Strategic Role Of Information Systems Information Technology Essay

Strategic Role Of Information Systems Information Technology Essay The CIMB Bank Cloud Computing Strategic Direction Paper describes the whole of MSF Sales Force policy position on cloud computing. The strategy will states that the MSF Sales Division can choose a cloud-based service if it show clearly and deliberately value for money, fitness for purpose and are adequately secure; provides guidance for MSF Sales Force on what cloud computing is; and some of the issues and benefits of cloud computing that MSF Sales Force need to be aware of. Our investigation focused on three areas such as IT infrastructure and related problems, business processes and Environmental issues. Result of our analysis has lead to several recommendations. The paper recognises that the public cloud is still undergoing a gradual change, particularly in areas such as security and privacy. These issues need to be adequately resolved before critical MSF Sales Division can be transitioned to the cloud. As a result, the paper outlines three streams of work: Stream One provides the sales division with guidance and documentation. Stream Two encourages sales division to adopt public cloud services for public facing unclassified government services and to undertake proof of concept studies to fully understand the risks of the cloud environment. Stream Three encourages a strategic approach to cloud. This work is dependent upon greater clarity around projects commissioned under the Data Centre Strategy. 1. INTRODUCTION CIMB Group is the leading Asean Universal banking franchise, offering full range of financial products and services covering consumer banking, corporate and investment banking, Islamic banking, assets management, wealth management, insurance and Takaful and private banking. However, we are writing report based on one of CIMB Bank sales division known as Mobile Sales Force. Mobile Sales Force or more known as MSF is the largest sales channel in CIMB Bank. Comprising more than 2,000 staffs, promoting and distributing CIMB Bank key products such as mortgage loan for private and corporate, personal loan for government sector and credit cards. MSF was established backed in 2006 with the vision to be the best-in-class sales organization with a passion for exceeding expectation. Prior approval and consent from MSF head of department had been obtained in conducting research. CIMB GROUP PROFILE CIMB Group is ASEANs leading universal banking franchise. We offer a full range of financial products and services covering consumer banking, corporate and investment banking, Islamic banking, asset management, wealth management, insurance and takaful, and private banking. With over 37,000 employees, CIMB Group reaches 81% of the ASEAN population, representing 89% of the regions gross domestic product. Our retail network of over 1,000 branches is the widest in the region. Headquartered in Kuala Lumpur, CIMB Groups main markets are Malaysia, Indonesia, Singapore, Thailand and Cambodia. Our presence in 13 countries covers ASEAN and major global financial centres, as well as countries in which our customers have significant business and investment dealings. In addition, we extend our reach and range of products and services through strategic partnerships. Our partners include the Principal Financial Group, Aviva plc, Bank of Tokyo-Mitsubishi UFJ, Standard Bank plc, Daishin Securities and the Kanoo Group, among others. CIMB GROUP As the leading ASEAN universal banking franchise, CIMB Group offers a full range of financial products and services covering consumer banking, corporate and investment banking, Islamic banking, asset management, wealth management, insurance and takaful, and private banking. We operate our businesses on a dual banking leverage model, giving customers a choice of both conventional and Islamic financial solutions. Our main markets in which we offer full universal banking facilities are Malaysia, Indonesia, Singapore and Thailand. We also have a presence in other countries where our customers have significant business and investment dealings. CIMB BANK Our Consumer Banking business offers a full range of conventional and Islamic financial products and services to meet the borrowing and financing, wealth management and transaction needs of our individual customers and businesses. Our spectrum of banking services include credit cards, mortgages, auto loans and financing, commercial banking services for Small Medium Enterprises and mid-sized corporate customers, insurance and takaful, investment and wealth management services. We have an extensive retail network across the region in Malaysia, Indonesia, Thailand, Singapore and Cambodia that serves over 11 million customers The rest of this report is as follows : Section 2 : IT Infrastructure and Ecosystem. Explained the IT infrastructure and Ecosystem of the organisation. Section 3 : Cloud computing and its business benefits. Provided cloud computing and its benefits and costs. Section 4 : Recommendation of cloud computing adoption/adaption. Recommended a suitable cloud that MSF could adopt. Section 5: Conclusions. Summarises the key points from the analysis and provided recommendation 2. IT INFRASTRUCTURE AND ECOSYSTEM CIMB IT infrastructure today consist of seven major components that must be coordinated to provide the division with a coherent IT infrastructure and the major vendors within each category INTERNET PLATFORMS Microsoft, Unix, Java DATA MANAGEMENT STORAGE IBM, DB2, Oracle, SQL Server, Sybase COMPUTER HARDWAREPLATFORMS Dell, HP IT INFRASTRUCTURE CONSULTANT SYSTEM INTEGRATOR IBM, EDS, Accenture ECOSYSTEM OPERATING SYSTEM PLATFORMS Microsoft Window NETWORKING TELECOM-MUNICATION Microsoft Window Server, Linux ENTERPRISE SOFTWARE PLATFORMS Oracle, Microsoft CIMB CORPORATE NETWORK INFRASTRUCTURE: Issues and Challenges Securing Information System MSF are faced with challenges of data and information security. We need to have users security procedures guidelines. At the moment, there is no such policy guidelines. As MSF is a firm providing financial services, MSF must comply with the Financial Services Modernization Act of 1999, better known as the Gramm-Leach Billey Act (Laudon, KC Laudon, JP 2010, pg 337) Malicious Software Malware (Laudon, KC Laudon, JP 2010, pg 328) will be another hurdle for implementation of cloud computing as there is no IT department within MSF. All IT issues and problems will have to be refer to CIMB Group IT. This will cause time, delaying as the problem cannot be solve in-house and need to wait for IT department action. MSF will have no control as to when CIMB Group IT will react to the reported problem. Absent of Transaction Processing Systems MSF did not have TPS a systems that keep track of the elementary activities of the organisation such as sales for all products such as personal and enterprise mortgages, personal loans and credit cards, customers information like age, annual income, employee, and credit decisions like common rejection reason and best customer profile. (Laudon, KC Laudon, JP 2010, pg 75) Decision Support Systems (DCS) Executive Support Systems (ESS) Due to absent of TPS no proper management information systems (MIS) to enable DCS ESS DCS is useful in providing support non-routine decision making for middle management and ESS for senior management (Laudon, KC Laudon, JP 2010, pg 78 81) Data management Systems (DBMS) As MSF have multiple products, all data given will be in different formats and all users will have their own preferred format of reporting thus creating double work when each product user need to extract and reformat the data into meaningful information. (Laudon, KC Laudon, JP 2010, pg 240) Establishing an information policy Although there are numerous CIMB Banking Acts like, Banking Financial Institute Act1989 (BAFIA) section 97 secrecy, Bank Negara Malaysia (BNM) GP7 confidentiality, CIMB Group Code of Ethics governing the information policy, there is still a need for drafting information policy for MSF sales division. More specific guidelines, rules and penalties in controlling MSF information policy for sharing, disseminating, acquiring, standardising, classifying and inventorying information systems are needed. (Laudon, KC Laudon, JP 2010, pg 259) 3. CLOUD COMPUTING AND ITS BUSINESS BENEFITS AND COSTS Cloud computing represent a sea of change in the way the computing performed by corporations as business computing shifts out of private data centers into `the cloud (Carr, 2008). For a huge company and having a complex proprietary systems supporting unique business process, we are mostly likely to have a hybrid computing model where firms will use their own infrastructure for the essential core activities and adopt a cloud computing for a less critical systems. 3.1 Benefits of Cloud Computing Reduced cost Cloud technology is paid incrementally, saving organizations money. The organization is able to plan the needed expenses more wisely. By cloud computing the cost is proportion to the requirement. Increased Storage Organizations can store more data than on private computer systems. Highly Automated No longer do IT personnel need to worry about keeping software up date and backup. Cloud computing will automatically do the update and backup the system giving the organization more time to do business than fixing the problems on its own. Flexibility Cloud computing offers much more flexibility than past computing methods. More Mobility Employees can access information wherever they are, rather than having to remain at their desks from morning till evening which is tiring and sometimes a boring job. The cloud made the business go mobile. Allows IT to Shift Focus No longer having to worry about constant server updates and other computing issues, organizations will be free to concentrate on innovation and research and development. This help business and product growth in the long run. 3.2 Cost of Cloud Computing Today, many large firms are burden with redundant, incompatible hardware and software because departments and divisions have been allowed to order and purchase their own technology. This make the cost of owning technology assets are relatively high. The cloud concept is paying what you use and no minimum fee required. The users are paying either on a monthly subscription fees or per transaction basis which are composed of the following mandatory components:. Management Interface at $6.25 per month Platform creation cost Application template Release Low usage (one time fee) Average Usage (one time fee) Frequent Usage (one time fee) SAP ERP 6.0 Eh P4 $29 $179 $679 SAP Enterprise Portal 7.0 Eh P1 $19 $169 $669 SAP Solution Manager 7.0 Eh P1 $49 $199 $699 SAP Business Intelligence 7.0 (BI Cont 7.05) $39 $189 $689 SAP Ides CRM 7.0 $39 $189 $689 Computing infrastructure cost This cost will only be charged when you operate your platform. Operational support and the used computing infrastructure as cpu, memory, a static network address and network traffic are included. Configuration Set CPU Memory Low Usage (per hour) Average Usage (per hour) Frequent Usage (per hour) 1-5 users 4 core 8 GB $1.99 $1.68 $1.49 6-10 users 4 core 12 GB $2.68 $2.37 $2.18 11-15 users 4 core 16 GB $3.37 $3.06 $2.87 16-25 users 8 core 18 Gb $3.98 $3.67 $3.48 4. RECOMMENDATIONS OF CLOUD COMPUTING (briefly described cloud computing recommendations) 4.1 4.2 4.3 4.4 4.5 4.6 4.7 4.8 4.9 5. CONCLUSIONS The following summarises the findings and recommendations as outlined below. 5.1 Summary of key findings The Study leads to the conclusion that cloud computing has the potential to transform IT, not necessarily through its impact on an agencys core business systems, but through commoditizing routine services such as e-mail, web servers, and data storage. Cloud computing can also easily deliver services that are common across government, such as accounting, procurement, and collaboration tools. If CIOs can increase their reliance on commodity computing, they will then have more time and resources to focus on the strategic management of ITand provide leadership and value for their agencies. We hope that this timely and informative report will be useful to profes ­sionals and executives across government who are seeking innovative approaches in order to leverage the new technology of cloud computing in their effort to reform and improve ITprograms and the delivery of services to both government itself and to citizens. 5.2 Recommendations 5.3. Limitation of Studies LIST OF REFERENCES Department of Finance and Deregulation 2011,  Cloud computing strategic direction paper: opportunities and applicability for use by the Australian Government  , viewed 5 April 2011, . Mell P Grance T 2011, The NIST definition of cloud computing (draft) , viewed 19 March 2011, . Wyld, DC 2009, Moving to the cloud: an introduction to cloud computing in government , viewed 19 March 2011, . Laudon, KC Laudon, JP 2010, Management information systems: managing the digital firm, 11th edition. Cirrus cloud computing : Price list, viewed on 30 April 2011 APPENDICES Appendix 1: Journal Appendix 2: Cost and Benefits Appendix 3: Cloud Computing Benefits Appendix 4: Problems With Data Centre Power Consumption Appendix 5 : Power Consumption For Each Computer Appendix 1: Journal (390 words) Thomas 24 March, 2011 Thursday: Conducted informal interview (9:30am) with Sim, Customer Service Engineer. Obtained basic information of MSF IT infratructure Thomas 03 April, 2011 Sunday: Visited report writing presentation by Adrian Stagg Lindy Kimmins (11:00pm) Thomas 03 April, 2011 Sunday: Seek permission from MSF Head (10:30pm), Mr. Daniel Cheong on selecting MSF Department for assignment 4 Thomas 04 April, Monday: Approval obtained by Mr. Daniel Cheong at 12:06am Thomas Janet 04 April, 2011 Monday: Both of us arranged to communicate through phone and email as we are from different parts of the country after office hours at 7.30pm. We discussed briefly on which of the organization intended to work on to our assignment report. In the end, after much discussion we decided to select either one of our company which we are currently employed for our assignment report after which we have discussed with our relevant IT department in our next meeting. Thomas Janet 04 April, 2011 Monday: We communicate again at 8.30pm. After much exchange informations of our survey on our IT department, we decided to select company, CIMB Bank Bhd as the organization to work on for our assignment report due to the good support from his company IT personnel. Next we discussed about the plan on how to complete our assignment through allocation of jobs. As we have selected my company to work on for our assignment report, Thomas 05 April, 2011 Tuesday: I log into CIMB Group website www.cimb.com/index.php?tpt=cimb_group and started my introduction part of my report (11:00am) Janet 06th April, 2011 Wednesday: I visited a few website : www.finance.gov.au/e-government/strategy-and-governance/cloud-computing.htm,    www.isaca.org/Knowledge-Center/Research/Documents/Cloud-Computing-28Oct09-Research.pdf  and www.startupbizhub.com/business-benefits-of-cloud-computing.htm which give me some information on opportunities of adoption by the Australia Government Thomas 08 April, 2011 Saturday: Sent email (8:30pm) to MSF Head personal assistance, requesting for MSF organisation chart, MSF IT infrastructure Eco system Janet 11 April, 2011 Monday: Visited the Australia Department of Finance and Deregulation 2011 again and started to complete the Executive Summary for our assignment. Thomas 16 April, 2011 Saturday: Visited USQ study desk for assignment 4 resources (9:00pm) http://usqstudydesk.usq.edu.au/mod/resource/view.php?inpopup=trueid=391393 Visited Wikipedia for pseudonym http://en.wikipedia.org/wiki/Pseudonym (9:20pm) Reading assignment 4 mock up report (10:00pm) Reading CIMB Group Rules for Business Conduct (11:00pm) Janet 25 April, 2011 Monday: Compute the company IT Infrastructure Ecosystem diagram provided by Loudon Loudon 11e (page 203) and visited http://www.intek.net/a/images/netdesign.gif for fictitious diagram on corporate network infrastructure Janet 30 April, 2011 Saturday: Compute the cloud computing benefits and it cost Thomas 09 May, 2011 Monday: Checking and resizing fonts size for assignment paper (12:00pm) Browse CIMB Group website http://www.cimb.com/index.php?ch=g2_aupg=g2_au_leadercat=bodtpt=cimb_group for CIMB Group CEO profile. Browese USQ website http://usqstudydesk.usq.edu.au/mod/resource/view.php?inpopup=trueid=409613 for plagiarism check Appendix 2 : Cost and Benefits: Appendix 3 Organisation Chart of CSD Sales Channel Appendix 4 : Organisation Chart of Mobile Sales Force

Marriage and Taxes Essay

Marriage and Taxes Introduction: Bill and Mary plan to marry in December of 2012. Bill’s salary is $32,000 and he owns a residence. His itemized deductions total $12,000. Mary’s salary is $39,000. Her itemized deductions total only $1,600 as she does not own a residence. Assume that 2013 tax rates, exemptions, and standard deductions are the same as 2012. Task(s): Answer the following questions: a. What will their tax be if they marry before year-end and file a joint return? The file joint of returns will be $12,000. b. What will their combined taxes be for the year if they delay the marriage until 2013? The combined taxes will be $13,600 if they delay the marriage. $12,000 + 1,600 = 13,600. c. What factors contribute to the difference in taxes? Some of the factors that can result a difference in the taxes would be based on your itemized deductions. Examples a itemized deductions are mortgages that you own, have done any charitable donations, medical expenses, Long-term care services, and relocating for new employment. For a marriage case they can us the marriage penalty, Examples of a marriage penalty: (1) Both of the earns $80,000 a year mas two single individuals, the marginal tax rate will be 25% However, if you are a married couple, the marginal tax rate on a $160,000 annual income is 28%. 2) If you are married you are allowed to write off a total of $3,000 in losses, if filing separately, each only has a $1,500 limit; whereas two single individuals can write off a total of $6,000. (3) When it comes to IRA contributions, they are phased out at income levels between $178,000 – $188,000 for married couples versus a range of $112,000 – $127,000 for single taxpayers. Ingenuity. Empathetic.

Business Practice Argumentative Essay Topics Options

Business Practice Argumentative Essay Topics Options Moral argumentative essay topics are a few of the simplest to get carried away with. Essays could be lightly modified for readability or to defend the anonymity of contributors, but we don't edit essay examples ahead of publication. In general, you can observe that writing a persuasive essay isn't a brain surgery. An argumentative essay requires you to choose a topic and have a position on it. Ultimately, research intensely and discover out the topics where you believe that you may discover the most sufficient data and brainstorm a list of topics. You should utilize APA reference tools to help in writing your essay the right way or employ an expert essay writer that could write the essay working with the APA reference tools. There are a few particular elements that are necessary in an argumentative essay. Thus, it's important to read corresponding formatting guide. Deciding on your topic isn't that easy. As a result, if you're extremely passionate about the subject and can't assess it objectively, think about switching it. Quite frequently, the very best topic is one which you truly care about, but you also will need to get ready to research it. Selecting an emotional topic is also a great idea. Merely mentioning the similarities and differences isn't enough if one cannot analyze the principal ideas. You don't need to acquire super technical with legal argumentative essays, but make sure you do your homework on what the recent laws about your preferred topic actually say. It might be necessary to liaise with other people to recognize the good compare and contrast essay topics. English language classes usually want a lot of writing. What Business Practice Argumentative Essay Topics Is - and What it Is Not Innovations in businesses should be cautiously thought out since they don't only make positive modifications but also carry an assortment of risks. They offer a number of elements highly important to a country's economy such as employment, productivity and a form of financial security. They thrive when they are able to provide a product people want. Whenever you opt to ask us for skilled help, don't hesitate to speak to our support managers. Hospital administrators will need to develop strong relationships with schools that provide healthcare-related degrees in their regional communities and across the country. If you can't cope with them yourself, you always have the option to submit an application for assistance. Healthcare Administrator research papers note that considering the part of healthcare administration staff within the bigger context of the hospital, it's clear there are lots of issues that administrators will need to deal with. Who Else Wants to Learn About Business Practice Argumentative Essay Topics? There are scores of interesting small business topics for research paper writing. It's important to understand that essay topics are just basic ideas that leave you pondering an idea that might be a huge deal to somebody else. If you select the incorrect subject, you might get stuck with your writing and have a difficult time moving forward. Picking the most suitable topic for a persuasive speech is occasionally not such an easy matter to do as it might appear. There isn't any question that hard work is imperative to be effective in life. Pay close attention to all things electronic, and you will be certain to find something debatable of what you see. When you're picking your topic, bear in mind that it's much simpler to write about something which you currently have interest ineven in case you don't know a great deal about it. It is preferable to search online because it will save yourself a plenty of time. Finding the most suitable arguments will allow you to prove your point and win. Incredible piles of homework make it practically not possible for students not hoping to discover an assistance and to purchase superior essay papers. Be sure to spell out in what way the answers to the questions would help to rate the conclusion. One of the most usual strategies to discover the topic for discussion is to search for the present problem. Normally, having three significant arguments to demonstrate your point is sufficient for a convincing paper. The mutual interest of each side of the argument is an important element for developing a strong persuasive paper. The variety of body paragraphs will mostly rely on the period of your paper. When you are requested to pick a great topic for your argument, start with something you're acquainted with.

Attention Deficit Hyper Disorder ( Adhd ) Essay - 1410 Words

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