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soa service oriented architecture ibm b2b telecommunications security as a service (saas) technology roi big data expert systems data visualization data mining data warehouse business analytics decision support systems business intelligence dean nelson infrastructure management data center change management ebay traceability dairy industry rfid supply chain management adoption implementation lifecycle quality of service governance enterprise service bus ibm soa reference architecture soap service wsdl web 2.0 xml networking iot pervasive computing internet internet of things business model f-secure business transformation mikko hypponen scm