council payment card industry data security standard network address translation server cloud provider advanced encryption standard captcha cloud infrastructure cloud-based services social and messaging apps rakuten sunshine insurance company scriptless automation testing scriptless testing traditional test automation scriptless automation clarabridge customer insight command center customer sentiment private banking private banking services cost factor high-resolution video files risk limitation fault tree analysis cost basis digital asset management system linear tape open application portfolio assessment trip planning travel planning risk-management plan risk prioritization npd customer service ris news and cognizant examine risk avoidance cross-channel 300 shoppers to help retailers prioritize investme risk evaluation medical-device industry nats los platform educational assessments outcome-based learning barcode synchronization jubilee insurance informed processes product-condition monitoring informed people informed manufacturing maturity framework informed products end-to-end supply chain visibility differentiation e-mechanism star dealerships automotive financing lead-management channels self-help web sites digital blueprint auto lenders geographic location information hnw customers mobile banking apps pb services private banking mobile apps high net worth customers wealth management services private banking regulatory compliance group insurers bpr voluntary offerings business process reengineering third-party administrators csrs voluntary market tpas customer service representatives los implementation loan origination platform los failures software engineering e-commerce businesses time to market development lifecycle minimum viable product automated software testing care management system search-driven commerce digital engagement digital customer engagement dam applications management co-location domain name service dam administration hybrid locally attached storage care management maturity dam system hosting solutions directory services netizza sql scripting microsoft sql 2008 database testing flat-file validation sql queries macro qe&a data validation process sybase iq extract transform and load supply chain operations reference ontology supply chain ontology supply chain council sconto supply chain code halo evidence-based care multi-variate testing code quality measurements wearable fitness devices evidence-based risk assessment biosignia ebra misfit shine ebu ebm insurance underwriting mortality assessment technology nike fuelband risk classes robert j. shiller grabcad lars peter hansen contrarian thinking plurality of thought difference anxiety efficient market hypothesis y v reddy glass-steagall operational data quality data sources data lineage process governance program data origination trustworthiness assurance extract transform and load processes reasonability check data transformation trustworthiness assurance care management platform smart glasses wearables ecosystem wearables market bio-monitors granular risk classification fitbit flex risk assessment gene testing medical innovations evidence-based underwriting employee health personal wellness employee wellness fitbit healthactivate wealth management platforms wealth management app asian private banks digital wealth management tools data warehouse testing performance testing patient-centric care patient adherence program triple healthcare aim coordinated care medication adherence adherence framework medication adherence program patient adherence health activate los implementation failures basel iii capital conservation buffer basel iii framework basel iii leverage ratio basel iii liquidity ratio the third basel accord basel iii countercyclical buffer sifi basel iii capital quality basel iii capital requirements banking and financial practice china life customer data hcp engagement hcp engagement platform systems of insight hcp digital interaction kik icommit2fit wellness improvement program big-data analytics for personalization gamification 3.0 behavior-change initiatives gamified experiences cognizant's global technology office packaged m&e software cognizant ime practice cognizant information media & entertainment practice software selection centre of excellence m&e software selection m&e software selection best practices commercial off-the shelf software m&e software vendors etl testing vertica healthcare consumer experience informatica evidence-based medicine medication non-adherence patient centricity u.s. private banks high-net-worth clients hnw wealth managers mobile cards contactless cards atms non-cash payments commercial off-the-shelf payment software pos payment cards software card payment processing cots payment software atm and cds hosting payment cards card-based payments behavior-based frameworks qa teams data journey manual regression mqa research trusteer mobile sdk arxon m-banking services online banking mobile applications aite group comscore dexguard ensureit cluster analysis ibm idataplex server temenos t24 ibm spss black box protected health information phi online analytical processing business process design not only sql bullwhip effect demand signals lmr process lmr transformation lmr methodologies bio-pharma marketing lmr process pillars promotional material review and approval ieee nonfunctional testing ansi tmmi foundation execution environment software test maturity assessment advisory assessment models sei agile testing preproduction deployment white-labeling international remittances fx remittance memsql disclosure approvals u.s. remittances electronic fund transfer act partner transfers cognizant business consulting wholesale banking hpcc microsoft system center product mobility business case use case triple aim framework patient-centric business productivity patient-centric network sync drive video surveillance. white box payment card industry’s data security standards statistical modeling high-performance computing cluster extract-transform-load release management data masking data fencing batch processing intelligent data discovery aftermarket service strategies marketplace lending predictive modeling p2p lending online borrowing collateral-based lending section 1073 efta standardizing disclosures swot treasury borrowing advisory committee funding bank total return receiver total return payer optimize collateral calypso collateral settlement algo swap counterparty total return swaps operational silos credit support annex social banking omnibus accounts diversification rule mmf portfolio valuation u.s. securities and exchange commission mmf reforms nav u.s.treasury education outcome providers information insight providers standardized derivative contracts central banks content platforms centrally cleared lehman information providers rehypothecation collateral demand full-time equivalent digital content ecosystems research as a service fte research services political economic social technological analysis pestle strengths weaknesses opportunities and threats ana raas international organization of securities commissio non-centrally cleared bilateral contracts central counter party international monetary fund bespoke iosco advanced visualization iosco and bcbs sponsored working group data foundation mdm poc master data management proof of concept iot concepts iot-enabled capabilities manufacturing value chain iot-based solutions business process management notation bpd machine learning business process diagram remittance hub penny-rounding system form n-mfp basis-point rounding method intraday settlements rule 2a-7 floating net asset value liquidity fees and gates sec money market reforms investment company act mmf stress-testing mmf disclosure mmf exemptions margin provisions international swaps and derivatives association initial complex derivatives nosql wgmr usbhc emerging analytics technologies medical-device companies mint digital banks simple customer-centric strategy pfm personal financial management moven check balances peoplemetrics gmc software technology mobile user interface novantas ifx/fdsm event tree analysis journey maps risk acceptance eta office of foreign assets control specially designated nationals usa patriot act enhanced due diligence fatf operational and reference data collins amendment u.s. bank holding companies ihc foreign banking organizations fbos fedboard liquidity risk framework analytics and reporting risk technology enhanced prudential standards u.s. federal reserve cross-border banking stress-testing fed-fnbfcs fta real-time alerts event processing teen safe driving telematics consulting risk transfer telematics platform user-based insurance programs (ubi) geolocus smart mobile apps geofence real-time monitoring new product development ingested content enterprise storage area network cost area lto cost avoidance media asset management hyper-personalization organic food supply chains small farms fibl industrial organics organic monitor alternative food systems value-added product market development grants 2014 farm bill organic standards usda the united states organic food market forecast & o afs organic cost share program farmers markets international federation of organic agriculture mo ifaom research institute of organic agriculture specialty crop block grant program value delivery network health insurance exchanges end-user profiles zynga scroll b2c css connected enterprise html5 webview js libraries rgraph swipe js jquery mobile iscroll mobile web applications native applications service integration portal webkit flotr2 hybrid applications target operating model standardized derivatives servez retail shrink margin pressure "pay-as-use" model tri-party model cloud-based e-invoicing bsb e-invoicing financial supply chain single european payment agreement community cloud european union eteg twist bank services billing peppol european banks federally facilitated exchange state-based health exchange hix model ews non-performing assets event-based monitoring upstream risk management collateralization performance tracking automated monitoring and mitigation money laundering pep bank secrecy act cdd watch-list filtering financial action task force risk analysis edd politically exposed persons bsa false positives money laundering control act machine-to-machine gateway social tango workforce maturity flexd gen-now boundaryless computing behavioral analytics risk-management tools smart-home services smart-life market communication service provider smart-home system smart-life services smart-home market smart life early warning system framework bank assets day-on-day monitoring pre-default identification early warning system asset covenants