Jamie Warner

Cognitive biases cause people to perceive situations in ways that may differ from reality - in turn, affecting people's judgment and ability to act ethically. Several common biases are often found in the workplace: confirmation bias, status quo bias, halo bias, ethical fading, error blindness, illusion of validity, and bandwagon effect bias. This article discusses these biases and ways insurance professionals, and their organizations, can overcome them.

Big data shows specific promise and initial success around loss prevention and risk resilience. What's more, industry leaders can now leverage such data to best serve their constituents. In considering whether insurers have an ethical responsibility to use big data to help policyholders become more resilient to loss, this article discusses important ethical implications around current opportunities and the necessary paradigm shift.

Volume 14, Issue 2, pages 34–37:
If you are looking to impress with your next purchase of Scotch, Jamie Warner, Olga Dobromyrova, Dana Shay, and Qing Wang suggest you find a bottle with moderate floral notes – but be prepared to spend a little extra cash.

This report, originally written for CIOs, includes content relevant to application development and delivery (AD&D) professionals. With Oracle's strong footprint in the enterprise business apps market, AD&D professionals must be aware of any upcoming shifts in its app commitments and strategies. Oracle's commitment to supporting older applications (e.g., E-Business Suite and PeopleSoft) via its Applications Unlimited program has left customers with little incentive to migrate to the newer Oracle… Show more

This report, originally written for CIOs, includes content relevant to application development and delivery (AD&D) professionals. With Oracle's strong footprint in the enterprise business apps market, AD&D professionals must be aware of any upcoming shifts in its app commitments and strategies. Oracle's commitment to supporting older applications (e.g., E-Business Suite and PeopleSoft) via its Applications Unlimited program has left customers with little incentive to migrate to the newer Oracle Fusion Applications product suite. We believe Oracle is under pressure to drive faster adoption of Oracle Fusion Applications, with the goal of achieving longer term growth in app revenue. AD&D pros therefore need to place a higher priority on their Oracle applications road map. They should carefully weigh the pros and cons of their current Oracle apps situation versus those offered by Oracle Fusion Applications (including Oracle's cloud services), as well as alternative cloud-only products. This research includes the results of a Forrester survey of Oracle customers, which revealed a low interest level in adopting Oracle Fusion Applications and continued confusion about how the newer apps fit in with the rest of Oracle's app portfolio, which is supported by its Applications Unlimited program. Show less

The IT services industry is in the middle of a fundamental transformation of who it sells to, what services it sells, and how it delivers those services. Upstart vendors specializing in new technologies like predictive analytics, big data, and mobile are going around IT departments and incumbent suppliers by selling to business decision-makers. Meanwhile, IT is consolidating its mix of providers in traditional service areas like applications outsourcing to wring out volume discounts from… Show more

The IT services industry is in the middle of a fundamental transformation of who it sells to, what services it sells, and how it delivers those services. Upstart vendors specializing in new technologies like predictive analytics, big data, and mobile are going around IT departments and incumbent suppliers by selling to business decision-makers. Meanwhile, IT is consolidating its mix of providers in traditional service areas like applications outsourcing to wring out volume discounts from surviving vendors. In this document, we outline the key changes on both the demand side and supply side of IT services and highlight how CIOs can best prepare their organizations for these changes. Show less

Oracle faces a strategic dilemma, and how it responds to this dilemma will present the CIOs at its clients with some tough choices. Oracle Fusion Applications — Oracle's new generation of enterprise applications, as well as the focus of much Oracle innovation and development — have had low levels of adoption by existing Oracle customers, in part, because Oracle's Applications Unlimited policy has provided them with little incentive to migrate. Oracle's organic revenue growth has slowed over the… Show more

Oracle faces a strategic dilemma, and how it responds to this dilemma will present the CIOs at its clients with some tough choices. Oracle Fusion Applications — Oracle's new generation of enterprise applications, as well as the focus of much Oracle innovation and development — have had low levels of adoption by existing Oracle customers, in part, because Oracle's Applications Unlimited policy has provided them with little incentive to migrate. Oracle's organic revenue growth has slowed over the past year or so as its existing products age, and it has needed acquisitions of leading software-as-a-service (SaaS) vendors like RightNow Technologies and Taleo to bolster its app revenues. Oracle has not wavered in its commitment to continue to support existing applications customers indefinitely; however, the company is clearly now more aggressive in promoting Oracle Fusion Applications and cloud deployment models (including private cloud and SaaS) to its customers. This report examines the Applications Unlimited versus Oracle Fusion Applications quandary Oracle faces, framed by the results of a Forrester survey of Oracle customers and Oracle's recent financial results. Show less

The 2013 to 2014 period will see a different pattern of tech market dynamics than what prevailed in 2012, forcing CIOs and business tech buyers to adjust their spending plans to take advantage of new areas of growing or weakening tech demand. Overall, after a period of slow tech market growth in 2012, tech buying will steadily improve in 2013 and 2014, led by the US. The European tech market will remain depressed for most of 2013 before starting to improve as 2014 nears. The Asia Pacific tech… Show more

The 2013 to 2014 period will see a different pattern of tech market dynamics than what prevailed in 2012, forcing CIOs and business tech buyers to adjust their spending plans to take advantage of new areas of growing or weakening tech demand. Overall, after a period of slow tech market growth in 2012, tech buying will steadily improve in 2013 and 2014, led by the US. The European tech market will remain depressed for most of 2013 before starting to improve as 2014 nears. The Asia Pacific tech market will hold steady as Japan slumps after its post-disaster pickup in 2012, while China follows the opposite path, rising in 2013 and 2014 after a 2012 slowdown. But it will be US tech buyers who will make the biggest adjustment, stepping up their tech spending as an improving US economy combines with strong demand for new mobile, cloud, and smart technologies to accelerate growth in the US tech market. Show less

This report examines how and why bring-your-own-technology (BYOT) varies across 20 industries. BYOT will remain a thorny issue for CIOs in every industry, geographic region, and company size over the next five years, but adoption will vary by industry. We identify the BYOT adoption trends that CIOs must consider in the context of rapid tech evolution, a changing vendor landscape, and the entrance of new devices like tablets and frame computers onto the enterprise scene. Many employees are… Show more

This report examines how and why bring-your-own-technology (BYOT) varies across 20 industries. BYOT will remain a thorny issue for CIOs in every industry, geographic region, and company size over the next five years, but adoption will vary by industry. We identify the BYOT adoption trends that CIOs must consider in the context of rapid tech evolution, a changing vendor landscape, and the entrance of new devices like tablets and frame computers onto the enterprise scene. Many employees are galloping toward a future in which they call the shots about which hardware, software, and services to use, while management remains concerned about security requirements. This creates tension between BYOT adoption and workforce mobility on the one hand and security issues on the other. Industries with many untethered workers will accelerate BYOT to address customer engagement and job satisfaction, while other industries will move slowly because of real and perceived security concerns. BYOT will not happen in a vacuum; instead, CIOs will align BYOT, mobility, and security with their engagement strategies and new business models. Show less

The spreading bring-your-own-device (BYOD) phenomenon has created a more complex landscape of tech buying. But traditional divisions between consumer tech purchases and business tech purchases still matter to vendors (they need to know who to market to) and to CIOs (they need to know what technology to pay for and support). To bring order to the confusion, Forrester has developed a model for dividing tech purchases based on who chooses, who pays, who uses, and how technology is used. To show… Show more

The spreading bring-your-own-device (BYOD) phenomenon has created a more complex landscape of tech buying. But traditional divisions between consumer tech purchases and business tech purchases still matter to vendors (they need to know who to market to) and to CIOs (they need to know what technology to pay for and support). To bring order to the confusion, Forrester has developed a model for dividing tech purchases based on who chooses, who pays, who uses, and how technology is used. To show how the model works, we have estimated the distribution of Apple iPads in use in 2012 among the various scenarios and found that US business and governments directly purchased 18% of Apple iPads in the US. However, subtracting iPads bought by business but provided to consumer customers and adding iPad purchases made by employees as consumers but reimbursed by their corporate employers, we estimate that businesses and governments ended up paying for 21% of the iPads in use in the US. Show less

This report details Forrester's projections of tech market growth in the US. We have reduced our forecast for 2012 growth in the US tech market from our April projections of 7.5% for total US business and government spending on information and communication technologies and IT staff to our current forecast of 4.9%, with a similar downgrade for 2013 prospects. One reason is the domestic economic outlook, which has been less positive than we expected due to worries about Europe, US federal budget… Show more

This report details Forrester's projections of tech market growth in the US. We have reduced our forecast for 2012 growth in the US tech market from our April projections of 7.5% for total US business and government spending on information and communication technologies and IT staff to our current forecast of 4.9%, with a similar downgrade for 2013 prospects. One reason is the domestic economic outlook, which has been less positive than we expected due to worries about Europe, US federal budget policies, and slowing growth in emerging markets. A second reason is downward revisions to the historic data on tech investment, which challenge our long-held thesis that new technologies are driving faster tech market growth. Despite our reduced forecast, we still expect business and government spending on these new technologies of cloud computing, smart computing, and mobility will grow significantly faster than our overall forecast for the tech market. Show less

Business process transformation requires an unprecedented level of collaboration among business owners, process teams, and IT, three groups not accustomed to working together. IT usually limits participation to technical topics or doesn't get involved at all. Process teams lean toward methodologies for continuous improvement and can be technology phobic. And the business functions? While a small number of visionary execs seek transformation, the more populous but timid ones are content with… Show more

Business process transformation requires an unprecedented level of collaboration among business owners, process teams, and IT, three groups not accustomed to working together. IT usually limits participation to technical topics or doesn't get involved at all. Process teams lean toward methodologies for continuous improvement and can be technology phobic. And the business functions? While a small number of visionary execs seek transformation, the more populous but timid ones are content with incremental or continuous improvement that creates higher quality and greater productivity. As more companies become process-driven, CIOs will play a crucial role in process initiatives. Process transformation programs will fail without a radically new partnership among all three participants. This report identifies three archetypes for the business/IT/process team transformation partnership, provides mini-case studies, and predicts how companies will move from soloist acts to a full jazz orchestra for process transformation. It also outlines how CIOs will use process transformation to advance the enterprise's goals and their own career paths toward greater business engagement and responsibility as chief process officers. Show less

CIOs tracking broader tech market trends to see where their firms stand face a mixed picture, depending on their location. On a global basis, the European recession and weakening economic growth in the US, China, India, and Latin America will take a toll on tech market growth in 2012, leading to a downward revision in our global tech market forecast to 3.6% (from 5.4% in 2011) growth in local currencies. A strengthening US dollar means that tech market growth measured in US dollars will be even… Show more

CIOs tracking broader tech market trends to see where their firms stand face a mixed picture, depending on their location. On a global basis, the European recession and weakening economic growth in the US, China, India, and Latin America will take a toll on tech market growth in 2012, leading to a downward revision in our global tech market forecast to 3.6% (from 5.4% in 2011) growth in local currencies. A strengthening US dollar means that tech market growth measured in US dollars will be even weaker, at 1.3%. But only European firms are facing lower tech buying; elsewhere, we expect firms will grow their 2012 tech purchases — by 2% to 5% in North America and Japan and 7% to 9% in emerging markets. While risks of a worse economic picture exist, we expect economic policy makers will do enough to avoid a global financial crisis and recession, thus keeping tech buying in positive territory and setting the stage for stronger growth in 2013. Show less

Employees that use Internet-connected computing devices for work — info workers — will trample the boundary between work and personal spheres. In this report, we summarize how it came to be that 52% of info workers use three or more devices for work, including personal ones, and mix work and personal tasks and content on 61% of their devices. We size and forecast the size of the info worker population across the globe and describe the benefits and challenges of better serving info workers for… Show more

Employees that use Internet-connected computing devices for work — info workers — will trample the boundary between work and personal spheres. In this report, we summarize how it came to be that 52% of info workers use three or more devices for work, including personal ones, and mix work and personal tasks and content on 61% of their devices. We size and forecast the size of the info worker population across the globe and describe the benefits and challenges of better serving info workers for CIOs and their vendor partners. Show less

Smart process apps are a new category of application software designed to support business activities that are people-intensive, highly variable, loosely structured, and subject to frequent change. This next generation of packaged apps will encapsulate current best practices in these collaborative business processes yet make it possible for the app to reflect continuous improvements in how collaboration can occur. The emergence of smart process apps makes collaborative processes the next… Show more

Smart process apps are a new category of application software designed to support business activities that are people-intensive, highly variable, loosely structured, and subject to frequent change. This next generation of packaged apps will encapsulate current best practices in these collaborative business processes yet make it possible for the app to reflect continuous improvements in how collaboration can occur. The emergence of smart process apps makes collaborative processes the next frontier for software. This report examines the newly emerging market for smart process apps and answers why they matter to CIOs and business leaders. We examine how rapidly the smart process apps market will emerge and grow over the next five years, and in what business segments. Show less

The connected enterprise is becoming a reality. Businesses require access to the best market information regarding customer demand, supplier options, transport and logistics, and sales patterns. They also need to make the existing workforce smarter and more efficient, as well as retain and attract talent. Future business models will rely on flexible supply chains and production processes that enable businesses to apply existing strengths in a fluctuating demand and competitive context… Show more

The connected enterprise is becoming a reality. Businesses require access to the best market information regarding customer demand, supplier options, transport and logistics, and sales patterns. They also need to make the existing workforce smarter and more efficient, as well as retain and attract talent. Future business models will rely on flexible supply chains and production processes that enable businesses to apply existing strengths in a fluctuating demand and competitive context. Mobility, smart connectivity and networking, and cloud-based as-a-service delivery models are the big technology initiatives that CIOs will leverage to deal with social networking, changing user experiences, consumerization, and over-the-top services. This report helps CIOs understand where their peers stand, and what their perceptions and plans are regarding crucial elements of the connected enterprise, including mobile device and application management. This report also highlights technology purchasing strategies and how businesses intend to prepare for the future through smart connectivity and machine-to-machine solutions (M2M) solutions. Show less

Overview of the European ICT Market

This research, based on a multi-regional survey of almost 10,000 information workers, provides insight into a growing trend that will increasingly affect the policies and budgets of CIOs and their business executive counterparts over the next two to three years. The report illuminates the bring-your-own-technology (BYOT) phenomenon, an inexorable shift from centralized procurement and control of IT devices to stewardship of technologies that are largely self-provisioned by employees. Insights… Show more

This research, based on a multi-regional survey of almost 10,000 information workers, provides insight into a growing trend that will increasingly affect the policies and budgets of CIOs and their business executive counterparts over the next two to three years. The report illuminates the bring-your-own-technology (BYOT) phenomenon, an inexorable shift from centralized procurement and control of IT devices to stewardship of technologies that are largely self-provisioned by employees. Insights into which technologies employees choose and buy with personal or corporate funds will help CIOs determine staffing levels and competencies, better allocate corporate IT budgets, and develop new policies and governance. Show less

Forrester's Forrsights Budgets And Priorities Tracker Survey, Q4 2011, provides insight on the 2012 tech buying plans and practices of more than 3,700 IT executives and technology decision-makers at enterprises and small and medium-size businesses (SMBs) in the Americas, Europe, and Asia Pacific. Forrsights clients have access to the full data set; this report provides a summary of the results. Key findings from this report are that IT budgets are on the rise, that mobile and analytics are… Show more

Forrester's Forrsights Budgets And Priorities Tracker Survey, Q4 2011, provides insight on the 2012 tech buying plans and practices of more than 3,700 IT executives and technology decision-makers at enterprises and small and medium-size businesses (SMBs) in the Americas, Europe, and Asia Pacific. Forrsights clients have access to the full data set; this report provides a summary of the results. Key findings from this report are that IT budgets are on the rise, that mobile and analytics are attracting the most IT buying, and that mobile and IT consumerization are changing the relationship of IT to business and employees. These general trends play out differently across geographies and industries. Show less

The US tech market outlook for vendors is looking brighter for 2012 and 2013, with the US tech market projected to grow by 7.5% in 2012 (7.1% including telecommunications services) and even faster in 2013. Software and IT consulting services vendors have the best prospects, with business and government purchases of these categories projected to rise by around 10%. This report breaks down the 2012 to 2013 US tech outlook by specific products and services to show which ones will be growing more… Show more

The US tech market outlook for vendors is looking brighter for 2012 and 2013, with the US tech market projected to grow by 7.5% in 2012 (7.1% including telecommunications services) and even faster in 2013. Software and IT consulting services vendors have the best prospects, with business and government purchases of these categories projected to rise by around 10%. This report breaks down the 2012 to 2013 US tech outlook by specific products and services to show which ones will be growing more rapidly or more slowly. It also provides the US tech outlook by industry, along with trends in US ICT budget benchmarks relative to revenues, to help tech vendors target the biggest and fastest growing vertical industries for their products. Show less

CIOs care about tech market trends for three reasons: 1) to understand how much other firms are spending on information and communications technologies (and where); 2) to determine where they ought to be investing more to keep up with competition; and 3) to be better able to negotiate with vendors by understanding how well they are or aren't doing. With the US tech market projected to grow by 7.5% in 2012 (7.1% including telecommunications services) and even faster in 2013, CIOs should be more… Show more

CIOs care about tech market trends for three reasons: 1) to understand how much other firms are spending on information and communications technologies (and where); 2) to determine where they ought to be investing more to keep up with competition; and 3) to be better able to negotiate with vendors by understanding how well they are or aren't doing. With the US tech market projected to grow by 7.5% in 2012 (7.1% including telecommunications services) and even faster in 2013, CIOs should be more focused on increasing, not cutting, tech budgets. Equally important, CIOs need to know where to spend. This report breaks down the 2012 to 2013 US tech outlook by specific products and services to show which ones are growing rapidly or slowly. It also provides the US tech outlook by industry, along with trends in US information and communications technology (ICT) budget benchmarks relative to revenues. Show less

The utilities industry is going through a massive business transformation based on the digitization and the convergence of energy and information networks. technology enables utilities to collect and process huge amounts of information about their value chain and customers. This enables new, dynamic, customer-centric business processes where energy-related services play an increasingly important role in the business portfolio for utilities companies. To drive this industry transformation… Show more

The utilities industry is going through a massive business transformation based on the digitization and the convergence of energy and information networks. technology enables utilities to collect and process huge amounts of information about their value chain and customers. This enables new, dynamic, customer-centric business processes where energy-related services play an increasingly important role in the business portfolio for utilities companies. To drive this industry transformation, utilities companies are spending more on information and communications technology (ICT) today and in the coming years, and they represent an excellent business opportunity for vendors that understand the challenges utilities companies are facing to streamline their solutions and messaging to support the
industry through this IT driven revolution. Show less

*Note - paper is in Spanish* The purpose of my independent research project is to find out whether the written Corporate Social Responsibility environmental policies of Arauco Forests are actually enacted in the eight region (Bíobío). I have chosen to focus on the VIII region because it has the most forest plantations of any region and is therefore where the effects are most obvious.