The transition from magnetic stripe to chip is gathering momentum worldwide and the payments landscape is being dramatically reshaped as a result.

They say it takes money to make money. Perhaps the clich'e should change for the IT industry to read: "You have to spend time to save money."

Before investing in a contact centre, a company must consider the real business value-add as well as its future requirements.

The Web is the way forward for e-billing because it offers a wide range of interaction options.

Here`s wishing that 2003 will see a change of attitude and an end to all the hype in the customer management domain.

Three factors driving the marketplace today are security, mobility and convenience. This is where smart cards come in. They really respond to the `anytime, anywhere` requirement and provide optimal extra security.

CIOs today have new responsibilities that will challenge and stretch them beyond their current capabilities.

When the phrase "content management" is mentioned in most boardrooms, it conjures up images of past glories of bygone dot-com days. However, this image is incorrect and potentially dangerous for organisations.

The Enron and WorldCom debacles rocked the core of the capitalism system but gave rise to a need to rethink business objectives.

A security policy outlines best practices and educates employees so that they can contribute to a safe work environment.

It`s a jungle out there: you`ll need to be careful on the content management path, as there is rich camouflage to trap unwary executives.

Companies looking to cut costs and reduce pressure on budgets are likely to target such areas as CRM which are viewed as discretionary. However, in many cases this would be a counter-productive, even destructive action.