Cisco Cisco Connected Grid (Account

Cisco Builds on linked Grid Portfolio | killexams.com Real Questions and Pass4sure dumps

SAN JOSE, CA--(Marketwire - Jan 23, 2013) - Cisco ( NASDAQ : CSCO ) these days introduced elevated options to its linked Grid portfolio in line with the Cisco GridBlocks™ structure to help utilities modernize their electrical grid. the brand new portfolio includes the Cisco® Utility Operational community answer, Cisco connected Grid Design Suite, and Cisco Incident Response and group of workers Enablement answer.

These three new solutions assist utilities modernize, control, and enhance regular grid operations, via presenting operational network options for mission-crucial grid monitoring and handle techniques; unified electrical and communications community modeling and design elements for quick and respectable grid implementations; and integrated communique options to improve coordination between box personnel and allow faster carrier restoration. The related Grid method ties into Cisco's broader idea of the web of every thing, connecting individuals, processes, information, and issues.

New connected Grid solutions

Cisco's linked Grid method is to provide an conclusion-to-end, totally comfy and interoperable networking infrastructure for electrical grids that permits utilities to better manipulate energy give and demand, enrich the security and reliability of energy transmission, and optimize operations. by using supplying assorted purposes over a single, intelligent and particularly cozy platform; electric utilities benefit from each lessen total cost of possession in addition to create value from new capabilities and practical integration.

Cisco has more than 250 customers worldwide adopting the GridBlocks™ architecture and related Grid options. These encompass superior metering infrastructure, substation and utility information center deployments in North the united states; as well as large area, substation, and distribution networks in Europe and Asia.

assisting charges:

aiding resources

About Cisco Cisco ( NASDAQ : CSCO ) is the worldwide chief in IT that helps companies seize the alternatives of the following day by way of proving that superb issues can turn up when you connect the in the past unconnected. To gain knowledge of extra about options for utilities, please visit www.cisco.com/go/utilities. For ongoing information, please go to http://thenetwork.cisco.com.

Cisco and the Cisco brand are trademarks or registered trademarks of Cisco and/or its affiliates within the U.S. and different countries. a listing of Cisco's emblems may also be discovered at www.cisco.com/go/trademarks. Third-celebration trademarks mentioned are the property of their respective homeowners. using the observe partner doesn't suggest a partnership relationship between Cisco and every other business.

RSS Feed for Cisco: http://newsroom.cisco.com/rss-feeds  

Hong Kong's CLP Picks Itron And Cisco For sensible Grid Pilot | killexams.com Real Questions and Pass4sure dumps

Cisco : discover the possibility Intelligence Capabilities within the probability Grid API | killexams.com Real Questions and Pass4sure dumps

Cisco threat Grid offers a powerful combination of automatic malware analysis and advanced possibility intelligence. risk Grid is the file evaluation backend of all Cisco advanced hazard options (ATS) items, and is directly usable via a portal account within the cloud deployment or portal entry to a local appliance version. what is much less neatly commonplace, is the availability of a powerful API that offers entry to most possibility Grid capabilities and guidance. This permits you, the customer, to integrate superior analysis capabilities into present SOC tooling and tactics - with minimal building knowledge required.

if you are going to be at Cisco live next week in Barcelona, which you could register for the DevNet workshop i am main. We could be exploring the most basic possibility intelligence capabilities of the API. This forty five minute session requires a beginner stage knowing of Python or an analogous scripting language, and by means of the end of it you could be outfitted to write down scripts that retrieve well timed and valuable possibility intelligence in formats which are able for importation into regular SOC equipment.

if you're no longer able to be a part of me in Barcelona, live tuned to this space for updates about this and identical classes at Cisco live 2018 in Melbourne and Orlando - or take the currently published, self-guided 'Introduction to the Cisco probability Grid API learning Lab.'

here are some further hyperlinks you may additionally locate useful:

probability Grid introduction at Cisco.com :possibility Grid YouTube Playlist - This playlist shows a few points and use situations of Cisco possibility Grid. The subjects are largely about interactive portal use, but stay tuned for more API content material right here as smartly!

threat Grid online API documentation:

Cisco systems Inc. posted this content on 23 January 2018 and is entirely liable for the guidance contained herein.allotted by Public, unedited and unaltered, on 23 January 2018 19:09:03 UTC.

Whilst it is very hard task to choose reliable exam questions / answers resources regarding review, reputation and validity because people get ripoff due to choosing incorrect service. Killexams. com make it certain to provide its clients far better to their resources with respect to exam dumps update and validity. Most of other peoples ripoff report complaint clients come to us for the brain dumps and pass their exams enjoyably and easily. We never compromise on our review, reputation and quality because killexams review, killexams reputation and killexams client self confidence is important to all of us. Specially we manage killexams.com review, killexams.com reputation, killexams.com ripoff report complaint, killexams.com trust, killexams.com validity, killexams.com report and killexams.com scam. If perhaps you see any bogus report posted by our competitor with the name killexams ripoff report complaint internet, killexams.com ripoff report, killexams.com scam, killexams.com complaint or something like this, just keep in mind that there are always bad people damaging reputation of good services due to their benefits. There are a large number of satisfied customers that pass their exams using killexams.com brain dumps, killexams PDF questions, killexams practice questions, killexams exam simulator. Visit Killexams.com, our test questions and sample brain dumps, our exam simulator and you will definitely know that killexams.com is the best brain dumps site.

[OPTIONAL-CONTENTS-2]

[OPTIONAL-CONTENTS-3]

Dont Miss these Cisco 650-128 Dumps
killexams.com pleased with notoriety of helping individuals pass the 650-128 test in their first attempts. Our prosperity rates in the previous two years have been completely great, because of our upbeat clients who are currently ready to help their vocation in the fast track. killexams.com is the main decision among IT experts, particularly the ones who are hoping to scale the progressive system levels quicker in their individual associations.

killexams.com high quality 650-128 exam simulator is very facilitating for our customers for the exam preparation. All important features, topics and definitions are highlighted in brain dumps pdf. Gathering the data in one place is a true time saver and helps you prepare for the IT certification exam within a short time span. The 650-128 exam offers key points. The killexams.com pass4sure dumps helps to memorize the important features or concepts of the 650-128 exam

At killexams.com, we provide thoroughly reviewed Cisco 650-128 training resources which are the best for Passing 650-128 test, and to get certified by Cisco. It is a best choice to accelerate your career as a professional in the Information Technology industry. We are proud of our reputation of helping people pass the 650-128 test in their very first attempts. Our success rates in the past two years have been absolutely impressive, thanks to our happy customers who are now able to boost their career in the fast lane. killexams.com is the number one choice among IT professionals, especially the ones who are looking to climb up the hierarchy levels faster in their respective organizations. Cisco is the industry leader in information technology, and getting certified by them is a guaranteed way to succeed with IT careers. We help you do exactly that with our high quality Cisco 650-128 training materials.

Cisco 650-128 is omnipresent all around the world, and the business and software solutions provided by them are being embraced by almost all the companies. They have helped in driving thousands of companies on the sure-shot path of success. Comprehensive knowledge of Cisco products are required to certify a very important qualification, and the professionals certified by them are highly valued in all organizations.

killexams.com Huge Discount Coupons and Promo Codes are as under;
WC2017 : 60% Discount Coupon for all exams on website
PROF17 : 10% Discount Coupon for Orders greater than $69
DEAL17 : 15% Discount Coupon for Orders greater than $99
OCTSPECIAL : 10% Special Discount Coupon for All Orders

If you are scanning for 650-128 Practice Test containing Real Test Questions, you are at adjust put. We have amassed database of inquiries from Actual Exams with a particular ultimate objective to empower you to plan and pass your exam on the primary endeavor. All readiness materials on the site are Up To Date and certified by our authorities.

killexams.com give latest and updated Practice Test with Actual Exam Questions and Answers for new syllabus of Cisco 650-128 Exam. Practice our Real Questions and Answers to Improve your insight and pass your exam with High Marks. We ensure your accomplishment in the Test Center, covering each one of the purposes of exam and develop your Knowledge of the 650-128 exam. Go with our genuine inquiries.

Our 650-128 Exam PDF contains Complete Pool of Questions and Answers and Brain dumps verified and certified including references and clarifications (where applicable). Our target to accumulate the Questions and Answers isn't just to pass the exam at first endeavor anyway Really Improve Your Knowledge about the 650-128 exam focuses.

650-128 exam Questions and Answers are Printable in High Quality Study Guide that you can download in your Computer or some other device and start setting up your 650-128 exam. Print Complete 650-128 Study Guide, pass on with you when you are at Vacations or Traveling and Enjoy your Exam Prep. You can get to updated 650-128 Exam Q&A from your online record at whatever point.

killexams.com Huge Discount Coupons and Promo Codes are as under;
WC2017: 60% Discount Coupon for all exams on website
PROF17: 10% Discount Coupon for Orders greater than $69
DEAL17: 15% Discount Coupon for Orders greater than $99
OCTSPECIAL: 10% Special Discount Coupon for All Orders


Download your Connected Grid (Account Manager) Knowledge Verification Study Guide in a flash ensuing to buying and Start Preparing Your Exam Prep Right Now!

[OPTIONAL-CONTENTS-4]

[OPTIONAL-CONTENTS-5]

View Complete list of Killexams.com Brain dumps

Connected Grid (Account Manager) Knowledge Verification

The Rise of the Instagram Micro-Influencer: Everything You Need to Know | killexams.com real questions and Pass4sure dumps

There are plenty of ways to get your brand in front of more people on Instagram. Advertisements, hashtags, contests, giveaways…the list goes on and on.

But, there’s one method that seems to reign supreme over all of the others: influencer marketing.

For many people, that term alone inspires visions of Kardashians promoting hair care vitamins or other big-name celebrities not-so-subtly pushing other products they claim to love.

And, it’s true, that is influencer marketing.

But, that perception also tricks many brands into thinking influencer marketing is something that’s only meant for the big brands with the even bigger budgets.

That’s not necessarily the case—particularly with the rise of the Instagram micro-influencer. These influencers with a smaller audience—but a highly-engaged following—make this marketing tactic available to companies of all sizes.

So, what do you need to know about Instagram micro-influencers? We’re rolling up our sleeves and digging into it all right here.

You want to get your brand out there, but you don’t have a ton of money to throw at promotion. Well, recent research states that an Instagram influencer will charge $1,000 per 100,000 followers.

That means that if you have your sights set on an influencer with an audience of around 300,000, you better be prepared to pay somewhere in the neighborhood of $3,000 for a single Instagram post.

Did your jaw just hit the floor? I can’t blame you. But, this is where micro-influencers come into play.

These influencers are on a smaller scale—meaning they haven’t amassed followings of hundreds of thousands (or even millions) of people.

While there’s no real rule on exactly how many followers qualifies someone as a micro-influencer, they typically have followers in the thousands.

Their followings are undeniably smaller, but they’re also highly engaged. These people are highly trusted and valued by the people who follow them—meaning they can be equally as valuable when it comes to promoting your brand.

Let’s look at an example comparing a micro-influencer with a macro-influencer.

Lauren Bullen (@gypsea_lust) is an Instagram influencer focused on travel. With 2.1 million followers, she’s built a massive following—meaning she’s obviously not a micro-influencer.

Image Source: Lauren Bullen

In contrast, Karl Watson (@karlwatsondocs) is a travel documentary filmmaker and a micro-influencer within the travel industry.

He has a much smaller following of a little over 9,000 followers, making him a much more approachable and reasonable influencer option for travel-related brands who don’t have massive budgets.

Image Source: Karl Watson

To summarize, Instagram micro-influencers are indeed influencers with a lot of authority in their niches and industries. However, they don’t operate on as large of a scale as some of the Instagram celebrities you’ve likely grown accustomed to seeing.

Finding and then effectively collaborating with influencers does require some time and energy. So, here’s a question that deserves to be answered: Is it worth it?

Here’s the short answer: absolutely.

In fact, according to Linqia’s The State of Influencer Marketing survey, 94% of respondents who use influencer marketing believe it to be an effective marketing tactic.

But, what exactly makes this rate so high?

Trust is the secret ingredient here.

More and more, people are tuning out obvious sales messages that come directly from brands. For example, usage of ad blockers surged by an impressive 30% in the year 2016—which proves that people aren’t receptive to pushy and overt sales tactics.

Instead, they turn to people they trust to get recommendations. This not only applies to their direct peers but also influencers—people they look up to and admire.

And, when they see those recommendations, they’re far more likely to actually purchase. 81% of consumers state that social posts from friends and peers (influencers come into play here!) directly impact their purchasing decisions.

That’s likely why a 2016 study from TapInfluence and Nielsen Catalina Solutions discovered that influencer marketing generates 11 times the ROI of traditional digital marketing.

In short, influencer marketing doesn’t just expand your reach by getting your brand in front of new audiences—it does so in a way that feels authentic and genuine.

Influencers have earned trust with their audiences, and therefore can win trust for your brand and convert their followers into your customers. So, it makes sense that Instagram influencer marketing doubled in the year 2017—and that will likely only continue to increase.

There’s no denying that influencer marketing on Instagram is effective. But, it’s easy to think that only applies to major influencers who can push your brand out to millions of starry-eyed followers.

Make no mistake—working with micro-influencers can be powerful. However, it’s also not without its downsides when compared with larger influencers.

Let’s explore some pros and cons of collaborating with micro-influencers, so you can decide which route is best for your unique brand.

While micro-influencers might not boast huge audience numbers, they typically have followings that are highly engaged. Their followers trust them, value them, and interact with them on a regular basis.

Much like anything else on Instagram, engagement carries a lot of weight.

After all, wouldn’t you rather promote your brand to an audience of 5,000 who will be inclined to like, comment, and even find out more about your product than an audience of 500,000 who might drop a courtesy ‘like’—but then do nothing more?

One study conducted by HelloSociety found that micro-influencer content is 6.7 times more efficient at engaging audiences than bigger influencers—proving that micro-influencers can really accomplish a lot for your brand, despite their smaller following.

To summarize, macro-influencers will lead to more reach, but micro-influencers will generate far more engagement.

Need proof? Let’s compare the Instagram accounts of two different baking influencers. Tara Jensen Green (@bakerhands) has a following of over 99,000. In contrast, Cookie Designs by Liz Tamny (@illustratedcookies) has just 1,241 followers.

Here, you can see a single Instagram post from @bakerhands received around 387 likes but just three comments:

Recommended for You

Webcast, October 17th: How to Solve Your Marketing Data Nightmare

Image Source: Tara Jensen Green

This post from @illustratedcookies has fewer likes (101 total at the time of this writing), but seven comments:

Image Source: Illustrated Cookies

It’s a seemingly small thing, but it drives home the point that micro-influencers often have a far more engaged following than macro-influencers.

You’ve already determined that you don’t have a huge budget to funnel into influencer marketing. That’s another perk of micro-influencers: Since they don’t have as large of followings, they typically don’t demand as much for compensation.

Remember previously when we mentioned that big influencers often charge as much as $1,000 per 100,000 followers?

Micro-influencers are far more reasonable. According to Bloglovin’s 2016 Global Influencer Survey, 97% of micro-influencers charge less than $500 for a single Instagram post. In fact, 84% of them actually charge less than $250 per post.

Image Source: Bloglovin’s Global Influencer Survey

In addition to the lower cost, there’s also lower competition. If you aim for those influencers with massive followings, you’ll be up against a number of big brands—and, your own sponsored post will likely get buried amongst a mix of others.

That same Bloglovin survey indicated that 70% of micro-influencers work on less than five marketing campaigns each year. This means that they haven’t been inundating their followers with product promotions, which makes the instances when they do really stand out.

There have to be some downsides, right? Micro-influencers can do a lot of good for your Instagram marketing strategy, but there are some drawbacks to consider when determining whether a micro-influencer is right for your needs.

We’ll start with the obvious one, which we’ve already touched on previously: Micro-influencers are micro for a reason. They have smaller followings.

This means that you won’t be reaching as many people as you would if you were to work with a larger influencer.

A study from Mediahub found that influencers with big follower counts get far more likes than micro-influencers. But, when it comes to things like comments, sales, traffic, and content entries, micro-influencers take the cake.

As with anything, it’s important to determine what your goals are. Do you just want a huge amount of exposure? Or, do you want engagement?

Answering that question will help to point you in the right direction.

As you can imagine, influencers with massive audiences are approached about sponsored posts all the time. They know what it takes to pull together effective content that will connect with their audience.

But, when you’re working with a micro-influencer, they’re a little less experienced in this regard. As mentioned, they only work on an average of five campaigns per year, which means they might not necessarily be experts in this field.

When you’re inexperienced with influencer marketing yourself, it can be helpful to work with someone who already knows the ropes. But, again, that will come along with a hefty price tag.

While the inexperience of some micro-influencers can certainly be a hurdle, it can actually serve you well in other ways. Since they aren’t used to cranking out product promotions, often the type of content they pull together is authentic and highly engaging—which means it performs exceptionally well with their audiences.

For example, just look at this post from Instagram user Cecilia Gorgon (@ceciliagorgon), a micro-influencer that cosmetics brand, Glossier, frequently collaborates with:

Image Source: Cecilia Gorgon

You’ll find numerous different posts with Glossier’s products and name featured on Gorgon’s Instagram grid, and they all generate a really solid amount of engagement.

You’ve determined that a micro-influencer is the right way forward for your brand. Now what? How do you go about finding these people to work with?

Let’s cover a few actionable strategies you can use to find people who could be potential ambassadors for your brand on Instagram.

Your followers can be a great resource of knowledge and insights. Chances are, they have recommendations of Instagram accounts that they already follow and love that are relevant to your brand.

Put up a post asking them to tag or share some related accounts that they admire. Those comments will turn up a list of influencers—both big and small—that you can add to your list to reach out to.

Hashtags are another great resource to find accounts that post relevant content.

Search hashtags directly on Instagram and then click into posts that grab your attention. From there, you can find out more about the account that posted the content and reach out to that user if you’re interested.

For example, if you run an outdoor gear brand, search hashtags like #outdoors, #nature, or #greatoutdoors to find content and, as a result, users who could be good fits for your own brand. You can then organize relevant hashtags using Schedugram’s Hashtag Manager to save time when creating future posts.

Maybe you don’t have the budget to work with major influencers. But, that doesn’t mean you can’t get any help from them.

Large influencers have a lot of, well, influence—which means there are plenty of micro-influencers in their audience who could be suitable for your brand.

Scroll through the comments on some recent, relevant posts from that macro-influencer. Click into the profile of some of those commenters to find out more about their own content and audience size and determine if they’re someone your brand could work with.

Once you find a micro-influencer who seems like they could be a good fit for your brand, it’s up to you to lead that relationship and make sure things run smoothly.

The same do’s, don’t’s, and best practices apply regardless of what type of influencer you’re working with. Here’s a general overview of some things to keep in mind:

Want more do’s and don’t’s? You can dig into plenty of advice for successfully collaborating with influencers of all types in our guide to Instagram influencer marketing.

Influencer marketing on Instagram is a powerful way to get your brand out in front of new, relevant audiences.

While it’s tempting to think that you need to work with the biggest influencers available, influencers with smaller but engaged followings (known as micro-influencers) might just surprise you with all that they’re able to accomplish in terms of engagement and exposure for your products.

Use this post as your guide, and you’ll find the micro-influencers that are best suited to your brand—and build a mutually-beneficial relationship after doing so.

Is your identity ever safe online? Here’s how blockchain put an end to identity theft | killexams.com real questions and Pass4sure dumps

You have all the reasons to feel scared when the biggest social networking site in the world with over 2 billion active monthly users says that its users’ identities got compromised.

During the last week of September, on a Friday evening, when the world was getting ready for another weekend, Facebook published an update citing more than 50 million user accounts were hacked.

According to a blog post by Facebook, a minor vulnerability in its “View As” feature allowed hackers to steal access tokens and hack into users personal accounts. They got access of about 50 million accounts, which forced Facebook to reset them and another 40 million accounts as a precautionary step. Total 90 million users were logged out of their accounts automatically.

This was a mass hacking attempt on the world’s largest social media platform; hence, the incident came to light shortly after it took place. But think about hundreds of those less popular online platforms where you have shared your personal information like name, age, location, mail ID, and bank details.

If Facebook can fall prey to hacking attempts, so can any other online platform in the world. This reaffirms one thing — identity theft is real, and unless necessary actions are taken, you can be its next victim.

Also read: Taipei is using a blockchain alternative to transform into a smart city

Regardless of how many precautionary measures you opt for, the risk of your personal information being compromised by online platforms can never be sidelined. The main reason behind it is the traditional way in which the data is saved on servers. If someone hacks into these servers, they can easily access the informed saved on them and use it for their benefits.

The only way to fix this issue that seems promising at this moment is blockchain. It’s the future of the tech and can end identity theft once and for all.

Using blockchain to store online information and share it with third parties will make it tough for hackers to wreck any havoc without leaving behind any digital trail.

Fortune explains it in a simple way: Every block in the blockchain is built upon its predecessor. The cryptographic nature of all these blocks makes it challenging for fraudsters to alter the information that is stored in any of these blocks as it’s connected with the information stored in another block, which has an entirely different virtual address.

This system bars data custodians from accessing information that you don’t want to share, ultimately making it next to impossible for anyone to carry out an identity theft operation.

Blockchain technology uses DiDs (decentralised identifiers), which let the individuals take full control of their personal data. These DiDs are secret URLs stored on a blockchain ledger. Each of these DiDs is assigned to a different identity of the user, such as birthdate, name or bank account number. While making a payment online, users can temporarily grant these DiDs access to the personal information of their choice and revoke once the transaction is successful.

This arrangement might sound too good to be true, but many companies have already started working in this direction. A recent partnership between BMW group and Bloom is a great example to understand this changing scenario. Bloom is an emerging blockchain technology provider, constantly trying to introduce decentralised identity in everyday life. This partnership will allow BMW group to use blockchain technology for better customer experience and keep users free from unnecessary identity theft and privacy-related concerns.

The BMW group will take Bloom’s help to verify customers’ identity and attest their credit history without storing any customer data on their servers. Since Bloom uses a decentralised and unhackable storage system powered by blockchain, hackers will never be able to steal customer data.

Also read: Blockchain tech is swiftly gaining influence, innovating the world beyond tech

BMW isn’t the only company thinking closely about making blockchain a part of its customer serving technology. Most other leading automotive players are working closely with blockchain experts to find a standard solution to fix data theft related issues as soon as possible.

Story Continues

This trend isn’t just limited to the automotive sector alone. Many companies belonging to different sectors like insurance, financial operations, supply chain management, AI, intelligence, research, transportation, logistics, etc., have started testing blockchain powered solutions to secure their customer data.

As we inch towards an era that is going to be driven by artificial intelligence, internet of things, and machine learning, we should start thinking seriously about blockchain.

It’s not a threat to our privacy, but an extension!

The sooner we understand this point, the easier it will become for us to keep our personal data safe and untouched. And when that happens, no news such as hacking into 50 million Facebook user accounts will make our blood run cold again and stop us from making weekend plans just like we always do.

What do you think about blockchain’s inclusion into everyday tech? Share your opinions with us in the comments section below.

—-

e27 publishes relevant guest contributions from the community. Share your honest opinions and expert knowledge by submitting your content here.

Photo by Noah Buscher on Unsplash

The post Is your identity ever safe online? Here’s how blockchain put an end to identity theft appeared first on e27.

Dozie: Banks’ Business Model No Longer Sustainable | killexams.com real questions and Pass4sure dumps

The Chief Executive Officer, Diamond Bank Plc, Mr. Uzoma Dozie, in this interview says banks are likely to be out-innovated and lose their market share if they fail to partner with emerging businesses to deliver superior services to customers.  He stresses the importance of partnership between telcos, fintechs and banks in order to continue to deepen banking penetration. Obinna Chima presents the excerpts:

How did you feel about the recent Central Bank of Nigeria fine on the bank with respect to MTN Nigeria?

When you are in the battlefield, you expect injuries once in a while. And that was the way we saw it. We didn’t quite understand the basis. As an organisation, we always try to do things in line with corporate governance. We are always compliant. Basically, we didn’t understand the basis for the fine. We have responded to our regulator to look at it and look at the information again. The central bank has stated in one of their press releases that they have gathered more information and that they are looking at it. We have to continue moving, you can’t allow that to stop your operation. Fortunately, we have capacity to absorb that it does not affect the day-to-day running of our services to our customers. We would not allow that to distract us.

How did your customers react to the news of the fine?

We have customers that are informed and we also have the ones that are going about trying to make their dreams come true in Nigeria. We have about 15 million customers. Those people don’t have the luxury of reading newspapers. We also have a relationship with MTN in terms of providing services that help transform people’s life. So, the development didn’t impact on the brand. People are now more informed and they can take informed decisions. In my opinion, our customers believe that this is an issue that has to be resolved and that their monies are safe.

The Monetary Policy Committee at its last meeting raised some concern about the economy. What is your take on that and what do you think the government should be doing to avert another slide into recession?

This is talking to all stakeholders in every sector of the economy: private sector, public sector, regulators even foreign investors as well. Of course, Nigeria is no longer isolated from activities in the global economy. Of course, with the increase in interest rate in the United States, it means there is going to be pressure to retain foreign investors in Nigeria, which we depend on. In terms of what we must do, firstly is that we must ensure there is stability – financial stability and stability in our oil production. But then, there is another thing – the rule of law, which is very key. We must ensure there is transparency and reduction in corruption. And that’s one of the reasons why Diamond Bank is really driven on digital. Digital means pure transparency and means audit trail. Imagine if Nigeria has invested in technology, look at Nigeria Interbank Settlement System payment platform, look at the Bank Verification Number, you can even look at the fact that people are using their mobile phones to drive their businesses and so on. You can see the potential. So those are the things we need to do. So, those are fundamentals. If there is transparency, trust, reduction in corruption, despite concerns of elections, people will still bring money in. Of course, people are still going to bring in money during election. So, it is about ensuring that there is stable environment for people to continue to do their business and money will keep coming in.

KPMG’s recent 2018 customer survey rated Diamond Bank as one of the top five SME Customer Banks in Nigeria. Can you speak more on the bank’s focus on SMEs and what are its long-term plans for SMEs in the country?

Yes, you are correct. That space is our major focus area for us in the bank, and we have deployed a lot of resources towards growing that SMEs space. We call it emerging business in Diamond Bank. And that’s because if you look at the economy, 70 per cent of impact in the economy is coming from small and medium scale enterprises (SMEs). So, we deploy a lot services. Now, we are on a growth trajectory. What do they require? Access to finance, access to market, capacity building, networking. And so, we have deliberately tried to ensure we meet those needs. And again, another challenge in that sector is lending which is why our collaboration with Women’s World Banking is what we are using now to make sure we meet the needs of companies and individuals in that sector. So, we are now using the cashflow lending type of proposition to attack that sector. What does this do for us? We are still having collateral, but they are more flexible. We have three focus areas we lend to – agriculture, education and health. So, if I come to your hospital and you don’t have collateral, you have equipment that I can use as collateral. If you are school, there are computers in the school and other things. Normally, the traditional kind of lending you will not use such things because those things you may feel you may not be able to realise. But what the cashflow does for you is we look at the pattern of your business and how your cash actually flows. So, we are deploying a lot of that strategy to make sure we give them financing. Then in terms of capacity building, because what you find out from SMEs is that they need knowledge on how to run their businesses. We have an alliance with Lagos Business School through their Enterprise Development Centre. And over the years, we have continued to train entrepreneurs, supporting them with education on how to run their businesses, giving them skills that we belief they require to run their businesses. Now, beyond that, what we used to do was also to go round and educate our SMEs. That’s part of our non-financial services. We educate them on ow to run their business. We have an SME zone in Diamond Bank where our customers can go and educate themselves on different things – human resources, financial management and all of that. We believe once we can spread the SMEs training all over the country, it would really give us the edge that we require to grow that sector of the economy.

You talked about lending to that critical sector of the economy, but most SMEs have complained about accessing loans from banks as well as the high interest rate. How is Diamond Bank mitigating pains for the SMEs?

They complain about collecting money from banks is because of security. Indeed, you have to be sure that whoever you giving money to would pay you back the money. Of course, if they don’t pay you back, your final way out is the security and many of them don’t have. This is why I explained what we are doing with Women World Banking to ease that challenge. So, we are lending based on your cashflow. The only challenge with that is that because we need to see the cash flows, it’s not available to new businesses. So, because I don’t know your pattern of payment. I don’t know how your customers pay you and how long it takes you to convert whatever products or services into cash. But if you are an SME and you are in a business, all I need is to take your cash register, look at your pattern of payment and lend you based on how your money comes to you. That challenge is being addressed by our cash flow lending.

Can speak about your half year 2018 financial results that was released few weeks ago and what expansion plans the bank has for the future?

We have started transformation. What it means is that we are diversifying our portfolios. If you look at our portfolio today, you will find out that our assets are actually skewed towards oil and gas. With the slide in oil prices few years ago, it meant we had to reclassify and restructure some loans out there. One of things we’ve done even before I got here, was that we have started lending into retail space and focus more on corporate clients that had a value chain and  are actually into retail business, like telecoms, manufacturing, like the Dangotes of this world. What that meant was that you will see that our asset portfolio has been dropping because we are not lending billions into that space anymore. We are now focusing on driving retail business, the SMEs. Up to June this year, we have done more lending to small businesses than we have done in the last three years together. That is the focus of the bank. If lending is small and the duration is much shorter, it means that every month people are paying back. Until we build that critical part which is what we are trying to build. How you judge us is the transaction income coming out of that and the people we are beginning to lend to and even the platform we are building so that we can have access to more people. So, we are trying to build a more sustainable business that is bullet proof to shocks in the macro-economy. If we have another shock to the country again, if the economy is shocked by one per cent, ours should be 0.2 per cent because we have diversified our business base. That is what we are trying to do. And we know that it’s workable because what you see is the final number which is oil and gas, non-performing loans. What you don’t see is the engine. In terms of liquidity, we have ovef N800 billion of retail deposits that is driving the lending portfolio. We want to diversify that so that we can actually access more people. We’ve also come out of West Africa. We don’t think there is enough opportunity there, we were just deploying capital that were not giving returns like we have in Nigeria. We have also sold our United Kingdom office. Because of the drop in foreign currency, trade businesses have dropped, so we’ve diversify from that. Those incomes we’ve made from trade business; we’ve now replaced it with retail type business. We can see that that is working. Our lending to retail space is not only growing, but NPLs from that segments are actually much lower because we have learnt from previous lending as well. And that is the whole idea. These have enabled us to manage our capital and we are pursuing a national licence, which will mean oour capital adequacy ratio will be much lower and we can now focus on improved profitability and leveraging on technology that we have invested in.

You talked about transformation and my worry is you seem to be signing a lot partnership with foreign organisations. You made mention of MTN. How would shareholders benefit from majority of these?

If you look at what is going on in the world today, you will find out that banks are under attack. This happens every day. People are beginning to either do those things themselves or people are coming into your space. If it is transferring dollars to Nigeria or lending, many people are doing it. The point is, what are you going to do as a bank? There is a capability that banks have that other people don’t have. For instance, Flour Mills said the other day that the want to issue their own commercial paper to raise N70 billion to refinance their loans. It means that your current business model may no longer be sustainable in the nearest future.  We have this philosophy that says beyond banking, we have to do more for our customers. Now am I going to lend to all kind of persons or how can we partner to deliver the outcomes. That is because people don’t care about banking but outcome. They want to go to the movies, they want to make phones calls, they want to buy a house. So, if you want to talk to someone, you need to buy airtime. So, we decided to partner the telcos. So, the future for any business is the platform and you must do things to drive people to your platform. So for collaboration for a people business, you look at platform capable of delivering services. You look at the quality of your collaboration, number of people on the platform and the quality of partnership. So, we are in that business of partnering with people to ensure our platform is robust and we are able to do more for our customers. We belief that Nigeria has a huge population of men and women. We partner with the Women World Banking with a vision to get sizeable number of women globally financially included, we partner together Nigeria is a big market. To reach more people, we need technology to do that. There are many financial and non-financial partnerships that we are beginning to establish because we know that the future businesses is sharing and collaboration. But to do that will have a platform that technology driven and robust. So, no man is an island. If you are in business that is connected to the world, not connected for others to benefit maximally from, you cannot be a one stop shop for people. I want people to know that either through my mobile phone or myself they have a gateway, they don’t have to go to too many places. That is why we are on this journey. It is just like small businesses, nobody is going to give you money if you have not gotten yourself in a position to attract advisory services and how to position yourself in the market. People won’t give you money because they would say you won’t know how to deal with it because there is no market. For us, if we don’t build a platform people can connect wherever they are in the world.  That is what we are building because that is what our customers demand. We are in mobile-driven economy.

You talked about mobile economy. If you look at a country like Kenya, the Telcos are the ones driving mobile money. In Nigeria, you discover that it is mostly the banks that do that. What is Diamond Bank doing in respect of financial inclusion? Do you think the banks or telcos should drive financial inclusion in the country or partnership would be the best one?

It is definitely partnership and not about capability. You should also look at how telcos became the dominant financial player in the case of Kenya you sighted in terms of transfer payment. At a time, the banking industry was backward then in Kenya, and so the only people that could do anything then were the telcos. People also forget that government was also a major shareholder in Safaricom. So, they had the regulation that allowed it to happen. But in Nigeria, things are completely different. Our payment platform is more advanced than even Kenya. Ours has been real time online a long time ago. It meant that there was no place for mobile money. Mobile money is a glorified transfer system. S, financial inclusion won’t work with bank alone because we are not going to go to many places. Telcos can never provide the sophistication. Banking is about trust, managing risk, convenience. So, the only way to be competitive is partnership. So, beyond the telcos, you need other people who have developed other business solutions in the world to be on the platform.

Telcos cannot provide full digital services without banks. It is that partnership that will allow you to achieve what you have set out to achieve in that sector. So, the fintechs are very important. If you look at Diamond Bank, all our foray into financial inclusion has been through collaboration with fintechs. Telcos cannot provide full digital financial services without a bank. On our Beta proposition for example, what we found is that it is not about opening bank accounts, but about giving people incentives to save. As a bank, we are not going to open branches everywhere, MTN has branches everywhere. So, today, on our Diamond Y’ello, we have almost three million customers which we would not have ever had. We would have waited for when we open those branches to get to those places. But if you have an MTN line, you can open an account on your phone.  What has also helped that Beta customers is the fact that MTN has agents as well that can go to the customers and pay them when they need. So, what you need to drive financial inclusion is technology. The telcos have it, while the banks have the expertise. So, what is needed is that collaboration.

But if we are all moving into technology, we also need to look at the vulnerabilities, which is the question of cyber-attacks. What are the defense mechanism to ensure that customers are protected?

You put your defenses round where your transactions are. Twenty years ago, if you go to a branch, you will see armored vehicles and lots of policemen, in order to protect the money. Today, a lot of those things are not necessary because people are doing their transactions electronically. So, cyber-security is very important to us at Diamond Bank. Not only do we have in-house security, we also outsource security as well because security involves experts. We have experts that keep checking our systems against vulnerabilities. Technology also gives security. For example, BVN is more secured than my signature. Anybody can forge my signature, but nobody can forge my BVN. So, we are making sure that we are building that trust on all our channels. We have even gone one step further by using robotics to ensure that the back office is moving at the same pace. So, working with Deliotte, we have automated one of the most complicated automated systems and our customers are enjoying successful transactions.   

Direct Download of over 5500 Certification Exams

3COM [8 Certification Exam(s) ]
AccessData [1 Certification Exam(s) ]
ACFE [1 Certification Exam(s) ]
ACI [3 Certification Exam(s) ]
Acme-Packet [1 Certification Exam(s) ]
ACSM [4 Certification Exam(s) ]
ACT [1 Certification Exam(s) ]
Admission-Tests [13 Certification Exam(s) ]
ADOBE [93 Certification Exam(s) ]
AFP [1 Certification Exam(s) ]
AICPA [2 Certification Exam(s) ]
AIIM [1 Certification Exam(s) ]
Alcatel-Lucent [13 Certification Exam(s) ]
Alfresco [1 Certification Exam(s) ]
Altiris [3 Certification Exam(s) ]
Amazon [2 Certification Exam(s) ]
American-College [2 Certification Exam(s) ]
Android [4 Certification Exam(s) ]
APA [1 Certification Exam(s) ]
APC [2 Certification Exam(s) ]
APICS [2 Certification Exam(s) ]
Apple [69 Certification Exam(s) ]
AppSense [1 Certification Exam(s) ]
APTUSC [1 Certification Exam(s) ]
Arizona-Education [1 Certification Exam(s) ]
ARM [1 Certification Exam(s) ]
Aruba [6 Certification Exam(s) ]
ASIS [2 Certification Exam(s) ]
ASQ [3 Certification Exam(s) ]
ASTQB [8 Certification Exam(s) ]
Autodesk [2 Certification Exam(s) ]
Avaya [96 Certification Exam(s) ]
AXELOS [1 Certification Exam(s) ]
Axis [1 Certification Exam(s) ]
Banking [1 Certification Exam(s) ]
BEA [5 Certification Exam(s) ]
BICSI [2 Certification Exam(s) ]
BlackBerry [17 Certification Exam(s) ]
BlueCoat [2 Certification Exam(s) ]
Brocade [4 Certification Exam(s) ]
Business-Objects [11 Certification Exam(s) ]
Business-Tests [4 Certification Exam(s) ]
CA-Technologies [21 Certification Exam(s) ]
Certification-Board [10 Certification Exam(s) ]
Certiport [3 Certification Exam(s) ]
CheckPoint [41 Certification Exam(s) ]
CIDQ [1 Certification Exam(s) ]
CIPS [4 Certification Exam(s) ]
Cisco [318 Certification Exam(s) ]
Citrix [47 Certification Exam(s) ]
CIW [18 Certification Exam(s) ]
Cloudera [10 Certification Exam(s) ]
Cognos [19 Certification Exam(s) ]
College-Board [2 Certification Exam(s) ]
CompTIA [76 Certification Exam(s) ]
ComputerAssociates [6 Certification Exam(s) ]
Consultant [2 Certification Exam(s) ]
Counselor [4 Certification Exam(s) ]
CPP-Institue [2 Certification Exam(s) ]
CPP-Institute [1 Certification Exam(s) ]
CSP [1 Certification Exam(s) ]
CWNA [1 Certification Exam(s) ]
CWNP [13 Certification Exam(s) ]
Dassault [2 Certification Exam(s) ]
DELL [9 Certification Exam(s) ]
DMI [1 Certification Exam(s) ]
DRI [1 Certification Exam(s) ]
ECCouncil [21 Certification Exam(s) ]
ECDL [1 Certification Exam(s) ]
EMC [129 Certification Exam(s) ]
Enterasys [13 Certification Exam(s) ]
Ericsson [5 Certification Exam(s) ]
ESPA [1 Certification Exam(s) ]
Esri [2 Certification Exam(s) ]
ExamExpress [15 Certification Exam(s) ]
Exin [40 Certification Exam(s) ]
ExtremeNetworks [3 Certification Exam(s) ]
F5-Networks [20 Certification Exam(s) ]
FCTC [2 Certification Exam(s) ]
Filemaker [9 Certification Exam(s) ]
Financial [36 Certification Exam(s) ]
Food [4 Certification Exam(s) ]
Fortinet [12 Certification Exam(s) ]
Foundry [6 Certification Exam(s) ]
FSMTB [1 Certification Exam(s) ]
Fujitsu [2 Certification Exam(s) ]
GAQM [9 Certification Exam(s) ]
Genesys [4 Certification Exam(s) ]
GIAC [15 Certification Exam(s) ]
Google [4 Certification Exam(s) ]
GuidanceSoftware [2 Certification Exam(s) ]
H3C [1 Certification Exam(s) ]
HDI [9 Certification Exam(s) ]
Healthcare [3 Certification Exam(s) ]
HIPAA [2 Certification Exam(s) ]
Hitachi [30 Certification Exam(s) ]
Hortonworks [4 Certification Exam(s) ]
Hospitality [2 Certification Exam(s) ]
HP [746 Certification Exam(s) ]
HR [4 Certification Exam(s) ]
HRCI [1 Certification Exam(s) ]
Huawei [21 Certification Exam(s) ]
Hyperion [10 Certification Exam(s) ]
IAAP [1 Certification Exam(s) ]
IAHCSMM [1 Certification Exam(s) ]
IBM [1530 Certification Exam(s) ]
IBQH [1 Certification Exam(s) ]
ICAI [1 Certification Exam(s) ]
ICDL [6 Certification Exam(s) ]
IEEE [1 Certification Exam(s) ]
IELTS [1 Certification Exam(s) ]
IFPUG [1 Certification Exam(s) ]
IIA [3 Certification Exam(s) ]
IIBA [2 Certification Exam(s) ]
IISFA [1 Certification Exam(s) ]
Intel [2 Certification Exam(s) ]
IQN [1 Certification Exam(s) ]
IRS [1 Certification Exam(s) ]
ISA [1 Certification Exam(s) ]
ISACA [4 Certification Exam(s) ]
ISC2 [6 Certification Exam(s) ]
ISEB [24 Certification Exam(s) ]
Isilon [4 Certification Exam(s) ]
ISM [6 Certification Exam(s) ]
iSQI [7 Certification Exam(s) ]
ITEC [1 Certification Exam(s) ]
Juniper [63 Certification Exam(s) ]
LEED [1 Certification Exam(s) ]
Legato [5 Certification Exam(s) ]
Liferay [1 Certification Exam(s) ]
Logical-Operations [1 Certification Exam(s) ]
Lotus [66 Certification Exam(s) ]
LPI [24 Certification Exam(s) ]
LSI [3 Certification Exam(s) ]
Magento [3 Certification Exam(s) ]
Maintenance [2 Certification Exam(s) ]
McAfee [8 Certification Exam(s) ]
McData [3 Certification Exam(s) ]
Medical [69 Certification Exam(s) ]
Microsoft [368 Certification Exam(s) ]
Mile2 [2 Certification Exam(s) ]
Military [1 Certification Exam(s) ]
Misc [1 Certification Exam(s) ]
Motorola [7 Certification Exam(s) ]
mySQL [4 Certification Exam(s) ]
NBSTSA [1 Certification Exam(s) ]
NCEES [2 Certification Exam(s) ]
NCIDQ [1 Certification Exam(s) ]
NCLEX [2 Certification Exam(s) ]
Network-General [12 Certification Exam(s) ]
NetworkAppliance [36 Certification Exam(s) ]
NI [1 Certification Exam(s) ]
NIELIT [1 Certification Exam(s) ]
Nokia [6 Certification Exam(s) ]
Nortel [130 Certification Exam(s) ]
Novell [37 Certification Exam(s) ]
OMG [10 Certification Exam(s) ]
Oracle [269 Certification Exam(s) ]
P&C [2 Certification Exam(s) ]
Palo-Alto [4 Certification Exam(s) ]
PARCC [1 Certification Exam(s) ]
PayPal [1 Certification Exam(s) ]
Pegasystems [11 Certification Exam(s) ]
PEOPLECERT [4 Certification Exam(s) ]
PMI [15 Certification Exam(s) ]
Polycom [2 Certification Exam(s) ]
PostgreSQL-CE [1 Certification Exam(s) ]
Prince2 [6 Certification Exam(s) ]
PRMIA [1 Certification Exam(s) ]
PsychCorp [1 Certification Exam(s) ]
PTCB [2 Certification Exam(s) ]
QAI [1 Certification Exam(s) ]
QlikView [1 Certification Exam(s) ]
Quality-Assurance [7 Certification Exam(s) ]
RACC [1 Certification Exam(s) ]
Real-Estate [1 Certification Exam(s) ]
RedHat [8 Certification Exam(s) ]
RES [5 Certification Exam(s) ]
Riverbed [8 Certification Exam(s) ]
RSA [15 Certification Exam(s) ]
Sair [8 Certification Exam(s) ]
Salesforce [5 Certification Exam(s) ]
SANS [1 Certification Exam(s) ]
SAP [98 Certification Exam(s) ]
SASInstitute [15 Certification Exam(s) ]
SAT [1 Certification Exam(s) ]
SCO [10 Certification Exam(s) ]
SCP [6 Certification Exam(s) ]
SDI [3 Certification Exam(s) ]
See-Beyond [1 Certification Exam(s) ]
Siemens [1 Certification Exam(s) ]
Snia [7 Certification Exam(s) ]
SOA [15 Certification Exam(s) ]
Social-Work-Board [4 Certification Exam(s) ]
SpringSource [1 Certification Exam(s) ]
SUN [63 Certification Exam(s) ]
SUSE [1 Certification Exam(s) ]
Sybase [17 Certification Exam(s) ]
Symantec [134 Certification Exam(s) ]
Teacher-Certification [4 Certification Exam(s) ]
The-Open-Group [8 Certification Exam(s) ]
TIA [3 Certification Exam(s) ]
Tibco [18 Certification Exam(s) ]
Trainers [3 Certification Exam(s) ]
Trend [1 Certification Exam(s) ]
TruSecure [1 Certification Exam(s) ]
USMLE [1 Certification Exam(s) ]
VCE [6 Certification Exam(s) ]
Veeam [2 Certification Exam(s) ]
Veritas [33 Certification Exam(s) ]
Vmware [58 Certification Exam(s) ]
Wonderlic [2 Certification Exam(s) ]
Worldatwork [2 Certification Exam(s) ]
XML-Master [3 Certification Exam(s) ]
Zend [6 Certification Exam(s) ]

References :

Dropmark : http://killexams.dropmark.com/367904/11558908
Wordpress : http://wp.me/p7SJ6L-zC
Scribd : https://www.scribd.com/document/358915342/Pass4sure-650-128-Braindumps-and-Practice-Tests-with-Real-Questions
Issu : https://issuu.com/trutrainers/docs/650-128
Dropmark-Text : http://killexams.dropmark.com/367904/12080333
weSRCH : https://www.wesrch.com/business/prpdfBU1HWO000UZPM
Blogspot : http://killexams-braindumps.blogspot.com/2017/11/cisco-650-128-dumps-and-practice-tests.html
Youtube : https://youtu.be/AiXN0gm7fgM
RSS Feed : http://feeds.feedburner.com/Cisco650-128DumpsAndPracticeTestsWithRealQuestions
Google+ : https://plus.google.com/112153555852933435691/posts/F9j7ZynyX3C?hl=en
publitas.com : https://view.publitas.com/trutrainers-inc/pass4sure-650-128-practice-tests-with-real-questions
Calameo : http://en.calameo.com/books/0049235262ef3cd36439c
Box.net : https://app.box.com/s/p0m63j762qicirj2ju6pgogky9sb5oz4
zoho.com : https://docs.zoho.com/file/5mzblc77be879355340c0ad04b72aa1438122