The Payment Directive Services (PSD2) regulation in Europe aims to foster innovation and competition among financial institutions across the industry by mandating that banks create APIs for digital banking transactions that can be used by value-added innovative service providers. Additionally, PSD2 aims to prevent customer lock-in by standardizing account switching capabilities, and to streamline payment processing. Read more

As I discussed in my previous blog and earlier, the capability concept is a great help in defining a good business architecture. It is used ever more widely and rightly so. As I mentioned in that blog, the concept itself is rooted in the defense domain, and from there it permeated various other domains. To quote again from the NATO Architecture Framework: “A capability is the ability to achieve a desired effect under specified standards and conditions. […] In NAF, the term is reserved for the specification of an ability to achieve an outcome. In that sense, it is dispositional – i.e. resources may possess a Capability even if they have never manifested that capability.” Read more

Business capabilities are stable building blocks that define what an organization does. They encompass elements such as people, processes and systems that come together to realize specific functions. Due to their relatively lasting nature and the way they consolidate various cross-domain components, capabilities are a very useful tool for facilitating dialogue between stakeholders on the business and IT sides of the organization. Specifically, by managing and planning the way these capabilities and their constituents interact with strategy, with technology components etc. organizations can better navigate the complexity inherent in any large enterprise’s business-IT landscape.   Read more

Planning and executing change is a key capability for organizations in this day and age. However, in order to do this successfully, businesses – especially large ones – must overcome the heavy burden of complexity that generally adds up as the organization scales up its operations. Complexity often means that an enterprise has little visibility into the full range of consequences for any proposed change or investment.   Read more

As the Vice President of Customer Value here at BiZZdesign, it’s my job to work with a great many organizations and identify ways for them to successfully achieve their objectives. This means I deal with big enterprises, small enterprises; companies that have a mature EA practice, or are only just now starting out; from retail to tech, and everything in between. Read more