Tag: automation

BPM Companies Turn To Cost-saving Deals in New Normal | In the News

Data analytics and automation are becoming an integral part of business process management (BPM) offerings. BPM firms are bagging more cost-saving deals as clients prioritize on cost-cutting and beating inflation.

Budgets in most industrial sectors are up slightly over 2022, but many firms have been unable to spend their full budgets last year. “Hence, we expect to see a growth of 5-7% for the industry over last year. This is down from the 12% of 2022 but still healthy,” said Peter Bendor-Samuel, CEO of research firm Everest Group.

Read more in the Economic Times

ChatGPT – A New Dawn in the Application Development Process? | Blog

ChatGPT, the advanced Artificial Intelligence (AI) chatbot that’s taken the world by storm, can potentially accelerate various stages in the Software Development Lifecycle (SDLC), from gathering requirements to design and testing, and also enhance developers’ productivity, among other benefits. But it still has limitations. Read on to learn more.   

ChatGPT made headlines when it reached 1 million users in just five days after being unveiled in November 2022. Not only was the tech community awed, but it also has interested a wider audience, from students to industry veterans, and attracted more than 100 million users by the end of January 2023.

ChatGPT and other AI chatbots, such as DALL-E, are poised to radically disrupt multiple professions, including education and healthcare. In our ongoing coverage of this trending topic, we’ll explore how these recent developments may rapidly advance the application development process.

What is ChatGPT, and why is it creating major upheaval?

ChatGPT (Chat Generative Pre-Trained Transformer) is a chatbot built by AI firm OpenAI. It is based on Generative Pre-Trained Transformer (GPT-3) architecture, a neural network Machine Learning (ML) model that generates human-like responses to natural language text inputs. Its ability to converse like a human, answer follow-up queries, and reject inappropriate queries makes it more special than its predecessors. Its capabilities include language translation, text summarization, and text generation.

We tried our hands on ChatGPT and asked it to write a blog on itself, and the results amazed us. See the exhibit below for the blog that ChatGPT generated.

Picture1 1

Next, let’s explore in more detail how ChatGPT could be embedded in the Software Development Lifecycle (SDLC) to create applications and the associated benefits.

The avant-garde movement in application development

While low-code/no-code and AI-assisted application development made leaps and bounds in this field, ChatGPT has the potential to step up the game even further. This potent AI tool can be used to accelerate different processes at various phases of the SDLC, leading to faster development cycles, enhanced productivity of developers, and quicker value delivery to enterprises.

Here are the potential benefits of each phase:

Requirements gathering: ChatGPT can significantly simplify the requirements gathering phase by building quick prototypes of complex applications. It also can minimize the risks of miscommunication in the process since the analyst and customer can align on the prototype before proceeding to the build phase

Design: DALL-E, another deep learning model developed by OpenAI to generate digital images from natural language descriptions, can contribute to the design of applications. In addition to providing user interface (UI) templates for common use cases, it also may eventually be deployed to ensure that the design of a given application meets regulatory criteria such as accessibility

Build: ChatGPT has the capability to generate code in different languages. It could be used to supplement developers by writing small components of code, thus enhancing the productivity of developers and software quality. It even can enable citizen developers to write code without the knowledge of programming language

Test: ChatGPT has a major role in the testing phase. It can be used to generate various test cases and to test the application just by giving prompts in natural language. It can be leveraged to fix any vulnerabilities that could be identified through processes such as Dynamic Code Analysis (DCA) and perform chaos testing to simulate worst-case scenarios to test the integrity of the application in a faster and cost-effective way.

Maintenance: ChatGPT can significantly improve First Contact Resolution (FCR) by helping clients with basic queries. In the process, it ensures that issue resolution times are significantly reduced while also freeing up service personnel to focus their attention selectively on more complex cases.

While ChatGPT has an important role to play in automating more cognitive tasks in the SDLC, users must be aware that security and privacy concerns with the current version still need to be properly addressed.

Now let’s cover a few issues with the tool.

 Five possible roadblocks to ChatGPT adoption

  • Privacy and security – Privacy and security are concerns with the current tool. As it learns from each query, keying in any sensitive data would have drastic repercussions on enterprises. Amazon has reportedly warned employees to not put confidential data on ChatGPT, fearing security concerns
  • Limited knowledge – ChatGPT currently is not connected to the internet and has limited knowledge of the world and events after 2021, meaning the code it generates will not be in line with the latest security patches
  • Potential Bias – While OpenAI has added guardrails against bias in responses, users can occasionally get around this by rephrasing their questions or asking the program to ignore its guardrails
  • Inaccurate responses – ChatGPT responds to queries based on the patterns it learned from the training dataset and also can generate fictitious responses that cannot be verified for accuracy. Although the tool is still evolving, inaccuracy in responses can be a major hindrance to its adoption
  • Energy Consumption – As an advanced AI-based tool, ChatGPT takes a huge amount of computing power to process the information, leading to high energy consumption and carbon emissions. With environmental, social, and governance (ESG) becoming a key mandate across geographies, enterprises may be apprehensive about large-scale adoption

The way forward

ChatGPT is seeing rampant adoption among the developer community, and as it gains further traction, enterprises need to ensure suitable governance models are in place. Service providers need to collaborate with tech players like OpenAI and DeepMind to proactively shape the market and build capabilities for efficient application development.

As details unfold on how this technology will revolutionize the application development process, enterprises and service providers need to closely monitor this space and make proactive investments – clearly, the cost of missing out is too great.

For our other recent blogs on how ChatGPT will impact various industry sectors, see Can BFSI Benefit from an Intelligent Conversation Friend in the Long Term and ChatGPT Trends – A Bot’s Perspective on How the Promising Technology will Impact BPS.

We’ll investigate the implications of ChatGPT for the technology services industry in more detail in a follow-up blog.

To discuss how ChatGPT will impact the application development process, please reach out to [email protected], [email protected], or [email protected].

IMC 2022 Highlights: India Mobile Conference Focuses on 5G Business Opportunities | Blog

With the launch of 5G in India last month, the 2022 Indian Mobile Congress (IMC) demonstrated many exciting possibilities for the high-speed network to deliver innovative use cases in India. Beyond the technology benefits, 5G can be leveraged to solve efficiency and optimization challenges and enable future growth for enterprises. To learn more about 5G business opportunities, read on.  

India embarked on its “new digital universe” with the official unveiling of 5G technology by Prime Minister Narendra Modi at the sixth edition of the Indian Mobile Congress (IMC), Oct. 1-4 in Pragati Maidan in New Delhi. In this blog, we share some of our key takeaways from the event organized by the Cellular Operators Association of India (COAI) and India’s Department of Telecommunications (DoT).

The evolution of connectivity technologies with 5G as a platform for boosting productivity and innovation was among the key themes that emerged from this India mobile conference that drew an enthusiastic response from technology service and infrastructure providers, manufacturers, industry and government officials, academia, and the public.

Shifting narrative: from explaining technology to showcasing possibilities

While the 5G benefits of increased connectivity speed, low latency, and improved reliability are now well known, the India mobile conference highlighted several 5G-enabling technologies. These include carrier integrated 5G network (low- and mid-band); open-source technologies and architectures (O-RAN); network cloudification through Software-Defined Networking (SDN), Network Functions Virtualization (NFV), and Multi-Access Edge Computing (MEC); small cell 5G architecture, private 5G, network slicing, and Fixed Wireless Access (FWA).

An interesting highlight of the event was the increased emphasis on showcasing the applications of 5G. Among the possible use cases spotlighted were massive and critical Internet of Things (IoT), machine-to-machine communication, collaborative robotics, autonomous driving, vehicle edge computing, metaverse and Augmented Reality (AR) powered collaboration, predictive maintenance, remote surgery, real-time analytics and decision making, cloud-based gaming, smart cities solutions, intelligent supply chain and logistics, and smart retail.

With 5G resolving connectivity problems and other building blocks like cloud, Artificial Intelligence and Machine Learning (AI/ML), and IoT now mainstream, enterprises have all the needed elements to optimize and modernize their technology landscape and capture the next wave of growth opportunities.

5G for sustainability: an emerging conversation

While 5G network equipment and components are generally expected to consume more power than the previous generation, recent equipment and software innovations aim to make products as energy efficient as possible.

Some examples of the energy-efficient technology presented at IMC included lightweight massive Multiple-Input Multiple-Output (MIMO) radios and software solutions such as traffic-aware dynamic network management solutions for energy monitoring and management that provide 5G levels of expected network performance while consuming the same amount of energy as the traditional 4G network.

5G also is expected to power the next generation of sustainability applications around Greenhouse Gas (GHG) emissions monitoring and management, optimal resource management, smart transport, and other uses. Its higher bandwidth will make it possible to connect large numbers of IoT devices over the Internet and enable faster decisions through increased connectivity speeds and low latency.

Turning possibilities into practicalities: the need for building a contextualized business case

While 5G offers numerous benefits, from optimization and efficiency to unlocking new growth avenues, the strategic business value needs to be clearly communicated to enterprises.

Currently, the 5G ecosystem is a bit fragmented, with different types of players offering their own strengths. For example, OEMs are focusing on improving the equipment and hardware; communication service providers are focused on increased speed and low latency; and system integrators (SIs) bring data, AI/ML, IoT, and cloud expertise.

To move to the next level, industry players need to combine 5G’s benefits of connectivity, reliability, and low latency with AI/ML, IoT, and cloud to build business use cases that add value to enterprises beyond just showcasing the possibilities.

Ecosystem players need to help enterprises realize that 5G is not only an improved wireless network technology but also a solution to their long-standing efficiency and optimization challenges that can enable their next wave of growth.

To further discuss the India mobile conference and how to capture the most value from 5G business opportunities, please reach out to us at [email protected] and [email protected].

Watch our webinar, What’s Ahead After a Decade of Digital Transformation?, to hear our analysts share perspectives on what’s in store for the digital transformation industry in the next ten years.

Building Web 3.0 Business for Clients: Opportunities for Strategy, Technology, and Consulting Providers | Blog

The next-generation exponential technology of Web 3.0 holds promising opportunities for brand, technology, marketing, and business strategy providers to partner with enterprises in five key service areas. To learn more about the opportunities in this emerging market, read on.  

Multiple consumer and business brands have taken the first steps in experimenting with Web 3.0 business by building non-fungible tokens (NFTs), purchasing virtual lands in metaverse platforms, organizing virtual events, and creating enabling platforms.

But building a Web 3.0 business goes beyond just creating NFTs for a company and requires embracing the concepts of Web 3.0 business, the creator economy, decentralization, social commerce, immersive experience, trust, and sustainability.

As enterprises like Ferrari, Starbucks, JP Morgan, McDonald’s, Samsung, NBA, Walmart, Disney, Google, Nike, Oracle, EY, and Stripe begin to see traction in this space, they will seek to partner with brand, technology, marketing, and business strategy providers who understand this ecosystem to scale initiatives and drive newer ones.

Let’s explore the following five key demand areas where providers can offer their expertise.

Business strategy services: Web 3.0 business needs to be conceptualized and aligned with the enterprise strategy. Beyond that, service partners should also be bold enough to push clients to adopt Web 3.0 business models that may not be entirely related to their existing businesses. This has already started to happen and has blurred the boundaries between industries and company classifications.

Normally enterprises start with building NFT offerings for their brand to engage consumers. NFT design and implementation can create short-term demand and may eventually become a small part of overall Web 3.0 initiatives. Many enterprises use celebrities, while others use crowd contributions, technology, and various other models to build NFTs. Professional service partners need to understand this complex landscape and advise clients accordingly. With an estimated 15,000 Web 3.0 start-ups, making the correct selection is important.

At the beginning of a Web 3.0 journey, clients will seek services tailored to their specific industry, such as an automotive company creating a virtual showroom in metaverse; an apparel company using NFTs to trade for physical goods; a bank building a Web 3.0-enabled payment system; or an energy company incentivizing customers to sustainably consume power with crypto assets. In addition, many clients may want finance, procurement, and Human Resources to leverage Web 3.0 principles. Service providers who support such enterprise functions need to be at the forefront to serve this demand or risk near-term losses.

Architecture and platform services: Recently, leading cloud vendors such as Google and AWS launched blockchain node services. In addition, start-ups are focusing on Web 3.0 infrastructure services to enable out-of-the-box offerings. Start-ups such as InfStones, ChainSafe, and Alchemy collectively raised US$300 million to enhance their blockchain infrastructure offerings.

Service providers need to work with these vendors to build enabling infrastructure for clients’ Web 3.0 journey. Even for seemingly simpler initiatives such as building NFTs, clients have multiple platform decisions to make, such as NFT marketplaces, wallets, and underlying blockchain. Not only do service providers need to understand these complex technologies and work with an extended ecosystem, but these firms also need to be thought partners to guide clients in the right direction and drive initiatives.

In addition, the core offerings for edge, network, and pervasive computing must be delivered. Unlike cloud-based workloads, the Web 3.0 ecosystem will heavily rely on edge processing. Materially high network bandwidth and resiliency will be required. Therefore, ongoing hyper-automated technology operations services will need to be amplified using next-gen observability, resiliency, and predictive maintenance. Service partners will have to focus on the right messaging infrastructure, decide between off/on-chain computing, build digital simulations, and create the underlying Web 3.0 core for their clients, much like they did for cloud services.

Brand and experience services: At the core of Web 3.0 businesses is the experience it can create for end consumers. Branding and experience service providers such as Dentsu and Publicis are already investing in the Web 3.0 ecosystem. Moreover, technology providers such as Adobe and Salesforce have also launched offerings to address this client need. Although “user centricity” has gained pace in recent years, Web 3.0 businesses need to take this even further. Brands such as Adidas have already experimented with token-gated communities and provide exclusive access to assets.

The enabling technologies, platforms, and environments now available to build such experience offerings are powerful but complex. Socially distributed networks, creator platforms, crypto payments, generative Artificial Intelligence (AI), enhanced reality, and various other solutions have the power to create previously unimagined customer experiences. Chief Marketing Officers (CMOs) have to become extremely tech-savvy to explore the potential Web 3.0 business has for their brand strategies.

Software and integration services: Web 3.0 business requires thousands of software to work together. Enterprises will build many of these internally to drive differentiation. However, many back-end software will be SaaS-based and bought through vendors that will need integration. In addition, numerous Application Programming Interfaces (APIs) will be built and purchased that will need to work in unison.

This will not just be the software we see today but will have AI/Machine Learning (ML) and other advanced data technologies as their core. These context-aware software will need to leverage advanced auto-development, auto-tuning, and auto-management concepts to be more efficient and sustainable. Rather than being cloud-first, these software will have to be edge-first and compatible across various hardware, unlike browser-based systems. Building lightweight yet rich workloads will be a complex engineering problem to solve for.

Governance, risk, and cyber security services: The legalities of Web 3.0 businesses are unknown, and clients need significant help from service partners to navigate this complex new pioneer. Enterprises will need assistance deciphering contractual obligations, data privacy, personal identity, cyber security, and interpreting platform terms and conditions.

The recent collapse of crypto exchange FTX is a good example. Some law firms have found the terms and conditions of popular Metaverse platforms extremely one-sided. If these platforms shut down their business, the consumer would lose all their virtual assets. Service partners need to work with clients to help them understand the risks and build recovery solutions. Providers also will need to deliver cyber security, content moderation, trust, and related security and risk services so clients feel secure that customers will trust their Web 3.0 business initiatives.

In addition, given Web 3.0 enabling technologies are under scrutiny for their environmental impact, clients will look for service partners who have sustainability as a primary offering. Environmental sustainability will take near-term priority for such initiatives.

Moreover, massive opportunities will emerge to build technology workloads by adopting Web 3.0 concepts. In the same way clients adopted Web 2.0 social media and digital commerce to enhance their businesses, they will want to adopt business-contextualized Web 3.0 technologies. The key difference is that Web 3.0 will propel enterprises to engage with stakeholders in previously unknown ways, learn about newer architectures and monetization models, and embrace the creator economy – all pushing them beyond what they are now and realizing the art of the possible.

For more on Everest Group’s research in this area, see our reports on the following topics: NFTs, Decentralized Finance, Metaverse, crypto assets, Blockchain, and trust. If you are a brand management, technology, or strategy consulting provider, please reach out to [email protected] to share your experience in building Web 3.0 business for clients.

Start planning for the future of your organization. Join our upcoming webinar, Key Issues for 2023: Rise Above Economic Uncertainty and Succeed.

Robotic Process Automation (RPA) – Technology Provider Landscape with PEAK Matrix® Assessment 2022

Top Robotic Process Automation (RPA) – Technology Providers

The post-pandemic era is repeatedly stress-testing organizations’ abilities to adapt to a volatile world through rising inflation, an economic slowdown, geopolitical tensions, supply chain disruptions, and talent shortages. As corporate executives go back to the drawing board to re-examine their strategic priorities, they are increasingly regarding automation as a strategic initiative to emerge successful amid these uncertainties.

Robotic Process Automation (RPA) has remained a key enabler for enterprise automation. While the overall automation ecosystem is rapidly evolving through new technologies – such as Intelligent Document Processing (IDP), process mining, task mining, API-based automation, process orchestration, and conversational AI – these technologies only strengthen RPA, which continues to be a foundational element of enterprise automation. RPA provides a host of benefits to enterprises, including improved operational efficiency, enhanced customer and employee experience, and a workforce engaged in strategic activities. With Big Tech firms entering the space, RPA has become one of the fastest-growing software markets.

In this report, we study 23 RPA technology providers and position them on Everest Group’s PEAK Matrix®, categorizing them as Leaders, Major Contenders, and Aspirants based on their capabilities and offerings. The research will help buyers select right-fit technology providers for their needs, while technology providers will be able to benchmark themselves against each other.

DOWNLOAD THE FULL REPORT Robotic Process Automation (RPA) – Technology Provider Landscape with PEAK Matrix® Assessment 2022

What is in this PEAK Matrix® Report:

This PEAK Matrix® report examines:

  • Everest Group’s PEAK Matrix® evaluation of RPA technology providers and their categorization into Leaders, Major Contenders, and Aspirants

  • The competitive landscape of the RPA technology provider market

  • Key RPA technology trends

  • Key strengths and limitations of each RPA technology provider

Scope:

  • All industries and geographies

LEARN MORE ABOUT Robotic Process Automation (RPA) – Technology Provider Landscape with PEAK Matrix® Assessment 2022

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What is the PEAK Matrix®?

The PEAK Matrix® provides an objective, data-driven assessment of service and technology providers based on their overall capability and market impact across different global services markets, classifying them into three categories: Leaders, Major Contenders, and Aspirants.

LEARN MORE ABOUT Top Service Providers

How to Clear Up Industry Cloud Confusion and Choose the Right Solution

With so many industry cloud platforms available from different technology players, selecting the right solution for your enterprise is not simple. Learn the important characteristics to look for from providers in this latest blog in our industry cloud series.

As cloud technology matures, industry-specific solutions are emerging as a leading preference over generic options to deliver efficiency, experience, innovation, and business-enabled growth. According to Everest Group’s latest survey, a staggering 87% of enterprises rate industry cloud as one of their top three investment priorities.

The supply landscape is heating up with technology providers leading with an industry cloud-focused go-to-market narrative, investing in multiple offerings for target verticals, initiating industry cloud-dedicated partner launch programs, and announcing large enterprise engagements.

Many technology providers operating in different spaces are approaching this market in their own ways. In our last two blogs on this topic, Demystifying Industry Cloud and The Battle for Supremacy in Industry-specific Cloud Has Begun, we discussed the evolving industry cloud solution provider landscape and go-to-market strategies adopted by key ecosystem players.

Read on for a deep dive into suppliers’ industry cloud offerings and our recommendations to equip enterprises to select the best-suited industry cloud solution for them.

The industry cloud solution marketplace is proliferating

The following three broad categories of industry-specific cloud solutions are emerging in the market:

  • Cloud infrastructure providers such as Microsoft Cloud for Manufacturing, AWS for Health, and Google Cloud for Telecommunications focus on providing an industrialized set of cloud solutions and services tailor-made for specific industries. Industry-specific configurations, interfaces, use cases, and blueprints are embedded into existing functionalities and bundled with partner solutions
  • Enterprise platform providers such as Salesforce Financial Services Cloud, SAP Digital Manufacturing Cloud, and Oracle Retail Cloud embed industry-specific processes, solutions, and frameworks into their horizontal applications and functions to enable industry specificity
  • Business solution providers such as Veeva Systems Life Sciences Cloud, Temenos Banking Cloud, and Guidewire Cloud for Insurance deliver true and heavily nuanced vertical solutions by providing niche industry-specific functionalities covering the breadth and depth of the value chain, targeting industry pain points

Though the objectives appear similar, technology providers take different routes for portfolio development based on their heritage and core strengths and provide varying degrees of industry specificity, adaptability, and improvisation.

For instance, cloud infrastructure providers offer flexible and ecosystem-driven industry cloud, while business solution providers have a more exhaustive use case coverage.

How to select the right industry cloud for your firm?

Enterprises need to make informed decisions when selecting providers of choice and carefully consider their business objectives, existing technology landscape, level of industry-specificity and enterprise-contextualization required, and preferred consumption model (off-the-shelf solution versus customized offerings).

Below, we detail the key characteristics of each solution type to assist enterprises in selection.

  • Industry cloud solutions by cloud infrastructure providers

Cloud infrastructure players provide a basic level of industry-specific functionalities and configurations powered by advanced cloud computing and next-generation technology capabilities in data analytics, Artificial Intelligence and Machine Learning (AI/ML), and the Internet of Things (IoT).

These most benefit existing consumers of cloud infrastructure providers’ technology stack that intend to digitize their platforms and services by co-creating or co-developing solutions with ecosystem players, instead of preferring directly consumable end-to-end industry cloud offerings.

Level of industry-specificity: Low-medium

Degree of customization: High

  • Industry cloud solutions by enterprise platform providers

Enterprise consumers of Customer Relationship Management (CRM), Enterprise Resource Planning (ERP), and other horizontal applications focused on achieving unified customer relationships, and employee experience can leverage industry cloud solutions by these providers.

Enterprise platform providers provide out-of-the-box industry solution workflows, built on core horizontal enterprise platform functionalities consisting of purpose-built functionalities, pre-built data models, and automation and AI/ML capabilities for particular industries.

Their focus is on digitizing vertical systems across the front, middle, and back offices, powered by customer data-related insights and integration between the sales and operations teams. These offerings have a limited level of customization and are usually available as different editions of off-the-shelf offerings.

Level of industry-specificity: Medium

Degree of customization: Medium

  • Industry cloud solutions by business solution providers

Enterprises requiring extensive value chain coverage and high-grade industry-specific cloud solutions that are looking to digitize their industry platforms can consider offerings by business solution providers.

These solutions are delivered in a pre-packaged and composable format. Enterprises can consume these solutions and services in a modular form and augment functionalities by developing vertical-specific solutions and services on top of these platforms.

Level of industry-specificity: High

Degree of customization: Low

  • Interdependence of technology providers and the role of System Integrators (SIs)

These providers cannot independently provide end-to-end expertise across all layers of an industry cloud stack – infrastructure and platform layer, application layer, differentiation layer, and customization layer.

While these players bring their own strengths to the table, they rely on each other to fill in the missing pieces.

Both cloud infrastructure players and enterprise platform providers depend on business solution providers for domain expertise and vertical-specific contextualization. Meanwhile, enterprise platform and business solution providers rely on cloud infrastructure providers for underlying compute and next-generation technology capabilities.

In this ecosystem-led play, SIs play the key role of ecosystem enablers. For an effective industry cloud implementation, enterprises should engage with SIs for enterprise contextualization, industry knowledge, implementation capabilities, and system integration expertise.

Industry cloud offerings in banking and financial services

To illustrate, we compare different industry cloud solutions in the banking and financial services space by these provider categories below:

Picture1 3

The industry cloud outlook

Though this space is witnessing heightened investments and significant interest among enterprises, the market is still primitive, and the road to success is not straightforward.

To ensure optimum value from industry cloud adoption, enterprises need to clearly define their industry-specific cloud requirements, identify target use cases, choose the appropriate sourcing strategy, analyze available solutions, align the partner ecosystem, factor in technology-related dependencies, and consider industry-specific compliance regulations.

To share your thoughts and discuss industry cloud, contact [email protected] and [email protected].

Also, learn how enterprises can measure the value of cloud and how to unlock its full potential to maximize efficiency in our webinar, How to Unlock the Full Value of Cloud.

3 Tips for Managing Perpetual Change from Software-defined Operating Platforms

Over the past seven years, almost all large companies made substantial progress in implementing digital transformation across a wide variety of functions. At the core of those enormous investments and efforts was building software-defined operating platforms, which put companies on a trajectory to fundamentally change how they operate their business. However, studies show many companies (70%) failed or underperformed against their digital transformation objectives. In this blog, I’ll discuss three tips for how to avoid that outcome and, instead, reap the significant benefits of software-defined operating platforms.

Read on in Forbes

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