Just a place to write
Some days ago I was writing about the challenges of the traditional banks. This morning I was creating an e-mail on Gmail while I was connected from UK and this message came to the front-end of the screen: Google already arrived to the customer “as a Bank”, no as an … Read more
This way to perform financial analysis started to be done by DuPont in 1920, and it gained a lot of recognition and acceptance. Profitability (measured by profit margin) = Net profit/Sales Operating efficiency (measured by asset turnover) = Sales/Assets Financial leverage (measured by equity multiplier) = Assets/Equity The calculation sequence is as follows: ROE = … Read more
Corporate life is full of management styles: leadership, authoritative, micro-management….I’m able to differentiate other type which I call “defensiveship”. I do not know if this concept exist or if it has other name (probably “defensive behavior” is more correct), anyway! Defensiveship can appear by different reasons: in organizations where middle layers of management are more … Read more
An innumerate is a person unfamiliar with mathematical concepts and methods; unable to use mathematics; not numerate. For instance, the advertisement “The day without 21% VAT!!”, in reality the product price does not decrease 21%, it just decrease 17,36%. In the advertisement it is always shown the 21% making you to believe that the discount … Read more
Wardley maps continue increasing popularity, now IBM talks about it: “Governments should adopt the Wardley Map approach to help shape their migration to Government as a Platform.” http://insights-on-business.com/government/five-steps-to-happier-citizens/
I work with SAP HCM and I am always looking for the direction this solution is taking. I found this article that explains very well the situation of the product and the road-map. For me and my customer, the summary is: My customer can preserve SAP HCM till 2025, they are legally covered. SAP is … Read more
Traditional banks have so many challenges with their conversion to the digital world. Same thing is happening with the newspapers and other industries. With the banks the bottom-line is that they come from a very regulated market with big barriers for the penetration of new competitors. They have an ecosystem who has been changing so … Read more
I have already worked with different customer frameworks, and the companies I worked, they also have their own.Everybody has one, and they all are more or less aligned with the standards: PMI, ITIL, Cobit, Togaf… Every time I start with a new customer and I dig in the rules of the game (their framework), I … Read more
I was reviewing Gartner magic quadrants related to enterprise mobility management (EMM) from 2011 to 2014. the battle is opened, the leaders are:
Learning some basic finance terms: Credit support Annex (CSA) It is is a legal document which regulates credit support for derivative transactions. It is one of the four parts that make up an ISDA Master Agreement but is not mandatory. It is possible to have an ISDA agreement without a CSA but normally not a … Read more