Categoria: Management

Acquiring banks often face the challenge of balancing merchant satisfaction with risk management. On one hand, they aim to keep merchants happy by enabling quick payouts. On the other, they must protect themselves from financial losses if a merchant's risk profile unexpectedly shifts. Dynamic risk assessment plays a crucial role in safeguarding acquirers while supporting businesses with the liquidity they need to operate smoothly.

Here’s how Feedzai’s Dynamic Risk Assessment, available as an add-on to its Merchant Monitoring solution, helps acquirers mitigate risk while ensuring merchants maintain access to vital cash flow.

The Cash Flow Challenge for Merchants

Cash flow is essential for merchants, especially small businesses, to sustain operations. Access to funds allows merchants to replenish inventory, pay employees, settle utility bills, and maintain vendor relationships.

However, studies reveal that nearly 75% of merchants frequently experience delayed payouts. Without timely access to their earnings, many businesses face severe cash shortages, threatening their survival.

To address this issue, some acquirers are adopting same-day payouts for merchants in good standing. In markets like Australia and Brazil, payouts are even offered intra-day or on-demand. While these measures benefit merchants, they also increase financial exposure for acquirers if a merchant’s risk level is underestimated.

Current Merchant Risk Management Approaches

Acquirers typically employ several strategies to balance risk management and merchant needs. Each has its advantages and limitations:

Increased Merchant Deposit Requirements

Pros: Helps acquirers offset liability risks by requiring merchants to maintain larger reserves.

Cons: Reduces merchants' available cash flow, making it harder to cover operational expenses.

Faster Settlements for Merchants in Good Standing

Pros: Rewards merchants with a strong track record, offering quicker access to funds.

Cons: Excludes newer merchants who lack a year’s history, even if they meet other risk criteria.

Transaction Data Analysis

Pros: Provides insights into individual transaction risks.

Cons: Focuses on transaction-level data, often missing aggregated risk signals and relying on manual processes prone to human error.

To Know More, Read Full Article @ https://ai-techpark.com/smart-merchant-risk-strategies/

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Delivering an improved digital employee experience (DEX) has become a top priority for many enterprise IT leaders, as it directly influences productivity, employee morale, and other critical aspects of business success. However, many organizations still lack the necessary visibility into their IT ecosystems to fully understand how digital tools impact employee experiences and productivity. This gap often hinders efforts to effectively manage the digital workplace and provide employees with an exceptional experience.

To gain deeper insights into these challenges, Lakeside Software conducted a survey of IT leaders, exploring their perspectives on DEX and the obstacles and opportunities they face in today’s workplace. Here are the key findings:

Doing More with Less: The New Normal

In the face of economic uncertainty, 65% of IT leaders identified "doing more with less" as their primary focus. The pressure to streamline operations while leveraging technology to maintain productivity and employee satisfaction is a challenge many leaders are navigating.

A crucial step in achieving this balance is understanding which digital tools employees rely on and identifying underutilized resources. By analyzing endpoint data—such as usage patterns across devices like laptops, desktops, and handhelds—companies can pinpoint inefficiencies and reduce unnecessary expenses.

For instance, a New York-based bank analyzed endpoint data and discovered they only needed to replace a fraction of the 7,000 laptops initially slated for refresh. This data-driven decision saved approximately $9.6 million, proving that visibility into IT assets can lead to significant cost savings while preventing wasteful spending.

Enhancing the Digital Employee Experience

Improving DEX benefits both employees and organizations. A better digital experience fosters higher engagement and satisfaction, which boosts productivity and reduces turnover. This explains why 45% of IT leaders in the survey are prioritizing DEX enhancements.

This trend aligns with Gartner's prediction that by 2025, half of all IT organizations will have a dedicated DEX strategy, team, and management tools—up from just 5% in 2021. The connection between employee satisfaction and digital tools underscores the importance of investing in DEX, especially given that replacing an employee can cost about 33% of their annual salary.

Leveraging AI and predictive analytics to monitor endpoint data is one of the most effective ways to improve DEX. These tools enable IT teams to proactively identify and resolve issues before they escalate, minimizing disruptions and enhancing employee satisfaction. As noted in the survey report, high-quality endpoint data insights allow IT teams to address potential problems early, preventing costly downtime and frustration.

To Know More, Read Full Article @ https://ai-techpark.com/it-leaders-top-priorities/

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Implementing Cyber Threat Hunting in 2024

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Having spent many years immersed in IT and information security, I can confidently say it has been a rewarding journey. Over time, I’ve observed a significant shift in how organizations perceive cybersecurity. It has gained prominence and relevance, with the role of the Chief Information Security Officer (CISO) evolving positively. CISOs are no longer seen as mere “blockers” but as agents of change who actively contribute to business decisions, enhance visibility, and drive impactful organizational outcomes.

Cybersecurity today is increasingly focused on balancing risk with opportunity and innovation. It serves as an impartial source of information to help executives make informed decisions while aligning with the organization’s objectives. However, many Boards and Executive Committees still view cybersecurity as a technical issue relegated to lower levels. This perception is compounded when cybersecurity leaders rely on overly technical jargon, causing interest to wane.

Senior Leadership’s Role in Cybersecurity

Top executives can no longer evade their responsibilities regarding cybersecurity. Effective security measures are far more impactful when they have the support of leadership. To foster this alignment, cybersecurity must transition from an operational concern to a strategic priority. It requires a mindset shift, emphasizing strategy, risk management, and trust-building to navigate today’s digital challenges.

Executives must adopt a comprehensive self-assessment model to gauge their accountability in cybersecurity. Many still fail to grasp the strategic impact of cyber risks and the necessary measures to ensure resilience. By partnering with their CISOs as strategic allies, executives can strengthen their organizations’ security posture and resilience.

Strategies for Communicating Cybersecurity to Executives

Drawing from my experience as a former CIO and CISO, here are actionable tips for engaging C-level executives:

Align with Strategic Priorities

Frame cybersecurity as an enabler of organizational goals like revenue growth, operational efficiency, and market expansion. Position it as a strategic asset that offers competitive advantages rather than a cost burden.

Highlight Cyber Risk Impact

Explain the potential consequences of cyber incidents, from financial losses and operational disruptions to reputational harm and regulatory penalties. Use relatable examples to emphasize the urgency.

Use Real-Life Examples

Present case studies of competitors or similar organizations that faced security breaches. These tangible stories resonate with executives and illustrate the real-world impact of neglecting cybersecurity.

To Know More, Read Full Article @ https://ai-techpark.com/cybersecurity-for-c-level/

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In today’s digital era, cloud computing has become a cornerstone of application modernization and digital transformation. By 2025, it’s anticipated that over 85% of organizations will adopt a cloud-native approach for application development. Yes, you read that correctly!

The primary goal of this approach is to streamline development processes, enhance scalability, and boost agility. Unlike traditional methods, cloud-native development doesn’t follow rigid rules. Instead, it focuses on addressing unique business challenges and leveraging the most suitable software solutions.

Are you ready to harness the power of cloud-native development? Understanding the strategies for modern application development is key. Let’s dive deeper!

What is Cloud-Native Development?

Cloud-native development involves designing, building, and running applications using the principles of modern cloud computing. While it offers significant advantages, developers often face challenges during development and deployment.

This approach utilizes the infrastructure and services provided by cloud platforms like Google Cloud Platform and Amazon Web Services. A hallmark of cloud-native applications is their microservices-based architecture, which enables developers to access on-demand resources, unlimited computing power, and advanced application frameworks.

Top Strategies for Cloud-Native Application Development

If you’re planning to develop modern applications using cloud-native methods, consider these key strategies:

Utilize Microservices

Microservices are small, independently deployable services, each dedicated to a specific business function. This approach offers several benefits:

Efficient resource allocation tailored to each service’s needs, optimizing performance and cost.

Greater flexibility, as updates to one service don’t impact others.

Enhanced resilience, ensuring the system remains operational even if a single service fails.

Faster development and deployment cycles.

Choose the Right Tech Stack

Selecting the appropriate frameworks and languages is critical for cloud-native development. Ensure your choices align with the application’s specific requirements.

Some tools excel in microservices development, while others are ideal for real-time or data-processing applications.

Adopting the right tech stack enhances developer productivity and ensures better outcomes.

Stay updated with industry trends and evolving requirements to make informed decisions.

To Know More, Read Full Article @ https://ai-techpark.com/cloud-native-devops-strategies-simplified/

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Explainable AI Is Important for IT

Netskope offers a unique capability to deeply inspect network packets (post-decryption) and understand the interactions between users and the SaaS applications they use. This enables the application of granular policy controls to regulate specific actions, such as downloading, uploading, editing, posting, or creating content within any application. However, it’s essential to avoid imposing such restrictions on critical business applications like corporate email or OneDrive that employees rely on for their daily tasks.

Understanding Managed and Unmanaged Applications

While analyzing SaaS application traffic, Netskope identifies the unique instance ID of each application. This allows it to distinguish between personal and corporate accounts, even if they share the same URL. Netskope labels applications managed by your IT department as “Managed,” ensuring corporate accounts are securely monitored and controlled.

Why the Managed vs. Unmanaged Distinction Matters

In today’s cloud-first environment, employees use numerous applications to boost productivity. While this can improve efficiency, it also creates significant security challenges. Sensitive data becomes scattered across multiple apps, making it harder for IT teams to enforce security policies.

Managed Apps: These are officially approved and supported by IT, vetted for security, compliance, and reliability (e.g., Microsoft 365, Salesforce, Slack).

Unmanaged Apps (Shadow IT): These are apps employees use without IT approval, often posing security risks despite their good intentions.

How Netskope Addresses the Challenge

Netskope leverages the managed vs. unmanaged app classification to enhance security and control:

Visibility: Netskope provides a clear view of all cloud app usage, identifying both managed and unmanaged apps to eliminate blind spots and enhance data control.

Granular Control: Different policies can be applied to managed and unmanaged apps. For instance, managed apps might be accessible only from authorized devices, while unmanaged apps can be blocked or restricted.

Data Protection: Tailored data loss prevention (DLP) rules safeguard sensitive information, with stricter controls applied to unmanaged apps to prevent data leaks.

Threat Prevention: Netskope scans unmanaged apps for malware and other threats, protecting against potential attacks.

Compliance: By monitoring and managing unmanaged app usage, Netskope helps organizations meet regulatory requirements such as GDPR, HIPAA, and PCI DSS.

To Know More, Read Full Article @ https://ai-techpark.com/shadow-it-managed-apps/

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Traditional business intelligence (BI) tools have long struggled to keep pace with modern business demands. Despite their decades-long use in supporting data-driven decision-making, they come with limitations such as static dashboards, manual analysis, and dependence on technical experts.

The Rise of Augmented Analytics

Augmented analytics represents a groundbreaking approach that integrates artificial intelligence (AI) and machine learning (ML) to unlock deeper insights from data. By automating data preparation and uncovering hidden patterns, it generates actionable recommendations that address the shortcomings of traditional BI systems. The driving forces behind this innovation include the explosion of data volumes, advancements in AI, and heightened customer expectations for faster, smarter decision-making.

Businesses today demand more than reactive insights—they require predictive and prescriptive analytics to guide strategy and execution in real-time. Augmented analytics rises to meet these demands, reshaping the decision-making landscape.

Transforming Decision-Making

Informed decision-making is a hallmark of successful businesses, yet human error and bias often hinder data interpretation. Augmented analytics leverages AI-driven, unbiased analysis to enable faster and more accurate decisions.

For example, advanced statistical models powered by ML analyze data trends to deliver precise predictive insights. Businesses can now anticipate market shifts, customer behavior, and operational bottlenecks with unprecedented accuracy. Real-time insights further bridge the gap between analysis and action, enabling seamless strategy execution.

A retail chain identifies underperforming stores within hours of a sales dip.

A financial institution detects fraudulent transactions before they escalate.

These capabilities redefine decision-making, making it faster, smarter, and more reliable.

Real-World Applications

Augmented analytics is not just theoretical—it is actively transforming industries.

Supply Chain Optimization

AI-powered analytics helps organizations predict disruptions, assess supplier performance, and optimize inventory. Industry 4.0 companies are already revolutionizing supply chains with IoT and machine learning.

Customer-Centric Marketing

Personalization is key in modern marketing. Augmented analytics enables brands to design hyper-targeted campaigns by analyzing customer preferences and behavior in real-time, fostering engagement and loyalty.

To Know More, Read Full Article @ https://ai-techpark.com/augmented-analytics-business-intelligence-transformation/

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In today’s data-driven world, data isn’t just the new oil—it’s also the refinery, the engine, and the fuel propelling businesses forward. Yet, in an era awash with big data, Chief Data Officers (CDOs) face a critical question: Are they sitting on a gold mine or drowning in an ocean of numbers?

The answer lies in smart data—refined, actionable insights that drive innovation, enhance decision-making, and position businesses for success. As we step into 2025, the opportunity for CDOs to turn smart data into a strategic advantage has never been greater. Here’s how:

Why Smart Data Outshines Big Data

In today’s fast-paced environment, it’s not about how much data you collect but how effectively you use it. Smart data is not just big data—it’s better data: focused, relevant, and actionable.

By filtering out the noise from millions of data points, businesses can uncover insights that predict customer behavior, optimize processes, and reveal new opportunities. Companies leveraging smart data report a 20% increase in customer engagement and significant reductions in operational inefficiencies.

The Smart Data Revolution isn’t a passing trend; it’s the future. And the first step toward embracing it is embedding data into every aspect of your business.

Fostering a Data-First Culture

Smart data thrives in a culture where data is central to strategy, not an afterthought.

Breaking down silos is crucial. Disconnected data sets across departments like marketing, IT, and operations lead to missed opportunities. When teams are aligned, smart data becomes the shared language of a unified ecosystem.

For example, a global manufacturing company integrated its supply chain, production, and sales data into a seamless flow of insights. The result? A 15% cost reduction and faster market responsiveness.

Building a data-first culture also requires a mindset shift, where every employee—from entry-level to the C-suite—sees data as fundamental to success.

Turning Smart Data into a Competitive Edge

Smart data isn’t just about informed decisions; it enables faster, proactive, and more precise actions.

In marketing, predictive analytics allows businesses to anticipate customer needs and personalize experiences. Operationally, smart data tools identify inefficiencies and address them before they become problems, such as detecting supply chain issues or reallocating resources in real time during demand surges.

These aren’t theoretical scenarios—they’re real results achieved by forward-thinking companies. The question for CDOs is: How will you leverage smart data to outpace your competition?

To Know More, Read Full Article @ https://ai-techpark.com/cdos-strategy-2025/

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The year 2024 has been marked by significant advancements in technology, particularly in AI, IoT, and cybersecurity. What once seemed like the stuff of futuristic movies has now become integral to our modern world. The convergence of these technologies has sparked creativity, collaboration, and caution, from developing ethical frameworks for AI to exploring how smart tech can enhance the holiday season. Here’s a look at some of the most impactful innovations and trends that have defined this year:

Ethics in AI: The C-Suite Challenge

As AI continues to evolve, ethical concerns have moved beyond researchers and technologists, becoming a top priority for business leaders. Executives now face the challenge of integrating ethical AI practices while ensuring business goals are met. Issues like algorithmic bias and the impact of AI on employment are forcing organizations to develop robust ethical standards. This article explores why ethical AI is crucial for building trust and avoiding scandals, highlighting the growing responsibility of corporate leaders in shaping AI's future.

Bridging AI and Morality

Ethical AI is no longer optional—it’s a cornerstone of success in the digital age.

This piece delves into strategies for implementing ethical AI principles, emphasizing fairness and inclusivity. Companies adopting these practices are not only gaining a competitive edge but also setting benchmarks for socially responsible AI deployment. The article addresses the pressure on organizations to lead the charge in AI ethics, steering society toward a more equitable technological future.

Democratizing Generative AI

Generative AI is breaking barriers, empowering creators of all scales.

In 2024, generative AI has become accessible to individuals and small businesses, unleashing a wave of innovation. From art to complex business solutions, anyone with a creative idea can now harness AI’s power. This shift is revolutionizing industries such as design, marketing, and content creation, fostering a more inclusive environment where creativity knows no bounds.

Generative AI Gets Festive

AI is adding a personalized touch to holiday celebrations.

From crafting custom playlists to generating unique recipes, AI is transforming how we celebrate the holidays. This article explores how AI enhances convenience and creativity during festive occasions, making celebrations more tailored and enjoyable than ever before.

From Art to Action: Practical Applications of Generative AI

Generative AI is moving beyond creativity to drive industry-wide innovation.

This year, generative AI has expanded its influence, solving real-world problems across marketing, healthcare, and manufacturing. From targeted ad campaigns to product design, AI is reshaping business operations and pushing the boundaries of what’s possible.

To Know More, Read Full Article @ https://ai-techpark.com/the-ai-iot-ecosystem/

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The healthcare system we inherited was a reflection of stagnation. Outdated systems and inefficient processes had become the norm, leaving healthcare professionals in a constant struggle to meet the ever-growing demands of modern medicine. This environment was not only challenging for providers but also frustrating for patients.

Inefficient, archaic practices highlighted how far healthcare had fallen behind compared to industries that had readily embraced modern technologies.

This realization inspired the creation of CaryRx, co-founded by Nima Negahban, Kevin Lance, and myself. Our vision was to revolutionize pharmacy services by focusing on a seamless, patient-centric experience. CaryRx pioneered a new approach to filling prescriptions aimed at improving outcomes, adherence, and access.

Over the past decade, we’ve seen a shift toward enhancing user experiences across industries. Companies like Uber and DoorDash have transformed everyday services by prioritizing the delivery experience. Pharmacies are no exception. At CaryHealth, we understand that patients and healthcare providers expect more than just effective products—they demand seamless, efficient, and reliable experiences.

Bridging the Gap in Patient Care

The turning point came when we identified a critical gap: pharmacies, a cornerstone of patient care, lacked the tools to address complex clinical concerns swiftly and accurately. Clinicians were stuck relying on outdated information, spending countless hours sifting through data, and using generic tools that failed to meet the nuanced demands of healthcare. This gap wasn’t just inconvenient—it was a barrier to providing the high-quality care patients deserved.

As we delved deeper, we realized the opportunity went beyond improving pharmacies for patients. It was about transforming the entire healthcare experience by leveraging cutting-edge technologies to enhance efficiency and create a robust, AI-powered digital infrastructure.

Introducing AI to Healthcare

Our mission took a significant leap forward with the launch of Clair, our clinical health intelligence solution. Traditional tools often fail to provide real-time, evidence-based answers to complex clinical questions, and they are notoriously cumbersome to use.

Clair was designed specifically for healthcare professionals. It is continuously updated with the latest FDA inserts, clinical guidelines, and over 200 million clinical studies, ensuring practitioners have access to the most current information. Whether the question is about the impact of Gemtesa on blood pressure or the best treatment plan for an 85-year-old patient with multiple conditions, Clair delivers accurate, referenced answers instantly.

Beyond quick queries, Clair includes features like Clinical Summaries, Drug Interactions, Antibiotic Stewardship, and Medication Therapy Management, making it an intuitive, reliable tool that fits seamlessly into the healthcare ecosystem.

To Know More, Read Full Article @ https://ai-techpark.com/caryhealths-ai-healthcare-revolution/

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Web3 technology has transitioned from being a buzzword and speculative trend to a transformative force shaping the digital landscape. As we approach 2025, Web3 is set to redefine business models, offering unprecedented security and transparency through decentralized platforms. But what does this future hold, and how can businesses, especially in the B2B sector, harness the power of Web3 for sustained success? Let’s explore the key trends, challenges, and opportunities Web3 will bring in 2025.

Decentralization in 2025: Driving Tangible Value

Web3 is more than a technological shift; it’s a business revolution. By 2025, Web3 technology will be deeply integrated into industries like finance and supply chain, delivering immense value through greater transparency, reduced intermediaries, and enhanced user control. Decentralized platforms will provide measurable benefits, such as lower costs, faster transactions, and improved data ownership for businesses.

In decentralized finance (DeFi), for example, Web3 applications will enable businesses to conduct cross-border payments without traditional banking intermediaries, heralding a finance revolution. Similarly, industries like supply chain management, digital identity, and tokenization will leverage Web3 to enhance transparency, reduce inefficiencies, and regain control over data.

From Hype to Practical Applications

While the buzz around Web3 is real, its practical applications are even more compelling. Web3 is no longer confined to cryptocurrency or speculative investments; it is reshaping mainstream business operations.

DeFi is disrupting traditional banking by enabling blockchain-based cross-border payments. Supply chain transparency is being revolutionized with blockchain technology, creating real-time, verifiable records of product origins. Additionally, tokenized loyalty programs are redefining customer engagement by fostering trust and transparency in reward systems. These solutions not only address existing industry challenges but also open up new possibilities for meaningful, decentralized relationships.

Overcoming Challenges

As businesses embrace Web3 in 2025, they will face challenges, including scalability and regulatory compliance.

Scalability is a significant hurdle—can decentralized platforms efficiently manage enterprise-level operations? Emerging Layer-2 solutions aim to address this issue by enhancing scalability without compromising speed or security.

Regulation is another critical concern. Governments and regulatory bodies are working to establish frameworks for Web3 technologies. Businesses must stay informed and align their systems with evolving compliance requirements to ensure long-term adoption and success in a decentralized ecosystem.

To Know More, Read Full Article @ https://ai-techpark.com/web3-in-2025-decentralized-platforms/

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