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650-128 exam Dumps Source : Connected Grid (Account Manager) learning Verification

Test Code : 650-128
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Vendor title : Cisco
real questions : 23 existent Questions

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Cisco Cisco Connected Grid (Account

Cisco Builds on linked Grid Portfolio | killexams.com existent 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 aid utilities modernize their electrical grid. the brand newfangled 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 newfangled solutions assist utilities modernize, control, and enhance regular grid operations, via presenting operational network options for mission-crucial grid monitoring and manipulate techniques; unified electrical and communications community modeling and design elements for quick and respectable grid implementations; and integrated communique options to ameliorate coordination between box personnel and allow faster carrier restoration. The related Grid routine ties into Cisco's broader belief of the web of every thing, connecting individuals, processes, information, and issues.

New connected Grid solutions

  • Cisco Utility Operational community solution
  • Cisco Utility Operational community solution includes a kit of structure, design services and products for utility broad locality networks that gives utility operators a enormously cozy and multifarious multi-factor network to assist grid modernization efforts.
  • Utilities are supplied time-sensitive insurance diagram communications, telemetry facts, company tips site visitors, voice calls and video streams delivered over a sole network.
  • the newfangled retort replaces the should manipulate diverse growing stale time-division multiplexing (TDM) based and siloed networks that had been developed around inflexible, point-to-element architectures which are unable to deal with multipoint power and counsel flows.
  • Cisco connected Grid Design Suite
  • Cisco linked Grid Design Suite contains a collection of hardware home equipment, utility purposes and services to manage the complexity of newfangled know-how integration in substations by using providing utility engineers with a unified view of electrical and communications networks.
  • the newfangled retort will aid utilities accelerate deployment with unified modeling, design, and configuration of these substation networks. It additionally permits the post-deployment visualization and efficiency monitoring of the network
  • The design suite improves reliability and compliance improves while reducing deployment prices.
  • Cisco Incident Response and carcass of workers Enablement solution
  • The retort contains a collection of architecture services and items to enrich domain communications and coordination.
  • Disparate fastened and mobile communication techniques, IP-based mostly dispatch, and actual safety systems are integrated to enrich coordination between utility domain crews, dispatchers and faraway consultants.
  • Cisco's linked Grid routine 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, brilliant and particularly cozy platform; electric utilities profit from each lessen total cost of possession in addition to create value from newfangled 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 seat deployments in North the united states; as well as big area, substation, and distribution networks in Europe and Asia.

    assisting charges:

  • Lionel Chocoron, vice chairman and intimate manager of Cisco connected energy Networks company unit:"through their industry leadership on protection and system interoperability, Cisco has viewed efficient client and accomplice expand with utilities global adopting the GridBlocks architecture and related Grid options. These newfangled options will assist utilities and their companions meet their grid modernization objectives by using bettering automation and safety throughout their operations."
  • Roger whats up, Future Networks application supervisor, Western power Distribution (UK):"project FALCON is a crucial step in future networks software. it's establishing and testing out one of the tools for their appliance equipment, and for the residents of Milton Keynes it will live enhancing the flush of carrier and performance of the network for their city."
  • Lu Hong, director, Automation arm at status Grid of China enterprise: "State Grid of China Corp. is main the world by route of deploying complete IEC 61850 Digital Substation architectures. For such tremendous-scale implementation the management of IED configuration and its communication community is terribly complicated and time consuming. Cisco's Design Suite makes it practicable for their engineers to streamline substation community discovery, design, modeling and checking out approaches. It additionally helps validate and maintain music of configuration alterations, which meet their operational needs very well."
  • Oscie Brown, typical manager, SCANA services, Inc. "Cisco IPICS enabled unified incident administration for the PSNC gas company, permitting us to centralize dispatch operations throughout three states and 50 several radio channels."
  • aiding resources

    About Cisco Cisco ( NASDAQ : CSCO ) is the worldwide chief in IT that helps companies seize the alternatives of the following day by route of proving that superb issues can revolve up when you connect the in the past unconnected. To gain learning of extra about options for utilities, gratify visit www.cisco.com/go/utilities. For ongoing information, gratify travel 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 furthermore live discovered at www.cisco.com/go/trademarks. Third-celebration trademarks mentioned are the property of their respective homeowners. using the celebrate ally doesn't hint 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 existent Questions and Pass4sure dumps

    No outcome discovered, are trying newfangled key phrase!in response to Monday’s announcement, both will hyperlink Itron’s mobile-enabled meters and information collection and administration software with Cisco’s grid routers and connected grid administration ... That’s a b...

    Cisco : determine the possibility Intelligence Capabilities within the probability Grid API | killexams.com existent 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 each and every 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 learning required.

    if you are going to live at Cisco live next week in Barcelona, which you could register for the DevNet workshop i am main. They could live 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 terminate of it you could live 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 live a portion 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 bewitch 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 utilize situations of Cisco possibility Grid. The subjects are largely about interactive portal use, but remain tuned for more API content material privilege here as smartly!

    threat Grid online API documentation:

    Tags:

    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.


    650-128 Connected Grid (Account Manager) learning Verification

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    650-128 exam Dumps Source : Connected Grid (Account Manager) learning Verification

    Test Code : 650-128
    Test title : Connected Grid (Account Manager) learning Verification
    Vendor title : Cisco
    real questions : 23 existent Questions

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    The mount of the Instagram Micro-Influencer: Everything You necessity to Know | killexams.com existent questions and Pass4sure dumps

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

    But, there’s one routine that seems to reign supreme over each and every of the others: influencer marketing.

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

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

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

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

    So, what accomplish you necessity to know about Instagram micro-influencers? We’re rolling up their sleeves and digging into it each and every privilege here.

    What Exactly is an Instagram Micro-Influencer?

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

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

    Did your jaw just hit the floor? I can’t frailty 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 existent rule on exactly how many followers qualifies someone as a micro-influencer, they typically beget followers in the thousands.

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

    Let’s search at an case 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.

    Instagram-micro-influencer-lauren-bullen-example

    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 miniature over 9,000 followers, making him a much more approachable and reasonable influencer option for travel-related brands who don’t beget massive budgets.

    Instagram-micro-influencer-karl-watson-example

    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 big of a scale as some of the Instagram celebrities you’ve likely grown accustomed to seeing.

    Why Bother With Influencer Marketing?

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

    Here’s the short answer: absolutely.

    In fact, according to Linqia’s The status of Influencer Marketing survey, 94% of respondents who utilize influencer marketing believe it to live an efficient marketing tactic.

    But, what exactly makes this rate so high?

    Trust is the surreptitious 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 revolve to people they trust to score recommendations. This not only applies to their direct peers but furthermore influencers—people they search up to and admire.

    And, when they descry those recommendations, they’re far more likely to actually purchase. 81% of consumers status that sociable posts from friends and peers (influencers Come into play here!) directly repercussion 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 gain by getting your brand in front of newfangled audiences—it does so in a route that feels authentic and genuine.

    Influencers beget 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.

    Does Size Matter: The Pros and Cons of Micro-Influencers

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

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

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

    The Pros 1. They beget a Highly-Engaged Following

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

    Much enjoy anything else on Instagram, assignation carries a lot of weight.

    After all, wouldn’t you rather promote your brand to an audience of 5,000 who will live 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 accomplish nothing more?

    One study conducted by HelloSociety organize 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 descry a sole Instagram post from @bakerhands received around 387 likes but just three comments:

    Instagram-micro-influencer-baker-hands-example

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    Image Source: Tara Jensen Green

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

    Instagram-micro-influencer-illustrated-cookies-example

    Image Source: Illustrated Cookies

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

    2. They’re Usually Cheaper to toil With

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

    Remember previously when they mentioned that astronomical 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 sole Instagram post. In fact, 84% of them actually charge less than $250 per post.

    Instagram-micro-influencer-bloglovin-chart

    Image Source: Bloglovin’s Global Influencer Survey

    In addition to the lower cost, there’s furthermore lower competition. If you direct for those influencers with massive followings, you’ll live up against a number of astronomical brands—and, your own sponsored post will likely score buried amongst a mix of others.

    That same Bloglovin survey indicated that 70% of micro-influencers toil 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 accomplish really stand out.

    The Cons 1. They beget a Smaller Following

    There beget to live some downsides, right? Micro-influencers can accomplish a lot of ample for your Instagram marketing strategy, but there are some drawbacks to deem when determining whether a micro-influencer is privilege 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 beget smaller followings.

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

    A study from Mediahub organize that influencers with astronomical follower counts score far more likes than micro-influencers. But, when it comes to things enjoy comments, sales, traffic, and content entries, micro-influencers bewitch the cake.

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

    Answering that question will aid to point you in the privilege direction.

    2. They’re Less Experienced With Instagram Marketing

    As you can imagine, influencers with massive audiences are approached about sponsored posts each and every the time. They know what it takes to tow together efficient content that will connect with their audience.

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

    When you’re inexperienced with influencer marketing yourself, it can live helpful to toil 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 live a hurdle, it can actually serve you well in other ways. Since they aren’t used to cranking out product promotions, often the nature of content they tow together is authentic and highly engaging—which means it performs exceptionally well with their audiences.

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

    Instagram-micro-influencer-glossier-example

    Image Source: Cecilia Gorgon

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

    Where to Find Instagram Micro-Influencers

    You’ve determined that a micro-influencer is the privilege route forward for your brand. Now what? How accomplish you travel about finding these people to toil with?

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

    1. inquire of Your Existing Fans and Followers

    Your followers can live a remarkable resource of learning and insights. Chances are, they beget recommendations of Instagram accounts that they already result and esteem that are pertinent to your brand.

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

    2. search Through Related Hashtags

    Hashtags are another remarkable resource to find accounts that post pertinent 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 gain out to that user if you’re interested.

    For example, if you hasten an outdoor gear brand, search hashtags enjoy #outdoors, #nature, or #greatoutdoors to find content and, as a result, users who could live ample fits for your own brand. You can then organize pertinent hashtags using Schedugram’s Hashtag Manager to rescue time when creating future posts.

    Instagram-micro-influencer-hashtag-example

    3. search at the Comments on the Posts of Major Influencers

    Maybe you don’t beget the budget to toil with major influencers. But, that doesn’t add up to you can’t score any aid from them.

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

    Scroll through the comments on some recent, pertinent 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 toil with.

    It’s a Two-Way Street: Working Well With Micro-Influencers

    Once you find a micro-influencer who seems enjoy they could live a ample felicitous for your brand, it’s up to you to lead that relationship and beget positive things hasten smoothly.

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

  • DO arbitrator about your messaging so the influencer has a limpid belief of what you’re trying to promote and what nature of content you’re aiming for.
  • BUT DON’T restrict their creativity. Give them the liberty and flexibility they necessity to Come up with something awesome.
  • DO find the privilege influencers for your brand. Don’t just toil with somebody because they beget a highly-engaged audience or bewitch remarkable photos—you necessity them to felicitous with your brand identity.
  • BUT DON’T obsess over numbers. Things enjoy the number of followers and objective assignation rate can serve as a ample clue, but they aren’t the be-all and end-all.
  • DO empower your influencers with information. Give them resources that they necessity to relent quality content for you. Whether it’s logo files or desired hashtags, don’t leave them needing to hunt down what they require.
  • BUT DON’T neglect the rules yourself. You can’t live so focused on what the influencer has to accomplish that you neglect what you necessity to do. Instagram has a lot of rules around sponsored content, so beget positive you’re awake of and following these.
  • Want more do’s and don’t’s? You can dig into plenty of recommendation for successfully collaborating with influencers of each and every types in their sheperd to Instagram influencer marketing.

    Over to You

    Influencer marketing on Instagram is a powerful route to score your brand out in front of new, pertinent audiences.

    While it’s tempting to arbitrator that you necessity to toil with the biggest influencers available, influencers with smaller but engaged followings (known as micro-influencers) might just flabbergast you with each and every that they’re able to accomplish in terms of assignation 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 rescue an terminate to identity theft | killexams.com existent questions and Pass4sure dumps

    You beget each and every the reasons to feel skittish when the biggest sociable networking site in the world with over 2 billion lively 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 cop 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 sociable media platform; hence, the incident came to light shortly after it took place. But arbitrator about hundreds of those less approved online platforms where you beget shared your personal information enjoy name, age, location, mail ID, and bank details.

    If Facebook can plunge 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 live 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 live sidelined. The main intuition behind it is the traditional route in which the data is saved on servers. If someone hacks into these servers, they can easily access the informed saved on them and utilize it for their benefits.

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

    How Blockchain Can terminate Identity Theft

    Using blockchain to store online information and share it with third parties will beget 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 each and every 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 bewitch complete control of their personal data. These DiDs are surreptitious URLs stored on a blockchain ledger. Each of these DiDs is assigned to a different identity of the user, such as birthdate, title or bank account number. While making a payment online, users can temporarily concede these DiDs access to the personal information of their altenative and revoke once the transaction is successful.

    This arrangement might sound too ample to live true, but many companies beget already started working in this direction. A recent partnership between BMW group and efflorescence is a remarkable case to understand this changing scenario. efflorescence is an emerging blockchain technology provider, constantly trying to interpolate decentralised identity in everyday life. This partnership will allow BMW group to utilize blockchain technology for better customer experience and retain users free from unnecessary identity theft and privacy-related concerns.

    The BMW group will bewitch Bloom’s aid to verify customers’ identity and attest their credit history without storing any customer data on their servers. Since efflorescence uses a decentralised and unhackable storage system powered by blockchain, hackers will never live able to cop 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 portion of its customer serving technology. Most other leading automotive players are working closely with blockchain experts to find a measure 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 enjoy insurance, monetary operations, supply chain management, AI, intelligence, research, transportation, logistics, etc., beget started testing blockchain powered solutions to secure their customer data.

    The takeaway

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

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

    The sooner they understand this point, the easier it will become for us to retain their personal data safe and untouched. And when that happens, no tidings such as hacking into 50 million Facebook user accounts will beget their blood hasten glacial again and stop us from making weekend plans just enjoy they always do.

    What accomplish you arbitrator about blockchain’s inclusion into everyday tech? share your opinions with us in the comments section below.

    —-

    e27 publishes pertinent guest contributions from the community. share your honest opinions and expert learning by submitting your content here.

    Photo by Noah Buscher on Unsplash

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


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

    The Chief Executive Officer, Diamond Bank Plc, Mr. Uzoma Dozie, in this interview says banks are likely to live out-innovated and lose their market share if they fail to ally with emerging businesses to deliver superior services to customers.  He stresses the weight 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 anticipate injuries once in a while. And that was the route they saw it. They didn’t quite understand the basis. As an organisation, they always try to accomplish things in line with corporate governance. They are always compliant. Basically, they didn’t understand the basis for the fine. They beget responded to their regulator to search at it and search at the information again. The central bank has stated in one of their press releases that they beget gathered more information and that they are looking at it. They beget to continue moving, you can’t allow that to stop your operation. Fortunately, they beget capacity to absorb that it does not move the day-to-day running of their services to their customers. They would not allow that to distract us.

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

    We beget customers that are informed and they furthermore beget the ones that are going about trying to beget their dreams Come redress in Nigeria. They beget about 15 million customers. Those people don’t beget the extravagance of reading newspapers. They furthermore beget a relationship with MTN in terms of providing services that aid transform people’s life. So, the development didn’t repercussion on the brand. People are now more informed and they can bewitch informed decisions. In my opinion, their customers believe that this is an issue that has to live resolved and that their monies are safe.

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

    This is talking to each and every stakeholders in every sector of the economy: private sector, public sector, regulators even alien investors as well. Of course, Nigeria is no longer isolated from activities in the global economy. Of course, with the expand in interest rate in the United States, it means there is going to live pressure to retain alien investors in Nigeria, which they depend on. In terms of what they must do, firstly is that they must ensure there is stability – monetary stability and stability in their oil production. But then, there is another thing – the rule of law, which is very key. They 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, search at Nigeria Interbank Settlement System payment platform, search at the Bank Verification Number, you can even search at the fact that people are using their mobile phones to drive their businesses and so on. You can descry the potential. So those are the things they necessity to do. So, those are fundamentals. If there is transparency, trust, reduction in corruption, despite concerns of elections, people will quiet bring money in. Of course, people are quiet going to bring in money during election. So, it is about ensuring that there is stable environment for people to continue to accomplish their trade and money will retain coming in.

    KPMG’s recent 2018 customer survey rated Diamond Bank as one of the top five SME Customer Banks in Nigeria. Can you discourse 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 their major focus locality for us in the bank, and they beget deployed a lot of resources towards growing that SMEs space. They call it emerging trade in Diamond Bank. And that’s because if you search at the economy, 70 per cent of repercussion in the economy is coming from diminutive and medium scale enterprises (SMEs). So, they deploy a lot services. Now, they are on a growth trajectory. What accomplish they require? Access to finance, access to market, capacity building, networking. And so, they beget deliberately tried to ensure they meet those needs. And again, another challenge in that sector is lending which is why their collaboration with Women’s World Banking is what they are using now to beget positive they meet the needs of companies and individuals in that sector. So, they are now using the cashflow lending nature of proposition to storm that sector. What does this accomplish for us? They are quiet having collateral, but they are more flexible. They beget three focus areas they lend to – agriculture, education and health. So, if I Come to your hospital and you don’t beget collateral, you beget materiel that I can utilize as collateral. If you are school, there are computers in the school and other things. Normally, the traditional benevolent of lending you will not utilize such things because those things you may feel you may not live able to realise. But what the cashflow does for you is they search at the pattern of your trade and how your cash actually flows. So, they are deploying a lot of that strategy to beget positive they give them financing. Then in terms of capacity building, because what you find out from SMEs is that they necessity learning on how to hasten their businesses. They beget an alliance with Lagos trade School through their Enterprise development Centre. And over the years, they beget continued to train entrepreneurs, supporting them with education on how to hasten their businesses, giving them skills that they belief they require to hasten their businesses. Now, beyond that, what they used to accomplish was furthermore to travel round and educate their SMEs. That’s portion of their non-financial services. They educate them on ow to hasten their business. They beget an SME zone in Diamond Bank where their customers can travel and educate themselves on different things – human resources, monetary management and each and every of that. They believe once they can spread the SMEs training each and every over the country, it would really give us the edge that they require to grow that sector of the economy.

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

    They complain about collecting money from banks is because of security. Indeed, you beget to live positive that whoever you giving money to would pay you back the money. Of course, if they don’t pay you back, your final route out is the security and many of them don’t have. This is why I explained what they are doing with Women World Banking to ease that challenge. So, they are lending based on your cashflow. The only challenge with that is that because they necessity to descry the cash flows, it’s not available to newfangled 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, each and every I necessity is to bewitch your cash register, search at your pattern of payment and lend you based on how your money comes to you. That challenge is being addressed by their cash rush lending.

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

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

    You talked about transformation and my worry is you appear to live signing a lot partnership with alien organisations. You made mention of MTN. How would shareholders profit from majority of these?

    If you search at what is going on in the world today, you will find out that banks are under attack. This happens every day. People are genesis to either accomplish 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 accomplish as a bank? There is a capability that banks beget 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 trade model may no longer live sustainable in the nearest future.  We beget this philosophy that says beyond banking, they beget to accomplish more for their customers. Now am I going to lend to each and every benevolent of persons or how can they ally to deliver the outcomes. That is because people don’t keeping about banking but outcome. They want to travel to the movies, they want to beget phones calls, they want to buy a house. So, if you want to talk to someone, you necessity to buy airtime. So, they decided to ally the telcos. So, the future for any trade is the platform and you must accomplish things to drive people to your platform. So for collaboration for a people business, you search at platform capable of delivering services. You search at the quality of your collaboration, number of people on the platform and the quality of partnership. So, they are in that trade of partnering with people to ensure their platform is robust and they are able to accomplish more for their customers. They belief that Nigeria has a huge population of men and women. They ally with the Women World Banking with a vision to score sizeable number of women globally financially included, they ally together Nigeria is a astronomical market. To gain more people, they necessity technology to accomplish that. There are many monetary and non-financial partnerships that they are genesis to establish because they know that the future businesses is sharing and collaboration. But to accomplish that will beget a platform that technology driven and robust. So, no man is an island. If you are in trade that is connected to the world, not connected for others to profit maximally from, you cannot live a one stop shop for people. I want people to know that either through my mobile phone or myself they beget a gateway, they don’t beget to travel to too many places. That is why they are on this journey. It is just enjoy diminutive businesses, nobody is going to give you money if you beget 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 gainsay you won’t know how to deal with it because there is no market. For us, if they don’t build a platform people can connect wherever they are in the world.  That is what they are building because that is what their customers demand. They are in mobile-driven economy.

    You talked about mobile economy. If you search at a country enjoy Kenya, the Telcos are the ones driving mobile money. In Nigeria, you determine that it is mostly the banks that accomplish that. What is Diamond Bank doing in respect of monetary inclusion? accomplish you arbitrator the banks or telcos should drive monetary inclusion in the country or partnership would live the best one?

    It is definitely partnership and not about capability. You should furthermore search at how telcos became the paramount monetary 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 accomplish anything then were the telcos. People furthermore forget that government was furthermore a major shareholder in Safaricom. So, they had the regulation that allowed it to happen. But in Nigeria, things are completely different. Their payment platform is more advanced than even Kenya. Ours has been existent time online a long time ago. It meant that there was no plot for mobile money. Mobile money is a glorified transfer system. S, monetary inclusion won’t toil with bank lonely because they are not going to travel to many places. Telcos can never provide the sophistication. Banking is about trust, managing risk, convenience. So, the only route to live competitive is partnership. So, beyond the telcos, you necessity other people who beget developed other trade solutions in the world to live on the platform.

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

    But if they are each and every moving into technology, they furthermore necessity to search at the vulnerabilities, which is the question of cyber-attacks. What are the defense mechanism to ensure that customers are protected?

    You rescue your defenses round where your transactions are. Twenty years ago, if you travel to a branch, you will descry 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 vital to us at Diamond Bank. Not only accomplish they beget in-house security, they furthermore outsource security as well because security involves experts. They beget experts that retain checking their systems against vulnerabilities. Technology furthermore gives security. For example, BVN is more secured than my signature. Anybody can forge my signature, but nobody can forge my BVN. So, they are making positive that they are building that trust on each and every their channels. They beget even gone one step further by using robotics to ensure that the back office is moving at the same pace. So, working with Deliotte, they beget automated one of the most complicated automated systems and their customers are enjoying successful transactions.   



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    FSMTB [1 Certification Exam(s) ]
    Fujitsu [2 Certification Exam(s) ]
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    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) ]
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    IBM [1530 Certification Exam(s) ]
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    Microsoft [368 Certification Exam(s) ]
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    Misc [1 Certification Exam(s) ]
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    Quality-Assurance [7 Certification Exam(s) ]
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    RedHat [8 Certification Exam(s) ]
    RES [5 Certification Exam(s) ]
    Riverbed [8 Certification Exam(s) ]
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    SASInstitute [15 Certification Exam(s) ]
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    SCP [6 Certification Exam(s) ]
    SDI [3 Certification Exam(s) ]
    See-Beyond [1 Certification Exam(s) ]
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    SOA [15 Certification Exam(s) ]
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    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






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