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  • Hundred Zeros Catalogs Current Free Best-Sellers on Amazon

    - by Jason Fitzpatrick
    If you’re looking for some free entertainment (and who isn’t?), Hundred Zeros catalogs the current free best selling ebooks on Amazon. Visit, search, and enjoy some new books without spending a dime. Courtesy of Amit Agarwal from Digital Inspiration, Hundred Zeros catalogs piles of free Kindle books. You can browse the front page for the current top books, browse by category, or search by topic in the sidebar. When you find a book you like just click through to Amazon and send to your Kindle or Cloud Reader. Hit up the link below to start searching. Hundred Zeros HTG Explains: What Is Two-Factor Authentication and Should I Be Using It? HTG Explains: What Is Windows RT and What Does It Mean To Me? HTG Explains: How Windows 8′s Secure Boot Feature Works & What It Means for Linux

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  • Learn How to Use Oracle’s Spatial and BI Tools for Location-aware Predictive Analytics

    - by Mandy Ho
    November 29, 2-3pm EST Are you a OBIEE (Oracle Business Intelligence Enterprise Edition) user? Have Location data you'd like to incorporate into your analysis as well? This is a great webinar for you! Join us, as Oracle experts from both teams show how to perform perdictive analytics, network analytics and spatial analysis, combined together, in real world scenarios. We will include demos evaluating airline on-time performance and retail establishment performance.  Learn how to: - Gain better business insights and improve ROI with Oracle Spatial and Graph, Oracle Advanced Analytics, and Oracle Business Intelligence Enterprise Edition (OBIEE). - Streamline and remove the complexity of building applications with OBIEE’s built-in location and analytics features. - Create the statistical model, build interactive reports and dashboards including location analysis and map visualization, and incorporate network analytics for geomarketing and site scoring. - Perform location analysis and processing such as proximity, containment, geocoding, aggregation of geographic regions, and more. Speakers include Jayant Sharma, Director, Product Management, Oracle Spatial and Mapping Technologies; Jean Ihm, Principal Product Manager, Oracle Spatial and Mapping Technologies; and Abhinav Agarwal, OBIEE Product Management. Who should attend This webinar is appropriate for CIOs, business and technical managers, developers, and analysts involved in design and management of analytic applications and solutions where spatial analysis can add insight and value to business processes. Click here, or the link below to sign up today! https://www2.gotomeeting.com/register/764677554

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  • Amazon Kindle Fire User Agent String

    - by Gopinath
    Today I was searching for Amazon Kindle Fire user agent string so that I can trick websites as if I’m browsing using Kindle Fire. To my surprise I found the following two variants of user agents listed on blogs but not sure which one is right or if Kindle Fire generating two types of User Agent strings. The first one is given by the prominent blogger and WSJ tech columnist Amit Agarwal and I vote for him as he is a highly reputed person. Mozilla/5.0 (Linux; U; Android 2.3.4; en-us; Kindle Fire Build/GINGERBREAD) AppleWebKit/533.1 (KHTML, like Gecko) Version/4.0 Mobile Safari/533.1 The second variant is found on this website and I’m not sure about the authority of the blogger. Mozilla/5.0 (Macintosh; U; Intel Mac OS X 10_6_3; en-us; Silk/1.1.0-80) AppleWebKit/533.16 (KHTML, like Gecko) Version/5.0 Safari/533.16 Silk-Accelerated=true This article titled,Amazon Kindle Fire User Agent String, was originally published at Tech Dreams. Grab our rss feed or fan us on Facebook to get updates from us.

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  • The current state of a MERGE Destination for SSIS

    - by jamiet
    Hugo Tap asked me on Twitter earlier today whether or not there existed a SSIS Dataflow Destination component that enabled one to MERGE data into a table rather than INSERT it. Its a common request so I thought it might be useful to summarise the current state of play as regards a MERGE destination for SSIS. Firstly, there is no MERGE destination component in the box; that is, when you install SSIS no MERGE Destination will be available. That being said the SSIS team have made available a MERGE destination component via Codeplex which you can get from http://sqlsrvintegrationsrv.codeplex.com/releases/view/19048. I have never used it so cannot vouch for its usefulness although judging by some of the reviews you might not want to set your expectations too high. Your mileage may vary.   In the past it has occurred to me that a built-in way to provide MERGE from the SSIS pipeline would be highly valuable. I assume that this would have to be provided by the database into which you were merging hence in March 2010 I submitted the following two requests to Connect: BULK MERGE (111 votes at the time of writing) [SSIS] BULK MERGE Destination (15 votes) If you think these would be useful feel free to vote them up and add a comment. Lastly, this one is nothing to do with SSIS but if you want to perform a minimally logged MERGE using T-SQL Sunil Agarwal has explained how at Minimal logging and MERGE statement. @Jamiet

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  • ALMing in Hinglish 2&ndash;Windows 8-Manual Testing Metro Style Apps using MTM11

    - by Tarun Arora
    What is ALMing in Hinglish => Introduction     ????? ?????? ??? ?????? ????, ?????? ??????? ?? ?????? ?????? ?? ????? ?????? ?????? 8 ?????? ?????? ??????????? ?? ?????? ???????? ?? ???? ???. ??? ???? ???????????? ????? ??????? 2011 ?? ?????? ?? ?? ???? ????? ?????? 8 ?????? ?????? ??????????? ?? ?????? ???????? ??. ALMing in Hinglish–Windows 8 Metro Style App manual testing using MTM11   In this second in the series of videos I bring to you Shubhra Maji who is a Program Manager on the Visual Studio dev tools team in Hyderabad along with the very seasoned Aditya Agarwal & Srishti Sridhar who have been working in the Visual Studio team from past several releases. The team wonderfully walks us through manually testing Metro Style Apps in Windows 8 using Microsoft Test Manager 2011. A great thank you for watching, if you have any questions/feedback/suggestions please contact us. Stay Tuned for more… Namaste!   You might also like - ALMing in Hinglish 1-Exploratory Testing in VS11 with Nivedita Bawa

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  • Book to Help OBI11g Developers by Mark Rittman

    - by Mike.Hallett(at)Oracle-BI&EPM
    Normal 0 false false false EN-GB X-NONE X-NONE MicrosoftInternetExplorer4 /* Style Definitions */ table.MsoNormalTable {mso-style-name:"Table Normal"; mso-tstyle-rowband-size:0; mso-tstyle-colband-size:0; mso-style-noshow:yes; mso-style-priority:99; mso-style-qformat:yes; mso-style-parent:""; mso-padding-alt:0cm 5.4pt 0cm 5.4pt; mso-para-margin-top:0cm; mso-para-margin-right:0cm; mso-para-margin-bottom:10.0pt; mso-para-margin-left:0cm; line-height:115%; mso-pagination:widow-orphan; font-size:11.0pt; font-family:"Calibri","sans-serif"; mso-ascii-font-family:Calibri; mso-ascii-theme-font:minor-latin; mso-fareast-font-family:"Times New Roman"; mso-fareast-theme-font:minor-fareast; mso-hansi-font-family:Calibri; mso-hansi-theme-font:minor-latin; mso-bidi-font-family:"Times New Roman"; mso-bidi-theme-font:minor-bidi;} Mark Rittman has published an extensive up to date Developer’s Guide for Oracle Business Intelligence 11g. For a great summary of what you can get from this new book have a quick look at the review posted here by Abhinav Agarwal.

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  • Today's Links (6/28/2011)

    - by Bob Rhubart
    Connecting People, Processes, and Content: An Online Event | Brian Dirking Dirking shares information on an Oracle Online Forum coming up on July 19. Social Relationships don't count until they count | Steve Jones "It's actually the interactions that matter to back up the social experience rather than the existence of a social link," says Jones. ORACLENERD: KScope 11: Cary Millsap Commenting on Cary Millsap's KScope presentation on Agile, Oracle ACE Chet Justice says, "I fight with methodology on a daily basis, mostly resulting in me hitting my head against the closest wall." The Sage Kings of Antiquity | Richard Veryard "Given that the empirical evidence for enterprise architecture is fairly weak, anecdotal and inconclusive, we are still more dependent than we might like on the authority of experts," says Veryard, "whether this be semi-anonymous committees (such as TOGAF) or famous consultants (such as Zachman)." Oracle Business Intelligence Blog: New BI Mobile Demos "These are short videos that showcase some of the capabilities in our mobile app," says Abhinav Agarwal. "One focuses on the Oracle BI platform, while the other showcases what is possible with the mobile app accessing Oracle Business Intelligence Applications, like Financial Analytics." MySQL HA Events in the UK, Germany & France | Oracle's MySQL Blog Oracle is running MySQL High Availability breakfast seminars in London (June 29), Düsseldorf (July 13) and Paris (September 7). "During these free seminars, we will review the various options and technologies at your disposal to implement highly available and highly scalable MySQL infrastructures, as well as best practices in terms of architectures," says Bertrand Matthelié. VENNSTER BLOG: User Experience in Fusion apps "When I heard about the Fusion Applications User Experience efforts, I was skeptical," says Oracle ACE Director Lonneke Dikmans of Vennster "My view of Oracle and User Experience has changed drastically today." Power Your Cloud with Oracle Fusion Middleware Running in over 50 cities across the globe, this event is aimed at Architects, IT Managers, and technical leaders like you who are using Fusion Middleware or trying to learn more about middleware in the context of Cloud computing.

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  • Can there be two public section in a class? If yes then why ? And in which circumstances we do so?

    - by Abhi
    Dear all I have a doubt related to class. For example class A { public: A() { ..... ..... } void cleanup() { .... .... .... } public: UINT a; ULONG b; }; In the above example there are two public section, In first section i am defining constructor and the method and in the second section i am declaring data members. Does the above class i.e. A is correct. Can we do so? If yes then why we needed and in which circumstances we should use it? Also we can do the entire thing in one section then why un necessary we r taking two section...? Thanks and regards Abhineet Agarwal

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  • Comparison of Extreme Programming (XP) to Traditional Programming Methodologies

    The comparison of extreme programming (XP) to traditional programming methodologies can find similarities between the historic biblical battle between David and Goliath. Goliath of Gath is a Philistine warrior renowned for his size, strength and battle tested skills. Much like Goliath, traditional methodologies are known to be cumbersome due to large amounts of documentation, and time consuming do to the time needed to gather all the information. However, traditional methodologies have been widely accepted by the software development community for years because of its attention to detail regarding project development and maintenance. David is a male Israelite teenager, who was small, fearless, and untrained in any type of formal combat. In a similar fashion, extreme programming focuses more on code over documentation so that time is spent on developing the project and not on cumbersome documentation of a project. Typically, project managers and developers are fearless when they start this type of project because they usually start with little to no documentation, and they expect to be given changes to be implemented at the start of every new project iteration. Because of the lack of need or desire for documentation in extreme programming projects they appear to act as if there is no formal process involved in developing an extreme programming project.  This is a misnomer, because of the consistent development iterations and interaction with clients and users the quickly takes form because each iteration allows the project to be refined as the customer needs and desires change. Ravikant Agarwal and David Umphress documented a new approach to extreme programming called personal extreme programming (PXP) at the ACM Southeast Regional Conference in 2008. PXP is the application of extreme programming core concepts in a single developer team environment.  PXP focuses on how to adjust the main concepts and practices of extreme programming that is typically centered in a group environment and how they can be altered to be beneficial for a single developer environment. Suzanne Smith and Sara Stoecklin are both advocates of extreme programming according to the Journal of Computing Sciences in Colleges and in fact they feel that it should receive more attention in introductory programming classes to allow students to better understand the software development process. Reasons why extreme programming is a good thing: Developers get to do more of what they love, Develop. Traditional software development methodologies tend to  add additional demands on a project by requiring all requirements and project specifications to be fully defined prior to the start of the implementation phase of a project. A standard 40 hour work week. With limiting the work week to only 40 hours prevents developers from getting burned out on projects.

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  • Transform Your Portal Experience and Optimize Online Engagement

    - by Christie Flanagan
    Normal 0 false false false EN-US X-NONE X-NONE /* Style Definitions */ table.MsoNormalTable {mso-style-name:"Table Normal"; mso-tstyle-rowband-size:0; mso-tstyle-colband-size:0; mso-style-noshow:yes; mso-style-priority:99; mso-style-qformat:yes; mso-style-parent:""; mso-padding-alt:0in 5.4pt 0in 5.4pt; mso-para-margin-top:0in; mso-para-margin-right:0in; mso-para-margin-bottom:10.0pt; mso-para-margin-left:0in; line-height:115%; mso-pagination:widow-orphan; font-size:11.0pt; font-family:"Calibri","sans-serif"; mso-ascii-font-family:Calibri; mso-ascii-theme-font:minor-latin; mso-hansi-font-family:Calibri; mso-hansi-theme-font:minor-latin; mso-bidi-font-family:"Times New Roman"; mso-bidi-theme-font:minor-bidi;} Does your portal environment foster collaboration between your business and your customers? Are you effectively managing your customer, employee, and partner relationships and engagement? Can your users access information through Web, mobile, and social channels? Online engagement solutions give organizations the ability to listen and respond to their customers, provide targeted experiences, and encourage interaction among customers and employees.Join us for a webcast on Thursday, April 12, 2012 at 10 a.m. PT / 1 p.m. ET, where Sachin Agarwal, Senior Director of Product Management and Kellsey Ruppel, Senior Product Marketing Manager for Oracle WebCenter, will tell you how to transform your portal experience and optimize online engagement. With Oracle WebCenter, you can: Deliver an optimized online experience for your users Create contextually relevant, targeted online experiences Provide intuitive and secure access to back-office applications Manage and moderate interactive, multichannel social interactions Register today and learn how to make your portals more interactive and engaging across multiple channels.

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  • Oracle WebCenter: Composite Applications & Mash-Ups

    - by kellsey.ruppel(at)oracle.com
    We’ve talked in previous weeks about the key goals of the new release of WebCenter are providing a Modern User Experience, unparalleled Application Integration, converging all the best of the existing portal platforms into WebCenter and delivering a Common User Experience Architecture.  We’ve provided an overview of Oracle WebCenter and discussed some of the other key goals in previous weeks, and this week, we’ll focus on how with the new release of Oracle WebCenter you can create composite applications and mashups.We recently talked with Sachin Agarwal, Director of Product Management of Enterprise 2.0 at Oracle around the topic of Composite Applications and Mashups. Oracle WebCenter provides a rich set of tools and capabilities for pulling in content, applications and collaboration functionality from various different sources and weaving them together into what we call Mashups. Mashups that also consists of transactional applications from multiple sources are specifically called Composite Applications. With the latest release of Oracle WebCenter one can develop highly productive tasked based interfaces that aggregate a related set of applications that are part of a business process and provide in context collaboration tools so that users don’t have to navigate away to different tabs to achieve these tasks. For instance, a call center representative (CSR), not only needs to be able to pull customer information from a CRM application like Siebel, but also related information from Oracle E-Business Suite about whether a specific order has shipped. The CSR will be far more efficient if he or she does not have to open different tabs to login into multiple applications while the customer is waiting, but can access all this information in one mashup.Oracle WebCenter Suite provides a comprehensive set of tooling that enables a business user to quickly aggregate together a mashup and wire-in different backend applications to create a custom dashboard. Not only does Oracle WebCenter supports a wide set of standards (WSRP 1.0, 2.0, JSR 168, JSR 286) that allow portlets  from other applications to be surfaced within WebCenter, but it also provides tools to bring in other web applications such as .Net Applications  as well as SharePoint webparts. The new Business Mash-up editor allows business users to take any Oracle Application or 3rd party application and wire the backend data sources or APIs to a rich set of visualizations and reuse them in mashups.  Moreover, Business users can customize or personalize any page using Oracle WebCenter Composer’s on-the-fly visual page editing features. Users access and select different resource components available in Oracle WebCenter’s Business Dictionary in order to add new content to the page. The Business Dictionary provides a role-based view of available components or resources, and these components can include information from a variety of enterprise resources such as enterprise applications, managed content, rich media, business processes, or business intelligence systems. Together, Oracle WebCenter’s Composer and Business Dictionary give users access to a powerful, yet easy to use, set of tools to personalize and extend their Oracle WebCenter portals and applications without involving IT.Keep checking back this week as we share more information on how you can easily create Commposite Applications and Mashups with Oracle WebCenter .Technorati Tags: UXP, collaboration, enterprise 2.0, modern user experience, oracle, portals, webcenter, applications, mashups, composite applications

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  • Oracle WebCenter: Composite Applications & Mash-Ups

    - by kellsey.ruppel(at)oracle.com
    We’ve talked in previous weeks about the key goals of the new release of WebCenter are providing a Modern User Experience, unparalleled Application Integration, converging all the best of the existing portal platforms into WebCenter and delivering a Common User Experience Architecture.  We’ve provided an overview of Oracle WebCenter and discussed some of the other key goals in previous weeks, and this week, we’ll focus on how with the new release of Oracle WebCenter you can create composite applications and mashups.We recently talked with Sachin Agarwal, Director of Product Management of Enterprise 2.0 at Oracle around the topic of Composite Applications and Mashups. Oracle WebCenter provides a rich set of tools and capabilities for pulling in content, applications and collaboration functionality from various different sources and weaving them together into what we call Mashups. Mashups that also consists of transactional applications from multiple sources are specifically called Composite Applications. With the latest release of Oracle WebCenter one can develop highly productive tasked based interfaces that aggregate a related set of applications that are part of a business process and provide in context collaboration tools so that users don’t have to navigate away to different tabs to achieve these tasks. For instance, a call center representative (CSR), not only needs to be able to pull customer information from a CRM application like Siebel, but also related information from Oracle E-Business Suite about whether a specific order has shipped. The CSR will be far more efficient if he or she does not have to open different tabs to login into multiple applications while the customer is waiting, but can access all this information in one mashup.Oracle WebCenter Suite provides a comprehensive set of tooling that enables a business user to quickly aggregate together a mashup and wire-in different backend applications to create a custom dashboard. Not only does Oracle WebCenter supports a wide set of standards (WSRP 1.0, 2.0, JSR 168, JSR 286) that allow portlets  from other applications to be surfaced within WebCenter, but it also provides tools to bring in other web applications such as .Net Applications  as well as SharePoint webparts. The new Business Mash-up editor allows business users to take any Oracle Application or 3rd party application and wire the backend data sources or APIs to a rich set of visualizations and reuse them in mashups.  Moreover, Business users can customize or personalize any page using Oracle WebCenter Composer’s on-the-fly visual page editing features. Users access and select different resource components available in Oracle WebCenter’s Business Dictionary in order to add new content to the page. The Business Dictionary provides a role-based view of available components or resources, and these components can include information from a variety of enterprise resources such as enterprise applications, managed content, rich media, business processes, or business intelligence systems. Together, Oracle WebCenter’s Composer and Business Dictionary give users access to a powerful, yet easy to use, set of tools to personalize and extend their Oracle WebCenter portals and applications without involving IT.Keep checking back this week as we share more information on how you can easily create Commposite Applications and Mashups with Oracle WebCenter .Technorati Tags: UXP, collaboration, enterprise 2.0, modern user experience, oracle, portals, webcenter, applications, mashups, composite applications

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  • Oracle WebCenter: Composite Applications & Mash-Ups

    - by kellsey.ruppel(at)oracle.com
    We’ve talked in previous weeks about the key goals of the new release of WebCenter are providing a Modern User Experience, unparalleled Application Integration, converging all the best of the existing portal platforms into WebCenter and delivering a Common User Experience Architecture.  We’ve provided an overview of Oracle WebCenter and discussed some of the other key goals in previous weeks, and this week, we’ll focus on how with the new release of Oracle WebCenter you can create composite applications and mashups.We recently talked with Sachin Agarwal, Director of Product Management of Enterprise 2.0 at Oracle around the topic of Composite Applications and Mashups. Oracle WebCenter provides a rich set of tools and capabilities for pulling in content, applications and collaboration functionality from various different sources and weaving them together into what we call Mashups. Mashups that also consists of transactional applications from multiple sources are specifically called Composite Applications. With the latest release of Oracle WebCenter one can develop highly productive tasked based interfaces that aggregate a related set of applications that are part of a business process and provide in context collaboration tools so that users don’t have to navigate away to different tabs to achieve these tasks. For instance, a call center representative (CSR), not only needs to be able to pull customer information from a CRM application like Siebel, but also related information from Oracle E-Business Suite about whether a specific order has shipped. The CSR will be far more efficient if he or she does not have to open different tabs to login into multiple applications while the customer is waiting, but can access all this information in one mashup.Oracle WebCenter Suite provides a comprehensive set of tooling that enables a business user to quickly aggregate together a mashup and wire-in different backend applications to create a custom dashboard. Not only does Oracle WebCenter supports a wide set of standards (WSRP 1.0, 2.0, JSR 168, JSR 286) that allow portlets  from other applications to be surfaced within WebCenter, but it also provides tools to bring in other web applications such as .Net Applications  as well as SharePoint webparts. The new Business Mash-up editor allows business users to take any Oracle Application or 3rd party application and wire the backend data sources or APIs to a rich set of visualizations and reuse them in mashups.  Moreover, Business users can customize or personalize any page using Oracle WebCenter Composer’s on-the-fly visual page editing features. Users access and select different resource components available in Oracle WebCenter’s Business Dictionary in order to add new content to the page. The Business Dictionary provides a role-based view of available components or resources, and these components can include information from a variety of enterprise resources such as enterprise applications, managed content, rich media, business processes, or business intelligence systems. Together, Oracle WebCenter’s Composer and Business Dictionary give users access to a powerful, yet easy to use, set of tools to personalize and extend their Oracle WebCenter portals and applications without involving IT.Keep checking back this week as we share more information on how you can easily create Commposite Applications and Mashups with Oracle WebCenter .Technorati Tags: UXP, collaboration, enterprise 2.0, modern user experience, oracle, portals, webcenter, applications, mashups, composite applications

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  • What shall be the code in xaml which makes a particular image to act as a button?

    - by Abhi
    Dear all I am new to Silverlight. And i have to make a demo application where in designing is done by using Microsoft Expression Blend 2 and developing should be done using Visual Studio(c++). Now i am first trying to become familiar with xaml files. So i was trying to make a simple demo where in i have to create a button and that button should be replace with an png image. In order to do so i tried with the mentioned below example. But i was not able to see anything in the screen. <UserControl xmlns="http://schemas.microsoft.com/winfx/2006/xaml/presentation" xmlns:x="http://schemas.microsoft.com/winfx/2006/xaml" x:Class="SilverlightApplication1.Page" Width="640" Height="480"> <Grid x:Name="LayoutRoot" Background="White"> <Button x:Name="LogoutButton" > <Button.Template> <ControlTemplate> <Image Source="SilverlightApplication1\bounce_photo.png" /> </ControlTemplate> </Button.Template> </Button> </Grid> Please let me know where i am wrong and what shall i do to obtain the result. With regards Abhineet Agarwal

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  • The Virtues and Challenges of Implementing Basel III: What Every CFO and CRO Needs To Know

    - by Jenna Danko
    The Basel Committee on Banking Supervision (BCBS) is a group tasked with providing thought-leadership to the global banking industry.  Over the years, the BCBS has released volumes of guidance in an effort to promote stability within the financial sector.  By effectively communicating best-practices, the Basel Committee has influenced financial regulations worldwide.  Basel regulations are intended to help banks: More easily absorb shocks due to various forms of financial-economic stress Improve risk management and governance Enhance regulatory reporting and transparency In June 2011, the BCBS released Basel III: A global regulatory framework for more resilient banks and banking systems.  This new set of regulations included many enhancements to previous rules and will have both short and long term impacts on the banking industry.  Some of the key features of Basel III include: A stronger capital base More stringent capital standards and higher capital requirements Introduction of capital buffers  Additional risk coverage Enhanced quantification of counterparty credit risk Credit valuation adjustments  Wrong  way risk  Asset Value Correlation Multiplier for large financial institutions Liquidity management and monitoring Introduction of leverage ratio Even more rigorous data requirements To implement these features banks need to embark on a journey replete with challenges. These can be categorized into three key areas: Data, Models and Compliance. Data Challenges Data quality - All standard dimensions of Data Quality (DQ) have to be demonstrated.  Manual approaches are now considered too cumbersome and automation has become the norm. Data lineage - Data lineage has to be documented and demonstrated.  The PPT / Excel approach to documentation is being replaced by metadata tools.  Data lineage has become dynamic due to a variety of factors, making static documentation out-dated quickly.  Data dictionaries - A strong and clean business glossary is needed with proper identification of business owners for the data.  Data integrity - A strong, scalable architecture with work flow tools helps demonstrate data integrity.  Manual touch points have to be minimized.   Data relevance/coverage - Data must be relevant to all portfolios and storage devices must allow for sufficient data retention.  Coverage of both on and off balance sheet exposures is critical.   Model Challenges Model development - Requires highly trained resources with both quantitative and subject matter expertise. Model validation - All Basel models need to be validated. This requires additional resources with skills that may not be readily available in the marketplace.  Model documentation - All models need to be adequately documented.  Creation of document templates and model development processes/procedures is key. Risk and finance integration - This integration is necessary for Basel as the Allowance for Loan and Lease Losses (ALLL) is calculated by Finance, yet Expected Loss (EL) is calculated by Risk Management – and they need to somehow be equal.  This is tricky at best from an implementation perspective.  Compliance Challenges Rules interpretation - Some Basel III requirements leave room for interpretation.  A misinterpretation of regulations can lead to delays in Basel compliance and undesired reprimands from supervisory authorities. Gap identification and remediation - Internal identification and remediation of gaps ensures smoother Basel compliance and audit processes.  However business lines are challenged by the competing priorities which arise from regulatory compliance and business as usual work.  Qualification readiness - Providing internal and external auditors with robust evidence of a thorough examination of the readiness to proceed to parallel run and Basel qualification  In light of new regulations like Basel III and local variations such as the Dodd Frank Act (DFA) and Comprehensive Capital Analysis and Review (CCAR) in the US, banks are now forced to ask themselves many difficult questions.  For example, executives must consider: How will Basel III play into their Risk Appetite? How will they create project plans for Basel III when they haven’t yet finished implementing Basel II? How will new regulations impact capital structure including profitability and capital distributions to shareholders? After all, new regulations often lead to diminished profitability as well as an assortment of implementation problems as we discussed earlier in this note.  However, by requiring banks to focus on premium growth, regulators increase the potential for long-term profitability and sustainability.  And a more stable banking system: Increases consumer confidence which in turn supports banking activity  Ensures that adequate funding is available for individuals and companies Puts regulators at ease, allowing bankers to focus on banking Stability is intended to bring long-term profitability to banks.  Therefore, it is important that every banking institution takes the steps necessary to properly manage, monitor and disclose its risks.  This can be done with the assistance and oversight of an independent regulatory authority.  A spectrum of banks exist today wherein some continue to debate and negotiate with regulators over the implementation of new requirements, while others are simply choosing to embrace them for the benefits I highlighted above. Do share with me how your institution is coping with and embracing these new regulations within your bank. Dr. Varun Agarwal is a Principal in the Banking Practice for Capgemini Financial Services.  He has over 19 years experience in areas that span from enterprise risk management, credit, market, and to country risk management; financial modeling and valuation; and international financial markets research and analyses.

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