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Research-driven insights to boost your business IQ. | IBM
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.kTzbFm{height:50px;background-color:#ffffff;width:100%;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-box-pack:justify;-webkit-justify-content:space-between;-ms-flex-pack:justify;justify-content:space-between;border-bottom:1px solid #c7c7c7;position:fixed;z-index:7998;-webkit-transition:top 200ms ease-in-out;transition:top 200ms ease-in-out;} /* sc-component-id: GlobalHeader-styled__IBMHome-sc-6f254468-1 */ @media (max-width:440px){.dVuAjJ{margin-left:0px !important;}} /* sc-component-id: GlobalHeader-styled__Actions-sc-6f254468-4 */ .gzVrlJ{padding-right:20px;} @media (max-width:420px){.gzVrlJ{padding-right:0px;}} .gzVrlJ .cds--header-panel{background-color:#ffffff;} .gzVrlJ .cds--header-panel--expanded{inline-size:24rem;} @media (max-width:672px){.gzVrlJ .cds--header-panel--expanded{inline-size:100%;}} .gzVrlJ .cds--btn--icon-only{background-color:#ffffff;} .gzVrlJ .cds--side-nav__item{list-style:none;} .gzVrlJ .cds--side-nav__item .cds--side-nav__menu .cds--side-nav__menu-item{padding-left:0;} .gzVrlJ .cds--side-nav__item .cds--side-nav__menu .cds--side-nav__menu-item::before{display:none;} /* sc-component-id: GlobalHeader-styled__ActionsWrapper-sc-6f254468-5 */ .cYhUHa{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;} .cYhUHa .cds--popover-container .cds--popover span{display:none;} .cYhUHa .cds--popover-container .cds--popover .cds--popover-caret{display:none;} /* sc-component-id: GlobalHeader-styled__InvisibleBlock-sc-6f254468-6 */ .hxleov{display:block;height:100px;} /* sc-component-id: Search-styled__SearchWrapper-sc-feea30d5-0 */ .gvTGvJ{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;max-width:250px;} @media (max-width:405px){.gvTGvJ{max-width:230px;}} @media (max-width:385px){.gvTGvJ{max-width:210px;}} @media (max-width:365px){.gvTGvJ{max-width:190px;}} @media (max-width:345px){.gvTGvJ{max-width:165px;}} .gvTGvJ #ibv-search-bar,.gvTGvJ .cds--search-close{-webkit-block-size:3.05rem;-ms-flex-block-size:3.05rem;block-size:3.05rem;} /* sc-component-id: AnchorNavigationMenu-styled__MainDiv-sc-e02c7243-3 */ .cbxlQC{z-index:1;width:16.5625rem;position:fixed;top:10rem;margin-left:-1rem;font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;display:none;} @media (min-width:1056px) and (max-width:px){} @media (min-width:px){} @media (max-width:1055px){.cbxlQC{display:none;}}.dlfvvD{z-index:1;width:auto;position:fixed;top:13.875rem;margin-left:100;font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;display:none;} @media (min-width:1056px) and (max-width:nullpx){.dlfvvD{width:null;}} @media (min-width:px){} @media (max-width:1055px){.dlfvvD{display:none;}}.heErZP{z-index:1;width:22%;position:fixed;top:13.875rem;margin-left:100;font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;display:none;} @media (min-width:1056px) and (max-width:nullpx){.heErZP{width:null;}} @media (min-width:nullpx){.heErZP{width:null;}} @media (max-width:1055px){.heErZP{display:none;}}.bvdlmf{z-index:1;width:265px;position:fixed;top:152px;margin-left:-1rem;font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;display:none;} @media (min-width:1056px) and (max-width:px){} @media (min-width:px){} @media (max-width:1055px){.bvdlmf{display:none;}}.kVLQDe{z-index:1;width:403px;position:fixed;top:200px;margin-left:-1rem;font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;display:none;} @media (min-width:1056px) and (max-width:1584px){.kVLQDe{width:286px;}} @media (min-width:px){} @media (max-width:1055px){.kVLQDe{display:none;}}.hrCglQ{z-index:1;width:12rem;position:fixed;top:4rem;margin-left:-1rem;font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;display:none;} @media (min-width:1056px) and (max-width:px){} @media (min-width:px){} @media (max-width:1055px){.hrCglQ{display:none;}}.eXanBh{z-index:1;width:12rem;position:fixed;top:222px;margin-left:-32px;font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;display:none;} @media (min-width:1056px) and (max-width:px){} @media (min-width:px){} @media (max-width:1055px){.eXanBh{display:none;}}.hPTWRU{z-index:1;width:248px;position:fixed;top:4rem;margin-left:-1rem;font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;display:none;} @media (min-width:1056px) and (max-width:px){} @media (min-width:px){} @media (max-width:1055px){.hPTWRU{display:none;}}.MOrrD{z-index:1;width:16.5625rem;position:fixed;top:14rem;margin-left:-1rem;font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;display:none;} @media (min-width:1056px) and (max-width:px){} @media (min-width:px){} @media (max-width:1055px){.MOrrD{display:none;}}.kZInmH{z-index:1;width:403px;position:fixed;top:100px;margin-left:-1rem;font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;display:none;} @media (min-width:1056px) and (max-width:1584px){.kZInmH{width:286px;}} @media (min-width:px){} @media (max-width:1055px){.kZInmH{display:none;}} /* sc-component-id: AnchorNavigationMenu-styled__MenuDiv-sc-e02c7243-4 */ .OYzUe{padding-top:2.5rem;padding-bottom:2.5rem;padding-left:1rem;} /* sc-component-id: AnchorNavigationMenu-styled__MenuItemDiv-sc-e02c7243-5 */ .iwKfam{display:grid;min-height:2.6875rem;}.logkcq{display:grid;min-height:43px;}.cUyELx{display:grid;min-height:52px;}.gnPczX{display:grid;min-height:64px;}.jGlONJ{display:grid;min-height:48px;} /* sc-component-id: AnchorNavigationMenu-styled__MenuItemAnchor-sc-e02c7243-6 */ .cTFkUU{border-left:0.25rem solid #e0e0e0;color:#393939;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;padding-top:0.5rem;padding-bottom:0.5rem;padding-left:1rem;font-size:1rem;font-weight:300;-webkit-letter-spacing:0.01rem;-moz-letter-spacing:0.01rem;-ms-letter-spacing:0.01rem;letter-spacing:0.01rem;line-height:1.5rem;} .cTFkUU:hover{border-left:0.25rem solid #cacaca;color:#393939;font-weight:400;cursor:pointer;}.ePvbfh{border-left:0.25rem solid #e0e0e0;color:#393939;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;padding-top:0.5rem;padding-bottom:0.5rem;padding-left:1rem;font-size:0.75rem;font-weight:300;-webkit-letter-spacing:0.01rem;-moz-letter-spacing:0.01rem;-ms-letter-spacing:0.01rem;letter-spacing:0.01rem;line-height:1.5rem;} .ePvbfh:hover{border-left:0.25rem solid #cacaca;color:#393939;font-weight:400;cursor:pointer;} /* sc-component-id: EditorWarning__Wrap-sc-8fa4e55c-0 */ .jTrWnE{padding:0;margin:0;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;max-width:100%;} /* sc-component-id: LoadingSpinner__Loader-sc-9199ec61-0 */ .kfeunL{margin:auto;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;width:100%;height:100%;min-height:20rem;} .kfeunL > *{margin:auto;width:5rem;height:5rem;} /* sc-component-id: BookmarkIconButton__StyledButton-sc-f5b935d-0 */ .iIqyjZ{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-box-pack:center;-webkit-justify-content:center;-ms-flex-pack:center;justify-content:center;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;} .iIqyjZ > svg{text-align:center;margin:16px;}.kLRXAL{color:white;border-color:white;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-box-pack:center;-webkit-justify-content:center;-ms-flex-pack:center;justify-content:center;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;} .kLRXAL > svg{text-align:center;margin:16px;}.cJdgFl{color:#0f62fe;border-color:#0f62fe;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-box-pack:center;-webkit-justify-content:center;-ms-flex-pack:center;justify-content:center;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;} .cJdgFl > svg{text-align:center;margin:16px;} /* sc-component-id: ShareIconButton__ShareIconButtonDropdown-sc-6875d75b-0 */ .iZGggj{display:-webkit-inline-box;display:-webkit-inline-flex;display:-ms-inline-flexbox;display:inline-flex;} /* sc-component-id: ShareIconButton__ShareButton-sc-6875d75b-1 */ .ixwhzi{height:48px;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-box-pack:center;-webkit-justify-content:center;-ms-flex-pack:center;justify-content:center;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;} .ixwhzi > svg{text-align:center;margin:16px;}.eerBvC{height:48px;color:white;border-color:white;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-box-pack:center;-webkit-justify-content:center;-ms-flex-pack:center;justify-content:center;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;} .eerBvC > svg{text-align:center;margin:16px;}.gMPewH{height:48px;color:#0f62fe;border-color:#0f62fe;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-box-pack:center;-webkit-justify-content:center;-ms-flex-pack:center;justify-content:center;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;} .gMPewH > svg{text-align:center;margin:16px;} /* sc-component-id: BasicLeadspace-styled__BreadcrumbWrapper-sc-47a5eb8b-0 */ .bANPBr{font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-size:0.875rem;font-weight:400;line-height:1.5rem;width:100%;} @media (min-width:672px){.bANPBr{font-size:1rem;}} .bANPBr > *{font-size:0.875rem;font-weight:400;line-height:1.5rem;margin-right:0.25rem;} @media (min-width:672px){.bANPBr > *{font-size:1rem;}} .bANPBr a span{font-size:0.875rem;font-weight:400;line-height:1.5rem;margin-right:0.25rem;} @media (min-width:672px){.bANPBr a span{font-size:1rem;}} .bANPBr > *:after{font-size:0.875rem;font-weight:400;line-height:1.5rem;content:'/';margin-left:0.25rem;display:inline-block;color:#000000;} @media (min-width:672px){.bANPBr > *:after{font-size:1rem;}} @media (min-width:672px){.bANPBr > *:after{display:inline;}} .bANPBr > *:last-child:after{font-size:0.875rem;font-weight:400;line-height:1.5rem;content:'';color:none !important;} @media (min-width:672px){.bANPBr > *:last-child:after{font-size:1rem;}} /* sc-component-id: BasicLeadspace-styled__ButtonContainer-sc-47a5eb8b-1 */ .dNBPqL #action-button-set{width:100% !important;} @media (min-width:672px){.dNBPqL #action-button-set > a{width:22rem;}} .dNBPqL .cds--btn.cds--btn--primary{margin-right:1rem !important;} @media (min-width:878px){.dNBPqL #action-button-interaction-button-break{display:unset;}} @media (min-width:943px){.dNBPqL #action-button-interaction-button-break{display:none;}} @media (min-width:1056px){.dNBPqL #action-button-interaction-button-break{display:unset;}} @media (min-width:1315px){.dNBPqL #action-button-interaction-button-break{display:none;}} /* sc-component-id: BasicLeadspace-styled__TextContainer-sc-47a5eb8b-3 */ .ilnRYk{padding-top:4rem;padding-bottom:2rem;} @media (min-width:1056px){.ilnRYk{padding-top:2.5rem;padding-bottom:3rem;}} /* sc-component-id: BasicLeadspace-styled__Title-sc-47a5eb8b-4 */ .gyoWkg{font-size:2.5rem;font-weight:300;line-height:3rem;padding-bottom:1rem;padding-right:4rem;} @media (min-width:672px){.gyoWkg{font-size:3.375rem;line-height:4rem;padding-right:unset;}} /* sc-component-id: BasicLeadspace-styled__Wrapper-sc-47a5eb8b-5 */ .dDEKMR{position:relative;padding:1.5rem 0rem 0rem 0rem;} @media (min-width:1056px){.dDEKMR{padding:2rem 0rem 3rem 0rem;}} /* sc-component-id: MLinkCard__MarketingLinkCardDiv-sc-75815c78-0 */ .hDKFhu{background:#f4f4f4;min-height:250px;} .hDKFhu:hover{background:#e5e5e5;cursor:pointer;} @media (max-width:671px){.hDKFhu{min-height:unset;}} /* sc-component-id: MLinkCard__MarketingLinkCardTitle-sc-75815c78-1 */ .cmqebE{font-family:IBM Plex Sans,'Helvetica Neue',Arial,sans-serif;font-size:20px;color:#161616;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:26px;margin-top:17px;margin-right:32px;min-height:60px;} @media (max-width:671px){.cmqebE{font-family:IBMPlexSans-SemiBold,'Helvetica Neue',Arial,sans-serif;margin-top:16px;margin-left:0px;margin-bottom:32px;min-height:unset;}} /* sc-component-id: MLinkCard__MarketingLinkCardContent-sc-75815c78-2 */ .fxHoEI{font-family:IBM Plex Sans,'Helvetica Neue',Arial,sans-serif;font-size:16px;color:#161616;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:24px;margin-right:32px;margin-bottom:16px;} @media (max-width:671px){.fxHoEI{font-family:IBMPlexSans,'Helvetica Neue',Arial,sans-serif;font-size:16px;color:#171717;-webkit-letter-spacing:0.16px;-moz-letter-spacing:0.16px;-ms-letter-spacing:0.16px;letter-spacing:0.16px;margin-right:-9px;}} /* sc-component-id: MLinkCard__Content-sc-75815c78-3 */ .ghTIQT{padding:0 16px 8px 16px;} /* sc-component-id: MLinkCard__Row-sc-75815c78-4 */ .clOuJT{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-box-pack:start;-webkit-justify-content:flex-start;-ms-flex-pack:start;justify-content:flex-start;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;margin-bottom:14px;margin-top:0px;padding:0 16px 0 16px;} /* sc-component-id: MLinkCard__RightArrow-sc-75815c78-5 */ .jGwxBK{-webkit-box-flex:1;-webkit-flex-grow:1;-ms-flex-positive:1;flex-grow:1;text-align:left;margin-left:4px;font-size:25px;color:#0062ff;} .jGwxBK img{float:left;} /* sc-component-id: MarketingLinks__MLinkMobile-sc-aaf32a91-0 */ .hbghPu{display:block !important;} @media (min-width:672px){.hbghPu{display:none !important;}} /* sc-component-id: MarketingLinks__MLinkDesktop-sc-aaf32a91-1 */ .eUxUhH{display:block !important;} @media (max-width:671px){.eUxUhH{display:none !important;}} /* sc-component-id: MarketingLinks__TitleAboveDiv-sc-aaf32a91-2 */ .dNeYgR{display:none;} @media (min-width:1056px){.dNeYgR{display:block;font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-weight:300;font-size:32px;color:#161616;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:40px;width:277px;margin-bottom:2.53rem;}} /* sc-component-id: MarketingLinks__MarketingLinkTitle-sc-aaf32a91-3 */ .hbhwSI{font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-weight:300;font-size:32px;color:#161616;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:40px;width:277px;} @media (max-width:1058px){.hbhwSI{width:unset;font-size:28px;line-height:36px;margin-bottom:26px;}} @media (min-width:1056px){.hbhwSI{display:none;}}.kmznQf{font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-weight:300;font-size:32px;color:#161616;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:40px;width:277px;} @media (max-width:1058px){.kmznQf{width:unset;font-size:28px;line-height:36px;margin-bottom:26px;}} @media (min-width:1056px){.kmznQf{display:unset;}}.jhJvBj{font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-weight:300;font-size:32px;color:#161616;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:40px;width:277px;} @media (max-width:1058px){.jhJvBj{width:unset;font-size:32px;line-height:36px;margin-bottom:26px;}} @media (min-width:1056px){.jhJvBj{display:unset;}} /* sc-component-id: ScrollingDownloadButton-styled__MainDiv-sc-218c2223-0 */ .bGTkde{z-index:1;width:16.75rem;position:fixed;top:30rem;margin-top:2rem;font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;margin-left:unset;display:none;} @media (min-width:1056px) and (max-width:px){.bGTkde{width:14.5rem;top:8.75rem;}} .bGTkde a{-webkit-align-self:baseline;-ms-flex-item-align:baseline;align-self:baseline;} .bGTkde a:not(:first-child){margin-top:1rem;} @media (max-width:1055px){.bGTkde{display:none;}}.kEEDzh{z-index:1;width:268px;position:fixed;top:500px;margin-top:2rem;font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;margin-left:unset;display:none;} @media (min-width:1056px) and (max-width:px){.kEEDzh{width:14.5rem;top:8.75rem;}} .kEEDzh a{-webkit-align-self:baseline;-ms-flex-item-align:baseline;align-self:baseline;} .kEEDzh a:not(:first-child){margin-top:1rem;} @media (max-width:1055px){.kEEDzh{display:none;}}.dClGBF{z-index:1;width:326px;position:fixed;top:408px;margin-top:2rem;font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;margin-left:unset;display:none;} @media (min-width:1056px) and (max-width:1340px){.dClGBF{width:252px;top:390px;}} .dClGBF a{-webkit-align-self:baseline;-ms-flex-item-align:baseline;align-self:baseline;} .dClGBF a:not(:first-child){margin-top:1rem;} @media (max-width:1055px){.dClGBF{display:none;}}.hDkMXx{z-index:1;width:288px;position:fixed;top:200px;margin-top:2rem;font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;margin-left:-20px;display:none;} @media (min-width:1056px) and (max-width:px){.hDkMXx{width:14.5rem;top:8.75rem;}} .hDkMXx a{-webkit-align-self:baseline;-ms-flex-item-align:baseline;align-self:baseline;} .hDkMXx a:not(:first-child){margin-top:1rem;} @media (max-width:1055px){.hDkMXx{display:none;}}.gyVWLE{z-index:1;width:288px;position:fixed;top:432px;margin-top:2rem;font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;margin-left:-20px;display:none;} @media (min-width:1056px) and (max-width:px){.gyVWLE{width:14.5rem;top:8.75rem;}} .gyVWLE a{-webkit-align-self:baseline;-ms-flex-item-align:baseline;align-self:baseline;} .gyVWLE a:not(:first-child){margin-top:1rem;} @media (max-width:1055px){.gyVWLE{display:none;}}.dgESCJ{z-index:1;width:268px;position:fixed;top:360px;margin-top:2rem;font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;margin-left:unset;display:none;} @media (min-width:1056px) and (max-width:px){.dgESCJ{width:14.5rem;top:8.75rem;}} .dgESCJ a{-webkit-align-self:baseline;-ms-flex-item-align:baseline;align-self:baseline;} .dgESCJ a:not(:first-child){margin-top:1rem;} @media (max-width:1055px){.dgESCJ{display:none;}}.eyVUTx{z-index:1;width:326px;position:fixed;top:408px;margin-top:2rem;font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;margin-left:unset;display:none;} @media (min-width:1056px) and (max-width:1584px){.eyVUTx{width:266px;top:436px;}} .eyVUTx a{-webkit-align-self:baseline;-ms-flex-item-align:baseline;align-self:baseline;} .eyVUTx a:not(:first-child){margin-top:1rem;} @media (max-width:1055px){.eyVUTx{display:none;}} /* sc-component-id: ScrollingDownloadButton-styled__FullReportBox-sc-218c2223-1 */ .crJeEg{background-color:#0062FF;border-color:#0062ff;outline-color:#0062ff;border:0.0625rem solid;text-align:left;color:#ffffff;cursor:pointer;box-sizing:border-box;font-size:0.875rem;-webkit-letter-spacing:0.01rem;-moz-letter-spacing:0.01rem;-ms-letter-spacing:0.01rem;letter-spacing:0.01rem;line-height:1.125rem;min-height:3rem;padding:1rem 1.125rem 1rem 1rem;text-align:left;-webkit-text-decoration:none;text-decoration:none;-webkit-transition:border 0.3s,color 0.3s,background-color 0.3s;transition:border 0.3s,color 0.3s,background-color 0.3s;white-space:normal;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-box-pack:justify;-webkit-justify-content:space-between;-ms-flex-pack:justify;justify-content:space-between;} .crJeEg span{display:inline-block;margin:auto 0;font-size:0.875rem;-webkit-letter-spacing:0.01rem;-moz-letter-spacing:0.01rem;-ms-letter-spacing:0.01rem;letter-spacing:0.01rem;line-height:1.125rem;} .crJeEg > i{width:1.175rem;display:inline-block;margin-left:1.25rem;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;} .crJeEg > i > img{height:0.75rem;width:0.9375rem;margin-left:-0.125rem;} .crJeEg:hover{color:#ffffff;background-color:#0354E9;} .crJeEg:hover > i > img{-webkit-filter:invert(100%) sepia(0%) saturate(2%) hue-rotate(345deg) brightness(100) contrast(101%);filter:invert(100%) sepia(0%) saturate(2%) hue-rotate(345deg) brightness(100) contrast(101%);}.bndSVd{background-color:#ffffff;border-color:#0062ff;outline-color:#0062ff;border:0.0625rem solid;text-align:left;color:#0062FF;cursor:pointer;box-sizing:border-box;font-size:0.875rem;-webkit-letter-spacing:0.01rem;-moz-letter-spacing:0.01rem;-ms-letter-spacing:0.01rem;letter-spacing:0.01rem;line-height:1.125rem;min-height:3rem;padding:1rem 1.125rem 1rem 1rem;text-align:left;-webkit-text-decoration:none;text-decoration:none;-webkit-transition:border 0.3s,color 0.3s,background-color 0.3s;transition:border 0.3s,color 0.3s,background-color 0.3s;white-space:normal;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-box-pack:justify;-webkit-justify-content:space-between;-ms-flex-pack:justify;justify-content:space-between;} .bndSVd span{display:inline-block;margin:auto 0;font-size:0.875rem;-webkit-letter-spacing:0.01rem;-moz-letter-spacing:0.01rem;-ms-letter-spacing:0.01rem;letter-spacing:0.01rem;line-height:1.125rem;} .bndSVd > i{width:1.175rem;display:inline-block;margin-left:1.25rem;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;} .bndSVd > i > img{height:0.75rem;width:0.9375rem;margin-left:-0.125rem;} .bndSVd:hover{color:#ffffff;background-color:#0062FF;} .bndSVd:hover > i > img{-webkit-filter:invert(100%) sepia(0%) saturate(2%) hue-rotate(345deg) brightness(100) contrast(101%);filter:invert(100%) sepia(0%) saturate(2%) hue-rotate(345deg) brightness(100) contrast(101%);}.jxNxwi{background-color:#393939;border-color:#0062ff;outline-color:#0062ff;border:0.0625rem solid;text-align:left;color:#ffffff;cursor:pointer;box-sizing:border-box;font-size:0.875rem;-webkit-letter-spacing:0.01rem;-moz-letter-spacing:0.01rem;-ms-letter-spacing:0.01rem;letter-spacing:0.01rem;line-height:1.125rem;min-height:3rem;padding:1rem 1.125rem 1rem 1rem;text-align:left;-webkit-text-decoration:none;text-decoration:none;-webkit-transition:border 0.3s,color 0.3s,background-color 0.3s;transition:border 0.3s,color 0.3s,background-color 0.3s;white-space:normal;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-box-pack:justify;-webkit-justify-content:space-between;-ms-flex-pack:justify;justify-content:space-between;} .jxNxwi span{display:inline-block;margin:auto 0;font-size:0.875rem;-webkit-letter-spacing:0.01rem;-moz-letter-spacing:0.01rem;-ms-letter-spacing:0.01rem;letter-spacing:0.01rem;line-height:1.125rem;} .jxNxwi > i{width:1.175rem;display:inline-block;margin-left:1.25rem;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;} .jxNxwi > i > img{height:0.75rem;width:0.9375rem;margin-left:-0.125rem;} .jxNxwi:hover{color:#ffffff;background-color:#000000;} .jxNxwi:hover > i > img{-webkit-filter:invert(100%) sepia(0%) saturate(2%) hue-rotate(345deg) brightness(100) contrast(101%);filter:invert(100%) sepia(0%) saturate(2%) hue-rotate(345deg) brightness(100) contrast(101%);} /* sc-component-id: CSuiteMenu2022__MegaLi-sc-49ecc721-0 */ .fjUQPH{display:none;position:absolute;top:50px;left:0;width:100%;min-height:319px;content:'';background-color:rgba(0,0,0,0.5);border-top:0px solid #dcdcdc;border-bottom:0px solid #dcdcdc;z-index:1;} @media (min-width:1056px){.fjUQPH{display:block;}} .fjUQPH .link{font-size:16px;} .fjUQPH .link a{padding:0 !important;background-color:transparent !important;color:inherit !important;cursor:pointer;} .fjUQPH .link a:hover{-webkit-text-decoration:underline !important;text-decoration:underline !important;} .fjUQPH .column{padding:0px 0px 0px 0px;} .fjUQPH .nav2{background-color:rgba(128,128,128,0.5);-webkit-flex:1;-ms-flex:1;flex:1;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:row;-ms-flex-direction:row;flex-direction:row;-webkit-box-pack:justify;-webkit-justify-content:space-between;-ms-flex-pack:justify;justify-content:space-between;} .fjUQPH .nav2 .columns2{margin:0 0 0 0;background-color:rgba(0,0,0,0.5);-webkit-flex:1 1;-ms-flex:1 1;flex:1 1;z-index:1;border-right:1px solid #c6c6c6;} .fjUQPH .nav2 .columns2 .columns2-item{min-height:319px;background-color:#c6c6c6;height:100%;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;} .fjUQPH .nav2 .row-item{width:100%;background-color:#f4f4f4;} @media (max-width:1055){.fjUQPH .nav2{-webkit-flex-basis:percentage(1/3);-ms-flex-preferred-size:percentage(1/3);flex-basis:percentage(1/3);}.fjUQPH .nav2--columns{-webkit-column-count:1;column-count:1;}} @media (max-width:671){.fjUQPH .nav2{-webkit-flex-basis:percentage(1/2);-ms-flex-preferred-size:percentage(1/2);flex-basis:percentage(1/2);}} .fjUQPH .links{-webkit-flex-basis:25%;-ms-flex-preferred-size:25%;flex-basis:25%;border-left:1px solid #dcdcdc;} @media (max-width:1055){.fjUQPH .links{-webkit-flex-basis:percentage(1/3);-ms-flex-preferred-size:percentage(1/3);flex-basis:percentage(1/3);}} @media (max-width:671){.fjUQPH .links{display:none;}} /* sc-component-id: CSuiteMenu2022__ColumnTitle-sc-49ecc721-1 */ .haqVlM{font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-weight:600;margin:0px;background-color:#dcdcdc;font-size:12px;padding:3px 0 10px 12px;height:48px;line-height:48px;color:#0064ff;} /* sc-component-id: CSuiteMenu2022__MegaLiMobile-sc-49ecc721-2 */ .ezqqZV{display:block;} @media (min-width:1056px){.ezqqZV{display:none;}} .ezqqZV span{height:28px;display:inline-block;line-height:21px;vertical-align:middle;margin-bottom:3px;margin-top:3px;} /* sc-component-id: CSuiteMenu2022__TitleDiv-sc-49ecc721-3 */ .igcLMU{font-size:20px;line-height:28px;color:#161616;background-image:url('');background-color:#c6c6c6;position:relative;background-repeat:no-repeat;background-position:right center;background-size:contain;} /* sc-component-id: CSuiteMenu2022__ImageDivWrapper-sc-49ecc721-4 */ .dXjxEM{border-right:1px solid #c6c6c6;width:240px;background-color:#ffffff;} /* sc-component-id: CSuiteMenu2022__CardArrow-sc-49ecc721-5 */ .iQBNJO{color:#0064ff !important;font-size:15px;-webkit-text-decoration:none !important;text-decoration:none !important;} .iQBNJO:after{content:'→';margin-left:5px;vertical-align:middle;} /* sc-component-id: CSuiteMenu2022__RowContent-sc-49ecc721-6 */ .kLlBUa{background-color:#f4f4f4;-webkit-text-decoration:none !important;text-decoration:none !important;padding:12px 32px 8px 22px;height:100%;} /* sc-component-id: CSuiteMenu2022__RowHead-sc-49ecc721-7 */ .SkkHH{position:relative;height:28px;} /* sc-component-id: CSuiteMenu2022__RowTitle-sc-49ecc721-8 */ .gkfIsj{font-size:20px;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:28px;} /* sc-component-id: CSuiteMenu2022__RowSubTitle-sc-49ecc721-9 */ .egQrAE{font-size:12px;-webkit-letter-spacing:0.32px;-moz-letter-spacing:0.32px;-ms-letter-spacing:0.32px;letter-spacing:0.32px;line-height:16px;} /* sc-component-id: CSuiteMenu2022__LinkBar-sc-49ecc721-10 */ .hwXofR{display:inline-block;padding:0 !important;position:absolute;top:-30px;left:50px;} .hwXofR:hover{-webkit-text-decoration:none !important;text-decoration:none !important;cursor:pointer;} .hwXofR:focus{outline:none;} .hwXofR img{margin-left:5px;width:12.5px;}.cOBlDD{display:inline-block;padding:0 !important;position:absolute;top:-30px;left:50px;} .cOBlDD:hover{-webkit-text-decoration:none !important;text-decoration:none !important;cursor:pointer;} .cOBlDD:focus{outline:none;} .cOBlDD img{margin-left:50px;width:12.5px;} /* sc-component-id: CSuiteMenu2022__LearnMore-sc-49ecc721-11 */ .dVnqet{display:inline-block;padding:0 !important;} .dVnqet:hover{-webkit-text-decoration:none !important;text-decoration:none !important;cursor:pointer;} .dVnqet:focus{outline:none;} /* sc-component-id: MegaMenuNew__MegaLiMobile-sc-2ffab60b-2 */ .kDekpQ{display:block;} @media (min-width:1056px){.kDekpQ{display:none;}} .kDekpQ .link a{line-height:1.625rem;height:unset;} .kDekpQ .mega-menu-link:hover{padding-bottom:0px !important;} /* sc-component-id: NavigationNew__Navigation-sc-7c011466-0 */ .hPfkXy{z-index:102;width:100%;position:fixed;-webkit-transition:top 200ms ease-in-out;transition:top 200ms ease-in-out;} /* sc-component-id: NavigationNew__SitenavMenuContainer-sc-7c011466-1 */ .efZFwP{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-wrap:wrap;-ms-flex-wrap:wrap;flex-wrap:wrap;padding:0 0 0 0px;} @media (max-width:1054px){.efZFwP{border-bottom:4px solid #056dff;}} /* sc-component-id: NavigationNew__ShareSubscribe-sc-7c011466-2 */ .bODzAY{background-color:#595555;height:48px;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;-webkit-box-pack:justify;-webkit-justify-content:space-between;-ms-flex-pack:justify;justify-content:space-between;width:280px;} @media (max-width:1368px){.bODzAY{width:100%;}} @media (max-width:1055px){.bODzAY{padding-left:20px !important;}} .bODzAY *:first-child{width:30%;background-color:#595555;padding-left:30px !important;padding-top:10px;padding-bottom:7px;} .bODzAY *:first-child a{font-size:15px;color:#ffffff;-webkit-letter-spacing:0.12px;-moz-letter-spacing:0.12px;-ms-letter-spacing:0.12px;letter-spacing:0.12px;line-height:16px;margin-bottom:4px !important;background-color:#595555;margin-right:17px;} @media (max-width:1124px) and (min-width:1056px){.bODzAY *:first-child a{margin-right:9px !important;}} .bODzAY *:last-child{width:75%;margin:0;background-color:#0062ff;text-align:center;} .bODzAY *:last-child a#subscribeButton.button-primary{width:100%;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;height:48px;padding-bottom:0px;padding-top:0px;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;padding-right:10px;font-size:16px;} .bODzAY *:last-child a#subscribeButton.button-primary img{margin-left:0;padding:3px 18px 6px 15px;max-width:43%;height:77%;} @media (max-width:1099px){.bODzAY *:last-child a#subscribeButton.button-primary img{padding-right:10px;}} @media (max-width:1124px) and (min-width:1100px){.bODzAY *:last-child a#subscribeButton.button-primary img{padding-right:20px;}} /* sc-component-id: NavigationNew__Nav-sc-7c011466-3 */ .hDBzOq{background-color:#ffffff;position:unset !important;border-bottom:3px solid #056dff;padding-left:50px;} @media (max-width:1223px){.hDBzOq{padding-left:0px;}} .hDBzOq li{font-size:12px;} @media (max-width:1055px){.hDBzOq{display:none;}} /* sc-component-id: NavigationNew__MobileMenuLi-sc-7c011466-4 */ @media (min-width:1050px){.fEPGvS{display:none;}} /* sc-component-id: SectionConnect__ConnectDiv-sc-bf6a3d31-0 */ @media (max-width:671px){.kFnPZF{margin-left:0px;margin-right:0px;}} /* sc-component-id: SectionConnect__SectionTitleDiv-sc-bf6a3d31-1 */ .tTRZA{font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-weight:300;font-size:28px;color:#161616;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:36px;padding-left:16px;} @media (max-width:1055px){.tTRZA{font-size:28px;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:36px;}} /* sc-component-id: SectionConnect__ConnectCardDiv-sc-bf6a3d31-2 */ .hWXqGI{background:#f4f4f4;min-height:148px;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;-webkit-box-pack:justify;-webkit-justify-content:space-between;-ms-flex-pack:justify;justify-content:space-between;padding:15px;cursor:pointer;overflow:auto;font-size:16px;color:#171717;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:24px;} .hWXqGI:hover{background:#e5e5e5;} @media (max-width:1055px){} /* sc-component-id: SectionConnect__ConnectCardTitleDiv-sc-bf6a3d31-3 */ .jOceYa{padding-top:16px;font-family:'IBM Plex Sans','Helvetica 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.cWGKOT{display:none;overflow:none;overflow-y:none;position:fixed;top:0;left:0;min-height:100vh;padding-right:12px;width:100vw;z-index:9999;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;-webkit-box-pack:center;-webkit-justify-content:center;-ms-flex-pack:center;justify-content:center;} @media (max-width:280px){.cWGKOT{width:115vw;min-height:115vh;}}.kfNoyK{display:none;overflow:none;overflow-y:none;position:fixed;top:0;left:0;min-height:100vh;padding-right:0px;width:100vw;z-index:9999;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;-webkit-box-pack:center;-webkit-justify-content:center;-ms-flex-pack:center;justify-content:center;} @media 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(max-width:280px){.iubwKL{margin-right:8px;}}.eDbZwx{background:unset;position:relative;margin:16px;z-index:10000;height:60vh;} @media (max-width:280px){.eDbZwx{margin-right:8px;}}.UUvXr{background:#F4F4F4;position:relative;margin:16px;z-index:10000;height:60vh;} @media (max-width:280px){.UUvXr{margin-right:8px;}} /* sc-component-id: Modal__Close-sc-940e1d73-3 */ .xJkum{position:absolute;height:16px;width:16px;content:'';top:20px;right:20px;cursor:pointer;} .xJkum:hover{outline:1px solid #272727;outline-offset:2px;} /* sc-component-id: Components__StyledModal-sc-ed773f6b-0 */ .fjZQjF{max-width:600px;} @media (max-width:930px){.fjZQjF{display:none !important;}} /* sc-component-id: Components__LoginModalHead-sc-ed773f6b-1 */ .hDSthx{background-color:#565656;color:#d8d8d8;font-family:IBM Plex Sans;width:100%;height:135px;} /* sc-component-id: Components__LoginModalHeadSubtitle-sc-ed773f6b-2 */ .fDkUPu{padding:18px 18px 11px 18px;font-family:IBM Plex Sans,Helvetica Neue,Arial,sans-serif;font-weight:300;font-size:20px;color:#bebebe;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:26px;} /* sc-component-id: Components__LoginModalHeadTitle-sc-ed773f6b-3 */ .clcTXJ{padding:0px 20px;font-family:IBM Plex Sans,Helvetica Neue,Arial,sans-serif;font-weight:300;font-size:32px;color:#ffffff;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:40px;} /* sc-component-id: Components__LoginModalActions-sc-ed773f6b-6 */ .jBavHb{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-items:stretch;-webkit-box-align:stretch;-ms-flex-align:stretch;align-items:stretch;} .jBavHb > *{width:264px;background:transparent;border:0;text-align:left;padding:20px;-webkit-appearance:none;-moz-appearance:none;appearance:none;} .jBavHb > * > span{display:block;height:100%;} /* sc-component-id: Components__W3LoginLink-sc-ed773f6b-11 */ .bTWOwf{background-color:#0062ff !important;border-color:#0062ff !important;outline-color:#0062ff !important;border:1px solid;margin-left:0px;min-width:160px;text-align:left;color:#fff;cursor:pointer;box-sizing:border-box;font-size:16px;line-height:20px;max-width:100%;min-width:120px;min-height:20px;padding:11px 18px;text-align:left;-webkit-text-decoration:none;text-decoration:none;-webkit-transition:border 0.3s,color 0.3s,background-color 0.3s;transition:border 0.3s,color 0.3s,background-color 0.3s;white-space:normal;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-box-pack:justify;-webkit-justify-content:space-between;-ms-flex-pack:justify;justify-content:space-between;width:264px;height:48px;} .bTWOwf:hover{background-color:#0354e9 !important;border-color:#0354e9 !important;outline-color:#0354e9 !important;-webkit-text-decoration:none;text-decoration:none;} .bTWOwf > i{height:24px;width:24px;display:inline-block;margin-left:20px;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;} .bTWOwf > i > img{width:19px;height:16px;} /* sc-component-id: Components__LoginModalMainSection-sc-ed773f6b-12 */ .jSTCpa{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex:1 1 1 296px;-ms-flex:1 1 1 296px;flex:1 1 1 296px;font-family:IBM Plex Sans;} /* sc-component-id: Components__FooterDiv-sc-ed773f6b-13 */ .kIJYCO{position:absolute;bottom:16px;height:160px;} /* sc-component-id: Components__SubscribeIdeaWatchSection-sc-ed773f6b-15 */ .cMXMpg{padding:16px;width:50%;font-size:16px;position:relative;background:#fff;min-height:500px;background-color:#dcdcdc;} .cMXMpg:hover > input{border-color:darken(#d8d8d8,10%);} .cMXMpg > input{display:block;border:none;border-bottom:3px solid #d8d8d8;background:transparent;margin-bottom:-20px;outline:none;padding-bottom:12px;width:45%;-webkit-transition:border-color 80ms $standard-productive;transition:border-color 80ms $standard-productive;} .cMXMpg > input:focus{border-width:3px;border-color:#0064ff;color:#0064ff;} /* sc-component-id: Components__LoginModalW3LoginSection-sc-ed773f6b-17 */ .gyRIYx{padding:16px 16px;width:50%;font-size:16px;position:relative;min-width:296px;background-color:#f3f3f3;} /* sc-component-id: Components__LoginModalDownArrowSection-sc-ed773f6b-18 */ .iIzcNl{margin-bottom:24px;position:relative;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;width:264px;font-size:20px;line-height:24px;} .iIzcNl > i{height:30px;width:38px;display:inline-block;margin-right:20px;} /* sc-component-id: Components__W3LoginSectionCell-sc-ed773f6b-20 */ .gkaViH{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;-webkit-flex:1 1 50%;-ms-flex:1 1 50%;flex:1 1 50%;cursor:text;padding:16px 0;margin-bottom:20px;padding:0 0;} .gkaViH > p{margin-bottom:0;padding:0;font-size:14px;} .gkaViH > input{display:block;border:none;background:transparent;margin-bottom:-20px;outline:none;padding-top:8px;padding-bottom:5px;width:100%;-webkit-transition:border-color 80ms cubic-bezier(0.2,0,0.38,0.9);transition:border-color 80ms cubic-bezier(0.2,0,0.38,0.9);border-bottom:3px solid #d8d8d8;margin-right:1rem;} .gkaViH > input:focus{border-width:3px;border-color:#0064ff;color:#0064ff;} /* sc-component-id: Components__SubscribeIdeaWatchSectionCell-sc-ed773f6b-21 */ .fRbNop{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;-webkit-flex:1 1 50%;-ms-flex:1 1 50%;flex:1 1 50%;cursor:text;padding:16px 0;margin-bottom:20px;margin-top:45px;} .fRbNop > p{margin-bottom:0;padding:0;font-size:14px;} .fRbNop > input{display:block;border:none;background:transparent;margin-bottom:-20px;outline:none;padding-top:8px;padding-bottom:5px;width:100%;-webkit-transition:border-color 80ms cubic-bezier(0.2,0,0.38,0.9);transition:border-color 80ms cubic-bezier(0.2,0,0.38,0.9);border-bottom:3px solid #d8d8d8;margin-right:1rem;} .fRbNop > input:focus{border-width:3px;border-color:#0064ff;color:#0064ff;} .fRbNop > input{display:block;border:none;background:transparent;margin-bottom:-20px;outline:none;padding-top:8px;padding-bottom:5px;width:100%;-webkit-transition:border-color 80ms cubic-bezier(0.2,0,0.38,0.9);transition:border-color 80ms cubic-bezier(0.2,0,0.38,0.9);border-bottom:3px solid #97c1ff;margin-right:1rem;} .fRbNop > input:focus{border-width:3px;border-color:#0064ff;color:#0064ff;} /* sc-component-id: Components__SubscribeIdeaWatchInfo-sc-ed773f6b-22 */ .fNhlZA{font-size:16px;line-height:24px;} /* sc-component-id: Components__LoginModalInfo-sc-ed773f6b-23 */ .heKivo{font-size:16px;line-height:24px;padding-top:20px;} /* sc-component-id: Components__FooterDivInfo-sc-ed773f6b-24 */ .hQtRsD{margin-top:15px;height:107px;width:255px;} .hQtRsD .ibm-type-a{font-size:12px;-webkit-letter-spacing:0.32px;-moz-letter-spacing:0.32px;-ms-letter-spacing:0.32px;letter-spacing:0.32px;line-height:16px;color:#565656;} .hQtRsD .ibm-type-a a{-webkit-text-decoration:underline;text-decoration:underline;color:rgba(0,0,0,0.87);} /* sc-component-id: SectionArchive2023-styled__SectionArchiveDiv-sc-70f9ea88-0 */ .fABDkG{background:#ffffff;padding-top:0px;padding-bottom:0px;margin-top:92px;} @media (max-width:671px){.fABDkG{padding-bottom:20px;margin-top:56px;padding-top:0px;}} /* sc-component-id: SectionArchive2023-styled__ArchivesDiv-sc-70f9ea88-1 */ .hBwiWT{background:#ffffff;color:#171717;} @media (max-width:320px){.hBwiWT{padding-left:13px;}} /* sc-component-id: SectionArchive2023-styled__SectionNavDiv-sc-70f9ea88-2 */ .erbHUQ{margin-bottom:30px;} /* sc-component-id: SectionArchive2023-styled__SectionContentDiv-sc-70f9ea88-3 */ @media (min-width:671px){.ktkGEm{padding-left:10px;border-bottom:1px solid #979797;padding-bottom:56px !important;}} /* sc-component-id: SectionArchiveTabs2023-styled__SectionTitleDiv-sc-a050d57-0 */ .bXWoih{font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-weight:300;color:#262626;font-size:28px;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:36px;padding-right:30px;padding-bottom:1rem;} @media (max-width:671px){.bXWoih{line-height:26px;max-width:216px;margin-bottom:16px;}} @media (min-width:671px){.bXWoih{border-top:1px solid #979797;padding-top:56px;}} /* sc-component-id: SectionArchiveTabs2023-styled__TabSelectControlDropdown-sc-a050d57-1 */ .gskZqQ{width:75%;height:45px;max-width:288px;} .gskZqQ label{display:block;font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-weight:300;color:#171717;font-size:12px;line-height:16px;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;margin-top:-10px;margin-bottom:10px;} .gskZqQ select{-webkit-appearance:none;-moz-appearance:none;appearance:none;-webkit-appearance:none;-moz-appearance:none;background-color:#efefef;background-image:url('/thought-leadership/institute-business-value/public/static/images/arrow_down.webp');background-repeat:no-repeat;background-size:15px 15px;background-position:95% 50%;width:100%;height:100%;color:black;cursor:pointer;border:none;border-bottom:1px solid #171717;padding-left:16px;font-size:17px;font-weight:100;} /* sc-component-id: SectionArchiveTabPanel2023-styled__TabPanelDiv-sc-99c7fc92-0 */ .ljEyKA{margin:0px !important;} /* sc-component-id: SectionArchiveTabPanel2023-styled__Arrow-sc-99c7fc92-7 */ .fGuaVJ{margin-top:1px;-webkit-text-decoration:none !important;text-decoration:none !important;} .fGuaVJ:after{content:'→';padding-left:12px;-webkit-text-decoration:none !important;text-decoration:none !important;} /* sc-component-id: SectionArchiveTabPanel2023-styled__RoleHeadingDiv-sc-99c7fc92-9 */ .jDUMMT{font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-weight:300;color:#171717;font-size:20px;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:26px;margin-top:24px;margin-bottom:16px;} @media (max-width:320px){.jDUMMT{font-size:18px;line-height:24px;}} /* sc-component-id: SectionArchiveTabPanel2023-styled__RoleImage-sc-99c7fc92-10 */ .kRQxqU{width:126px;height:auto;margin-top:15px;margin-bottom:10px;border:1px solid #dcdcdc;} @media (max-width:671px){.kRQxqU{width:155px;height:117px;}} /* sc-component-id: SectionArchiveTabPanel2023-styled__ReportTypeLabel-sc-99c7fc92-11 */ .dUZsXP{font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-weight:bold;color:#171717;font-size:14px;-webkit-letter-spacing:0px;-moz-letter-spacing:0px;-ms-letter-spacing:0px;letter-spacing:0px;line-height:24px;} @media (max-width:320px){.dUZsXP{-webkit-letter-spacing:0.16px;-moz-letter-spacing:0.16px;-ms-letter-spacing:0.16px;letter-spacing:0.16px;}} /* sc-component-id: SectionArchiveTabPanel2023-styled__ReportActionLink-sc-99c7fc92-12 */ .gJIuuw{display:block;font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-weight:300;font-size:14px;color:#0064ff;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:24px;margin-bottom:16px;} @media (max-width:320px){.gJIuuw{-webkit-letter-spacing:0.16px;-moz-letter-spacing:0.16px;-ms-letter-spacing:0.16px;letter-spacing:0.16px;}} .gJIuuw:hover{color:#0064ff;font-weight:400;} .gJIuuw:focus{outline:none;} /* sc-component-id: Carousel-styled__Wrapper-sc-c33e8b95-0 */ .laPZkE{display:none;} @media (min-width:672px){.laPZkE{display:block;height:-webkit-max-content;height:-moz-max-content;height:max-content;}} /* sc-component-id: Carousel-styled__CarouselSectionContainer-sc-c33e8b95-1 */ @media (min-width:672px){.gDYNKU{padding-top:3rem;}} /* sc-component-id: Carousel-styled__Divider-sc-c33e8b95-2 */ .bqjpIn{display:none;} @media (min-width:1056px){.bqjpIn{display:block;}} /* sc-component-id: Carousel-styled__CarouselTextContainer-sc-c33e8b95-5 */ .bmMGIP{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;-webkit-box-pack:start;-webkit-justify-content:start;-ms-flex-pack:start;justify-content:start;padding-left:1rem !important;} @media screen and (max-width:960px){.bmMGIP{-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;}} /* sc-component-id: Carousel-styled__CarouselChangingTextContainer-sc-c33e8b95-6 */ .ibDvIj{position:relative;margin-bottom:2.5rem;} /* sc-component-id: Carousel-styled__IconContainer-sc-c33e8b95-11 */ .dKbmgh{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:row;-ms-flex-direction:row;flex-direction:row;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;} .dKbmgh .carousel-chevron_icon{display:none;} .dKbmgh .carousel-chevron_icon:hover{cursor:pointer;} @media (max-width:671px){.dKbmgh .carousel-chevron_icon{display:block;}.dKbmgh .carousel-arrow_container{display:none;}} @media (max-width:671px){.dKbmgh{margin:0 auto;}} /* sc-component-id: Carousel-styled__CarouselCircleContainer-sc-c33e8b95-12 */ .cYEpYu{margin:0 30px;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:row;-ms-flex-direction:row;flex-direction:row;} /* sc-component-id: Carousel-styled__CarouselCircle-sc-c33e8b95-13 */ .bFungF{margin:0 8px;} .bFungF .carousel-circle circle{color:#0f62fe;-webkit-transition:all 250ms ease-in-out 0s;transition:all 250ms ease-in-out 0s;} .bFungF .carousel-circle circle:hover{cursor:default;} /* sc-component-id: Carousel-styled__LeftButton-sc-c33e8b95-14 */ .dnkDxw{background-color:#ffffff;border:1px solid #0f62fe;color:#0f62fe;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:row;-ms-flex-direction:row;flex-direction:row;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;-webkit-box-pack:center;-webkit-justify-content:center;-ms-flex-pack:center;justify-content:center;padding:1rem;} .dnkDxw:focus{box-shadow:none;} .dnkDxw:disabled{border:1px solid #c6c6c6;background-color:transparent;} .dnkDxw:disabled:hover{background-color:transparent;border:1px solid #c6c6c6;} .dnkDxw:disabled:focus{box-shadow:none;} /* sc-component-id: Carousel-styled__RightButton-sc-c33e8b95-15 */ .cbdsEt{background-color:#ffffff;border:1px solid #0f62fe;color:#0f62fe;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:row;-ms-flex-direction:row;flex-direction:row;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;font-size:0.875rem;font-style:normal;font-weight:400;line-height:1.125rem;-webkit-letter-spacing:0.16px;-moz-letter-spacing:0.16px;-ms-letter-spacing:0.16px;letter-spacing:0.16px;padding-right:2rem;} .cbdsEt:focus{box-shadow:none;} .cbdsEt > svg{margin-left:64px;} /* sc-component-id: CarouselSection-styled__Wrapper-sc-7c3824f1-0 */ .CruBN{background-color:#ffffff;} /* sc-component-id: CarouselSection-styled__DividerWrapper-sc-7c3824f1-2 */ .eeCSLa{display:none;} @media (min-width:672px){.eeCSLa{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;}.eeCSLa .border{margin-top:3rem;padding-bottom:5rem;border-top:1px solid #c6c6c6;}} /* sc-component-id: CarouselQuote-styled__Wrapper-sc-7fcdcc4-0 */ .bsfaMp{padding-top:4rem;} @media (min-width:672px){.bsfaMp{padding-top:5rem;}} /* sc-component-id: CarouselQuote-styled__Quote-sc-7fcdcc4-2 */ .cBRETL{color:#000000;font-size:2rem;font-style:normal;font-weight:300;line-height:2.5rem;padding-bottom:2rem;} @media (min-width:672px){.cBRETL{border-bottom:1px solid #c6c6c6;padding-bottom:5rem;}} @media (min-width:1056px){.cBRETL{max-width:70%;}} /* sc-component-id: CarouselQuote-styled__Divider-sc-7fcdcc4-3 */ .bmzEad{display:none;} @media (min-width:1056px){.bmzEad{display:block;}} /* sc-component-id: Accordions-styled__Wrapper-sc-1cc9066-0 */ .lboWrQ{display:block;} .lboWrQ .cds--accordion{padding:0 1rem 4rem 1rem;} .lboWrQ .cds--accordion .cds--accordion__item{padding-top:0;padding-left:1rem;} .lboWrQ .cds--accordion .cds--accordion__item .cds--accordion__heading{padding-top:0.875rem;padding-bottom:0.875rem;} .lboWrQ .cds--accordion .cds--accordion__item .cds--accordion__heading:hover{background-color:transparent;} .lboWrQ .cds--accordion .cds--accordion__item::before{display:none;} .lboWrQ .cds--accordion .cds--accordion__item:first-child{border-top:1px solid #c6c6c6;} .lboWrQ .cds--accordion .cds--accordion__item:last-child{border-bottom:1px solid #c6c6c6;} @media (min-width:672px){.lboWrQ{display:none;}} /* sc-component-id: TabNavigationBar__Container-sc-b827be7-0 */ .blfdNa{font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;background-color:#e5f5ff;border-top:1px solid #78a9ff;border-bottom:1px solid #78a9ff;position:inherit;} .blfdNa.sticky{position:fixed;width:100%;opacity:1;z-index:9;} .blfdNa #leadspace_bottom_navigation_bar{margin:10px;overflow-x:auto;} .blfdNa #leadspace_bottom_navigation_bar::-webkit-scrollbar{display:none;}.kUGNBa{font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;background-color:#f4f4f4;border-top:1px solid #78a9ff;border-bottom:1px solid #78a9ff;position:inherit;} .kUGNBa.sticky{position:fixed;width:100%;opacity:1;z-index:9;} .kUGNBa #leadspace_bottom_navigation_bar{margin:10px;overflow-x:auto;} .kUGNBa #leadspace_bottom_navigation_bar::-webkit-scrollbar{display:none;} /* sc-component-id: TabNavigationBar__TabContainer-sc-b827be7-1 */ .dAUGBM{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;border-bottom:0.25rem solid #C6C6C6;width:14.285714285714286%;line-height:26px;font-weight:normal;margin-left:3px;pointer-events:auto;min-width:175px;} .dAUGBM:hover{cursor:pointer;background-color:#b9e6ff;}.hvQgdT{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;border-bottom:0.25rem solid #C6C6C6;width:16.666666666666668%;line-height:26px;font-weight:normal;margin-left:3px;pointer-events:auto;min-width:175px;} .hvQgdT:hover{cursor:pointer;background-color:#b9e6ff;}.iyOiGI{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;border-bottom:0.25rem solid #C6C6C6;width:20%;line-height:26px;font-weight:normal;margin-left:3px;pointer-events:auto;min-width:175px;} .iyOiGI:hover{cursor:pointer;background-color:#b9e6ff;} /* sc-component-id: TabNavigationBar__Tab-sc-b827be7-2 */ .cfeJfS{color:#393939;margin:auto 0;font-size:14px;padding:5px 0;} /* sc-component-id: TabNavigationBar__TabsWrapper-sc-b827be7-3 */ .gjdIZd{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:row;-ms-flex-direction:row;flex-direction:row;-webkit-box-pack:start;-webkit-justify-content:flex-start;-ms-flex-pack:start;justify-content:flex-start;-webkit-flex-wrap:nowrap;-ms-flex-wrap:nowrap;flex-wrap:nowrap;padding-left:unset;padding-right:unset;overflow-x:scroll;-webkit-scrollbar-width:none;-moz-scrollbar-width:none;-ms-scrollbar-width:none;scrollbar-width:none;} .gjdIZd::-webkit-scrollbar{display:none;} /* sc-component-id: TabNavigationBar__CarouseBarDiv-sc-b827be7-4 */ .jJlDNl{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:row;-ms-flex-direction:row;flex-direction:row;-webkit-flex-wrap:nowrap;-ms-flex-wrap:nowrap;flex-wrap:nowrap;} /* sc-component-id: MobileNavigation__Navigation-sc-8f969886-0 */ .jtHrxz{position:fixed;z-index:100;color:white;width:100%;vertical-align:middle;height:unset;} @media (min-width:671px){.jtHrxz{display:none;}} /* sc-component-id: MobileNavigation__NavigationButton-sc-8f969886-1 */ .eEZiFj{min-height:40px;min-width:100%;font-size:1rem;} /* sc-component-id: Navigation-styled__TabNavigationBarContainer-sc-11b556ef-1 */ .lescsB{display:none;} @media (min-width:672px){.lescsB{display:block;}} @media (min-width:1056px){.lescsB{display:none;}} /* sc-component-id: DownloadTranslationsDropdown__TranslationsDropdown-sc-3846e0c5-0 */ .ipHYNn{margin-bottom:16px;} .ipHYNn .cds--dropdown{outline:2px solid transparent;outline-offset:-2px;position:relative;display:block;width:100%;min-width:0px;height:2.5rem;min-height:2.5rem;color:#161616;list-style:none;background-color:#f4f4f4;border:none;border-bottom:1px solid #8d8d8d;outline:2px solid transparent;cursor:pointer;-webkit-transition:background-color 70ms cubic-bezier(0.2,0,0.38,0.9);transition:background-color 70ms cubic-bezier(0.2,0,0.38,0.9);} .ipHYNn .cds--dropdown .cds--dropdown-list{left:0;top:35px;} .ipHYNn .cds--dropdown ul > li{padding-left:0;padding-top:0;} .ipHYNn .cds--dropdown ul > li::before{content:none !important;} .ipHYNn .cds--dropdown--open .cds--dropdown-list{border:1px solid #0f62fe;} .ipHYNn .cds--list-box__field{color:#161616;} .ipHYNn .cds--list-box__menu{padding-bottom:0px;} .ipHYNn .cds--list-box__menu .cds--list-box__menu-item{padding-top:unset;} .ipHYNn .cds--list-box__menu .cds--list-box__menu-item > .cds--list-box__menu-item__option{font-size:0.75rem;padding-right:unset;} .ipHYNn .cds--list-box__label{color:#161616;font-size:0.75rem;} .ipHYNn .cds--list-box__menu-icon > svg{fill:unset;width:unset;height:unset;margin-right:unset;} .ipHYNn .cds--dropdown-text{font-size:0.875rem;font-weight:400;line-height:1.29;-webkit-letter-spacing:0.16px;-moz-letter-spacing:0.16px;-ms-letter-spacing:0.16px;letter-spacing:0.16px;overflow:hidden;color:#161616;white-space:nowrap;text-overflow:ellipsis;-webkit-user-select:none;-moz-user-select:none;-ms-user-select:none;-webkit-user-select:none;-moz-user-select:none;-ms-user-select:none;user-select:none;} .ipHYNn .cds--dropdown .cds--dropdown--open:focus{border:none;} .ipHYNn .cds--dropdown:focus{border:2px solid #0f62fe;}.mfnJj{margin-bottom:16px;} .mfnJj .cds--dropdown{outline:2px solid transparent;outline-offset:-2px;position:relative;display:block;width:100%;min-width:275px;height:2.5rem;min-height:2.5rem;color:#161616;list-style:none;background-color:#f4f4f4;border:none;border-bottom:1px solid #8d8d8d;outline:2px solid transparent;cursor:pointer;-webkit-transition:background-color 70ms cubic-bezier(0.2,0,0.38,0.9);transition:background-color 70ms cubic-bezier(0.2,0,0.38,0.9);} .mfnJj .cds--dropdown .cds--dropdown-list{left:0;top:35px;} .mfnJj .cds--dropdown ul > li{padding-left:0;padding-top:0;} .mfnJj .cds--dropdown ul > li::before{content:none !important;} .mfnJj .cds--dropdown--open .cds--dropdown-list{border:1px solid #0f62fe;} .mfnJj .cds--list-box__field{color:#161616;} .mfnJj .cds--list-box__menu{padding-bottom:0px;} .mfnJj .cds--list-box__menu .cds--list-box__menu-item{padding-top:unset;} .mfnJj .cds--list-box__menu .cds--list-box__menu-item > .cds--list-box__menu-item__option{font-size:0.75rem;padding-right:unset;} .mfnJj .cds--list-box__label{color:#161616;font-size:0.75rem;} .mfnJj .cds--list-box__menu-icon > svg{fill:unset;width:unset;height:unset;margin-right:unset;} .mfnJj .cds--dropdown-text{font-size:0.875rem;font-weight:400;line-height:1.29;-webkit-letter-spacing:0.16px;-moz-letter-spacing:0.16px;-ms-letter-spacing:0.16px;letter-spacing:0.16px;overflow:hidden;color:#161616;white-space:nowrap;text-overflow:ellipsis;-webkit-user-select:none;-moz-user-select:none;-ms-user-select:none;-webkit-user-select:none;-moz-user-select:none;-ms-user-select:none;user-select:none;} .mfnJj .cds--dropdown .cds--dropdown--open:focus{border:none;} .mfnJj .cds--dropdown:focus{border:2px solid #0f62fe;} /* sc-component-id: DownloadTranslationsDropdown__TranslationTitle-sc-3846e0c5-1 */ .hNwiUI{padding:0;font-size:14px;line-height:18px;-webkit-letter-spacing:0.16px;-moz-letter-spacing:0.16px;-ms-letter-spacing:0.16px;letter-spacing:0.16px;display:inline-block;margin-bottom:0.5rem;color:#525252;vertical-align:baseline;} /* sc-component-id: DropdownButton-styled__StyledDropdown-sc-8080b543-0 */ .gYSTqs{margin-bottom:0rem;} .gYSTqs .cds--dropdown{min-height:3rem;background:#0f62fe;} @media (max-width:373px){.gYSTqs .cds--dropdown{min-height:4rem;}} .gYSTqs .cds--dropdown:hover{background:#0050e6;} .gYSTqs .cds--dropdown .cds--list-box__field{-webkit-padding-end:unset;padding-inline-end:unset;} .gYSTqs .cds--dropdown .cds--list-box__menu{padding:0;} .gYSTqs .cds--dropdown .cds--list-box__label{color:#ffffff;} @media (max-width:373px){.gYSTqs .cds--dropdown .cds--list-box__label{white-space:break-spaces;margin-right:3rem;}} .gYSTqs .cds--dropdown .cds--list-box__menu-icon > svg{fill:#ffffff;} .gYSTqs .cds--dropdown .cds--list-box__menu-item{padding:0rem;height:3rem;} .gYSTqs .cds--dropdown .cds--list-box__menu-item::before{display:none;} .gYSTqs .cds--dropdown .cds--list-box__menu-item .cds--list-box__menu-item__option{padding:1rem 0;} /* sc-component-id: ButtonGroup__ButtonGroupContainer-sc-6a438c09-0 */ .OBbUp .button-group{position:static;} /* sc-component-id: ButtonGroup__CustomDownloadBtnDiv-sc-6a438c09-1 */ .geamtD #custom-download-btn-1 .icon-arrow img{-webkit-filter:invert(100%) sepia(0%) saturate(2%) hue-rotate(345deg) brightness(100) contrast(101%);filter:invert(100%) sepia(0%) saturate(2%) hue-rotate(345deg) brightness(100) contrast(101%);} .geamtD .button-primary,.geamtD .button-secondary,.geamtD .button-secondary-rebrand,.geamtD .button-tertiary{display:-webkit-inline-box;display:-webkit-inline-flex;display:-ms-inline-flexbox;display:inline-flex;height:50px;padding:0 18px;margin-bottom:10px;font-weight:400;} @media (min-width:672px) and (max-width:1056px){.geamtD .button-primary,.geamtD .button-secondary,.geamtD .button-secondary-rebrand,.geamtD .button-tertiary{min-width:initial;}} @media (min-width:672px) and (max-width:789px){.geamtD .button-primary,.geamtD .button-secondary,.geamtD .button-secondary-rebrand,.geamtD .button-tertiary{min-width:initial;}} @media (min-width:790px) and (max-width:1056px){.geamtD .button-primary,.geamtD .button-secondary,.geamtD .button-secondary-rebrand,.geamtD .button-tertiary{min-width:initial;}} @media (min-width:1057px){.geamtD .button-primary,.geamtD .button-secondary,.geamtD .button-secondary-rebrand,.geamtD .button-tertiary{min-width:initial;}} .geamtD .button-secondary-rebrand:hover .icon-arrow,.geamtD .button-tertiary:hover .icon-arrow{-webkit-filter:invert(100%) sepia(0%) saturate(2%) hue-rotate(345deg) brightness(100) contrast(101%);filter:invert(100%) sepia(0%) saturate(2%) hue-rotate(345deg) brightness(100) contrast(101%);} @media (max-width:671px){.geamtD .button-primary,.geamtD .button-secondary,.geamtD .button-secondary-rebrand,.geamtD .button-tertiary{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;width:100%;position:relative;}.geamtD .button-primary span,.geamtD .button-secondary span,.geamtD .button-secondary-rebrand span,.geamtD .button-tertiary span{margin-right:20px;}.geamtD .icon-arrow{position:absolute;top:0;right:18px;font-size:20px;}} @media (max-width:1055px){}.hAcujo #custom-download-btn-1 .icon-arrow img{-webkit-filter:invert(100%) sepia(0%) saturate(2%) hue-rotate(345deg) brightness(100) contrast(101%);filter:invert(100%) sepia(0%) saturate(2%) hue-rotate(345deg) brightness(100) contrast(101%);} .hAcujo .button-primary,.hAcujo .button-secondary,.hAcujo .button-secondary-rebrand,.hAcujo .button-tertiary{display:-webkit-inline-box;display:-webkit-inline-flex;display:-ms-inline-flexbox;display:inline-flex;height:50px;padding:0 18px;margin-bottom:10px;font-weight:400;} @media (min-width:672px) and (max-width:1056px){.hAcujo .button-primary,.hAcujo .button-secondary,.hAcujo .button-secondary-rebrand,.hAcujo .button-tertiary{min-width:21rem;}} @media (min-width:672px) and (max-width:789px){.hAcujo .button-primary,.hAcujo .button-secondary,.hAcujo .button-secondary-rebrand,.hAcujo .button-tertiary{min-width:24rem;}} @media (min-width:790px) and (max-width:1056px){.hAcujo .button-primary,.hAcujo .button-secondary,.hAcujo .button-secondary-rebrand,.hAcujo .button-tertiary{min-width:26rem;}} @media (min-width:1057px){.hAcujo .button-primary,.hAcujo .button-secondary,.hAcujo .button-secondary-rebrand,.hAcujo .button-tertiary{min-width:26rem;}} .hAcujo .button-secondary-rebrand:hover .icon-arrow,.hAcujo .button-tertiary:hover .icon-arrow{-webkit-filter:invert(100%) sepia(0%) saturate(2%) hue-rotate(345deg) brightness(100) contrast(101%);filter:invert(100%) sepia(0%) saturate(2%) hue-rotate(345deg) brightness(100) contrast(101%);} @media (max-width:671px){.hAcujo .button-primary,.hAcujo .button-secondary,.hAcujo .button-secondary-rebrand,.hAcujo .button-tertiary{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;width:100%;position:relative;}.hAcujo .button-primary span,.hAcujo .button-secondary span,.hAcujo .button-secondary-rebrand span,.hAcujo .button-tertiary span{margin-right:20px;}.hAcujo .icon-arrow{position:absolute;top:0;right:18px;font-size:20px;}} @media (max-width:1055px){}.eEoQUo #custom-download-btn-1 .icon-arrow img{-webkit-filter:invert(100%) sepia(0%) saturate(2%) hue-rotate(345deg) brightness(100) contrast(101%);filter:invert(100%) sepia(0%) saturate(2%) hue-rotate(345deg) brightness(100) contrast(101%);} .eEoQUo .button-primary,.eEoQUo .button-secondary,.eEoQUo .button-secondary-rebrand,.eEoQUo .button-tertiary{display:-webkit-inline-box;display:-webkit-inline-flex;display:-ms-inline-flexbox;display:inline-flex;height:50px;padding:0 18px;margin-bottom:10px;font-weight:400;} @media (min-width:672px) and (max-width:1056px){.eEoQUo .button-primary,.eEoQUo .button-secondary,.eEoQUo .button-secondary-rebrand,.eEoQUo .button-tertiary{min-width:21rem;}} @media (min-width:672px) and (max-width:789px){.eEoQUo .button-primary,.eEoQUo .button-secondary,.eEoQUo .button-secondary-rebrand,.eEoQUo .button-tertiary{min-width:24rem;}} @media (min-width:790px) and (max-width:1056px){.eEoQUo .button-primary,.eEoQUo .button-secondary,.eEoQUo .button-secondary-rebrand,.eEoQUo .button-tertiary{min-width:26rem;}} @media (min-width:1057px){.eEoQUo .button-primary,.eEoQUo .button-secondary,.eEoQUo .button-secondary-rebrand,.eEoQUo .button-tertiary{min-width:26rem;}} .eEoQUo .button-secondary-rebrand:hover .icon-arrow,.eEoQUo .button-tertiary:hover .icon-arrow{-webkit-filter:invert(100%) sepia(0%) saturate(2%) hue-rotate(345deg) brightness(100) contrast(101%);filter:invert(100%) sepia(0%) saturate(2%) hue-rotate(345deg) brightness(100) contrast(101%);} @media (max-width:671px){.eEoQUo .button-primary,.eEoQUo .button-secondary,.eEoQUo .button-secondary-rebrand,.eEoQUo .button-tertiary{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;width:100%;position:relative;}.eEoQUo .button-primary span,.eEoQUo .button-secondary span,.eEoQUo .button-secondary-rebrand span,.eEoQUo .button-tertiary span{margin-right:20px;}.eEoQUo .icon-arrow{position:absolute;top:0;right:18px;font-size:20px;}} @media (max-width:1055px){.eEoQUo{min-width:80%;}}.dkJWnI #custom-download-btn-1 .icon-arrow img{-webkit-filter:invert(100%) sepia(0%) saturate(2%) hue-rotate(345deg) brightness(100) contrast(101%);filter:invert(100%) sepia(0%) saturate(2%) hue-rotate(345deg) brightness(100) contrast(101%);} .dkJWnI .button-primary,.dkJWnI .button-secondary,.dkJWnI .button-secondary-rebrand,.dkJWnI .button-tertiary{display:-webkit-inline-box;display:-webkit-inline-flex;display:-ms-inline-flexbox;display:inline-flex;height:50px;padding:0 18px;margin-bottom:10px;font-weight:400;} @media (min-width:672px) and (max-width:1056px){.dkJWnI .button-primary,.dkJWnI .button-secondary,.dkJWnI .button-secondary-rebrand,.dkJWnI .button-tertiary{min-width:21rem;}} @media (min-width:672px) and (max-width:789px){.dkJWnI .button-primary,.dkJWnI .button-secondary,.dkJWnI .button-secondary-rebrand,.dkJWnI .button-tertiary{min-width:26rem;}} @media (min-width:790px) and (max-width:1056px){.dkJWnI .button-primary,.dkJWnI .button-secondary,.dkJWnI .button-secondary-rebrand,.dkJWnI .button-tertiary{min-width:26rem;}} @media (min-width:1057px){.dkJWnI .button-primary,.dkJWnI .button-secondary,.dkJWnI .button-secondary-rebrand,.dkJWnI .button-tertiary{min-width:26rem;}} .dkJWnI .button-secondary-rebrand:hover .icon-arrow,.dkJWnI .button-tertiary:hover .icon-arrow{-webkit-filter:invert(100%) sepia(0%) saturate(2%) hue-rotate(345deg) brightness(100) contrast(101%);filter:invert(100%) sepia(0%) saturate(2%) hue-rotate(345deg) brightness(100) contrast(101%);} @media (max-width:671px){.dkJWnI .button-primary,.dkJWnI .button-secondary,.dkJWnI .button-secondary-rebrand,.dkJWnI .button-tertiary{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;width:100%;position:relative;}.dkJWnI .button-primary span,.dkJWnI .button-secondary span,.dkJWnI .button-secondary-rebrand span,.dkJWnI .button-tertiary span{margin-right:20px;}.dkJWnI .icon-arrow{position:absolute;top:0;right:18px;font-size:20px;}} @media (max-width:1055px){}.kQfiCm #custom-download-btn-1 .icon-arrow img{-webkit-filter:invert(100%) sepia(0%) saturate(2%) hue-rotate(345deg) brightness(100) contrast(101%);filter:invert(100%) sepia(0%) saturate(2%) hue-rotate(345deg) brightness(100) contrast(101%);} .kQfiCm .button-primary,.kQfiCm .button-secondary,.kQfiCm .button-secondary-rebrand,.kQfiCm .button-tertiary{display:-webkit-inline-box;display:-webkit-inline-flex;display:-ms-inline-flexbox;display:inline-flex;height:50px;padding:0 18px;margin-bottom:10px;font-weight:400;} @media (min-width:672px) and (max-width:1056px){.kQfiCm .button-primary,.kQfiCm .button-secondary,.kQfiCm .button-secondary-rebrand,.kQfiCm .button-tertiary{min-width:21rem;}} @media (min-width:672px) and (max-width:789px){.kQfiCm .button-primary,.kQfiCm .button-secondary,.kQfiCm .button-secondary-rebrand,.kQfiCm .button-tertiary{min-width:24rem;}} @media (min-width:790px) and (max-width:1056px){.kQfiCm .button-primary,.kQfiCm .button-secondary,.kQfiCm .button-secondary-rebrand,.kQfiCm .button-tertiary{min-width:26rem;}} @media (min-width:1057px){.kQfiCm .button-primary,.kQfiCm .button-secondary,.kQfiCm .button-secondary-rebrand,.kQfiCm .button-tertiary{min-width:26rem;}} .kQfiCm .button-secondary-rebrand:hover .icon-arrow,.kQfiCm .button-tertiary:hover .icon-arrow{-webkit-filter:invert(100%) sepia(0%) saturate(2%) hue-rotate(345deg) brightness(100) contrast(101%);filter:invert(100%) sepia(0%) saturate(2%) hue-rotate(345deg) brightness(100) contrast(101%);} .kQfiCm .button-secondary-rebrand:nth-child(1),.kQfiCm .button-tertiary:nth-child(1){min-width:21rem;} @media (max-width:671px){.kQfiCm .button-primary,.kQfiCm .button-secondary,.kQfiCm .button-secondary-rebrand,.kQfiCm .button-tertiary{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;width:100%;position:relative;}.kQfiCm .button-primary span,.kQfiCm .button-secondary span,.kQfiCm .button-secondary-rebrand span,.kQfiCm .button-tertiary span{margin-right:20px;}.kQfiCm .icon-arrow{position:absolute;top:0;right:18px;font-size:20px;}} @media (max-width:1055px){} /* sc-component-id: ButtonGroup__Label-sc-6a438c09-2 */ .blztXM{white-space:break-spaces;font-size:16px;}.uJLcN{white-space:break-spaces;font-size:0.875rem;}.rQUoy{white-space:break-spaces;font-size:14px;} /* sc-component-id: ButtonGroup__DownloadTranslationsDropdownWrapper-sc-6a438c09-3 */ @media (min-width:1056px){.bGJIee{display:none;}} /* sc-component-id: ButtonGroup__DropdownButtonContainer-sc-6a438c09-4 */ .bdjbZu{width:100%;margin-right:1.25rem;margin-bottom:0.625rem;} .bdjbZu .cds--dropdown{min-height:3.75rem !important;} @media (min-width:672px){.bdjbZu{width:65%;}} @media (min-width:1056px){.bdjbZu{width:50%;min-width:21rem;}} /* sc-component-id: ReportDate__ReportDateDiv-sc-106295fa-0 */ .kuUVVE{color:#161616;font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;-webkit-letter-spacing:0.14px;-moz-letter-spacing:0.14px;-ms-letter-spacing:0.14px;letter-spacing:0.14px;line-height:20px;} .kuUVVE .updateDate{font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-weight:700;} .kuUVVE p{font-size:12px;} /* sc-component-id: CommonAssetCard__StyledLink-sc-9deeefa6-1 */ .iSrTCt{cursor:pointer;-webkit-align-self:center;-ms-flex-item-align:center;align-self:center;display:block;outline-offset:0.25rem;} /* sc-component-id: CommonAssetCard__CaptionWrapperDiv-sc-9deeefa6-2 */ .jnEEdt{cursor:pointer;word-break:break-word;} @media (max-width:66rem){.jnEEdt{width:90%;}} /* sc-component-id: CommonAssetCard__AssetItemDiv-sc-9deeefa6-3 */ .ewXGpw{margin-top:1.15625rem;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;width:100%;} .ewXGpw:first-child{margin-top:0rem;} @media (max-width:1055px){.ewXGpw{width:50% padding-right:0.3125rem;}} @media (max-width:56.25rem){.ewXGpw{width:100%;}}.fQelJs{margin-top:1.15625rem;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;width:100%;} .fQelJs:first-child{margin-top:0rem;} @media (max-width:1055px){.fQelJs{width:100% padding-right:0.3125rem;}} @media (max-width:56.25rem){.fQelJs{width:100%;}} /* sc-component-id: CommonAssetCard__DownloadRowWrapper-sc-9deeefa6-4 */ .hFdatv{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;} .hFdatv .cds--inline-loading{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-box-pack:center;-webkit-justify-content:center;-ms-flex-pack:center;justify-content:center;margin-left:0.75rem;width:0.75rem;min-height:unset;height:20px;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;padding:0;} .hFdatv .cds--inline-loading .cds--inline-loading--error{-webkit-transform:rotate(-45deg);-ms-transform:rotate(-45deg);transform:rotate(-45deg);} @media (max-width:1055px){.hFdatv .cds--inline-loading{-webkit-align-items:flex-start;-webkit-box-align:flex-start;-ms-flex-align:flex-start;align-items:flex-start;}} /* sc-component-id: CommonAsset__BreakpointsWrapperDiv-sc-dc573728-1 */ @media (max-width:1055px){.cBHaxA{display:none;}} /* sc-component-id: CommonAsset__ReportDateContainerDiv-sc-dc573728-2 */ @media (max-width:1056px){} @media (min-width:1056px){.kkPMVm{font-size:16px;display:none;}} /* sc-component-id: CommonAsset__AssetItemWrapperDiv-sc-dc573728-3 */ .ekodxf{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;margin-top:23px;} @media (max-width:1055px){.ekodxf{-webkit-flex-direction:row;-ms-flex-direction:row;flex-direction:row;-webkit-flex-wrap:wrap;-ms-flex-wrap:wrap;flex-wrap:wrap;-webkit-box-pack:start;-webkit-justify-content:flex-start;-ms-flex-pack:start;justify-content:flex-start;}.ekodxf div:last-child{padding-bottom:12px;}} @media (max-width:900px){.ekodxf{-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;}} /* sc-component-id: Author__AuthorWrap-sc-f3e7a323-0 */ .ilXFsv{position:relative;display:inline;} .ilXFsv p a{padding-bottom:0px;} .ilXFsv > div{z-index:1;position:absolute;top:calc(100% + 20px);left:50%;-webkit-transform:translate(-50%,0);-ms-transform:translate(-50%,0);transform:translate(-50%,0);background-color:#f3f3f3;box-shadow:0px 2px 4px rgba(0,0,0,0.3);width:224px;} .ilXFsv > div > div{margin-bottom:0;} .ilXFsv > div::before{$arrow-size:16px;position:absolute;top:0;left:50%;content:'';height:$arrow-size;-webkit-transform:translate(-50%,-100%);-ms-transform:translate(-50%,-100%);transform:translate(-50%,-100%);border:$arrow-size solid transparent;border-bottom-color:#f3f3f3;} /* sc-component-id: Author__AuthorLink-sc-f3e7a323-1 */ .gmgint{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;cursor:pointer;color:black;padding:0 0 15px;} .gmgint:hover{color:blue;} /* sc-component-id: BookmarkButton__Button-sc-29abfd8-0 */ .fBLyVl{border:unset;padding:0;margin:0;position:relative;overflow:hidden;border-radius:1px;background:transparent;font-size:0;margin-right:6px;pointer-events:auto;} .fBLyVl *{pointer-events:none;} .fBLyVl[data-active='true'] .fill{-webkit-transform:translateY(0);-ms-transform:translateY(0);transform:translateY(0);} .fBLyVl:hover{cursor:pointer;} .fBLyVl .color{-webkit-transition:color 124ms cubic-bezier(0.4,0.14,0.3,1);transition:color 124ms cubic-bezier(0.4,0.14,0.3,1);} .fBLyVl .svg{height:28px;} .fBLyVl .svg #Mask{fill:#0f62fe;} .fBLyVl .svg:hover #Mask{fill:#0043ce;} .fBLyVl .outline{position:absolute;top:0;left:0;z-index:1;} .fBLyVl .fill{position:absolute;top:0;left:0;z-index:2;-webkit-transform:translateY(-100%);-ms-transform:translateY(-100%);transform:translateY(-100%);-webkit-transition:-webkit-transform 124ms cubic-bezier(0.4,0.14,0.3,1);-webkit-transition:transform 124ms cubic-bezier(0.4,0.14,0.3,1);transition:transform 124ms cubic-bezier(0.4,0.14,0.3,1);} /* sc-component-id: Share__ShareDiv-sc-234b72a3-0 */ .cUvEjW{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-box-pack:unset;-webkit-justify-content:unset;-ms-flex-pack:unset;justify-content:unset;max-width:unset;-webkit-align-itmes:center !important;-webkit-box-align-itmes:center !important;-ms-flex-align-itmes:center !important;align-itmes:center !important;padding-bottom:12px;} .cUvEjW > span{padding-top:3px;font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-weight:600;font-size:16px;color:#161616;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:24px;} .cUvEjW > div{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-itmes:center !important;-webkit-box-align-itmes:center !important;-ms-flex-align-itmes:center !important;align-itmes:center !important;} .cUvEjW > div a{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-itmes:center !important;-webkit-box-align-itmes:center !important;-ms-flex-align-itmes:center !important;align-itmes:center !important;color:#3d3d3d;} .cUvEjW .ibm-icononly{margin-left:18px;} .cUvEjW .ibm-icononly a{margin-right:20px;width:1.7em;}.hLgibw{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-box-pack:justify;-webkit-justify-content:space-between;-ms-flex-pack:justify;justify-content:space-between;max-width:unset;-webkit-align-itmes:center !important;-webkit-box-align-itmes:center !important;-ms-flex-align-itmes:center !important;align-itmes:center !important;padding-bottom:12px;} .hLgibw > span{padding-top:3px;font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-weight:600;font-size:16px;color:#161616;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:24px;} .hLgibw > div{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-itmes:center !important;-webkit-box-align-itmes:center !important;-ms-flex-align-itmes:center !important;align-itmes:center !important;} .hLgibw > div a{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-itmes:center !important;-webkit-box-align-itmes:center !important;-ms-flex-align-itmes:center !important;align-itmes:center !important;color:#3d3d3d;} .hLgibw .ibm-icononly{margin-left:18px;} .hLgibw .ibm-icononly a{margin-right:20px;width:1.7em;}.jpEDVw{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-box-pack:justify;-webkit-justify-content:space-between;-ms-flex-pack:justify;justify-content:space-between;max-width:unset;-webkit-align-itmes:center !important;-webkit-box-align-itmes:center !important;-ms-flex-align-itmes:center !important;align-itmes:center !important;padding-bottom:10px;} .jpEDVw > span{padding-top:3px;font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-weight:600;font-size:16px;color:#161616;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:24px;} .jpEDVw > div{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-itmes:center !important;-webkit-box-align-itmes:center !important;-ms-flex-align-itmes:center !important;align-itmes:center !important;} .jpEDVw > div a{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-itmes:center !important;-webkit-box-align-itmes:center !important;-ms-flex-align-itmes:center !important;align-itmes:center !important;color:#3d3d3d;} .jpEDVw .ibm-icononly{margin-left:18px;} .jpEDVw .ibm-icononly a{margin-right:20px;width:1.7em;}.dOjJfm{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-box-pack:start;-webkit-justify-content:start;-ms-flex-pack:start;justify-content:start;max-width:unset;-webkit-align-itmes:center !important;-webkit-box-align-itmes:center !important;-ms-flex-align-itmes:center !important;align-itmes:center !important;padding-bottom:12px;} .dOjJfm > span{padding-top:3px;font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-weight:600;font-size:16px;color:#161616;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:24px;} .dOjJfm > div{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-itmes:center !important;-webkit-box-align-itmes:center !important;-ms-flex-align-itmes:center !important;align-itmes:center !important;} .dOjJfm > div a{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-itmes:center !important;-webkit-box-align-itmes:center !important;-ms-flex-align-itmes:center !important;align-itmes:center !important;color:#3d3d3d;} .dOjJfm .ibm-icononly{margin-left:18px;} .dOjJfm .ibm-icononly a{margin-right:20px;width:1.7em;} /* sc-component-id: ShareBookmark__BookmarkDiv-sc-9caa5f1c-0 */ .cTxnEo{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;font-weight:600;font-size:1rem;color:#323232;line-height:1.375rem;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;margin-bottom:0.75rem;} .cTxnEo > span{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;white-space:nowrap;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;margin-right:0.938rem;font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-weight:600;font-size:1rem;color:#161616;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:1.5rem;} .cTxnEo > div{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;} /* sc-component-id: ShareBookmark__ShareBookmarkWrapper-sc-9caa5f1c-1 */ .julLYK{padding-bottom:0.75rem;} @media (min-width:1056px){.julLYK{display:none;}} /* sc-component-id: ShareBookmark__ShareDiv-sc-9caa5f1c-2 */ .clVYUw div{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-items:center !important;-webkit-box-align:center !important;-ms-flex-align:center !important;align-items:center !important;} .clVYUw div a[class*='-mono-link']::before{color:#0f62fe;width:1.75rem;} .clVYUw .ibm-icononly{margin-top:0rem;margin-right:0rem;margin-bottom:-0.625rem;margin-left:1rem;} @media (min-width:672px){.clVYUw .ibm-icononly{margin-left:18px;}}.gHGLnY div{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-items:center !important;-webkit-box-align:center !important;-ms-flex-align:center !important;align-items:center !important;} .gHGLnY div a[class*='-mono-link']::before{color:#0f62fe;width:1.75rem;} .gHGLnY .ibm-icononly{margin-top:0rem;margin-right:1rem;margin-bottom:-0.625rem;margin-left:auto;} @media (min-width:672px){.gHGLnY .ibm-icononly{margin-left:18px;}} /* sc-component-id: ShareBookmark__AuthorWrapper-sc-9caa5f1c-3 */ .hUhuvk .ibm-type-b{max-width:unset;} /* sc-component-id: ShareBookmark__AuthorsP-sc-9caa5f1c-4 */ .Jckgp{font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-weight:600;font-size:1rem;color:#3d3d3d;-webkit-letter-spacing:0.01rem;-moz-letter-spacing:0.01rem;-ms-letter-spacing:0.01rem;letter-spacing:0.01rem;line-height:1.125rem;margin-bottom:0.5rem;} /* sc-component-id: ShareBookmark__BookmarkButtonWrapper-sc-9caa5f1c-5 */ @media (min-width:672px){.dwAvbx{margin:0;}}.iGmPfq{margin:0rem 1rem 0rem auto;} @media (min-width:672px){.iGmPfq{margin:0;}} /* sc-component-id: ButtonGroupContainer__StyledButtonGroupContainer-sc-819d19fb-0 */ .kFxVon #ButtonGroup__CustomDownloadBtnContainer .button-primary,.kFxVon #ButtonGroup__CustomDownloadBtnContainer .button-secondary,.kFxVon #ButtonGroup__CustomDownloadBtnContainer .button-secondary-rebrand{-webkit-flex-direction:row;-ms-flex-direction:row;flex-direction:row;-webkit-box-pack:justify;-webkit-justify-content:space-between;-ms-flex-pack:justify;justify-content:space-between;}.kWkkeL #ButtonGroup__CustomDownloadBtnContainer .button-primary,.kWkkeL #ButtonGroup__CustomDownloadBtnContainer .button-secondary,.kWkkeL #ButtonGroup__CustomDownloadBtnContainer .button-secondary-rebrand{-webkit-flex-direction:initial;-ms-flex-direction:initial;flex-direction:initial;-webkit-box-pack:initial;-webkit-justify-content:initial;-ms-flex-pack:initial;justify-content:initial;} /* sc-component-id: GenAIBookCard-styled__CardWrapper-sc-37fdfbf6-0 */ @media (min-width:672px) and (max-width:1055px){.AEpRA{display:inline-block;width:50%;padding-right:1.5rem;}} @media (max-width:671px){.AEpRA{padding-bottom:0.75rem;}} .AEpRA .button-primary{min-width:100% !important;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-box-pack:justify !important;-webkit-justify-content:space-between !important;-ms-flex-pack:justify !important;justify-content:space-between !important;} /* sc-component-id: GenAIBookCard-styled__ContentWrapper-sc-37fdfbf6-1 */ .hDHubw{margin-bottom:1.5rem;} @media (min-width:672px) and (max-width:1055px){.hDHubw{display:-webkit-inline-box;display:-webkit-inline-flex;display:-ms-inline-flexbox;display:inline-flex;}} /* sc-component-id: GenAIBookCard-styled__LinkCard-sc-37fdfbf6-2 */ .bWlMrq{display:inline-block;position:relative;width:100%;height:10.9375rem;max-height:11rem;background-color:unset;padding:1.5rem;cursor:pointer;margin-bottom:0rem;} .bWlMrq:hover{-webkit-filter:brightness(95%);}.kPIGeb{display:inline-block;position:relative;width:100%;height:10.9375rem;max-height:11rem;background-color:#e5f6ff;padding:1.5rem;cursor:pointer;margin-bottom:0rem;} .kPIGeb:hover{-webkit-filter:brightness(95%);} /* sc-component-id: GenAIBookCard-styled__LinkCardArrow-sc-37fdfbf6-3 */ .fmDXox{height:0.938rem;width:1.125rem;} /* sc-component-id: GenAIBookCard-styled__LinkCardIcon-sc-37fdfbf6-4 */ .cJsWRc{position:absolute;z-index:1;bottom:1.5rem;height:1.5rem;width:1.5rem;} /* sc-component-id: GenAIBookCard-styled__CardSubtitle-sc-37fdfbf6-5 */ .hlMPaq{font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-size:0.875rem;font-style:normal;font-weight:400;line-height:1.25rem;color:#262626;padding-top:0.5rem;} /* sc-component-id: BookmarkShareAssetAuthor__AssetWrapper-sc-8d6c8842-0 */ @media (min-width:672px){.fsZrg{display:inline-block;width:auto;padding-right:1.5rem;}} @media (min-width:1056px){.fsZrg{display:block;width:auto;padding-right:0;}}@media (min-width:672px){.hlNMmx{display:inline-block;width:50%;padding-right:1.5rem;}} @media (min-width:1056px){.hlNMmx{display:inline-block;width:39%;padding-right:0;}} /* sc-component-id: BookmarkShareAssetAuthor__AuthorsP-sc-8d6c8842-1 */ .gqQFWX{font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-weight:600;font-size:1rem;color:#3d3d3d;-webkit-letter-spacing:0.01rem;-moz-letter-spacing:0.01rem;-ms-letter-spacing:0.01rem;letter-spacing:0.01rem;line-height:1.125rem;margin-bottom:0.5rem;} /* sc-component-id: BookmarkShareAssetAuthor__AuthorWrapper-sc-8d6c8842-2 */ .hzwmsQ .ibm-type-b{max-width:unset;} /* sc-component-id: BookmarkShareAssetAuthor__CardTitle-sc-8d6c8842-3 */ .cbtUkO{font-weight:600;font-size:1rem;color:rgb(39,39,39);line-height:1.375rem;margin-bottom:0.5rem;} /* sc-component-id: BookmarkShareAssetAuthor__ContainerWrapper-sc-8d6c8842-5 */ @media (min-width:1056px){}@media (min-width:1056px){.jnGkPy{display:none;}} /* sc-component-id: BookmarkShareAssetAuthor__ContentWrapper-sc-8d6c8842-6 */ .fXTApe{margin-bottom:1.5rem;} @media (min-width:672px){.fXTApe{display:-webkit-inline-box;display:-webkit-inline-flex;display:-ms-inline-flexbox;display:inline-flex;}} @media (min-width:1056px){.fXTApe{display:block;}} /* sc-component-id: BookmarkShareAssetAuthor__DownloadTranslationWrapperDiv-sc-8d6c8842-7 */ .hHmBnG{margin-top:0.313rem;} .hHmBnG #TranslationTitle_Id{color:#161616 !important;} @media (min-width:672px){}.ffoqw{margin-top:0.313rem;} .ffoqw #TranslationTitle_Id{color:#161616 !important;} @media (min-width:672px){.ffoqw{display:none;}}.ggvvhk{margin-top:1rem;} .ggvvhk #TranslationTitle_Id{color:#161616 !important;} @media (min-width:672px){.ggvvhk{display:none;}} /* sc-component-id: BookmarkShareAssetAuthor__Insight-sc-8d6c8842-8 */ .hKkmxK .button-secondary-rebrand{width:100%;} .hKkmxK .icon-arrow{margin-right:0;margin-left:auto;} .hKkmxK .button-group{margin-bottom:-1.5rem;} @media (min-width:672px){.hKkmxK{display:inline-block;width:50%;padding-top:0.5rem;padding-left:1.5rem;border-left:0.063rem solid #e0e0e0;}} @media (min-width:1056px){.hKkmxK{display:block;width:auto;padding-top:0;padding-left:0;border-left:0;}} /* sc-component-id: BookmarkShareAssetAuthor__InsightText-sc-8d6c8842-9 */ .hdLYxA{font-size:0.875rem;line-height:20px;} /* sc-component-id: BookmarkShareAssetAuthor__MainWrapper-sc-8d6c8842-15 */ .hyoheL{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;position:unset;} @media (min-width:672px){.hyoheL .divider{display:none;}} @media (min-width:1056px){.hyoheL .divider{display:block;}} @media (min-width:1056px){.hyoheL{padding-left:0rem;padding-right:0rem;max-width:100%;}} /* sc-component-id: BookmarkShareAssetAuthor__Spacer-sc-8d6c8842-16 */ @media (min-width:1056px){.cwDUVM{display:none;}} /* sc-component-id: BookmarkShareAssetAuthor__AssetDownloadTranslationWrapper-sc-8d6c8842-17 */ .kFjosU{display:block;width:auto;}.gxnvzM{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;width:auto;}.dzzLtd{display:block;width:50%;} /* sc-component-id: BookmarkShareAssetAuthor__DownloadTranslationsDropdownWrapper-sc-8d6c8842-18 */ .jvUgGK{display:none;} @media (min-width:672px){.jvUgGK{display:inline-block;width:50%;padding:1.5rem 0rem;margin-left:1rem;}.jvUgGK #TranslationTitle_Id{font-weight:600;color:#000000;}} @media (min-width:1056px){.jvUgGK{display:inline-block;width:31%;margin-left:2.5%;}} /* sc-component-id: OutroSection-styled__ButtonGroupContainer-sc-32bc2e62-0 */ .fpoBbK{padding-top:2rem;} @media (min-width:672px){.fpoBbK #custom-download-btn-1,.fpoBbK #think-subscribe-button{min-width:100%;}} .fpoBbK #custom-download-btn-1 i,.fpoBbK #think-subscribe-button i{margin:1rem 0 auto auto;} /* sc-component-id: OutroSection-styled__DateContainer-sc-32bc2e62-1 */ .fMjuxO{display:none;} @media (min-width:1056px){.fMjuxO{display:block;font-size:0.875rem;line-height:1.125rem;margin-top:-0.625rem;}} /* sc-component-id: OutroSection-styled__DownloadAssetWrapper-sc-32bc2e62-2 */ .jQWgZs{padding-top:1.4375rem;} @media (min-width:1056px){.jQWgZs{display:none;}} /* sc-component-id: OutroSection-styled__ImageContainer-sc-32bc2e62-3 */ .dylcLw{text-align:center;width:100%;} /* sc-component-id: OutroSection-styled__SectionImage-sc-32bc2e62-4 */ .cDLkTq{margin-top:4.6875rem;max-width:100%;} @media (min-width:672px){.cDLkTq{max-width:100%;}} @media (min-width:1056px){.cDLkTq{padding-right:1rem;}} /* sc-component-id: OutroSection-styled__Wrapper-sc-32bc2e62-6 */ .fndIhh{padding-bottom:3rem;} @media (min-width:1056px){.fndIhh{padding-bottom:1.5rem;}} .fndIhh .footer-content-block .footer-content{margin:4.6875rem 0rem 0.625rem 0;} @media (max-width:1055px){.fndIhh .footer-content-block .footer-content{margin-left:1rem;}} @media (max-width:671px){.fndIhh .footer-content-block .footer-content{margin:2.5rem 2.5rem 0.625rem 1rem;}} .fndIhh .footer-content-block .footer-content .content-heading{font-size:2rem;line-height:2.5rem;font-weight:300;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;color:#000000;} @media (max-width:671px){.fndIhh .footer-content-block .footer-content .content-heading{font-size:1.75rem;font-weight:300;line-height:2rem;}} .fndIhh .footer-content-block .footer-content .content-button-group{margin-top:3rem;} @media (max-width:671px){.fndIhh .footer-content-block .footer-content .content-button-group{font-size:1.25rem;margin-top:2.5rem;}.fndIhh .footer-content-block .footer-content .content-button-group .button-primary,.fndIhh .footer-content-block .footer-content .content-button-group .button-secondary{display:block;padding:0 0 1rem 1rem;margin-right:-1.5rem;margin-bottom:1rem;text-align:right;}.fndIhh .footer-content-block .footer-content .content-button-group .button-primary .button-text,.fndIhh .footer-content-block .footer-content .content-button-group .button-secondary .button-text{float:left;margin-top:0.9375rem;}.fndIhh .footer-content-block .footer-content .content-button-group .button-primary i,.fndIhh .footer-content-block .footer-content .content-button-group .button-secondary i{margin-right:1rem;}.fndIhh .footer-content-block .footer-content .content-button-group .button-primary i img,.fndIhh .footer-content-block .footer-content .content-button-group .button-secondary i img{width:0.9375rem;height:0.75rem;}} /* sc-component-id: Page-styled__LeadspaceWrapper-sc-9329bd9b-0 */ @media (min-width:672px) and (max-width:1056px){.iRNWaB #basic-leadspace-wrapper{padding-bottom:0;}} .iRNWaB #basic-leadspace-text-title{font-size:2rem;line-height:2.5rem;font-weight:300;} @media (min-width:672px){.iRNWaB #basic-leadspace-text-title{font-size:3.375rem;line-height:4rem;}} .iRNWaB #basic-leadspace-text-container{padding-top:1rem;padding-bottom:14rem;} @media (min-width:672px){.iRNWaB #basic-leadspace-text-container{padding-top:2rem;padding-bottom:16rem;}} @media (min-width:1056px){.iRNWaB #basic-leadspace-text-container{padding-bottom:10rem;}} @media (min-width:596px) and (max-width:672px){.iRNWaB #basic-leadspace-text-container #basic-leadspace-text-description{width:55%;}} /* sc-component-id: Page-styled__MarketingLinksWrapper-sc-9329bd9b-1 */ .lfvrPL{padding-top:3.4695rem;} /* sc-component-id: PastStudiesTabs-styled__DesktopHeaderDiv-sc-d76b2e44-0 */ @media (max-width:671px){.cZVVDF{display:none;}} /* sc-component-id: PastStudiesTabs-styled__MobileHeaderDiv-sc-d76b2e44-1 */ .fHMCta{display:none;} @media (max-width:671px){.fHMCta{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-box-pack:start;-webkit-justify-content:flex-start;-ms-flex-pack:start;justify-content:flex-start;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;width:100%;margin-right:-1rem;margin-left:-1rem;}.fHMCta:last-child{-webkit-box-flex:1;-webkit-flex-grow:1;-ms-flex-positive:1;flex-grow:1;}} /* sc-component-id: PastStudiesTabs-styled__SectionTitleDiv-sc-d76b2e44-2 */ .jfdbec{color:#161616;font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-size:1.75rem;font-weight:300;line-height:2.25rem;padding-right:3.75rem;} @media (max-width:671px){.jfdbec{float:left;color:#161616;max-width:12.5rem;margin-right:15%;margin-bottom:1.5rem;padding-left:0.8125rem;padding-right:unset;}} /* sc-component-id: PastStudiesTabs-styled__TabSelectControlDropdown-sc-d76b2e44-3 */ .heafpv{width:75%;height:2.8125rem;margin-bottom:1.25rem;} .heafpv label{display:block;font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-weight:300;color:#525252;font-size:0.75rem;line-height:1rem;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;margin-top:-0.625rem;margin-bottom:0.625rem;} .heafpv select{-webkit-appearance:none;-moz-appearance:none;appearance:none;-webkit-appearance:none;-moz-appearance:none;background-color:#f4f4f4;background-image:url('/thought-leadership/institute-business-value/public/static/images/arrow_down.webp');background-repeat:no-repeat;background-size:0.9375rem 0.9375rem;background-position:95% 50%;width:100%;height:100%;color:#000000;cursor:pointer;border:none;border-bottom:0.0625rem solid #8d8d8d;padding-left:1rem;font-size:0.875rem;line-height:1.125rem;font-weight:100;} @media (min-width:672px){.heafpv{display:none;}} /* sc-component-id: PastStudiesTabPanel-styled__Arrow-sc-a26dc595-0 */ .cQiJna{margin-top:0.0625rem;-webkit-text-decoration:none !important;text-decoration:none !important;} .cQiJna:after{content:'→';padding-left:0.75rem;-webkit-text-decoration:none !important;text-decoration:none !important;} /* sc-component-id: PastStudiesTabPanel-styled__DesktopTabPanelDiv-sc-a26dc595-1 */ @media (max-width:671px){.gyLjZi{display:none;}} /* sc-component-id: PastStudiesTabPanel-styled__MobileTabPanelDiv-sc-a26dc595-2 */ .dzWPHf{display:none;} @media (max-width:671px){.dzWPHf{display:block;margin-left:0rem !important;}} /* sc-component-id: PastStudiesTabPanel-styled__RoleImage-sc-a26dc595-3 */ .ejySwB{width:7.875rem;height:5.9375rem;margin-top:0.9375rem;margin-bottom:0.625rem;border:0.0625rem solid #8d8d8d;} @media (max-width:671px){.ejySwB{width:9.6875rem;height:7.3125rem;}} /* sc-component-id: PastStudiesTabPanel-styled__ReportActionLink-sc-a26dc595-4 */ .kQxgKh{display:block;font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-weight:300;font-size:0.875rem;color:#0f62fe;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:1.5rem;margin-top:0.125rem;margin-bottom:0.5rem;} @media (max-width:671px){.kQxgKh{color:#0f62fe;-webkit-letter-spacing:0.01rem;-moz-letter-spacing:0.01rem;-ms-letter-spacing:0.01rem;letter-spacing:0.01rem;line-height:1.125rem;height:unset;}} .kQxgKh:hover{color:#0050e6;font-weight:400;} .kQxgKh:focus{outline:none;} /* sc-component-id: PastStudiesTabPanel-styled__ReportYearDiv-sc-a26dc595-5 */ .fdvNMi{color:#161616;font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-size:1.25rem;line-height:1.625rem;} /* sc-component-id: PastStudiesSection-styled__ArchivesDiv-sc-3896ff71-0 */ .ZEeou{background:#ffffff;color:#161616;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;} @media (max-width:320px){.ZEeou{padding-left:0.8125rem;}} @media (max-width:540px){.ZEeou{margin-left:0;}} @media (min-width:671px){.ZEeou{border-top:0.0625rem solid #c6c6c6;padding-top:3.4375rem !important;}} /* sc-component-id: PastStudiesSection-styled__PastCXOStydiesDiv-sc-3896ff71-1 */ .lkXdjR{background:#ffffff;padding-top:3.4375rem;padding-bottom:0rem;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:row;-ms-flex-direction:row;flex-direction:row;} @media (max-width:671px){.lkXdjR{padding-bottom:1.25rem;margin-top:3.5rem;padding-top:0rem;}} @media (max-width:320px){.lkXdjR{padding-right:16px;padding-left:16px;}} /* sc-component-id: PastStudiesSection-styled__SectionNavDiv-sc-3896ff71-3 */ .ikNEWw{margin-bottom:1.875rem;} /* sc-component-id: PercentageSection-styled__Wrapper-sc-f728e591-0 */ .dPhbYw{background-color:#f4f4f4;} /* sc-component-id: Quote-styled__Wrapper-sc-b69405d6-0 */ .bDXyPq{padding-bottom:2.625rem;padding-left:1rem;} @media (min-width:672px){.bDXyPq{-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;padding-bottom:4rem;}} @media (min-width:1056px){.bDXyPq{-webkit-flex-direction:row;-ms-flex-direction:row;flex-direction:row;padding-bottom:5rem;padding-left:0rem;}} /* sc-component-id: Quote-styled__Quote-sc-b69405d6-1 */ .dEiDSc{color:#000000;font-size:2rem;font-style:normal;font-weight:300;line-height:2.5rem;text-indent:-0.5em;padding-left:1rem;}.ddVIPu{color:#000000;font-size:2rem;font-style:normal;font-weight:300;line-height:2.5rem;text-indent:-1em;padding-left:1rem;} /* sc-component-id: Quote-styled__Author-sc-b69405d6-2 */ .dAHpKJ{color:#161616;font-size:1rem;font-style:normal;font-weight:400;line-height:1.375rem;padding-top:1rem;text-indent:-1em;padding-left:1rem;} .dAHpKJ .UIWrapperEditIconContainer{top:-1rem;right:-1.9rem;} /* sc-component-id: Quote-styled__AuthorDescription-sc-b69405d6-3 */ .dndWRr{color:#161616;font-size:1rem;font-style:normal;font-weight:400;line-height:1.375rem;padding-left:0.875rem;} .dndWRr .UIWrapperEditIconContainer{top:-1.5rem;right:-1.5rem;} /* sc-component-id: Percentages-styled__Wrapper-sc-ab6683b8-0 */ .fHNiVZ{padding-top:4rem;} @media (min-width:1056px){.fHNiVZ{padding-top:5rem;}} /* sc-component-id: Percentages-styled__PercentageDivider-sc-ab6683b8-1 */ @media (min-width:672px){.crsdJO{display:none;}} @media (min-width:1056px){.crsdJO{display:block;}} /* sc-component-id: QuoteSection-styled__Wrapper-sc-d12dbb37-0 */ .sFGEY{background-color:#f4f4f4;} /* sc-component-id: QuoteSection-styled__QuoteWrapper-sc-d12dbb37-1 */ .fKUJSP{padding-left:0;} /* sc-component-id: QuoteSection-styled__Quote-sc-d12dbb37-2 */ .iXnbfW{color:#fa4d56;font-size:2rem;font-style:normal;font-weight:300;line-height:2.5rem;padding-top:6.5rem;padding-bottom:6.5rem;text-indent:0;padding-left:0;} @media (min-width:672px){.iXnbfW{font-size:3.375rem;line-height:4rem;padding-top:8rem;padding-bottom:8rem;}} @media (min-width:1056px){.iXnbfW{padding-top:10rem;padding-bottom:10rem;max-width:70%;}} .iXnbfW > span{font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;}.bkuUQg{color:#6929C4;font-size:2rem;font-style:normal;font-weight:300;line-height:2.5rem;padding-top:6.5rem;padding-bottom:6.5rem;text-indent:-0.5em;padding-left:2.5rem;} @media (min-width:672px){.bkuUQg{font-size:3.75rem;line-height:4rem;padding-top:8rem;padding-bottom:8rem;}} @media (min-width:1056px){.bkuUQg{padding-top:10rem;padding-bottom:10rem;max-width:70%;}} .bkuUQg > span{font-family:'IBM Plex Serif','Georgia',Times,serif;}.ifyOoE{color:#007D79;font-size:2rem;font-style:normal;font-weight:300;line-height:2.5rem;padding-top:6.5rem;padding-bottom:6.5rem;text-indent:-0.5em;padding-left:2.5rem;} @media (min-width:672px){.ifyOoE{font-size:3.375rem;line-height:4rem;padding-top:8rem;padding-bottom:8rem;}} @media (min-width:1056px){.ifyOoE{padding-top:10rem;padding-bottom:10rem;max-width:70%;}} .ifyOoE > span{font-family:'IBM Plex Serif','Georgia',Times,serif;} /* sc-component-id: QuoteSection-styled__DesktopDivider-sc-d12dbb37-5 */ .eKXytJ{display:none;} @media (min-width:672px){.eKXytJ{-webkit-flex-direction:row-reverse;-ms-flex-direction:row-reverse;flex-direction:row-reverse;}} @media (min-width:1056px){.eKXytJ{display:block;}} /* sc-component-id: VideoSection-styled__Quote-sc-513c0519-3 */ .ewIbez{color:#fa4d56;font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-size:2rem;font-weight:300;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:2.5rem;}.dkexOC{color:#6929C4;font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-size:2rem;font-weight:300;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:2.5rem;}.jLqstL{color:#007D79;font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-size:2rem;font-weight:300;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:2.5rem;} /* sc-component-id: VideoSection-styled__SectionIntroQuote-sc-513c0519-4 */ @media (max-width:320px){.hECoUs{padding:0 1rem;}} /* sc-component-id: VideoSection-styled__SectionIntroDiv-sc-513c0519-5 */ .ewGLRm{background-color:#ffffff;padding-top:2rem;} @media (min-width:672px){.ewGLRm{padding:0rem;}} .ewGLRm #ButtonGroup__CustomDownloadBtnContainer .button-primary,.ewGLRm #ButtonGroup__CustomDownloadBtnContainer .button-secondary,.ewGLRm #ButtonGroup__CustomDownloadBtnContainer .button-secondary-rebrand{min-width:initial;} .ewGLRm #custom-download-btn-1{margin-right:0;} .ewGLRm #custom-download-btn-2{display:none;} .ewGLRm .SectionIntroDownloadImage{margin:0.625rem;right:-5%;position:relative;margin:1rem 0rem;} @media (min-width:672px){.ewGLRm .SectionIntroDownloadImage{float:right;margin:unset;}} .ewGLRm .SectionIntroDownloadImage .button-primary{width:100%;} @media (min-width:672px){.ewGLRm .SectionIntroDownloadImage .button-primary{max-width:16rem;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;}} .ewGLRm div[class*='CustomDownloadBtnDiv']{padding-top:0 !important;padding-bottom:0 !important;margin-left:unset;margin-right:unset;} .ewGLRm div[class*='CustomDownloadBtnDiv'] .button-group_buttons{padding:0;} .ewGLRm div[class*='CustomDownloadBtnDiv'] .button-group_buttons .button-primary{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-box-pack:justify;-webkit-justify-content:space-between;-ms-flex-pack:justify;justify-content:space-between;} @media (max-width:768px){.ewGLRm{padding-left:0rem;}.ewGLRm .SectionIntroDownloadImage{position:unset;}} /* sc-component-id: VideoSection-styled__Wrapper-sc-513c0519-11 */ .fQHCiG{padding-top:3rem;padding-bottom:4rem;} @media (min-width:672px){.fQHCiG{padding-top:2rem;padding-bottom:4rem;}} @media (min-width:1056px){.fQHCiG{padding-top:4rem;}} /* sc-component-id: VideoPlayer-styled__VideoContainer-sc-ce305687-1 */ .kwNoQQ{margin:0 auto;} /* sc-component-id: VideoPlayer-styled__BriefVideoWrapper-sc-ce305687-2 */ .jPJoAQ circle:hover{fill:transparent;}.joGwwz circle:hover{fill:#393939;} /* sc-component-id: CustomLineChart__DesktopDiv-sc-9f1bad4f-0 */ .iwlLKh{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:row;-ms-flex-direction:row;flex-direction:row;-webkit-flex-wrap:wrap;-ms-flex-wrap:wrap;flex-wrap:wrap;} /* sc-component-id: CustomLineChart__ChartDescriptionDiv-sc-9f1bad4f-1 */ .cKDmpZ{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;-webkit-flex-wrap:nowrap;-ms-flex-wrap:nowrap;flex-wrap:nowrap;padding-left:8px;width:31%;margin-top:65px;} @media (max-width:1313px){.cKDmpZ{padding-left:0px;width:100%;margin-top:30px;}} /* sc-component-id: CustomLineChart__DescriptionItemDiv-sc-9f1bad4f-2 */ 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*/ .fEFNVL{width:100%;} /* sc-component-id: UseChart__ChartButtonsDiv-sc-78f3173e-0 */ .dNYGIn{width:111%;margin-top:32px;margin-left:-5.5%;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:row;-ms-flex-direction:row;flex-direction:row;-webkit-flex-wrap:nowrap;-ms-flex-wrap:nowrap;flex-wrap:nowrap;-webkit-box-pack:justify;-webkit-justify-content:space-between;-ms-flex-pack:justify;justify-content:space-between;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;} /* sc-component-id: UseChart__MiddleButtonWithCircleDiv-sc-78f3173e-1 */ 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.fkZLQm{z-index:5;color:#171717;font-size:16px;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:24px;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:row;-ms-flex-direction:row;flex-direction:row;-webkit-flex-wrap:nowrap;-ms-flex-wrap:nowrap;flex-wrap:nowrap;-webkit-box-pack:justify;-webkit-justify-content:space-between;-ms-flex-pack:justify;justify-content:space-between;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;height:88px;width:32.8%;background-color:#E0E0E0;cursor:pointer;overflow:hidden;border-radius:44px 0 0 44px;} .fkZLQm > i{display:-webkit-inline-box;display:-webkit-inline-flex;display:-ms-inline-flexbox;display:inline-flex;padding-left:16px;padding-right:8px;} .fkZLQm > span{padding-left:8px;padding-right:8px;} .fkZLQm:hover{box-shadow:0 0 0 2px #fff,0 0 0 4px rgba(252,123,30,0.45),0 0 0 6px #fff,0 0 0 8px rgba(252,123,30,0.2);z-index:10;} @media (max-width:1300px){.fkZLQm > span{font-size:14px;line-height:20px;}} @media (max-width:1100px){.fkZLQm > i{padding-left:8px;padding-right:4px;}.fkZLQm > span{padding-left:4px;padding-right:4px;}} @media (max-width:1055px){.fkZLQm{-webkit-box-pack:center;-webkit-justify-content:center;-ms-flex-pack:center;justify-content:center;}.fkZLQm > i{padding-left:0px;padding-right:0px;}.fkZLQm > span{display:none;}} .fkZLQm > i{padding-left:44px;margin-left:-8px;} @media (max-width:1055px){.fkZLQm > i{padding-left:5%;margin-left:0px;}} @media (max-width:700px){.fkZLQm > i{padding-left:10%;}} @media (max-width:400px){.fkZLQm > i{padding-left:15%;}} /* sc-component-id: UseChart__Wrapper-sc-78f3173e-4 */ .bZspHc{position:relative;top:0;left:0;height:450px;} /* sc-component-id: UseChart__CanvasWrapper-sc-78f3173e-5 */ .eRnwQs{z-index:0;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;position:relative;height:500px;width:calc(100% - 10px);} @media (max-width:400px){.eRnwQs{margin-top:-40px;}} @media (max-width:350px){.eRnwQs{margin-top:-60px;}} /* sc-component-id: UseChart__LeftButtonIndicatorDiv-sc-78f3173e-7 */ .iEgTaj{visibility:hidden;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:row;-ms-flex-direction:row;flex-direction:row;-webkit-flex-wrap:nowrap;-ms-flex-wrap:nowrap;flex-wrap:nowrap;-webkit-box-pack:start;-webkit-justify-content:flex-start;-ms-flex-pack:start;justify-content:flex-start;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;position:absolute;right:12%;top:30px;} .iEgTaj > i{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;-webkit-box-pack:center;-webkit-justify-content:center;-ms-flex-pack:center;justify-content:center;width:66px;height:66px;border:2px solid;border-radius:50%;} .iEgTaj > span{font-size:48px;font-weight:300;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:64px;margin-left:16px;} @media (max-width:1400px){.iEgTaj{-webkit-transform:scale(0.88);-ms-transform:scale(0.88);transform:scale(0.88);}} @media (max-width:1350px){.iEgTaj{-webkit-transform:scale(0.78);-ms-transform:scale(0.78);transform:scale(0.78);}} @media (max-width:1300px){.iEgTaj{-webkit-transform:scale(0.68);-ms-transform:scale(0.68);transform:scale(0.68);}.iEgTaj > span{margin-left:8px;}} @media (max-width:1250px){.iEgTaj{-webkit-transform:scale(0.58);-ms-transform:scale(0.58);transform:scale(0.58);}.iEgTaj > span{margin-left:4px;}} @media (max-width:760px){.iEgTaj{-webkit-transform:scale(0.48);-ms-transform:scale(0.48);transform:scale(0.48);}} @media (max-width:390px){.iEgTaj{-webkit-transform:scale(0.38);-ms-transform:scale(0.38);transform:scale(0.38);}} .iEgTaj i{border-color:#0072c3;} .iEgTaj > span{color:#0072c3;} @media (max-width:1215px){.iEgTaj{margin-right:60px;}} @media (max-width:1150px){.iEgTaj{margin-right:30px;}} @media (max-width:950px){.iEgTaj{margin-right:0px;}} @media (max-width:800px){.iEgTaj{margin-right:-10px;}} @media (max-width:671px){.iEgTaj{margin-right:50px;top:15px;}} @media (max-width:620px){.iEgTaj{margin-right:20px;top:15px;}} @media (max-width:515px){.iEgTaj{margin-right:0px;}} @media (max-width:490px){.iEgTaj{margin-right:-30px;top:calc(10%);}} @media (max-width:440px){.iEgTaj{top:calc(15%);}} @media (max-width:370px){.iEgTaj{top:calc(17.5%);}} @media (max-width:350px){.iEgTaj{margin-right:-45px;top:calc(20%);}} /* sc-component-id: UseChart__MiddleButtonIndicatorDiv-sc-78f3173e-8 */ .gGwkFR{visibility:hidden;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:row;-ms-flex-direction:row;flex-direction:row;-webkit-flex-wrap:nowrap;-ms-flex-wrap:nowrap;flex-wrap:nowrap;-webkit-box-pack:start;-webkit-justify-content:flex-start;-ms-flex-pack:start;justify-content:flex-start;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;position:absolute;left:3%;top:180px;} .gGwkFR > i{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;-webkit-box-pack:center;-webkit-justify-content:center;-ms-flex-pack:center;justify-content:center;width:66px;height:66px;border:2px solid;border-radius:50%;} .gGwkFR > span{font-size:48px;font-weight:300;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:64px;margin-left:16px;} @media (max-width:1400px){.gGwkFR{-webkit-transform:scale(0.88);-ms-transform:scale(0.88);transform:scale(0.88);}} @media (max-width:1350px){.gGwkFR{-webkit-transform:scale(0.78);-ms-transform:scale(0.78);transform:scale(0.78);}} @media (max-width:1300px){.gGwkFR{-webkit-transform:scale(0.68);-ms-transform:scale(0.68);transform:scale(0.68);}.gGwkFR > span{margin-left:8px;}} @media (max-width:1250px){.gGwkFR{-webkit-transform:scale(0.58);-ms-transform:scale(0.58);transform:scale(0.58);}.gGwkFR > span{margin-left:4px;}} @media (max-width:760px){.gGwkFR{-webkit-transform:scale(0.48);-ms-transform:scale(0.48);transform:scale(0.48);}} @media (max-width:390px){.gGwkFR{-webkit-transform:scale(0.38);-ms-transform:scale(0.38);transform:scale(0.38);}} .gGwkFR i{border-color:#33b1ff;} .gGwkFR > span{color:#33b1ff;} @media (max-width:1215px){.gGwkFR{margin-left:30px;}} @media (max-width:1120px){.gGwkFR{margin-left:15px;}} @media (max-width:1000px){.gGwkFR{margin-left:0px;}} @media (max-width:900px){.gGwkFR{margin-left:-30px;}} @media (max-width:820px){.gGwkFR{margin-left:-40px;}} @media (max-width:700px){.gGwkFR{top:140px;}} @media (max-width:671px){.gGwkFR{margin-left:0px;top:160px;}} @media (max-width:570px){.gGwkFR{top:130px;}} @media (max-width:515px){.gGwkFR{margin-left:-30px;}} @media (max-width:470px){.gGwkFR{margin-left:-45px;top:110px;}} @media (max-width:370px){.gGwkFR{top:120px;}} @media (max-width:340px){.gGwkFR{top:130px;}} /* sc-component-id: UseChart__RightButtonIndicatorDiv-sc-78f3173e-9 */ .kxDYhT{visibility:hidden;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:row;-ms-flex-direction:row;flex-direction:row;-webkit-flex-wrap:nowrap;-ms-flex-wrap:nowrap;flex-wrap:nowrap;-webkit-box-pack:start;-webkit-justify-content:flex-start;-ms-flex-pack:start;justify-content:flex-start;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;position:absolute;right:-4%;top:200px;} .kxDYhT > i{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;-webkit-box-pack:center;-webkit-justify-content:center;-ms-flex-pack:center;justify-content:center;width:66px;height:66px;border:2px solid;border-radius:50%;} .kxDYhT > span{font-size:48px;font-weight:300;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:64px;margin-left:16px;} @media 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(max-width:900px){.kxDYhT{top:180px;margin-right:-15px;}} @media (max-width:800px){.kxDYhT{top:150px;}} @media (max-width:700px){.kxDYhT{top:120px;}} @media (max-width:671px){.kxDYhT{margin-right:30px;top:190px;}} @media (max-width:620px){.kxDYhT{margin-right:30px;top:160px;}} @media (max-width:570px){.kxDYhT{margin-right:0px;}} @media (max-width:515px){.kxDYhT{margin-right:0px;}} @media (max-width:470px){.kxDYhT{margin-right:-30px;top:140px;}} @media (max-width:370px){.kxDYhT{margin-right:-50px;top:160px;}} /* sc-component-id: UseChart__ChartDiv-sc-78f3173e-10 */ @media (max-width:1215px){.krKaJT > div{width:120%;margin-left:-10%;}} @media (max-width:1055px){.krKaJT > div{width:105%;margin-left:-2.5%;}} @media (max-width:671px){.krKaJT > div{width:100%;margin-left:unset;}} /* sc-component-id: UseChart__ButtonLabelDiv-sc-78f3173e-11 */ .jjYBxs{display:none;font-size:16px;font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;} @media (max-width:1055px){.jjYBxs{display:none;-webkit-box-pack:center;-webkit-justify-content:center;-ms-flex-pack:center;justify-content:center;margin-top:-90px;}} @media (max-width:800px){.jjYBxs{display:none;-webkit-box-pack:center;-webkit-justify-content:center;-ms-flex-pack:center;justify-content:center;margin-top:-100px;}} @media (max-width:450px){.jjYBxs{display:none;-webkit-box-pack:center;-webkit-justify-content:center;-ms-flex-pack:center;justify-content:center;margin-top:-110px;}} @media (max-width:400px){.jjYBxs{display:none;-webkit-box-pack:center;-webkit-justify-content:center;-ms-flex-pack:center;justify-content:center;margin-top:-120px;}} /* sc-component-id: UseChart__IBVLabelDiv-sc-78f3173e-12 */ @media (max-width:800px){.hbrONl{margin-top:-5%;}} @media (max-width:671px){.hbrONl{margin-top:0px;}} @media (max-width:450px){.hbrONl{margin-top:-5%;}} @media (max-width:350px){.hbrONl{margin-top:-10%;}} /* sc-component-id: SectionGraphRadar__ContentDiv-sc-5b5c1d2c-0 */ .eUynme .ibm-type-c{font-size:16px;max-width:100%;line-height:24px;} /* sc-component-id: SectionGraphBar__ChartDescription2Div-sc-15ba1872-0 */ .ksotmo{width:100%;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-box-pack:start;-webkit-justify-content:flex-start;-ms-flex-pack:start;justify-content:flex-start;margin-bottom:32px;} .ksotmo > div{color:#A8A8A8;font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;word-wrap:break-word;} /* sc-component-id: SectionGraphBar__IconDiv-sc-15ba1872-1 */ .hWhBDO{padding-top:16px;padding-right:8px;padding-left:4px;font-size:56px;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;} /* sc-component-id: SectionGraphBar__TextDiv-sc-15ba1872-2 */ .hpmDDA{font-size:16pxx;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:24px;} /* sc-component-id: SectionGraphBar__ChartOperatingInstructionDiv-sc-15ba1872-3 */ .lkhCpv{margin-bottom:24px;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-box-pack:start;-webkit-justify-content:flex-start;-ms-flex-pack:start;justify-content:flex-start;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;} .lkhCpv > i{margin-left:8px;font-size:16px;font-weight:600;} /* sc-component-id: SectionGraphBar__IBVLabelDiv-sc-15ba1872-4 */ .fwevPr{margin-top:-24px;margin-bottom:16px;} /* sc-component-id: BreadcrumbsOnImage__Wrap-sc-d483394f-0 */ .kCAtVp{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;z-index:10;line-height:19px;} @media (max-width:671px){.kCAtVp{display:none !important;}} .kCAtVp > *{margin-right:0.25rem;-webkit-text-decoration:none !important;text-decoration:none !important;font-size:0.875rem;color:#161616;} .kCAtVp > *:hover span{-webkit-text-decoration:underline;text-decoration:underline;} .kCAtVp > a,.kCAtVp > a span{color:#0f62fe;} .kCAtVp > *:after{content:'/';margin-left:0.25rem;display:inline;color:#161616;} .kCAtVp > *:last-child:after{content:'';} .kCAtVp > a{white-space:nowrap;}.CrdTF{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;z-index:10;line-height:19px;} @media (max-width:671px){.CrdTF{display:none !important;}} .CrdTF > *{margin-right:0.25rem;-webkit-text-decoration:none !important;text-decoration:none !important;font-size:1rem;color:#161616;} .CrdTF > *:hover span{-webkit-text-decoration:underline;text-decoration:underline;} .CrdTF > a,.CrdTF > a span{color:#0f62fe;} .CrdTF > *:after{content:'/';margin-left:0.25rem;display:inline;color:#161616;} .CrdTF > *:last-child:after{content:'';} .CrdTF > a{white-space:nowrap;}.cnhXyp{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;z-index:10;line-height:19px;} @media (max-width:671px){.cnhXyp{display:none !important;}} .cnhXyp > *{margin-right:0.25rem;-webkit-text-decoration:none !important;text-decoration:none !important;font-size:0.875rem;color:#393939;} .cnhXyp > *:hover span{-webkit-text-decoration:underline;text-decoration:underline;} .cnhXyp > a,.cnhXyp > a span{color:#0f62fe;} .cnhXyp > *:after{content:'/';margin-left:0.25rem;display:inline;color:#393939;} .cnhXyp > *:last-child:after{content:'';} .cnhXyp > a{white-space:nowrap;} /* sc-component-id: LeadspaceVideo__HeaderVideoDiv-sc-fdd5af7b-0 */ .buoEuX{position:absolute;top:0;left:0;width:100%;height:100%;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:row;-ms-flex-direction:row;flex-direction:row;-webkit-box-pack:center;-webkit-justify-content:center;-ms-flex-pack:center;justify-content:center;} /* sc-component-id: LeadspaceVideo__HeaderVideo-sc-fdd5af7b-1 */ .emUzaB{object-fit:cover;} @media (max-width:671px){.emUzaB{top:100%;}} /* sc-component-id: Leadspace__BreadcrumbWrapper-sc-33fe235c-1 */ .bCddGg{position:relative;} .bCddGg .breadcrumbs{position:relative !important;color:#161616;} /* sc-component-id: Leadspace__HeaderImageDiv-sc-33fe235c-2 */ .dBGlva{position:relative;overflow:hidden;color:white;width:100%;height:0;padding-top:calc(241 / 480.61 * 100%);margin-top:55px;margin-bottom:16px;} @media (max-width:1584px){.dBGlva{margin-top:55px;}} @media (max-width:1312px){.dBGlva{margin-top:50px;}} @media (max-width:1056px){.dBGlva{margin-top:32px;margin-bottom:0px;width:calc(100vw + 2px);left:-34px;}.dBGlva .next-image{object-fit:cover !important;}} /* sc-component-id: Leadspace__HeaderTitleH1-sc-33fe235c-3 */ .dMwHZX{font-size:calc((54 / 1062) * 100vw);line-height:1.13;font-weight:300;color:#161616;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;} .dMwHZX span{white-space:nowrap;position:relative;} @media (max-height:810px){.dMwHZX{font-size:calc((54 / 700) * 100vh);}} @media (min-width:1584px){.dMwHZX{font-size:76px;}@media (max-height:810px){.dMwHZX{font-size:calc((54 / 700) * 100vh);}}} @media (max-width:1056px){.dMwHZX{font-size:54px;}} @media (max-width:672px){.dMwHZX{font-size:42px;line-height:50px;}} @media (max-width:320px){.dMwHZX{font-size:42px;line-height:50px;width:288px;}} /* sc-component-id: Leadspace__HeaderSubTitleDiv-sc-33fe235c-4 */ .eXyBDe{margin-top:64px;font-size:24px;line-height:30px;color:#161616;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;} @media (max-width:1584px){.eXyBDe{margin-top:64px;font-size:24px;line-height:30px;}} @media (max-width:1312px){.eXyBDe{margin-top:53px;font-size:20px;line-height:26px;}} @media (max-width:1056px){.eXyBDe{margin-top:64px;font-size:20px;line-height:26px;}} @media (max-width:672px){.eXyBDe{margin-top:64px;font-size:20px;line-height:26px;}} @media (max-width:320px){.eXyBDe{margin-top:46px;font-size:20px;line-height:26px;width:288px;}} /* sc-component-id: Leadspace__TextWrap-sc-33fe235c-5 */ .fzwqpX{position:relative;} .fzwqpX p{font-size:20px;color:#161616;line-height:26px;} @media (max-width:671px){.fzwqpX > div > h1{color:#000000 !important;}} @media (max-width:671px){.fzwqpX > div > h2{color:#000000 !important;}} @media (max-width:671px){.fzwqpX > div > p{color:#000000 !important;max-width:100% !important;}} /* sc-component-id: Leadspace__MobileBreadcrumbs-sc-33fe235c-6 */ .gWpfHe{font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-size:20px;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:27px;margin-bottom:20px;width:288px;} @media (min-width:672px){.gWpfHe{display:none !important;}} .gWpfHe > *{font-size:20px;margin-right:0.25rem;-webkit-text-decoration:none !important;text-decoration:none !important;} .gWpfHe > a{font-size:20px;margin-right:0.25rem;-webkit-text-decoration:none !important;text-decoration:none !important;} .gWpfHe > *:after{content:'/';margin-left:0.25rem;display:inline;font-size:20px;} .gWpfHe > *:last-child:after{font-size:20px;content:'';color:none !important;} /* sc-component-id: Leadspace__CustomDownloadBtnDiv-sc-33fe235c-7 */ @media (min-width:480px){.gkrrDM #custom-lh-download-btn-1,.gkrrDM #custom-lh-download-btn-2{width:initial;}} .gkrrDM .button-primary{margin-right:16px;} .gkrrDM .button-secondary{background-color:#e5f6ff;border:1px solid #0f62fe;color:#0f62fe;} .gkrrDM .button-secondary:hover{background:#0f62fe;color:#ffffff;} @media (max-width:320px){.gkrrDM .button-secondary{margin-bottom:24px;}} /* sc-component-id: Leadspace__ButtonAreaDiv-sc-33fe235c-8 */ .jdZatt{z-index:5;margin-top:unset;} @media (max-width:1312px){.jdZatt{margin-top:unset;}} @media (max-width:1055px){.jdZatt{margin-top:unset;}} @media (max-width:320px){.jdZatt{margin-top:unset;margin-bottom:-45px;}} @media (max-height:755px){.jdZatt{margin-top:unset;}} .jdZatt .cds--btn{max-width:inherit;}.hCDKky{z-index:5;margin-top:220px;} @media (max-width:1312px){.hCDKky{margin-top:120px;}} @media (max-width:1055px){.hCDKky{margin-top:100px;}} @media (max-width:320px){.hCDKky{margin-top:32px;margin-bottom:-45px;}} @media (max-height:755px){.hCDKky{margin-top:120px;}} .hCDKky .cds--btn{max-width:inherit;}.cMIJA{z-index:5;margin-top:unset;} @media (max-width:1312px){.cMIJA{margin-top:unset;}} @media (max-width:1055px){.cMIJA{margin-top:unset;}} @media (max-width:320px){.cMIJA{margin-top:unset;margin-bottom:-45px;}} @media (max-height:755px){.cMIJA{margin-top:unset;}} .cMIJA .cds--btn{max-width:unset;}.kaBlpP{z-index:5;margin-top:220px;} @media (max-width:1312px){.kaBlpP{margin-top:120px;}} @media (max-width:1055px){.kaBlpP{margin-top:100px;}} @media (max-width:320px){.kaBlpP{margin-top:32px;margin-bottom:-45px;}} @media (max-height:755px){.kaBlpP{margin-top:120px;}} .kaBlpP .cds--btn{max-width:unset;} /* sc-component-id: Leadspace__DesktopDescriptionDiv-sc-33fe235c-9 */ .joGrvN{width:95%;margin-top:48px;font-size:24px;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:30px;} /* sc-component-id: Leadspace__LeadspaceButtonsDiv-sc-33fe235c-10 */ .flkEMV{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:row;-ms-flex-direction:row;flex-direction:row;-webkit-flex-wrap:wrap;-ms-flex-wrap:wrap;flex-wrap:wrap;padding-bottom:32px;} .flkEMV a{-webkit-align-self:baseline;-ms-flex-item-align:baseline;align-self:baseline;} .flkEMV a:first-child{margin-right:16px;} .flkEMV a:not(:first-child){margin-top:16px;} @media (max-width:480px){.flkEMV a{width:100%;}} @media (max-width:320px){.flkEMV{padding-bottom:unset;}} .flkEMV .button-primary{font-size:14px;font-weight:400;border:1px solid #0062ff;} @media (max-width:671px){.flkEMV .button-primary span{white-space:pre-wrap;}} .flkEMV .button-secondary{font-size:14px;font-weight:400;} @media (max-width:671px){.flkEMV .button-secondary span{white-space:pre-wrap;}} /* sc-component-id: ReportCardNew__ReportCardDiv-sc-80f02e0b-0 */ .cguzrz{background:#f3f3f3;} .cguzrz:hover{background:#e5e5e5;cursor:pointer;} /* sc-component-id: ReportCardNew__LighthouseCard-sc-80f02e0b-1 */ .enKoOu{position:relative;height:45px;width:100%;} /* sc-component-id: ReportCardNew__LighthouseText-sc-80f02e0b-2 */ .bxYTEt{padding:10px 0 10px;font-family:'IBM Plex Sans';color:#393939;font-size:14px;-webkit-letter-spacing:0.16px;-moz-letter-spacing:0.16px;-ms-letter-spacing:0.16px;letter-spacing:0.16px;line-height:18px;display:inline-block;vertical-align:top;} @media (max-width:320px){.bxYTEt{color:#8c8c8c;}} /* sc-component-id: ReportCardNew__ImageContainer-sc-80f02e0b-3 */ .cbZqHz{width:100%;max-height:144px;padding-bottom:50%;position:relative;overflow:hidden;margin-bottom:16px;} .cbZqHz:hover{cursor:pointer;} .cbZqHz:hover::before{opacity:1;} .cbZqHz::before{z-index:1;position:absolute;background-color:#0f6dff;mix-blend-mode:soft-light;opacity:0;content:'';height:100%;width:100%;top:0;left:0;-webkit-transition:opacity 220ms $standard-expressive;transition:opacity 220ms $standard-expressive;} /* sc-component-id: ReportCardNew__Content-sc-80f02e0b-4 */ .fFlWeQ{padding:0 16px 8px 16px;} /* sc-component-id: ReportCardNew__Title-sc-80f02e0b-5 */ .kFPlJy a{word-wrap:break-word;color:#000 !important;} .kFPlJy a:hover{-webkit-text-decoration:underline;text-decoration:underline;cursor:pointer;} /* sc-component-id: ReportCardNew__Row-sc-80f02e0b-6 */ .kddpVo{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-box-pack:start;-webkit-justify-content:flex-start;-ms-flex-pack:start;justify-content:flex-start;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;padding:16px 16px 18px 16px;} @media (min-width:320px) and (max-width:671px){.kddpVo{padding-top:16px;}} /* sc-component-id: ReportCardNew__BookmarkButton-sc-80f02e0b-7 */ .jCowUu{margin-left:5px;margin-right:8px;margin-top:-2px;} /* sc-component-id: ReportCardNew__RightArrow-sc-80f02e0b-8 */ .hDDnEj{-webkit-flex:1;-ms-flex:1;flex:1;text-align:right;margin-right:4px;font-size:25px;color:#171717;} .hDDnEj:hover{color:#171717;} .hDDnEj > img{height:20px;width:25px;margin-right:61.05px;} @media (max-width:320px){.hDDnEj img{margin-right:unset;}} /* sc-component-id: ReportCardNew__StyledH3-sc-80f02e0b-9 */ .cOIxwP{padding:0 0;margin-bottom:unset;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;font-size:20px;color:#161616;line-height:26px;max-width:297px;min-height:90px;} .cOIxwP:hover{-webkit-text-decoration:underline;text-decoration:underline;} @media (max-width:671px){.cOIxwP{min-height:60px;}} @media (max-width:320px){.cOIxwP{max-width:259.2px;}} /* sc-component-id: ReportCardNew__BlurbShortMarkdown-sc-80f02e0b-11 */ .crSYDN{word-wrap:break-word;font-size:16px;color:#171717;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:24px;max-width:297px;padding-top:16px;margin-bottom:0px;} /* sc-component-id: ReportCardNew__TranslationsCard-sc-80f02e0b-12 */ .xHquG{position:relative;height:42px;width:100%;} /* sc-component-id: ReportCardNew__TranslationsText-sc-80f02e0b-13 */ .lfKFav{padding:10px 0 10px;font-family:'IBM Plex Sans';color:#393939;font-size:14px;-webkit-letter-spacing:0.16px;-moz-letter-spacing:0.16px;-ms-letter-spacing:0.16px;letter-spacing:0.16px;line-height:18px;display:inline-block;vertical-align:top;} @media (max-width:320px){.lfKFav{color:#8c8c8c;}} /* sc-component-id: ReportList__TitleDiv-sc-ec0a36a5-0 */ .gLQXLB{font-family:IBM Plex Sans,'Helvetica Neue',Arial,sans-serif;} @media (max-width:1055px){.gLQXLB{font-size:28px;font-weight:400;color:#161616;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:40px;margin-bottom:16px;}} @media (max-width:1055px){.gLQXLB{font-size:28px;color:#161616;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:36px;margin-bottom:16px;padding-left:16px;}}.hmisKk{font-family:IBM Plex Sans,'Helvetica Neue',Arial,sans-serif;} @media (max-width:1055px){.hmisKk{font-size:28px;font-weight:300;color:#161616;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:40px;margin-bottom:16px;}} @media (max-width:1055px){.hmisKk{font-size:28px;color:#161616;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:36px;margin-bottom:16px;padding-left:16px;}} /* sc-component-id: ReportListNew__ReportCardDiv-sc-4585b8ae-0 */ .cWrTtn{background:#f3f3f3;max-width:33.2%;-webkit-flex-basis:33.2%;-ms-flex-preferred-size:33.2%;flex-basis:33.2%;margin-right:calc(0.05%);} .cWrTtn:hover{background:#e5e5e5;} /* sc-component-id: ReportListNew__PaginationTitle-sc-4585b8ae-1 */ .tPcyi{font-family:IBM Plex Sans,'Helvetica Neue',Arial,sans-serif;font-weight:300;font-size:32px;color:#161616;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:40px;margin-left:14px;margin-right:50px;}.hKYeOI{font-family:IBM Plex Sans,'Helvetica Neue',Arial,sans-serif;font-weight:300;font-size:32px;color:#161616;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:40px;margin-left:0rem;margin-right:50px;} /* sc-component-id: ReportListNew__ReportListDiv-sc-4585b8ae-2 */ .hpskeT{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:row;-ms-flex-direction:row;flex-direction:row;-webkit-flex-wrap:wrap;-ms-flex-wrap:wrap;flex-wrap:wrap;} /* sc-component-id: ScrollingDownloadButtonMobile-styled__FullReportBox-sc-e9d48614-0 */ .kImCzj{background-color:#0062FF !important;border-color:#0062FF !important;outline-color:#0062FF !important;border:0.0625rem solid;margin-top:1.875rem;margin-left:0.1875rem;outline:solid 0.0625rem;text-align:left;font-size:0.875rem;color:#ffffff !important;cursor:pointer;box-sizing:border-box;font-size:1rem;line-height:1.25rem;width:15.5rem;height:3rem;padding:0 1rem;text-align:left;-webkit-text-decoration:none;text-decoration:none;-webkit-transition:border 0.3s,color 0.3s,background-color 0.3s;transition:border 0.3s,color 0.3s,background-color 0.3s;white-space:normal;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-box-pack:justify;-webkit-justify-content:space-between;-ms-flex-pack:justify;justify-content:space-between;} .kImCzj span{display:inline-block;line-height:1.125rem;margin:auto 0;} .kImCzj:hover{background-color:#0354e9 !important;border-color:#0354e9 !important;outline-color:#0354e9 !important;-webkit-text-decoration:none;text-decoration:none;} .kImCzj > i{height:0.9375rem;width:1.175rem;display:inline-block;margin-left:1.25rem;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;margin:0.9375rem 0 auto 0;} .kImCzj > i > img{height:0.9375rem;width:1.175rem;} /* sc-component-id: ScrollingDownloadButtonMobile-styled__FullReportBoxSecond-sc-e9d48614-2 */ .fnCBJA{background-color:#0062FF !important;border-color:#0062FF !important;outline-color:#0062FF !important;border:0.0625rem solid;margin-top:1.875rem;margin-left:0.1875rem;outline:solid 0.0625rem;text-align:left;font-size:0.875rem;color:#ffffff !important;cursor:pointer;box-sizing:border-box;font-size:1rem;line-height:1.25rem;width:15.5rem;height:3rem;padding:0 1rem;text-align:left;-webkit-text-decoration:none;text-decoration:none;-webkit-transition:border 0.3s,color 0.3s,background-color 0.3s;transition:border 0.3s,color 0.3s,background-color 0.3s;white-space:normal;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-box-pack:justify;-webkit-justify-content:space-between;-ms-flex-pack:justify;justify-content:space-between;background-color:#393939 !important;border-color:#393939 !important;outline-color:#393939 !important;margin-left:1rem;width:2.75rem !important;} .fnCBJA span{display:inline-block;line-height:1.125rem;margin:auto 0;} .fnCBJA:hover{background-color:#0354e9 !important;border-color:#0354e9 !important;outline-color:#0354e9 !important;-webkit-text-decoration:none;text-decoration:none;} .fnCBJA > i{height:0.9375rem;width:1.175rem;display:inline-block;margin-left:1.25rem;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;margin:0.9375rem 0 auto 0;} .fnCBJA > i > img{height:0.9375rem;width:1.175rem;} .fnCBJA:hover{background-color:#000000 !important;border-color:#000000 !important;outline-color:#000000 !important;color:#ffffff;} /* sc-component-id: ScrollingDownloadButtonMobile-styled__MobileDownloadButton-sc-e9d48614-3 */ .hxxJJK{position:fixed;bottom:1.5rem;left:1.9375rem;} .hxxJJK a{width:2.75rem;height:2.75rem;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;-webkit-box-pack:center;-webkit-justify-content:center;-ms-flex-pack:center;justify-content:center;} .hxxJJK a i{margin:auto;} .hxxJJK a i.ibm-download-link::before{position:static !important;} .hxxJJK a i.ibm-email-link::before{position:static !important;} /* sc-component-id: SectionArchiveTabs__SectionTitleDiv-sc-5f6d537f-0 */ .ialtaX{font-family:IBM Plex Sans,'Helvetica Neue',Arial,sans-serif;font-weight:300;color:#ffffff;font-size:32px;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:40px;max-width:400px;padding-right:30px;} @media (max-width:671px){.ialtaX{font-size:24px;line-height:26px;max-width:586px;margin-left:0px;margin-bottom:16px;padding:0 32px;}} /* sc-component-id: SectionArchiveTabs__SectionTitleDivider-sc-5f6d537f-1 */ .gblyqn{border-top:2px solid #ffffff;margin-top:15px;margin-right:60%;margin-bottom:25px;} @media (max-width:671px){.gblyqn{margin:15px 60% 25px 32px;}} /* sc-component-id: SectionArchiveTabs__TabDiv-sc-5f6d537f-2 */ .giJaiy{font-family:IBM Plex Sans,'Helvetica Neue',Arial,sans-serif;font-weight:300;color:#ffffff;font-size:20px;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:26px;min-height:56px;display:block;margin-left:-32px;margin-right:-1px;padding-top:15px;padding-left:32px;} .giJaiy:hover{cursor:pointer;color:#ffffff;background:#003a6d;font-weight:bold;} .giJaiy:focus{outline:none;} .giJaiy.active{cursor:default;background:#004684;color:#ffffff;font-weight:bold;outline:none;} @media (max-width:671px){.giJaiy{display:inline-block;margin:0;padding:5px 14px 0px 14px;min-height:36px !important;}} /* sc-component-id: SectionArchiveTabs__TabSelectControlNormal-sc-5f6d537f-3 */ .ewJLca{padding-bottom:80px;} @media (max-width:671px){.ewJLca{display:none;}} /* sc-component-id: SectionArchiveTabs__TabSelectControlDropdown-sc-5f6d537f-4 */ .dKDxBv{width:75%;height:45px;margin-bottom:100px;margin-left:32px;} .dKDxBv label{display:block;font-family:IBM Plex Sans,'Helvetica Neue',Arial,sans-serif;font-weight:300;color:#171717;font-size:12px;line-height:16px;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;margin-top:-10px;margin-bottom:10px;} .dKDxBv select{-webkit-appearance:none;-moz-appearance:none;appearance:none;-webkit-appearance:none;-moz-appearance:none;background-color:#efefef;background-image:url('/thought-leadership/institute-business-value/public/static/images/arrow_down.webp');background-repeat:no-repeat;background-size:15px 15px;background-position:95% 50%;width:100%;height:100%;color:black;cursor:pointer;border:none;border-bottom:1px solid #171717;padding-left:17px;font-size:17px;font-weight:100;} @media (min-width:672px){.dKDxBv{display:none;}} /* sc-component-id: SectionArchiveTabPanel__TabPanelDiv-sc-42593044-0 */ .cxurWJ{margin:0 80px;} @media (max-width:1055px){.cxurWJ{margin:0 16px !important;}} /* sc-component-id: SectionArchiveTabPanel__HeaderContainerDiv-sc-42593044-1 */ @media (max-width:671px){.eplatB{margin-bottom:36px !important;}} /* sc-component-id: SectionArchiveTabPanel__HeaderTitleDiv-sc-42593044-3 */ .gxjTuJ{margin-bottom:21px;padding-right:2px;position:relative;} @media (max-width:672px){} /* sc-component-id: SectionArchiveTabPanel__HeaderDiv-sc-42593044-4 */ .jOUhcp{position:absolute;top:42%;-webkit-transform:translateY(-50%);-ms-transform:translateY(-50%);transform:translateY(-50%);} @media (max-width:672px){.jOUhcp{position:relative;margin-top:18px;}} /* sc-component-id: SectionArchiveTabPanel__TitleDiv-sc-42593044-6 */ .cVmRXb{font-family:IBM Plex Sans,'Helvetica Neue',Arial,sans-serif;font-weight:300;color:#171717;font-size:28px;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:36px;margin-bottom:4px;} @media (max-width:320px){.cVmRXb{font-size:18px;line-height:26px;}} /* sc-component-id: SectionArchiveTabPanel__TitleActionLink-sc-42593044-7 */ .XzfPM{font-family:IBM Plex Sans,'Helvetica Neue',Arial,sans-serif;font-weight:300;color:#0064ff;font-size:16px;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:22px;} @media (max-width:320px){.XzfPM{font-size:14px;-webkit-letter-spacing:0.16px;-moz-letter-spacing:0.16px;-ms-letter-spacing:0.16px;letter-spacing:0.16px;line-height:18px;}} .XzfPM:hover{color:#0064ff;font-weight:400;} /* sc-component-id: SectionArchiveTabPanel__Arrow-sc-42593044-8 */ .pQgNd{margin-top:1px;-webkit-text-decoration:none !important;text-decoration:none !important;} .pQgNd:after{content:'→';padding-left:12px;-webkit-text-decoration:none !important;text-decoration:none !important;} /* sc-component-id: SectionArchiveTabPanel__RoleHeadingDiv-sc-42593044-10 */ .iEAxEF{font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-weight:300;color:#171717;font-size:20px;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:26px;margin-top:24px;margin-bottom:16px;} @media (max-width:320px){.iEAxEF{font-size:18px;line-height:24px;}} /* sc-component-id: SectionArchiveTabPanel__RoleImage-sc-42593044-11 */ .dhjYgp{width:126px;height:auto;margin-top:15px;margin-bottom:10px;border:1px solid #dcdcdc;} @media (max-width:671px){.dhjYgp{width:100%;}} /* sc-component-id: SectionArchiveTabPanel__ReportTypeLabel-sc-42593044-12 */ .fteScE{font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-weight:bold;color:#171717;font-size:14px;-webkit-letter-spacing:0px;-moz-letter-spacing:0px;-ms-letter-spacing:0px;letter-spacing:0px;line-height:24px;} @media (max-width:320px){.fteScE{-webkit-letter-spacing:0.16px;-moz-letter-spacing:0.16px;-ms-letter-spacing:0.16px;letter-spacing:0.16px;}} /* sc-component-id: SectionArchiveTabPanel__ReportActionLink-sc-42593044-13 */ .kKsLLL{display:block;font-family:IBM Plex Sans,'Helvetica Neue',Arial,sans-serif;font-weight:300;font-size:14px;color:#0064ff;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:24px;margin-bottom:16px;} @media (max-width:320px){.kKsLLL{-webkit-letter-spacing:0.16px;-moz-letter-spacing:0.16px;-ms-letter-spacing:0.16px;letter-spacing:0.16px;}} .kKsLLL:hover{color:#0064ff;font-weight:400;} .kKsLLL:focus{outline:none;} /* sc-component-id: SectionArchive__ArchivesDiv-sc-4014a470-0 */ 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.eoIUaO{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:row;-ms-flex-direction:row;flex-direction:row;-webkit-box-pack:justify;-webkit-justify-content:space-between;-ms-flex-pack:justify;justify-content:space-between;cursor:pointer;-webkit-text-decoration:none !important;text-decoration:none !important;width:100%;height:35px;margin-top:10px;} .eoIUaO div{width:208px;} .eoIUaO div span{font-family:IBM Plex Sans,'Helvetica Neue',Arial,sans-serif;font-weight:500;font-size:14px;color:#171717;-webkit-letter-spacing:0.16px;-moz-letter-spacing:0.16px;-ms-letter-spacing:0.16px;letter-spacing:0.16px;line-height:18px;} .eoIUaO div div{background-color:#D8D8D8;height:1px;border:none;margin-top:10px;} .eoIUaO span{font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-smoothing:antialiased;text-rendering:optimizeLegibility;} /* sc-component-id: Page-styled__BookmarkDiv-sc-fd5bcee0-1 */ .hRUkGA{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-weight:600;font-size:16px;color:#323232;line-height:22px;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;margin-bottom:12px;} .hRUkGA > span{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;white-space:nowrap;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;margin-right:15px;font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-weight:600;font-size:16px;color:#161616;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:24px;} .hRUkGA > div{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;} /* sc-component-id: Page-styled__AuthorsP-sc-fd5bcee0-4 */ .hAbmCr{font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-weight:600;font-size:16px;color:#3d3d3d;-webkit-letter-spacing:0.16px;-moz-letter-spacing:0.16px;-ms-letter-spacing:0.16px;letter-spacing:0.16px;line-height:18px;margin-bottom:8px;} /* sc-component-id: Page-styled__SectionTopLessThanBIG-sc-fd5bcee0-5 */ .gRFviW{display:none !important;} @media (max-width:1055px){.gRFviW{display:block !important;}} /* sc-component-id: Page-styled__ScrollableDownloadDiv-sc-fd5bcee0-6 */ .dDRtXN > a > span{display:unset;width:170px;font-weight:400;} @media (max-width:1055px){.dDRtXN{display:none !important;}}.gcWnbA{max-width:250px;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;} .gcWnbA > a{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;margin-right:unset;white-space:unset;} .gcWnbA > a span{display:unset;width:170px;font-weight:400;} .gcWnbA > a i{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;-webkit-box-pack:center;-webkit-justify-content:center;-ms-flex-pack:center;justify-content:center;margin-top:unset;margin-right:unset;margin-bottom:unset;margin-left:20px;height:auto;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;} @media (max-width:1055px){.gcWnbA{display:none !important;}} /* sc-component-id: Page-styled__ScrollableDownloadSecondDiv-sc-fd5bcee0-7 */ .entXbR{margin-top:28px;} .entXbR > a > span{display:unset;width:170px;font-weight:400;} @media (max-width:1055px){.entXbR{display:none !important;}} .entXbR > a{padding:14px 18px;color:#0f62fe;border:1px solid #0f62fe;font-size:16px;font-weight:100;-webkit-letter-spacing:0.1px;-moz-letter-spacing:0.1px;-ms-letter-spacing:0.1px;letter-spacing:0.1px;line-height:20px;white-space:nowrap;} .entXbR > a span{display:unset;line-height:18px;margin:auto 0;} .entXbR > a > i{height:15px;width:18.8px;display:inline-block;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;margin:15px 0 auto 20px;} .entXbR > a > i > img{height:15px;width:18.8px;} .entXbR .button-scrollable_external{width:236px;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:row;-ms-flex-direction:row;flex-direction:row;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;} .entXbR .button-scrollable_external span{white-space:normal;} .entXbR .button-scrollable_external i{margin:0 0 0 20px;} .entXbR a:hover{background:#0f62fe;color:#ffffff;} .entXbR a:hover > i > img{-webkit-filter:brightness(0) invert(1);filter:brightness(0) 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#0f62fe;font-size:16px;font-weight:100;-webkit-letter-spacing:0.1px;-moz-letter-spacing:0.1px;-ms-letter-spacing:0.1px;letter-spacing:0.1px;line-height:20px;white-space:unset;} .iPMhTs > a span{display:unset;line-height:18px;margin:auto 0;} .iPMhTs > a > i{height:15px;width:18.8px;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;margin-top:unset;margin-right:unset;margin-bottom:unset;margin-left:20px;height:auto;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;} .iPMhTs > a > i > img{height:15px;width:18.8px;} .iPMhTs a:hover{background:#0f62fe;color:#ffffff;} .iPMhTs a:hover > i > img{-webkit-filter:brightness(0) invert(1);filter:brightness(0) invert(1);} /* sc-component-id: Page-styled__CKEditorContentDiv-sc-fd5bcee0-9 */ 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li{color:#161616;text-indent:-1px;font-size:16px;-webkit-letter-spacing:0.18px;-moz-letter-spacing:0.18px;-ms-letter-spacing:0.18px;letter-spacing:0.18px;line-height:22px;margin-left:-7px;padding-top:16px;} @media (max-width:671px){.iLJQBn > ul > li{line-height:24px;}} .iLJQBn > ul > li > a{color:#161616;} .iLJQBn > ul > li::before{content:'•' !important;position:absolute;color:#161616;}@media (max-width:671px){.hXIVGZ > ul{padding-left:32px;}} .hXIVGZ > ul > li{color:#F3F3F3;text-indent:-1px;font-size:16px;-webkit-letter-spacing:0.18px;-moz-letter-spacing:0.18px;-ms-letter-spacing:0.18px;letter-spacing:0.18px;line-height:22px;margin-left:-7px;padding-top:16px;} @media (max-width:671px){.hXIVGZ > ul > li{line-height:24px;}} .hXIVGZ > ul > li > a{color:#F3F3F3;} .hXIVGZ > ul > li::before{content:'•' !important;position:absolute;color:#F3F3F3;} /* sc-component-id: MultiTabDesktop__MultiTabButtonDesktopDiv-sc-3279c920-1 */ .dymAYQ{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:row;-ms-flex-direction:row;flex-direction:row;-webkit-box-pack:center;-webkit-justify-content:center;-ms-flex-pack:center;justify-content:center;} /* sc-component-id: MultiTabDesktop__HeaderLabelDiv-sc-3279c920-2 */ .dXWXFz{color:#161616;font-size:28px;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:36px;padding-top:72px;padding-bottom:46px;} /* sc-component-id: MultiTabPanelMobile__SpaceDiv-sc-5200763e-0 */ .bqrsjo{height:4px;background-color:#ffffff;} @media (max-width:320px){.bqrsjo{margin-right:-16px;margin-left:-16px;}} /* sc-component-id: MultiTabPanelMobile__MainDiv-sc-5200763e-1 */ .klADcu{background-color:#FFFFFF;margin-right:0;margin-left:0;padding-right:32px;padding-left:32px;} @media (max-width:320px){.klADcu{padding-right:16px;padding-left:16px;margin-right:-16px;margin-left:-16px;}} /* sc-component-id: MultiTabMobile__MultiTabMobileMainDiv-sc-2bcc6fa1-0 */ .bKpoIf{color:#ffffff;} /* sc-component-id: MultiTabMobile__AccordionOuterDiv-sc-2bcc6fa1-1 */ .hBcqKf{background-color:#6929C4;width:100%;} .hBcqKf ul{padding-bottom:0px;} .hBcqKf ul li{padding-left:unset;} .hBcqKf ul li::before{content:unset;} .hBcqKf .cds--accordion__item:last-child{border-top:none;border-bottom:none;} .hBcqKf .cds--accordion__item .cds--accordion__heading{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;height:80px;} .hBcqKf .cds--accordion__item .cds--accordion__heading:focus{border:unset;box-shadow:unset;} .hBcqKf .cds--accordion__item .cds--accordion__heading:hover{background-color:unset;} .hBcqKf .cds--accordion__item .cds--accordion__heading .cds--accordion__arrow{fill:#F3F3F3;-webkit-transform:rotate(90deg) scale(1.5);-ms-transform:rotate(90deg) scale(1.5);transform:rotate(90deg) scale(1.5);margin-right:32px;} .hBcqKf .cds--accordion__item .cds--accordion__heading .cds--accordion__title{color:#F3F3F3;-webkit-letter-spacing:0px;-moz-letter-spacing:0px;-ms-letter-spacing:0px;letter-spacing:0px;line-height:22px;font-size:16px;font-weight:600;margin:0px;padding-left:32px;} .hBcqKf .cds--accordion__item .cds--accordion__content{padding:0px;} .hBcqKf .cds--accordion__item--active > .cds--accordion__heading > .cds--accordion__title{color:#F3F3F3;} .hBcqKf .cds--accordion__item--active > .cds--accordion__heading > .cds--accordion__arrow{fill:#F3F3F3;-webkit-transform:rotate(-90deg) scale(1.5);-ms-transform:rotate(-90deg) scale(1.5);transform:rotate(-90deg) scale(1.5);}.hRUuDB{background-color:#491D8B;width:100%;} .hRUuDB ul{padding-bottom:0px;} .hRUuDB ul li{padding-left:unset;} .hRUuDB ul li::before{content:unset;} .hRUuDB .cds--accordion__item:last-child{border-top:none;border-bottom:none;} .hRUuDB .cds--accordion__item .cds--accordion__heading{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;height:80px;} .hRUuDB .cds--accordion__item .cds--accordion__heading:focus{border:unset;box-shadow:unset;} .hRUuDB .cds--accordion__item .cds--accordion__heading:hover{background-color:unset;} .hRUuDB .cds--accordion__item .cds--accordion__heading .cds--accordion__arrow{fill:#F3F3F3;-webkit-transform:rotate(90deg) scale(1.5);-ms-transform:rotate(90deg) scale(1.5);transform:rotate(90deg) scale(1.5);margin-right:32px;} .hRUuDB .cds--accordion__item .cds--accordion__heading .cds--accordion__title{color:#F3F3F3;-webkit-letter-spacing:0px;-moz-letter-spacing:0px;-ms-letter-spacing:0px;letter-spacing:0px;line-height:22px;font-size:16px;font-weight:600;margin:0px;padding-left:32px;} .hRUuDB .cds--accordion__item .cds--accordion__content{padding:0px;} .hRUuDB .cds--accordion__item--active > .cds--accordion__heading > .cds--accordion__title{color:#F3F3F3;} .hRUuDB .cds--accordion__item--active > .cds--accordion__heading > .cds--accordion__arrow{fill:#F3F3F3;-webkit-transform:rotate(-90deg) scale(1.5);-ms-transform:rotate(-90deg) scale(1.5);transform:rotate(-90deg) scale(1.5);} /* sc-component-id: MultiTabMobile__HeaderLabelDiv-sc-2bcc6fa1-2 */ .hYobKs{color:#161616;font-size:28px;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:36px;padding-top:110px;padding-bottom:32px;} @media (max-width:320px){.hYobKs{padding-right:32px;padding-left:32px;}} /* sc-component-id: MultiTabMobile__AccordionContentWrapper-sc-2bcc6fa1-3 */ .fyJBVa{padding-bottom:0px;} /* sc-component-id: MultiTab__MultiTabDesktopDiv-sc-f26dc54d-0 */ .iGtMFQ{font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;} @media (max-width:671px){.iGtMFQ{display:none;}} /* sc-component-id: MultiTab__MultiTabMobileDiv-sc-f26dc54d-1 */ .jqHjG{font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;} @media (min-width:672px){.jqHjG{display:none;}} /* sc-component-id: SectionChart__SectionChartContainer-sc-ba243390-0 */ .dxJuvP{padding-top:16px;padding-right:0;padding-bottom:0;padding-left:0;} .dxJuvP div:last-child{border-bottom:none;padding-bottom:4px;} /* sc-component-id: SectionChart__Title-sc-ba243390-1 */ .dTEyJx{color:#191918;font-size:16px;font-weight:bold;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:24px;} /* sc-component-id: SectionChart__Item-sc-ba243390-2 */ .lmtSpN{border-bottom:1px solid #c6c6c6;padding-top:8px;padding-right:0;padding-bottom:8px;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;} /* sc-component-id: SectionChart__ItemNumber-sc-ba243390-3 */ .cVasOy{display:inline-block;color:#8a3ffc;font-size:42px;font-weight:bold;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:50px;margin-right:20px;min-width:90px;} /* sc-component-id: SectionChart__ItemText-sc-ba243390-4 */ .fkBFIs{overflow:inherit;vertical-align:middle;color:#191918;font-size:16px;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;padding-top:20px;padding-bottom:10px;}.eMKTAh{overflow:inherit;vertical-align:middle;color:#191918;font-size:16px;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;padding-top:10px;padding-bottom:10px;} /* sc-component-id: ActionPlanContainer__MainText-sc-bfa26dc2-0 */ .ixlwAE{color:#191918;font-size:16px;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:24px;} /* sc-component-id: ActionPlanContainer__Placeholder-sc-bfa26dc2-2 */ @media (max-width:672px){.gvPxsp{display:none !important;}} /* sc-component-id: ActionPlanContainer__ContainerMain-sc-bfa26dc2-4 */ .cdEquS{position:relative;} /* sc-component-id: ActionPlanContainer__Container-sc-bfa26dc2-5 */ .bwacRL{padding-bottom:78px;} .bwacRL .container-common-text{font-size:16px;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:24px;margin-bottom:1em;} /* sc-component-id: ActionPlanContainer__MainSubHeaderParent-sc-bfa26dc2-6 */ .fzdSNs{position:relative;} /* sc-component-id: ActionPlanContainer__MainHeader-sc-bfa26dc2-7 */ .dOeNLx{color:#161616;font-size:28px;line-height:36px;position:absolute;top:0;white-space:break-spaces;padding:31.5px 0;border-left:none;border-right:none;margin-left:16px;} @media (max-width:672px){.dOeNLx{margin-left:-16px;padding-left:32px;padding-right:32px;position:relative;white-space:break-spaces;}} @media (max-width:320px){.dOeNLx{margin-left:0;padding-left:16px;padding-right:16px;width:100% !important;border:1px solid #8a3ffc;border-left:none;border-right:none;}} /* sc-component-id: ActionPlanContainer__MainBody-sc-bfa26dc2-9 */ .gsYcBi{margin-top:143px;margin-bottom:40px;color:#191918;font-size:16px;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:24px;} @media (max-width:672px){.gsYcBi{margin-top:40px !important;}} /* sc-component-id: ActionPlanContainer__MainFooter-sc-bfa26dc2-10 */ .XzqpM{padding-top:9px;} .XzqpM #ButtonGroup__CustomDownloadBtnContainer .button-primary,.XzqpM #ButtonGroup__CustomDownloadBtnContainer .button-secondary,.XzqpM #ButtonGroup__CustomDownloadBtnContainer .button-secondary-rebrand{-webkit-flex-direction:row;-ms-flex-direction:row;flex-direction:row;-webkit-box-pack:justify;-webkit-justify-content:space-between;-ms-flex-pack:justify;justify-content:space-between;} /* sc-component-id: ActionPlanContainer__Transparent-sc-bfa26dc2-11 */ .jDwHlF{margin-bottom:79.5px;} @media (max-width:672px){.jDwHlF{margin-bottom:37.5px !important;}} .jDwHlF img{width:100%;} /* sc-component-id: ActionPlanContainer__TextContainer-sc-bfa26dc2-12 */ .jShRTL{position:absolute;top:80px;right:112px;width:35%;} @media (min-width:320px) and (max-width:671px){.jShRTL{left:0;top:45%;margin-left:24px;width:auto;right:19px;}} @media (max-width:320px){.jShRTL{left:0;top:45%;margin-left:24px;width:auto;right:19px;}} @media (min-width:672px) and (max-width:774px){.jShRTL{top:20px;width:50%;right:32px;}} @media (min-width:775px) and (max-width:900px){.jShRTL{top:40px;width:50%;right:62px;}} @media (min-width:901px) and (max-width:1130px){.jShRTL{top:40px;width:40%;}} /* sc-component-id: ActionPlanContainer__BannerContainer-sc-bfa26dc2-13 */ .fzLrge{position:relative;} /* sc-component-id: ActionPlanContainer__Title-sc-bfa26dc2-14 */ .iHGihN{color:#f4f4f4;font-size:2.1rem;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:40px;margin-bottom:26px;} @media (min-width:320px) and (max-width:671px){.iHGihN{width:auto;}} @media (max-width:320px){.iHGihN{font-size:1.75rem;line-height:36px;}} @media (min-width:672px) and (max-width:774px){.iHGihN{font-size:1.45rem;line-height:28px;padding-left:40px;marging-bottom:20px;}} @media (min-width:775px) and (max-width:900px){.iHGihN{font-size:1.55rem;line-height:30px;padding-left:80px;}} @media (min-width:901px) and (max-width:1130px){.iHGihN{font-size:1.75rem;padding-left:80px;line-height:32px;}} @media (min-width:1313px) and (max-width:1550px){.iHGihN{font-size:2.15rem;line-height:46px;margin-bottom:30px;}} @media (min-width:1551px) and (max-width:1650px){.iHGihN{font-size:2.45rem;line-height:50px;margin-bottom:36px;}} @media (min-width:1651px) and (max-width:1750px){.iHGihN{font-size:2.65rem;line-height:52px;margin-bottom:38px;}} @media (min-width:1751px){.iHGihN{font-size:2.85rem;line-height:56px;margin-bottom:40px;}} /* sc-component-id: ActionPlanContainer__Paragraph-sc-bfa26dc2-15 */ .beowaP{color:#ffffff;font-size:1.25rem;font-weight:500;line-height:22px;margin-bottom:7px;padding-right:90px;} @media (min-width:320px) and (max-width:671px){.beowaP{width:auto;padding-right:0px;}} @media (max-width:320px){.beowaP{font-size:1.1rem;line-height:24px;padding-right:10%;}} @media (min-width:672px) and (max-width:774px){.beowaP{font-size:1rem;line-height:20px;padding-left:40px;padding-right:10%;}} @media (min-width:775px) and (max-width:900px){.beowaP{font-size:1.05rem;line-height:20px;padding-left:80px;padding-right:10%;}} @media (min-width:901px) and (max-width:1130px){.beowaP{font-size:1.15rem;padding-left:80px;padding-right:10%;}} @media (min-width:1313px) and (max-width:1550px){.beowaP{font-size:1.25rem;line-height:28px;}} @media (min-width:1551px) and (max-width:1650px){.beowaP{font-size:1.45rem;line-height:30px;}} @media (min-width:1651px) and (max-width:1750px){.beowaP{font-size:1.55rem;line-height:32px;}} @media (min-width:1751px){.beowaP{font-size:1.65rem;line-height:34px;}} /* sc-component-id: ActionPlanContainerCollections__InsertSection-sc-a3e23654-0 */ .dZGavF{margin:39.5px 0;} .dZGavF .borderClass{border:2px solid #78a9ff;border-left:none;border-right:none;} .dZGavF .borderClassTopOnly{border-top:2px solid #8a3ffc;} .dZGavF .borderClassTopOnly:first-of-type{border-top:none;} @media (min-width:320px) and (max-width:671px){.dZGavF .borderClassTopOnly:first-of-type{border:none;}} .dZGavF .ibm-grid-container{margin:0 !important;} .dZGavF .insertSection{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;margin:40px -16px !important;} .dZGavF .insertSection-icon{text-align:center;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;-webkit-box-pack:center;-webkit-justify-content:center;-ms-flex-pack:center;justify-content:center;} .dZGavF .insertSection-border-left{border-left:1px solid #8d8d8d;} .dZGavF .insertSection-border-top{border-top:1px solid #8d8d8d;margin-top:20px;padding-top:20px;} .dZGavF .insertSection-text-header{color:#0f62fe;font-size:54px;font-weight:300;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:64px;} .dZGavF .gray{color:#8d8d8d;} .dZGavF .insertSection-text-intro{color:#191918;font-size:16px;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:24px;} /* sc-component-id: ActionPlanContainerCollections__InsertSectionComplexTextHeader-sc-a3e23654-2 */ .bbzuKc{color:#8a3ffc;font-family:'IBM Plex Sans';font-size:20px;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:26px;} /* sc-component-id: ActionPlanContainerCollections__InsertSectionComplexTextIntro-sc-a3e23654-3 */ .cKmbpf{color:#191918;font-size:16px;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:24px;} /* sc-component-id: ActionPlanContainerCollections__InsertSectionComplex-sc-a3e23654-4 */ .kPfnhf{margin-bottom:-39.5px;margin-left:25px;} @media (max-width:320px){.kPfnhf{border-top:none !important;}} /* sc-component-id: ActionPlanContainerCollections__InsertSectionComplexListWithIcon-sc-a3e23654-6 */ .hoAZUf{padding:40px 0px 65px !important;margin-left:32px;} /* sc-component-id: ActionPlanContainerCollections__InsertSectionComplexIcon-sc-a3e23654-7 */ .dDwGDv{margin-left:20px;} @media (min-width:320px) and (max-width:671px){.dDwGDv{margin:40px 0 0;text-align:center;}.dDwGDv img{margin:0;}} /* sc-component-id: ActionPlanContainerCollections__ActionItemIcon-sc-a3e23654-8 */ .cTfywX{margin:40px 0px;} /* sc-component-id: BannerContainer__Container-sc-1129fd9e-1 */ .jkcbNT .container-common-text{font-size:16px;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:24px;margin-bottom:1em;} /* sc-component-id: BannerContainer__Transparent-sc-1129fd9e-2 */ @media (max-width:672px){} .kCJtl img{width:100%;} /* sc-component-id: BannerContainer__TextContainer-sc-1129fd9e-3 */ .gWVRcB{position:absolute;top:80px;right:117px;width:37%;} @media (min-width:320px) and (max-width:671px){.gWVRcB{left:0;top:50%;margin-left:24px;right:37px;width:auto;}} @media (max-width:320px){.gWVRcB{left:0;top:50%;margin-left:24px;right:19px;width:auto;}} @media (min-width:671px) and (max-width:749px){.gWVRcB{left:0;top:20%;margin-left:50%;right:37px;}} @media (min-width:750px) and (max-width:949px){.gWVRcB{margin-left:40%;top:20%;}} /* sc-component-id: BannerContainer__BannerContainer1-sc-1129fd9e-4 */ .bpzVfD{position:relative;} /* sc-component-id: BannerContainer__Text-sc-1129fd9e-5 */ .iuUGPk{color:#f4f4f4;font-size:1.85rem;font-style:italic;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:36px;margin-bottom:24px;} @media (min-width:320px) and (max-width:671px){.iuUGPk{width:auto;}} @media (max-width:320px){.iuUGPk{font-size:1.8rem;}} @media (min-width:671px) and (max-width:749px){.iuUGPk{line-height:20px;font-size:1.3rem;margin-bottom:8px;}} @media (min-width:750px) and (max-width:949px){.iuUGPk{line-height:25px;font-size:1.4rem;margin-bottom:8px;}} @media (min-width:950px) and (max-width:1160px){.iuUGPk{font-size:1.5rem;margin-bottom:8px;}} @media (min-width:1313px) and (max-width:1550px){.iuUGPk{font-size:2rem;margin-bottom:28px;line-height:40px;}} @media (min-width:1551px) and (max-width:1650px){.iuUGPk{font-size:2.2rem;margin-bottom:32px;line-height:44px;}} @media (min-width:1651px) and (max-width:1750px){.iuUGPk{font-size:2.4rem;margin-bottom:34px;line-height:46px;}} @media (min-width:1751px){.iuUGPk{font-size:2.6rem;margin-bottom:36px;line-height:50px;}} /* sc-component-id: BannerContainer__Author-sc-1129fd9e-6 */ .iqCjuV{height:24px;color:#ffffff;font-size:1.1rem;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:24px;} @media (min-width:320px) and (max-width:671px){.iqCjuV{width:auto;font-size:0.9rem;}} @media (max-width:320px){.iqCjuV{font-size:1.1rem;}} @media (min-width:671px) and (max-width:749px){.iqCjuV{font-size:0.8rem;}} @media (min-width:750px) and (max-width:949px){.iqCjuV{font-size:1rem;}} @media (min-width:950px) and (max-width:1160px){.iqCjuV{font-size:1rem;}} @media (min-width:1313px) and (max-width:1550px){.iqCjuV{font-size:1.2rem;}} @media (min-width:1551px) and (max-width:1650px){.iqCjuV{font-size:1.3rem;}} @media (min-width:1651px) and (max-width:1750px){.iqCjuV{font-size:1.4rem;}} @media (min-width:1751px){.iqCjuV{font-size:1.5rem;}} /* sc-component-id: NavigationMenuDesktop__MainDiv-sc-906e01f0-0 */ .eKfilQ{z-index:1;width:192px;position:fixed;top:30%;margin-left:-16px;background-color:#393939;font-family:IBM Plex Sans,'Helvetica Neue',Arial,sans-serif;display:none;} @media (max-width:1055px){.eKfilQ{display:none;}} /* sc-component-id: NavigationMenuDesktop__MenuDiv-sc-906e01f0-1 */ .ixFWq{padding-top:40px;padding-right:22px;padding-bottom:40px;padding-left:16px;} /* sc-component-id: NavigationMenuDesktop__MenuItemDiv-sc-906e01f0-2 */ .kdchCb{display:grid;} /* sc-component-id: NavigationMenuDesktop__MenuItemAnchor-sc-906e01f0-3 */ .lgsNqY{color:#8D8D8D;font-size:14px;font-weight:300;-webkit-letter-spacing:0.16px;-moz-letter-spacing:0.16px;-ms-letter-spacing:0.16px;letter-spacing:0.16px;line-height:18px;} .lgsNqY:hover{color:#ffffff;font-weight:600;cursor:pointer;} /* sc-component-id: Section2Accordion1__MainDiv-sc-d92eab27-0 */ .fGttKV * > a{cursor:pointer;} /* sc-component-id: Section2Accordion1__ChartData-sc-d92eab27-2 */ .jgUexn{width:37%;right:-20%;display:block;float:right;margin:0px 0 0 -10%;position:relative;min-width:235px;} @media (min-width:672px) and (max-width:1056px){.jgUexn{width:500px;right:-245px;margin:0px 0px 0px -200px;}} @media (max-width:672px){.jgUexn{float:none;margin:0;right:0;width:100%;}} /* sc-component-id: Section2Accordion1__AccordionOuterDiv-sc-d92eab27-3 */ .byAbtp ul{padding-bottom:0px;} .byAbtp ul li{padding-left:unset;} .byAbtp ul li::before{content:unset;} .byAbtp .cds--accordion__item{margin-left:-12px;margin-right:-12px;border-top:1px solid rgb(190,190,190);} .byAbtp .cds--accordion__item:last-child{border-bottom:none;} .byAbtp .cds--accordion__item .cds--accordion__heading{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;padding-inline-end:unset;height:90px;} @media (max-width:400px){.byAbtp .cds--accordion__item .cds--accordion__heading{height:132px;}} .byAbtp .cds--accordion__item .cds--accordion__heading:focus{border:unset;box-shadow:unset;} .byAbtp .cds--accordion__item .cds--accordion__heading:hover{background-color:unset;} .byAbtp .cds--accordion__item .cds--accordion__heading .cds--accordion__arrow{fill:#8a3ffc;-webkit-transform:rotate(90deg) scale(2);-ms-transform:rotate(90deg) scale(2);transform:rotate(90deg) scale(2);margin-right:12px;} .byAbtp .cds--accordion__item .cds--accordion__heading .cds--accordion__title{font-weight:400;font-size:20px;line-height:28px;color:#8a3ffc;} .byAbtp .cds--accordion__item .cds--accordion__content{padding-right:unset;} .byAbtp .cds--accordion__item--active > .cds--accordion__heading > .cds--accordion__arrow{-webkit-transform:rotate(-90deg) scale(2);-ms-transform:rotate(-90deg) scale(2);transform:rotate(-90deg) scale(2);} /* sc-component-id: Section2Accordion1__AccordionContentWrapper-sc-d92eab27-5 */ .jCLofe{padding-top:15px； padding-bottom:0px；;} /* sc-component-id: Section2Accordion2__MainDiv-sc-7be28ee3-0 */ .koojjL * > a{cursor:pointer;} /* sc-component-id: Section2Accordion2__ChartData-sc-7be28ee3-1 */ .clWsrh{width:37%;right:-20%;display:block;float:right;margin:0px 0 0 -10%;position:relative;min-width:235px;} @media (min-width:672px) and (max-width:1056px){.clWsrh{width:500px;right:-245px;margin:0px 0px 0px -200px;}} @media (max-width:672px){.clWsrh{float:none;margin:0;right:0;width:100%;}} /* sc-component-id: Section2Accordion2__AccordionOuterDiv-sc-7be28ee3-2 */ .hquAfL ul{padding-bottom:0px;} .hquAfL ul li{padding-left:unset;} .hquAfL ul li::before{content:unset;} .hquAfL .cds--accordion__item{margin-left:-12px;margin-right:-12px;border-top:1px solid rgb(190,190,190);} .hquAfL .cds--accordion__item:last-child{border-bottom:none;} .hquAfL .cds--accordion__item .cds--accordion__heading{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;padding-inline-end:unset;height:90px;} @media (max-width:400px){.hquAfL .cds--accordion__item .cds--accordion__heading{height:132px;}} .hquAfL .cds--accordion__item .cds--accordion__heading:focus{border:unset;box-shadow:unset;} .hquAfL .cds--accordion__item .cds--accordion__heading:hover{background-color:unset;} .hquAfL .cds--accordion__item .cds--accordion__heading .cds--accordion__arrow{fill:#8a3ffc;-webkit-transform:rotate(90deg) scale(2);-ms-transform:rotate(90deg) scale(2);transform:rotate(90deg) scale(2);margin-right:12px;} .hquAfL .cds--accordion__item .cds--accordion__heading .cds--accordion__title{font-weight:400;font-size:20px;line-height:28px;color:#8a3ffc;} .hquAfL .cds--accordion__item .cds--accordion__content{padding-right:unset;} .hquAfL .cds--accordion__item--active > .cds--accordion__heading > .cds--accordion__arrow{-webkit-transform:rotate(-90deg) scale(2);-ms-transform:rotate(-90deg) scale(2);transform:rotate(-90deg) scale(2);} /* sc-component-id: Section2Accordion2__AccordionContentWrapper-sc-7be28ee3-4 */ .jwcOcE{padding-top:15px； padding-bottom:0px；;} /* sc-component-id: Section2Accordion3__MainDiv-sc-120f4fbb-0 */ .gKSDyj * > a{cursor:pointer;} /* sc-component-id: Section2Accordion3__AccordionOuterDiv-sc-120f4fbb-2 */ .dIbsir ul{padding-bottom:0px;} .dIbsir ul li{padding-left:unset;} .dIbsir ul li::before{content:unset;} .dIbsir .cds--accordion__item{margin-left:-12px;margin-right:-12px;border-top:1px solid rgb(190,190,190);} .dIbsir .cds--accordion__item:last-child{border-bottom:none;} .dIbsir .cds--accordion__item .cds--accordion__heading{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;padding-inline-end:unset;height:90px;} @media (max-width:400px){.dIbsir .cds--accordion__item .cds--accordion__heading{height:132px;}} .dIbsir .cds--accordion__item .cds--accordion__heading:focus{border:unset;box-shadow:unset;} .dIbsir .cds--accordion__item .cds--accordion__heading:hover{background-color:unset;} .dIbsir .cds--accordion__item .cds--accordion__heading .cds--accordion__arrow{fill:#8a3ffc;-webkit-transform:rotate(90deg) scale(2);-ms-transform:rotate(90deg) scale(2);transform:rotate(90deg) scale(2);margin-right:12px;} .dIbsir .cds--accordion__item .cds--accordion__heading .cds--accordion__title{font-weight:400;font-size:20px;line-height:28px;color:#8a3ffc;} .dIbsir .cds--accordion__item .cds--accordion__content{padding-right:unset;} .dIbsir .cds--accordion__item--active > .cds--accordion__heading > .cds--accordion__arrow{-webkit-transform:rotate(-90deg) scale(2);-ms-transform:rotate(-90deg) scale(2);transform:rotate(-90deg) scale(2);} /* sc-component-id: Section2Accordion3__AccordionContentWrapper-sc-120f4fbb-4 */ .fMiEMN{padding-top:15px； padding-bottom:0px；;} /* sc-component-id: Section2Accordion4__MainDiv-sc-45464a5f-0 */ .fhYORB * > a{cursor:pointer;} /* sc-component-id: Section2Accordion4__AccordionOuterDiv-sc-45464a5f-1 */ .idzwSz ul{padding-bottom:0px;} .idzwSz ul li{padding-left:unset;} .idzwSz ul li::before{content:unset;} .idzwSz .cds--accordion__item{margin-left:-12px;margin-right:-12px;border-top:1px solid rgb(190,190,190);border-bottom:1px solid rgb(190,190,190);} .idzwSz .cds--accordion__item .cds--accordion__heading{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;padding-inline-end:unset;height:90px;} @media (max-width:400px){.idzwSz .cds--accordion__item .cds--accordion__heading{height:132px;}} .idzwSz .cds--accordion__item .cds--accordion__heading:focus{border:unset;box-shadow:unset;} .idzwSz .cds--accordion__item .cds--accordion__heading:hover{background-color:unset;} .idzwSz .cds--accordion__item .cds--accordion__heading .cds--accordion__arrow{fill:#8a3ffc;-webkit-transform:rotate(90deg) scale(2);-ms-transform:rotate(90deg) scale(2);transform:rotate(90deg) scale(2);margin-right:12px;} .idzwSz .cds--accordion__item .cds--accordion__heading .cds--accordion__title{font-weight:400;font-size:20px;line-height:28px;color:#8a3ffc;} .idzwSz .cds--accordion__item .cds--accordion__content{padding-right:unset;} .idzwSz .cds--accordion__item--active > .cds--accordion__heading > .cds--accordion__arrow{-webkit-transform:rotate(-90deg) scale(2);-ms-transform:rotate(-90deg) scale(2);transform:rotate(-90deg) scale(2);} /* sc-component-id: Section2Accordion4__AccordionContentWrapper-sc-45464a5f-3 */ .gJvbwi{padding-top:15px； padding-bottom:0px；;} /* sc-component-id: SectionContainer__MainText-sc-a732839c-0 */ .cCnyTX{color:#191918;font-size:16px;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:24px;} /* sc-component-id: SectionContainer__LastParagraphDiv-sc-a732839c-1 */ @media (max-width:672px){.bsFoRp{margin-top:16px !important;}} /* sc-component-id: SectionContainer__Placeholder-sc-a732839c-3 */ @media (max-width:672px){.kBnscg{display:none !important;}} /* sc-component-id: SectionContainer__Banner-sc-a732839c-4 */ @media (min-width:672px) and (max-width:1100px){.cIjdSl{height:285px;}} /* sc-component-id: SectionContainer__ContainerMain-sc-a732839c-5 */ .kLjNbp{position:relative;} /* sc-component-id: SectionContainer__Container-sc-a732839c-6 */ .iixliG{padding-bottom:78px;} .iixliG .container-common-text{font-size:16px;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:24px;margin-bottom:1em;} /* sc-component-id: SectionContainer__MainSubHeaderParent-sc-a732839c-7 */ .dnAhRB{position:relative;} /* sc-component-id: SectionContainer__MainHeader-sc-a732839c-8 */ .blELto{color:#161616;font-size:28px;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:36px;position:absolute;top:0;white-space:nowrap;border:1px solid #8a3ffc;padding:31.5px 0;border-left:none;border-right:none;margin-left:16px;} @media (max-width:672px){.blELto{margin-left:-16px;padding-left:32px;padding-right:32px;position:relative;white-space:break-spaces;}} @media (max-width:320px){.blELto{margin-left:0;padding-left:16px;padding-right:16px;width:100% !important;}} /* sc-component-id: SectionContainer__MainBody-sc-a732839c-10 */ .fnrBEU{margin-top:143px;margin-bottom:40px;color:#191918;font-size:16px;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:24px;} @media (max-width:672px){.fnrBEU{margin-top:40px !important;}} /* sc-component-id: SectionContainer__MainFooter-sc-a732839c-11 */ .cqDLiW{padding-top:9px;} @media (max-width:320px){.cqDLiW{margin-top:-40px;}} .cqDLiW #ButtonGroup__CustomDownloadBtnContainer .button-primary,.cqDLiW #ButtonGroup__CustomDownloadBtnContainer .button-secondary,.cqDLiW #ButtonGroup__CustomDownloadBtnContainer .button-secondary-rebrand{-webkit-flex-direction:row;-ms-flex-direction:row;flex-direction:row;-webkit-box-pack:justify;-webkit-justify-content:space-between;-ms-flex-pack:justify;justify-content:space-between;} /* sc-component-id: SectionContainer__Transparent-sc-a732839c-12 */ .fbdiPp{margin-bottom:79.5px;} @media (max-width:672px){.fbdiPp{margin-bottom:37.5px !important;}} .fbdiPp img{width:100%;} /* sc-component-id: SectionContainer__TextContainer-sc-a732839c-13 */ .kMcwrR{position:absolute;right:117px;top:75px;width:37%;} @media (min-width:320px) and (max-width:671px){.kMcwrR{left:0;top:30%;margin-left:24px;right:19px;width:auto;}} @media (max-width:320px){.kMcwrR{left:0;top:30%;margin-left:24px;right:19px;width:auto;}} @media (min-width:672px) and (max-width:1100px){.kMcwrR{top:10%;}} /* sc-component-id: SectionContainer__Section2TextContainer-sc-a732839c-14 */ .fpRxNb{position:absolute;right:160px;top:13%;width:25%;} @media (min-width:320px) and (max-width:671px){.fpRxNb{left:0;top:10%;margin-left:24px;width:90%;}} @media (max-width:320px){.fpRxNb{left:0;top:5%;margin-left:24px;}} @media (min-width:672px) and (max-width:759px){.fpRxNb{top:5%;right:123px;}} @media (min-width:760px) and (max-width:950px){.fpRxNb{top:10%;right:123px;}} @media (min-width:951px) and (max-width:1309px){.fpRxNb{top:10%;}} /* sc-component-id: SectionContainer__BannerContainer-sc-a732839c-15 */ .kNAGzD{position:relative;} /* sc-component-id: SectionContainer__InsertSectionTitle-sc-a732839c-17 */ .fjoNHJ{width:560px;color:#161616;font-size:28px;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:36px;margin-bottom:26px;margin-top:72px;} @media (min-width:320px) and (max-width:671px){.fjoNHJ{width:auto;}} @media (max-width:320px){.fjoNHJ{width:auto;font-size:28px;line-height:36px;}} /* sc-component-id: SectionContainer__Text-sc-a732839c-19 */ .cjEBGR{min-width:280px;color:#f4f4f4;font-size:1.85rem;font-style:italic;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:34px;margin-bottom:24px;} @media (min-width:320px) and (max-width:671px){.cjEBGR{width:auto;}} @media (max-width:320px){.cjEBGR{font-size:1.8rem;}} @media (min-width:672px) and (max-width:774px){.cjEBGR{font-size:1.3rem;margin-bottom:0;line-height:23px;}} @media (min-width:901px) and (max-width:1130px){.cjEBGR{font-size:1.5rem;margin-bottom:8px;}} @media (min-width:775px) and (max-width:900px){.cjEBGR{font-size:1.4rem;margin-bottom:8px;line-height:25px;}} @media (min-width:1313px) and (max-width:1550px){.cjEBGR{font-size:2rem;margin-bottom:26px;line-height:38px;}} @media (min-width:1551px) and (max-width:1650px){.cjEBGR{font-size:2.2rem;margin-bottom:28px;line-height:42px;}} @media (min-width:1651px) and (max-width:1750px){.cjEBGR{font-size:2.4rem;margin-bottom:30px;line-height:44px;}} @media (min-width:1751px){.cjEBGR{font-size:2.6rem;margin-bottom:32px;line-height:46px;}} /* sc-component-id: SectionContainer__Section2Text-sc-a732839c-20 */ .EAAHb{width:100%;min-width:280px;color:#f4f4f4;font-size:1.85rem;font-style:normal;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:36px;margin-bottom:24px;} @media (min-width:320px) and (max-width:671px){.EAAHb{width:auto;font-size:2rem;}} @media (min-width:672px) and (max-width:910px){.EAAHb{font-size:1.45rem;margin-bottom:0;line-height:25px;}} @media (min-width:911px) and (max-width:12450px){.EAAHb{font-size:1.5rem;margin-bottom:8px;}} @media (min-width:1313px) and (max-width:1550px){.EAAHb{font-size:2rem;margin-bottom:8px;line-height:38px;}} @media (min-width:1551px) and (max-width:1650px){.EAAHb{font-size:2.2rem;margin-bottom:8px;line-height:42px;}} @media (min-width:1651px) and (max-width:1750px){.EAAHb{font-size:2.4rem;margin-bottom:8px;line-height:44px;}} @media (min-width:1751px){.EAAHb{font-size:2.6rem;margin-bottom:8px;line-height:46px;}} /* sc-component-id: SectionContainer__Section2InsightText-sc-a732839c-22 */ .eWRsDV{width:100%;color:#f4f4f4;font-size:16px;font-style:normal;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:24px;margin-bottom:24px;font-weight:bold;} @media (min-width:320px) and (max-width:671px){.eWRsDV{width:auto;}} @media (max-width:1100px){.eWRsDV{margin-bottom:5px;}} /* sc-component-id: SectionContainer__Author-sc-a732839c-23 */ .icEIgM{height:24px;width:448px;color:#ffffff;font-size:1.1rem;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:24px;} @media (min-width:320px) and (max-width:671px){.icEIgM{width:auto;font-size:0.9rem;}} @media (max-width:320px){.icEIgM{font-size:1.1rem;}} @media (min-width:671px) and (max-width:749px){.icEIgM{font-size:0.8rem;}} @media (min-width:750px) and (max-width:949px){.icEIgM{font-size:1rem;}} @media (min-width:950px) and (max-width:1160px){.icEIgM{font-size:1rem;}} @media (min-width:1313px) and (max-width:1550px){.icEIgM{font-size:1.2rem;}} @media (min-width:1551px) and (max-width:1650px){.icEIgM{font-size:1.3rem;}} @media (min-width:1651px) and (max-width:1750px){.icEIgM{font-size:1.4rem;}} @media (min-width:1751px){.icEIgM{font-size:1.5rem;}} /* sc-component-id: SectionContainer__ChartData-sc-a732839c-24 */ .dooBPh{width:37%;right:-20%;display:block;float:right;margin:0px 0 0 -10%;position:relative;min-width:235px;} @media (min-width:672px) and (max-width:1056px){.dooBPh{width:500px;right:-245px;margin:0px 0px 0px -200px;}} @media (max-width:672px){.dooBPh{float:none;margin:0;right:0;width:100%;}} /* sc-component-id: SectionContainerCollections__InsertSection-sc-5edd7396-0 */ .jPoLIL{margin:39.5px 0;} .jPoLIL .borderClass{border:2px solid #8a3ffc;border-left:none;border-right:none;} .jPoLIL .borderClassTopOnly{border-top:2px solid #8a3ffc;width:60%;} @media (max-width:671px){.jPoLIL .borderClassTopOnly{border:none;}} .jPoLIL .borderClassTopOnly:first-of-type{border-top:2px solid #8a3ffc;width:60%;} @media (max-width:671px){.jPoLIL .borderClassTopOnly:first-of-type{border:none;}} .jPoLIL .borderClassTopOnlyWithIcon{border-top:2px solid #8a3ffc;width:60%;} @media (max-width:1055px){.jPoLIL .borderClassTopOnlyWithIcon{border:none;}} .jPoLIL .ibm-grid-container{margin:0 !important;} .jPoLIL .insertSection{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;margin:40px -16px !important;} .jPoLIL .insertSection-icon{text-align:center;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;-webkit-box-pack:center;-webkit-justify-content:center;-ms-flex-pack:center;justify-content:center;} .jPoLIL .insertSection-border-left{border-left:1px solid #8d8d8d;} .jPoLIL .insertSection-border-top{border-top:1px solid #8d8d8d;margin-top:20px;padding-top:20px;} .jPoLIL .insertSection-text-header{color:#0f62fe;font-size:54px;font-weight:300;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:64px;} .jPoLIL .gray{color:#8d8d8d;} .jPoLIL .insertSection-text-intro{color:#191918;font-size:16px;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:24px;} /* sc-component-id: SectionContainerCollections__InsertSectionTitle-sc-5edd7396-1 */ .eLFZWi{color:#191918;font-size:16px;font-weight:bold;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:24px;} /* sc-component-id: SectionContainerCollections__InsertSectionComplexTextHeader-sc-5edd7396-2 */ .iXOsc{color:#8a3ffc;font-family:'IBM Plex Sans';font-size:20px;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:26px;vertical-align:middle;margin-top:20px;} /* sc-component-id: SectionContainerCollections__InsertSectionComplexTextIntro-sc-5edd7396-3 */ .zZmir{color:#191918;font-size:16px;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:24px;} /* sc-component-id: SectionContainerCollections__InsertSectionComplex-sc-5edd7396-4 */ .HytRy{margin-bottom:-39.5px;} /* sc-component-id: SectionContainerCollections__InsertSectionComplexListWithIcon-sc-5edd7396-6 */ .kHvJIH{padding:50px 0px 65px !important;} @media (max-width:672px){.kHvJIH{padding-bottom:10px !important;}} /* sc-component-id: SectionContainerCollections__InsertSectionComplexIcon-sc-5edd7396-7 */ .fqpVnT{margin-left:-16px;} @media (min-width:320px) and (max-width:671px){.fqpVnT{margin:40px 0 0;text-align:center;}.fqpVnT img{margin:0;}} /* sc-component-id: SectionContainerCollections__ActionItemIcon-sc-5edd7396-8 */ .bPStXz{margin:40px 0px;} /* sc-component-id: insights__InsightsSectionDiv-sc-346ab308-0 */ .dsjgca{padding:0;margin:48px 0px;max-width:100%;font-family:"IBM Plex Sans, 'Helvetica Neue', Arial, sans-serif;";line-height:24px;font-size:16px;} @media (max-width:484px){.dsjgca{margin:20px 0px;}} /* sc-component-id: insights__Image-sc-346ab308-1 */ .jswUcU{width:96px;height:96px;} /* sc-component-id: insights__TitleBlue-sc-346ab308-2 */ .hXucle{width:100%;color:#f3f3f3;font-size:20px;font-weight:bold;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:26px;margin:0 0 5px 0;padding:0 0 0 0;} @media (max-width:484px){.hXucle{width:100%;margin:0 auto;padding:10px 0 0 0;}} /* sc-component-id: insights__Findings-sc-346ab308-3 */ .ccbFoU{padding:0;margin:0;color:#f3f3f3;max-width:100%;} .ccbFoU .findings-desc{line-height:24px;font-size:16px;margin:0 auto;} .ccbFoU .findings-item{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;margin-top:24px;} .ccbFoU .findings-item .item-title{line-height:24px;font-size:16px;font-weight:bold;margin-top:24px;} .ccbFoU .findings-item .item-desc{line-height:24px;font-size:16px;margin-top:24px;color:#f3f3f3;} @media (max-width:484px){.ccbFoU .findings-item .item-desc{padding-bottom:40px;}} .ccbFoU .findings-item .icon{margin-right:64px;margin-bottom:24px;} @media (max-width:484px){.ccbFoU .findings-item .icon{margin:24px auto;display:inherit;}} .ccbFoU .findings-item p{line-height:24px;font-size:16px;} @media (max-width:484px){.ccbFoU .findings-item{display:block;}} /* sc-component-id: insights__PurpleLineTop-sc-346ab308-4 */ .gJaTey{margin-left:0px;width:100%;background-color:#be95ff;border:none;height:1px;margin-bottom:40px;} /* sc-component-id: WomenLeadership2022Tile__TileDiv-sc-cdff1e6d-0 */ .bRAOGm{background-color:#491d8b;font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;margin-right:-32px;margin-left:-32px;} @media (max-width:1055px){.bRAOGm{margin-right:0px;margin-left:0px;}} @media (max-width:671px){.bRAOGm{margin-right:0px;margin-left:0px;}} .bRAOGm:hover{opacity:0.9;} /* sc-component-id: WomenLeadership2022Tile__Content-sc-cdff1e6d-1 */ .brkOhM{color:#f4f4f4;padding-top:16px;padding-right:32px;padding-left:32px;} @media (max-width:1055px){.brkOhM{padding-right:32px;padding-left:32px;}} @media (max-width:320px){.brkOhM{padding-right:16px;padding-left:16px;}} /* sc-component-id: WomenLeadership2022Tile__TileLableDiv-sc-cdff1e6d-2 */ .dCeRyu{font-size:12px;-webkit-letter-spacing:0.32px;-moz-letter-spacing:0.32px;-ms-letter-spacing:0.32px;letter-spacing:0.32px;line-height:16px;} /* sc-component-id: WomenLeadership2022Tile__TileTitleDiv-sc-cdff1e6d-3 */ .ekmoFl{font-size:20px;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:28px;padding-top:2px;} /* sc-component-id: WomenLeadership2022Tile__Row-sc-cdff1e6d-4 */ .bdUrrG{padding-top:36px;padding-bottom:20px;} /* sc-component-id: WomenLeadership2022Tile__RightArrow-sc-cdff1e6d-5 */ .cBcFQN{font-size:25px;} /* sc-component-id: SectionIntro__IntroSection-sc-98057e-0 */ .crClbM{padding-top:0px !important;padding-bottom:28px;} @media (max-width:1055px){.crClbM{-webkit-flex-direction:column-reverse;-ms-flex-direction:column-reverse;flex-direction:column-reverse;padding-bottom:0px;}} /* sc-component-id: SectionIntro__IntroSection2-sc-98057e-1 */ .eqMDuA{padding-top:0px !important;padding-bottom:28px;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;} @media (max-width:1055px){.eqMDuA{-webkit-flex-direction:column-reverse;-ms-flex-direction:column-reverse;flex-direction:column-reverse;padding-bottom:0px;}} @media (max-width:1055px){.eqMDuA{-webkit-flex-direction:column-reverse;-ms-flex-direction:column-reverse;flex-direction:column-reverse;}} /* sc-component-id: SectionIntro__IntroSectionTitleDesktop-sc-98057e-2 */ .bCWXJf{font-family:IBM Plex Sans,'Helvetica Neue',Arial,sans-serif;font-size:28px;color:#fff;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:36px;} .bCWXJf p{padding-top:15px;} @media (max-width:1055px){.bCWXJf{padding-top:28px;}} /* sc-component-id: SectionIntro__IntroSectionContent-sc-98057e-3 */ .cpkaEt{margin-top:40px;} @media (max-width:671px){.cpkaEt{margin-top:16px;}} .cpkaEt p{font-family:IBM Plex Sans,'Helvetica Neue',Arial,sans-serif;font-size:16px;color:#ffffff;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:24px;} .cpkaEt a{-webkit-text-decoration:underline;text-decoration:underline;} /* sc-component-id: SectionIntro__BookmarkDiv-sc-98057e-4 */ .gzyZnH{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-box-pack:justify;-webkit-justify-content:space-between;-ms-flex-pack:justify;justify-content:space-between;font-family:IBM Plex Sans,'Helvetica Neue',Arial,sans-serif;font-weight:600;font-size:16px;color:#323232;line-height:22px;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;margin-bottom:12px;margin-top:0px;max-width:unset;} .gzyZnH > span{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;white-space:nowrap;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;font-family:IBM Plex Sans,'Helvetica Neue',Arial,sans-serif;font-weight:600;font-size:14px;color:#3d3d3d;-webkit-letter-spacing:0.16px;-moz-letter-spacing:0.16px;-ms-letter-spacing:0.16px;letter-spacing:0.16px;line-height:18px;} .gzyZnH > div{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;} /* sc-component-id: SectionIntro__BriefVideoWrapper-sc-98057e-5 */ .dHPSXU{margin-top:30px;background-color:lightblue;} /* sc-component-id: SectionIntro__RenderSharePC-sc-98057e-6 */ .bYieMS{display:inline-block;width:50%;padding-left:0px;} .bYieMS div:first-child{background-color:#be95ff !important;border:none !important;height:2px;} .bYieMS span:first-child{color:#fff !important;} .bYieMS div{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-itmes:center !important;-webkit-box-align-itmes:center !important;-ms-flex-align-itmes:center !important;align-itmes:center !important;} .bYieMS div a[class*='-mono-link']::before{color:#fff;} .bYieMS div a[class*='-mono-link']:hover::before{color:#be95ff;} .bYieMS div a[class*='-mono-link']:focus::before{color:#be95ff;} /* sc-component-id: SectionIntro__RenderBookmarkPC-sc-98057e-7 */ .goAITB{display:inline-block;width:50%;padding-right:0px;} .goAITB div:first-child{background-color:#be95ff !important;border:none !important;height:2px;} .goAITB span:first-child{color:#fff !important;} .goAITB svg:first-child #Mask{fill:#be95ff;} .goAITB svg:last-child #Mask{fill:#fff;} /* sc-component-id: SectionIntro__PurpleLineTop-sc-98057e-10 */ .fPUybi{margin-left:0px;width:100%;background-color:#be95ff;border:none;height:2px;margin-bottom:40px;} /* sc-component-id: insightsFirstMovers__InsightsSectionDiv-sc-b7f77a1c-0 */ .hCiaAO{padding:0;margin:80px 0px;max-width:100%;font-family:"IBM Plex Sans, 'Helvetica Neue', Arial, sans-serif;";line-height:24px;font-size:16px;} @media (max-width:320px){.hCiaAO{margin-bottom:0px;}} /* sc-component-id: insightsFirstMovers__Image-sc-b7f77a1c-1 */ .fpENqO{width:96px;height:96px;} /* sc-component-id: insightsFirstMovers__Title-sc-b7f77a1c-2 */ .ipDoTX{margin-top:80px;width:110%;color:#161616;font-size:28px;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:36px;border:1px solid #8a3ffc;border-left:none;border-right:none;padding:31.5px 0;margin-left:-16px;top:0;} @media (max-width:672px){.ipDoTX{margin-left:-16px;padding-left:32px;padding-right:32px;position:relative;white-space:break-spaces;}} @media (max-width:320px){.ipDoTX{margin-left:-20px;padding-left:52px;padding-right:16px;width:120% !important;}} /* sc-component-id: insightsFirstMovers__TitleBlue-sc-b7f77a1c-3 */ .igtDjW{width:70%;color:#191918;font-size:16px;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:24px;margin:0 0 30px 0;padding:50px 0 0 0;} @media (max-width:484px){.igtDjW{font-size:16px;font-weight:600;font-height:24px;width:100%;margin:0 auto;}} /* sc-component-id: insightsFirstMovers__FindTitleBlue-sc-b7f77a1c-4 */ .kNfaFN{width:60%;color:#191918;font-size:28px;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:36px;margin:0 0 73px 0;padding:50px 0 0 0;} @media (min-width:484px) and (max-width:1055px){.kNfaFN{width:100%;}} @media (max-width:484px){.kNfaFN{margin:0 16px 0 0;width:100%;}} /* sc-component-id: insightsFirstMovers__Insights-sc-b7f77a1c-5 */ .HNRIu{padding:0;margin:0 -16px;max-width:100%;color:#191918;} .HNRIu .row{padding:0;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;} @media (max-width:484px){.HNRIu .row{border:none;display:block;}} .HNRIu .row .cell{-webkit-flex:1;-ms-flex:1;flex:1;} .HNRIu .insight-item{padding:40px 0px;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;margin:0 0 30px 0;height:80%;} @media (max-width:484px){.HNRIu .insight-item{padding:0;}} .HNRIu .insight-item .icon{margin-bottom:24px;} @media (max-width:484px){.HNRIu .insight-item .icon{margin:24px auto;}} .HNRIu .insight-item p{line-height:24px;font-size:16px;width:80%;} @media (max-width:484px){.HNRIu .insight-item p{width:100%;margin:0 auto;}} .HNRIu .padding-left{border:1px solid #8d8d8d;border-top:none;border-bottom:none;border-right:none;padding-left:80px;} @media (max-width:484px){.HNRIu .padding-left{padding:0;border:none;}} .HNRIu .underline{border:1px solid #BBD4FF;border-top:none;border-left:none;border-right:none;} @media (max-width:484px){.HNRIu .underline{border:none;}} @media (max-width:320px){.HNRIu{margin:0px;}} /* sc-component-id: insightsFirstMovers__FindingsDiv-sc-b7f77a1c-6 */ .fGcXmh{margin:0;} @media (max-width:484px){.fGcXmh{margin:16px;}} /* sc-component-id: insightsFirstMovers__Findings-sc-b7f77a1c-7 */ .jxyVSO{padding:0;color:#191918;max-width:100%;} .jxyVSO .findings-desc{line-height:24px;font-size:16px;margin:0 auto;} .jxyVSO .findings-item{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;margin-top:21.5px;padding:0;padding-bottom:40px;} .jxyVSO .findings-item .item-title{line-height:24px;font-size:16px;font-weight:bold;margin-top:24px;color:#8A3FFC;} .jxyVSO .findings-item .item-desc{margin-top:8px;} .jxyVSO .findings-item .icon{margin-right:64px;margin-bottom:24px;} @media (max-width:484px){.jxyVSO .findings-item .icon{margin:24px auto;display:inherit;}} .jxyVSO .findings-item p{line-height:24px;font-size:16px;} @media (max-width:484px){.jxyVSO .findings-item{display:block;padding-left:0;}} /* sc-component-id: insightsFirstMovers__PurpleLineTop-sc-b7f77a1c-8 */ .kxJurP{margin-left:0px;width:100%;background-color:#be95ff;border:none;height:2px;margin-bottom:40px;padding-right:0px;} @media (max-width:484px){.kxJurP{height:0px;}} /* sc-component-id: insightsFirstMovers__MainText-sc-b7f77a1c-9 */ .gbelHm{color:#191918;font-size:16px;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:24px;width:67%;} @media (max-width:1055px){.gbelHm{width:100%;}} /* sc-component-id: insightsFirstMovers__Container-sc-b7f77a1c-10 */ .ejvQXb{padding-bottom:78px;} .ejvQXb .container-common-text{font-size:16px;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:24px;margin-bottom:1em;} /* sc-component-id: Page-styled__BookmarkShareAssetAuthorWrapper-sc-a627b8cf-0 */ .khAWaw{z-index:1;position:relative;margin-top:3rem;} @media (min-width:1056px){.khAWaw{display:none;}} /* sc-component-id: Page-styled__Divider-sc-a627b8cf-1 */ .hELFqV{border-top:1px solid #c6c6c6;background-color:#E5F6FF;} @media (min-width:1056px){.hELFqV{margin:0px 3rem;}}.gkSUib{border-top:1px solid #c6c6c6;background-color:#DEFBE6;} @media (min-width:1056px){.gkSUib{margin:0px 3rem;}}.iYSPvn{border-top:1px solid #c6c6c6;background-color:#ffffff;} @media (min-width:1056px){.iYSPvn{margin:0px 3rem;}}.hGKKmU{border-top:1px solid #c6c6c6;background-color:#f6f2ff;} @media (min-width:1056px){.hGKKmU{margin:0px 3rem;}}.kQxiAn{border-top:1px solid #c6c6c6;background-color:#F6F2FF;} @media (min-width:1056px){.kQxiAn{margin:0px 3rem;}}.cwCYjC{border-top:1px solid #c6c6c6;background-color:#edf5ff;} @media (min-width:1056px){.cwCYjC{margin:0px 3rem;}}.exBcAY{border-top:1px solid #c6c6c6;background-color:#EDF5FF;} @media (min-width:1056px){.exBcAY{margin:0px 3rem;}} /* sc-component-id: Page-styled__DividerWrapper-sc-a627b8cf-2 */ @media (min-width:1056px){.hmLedJ{display:none;}} /* sc-component-id: Page-styled__DividerText-sc-a627b8cf-3 */ .fEvsDn{font-size:1.75rem;font-style:normal;font-weight:400;line-height:2.25rem;color:#000000;}.iJMiAW{font-size:1.75rem;font-style:normal;font-weight:400;line-height:2.25rem;color:#8d8d8d;} /* sc-component-id: Page-styled__DividerTextWrapper-sc-a627b8cf-4 */ .eoOXFa{padding:3rem 0px;} /* sc-component-id: Page-styled__DesktopReportListWrapperDiv-sc-a627b8cf-5 */ .jFxMBQ{display:none;} @media (min-width:1056px){.jFxMBQ{display:block;}} /* sc-component-id: Page-styled__MobileReportListWrapperDiv-sc-a627b8cf-6 */ @media (min-width:1056px){.bGONne{display:none;}} .bGONne .ibm-grid-container{margin-left:0;margin-right:0;} /* sc-component-id: Page-styled__LeadspaceButtonStyles-sc-a627b8cf-7 */ .iFISbm #custom-download-btn-1,.iFISbm #custom-lh-download-btn-1{background-color:#ffffff;color:#0f62fe;border-color:#ffffff;} /* sc-component-id: Page-styled__ShareBookMarkContainer-sc-a627b8cf-8 */ @media (min-width:1055px){.cJdZXv{padding:0 !important;}} /* sc-component-id: CarouselNavigationBar__Container-sc-33b3479e-0 */ .gChgUr{display:none;font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;background-color:#e5f6ff;border-top:0.0625rem solid #78a9ff;border-bottom:0.0625rem solid #78a9ff;position:inherit;} .gChgUr.sticky{position:fixed;opacity:1;width:100%;z-index:9;} @media (min-width:1056px){.gChgUr{display:block;}} /* sc-component-id: CarouselNavigationBar__FirstTabContainer-sc-33b3479e-1 */ .bKWmeS{font-weight:bold;line-height:1.5rem;margin:auto 0;} /* sc-component-id: CarouselNavigationBar__FirstTab-sc-33b3479e-2 */ .kwHSYr{font-size:1.25rem;padding:0rem 1rem;} /* sc-component-id: CarouselNavigationBar__TabContainer-sc-33b3479e-3 */ .bijnDv{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;padding:1.25rem 0.9375rem;line-height:1.625rem;font-weight:normal;pointer-events:auto;} .bijnDv:hover{cursor:pointer;background-color:#b9e6ff;}.elNfEx{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;padding:1.25rem 0.9375rem;line-height:1.625rem;font-weight:bold;pointer-events:none;} .elNfEx:hover{cursor:pointer;background-color:#b9e6ff;} /* sc-component-id: CarouselNavigationBar__Tab-sc-33b3479e-6 */ .imiZVs{margin:auto 0;} /* sc-component-id: CarouselNavigationBar__TabsWrapperLeft-sc-33b3479e-7 */ .hHJhqC{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;padding-left:unset;padding-right:unset;} /* sc-component-id: CarouselNavigationBar__TabsWrapper-sc-33b3479e-8 */ .bTmngy{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-flow:row nowrap;-ms-flex-flow:row nowrap;flex-flow:row nowrap;-webkit-box-pack:start;-webkit-justify-content:flex-start;-ms-flex-pack:start;justify-content:flex-start;padding-left:unset;padding-right:unset;position:relative;} /* sc-component-id: CarouselNavigationBar__CarouseBarDiv-sc-33b3479e-9 */ .hvnQUG{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-flow:row nowrap;-ms-flex-flow:row nowrap;flex-flow:row nowrap;overflow-x:hidden;-webkit-scroll-behavior:smooth;-moz-scroll-behavior:smooth;-ms-scroll-behavior:smooth;scroll-behavior:smooth;position:relative;} @media (min-width:1788px) and (max-width:1830px){.hvnQUG .carousel-bar__last-tab{padding-right:3rem;}} /* sc-component-id: CEOGuideLeadSpace__ActionsWrapper-sc-bbee2697-1 */ .dTwzGv{display:none;} @media (min-width:1056px){.dTwzGv{display:inline;}} /* sc-component-id: CEOGuideLeadSpace__BreadcrumbWrapper-sc-bbee2697-3 */ .fKUakx{position:relative;padding-left:1rem;} .fKUakx a span{color:#262626 !important;-webkit-text-decoration:underline;text-decoration:underline;font-size:1rem;} .fKUakx *:after,.fKUakx span{color:#262626 !important;font-size:1rem;} .fKUakx .breadcrumbs{color:#161616;}.iKsMsl{position:relative;padding-left:1rem;} .iKsMsl a span{color:#000000 !important;-webkit-text-decoration:underline;text-decoration:underline;font-size:1rem;} .iKsMsl *:after,.iKsMsl span{color:#000000 !important;font-size:1rem;} .iKsMsl .breadcrumbs{color:#161616;}.bPanlF{position:relative;padding-left:1rem;} .bPanlF a span{color:white !important;-webkit-text-decoration:underline;text-decoration:underline;font-size:1rem;} .bPanlF *:after,.bPanlF span{color:white !important;font-size:1rem;} .bPanlF .breadcrumbs{color:#161616;}.ewlJtC{position:relative;padding-left:1rem;} .ewlJtC a span{color:#ffffff !important;-webkit-text-decoration:underline;text-decoration:underline;font-size:1rem;} .ewlJtC *:after,.ewlJtC span{color:#ffffff !important;font-size:1rem;} .ewlJtC .breadcrumbs{color:#161616;} /* sc-component-id: CEOGuideLeadSpace__HeaderTitleH1-sc-bbee2697-5 */ .ecVscb{font-size:44px;line-height:1.2;font-weight:300;color:#262626;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;} .ecVscb .nobr{white-space:nowrap;} .ecVscb span{white-space:nowrap;position:relative;}.icqtk{font-size:44px;line-height:1.2;font-weight:300;color:#000000;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;} .icqtk .nobr{white-space:nowrap;} .icqtk span{white-space:nowrap;position:relative;}.dGwkoS{font-size:44px;line-height:1.2;font-weight:300;color:white;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;} .dGwkoS .nobr{white-space:nowrap;} .dGwkoS span{white-space:nowrap;position:relative;}.gNzOny{font-size:44px;line-height:1.2;font-weight:300;color:#ffffff;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;} .gNzOny .nobr{white-space:nowrap;} .gNzOny span{white-space:nowrap;position:relative;} /* sc-component-id: CEOGuideLeadSpace__TextWrap-sc-bbee2697-6 */ .iKnZDb{position:relative;color:white;min-height:23.5rem;} .iKnZDb p{font-size:20px;color:#161616;line-height:26px;} /* sc-component-id: CEOGuideLeadSpace__MobileBreadcrumbs-sc-bbee2697-7 */ .hfvnye{font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-size:1rem;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:27px;margin-bottom:20px;width:100%;} @media (min-width:672px){.hfvnye{display:none !important;}} @media (max-width:671px){.hfvnye .mobile_home-breadcrumb{-webkit-text-decoration:underline;text-decoration:underline;}} .hfvnye > *{font-size:1rem;margin-right:0.25rem;} .hfvnye a{color:#262626;} .hfvnye a span{font-size:1rem;margin-right:0.25rem;-webkit-text-decoration:underline;text-decoration:underline;color:#262626;} .hfvnye > *:after{content:'/';margin-left:0.25rem;display:inline;font-size:1rem;color:#262626;} @media (max-width:671px){.hfvnye > *:after{display:inline-block;}} .hfvnye label{color:#262626;} .hfvnye > *:last-child:after{font-size:1rem;content:'';color:none !important;}.jkcpoB{font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-size:1rem;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:27px;margin-bottom:20px;width:100%;} @media (min-width:672px){.jkcpoB{display:none !important;}} @media (max-width:671px){.jkcpoB .mobile_home-breadcrumb{-webkit-text-decoration:underline;text-decoration:underline;}} .jkcpoB > *{font-size:1rem;margin-right:0.25rem;} .jkcpoB a{color:#000000;} .jkcpoB a span{font-size:1rem;margin-right:0.25rem;-webkit-text-decoration:underline;text-decoration:underline;color:#000000;} .jkcpoB > *:after{content:'/';margin-left:0.25rem;display:inline;font-size:1rem;color:#000000;} @media (max-width:671px){.jkcpoB > *:after{display:inline-block;}} .jkcpoB label{color:#000000;} .jkcpoB > *:last-child:after{font-size:1rem;content:'';color:none !important;}.ccQRrN{font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-size:1rem;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:27px;margin-bottom:20px;width:100%;} @media (min-width:672px){.ccQRrN{display:none !important;}} @media (max-width:671px){.ccQRrN .mobile_home-breadcrumb{-webkit-text-decoration:underline;text-decoration:underline;}} .ccQRrN > *{font-size:1rem;margin-right:0.25rem;} .ccQRrN a{color:white;} .ccQRrN a span{font-size:1rem;margin-right:0.25rem;-webkit-text-decoration:underline;text-decoration:underline;color:white;} .ccQRrN > *:after{content:'/';margin-left:0.25rem;display:inline;font-size:1rem;color:white;} @media (max-width:671px){.ccQRrN > *:after{display:inline-block;}} .ccQRrN label{color:white;} .ccQRrN > *:last-child:after{font-size:1rem;content:'';color:none !important;}.clbvvx{font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-size:1rem;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:27px;margin-bottom:20px;width:100%;} @media (min-width:672px){.clbvvx{display:none !important;}} @media (max-width:671px){.clbvvx .mobile_home-breadcrumb{-webkit-text-decoration:underline;text-decoration:underline;}} .clbvvx > *{font-size:1rem;margin-right:0.25rem;} .clbvvx a{color:#ffffff;} .clbvvx a span{font-size:1rem;margin-right:0.25rem;-webkit-text-decoration:underline;text-decoration:underline;color:#ffffff;} .clbvvx > *:after{content:'/';margin-left:0.25rem;display:inline;font-size:1rem;color:#ffffff;} @media (max-width:671px){.clbvvx > *:after{display:inline-block;}} .clbvvx label{color:#ffffff;} .clbvvx > *:last-child:after{font-size:1rem;content:'';color:none !important;} /* sc-component-id: CEOGuideLeadSpace__CustomDownloadBtnDiv-sc-bbee2697-8 */ .heOOlW{margin-bottom:60px;} @media (max-width:320px){.heOOlW{margin-bottom:40px;}} /* sc-component-id: CEOGuideLeadSpace__ButtonAreaDiv-sc-bbee2697-9 */ .knFLEx{z-index:5;margin-top:2rem;} /* sc-component-id: CEOGuideLeadSpace__LeadspaceButtonsDiv-sc-bbee2697-11 */ .GsIYO{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:row;-ms-flex-direction:row;flex-direction:row;-webkit-flex-wrap:wrap;-ms-flex-wrap:wrap;flex-wrap:wrap;padding-bottom:unset;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;} .GsIYO .cds--btn--tertiary:focus{box-shadow:none;} .GsIYO .cds--btn--tertiary:hover{color:box-shadow:none;} .GsIYO a{-webkit-align-self:baseline;-ms-flex-item-align:baseline;align-self:baseline;} .GsIYO a:first-child{margin-right:0px;margin-bottom:8px;} @media (min-width:672px){.GsIYO a:first-child{margin-right:16px;}} @media (max-width:480px){.GsIYO a{width:100%;}} @media (min-width:672px){.GsIYO{-webkit-flex-direction:row;-ms-flex-direction:row;flex-direction:row;}.GsIYO #custom-download-btn-2,.GsIYO #custom-lh-download-btn-1,.GsIYO #custom-lh-download-btn-2{width:22rem;}} .GsIYO .cds--btn{margin-right:0px;height:52px;} @media (min-width:672px){.GsIYO .cds--btn{margin-right:16px;}} /* sc-component-id: CEOGuideLeadSpace__SevenBetsVideo-sc-bbee2697-13 */ .cHWiQR{position:absolute;left:0;top:-2rem;width:100%;object-fit:cover;height:100%;display:none;} @media (min-width:1056px){.cHWiQR{display:block;}} /* sc-component-id: CEOGuideLeadSpace__SevenBetsTablet-sc-bbee2697-14 */ .cBwAsI{position:absolute;left:0;top:0;width:100%;object-fit:cover;height:100%;display:none;} @media (min-width:672px){.cBwAsI{display:block;}} @media (min-width:1056px){.cBwAsI{display:none;}} /* sc-component-id: CEOGuideLeadSpace__SevenBetsVideoMobile-sc-bbee2697-15 */ .jfOfqw{position:absolute;left:0;top:0;width:100%;object-fit:cover;height:100%;} @media (min-width:672px){.jfOfqw{display:none;}} /* sc-component-id: CEOGuideLeadSpace__Container-sc-bbee2697-16 */ .eCtqUw{margin-right:0;margin-left:0;padding-left:16px;padding-right:16px;max-width:unset;} /* sc-component-id: ReportListNew__ReportCardDiv-sc-8fc6321a-0 */ .eguagN{background:#f3f3f3;max-width:33.2%;-webkit-flex-basis:33.2%;-ms-flex-preferred-size:33.2%;flex-basis:33.2%;margin-right:calc(0.05%);} .eguagN:hover{background:#e5e5e5;} /* sc-component-id: ReportListNew__PaginationTitle-sc-8fc6321a-1 */ .hjAXdI{font-family:IBM Plex Sans,'Helvetica Neue',Arial,sans-serif;font-weight:400;font-size:28px;color:#161616;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:40px;margin-left:14px;margin-right:50px;}.iMSlGY{font-family:IBM Plex Sans,'Helvetica Neue',Arial,sans-serif;font-weight:400;font-size:1.75rem;color:#161616;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:40px;margin-left:14px;margin-right:50px;}.bXMioM{font-family:IBM Plex Sans,'Helvetica Neue',Arial,sans-serif;font-weight:300;font-size:32px;color:#161616;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:40px;margin-left:14px;margin-right:50px;} /* sc-component-id: ReportListNew__ReportListDiv-sc-8fc6321a-2 */ .APxSH{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:row;-ms-flex-direction:row;flex-direction:row;-webkit-flex-wrap:wrap;-ms-flex-wrap:wrap;flex-wrap:wrap;} /* sc-component-id: MoreContent-styled__TextContainer-sc-49e9353e-0 */ .dJHshO{font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-size:0.875rem;font-style:normal;font-weight:400;line-height:1.25rem;color:#525252;padding-left:0;padding-right:0;} /* sc-component-id: BookmarkShareAssetAuthor-styled__AssetWrapper-sc-4b93c024-0 */ @media (min-width:672px) and (max-width:1055px){.fIAOBi{display:inline-block;width:50%;padding-right:1.5rem;}} /* sc-component-id: BookmarkShareAssetAuthor-styled__AuthorsP-sc-4b93c024-1 */ .iigpmj{font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-weight:600;font-size:1rem;color:#3d3d3d;-webkit-letter-spacing:0.01rem;-moz-letter-spacing:0.01rem;-ms-letter-spacing:0.01rem;letter-spacing:0.01rem;line-height:1.125rem;margin-bottom:0.5rem;} /* sc-component-id: BookmarkShareAssetAuthor-styled__AuthorWrapper-sc-4b93c024-2 */ .eXftwI .ibm-type-b{max-width:unset;} /* sc-component-id: BookmarkShareAssetAuthor-styled__CardTitle-sc-4b93c024-3 */ .WAWjx{font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-size:0.875rem;font-style:normal;font-weight:400;line-height:1.25rem;color:#262626;font-weight:600;} /* sc-component-id: BookmarkShareAssetAuthor-styled__CardWrapper-sc-4b93c024-4 */ @media (min-width:672px) and (max-width:1055px){.jVyJll{display:inline-block;width:50%;padding-right:1.5rem;}} @media (max-width:671px){.jVyJll{padding-bottom:0.75rem;}} /* sc-component-id: BookmarkShareAssetAuthor-styled__ContainerWrapper-sc-4b93c024-5 */ @media (max-width:1055px){.hojLuY{display:none;}} @media (min-width:1056px){}@media (max-width:1055px){} @media (min-width:1056px){} /* sc-component-id: BookmarkShareAssetAuthor-styled__ContentWrapper-sc-4b93c024-6 */ .bOOIev{margin-bottom:1.5rem;} @media (min-width:672px) and (max-width:1055px){.bOOIev{display:-webkit-inline-box;display:-webkit-inline-flex;display:-ms-inline-flexbox;display:inline-flex;}} /* sc-component-id: BookmarkShareAssetAuthor-styled__DownloadTranslationWrapperDiv-sc-4b93c024-7 */ .hvliWd{margin-top:0.313rem;} .hvliWd #TranslationTitle_Id{color:#161616 !important;} /* sc-component-id: BookmarkShareAssetAuthor-styled__Insight-sc-4b93c024-8 */ .eyzUan .button-primary,.eyzUan .button-secondary,.eyzUan .button-secondary-rebrand{width:100%;} .eyzUan .icon-arrow{margin-right:0;margin-left:auto;} .eyzUan .button-group{margin-bottom:-1.5rem;} @media (min-width:672px) and (max-width:1055px){.eyzUan{display:inline-block;width:50%;padding-top:0.5rem;padding-left:1.5rem;border-left:0.063rem solid #e0e0e0;}} /* sc-component-id: BookmarkShareAssetAuthor-styled__InsightText-sc-4b93c024-9 */ .oHuWa{font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-size:0.875rem;font-style:normal;font-weight:400;line-height:1.25rem;} /* sc-component-id: BookmarkShareAssetAuthor-styled__LinkCard-sc-4b93c024-10 */ .gMCRPl{display:inline-block;position:relative;width:100%;height:10.9375rem;max-height:11rem;background-color:#e5f6ff;padding:1.5rem;margin-bottom:0rem;cursor:pointer;} .gMCRPl:hover{-webkit-filter:brightness(95%);} @media (min-width:1056px){.gMCRPl{margin-bottom:1.5rem;}}.bSLinf{display:inline-block;position:relative;width:100%;height:10.9375rem;max-height:11rem;background-color:#000000;padding:1.5rem;margin-bottom:0rem;cursor:pointer;} .bSLinf:hover{-webkit-filter:brightness(95%);} @media (min-width:1056px){.bSLinf{margin-bottom:1.5rem;}} /* sc-component-id: BookmarkShareAssetAuthor-styled__LinkCardArrow-sc-4b93c024-11 */ .fdUmKx{height:0.938rem;width:1.125rem;} /* sc-component-id: BookmarkShareAssetAuthor-styled__LinkCardContainer-sc-4b93c024-12 */ .ddIoFz{position:relative;z-index:1;} /* sc-component-id: BookmarkShareAssetAuthor-styled__LinkCardDate-sc-4b93c024-13 */ .iqdWVk{font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-size:0.875rem;font-style:normal;font-weight:400;line-height:1.25rem;font-weight:600;color:#000;}.gTNNbI{font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-size:0.875rem;font-style:normal;font-weight:400;line-height:1.25rem;font-weight:600;color:#0f62fe;} /* sc-component-id: BookmarkShareAssetAuthor-styled__LinkCardIcon-sc-4b93c024-14 */ .bfIfEo{margin-top:1.5rem;height:1.5rem;width:1.5rem;} /* sc-component-id: BookmarkShareAssetAuthor-styled__LinkCardTitle-sc-4b93c024-15 */ .iTPlZd{color:#000;padding-top:0.25rem;font-weight:400;font-size:1.25rem;line-height:1.5rem;width:60%;}.cgiAMr{color:#000000;padding-top:0.25rem;font-weight:400;font-size:1.25rem;line-height:1.5rem;width:90%;} /* sc-component-id: BookmarkShareAssetAuthor-styled__MainWrapper-sc-4b93c024-16 */ .dyENlv{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;} @media (min-width:1056px){.dyENlv{padding-left:0rem;padding-right:0rem;max-width:100%;}} /* sc-component-id: TopicsDropdown-styled__DropdownWrapper-sc-bbdce357-2 */ .jCzcTJ{margin-bottom:1rem;display:none;} @media (min-width:1056px){.jCzcTJ{display:block;}} .jCzcTJ .cds--dropdown{outline:0.125rem solid transparent;outline-offset:-0.125rem;position:relative;display:block;width:100%;color:#161616;list-style:none;border:none;border-bottom:0.0625rem solid #8d8d8d;outline:0.125rem solid transparent;cursor:pointer;-webkit-transition:background-color 70ms cubic-bezier(0.2,0,0.38,0.9);transition:background-color 70ms cubic-bezier(0.2,0,0.38,0.9);} .jCzcTJ .cds--dropdown .cds--list-box__menu{padding-bottom:0;} .jCzcTJ .cds--dropdown .cds--dropdown-list{left:0;top:2.1875rem;} .jCzcTJ .cds--dropdown ul > li{padding-left:0;padding-top:0;} .jCzcTJ .cds--dropdown ul > li::before{content:none !important;} .jCzcTJ .cds--dropdown--open .cds--dropdown-list{border:0.0625rem solid #0f62fe;} .jCzcTJ .cds--list-box__menu > .cds--list-box__menu-item > .cds--list-box__menu-item__option{font-size:0.75rem;padding-right:unset;} .jCzcTJ .cds--dropdown-text{font-weight:400;line-height:1.29;-webkit-letter-spacing:0.01rem;-moz-letter-spacing:0.01rem;-ms-letter-spacing:0.01rem;letter-spacing:0.01rem;overflow:hidden;white-space:nowrap;text-overflow:ellipsis;-webkit-user-select:none;-moz-user-select:none;-ms-user-select:none;-webkit-user-select:none;-moz-user-select:none;-ms-user-select:none;user-select:none;} .jCzcTJ .cds--dropdown .cds--dropdown--open:focus{border:none;} .jCzcTJ .cds--dropdown:focus{border:0.125rem solid #0f62fe;} /* sc-component-id: Overview-styled__LeftSideTextDesktopContainer-sc-3b213dc1-0 */ .fuWwfW{display:none;} @media (min-width:1056px){.fuWwfW{display:inline;}} /* sc-component-id: Overview-styled__LeftSideTextTabletContainer-sc-3b213dc1-1 */ .cslofi{display:none;} @media (min-width:672px){.cslofi{display:block;}} @media (min-width:1056px){.cslofi{display:none;}} /* sc-component-id: Overview-styled__LeftSideTextMobileContainer-sc-3b213dc1-2 */ .iofLLO{display:none;margin-bottom:-4rem;} .iofLLO #SectionAccordion_1{margin-top:0;} .iofLLO #SectionAccordion_1 button{padding-left:1.25rem;} .iofLLO #SectionAccordion_1 svg{margin-right:2rem;} .iofLLO #SectionAccordion_1 ul li{margin-right:1.25rem;} @media (min-width:672px){.iofLLO{display:none;}} /* sc-component-id: Overview-styled__SubheadingDiv-sc-3b213dc1-4 */ .iWuNyL{font-size:1.75rem;color:#0072C3;font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-weight:300;line-height:2.25rem;padding-bottom:2rem;} @media (min-width:672px){.iWuNyL{font-size:2.5rem;line-height:3rem;font-weight:300;}}.iWhfKs{font-size:1.75rem;color:#198038;font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-weight:300;line-height:2.25rem;padding-bottom:2rem;} @media (min-width:672px){.iWhfKs{font-size:2.5rem;line-height:3rem;font-weight:300;}}.lfgmND{font-size:1.75rem;color:#0f62fe;font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-weight:300;line-height:2.25rem;padding-bottom:2rem;} @media (min-width:672px){.lfgmND{font-size:2.5rem;line-height:3rem;font-weight:300;}}.ikEGma{font-size:1.75rem;color:#262626;font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-weight:300;line-height:2.25rem;padding-bottom:2rem;} @media (min-width:672px){.ikEGma{font-size:2.5rem;line-height:3rem;font-weight:300;}}.ckkVLx{font-size:1.75rem;color:8a3ffc;font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-weight:300;line-height:2.25rem;padding-bottom:2rem;} @media (min-width:672px){.ckkVLx{font-size:2.5rem;line-height:3rem;font-weight:300;}}.dRNTna{font-size:1.75rem;color:#8A3FFC;font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-weight:300;line-height:2.25rem;padding-bottom:2rem;} @media (min-width:672px){.dRNTna{font-size:2.5rem;line-height:3rem;font-weight:300;}}.iqBcBX{font-size:1.75rem;color:#0F62FE;font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-weight:300;line-height:2.25rem;padding-bottom:2rem;} @media (min-width:672px){.iqBcBX{font-size:2.5rem;line-height:3rem;font-weight:300;}} /* sc-component-id: Overview-styled__BookmarkShareAssetAuthorWrapper-sc-3b213dc1-7 */ .fPkENM{padding-top:0;} @media (min-width:1056px){.fPkENM{padding-top:0;}}.fstNNE{padding-top:2rem;} @media (min-width:1056px){.fstNNE{padding-top:0;}} /* sc-component-id: Overview-styled__Divider-sc-3b213dc1-8 */ .bJeDVY{display:none;border-top:0.0625rem solid #e0e0e0;margin:2rem 0;} @media (min-width:672px){} @media (min-width:1056px){.bJeDVY{display:none;}} /* sc-component-id: SectionTextWithImage-styled__MainDiv-sc-bbd80b9d-3 */ .lcmFsQ{padding-top:2.5rem;} .lcmFsQ ul.wyntk{padding:0.5rem 0;} .lcmFsQ li.wyntk::before{-webkit-transform:scale(0.8);-ms-transform:scale(0.8);transform:scale(0.8);color:#000000;} .lcmFsQ .subHeadingCol{display:none;} .lcmFsQ .what-you-need{margin-right:1rem;} @media (min-width:672px){.lcmFsQ .subHeadingCol{display:block;}.lcmFsQ .what-you-need{margin-right:unset;}} @media (min-width:1056px){.lcmFsQ .subHeadingCol{display:none;}} /* sc-component-id: SectionTextWithImage-styled__TitleDiv-sc-bbd80b9d-4 */ .ypCZY{font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-size:0.875rem;font-style:normal;font-weight:400;line-height:1.25rem;font-size:2.5rem;font-weight:300;line-height:3rem;padding-bottom:1rem;padding-bottom:3rem;} @media (min-width:672px){.ypCZY{font-size:4rem;line-height:4.5rem;}} @media (min-width:1056px){.ypCZY{font-size:40px;line-height:48px;width:75%;}}.bTHigz{font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-size:0.875rem;font-style:normal;font-weight:400;line-height:1.25rem;font-size:2.5rem;font-weight:300;line-height:3rem;padding-bottom:1rem;padding-bottom:3rem;} @media (min-width:672px){.bTHigz{font-size:4rem;line-height:4.5rem;}} @media (min-width:1056px){.bTHigz{font-size:2.5rem;line-height:3rem;width:75%;}} /* sc-component-id: SectionTextWithImage-styled__SubheadingText-sc-bbd80b9d-5 */ .nwAIe{font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-size:0.875rem;font-style:normal;font-weight:400;line-height:1.25rem;font-size:1.75rem;line-height:1.75rem;color:#8a3ffc;padding-bottom:1.5rem;} /* sc-component-id: SectionIBMHelp-styled__ConnectDiv-sc-c3ddcc24-0 */ .jGQsIQ{padding-top:4rem;} @media (max-width:1055px){.jGQsIQ{padding-top:0;margin-left:0;margin-right:0;}} /* sc-component-id: SectionIBMHelp-styled__SectionTitleDiv-sc-c3ddcc24-1 */ .cGbzVr{font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-size:0.875rem;font-style:normal;font-weight:400;line-height:1.25rem;font-size:1.75rem;color:#161616;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:2.25rem;padding-left:1rem;} /* sc-component-id: SectionIBMHelp-styled__CardSpaces-sc-c3ddcc24-2 */ @media (min-width:1056px){.fKouGr{display:none;}} /* sc-component-id: SectionIBMHelp-styled__MLinkCardContainer-sc-c3ddcc24-3 */ @media (max-width:671px){.kmeUDA{border-bottom:0.0625rem solid #d1d1d1;}} /* sc-component-id: SectionMobileNavigation-styled__Navigation-sc-b48b495-0 */ .eDybnY{position:fixed;z-index:100;color:#ffffff;width:100%;vertical-align:middle;} @media (min-width:1056px){.eDybnY{display:none;}} /* sc-component-id: SectionMobileNavigation-styled__NavigationButton-sc-b48b495-1 */ .jhABox{min-height:2.5rem;min-width:100%;font-size:1rem;} /* sc-component-id: WhatYouNeedToDo-styled__Wrapper-sc-db0bbb1f-0 */ .jPUNTT #creativityNeedTo-container{margin-bottom:4rem;} @media (max-width:1584px){.jPUNTT #creativityNeedTo-container{margin-bottom:2rem;}} /* sc-component-id: WhatYouNeedToDo-styled__ListWrapper-sc-db0bbb1f-1 */ .RpkmS{font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-size:0.875rem;font-style:normal;font-weight:400;line-height:1.25rem;font-size:1rem;line-height:1.5rem;padding:0 0 0.9375rem;} /* sc-component-id: WhatYouNeedToDo-styled__Subtitle-sc-db0bbb1f-3 */ .fYzFjG{font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-size:0.875rem;font-style:normal;font-weight:400;line-height:1.25rem;font-size:4rem;font-weight:300;line-height:4.5rem;color:#262626;padding-bottom:3rem;} @media (min-width:1056px){.fYzFjG{font-size:40px;line-height:48px;}} @media (max-width:671px){.fYzFjG{font-size:2.5rem;font-weight:300;line-height:3rem;}} /* sc-component-id: WhatYouNeedToDo-styled__Title-sc-db0bbb1f-4 */ .lkFLBG{font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-size:0.875rem;font-style:normal;font-weight:400;line-height:1.25rem;font-size:1.75rem;line-height:2.25rem;padding-bottom:1.5rem;color:#8a3ffc;} /* sc-component-id: WhatYouNeedToDo-styled__BodyText-sc-db0bbb1f-5 */ .hYmzkq{font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-size:0.875rem;font-style:normal;font-weight:400;line-height:1.25rem;font-size:1rem;line-height:1.5rem;} /* sc-component-id: WhatYouNeedToDo-styled__Container-sc-db0bbb1f-7 */ .cVOwCV{margin-bottom:4rem;} @media (min-width:672px){.cVOwCV{margin-bottom:6rem;}} /* sc-component-id: WhatYouNeedToDo-styled__TextWrapper-sc-db0bbb1f-8 */ .brHhsl{padding-top:3.063rem;} @media (min-width:1584px){.brHhsl{padding-top:5.312rem;}} /* sc-component-id: FeatureReportNew__ContainerDiv-sc-e152f86d-0 */ @media (max-width:671px){.kbnObV{margin-left:0;margin-right:0;padding-top:25px !important;padding-bottom:unset !important;}} .kbnObV a{outline:none;} /* sc-component-id: FeatureReportNew__FeaturedTitle-sc-e152f86d-1 */ .hrojcS{font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-weight:300;font-size:32px;color:#161616;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:40px;margin-left:14px;display:block;} @media (max-width:1055px){.hrojcS{width:unset;margin-bottom:26px;margin-left:28px;}} @media (max-width:671px){.hrojcS{width:unset;margin-bottom:16px;margin-left:16px;}} /* sc-component-id: FeatureReportNew__ReportCardOuterDiv-sc-e152f86d-2 */ .iRmjXW{height:100%;} @media (max-width:671px){.iRmjXW{padding-top:0px;}} /* sc-component-id: FeatureReportNew__BIGScreenPlaceholderDiv-sc-e152f86d-3 */ @media (max-width:1055px){.bsdOvW{display:none;}} /* sc-component-id: CategoryNavigationMenuDesktop__CategoryNavDiv-sc-9c53a7d7-0 */ .glkjxb{background:#f4f4f4;height:55px;box-shadow:0 2px 6px 0 rgba(0,0,0,0.3);} /* sc-component-id: CategoryNavigationMenuDesktop__CategoryNavContainerDiv-sc-9c53a7d7-1 */ .cQOBit{height:100%;} /* sc-component-id: CategoryNavigationMenuDesktop__CategoryNavTitleDiv-sc-9c53a7d7-3 */ .jqLpfR{height:100%;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;font-size:16px;font-weight:600;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:22px;} @media (max-width:1055px){.jqLpfR{display:none;}} /* sc-component-id: CategoryNavigationMenuDesktop__CategoryItemsDiv-sc-9c53a7d7-4 */ .kkOMgS{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:row;-ms-flex-direction:row;flex-direction:row;height:100%;} /* sc-component-id: CategoryNavigationMenuMobile__CategoryMenuDiv-sc-f5bd10a3-0 */ .NRNnD{position:fixed;display:none;top:100px;bottom:50px;z-index:850;width:100%;background-color:#dcdcdc;overflow-y:overlay;} /* sc-component-id: CategoryNavigationMenuMobile__CategoryNavDiv-sc-f5bd10a3-1 */ .dSfqmE{position:fixed;bottom:0;z-index:855;width:100%;box-shadow:0px -2px 6px 0 rgb(0 0 0 / 30%);background-color:#f4f4f4;height:51px;} .dSfqmE:hover{cursor:pointer;} /* sc-component-id: CategoryNavigationMenuMobile__CategoryNavContainerDiv-sc-f5bd10a3-2 */ .eAqWyg{height:100%;} /* sc-component-id: CategoryNavigationMenuMobile__CategoryNavTitleDiv-sc-f5bd10a3-3 */ .kXIpGw{font-size:16px;font-weight:300;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:36px;height:100%;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;padding-left:10%;color:#000;} /* sc-component-id: CategoryNavigationMenuMobile__CategoryNavButtonDiv-sc-f5bd10a3-4 */ .dEyMNm{font-size:12px;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;height:100%;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;color:#000;} @media (max-width:320px){.dEyMNm{margin-left:-10px;}} /* sc-component-id: CategoryNavigationMenuMobile__CategoryItemLi-sc-f5bd10a3-5 */ .JwsdT{padding-left:0;margin-left:19px;} .JwsdT .ibm-show-hide .ibm-container-body ul{line-height:1.625rem;} .JwsdT .ibm-show-hide h2 a{height:46px;outline:0px !important;margin-right:-29px;margin-left:-19px;padding-top:10px;padding-bottom:10px;color:#121212;border-top:unset;font-size:1rem;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;} .JwsdT .ibm-show-hide h2 a.ibm-show-active{background:#0062ff;color:white;} .JwsdT .ibm-show-hide h2 a::before{left:unset !important;right:29px;} .JwsdT .ibm-show-hide h2 a:hover{-webkit-text-decoration:none;text-decoration:none;} .JwsdT .ibm-show-hide ul li.ibm-ind-link{padding-left:10px;} .JwsdT .ibm-show-active a{color:#fff !important;border-color:gray;} .JwsdT .ibm-show-active a::before{left:unset !important;right:0px;border-color:gray;} .JwsdT .ibm-show-active a:hover{color:#fff;-webkit-text-decoration:none;text-decoration:none;} /* sc-component-id: CategoryNavigationMenuMobile__CategoryNavButtonP-sc-f5bd10a3-6 */ .iHFzhH{padding:initial;padding-bottom:unset !important;} .iHFzhH .ibm-anchor-up-link::before{height:30px;border-radius:50%;border:3px solid #d8d8d8;background:#d8d8d8;-webkit-transform:translate(6px,-3px);-ms-transform:translate(6px,-3px);transform:translate(6px,-3px);color:#0062ff;line-height:24px;vertical-align:middle;} .iHFzhH .ibm-anchor-down-link::before{height:30px;border-radius:50%;border:3px solid #d8d8d8;background:#d8d8d8;-webkit-transform:translate(5px,-3px);-ms-transform:translate(5px,-3px);transform:translate(5px,-3px);color:#0062ff;line-height:24px;vertical-align:middle;} /* sc-component-id: CategoryNavigationMenuMobile__CategoryNavButtonAnchor-sc-f5bd10a3-7 */ .csvwoM{color:#000;margin-bottom:5px;} .csvwoM:hover{color:#fff;-webkit-text-decoration:none;text-decoration:none;} /* sc-component-id: CategoryNavigationMenu__DesktopDiv-sc-7266793d-0 */ @media (max-width:1055px){.eMfVGv{display:none;}} /* sc-component-id: CategoryNavigationMenu__MobileDiv-sc-7266793d-1 */ @media (min-width:1055px){.dyhfZq{display:none;}} /* sc-component-id: SectionFeaturedReport__ImageHeaderWrapper-sc-1ab28464-0 */ .kRWTcT{position:relative;} @media (max-width:1055px){.kRWTcT{padding-top:32px;}} @media (max-width:1055px){.kRWTcT div[class^='LeadspaceVideo__HeaderVideoDiv']{position:unset;}} /* sc-component-id: SectionFeaturedReport__HeaderImageDiv-sc-1ab28464-1 */ .cTgHSc{position:relative;overflow:hidden;color:white;width:100%;height:0;padding-top:calc(269 / 480.61 * 100%);} @media (max-width:1055px){.cTgHSc{margin-top:32px;margin-bottom:-32px;}} /* sc-component-id: SectionFeaturedReport__HeaderTitleH1-sc-1ab28464-3 */ .gFgaFF{font-size:calc((54 / 1062) * 100vw);line-height:1.13;color:rgb(22,22,22);-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;padding-bottom:0px;margin-bottom:48px !important;} .gFgaFF span{white-space:nowrap;position:relative;} @media (max-height:810px){.gFgaFF{font-size:calc((54 / 700) * 100vh);}} @media (min-width:1584px){.gFgaFF{font-size:76px;}@media (max-height:810px){.gFgaFF{font-size:calc((54 / 700) * 100vh);}}} @media (max-width:1056px){.gFgaFF{font-size:54px;}} @media (max-width:672px){.gFgaFF{font-size:42px;line-height:50px;}} @media (max-width:440px){.gFgaFF{width:calc(100% - 4rem);}} @media (max-width:320px){.gFgaFF{font-size:42px;line-height:50px;width:288px;}} /* sc-component-id: SectionFeaturedReport__HeaderDescH2-sc-1ab28464-4 */ .gzrvJP{font-size:20px;color:#161616;line-height:26px;} @media (max-width:440px){.gzrvJP{width:calc(100% - 4rem);}} /* sc-component-id: SectionFeaturedReport__LeadspaceButtonsDiv-sc-1ab28464-6 */ .gWwmuL{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:row;-ms-flex-direction:row;flex-direction:row;-webkit-flex-wrap:wrap;-ms-flex-wrap:wrap;flex-wrap:wrap;margin-top:-1rem;} .gWwmuL a{-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;-webkit-align-self:baseline;-ms-flex-item-align:baseline;align-self:baseline;padding:calc(0.875rem - 3px) 39px calc(0.875rem - 3px) 15px;} .gWwmuL a:first-child{margin-right:16px;} .gWwmuL a:not(:first-child){margin-top:16px;} .gWwmuL .cds--skeleton{margin-bottom:1rem;} .gWwmuL .skeleton-button-2{width:70%;} /* sc-component-id: SectionSpotlight__SpotlightContainerDiv-sc-9a2a046e-0 */ .eOxEKF{background-color:#161616;} @media (max-width:671px){.eOxEKF{margin-right:-16px;margin-left:-16px;}} /* sc-component-id: SectionSpotlight__SpotlightImageDiv-sc-9a2a046e-1 */ .lcoCil{position:relative;width:100%;aspect-ratio:4 / 3;} /* sc-component-id: SectionSpotlight__SpotlightTextDiv-sc-9a2a046e-2 */ .jdJttI{width:100%;aspect-ratio:4 / 3;padding-right:32px;padding-left:32px;} @media (max-width:1055px){.jdJttI{aspect-ratio:unset;}} /* sc-component-id: SectionSpotlight__SectionTitleDiv-sc-9a2a046e-3 */ .ezZSRu{font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-size:16px;color:#f4f4f4;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:22px;} /* sc-component-id: SectionSpotlight__SpotlightTitleDiv-sc-9a2a046e-4 */ .iHGxOQ{font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;color:#f4f4f4;font-size:60px;-webkit-letter-spacing:0px;-moz-letter-spacing:0px;-ms-letter-spacing:0px;letter-spacing:0px;line-height:70px;margin-top:20px;width:75%;} @media (max-width:1055px){.iHGxOQ{width:100%;}} @media (max-width:1513px){.iHGxOQ{font-size:48px;line-height:50px;}} @media (max-width:1250px){.iHGxOQ{font-size:38px;line-height:40px;}} @media (max-width:1150px){.iHGxOQ{font-size:32px;line-height:44px;}} @media (max-width:1100px){.iHGxOQ{font-size:32px;line-height:44px;}} @media (max-width:1099px){.iHGxOQ{font-size:30px;line-height:35px;}} @media (max-width:1055px){.iHGxOQ{font-size:60px;line-height:70px;}} /* sc-component-id: SectionSpotlight__SpotlightDescDiv-sc-9a2a046e-5 */ .kMiJUd{font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-size:16px;color:#f4f4f4;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:24px;} /* sc-component-id: SectionSpotlight__SpotlightDesc2Div-sc-9a2a046e-6 */ .fFlhvb{font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-size:16px;color:#f4f4f4;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:24px;color:#f4f4f4;font-size:16px;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:22px;padding-top:32px;padding-bottom:32px;width:75%;} @media (max-width:1055px){.fFlhvb{width:100%;}} @media (max-width:1289px){.fFlhvb{padding-top:16px;font-size:14px;}} @media (max-width:1055px){.fFlhvb{padding-top:32px;}} /* sc-component-id: SectionSpotlight__SpotLightButton-sc-9a2a046e-7 */ .eqyFXM{-webkit-align-self:baseline;-ms-flex-item-align:baseline;align-self:baseline;} /* sc-component-id: BookmarkShareAssetAuthor__AssetWrapper-sc-4d7fd3d0-0 */ @media (min-width:672px){.houxnZ{display:inline-block;width:auto;padding-right:1.5rem;}} @media (min-width:1056px){.houxnZ{display:block;width:auto;padding-right:0;}} /* sc-component-id: BookmarkShareAssetAuthor__AuthorWrapper-sc-4d7fd3d0-2 */ .cymGOR .ibm-type-b{max-width:unset;} /* sc-component-id: BookmarkShareAssetAuthor__CardTitle-sc-4d7fd3d0-3 */ .jqqUn{font-weight:600;font-size:1rem;color:rgb(39,39,39);line-height:1.375rem;margin-bottom:0.5rem;} /* sc-component-id: BookmarkShareAssetAuthor__ContainerWrapper-sc-4d7fd3d0-5 */ @media (min-width:1056px){.fpQhKb{display:none;}} /* sc-component-id: BookmarkShareAssetAuthor__ContentWrapper-sc-4d7fd3d0-6 */ .hfyyBC{margin-bottom:1.5rem;} @media (min-width:672px){.hfyyBC{display:-webkit-inline-box;display:-webkit-inline-flex;display:-ms-inline-flexbox;display:inline-flex;}} @media (min-width:1056px){.hfyyBC{display:block;}} /* sc-component-id: BookmarkShareAssetAuthor__DownloadTranslationWrapperDiv-sc-4d7fd3d0-7 */ .cWEkCg{margin-top:0.313rem;} .cWEkCg #TranslationTitle_Id{color:#161616 !important;} @media (min-width:672px){} /* sc-component-id: BookmarkShareAssetAuthor__Insight-sc-4d7fd3d0-8 */ .vOyPF .button-secondary-rebrand{width:100%;} .vOyPF .icon-arrow{margin-right:0;margin-left:auto;} .vOyPF .button-group{margin-bottom:-1.5rem;} @media (min-width:672px){.vOyPF{display:inline-block;width:50%;padding-top:1.5rem;padding-left:1.5rem;border-left:0.063rem solid #e0e0e0;}} @media (min-width:1056px){.vOyPF{display:block;width:auto;padding-top:0;padding-left:0;border-left:0;}} /* sc-component-id: BookmarkShareAssetAuthor__InsightText-sc-4d7fd3d0-9 */ .itYmhk{font-size:0.875rem;line-height:20px;} /* sc-component-id: BookmarkShareAssetAuthor__MainWrapper-sc-4d7fd3d0-15 */ .iMPNCM{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;position:unset;} @media (min-width:672px){.iMPNCM .divider{display:none;}} @media (min-width:1056px){.iMPNCM .divider{display:block;}} @media (min-width:1056px){.iMPNCM{padding-left:0rem;padding-right:0rem;max-width:100%;}} /* sc-component-id: BookmarkShareAssetAuthor__Spacer-sc-4d7fd3d0-16 */ @media (min-width:1056px){.cyKylx{display:none;}} /* sc-component-id: BookmarkShareAssetAuthor__AssetDownloadTranslationWrapper-sc-4d7fd3d0-17 */ .kxcgie{display:block;width:50%;} /* sc-component-id: Overview-styled__LeftSideTextTabletPreContainer-sc-fd860b93-0 */ @media (min-width:1056px){.ljTXXI{max-width:40%;}} /* sc-component-id: Overview-styled__LeftSideTextDesktopContainer-sc-fd860b93-1 */ .gfOpRV{display:none;} @media (min-width:1056px){.gfOpRV{display:inline;}} /* sc-component-id: Overview-styled__LeftSideTextTabletContainer-sc-fd860b93-2 */ .zsnPX{display:none;} @media (min-width:672px){.zsnPX{display:block;}} @media (min-width:1056px){.zsnPX{display:none;}} /* sc-component-id: Overview-styled__LeftSideTextMobileContainer-sc-fd860b93-3 */ .kLFaSI{display:none;margin-bottom:-4rem;} .kLFaSI #SectionAccordion_1{margin-top:0;} .kLFaSI #SectionAccordion_1 button{padding-left:1.25rem;} .kLFaSI #SectionAccordion_1 svg{margin-right:2rem;} .kLFaSI #SectionAccordion_1 ul li{margin-right:1.25rem;} @media (min-width:672px){.kLFaSI{display:none;}} /* sc-component-id: Overview-styled__SubheadingDiv-sc-fd860b93-5 */ .kOvnw{font-size:1.75rem;color:#8a3ffc;font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-weight:300;line-height:2.25rem;padding-bottom:2rem;} @media (min-width:672px){.kOvnw{font-size:2.5rem;line-height:3rem;font-weight:300;}}.duoyLe{font-size:1.75rem;color:#0f62fe;font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-weight:300;line-height:2.25rem;padding-bottom:2rem;} @media (min-width:672px){.duoyLe{font-size:2.5rem;line-height:3rem;font-weight:300;}} /* sc-component-id: Overview-styled__BookmarkShareAssetAuthorWrapper-sc-fd860b93-8 */ .iemJTM{padding-top:0;} .iemJTM div[class*='button-group_buttons'] a{min-width:unset;} @media (min-width:1056px){.iemJTM{padding-top:0;}} @media (min-width:672px) and (max-width:756px){.iemJTM div[class*='BookmarkShareAssetAuthorstyled__LinkCardIcon']{margin-top:0.5rem;}} @media (min-width:1056px) and (max-width:1061px){.iemJTM div[class*='BookmarkShareAssetAuthorstyled__LinkCardIcon']{margin-top:0.5rem;}} @media (min-width:1073px) and (max-width:1078px){.iemJTM div[class*='BookmarkShareAssetAuthorstyled__LinkCardIcon']{margin-top:0.5rem;}}.iCTgkF{padding-top:2rem;} .iCTgkF div[class*='button-group_buttons'] a{min-width:unset;} @media (min-width:1056px){.iCTgkF{padding-top:0;}} @media (min-width:672px) and (max-width:756px){.iCTgkF div[class*='BookmarkShareAssetAuthorstyled__LinkCardIcon']{margin-top:0.5rem;}} @media (min-width:1056px) and (max-width:1061px){.iCTgkF div[class*='BookmarkShareAssetAuthorstyled__LinkCardIcon']{margin-top:0.5rem;}} @media (min-width:1073px) and (max-width:1078px){.iCTgkF div[class*='BookmarkShareAssetAuthorstyled__LinkCardIcon']{margin-top:0.5rem;}} /* sc-component-id: Overview-styled__Divider-sc-fd860b93-9 */ .iiNoQe{display:none;border-top:0.0625rem solid #e0e0e0;margin:2rem 0;} @media (min-width:672px){} @media (min-width:1056px){.iiNoQe{display:none;}} /* sc-component-id: Overview-styled__Image-sc-fd860b93-10 */ .jkXtoX{width:100%;padding:1.0625rem 0 2rem 0;content:url(/thought-leadership/institute-business-value/publicundefined);} @media (min-width:672px){.jkXtoX{content:url(/thought-leadership/institute-business-value/publicundefined);}} @media (min-width:1056px){.jkXtoX{content:url(/thought-leadership/institute-business-value/publicundefined);}} /* sc-component-id: Accordions__Wrapper-sc-73219cb-2 */ .dyWWNE{padding-top:20px;} /* sc-component-id: Accordions__Container-sc-73219cb-3 */ .fsZJpF{padding-bottom:40px;} /* sc-component-id: Accordions__MiddleContentDiv-sc-73219cb-7 */ .eyKhRo{width:100%;} .eyKhRo div[id*='SectionAccordion_']{border:none;border-top:0.0625rem solid rgb(190,190,190);margin:0;} .eyKhRo div[id*='SectionAccordion_']:first-child{border:none;border-top:0.0625rem solid rgb(190,190,190);} .eyKhRo div[id*='SectionAccordion_']:last-child{border-bottom:0.0625rem solid rgb(190,190,190);} /* sc-component-id: Page-styled__ButtonGroupContainer-sc-844728c3-0 */ .iawTMO{padding-top:1rem;} .iawTMO #custom-download-btn-1,.iawTMO #custom-email-btn-1{width:100%;} @media (min-width:672px){.iawTMO #custom-download-btn-1 i,.iawTMO #custom-email-btn-1 i{margin:auto 0 auto auto;}} .iawTMO .button-primary,.iawTMO .button-secondary,.iawTMO .button-secondary-rebrand,.iawTMO .button-tertiary{-webkit-box-pack:justify;-webkit-justify-content:space-between;-ms-flex-pack:justify;justify-content:space-between;} /* sc-component-id: Page-styled__BookmarkShareAssetAuthorWrapper-sc-844728c3-1 */ .ggijnw{z-index:1;position:relative;margin-top:3rem;} .ggijnw div[class*='button-group_buttons'] a{min-width:unset;} @media (min-width:1056px){.ggijnw{display:none;}} @media (max-width:671px){.ggijnw div[class*='BookmarkShareAssetAuthor__AssetDownloadTranslationWrapper-']{width:100%;}} /* sc-component-id: Page-styled__Divider-sc-844728c3-2 */ .cOsjdg{border-top:0.0625rem solid #c6c6c6;background-color:#f6f2ff;} @media (min-width:1056px){.cOsjdg{margin:0 3rem;}} /* sc-component-id: Page-styled__DividerWrapper-sc-844728c3-3 */ @media (min-width:1056px){.dzSrdw{display:none;}} /* sc-component-id: Page-styled__DividerText-sc-844728c3-4 */ .eGJYut{font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-size:0.875rem;font-style:normal;font-weight:400;line-height:1.25rem;font-size:1.75rem;line-height:2.25rem;color:#000000;} /* sc-component-id: Page-styled__DividerTextWrapper-sc-844728c3-5 */ .LTxDG{padding:3rem 0;} /* sc-component-id: Page-styled__DesktopReportListWrapperDiv-sc-844728c3-6 */ .kSocmt{display:none;} @media (min-width:1056px){.kSocmt{display:block;}} /* sc-component-id: Page-styled__MobileReportListWrapperDiv-sc-844728c3-7 */ @media (min-width:1056px){.jllliv{display:none;}} .jllliv .ibm-grid-container{margin-left:0;margin-right:0;} /* sc-component-id: Page-styled__ShareBookMarkContainer-sc-844728c3-8 */ @media (min-width:1055px){.bCwkwL{padding:0 !important;}} /* sc-component-id: SectionIBMHelp-styled__ConnectDiv-sc-51323e23-0 */ .hzswwf{padding-top:4rem;} @media (max-width:1055px){.hzswwf{padding-top:0;margin-left:0;margin-right:0;}} /* sc-component-id: SectionIBMHelp-styled__SectionTitleDiv-sc-51323e23-1 */ .dZzICq{font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-size:0.875rem;font-style:normal;font-weight:400;line-height:1.25rem;font-size:1.75rem;color:#161616;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:2.25rem;padding-left:1rem;} /* sc-component-id: SectionIBMHelp-styled__CardSpaces-sc-51323e23-2 */ @media (min-width:1056px){.gFbshU{display:none;}} /* sc-component-id: SectionIBMHelp-styled__MLinkCardContainer-sc-51323e23-3 */ @media (max-width:671px){.jUPdab{border-bottom:0.0625rem solid #d1d1d1;}} /* sc-component-id: SectionMobileNavigation-styled__Navigation-sc-787ac96-0 */ .imtnvO{position:fixed;z-index:100;color:#ffffff;width:100%;vertical-align:middle;} @media (min-width:1056px){.imtnvO{display:none;}} /* sc-component-id: SectionMobileNavigation-styled__NavigationButton-sc-787ac96-1 */ .iWuVZc{min-height:2.5rem;min-width:100%;font-size:1rem;} /* sc-component-id: WhatYouNeedToDo-styled__Wrapper-sc-e22efa83-3 */ .cvCuPb #creativityNeedTo-container{margin-bottom:4rem;} @media (max-width:1584px){.cvCuPb #creativityNeedTo-container{margin-bottom:2rem;}} /* sc-component-id: WhatYouNeedToDo-styled__ListWrapper-sc-e22efa83-4 */ .hxHDot{font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-size:0.875rem;font-style:normal;font-weight:400;line-height:1.25rem;font-size:1rem;line-height:1.5rem;padding:0 0 0.9375rem;} /* sc-component-id: WhatYouNeedToDo-styled__Subtitle-sc-e22efa83-7 */ .knoOkF{font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-size:0.875rem;font-style:normal;font-weight:400;line-height:1.25rem;font-size:4rem;font-weight:300;line-height:4.5rem;color:#262626;padding-bottom:3rem;} @media (min-width:1056px){.knoOkF{font-size:2.5rem;line-height:3rem;width:75%;}} @media (max-width:671px){.knoOkF{font-size:2.5rem;font-weight:300;line-height:3rem;}}.giIkHO{font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-size:0.875rem;font-style:normal;font-weight:400;line-height:1.25rem;font-size:4rem;font-weight:300;line-height:4.5rem;color:#262626;padding-bottom:3rem;} @media (min-width:1056px){.giIkHO{font-size:40px;line-height:48px;width:75%;}} @media (max-width:671px){.giIkHO{font-size:2.5rem;font-weight:300;line-height:3rem;}} /* sc-component-id: WhatYouNeedToDo-styled__Title-sc-e22efa83-8 */ .kCSZaf{font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-size:0.875rem;font-style:normal;font-weight:400;line-height:1.25rem;font-size:1.75rem;line-height:2.25rem;padding-bottom:1.5rem;color:#8a3ffc;} /* sc-component-id: WhatYouNeedToDo-styled__BodyText-sc-e22efa83-9 */ .eavzUY{font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-size:0.875rem;font-style:normal;font-weight:400;line-height:1.25rem;font-size:1rem;line-height:1.5rem;padding-bottom:30px;} /* sc-component-id: WhatYouNeedToDo-styled__Container-sc-e22efa83-11 */ .ghSOla{margin-bottom:4rem;} @media (min-width:672px){.ghSOla{margin-bottom:6rem;}}.cZJeB{margin-bottom:0;} @media (min-width:672px){.cZJeB{margin-bottom:0;}} /* sc-component-id: WhatYouNeedToDo-styled__TextWrapper-sc-e22efa83-12 */ .djNXwL{padding-top:3.063rem;} @media (min-width:1584px){.djNXwL{padding-top:5.312rem;}} /* sc-component-id: SectionWithAccordion-styled__TitleDiv-sc-cce04492-0 */ .fUvoiu{font-size:3.375rem;line-height:4rem;font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;color:#6929c4;font-weight:300;} @media (max-width:671px){.fUvoiu{font-size:2rem;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:2.5rem;}} /* sc-component-id: SectionWithAccordion-styled__MiddleContentDiv-sc-cce04492-4 */ .jeRFxx{width:100%;} .jeRFxx div[id*='SectionWhatWereSeeingAccordion_']:last-child{border-bottom:0.0625rem solid rgb(190,190,190);} /* sc-component-id: ExternalUserContent__ContentDiv-sc-8d4dd46f-0 */ .coXACx{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;} .coXACx .UIWrapperEditIconContainer{right:-1.75rem;top:-0.5rem;} .coXACx .ibm-type-c{font-size:16px;max-width:100%;line-height:24px;margin-bottom:unset;} .coXACx ul .ibm-type-c{padding-bottom:0px;} .coXACx .ibm-type-f{font-weight:600;font-size:16px;line-height:24px;margin-bottom:0;padding:0 0 0 0;} .coXACx ul > li{color:#161616;padding-left:1.8em;padding-top:0px;} .coXACx ul > li::before{color:black;content:'⁃';font-size:1.2rem;} /* sc-component-id: ExternalUserContent__StyledUl-sc-8d4dd46f-2 */ .jJHVTr{display:initial;-webkit-flex-direction:initial;-ms-flex-direction:initial;flex-direction:initial;} /* sc-component-id: NavigationMenuDesktop-styled__MainDiv-sc-f8879bba-0 */ .iBSbFg{z-index:1;width:12rem;position:fixed;top:64px;margin-left:-1rem;font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;display:none;} @media (min-width:1056px){.iBSbFg{display:none;}} /* sc-component-id: NavigationMenuDesktop-styled__MenuDiv-sc-f8879bba-1 */ .kOWgZw{padding-top:2.5rem;padding-bottom:2.5rem;padding-left:1rem;display:none;} /* sc-component-id: SectionWhoWeAre__MainDiv-sc-4e860412-0 */ .iAjujA .UIWrapperEditIconContainer{right:-1.75rem;top:-1.2rem;} /* sc-component-id: SectionWhoWeAre__SectionTitleDiv-sc-4e860412-1 */ .xlCbE{color:#161616;font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-size:32px;font-weight:300;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:40px;display:block;} @media (max-width:1055px){.xlCbE{width:unset;margin-top:-16px;padding-bottom:16px;}} @media (max-width:671px){.xlCbE{font-size:28px;line-height:36px;}} /* sc-component-id: SectionWhoWeAre__SubtitleSpan-sc-4e860412-2 */ .ewbwow{font-size:16px;color:#161616;font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;-webkit-letter-spacing:0px;-moz-letter-spacing:0px;-ms-letter-spacing:0px;letter-spacing:0px;line-height:24px;} /* sc-component-id: SectionWhoWeAre__TextUl-sc-4e860412-3 */ .hEOLdi{font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-size:16px;display:initial;-webkit-flex-direction:initial;-ms-flex-direction:initial;flex-direction:initial;} .hEOLdi > li{color:#161616;padding-left:1.8em;padding-top:0px;} .hEOLdi > li::before{color:black;content:'⁃';font-size:1.2rem;} /* sc-component-id: SectionWhoWeAre__TextOl-sc-4e860412-4 */ .ijIZtO{font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-size:16px;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;} .ijIZtO > li{color:#161616;padding-left:1.8em;padding-top:0px;} .ijIZtO > li::before{color:black;font-size:1.2rem;} /* sc-component-id: SectionWhoWeAre__SubtitleDiv-sc-4e860412-5 */ .kXoGDt{color:#161616;font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-size:16px;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:24px;font-weight:600;} /* sc-component-id: SectionWhoWeAre__StyledH2-sc-4e860412-6 */ .DIJaP{line-height:initial;} /* sc-component-id: AccordionBottomLine__MainDiv-sc-66367a64-0 */ .htOgIN * > a{cursor:pointer;} /* sc-component-id: AccordionBottomLine__AccordionOuterDiv-sc-66367a64-1 */ .csLIey ul{padding-bottom:0px;} .csLIey ul li{padding-left:unset;} .csLIey ul li::before{content:unset;} .csLIey .cds--accordion__item{margin-left:-12px;margin-right:-12px;border-top:1px solid rgb(190,190,190);} .csLIey .cds--accordion__item:last-child{border-bottom:none;} .csLIey .cds--accordion__item .cds--accordion__heading{display:none;} /* sc-component-id: W3UserContent__W3ContentSkeletonContainer-sc-8bd9c657-0 */ .fwZVWu{margin:1rem 2rem;} @media (min-width:1055px){.fwZVWu{width:50%;margin:1rem auto;}} /* sc-component-id: category-styled__LeadSpaceWrapper-sc-8b53974a-0 */ @media (min-width:1056px){.feNoHu .leadspace-header-image-div{padding-top:calc(226 / 480.61 * 100%);}} /* sc-component-id: ReportListNewforCategory__ReportCardDiv-sc-a7f4b3db-0 */ .dTcxIS{background:#f3f3f3;max-width:33.2%;-webkit-flex-basis:33.2%;-ms-flex-preferred-size:33.2%;flex-basis:33.2%;margin-right:calc(0.05%);} .dTcxIS:hover{background:#e5e5e5;} /* sc-component-id: ReportListNewforCategory__PaginationTitle-sc-a7f4b3db-1 */ .iJqusd{font-family:IBM Plex Sans,'Helvetica Neue',Arial,sans-serif;font-weight:300;font-size:32px;color:#161616;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:40px;margin-left:14px;margin-right:50px;padding-top:85px;} /* sc-component-id: ReportListNewforCategory__ReportListDiv-sc-a7f4b3db-2 */ .bhGHqZ{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:row;-ms-flex-direction:row;flex-direction:row;-webkit-flex-wrap:wrap;-ms-flex-wrap:wrap;flex-wrap:wrap;} /* sc-component-id: ReportListNewforCategory__PaginationNavWrapperDiv-sc-a7f4b3db-3 */ .eLGtyu ul > li::before{content:unset;} .eLGtyu nav ul{padding:0 0 15px;} /* sc-component-id: ChatFrame-styled__ChatFrameWrapper-sc-15487908-0 */ .gSFUnE{border:0px;background-color:transparent;z-index:999;position:fixed;bottom:25px;overflow:hidden;opacity:1;max-width:100%;right:0px;max-height:100%;} /* sc-component-id: ChatFrame-styled__ChatFrame-sc-15487908-2 */ .fytBdH{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;-webkit-align-items:flex-end;-webkit-box-align:flex-end;-ms-flex-align:flex-end;align-items:flex-end;height:100%;max-height:100%;margin:20px;} /* sc-component-id: ChatFrame-styled__ChatFrameCustom-sc-15487908-3 */ .bCHEHl{-webkit-user-select:none;-moz-user-select:none;-ms-user-select:none;user-select:none;max-width:100%;height:100%;padding:0 12px;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;-webkit-box-pack:end;-webkit-justify-content:end;-ms-flex-pack:end;justify-content:end;gap:10px;} .bCHEHl .react-chat-close-icon{width:20px;height:20px;cursor:pointer;} .bCHEHl .cds--slug{pointer-events:none;} /* sc-component-id: ChatFrame-styled__ChatFrameIconContainer-sc-15487908-4 */ .eOuukG{width:60px;height:60px;border-radius:25%;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;box-shadow:0 0 50px 0 rgba(0,0,0,0.06);overflow:hidden;margin:20px 0px 0px 20px;-webkit-transition:all 0.3s;transition:all 0.3s;pointer-events:all;cursor:pointer;background:rgb(0,108,255);fill:white;} .eOuukG svg{margin:0 auto;display:block;fill:#fff;} .eOuukG svg:hover{opacity:0.8 !important;} /* sc-component-id: LoginW3Modal-styled__StyledModal-sc-9ebb05c-0 */ .VFiCM{max-width:560px;} @media (max-width:672px){.VFiCM{margin:0 !important;}} /* sc-component-id: LoginW3Modal-styled__W3LoginLink-sc-9ebb05c-1 */ .dTJQKO{background-color:#0062ff !important;border-color:#0062ff !important;outline-color:#0062ff !important;border:1px solid;margin-top:30px;margin-left:3px;min-width:160px;outline:solid 1px;text-align:left;color:#fff;cursor:pointer;box-sizing:border-box;font-size:16px;line-height:20px;max-width:100%;min-width:120px;min-height:20px;padding:11px 18px;text-align:left;-webkit-text-decoration:none;text-decoration:none;-webkit-transition:border 0.3s,color 0.3s,background-color 0.3s;transition:border 0.3s,color 0.3s,background-color 0.3s;white-space:normal;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-box-pack:justify;-webkit-justify-content:space-between;-ms-flex-pack:justify;justify-content:space-between;width:247px;height:48px;} .dTJQKO:hover{background-color:#0354e9 !important;border-color:#0354e9 !important;outline-color:#0354e9 !important;-webkit-text-decoration:none;text-decoration:none;} .dTJQKO > i{height:24px;width:24px;display:inline-block;margin-left:20px;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;} .dTJQKO > i > img{width:19px;height:16px;} /* sc-component-id: LoginW3Modal-styled__LoginW3ModalHead-sc-9ebb05c-2 */ .dlxQCO{background-color:#565656;padding:12px 24px;color:white;font-family:IBM Plex Sans;font-size:28px;font-style:normal;font-weight:400;line-height:36px;} /* sc-component-id: LoginW3Modal-styled__LoginModalMainSection-sc-9ebb05c-3 */ .eWatHo{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex:1 1 280px;-ms-flex:1 1 280px;flex:1 1 280px;padding:24px;font-family:IBM Plex Sans;background-color:white;} /* sc-component-id: LoginW3Modal-styled__LoginModalW3LoginSectionStandalone-sc-9ebb05c-4 */ .iUYDIH{width:85%;font-size:16px;position:relative;min-width:280px;} /* sc-component-id: LoginW3Modal-styled__LoginW3ModalSectionCell-sc-9ebb05c-5 */ .kXPnWT{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;-webkit-flex:1 1 50%;-ms-flex:1 1 50%;flex:1 1 50%;cursor:text;padding:0 0;} .kXPnWT:focus{border-width:3px;border-color:#0064ff;color:#0064ff;} /* sc-component-id: LoginW3Modal-styled__LoginW3ModalContent-sc-9ebb05c-6 */ .jkoCA{font-family:'IBM Plex Sans';font-size:16px;font-style:normal;font-weight:400;line-height:22px;} /* sc-component-id: BigCard-styled__Container-sc-f8186f23-0 */ .bwivty{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-flow:row wrap;-ms-flex-flow:row wrap;flex-flow:row wrap;position:relative;} @media (max-width:671px){.bwivty .Think2024CardImage{position:static !important;}.bwivty picture{width:100%;}} @media (min-width:672px){.bwivty{height:500px;}} /* sc-component-id: BigCard-styled__SmallCardWrapper-sc-f8186f23-1 */ .HDAKt{-webkit-flex-basis:100%;-ms-flex-preferred-size:100%;flex-basis:100%;} @media (min-width:672px){.HDAKt{position:absolute;bottom:0;right:0;max-width:23.5rem;}} /* sc-component-id: SmallCard-styled__Container-sc-44582dd-0 */ .joSSHx{font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-style:normal;font-weight:400;background-color:#ffffff;-webkit-flex-basis:100%;-ms-flex-preferred-size:100%;flex-basis:100%;min-height:19.5625rem;outline:0.0625rem solid #a8a8a8;padding:2rem 1.5rem 1.75rem;} .joSSHx .UIWrapperEditIconContainer{top:-1.4rem;right:-1.5rem;} @media (min-width:672px){.joSSHx{-webkit-flex-basis:calc((100% / 3) - 0.0625rem);-ms-flex-preferred-size:calc((100% / 3) - 0.0625rem);flex-basis:calc((100% / 3) - 0.0625rem);min-width:13.9375rem;}} /* sc-component-id: SmallCard-styled__ContentContainer-sc-44582dd-2 */ .kKiECI{padding-bottom:2.625rem;} /* sc-component-id: SmallCard-styled__Eyebrow-sc-44582dd-3 */ .eRrryo{color:#6f6f6f;font-size:0.75rem;line-height:2rem;} /* sc-component-id: SmallCard-styled__Headline-sc-44582dd-4 */ .kxHGMB{color:#262626;font-size:1.5rem;line-height:2rem;padding-bottom:0.75rem;} /* sc-component-id: SmallCard-styled__CallToAction-sc-44582dd-6 */ .THNPl{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;color:#0f62fe;font-size:1rem;line-height:2rem;} /* sc-component-id: SmallCard-styled__StyledArrowRight-sc-44582dd-8 */ .boOayT{margin-left:0.5rem;} /* sc-component-id: LaunchSection-styled__Container-sc-d0cda74b-0 */ .ghefBQ{margin-top:2.5rem;margin-right:0;margin-left:0;} @media (min-width:672px){.ghefBQ{margin-right:1rem;margin-left:1rem;}} @media (min-width:1056px){.ghefBQ{margin-top:4rem;margin-right:auto;margin-left:auto;}} /* sc-component-id: LaunchSection-styled__SectionTitle-sc-d0cda74b-1 */ .gAGmrG{font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-style:normal;font-weight:400;color:#262626;font-size:1.75rem;line-height:2.25rem;margin-bottom:1.25rem;width:100%;} @media (min-width:672px){.gAGmrG{width:65%;margin-bottom:0;}} /* sc-component-id: LaunchSection-styled__ContentContainer-sc-d0cda74b-2 */ .iYMHHQ{padding-right:0;padding-left:0;} @media (min-width:672px){.iYMHHQ #think-2024-big-card-small-card-wrapper{max-width:16rem;}} @media (min-width:1056px){.iYMHHQ #think-2024-big-card-small-card-wrapper{max-width:23.5rem;}} @media (min-width:672px){.iYMHHQ{padding-right:1rem;padding-left:1rem;}} /* sc-component-id: QuoteSection-styled__MainDiv-sc-4e4cc939-0 */ .eoFGVX{padding:2rem 1.5rem 1.75rem;margin:0;} .eoFGVX .QuoteSection__StyledText-quoteText .UIWrapperEditIconContainer{top:-0.8rem;right:-1.4rem;} .eoFGVX .QuoteSection__StyledText-quoteSubtext .UIWrapperEditIconContainer{top:-0.4rem;right:-1.4rem;} @media (min-width:672px){.eoFGVX{padding-top:3rem;padding-bottom:3rem;padding-left:0rem;font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;background-color:unset;}} @media (min-width:1056px){.eoFGVX{padding-right:20%;}} /* sc-component-id: QuoteSection-styled__StyledText-sc-4e4cc939-1 */ .hWowyY{font-family:'IBM Plex Serif','Georgia',Times,serif;font-size:1.75rem;font-weight:300;line-height:2.125rem;text-indent:-0.5em;} @media (min-width:672px){.hWowyY{font-size:2.625rem;line-height:3rem;}} /* sc-component-id: QuoteSection-styled__StyledSubtext-sc-4e4cc939-2 */ .dWKRIV{font-size:0.75rem;font-weight:400;line-height:1.5rem;padding-top:1.5rem;} .dWKRIV > a{-webkit-text-decoration:underline;text-decoration:underline;color:#0f62fe;} /* sc-component-id: QuoteSection-styled__ShareLinkContainer-sc-4e4cc939-3 */ .hQUGFw{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;padding-top:1.1875rem;} @media (min-width:672px){.hQUGFw{padding-top:0.75rem;}} .hQUGFw > svg{color:#0f62fe;} /* sc-component-id: QuoteSection-styled__StyledLinkedInLink-sc-4e4cc939-4 */ .kpKAZv{font-size:1rem;font-weight:400;line-height:2rem;padding-left:0.5rem;text-align:center;} /* sc-component-id: SmallCardList-styled__Container-sc-5d8e3617-0 */ .hDvYPM{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-flow:row wrap;-ms-flex-flow:row wrap;flex-flow:row wrap;gap:0.0625rem;} /* sc-component-id: MoreAboutThink-styled__MarketingLinksWrapper-sc-89d8ba69-0 */ @media (min-width:1056px){.bLqNEr #SectionIbmHelp .marketing-link__desktop > :first-child{margin-right:auto;margin-left:auto;}} .bLqNEr #SectionIbmHelp .marketing-link__title-Desktop{font-size:1.75rem;font-style:normal;font-weight:400;line-height:2.25rem;color:#262626;} @media (min-width:672px){.bLqNEr #SectionIbmHelp .reduce-padding:nth-of-type(2){padding:0 2px 0 16px;}.bLqNEr #SectionIbmHelp .reduce-padding:nth-of-type(3){padding:0 2px 0 2px;}.bLqNEr #SectionIbmHelp .reduce-padding:nth-of-type(4){padding:0 16px 0 2px;}} .bLqNEr #SectionIbmHelp .marketing-link__mobile > :first-child{margin-right:0;margin-left:0;} @media (min-width:672px){.bLqNEr #SectionIbmHelp .marketing-link__mobile > :first-child{margin-right:16px;margin-left:16px;}} .bLqNEr #SectionIbmHelp .marketing-link__mobile > :first-child .marketing-link__title-container .marketing-link__title-mobile{margin-bottom:31px;} .bLqNEr #SectionIbmHelp .marketing-link__mobile > :first-child > :last-child div{padding-bottom:3px;} .bLqNEr #SectionIbmHelp .marketing-link__mobile > :first-child > :last-child div .ibm-rule{display:none;} @media (min-width:672px){.bLqNEr #SectionIbmHelp .marketing-link__mobile > :first-child > :last-child div{padding-bottom:0;}.bLqNEr #SectionIbmHelp .marketing-link__mobile > :first-child > :last-child div .ibm-rule{display:initial;}} /* sc-component-id: MobileNavigation-styled__Navigation-sc-e8c8d14e-0 */ .ghIkQt{color:#ffffff;width:100%;position:fixed;z-index:1000;} .ghIkQt button{background-color:#e5f6ff;border-bottom:0.0625rem solid #78a9ff;border-top:0.0625rem solid #78a9ff;color:#000000;} @media (min-width:1056px){.ghIkQt{display:none;}} /* sc-component-id: MobileNavigation-styled__NavigationButton-sc-e8c8d14e-1 */ .hDVbuk{min-height:2.5rem;min-width:100%;font-size:1rem;} /* sc-component-id: Page-styled__LeadspaceWrapper-sc-b3c4e959-0 */ .kBkVJH{position:relative;} .kBkVJH #basic-leadspace-breadcrumb-wrapper label,.kBkVJH #basic-leadspace-breadcrumb-wrapper span{font-size:1rem;font-weight:400;font-style:normal;line-height:1.5rem;color:#262626;} .kBkVJH #basic-leadspace-breadcrumb-wrapper span{-webkit-text-decoration-line:underline;text-decoration-line:underline;} .kBkVJH #basic-leadspace-text-container{padding-top:2rem;} .kBkVJH #basic-leadspace-text-container .UIWrapperEditIconContainer{top:-1.2rem;right:-1.2rem;} @media (min-width:1056px){.kBkVJH #basic-leadspace-text-container{padding-bottom:1.1875rem;}} .kBkVJH #basic-leadspace-text-container > :first-child{font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-style:normal;font-weight:300;font-size:2.5rem;line-height:3rem;padding-right:0;padding-bottom:2rem;} @media (min-width:672px){.kBkVJH #basic-leadspace-text-container > :first-child{padding-bottom:2.75rem;}} @media (min-width:1056px){.kBkVJH #basic-leadspace-text-container > :first-child{font-size:4rem;line-height:4.5rem;padding-bottom:1.875rem;}} .kBkVJH #basic-leadspace-text-container > :last-child{font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-style:normal;font-weight:400;font-size:1rem;line-height:1.5rem;} .kBkVJH #basic-leadspace-wrapper{padding-bottom:0;} .kBkVJH #basic-leadspace-wrapper #TitleTab-Id > :first-child{margin:2rem 0;} .kBkVJH #basic-leadspace-wrapper #action-button-set{margin-bottom:1rem;} @media (min-width:672px){.kBkVJH #basic-leadspace-wrapper #action-button-set{margin-bottom:2rem;}} @media (min-width:1056px){.kBkVJH #basic-leadspace-wrapper #action-button-set{margin-bottom:3rem;}} .kBkVJH #basic-leadspace-wrapper #action-button-set .ActionButtonGroup__SecondActionButton{background-color:#0f62fe;color:#ffffff;} .kBkVJH #basic-leadspace-wrapper #action-button-set .cds--tooltip-trigger__wrapper button{background-color:#393939;border-color:#393939;} .kBkVJH #basic-leadspace-wrapper #action-button-set .cds--tooltip-trigger__wrapper button svg{color:#ffffff;} .kBkVJH #basic-leadspace-wrapper #action-button-set > :last-child button{background-color:#393939;border-color:#393939;} .kBkVJH #basic-leadspace-wrapper #action-button-set > :last-child button svg{color:#ffffff;} /* sc-component-id: RecommendedSection-styled__Card-sc-f452c24b-0 */ .bEClX{display:-webkit-inline-box;display:-webkit-inline-flex;display:-ms-inline-flexbox;display:inline-flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;-webkit-box-pack:justify;-webkit-justify-content:space-between;-ms-flex-pack:justify;justify-content:space-between;background-color:#f4f4f4;} @media (min-width:672px){.bEClX{width:calc(50% - 0.0938rem);height:100%;}.bEClX:first-child{margin-right:0.0625rem;}.bEClX:last-child{margin-left:0.0625rem;}} /* sc-component-id: RecommendedSection-styled__CardContainer-sc-f452c24b-1 */ .fGdHJA{padding-right:0;padding-left:0;} @media (min-width:672px){.fGdHJA{padding-right:1rem;padding-left:1rem;}} @media (max-width:810px) and (min-width:672px){.fGdHJA{padding-bottom:4rem;}} /* sc-component-id: RecommendedSection-styled__Container-sc-f452c24b-2 */ .iiMKkn{margin-right:0;margin-left:0;} @media (min-width:672px){.iiMKkn{margin-right:1rem;margin-left:1rem;}} @media (min-width:1056px){.iiMKkn{margin-right:auto;margin-left:auto;}} /* sc-component-id: RecommendedSection-styled__ImageContainer-sc-f452c24b-3 */ .jUcWgE{width:100%;height:100%;} @media (min-width:672px){.jUcWgE{max-height:155px;}} @media (min-width:900px){.jUcWgE{max-height:200px;}} @media (min-width:1056px){.jUcWgE{max-height:230px;}} @media (min-width:1400px){.jUcWgE{max-height:250px;}} /* sc-component-id: RecommendedSection-styled__SectionTitleContainer-sc-f452c24b-4 */ .joNmbV{font-size:1.75rem;font-weight:400;line-height:2.25rem;padding-bottom:1.5rem;} @media (max-width:810px) and (min-width:672px){.joNmbV{visibility:hidden;}} /* sc-component-id: RecommendedSection-styled__SmallTabletSectionTitleContainer-sc-f452c24b-5 */ .eopgQt{font-size:1.75rem;font-weight:400;line-height:2.25rem;padding-bottom:1.5rem;} @media (min-width:811px){.eopgQt{display:none;}} @media (max-width:672px){.eopgQt{display:none;}} /* sc-component-id: RecommendedSection-styled__TextContainer-sc-f452c24b-6 */ .idhhoN{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;padding:1.5rem 34% 0rem 1.5rem;} /* sc-component-id: RecommendedSection-styled__TextDescription-sc-f452c24b-7 */ .llxRAC{font-size:1rem;font-weight:400;line-height:1.5rem;} /* sc-component-id: RecommendedSection-styled__TextLink-sc-f452c24b-8 */ .hLPFrO{font-size:1rem;font-weight:400;line-height:2rem;-webkit-text-decoration:none;text-decoration:none;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;cursor:pointer;margin:2.25rem auto 1.5rem 1.5rem;} .hLPFrO svg{margin:auto auto auto 0.5rem;} /* sc-component-id: RecommendedSection-styled__TextTitle-sc-f452c24b-9 */ .lcBEyr{font-size:1.25rem;font-weight:400;line-height:1.75rem;padding-bottom:1.5rem;} /* sc-component-id: RecommendedSection-styled__Wrapper-sc-f452c24b-10 */ .jdFJaB{padding:3rem 0rem;} /* sc-component-id: ExplorePastStudiesTabs__SectionTitleDiv-sc-e8974668-0 */ .dqIsyE{font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-size:1.75rem;font-weight:300;line-height:2.25rem;float:left;color:#161616;margin-bottom:1.5rem;padding-left:0.813rem;padding-right:unset;} @media (min-width:672px){.dqIsyE{color:#262626;padding-right:3.75rem;padding-left:0rem;margin-bottom:0rem;float:unset;}} /* sc-component-id: ExplorePastStudiesTabs__TabSelectControlDropdown-sc-e8974668-2 */ .cmbvzi{height:2.813rem;margin-bottom:2.25rem;} .cmbvzi label{display:block;font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-weight:300;color:#565656;font-size:0.75rem;line-height:1rem;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;margin-top:-0.625rem;margin-bottom:0.625rem;} .cmbvzi select{-webkit-appearance:none;-moz-appearance:none;appearance:none;-webkit-appearance:none;-moz-appearance:none;background-color:#efefef;background-image:url('/thought-leadership/institute-business-value/public/static/images/arrow_down.webp');background-repeat:no-repeat;background-size:0.938rem 0.938rem;background-position:95% 50%;width:100%;height:100%;color:black;cursor:pointer;border:none;border-bottom:0.063rem solid #171717;padding-left:1rem;font-size:0.875rem;line-height:1.125rem;font-weight:100;} @media (min-width:672px){.cmbvzi{display:none;}} /* sc-component-id: ExplorePastStudiesTabs__DesktopHeaderDiv-sc-e8974668-3 */ .dZIZqg{display:none;} @media (min-width:672px){.dZIZqg{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;}} /* sc-component-id: ExplorePastStudiesTabs__MobileHeaderDiv-sc-e8974668-4 */ .bFTocz{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-box-pack:start;-webkit-justify-content:flex-start;-ms-flex-pack:start;justify-content:flex-start;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;width:100%;margin-right:-1rem;margin-left:-1rem;} .bFTocz:last-child{-webkit-box-flex:1;-webkit-flex-grow:1;-ms-flex-positive:1;flex-grow:1;} @media (min-width:672px){.bFTocz{display:none;}} /* sc-component-id: ExplorePastStudiesTabPanel__DesktopTabPanelDiv-sc-38f2095a-0 */ .jrtOjh{display:none;} @media (min-width:672px){.jrtOjh{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;}} /* sc-component-id: ExplorePastStudiesTabPanel__MobileTabPanelDiv-sc-38f2095a-1 */ .juQtiR{display:block;margin-left:0rem !important;} @media (min-width:672px){.juQtiR{display:none;}} /* sc-component-id: ExplorePastStudiesTabPanel__Arrow-sc-38f2095a-2 */ .hJdWdf{margin-top:0.063rem;-webkit-text-decoration:none !important;text-decoration:none !important;} .hJdWdf:after{content:'→';padding-left:0.75rem;-webkit-text-decoration:none !important;text-decoration:none !important;} /* sc-component-id: ExplorePastStudiesTabPanel__ReportYearDiv-sc-38f2095a-3 */ .kDgFrn{color:#171717;font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-size:1.25rem;line-height:1.625rem;} /* sc-component-id: ExplorePastStudiesTabPanel__RoleImageWrapper-sc-38f2095a-4 */ .aUIcH{width:16rem;height:22.563rem;margin-top:0.938rem;margin-bottom:0.625rem;border:0.063rem solid #979797;} @media (min-width:672px){.aUIcH{width:100%;max-width:16rem;}} /* sc-component-id: ExplorePastStudiesTabPanel__ReportActionLink-sc-38f2095a-5 */ .iKPaGV{display:block;font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-weight:300;font-size:0.875rem;color:#0055ff;-webkit-letter-spacing:0.01rem;-moz-letter-spacing:0.01rem;-ms-letter-spacing:0.01rem;letter-spacing:0.01rem;line-height:1.125rem;height:unset;} @media (min-width:672px){.iKPaGV{-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:1.5rem;margin-top:0.125rem;margin-bottom:0.5rem;color:#0064ff;}} @media (max-width:659px){.iKPaGV{max-width:50%;}} @media (min-width:660px) and (max-width:671px){.iKPaGV{max-width:40%;}} @media (min-width:1256px),(min-width:990px) and (max-width:1055px){.iKPaGV{max-width:80%;}} @media (min-width:1602px){.iKPaGV{max-width:70%;}} .iKPaGV:hover{color:#0064ff;font-weight:400;} .iKPaGV:focus{outline:none;} /* sc-component-id: ExplorePastStudies__PastStudiesDiv-sc-3744f08b-0 */ .hXFZrf{background:#ffffff;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:row;-ms-flex-direction:row;flex-direction:row;padding-top:0rem;padding-bottom:1.25rem;margin-top:3.5rem;} @media (min-width:672px){.hXFZrf{padding-top:3.438rem;padding-bottom:0rem;margin-top:0rem;}} /* sc-component-id: ExplorePastStudies__ArchivesDiv-sc-3744f08b-1 */ .heRuxr{background:#ffffff;color:#171717;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;margin-left:0;} @media (min-width:672px){.heRuxr{border-top:0.063rem #979797 solid;padding-top:3.438rem !important;}} /* sc-component-id: ExplorePastStudies__SectionNavDiv-sc-3744f08b-2 */ .bVrjTZ{margin-bottom:1.875rem;} /* sc-component-id: ExplorePastStudies__Wrapper-sc-3744f08b-4 */ .cfXgME{padding:0rem 1rem;} /* sc-component-id: SevenBetsLeadSpace__TabNavigationBarContainer-sc-449e9950-0 */ @media (min-width:1056px){.fpGNGy{display:none;}} @media (max-width:670px){.fpGNGy{display:none;}} /* sc-component-id: SevenBetsLeadSpace__BreadcrumbWrapper-sc-449e9950-2 */ .gBQpwE{position:relative;padding-left:1rem;} .gBQpwE a span{color:white !important;-webkit-text-decoration:underline;text-decoration:underline;font-size:1rem;} .gBQpwE span{color:white !important;} .gBQpwE *:after,.gBQpwE span{color:white;font-size:1rem;} .gBQpwE .breadcrumbs{position:relative !important;} .gBQpwE .breadcrumbs span{color:white !important;}.fdnTMo{position:relative;padding-left:1rem;} .fdnTMo a span{color:#0F62FE !important;-webkit-text-decoration:underline;text-decoration:underline;font-size:1rem;} .fdnTMo span{color:black !important;} .fdnTMo *:after,.fdnTMo span{color:black;font-size:1rem;} .fdnTMo .breadcrumbs{position:relative !important;} .fdnTMo .breadcrumbs span{color:black !important;} /* sc-component-id: SevenBetsLeadSpace__HeaderTitleH1-sc-449e9950-4 */ .ffqShL{font-size:60px;line-height:1.2;font-weight:300;color:white;padding-top:32px;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;min-height:22rem;} .ffqShL span{position:relative;} @media (max-width:1055px){.ffqShL{font-size:60px;line-height:1.2;}} @media (max-width:671px){.ffqShL{font-size:44px;padding-top:0rem;line-height:1.2;width:unset;min-height:unset;}} @media (max-width:375px){.ffqShL{font-size:40px;}}.kmRmIE{font-size:4.75rem;line-height:5.375rem;font-weight:200;color:black;padding-top:12rem;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;min-height:22rem;} .kmRmIE span{position:relative;} @media (max-width:1055px){.kmRmIE{font-size:3.375rem;line-height:4rem;}} @media (max-width:671px){.kmRmIE{font-size:2rem;padding-top:0rem;line-height:2.5rem;width:75%;min-height:22rem;}} @media (max-width:375px){.kmRmIE{font-size:40px;}}.gPfEKh{font-size:60px;line-height:1.2;font-weight:300;color:white;padding-top:32px;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;min-height:22rem;} .gPfEKh span{position:relative;} @media (max-width:1055px){.gPfEKh{font-size:60px;line-height:1.2;}} @media (max-width:671px){.gPfEKh{font-size:44px;padding-top:0rem;line-height:1.2;width:unset;min-height:22rem;}} @media (max-width:375px){.gPfEKh{font-size:40px;}}.kJtgMF{font-size:4.75rem;line-height:5.375rem;font-weight:200;color:black;padding-top:7.313rem;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;min-height:22rem;} .kJtgMF span{position:relative;} @media (max-width:1055px){.kJtgMF{font-size:3.375rem;line-height:4rem;}} @media (max-width:671px){.kJtgMF{font-size:2rem;padding-top:0rem;line-height:2.5rem;width:75%;min-height:22rem;}} @media (max-width:375px){.kJtgMF{font-size:40px;}} /* sc-component-id: SevenBetsLeadSpace__TextWrap-sc-449e9950-5 */ .hUWtfo{position:relative;color:white;} .hUWtfo p{font-size:20px;color:#161616;line-height:26px;}.dBoEMI{position:relative;} .dBoEMI p{font-size:20px;color:#161616;line-height:26px;}.fqDfia{position:relative;color:black;} .fqDfia p{font-size:20px;color:#161616;line-height:26px;} /* sc-component-id: SevenBetsLeadSpace__MobileBreadcrumbs-sc-449e9950-6 */ .dSqWaP{color:white;font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-size:1rem;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:27px;margin-bottom:20px;width:100%;} @media (min-width:672px){.dSqWaP{display:none !important;}} @media (max-width:671px){.dSqWaP .mobile_home-breadcrumb{-webkit-text-decoration:underline;text-decoration:underline;color:white;}} .dSqWaP > *{font-size:1rem;margin-right:0.25rem;} .dSqWaP a span{font-size:1rem;margin-right:0.25rem;-webkit-text-decoration:underline;text-decoration:underline;color:white;} .dSqWaP > *:after{content:'/';margin-left:0.25rem;display:inline;font-size:1rem;color:white;} @media (max-width:671px){.dSqWaP > *:after{display:inline-block;}} .dSqWaP > *:last-child:after{font-size:1rem;content:'';color:none !important;}.bShevp{color:black;font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-size:1rem;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:27px;margin-bottom:20px;width:100%;} @media (min-width:672px){.bShevp{display:none !important;}} @media (max-width:671px){.bShevp .mobile_home-breadcrumb{-webkit-text-decoration:underline;text-decoration:underline;color:#0F62FE;}} .bShevp > *{font-size:1rem;margin-right:0.25rem;} .bShevp a span{font-size:1rem;margin-right:0.25rem;-webkit-text-decoration:underline;text-decoration:underline;color:black;} .bShevp > *:after{content:'/';margin-left:0.25rem;display:inline;font-size:1rem;color:black;} @media (max-width:671px){.bShevp > *:after{display:inline-block;}} .bShevp > *:last-child:after{font-size:1rem;content:'';color:none !important;} /* sc-component-id: SevenBetsLeadSpace__CustomDownloadBtnDiv-sc-449e9950-7 */ .jjXJAY{margin-bottom:60px;} @media (max-width:320px){.jjXJAY{margin-bottom:40px;}} /* sc-component-id: SevenBetsLeadSpace__LeadspaceButtonsDiv-sc-449e9950-10 */ .diufNF{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:row;-ms-flex-direction:row;flex-direction:row;-webkit-flex-wrap:wrap;-ms-flex-wrap:wrap;flex-wrap:wrap;-webkit-align-items:baseline;-webkit-box-align:baseline;-ms-flex-align:baseline;align-items:baseline;} .diufNF a{-webkit-align-self:baseline;-ms-flex-item-align:baseline;align-self:baseline;} .diufNF a:first-child{margin-right:16px;} .diufNF a:not(:first-child){margin-top:8px;} @media (max-width:671px){.diufNF a{width:100%;max-width:100%;}} @media (max-width:480px){.diufNF a{width:100%;}} @media (max-width:320px){.diufNF{padding-bottom:unset;}}.kYTHQW{display:unset;-webkit-flex-direction:row;-ms-flex-direction:row;flex-direction:row;-webkit-flex-wrap:wrap;-ms-flex-wrap:wrap;flex-wrap:wrap;-webkit-align-items:baseline;-webkit-box-align:baseline;-ms-flex-align:baseline;align-items:baseline;} .kYTHQW a{-webkit-align-self:baseline;-ms-flex-item-align:baseline;align-self:baseline;width:100%;max-width:100%;} .kYTHQW a:first-child{margin-right:16px;} .kYTHQW a:not(:first-child){margin-top:1rem;} @media (max-width:671px){} @media (max-width:480px){.kYTHQW a{width:100%;}} @media (max-width:320px){.kYTHQW{padding-bottom:unset;}}.cXAbOy{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:row;-ms-flex-direction:row;flex-direction:row;-webkit-flex-wrap:wrap;-ms-flex-wrap:wrap;flex-wrap:wrap;-webkit-align-items:baseline;-webkit-box-align:baseline;-ms-flex-align:baseline;align-items:baseline;} .cXAbOy a{-webkit-align-self:baseline;-ms-flex-item-align:baseline;align-self:baseline;} .cXAbOy a:first-child{margin-right:16px;} .cXAbOy a:not(:first-child){margin-top:8px;} @media (max-width:671px){} @media (max-width:480px){.cXAbOy a{width:100%;}} @media (max-width:320px){.cXAbOy{padding-bottom:unset;}} /* sc-component-id: SevenBetsLeadSpace__SevenBetsVideo-sc-449e9950-12 */ .EXwEy{position:absolute;left:0;top:0;width:100%;object-fit:cover;height:calc(100% - 93px);} @media (min-width:1503px){.EXwEy{height:calc(100% - 67px);}} @media (max-width:912px) and (min-width:672px){.EXwEy{height:calc(100% - 117px);}} @media (max-width:671px) and (min-width:525px){.EXwEy{height:100%;}} @media (max-width:1055px){.EXwEy{display:none;}} /* sc-component-id: SevenBetsLeadSpace__SevenBetsVideoMobile-sc-449e9950-13 */ .eFfOjH{position:absolute;left:0;top:0;width:100%;object-fit:cover;height:100%;} @media (min-width:671px){.eFfOjH{display:none;}} /* sc-component-id: SevenBetsLeadSpace__SevenBetsVideoTablet-sc-449e9950-14 */ .jlgPNw{position:absolute;left:0;top:0;width:100%;object-fit:cover;height:100%;} @media (max-width:671px){.jlgPNw{display:none;}} @media (min-width:1056px){.jlgPNw{display:none;}} /* sc-component-id: SevenBetsLeadSpace__Container-sc-449e9950-15 */ .dCuyzQ{margin-right:0;margin-left:0;padding-left:16px;padding-right:16px;max-width:unset;} .dCuyzQ picture > img{object-position:bottom;object-fit:cover;} @media (min-width:672px){.dCuyzQ picture > img{object-position:bottom;object-fit:cover;}}.gsfusn{margin-right:0;margin-left:0;padding-left:0rem;padding-right:0rem;max-width:unset;} .gsfusn picture > img{object-position:center;object-fit:cover;} @media (min-width:672px){.gsfusn picture > img{object-position:bottom;object-fit:cover;}} /* sc-component-id: MobileNavigation-styled__Navigation-sc-52cd5613-0 */ .fzSMbo{position:fixed;top:-48px;z-index:100;height:40px;color:#ffffff;width:100%;vertical-align:middle;height:unset;} @media (min-width:672px){.fzSMbo{display:none;}} /* sc-component-id: MobileNavigation-styled__NavigationButton-sc-52cd5613-1 */ .jeGcUl{min-height:40px;min-width:100%;font-size:1rem;} /* sc-component-id: Page-styled__DesktopReportListWrapperDiv-sc-531096df-0 */ @media (max-width:1055px){.diBYUL{display:none;}} /* sc-component-id: Page-styled__MobileReportListWrapperDiv-sc-531096df-1 */ @media (min-width:1056px){.fYdwmE{display:none;}} /* sc-component-id: Page-styled__QuoteWrapper-sc-531096df-2 */ .geiazN{background-color:#f4f4f4;padding:10rem 0;} /* sc-component-id: Page-styled__MLinksWrapper-sc-531096df-3 */ @media (max-width:671px){.cVVlTT{padding:0px;margin:0px -16px;}} /* sc-component-id: Page-styled__CustomLeadSpaceStyles-sc-531096df-4 */ .iKvBtW #sbets-leadspace-video{height:100%;} @media (max-width:671px){.iKvBtW #leadspaceContainerAreaDiv{padding:0rem;}.iKvBtW #leadspaceContainerAreaDiv #leadspaceContentAreaDiv{padding:0rem;}} @media (min-width:1872px){.iKvBtW #SevenBetsLeadSpace__ButtonWrapper #LeadspaceButtonAreaDiv{max-width:24.5rem;}.iKvBtW #SevenBetsLeadSpace__ButtonWrapper #LeadspaceButtonAreaDiv #leadspace-button-bar a{min-width:22.5rem;width:22.5rem;}.iKvBtW #SevenBetsLeadSpace__ButtonWrapper #LeadspaceButtonAreaDiv #SevenBetsLeadSpaceBookmark__ActionsWrapper{max-width:initial;-webkit-flex-basis:initial;-ms-flex-preferred-size:initial;flex-basis:initial;}} @media (min-width:2177px){.iKvBtW #SevenBetsLeadSpace__ButtonWrapper #LeadspaceButtonAreaDiv{max-width:-webkit-fit-content;max-width:-moz-fit-content;max-width:fit-content;}} @media (max-width:1872px){.iKvBtW #SevenBetsLeadSpace__ButtonWrapper{-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;}.iKvBtW #SevenBetsLeadSpace__ButtonWrapper #leadspace-button-bar{margin-bottom:10px;}.iKvBtW #SevenBetsLeadSpace__ButtonWrapper #SevenBetsLeadSpaceBookmark__ActionsWrapper{padding-left:16px;}} .iKvBtW #SevenBetsLeadSpace__ButtonWrapper #SevenBetsLeadSpaceBookmark__ActionsWrapper button{height:52px;background-color:#393939;border:none;} .iKvBtW #SevenBetsLeadSpace__ButtonWrapper #SevenBetsLeadSpaceBookmark__ActionsWrapper button svg{color:#ffffff;} .iKvBtW #SevenBetsLeadSpace__ButtonWrapper #SevenBetsLeadSpaceBookmark__ActionsWrapper button:hover{opacity:0.7;} /* sc-component-id: Page-styled__AiDilemmaWrapper-sc-531096df-5 */ @media (min-width:1056px){.cfhEvM{padding:0rem 1rem;}} /* sc-component-id: SectionDownloadButtonBar-styled__ImageContainerDiv-sc-796400fd-0 */ .dOigOI{text-align:center;} /* sc-component-id: SectionDownloadButtonBar-styled__ImageDiv-sc-796400fd-1 */ .eEmVDw{margin-top:4.688rem;} /* sc-component-id: SectionDownloadButtonBar-styled__ContainerBottomFooterDiv-sc-796400fd-2 */ .eFgumL{padding:0;} .eFgumL #custom-download-btn-1 .icon-arrow,.eFgumL #custom-email-btn-1 .icon-arrow{margin-left:auto;} @media (max-width:320px){.eFgumL{padding:0 1rem;}} @media (min-width:1056px){.eFgumL{padding:0;}} @media (min-width:672px) and (max-width:1055px){.eFgumL{-webkit-flex-wrap:unset;-ms-flex-wrap:unset;flex-wrap:unset;}.eFgumL .LMRSpaceDiv{display:none;}} .eFgumL .footer-content-block{padding:0;} .eFgumL .footer-content-block .footer-content{margin:2.5rem 0 0.625rem 0;width:calc(100vw - 2rem);} @media (min-width:672px){.eFgumL .footer-content-block .footer-content{margin:4.688rem 0 0.625rem 2rem;width:auto;}} @media (min-width:1056px){.eFgumL .footer-content-block .footer-content{margin:4.688rem 0 0.625rem 0;}} .eFgumL .footer-content-block .footer-content .content-heading{font-size:1.75rem;font-weight:300;line-height:2rem;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;color:#8a3ffc;} @media (min-width:672px){.eFgumL .footer-content-block .footer-content .content-heading{font-size:2rem;line-height:2.5rem;font-weight:300;}} .eFgumL .footer-content-block .footer-content .content-button-group{margin-top:3rem;} @media (max-width:671px){.eFgumL .footer-content-block .footer-content .content-button-group{font-size:1.25rem;margin-top:2.5rem;}.eFgumL .footer-content-block .footer-content .content-button-group .button-primary,.eFgumL .footer-content-block .footer-content .content-button-group .button-secondary{display:block;padding:0 0 1rem 1rem;margin-right:-1.5rem;margin-bottom:1rem;text-align:right;}.eFgumL .footer-content-block .footer-content .content-button-group .button-primary .button-text,.eFgumL .footer-content-block .footer-content .content-button-group .button-secondary .button-text{float:left;margin-top:0.938rem;}.eFgumL .footer-content-block .footer-content .content-button-group .button-primary i,.eFgumL .footer-content-block .footer-content .content-button-group .button-secondary i{margin-right:1rem;}.eFgumL .footer-content-block .footer-content .content-button-group .button-primary i img,.eFgumL .footer-content-block .footer-content .content-button-group .button-secondary i img{width:0.938rem;height:0.75rem;}} /* sc-component-id: SectionDownloadButtonBar-styled__ParagraphContentUl-sc-796400fd-3 */ .fcARfY{font-size:1.5rem;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:2rem;font-weight:300;padding-top:1.5rem;} @media (min-width:672px){.fcARfY{padding-top:2.5rem;}} .fcARfY > li{color:#161616;padding-left:1.3em;padding-top:0.5rem;font-weight:300;font-size:1.25rem;line-height:1.875rem;} .fcARfY > li:first-child{padding-top:0rem;} @media (min-width:672px){.fcARfY > li{padding-top:1.5rem;font-size:1.55rem;line-height:2rem;}} .fcARfY > li::before{color:#000000;content:'–';font-size:1.2rem;} /* sc-component-id: SectionDownloadButtonBar-styled__DateContainer-sc-796400fd-4 */ .erHUSV{display:none;} @media (min-width:1056px){.erHUSV{display:block;font-size:0.875rem;line-height:1.125rem;padding-left:1rem;margin-top:-0.625rem;}} /* sc-component-id: SectionDownloadButtonBar-styled__DownloadAssetWrapper-sc-796400fd-5 */ .duwzDM{padding:1.438rem 0 0 0;} @media (max-width:320px){.duwzDM{padding:1.438rem 1rem 0 1rem;}} @media (min-width:1056px){.duwzDM{display:none;}} /* sc-component-id: SectionDownloadButtonBar-styled__DownloadAssetDesktopWrapper-sc-796400fd-6 */ .eVNyqD{display:none;} @media (min-width:1056px){.eVNyqD{display:block;}} /* sc-component-id: SectionDownloadButtonBar-styled__CustomGroupContainerStyles-sc-796400fd-7 */ @media (min-width:672px) and (max-width:720px){.beuUnP #ButtonGroup__CustomDownloadBtnContainer .button-primary,.beuUnP #ButtonGroup__CustomDownloadBtnContainer .button-secondary,.beuUnP #ButtonGroup__CustomDownloadBtnContainer .button-secondary-rebrand{min-width:21rem;}} /* sc-component-id: SectionIntro-styled__SectionIntroQuote-sc-efdd64ec-0 */ .bfTmuq h3{color:#8a3ffc;font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-size:32px;font-weight:300;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:40px;} .bfTmuq h3 i{font:revert;} @media (max-width:320px){.bfTmuq{padding:0 1rem;}} /* sc-component-id: SectionIntro-styled__SectionIntroDiv-sc-efdd64ec-1 */ .icoiiP{background-color:#ffffff;} .icoiiP #ButtonGroup__CustomDownloadBtnContainer .button-primary,.icoiiP #ButtonGroup__CustomDownloadBtnContainer .button-secondary,.icoiiP #ButtonGroup__CustomDownloadBtnContainer .button-secondary-rebrand{min-width:initial;} @media (max-width:1055px){.icoiiP #ButtonGroup__CustomDownloadBtnContainer{min-width:initial;}} @media (min-width:1157px){.icoiiP{padding:0px;}} @media (max-width:671px){.icoiiP{padding-top:48px;}} .icoiiP #custom-download-btn-1{margin-right:0;} .icoiiP #custom-download-btn-2{display:none;} .icoiiP .SectionIntroDownloadImage{margin:10px;right:-5%;position:relative;} @media (max-width:320px){.icoiiP .SectionIntroDownloadImage{padding-left:1rem;padding-right:1rem;}} @media (max-width:671px){.icoiiP .SectionIntroDownloadImage{margin:9px 0px 40px 0px;}} @media (min-width:672px){.icoiiP .SectionIntroDownloadImage{float:right;}} .icoiiP .SectionIntroDownloadImage .button-primary{width:100%;} @media (min-width:672px){.icoiiP .SectionIntroDownloadImage .button-primary{max-width:256px;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;}} .icoiiP div[class*='CustomDownloadBtnDiv']{padding-top:0 !important;padding-bottom:0 !important;margin-left:unset;margin-right:unset;} .icoiiP div[class*='CustomDownloadBtnDiv'] .button-group_buttons{padding:0;} .icoiiP div[class*='CustomDownloadBtnDiv'] .button-group_buttons .button-primary{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-box-pack:justify;-webkit-justify-content:space-between;-ms-flex-pack:justify;justify-content:space-between;} @media (max-width:768px){.icoiiP{padding-left:0px;}.icoiiP .SectionIntroDownloadImage{position:unset;}} /* sc-component-id: SectionIntro-styled__MainDiv-sc-efdd64ec-3 */ .gFLDMn{position:relative;font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;background-color:unset;} .gFLDMn .video-spacer{display:none;} @media (max-width:1157px){.gFLDMn .video-spacer{display:initial;}} @media (max-width:1157px){.gFLDMn .main-percentage-container{display:none;}.gFLDMn .percent-spacer{max-width:12.5%;-webkit-flex-basis:12.5%;-ms-flex-preferred-size:12.5%;flex-basis:12.5%;margin-left:0;}.gFLDMn .percent-content{max-width:75%;-webkit-flex-basis:75%;-ms-flex-preferred-size:75%;flex-basis:75%;margin-left:0;}} /* sc-component-id: SectionPercentage-styled__MainDiv-sc-eef2a7b2-3 */ .deqfpY{font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;background-color:#F4F4F4;} /* sc-component-id: SectionPercentage-styled__QuoteWrapper-sc-eef2a7b2-4 */ .fDgmLP{font-size:2rem;font-weight:300;line-height:2.5rem;} @media (max-width:320px){.fDgmLP{margin-left:1rem;margin-right:1rem;}} /* sc-component-id: SectionQuote-styled__MainDiv-sc-97cc8edd-0 */ .hgKpgv{font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;background-color:unset;} @media (max-width:320px){.hgKpgv{padding:0 1rem;}} /* sc-component-id: SectionQuote-styled__TitleDiv-sc-97cc8edd-1 */ .jumjjU{color:#161616;background:linear-gradient( 180deg,#6929c4 6.77%,#a56eff 100% );-webkit-background-clip:text;-webkit-text-fill-color:transparent;font-size:2rem;line-height:2.5rem;font-weight:300;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;} @media (min-width:672px){.jumjjU{font-size:2.625rem;line-height:3.125rem;}} /* sc-component-id: SectionTabs-styled__TabsWrapper-sc-1b44ee89-0 */ .kDtMje{padding-bottom:40px !important;} @media (min-width:672px){.kDtMje{border-bottom:0.125rem solid #e0e0e0;}} @media (max-width:320px){.kDtMje{margin-left:1rem;margin-right:1rem;}} /* sc-component-id: SectionTabs-styled__Wrapper-sc-1b44ee89-1 */ .ecUnEN{padding-top:3.75rem;padding-bottom:1.5rem;} @media (min-width:672px){.ecUnEN{padding:64px 16px 40px 16px;}} @media (min-width:1056px){.ecUnEN{padding:64px 0;}} /* sc-component-id: SectionTabs-styled__SectionTextWrapper-sc-1b44ee89-2 */ .jjdkyb{margin-bottom:48px;} @media (min-width:672px){.jjdkyb{width:70%;}} @media (min-width:1056px){.jjdkyb{width:65%;}} @media (min-width:1312px){.jjdkyb{width:58%;}} /* sc-component-id: TabButton__TabAnchor-sc-512d614f-0 */ .cCBIZL{border-bottom:0.125rem solid #0f62fe;margin-top:0rem;margin-right:0.063rem;margin-left:0.063rem;padding:0.75rem 1rem;white-space:nowrap;text-overflow:ellipsis;overflow:hidden;cursor:pointer;color:#000000;box-sizing:border-box;font-size:0.875rem;font-weight:600;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;width:100%;-webkit-text-decoration:none;text-decoration:none;-webkit-transition:border 0.3s,color 0.3s,background-color 0.3s;transition:border 0.3s,color 0.3s,background-color 0.3s;} .cCBIZL span{display:inline-block;line-height:1.125rem;margin:auto 0;} .cCBIZL:hover{color:#000000;border-bottom:0.125rem solid #0f62fe;-webkit-text-decoration:none;text-decoration:none;} @media ((min-width:672px) and (max-width:834px)) or ((min-width:1056px) and (max-width:1097px)){.cCBIZL{padding:0.75rem 0.5rem;overflow:visible;}}.jWoCSf{border-bottom:0.125rem solid #e0e0e0;margin-top:0rem;margin-right:0.063rem;margin-left:0.063rem;padding:0.75rem 1rem;white-space:nowrap;text-overflow:ellipsis;overflow:hidden;cursor:pointer;color:#525252;box-sizing:border-box;font-size:0.875rem;font-weight:500;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;width:100%;-webkit-text-decoration:none;text-decoration:none;-webkit-transition:border 0.3s,color 0.3s,background-color 0.3s;transition:border 0.3s,color 0.3s,background-color 0.3s;} .jWoCSf span{display:inline-block;line-height:1.125rem;margin:auto 0;} .jWoCSf:hover{color:#000000;border-bottom:0.125rem solid #8d8d8d;-webkit-text-decoration:none;text-decoration:none;} @media ((min-width:672px) and (max-width:834px)) or ((min-width:1056px) and (max-width:1097px)){.jWoCSf{padding:0.75rem 0.5rem;overflow:visible;}} /* sc-component-id: TabPanel-styled__Container-sc-2bd45796-0 */ .hAFrCt{display:inline-block;width:100%;} .hAFrCt #BFM-TabPanel__TextEditorsContainer > :nth-child(1){line-height:2rem;font-weight:300;color:#8a3ffc;font-size:1.75rem;} @media (min-width:1056px){.hAFrCt #BFM-TabPanel__TextEditorsContainer > :nth-child(1){font-size:2rem;}} /* sc-component-id: TabPanel-styled__Wrapper-sc-2bd45796-2 */ .egHMKK{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;} @media (min-width:672px){.egHMKK{-webkit-flex-direction:row;-ms-flex-direction:row;flex-direction:row;}} /* sc-component-id: TabPanel-styled__TextEditorsContainer-sc-2bd45796-4 */ .lpidoj{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;} /* sc-component-id: SectionWithAccordion-styled__TitleDiv-sc-6a058066-0 */ .hpvSLL{font-size:3.375rem;line-height:4rem;font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;color:#6929c4;font-weight:300;} @media (max-width:671px){.hpvSLL{font-size:2rem;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:2.5rem;}} /* sc-component-id: SectionWithAccordion-styled__SubheadingDiv-sc-6a058066-2 */ .kOGQER{font-size:1.25rem;line-height:1.75rem;font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;color:#262626;font-weight:600;padding-bottom:2rem;} @media (max-width:671px){.kOGQER{font-size:1.5rem;color:#161616;line-height:2rem;}} /* sc-component-id: SectionWithAccordion-styled__MiddleContentDiv-sc-6a058066-4 */ .fPLgwE{width:100%;} .fPLgwE div[id*='SectionWhatWereSeeingAccordion_']:last-child{border-bottom:0.0625rem solid rgb(190,190,190);} /* sc-component-id: SmallCard-styled__Container-sc-d4c38cb9-0 */ .gwyrcs{-webkit-align-items:baseline;-webkit-box-align:baseline;-ms-flex-align:baseline;align-items:baseline;position:relative;background-color:#e5f6ff;height:100%;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;-webkit-box-pack:start;-webkit-justify-content:start;-ms-flex-pack:start;justify-content:start;padding:0 1rem 1rem;cursor:pointer;overflow:hidden;font-size:1rem;color:#171717;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:1.5rem;pointer-events:auto;} .gwyrcs:hover{background:#b9e6ff;} @media (min-width:672px){.gwyrcs{background-color:#e5f6ff;padding:0 1.5rem 1.5rem;}} /* sc-component-id: SmallCard-styled__TextContainer-sc-d4c38cb9-1 */ .fSkHXa{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;} @media (max-width:671px){.fSkHXa{-webkit-flex-direction:row;-ms-flex-direction:row;flex-direction:row;-webkit-box-pack:justify;-webkit-justify-content:space-between;-ms-flex-pack:justify;justify-content:space-between;width:100%;}} /* sc-component-id: SmallCard-styled__IconRow-sc-d4c38cb9-4 */ .jeJygf{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-box-pack:start;-webkit-justify-content:flex-start;-ms-flex-pack:start;justify-content:flex-start;-webkit-flex:1;-ms-flex:1;flex:1;margin-top:1.5rem;} @media (max-width:1055px){.jeJygf{padding-top:2.5rem;}} @media (max-width:671px){.jeJygf{width:100%;-webkit-box-pack:end;-webkit-justify-content:end;-ms-flex-pack:end;justify-content:end;padding-top:1.25rem;padding-left:1.25rem;margin-left:auto;margin-top:0;}} /* sc-component-id: SmallCard-styled__Arrow-sc-d4c38cb9-5 */ .kvsCoE{position:absolute;bottom:1rem;display:block;text-align:left;font-size:1.5625rem;color:#0f62fe;} .kvsCoE:hover{color:#0f62fe;} .kvsCoE img{width:1.175rem !important;height:0.9375rem !important;margin-right:0.1875rem;margin-bottom:0.1875rem;} @media (max-width:671px){.kvsCoE{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;margin:0;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;}} /* sc-component-id: SmallCard-styled__Head-sc-d4c38cb9-6 */ .cavSwd{font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-size:0.875rem;font-style:normal;font-weight:400;line-height:1.25rem;color:#0f62fe;font-weight:600;padding-top:1.5rem;} @media (min-width:672px){.cavSwd{color:#0f62fe;}} /* sc-component-id: SmallCard-styled__Title-sc-d4c38cb9-8 */ .fxpgOU{padding-top:0.3125rem;font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;-webkit-flex:3;-ms-flex:3;flex:3;font-size:1.25rem;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;color:#161616;line-height:1.625rem;} /* sc-component-id: TopicsNavigation-styled__Wrapper-sc-614a3dd3-0 */ .gvYTQK{margin-top:1rem;} /* sc-component-id: TopicsNavigation-styled__CardsWrapper-sc-614a3dd3-1 */ @media (min-width:672px){.jOLmCS div div[class*='SmallCard__Container-']{-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;}.jOLmCS div div[class*='SmallCard__Container-'] div{font-size:1.75rem;font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-weight:300;padding-left:0;padding-top:1.875rem !important;}} @media (max-width:671px){.jOLmCS a[class^='SmallCard__Container']{-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;}.jOLmCS div[class^='SmallCard__IconRow']{padding-left:unset;padding-top:unset;margin-left:unset;}} /* sc-component-id: SmallCard-styled__Container-sc-a5a4a248-0 */ .ZwGKa{-webkit-align-items:baseline;-webkit-box-align:baseline;-ms-flex-align:baseline;align-items:baseline;position:relative;background-color:#e5f6ff;height:100%;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;-webkit-box-pack:start;-webkit-justify-content:start;-ms-flex-pack:start;justify-content:start;padding:0 1rem 1rem;cursor:pointer;overflow:hidden;font-size:1rem;color:#171717;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:1.5rem;pointer-events:auto;} .ZwGKa:hover{background:#b9e6ff;} @media (min-width:672px){.ZwGKa{background-color:#e5f6ff;padding:0 1.5rem 1.5rem;}}.cqpbBq{-webkit-align-items:baseline;-webkit-box-align:baseline;-ms-flex-align:baseline;align-items:baseline;position:relative;background-color:#f4f4f4;height:100%;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;-webkit-box-pack:start;-webkit-justify-content:start;-ms-flex-pack:start;justify-content:start;padding:0 1rem 1rem;cursor:pointer;overflow:hidden;font-size:1rem;color:#171717;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:1.5rem;pointer-events:none;} .cqpbBq:hover{background:#b9e6ff;} @media (min-width:672px){.cqpbBq{background-color:#e5f6ff;padding:0 1.5rem 1.5rem;}} /* sc-component-id: SmallCard-styled__TextContainer-sc-a5a4a248-1 */ .jJttOU{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;} @media (max-width:671px){.jJttOU{-webkit-flex-direction:row;-ms-flex-direction:row;flex-direction:row;-webkit-box-pack:justify;-webkit-justify-content:space-between;-ms-flex-pack:justify;justify-content:space-between;width:100%;}} /* sc-component-id: SmallCard-styled__IconRow-sc-a5a4a248-4 */ .jgbbiu{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-box-pack:start;-webkit-justify-content:flex-start;-ms-flex-pack:start;justify-content:flex-start;-webkit-flex:1;-ms-flex:1;flex:1;margin-top:1.5rem;} @media (max-width:1055px){.jgbbiu{padding-top:2.5rem;}} @media (max-width:671px){.jgbbiu{width:100%;-webkit-box-pack:end;-webkit-justify-content:end;-ms-flex-pack:end;justify-content:end;padding-top:1.25rem;padding-left:1.25rem;margin-left:auto;margin-top:0;}} /* sc-component-id: SmallCard-styled__Arrow-sc-a5a4a248-5 */ .cDkZNI{position:absolute;bottom:1rem;display:block;text-align:left;font-size:1.5625rem;color:#0f62fe;} .cDkZNI:hover{color:#0f62fe;} .cDkZNI img{width:1.175rem !important;height:0.9375rem !important;margin-right:0.1875rem;margin-bottom:0.1875rem;} @media (max-width:671px){.cDkZNI{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;margin:0;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;}} /* sc-component-id: SmallCard-styled__Head-sc-a5a4a248-6 */ .hLSlfA{font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-size:0.875rem;font-style:normal;font-weight:400;line-height:1.25rem;color:#0f62fe;font-weight:600;padding-top:1.5rem;} @media (min-width:672px){.hLSlfA{color:#0f62fe;}}.QXECI{font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-size:0.875rem;font-style:normal;font-weight:400;line-height:1.25rem;color:#262626;font-weight:600;padding-top:1.5rem;} @media (min-width:672px){.QXECI{color:#0f62fe;}} /* sc-component-id: SmallCard-styled__Footer-sc-a5a4a248-7 */ .fwWcup{font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-size:0.875rem;font-style:normal;font-weight:400;line-height:1.25rem;font-weight:600;display:none;} @media (min-width:672px){.fwWcup{display:block;}} /* sc-component-id: SmallCard-styled__Title-sc-a5a4a248-8 */ .iilaMp{padding-top:0.3125rem;font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;-webkit-flex:3;-ms-flex:3;flex:3;font-size:1.25rem;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;color:#161616;line-height:1.625rem;} /* sc-component-id: TopicsNavigation-styled__Wrapper-sc-49785c9e-0 */ .jrRiOW{margin:3.0625rem 0 4rem 0;} @media (min-width:1056px){.jrRiOW{margin:3.0625rem 0 0 0;}} /* sc-component-id: TopicsNavigation-styled__CardsWrapper-sc-49785c9e-1 */ @media (min-width:672px){.ejIavc div div[class*='SmallCard__Container-']{-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;}.ejIavc div div[class*='SmallCard__Container-'] div{font-size:1.75rem;font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-weight:300;padding-left:0;padding-top:1.875rem !important;}} @media (max-width:671px){.ejIavc a[class^='SmallCard__Container']{-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;}.ejIavc div[class^='SmallCard__IconRow']{padding-left:unset;padding-top:unset;margin-left:unset;}} /* sc-component-id: BlogAuthor__AuthorLink-sc-990fb2fd-0 */ .didblk{display:block;cursor:pointer;color:blue;font-family:IBM Plex Sans,'Helvetica Neue',Arial,sans-serif;font-size:14px;color:#0064ff;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:24px;padding-top:5px;margin-top:5px;-webkit-text-decoration:none !important;text-decoration:none !important;} .didblk:hover{color:blue;-webkit-text-decoration:none !important;text-decoration:none !important;} .didblk > span{-webkit-text-decoration:none !important;text-decoration:none !important;} /* sc-component-id: BlogAuthor__AuthorEmailLink-sc-990fb2fd-1 */ .cXareW{display:block;cursor:pointer;color:blue;font-family:IBM Plex Sans,'Helvetica Neue',Arial,sans-serif;font-size:14px;color:#0064ff;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:24px;padding-top:5px;margin-top:5px;-webkit-text-decoration:none !important;text-decoration:none !important;-webkit-letter-spacing:0.1px;-moz-letter-spacing:0.1px;-ms-letter-spacing:0.1px;letter-spacing:0.1px;color:black;line-height:20px;} .cXareW:hover{color:blue;-webkit-text-decoration:none !important;text-decoration:none !important;} .cXareW > span{-webkit-text-decoration:none !important;text-decoration:none !important;} /* sc-component-id: BlogCard__BlogCardDIV-sc-4d25cce-0 */ .csDSKo{margin-top:0px;position:relative;min-height:500px;} @media (max-width:1055px){.csDSKo{height:auto;}} @media (max-width:671px){.csDSKo{margin-top:45px;}} /* sc-component-id: BlogCard__ImageContainer-sc-4d25cce-1 */ .eKnHDi{width:100%;max-height:144px;padding-bottom:50%;position:relative;object-fit:cover;overflow:hidden;} .eKnHDi:hover{cursor:pointer;} .eKnHDi:hover::before{opacity:1;} .eKnHDi::before{position:absolute;background-color:#0f6dff;mix-blend-mode:soft-light;opacity:0;content:'';height:100%;width:100%;top:0;left:0;-webkit-transition:opacity 220ms $standard-expressive;transition:opacity 220ms $standard-expressive;} /* sc-component-id: BlogCard__Content-sc-4d25cce-2 */ .jyNDxA{padding:0 16px 8px 16px;padding-bottom:10px;} @media (max-width:672px){.jyNDxA{height:unset;padding-bottom:20px;}} /* sc-component-id: BlogCard__Title-sc-4d25cce-3 */ .dVSURw a{word-wrap:break-word;color:#000 !important;} .dVSURw a:hover{-webkit-text-decoration:underline;text-decoration:underline;cursor:pointer;} /* sc-component-id: BlogCard__Row-sc-4d25cce-4 */ .dCfYb{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-box-pack:justify;-webkit-justify-content:space-between;-ms-flex-pack:justify;justify-content:space-between;-webkit-align-items:top;-webkit-box-align:top;-ms-flex-align:top;align-items:top;margin-bottom:16px;} @media (max-width:1055px){.dCfYb{margin-top:32px;}} /* sc-component-id: BlogCard__BookmarkButton-sc-4d25cce-5 */ .fTbABO{margin-right:8px;position:absolute;bottom:20px;left:16px;} /* sc-component-id: BlogCard__RightArrow-sc-4d25cce-6 */ .fvonMT{-webkit-flex:1;-ms-flex:1;flex:1;text-align:right;margin-right:4px;font-size:25px;color:#171717;position:absolute;bottom:20px;right:8px;} .fvonMT:hover{color:#171717;} .fvonMT img{height:20px;width:25px;margin-right:61.05px;} @media (max-width:320px){.fvonMT img{margin-right:12px;}} /* sc-component-id: BlogCard__StyledH3-sc-4d25cce-7 */ .kLjXkH{padding:0 0;margin-bottom:unset;line-height:unset;font-size:unset;color:#000;min-height:120px;} .kLjXkH:hover{-webkit-text-decoration:underline;text-decoration:underline;} /* sc-component-id: BlogCard__BlogBlurb-sc-4d25cce-8 */ .jlwCkq{font-size:0.875rem;-webkit-letter-spacing:0.01rem;-moz-letter-spacing:0.01rem;-ms-letter-spacing:0.01rem;letter-spacing:0.01rem;line-height:1.25rem;wordwrap:'break-word';} .jlwCkq div{font-size:0.875rem;} .jlwCkq div p{font-size:0.875rem;-webkit-letter-spacing:0.01rem;-moz-letter-spacing:0.01rem;-ms-letter-spacing:0.01rem;letter-spacing:0.01rem;line-height:1.25rem;color:#000;wordwrap:'break-word';} .jlwCkq span{font-size:0.875rem;-webkit-letter-spacing:0.01rem;-moz-letter-spacing:0.01rem;-ms-letter-spacing:0.01rem;letter-spacing:0.01rem;line-height:1.25rem;wordwrap:'break-word';} .jlwCkq p{font-size:0.875rem;-webkit-letter-spacing:0.01rem;-moz-letter-spacing:0.01rem;-ms-letter-spacing:0.01rem;letter-spacing:0.01rem;line-height:1.25rem;color:#000;wordwrap:'break-word';} /* sc-component-id: BlogList__BlogListDIV-sc-de5d2fb4-0 */ .GPzYA{margin-top:40px;padding-bottom:24px;opacity:1;} @media (max-width:672px){.GPzYA{margin-top:20px;}} .GPzYA .report-list-item{padding:0 1px 0 0;}.bojkVr{margin-top:40px;padding-bottom:24px;background-color:#F9F9F9;opacity:1;} @media (max-width:672px){.bojkVr{margin-top:20px;}} .bojkVr .report-list-item{padding:0 1px 0 0;} /* sc-component-id: BlogList__MoreDIV-sc-de5d2fb4-1 */ .fosDmp{margin-left:-5px;} /* sc-component-id: Page-styled__ReportColumnLeftContainer-sc-ee8d097c-0 */ @media (min-width:672px){.jkLVKW{padding-top:48px;padding-bottom:56px;}} /* sc-component-id: Page-styled__ContentDiv-sc-ee8d097c-1 */ .jxRDlv{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;} .jxRDlv .ck-accordion-wrapper{box-shadow:inset 0px 1px 0 rgb(190,190,190),inset 0px -1px 0 rgb(190,190,190);margin-top:-1px;} .jxRDlv .ck-accordion-wrapper .ck-accordion{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;} .jxRDlv .ck-accordion-wrapper .ck-accordion summary{padding:10px 15px 10px 15px;min-height:50px;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;} .jxRDlv .ck-accordion-wrapper .ck-accordion summary::-webkit-details-marker{display:none;} .jxRDlv .ck-accordion-wrapper .ck-accordion summary::before{margin-left:15px;} .jxRDlv .ck-accordion-wrapper .ck-accordion .ck-accordion-title-icon{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;-webkit-box-pack:justify;-webkit-justify-content:space-between;-ms-flex-pack:justify;justify-content:space-between;width:100%;} .jxRDlv .ck-accordion-wrapper .ck-accordion .ck-accordion-title-icon div{width:22px;height:22px;} .jxRDlv .ck-accordion-wrapper .ck-accordion .ck-accordion-title-icon div svg{width:22px;height:22px;} .jxRDlv .ck-accordion-wrapper .ck-accordion .ck-accordion-content{min-height:100px;padding-left:15px;} .jxRDlv .ck-accordion-wrapper .ck-accordion[open] .ck-accordion-title .ck-accordion-title-icon div{-webkit-transform:rotate(180deg);-ms-transform:rotate(180deg);transform:rotate(180deg);width:22px;height:22px;} .jxRDlv .ck-accordion-wrapper .ck-accordion[open] .ck-accordion-title .ck-accordion-title-icon div svg{width:22px;height:22px;} .jxRDlv .audio{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;} .jxRDlv .audio.audio-styles-full-width audio{width:100%;} .jxRDlv .audio.audio-style-align-left{-webkit-box-pack:start;-webkit-justify-content:start;-ms-flex-pack:start;justify-content:start;margin-right:1.5em;} .jxRDlv .audio.audio-style-align-center{-webkit-box-pack:center;-webkit-justify-content:center;-ms-flex-pack:center;justify-content:center;} .jxRDlv .audio.audio-style-align-right{-webkit-box-pack:end;-webkit-justify-content:end;-ms-flex-pack:end;justify-content:end;margin-left:1.5em;} .jxRDlv .italic-title{font-style:italic;} .jxRDlv .subtitle{color:red;} .jxRDlv pre{white-space:pre-wrap;line-height:24px;} .jxRDlv .special-container{background:#eee;border:1px solid #ccc;padding:5px 10px;} .jxRDlv p span{word-wrap:break-word;} .jxRDlv p big{font-size:larger;} .jxRDlv p small{font-size:smaller;} .jxRDlv p tt{font-family:monospace;word-wrap:break-word;} .jxRDlv p .marker{color:yellow;} .jxRDlv ul{padding:0 0 15px;} .jxRDlv .image img{width:100%;height:auto !important;} .jxRDlv .image-style-block-align-right{-webkit-align-self:end;-ms-flex-item-align:end;align-self:end;} .jxRDlv .image-style-align-center{-webkit-align-self:center;-ms-flex-item-align:center;align-self:center;} /* sc-component-id: Page-styled__BookmarkDiv-sc-ee8d097c-2 */ .esQqXb{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-weight:600;font-size:16px;color:#323232;line-height:22px;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;margin-bottom:12px;} .esQqXb > span{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;white-space:nowrap;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;margin-right:15px;font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-weight:600;font-size:14px;color:#3d3d3d;-webkit-letter-spacing:0.16px;-moz-letter-spacing:0.16px;-ms-letter-spacing:0.16px;letter-spacing:0.16px;line-height:18px;} .esQqXb > div{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;} /* sc-component-id: Page-styled__AuthorsP-sc-ee8d097c-3 */ .cRVFCi{font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-weight:600;font-size:16px;color:#3d3d3d;-webkit-letter-spacing:0.16px;-moz-letter-spacing:0.16px;-ms-letter-spacing:0.16px;letter-spacing:0.16px;line-height:18px;} /* sc-component-id: PageReportElements__DividerPC-sc-dab1fff1-0 */ .gaWGrx{display:none;} @media (min-width:672px){.gaWGrx{display:block;}} /* sc-component-id: PageReportElements__ReportColumnLeftContainer-sc-dab1fff1-1 */ @media (min-width:672px){.kYxnOM{padding-bottom:56px;padding-top:48px;}} /* sc-component-id: Page-styled__BookmarkShareAssetAuthorWrapper-sc-6a3602b9-0 */ .jEpxyf{z-index:1;position:relative;} .jEpxyf > div{margin-left:0;margin-right:0;} .jEpxyf .ibm-rule.ibm-alternate.ibm-pb-2{padding-bottom:1.5rem !important;margin-top:1.5rem !important;} .jEpxyf .ibm-rule.ibm-alternate.ibm-pb-2:last-child{padding-bottom:0 !important;margin-top:0.75rem !important;} .jEpxyf #get-more-insights-via-email,.jEpxyf #get-additional-insights-via-email{min-width:18rem;} @media (min-width:672px){.jEpxyf{display:none;}} /* sc-component-id: Page-styled__DesktopReportListWrapper-sc-6a3602b9-1 */ @media (max-width:1055px){.jgUdRl{display:none;}} /* sc-component-id: Page-styled__LeadspaceWrapper-sc-6a3602b9-2 */ @media (min-width:672px){.iWPIyR #basic-leadspace-wrapper{padding:2rem 0rem 22rem 0rem;}} @media (min-width:1056px){.iWPIyR #basic-leadspace-wrapper{padding:2rem 0rem 25rem 0rem;}} .iWPIyR #basic-leadspace-text-container{padding-bottom:7.5rem;} @media (min-width:672px){.iWPIyR #basic-leadspace-text-container{padding-bottom:2rem;}} .iWPIyR #basic-leadspace-text-container .basic-leadspace-text-description-container .UIWrapperEditIconContainer{top:-0.5rem;right:-2rem;} /* sc-component-id: Page-styled__MLinksWrapper-sc-6a3602b9-3 */ .bbNkBY{padding-top:79px !important;} @media (max-width:1055px){.bbNkBY{padding-top:49px !important;}.bbNkBY .salesforce-mlink > :first-child{margin-bottom:32px;}} @media (min-width:1056px){.bbNkBY .salesforce-mlink > :first-child{width:-webkit-fit-content;width:-moz-fit-content;width:fit-content;display:block;margin-left:14px;}} .bbNkBY .marketing-link__title-mobile,.bbNkBY .report-list__title-div{color:#262626;} .bbNkBY #MoreData > :first-child > :first-child,.bbNkBY .salesforce-mlink > :first-child > :first-child{color:#262626;} @media (max-width:1055px){.bbNkBY{padding-top:49px !important;padding:0 14%;}.bbNkBY .salesforce-mlink > :first-child{margin-bottom:32px;color:#262626;}} @media (max-width:670px){.bbNkBY{padding-top:2.25rem !important;}} @media (max-width:671px){.bbNkBY{padding:0px;margin:0px 1px;}.bbNkBY #SectionIbmHelp .marketing-link__mobile > :first-child > :last-child > div{margin-bottom:16px;}.bbNkBY #SectionIbmHelp .marketing-link__mobile > :first-child > :last-child > div .ibm-rule,.bbNkBY #SectionIbmHelp .marketing-link__mobile > :first-child > :last-child > div .ibm-alternate{display:none;}.bbNkBY #SectionIbmHelp .marketing-link__mobile > :first-child > :last-child > div .marketing-card__title{color:#262626;line-height:28px;font-family:IBM Plex Sans;margin-bottom:24px;}.bbNkBY #SectionIbmHelp .marketing-link__mobile > :first-child > :last-child > div .marketing-card__content{margin-bottom:24px;}.bbNkBY #SectionIbmHelp .marketing-link__mobile > :first-child > :last-child > div .marketing-card__row{margin-bottom:16px;}} /* sc-component-id: Page-styled__MobileReportListWrapper-sc-6a3602b9-4 */ .jwTben .report-list__title-div{padding-left:0px;margin-bottom:32px;} .jwTben .report-list__item{margin-bottom:8px;} .jwTben > :first-child{padding-top:0px !important;padding-bottom:56px !important;} @media (min-width:1055px){.jwTben{display:none;}} /* sc-component-id: SectionIntro-styled__DownloadTranslationWrapper-sc-78a4eb80-0 */ .chBrgL{margin-top:0.313rem;width:55%;} .chBrgL #TranslationTitle_Id{color:#161616 !important;} @media (max-width:1056px){.chBrgL{display:none;}} /* sc-component-id: SectionIntro-styled__AudioTextHeader-sc-78a4eb80-2 */ .fyfYSq{color:#007d79;font-size:2.625rem;font-weight:300;line-height:3.125rem;padding-bottom:2rem;} @media (min-width:672px){.fyfYSq{font-size:3.375rem;line-height:4rem;margin-right:1rem;word-wrap:break-word;-webkit-hyphens:auto;-moz-hyphens:auto;-ms-hyphens:auto;-webkit-hyphens:auto;-moz-hyphens:auto;-ms-hyphens:auto;hyphens:auto;}} @media (min-width:1056px){.fyfYSq{width:80%;}} /* sc-component-id: SectionIntro-styled__Container-sc-78a4eb80-3 */ .fWkWqQ{position:relative;bottom:21.5rem;width:100%;font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;background-color:#f4f4f4;padding-bottom:6.875rem;margin-bottom:18.875rem;} @media screen and (max-width:671px){.fWkWqQ{bottom:0;}} @media (max-width:1055px){.fWkWqQ{padding-bottom:6rem;margin-bottom:6rem;}} @media (max-width:671px){.fWkWqQ{padding-top:2rem;padding-bottom:3.5rem;margin-bottom:4rem;}} @media (max-width:1157px){.fWkWqQ .ibm-pt-8{padding-top:1rem !important;}} @media (max-width:1157px){.fWkWqQ .main-percentage-container{display:none;}.fWkWqQ .percent-spacer{max-width:12.5%;-webkit-flex-basis:12.5%;-ms-flex-preferred-size:12.5%;flex-basis:12.5%;margin-left:0;}.fWkWqQ .percent-content{max-width:75%;-webkit-flex-basis:75%;-ms-flex-preferred-size:75%;flex-basis:75%;margin-left:0;}} /* sc-component-id: SectionIntro-styled__ImageLeft-sc-78a4eb80-4 */ .hNSemZ{width:25%;position:absolute;left:0;bottom:-23.125rem;} @media (min-width:320px){.hNSemZ{display:none;}} @media (min-width:672px){.hNSemZ{display:block;}} @media (min-width:671px) and (max-width:1055px){.hNSemZ{bottom:-12.25rem;}} @media (min-width:1054px) and (max-width:1329px){.hNSemZ{bottom:-16.25rem;}} @media (min-width:1330px) and (max-width:1539px){.hNSemZ{bottom:-18.75rem;}} @media (min-width:1540px){.hNSemZ{bottom:-20.625rem;}} /* sc-component-id: SectionIntro-styled__ImageRight-sc-78a4eb80-5 */ .dBmspJ{width:44%;position:absolute;right:0;bottom:-21.25rem;} @media (min-width:320px){.dBmspJ{display:none;}} @media (min-width:672px){.dBmspJ{display:block;}} @media (min-width:671px) and (max-width:1055px){.dBmspJ{bottom:-10.375rem;}} @media (min-width:1054px) and (max-width:1329px){.dBmspJ{bottom:-14.375rem;}} @media (min-width:1330px) and (max-width:1539px){.dBmspJ{bottom:-16.875rem;}} @media (min-width:1540px){.dBmspJ{bottom:-18.75rem;}} /* sc-component-id: SectionIntro-styled__LetterWrapper-sc-78a4eb80-7 */ .NTHCS{bottom:0;} @media (min-width:672px){.NTHCS{position:absolute;width:90%;}} @media (max-width:671px){.NTHCS{display:none;}}.iDnuTK{bottom:0;} @media (min-width:672px){.iDnuTK{display:none;position:absolute;width:90%;}} @media (max-width:671px){} /* sc-component-id: SectionIntro-styled__TextCollumn-sc-78a4eb80-13 */ .ldjZsC{display:inline-block;position:relative;} @media (min-width:1056px){.ldjZsC{width:50%;}} @media (min-width:672px) and (max-width:1055px){.ldjZsC{width:40%;}.ldjZsC:last-child{width:50%;}} .ldjZsC .UIWrapperEditIconContainer{top:-0.5rem;right:-1.5rem;} /* sc-component-id: SectionIntro-styled__TextContainer-sc-78a4eb80-14 */ .hhRjll{padding-top:5.25rem;} @media (max-width:671px){.hhRjll{padding-top:0rem;}} @media (min-width:672px){.hhRjll{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;}} /* sc-component-id: SectionIntro-styled__Wrapper-sc-78a4eb80-15 */ .hckzoJ .letter-modal .lined-list-item .lined-list-item-heading .UIWrapperEditIconContainer{top:-0.3rem;right:-2rem;} .hckzoJ .letter-modal .lined-list-item .lined-list-item-paragraph > :nth-child(1) .UIWrapperEditIconContainer{top:0rem;right:0rem;} .hckzoJ .letter-modal .lined-list-item .lined-list-item-paragraph > :nth-child(2) .UIWrapperEditIconContainer{top:-0.3rem;right:-2rem;} @media (min-width:672px){.hckzoJ .ibm-grid-container{margin:0 32px;}} @media (min-width:1056px){.hckzoJ .ibm-grid-container{margin:0 auto;}} /* sc-component-id: AccordionWithLinedList-styled__Container-sc-ed5f8bd3-0 */ .eaJATv{margin-bottom:4rem;border-top:1px solid #e0e0e0;border-bottom:1px solid #e0e0e0;position:relative;} .eaJATv * > a{cursor:pointer;} @media (min-width:320px){.eaJATv{width:100%;padding:0 10px 0 0;}.eaJATv .outer-accordion-container{padding:0;}} @media (min-width:672px){.eaJATv{width:unset;padding:unset;margin-bottom:5rem;}} @media (min-width:1056px) and (max-width:1065px){.eaJATv .outer-accordion-container{max-width:94%;}} @media (min-width:672px) and (max-width:1056px){.eaJATv .outer-accordion-container{max-width:96%;}} /* sc-component-id: AccordionWithLinedList-styled__AccordionOuterContainer-sc-ed5f8bd3-1 */ @media (min-width:672px) and (max-width:1056px){.fAGndi{width:100%;}} .fAGndi * > b{font-weight:600;} .fAGndi ul{padding-bottom:0px;} .fAGndi ul li{padding-left:unset;} .fAGndi .cds--accordion__wrapper{padding-bottom:0;} .fAGndi .cds--accordion > li:before{content:unset;} .fAGndi .cds--accordion__title{color:#007d79 !important;line-height:1.75rem !important;font-size:1.25rem !important;font-style:normal;font-weight:700;margin-left:13px;padding:1rem 0.938rem 1rem 0;margin-right:5%;} @media (max-width:670px){.fAGndi .cds--accordion__title{width:90%;margin-right:10%;}} .fAGndi .cds--accordion__item{margin-left:-12px;margin-right:-12px;border:0;} .fAGndi .cds--accordion__item .cds--accordion__heading{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;height:100%;min-height:60px;padding-inline-end:unset;} .fAGndi .cds--accordion__item .cds--accordion__heading:focus::before{border:unset;pointer-events:none;} .fAGndi .cds--accordion__item .cds--accordion__heading:hover::before{background-color:unset;pointer-events:none;} .fAGndi .cds--accordion__item .cds--accordion__heading:focus{border:unset;box-shadow:unset;} .fAGndi .cds--accordion__item .cds--accordion__heading:hover{background-color:unset;} .fAGndi .cds--accordion__item .cds--accordion__heading .cds--accordion__arrow{fill:#0062ff;-webkit-transform:rotate(90deg) scale(2);-ms-transform:rotate(90deg) scale(2);transform:rotate(90deg) scale(2);margin-right:12px;} .fAGndi .cds--accordion__item .cds--accordion__heading .cds--accordion__title{font-size:16px;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:24px;color:#161616;} @media (max-width:1065px){.fAGndi .cds--accordion__item .cds--accordion__heading{position:unset;-webkit-box-pack:start;-webkit-justify-content:start;-ms-flex-pack:start;justify-content:start;}.fAGndi .cds--accordion__item .cds--accordion__heading svg{position:absolute;right:0;}} .fAGndi .cds--accordion__item .cds--accordion__content{padding-right:unset;} .fAGndi .cds--accordion__item--active > .cds--accordion__heading > .cds--accordion__arrow{-webkit-transform:rotate(-90deg) scale(2);-ms-transform:rotate(-90deg) scale(2);transform:rotate(-90deg) scale(2);fill:rgb(0,98,255);} /* sc-component-id: AccordionWithLinedList-styled__AccordionContentWrapper-sc-ed5f8bd3-3 */ .dUbxnx{padding-top:15px;padding-bottom:0px;} /* sc-component-id: SectionWithCarousel-styled__CarouselSectionContainer-sc-fad0fb47-0 */ @media (min-width:1056px){.Evkd{padding:80px 24px 80px 0px;}} @media (min-width:671px){.Evkd{padding:72px 0px;}} @media (max-width:671px){.Evkd{margin:0px;}} /* sc-component-id: SectionWithCarousel-styled__Divider-sc-fad0fb47-1 */ @media (max-width:1583px){.ldJbyW{display:none;}} /* sc-component-id: SectionWithCarousel-styled__Wrapper-sc-fad0fb47-2 */ .dGrmzg{background-color:#f4f4f4;} @media (min-width:1056px){.dGrmzg{height:-webkit-max-content;height:-moz-max-content;height:max-content;}} /* sc-component-id: SectionWithCarousel-styled__ImageContainer-sc-fad0fb47-3 */ .ORauN{width:350px;height:350px;z-index:2;position:relative;} @media (max-width:671px){.ORauN{height:98vw;}} @media (max-width:671px){.ORauN{display:none;}}.kDdgli{width:350px;height:350px;z-index:2;position:absolute;top:-9999px;left:-9999px;} @media (max-width:671px){.kDdgli{height:98vw;}} @media (max-width:671px){.kDdgli{display:none;}} /* sc-component-id: SectionWithCarousel-styled__CarouselTextContainer-sc-fad0fb47-4 */ .iXSfgz{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;-webkit-box-pack:start;-webkit-justify-content:start;-ms-flex-pack:start;justify-content:start;} @media (max-width:671px){.iXSfgz{padding:3rem 1rem 2rem 1rem !important;}} @media screen and (max-width:960px){.iXSfgz{-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;}} @media screen and (max-width:545px){.iXSfgz{-webkit-box-pack:center;-webkit-justify-content:center;-ms-flex-pack:center;justify-content:center;-webkit-align-items:initial;-webkit-box-align:initial;-ms-flex-align:initial;align-items:initial;margin-left:17px;margin-right:17px;}} /* sc-component-id: SectionWithCarousel-styled__CarouselChangingTextContainer-sc-fad0fb47-5 */ .hGSTts{position:relative;margin-bottom:40px;} /* sc-component-id: SectionWithCarousel-styled__CarouselChangingText-sc-fad0fb47-6 */ .goimRx{visibility:initial;position:absolute;} @media (min-width:672px){.goimRx{padding-right:2rem;}}.btLujs{visibility:hidden;position:absolute;} @media (min-width:672px){.btLujs{padding-right:2rem;}} /* sc-component-id: SectionWithCarousel-styled__ActionGuideParagraph-sc-fad0fb47-7 */ .biyJmv{color:#161616;font-family:'IBM Plex Sans';font-size:16px;font-style:normal;font-weight:700;line-height:24px;width:545px;padding:0;margin-bottom:8px;} @media screen and (max-width:545px){.biyJmv{width:auto;}} .biyJmv .UIWrapperEditIconContainer{top:-1.45rem;right:-1.5rem;} /* sc-component-id: SectionWithCarousel-styled__ActionGuideTitleParagraph-sc-fad0fb47-8 */ .EdVOO{color:#000;font-family:'IBM Plex Sans';font-size:32px;font-style:normal;font-weight:undefined line-height:40px;padding:0;margin-top:8px;} @media screen and (max-width:671px){.EdVOO{font-size:28px;line-height:36px;width:auto;}} .EdVOO .UIWrapperEditIconContainer{top:-1rem;right:-1.5rem;} /* sc-component-id: SectionWithCarousel-styled__ActionGuideTextParagraph-sc-fad0fb47-9 */ .eArzJF{color:#161616;font-family:'IBM Plex Sans';font-size:16px;font-style:normal;font-weight:400;line-height:24px;padding:0;margin-top:16px;} @media screen and (max-width:545px){.eArzJF{margin-right:0;}} @media (max-width:320px){.eArzJF{width:95%;}} .eArzJF .UIWrapperEditIconContainer{top:-1rem;right:-1.5rem;} /* sc-component-id: SectionWithCarousel-styled__IconContainer-sc-fad0fb47-10 */ .fRqPBO{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:row;-ms-flex-direction:row;flex-direction:row;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;} .fRqPBO .carousel-chevron_icon{display:none;} .fRqPBO .carousel-chevron_icon:hover{cursor:pointer;} @media (max-width:671px){.fRqPBO .carousel-chevron_icon{display:block;}.fRqPBO .carousel-arrow_container{display:none;}} @media (max-width:671px){.fRqPBO{margin:0 auto;}} @media screen and (max-width:545px){.fRqPBO{width:auto;}} @media (max-width:320px){.fRqPBO{margin:0;}} /* sc-component-id: SectionWithCarousel-styled__ArrowContainer-sc-fad0fb47-11 */ .gBWjoR{width:48px;height:48px;border:1px solid #0f62fe;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;-webkit-box-pack:center;-webkit-justify-content:center;-ms-flex-pack:center;justify-content:center;background-color:transparent;} .gBWjoR > svg path{color:#0f62fe;} .gBWjoR:hover{cursor:pointer;background-color:#0f62fe;} .gBWjoR:hover > svg path{color:#fff;} /* sc-component-id: SectionWithCarousel-styled__CarouselCircleContainer-sc-fad0fb47-12 */ .eIEiIk{margin:0 30px;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:row;-ms-flex-direction:row;flex-direction:row;} /* sc-component-id: SectionWithCarousel-styled__CarouselCircle-sc-fad0fb47-13 */ .CqDUI{margin:0 8px;} .CqDUI .carousel-circle circle{color:#0F62FE;-webkit-transition:all 250ms ease-in-out 0s;transition:all 250ms ease-in-out 0s;} .CqDUI .carousel-circle circle:hover{cursor:default;}.bcnoiq{margin:0 8px;} .bcnoiq .carousel-circle circle{color:#A6C8FF;-webkit-transition:all 250ms ease-in-out 0s;transition:all 250ms ease-in-out 0s;} .bcnoiq .carousel-circle circle:hover{cursor:pointer;} /* sc-component-id: AudioPlayer__AudioPlayerDiv-sc-a55a69f-0 */ .gAFEcG{margin:5px;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:row;-ms-flex-direction:row;flex-direction:row;-webkit-box-pack:center;-webkit-justify-content:center;-ms-flex-pack:center;justify-content:center;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;} .gAFEcG div.durationTextDiv{line-height:24px;} .gAFEcG div.timeAndTextDiv{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;line-height:24px;} .gAFEcG div.CurrentTimeDiv{padding-right:2px;} .gAFEcG div.DurationDiv{padding-left:2px;}.oTnUj{margin:5px;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:row;-ms-flex-direction:row;flex-direction:row;-webkit-box-pack:center;-webkit-justify-content:center;-ms-flex-pack:center;justify-content:center;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;} .oTnUj div.durationTextDiv{line-height:24px;} .oTnUj div.timeAndTextDiv{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;line-height:24px;} .oTnUj div.CurrentTimeDiv{padding-right:2px;font-size:14px;} .oTnUj div.DurationDiv{padding-left:2px;font-size:14px;} .oTnUj div.DividerDiv{font-size:14px;} /* sc-component-id: AudioPlayer__ProgressBarDiv-sc-a55a69f-1 */ .JIBbn{display:unset;width:60%;margin-right:10px;padding-bottom:5px;} .JIBbn .ProgressBar{--seek-before-width:0;-webkit-appearance:none;-moz-appearance:none;appearance:none;width:100%;height:1px;outline:none;opacity:0.7;-webkit-transition:opacity 0.2s;transition:opacity 0.2s;box-sizing:border-box;border:1px solid #198038;} .JIBbn .ProgressBar:hover{opacity:1;} .JIBbn .progressBar::before{border:1px red solid;content:'';height:1px;width:var( --seek-before-width );cursor:pointer;} .JIBbn .ProgressBar::-webkit-slider-thumb{-webkit-appearance:none;-webkit-appearance:none;-moz-appearance:none;appearance:none;width:16px;height:16px;cursor:pointer;border-radius:50%;background-color:#000000;} .JIBbn .ProgressBar::-moz-range-thumb{width:16px;height:16px;cursor:pointer;border-radius:50%;background:#000000;}.bHOHTi{display:none;width:60%;margin-right:10px;padding-bottom:5px;} .bHOHTi .ProgressBar{--seek-before-width:0;-webkit-appearance:none;-moz-appearance:none;appearance:none;width:100%;height:1px;outline:none;opacity:0.7;-webkit-transition:opacity 0.2s;transition:opacity 0.2s;box-sizing:border-box;border:1px solid #198038;} .bHOHTi .ProgressBar:hover{opacity:1;} .bHOHTi .progressBar::before{border:1px red solid;content:'';height:1px;width:var( --seek-before-width );cursor:pointer;} .bHOHTi .ProgressBar::-webkit-slider-thumb{-webkit-appearance:none;-webkit-appearance:none;-moz-appearance:none;appearance:none;width:16px;height:16px;cursor:pointer;border-radius:50%;background-color:#000000;} .bHOHTi .ProgressBar::-moz-range-thumb{width:16px;height:16px;cursor:pointer;border-radius:50%;background:#000000;} /* sc-component-id: AudioPlayer__PlayPauseButton-sc-a55a69f-2 */ .chgDqP{border:none;background:none;cursor:pointer;padding-top:5px;}.czvyaY{height:52px;width:52px;background-color:#0F62FE !important;border-radius:50%;margin-right:16px;margin-top:6px;margin-left:6px;padding:6px 0 0 2px;border:none;background:none;cursor:pointer;} .czvyaY svg{fill:#FFFFFF;} /* sc-component-id: AudioPlayer__PlayPauseButtonContainer-sc-a55a69f-3 */ .djHskW{height:64px;width:64px;border-radius:50%;margin-right:6px;background-image:conic-gradient(#FF832B 0%,#D0E2FF 0);} /* sc-component-id: Letter-styled__ContinueText-sc-aa5eec3e-0 */ .bqOfyR{color:#0f62fe;font-style:normal;font-weight:400;line-height:1.5rem;cursor:pointer;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;} /* sc-component-id: Letter-styled__LetterText-sc-aa5eec3e-1 */ .eAAFwW{font-style:normal;font-weight:400;line-height:1.5rem;padding-bottom:1rem;} .eAAFwW .UIWrapperEditIconContainer{top:-1rem;right:-0.5rem;} /* sc-component-id: Letter-styled__LetterTextContainer-sc-aa5eec3e-2 */ .WoIDl{position:relative;border-top:0.063rem solid #a8a8a8;border-bottom:0.063rem solid #a8a8a8;padding:1.5rem 0;} @media (max-width:1056px){.WoIDl{border-bottom:0.063rem solid ({theme:e})=>e.colors.gray[40];}} @media (min-width:1055px){.WoIDl{width:60%;}}.bXUPhP{position:relative;border-top:0.063rem solid #a8a8a8;border-bottom:0.063rem solid #a8a8a8;padding:1.5rem 0;} @media (max-width:1056px){.bXUPhP{border-bottom:0.063rem solid ({theme:e})=>e.colors.gray[40];}} @media (min-width:1055px){.bXUPhP{width:100%;}} /* sc-component-id: Letter-styled__LetterTextHeader-sc-aa5eec3e-3 */ .bNJRDz{font-size:1.25rem;font-style:normal;font-weight:400;line-height:1.5rem;padding-bottom:1.5rem;} .bNJRDz .UIWrapperEditIconContainer{top:-1.25rem;right:-1.6rem;} /* sc-component-id: SectionIntroVideo-styled__Video-sc-7f17a68-0 */ .diftcj{width:100%;padding:0 0;} .diftcj .ibm-grid-container{margin-left:0rem;margin-right:0rem;} @media (min-width:320px){.diftcj .ibm-grid-container{padding:0;background-color:#e1e1e1;}} @media (min-width:672px){.diftcj .ibm-grid-container{padding:unset;background-color:unset;margin-left:32px;margin-right:32px;}} @media (min-width:1056px){.diftcj .ibm-grid-container{margin-left:auto;margin-right:auto;}} /* sc-component-id: SectionIntroVideo-styled__Wrapper-sc-7f17a68-1 */ .etdbtN{background:linear-gradient( to bottom,transparent 50%,#f4f4f4 1.25rem );position:relative;bottom:0;} @media (min-width:672px){.etdbtN{bottom:21.5rem;}} /* sc-component-id: SectionOutro-styled__Text-sc-8e6f18cb-2 */ .gZtQOt{font-weight:400;line-height:1.5rem;padding-bottom:1rem;width:100%;} @media (min-width:672px){.gZtQOt{width:80%;}} @media (min-width:1056px){.gZtQOt{width:70%;}} .gZtQOt .UIWrapperEditIconContainer{top:-1rem;right:-1.5rem;} /* sc-component-id: SectionOutro-styled__TextContainer-sc-8e6f18cb-3 */ .fSaGGM{margin-bottom:2.5rem;} @media (min-width:672px){.fSaGGM{padding-left:0;margin-bottom:0;}.fSaGGM #AccordionWithLinedList_1 .cds--accordion__wrapper{width:85%;}} @media (min-width:1056px){.fSaGGM #AccordionWithLinedList_1 .cds--accordion__wrapper{width:unset;}} /* sc-component-id: SectionOutro-styled__TextTitle-sc-8e6f18cb-4 */ .caDJTO{color:#007d79;font-size:3.375rem;font-weight:300;line-height:4rem;padding-bottom:2.5rem;} @media (min-width:1056px){.caDJTO{padding-bottom:5rem;}} .caDJTO .UIWrapperEditIconContainer{top:-1.25rem;right:-1.2rem;} /* sc-component-id: SectionOutro-styled__TextSubtitle-sc-8e6f18cb-5 */ .jKuJtx{font-size:1rem;font-weight:600;line-height:1.5rem;padding-bottom:1.5rem;width:70%;} /* sc-component-id: SectionOutro-styled__LetterLeftWrapper-sc-8e6f18cb-6 */ .glkJcy{display:none;} @media (min-width:1056px){.glkJcy{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-items:flex-end;-webkit-box-align:flex-end;-ms-flex-align:flex-end;align-items:flex-end;}} .glkJcy #letter_outro{border-top:0.063rem solid #e0e0e0;border-bottom:0.063rem solid #e0e0e0;} /* sc-component-id: SectionOutro-styled__LetterRightWrapper-sc-8e6f18cb-7 */ .FYvki{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-items:flex-end;-webkit-box-align:flex-end;-ms-flex-align:flex-end;align-items:flex-end;padding:0;} .FYvki (min-width:672px){padding-bottom:0rem;} @media (min-width:1056px){.FYvki{display:none;}} .FYvki #letter_outro{border-top:0.063rem solid #e0e0e0;border-bottom:none;padding-bottom:0;} @media (min-width:672px){.FYvki #letter_outro{border-bottom:0.063rem solid #e0e0e0;padding-bottom:1.5rem;}} /* sc-component-id: SectionOutro-styled__Divider-sc-8e6f18cb-8 */ .hTwSNk{display:none;} @media (min-width:672px){.hTwSNk{display:block;}} @media (min-width:1056px){.hTwSNk{display:none;}} /* sc-component-id: SectionOutro-styled__Wrapper-sc-8e6f18cb-9 */ .DWZJH{position:relative;padding-top:7.5rem;} @media (min-width:1056px){.DWZJH{padding-top:10rem;}} @media (min-width:672px){.DWZJH{padding-bottom:4.4375rem;}.DWZJH .ibm-grid-container{margin:0 32px;}} @media (min-width:1056px){.DWZJH{padding-bottom:2.563rem;}.DWZJH .ibm-grid-container{margin:0 auto;}} @media (min-width:672px){.DWZJH .section-outro-background-image{object-position:right 100% top 0;object-fit:contain;-webkit-transform:scaleX(-1);-ms-transform:scaleX(-1);transform:scaleX(-1);}} @media (max-width:671px){.DWZJH .section-outro-background-image{object-position:right 100% top 0;object-fit:contain;}} /* sc-component-id: SectionOutro-styled__TextParagraphContainer-sc-8e6f18cb-10 */ .kPSWNj{padding-bottom:1.5rem;} @media (min-width:1056px){.kPSWNj{padding-bottom:0;}} /* sc-component-id: SectionOutro-styled__ImageWrapper-sc-8e6f18cb-11 */ .fRJqCy{position:absolute;right:0;top:0;height:100%;max-width:370px;width:100%;} @media (min-width:672px){.fRJqCy{max-width:740px;}} @media (min-width:1056px){.fRJqCy{max-width:1000px;}} /* sc-component-id: SectionOutro-styled__ButtonGroupContainer-sc-8e6f18cb-12 */ .kDFaoc{padding-top:0.5rem;padding-bottom:0 !important;padding-left:0rem;} .kDFaoc #ButtonGroup__CustomDownloadBtnContainer{padding-bottom:0 !important;margin:0;} .kDFaoc #ButtonGroup__CustomDownloadBtnContainer > div{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;gap:1rem;padding-right:1rem;} @media (min-width:672px){.kDFaoc #ButtonGroup__CustomDownloadBtnContainer > div{min-width:unset;}} .kDFaoc #ButtonGroup__CustomDownloadBtnContainer .button-primary,.kDFaoc #ButtonGroup__CustomDownloadBtnContainer .button-secondary,.kDFaoc #ButtonGroup__CustomDownloadBtnContainer .button-secondary-rebrand{-webkit-flex-direction:initial;-ms-flex-direction:initial;flex-direction:initial;-webkit-box-pack:justify;-webkit-justify-content:space-between;-ms-flex-pack:justify;justify-content:space-between;margin-bottom:0;padding-bottom:0 !important;width:100%;} @media (min-width:672px){.kDFaoc #ButtonGroup__CustomDownloadBtnContainer .button-primary,.kDFaoc #ButtonGroup__CustomDownloadBtnContainer .button-secondary,.kDFaoc #ButtonGroup__CustomDownloadBtnContainer .button-secondary-rebrand{width:21rem;}} /* sc-component-id: Subscribe__MainDiv-sc-e970dcf4-0 */ .jPqkHf{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-box-pack:justify;-webkit-justify-content:space-between;-ms-flex-pack:justify;justify-content:space-between;max-width:unset;-webkit-align-items:center !important;-webkit-box-align:center !important;-ms-flex-align:center !important;align-items:center !important;padding-bottom:18px;} .jPqkHf > span{padding-top:3px;min-width:initial;font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-weight:600;font-size:14px;color:#3d3d3d;-webkit-letter-spacing:0.16px;-moz-letter-spacing:0.16px;-ms-letter-spacing:0.16px;letter-spacing:0.16px;line-height:18px;} .jPqkHf > div{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-items:center !important;-webkit-box-align:center !important;-ms-flex-align:center !important;align-items:center !important;} .jPqkHf > div a{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-items:center !important;-webkit-box-align:center !important;-ms-flex-align:center !important;align-items:center !important;color:#3d3d3d;} .jPqkHf .ibm-icononly a{margin-right:10px;margin-bottom:initial;width:1.7rem;height:1.7rem;}.mWdjL{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-box-pack:justify;-webkit-justify-content:space-between;-ms-flex-pack:justify;justify-content:space-between;max-width:unset;-webkit-align-items:center !important;-webkit-box-align:center !important;-ms-flex-align:center !important;align-items:center !important;padding-bottom:3px;} .mWdjL > span{padding-top:3px;min-width:initial;font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-weight:600;font-size:14px;color:#3d3d3d;-webkit-letter-spacing:0.16px;-moz-letter-spacing:0.16px;-ms-letter-spacing:0.16px;letter-spacing:0.16px;line-height:18px;} .mWdjL > div{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-items:center !important;-webkit-box-align:center !important;-ms-flex-align:center !important;align-items:center !important;} .mWdjL > div a{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-items:center !important;-webkit-box-align:center !important;-ms-flex-align:center !important;align-items:center !important;color:#3d3d3d;} .mWdjL .ibm-icononly a{margin-right:10px;margin-bottom:0px;width:1.7rem;height:1.7rem;}.fDqoaQ{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-box-pack:justify;-webkit-justify-content:space-between;-ms-flex-pack:justify;justify-content:space-between;max-width:unset;-webkit-align-items:center !important;-webkit-box-align:center !important;-ms-flex-align:center !important;align-items:center !important;padding-bottom:25px;} .fDqoaQ > span{padding-top:3px;min-width:initial;font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-weight:600;font-size:14px;color:#3d3d3d;-webkit-letter-spacing:0.16px;-moz-letter-spacing:0.16px;-ms-letter-spacing:0.16px;letter-spacing:0.16px;line-height:18px;} .fDqoaQ > div{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-items:center !important;-webkit-box-align:center !important;-ms-flex-align:center !important;align-items:center !important;} .fDqoaQ > div a{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-items:center !important;-webkit-box-align:center !important;-ms-flex-align:center !important;align-items:center !important;color:#3d3d3d;} .fDqoaQ .ibm-icononly a{margin-right:10px;margin-bottom:initial;width:1.7rem;height:1.7rem;}.gMnXIG{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-box-pack:justify;-webkit-justify-content:space-between;-ms-flex-pack:justify;justify-content:space-between;max-width:unset;-webkit-align-items:center !important;-webkit-box-align:center !important;-ms-flex-align:center !important;align-items:center !important;padding-bottom:3px;} .gMnXIG > span{padding-top:3px;min-width:-webkit-fit-content;min-width:-moz-fit-content;min-width:fit-content;font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-weight:600;font-size:14px;color:#3d3d3d;-webkit-letter-spacing:0.16px;-moz-letter-spacing:0.16px;-ms-letter-spacing:0.16px;letter-spacing:0.16px;line-height:18px;} .gMnXIG > div{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-items:center !important;-webkit-box-align:center !important;-ms-flex-align:center !important;align-items:center !important;} .gMnXIG > div a{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-items:center !important;-webkit-box-align:center !important;-ms-flex-align:center !important;align-items:center !important;color:#3d3d3d;} .gMnXIG .ibm-icononly a{margin-right:10px;margin-bottom:initial;width:1.7rem;height:1.7rem;} /* sc-component-id: SaveShare__ShareDiv-sc-5e6502cb-0 */ .fiZoXE{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-box-pack:justify;-webkit-justify-content:space-between;-ms-flex-pack:justify;justify-content:space-between;max-width:unset;-webkit-align-items:center !important;-webkit-box-align:center !important;-ms-flex-align:center !important;align-items:center !important;padding-bottom:16px;} .fiZoXE button{-webkit-transform:scale(0.857142857142857);-ms-transform:scale(0.857142857142857);transform:scale(0.857142857142857);} .fiZoXE > span{padding-top:3px;font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-weight:600;font-size:16px;color:#161616;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:24px;} .fiZoXE > div{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-items:center 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sc-component-id: Page-styled__MainContainer-sc-20433f82-1 */ @media (min-width:320px) and (max-width:671px){.hEQLHg{margin-left:0;margin-right:0;}} /* sc-component-id: Page-styled__DesktopReportListWrapperDiv-sc-50ab1fd2-0 */ .eBNoJQ{display:none;} @media (min-width:1056px){.eBNoJQ{display:block;}} /* sc-component-id: Page-styled__MobileReportListWrapperDiv-sc-50ab1fd2-1 */ .cTuKta .report-list__title-div{padding-left:0;margin-bottom:2rem;} .cTuKta .report-list__item{margin-bottom:0.5rem;} .cTuKta > :first-child{padding-top:0 !important;padding-bottom:3.5rem !important;} @media (min-width:1056px){.cTuKta{display:none;}} /* sc-component-id: Page-styled__BookmarkShareWrapper-sc-50ab1fd2-2 */ .kNcRaJ{padding-bottom:3.5rem;} @media (min-width:1056px){.kNcRaJ{display:none;}} /* sc-component-id: SectionBookPages__Wrapper-sc-131f9725-2 */ .jKkelM{background-color:#f4f4f4;padding:6.5rem 0rem;} .jKkelM .next-image-pb{padding-bottom:1rem !important;} @media (min-width:672px){.jKkelM{padding:6rem 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(min-width:1056px){.jrcgCP #download-the-digital-edition,.jrcgCP #get-additional-insights-via-email{width:21rem;}} @media (max-width:1270px){.jrcgCP .button-group_buttons{-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;}} .jrcgCP #download_translation_dropdown_wrapper{margin-top:0.313rem;width:100%;} .jrcgCP #download_translation_dropdown_wrapper #TranslationTitle_Id{color:#161616 !important;} @media (min-width:672px){.jrcgCP #download_translation_dropdown_wrapper{width:21rem;}} @media (min-width:1056px){.jrcgCP #download_translation_dropdown_wrapper{width:50%;padding-right:10px;}} .jrcgCP #download_translation_dropdown_wrapper .cds--dropdown{min-height:3rem;height:3rem;} /* sc-component-id: SectionOutro__DateWrapper-sc-c998d2b2-2 */ .ftFmfD{display:none;padding-left:1rem;font-size:14px;font-size:0.875rem;font-weight:400;line-height:1.125rem;} @media (min-width:1056px){.ftFmfD{display:block;}} /* sc-component-id: SectionOutro__Divider-sc-c998d2b2-3 */ @media (min-width:672px){.jYqsgS{display:none;}} @media (min-width:1056px){.jYqsgS{display:block;}} /* sc-component-id: SectionOutro__ImageWrapper-sc-c998d2b2-4 */ .jTSvKe{padding-bottom:1rem;} @media (min-width:672px){.jTSvKe{padding-bottom:0;}} /* sc-component-id: SectionOutro__TextContainer-sc-c998d2b2-7 */ .ioDenH{margin:auto 0rem;} /* sc-component-id: SectionOutro__TextTitle-sc-c998d2b2-8 */ .jNJaQO{font-size:1.75rem;font-weight:200;line-height:2.25rem;padding-bottom:2rem;} @media (min-width:672px){.jNJaQO{font-size:2.625rem;line-height:3.125rem;}} /* sc-component-id: SectionOutro__Wrapper-sc-c998d2b2-9 */ .fxmdSn{padding:3.75rem 0rem;} /* sc-component-id: DownloadButtonSection-styled__ButtonWrapper-sc-eafbfc89-1 */ .daASvw{margin:0 1rem 1rem 1rem;} .daASvw a{padding-right:15px;} .daASvw ul li:before{display:none;} .daASvw .carousel,.daASvw .control-buttons{display:none;} @media (min-width:672px){.daASvw{display:-webkit-inline-box;display:-webkit-inline-flex;display:-ms-inline-flexbox;display:inline-flex;padding:1rem 2rem;margin:0;background-color:#ffffff;}.daASvw .carousel{display:block;position:relative;}.daASvw .carousel .control-dots{width:calc(100% - 2rem);}.daASvw .carousel .control-dots .dot{width:calc((100% - 2rem) / 46);margin-bottom:2px;padding-left:unset;padding-top:unset;}.daASvw .control-buttons{display:-webkit-inline-box;display:-webkit-inline-flex;display:-ms-inline-flexbox;display:inline-flex;}.daASvw .control-buttons span:nth-child(2){margin-left:1rem;}} @media (min-width:1056px){.daASvw{padding:1rem 2.5rem;}.daASvw .carousel .control-dots .dot{width:calc((100% - 2rem) / 30);max-width:24px;margin:0 calc(4px + 0.1vw);}} /* sc-component-id: Page-styled__CarouselWrapper-sc-735151ce-0 */ .dALPCt{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;-webkit-box-pack:center;-webkit-justify-content:center;-ms-flex-pack:center;justify-content:center;height:calc(100dvh - 99px - 0px);} .dALPCt a{z-index:1;position:relative;} .dALPCt .control-dots{width:calc(100vw - 2rem);margin:0 1rem;padding:0 0 1rem 0;} @media (min-width:672px){.dALPCt .control-dots:not(.md){display:none;}} .dALPCt .control-dots .dot{cursor:default;border-radius:unset;width:6px;height:0.125rem;margin:0 2.5px;background:#a8a8a8;opacity:unset;box-shadow:unset;} @media (min-width:672px){.dALPCt .control-dots .dot{width:1rem;}} .dALPCt .control-dots .dot.selected{background:#0f62fe;} /* sc-component-id: Page-styled__StyledCarousel-sc-735151ce-1 */ .fYEyhf{height:100%;width:100%;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;-webkit-box-pack:center;-webkit-justify-content:center;-ms-flex-pack:center;justify-content:center;background-color:transparent;min-height:calc(100dvh - 99px - 80px - 0px);} .fYEyhf .carousel{height:100%;} .fYEyhf .carousel .slider-wrapper{height:100% !important;} .fYEyhf .carousel .slider-wrapper .slider{height:100%;} .fYEyhf .carousel .slider-wrapper .slide{text-align:unset;} .fYEyhf li::before{display:none;} .fYEyhf li.slide{padding:0 1rem;} .fYEyhf li.dot{padding-left:unset;padding-top:unset;} .fYEyhf button.control-arrow.control-next{display:none;} .fYEyhf button.control-arrow.control-prev{display:none;} @media (min-width:672px){.fYEyhf{border-bottom:1px solid #c6c6c6;}.fYEyhf li.slide{padding:0 2rem;}.fYEyhf button.control-arrow{display:none;}} @media (min-width:1056px){.fYEyhf li.slide{padding:0 2.5rem;}} .fYEyhf .cds--modal{-webkit-block-size:85vh;-ms-flex-block-size:85vh;block-size:85vh;} /* sc-component-id: BookmarkShareAssetAuthor__AuthorsP-sc-1156358a-0 */ .jaatql{font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-weight:600;font-size:16px;color:#3d3d3d;-webkit-letter-spacing:0.16px;-moz-letter-spacing:0.16px;-ms-letter-spacing:0.16px;letter-spacing:0.16px;line-height:18px;margin-bottom:8px;} /* sc-component-id: BookmarkShareAssetAuthor__AssetDividerWrapperDiv-sc-1156358a-1 */ @media (max-width:1055px){.bvUQJf{padding-top:24px;}} /* sc-component-id: BookmarkShareAssetAuthor__MainWrapper-sc-1156358a-2 */ .dnEWwM{padding-left:0px;padding-right:0px;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;position:absolute;} @media (max-width:1056px){.dnEWwM{position:unset;}} @media (min-width:1056px){.dnEWwM{max-width:100%;}} /* sc-component-id: BookmarkShareAssetAuthor__BookmarkDiv-sc-1156358a-3 */ .eeIUHx{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;font-weight:600;font-size:16px;color:#323232;line-height:22px;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;margin-bottom:12px;} .eeIUHx > span{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;white-space:nowrap;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;margin-right:15px;font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-weight:600;font-size:16px;color:#161616;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:24px;} .eeIUHx > div{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;} /* sc-component-id: BookmarkShareAssetAuthor__ShareDiv-sc-1156358a-4 */ .bFlsAq div{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-items:center !important;-webkit-box-align:center !important;-ms-flex-align:center !important;align-items:center !important;} .bFlsAq div a[class*='-mono-link']::before{color:#0f62fe;width:27.9px;} /* sc-component-id: BookmarkShareAssetAuthor__DownloadTranslationWrapperDiv-sc-1156358a-5 */ .EEZjn{margin-top:5px;} .EEZjn #TranslationTitle_Id{color:#161616 !important;} /* sc-component-id: Overview__SubheadingDiv-sc-727c2132-1 */ .eZUijo{font-size:32px;line-height:40px;font-family:'IBM Plex Sans';color:#161616;font-weight:300;padding-bottom:2rem;} @media (max-width:670px){.eZUijo{font-size:36px;color:#161616;font-family:'IBM Plex Sans';font-weight:300;}} /* sc-component-id: Overview__TextContainer-sc-727c2132-2 */ .hktatz{-webkit-box-pack:justify;-webkit-justify-content:space-between;-ms-flex-pack:justify;justify-content:space-between;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;line-height:1.2rem;padding:0 0 15px;} /* sc-component-id: Overview__TextSpan-sc-727c2132-3 */ .gvGpLk{font-size:1rem;color:#161616;font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;-webkit-letter-spacing:0rem;-moz-letter-spacing:0rem;-ms-letter-spacing:0rem;letter-spacing:0rem;} .gvGpLk .bigText{font-size:28px;border-left:2px solid #33b1ff;padding:30px 0px 30px 24px;font-weight:bolder;margin-top:25px;margin-bottom:25px;line-height:1.5rem;} /* sc-component-id: Overview__SevenBetsDesktopVideo-sc-727c2132-4 */ @media (max-width:524px){.hVvKLu{display:none;}} /* sc-component-id: Overview__SevenBetsMobileVideo-sc-727c2132-5 */ @media (min-width:525px){.jUaslE{display:none;}} /* sc-component-id: Overview__BookmarkShareAssetAuthorWrapper-sc-727c2132-6 */ .zIXHo{z-index:1;position:relative;} @media (max-width:1055px){.zIXHo{display:none;}} /* sc-component-id: Page-styled__BookmarkShareAssetAuthorWrapper-sc-de545abb-0 */ .hqwvAM{z-index:1;position:relative;} @media (min-width:1056px){.hqwvAM{display:none;}} /* sc-component-id: SectionIBMHelp__ConnectDiv-sc-b2ce93e6-0 */ .fprnsQ{padding-top:64px;} @media (max-width:1065px){.fprnsQ{padding-top:0px;margin-left:0px;margin-right:0px;}} @media (width:1055px){.fprnsQ{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:row;-ms-flex-direction:row;flex-direction:row;-webkit-box-pack:center;-webkit-justify-content:center;-ms-flex-pack:center;justify-content:center;}} /* sc-component-id: SectionIBMHelp__SectionTitleDiv-sc-b2ce93e6-1 */ .eToGoF{font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-weight:500;font-size:30px;color:#161616;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:36px;padding-left:16px;} @media (width:1055px){.eToGoF{margin-left:7%;}} /* sc-component-id: SectionIBMHelp__CardSpaces-sc-b2ce93e6-2 */ @media (min-width:1055px){.cCGwad{display:none;}} /* sc-component-id: SectionIBMHelp__MLinkCardContainer-sc-b2ce93e6-3 */ @media (max-width:671px){.gfSZIw{border-bottom:1px solid #d1d1d1;}} /* sc-component-id: SevenBetsMobileNavigation__Navigation-sc-78052d83-0 */ .tNGLp{position:fixed;top:-48px;z-index:100;color:white;width:100%;vertical-align:middle;height:unset;} @media (min-width:1056px){.tNGLp{display:none;}} /* sc-component-id: SevenBetsMobileNavigation__NavigationButton-sc-78052d83-1 */ .KfIGC{min-height:40px;min-width:100%;font-size:1rem;} /* sc-component-id: SmallCard__Container-sc-86f52024-0 */ .eaaYwK{position:relative;background:#e5f5ff;height:100%;min-height:148px;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;-webkit-box-pack:justify;-webkit-justify-content:space-between;-ms-flex-pack:justify;justify-content:space-between;padding:15px;cursor:pointer;overflow:auto;font-size:16px;color:#171717;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;overflow:hidden;line-height:24px;pointer-events:auto;} .eaaYwK:hover{background:#b9e6ff;} @media (max-width:1055px){.eaaYwK{padding-top:1px !important;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:row;-ms-flex-direction:row;flex-direction:row;-webkit-box-pack:start;-webkit-justify-content:start;-ms-flex-pack:start;justify-content:start;min-height:75px !important;}} @media (max-width:1065px){.eaaYwK{-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;}} @media (max-width:670px){.eaaYwK{-webkit-flex-direction:row;-ms-flex-direction:row;flex-direction:row;-webkit-align-items:baseline;-webkit-box-align:baseline;-ms-flex-align:baseline;align-items:baseline;}}.gnWrIk{position:relative;background:#e5f5ff;height:100%;min-height:148px;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;-webkit-box-pack:justify;-webkit-justify-content:space-between;-ms-flex-pack:justify;justify-content:space-between;padding:15px;cursor:pointer;overflow:auto;font-size:16px;color:#171717;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;overflow:hidden;line-height:24px;pointer-events:none;} .gnWrIk:hover{background:#b9e6ff;} @media (max-width:1055px){.gnWrIk{padding-top:1px !important;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:row;-ms-flex-direction:row;flex-direction:row;-webkit-box-pack:start;-webkit-justify-content:start;-ms-flex-pack:start;justify-content:start;min-height:75px !important;}} @media (max-width:1065px){.gnWrIk{-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;}} @media (max-width:670px){.gnWrIk{-webkit-flex-direction:row;-ms-flex-direction:row;flex-direction:row;-webkit-align-items:baseline;-webkit-box-align:baseline;-ms-flex-align:baseline;align-items:baseline;}} /* sc-component-id: SmallCard__Image-sc-86f52024-1 */ .cgdEFl{position:absolute;right:-10px;bottom:-10px;} .cgdEFl img{width:120px;} @media (max-width:1065px){.cgdEFl{display:none;}} @media (max-width:670px){.cgdEFl{display:none;}} /* sc-component-id: SmallCard__IconRow-sc-86f52024-3 */ .eREkXS{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-box-pack:start;-webkit-justify-content:flex-start;-ms-flex-pack:start;justify-content:flex-start;margin-top:0px;} @media (max-width:1055px){.eREkXS{padding-top:40px;}} @media (max-width:670px){.eREkXS{padding-top:20px;padding-left:20px;margin-left:auto;}} /* sc-component-id: SmallCard__Arrow-sc-86f52024-4 */ .cwxuoL{text-align:left;margin-right:17.2px;margin-bottom:15px;font-size:25px;color:#0f62fe;} .cwxuoL:hover{color:#0f62fe;} .cwxuoL img{width:18.8px !important;height:15px !important;margin-right:3px;margin-bottom:3px;} /* sc-component-id: SmallCard__Title-sc-86f52024-7 */ .IDfDC{padding-top:16px;font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-size:20px;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;color:#161616;line-height:26px;} /* sc-component-id: Trends__Wrapper-sc-c503a054-0 */ @media (max-width:670px){.iAgSLk{background-color:#e5f5ff;padding-top:48px;margin:40px 0px;}} @media (min-width:671px){.iAgSLk{display:unset;}}@media (max-width:670px){.dLcGms{background-color:#e5f5ff;padding-top:48px;margin:40px 0px;}} @media (min-width:671px){.dLcGms{display:none;}} /* sc-component-id: Trends__Title-sc-c503a054-1 */ .fnVJNq{font-size:32px;font-weight:300;} /* sc-component-id: Trends__CardsWrapper-sc-c503a054-2 */ @media (min-width:670px){.fPgVgt div div[class*='SmallCard__Container-']{-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;}.fPgVgt div div[class*='SmallCard__Container-'] div{font-size:28px;font-family:'IBM Plex Sans';font-weight:300;padding-left:0px;padding-top:30px !important;}} /* sc-component-id: Page-styled__AssetDiv-sc-e4729821-0 */ @media (max-width:671px){.cUKHwv{display:none !important;}} /* sc-component-id: Page-styled__BookmarkDiv-sc-e4729821-2 */ .iJpDAo{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-weight:600;font-size:16px;color:#323232;line-height:22px;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;margin-bottom:12px;} .iJpDAo > span{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;white-space:nowrap;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-weight:600;font-size:14px;color:#3d3d3d;-webkit-letter-spacing:0.16px;-moz-letter-spacing:0.16px;-ms-letter-spacing:0.16px;letter-spacing:0.16px;line-height:18px;} .iJpDAo > div{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;padding-left:7px;} /* sc-component-id: Page-styled__FullReportBox-sc-e4729821-3 */ .cNJIhR{background-color:#0062FF !important;border-color:#0062FF !important;outline-color:#0062FF !important;border:1px solid;margin-top:30px;margin-left:3px;outline:solid 1px;text-align:left;font-size:14px;color:#ffffff !important;cursor:pointer;box-sizing:border-box;font-size:16px;line-height:20px;width:248px;height:48px;padding:0px 16px;text-align:left;-webkit-text-decoration:none;text-decoration:none;-webkit-transition:border 0.3s,color 0.3s,background-color 0.3s;transition:border 0.3s,color 0.3s,background-color 0.3s;white-space:normal;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-box-pack:justify;-webkit-justify-content:space-between;-ms-flex-pack:justify;justify-content:space-between;} .cNJIhR span{display:inline-block;line-height:18px;margin:auto 0;} .cNJIhR:hover{background-color:#0354e9 !important;border-color:#0354e9 !important;outline-color:#0354e9 !important;-webkit-text-decoration:none;text-decoration:none;} .cNJIhR > i{height:15px;width:18.8px;display:inline-block;margin-left:20px;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;margin:15px 0 auto 0;} .cNJIhR > i > img{height:15px;width:18.8px;} /* sc-component-id: Page-styled__FullReportBoxMobileBottomSecond-sc-e4729821-4 */ .gBDeoT{background-color:#0062FF !important;border-color:#0062FF !important;outline-color:#0062FF !important;border:1px solid;margin-top:30px;margin-left:3px;outline:solid 1px;text-align:left;font-size:14px;color:#ffffff !important;cursor:pointer;box-sizing:border-box;font-size:16px;line-height:20px;width:248px;height:48px;padding:0px 16px;text-align:left;-webkit-text-decoration:none;text-decoration:none;-webkit-transition:border 0.3s,color 0.3s,background-color 0.3s;transition:border 0.3s,color 0.3s,background-color 0.3s;white-space:normal;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-box-pack:justify;-webkit-justify-content:space-between;-ms-flex-pack:justify;justify-content:space-between;margin-top:18px;margin-bottom:20px;background-color:#393939 !important;border-color:#393939 !important;outline-color:#393939 !important;} .gBDeoT span{display:inline-block;line-height:18px;margin:auto 0;} .gBDeoT:hover{background-color:#0354e9 !important;border-color:#0354e9 !important;outline-color:#0354e9 !important;-webkit-text-decoration:none;text-decoration:none;} .gBDeoT > i{height:15px;width:18.8px;display:inline-block;margin-left:20px;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;margin:15px 0 auto 0;} .gBDeoT > i > img{height:15px;width:18.8px;} .gBDeoT:hover{background-color:#000000 !important;border-color:#000000 !important;outline-color:#000000 !important;color:#ffffff;} /* sc-component-id: Page-styled__AuthorsP-sc-e4729821-6 */ .cUHBti{font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-weight:600;font-size:16px;color:#3d3d3d;-webkit-letter-spacing:0.16px;-moz-letter-spacing:0.16px;-ms-letter-spacing:0.16px;letter-spacing:0.16px;line-height:18px;margin-bottom:0px;} /* sc-component-id: Page-styled__SubtitleSpan-sc-e4729821-7 */ .WDBfo{max-width:548px;font-size:28px;color:#666666;font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;-webkit-letter-spacing:0px;-moz-letter-spacing:0px;-ms-letter-spacing:0px;letter-spacing:0px;line-height:36px;} @media (max-width:671px){.WDBfo{display:none;}} /* sc-component-id: Page-styled__SectionTopLessThanBIG-sc-e4729821-8 */ .hleFVS{display:none !important;} @media (max-width:1055px){.hleFVS{display:block !important;}} /* sc-component-id: Page-styled__ScrollableDownloadDiv-sc-e4729821-9 */ .lfVoPc > a > span{width:170px;} @media (max-width:1055px){.lfVoPc{display:none !important;}} /* sc-component-id: Page-styled__ScrollableDownloadSecondDiv-sc-e4729821-10 */ .cOkKtk{margin-top:28px;} .cOkKtk > a > span{width:170px;} @media (max-width:1055px){.cOkKtk{display:none !important;}} .cOkKtk > a{color:#0f62fe;border:1px solid #0f62fe;width:248px;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;height:48px;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;-webkit-box-pack:center;-webkit-justify-content:center;-ms-flex-pack:center;justify-content:center;} .cOkKtk > a span{display:inline-block;line-height:18px;} .cOkKtk > a > i{height:15px;width:18.8px;display:inline-block;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;margin:15px 0 auto 20px;} .cOkKtk > a > i > img{height:15px;width:18.8px;} /* sc-component-id: Page-styled__DesktopReportListWrapperDiv-sc-59d8b059-1 */ @media (max-width:1055px){.kloqSB{display:none;}} /* sc-component-id: 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#download-the-digital-edition{min-height:3.125rem !important;} .dTaSJU #download-the-digital-edition .cds--list-box__label{text-overflow:unset;} .dTaSJU #download-the-digital-edition,.dTaSJU #get-more-insights-via-email,.dTaSJU #get-additional-insights-via-email,.dTaSJU #request-free-copy-of-the-book{width:100%;} @media (min-width:390px){.dTaSJU #download-the-digital-edition,.dTaSJU #get-more-insights-via-email,.dTaSJU #get-additional-insights-via-email,.dTaSJU #request-free-copy-of-the-book{min-width:21rem;}} @media (min-width:672px){.dTaSJU #download-the-digital-edition,.dTaSJU #get-more-insights-via-email,.dTaSJU #get-additional-insights-via-email,.dTaSJU #request-free-copy-of-the-book{width:21rem;}} @media (min-width:1056px){.dTaSJU #download-the-digital-edition,.dTaSJU #get-more-insights-via-email,.dTaSJU #get-additional-insights-via-email,.dTaSJU #request-free-copy-of-the-book{width:50%;}} .dTaSJU #download-the-digital-edition span,.dTaSJU #get-more-insights-via-email span,.dTaSJU #get-additional-insights-via-email span,.dTaSJU #request-free-copy-of-the-book span{padding-right:20px;} @media (min-width:672px){.dTaSJU #download-the-digital-edition .icon-arrow,.dTaSJU #get-more-insights-via-email .icon-arrow,.dTaSJU #get-additional-insights-via-email .icon-arrow,.dTaSJU #request-free-copy-of-the-book .icon-arrow{margin:auto 0px auto auto;}} @media (min-width:1056px){.dTaSJU #download-the-digital-edition,.dTaSJU #request-free-copy-of-the-book,.dTaSJU #get-additional-insights-via-email{width:21rem;}} @media (max-width:1270px){.dTaSJU .button-group_buttons{-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;}} .dTaSJU #download_translation_dropdown_wrapper{margin-top:0.313rem;width:100%;} .dTaSJU #download_translation_dropdown_wrapper #TranslationTitle_Id{color:#161616 !important;} @media (min-width:672px){.dTaSJU #download_translation_dropdown_wrapper{width:65%;}} @media (min-width:1056px){.dTaSJU 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(max-width:1056px){.fjmwm .leadspace-header-image-div{padding-top:calc(120 / 480.61 * 100%);}} @media (max-width:320px){.fjmwm #custom-download-btn-1{margin-bottom:initial;}} /* sc-component-id: BlogCardNew__BlogCardDiv-sc-fdff058b-0 */ .cIEcAo{background:#f3f3f3;} .cIEcAo:hover{background:#e5e5e5;cursor:pointer;} /* sc-component-id: BlogCardNew__Image-sc-fdff058b-1 */ .keHAAA{background-image:url('/thought-leadership/institute-business-value/uploads/en/CEO_thumbnail_6ace680686_8f8d47981a.jpg');background-color:gray;width:100%;padding-bottom:50%;position:relative;background-repeat:no-repeat;background-position:center center;background-size:cover;overflow:hidden;} .keHAAA:hover{cursor:pointer;} .keHAAA:hover::before{opacity:1;} .keHAAA::before{position:absolute;background-color:#0f6dff;mix-blend-mode:soft-light;opacity:0;content:'';height:100%;width:100%;top:0;left:0;-webkit-transition:opacity 220ms $standard-expressive;transition:opacity 220ms 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.bIhjPI{padding:16px;width:100%;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;-webkit-box-pack:end;-webkit-justify-content:flex-end;-ms-flex-pack:end;justify-content:flex-end;} /* sc-component-id: CovidElements__ArrowDownTextButton-sc-4b415ca-1 */ .ZwfAR{position:relative;color:#006fff;font-weight:600;} .ZwfAR:hover{cursor:pointer;} .ZwfAR::after{content:'\f19c';display:inline-block;font-family:icons-ibm-v12,sans-serif;font-size:1.5rem;font-style:normal;font-weight:400;font-variant:normal;position:absolute;-webkit-text-decoration:none;text-decoration:none;text-rendering:optimizeLegibility;text-transform:none;} /* sc-component-id: SectionBlogs__ContainerDiv-sc-61034c83-0 */ @media (max-width:671px){.lozzqo{padding-top:25px !important;padding-bottom:unset !important;}} /* sc-component-id: SectionBlogs__FeaturedTitle-sc-61034c83-1 */ .jsBHBO{font-family:'IBM Plex 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.hzfNiH{background-image:url('/thought-leadership/institute-business-value/public/static/images/Covid-19/covid-19-videos-poster/covid-19-category-video1.webp');background-color:gray;width:100%;padding-bottom:50%;position:relative;background-repeat:no-repeat;background-position:center center;background-size:cover;overflow:hidden;} .hzfNiH:hover{cursor:pointer;} .hzfNiH:hover::before{opacity:1;} .hzfNiH::before{position:absolute;background-color:#0f6dff;mix-blend-mode:soft-light;opacity:0;content:'';height:100%;width:100%;top:0;left:0;-webkit-transition:opacity 220ms $standard-expressive;transition:opacity 220ms $standard-expressive;}.fDsPZW{background-image:url('/thought-leadership/institute-business-value/public/static/images/Covid-19/covid-19-videos-poster/covid-19-category-video2.webp');background-color:gray;width:100%;padding-bottom:50%;position:relative;background-repeat:no-repeat;background-position:center center;background-size:cover;overflow:hidden;} 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$standard-expressive;}.dxrnKN{background-image:url('/thought-leadership/institute-business-value/public/static/images/Covid-19/covid-19-videos-poster/covid-19-category-video4.webp');background-color:gray;width:100%;padding-bottom:50%;position:relative;background-repeat:no-repeat;background-position:center center;background-size:cover;overflow:hidden;} .dxrnKN:hover{cursor:pointer;} .dxrnKN:hover::before{opacity:1;} .dxrnKN::before{position:absolute;background-color:#0f6dff;mix-blend-mode:soft-light;opacity:0;content:'';height:100%;width:100%;top:0;left:0;-webkit-transition:opacity 220ms $standard-expressive;transition:opacity 220ms $standard-expressive;} /* sc-component-id: VideoCard__ContentDiv-sc-1a0bc668-2 */ .dofVoy{padding:0 16px 8px 16px;} @media (max-width:671px){.dofVoy{padding-left:28px;padding-right:28px;}} /* sc-component-id: VideoCard__TitleDiv-sc-1a0bc668-3 */ .jntbwv{padding-top:8px;} .jntbwv a{word-wrap:break-word;color:#000 !important;} .jntbwv a:hover{-webkit-text-decoration:none;text-decoration:none;cursor:pointer;} /* sc-component-id: VideoCard__Row-sc-1a0bc668-4 */ .bCQTjr{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-box-pack:start;-webkit-justify-content:flex-start;-ms-flex-pack:start;justify-content:flex-start;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;padding:16px 16px 18px 16px;} @media (min-width:320px) and (max-width:671px){.bCQTjr{padding-top:16px;}} /* sc-component-id: VideoCard__StyledH3-sc-1a0bc668-5 */ .bXNfUO{padding:0 0;margin-bottom:unset;line-height:unset;font-size:16px;} /* sc-component-id: SectionVideos__ContainerDiv-sc-dfb7ab50-0 */ @media (max-width:671px){.bYTaIT{padding-top:25px !important;padding-bottom:unset !important;}} /* sc-component-id: SectionVideos__FeaturedTitle-sc-dfb7ab50-1 */ .kKSoMM{font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-weight:300;font-size:28px;color:#171717;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:36px;margin-left:14px;width:179px;display:block;} @media (max-width:1055px){.kKSoMM{width:unset;margin-bottom:26px;margin-left:28px;}} @media (max-width:671px){.kKSoMM{font-size:20px;}} /* sc-component-id: SectionVideos__VideoCardOuterDiv-sc-dfb7ab50-2 */ .eaWoUD{height:100%;padding-top:10px;} @media (max-width:671px){.eaWoUD{padding-top:0px;}} /* sc-component-id: Subsection__Wrap-sc-f24b5174-0 */ .WNTGh{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;padding-right:24px;-webkit-box-pack:justify;-webkit-justify-content:space-between;-ms-flex-pack:justify;justify-content:space-between;} @media (max-width:671px){.WNTGh{-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;}} .WNTGh p{padding-right:32px;} /* sc-component-id: Page-styled__List-sc-6f772f84-0 */ .cYXvtD{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;margin:0 -1rem;-webkit-flex-wrap:wrap;-ms-flex-wrap:wrap;flex-wrap:wrap;} .cYXvtD > div{-webkit-flex:1 1 50%;-ms-flex:1 1 50%;flex:1 1 50%;min-width:12.5rem;padding:0 1rem;box-sizing:border-box;} /* sc-component-id: Page-styled__InfoSubsection-sc-6f772f84-1 */ .HZfpx{width:15.125rem;-webkit-flex-basis:0 1 15.125rem;-ms-flex-preferred-size:0 1 15.125rem;flex-basis:0 1 15.125rem;padding-top:0.25rem;} /* sc-component-id: Page-styled__BtnSubsection-sc-6f772f84-2 */ .jzgXfL{width:15.125rem;-webkit-flex-basis:0 1 15.125rem;-ms-flex-preferred-size:0 1 15.125rem;flex-basis:0 1 15.125rem;} /* sc-component-id: SectionOutro__ButtonGroupContainer-sc-b8b673ec-1 */ .chgLfZ{padding-top:2rem;} @media (min-width:1056px){.chgLfZ .button-group_buttons{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;}} .chgLfZ .button-group_buttons a{height:60px;} .chgLfZ .button-group_buttons .button-primary{margin-right:20px;} .chgLfZ .button-group_buttons .button-secondary{margin-right:0;} .chgLfZ #download-the-digital-edition{min-height:3.125rem !important;} .chgLfZ #download-the-digital-edition .cds--list-box__label{text-overflow:unset;} .chgLfZ #download-the-digital-edition,.chgLfZ #get-more-insights-via-email,.chgLfZ #get-additional-insights-via-email,.chgLfZ #request-free-copy-of-the-book{width:100%;} @media (min-width:390px){} @media (min-width:672px){.chgLfZ #download-the-digital-edition,.chgLfZ #get-more-insights-via-email,.chgLfZ #get-additional-insights-via-email,.chgLfZ #request-free-copy-of-the-book{width:21rem;}} @media (min-width:1056px){.chgLfZ #download-the-digital-edition,.chgLfZ #get-more-insights-via-email,.chgLfZ #get-additional-insights-via-email,.chgLfZ #request-free-copy-of-the-book{width:50%;}} .chgLfZ #download-the-digital-edition span,.chgLfZ #get-more-insights-via-email span,.chgLfZ #get-additional-insights-via-email span,.chgLfZ #request-free-copy-of-the-book span{padding-right:20px;} @media (min-width:672px){.chgLfZ #download-the-digital-edition .icon-arrow,.chgLfZ #get-more-insights-via-email .icon-arrow,.chgLfZ #get-additional-insights-via-email .icon-arrow,.chgLfZ #request-free-copy-of-the-book .icon-arrow{margin:auto 0px auto auto;}} @media (min-width:1056px){.chgLfZ #download-the-digital-edition,.chgLfZ #get-additional-insights-via-email{width:21rem;}} @media (max-width:1270px){.chgLfZ .button-group_buttons{-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;}} .chgLfZ #download_translation_dropdown_wrapper{margin-top:0.313rem;width:100%;} .chgLfZ #download_translation_dropdown_wrapper #TranslationTitle_Id{color:#161616 !important;} @media (min-width:672px){.chgLfZ #download_translation_dropdown_wrapper{width:21rem;}} @media (min-width:1056px){.chgLfZ #download_translation_dropdown_wrapper{width:50%;padding-right:10px;}} .chgLfZ #download_translation_dropdown_wrapper .cds--dropdown{min-height:3rem;height:3rem;}.huAhHY{padding-top:2rem;} @media (min-width:1056px){.huAhHY .button-group_buttons{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;}} .huAhHY .button-group_buttons a{height:50px;} .huAhHY .button-group_buttons .button-primary{margin-right:20px;} .huAhHY .button-group_buttons .button-secondary{margin-right:0;} .huAhHY #download-the-digital-edition{min-height:3.125rem !important;} .huAhHY #download-the-digital-edition .cds--list-box__label{text-overflow:unset;} .huAhHY #download-the-digital-edition,.huAhHY #get-more-insights-via-email,.huAhHY #get-additional-insights-via-email,.huAhHY #request-free-copy-of-the-book{width:100%;} @media (min-width:390px){.huAhHY #download-the-digital-edition,.huAhHY #get-more-insights-via-email,.huAhHY #get-additional-insights-via-email,.huAhHY #request-free-copy-of-the-book{min-width:21rem;}} @media (min-width:672px){.huAhHY #download-the-digital-edition,.huAhHY #get-more-insights-via-email,.huAhHY #get-additional-insights-via-email,.huAhHY #request-free-copy-of-the-book{width:21rem;}} @media (min-width:1056px){.huAhHY #download-the-digital-edition,.huAhHY #get-more-insights-via-email,.huAhHY #get-additional-insights-via-email,.huAhHY #request-free-copy-of-the-book{width:50%;}} .huAhHY #download-the-digital-edition span,.huAhHY #get-more-insights-via-email span,.huAhHY #get-additional-insights-via-email span,.huAhHY #request-free-copy-of-the-book span{padding-right:20px;} @media (min-width:672px){.huAhHY #download-the-digital-edition .icon-arrow,.huAhHY #get-more-insights-via-email .icon-arrow,.huAhHY #get-additional-insights-via-email .icon-arrow,.huAhHY #request-free-copy-of-the-book .icon-arrow{margin:auto 0px auto auto;}} @media (min-width:1056px){.huAhHY #download-the-digital-edition,.huAhHY #get-additional-insights-via-email{width:21rem;}} @media (max-width:1270px){.huAhHY .button-group_buttons{-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;}} .huAhHY #download_translation_dropdown_wrapper{margin-top:0.313rem;width:100%;} .huAhHY #download_translation_dropdown_wrapper #TranslationTitle_Id{color:#161616 !important;} @media (min-width:672px){.huAhHY #download_translation_dropdown_wrapper{width:21rem;}} @media (min-width:1056px){.huAhHY #download_translation_dropdown_wrapper{width:50%;padding-right:10px;}} .huAhHY #download_translation_dropdown_wrapper .cds--dropdown{min-height:3rem;height:3rem;} /* sc-component-id: SectionOutro__DateWrapper-sc-b8b673ec-2 */ .hOYZUu{display:none;padding-left:1rem;font-size:14px;font-size:0.875rem;font-weight:400;line-height:1.125rem;} @media (min-width:1056px){.hOYZUu{display:block;}} /* sc-component-id: SectionOutro__Divider-sc-b8b673ec-3 */ @media (min-width:672px){.jnLlEC{display:none;}} @media (min-width:1056px){.jnLlEC{display:block;}} /* sc-component-id: SectionOutro__ImageWrapper-sc-b8b673ec-4 */ .DUoiI{padding-bottom:1rem;} @media (min-width:672px){.DUoiI{padding-bottom:0;}} /* sc-component-id: SectionOutro__TextContainer-sc-b8b673ec-7 */ .igSkTf{margin:auto 0rem;} /* sc-component-id: SectionOutro__TextTitle-sc-b8b673ec-8 */ .eupkFd{font-size:1.75rem;font-weight:200;line-height:2.25rem;padding-bottom:2rem;} @media (min-width:672px){.eupkFd{font-size:2.625rem;line-height:3.125rem;}} /* sc-component-id: SectionOutro__Wrapper-sc-b8b673ec-9 */ .czYPuN{padding:3.75rem 0rem;} /* sc-component-id: SectionAuthors__ContentDiv-sc-999782e3-1 */ .eKaltc{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;-webkit-box-pack:start;-webkit-justify-content:flex-start;-ms-flex-pack:start;justify-content:flex-start;height:100%;padding-bottom:80px;} @media (max-width:671px){.eKaltc{padding-left:13px;padding-right:13px;padding-bottom:56px;}} @media (max-width:320px){.eKaltc{padding-left:29px;padding-right:29px;padding-bottom:32px;}} /* sc-component-id: SectionAuthors__ProfessionalInfoDiv-sc-999782e3-2 */ .iblOzo{height:84px;margin-top:24px;margin-bottom:24px;} @media (max-width:671px){.iblOzo{margin-top:16px;margin-bottom:16px;}} /* sc-component-id: SectionAuthors__NameDiv-sc-999782e3-3 */ .iMcDja{font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-weight:bold;color:#171717;font-size:16px;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:22px;margin-bottom:2px;} /* sc-component-id: SectionAuthors__InfoItemDiv-sc-999782e3-4 */ .NoXJx{font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-weight:normal;color:#6f6f6f;font-size:14px;-webkit-letter-spacing:0.16px;-moz-letter-spacing:0.16px;-ms-letter-spacing:0.16px;letter-spacing:0.16px;line-height:20px;} /* sc-component-id: SectionAuthors__DividerDiv-sc-999782e3-5 */ .gWMsKu{border-top:solid 1px #dcdcdc;width:90.5%;margin-bottom:16px;} /* sc-component-id: SectionAuthors__SocialMediaDiv-sc-999782e3-6 */ .bpgHRw{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;margin-bottom:16px;} @media (max-width:671px){.bpgHRw{-webkit-flex-direction:row;-ms-flex-direction:row;flex-direction:row;}} /* sc-component-id: SectionAuthors__BioDiv-sc-999782e3-7 */ .hGUzMD{line-height:20px;} /* sc-component-id: SectionAuthors__SocialMediaLink-sc-999782e3-8 */ .ejtILI{font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-weight:normal;color:#171717;font-size:14px;height:18px;-webkit-letter-spacing:0.1px;-moz-letter-spacing:0.1px;-ms-letter-spacing:0.1px;letter-spacing:0.1px;line-height:20px;display:block;background-size:18px;background-repeat:no-repeat;background-position:left;padding-left:35.8px;margin-bottom:4px;} .ejtILI span{display:block;} @media (max-width:671px){.ejtILI span{margin-right:6.5px;display:none;}} .ejtILI:hover{cursor:pointer;} /* sc-component-id: SectionAuthors__AccordionOuterDiv-sc-999782e3-9 */ .jNrYIE{width:100%;} .jNrYIE ul > li{padding-left:unset;} .jNrYIE ul > li::before{content:unset;} .jNrYIE .cds--accordion__item{margin-right:40px;} .jNrYIE .cds--accordion__item:last-child{border-top:none;border-bottom:none;} .jNrYIE .cds--accordion__item .cds--accordion__heading{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;height:90px;} @media (max-width:400px){.jNrYIE .cds--accordion__item .cds--accordion__heading{height:132px;}} .jNrYIE .cds--accordion__item .cds--accordion__heading:focus{border:unset;box-shadow:unset;} .jNrYIE .cds--accordion__item .cds--accordion__heading:hover{background-color:unset;} .jNrYIE .cds--accordion__item .cds--accordion__heading .cds--accordion__arrow{fill:#4896ff;-webkit-transform:rotate(90deg) scale(2);-ms-transform:rotate(90deg) scale(2);transform:rotate(90deg) scale(2);margin-right:12px;} .jNrYIE .cds--accordion__item .cds--accordion__heading .cds--accordion__title{font-weight:300;font-size:32px;line-height:40px;color:#171717;} .jNrYIE .cds--accordion__item .cds--accordion__content{padding-right:unset;} .jNrYIE .cds--accordion__item--active > .cds--accordion__heading > .cds--accordion__arrow{-webkit-transform:rotate(-90deg) scale(2);-ms-transform:rotate(-90deg) scale(2);transform:rotate(-90deg) scale(2);} /* sc-component-id: SectionAuthors__AccordionContentWrapper-sc-999782e3-10 */ .jqHQtk{padding-top:15px； padding-bottom:0px；;} /* sc-component-id: Page-styled__AssetDiv-sc-f9a0581b-0 */ @media (max-width:671px){.iMNlrW{display:none !important;}} /* sc-component-id: Page-styled__BookmarkDiv-sc-f9a0581b-2 */ .izfhnJ{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-weight:600;font-size:16px;color:#323232;line-height:22px;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;margin-bottom:12px;} .izfhnJ > span{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;white-space:nowrap;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;margin-right:15px;font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-weight:600;font-size:14px;color:#3d3d3d;-webkit-letter-spacing:0.16px;-moz-letter-spacing:0.16px;-ms-letter-spacing:0.16px;letter-spacing:0.16px;line-height:18px;} .izfhnJ > div{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;} /* sc-component-id: Page-styled__LighthouseTextArea-sc-f9a0581b-4 */ .ilgUDZ{padding-left:16px;} @media (max-width:1057px){.ilgUDZ{display:none !important;}} /* sc-component-id: Page-styled__FullReportBox-sc-f9a0581b-6 */ .cgEAbS{background-color:#0062FF !important;border-color:#0062FF !important;outline-color:#0062FF !important;border:1px solid;margin-left:3px;outline:solid 1px;text-align:left;font-size:16px;color:#ffffff !important;cursor:pointer;box-sizing:border-box;line-height:20px;height:48px;padding:0px 16px;text-align:left;-webkit-text-decoration:none;text-decoration:none;-webkit-transition:border 0.3s,color 0.3s,background-color 0.3s;transition:border 0.3s,color 0.3s,background-color 0.3s;white-space:normal;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-box-pack:justify;-webkit-justify-content:space-between;-ms-flex-pack:justify;justify-content:space-between;width:-webkit-fit-content;width:-moz-fit-content;width:fit-content;} .cgEAbS span{display:inline-block;line-height:18px;margin:auto 0;} .cgEAbS:hover{background-color:#0354e9 !important;border-color:#0354e9 !important;outline-color:#0354e9 !important;-webkit-text-decoration:none;text-decoration:none;} .cgEAbS > i{height:15px;width:18.8px;display:inline-block;margin-left:20px;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;margin:15px 0 auto 16px;} .cgEAbS > i > img{height:15px;width:18.8px;} /* sc-component-id: Page-styled__FullReportBoxMobile-sc-f9a0581b-7 */ .eHKJMO{background-color:#0062FF !important;border-color:#0062FF !important;outline-color:#0062FF !important;border:1px solid;margin-left:3px;outline:solid 1px;text-align:left;font-size:16px;color:#ffffff !important;cursor:pointer;box-sizing:border-box;line-height:20px;height:48px;padding:0px 16px;text-align:left;-webkit-text-decoration:none;text-decoration:none;-webkit-transition:border 0.3s,color 0.3s,background-color 0.3s;transition:border 0.3s,color 0.3s,background-color 0.3s;white-space:normal;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-box-pack:justify;-webkit-justify-content:space-between;-ms-flex-pack:justify;justify-content:space-between;width:-webkit-fit-content;width:-moz-fit-content;width:fit-content;margin-top:18px;margin-bottom:20px;} .eHKJMO span{display:inline-block;line-height:18px;margin:auto 0;} .eHKJMO:hover{background-color:#0354e9 !important;border-color:#0354e9 !important;outline-color:#0354e9 !important;-webkit-text-decoration:none;text-decoration:none;} .eHKJMO > i{height:15px;width:18.8px;display:inline-block;margin-left:20px;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;margin:15px 0 auto 16px;} .eHKJMO > i > img{height:15px;width:18.8px;} @media (min-width:672px){.eHKJMO{display:none !important;}} /* sc-component-id: Page-styled__SubtitleSpan-sc-f9a0581b-9 */ .lphBbc{max-width:548px;font-size:28px;color:#666666;font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;-webkit-letter-spacing:0px;-moz-letter-spacing:0px;-ms-letter-spacing:0px;letter-spacing:0px;line-height:36px;} @media (max-width:671px){.lphBbc{display:none;}} /* sc-component-id: Page-styled__ReactMarkdownDiv-sc-f9a0581b-10 */ .chsxdT{margin-bottom:1.5rem;} .chsxdT > div > p{font-size:16px;font-weight:400;line-height:24px;} .chsxdT > div li{font-size:16px;font-weight:400;line-height:24px;} .chsxdT > span > p{font-size:16px;font-weight:400;line-height:24px;} .chsxdT > span > p > img{max-width:100%;height:auto !important;} .chsxdT > div > div > video{max-width:100%;height:auto !important;} /* sc-component-id: Page-styled__DownloadBtnMedium-sc-f9a0581b-11 */ .gMdHrg{padding-bottom:27px;display:none !important;} @media (min-width:672px) and (max-width:1055px){.gMdHrg{display:block !important;}} /* sc-component-id: Page-styled__SectionTopLessThanBIG-sc-f9a0581b-12 */ .jrhcGb{display:none !important;} @media (max-width:1055px){.jrhcGb{display:block !important;}} /* sc-component-id: Page-styled__FullReportBoxQuantum-sc-f9a0581b-13 */ .bfuIKj{background-color:#0062FF !important;border-color:#0062FF !important;outline-color:#0062FF !important;border:1px solid;margin-top:30px;margin-left:0px;outline:solid 1px;text-align:left;font-size:14px;color:#ffffff !important;cursor:pointer;box-sizing:border-box;font-size:16px;line-height:20px;width:100%;max-width:248px;height:48px;padding:0px 16px;text-align:left;-webkit-text-decoration:none;text-decoration:none;-webkit-transition:border 0.3s,color 0.3s,background-color 0.3s;transition:border 0.3s,color 0.3s,background-color 0.3s;white-space:normal;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-box-pack:justify;-webkit-justify-content:space-between;-ms-flex-pack:justify;justify-content:space-between;} @media (max-width:1055px){.bfuIKj{display:none !important;}} .bfuIKj 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!important;border-color:#0062FF !important;outline-color:#0062FF !important;border:1px solid;margin-top:30px;margin-left:3px;outline:solid 1px;text-align:left;font-size:14px;color:#ffffff !important;cursor:pointer;box-sizing:border-box;font-size:16px;line-height:20px;width:248px;height:48px;padding:0px 16px;text-align:left;-webkit-text-decoration:none;text-decoration:none;-webkit-transition:border 0.3s,color 0.3s,background-color 0.3s;transition:border 0.3s,color 0.3s,background-color 0.3s;white-space:normal;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-box-pack:justify;-webkit-justify-content:space-between;-ms-flex-pack:justify;justify-content:space-between;} .jBQLcX span{display:inline-block;line-height:18px;margin:auto 0;} .jBQLcX:hover{background-color:#0354e9 !important;border-color:#0354e9 !important;outline-color:#0354e9 !important;-webkit-text-decoration:none;text-decoration:none;} .jBQLcX > i{height:15px;width:18.8px;display:inline-block;margin-left:20px;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;margin:15px 0 auto 0;} .jBQLcX > i > img{height:15px;width:18.8px;} /* sc-component-id: SectionTopMobile__Icon-sc-f69ce0bb-1 */ .bvdOor{width:28px;height:28px;margin-right:8px;} /* sc-component-id: SectionTopMobile__MainDiv-sc-f69ce0bb-2 */ .eusqbk{background-color:#f3f3f3;margin-top:0px;margin-bottom:32px;margin-left:-32px;margin-right:-32px;padding-top:32px;padding-bottom:16px;padding-left:32px;padding-right:32px;} /* sc-component-id: Insights-styled__BIGScreenPlaceholderDiv-sc-8155bdef-0 */ .hXusDF{display:none;} @media (min-width:1056px){.hXusDF{display:block;}} /* sc-component-id: Insights-styled__ContainerDiv-sc-8155bdef-1 */ .cmGmgy a{outline:none;} /* sc-component-id: Insights-styled__ReportCardOuterDiv-sc-8155bdef-2 */ .dcoofb{height:100%;} @media (max-width:671px){.dcoofb{padding-top:0rem;}} /* sc-component-id: Insights-styled__TitleContainer-sc-8155bdef-3 */ .sMNPF{padding-bottom:1rem;} @media (min-width:1056px){.sMNPF{padding-bottom:unset;}} /* sc-component-id: Insights-styled__TitleDiv-sc-8155bdef-4 */ .fpIKSr{font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-weight:300;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:2.25rem;padding-left:1rem !important;font-size:1.75rem;color:#161616;} @media (min-width:672px){.fpIKSr{display:unset;}} @media (min-width:1056px){.fpIKSr{font-size:2rem;}} /* sc-component-id: Overview-styled__Content-sc-378239f0-1 */ .dyILlo{padding:0;padding-right:1rem;} @media (min-width:1056px){.dyILlo{padding-right:1.5rem;}} /* sc-component-id: Overview-styled__Title-sc-378239f0-4 */ .ecHeGj{font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-weight:300;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:2.25rem;padding-left:1rem !important;font-size:1.75rem;color:#161616;padding-bottom:1rem;} @media (min-width:1056px){.ecHeGj{font-size:2rem;line-height:2.25rem;font-weight:300;}} .ecHeGj .UIWrapperEditIconContainer{top:-1rem;right:-1rem;} /* sc-component-id: LeadspaceWIL2023__Wrap-sc-15714434-0 */ .druYvS{background-color:#defbe6;position:relative;color:#373737;font-family:'IBM Plex Sans';font-size:48px;font-weight:400;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:62px;} .druYvS a{color:#0f62fe;} @media (max-width:671px){.druYvS{min-height:unset;}} /* sc-component-id: LeadspaceWIL2023__LeadspaceSubtext-sc-15714434-1 */ .kwCHnB{line-height:1.5;margin-top:2rem;color:#161616;} /* sc-component-id: LeadspaceWIL2023__TextWrapper-sc-15714434-2 */ @-webkit-keyframes fadeIn{0%{opacity:0;}100%{opacity:1;}} @keyframes fadeIn{0%{opacity:0;}100%{opacity:1;}} .itRhrj h4{position:relative;color:#161616;font-family:'IBM Plex Sans';font-size:20px;font-weight:bold;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:26px;} .itRhrj h4 .date{float:right;} @media (max-width:1157px){.itRhrj h4 .date{display:none;}} .itRhrj h1{color:#333333;font-family:'IBM Plex Sans';font-size:48px;font-weight:300;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:60px;} .itRhrj h1 span,.itRhrj h1 a{opacity:0;-webkit-animation-name:fadeIn;animation-name:fadeIn;-webkit-animation-duration:1s;animation-duration:1s;-webkit-animation-delay:calc(var(--animation-order) * 1000ms);animation-delay:calc(var(--animation-order) * 1000ms);-webkit-animation-fill-mode:both;animation-fill-mode:both;-webkit-animation-timing-function:ease-in;animation-timing-function:ease-in;} .itRhrj h1 a{color:#0f62fe;} .itRhrj h1 a:hover{color:#0043ce;} @media (max-width:671px){.itRhrj h1{font-size:32px;line-height:40px;font-weight:300;}} /* sc-component-id: LeadspaceWIL2023__ContentDiv-sc-15714434-3 */ .dXlXKy{position:relative;} .dXlXKy .video-spacer{display:none;} @media (max-width:1157px){.dXlXKy .video-spacer{display:initial;}} @media (max-width:1157px){.dXlXKy .download-container{display:none;}.dXlXKy .percent-spacer{max-width:12.5%;-webkit-flex-basis:12.5%;-ms-flex-preferred-size:12.5%;flex-basis:12.5%;margin-left:0;}.dXlXKy .percent-content{max-width:75%;-webkit-flex-basis:75%;-ms-flex-preferred-size:75%;flex-basis:75%;margin-left:0;}} /* sc-component-id: LeadspaceWIL2023__BreadCrumbWrapper-sc-15714434-5 */ .kjrGit{display:none;} @media (min-width:672px){.kjrGit{display:block;position:relative;margin-bottom:1rem;padding-left:2rem;}.kjrGit .breadcrumbs{position:relative !important;}.kjrGit .breadcrumbs > a{color:#0f62fe;}.kjrGit .breadcrumbs > a > span{font-size:1rem !important;}.kjrGit .breadcrumbs > a:nth-last-child(1) > span{color:#161616 !important;font-size:1rem !important;}} /* sc-component-id: LeadspaceWIL2023__MobileBreadcrumbs-sc-15714434-6 */ .cxVMIJ{color:#161616;font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:1rem;margin-bottom:20px;width:100%;padding-left:1rem;} @media (min-width:672px){.cxVMIJ{display:none !important;}} .cxVMIJ > *{font-size:1rem;margin-right:0.25rem;} .cxVMIJ a span{font-size:1rem;margin-right:0.25rem;color:#0f62fe;} .cxVMIJ > *:after{content:'/';margin-left:0.25rem;display:inline;font-size:1rem;color:#161616;} @media (max-width:671px){.cxVMIJ > *:after{display:inline-block;}} .cxVMIJ > *:last-child:after{font-size:1rem;content:'';color:none !important;} /* sc-component-id: anchor-navigation-menu-styled__MainDiv-sc-a6375c10-0 */ .dnikNV{z-index:1;width:12rem;position:fixed;top:4rem;margin-left:-1rem;font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;display:none;} @media (min-width:1056px){.dnikNV{display:none;}} /* sc-component-id: anchor-navigation-menu-styled__MenuDiv-sc-a6375c10-1 */ .impUFI{padding-top:2.5rem;padding-bottom:2.5rem;padding-left:1rem;} /* sc-component-id: anchor-navigation-menu-styled__MenuItemDiv-sc-a6375c10-2 */ .bSzxx{display:grid;min-height:4rem;} /* sc-component-id: anchor-navigation-menu-styled__MenuItemAnchor-sc-a6375c10-3 */ .dfFSPR{border-left:0.25rem solid #e0e0e0;color:#393939;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;padding-top:0.5rem;padding-bottom:0.5rem;padding-left:1rem;font-size:1rem;font-weight:300;-webkit-letter-spacing:0.01rem;-moz-letter-spacing:0.01rem;-ms-letter-spacing:0.01rem;letter-spacing:0.01rem;line-height:1.5rem;} .dfFSPR:hover{border-left:0.25rem solid #cacaca;color:#393939;font-weight:400;cursor:pointer;} /* sc-component-id: Page-styled__DesktopReportListWrapperDiv-sc-63b8b7a0-0 */ @media (max-width:1055px){.kIKTju{display:none;}} /* sc-component-id: Page-styled__MobileReportListWrapperDiv-sc-63b8b7a0-1 */ @media (min-width:1055px){.dTUlkM{display:none;}} /* sc-component-id: scrolling-download-button-styled__MainDiv-sc-8a1eb6cb-0 */ .esRGit{z-index:1;width:14.5rem;max-width:14.5rem;position:fixed;top:28.75rem;margin-top:2rem;font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;display:none;} .esRGit a{-webkit-align-self:baseline;-ms-flex-item-align:baseline;align-self:baseline;} .esRGit a:not(:first-child){margin-top:1rem;} @media (min-width:1056px){.esRGit{display:none;}} /* sc-component-id: scrolling-download-button-styled__FullReportBox-sc-8a1eb6cb-1 */ .dLrmlg{background-color:#0062FF;border-color:#0062ff;outline-color:#0062ff;border:0.0625rem solid;text-align:left;color:#ffffff;cursor:pointer;box-sizing:border-box;font-size:0.875rem;-webkit-letter-spacing:0.01rem;-moz-letter-spacing:0.01rem;-ms-letter-spacing:0.01rem;letter-spacing:0.01rem;line-height:1.125rem;width:12rem;max-width:12rem;min-height:3rem;padding:0 0.5rem 0 1rem;text-align:left;-webkit-text-decoration:none;text-decoration:none;-webkit-transition:border 0.3s,color 0.3s,background-color 0.3s;transition:border 0.3s,color 0.3s,background-color 0.3s;white-space:normal;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-box-pack:justify;-webkit-justify-content:space-between;-ms-flex-pack:justify;justify-content:space-between;} .dLrmlg span{display:inline-block;margin:auto 0;font-size:0.875rem;-webkit-letter-spacing:0.01rem;-moz-letter-spacing:0.01rem;-ms-letter-spacing:0.01rem;letter-spacing:0.01rem;line-height:1.125rem;} .dLrmlg > i{height:0.9375rem;width:1.175rem;display:inline-block;margin-left:1.25rem;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;margin:0.9375rem 0 auto 8px;} .dLrmlg > i > img{height:0.75rem;width:0.9375rem;margin-left:-0.125rem;} .dLrmlg:hover{color:#ffffff;background-color:#0354E9;} .dLrmlg:hover > i > img{-webkit-filter:invert(100%) sepia(0%) saturate(2%) hue-rotate(345deg) brightness(100) contrast(101%);filter:invert(100%) sepia(0%) saturate(2%) hue-rotate(345deg) brightness(100) contrast(101%);}.fTbOIp{background-color:unset;border-color:#0062ff;outline-color:#0062ff;border:0.0625rem solid;text-align:left;color:#0062FF;cursor:pointer;box-sizing:border-box;font-size:0.875rem;-webkit-letter-spacing:0.01rem;-moz-letter-spacing:0.01rem;-ms-letter-spacing:0.01rem;letter-spacing:0.01rem;line-height:1.125rem;width:12rem;max-width:12rem;min-height:3rem;padding:0 0.5rem 0 1rem;text-align:left;-webkit-text-decoration:none;text-decoration:none;-webkit-transition:border 0.3s,color 0.3s,background-color 0.3s;transition:border 0.3s,color 0.3s,background-color 0.3s;white-space:normal;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-box-pack:justify;-webkit-justify-content:space-between;-ms-flex-pack:justify;justify-content:space-between;} .fTbOIp span{display:inline-block;margin:auto 0;font-size:0.875rem;-webkit-letter-spacing:0.01rem;-moz-letter-spacing:0.01rem;-ms-letter-spacing:0.01rem;letter-spacing:0.01rem;line-height:1.125rem;} .fTbOIp > i{height:0.9375rem;width:1.175rem;display:inline-block;margin-left:1.25rem;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;margin:0.9375rem 0 auto 8px;} .fTbOIp > i > img{height:0.75rem;width:0.9375rem;margin-left:-0.125rem;} .fTbOIp:hover{color:#ffffff;background-color:#0062FF;} .fTbOIp:hover > i > img{-webkit-filter:invert(100%) sepia(0%) saturate(2%) hue-rotate(345deg) brightness(100) contrast(101%);filter:invert(100%) sepia(0%) saturate(2%) hue-rotate(345deg) brightness(100) contrast(101%);} /* sc-component-id: section-action-guide__MainDiv-sc-31cd42ac-0 */ .jZIFBL{font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;background-color:#DAFBFA;} /* sc-component-id: section-action-guide__TitleDiv-sc-31cd42ac-1 */ .bzVcjy{font-size:54px;font-weight:300;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:64px;} .bzVcjy span,.bzVcjy a{color:#0062ff;} .bzVcjy a:hover{color:#0043ce;} @media (max-width:671px){.bzVcjy{font-size:32px;line-height:40px;margin-right:19px;margin-left:19px;}} @media (max-width:320px){.bzVcjy{margin-right:16px;margin-left:16px;}} /* sc-component-id: section-action-guide__DesktopImageTextDiv-sc-31cd42ac-2 */ .cVCAGU{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:row;-ms-flex-direction:row;flex-direction:row;-webkit-box-pack:start;-webkit-justify-content:flex-start;-ms-flex-pack:start;justify-content:flex-start;} /* sc-component-id: section-action-guide__ParagrapContentUl-sc-31cd42ac-4 */ .eTJtly{font-size:16px;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:24px;padding-top:16px;} .eTJtly > li{color:#161616;padding-left:4px;padding-top:0px;padding-bottom:16px;} @media (max-width:671px){.eTJtly > li{padding-top:16px;padding-left:2px;}} .eTJtly > li::before{color:red;content:none;font-size:1.2rem;}.iuKoGF{font-size:16px;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:24px;padding-top:20px;} .iuKoGF > li{color:#161616;padding-left:4px;padding-top:0px;padding-bottom:16px;} @media (max-width:671px){.iuKoGF > li{padding-top:16px;padding-left:2px;}} .iuKoGF > li::before{color:red;content:none;font-size:1.2rem;} /* sc-component-id: section-action-guide__Spacer-sc-31cd42ac-5 */ .evSQzd{width:100%;height:32px;} /* sc-component-id: section-action-guide__MobileParagrapWrapperDiv-sc-31cd42ac-7 */ .eEBWuc{padding-top:4px;padding-right:4px;padding-left:4px;} /* sc-component-id: section-action-guide__ParagrapTextWrapperDiv-sc-31cd42ac-8 */ .iqbdNT{display:inline-block;width:92%;} /* sc-component-id: section-action-guide__DesktopParagrapTitleDiv-sc-31cd42ac-9 */ .eMnHVn{font-size:32px;font-weight:300;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:40px;} /* sc-component-id: section-action-guide__DesktopParagrapNumberDiv-sc-31cd42ac-10 */ .fIPOkx{display:inline-block;width:8%;vertical-align:top;font-size:32px;line-height:40px;font-weight:300;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;} /* sc-component-id: section-action-guide__MobileParagrapTitleDiv-sc-31cd42ac-11 */ .iARBls{position:absolute;font-size:20px;font-weight:600;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:26px;padding-right:16px;padding-bottom:16px;margin-top:-2px;} /* sc-component-id: section-action-guide__MobileParagrapNumberDiv-sc-31cd42ac-12 */ .gYieci{display:inline-block;width:8%;vertical-align:top;font-size:20px;font-weight:600;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:26px;margin-top:-2px;} /* sc-component-id: section-action-guide__DesktopImageDiv-sc-31cd42ac-13 */ @media (max-width:671px){.iGesgG{display:none;}} /* sc-component-id: section-action-guide__MobileImageDiv-sc-31cd42ac-14 */ @media (min-width:672px){.dbdZuX{display:none;}} /* sc-component-id: button-group__ButtonGroupContainer-sc-5e82444-0 */ .KWLRV .button-group{position:static;} /* sc-component-id: button-group__CustomDownloadBtnDiv-sc-5e82444-1 */ .bpzEqQ .icon-arrow{margin-left:0 0 0 20px;} .bpzEqQ .button-primary,.bpzEqQ .button-secondary,.bpzEqQ .button-secondary-rebrand{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;height:50px;padding:0 18px;margin-bottom:10px;margin-right:30px;font-weight:400;} .bpzEqQ .button-secondary-rebrand:hover .icon-arrow{-webkit-filter:invert(100%) sepia(0%) saturate(2%) hue-rotate(345deg) brightness(100) contrast(101%);filter:invert(100%) sepia(0%) saturate(2%) hue-rotate(345deg) brightness(100) contrast(101%);} @media (max-width:671px){.bpzEqQ .button-primary,.bpzEqQ .button-secondary,.bpzEqQ .button-secondary-rebrand{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;width:100%;position:relative;margin-bottom:10px;}.bpzEqQ .button-primary span,.bpzEqQ .button-secondary span,.bpzEqQ .button-secondary-rebrand span{margin-right:20px;}.bpzEqQ .icon-arrow{position:absolute;top:0;right:18px;font-size:20px;}} @media (min-width:672px){.bpzEqQ .button-primary,.bpzEqQ .button-secondary,.bpzEqQ .button-secondary-rebrand{width:18.5rem;}} @media (min-width:855px){.bpzEqQ .button-primary,.bpzEqQ .button-secondary,.bpzEqQ .button-secondary-rebrand{width:24rem;}} @media (min-width:1056px) and (max-width:1085px){.bpzEqQ .button-primary,.bpzEqQ .button-secondary,.bpzEqQ .button-secondary-rebrand{width:22rem;}} .bpzEqQ span{width:inherit;} /* sc-component-id: button-group__Label-sc-5e82444-2 */ .iibuQv{white-space:break-spaces;} /* sc-component-id: button-group__DownloadBtnGroupDiv-sc-5e82444-3 */ .wNaOk{z-index:0;} @media (min-width:672px){.wNaOk{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;}} /* sc-component-id: bookmark-button__Button-sc-e6f5114a-0 */ .iobMRV{border:unset;padding:0;margin:0;position:relative;overflow:hidden;border-radius:1px;-webkit-transform:scale(0.8);-ms-transform:scale(0.8);transform:scale(0.8);background:transparent;font-size:0;margin-right:6px;pointer-events:auto;} .iobMRV *{pointer-events:none;} .iobMRV[data-active='true'] .fill{-webkit-transform:translateY(0);-ms-transform:translateY(0);transform:translateY(0);} .iobMRV:hover{cursor:pointer;} .iobMRV .color{-webkit-transition:color 124ms cubic-bezier(0.4,0.14,0.3,1);transition:color 124ms cubic-bezier(0.4,0.14,0.3,1);} .iobMRV .svg{height:28px;} .iobMRV .svg #Mask{fill:#0f62fe;} .iobMRV .svg:hover #Mask{fill:#0043ce;} .iobMRV .outline{position:absolute;top:0;left:0;z-index:1;} .iobMRV .fill{position:absolute;top:0;left:0;z-index:2;-webkit-transform:translateY(-100%);-ms-transform:translateY(-100%);transform:translateY(-100%);-webkit-transition:-webkit-transform 124ms cubic-bezier(0.4,0.14,0.3,1);-webkit-transition:transform 124ms cubic-bezier(0.4,0.14,0.3,1);transition:transform 124ms cubic-bezier(0.4,0.14,0.3,1);} /* sc-component-id: bookmark-bar__BookmarkDiv-sc-a07fd85e-0 */ .jlalDk{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-box-pack:start;-webkit-justify-content:start;-ms-flex-pack:start;justify-content:start;font-family:IBM Plex Sans,'Helvetica Neue',Arial,sans-serif;font-size:16px;color:#323232;line-height:22px;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;margin-bottom:12px;} .jlalDk > span{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;white-space:nowrap;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;margin-right:10px;font-family:IBM Plex Sans,'Helvetica Neue',Arial,sans-serif;font-size:16px;color:#3d3d3d;-webkit-letter-spacing:0.16px;-moz-letter-spacing:0.16px;-ms-letter-spacing:0.16px;letter-spacing:0.16px;line-height:18px;} .jlalDk > 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SectionIntroDesktop__BuildConsumerSurveyContainer-sc-85bda370-0 */ @media (min-width:672px){.ijAOAc{padding-top:64px;padding-bottom:23px;}} /* sc-component-id: SectionIntroDesktop__BuildCognitiveEnterpriseContainer-sc-85bda370-1 */ .iHxRxq{padding-bottom:34px;} @media (min-width:672px){.iHxRxq{padding-bottom:56px;}} /* sc-component-id: SectionIntroDesktop__IntroTitleP-sc-85bda370-2 */ .gnMEDi{color:rgb(120,120,120);font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-size:28px;line-height:36px;} @media (max-width:671px){.gnMEDi{font-size:16px;line-height:24px;}} /* sc-component-id: SectionIntroDesktop__ReactMarkdownDiv-sc-85bda370-4 */ .kEocsI{margin-bottom:1.5rem;} .kEocsI > div > p{font-size:18px;font-weight:400;line-height:28px;} @media (max-width:671px){.kEocsI > div > p{font-size:14px;line-height:20px;}} .kEocsI > div li{font-size:18px;font-weight:400;line-height:28px;} @media (max-width:671px){.kEocsI > div li{font-size:14px;line-height:20px;}} .kEocsI > span > p{font-size:18px;font-weight:400;line-height:28px;width:95%;padding-bottom:32px;} @media (max-width:671px){.kEocsI > span > p{font-size:14px;line-height:20px;}} .kEocsI > span > p > img{max-width:100%;height:auto !important;} .kEocsI > span > p > a{color:#0062ff;} .kEocsI > div > div > video{max-width:100%;height:auto !important;} /* sc-component-id: SectionIntroDesktop__BookmarkDiv-sc-85bda370-5 */ .jnMaoy{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-box-pack:justify;-webkit-justify-content:space-between;-ms-flex-pack:justify;justify-content:space-between;font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-weight:600;font-size:16px;color:#323232;line-height:22px;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;margin-bottom:12px;margin-top:0px;max-width:unset;} .jnMaoy > span{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;white-space:nowrap;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-weight:600;font-size:14px;color:#3d3d3d;-webkit-letter-spacing:0.16px;-moz-letter-spacing:0.16px;-ms-letter-spacing:0.16px;letter-spacing:0.16px;line-height:18px;} .jnMaoy > div{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;} /* sc-component-id: SectionIntroMobile__IntroTitleP-sc-cec7fed8-0 */ .bKWXNj{color:#191918;font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-size:28px;line-height:36px;} @media (max-width:671px){.bKWXNj{font-size:16px;line-height:24px;}} /* sc-component-id: SectionIntroMobile__ReactMarkdownDiv-sc-cec7fed8-2 */ .ifSCdZ{margin-bottom:1.5rem;} .ifSCdZ > div > p{font-size:18px;font-weight:400;line-height:28px;} @media (max-width:671px){.ifSCdZ > div > p{font-size:14px;line-height:20px;}} .ifSCdZ > div li{font-size:18px;font-weight:400;line-height:28px;} @media (max-width:671px){.ifSCdZ > div li{font-size:14px;line-height:20px;}} .ifSCdZ > span > p{font-size:18px;font-weight:400;line-height:28px;width:95%;padding-bottom:32px;} @media (max-width:671px){.ifSCdZ > span > p{font-size:14px;line-height:20px;}} .ifSCdZ > span > p > img{max-width:100%;height:auto !important;} .ifSCdZ > span > p > a{color:#0062ff;} .ifSCdZ > div > div > video{max-width:100%;height:auto !important;} /* sc-component-id: SectionIntroMobile__BookmarkDiv-sc-cec7fed8-3 */ .jVleKh{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-box-pack:justify;-webkit-justify-content:space-between;-ms-flex-pack:justify;justify-content:space-between;font-family:IBM Plex Sans,'Helvetica 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sc-component-id: SectionIntro__SectionIntroDesktopMobile-sc-64bf25f7-1 */ .cjQUFr{display:block;} @media (min-width:1055px){.cjQUFr{display:none;}} /* sc-component-id: SectionJumpLinks__AnchorDownloadLinkIcon-sc-af6e7b33-0 */ .bVeQXi{-webkit-text-decoration:none !important;text-decoration:none !important;} .bVeQXi::after{color:#171717;content:'\f18f';font-family:icons-ibm-v12,'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-size:1.5rem;padding-left:11.8px;position:absolute;-webkit-text-decoration:none !important;text-decoration:none !important;top:3px;-webkit-transition:padding-left 86ms cubic-bezier(0.2,0,0.38,0.9);transition:padding-left 86ms cubic-bezier(0.2,0,0.38,0.9);} .bVeQXi::after{position:static;} /* sc-component-id: SectionJumpLinks__SpanDownloadLinkIcon-sc-af6e7b33-1 */ .glLvGI{-webkit-text-decoration:none !important;text-decoration:none !important;} .glLvGI::after{color:#171717;content:'\f18f';font-family:icons-ibm-v12,'IBM Plex Sans','Helvetica 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a{line-height:20px;font-size:16px;cursor:pointer !important;border:none;outline:none;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;-webkit-box-pack:center;-webkit-justify-content:center;-ms-flex-pack:center;justify-content:center;} .eoACVT > ul * > a:hover{-webkit-text-decoration:none !important;text-decoration:none !important;color:#fff !important;} /* sc-component-id: SectionJumpLinks__MobileJumpLinksDiv-sc-af6e7b33-4 */ .kWOXNg{display:none !important;font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-size:16px;} @media (max-width:1060px){.kWOXNg{display:-webkit-box !important;display:-webkit-flex !important;display:-ms-flexbox !important;display:flex !important;width:100%;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;padding-left:16px;padding-right:16px;}.kWOXNg > ul > li{padding-top:5.5px 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.kBgutH{position:relative;overflow:hidden;background-image:url('/thought-leadership/institute-business-value/uploads/en/6a908e46d4064e3b8a94e726cd25c692_a47ae1a558');background-repeat:no-repeat;background-size:cover;background-position:center;color:white;width:100%;height:0;padding-top:calc(269 / 480.61 * 100%);margin-top:55px;margin-bottom:55px;} @media (max-width:1584px){.kBgutH{margin-top:55px;}} @media (max-width:1312px){.kBgutH{margin-top:50px;}} @media (max-width:1055px){.kBgutH{margin-top:32px;width:120%;left:-32px;margin-bottom:0px;}} @media (max-width:672px){.kBgutH{width:120%;left:-32px;}} /* sc-component-id: Leadspace4VE__CustomDropdownDiv-sc-95e04bae-1 */ .bEHPGA{width:100%;max-width:650px;padding-left:16px;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:row;-ms-flex-direction:row;flex-direction:row;-webkit-flex-wrap:nowrap;-ms-flex-wrap:nowrap;flex-wrap:nowrap;-webkit-box-pack:start;-webkit-justify-content:flex-start;-ms-flex-pack:start;justify-content:flex-start;} @media (max-width:671px){.bEHPGA{-webkit-flex-wrap:wrap;-ms-flex-wrap:wrap;flex-wrap:wrap;}} .bEHPGA a:not(:first-child):hover{background:#0f62fe;color:#ffffff;} /* sc-component-id: Leadspace4VE__TextWrap-sc-95e04bae-2 */ .jyibmG{position:relative;z-index:1;} .jyibmG p{font-size:20px;color:#161616;line-height:26px;} @media (max-width:671px){.jyibmG > div > h1{color:#000000 !important;}} @media (max-width:671px){.jyibmG > div > h2{color:#000000 !important;}} @media (max-width:671px){.jyibmG > div > p{color:#000000 !important;max-width:100% !important;}} @media (max-width:480px){.jyibmG{width:50%;}} /* sc-component-id: Leadspace4VE__HeaderTitleH1-sc-95e04bae-3 */ .iGDRUI{font-size:calc((54 / 1062) * 100vw);line-height:1.13;font-weight:300;color:#161616;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;} .iGDRUI span{white-space:nowrap;position:relative;} @media (max-height:810px){.iGDRUI{font-size:calc((54 / 700) * 100vh);}} @media (min-width:1584px){.iGDRUI{font-size:76px;}@media (max-height:810px){.iGDRUI{font-size:calc((54 / 700) * 100vh);}}} @media (max-width:1056px){.iGDRUI{font-size:54px;}} @media (max-width:672px){.iGDRUI{font-size:42px;line-height:50px;}} @media (max-width:320px){.iGDRUI{font-size:42px;line-height:50px;width:288px;}} /* sc-component-id: Leadspace4VE__HeaderSubTitleDiv-sc-95e04bae-4 */ .kRKPlp{margin-top:64px;font-size:24px;line-height:30px;color:#161616;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;} @media (max-width:1584px){.kRKPlp{margin-top:64px;font-size:24px;line-height:30px;}} @media (max-width:1312px){.kRKPlp{margin-top:53px;font-size:20px;line-height:26px;}} @media (max-width:1056px){.kRKPlp{margin-top:64px;font-size:20px;line-height:26px;}} @media (max-width:672px){.kRKPlp{margin-top:64px;font-size:20px;line-height:26px;}} @media (max-width:320px){.kRKPlp{margin-top:46px;font-size:20px;line-height:26px;width:288px;}} /* sc-component-id: Leadspace4VE__MobileBreadcrumbs-sc-95e04bae-5 */ .gjsVpJ{font-size:14px;-webkit-letter-spacing:0.16px;-moz-letter-spacing:0.16px;-ms-letter-spacing:0.16px;letter-spacing:0.16px;line-height:20px;margin-bottom:20px;} @media (min-width:672px){.gjsVpJ{display:none !important;}} .gjsVpJ > *{font-size:14px;margin-right:0.5rem;-webkit-text-decoration:none !important;text-decoration:none !important;} .gjsVpJ > a{font-size:14px;margin-right:0.5rem;-webkit-text-decoration:none !important;text-decoration:none !important;} .gjsVpJ > *:after{content:'|';margin-left:0.5rem;display:inline;font-size:14px;} .gjsVpJ > *:last-child:after{font-size:14px;content:'';color:none !important;} /* sc-component-id: Leadspace4VE__CustomDownloadBtnDiv-sc-95e04bae-6 */ .dsWgBO{display:block;} .dsWgBO > div{padding-right:unset;} .dsWgBO > div .button-primary{margin-right:16px;font-weight:400;} @media (max-width:671px){.dsWgBO > div .button-primary{width:100%;margin-right:unset;}} .dsWgBO > div .button-secondary{background-color:#e5f6ff;border:1px solid #0f62fe;color:#0f62fe;font-weight:400;padding-right:16px;} @media (max-width:671px){.dsWgBO > div .button-secondary{margin-top:16px;margin-right:unset;width:100%;}} /* sc-component-id: Leadspace4VE__ButtonAreaDiv-sc-95e04bae-7 */ .kAEthx{z-index:5;margin-top:unset;} @media (max-width:1312px){.kAEthx{margin-top:unset;}} @media (max-width:1055px){.kAEthx{margin-top:unset;}} @media (max-width:320px){.kAEthx{margin-top:unset;margin-bottom:-45px;}} @media (max-height:755px){.kAEthx{margin-top:unset;}} /* sc-component-id: Bar__DesktopImage-sc-94b2acad-0 */ .lipHCn{height:calc(265/1312 * 100vw);} @media (max-width:320px){}.lcEmyq{height:calc(400/1312 * 100vw);} @media (max-width:320px){}.tJxyH{height:calc(272/1312 * 100vw);} @media (max-width:320px){}.gjVhlt{height:calc(312/1509 * 100vw);} @media (max-width:320px){} /* sc-component-id: Bar__GreyLines-sc-94b2acad-1 */ .ckhBUF{position:absolute;width:100%;} @media (max-width:671px){} .ckhBUF object{position:absolute;top:0%;width:100%;} /* sc-component-id: Bar__AnimationSVG-sc-94b2acad-2 */ .LLAqf{position:relative;height:calc(596/1312 * 100vw);} @media (max-width:671px){.LLAqf{max-height:173px;}} /* sc-component-id: Bar__LabelTop-sc-94b2acad-3 */ .ioHFeg{color:#a8a8a8;font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-size:42px;font-weight:300;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:50px;margin:20px 16px 0px 16px;} @media (max-width:1080px){.ioHFeg{font-size:32px;}} @media 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(max-width:1080px){.hlIFYt{font-size:32px;}} @media (max-width:671px){.hlIFYt{font-size:28px;line-height:50px;}} @media (max-width:320px){.hlIFYt{margin:20px 10px;font-size:42px;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:50px;}} /* sc-component-id: Bar__ImageBar1ContainerDiv-sc-94b2acad-5 */ .dOunlO{margin:-150px 0px -210px 0px;} @media (max-width:671px){.dOunlO{margin:-50px 0px -50px 0px;}} @media (min-width:1200px){.dOunlO{margin-top:-200px;}} @media (min-width:1400px){.dOunlO{margin-top:-250px;}} /* sc-component-id: Page-styled__BarWrapper-sc-fb0c530b-1 */ .ZowkM{margin-top:-160px;} @media (max-width:1057px){.ZowkM{margin-top:0px;}} /* sc-component-id: Page-styled__RelatedReportsDesktopDiv-sc-fb0c530b-2 */ @media (max-width:1055px){.jeXFqz{display:none;}} /* sc-component-id: Page-styled__RelatedReportsMobileDiv-sc-fb0c530b-3 */ @media (min-width:1056px){.jVDUvG{display:none;}} /* sc-component-id: Page-styled__SpaceUnderMarketLinksDiv-sc-fb0c530b-4 */ .keOwKq{height:40px;} @media (min-width:1056px){.keOwKq{display:none;}} /* sc-component-id: Page-styled__LeadspaceWrapperDiv-sc-fb0c530b-5 */ .bnlQYk .button-primary,.bnlQYk .button-secondary{max-width:unset;} /* sc-component-id: Page-styled__SpaceAboveMarketLinksDiv-sc-fb0c530b-6 */ .ekPgik{height:40px;} /* sc-component-id: CustomReportTextContent__TextContentDiv-sc-947421ea-0 */ .bziPNk{margin-top:24px;font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-size:16px;font-color:#161616;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:24px;} @media (max-width:671px){.bziPNk{margin-top:16px;}} .bziPNk p{font-size:16px;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:24px;} .bziPNk a{-webkit-text-decoration:underline;text-decoration:underline;} /* sc-component-id: 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h2{position:relative;font-size:28px;color:#161616;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:36px;padding:79px 16px 30px;} @media (max-width:671px){.lnGOHP h2{top:0;position:relative;border-left:2px solid #f1c21b;padding:30px 16px 60px;}} @media (max-width:671px){.lnGOHP{padding-right:15px;}} .lnGOHP .gline{border-left:2px solid #f1c21b;margin-left:-2px;} @media (max-width:1088px){.lnGOHP .gline{margin-left:-3px;}} @media (max-width:671px){.lnGOHP .gline{border-left:none;}} /* sc-component-id: SectionOne__ScrollSection-sc-a11376f8-5 */ .gSBNjE{position:relative;margin:0px auto;max-width:1088px;padding-bottom:0px;} .gSBNjE .ibm-grid-container{position:relative;} .gSBNjE .info{position:relative;border-left:2px solid #f1c21b;padding-top:459px;padding-bottom:114px;} @media (max-width:540px){.gSBNjE{display:none;}} /* sc-component-id: SectionOne__ScrollSectionDesktop-sc-a11376f8-6 */ .uQaXv{display:block;position:relative;margin:0px auto;max-width:1088px;padding-bottom:20px;} .uQaXv .ibm-grid-container{position:relative;} .uQaXv .info{position:relative;border-left:2px solid #f1c21b;padding-top:30px;padding-bottom:20px;} @media (max-width:540px){.uQaXv{display:none;}} /* sc-component-id: SectionOne__ScrollSectionMobile-sc-a11376f8-7 */ .fdhvqK{display:none;position:relative;margin:0px auto;max-width:1088px;padding-bottom:20px;} .fdhvqK .ibm-grid-container{position:relative;} .fdhvqK .info{position:relative;border-left:2px solid #f1c21b;padding-top:30px;padding-bottom:20px;} @media (max-width:540px){.fdhvqK{display:block;}} /* sc-component-id: SectionOne__CarouselDivDesktop-sc-a11376f8-8 */ .QmOKu{width:100%;margin-left:-2px;margin-right:-15px;padding:0px 0px 5px;color:#161616;} @media (max-width:1230px){.QmOKu{margin-left:0;margin-right:0;padding:0px 20px 5px;}} /* sc-component-id: SectionOne__CarouselDivMobile-sc-a11376f8-9 */ .bVOOcV{width:100%;background-color:#f4f4f4;margin-left:-15px;margin-right:-15px;padding:20px 20px 5px;color:#161616;} @media (max-width:1230px){.bVOOcV{margin-left:0;margin-right:0;padding:20px 20px 5px;}} /* sc-component-id: SectionOne__CarouselContentDiv-sc-a11376f8-10 */ .hvsvDO{color:#f4f4f4;} .hvsvDO .content{font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-size:28px;line-height:36px;} /* sc-component-id: SectionThree__MainContainerDiv-sc-2746a808-0 */ .cYQMpM{padding-top:152px;padding-bottom:112px;} @media (max-width:671px){.cYQMpM{padding-top:0px;}} /* sc-component-id: SectionThree__SectionHeader-sc-2746a808-1 */ .ljyozs{padding:10px 0;} /* sc-component-id: SectionThree__ContentBlock-sc-2746a808-2 */ .bwmnbe{padding:0px 0 0px 50px;max-width:529px;margin-left:34px;} .bwmnbe h2{font-size:42px;color:#161616;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:50px;font-weight:300;padding:0 0 15px;} .bwmnbe h2 span{font-weight:800;display:block;} .bwmnbe p{font-size:14px;line-height:1.42em;padding:40px 0px 0px;} @media (max-width:671px){.bwmnbe{margin-left:0px;margin-top:60px;padding:0;}} /* sc-component-id: SectionThree__DividerLine-sc-2746a808-3 */ .QViKC{z-index:10;position:relative;padding:0px 0px 150px;width:100vw;height:calc(312 / 1509 * 100vw);min-width:1509px;margin:0px 0px -200px 0px;} .QViKC img{object-fit:contain;position:absolute;width:100%;height:auto;-webkit-user-select:none;-moz-user-select:none;-ms-user-select:none;-webkit-user-select:none;-moz-user-select:none;-ms-user-select:none;user-select:none;} .QViKC #dividerWaveMobile{display:none;} @media (max-width:671px){.QViKC{margin:40px auto -105px;width:100vw;min-width:100%;}.QViKC img{height:auto;}.QViKC #dividerWave{display:none;}.QViKC #dividerWaveMobile{display:block;}} /* sc-component-id: SectionThree__DownloadButtonsBlock-sc-2746a808-5 */ .eHQkTw{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;-webkit-box-pack:center;-webkit-justify-content:center;-ms-flex-pack:center;justify-content:center;} /* sc-component-id: SectionThree__CustomDownloadBtnDiv-sc-2746a808-6 */ .ytozG .button-primary{margin-top:16px;border:1px solid #0062ff;font-weight:400;font-size:14px;} @media (max-width:671px){.ytozG .button-primary span{white-space:pre-wrap;}} .ytozG .button-secondary{margin-top:16px;background-color:#ffffff;border:1px solid #0f62fe;color:#0f62fe;font-weight:400;font-size:14px;} .ytozG .button-secondary:hover{background:#0f62fe;color:#ffffff;} @media (max-width:671px){.ytozG .button-secondary span{white-space:pre-wrap;}} /* sc-component-id: SectionThree__Section3Content-sc-2746a808-7 */ .bZNdeh{padding:146px 0 46px;position:relative;} .bZNdeh .bg{position:absolute;top:0px;left:0px;width:100%;height:100%;} .bZNdeh 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.gFCEJt{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:row;-ms-flex-direction:row;flex-direction:row;-webkit-flex-wrap:wrap;-ms-flex-wrap:wrap;flex-wrap:wrap;padding-bottom:32px;} @media (max-width:320px){.gFCEJt{margin-left:16px !important;margin-right:16px !important;}} .gFCEJt .cds--btn{width:25rem;max-width:unset;} @media (max-width:480px){.gFCEJt .button-primary,.gFCEJt .button-secondary{width:100%;}.gFCEJt .button-primary span,.gFCEJt .button-secondary span{white-space:pre-wrap;}}.clAKqr{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:row;-ms-flex-direction:row;flex-direction:row;-webkit-flex-wrap:wrap;-ms-flex-wrap:wrap;flex-wrap:wrap;padding-bottom:32px;} @media (max-width:320px){.clAKqr{margin-left:16px !important;margin-right:16px !important;}} .clAKqr .cds--btn{width:25rem;max-width:25rem;} @media (max-width:480px){.clAKqr .button-primary,.clAKqr 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all ease-in-out;overflow:hidden;} /* sc-component-id: Carousel__TextContent-sc-8247415a-2 */ .iLmYSI{color:#f4f4f4;border-left:#f1c21b 2px solid;padding-left:20px;} .iLmYSI p{font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-size:28px;line-height:36px;margin-bottom:10px;} .iLmYSI p b{font:revert;} @media (max-width:1230px){.iLmYSI p{font-size:16px;line-height:24px;}} /* sc-component-id: Carousel__ImageContent-sc-8247415a-3 */ .jVXrsV{color:#f4f4f4;display:block;margin-bottom:20px;} .jVXrsV .title{font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-size:28px;line-height:36px;margin-bottom:30px;border-left:#f1c21b 2px solid;padding-left:20px;} .jVXrsV img{display:block;margin-left:auto;margin-right:auto;} @media (max-width:1230px){.jVXrsV{display:none;}} /* sc-component-id: Carousel__ImageContentMobile-sc-8247415a-4 */ .jDBkEP{color:#f4f4f4;display:none;margin-bottom:25px;} .jDBkEP .title{font-family:'IBM Plex Sans','Helvetica 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0px;width:50px;}.Rdrew.arrow-left:before{content:'<';font-size:20px;vertical-align:middle;}.Rdrew.arrow-right:before{content:'>';font-size:20px;vertical-align:middle;}} /* sc-component-id: Carousel__IndicatorWrapper-sc-8247415a-7 */ .ktixdk{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-wrap:nowrap;-ms-flex-wrap:nowrap;flex-wrap:nowrap;margin-bottom:5px;} /* sc-component-id: Carousel__IndicatorBar-sc-8247415a-8 */ .jZzNq{width:100%;height:4px;border-radius:1px;background-color:#F1C21B;margin:20px 2px 10px;-webkit-transition:250ms all ease-in-out;transition:250ms all ease-in-out;} @media (max-width:1230px){.jZzNq{display:none;}}.jSgEem{width:100%;height:4px;border-radius:1px;background-color:#A8A8A8;margin:20px 2px 10px;-webkit-transition:250ms all ease-in-out;transition:250ms all ease-in-out;} @media (max-width:1230px){.jSgEem{display:none;}} /* sc-component-id: Carousel__IndicatorBarMobile-sc-8247415a-9 */ .iuBWAa{display:block;} @media (max-width:1230px){.iuBWAa{width:8px;height:8px;border-radius:50%;background-color:#F1C21B;margin:17px 5px 0px;-webkit-transition:250ms all ease-in-out;transition:250ms all ease-in-out;}}.fBqUQj{display:block;} @media (max-width:1230px){.fBqUQj{width:8px;height:8px;border-radius:50%;background-color:#A8A8A8;margin:17px 5px 0px;-webkit-transition:250ms all ease-in-out;transition:250ms all ease-in-out;}} /* sc-component-id: LightboxModal__CenterImageDiv-sc-1bc3b872-0 */ .iaDhMT{-webkit-box-pack:center;-webkit-justify-content:center;-ms-flex-pack:center;justify-content:center;background-color:#26849e;} /* sc-component-id: LightboxModal__ModalWrap-sc-1bc3b872-1 */ .llJIHJ{width:992px;} /* sc-component-id: LightboxModal__ContentDiv-sc-1bc3b872-2 */ .gzvzGl{color:#f4f4f4;} .gzvzGl p{line-height:1.625rem;} /* sc-component-id: LightboxModal__ScreenWidthGreatThanBIGDiv-sc-1bc3b872-3 */ @media (max-width:1055px){.jBxpxk{display:none;}} /* sc-component-id: LightboxModal__ScreenWidthLessThanBIGDiv-sc-1bc3b872-4 */ @media (min-width:1056px){.kJplJQ{display:none;}} /* sc-component-id: LightboxModal__DividerLineHr-sc-1bc3b872-5 */ .kLWqpa{width:100%;border:1px solid #f1c21b;} /* sc-component-id: LightboxModal__HeaderDiv-sc-1bc3b872-6 */ .fxeAjC{font-size:28px;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:36px;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;-webkit-box-pack:end;-webkit-justify-content:flex-end;-ms-flex-pack:end;justify-content:flex-end;} /* sc-component-id: LightboxModal__TitleDiv-sc-1bc3b872-7 */ .dMOgHv{font-size:28px;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:36px;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;-webkit-box-pack:end;-webkit-justify-content:flex-end;-ms-flex-pack:end;justify-content:flex-end;display:unset;} /* sc-component-id: LightboxModal__ResultTitleDiv-sc-1bc3b872-8 */ .gjKSIf{color:#ffffff;font-size:16px !important;font-weight:bold;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:24px;} /* sc-component-id: LightboxModal__CloseModalImg-sc-1bc3b872-9 */ .daRJPr{width:40px;height:40px;} .daRJPr:hover{cursor:pointer;} /* sc-component-id: LightboxModalDesktopWrapper__LinkArrow-sc-978dca88-0 */ .wTsGU{color:#0f62fe !important;font-size:16px;line-height:24px;-webkit-text-decoration:none !important;text-decoration:none !important;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;} .wTsGU:after{content:'→';font-size:20px;vertical-align:middle;margin-left:10px;} /* sc-component-id: LightboxModalDesktopWrapper__TextWithArrowAnchor-sc-978dca88-1 */ .jrhsbO{display:-webkit-inline-box;display:-webkit-inline-flex;display:-ms-inline-flexbox;display:inline-flex;font-weight:300;font-size:16px;color:#0064ff;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:24px;margin-bottom:8px;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;} @media (max-width:320px){.jrhsbO{-webkit-letter-spacing:0.16px;-moz-letter-spacing:0.16px;-ms-letter-spacing:0.16px;letter-spacing:0.16px;}} .jrhsbO:hover{color:#0064ff;font-weight:400;cursor:pointer;} .jrhsbO:focus{outline:none;} /* sc-component-id: LightboxModalDesktopWrapper__DesktopDiv-sc-978dca88-2 */ .bfzqla p{font-size:16px;} @media (max-width:671px){.bfzqla{display:none;}} /* sc-component-id: CaseStudyPanelMobile__MainDiv-sc-2500ee67-0 */ .jcVCSz{background-color:#f4f4f4;margin-right:0 !important;margin-left:0 !important;padding-top:40px;padding-right:16px !important;padding-left:32px;color:#161616;} @media (max-width:320px){.jcVCSz{margin-right:-16px;padding-left:16px;}} /* sc-component-id: CaseStudyPanelMobile__YaraMainDiv-sc-2500ee67-1 */ .cyzkOU{background-color:#f4f4f4;margin-right:0 !important;margin-left:0 !important;padding-top:40px;padding-right:16px !important;padding-left:32px;color:#161616;} @media (max-width:320px){.cyzkOU{margin-right:-16px;padding-left:16px;}} @media (max-width:321px){.cyzkOU{padding-right:16px;padding-left:32px;}} @media (max-width:320px){.cyzkOU{margin-left:unset;padding-right:32px;padding-left:48px;}} /* sc-component-id: CaseStudyPanelMobile__NormalCaseStudyDiv-sc-2500ee67-2 */ @media (max-width:320px){.eLhlDI{margin-right:16px;margin-left:16px;}} /* sc-component-id: CaseStudyPanelMobile__TitleDiv-sc-2500ee67-3 */ .cePzRv{font-size:16px;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:24px;} /* sc-component-id: CaseStudyPanelMobile__ResultTitleDiv-sc-2500ee67-4 */ .cCXRCz{font-size:16px;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:24px;font-weight:bold;} /* sc-component-id: CaseStudyPanelMobile__DividerLineHr-sc-2500ee67-5 */ .ijRvgQ{margin-top:16px;width:100%;border:1px solid #f1c21b;} /* sc-component-id: CaseStudyPanelMobile__ParagraphContentDiv-sc-2500ee67-6 */ .hHEXvU{-webkit-column-count:1;column-count:1;-webkit-column-count:1;-moz-column-count:1;} /* sc-component-id: CaseStudyPanelMobile__SectionItemDiv-sc-2500ee67-7 */ .bTRYkA{-webkit-flex-flow:row wrap;-ms-flex-flow:row wrap;flex-flow:row wrap;-webkit-break-inside:avoid-column;break-inside:avoid-column;display:table;} /* sc-component-id: CaseStudyPanelMobile__TextUl-sc-2500ee67-8 */ 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.cols{-webkit-column-count:1;column-count:1;}} @media (max-width:840px){.efGCKj{-webkit-column-count:1;column-count:1;}} .efGCKj > h2,.efGCKj > span{display:inline-block;color:#525252;font-size:1.25rem;font-weight:600;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:1.625rem;padding-right:1.5rem;padding-left:1.5rem;} .efGCKj > div{color:#161616;font-size:1rem;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:1.5rem;padding-top:1.5rem;padding-right:1.5rem;padding-left:1.5rem;} .efGCKj > .cols .para{color:#161616;font-size:1rem;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:1.5rem;padding-bottom:1.5rem;padding-right:1.5rem;padding-left:1.5rem;-webkit-break-inside:avoid-column;break-inside:avoid-column;} .efGCKj > .cols .para ul{padding-bottom:unset;} .efGCKj > .cols .para ul li{display:inline-block;} .efGCKj > .cols .para ul li::before{color:#161616;margin-left:-1.625rem;} /* sc-component-id: LearnMoreStoryBox1-styled__LearnMoreStoryDiv-sc-d9a44ed6-0 */ .dUerPZ > img{width:46.6%;} /* sc-component-id: LearnMoreStoryBox1-styled__LearnMoreStoryTitleP-sc-d9a44ed6-1 */ .ghHIbT{padding-top:16px;margin-bottom:-16px;color:#161616;font-size:16px;font-weight:600;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:24px;} /* sc-component-id: LearnMoreStoryBox1-styled__LearnMoreStoryContentP-sc-d9a44ed6-2 */ .kwjLLq{padding-top:16px;margin-bottom:-16px;color:#161616;font-size:16px;font-weight:600;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:24px;margin-bottom:unset;font-weight:300;} /* sc-component-id: LearnMoreStoryBox1-styled__Arrow-sc-d9a44ed6-3 */ .hARncB{margin-top:1px;-webkit-text-decoration:none;text-decoration:none;} .hARncB:after{content:'→';padding-left:12px;-webkit-text-decoration:none;text-decoration:none;} /* sc-component-id: LearnMoreStoryBox1-styled__TextWithArrowAnchor-sc-d9a44ed6-4 */ .gVtTeg{display:block;font-weight:300;font-size:16px;color:#0064ff;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:24px;margin-bottom:8px;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;} @media (max-width:320px){.gVtTeg{-webkit-letter-spacing:0.16px;-moz-letter-spacing:0.16px;-ms-letter-spacing:0.16px;letter-spacing:0.16px;}} .gVtTeg:hover{color:#0064ff;font-weight:400;cursor:pointer;} .gVtTeg:focus{outline:none;} /* sc-component-id: LearnMoreStoryBox1-styled__ContentDiv-sc-d9a44ed6-5 */ .gdMzZM{padding-right:0px;padding-left:0px;} /* sc-component-id: SectionEssential-styled__DesktopContainer-sc-5566c6ee-0 */ .lhFerU{font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;} /* sc-component-id: SectionEssential-styled__NumberBoxDiv-sc-5566c6ee-3 */ .ecgDBI{background-color:#0e6027;color:#ffffff;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;overflow:hidden;} @media (max-width:671px){.ecgDBI{max-width:260px;}}.iCYvXM{background-color:#00539a;color:#ffffff;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;overflow:hidden;} @media (max-width:671px){.iCYvXM{max-width:260px;}}.DbOVI{background-color:#6929c4;color:#ffffff;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;overflow:hidden;} @media (max-width:671px){.DbOVI{max-width:260px;}}.lkcOjo{color:#ffffff;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;overflow:hidden;} @media (max-width:671px){.lkcOjo{max-width:260px;}} /* sc-component-id: SectionEssential-styled__NumberBoxDigitalLabelSpan-sc-5566c6ee-4 */ .kFiYVu{padding-top:40px;margin-left:-19px;font-size:100px;font-weight:600;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:40px;} /* sc-component-id: SectionEssential-styled__NumberBoxLabelSpan-sc-5566c6ee-5 */ .diYbUx{padding-top:40px;padding-bottom:40px;padding-left:45px;padding-right:70px;font-size:32px;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:40px;} @media (max-width:1220px){.diYbUx{font-size:24px;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:32px;}} @media (max-width:1055px){.diYbUx{font-size:32px;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:40px;}} @media (max-width:940px){.diYbUx{font-size:24px;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:32px;}} @media (max-width:770px){.diYbUx{font-size:20px;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:28px;}} @media (max-width:671px){.diYbUx{font-size:32px;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:40px;}} /* sc-component-id: SectionEssential-styled__HeaderParagraphTitle-sc-5566c6ee-6 */ .iEQPdh{padding-top:80px;color:#161616;font-size:20px;font-weight:600;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:26px;} @media (max-width:671px){.iEQPdh{padding-top:60px;}} @media (max-width:320px){.iEQPdh{padding-top:40px;padding-right:16px;padding-left:16px;}} /* sc-component-id: SectionEssential-styled__HeaderParagraphItemDiv-sc-5566c6ee-7 */ .iIjdqt{color:#161616;font-size:16px;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:24px;padding-bottom:15px;} .iIjdqt ul > li{padding-left:22px;} .iIjdqt ul > li:before{color:#161616;} @media (max-width:320px){.iIjdqt{font-size:14px;padding-right:16px;padding-left:16px;}}.oiHMZ{color:#161616;font-size:16px;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:24px;} .oiHMZ ul > li{padding-left:22px;} .oiHMZ ul > li:before{color:#161616;} @media (max-width:320px){.oiHMZ{font-size:14px;padding-right:16px;padding-left:16px;}} /* sc-component-id: SectionEssential-styled__PercentageInformationCardDiv-sc-5566c6ee-8 */ .gCsvmN{padding:inherit 44px;} .gCsvmN > span{color:#0e6027;font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-size:54px;font-weight:bold;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:64px;} .gCsvmN > span:first-child{font-family:'IBM Plex Mono','Menlo','DejaVu Sans Mono','Bitstream Vera Sans Mono',Courier,monospace;} @media (max-width:671px){.gCsvmN{padding:inherit unset;}} .gCsvmN > p{padding-top:8px;font-size:16px;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:24px;} @media (max-width:672px){.gCsvmN{max-width:100% !important;}} @media (min-width:672px){} @media (max-width:672px){.gCsvmN{padding-right:0px;padding-left:0px;}}.hDqAPq{max-width:50% !important;} .hDqAPq > span{color:#00539a;font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-size:54px;font-weight:bold;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:64px;} .hDqAPq > p{padding-top:8px;font-size:16px;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:24px;} @media (max-width:672px){.hDqAPq{max-width:100% !important;}} @media (min-width:672px){.hDqAPq{padding-right:44px;padding-left:44px;}} @media (max-width:672px){.hDqAPq{padding-right:0px;padding-left:0px;}}.Rtamu{max-width:50% !important;padding:inherit 44px;} .Rtamu > span{font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-size:54px;font-weight:bold;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:64px;} .Rtamu > span:first-child{font-family:'IBM Plex Mono','Menlo','DejaVu Sans Mono','Bitstream Vera Sans Mono',Courier,monospace;} @media (max-width:671px){.Rtamu{padding:inherit unset;}} .Rtamu > p{padding-top:8px;font-size:16px;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:24px;} @media (max-width:672px){.Rtamu{max-width:100% !important;}} @media (min-width:672px){} @media (max-width:672px){} /* sc-component-id: SectionEssential-styled__PercentageInformationMiddleDiv-sc-5566c6ee-9 */ .duobFn{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:row;-ms-flex-direction:row;flex-direction:row;} @media (max-width:671px){.duobFn{-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;margin:inherit -16px;}} @media (max-width:320px){.duobFn{margin-right:unset;margin-left:unset;}} /* sc-component-id: SectionEssential-styled__LearnMoreStoryBox1WrapperDiv-sc-5566c6ee-10 */ @media (max-width:671px){.ktOvHL{display:none;}} /* sc-component-id: SectionEssential-styled__MiddleWrapperDiv-sc-5566c6ee-11 */ .jlcigp{margin-left:-32px;} @media (max-width:671px){.jlcigp{margin-left:unset;}} @media (max-width:320px){.jlcigp{margin-left:16px;}} /* sc-component-id: SectionEssential-styled__SectionEssentialTabDesktopDiv-sc-5566c6ee-12 */ @media (max-width:671px){.gIDQCC{display:none;}} /* sc-component-id: SectionEssential-styled__SectionEssentialTabMobileDiv-sc-5566c6ee-13 */ @media (min-width:672px){.jdgidH{display:none;}} /* sc-component-id: SectionEssentialTabAccordionMobile-styled__OrgRespondingMobile-sc-752930af-0 */ .ilMEid{color:#ffffff;} /* sc-component-id: SectionEssentialTabAccordionMobile-styled__AccordionOuterDiv-sc-752930af-1 */ .cvSOQJ{background-color:#0E6027;width:100%;} .cvSOQJ ul{padding-bottom:0;} .cvSOQJ ul li{padding-left:unset;} .cvSOQJ ul li::before{content:unset;} .cvSOQJ .cds--accordion__item:last-child{border-top:none;border-bottom:none;} .cvSOQJ .cds--accordion__item .cds--accordion__heading{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;height:5rem;} .cvSOQJ .cds--accordion__item .cds--accordion__heading:focus{border:unset;box-shadow:unset;} .cvSOQJ .cds--accordion__item .cds--accordion__heading:hover{background-color:unset;} .cvSOQJ .cds--accordion__item .cds--accordion__heading .cds--accordion__arrow{fill:#f3f3f3;-webkit-transform:rotate(90deg) scale(1.5);-ms-transform:rotate(90deg) scale(1.5);transform:rotate(90deg) scale(1.5);margin-right:2rem;} .cvSOQJ .cds--accordion__item .cds--accordion__heading .cds--accordion__title{color:#f3f3f3;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:1.375rem;font-size:16px;font-weight:600;margin:0;padding-left:2rem;} .cvSOQJ .cds--accordion__item .cds--accordion__content{padding:0;} @media (max-width:320px){.cvSOQJ .cds--accordion__item .cds--accordion__content{padding-right:1rem;padding-left:1rem;}} .cvSOQJ .cds--accordion__item--active > .cds--accordion__heading > .cds--accordion__title{color:#f3f3f3;} .cvSOQJ .cds--accordion__item--active > .cds--accordion__heading > .cds--accordion__arrow{fill:#f3f3f3;-webkit-transform:rotate(-90deg) scale(1.5);-ms-transform:rotate(-90deg) scale(1.5);transform:rotate(-90deg) scale(1.5);}.cKCbpo{background-color:#044317;width:100%;} .cKCbpo ul{padding-bottom:0;} .cKCbpo ul li{padding-left:unset;} .cKCbpo ul li::before{content:unset;} .cKCbpo .cds--accordion__item:last-child{border-top:none;border-bottom:none;} .cKCbpo .cds--accordion__item .cds--accordion__heading{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;height:5rem;} .cKCbpo .cds--accordion__item .cds--accordion__heading:focus{border:unset;box-shadow:unset;} .cKCbpo .cds--accordion__item .cds--accordion__heading:hover{background-color:unset;} .cKCbpo .cds--accordion__item .cds--accordion__heading .cds--accordion__arrow{fill:#f3f3f3;-webkit-transform:rotate(90deg) scale(1.5);-ms-transform:rotate(90deg) scale(1.5);transform:rotate(90deg) scale(1.5);margin-right:2rem;} .cKCbpo .cds--accordion__item .cds--accordion__heading .cds--accordion__title{color:#f3f3f3;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:1.375rem;font-size:16px;font-weight:600;margin:0;padding-left:2rem;} .cKCbpo .cds--accordion__item .cds--accordion__content{padding:0;} @media (max-width:320px){.cKCbpo .cds--accordion__item .cds--accordion__content{padding-right:1rem;padding-left:1rem;}} .cKCbpo .cds--accordion__item--active > .cds--accordion__heading > .cds--accordion__title{color:#f3f3f3;} .cKCbpo .cds--accordion__item--active > .cds--accordion__heading > .cds--accordion__arrow{fill:#f3f3f3;-webkit-transform:rotate(-90deg) scale(1.5);-ms-transform:rotate(-90deg) scale(1.5);transform:rotate(-90deg) scale(1.5);}.gdIdCi{background-color:#00539A;width:100%;} .gdIdCi ul{padding-bottom:0;} .gdIdCi ul li{padding-left:unset;} .gdIdCi ul li::before{content:unset;} .gdIdCi .cds--accordion__item:last-child{border-top:none;border-bottom:none;} .gdIdCi .cds--accordion__item .cds--accordion__heading{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;height:5rem;} .gdIdCi .cds--accordion__item .cds--accordion__heading:focus{border:unset;box-shadow:unset;} .gdIdCi .cds--accordion__item .cds--accordion__heading:hover{background-color:unset;} .gdIdCi .cds--accordion__item .cds--accordion__heading .cds--accordion__arrow{fill:#f3f3f3;-webkit-transform:rotate(90deg) scale(1.5);-ms-transform:rotate(90deg) scale(1.5);transform:rotate(90deg) scale(1.5);margin-right:2rem;} .gdIdCi .cds--accordion__item .cds--accordion__heading .cds--accordion__title{color:#f3f3f3;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:1.375rem;font-size:16px;font-weight:600;margin:0;padding-left:2rem;} .gdIdCi .cds--accordion__item .cds--accordion__content{padding:0;} @media (max-width:320px){.gdIdCi .cds--accordion__item .cds--accordion__content{padding-right:1rem;padding-left:1rem;}} .gdIdCi .cds--accordion__item--active > .cds--accordion__heading > .cds--accordion__title{color:#f3f3f3;} .gdIdCi .cds--accordion__item--active > .cds--accordion__heading > .cds--accordion__arrow{fill:#f3f3f3;-webkit-transform:rotate(-90deg) scale(1.5);-ms-transform:rotate(-90deg) scale(1.5);transform:rotate(-90deg) scale(1.5);}.ekJpRp{background-color:#003A6D;width:100%;} .ekJpRp ul{padding-bottom:0;} .ekJpRp ul li{padding-left:unset;} .ekJpRp ul li::before{content:unset;} .ekJpRp .cds--accordion__item:last-child{border-top:none;border-bottom:none;} .ekJpRp .cds--accordion__item .cds--accordion__heading{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;height:5rem;} .ekJpRp .cds--accordion__item .cds--accordion__heading:focus{border:unset;box-shadow:unset;} .ekJpRp .cds--accordion__item .cds--accordion__heading:hover{background-color:unset;} .ekJpRp .cds--accordion__item .cds--accordion__heading .cds--accordion__arrow{fill:#f3f3f3;-webkit-transform:rotate(90deg) scale(1.5);-ms-transform:rotate(90deg) scale(1.5);transform:rotate(90deg) scale(1.5);margin-right:2rem;} .ekJpRp .cds--accordion__item .cds--accordion__heading .cds--accordion__title{color:#f3f3f3;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:1.375rem;font-size:16px;font-weight:600;margin:0;padding-left:2rem;} .ekJpRp .cds--accordion__item .cds--accordion__content{padding:0;} @media (max-width:320px){.ekJpRp .cds--accordion__item .cds--accordion__content{padding-right:1rem;padding-left:1rem;}} .ekJpRp .cds--accordion__item--active > .cds--accordion__heading > .cds--accordion__title{color:#f3f3f3;} .ekJpRp .cds--accordion__item--active > .cds--accordion__heading > .cds--accordion__arrow{fill:#f3f3f3;-webkit-transform:rotate(-90deg) 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sc-component-id: ImageBox2-styled__PercentageSpan-sc-26b2245b-5 */ .bsPILb{color:#000;font-family:'IBM Plex Mono','Menlo','DejaVu Sans Mono','Bitstream Vera Sans Mono',Courier,monospace;}.gMhrcP{color:#FFFFFF;font-family:'IBM Plex Mono','Menlo','DejaVu Sans Mono','Bitstream Vera Sans Mono',Courier,monospace;} /* sc-component-id: ImageBox2-styled__PercentSpan-sc-26b2245b-6 */ .hgoSuS{color:#000;}.fjItSM{color:#FFFFFF;} /* sc-component-id: ImageBox2-styled__PercentageWrapperDiv-sc-26b2245b-7 */ .gFVUuP{font-size:48px;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:64px;} @media (max-width:1055px){.gFVUuP{font-size:40px;line-height:56px;}} @media (max-width:671px){.gFVUuP{font-size:48px;line-height:64px;}} /* sc-component-id: ImageBox2-styled__PercentageLabelDiv-sc-26b2245b-8 */ .icCGNv{color:#ffffff;font-size:20px;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:26px;} /* sc-component-id: 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.hFqvfc{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;} /* sc-component-id: LargeNumWithTextBoxJP-styled__LargeNumSpan-sc-34b89325-2 */ .jTBZvv{color:#e5f6ff;font-family:'IBM Plex Mono','Menlo','DejaVu Sans Mono','Bitstream Vera Sans Mono',Courier,monospace;font-size:164px;font-weight:300;-webkit-letter-spacing:-1.14px;-moz-letter-spacing:-1.14px;-ms-letter-spacing:-1.14px;letter-spacing:-1.14px;line-height:122px;} @media (max-width:671px){.jTBZvv{font-size:90px;-webkit-letter-spacing:-0.93px;-moz-letter-spacing:-0.93px;-ms-letter-spacing:-0.93px;letter-spacing:-0.93px;line-height:122px;}} /* sc-component-id: LargeNumWithTextBoxJP-styled__LargeNumSubscriptSpan-sc-34b89325-3 */ .eGZsAx{padding-left:16px;color:#ffffff;font-family:'IBM Plex Mono','Menlo','DejaVu Sans Mono','Bitstream Vera Sans Mono',Courier,monospace;font-size:16px;line-height:26px;} /* sc-component-id: LargeNumWithTextBoxJP-styled__TextDiv-sc-34b89325-4 */ .bndAbv{max-width:486px;padding-top:8px;padding-right:16px;padding-bottom:16px;padding-left:16px;color:#ffffff;font-size:20px;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:26px;} @media (max-width:671px){.bndAbv{padding-bottom:0;}} /* sc-component-id: LearnMoreStoryBoxMobile-styled__LearnMoreStoryDiv-sc-4c55df64-0 */ .kxPMGz > img{width:100%;} /* sc-component-id: LearnMoreStoryBoxMobile-styled__LearnMoreStoryTitleP-sc-4c55df64-1 */ .gzTbpt{padding-top:2rem;color:#161616;font-size:1rem;font-weight:600;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:1.5rem;} /* sc-component-id: LearnMoreStoryBoxMobile-styled__LearnMoreStoryContentP-sc-4c55df64-2 */ .honIUP{padding-top:2rem;color:#161616;font-size:1rem;font-weight:600;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:1.5rem;padding-top:0;font-weight:300;} /* sc-component-id: LearnMoreStoryBoxMobile-styled__ContentDiv-sc-4c55df64-3 */ .jrOrne{padding-top:1rem;} @media (max-width:671px){.jrOrne{padding-right:1rem;padding-left:1rem;}} /* sc-component-id: ListBox-styled__MainDiv-sc-be021503-0 */ .hoNmGQ{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;} /* sc-component-id: ListBox-styled__HeaderDiv-sc-be021503-1 */ .bhLLeY{color:#525252;font-size:1.5rem;font-weight:400;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:1.625rem;} .bhLLeY p{font-size:1.25rem;font-weight:bold;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:1.625rem;}.boJLpL{color:#525252;font-size:1.25rem;font-weight:bold;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:1.625rem;} .boJLpL p{font-size:1.25rem;font-weight:bold;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:1.625rem;}.bMDvcI{color:#525252;font-size:1rem;font-weight:400;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:1.625rem;} .bMDvcI p{font-size:1.25rem;font-weight:bold;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:1.625rem;} /* sc-component-id: ListBox-styled__ContentDiv-sc-be021503-2 */ .igLkyF{counter-reset:list-number;} .igLkyF > ul > li{color:#525252;font-size:1.25rem;line-height:1.875rem;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;margin-left:-6px;} .igLkyF > ul > li first-line{text-indent:0.25rem;} @media (max-width:320px){.igLkyF > ul > li{font-size:1rem;}} .igLkyF > ul > li::before{counter-increment:unset;content:"•";color:rgb(23,23,23);font-size:1.5rem;margin-left:-1.3rem;}.gWybzA{counter-reset:list-number;} .gWybzA > ul > li{color:#525252;font-size:1.25rem;line-height:1.875rem;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;} .gWybzA > ul > li first-line{text-indent:0.25rem;} @media (max-width:320px){.gWybzA > ul > li{font-size:1rem;}} .gWybzA > ul > li::before{counter-increment:unset;content:"•";color:#525252;font-size:1.25rem;font-weight:600;margin-left:-1.6rem;}.jgPJAx{counter-reset:list-number;} .jgPJAx > ul{padding-bottom:15px;} .jgPJAx > ul > li{color:#525252;font-size:1rem;line-height:1.875rem;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;text-indent:-0.2em;} .jgPJAx > ul > li first-line{text-indent:0.25rem;} @media (max-width:320px){.jgPJAx > ul > li{font-size:1rem;}} .jgPJAx > ul > li::before{counter-increment:unset;content:"•";color:rgb(23,23,23);font-size:1.5rem;margin-left:-1.3rem;}.iUAtaa{counter-reset:list-number;} .iUAtaa > ul{padding-bottom:15px;} .iUAtaa > ul > li{color:#525252;font-size:1.25rem;line-height:1.875rem;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;text-indent:-0.2em;} .iUAtaa > ul > li first-line{text-indent:0.25rem;} @media (max-width:320px){.iUAtaa > ul > li{font-size:1rem;}} .iUAtaa > ul > li::before{counter-increment:unset;content:"•";color:rgb(23,23,23);font-size:1.5rem;margin-left:-1.3rem;} /* sc-component-id: ListBoxMobile-styled__MainDiv-sc-91e381fa-0 */ .dxTTfk{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;} /* sc-component-id: ListBoxMobile-styled__HeaderDiv-sc-91e381fa-1 */ .IHjrT{color:#525252;font-size:20px;font-weight:600;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:26px;} .IHjrT p{font-size:20px;font-weight:600;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:26px;} .IHjrT span{font-weight:400;}.ylpJl{color:#F3F3F3;font-size:20px;font-weight:600;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:26px;} .ylpJl p{font-size:20px;font-weight:600;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:26px;} .ylpJl span{font-weight:400;} /* sc-component-id: ListBoxMobile-styled__ContentDivClassic-sc-91e381fa-2 */ @media (max-width:671px){.bVnsBk > ul{margin-bottom:15px;margin-top:-14px;}} .bVnsBk > ul > li{color:#525252;font-size:20px;text-indent:-0.2em;line-height:30px;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;} @media (max-width:671px){.bVnsBk > ul > li{font-size:16px;margin-left:28px;}} .bVnsBk > ul > li::before{content:'•' !important;position:absolute;color:#171717;} /* sc-component-id: ListBoxMobile-styled__ContentDivAlternative-sc-91e381fa-3 */ .eIqAlB{counter-reset:list-number;} @media (max-width:671px){.eIqAlB > ul{margin-bottom:15px;margin-top:-14px;}} .eIqAlB > ul > li{color:#525252;font-size:20px;line-height:30px;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;} @media (max-width:671px){.eIqAlB > ul > li{font-size:16px;margin-left:28px;}} .eIqAlB > ul > li::before{counter-increment:list-number;content:counter(list-number) !important;color:#525252;font-size:16px;font-weight:600;margin-left:-1.6rem;}.cdxRSn{counter-reset:list-number;} @media (max-width:671px){.cdxRSn > ul{margin-bottom:15px;margin-top:-14px;}} .cdxRSn > ul > li{color:#F3F3F3;font-size:20px;line-height:30px;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;} @media (max-width:671px){.cdxRSn > ul > li{font-size:16px;margin-left:28px;}} .cdxRSn > ul > li::before{counter-increment:unset;content:"•"!important;color:#F3F3F3;font-size:16px;font-weight:600;margin-left:-1.6rem;} /* sc-component-id: SmallPercentageCard-styled__MainDiv-sc-f973f365-0 */ .iXizha{background-color:#000;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:row;-ms-flex-direction:row;flex-direction:row;width:100%;margin-top:16px;} /* sc-component-id: SmallPercentageCard-styled__LeftDiv-sc-f973f365-1 */ .hyyZOv{padding-top:8px;width:33%;height:79px;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-box-pack:center;-webkit-justify-content:center;-ms-flex-pack:center;justify-content:center;} /* sc-component-id: SmallPercentageCard-styled__RightDiv-sc-f973f365-2 */ .iWFHYx{width:67%;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;} /* sc-component-id: SmallPercentageCard-styled__LabelDiv-sc-f973f365-3 */ .lingdN{color:#ffffff;font-size:16px;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:26px;} /* sc-component-id: SmallPercentageCard-styled__PercentageSpan-sc-f973f365-5 */ .bLsmBc{font-family:'IBM Plex Mono','Menlo','DejaVu Sans Mono','Bitstream Vera Sans Mono',Courier,monospace;} /* sc-component-id: SmallPercentageCard-styled__PercentageWrapperDiv-sc-f973f365-7 */ .cNbAGs{color:#ffffff;font-size:54px;font-weight:600;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:64px;} @media (max-width:850px){.cNbAGs{font-size:40px;line-height:48px;}} @media (max-width:671px){.cNbAGs{font-size:54px;line-height:64px;}} /* sc-component-id: MultiCardsBox-styled__MainDiv-sc-f113f0b2-0 */ .gqejLy{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;padding-bottom:64px;} @media (max-width:320px){.gqejLy{padding-bottom:32px;}} /* sc-component-id: MultiCardsBox-styled__HeaderDiv-sc-f113f0b2-1 */ .wigpc{color:#ffffff;font-size:20px;font-weight:600;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:26px;} /* sc-component-id: MultiPercentageBox-styled__MainDiv-sc-28470e88-0 */ .kEDtoB{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;} /* sc-component-id: MultiPercentageBox-styled__HeaderDiv-sc-28470e88-1 */ .gNwxZh{color:#525252;font-size:20px;font-weight:600;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:26px;} /* sc-component-id: MultiPercentageBox-styled__PercentageSpan-sc-28470e88-2 */ .iPbzpd{color:#0E6027;font-family:'IBM Plex Mono','Menlo','DejaVu Sans Mono','Bitstream Vera Sans Mono',Courier,monospace;font-size:54px;font-weight:300;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:64px;}.lkvMkM{color:#6929c4;font-family:'IBM Plex Mono','Menlo','DejaVu Sans Mono','Bitstream Vera Sans Mono',Courier,monospace;font-size:54px;font-weight:300;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:64px;} /* sc-component-id: MultiPercentageBox-styled__PercentSpan-sc-28470e88-3 */ .lkNiDM{color:#0E6027;font-size:36px;font-weight:300;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:64px;}.gpUyWI{color:#6929c4;font-size:36px;font-weight:300;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:64px;} /* sc-component-id: MultiPercentageBox-styled__PercentageLabelDiv-sc-28470e88-4 */ .jSHMa{color:#525252;font-size:20px;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:26px;} /* sc-component-id: MultiPercentageBox-styled__PercentageSnippeDiv-sc-28470e88-5 */ .dQEaUk{padding-top:24px;} /* sc-component-id: OutOfWithTextBox-styled__NumberDiv-sc-791a1e60-0 */ @media (max-width:671px){.cUrzRI{padding-left:10px;}} /* sc-component-id: OutOfWithTextBox-styled__MainDiv-sc-791a1e60-1 */ .bKtByu{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;} /* sc-component-id: OutOfWithTextBox-styled__OutOfTextSpan-sc-791a1e60-2 */ .lgzNVj{color:rgb(222,251,230);font-family:'IBM Plex Mono','Menlo','DejaVu Sans Mono','Bitstream Vera Sans Mono',Courier,monospace;font-size:130px;font-weight:300;-webkit-letter-spacing:-1.14px;-moz-letter-spacing:-1.14px;-ms-letter-spacing:-1.14px;letter-spacing:-1.14px;line-height:122px;} @media (max-width:671px){.lgzNVj{font-size:90px;-webkit-letter-spacing:-0.93px;-moz-letter-spacing:-0.93px;-ms-letter-spacing:-0.93px;letter-spacing:-0.93px;line-height:122px;}} /* sc-component-id: OutOfWithTextBox-styled__OutOfSpan-sc-791a1e60-3 */ .gRwxex{color:rgb(222,251,230);font-size:75px;font-weight:300;-webkit-letter-spacing:-0.7px;-moz-letter-spacing:-0.7px;-ms-letter-spacing:-0.7px;letter-spacing:-0.7px;line-height:122px;} @media (max-width:671px){.gRwxex{font-size:40px;-webkit-letter-spacing:-0.49px;-moz-letter-spacing:-0.49px;-ms-letter-spacing:-0.49px;letter-spacing:-0.49px;line-height:122px;}} /* sc-component-id: OutOfWithTextBox-styled__TextDiv-sc-791a1e60-4 */ .iozgmQ{max-width:486px;padding-right:16px;padding-left:16px;color:#ffffff;font-size:20px;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:26px;} /* sc-component-id: PercentageWithTextBox-styled__NumberDiv-sc-87799a79-0 */ @media (max-width:671px){.cZVkSh{padding-left:10px;}}@media (max-width:671px){} /* sc-component-id: PercentageWithTextBox-styled__MainDiv-sc-87799a79-1 */ .dsZtcv{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;} /* sc-component-id: PercentageWithTextBox-styled__PercentageSpan-sc-87799a79-2 */ .bAhvjH{color:#defbe6;font-family:'IBM Plex Mono','Menlo','DejaVu Sans Mono','Bitstream Vera Sans Mono',Courier,monospace;font-size:164px;font-weight:300;-webkit-letter-spacing:-1.14px;-moz-letter-spacing:-1.14px;-ms-letter-spacing:-1.14px;letter-spacing:-1.14px;line-height:122px;} @media (max-width:671px){.bAhvjH{font-size:134px;-webkit-letter-spacing:-0.93px;-moz-letter-spacing:-0.93px;-ms-letter-spacing:-0.93px;letter-spacing:-0.93px;line-height:122px;}}.ntFpF{color:#e5f6ff;font-family:'IBM Plex Mono','Menlo','DejaVu Sans Mono','Bitstream Vera Sans Mono',Courier,monospace;font-size:164px;font-weight:300;-webkit-letter-spacing:-1.14px;-moz-letter-spacing:-1.14px;-ms-letter-spacing:-1.14px;letter-spacing:-1.14px;line-height:122px;} @media (max-width:671px){.ntFpF{font-size:134px;-webkit-letter-spacing:-0.93px;-moz-letter-spacing:-0.93px;-ms-letter-spacing:-0.93px;letter-spacing:-0.93px;line-height:122px;}}.jMzzoK{color:#be95ff;font-family:'IBM Plex Mono','Menlo','DejaVu Sans Mono','Bitstream Vera Sans Mono',Courier,monospace;font-size:164px;font-weight:300;-webkit-letter-spacing:-1.14px;-moz-letter-spacing:-1.14px;-ms-letter-spacing:-1.14px;letter-spacing:-1.14px;line-height:122px;} @media (max-width:671px){.jMzzoK{font-size:134px;-webkit-letter-spacing:-0.93px;-moz-letter-spacing:-0.93px;-ms-letter-spacing:-0.93px;letter-spacing:-0.93px;line-height:122px;}}.hNFbpG{color:#009d9a;font-family:'IBM Plex Mono','Menlo','DejaVu Sans Mono','Bitstream Vera Sans Mono',Courier,monospace;font-size:164px;font-weight:300;-webkit-letter-spacing:-1.14px;-moz-letter-spacing:-1.14px;-ms-letter-spacing:-1.14px;letter-spacing:-1.14px;line-height:122px;} @media (max-width:671px){.hNFbpG{font-size:134px;-webkit-letter-spacing:-0.93px;-moz-letter-spacing:-0.93px;-ms-letter-spacing:-0.93px;letter-spacing:-0.93px;line-height:122px;}} /* sc-component-id: PercentageWithTextBox-styled__PercentSpan-sc-87799a79-3 */ .hgNmNC{color:#defbe6;font-size:100px;font-weight:300;-webkit-letter-spacing:-0.7px;-moz-letter-spacing:-0.7px;-ms-letter-spacing:-0.7px;letter-spacing:-0.7px;line-height:122px;} @media (max-width:671px){.hgNmNC{font-size:70px;-webkit-letter-spacing:-0.49px;-moz-letter-spacing:-0.49px;-ms-letter-spacing:-0.49px;letter-spacing:-0.49px;line-height:122px;}}.cufSCe{color:#e5f6ff;font-size:100px;font-weight:300;-webkit-letter-spacing:-0.7px;-moz-letter-spacing:-0.7px;-ms-letter-spacing:-0.7px;letter-spacing:-0.7px;line-height:122px;} @media (max-width:671px){.cufSCe{font-size:70px;-webkit-letter-spacing:-0.49px;-moz-letter-spacing:-0.49px;-ms-letter-spacing:-0.49px;letter-spacing:-0.49px;line-height:122px;}}.idAywx{color:#be95ff;font-size:100px;font-weight:300;-webkit-letter-spacing:-0.7px;-moz-letter-spacing:-0.7px;-ms-letter-spacing:-0.7px;letter-spacing:-0.7px;line-height:122px;} @media (max-width:671px){.idAywx{font-size:70px;-webkit-letter-spacing:-0.49px;-moz-letter-spacing:-0.49px;-ms-letter-spacing:-0.49px;letter-spacing:-0.49px;line-height:122px;}}.btkIAX{color:#009d9a;font-size:100px;font-weight:300;-webkit-letter-spacing:-0.7px;-moz-letter-spacing:-0.7px;-ms-letter-spacing:-0.7px;letter-spacing:-0.7px;line-height:122px;} @media (max-width:671px){.btkIAX{font-size:70px;-webkit-letter-spacing:-0.49px;-moz-letter-spacing:-0.49px;-ms-letter-spacing:-0.49px;letter-spacing:-0.49px;line-height:122px;}} /* sc-component-id: PercentageWithTextBox-styled__PercentageTextSpan-sc-87799a79-4 */ .kENNVM{color:#e5f6ff;font-size:1.5rem;} /* sc-component-id: PercentageWithTextBox-styled__TextDiv-sc-87799a79-5 */ .cmoMMA{max-width:295px;padding-right:16px;padding-left:16px;color:#ffffff;font-size:20px;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:26px;} /* sc-component-id: QuoteBox-styled__MainDiv-sc-5cbf0a48-0 */ .jlRDEo{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;} /* sc-component-id: QuoteBox-styled__QuoteSpan-sc-5cbf0a48-1 */ .cQSDWK{color:#525252;font-size:28px;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:36px;text-indent:-0.5em;margin-left:0.5em;} @media (max-width:1055px){.cQSDWK{font-size:22px;}} @media (max-width:320px){.cQSDWK{font-size:20px;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:26px;}} /* sc-component-id: QuoteBox-styled__AuthorSpan-sc-5cbf0a48-2 */ .cNTYuJ{padding-top:32px;margin-left:1em;color:#525252;font-size:16px;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:26px;} /* sc-component-id: TextBox-styled__ParagraphP-sc-1ad6fb5-0 */ .dgHZYK{color:#f4f4f4;font-size:16px;font-weight:500;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:24px;padding-bottom:15px;} .dgHZYK > a{color:#f4f4f4;-webkit-text-decoration:underline;text-decoration:underline;} /* sc-component-id: SectionEssentialTabPanelMobile-styled__SpaceDiv-sc-91035565-0 */ .buOEfX{height:0.25rem;background-color:#ffffff;} @media (max-width:320px){.buOEfX{margin-right:-1rem;margin-left:-1rem;}} /* sc-component-id: SectionEssentialTabPanelMobile-styled__MainDiv-sc-91035565-1 */ .fGulrM{background-color:#0E6027;margin-right:0;margin-left:0;padding-right:2rem;padding-left:2rem;} @media (max-width:320px){.fGulrM{padding-right:1rem;padding-left:1rem;}}.dDfVFf{background-color:#044317;margin-right:0;margin-left:0;padding-right:2rem;padding-left:2rem;} @media (max-width:320px){.dDfVFf{padding-right:1rem;padding-left:1rem;}}.gSqwJZ{background-color:#00539A;margin-right:0;margin-left:0;padding-right:2rem;padding-left:2rem;} @media (max-width:320px){.gSqwJZ{padding-right:1rem;padding-left:1rem;}}.fOgdio{background-color:#003A6D;margin-right:0;margin-left:0;padding-right:2rem;padding-left:2rem;} @media (max-width:320px){.fOgdio{padding-right:1rem;padding-left:1rem;}}.iIQsSD{background-color:#31135e;margin-right:0;margin-left:0;padding-right:2rem;padding-left:2rem;} @media (max-width:320px){.iIQsSD{padding-right:1rem;padding-left:1rem;}}.eBKjoX{background-color:#6929C4;margin-right:0;margin-left:0;padding-right:2rem;padding-left:2rem;} @media (max-width:320px){.eBKjoX{padding-right:1rem;padding-left:1rem;}}.iwYIjh{background-color:#009d9a;margin-right:0;margin-left:0;padding-right:2rem;padding-left:2rem;} @media (max-width:320px){.iwYIjh{padding-right:1rem;padding-left:1rem;}}.eJFkhg{background-color:#107d78;margin-right:0;margin-left:0;padding-right:2rem;padding-left:2rem;} @media (max-width:320px){.eJFkhg{padding-right:1rem;padding-left:1rem;}} /* sc-component-id: SectionEssentialTabPanelMobile-styled__ListBoxWrapperDiv-sc-91035565-3 */ .hGWOww{background-color:#defbe6;color:#000000;width:100%;padding-top:2rem;padding-right:1rem;padding-left:1rem;} @media (max-width:320px){.hGWOww{margin-right:-2rem;margin-left:-2rem;padding-left:2rem;padding-right:2rem;}}.dbgqIv{background-color:#E5F6FF;margin-right:-1rem;margin-left:-1rem;padding-top:1rem;padding-right:2rem;padding-left:2rem;}.gNcVxG{background-color:#00539A;margin-right:-1rem;margin-left:-1rem;padding-top:1rem;padding-right:16px;padding-left:16px;}.kRuYjt{background-color:#003A6D;margin-right:-1rem;margin-left:-1rem;padding-top:1rem;padding-right:16px;padding-left:16px;}.jkhASD{background-color:#e8daff;color:#000000;padding-top:2rem;padding-right:1rem;padding-left:1rem;} @media (max-width:320px){.jkhASD{margin-right:-2rem;margin-left:-2rem;padding-left:2rem;padding-right:2rem;}}.cDdgzh{background-color:#d9fbfb;color:#000000;padding-top:2rem;padding-right:1rem;padding-left:1rem;padding-bottom:1rem;} .cDdgzh ul{padding-top:0;} .cDdgzh ul li{font-size:1rem !important;padding-left:2rem !important;padding-top:0;} .cDdgzh ul > li::before{content:'•' !important;} @media (max-width:320px){.cDdgzh{margin-right:-1rem;margin-left:-1rem;}} /* sc-component-id: SectionEssentialTabPanelMobile-styled__PercentageWithTextBoxWrapperDiv-sc-91035565-4 */ .cDWyEN{padding-top:2.5rem;padding-bottom:2.5rem;padding-left:32px;background-color:#022d0d;} @media (max-width:671px){.cDWyEN{width:100%;padding-left:0.625rem;}} @media (max-width:320px){.cDWyEN{margin-right:-1rem;margin-left:-1rem;padding-top:1.25rem;}}.jvtiMw{padding-top:2.5rem;padding-bottom:2.5rem;padding-left:1rem;background-color:#012749;width:calc( 100% + 2rem );}.eJEvTC{padding-top:2.5rem;padding-bottom:2.5rem;padding-left:0;background-color:#31135e;} @media (max-width:671px){.eJEvTC{width:100%;}} @media (max-width:320px){.eJEvTC{margin-right:-1rem;margin-left:-1rem;padding-top:1.25rem;width:unset;}} /* sc-component-id: SectionEssentialTabPanelMobile-styled__LargeNumWithTextBoxWrapperDiv-sc-91035565-5 */ .csztdR{background-color:#012749;width:100%;margin-top:0.5rem;padding-top:2.5rem;padding-bottom:2.5rem;padding-left:1rem;} @media (max-width:320px){.csztdR{margin-right:-1rem;margin-left:-1rem;padding-top:1.25rem;width:unset;}} /* sc-component-id: SectionEssentialTabPanelMobile-styled__MultiCardsBoxWrapperDiv-sc-91035565-6 */ .iEuLGj{padding-top:2rem;background-color:#022b30;} @media (max-width:671px){.iEuLGj{padding-right:1rem;padding-left:1rem;}} @media (max-width:320px){.iEuLGj{margin-right:-1rem;margin-left:-1rem;}} /* sc-component-id: SectionEssentialTabPanelMobile-styled__MultiPercentageBoxWrapperDiv-sc-91035565-7 */ .gHPUpT{margin-top:8px;background-color:#defbe6;} @media (max-width:671px){.gHPUpT{padding-top:2rem;padding-right:1rem;padding-bottom:2rem;padding-left:1rem;}} @media (max-width:320px){.gHPUpT{margin-right:-1rem;margin-left:-1rem;}}.hHbjuQ{background-color:#31135e;} @media (max-width:671px){.hHbjuQ{padding-top:2rem;padding-right:1rem;padding-bottom:2rem;padding-left:1rem;}} @media (max-width:320px){.hHbjuQ{margin-right:-1rem;margin-left:-1rem;}} /* sc-component-id: SectionEssentialTabPanelMobile-styled__ImageBoxWrapperDiv-sc-91035565-8 */ .cfLFPx{margin-top:1rem;padding-top:2rem;padding-right:1rem;padding-left:1rem;width:100%;background-color:#022d0d;} @media (max-width:320px){.cfLFPx{margin-right:-1rem;margin-left:-1rem;width:unset;}}.jFmeZL{margin-top:1rem;padding-top:2rem;padding-right:1rem;padding-left:1rem;width:100%;background-color:#31135e;} @media (max-width:320px){.jFmeZL{margin-right:-1rem;margin-left:-1rem;width:unset;}}.iElOaZ{margin-top:1rem;padding-top:2rem;padding-right:1rem;padding-left:1rem;width:100%;background-color:#022b30;} @media (max-width:320px){.iElOaZ{margin-right:-1rem;margin-left:-1rem;width:unset;}} /* sc-component-id: SectionEssentialTabPanelMobile-styled__ImageBox1WrapperDiv-sc-91035565-9 */ .gGPvSh{margin-top:1rem;padding-top:2rem;padding-right:1rem;padding-left:1rem;width:100%;background-color:#022d0d;padding-top:unset;padding-right:unset;padding-left:unset;} @media (max-width:320px){.gGPvSh{margin-right:-1rem;margin-left:-1rem;width:unset;}}.kPDeeI{margin-top:1rem;padding-top:2rem;padding-right:1rem;padding-left:1rem;width:100%;background-color:#012749;padding-top:unset;padding-right:unset;padding-left:unset;} @media (max-width:320px){.kPDeeI{margin-right:-1rem;margin-left:-1rem;width:unset;}}.bqxrmZ{margin-top:1rem;padding-top:2rem;padding-right:1rem;padding-left:1rem;width:100%;background-color:#31135e;padding-top:unset;padding-right:unset;padding-left:unset;} @media (max-width:320px){.bqxrmZ{margin-right:-1rem;margin-left:-1rem;width:unset;}}.liszhm{margin-top:1rem;padding-top:2rem;padding-right:1rem;padding-left:1rem;width:100%;background-color:#022b30;padding-top:unset;padding-right:unset;padding-left:unset;} @media (max-width:320px){.liszhm{margin-right:-1rem;margin-left:-1rem;width:unset;}} /* sc-component-id: SectionEssentialTabPanelMobile-styled__ImageBox2WrapperDiv-sc-91035565-10 */ .bXNUjQ{margin-top:1rem;padding-top:2rem;padding-right:1rem;padding-left:1rem;width:100%;background-color:#022b30;} @media (max-width:320px){.bXNUjQ{margin-right:-1rem;margin-left:-1rem;width:unset;}} /* sc-component-id: SectionEssentialTabPanelMobile-styled__ImageBox3WrapperDiv-sc-91035565-11 */ .dOsKFD{margin-top:1rem;padding-top:2rem;padding-right:1rem;padding-left:1rem;width:100%;background-color:#022b30;background-color:#e5f6ff;} @media (max-width:320px){.dOsKFD{margin-right:-1rem;margin-left:-1rem;width:unset;}} /* sc-component-id: SectionEssentialTabPanelMobile-styled__ImageBox4WrapperDiv-sc-91035565-12 */ .hDgrxZ{margin-top:1rem;padding-top:2rem;padding-right:1rem;padding-left:1rem;width:100%;background-color:#012749;padding-top:unset;padding-right:unset;padding-left:unset;} @media (max-width:320px){.hDgrxZ{margin-right:-1rem;margin-left:-1rem;width:unset;}} /* sc-component-id: SectionEssentialTabPanelMobile-styled__QuoteBoxWrapperDiv-sc-91035565-13 */ .jJknh{margin-top:1rem;padding-top:2rem;padding-right:1rem;padding-bottom:1rem;padding-left:1rem;background-color:#defbe6;} @media (max-width:320px){.jJknh{margin-right:-1rem;margin-left:-1rem;}}.brGfhG{margin-top:1rem;padding-top:2rem;padding-right:1rem;padding-bottom:1rem;padding-left:1rem;background-color:#e5f6ff;} @media (max-width:320px){.brGfhG{margin-right:-1rem;margin-left:-1rem;}}.eRyiGM{margin-top:1rem;padding-top:2rem;padding-right:1rem;padding-bottom:1rem;padding-left:1rem;background-color:#e8daff;} @media (max-width:320px){.eRyiGM{margin-right:-1rem;margin-left:-1rem;}}.bDmEHj{margin-top:1rem;padding-top:2rem;padding-right:1rem;padding-bottom:1rem;padding-left:1rem;background-color:#d9fbfb;} @media (max-width:320px){.bDmEHj{margin-right:-1rem;margin-left:-1rem;}} /* sc-component-id: SectionEssentialTabPanelMobile-styled__LearnMoreStoryBoxMobileWrapperDiv-sc-91035565-14 */ .hwLwhZ{background-color:#dafbfb;margin-top:1rem;} @media (max-width:320px){.hwLwhZ{margin-right:-1rem;margin-left:-1rem;}} /* sc-component-id: SectionEssentialTabButton-styled__TabAnchor-sc-9ae43901-0 */ .kMrzVn{background-color:#0e6027;border-color:#0e6027;outline:0.0625rem solid #0e6027;border:0.125rem solid #0e6027;margin-top:1rem;margin-right:0.25rem;margin-left:0.25rem;cursor:pointer;color:#ffffff;box-sizing:border-box;font-size:1.25rem;font-weight:600;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:1.625rem;text-align:center;width:100%;height:4.125rem;-webkit-text-decoration:none;text-decoration:none;-webkit-transition:border 0.3s,color 0.3s,background-color 0.3s;transition:border 0.3s,color 0.3s,background-color 0.3s;white-space:normal;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-box-pack:center;-webkit-justify-content:center;-ms-flex-pack:center;justify-content:center;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;} .kMrzVn span{display:inline-block;line-height:1.125rem;margin:auto 0;} .kMrzVn:hover{color:#ffffff;font-weight:600;background-color:#0e6027;border-color:#0e6027;outline-color:#0e6027;cursor:pointer;-webkit-text-decoration:none;text-decoration:none;} @media (max-width:1300px){.kMrzVn{font-size:1.125rem;line-height:1.25rem;}} @media (max-width:850px){.kMrzVn{font-size:1rem;line-height:1.125rem;}}.kSEIVo{background-color:#ffffff;border-color:#0e6027;outline:0.0625rem solid #0e6027;border:0.125rem solid #0e6027;margin-top:1rem;margin-right:0.25rem;margin-left:0.25rem;cursor:pointer;color:#8d8d8d;box-sizing:border-box;font-size:1.25rem;font-weight:500;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:1.625rem;text-align:center;width:100%;height:4.125rem;-webkit-text-decoration:none;text-decoration:none;-webkit-transition:border 0.3s,color 0.3s,background-color 0.3s;transition:border 0.3s,color 0.3s,background-color 0.3s;white-space:normal;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-box-pack:center;-webkit-justify-content:center;-ms-flex-pack:center;justify-content:center;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;} .kSEIVo span{display:inline-block;line-height:1.125rem;margin:auto 0;} .kSEIVo:hover{color:#ffffff;font-weight:600;background-color:#0e6027;border-color:#0e6027;outline-color:#0e6027;cursor:default;-webkit-text-decoration:none;text-decoration:none;} @media (max-width:1300px){.kSEIVo{font-size:1.125rem;line-height:1.25rem;}} @media (max-width:850px){.kSEIVo{font-size:1rem;line-height:1.125rem;}}.ixTloc{background-color:#00539a;border-color:#00539a;outline:0.0625rem solid #00539a;border:0.125rem solid #00539a;margin-top:1rem;margin-right:0.25rem;margin-left:0.25rem;cursor:pointer;color:#ffffff;box-sizing:border-box;font-size:1.25rem;font-weight:600;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:1.625rem;text-align:center;width:100%;height:5.3125rem;-webkit-text-decoration:none;text-decoration:none;-webkit-transition:border 0.3s,color 0.3s,background-color 0.3s;transition:border 0.3s,color 0.3s,background-color 0.3s;white-space:normal;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-box-pack:center;-webkit-justify-content:center;-ms-flex-pack:center;justify-content:center;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;} .ixTloc span{display:inline-block;line-height:1.125rem;margin:auto 0;} .ixTloc:hover{color:#ffffff;font-weight:600;background-color:#00539a;border-color:#00539a;outline-color:#00539a;cursor:pointer;-webkit-text-decoration:none;text-decoration:none;} @media (max-width:1300px){.ixTloc{font-size:1.125rem;line-height:1.25rem;}} @media (max-width:850px){.ixTloc{font-size:1rem;line-height:1.125rem;}}.kWwhaS{background-color:#ffffff;border-color:#00539a;outline:0.0625rem solid #00539a;border:0.125rem solid #00539a;margin-top:1rem;margin-right:0.25rem;margin-left:0.25rem;cursor:pointer;color:#8d8d8d;box-sizing:border-box;font-size:1.25rem;font-weight:500;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:1.625rem;text-align:center;width:100%;height:5.3125rem;-webkit-text-decoration:none;text-decoration:none;-webkit-transition:border 0.3s,color 0.3s,background-color 0.3s;transition:border 0.3s,color 0.3s,background-color 0.3s;white-space:normal;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-box-pack:center;-webkit-justify-content:center;-ms-flex-pack:center;justify-content:center;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;} .kWwhaS span{display:inline-block;line-height:1.125rem;margin:auto 0;} .kWwhaS:hover{color:#ffffff;font-weight:600;background-color:#00539a;border-color:#00539a;outline-color:#00539a;cursor:default;-webkit-text-decoration:none;text-decoration:none;} @media (max-width:1300px){.kWwhaS{font-size:1.125rem;line-height:1.25rem;}} @media (max-width:850px){.kWwhaS{font-size:1rem;line-height:1.125rem;}}.haLdHt{background-color:#0e6027;border-color:#0e6027;outline:0.0625rem solid #0e6027;border:0.125rem solid #0e6027;margin-top:1rem;margin-right:0.25rem;margin-left:0.25rem;cursor:pointer;color:#ffffff;box-sizing:border-box;font-size:1.25rem;font-weight:600;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:1.625rem;text-align:center;width:100%;height:5.3125rem;-webkit-text-decoration:none;text-decoration:none;-webkit-transition:border 0.3s,color 0.3s,background-color 0.3s;transition:border 0.3s,color 0.3s,background-color 0.3s;white-space:normal;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-box-pack:center;-webkit-justify-content:center;-ms-flex-pack:center;justify-content:center;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;} .haLdHt span{display:inline-block;line-height:1.125rem;margin:auto 0;} .haLdHt:hover{color:#ffffff;font-weight:600;background-color:#0e6027;border-color:#0e6027;outline-color:#0e6027;cursor:pointer;-webkit-text-decoration:none;text-decoration:none;} @media (max-width:1300px){.haLdHt{font-size:1.125rem;line-height:1.25rem;}} @media (max-width:850px){.haLdHt{font-size:1rem;line-height:1.125rem;}}.iUnEhd{background-color:#ffffff;border-color:#0e6027;outline:0.0625rem solid #0e6027;border:0.125rem solid #0e6027;margin-top:1rem;margin-right:0.25rem;margin-left:0.25rem;cursor:pointer;color:#8d8d8d;box-sizing:border-box;font-size:1.25rem;font-weight:500;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:1.625rem;text-align:center;width:100%;height:5.3125rem;-webkit-text-decoration:none;text-decoration:none;-webkit-transition:border 0.3s,color 0.3s,background-color 0.3s;transition:border 0.3s,color 0.3s,background-color 0.3s;white-space:normal;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-box-pack:center;-webkit-justify-content:center;-ms-flex-pack:center;justify-content:center;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;} .iUnEhd span{display:inline-block;line-height:1.125rem;margin:auto 0;} .iUnEhd:hover{color:#ffffff;font-weight:600;background-color:#0e6027;border-color:#0e6027;outline-color:#0e6027;cursor:default;-webkit-text-decoration:none;text-decoration:none;} @media (max-width:1300px){.iUnEhd{font-size:1.125rem;line-height:1.25rem;}} @media (max-width:850px){.iUnEhd{font-size:1rem;line-height:1.125rem;}}.jepZPE{background-color:#6929c4;border-color:#6929c4;outline:0.0625rem solid #6929c4;border:0.125rem solid #6929c4;margin-top:1rem;margin-right:0.25rem;margin-left:0.25rem;cursor:pointer;color:#ffffff;box-sizing:border-box;font-size:1.25rem;font-weight:600;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:1.625rem;text-align:center;width:100%;height:5.3125rem;-webkit-text-decoration:none;text-decoration:none;-webkit-transition:border 0.3s,color 0.3s,background-color 0.3s;transition:border 0.3s,color 0.3s,background-color 0.3s;white-space:normal;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-box-pack:center;-webkit-justify-content:center;-ms-flex-pack:center;justify-content:center;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;} .jepZPE span{display:inline-block;line-height:1.125rem;margin:auto 0;} .jepZPE:hover{color:#ffffff;font-weight:600;background-color:#6929c4;border-color:#6929c4;outline-color:#6929c4;cursor:pointer;-webkit-text-decoration:none;text-decoration:none;} @media (max-width:1300px){.jepZPE{font-size:1.125rem;line-height:1.25rem;}} @media (max-width:850px){.jepZPE{font-size:1rem;line-height:1.125rem;}}.fsKFhf{background-color:#ffffff;border-color:#6929c4;outline:0.0625rem solid #6929c4;border:0.125rem solid #6929c4;margin-top:1rem;margin-right:0.25rem;margin-left:0.25rem;cursor:pointer;color:#8d8d8d;box-sizing:border-box;font-size:1.25rem;font-weight:500;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:1.625rem;text-align:center;width:100%;height:5.3125rem;-webkit-text-decoration:none;text-decoration:none;-webkit-transition:border 0.3s,color 0.3s,background-color 0.3s;transition:border 0.3s,color 0.3s,background-color 0.3s;white-space:normal;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-box-pack:center;-webkit-justify-content:center;-ms-flex-pack:center;justify-content:center;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;} .fsKFhf span{display:inline-block;line-height:1.125rem;margin:auto 0;} .fsKFhf:hover{color:#ffffff;font-weight:600;background-color:#6929c4;border-color:#6929c4;outline-color:#6929c4;cursor:default;-webkit-text-decoration:none;text-decoration:none;} @media (max-width:1300px){.fsKFhf{font-size:1.125rem;line-height:1.25rem;}} @media (max-width:850px){.fsKFhf{font-size:1rem;line-height:1.125rem;}}.ktMVXQ{background-color:#6929c4;border-color:#6929c4;outline:0.0625rem solid #6929c4;border:0.125rem solid #6929c4;margin-top:1rem;margin-right:0.25rem;margin-left:0.25rem;cursor:pointer;color:#ffffff;box-sizing:border-box;font-size:1.25rem;font-weight:600;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:1.625rem;text-align:center;width:100%;height:4.125rem;-webkit-text-decoration:none;text-decoration:none;-webkit-transition:border 0.3s,color 0.3s,background-color 0.3s;transition:border 0.3s,color 0.3s,background-color 0.3s;white-space:normal;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-box-pack:center;-webkit-justify-content:center;-ms-flex-pack:center;justify-content:center;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;} .ktMVXQ span{display:inline-block;line-height:1.125rem;margin:auto 0;} .ktMVXQ:hover{color:#ffffff;font-weight:600;background-color:#6929c4;border-color:#6929c4;outline-color:#6929c4;cursor:pointer;-webkit-text-decoration:none;text-decoration:none;} @media (max-width:1300px){.ktMVXQ{font-size:1.125rem;line-height:1.25rem;}} @media (max-width:850px){.ktMVXQ{font-size:1rem;line-height:1.125rem;}}.fPDixH{background-color:#ffffff;border-color:#6929c4;outline:0.0625rem solid #6929c4;border:0.125rem solid #6929c4;margin-top:1rem;margin-right:0.25rem;margin-left:0.25rem;cursor:pointer;color:#8d8d8d;box-sizing:border-box;font-size:1.25rem;font-weight:500;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:1.625rem;text-align:center;width:100%;height:4.125rem;-webkit-text-decoration:none;text-decoration:none;-webkit-transition:border 0.3s,color 0.3s,background-color 0.3s;transition:border 0.3s,color 0.3s,background-color 0.3s;white-space:normal;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-box-pack:center;-webkit-justify-content:center;-ms-flex-pack:center;justify-content:center;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;} .fPDixH span{display:inline-block;line-height:1.125rem;margin:auto 0;} .fPDixH:hover{color:#ffffff;font-weight:600;background-color:#6929c4;border-color:#6929c4;outline-color:#6929c4;cursor:default;-webkit-text-decoration:none;text-decoration:none;} @media (max-width:1300px){.fPDixH{font-size:1.125rem;line-height:1.25rem;}} @media (max-width:850px){.fPDixH{font-size:1rem;line-height:1.125rem;}}.isiwth{background-color:#00539a;border-color:#00539a;outline:0.0625rem solid #00539a;border:0.125rem solid #00539a;margin-top:1rem;margin-right:0.25rem;margin-left:0.25rem;cursor:pointer;color:#ffffff;box-sizing:border-box;font-size:1.25rem;font-weight:600;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:1.625rem;text-align:center;width:100%;height:4.125rem;-webkit-text-decoration:none;text-decoration:none;-webkit-transition:border 0.3s,color 0.3s,background-color 0.3s;transition:border 0.3s,color 0.3s,background-color 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.bgrhvF{background-color:#012749;width:50%;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-box-pack:center;-webkit-justify-content:center;-ms-flex-pack:center;justify-content:center;}.kZqlNE{background-color:#012749;width:47%;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-box-pack:center;-webkit-justify-content:center;-ms-flex-pack:center;justify-content:center;}.iIWmhM{background-color:#022b30;width:40%;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-box-pack:center;-webkit-justify-content:center;-ms-flex-pack:center;justify-content:center;} /* sc-component-id: LearnMoreStoryBox2-styled__LearnMoreStoryDiv-sc-71db6989-0 */ .fybYoH{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:row;-ms-flex-direction:row;flex-direction:row;min-height:225px;} /* sc-component-id: LearnMoreStoryBox2-styled__LearnMoreStoryTitleP-sc-71db6989-1 */ .fmKkkk{padding-top:24px;font-weight:600;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;font-size:16px;line-height:24px;color:#F4F4F4;font-size:20px;line-height:26px;} /* sc-component-id: LearnMoreStoryBox2-styled__LearnMoreStoryContentP-sc-71db6989-2 */ .BMUBL{padding-top:24px;font-weight:600;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;font-size:16px;line-height:24px;color:#F4F4F4;font-size:20px;line-height:26px;padding-top:0px;font-weight:300;font-size:16px;line-height:24px;font-weight:500;} /* sc-component-id: LearnMoreStoryBox2-styled__Arrow-sc-71db6989-3 */ .ellwIt{margin-top:1px;-webkit-text-decoration:none;text-decoration:none;} .ellwIt:after{content:'→';padding-left:12px;-webkit-text-decoration:none;text-decoration:none;} /* sc-component-id: LearnMoreStoryBox2-styled__TextWithArrowAnchor-sc-71db6989-4 */ 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i{height:15px;width:18.8px;display:inline-block;margin-left:20px;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;} .gTFMBC > i > img{height:15px;width:18.8px;} /* sc-component-id: Section2021CrossNavigation__LinkDiv-sc-51f173d4-12 */ @media (max-width:671px){.uhdGl{width:100%;padding-top:12px;}} /* sc-component-id: Section2021CrossNavigation__CTATextDiv-sc-51f173d4-13 */ .jHihZL{color:#f4f4f4;} @media (min-width:672px){.jHihZL{display:none;}} /* sc-component-id: SectionHeader4CTO__HeaderBackgroundDiv-sc-8a78aeac-0 */ .hVbffR{z-index:1;top:1045px;position:relative;} @media (max-width:1055px){.hVbffR{display:none;min-height:1400px;height:485px;max-height:485px;}} /* sc-component-id: SectionHeader4CTO__HeaderIntroContentDiv-sc-8a78aeac-1 */ @media (max-width:1055px){.ixPuId{display:none;min-height:1400px;height:485px;max-height:485px;}} /* sc-component-id: 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.jxNHjz{font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-size:16px;color:#f3f3f3;line-height:24px;width:50%;margin-left:16px;margin-top:24px;} @media (max-width:1140px){.jxNHjz{width:50%;}} @media (max-width:1055px){.jxNHjz{margin-top:24px;font-size:16px;}} @media (max-width:960px){.jxNHjz{width:80%;}} @media (max-width:671px){.jxNHjz{font-size:14px;font-weight:500;-webkit-letter-spacing:0.16px;-moz-letter-spacing:0.16px;-ms-letter-spacing:0.16px;letter-spacing:0.16px;line-height:20px;margin-top:16px;margin-left:13px;margin-right:30px;}} @media (max-width:320px){.jxNHjz{width:75%;margin-top:16px;margin-left:29px;margin-right:30px;}} /* sc-component-id: SectionHeader4CTO__HeaderVideo-sc-8a78aeac-6 */ .cKlZDB{-webkit-transform:scale(1);-ms-transform:scale(1);transform:scale(1);} @media (max-width:671px){.cKlZDB{top:100%;}} @media (max-width:320px){.cKlZDB{-webkit-transform:scale(1.7);-ms-transform:scale(1.7);transform:scale(1.7);padding-top:130px;padding-left:unset;margin-left:-60px;}} /* sc-component-id: SectionHeader4CTO__HeaderVideoDiv-sc-8a78aeac-7 */ .eHUTiz{position:absolute;top:95%;-webkit-transform:translate(6%,-101%);-ms-transform:translate(6%,-101%);transform:translate(6%,-101%);height:1100px;margin-left:1000px;right:0;width:100%;} @media (min-width:1680px){.eHUTiz{right:unset;width:unset;}} @media (max-width:1600px){.eHUTiz{right:-27%;width:unset;}} @media (max-width:1520px){.eHUTiz{right:-19%;width:unset;}} @media (max-width:960px){.eHUTiz{opacity:0.4;}} @media (max-width:320px){.eHUTiz{height:485px;}} /* sc-component-id: SectionHeader4CTO__DownloadBttonDesktopDiv-sc-8a78aeac-8 */ .hSclpv{display:block;margin-top:80px;margin-left:33px;} @media (max-width:1055px){.hSclpv{display:none;}} .hSclpv .button-group .button-primary,.hSclpv .button-group .button-secondary{display:-webkit-inline-box;display:-webkit-inline-flex;display:-ms-inline-flexbox;display:inline-flex;-webkit-flex-direction:row;-ms-flex-direction:row;flex-direction:row;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;-webkit-box-pack:justify;-webkit-justify-content:space-between;-ms-flex-pack:justify;justify-content:space-between;width:25rem;} .hSclpv .button-group .button-primary i,.hSclpv .button-group .button-secondary i{margin:0;} /* sc-component-id: SectionHeader4CTO__DownloadButtunBarDiv-sc-8a78aeac-9 */ .dqxNjZ{display:none;} @media (max-width:1055px){.dqxNjZ{display:block;}} /* sc-component-id: SectionHeader4CTO__CustomDownloadBtnDiv-sc-8a78aeac-10 */ @media (max-width:672px){.jgMcSu{display:none !important;}} .jgMcSu a{font-weight:400;} /* sc-component-id: SectionHeader4CTO__SectionIntro-sc-8a78aeac-11 */ .fmQWdY{min-height:800px;background-color:#ffffff;padding:40px 200px 26px 114px;} .fmQWdY p{font-size:16px;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:24px;} @media (max-width:671px){.fmQWdY{padding:0px 28px;}} /* sc-component-id: SectionHeader4CTO__IntroSectionTitleDesktop-sc-8a78aeac-12 */ .kFfmJs{margin:40px 0px;font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-size:28px;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:36px;} /* sc-component-id: SectionHeader4CTO__RenderSharePC-sc-8a78aeac-13 */ .gUhrgN{display:inline-block;width:50%;padding-left:0px;} .gUhrgN div{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;} /* sc-component-id: SectionHeader4CTO__RenderBookmarkPC-sc-8a78aeac-14 */ .eVqILk{display:inline-block;width:50%;padding-right:0px;} .eVqILk div:first-child{height:2px;} .eVqILk div:last-child{margin-right:0px;} /* sc-component-id: SectionHeader4CTO__VideoDiv-sc-8a78aeac-15 */ @media (max-width:671px){.njXhg{margin-left:-16px;margin-right:-16px;padding:0px;}} /* sc-component-id: SectionHeader4CTO__BriefVideoWrapper-sc-8a78aeac-16 */ .lfpJHX{width:100%;margin-top:250px;margin-left:-150px;position:relative;} @media (max-width:671px){.lfpJHX{margin-top:0px;}} @media (max-width:1055px){.lfpJHX{margin-top:0px;width:100%;margin-left:0px;}} /* sc-component-id: SectionHeader4CTO__ContentDiv-sc-8a78aeac-17 */ .lgFwsr{padding-top:56px !important;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:row;-ms-flex-direction:row;flex-direction:row;} @media (max-width:671px){.lgFwsr{-webkit-flex-direction:column-reverse;-ms-flex-direction:column-reverse;flex-direction:column-reverse;}} /* sc-component-id: Overview-styled__Content-sc-e0a2db2c-1 */ .fUhPpF{padding:0;padding-right:1rem;} @media (min-width:1056px){.fUhPpF{padding-right:1.5rem;}} /* sc-component-id: Overview-styled__Title-sc-e0a2db2c-4 */ .fpPuHx{font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-weight:300;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:2.25rem;padding-left:1rem !important;font-size:1.75rem;color:#161616;padding-bottom:1rem;} @media (min-width:1056px){.fpPuHx{font-size:2rem;line-height:2.25rem;font-weight:300;}} /* sc-component-id: OrdersTableCell-styled__SummaryCellText-sc-b1c4a2b5-0 */ .drrthj{height:1.25rem;margin:auto auto auto 0;overflow:hidden;} /* sc-component-id: OrdersTableCell-styled__SummaryCellWrapper-sc-b1c4a2b5-1 */ .iBRDpn{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;} /* sc-component-id: OrdersTable-styled__StyledPagination-sc-a05975c0-0 */ .foAyAW{font-size:1rem;} /* sc-component-id: OrdersTable-styled__StyledTableCell-sc-a05975c0-1 */ .bjkiiz{min-width:10.625rem;} .bjkiiz > *{margin-right:0.5rem;} .bjkiiz > *:last-child{margin-right:0;} /* sc-component-id: OrdersTable-styled__Wrapper-sc-a05975c0-3 */ .hDVJmb{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;} .hDVJmb .cds--data-table-header{padding:unset;background:unset;} .hDVJmb .cds--data-table-header .cds--data-table-header__title{padding:unset;} .hDVJmb .cds--table-toolbar .cds--search-close{top:unset;} .hDVJmb .cds--table-sort__flex{-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;height:100%;-webkit-box-pack:justify;-webkit-justify-content:space-between;-ms-flex-pack:justify;justify-content:space-between;min-height:3rem;width:100%;} .hDVJmb .cds--table-header-label{min-width:4.0625rem;font-size:1rem;} .hDVJmb .cds--toolbar-content .authors-add_new_btn{display:inline-block;} .hDVJmb .cds--batch-summary__para{padding:0rem;} .hDVJmb .cds--form-item .cds--file__selected-file{background-color:white;} .hDVJmb .cds--form-item .cds--file__selected-file .cds--file-filename{padding:0rem;} .hDVJmb .cds--form-item .cds--file--label{padding:1rem 0rem 0rem 0rem;} .hDVJmb .cds--form-item .cds--label-description{display:none;} /* sc-component-id: Page-styled__StyledBreadcrumb-sc-29221108-0 */ .iKUogv ol,.iKUogv ul{padding:unset !important;} .iKUogv ol > li::before,.iKUogv ul > li::before{content:none !important;} .iKUogv ol > li,.iKUogv ul > li{padding-left:unset !important;} /* sc-component-id: Page-styled__Wrap-sc-29221108-1 */ .blGGmx{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;margin:0 auto;text-align:left;padding:4rem 2rem;} /* sc-component-id: Page-styled__SpaceUnderMarketLinksDiv-sc-396e0fe5-1 */ .kHNxAA{height:40px;} @media (min-width:1056px){.kHNxAA{display:none;}} /* sc-component-id: Page-styled__RelatedReportsDesktopDiv-sc-396e0fe5-2 */ @media (max-width:1055px){.hPCtCk{display:none;}} /* sc-component-id: Page-styled__RelatedReportsMobileDiv-sc-396e0fe5-3 */ @media (min-width:1056px){.cZiPcv{display:none;}} /* sc-component-id: Page-styled__ShareBookmarkAuthorMobileDiv-sc-396e0fe5-4 */ .cicVwg{padding-bottom:16px;} @media (min-width:1056px){.cicVwg{display:none;}} /* sc-component-id: Page-styled__BookmarkShareAssetWrapperDiv-sc-396e0fe5-5 */ .idVdEZ div{margin-top:0px;} /* sc-component-id: Section1__ButtonGroupDesktopDiv-sc-70dc78c4-0 */ .ZExUg{margin-top:25px;} @media (max-width:671px){.ZExUg{display:none;}} .ZExUg #custom-download-btn-1{min-width:initial;} .ZExUg #custom-download-btn-2{display:none;} /* sc-component-id: Section1__ButtonGroupMobileDiv-sc-70dc78c4-1 */ .jHbfpz{padding-left:16px;} @media (min-width:672px){.jHbfpz{display:none;}} .jHbfpz #custom-download-btn-2{display:none;} /* sc-component-id: Section1__ContentDiv-sc-70dc78c4-2 */ .iEOZuK{background-color:#9ef0f0;} .iEOZuK .heading{margin-bottom:24px;font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-size:28px;line-height:36px;font-weight:bold;} .iEOZuK .content{font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;} .iEOZuK .content p{font-size:16px;line-height:24px;} .iEOZuK .iconContent{margin-left:15px;} .iEOZuK .iconContent p{font-size:28px;line-height:40px;font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-weight:300;} @media (max-width:671px){.iEOZuK .iconContent{margin-left:unset;padding-left:16px;}} .iEOZuK .image-title{margin-bottom:130px;font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-weight:600;font-size:16px;line-height:24px;} /* sc-component-id: Section1__SectionTopDiv-sc-70dc78c4-3 */ .gLuQZD{padding-top:100px;margin-left:auto;margin-right:auto;padding-left:3rem;padding-right:3rem;} @media (max-width:1055px){.gLuQZD{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;}} @media (max-width:671px){.gLuQZD{margin-top:-1px;padding-left:16px;padding-right:16px;}} /* sc-component-id: Section1__SectionCenterDiv-sc-70dc78c4-4 */ .csChOB{margin:90px auto;padding-left:50px;padding-right:50px;} @media (max-width:1055px){.csChOB{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;}} @media (max-width:671px){.csChOB{padding-left:0px;padding-right:0px;}} /* sc-component-id: Section1__SectionBottomDiv-sc-70dc78c4-5 */ .hapfPj{padding-bottom:56px;margin-left:auto;margin-right:auto;padding-left:3rem;padding-right:3rem;} @media (max-width:1055px){.hapfPj{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;}} @media (max-width:671px){.hapfPj{margin-top:40px;padding-left:16px;padding-right:16px;}} /* sc-component-id: Section1__GraphicImgDiv-sc-70dc78c4-6 */ @media (max-width:671px){.dsLOKs{margin-top:40px;}} /* sc-component-id: Section1__GraphicImg-sc-70dc78c4-7 */ .faGsbJ{width:100%;} /* sc-component-id: Section1__IconImgDiv-sc-70dc78c4-8 */ .khUnvc{margin:auto;width:100%;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-box-pack:space-around;-webkit-justify-content:space-around;-ms-flex-pack:space-around;justify-content:space-around;} @media (max-width:671px){.khUnvc{display:none;}} /* sc-component-id: Section1__MobileIconImgDiv-sc-70dc78c4-9 */ .fsCnVC{margin-top:30px;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-box-pack:space-around;-webkit-justify-content:space-around;-ms-flex-pack:space-around;justify-content:space-around;display:none;} @media (max-width:671px){.fsCnVC{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-box-pack:justify;-webkit-justify-content:space-between;-ms-flex-pack:justify;justify-content:space-between;padding-right:16px;padding-left:16px;}} /* sc-component-id: Section1__IconImg-sc-70dc78c4-10 */ .kfNJmW{-webkit-align-self:center;-ms-flex-item-align:center;align-self:center;} /* sc-component-id: Section1__TopImageDiv-sc-70dc78c4-11 */ .bUmwtS{height:56px;background-image:url('/thought-leadership/institute-business-value/public/static/images/2022-holiday-shopping-travel/Top-teal-boarder.webp');background-position:center center;background-size:auto;background-repeat-y:no-repeat;} @media (max-width:671px){.bUmwtS{background-image:url('/thought-leadership/institute-business-value/public/static/images/2022-holiday-shopping-travel/Mobile-top-teal-boarder.webp');background-position:left center;background-size:auto;}} /* sc-component-id: Section1__BottomImageDiv-sc-70dc78c4-12 */ .jVcGpn{height:56px;background-image:url('/thought-leadership/institute-business-value/public/static/images/2022-holiday-shopping-travel/Bottom-teal-boarder.webp');background-position:center center;background-size:auto;background-repeat-y:no-repeat;} @media (max-width:671px){.jVcGpn{background-image:url('/thought-leadership/institute-business-value/public/static/images/2022-holiday-shopping-travel/Mobile-Bottom-teal-boarder.webp');height:55px;background-position:left center;background-size:auto;}} /* sc-component-id: Section1__AnimationContainerDiv-sc-70dc78c4-13 */ @media (max-width:671px){.bsPYmw{width:100%;margin-top:30px;}} /* sc-component-id: Section1__ContentSectionBottomMiddleColumnDiv-sc-70dc78c4-14 */ @media (max-width:1055px){.hDFauV{display:none;}} /* sc-component-id: Section1__GraphicImgDesktopDiv-sc-70dc78c4-15 */ @media (max-width:671px){.dMochs{display:none;}} /* sc-component-id: Section1__GraphicImgMobileDiv-sc-70dc78c4-16 */ .WQEMd{padding-bottom:32px;margin-right:-16px;margin-left:-16px;} @media (min-width:672px){.WQEMd{display:none;}} /* sc-component-id: Section2__ContentDiv-sc-1527f89d-0 */ .cqCrZP .heading{margin-bottom:24px;font-family:'IBM Plex Sans','Helvetica 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sc-component-id: Section2__SectionCenterDiv-sc-1527f89d-2 */ .idGGhL{margin:90px auto;padding-left:50px;padding-right:50px;} @media (max-width:1055px){.idGGhL{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;}} @media (max-width:671px){.idGGhL{padding-left:0px;padding-right:0px;}} /* sc-component-id: Section2__SectionBottomDiv-sc-1527f89d-3 */ .ikRFbd{padding-bottom:56px;margin-left:auto;margin-right:auto;padding-left:3rem;padding-right:3rem;} @media (max-width:1055px){.ikRFbd{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;}} @media (max-width:671px){.ikRFbd{margin-top:40px;padding-left:16px;padding-right:16px;}} /* sc-component-id: Section2__GraphicImgDiv-sc-1527f89d-4 */ @media (max-width:671px){.eMaZMN{margin-top:40px;}} /* sc-component-id: Section2__GraphicImg-sc-1527f89d-5 */ .ivUHPK{width:100%;} /* sc-component-id: Section2__IconImgDiv-sc-1527f89d-6 */ .ePLuzA{margin:auto;width:100%;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-box-pack:space-around;-webkit-justify-content:space-around;-ms-flex-pack:space-around;justify-content:space-around;} @media (max-width:671px){.ePLuzA{display:none;}} /* sc-component-id: Section2__MobileIconImgDiv-sc-1527f89d-7 */ .dzYaYp{margin-top:30px;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-box-pack:space-around;-webkit-justify-content:space-around;-ms-flex-pack:space-around;justify-content:space-around;display:none;} @media (max-width:671px){.dzYaYp{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-box-pack:justify;-webkit-justify-content:space-between;-ms-flex-pack:justify;justify-content:space-between;padding-right:16px;padding-left:16px;}} /* sc-component-id: Section2__IconImg-sc-1527f89d-8 */ .haTDab{-webkit-align-self:center;-ms-flex-item-align:center;align-self:center;} /* sc-component-id: Section2__AnimationContainerDiv-sc-1527f89d-9 */ @media (max-width:671px){.kodNg{width:100%;margin-top:30px;}} /* sc-component-id: Section2__ContentSectionBottomMiddleColumnDiv-sc-1527f89d-10 */ @media (max-width:1055px){.bhWnES{display:none;}} /* sc-component-id: Section2__GraphicImgDesktopDiv-sc-1527f89d-11 */ @media (max-width:671px){.eqpfvO{display:none;}} /* sc-component-id: Section2__GraphicImgMobileDiv-sc-1527f89d-12 */ .ggjSqP{padding-bottom:32px;margin-right:-16px;margin-left:-16px;} @media (min-width:672px){.ggjSqP{display:none;}} /* sc-component-id: Section3__ContentDiv-sc-9fed3ad1-0 */ .ejmEQp{background-color:#d0e2ff;} .ejmEQp .heading{margin-bottom:24px;font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-size:28px;line-height:36px;font-weight:bold;} .ejmEQp .content{font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;} .ejmEQp .content p{font-size:16px;line-height:24px;} .ejmEQp .iconContent{margin-left:15px;} .ejmEQp .iconContent p{font-size:28px;line-height:40px;font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-weight:300;} @media (max-width:671px){.ejmEQp .iconContent{margin-left:unset;padding-left:16px;}} .ejmEQp .image-title{margin-bottom:130px;font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-weight:600;font-size:16px;line-height:24px;} /* sc-component-id: Section3__SectionTopDiv-sc-9fed3ad1-1 */ .eWKyyw{padding-top:100px;margin-left:auto;margin-right:auto;padding-left:3rem;padding-right:3rem;} @media (max-width:1055px){.eWKyyw{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;}} @media (max-width:671px){.eWKyyw{margin-top:-1px;padding-left:16px;padding-right:16px;}} /* sc-component-id: Section3__SectionCenterDiv-sc-9fed3ad1-2 */ .hHARbW{margin:90px auto;padding-left:50px;padding-right:50px;} @media (max-width:1055px){.hHARbW{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;}} @media 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Section3__MobileIconImgDiv-sc-9fed3ad1-7 */ .cTSTTx{margin-top:30px;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-box-pack:space-around;-webkit-justify-content:space-around;-ms-flex-pack:space-around;justify-content:space-around;display:none;} @media (max-width:671px){.cTSTTx{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-box-pack:justify;-webkit-justify-content:space-between;-ms-flex-pack:justify;justify-content:space-between;padding-right:16px;padding-left:16px;}} /* sc-component-id: Section3__IconImg-sc-9fed3ad1-8 */ .jJcEII{-webkit-align-self:center;-ms-flex-item-align:center;align-self:center;} /* sc-component-id: Section3__TopImageDiv-sc-9fed3ad1-9 */ .gLfQsY{height:56px;background-image:url('/thought-leadership/institute-business-value/public/static/images/2022-holiday-shopping-travel/Top-blue-boarder.webp');background-position:center center;background-size:auto;background-repeat-y:no-repeat;} @media 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Section3__ContentSectionBottomMiddleColumnDiv-sc-9fed3ad1-12 */ @media (max-width:1055px){.bXHUMe{display:none;}} /* sc-component-id: Section3__GraphicImgDesktopDiv-sc-9fed3ad1-13 */ @media (max-width:671px){.hzerMA{display:none;}} /* sc-component-id: Section3__GraphicImgMobileDiv-sc-9fed3ad1-14 */ .jVjEEn{padding-bottom:32px;margin-right:-16px;margin-left:-16px;} @media (min-width:672px){.jVjEEn{display:none;}} /* sc-component-id: SectionBookmarkShareAsset__BookmarkDiv-sc-bf14bd8c-0 */ .craqkG{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-box-pack:justify;-webkit-justify-content:space-between;-ms-flex-pack:justify;justify-content:space-between;font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-weight:600;font-size:16px;color:#323232;line-height:22px;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;margin-bottom:24px;margin-top:0px;max-width:'unset';} .craqkG > span{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;white-space:nowrap;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-weight:600;font-size:14px;color:#3d3d3d;-webkit-letter-spacing:0.16px;-moz-letter-spacing:0.16px;-ms-letter-spacing:0.16px;letter-spacing:0.16px;line-height:18px;} .craqkG > div{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;} /* sc-component-id: SectionBookmarkShareAsset__ShareWrapperDiv-sc-bf14bd8c-2 */ .hloqXM{display:inline-block;width:100%;padding-right:0px;} .hloqXM div:first-child{background-color:#a8a8a8;border:none;height:1px;} .hloqXM .ibm-type-b{max-width:unset;} @media (max-width:1055px){.hloqXM .ibm-pb-3{padding-bottom:0px !important;}} .hloqXM div{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-itmes:center !important;-webkit-box-align-itmes:center !important;-ms-flex-align-itmes:center !important;align-itmes:center !important;} .hloqXM div a[class*='-mono-link']::before{color:#0f62fe;width:27.9px;} @media (max-width:1055px){.hloqXM{margin-top:32px;}} /* sc-component-id: SectionBookmarkShareAsset__AssetWrapperDiv-sc-bf14bd8c-3 */ .crObPr{display:inline-block;width:100%;padding-right:0px;} .crObPr div:first-child{background-color:#a8a8a8;border:none;height:1px;} .crObPr .ibm-type-b{max-width:unset;} @media (max-width:1055px){.crObPr .ibm-pb-3{padding-bottom:0px !important;}} /* sc-component-id: SectionBookmarkShareAsset__TranslationWrapperDiv-sc-bf14bd8c-4 */ .cZQZRP{display:inline-block;width:100%;padding-right:0px;} .cZQZRP div:first-child{background-color:#a8a8a8;border:none;height:1px;} .cZQZRP .ibm-type-b{max-width:unset;} @media (max-width:1055px){.cZQZRP 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SectionBookmarkShareAsset__StyledLink-sc-bf14bd8c-9 */ .kxmVIf{display:block;outline-offset:4px;margin-bottom:-20px;} /* sc-component-id: SectionIntro__AudioPlayerWrapperDiv-sc-bdfac781-0 */ .lgTCiU{padding:28px 0;margin-left:-40px;border-radius:28px;background-color:#9EF0F0;margin-bottom:10px;width:120%;height:unset;} @media (max-width:1055px){.lgTCiU{width:100%;margin-left:unset;}} /* sc-component-id: SectionIntro__IntroSectionTitleDesktopDiv-sc-bdfac781-1 */ .jNyLKf{font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-size:28px;color:#161616;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:36px;margin-bottom:16px;} /* sc-component-id: SectionIntro__MiddleDiv-sc-bdfac781-2 */ .gdLviR{padding-top:30px;} .gdLviR div:first-child{border:none;height:1px;} @media (max-width:671px){.gdLviR{padding-top:0px;}} @media (max-width:320px){.gdLviR{padding-right:32px;padding-left:32px;}} /* sc-component-id: SectionIntro__AudioSynopsis-sc-bdfac781-3 */ .cDEfBD{font-size:12px;font-weight:bold;-webkit-letter-spacing:0.32px;-moz-letter-spacing:0.32px;-ms-letter-spacing:0.32px;letter-spacing:0.32px;line-height:16px;margin-bottom:10px;} @media (max-width:671px){.cDEfBD{margin-right:16px;margin-left:16px;}} /* sc-component-id: SectionIntro__ShareBookmarkAuthorDesktopDiv-sc-bdfac781-4 */ .bwLpYr{padding-top:50px !important;margin-bottom:-140px;} @media (max-width:1055px){.bwLpYr{display:none;}} /* sc-component-id: SectionIntro__IntroSectionDiv-sc-bdfac781-5 */ .bNBhAE{position:relative;} @media (max-width:1055px){.bNBhAE{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;}} @media (max-width:671px){.bNBhAE{margin-top:40px;}} /* sc-component-id: SectionIntro__DownloadBarDiv-sc-bdfac781-6 */ .kGSMwl{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;padding-bottom:36px;} .kGSMwl .downloadbarLabelStyle{color:#0f62fe;padding-top:4px;font-size:12px;font-weight:500;-webkit-letter-spacing:0.32px;-moz-letter-spacing:0.32px;-ms-letter-spacing:0.32px;letter-spacing:0.32px;line-height:16px;position:relative;} @media (max-width:671px){.kGSMwl .downloadbarLabelStyle{line-height:24px;}} .kGSMwl .downloadbarIconStyle{font-size:0.9rem;position:absolute;top:4px;left:120px;} .kGSMwl .downloadbarIconStyle #2022-holiday-shopping-travel-audio-download{cursor:pointer;} .kGSMwl:hover .icon-download_blue2::before{color:#0043ce;} @media (max-width:671px){.kGSMwl{margin-right:16px;margin-left:16px;}} /* sc-component-id: SectionSummary__MiddleDiv-sc-6ea88482-0 */ .iQUaKS{padding-top:50px !important;padding-bottom:60px;} /* sc-component-id: SectionSummary__SummaryTitleDiv-sc-6ea88482-1 */ .fTspQu{font-family:'IBM Plex Sans','Helvetica 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(max-width:355px){.jedyly .button-group .button-primary,.jedyly .button-group .button-secondary{max-width:17rem;}} /* sc-component-id: SectionSummary__SummarySectionDiv-sc-6ea88482-3 */ .dgYXoP{position:relative;} @media (max-width:1055px){.dgYXoP{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;}} @media (max-width:671px){.dgYXoP{margin-top:40px;}} /* sc-component-id: Page-styled__AssetDiv-sc-2afc07d8-0 */ @media (max-width:671px){.gvmgiT{display:none !important;}} /* sc-component-id: Page-styled__BookmarkDiv-sc-2afc07d8-2 */ .dKsBBD{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-weight:600;font-size:16px;color:#323232;line-height:22px;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;margin-bottom:12px;} .dKsBBD > span{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;white-space:nowrap;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;margin-right:15px;font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-weight:600;font-size:14px;color:#3d3d3d;-webkit-letter-spacing:0.16px;-moz-letter-spacing:0.16px;-ms-letter-spacing:0.16px;letter-spacing:0.16px;line-height:18px;} .dKsBBD > div{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;} /* sc-component-id: Page-styled__LighthouseTextArea-sc-2afc07d8-4 */ .dxoSsi{padding-left:16px;} @media (max-width:1057px){.dxoSsi{display:none !important;}} /* sc-component-id: Page-styled__FullReportBox-sc-2afc07d8-6 */ .fkyaYi{background-color:#0062FF !important;border-color:#0062FF !important;outline-color:#0062FF !important;border:1px solid;margin-left:3px;outline:solid 1px;text-align:left;font-size:16px;color:#ffffff !important;cursor:pointer;box-sizing:border-box;line-height:20px;height:48px;padding:0px 16px;text-align:left;-webkit-text-decoration:none;text-decoration:none;-webkit-transition:border 0.3s,color 0.3s,background-color 0.3s;transition:border 0.3s,color 0.3s,background-color 0.3s;white-space:normal;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-box-pack:justify;-webkit-justify-content:space-between;-ms-flex-pack:justify;justify-content:space-between;} .fkyaYi span{display:inline-block;line-height:18px;margin:auto 0;} .fkyaYi:hover{background-color:#0354e9 !important;border-color:#0354e9 !important;outline-color:#0354e9 !important;-webkit-text-decoration:none;text-decoration:none;} .fkyaYi > i{height:15px;width:18.8px;display:inline-block;margin-left:20px;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;margin:15px 0 auto 16px;} .fkyaYi > i > img{height:15px;width:18.8px;} /* sc-component-id: Page-styled__FullReportBoxMobile-sc-2afc07d8-7 */ .dNfFTE{background-color:#0062FF !important;border-color:#0062FF !important;outline-color:#0062FF !important;border:1px solid;margin-left:3px;outline:solid 1px;text-align:left;font-size:16px;color:#ffffff !important;cursor:pointer;box-sizing:border-box;line-height:20px;height:48px;padding:0px 16px;text-align:left;-webkit-text-decoration:none;text-decoration:none;-webkit-transition:border 0.3s,color 0.3s,background-color 0.3s;transition:border 0.3s,color 0.3s,background-color 0.3s;white-space:normal;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-box-pack:justify;-webkit-justify-content:space-between;-ms-flex-pack:justify;justify-content:space-between;margin-top:18px;margin-bottom:20px;} .dNfFTE span{display:inline-block;line-height:18px;margin:auto 0;} .dNfFTE:hover{background-color:#0354e9 !important;border-color:#0354e9 !important;outline-color:#0354e9 !important;-webkit-text-decoration:none;text-decoration:none;} .dNfFTE > i{height:15px;width:18.8px;display:inline-block;margin-left:20px;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;margin:15px 0 auto 16px;} .dNfFTE > i > img{height:15px;width:18.8px;} @media (min-width:672px){.dNfFTE{display:none !important;}} /* sc-component-id: Page-styled__SubtitleSpan-sc-2afc07d8-9 */ .cZHJhc{max-width:548px;font-size:28px;color:#666666;font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;-webkit-letter-spacing:0px;-moz-letter-spacing:0px;-ms-letter-spacing:0px;letter-spacing:0px;line-height:36px;} @media (max-width:671px){.cZHJhc{display:none;}} /* sc-component-id: Page-styled__ReactMarkdownDiv-sc-2afc07d8-10 */ .emDcog{margin-bottom:1.5rem;} @media (max-width:671px){.emDcog{margin-bottom:3.5rem;}} .emDcog > div > p{font-size:16px;font-weight:400;line-height:24px;} .emDcog > div li{font-size:16px;font-weight:400;line-height:24px;} .emDcog > span > p{font-size:16px;font-weight:400;line-height:24px;} .emDcog > span > p > img{max-width:100%;height:auto !important;} .emDcog > div > div > video{max-width:100%;height:auto !important;} /* sc-component-id: Page-styled__DownloadBtnMedium-sc-2afc07d8-11 */ .kgDGoe{padding-bottom:27px;display:none !important;} @media (min-width:672px) and (max-width:1055px){.kgDGoe{display:block !important;}} /* sc-component-id: Page-styled__SectionTopLessThanBIG-sc-2afc07d8-12 */ .eefyXq{display:none !important;} @media (max-width:1055px){.eefyXq{display:block !important;}} /* sc-component-id: Page-styled__FullReportBoxQuantum-sc-2afc07d8-13 */ .fENNeW{background-color:#0062FF !important;border-color:#0062FF !important;outline-color:#0062FF !important;border:1px solid;margin-top:30px;margin-left:0px;outline:solid 1px;text-align:left;font-size:14px;color:#ffffff !important;cursor:pointer;box-sizing:border-box;font-size:16px;line-height:20px;width:100%;max-width:248px;height:48px;padding:0px 16px;text-align:left;-webkit-text-decoration:none;text-decoration:none;-webkit-transition:border 0.3s,color 0.3s,background-color 0.3s;transition:border 0.3s,color 0.3s,background-color 0.3s;white-space:normal;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-box-pack:justify;-webkit-justify-content:space-between;-ms-flex-pack:justify;justify-content:space-between;} @media (max-width:1055px){.fENNeW{display:none !important;}} .fENNeW span{display:inline-block;line-height:18px;margin:auto 0;} .fENNeW:hover{background-color:#0354e9 !important;border-color:#0354e9 !important;outline-color:#0354e9 !important;-webkit-text-decoration:none;text-decoration:none;} .fENNeW > i{height:15px;width:18.8px;display:inline-block;margin-left:20px;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;margin:15px 0 auto 0;} .fENNeW > i > img{height:15px;width:18.8px;}.fHizFO{background-color:#0062FF !important;border-color:#0062FF !important;outline-color:#0062FF !important;border:1px solid;margin-top:30px;margin-left:0px;outline:solid 1px;text-align:left;font-size:14px;color:#ffffff !important;cursor:pointer;box-sizing:border-box;font-size:16px;line-height:20px;width:248px;max-width:248px;height:48px;padding:0px 16px;text-align:left;-webkit-text-decoration:none;text-decoration:none;-webkit-transition:border 0.3s,color 0.3s,background-color 0.3s;transition:border 0.3s,color 0.3s,background-color 0.3s;white-space:normal;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-box-pack:justify;-webkit-justify-content:space-between;-ms-flex-pack:justify;justify-content:space-between;} @media (max-width:1055px){.fHizFO{display:none !important;}} .fHizFO span{display:inline-block;line-height:18px;margin:auto 0;} .fHizFO:hover{background-color:#0354e9 !important;border-color:#0354e9 !important;outline-color:#0354e9 !important;-webkit-text-decoration:none;text-decoration:none;} .fHizFO > i{height:15px;width:18.8px;display:inline-block;margin-left:20px;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;margin:15px 0 auto 0;} .fHizFO > i > img{height:15px;width:18.8px;} /* sc-component-id: Page-styled__IBVReportBottomButton-sc-2afc07d8-14 */ .ffezGQ span{margin-right:16px;font-weight:400;} /* sc-component-id: Page-styled__BottomDownloadButtonDiv-sc-2afc07d8-15 */ .kaUjXR .button-primary,.kaUjXR .button-secondary{font-size:14px;} .kaUjXR .button-primary > span,.kaUjXR .button-secondary > span{white-space:pre-wrap;} .kaUjXR .cds--btn{max-width:100%;} /* sc-component-id: SectionActionGuide__DesktopDiv-sc-e040fcbd-0 */ @media (max-width:1055px){.jSrRbq{display:none;}} /* sc-component-id: SectionActionGuide__MobileDiv-sc-e040fcbd-1 */ .hGsfDS{display:none;} @media (max-width:1055px){.hGsfDS{display:unset;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:row;-ms-flex-direction:row;flex-direction:row;-webkit-flex-wrap:wrap;-ms-flex-wrap:wrap;flex-wrap:wrap;}} /* sc-component-id: SectionActionGuide__TitleDiv-sc-e040fcbd-2 */ .jJddAW{font-family:IBM Plex Sans,'Helvetica Neue',Arial,sans-serif;font-size:32px;line-height:36px;margin-left:15px;margin-right:70px;} @media (max-width:1055px){.jJddAW{margin-top:15px;margin-right:15px;margin-bottom:15px;}} /* sc-component-id: SectionActionGuide__CardDiv-sc-e040fcbd-3 */ .kaErFB{max-width:49.5%;-webkit-flex-basis:49.5%;-ms-flex-preferred-size:49.5%;flex-basis:49.5%;margin-right:calc(0.05%);background:#f3f3f3;} /* sc-component-id: SectionActionGuide__CardMobileDiv-sc-e040fcbd-4 */ .dWpAuU{margin-bottom:15px;background:#f3f3f3;} /* sc-component-id: SectionActionGuide__CardListDiv-sc-e040fcbd-5 */ .fGPXwH{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:row;-ms-flex-direction:row;flex-direction:row;-webkit-flex-wrap:wrap;-ms-flex-wrap:wrap;flex-wrap:wrap;} /* sc-component-id: SectionActionGuide__CardTitleDiv-sc-e040fcbd-6 */ .dtHtvF{margin-top:43px;width:85%;height:52px;font-family:IBM Plex Sans,'Helvetica Neue',Arial,sans-serif;font-size:20px;color:#171717;font-weight:600;line-height:26px;} @media (max-width:1055px){.dtHtvF{margin-top:15px;font-size:16px;}} /* sc-component-id: SectionActionGuide__CardContentDiv-sc-e040fcbd-7 */ .eBdbGI{margin-top:24px;width:85%;font-family:IBM Plex Sans,'Helvetica Neue',Arial,sans-serif;font-size:16px;color:#181818;line-height:22px;} .eBdbGI > a{color:black;-webkit-text-decoration:underline !important;text-decoration:underline !important;} /* sc-component-id: SectionActionGuide__CardExploreDiv-sc-e040fcbd-8 */ .JWjQn{margin-top:24px;margin-bottom:42px;font-family:IBM Plex Sans,'Helvetica Neue',Arial,sans-serif;font-size:16px;line-height:22px;} .JWjQn > a{color:black;-webkit-text-decoration:underline !important;text-decoration:underline !important;} /* sc-component-id: SectionActionGuide__SectionTitleDivider-sc-e040fcbd-9 */ .eWxnjW{border-top:2px solid #007d79;margin-top:40px;width:80px;margin-bottom:25px;} @media (max-width:671px){.eWxnjW{overflow:auto;margin-left:0;margin-right:0;margin-top:20px;}} /* sc-component-id: SectionFigure1__SubTitleLinkDiv-sc-b0f15576-1 */ .iiufAN > a{color:black;-webkit-text-decoration:underline !important;text-decoration:underline !important;} /* sc-component-id: SectionFigure2__MainDiv-sc-4d9e778d-0 */ .imWMSV * > a{cursor:pointer;} /* sc-component-id: SectionFigure2__SideBarDesktop-sc-4d9e778d-1 */ @media (max-width:671px){.imDXGk{display:none;}} /* sc-component-id: SectionFigure2__SideBarMobile-sc-4d9e778d-2 */ .LGXWI{display:none;} @media (max-width:671px){.LGXWI{display:initial;}} /* sc-component-id: SectionFigure3__AccordionOuterDiv-sc-5bba1013-1 */ .bFiuhs{padding-top:32px;} .bFiuhs ul > li{padding-left:unset;} .bFiuhs ul > li::before{content:unset;} .bFiuhs .cds--accordion__item{margin-left:-16px;margin-right:0px;border-top:1px solid rgb(190,190,190);} .bFiuhs .cds--accordion__item:last-child{border-top:none;border-bottom:none;margin-top:-68px;} .bFiuhs .cds--accordion__item .cds--accordion__heading{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;height:160px;} .bFiuhs .cds--accordion__item .cds--accordion__heading:focus{border:unset;box-shadow:unset;} .bFiuhs .cds--accordion__item .cds--accordion__heading:hover{background-color:unset;} .bFiuhs .cds--accordion__item .cds--accordion__heading .cds--accordion__arrow{fill:#4896ff;-webkit-transform:rotate(90deg) scale(2);-ms-transform:rotate(90deg) scale(2);transform:rotate(90deg) scale(2);margin-right:12px;} .bFiuhs .cds--accordion__item .cds--accordion__heading .cds--accordion__title{font-weight:400;font-size:20px;line-height:28px;color:#191919;} .bFiuhs .cds--accordion__item .cds--accordion__content{padding-right:unset;} .bFiuhs .cds--accordion__item--active > .cds--accordion__heading > .cds--accordion__arrow{-webkit-transform:rotate(-90deg) scale(2);-ms-transform:rotate(-90deg) scale(2);transform:rotate(-90deg) scale(2);} /* sc-component-id: SectionFigure3__AccordionContentWrapper-sc-5bba1013-2 */ .iRCSGE{padding-top:15px； padding-bottom:0px；;} /* sc-component-id: SectionFigure3__BarThinDiv-sc-5bba1013-3 */ .bENazn{position:relative;top:52px;margin-top:0;margin-bottom:0px !important;} /* sc-component-id: SectionFigure4__SideBarDesktop-sc-6d2e1447-1 */ @media (max-width:671px){.bgUyHR{display:none;}} /* sc-component-id: SectionFigure4__SideBarMobile-sc-6d2e1447-2 */ .jDAcvT{display:none;} @media (max-width:671px){.jDAcvT{display:initial;}} /* sc-component-id: SectionMethodology__AccordionOuterDiv-sc-85d33cbf-1 */ .dfucew{width:100%;} .dfucew ul > li{padding-left:unset;} .dfucew ul > li::before{content:unset;} .dfucew .cds--accordion__item{margin-right:40px;} .dfucew .cds--accordion__item:last-child{border-top:none;border-bottom:none;} .dfucew .cds--accordion__item .cds--accordion__heading{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;height:90px;} @media (max-width:400px){.dfucew .cds--accordion__item .cds--accordion__heading{height:132px;}} .dfucew .cds--accordion__item .cds--accordion__heading:focus{border:unset;box-shadow:unset;} .dfucew .cds--accordion__item .cds--accordion__heading:hover{background-color:unset;} .dfucew .cds--accordion__item .cds--accordion__heading .cds--accordion__arrow{fill:#4896ff;-webkit-transform:rotate(90deg) scale(2);-ms-transform:rotate(90deg) scale(2);transform:rotate(90deg) scale(2);margin-right:12px;} .dfucew .cds--accordion__item .cds--accordion__heading .cds--accordion__title{font-weight:300;font-size:32px;line-height:40px;color:#171717;} .dfucew .cds--accordion__item .cds--accordion__content{padding-right:unset;} .dfucew .cds--accordion__item--active > .cds--accordion__heading > .cds--accordion__arrow{-webkit-transform:rotate(-90deg) scale(2);-ms-transform:rotate(-90deg) scale(2);transform:rotate(-90deg) scale(2);} /* sc-component-id: SectionMethodology__AccordionContentWrapper-sc-85d33cbf-2 */ .TKEEc{padding-top:15px； padding-bottom:0px；;} /* sc-component-id: SectionTalkingPoints__MainDiv-sc-b1e08e92-0 */ .jNRDCM{margin-top:0px;margin-left:0px;margin-right:5px;background-color:#f3f3f3;} @media (max-width:1055px){.jNRDCM{margin-top:0px;margin-bottom:32px;margin-left:-32px;margin-right:-32px;padding-top:32px;padding-bottom:16px;padding-left:32px;padding-right:32px;}} /* sc-component-id: SectionTalkingPoints__SidebarSection-sc-b1e08e92-1 */ .imlFaa .title{font-family:IBM Plex Sans,'Helvetica Neue',Arial,sans-serif;height:50px;color:#1d1d1d;font-size:20px;font-weight:600;line-height:50px;margin-bottom:24px;} .imlFaa .bar-thin{margin-bottom:14px;} .imlFaa .label{font-family:IBM Plex Sans,'Helvetica Neue',Arial,sans-serif;margin-bottom:10px;color:#565656;font-size:16px;font-weight:600;line-height:26px;} .imlFaa .text{font-family:IBM Plex Sans,'Helvetica Neue',Arial,sans-serif;color:#616161;font-size:16px;line-height:22px;margin-bottom:28px;} /* sc-component-id: SectionTop__FullReportBox-sc-1f011e72-0 */ .imBySV{background-color:#0062FF !important;border-color:#0062FF !important;outline-color:#0062FF !important;border:1px solid;margin-top:30px;margin-left:3px;outline:solid 1px;text-align:left;font-size:14px;color:#ffffff !important;cursor:pointer;box-sizing:border-box;font-size:16px;line-height:20px;width:248px;height:48px;padding:0px 16px;text-align:left;-webkit-text-decoration:none;text-decoration:none;-webkit-transition:border 0.3s,color 0.3s,background-color 0.3s;transition:border 0.3s,color 0.3s,background-color 0.3s;white-space:normal;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-box-pack:justify;-webkit-justify-content:space-between;-ms-flex-pack:justify;justify-content:space-between;} .imBySV span{display:inline-block;line-height:18px;margin:auto 0;} .imBySV:hover{background-color:#0354e9 !important;border-color:#0354e9 !important;outline-color:#0354e9 !important;-webkit-text-decoration:none;text-decoration:none;} .imBySV > i{height:15px;width:18.8px;display:inline-block;margin-left:20px;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;margin:15px 0 auto 0;} .imBySV > i > img{height:15px;width:18.8px;} /* sc-component-id: SectionTop__Icon-sc-1f011e72-1 */ .guJfAy{width:28px;height:28px;margin-right:8px;} /* sc-component-id: SectionTopParagraph__MainDiv-sc-ec13b58f-0 */ @media (max-width:1055px){.eDuDGX{display:none !important;}} /* sc-component-id: SectionTopTalkingPoints__MainDiv-sc-c3a0d02c-0 */ .iAoeIL{background-color:#f3f3f3;padding:16px 16px;margin-top:0px;margin-left:0px;margin-right:5px;} @media (max-width:1055px){.iAoeIL{display:none !important;}} @media (max-width:1055px){.iAoeIL{margin-top:0px;margin-left:0px;}} /* sc-component-id: SectionTopTalkingPoints__SidebarSection-sc-c3a0d02c-1 */ .lpaKKO .title{font-family:IBM Plex Sans,'Helvetica Neue',Arial,sans-serif;height:50px;color:#1d1d1d;font-size:20px;font-weight:600;line-height:50px;margin-bottom:24px;} .lpaKKO .bar-thin{margin-bottom:14px;} .lpaKKO .label{font-family:IBM Plex Sans,'Helvetica Neue',Arial,sans-serif;margin-bottom:10px;color:#565656;font-size:16px;font-weight:600;line-height:26px;} .lpaKKO .text{font-family:IBM Plex Sans,'Helvetica Neue',Arial,sans-serif;color:#616161;font-size:16px;line-height:22px;margin-bottom:28px;} /* sc-component-id: Leadspace4HolidaySurvey__MobileHeaderDiv-sc-9d457e03-1 */ @media (max-width:671px){.jBntQB{background-color:rgba(220,220,220,0.5);display:none;}} /* sc-component-id: Leadspace4HolidaySurvey__MobileDivider-sc-9d457e03-2 */ .fYWkQJ{color:red;} @media (min-width:672px){.fYWkQJ{display:none !important;}} /* sc-component-id: Leadspace4HolidaySurvey__MobileImage-sc-9d457e03-3 */ .hgIxkW{background-image:url('/thought-leadership/institute-business-value/uploads/en/2021_Holiday_Survey_Leadspace_d47491df43_efa81c21e4');background-position:center 0%;background-size:cover;background-repeat:no-repeat;background-position:center 0%;width:100%;height:185px;unset;min-height:436px;content:'';} @media (min-width:672px){.hgIxkW{display:none !important;}} /* sc-component-id: Leadspace4HolidaySurvey__Wrap-sc-9d457e03-4 */ .dpLaTH{background-image:url('/thought-leadership/institute-business-value/uploads/en/2021_Holiday_Survey_Leadspace_d47491df43_efa81c21e4');background-position:center 0%;background-size:cover;background-repeat:no-repeat;position:relative;min-height:436px;height:auto;} @media (max-width:851px){.dpLaTH .external-button-margin-increase .button-primary{margin-bottom:5px;}} .dpLaTH .button-group{bottom:unset !important;position:static;} @media (max-width:762px){.dpLaTH .button-group .button-primary{margin-bottom:5px;}} @media (min-width:1312px){.dpLaTH{background-color:#d02e73;background-position:top right;background-size:auto 100%;}} @media (max-width:671px){.dpLaTH{background:none !important;min-height:unset !important;height:unset;color:#171717 !important;}.dpLaTH a{color:#171717;}} /* sc-component-id: Leadspace4HolidaySurvey__TextWrap-sc-9d457e03-8 */ .hJKXqA{position:relative;z-index:1;} @media (max-width:671px){.hJKXqA > div > h1{color:#000000 !important;}} @media (max-width:671px){.hJKXqA > div > h2{color:#000000 !important;}} @media (max-width:671px){.hJKXqA > div > p{color:#000000 !important;max-width:100% !important;}} /* sc-component-id: Leadspace4HolidaySurvey__MobileBreadcrumbs-sc-9d457e03-9 */ .jWSUEp{font-size:14px;-webkit-letter-spacing:0.16px;-moz-letter-spacing:0.16px;-ms-letter-spacing:0.16px;letter-spacing:0.16px;line-height:20px;margin-bottom:20px;} @media (min-width:672px){.jWSUEp{display:none !important;}} .jWSUEp > *{font-size:14px;margin-right:0.5rem;-webkit-text-decoration:none !important;text-decoration:none !important;} .jWSUEp > a{font-size:14px;margin-right:0.5rem;-webkit-text-decoration:none !important;text-decoration:none !important;} .jWSUEp > *:after{content:'|';margin-left:0.5rem;display:inline;font-size:14px;} .jWSUEp > *:last-child:after{font-size:14px;content:'';color:none !important;} /* sc-component-id: Leadspace4HolidaySurvey__CustomDownloadBtnDiv-sc-9d457e03-10 */ @media (max-width:672px){.fcZhgA{display:none !important;}} .fcZhgA #custom-lh-download-btn-1,.fcZhgA #custom-lh-download-btn-2,.fcZhgA #custom-download-btn-1,.fcZhgA #custom-download-btn-2{min-width:23rem;margin-bottom:0.5rem;} /* sc-component-id: Leadspace4HolidaySurvey__TitleOnMobileImageDiv-sc-9d457e03-15 */ .dZQSuv{padding-top:50%;padding-right:16px;padding-left:16px;color:#ffffff;font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-size:28px;font-weight:500;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:38px;} @media (max-width:671px){.dZQSuv{padding-right:32px;padding-left:32px;}} @media (max-width:600px){.dZQSuv{padding-top:55%;}} @media (max-width:560px){.dZQSuv{padding-top:60%;}} @media (max-width:530px){.dZQSuv{padding-top:65%;}} @media (max-width:500px){.dZQSuv{padding-top:70%;}} @media (max-width:400px){.dZQSuv{padding-top:75%;}} @media (max-width:350px){.dZQSuv{padding-top:85%;}} /* sc-component-id: Leadspace4HolidaySurvey__DescriptionOnMobileImageDiv-sc-9d457e03-16 */ .mCQzy{padding-top:21px;padding-right:16px;padding-left:16px;color:#f3f3f3;font-family:'IBM Plex Sans','Helvetica 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SectionIntro__BookmarkDiv-sc-54613614-1 */ .bZxdHC{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-box-pack:justify;-webkit-justify-content:space-between;-ms-flex-pack:justify;justify-content:space-between;font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-weight:600;font-size:16px;color:#323232;line-height:22px;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;margin-bottom:24px;margin-top:0px;max-width:unset;} .bZxdHC > span{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;white-space:nowrap;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-weight:600;font-size:14px;color:#3d3d3d;-webkit-letter-spacing:0.16px;-moz-letter-spacing:0.16px;-ms-letter-spacing:0.16px;letter-spacing:0.16px;line-height:18px;} .bZxdHC > 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svg{margin:auto;width:100%;object-fit:contain;-webkit-user-select:none;-moz-user-select:none;-ms-user-select:none;user-select:none;} @media (max-width:671px){.hRufYs{max-width:unset;margin-top:40px;bottom:-24px;}} /* sc-component-id: SectionTravel__AnimationContainerDiv-sc-e1127d57-9 */ @media (max-width:671px){.hpfiaY{width:100%;margin-top:30px;}} /* sc-component-id: SectionTravel__AnimationContainer-sc-e1127d57-10 */ .juTtSL{position:relative;} @media (max-width:671px){} /* sc-component-id: SectionTravel__AnimationElement-sc-e1127d57-11 */ .hICrUC{position:relative;left:50%;-webkit-transform:translateX(-50%);-ms-transform:translateX(-50%);transform:translateX(-50%);width:100%;max-width:288px;text-align:center;} .hICrUC svg{margin:auto;width:100%;height:auto;object-fit:contain;-webkit-user-select:none;-moz-user-select:none;-ms-user-select:none;user-select:none;} @media (max-width:671px){.hICrUC{max-width:288px;}} /* sc-component-id: SectionTravel__WorkBgDiv-sc-e1127d57-12 */ 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/* sc-component-id: SectionActionGuide-styled__Container-sc-1faa777c-2 */ .eqlUsk{padding:3.5rem 0rem;} @media (min-width:672px){.eqlUsk{padding:5rem 0rem;}} @media (min-width:1056px){.eqlUsk{padding:6rem 0rem;}} /* sc-component-id: SectionActionGuide-styled__Row-sc-1faa777c-6 */ .cGPOe{padding-top:0rem;} @media (min-width:1056px){.cGPOe{padding-top:0rem;}} /* sc-component-id: SectionActionGuide-styled__TextColumn-sc-1faa777c-8 */ .iRmLUG{display:inline-block;width:100%;} @media (min-width:672px){.iRmLUG{width:56.5%;padding-top:0rem;padding-bottom:3.5rem;border-bottom:0.063rem solid;border-color:#c6c6c6;}} @media (min-width:1056px){.iRmLUG{width:50%;padding-top:0rem;padding-bottom:unset;padding-left:1rem;border-bottom:unset;}} /* sc-component-id: SectionActionGuide-styled__TitleColumn-sc-1faa777c-9 */ .efvMai{display:inline-block;width:100%;vertical-align:top;padding-bottom:1rem;} @media (min-width:672px){.efvMai{width:43.5%;}} @media (min-width:1056px){.efvMai{width:50%;}} /* sc-component-id: Letter-styled__ContinueText-sc-46afe0c3-0 */ .jnBTjh{font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-size:1rem;font-style:normal;font-weight:400;line-height:1.5rem;color:#0f62fe;cursor:pointer;display:none;width:-webkit-fit-content;width:-moz-fit-content;width:fit-content;}.FhkpB{font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-size:1rem;font-style:normal;font-weight:400;line-height:1.5rem;color:#0f62fe;cursor:pointer;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;width:-webkit-fit-content;width:-moz-fit-content;width:fit-content;} /* sc-component-id: Letter-styled__LetterModal-sc-46afe0c3-2 */ .dfxicJ.cds--modal .cds--modal-close{background-color:#f4f4f4;} @media (min-width:672px){.dfxicJ.cds--modal .cds--modal-close{background-color:#0f62fe;}} .dfxicJ.cds--modal .cds--modal-close svg{fill:#0f62fe;} @media (min-width:672px){.dfxicJ.cds--modal .cds--modal-close svg{fill:#ffffff;}} .dfxicJ.cds--modal 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SectionMovingForward-styled__ButtonGroupContainer-sc-681e2635-0 */ .gFGYyN{padding-top:1rem;} .gFGYyN #custom-download-btn-1,.gFGYyN #custom-email-btn-1{width:100%;} @media (min-width:672px){.gFGYyN #custom-download-btn-1 i,.gFGYyN #custom-email-btn-1 i{margin:auto 0 auto auto;}} /* sc-component-id: SectionMovingForward-styled__Divider-sc-681e2635-1 */ @media (min-width:672px){.bGyyDO{display:none;}} @media (min-width:1056px){.bGyyDO{display:block;}} /* sc-component-id: SectionMovingForward-styled__ImageContainer-sc-681e2635-2 */ .bsYpog{position:relative;padding:0;display:none;} @media (min-width:672px){.bsYpog{padding:0 1rem;display:block;}}.lhbLdq{position:relative;padding:0;} @media (min-width:672px){.lhbLdq{padding:0 1rem;display:none;}} /* sc-component-id: SectionMovingForward-styled__Published-sc-681e2635-3 */ .cEXmbX{font-size:0.875rem;font-weight:400;line-height:1.125rem;-webkit-letter-spacing:0.01rem;-moz-letter-spacing:0.01rem;-ms-letter-spacing:0.01rem;letter-spacing:0.01rem;padding-bottom:3rem;padding-left:1rem;display:none;} @media (min-width:1056px){.cEXmbX{display:block;}} /* sc-component-id: SectionMovingForward-styled__SectionImage-sc-681e2635-4 */ .jGMwSI{width:100%;} /* sc-component-id: SectionMovingForward-styled__TextContainer-sc-681e2635-6 */ .fPymeD #letter_moving_forward{border-bottom:unset;} @media (min-width:672px){.fPymeD #letter_moving_forward{border-bottom:0.063rem solid #c6c6c6;}} /* sc-component-id: SectionMovingForward-styled__TextTitle-sc-681e2635-7 */ .kFnPxB{color:#6929c4;font-size:2.625rem;font-weight:300;line-height:3.125rem;padding-bottom:2.5rem;} @media (min-width:1056px){.kFnPxB{font-size:3.375rem;font-weight:200;line-height:4rem;padding-bottom:3rem;}} /* sc-component-id: SectionMovingForward-styled__Wrapper-sc-681e2635-8 */ .eRqWZi{background-color:#e5f6ff;padding:3.5rem 0rem 1rem 0rem;} @media (min-width:672px){.eRqWZi{padding:5rem 0rem;}} @media (min-width:1056px){.eRqWZi{padding:6rem 0rem;}} /* sc-component-id: SectionGray-styled__MainDiv-sc-203f55c4-0 */ .ksmhtK{background-color:#e5f6ff;padding-top:6rem;padding-bottom:6rem;} /* sc-component-id: SectionGray-styled__TitleLetterColumn-sc-203f55c4-1 */ .EuOm{position:relative;} /* sc-component-id: SectionPartOneGray-styled__Title-sc-842ad8df-0 */ .izCchr{font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-size:1rem;font-style:normal;font-weight:400;line-height:1.5rem;font-size:1.75rem;font-weight:300;line-height:2.375rem;color:#6929c4;padding-bottom:2.5rem;}.iNhbDe{font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-size:1rem;font-style:normal;font-weight:400;line-height:1.5rem;font-size:1.75rem;font-weight:300;line-height:2.375rem;color:#6929c4;padding-bottom:0;} /* sc-component-id: SectionPartOneGray-styled__BottomTextContainer-sc-842ad8df-2 */ .jXagQo{padding-top:3rem;} @media (min-width:672px){.jXagQo{position:absolute;bottom:0;}} /* sc-component-id: SectionPartThreeDoubleLetter-styled__DesktopLetterContainerWrapper-sc-f2de515b-0 */ .gSqTbo{display:none;} @media (min-width:672px){.gSqTbo{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;}} /* sc-component-id: SectionPartThreeDoubleLetter-styled__Divider-sc-f2de515b-1 */ .bzdsJS{display:none;} @media (min-width:672px){.bzdsJS{display:none;}} @media (min-width:1056px){.bzdsJS{display:block;}}.fzBVqM{display:none;} @media (min-width:672px){.fzBVqM{display:block;}} @media (min-width:1056px){.fzBVqM{display:block;}} /* sc-component-id: SectionPartThreeDoubleLetter-styled__LetterContainer-sc-f2de515b-2 */ .egBfLf{margin-top:auto;} .egBfLf #letter-1{margin-top:-0.063rem;} .egBfLf .cds--modal-content li::before{content:'–';color:#000000;font-size:1rem;font-weight:400;line-height:1.5rem;font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;} /* sc-component-id: SectionPartThreeDoubleLetter-styled__MobileLetterContainerWrapper-sc-f2de515b-3 */ .iBiyUw{padding-top:2rem;} @media (min-width:672px){.iBiyUw{display:none;}} /* sc-component-id: SectionPartThreeDoubleLetter-styled__TextContainer-sc-f2de515b-5 */ .fgayZg{padding:0rem 1rem;} @media (min-width:1056px){.fgayZg{padding:0rem 1rem !important;}} /* sc-component-id: SectionPartThreeDoubleLetter-styled__Wrapper-sc-f2de515b-6 */ .kDlOoM{background-color:#e5f6ff;padding:3.5rem 0rem;} @media (min-width:672px){.kDlOoM{padding:5rem 0rem;}} @media (min-width:1056px){.kDlOoM{padding:6rem 0rem;}} /* sc-component-id: SectionPartTwoGray-styled__Title-sc-2cd8d878-0 */ .cijbZU{font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-size:1rem;font-style:normal;font-weight:400;line-height:1.5rem;font-size:1.75rem;font-weight:300;line-height:2.375rem;color:#6929c4;padding-bottom:2.5rem;} /* sc-component-id: SectionPartTwoGray-styled__LetterContainer-sc-2cd8d878-2 */ .hVIlbQ{padding-top:3rem;} @media (min-width:672px){.hVIlbQ{position:absolute;bottom:0;}} /* sc-component-id: SectionReportNavigation-styled__MainDiv-sc-9148baf8-0 */ @media (min-width:672px){.lipwv{margin-top:6rem;margin-bottom:6rem;}} /* sc-component-id: SectionReportNavigation-styled__Container-sc-9148baf8-1 */ .hSxsUW{background-color:#f4f4f4;padding-top:3rem;padding-bottom:3rem;-webkit-flex-direction:row-reverse;-ms-flex-direction:row-reverse;flex-direction:row-reverse;} @media (min-width:672px){.hSxsUW{padding-top:6rem;padding-bottom:6rem;margin-left:1rem !important;margin-right:1rem !important;}} @media (min-width:1056px){.hSxsUW{margin-left:revert !important;margin-right:revert !important;}} /* sc-component-id: SectionReportNavigation-styled__Image-sc-9148baf8-2 */ .iOfuZT{width:100%;} @media (min-width:672px){.iOfuZT{max-height:352px;}} @media (min-width:1056px){.iOfuZT{max-height:448px;}} /* sc-component-id: SectionReportNavigation-styled__Paragraph-sc-9148baf8-3 */ .jnSNXU{font-size:1rem;line-height:1.5rem;font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-weight:400;padding-bottom:3rem;} @media (min-width:1056px){.jnSNXU{font-size:1.25rem;line-height:1.75rem;}} /* sc-component-id: SectionReportNavigation-styled__ImageButtonContainer-sc-9148baf8-7 */ .fbIPsV #ButtonGroup__CustomDownloadBtnContainer{padding-top:0 !important;margin-top:-0.125rem;} .fbIPsV #custom-download-btn-1,.fbIPsV #custom-email-btn-1{margin-bottom:0;width:100%;} .fbIPsV #custom-download-btn-1 span,.fbIPsV #custom-email-btn-1 span{width:100%;} /* sc-component-id: SectionReportNavigation-styled__StyledButtonSet-sc-9148baf8-8 */ .dvhgMw{padding-bottom:1rem;} @media (min-width:672px){.dvhgMw{padding-bottom:0;}} /* sc-component-id: SectionStatement-styled__MainDiv-sc-34b872d0-0 */ .fgkCtt{background-color:#e5f6ff;padding-top:6rem;padding-bottom:6rem;} /* sc-component-id: SectionStatement-styled__TitleLetterColumn-sc-34b872d0-1 */ .gDurJC{position:relative;} /* sc-component-id: SectionStatement-styled__Title-sc-34b872d0-2 */ .jnScBp{font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-size:1rem;font-style:normal;font-weight:400;line-height:1.5rem;font-size:3.375rem;font-weight:200;line-height:4rem;color:#6929c4;} /* sc-component-id: SectionStatement-styled__DownloadTranslationsDropdownContainer-sc-34b872d0-6 */ .iLYSZW{padding-top:2.5rem;} .iLYSZW .cds--dropdown,.iLYSZW .cds--list-box__menu{background-color:#ffffff;} /* sc-component-id: SectionStatistics-styled__MainDiv-sc-f00caa7-4 */ .bEoGwb{background-color:#ffffff;padding-bottom:3.5rem;padding-bottom:3%.5;} @media (min-width:672px){.bEoGwb{padding-bottom:6rem;}} /* sc-component-id: SectionStatistics-styled__SectionImage-sc-f00caa7-5 */ .bCRokp{width:100%;margin:0rem;} /* sc-component-id: SectionStatistics-styled__SectionImageContainer-sc-f00caa7-6 */ .bHScQd{text-align:center;background:linear-gradient(180deg,#e5f6ff 50%,#ffffff 50%);} /* sc-component-id: SectionStatistics-styled__SectionImageWrapper-sc-f00caa7-7 */ .dFWZlz{margin-bottom:3.5rem;} @media (min-width:1056px){.dFWZlz{margin-bottom:5rem;}} /* sc-component-id: SectionStatistics-styled__Subtitle-sc-f00caa7-11 */ .dvjsks{font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-size:1rem;font-style:normal;font-weight:400;line-height:1.5rem;padding-bottom:2rem;font-size:1.25rem;font-weight:400;line-height:1.75rem;} @media (min-width:672px){.dvjsks{font-size:1.75rem;line-height:2.375rem;font-weight:300;}} /* sc-component-id: SectionStatistics-styled__Tagline-sc-f00caa7-12 */ .infpUh{font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-size:1rem;font-style:normal;font-weight:400;line-height:1.5rem;font-size:1rem;} .infpUh > p{padding-bottom:0;} /* sc-component-id: SectionStatistics-styled__Title-sc-f00caa7-13 */ .shMiT{font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-size:1rem;font-style:normal;font-weight:400;line-height:1.5rem;font-size:2.625rem;font-weight:200;line-height:3.125rem;color:#6929c4;padding-bottom:2rem;} @media (min-width:672px){.shMiT{padding-bottom:3rem;line-height:4rem;font-size:3.375rem;}} /* sc-component-id: TabButton__TabAnchor-sc-ad9c02ec-0 */ .hRisjk{border-bottom:0.125rem solid #0f62fe;margin-top:0rem;margin-right:0.063rem;margin-left:0.063rem;padding:0.75rem 1rem;white-space:nowrap;text-overflow:ellipsis;overflow:hidden;cursor:pointer;color:#000000;box-sizing:border-box;font-size:0.875rem;font-weight:600;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;width:100%;-webkit-text-decoration:none;text-decoration:none;-webkit-transition:border 0.3s,color 0.3s,background-color 0.3s;transition:border 0.3s,color 0.3s,background-color 0.3s;} .hRisjk span{display:inline-block;line-height:1.125rem;margin:auto 0;} .hRisjk:hover{color:#000000;border-bottom:0.125rem solid #0f62fe;-webkit-text-decoration:none;text-decoration:none;} @media ((min-width:672px) and (max-width:834px)) or ((min-width:1056px) and (max-width:1097px)){.hRisjk{padding:0.75rem 0.5rem;overflow:visible;}}.dPzeXm{border-bottom:0.125rem solid #e0e0e0;margin-top:0rem;margin-right:0.063rem;margin-left:0.063rem;padding:0.75rem 1rem;white-space:nowrap;text-overflow:ellipsis;overflow:hidden;cursor:pointer;color:#525252;box-sizing:border-box;font-size:0.875rem;font-weight:500;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;width:100%;-webkit-text-decoration:none;text-decoration:none;-webkit-transition:border 0.3s,color 0.3s,background-color 0.3s;transition:border 0.3s,color 0.3s,background-color 0.3s;} .dPzeXm span{display:inline-block;line-height:1.125rem;margin:auto 0;} .dPzeXm:hover{color:#000000;border-bottom:0.125rem solid #8d8d8d;-webkit-text-decoration:none;text-decoration:none;} @media ((min-width:672px) and (max-width:834px)) or ((min-width:1056px) and (max-width:1097px)){.dPzeXm{padding:0.75rem 0.5rem;overflow:visible;}} /* sc-component-id: TabPanel__Container-sc-bf7c84f6-1 */ .ftZAuN{display:inline-block;width:50%;} @media (min-width:672px){.ftZAuN:first-child{padding-right:2rem;}} /* sc-component-id: TabPanel__TextContainer-sc-bf7c84f6-2 */ .dXmDYI{padding-bottom:1.5rem;line-height:1.5rem;font-size:1.75rem;line-height:2.25rem;font-weight:400;}.loDbyZ{padding-bottom:1.5rem;line-height:1.5rem;} /* sc-component-id: TabPanel__Wrapper-sc-bf7c84f6-3 */ .hVYLpG{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;} /* sc-component-id: TabPanel__AnimationSVG-sc-bf7c84f6-4 */ .gvvmDd{position:relative;overflow:hidden;padding-top:1rem;width:100%;display:block;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;} .gvvmDd object{pointer-events:none;} .gvvmDd picture > img{width:100%;} /* sc-component-id: AccordionWithPicture__AccordionContentWrapper-sc-4e62c163-2 */ .hwbXjs{padding-top:0.938rem;padding-bottom:0rem;} /* sc-component-id: AccordionWithPicture__AccordionOuterDiv-sc-4e62c163-3 */ .TTLSj * > b{font-weight:600;} .TTLSj ul{padding-bottom:0rem;} .TTLSj ul li{padding-left:unset;} .TTLSj ul li::before{content:unset;} .TTLSj .cds--accordion__title{margin-left:0.813rem;padding-right:0.938rem;padding-left:0;} @media (max-width:670px){.TTLSj .cds--accordion__title{width:90%;}} .TTLSj .cds--accordion__item{margin-left:-0.75rem;margin-right:-0.75rem;border:0;} .TTLSj .cds--accordion__item .cds--accordion__heading{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;height:100%;min-height:3.75rem;} .TTLSj .cds--accordion__item .cds--accordion__heading:focus{border:unset;box-shadow:unset;} .TTLSj .cds--accordion__item .cds--accordion__heading:hover{background-color:unset;} .TTLSj .cds--accordion__item .cds--accordion__heading .cds--accordion__arrow{-webkit-transform:rotate(90deg) scale(2);-ms-transform:rotate(90deg) scale(2);transform:rotate(90deg) scale(2);margin-right:0.75rem;width:0.625rem;} .TTLSj .cds--accordion__item .cds--accordion__heading .cds--accordion__title{font-size:0.875rem;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:1.5rem;color:#161616;} @media (max-width:1065px){.TTLSj .cds--accordion__item .cds--accordion__heading{position:unset;-webkit-box-pack:start;-webkit-justify-content:start;-ms-flex-pack:start;justify-content:start;}.TTLSj .cds--accordion__item .cds--accordion__heading svg{position:absolute;right:0;}} .TTLSj .cds--accordion__item .cds--accordion__content{padding-right:unset;position:relative;} .TTLSj .cds--accordion__item--active > .cds--accordion__heading > .cds--accordion__arrow{-webkit-transform:rotate(-90deg) scale(2);-ms-transform:rotate(-90deg) scale(2);transform:rotate(-90deg) scale(2);} /* sc-component-id: AccordionWithPicture__MainDiv-sc-4e62c163-4 */ .hgJZvo{border-top:0.063rem solid rgb(190,190,190);position:relative;} .hgJZvo * > a{cursor:pointer;} /* sc-component-id: AccordionWithPicture__Text-sc-4e62c163-5 */ .iABVgs{padding-bottom:1.5rem;line-height:1.375rem;font-size:1.75rem;line-height:2.25rem;font-weight:400;} .iABVgs:last-child{padding-bottom:unset;}.kasrNx{padding-bottom:1.5rem;line-height:1.375rem;} .kasrNx:last-child{padding-bottom:unset;} /* sc-component-id: AccordionWithPicture__AnimationSVG-sc-4e62c163-6 */ .hmHSeU{background-color:#f4f4f4;position:relative;overflow:hidden;margin-top:1.5rem;width:100%;display:block;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;} .hmHSeU object{pointer-events:none;} .hmHSeU picture > img{width:100%;margin-bottom:-2px;} /* sc-component-id: SectionTabs-styled__AccordionContainer-sc-4487c82b-0 */ .fyHAE{border-bottom:0.0625rem solid #c6c6c6;margin-bottom:3.5rem;} @media (min-width:672px){.fyHAE{display:none;}} /* sc-component-id: SectionTabs-styled__TabContainer-sc-4487c82b-1 */ .kEeTdt{display:none;padding-bottom:3rem;border-bottom:0.0625rem solid #c6c6c6;} @media (min-width:672px){.kEeTdt{display:block;}} .kEeTdt #tabButton-tabAnchor{white-space:normal;} /* sc-component-id: SectionTabs-styled__Header-sc-4487c82b-2 */ .fbjTBn{font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-size:1.25rem;font-weight:700;line-height:1.5rem;padding-top:3.5rem;padding-bottom:3rem;} @media (min-width:672px){.fbjTBn{padding-top:5rem;padding-bottom:3.5rem;padding-left:1rem;}} @media (min-width:1056px){.fbjTBn{padding-top:4.5rem;}} /* sc-component-id: LeadspaceCDO2023__LeadspaceImage-sc-f39f8387-0 */ .iwsVVS{width:100%;min-height:132px;max-width:128px !important;background-image:url('/thought-leadership/institute-business-value/uploads/en/CDO_Logo_f61160b670');background-position:top left;background-size:90% auto;background-repeat:no-repeat;} @media (max-width:671px){.iwsVVS{background-position:top right;background-size:auto 90%;max-width:100%;}}.PQdvV{width:100%;min-height:132px;max-width:128px !important;background-image:url('/thought-leadership/institute-business-value/uploads/jp/CDO_Logo_0190a85b2b_f45f303269_34db9cdf7a');background-position:top left;background-size:90% auto;background-repeat:no-repeat;} @media (max-width:671px){.PQdvV{background-position:top right;background-size:auto 90%;max-width:100%;}} /* sc-component-id: LeadspaceCDO2023__Wrap-sc-f39f8387-2 */ .jLbQNg{background-color:#fff;position:relative;color:#373737;font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-size:48px;font-weight:400;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:62px;} .jLbQNg a{color:#0f62fe;} @media (max-width:671px){.jLbQNg{background:none !important;min-height:unset !important;color:#171717 !important;}.jLbQNg a{color:#171717;}} /* sc-component-id: LeadspaceCDO2023__AssetWrapper-sc-f39f8387-3 */ .jsnMHk{display:inline-block;width:100%;padding-right:0px;} /* sc-component-id: LeadspaceCDO2023__SaveShareWrapper-sc-f39f8387-4 */ .kfqTur{display:inline-block;width:100%;padding-right:0px;} @media (max-width:671px){.kfqTur{padding:0px 0px 2px;}} .kfqTur .ibm-icononly a{margin-bottom:-3px;margin-left:10px;} .kfqTur .ibm-icononly a:before{color:#0f62fe;-webkit-transform:translateY(-22px);-ms-transform:translateY(-22px);transform:translateY(-22px);} .kfqTur .ibm-icononly a:last-child{margin-left:0px;} .kfqTur .ibm-icononly a:last-child:before{-webkit-transform:translateY(-24px);-ms-transform:translateY(-24px);transform:translateY(-24px);} .kfqTur .ibm-icononly a:hover:before{color:#0043ce;} .kfqTur .ibm-email-mono-link{position:relative;} .kfqTur span{font-size:16px;line-height:22px;font-weight:400;} .kfqTur div:first-child{border:none;} .kfqTur .ibm-type-b{max-width:unset;} /* sc-component-id: LeadspaceCDO2023__SubscribeWrapper-sc-f39f8387-5 */ .eiLvHE{display:inline-block;width:100%;padding-right:0px;} @media (max-width:671px){.eiLvHE{padding:0px 0px 2px;}} .eiLvHE .ibm-icononly a{margin-bottom:-3px;margin-left:10px;} .eiLvHE .ibm-icononly a:before{color:#0f62fe;-webkit-transform:translateY(-22px);-ms-transform:translateY(-22px);transform:translateY(-22px);} .eiLvHE .ibm-icononly a:last-child{margin-left:0px;} .eiLvHE .ibm-icononly a:last-child:before{-webkit-transform:translateY(-24px);-ms-transform:translateY(-24px);transform:translateY(-24px);} .eiLvHE .ibm-icononly a:hover:before{color:#0043ce;} .eiLvHE .ibm-email-mono-link{position:relative;} .eiLvHE span{font-size:16px;line-height:22px;font-weight:400;} .eiLvHE div:first-child{border:none;} .eiLvHE .ibm-type-b{max-width:unset;} .eiLvHE span{color:#161616;} .eiLvHE .ibm-email-mono-link{position:relative;top:0px;margin-left:12px !important;} .eiLvHE .ibm-email-mono-link:before{-webkit-transform:translateY(-20px) !important;-ms-transform:translateY(-20px) !important;transform:translateY(-20px) !important;} @media (max-width:1055px){.eiLvHE div:first-child{background-color:unset;}} /* sc-component-id: LeadspaceCDO2023__ReportWrapper-sc-f39f8387-6 */ .gXbcmQ p{margin:0;font-size:16px;} /* sc-component-id: LeadspaceCDO2023__TextWrapper-sc-f39f8387-7 */ @-webkit-keyframes fadeIn{0%{opacity:0;}100%{opacity:1;}} @keyframes fadeIn{0%{opacity:0;}100%{opacity:1;}} .DQPFu h4{position:relative;color:#161616;font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-size:20px;font-weight:bold;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:26px;padding:0 0 15px;} .DQPFu h4 .date{float:right;} @media (max-width:1157px){.DQPFu h4 .date{display:none;}} .DQPFu h1{color:#161616;font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-size:48px;font-weight:300;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:72px;padding:0 0 15px;} .DQPFu h1 span,.DQPFu h1 a{opacity:0;-webkit-animation-name:fadeIn;animation-name:fadeIn;-webkit-animation-duration:1s;animation-duration:1s;-webkit-animation-delay:calc(var(--animation-order) * 1000ms);animation-delay:calc(var(--animation-order) * 1000ms);-webkit-animation-fill-mode:both;animation-fill-mode:both;-webkit-animation-timing-function:ease-in;animation-timing-function:ease-in;} .DQPFu h1 a{color:#0f62fe;} .DQPFu h1 a:hover{color:#0043ce;} @media (max-width:671px){.DQPFu h1{font-size:20px;line-height:28px;}} /* sc-component-id: LeadspaceCDO2023__LeadspaceShareWrapper-sc-f39f8387-8 */ .pSFCn{max-width:250px;} @media (min-width:672px) and (max-width:1157px){.pSFCn{max-width:310px;}} @media (max-width:671px){.pSFCn{max-width:100%;}} .pSFCn .date{display:none;} .pSFCn .date p{font-size:14px;} @media (max-width:1157px){.pSFCn .date{display:block;}} .pSFCn .ibm-margin-0{margin:0px;}.fUbqzj{max-width:350px;} @media (min-width:672px) and (max-width:1157px){.fUbqzj{max-width:310px;}} @media 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.iLeJZk{padding-top:1.5rem;padding-bottom:initial;} .iLeJZk .salesforce-2023-action-btns .cds--popover-container button{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-box-pack:center;-webkit-justify-content:center;-ms-flex-pack:center;justify-content:center;} @media (max-width:671px){.iLeJZk .salesforce-2023-action-btns .cds--popover-container{display:none;}} .iLeJZk .salesforce-2023-action-btns div a{-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;height:48px;} @media (min-width:430px){.iLeJZk .salesforce-2023-action-btns div a{width:22rem;}} @media (max-width:671px){.iLeJZk .salesforce-2023-action-btns div .cds--btn.cds--btn--tertiary{margin-top:-10px;}} @media (min-width:1056px){.iLeJZk{padding-bottom:4rem;padding-top:3rem;}} @media (max-width:671px){.iLeJZk{padding-bottom:initial;}.iLeJZk .salesforce-2023-action-btns{padding-top:64px;width:100%;}.iLeJZk .salesforce-2023-action-btns div 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sc-component-id: TabPanel__Container-sc-2eed91f9-0 */ .dFXhSX{display:inline-block;width:50%;} @media (min-width:672px){.dFXhSX:first-child{padding-right:2rem;}} /* sc-component-id: TabPanel__DownloadText-sc-2eed91f9-2 */ .jfMUoL{padding-right:0.5rem;} /* sc-component-id: TabPanel__TextContainer-sc-2eed91f9-3 */ .cjEgpw{padding-bottom:2.5rem;line-height:1.375rem;} .cjEgpw:first-child{font-size:1.5rem;line-height:2rem;font-weight:300;} /* sc-component-id: TabPanel__Wrapper-sc-2eed91f9-4 */ .esJfZa{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;} /* sc-component-id: TabPanel__AnimationSVG-sc-2eed91f9-5 */ .cwyfPm{background-color:#f4f4f4;position:relative;overflow:hidden;width:100%;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;} .cwyfPm object{pointer-events:none;} /* sc-component-id: SectionAiDilemma__AccordionWrapper-sc-385812a9-0 */ 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right,#1192e8,#6929c4);-webkit-background-clip:text;-webkit-text-fill-color:unset;font-size:32px;font-weight:300;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:40px;text-indent:-0.5em;padding-right:16px;padding-left:24px;} @media (max-width:671px){.hXpBYl{font-size:28px;line-height:36px;}}.cXBYEP{color:#161616;background:linear-gradient(to right,#1192e8,#6929c4);-webkit-background-clip:text;-webkit-text-fill-color:transparent;font-size:54px;font-weight:300;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:64px;text-indent:-0.5em;padding-right:16px;padding-left:24px;} @media (max-width:671px){.cXBYEP{font-size:32px;line-height:40px;}} /* sc-component-id: SectionQuote__AuthorDiv-sc-cc935c35-2 */ .kSYbIr{color:#161616;font-size:16px;font-weight:600;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:22px;padding-top:16px;padding-left:24px;}.haIpRZ{color:#161616;font-size:20px;font-weight:600;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:28px;padding-top:16px;padding-left:24px;} /* sc-component-id: SectionQuote__DescDiv-sc-cc935c35-3 */ .dwCYTU{color:#161616;font-size:16px;font-weight:600;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:22px;padding-top:16px;padding-left:24px;font-weight:300;padding-top:0px;font-size:16px;line-height:22px;}.gNoIie{color:#161616;font-size:20px;font-weight:600;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:28px;padding-top:16px;padding-left:24px;font-weight:300;padding-top:0px;font-size:20px;line-height:28px;} /* sc-component-id: 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.lmxoXj{content:url(/thought-leadership/institute-business-value/public/static/images/C-Suite/2023-ceo/2023-CEO-Report-Mockup.png);margin-top:75px;width:100%;} @media (min-width:671px) and (max-width:1055px){.lmxoXj{max-width:288px;max-height:288px;}} @media (min-width:1055px){.lmxoXj{max-width:352px;max-height:352px;}}.cwATYg{content:url(/thought-leadership/institute-business-value/public/static/images/C-Suite/2023-ceo/jp/023-CEO-Report-Mockup_J.png);margin-top:75px;width:100%;} @media (min-width:671px) and (max-width:1055px){.cwATYg{max-width:288px;max-height:288px;}} @media (min-width:1055px){.cwATYg{max-width:352px;max-height:352px;}} /* sc-component-id: SectionDownloadButtonBar__ContainerBottomFooterDiv-sc-e080a58b-2 */ @media (min-width:672px) and (max-width:1055px){.fGAISv{-webkit-flex-wrap:unset;-ms-flex-wrap:unset;flex-wrap:unset;}.fGAISv .LMRSpaceDiv{display:none;}} .fGAISv .footer-content-block{padding:0;} .fGAISv .footer-content-block .footer-content{margin:75px 0px 10px 0;} @media (max-width:1055px){.fGAISv .footer-content-block .footer-content{margin-left:32px;}} @media (max-width:671px){.fGAISv .footer-content-block .footer-content{margin:40px 40px 10px 16px;}} .fGAISv .footer-content-block .footer-content .content-heading{font-size:32px;line-height:40px;font-weight:300;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;color:#0072c3;} @media (max-width:671px){.fGAISv .footer-content-block .footer-content .content-heading{font-size:28px;font-weight:300;line-height:32px;}} .fGAISv .footer-content-block .footer-content .content-button-group{margin-top:48px;} @media (max-width:671px){.fGAISv .footer-content-block .footer-content .content-button-group{font-size:20px;margin-top:40px;}.fGAISv .footer-content-block .footer-content .content-button-group .button-primary,.fGAISv .footer-content-block .footer-content .content-button-group .button-secondary{display:block;padding:0 0 16px 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(max-width:768px){.eiMchh{padding-left:0px;}.eiMchh .SectionIntroDownloadImage{position:unset;}} /* sc-component-id: SectionLeadershipChallenge__MainDiv-sc-f7c31eb9-2 */ .jeeWmH{position:relative;font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;background-color:unset;} @media (max-width:1157px){.jeeWmH .ibm-pt-8{padding-top:16px !important;}} .jeeWmH .video-spacer{display:none;} @media (max-width:1157px){.jeeWmH .video-spacer{display:initial;}} @media (max-width:1157px){.jeeWmH .main-percentage-container{display:none;}.jeeWmH .percent-spacer{max-width:12.5%;-webkit-flex-basis:12.5%;-ms-flex-preferred-size:12.5%;flex-basis:12.5%;margin-left:0;}.jeeWmH .percent-content{max-width:75%;-webkit-flex-basis:75%;-ms-flex-preferred-size:75%;flex-basis:75%;margin-left:0;}} /* sc-component-id: SectionLeadershipChallenge__DownloadImage-sc-f7c31eb9-3 */ 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.cds--table-sort__flex{-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;height:100%;-webkit-box-pack:justify;-webkit-justify-content:space-between;-ms-flex-pack:justify;justify-content:space-between;min-height:3rem;width:100%;} .jkHcvV .cds--table-header-label{min-width:65px;font-size:16px;} /* sc-component-id: reports__StyledButton-sc-ffa50d50-4 */ .kpbXOq{height:3rem;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;} /* sc-component-id: reports__StyledTableCell-sc-ffa50d50-5 */ .kdqkTU{min-width:350px;} .kdqkTU > *{margin-right:0.5rem;} /* sc-component-id: reports__StyledBreadcrumb-sc-ffa50d50-6 */ .kstYaw ol,.kstYaw ul{padding:unset !important;} .kstYaw ol > li::before,.kstYaw ul > li::before{content:none !important;} .kstYaw ol > li,.kstYaw ul > li{padding-left:unset !important;} /* sc-component-id: reports__ButtonDiv-sc-ffa50d50-7 */ .dWQBbr{font-size:inherit;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;} .dWQBbr > a{width:57px;} /* sc-component-id: DraggableList__Box-sc-7d503828-0 */ .xFlFd{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;} /* sc-component-id: DraggableList__SortableListItem-sc-7d503828-1 */ .hutwBw{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;padding:0.5rem;opacity:0.9;border-top:0.5px solid #ccc;border-bottom:0.5px solid #ccc;font-size:0.875rem;} .hutwBw a{margin-left:auto;} .hutwBw:hover{cursor:pointer;opacity:1;} /* sc-component-id: InfiniteFilterableMultiSelectDropdown__Label-sc-5b3e4888-0 */ .rcMAB{-webkit-flex:1 1 auto;-ms-flex:1 1 auto;flex:1 1 auto;margin-bottom:1rem;} /* sc-component-id: InfiniteFilterableMultiSelectDropdown__InputWrap-sc-5b3e4888-1 */ .gXIujR{width:100% !important;} .gXIujR .cds--list-box__menu li:nth-child(1){height:40px !important;} .gXIujR .cds--list-box__menu-item{padding-left:0;padding-top:0;} .gXIujR .cds--list-box__menu-item::before{display:none;} .gXIujR .cds--list-box__menu-icon{margin-top:0;} .gXIujR .cds--tag__close-icon{margin-top:0;} .gXIujR .cds--list-box__selection{margin-top:0;} /* sc-component-id: InfiniteFilterableMultiSelectDropdown__Box-sc-5b3e4888-2 */ .dvrQoU{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;-webkit-flex:1 1 auto !important;-ms-flex:1 1 auto !important;flex:1 1 auto !important;} .dvrQoU .cds--list-box__menu{z-index:800;} .dvrQoU .cds--list-box__menu .cds--list-box__menu-item__option{font-size:0.875rem;} .dvrQoU .cds--text-input::-webkit-input-placeholder{color:#a8a8a8;} .dvrQoU .cds--text-input::-moz-placeholder{color:#a8a8a8;} .dvrQoU .cds--text-input:-ms-input-placeholder{color:#a8a8a8;} .dvrQoU .cds--text-input::placeholder{color:#a8a8a8;} /* sc-component-id: InfiniteFilterableSelect__Label-sc-ee75271a-0 */ .bxQgwY{-webkit-flex:1 1 auto;-ms-flex:1 1 auto;flex:1 1 auto;margin-bottom:1rem;} /* sc-component-id: InfiniteFilterableSelect__InputWrap-sc-ee75271a-1 */ .FLrjj{width:100% !important;} .FLrjj .cds--list-box__menu li:nth-child(1){height:40px !important;} .FLrjj .cds--list-box__menu-item{padding-left:0;padding-top:0;} .FLrjj .cds--list-box__menu-item::before{display:none;} .FLrjj .cds--list-box__menu-icon{margin-top:0;} .FLrjj .cds--tag__close-icon{margin-top:0;} .FLrjj .cds--list-box__selection{margin-top:0;} /* sc-component-id: InfiniteFilterableSelect__Box-sc-ee75271a-2 */ .ealhhR{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;-webkit-flex:1 1 auto !important;-ms-flex:1 1 auto !important;flex:1 1 auto !important;} .ealhhR .cds--list-box__menu{z-index:800;} .ealhhR .cds--list-box__menu .cds--list-box__menu-item__option{font-size:0.875rem;} .ealhhR .cds--text-input::-webkit-input-placeholder{color:#a8a8a8;} .ealhhR .cds--text-input::-moz-placeholder{color:#a8a8a8;} .ealhhR .cds--text-input:-ms-input-placeholder{color:#a8a8a8;} .ealhhR .cds--text-input::placeholder{color:#a8a8a8;} /* sc-component-id: InfiniteFilterableSelect__Items-sc-ee75271a-3 */ .OZOlo{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;} .OZOlo a{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;padding:0.5rem;opacity:0.9;border-top:0.5px solid #ccc;border-bottom:0.5px solid #ccc;font-size:0.875rem;} .OZOlo a:hover{cursor:pointer;opacity:1;} /* sc-component-id: FilterableSelect__Label-sc-5bdd83db-0 */ .cGbKaO{-webkit-flex:1 1 auto;-ms-flex:1 1 auto;flex:1 1 auto;margin-bottom:1rem;} /* sc-component-id: FilterableSelect__InputWrap-sc-5bdd83db-1 */ .djZYTS{width:100% !important;} .djZYTS .cds--list-box__menu li:nth-child(1){height:40px !important;} .djZYTS .cds--list-box__menu-item{padding-left:0;padding-top:0;} .djZYTS .cds--list-box__menu-item::before{display:none;} .djZYTS .cds--list-box__menu-icon{margin-top:0;} .djZYTS .cds--tag__close-icon{margin-top:0;} .djZYTS .cds--list-box__selection{margin-top:0;} /* sc-component-id: FilterableSelect__Box-sc-5bdd83db-2 */ .iDCkLJ{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;-webkit-flex:1 1 auto !important;-ms-flex:1 1 auto !important;flex:1 1 auto !important;} .iDCkLJ .cds--list-box__menu{z-index:800;} .iDCkLJ .cds--list-box__menu .cds--list-box__menu-item__option{font-size:0.875rem;} .iDCkLJ .cds--text-input::-webkit-input-placeholder{color:#a8a8a8;} .iDCkLJ .cds--text-input::-moz-placeholder{color:#a8a8a8;} .iDCkLJ .cds--text-input:-ms-input-placeholder{color:#a8a8a8;} .iDCkLJ .cds--text-input::placeholder{color:#a8a8a8;} /* sc-component-id: FilterableSelect__Items-sc-5bdd83db-3 */ .byehRB{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;} .byehRB a{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;padding:0.5rem;opacity:0.9;border-top:0.5px solid #ccc;border-bottom:0.5px solid #ccc;font-size:0.875rem;} .byehRB a:hover{cursor:pointer;opacity:1;} /* sc-component-id: Content__StyledForm-sc-65698e14-0 */ .hnzkDb > *{margin-bottom:1rem;} .hnzkDb .cds--form-item > .cds--select > .cds--select-input__wrapper > .cds--select__arrow{display:none;} .hnzkDb .ck table{line-height:1.5rem;} .hnzkDb .ck .ck-powered-by{display:none !important;} .hnzkDb .ck .ck-image-insert-form .ck-labeled-field-view_focused .ck-labeled-field-view__input-wrapper .ck-label,.hnzkDb .ck .ck-media-form .ck-labeled-field-view_focused .ck-labeled-field-view__input-wrapper .ck-label{top:0px;} .hnzkDb .ck .ck-sticky-panel .ck-sticky-panel__content_sticky{-webkit-transition:margin 500ms;transition:margin 500ms;margin-top:50px;display:unset;} .hnzkDb .ck li::marker{content:none;} .hnzkDb .ck .ck-dropdown div ul li::before{display:none;} /* sc-component-id: Content__BoxWithButton-sc-65698e14-1 */ .lgJFNA{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;margin-bottom:1rem;} .lgJFNA *:first-child{-webkit-align-self:left;-ms-flex-item-align:left;align-self:left;} .lgJFNA *:last-child{-webkit-align-self:right;-ms-flex-item-align:right;align-self:right;} .lgJFNA button{margin-top:2rem;} .lgJFNA > div{width:100%;} /* sc-component-id: Content__HeaderCheckBoxDiv-sc-65698e14-2 */ .iivaWt{margin-bottom:unset;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:row;-ms-flex-direction:row;flex-direction:row;-webkit-flex-wrap:wrap;-ms-flex-wrap:wrap;flex-wrap:wrap;-webkit-box-pack:justify;-webkit-justify-content:space-between;-ms-flex-pack:justify;justify-content:space-between;-webkit-align-items:baseline;-webkit-box-align:baseline;-ms-flex-align:baseline;align-items:baseline;} .iivaWt .cds--form-item{-webkit-flex:0 1 auto;-ms-flex:0 1 auto;flex:0 1 auto;} /* sc-component-id: CroppedImage__Image-sc-12dfb68a-0 */ .epwKJm{width:200px !important;height:200px !important;opacity:0.9;} .epwKJm:hover{opacity:1;} /* sc-component-id: DynamicAdminVideoUpload__VideoUploadAreaDiv-sc-df343fd-0 */ .hWdJYZ{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;} /* sc-component-id: DynamicAdminVideoUpload__VideoUpload-sc-df343fd-1 */ .gOcyQD{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;margin-bottom:1rem;} /* sc-component-id: DynamicAdminVideoUpload__CheckboxWithTooltipDiv-sc-df343fd-2 */ .gbSCpe{display:-webkit-inline-box;display:-webkit-inline-flex;display:-ms-inline-flexbox;display:inline-flex;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;} /* sc-component-id: DynamicAdminVideoUpload__Information16TooltipDiv-sc-df343fd-3 */ .fzcKDb{padding:8px 8px 6px 8px;} /* sc-component-id: Sidebar__Wrap-sc-fa2dbe06-0 */ .biHCso > *{margin-bottom:1rem;} /* sc-component-id: Sidebar__Box-sc-fa2dbe06-1 */ .eZwOYw{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;margin-bottom:1rem;} .eZwOYw *:first-child{-webkit-align-self:left;-ms-flex-item-align:left;align-self:left;} .eZwOYw *:last-child{-webkit-align-self:right;-ms-flex-item-align:right;align-self:right;} .eZwOYw button{margin-top:2rem;} /* sc-component-id: Sidebar__ImageUpload-sc-fa2dbe06-2 */ .kFmKKa{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;margin-bottom:1rem;} /* sc-component-id: Sidebar__BoxWithoutButton-sc-fa2dbe06-3 */ .iYraqj{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;} /* sc-component-id: report__Main-sc-c270fa8-0 */ .hHjAkf{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;max-width:70rem;text-align:left;margin:0 auto;padding:4rem 2rem;} /* sc-component-id: report__Wrap-sc-c270fa8-1 */ .cqPuFi{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:row;-ms-flex-direction:row;flex-direction:row;} /* sc-component-id: report__Content-sc-c270fa8-2 */ .emexlm{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex:1 1 auto;-ms-flex:1 1 auto;flex:1 1 auto;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;} /* sc-component-id: report__Sidebar-sc-c270fa8-3 */ .bulTZr{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;margin-left:1rem;-webkit-flex:0 1 20rem;-ms-flex:0 1 20rem;flex:0 1 20rem;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;} /* sc-component-id: report__Header-sc-c270fa8-4 */ .kEduJV{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;} .kEduJV button{margin-left:auto;margin-bottom:1rem;cursor:pointer;max-width:10rem;} .kEduJV div[class*='inline-notification']{max-width:52%;} @media (min-width:725px){.kEduJV div[class*='inline-notification']{max-width:55%;}} @media (min-width:1001px){.kEduJV div[class*='inline-notification']{max-width:60%;}} @media (min-width:1116px){.kEduJV div[class*='inline-notification']{max-width:65%;}} /* sc-component-id: report__Buttons-sc-c270fa8-5 */ .elBmrN{margin-left:auto;} .elBmrN > *{margin-left:1rem !important;} .elBmrN > *:first-child{margin-left:0 !important;} .elBmrN .cds--btn--secondary{max-width:unset;} /* sc-component-id: report__StyledBreadcrumb-sc-c270fa8-7 */ .jUwomD ol,.jUwomD ul{padding:unset !important;} .jUwomD ol > li::before,.jUwomD ul > li::before{content:none !important;} .jUwomD ol > li,.jUwomD ul > li{padding-left:unset !important;} /* sc-component-id: Leadspace4CFO__VideoDiv-sc-b2cd4a86-0 */ @media (max-width:671px){.bqjQqc{margin-left:-16px;margin-right:-16px;padding:0px;}} /* sc-component-id: Leadspace4CFO__BriefVideoWrapper-sc-b2cd4a86-1 */ .eeDXgY{width:100%;margin-top:200px;margin-left:-150px;position:relative;} @media (max-width:1055px){.eeDXgY{margin-top:0px;width:100%;margin-left:0px;}} /* sc-component-id: Leadspace4CFO__MobileHeaderDiv-sc-b2cd4a86-2 */ @media (max-width:671px){.keZExp{background-color:rgba(220,220,220,0.5);display:none;}} /* sc-component-id: 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a{color:#171717;}}.kNmrWz{background-image:url('/thought-leadership/institute-business-value/uploads/en/small_2021_CFO_Leadspace_Static_Image_c289288912_fb5953ef85');background-position:center 0%;background-size:cover;background-repeat:no-repeat;position:relative;min-height:525px;color:#171717 !important;} .kNmrWz a{color:#ffffff;} @media (max-width:671px){.kNmrWz{background:none !important;min-height:unset !important;color:#171717 !important;}.kNmrWz a{color:#171717;}} /* sc-component-id: Leadspace4CFO__TextWrap-sc-b2cd4a86-8 */ .RhsfT{position:relative;z-index:1;} @media (max-width:671px){.RhsfT > div > h1{color:#000000 !important;}} @media (max-width:671px){.RhsfT > div > h2{color:#000000 !important;}} @media (max-width:671px){.RhsfT > div > p{color:#000000 !important;max-width:100% !important;}} /* sc-component-id: Leadspace4CFO__CustomDownloadBtnDiv-sc-b2cd4a86-9 */ @media (max-width:672px){.kGcBUR{display:none !important;}} .kGcBUR #fullReportBoxMedium .button-primary{margin-bottom:10px;} /* sc-component-id: Leadspace4CFO__TitleOnMobileImageDiv-sc-b2cd4a86-12 */ .fZRMaX{padding-top:70%;padding-right:16px;padding-left:16px;color:#ffffff;font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-size:42px;font-weight:500;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:42px;} @media (max-width:671px){.fZRMaX{padding-right:32px;padding-left:32px;padding-top:65%;}} @media (max-width:500px){.fZRMaX{padding-top:75%;}} @media (max-width:400px){.fZRMaX{padding-top:85%;}} /* sc-component-id: Leadspace4CFO__DescriptionOnMobileImageDiv-sc-b2cd4a86-13 */ .bYwWPV{padding-top:21px;padding-right:16px;padding-left:16px;color:#f3f3f3;font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-size:14px;font-weight:500;-webkit-letter-spacing:0.16px;-moz-letter-spacing:0.16px;-ms-letter-spacing:0.16px;letter-spacing:0.16px;line-height:20px;} @media (max-width:671px){.bYwWPV{padding-right:32px;padding-left:32px;}} /* sc-component-id: Leadspace4CFO__ContentDiv-sc-b2cd4a86-14 */ .ckYixk{padding-top:56px !important;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:row;-ms-flex-direction:row;flex-direction:row;} @media (max-width:671px){.ckYixk{padding-top:0px !important;-webkit-flex-direction:column-reverse;-ms-flex-direction:column-reverse;flex-direction:column-reverse;}} /* sc-component-id: Leadspace4CFO__SectionIntro-sc-b2cd4a86-15 */ .gwxqRC{background-color:#ffffff;padding:40px 200px 26px 114px;} @media (max-width:671px){.gwxqRC{padding:80px 14px 0px;}} /* sc-component-id: Leadspace4CFO__IntroSectionTitleDesktop-sc-b2cd4a86-16 */ .cPheDs{margin:40px 0px;font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-size:28px;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:36px;} /* sc-component-id: 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.button-secondary{display:-webkit-inline-box;display:-webkit-inline-flex;display:-ms-inline-flexbox;display:inline-flex;-webkit-flex-direction:row;-ms-flex-direction:row;flex-direction:row;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;-webkit-box-pack:justify;-webkit-justify-content:space-between;-ms-flex-pack:justify;justify-content:space-between;width:25rem;} .gjUZSD .button-group .button-primary i,.gjUZSD .button-group .button-secondary i{margin:0;} /* sc-component-id: SectionHeader4CIO__DownloadButtunBarDiv-sc-7cc77092-9 */ .jQGyDv{display:none;} @media (max-width:1055px){.jQGyDv{display:block;}} /* sc-component-id: SectionHeader4CIO__CustomDownloadBtnDiv-sc-7cc77092-10 */ @media (max-width:672px){.eEPVLn{display:none !important;}} .eEPVLn a{font-weight:400;} /* sc-component-id: SectionHeader4CIO__SectionIntro-sc-7cc77092-11 */ .bAYkgF{min-height:800px;background-color:#ffffff;padding:40px 200px 26px 114px;} .bAYkgF p{font-size:16px;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:24px;} @media (max-width:671px){.bAYkgF{padding:0px 28px;}} /* sc-component-id: SectionHeader4CIO__IntroSectionTitleDesktop-sc-7cc77092-12 */ .lobyIo{margin:40px 0px;font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-size:28px;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:36px;} /* sc-component-id: SectionHeader4CIO__RenderSharePC-sc-7cc77092-13 */ .dwXNuc{display:inline-block;width:50%;padding-left:0px;} .dwXNuc div{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;} /* sc-component-id: SectionHeader4CIO__RenderBookmarkPC-sc-7cc77092-14 */ .cyBPrp{display:inline-block;width:50%;padding-right:0px;} .cyBPrp div:first-child{height:2px;} .cyBPrp div:last-child{margin-right:0px;} /* sc-component-id: SectionHeader4CIO__VideoDiv-sc-7cc77092-15 */ @media (max-width:671px){.gCjxKJ{margin-left:-16px;margin-right:-16px;padding:0px;}} /* sc-component-id: SectionHeader4CIO__BriefVideoWrapper-sc-7cc77092-16 */ .kIGYuL{width:100%;margin-top:250px;margin-left:-150px;position:relative;} @media (max-width:671px){.kIGYuL{margin-top:0px;}} @media (max-width:1055px){.kIGYuL{margin-top:0px;width:100%;margin-left:0px;}} /* sc-component-id: SectionHeader4CIO__ContentDiv-sc-7cc77092-17 */ .cajsDs{padding-top:56px !important;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:row;-ms-flex-direction:row;flex-direction:row;} @media (max-width:671px){.cajsDs{-webkit-flex-direction:column-reverse;-ms-flex-direction:column-reverse;flex-direction:column-reverse;}} /* sc-component-id: SectionChart__SectionChartContainer-sc-e2ffb546-0 */ .TWvxW{padding-top:16px;padding-right:0;padding-bottom:0;padding-left:0;} .TWvxW div:last-child{border-bottom:none;padding-bottom:4px;} /* sc-component-id: SectionChart__Title-sc-e2ffb546-1 */ .jfOHhD{color:#191918;font-size:16px;font-weight:bold;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:24px;} /* sc-component-id: SectionChart__Item-sc-e2ffb546-2 */ .eSTgXL{border-bottom:1px solid #c6c6c6;padding-top:8px;padding-right:0;padding-bottom:8px;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;} /* sc-component-id: SectionChart__ItemNumber-sc-e2ffb546-3 */ .egenPR{display:inline-block;color:#8a3ffc;font-size:42px;font-weight:bold;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:50px;margin-right:20px;min-width:90px;} /* sc-component-id: SectionChart__ItemText-sc-e2ffb546-4 */ .hMymLQ{overflow:inherit;vertical-align:middle;color:#191918;font-size:16px;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;padding-top:10px;padding-bottom:10px;}.cvdCcz{overflow:inherit;vertical-align:middle;color:#191918;font-size:16px;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;padding-top:20px;padding-bottom:10px;} /* sc-component-id: ActionPlanContainer__MainText-sc-911314ac-0 */ .rDjTY{color:#191918;font-size:16px;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:24px;} /* sc-component-id: ActionPlanContainer__Placeholder-sc-911314ac-2 */ @media (max-width:672px){.dDmMfZ{display:none !important;}} /* sc-component-id: ActionPlanContainer__ContainerMain-sc-911314ac-4 */ .fPWmPT{position:relative;} /* sc-component-id: ActionPlanContainer__Container-sc-911314ac-5 */ .iAvpYl{padding-bottom:78px;} .iAvpYl .container-common-text{font-size:16px;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:24px;margin-bottom:1em;} /* sc-component-id: ActionPlanContainer__MainSubHeaderParent-sc-911314ac-6 */ .lgmRJZ{position:relative;} /* sc-component-id: ActionPlanContainer__MainHeader-sc-911314ac-7 */ .fldNzv{color:#161616;font-size:28px;line-height:36px;position:absolute;top:0;white-space:break-spaces;padding:31.5px 0;border-left:none;border-right:none;margin-left:16px;} @media (max-width:672px){.fldNzv{margin-left:-16px;padding-left:32px;padding-right:32px;position:relative;white-space:break-spaces;}} @media (max-width:320px){.fldNzv{margin-left:0;padding-left:16px;padding-right:16px;width:100% !important;border:1px solid #8a3ffc;border-left:none;border-right:none;}} /* sc-component-id: ActionPlanContainer__MainBody-sc-911314ac-9 */ .dZPlOK{margin-top:143px;margin-bottom:40px;color:#191918;font-size:16px;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:24px;} @media (max-width:672px){.dZPlOK{margin-top:40px !important;}} /* sc-component-id: ActionPlanContainer__MainFooter-sc-911314ac-10 */ .iGEyyP{padding-top:9px;} /* sc-component-id: ActionPlanContainer__Transparent-sc-911314ac-11 */ .gQiOCC{margin-bottom:79.5px;} @media (max-width:672px){.gQiOCC{margin-bottom:37.5px !important;}} .gQiOCC img{width:100%;} /* sc-component-id: ActionPlanContainer__TextContainer-sc-911314ac-12 */ .dIGbtI{position:absolute;top:80px;right:112px;width:35%;} @media (min-width:320px) and (max-width:671px){.dIGbtI{left:0;top:45%;margin-left:24px;width:auto;right:19px;}} @media (max-width:320px){.dIGbtI{left:0;top:45%;margin-left:24px;width:auto;right:19px;}} @media (min-width:672px) and (max-width:774px){.dIGbtI{top:20px;width:50%;right:32px;}} @media (min-width:775px) and (max-width:900px){.dIGbtI{top:40px;width:50%;right:62px;}} @media (min-width:901px) and (max-width:1130px){.dIGbtI{top:40px;width:40%;}} /* sc-component-id: ActionPlanContainer__BannerContainer-sc-911314ac-13 */ .hqxXve{position:relative;} /* sc-component-id: ActionPlanContainer__Title-sc-911314ac-14 */ .goZeSw{color:#f4f4f4;font-size:2.1rem;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:40px;margin-bottom:26px;} @media (min-width:320px) and (max-width:671px){.goZeSw{width:auto;}} @media (max-width:320px){.goZeSw{font-size:1.75rem;line-height:36px;}} @media (min-width:672px) and (max-width:774px){.goZeSw{font-size:1.45rem;line-height:28px;padding-left:40px;marging-bottom:20px;}} @media (min-width:775px) and (max-width:900px){.goZeSw{font-size:1.55rem;line-height:30px;padding-left:80px;}} @media (min-width:901px) and (max-width:1130px){.goZeSw{font-size:1.75rem;padding-left:80px;line-height:32px;}} @media (min-width:1313px) and (max-width:1550px){.goZeSw{font-size:2.15rem;line-height:46px;margin-bottom:30px;}} @media (min-width:1551px) and (max-width:1650px){.goZeSw{font-size:2.45rem;line-height:50px;margin-bottom:36px;}} @media (min-width:1651px) and (max-width:1750px){.goZeSw{font-size:2.65rem;line-height:52px;margin-bottom:38px;}} @media (min-width:1751px){.goZeSw{font-size:2.85rem;line-height:56px;margin-bottom:40px;}} /* sc-component-id: ActionPlanContainer__Paragraph-sc-911314ac-15 */ .BPaQi{color:#ffffff;font-size:1.25rem;font-weight:500;line-height:22px;margin-bottom:7px;padding-right:90px;} @media (min-width:320px) and (max-width:671px){.BPaQi{width:auto;padding-right:0px;}} @media (max-width:320px){.BPaQi{font-size:1.1rem;line-height:24px;padding-right:10%;}} @media (min-width:672px) and (max-width:774px){.BPaQi{font-size:1rem;line-height:20px;padding-left:40px;padding-right:10%;}} @media (min-width:775px) and (max-width:900px){.BPaQi{font-size:1.05rem;line-height:20px;padding-left:80px;padding-right:10%;}} @media (min-width:901px) and (max-width:1130px){.BPaQi{font-size:1.15rem;padding-left:80px;padding-right:10%;}} @media (min-width:1313px) and (max-width:1550px){.BPaQi{font-size:1.25rem;line-height:28px;}} @media (min-width:1551px) and (max-width:1650px){.BPaQi{font-size:1.45rem;line-height:30px;}} @media (min-width:1651px) and (max-width:1750px){.BPaQi{font-size:1.55rem;line-height:32px;}} @media (min-width:1751px){.BPaQi{font-size:1.65rem;line-height:34px;}} /* sc-component-id: ActionPlanContainerCollections__InsertSection-sc-1d19d8ae-0 */ .dVLWhp{margin:39.5px 0;} .dVLWhp .borderClass{border:2px solid #78a9ff;border-left:none;border-right:none;} .dVLWhp .borderClassTopOnly{border-top:2px solid #8a3ffc;} .dVLWhp .borderClassTopOnly:first-of-type{border-top:none;} @media (min-width:320px) and (max-width:671px){.dVLWhp .borderClassTopOnly:first-of-type{border:none;}} .dVLWhp .ibm-grid-container{margin:0 !important;} .dVLWhp .insertSection{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;margin:40px -16px !important;} .dVLWhp .insertSection-icon{text-align:center;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;-webkit-box-pack:center;-webkit-justify-content:center;-ms-flex-pack:center;justify-content:center;} .dVLWhp .insertSection-border-left{border-left:1px solid #8d8d8d;} .dVLWhp .insertSection-border-top{border-top:1px solid #8d8d8d;margin-top:20px;padding-top:20px;} .dVLWhp .insertSection-text-header{color:#0f62fe;font-size:54px;font-weight:300;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:64px;} .dVLWhp .gray{color:#8d8d8d;} .dVLWhp .insertSection-text-intro{color:#191918;font-size:16px;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:24px;} /* sc-component-id: ActionPlanContainerCollections__InsertSectionComplexTextHeader-sc-1d19d8ae-2 */ .hONBqR{color:#8a3ffc;font-family:'IBM Plex Sans';font-size:20px;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:26px;} /* sc-component-id: ActionPlanContainerCollections__InsertSectionComplexTextIntro-sc-1d19d8ae-3 */ .hUrWeQ{color:#191918;font-size:16px;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:24px;} /* sc-component-id: ActionPlanContainerCollections__InsertSectionComplex-sc-1d19d8ae-4 */ .kpMrfI{margin-bottom:-39.5px;margin-left:25px;} @media (max-width:320px){.kpMrfI{border-top:none !important;}} /* sc-component-id: ActionPlanContainerCollections__InsertSectionComplexListWithIcon-sc-1d19d8ae-6 */ .jdhSKF{padding:40px 0px 65px !important;margin-left:32px;} /* sc-component-id: ActionPlanContainerCollections__InsertSectionComplexIcon-sc-1d19d8ae-7 */ .dFalOH{margin-left:20px;} @media (min-width:320px) and (max-width:671px){.dFalOH{margin:40px 0 0;text-align:center;}.dFalOH img{margin:0;}} /* sc-component-id: ActionPlanContainerCollections__ActionItemIcon-sc-1d19d8ae-8 */ .gbsVSO{margin:40px 0px;} /* sc-component-id: BannerContainer__Container-sc-6e62dae-1 */ .jLXwHu .container-common-text{font-size:16px;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:24px;margin-bottom:1em;} /* sc-component-id: BannerContainer__Transparent-sc-6e62dae-2 */ @media (max-width:672px){} .dtnqiu img{width:100%;} /* sc-component-id: BannerContainer__TextContainer-sc-6e62dae-3 */ .iZBjAW{position:absolute;top:80px;right:117px;width:37%;} @media (min-width:320px) and (max-width:671px){.iZBjAW{left:0;top:50%;margin-left:24px;right:37px;width:auto;}} @media (max-width:320px){.iZBjAW{left:0;top:50%;margin-left:24px;right:19px;width:auto;}} @media (min-width:671px) and (max-width:749px){.iZBjAW{left:0;top:20%;margin-left:50%;right:37px;}} @media (min-width:750px) and (max-width:949px){.iZBjAW{margin-left:40%;top:20%;}} /* sc-component-id: BannerContainer__BannerContainer1-sc-6e62dae-4 */ .iEEroB{position:relative;} /* sc-component-id: BannerContainer__Text-sc-6e62dae-5 */ .elsBYN{color:#f4f4f4;font-size:1.85rem;font-style:italic;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:36px;margin-bottom:24px;} @media (min-width:320px) and (max-width:671px){.elsBYN{width:auto;}} @media (max-width:320px){.elsBYN{font-size:1.8rem;}} @media (min-width:671px) and (max-width:749px){.elsBYN{line-height:20px;font-size:1.3rem;margin-bottom:8px;}} @media (min-width:750px) and (max-width:949px){.elsBYN{line-height:25px;font-size:1.4rem;margin-bottom:8px;}} @media (min-width:950px) and (max-width:1160px){.elsBYN{font-size:1.5rem;margin-bottom:8px;}} @media (min-width:1313px) and (max-width:1550px){.elsBYN{font-size:2rem;margin-bottom:28px;line-height:40px;}} @media (min-width:1551px) and (max-width:1650px){.elsBYN{font-size:2.2rem;margin-bottom:32px;line-height:44px;}} @media (min-width:1651px) and (max-width:1750px){.elsBYN{font-size:2.4rem;margin-bottom:34px;line-height:46px;}} @media (min-width:1751px){.elsBYN{font-size:2.6rem;margin-bottom:36px;line-height:50px;}} /* sc-component-id: BannerContainer__Author-sc-6e62dae-6 */ .cBUkfd{height:24px;color:#ffffff;font-size:1.1rem;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:24px;} @media (min-width:320px) and (max-width:671px){.cBUkfd{width:auto;font-size:0.9rem;}} @media (max-width:320px){.cBUkfd{font-size:1.1rem;}} @media (min-width:671px) and (max-width:749px){.cBUkfd{font-size:0.8rem;}} @media (min-width:750px) and (max-width:949px){.cBUkfd{font-size:1rem;}} @media (min-width:950px) and (max-width:1160px){.cBUkfd{font-size:1rem;}} @media (min-width:1313px) and (max-width:1550px){.cBUkfd{font-size:1.2rem;}} @media (min-width:1551px) and (max-width:1650px){.cBUkfd{font-size:1.3rem;}} @media (min-width:1651px) and (max-width:1750px){.cBUkfd{font-size:1.4rem;}} @media (min-width:1751px){.cBUkfd{font-size:1.5rem;}} /* sc-component-id: Section2Accordion1__MainDiv-sc-9022ede4-0 */ .fmEKxH * > a{cursor:pointer;} /* sc-component-id: Section2Accordion1__ChartData-sc-9022ede4-1 */ .fvVyWN{width:37%;right:-20%;display:block;float:right;margin:0px 0 0 -10%;position:relative;min-width:235px;} @media (min-width:672px) and (max-width:1056px){.fvVyWN{width:500px;right:-245px;margin:0px 0px 0px -200px;}} @media (max-width:672px){.fvVyWN{float:none;margin:0;right:0;width:100%;}} /* sc-component-id: Section2Accordion1__AccordionOuterDiv-sc-9022ede4-2 */ .XSGGA ul{padding-bottom:0px;} .XSGGA ul li{padding-left:unset;} .XSGGA ul li::before{content:unset;} .XSGGA .cds--accordion__item{margin-left:-12px;margin-right:-12px;border-top:1px solid rgb(190,190,190);} .XSGGA .cds--accordion__item:last-child{border-bottom:none;} .XSGGA .cds--accordion__item .cds--accordion__heading{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;height:90px;} @media (max-width:400px){.XSGGA .cds--accordion__item .cds--accordion__heading{height:132px;}} .XSGGA .cds--accordion__item .cds--accordion__heading:focus{border:unset;box-shadow:unset;} .XSGGA .cds--accordion__item .cds--accordion__heading:hover{background-color:unset;} .XSGGA .cds--accordion__item .cds--accordion__heading .cds--accordion__arrow{fill:#8a3ffc;-webkit-transform:rotate(90deg) scale(2);-ms-transform:rotate(90deg) scale(2);transform:rotate(90deg) scale(2);margin-right:12px;} .XSGGA .cds--accordion__item .cds--accordion__heading .cds--accordion__title{font-weight:400;font-size:20px;line-height:28px;color:#8a3ffc;} .XSGGA .cds--accordion__item .cds--accordion__content{padding-right:unset;} .XSGGA .cds--accordion__item--active > .cds--accordion__heading > .cds--accordion__arrow{-webkit-transform:rotate(-90deg) scale(2);-ms-transform:rotate(-90deg) scale(2);transform:rotate(-90deg) scale(2);} /* sc-component-id: Section2Accordion1__AccordionContentWrapper-sc-9022ede4-4 */ .feRZZY{padding-top:15px； padding-bottom:0px；;} /* sc-component-id: Section2Accordion1__ImageDesktop-sc-9022ede4-5 */ .ilWJVE{width:100%;} @media (max-width:1055px){.ilWJVE{display:none;}} /* sc-component-id: Section2Accordion1__ImageMobile-sc-9022ede4-6 */ .hqUHyq{width:100%;} @media (min-width:1055px){.hqUHyq{display:none;}} /* sc-component-id: Section2Accordion2__MainDiv-sc-510dbdc8-0 */ .khNqqx * > a{cursor:pointer;} /* sc-component-id: Section2Accordion2__ChartData-sc-510dbdc8-1 */ .dJLbXz{width:37%;right:-20%;display:block;float:right;margin:0px 0 0 -10%;position:relative;min-width:235px;} @media (min-width:672px) and (max-width:1056px){.dJLbXz{width:500px;right:-245px;margin:0px 0px 0px -200px;}} @media (max-width:672px){.dJLbXz{float:none;margin:0;right:0;width:100%;}} /* sc-component-id: Section2Accordion2__AccordionOuterDiv-sc-510dbdc8-2 */ .AKXV ul{padding-bottom:0px;} .AKXV ul li{padding-left:unset;} .AKXV ul li::before{content:unset;} .AKXV .cds--accordion__item{margin-left:-12px;margin-right:-12px;border-top:1px solid rgb(190,190,190);} .AKXV .cds--accordion__item:last-child{border-bottom:none;} .AKXV .cds--accordion__item .cds--accordion__heading{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;height:90px;} @media (max-width:400px){.AKXV .cds--accordion__item .cds--accordion__heading{height:132px;}} .AKXV .cds--accordion__item .cds--accordion__heading:focus{border:unset;box-shadow:unset;} .AKXV .cds--accordion__item .cds--accordion__heading:hover{background-color:unset;} .AKXV .cds--accordion__item .cds--accordion__heading .cds--accordion__arrow{fill:#8a3ffc;-webkit-transform:rotate(90deg) scale(2);-ms-transform:rotate(90deg) scale(2);transform:rotate(90deg) scale(2);margin-right:12px;} .AKXV .cds--accordion__item .cds--accordion__heading .cds--accordion__title{font-weight:400;font-size:20px;line-height:28px;color:#8a3ffc;} .AKXV .cds--accordion__item .cds--accordion__content{padding-right:unset;} .AKXV .cds--accordion__item--active > .cds--accordion__heading > .cds--accordion__arrow{-webkit-transform:rotate(-90deg) scale(2);-ms-transform:rotate(-90deg) scale(2);transform:rotate(-90deg) scale(2);} /* sc-component-id: Section2Accordion2__AccordionContentWrapper-sc-510dbdc8-4 */ .lpmdFv{padding-top:15px； padding-bottom:0px；;} /* sc-component-id: Section2Accordion3__MainDiv-sc-a7b753f2-0 */ .cftrcN * > a{cursor:pointer;} /* sc-component-id: Section2Accordion3__AccordionOuterDiv-sc-a7b753f2-2 */ .dhlEdj ul{padding-bottom:0px;} .dhlEdj ul li{padding-left:unset;} .dhlEdj ul li::before{content:unset;} .dhlEdj .cds--accordion__item{margin-left:-12px;margin-right:-12px;border-top:1px solid rgb(190,190,190);} .dhlEdj .cds--accordion__item:last-child{border-bottom:none;} .dhlEdj .cds--accordion__item .cds--accordion__heading{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;height:90px;} @media (max-width:400px){.dhlEdj .cds--accordion__item .cds--accordion__heading{height:132px;}} .dhlEdj .cds--accordion__item .cds--accordion__heading:focus{border:unset;box-shadow:unset;} .dhlEdj .cds--accordion__item .cds--accordion__heading:hover{background-color:unset;} .dhlEdj .cds--accordion__item .cds--accordion__heading .cds--accordion__arrow{fill:#8a3ffc;-webkit-transform:rotate(90deg) scale(2);-ms-transform:rotate(90deg) scale(2);transform:rotate(90deg) scale(2);margin-right:12px;} .dhlEdj .cds--accordion__item .cds--accordion__heading .cds--accordion__title{font-weight:400;font-size:20px;line-height:28px;color:#8a3ffc;} .dhlEdj .cds--accordion__item .cds--accordion__content{padding-right:unset;} .dhlEdj .cds--accordion__item--active > .cds--accordion__heading > .cds--accordion__arrow{-webkit-transform:rotate(-90deg) scale(2);-ms-transform:rotate(-90deg) scale(2);transform:rotate(-90deg) scale(2);} /* sc-component-id: Section2Accordion3__AccordionContentWrapper-sc-a7b753f2-4 */ .cHdRvV{padding-top:15px； padding-bottom:0px；;} /* sc-component-id: Section2Accordion4__MainDiv-sc-609a1efc-0 */ .hrZlvD * > a{cursor:pointer;} /* sc-component-id: Section2Accordion4__AccordionOuterDiv-sc-609a1efc-1 */ .gWMrYY ul{padding-bottom:0px;} .gWMrYY ul li{padding-left:unset;} .gWMrYY ul li::before{content:unset;} .gWMrYY .cds--accordion__item{margin-left:-12px;margin-right:-12px;border-top:1px solid rgb(190,190,190);border-bottom:1px solid rgb(190,190,190);} .gWMrYY .cds--accordion__item .cds--accordion__heading{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;height:90px;} @media (max-width:400px){.gWMrYY .cds--accordion__item .cds--accordion__heading{height:132px;}} .gWMrYY .cds--accordion__item .cds--accordion__heading:focus{border:unset;box-shadow:unset;} .gWMrYY .cds--accordion__item .cds--accordion__heading:hover{background-color:unset;} .gWMrYY .cds--accordion__item .cds--accordion__heading .cds--accordion__arrow{fill:#8a3ffc;-webkit-transform:rotate(90deg) scale(2);-ms-transform:rotate(90deg) scale(2);transform:rotate(90deg) scale(2);margin-right:12px;} .gWMrYY .cds--accordion__item .cds--accordion__heading .cds--accordion__title{font-weight:400;font-size:20px;line-height:28px;color:#8a3ffc;} .gWMrYY .cds--accordion__item .cds--accordion__content{padding-right:unset;} .gWMrYY .cds--accordion__item--active > .cds--accordion__heading > .cds--accordion__arrow{-webkit-transform:rotate(-90deg) scale(2);-ms-transform:rotate(-90deg) scale(2);transform:rotate(-90deg) scale(2);} /* sc-component-id: Section2Accordion4__AccordionContentWrapper-sc-609a1efc-3 */ .fnHWGa{padding-top:15px； padding-bottom:0px；;} /* sc-component-id: SectionContainer__MainText-sc-e0fbc41d-0 */ .gsuJXA{color:#191918;font-size:16px;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:24px;} /* sc-component-id: SectionContainer__LastParagraphDiv-sc-e0fbc41d-1 */ @media (max-width:672px){.jBSQK{margin-top:16px !important;}} /* sc-component-id: SectionContainer__Placeholder-sc-e0fbc41d-3 */ @media (max-width:672px){.bgpZox{display:none !important;}} /* sc-component-id: SectionContainer__ContainerMain-sc-e0fbc41d-5 */ .iqejAm{position:relative;} /* sc-component-id: SectionContainer__Container-sc-e0fbc41d-6 */ .cAxetr{padding-bottom:78px;} .cAxetr .container-common-text{font-size:16px;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:24px;margin-bottom:1em;} /* sc-component-id: SectionContainer__MainSubHeaderParent-sc-e0fbc41d-7 */ .fGwUok{position:relative;} /* sc-component-id: SectionContainer__MainHeader-sc-e0fbc41d-8 */ .cIxaEC{color:#161616;font-size:28px;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:36px;position:absolute;top:0;white-space:nowrap;border:1px solid #8a3ffc;padding:31.5px 0;border-left:none;border-right:none;margin-left:16px;} @media (max-width:672px){.cIxaEC{margin-left:-16px;padding-left:32px;padding-right:32px;position:relative;white-space:break-spaces;}} @media (max-width:320px){.cIxaEC{margin-left:0;padding-left:16px;padding-right:16px;width:100% !important;}} /* sc-component-id: SectionContainer__MainBody-sc-e0fbc41d-10 */ .gECyBe{margin-top:143px;margin-bottom:40px;color:#191918;font-size:16px;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:24px;} @media (max-width:672px){.gECyBe{margin-top:40px !important;}} /* sc-component-id: SectionContainer__MainFooter-sc-e0fbc41d-11 */ .eClukt{padding-top:9px;} @media (max-width:320px){.eClukt{margin-top:-40px;}} /* sc-component-id: SectionContainer__Transparent-sc-e0fbc41d-12 */ .fazwjD{margin-bottom:79.5px;} @media (max-width:672px){.fazwjD{margin-bottom:37.5px !important;}} .fazwjD img{width:100%;} /* sc-component-id: SectionContainer__TextContainer-sc-e0fbc41d-13 */ .iWClwq{position:absolute;right:117px;top:75px;width:37%;} @media (min-width:320px) and (max-width:671px){.iWClwq{left:0;top:30%;margin-left:24px;right:19px;width:auto;}} @media (max-width:320px){.iWClwq{left:0;top:30%;margin-left:24px;right:19px;width:auto;}} @media (min-width:672px) and (max-width:1100px){.iWClwq{top:10%;}} /* sc-component-id: SectionContainer__Section2TextContainer-sc-e0fbc41d-14 */ .ggDOzL{position:absolute;right:160px;top:13%;width:25%;} @media (min-width:320px) and (max-width:671px){.ggDOzL{left:0;top:10%;margin-left:24px;width:90%;}} @media (max-width:320px){.ggDOzL{left:0;top:5%;margin-left:24px;}} @media (min-width:672px) and (max-width:759px){.ggDOzL{top:5%;right:123px;}} @media (min-width:760px) and (max-width:950px){.ggDOzL{top:10%;right:123px;}} @media (min-width:951px) and (max-width:1309px){.ggDOzL{top:10%;}} /* sc-component-id: SectionContainer__BannerContainer-sc-e0fbc41d-15 */ .kJPjbg{position:relative;} /* sc-component-id: SectionContainer__InsertSectionTitle-sc-e0fbc41d-17 */ .igOngX{width:560px;color:#161616;font-size:28px;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:36px;margin-bottom:26px;margin-top:72px;} @media (min-width:320px) and (max-width:671px){.igOngX{width:auto;}} @media (max-width:320px){.igOngX{width:auto;font-size:28px;line-height:36px;}} /* sc-component-id: SectionContainer__Text-sc-e0fbc41d-19 */ .iUtsQh{min-width:280px;color:#f4f4f4;font-size:1.85rem;font-style:italic;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:34px;margin-bottom:24px;} @media (min-width:320px) and (max-width:671px){.iUtsQh{width:auto;}} @media (max-width:320px){.iUtsQh{font-size:1.8rem;}} @media (min-width:672px) and (max-width:774px){.iUtsQh{font-size:1.3rem;margin-bottom:0;line-height:23px;}} @media (min-width:901px) and (max-width:1130px){.iUtsQh{font-size:1.5rem;margin-bottom:8px;}} @media (min-width:775px) and (max-width:900px){.iUtsQh{font-size:1.4rem;margin-bottom:8px;line-height:25px;}} @media (min-width:1313px) and (max-width:1550px){.iUtsQh{font-size:2rem;margin-bottom:26px;line-height:38px;}} @media (min-width:1551px) and (max-width:1650px){.iUtsQh{font-size:2.2rem;margin-bottom:28px;line-height:42px;}} @media (min-width:1651px) and (max-width:1750px){.iUtsQh{font-size:2.4rem;margin-bottom:30px;line-height:44px;}} @media (min-width:1751px){.iUtsQh{font-size:2.6rem;margin-bottom:32px;line-height:46px;}} /* sc-component-id: SectionContainer__Section2Text-sc-e0fbc41d-20 */ .ePJfua{width:100%;min-width:280px;color:#f4f4f4;font-size:1.85rem;font-style:normal;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:36px;margin-bottom:24px;} @media (min-width:320px) and (max-width:671px){.ePJfua{width:auto;font-size:2rem;}} @media (min-width:672px) and (max-width:910px){.ePJfua{font-size:1.45rem;margin-bottom:0;line-height:25px;}} @media (min-width:911px) and (max-width:12450px){.ePJfua{font-size:1.5rem;margin-bottom:8px;}} @media (min-width:1313px) and (max-width:1550px){.ePJfua{font-size:2rem;margin-bottom:8px;line-height:38px;}} @media (min-width:1551px) and (max-width:1650px){.ePJfua{font-size:2.2rem;margin-bottom:8px;line-height:42px;}} @media (min-width:1651px) and (max-width:1750px){.ePJfua{font-size:2.4rem;margin-bottom:8px;line-height:44px;}} @media (min-width:1751px){.ePJfua{font-size:2.6rem;margin-bottom:8px;line-height:46px;}} /* sc-component-id: SectionContainer__Section2InsightText-sc-e0fbc41d-22 */ .jonicN{width:100%;color:#f4f4f4;font-size:16px;font-style:normal;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:24px;margin-bottom:24px;font-weight:bold;} @media (min-width:320px) and (max-width:671px){.jonicN{width:auto;}} @media (max-width:1100px){.jonicN{margin-bottom:5px;}} /* sc-component-id: SectionContainer__Author-sc-e0fbc41d-23 */ .faTQHn{height:24px;width:448px;color:#ffffff;font-size:1.1rem;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:24px;} @media (min-width:320px) and (max-width:671px){.faTQHn{width:auto;font-size:0.9rem;}} @media (max-width:320px){.faTQHn{font-size:1.1rem;}} @media (min-width:671px) and (max-width:749px){.faTQHn{font-size:0.8rem;}} @media (min-width:750px) and (max-width:949px){.faTQHn{font-size:1rem;}} @media (min-width:950px) and (max-width:1160px){.faTQHn{font-size:1rem;}} @media (min-width:1313px) and (max-width:1550px){.faTQHn{font-size:1.2rem;}} @media (min-width:1551px) and (max-width:1650px){.faTQHn{font-size:1.3rem;}} @media (min-width:1651px) and (max-width:1750px){.faTQHn{font-size:1.4rem;}} @media (min-width:1751px){.faTQHn{font-size:1.5rem;}} /* sc-component-id: SectionContainer__ChartData-sc-e0fbc41d-24 */ .jvllXU{width:37%;right:-20%;display:block;float:right;margin:0px 0 0 -10%;position:relative;min-width:235px;} @media (min-width:672px) and (max-width:1056px){.jvllXU{width:500px;right:-245px;margin:0px 0px 0px -200px;}} @media (max-width:672px){.jvllXU{float:none;margin:0;right:0;width:100%;}} /* sc-component-id: SectionContainerCollections__InsertSection-sc-29baab97-0 */ .dAhwFb{margin:39.5px 0;} .dAhwFb .borderClass{border:2px solid #8a3ffc;border-left:none;border-right:none;} .dAhwFb .borderClassTopOnly{border-top:2px solid #8a3ffc;width:60%;} @media (max-width:671px){.dAhwFb .borderClassTopOnly{border:none;}} .dAhwFb .borderClassTopOnly:first-of-type{border-top:2px solid #8a3ffc;width:60%;} @media (max-width:671px){.dAhwFb .borderClassTopOnly:first-of-type{border:none;}} .dAhwFb .borderClassTopOnlyWithIcon{border-top:2px solid #8a3ffc;width:60%;} @media (max-width:1055px){.dAhwFb .borderClassTopOnlyWithIcon{border:none;}} .dAhwFb .ibm-grid-container{margin:0 !important;} .dAhwFb .insertSection{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;margin:40px -16px !important;} .dAhwFb .insertSection-icon{text-align:center;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;-webkit-box-pack:center;-webkit-justify-content:center;-ms-flex-pack:center;justify-content:center;} .dAhwFb .insertSection-border-left{border-left:1px solid #8d8d8d;} .dAhwFb .insertSection-border-top{border-top:1px solid #8d8d8d;margin-top:20px;padding-top:20px;} .dAhwFb .insertSection-text-header{color:#0f62fe;font-size:54px;font-weight:300;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:64px;} .dAhwFb .gray{color:#8d8d8d;} .dAhwFb .insertSection-text-intro{color:#191918;font-size:16px;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:24px;} /* sc-component-id: SectionContainerCollections__InsertSectionTitle-sc-29baab97-1 */ .kmkXcz{color:#191918;font-size:16px;font-weight:bold;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:24px;} /* sc-component-id: SectionContainerCollections__InsertSectionComplexTextHeader-sc-29baab97-2 */ .ckRwGx{color:#8a3ffc;font-family:'IBM Plex Sans';font-size:20px;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:26px;vertical-align:middle;margin-top:20px;} /* sc-component-id: SectionContainerCollections__InsertSectionComplexTextIntro-sc-29baab97-3 */ .jzBMcC{color:#191918;font-size:16px;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:24px;background-color:#f4f4f4;padding:10px;} /* sc-component-id: SectionContainerCollections__InsertSectionComplex-sc-29baab97-4 */ .giPePI{margin-bottom:-39.5px;} /* sc-component-id: SectionContainerCollections__InsertSectionComplexListWithIcon-sc-29baab97-6 */ .cMGunY{padding:50px 0px 65px !important;} @media (max-width:672px){.cMGunY{padding-bottom:10px !important;}} /* sc-component-id: SectionContainerCollections__InsertSectionComplexIcon-sc-29baab97-7 */ .cwaQAI{margin-left:-16px;} @media (min-width:320px) and (max-width:671px){.cwaQAI{margin:40px 0 0;text-align:center;}.cwaQAI img{margin:0;}} /* sc-component-id: SectionContainerCollections__ActionItemIcon-sc-29baab97-8 */ .dTjmXP{margin:40px 0px;} /* sc-component-id: insights__InsightsSectionDiv-sc-d1c8c18e-0 */ .fKHRfO{padding:0;margin:48px 0px;max-width:100%;font-family:"IBM Plex Sans, 'Helvetica Neue', Arial, sans-serif;";line-height:24px;font-size:16px;} @media (max-width:484px){.fKHRfO{margin:20px 0px;}} /* sc-component-id: insights__Image-sc-d1c8c18e-1 */ .gGggGJ{width:96px;height:96px;} /* sc-component-id: insights__TitleBlue-sc-d1c8c18e-2 */ .eWUvGs{width:100%;color:#f3f3f3;font-size:20px;font-weight:bold;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:26px;margin:0 0 5px 0;padding:0 0 0 0;} @media (max-width:484px){.eWUvGs{width:100%;margin:0 auto;padding:10px 0 0 0;}} /* sc-component-id: insights__Findings-sc-d1c8c18e-3 */ .cMqDbk{padding:0;margin:0;color:#f3f3f3;max-width:100%;} .cMqDbk .findings-desc{line-height:24px;font-size:16px;margin:0 auto;} .cMqDbk .findings-item{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;margin-top:24px;} .cMqDbk .findings-item .item-title{line-height:24px;font-size:16px;font-weight:bold;margin-top:24px;} .cMqDbk .findings-item .item-desc{line-height:24px;font-size:16px;margin-top:24px;color:#f3f3f3;} @media (max-width:484px){.cMqDbk .findings-item .item-desc{padding-bottom:40px;}} .cMqDbk .findings-item .icon{margin-right:64px;margin-bottom:24px;} @media (max-width:484px){.cMqDbk .findings-item .icon{margin:24px auto;display:inherit;}} .cMqDbk .findings-item p{line-height:24px;font-size:16px;} @media (max-width:484px){.cMqDbk .findings-item{display:block;}} /* sc-component-id: insights__PurpleLineTop-sc-d1c8c18e-4 */ .lmEShi{margin-left:0px;width:100%;background-color:#be95ff;border:none;height:1px;margin-bottom:40px;} /* sc-component-id: SectionIntro__IntroSection-sc-e992fee6-0 */ .ePqxvs{padding-top:0px !important;padding-bottom:28px;} @media (max-width:1055px){.ePqxvs{-webkit-flex-direction:column-reverse;-ms-flex-direction:column-reverse;flex-direction:column-reverse;padding-bottom:0px;}} /* sc-component-id: SectionIntro__IntroSection2-sc-e992fee6-1 */ .gZBzSn{padding-top:0px !important;padding-bottom:28px;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;} @media (max-width:1055px){.gZBzSn{-webkit-flex-direction:column-reverse;-ms-flex-direction:column-reverse;flex-direction:column-reverse;padding-bottom:0px;}} @media (max-width:1055px){.gZBzSn{-webkit-flex-direction:column-reverse;-ms-flex-direction:column-reverse;flex-direction:column-reverse;}} /* sc-component-id: SectionIntro__IntroSectionTitleDesktop-sc-e992fee6-2 */ .fdBPCo{font-family:IBM Plex Sans,'Helvetica Neue',Arial,sans-serif;font-size:28px;color:#fff;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:36px;} @media (max-width:1055px){.fdBPCo{padding-top:28px;}} /* sc-component-id: SectionIntro__IntroSectionContent-sc-e992fee6-3 */ .cJVzNs{margin-top:40px;} @media (max-width:671px){.cJVzNs{margin-top:16px;}} .cJVzNs p{font-family:IBM Plex Sans,'Helvetica Neue',Arial,sans-serif;font-size:16px;color:#ffffff;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:24px;} .cJVzNs a{-webkit-text-decoration:underline;text-decoration:underline;} /* sc-component-id: SectionIntro__BookmarkDiv-sc-e992fee6-4 */ .fpDwor{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-box-pack:justify;-webkit-justify-content:space-between;-ms-flex-pack:justify;justify-content:space-between;font-family:IBM Plex Sans,'Helvetica 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insights__Findings-sc-7fd6e49c-5 */ .chuefA{padding:0;margin:0;max-width:100%;} .chuefA .findings-desc{line-height:24px;font-size:16px;margin:0 auto;} .chuefA .findings-item{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;margin-top:24px;} .chuefA .findings-item .item-title{line-height:24px;font-size:16px;font-weight:bold;margin-top:24px;} .chuefA .findings-item .icon{margin-right:64px;margin-bottom:24px;} @media (max-width:484px){.chuefA .findings-item .icon{margin:24px auto;display:inherit;}} .chuefA .findings-item p{line-height:24px;font-size:16px;} @media (max-width:484px){.chuefA .findings-item{display:block;}} /* sc-component-id: Page-styled__AssetDiv-sc-d860d4ed-0 */ @media (max-width:671px){.fNdWdm{display:none !important;}} /* sc-component-id: Page-styled__BookmarkDiv-sc-d860d4ed-2 */ .gaBwRW{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-weight:600;font-size:16px;color:#323232;line-height:22px;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;margin-bottom:12px;} .gaBwRW > span{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;white-space:nowrap;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;margin-right:15px;font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-weight:600;font-size:14px;color:#3d3d3d;-webkit-letter-spacing:0.16px;-moz-letter-spacing:0.16px;-ms-letter-spacing:0.16px;letter-spacing:0.16px;line-height:18px;} .gaBwRW > div{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;} /* sc-component-id: Page-styled__LighthouseTextArea-sc-d860d4ed-3 */ .goVeiy{padding-left:16px;} @media (max-width:1057px){.goVeiy{display:none !important;}} /* sc-component-id: Page-styled__FullReportBox-sc-d860d4ed-4 */ .ihqCFf{background-color:#0062FF !important;border-color:#0062FF !important;outline-color:#0062FF !important;border:1px solid;margin-left:3px;outline:solid 1px;text-align:left;font-size:16px;color:#ffffff !important;cursor:pointer;box-sizing:border-box;line-height:20px;height:48px;padding:0px 16px;text-align:left;-webkit-text-decoration:none;text-decoration:none;-webkit-transition:border 0.3s,color 0.3s,background-color 0.3s;transition:border 0.3s,color 0.3s,background-color 0.3s;white-space:normal;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-box-pack:justify;-webkit-justify-content:space-between;-ms-flex-pack:justify;justify-content:space-between;width:-webkit-fit-content;width:-moz-fit-content;width:fit-content;} .ihqCFf span{display:inline-block;line-height:18px;margin:auto 0;} .ihqCFf:hover{background-color:#0354e9 !important;border-color:#0354e9 !important;outline-color:#0354e9 !important;-webkit-text-decoration:none;text-decoration:none;} .ihqCFf > i{height:15px;width:18.8px;display:inline-block;margin-left:20px;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;margin:15px 0 auto 16px;} .ihqCFf > i > img{height:15px;width:18.8px;} /* sc-component-id: Page-styled__FullReportBoxMobile-sc-d860d4ed-5 */ .cVEkxp{background-color:#0062FF !important;border-color:#0062FF !important;outline-color:#0062FF !important;border:1px solid;margin-left:3px;outline:solid 1px;text-align:left;font-size:16px;color:#ffffff !important;cursor:pointer;box-sizing:border-box;line-height:20px;height:48px;padding:0px 16px;text-align:left;-webkit-text-decoration:none;text-decoration:none;-webkit-transition:border 0.3s,color 0.3s,background-color 0.3s;transition:border 0.3s,color 0.3s,background-color 0.3s;white-space:normal;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-box-pack:justify;-webkit-justify-content:space-between;-ms-flex-pack:justify;justify-content:space-between;width:-webkit-fit-content;width:-moz-fit-content;width:fit-content;margin-top:18px;margin-bottom:20px;} .cVEkxp span{display:inline-block;line-height:18px;margin:auto 0;} .cVEkxp:hover{background-color:#0354e9 !important;border-color:#0354e9 !important;outline-color:#0354e9 !important;-webkit-text-decoration:none;text-decoration:none;} .cVEkxp > i{height:15px;width:18.8px;display:inline-block;margin-left:20px;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;margin:15px 0 auto 16px;} .cVEkxp > i > img{height:15px;width:18.8px;} @media (min-width:672px){.cVEkxp{display:none !important;}} /* sc-component-id: Page-styled__SubtitleSpan-sc-d860d4ed-7 */ .evrEne{max-width:548px;font-size:28px;color:#666666;font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;-webkit-letter-spacing:0px;-moz-letter-spacing:0px;-ms-letter-spacing:0px;letter-spacing:0px;line-height:36px;} @media (max-width:671px){.evrEne{display:none;}} /* sc-component-id: Page-styled__ReactMarkdownDiv-sc-d860d4ed-8 */ .jReMRr{margin-bottom:1.5rem;} .jReMRr > div > p{font-size:16px;font-weight:400;line-height:24px;} .jReMRr > div li{font-size:16px;font-weight:400;line-height:24px;} .jReMRr > span > p{font-size:16px;font-weight:400;line-height:24px;} .jReMRr > span > p > img{max-width:100%;height:auto !important;} .jReMRr > div > div > video{max-width:100%;height:auto !important;} /* sc-component-id: Page-styled__DownloadBtnMedium-sc-d860d4ed-9 */ .jtNNyL{padding-bottom:27px;display:none !important;} @media (min-width:672px) and (max-width:1055px){.jtNNyL{display:block !important;}} /* sc-component-id: Page-styled__SectionTopLessThanBIG-sc-d860d4ed-10 */ .uhYrQ{display:none !important;} @media (max-width:1055px){.uhYrQ{display:block !important;}} /* sc-component-id: Page-styled__FullReportBoxQuantum-sc-d860d4ed-11 */ .eINNKF{background-color:#0062FF !important;border-color:#0062FF !important;outline-color:#0062FF !important;border:1px solid;margin-top:30px;margin-left:0px;outline:solid 1px;text-align:left;font-size:14px;color:#ffffff !important;cursor:pointer;box-sizing:border-box;font-size:16px;line-height:20px;width:100%;max-width:248px;height:48px;padding:0px 16px;text-align:left;-webkit-text-decoration:none;text-decoration:none;-webkit-transition:border 0.3s,color 0.3s,background-color 0.3s;transition:border 0.3s,color 0.3s,background-color 0.3s;white-space:normal;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-box-pack:justify;-webkit-justify-content:space-between;-ms-flex-pack:justify;justify-content:space-between;} @media (max-width:1055px){.eINNKF{display:none !important;}} .eINNKF span{display:inline-block;line-height:18px;margin:auto 0;} .eINNKF:hover{background-color:#0354e9 !important;border-color:#0354e9 !important;outline-color:#0354e9 !important;-webkit-text-decoration:none;text-decoration:none;} .eINNKF > i{height:15px;width:18.8px;display:inline-block;margin-left:20px;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;margin:15px 0 auto 0;} .eINNKF > i > img{height:15px;width:18.8px;}.edGpqW{background-color:#0062FF !important;border-color:#0062FF !important;outline-color:#0062FF !important;border:1px solid;margin-top:30px;margin-left:0px;outline:solid 1px;text-align:left;font-size:14px;color:#ffffff !important;cursor:pointer;box-sizing:border-box;font-size:16px;line-height:20px;width:248px;max-width:248px;height:48px;padding:0px 16px;text-align:left;-webkit-text-decoration:none;text-decoration:none;-webkit-transition:border 0.3s,color 0.3s,background-color 0.3s;transition:border 0.3s,color 0.3s,background-color 0.3s;white-space:normal;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-box-pack:justify;-webkit-justify-content:space-between;-ms-flex-pack:justify;justify-content:space-between;} @media (max-width:1055px){.edGpqW{display:none !important;}} .edGpqW span{display:inline-block;line-height:18px;margin:auto 0;} .edGpqW:hover{background-color:#0354e9 !important;border-color:#0354e9 !important;outline-color:#0354e9 !important;-webkit-text-decoration:none;text-decoration:none;} .edGpqW > i{height:15px;width:18.8px;display:inline-block;margin-left:20px;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;margin:15px 0 auto 0;} .edGpqW > i > img{height:15px;width:18.8px;} /* sc-component-id: Page-styled__IBVReportBottomButton-sc-d860d4ed-12 */ .doqQzu span{margin-right:16px;font-weight:400;} /* sc-component-id: Page-styled__BottomDownloadButtonDiv-sc-d860d4ed-13 */ .ccLQqt .button-primary,.ccLQqt .button-secondary{font-size:14px;} .ccLQqt .button-primary > span,.ccLQqt .button-secondary > span{white-space:pre-wrap;} .ccLQqt .cds--btn{max-width:100%;} /* sc-component-id: SectionCardsParagraphs__DesktopDiv-sc-470bf198-0 */ @media (max-width:1055px){} /* sc-component-id: SectionCardsParagraphs__CardListDiv-sc-470bf198-1 */ .hcwiwe .margin-padding-32{padding-left:16px;padding-right:16px;margin-left:-16px;margin-right:-16px;} @media (max-width:671px){.hcwiwe{padding-left:16px;padding-right:16px;margin-right:-16px;margin-left:-16px;}.hcwiwe .margin-padding-32{padding-left:32px;padding-right:32px;margin-left:-32px;margin-right:-32px;}} /* sc-component-id: SectionCardsParagraphs__ParagraphDiv-sc-470bf198-2 */ .cYWBTK{color:#181818;font-size:16px;line-height:24px;margin-bottom:24px;padding-left:16px;padding-right:16px;} .cYWBTK:nth-of-type(2),.cYWBTK:nth-of-type(8){font-weight:600;} /* sc-component-id: SectionCardsParagraphs__SpecialPTitle-sc-470bf198-3 */ .jPShey{padding-left:16px;padding-right:16px;font-size:28px;line-height:36px;color:#4896ff;margin-bottom:24px;} /* sc-component-id: SectionCardsParagraphs__SectionGrayContent-sc-470bf198-4 */ .czFOcY{padding-top:16px;padding-right:16px;padding-bottom:1px;padding-left:16px;} .czFOcY .content-title{height:30px;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;-webkit-box-pack:justify;-webkit-justify-content:space-between;-ms-flex-pack:justify;justify-content:space-between;color:#191919;font-size:20px;line-height:26px;margin-bottom:24px;} .czFOcY .content-body{color:#1e1e1e;font-size:16px;-webkit-letter-spacing:0.18px;-moz-letter-spacing:0.18px;-ms-letter-spacing:0.18px;letter-spacing:0.18px;line-height:24px;margin-bottom:32px;} /* sc-component-id: SectionFigure1__SubTitleLinkDiv-sc-3efc54d9-1 */ .eBgOMc{color:#1a1a1a;font-size:16px;line-height:20px;} /* sc-component-id: SectionFigure1__FigureImg-sc-3efc54d9-2 */ .dDxVsh{max-width:456px;} /* sc-component-id: SectionTopMobile__FullReportBox-sc-6882b1af-0 */ .KXBa{background-color:#0062FF !important;border-color:#0062FF !important;outline-color:#0062FF !important;border:1px solid;margin-top:30px;margin-left:3px;outline:solid 1px;text-align:left;font-size:14px;color:#ffffff !important;cursor:pointer;box-sizing:border-box;font-size:16px;line-height:20px;width:248px;height:48px;padding:0px 16px;text-align:left;-webkit-text-decoration:none;text-decoration:none;-webkit-transition:border 0.3s,color 0.3s,background-color 0.3s;transition:border 0.3s,color 0.3s,background-color 0.3s;white-space:normal;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-box-pack:justify;-webkit-justify-content:space-between;-ms-flex-pack:justify;justify-content:space-between;} .KXBa span{display:inline-block;line-height:18px;margin:auto 0;} .KXBa:hover{background-color:#0354e9 !important;border-color:#0354e9 !important;outline-color:#0354e9 !important;-webkit-text-decoration:none;text-decoration:none;} .KXBa > i{height:15px;width:18.8px;display:inline-block;margin-left:20px;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;margin:15px 0 auto 0;} .KXBa > i > img{height:15px;width:18.8px;} /* sc-component-id: SectionTopMobile__Icon-sc-6882b1af-1 */ .idMSdz{width:28px;height:28px;margin-right:8px;} /* sc-component-id: SectionTopMobile__MainDiv-sc-6882b1af-2 */ .bVjZaS{background-color:#f3f3f3;margin-top:0px;margin-bottom:32px;margin-left:-32px;margin-right:-32px;padding-top:32px;padding-bottom:16px;padding-left:32px;padding-right:32px;} /* sc-component-id: Overview__TextContainer-sc-88dacd8f-1 */ .gzgtLL{-webkit-box-pack:'justify';-webkit-justify-content:'space-between';-ms-flex-pack:'justify';justify-content:'space-between';-webkit-align-items:'center';-webkit-box-align:'center';-ms-flex-align:'center';align-items:'center';margin-top:'1rem';} /* sc-component-id: Overview__TextSpan-sc-88dacd8f-2 */ .nlIUl{font-size:1rem;color:#161616;font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;-webkit-letter-spacing:0rem;-moz-letter-spacing:0rem;-ms-letter-spacing:0rem;letter-spacing:0rem;line-height:1.5rem;display:block;} /* sc-component-id: Overview__Title-sc-88dacd8f-3 */ .UpPJY{font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-weight:300;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:2.25rem;padding-left:1rem !important;font-size:1.75rem;color:#161616;padding-bottom:1rem;} @media (min-width:1056px){.UpPJY{font-size:2rem;line-height:2.25rem;font-weight:300;}} /* sc-component-id: Insights__BIGScreenPlaceholderDiv-sc-6b3d53ae-0 */ @media (max-width:1055px){.vQYB{display:none;}} /* sc-component-id: Insights__ContainerDiv-sc-6b3d53ae-1 */ @media (max-width:671px){.fsBXar{padding-top:1.563rem !important;padding-bottom:unset !important;}} .fsBXar a{outline:none;} /* sc-component-id: Insights__ReportCardOuterDiv-sc-6b3d53ae-2 */ .dLHJVi{height:100%;} @media (max-width:671px){.dLHJVi{padding-top:0rem;}} /* sc-component-id: Insights__TitleDiv-sc-6b3d53ae-3 */ .iMqANO{font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-weight:300;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:2.25rem;padding-left:1rem !important;font-size:1.75rem;color:#161616;} @media (min-width:672px){.iMqANO{display:unset;}} @media (min-width:1056px){.iMqANO{font-size:2rem;}} /* sc-component-id: FutureReleases__MainDiv-sc-4f088d60-0 */ .kMwWnu{background-color:rgb(229,246,255);} /* sc-component-id: FutureReleases__ReleaseContainer-sc-4f088d60-1 */ .hsIycG{margin-bottom:4rem;} /* sc-component-id: FutureReleases__ReleaseTitle-sc-4f088d60-2 */ .iKyzNz{font-size:0.875rem;font-weight:bold;line-height:1.125rem;margin-bottom:0.5rem;} /* sc-component-id: FutureReleases__ReleaseDescription-sc-4f088d60-3 */ .iSyoBy{font-size:1.25rem;line-height:1.625rem;} /* sc-component-id: FutureReleases__TitleContainer-sc-4f088d60-4 */ @media (min-width:671px){.gnNmaC{display:none;}} /* sc-component-id: FutureReleases__TitleDiv-sc-4f088d60-5 */ .jcORck{font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-weight:300;font-size:1.75rem;color:#161616;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:2.25rem;padding-left:1rem;} @media (max-width:1055px){.jcORck{font-size:1.75rem;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:2.25rem;}} /* sc-component-id: FutureReleases__Wrapper-sc-4f088d60-6 */ @media (min-width:671px){.bgDyul{background-color:rgb(229,246,255);}} /* sc-component-id: FutureReleases__TabletTitle-sc-4f088d60-7 */ .jUGlFb{font-size:2rem;line-height:2.25rem;font-weight:300;} @media (max-width:671px){.jUGlFb{display:none;}} @media (max-width:1055px){.jUGlFb{font-size:1.75rem;}} /* sc-component-id: home__Main-sc-7f3fc140-0 */ .bhIeoR{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;max-width:70rem;text-align:left;margin:0 auto;padding:4rem 2rem;} /* sc-component-id: home__Wrap-sc-7f3fc140-1 */ .iCsTJm{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;} /* sc-component-id: home__Content-sc-7f3fc140-2 */ .nlSQO{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex:1 1 auto;-ms-flex:1 1 auto;flex:1 1 auto;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;} .nlSQO > *{margin-bottom:1rem;-webkit-flex:1 1 auto !important;-ms-flex:1 1 auto !important;flex:1 1 auto !important;} /* sc-component-id: home__Sidebar-sc-7f3fc140-3 */ .hBMkbG{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;margin-left:1rem;-webkit-flex:0 1 20rem;-ms-flex:0 1 20rem;flex:0 1 20rem;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;} /* sc-component-id: home__Header-sc-7f3fc140-4 */ .derUpT{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;} .derUpT button{margin-left:auto;margin-bottom:1rem;cursor:pointer;max-width:10rem;} .derUpT .cds--inline-notification{inline-size:40%;-webkit-flex-wrap:nowrap;-ms-flex-wrap:nowrap;flex-wrap:nowrap;min-inline-size:13rem;} @media (min-width:725px){.derUpT .cds--inline-notification{inline-size:45%;}} @media (min-width:900px){.derUpT .cds--inline-notification{inline-size:50%;}} @media (min-width:1001px){.derUpT .cds--inline-notification{inline-size:60%;}} @media (min-width:1116px){.derUpT .cds--inline-notification{inline-size:65%;}} /* sc-component-id: home__Buttons-sc-7f3fc140-5 */ .sxxwB{margin-left:auto;} .sxxwB > *{margin-left:1rem !important;} .sxxwB > *:first-child{margin-left:0 !important;} .sxxwB .cds--btn--secondary{max-width:unset;} /* sc-component-id: home__StyledForm-sc-7f3fc140-6 */ .bRhqsn > *{margin-bottom:1rem;} /* sc-component-id: home__Box-sc-7f3fc140-7 */ .cwfFg{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;} /* sc-component-id: home__ImageUpload-sc-7f3fc140-8 */ .esMjPh{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;margin-bottom:1rem;} /* sc-component-id: home__SpecialFieldsDiv-sc-7f3fc140-9 */ .cJTKee{border:2px !important;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex:1 1 auto;-ms-flex:1 1 auto;flex:1 1 auto;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;} .cJTKee > *{margin-bottom:1rem;-webkit-flex:1 1 auto !important;-ms-flex:1 1 auto !important;flex:1 1 auto !important;} /* sc-component-id: home__AttentionDiv-sc-7f3fc140-10 */ .kxHuoB{font-size:25px;font-weight:600;line-height:35px;} /* sc-component-id: home__StyledBreadcrumb-sc-7f3fc140-11 */ .jdNfot ol,.jdNfot ul{padding:unset !important;} .jdNfot ol > li::before,.jdNfot ul > li::before{content:none !important;} .jdNfot ol > li,.jdNfot ul > li{padding-left:unset !important;} /* sc-component-id: KeynoteSection-styled__Wrapper-sc-3b5b285d-3 */ .jiihjl{padding-bottom:5rem;} @media (min-width:672px){.jiihjl{padding-bottom:3rem;}} @media (min-width:1056px){.jiihjl{padding-bottom:4rem;}} /* sc-component-id: Page-styled__LeadspaceWrapper-sc-e386332d-0 */ .kQqvPF{position:relative;} .kQqvPF #basic-leadspace-breadcrumb-wrapper label,.kQqvPF #basic-leadspace-breadcrumb-wrapper span{font-size:1rem;font-weight:400;font-style:normal;line-height:1.5rem;color:#262626;} .kQqvPF #basic-leadspace-breadcrumb-wrapper span{-webkit-text-decoration-line:underline;text-decoration-line:underline;} .kQqvPF #basic-leadspace-text-container{padding-top:2rem;} .kQqvPF #basic-leadspace-text-container .UIWrapperEditIconContainer{top:-1.2rem;right:-1.2rem;} @media (min-width:1056px){.kQqvPF #basic-leadspace-text-container{padding-bottom:1.188rem;}} .kQqvPF #basic-leadspace-text-container #basic-leadspace-text-title{font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-style:normal;font-weight:300;font-size:2.5rem;line-height:3rem;padding-right:0;margin-bottom:16rem;} @media (min-width:672px){.kQqvPF #basic-leadspace-text-container #basic-leadspace-text-title{font-size:4rem;line-height:4.5rem;margin-bottom:11.5rem;}} .kQqvPF #basic-leadspace-wrapper{padding-bottom:0;} .kQqvPF #basic-leadspace-wrapper #TitleTab-Id > :first-child{margin:2rem 0;} .kQqvPF #basic-leadspace-wrapper #action-button-set{margin-bottom:1rem;} @media (min-width:672px){.kQqvPF #basic-leadspace-wrapper #action-button-set{margin-bottom:2rem;}} @media (min-width:1056px){.kQqvPF #basic-leadspace-wrapper #action-button-set{margin-bottom:3rem;}} .kQqvPF #basic-leadspace-wrapper #action-button-set .ActionButtonGroup__SecondActionButton{background-color:#0f62fe;color:#ffffff;} .kQqvPF #basic-leadspace-wrapper #action-button-set .cds--tooltip-trigger__wrapper button{background-color:#393939;border-color:#393939;} .kQqvPF #basic-leadspace-wrapper #action-button-set .cds--tooltip-trigger__wrapper button svg{color:#ffffff;} .kQqvPF #basic-leadspace-wrapper #action-button-set > :last-child button{background-color:#393939;border-color:#393939;} .kQqvPF #basic-leadspace-wrapper #action-button-set > :last-child button svg{color:#ffffff;} /* sc-component-id: MobileNavigation__Navigation-sc-90f8acd5-0 */ .fFVDSz{position:fixed;top:-48px;z-index:100;height:40px;color:white;width:100%;vertical-align:middle;height:unset;} @media (min-width:671px){.fFVDSz{display:none;}} /* sc-component-id: MobileNavigation__NavigationButton-sc-90f8acd5-1 */ .ePmAcm{min-height:40px;min-width:100%;font-size:1rem;} .ePmAcm > svg{top:50% !important;-webkit-transform:translateY(-50%);-ms-transform:translateY(-50%);transform:translateY(-50%);} /* sc-component-id: Page-styled__LeadSpaceCustomStyles-sc-139ba503-0 */ @media (min-width:948px) and (max-width:1010px){.fwnsFQ .dropdown-share-icons{margin-top:65px;margin-left:0px;}} @media (min-width:964px) and (max-width:1215px){.fwnsFQ .dropdown-share-icons{margin-top:65px;margin-left:-200px;}} @media (min-width:673px) and (max-width:795px){.fwnsFQ .dropdown-share-icons{margin-top:65px;margin-left:-200px;}} .fwnsFQ .dropdown-share-icons a{color:#525252;} /* sc-component-id: Page-styled__DesktopReportListWrapperDiv-sc-139ba503-1 */ @media (max-width:1055px){.kqKjC{display:none;}} /* sc-component-id: Page-styled__MobileReportListWrapperDiv-sc-139ba503-2 */ .jiOwBb .report-list__title-div{padding-left:0px;margin-bottom:32px;} .jiOwBb .report-list__item{margin-bottom:8px;} .jiOwBb > :first-child{padding-top:0px !important;padding-bottom:56px !important;} @media (min-width:1055px){.jiOwBb{display:none;}} /* sc-component-id: Page-styled__BookmarkShareAssetAuthorWrapper-sc-139ba503-3 */ .bbXJCs{z-index:1;position:relative;} @media (min-width:1057px){.bbXJCs{display:none;}} @media (min-width:672px) and (max-width:750px){.bbXJCs #get-more-insights-via-email,.bbXJCs #get-additional-insights-via-email{min-width:18rem;}} @media (min-width:672px) and (max-width:1056px){.bbXJCs #get-additional-insights-via-email,.bbXJCs #get-more-insights-via-email{min-width:inherit;}} /* sc-component-id: Page-styled__MLinksWrapper-sc-139ba503-4 */ .jaYsgG{padding-top:79px !important;} @media (max-width:1058px){.jaYsgG{padding-top:49px !important;}.jaYsgG .salesforce-mlink > :first-child{margin-bottom:32px;}} @media (min-width:1056px){.jaYsgG .salesforce-mlink > :first-child{width:-webkit-fit-content;width:-moz-fit-content;width:fit-content;display:block;margin-left:14px;}} .jaYsgG .marketing-link__title-mobile,.jaYsgG .report-list__title-div{color:#262626;} .jaYsgG #MoreData > :first-child > :first-child,.jaYsgG .salesforce-mlink > :first-child > :first-child{color:#262626;} @media (max-width:1058px){.jaYsgG{padding-top:49px !important;}.jaYsgG .salesforce-mlink > :first-child{margin-bottom:32px;color:#262626;}} @media (max-width:670px){.jaYsgG{padding-top:33px !important;}} @media (max-width:671px){.jaYsgG{padding:0px;margin:0px 1px;}.jaYsgG #SectionIbmHelp .marketing-link__mobile > :first-child > :last-child > div{margin-bottom:16px;}.jaYsgG #SectionIbmHelp .marketing-link__mobile > :first-child > :last-child > div .ibm-rule,.jaYsgG #SectionIbmHelp .marketing-link__mobile > :first-child > :last-child > div .ibm-alternate{display:none;}.jaYsgG #SectionIbmHelp .marketing-link__mobile > :first-child > :last-child > div .marketing-card__title{color:#262626;line-height:28px;font-family:IBM Plex Sans;margin-bottom:24px;}.jaYsgG #SectionIbmHelp .marketing-link__mobile > :first-child > :last-child > div .marketing-card__content{margin-bottom:24px;}.jaYsgG #SectionIbmHelp .marketing-link__mobile > :first-child > :last-child > div .marketing-card__row{margin-bottom:16px;}} /* sc-component-id: SectionFiveKeys__ArrowContainer-sc-9b56c204-0 */ .bqJvih{text-align:end;margin:auto 0 0 0;} @media (width:672px){.bqJvih{margin:auto 15px 0 0;}} @media (max-width:671px){.bqJvih{-webkit-align-self:center;-ms-flex-item-align:center;align-self:center;float:right;margin:auto 0;}} /* sc-component-id: SectionFiveKeys__DataContent-sc-9b56c204-1 */ @media (min-width:672px){.XAmUy{-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;height:100%;}} @media (max-width:671px){.XAmUy{display:-webkit-inline-box;display:-webkit-inline-flex;display:-ms-inline-flexbox;display:inline-flex;padding-left:1.5rem;width:100%;}} /* sc-component-id: SectionFiveKeys__DesktopDownloadContainer-sc-9b56c204-2 */ @media (max-width:671px){.ibiBmy{display:none;}} /* sc-component-id: SectionFiveKeys__DesktopListContainer-sc-9b56c204-3 */ @media (max-width:671px){.bKYoqH{display:none;}} /* sc-component-id: SectionFiveKeys__ButtonGroupContainer-sc-9b56c204-4 */ .cEycRh{position:relative;margin-top:-2px;margin-right:-1px;} @media (min-width:672px){.cEycRh .button-primary,.cEycRh .button-secondary,.cEycRh .button-secondary-rebrand{min-width:initial;}} @media (min-width:1239px) and (max-width:1262px){.cEycRh .button-primary,.cEycRh .button-secondary,.cEycRh .button-secondary-rebrand{padding-right:3px;}} .cEycRh .ibm-grid-container{padding:0rem !important;margin-left:0rem !important;margin-right:0rem !important;} .cEycRh .ibm-grid-container .button-primary{width:100%;} @media (min-width:672px){.cEycRh .ibm-grid-container .button-primary{margin:0rem;}} @media (max-width:671px){.cEycRh .ibm-grid-container .button-primary{margin-bottom:8px;}} .cEycRh .ibm-grid-container .button-secondary{width:100%;margin:0rem;} @media (min-width:672px){.cEycRh .ibm-grid-container .icon-arrow{margin:auto 0 auto auto;}} @media (max-width:671px){.cEycRh{padding-top:2rem;}} /* sc-component-id: SectionFiveKeys__Container-sc-9b56c204-5 */ .kzGges{position:relative;padding:4rem 0 6.563rem 0;} @media (max-width:671px){.kzGges{padding:4rem 0 14rem 0;}} /* sc-component-id: SectionFiveKeys__Data-sc-9b56c204-6 */ .rWBFA{background-color:#F4F4F4;-webkit-box-pack:justify;-webkit-justify-content:space-between;-ms-flex-pack:justify;justify-content:space-between;padding:2rem 1.5rem 1.5rem 2rem;cursor:pointer;} .rWBFA:hover{background-color:#E8E8E8;} .rWBFA:nth-child(2){margin-left:-0.063rem;} @media (min-width:672px){.rWBFA{width:50%;border:0.063rem solid #78a9ff;}} @media (max-width:672px){.rWBFA{padding:1rem 0rem;margin-bottom:3rem;vertical-align:middle;}} /* sc-component-id: SectionFiveKeys__Description-sc-9b56c204-7 */ .kQrKFi{font-size:1.25rem;font-weight:400;line-height:1.75rem;padding-bottom:4rem;} @media (max-width:671px){.kQrKFi{padding-bottom:0rem;}} /* sc-component-id: SectionFiveKeys__Image-sc-9b56c204-8 */ .ceGjEA{position:relative;width:100%;} /* sc-component-id: SectionFiveKeys__MainWrapper-sc-9b56c204-9 */ .jPIBtE{position:relative;} .jPIBtE .section-five-keys-main-wrapper-image,.jPIBtE .section-five-keys-container-image{display:none;object-fit:cover;object-position:top right;} @media (max-width:1055px){.jPIBtE{background-color:#f4f4f4;}} @media (min-width:672px) and (max-width:1055px){.jPIBtE .section-five-keys-main-wrapper-image{display:block;}} @media (min-width:1056px){.jPIBtE .section-five-keys-container-image{display:block;}} /* sc-component-id: SectionFiveKeys__MobileListContainer-sc-9b56c204-10 */ @media (min-width:672px){.kIUaTW{display:none;}} /* sc-component-id: SectionFiveKeys__StyledArrow-sc-9b56c204-11 */ .fKrcBC{color:#0F62FE;width:1.5rem;height:1.5rem;} @media (max-width:671px){.fKrcBC{-webkit-align-self:center;-ms-flex-item-align:center;align-self:center;}} /* sc-component-id: SectionFiveKeys__TableContainer-sc-9b56c204-12 */ .fMUUam{width:100%;height:100%;} /* sc-component-id: SectionFiveKeys__Text-sc-9b56c204-14 */ .cQpPNn{font-family:'IBM Plex Sans';font-size:1.25rem;font-weight:400;line-height:1.75rem;color:#262626;width:70%;padding-left:1rem;text-indent:-1.5rem;} @media (width:672px){.cQpPNn{text-indent:0;}} @media (max-width:671px){.cQpPNn{padding-left:0rem;}} @media (max-width:1538px){.cQpPNn{width:82%;}} @media (max-width:1538px){.cQpPNn{width:100%;}} @media (max-width:671px){.cQpPNn{width:95%;-webkit-align-self:center;-ms-flex-item-align:center;align-self:center;}} @media (min-width:1055px) and (max-width:1159px){.cQpPNn{padding-bottom:0rem;}} /* sc-component-id: SectionFiveKeys__TextContainer-sc-9b56c204-15 */ .iXhyfR{padding-bottom:6rem;} @media (max-width:671px){.iXhyfR{padding-bottom:1.5rem;}} @media (min-width:672px){.iXhyfR{width:40%;}} @media (min-width:672px) and (max-width:1055px){.iXhyfR{width:50%;}} /* sc-component-id: SectionFiveKeys__Title-sc-9b56c204-16 */ .ipEHay{font-size:1.25rem;font-weight:700;line-height:1.75rem;padding-right:0.25rem;} @media (max-width:671px){.ipEHay{display:block;padding-bottom:1rem;font-size:1.75rem;}} /* sc-component-id: SectionAccordionTextWithImage__MainDiv-sc-3087e736-0 */ .dYJMBh{border-top:1px solid rgb(190,190,190);position:relative;} .dYJMBh * > a{cursor:pointer;} @media (min-width:1056px) and (max-width:1065px){.dYJMBh .outer-accordion-container{max-width:94%;}} @media (min-width:672px) and (max-width:1056px){.dYJMBh .outer-accordion-container{max-width:96%;}} /* sc-component-id: SectionAccordionTextWithImage__AccordionOuterDiv-sc-3087e736-1 */ @media (min-width:672px) and (max-width:1056px){.ewzKLy{width:100%;}} .ewzKLy * > b{font-weight:600;} .ewzKLy ul{padding-bottom:0px;} .ewzKLy ul li{padding-left:unset;} .ewzKLy ul li::before{content:unset;} .ewzKLy .cds--accordion__title{margin-left:13px;padding-right:15px;padding-left:0;} @media (max-width:670px){.ewzKLy .cds--accordion__title{width:90%;}} .ewzKLy .cds--accordion__item{margin-left:-12px;margin-right:-12px;border:0;} .ewzKLy .cds--accordion__item .cds--accordion__heading{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;height:100%;min-height:60px;padding-inline-end:unset;} .ewzKLy .cds--accordion__item .cds--accordion__heading:focus::before{border:unset;pointer-events:none;} .ewzKLy .cds--accordion__item .cds--accordion__heading:hover::before{background-color:unset;pointer-events:none;} .ewzKLy .cds--accordion__item .cds--accordion__heading:focus{border:unset;box-shadow:unset;} .ewzKLy .cds--accordion__item .cds--accordion__heading:hover{background-color:unset;} .ewzKLy .cds--accordion__item .cds--accordion__heading .cds--accordion__arrow{fill:#0062ff;-webkit-transform:rotate(90deg) scale(2);-ms-transform:rotate(90deg) scale(2);transform:rotate(90deg) scale(2);margin-right:12px;} .ewzKLy .cds--accordion__item .cds--accordion__heading .cds--accordion__title{font-size:16px;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;line-height:24px;color:#161616;} @media (max-width:1065px){.ewzKLy .cds--accordion__item .cds--accordion__heading{position:unset;-webkit-box-pack:start;-webkit-justify-content:start;-ms-flex-pack:start;justify-content:start;}.ewzKLy .cds--accordion__item .cds--accordion__heading svg{position:absolute;right:0;}} .ewzKLy .cds--accordion__item .cds--accordion__content{padding-right:unset;} .ewzKLy .cds--accordion__item--active > .cds--accordion__heading > .cds--accordion__arrow{-webkit-transform:rotate(-90deg) scale(2);-ms-transform:rotate(-90deg) scale(2);transform:rotate(-90deg) scale(2);fill:rgb(0,98,255);} /* sc-component-id: SectionAccordionTextWithImage__AccordionContentWrapper-sc-3087e736-3 */ .kRfYRl{padding-top:15px;padding-bottom:0px;} /* sc-component-id: SectionAccordionTextWithImage__TextContainer-sc-3087e736-4 */ .dtkdvN{-webkit-box-pack:justify;-webkit-justify-content:space-between;-ms-flex-pack:justify;justify-content:space-between;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;line-height:1.25rem;} /* sc-component-id: SectionAccordionTextWithImage__TextSpan-sc-3087e736-5 */ .gCvqXD{font-size:1rem;color:#161616;font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;-webkit-letter-spacing:0rem;-moz-letter-spacing:0rem;-ms-letter-spacing:0rem;letter-spacing:0rem;} /* sc-component-id: SectionAccordionTextWithImage__ImageContainer-sc-3087e736-6 */ .bbGXRj{padding:17px 0px 32px 0px;} /* sc-component-id: SectionAccordionTextWithImage__TextSubtitle-sc-3087e736-7 */ .dnMZyP{color:var(--default-gray-100,#161616);font-family:'IBM Plex Sans';font-size:28px;font-style:normal;font-weight:300;line-height:38px;} /* sc-component-id: SectionAccordionTextWithImage__SubtitleBodyText-sc-3087e736-8 */ .bRKlvo{font-family:'IBM Plex Sans';font-size:20px;font-style:normal;font-weight:300;line-height:28px;} /* sc-component-id: SectionAccordionTextWithImage__ImageCaption-sc-3087e736-9 */ .cIVGRO{font-style:italic;} /* sc-component-id: SectionAccordionTextWithImage__TextList-sc-3087e736-10 */ .bnmHtV{padding-left:3rem;} .bnmHtV li{line-height:1.5rem;list-style-type:disc;font-size:1rem;} /* sc-component-id: LinedList__LinedListContainer-sc-97ce4dc2-0 */ .jgmgjE li:nth-child(2){-webkit-animation-delay:0.5s;animation-delay:0.5s;} .jgmgjE li:nth-child(3){-webkit-animation-delay:1s;animation-delay:1s;} .jgmgjE li:nth-child(4){-webkit-animation-delay:1.5s;animation-delay:1.5s;} .jgmgjE li:nth-child(5){-webkit-animation-delay:2s;animation-delay:2s;} .jgmgjE li:after{content:url(/thought-leadership/institute-business-value/public/static/images/ellipse_blue_big.svg);position:absolute;left:-1.5rem;top:0.25rem;} .jgmgjE li:before{content:'';position:absolute;left:0.25rem;border-left:0.125rem solid var(--default-blue-60,#0f62fe);height:100%;width:0.0625rem;} .jgmgjE li:first-child:before{top:0.5rem;} .jgmgjE li:last-child:before{height:0.5rem;} .jgmgjE li + li{padding-top:0;}.eWsuHX li:nth-child(2){-webkit-animation-delay:0.5s;animation-delay:0.5s;} .eWsuHX li:nth-child(3){-webkit-animation-delay:1s;animation-delay:1s;} .eWsuHX li:nth-child(4){-webkit-animation-delay:1.5s;animation-delay:1.5s;} .eWsuHX li:nth-child(5){-webkit-animation-delay:2s;animation-delay:2s;} .eWsuHX li:after{content:url(/thought-leadership/institute-business-value/public/static/images/ellipse_blue.svg);position:absolute;left:-1.25rem;top:-0.25rem;} .eWsuHX li:before{content:'';position:absolute;left:0.25rem;border-left:0.125rem solid var(--default-blue-60,#0f62fe);height:100%;width:0.0625rem;} .eWsuHX li:first-child:before{top:0.5rem;} .eWsuHX li:last-child:before{height:0.5rem;} .eWsuHX li + li{padding-top:0;} /* sc-component-id: LinedList__LinedListItem-sc-97ce4dc2-1 */ .brlJdT{position:relative;margin-bottom:0;padding-left:0.75rem;opacity:0;} @-webkit-keyframes fadeIn{from{opacity:0;-webkit-transform:translate3d(0,-20%,0);-ms-transform:translate3d(0,-20%,0);transform:translate3d(0,-20%,0);}to{opacity:1;-webkit-transform:translate3d(0,0,0);-ms-transform:translate3d(0,0,0);transform:translate3d(0,0,0);}} @keyframes fadeIn{from{opacity:0;-webkit-transform:translate3d(0,-20%,0);-ms-transform:translate3d(0,-20%,0);transform:translate3d(0,-20%,0);}to{opacity:1;-webkit-transform:translate3d(0,0,0);-ms-transform:translate3d(0,0,0);transform:translate3d(0,0,0);}} /* sc-component-id: LinedList__LinedListHeading-sc-97ce4dc2-2 */ .haEJQJ{color:var(--default-neutral-black,#000);font-family:'IBM Plex Sans';font-size:28px;font-style:normal;font-weight:700;line-height:1.5rem;padding-bottom:8px;}.bUoUAQ{color:var(--default-neutral-black,#000);font-family:'IBM Plex Sans';font-size:1rem;font-style:normal;font-weight:700;line-height:1.5rem;}.gpopuT{color:var(--default-neutral-black,#000);font-family:'IBM Plex Sans';font-size:1.75rem;font-style:normal;font-weight:700;line-height:1.5rem;padding-bottom:1.5rem;} /* sc-component-id: LinedList__LinedListParagraph-sc-97ce4dc2-3 */ .fwvOOp{color:var(--default-neutral-black,#000);font-family:'IBM Plex Sans';font-size:1rem;font-style:normal;font-weight:400;line-height:1.5rem;} /* sc-component-id: LinedList__Text-sc-97ce4dc2-4 */ .JEwhM{padding-bottom:0rem;} .JEwhM:last-child{padding-bottom:unset;}.cPSRCB{padding-bottom:1rem;} .cPSRCB:last-child{padding-bottom:unset;} /* sc-component-id: SectionInsights__AccordionWrapper-sc-69eae2ae-0 */ @media (max-width:1056px){.bSBPFe{padding:0rem 1rem;}} /* sc-component-id: SectionInsights__Content-sc-69eae2ae-1 */ @media (min-width:672px){.ePXPwU{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;}} @media (max-width:671px){.ePXPwU{padding-left:1rem;}} /* sc-component-id: SectionInsights__LinedWrapper-sc-69eae2ae-2 */ @media (min-width:672px){.hgfGSJ{display:'inline-block';}} /* sc-component-id: SectionInsights__Container-sc-69eae2ae-4 */ .FfRpd{padding-bottom:80px;} /* sc-component-id: SectionInsights__TitleDiv-sc-69eae2ae-6 */ .EwyIp{color:var(--default-teal-60,#007d79);font-family:'IBM Plex Sans';font-size:3.375rem;font-style:normal;font-weight:200;line-height:4rem;} @media (max-width:41.875rem){.EwyIp{color:var(--default-teal-60,#007d79);font-family:'IBM Plex Sans';font-size:2.625rem;font-style:normal;font-weight:300;line-height:3.125rem;}} /* sc-component-id: SectionInsights__AccordionSubheadingDiv-sc-69eae2ae-7 */ .cqspEw{color:var(--default-teal-60,#007d79);font-family:'IBM Plex Sans';font-size:1.25rem;font-style:normal;font-weight:700;line-height:normal;padding-bottom:1.5rem;} @media (max-width:671px){.cqspEw{padding-top:3rem;}} /* sc-component-id: SectionInsights__SubheadingDiv-sc-69eae2ae-8 */ .gEcnBL{line-height:1.75rem;font-family:'IBM Plex Sans';color:#262626;padding-bottom:2rem !important;padding-right:2rem !important;font-size:1.75rem;font-style:normal;font-weight:300;line-height:2.375rem;} @media (min-width:672px){.gEcnBL{display:'inline-block';}} @media (max-width:41.875rem){.gEcnBL{font-size:1.5rem;color:#161616;font-family:'IBM Plex Sans';line-height:2rem;font-weight:400;padding-left:0.5rem !important;}} /* sc-component-id: SectionInsights__MiddleContentDiv-sc-69eae2ae-9 */ .eCdwGl{width:100%;} .eCdwGl div[id*='SectionAccordionTextWithImage_']:last-child{border-bottom:0.0625rem solid rgb(190,190,190);} /* sc-component-id: SectionInsights__TitleContainer-sc-69eae2ae-10 */ .lbwrrm{padding-top:6rem;padding-bottom:4rem;} /* sc-component-id: SectionInsights__SubtitleDiv-sc-69eae2ae-11 */ .czczAI{color:var(--accessibility-black,var(--default-neutral-black,#000));font-family:'IBM Plex Sans';font-size:1rem;font-style:normal;font-weight:700;line-height:1.5rem;} /* sc-component-id: Letter__ContinueText-sc-976a4e6-0 */ .hvdhFD{color:#0f62fe;font-style:normal;font-weight:400;line-height:1.5rem;cursor:pointer;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;} /* sc-component-id: Letter__LetterText-sc-976a4e6-1 */ .gUIisx{font-style:normal;font-weight:400;line-height:1.5rem;padding-bottom:1rem;} /* sc-component-id: Letter__LetterTextContainer-sc-976a4e6-2 */ .hkYPyn{position:relative;border-top:0.063rem solid #a8a8a8;border-bottom:0.063rem solid #a8a8a8;padding:1.5rem 0;} @media (max-width:1056px){.hkYPyn{border-bottom:0.063rem solid #A8A8A8;}} @media (min-width:1055px){.hkYPyn{width:60%;}}.dCIoFS{position:relative;border-top:0.063rem solid #a8a8a8;border-bottom:0.063rem solid #a8a8a8;padding:1.5rem 0;} @media (max-width:1056px){.dCIoFS{border-bottom:unset;}} @media (min-width:1055px){.dCIoFS{width:100%;}} /* sc-component-id: Letter__LetterTextHeader-sc-976a4e6-3 */ .jcCeiL{font-size:1.25rem;font-style:normal;font-weight:700;line-height:1.5rem;padding-bottom:1.875rem;} /* sc-component-id: SectionIntro__AudioPlayerWrapperDiv-sc-984053a3-1 */ .cJjxOl{padding-top:2.5rem;padding-bottom:2rem;width:15.875rem;} @media (max-width:671px){.cJjxOl{padding-top:1.563rem;}} /* sc-component-id: SectionIntro__AudioTextHeader-sc-984053a3-2 */ .laGaxi{color:#007d79;font-size:3.375rem;font-weight:300;line-height:4rem;} @media (max-width:734px){.laGaxi{font-size:2.625rem;}} @media (min-width:1055px){.laGaxi{width:60%;}} /* sc-component-id: SectionIntro__ImageLeft-sc-984053a3-3 */ .jiqzVq{width:25%;position:absolute;left:0;bottom:-23.125rem;} @media (max-width:1056px){.jiqzVq{display:none;}} @media (min-width:1054px) and (max-width:1329px){.jiqzVq{bottom:-16.25rem;}} @media (min-width:1330px) and (max-width:1539px){.jiqzVq{bottom:-18.75rem;}} @media (min-width:1540px){.jiqzVq{bottom:-20.625rem;}} /* sc-component-id: SectionIntro__ImageRight-sc-984053a3-4 */ .ujcGn{width:44%;position:absolute;right:0;bottom:-21.25rem;} @media (max-width:1056px){.ujcGn{display:none;}} @media (min-width:1054px) and (max-width:1329px){.ujcGn{bottom:-14.375rem;}} @media (min-width:1330px) and (max-width:1539px){.ujcGn{bottom:-16.875rem;}} @media (min-width:1540px){.ujcGn{bottom:-18.75rem;}} /* sc-component-id: SectionIntro__LetterModal-sc-984053a3-5 */ .dLgljH.cds--modal .cds--modal-header{padding:0;margin:0;height:0rem;} .dLgljH.cds--modal .cds--modal-scroll-content{-webkit-mask-image:none;mask-image:none;} .dLgljH.cds--modal .cds--modal-footer{display:none;} @media (min-width:672px){.dLgljH.cds--modal .cds--modal-close{background-color:#0f62fe;}.dLgljH.cds--modal .cds--modal-close svg{fill:#fff;}.dLgljH.cds--modal .cds--modal-close:hover{background-color:#0353e9;}} @media (max-width:671px){.dLgljH.cds--modal .cds--modal-close{background-color:#edf5ff;}.dLgljH.cds--modal .cds--modal-close svg{fill:#0f62fe;}.dLgljH.cds--modal .cds--modal-close:hover{background-color:#d0e2ff;}} @media (min-width:1056px){.dLgljH.cds--modal .cds--modal-container{width:63%;height:45rem;max-height:none;}} @media (min-width:672px) and (max-width:1055px){.dLgljH.cds--modal .cds--modal-container{height:33.75rem;max-height:none;}} @media (max-width:671px){.dLgljH.cds--modal .cds--modal-container{background-color:#edf5ff;padding-top:3rem;}} .dLgljH.cds--modal .cds--modal-container .cds--modal-content{padding:0rem;outline:none;margin-bottom:0rem;} /* sc-component-id: SectionIntro__LetterWrapper-sc-984053a3-6 */ .htSOGv{bottom:0;} @media (min-width:672px){.htSOGv{position:absolute;width:90%;}} @media (max-width:671px){.htSOGv{display:none;}}.ctBbxI{bottom:0;} @media (min-width:672px){.ctBbxI{display:none;position:absolute;width:90%;}} @media (max-width:671px){} /* sc-component-id: SectionIntro__LinedListWrapper-sc-984053a3-7 */ .iKcoPy{padding:3rem 0rem 0rem 6rem;height:100%;} .iKcoPy ul{height:100%;} .iKcoPy ul li{height:100%;} .iKcoPy ul li:last-child:before{height:100%;} @media (max-width:1565px){.iKcoPy{padding:3rem 0rem 0rem 3rem;}} @media (max-width:671px){.iKcoPy{position:absolute;height:102%;padding:0rem 0rem 0rem 3rem;}} /* sc-component-id: SectionIntro__MainDiv-sc-984053a3-8 */ .ettwYe{position:relative;bottom:16.875rem;width:100%;font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;background-color:#f4f4f4;padding-bottom:6.875rem;margin-bottom:18.875rem;} @media screen and (max-width:1056px){.ettwYe{bottom:0;}} @media (max-width:1055px){.ettwYe{padding-bottom:6rem;margin-bottom:6rem;}} @media (max-width:671px){.ettwYe{padding-top:2rem;padding-bottom:3.5rem;margin-bottom:3rem;}} @media (max-width:1157px){.ettwYe .ibm-pt-8{padding-top:1rem !important;}} @media (max-width:1157px){.ettwYe .main-percentage-container{display:none;}.ettwYe .percent-spacer{max-width:12.5%;-webkit-flex-basis:12.5%;-ms-flex-preferred-size:12.5%;flex-basis:12.5%;margin-left:0;}.ettwYe .percent-content{max-width:75%;-webkit-flex-basis:75%;-ms-flex-preferred-size:75%;flex-basis:75%;margin-left:0;}} /* sc-component-id: SectionIntro__ModalCollumn-sc-984053a3-9 */ @media (min-width:672px){.CyOiF{display:inline-block;}.CyOiF:nth-child(1){width:31%;position:fixed;height:100%;overflow-y:hidden;}.CyOiF:nth-child(2){width:42%;}.CyOiF:nth-child(3){width:46%;padding-top:3.5rem;padding-bottom:2rem;}} @media (max-width:671px){.CyOiF:nth-child(1){position:relative;}.CyOiF:nth-child(3){padding:2rem 3rem 3rem 1rem;}} /* sc-component-id: SectionIntro__ModalCollumnContainer-sc-984053a3-10 */ @media (min-width:672px){.chbvBR{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;}} /* sc-component-id: SectionIntro__ModalImage-sc-984053a3-11 */ .dHkXlP{width:100%;} @media (max-width:671px){.dHkXlP{display:none;padding-top:8rem;}} @media (min-width:672px){}.coyxix{width:100%;} @media (max-width:671px){.coyxix{padding-top:8rem;}} @media (min-width:672px){.coyxix{display:none;}} /* sc-component-id: SectionIntro__Text-sc-984053a3-12 */ .lcTris{font-weight:400;line-height:1.5rem;padding-bottom:1rem;font-size:1rem;} .lcTris:last-child{padding-bottom:unset;} /* sc-component-id: SectionIntro__TextHeader-sc-984053a3-13 */ .iRjOtd{color:#007d79;font-size:1.75rem;font-style:normal;font-weight:400;line-height:2.25rem;padding-top:2.5rem;padding-bottom:1.5rem;} /* sc-component-id: SectionIntro__TextCollumn-sc-984053a3-14 */ .bsAVdP{display:inline-block;position:relative;} @media (min-width:1056px){.bsAVdP{width:50%;}} @media (min-width:672px) and (max-width:1055px){.bsAVdP{width:40%;}.bsAVdP:last-child{width:50%;}} /* sc-component-id: SectionIntro__TextContainer-sc-984053a3-15 */ .jarkdj{padding-top:5.25rem;} @media (max-width:671px){.jarkdj{padding-top:0rem;}} @media (min-width:672px){.jarkdj{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;}} /* sc-component-id: SectionIntroVideo__Wrapper-sc-758b2703-0 */ .hWSrcu{background:linear-gradient(to bottom,transparent 40%,#f4f4f4 1.25rem);position:relative;bottom:270px;} @media screen and (max-width:1056px){.hWSrcu{bottom:0;}} /* sc-component-id: SectionIntroVideo__VideoDiv-sc-758b2703-1 */ .iCNJYo{width:100%;padding:0 0;} /* sc-component-id: SectionMovingForward__LinedListWrapper-sc-88e500c6-0 */ .dFacjF{height:100%;} .dFacjF ul li{height:100%;} .dFacjF ul li:last-child:before{height:101%;} /* sc-component-id: SectionMovingForward__ButtonGroupContainer-sc-88e500c6-1 */ .gjXvJJ{padding-top:1rem;} .gjXvJJ #ButtonGroup__CustomDownloadBtnContainer .button-primary,.gjXvJJ #ButtonGroup__CustomDownloadBtnContainer .button-secondary,.gjXvJJ #ButtonGroup__CustomDownloadBtnContainer .button-secondary-rebrand{-webkit-flex-direction:row;-ms-flex-direction:row;flex-direction:row;-webkit-box-pack:justify;-webkit-justify-content:space-between;-ms-flex-pack:justify;justify-content:space-between;} @media (max-width:720px) and (min-width:672px){.gjXvJJ #ButtonGroup__CustomDownloadBtnContainer .button-primary,.gjXvJJ #ButtonGroup__CustomDownloadBtnContainer .button-secondary,.gjXvJJ #ButtonGroup__CustomDownloadBtnContainer .button-secondary-rebrand{min-width:21rem;}} @media (min-width:672px) and (max-width:1055px){.gjXvJJ{padding-bottom:0.875rem;}} @media (max-width:672px){.gjXvJJ{padding-bottom:1rem;}.gjXvJJ #custom-download-btn-1{margin-bottom:0.5rem;}} @media (min-width:1057px){.gjXvJJ{width:640px;}} @media (min-width:672px) and (max-width:1056px){.gjXvJJ #custom-download-btn-1{width:295px;}.gjXvJJ #custom-download-btn-1 span{width:295px;}} /* sc-component-id: SectionMovingForward__Divider-sc-88e500c6-2 */ @media (min-width:672px) and (max-width:1055px){.eucJsq{display:none;}} /* sc-component-id: SectionMovingForward__Image-sc-88e500c6-3 */ .MwVez{position:relative;height:100%;width:100%;} /* sc-component-id: SectionMovingForward__ImageContainer-sc-88e500c6-4 */ .fZZHeq{position:relative;} @media (min-width:672px){} @media (max-width:671px){.fZZHeq{padding:0;display:none;}}.gMIraD{position:relative;} @media (min-width:672px){.gMIraD{display:none;}} @media (max-width:671px){.gMIraD{padding:0;}} /* sc-component-id: SectionMovingForward__LetterModal-sc-88e500c6-5 */ .fCPTHc.cds--modal .cds--modal-close{background-color:#0f62fe;} .fCPTHc.cds--modal .cds--modal-close svg{fill:#fff;} .fCPTHc.cds--modal .cds--modal-close:hover{background-color:#0353e9;} .fCPTHc.cds--modal .cds--modal-container .cds--modal-content{padding:0.625rem 6rem 0rem 6rem;margin-bottom:0rem;} .fCPTHc.cds--modal .cds--modal-scroll-content{-webkit-mask-image:none;mask-image:none;} .fCPTHc.cds--modal .cds--modal-footer{display:none;} /* sc-component-id: SectionMovingForward__Published-sc-88e500c6-6 */ .bIfYZo{font-size:0.875rem;font-weight:400;line-height:1.125rem;-webkit-letter-spacing:0.01rem;-moz-letter-spacing:0.01rem;-ms-letter-spacing:0.01rem;letter-spacing:0.01rem;padding-bottom:3rem;padding-left:1rem;} @media (max-width:1056px){.bIfYZo{display:none;}} /* sc-component-id: SectionMovingForward__Text-sc-88e500c6-7 */ .isrxZv{font-weight:400;line-height:1.5rem;padding-bottom:1rem;} @media (min-width:1056px){.isrxZv{width:82%;}} .isrxZv:last-child{padding-bottom:unset;} @media (min-width:1057px){.isrxZv{width:544px;}} /* sc-component-id: SectionMovingForward__TextContainer-sc-88e500c6-8 */ @media (min-width:672px) and (max-width:1055px){.MOhqK{padding-left:2.125rem !important;}} /* sc-component-id: SectionMovingForward__TextTitle-sc-88e500c6-9 */ .krhOzj{color:#007d79;font-size:2.625rem;font-weight:300;line-height:3.125rem;padding-bottom:2rem;} @media (min-width:1057px){.krhOzj{width:640px;}} /* sc-component-id: SectionMovingForward__Wrapper-sc-88e500c6-10 */ .cfqSwj{position:relative;} @media (min-width:1056px){.cfqSwj .section-moving-forward-background-image{object-position:left top;object-fit:contain;width:50% !important;}} @media (min-width:672px) and (max-width:1055px){.cfqSwj .section-moving-forward-background-image{object-position:left top;object-fit:contain;width:62% !important;}} @media (max-width:671px){.cfqSwj .section-moving-forward-background-image{object-position:right top;object-fit:contain;padding-left:10%;}} @media (min-width:1056px){.cfqSwj{padding-top:12.313rem;}} @media (min-width:672px) and (max-width:1055px){.cfqSwj{padding-top:15.5rem;padding-bottom:2.5rem;}} @media (max-width:671px){.cfqSwj{padding-top:4rem;}} /* sc-component-id: SectionTabs__MainContainer-sc-9f1c65a4-0 */ .hLMcgI{padding-top:3rem;position:relative;bottom:270px;margin-bottom:-165px;} @media screen and (max-width:1056px){.hLMcgI{bottom:0;margin-bottom:104px;}} /* sc-component-id: SectionTabs__TextContainer-sc-9f1c65a4-1 */ .hoyToO{padding-top:3.5rem;} @media (min-width:672px){.hoyToO{border-top:1px solid #c6c6c6;margin-top:4rem;}} /* sc-component-id: SectionTabs__Text-sc-9f1c65a4-2 */ .jhxgeC{font-weight:400;line-height:1.5rem;padding-bottom:1rem;} .jhxgeC:last-child{padding-bottom:unset;} /* sc-component-id: SectionTabs__AccordionWrapper-sc-9f1c65a4-3 */ .gbgIZA{width:100%;border-bottom:0.063rem solid #bebebe;} @media (min-width:672px){.gbgIZA{display:none;}} .gbgIZA #chartAccordionContainer img{-webkit-transform:scale(1.005);-ms-transform:scale(1.005);transform:scale(1.005);} /* sc-component-id: SectionTabs__TabWrapper-sc-9f1c65a4-4 */ @media (max-width:671px){.gjfLVR{display:none;}} .gjfLVR #chartContainer picture > img{-webkit-transform:scale(1.005);-ms-transform:scale(1.005);transform:scale(1.005);} /* sc-component-id: SectionTabs__TabsHeader-sc-9f1c65a4-5 */ .ikzXAh{color:#000;font-family:'IBM Plex Sans';font-size:20px;font-style:normal;font-weight:700;line-height:24px;padding-bottom:41px;} @media (max-width:1056px){.ikzXAh{padding-bottom:40px;}} @media (max-width:672px){.ikzXAh{padding-bottom:32px;}} /* sc-component-id: Page-styled__LeadspaceWrapper-sc-9433c2a4-0 */ .eKXTPI{position:relative;} .eKXTPI #basic-leadspace-breadcrumb-wrapper label,.eKXTPI #basic-leadspace-breadcrumb-wrapper span{font-size:1rem;font-weight:400;font-style:normal;line-height:1.5rem;color:#262626;} .eKXTPI #basic-leadspace-breadcrumb-wrapper span{-webkit-text-decoration-line:underline;text-decoration-line:underline;} .eKXTPI #basic-leadspace-text-container{padding-top:2rem;padding-bottom:1.813rem;} .eKXTPI #basic-leadspace-text-container .UIWrapperEditIconContainer{top:-1.2rem;right:-1.2rem;} @media (min-width:1056px){.eKXTPI #basic-leadspace-text-container{padding-bottom:3.938rem;}} @media (min-width:1056px){.eKXTPI #basic-leadspace-text-container{padding-bottom:6.5rem;}} .eKXTPI #basic-leadspace-text-container > :first-child{font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-style:normal;font-weight:300;font-size:2.5rem;line-height:3rem;padding-right:0;padding-bottom:1.875rem;} @media (min-width:672px){.eKXTPI #basic-leadspace-text-container > :first-child{padding-bottom:2rem;}} @media (min-width:1056px){.eKXTPI #basic-leadspace-text-container > :first-child{font-size:4rem;line-height:4.5rem;padding-bottom:3.938rem;}} .eKXTPI #basic-leadspace-text-container > :last-child{font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-style:normal;font-weight:400;font-size:1rem;line-height:1.5rem;text-indent:-0.5rem;padding-left:0.5rem;} @media (min-width:1056px){.eKXTPI #basic-leadspace-text-container > :last-child{width:70%;}} .eKXTPI #basic-leadspace-wrapper{padding-bottom:0;} .eKXTPI #basic-leadspace-wrapper #TitleTab-Id > :first-child{margin:2rem 0;} .eKXTPI #basic-leadspace-wrapper #action-button-set{margin-bottom:1.625rem;} @media (min-width:672px){.eKXTPI #basic-leadspace-wrapper #action-button-set{margin-bottom:3rem;}} .eKXTPI #basic-leadspace-wrapper #action-button-set .ActionButtonGroup__SecondActionButton{background-color:#0f62fe;color:#ffffff;} @media (max-width:877px){.eKXTPI #basic-leadspace-wrapper #action-button-set .cds--btn{margin-top:0;}} @media (min-width:1315px){.eKXTPI #basic-leadspace-wrapper #action-button-set .cds--btn{margin-top:0;}} .eKXTPI #basic-leadspace-wrapper #action-button-set .cds--tooltip-trigger__wrapper button{background-color:#393939;border-color:#393939;} .eKXTPI #basic-leadspace-wrapper #action-button-set .cds--tooltip-trigger__wrapper button svg{color:#ffffff;} .eKXTPI #basic-leadspace-wrapper #action-button-set > :last-child button{background-color:#393939;border-color:#393939;} .eKXTPI #basic-leadspace-wrapper #action-button-set > :last-child button svg{color:#ffffff;} /* sc-component-id: Page-styled__GridContainer-sc-9433c2a4-1 */ .jTqwsE{display:block;} @media (min-width:1056px){.jTqwsE{display:none;}} /* sc-component-id: PartnersSectionTabletTitle -styled__SectionTitleTabletContainer-sc-261f5b58-0 */ .dmYROb{margin-right:0;margin-left:0;} @media (min-width:672px){.dmYROb .grid-container__mobile-title{border-top:1px solid #c6c6c6;background-color:#e5f6ff;margin-top:3rem;}} @media (min-width:1056px){.dmYROb{display:none;}} /* sc-component-id: PartnersSectionTabletTitle -styled__TabletTitleGridContainer-sc-261f5b58-1 */ .qdCnN{border-top:1px solid #c6c6c6;background-color:#e5f6ff;padding-right:0;padding-left:0;margin-top:2.625rem;} @media (min-width:672px){.qdCnN{margin-top:3rem;}} @media (min-width:1056px){.qdCnN{display:none;}} /* sc-component-id: PartnersSectionTabletTitle -styled__SectionMainTitleTablet-sc-261f5b58-2 */ .bCkGJZ{font-family:'IBM Plex Sans','Helvetica Neue',Arial,sans-serif;font-style:normal;font-weight:400;display:block;padding:3rem 2.5rem 0 2.5rem;font-size:1.75rem;line-height:2.25rem;} @media 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Discover what C-suite leaders should be discussing across roles to drive success for their organiza...</p></div><div class="BlogCard__Row-sc-4d25cce-4 dCfYb"><div class="ibm-type-a ibm-textcolor-gray-50"></div><button class="BookmarkButton__Button-sc-29abfd8-0 fBLyVl BlogCard__BookmarkButton-sc-4d25cce-5 fTbABO" data-active="false"><svg class="fill svg" viewBox="0 0 20 28" version="1.1" xmlns="http://www.w3.org/2000/svg" xmlns:xlink="http://www.w3.org/1999/xlink"><defs><path d="M18,0 L2,0 C0.8954305,0 0,0.8954305 0,2 L0,28 L10,22.9444 L20,28 L20,2 C20,0.8954305 19.1045695,0 18,0 Z" id="path-2"></path></defs><g id="Icons" stroke="none" stroke-width="1" fill="none" fill-rule="evenodd"><g id="icons/tools/ibm-bookmark-link" transform="translate(-7.000000, -2.000000)"><g id="🎨Color" transform="translate(7.000000, 2.000000)"><mask id="mask-2" fill="white"><use xlink:href="#path-2"></use></mask><use id="Mask" fill="#4178BD" fill-rule="nonzero" xlink:href="#path-2"></use><g id="color/fill/black-core" mask="url(#mask-2)" class="color"><g transform="translate(-52.000000, -48.000000)" id="Fill-4"><polygon points="0 124 124 124 124 1.42108547e-14 0 1.42108547e-14" id="bookmark_polygon_244"></polygon></g></g></g></g></g></svg><svg class="ibv-boomkark-button--outline svg" viewBox="0 0 20 28" version="1.1" xmlns="http://www.w3.org/2000/svg" xmlns:xlink="http://www.w3.org/1999/xlink"><defs><path d="M18,2 L18,24.7478 L10.9023,21.16 L10,20.7034 L9.0976,21.1596 L2,24.7478 L2,2 L18,2 Z M18,0 L2,0 C0.8954305,0 0,0.8954305 0,2 L0,28 L10,22.9444 L20,28 L20,2 C20,0.8954305 19.1045695,0 18,0 Z" id="path-1"></path></defs><g id="Icons" stroke="none" stroke-width="1" fill="transparent" fill-rule="evenodd"><g id="icons/tools/ibm-bookmark-link" transform="translate(-7.000000, -2.000000)"><g id="🎨Color" transform="translate(7.000000, 2.000000)"><mask id="mask-1" fill="white"><use xlink:href="#path-1"></use></mask><use id="Mask" fill-rule="nonzero" xlink:href="#path-1"></use><g id="color/fill/black-core" mask="url(#mask-1)" class="color"><g transform="translate(-52.000000, -48.000000)" id="Fill-4"><polygon points="0 124 124 124 124 1.42108547e-14 0 1.42108547e-14" id="bookmark_polygon_244"></polygon></g></g></g></g></g></svg></button><div class="BlogCard__RightArrow-sc-4d25cce-6 fvonMT"><img src="/thought-leadership/institute-business-value/public/static/images/right-arrow-blue.webp"/></div></div></div></div></a></div><div class="ibv-grid-col-lg-16-4 ibv-grid-col-md-8-4 ibm-mb-2 report-list-item"><a href="/thought-leadership/institute-business-value/blog/mainframes-mainstays-digital-transformation" passhref="true"><div type="homepage" class="BlogCard__BlogCardDIV-sc-4d25cce-0 csDSKo"><div class="BlogCard__ImageContainer-sc-4d25cce-1 eKnHDi"><picture><img alt="default alternate image text" loading="lazy" width="0" height="0" decoding="async" data-nimg="fill" class="" style="position:absolute;height:100%;width:100%;left:0;top:0;right:0;bottom:0;object-fit:cover;color:transparent" sizes="(max-width: 1056px) 100vw, (max-width: 1584px) 100vw, 100vw" srcSet="/thought-leadership/institute-business-value/uploads/en/1196_Report_thumbnail_1456x728_b4a4b13958_c5df91b39c.png?w=320&q=75 320w, /thought-leadership/institute-business-value/uploads/en/1196_Report_thumbnail_1456x728_b4a4b13958_c5df91b39c.png?w=384&q=75 384w, /thought-leadership/institute-business-value/uploads/en/1196_Report_thumbnail_1456x728_b4a4b13958_c5df91b39c.png?w=672&q=75 672w, /thought-leadership/institute-business-value/uploads/en/1196_Report_thumbnail_1456x728_b4a4b13958_c5df91b39c.png?w=1056&q=75 1056w, /thought-leadership/institute-business-value/uploads/en/1196_Report_thumbnail_1456x728_b4a4b13958_c5df91b39c.png?w=1584&q=75 1584w" src="/thought-leadership/institute-business-value/uploads/en/1196_Report_thumbnail_1456x728_b4a4b13958_c5df91b39c.png?w=1584&q=75"/></picture></div><div id="blogcard_content_1" class="BlogCard__Content-sc-4d25cce-2 jyNDxA"><div class="BlogCard__Title-sc-4d25cce-3 dVSURw ibm-type-c ibm-type-c--tight ibm-nospacing ibm-pb-2"><h3 class="BlogCard__StyledH3-sc-4d25cce-7 kLjXkH"><strong>Mainframes are mainstays of digital transformation</strong></h3></div><div class="BlogCard__BlogBlurb-sc-4d25cce-8 jlwCkq"><p>Mainframes are driving digital transformation by enabling hybrid cloud optimization and AI innovation. 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1056px) 100vw, (max-width: 1584px) 100vw, 100vw" srcSet="/thought-leadership/institute-business-value/uploads/en/opmodel_blog_346cc5c197.jpg?w=320&q=75 320w, /thought-leadership/institute-business-value/uploads/en/opmodel_blog_346cc5c197.jpg?w=384&q=75 384w, /thought-leadership/institute-business-value/uploads/en/opmodel_blog_346cc5c197.jpg?w=672&q=75 672w, /thought-leadership/institute-business-value/uploads/en/opmodel_blog_346cc5c197.jpg?w=1056&q=75 1056w, /thought-leadership/institute-business-value/uploads/en/opmodel_blog_346cc5c197.jpg?w=1584&q=75 1584w" src="/thought-leadership/institute-business-value/uploads/en/opmodel_blog_346cc5c197.jpg?w=1584&q=75"/></picture></div><div id="blogcard_content_7" class="BlogCard__Content-sc-4d25cce-2 jyNDxA"><div class="BlogCard__Title-sc-4d25cce-3 dVSURw ibm-type-c ibm-type-c--tight ibm-nospacing ibm-pb-2"><h3 class="BlogCard__StyledH3-sc-4d25cce-7 kLjXkH"><strong>Your comfort zone is a danger zone</strong></h3></div><div 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Discover what C-suite leaders should be discussing across roles to drive success for their organizations with generative AI.","content":"\u003cp\u003e\u003cspan\u003eIn the era of gen AI, the most critical conversations might be the ones that aren't happening—and that's a risk business leaders can't afford to take.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan\u003eToday’s business leaders face a daunting challenge—harnessing the power of gen AI to drive growth and innovation while mitigating its risks. To succeed, executives must navigate complex technological landscapes and make smarter decisions that balance short-term and long-term goals.\u0026nbsp;\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan\u003eAnd now more than ever, they’ll need to work together.\u003c/span\u003e\u003c/p\u003e\u003ch2\u003e\u003cspan\u003eThe 2024 global C-suite study series\u0026nbsp;\u003c/span\u003e\u003c/h2\u003e\u003cp\u003e\u003cspan\u003eEvery year, researchers from the IBM Institute for Business Value conduct dozens of research studies to identify the challenges and opportunities currently facing enterprise executives.\u0026nbsp;\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan\u003eOver the course of this year, we surveyed more than 50,000 global leaders on topics ranging from the impact of gen AI on business models and talent development to the role of finance and technology for driving innovation and growth. The data from these surveys and interviews is synthesized into robust, reliable thought leadership reports that help leaders make smarter business decisions.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003ca target=\"_blank\" rel=\"noopener noreferrer\" href=\"https://www.ibm.com/thought-leadership/institute-business-value/en-us/c-suite-study\"\u003e\u003cspan\u003eOur 2024 C-suite series\u003c/span\u003e\u003c/a\u003e\u003cspan\u003e pinpoints key topics that CEOs ought to be discussing with their finance and tech leaders now as gen AI transforms industries and creates new opportunities for growth.\u003c/span\u003e\u003c/p\u003e\u003ch2\u003e\u003cspan\u003eWhen CEOs and CFOs meet over coffee, what should they talk about?\u003c/span\u003e\u003c/h2\u003e\u003cp\u003e\u003cspan\u003eCEOs and their CFOs must work together to determine their organization's risk tolerance and allocate finite budgets to drive growth and profitability in a gen AI-driven market. These two leaders need to prioritize investments in areas that can create the most value with gen AI, both in the short-term and long-term.\u0026nbsp;\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan\u003eThis includes investing in talent development and upskilling their workforce to ensure they have the right capabilities to take advantage of gen AI. For example, they may need to ignite a talent revolution by analyzing workforce data to identify skills gaps, and determining whether to “buy, build, borrow, or bot” to fill those gaps.\u0026nbsp;\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan\u003eThe conversation should also focus on how to make data the oxygen for their AI, and how to unlock AI potential with a unified data ecosystem. This involves discussing how to simplify data access, integration, and evaluation, and how to create a strong foundation for AI adoption.\u0026nbsp;\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan\u003eUltimately, the goal of these conversations is to drive business success in a rapidly changing world. By working together, CEOs and CFOs can create and fund a strategic plan that allocates resources effectively to drive growth and profitability. This will require a proactive, agile, and data-driven approach, but the payoff will be worth it.\u0026nbsp;\u003c/span\u003e\u003c/p\u003e\u003cfigure class=\"table\"\u003e\u003ctable\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd\u003e\u003cspan\u003eAs one CFO noted, “You have to be able to understand the levers of your business and how each and every decision impacts your business—and then which potential levers you would have to pull with what amount and quantity or volume in order to compensate for that.”\u003c/span\u003e\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/table\u003e\u003c/figure\u003e\u003ch2\u003e\u003cspan\u003eCEOs and tech execs should collaborate to reveal organizational blind spots\u003c/span\u003e\u003c/h2\u003e\u003cp\u003e\u003cspan\u003eAs the gen AI era takes hold, CEOs and their tech leaders must have an urgent conversation about the strategic implications of this technology. With 72% of CEOs saying competitive advantage depends on who has the most advanced gen AI, the stakes are high, and the insight tech leaders have is crucial input.\u0026nbsp;\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan\u003eIn many cases, tech leaders are being left out of critical leadership conversations. Their absence or ineffective participation has resulted in organizational blind spots in areas such as data, infrastructure, talent, and innovation.\u0026nbsp;\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan\u003eAs CEOs and tech leaders plan, key topics should include how to:\u0026nbsp;\u003c/span\u003e\u003cbr\u003e\u0026nbsp;\u003c/p\u003e\u003cul\u003e\u003cli\u003e\u003cspan\u003ePosition technology as essential to business outcomes and drive a culture of innovation.\u003c/span\u003e\u003c/li\u003e\u003cli\u003e\u003cspan\u003eDevelop a hybrid-by-design infrastructure that delivers the flexibility, security, and scalability necessary for growth.\u0026nbsp;\u003c/span\u003e\u003c/li\u003e\u003cli\u003e\u003cspan\u003ePrioritize a people-centric approach to technology operations that empowers their workforce.\u003c/span\u003e\u003c/li\u003e\u003cli\u003e\u003cspan\u003eDevelop a responsible AI framework that cultivates a culture of integrity and transparency.\u0026nbsp;\u003c/span\u003e\u003c/li\u003e\u003c/ul\u003e\u003cp\u003e\u003cbr\u003e\u003cspan\u003eDuring these conversations, tech leaders must position themselves as bold visionaries who can give life to a winning strategy by sharing their expertise. On the other side, CEOs must be willing to listen and adapt to the changing landscape driven by generative AI.\u003c/span\u003e\u003c/p\u003e\u003ch2\u003e\u003cspan\u003eTogether, CFOs and their tech exec colleagues can make 2+2 equal far more than 4\u003c/span\u003e\u003c/h2\u003e\u003cp\u003e\u003cspan\u003eCFOs who recognize technology's transformative power are more likely to seize first-mover advantages and define markets. As gen AI continues to disrupt traditional business models, CFOs and tech execs must have an urgent conversation about the strategic implications of this technology.\u0026nbsp;\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan\u003eMany CFOs are not fully leveraging technology to drive business outcomes. While 62% of CFOs say their organizations are under pressure to accelerate ROI across their technology portfolio, only 35% of finance organizations engage in early IT planning with tech leaders to set expectations on how technology advances enterprise strategy. This is a missed opportunity.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan\u003eTo drive business success in a rapidly changing world, CFOs and tech leaders must work together to champion tech as core to the business. This requires that CFOs shift from being financial overseers to strategic allies, where they work with their tech colleagues to drive transformation and support enterprise strategy with aligned technology initiatives.\u0026nbsp;\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan\u003eThese leaders must support modernized finance IT and updated financial systems with cloud-based ERP to consolidate standalone legacy applications and standardize and integrate existing and new applications.\u0026nbsp;\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan\u003eAs they discuss how to make execution the yin to strategy's yang, CFOs and tech leaders must prioritize investments that drive growth and profitability, determining their risk tolerance and placing big bets on technology investments that drive growth and profitability.\u0026nbsp;\u003c/span\u003e\u003c/p\u003e\u003ch2\u003e\u003cspan\u003eDiscover what C-suite leaders need to know—and do—to succeed in the age of gen AI\u003c/span\u003e\u003c/h2\u003e\u003cp\u003e\u003cspan\u003eThe future is on the line. Leaders’ abilities to insert their essential expertise into enterprise decisions will ultimately determine their organizations' success in the AI era.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan\u003eBut with the right strategy, leadership, and vision, organizations can thrive in this new era of technological disruption.\u0026nbsp;\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan\u003eRead our reports to gain a deeper understanding of the role each C-suite leader plays in this era of rapid technological change. Our research and insights will empower you to make informed decisions, drive transformative growth, and position your organization for long-term success.\u003c/span\u003e\u003cbr\u003e\u0026nbsp;\u003c/p\u003e\u003cul\u003e\u003cli\u003e\u003ca target=\"_blank\" rel=\"noopener noreferrer\" href=\"https://www.ibm.com/thought-leadership/institute-business-value/en-us/c-suite-study/ceo\"\u003e2024 CEO Study: 6 hard truths CEOs must face\u003c/a\u003e\u003c/li\u003e\u003cli\u003e\u003ca target=\"_blank\" rel=\"noopener noreferrer\" href=\"https://www.ibm.com/thought-leadership/institute-business-value/en-us/report/2024-cfo\"\u003e2024 CFO Study: 6 power moves CFOs must make\u003c/a\u003e\u003c/li\u003e\u003cli\u003e\u003ca target=\"_blank\" rel=\"noopener noreferrer\" href=\"https://www.ibm.com/thought-leadership/institute-business-value/en-us/report/cxo\"\u003e2024 Tech Leaders Study: 6 blind spots tech leaders must reveal\u003c/a\u003e\u003c/li\u003e\u003c/ul\u003e\u003cp\u003e\u003cbr\u003eAlso, \u003ca target=\"_blank\" rel=\"noopener noreferrer\" href=\"https://www.ibm.com/account/reg/us-en/signup?formid=urx-43376\"\u003esubscribe now\u003c/a\u003e to receive complimentary reports from the IBM Institute for Business Value that will help you drive business growth, innovation, and success.\u003cspan\u003e \u003c/span\u003e\u0026nbsp;\u003c/p\u003e","approved":true,"image_alt":"The AI agenda","thumbnail_alt":"The AI 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are mainstays of digital transformation","subtitle":"Discover why mainframes are the foundation for hybrid cloud optimization and AI innovation.","date":"2024-11-12T00:00:00.000Z","blurb":"Mainframes are driving digital transformation by enabling hybrid cloud optimization and AI innovation. Learn how to modernize and integrate mainframe applications to improve customer experiences, boost cybersecurity, and achieve higher ROI.","content":"\u003cp\u003e\u003cspan\u003eThe digital economy is shifting at an unprecedented pace, with mainframes handling 70% of the world's transactional workloads and AI processing up to 30,000 transactions per second.\u0026nbsp;\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan\u003eBut as transactional workloads continue to grow, mainframes are emerging as the linchpin of digital transformation, enabling organizations to drive business success and stay ahead of the competition.\u0026nbsp;\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan\u003eIn this era of rapid change, companies that fail to modernize and integrate their mainframe applications risk being left behind, stuck with outdated systems that can't keep up with the pace of innovation.\u003c/span\u003e\u003c/p\u003e\u003ch2\u003e\u003cspan\u003eThe backbone of digital transformation\u003c/span\u003e\u003c/h2\u003e\u003cp\u003e\u003cspan\u003eA \u003c/span\u003e\u003ca target=\"_blank\" rel=\"noopener noreferrer\" href=\"https://www.ibm.com/thought-leadership/institute-business-value/en-us/report/mainframe-hybrid-cloud\"\u003e\u003cspan\u003enew report\u003c/span\u003e\u003c/a\u003e\u003cspan\u003e from the IBM Institute for Business Value reveals the importance of mainframes in driving business innovation and growth.\u0026nbsp;\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan\u003eThe report explores how Adaptive Enterprises are thriving in a hybrid cloud world and provides guidance on how to modernize mainframe applications to unlock new revenue streams, improve customer experiences, and gain a competitive edge.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan\u003eHere's a preview of what you’ll find:\u003c/span\u003e\u003c/p\u003e\u003ch3\u003e\u003cspan\u003eIntegrating mainframe and cloud\u003c/span\u003e\u003c/h3\u003e\u003cp\u003e\u003cspan\u003eHybrid cloud architecture is the norm for most enterprises, offering flexibility but also introducing complexity. When built piecemeal, hybrid cloud environments can lead to fragmented systems, silos, and higher costs. A hybrid-by-design approach can overcome these challenges by aligning hybrid cloud and digital transformation with key business goals.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan\u003eThis approach recognizes the central role of mainframes in storing and sharing critical data and enables enterprise-wide integration. It allows organizations to leverage mainframe strengths in transaction processing and data security while harnessing the flexibility and scalability of public cloud-based solutions. A fit-for-purpose strategy ensures applications run in suitable environments.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan\u003eTo realize the benefits, leaders must adopt a business-centric mindset, where business priorities drive technology decisions. They must ensure enterprise-wide integration, assign workloads to suitable computing environments, and consolidate operations and unify security and compliance policies. By doing so, enterprises can unlock higher ROI and achieve positive results in these areas.\u003c/span\u003e\u003c/p\u003e\u003ch3\u003e\u003cspan\u003eAI and mainframes\u003c/span\u003e\u003c/h3\u003e\u003cp\u003e\u003cspan\u003eModern mainframes and AI are driving innovation and creating value together. IT executives rely on mainframes for storing and processing critical data and transactions, and are now turning to AI for enhanced decision-making, cybersecurity, and systems management. In fact, most IT executives agree that mainframes are essential for enabling AI-driven innovation and value creation.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan\u003eModern mainframes provide a robust foundation for AI in-transaction workloads, allowing organizations to leverage state-of-the-art AI in virtually every transaction. With AI accelerators on mainframes, organizations can scale processing power and effectively use traditional AI models, large language AI models, and new Ensemble AI methods. This enables accurate and precise business outcomes, such as detecting payment fraud.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan\u003eIn addition to driving business innovation, organizations are using AI with mainframes to enhance cybersecurity and operations. AI-powered mainframe management is becoming essential for innovating in fast-paced digital environments, with AI-powered automation, predictive analytics, and self-healing capabilities improving system reliability and optimizing workflows.\u0026nbsp;\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan\u003eBy integrating AI into mainframe operations, organizations can proactively detect and prevent issues, and transform system management and maintenance.\u0026nbsp;\u003c/span\u003e\u003c/p\u003e\u003ch2\u003e\u003cspan\u003eUnlock the full potential of digital transformation\u003c/span\u003e\u003c/h2\u003e\u003cp\u003e\u003ca target=\"_blank\" rel=\"noopener noreferrer\" href=\"https://www.ibm.com/thought-leadership/institute-business-value/en-us/report/mainframe-hybrid-cloud\"\u003e\u003cspan\u003eRead the full report\u003c/span\u003e\u003c/a\u003e\u003cspan\u003e to learn specific steps you can take to optimize business value, modernize applications, and enhance mainframe operations. The report also discusses how to meet sustainability goals and boost cybersecurity performance.\u0026nbsp;\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan\u003eAlso, \u003c/span\u003e\u003ca target=\"_blank\" rel=\"noopener noreferrer\" href=\"https://www.ibm.com/account/reg/us-en/signup?formid=urx-43376\"\u003e\u003cspan\u003esubscribe now\u003c/span\u003e\u003c/a\u003e\u003cspan\u003e to receive complimentary reports from the IBM Institute for Business Value that will help you drive business growth, innovation, and success.\u003c/span\u003e\u003c/p\u003e","approved":true,"image_alt":"Mainframes are mainstays of digital transformation","thumbnail_alt":"Mainframes are mainstays of digital 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reimagined, Powered by AI","subtitle":null,"date":"2024-11-11T00:00:00.000Z","blurb":"The consulting industry is on the cusp of an AI-powered transformation. Learn how to harness the power of AI to reimagine your consulting business and deliver greater value to clients.","content":"\u003cp\u003e\u003cspan\u003eThe consulting industry is undergoing a significant transformation, driven by the rapid advancement of AI. This transformation is giving rise to a new era of consulting, one that is rooted in what IBM calls the science of consulting – a rigorous, evidence-based, and technology-enabled approach to delivering value to clients.\u0026nbsp;\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan\u003eAs this technology continues to disrupt industries and professions, it presents both opportunities and challenges for consultants, including the need to adapt business models, skills, and delivery approaches to remain relevant.\u0026nbsp;\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan\u003eA \u003c/span\u003e\u003ca target=\"_blank\" rel=\"noopener noreferrer\" href=\"https://www.ibm.com/thought-leadership/institute-business-value/en-us/report/consulting-ai\"\u003e\u003cspan\u003enew report\u003c/span\u003e\u003c/a\u003e\u003cspan\u003e from the IBM Institute for Business Value explores how clients expect consultants to use AI to help them reimagine what's possible and deliver new forms of value creation.\u0026nbsp;\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan\u003eIn this blog post, we'll provide a preview of the report's key takeaways and actionable insights.\u003c/span\u003e\u003c/p\u003e\u003ch2\u003e\u003cspan\u003eThe rise of AI-enabled consulting\u003c/span\u003e\u003c/h2\u003e\u003cp\u003e\u003cspan\u003eExecutives are planning to increase their overall consulting spend. But in return, they want consultants to deliver greater value with AI. In fact, 89% of buyers expect consulting services to incorporate AI for improved productivity and quality.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan\u003eTo meet these expectations, consultants need to invest in developing AI-enabled capabilities that can be reused and adapted across multiple engagements.\u0026nbsp;\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan\u003eThis includes developing AI assistants that can augment human expertise, creating reusable AI models and platforms, and building a repository of AI-enabled assets that can be used across different clients and projects.\u003c/span\u003e\u003c/p\u003e\u003ch2\u003e\u003cspan\u003eA new dynamic\u003c/span\u003e\u003c/h2\u003e\u003cp\u003e\u003cspan\u003eThe traditional one-and-done consulting delivery model is giving way to a more symbiotic partnership between consultants and clients. In this new dynamic, consultants will focus on identifying widespread opportunities to improve business performance and designing solutions that deliver specific outcomes.\u0026nbsp;\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan\u003eThis shift requires a technology-driven approach focused on evidence-based experimentation, continuous iteration, and user-centric design. Consultants must also be willing to co-create value with clients through ongoing collaboration and iteration. Doing so will help them deliver sustained business impact and forge long-term relationships that are based on mutual respect.\u003c/span\u003e\u003c/p\u003e\u003ch2\u003e\u003cspan\u003eBuilding a foundation of trust\u003c/span\u003e\u003c/h2\u003e\u003cp\u003e\u003cspan\u003eAs consultants increasingly rely on AI to deliver services, building a foundation of trust with clients will become more important than ever. 93% of consulting buyers say they'll only use consulting services from organizations that are transparent in their use of AI.\u0026nbsp;\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan\u003eConsultants must prioritize governance, ethics, and security in their AI use, and ensure that clients understand how AI is used to drive value. This involves establishing clear policies and procedures for AI use, implementing robust data management and security protocols, and providing ongoing education and training to consultants on the responsible use of AI.\u0026nbsp;\u003c/span\u003e\u003c/p\u003e\u003ch2\u003e\u003cspan\u003eReboot your consulting strategy\u0026nbsp;\u003c/span\u003e\u003c/h2\u003e\u003cp\u003e\u003cspan\u003eRead the full report to learn more about how AI is redefining the consulting industry and what it means for your business.\u0026nbsp;\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan\u003eYou will also discover how you can work with partners and advisors who take a technology-fueled approach to consulting, and how to adapt your internal services model to consume internal services in the same way you are changing your use of consulting.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan\u003eAlso, \u003c/span\u003e\u003ca target=\"_blank\" rel=\"noopener noreferrer\" href=\"https://www.ibm.com/account/reg/us-en/signup?formid=urx-43376\"\u003e\u003cspan\u003esubscribe now\u003c/span\u003e\u003c/a\u003e\u003cspan\u003e to receive complimentary reports from the IBM Institute for Business Value that will help you drive business growth, innovation, and success. \u0026nbsp;\u003c/span\u003e\u003c/p\u003e","approved":true,"image_alt":"Consulting reimagined, Powered by AI","thumbnail_alt":"Consulting reimagined, Powered by AI","hideRelatedBlogs":false,"createdAt":"2024-10-17T16:24:22.210Z","updatedAt":"2024-11-08T12:56:50.431Z","author":[],"image":{"id":11739,"name":"1418_Blog 1456x728.png","alternativeText":null,"caption":null,"width":1457,"height":729,"formats":{"large":{"ext":".png","url":"/thought-leadership/institute-business-value/uploads/en/large_1418_Blog_1456x728_452e493e71.png","hash":"large_1418_Blog_1456x728_452e493e71","mime":"image/png","name":"large_1418_Blog 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1456x728.png","path":null,"size":74.63,"width":245,"height":123,"sizeInBytes":74628}},"hash":"1418_Blog_1456x728_f92925152f","ext":".png","mime":"image/png","size":454.08,"url":"/thought-leadership/institute-business-value/uploads/en/1418_Blog_1456x728_f92925152f.png","previewUrl":null,"provider":"strapi-provider-upload-ibv-cos","provider_metadata":null,"createdAt":"2024-10-18T15:09:16.549Z","updatedAt":"2024-10-18T15:09:16.549Z"},"mlinks":null,"assets":[]},{"id":207,"slug":"banking-small-medium-enterprises","title":"Banking for small and medium enterprises","subtitle":null,"date":"2024-11-08T00:00:00.000Z","blurb":"Discover how banks and fintech companies can better serve the unique needs of small and medium enterprises (SMEs) by leveraging data and AI to provide innovative solutions and expert support. Find out how to unlock new opportunities for growth, efficiency, and compliance.","content":"\u003cp\u003eSmall and medium enterprises (SMEs) form the backbone of the global economy, representing 90% of all firms, employing approximately 70% of the world’s workforce, and contributing 50% to global GDP. Despite the significant role SMEs play and the market relevance for banks, our recent study \u003ca target=\"_blank\" rel=\"noopener noreferrer\" href=\"https://www.ibm.com/thought-leadership/institute-business-value/en-us/report/small-medium-enterprises-banking\"\u003eBanking for Small and Medium Enterprises\u003c/a\u003e identifies divergent views among SMEs and the banks that serve them. Uncovering this white space presents an untapped opportunity for nimble institutions to compete in this varied market segment.\u003c/p\u003e\u003cp\u003eSMEs face many challenges that go beyond access to finance, and which demand innovative banking solutions. To guide banks and fintech in their business strategy and technology investments, our study\u0026nbsp;investigates the opinion of more than 1,200 SME owners and nearly 700 banking executives. Our research explores how SMEs imagine their primary banking relationship, and what they expect from their bank to grow, be efficient, meet compliance and risk management requirements.\u003c/p\u003e\u003ch2\u003eBanks as central actors in SME ecosystems\u003c/h2\u003e\u003cp\u003eOur findings reveal an interesting disparity between the perspectives of bankers and SMEs when it comes to choosing a bank. Overall, SMEs expect bankers to understand their unique business needs, offer tailored solutions, and facilitate networking with business partners and clients. In contrast, bankers tend to focus on the foundational aspects of banking, such as easy-to-use apps, dedicated banking managers, and the proximity of branches. Looking into survey data by jurisdiction, we observe nuances in the top three choices. SMEs in the US, the UK, France, and China also report branch proximity as one of their top three preferences. Many bank branches in major advanced economies have closed due to digital advancements and industry consolidation, often at a pace that does not align with how quickly clients are adapting to digital services. Conversely, SMEs in India highly value easy-to-use mobile apps, as the government-led intervention accelerated digital adoption throughout society.\u0026nbsp;\u003cbr\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u003cstrong\u003eSMEs prefer banks that demonstrate deeper understanding of their sector and business ecosystems.\u0026nbsp;\u003c/strong\u003e\u003c/p\u003e\u003cfigure class=\"image\"\u003e\u003cimg style=\"aspect-ratio:3000/2209;\" src=\"/thought-leadership/institute-business-value/uploads/en/x_It5_F0_BUIX_7_Fldq_Yk_Tw_En_Y0_P_bc27e3a7fb.png\" width=\"3000\" height=\"2209\"\u003e\u003c/figure\u003e\u003cp\u003e\u003cbr\u003eA widespread return to branch network expansion is unlikely, given client appreciation of the convenience and efficiency of digital banking. What is emerging is a blend of branch services, human relationships, and enhanced digital access to mold SME banking along the varied needs of their diverse clientele.\u0026nbsp;\u003c/p\u003e\u003ch2\u003eBanks as expert advisors to plan for growth\u0026nbsp;\u003c/h2\u003e\u003cp\u003e\u003cspan\u003eWhen it comes to the banking services that can facilitate growth, SME owners and managers tend to emphasize the importance of expert support in planning for expansion corroborated by market and economic analysis. In the US, key priorities include guidance for credit scoring, flexibility of funding options, and expert support in planning. Overall, SMEs recognize the role of banking stewardship as they seek trusted advisors who can provide counsel and navigate the complexities of business expansion. Fast access to funds also ranks high on their list of priorities, as SMEs need to minimize bureaucratic hurdles and save time. For these dynamic entrepreneurs, every moment counts, and cumbersome credit applications can be an obstacle to overcome.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan\u003e\u003cstrong\u003eBankers look inward, underestimating the SME need for fast money and expert advice to grow their businesses.\u0026nbsp;\u003c/strong\u003e\u003c/span\u003e\u003cbr\u003e\u0026nbsp;\u003c/p\u003e\u003cfigure class=\"image\"\u003e\u003cimg style=\"aspect-ratio:3000/2055;\" src=\"/thought-leadership/institute-business-value/uploads/en/w_Hu0f_ZQI_Z_Xpu_R_Pr_Y_Ub_Ob47k_72ef493d61.png\" width=\"3000\" height=\"2055\"\u003e\u003c/figure\u003e\u003ch2\u003eBanks as platforms beyond banking\u003c/h2\u003e\u003cp\u003e\u003cspan\u003eIn the pursuit of optimizing business efficiency, SMEs place a premium on instant payments and streamlined digital access to all banking and non-banking services. As such, comprehensive super apps seem to appeal to SMEs not only in emerging markets but also across EU countries. These centralized platforms could provide a wealth of benefits, including enhanced decision-making facilitated by data-driven insights and cash flow forecasts.\u003c/span\u003e\u003cbr\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u003cspan\u003e\u003cstrong\u003eSMEs recognize the value of integrated ecosystem platforms with banking and non-banking services.\u003c/strong\u003e\u003c/span\u003e\u003c/p\u003e\u003cfigure class=\"image\"\u003e\u003cimg style=\"aspect-ratio:3000/2056;\" src=\"/thought-leadership/institute-business-value/uploads/en/3_CL_ixit_V1jjv_J1_STH_6_C4jr_G_bbb63c49cc.png\" width=\"3000\" height=\"2056\"\u003e\u003c/figure\u003e\u003cp\u003eA platform experience that embeds banking and non-banking services in the context of the daily life of SME businesses can liberate them from complexities that can stifle productivity and innovation. With an integrated solution, SMEs can redirect their energies toward strategic growth, creativity, and competitiveness, rather than being bogged down by administrative tasks. And by adopting an ecosystem approach, banks can connect the dots to foster long-term relationships.\u0026nbsp;\u003c/p\u003e\u003cp\u003eWinning the banking future by scaling AI enterprise-wide requires strong technical and cultural foundations. A practical governance of AI guides banks in the continuum of innovation and use cases application.\u003c/p\u003e\u003ch2\u003eBanks as compliance solvers, not burdens\u003c/h2\u003e\u003cp\u003e\u003cspan\u003eFinally, the survey uncovers a gap between the SMEs and bankers relative to the value banks can bring to mitigating risks faced by SMEs and addressing their compliance concerns. While SMEs crave guidance and support to navigate the complexities of compliance obligations and make informed decisions about sustainability, they also crave enhanced confidence in fraud monitoring.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan\u003eConversely, bankers expect a greater interest from SMEs in insurance and financial hedging products. Rather than addressing these more advanced elements, SMEs first require guidance to address cumbersome compliance obligations.\u003c/span\u003e\u003cbr\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u003cspan\u003e\u003cstrong\u003eSMEs seek help to navigate regulatory complexity and sustainability considerations.\u0026nbsp;\u003c/strong\u003e\u003c/span\u003e\u003c/p\u003e\u003cfigure class=\"image\"\u003e\u003cimg style=\"aspect-ratio:3000/1820;\" src=\"/thought-leadership/institute-business-value/uploads/en/Yj_X8g_uzu_c_Yc_E_Ng_Vor_T_Si5_T_5e6a7889d3.png\" width=\"3000\" height=\"1820\"\u003e\u003c/figure\u003e\u003ch2\u003eThe value of time\u003c/h2\u003e\u003cp\u003eAs bankers define new strategies to compete in SME markets, one element of value for their clients emerges as a constant. Time is money for SMEs and helping SMEs to save time in consuming financial services, and beyond, is a critical added value that creates differentiated client trust.\u003cspan\u003e\u0026nbsp;\u003c/span\u003e\u003c/p\u003e\u003cp\u003eRead now \u003ca target=\"_blank\" rel=\"noopener noreferrer\" href=\"https://ibm.co/sme-banking\"\u003eBanking for small and medium enterprises – serving the world economy with data and AI\u003c/a\u003e.\u003c/p\u003e\u003cp\u003eOur study findings are also enriched by the expert opinion of 10 executives who joined IBM Institute for Business Value to discuss how banks compete in diverse, dynamic SME markets. \u003cspan\u003eRead now\u0026nbsp;\u003c/span\u003e\u003ca target=\"_blank\" rel=\"noopener noreferrer\" href=\"https://www.ibm.com/thought-leadership/institute-business-value/en-us/report/small-medium-enterprises-banking-makers\"\u003e\u003cspan\u003eThe Voice of the Makers\u003c/span\u003e\u003c/a\u003e\u003cspan\u003e to learn from their strategic perspectives.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan\u003eYou can\u0026nbsp;\u003c/span\u003e\u003ca target=\"_blank\" rel=\"noopener noreferrer\" href=\"https://www.ibm.com/account/reg/us-en/signup?formid=urx-43376\"\u003e\u003cspan\u003esubscribe now\u003c/span\u003e\u003c/a\u003e\u003cspan\u003e to our newsletter to receive our studies.\u003c/span\u003e\u003c/p\u003e","approved":true,"image_alt":"Banking for small and medium enterprises","thumbnail_alt":"Banking for small and medium enterprises","hideRelatedBlogs":false,"createdAt":"2024-10-16T14:19:47.997Z","updatedAt":"2024-11-12T17:22:59.709Z","author":[{"id":241,"name":"Paolo Sironi","email":"paolo.sironi@de.ibm.com","twitter":"","facebook":"","linkedin":"http://linkedin.com/in/thepsironi","featured":false,"priority":0,"title":"Global Research Leader, Banking and Financial Markets, IBM Institute for Business Value","image_alt":"Paolo Sironi","place_of_employment":"","bio":"","createdAt":"2018-12-15T01:58:39.655Z","updatedAt":"2024-11-12T17:59:31.246Z","image":{"id":11950,"name":"1662393887804.jpg","alternativeText":null,"caption":null,"width":800,"height":800,"formats":{"small":{"ext":".jpg","url":"/thought-leadership/institute-business-value/uploads/en/small_1662393887804_4118dcb3f6.jpg","hash":"small_1662393887804_4118dcb3f6","mime":"image/jpeg","name":"small_1662393887804.jpg","path":null,"size":35.71,"width":500,"height":500,"sizeInBytes":35709},"medium":{"ext":".jpg","url":"/thought-leadership/institute-business-value/uploads/en/medium_1662393887804_4118dcb3f6.jpg","hash":"medium_1662393887804_4118dcb3f6","mime":"image/jpeg","name":"medium_1662393887804.jpg","path":null,"size":71.38,"width":750,"height":750,"sizeInBytes":71376},"thumbnail":{"ext":".jpg","url":"/thought-leadership/institute-business-value/uploads/en/thumbnail_1662393887804_4118dcb3f6.jpg","hash":"thumbnail_1662393887804_4118dcb3f6","mime":"image/jpeg","name":"thumbnail_1662393887804.jpg","path":null,"size":5.6,"width":156,"height":156,"sizeInBytes":5595}},"hash":"1662393887804_4118dcb3f6","ext":".jpg","mime":"image/jpeg","size":82.24,"url":"/thought-leadership/institute-business-value/uploads/en/1662393887804_4118dcb3f6.jpg","previewUrl":null,"provider":"strapi-provider-upload-ibv-cos","provider_metadata":null,"createdAt":"2024-11-12T17:59:08.953Z","updatedAt":"2024-11-12T17:59:08.953Z"}}],"image":{"id":11679,"name":"1334_Blog 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1456x728@2x.png","path":null,"size":36.41,"width":245,"height":123,"sizeInBytes":36405}},"hash":"1334_Blog_thumbnail_1456x728_2x_9484056c26","ext":".png","mime":"image/png","size":1544.58,"url":"/thought-leadership/institute-business-value/uploads/en/1334_Blog_thumbnail_1456x728_2x_9484056c26.png","previewUrl":null,"provider":"strapi-provider-upload-ibv-cos","provider_metadata":null,"createdAt":"2024-10-16T15:51:15.161Z","updatedAt":"2024-10-16T15:51:15.161Z"},"thumbnail":{"id":11681,"name":"1334_Blog thumbnail 1456x728@2x.png","alternativeText":null,"caption":null,"width":2912,"height":1456,"formats":{"large":{"ext":".png","url":"/thought-leadership/institute-business-value/uploads/en/large_1334_Blog_thumbnail_1456x728_2x_ac46d53e12.png","hash":"large_1334_Blog_thumbnail_1456x728_2x_ac46d53e12","mime":"image/png","name":"large_1334_Blog thumbnail 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1456x728@2x.png","path":null,"size":303.27,"width":750,"height":375,"sizeInBytes":303269},"thumbnail":{"ext":".png","url":"/thought-leadership/institute-business-value/uploads/en/thumbnail_1334_Blog_thumbnail_1456x728_2x_ac46d53e12.png","hash":"thumbnail_1334_Blog_thumbnail_1456x728_2x_ac46d53e12","mime":"image/png","name":"thumbnail_1334_Blog thumbnail 1456x728@2x.png","path":null,"size":36.41,"width":245,"height":123,"sizeInBytes":36405}},"hash":"1334_Blog_thumbnail_1456x728_2x_ac46d53e12","ext":".png","mime":"image/png","size":1544.58,"url":"/thought-leadership/institute-business-value/uploads/en/1334_Blog_thumbnail_1456x728_2x_ac46d53e12.png","previewUrl":null,"provider":"strapi-provider-upload-ibv-cos","provider_metadata":null,"createdAt":"2024-10-16T15:52:24.601Z","updatedAt":"2024-10-16T15:52:24.601Z"},"mlinks":null,"assets":[]},{"id":241,"slug":"cost-of-compute","title":"Get a grip on the cost of compute","subtitle":"Move lightning-fast at a lower cost with gen AI and hybrid cloud","date":"2024-11-04T00:00:00.000Z","blurb":"Discover how to manage rising costs as gen AI becomes increasingly dependent on computing resources. Identify cost catalysts, mitigate expenses, and use hybrid cloud and optimization techniques to achieve scalability and affordability.","content":"\u003cp\u003e\u003cspan\u003eGenerative AI is shifting computing costs into high gear, and it's no longer solely an IT concern. The cost of compute is now a top priority for CEOs, as it can quickly lead to unexpected expenses that jeopardize innovation and business transformation.\u0026nbsp;\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan\u003eUnderstanding what drives the computing costs of gen AI can make all the difference in making informed investment decisions and setting strategic priorities.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003ca target=\"_blank\" rel=\"noopener noreferrer\" href=\"https://www.ibm.com/thought-leadership/institute-business-value/en-us/report/ceo-generative-ai/ceo-ai-cost-of-compute\"\u003e\u003cspan\u003eA new report\u003c/span\u003e\u003c/a\u003e\u003cspan\u003e from the IBM Institute for Business Value provides CEOs and business leaders with a comprehensive roadmap for managing the cost of compute and using generative AI to drive business transformation and innovation.\u003c/span\u003e\u003cbr\u003e\u0026nbsp;\u003c/p\u003e\u003ch2\u003e\u003cspan\u003eCatalyze the costs\u0026nbsp;\u003c/span\u003e\u003c/h2\u003e\u003cp\u003e\u003cspan\u003eTo effectively manage the cost of compute, CEOs need to pinpoint the factors driving up gen AI expenses and stay ahead of the curve as projects scale.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan\u003eThis includes identifying cost catalysts, such as data labeling, model customization, and training, then developing strategies to mitigate these expenses. It's also essential to recalibrate computing resources by conducting a full lifecycle cost assessment to preempt and anticipate compute needs.\u0026nbsp;\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan\u003eAdditionally, FinOps and cloud optimization can help reduce costs and improve efficiency. For example, deploying Kubernetes can help manage workloads and services in containers, reducing the need for manual intervention and minimizing downtime.\u003c/span\u003e\u003cbr\u003e\u0026nbsp;\u003c/p\u003e\u003ch2\u003e\u003cspan\u003eHybrid by design makes scaling gen AI affordable\u003c/span\u003e\u003c/h2\u003e\u003cp\u003e\u003cspan\u003eNot every application of generative AI is created equal. Each use case has its own unique compute, data, and privacy requirements.\u0026nbsp;\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan\u003eThat's why hybrid cloud, which allows organizations to use the most cost-effective infrastructure for every workload, is quickly becoming the go-to architecture for helping organizations achieve their gen AI goals at scale – without breaking the bank.\u0026nbsp;\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan\u003eTo make the most of hybrid cloud, CEOs should extend hybrid cloud architectural principles across their technology estate to ensure consistency and scalability, design for modularity and flexibility to accommodate changing compute requirements, and measure success with clarity by establishing clear cost objectives and performance metrics.\u003c/span\u003e\u003cbr\u003e\u0026nbsp;\u003c/p\u003e\u003ch2\u003e\u003cspan\u003eDon't let the cost of compute derail your gen AI plans\u003c/span\u003e\u003c/h2\u003e\u003cp\u003e\u003cspan\u003eUnderstanding the factors driving up expenses and taking control of your company's compute costs can empower you to unlock the full potential of your organization.\u0026nbsp;\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003ca target=\"_blank\" rel=\"noopener noreferrer\" href=\"https://www.ibm.com/thought-leadership/institute-business-value/en-us/report/ceo-generative-ai/ceo-ai-cost-of-compute\"\u003e\u003cspan\u003eRead the full report\u003c/span\u003e\u003c/a\u003e\u003cspan\u003e to learn more about the CEO's guide to cost of compute and discover how to use hybrid cloud, gen AI, and optimization to achieve your business goals.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan\u003eAlso, \u003c/span\u003e\u003ca target=\"_blank\" rel=\"noopener noreferrer\" href=\"https://www.ibm.com/account/reg/us-en/signup?formid=urx-43376\"\u003e\u003cspan\u003esubscribe now\u003c/span\u003e\u003c/a\u003e\u003cspan\u003e to receive \u003c/span\u003e\u003cspan style=\"background-color:#FCFCFC;color:black;\"\u003e\u003cspan\u003ecomplimentary reports from the IBM Institute for Business Value that will help you drive business growth, innovation, and success.\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e","approved":true,"image_alt":"Get a grip on the cost of compute","thumbnail_alt":"Get a grip on the cost of 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enterprise guide to AI governance","subtitle":"Building trust in a world of generative AI","date":"2024-10-22T00:00:00.000Z","blurb":"As generative AI becomes a business necessity, effective governance is crucial to building trust and mitigating potential regulatory and compliance issues. Learn how to establish accountability, transparency, and provenance in your organization's AI systems.","content":"\u003cp\u003e\u003cspan\u003eGenerative AI has rapidly become a business necessity, with 77% of leaders convinced that this tech is key to maintaining competitiveness.\u0026nbsp;\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan\u003eBut as adoption grows, so do the risks, making effective gen AI governance crucial to building trust and mitigating potential regulatory and compliance issues.\u0026nbsp;\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003ca target=\"_blank\" rel=\"noopener noreferrer\" href=\"https://www.ibm.com/thought-leadership/institute-business-value/en-us/report/ai-governance\"\u003e\u003cspan\u003eA new report\u003c/span\u003e\u003c/a\u003e\u003cspan\u003e from the IBM Institute for Business Value reveals the three essential trust factors for gen AI that can’t be ignored and clear actions you can take to address them.\u003c/span\u003e\u003c/p\u003e\u003ch2\u003e\u003cspan\u003eTrust factor 1: Accountability\u003c/span\u003e\u003c/h2\u003e\u003cp\u003e\u003cspan\u003eEstablishing clear accountability is the first step in managing AI governance. This means empowering a senior-level executive to lead AI and data governance initiatives and providing the necessary resources to support this mandate.\u0026nbsp;\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan\u003eBy building robust AI governance frameworks, organizations can minimize the risk of failure due to fragmented ownership and fuzzy accountability.\u0026nbsp;\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan\u003eIn fact, our research shows that 60% of C-suite executives have placed clearly defined gen AI champions throughout their organizations, and almost as many have a direct report responsible for organization-wide AI integration.\u003c/span\u003e\u003c/p\u003e\u003ch2\u003e\u003cspan\u003eTrust factor 2: Transparency\u003c/span\u003e\u003c/h2\u003e\u003cp\u003e\u003cspan\u003eTransparency is key to earning user trust in AI systems. This requires providing explainability—the ability of an AI system to offer insights that people can use to understand the causes of the system's predictions.\u0026nbsp;\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan\u003eTo achieve transparency, organizations must assemble a multidisciplinary AI governance team, including diverse experts from technical, ethical, and social domains. This team can help identify gaps faster, leverage existing governance mechanisms, and proactively head off unintended impacts.\u0026nbsp;\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan\u003eMoreover, training everyone in transparency is essential, as it enables employees to build or procure AI models responsibly and seek help when needed.\u003c/span\u003e\u003c/p\u003e\u003ch2\u003e\u003cspan\u003eTrust factor 3: Provenance\u003c/span\u003e\u003c/h2\u003e\u003cp\u003e\u003cspan\u003eProvenance—the ability to trace and verify the origins and history of data throughout its lifecycle—is essential for ensuring the trustworthiness of AI-generated insights and decisions.\u0026nbsp;\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan\u003eBy designing AI systems that facilitate human-AI collaboration and oversight, organizations can ensure that AI models are built and governed responsibly. This includes prioritizing AI output that is explainable and auditable, incentivizing employees to speak up if AI output is confusing, and providing appropriate communication channels.\u0026nbsp;\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan\u003eOrganizations must also recognize the importance of explainability, which informs provenance and enables people to trust AI outputs.\u003c/span\u003e\u003c/p\u003e\u003ch2\u003e\u003cspan\u003eSeizing the opportunity\u003c/span\u003e\u003c/h2\u003e\u003cp\u003e\u003cspan\u003eChampioning AI governance at the leadership level will enable organizations to create a foundation of trust that will unlock the full potential of generative AI.\u0026nbsp;\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003ca target=\"_blank\" rel=\"noopener noreferrer\" href=\"https://www.ibm.com/thought-leadership/institute-business-value/en-us/report/ai-governance\"\u003e\u003cspan\u003eRead the full report\u003c/span\u003e\u003c/a\u003e\u003cspan\u003e to learn more about how to address these three crucial trust factors, build confidence in AI governance, and unlock the power of generative AI.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan\u003eAlso, \u003c/span\u003e\u003ca target=\"_blank\" rel=\"noopener noreferrer\" href=\"https://www.ibm.com/account/reg/us-en/signup?formid=urx-43376\"\u003e\u003cspan\u003esubscribe now\u003c/span\u003e\u003c/a\u003e\u003cspan\u003e to receive complimentary reports from the IBM Institute for Business Value that will help you drive business growth, innovation, and success. \u0026nbsp;\u003c/span\u003e\u003c/p\u003e","approved":true,"image_alt":"The enterprise guide to AI governance","thumbnail_alt":"The enterprise guide to AI governance","hideRelatedBlogs":false,"createdAt":"2024-10-21T16:06:37.081Z","updatedAt":"2024-10-23T12:57:18.054Z","author":[],"image":{"id":11752,"name":"1366_Blog thumbnail 1456x728 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copy@2x.png","path":null,"size":102.81,"width":750,"height":375,"sizeInBytes":102808},"thumbnail":{"ext":".png","url":"/thought-leadership/institute-business-value/uploads/en/thumbnail_1366_Blog_thumbnail_1456x728_copy_2x_3b0ec3be0f.png","hash":"thumbnail_1366_Blog_thumbnail_1456x728_copy_2x_3b0ec3be0f","mime":"image/png","name":"thumbnail_1366_Blog thumbnail 1456x728 copy@2x.png","path":null,"size":20.85,"width":245,"height":123,"sizeInBytes":20854}},"hash":"1366_Blog_thumbnail_1456x728_copy_2x_3b0ec3be0f","ext":".png","mime":"image/png","size":362.4,"url":"/thought-leadership/institute-business-value/uploads/en/1366_Blog_thumbnail_1456x728_copy_2x_3b0ec3be0f.png","previewUrl":null,"provider":"strapi-provider-upload-ibv-cos","provider_metadata":null,"createdAt":"2024-10-21T16:23:23.559Z","updatedAt":"2024-10-21T16:23:23.559Z"},"mlinks":null,"assets":[]},{"id":173,"slug":"built-for-flexibility","title":"Built for flexibility","subtitle":"Hybrid-by-design operating models are tomorrow’s enterprise foundation","date":"2024-09-23T00:00:00.000Z","blurb":"Break free from traditional operating models that may be holding you back. Discover how hybrid by design can unlock innovation, collaboration, and speed.","content":"\u003cp\u003e\u003cspan\u003eTraditional operating models aren't equipped for today’s business.\u0026nbsp;\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan\u003eOur research found that a typical enterprise has an average of 78 handovers per major product initiative, so it's no wonder that speed and innovation are suffering. Moreover, these models often fail to engage millennials and Gen Z workers, who now comprise a significant portion of the workforce.\u003c/span\u003e\u003c/p\u003e\u003ch2\u003e\u003cspan\u003eA better scenario\u003c/span\u003e\u003c/h2\u003e\u003cp\u003e\u003cspan\u003eAcross industries, a hybrid-by-design approach–which combines the flexibility of a hybrid cloud environment and the design thinking and collaboration of a human-centered approach–is evolving to support the growing use of gen AI applications.\u0026nbsp;\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan\u003eThis requires a full redesign of operating models that goes beyond simply rethinking process flows. Leaders must also consider people and culture, with top-down encouragement and bottom-up embedding to drive change.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003ca target=\"_blank\" rel=\"noopener noreferrer\" href=\"https://www.ibm.com/thought-leadership/institute-business-value/en-us/report/hybrid-by-design/hybrid-by-design-operating-model\"\u003e\u003cspan\u003eIn the 5\u003csup\u003eth\u003c/sup\u003e chapter of our 5-part series on the power of gen AI in hybrid cloud\u003c/span\u003e\u003c/a\u003e\u003cspan\u003e, the IBM Institute for Business Value highlights the importance of adopting a hybrid-by-design approach to break down silos, eliminate handovers, and foster a culture of innovation and collaboration.\u003c/span\u003e\u003c/p\u003e\u003cfigure class=\"image\"\u003e\u003cimg style=\"aspect-ratio:1456/728;\" src=\"/thought-leadership/institute-business-value/uploads/en/1d_R_Xi_K999_Q_Qz_E_Nm_Jfw_RBA_eac109a913.jpg\" width=\"1456\" height=\"728\"\u003e\u003c/figure\u003e\u003cp\u003e\u003cbr\u003e\u003cspan\u003eHere’s a preview of the report:\u003c/span\u003e\u003c/p\u003e\u003ch2\u003e\u003cspan\u003eHack the handover\u003c/span\u003e\u003c/h2\u003e\u003cp\u003e\u003cspan\u003eHandoffs and indecision are killing velocity in today's operating models. Many enterprises are stuck in \"operating-model-by-default\" mode that leads to frustration, stagnation, and a lack of innovation. Decision-making is slow, and communication is muddled, with an average of six management layers between the C-suite and the front lines.\u0026nbsp;\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan\u003eA hybrid-by-design operating model can reduce handoffs and indecision by empowering the front lines, automating processes, and integrating data analysis and machine learning. In these models, you have a \"single pane of glass\" for centralized visibility, and process and workflow automation can reduce handoffs and free up employee time for more strategic work.\u0026nbsp;\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan\u003eThe outcome is a decrease in operating costs by 40% to 70% within six months. But to make this work, you need to hack the handover by mapping the money trail, editing ruthlessly, and unleashing the hackathon heroes.\u003c/span\u003e\u003c/p\u003e\u003ch2\u003e\u003cspan\u003eThe silent screams\u003c/span\u003e\u003c/h2\u003e\u003cp\u003e\u003cspan\u003eEmployee disengagement is a flashing red light on the organizational dashboard, signaling something is wrong with your operating model. Leaders must focus on the people delivering outcomes, rather than just chasing KPIs. Common culprits include bureaucracy, lack of empathy, and self-serving managers. Employees will show where the operating model needs work, and leaders must listen to their concerns.\u0026nbsp;\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan\u003eTo address these issues, leaders should put bureaucracy and hierarchy to bed by designing and documenting changes required for a hybrid-by-design operating model. This includes equipping employees for decentralized decision-making, incorporating anonymous feedback into AI models, and tracking key metrics such as idea leakage rate, fix-it-myself rate, and \"Yes, but...\" ratio.\u0026nbsp;\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan\u003eBy focusing on people and culture, you can create a culture of innovation and collaboration that drives business outcomes.\u003c/span\u003e\u003c/p\u003e\u003ch2\u003e\u003cspan\u003eDon’t let your operating model hold you back\u003c/span\u003e\u003c/h2\u003e\u003cp\u003e\u003ca target=\"_blank\" rel=\"noopener noreferrer\" href=\"https://www.ibm.com/thought-leadership/institute-business-value/en-us/report/hybrid-by-design/hybrid-by-design-operating-model\"\u003e\u003cspan\u003eDownload this report\u003c/span\u003e\u003c/a\u003e\u003cspan\u003e – Built for flexibility: Why hybrid-by-design operating models are tomorrow’s enterprise foundation – to discover what a hybrid-by-design operating models can do for your organization.\u0026nbsp;\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan\u003eAlso, \u003c/span\u003e\u003ca target=\"_blank\" rel=\"noopener noreferrer\" href=\"https://www.ibm.com/account/reg/us-en/signup?formid=urx-43376\"\u003e\u003cspan\u003esubscribe now\u003c/span\u003e\u003c/a\u003e\u003cspan\u003e to receive complimentary reports from the IBM Institute for Business Value that will help you drive business growth, innovation, and success.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e","approved":true,"image_alt":null,"thumbnail_alt":null,"hideRelatedBlogs":false,"createdAt":"2024-09-18T17:42:23.630Z","updatedAt":"2024-10-01T20:57:45.297Z","author":[],"image":{"id":11446,"name":"1371_CategoryThumbnail_1456x728.jpg","alternativeText":null,"caption":null,"width":2912,"height":1456,"formats":{"large":{"ext":".jpg","url":"/thought-leadership/institute-business-value/uploads/en/large_1371_Category_Thumbnail_1456x728_ad5e0b3d2b.jpg","hash":"large_1371_Category_Thumbnail_1456x728_ad5e0b3d2b","mime":"image/jpeg","name":"large_1371_CategoryThumbnail_1456x728.jpg","path":null,"size":34.66,"width":1000,"height":500,"sizeInBytes":34656},"small":{"ext":".jpg","url":"/thought-leadership/institute-business-value/uploads/en/small_1371_Category_Thumbnail_1456x728_ad5e0b3d2b.jpg","hash":"small_1371_Category_Thumbnail_1456x728_ad5e0b3d2b","mime":"image/jpeg","name":"small_1371_CategoryThumbnail_1456x728.jpg","path":null,"size":13.99,"width":500,"height":250,"sizeInBytes":13989},"medium":{"ext":".jpg","url":"/thought-leadership/institute-business-value/uploads/en/medium_1371_Category_Thumbnail_1456x728_ad5e0b3d2b.jpg","hash":"medium_1371_Category_Thumbnail_1456x728_ad5e0b3d2b","mime":"image/jpeg","name":"medium_1371_CategoryThumbnail_1456x728.jpg","path":null,"size":24,"width":750,"height":375,"sizeInBytes":23997},"thumbnail":{"ext":".jpg","url":"/thought-leadership/institute-business-value/uploads/en/thumbnail_1371_Category_Thumbnail_1456x728_ad5e0b3d2b.jpg","hash":"thumbnail_1371_Category_Thumbnail_1456x728_ad5e0b3d2b","mime":"image/jpeg","name":"thumbnail_1371_CategoryThumbnail_1456x728.jpg","path":null,"size":6.05,"width":245,"height":123,"sizeInBytes":6049}},"hash":"1371_Category_Thumbnail_1456x728_ad5e0b3d2b","ext":".jpg","mime":"image/jpeg","size":133.21,"url":"/thought-leadership/institute-business-value/uploads/en/1371_Category_Thumbnail_1456x728_ad5e0b3d2b.jpg","previewUrl":null,"provider":"strapi-provider-upload-ibv-cos","provider_metadata":null,"createdAt":"2024-09-20T19:11:25.673Z","updatedAt":"2024-09-20T19:11:25.673Z"},"thumbnail":{"id":11445,"name":"1371_CategoryThumbnail_1456x728.jpg","alternativeText":null,"caption":null,"width":2912,"height":1456,"formats":{"large":{"ext":".jpg","url":"/thought-leadership/institute-business-value/uploads/en/large_1371_Category_Thumbnail_1456x728_cc39a27c85.jpg","hash":"large_1371_Category_Thumbnail_1456x728_cc39a27c85","mime":"image/jpeg","name":"large_1371_CategoryThumbnail_1456x728.jpg","path":null,"size":34.66,"width":1000,"height":500,"sizeInBytes":34656},"small":{"ext":".jpg","url":"/thought-leadership/institute-business-value/uploads/en/small_1371_Category_Thumbnail_1456x728_cc39a27c85.jpg","hash":"small_1371_Category_Thumbnail_1456x728_cc39a27c85","mime":"image/jpeg","name":"small_1371_CategoryThumbnail_1456x728.jpg","path":null,"size":13.99,"width":500,"height":250,"sizeInBytes":13989},"medium":{"ext":".jpg","url":"/thought-leadership/institute-business-value/uploads/en/medium_1371_Category_Thumbnail_1456x728_cc39a27c85.jpg","hash":"medium_1371_Category_Thumbnail_1456x728_cc39a27c85","mime":"image/jpeg","name":"medium_1371_CategoryThumbnail_1456x728.jpg","path":null,"size":24,"width":750,"height":375,"sizeInBytes":23997},"thumbnail":{"ext":".jpg","url":"/thought-leadership/institute-business-value/uploads/en/thumbnail_1371_Category_Thumbnail_1456x728_cc39a27c85.jpg","hash":"thumbnail_1371_Category_Thumbnail_1456x728_cc39a27c85","mime":"image/jpeg","name":"thumbnail_1371_CategoryThumbnail_1456x728.jpg","path":null,"size":6.05,"width":245,"height":123,"sizeInBytes":6049}},"hash":"1371_Category_Thumbnail_1456x728_cc39a27c85","ext":".jpg","mime":"image/jpeg","size":133.21,"url":"/thought-leadership/institute-business-value/uploads/en/1371_Category_Thumbnail_1456x728_cc39a27c85.jpg","previewUrl":null,"provider":"strapi-provider-upload-ibv-cos","provider_metadata":null,"createdAt":"2024-09-20T19:10:42.029Z","updatedAt":"2024-09-20T19:10:42.029Z"},"mlinks":null,"assets":[]},{"id":172,"slug":"ceos-rethink-operating-model","title":"Your comfort zone is a danger zone","subtitle":"Why CEOs must rethink their operating model for generative AI","date":"2024-09-17T00:00:00.000Z","blurb":"Are CEOs ready to reimagine workflows and decision-making processes to make the most of gen AI?","content":"\u003cp\u003e\u003cspan\u003eToss out the old playbook. As generative AI invites people to integrate technology into everything they do, siloed, top-down decision-making has become a barrier to innovation. Hierarchical structures and linear processes that once drove success are now recipes for sluggishness and failure.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan\u003eThe question is, are CEOs ready to reimagine workflows and decision-making processes to make the most of gen AI?\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan\u003eThe \u003c/span\u003e\u003ca target=\"_blank\" rel=\"noopener noreferrer\" href=\"https://www.ibm.com/thought-leadership/institute-business-value/en-us/report/ceo-generative-ai/ceo-ai-enterprise-operating-model\"\u003e\u003cspan\u003elatest installment\u003c/span\u003e\u003c/a\u003e\u003cspan\u003e of the CEO’s guide to generative AI from the IBM Institute for Business Value reveals how organizations can create the agile, adaptive, and interconnected operating models needed to embrace gen AI—while keeping chaos in check.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan\u003eHere are just a couple of key takeaways from the report:\u003c/span\u003e\u003c/p\u003e\u003ch2\u003e\u003cspan\u003eReboot how your organization operates\u003c/span\u003e\u003c/h2\u003e\u003cp\u003e\u003cspan style=\"color:black;\"\u003eYou can’t run tomorrow’s business with yesterday’s operating model, meaning that CEOs must rethink their approach. It’s tempting to harness\u003c/span\u003e\u003cspan style=\"background-color:white;color:#222222;\"\u003e the power of gen AI through centralized structures and deployment processes, but these are rarely consistent with the open innovation that is essential to transform workflows with gen AI.\u0026nbsp;\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan style=\"background-color:white;color:#222222;\"\u003eInstead, explore hybrid deployment models, such as the \"hub and spoke\" approach, in which a central team is responsible for developing, training, and maintaining gen AI models, while decentralized, cross-functional spoke teams focus on deploying, integrating, and customizing the models to meet specific needs.\u003c/span\u003e\u003c/p\u003e\u003cfigure class=\"image\"\u003e\u003cimg style=\"aspect-ratio:1473/737;\" src=\"/thought-leadership/institute-business-value/uploads/en/q_f_Mjz_ZV_Gsasawsb5_L_J74_O8_59c607acca.png\" width=\"1473\" height=\"737\"\u003e\u003c/figure\u003e\u003cp\u003e\u003cbr\u003e\u003cspan style=\"background-color:white;color:#222222;\"\u003eThese approaches can accelerate progress by balancing standardization and control with the need for flexibility and adaptability of gen AI tools across different business use cases.\u0026nbsp;\u003c/span\u003e\u003c/p\u003e\u003ch2\u003e\u003cspan\u003eScaling gen AI is everyone’s job\u003c/span\u003e\u003c/h2\u003e\u003cp\u003e\u003cspan\u003eAs gen AI frees people to focus on higher-value tasks, roles are evolving faster than executives can update the org chart. The automation of routine tasks is putting greater emphasis on skills like creativity and critical thinking—and bringing a broader set of leaders into the gen AI conversation.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan\u003eOrganizations must evolve their operating models to enable a cross-enterprise approach to gen AI adoption. This means breaking down silos and fostering a culture of collaboration and coordination. Leaders must establish clear goals and objectives for gen AI initiatives and provide a roadmap for implementation that aligns with business strategy.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan\u003eEmpowering people to drive transformation is key. Fostering a collaborative culture of shared responsibility, inclusivity, and proactive engagement is essential. This means encouraging collective ownership of gen AI initiatives, giving executives and managers the education they need to become internal gen AI experts, and creating a participatory culture that encourages tackling the challenges of gen AI head-on.\u003c/span\u003e\u003c/p\u003e\u003ch2\u003e\u003cspan\u003eChange the rules of the game\u003c/span\u003e\u003c/h2\u003e\u003cp\u003e\u003cspan\u003eThe rise of gen AI is disrupting traditional business models. To stay ahead, CEOs must reimagine their operating models and empower their teams.\u0026nbsp;\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003ca target=\"_blank\" rel=\"noopener noreferrer\" href=\"https://www.ibm.com/thought-leadership/institute-business-value/en-us/report/ceo-generative-ai/ceo-ai-enterprise-operating-model\"\u003e\u003cspan\u003eRead the full report\u003c/span\u003e\u003c/a\u003e\u003cspan\u003e to discover the three things CEOs need to know and three things they need to do now to evolve their operating model for the gen AI era.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan\u003eAlso, \u003c/span\u003e\u003ca target=\"_blank\" rel=\"noopener noreferrer\" href=\"https://www.ibm.com/account/reg/us-en/signup?formid=urx-43376\"\u003e\u003cspan\u003esubscribe now\u003c/span\u003e\u003c/a\u003e\u003cspan\u003e to receive complimentary reports from the IBM Institute for Business Value that will help you drive business growth, innovation, and success.\u003c/span\u003e\u003c/p\u003e","approved":true,"image_alt":" operating model for generative AI","thumbnail_alt":" operating model for generative AI","hideRelatedBlogs":false,"createdAt":"2024-09-12T19:53:18.224Z","updatedAt":"2024-10-16T12:17:09.808Z","author":[],"image":{"id":11409,"name":"opmodel-blog.jpg","alternativeText":null,"caption":null,"width":1456,"height":728,"formats":{"large":{"ext":".jpg","url":"/thought-leadership/institute-business-value/uploads/en/large_opmodel_blog_15f81846a8.jpg","hash":"large_opmodel_blog_15f81846a8","mime":"image/jpeg","name":"large_opmodel-blog.jpg","path":null,"size":27.23,"width":1000,"height":500,"sizeInBytes":27230},"small":{"ext":".jpg","url":"/thought-leadership/institute-business-value/uploads/en/small_opmodel_blog_15f81846a8.jpg","hash":"small_opmodel_blog_15f81846a8","mime":"image/jpeg","name":"small_opmodel-blog.jpg","path":null,"size":9.99,"width":500,"height":250,"sizeInBytes":9990},"medium":{"ext":".jpg","url":"/thought-leadership/institute-business-value/uploads/en/medium_opmodel_blog_15f81846a8.jpg","hash":"medium_opmodel_blog_15f81846a8","mime":"image/jpeg","name":"medium_opmodel-blog.jpg","path":null,"size":18.28,"width":750,"height":375,"sizeInBytes":18281},"thumbnail":{"ext":".jpg","url":"/thought-leadership/institute-business-value/uploads/en/thumbnail_opmodel_blog_15f81846a8.jpg","hash":"thumbnail_opmodel_blog_15f81846a8","mime":"image/jpeg","name":"thumbnail_opmodel-blog.jpg","path":null,"size":3.56,"width":245,"height":123,"sizeInBytes":3562}},"hash":"opmodel_blog_15f81846a8","ext":".jpg","mime":"image/jpeg","size":49.39,"url":"/thought-leadership/institute-business-value/uploads/en/opmodel_blog_15f81846a8.jpg","previewUrl":null,"provider":"strapi-provider-upload-ibv-cos","provider_metadata":null,"createdAt":"2024-09-12T20:08:05.422Z","updatedAt":"2024-09-12T20:08:05.422Z"},"thumbnail":{"id":11410,"name":"opmodel-blog.jpg","alternativeText":null,"caption":null,"width":1456,"height":728,"formats":{"large":{"ext":".jpg","url":"/thought-leadership/institute-business-value/uploads/en/large_opmodel_blog_346cc5c197.jpg","hash":"large_opmodel_blog_346cc5c197","mime":"image/jpeg","name":"large_opmodel-blog.jpg","path":null,"size":27.23,"width":1000,"height":500,"sizeInBytes":27230},"small":{"ext":".jpg","url":"/thought-leadership/institute-business-value/uploads/en/small_opmodel_blog_346cc5c197.jpg","hash":"small_opmodel_blog_346cc5c197","mime":"image/jpeg","name":"small_opmodel-blog.jpg","path":null,"size":9.99,"width":500,"height":250,"sizeInBytes":9990},"medium":{"ext":".jpg","url":"/thought-leadership/institute-business-value/uploads/en/medium_opmodel_blog_346cc5c197.jpg","hash":"medium_opmodel_blog_346cc5c197","mime":"image/jpeg","name":"medium_opmodel-blog.jpg","path":null,"size":18.28,"width":750,"height":375,"sizeInBytes":18281},"thumbnail":{"ext":".jpg","url":"/thought-leadership/institute-business-value/uploads/en/thumbnail_opmodel_blog_346cc5c197.jpg","hash":"thumbnail_opmodel_blog_346cc5c197","mime":"image/jpeg","name":"thumbnail_opmodel-blog.jpg","path":null,"size":3.56,"width":245,"height":123,"sizeInBytes":3562}},"hash":"opmodel_blog_346cc5c197","ext":".jpg","mime":"image/jpeg","size":49.39,"url":"/thought-leadership/institute-business-value/uploads/en/opmodel_blog_346cc5c197.jpg","previewUrl":null,"provider":"strapi-provider-upload-ibv-cos","provider_metadata":null,"createdAt":"2024-09-12T20:09:01.937Z","updatedAt":"2024-09-12T20:09:01.937Z"},"mlinks":null,"assets":[]},{"id":170,"slug":"6-power-moves-cfos","title":"6 power moves CFOs must make","subtitle":"Tackling hard truths in the generative AI era ","date":"2024-09-14T00:00:00.000Z","blurb":"Finance leaders must be both guardians of stability and agents of change, working with CIOs, CTOs, and other IT leaders to supercharge technology as the transformative force in their organization.","content":"\u003cp\u003e\u003cspan\u003eThe generative AI era has arrived, and it's a make-or-break moment for CFOs. Finance leaders must be both guardians of stability and agents of change, working hand-in-glove with CIOs, CTOs, and other IT leaders to supercharge technology as the transformative force in their organization.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan\u003eAs part of our global C-suite series, the 2024 CFO Study from the IBM Institute for Business Value reveals that leading CFOs are already making powerful moves to drive innovation and prepare for the future. But what sets these leaders apart, and how can other CFOs follow their lead?\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan\u003eOur report explores six power moves that CFOs must make to succeed in this era.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan\u003eHere’s a preview of the first two moves:\u003c/span\u003e\u003c/p\u003e\u003ch2\u003e\u003cspan\u003ePower move #1: Champion tech as core\u003c/span\u003e\u003c/h2\u003e\u003cp\u003e\u003cspan\u003eWhen organizations treat technology as an enabler, they risk missing out on new opportunities and falling behind the competition. By recognizing technology as the transformative force at the core of innovation, organizations can seize first-mover advantages, define markets, and gain economies of scale.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan\u003eTo champion tech as core, CFOs should proactively advocate for tech leaders' expertise in the boardroom, integrating evaluation, investment, and planning to ensure that technology initiatives align with the company's overall strategy. By doing so, CFOs can form a powerful coalition with CTOs, CISOs, and other tech leaders to drive growth.\u0026nbsp;\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan\u003eThis requires a shift in mindset, from evaluating tech investments solely on financial returns to considering the broader operational, customer, and financial impacts. By taking this holistic approach, CFOs can harness the potential of technology, inform strategy, and capture value, ultimately driving innovation and competitiveness.\u003c/span\u003e\u003c/p\u003e\u003ch2\u003e\u003cspan\u003ePower move #2: Make execution the yin to strategy's yang\u003c/span\u003e\u003c/h2\u003e\u003cp\u003e\u003cspan\u003eAs CEOs accelerate transformational objectives, CFOs must balance precision and agility while navigating a variety of new factors that influence operations.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan\u003eThat’s easier said than done, and will require CFOs to adopt a more agile and adaptive approach to strategy execution. This means partnering across business units to translate high-level goals into financial targets and metrics while enforcing financial discipline by monitoring performance against objectives and benchmarks.\u0026nbsp;\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan\u003eBy promoting a culture of accountability and empowering leaders to take ownership of their decisions and outcomes, CFOs can drive business evolution and ensure that execution is a reality, not just a promise.\u003c/span\u003e\u003c/p\u003e\u003ch2\u003e\u003cspan\u003eStart making moves\u003c/span\u003e\u003c/h2\u003e\u003cp\u003e\u003ca target=\"_blank\" rel=\"noopener noreferrer\" href=\"https://www.ibm.com/thought-leadership/institute-business-value/en-us/c-suite-study/cfo\"\u003e\u003cspan\u003eRead the 2024 CFO Study\u003c/span\u003e\u003c/a\u003e\u003cspan\u003e to learn more about the six power moves that CFOs must make in the generative AI era. The report also contains the findings of our survey of 2,000 CFOs and case studies about how finance leaders are driving transformation across industries.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan\u003eAlso, \u003c/span\u003e\u003ca target=\"_blank\" rel=\"noopener noreferrer\" href=\"https://www.ibm.com/account/reg/us-en/signup?formid=urx-43376\"\u003e\u003cspan\u003esubscribe now\u003c/span\u003e\u003c/a\u003e\u003cspan\u003e to receive \u003c/span\u003e\u003cspan style=\"background-color:#FCFCFC;color:black;\"\u003e\u003cspan\u003ecomplimentary reports from the IBM Institute for Business Value that will help you drive business growth, innovation, and success.\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e","approved":true,"image_alt":"6 power moves CFOs must make","thumbnail_alt":"6 power moves CFOs must make","hideRelatedBlogs":false,"createdAt":"2024-09-12T13:23:49.381Z","updatedAt":"2024-09-13T12:22:19.821Z","author":[],"image":{"id":11400,"name":"CFO_Blog.jpg","alternativeText":null,"caption":null,"width":6069,"height":3035,"formats":{"large":{"ext":".jpg","url":"/thought-leadership/institute-business-value/uploads/en/large_CFO_Blog_717356b495.jpg","hash":"large_CFO_Blog_717356b495","mime":"image/jpeg","name":"large_CFO_Blog.jpg","path":null,"size":58.03,"width":1000,"height":500,"sizeInBytes":58033},"small":{"ext":".jpg","url":"/thought-leadership/institute-business-value/uploads/en/small_CFO_Blog_717356b495.jpg","hash":"small_CFO_Blog_717356b495","mime":"image/jpeg","name":"small_CFO_Blog.jpg","path":null,"size":21.29,"width":500,"height":250,"sizeInBytes":21290},"medium":{"ext":".jpg","url":"/thought-leadership/institute-business-value/uploads/en/medium_CFO_Blog_717356b495.jpg","hash":"medium_CFO_Blog_717356b495","mime":"image/jpeg","name":"medium_CFO_Blog.jpg","path":null,"size":38.72,"width":750,"height":375,"sizeInBytes":38723},"thumbnail":{"ext":".jpg","url":"/thought-leadership/institute-business-value/uploads/en/thumbnail_CFO_Blog_717356b495.jpg","hash":"thumbnail_CFO_Blog_717356b495","mime":"image/jpeg","name":"thumbnail_CFO_Blog.jpg","path":null,"size":6.95,"width":245,"height":123,"sizeInBytes":6945}},"hash":"CFO_Blog_717356b495","ext":".jpg","mime":"image/jpeg","size":681.5,"url":"/thought-leadership/institute-business-value/uploads/en/CFO_Blog_717356b495.jpg","previewUrl":null,"provider":"strapi-provider-upload-ibv-cos","provider_metadata":null,"createdAt":"2024-09-12T13:32:57.999Z","updatedAt":"2024-09-12T13:32:57.999Z"},"thumbnail":{"id":11401,"name":"CFO_Blog.jpg","alternativeText":null,"caption":null,"width":6069,"height":3035,"formats":{"large":{"ext":".jpg","url":"/thought-leadership/institute-business-value/uploads/en/large_CFO_Blog_0b8fbca4f2.jpg","hash":"large_CFO_Blog_0b8fbca4f2","mime":"image/jpeg","name":"large_CFO_Blog.jpg","path":null,"size":58.03,"width":1000,"height":500,"sizeInBytes":58033},"small":{"ext":".jpg","url":"/thought-leadership/institute-business-value/uploads/en/small_CFO_Blog_0b8fbca4f2.jpg","hash":"small_CFO_Blog_0b8fbca4f2","mime":"image/jpeg","name":"small_CFO_Blog.jpg","path":null,"size":21.29,"width":500,"height":250,"sizeInBytes":21290},"medium":{"ext":".jpg","url":"/thought-leadership/institute-business-value/uploads/en/medium_CFO_Blog_0b8fbca4f2.jpg","hash":"medium_CFO_Blog_0b8fbca4f2","mime":"image/jpeg","name":"medium_CFO_Blog.jpg","path":null,"size":38.72,"width":750,"height":375,"sizeInBytes":38723},"thumbnail":{"ext":".jpg","url":"/thought-leadership/institute-business-value/uploads/en/thumbnail_CFO_Blog_0b8fbca4f2.jpg","hash":"thumbnail_CFO_Blog_0b8fbca4f2","mime":"image/jpeg","name":"thumbnail_CFO_Blog.jpg","path":null,"size":6.95,"width":245,"height":123,"sizeInBytes":6945}},"hash":"CFO_Blog_0b8fbca4f2","ext":".jpg","mime":"image/jpeg","size":681.5,"url":"/thought-leadership/institute-business-value/uploads/en/CFO_Blog_0b8fbca4f2.jpg","previewUrl":null,"provider":"strapi-provider-upload-ibv-cos","provider_metadata":null,"createdAt":"2024-09-12T13:35:03.884Z","updatedAt":"2024-09-12T13:35:03.884Z"},"mlinks":null,"assets":[]},{"id":171,"slug":"reimagining-human-potential","title":"Reimagining human potential in the gen AI era","subtitle":"Revolutionizing work to boost business value","date":"2024-09-13T00:00:00.000Z","blurb":"Forward-thinking organizations are increasingly framing AI strategies that extend beyond mere command and control and process steps. ","content":"\u003cp\u003e\u003cspan\u003eBusiness leaders must be careful not to focus solely on how generative AI can simplify and automate today's processes—many of them are routine and mundane.\u0026nbsp;\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan\u003eWhile such measures may increase productivity, executives also have a rare opportunity to revolutionize employee potential and pioneer a new future for their organization.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan\u003eForward-thinking organizations are increasingly framing AI strategies that extend beyond mere command and control and process steps.\u0026nbsp;\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan\u003eA new report from the IBM Institute for Business Value (IBM IBV) and Oracle, titled \u003c/span\u003e\u003ca target=\"_blank\" rel=\"noopener noreferrer\" href=\"https://www.ibm.com/thought-leadership/institute-business-value/en-us/report/human-potential-genai\"\u003e\u003ci\u003e\u003cspan\u003eReimagine human potential in the gen AI era\u003c/span\u003e\u003c/i\u003e\u003c/a\u003e\u003cspan\u003e, explains how HR can use AI to empower people to unlock their performance and potential by connecting them to what matters most for their job and personal goals.\u0026nbsp;\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan\u003eThis is a chance to further humanize work. AI tools and data can help provide clarity on work roles and expectations, guide and coach employee development with purpose, and help foster employee progression and internal career mobility.\u003c/span\u003e\u003c/p\u003e\u003ch2\u003e\u003cspan\u003eForecasting employee potential\u003c/span\u003e\u003c/h2\u003e\u003cp\u003e\u003cspan\u003eFor example, leaders can take a proactive approach to forecasting the potential of their people by identifying the key skills and attributes that will be valuable going forward, such as critical thinking and emotional intelligence.\u0026nbsp;\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan\u003eUsing data models to make informed predictions about future potential, organizations can ensure they're developing the right talent to drive business success. Additionally, leaders can encourage continuous learning and growth by providing opportunities for employees to develop new skills and take on new challenges.\u003c/span\u003e\u003c/p\u003e\u003ch2\u003e\u003cspan\u003eEncourage a culture of experimentation\u003c/span\u003e\u003c/h2\u003e\u003cp\u003e\u003cspan\u003eMore than half of executives say that, in the next three years, generative AI will make entirely new types of work possible. It's all about starting small and moving fast to fail, learn, and scale more quickly. The biggest gains may come from stepping into the unknown.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan\u003eLeaders can encourage experimentation by creating an environment that supports calculated risk-taking and learning from failures. This can be achieved by fostering a culture of psychological safety, where employees feel comfortable sharing their ideas and learning from setbacks.\u0026nbsp;\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan\u003eBy providing resources and support for employees to take on new challenges, leaders empower them to drive innovation and growth. And by recognizing and rewarding employees who demonstrate a willingness to experiment and take risks, organizations can reinforce a culture of experimentation and continuous learning.\u003c/span\u003e\u003c/p\u003e\u003ch2\u003e\u003cspan\u003eSee the future of work\u003c/span\u003e\u003c/h2\u003e\u003cp\u003e\u003cspan\u003eLet’s reimagine human potential in the gen AI era to revolutionize work and boost business value.\u0026nbsp;\u003c/span\u003e\u003ca target=\"_blank\" rel=\"noopener noreferrer\" href=\"https://www.ibm.com/thought-leadership/institute-business-value/en-us/report/human-potential-genai\"\u003e\u003cspan\u003eRead the full report\u003c/span\u003e\u003c/a\u003e\u003cspan\u003e to learn how you can take the reins and shape the future of your industry.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan\u003eAlso, \u003c/span\u003e\u003ca target=\"_blank\" rel=\"noopener noreferrer\" href=\"https://www.ibm.com/account/reg/us-en/signup?formid=urx-43376\"\u003e\u003cspan\u003esubscribe now\u003c/span\u003e\u003c/a\u003e\u003cspan\u003e to receive \u003c/span\u003e\u003cspan style=\"background-color:#FCFCFC;color:black;\"\u003e\u003cspan\u003ecomplimentary reports from the IBM Institute for Business Value that will help you drive business growth, innovation, and success.\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e","approved":true,"image_alt":"Reimagining human potential in the gen AI era","thumbnail_alt":"Reimagining human potential in the gen AI era","hideRelatedBlogs":false,"createdAt":"2024-09-12T13:49:48.836Z","updatedAt":"2024-10-21T17:39:23.569Z","author":[],"image":{"id":11403,"name":"HR-blog.jpg","alternativeText":null,"caption":null,"width":1456,"height":728,"formats":{"large":{"ext":".jpg","url":"/thought-leadership/institute-business-value/uploads/en/large_HR_blog_34449eea01.jpg","hash":"large_HR_blog_34449eea01","mime":"image/jpeg","name":"large_HR-blog.jpg","path":null,"size":99.57,"width":1000,"height":500,"sizeInBytes":99571},"small":{"ext":".jpg","url":"/thought-leadership/institute-business-value/uploads/en/small_HR_blog_34449eea01.jpg","hash":"small_HR_blog_34449eea01","mime":"image/jpeg","name":"small_HR-blog.jpg","path":null,"size":26.86,"width":500,"height":250,"sizeInBytes":26862},"medium":{"ext":".jpg","url":"/thought-leadership/institute-business-value/uploads/en/medium_HR_blog_34449eea01.jpg","hash":"medium_HR_blog_34449eea01","mime":"image/jpeg","name":"medium_HR-blog.jpg","path":null,"size":55.65,"width":750,"height":375,"sizeInBytes":55647},"thumbnail":{"ext":".jpg","url":"/thought-leadership/institute-business-value/uploads/en/thumbnail_HR_blog_34449eea01.jpg","hash":"thumbnail_HR_blog_34449eea01","mime":"image/jpeg","name":"thumbnail_HR-blog.jpg","path":null,"size":7.95,"width":245,"height":123,"sizeInBytes":7952}},"hash":"HR_blog_34449eea01","ext":".jpg","mime":"image/jpeg","size":219.61,"url":"/thought-leadership/institute-business-value/uploads/en/HR_blog_34449eea01.jpg","previewUrl":null,"provider":"strapi-provider-upload-ibv-cos","provider_metadata":null,"createdAt":"2024-09-12T14:04:25.195Z","updatedAt":"2024-09-12T14:04:25.195Z"},"thumbnail":{"id":11404,"name":"HR-blog.jpg","alternativeText":null,"caption":null,"width":1456,"height":728,"formats":{"large":{"ext":".jpg","url":"/thought-leadership/institute-business-value/uploads/en/large_HR_blog_443ec2a3c0.jpg","hash":"large_HR_blog_443ec2a3c0","mime":"image/jpeg","name":"large_HR-blog.jpg","path":null,"size":99.57,"width":1000,"height":500,"sizeInBytes":99571},"small":{"ext":".jpg","url":"/thought-leadership/institute-business-value/uploads/en/small_HR_blog_443ec2a3c0.jpg","hash":"small_HR_blog_443ec2a3c0","mime":"image/jpeg","name":"small_HR-blog.jpg","path":null,"size":26.86,"width":500,"height":250,"sizeInBytes":26862},"medium":{"ext":".jpg","url":"/thought-leadership/institute-business-value/uploads/en/medium_HR_blog_443ec2a3c0.jpg","hash":"medium_HR_blog_443ec2a3c0","mime":"image/jpeg","name":"medium_HR-blog.jpg","path":null,"size":55.65,"width":750,"height":375,"sizeInBytes":55647},"thumbnail":{"ext":".jpg","url":"/thought-leadership/institute-business-value/uploads/en/thumbnail_HR_blog_443ec2a3c0.jpg","hash":"thumbnail_HR_blog_443ec2a3c0","mime":"image/jpeg","name":"thumbnail_HR-blog.jpg","path":null,"size":7.95,"width":245,"height":123,"sizeInBytes":7952}},"hash":"HR_blog_443ec2a3c0","ext":".jpg","mime":"image/jpeg","size":219.61,"url":"/thought-leadership/institute-business-value/uploads/en/HR_blog_443ec2a3c0.jpg","previewUrl":null,"provider":"strapi-provider-upload-ibv-cos","provider_metadata":null,"createdAt":"2024-09-12T14:05:07.000Z","updatedAt":"2024-09-12T14:05:07.000Z"},"mlinks":null,"assets":[]},{"id":136,"slug":"elevating-tech-leadership","title":"The end of business as usual","subtitle":"Elevating tech leadership to achieve AI advantage","date":"2024-08-21T00:00:00.000Z","blurb":"With the rapid rise of generative AI, organizations are counting on tech leaders to deliver competitive advantage like never before. ","content":"\u003cp\u003e\u003cspan\u003eIn to\u003c/span\u003eday's fast-pace\u003cspan\u003ed digital landscape, technology is no longer just a supporting function—it’s the driving force behind business success.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan\u003eWith the rapid rise of generative AI, organizations are counting on tech leaders to deliver competitive advantage like never before.\u0026nbsp;\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan\u003eA new report from the IBM Institute for Business Value, titled \u003c/span\u003e\u003ca target=\"_blank\" rel=\"noopener noreferrer\" href=\"https://www.ibm.com/thought-leadership/institute-business-value/en-us/c-suite-study/cxo\"\u003e\u003cspan\u003e\"6 blind spots tech leaders must reveal,\"\u003c/span\u003e\u003c/a\u003e\u003cspan\u003e explains that tech leaders are facing unprecedented pressure to deliver increasingly complex core IT services while building capabilities that enable their organization to achieve AI advantage.\u003c/span\u003e\u003c/p\u003e\u003cfigure class=\"table\" style=\"float:left;width:100%;\"\u003e\u003ctable class=\"ck-table-resized\" style=\"background-color:hsl( 190, 55%, 96% );border:1px solid hsl(0, 0%, 60%);\"\u003e\u003ccolgroup\u003e\u003ccol style=\"width:7.53%;\"\u003e\u003ccol style=\"width:92.47%;\"\u003e\u003c/colgroup\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd style=\"padding:10px;\" colspan=\"2\"\u003e\u003ch2\u003eThe 6 blind spots\u003c/h2\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd style=\"padding:15px;\"\u003e\u003ch2\u003e1\u003c/h2\u003e\u003c/td\u003e\u003ctd style=\"padding:10px;\"\u003e\u003cspan\u003eWe treat tech as an enabler, but tech must be the core of everything we do.\u003c/span\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd style=\"padding:15px;\"\u003e\u003ch2\u003e2\u003c/h2\u003e\u003c/td\u003e\u003ctd style=\"padding:10px;\"\u003e\u003cspan\u003eWe say we are working together, but our collaboration is only skin-deep.\u003c/span\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd style=\"padding:15px;\"\u003e\u003ch2\u003e3\u003c/h2\u003e\u003c/td\u003e\u003ctd style=\"padding:10px;\"\u003e\u003cspan\u003eWe hope it will be a magic wand, but generative AI could break our organization.\u003c/span\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd style=\"padding:15px;\"\u003e\u003ch2\u003e4\u003c/h2\u003e\u003c/td\u003e\u003ctd style=\"padding:10px;\"\u003e\u003cspan\u003eWe want it to be trustworthy, but our AI may be irresponsible.\u003c/span\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd style=\"padding:15px;\"\u003e\u003ch2\u003e5\u003c/h2\u003e\u003c/td\u003e\u003ctd style=\"padding:10px;\"\u003e\u003cspan\u003eWe talk about data as currency, but our data could be a liability.\u003c/span\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd style=\"padding:15px;\"\u003e\u003ch2\u003e6\u003c/h2\u003e\u003c/td\u003e\u003ctd style=\"padding:10px;\"\u003e\u003cspan\u003eWe think our team is strong, but we’re still fighting yesterday’s talent battle.\u003c/span\u003e\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/table\u003e\u003c/figure\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u003cspan\u003eTo reveal and obliterate these blind spots, tech execs must be part mastermind, part maestro—architecting technology strategy, building multidisciplinary teams, and finding new approaches to collaboration with other C-suite leaders to drive enterprise-wide outcomes.\u0026nbsp;\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan\u003eThis requires a deep understanding of the organization's goals, as well as the ability to communicate and integrate the value of technology in achieving those goals.\u003c/span\u003e\u003cbr\u003e\u0026nbsp;\u003c/p\u003e\u003cfigure class=\"image image-style-align-center\"\u003e\u003cimg src=\"/thought-leadership/institute-business-value/uploads/en/62_N0s9mh_NQJ_Kqrr77_J_m3xh_B_bdd650fb72.jpg\" width=\"100%\"\u003e\u003c/figure\u003e\u003ch3\u003e\u003cbr\u003e\u003cspan\u003eA roadmap for success in the AI era\u003c/span\u003e\u003c/h3\u003e\u003cp\u003e\u003cspan\u003eOur report provides a comprehensive guide for tech execs to insert their essential expertise into enterprise decisions, overcome blind spots, and better position their organizations for success.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan style=\"background-color:white;color:#161616;\"\u003eFor instance, tech leaders can deepen collaboration by building relationships with finance leaders, recognizing that a strong partnership between technology and finance is critical to driving business outcomes. Initiate discussions with finance team members about which technology investments create the greatest competitive advantage. Model financial stewardship through transparency and accountability, regularly assessing and evaluating tech investments against business objectives.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan style=\"background-color:white;color:#161616;\"\u003eTech executives can also avoid the risk of AI “breaking” your organization by assessing the current state of your infrastructure with an eye toward AI everywhere. Develop an AI transformation roadmap based on what’s needed to solve critical business problems, and optimize your cloud infrastructure for AI workloads that process and analyze large data sets.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan style=\"background-color:white;color:#161616;\"\u003eFinally, tech leaders can stop fighting yesterday’s talent battles by adopting a day-one mindset when it comes to their approach to talent in today's fast-paced AI landscape. Transform reskilling and upskilling into advancement opportunities. Establish AI academies or centers of excellence where employees can develop their proficiency. Keep high-value skills in house and leverage partners for easier-to-source tasks.\u003c/span\u003e\u003c/p\u003e\u003ch3\u003eThe AI revolution starts with you\u003c/h3\u003e\u003cp\u003e\u003ca target=\"_blank\" rel=\"noopener noreferrer\" href=\"https://www.ibm.com/thought-leadership/institute-business-value/en-us/report/cxo\"\u003e\u003cspan\u003eRead the full report\u003c/span\u003e\u003c/a\u003e\u003cspan\u003e to learn more specific actions your business can take to overcome these blind spots, elevate your technology strategy, and achieve AI advantage.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan\u003eAlso, \u003c/span\u003e\u003ca target=\"_blank\" rel=\"noopener noreferrer\" href=\"https://www.ibm.com/account/reg/us-en/signup?formid=urx-43376\"\u003e\u003cspan\u003esubscribe now\u003c/span\u003e\u003c/a\u003e\u003cspan\u003e to receive \u003c/span\u003e\u003cspan style=\"background-color:#FCFCFC;color:black;\"\u003e\u003cspan\u003ecomplimentary reports from the IBM Institute for Business Value that will help you drive business growth, innovation, and success.\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e","approved":true,"image_alt":null,"thumbnail_alt":null,"hideRelatedBlogs":false,"createdAt":"2024-08-12T16:17:34.484Z","updatedAt":"2024-08-27T21:05:06.503Z","author":[],"image":{"id":11087,"name":"techCxO_blog hero.png","alternativeText":null,"caption":null,"width":6069,"height":3036,"formats":{"large":{"ext":".png","url":"/thought-leadership/institute-business-value/uploads/en/large_tech_Cx_O_blog_hero_b26208e057.png","hash":"large_tech_Cx_O_blog_hero_b26208e057","mime":"image/png","name":"large_techCxO_blog hero.png","path":null,"size":219.81,"width":1000,"height":500,"sizeInBytes":219813},"small":{"ext":".png","url":"/thought-leadership/institute-business-value/uploads/en/small_tech_Cx_O_blog_hero_b26208e057.png","hash":"small_tech_Cx_O_blog_hero_b26208e057","mime":"image/png","name":"small_techCxO_blog 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hero.png","path":null,"size":219.81,"width":1000,"height":500,"sizeInBytes":219813},"small":{"ext":".png","url":"/thought-leadership/institute-business-value/uploads/en/small_tech_Cx_O_blog_hero_6637fcebfb.png","hash":"small_tech_Cx_O_blog_hero_6637fcebfb","mime":"image/png","name":"small_techCxO_blog hero.png","path":null,"size":86.14,"width":500,"height":250,"sizeInBytes":86136},"medium":{"ext":".png","url":"/thought-leadership/institute-business-value/uploads/en/medium_tech_Cx_O_blog_hero_6637fcebfb.png","hash":"medium_tech_Cx_O_blog_hero_6637fcebfb","mime":"image/png","name":"medium_techCxO_blog hero.png","path":null,"size":149.43,"width":750,"height":375,"sizeInBytes":149432},"thumbnail":{"ext":".png","url":"/thought-leadership/institute-business-value/uploads/en/thumbnail_tech_Cx_O_blog_hero_6637fcebfb.png","hash":"thumbnail_tech_Cx_O_blog_hero_6637fcebfb","mime":"image/png","name":"thumbnail_techCxO_blog hero.png","path":null,"size":31.12,"width":245,"height":123,"sizeInBytes":31122}},"hash":"tech_Cx_O_blog_hero_6637fcebfb","ext":".png","mime":"image/png","size":458.1,"url":"/thought-leadership/institute-business-value/uploads/en/tech_Cx_O_blog_hero_6637fcebfb.png","previewUrl":null,"provider":"strapi-provider-upload-ibv-cos","provider_metadata":null,"createdAt":"2024-08-13T17:20:09.678Z","updatedAt":"2024-08-13T17:20:09.678Z"},"mlinks":null,"assets":[]},{"id":137,"slug":"navigating-uncharted-territory","title":"Navigating the uncharted territory","subtitle":"Strategies to improve risk management for generative AI","date":"2024-08-16T00:00:00.000Z","blurb":"Generative AI has the potential to create unprecedented value, but it also introduces new and complex risks that can have far-reaching consequences.","content":"\u003cfigure class=\"table\"\u003e\u003ctable\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd style=\"border:1px solid hsl(0, 0%, 90%);padding:25px;\"\u003e\u003ci\u003e\u003cspan\u003e\u003cstrong\u003eThis blog is related to the latest chapter of The CEO’s Guide to Generative AI. To explore all chapters of the book,\u003c/strong\u003e\u0026nbsp;\u003c/span\u003e\u003c/i\u003e\u003ca target=\"_blank\" rel=\"noopener noreferrer\" href=\"https://www.ibm.com/thought-leadership/institute-business-value/en-us/report/ceo-generative-ai\"\u003e\u003ci\u003e\u003cspan\u003evisit the website\u003c/span\u003e\u003c/i\u003e\u003c/a\u003e\u003ci\u003e\u003cspan\u003e or\u0026nbsp;\u003c/span\u003e\u003c/i\u003e\u003ca target=\"_blank\" rel=\"noopener noreferrer\" href=\"https://www.ibm.com/downloads/cas/BN9Y6QPN\"\u003e\u003ci\u003e\u003cspan\u003edownload the digital edition\u003c/span\u003e\u003c/i\u003e\u003c/a\u003e\u003ci\u003e\u003cspan\u003e.\u003c/span\u003e\u003c/i\u003e\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/table\u003e\u003c/figure\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u003cspan\u003eGenerative AI has the potential to create unprecedented value, but it also introduces new and complex risks that can have far-reaching consequences.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan\u003eAs a result, many leaders are wary about this revolutionary technology. While 55% of CEOs see gen AI as an opportunity, 45% view it as a risk.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan\u003eBut with the right approach, organizations can benefit from the scale and speed of gen AI without falling victim to unforeseen threats.\u003c/span\u003e\u003cbr\u003e\u0026nbsp;\u003c/p\u003e\u003ch3\u003e\u003cspan\u003eUnderstanding the risks of gen AI\u003c/span\u003e\u003c/h3\u003e\u003cp\u003e\u003cspan\u003eIn the latest chapter of the CEO's guide to generative AI, the IBM Institute for Business Value identifies three key takeaways for CEOs in regard to AI risks:\u003c/span\u003e\u003cbr\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u003cspan\u003e\u003cstrong\u003e1. Gen AI is unleashing a maelstrom of risks.\u003c/strong\u003e Gen AI is introducing a wide range of new risks, from data breaches and cyber-attacks to regulatory non-compliance.\u0026nbsp;\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan\u003e\u003cstrong\u003e2. Reputations are on the line.\u003c/strong\u003e Gen AI has the potential to significantly impact an organization's reputation, both positively and negatively.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan\u003e\u003cstrong\u003e3. The future is a threat multiplier.\u003c/strong\u003e As gen AI becomes more widespread, the potential consequences of a major failure or breach will multiply exponentially.\u0026nbsp;\u003c/span\u003e\u003cbr\u003e\u0026nbsp;\u003c/p\u003e\u003ch3\u003e\u003cspan\u003eManaging risks and opportunities\u003c/span\u003e\u003c/h3\u003e\u003cp\u003e\u003cspan\u003eTo stay ahead of these challenges, CEOs must set a risk threshold that fuels innovation, not chaos. This requires understanding the full spectrum of risks that gen AI introduces and a proactive approach to mitigating those threats.\u0026nbsp;\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan\u003eLeaders can maintain credibility with stakeholders by establishing processes to monitor and respond to reputational risks as they emerge. This involves predicting which risks are most likely to escalate and suggesting proactive strategies to keep the lid on heated situations.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan\u003eFinally, CEOs must prepare for “100-year risks,” which are rare but catastrophic events that can have long-term consequences. These risks are often unpredictable and can arise from any number of factors, including natural disasters, cyber-attacks, or supply chain disruptions.\u0026nbsp;\u003c/span\u003e\u003cbr\u003e\u0026nbsp;\u003c/p\u003e\u003ch3\u003e\u003cspan\u003eThe roadmap to risk management\u003c/span\u003e\u003c/h3\u003e\u003cp\u003e\u003cspan\u003eFor CEOs who want to unlock the full potential of gen AI while minimizing risks, the new chapter of the CEO's guide to generative AI provides a blueprint for success.\u0026nbsp;\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan\u003eBy understanding the complexities of gen AI risk management and taking proactive steps to mitigate risks, CEOs can drive innovation, protect value, and transform potential threats into opportunities.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003ca target=\"_blank\" rel=\"noopener noreferrer\" href=\"https://www.ibm.com/thought-leadership/institute-business-value/en-us/report/ceo-generative-ai/ceo-ai-risk-management?utm_medium=Email\u0026amp;utm_source=Outbound\u0026amp;utm_content=IBVWW\u0026amp;utm_term=20MFX\u0026amp;utm_campaign=220336\u0026amp;utm_id=OutboundMK1ENCTA1\u0026amp;mkt_tok=Mjk4LVJTRS02NTAAAAGU7wyvC0nN1TLGQzcQ2gielioSZe72OY1MrDbUsWae2gxno7Hc2iyT3QYC-3z8z7Z5ww8abXC-xkHBkBWaReqW\"\u003e\u003cspan\u003eRead the full report\u003c/span\u003e\u003c/a\u003e\u003cspan\u003e to discover the three things every leader needs to know and three things they need to do now to improve gen AI risk management.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan\u003eAlso, \u003c/span\u003e\u003ca target=\"_blank\" rel=\"noopener noreferrer\" href=\"https://www.ibm.com/account/reg/us-en/signup?formid=urx-43376\"\u003e\u003cspan\u003esubscribe now\u003c/span\u003e\u003c/a\u003e\u003cspan\u003e to receive \u003c/span\u003e\u003cspan style=\"background-color:#FCFCFC;color:black;\"\u003e\u003cspan\u003ecomplimentary reports from the IBM Institute for Business Value that will help you drive business growth, innovation, and success.\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e","approved":true,"image_alt":null,"thumbnail_alt":null,"hideRelatedBlogs":false,"createdAt":"2024-08-15T12:15:30.532Z","updatedAt":"2024-08-15T17:57:25.858Z","author":[],"image":{"id":11106,"name":"riskblog.jpg","alternativeText":null,"caption":null,"width":6069,"height":3035,"formats":{"large":{"ext":".jpg","url":"/thought-leadership/institute-business-value/uploads/en/large_riskblog_1ef03e52df.jpg","hash":"large_riskblog_1ef03e52df","mime":"image/jpeg","name":"large_riskblog.jpg","path":null,"size":40.28,"width":1000,"height":500,"sizeInBytes":40282},"small":{"ext":".jpg","url":"/thought-leadership/institute-business-value/uploads/en/small_riskblog_1ef03e52df.jpg","hash":"small_riskblog_1ef03e52df","mime":"image/jpeg","name":"small_riskblog.jpg","path":null,"size":12.87,"width":500,"height":250,"sizeInBytes":12873},"medium":{"ext":".jpg","url":"/thought-leadership/institute-business-value/uploads/en/medium_riskblog_1ef03e52df.jpg","hash":"medium_riskblog_1ef03e52df","mime":"image/jpeg","name":"medium_riskblog.jpg","path":null,"size":26.16,"width":750,"height":375,"sizeInBytes":26164},"thumbnail":{"ext":".jpg","url":"/thought-leadership/institute-business-value/uploads/en/thumbnail_riskblog_1ef03e52df.jpg","hash":"thumbnail_riskblog_1ef03e52df","mime":"image/jpeg","name":"thumbnail_riskblog.jpg","path":null,"size":3.83,"width":245,"height":123,"sizeInBytes":3834}},"hash":"riskblog_1ef03e52df","ext":".jpg","mime":"image/jpeg","size":485.73,"url":"/thought-leadership/institute-business-value/uploads/en/riskblog_1ef03e52df.jpg","previewUrl":null,"provider":"strapi-provider-upload-ibv-cos","provider_metadata":null,"createdAt":"2024-08-15T16:17:33.933Z","updatedAt":"2024-08-15T16:17:33.933Z"},"thumbnail":{"id":11107,"name":"riskblog.jpg","alternativeText":null,"caption":null,"width":6069,"height":3035,"formats":{"large":{"ext":".jpg","url":"/thought-leadership/institute-business-value/uploads/en/large_riskblog_ffe625c3e9.jpg","hash":"large_riskblog_ffe625c3e9","mime":"image/jpeg","name":"large_riskblog.jpg","path":null,"size":40.28,"width":1000,"height":500,"sizeInBytes":40282},"small":{"ext":".jpg","url":"/thought-leadership/institute-business-value/uploads/en/small_riskblog_ffe625c3e9.jpg","hash":"small_riskblog_ffe625c3e9","mime":"image/jpeg","name":"small_riskblog.jpg","path":null,"size":12.87,"width":500,"height":250,"sizeInBytes":12873},"medium":{"ext":".jpg","url":"/thought-leadership/institute-business-value/uploads/en/medium_riskblog_ffe625c3e9.jpg","hash":"medium_riskblog_ffe625c3e9","mime":"image/jpeg","name":"medium_riskblog.jpg","path":null,"size":26.16,"width":750,"height":375,"sizeInBytes":26164},"thumbnail":{"ext":".jpg","url":"/thought-leadership/institute-business-value/uploads/en/thumbnail_riskblog_ffe625c3e9.jpg","hash":"thumbnail_riskblog_ffe625c3e9","mime":"image/jpeg","name":"thumbnail_riskblog.jpg","path":null,"size":3.83,"width":245,"height":123,"sizeInBytes":3834}},"hash":"riskblog_ffe625c3e9","ext":".jpg","mime":"image/jpeg","size":485.73,"url":"/thought-leadership/institute-business-value/uploads/en/riskblog_ffe625c3e9.jpg","previewUrl":null,"provider":"strapi-provider-upload-ibv-cos","provider_metadata":null,"createdAt":"2024-08-15T16:18:26.195Z","updatedAt":"2024-08-15T16:18:26.195Z"},"mlinks":null,"assets":[]},{"id":135,"slug":"ibv-ranked-1","title":"IBM Institute for Business Value ranked #1 thought leadership producer","subtitle":null,"date":"2024-06-27T00:00:00.000Z","blurb":"Executives rely on trusted, credible thought leadership. IBM Institute for Business Value has been ranked the #1 thought leadership producer by Source Global Research for quality of thought leadership among leading consultancy and technology firms. ","content":"\u003cp\u003e\u003cspan\u003eExecutives rely on trusted, credible thought leadership, and that’s why we are so proud to announce that the IBM Institute for Business Value has been ranked the #1 thought leadership producer by Source Global Research for quality of thought leadership among leading consultancy and technology firms.\u0026nbsp;\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan\u003eThe ranking, based on Source’s White Space quality assessment methodology, evaluates 19 leading consultancy and technology firms by reviewing a random sample of each firm’s thought leadership. The IBM Institute for Business Value (IBV) is IBM’s thought leadership think tank, and has appeared in the top three since 2012 when the ranking was first established, finishing in the #1 spot five times out of the last 13 years, including this year.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan\u003eThe evaluation is based on four categories: differentiation, appeal, resilience, and prompting action. IBM appears in the top two in all categories, leading in appeal and prompting action.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan\u003e\u003cstrong\u003eThe four pillars of the Source methodology\u003c/strong\u003e\u003c/span\u003e\u003cbr\u003e\u0026nbsp;\u003c/p\u003e\u003cfigure class=\"table\"\u003e\u003ctable style=\"border:1px solid hsl(0, 0%, 90%);\"\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd style=\"padding:20px;vertical-align:top;width:150px;\"\u003e\u003cfigure class=\"image\"\u003e\u003cimg style=\"aspect-ratio:120/120;\" src=\"/thought-leadership/institute-business-value/uploads/en/Ex_DQE_Wbdn_Euqy_o_Xwp_Pik_Jt_S_eec5cd01e0.jpg\" width=\"120\" height=\"120\"\u003e\u003c/figure\u003e\u003c/td\u003e\u003ctd style=\"border:1px solid hsl(0, 0%, 90%);padding:20px;vertical-align:top;\"\u003e\u003cp\u003e\u003cstrong\u003eDifferentiation:\u003c/strong\u003e\u003c/p\u003e\u003cul\u003e\u003cli\u003eIs this piece of thought leadership relevant to me right now?\u003c/li\u003e\u003cli\u003eDoes it tell me something useful that I didn't know already?\u003c/li\u003e\u003c/ul\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd style=\"padding:20px;vertical-align:top;\"\u003e\u003cfigure class=\"image\"\u003e\u003cimg style=\"aspect-ratio:120/120;\" src=\"/thought-leadership/institute-business-value/uploads/en/fvs7a_K0df1_Oi_Fgxvzh_Tptk_L_20f6229e1f.jpg\" width=\"120\" height=\"120\"\u003e\u003c/figure\u003e\u003c/td\u003e\u003ctd style=\"border:1px solid hsl(0, 0%, 90%);padding:20px;vertical-align:top;\"\u003e\u003cp\u003e\u003cstrong\u003eAppeal:\u003c/strong\u003e\u003c/p\u003e\u003cul\u003e\u003cli\u003eAm I encouraged to read on?\u003c/li\u003e\u003cli\u003eIs it easy and enjoyable to use?\u003c/li\u003e\u003c/ul\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd style=\"padding:20px;vertical-align:top;\"\u003e\u003cfigure class=\"image\"\u003e\u003cimg style=\"aspect-ratio:120/120;\" src=\"/thought-leadership/institute-business-value/uploads/en/xiv_Wmh4v64ur3_Sk_Jo_FU_9_A_Ne_T_2a0b7cafd7.jpg\" width=\"120\" height=\"120\"\u003e\u003c/figure\u003e\u003c/td\u003e\u003ctd style=\"border:1px solid hsl(0, 0%, 90%);padding:20px;\"\u003e\u003cp\u003e\u003cstrong\u003eResilience:\u003c/strong\u003e\u003c/p\u003e\u003cul\u003e\u003cli\u003eCan I trust what I am being told?\u003c/li\u003e\u003cli\u003eDo I know who is writing this and why I should believe them?\u0026nbsp;\u003c/li\u003e\u003c/ul\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd style=\"padding:20px;vertical-align:top;\"\u003e\u003cfigure class=\"image\"\u003e\u003cimg style=\"aspect-ratio:120/120;\" src=\"/thought-leadership/institute-business-value/uploads/en/lw_L47_P_Ekcrv3_Zv4y238_B_Td_YM_4d9a9b1389.jpg\" width=\"120\" height=\"120\"\u003e\u003c/figure\u003e\u003c/td\u003e\u003ctd style=\"border:1px solid hsl(0, 0%, 90%);padding:20px;\"\u003e\u003cp\u003e\u003cstrong\u003ePrompting action:\u003c/strong\u003e\u003c/p\u003e\u003cul\u003e\u003cli\u003eDo I have a clear sense of what I ought to do now?\u003c/li\u003e\u003cli\u003eWill a conversation with this firm be useful to me?\u003c/li\u003e\u003c/ul\u003e\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/table\u003e\u003c/figure\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u003cspan\u003eThe quality analysis includes this analysis by the Source evaluators:\u003c/span\u003e\u003c/p\u003e\u003cblockquote\u003e\u003cp\u003e\u003ci\u003e\u003cspan\u003eIBM excels in uncovering novel perspectives within familiar territories, often delving deeply into overlooked subjects, thereby crafting reports that stand out in both scale and depth.\u003c/span\u003e\u003c/i\u003e\u003c/p\u003e\u003c/blockquote\u003e\u003cblockquote\u003e\u003cp\u003e\u003ci\u003e\u003cspan\u003eWith an even higher score than previous years, IBM continues to impress with its refined presentation and the seamless transition from engaging landing pages to well-designed reports. Its adept use of clear data visualization and compelling case studies enhances the appeal of the firm’s content. One report stands out:\u0026nbsp;\u003c/span\u003e\u003c/i\u003e\u003ca target=\"_blank\" rel=\"noopener noreferrer\" href=\"https://www.ibm.com/thought-leadership/institute-business-value/en-us/report/seven-bets\"\u003e\u003ci\u003e\u003cspan\u003eSeven Bets: It’s Time to Bet on the Future\u003c/span\u003e\u003c/i\u003e\u003c/a\u003e\u003ci\u003e\u003cspan\u003e. From its captivating landing page to its well-structured content and compelling case studies, this report exemplifies IBM’s ability to create truly engaging and informative material.\u0026nbsp;\u003c/span\u003e\u003c/i\u003e\u003c/p\u003e\u003c/blockquote\u003e\u003cp\u003e\u003ca target=\"_blank\" rel=\"noopener noreferrer\" href=\"https://www.ibm.com/thought-leadership/institute-business-value/en-us/report/seven-bets\"\u003e\u003cspan\u003eSeven Bets\u003c/span\u003e\u003c/a\u003e\u003cspan\u003e was featured at IBM meetings during the 2023 World Economic Forum, and was presented to a standing-room-only crowd at the IBM Think conference in 2023 by\u0026nbsp;\u003c/span\u003e\u003ca target=\"_blank\" rel=\"noopener noreferrer\" href=\"https://www.linkedin.com/in/salima-lin-b17bb71/\"\u003e\u003cspan\u003eSalima Lin\u003c/span\u003e\u003c/a\u003e\u003cspan\u003e and\u0026nbsp;\u003c/span\u003e\u003ca target=\"_blank\" rel=\"noopener noreferrer\" href=\"https://www.linkedin.com/in/jmantas/\"\u003e\u003cspan\u003eJesus Mantas\u003c/span\u003e\u003c/a\u003e\u003cspan\u003e.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan\u003eThree IBV reports also appear in the top 10, more than any other organization:\u0026nbsp;\u003c/span\u003e\u003c/p\u003e\u003cul\u003e\u003cli\u003e\u003ca target=\"_blank\" rel=\"noopener noreferrer\" href=\"https://www.ibm.com/thought-leadership/institute-business-value/en-us/report/quantum-readiness\"\u003e\u003cspan\u003eMake Quantum Readiness Real\u003c/span\u003e\u003c/a\u003e\u003cspan\u003e, which\u0026nbsp;\u003c/span\u003eintroduces a quantum readiness index and reflects the impact of preparedness\u003cspan\u003e. The Source analysts had this to say: This report features strong data visualizations, providing a clear and engaging representation of the findings. The specificity about how IBM can assist in quantum computing is particularly notable, as it highlights the company’s unique capabilities and resources. Additionally, the report’s recommendations are detailed and actionable, accompanied by numerous specific quantum resources and links. Overall, the piece demonstrates a high level of expertise in the field of quantum computing, making it a standout in its sample.\u003c/span\u003e\u003c/li\u003e\u003cli\u003e\u003ca target=\"_blank\" rel=\"noopener noreferrer\" href=\"https://www.ibm.com/thought-leadership/institute-business-value/en-us/report/record-to-report-automation\"\u003e\u003cspan\u003eModernize Record to Report\u003c/span\u003e\u003c/a\u003e\u003cspan\u003e, which \u003c/span\u003e\u003cspan style=\"color:#161616;\"\u003e\u003cspan\u003eillustrates how proper data management and the combination of automation and AI can modernize the record-to-report finance function\u003c/span\u003e\u003c/span\u003e\u003cspan\u003e.\u003c/span\u003e\u003c/li\u003e\u003cli\u003e\u003ca target=\"_blank\" rel=\"noopener noreferrer\" href=\"https://www.ibm.com/thought-leadership/institute-business-value/en-us/report/women-leadership-2023\"\u003e\u003cspan\u003eWomen in Leadership\u003c/span\u003e\u003c/a\u003e\u003cspan\u003e, a report co-published with\u0026nbsp;\u003c/span\u003e\u003ca target=\"_blank\" rel=\"noopener noreferrer\" href=\"https://chief.com/\"\u003e\u003cspan\u003eChief\u003c/span\u003e\u003c/a\u003e\u003cspan\u003e, which analyzes the reasons the pipeline of women in leadership roles continues to stagnate.\u003c/span\u003e\u003c/li\u003e\u003c/ul\u003e\u003cp\u003e\u003cspan\u003e\u003cstrong\u003eWhy is thought leadership important to executives?\u003c/strong\u003e\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan\u003eFake thought leadership is everywhere – especially now when any fledgling prompt engineer can use generative AI to create content.\u0026nbsp;\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan\u003eThought leadership is a critical tool for executives operating in uncharted territory. It provides provocative, evidence-based insights and lets business leaders explore challenges without the bias inherent in internal brainstorms. Building on primary research, external expertise, and practical examples, it delivers distinctive, evidence-based intelligence that helps leaders make smarter, faster business decisions. \u003c/span\u003e\u003cspan style=\"background-color:#FCFCFC;color:#333333;\"\u003e\u003cspan\u003eIt\u0026nbsp;\u003c/span\u003e\u003c/span\u003e\u003cspan\u003ebuilds trust and credibility—which may be why so many executives regularly spend time with thought leadership. IBV research shows that almost nine in ten (88%) executives say they spend about two hours each week consuming thought leadership.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan\u003eWhy are they so invested? Almost all (96%) business leaders who consume thought leadership say they make better decisions as a result. And those results inspire them to take action: 87% of US executives say they made a specific purchase decision in the previous 90 days as a direct result of consuming thought leadership.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan\u003e\u003cstrong\u003eSo what \u003c/strong\u003e\u003c/span\u003e\u003ci\u003e\u003cspan\u003e\u003cstrong\u003eIS\u003c/strong\u003e\u003c/span\u003e\u003c/i\u003e\u003cspan\u003e\u003cstrong\u003e thought leadership anyway?\u003c/strong\u003e\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan\u003eThought leadership is a distinct type of content. It is a narrative that analyzes a business challenge using distinctive, evidence-based intelligence which results in insight that helps leaders make smarter, faster business decisions. There are three requirements for thought leadership that other types of content do not have:\u003c/span\u003e\u003c/p\u003e\u003cul\u003e\u003cli\u003e\u003cspan\u003eIt must be evidence-based. Meaning it has to be backed by rigorous, credible research. It can’t simply offer a point of view or someone’s opinion like a blog, a podcast, or an explainer.\u003c/span\u003e\u003c/li\u003e\u003cli\u003e\u003cspan\u003eIt must identify a new business challenge or examine an old business problem and deliver new insights. It can’t simply report or repeat what is already known like a news story or feature article.\u003c/span\u003e\u003c/li\u003e\u003cli\u003e\u003cspan\u003eIt must offer actions that help leaders move toward a solution to the business challenge. However—and this is essential—thought leadership cannot veer into marketing or sales by pitching specific products or services like an advertisement or endorsement.\u003c/span\u003e\u003c/li\u003e\u003c/ul\u003e\u003cp\u003e\u003cspan\u003eGetting the definition and execution right matters because—as our research has revealed—the best thought leadership has a measurable and material impact on those who consume it. To influence decisions and drive long-term, mutually-beneficial client relationships, it must be bias-free, trusted, supported by data, and clearly actionable. When it is, it’s one of the best relationship-building investments any business can make.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan\u003eBecause there is so much interest in, confusion about, and opportunity for thought leadership, the time is right for a professional association to represent those who produce bona fide thought leadership.\u0026nbsp;\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan\u003e\u003cstrong\u003eIntroducing the Global Thought Leadership Institute (GTLI)\u003c/strong\u003e\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan\u003eOn 11 June, APQC, the organization known for quality, benchmarks and productivity, announced the establishment of a new\u0026nbsp;\u003c/span\u003e\u003ca target=\"_blank\" rel=\"noopener noreferrer\" href=\"https://www.apqc.org/GTLI\"\u003e\u003cspan\u003eGlobal Thought Leadership Institute (GTLI).\u003c/span\u003e\u003c/a\u003e\u003cspan\u003e The GTLI is a not-for-profit organization advocating for the standardized practice, production, and promotion of high-quality thought leadership. Through its network of world class thought leaders, researchers, marketers, editors, designers, influencers, and others, GTLI promotes the development of distinctive, evidence-based intelligence that gives business leaders the insights they need to make better decisions.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan\u003eThe IBM Institute for Business Value is a founding organizer of the GTLI, and holds two seats on the board of advisors, filled by\u0026nbsp;\u003c/span\u003e\u003ca target=\"_blank\" rel=\"noopener noreferrer\" href=\"https://www.linkedin.com/in/anthonyejmarshall/\"\u003e\u003cspan\u003eAnthony Marshall\u003c/span\u003e\u003c/a\u003e\u003cspan\u003e, who serves as chair, and\u0026nbsp;\u003c/span\u003e\u003ca target=\"_blank\" rel=\"noopener noreferrer\" href=\"http://www.linkedin.com/in/clwanderson480\"\u003e\u003cspan\u003eCindy Anderson\u003c/span\u003e\u003c/a\u003e\u003cspan\u003e. They are joined on the board by leaders from McKinsey, EY, KPMG, and Accenture.\u0026nbsp;\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan\u003eOne of the first tasks this organization will undertake is to build a capability maturity model and metrics that measure the value of thought leadership, with a view to creating a certification framework for thought leadership.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan\u003eCongratulations to \u003c/span\u003e\u003ca target=\"_blank\" rel=\"noopener noreferrer\" href=\"https://www.linkedin.com/in/salima-lin-b17bb71/\"\u003e\u003cspan\u003eSalima Lin\u003c/span\u003e\u003c/a\u003e\u003cspan\u003e,\u0026nbsp;\u003c/span\u003e\u003ca target=\"_blank\" rel=\"noopener noreferrer\" href=\"https://www.linkedin.com/in/pjkorsten/\"\u003e\u003cspan\u003ePeter Korsten\u003c/span\u003e\u003c/a\u003e\u003cspan\u003e and the entire IBM Institute for Business Value team on these important achievements!\u003c/span\u003e\u003c/p\u003e","approved":true,"image_alt":"IBM Institute for Business Value ranked #1 thought leadership producer","thumbnail_alt":"IBM Institute for Business Value ranked #1 thought leadership producer","hideRelatedBlogs":false,"createdAt":"2024-06-26T14:34:16.464Z","updatedAt":"2024-07-08T16:52:17.836Z","author":[],"image":{"id":10870,"name":"#1 Blog Leadspace@2x-100 (1).jpg","alternativeText":null,"caption":null,"width":2913,"height":1457,"formats":{"large":{"ext":".jpg","url":"/thought-leadership/institute-business-value/uploads/en/large_1_Blog_Leadspace_2x_100_1_fe6bcfa3d9.jpg","hash":"large_1_Blog_Leadspace_2x_100_1_fe6bcfa3d9","mime":"image/jpeg","name":"large_#1 Blog Leadspace@2x-100 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(1).jpg","path":null,"size":5.81,"width":245,"height":123,"sizeInBytes":5806}},"hash":"1_Blog_Leadspace_2x_100_1_fe6bcfa3d9","ext":".jpg","mime":"image/jpeg","size":187.15,"url":"/thought-leadership/institute-business-value/uploads/en/1_Blog_Leadspace_2x_100_1_fe6bcfa3d9.jpg","previewUrl":null,"provider":"strapi-provider-upload-ibv-cos","provider_metadata":null,"createdAt":"2024-06-27T18:38:31.225Z","updatedAt":"2024-06-27T18:38:31.225Z"},"thumbnail":{"id":10871,"name":"#1 Blog Leadspace@2x-100 (1).jpg","alternativeText":null,"caption":null,"width":2913,"height":1457,"formats":{"large":{"ext":".jpg","url":"/thought-leadership/institute-business-value/uploads/en/large_1_Blog_Leadspace_2x_100_1_2aff6aa3a3.jpg","hash":"large_1_Blog_Leadspace_2x_100_1_2aff6aa3a3","mime":"image/jpeg","name":"large_#1 Blog Leadspace@2x-100 (1).jpg","path":null,"size":48.29,"width":1000,"height":500,"sizeInBytes":48293},"small":{"ext":".jpg","url":"/thought-leadership/institute-business-value/uploads/en/small_1_Blog_Leadspace_2x_100_1_2aff6aa3a3.jpg","hash":"small_1_Blog_Leadspace_2x_100_1_2aff6aa3a3","mime":"image/jpeg","name":"small_#1 Blog Leadspace@2x-100 (1).jpg","path":null,"size":17.61,"width":500,"height":250,"sizeInBytes":17605},"medium":{"ext":".jpg","url":"/thought-leadership/institute-business-value/uploads/en/medium_1_Blog_Leadspace_2x_100_1_2aff6aa3a3.jpg","hash":"medium_1_Blog_Leadspace_2x_100_1_2aff6aa3a3","mime":"image/jpeg","name":"medium_#1 Blog Leadspace@2x-100 (1).jpg","path":null,"size":30.78,"width":750,"height":375,"sizeInBytes":30782},"thumbnail":{"ext":".jpg","url":"/thought-leadership/institute-business-value/uploads/en/thumbnail_1_Blog_Leadspace_2x_100_1_2aff6aa3a3.jpg","hash":"thumbnail_1_Blog_Leadspace_2x_100_1_2aff6aa3a3","mime":"image/jpeg","name":"thumbnail_#1 Blog Leadspace@2x-100 (1).jpg","path":null,"size":5.81,"width":245,"height":123,"sizeInBytes":5806}},"hash":"1_Blog_Leadspace_2x_100_1_2aff6aa3a3","ext":".jpg","mime":"image/jpeg","size":187.15,"url":"/thought-leadership/institute-business-value/uploads/en/1_Blog_Leadspace_2x_100_1_2aff6aa3a3.jpg","previewUrl":null,"provider":"strapi-provider-upload-ibv-cos","provider_metadata":null,"createdAt":"2024-06-27T18:39:18.609Z","updatedAt":"2024-06-27T18:39:18.609Z"},"mlinks":null,"assets":[]},{"id":134,"slug":"power-gen-ai-in-erp-systems","title":"Unlocking the power of gen AI in ERP systems","subtitle":"A practical on-ramp to innovation","date":"2024-06-04T00:00:00.000Z","blurb":"As enterprises embark on generative AI initiatives, they require rich data sources that reflect their unique realities. ERP systems, such as SAP, hold this critical input. ","content":"\u003cp\u003eAs enterprises embark on generative AI initiatives, they require rich data sources that reflect their unique realities. ERP systems, such as SAP, hold this critical input.\u0026nbsp;\u003ca href=\"https://www.ibm.com/downloads/cas/WQVPW4JP\"\u003eRecent research \u003c/a\u003efrom the\u0026nbsp;\u003ca href=\"http://www.ibm.com/ibv\"\u003eIBM Institute for Business Value\u003c/a\u003e\u0026nbsp;reveals that organizations applying gen AI solutions to SAP data are experiencing greater profitability and are well-positioned to take full advantage of gen AI innovations.\u003c/p\u003e\u003cp\u003e\u003cspan style=\"background-color:white;color:#161616;\"\u003eWhat's driving this synergy between ERP systems and gen AI? Three reasons stand out:\u0026nbsp;\u003c/span\u003e\u003cbr\u003e\u0026nbsp;\u003c/p\u003e\u003col\u003e\u003cli\u003e\u003cspan style=\"background-color:white;color:#161616;\"\u003eSheer volume and variety of data: ERP systems provide the foundation for gen AI models to learn and generate highly relevant outputs.\u003c/span\u003e\u003c/li\u003e\u003cli\u003e\u003cspan style=\"background-color:white;color:#161616;\"\u003eInherent structure and organization of ERP data: This enables gen AI models to process information more efficiently and extract valuable insights with greater accuracy.\u003c/span\u003e\u003c/li\u003e\u003cli\u003e\u003cspan style=\"background-color:white;color:#161616;\"\u003eIntrinsic trust in ERP data: Since businesses rely on ERP systems for core operations, they strive to sustain accurate, well-maintained, and secure data, which boosts confidence in gen AI models trained on this data.\u003c/span\u003e\u003c/li\u003e\u003c/ol\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u003cspan style=\"background-color:white;color:#161616;\"\u003eTo capitalize on this potential, organizations must think hard about the critical prerequisites to SAP-specific gen AI success. At a minimum, they must get their cloud infrastructure, talent, and governance right. By doing so, they can accelerate their gen AI adoption, drive innovation, and reap the benefits of SAP-specific gen AI initiatives.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan style=\"background-color:white;color:#161616;\"\u003eCritically, given the breadth of potential gen AI use cases, organizations must prioritize those activities that can be improved with gen AI solutions today and into the future. By urgently instituting enterprise-wide gen AI governance to keep gen AI priorities aligned to desired outcomes and by embracing strategies in support of the prerequisites outlined above, organizations can unlock the full potential of gen AI in ERP systems to drive innovation, growth, and profitability.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cfigure class=\"table\"\u003e\u003ctable\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd style=\"width:150px;\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd\u003e\u003ca href=\"https://www.ibm.com/downloads/cas/WQVPW4JP\"\u003e\u003cimg src=\"/thought-leadership/institute-business-value/uploads/en/Gv_V_Am_AO_Wc_Fj3_Bdi_Sqi6icszu_fd1f5e0508.gif\" width=\"339\" height=\"55\"\u003e\u0026nbsp;\u003c/a\u003e\u003c/td\u003e\u003ctd style=\"width:150px;\"\u003e\u0026nbsp;\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/table\u003e\u003c/figure\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e","approved":true,"image_alt":"Unlocking the power of gen AI in ERP systems","thumbnail_alt":"Unlocking the power of gen AI in ERP systems","hideRelatedBlogs":false,"createdAt":"2024-06-03T19:24:22.105Z","updatedAt":"2024-06-03T21:53:20.150Z","author":[{"id":1337,"name":"Michael Perera","email":"mperera@us.ibm.com","twitter":"","facebook":"","linkedin":"https://linkedin.com/in/michaelperera01/","featured":false,"priority":0,"title":"Global Managing Director, SAP \u0026 Palo Alto, IBM","image_alt":"Michael Perera","place_of_employment":"","bio":"","createdAt":"2024-06-03T19:45:35.487Z","updatedAt":"2024-11-07T12:41:29.971Z","image":{"id":10686,"name":"478018897.jpg","alternativeText":null,"caption":null,"width":400,"height":400,"formats":{"thumbnail":{"ext":".jpg","url":"/thought-leadership/institute-business-value/uploads/en/thumbnail_478018897_73e3a57d87.jpg","hash":"thumbnail_478018897_73e3a57d87","mime":"image/jpeg","name":"thumbnail_478018897.jpg","path":null,"size":4.28,"width":156,"height":156,"sizeInBytes":4281}},"hash":"478018897_73e3a57d87","ext":".jpg","mime":"image/jpeg","size":19.56,"url":"/thought-leadership/institute-business-value/uploads/en/478018897_73e3a57d87.jpg","previewUrl":null,"provider":"strapi-provider-upload-ibv-cos","provider_metadata":null,"createdAt":"2024-06-03T20:05:03.924Z","updatedAt":"2024-06-03T20:05:03.924Z"}},{"id":151,"name":"Stacy Short","email":"scshort@us.ibm.com","twitter":"","facebook":"","linkedin":"https://www.linkedin.com/in/stacy-short-929733/ ","featured":false,"priority":0,"title":"SAP Global Partnership Executive, IBM Consulting","image_alt":"Stacy Short","place_of_employment":"","bio":"","createdAt":"2018-12-01T12:32:53.132Z","updatedAt":"2024-11-04T14:29:41.997Z","image":{"id":10687,"name":"917639897.jpg","alternativeText":null,"caption":null,"width":400,"height":400,"formats":{"thumbnail":{"ext":".jpg","url":"/thought-leadership/institute-business-value/uploads/en/thumbnail_917639897_1b4c7a9d7e.jpg","hash":"thumbnail_917639897_1b4c7a9d7e","mime":"image/jpeg","name":"thumbnail_917639897.jpg","path":null,"size":5.93,"width":156,"height":156,"sizeInBytes":5927}},"hash":"917639897_1b4c7a9d7e","ext":".jpg","mime":"image/jpeg","size":20.63,"url":"/thought-leadership/institute-business-value/uploads/en/917639897_1b4c7a9d7e.jpg","previewUrl":null,"provider":"strapi-provider-upload-ibv-cos","provider_metadata":null,"createdAt":"2024-06-03T20:08:37.497Z","updatedAt":"2024-06-03T20:08:37.497Z"}},{"id":931,"name":"Garrick Keatts","email":"Garrick.Keatts@us.ibm.com","twitter":"","facebook":"","linkedin":"https://linkedin.com/in/garrick-keatts-5400b83","featured":false,"priority":0,"title":"Senior Partner, Practice Leader, SAP, IBM Consulting","image_alt":"Garrick Keatts","place_of_employment":"","bio":"","createdAt":"2022-09-03T01:01:51.839Z","updatedAt":"2024-11-07T12:41:26.570Z","image":{"id":10685,"name":"2D4345897.jpg","alternativeText":null,"caption":null,"width":400,"height":400,"formats":{"thumbnail":{"ext":".jpg","url":"/thought-leadership/institute-business-value/uploads/en/thumbnail_2_D4345897_077d3058f6.jpg","hash":"thumbnail_2_D4345897_077d3058f6","mime":"image/jpeg","name":"thumbnail_2D4345897.jpg","path":null,"size":3.97,"width":156,"height":156,"sizeInBytes":3967}},"hash":"2_D4345897_077d3058f6","ext":".jpg","mime":"image/jpeg","size":13.64,"url":"/thought-leadership/institute-business-value/uploads/en/2_D4345897_077d3058f6.jpg","previewUrl":null,"provider":"strapi-provider-upload-ibv-cos","provider_metadata":null,"createdAt":"2024-06-03T20:03:23.280Z","updatedAt":"2024-06-03T20:03:23.280Z"}}],"image":{"id":10683,"name":"blog-ls-1456x728.jpg","alternativeText":null,"caption":null,"width":1456,"height":728,"formats":{"large":{"ext":".jpg","url":"/thought-leadership/institute-business-value/uploads/en/large_blog_ls_1456x728_0f1b68fc86.jpg","hash":"large_blog_ls_1456x728_0f1b68fc86","mime":"image/jpeg","name":"large_blog-ls-1456x728.jpg","path":null,"size":30.07,"width":1000,"height":500,"sizeInBytes":30074},"small":{"ext":".jpg","url":"/thought-leadership/institute-business-value/uploads/en/small_blog_ls_1456x728_0f1b68fc86.jpg","hash":"small_blog_ls_1456x728_0f1b68fc86","mime":"image/jpeg","name":"small_blog-ls-1456x728.jpg","path":null,"size":10.83,"width":500,"height":250,"sizeInBytes":10830},"medium":{"ext":".jpg","url":"/thought-leadership/institute-business-value/uploads/en/medium_blog_ls_1456x728_0f1b68fc86.jpg","hash":"medium_blog_ls_1456x728_0f1b68fc86","mime":"image/jpeg","name":"medium_blog-ls-1456x728.jpg","path":null,"size":19.3,"width":750,"height":375,"sizeInBytes":19304},"thumbnail":{"ext":".jpg","url":"/thought-leadership/institute-business-value/uploads/en/thumbnail_blog_ls_1456x728_0f1b68fc86.jpg","hash":"thumbnail_blog_ls_1456x728_0f1b68fc86","mime":"image/jpeg","name":"thumbnail_blog-ls-1456x728.jpg","path":null,"size":3.87,"width":245,"height":123,"sizeInBytes":3870}},"hash":"blog_ls_1456x728_0f1b68fc86","ext":".jpg","mime":"image/jpeg","size":54.49,"url":"/thought-leadership/institute-business-value/uploads/en/blog_ls_1456x728_0f1b68fc86.jpg","previewUrl":null,"provider":"strapi-provider-upload-ibv-cos","provider_metadata":null,"createdAt":"2024-06-03T19:57:18.626Z","updatedAt":"2024-06-03T19:57:18.626Z"},"thumbnail":{"id":10684,"name":"blog-ls-1456x728.jpg","alternativeText":null,"caption":null,"width":1456,"height":728,"formats":{"large":{"ext":".jpg","url":"/thought-leadership/institute-business-value/uploads/en/large_blog_ls_1456x728_de4ae805e5.jpg","hash":"large_blog_ls_1456x728_de4ae805e5","mime":"image/jpeg","name":"large_blog-ls-1456x728.jpg","path":null,"size":30.07,"width":1000,"height":500,"sizeInBytes":30074},"small":{"ext":".jpg","url":"/thought-leadership/institute-business-value/uploads/en/small_blog_ls_1456x728_de4ae805e5.jpg","hash":"small_blog_ls_1456x728_de4ae805e5","mime":"image/jpeg","name":"small_blog-ls-1456x728.jpg","path":null,"size":10.83,"width":500,"height":250,"sizeInBytes":10830},"medium":{"ext":".jpg","url":"/thought-leadership/institute-business-value/uploads/en/medium_blog_ls_1456x728_de4ae805e5.jpg","hash":"medium_blog_ls_1456x728_de4ae805e5","mime":"image/jpeg","name":"medium_blog-ls-1456x728.jpg","path":null,"size":19.3,"width":750,"height":375,"sizeInBytes":19304},"thumbnail":{"ext":".jpg","url":"/thought-leadership/institute-business-value/uploads/en/thumbnail_blog_ls_1456x728_de4ae805e5.jpg","hash":"thumbnail_blog_ls_1456x728_de4ae805e5","mime":"image/jpeg","name":"thumbnail_blog-ls-1456x728.jpg","path":null,"size":3.87,"width":245,"height":123,"sizeInBytes":3870}},"hash":"blog_ls_1456x728_de4ae805e5","ext":".jpg","mime":"image/jpeg","size":54.49,"url":"/thought-leadership/institute-business-value/uploads/en/blog_ls_1456x728_de4ae805e5.jpg","previewUrl":null,"provider":"strapi-provider-upload-ibv-cos","provider_metadata":null,"createdAt":"2024-06-03T19:57:55.211Z","updatedAt":"2024-06-03T19:57:55.211Z"},"mlinks":null,"assets":[]},{"id":99,"slug":"emerging-technologies-law-enforcement-safety","title":"How emerging technologies can transform law enforcement and public safety","subtitle":"","date":"2023-03-13T12:00:00.000Z","blurb":"New forces and trends are reshaping law enforcement and public safety.","content":"\u003cp\u003e\u003cstrong\u003eNew forces and trends are reshaping law enforcement and public safety\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eLaw enforcement is changing more rapidly than ever before. New forms of crime, advanced technologies, and evolving relationships with citizens and communities are challenging and shifting the very foundations and scope of law enforcement and public safety and how organizations and the officials perform their critical mission.\u003c/p\u003e\n\n\u003cp\u003eAs a result, new processes, new tools and new strategies are urgently needed to equip law enforcement and public safety personnel with the resources and capabilities required to focus on core, value-added mission functions. Success will require deep understanding and adoption of new technologies, coupled with cultural and organizational changes. As emerging technologies drive new business and service models, governments must be prepared to rapidly create, modify, and enhance policy and regulatory frameworks to help ensure they\u0026rsquo;re leveraged effectively and responsibly and maximize value to the communities they serve.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eNew technological developments are resulting in an explosion of data that is reshaping the law enforcement mission\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eThere is an ongoing convergence of key digital technologies that have the potential to transform the way law enforcement officers work and perform their critical function of protecting and serving communities. Key disruptive technologies include 5G mobile communications, artificial intelligence (AI), data analytics, and the Internet of Things (IoT). Independently, each of these technologies have the potential for significant impact; however, the combination of these technologies is poised to create unprecedented opportunities to significantly augment the capabilities of law enforcement and public safety personnel and to significantly improve mission outcomes. The explosion of real time data available to organizations can accelerate the adoption of AI systems that will augment human capabilities. AI represents machine-based intelligence, typically manifested in \u0026quot;cognitive\u0026quot; functions that humans associate with other human minds.\u0026nbsp;There are a range of different technologies involved in AI including machine learning, natural language processing, deep learning, and more. Cognitive computing involves self-learning systems that use data mining, pattern recognition, and natural language processing to mimic the way the human brain works.\u003c/p\u003e\n\n\u003cp\u003eAI has many potentially beneficial applications in law enforcement including (pre-) processing large amounts of data (e.g. from confiscated digital devices, police reports or digitized cold cases), finding case-relevant information to aid investigation and prosecution, providing easier to use services for civilians (e.g. with interactive forms or chatbots), and generally enhancing productivity and paperless end-to-end workflows. It can be used to promote human rights, dignity, freedom, equality, solidarity, democracy and rule of law. AI also helps socialize the tacit knowledge across the organization and improves collaboration beyond organizational boundaries.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eThe Challenges of AI, Human and Machine Interaction\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eThe heart of new investigative analytics and similar tools is human-machine integration. The idea is not to have digital technology replace humans that perform critical law enforcement and public safety functions, but rather to have it augment their capabilities, allowing each to work to focus on and leverage their strengths. Digital technology can crunch massive volumes of data to pull out clues a human could never find, while the human can adapt it for context, understand circumstances, and interact with other humans.\u003c/p\u003e\n\n\u003cp\u003eWhile AI is indeed a very promising technology that could provide many benefits to law enforcement and public safety missions, it is important to be aware of its limitations as well as understanding and ensuring the ethical and responsible use of AI. This is imperative to begin to remedy common misconceptions people have about the use of this technology. Established and accepted guidelines and legal frameworks for the ethical use of AI (e.g., the \u003ca href=\"https://www.europarl.europa.eu/RegData/etudes/BRIE/2019/640163/EPRS_BRI(2019)640163_EN.pdf\" target=\"_blank\"\u003eEU Ethics Guidelines for Trustworthy AI\u003c/a\u003e, \u003ca href=\"https://www.consilium.europa.eu/en/press/press-releases/2022/12/06/artificial-intelligence-act-council-calls-for-promoting-safe-ai-that-respects-fundamental-rights/\" target=\"_blank\"\u003eEU Artificial Intelligence Act\u003c/a\u003e, the \u003ca href=\"https://oecd.ai/en/ai-principles\"\u003eOECD AI Principles\u003c/a\u003e\u003ca href=\"https://oecd.ai/en/ai-principles\" target=\"_blank\"\u003e, Australia\u0026rsquo;s AI Ethics Principles\u003c/a\u003e) continue to emerge and will constantly evolve. These frameworks will help set guidelines for the development and use of this technology and AI-enabled systems and capabilities will need to be adaptable to these new standards and regulations.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eBuilding on Momentum to Strengthen Readiness\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eIBM and the \u003ca href=\"https://www.mi-labs.de/#projects\" target=\"_blank\"\u003eMunich Innovation Labs\u003c/a\u003e have been working on a series of innovations to leverage AI to help enhance the role of the law enforcement and public safety personnel while also ensuring its responsible use. These innovations include the following:\u003cbr /\u003e\n\u0026nbsp;\u003c/p\u003e\n\n\u003col\u003e\n\t\u003cli\u003e\u003cstrong\u003eLeveraging AI to detect hate speech:\u003c/strong\u003e Create standards and harmonize practices to capture threat intelligence from internal and external data sources through an ecosystem of security tool integrations and open-source intelligence (OSINT) feeds to help public safety agencies detect and share threat data faster and prepare preventive actions against crime.\u003cbr /\u003e\n\t\u0026nbsp;\u003c/li\u003e\n\t\u003cli\u003e\u003cstrong\u003eGaining efficiency and automation in a very fragmented system:\u003c/strong\u003e AI is a complex technology, but it is critical that AI is human-friendly, usable, fair, trustworthy, and explainable. There are a set of use cases that demonstrate how to design and build AI applications that are transparent and maintain human control of decision making throughout all processes.\u003cem\u003e\u0026nbsp; \u003c/em\u003e\u003cbr /\u003e\n\t\u0026nbsp;\u003c/li\u003e\n\t\u003cli\u003e\u003cstrong\u003eCollaboration across national boundaries:\u003c/strong\u003e Data Analytics and AI contribute to knowledge sharing across countries and help improve law enforcement. Lessons learned from different countries are being analyzed to accelerate the right adoption of technology and its adherence to the \u003ca href=\"https://www.europarl.europa.eu/RegData/etudes/BRIE/2019/640163/EPRS_BRI(2019)640163_EN.pdf\" target=\"_blank\"\u003eEU Ethics Guidelines for Trustworthy AI\u003c/a\u003e and the \u003ca href=\"https://www.consilium.europa.eu/en/press/press-releases/2022/12/06/artificial-intelligence-act-council-calls-for-promoting-safe-ai-that-respects-fundamental-rights/\" target=\"_blank\"\u003eEU Artificial Intelligence Act.\u003c/a\u003e\u003cbr /\u003e\n\t\u0026nbsp;\u003c/li\u003e\n\u003c/ol\u003e\n\n\u003cp\u003eNew and emerging technologies have the ability to help law enforcement and public safety organizations keep pace with advances in criminal capabilities and evolving mission requirements. \u0026nbsp;Organizations like the \u003ca href=\"https://www.mi-labs.de/\" target=\"_blank\"\u003eMunich Innovation Labs\u003c/a\u003e and other major nonprofit organizations, are envisioning the ways these new technologies can enhance the missions of these organizations and developing recommendations based on real-world use cases to help organizations around the world better prepare for the future.\u003c/p\u003e\n\n\u003cp\u003eOver the coming months, we plan to convene a series of discussions with global experts and share lessons learned through a series of blogs outlining strategies and solutions for governments to address the challenges that lie ahead. We encourage you to contact us (\u003ca href=\"https://www.linkedin.com/in/cristina-caballe-77516938/\" target=\"_blank\"\u003eCristina Caballe\u003c/a\u003e, and \u003ca href=\"https://www.linkedin.com/in/markus-straub-16978320/\" target=\"_blank\"\u003eMarkus Straub\u003c/a\u003e) directly to learn more. Stay tuned for the next blog on \u0026ldquo;Leveraging AI to detect hate speech.\u0026rdquo;\u003c/p\u003e\n","approved":true,"image_alt":"How emerging technologies can transform law enforcement and public safety","thumbnail_alt":"How emerging technologies can transform law enforcement and public safety","hideRelatedBlogs":false,"createdAt":"2023-03-13T19:55:41.196Z","updatedAt":"2023-05-26T22:39:25.395Z","author":[{"id":960,"name":"Cristina Caballé Fuguet ","email":"Cristina.Caballe@es.ibm.com","twitter":"","facebook":"","linkedin":"https://www.linkedin.com/in/cristina-caballe-77516938/","featured":false,"priority":0,"title":"Vice President, Global Public Sector, IBM ","image_alt":"Cristina Caballé","place_of_employment":"","bio":"","createdAt":"2023-03-10T22:54:08.781Z","updatedAt":"2024-08-02T15:43:29.366Z","image":{"id":8575,"name":"088977838.jpg","alternativeText":null,"caption":null,"width":400,"height":400,"formats":null,"hash":"088977838_4041087d7e","ext":".jpg","mime":"image/jpeg","size":34.53,"url":"/thought-leadership/institute-business-value/uploads/en/088977838_4041087d7e","previewUrl":null,"provider":"ibv-cos","provider_metadata":null,"createdAt":"2023-03-10T23:05:47.675Z","updatedAt":"2023-03-10T23:05:47.706Z"}},{"id":961,"name":"Markus Straub","email":"markus.straub@de.ibm.com","twitter":"","facebook":"","linkedin":"https://www.linkedin.com/in/markus-straub-16978320/ ","featured":false,"priority":0,"title":"IBM Public Sector Germany","image_alt":"Markus Straub","place_of_employment":"","bio":"","createdAt":"2023-03-10T22:55:29.165Z","updatedAt":"2023-05-26T22:39:25.374Z","image":{"id":8574,"name":"212561724.jpg","alternativeText":null,"caption":null,"width":400,"height":400,"formats":null,"hash":"212561724_6173bb6bb1","ext":".jpg","mime":"image/jpeg","size":18.47,"url":"/thought-leadership/institute-business-value/uploads/en/212561724_6173bb6bb1","previewUrl":null,"provider":"ibv-cos","provider_metadata":null,"createdAt":"2023-03-10T23:04:52.768Z","updatedAt":"2023-03-10T23:04:52.805Z"}}],"image":{"id":8578,"name":"government-ai-blog.jpg","alternativeText":null,"caption":null,"width":1456,"height":728,"formats":null,"hash":"government_ai_blog_7c9693cfc7","ext":".jpg","mime":"image/jpeg","size":202.91,"url":"/thought-leadership/institute-business-value/uploads/en/government_ai_blog_7c9693cfc7","previewUrl":null,"provider":"ibv-cos","provider_metadata":null,"createdAt":"2023-03-13T20:08:04.403Z","updatedAt":"2023-03-13T20:08:04.445Z"},"thumbnail":{"id":8579,"name":"government-ai-blog.jpg","alternativeText":null,"caption":null,"width":1456,"height":728,"formats":null,"hash":"government_ai_blog_e2b8ecab3f","ext":".jpg","mime":"image/jpeg","size":202.91,"url":"/thought-leadership/institute-business-value/uploads/en/government_ai_blog_e2b8ecab3f","previewUrl":null,"provider":"ibv-cos","provider_metadata":null,"createdAt":"2023-03-13T20:08:35.026Z","updatedAt":"2023-03-13T20:08:35.090Z"},"mlinks":null,"assets":[]},{"id":97,"slug":"government-prepare-future-shocks","title":"Preparing governments for future shocks","subtitle":"","date":"2022-07-13T12:00:00.000Z","blurb":"Government leaders should prioritize their capabilities in six key areas as they anticipate and prepare for future “shock” events.","content":"\u003cp\u003eThe COVID-19 pandemic exposed governments to a host of mostly unexpected challenges. And while leaders have captured many lessons, it is questionable if they have fully embraced them.\u0026nbsp;\u003c/p\u003e\n\n\u003cp\u003eOver the past two years,\u0026nbsp;governments around the world have navigated\u0026nbsp;and responded to the impacts of\u0026nbsp;the pandemic.\u0026nbsp;Throughout this journey,\u0026nbsp;governments have captured valuable lessons and gained an understanding of critical areas of focus. But government leaders are now telling us they fear what were previously viewed as rare Black Swan events are now becoming more frequent\u0026mdash;and more destabilizing.\u003c/p\u003e\n\n\u003cp\u003eOne event follows closely on the heels of another, or even multiple events are occurring at the same time. For example, the COVID-19 pandemic was still ongoing when the unthinkable happened\u0026mdash;the Russian invasion of Ukraine leading to deteriorating international relations. Various climatic/environmental challenges are occurring around the world, such as \u003ca href=\"https://news.sky.com/story/southern-france-lashed-by-heavy-rain-thunder-and-flooding-12407846\" target=\"_blank\"\u003esevere flooding in France\u003c/a\u003e, both \u003ca href=\"https://www.theguardian.com/australia-news/2022/mar/10/parts-of-australia-suffer-drought-and-low-rainfall-as-la-nina-and-climate-change-create-weather-extremes\" target=\"_blank\"\u003edrought\u003c/a\u003e and \u003ca href=\"https://en.wikipedia.org/wiki/2019%E2%80%9320_Australian_bushfire_season#cite_note-:2-2\" target=\"_blank\"\u003ebushfires in Australia\u003c/a\u003e, and \u003ca href=\"https://www.cnn.com/2022/05/04/us/california-drought-water-restrictions-climate/index.html\" target=\"_blank\"\u003ewater shortages in California\u003c/a\u003e. And we are experiencing the economic fallout from the pandemic and the war, which has even the \u003ca href=\"https://www.worldbank.org/en/news/press-release/2022/06/07/stagflation-risk-rises-amid-sharp-slowdown-in-growth-energy-markets\" target=\"_blank\"\u003eWorld Bank concerned about a period of stagflation\u003c/a\u003e. Governments must develop the agility and resiliency to protect against and respond to this plethora of challenges.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eRecognizing recent successes\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eWhile many stories detail the troubles the world has faced, it is important to remember where governments have successfully delivered extremely valuable solutions and services for their constituents (albeit after some delay) over the past few years.\u0026nbsp; IBM has partnered with government agencies to navigate the pandemic; for example:\u003c/p\u003e\n\n\u003cul\u003e\n\t\u003cli\u003eThe Italian Ministry of Health and the Red Cross built a \u003ca href=\"https://www.ibm.com/blogs/client-voices/machine-learning-keeps-ambulance-transport-on-schedule/\" target=\"_blank\"\u003epredictive platform for ambulance transport times\u003c/a\u003e, fully integrated with the national healthcare system allowing for multiple layers of analytics. As a result, data collection, driver shift management, invoicing of completed trips, and much more were greatly improved.\u003c/li\u003e\n\t\u003cli\u003eIn the United States, New York State launched the \u003ca href=\"https://newsroom.ibm.com/Digital-Solutions-Help-Support-New-York-State-with-Reopening-Plans\" target=\"_blank\"\u003enation\u0026rsquo;s first state-run vaccine passport\u003c/a\u003e, allowing easier verification of vaccine status and test results.\u003c/li\u003e\n\t\u003cli\u003eIn Rhode Island, the state built a \u003ca href=\"https://www.ibm.com/case-studies/state-of-rhode-island-ibm-consulting/\" target=\"_blank\"\u003ecloud-based data lake and automated processes\u003c/a\u003e to enable faster, more sophisticated, and more reliable analysis. Within three weeks, the data team was disseminating deeper COVID-19 insights needed to guide policy and operational decisions and keep the public informed.\u003c/li\u003e\n\t\u003cli\u003eThe US Department of Defense (DoD) ordered the creation of the \u003ca href=\"https://www.ibm.com/downloads/cas/YODO9EVN\" target=\"_blank\"\u003eJoint Artificial Intelligence Center (JAIC)\u003c/a\u003e with the goal of enabling teams across DoD to swiftly deliver innovative AI-enabled capabilities and effectively experiment with new operating concepts in support of US DoD\u0026rsquo;s disaster and humanitarian response to the pandemic.\u003c/li\u003e\n\u003c/ul\u003e\n\n\u003cp\u003eGovernments have had two years to learn from grappling with the pandemic. They have improved stability to the point where they are no longer forced to think minute-to-minute but can look into the future and imagine what \u0026ldquo;shocks\u0026rdquo; may come next.\u0026nbsp;\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eWhat do we mean by \u0026ldquo;shocks\u0026rdquo;\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eShocks are events with severely disruptive consequences. They could be rapid- or slow-onset, or regional or global. While the scope and nature of a particular shock can vary, each requires governments to be prepared to coordinate a response (see figure).\u003c/p\u003e\n\n\u003cp\u003eShock events typically begin locally, and their impacts spread rapidly through contamination or contagion to societies and economies. Regional shocks are limited to a specific geographic area or sovereign state(s) and include events such as climate-related or other natural disasters and cyber events/attacks on economies or critical infrastructure.\u003c/p\u003e\n\n\u003cp\u003eRapid-onset shocks, such as wildfires, have immediate impacts requiring urgent action. However, not all shocks are immediate and come as a surprise. Slow-onset shocks, including environmental risks resulting from climate change, provide more time for impacted governments and societies to adjust, react, and mitigate impact.\u003c/p\u003e\n\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\n\n\u003cp\u003e\u003cimg alt=\"\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/n_Dp_A_qr_DL_1x_Vrv_Geq_RTXKSSJ_fdb292cbc2\" style=\"height:684px; width:753px\" /\u003e\u003c/p\u003e\n\n\u003cp\u003eThe bottom line is that future shocks of all kinds are likely to happen more and more frequently, and governments can\u0026rsquo;t afford to assume a reactive posture. The time to act\u0026mdash;the time to prepare\u0026mdash;is now. If the pandemic taught us anything, it is that governments have a responsibility to anticipate and be ready for the worst.\u0026nbsp;\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003ePreparation priorities\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eIn our client conversations, we have distilled the lessons captured from pandemic-era experiences\u0026mdash;both positive and negative\u0026mdash;into \u003ca href=\"https://www.businessofgovernment.org/node/4547\" target=\"_blank\"\u003efour core themes\u003c/a\u003e that are fundamental to continuing and accelerating government transformation and to preparing for the future:\u0026nbsp;\u003c/p\u003e\n\n\u003cul\u003e\n\t\u003cli\u003e\u003cstrong\u003eRapid innovation and agility\u003c/strong\u003e\u0026mdash;Many governments, even those caught off-guard by the pandemic, quickly shifted to rapid innovation and modernization.\u003c/li\u003e\n\t\u003cli\u003e\u003cstrong\u003eTrust and transparency\u003c/strong\u003e\u0026mdash;Providing essential services and averting economic collapse are further complicated by demands from citizens for protection, personal liberty, and equity.\u003c/li\u003e\n\t\u003cli\u003e\u003cstrong\u003eSecurity\u003c/strong\u003e\u0026mdash;The stress of the pandemic exposed existing gaps in cybersecurity and critical infrastructure security and created new ones.\u003c/li\u003e\n\t\u003cli\u003e\u003cstrong\u003eTalent and transformation\u003c/strong\u003e\u0026mdash;The workers of today need to become the workers of tomorrow by learning the new skills and technologies that are expected to become ubiquitous among government workforces.\u003c/li\u003e\n\u003c/ul\u003e\n\n\u003cp\u003eWithin each of these areas, governments need to develop insights as to what is required to continue to build resiliency and anticipate future shocks. Readiness requires governments at all levels to prioritize leadership attention and investments as well as define and orchestrate strategies to address challenges in several key domains. Governments need to build a set of core capabilities to be better prepared for the future. Those capabilities can be organized within the following 6 strategic domains:\u003c/p\u003e\n\n\u003cul\u003e\n\t\u003cli\u003eEmergency preparedness\u003c/li\u003e\n\t\u003cli\u003eSupply chain\u003c/li\u003e\n\t\u003cli\u003eCybersecurity\u003c/li\u003e\n\t\u003cli\u003eSustainability\u003c/li\u003e\n\t\u003cli\u003eWorkforce development\u003c/li\u003e\n\t\u003cli\u003eCross-border coordination.\u003c/li\u003e\n\u003c/ul\u003e\n\n\u003cp\u003eLet\u0026rsquo;s look at each domain in more detail.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eRenewed investment in emergency preparedness\u003c/strong\u003e is required to cope with the increased frequency of regional and global rapid-onset events. Nations need to be ready to cope with a serial outage in the Critical National Infrastructure (for example, power supply, gas). Potential vulnerabilities touch all parts of government and society, including the 16 sectors whose \u0026ldquo;assets, systems, and networks, whether physical or virtual are considered so vital to the United States that their incapacitation or destruction would have a debilitating effect on security, national economic security, national public health or safety\u0026rdquo; as identified by the \u003ca href=\"https://www.cisa.gov/critical-infrastructure-sectors\" target=\"_blank\"\u003eCybersecurity and Infrastructure Security Agency\u003c/a\u003e. Emergency and preparedness response can\u0026mdash;and must\u0026mdash;be improved to withstand the threats of the today\u0026rsquo;s world.\u0026nbsp;\u0026nbsp;\u0026nbsp;\u003c/p\u003e\n\n\u003cp\u003eAnother key focus area is \u003cstrong\u003emodernizing supply chains\u003c/strong\u003e. Supply chain leaders have struggled with how to maintain supply chain continuity in the face of current disruptions. While many agencies felt that they had diversity in their supplier base, they realized that most of those suppliers were actually going to the same source\u0026mdash;companies with distribution centers located in China. \u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/report/smarter-supply-chains\" target=\"_blank\"\u003eIn IBM Institute for Business Value (IBV) research\u003c/a\u003e we found that 93% of organizations have faced challenges associated with demand volatility. Leaders are expressing new urgency in redesigning supply chains for control, integrity, and dynamic agility while identifying new models that can avoid breakdowns better than the traditional \u0026ldquo;just-in-time\u0026rdquo; approach. To mitigate the risks of future disruptions, supply chains must be reimagined to allow for real-time visibility and auditability as well as dynamic, AI-enabled responsiveness, all while helping to manage the integrity and security of the supply chain ecosystem. Opportunities for modernization exist from the front end to the back end of the supply chain and everywhere in between.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eReinforcing the security imperative and cybersecurity\u003c/strong\u003e for Critical National Infrastructure is another critical domain. 2021 was a record year for cyberattacks. \u003ca href=\"http://www.fastcompany.com/90715622/cyberattacks-ransomware-data-breach-new-record-2021\" target=\"_blank\"\u003eData breaches jumped 23%\u003c/a\u003e over the previous all-time high set in 2017, and \u003ca href=\"https://www.fastcompany.com/90715622/cyberattacks-ransomware-data-breach-new-record-2021\"\u003eransomware attacks doubled\u003c/a\u003e the past 2 years in a row. High-profile attacks through SolarWinds and Microsoft Exchange Server, and on the Colonial Pipeline infrastructure, to name just a few, demonstrated how closely \u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/en-us/report/government-digital-transformation\" target=\"_blank\"\u003ecybersecurity is tied to business continuity and operational resilience\u003c/a\u003e. \u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/en-us/report/zero-trust-security\" target=\"_blank\"\u003eA recent IBV report\u003c/a\u003e found that \u0026ldquo;70% of organizations are unable to secure data that moves across multiple cloud and on-premises environments\u0026rdquo; and \u0026ldquo;92% of organizations lack the ability to securely enable and extend new cloud-native capabilities to their internal and external partners.\u0026rdquo; Governments must act to bolster security capabilities that protect both public- and private- sector institutions\u0026rsquo; assets within the Critical National Infrastructure.\u003c/p\u003e\n\n\u003cp\u003eOver the next decade, \u003ca href=\"https://www3.weforum.org/docs/WEF_The_Global_Risks_Report_2022.pdf\" target=\"_blank\"\u003e8 of the top 10 global risks\u003c/a\u003e identified by the World Economic Forum (WEF) are environmental or societal, with climate action failure, extreme weather, and biodiversity loss topping the list. In a \u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/en-us/c-suite-study/ceo\" target=\"_blank\"\u003erecent IBV study\u003c/a\u003e, 57% of government CEOs identified increasing sustainability as a top priority in the next 2-3 years compared to just 48% of CEOs from all industries. Government leaders clearly see that it is vital to \u003cstrong\u003eaccelerate the green agenda\u003c/strong\u003e for sustainability, energy transition, and climate change. Nations and regions need to be prepared to address an increased frequency of rapid-onset climate/environmental catastrophes (such as, flooding and wildfires) and take actions to address slow-onset climate-related events.\u003c/p\u003e\n\n\u003cp\u003eRapid technological advances, increased globalization, and unprecedented industry disruption are destabilizing traditional job roles and fueling a global skills crisis. \u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/en-us/c-suite-study/ceo\" target=\"_blank\"\u003eIn a recent IBV study\u003c/a\u003e, a third of government leaders identified inadequate skills and resources as one of the greatest challenges facing their organization. To avoid negative repercussions within their organizations as well as for individuals and economies worldwide, government leaders must work to deepen the talent pool and build the workforce of the future by \u003cstrong\u003eupskilling and reskilling talent.\u003c/strong\u003e \u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/en-us/report/government-digital-transformation\" target=\"_blank\"\u003eThey must build and maintain a workforce\u003c/a\u003e with the skills necessary to meet organizational responsibilities in the face of rapid technological advances and increased competition for top talent in local and regional labor markets.\u003c/p\u003e\n\n\u003cp\u003eGlobalization and the level of interconnectedness between countries has grown for decades. Just as the COVID-19 pandemic ignored borders and boundaries, so must the response systems that governments put in place to prepare for future shocks. They must \u003cstrong\u003estrengthen cross-border coordination\u003c/strong\u003e. It is vital that governments work with allies, trading partners, and neighboring sovereign states to help ensure cross-border response systems are constantly ready for fast, rigorous, and efficient responses to global events.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eBuilding on momentum to strenghthen readiness\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eGovernments should prepare for future shocks.\u0026nbsp;IBM, working through the\u0026nbsp;\u003ca href=\"https://www.businessofgovernment.org/\" target=\"_blank\"\u003eIBM Center for the Business of Government\u003c/a\u003e\u0026nbsp;and the\u0026nbsp;\u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/\" target=\"_blank\"\u003eIBM Institute for Business Value\u003c/a\u003e,\u0026nbsp;and in partnership with the\u0026nbsp;\u003ca href=\"http://www.napawash.org/\" target=\"_blank\"\u003eNational Academy of Public Administration\u003c/a\u003e\u0026nbsp;(NAPA) and other major nonprofit partners, expects that these six domains will be most critical to building resilience.\u0026nbsp;Further, we envision governments carrying the momentum they created from rapid pandemic-driven innovation into their preparation for future shocks.\u003c/p\u003e\n\n\u003cp\u003eCollaborative action to address anticipated threats requires focus and cooperation across a broad ecosystem of partners and stakeholders, but every step forward helps build progress toward addressing the \u003ca href=\"https://napawash.org/grand-challenges/the-12-grand-challenges\" target=\"_blank\"\u003eGrand Challenges in Public Administration\u003c/a\u003e put forth by NAPA. Over the coming months, we plan to convene a series of roundtable discussions with global experts from across the public and private sectors to curate and share lessons learned in each of these domains and to identify strategies and solutions for governments to address the challenges that lie ahead.\u003c/p\u003e\n\n\u003cp\u003eWe welcome your thoughts and perspectives and invite you to contact us directly (\u003ca href=\"https://www.linkedin.com/in/mikestone1/\" target=\"_blank\"\u003eMike Stone\u003c/a\u003e, and \u003ca href=\"https://www.linkedin.com/in/tim-paydos-857197/\" target=\"_blank\"\u003eTim Paydos\u003c/a\u003e) to learn more.\u003c/p\u003e\n\n\u003cp\u003e\u003ca href=\"https://www.businessofgovernment.org/node/4547\" target=\"_blank\"\u003e\u003cem\u003eListen to the podcast interview with Michael J Keegan\u003c/em\u003e\u003c/a\u003e\u003cem\u003e, Leadership Fellow, IBM Center for The Business of Government\u003c/em\u003e\u003cem\u003e \u003c/em\u003e\u003c/p\u003e\n","approved":true,"image_alt":"Preparing governments for future shocks","thumbnail_alt":"Preparing governments for future shocks","hideRelatedBlogs":false,"createdAt":"2022-07-12T02:13:57.380Z","updatedAt":"2022-07-14T22:38:00.854Z","author":[{"id":866,"name":"Timothy Paydos","email":"tpaydos@us.ibm.com","twitter":"https://twitter.com/timpaydos","facebook":"","linkedin":"https://www.linkedin.com/in/tim-paydos-857197/","featured":false,"priority":0,"title":"Vice President and General Manager, Government Industry Global Sales, IBM","image_alt":"Tim Paydos","place_of_employment":"","bio":"","createdAt":"2020-11-27T10:37:07.256Z","updatedAt":"2023-07-06T10:40:36.782Z","image":{"id":7738,"name":"paydos-hs.jpg","alternativeText":null,"caption":null,"width":508,"height":508,"formats":null,"hash":"paydos_hs_de88bb2e89","ext":".jpg","mime":"image/jpeg","size":22.39,"url":"/thought-leadership/institute-business-value/uploads/en/paydos_hs_de88bb2e89","previewUrl":null,"provider":"ibv-cos","provider_metadata":null,"createdAt":"2022-07-12T03:38:31.326Z","updatedAt":"2022-07-12T03:38:31.470Z"}},{"id":814,"name":"Mike Stone","email":"mike.stone@ibm.com","twitter":"","facebook":"","linkedin":"https://www.linkedin.com/in/mikestone1/","featured":false,"priority":0,"title":"Global Managing Director, Public Sector, Healthcare and Life Sciences, IBM","image_alt":"Mike Stone","place_of_employment":"","bio":"","createdAt":"2021-08-14T00:54:19.354Z","updatedAt":"2023-07-06T10:40:36.782Z","image":{"id":3454,"name":"1516231181036.jpg","alternativeText":null,"caption":null,"width":450,"height":450,"formats":null,"hash":"1516231181036_634fc3d0c0","ext":".jpg","mime":"image/jpeg","size":27.83,"url":"/thought-leadership/institute-business-value/uploads/en/1516231181036_634fc3d0c0","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2021-09-10T02:53:58.196Z","updatedAt":"2021-09-10T02:53:58.442Z"}}],"image":{"id":7744,"name":"1067-blog2.jpg","alternativeText":null,"caption":null,"width":728,"height":364,"formats":null,"hash":"1067_blog2_5c635de839","ext":".jpg","mime":"image/jpeg","size":76.37,"url":"/thought-leadership/institute-business-value/uploads/en/1067_blog2_5c635de839","previewUrl":null,"provider":"ibv-cos","provider_metadata":null,"createdAt":"2022-07-12T21:26:48.601Z","updatedAt":"2022-07-12T21:26:48.666Z"},"thumbnail":{"id":7745,"name":"1067-blog2.jpg","alternativeText":null,"caption":null,"width":728,"height":364,"formats":null,"hash":"1067_blog2_c6a271cae6","ext":".jpg","mime":"image/jpeg","size":76.37,"url":"/thought-leadership/institute-business-value/uploads/en/1067_blog2_c6a271cae6","previewUrl":null,"provider":"ibv-cos","provider_metadata":null,"createdAt":"2022-07-12T21:27:29.069Z","updatedAt":"2022-07-12T21:27:29.145Z"},"mlinks":null,"assets":[]},{"id":96,"slug":"climate-change-insurers-ai-cloud","title":"Climate change is a major challenge for insurers, but AI and cloud can help","subtitle":"Insurers with a focus on sustainable business operations powered by modern technologies can underwrite and manage climate change risks better.","date":"2022-06-20T12:00:00.000Z","blurb":"Insurers can underwrite and better manage climate change risks with a focus on new, sustainable business models powered by modern technologies.","content":"\u003cp\u003eWith the rise in global warming-induced severe weather events, insurance regulators and institutions have placed a greater emphasis on sustainability. Sustainability drives the need for insurers to mitigate risk in underwriting and help ensure business continuity in case of catastrophic events. And while climate change impacts every industry, it has some of the greatest implications for insurance institutions due to their broader risk exposure. In fact, in 2021 alone, natural disasters \u003ca href=\"https://www.reuters.com/markets/commodities/natural-disasters-cost-insurers-120-billion-2021-munich-re-says-2022-01-10/\" target=\"_blank\"\u003ecost insurers\u003c/a\u003e $120 billion, \u003ca href=\"https://www.businessinsider.com/cost-of-climate-change-natural-disasters-homeowners-billions-insurance-fema-2022-1\" target=\"_blank\"\u003eup from\u003c/a\u003e $100 billion in 2020 and $52 billion in 2019.\u0026nbsp;\u003c/p\u003e\n\n\u003cp\u003eA recent \u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/c-suite-study/ceo\" target=\"_blank\"\u003eIBM Institute for Business Value (IBV) study\u003c/a\u003e surveyed 3,000 CEOs, including 150 insurance leaders in 40 countries, to better understand their priorities relating to sustainability. The survey found that 44% of insurance CEOs identify increasing sustainability as a top priority over the next 2-3 years. Believing that sustainability is critical in business and financial risk assessments, insurance CEOs are engaging their Chief Financial Officers on sustainability at a higher rate, 55%, compared to their peers at 47% across industries. And 83% of insurance leaders also expect sustainability investments to produce improved business results within the next 5 years.\u003c/p\u003e\n\n\u003cp\u003eAs underwriters of risk and major institutional investors, insurance institutions are considering sustainability in their business operations in multiple ways:\u003c/p\u003e\n\n\u003col\u003e\n\t\u003cli\u003eInsurers are looking at their investment portfolio, beginning to divest from fossil fuels, and increasing their investment in sustainable business models. This investment in sustainability encourages progress in other sectors. \u0026nbsp;\u003c/li\u003e\n\t\u003cli\u003eAs severe weather becomes more common, the job of underwriters becomes more complex. To deal with this, insurance institutions are creating stronger underwriting models that gather more data from more sources to predict risk more accurately and to identify hidden risk concentration.\u003c/li\u003e\n\t\u003cli\u003eInsurers are considering how to more actively manage risk, both through policy advocacy and pricing, and by partnering with the insured to build more resilient behavior.\u003c/li\u003e\n\t\u003cli\u003eRegulators are demanding reporting on climate and sustainability exposure more and more, requiring more active data gathering and management by insurers.\u003c/li\u003e\n\u003c/ol\u003e\n\n\u003cp\u003e\u003cstrong\u003eAdvanced technology and green software are at the helm of driving sustainability forward for insurers \u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eWhat is the top barrier to achieving sustainability business objectives? Insurance CEOs say it\u0026rsquo;s an unclear ROI and economic benefits of sustainability initiatives. That\u0026rsquo;s where IT and exponential technology can help, including data, artificial intelligence, and cloud.\u003c/p\u003e\n\n\u003cp\u003eArtificial intelligence captures, aggregates, and analyzes data that can be used to create personalized solutions to manage climate-related risks in a repeatable, provable way. For example, The Weather Company,\u0026reg; owned by IBM, is using AI capabilities to develop leading-edge technologies that measure and analyze an array of geospatial, water, and climate data. The insights from this data help insurers understand how natural ecosystems are impacted and take preventive actions. AI can also tailor risk alerts to elicit action from insureds to materially reduce their risks.\u003c/p\u003e\n\n\u003cp\u003eCloud computing technology offers another way for insurers to contribute positively to sustainability. Data centers \u003ca href=\"https://www.computerworld.com/article/3431148/why-data-centres-are-the-new-frontier-in-the-fight-against-climate-change.html\" target=\"_blank\"\u003eare expected\u003c/a\u003e to make up 3.2% of global emissions by 2025, and insurance institutions still own and run many of them. IBM has an end-to-end approach to measure, analyze, and optimize the carbon footprint for sustainable hybrid cloud environments. In the UK, for example, IBM Cloud\u0026reg; already uses a network of data centers that are powered 100% by renewable electricity.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eInsurers can tackle the difficulties of climate change with new business models \u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eClimate change presents an opportunity for the insurance industry. As severe weather wreaks havoc on our world and challenges insurance underwriting, these institutions can leverage hybrid cloud and AI to build more sustainable business models. This approach can ultimately support business continuity and help insurers build new products to meet the needs of our changing world.\u003c/p\u003e\n","approved":true,"image_alt":"Climate change is a major challenge for insurers, but AI and cloud can help","thumbnail_alt":"Climate change is a major challenge for insurers, but AI and cloud can help","hideRelatedBlogs":false,"createdAt":"2022-06-13T21:27:15.095Z","updatedAt":"2022-06-20T23:05:54.176Z","author":[{"id":235,"name":"Mark McLaughlin","email":"mmclau@us.ibm.com","twitter":"https://www.twitter.com/@McLMark","facebook":"","linkedin":"https://www.linkedin.com/in/mclmark/","featured":false,"priority":0,"title":"Director, Financial Services Industry, Insurance, IBM","image_alt":"Mark McLaughlin","place_of_employment":"","bio":"","createdAt":"2018-12-01T12:32:53.829Z","updatedAt":"2024-10-02T13:19:30.099Z","image":{"id":1977,"name":"_U5IhcvNacIQ9kdcmvwzfJU6","alternativeText":null,"caption":null,"width":null,"height":null,"formats":null,"hash":"b80a04709b444c16b5bda9f3ae6ff889","ext":".jpg","mime":"image/jpeg","size":51.46,"url":"/thought-leadership/institute-business-value/uploads/en/b80a04709b444c16b5bda9f3ae6ff889.jpg","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2020-05-07T01:01:28.108Z","updatedAt":"2020-05-07T01:01:28.120Z"}}],"image":{"id":7692,"name":"1069-blog.jpg","alternativeText":null,"caption":null,"width":728,"height":364,"formats":null,"hash":"1069_blog_77d1e505f9","ext":".jpg","mime":"image/jpeg","size":54.46,"url":"/thought-leadership/institute-business-value/uploads/en/1069_blog_77d1e505f9","previewUrl":null,"provider":"ibv-cos","provider_metadata":null,"createdAt":"2022-06-13T22:26:52.314Z","updatedAt":"2022-06-13T22:26:52.355Z"},"thumbnail":{"id":7691,"name":"1069-blog.jpg","alternativeText":null,"caption":null,"width":728,"height":364,"formats":null,"hash":"1069_blog_4e772d83f5","ext":".jpg","mime":"image/jpeg","size":54.46,"url":"/thought-leadership/institute-business-value/uploads/en/1069_blog_4e772d83f5","previewUrl":null,"provider":"ibv-cos","provider_metadata":null,"createdAt":"2022-06-13T22:26:45.622Z","updatedAt":"2022-06-13T22:26:45.666Z"},"mlinks":null,"assets":[]},{"id":74,"slug":"pathways-sustainability-banking-ceos","title":"Pathways in transformative sustainability: banking CEOs own their impact","subtitle":"Financial institutions hold the keys to unlocking sustainability within their own operations and across industries ","date":"2022-05-18T12:00:00.000Z","blurb":"Most CEOs of banking and financial market institutions say that Board members and investors are turning up the pressure to make business impact towards sustainability goals. ","content":"\u003cp\u003e\u003cspan dir=\"ltr\"\u003eIn the past decade, companies, their stakeholders, and society at large have focused more attention on \u003c/span\u003e\u003cspan dir=\"ltr\"\u003ebusiness\u0026rsquo;s role in sustainability as the effects of climate change have become more apparent. \u003c/span\u003eBut over the past year, something changed for CEOs worldwide. Sustainability talk turned into action as continued disruption\u0026ndash;including upheaval from the pandemic\u0026ndash;thrust an even greater spotlight on climate change with society calling for a transformation of economic activities and business priorities.\u003c/p\u003e\n\n\u003cp\u003e\u003cspan dir=\"ltr\"\u003eTransformational sustainability starts with a mindset that makes sustainability an integral part of an \u003c/span\u003e\u003cspan dir=\"ltr\"\u003eorganization\u0026rsquo;s values and business strategy, fundamentally reshaping business models as well as \u003c/span\u003e\u003cspan dir=\"ltr\"\u003edelivering on community needs.\u003c/span\u003e\u0026nbsp;One way banks and financial institutions can drive this transformation is by embracing digital technologies strategically and operationally to drive sustainability outcomes while expanding economic opportunities.\u003c/p\u003e\n\n\u003cp\u003eIn this context, unlike most other industries, banking and financial market institutions (BFM) have two key ways they can execute on the world\u0026rsquo;s agenda for transformational sustainability:\u003c/p\u003e\n\n\u003col\u003e\n\t\u003cli\u003eLeverage exponential technologies, like data, AI and cloud, to measure and embed sustainability into their IT architectures and applications - looking to opportunities beyond simply responding to regulatory demands to reduce the environmental footprint of their operations (consistent with other industries).\u003c/li\u003e\n\t\u003cli\u003eAid retail and corporate clients engaged in sustainability and help address return on investment concerns by better allocating financing and investments supporting the world\u0026rsquo;s transition to a \u0026ldquo;green economy\u0026rdquo; and other sustainable outcomes. (BFM-specific)\u003c/li\u003e\n\u003c/ol\u003e\n\n\u003cp\u003e\u003cimg alt=\"\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/r_Av5_IT_Vt_RNVGE_8_Ngdmwp1_Vjr_04664ef55d\" style=\"height:317px; width:700px\" /\u003e\u003c/p\u003e\n\n\u003cp\u003eTherefore, sustainability is both an operational challenge and a business opportunity. In \u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/c-suite-study/ceo\" target=\"_blank\"\u003ea recent IBM Institute for Business Value study\u003c/a\u003e\u0026nbsp;that polled over 3,000 CEOs, including nearly 300 banking and financial market executives in 40 countries, we found that 80% of BFM CEOs expect sustainability investments to improve business results in the next 5 years. BFM leaders also recognize that executing promptly on transformational sustainability is among the top 3 operational challenges, preceded only by heightened cyber security risks and demanding regulations. CEOs feel the pressure from their Board members (72%) and community of investors (57%) who are calling for radical transparency about their sustainability programs. To respond, BFM CEOs are engaging a wide swath of their leadership teams and departments to make the right investments in sustainability initiatives. BFM CEOs have taken a broader approach than CEOs in other industries starting with engagement of their Chief Financial Officer (69%) and Chief Operations Officer (45%).\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eAccelerating sustainability is about mindset shift in the usage of exponential technologies\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eThe leadership teams of banks and financial services institutions are engaged to reduce the environmental footprint, measuring their own sustainability while investing in exponential technology like data, artificial intelligence, and hybrid cloud.\u003c/p\u003e\n\n\u003cp\u003eWe know that a company\u0026rsquo;s transition to hybrid cloud is an essential business approach, but it is also an important factor in sustainability. Transforming the operating model - how the workforce collaborates and operates with workflows on hybrid cloud - allows for a more energy-efficient usage of data centers and computing environments. According to the IDC, cloud computing could \u003ca href=\"https://www.idc.com/getdoc.jsp?containerId=prUS47513321\" target=\"_blank\"\u003eeliminate a billion metric tons\u003c/a\u003e of CO2 emissions over the next four years.\u003c/p\u003e\n\n\u003cp\u003eThe transformation of banks\u0026rsquo; data centers is an opportunity to further advance sustainability by increasing the adoption of renewable energy sources. In the UK, for example, IBM Cloud already uses a network of data centers that are powered 100% by renewable electricity. In Spain, BBVA \u003ca href=\"https://www.bbva.com/en/sustainability/bbva-reduces-co-emissions-and-energy-consumption-of-its-data-center-processors-by-50-with-ibm-technology/\" target=\"_blank\"\u003eupgraded their data centers\u003c/a\u003e leading to the reduction of the firm\u0026rsquo;s energy use by 50% and, in a period of five years, expect to cut BBVA\u0026rsquo;s carbon gasses in half.\u003c/p\u003e\n\n\u003cp\u003eAs financial institutions adopt a hybrid cloud approach, a massive amount of data now exists, which can help financial firms and companies in all industries understand their environmental footprint. However, that data largely remains scattered across different databases, systems, and locations, making it hard for all stakeholders to access and understand. AI-powered software can help businesses take advantage of sustainability insights across their operations. This can make an impact in areas like:\u003c/p\u003e\n\n\u003cul\u003e\n\t\u003cli\u003eextending the life of physical assets,\u003c/li\u003e\n\t\u003cli\u003ecreating more efficient and resilient supply chains,\u003c/li\u003e\n\t\u003cli\u003eunderstanding the impact of acute climate events and chronic physical climate risk, and\u003c/li\u003e\n\t\u003cli\u003eanalyzing and reporting on ESG data and initiatives.\u003c/li\u003e\n\u003c/ul\u003e\n\n\u003cp\u003eThis is key as good governance of data, AI and IT leads to better sustainability.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eSustainability data and insights underpin relevant business opportunities for financial services ecosystems\u003c/strong\u003e\u003c/p\u003e\n\n\u003cblockquote\u003e\n\u003cp\u003eSustainability has become an opportunity to differentiate and expand financial services businesses.\u003c/p\u003e\n\u003c/blockquote\u003e\n\n\u003cp\u003eBy the end of 2021, 265 banks representing more than 45% of global banking assets had signed up to the UN\u0026rsquo;s \u0026ldquo;Principles for Responsible Banking,\u0026rdquo; leading to the development of products and solutions to meet these sustainability commitments. This commitment has included a greater focus by financial institutions on tracking financed emissions, forcing the companies they invest in, in all industries to examine and reduce their carbon footprint. Sustainability, therefore, has become an opportunity to differentiate and expand financial services businesses.\u003c/p\u003e\n\n\u003cp\u003eOur new CEO study reveals that executives in all industries feel pressure about executing on sustainability, amidst business challenges and uncertainty. 59% of the world\u0026rsquo;s CEOs indicate that unclear return on investments (ROI) and economic benefits are the biggest challenges in achieving their sustainability objectives, and 44% mention lack of insights from data.\u0026nbsp;Banks and financial institutions closely monitor and rely on other industries\u0026rsquo; transparency regarding their sustainability initiatives. In this regard, they are instrumental in mitigating the sustainability concerns of all other industries, granting short- and medium-term value in terms of financial levers.\u003c/p\u003e\n\n\u003cp\u003eBanks provide sustainable financing and prioritized access to capital markets through preferred inclusion in sustainable investment products for institutional and retail clients. Banks and fintechs are also collaborating to orchestrate sustainability-oriented data platforms that allow their ecosystem of clients and partners to extract value from participating in a standardized and transparent exchange of information.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eAn action guide to accelerate sustainability as a business opportunity\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eIn \u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/report/2022-banking-financial-markets-outlook\" target=\"_blank\"\u003ea 2022 global outlook report\u003c/a\u003e, IBM draws from 12 months of research with leaders in the financial services industry and found a top imperative for banks today is in finding viable sustainability models that balance business value and stakeholder expectations. \u0026nbsp;The industry is now developing and deploying initiatives to meet these commitments, while helping ensure targeted investments deliver on overall business and financial objectives.\u003c/p\u003e\n\n\u003cp\u003eThese initiatives are emerging across 4 broad areas:\u003c/p\u003e\n\n\u003cul\u003e\n\t\u003cli\u003eIncorporating climate and sustainability data and insight to help manage risks,\u003c/li\u003e\n\t\u003cli\u003eaddressing the sustainability of banking operations\u0026mdash;the financial industry\u0026rsquo;s journey to net-zero,\u003c/li\u003e\n\t\u003cli\u003edeveloping new products and services to support the sustainability agenda, and\u003c/li\u003e\n\t\u003cli\u003ereporting on sustainability performance.\u003c/li\u003e\n\u003c/ul\u003e\n\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\n\n\u003cp\u003e\u003csmall\u003e\u003cem\u003eShanker Ramamurthy is the Managing Partner of IBM\u0026rsquo;s Global Banking \u0026amp; Financial Markets consulting practice, President of the IBM Industry Academy and a board member of the Banking Industry Architecture Network.\u003c/em\u003e\u003c/small\u003e\u003c/p\u003e\n\n\u003cp\u003e\u003csmall\u003e\u003cem\u003eBrigid McDermott leads IBM\u0026rsquo;s industry technology focus as General Manager, Global Financial Services at IBM.\u003c/em\u003e\u003c/small\u003e\u003c/p\u003e\n","approved":true,"image_alt":"","thumbnail_alt":"Pathways in transformative sustainability: banking CEOs own their impact","hideRelatedBlogs":false,"createdAt":"2022-05-17T22:01:47.331Z","updatedAt":"2022-05-19T21:12:06.774Z","author":[{"id":123,"name":"Shanker Ramamurthy","email":"sramamur@us.ibm.com","twitter":"","facebook":"","linkedin":"https://www.linkedin.com/in/shankerramamurthy","featured":false,"priority":0,"title":"Global Managing Partner, Banking and Financial Markets, IBM Consulting","image_alt":"Shanker Ramamurthy","place_of_employment":"","bio":"","createdAt":"2018-12-13T05:34:08.993Z","updatedAt":"2024-08-27T13:16:59.821Z","image":{"id":7021,"name":"Screen Shot 2022-05-17 at 8.50.18 AM.png","alternativeText":null,"caption":null,"width":322,"height":316,"formats":null,"hash":"Screen_Shot_2022_05_17_at_8_50_18_AM_cd8a7927a4","ext":".png","mime":"image/png","size":147.45,"url":"/thought-leadership/institute-business-value/uploads/en/Screen_Shot_2022_05_17_at_8_50_18_AM_cd8a7927a4","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-05-17T23:37:59.048Z","updatedAt":"2022-05-17T23:37:59.096Z"}},{"id":185,"name":"Brigid McDermott","email":"bmcderm@us.ibm.com","twitter":"","facebook":"","linkedin":"https://www.linkedin.com/in/brigid-mcdermott-0a394a1","featured":false,"priority":0,"title":"General Manager, IBM Financial Services Industry Global Sales (WW)","image_alt":"Brigid McDermott","place_of_employment":"","bio":"","createdAt":"2018-12-07T01:37:31.282Z","updatedAt":"2022-05-19T21:12:06.751Z","image":{"id":7339,"name":"Screen Shot 2022-05-17 at 8.50.46 AM.png","alternativeText":null,"caption":null,"width":310,"height":312,"formats":null,"hash":"Screen_Shot_2022_05_17_at_8_50_46_AM_0a4518106e","ext":".png","mime":"image/png","size":178.09,"url":"/thought-leadership/institute-business-value/uploads/en/Screen_Shot_2022_05_17_at_8_50_46_AM_0a4518106e","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-05-17T23:52:59.271Z","updatedAt":"2022-05-17T23:52:59.325Z"}}],"image":{"id":7189,"name":"newthumbnail-template-728x364 copy.webp","alternativeText":null,"caption":null,"width":728,"height":364,"formats":null,"hash":"newthumbnail_template_728x364_copy_17a140b4de","ext":".webp","mime":"image/webp","size":37.18,"url":"/thought-leadership/institute-business-value/uploads/en/newthumbnail_template_728x364_copy_17a140b4de","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-05-19T20:44:58.270Z","updatedAt":"2022-05-19T20:46:28.181Z"},"thumbnail":{"id":7159,"name":"1061-alt2.jpg","alternativeText":null,"caption":null,"width":728,"height":364,"formats":null,"hash":"1061_alt2_fa8294a10f","ext":".jpg","mime":"image/jpeg","size":49.96,"url":"/thought-leadership/institute-business-value/uploads/en/1061_alt2_fa8294a10f","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-05-19T20:44:42.095Z","updatedAt":"2022-05-19T20:46:28.181Z"},"mlinks":null,"assets":[]},{"id":94,"slug":"women-leadership-2022-blog","title":"It's time to let women lead","subtitle":"","date":"2022-02-08T13:00:00.000Z","blurb":"When a woman sits in the corner office, that organization’s leadership pipeline is filled with 23% more women than other organizations.","content":"\u003cp\u003eWomen hold up half the sky \u0026ndash; a phrase first uttered by Mao Zedong in 1949, popularized in \u003ca href=\"https://en.wikipedia.org/wiki/Half_the_Sky\" target=\"_blank\"\u003ea 2009 book\u003c/a\u003e, and well known to any parents who, like me, adopted girls born in China \u0026ndash; is accurate, if not true.\u003c/p\u003e\n\n\u003cp\u003e\u003ca href=\"https://statisticstimes.com/demographics/world-sex-ratio.php\" target=\"_blank\"\u003e49.6% of the people in the world are women\u003c/a\u003e, but that\u0026rsquo;s where the equality ends. \u003ca href=\"https://www.payscale.com/research-and-insights/gender-pay-gap/\" target=\"_blank\"\u003eWomen still make less than men\u003c/a\u003e \u0026ndash; 82 cents on the dollar, and that ratio gets worse as they climb to executive ranks. Women of color, mothers, older women, and those who have been unemployed are penalized further. Last year, the World Economic Forum estimated it would take more than \u003ca href=\"https://www.weforum.org/reports/global-gender-gap-report-2021\" target=\"_blank\"\u003e135 years to close the gender pay\u003c/a\u003e gap, a generation more than was expected before COVID.\u003c/p\u003e\n\n\u003cp\u003eMakes women\u0026#39;s half of the sky seem a lot heavier, doesn\u0026rsquo;t it?\u003c/p\u003e\n\n\u003cp\u003eEven so, there\u0026rsquo;s some good news coming out of the pandemic, based on the \u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/report/women-leadership-2022\" target=\"_blank\"\u003elatest research from the IBM Institute for Business Value\u003c/a\u003e. The pipeline of women poised to take on leadership roles in the U.S. is expanding \u0026ndash; up roughly 10 points over 2021 at the professional and manager levels. As you might expect, there\u0026rsquo;s news that\u0026rsquo;s not so good as well. When we look at the most senior levels in an organization, the pipeline is still shrinking \u0026ndash; down 1 point over last year in the C-suite and among boards of directors.\u003c/p\u003e\n\n\u003cp\u003eHowever, when a woman sits in the corner office, that organization\u0026rsquo;s leadership\u003cem\u003e\u003cstrong\u003e \u003c/strong\u003e\u003c/em\u003epipeline is filled with 23% more women than other organizations, perhaps because 72% of women CEOs say they make advancement of women a top business priority (versus just 16% of men CEOs). So here\u0026rsquo;s an idea: let women lead. \u0026nbsp;\u0026nbsp;\u003c/p\u003e\n\n\u003cp\u003e\u003cimg alt=\"Women leaders prioritize the advancement of women\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/y_Xv_E_Vs_N4h_Zj8_L_Xo0_V_2_Kx4_PR_6427e5bcf9\" style=\"height:769px; width:1386px\" /\u003e\u003c/p\u003e\n\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\n\n\u003cp\u003eIf you follow \u003ca href=\"https://chief.com/\" target=\"_blank\"\u003eChief\u003c/a\u003e, the women\u0026rsquo;s power networking group, they will tell you March is more than Women\u0026rsquo;s History Month, it\u0026rsquo;s Women\u0026rsquo;s Future Month. \u003ca href=\"https://fortune.com/2022/03/01/it-is-past-time-for-women-to-lead/\" target=\"_blank\"\u003eFounder Lindsay Kaplan puts it bluntly\u003c/a\u003e: \u0026ldquo;There are 5 million executive women in the United States \u003cem\u003eright now\u003c/em\u003e\u0026mdash;women who are ready to take the helm of companies, to serve on boards, to run for office. If we want to do it, we can change the world today. Promote them. Open the doors. Give them a seat at the table.\u0026rdquo;\u003c/p\u003e\n\n\u003cp\u003eAnd that\u0026rsquo;s smart business. \u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/report/women-leadership-2021\" target=\"_blank\"\u003eOur study\u003c/a\u003e found that organizations can achieve a 61% higher rate of revenue growth when they make active changes to reach gender equity, including making the advancement of women a top strategic priority.\u003c/p\u003e\n\n\u003cp\u003eIf we have any hope that our granddaughters\u0026rsquo; granddaughters will be holding up a sky under which they have equal pay and equal opportunity, we need to start letting women lead today. Read our research to learn about \u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/report/women-leadership-2021\" target=\"_blank\"\u003e5 steps organizations can take\u003c/a\u003e to build gender equity in leadership.\u003c/p\u003e\n","approved":true,"image_alt":"It's time to let women lead","thumbnail_alt":"It's time to let women lead","hideRelatedBlogs":false,"createdAt":"2022-03-26T00:17:37.425Z","updatedAt":"2022-05-06T00:04:54.785Z","author":[{"id":524,"name":"Cindy Anderson","email":"cindy.w.anderson@ibm.com","twitter":"","facebook":"","linkedin":"https://www.linkedin.com/in/clwanderson480/","featured":false,"priority":0,"title":"Global Executive for Engagement and Eminence, IBM Institute for Business Value","image_alt":"","place_of_employment":"","bio":"","createdAt":"2020-05-13T22:26:31.994Z","updatedAt":"2022-09-07T21:29:34.168Z","image":null}],"image":{"id":7076,"name":"womens leadership__landing page banner copy.webp","alternativeText":null,"caption":null,"width":2000,"height":500,"formats":null,"hash":"womens_leadership_landing_page_banner_copy_c2384fba05","ext":".webp","mime":"image/webp","size":37.33,"url":"/thought-leadership/institute-business-value/uploads/en/womens_leadership_landing_page_banner_copy_c2384fba05","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-28T23:02:45.751Z","updatedAt":"2022-03-28T23:02:45.811Z"},"thumbnail":{"id":7118,"name":"womens leadership__Report thumbnail (728-358)(1).jpg","alternativeText":null,"caption":null,"width":729,"height":359,"formats":null,"hash":"womens_leadership_Report_thumbnail_728_358_1_8cdfc65b33","ext":".jpg","mime":"image/jpeg","size":32.63,"url":"/thought-leadership/institute-business-value/uploads/en/womens_leadership_Report_thumbnail_728_358_1_8cdfc65b33","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-26T00:33:03.100Z","updatedAt":"2022-03-26T00:33:03.152Z"},"mlinks":null,"assets":[]},{"id":82,"slug":"covid-19-phase-process-innovation","title":"COVID-19 Phase III—Process innovation and agility to emerge stronger and more resilient","subtitle":"","date":"2021-11-16T13:00:00.000Z","blurb":"Modern technologies helped governments improve processes and agility to meet unprecedented, pandemic-generated demands and can be used to propel continued progress.\n","content":"\u003cp\u003eOver the past several months, we have shared a series of articles\u0026mdash;from building a robust \u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/blog/covid-19-foundation-stronger-resilient\" target=\"_blank\"\u003eanalytic foundation\u003c/a\u003e for increasing situational awareness to transforming \u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/blog/covid-19-digital-citizen-services\" target=\"_blank\"\u003edigital citizen services\u003c/a\u003e\u0026mdash;focused on how governments can emerge stronger and more resilient from the COVID-19 pandemic. Here we focus on process innovation and agility.\u003c/p\u003e\n\n\u003cp\u003eThe pandemic has forced nearly every organization to change the way that it works. In some cases, organizations have had to completely reinvent their operating models to continue delivering mission-critical services. Some government agencies faced massive workload increases and had to address huge increases in demand for services. They faced this challenge even as their own workforces were directed to leave government facilities and work remotely.\u003c/p\u003e\n\n\u003cp\u003eInitially, things went poorly and many government systems designed to provide critical services \u003ca href=\"https://reason.org/commentary/state-unemployment-websites-crash-as-covid-19-shines-light-on-government-technology-failures/\" target=\"_blank\"\u003ecrashed\u003c/a\u003e. After this stuttering start, many leaders used digital technology to make \u003ca href=\"https://nextcity.org/urbanist-news/entry/from-the-covid-19-crisis-to-rebuilding-our-public-technology-infrastructure\" target=\"_blank\"\u003esignificant strides\u003c/a\u003e in resolving delivery issues. Some became agile. They \u003ca href=\"https://www.aptiveresources.com/case-study/veteran-intake-conversion-and-communication-services-viccs-mail-automation-services\" target=\"_blank\"\u003ecut cycle times\u003c/a\u003e, reduced costs, and improved services. They deployed new capabilities in weeks, not months or years.\u003c/p\u003e\n\n\u003cp\u003eDigital engagement across all industries jumped ahead by years during COVID-19, and government was no exception. \u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/report/covid-19-future-business\" target=\"_blank\"\u003eResearch\u003c/a\u003e from the IBM Institute for Business Value found that the COVID-19 pandemic accelerated digital transformation at 59% of surveyed organizations. Similarly, over half of government executives surveyed said digital transformation was a priority.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eFocusing on agility and redesigning workflows\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eEmbracing the new urgency to harness technology, leading governments scaled to meet demand, delivered entirely new services, and supported new ways of working.\u003c/p\u003e\n\n\u003cp\u003eAt \u003ca href=\"https://www.ibm.com/blogs/watson-health/social-security-scotland/\" target=\"_blank\"\u003eSocial Security Scotland\u003c/a\u003e, a social program management platform underlies user-centered, agile transformation. More than 2,400 citizens, civil servants, and non-profits collaborated to build a single case management platform for social benefits. Over the course of 2 years, 7 social programs were deployed on the platform designed to ultimately deliver benefits to about 1.8 million people. The cloud-based platform integrates a variety of technologies to deliver a virtually seamless citizen experience. It scales up and down to meet demand and eliminates the ongoing expense of purchasing, housing, and maintaining an on-premises infrastructure for these programs.\u003c/p\u003e\n\n\u003cp\u003eThe \u003ca href=\"https://www.aptiveresources.com/case-study/veteran-intake-conversion-and-communication-services-viccs-mail-automation-services\" target=\"_blank\"\u003eUS Department of Veterans Affairs\u003c/a\u003e applied process automation and intelligent workflows to help improve citizen service and cut costs associated with manual, paper-driven processes. The Department uses AI and process automation to digitize incoming benefits packages and correspondence, cutting processing times from \u003ca href=\"https://www.aptiveresources.com/case-study/veteran-intake-conversion-and-communication-services-viccs-mail-automation-services\" target=\"_blank\"\u003e5 to 60 days\u003c/a\u003e to hours. Within just 8 months, \u003ca href=\"https://www.aptiveresources.com/case-study/veteran-intake-conversion-and-communication-services-viccs-mail-automation-services\" target=\"_blank\"\u003e200\u003c/a\u003e\u0026nbsp; people handling piles of paper were retrained for new positions. While modern technology played a huge role, these changes were underpinned by a fundamental culture shift that embraced innovation. Innovation was a must. There was no other way.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eTapping into modern technologies on the transformation journey\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eLooking ahead, government transformation and continued investment in modernization initiatives will remain imperatives. \u003ca href=\"https://www.idc.com/getdoc.jsp?containerId=US47907021\" target=\"_blank\"\u003eIDC reports\u003c/a\u003e that, for both public and private sector organizations, customer satisfaction, operational efficiency, and innovation are the three top focus areas for the future. By building on lessons learned from the COVID-19 response, governments can continue to cost-effectively improve service delivery.\u003c/p\u003e\n\n\u003cp\u003eDuring the height of the pandemic, the most successful governments identified critical priorities and rolled up their sleeves to focus on core issues. They commissioned diverse teams of people from across their organizations and communities to define issues and opportunities for improvement. They used \u003ca href=\"https://www.ibm.com/garage?utm_content=SRCWW\u0026amp;p1=Search\u0026amp;p4=43700055082249585\u0026amp;p5=b\u0026amp;gclid=CjwKCAjw7--KBhAMEiwAxfpkWIp23ImkpKw_AyiN6RWN61XT3PW0J_u81-liLeCcpbyJTPSTdSS5uRoCn5oQAvD_BwE\u0026amp;gclsrc=aw.ds\" target=\"_blank\"\u003eDesign Thinking\u003c/a\u003e to focus on end users and develop solutions that people would adopt.\u003c/p\u003e\n\n\u003cp\u003eMany organizations also discovered that \u003ca href=\"https://searchsoftwarequality.techtarget.com/feature/Low-code-app-platforms-prove-essential-in-times-of-crisis\" target=\"_blank\"\u003elow-code platforms\u003c/a\u003e can provide the agility to quickly deploy new capabilities and minimum viable products (MVPs). These platforms also can enable fast iteration and rapid deployment of new functionality beyond MVPs. They are transforming citizen engagement, internal processes, and transactions across the ecosystem.\u003c/p\u003e\n\n\u003cp\u003eCloud computing has also proven to cost-effectively support the pace required for progress. Cloud servers and resources can be added in minutes\u0026mdash;far faster than deploying new hardware on premises. That speed and associated scalability can deliver cost efficiencies. Users pay for what they need when they need it and can avoid purchasing, maintaining, and managing equipment in a data center.\u003c/p\u003e\n\n\u003cp\u003eBut cloud is only part of the answer. Governments are complex enterprises and successfully run technologies that are decades old. They maintain large amounts of their own technology while also buying services and solutions that cross many different clouds. This has generated increasingly complex and diverse technical environments. Governments need to cost-effectively manage that infrastructure without creating new ranks of specialized IT operations teams. It can be done, using \u003ca href=\"https://www.kyndryl.com/services/cloud/multicloud-management\" target=\"_blank\"\u003enew technologies\u003c/a\u003e that make it possible to run workloads across multiple clouds and government data centers from \u0026ldquo;a true single pane of glass.\u0026rdquo;\u0026nbsp;\u0026nbsp;\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eMaintaining momentum and moving forward with purpose\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eThe pandemic has provided a massive stress test for business and operating models, new technologies, and agile deployment methods. In confronting this generational challenge, leaders around the world have found ways to improve citizen services, streamline processes, and even reduce back-office costs. They have demonstrated the power of technology to boost government performance and meet unprecedented demands for services and benefits. They have crafted road maps of success and foundations for sustainable improvement. Governments must persist and build on this momentum to continue transforming operations to enrich citizen services.\u003c/p\u003e\n\n\u003cp\u003eWhile there have been many positive lessons, some governments have experienced unsettling new challenges, such as expanding complexity, security gaps, and a sense of loss of control. All of these can be addressed. We encourage you to contact us (\u003ca href=\"https://www.linkedin.com/in/paul-dommel\" target=\"_blank\"\u003ePaul Dommel\u003c/a\u003e and\u0026nbsp; \u003ca href=\"https://www.linkedin.com/in/mikestone1/\" target=\"_blank\"\u003eMike Stone\u003c/a\u003e) directly to discuss and learn more.\u003c/p\u003e\n","approved":true,"image_alt":"Process innovation and agility to emerge stronger and more resilient","thumbnail_alt":"Process innovation and agility to emerge stronger and more resilient","hideRelatedBlogs":false,"createdAt":"2021-11-11T02:28:22.923Z","updatedAt":"2022-03-06T10:21:03.853Z","author":[{"id":548,"name":"Paul A. Dommel","email":"pdommel@us.ibm.com","twitter":"","facebook":"","linkedin":"https://www.linkedin.com/in/paul-dommel-6246441","featured":false,"priority":0,"title":"Global Director for Public Service, IBM","image_alt":"Paul A. Dommel","place_of_employment":"","bio":"","createdAt":"2019-10-25T20:18:30.055Z","updatedAt":"2021-11-11T21:14:26.866Z","image":{"id":3458,"name":"drommel.jpg","alternativeText":null,"caption":null,"width":200,"height":200,"formats":null,"hash":"drommel_2bc25afe50","ext":".jpg","mime":"image/jpeg","size":5.91,"url":"/thought-leadership/institute-business-value/uploads/en/drommel_2bc25afe50","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2021-10-23T00:21:29.386Z","updatedAt":"2021-10-23T00:21:29.491Z"}},{"id":814,"name":"Mike Stone","email":"mike.stone@ibm.com","twitter":"","facebook":"","linkedin":"https://www.linkedin.com/in/mikestone1/","featured":false,"priority":0,"title":"Global Managing Director, Public Sector, Healthcare and Life Sciences, IBM","image_alt":"Mike Stone","place_of_employment":"","bio":"","createdAt":"2021-08-14T00:54:19.354Z","updatedAt":"2023-07-06T10:40:36.782Z","image":{"id":3454,"name":"1516231181036.jpg","alternativeText":null,"caption":null,"width":450,"height":450,"formats":null,"hash":"1516231181036_634fc3d0c0","ext":".jpg","mime":"image/jpeg","size":27.83,"url":"/thought-leadership/institute-business-value/uploads/en/1516231181036_634fc3d0c0","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2021-09-10T02:53:58.196Z","updatedAt":"2021-09-10T02:53:58.442Z"}}],"image":{"id":6914,"name":"BLOG_1007_gov_d873330c0f.webp","alternativeText":null,"caption":null,"width":2000,"height":500,"formats":null,"hash":"BLOG_1007_gov_d873330c0f_157c5237cf","ext":".webp","mime":"image/webp","size":56.78,"url":"/thought-leadership/institute-business-value/uploads/en/BLOG_1007_gov_d873330c0f_157c5237cf","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:21:03.785Z","updatedAt":"2022-03-06T10:21:03.844Z"},"thumbnail":{"id":6254,"name":"BLOG_1007_gov_tn_6756d62d22.webp","alternativeText":null,"caption":null,"width":729,"height":359,"formats":null,"hash":"BLOG_1007_gov_tn_6756d62d22_2dffc86b7e","ext":".webp","mime":"image/webp","size":18.46,"url":"/thought-leadership/institute-business-value/uploads/en/BLOG_1007_gov_tn_6756d62d22_2dffc86b7e","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:20:54.127Z","updatedAt":"2022-03-06T10:20:54.220Z"},"mlinks":null,"assets":[]},{"id":87,"slug":"healthcare-beyond-pandemic","title":"Healthcare beyond the pandemic: Innovating to advance health equity","subtitle":"","date":"2021-11-11T13:00:00.000Z","blurb":"Despite many valiant efforts, health equity remains elusive. But data and technology can help.\n","content":"\u003cp\u003eHealth is a shared value. As we map out a more equitable future for \u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/blog/healthcare-mapping-sustainable-future\" target=\"_blank\"\u003ehealthcare beyond the pandemic\u003c/a\u003e, advancing health equity and improving community health must be part of the conversation.\u003c/p\u003e\n\n\u003cp\u003eHealth disparities are the unfair differences in health and health outcomes that result from unequal access to goods, services, or opportunities. They can occur because of race, ethnicity, gender, income, disability status, or geography, among other factors.\u003c/p\u003e\n\n\u003cp\u003eIt is \u003ca href=\"https://www.ncbi.nlm.nih.gov/books/NBK425844/\" target=\"_blank\"\u003ewidely recognized\u003c/a\u003e that health disparities are associated with a higher burden of disease. The COVID-19 pandemic laid bare the underlying issues that put vulnerable populations and community health at increased risk. For example, Latino, Indigenous, Black, and Pacific Islander Americans die of COVID-19 at \u003ca href=\"https://www.apmresearchlab.org/covid/deaths-by-race#data\" target=\"_blank\"\u003edouble or more the rate\u003c/a\u003e of white and Asian Americans. What\u0026rsquo;s more, 10 upper-income countries have received the vast majority of COVID-19 vaccines, according to the \u003ca href=\"https://www.who.int/campaigns/vaccine-equity\" target=\"_blank\"\u003eWorld Health Organization\u003c/a\u003e. If only vaccines had been distributed equitably, it says, there would have been enough shots to immunize every healthcare worker and older person in the world.\u003c/p\u003e\n\n\u003cp\u003eDespite many valiant efforts, health equity remains elusive. But data and technology can help. To channel their power toward addressing health disparities, the healthcare and life sciences industries should consider 3 core principles:\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003e1. Commit to transparent, complete data collection\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eOrganizations that collect, store, manage, or process data have an obligation to handle it responsibly. IBM, for example, outlines its beliefs and practices in the \u003ca href=\"https://www.ibm.com/blogs/policy/dataresponsibility-at-ibm/\" target=\"_blank\"\u003eIBM Commitment to Data Responsibility\u003c/a\u003e.\u003c/p\u003e\n\n\u003cp\u003eOrganizations that commit to responsible data stewardship can better address health disparities and social inequities by re-examining how they collect, disaggregate, analyze, and report data. Broad data categories such as Black, white, Hispanic, Asian American/Pacific Islander, and American Indian/Alaska Native ignore variations in risk, exposures, and resilience within populations. Likewise, excluding relevant characteristics that influence health, such as income, education, neighborhood social capital, or income, further perpetuates inequities.\u003c/p\u003e\n\n\u003cp\u003eAccurate, complete data is critical to helping organizations monitor the impact of their health equity programs, understand the real drivers behind improved health outcomes, and allocate their resources appropriately.\u003c/p\u003e\n\n\u003cp\u003eComplete data collection also can help create health equity in biomedical research, particularly when it comes to \u003ca href=\"https://www.hlth.com/digital-content/hlth-matters/blog/prioritizing-women-in-scientific-and-clinical-research\" target=\"_blank\"\u003eprioritizing women in scientific and clinical research\u003c/a\u003e. For instance, underrepresentation of women as clinical trial participants, researchers, and leaders has contributed to incomplete data, poorer health outcomes, and what \u003ca href=\"https://doi.org/10.1186/s13293-020-00308-5\" target=\"_blank\"\u003eone research team\u003c/a\u003e called \u0026ldquo;sex inequality that hides in plain sight.\u0026rdquo;\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003e2. Collaborate to enable patient-centered care for all\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eAchieving health equity requires \u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/report/phm\" target=\"_blank\"\u003ecollaboration across multiple stakeholders\u003c/a\u003e, including healthcare providers, payers, employers, life sciences companies, and government agencies, all of whom must work together to create a healthier future.\u003c/p\u003e\n\n\u003cp\u003eFor example, healthcare providers can partner with community organizations to help address social needs. Healthcare payers, meanwhile, can prioritize and pay for patient-centered care teams. And life sciences companies can use \u003ca href=\"https://www.ibm.com/blogs/watson-health/the-future-of-clinical-trials-is-now/\" target=\"_blank\"\u003edecentralized trials\u003c/a\u003e to help vulnerable populations participate in studies. Patient-centered care should be integrated into virtually all aspects of care delivery, including value-based payment models.\u003c/p\u003e\n\n\u003cp\u003eAccess to and integration of data are the 2 most essential requirements for successful population health management, \u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/report/phm\" target=\"_blank\"\u003eaccording to providers\u003c/a\u003e. Enabling secure access and shared data can help facilitate more personalized care. Combining several types of data\u0026mdash;for example, claims, clinical, labs, genomics, wearables, and \u003ca href=\"https://www.ibm.com/blogs/watson-health/5-examples-of-using-social-determants-for-population-health/\" target=\"_blank\"\u003esocial determinants of health\u003c/a\u003e\u0026mdash;enables a more comprehensive longitudinal health record with which to make more informed healthcare decisions.\u003c/p\u003e\n\n\u003cp\u003eWhen organizations collaborate with communities, more accurate and comprehensive data sets are possible. Essential to this collaboration is a meaningful discussion around data \u003ca href=\"http://www.ibm.com/thought-leadership/institute-business-value/report/ai-ethics\" target=\"_blank\"\u003etrust, transparency, and ethics\u003c/a\u003e. Organizations that exercise social responsibility can be a powerful influence on the values of their members or stakeholders.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003e3. Use artificial intelligence (AI) and analytics to measure what matters and surface new insights\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eOrganizations must measure progress toward health equity as they would any other aspect of performance. As part of its 100 Top Hospitals\u0026reg; program, for example, IBM Watson Health recently introduced a \u003ca href=\"https://newsroom.ibm.com/2021-04-27-Fortune-and-IBM-Watson-Health-Recognize-Top-Performing-U-S-Hospitals-and-Health-Systems\" target=\"_blank\"\u003enew measure\u003c/a\u003e of hospitals\u0026rsquo; contributions to community health. This measure focuses on equity, along with measures of clinical outcomes, operational efficiency, patient experience, and financial health.\u003c/p\u003e\n\n\u003cp\u003eThere is great potential value in \u003ca href=\"https://www.ibm.com/blogs/watson-health/applying-machine-learning-to-population-health/\" target=\"_blank\"\u003eapplying machine learning to population health challenges\u003c/a\u003e, especially as organizations collect and manage larger and more diverse types of data. For instance, machine learning helped IBM uncover correlations between COVID-19 mortality rates with sociodemographic traits such as race, HIV prevalence, and unemployment rate.\u003c/p\u003e\n\n\u003cp\u003eDiscovering correlations between social determinants of health and population health challenges can help healthcare providers tailor interventions. We must, however, remain vigilant that AI and machine learning do not inadvertently perpetuate biases. IBM Research has therefore developed\u0026nbsp;\u003ca href=\"https://www.ibm.com/blogs/research/2018/09/ai-fairness-360/\" target=\"_blank\"\u003eAI Fairness 360\u003c/a\u003e, a comprehensive open-source toolkit of metrics to check for unwanted bias in data sets and machine learning models.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eThe time to act is now\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eA more equitable future in healthcare and life sciences is possible\u0026mdash;if we work together to achieve it. Please \u003ca href=\"mailto:idankwa@us.ibm.com\"\u003econtact me\u003c/a\u003e or \u003ca href=\"mailto:wfelix@ibm.com\"\u003eWinnie Felix\u003c/a\u003e to learn more about how IBM Watson Health can help your organization innovate in pursuit of health equity.\u003c/p\u003e\n","approved":true,"image_alt":"Healthcare beyond the pandemic","thumbnail_alt":"Healthcare beyond the pandemic","hideRelatedBlogs":false,"createdAt":"2021-11-10T21:00:34.769Z","updatedAt":"2022-04-08T04:52:07.319Z","author":[],"image":{"id":6421,"name":"blog1003_61d8aaff01.webp","alternativeText":null,"caption":null,"width":2000,"height":500,"formats":null,"hash":"blog1003_61d8aaff01_0ac44b415d","ext":".webp","mime":"image/webp","size":41.53,"url":"/thought-leadership/institute-business-value/uploads/en/blog1003_61d8aaff01_0ac44b415d","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:21:01.903Z","updatedAt":"2022-03-06T10:21:02.001Z"},"thumbnail":{"id":6052,"name":"blog_1003_74b02ad0cc.webp","alternativeText":null,"caption":null,"width":729,"height":359,"formats":null,"hash":"blog_1003_74b02ad0cc_9c47909004","ext":".webp","mime":"image/webp","size":22,"url":"/thought-leadership/institute-business-value/uploads/en/blog_1003_74b02ad0cc_9c47909004","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:20:53.292Z","updatedAt":"2022-03-06T10:20:53.331Z"},"mlinks":null,"assets":[]},{"id":89,"slug":"covid-19-digital-citizen-services","title":"COVID-19 Phase III—Digital citizen services to emerge stronger and more resilient","subtitle":"","date":"2021-10-22T12:00:00.000Z","blurb":"Governments can build on the transformations achieved during the pandemic to deliver citizen services more cost-effectively going forward.\n","content":"\u003cp\u003eIn many countries, the COVID-19 pandemic exacerbated the long-present and wide gap in service quality between the private and public sectors. Governments suddenly faced enormous pressures on some services. For example, as many as \u003ca href=\"https://tcf.org/content/commentary/1-in-4-workers-relied-on-unemployment-aid-during-the-pandemic/?agreed=1\" target=\"_blank\"\u003e1 in 4 workers\u003c/a\u003e\u0026mdash;more than 46 million people\u0026mdash;received a form of unemployment insurance.\u003c/p\u003e\n\n\u003cp\u003eSystem failures across the US and countries \u003ca href=\"https://www.anao.gov.au/work/performance-audit/services-australia-covid-19-measures-and-enterprise-risk-management\" target=\"_blank\"\u003earound the world\u003c/a\u003e were common. After a crush of newly jobless residents overwhelmed Florida\u0026rsquo;s online and phone systems, citizens \u003ca href=\"https://www.cnn.com/2020/04/07/politics/florida-unemployment-benefits-covid/index.html\" target=\"_blank\"\u003elined up\u003c/a\u003e to obtain paper applications for unemployment benefits. \u003ca href=\"https://www.theguardian.com/australia-news/2020/mar/23/queues-at-centrelink-offices-and-mygov-website-crashes-ahead-of-coronavirus-shutdowns\" target=\"_blank\"\u003eAustralia\u003c/a\u003e and other countries experienced similar hardships. Many people had never filed for unemployment benefits or interacted with unemployment insurance systems or processes. Few were impressed.\u003c/p\u003e\n\n\u003cp\u003eBoth private and government organizations had to adapt\u0026mdash;and quickly. \u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/report/covid-19-future-business\" target=\"_blank\"\u003eResearch\u003c/a\u003e from the IBM Institute for Business Value found that the pandemic accelerated digital transformation at 59% of surveyed organizations. Similarly, given the pandemic\u0026rsquo;s impact on government, just over half of government executives surveyed said digital transformation was a priority.\u003c/p\u003e\n\n\u003cp\u003eAlthough their initial response was slow, many public sector organizations made \u003ca href=\"https://nextcity.org/daily/entry/from-the-covid-19-crisis-to-rebuilding-our-public-technology-infrastructure\" target=\"_blank\"\u003esignificant strides\u003c/a\u003e to resolve service issues. Numerous governments achieved years of changes in months. Leaders identified new ways to educate students and shift work from offices to homes. Administrations implemented massive changes in process and technology to scale up and meet unprecedented demand for social benefits services. Skyrocketing fraud added to the challenges, but investigations and counter-fraud solutions have led to \u003ca href=\"https://www.oig.dol.gov/doloiguioversightwork.htm\" target=\"_blank\"\u003ehundreds\u003c/a\u003e of indictments and convictions.\u0026nbsp; \u0026nbsp;\u003c/p\u003e\n\n\u003cp\u003eDigital engagement across all industries jumped ahead by years during COVID-19, and government was no exception. Governments need to build on this progress to cost-effectively improve service delivery going forward. By capturing lessons learned, they can continue their advancements to drive further impact.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eInnovating with modern technology to meet citizen need.\u003c/strong\u003e\u0026nbsp;\u003c/p\u003e\n\n\u003cp\u003eEmbracing the new urgency to harness technology, leading governments scaled to meet demand, delivered entirely new services, and supported new ways of working. For example, governments across the globe set up \u003ca href=\"https://newsroom.ibm.com/watson-assistant-thrive\" target=\"_blank\"\u003eAI-powered virtual assistants\u003c/a\u003e to answer millions of questions per day. Some agencies went even further and used the technology to seamlessly conduct transactions like scheduling appointments, paying for licenses, or even processing paper benefit applications. This approach can not only improve citizen service, but, according to \u003ca href=\"https://www.gartner.com/smarterwithgartner/rethink-customer-service-strategy-drive-self-service\" target=\"_blank\"\u003eGartner\u003c/a\u003e, effective self-service channels can be 80 to 100 times less costly than time-consuming live interactions.\u0026nbsp;\u003c/p\u003e\n\n\u003cp\u003eThe \u003ca href=\"https://www.aptiveresources.com/case-study/veteran-intake-conversion-and-communication-services-viccs-mail-automation-services\" target=\"_blank\"\u003eUS Department of Veterans Affairs\u003c/a\u003e applied process automation and intelligent workflows to help improve citizen service and cut administrative costs associated with manual, paper-driven processes. The Department used AI and process automation to digitize incoming benefits packages and correspondence, cutting processing time from \u003ca href=\"https://www.aptiveresources.com/case-study/veteran-intake-conversion-and-communication-services-viccs-mail-automation-services\" target=\"_blank\"\u003e5 to 60 days\u003c/a\u003e to hours. Within just 8 months, \u003ca href=\"https://www.aptiveresources.com/case-study/veteran-intake-conversion-and-communication-services-viccs-mail-automation-services\" target=\"_blank\"\u003e200 people\u003c/a\u003e handling piles of paper were retrained for new positions. Improvements continued and the Department began to use a similar solution to speed \u003ca href=\"https://www.g2xchange.com/statics/va-awards-40m-vba-foia-pa-processing-services-task-to-ibm/\" target=\"_blank\"\u003eFreedom of Information Act (FOIA) Request processes\u003c/a\u003e. While modern technology played a huge role, these changes were underpinned by a fundamental culture shift that embraced innovation. Innovation was a must. There was no other way.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eKeep moving forward with lessons learned\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eNot every new system deployed during the pandemic was a success. In fact, some vaccine scheduling tools were considered \u003ca href=\"https://www.theguardian.com/world/2021/jan/28/coronavirus-vaccine-appointments-older-americans\" target=\"_blank\"\u003edifficult to use\u003c/a\u003e. What\u0026rsquo;s more, many citizens \u003ca href=\"https://spectrum.ieee.org/telecom/internet/to-close-the-digital-divide-the-fcc-must-redefine-broadband-speeds\" target=\"_blank\"\u003elacked access\u003c/a\u003e\u0026nbsp;to broadband internet and were not able to easily get into these systems.\u003c/p\u003e\n\n\u003cp\u003eThe more successful governments identified critical priorities and rolled up their sleeves to build resilient solutions. They created diverse teams of people from across their organizations and communities to define issues and opportunities for improvement. They used \u003ca href=\"https://www.ibm.com/garage?utm_content=SRCWW\u0026amp;p1=Search\u0026amp;p4=43700055082249585\u0026amp;p5=b\u0026amp;gclid=CjwKCAjw7--KBhAMEiwAxfpkWIp23ImkpKw_AyiN6RWN61XT3PW0J_u81-liLeCcpbyJTPSTdSS5uRoCn5oQAvD_BwE\u0026amp;gclsrc=aw.ds\" target=\"_blank\"\u003eDesign Thinking\u003c/a\u003e to focus on end users and develop solutions that people would adopt. They kept things simple, often eliminating steps that should not exist. Finally, they teamed with technology partners that brought insights, experience, and tools for the journey.\u003c/p\u003e\n\n\u003cp\u003eThe transformation imperative and need for continued investments is not over. In fact, leaders in both government and the private sector are continuing to focus on customer experiences and efficiency. \u003ca href=\"https://www.idc.com/getdoc.jsp?containerId=US47907021\" target=\"_blank\"\u003eIDC reports\u003c/a\u003e that the top 3 focus areas for the future, for all organizations, are customer satisfaction, operational efficiency, and innovation.\u003c/p\u003e\n\n\u003cp\u003eYet, as governments have become more comfortable with transformation at pace, some have experienced unsettling new challenges: security gaps, expanding complexity, and a sense of losing control. All of these can be addressed. Disciplined approaches can drive fast results and address important considerations for long-term success. We will be writing more on these themes over the next several months.\u003c/p\u003e\n\n\u003cp\u003eWe encourage you to contact us (\u003ca href=\"https://www.linkedin.com/in/paul-dommel\" target=\"_blank\"\u003ePaul Dommel\u003c/a\u003e, \u003ca href=\"https://www.linkedin.com/in/nick-holmes-3b0a6915/\" target=\"_blank\"\u003eNick Holmes\u003c/a\u003e, and \u003ca href=\"https://www.linkedin.com/in/mikestone1/\" target=\"_blank\"\u003eMike Stone\u003c/a\u003e) directly to learn more. Although we can\u0026rsquo;t predict the future, we can forge a path forward that is productive, improves the lives of taxpayers, and can be more secure for all of us.\u003c/p\u003e\n","approved":true,"image_alt":"Digital citizen services","thumbnail_alt":"Digital citizen services","hideRelatedBlogs":false,"createdAt":"2021-10-22T23:06:32.974Z","updatedAt":"2022-03-06T10:21:03.832Z","author":[{"id":548,"name":"Paul A. Dommel","email":"pdommel@us.ibm.com","twitter":"","facebook":"","linkedin":"https://www.linkedin.com/in/paul-dommel-6246441","featured":false,"priority":0,"title":"Global Director for Public Service, IBM","image_alt":"Paul A. Dommel","place_of_employment":"","bio":"","createdAt":"2019-10-25T20:18:30.055Z","updatedAt":"2021-11-11T21:14:26.866Z","image":{"id":3458,"name":"drommel.jpg","alternativeText":null,"caption":null,"width":200,"height":200,"formats":null,"hash":"drommel_2bc25afe50","ext":".jpg","mime":"image/jpeg","size":5.91,"url":"/thought-leadership/institute-business-value/uploads/en/drommel_2bc25afe50","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2021-10-23T00:21:29.386Z","updatedAt":"2021-10-23T00:21:29.491Z"}},{"id":874,"name":"Nicholas Holmes","email":"nicholas.holmes@us.ibm.com","twitter":"","facebook":"","linkedin":"https://www.linkedin.com/in/nick-holmes-3b0a6915/","featured":false,"priority":0,"title":"CTO – Global Government Data and AI, IBM","image_alt":"Nicholas Holmes","place_of_employment":"","bio":"","createdAt":"2021-10-22T23:10:28.024Z","updatedAt":"2021-10-23T01:08:06.401Z","image":{"id":3529,"name":"holmes.jpg","alternativeText":null,"caption":null,"width":200,"height":200,"formats":null,"hash":"holmes_3c31b25185","ext":".jpg","mime":"image/jpeg","size":6.52,"url":"/thought-leadership/institute-business-value/uploads/en/holmes_3c31b25185","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2021-10-23T00:19:39.936Z","updatedAt":"2021-10-23T00:19:40.097Z"}},{"id":814,"name":"Mike Stone","email":"mike.stone@ibm.com","twitter":"","facebook":"","linkedin":"https://www.linkedin.com/in/mikestone1/","featured":false,"priority":0,"title":"Global Managing Director, Public Sector, Healthcare and Life Sciences, IBM","image_alt":"Mike Stone","place_of_employment":"","bio":"","createdAt":"2021-08-14T00:54:19.354Z","updatedAt":"2023-07-06T10:40:36.782Z","image":{"id":3454,"name":"1516231181036.jpg","alternativeText":null,"caption":null,"width":450,"height":450,"formats":null,"hash":"1516231181036_634fc3d0c0","ext":".jpg","mime":"image/jpeg","size":27.83,"url":"/thought-leadership/institute-business-value/uploads/en/1516231181036_634fc3d0c0","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2021-09-10T02:53:58.196Z","updatedAt":"2021-09-10T02:53:58.442Z"}}],"image":{"id":6054,"name":"994_BLOG_Landing_page_87108133cd.webp","alternativeText":null,"caption":null,"width":2000,"height":500,"formats":null,"hash":"994_BLOG_Landing_page_87108133cd_158d8dbbb7","ext":".webp","mime":"image/webp","size":59.35,"url":"/thought-leadership/institute-business-value/uploads/en/994_BLOG_Landing_page_87108133cd_158d8dbbb7","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:21:03.761Z","updatedAt":"2022-03-06T10:21:03.816Z"},"thumbnail":{"id":6921,"name":"994_BLOG_thumbnail_1815a41a25.webp","alternativeText":null,"caption":null,"width":758,"height":373,"formats":null,"hash":"994_BLOG_thumbnail_1815a41a25_525c6442dc","ext":".webp","mime":"image/webp","size":25.68,"url":"/thought-leadership/institute-business-value/uploads/en/994_BLOG_thumbnail_1815a41a25_525c6442dc","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:20:53.765Z","updatedAt":"2022-03-06T10:20:53.835Z"},"mlinks":null,"assets":[]},{"id":81,"slug":"consumers-science-technology-solving-problems","title":"Global consumers say science and technology are helping solve today’s toughest problems","subtitle":"","date":"2021-10-05T12:00:00.000Z","blurb":"Intricate, interconnected challenges require intelligent solutions—tools, systems, and approaches that have been developed with discipline and rigor.\n","content":"\u003cp\u003eThe world\u0026rsquo;s problems are complex.\u003c/p\u003e\n\n\u003cp\u003eExtreme weather events. Food insecurity. A global health crisis. These intricate, interconnected challenges require intelligent solutions\u0026mdash;tools, systems, and approaches that have been developed with discipline and rigor.\u003c/p\u003e\n\n\u003cp\u003eIn its search for answers, the world is turning to science. A recent IBM Institute for Business Value survey found that nearly 9 in 10 (88% of) global consumers believe advances in science and technology are critical to making the world a better place.\u003c/p\u003e\n\n\u003cp\u003eThe survey of more than 14,500 adults in 9 countries found that consumers are overwhelmingly confident that technology can help address many of the problems facing society today. \u003cstrong\u003eAnd 79% of those surveyed say the rapid development of the COVID-19 vaccines increased this confidence\u003c/strong\u003e. People are most optimistic about the potential impact of AI, robotics, and semiconductor technology.\u003c/p\u003e\n\n\u003cp\u003e\u003cimg alt=\"86% of consumers believe AI will help solve the most pressing challenges facing the human race and societies today.\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/I_x55_WXNBVY_3_ITOF_0_G5_z3vy_4d408edb80\" style=\"height:451px; width:800px\" /\u003e\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eThe US leads the way\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eWhile addressing complex challenges like climate change and COVID-19 will require international collaboration, global consumers say the United States is best positioned to tackle the world\u0026rsquo;s toughest problems. 58% believe the US is leading the world in science and technology innovation today and 45% believe the US is most prepared to address the pressing challenges currently facing society. In both cases, global consumers ranked the US higher than all other countries.\u003c/p\u003e\n\n\u003cp\u003eTo improve the United States\u0026rsquo; ability to leverage advances in science and technology to manage crisis and change, adults in the US believe it\u0026rsquo;s important for their country to:\u003c/p\u003e\n\n\u003cul\u003e\n\t\u003cli\u003eEncourage public/private partnerships (89%)\u003c/li\u003e\n\t\u003cli\u003ePromote policy and regulation that encourages innovation (91%)\u003c/li\u003e\n\t\u003cli\u003eImprove collaboration and information-sharing across the scientific community, showing they are ready for research institutions to collaborate on innovation (93%)\u003c/li\u003e\n\u003c/ul\u003e\n\n\u003cp\u003eMost global consumers believe governments bear the greatest responsibility for advancing science and technology in their country today. What\u0026rsquo;s more, they expect governments to continue to carry the torch in the future, and the strongest agreement comes from consumers in Brazil, Spain, and Mexico.\u003c/p\u003e\n\n\u003cp\u003e\u003cimg alt=\"9 in 10 US adults surveyed believe it's important to encourage public/private partnerships, or promote policy and regulation that encourages innovation to improve US ability to leverage advances in science and tech.\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/r472_El7_SWD_Pd_KW_4_T5i_Y_Ph_N_x_50f79c5e4f\" style=\"height:451px; width:800px\" /\u003e\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eScience and tech skills will enable future career success\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eFor some respondents, the rays of hope that emanate from science and technology also cast shadows of doubt and anxiety. 61% of employees surveyed\u0026nbsp;are concerned that technology will ultimately make their jobs obsolete.\u003c/p\u003e\n\n\u003cp\u003eHowever, 85% are confident they can keep up with future advances, and for many, the pandemic jumpstarted this process. \u003cstrong\u003e4 in 5 employees worldwide say the pandemic required them to learn both new ways of working and new technologies.\u003c/strong\u003e Cloud computing (41%) is the top tech used by employees in their jobs today, followed by 5G (37%), IoT (32%), and AI (28%).\u003c/p\u003e\n\n\u003cp\u003eOverall, employees are demanding skill development\u0026mdash;and they\u0026rsquo;re ready to make sacrifices to prepare themselves for the future. \u003cstrong\u003e59% say they would be willing to take a pay cut to work for an employer that provides training on new technologies. 72% would be willing to switch employers to get this type of training.\u003c/strong\u003e\u003c/p\u003e\n\n\u003cblockquote\u003e\n\u003cp\u003eNearly all employees say they\u0026rsquo;re willing to invest personal income (95%) and personal time (97%) to develop new skills.\u003c/p\u003e\n\u003c/blockquote\u003e\n\n\u003cp\u003eTo deliver on these evolving expectations, business leaders need to invest in helping employees gain new skills. But while 74% of executives believe they have been helping their employees learn the skills needed to work in a new way, only 38% of employees agree, according to 2020 research from the \u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/report/hr-3\" target=\"_blank\"\u003eIBM Institute for Business Value\u003c/a\u003e.\u003c/p\u003e\n\n\u003cp\u003e\u003cimg alt=\"59% of consumers surveyed report they would be willing to take a pay cut to work for an employer that provides training on new technologies.\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/6_Qgm6_O_Hzu_Knc_T_Tg03n_O8aoq_A_69b198a358\" style=\"height:451px; width:800px\" /\u003e\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eTaking a science-forward approach\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eAdvancements in science and technology have already done so much to help humanity understand and address incredibly complex challenges. And what scientists learn today will help the world overcome the obstacles it will face tomorrow.\u003c/p\u003e\n\n\u003cp\u003eAs renowned astrophysicist Carl Sagan noted decades ago, science is a candle in the darkness. It reveals surprising truths and highlights opportunities for transformational change. In this vein, business leaders who take a \u003ca href=\"https://www.ibm.com/policy/science-forward/\" target=\"_blank\"\u003escience-forward approach\u003c/a\u003e to adopting new technologies, including AI, hybrid cloud, and quantum computing, will be better positioned to adapt to ongoing disruption and change.\u003c/p\u003e\n\n\u003cp\u003eExponential technologies\u0026mdash;and the new business models they enable\u0026mdash;promise to build resilience and enable growth even as new challenges arise. As entire industries are threatened with extinction, companies that evolve will be better positioned to find new ways to thrive, no matter what the future might hold.\u003c/p\u003e\n","approved":true,"image_alt":"","thumbnail_alt":"Global consumers say science and technology are solving today’s toughest problems","hideRelatedBlogs":false,"createdAt":"2021-09-20T21:19:08.060Z","updatedAt":"2022-03-06T10:21:12.884Z","author":[{"id":4,"name":"Dave Zaharchuk","email":"david.zaharchuk@us.ibm.com","twitter":"https://twitter.com/DaveZaharchuk","facebook":"","linkedin":"https://bit.ly/DaveZaharchuk","featured":false,"priority":0,"title":"Research Director, IBM Institute for Business Value","image_alt":"","place_of_employment":"","bio":"","createdAt":"2018-12-01T12:32:51.250Z","updatedAt":"2022-11-02T10:18:58.240Z","image":null}],"image":{"id":7445,"name":"blog_976_ls_e44aa6f810.webp","alternativeText":null,"caption":null,"width":2200,"height":500,"formats":null,"hash":"blog_976_ls_e44aa6f810_cff85bf812","ext":".webp","mime":"image/webp","size":92.77,"url":"/thought-leadership/institute-business-value/uploads/en/blog_976_ls_e44aa6f810_cff85bf812","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:21:12.813Z","updatedAt":"2022-03-06T10:21:12.868Z"},"thumbnail":{"id":6856,"name":"blog_976_tn_ba9b822924.webp","alternativeText":null,"caption":null,"width":728,"height":358,"formats":null,"hash":"blog_976_tn_ba9b822924_df2e8407a3","ext":".webp","mime":"image/webp","size":31.5,"url":"/thought-leadership/institute-business-value/uploads/en/blog_976_tn_ba9b822924_df2e8407a3","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:20:52.964Z","updatedAt":"2022-03-06T10:20:53.041Z"},"mlinks":null,"assets":[]},{"id":93,"slug":"covid-19-supply-chains-control-integrity-agility","title":"COVID-19 Phase III — The new urgency in modernizing supply chains for control, integrity, and dynamic agility","subtitle":"","date":"2021-10-05T12:00:00.000Z","blurb":"We all depend on this global supply chain for our food, clothing, fuel—indeed, our very livelihoods and security. And it has become increasingly complex, integrated, and fragile.\n","content":"\u003cp\u003eThe globalized supply chain is a \u0026ldquo;hidden hand\u0026rdquo; underpinning our economy and society. For the last several decades, a vast ecosystem of suppliers, logistics providers, and buyer brokers has partnered to optimize this extended supply chain and increase efficiency while cutting the cost of capital.\u003c/p\u003e\n\n\u003cp\u003eWe all depend on this global supply chain for our food, clothing, fuel\u0026mdash;indeed, our very livelihoods and security. And it has become increasingly complex, integrated, and fragile.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eThe domino effect\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eIn March 2021, strong winds helped cause a single ship, the \u003ca href=\"https://www.bbc.com/news/business-56559073\" target=\"_blank\"\u003e\u003cem\u003eEver Given\u003c/em\u003e\u003c/a\u003e, to run aground and block the entire Suez Canal\u0026mdash;through which 12% of global trade passes each day, representing 30% of all global container traffic and over $1 trillion worth of goods annually. As a result, 369 massive cargo ships came to a complete standstill\u0026mdash;holding up an estimated \u003ca href=\"https://www.bbc.com/news/business-56533250\" target=\"_blank\"\u003e$9.6 billion\u003c/a\u003e in trade along the waterway per day. What\u0026rsquo;s more, the global price of oil spiked \u003ca href=\"https://www.usnews.com/news/top-news/articles/2021-03-25/oil-prices-rebound-on-fears-suez-canal-blockage-may-last-weeks\" target=\"_blank\"\u003e4%\u003c/a\u003e, and commodity price indices in Europe grew 5%.\u003c/p\u003e\n\n\u003cp\u003eThe fact that a single vessel can impact the cost of beef on the other side of the world underscores supply chain interdependence in a globalized world.\u003c/p\u003e\n\n\u003cp\u003eThat had become clear a year earlier, when the Black Swan COVID-19 hit with all its attendant challenges. Almost overnight, we saw \u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/report/covid-19-supply-chains\" target=\"_blank\"\u003edisruptions to the supply of goods\u003c/a\u003e that were unimaginable just days prior. As consumers, we all have our personal stories to tell\u0026mdash;perhaps you were unable to purchase paper products or eggs at your local grocery store.\u003c/p\u003e\n\n\u003cp\u003eThe problem was not that the world had run out of toilet paper or poultry, but rather that we had too much product packaged in transit in the commercial supply chain\u0026mdash;hotels, restaurants, and office buildings\u0026mdash;and not enough in the retail and consumer supply chain.\u003c/p\u003e\n\n\u003cp\u003eOn March 12, 2020, demand for consumer \u003ca href=\"https://fortune.com/2020/05/18/toilet-paper-sales-surge-shortage-coronavirus-pandemic-supply-chain-cpg-panic-buying/\" target=\"_blank\"\u003epaper products\u003c/a\u003e jumped 734%. The following month, US dairy farmers reportedly were dumping 3.7 million gallons of \u003ca href=\"https://www.nytimes.com/2020/04/11/business/coronavirus-destroying-food.html\" target=\"_blank\"\u003emilk\u003c/a\u003e a day. The worldwide crude oil surplus reached an \u003ca href=\"https://www.nytimes.com/2020/04/20/business/oil-prices.html\" target=\"_blank\"\u003eall-time high\u003c/a\u003e. And while the global food distributor \u003ca href=\"https://www.supplychaindive.com/news/Sysco-earnings-warehouse-truck-driver-hiring-pandemic-recovery/594579/\" target=\"_blank\"\u003eSysco\u003c/a\u003e furloughed 33% of its workforce in the summer of 2020, \u003ca href=\"https://www.thepennyhoarder.com/make-money/amazon-hiring-spree/\" target=\"_blank\"\u003eAmazon\u003c/a\u003e hired 100,000 new employees, mostly in delivery and logistics.\u003c/p\u003e\n\n\u003cp\u003eGiven the complexity of our interdependent supply chain, 80% of the \u003ca href=\"https://www.resilinc.com/blog/download-now-resilinc-2020-annual-report/\" target=\"_blank\"\u003efailures\u003c/a\u003e we saw were in the 2nd and 3rd subtier ecosystem of raw material and component suppliers.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eBearing the brunt\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eLeaders in healthcare and government, more than any other sector, faced the full force of this disruption. The most visibly impacted area was the medical equipment supply chain, as demand skyrocketed for personal protective equipment (PPE), ventilators, and even hospital beds. But the impact to the public sector went far beyond that, as government leaders sought to keep the economy open and the supply of goods flowing.\u003c/p\u003e\n\n\u003cp\u003eAs a result, leaders faced 4 core challenges:\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eVolatile demand:\u003c/strong\u003e Extreme volatility in critical materials and supplies that public sector leaders needed to address the pandemic, and entirely new demand patterns the world had never seen.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eInventory fluctuations:\u003c/strong\u003e Stockouts of high-demand goods and stockpiles of low-demand items, with little visibility in inventory count and location.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eLogistics constraints:\u003c/strong\u003e Partial loads, capacity-constrained warehouses, lower fill rates, fewer on-time deliveries, and constrained labor flexibility.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eIncreased global supply network complexity:\u003c/strong\u003e The supply chain became even more dependent on tier 2 and 3 suppliers, creating limited visibility into raw or work-in-progress (WIP) inventory, coupled with a rising need to onboard new suppliers and a growing concern around supply chain integrity.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eForging stronger supply chains\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eGovernment and healthcare leaders have been focused on supply chain issues for decades. More than 20 years ago, when the September 11 terrorist attacks shook the world and shaped an entire generation, agencies became much more aware of how global risk and uncertainty affect supply chains. Those events moved the issue of supply chain resiliency to the fore.\u003c/p\u003e\n\n\u003cp\u003eAs the global community focuses on rebuilding and emerging from the most recent crisis, there are 4 key actions that governments must take to modernize and strengthen supply chains. These actions can help ensure increased agility and resiliency for the future and protect against foreign adversaries and other potential risks:\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003e1. Harness data and build visibility across multitier supply chains to smooth volatility.\u003c/strong\u003e\u0026nbsp;\u003c/p\u003e\n\n\u003cp\u003eOrganizations gather vast amounts of data to monitor and measure risk. That trove of information can, with improved transparency, provide the ability to identify both relationships and resulting dependencies in integrated chains.\u003c/p\u003e\n\n\u003cp\u003eA trusted data exchange secured and enabled by blockchain technology can allow organizations to collect internal and external data from partners across their extended supply chain ecosystem. Once synthetized, that data can offer vital insights shared across partner networks on critical transactions, external and internal events, and shared risks.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003e2. Monitor the supply chain and drive collaboration to actively plan for future disruption. \u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eNo supply chain is without risk. But increased access to information in a timely manner provides greater decision-making options.\u003c/p\u003e\n\n\u003cp\u003eBefore an agency can craft a strategy, it must identify the risks inherent in its integrated supply chain. From suppliers and production flows to transactions and operations, organizations must examine the details of each interconnected relationship and segment of the supply chain to pinpoint vulnerabilities and bottlenecks. By creating a common operating picture based on information from all suppliers, organizations can model and test different scenarios to evaluate the plans of action that best align with shared goals.\u003c/p\u003e\n\n\u003cp\u003eIncreased visibility into supply chain disruptions enables organizations to be better prepared. Moreover, this information can provide organizations insights to help achieve essential supply chain objectives (such as sustainability or supplier diversity) by surfacing information on where and by whom commodities are sourced.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003e3. Build integrity and trust by measuring performance and risk, and compare results over time.\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eMeasuring the supply chain is as critical as monitoring it. Organizations must identify measurements to gauge and quantify risks, and to better understand the impact and potential exposure of disruptions across their integrated supply chain. Data management solutions can help categorize certain aspects of supply chain risks as high, medium, or low. Transparency across ecosystem partners provides shared insights on the reliability of the entire integrated supply chain.\u003c/p\u003e\n\n\u003cp\u003eExtending a measurement system to external partners allows organizations to benchmark themselves against leading organizations in both the public and private sectors\u0026mdash;and drive continuous improvement efforts. Regardless of the data collection frequency, a regular measurement and analysis cadence helps ensure quality findings. This data set is pivotal to shaping a risk management strategy and prioritizing resources for the greatest return.\u003c/p\u003e\n\n\u003cp\u003eCombining these findings with the right analytics tools can further enhance the reliability, quality, and repeatability of organizational processes.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003e4. Improve the resiliency and reliability of supply chains.\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eWith a foundation of data-driven insights for monitoring and measuring the integrated supply chain, organizations can put preventive and proactive strategies in place and continuously iterate to \u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/report/supply-chain-resilience\" target=\"_blank\"\u003eimprove reliability and resilience\u003c/a\u003e. With a robust data set, organizations can better monitor their integrated supply chain as they implement new strategies and evaluate the results of new initiatives and interventions.\u003c/p\u003e\n\n\u003cp\u003eIntroducing new technologies such as artificial intelligence (AI) can further amplify results. AI can help identify suppliers that have room for improvement, prioritizing based on highest impact and predicting new scenarios through simulations.\u003c/p\u003e\n\n\u003cp\u003eImproving resiliency also requires building a diverse supplier base. Understanding and mitigating supply chain risks involves gaining visibility into tier 2 and 3 suppliers which\u0026mdash;as we\u0026rsquo;ve seen\u0026mdash;can quickly and significantly disrupt production and delivery. Over \u003ca href=\"https://www.dnb.com/content/dam/english/economic-and-industry-insight/DNB_Business_Impact_of_the_Coronavirus_US.pdf\" target=\"_blank\"\u003e90%\u003c/a\u003e of Fortune 1000 companies depended on tier 2 suppliers in regions most affected in the initial phase of the global COVID-19 pandemic or operated in potentially adversarial nation states. Impediments to interaction and engagement with these suppliers greatly complicate risk management.\u003c/p\u003e\n\n\u003cp\u003eGovernments should pursue policies and strategies that reduce dependence on single sources of supply (suppliers and regions) for critical goods and services, and limit geopolitical exposure. Supply chain repatriation should be part of the discussion.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eCritical capabilities\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eBuilding a deep and comprehensive understanding of your organization\u0026rsquo;s integrated supply chain strengths and weaknesses can enable business continuity planning and rapid response strategies. The last 19 months have been a harsh reminder of the risks inherent in our interconnected world and further demonstrated the criticality of supply chains to economies, organizations, and individuals. As such, it\u0026rsquo;s imperative that governments can crowdsource feedback from stakeholders across the extended value chain\u0026mdash;from suppliers to citizens\u0026mdash;on what they need and what changes impact them most.\u003c/p\u003e\n\n\u003cp\u003eWe are committed to helping governments build these critical capabilities. We encourage you to contact us directly to learn more and discuss how we can work together to help further protect and promote the safety, security, and economic prosperity of regions and countries.\u003c/p\u003e\n","approved":true,"image_alt":"Securing the supply chain to emerge stronger and more resilient","thumbnail_alt":"Securing the supply chain to emerge stronger and more resilient","hideRelatedBlogs":false,"createdAt":"2021-10-05T22:24:56.946Z","updatedAt":"2022-03-06T10:21:03.036Z","author":[{"id":857,"name":"Rob Cushman","email":"rob.cushman@ibm.com","twitter":"","facebook":"","linkedin":"https://www.linkedin.com/in/robertacushman/","featured":false,"priority":0,"title":"Senior Partner, Supply Chain Transformation, IBM","image_alt":"Rob Cushman","place_of_employment":"","bio":"","createdAt":"2021-10-05T22:51:55.249Z","updatedAt":"2023-02-08T23:53:04.732Z","image":{"id":3337,"name":"1606761295248.jpg","alternativeText":null,"caption":null,"width":200,"height":200,"formats":null,"hash":"1606761295248_e966ab1423","ext":".jpg","mime":"image/jpeg","size":5.68,"url":"/thought-leadership/institute-business-value/uploads/en/1606761295248_e966ab1423","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2021-10-05T23:29:35.226Z","updatedAt":"2021-10-05T23:29:35.263Z"}},{"id":866,"name":"Timothy Paydos","email":"tpaydos@us.ibm.com","twitter":"https://twitter.com/timpaydos","facebook":"","linkedin":"https://www.linkedin.com/in/tim-paydos-857197/","featured":false,"priority":0,"title":"Vice President and General Manager, Government Industry Global Sales, IBM","image_alt":"Tim Paydos","place_of_employment":"","bio":"","createdAt":"2020-11-27T10:37:07.256Z","updatedAt":"2023-07-06T10:40:36.782Z","image":{"id":7738,"name":"paydos-hs.jpg","alternativeText":null,"caption":null,"width":508,"height":508,"formats":null,"hash":"paydos_hs_de88bb2e89","ext":".jpg","mime":"image/jpeg","size":22.39,"url":"/thought-leadership/institute-business-value/uploads/en/paydos_hs_de88bb2e89","previewUrl":null,"provider":"ibv-cos","provider_metadata":null,"createdAt":"2022-07-12T03:38:31.326Z","updatedAt":"2022-07-12T03:38:31.470Z"}},{"id":814,"name":"Mike Stone","email":"mike.stone@ibm.com","twitter":"","facebook":"","linkedin":"https://www.linkedin.com/in/mikestone1/","featured":false,"priority":0,"title":"Global Managing Director, Public Sector, Healthcare and Life Sciences, IBM","image_alt":"Mike Stone","place_of_employment":"","bio":"","createdAt":"2021-08-14T00:54:19.354Z","updatedAt":"2023-07-06T10:40:36.782Z","image":{"id":3454,"name":"1516231181036.jpg","alternativeText":null,"caption":null,"width":450,"height":450,"formats":null,"hash":"1516231181036_634fc3d0c0","ext":".jpg","mime":"image/jpeg","size":27.83,"url":"/thought-leadership/institute-business-value/uploads/en/1516231181036_634fc3d0c0","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2021-09-10T02:53:58.196Z","updatedAt":"2021-09-10T02:53:58.442Z"}},{"id":390,"name":"Jonathan Wright","email":"Jonathan.Wright@ibm.com","twitter":"","facebook":"","linkedin":"http://linkedin.com/in/jonathanwright2","featured":false,"priority":0,"title":"Managing Partner, Supply Chain and Finance Transformation, Sustainability, IBM ","image_alt":"Jonathan Wright","place_of_employment":"","bio":"","createdAt":"2020-03-26T03:03:47.420Z","updatedAt":"2023-06-22T00:39:22.372Z","image":{"id":3527,"name":"1539097259847.jpg","alternativeText":null,"caption":null,"width":200,"height":200,"formats":null,"hash":"1539097259847_91ef7356e7","ext":".jpg","mime":"image/jpeg","size":6.55,"url":"/thought-leadership/institute-business-value/uploads/en/1539097259847_91ef7356e7","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2021-10-05T23:30:50.516Z","updatedAt":"2021-10-05T23:30:50.583Z"}},{"id":873,"name":"Nikki Zimmerman","email":"nezimmer@us.ibm.com","twitter":"","facebook":"","linkedin":"https://www.linkedin.com/in/nikkiz/","featured":false,"priority":0,"title":"Global Leader, Supply Chain Resilience, IBM","image_alt":"Nikki Zimmerman","place_of_employment":"","bio":"","createdAt":"2021-10-05T22:57:49.682Z","updatedAt":"2021-10-18T22:32:32.044Z","image":{"id":3949,"name":"7D3508897.jpg","alternativeText":null,"caption":null,"width":400,"height":400,"formats":null,"hash":"7_D3508897_f679ad51f7","ext":".jpg","mime":"image/jpeg","size":27.8,"url":"/thought-leadership/institute-business-value/uploads/en/7_D3508897_f679ad51f7","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2021-10-06T01:19:30.497Z","updatedAt":"2021-10-06T01:19:30.547Z"}}],"image":{"id":6422,"name":"988_blog_ls_5c963e4d29.webp","alternativeText":null,"caption":null,"width":2000,"height":500,"formats":null,"hash":"988_blog_ls_5c963e4d29_732c90a39e","ext":".webp","mime":"image/webp","size":103.02,"url":"/thought-leadership/institute-business-value/uploads/en/988_blog_ls_5c963e4d29_732c90a39e","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:21:02.952Z","updatedAt":"2022-03-06T10:21:03.023Z"},"thumbnail":{"id":6350,"name":"988_blog_tn_58c799e034.webp","alternativeText":null,"caption":null,"width":728,"height":358,"formats":null,"hash":"988_blog_tn_58c799e034_52fb92086f","ext":".webp","mime":"image/webp","size":56.82,"url":"/thought-leadership/institute-business-value/uploads/en/988_blog_tn_58c799e034_52fb92086f","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:20:53.719Z","updatedAt":"2022-03-06T10:20:53.833Z"},"mlinks":null,"assets":[]},{"id":75,"slug":"covid-19-amplifying-security-imperative","title":"COVID-19 Phase III— Amplifying the security imperative to emerge stronger and more resilient","subtitle":"","date":"2021-09-17T12:00:00.000Z","blurb":"Governments around the world responded to the COVID-19 crisis with rapid innovation – by creating more frictionless citizen experiences.\n","content":"\u003cp\u003eIn the heat of the moment, governments around the world responded to the COVID-19 crisis with rapid innovation \u0026ndash; by creating more frictionless citizen experiences, accelerating digital business transformation, expanding cloud footprints, transitioning to hybrid or remote work models, and integrating global supply chains. In many cases, government leaders surprised themselves with their ability to rapidly innovate. In the rush to launch new capabilities to meet increased demand, however, critical security and protection measures may have been deprioritized, overlooked, or ignored altogether. As a result, many government organizations have further increased their exposure to security threats. The trick now is to sustain the pace of innovation and build even more momentum, while simultaneously closing any security gaps.\u003c/p\u003e\n\n\u003cp\u003eMoving government services, communication, and personal interactions to digital has significantly increased potential attack surfaces, resulting in a \u003ca href=\"https://www.ibm.com/security/data-breach/threat-intelligence\" target=\"_blank\"\u003edramatic surge in cybersecurity incidents\u003c/a\u003e, including the recent series of ransomware attacks and exposure of personal and sensitive citizen data. This risk has intensified even more as a result of organizations leveraging data and artificial intelligence (AI) to accelerate COVID-19 recovery plans across multiple levels of government. This required moving\u003cstrong\u003e \u003c/strong\u003eworkloads to the cloud\u0026mdash;along with their associated threats and vulnerabilities. In fact, research indicates \u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/report/zero-trust-security\" target=\"_blank\"\u003eupwards of 90% of cyber-related incidents originated in cloud environments in 2020\u003c/a\u003e.\u003c/p\u003e\n\n\u003cp\u003eIn addition to increasing risk, cyber incidents also had significant financial impacts on governments. According to \u003ca href=\"https://www.ibm.com/security/data-breach?utm_medium=OSocial\u0026amp;utm_source=Blog\u0026amp;utm_content=000000NJ\u0026amp;utm_term=10013747\u0026amp;utm_id=SI-Blog-Inline\" target=\"_blank\"\u003eIBM\u0026rsquo;s Cost of Data Breach Report\u003c/a\u003e, public sector organizations are the 6th most frequency attacked among all industries, and the average cost per cyber security incident is nearly $2 million. And what\u0026rsquo;s even more alarming is that attacks on public sector organizations have the 2nd longest attack lifecycle, with the average organization taking 330 days to contain a breach once identified. While you can\u0026rsquo;t point to a singular cause, a dearth of security experts with the right skills is a key gap and a likely contributing factor to the security woes of many public sector organizations.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eSecuring critical infrastructure with zero trust principles\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eThe very nature of critical infrastructure implies a dynamic relationship between trust and risk. Understanding the amount of risk governments carry and being able to \u003ca href=\"https://www.ibm.com/security/services/security-governance/risk-management\" target=\"_blank\"\u003equantify that risk\u003c/a\u003e into financial terms provides a clear picture for implementing security in the most efficient and effective way possible. This is even more important when government operations move online, exposing both IT and operational technology (OT) networks to potential compromise. The May 2021 \u003ca href=\"https://www.bloomberg.com/news/articles/2021-06-04/hackers-breached-colonial-pipeline-using-compromised-password\" target=\"_blank\"\u003eColonial Pipeline ransomware attack\u003c/a\u003e led to fuel shortages across the East Coast of the United States. Reliance on IT and OT environments means mission-critical infrastructure is increasingly vulnerable to new threats. For example, GPS-enabled navigation systems that we take for granted are at risk of breakdown, which can negatively impact the deployment of emergency services vehicles, maritime navigation, and operation safety of many services consumed by citizens every day.\u003c/p\u003e\n\n\u003cp\u003eWith the number of risks and security events growing exponentially, government security operation teams are adopting the zero trust security approach. The \u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/report/zero-trust-security\" target=\"_blank\"\u003eIBM Institute of Business Value\u003c/a\u003e concluded that organizations with mature zero trust capabilities have reduced their security capital and operational expenditures and increased the effectiveness of their cybersecurity operations. This zero trust approach enables the protection of the IT and OT at the foundation of government services by adopting key zero trust principles:\u003c/p\u003e\n\n\u003cul\u003e\n\t\u003cli\u003e\u003cstrong\u003ePreserve citizen private and sensitive data\u003c/strong\u003e with a focus on simplifying and securing user onboarding, managing user preferences and consents, and enforcing privacy regulations controls.\u003c/li\u003e\n\t\u003cli\u003e\u003cstrong\u003eReduce the risk of insider threat\u003c/strong\u003e by enforcing least privilege access, discovering risky user behavior, and embedding threat intelligence.\u003c/li\u003e\n\t\u003cli\u003e\u003cstrong\u003eProtect the hybrid cloud \u003c/strong\u003eby managing and controlling all accesses, monitoring cloud activity/configurations, and securing cloud native workload.\u003c/li\u003e\n\t\u003cli\u003e\u003cstrong\u003eSecure the remote workforce\u003c/strong\u003e by securing bring your own (BYO) and unmanaged devices, eliminating VPNs, and providing \u0026ldquo;passwordless\u0026rdquo; experiences.\u003c/li\u003e\n\u003c/ul\u003e\n\n\u003cp\u003e\u003cstrong\u003eCognitive roadmap to zero trust\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eGovernment organizations can\u0026rsquo;t simply spend or hire their way to a healthy security posture. To close critical capability and skills gaps, several approaches and technologies are needed. As security technologies have evolved over the years, they have moved from simple perimeter controls (such as focusing on static defenses) to more advanced security intelligence capabilities (such as focusing on real-time threat information and deviations from patterns).\u003c/p\u003e\n\n\u003cp\u003eThese new technologies have ushered us into the \u003cstrong\u003ecognitive \u003c/strong\u003eera of security. Cognitive security solutions can understand context, behavior, and meaning by analyzing both structured and unstructured data. Cognitive security looks to unlock a new partnership between security analysts and their technology. These solutions can interpret and organize information and offer explanations of what it means, while offering a rationale for conclusions. They also learn continuously as data accumulates and insights are derived from interaction.\u003c/p\u003e\n\n\u003cp\u003eThese next-gen cognitive security solutions, can enable government security teams to:\u003c/p\u003e\n\n\u003cul\u003e\n\t\u003cli\u003eEnhance the capabilities of junior security operations center (SOC) analysts by giving them access to best practices and insight that used to require years of experience.\u003c/li\u003e\n\t\u003cli\u003eImprove the response speed by applying external intelligence from blogs and other sources in an effort to take action before threats materialize.\u003c/li\u003e\n\t\u003cli\u003eQuickly identify threats and speed detection of risky user behavior, data exfiltration, and malware infections using advanced analysis methods.\u003c/li\u003e\n\t\u003cli\u003eGain greater context around security incidents through automation of local and external data gathering and reasoning.\u003c/li\u003e\n\u003c/ul\u003e\n\n\u003cp\u003eCognitive security solutions can be used in combination with automated, data-driven security technologies, techniques, and processes to help ensure the highest levels of context and accuracy.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eImproving collaboration for better security\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eWhile traditional approaches to cybersecurity relied on permissions and discrete network boundaries, today\u0026rsquo;s networks are defined by dynamic services and diffuse boundaries. Today\u0026rsquo;s digital platforms generate value by virtue of being interconnected, by sharing information across multiple parties. One leading example is the \u003ca href=\"https://mediacenter.ibm.com/media/Los+Angeles+Cyber+Lab+/1_hee4ejbp/98865812\" target=\"_blank\"\u003eLA Cyber Lab\u003c/a\u003e, a first of its kind threat intelligence sharing platform, which allows city government officials, businesses, and private citizens to share cyber threat intelligence. In support, IBM deployed the \u003ca href=\"https://www.ibm.com/security/xforce/research-hub\" target=\"_blank\"\u003eX-Force Threat Intelligence Research Hub\u003c/a\u003e, which is using cognitive services and tools to correlate many parallel cyber events.\u003c/p\u003e\n\n\u003cp\u003eThis collaborative approach to security helps governments increase their responsiveness while reducing complexity. Cognitive security technology helps to identify primary cyber weaknesses and vulnerabilities across government operations and government-controlled supply chains. Success requires a holistic approach and a deep understanding of the value that cognitive security solutions can provide.\u003c/p\u003e\n\n\u003cp\u003eWe encourage you to contact us (\u003ca href=\"https://www.linkedin.com/in/holecy/\" target=\"_blank\"\u003eMiro Holecy\u003c/a\u003e, \u003ca href=\"https://uk.linkedin.com/in/julianmeyrick\" target=\"_blank\"\u003eJulian Meyrick\u003c/a\u003e, \u003ca href=\"https://www.linkedin.com/in/tim-paydos-857197\" target=\"_blank\"\u003eTim Paydos\u003c/a\u003e and \u003ca href=\"https://uk.linkedin.com/in/mikestone1\" target=\"_blank\"\u003eMike Stone\u003c/a\u003e) directly to learn more. While we can\u0026rsquo;t predict the future any more than we could predict the last months, we can work together to help forge a path forward that is prosperous, productive, and more secure for all of us.\u003c/p\u003e\n","approved":true,"image_alt":"Amplifying the security imperative to emerge stronger and more resilient","thumbnail_alt":"Amplifying the security imperative to emerge stronger and more resilient","hideRelatedBlogs":false,"createdAt":"2021-09-16T22:54:38.052Z","updatedAt":"2022-03-06T10:21:21.467Z","author":[{"id":866,"name":"Timothy Paydos","email":"tpaydos@us.ibm.com","twitter":"https://twitter.com/timpaydos","facebook":"","linkedin":"https://www.linkedin.com/in/tim-paydos-857197/","featured":false,"priority":0,"title":"Vice President and General Manager, Government Industry Global Sales, IBM","image_alt":"Tim Paydos","place_of_employment":"","bio":"","createdAt":"2020-11-27T10:37:07.256Z","updatedAt":"2023-07-06T10:40:36.782Z","image":{"id":7738,"name":"paydos-hs.jpg","alternativeText":null,"caption":null,"width":508,"height":508,"formats":null,"hash":"paydos_hs_de88bb2e89","ext":".jpg","mime":"image/jpeg","size":22.39,"url":"/thought-leadership/institute-business-value/uploads/en/paydos_hs_de88bb2e89","previewUrl":null,"provider":"ibv-cos","provider_metadata":null,"createdAt":"2022-07-12T03:38:31.326Z","updatedAt":"2022-07-12T03:38:31.470Z"}},{"id":872,"name":"Miro Holecy","email":"miro.holecy@se.ibm.com","twitter":"","facebook":"","linkedin":"https://www.linkedin.com/in/holecy/","featured":false,"priority":0,"title":"Government Industry Executive and IBM Distinguished Engineer","image_alt":"","place_of_employment":"","bio":"","createdAt":"2021-09-16T23:38:02.097Z","updatedAt":"2021-09-17T12:47:17.857Z","image":{"id":3881,"name":"miro.jpg","alternativeText":null,"caption":null,"width":200,"height":200,"formats":null,"hash":"miro_2709f151c0","ext":".jpg","mime":"image/jpeg","size":7.99,"url":"/thought-leadership/institute-business-value/uploads/en/miro_2709f151c0","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2021-09-17T00:55:51.546Z","updatedAt":"2021-09-17T00:55:51.600Z"}},{"id":354,"name":"Julian Meyrick","email":"julian_meyrick@uk.ibm.com","twitter":"","facebook":"","linkedin":"https://www.linkedin.com/in/julianmeyrick/","featured":false,"priority":0,"title":"Managing Partner \u0026 Vice President, Security Strategy Risk \u0026 Compliance, IBM","image_alt":"Julian Meyrick","place_of_employment":"","bio":"","createdAt":"2020-03-06T22:28:16.852Z","updatedAt":"2022-06-17T03:32:01.230Z","image":{"id":3333,"name":"julianm.jpg","alternativeText":null,"caption":null,"width":200,"height":200,"formats":null,"hash":"julianm_6dc0ed3b35","ext":".jpg","mime":"image/jpeg","size":6.84,"url":"/thought-leadership/institute-business-value/uploads/en/julianm_6dc0ed3b35","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2021-09-17T00:57:52.079Z","updatedAt":"2021-09-17T00:57:52.109Z"}},{"id":814,"name":"Mike Stone","email":"mike.stone@ibm.com","twitter":"","facebook":"","linkedin":"https://www.linkedin.com/in/mikestone1/","featured":false,"priority":0,"title":"Global Managing Director, Public Sector, Healthcare and Life Sciences, IBM","image_alt":"Mike Stone","place_of_employment":"","bio":"","createdAt":"2021-08-14T00:54:19.354Z","updatedAt":"2023-07-06T10:40:36.782Z","image":{"id":3454,"name":"1516231181036.jpg","alternativeText":null,"caption":null,"width":450,"height":450,"formats":null,"hash":"1516231181036_634fc3d0c0","ext":".jpg","mime":"image/jpeg","size":27.83,"url":"/thought-leadership/institute-business-value/uploads/en/1516231181036_634fc3d0c0","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2021-09-10T02:53:58.196Z","updatedAt":"2021-09-10T02:53:58.442Z"}}],"image":{"id":7042,"name":"Trust_Hero_cdc5ea582e.webp","alternativeText":null,"caption":null,"width":2000,"height":500,"formats":null,"hash":"Trust_Hero_cdc5ea582e_82c824baf1","ext":".webp","mime":"image/webp","size":23.48,"url":"/thought-leadership/institute-business-value/uploads/en/Trust_Hero_cdc5ea582e_82c824baf1","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:21:21.135Z","updatedAt":"2022-03-06T10:21:21.412Z"},"thumbnail":{"id":6123,"name":"Trust_thumbnail_9e92293bd1.webp","alternativeText":null,"caption":null,"width":729,"height":359,"formats":null,"hash":"Trust_thumbnail_9e92293bd1_840af61198","ext":".webp","mime":"image/webp","size":13.31,"url":"/thought-leadership/institute-business-value/uploads/en/Trust_thumbnail_9e92293bd1_840af61198","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:21:09.653Z","updatedAt":"2022-03-06T10:21:09.940Z"},"mlinks":null,"assets":[]},{"id":67,"slug":"covid-19-foundation-stronger-resilient","title":"COVID-19 Phase III—Building a robust analytic foundation to emerge stronger and more resilient","subtitle":"","date":"2021-09-10T12:00:00.000Z","blurb":"Public Sector leaders must build a robust analytic foundation for increasing situational awareness, predicting potential policy impacts, and providing transparency.\n","content":"\u003cp\u003e\u003cstrong\u003ePublic Sector leaders must build a robust analytic foundation for increasing situational awareness, predicting potential policy impacts, and providing transparency\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eAs governments and healthcare leaders have strained to respond to the COVID-19 \u0026ldquo;black swan\u0026rdquo; event, they quickly realized the need to not only provide expanded and better services. This had to be accomplished in a way that keeps economies afloat, helps protect national security, preserves personal liberty, and improves equity across the population. At the end of the day, trust in government has become a defining challenge\u0026mdash;only 41% of people say they \u003ca href=\"https://www.edelman.com/sites/g/files/aatuss191/files/2021-01/2021-edelman-trust-barometer.pdf\" target=\"_blank\"\u003etrust\u003c/a\u003e government leaders to do what is right.\u003c/p\u003e\n\n\u003cp\u003eIn reflecting on the \u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/blog/covid-19-governments-emerge\" target=\"_blank\"\u003e4 themes\u003c/a\u003e that have emerged over the past several months, a key implication has become clear\u0026mdash;Public Sector leaders must build a robust analytic foundation for increasing situational awareness, predicting potential policy impacts, and providing citizen transparency. In this way, data serves as the new raw material that institutions need to mine and refine to rebuild trust.\u0026nbsp;\u0026nbsp;\u003c/p\u003e\n\n\u003cp\u003eDigital data is now virtually everywhere\u0026mdash;across sectors, countries, organizations, and in the billions of digital devices that citizens and businesses use daily. And now with 5G, the amount of data globally is expected to \u003ca href=\"https://www.opensignal.com/2020/10/21/5g-users-on-average-consume-up-to-27x-more-mobile-data-compared-to-4g-users\" target=\"_blank\"\u003enearly triple\u003c/a\u003e. The challenge is that more than \u003ca href=\"https://www.seagate.com/news/news-archive/seagates-rethink-data-report-reveals-that-68-percent-of-data-available-to-businesses-goes-unleveraged-pr-master/\" target=\"_blank\"\u003etwo-thirds\u003c/a\u003e the amount of data available to enterprises goes unused or is effectively wasted. The act of creating insights and value from this increasingly abundant resource is essential.\u003c/p\u003e\n\n\u003cp\u003eHowever, governments, healthcare institutions, and societies are still facing significant headwinds that prevent them from fully capitalizing on this opportunity. To address these challenges, governments should continue to invest in data preparedness, including the policies, relationships, communication streams, technologies, and physical infrastructure. This can not only expedite future response efforts, but also contribute to increased economic vitality and prosperity.\u003c/p\u003e\n\n\u003cblockquote\u003e\n\u003cp\u003eData and artificial intelligence (AI) can be key to accelerating these recovery plans across levels of government.\u003c/p\u003e\n\u003c/blockquote\u003e\n\n\u003cp\u003ePublic Sector leaders need to:\u003c/p\u003e\n\n\u003cul\u003e\n\t\u003cli\u003eDevelop robust data management and analytics capabilities built for situational awareness, decision support, and greater transparency\u003c/li\u003e\n\t\u003cli\u003eBetter understand potential policy impact on economy, personal liberty, and equity through modeling\u003c/li\u003e\n\t\u003cli\u003eIdentify and target underserved communities\u003c/li\u003e\n\t\u003cli\u003eEmbrace data sharing and data interchange standards\u003c/li\u003e\n\t\u003cli\u003eProtect citizen privacy as social services evolve\u003c/li\u003e\n\t\u003cli\u003eIntegrate eligibility by transferring entitlements amongst agencies effectively\u003c/li\u003e\n\t\u003cli\u003eCreate services that are accessible for those most in need (for example, the elderly).\u003c/li\u003e\n\u003c/ul\u003e\n\n\u003cp\u003e\u003cstrong\u003eThe challenges of closing the data understanding gap\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eDuring the early phases of the pandemic, we may have felt like a sailor on a stranded ship, where water (data) was everywhere yet \u003cstrong\u003ethere was not a drop (of information) to quench our thirst\u003c/strong\u003e. While the curve of available data continues to grow at an exponential rate and many governments struggle to help ensure the curve of \u0026ldquo;understood data\u0026rdquo; keeps pace, it is imperative for Public Sector institutions to address 2 key questions:\u003c/p\u003e\n\n\u003col\u003e\n\t\u003cli\u003eHow can we connect data from different sources, agencies, and departments and combine it in such a way where anyone\u0026mdash;with the right authorization\u0026mdash;can access it, and extract insights to inform critical decisions?\u003c/li\u003e\n\t\u003cli\u003eHow can we simplify the underlying complexity of data silos and advance citizens to an era where they can ask direct questions and get relevant answers at virtually any time, any place?\u0026nbsp;\u003c/li\u003e\n\u003c/ol\u003e\n\n\u003cp\u003eThese are not easy challenges to address. And they\u0026rsquo;re further complicated by the fact that the data needed to build and operate an end-to-end view of the citizen is unlikely to reside in any single platform.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eWhat Public Sector leaders need is a robust data fabric\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eTackling this problem will take a \u003cstrong\u003edata fabric\u003c/strong\u003e. Fabric is literally the structure of something\u0026mdash;the parts that hold it together and make it what it is. In a textile fabric, it is defined as fibers made by either weaving or knitting. In a data fabric, it is the connection and unification of data points that lead to the whole structure.\u003c/p\u003e\n\n\u003cp\u003eA data fabric provides seamless access across hybrid clouds, data centers, and edge systems to ingest, explore, prepare, manage, govern, and serve petabyte-scale data for organizational-ready AI. This enables \u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/report/data-fabric-multicloud\" target=\"_blank\"\u003edynamic and intelligent data orchestration across a hybrid cloud\u003c/a\u003e, creating a network of near-instantly available information. The data fabric helps us consume the data when it is the most relevant and valuable to support mission-critical decision making. In other words, because data quickly ages, it needs to be consumed at the right time.\u003c/p\u003e\n\n\u003cblockquote\u003e\n\u003cp\u003eData fabric provides new ways to manage the boundaries separating applications, data, clouds, and the people who design and create them.\u003c/p\u003e\n\u003c/blockquote\u003e\n\n\u003cp\u003eNot surprisingly, IBM has invested in supporting our clients with much more than a data fabric. We have created a new kind of data and analytics platform with built-in governance and AI. Using federated search, the platform helps our government and healthcare partners experience flexibility, enhanced security, and control over their data without having to re-arrange their data storage. It delivers\u0026mdash;out-of-the-box\u0026mdash;a broad range of core data microservices with the option to add more from a growing services catalog. It is an agile, resilient cloud native platform that enables clients to predict and automate outcomes with trusted \u003cstrong\u003edata and AI.\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eThe perfect marriage between data and AI\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eData is a foundation from which both governments and businesses can drive smarter decisions. However, it is AI that unleashes the full power of that data. This is why AI is poised to transform governments, organizations, and enterprises with the potential to add almost \u003ca href=\"https://www.forbes.com/sites/greatspeculations/2019/02/25/ai-will-add-15-trillion-to-the-world-economy-by-2030/?sh=727bae311852\" target=\"_blank\"\u003e16 trillion dollars to the global economy by 2030\u003c/a\u003e. It is our belief that, in the very near future, virtually all data will be infused with AI: the linchpin capability that will help deliver automation and actionable insights from the data, close the \u0026ldquo;understanding gap,\u0026rdquo; and unleash innovation.\u003c/p\u003e\n\n\u003cp\u003eThe lessons we have captured during the pandemic underscore \u003cstrong\u003ethe importance of both quantity and quality of data.\u003c/strong\u003e To gain visibility into both problems and solutions, the Public Sector needs strong systems and governance. This is to capture and organize information for situational awareness, and to turn it into actionable, shareable intelligence that can inform decision making across levels of government. More than that, though, the Public Sector needs to commit to \u003cstrong\u003edata integrity and data transparency\u003c/strong\u003e as a means of rebuilding \u003cstrong\u003ecitizen confidence and trust in government and turning lessons captured into lessons learned\u003c/strong\u003e.\u003c/p\u003e\n\n\u003cp\u003eWe encourage you to contact us (\u003ca href=\"https://www.linkedin.com/in/cristina-caballe-77516938/\" target=\"_blank\"\u003eCristina Caballe\u003c/a\u003e, \u003ca href=\"https://www.linkedin.com/in/mikestone1/\" target=\"_blank\"\u003eMike Stone\u003c/a\u003e, and \u003ca href=\"https://www.linkedin.com/in/tim-paydos-857197/\" target=\"_blank\"\u003eTim Paydos\u003c/a\u003e) directly to learn more. Although we can\u0026rsquo;t predict the future any more than we could predict the last months, we can forge a path forward that is prosperous, productive, and more secure for all of us.\u003c/p\u003e\n","approved":true,"image_alt":"","thumbnail_alt":"COVID-19 Phase III—Building a robust analytic foundation to emerge stronger and more resilient","hideRelatedBlogs":false,"createdAt":"2021-09-10T02:30:10.201Z","updatedAt":"2022-03-06T10:21:21.649Z","author":[{"id":703,"name":"Cristina Caballe Fuguet ","email":"Cristina.Caballe@es.ibm.com","twitter":"","facebook":"","linkedin":"https://www.linkedin.com/in/cristina-caballe-77516938/","featured":false,"priority":0,"title":"Vice President, Global Public Sector, IBM ","image_alt":"Cristina Caballe","place_of_employment":"","bio":"","createdAt":"2021-09-10T02:49:11.589Z","updatedAt":"2024-08-02T15:44:48.816Z","image":{"id":3818,"name":"1516783636494.jpg","alternativeText":null,"caption":null,"width":398,"height":398,"formats":null,"hash":"1516783636494_044f8d6d39","ext":".jpg","mime":"image/jpeg","size":20.2,"url":"/thought-leadership/institute-business-value/uploads/en/1516783636494_044f8d6d39","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2021-09-10T02:52:57.750Z","updatedAt":"2021-09-10T02:52:57.959Z"}},{"id":866,"name":"Timothy Paydos","email":"tpaydos@us.ibm.com","twitter":"https://twitter.com/timpaydos","facebook":"","linkedin":"https://www.linkedin.com/in/tim-paydos-857197/","featured":false,"priority":0,"title":"Vice President and General Manager, Government Industry Global Sales, IBM","image_alt":"Tim Paydos","place_of_employment":"","bio":"","createdAt":"2020-11-27T10:37:07.256Z","updatedAt":"2023-07-06T10:40:36.782Z","image":{"id":7738,"name":"paydos-hs.jpg","alternativeText":null,"caption":null,"width":508,"height":508,"formats":null,"hash":"paydos_hs_de88bb2e89","ext":".jpg","mime":"image/jpeg","size":22.39,"url":"/thought-leadership/institute-business-value/uploads/en/paydos_hs_de88bb2e89","previewUrl":null,"provider":"ibv-cos","provider_metadata":null,"createdAt":"2022-07-12T03:38:31.326Z","updatedAt":"2022-07-12T03:38:31.470Z"}},{"id":814,"name":"Mike Stone","email":"mike.stone@ibm.com","twitter":"","facebook":"","linkedin":"https://www.linkedin.com/in/mikestone1/","featured":false,"priority":0,"title":"Global Managing Director, Public Sector, Healthcare and Life Sciences, IBM","image_alt":"Mike Stone","place_of_employment":"","bio":"","createdAt":"2021-08-14T00:54:19.354Z","updatedAt":"2023-07-06T10:40:36.782Z","image":{"id":3454,"name":"1516231181036.jpg","alternativeText":null,"caption":null,"width":450,"height":450,"formats":null,"hash":"1516231181036_634fc3d0c0","ext":".jpg","mime":"image/jpeg","size":27.83,"url":"/thought-leadership/institute-business-value/uploads/en/1516231181036_634fc3d0c0","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2021-09-10T02:53:58.196Z","updatedAt":"2021-09-10T02:53:58.442Z"}}],"image":{"id":7490,"name":"datafabric_ls_b213abb15f.webp","alternativeText":null,"caption":null,"width":4167,"height":1043,"formats":null,"hash":"datafabric_ls_b213abb15f_2b5de4e106","ext":".webp","mime":"image/webp","size":234.26,"url":"/thought-leadership/institute-business-value/uploads/en/datafabric_ls_b213abb15f_2b5de4e106","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:21:21.456Z","updatedAt":"2022-03-06T10:21:21.606Z"},"thumbnail":{"id":7208,"name":"blog_986_tn_03f9c724bc.webp","alternativeText":null,"caption":null,"width":1518,"height":746,"formats":null,"hash":"blog_986_tn_03f9c724bc_b14908ad4d","ext":".webp","mime":"image/webp","size":120.86,"url":"/thought-leadership/institute-business-value/uploads/en/blog_986_tn_03f9c724bc_b14908ad4d","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:21:11.810Z","updatedAt":"2022-03-06T10:21:12.027Z"},"mlinks":null,"assets":[]},{"id":72,"slug":"healthcare-mapping-sustainable-future","title":"Healthcare beyond the pandemic: Mapping a sustainable future","subtitle":"","date":"2021-09-10T12:00:00.000Z","blurb":"As the COVID-19 pandemic has marched relentlessly across the globe over the past 18 months, both the healthcare and life sciences sectors have faced a crisis of proportions never before seen.\n","content":"\u003cp\u003eAs the COVID-19 pandemic has marched relentlessly across the globe over the past 18 months, both the healthcare and life sciences sectors have faced a crisis of proportions never before seen. From doctors and nurses in intensive care units caring for the sickest of the sick to scientists in laboratories looking for a seemingly elusive cure for this deadly disease, healthcare systems have been stretched beyond our imaginations.\u003c/p\u003e\n\n\u003cp\u003eAnd the challenges\u003cstrong\u003e \u003c/strong\u003ewe have faced are certainly not over yet. In May 2020, we predicted the pandemic\u0026rsquo;s footprint would stretch across \u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/blog/covid-19-healthcare-ireland\" target=\"_blank\"\u003e4 waves\u003c/a\u003e, starting with the initial morbidity and mortality, then progressing to a backlog of delayed treatment for patients with urgent and chronic conditions. We also considered the psychological impact on society, including burnout of healthcare staff.\u003c/p\u003e\n\n\u003cp\u003eWhat we did not factor in at that point was the eruption of multiple variants of the virus. Nor did we understand the \u003ca href=\"https://www.nature.com/articles/s41598-021-95565-8?fbclid=IwAR2hUY71w1mH8P93_MfbfghxuuG2wfttA9k4uGmYTZPX0MBeSN4XSKY_HqI\" target=\"_blank\"\u003elasting impact of COVID\u003c/a\u003e, with 80% of patients developing 1 or more long-term symptoms. And the extent of vaccine hesitancy was certainly beyond the comprehension of those of us working in healthcare.\u003c/p\u003e\n\n\u003cp\u003eAs we take tentative steps out of this pandemic, it\u0026rsquo;s important to reflect on what has worked well and can be used in the future. As identified in a recent IBM Institute for Business Value (IBV) \u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/blog/covid-19-governments-emerge\" target=\"_blank\"\u003eblog\u003c/a\u003e post, the core requirements for governments to transform and emerge stronger and more resilient\u0026mdash;rapid innovation and agility, trust and transparency, security, and talent and transformation\u0026mdash;are equally applicable to rebuilding the healthcare and life sciences sectors.\u003c/p\u003e\n\n\u003cp\u003eBuilding on those criteria, we believe there are 6 ways to help create a stronger, more resilient healthcare system:\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003e1. Balance rapid innovation with a highly regulated framework\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eEarly in the pandemic, finding a \u003ca href=\"https://www.nature.com/articles/d41586-020-02416-z\" target=\"_blank\"\u003ecure for COVID-19\u003c/a\u003e was critical. Closer collaboration among academia, life sciences organizations, hospitals, payers, tech companies, and regulatory bodies resulted in a more streamlined innovation process. The lessons learned now need to be applied to the delivery of effective treatments in the future. For example, the design of clinical trials could be improved by using digital technology such as AI to analyze patterns across previous trials along with real-world data.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003e2. Build platforms supporting an ecosystem of healthcare partners\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eIf we just digitize existing processes as a result of the pandemic, we will have missed a once-in-a-lifetime opportunity. Future \u003ca href=\"https://www.ibm.com/downloads/cas/5YAM9A6D\" target=\"_blank\"\u003eservice design and delivery\u003c/a\u003e requires reimagining healthcare\u0026mdash;making it more personal, collaborative, and integrated with and enabled by digital capabilities such as AI and cloud, in addition to other emerging technologies. We need design-driven technology, not technology-driven design.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003e3. Place the consumer at the heart of the healthcare ecosystem\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eProtecting individuals, particularly the old and vulnerable, from catching and spreading the virus has been a key objective for healthcare and governments. The industry quickly assembled apps to conduct \u003ca href=\"https://www.ibm.com/watson/health/resources/smart-assisted-contact-tracing/\" target=\"_blank\"\u003econtact tracing\u003c/a\u003e and \u003ca href=\"https://www.ibm.com/products/digital-health-pass\" target=\"_blank\"\u003ekeep individuals safe while also opening up society and allowing a level of freedom\u003c/a\u003e. For life after COVID, these chat and speech interfaces can be repurposed to triage individuals\u0026rsquo; health concerns and direct them to the most appropriate healthcare professionals, with potential time, cost, and efficiency savings.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003e4. Reimagine healthcare delivery of the future\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003e\u003ca href=\"https://electronichealthreporter.com/telemedicine-isnt-just-here-to-help-its-here-to-stay/\" target=\"_blank\"\u003eVirtual health services\u003c/a\u003e have been available for many decades, but it took a pandemic for healthcare professionals and patients to recognize the value of telemedicine. As we transition to a new normal, providers must help ensure their virtual infrastructure is robust and secure and fully integrated with other delivery channels. These platforms and services must be designed for all levels of digital literacy.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003e5. Consider wider societal issues in future plans\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eThe pandemic led to the unexpected consequences of \u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/report/mental-health-tech\" target=\"_blank\"\u003emental health\u003c/a\u003e problems and a \u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/report/loneliness\" target=\"_blank\"\u003eloneliness\u003c/a\u003e epidemic amid multiple lockdowns\u0026mdash;societal issues that had a lower priority than COVID treatments. Data and technology can be used to democratize access to virtual services, helping to reduce stigma, enhance engagement and continuity with treatments, and improve long-term outcomes.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003e6. Make security a top priority\u003c/strong\u003e\u003cstrong\u003e \u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eDevices connected to cloud apps run the risk of exposing health networks to malware and other threats. With the growth of virtual consultations during the pandemic, keeping sensitive and personal patient records safe has become even more vital. Robust and borderless \u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/report/medical-device-security\" target=\"_blank\"\u003ecybersecurity for healthcare\u003c/a\u003e can both prevent operational disruption and protect patient safety and privacy. Just as the goal of healthcare is wellness and prevention, the goal of cybersecurity is resilience and avoidance.\u003c/p\u003e\n\n\u003cp\u003eFinally, we believe the following 4 key actions can help build the healthcare ecosystem of the future:\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003e1. Predict\u003c/strong\u003e outcomes by optimizing data understanding. Scientists working on COVID-19 mined data and used modeling and simulation techniques to predict the impact of variants on disease progression and the vaccine programs.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003e2. Automate \u003c/strong\u003eprocesses using AI technology. With long waiting times for in-person triage of COVID symptoms, \u003ca href=\"https://newsroom.ibm.com/2020-04-02-IBM-Offers-Watson-Assistant-for-Citizens-to-Provide-Responses-to-COVID-19-Questions\" target=\"_blank\"\u003ethe assistance of a virtual agent\u003c/a\u003e helped bolster the reliability and resilience of health services.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003e3. Secure\u003c/strong\u003e and \u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/report/medical-device-security\" target=\"_blank\"\u003eprotect patient and operational data\u003c/a\u003e from cyber and physical threats\u0026mdash;and keep healthcare and life sciences organizations running smoothly.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003e4. Modernize\u003c/strong\u003e healthcare operations and supply chains through real-time, flexible access, helping to future-proof businesses.\u003c/p\u003e\n\n\u003cp\u003eTo find out more about how IBM is helping to build stronger, more resilient healthcare ecosystems, please contact me, Patty Carrolo, at \u003ca href=\"mailto:carrolo@us.ibm.com\"\u003ecarrolo@us.ibm.com\u003c/a\u003e.\u003c/p\u003e\n","approved":true,"image_alt":"Healthcare beyond the pandemic: Mapping a sustainable future","thumbnail_alt":"Healthcare beyond the pandemic: Mapping a sustainable future","hideRelatedBlogs":false,"createdAt":"2021-09-09T23:37:47.919Z","updatedAt":"2022-03-06T10:21:21.307Z","author":[{"id":735,"name":"Patty Carrolo","email":"carrolo@us.ibm.com","twitter":"","facebook":"","linkedin":"https://www.linkedin.com/in/patricia-martone-carrolo-6566b987","featured":false,"priority":0,"title":"General Manager, IBM Global Healthcare and Life Sciences","image_alt":"","place_of_employment":"","bio":"","createdAt":"2021-09-10T00:06:24.879Z","updatedAt":"2021-09-10T23:38:13.466Z","image":null}],"image":{"id":7385,"name":"blog_984_ls_0f52c73a3b.webp","alternativeText":null,"caption":null,"width":2000,"height":500,"formats":null,"hash":"blog_984_ls_0f52c73a3b_a45c15d22a","ext":".webp","mime":"image/webp","size":45.43,"url":"/thought-leadership/institute-business-value/uploads/en/blog_984_ls_0f52c73a3b_a45c15d22a","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:21:21.007Z","updatedAt":"2022-03-06T10:21:21.186Z"},"thumbnail":{"id":6983,"name":"blog_984_tn_382b4480bb.webp","alternativeText":null,"caption":null,"width":728,"height":358,"formats":null,"hash":"blog_984_tn_382b4480bb_72c4e947a4","ext":".webp","mime":"image/webp","size":21.51,"url":"/thought-leadership/institute-business-value/uploads/en/blog_984_tn_382b4480bb_72c4e947a4","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:21:06.258Z","updatedAt":"2022-03-06T10:21:06.325Z"},"mlinks":null,"assets":[]},{"id":88,"slug":"covid-19-governments-emerge","title":"COVID-19’s final phase: How governments can emerge stronger, more resilient","subtitle":"As the pandemic consumes less of their bandwidth going forward, governments must therefore continue to invest and reinvest in emergency preparedness, including the policies, relationships, communication streams, technologies, and physical infrastructure that will expedite future response efforts.","date":"2021-08-16T12:00:00.000Z","blurb":"The deep and lasting changes that the pandemic has created in homes, businesses, and social institutions require new knowledge and skills that many workers—including government workers—need to develop.\n","content":"\u003cp\u003eIn the 19 months since the World Health Organization announced a peculiar coronavirus-related pneumonia in Wuhan, China, COVID-19 has turned families, businesses, and communities upside-down and inside-out. And also governments. From the US to the UK, from France to the Philippines, and from South Korea to South Africa, they were as thrown off-guard as anyone. More so, even. While the rest of us were mere passengers, they were the public-health pilots of an aircraft that had to be designed, engineered, and rebuilt\u0026mdash;all in mid-flight.\u003c/p\u003e\n\n\u003cp\u003eThere was ample turbulence, to be sure. Remarkably, though, government leaders managed to keep the plane aloft through the first two phases of what IBM predicted would be a three-phase pandemic.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eTop challenges: Then and now\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003e\u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/blog/covid-19-government\" target=\"_blank\"\u003ePhase I\u003c/a\u003e was devoted to emergency response and business continuity. Together, IBM and governments collaborated to track the pandemic\u0026rsquo;s spread, to support underprivileged students who suddenly shifted to virtual learning, and to modernize unemployment agencies\u0026rsquo; systems to accommodate surging requests for citizen benefits.\u0026nbsp;\u0026nbsp;\u003c/p\u003e\n\n\u003cp\u003e\u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/blog/covid-19-government-rebuild-recover\" target=\"_blank\"\u003ePhase II\u003c/a\u003e was all about recovering and rebuilding. Again, IBM teamed up with its government partners to tackle mission-critical problems like contact tracing, return-to-workplace, and exposure notification.\u003c/p\u003e\n\n\u003cp\u003eNow, most of the world finds itself waist-deep in \u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/blog/covid-19-government-response\" target=\"_blank\"\u003ePhase III\u003c/a\u003e, during which governments must build strength and resilience in order to emerge from the pandemic more ready for the next global crisis than they were the last. But that\u0026rsquo;s easier said than done. Before they can graduate from near-term reaction to long-term resilience, governments of all sizes and types must contend with at least four grand challenges that the pandemic has exposed like open wounds that need swift dressing:\u003c/p\u003e\n\n\u003cul\u003e\n\t\u003cli\u003e\u003cstrong\u003eExploding demand for\u0026mdash;and a near breakdown of\u0026mdash;services. \u003c/strong\u003eThe public health implications of the pandemic and their economic consequences made citizens around the world more dependent than ever on governments for critical information and services. In March 2020, for example, Australia\u0026rsquo;s federal human services department, Services Australia, directed citizens to file claims for welfare payments online. When nearly 100,000 people tried to access it simultaneously just after 9 a.m., however, the government\u0026rsquo;s MyGov website \u003ca href=\"https://www.theguardian.com/australia-news/2020/mar/23/queues-at-centrelink-offices-and-mygov-website-crashes-ahead-of-coronavirus-shutdowns\" target=\"_blank\"\u003ecrashed\u003c/a\u003e. In the US, 26 state unemployment websites likewise had \u003ca href=\"https://itif.org/publications/2020/04/15/most-state-unemployment-websites-fail-mobile-and-accessibility-tests\" target=\"_blank\"\u003ecrashed\u003c/a\u003e by April 15, 2020.\u003c/li\u003e\n\t\u003cli\u003e\u003cstrong\u003eA shift in fiscal priorities.\u003c/strong\u003e Exploding demand for support and services during the pandemic forced governments to pivot from fiscal austerity, such as reducing spending to make government more efficient, to citizen stewardship, such as increasing spending to make government more effective. In fact, governments around the world collectively added nearly \u003ca href=\"https://www.bloomberg.com/graphics/2021-coronavirus-global-debt/\" target=\"_blank\"\u003e$20 trillion\u003c/a\u003e to the global debt load in 2020 alone. And it will not be long before a shift back to reduced spending and debt recovery begins to emerge.\u003c/li\u003e\n\t\u003cli\u003e\u003cstrong\u003eAn adapting workforce. \u003c/strong\u003eIt\u0026rsquo;s no secret that the pandemic changed how people work. But remote working is only one chapter in a bigger story. The deep and lasting changes that the pandemic has created in homes, businesses, and social institutions require new knowledge and skills that many workers\u0026mdash;including government workers\u0026mdash;need to develop. In fact, a recent global survey of more than 10,000 employees by the IBM Institute of Business Value found that 80% of them had to learn new ways of working during the pandemic, and three out of four had to learn new technologies. Meanwhile, the World Economic Forum says that 40% of current workers\u0026rsquo; core skills will change within the next five years, and that half of all workers will have to be \u003ca href=\"https://www.weforum.org/reports/the-future-of-jobs-report-2020/digest\" target=\"_blank\"\u003ereskilled\u003c/a\u003e by 2025.\u003c/li\u003e\n\u003c/ul\u003e\n\n\u003cblockquote\u003e\n\u003cp\u003eThe deep and lasting changes that the pandemic has created in homes, businesses, and social institutions require new knowledge and skills that many workers\u0026mdash;including government workers\u0026mdash;need to develop.\u003c/p\u003e\n\u003c/blockquote\u003e\n\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\n\n\u003cul\u003e\n\t\u003cli\u003e\u003cstrong\u003eEroding trust in government.\u003c/strong\u003e The pandemic has required the public sector not only to provide more and better services, but to do so in a way that keeps economies afloat, protects national security, preserves personal liberty, and improves equity across the population. In that context, trust in government has become a defining challenge for governments. And so far, they\u0026rsquo;re failing at it: Only 41% of people say they \u003ca href=\"https://www.edelman.com/sites/g/files/aatuss191/files/2021-01/2021-edelman-trust-barometer.pdf\" target=\"_blank\"\u003etrust\u003c/a\u003e government leaders to do what is right.\u003c/li\u003e\n\u003c/ul\u003e\n\n\u003cp\u003e\u003cstrong\u003eCore themes to transform government\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eThese are big challenges. And big challenges demand big solutions. As we reflect on the many lessons learned during Phases I and II of the pandemic, we can distill this new knowledge into 4 core themes that will be fundamental to transformation of government in Phase III.\u003c/p\u003e\n\n\u003cul\u003e\n\t\u003cli\u003e\u003cstrong\u003eRapid innovation and agility\u003c/strong\u003e \u0026ndash; Many governments, even those caught off-guard by the pandemic, quickly shifted to rapid innovation and modernization.\u003c/li\u003e\n\t\u003cli\u003e\u003cstrong\u003eTrust and transparency\u003c/strong\u003e \u0026ndash; Providing essential services and averting economic collapse are further complicated by demands from citizens for protection, personal liberty, and equity.\u003c/li\u003e\n\t\u003cli\u003e\u003cstrong\u003eSecurity\u003c/strong\u003e \u0026ndash; The stress of the pandemic exposed existing gaps in security infrastructure and created new ones.\u003c/li\u003e\n\t\u003cli\u003e\u003cstrong\u003eTalent and transformation\u003c/strong\u003e \u0026ndash; The workers of today need to become the workers of tomorrow by learning the new skills and technologies that will become ubiquitous among government workforces.\u003c/li\u003e\n\u003c/ul\u003e\n\n\u003cp\u003eAgainst the backdrop of the grand challenges facing governments today, informed by lessons learned during the pandemic, these four underpin the highest priorities for governments as they continue the fight against Covid. We believe that there are seven implications government leaders need to consider to emerge from Phase III with strength and resilience.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eBecoming stronger and improving resilience\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003e1. Renew investment in emergency preparedness.\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eCOVID-19 may be a once-in-a-century pandemic, but emergencies of its size and scale are not once-in-a-century events. Given the myriad threats confronting governments in the 21st century\u0026mdash;everything from cybersecurity to climate change, for example\u0026mdash;local, national, regional, and global disruptions are a near certainty. As the pandemic consumes less of their bandwidth going forward, governments must therefore continue to invest and reinvest in emergency preparedness, including the policies, relationships, communication streams, technologies, and physical infrastructure that will expedite future response efforts.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003e2. Balance faster innovation with stronger governance, control, and cost takeout.\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eAn oft-cited \u0026ldquo;silver lining\u0026rdquo; of the pandemic is that it forced governments to innovate and modernize at breakneck speeds. Governments that are used to moving slowly learned that they\u0026rsquo;re quite capable of moving quickly. Unfortunately, they sometimes embraced speed at the expense of other critical priorities, like security.\u003cbr /\u003e\n\u003cbr /\u003e\nGoing forward, governments must learn how to maintain a rapid pace of innovation while also exercising strict governance and controls that allow them to be good stewards of data and dollars\u0026mdash;for example, by moving to a hybrid cloud approach that facilitates DevSecOps in a way that marries innovation with control and governance. And considering the need to pay down the debt accumulated throughout the pandemic, avoiding shortsighted decisions to cut or constrain digital programs will not only deliver greater citizen engagement, but also deliver cost savings in the mid- to long-term.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003e3. Accelerate modernization of supply chains for control, integrity, and dynamic agility.\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eFrom shortages in consumer products, to the price of commodities, to insufficient access to N95 masks and ventilators, the pandemic exposed the fragility and interdependence of global supply chains. The public and private sectors must collaborate to modernize and regionalize supply chains in ways that make them more agile, adaptive, and resilient. In addition, governments need to design with a focus on supply chain integrity.\u003cbr /\u003e\n\u003cbr /\u003e\nThe pandemic exposed just how dependent organizations were to singular sources of supply. Essentially, governments and private sector organizations alike are now rightly seeking to diversify their supply chains. But in the case of governments, they also need to consider industrial strategies to protect sovereign needs.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003e4. Reimagine citizen engagement models and supporting government operations.\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eEven before the pandemic, consumers were pampered with unprecedented levels of convenience. From online shopping and streaming media to ridesharing and mobile banking, they\u0026rsquo;ve gotten used to getting what they want, when they want it, and with a frictionless customer experience. That became especially apparent during the pandemic, when quarantined consumers became even more reliant on convenience, \u0026nbsp;thanks to services like food delivery and telehealth.\u003c/p\u003e\n\n\u003cblockquote\u003e\n\u003cp\u003eUnfortunately, people did not encounter the same convenience when they were transacting with governments as citizens as when they were transacting with private companies as consumers.\u0026nbsp;\u003c/p\u003e\n\u003c/blockquote\u003e\n\n\u003cp\u003eBig steps forward have been taken, but much more can be done. And through this, governments will have an opportunity to become more efficient, more effective, and even more trusted.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003e5. Build a robust analytic foundation for increasing situational awareness, predicting potential policy impacts, and providing transparency.\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eThe actions required to respond and recover from the pandemic underscore the importance of both quantity and quality of data. To gain visibility into both problems and solutions, the public sector needs strong systems and governance, both to capture and organize information for situational awareness, and to turn it into actionable, shareable intelligence that can inform decision making at all levels of government. More than that, though, it needs to commit to data integrity and data transparency as a means of rebuilding citizen confidence and trust in government.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003e6. Amplify the security imperative.\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eGovernment modernization during the COVID-19 pandemic has yielded essential new systems and services. The speed at which governments stood them up, however, means security in some cases might have been overlooked, ignored, or abridged.\u003cbr /\u003e\n\u003cbr /\u003e\nAs a result, government infrastructure has become a vulnerable and attractive target for cyberattacks. The lesson is clear: Governments can no longer afford to treat security as an afterthought and must bake it into new services and systems from their inception\u0026mdash;preferably with a \u0026ldquo;\u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/report/zero-trust-security\" target=\"_blank\"\u003ezero trust\u003c/a\u003e\u0026rdquo; posture .\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003e7. Upskill and reskill the workforce through adaptive learning programs.\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eMany governments that began the pandemic in an analog world are poised to emerge from it in a digital world. Just because their technology has evolved, however, doesn\u0026rsquo;t mean their workforce has done the same. In government agencies where it hasn\u0026rsquo;t, legacy employees can be just as handicapping as legacy systems. To bridge the gap, governments must invest in public servants by giving them the knowledge and skills they need to be effective in a post-COVID world. Adaptive learning that uses artificial intelligence (AI) to tailor training and education to individual workers is one tool that can help them do so.\u003c/p\u003e\n\n\u003cp\u003eTo be successful, we believe governments should approach these seven objectives from the vantage point of four architectural touchstones:\u003c/p\u003e\n\n\u003cul\u003e\n\t\u003cli\u003e\u003cstrong\u003ePredict \u003c/strong\u003eoutcomes;\u003c/li\u003e\n\t\u003cli\u003e\u003cstrong\u003eAutomate \u003c/strong\u003eat scale;\u003c/li\u003e\n\t\u003cli\u003e\u003cstrong\u003eSecure \u003c/strong\u003eeverything; and\u003c/li\u003e\n\t\u003cli\u003e\u003cstrong\u003eModernize \u003c/strong\u003ewith ease.\u003c/li\u003e\n\u003c/ul\u003e\n\n\u003cp\u003eHow does this look in practice? Consider, for example, supply chain modernization. Healthcare providers and governments need to collaborate with manufacturers of ventilators, for instance, to mine for data, model and simulate\u0026mdash;and, ultimately, \u003cem\u003epredict\u003c/em\u003e\u0026mdash;the impacts of potential changes and future scenarios. Next, they need to \u003cem\u003eautomate\u003c/em\u003e response processes with AI-assisted workflows to achieve increased reliability and resilience, build in \u003cem\u003esecurity\u003c/em\u003e to protect it from physical and cyber threats, and \u003cem\u003emodernize\u003c/em\u003e industrial operations and policies to support automation and sovereignty.\u003c/p\u003e\n\n\u003cp\u003eWhether they produce ventilators or citizen services, businesses and governments alike should embrace the challenges and opportunities before them with exactly this type of framework. If they do, they\u0026rsquo;ll be positioned to\u0026nbsp; emerge from COVID-19 stronger and more resilient than they were before it.\u003c/p\u003e\n\n\u003cp\u003eI encourage you to \u003ca href=\"https://www.linkedin.com/in/mikestone1/\" target=\"_blank\"\u003econtact me\u003c/a\u003e directly to learn more. Although we can\u0026rsquo;t predict the future any more than we could predict the last 19 months, together we can forge a path forward that is prosperous, productive, and more secure for all of us.\u003c/p\u003e\n\n\u003chr /\u003e","approved":true,"image_alt":"","thumbnail_alt":null,"hideRelatedBlogs":false,"createdAt":"2021-08-13T23:35:34.534Z","updatedAt":"2022-03-06T10:21:16.920Z","author":[{"id":814,"name":"Mike Stone","email":"mike.stone@ibm.com","twitter":"","facebook":"","linkedin":"https://www.linkedin.com/in/mikestone1/","featured":false,"priority":0,"title":"Global Managing Director, Public Sector, Healthcare and Life Sciences, IBM","image_alt":"Mike Stone","place_of_employment":"","bio":"","createdAt":"2021-08-14T00:54:19.354Z","updatedAt":"2023-07-06T10:40:36.782Z","image":{"id":3454,"name":"1516231181036.jpg","alternativeText":null,"caption":null,"width":450,"height":450,"formats":null,"hash":"1516231181036_634fc3d0c0","ext":".jpg","mime":"image/jpeg","size":27.83,"url":"/thought-leadership/institute-business-value/uploads/en/1516231181036_634fc3d0c0","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2021-09-10T02:53:58.196Z","updatedAt":"2021-09-10T02:53:58.442Z"}}],"image":{"id":7447,"name":"government_blog2_fd3e7c6878.webp","alternativeText":null,"caption":null,"width":2000,"height":500,"formats":null,"hash":"government_blog2_fd3e7c6878_fed69400e1","ext":".webp","mime":"image/webp","size":34.16,"url":"/thought-leadership/institute-business-value/uploads/en/government_blog2_fd3e7c6878_fed69400e1","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:21:16.752Z","updatedAt":"2022-03-06T10:21:16.865Z"},"thumbnail":{"id":6990,"name":"government_blog2_tn_d6170e80e9.webp","alternativeText":null,"caption":null,"width":729,"height":359,"formats":null,"hash":"government_blog2_tn_d6170e80e9_14b5835730","ext":".webp","mime":"image/webp","size":16.45,"url":"/thought-leadership/institute-business-value/uploads/en/government_blog2_tn_d6170e80e9_14b5835730","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:21:03.181Z","updatedAt":"2022-03-06T10:21:03.369Z"},"mlinks":null,"assets":[]},{"id":84,"slug":"ai-automation-intelligent-workflows-insurance","title":"The case for AI, automation, and intelligent workflows in insurance","subtitle":"","date":"2021-07-14T12:00:00.000Z","blurb":"Intelligent workflows reorchestrate the flow of work using data, AI, intelligent automation and other technologies. They can help insurers realize continual gains in efficiency and effectiveness.\n","content":"\u003cp\u003eAs automation and data collection turn company processes into streamlined and efficient workflows, many insurers are being forced out of their comfort zones to survive. Typically, insurers are slow to make substantial changes to how they operate, yet their value propositions continually evolve as access to data increases. They continue to focus on \u0026quot;near-term\u0026quot; cost reductions to impact current earnings while driving growth and improving customer retention with longer-term projects.\u003c/p\u003e\n\n\u003cp\u003eIn the report \u0026ldquo;\u003ca href=\"https://www.ibm.com/downloads/cas/8ZOKKO9X\" target=\"_blank\"\u003eInsurance breaks the mold: The case for AI, automation, and intelligent workflows\u003c/a\u003e,\u0026rdquo; we examine three themes that are currently taking hold:\u003c/p\u003e\n\n\u003cul\u003e\n\t\u003cli\u003eInsurers may be slow-moving, but swift to employ innovation\u003c/li\u003e\n\t\u003cli\u003eIntegrating data changes everything\u003c/li\u003e\n\t\u003cli\u003eCreating a better insurance experience becomes essential\u003c/li\u003e\n\u003c/ul\u003e\n\n\u003cp\u003eIntelligent workflows based on next-generation automation and exponential technologies can be the basis for the insurance operations of the future. They represent an actionable way to integrate change using a value-based approach as the \u0026quot;big idea\u0026quot; connecting processes and data across functional towers. When optimized by the right tooling and technology platforms, the company incorporating these workflows builds value.\u003c/p\u003e\n\n\u003cp\u003e\u003cimg alt=\"The cognitive enterprise requires embedding intelligence into workflows.\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/o_Yvs6xeienut_Vn_EP_3_Tl_Qv5_C_701d8b33bb\" style=\"height:394px; width:700px\" /\u003e\u003c/p\u003e\n\n\u003cp\u003eThe following actions can establish a target state that helps shorten the time to process core insurance work and expedite the transition to enterprise digitization:\u003c/p\u003e\n\n\u003cul\u003e\n\t\u003cli\u003eDefine a strategy that promotes change based on how processes are actually performed, a.k.a. \u0026quot;process mining.\u0026quot;\u003c/li\u003e\n\t\u003cli\u003eInvest in a pro-automation mindset shift, engaging across the organization and ecosystem of partners.\u003c/li\u003e\n\t\u003cli\u003eUtilize a flexible architecture that can adapt to real-time events.\u003c/li\u003e\n\t\u003cli\u003eHave a plan to reskill talent while discovering and enhancing skill sets to work with machines eventually.\u003c/li\u003e\n\t\u003cli\u003eBreak the big vision into logical, value-based steps driven by intelligent workflows.\u003c/li\u003e\n\t\u003cli\u003eThink of data as a commodity, basing risk assessments on rich data profiles.\u003c/li\u003e\n\t\u003cli\u003eCollect data as broadly as possible, whether from third-party data-collection firms, social media, industry intelligence, or other sources.\u003c/li\u003e\n\t\u003cli\u003eAt the same time, be transparent with customers about your use of their data; earn trust with openness and convenience.\u003c/li\u003e\n\u003c/ul\u003e\n\n\u003cp\u003eTo also learn more about Intelligent workflows in general, download the IBV Study \u0026quot;\u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/report/automation-workflows\" target=\"_blank\"\u003eAutomation and the future of work.\u003c/a\u003e\u0026quot;\u003c/p\u003e\n","approved":true,"image_alt":"The case for AI, automation, and intelligent workflows in insurance","thumbnail_alt":"The case for AI, automation, and intelligent workflows in insurance","hideRelatedBlogs":false,"createdAt":"2021-07-12T22:36:55.848Z","updatedAt":"2022-03-06T10:21:08.421Z","author":[{"id":799,"name":"Mark Carter","email":"mwcarter@us.ibm.com","twitter":"","facebook":"","linkedin":"http://www.linkedin.com/in/markwcarter","featured":false,"priority":0,"title":"Manager Business Innovation, IBM Global Insurance Industry","image_alt":"","place_of_employment":"","bio":"","createdAt":"2021-07-12T23:25:18.064Z","updatedAt":"2021-07-14T20:32:25.958Z","image":null},{"id":855,"name":"Ava Hakim","email":"hakimava@us.ibm.com","twitter":"","facebook":"","linkedin":"https://www.linkedin.com/in/ava-hakim","featured":false,"priority":0,"title":"Associate Partner, IBM Consulting","image_alt":"","place_of_employment":"","bio":"","createdAt":"2021-07-12T23:36:05.828Z","updatedAt":"2021-07-14T20:32:25.958Z","image":null},{"id":765,"name":"Jeffrey Zych","email":"Jeff.zych@us.ibm.com","twitter":"","facebook":"","linkedin":"https://www.linkedin.com/in/jeffzych1","featured":false,"priority":0,"title":"Partner, IBM Consulting, IBM Global Insurance Industry","image_alt":"","place_of_employment":"","bio":"","createdAt":"2021-07-12T23:37:54.888Z","updatedAt":"2021-07-14T20:32:25.958Z","image":null}],"image":{"id":6355,"name":"ai_insurance_blog_ls_689af8bffd.webp","alternativeText":null,"caption":null,"width":2000,"height":500,"formats":null,"hash":"ai_insurance_blog_ls_689af8bffd_2efa5de1a4","ext":".webp","mime":"image/webp","size":48.97,"url":"/thought-leadership/institute-business-value/uploads/en/ai_insurance_blog_ls_689af8bffd_2efa5de1a4","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:21:08.094Z","updatedAt":"2022-03-06T10:21:08.394Z"},"thumbnail":{"id":6922,"name":"ai_insurance_blog_tn_46e5e65b1e.webp","alternativeText":null,"caption":null,"width":729,"height":359,"formats":null,"hash":"ai_insurance_blog_tn_46e5e65b1e_44ae8b1de5","ext":".webp","mime":"image/webp","size":17.78,"url":"/thought-leadership/institute-business-value/uploads/en/ai_insurance_blog_tn_46e5e65b1e_44ae8b1de5","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:20:56.092Z","updatedAt":"2022-03-06T10:20:56.151Z"},"mlinks":null,"assets":[]},{"id":70,"slug":"accelerated-digital-adaptation-banking-blog","title":"Accelerated digital adaptation in banking","subtitle":"","date":"2021-05-18T12:00:00.000Z","blurb":"Accelerated digital adaptation is capturing a top spot on the joint agenda for business and IT.\n","content":"\u003cp\u003eAt the beginning of the year, I was invited by the IBM Institute for Business Value (IBV) to join 44 IBM global experts\u0026mdash;members of IBM\u0026rsquo;s Industry Academy and Academy of Technology\u0026mdash;to reflect on key trends driving investments and actions in 2021. We expect the following 8 trends to drive investment and push banking and financial markets leaders to move toward new cloud-based business architectures:\u003c/p\u003e\n\n\u003cul\u003e\n\t\u003cli\u003e\u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/blog/muted-financial-performance-banking-financial-markets\" target=\"_blank\"\u003eMuted financial performance\u003c/a\u003e\u003c/li\u003e\n\t\u003cli\u003e\u003cstrong\u003eAccelerated digital adaptation\u003c/strong\u003e\u003c/li\u003e\n\t\u003cli\u003e\u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/blog/cloud-based-business-architectures\" target=\"_blank\"\u003eNew cloud-based business architectures\u003c/a\u003e\u003c/li\u003e\n\t\u003cli\u003e\u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/blog/escalating-competition-banking-financial-markets\" target=\"_blank\"\u003eEscalating competition\u003c/a\u003e\u003c/li\u003e\n\t\u003cli\u003e\u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/blog/operational-resilience-banking-financial-markets\" target=\"_blank\"\u003eOperational resilience challenge\u003c/a\u003e\u003ca href=\"http://www.ibm.com/thought-leadership/institute-business-value/blog/operational-resilience-banking-financial-markets\" target=\"_blank\"\u003es\u003c/a\u003e\u003c/li\u003e\n\t\u003cli\u003e\u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/blog/banking-financial-markets-data\" target=\"_blank\"\u003eIncreasing open and free data\u003c/a\u003e\u003c/li\u003e\n\t\u003cli\u003e\u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/blog/security-fraud-risks-banking-financial-markets\" target=\"_blank\"\u003eSecurity and fraud risks\u003c/a\u003e\u003c/li\u003e\n\t\u003cli\u003e\u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/blog/new-ways-of-working-banking-financial-markets\" target=\"_blank\"\u003eNew ways of working\u003c/a\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\n\u003cp\u003eLet\u0026rsquo;s explore why \u003cstrong\u003eaccelerated digital adaptation \u003c/strong\u003eis capturing a top spot on the joint agenda for business and IT.\u003c/p\u003e\n\n\u003cp\u003eIn 2020, \u003cstrong\u003egovernment-mandated actions\u003c/strong\u003e in response to the pandemic required financial institutions to temporarily close many of their branches, operations offices, facilities, and call centers. Clients, employees, vendors, and other partners had to adapt to new ways to continue interacting.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eClients quickly adapted\u003c/strong\u003e to\u003cstrong\u003e \u003c/strong\u003edigital channels, including web, mobile, and call centers. In the first months of the lockdown, some financial institutions reported a 30-40% increase in mobile and web volumes and a 300-400% increase in call center volumes. And it seems that increased digital activity is here to stay. In a recent BAI study, almost 90% of clients who increased their digital usage during the pandemic plan to maintain that use. (See \u0026ldquo;\u003ca href=\"https://www.bai.org/research/bai-banking-outlook/covid19-digital-banking-update/\" target=\"_blank\"\u003eBAI Banking Outlook. COVID-19 Digital Banking Update\u0026rdquo;. Banking Administration Institute\u003c/a\u003e).\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eWorking from anywhere \u0026nbsp;\u0026nbsp;\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eDriven by social distancing and closures of physical locations, employees embraced remote working\u003cstrong\u003e. \u003c/strong\u003eThe financial institutions not only had to deal with the upsurge in transaction volumes in digital channels that far exceeded their existing capacity. They also had to quickly enable their employees and vendor partners to work remotely without compromising security.\u003cstrong\u003e \u003c/strong\u003eA recent IBM study shows 83% of people want to work from home in some capacity after lockdown\u0026rsquo;s end. As working from home gains popularity, it\u0026#39;s also redefining work-life balance. Yet, continued remote working can\u0026rsquo;t be sustained without digitization at virtually every level of an organization, and from front- to back-end. This will require banks to transform their processes, operations, systems, and culture\u0026mdash;all at the same time.\u003c/p\u003e\n\n\u003cp\u003eBanks are simultaneously contending with muted financial performance that\u0026rsquo;s undermining their market evaluations when compared with payment providers and fintech that were capable of keeping and increasing client proximity through the periodic lockdowns. Compare the market capitalization, or private equity evaluation, of the top 500 global banks, payment providers, and fintech unicorns at the end of 2020, and you\u0026rsquo;ll see a clear trend implying a shift in power.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eDownward trend of global banks: A shift in power\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003e\u003cimg alt=\"Downward trend of global banks: A shift in power\" height=\"407\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/fa0acdc183ae473e9ef5f5bac337b075.png\" width=\"750\" /\u003e\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eWhat\u0026rsquo;s different now with digital transformation?\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eFor financial institutions, digital transformation isn\u0026rsquo;t new. They\u0026rsquo;ve been progressively transforming for several years, driven by a host of forces: changing customer expectations, pressures to reduce costs, threats from fintech and the neo-banks, emerging business models (online marketplaces and banking-as-a-service), and innovations enabled by technologies such as cloud, AI, and blockchain. So what\u0026rsquo;s different now?\u003c/p\u003e\n\n\u003cp\u003e3 things:\u003c/p\u003e\n\n\u003cul\u003e\n\t\u003cli\u003eThe pandemic has drastically accelerated the need to change. Banks need to transform \u003cem\u003enow\u003c/em\u003e.\u003c/li\u003e\n\t\u003cli\u003eTransformation must lead to multiple outcomes. These include superior customer experience, higher efficiency, agility, and stability. To achieve these, transformation has to be end-to-end, including front-office, middle-office, and legacy core applications.\u003c/li\u003e\n\t\u003cli\u003eHowever, such programs are typically long-drawn and require a level of investment that is not sustainable unless it is self-funded.\u0026nbsp;\u0026nbsp;\u003c/li\u003e\n\u003c/ul\u003e\n\n\u003cp\u003eTraditional approaches to transformation aren\u0026rsquo;t good enough to overcome the unexpected or unanticipated hurdles that could increasingly characterize a post-pandemic world. New approaches will be needed to mitigate challenges and still stay focused on the big picture.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eGuiding principles for sustainable digital transformation\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eMy experience indicates most banks have either started planning or have already embarked on a transformation journey. Some are looking at commercially available packages for replacing selective functions, some are attempting to refactor them, while a few are re-writing from scratch. In general, most banks are attempting to transform by domains and user journeys. Some are even exploring standing up a new digital bank with the hope that they\u0026rsquo;ll be able to migrate existing customers once it is up and running and the supporting software stack is stable.\u003c/p\u003e\n\n\u003cp\u003eWhile there\u0026rsquo;s no magic bullet for a successful transformation, here are some guiding principles for approaches that work.\u003c/p\u003e\n\n\u003cp\u003eMost banks have initiated multiple discrete projects to respond to specific challenges posed by the pandemic. Banks that adopt a \u003cstrong\u003esustainable transformation\u003c/strong\u003e approach can go beyond tactical responses to the pandemic. IBM recently interviewed Piyush Gupta, CEO of \u003cstrong\u003eDBS Bank\u003c/strong\u003e in Singapore, to discuss how to thrive in a post-pandemic reality. He said, \u0026ldquo;If you can embrace agile setups, experiments, and constantly nurture a learning culture, then you become adaptive and nimble, which means you can respond a lot more quickly to opportunity and changes in the environment.\u0026rdquo; (See IBV report \u003ca href=\"https://w3.ibm.com/services/lighthouse/spotlight/documents/165116?listId=sfkqa\" target=\"_blank\"\u003e\u0026ldquo;Find your essential.\u0026rdquo;\u003c/a\u003e)\u003c/p\u003e\n\n\u003cp\u003eBanks that adopt a \u003cstrong\u003ebusiness outcome-driven transformation\u003c/strong\u003e paradigm can shift from building business cases to justify a technology-driven transformation program to designing transformation programs that deliver business value, based on priorities driven by the business.\u003c/p\u003e\n\n\u003cp\u003eBanks that adopt an \u003cstrong\u003eagile transformation\u003c/strong\u003e approach can do so in waves of discovery and execution. Each wave results in demonstrable business value. In most cases, waves are designed around customer experience journeys.\u003c/p\u003e\n\n\u003cp\u003eBanks must have an\u0026nbsp;\u003cstrong\u003earchitecture vision\u003c/strong\u003e\u0026nbsp;that acts as the North Star.\u0026nbsp;While it is na\u0026iuml;ve to assume that the target-state architecture will remain static, it is important to have a foundation based on principles such as modularity; agility; portability across private and multiple public clouds; interoperability; and an intelligent, secure architecture that remains compliant to the core. Using a \u0026ldquo;design once\u0026rdquo; approach boosts performance with exponential technologies and unlocks business value across the ecosystem platforms.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eTarget state architecture vision\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003e\u003cimg alt=\"Target state architecture vision\" height=\"527\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/ba09329b36864420bafb184e45ca2094.png\" width=\"750\" /\u003e\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eAttempting a transformation to replicate the old business architecture and processes based on new technologies is bound to fail. Good design for transformation liberates businesses to \u003cstrong\u003ere-imagine processes and customer experience.\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eAs banks think about the modernization and migration of back-end applications, many are considering a mixed fit-for-purpose approach of \u003cstrong\u003ebuild, buy, and adapt\u003c/strong\u003e. Build to differentiate. Buy when what\u0026rsquo;s needed is a commodity. Use an adapt-not-adopt approach for third-party applications.\u003c/p\u003e\n\n\u003cp\u003eFor a given domain and customer experience journey, an \u003cstrong\u003eend-to-end\u003c/strong\u003e \u003cstrong\u003etransformation\u003c/strong\u003e delivers the highest benefit. Some banks may be able to wrap around their legacy core applications and expose APIs, but for most, these legacy applications can limit the ability to innovate on product features. Resilience and stability issues in core applications, combined with the erosion of the workforce that knows these applications, and difficulties in attracting new talent to work on these technologies pose operational risks. This has attracted the attention of regulators. Moreover, legacy core systems inhibit the ability to move to the cloud. Lift-and-shift strategies do not work with these hyper-integrated monoliths while maintenance and support of legacy core systems consume a significant portion of the IT budget.\u003c/p\u003e\n\n\u003cp\u003eAt the same time, it\u0026rsquo;s true that core modernization efforts have not been very successful. IBM estimates 70% of the programs fail to deliver the intended outcomes. Combined with the cost of such programs (they could range from hundreds of millions to over a billion dollars in some cases), long duration (5-7 years or more), and long ROIs (often more than 4 years), it\u0026rsquo;s easy to understand the predicament of the CIOs. The approaches listed above help mitigate the risks.\u003c/p\u003e\n\n\u003cp\u003eLast, transformation programs require \u003cstrong\u003estrong\u003c/strong\u003e\u003cstrong\u003e leadership,\u003c/strong\u003e \u003cstrong\u003egovernance, and change management\u003c/strong\u003e. These programs are complex, with far-reaching implications across business and technology. Underestimating the complexity of digital transformation can undermine a bank\u0026rsquo;s success\u0026mdash;but a pragmatic approach can position it for the future and deliver value for customer, employee, and shareholder.\u003c/p\u003e\n\n\u003cp\u003eFor more insights on a practical approach to de-risking your modernization program, I encourage you to download the latest IBV paper \u0026ldquo;\u003ca href=\"https://www.ibm.com/industries/banking-financial-markets/core-banking-digital-transformation\" target=\"_blank\"\u003eDigital transformation in banking\u003c/a\u003e\u003cu\u003e,\u003c/u\u003e\u0026rdquo; take a brief digital maturity evaluation, and see where you stand among your peers on your journey to the cloud.\u003c/p\u003e\n\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\n","approved":true,"image_alt":"","thumbnail_alt":"","hideRelatedBlogs":false,"createdAt":"2021-05-15T04:14:08.062Z","updatedAt":"2022-10-30T04:09:55.960Z","author":[{"id":764,"name":"Sajal Mukherjee","email":"sbmukher@us.ibm.com","twitter":"","facebook":"","linkedin":"https://www.linkedin.com/in/sajal-mukherjee-bfsi/","featured":false,"priority":0,"title":"Partner, Global Digital Banking \u0026 Back-Office Optimization Leader, and IBM Industry Academy member","image_alt":"Sajal Mukherjee","place_of_employment":"","bio":"","createdAt":"2021-05-18T00:46:18.394Z","updatedAt":"2022-10-30T04:09:55.923Z","image":{"id":3318,"name":"hz9lrHOEWTFdBzIqTvp1_XFm","alternativeText":null,"caption":null,"width":null,"height":null,"formats":null,"hash":"1fab365ea0cb4d1192d892f80212075d","ext":".jpg","mime":"image/jpeg","size":3.06,"url":"/thought-leadership/institute-business-value/uploads/en/1fab365ea0cb4d1192d892f80212075d.jpg","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2021-05-18T00:49:38.382Z","updatedAt":"2021-05-18T00:49:38.395Z"}}],"image":{"id":7000,"name":"18c3f064de0040e98d7909eb8b089e38.webp","alternativeText":null,"caption":null,"width":2000,"height":500,"formats":null,"hash":"18c3f064de0040e98d7909eb8b089e38_0957f518f5","ext":".webp","mime":"image/webp","size":74.69,"url":"/thought-leadership/institute-business-value/uploads/en/18c3f064de0040e98d7909eb8b089e38_0957f518f5","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:21:21.028Z","updatedAt":"2022-03-06T10:21:21.282Z"},"thumbnail":{"id":6726,"name":"3d2fade23f17469d89060cf7775e6bc5.webp","alternativeText":null,"caption":null,"width":728,"height":358,"formats":null,"hash":"3d2fade23f17469d89060cf7775e6bc5_13a10ff723","ext":".webp","mime":"image/webp","size":37.19,"url":"/thought-leadership/institute-business-value/uploads/en/3d2fade23f17469d89060cf7775e6bc5_13a10ff723","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:21:05.357Z","updatedAt":"2022-03-06T10:21:05.652Z"},"mlinks":null,"assets":[]},{"id":92,"slug":"new-ways-of-working-banking-financial-markets","title":"New ways of working in banking and financial markets","subtitle":"","date":"2021-05-05T12:00:00.000Z","blurb":"New sources of talent and collaboration models emerge as financial institutions are shifting from the traditional front-office to back-office segmentation, and guide operational transformation to new business architectures.\n","content":"\u003cp\u003eAt the beginning of the year, I was invited by the IBM Institute for Business Value (IBV) to join 44 IBM global experts\u0026mdash;members of the Industry Academy and Academy of Technology\u0026mdash;to reflect on key trends driving investments and actions in 2021. We identified the following eight trends that will likely dominate and push banking and financial markets leaders to move toward new cloud-based business architectures:\u003c/p\u003e\n\n\u003cul\u003e\n\t\u003cli\u003e\u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/blog/muted-financial-performance-banking-financial-markets\" target=\"_blank\"\u003eMuted financial performance\u003c/a\u003e\u003c/li\u003e\n\t\u003cli\u003eAccelerated digital adaptation\u003c/li\u003e\n\t\u003cli\u003e\u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/blog/cloud-based-business-architectures\" target=\"_blank\"\u003eNew cloud-based business architectures\u003c/a\u003e\u003c/li\u003e\n\t\u003cli\u003e\u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/blog/escalating-competition-banking-financial-markets\" target=\"_blank\"\u003eEscalating competition\u003c/a\u003e\u003c/li\u003e\n\t\u003cli\u003e\u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/blog/operational-resilience-banking-financial-markets\" target=\"_blank\"\u003eOperational resilience challenges\u003c/a\u003e\u003c/li\u003e\n\t\u003cli\u003e\u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/blog/banking-financial-markets-data\" target=\"_blank\"\u003eIncreasing open and free data\u003c/a\u003e\u003c/li\u003e\n\t\u003cli\u003e\u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/blog/security-fraud-risks-banking-financial-markets\" target=\"_blank\"\u003eSecurity and fraud risks\u003c/a\u003e\u003c/li\u003e\n\t\u003cli\u003e\u003cstrong\u003eNew ways of working\u003c/strong\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\n\u003cp\u003eLet\u0026rsquo;s explore why new sources of talent and collaboration models emerge as financial institutions are shifting from the traditional front-office to back-office segmentation, and guide operational transformation to new business architectures.\u003c/p\u003e\n\n\u003cdiv class=\"ckeditor-html5-video\" data-responsive=\"true\" style=\"float:left; margin-right:10px; text-align:left\"\u003e\n\u003cvideo controls=\"controls\" poster=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/f3d44a9dfc8042fc9f8eaebe00bd7a07.jpg\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/753778535c3d4b3a92e121444bdc4967.mp4\" style=\"height:auto; max-width:100%\" width=\"750\"\u003e\u0026nbsp;\u003c/video\u003e\n\u003c/div\u003e\n\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eBanking\u003c/strong\u003e is one of the oldest industries and has weathered significant transformations from the great depression to the global financial crisis, and still faces challenging business environments. One thing has remained constant, until now\u003cu\u003e,\u003c/u\u003e the propensity of financial institutions to work from centralized locations and concentrated financial centers. However, this is changing.\u003c/p\u003e\n\n\u003cp\u003eWhen the pandemic hit in 2020, banks were forced to temporarily close physical branch networks, asking customers to use digital channels. At the same time, most bank employees were required to work from home.\u003c/p\u003e\n\n\u003cp\u003eRecently, \u003cem\u003eBusiness Times\u003c/em\u003e \u003ca href=\"https://www.businesstimes.com.sg/banking-finance/banks-eye-permanent-telecommuting-for-some-staff\" target=\"_blank\"\u003eestimated that 70% to 90% of banking staff transitioned to remote working\u003c/a\u003e within days of government lockdowns, paving the way for accelerated use of virtual communication. Banks quickly realized the possibility to enable a remote workforce, while providing better and consistent client experiences through digital channels.\u003c/p\u003e\n\n\u003cp\u003eThe extended network of bank vendors and contractors were also forced to adjust their ways of working. Suppliers offering zero-touch digital solutions had a clear competitive advantage.\u003c/p\u003e\n\n\u003cp\u003eInternal and external digital collaboration quickly became the option for conducting banking business in the short term. Today, long-term sustainability concerns remain, but they can be addressed by a change in business culture, revisiting risk management frameworks, and leveraging exponential technologies.\u003c/p\u003e\n\n\u003cp\u003eThe resilience and adaptability of a traditional workforce and operations have been jointly tested, elevating the chief human resources officer (CHRO) role as an important counterpart to the chief information officer (CIO).\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eEnabling a flexible workforce to collaborate virtually and leverage intelligent workflows\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eThe pandemic put the CHRO in the boardroom spotlight to navigate business uncertainties as \u0026nbsp;\u0026nbsp;employees\u0026rsquo; and clients\u0026rsquo; safety and wellness became mission critical. This renewed focus on how people work and collaborate also intensified the HR realization of the need to engage talent and source the skills required to drive through an accelerated digital adaptation.\u003c/p\u003e\n\n\u003cp\u003eCHROs are pointing to a \u003cstrong\u003enew technology stack\u003c/strong\u003e that enables collaborative models of \u0026ldquo;working from anywhere.\u0026rdquo; Access to centralized artificial intelligence (AI) models without duplication of business-critical datasets can be enabled on secured cloud environments that include digital workers (see, \u003ca href=\"https://www.ibm.com/downloads/cas/6EGOKGNX\" target=\"_blank\"\u003eDigital Workers and the Hybrid Workforce\u003c/a\u003e).\u003c/p\u003e\n\n\u003cp\u003eAs banks get more comfortable with employees working remotely, the requirement for office space and fixed workstations may be significantly reduced. All the benefits of a remote workforce can be achieved, \u0026nbsp;provided new collaborative models are implemented with the adoption of technology in a way that complies with a risk-aware design and delivers a secured experience.\u003c/p\u003e\n\n\u003cp\u003e\u003cimg alt=\"New ways of retaining, hiring and motivating talent\" height=\"415\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/bd48158126724108af483682a0987167.png\" width=\"750\" /\u003e\u003c/p\u003e\n\n\u003cp\u003eBanks are asked to take three strategic actions:\u003c/p\u003e\n\n\u003cul\u003e\n\t\u003cli\u003e\u003cstrong\u003eEnhance value propositions for talent acquisition. \u003c/strong\u003eBanks are competing with Big Tech firms to source a skilled workforce outside of the mainstream (gig workers, part-time workers) without constraints of geography. They need to enhance their value propositions by implementing flexible work and modular compensation schemes. Remote talent acquisition can be supported by AI to be more personal and efficient that transforms candidate experience overall.\u003c/li\u003e\n\u003c/ul\u003e\n\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\n\n\u003cul\u003e\n\t\u003cli\u003e\u003cstrong\u003eBuild virtual venues for talent development\u003c/strong\u003e\u003cstrong\u003e.\u003c/strong\u003e Fast digital adoption of clients\u0026rsquo; and employees\u0026rsquo; expectations expose banks\u0026rsquo; talent gap and calls for rigorous discipline to upskill the workforce and weather business disruption. Flexible learning curriculums ensure that the employees stay engaged and productive.\u003cbr /\u003e\n\t\u003cbr /\u003e\n\tA digital academy is a way to develop talent remotely and recognize achievements. For example, \u003ca href=\"https://www.straitstimes.com/business/banking/dbs-launches-digital-training-institute-to-groom-tech-talent\" target=\"_blank\"\u003eDBS Bank recently launched a digital training institute\u003c/a\u003e to groom tech talent, while \u003ca href=\"https://www.hsbc.com/who-we-are/our-people-and-communities/hsbc-university\" target=\"_blank\"\u003eHSBC announced the launch of a learning experience platforms and talent marketplace\u003c/a\u003e to help transform the digital skills across the organization.\u003cbr /\u003e\n\t\u003cbr /\u003e\n\tIn the \u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/report/ceo\" target=\"_blank\"\u003eIBV 2021 CEO Study, \u0026ldquo;Find your essential,\u003c/a\u003e CEO\u0026rsquo;s in 61% of outperforming organizations noted empowering the remote workforce as their top concern in a post pandemic environment and emphasized industry specific skills 79% more frequently than underperformers.\u003c/li\u003e\n\u003c/ul\u003e\n\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\n\n\u003cul\u003e\n\t\u003cli\u003e\u003cstrong\u003eImplement new ways of collaborating. \u003c/strong\u003eA flexible workforce enabled to perform and learn from anywhere is becoming the norm. Some banks anticipate a \u003ca href=\"https://www.bloombergquint.com/business/deutsche-bank-considering-40-permanent-work-from-home-policy\" target=\"_blank\"\u003eworking from home rate as high as 50%\u003c/a\u003e \u0026nbsp;The key challenge is to transform operating models to fit a hybrid workplace and align with regulatory requirements, employees\u0026rsquo; propensities, and client expectations.\u003cbr /\u003e\n\t\u003cbr /\u003e\n\tUnlocking the value of a hybrid workplace requires focus on a cultural environment that encompasses human development and the transparent enablement of technology. Intelligent workflows make \u003cstrong\u003edigital workers\u003c/strong\u003e an automated reality, boosting efficiency and reliability for reusable services within banking ecosystems. Seamless workforce interactions with AI-augment technology will become commonplace as employees shift their focus to \u003cstrong\u003ehigher-value, customer-focused innovation\u003c/strong\u003e.\u003c/li\u003e\n\u003c/ul\u003e\n\n\u003cp\u003e\u003cstrong\u003eA partnership for leading workplace change\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eChange requires a conscious strategy and business capability to measure progress, while being well aware that the nature of change requires rethinking the way performance data is captured and analyzed. Physical, emotional, and financial well-being for a motivated, engaged, and productive workforce becomes centerpiece. Also, addressing individual staff constraints is vital, such as limited workspace at home and slow connectivity.\u003c/p\u003e\n\n\u003cp\u003eMany international banks have taken the first steps to provide employees with the flexibility to work from anywhere with commitment to the delivery of a valued business outcome. For example, \u003ca href=\"https://www.theguardian.com/business/2021/feb/23/hsbc-looks-to-asia-after-profits-plunge-34\" target=\"_blank\"\u003eHSBC announced its plan\u003c/a\u003e to enable a 40% reduction in office footprint globally.\u003c/p\u003e\n\n\u003cp\u003eThe emerging hybrid workplace requires a \u003cstrong\u003epartnership between CHRO and CIO to lead change\u003c/strong\u003e at both the strategic and tactical levels. Financial institutions that think differently about the workplace and workforce talent, skills, and support will accelerate business performance, maximize return on investment, and increase employee engagement through an ecosystem of digital services, AI, and intelligent workflows.\u003c/p\u003e\n\n\u003cp\u003eFor more insights about new ways of working, I encourage you to download the IBV paper\u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/report/trading-floors-cloud\" target=\"_blank\"\u003e The future of trading floors\u003c/a\u003e, and learn how banks can compete on cloud platforms with a remote workforce.\u003c/p\u003e\n","approved":true,"image_alt":"","thumbnail_alt":"","hideRelatedBlogs":false,"createdAt":"2021-05-04T22:26:02.295Z","updatedAt":"2022-03-06T10:21:08.020Z","author":[{"id":825,"name":"Seshan Balakrishnan","email":"balakris@sg.ibm.com","twitter":"","facebook":"","linkedin":"","featured":false,"priority":0,"title":"Business Development Leader -Cognitive Process Services, Talent and Transformation, Asia Pacific, IBM Consulting","image_alt":"Seshan Balakrishnan","place_of_employment":"","bio":"","createdAt":"2021-05-05T21:00:34.333Z","updatedAt":"2021-05-05T21:31:03.902Z","image":{"id":3623,"name":"v7JutdjWlTdWvqlTtWqTKfny","alternativeText":null,"caption":null,"width":null,"height":null,"formats":null,"hash":"14e59a626aeb403ca041845643817df9","ext":".jpg","mime":"image/jpeg","size":22.27,"url":"/thought-leadership/institute-business-value/uploads/en/14e59a626aeb403ca041845643817df9.jpg","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2021-05-05T21:23:07.805Z","updatedAt":"2021-05-05T21:23:07.819Z"}}],"image":{"id":6299,"name":"4f29bf3bf93349e3bd36e7e3f6988a17.webp","alternativeText":null,"caption":null,"width":2000,"height":563,"formats":null,"hash":"4f29bf3bf93349e3bd36e7e3f6988a17_7d9b84217b","ext":".webp","mime":"image/webp","size":20.62,"url":"/thought-leadership/institute-business-value/uploads/en/4f29bf3bf93349e3bd36e7e3f6988a17_7d9b84217b","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:21:07.644Z","updatedAt":"2022-03-06T10:21:08.006Z"},"thumbnail":{"id":6352,"name":"1bf8d534981348d8a919e9ed330ddb9c.webp","alternativeText":null,"caption":null,"width":728,"height":358,"formats":null,"hash":"1bf8d534981348d8a919e9ed330ddb9c_6b479bf35f","ext":".webp","mime":"image/webp","size":4.66,"url":"/thought-leadership/institute-business-value/uploads/en/1bf8d534981348d8a919e9ed330ddb9c_6b479bf35f","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:20:58.306Z","updatedAt":"2022-03-06T10:20:58.367Z"},"mlinks":null,"assets":[]},{"id":66,"slug":"cloud-based-business-architectures","title":"New cloud-based business architectures in banking and financial markets","subtitle":"","date":"2021-04-21T12:00:00.000Z","blurb":"To support business-critical digital transformation, most banking organizations are committed to a cloud strategy, and are well aware of the flexibility, agility, integration, and scalability benefits of an open hybrid multicloud approach.\n","content":"\u003cp\u003eAt the beginning of the year, the IBM Institute for Business Value (IBV) invited 44 IBM global experts\u0026mdash;members of the Industry Academy and Academy of Technology\u0026mdash;to reflect on key trends driving actions and investments across the industry in 2021. We identified the following top themes that will likely dominate and push banking and financial markets leaders to act:\u003c/p\u003e\n\n\u003cul\u003e\n\t\u003cli\u003e\u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/blog/muted-financial-performance-banking-financial-markets\" target=\"_blank\"\u003eMuted financial performance\u003c/a\u003e\u003c/li\u003e\n\t\u003cli\u003eAccelerated digital adaptation\u003c/li\u003e\n\t\u003cli\u003e\u003cstrong\u003eNew cloud-based business architectures\u003c/strong\u003e\u003c/li\u003e\n\t\u003cli\u003e\u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/blog/escalating-competition-banking-financial-markets\" target=\"_blank\"\u003eEscalating competition\u003c/a\u003e\u003c/li\u003e\n\t\u003cli\u003e\u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/blog/operational-resilience-banking-financial-markets\" target=\"_blank\"\u003eOperational resilience challenges\u003c/a\u003e\u003c/li\u003e\n\t\u003cli\u003e\u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/blog/banking-financial-markets-data\" target=\"_blank\"\u003eIncreasing open and free data\u003c/a\u003e\u003c/li\u003e\n\t\u003cli\u003e\u003ca href=\"http://www.ibm.com/thought-leadership/institute-business-value/blog/security-fraud-risks-banking-financial-markets\" target=\"_blank\"\u003eSecurity and fraud risks\u003c/a\u003e\u003c/li\u003e\n\t\u003cli\u003eNew ways of working.\u003c/li\u003e\n\u003c/ul\u003e\n\n\u003cp\u003eFrom the perspective of embracing new business architectures, three essential preconditions emerge for banks to transform swiftly, securely, and efficiently:\u003c/p\u003e\n\n\u003cul\u003e\n\t\u003cli\u003eLeveraging and protecting proprietary data\u003c/li\u003e\n\t\u003cli\u003eAugmenting in-house development with ecosystem partners\u003c/li\u003e\n\t\u003cli\u003eAutomating and integrating front and back-office functions.\u003c/li\u003e\n\u003c/ul\u003e\n\n\u003cp\u003eTo support business-critical digital transformation, most banking organizations are committed to a cloud strategy, and are well aware of the flexibility, agility, integration, and scalability benefits of an \u003cstrong\u003eopen hybrid multicloud approach\u003c/strong\u003e. First movers already recognize that existing architectures simply cannot deliver the cost and agility required to compete in a disrupted landscape and feel impeded to deliver returns demanded by investors.\u003c/p\u003e\n\n\u003cp\u003eIn our experience, financial institutions seeking higher expected returns would target 40-50% of workloads on \u003cstrong\u003especific public cloud\u003c/strong\u003e, 20% on \u003cstrong\u003etraditional public cloud\u003c/strong\u003e, and the remaining 30-40% \u003cstrong\u003eon-premises based on a modern mainframe\u003c/strong\u003e infrastructure. This hybrid multicloud strategy would enable banks to leverage cloud native, API-driven banking functionality to easily and quickly source added-value capabilities from banking and non-banking ecosystems.\u003c/p\u003e\n\n\u003cblockquote\u003e\n\u003cp class=\"ck-normal-p ibv-ckeditor\"\u003e\u0026ldquo;Open hybrid multicloud is a foundational environment enabling effective digital transformation that integrates traditional computing platforms with private, public, and managed cloud platform services. In essence, a hybrid cloud becomes a virtual computing environment spanning multiple landing zones that aligns workloads and digital interfaces with the most appropriate computing platform. All these services need to be managed as though they were designed to behave as a single unified environment.\u0026rdquo;\u003c/p\u003e\n\n\u003cp class=\"ck-normal-p ibv-ckeditor\"\u003e\u0026ndash; \u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/report/banking-hybrid-multicloud\" target=\"_blank\"\u003e\u003cem\u003edefinition of open hybrid multicloud\u003c/em\u003e\u003c/a\u003e\u003cem\u003e \u003c/em\u003e\u003c/p\u003e\n\u003c/blockquote\u003e\n\n\u003cp\u003e\u003cstrong\u003eMigrating to a new business architecture\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eHow does open hybrid multicloud add value? Yesterday\u0026rsquo;s banking architectures are illustrated below as a pyramid with most of the costs pooling at the bottom, such as core banking (see Figure). However, key revenue generation mechanisms are serviced at the top, such as intermediation with customers and relationship management.\u003c/p\u003e\n\n\u003cp\u003eWinning on digital economies requires an inversion of the pyramid, making core banking a utility that scales efficiently with intelligent workflows, matching each workload to the most effective computing platform (open, hybrid, multi), and expand the investments and capabilities supporting the next generation of customer experiences. The path to open hybrid multicloud is clear.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eJourney to open hybrid cloud architecture\u003c/strong\u003e: Business outcomes include agile, digitally transformed operations.\u003c/p\u003e\n\n\u003cp\u003e\u003cimg alt=\"Journey to open hybrid cloud architecture: Business outcomes include agile, digitally transformed operations.\" height=\"468\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/ef2799f11b8744bfad6eb968abe18799.png\" width=\"760\" /\u003e\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eOptimize banks\u0026rsquo; business critical workloads on specific public cloud\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eToday, \u003ca href=\"https://cloudsecurityalliance.org/artifacts/cloud-usage-in-the-financial-services-sector/\" target=\"_blank\"\u003eless than 10% of application workloads\u003c/a\u003e have migrated to public cloud computer platforms, with the remainder in on-premises platforms. Clearly, a public cloud alone may not necessarily be the optimal environment for hosting all mission critical application workloads.\u003c/p\u003e\n\n\u003cp\u003eAs banks started adopting cloud platforms, they learned the importance to access industry-specific attributes about security and compliance requirements that only an open hybrid multicloud framework would facilitate. Banks recognized the need to match the complexities of their operations and multi-faceted regulatory demands with the right cloud platform. More advanced institutions are not stalled anymore. They are honing their cloud migration strategy to new business operating models that only an open hybrid multicloud architecture can address.\u003c/p\u003e\n\n\u003cp\u003eBusiness leaders and regulators understand the inherent risks of relying on a single vendor for all situations. It makes sense to operate with more than one provider to mitigate risks of operational resiliency, the risks of de-platforming by platform providers, and to enhance data security.\u003c/p\u003e\n\n\u003cp\u003eThere are mission-critical workloads leveraging strategic datasets that businesses are not eager to place on the public cloud. Therefore, well-informed decision makers demand to be supported by a business architecture that combines a variety of public and private clouds, hosted services, edge computing, and data center capabilities from a number of different vendors.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eRewire for agility and scale with the right moves\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eFinancial institutions do not just need to restructure operations, cut costs, and simply survive. They need to win with new business architectures enabling expansion and \u003cstrong\u003ereclaim market leadership\u003c/strong\u003e. This is dependent on making the right moves by blending business and IT priorities toward a more collaborative operating model supporting agility, mobility, and resiliency. This collaborative operating model is underpinned by 5 enablers and ways of working:\u003c/p\u003e\n\n\u003cul\u003e\n\t\u003cli\u003e\u003cstrong\u003eNext-generation operating models.\u003c/strong\u003e The business of banking demands high levels of efficiency and openness. Adoption, deployment, and evolution of new operating models\u0026mdash;including architecture, technology, processes, people, partnership models, and even culture\u0026mdash;are needed to support new and disruptive business models and prepare banks to succeed in an ever-changing environment.\u003c/li\u003e\n\t\u003cli\u003e\u003cstrong\u003eAgility\u003c/strong\u003e. Business agility is a core capability to generate ideas, realize meaningful experiences through intelligent processes, and operationalize to rapidly deliver business outcomes. Avoiding vendor lock-in with strategic optionality on an open hybrid multicloud platform is a must have to compete.\u003c/li\u003e\n\t\u003cli\u003e\u003cstrong\u003eSecure container technology\u003c/strong\u003e. Workloads can be moved across competing environments allowing banks to use multiple cloud providers as back-up, switching in case of disruption. Full portability with security embedded into the container pipeline is reliable technology; it is compliant, scalable, and trusted for defense of the infrastructure.\u003c/li\u003e\n\t\u003cli\u003e\u003cstrong\u003eDevSecOps for compliance\u003c/strong\u003e. Developers can leverage the strengths of both\u0026nbsp;security compliance\u0026nbsp;teams and DevOps teams, yielding a process that works better for both. A solid\u0026nbsp;DevSecOps\u0026nbsp;solution embeds compliance best practices, policies, and tools into each phase of the development lifecycle.\u003c/li\u003e\n\t\u003cli\u003e\u003cstrong\u003eSite reliability engineering (SRE).\u003c/strong\u003e Enable and empower a SRE discipline to focus on how to scale and maintain uptime in a distributed environment and minimize outages. Implement SRE to offer consistent service level support, logging, management, and delivery across cloud environment with intelligent automation and real-time alerts for responsive operations.\u003c/li\u003e\n\u003c/ul\u003e\n\n\u003cp\u003e\u003cstrong\u003eEngage with the ecosystem and take advantage of industry scale\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eNew operating models are just one step to change the way of working within a bank. The next step is about engaging with ecosystem players (including independent software vendors, other financial institutions, other industries) through industry-wide secured solutions to take advantage of industry scale.\u003c/p\u003e\n\n\u003cp\u003eAs banks migrate business critical workloads to an open cloud environment, they can couple application modernization with the sharing of business-critical capabilities. Speed can be achieved by identifying a valuable ecosystem of partners to leverage and shorten time to market, or by forming coalitions to create an industry utility. For example:\u003c/p\u003e\n\n\u003cul\u003e\n\t\u003cli\u003e\u003cem\u003eBusiness critical banking partnerships\u003c/em\u003e. The five largest Nordic banks founded a know your customer (KYC) utility named \u003ca href=\"https://invidem.com/index.php/about-invidem/\" target=\"_blank\"\u003eInvidem\u003c/a\u003e to be commercially launched in 2021. The digital platform manages and administers public KYC information to prevent money laundering and terrorist financing. This type of partnership delivers increased security through \u003cstrong\u003eenhanced KYC capabilities\u003c/strong\u003e, identity validation, and fraud detection by identifying unusual patterns in payments traffic that individual banks cannot identify.\u003c/li\u003e\n\t\u003cli\u003e\u003cem\u003eRise of information banks. \u003c/em\u003eSatellite broadcaster \u003ca href=\"https://asia.nikkei.com/Business/Business-trends/Japan-s-information-banks-to-let-users-cash-in-on-personal-data\" target=\"_blank\"\u003eSky Perfect JSAT Holdings and personal loan provider J. Score\u003c/a\u003e gives customers more control over their personal account data and offers a transparent solution to \u003cstrong\u003ecompensate customers\u003c/strong\u003e for the provision of data. Banks striking data-sharing deals with businesses like J. Score can simplify credit extension and glean insights at the \u0026ldquo;moment of decision,\u0026rdquo; and arrive at more precise risk-scoring and credit-underwriting decisions.\u003c/li\u003e\n\u003c/ul\u003e\n\n\u003cp\u003e\u003cstrong\u003eGetting ready for open hybrid multicloud\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eAn organization has decisions to make about which workloads to prioritize for public cloud, which ones to prioritize for private cloud, and which to leave on a more traditional enterprise platform. They also need to separate what can be done\u0026mdash;in terms of ease and feasibility\u0026mdash;from what should be done from a strategic standpoint.\u003c/p\u003e\n\n\u003cp\u003eA robust multi-criteria framework can help determine the optimal platform for each workload. Both operational and business criteria should be considered in each workload evaluation: resiliency; responsiveness; digital maturity; risk, security, and compliance; and business case application.\u003c/p\u003e\n\n\u003cp\u003eHere are the key steps to develop a strategy to determine your optimal platform:\u003c/p\u003e\n\n\u003cul\u003e\n\t\u003cli\u003eConsider a \u0026ldquo;big picture\u0026rdquo; view of the industry specifics and complexities related to a large-scale migration to alternative cloud environments\u003c/li\u003e\n\t\u003cli\u003eEvaluate approaches and build a business case that considers criteria that matters\u0026mdash;completeness and depth of platform; hybrid and multicloud interoperability; total cost of owners/lifecycle economics; operating model; and experience, ecosystem and partnerships\u0026mdash;to substantiate the business case with an ROI estimate\u003c/li\u003e\n\t\u003cli\u003eDetermine which workloads to prioritize for public cloud, which ones to prioritize for private cloud, and which to leave on a more traditional platform\u003c/li\u003e\n\t\u003cli\u003eBuild \u003cstrong\u003e\u0026ldquo;islands of stability\u0026rdquo;\u003c/strong\u003e on the journey to cloud that have value\u0026mdash;and avoid technical debt\u0026mdash;and continue to build and evolve a cloud environment suited to the business of banking.\u003c/li\u003e\n\u003c/ul\u003e\n\n\u003cp\u003ePart of the appeal of an open hybrid multicloud approach is the resulting flexibility, agility, and ability to scale. And because \u003cstrong\u003eone size does not fit all\u003c/strong\u003e, open hybrid multicloud can enable a bank to embrace cloud services without restricting it to a single technical solution platform or provider. To be successful, businesses that focus on a hybrid cloud and open-source plan are in the position to grow their business and protect their customers.\u003c/p\u003e\n\n\u003cp\u003eTo learn more about key actions for banks migrating to cloud, please download the IBV report \u0026ldquo;\u003ca href=\"https://ibm.co/banking-hybrid-multicloud\" target=\"_blank\"\u003eBanking on open hybrid multicloud\u003c/a\u003e\u003cstrong\u003e.\u0026rdquo;\u003c/strong\u003e\u003c/p\u003e\n","approved":true,"image_alt":"","thumbnail_alt":"","hideRelatedBlogs":false,"createdAt":"2021-04-15T21:00:25.686Z","updatedAt":"2022-03-06T10:21:08.022Z","author":[{"id":659,"name":"John J Duigenan","email":"john.duigenan@us.ibm.com","twitter":"","facebook":"","linkedin":"https://www.linkedin.com/in/duigenan/","featured":false,"priority":0,"title":"General Manager, Financial Services, IBM Technology","image_alt":"John J Duigenan","place_of_employment":"","bio":"","createdAt":"2021-04-15T21:39:22.312Z","updatedAt":"2024-09-27T13:42:04.368Z","image":{"id":3492,"name":"XbwJ0yQvkcL-VszbayD9_ox6","alternativeText":null,"caption":null,"width":null,"height":null,"formats":null,"hash":"007cc50e6ac747b2a9b9ba55676eb71f","ext":".jpg","mime":"image/jpeg","size":123.19,"url":"/thought-leadership/institute-business-value/uploads/en/007cc50e6ac747b2a9b9ba55676eb71f.jpg","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2021-04-15T21:52:29.758Z","updatedAt":"2021-04-15T21:52:29.772Z"}}],"image":{"id":6300,"name":"6ca2fa85ed20415e935c6dcd49696b67.webp","alternativeText":null,"caption":null,"width":2000,"height":500,"formats":null,"hash":"6ca2fa85ed20415e935c6dcd49696b67_46e724e065","ext":".webp","mime":"image/webp","size":195.79,"url":"/thought-leadership/institute-business-value/uploads/en/6ca2fa85ed20415e935c6dcd49696b67_46e724e065","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:21:07.645Z","updatedAt":"2022-03-06T10:21:08.017Z"},"thumbnail":{"id":6660,"name":"c803c14fde4544ac991c1bb7e82b167a.webp","alternativeText":null,"caption":null,"width":729,"height":359,"formats":null,"hash":"c803c14fde4544ac991c1bb7e82b167a_951e31dc1b","ext":".webp","mime":"image/webp","size":47.5,"url":"/thought-leadership/institute-business-value/uploads/en/c803c14fde4544ac991c1bb7e82b167a_951e31dc1b","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:20:54.729Z","updatedAt":"2022-03-06T10:20:54.911Z"},"mlinks":null,"assets":[]},{"id":86,"slug":"connected-assets-operations","title":"The power of connected assets for intelligent operations ","subtitle":"","date":"2021-04-14T12:00:00.000Z","blurb":"Digitally connected assets allow businesses to facilitate remote monitoring of high-value physical equipment, resulting in a mass repository of real-time data.\n","content":"\u003cp\u003eWe live in a world driven by data. The ability to harness that information for insights allows businesses to make smarter, more cost-effective decisions. In the wake of the pandemic, \u003ca href=\"https://ibm.co/c-suite-study-ceo\" target=\"_blank\"\u003eCEOs emphasize\u003c/a\u003e the need to \u0026ldquo;aggressively pursue\u0026rdquo; operational agility and flexibility over the next two to three years. However, they must adopt a new operating model to sift through the data and uncover valuable insights to optimize performance. Digitally connected assets allow businesses to facilitate remote monitoring of high-value physical equipment, resulting in a mass repository of real-time data. As detailed in \u0026ldquo;\u003ca href=\"http://www.ibm.com/thought-leadership/institute-business-value/report/connected-operations\" target=\"_blank\"\u003eA new model for connected assets\u003c/a\u003e,\u0026rdquo; a\u0026nbsp;recent report\u0026nbsp;by the\u0026nbsp;IBM Institute for Business Value,\u003cem\u003e \u003c/em\u003eintelligent assets, machine learning, and digital twins help organizations build more resilient and efficient operations.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eA new intelligent operating model\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eAccording to the study, businesses will be heavily investing in technology such as cloud, advanced analytics, automation, and the Internet of Things (IoT). Under pressure to maximize performance, companies are looking at these technologies to help streamline and transform operations for the next generation of their business. Instead of starting from the ground up, organizations can create an intelligent workflow by adding AI, machine learning, and automation to their existing systems, allowing business leaders to benefit from data insights and improve operations. \u0026nbsp;\u003c/p\u003e\n\n\u003cp\u003e\u003cimg alt=\"Large level of investment planned in the next two to three years\" height=\"240\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/0fa2dab7e56b44b6bc6e1dfa2861085c.png\" width=\"700\" /\u003e\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eProcess industries lead in connected operations \u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eProcess industries, particularly those with continuous processes such as chemicals and petroleum and oil and gas, have been adversely impacted by the volatility in the supply chain. Resilience is key in these industries due to the unpredictability of demand and uncertainty of feedstock. Because companies in these industries are typically asset intensive and intent on operational safety and stability, it is crucial they utilize their assets to the maximum potential, including production processes (like reactors or columns), physical equipment (compressors, pumps, and exchangers) or personnel executing the operations.\u003c/p\u003e\n\n\u003cp\u003eSustainability in manufacturing is becoming more of a priority goal than a \u0026ldquo;good-to-have.\u0026rdquo; In process industries, cost of operations, including the cost of information management, is under scrutiny due to the push toward net zero targets, making businesses shift toward alternate and new energy options.\u003c/p\u003e\n\n\u003cp\u003eNew technology is being adopted and leveraged for innovation in all these priority areas. This includes collecting large volumes of new information through connected assets, managing the information in the cloud, and enabling AI at scale. Metrics are being assessed to address financial (for example, EBITDA) and sustainability-focused areas (for example, worker health, emissions monitoring, asset utilization, and energy management). Understanding how each connected asset correlates to the process, whether it is engineering, design, construction, or operation, is vital. Digital representations such as digital twins play a key role in streamlining asset maintenance and adding transparency in the manufacturing space.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eBeing proactive with digital twins\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eDigital twin technology for asset maintenance can facilitate remote monitoring, predictive planning, and the proactive management of physical assets so businesses can make smarter, more efficient decisions. However, lack of access to maintenance information can make it difficult for companies to adopt digital twin technology. For example, factory equipment can come from an OEM, or original equipment manufacturer, but the OEM may not have shared all the required maintenance information. It may be contracted with the factory to come and maintain the equipment, or it might charge money to provide physical copies of maintenance documents.\u003c/p\u003e\n\n\u003cp\u003eThese gaps can be filled by consolidating and streamlining OEM maintenance information for customers. Platforms such as IBM\u0026rsquo;s \u003ca href=\"https://www.ibm.com/products/digital-twin-exchange\" target=\"_blank\"\u003eDigital Twin Exchange\u003c/a\u003e manage content provided by OEMs, such as service manuals and parts lists for consumer use. Customers can browse, purchase, and download digital twin information to better inform their maintenance and operations. In turn, OEMs are freed from the costs associated with managing a website to host their manuals and have another avenue for generating revenue and improving customer satisfaction.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eReducing the knowledge gap \u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eMany businesses face a common obstacle: how to capture the institutional knowledge of the retiring baby-boomer generation that has been built over many years and transfer it to the new workforce. Baby boomer technicians came into the workforce with deep, almost intuitive, mechanical knowledge, whereas today\u0026rsquo;s technicians are coming in with less mechanical and much more digital expertise.\u003c/p\u003e\n\n\u003cp\u003eTechnicians on average spend \u003ca href=\"https://www.accelix.com/community/predictive-maintenance/predictive-maintenance-explained/\"\u003e80% of their time\u003c/a\u003e performing reactive maintenance work, much of which requires looking up information. Proactively providing them all with the information needed to do their job via a mobile device can greatly streamline the time it takes to complete a task and help improve their experiences as employees. Interactive, self-learning (improving) systems that can guide the worker and provide suggestions are part of the new employee experience.\u003c/p\u003e\n\n\u003cp\u003eCreating a repository of digital twin information, including lessons, insights, pictures, and videos, can help companies capture the valuable data they need for their workforce. Leveraging AI and machine learning can help to understand and sort through all the information and tie it back to the equipment to help every technician optimize performance.\u003c/p\u003e\n\n\u003cp\u003eRead \u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/report/connected-operations\" target=\"_blank\"\u003emore\u003c/a\u003e about how intelligent assets can optimize performance and transform business processes.\u003c/p\u003e\n","approved":true,"image_alt":"","thumbnail_alt":"","hideRelatedBlogs":false,"createdAt":"2021-04-13T05:48:46.865Z","updatedAt":"2022-03-06T10:21:21.360Z","author":[{"id":526,"name":"Kay Murphy","email":"kaymur@us.ibm.com","twitter":"","facebook":"","linkedin":"https://www.linkedin.com/in/kaymurphyral/","featured":false,"priority":0,"title":"Leader, IBM Global Asset Optimization Services","image_alt":"Kay Murphy","place_of_employment":"","bio":"","createdAt":"2020-05-29T22:32:37.191Z","updatedAt":"2023-03-21T20:05:25.466Z","image":{"id":3365,"name":"2Y4_qTcnOH3thdhvJX4_rOGn","alternativeText":null,"caption":null,"width":null,"height":null,"formats":null,"hash":"b38f62522080410585c8b45f90cce482","ext":".png","mime":"image/png","size":298.94,"url":"/thought-leadership/institute-business-value/uploads/en/b38f62522080410585c8b45f90cce482.png","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2021-04-14T05:03:15.334Z","updatedAt":"2021-04-14T05:03:15.352Z"}},{"id":780,"name":"Ashna Gupta","email":"ashna.gupta@ibm.com","twitter":"","facebook":"","linkedin":"https://www.linkedin.com/in/guptaashna","featured":false,"priority":0,"title":"Senior Consultant, Banking \u0026 Financial Markets","image_alt":"Ashna Gupta","place_of_employment":"","bio":"","createdAt":"2021-04-14T05:00:24.145Z","updatedAt":"2021-04-14T05:05:18.264Z","image":{"id":3250,"name":"6fPqUcoZfBOIhkGtxv6ogtxo","alternativeText":null,"caption":null,"width":null,"height":null,"formats":null,"hash":"a52c1fd261c146a4aaf28bacd82a36a6","ext":".JPG","mime":"image/jpeg","size":53.58,"url":"/thought-leadership/institute-business-value/uploads/en/a52c1fd261c146a4aaf28bacd82a36a6.JPG","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2021-04-14T05:00:55.744Z","updatedAt":"2021-04-14T05:00:55.762Z"}}],"image":{"id":7487,"name":"a336ce478d5c47718f8e5da973272b31.webp","alternativeText":null,"caption":null,"width":2000,"height":500,"formats":null,"hash":"a336ce478d5c47718f8e5da973272b31_3c5e482517","ext":".webp","mime":"image/webp","size":65.92,"url":"/thought-leadership/institute-business-value/uploads/en/a336ce478d5c47718f8e5da973272b31_3c5e482517","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:21:21.029Z","updatedAt":"2022-03-06T10:21:21.283Z"},"thumbnail":{"id":6356,"name":"325c7480940c42e295203bcec4ce4f3f.webp","alternativeText":null,"caption":null,"width":729,"height":359,"formats":null,"hash":"325c7480940c42e295203bcec4ce4f3f_7e4453d1c8","ext":".webp","mime":"image/webp","size":30.64,"url":"/thought-leadership/institute-business-value/uploads/en/325c7480940c42e295203bcec4ce4f3f_7e4453d1c8","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:21:08.130Z","updatedAt":"2022-03-06T10:21:08.401Z"},"mlinks":null,"assets":[]},{"id":85,"slug":"escalating-competition-banking-financial-markets","title":"Escalating competition for banking and financial markets","subtitle":"","date":"2021-04-06T12:00:00.000Z","blurb":"As artificial intelligence (AI) models and advanced analytics continue to improve, banks can prioritize better use of data and analytics, digitize end-to-end internal processes, and invest in front-end innovation to leverage key advantages of platform economies\n","content":"\u003cp\u003eAt the beginning of the year, I was invited by the IBM Institute for Business Value (IBV) to join 44 IBM global experts\u0026mdash;members of the Industry Academy and Academy of Technology\u0026mdash;to reflect on key trends driving actions and investments across the industry in 2021. We identified 8 trends that will likely dominate and push banking and financial markets leaders to act:\u003c/p\u003e\n\n\u003cul\u003e\n\t\u003cli\u003e\u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/blog/muted-financial-performance-banking-financial-markets\" target=\"_blank\"\u003eMuted financial performance\u003c/a\u003e\u003c/li\u003e\n\t\u003cli\u003eAccelerated digital adaptation\u003c/li\u003e\n\t\u003cli\u003eNew cloud-based business architectures\u003c/li\u003e\n\t\u003cli\u003e\u003cstrong\u003eEscalating competition\u003c/strong\u003e\u003c/li\u003e\n\t\u003cli\u003e\u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/blog/operational-resilience-banking-financial-markets\" target=\"_blank\"\u003eOperational resilience challenges\u003c/a\u003e\u003c/li\u003e\n\t\u003cli\u003e\u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/blog/banking-financial-markets-data\" target=\"_blank\"\u003eIncreasing open and free data\u003c/a\u003e\u003c/li\u003e\n\t\u003cli\u003e\u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/blog/security-fraud-risks-banking-financial-markets\" target=\"_blank\"\u003eSecurity and fraud risks\u003c/a\u003e\u003c/li\u003e\n\t\u003cli\u003eNew ways of working\u003c/li\u003e\n\u003c/ul\u003e\n\n\u003cp\u003eLet\u0026rsquo;s explore the industry\u0026rsquo;s \u003cstrong\u003eintensified competition \u003c/strong\u003eboth inside and outside of financial services\u003cu\u003e,\u003c/u\u003e that which is blurring the line between banking and non-banking.\u003c/p\u003e\n\n\u003cdiv class=\"ckeditor-html5-video\" data-responsive=\"true\"\u003e\n\u003cvideo controls=\"controls\" poster=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/17059af7dea14beaac6a5d4c168efb92.jpg\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/44b5a6cb62074148a6df6129b51fb938.mp4\" style=\"height:auto; max-width:100%\" width=\"700\"\u003e\u0026nbsp;\u003c/video\u003e\n\u003c/div\u003e\n\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\n\n\u003cp\u003eA decade ago, the fintech global startup movement found itself at the intersection of maturing exponential technologies and the emergence of new business models in financial services. Captive user experiences are start-ups\u0026rsquo; competitive advantage, tearing down barriers to entry, winning clients\u0026rsquo; trust on frictionless interactions, and hyper-personalizing contextual experiences.\u003c/p\u003e\n\n\u003cp\u003eToday, the London Tube can be entered by waving a smart phone, tapping a credit card, or unloading spare pocket change instead of holding physical travel documents. Spare money can be retained on digital wallets and invested on automated trading solutions customized with financial goals and ethical preferences.\u003c/p\u003e\n\n\u003cp\u003eDigital competitors have made significant inroads into payments, retail deposits, consumer lending, wealth management, and asset management, offering end-to-end customer experiences focused on convenience. Competition continues to escalate with Big Tech giants and other non-banking industries, such as telecommunications, consumer products, and leisure, which are offering digital financial services on \u003cstrong\u003ecloud native platforms\u003c/strong\u003e. Many of these competitors bring innovative thinking for user-oriented engagement within nonbanking ecosystems, offering a truly \u003cstrong\u003ecustomer-centric \u003c/strong\u003eperspective to banking that adapts to changing client expectations and market conditions, without the burden of legacy technologies.\u003c/p\u003e\n\n\u003cp\u003eBanking and financial markets are besieged (but not yet conquered), as financial institutions strike back by creating innovation labs, building links with fintech ecosystems, and advancing new platform-oriented offers. As artificial intelligence (AI) models and advanced analytics continue to improve, banks can prioritize better use of data and analytics, digitize end-to-end internal processes, and invest in front-end innovation to leverage key advantages of platform economies. Banks can also contextualize user experiences inside competing industries to generate business value.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eIt\u0026rsquo;s a blurry business\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eToday\u0026rsquo;s competition is intensifying and changing in nature. Platform players are moving their strategies \u003cstrong\u003e\u0026ldquo;outside-in,\u0026rdquo;\u003c/strong\u003e expanding their businesses to include financial services by leveraging privileged touchpoints with banking clients.\u0026nbsp;Platform companies, such as Facebook and Apple, have been flexing their digital muscle. They leverage the power of their non-banking ecosystems to reduce friction between customer value chains across multiple industries, including banking and financial markets.\u003c/p\u003e\n\n\u003cp\u003ePlatform companies connect with banking clients by embedding financial services inside their customers\u0026rsquo; digital lives and businesses in a progressive process that bundles travel, commerce, entertainment, communication, and many others.\u003c/p\u003e\n\n\u003cp\u003eChina has been at the forefront of this transformation. Alipay and WeChat are used by over 1 billion Chinese residents to communicate, make payments, book a restaurant, buy insurance, and even hail a taxi on a digital venue that resembles a \u0026ldquo;super-app.\u0026rdquo; In recognition of their pervasive capabilities, the digital prowess of these companies has attracted stricter regulatory oversight, triggering a holistic review of digital financial services.\u003c/p\u003e\n\n\u003cp\u003eCompetition is also shaping collaborative models and forming partnerships between banks and Big Tech. For example, Google recently announced the launch of Google Plex checking accounts, as an initial partnership with 11 financial institutions (3 big banks, 4 community banks, 2 credit unions, and 2 digital banks).\u003csup\u003e \u003c/sup\u003eThe intent is to facilitate entry to a digital banking relationship based on a 360-degree view of customers\u0026#39; payments and financial management activities.\u003c/p\u003e\n\n\u003cp\u003eFinancial institutions that partner with Big Tech players beyond banking interfaces understand the advantages of embedded products and services within a non-banking ecosystem platform. The choices for a strong digital capability will likely be to build, acquire, or participate in external platform models in ways that allow financial institutions to retain value and remain relevant\u0026mdash;but for how long? As customers adapt more and more to a digital life, is it the digital enabler that becomes the primary source of trust?\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eStriking back \u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eLeading institutions are taking the reins to innovate \u003cstrong\u003e\u0026ldquo;inside-out\u0026rdquo;\u003c/strong\u003e and retain ownership of client engagement on non-banking platforms. Successful responses to intensifying competition is clearly illustrated by developing differentiated value propositions that address new models for consumption of financial services.\u003c/p\u003e\n\n\u003cp\u003eThe recent \u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/report/ceo\" target=\"_blank\"\u003eIBV \u0026ldquo;2021 CEO Study: Find your Essentials\u0026rdquo;\u003c/a\u003e\u003csup\u003e \u003c/sup\u003e\u0026nbsp;reveals CEOs\u0026rsquo; key objectives over the next 2-3 years. They will likely focus on shared purpose, open ecosystems for platform access, and secure sharing of data. By tapping into partner ecosystems, banks\u0026rsquo; can expand their source of revenues and optimize the competitive advantages that open innovation enables.\u003c/p\u003e\n\n\u003cp\u003eThe firms that aggressively pursue and establish flexible partnerships can proactively provide real-time responsiveness and relevant customer feedback, which are essential with shaping a relationship and defining a differentiated experience. Evidence from the CEO Study indicates that banks are taking a more outward-looking perspective to improve performance.\u003c/p\u003e\n\n\u003cp\u003eFor example, the State Bank of India (SBI) launched an online marketplace named YONO (You-Only-Need-One), which connects the bank to non-banking client journeys offering lifestyle products. The convenience is a \u003cstrong\u003eone-stop-shop\u003c/strong\u003e solution for their banking, shopping, lifestyle, and investment needs, capturing the customer at the moment of decision. Clients can onboard seamlessly to a digital bank with access to a financial superstore for investments and other services. All services are connected end-to-end by AI-advanced analytics generating timely customer insights that lead to tailor-made offerings and campaigns (see,\u0026nbsp;\u0026ldquo;\u003ca href=\"https://www.ibm.com/case-studies/state-bank-of-india/\"\u003eThe rise of a financial tiger\u003c/a\u003e\u0026rdquo;).\u003cbr /\u003e\n\u003cbr /\u003e\nDBS Bank is another example. With a goal of \u003ca href=\"https://www.dbs.com/lm/digital-transformation-making-banking-invisible.html\" target=\"_blank\"\u003e\u0026ldquo;\u003cstrong\u003emaking banking invisible\u003c/strong\u003e\u003c/a\u003e,\u0026rdquo; DBS Bank offers online marketplaces for multiple lifestyle needs, from property and travel, to cars and utilities. In a recent \u003ca href=\"https://www.linkedin.com/pulse/responsive-responsible-banking-interview-piyush-gupta-chatrath/\"\u003eIBM interview\u003c/a\u003e, DBS Bank CEO Piyush Gupta affirmed that, \u0026ldquo;If you can embrace agile setups, experiments, and constantly nurture a learning culture, then you become adaptive and nimble, which means you can respond a lot more quickly to opportunity and changes in the environment.\u0026rdquo;\u003c/p\u003e\n\n\u003cp\u003ePayment providers have also responded to demands for better customer experiences, fueling the need to modernize and digitally transform. Payment contextualization is typically the starting point to re-build customer engagement inside non-banking ecosystems.\u003c/p\u003e\n\n\u003cp\u003eConsumers have heightened expectations that digital payments can be fulfilled immediately using any device, network, and channel. Partnering within and across ecosystems on open banking platforms permits sharing the costs of running business-critical, yet standard, operations.\u003c/p\u003e\n\n\u003cp\u003eIn late 2020, US fintech start-up Stripe teamed up with four banks to propose offerings to merchants and vendors that use Stripe\u0026#39;s platform for the small business marketplace. Stripe\u0026#39;s clients will be offered Federal Deposit Insurance Corporation (FDIC)-insured debit cards and bank accounts through banking partnerships.\u0026nbsp;\u003c/p\u003e\n\n\u003cp\u003eLeading banks move \u0026ldquo;inside-out\u0026rdquo; connecting with consumers on non-banking platforms. They leverage new cloud-based business architecture, underpinned by data and AI, to operate intelligent connections across practically any businesses and any users. Essentially, they compete with omni-intelligent connections, on omni-businesses, and omni-users value-generating interactions.\u003cbr /\u003e\n\u003cbr /\u003e\nTo stay relevant, banks that define a clear \u003cstrong\u003esense of purpose\u003c/strong\u003e and marry this purpose to the success of their customers, beyond the digital touchpoint, can be winners in the platform economy.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eAn action guide for the road ahead\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eInnovation is never simple, especially when attempting to transform established business models \u003cstrong\u003einside-out\u003c/strong\u003e. Innovation is a journey that requires inclusive culture and open mindsets to align multiple stakeholders\u0026rsquo; interests through a continuous process made of design thinking, convenient customer journeys, quicker processes, and fast-tracking approvals. A good starting point is to explore and leverage the four pillars of digital transformation:\u003c/p\u003e\n\n\u003cul\u003e\n\t\u003cli\u003eBuild a digital bank and transform the business model around core business and purpose\u003c/li\u003e\n\t\u003cli\u003eCreate a financial hub that blurs the line between business units, and display a 360 view of client across bank products and services\u003c/li\u003e\n\t\u003cli\u003eLaunch an online platform that engages clients in non-banking activities to stay relevant in key segments of their personal and business life\u003c/li\u003e\n\t\u003cli\u003eEnable end-to-end (E2E) digitization of bank processes and customer journeys.\u003c/li\u003e\n\u003c/ul\u003e\n\n\u003cp\u003eA strong digital capability foundation is founded on purpose and anchored on trust. It requires the trust of your employees, customers, partners, and of regulators in the reimagining of your business. It also requires shifting the organizational mindset with well-informed\u0026mdash;and always bold\u0026mdash;moves that matter.\u003c/p\u003e\n\n\u003cp\u003eDigital platform players have realized the power of building around customer ecosystems, reducing friction across industry value chains to deliver on customer needs. Financial institutions can learn\u0026mdash;by going \u003cstrong\u003ebeyond banking\u003c/strong\u003e\u0026mdash;to integrate their products and services into customer ecosystem platforms. Building or participating in platform business models allows financial institutions to capture a greater share of the broader value incorporated into ecosystems.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eIt takes courage to bet on a big idea\u0026ndash;that moment is now.\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eTo learn more about how to set up a platform strategy to digitize financial services on user ecosystems, you can download the IBV report, \u0026ldquo;\u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/report/platform-banking\" target=\"_blank\"\u003eBanking on the platform economy\u0026quot;\u003c/a\u003e.\u003c/p\u003e\n","approved":true,"image_alt":"Escalating competition for banking and financial markets","thumbnail_alt":"Escalating competition for banking and financial markets","hideRelatedBlogs":false,"createdAt":"2021-04-02T01:53:27.953Z","updatedAt":"2022-03-06T10:21:00.935Z","author":[{"id":852,"name":"Melba Montague","email":"Melba.Montague@ibm.com","twitter":"","facebook":"","linkedin":"https://www.linkedin.com/in/melbamontague/","featured":false,"priority":0,"title":"Senior Partner - Lead Client Partner, IBM Consulting ","image_alt":"Melba Montague","place_of_employment":"","bio":"","createdAt":"2021-04-02T04:25:36.875Z","updatedAt":"2021-04-02T04:43:26.786Z","image":{"id":3013,"name":"8wLPdyELKFCQ2BO2svwFzufJ","alternativeText":null,"caption":null,"width":null,"height":null,"formats":null,"hash":"90284ce2e1334c0dab670a90deee9ed7","ext":".jpg","mime":"image/jpeg","size":27.89,"url":"/thought-leadership/institute-business-value/uploads/en/90284ce2e1334c0dab670a90deee9ed7.jpg","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2021-04-02T04:43:05.311Z","updatedAt":"2021-04-02T04:43:05.480Z"}}],"image":{"id":6415,"name":"93fe6ac43a1a4bd1b132a596d4042059.webp","alternativeText":null,"caption":null,"width":2000,"height":500,"formats":null,"hash":"93fe6ac43a1a4bd1b132a596d4042059_9963bbbcce","ext":".webp","mime":"image/webp","size":46.04,"url":"/thought-leadership/institute-business-value/uploads/en/93fe6ac43a1a4bd1b132a596d4042059_9963bbbcce","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:21:00.862Z","updatedAt":"2022-03-06T10:21:00.914Z"},"thumbnail":{"id":6919,"name":"c421192c2edd42a09398e7e0372a1ed1.webp","alternativeText":null,"caption":null,"width":729,"height":359,"formats":null,"hash":"c421192c2edd42a09398e7e0372a1ed1_ae8f1bfc77","ext":".webp","mime":"image/webp","size":15.75,"url":"/thought-leadership/institute-business-value/uploads/en/c421192c2edd42a09398e7e0372a1ed1_ae8f1bfc77","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:20:51.774Z","updatedAt":"2022-03-06T10:20:51.811Z"},"mlinks":null,"assets":[]},{"id":80,"slug":"security-fraud-risks-banking-financial-markets","title":"Security and fraud risks in banking and financial markets","subtitle":"","date":"2021-03-23T12:00:00.000Z","blurb":"Although many aspired to embark on a digital transformation journey to unify business processes and customer interactions with intelligent risk operations, only a handful were ready in 2020.\n","content":"\u003cp\u003eAt the beginning of the year, I was invited by the IBM Institute for Business Value (IBV) to join 44 IBM global experts\u0026mdash;members of the Industry Academy and Academy of Technology\u0026mdash;to reflect on key trends driving investments and actions in 2021. We identified eight trends that will dominate and push banking and financial markets leaders to take action toward new cloud-based business architectures:\u003c/p\u003e\n\n\u003cul\u003e\n\t\u003cli\u003e\u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/blog/muted-financial-performance-banking-financial-markets\" target=\"_blank\"\u003eMuted financial performance\u003c/a\u003e\u003c/li\u003e\n\t\u003cli\u003eAccelerated digital adaptation\u003c/li\u003e\n\t\u003cli\u003eNew cloud-based business architectures\u003c/li\u003e\n\t\u003cli\u003eEscalating competition\u003c/li\u003e\n\t\u003cli\u003e\u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/blog/operational-resilience-banking-financial-markets\" target=\"_blank\"\u003eOperational resilience challenges\u003c/a\u003e\u003c/li\u003e\n\t\u003cli\u003e\u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/blog/banking-financial-markets-data\" target=\"_blank\"\u003eIncreasing open and free data\u003c/a\u003e\u003c/li\u003e\n\t\u003cli\u003e\u003cstrong\u003eSecurity and fraud risks\u003c/strong\u003e\u003c/li\u003e\n\t\u003cli\u003eNew ways of working\u003c/li\u003e\n\u003c/ul\u003e\n\n\u003cp\u003eLet\u0026rsquo;s explore why security and fraud risks continue to rise as financial institutions shift operating models deployed in response to the pandemic.\u003c/p\u003e\n\n\u003cdiv class=\"ckeditor-html5-video\" data-responsive=\"true\"\u003e\n\u003cvideo controls=\"controls\" poster=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/6bed098c1323424c8710838ec74491b1.jpg\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/9634bb2b0e75427f80c806480616048e.mp4\" style=\"height:auto; max-width:100%\" width=\"720\"\u003e\u0026nbsp;\u003c/video\u003e\n\u003c/div\u003e\n\n\u003cp\u003e\u003cbr /\u003e\n\u003cstrong\u003eAre you reacting or responding in this post-pandemic world?\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eThe pandemic outbreak was a moment of reckoning for security and fraud prevention programs in the financial services industry. Although many aspired to embark on a digital transformation journey to unify business processes and customer interactions with intelligent risk operations, only a handful were ready in 2020.\u003c/p\u003e\n\n\u003cp\u003eAs most economies were forced into lockdown, CEOs had to promptly react to enable employees\u0026rsquo; remote work, to customers\u0026rsquo; request for virtual support, and respond to rising concerns of business continuity. An unplanned remote workforce implementing weak security frameworks was expected to increase the likelihood of data breaches and incident response times. According to the recent IBM survey \u0026ldquo;\u003ca href=\"https://www.ibm.com/security/digital-assets/cost-data-breach-report/#/\" target=\"_blank\"\u003eCost of a Data Breach Report 2020\u003c/a\u003e\u003cu\u003e,\u003c/u\u003e\u0026rdquo; having a remote workforce was found to increase the average total cost of a $3.86 million data breach by nearly $137,000, for an adjusted average total cost of $4 million.\u003c/p\u003e\n\n\u003cp\u003eThe C-suite has been challenged to blur the imaginary lines separating business benefits from security and fraud prevention practices as customers demand 24/7 digital access to banking in the post-pandemic reality. Knowing fraud and security breaches have become a multidimensional problem, what is needed are \u003cstrong\u003eholistic strategies \u003c/strong\u003ethat combine data across security functions, to predict and respond proactively. The implications of an interconnected environment need to be understood and managed for success by making well-informed risk decisions that drive business performance.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eFinancial crimes are a high risk/high reward business\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eFinancial institutions today are in a position where they can (and should) look back and reevaluate their risk profiles, specifically around cybersecurity and financial crime programs: fraud, counter fraud, know your customer (KYC), and anti-money laundering. Operational activities that were done in haste may have unknowingly enabled an escalation of risk, resulting in significant financial impact.\u003c/p\u003e\n\n\u003cp\u003eCurrent threats span the customer lifecycle, from application and account opening, to payment transactions and non-monetary account changes, harming both the customer confidence and the bank reputation. These current threats include:\u003c/p\u003e\n\n\u003cdiv class=\"btgrid\"\u003e\n\u003cdiv class=\"row row-1\"\u003e\n\u003cdiv class=\"col-md-12\"\u003e\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\n\u003c/div\u003e\n\u003c/div\u003e\n\n\u003cdiv class=\"row row-2\"\u003e\n\u003cdiv class=\"col-md-12\"\u003e\n\u003cdiv class=\"content\"\u003e\n\u003cul\u003e\n\t\u003cli\u003e\u003cstrong\u003eProtecting customer lifecycles in altered operating environments\u003c/strong\u003e. The number of incidents emanating from insiders, especially around theft of credentials, have \u003ca href=\"https://www.ibm.com/security/digital-assets/services/cost-of-insider-threats/#/\"\u003etripled since 2016 from an average of 1 to 3.2 per company\u003c/a\u003e\u003ca href=\"https://www.ibm.com/security/digital-assets/services/cost-of-insider-threats/#/\" target=\"_blank\"\u003e. The average cost has increased from $493,000 to $871,000 in 2019\u003c/a\u003e.\u003c/li\u003e\n\u003c/ul\u003e\n\n\u003cp\u003eAs a hypothetical example, a regional bank with a small online presence allows customers to view account balances, conduct direct deposits, and offers online payment processing. When lockdown restrictions required them to close their doors, several critical functions had to be adjusted, such as identify authentication, onboarding new accounts, and originations for loan applications. However, when customer interactions and operational activities moved to digital, many hastily implemented security processes and controls that could contain easily exploitable vulnerabilities.\u003c/p\u003e\n\u003c/div\u003e\n\u003c/div\u003e\n\u003c/div\u003e\n\n\u003cdiv class=\"row row-3\"\u003e\n\u003cdiv class=\"col-md-12\"\u003e\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\n\u003c/div\u003e\n\u003c/div\u003e\n\n\u003cdiv class=\"row row-4\"\u003e\n\u003cdiv class=\"col-md-12\"\u003e\n\u003cdiv class=\"content\"\u003e\n\u003cul\u003e\n\t\u003cli\u003e\u003cstrong\u003eResponding proactively to cyberattacks in expanded operating environments\u003c/strong\u003e. In our \u0026ldquo;\u003ca href=\"https://www.ibm.com/security/digital-assets/cost-data-breach-report/#/\" target=\"_blank\"\u003eCost of a Data Breach Report 2020\u003c/a\u003e\u003cu\u003e,\u003c/u\u003e\u0026rdquo; we identified that 70% of business respondents report that remote work became a major security consideration and might increase the time to identify and respond to data breaches. The average time to identify and contain a data breach, or the \u0026quot;breach lifecycle,\u0026quot; was already 280 days in 2020.\u003c/li\u003e\n\u003c/ul\u003e\n\n\u003cp\u003eSpeed of containment can significantly impact breach costs, which can linger for years after the incident with significant harm to the firm\u0026rsquo;s reputation. In an uncertain environment of highly complex threats accompanied by information stovepipes, forward-looking executives are investing in capabilities to efficiently identify, evaluate, and manage cyber and fraud-related risks.\u003c/p\u003e\n\u003c/div\u003e\n\u003c/div\u003e\n\u003c/div\u003e\n\n\u003cdiv class=\"row row-5\"\u003e\n\u003cdiv class=\"col-md-12\"\u003e\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\n\u003c/div\u003e\n\u003c/div\u003e\n\n\u003cdiv class=\"row row-6\"\u003e\n\u003cdiv class=\"col-md-12\"\u003e\n\u003cdiv class=\"content\"\u003e\n\u003cul\u003e\n\t\u003cli\u003e\u003cstrong\u003eUnifying business approaches to create value\u003c/strong\u003e. Efficiencies can be gained in fighting financial crime by sharing data and intelligence, and unifying security operations across financial crimes functions. According to PWC\u0026rsquo;s \u003ca href=\"https://www.pwc.com/gx/en/services/forensics/economic-crime-survey.html\" target=\"_blank\"\u003eGlobal Economic Crime and Fraud Survey 2020\u003c/a\u003e, in the past 24 months, US businesses lost a reported $42 billion, with 13% losing more than $50 million.\u003c/li\u003e\n\u003c/ul\u003e\n\n\u003cp\u003eThese numbers are astounding when you think about the bottom line being impacted, in addition to the billions spent on security and compliance. Cybercrime, economic espionage, and state sponsored activities are proving to be too much for the outdated tactics, techniques, and procedures companies have relied upon previously.\u003c/p\u003e\n\u003c/div\u003e\n\u003c/div\u003e\n\u003c/div\u003e\n\n\u003cdiv class=\"row row-7\"\u003e\n\u003cdiv class=\"col-md-12\"\u003e\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\n\u003c/div\u003e\n\u003c/div\u003e\n\u003c/div\u003e\n\n\u003cp\u003e\u003cstrong\u003eFighting financial crimes with AI\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eThe onus to spot financial crimes falls on the banking and financial institutions that can face significant fines for failures to detect, report, and pre-empt criminal activities. Existing approaches and systems typically detect suspicious activities that align to predefined rules and controls. For example, they would detect users sending over a certain amount of funds or sending funds with a certain degree of frequency. Unfortunately, traditional transaction screening systems fail to identify how criminals tend to work today. To fly under the radar, financial criminals often launder funds between multiple and seemingly unrelated accounts, often across institutions and geographies.\u003c/p\u003e\n\n\u003cp\u003eTo combat this trend and tie together suspicious webs and patterns, leading financial services organizations are developing unique AI models that \u003cstrong\u003efuse together criminal patterns\u003c/strong\u003e across institutions. Similar to building a \u0026ldquo;six degrees of separation\u0026rdquo; network, these AI models can detect activity that would otherwise go uncovered. As these algorithms are trained on patterns, not data, they allow banks to share insights while avoiding the dissemination of sensitive data outside of their firewalls in the name of detecting suspicious activity\u0026mdash;further protecting customer privacy and data.\u003c/p\u003e\n\n\u003cp\u003eForward-looking executives who focus their security operations solely on avoiding losses and protecting assets, may fail to see opportunities to achieve business benefits, drive innovation, and mitigate operational resilience challenges. Integrated security and risk management processes unlock business value. Cybersecurity, fraud, and money laundering risk have transcended from capabilities of siloed financial crimes management functions, evolving to a more intelligent risk enterprise.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eConnecting the dots\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eFraud, anti-money laundering, and cybersecurity programs protect the same customers, but often information is not well connected or shared between each group. While each program analyzes a portion of an incident, they may not see all the relationships between behaviors and interactions, increasing the likelihood that bad behavior goes undetected and the bank\u0026rsquo;s business is compromised. It is no longer economically viable to defend the enterprise using isolated risk management techniques.\u003c/p\u003e\n\n\u003cp\u003eMobilizing a financial crimes center becomes a unifying force behind a common goal, reducing costs, process redundancies, duplication of activities, and delivering more informed risk management decisions to combat financial crimes.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eTargeted financial crimes operating model\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003e\u003cimg alt=\"Targeted financial crimes operating model\" height=\"425\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/a956b3122e6548de8cd7b182997e30bc.png\" width=\"740\" /\u003e\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eClosing viewpoint and recommendations\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eI recognize this move toward building a holistic security strategy represents a significant challenge as organizations evolve to collaborate, share data, and leverage data sets and technologies. It requires a clear vision, an actionable path forward for joint understanding, and enforcement of an effective financial crimes fusion center. It demands that cohesive processes, people, and technologies are in place for proactive interventions and that well-informed decisions are made by the right people at the right time.\u003c/p\u003e\n\n\u003cp\u003eHere are my recommended actions for getting started, and aiming for success:\u003c/p\u003e\n\n\u003cdiv class=\"btgrid\"\u003e\n\u003cdiv class=\"row row-1\"\u003e\n\u003cdiv class=\"col-md-12\"\u003e\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\n\u003c/div\u003e\n\u003c/div\u003e\n\n\u003cdiv class=\"row row-2\"\u003e\n\u003cdiv class=\"col-md-12\"\u003e\n\u003cdiv class=\"content\"\u003e\n\u003cul\u003e\n\t\u003cli\u003e\u003cstrong\u003eA unified mission:\u003c/strong\u003e A shift in leadership mindset toward a collaborative and community-driven culture will boost innovation and secure client trust to help improve the firm\u0026rsquo;s competitive advantage.\u003cbr /\u003e\n\t\u0026nbsp;\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003c/div\u003e\n\u003c/div\u003e\n\n\u003cdiv class=\"row row-3\"\u003e\n\u003cdiv class=\"col-md-12\"\u003e\n\u003cdiv class=\"content\"\u003e\n\u003cul\u003e\n\t\u003cli\u003e\u003cstrong\u003eA practical approach\u003c/strong\u003e. Success starts with stakeholder \u0026ldquo;buy-in\u0026rdquo; and can be achieved through implementation of a few, simple minimally viable product use cases that can demonstrate immediate value and return on investment (ROI).\u003cbr /\u003e\n\t\u003cbr /\u003e\n\tMany companies prefer the identification of use cases (Nominal User Behavior by Role, Nominal User Behavior by Session, or Session Trust Score), to guide the overall business architecture, and prioritize initiatives demonstrating immediate value add and operational expense reduction. Recently, one of our European customers was able to drive $21.3 million in loss avoidance and $3.9 million in reduced operating expenses through the implementation of just four use cases.\u003cbr /\u003e\n\t\u0026nbsp;\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003c/div\u003e\n\u003c/div\u003e\n\n\u003cdiv class=\"row row-4\"\u003e\n\u003cdiv class=\"col-md-12\"\u003e\n\u003cdiv class=\"content\"\u003e\n\u003cul\u003e\n\t\u003cli\u003e\u003cstrong\u003eA cloud-based integrated platform and business architecture\u003c/strong\u003e. A strong, open hybrid multicloud foundation leverages systems, tools, and technologies to enable the business of risk management, intelligent risk operations, and data protection across the customer engagement lifecycle.\u003cbr /\u003e\n\t\u0026nbsp;\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003c/div\u003e\n\u003c/div\u003e\n\n\u003cdiv class=\"row row-5\"\u003e\n\u003cdiv class=\"col-md-12\"\u003e\n\u003cdiv class=\"content\"\u003e\n\u003cul\u003e\n\t\u003cli\u003e\u003cstrong\u003eUse of \u0026ldquo;Intelligent\u0026rdquo; insights\u003c/strong\u003e. Implement enhanced analytics and well-informed decision making powered by embedded AI models, and leveraging increasingly open and free data.\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003c/div\u003e\n\u003c/div\u003e\n\u003c/div\u003e\n\n\u003cp\u003eFinancial crimes continue to plague the global economy. In a rapidly changing world, using a cloud-based, integrated platform\u0026mdash;unifying operating models and using data to model \u0026ldquo;intelligent\u0026rdquo; insights\u0026mdash;creates an opportunity to gain competitive advantage. It helps to keep data safe, cybercrime at bay, and makes financial services more accessible to expand operations and improve customer experiences.\u003c/p\u003e\n\n\u003cp\u003eTo learn more about how AI can help fight financial crimes by analyzing high volumes of risk data, I encourage you to download our recent IBV study, \u0026ldquo;\u003ca href=\"https://www.ibm.com/security/artificial-intelligence\" target=\"_blank\"\u003eArtificial intelligence for a smarter kind of cybersecurity\u003c/a\u003e.\u0026rdquo;\u003c/p\u003e\n","approved":true,"image_alt":"Security and fraud risks in banking and financial markets","thumbnail_alt":"Security and fraud risks in banking and financial markets","hideRelatedBlogs":false,"createdAt":"2021-03-19T01:08:48.007Z","updatedAt":"2022-10-30T04:11:04.600Z","author":[{"id":734,"name":"Corey Hamilton","email":"Corey.Hamilton@ibm.com","twitter":"","facebook":"","linkedin":"https://www.linkedin.com/in/coreyahamilton/","featured":false,"priority":0,"title":"Partner, Financial Services, Global Security Services, IBM","image_alt":"Corey Hamilton","place_of_employment":"","bio":"","createdAt":"2021-03-21T03:46:59.174Z","updatedAt":"2022-10-30T22:27:38.053Z","image":{"id":3246,"name":"ArtqLkab6Mn_2EsLhvY1lh1M","alternativeText":null,"caption":null,"width":null,"height":null,"formats":null,"hash":"7f8ea765087e4b1f8094635c9464330b","ext":".jpg","mime":"image/jpeg","size":23.46,"url":"/thought-leadership/institute-business-value/uploads/en/7f8ea765087e4b1f8094635c9464330b.jpg","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2021-03-21T03:47:57.244Z","updatedAt":"2021-03-21T03:47:57.259Z"}}],"image":{"id":7449,"name":"092d3dd4d7464b3990f448fad60b3a06.webp","alternativeText":null,"caption":null,"width":2000,"height":563,"formats":null,"hash":"092d3dd4d7464b3990f448fad60b3a06_5235387504","ext":".webp","mime":"image/webp","size":142.49,"url":"/thought-leadership/institute-business-value/uploads/en/092d3dd4d7464b3990f448fad60b3a06_5235387504","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:21:20.996Z","updatedAt":"2022-03-06T10:21:21.305Z"},"thumbnail":{"id":6426,"name":"7a7f674fa5d249dbb04acdbb27e09ddd.webp","alternativeText":null,"caption":null,"width":729,"height":359,"formats":null,"hash":"7a7f674fa5d249dbb04acdbb27e09ddd_326734df12","ext":".webp","mime":"image/webp","size":49.16,"url":"/thought-leadership/institute-business-value/uploads/en/7a7f674fa5d249dbb04acdbb27e09ddd_326734df12","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:21:06.292Z","updatedAt":"2022-03-06T10:21:06.341Z"},"mlinks":null,"assets":[]},{"id":77,"slug":"operational-resilience-banking-financial-markets","title":"Operational resilience challenges in banking and financial markets","subtitle":"","date":"2021-03-10T13:00:00.000Z","blurb":"With mid- and post-pandemic uncertainty, financial services CEOs and senior managers are learning the importance of digitizing at a faster speed.\n","content":"\u003cp\u003eAt the beginning of the year, I was invited by the IBM Institute for Business Value (IBV) to join 44 IBM global experts \u0026mdash; members of \u003ca href=\"https://www.ibm.com/industries/industry-academy\" target=\"_blank\"\u003eIndustry Academy\u003c/a\u003e and \u003ca href=\"https://www.ibm.com/blogs/academy-of-technology/about/\" target=\"_blank\"\u003eAcademy of Technology\u003c/a\u003e \u0026mdash; to reflect on key trends driving investments and actions in 2021. We identified eight trends that will dominate, and push banking and financial markets leaders to take action toward new cloud-based business architectures:\u003c/p\u003e\n\n\u003cul\u003e\n\t\u003cli\u003eMuted financial performance\u003c/li\u003e\n\t\u003cli\u003eAccelerated digital adaptation\u003c/li\u003e\n\t\u003cli\u003eNew cloud-based business architectures\u003c/li\u003e\n\t\u003cli\u003eEscalating competition\u003c/li\u003e\n\t\u003cli\u003e\u003cstrong\u003eOperational resilience challenges\u003c/strong\u003e\u003c/li\u003e\n\t\u003cli\u003eIncreasing open and free data\u003c/li\u003e\n\t\u003cli\u003eSecurity and fraud risks\u003c/li\u003e\n\t\u003cli\u003eNew ways of working.\u003c/li\u003e\n\u003c/ul\u003e\n\n\u003cp\u003eLet\u0026rsquo;s explore together the challenges of operational resilience as everyone\u0026rsquo;s responsibility.\u003c/p\u003e\n\n\u003cdiv class=\"ckeditor-html5-video\" data-responsive=\"true\"\u003e\n\u003cvideo controls=\"controls\" poster=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/b49473029ca54028a36a13a4aa9a0480.jpg\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/72831f1d06f44508aa5c1d90594a69c2.mp4\" style=\"height:auto; max-width:100%\" width=\"700\"\u003e\u0026nbsp;\u003c/video\u003e\n\u003c/div\u003e\n\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\n\n\u003cp\u003eWith mid- and post-pandemic uncertainty, financial services CEOs and senior managers are learning the importance of digitizing at a faster speed. Leaders are also being proactive and anticipating impacts on their businesses. Business continuity plans are being revised and cybercrime is up significantly.\u003c/p\u003e\n\n\u003cp\u003eNo firm is immune to disruptions. Outages in the financial services industry occur more often than governments, regulators, and boards are comfortable with (see Reuters article, \u003ca href=\"https://www.reuters.com/article/euronext-stocks-outages-factbox-int/factbox-from-hungry-squirrels-to-cyberattacks-exchange-outages-roil-markets-idUSKBN27501U\" target=\"_blank\"\u003e\u0026ldquo;Factbox: From hungry squirrels to cyberattacks, exchange outages roil market\u003c/a\u003e\u0026rdquo; for some public examples).\u003c/p\u003e\n\n\u003cp\u003eFrom a controls point-of-view, this acceleration introduces new risks, and it has never been more important to:\u003c/p\u003e\n\n\u003cul\u003e\n\t\u003cli\u003eHave strict evidence-based practices\u003c/li\u003e\n\t\u003cli\u003eHave a traceable, expeditious means for handover and delegation of processes\u003c/li\u003e\n\t\u003cli\u003eComply with stricter cloud and other outsourcing obligations\u003c/li\u003e\n\t\u003cli\u003eFocus on potentially winding down business and engage in exit planning for your organization, as well as key suppliers, in the event of failure.\u003c/li\u003e\n\u003c/ul\u003e\n\n\u003cp\u003eAn everlasting barrage of new regulation is coming in 2021 as many regulators are tightening industry standards to withstand the effects of pandemics, cyber events, natural disasters, and technology failures. For example, \u003ca href=\"https://www.bankofengland.co.uk/news/2018/july/discussion-paper-building-the-uk-financial-sectors-operational-resilience\" target=\"_blank\"\u003ediscussion papers are available\u003c/a\u003e from the UK\u0026rsquo;s Prudential Regulation Authority (PRA), Financial Conduct Authority (FCA), and Bank of England (BOE) on operational resilience.\u003c/p\u003e\n\n\u003cp\u003eAlso in the European Union (EU), the \u003ca href=\"https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX%3A52020PC0595\" target=\"_blank\"\u003eDigital Operational Resilience Act\u003c/a\u003e (DORA), was recently announced as part of the new digital finance strategy, which is designed to \u0026ldquo;consolidate and upgrade information and communication technology (ICT) risk requirements\u0026rdquo; across financial entities to ensure all firms are \u0026ldquo;subject to a common set of standards to mitigate ICT risks.\u0026rdquo; \u003ca href=\"https://www.bis.org/bcbs/publ/d509.htm\" target=\"_blank\"\u003eThe Bank for International Settlements\u003c/a\u003e itself, which coordinates work globally for the banking industry, is planning to create its own standards.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eOperational excellence and resilience in an increasingly interdependent and complex world\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eWe know the world is more interconnected than ever. There are more technology domains appearing and new technologies being created, resulting in a limited pool of skilled workers in a competitive financial services environment. There is a constant need to adapt to change with people, processes, technologies, services and suppliers also all presenting risks to organizations.\u003c/p\u003e\n\n\u003cp\u003eFinancial markets are the backbone of the overall economic system. There is a clear obligation to fulfil the expectations of the market, shareholders, governments, and regulators. Their failure could disrupt the ability to supply goods and services and impact the pace of economic activities. But really, it is about people. If a cash/payments system goes wrong, someone doesn\u0026rsquo;t get paid. Then that person can\u0026rsquo;t meet their financial obligations, can\u0026rsquo;t buy food, can\u0026rsquo;t buy medicine, triggering a potential domino effect.\u003c/p\u003e\n\n\u003cp\u003eBusinesses may never feel totally comfortable because there will always be changes that threaten to hinder resilience outcomes. Therefore, it is critical to learn from near misses, incidents, and service outages. Financial institutions have to continuously invest and evolve to tame an increasing trend of diverse disruptions.\u003c/p\u003e\n\n\u003cp\u003eFor example, as reported by the Reserve Bank of Australia (RBA) in 2020, the number of \u003ca href=\"https://www.rba.gov.au/publications/annual-reports/psb/2020/pdf/2020-psb-annual-report.pdf\" target=\"_blank\"\u003ebanking outages surged to about 2,300 total hours in Australia\u003c/a\u003e, and the number is up over each of the past three years, from less than 1,000 incidents in 2017.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eOutages in Australian retail payments\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003e\u003cimg alt=\"Outages in Australian retail payments\" height=\"698\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/cde6f63b7b9e421c94b2600260a8d8e8.png\" width=\"720\" /\u003e\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eA key challenge in financial services exists because the industry is highly interconnected and dynamic in nature, whether that be cash flows, securities movements, or other technology dependencies. Financial regulators in the UK, for example, recognize the \u0026ldquo;\u003cstrong\u003esystem of systems\u003c/strong\u003e\u0026rdquo; complexity within an organization. Therefore, there is a unique need to define and map important business services.\u003c/p\u003e\n\n\u003cp\u003eFinancial institutions need to consider the chain of activities that make up an important business service, from taking on an obligation to delivery of the service. They must also determine which part of the chain is critical to delivery. Regulators require that all resources necessary to deliver each part of the service be operationally resilient.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eHow and when to address operational resilience?\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eIdeally, efforts to improve operational resilience are considered a common, business-as-usual function. Financial services institutions will always be confronted with trigger points. For example:\u003c/p\u003e\n\n\u003cul\u003e\n\t\u003cli\u003eA significant outage to a critical service after an upgrade that didn\u0026rsquo;t go as planned\u003c/li\u003e\n\t\u003cli\u003eExternal scrutiny from regulators leads to a full reassessment of policies and practices\u003c/li\u003e\n\t\u003cli\u003eA change in management invites a reassessment of C-suite awareness of resilience\u003c/li\u003e\n\t\u003cli\u003eA new business or a change in technology \u0026mdash; for example, migrating business critical workflows to cloud \u0026mdash; can require reprioritizing resilience practices.\u003c/li\u003e\n\u003c/ul\u003e\n\n\u003cp\u003eFinancial services institutions need to examine typical causes of operational disruption and regularly consider how best to invest time and resources to improve. The \u003ca href=\"https://www.nist.gov/cyberframework\" target=\"_blank\"\u003eNational Institute of Standards and Technology\u003c/a\u003e (NIST) offers a framework that helps organizations get started with a capability assessment to identify, prevent, detect, respond, and recover from cyber incidents. This type of framework fosters communication between technical teams and business stakeholders. It helps to develop an organizational understanding of managing cybersecurity risk across systems, people, assets, data, and capabilities. It is just as relevant for operational resilience as it is purely for cyber-resilience.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eWho addresses operational resilience?\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eOperational resilience should not be considered a point-in-time activity, but instead part of a cornerstone set of principles and behaviours within the firm\u0026rsquo;s DNA and culture. It must be considered \u003cstrong\u003eeveryone\u0026rsquo;s responsibility\u003c/strong\u003e, and planning starts at the top of the firm. A board wants actions and progress across the business, and enforcement of a unified approach to achieve resilient services. This should translate to senior level engagement and critical thinking across the organization, resulting in appropriate investments, accountability, and continuous oversight.\u003c/p\u003e\n\n\u003cp\u003eBecause operational resilience is linked to change, financial institutions should perform continuous assessments and constantly adapt to defeat new threats and enact new solutions. A few people can understand a system in detail, but even fewer can truly understand the complexities of a business and technical \u0026ldquo;system of systems.\u0026rdquo; Therefore, navigating the uncharted waters of operational resilience requires financial firms to:\u003c/p\u003e\n\n\u003cul\u003e\n\t\u003cli\u003eStart planning at the top of the firm\u003c/li\u003e\n\t\u003cli\u003eEstablish operational resilience as an ongoing business-as-usual activity\u003c/li\u003e\n\t\u003cli\u003eEncourage everyone to play their parts.\u003c/li\u003e\n\u003c/ul\u003e\n\n\u003cp\u003e\u003cstrong\u003eAn action guide to succeed in the operational resilience journey\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eI encourage and recommend a consistent set of actions founded on three pillars:\u003c/p\u003e\n\n\u003cul\u003e\n\t\u003cli\u003e\u003cstrong\u003eTake an organizational perspective.\u003c/strong\u003e Put sufficient operational resilience expertise at the board level. Senior management should demonstrate measurable progress and implement appropriate KPIs for execution and control.\u003c/li\u003e\n\t\u003cli\u003e\u003cstrong\u003ePrioritize a shared culture and common understanding.\u003c/strong\u003e Use a multidimensional operational resilience framework as a guide to establish better practices among people, process, governance, and technology domains.\u003c/li\u003e\n\t\u003cli\u003e\u003cstrong\u003eSeek an external independent market perspective.\u003c/strong\u003e\u003cstrong\u003e \u003c/strong\u003eSeek alternative, independent views from similar organizations and adjacent industries to complement your in-house expertise.\u003c/li\u003e\n\u003c/ul\u003e\n\n\u003cp\u003eOperational resilience is a critical component of a financial institution\u0026rsquo;s value proposition. Successful operational resilience is not a program, but a business-as-usual capability, supported with investment in skills and technology that empower everyone in the ecosystem.\u003c/p\u003e\n\n\u003cp\u003eFor additional insights about how to consider resilience in the new age of risk where amplified risk and overlapping disruptions demand a new approach to strategy development, I encourage you to download the recent IBV paper, \u0026ldquo;\u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/report/risk-and-resilience\" target=\"_blank\"\u003eResilience in the new age of risk\u003c/a\u003e.\u0026rdquo;\u003c/p\u003e\n","approved":true,"image_alt":"","thumbnail_alt":"","hideRelatedBlogs":false,"createdAt":"2021-03-09T20:49:38.961Z","updatedAt":"2022-03-06T10:21:12.429Z","author":[{"id":699,"name":"Andrew Graham","email":"andrew.graham@uk.ibm.com","twitter":"","facebook":"","linkedin":"https://www.linkedin.com/in/andygraham/","featured":false,"priority":0,"title":"Distinguished Engineer and Executive IT Architect, IBM Global Markets","image_alt":"Andrew Graham","place_of_employment":"","bio":"","createdAt":"2021-03-09T21:17:51.299Z","updatedAt":"2021-03-09T21:28:48.971Z","image":{"id":3670,"name":"igkctqM5gs3cm-8jyVzuE8l2","alternativeText":null,"caption":null,"width":null,"height":null,"formats":null,"hash":"fd9ee0d5b38d4bbe80c488cb6851d9e4","ext":".jpg","mime":"image/jpeg","size":82.11,"url":"/thought-leadership/institute-business-value/uploads/en/fd9ee0d5b38d4bbe80c488cb6851d9e4.jpg","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2021-03-09T21:24:17.884Z","updatedAt":"2021-03-09T21:24:17.898Z"}}],"image":{"id":7068,"name":"a52c592a72f6430cbf857a4eff32dde1.webp","alternativeText":null,"caption":null,"width":2000,"height":500,"formats":null,"hash":"a52c592a72f6430cbf857a4eff32dde1_753fe4f99a","ext":".webp","mime":"image/webp","size":46.25,"url":"/thought-leadership/institute-business-value/uploads/en/a52c592a72f6430cbf857a4eff32dde1_753fe4f99a","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:21:12.360Z","updatedAt":"2022-03-06T10:21:12.415Z"},"thumbnail":{"id":6980,"name":"d09e919708d445bdb0c576d2ed0ce917.webp","alternativeText":null,"caption":null,"width":729,"height":359,"formats":null,"hash":"d09e919708d445bdb0c576d2ed0ce917_eb3a812e40","ext":".webp","mime":"image/webp","size":12.25,"url":"/thought-leadership/institute-business-value/uploads/en/d09e919708d445bdb0c576d2ed0ce917_eb3a812e40","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:21:01.889Z","updatedAt":"2022-03-06T10:21:01.932Z"},"mlinks":null,"assets":[]},{"id":95,"slug":"women-leadership-2021-blog","title":"Women, leadership, and missed opportunities: Executive point of view","subtitle":"","date":"2021-03-08T13:00:00.000Z","blurb":"The events of the past year exacerbated existing gender and diversity inequities in leadership ranks, but organizations can take steps to course correct.\n","content":"\u003cp\u003eThe shock rippled into virtually every corner of the globe\u0026mdash;a sudden jolt and then a year of unfolding upheaval. Since the start of 2020, the pandemic has disrupted the world economy and the lives of countless people. It did so with a force of historic proportion, though not in equal measure.\u003c/p\u003e\n\n\u003cp\u003eA particularly withering blow was dealt to working women, with millions cleaved from the global labor force over a single year. In the US alone, \u003ca href=\"https://www.forbes.com/sites/maggiemcgrath/%202021/01/12/american-women-lost-more-than-5-million-jobs-in-2020/?sh=700af14b2857\" target=\"_blank\"\u003emore than 5 million women were pushed from their jobs\u003c/a\u003e, putting female participation in the workforce at its lowest rate since 1988.\u003c/p\u003e\n\n\u003cp\u003eIn \u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/report/women-leadership-2021\" target=\"_blank\"\u003eour new report\u003c/a\u003e, we examined leadership ranks across 10 industries and 9 geographic regions. What we found should set off alarm bells. Advancing women is not a top priority for the majority of global organizations. Employees feel \u0026ldquo;gender equity\u0026rdquo; fatigue over ineffective programmatic efforts to address the problem. And there is a clear need for new models of empathetic leadership.\u003c/p\u003e\n\n\u003cp\u003eFor years, studies\u0026mdash;\u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/report/womeninleadership\" target=\"_blank\"\u003eincluding our own\u003c/a\u003e\u0026mdash;have called attention to the systemic barriers to career advancement facing women. Still, the percentage of women in top leadership roles has not budged. There are fewer women in the pipeline today than in 2019, a situation made worse by the pandemic.\u003c/p\u003e\n\n\u003cp\u003eWe are releasing \u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/report/women-leadership-2021\" target=\"_blank\"\u003ethe findings of this report\u003c/a\u003e on International Women\u0026rsquo;s Day 2021. Though it is my hope that in the future we will not need designated days to raise awareness about the importance of women in the workforce. Rather, they will represent moments to celebrate women\u0026rsquo;s achievements.\u003c/p\u003e\n\n\u003cp\u003eAs organizations become more serious about achieving gender equity among their leadership teams, they will realize good intentions are not good enough. The time to act is now. This is the year organizations must commit to moving from talk to action, from action to accountability, and from accountability to results.\u003c/p\u003e\n\n\u003cp\u003eWithout a doubt, the events of the past year exacerbated existing gender and diversity inequities in leadership ranks. But they also present businesses with a golden opportunity to course correct and deliver exponential impact. Doing so will carve a brighter path for women, for men, and for a recovering global economy now and far into the future.\u003c/p\u003e\n\n\u003cp\u003e\u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/report/women-leadership-2021\" target=\"_blank\"\u003eRead the full report.\u003c/a\u003e\u003c/p\u003e\n","approved":true,"image_alt":"Women, leadership, and missed opportunities: Executive point of view","thumbnail_alt":"Women, leadership, and missed opportunities: Executive point of view","hideRelatedBlogs":false,"createdAt":"2021-03-06T12:16:15.729Z","updatedAt":"2022-03-06T10:21:03.026Z","author":[{"id":147,"name":"Bridget van Kralingen","email":"","twitter":"","facebook":"","linkedin":"https://www.linkedin.com/in/bridget-van-kralingen-89524415","featured":false,"priority":0,"title":"Senior Vice President, Global Industries, Platforms and Blockchain","image_alt":"Bridget van Kralingen","place_of_employment":"","bio":"","createdAt":"2018-12-14T23:50:41.109Z","updatedAt":"2022-10-30T05:09:12.484Z","image":{"id":3419,"name":"l-vMMZQt-J8BmWtl9oM1vY7D","alternativeText":null,"caption":null,"width":null,"height":null,"formats":null,"hash":"e504bba899934213bb54026b53a17447","ext":".jpg","mime":"image/jpeg","size":71.33,"url":"/thought-leadership/institute-business-value/uploads/en/e504bba899934213bb54026b53a17447.jpg","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2021-03-06T13:15:54.688Z","updatedAt":"2021-03-06T13:15:54.701Z"}}],"image":{"id":6121,"name":"c1464932738d4266865cdd92f1803b0a.webp","alternativeText":null,"caption":null,"width":2000,"height":500,"formats":null,"hash":"c1464932738d4266865cdd92f1803b0a_2c92575e50","ext":".webp","mime":"image/webp","size":22.18,"url":"/thought-leadership/institute-business-value/uploads/en/c1464932738d4266865cdd92f1803b0a_2c92575e50","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:21:02.948Z","updatedAt":"2022-03-06T10:21:03.021Z"},"thumbnail":{"id":6527,"name":"56a9ab2ca23c495f93e99e01c1e3d673.webp","alternativeText":null,"caption":null,"width":729,"height":359,"formats":null,"hash":"56a9ab2ca23c495f93e99e01c1e3d673_413fa95b2c","ext":".webp","mime":"image/webp","size":18.76,"url":"/thought-leadership/institute-business-value/uploads/en/56a9ab2ca23c495f93e99e01c1e3d673_413fa95b2c","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:20:53.743Z","updatedAt":"2022-03-06T10:20:53.831Z"},"mlinks":{"id":152,"prompt":"womeninleadership","offer1":"IBM is helping clients transform their talent acquisition strategy and process so they can achieve their corporate vision for a diverse and inclusive workplace.","action1":"Talent Acquisition Services","link1":"https://www.ibm.com/consulting/talent-management","offer2":"Be Equal champions diversity and inclusion for everyone. Join us as we drive systemic, sustainable improvement for people in every community.","action2":"Learn about IBM's commitment to diversity and inclusion","link2":"https://www.ibm.com/impact/be-equal/","offer3":"P-TECH is a public education model that provides high school students from underserved backgrounds with the academic, technical, and professional skills and credentials they need for competitive STEM jobs.","action3":"Learn about the P-TECH education model","link3":"https://www.ibm.org/initiatives/p-tech","locale":"en-us","createdAt":"2019-04-06T03:09:03.214Z","updatedAt":"2023-12-13T18:48:10.204Z"},"assets":[]},{"id":68,"slug":"muted-financial-performance-banking-financial-markets","title":"Muted financial performance in banking and financial markets","subtitle":"","date":"2021-02-24T13:00:00.000Z","blurb":"Muted financial performance will drive structural cost reduction, industry consolidation, and a search for new revenue streams.\n","content":"\u003cp\u003eAt the beginning of the year, the IBM Institute for Business Value (IBV) invited 44 IBM global experts\u0026mdash;members of the \u003ca href=\"https://www.ibm.com/industries/industry-academy\" target=\"_blank\"\u003eIndustry Academy\u003c/a\u003e and \u003ca href=\"https://www.ibm.com/blogs/academy-of-technology/about/\" target=\"_blank\"\u003eAcademy of Technology\u003c/a\u003e\u0026mdash;to reflect on key trends driving actions and investments across the industry in 2021. We identified\u003cstrong\u003e\u0026nbsp;\u003c/strong\u003ethe following top themes\u0026nbsp;that will dominate and push banking and financial markets leaders to act:\u003c/p\u003e\n\n\u003cul\u003e\n\t\u003cli\u003e\u003cstrong\u003eMuted financial performance\u003c/strong\u003e\u003c/li\u003e\n\t\u003cli\u003eAccelerated digital adaptation\u003c/li\u003e\n\t\u003cli\u003eNew cloud-based business architectures\u003c/li\u003e\n\t\u003cli\u003eEscalating competition\u003c/li\u003e\n\t\u003cli\u003eOperational resilience challenges\u003c/li\u003e\n\t\u003cli\u003eIncreasing open and free data\u003c/li\u003e\n\t\u003cli\u003eSecurity and fraud risks\u003c/li\u003e\n\t\u003cli\u003eNew ways of working\u003c/li\u003e\n\u003c/ul\u003e\n\n\u003cp\u003eIn reviewing the first theme, the industry\u0026rsquo;s muted financial performance will drive structural cost reduction, a search for new revenue streams, and improved capital efficiency.\u003c/p\u003e\n\n\u003cp\u003eThe financial performance of the global banking industry remains muted as it tackles a recessionary environment, low interest rates, the expectation of rising non-performing loans, and other macroeconomic events (including, Brexit, China-US tensions, and lockdowns). The structural weaknesses of many financial institutions have translated into poor financial performance across many key industry metrics.\u003c/p\u003e\n\n\u003cp\u003eFor example, the industry\u0026rsquo;s overall return-on-equity has been below its cost-of-equity since the global financial crisis in 2008. According to a recent report by the Bank of International Settlement (see, \u0026ldquo;\u003ca href=\"https://www.bis.org/publ/work907.pdf\" target=\"_blank\"\u003eLow price-to-book ratios and bank dividend payout policies\u003c/a\u003e\u0026rdquo;), this is reflected in current market valuations. The industry\u0026rsquo;s price-to-book has traded at a discount to the average of other industries since the financial crisis, and as much as a 50% discount recently.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eQuarterly price to book ratio of major international banks from 2000 to 2020\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003e\u003cimg alt=\"Quarterly price to book ratio of major international banks from 2000 to 2020\" height=\"657\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/1fbe80cc2ca04d99a87b1f25e6f95c6b.png\" width=\"720\" /\u003e\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eMost banks still traded at a significant discount since 2008 compared to non-banking and cloud-native financial competitors, and their valuations continued to diverge during the pandemic. European banks appear most disadvantaged compared to many other regions. In early January 2021, the \u003ca href=\"https://www.stoxx.com/index-details?symbol=SX7E\" target=\"_blank\"\u003eEURO STOXX Banks index\u003c/a\u003e was down almost 85% compared to its peak in 2008.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eA fragile economic recovery\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eDuring the pandemic, protracted under-performance has been compounded by a decline in revenues and rising loan loss provisions in virtually all economies.\u003c/p\u003e\n\n\u003cp\u003eA global increase in impairments and provisions has already affected bank net profits in 2020, as evidenced in the Euro zone by the European Central Bank (see, \u0026ldquo;\u003ca href=\"http://www.bankingsupervision.europa.eu/press/pr/date/2020/html/ssm.pr201006~e14289abd6.en.html\" target=\"_blank\"\u003eSupervisory banking statistics for the second quarter of 2020\u003c/a\u003e\u0026rdquo;). Although non-performing loan (NPL) ratios had been declining globally after the height of the global financial crisis (GFC), that financial institutions took substantial loan loss provisions in the first three quarters of 2020.\u003c/p\u003e\n\n\u003cp\u003eThe industry has not yet taken significant actual write-offs due to government stimulus actions and forbearance programs designed to support individuals and businesses. However, loan losses are likely to materialize in almost every segment of the industry including credit cards, commercial real estate, and small businesses.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eNonperforming total loans (NPL) ratios for US banks\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003e\u003cimg alt=\"Nonperforming total loans (NPL) ratios for US banks\" height=\"301\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/c6ecc4061b2747bba8e5f238d6bf81f9.png\" width=\"720\" /\u003e\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eNonperforming total loans (NPL) allowances of US banks\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003e\u003cimg alt=\"Nonperforming total loans (NPL) allowances of US banks\" height=\"308\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/5b2c15a3b2c648cdb7ef100f6531ab87.png\" width=\"720\" /\u003e\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eA gloomy outlook for a further dip in revenues through a recessionary economic cycle is reinforcing concerns of poor return on equity (ROE) performance in 2021.\u003c/p\u003e\n\n\u003cp\u003eNotwithstanding the many weaknesses, banks appear better equipped and in a stronger capital position compared to 2008, partly because of regulatory reforms implemented in the last decade, operational transformation initiatives, and a protracted effort to de-risk credit portfolios. We learned from the GFC that financial institutions which reacted quickly and took decisive operational and financial actions, achieved faster recovery in financial performance.\u003c/p\u003e\n\n\u003cp\u003eWhile financial institutions have endeavored to diversify away from lending-driven revenues, credit continues to be a mainstay for the industry. As reported in the US \u003ca href=\"https://fred.stlouisfed.org/series/USNIM\" target=\"_blank\"\u003eFederal Reserve statistics\u003c/a\u003e, net interest margins for US banks have halved in the last 15 years, from almost 5% in 1994 to a meager 2.8% at the end of 2020. The decades-long compression of net interest margins was accelerated during the pandemic, creating an urgency for the industry to find new sources of revenue.\u003c/p\u003e\n\n\u003cp\u003eThe current business and technical architectures of many financial institutions is simply not designed to respond to a challenged macroeconomic environment with a new competitive landscape. They must drive transformational changes to their business and operating models to deliver ROE expectations of investors.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eLeading institutions take actions to emerge stronger\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eBanks can steer returns to acceptable levels by focusing on the three following areas: new revenue streams, radical cost reduction, and improved capital efficiency and risk management.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003e1. Search for revenue growth\u003c/strong\u003e. Net interest income has always been a core driver of the industry\u0026rsquo;s revenues. However, central banks\u0026rsquo; expectation of a long period of low-to-negative interest rates is inducing a severe erosion of net interest income. To mitigate margin compression, banks can focus across several areas:\u003c/p\u003e\n\n\u003cul\u003e\n\t\u003cli\u003e\u003cstrong\u003eTargeting fee-based services around customer needs. \u003c/strong\u003eA clear imperative is to create \u003cstrong\u003ecustomer-centric, fee-based income streams\u003c/strong\u003e. This may be achieved by developing a deeper understanding of clients to gain more accurate insights into their financial needs. As an example of this type of move, \u003ca href=\"https://eminetra.co.za/standard-bank-shifts-to-customer-centric-with-executive-shake-up/60071/\" target=\"_blank\"\u003eStandard Bank\u003c/a\u003e is digitizing its systems to fend off fintech companies invading its customer base with a redesigned management structure split into customer focused segments\u0026mdash;consumers, high net worth individuals, and wholesale client business\u0026mdash;to develop more segment specific propositions.\u003c/li\u003e\n\t\u003cli\u003e\u003cstrong\u003eCapturing value beyond banking. \u003c/strong\u003eDigital platform players have realized the power of building around customer ecosystems, reducing friction across industry value chains to deliver on customer needs. Financial institutions can learn\u0026mdash;by going beyond banking\u0026mdash;to integrate their products and services into customer ecosystem platforms. Building or participating in platform business models allows financial institutions to capture a greater share of the broader value incorporated into ecosystems. For example, \u003ca href=\"https://www.dbs.com.sg/personal/marketplace/\" target=\"_blank\"\u003eDBS\u003c/a\u003e has launched several marketplaces to serve property, travel, cars, and utilities ecosystems. And the\u0026nbsp;State Bank of\u0026nbsp;India\u0026rsquo;s \u003ca href=\"https://www.sbiyono.sbi/index.html\" target=\"_blank\"\u003eYONO\u003c/a\u003e (You-Only-Need-One) application connects to non-banking client journeys offering lifestyle products. Clients can onboard to a digital bank with access to a financial superstore for investments and other services, all connected end-to-end by analytics.\u003c/li\u003e\n\t\u003cli\u003e\u003cstrong\u003eOptimizing funding.\u003c/strong\u003e Banks can improve their net interest income revenues by seeking ways to lower funding costs through improving stability of their deposit base and minimizing liquidity buffers.\u003c/li\u003e\n\u003c/ul\u003e\n\n\u003cp\u003e\u003cstrong\u003e2. Radically and structurally reduce costs\u003c/strong\u003e. The improved maturity and accelerated adoption of exponential technologies has created more potential value and business opportunities for banks with an \u003cstrong\u003eopen hybrid multicloud architecture \u003c/strong\u003e(see, \u0026ldquo;\u003ca href=\"https://ibm.co/banking-hybrid-multicloud\"\u003eBanking on Open Hybrid Multicloud\u003c/a\u003e\u0026rdquo;). This move to a modular architecture allows banks to scale to demand with higher automation, platform-oriented interactions, cloud-native interoperability, and agile configurations.\u003c/p\u003e\n\n\u003cp\u003eSpecific ways financial institutions can reduce costs with technology include:\u003c/p\u003e\n\n\u003cul\u003e\n\t\u003cli\u003e\u003cstrong\u003eAccelerating digitization of engagement. \u003c/strong\u003e\u0026nbsp;Accelerating the digitization of customer engagement and the reconfiguration of branch networks and contact centers can deliver a significant reduction in distribution costs while responding to changed customer behaviors and expectations.\u003c/li\u003e\n\t\u003cli\u003e\u003cstrong\u003eImplementing intelligent workflows.\u003c/strong\u003e Aligning data, customer experience, and technologies can reduce or eliminate the use of traditional processes (such as, design for no operations). This can create intelligent workflows that leverage cognitive tools to enhance automation paths and enable authorization across multiple devices to enhance the employee and customer experience.\u003c/li\u003e\n\t\u003cli\u003e\u003cstrong\u003eModernizing the application portfolio.\u003c/strong\u003e Cost and complexity are the main inhibitors when approaching modernization of legacy applications. Leveraging next generation DevOp tools, accelerators, and artificial intelligence (AI)-driven automation for more seamless application management, financial institutions can drive the modernization of existing applications and infrastructure to create the development and deployment of workloads that run on any computer platforms.\u003c/li\u003e\n\t\u003cli\u003e\u003cstrong\u003eMigrating to open hybrid multicloud architecture.\u003c/strong\u003e Hybrid cloud architectures can release the value of trapped data and functionality, along with handling the transition between old and new applications on multiple compute platforms. Hybrid cloud can also de-risk architectural choices through \u0026ldquo;build once, deploy anywhere\u0026rdquo; approaches.\u003c/li\u003e\n\t\u003cli\u003e\u003cstrong\u003eLowering costs with new collaboration models.\u003c/strong\u003e Banks are shifting from the traditional front-office and back-office working models to multidisciplinary teams of employees, subcontractors, vendors, partners, and automated robots working together in new collaboration models, accelerated by remote working. New working models enable greater employee productivity at lower costs.\u003c/li\u003e\n\u003c/ul\u003e\n\n\u003cp\u003e\u003cstrong\u003e3. Improve capital efficiency\u003c/strong\u003e. Facing macroeconomic uncertainty and a fast-evolving industry structure, financial institutions are asked to deploy improved capital management capabilities to make tactical and strategic decisions on their business portfolio. They are steering credit exposures to appropriate levels of risk appetite, improving asset-liability management, calibrating risk models to the emergence of a new economic and financial normal, better risk management of credit exposures, and planning for sustainable capital management.\u003c/p\u003e\n\n\u003cp\u003eConventional sources of data to support risk-based decision making became meaningless overnight due to the pandemic outbreak and its impact on global economies and capital markets. New unstructured data points and the real-time monitoring of client behavior and interactions became even more important. Banks embracing new data-driven processes and forward-looking approaches to credit risk management might gain clear competitive advantage.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eLooking beyond the pandemic\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eIn contrast to the overall financial services industry,\u003cstrong\u003e \u003c/strong\u003ecloud-native institutions and payment providers are emerging stronger from the pandemic.\u003cstrong\u003e \u003c/strong\u003eThese types of businesses, along with\u003cstrong\u003e \u003c/strong\u003enew entrants, are equipped \u003ca href=\"https://www.antfin.com/exploration.htm\" target=\"_blank\"\u003ewith the latest AI and cloud technologies\u003c/a\u003e and can deliver services faster and at a lower cost per transaction, which has increased the urgency to modernize for many organizations.\u003c/p\u003e\n\n\u003cp\u003e\u003cem\u003eSegments that did well\u003c/em\u003e\u003c/p\u003e\n\n\u003cp\u003eAccording to \u003ca href=\"https://www.ft.com/content/f8251e5f-10a7-4f7a-9047-b438e4d7f83a\" target=\"_blank\"\u003eThe Financial Times\u003c/a\u003e,\u003cstrong\u003e \u003c/strong\u003eonly two financial services firms ranked in the top 15 large companies in terms of rising market cap in 2020: Visa and PayPal. Both companies are seeking to embed themselves in new business models. Most financial institutions underperformed, with the bottom 15 featuring a set of well-known names among tier one financial institutions.\u003c/p\u003e\n\n\u003cp\u003e\u003cem\u003ePayment providers lead with digital transformation\u003c/em\u003e\u003c/p\u003e\n\n\u003cp\u003eDemands for better customer experiences or cost reduction are fuelling the need to modernize and digitally transform. For example, consumers have an expectation that digital payments can be immediately fulfilled using any device, network, and channel. Competition and regulators have reduced processing fees, and corporate treasurers are increasingly expecting better experiences from faster payments and richer data, thereby making liquidity management easier and more transparent.\u003c/p\u003e\n\n\u003cp\u003e\u003cem\u003eIndustry consolidation\u003c/em\u003e\u003c/p\u003e\n\n\u003cp\u003eNot surprisingly,\u003cstrong\u003e \u003c/strong\u003emergers and acquisitions re-emerged\u003cstrong\u003e \u003c/strong\u003ein\u003cstrong\u003e \u003c/strong\u003e2020, potentially signaling the start of a new wave of consolidation for scale efficiencies. In Spain, mergers were announced by Bankia and Caixabank, as well as \u003ca href=\"https://www.unicajabanco.com/en/inversores-y-accionistas/informacion-general/proyecto-comun-de-fusion-entre-unicaja-banco-y-liberbank\" target=\"_blank\"\u003eUnicaja and Liberbank\u003c/a\u003e. In Italy, \u003ca href=\"https://group.intesasanpaolo.com/en/newsroom/news/all-news/2020/intesa-sanpaolo-bid-for-ubi-banca--statement-by-ceo-carlo-messin\" target=\"_blank\"\u003eBanca Intesa Sanpaolo acquired UBI Banca\u003c/a\u003e. In the US, \u003ca href=\"https://www.bbva.com/en/bbva-sells-u-s-subsidiary-to-pnc-for-11-6-billion/\" target=\"_blank\"\u003ePNC acquired BBVA USA\u0026rsquo;s operations\u003c/a\u003e.\u003c/p\u003e\n\n\u003cp\u003eAmid all this uncertainty, one thing appears certain: Financial institutions can improve financial returns with the acceleration of the financial sector\u0026rsquo;s digital transformation and migration to a new business architecture.\u003c/p\u003e\n\n\u003cp\u003eTo learn more about key actions for banks facing muted financial performance in a post-pandemic business reality, you can download the IBV report, \u0026quot;\u003ca href=\"https://ibm.co/post-pandemic-bank\" target=\"_blank\"\u003eEssentials for the post-pandemic bank\u003c/a\u003e.\u0026quot;\u003c/p\u003e\n","approved":true,"image_alt":"","thumbnail_alt":"","hideRelatedBlogs":false,"createdAt":"2021-02-12T08:29:36.790Z","updatedAt":"2022-03-06T10:21:16.919Z","author":[{"id":262,"name":"Anthony Lipp","email":"ajlipp@us.ibm.com","twitter":"","facebook":"","linkedin":"https://www.linkedin.com/in/lippanthony/","featured":false,"priority":0,"title":"Global Head of Strategy for Banking and Financial Markets and IBM Industry Academy member","image_alt":"Anthony Lipp","place_of_employment":"","bio":"","createdAt":"2018-12-01T12:32:52.574Z","updatedAt":"2022-10-31T04:34:50.300Z","image":{"id":1583,"name":"IBldduTCzUgTCeCJrZ5sb-B4","alternativeText":null,"caption":null,"width":null,"height":null,"formats":null,"hash":"cb2a6ffb2c784da2a337f4e13a03277b","ext":".jpg","mime":"image/jpeg","size":26.22,"url":"/thought-leadership/institute-business-value/uploads/en/cb2a6ffb2c784da2a337f4e13a03277b.jpg","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2020-04-10T21:44:30.887Z","updatedAt":"2020-04-10T21:44:30.900Z"}}],"image":{"id":6997,"name":"2b2c85aa36c84e37b1e6fc85de85e4af.webp","alternativeText":null,"caption":null,"width":2304,"height":648,"formats":null,"hash":"2b2c85aa36c84e37b1e6fc85de85e4af_daaf470884","ext":".webp","mime":"image/webp","size":107.59,"url":"/thought-leadership/institute-business-value/uploads/en/2b2c85aa36c84e37b1e6fc85de85e4af_daaf470884","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:21:16.764Z","updatedAt":"2022-03-06T10:21:16.866Z"},"thumbnail":{"id":6911,"name":"a89670eea7594a9dbd0e33112030ce10.webp","alternativeText":null,"caption":null,"width":729,"height":359,"formats":null,"hash":"a89670eea7594a9dbd0e33112030ce10_a800a27947","ext":".webp","mime":"image/webp","size":33.36,"url":"/thought-leadership/institute-business-value/uploads/en/a89670eea7594a9dbd0e33112030ce10_a800a27947","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:20:57.480Z","updatedAt":"2022-03-06T10:20:57.556Z"},"mlinks":null,"assets":[]},{"id":76,"slug":"next-gen-electronics-support-service","title":"NextGen electronics support and service: How technology drives data, devices, and delivery","subtitle":"","date":"2021-02-11T13:00:00.000Z","blurb":"The COVID-19 pandemic has increased costs and pressure on after-sales support functions. Service technicians need to follow evolving COVID-19 safety protocols, which require training, and therefore, add to costs.\n","content":"\u003cp\u003eIt\u0026rsquo;s obvious that the COVID-19 pandemic has increased costs and pressure on after-sales support functions. As the pandemic began and has continued, pretty much everyone strives to limit contact with each other\u0026mdash;it\u0026rsquo;s a safety issue.\u003c/p\u003e\n\n\u003cp\u003eSimultaneously, COVID-19 has resulted in device and machine owners demanding more self-serve capabilities, or the ability to execute remote repairs, even if they do it themselves with support. If a technician is needed on site, clients want the issue resolved quickly and expect a solution on the first visit. Service technicians also need to follow evolving COVID-19 safety protocols, which require training, and therefore, add to costs.\u003c/p\u003e\n\n\u003cp\u003eThese calls are expensive. So, the pressure is on to make service better\u0026mdash;and make it right the first time. Yet, our research with the IBM Institute for Business Value (IBV), \u003ca href=\"https://ibm.co/electronics-service-delivery\" target=\"_blank\"\u003e\u0026ldquo;Empowered electronics service and support,\u0026rdquo;\u003c/a\u003e shows that more than 1 in 4 calls are not resolved on the first visit.\u003c/p\u003e\n\n\u003cp\u003eIn 28% of repair tickets studied, companies were paying dramatically more than they should. There are multiple reasons for a second call, or even a second truck roll, and that\u0026rsquo;s taking away funding for other much-needed service enhancements. And that\u0026rsquo;s why the 28% finding pains me so much.\u003c/p\u003e\n\n\u003cp\u003eI have sat in almost every seat in the service and support center chain of command\u0026mdash;including the one driving to customers to make repairs. Whether I was in a contact center, field delivery organization, or managing service operations, having access to data I could trust was critical.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eOptimize the customer experience and save money\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eThe more I knew about my customers, their devices, current issue, and service history, the better my chances were of resolving their issue. One thing I\u0026rsquo;ve learned is that it\u0026rsquo;s not impossible to both optimize the customer experience and save money for the organization.\u003c/p\u003e\n\n\u003cp\u003eAs a matter of fact, when you use data from across your electronics enterprise, you can significantly improve service quality and improve root cause analysis. This is essential to managing client satisfaction, improving internal processes, and forecasting future warranty costs.\u003c/p\u003e\n\n\u003cp\u003eIn our survey of electronics executives, predictive analytics was ranked the third most valuable technology, following only cloud and mobile tech (see, \u0026ldquo;Leaders of the pack\u0026rdquo;). This action-oriented approach to diagnosing and replacing issues before they become a problem brings the power of collected root cause analysis, service, repair, and wear data together in an efficient package for service experts.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eLeaders of the pack\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eThe most effective after-sales support technologies.\u003c/p\u003e\n\n\u003cp\u003e\u003cimg alt=\"Leaders of the pack\" height=\"505\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/180179a83e7946e9bb3b3fff25d03691.png\" width=\"720\" /\u003e\u003c/p\u003e\n\n\u003cp\u003eData helps better diagnose device failure, bringing agents and field personnel to the right solution as fast as possible. Service data can also provide valuable insights into internal process or delivery problems, predict potential future warranty and service costs, and provide options or scenario analysis to mitigate cost increases.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eMake data and service insights accessible to everyone \u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eElectronics companies are responding to accelerating industry trends with new service-delivery models and exponential technologies to improve after-sales support functions. The best after-sales support organizations invest in technologies that get the data and service insights to front-line personnel and make them accessible across the organization. Data and technology must be tied together with collaboration across service partners or through a combination of delivery models to optimize results.\u003c/p\u003e\n\n\u003cp\u003eService delivery managers need to continually focus on the details: Do I know where all my clients\u0026rsquo; assets are installed? Does the technical support team have the skills needed to serve our customers? Do I have the right parts in the right places to support the expected failures? Even with the best-laid plans, there are often surprises.\u003c/p\u003e\n\n\u003cp\u003eWhen problems occur on the service side, it\u0026rsquo;s not simply a matter of fixing them. Sometimes you have only an outcome and you need to find the real problem first\u0026mdash;this describes the detection-to-correction (D2C) cycle. \u003ca href=\"https://ibm.co/electronics-service-delivery\" target=\"_blank\"\u003eOur research indicates that, across electronics machines and devices\u003c/a\u003e, when a large-scale problem occurs, the average D2C cycle is 32 days.\u003c/p\u003e\n\n\u003cp\u003eI faced a global quality issue on a new PC with higher-than-expected failure rates affecting hundreds of thousands of devices around the world. This could have been catastrophic to our clients and our service costs if we didn\u0026rsquo;t have the data we needed to respond early.\u003c/p\u003e\n\n\u003cp\u003eProduct install data, device configuration, device failure data, and call center records allowed us to determine what was failing, where, and why. Service data and remote monitoring allowed us to predict and prevent failures, which achieved two critical service delivery goals: delight customers and reduce warranty and service costs. As we are reminded now, data for early detection and diagnosis helps to coordinate actions to contain the problem.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eManage the numbers\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eTransforming support and service functions won\u0026rsquo;t happen without a solid business case and getting there means managing the numbers. One of the more interesting aspects of our research is about a class of leading support and service teams and it\u0026rsquo;s worth considering how they are improving their businesses.\u003c/p\u003e\n\n\u003cp\u003eWhen we look at the technologies \u003ca href=\"https://ibm.co/electronics-service-delivery\" target=\"_blank\"\u003ein our research\u003c/a\u003e, we find:\u003c/p\u003e\n\n\u003cul\u003e\n\t\u003cli\u003e\n\t\u003cp class=\"ck-normal-p ibv-ckeditor\"\u003e\u003cstrong\u003e97%\u003c/strong\u003e of those who have implanted augmented reality say it has improved the efficiency and quality of their after-sales support processes\u003c/p\u003e\n\t\u003c/li\u003e\n\t\u003cli\u003e\n\t\u003cp class=\"ck-normal-p ibv-ckeditor\"\u003e\u003cstrong\u003e90%\u003c/strong\u003e apply mobile technologies in their after-sales support processes, making them the most prevalent in the industry\u003c/p\u003e\n\t\u003c/li\u003e\n\t\u003cli\u003e\n\t\u003cp class=\"ck-normal-p ibv-ckeditor\"\u003e\u003cstrong\u003e85%\u003c/strong\u003e of those who have implemented cloud computing in after-sales support processes say it has reduced their time to execute\u003c/p\u003e\n\t\u003c/li\u003e\n\t\u003cli\u003e\n\t\u003cp class=\"ck-normal-p ibv-ckeditor\"\u003e\u003cstrong\u003e84% \u003c/strong\u003eof those who have implemented cognitive/AI technologies rate them as most effective at improving electronics after-sales support performance\u003c/p\u003e\n\t\u003c/li\u003e\n\t\u003cli\u003e\n\t\u003cp class=\"ck-normal-p ibv-ckeditor\"\u003e\u003cstrong\u003e72% \u003c/strong\u003eof those who have implemented predictive analytics in their after-sales support processes rate it as most effective at reducing the organization\u0026rsquo;s costs\u003c/p\u003e\n\t\u003c/li\u003e\n\u003c/ul\u003e\n\n\u003cp\u003eOur research revealed how executives are planning to apply exponential technologies. They shared how their current implementations enhance aspects of after-sales support performance in terms of quality, performance, cost, and time saved.\u003c/p\u003e\n\n\u003cp\u003eWhile we didn\u0026rsquo;t have room in the report for all the details, we are happy to discuss it with you, based on your organization\u0026rsquo;s unique needs. The research also revealed how developing and applying insights from after-sales support data drives improvements throughout the organization. It\u0026rsquo;s possible to use tech to save money, improve customer satisfaction, and develop new agile processes across your organization.\u003c/p\u003e\n\n\u003cp\u003eFor more details and a deeper perspective on how after-sales service organizations are transforming operations, see \u003ca href=\"https://ibm.co/electronics-service-delivery\" target=\"_blank\"\u003e\u0026ldquo;Empowered electronics service and support: Creating data-driven human-technology interactions.\u0026rdquo; \u003c/a\u003eYou can also reach out to me. I have over 30 years\u0026rsquo; experience in after-sales support and I\u0026rsquo;m happy to share what I\u0026rsquo;ve learned with you.\u003c/p\u003e\n","approved":true,"image_alt":"How technology drives data, devices, and delivery","thumbnail_alt":"How technology drives data, devices, and delivery","hideRelatedBlogs":false,"createdAt":"2021-02-09T22:49:38.362Z","updatedAt":"2022-03-06T10:21:21.367Z","author":[{"id":724,"name":"Ken Pace","email":"kpace@ca.ibm.com ","twitter":"","facebook":"","linkedin":"https://linkedin.com/in/ken-pace-8572bb11/ ","featured":false,"priority":0,"title":"Subject Matter Expert, Global Electronics Center of Competence, IBM Consulting ","image_alt":"Ken Pace","place_of_employment":"","bio":"","createdAt":"2020-11-27T10:37:11.568Z","updatedAt":"2021-02-10T05:27:35.077Z","image":{"id":3352,"name":"RKr0v6AiCMzjW96p_aZsUOIG","alternativeText":null,"caption":null,"width":null,"height":null,"formats":null,"hash":"c703fee34df84a3b8be4d6ad3af2719d","ext":".png","mime":"image/png","size":41.67,"url":"/thought-leadership/institute-business-value/uploads/en/c703fee34df84a3b8be4d6ad3af2719d.png","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2021-02-10T05:26:40.787Z","updatedAt":"2021-02-10T05:26:40.802Z"}}],"image":{"id":7282,"name":"15b8fa19ef4543a395539985a79b7f89.webp","alternativeText":null,"caption":null,"width":2000,"height":500,"formats":null,"hash":"15b8fa19ef4543a395539985a79b7f89_eacb82450c","ext":".webp","mime":"image/webp","size":48,"url":"/thought-leadership/institute-business-value/uploads/en/15b8fa19ef4543a395539985a79b7f89_eacb82450c","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:21:21.026Z","updatedAt":"2022-03-06T10:21:21.318Z"},"thumbnail":{"id":6470,"name":"8f55b56c78bf4d7ab7c412bcdffea235.webp","alternativeText":null,"caption":null,"width":729,"height":359,"formats":null,"hash":"8f55b56c78bf4d7ab7c412bcdffea235_60d8d833e6","ext":".webp","mime":"image/webp","size":26.58,"url":"/thought-leadership/institute-business-value/uploads/en/8f55b56c78bf4d7ab7c412bcdffea235_60d8d833e6","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:21:07.647Z","updatedAt":"2022-03-06T10:21:08.018Z"},"mlinks":null,"assets":[]},{"id":79,"slug":"banking-financial-markets-data","title":"Increasing open and free data in banking and financial markets","subtitle":"","date":"2021-02-10T13:00:00.000Z","blurb":"In this competitive and evolving environment, forward-looking banks are acting on their data to win revenue-generating interactions with open ecosystems.\n","content":"\u003cp\u003eAt the beginning of the year, I was invited by the IBM Institute for Business Value (IBV) to join 44 IBM global experts\u0026mdash;members of the \u003ca href=\"https://www.ibm.com/industries/industry-academy\" target=\"_blank\"\u003eIndustry Academy\u003c/a\u003e and \u003ca href=\"https://www.ibm.com/blogs/academy-of-technology/about/\" target=\"_blank\"\u003eAcademy of Technology\u003c/a\u003e\u0026mdash;to reflect on key trends driving investments and actions in 2021. We identified the following eight trends that will dominate and push banking and financial markets leaders to move toward new cloud-based business architectures:\u003c/p\u003e\n\n\u003cul\u003e\n\t\u003cli\u003eMuted financial performance\u003c/li\u003e\n\t\u003cli\u003eAccelerated digital adaptation\u003c/li\u003e\n\t\u003cli\u003eNew cloud-based business architectures\u003c/li\u003e\n\t\u003cli\u003eEscalating competition\u003c/li\u003e\n\t\u003cli\u003eOperational resilience challenges\u003c/li\u003e\n\t\u003cli\u003e\u003cstrong\u003eIncreasing open and free data\u003c/strong\u003e\u003c/li\u003e\n\t\u003cli\u003eSecurity and fraud risks\u003c/li\u003e\n\t\u003cli\u003eNew ways of working\u003c/li\u003e\n\u003c/ul\u003e\n\n\u003cp\u003eLet\u0026rsquo;s explore together why \u003cstrong\u003eincreasing open and free data is creating opportunities for cloud-native competition.\u003c/strong\u003e\u003c/p\u003e\n\n\u003cdiv class=\"ckeditor-html5-video\" data-responsive=\"true\"\u003e\n\u003cvideo controls=\"controls\" poster=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/e549f8d37e1541b796b4393f4c9d65d6.jpg\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/6dd8cc2af8a14d71903441893b43f971.mp4\" style=\"height:auto; max-width:100%\" width=\"720\"\u003e\u0026nbsp;\u003c/video\u003e\n\u003c/div\u003e\n\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\n\n\u003cp\u003eWe are aware that the financial services industry has access to vast amounts of rich data about clients\u0026mdash;data that is becoming cheaper and increasingly open. This prompts new opportunities to differentiate on personalized services improving business performance, and fast-track innovation to compete on platform economies (see, \u0026ldquo;\u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/report/platform-banking\" target=\"_blank\"\u003eBanking on the platform economy\u003c/a\u003e\u0026rdquo;). In doing so, well-designed and compliant data strategies are required to enable a transparent balancing act between ownership of data and sharing data, and insights across entire ecosystems.\u003c/p\u003e\n\n\u003cp\u003eA data strategy needs to address regulatory requirements and anticipate any change across jurisdictions to harness the benefits of ecosystem interactions. Oversight on data openness varies geographically but typically includes fundamental consent, privacy expectations, and security requirements (see the recent Bank of International Settlement report, \u0026ldquo;\u003ca href=\"https://www.bis.org/bcbs/publ/d486.htm\" target=\"_blank\"\u003eReport on open banking and application programming interfaces\u003c/a\u003e\u0026rdquo;).\u003c/p\u003e\n\n\u003cul\u003e\n\t\u003cli\u003e\u003cstrong\u003ePrescriptive jurisdictions.\u003c/strong\u003e EU member states, UK, India, South Africa, and Mexico require, by regulation, that banks share customer-permissioned data, and that third parties register with the assigned supervisory authority.\u003c/li\u003e\n\t\u003cli\u003e\u003cstrong\u003eFacilitative jurisdictions\u003c/strong\u003e. Singapore, Hong Kong, South Korea, and Japan had their regulators issue guidance and recommendations, publishing open API standards and technical specifications.\u003c/li\u003e\n\t\u003cli\u003e\u003cstrong\u003eUnder review jurisdictions.\u003c/strong\u003e In Canada, Australia, and Brazil, regulators are openly discussing the drafting of open-banking requirements and specifications.\u003c/li\u003e\n\t\u003cli\u003e\u003cstrong\u003eMarket-driven jurisdictions.\u003c/strong\u003e In mainland China, US, and Argentina, open-banking practices are primarily driven by industry implementations.\u003c/li\u003e\n\u003c/ul\u003e\n\n\u003cp\u003e\u003cstrong\u003eMain open banking initiatives and approaches across jurisdictions\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003e\u003cimg alt=\"Main open banking initiates and approaches across jurisdictions.\" height=\"569\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/56d0894791664cbeb5543d493854e379.png\" width=\"758\" /\u003e\u003c/p\u003e\n\n\u003cp\u003eThe regulatory context is evolving rapidly and positively, increasing competition and opportunities to deliver value for the client. For example, the \u003ca href=\"https://ec.europa.eu/transparency/regdoc/rep/1/2020/EN/COM-2020-591-F1-EN-MAIN-PART-1.PDF\" target=\"_blank\"\u003eEuropean Financial Dataspace\u003c/a\u003e promotes data-driven innovation supported by appropriate cloud infrastructure. By design, it will help new entrants become clients\u0026rsquo; main touch point in aggregating data and services\u0026mdash;a function that\u0026rsquo;s currently dispersed across multiple interactions.\u003c/p\u003e\n\n\u003cp\u003eAll intermediaries are asked to demonstrate full respect of privacy and utmost security standards to build and maintain their clients\u0026rsquo; trust. By working collaboratively and leveraging the strengths of each party, exciting new opportunities can be created with a more open and cooperative outlook that capture the market\u0026rsquo;s attention. For example, banks add regulatory know-how to match fintech agile approaches.\u003c/p\u003e\n\n\u003cp\u003e\u003cimg alt=\"A balancing act for data collaboration and data partnerships\" height=\"213\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/ee0eef3ff55e4cb7bb19c9155a9007ac.png\" width=\"700\" /\u003e\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eGetting ready for advancing cloud adoption and data usage powered by AI\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eIn this competitive and evolving environment, forward-looking banks are acting on their data to win revenue-generating interactions with open ecosystems. They are designing\u0026mdash;and in many cases, have already deployed\u0026mdash;AI models on open platforms to accelerate business adaptation to changes in the economy and client expectations. They are investing to demonstrate trustworthiness of AI-driven outcomes.\u003c/p\u003e\n\n\u003cp\u003eThese following three action items allow banks to leverage increasingly open and free data to drive value for all stakeholders (clients, fintech, and financial institutions):\u003c/p\u003e\n\n\u003cul\u003e\n\t\u003cli\u003e\u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/report/platform-banking\" target=\"_blank\"\u003eOpen ecosystems of partners, suppliers, and clients\u003c/a\u003e. Leading institutions collaborate beyond borders, sharing data and insights with network partners twice as much as less performing competitors (see, \u0026ldquo;\u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/c-suite-study\" target=\"_blank\"\u003eBuild the trust advantage\u003c/a\u003e\u0026rdquo;). They share core skills to engage clients within non-banking ecosystems. The key to success is the ability to share data openly and securely within the community, leveraging open standards and APIs.\u003c/li\u003e\n\t\u003cli\u003e\u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/report/scaling-ai\" target=\"_blank\"\u003eOpen platforms to create and train AI models\u003c/a\u003e.\u003cstrong\u003e \u003c/strong\u003eThe financial services sector is abundant with domain-specific information but also requires client context to deliver the best customized service. Open data is the best way to enrich the data sets required to train the models. To achieve \u003cstrong\u003e\u0026ldquo;\u003c/strong\u003eAI readiness\u0026rdquo; in their operations, leading institutions have built platform interactions capable of performing analytics among large sets of data, processes, and people.\u003c/li\u003e\n\t\u003cli\u003e\u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/c-suite-study\" target=\"_blank\"\u003eOpen and trusted data.\u003c/a\u003e\u003cstrong\u003e \u003c/strong\u003eTrust is the major currency in financial services. Explaining strengths and weaknesses of predictions, as well as managing modeling risks to make processes robust, transparent, and fair, are quintessential requirements to leverage increasingly open and free data to power AI at scale implementations. Typically, data scientists dedicate significant effort to revising inputs and outputs of machine learning models. Well-designed and transparent open data strategies can accelerate the steps of the process. Availability of trusted sources may be limited at the present time, but the market dynamics indicate that data partnerships and higher collaboration will advance together with open banking agendas.\u003c/li\u003e\n\u003c/ul\u003e\n\n\u003cp\u003eI firmly believe that data-driven decisions, insights, and recommendations based on AI and analytics must be transparent, explicable, and robust.\u003cstrong\u003e \u003c/strong\u003eA strong foundation for business transformation starts with a data management strategy that is grounded on open hybrid multicloud business architectures to enable secured and responsive collaboration models for open banking.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eA balancing act for data collaboration and data partnerships\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eFederated learning is\u0026nbsp;a collaborative\u0026nbsp;approach for\u0026nbsp;building\u0026nbsp;AI models\u0026nbsp;across decentralized organizations, holding local data sets without having to formally exchange them. These\u0026nbsp;\u0026quot;open models\u0026quot;\u0026nbsp;are duly\u0026nbsp;trained\u0026nbsp;by a diverse and agile global community making it possible for AI algorithms to gain experience from a broad range of data across various sites.\u003c/p\u003e\n\n\u003cp\u003eUsers download\u0026nbsp;the model to their devices\u003cu\u003e,\u003c/u\u003e then train, compute\u003cu\u003e,\u003c/u\u003e and update the model with local data. This type of AI model learning is becoming mainstream in the interactions between private and public users. To a certain extent, it\u0026nbsp;allows\u0026nbsp;mitigating issues\u003cu\u003e,\u003c/u\u003e such as data privacy or data access\u003cu\u003e,\u003c/u\u003e while delivering the value of an open data approach. Data readiness is a critical pre-condition for capturing value.\u003c/p\u003e\n\n\u003cp\u003eAttributes such as cleanliness, standards, openness, and permissions are essential for delivering sustainable innovation and deploying intuitive services. According to a recent IBV study,\u0026nbsp;80% of the effort in deploying AI technology is getting data ready for use (see, \u0026ldquo;\u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/report/digital-acceleration\" target=\"_blank\"\u003e\u003cu\u003eDigital acceleration \u0026ndash; Technology is driving revenue growth in time of crisis\u003c/u\u003e\u003c/a\u003e\u0026rdquo;).\u003cstrong\u003e \u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eTo address these compelling issues, the industry has started building data partnerships and launching information banks, and it will continue to do so in 2021.\u003c/p\u003e\n\n\u003cul\u003e\n\t\u003cli\u003e\u003cstrong\u003eBusiness critical data partnerships.\u003c/strong\u003e Consortium and public-private partnerships enable harmonized data acquisition and sharing to power the application of machine learning models across datasets. For example, \u003ca href=\"https://www.nvb.nl/english/transaction-monitoring-netherlands-a-unique-step-in-the-fight-against-money-laundering-and-the-financing-of-terrorism/\" target=\"_blank\"\u003eTransaction Monitoring Netherlands (TMNL)\u003c/a\u003e is a cross-banking initiative by five Dutch banks to fight money laundering and the financing of terrorism. TMNL will focus on identifying unusual patterns in payments traffic that individual banks cannot identify.\u003c/li\u003e\n\t\u003cli\u003e\u003cstrong\u003eThe rise of information banks.\u003c/strong\u003e Consumers increasingly demand transparency, as dissatisfaction grows with how technology giants use personal data. \u0026ldquo;Information banks\u0026rdquo; are business solutions offered to clients that compensate for the provision of data. For example, \u003ca href=\"https://asia.nikkei.com/Business/Business-trends/Japan-s-information-banks-to-let-users-cash-in-on-personal-data\" target=\"_blank\"\u003eSatellite broadcaster Sky Perfect JSAT Holdings and personal loan provider J. Score are among the companies setting up information banks\u003c/a\u003e, giving users greater control over data distribution.\u003c/li\u003e\n\u003c/ul\u003e\n\n\u003cp\u003e\u003cstrong\u003eLeadership in the era of data and AI everywhere\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eI invite all business leaders to act and compete in the digital economy by evolving to modern data architectures. Consider implementing the following recommendations:\u003c/p\u003e\n\n\u003cul\u003e\n\t\u003cli\u003e\u003cstrong\u003eWin in the trust economy\u003c/strong\u003e. Provide transparency and reciprocity in all data operations, giving customers what they value in return for their data.\u003c/li\u003e\n\t\u003cli\u003e\u003cstrong\u003eBuild a human-tech partnership\u003c/strong\u003e. Empower employees to become citizen scientists. Expanding everyone\u0026rsquo;s horizon about what data can do allows your business to leverage the power of open hybrid multi-cloud to provide scale for data proliferation as data becomes increasingly open and free.\u003c/li\u003e\n\t\u003cli\u003e\u003cstrong\u003eShare data in the platform era.\u003c/strong\u003e Be restless and look for deeper insights into clients, markets, and competitors, while creating security, transparency, and accountability for data that runs through your business platforms, well beyond your enterprise\u0026rsquo;s borders.\u003c/li\u003e\n\u003c/ul\u003e\n\n\u003cp\u003eFor more insights about how to achieve business excellence with new business architecture that can leverage open and free data on open hybrid multicloud, I encourage you to download the latest IBV paper \u0026ldquo;\u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/report/banking-hybrid-multicloud\" target=\"_blank\"\u003eBanking on open hybrid multicloud\u003c/a\u003e.\u0026rdquo;\u003c/p\u003e\n","approved":true,"image_alt":"Increasing open and free data in the banking and financial markets","thumbnail_alt":"Increasing open and free data in the banking and financial markets","hideRelatedBlogs":false,"createdAt":"2021-02-09T22:51:32.278Z","updatedAt":"2022-03-06T10:21:15.440Z","author":[{"id":322,"name":"Jean-Philippe Desbiolles","email":"jphi_desbiolles@fr.ibm.com","twitter":"","facebook":"","linkedin":"https://www.linkedin.com/in/jean-philippe-desbiolles-4607b354/","featured":false,"priority":0,"title":"Global Vice-President of Data, Cognitive and AI - Financial Services, IBM Consulting ","image_alt":"Jean-Philippe Desbiolles","place_of_employment":"","bio":"","createdAt":"2019-05-02T21:40:14.364Z","updatedAt":"2022-10-31T04:37:17.467Z","image":{"id":3351,"name":"qRyIPPcgKF7AaTbQmGQrbBYH","alternativeText":null,"caption":null,"width":null,"height":null,"formats":null,"hash":"99ebec8625f2487290c49d724834ee2c","ext":".jpg","mime":"image/jpeg","size":52.37,"url":"/thought-leadership/institute-business-value/uploads/en/99ebec8625f2487290c49d724834ee2c.jpg","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2021-02-10T00:21:04.921Z","updatedAt":"2021-02-10T00:21:04.934Z"}}],"image":{"id":7209,"name":"7a5cf67b9652432c8ce8f1ca6305d580.webp","alternativeText":null,"caption":null,"width":2304,"height":648,"formats":null,"hash":"7a5cf67b9652432c8ce8f1ca6305d580_bf4d39e514","ext":".webp","mime":"image/webp","size":120.48,"url":"/thought-leadership/institute-business-value/uploads/en/7a5cf67b9652432c8ce8f1ca6305d580_bf4d39e514","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:21:15.369Z","updatedAt":"2022-03-06T10:21:15.430Z"},"thumbnail":{"id":6528,"name":"c7a92ebeab534bf4adb6443b22243258.webp","alternativeText":null,"caption":null,"width":729,"height":359,"formats":null,"hash":"c7a92ebeab534bf4adb6443b22243258_d7789e0e12","ext":".webp","mime":"image/webp","size":28.24,"url":"/thought-leadership/institute-business-value/uploads/en/c7a92ebeab534bf4adb6443b22243258_d7789e0e12","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:20:54.708Z","updatedAt":"2022-03-06T10:20:54.887Z"},"mlinks":null,"assets":[]},{"id":63,"slug":"empowered-after-sales-service","title":"Empowered service: How humans and technology deliver for electronics companies","subtitle":"","date":"2021-02-09T13:00:00.000Z","blurb":"Digital communication technology saved the day for many people during the COVID-19 pandemic. In the face of new perils, exponential technologies became absolutely necessary for customer service and after-sales support.\n","content":"\u003cp\u003eDigital communication technology saved the day for many people, in many ways, during the COVID-19 pandemic. In the face of new perils, exponential technologies became absolutely necessary for customer service and after-sales support.\u003c/p\u003e\n\n\u003cp\u003eCould you imagine the appliance repair man coming into your home in 2020? And with new viral variants, most of us are still reticent to let anyone come into our house and possibly infect our families.\u003c/p\u003e\n\n\u003cp\u003eScenarios like this play out across home environments and businesses, presenting a rising need for a \u003cstrong\u003eNext Generation service model\u003c/strong\u003e. Out of necessity, companies are asking:\u003c/p\u003e\n\n\u003cul\u003e\n\t\u003cli\u003eHow do I distribute my most knowledgeable contact and field service agents to help customers?\u003c/li\u003e\n\t\u003cli\u003eCan I diagnose and fix the product remotely?\u003c/li\u003e\n\t\u003cli\u003eCan technicians use technology to speed up the repair or enable the end user to help perform the repair?\u003c/li\u003e\n\t\u003cli\u003eHow do I automate needed warranty and recall repairs without burdening agents?\u003c/li\u003e\n\t\u003cli\u003eHow do I keep my work teams and my customers safe?\u003c/li\u003e\n\u003c/ul\u003e\n\n\u003cp\u003e\u003cstrong\u003eLeveraging human-technology interactions\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eNecessity may or may not be the mother of invention but it sure can speed up technology adoption. Firms are now pursuing different avenues for handling service issues. They\u0026rsquo;re leveraging human-technology interactions\u003cstrong\u003e \u003c/strong\u003ecrafted around safety-first principles, placing a new premium on low and no-contact work, alongside speed and quality of service.\u003c/p\u003e\n\n\u003cp\u003eThe research conducted by IBM Institute for Business Value (IBV) identifies three models that companies are utilizing to deliver after-sales service and support\u0026mdash;with the empowered customer service organization delivering superior customer satisfaction. \u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/report/electronics-service-delivery\" target=\"_blank\"\u003eIn this study\u003c/a\u003e, we detail issues and call-out guiding principles to become an \u0026ldquo;empowered\u0026rdquo; customer service organization.\u003c/p\u003e\n\n\u003cp\u003eI was talking to someone recently and I explained this whole notion of empowered service for electronics like this: The pandemic forced us to reconsider every preconceived notion of service delivery. There was no ability to delay. Work needed to happen, and it had to flow as smoothly through organizations as possible.\u003c/p\u003e\n\n\u003cp\u003eIt meant trusting partners, providing remote monitoring and self-serve capabilities, removing unnecessary or repetitive steps, considering technology you thought was reserved for video games or specialized purposes, and using data (by design) across the entire enterprise.\u003c/p\u003e\n\n\u003cp\u003eI also drew a sketch on the back of \u0026nbsp;a napkin (see below). Sure, there are specifics underpinning all of this\u0026mdash;and copious research\u0026mdash;but this is the heart of empowered service.\u003c/p\u003e\n\n\u003cp\u003e\u003cimg alt=\"Collaborative Service and Support Ecosystem and Partners \" height=\"532\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/ab95d8a3ef484b3b9375f1fac7681a2f.png\" width=\"600\" /\u003e\u003c/p\u003e\n\n\u003cp\u003eWith a workforce in limited supply and operating remotely, technology has certainly risen to the task. Companies are discovering that the pandemic has laid, wide open, a deep wound for which Band-Aids have been applied for years.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003e4 guiding principles for transformation\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eOld ways will no longer work\u003c/strong\u003e. Companies must now transform their service organization to meet stringent requirements of a post-COVID world. Our paper, \u0026ldquo;\u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/report/electronics-service-delivery\" target=\"_blank\"\u003eEmpowered electronics service and support: Creating data-driving human-technology interactions\u003c/a\u003e,\u0026rdquo; outlines four guiding principles needed to get there:\u003c/p\u003e\n\n\u003cul\u003e\n\t\u003cli\u003e\u003cstrong\u003eRe-evaluate strategic principles.\u003c/strong\u003e Look in the mirror. Is your corporate culture really \u0026ldquo;customer centric?\u0026rdquo; Is your customer service organization fully integrated in the enterprise? Analyze potential new partnership opportunities, especially around data and collaboration. We\u0026rsquo;ve learned that technology does not replace but augments human involvement.\u003c/li\u003e\n\t\u003cli\u003e\u003cstrong\u003eUnderstand interaction improvements between humans and technology. \u003c/strong\u003eWe\u0026rsquo;ve learned that technology does not replace, but augments, human involvement. Are you using \u0026ldquo;exponential technologies\u0026rdquo; to their fullest to support, augment, or alleviate processes to empower both the company and employee who service your cherished customers? Look for improvements to partner and use technology with mobility, such as \u003ca href=\"https://insights.samsung.com/2020/05/08/how-samsung-is-working-with-ibm-to-engineer-the-5g-future-of-industry-2/\" target=\"_blank\"\u003ehow IBM is collaborating with Samsung Mobile\u003c/a\u003e on exponential technologies including 5G and AR/VR, to support field service technicians.\u003c/li\u003e\n\t\u003cli\u003e\u003cstrong\u003eSpecify the next generation business architecture. \u003c/strong\u003eInfuse intelligent workflows into the design. For new product innovation, focus on \u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/report/drelectronics\" target=\"_blank\"\u003ehow to derive insights from your data from devices\u003c/a\u003e and use them to better service clients after-sale.\u003c/li\u003e\n\t\u003cli\u003e\u003cstrong\u003eBuild the business case and workforce plan. \u003c/strong\u003eDetermine what services and functions you do well and consider how to \u0026ldquo;build\u0026rdquo; out that capability internally or outsource. \u0026ldquo;Buy\u0026rdquo; capabilities that are done best by others in your partner ecosystem. Find trusted partners with a deep bench-strength globally. For example, consider IBM\u0026#39;s \u0026ldquo;Support as a Service.\u0026rdquo;\u003cstrong\u003e\u0026nbsp; \u003c/strong\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\n\u003cp\u003eBrands that survive and even thrive during the pandemic have learned unimaginable lessons for building deeper trusting relationship and responding in creative ways. Customers are giving empowered service provider\u0026rsquo;s\u003cstrong\u003e \u003c/strong\u003ebrands higher marks for satisfaction.\u0026nbsp;\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eLead the way\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eIn the next decade, a \u0026ldquo;next generation, empowered\u0026rdquo; after-sales and service organization will lead the way. Successful firms will put customer service and support in the center of their company\u0026rsquo;s transformation. Some examples include our work with \u003ca href=\"https://www.ibm.com/case-studies/netapp-0\" target=\"_blank\"\u003eNetApp\u003c/a\u003e , \u003ca href=\"https://www.ibm.com/watson/stories/kone\" target=\"_blank\"\u003eKONE\u003c/a\u003e\u003cu\u003e\u003cstrong\u003e,\u003c/strong\u003e\u003c/u\u003e and \u003ca href=\"https://www.ibm.com/products/iot-safer-workplace?mhsrc=ibmsearch_a\u0026amp;mhq=Watson%20IoT%20Maximo%20Worker%20Insights\" target=\"_blank\"\u003eMaximo Worker Insights\u003c/a\u003e\u003cstrong\u003e.\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eWe\u0026rsquo;ve also proven that\u003cstrong\u003e \u003c/strong\u003e\u003ca href=\"https://www.ibm.com/consulting/digital-workplace\" target=\"_blank\"\u003eAI Powered service desks outperform traditional IT service desks\u003c/a\u003e and that \u003ca href=\"https://www.ibm.com/cloud/ai/customer-service?mhsrc=ibmsearch_a\u0026amp;mhq=Service%20Transformation\" target=\"_blank\"\u003eAI is for Customer Service\u003c/a\u003e\u003cstrong\u003e. \u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eWe\u0026rsquo;ve shown\u0026mdash;and we use it ourselves\u0026mdash;that augmented reality \u003cem\u003eis \u003c/em\u003ereality with\u003cstrong\u003e \u003c/strong\u003e\u003ca href=\"https://www.ibm.com/consulting/resources/5-innovations-for-IT-support/index.html#section-3\" target=\"_blank\"\u003eIBM Augmented Remote Assist\u003c/a\u003e\u003cstrong\u003e.\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eEmerging out of this pandemic, we find a new spirit for innovation, using technology \u0026ldquo;for good,\u0026rdquo; and co-creating solutions with others to focus on what is most important. This delights my customer, who responds with a smile and \u0026ldquo;thank you\u0026rdquo; for a great product and service that\u0026rsquo;s fully integrated.\u003c/p\u003e\n\n\u003cp\u003eIt\u0026rsquo;s personal. It\u0026rsquo;s not just technology inserted somewhere to patch or simply automate a task. It\u0026rsquo;s a re-building of the company with the customer as North Star.\u0026nbsp;\u003c/p\u003e\n\n\u003cp\u003eWe now recognize the urgency to transform, having dealt with impossible circumstances. There\u0026rsquo;s a path ahead to \u0026ldquo;empowerment\u0026rdquo; that will improve the working environment of employees who are on the front lines interacting with customers, and technologies in use that support the mission of product performance and client satisfaction.\u003c/p\u003e\n\n\u003cp\u003eI\u0026rsquo;m excited to share our new IBV study and insights as it touches us all\u0026hellip; as consumers, users, customers, as well as employees of the small or large enterprise.\u0026nbsp;\u003c/p\u003e\n\n\u003cp\u003eTake a look at \u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/report/electronics-service-delivery\" target=\"_blank\"\u003ethe paper we just released\u003c/a\u003e, where we discuss how NextGen Service delivery boosts operational efficiency and customer retention. We\u0026rsquo;d love to talk to you about how you\u0026rsquo;re empowering post-sales service success.\u003c/p\u003e\n","approved":true,"image_alt":"Empowered service: How humans and technology deliver for electronics companies.","thumbnail_alt":"Empowered service: How humans and technology deliver for electronics companies.","hideRelatedBlogs":false,"createdAt":"2020-12-20T21:32:31.587Z","updatedAt":"2022-03-06T10:21:21.357Z","author":[{"id":197,"name":"Scott Burnett","email":"burnetts@us.ibm.com","twitter":"https://twitter.com/SScottB","facebook":"","linkedin":"https://www.linkedin.com/in/sscottb","featured":false,"priority":0,"title":"Director, Global Electronics Industry, IBM Global Markets ","image_alt":"Scott Burnett","place_of_employment":"","bio":"","createdAt":"2018-12-13T04:01:46.767Z","updatedAt":"2022-04-30T00:30:37.628Z","image":{"id":3051,"name":"xc-Hi4bkeLlPtKIQWW1Pw_gZ","alternativeText":null,"caption":null,"width":null,"height":null,"formats":null,"hash":"b13967bc12e842b2a71034aacd1922b2","ext":".jpg","mime":"image/jpeg","size":18.93,"url":"/thought-leadership/institute-business-value/uploads/en/b13967bc12e842b2a71034aacd1922b2.jpg","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2021-02-06T01:27:36.345Z","updatedAt":"2021-02-06T01:27:36.356Z"}}],"image":{"id":7069,"name":"0c1c764bc09a4205bd060117d2061ce1.webp","alternativeText":null,"caption":null,"width":2000,"height":500,"formats":null,"hash":"0c1c764bc09a4205bd060117d2061ce1_e0202c3a10","ext":".webp","mime":"image/webp","size":55.52,"url":"/thought-leadership/institute-business-value/uploads/en/0c1c764bc09a4205bd060117d2061ce1_e0202c3a10","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:21:21.033Z","updatedAt":"2022-03-06T10:21:21.289Z"},"thumbnail":{"id":6425,"name":"c898e93c15b94c82b29f7b77a36175b0.webp","alternativeText":null,"caption":null,"width":729,"height":359,"formats":null,"hash":"c898e93c15b94c82b29f7b77a36175b0_c5c77cc01c","ext":".webp","mime":"image/webp","size":21.52,"url":"/thought-leadership/institute-business-value/uploads/en/c898e93c15b94c82b29f7b77a36175b0_c5c77cc01c","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:21:06.224Z","updatedAt":"2022-03-06T10:21:06.300Z"},"mlinks":null,"assets":[]},{"id":69,"slug":"2021-global-outlook-for-financial-services","title":"2021 Global outlook for banking and financial markets","subtitle":"","date":"2021-01-15T13:00:00.000Z","blurb":"IBM members of the Industry Academy and Academy of Technology reflect on the imperatives that will drive investments and actions in the banking and financial market industries throughout 2021.\n","content":"\u003cp\u003eLate last year, 44 members of the IBM \u003ca href=\"https://www.ibm.com/industries/industry-academy\" target=\"_blank\"\u003eIndustry Academy\u003c/a\u003e and \u003ca href=\"https://www.ibm.com/blogs/academy-of-technology/about/\" target=\"_blank\"\u003eAcademy of Technology\u003c/a\u003e in 11 countries reflected on trends that will drive investments and actions in the banking and financial market industries in the new year. They produced a collective point of view based on IBM global experience, and their pulse on what is truly going on in the industry.\u003c/p\u003e\n\n\u003cp\u003eThe IBM Institute for Business Value (IBV) extrapolated the main themes from these experts that will dominate the agenda of financial services leaders. They agreed that successful financial institutions will be characterized by forward-looking leaders focused on responding to eight trends:\u003c/p\u003e\n\n\u003cul\u003e\n\t\u003cli\u003eMuted financial performance\u003c/li\u003e\n\t\u003cli\u003eAccelerated digital adaptation\u003c/li\u003e\n\t\u003cli\u003eNew cloud-based business architectures\u003c/li\u003e\n\t\u003cli\u003eEscalating competition\u003c/li\u003e\n\t\u003cli\u003eOperational resilience challenges\u003c/li\u003e\n\t\u003cli\u003eIncreasing open and free data\u003c/li\u003e\n\t\u003cli\u003eSecurity and fraud risks\u003c/li\u003e\n\t\u003cli\u003eNew ways of working.\u003c/li\u003e\n\u003c/ul\u003e\n\n\u003cp\u003eLet\u0026rsquo;s explore each of these trends in more detail.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eMuted financial performance drives structural cost reduction and industry consolidation, and the search for new revenue streams.\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eThe industry price-to-book is well below the average of other industries, and European banks appear to be the most disadvantaged. Existing actions and operating models are unlikely to deliver ROE demanded by investors.\u003c/p\u003e\n\n\u003cp\u003eThis can only be addressed by deploying new business models driving revenue growth and radical cost reduction initiatives, and further improving capital efficiency and risk management. Industry consolidation through mergers and acquisitions will intensify, driven by opportunities around weak market valuations, the need for scale efficiency, and the need to safeguard distressed institutions.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eAccelerated digital adaptation as customers and employees embrace digital interactions driven by government-mandated social distancing and closures of physical locations.\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eDuring the pandemic outbreak, clients quickly migrated to direct channels. Just as clients had to adapt, financial institutions also had to quickly enable a remote workforce and digital interactions with partners and vendors.\u003c/p\u003e\n\n\u003cp\u003eIncreased digital experiences make clients\u0026rsquo; demand more compelling for transparent, real-time, tailored services, which are seamlessly integrated into their lives and businesses. As a result, banks are further enabling virtual proximity and enacting instant payments.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eNew cloud-based business architectures\u003c/strong\u003e \u003cstrong\u003efast-track application programming interface (API)-driven banking functionalities.\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eExisting architectures cannot deliver the cost and agility required to compete in a disrupted landscape. Industry leaders are migrating to new operating models based on an open hybrid multicloud architecture.\u003c/p\u003e\n\n\u003cp\u003eTo achieve expected returns, financial institutions might target a range of 40-50% of workloads on a specific public cloud, around 20% on a traditional public cloud, and the remaining 30-40% on-premises based on a modern, mainframe infrastructure. Banks are intensifying their cloud migration of business-critical workloads. They are coupling application modernization with the sourcing of banking functionality from joint ventures or external providers in new consumption models.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eEscalating competition inside \u003c/strong\u003e\u003cstrong\u003eand outside the financial services industry blurs the line between banking and non-banking to enable client-centric ecosystems.\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eBigtech companies are moving \u0026ldquo;outside-in,\u0026rdquo; expanding their businesses with inside financial services. They are connecting to financial clients by enabling and leveraging ecosystems around people\u0026rsquo;s lives and their businesses.\u003c/p\u003e\n\n\u003cp\u003eLeading financial institutions are also developing new value propositions that address this new model for the consumption of financial services. They are innovating \u0026ldquo;inside-out\u0026rdquo; to connect with clients and engage them on non-banking platforms through end-to-end analytics.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eOperational resilience challenges are driven by\u003c/strong\u003e \u003cstrong\u003eincreased regulatory scrutiny, as well as new compliance and business requirements.\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eAmid post-pandemic uncertainty, compliance officers and risk managers are learning the importance of being proactive and anticipating any impact on their businesses, while new guidance is enforced for clients to access stimulus packages. A barrage of new regulation is coming in 2021 to address operational resilience.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eIncreasing open and free data creates opportunities for cloud-native competition.\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eThe industry has access to vast amounts of rich data about its clients\u0026mdash;data that is becoming cheaper and increasingly open. Well-balanced data strategies underpin sustainable success in the digital platform economy.\u003c/p\u003e\n\n\u003cp\u003eSuccess will require the modernization of data environments, leveraging new analytical and artificial intelligence (AI) tools, while enacting a transparent balancing act between the ownership and the sharing of data across entire ecosystems.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eSecurity and fraud risks continue to expand as financial institutions enable operating models deployed in response to the pandemic.\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eCombined with expanding channels, increasing interconnectivity, digital platforms, and pervasive access is driving increased security risks, threats, and fraud. Holistic strategies and combining data across functions allow banks to predict and respond proactively across the risk management spectrum, knowing that the risk for fraud and security breaches evolves with sophisticated adversaries.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eNew ways of working emerge as financial institutions are shifting from the traditional front-office/back-office segmentation.\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eTeams of employees, subcontractors, and automated systems are working together in new collaboration models on well-defined tasks across areas of expertise. This has been accelerated by remote working. A redefinition of the workforce, combined with intense competition for digital talent, will transform how resources are recruited and managed.\u003c/p\u003e\n\n\u003cdiv class=\"btgrid\"\u003e\n\u003cdiv class=\"row row-1\"\u003e\n\u003cdiv class=\"col col-md-12\"\u003e\n\u003cdiv class=\"content\"\u003e\n\u003ch3 class=\"ck-h3 ibv-ckeditor\"\u003e\u003ca href=\"https://www.ibm.com/downloads/cas/KWXA8D3O\" target=\"_blank\"\u003eDownload\u003c/a\u003e\u003ca href=\"https://www.ibm.com/downloads/cas/KWXA8D3O\"\u003e the \u003cstrong\u003eLeaders in banking \u0026amp; financial markets face 8 trends infographic.\u003c/strong\u003e\u003c/a\u003e\u003c/h3\u003e\n\u003c/div\u003e\n\u003c/div\u003e\n\u003c/div\u003e\n\u003c/div\u003e\n\n\u003cp\u003e\u003cstrong\u003eKeys to transformation\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eFacing these eight trends, industry leaders are encouraged to master a set of common enablers to transform their business and address all priorities in 2021.\u003c/p\u003e\n\n\u003cul\u003e\n\t\u003cli\u003e\u003cstrong\u003eOpen hybrid multicloud architecture. \u003c/strong\u003eMigration of business-critical workloads to open hybrid multicloud enables business flexibility and resolves operational risks experienced when workloads are concentrated among a small number of data storage providers.\u003c/li\u003e\n\t\u003cli\u003e\u003cstrong\u003eData and AI.\u003c/strong\u003e Enterprise data strategies underpin the digital transformation in the platform economy, enabling a transparent balancing act between ownership and sharing of data and insights across entire ecosystems.\u003c/li\u003e\n\t\u003cli\u003e\u003cstrong\u003eSecurity and compliance.\u003c/strong\u003e Holistic approaches combining data across risk management systems and security functions allow businesses to predict and respond proactively to cyber risk (such as data breaches, operational resilience, and identity theft).\u003c/li\u003e\n\t\u003cli\u003e\u003cstrong\u003eEcosystems. \u003c/strong\u003eEasier-to-use, self-served digital options and embedded hyper-personalization offers higher value for clients in an accelerated digital world.\u003c/li\u003e\n\t\u003cli\u003e\u003cstrong\u003eTalent.\u003c/strong\u003e New enterprise working models that mobilize expertise globally will help the industry meet accelerated client demand for digital services.\u003c/li\u003e\n\u003c/ul\u003e\n\n\u003cp\u003eFor more insights about Banking and Financial Markets, you can download the latest IBV paper, \u0026ldquo;\u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/report/banking-hybrid-multicloud\" target=\"_blank\"\u003eBanking on open hybrid multicloud\u003c/a\u003e.\u0026rdquo;\u003c/p\u003e\n","approved":true,"image_alt":"2021 Global Outlook for Financial Services","thumbnail_alt":"2021 Global Outlook for Financial Services","hideRelatedBlogs":false,"createdAt":"2021-01-07T06:46:58.378Z","updatedAt":"2022-06-02T22:37:08.673Z","author":[{"id":262,"name":"Anthony Lipp","email":"ajlipp@us.ibm.com","twitter":"","facebook":"","linkedin":"https://www.linkedin.com/in/lippanthony/","featured":false,"priority":0,"title":"Global Head of Strategy for Banking and Financial Markets and IBM Industry Academy member","image_alt":"Anthony Lipp","place_of_employment":"","bio":"","createdAt":"2018-12-01T12:32:52.574Z","updatedAt":"2022-10-31T04:34:50.300Z","image":{"id":1583,"name":"IBldduTCzUgTCeCJrZ5sb-B4","alternativeText":null,"caption":null,"width":null,"height":null,"formats":null,"hash":"cb2a6ffb2c784da2a337f4e13a03277b","ext":".jpg","mime":"image/jpeg","size":26.22,"url":"/thought-leadership/institute-business-value/uploads/en/cb2a6ffb2c784da2a337f4e13a03277b.jpg","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2020-04-10T21:44:30.887Z","updatedAt":"2020-04-10T21:44:30.900Z"}}],"image":{"id":7483,"name":"7a16a019f16649d9bfa381326f78a59e.webp","alternativeText":null,"caption":null,"width":2000,"height":500,"formats":null,"hash":"7a16a019f16649d9bfa381326f78a59e_02fdd302fb","ext":".webp","mime":"image/webp","size":20.81,"url":"/thought-leadership/institute-business-value/uploads/en/7a16a019f16649d9bfa381326f78a59e_02fdd302fb","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:21:16.754Z","updatedAt":"2022-03-06T10:21:16.831Z"},"thumbnail":{"id":6469,"name":"e131217b137a4e8085a0066b48cd6f01.webp","alternativeText":null,"caption":null,"width":729,"height":359,"formats":null,"hash":"e131217b137a4e8085a0066b48cd6f01_be3ad07ec4","ext":".webp","mime":"image/webp","size":9.79,"url":"/thought-leadership/institute-business-value/uploads/en/e131217b137a4e8085a0066b48cd6f01_be3ad07ec4","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:21:02.934Z","updatedAt":"2022-03-06T10:21:03.003Z"},"mlinks":null,"assets":[]},{"id":83,"slug":"government-vaccine-management","title":"The essential role of government in vaccine management","subtitle":"","date":"2021-01-07T13:00:00.000Z","blurb":"Vaccine distribution is logistically challenging and must be executed with care and precision. Distribution requires stable and effective government, as well as extensive planning and coordination.\n","content":"\u003cp\u003eWe are about a year into the COVID-19 pandemic, and we can just now begin to see the light at the end of the tunnel. We now know much more about the virus, and the science of medicine has made great strides both in treating infection and creating preventative vaccines. However, \u003cem\u003edeveloping \u003c/em\u003eand \u003cem\u003emanufacturing\u003c/em\u003e a vaccine does not mean that we are yet out of the woods.\u003c/p\u003e\n\n\u003cp\u003eThe biggest challenge lies ahead\u0026mdash;specifically, distributing the vaccine across the globe both safely and efficiently, and ensuring that the citizenry feels comfortable accepting the shot. At the end of the day, this comes down to trust: Do I, as an individual, trust that the shot I am putting in my arm is both authentic, and safe?\u003c/p\u003e\n\n\u003cp\u003eVaccine distribution is logistically challenging and must be executed with care and precision. If not done right, it is vulnerable to bad actors and financial waste. Distribution requires stable and effective government, as well as extensive planning and coordination.\u003c/p\u003e\n\n\u003cp\u003eAccording to the \u003ca href=\"https://www.who.int/immunization/programmes_systems/supply_chain/resources/tools/en/\" target=\"_blank\"\u003eWorld Health Organization\u003c/a\u003e, a well-managed program \u0026ldquo;can help save on program costs in ensuring program implementation efficiently without sacrificing the quality of service delivery. Poorly managed logistics systems can lead to high and/or unnecessary vaccine wastage rates, stock outs, or improper management of waste, resulting in significant operational program costs, as well as a negative impact on public health.\u0026rdquo;\u003c/p\u003e\n\n\u003cp\u003eStable and effective government rose to the challenge at the height of the pandemic. Stable and effective government built new hospitals in record time, and provisioned and delivered hundreds of thousands of iPads to students who did not have access to Wi-Fi.\u003c/p\u003e\n\n\u003cp\u003eStable and effective government can\u0026rsquo;t stop here. The biggest task lies ahead.\u003c/p\u003e\n\n\u003cp\u003eWe have a vaccine. The fastest ever developed, using the latest mRNA technology, manufactured at high speed and scale. Millions of doses are already available. A near-impossible feat, achieved. \u003cem\u003eA groundbreaking vaccine should be rolled out using the best technology the private sector has to offer.\u003c/em\u003e\u003c/p\u003e\n\n\u003cp\u003eGovernment leaders are currently grappling with many questions:\u003c/p\u003e\n\n\u003cul\u003e\n\t\u003cli\u003e\u003cem\u003eWhich groups should be prioritized?\u003c/em\u003e\u003c/li\u003e\n\t\u003cli\u003e\u003cem\u003eHow will the vaccine be administered?\u003c/em\u003e\u003c/li\u003e\n\t\u003cli\u003e\u003cem\u003eHow will the second dose be tracked?\u003c/em\u003e\u003c/li\u003e\n\t\u003cli\u003e\u003cem\u003eHow can we jumpstart the economy through safe \u0026ldquo;return to work\u0026rdquo; rules and practices?\u003c/em\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\n\u003cp\u003eWe have been collaborating with many government clients, and here\u0026rsquo;s what we have learned about what is required to manage a vaccine rollout, from \u003cem\u003einception to injection\u003c/em\u003e:\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003e1. Planning\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eEach jurisdiction will need to plan not only on how to get the vaccine to their population\u0026mdash;whether it\u0026rsquo;s 200,000 or 8 million people\u0026mdash;but also how to certify vaccination. Meticulous planning is key, and technology should be at the core of building trust.\u003c/p\u003e\n\n\u003cp\u003eDo not leave the CIO and CTO out of planning; they will be essential. Plans should consider supply chain management, security, mobility, and most importantly, the underlying data sharing architecture. Each dose has to be tracked and data needs to be securely shared and easily referenced (vaccine manufacturer, batch number, and date of vaccination). Government officials should leverage inventory management, enabling data insights and forecasting to make vaccine inventory decisions.\u0026nbsp;Critical to all of this is an underlying data sharing platform (such as an existing blockchain network) that regulators, governments, manufacturers, distributors, and consumers can use to view and trace the vaccine management lifecycle.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003e2. Secure distribution\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eIBM recently uncovered \u003ca href=\"https://www.nytimes.com/2020/12/03/us/politics/vaccine-cyberattacks.html\" target=\"_blank\"\u003ea sophisticated spear-phishing campaign targeted at the COVID-19 vaccine supply chain\u003c/a\u003e. Clearly, cybersecurity must be at the heart of planning and execution.\u003c/p\u003e\n\n\u003cp\u003eHow can governments do this?\u003c/p\u003e\n\n\u003cul\u003e\n\t\u003cli\u003e\u003cem\u003eUnderstand risk\u003c/em\u003e: Vulnerabilities can occur at any point in the supply chain. Knowing you are protected at each point of the process is key to managing risk.\u003cbr /\u003e\n\t\u0026nbsp;\u003c/li\u003e\n\t\u003cli\u003e\u003cem\u003eTest\u003c/em\u003e: Every step of the cold supply chain should be tested for security vulnerabilities. Hire threat hunters and \u0026ldquo;ethical hackers\u0026rdquo; to find weaknesses, and then secure them before a malicious actor can exploit it.\u003cbr /\u003e\n\t\u0026nbsp;\u003c/li\u003e\n\t\u003cli\u003e\u003cem\u003ePlan\u003c/em\u003e: Establish shared security policies, standards and processes for a potential breach. Be prepared for an incident and ensure you have access to 24x7 incident response. This type of partnership provides access to top security experts in a dire time of need.\u003c/li\u003e\n\u003c/ul\u003e\n\n\u003cp\u003eDo not skimp on investing in cybersecurity. It can be the difference between a smooth rollout and a very disruptive, expensive crisis. Given the massive complexity of the vaccine distribution network, however, there can no guarantee that all cyberattacks will be detected and mitigated. This is why an underlying blockchain-based data sharing platform is so critical\u0026mdash;it can assure both the citizen and the government that the shot at the point of injection both is authentic and has been safely handled throughout distribution.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003e3. Certification\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eAs schools, sporting arenas, and workplaces start to reopen, they may require health records verifying test or inoculation status. Having a digital health pass becomes essential. This digital pass cannot be one-size-fits-all as organizations, universities, and public entities may have different criteria for returning to work or school.\u003c/p\u003e\n\n\u003cp\u003eAccording to \u003ca href=\"https://www-nytimes-com.cdn.ampproject.org/c/s/www.nytimes.com/2020/12/13/technology/coronavirus-vaccine-apps.amp.html\" target=\"_blank\"\u003ea recent New York Times article\u003c/a\u003e, \u0026ldquo;The advent of electronic vaccination credentials could have a profound effect on efforts to control the coronavirus and restore the economy.\u0026rdquo;\u003c/p\u003e\n\n\u003cp\u003eProviding digital vaccination information to consumers and allowing them to leverage this for their workplaces, schools, and other locations will propel a safe and swift workforce re-entry, and help revive the global economy. Consider partnering with a technology company that has experience with HIPAA, data protection, privacy, and identity management.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003e4. Population analytics\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eFinally, it will be crucial to provide visibility to citizens on how the vaccine rollout is progressing. Similar to how state and local governments have provided data and visualizations on virus cases and deaths, governments should be closely tracking vaccinations. In order to do this, governments need a robust data management platform with clean, real-time data. The collection of public health data and visibility to the public is part of planning and execution.\u003c/p\u003e\n\n\u003cp\u003eIn order to safely re-open our economy and rebuild from the pandemic, citizens must develop a level of trust that when they venture outside their homes to go to work, attend a sporting event, or eat out, they are safe from infection. Reaching critical mass in vaccination is critical, and it all comes down to trust in the vaccine. This is why building a distribution capability that is founded on information-sharing, with security at the core, is so important. People must feel confident that the vaccine going into their arm is authentic and safe.\u003c/p\u003e\n\n\u003cp\u003eIBM has proudly stepped up globally for the public sector for many decades, and we won\u0026rsquo;t stop now. Let us help you with vaccine management. For more information on IBM\u0026rsquo;s offerings, please visit:\u003ca href=\"https://www.ibm.com/impact/covid-19/vaccine-management\" target=\"_blank\"\u003e https://www.ibm.com/impact/covid-19/vaccine-management\u003c/a\u003e\u003c/p\u003e\n","approved":true,"image_alt":"","thumbnail_alt":"","hideRelatedBlogs":false,"createdAt":"2021-01-08T06:21:51.893Z","updatedAt":"2022-03-06T10:21:05.703Z","author":[{"id":746,"name":"Hannah Frey","email":"H.Frey@ibm.com","twitter":"","facebook":"","linkedin":"https://www.linkedin.com/in/hannahfreyit/ ","featured":false,"priority":0,"title":"IBM Client Executive, City of New York","image_alt":"Hannah Frey","place_of_employment":"","bio":"","createdAt":"2021-01-08T06:27:45.800Z","updatedAt":"2021-01-08T06:36:01.154Z","image":{"id":2598,"name":"nhjLkKbM4Z4SVtIn7Yy0NU6y","alternativeText":null,"caption":null,"width":null,"height":null,"formats":null,"hash":"ef23281e2a634afe9be2e10a03065715","ext":".jpg","mime":"image/jpeg","size":37.61,"url":"/thought-leadership/institute-business-value/uploads/en/ef23281e2a634afe9be2e10a03065715.jpg","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2021-01-08T06:33:00.358Z","updatedAt":"2021-01-08T06:33:00.380Z"}}],"image":{"id":6424,"name":"3da0589c757b4f60a5b0a14553f24cd2.webp","alternativeText":null,"caption":null,"width":2000,"height":500,"formats":null,"hash":"3da0589c757b4f60a5b0a14553f24cd2_39b408b517","ext":".webp","mime":"image/webp","size":19.75,"url":"/thought-leadership/institute-business-value/uploads/en/3da0589c757b4f60a5b0a14553f24cd2_39b408b517","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:21:05.427Z","updatedAt":"2022-03-06T10:21:05.670Z"},"thumbnail":{"id":6296,"name":"03121501f3fe41cb984646422c357875.webp","alternativeText":null,"caption":null,"width":729,"height":359,"formats":null,"hash":"03121501f3fe41cb984646422c357875_1bdffdc8b1","ext":".webp","mime":"image/webp","size":9.38,"url":"/thought-leadership/institute-business-value/uploads/en/03121501f3fe41cb984646422c357875_1bdffdc8b1","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:20:49.604Z","updatedAt":"2022-03-06T10:20:49.657Z"},"mlinks":null,"assets":[]},{"id":61,"slug":"closing-hispanic-leadership-gap","title":"Closing the Hispanic leadership gap: What are we going to do about it?","subtitle":"","date":"2020-12-08T00:00:00.000Z","blurb":"Organizations know there is a Hispanic leadership gap. And most wish to do better. But doing something requires more commitment.\n","content":"\u003cp\u003eBack in September, I wrote that the Hispanic community faces a giant disconnect. Hispanics make up \u003ca href=\"https://www.census.gov/quickfacts/fact/table/US/PST045219\" target=\"_blank\"\u003e18.5% of the US population\u003c/a\u003e, contribute \u003ca href=\"https://assets-global.website-files.com/5f2883288707a1d898871825/5f90bba8f6c30a3fe0dfabce_LDC%20FACTBOOK%2010_14.pdf\" target=\"_blank\"\u003e$2.6 trillion\u003c/a\u003e annually to the US economy, and generate a significant share of all new jobs.\u003c/p\u003e\n\n\u003cp\u003eBut there is one place where Hispanics are not well represented, and that is at the top echelons of business. Across the US, Hispanics make up just \u003ca href=\"https://www.fastcompany.com/90456329/this-is-where-there-are-the-most-hispanic-executives-and-its-not-where-you-think\" target=\"_blank\"\u003e4% of senior leadership positions\u003c/a\u003e, a tiny fraction of our contribution to the workforce as a whole.\u003c/p\u003e\n\n\u003cp\u003eThat figure is not acceptable. We know that. Organizations know that. And most wish to do better. But knowing something takes one level of commitment. Doing something requires another.\u003c/p\u003e\n\n\u003cp\u003eBut what measures should we take? To find out, we sought to engage with Hispanics directly.\u003c/p\u003e\n\n\u003cp\u003eOver the past few months, the \u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/\" target=\"_blank\"\u003eIBM Institute for Business Value\u003c/a\u003e surveyed 1,223 Hispanics across the US. We also partnered with \u003ca href=\"https://www.weareallhuman.org/\" target=\"_blank\"\u003eWe Are All Human\u003c/a\u003e to host a \u003ca href=\"https://www.collaborationjam.com/j5/2484262/#/threads/3375833\" target=\"_blank\"\u003eJam\u003c/a\u003e session with Hispanics. In fact, it was the largest one ever: a 33-hour event attended by more than 1,000 people, the majority of whom spent more than 4 hours with us.\u003c/p\u003e\n\n\u003cp\u003eOur new report, \u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/report/hispanic-talent-advantage\" target=\"_blank\"\u003eUntapped potential: The Hispanic talent advantage\u003c/a\u003e, details what we\u0026rsquo;ve learned. (Read the \u003ca href=\"https://www.ibm.com/downloads/cas/2KX38VME\" target=\"_blank\"\u003eSpanish translation\u003c/a\u003e.) However, three key gaps deserve our singular attention.\u003c/p\u003e\n\n\u003cul\u003e\n\t\u003cli\u003e\u003cstrong\u003eThe first has to do with mentoring. \u003c/strong\u003eWe\u0026rsquo;ve all heard the mentoring message loud and clear. Most of us are mentoring others right now. That\u0026rsquo;s good and it\u0026rsquo;s effective. But it\u0026rsquo;s not enough. A member of our Jam event told us, \u0026ldquo;Hispanics are over mentored and under sponsored.\u0026rdquo; The difference? \u0026ldquo;Mentors talk to you,\u0026rdquo; said one Jammer. \u0026ldquo;But sponsors talk about you.\u0026rdquo; Active advocacy\u0026mdash;done repeatedly and at scale\u0026mdash;is a critical and often missing element to advancement. We need sponsors who will step up and engage others on behalf of Hispanic professionals, especially younger professionals. Only with this level of persistent action can we move the needle on performance.\u003cbr /\u003e\n\t\u0026nbsp;\u003c/li\u003e\n\t\u003cli\u003e\u003cstrong\u003eThe second thing has to do with over simplification. \u003c/strong\u003eAnyone with a close understanding of Hispanics and Latinos in the US recognizes the vast differences in cultural values, backgrounds, and places of origin, just as there are in life experience. Yet most programs and outreach treat the Hispanic community as though it were a single block. We also frequently fail to reflect that individual Hispanics may feel very differently about their heritage. To be relevant and relatable, we need to appreciate the nuances. My friend, Dr. Robert Rodriguez, helped get at some of these nuances in the Jam with what he calls the four Latino archetypes:\u003c/li\u003e\n\u003c/ul\u003e\n\n\u003cp\u003e\u003cem\u003eInvisible Latino\u003c/em\u003e: These are individuals who choose to downplay their Hispanic heritage at work because they don\u0026#39;t feel it is relevant, they prefer not to be labeled, or they simply choose to connect more closely with another aspect of their identity. \u0026nbsp;\u003cbr /\u003e\n\u003cbr /\u003e\n\u003cem\u003eEquivocal Latino\u003c/em\u003e:\u0026nbsp;For these individuals, expressing their Hispanic identity is situational. They lean into it at certain times, especially when interacting with other Hispanics. But they minimize or conceal their heritage in other contexts.\u0026nbsp;\u003cbr /\u003e\n\u003cbr /\u003e\n\u003cem\u003eRetro Latino\u003c/em\u003e:\u0026nbsp;These individuals have a strong desire to reconnect with their Hispanic roots. They may not have leaned into their Latino identity in the past, but they want to do so now.\u0026nbsp;Sometimes becoming a parent pushes someone to become a retro-Latino because they want their children to have a stronger connection to their Latino identity than they did.\u0026nbsp;\u003cbr /\u003e\n\u003cbr /\u003e\n\u003cem\u003eUnapologetic Latino\u003c/em\u003e:\u0026nbsp;These individuals wholeheartedly see their Hispanic identity as an asset and source of strength. They fully acknowledge their Latino roots and celebrate them. They also want others to learn about their culture and celebrate it with them.\u0026nbsp;They tend to be strong advocates for Latino issues.\u0026nbsp;\u003c/p\u003e\n\n\u003cp\u003eThese archetypes can help us recognize that Hispanics bring both a cultural and personal context to their identities. Knowing this can help organizations tailor their outreach more effectively. After all, if we can\u0026rsquo;t reach people where they are, then we may miss them altogether.\u003c/p\u003e\n\n\u003cul\u003e\n\t\u003cli\u003e\u003cstrong\u003eThe third and most troubling issue is that we are failing Latinas. \u003c/strong\u003eLatinas face a double gap\u0026mdash;they are penalized because of their race and penalized again because of their gender. I call it the \u0026ldquo;gap within a gap.\u0026rdquo; And it has widespread financial ramifications. Latinas in the US are paid \u003ca href=\"https://leanin.org/data-about-the-gender-pay-gap-for-latinas#the-pay-gap\" target=\"_blank\"\u003e45% less than white men\u003c/a\u003e on average. To put this in context, \u003ca href=\"https://iwpr.org/wp-content/uploads/2020/09/Gender-Wage-Gap-Fact-Sheet-2.pdf\" target=\"_blank\"\u003ethe average Latina has to work 23 months\u003c/a\u003e to earn what a white man earns in 12. But it\u0026rsquo;s not just men. Latinas also \u003ca href=\"https://leanin.org/data-about-the-gender-pay-gap-for-latinas#the-pay-gap\" target=\"_blank\"\u003eearn 30% less than white women\u003c/a\u003e. In fact, they are the lowest-paid group of women across racial and ethnic categories. What makes these findings especially jarring is that Latinas are an entrepreneurial powerhouse. Not only do they run \u003ca href=\"https://www.gsb.stanford.edu/insights/whats-fueling-latino-entrepreneurship-whats-holding-it-back\" target=\"_blank\"\u003e44% of all Latino businesses\u003c/a\u003e, Latinas \u003ca href=\"https://www.gsb.stanford.edu/insights/whats-fueling-latino-entrepreneurship-whats-holding-it-back\" target=\"_blank\"\u003ecreated nearly half of all new Latino businesses\u003c/a\u003e between 2007 and 2015. By failing to recognize, advance, and pay this talent in our workforce, we are doing ourselves a collective disservice.\u003c/li\u003e\n\u003c/ul\u003e\n\n\u003cp\u003e\u003cstrong\u003eIt\u0026rsquo;s time to step up our commitment level. \u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eA Jam poll asked whether business executives are doing enough to pave the way for the success of the next generation of Hispanic leaders: 83% said they are not. That is a sobering percentage.\u003c/p\u003e\n\n\u003cp\u003eYou can help change this. I\u0026rsquo;d like you to do something right now. Take out a piece of paper or pull out your phone and write down how many people you are mentoring today. Then, write the names of people you actively sponsor. Now, look at the numbers. If you\u0026rsquo;re like me, you may find that the two lists are uneven. Most of us mentor more people than we sponsor. I\u0026rsquo;d like to ask that we make it our New Year\u0026rsquo;s resolution to balance these lists and sponsor and advocate for the same number of people you are mentoring.\u003c/p\u003e\n\n\u003cp\u003eSecond, go to your company\u0026rsquo;s website and intranet and take a look at the diversity and inclusion programs your organization offers. Are they one-size-fits-all? Think about one or two ways you can connect with those whose backgrounds and archetypes are similar to yours. Think about what helped you most in your career. Can you use that experience to help raise the effectiveness of your organization\u0026rsquo;s outreach so it reflects the diversity of the Hispanic community?\u003c/p\u003e\n\n\u003cp\u003eFinally, I\u0026rsquo;d like you to commit to being an advocate for Latina advancement. Are Latina women represented in upper management in your organization? What can you do to create specific opportunities for up-and-coming Latinas to be mentored and sponsored by senior colleagues? If we are to create change, we need to make doing so a strategic priority, with special programs, defined metrics, and clear accountability.\u003c/p\u003e\n\n\u003cp\u003eAs we head into 2021, I hope you will join me in moving from wishes to plans and from talk to accountability. Thank you for engaging with me on this.\u003c/p\u003e\n","approved":true,"image_alt":"Closing the Hispanic leadership gap","thumbnail_alt":"Closing the Hispanic leadership gap","hideRelatedBlogs":false,"createdAt":"2020-12-21T13:26:54.509Z","updatedAt":"2022-03-06T10:21:12.916Z","author":[{"id":107,"name":"Jesus Mantas","email":"jesus.mantas@us.ibm.com","twitter":"https://twitter.com/jmantas","facebook":"","linkedin":"https://www.linkedin.com/in/jmantas/","featured":false,"priority":0,"title":"Senior Managing Partner, IBM Consulting","image_alt":"Jesus Mantas","place_of_employment":"","bio":"","createdAt":"2018-12-01T12:32:54.496Z","updatedAt":"2023-06-22T21:44:46.857Z","image":{"id":2258,"name":"YFh-kYNfo-I3RnDHeWnRc10b","alternativeText":null,"caption":null,"width":null,"height":null,"formats":null,"hash":"3672674ae7004cf0a068e35bf5beb3d0","ext":".jpg","mime":"image/jpeg","size":7.18,"url":"/thought-leadership/institute-business-value/uploads/en/3672674ae7004cf0a068e35bf5beb3d0.jpg","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2020-10-13T02:40:05.718Z","updatedAt":"2020-10-13T02:40:05.735Z"}}],"image":{"id":7533,"name":"d70ba3131c854febab5a6f4164583ea6.webp","alternativeText":null,"caption":null,"width":1441,"height":321,"formats":null,"hash":"d70ba3131c854febab5a6f4164583ea6_5f95a06f18","ext":".webp","mime":"image/webp","size":12.25,"url":"/thought-leadership/institute-business-value/uploads/en/d70ba3131c854febab5a6f4164583ea6_5f95a06f18","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:21:12.810Z","updatedAt":"2022-03-06T10:21:12.898Z"},"thumbnail":{"id":6978,"name":"7e8e27d6b9d4474e864fd58259d500ad.webp","alternativeText":null,"caption":null,"width":381,"height":191,"formats":null,"hash":"7e8e27d6b9d4474e864fd58259d500ad_524dc3fb18","ext":".webp","mime":"image/webp","size":3.9,"url":"/thought-leadership/institute-business-value/uploads/en/7e8e27d6b9d4474e864fd58259d500ad_524dc3fb18","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:20:52.389Z","updatedAt":"2022-03-06T10:20:52.432Z"},"mlinks":null,"assets":[]},{"id":50,"slug":"covid-19-business-performance","title":"How technology choices affect business performance during COVID-19","subtitle":"","date":"2020-11-12T13:00:00.000Z","blurb":"Public and business models are fast evolving to become more digital and ubiquitous.\n","content":"\u003cp\u003eSixty percent of business leaders are accelerating their digital transformation efforts as a result of COVID-19. This, in itself, is not really news or surprising. We understand how a world in lockdown, where movements are limited, needs to rely heavily on technology to continue operating. Public and business models are fast evolving to become more digital and ubiquitous.\u003c/p\u003e\n\n\u003cp\u003eAs I was working to define and ramp-up the IBM response to COVID-19, I wanted to understand which technologies are making a real difference among companies that are faring relatively well during this crisis and companies that are not. This would help us better guide our clients to technologies that may offer them the most significant benefits. I thought approaching this question by industry and comparing across industries might give us some new and interesting insights, as there are many complex factors at play within each given sector of the economy.\u003c/p\u003e\n\n\u003cdiv class=\"ckeditor-html5-video\" data-responsive=\"true\"\u003e\n\u003cvideo controls=\"controls\" poster=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/28662874ff7a42a1886f5569276698ce.jpg\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/218a7cc0ab4f4c86bf6cf13c92193af9.mp4\" style=\"height:auto; max-width:100%\" width=\"720\"\u003e\u0026nbsp;\u003c/video\u003e\n\u003c/div\u003e\n\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\n\n\u003cp\u003eObviously, it\u0026rsquo;s not all about technology. Our research shows that for six of the 18 industries we analyzed, you can\u0026rsquo;t really detect any strong correlation between technology footprint and financial performance. Indeed, industry performance has been influenced by many external factors, such stay-at-home orders, travel restrictions, and supply chain disruptions, among others.\u003c/p\u003e\n\n\u003cp\u003eBut what our research reveals is that there is a massive increase in the direct correlation between technology adoption and financial performance during COVID-19 compared to the past three years. Prior to recent events, there were only a few industries in which these exponential technologies played a significant role in financial performance.\u003c/p\u003e\n\n\u003cp\u003eResults are striking. In 12 industries, leaders in technology adoption outperformed their less-advanced peers by an average of 6 percentage points and as much as 16 percentage points in revenue performance. Industries are seeing the effects of their technology choices in their financial performance.\u003c/p\u003e\n\n\u003cp\u003eFor example, differentiation has been high in retail this year. Those in the top 10 percent of technology adoption have outperformed the remaining 90 percent on revenue growth by 16 percentage points. For a typical $10 billion revenue company, this is equivalent to a revenue premium for high-technology adopters of $1.6 billion annually.\u003c/p\u003e\n\n\u003cp\u003eOur research also reveals that the relative weight and influence of certain technologies on performance has changed dramatically. We are talking about a shift of the technology mix that underpins performance by providing greater resiliency, agility, and speed. In particular, adoption of cloud and AI have become significantly larger contributors to improved financial performance since the onset of COVID-19. \u0026nbsp;\u003c/p\u003e\n\n\u003cp\u003e\u003cimg alt=\"Technology mix that underpins performance\" height=\"545\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/6640cb0b34ef406a9d7fb49af489aa36.png\" width=\"550\" /\u003e\u003c/p\u003e\n\n\u003cp\u003eThe mix has changed overall, but we could also determine that each industry has a unique \u0026ldquo;fingerprint\u0026rdquo; for key technologies. The technologies that benefit one industry are not always differentiating for another. Companies that have invested in the right mix of industry-specific key technologies have gained a significant revenue premium during the current crisis.\u003c/p\u003e\n\n\u003cp\u003eOf course, we\u0026rsquo;re highly focused on the pandemic right now. However, it is by no means the only economic risk facing businesses today. There are significant global political and environmental risks and challenges that may need to be addressed at any time. And other pandemics remain an ongoing possibility. Organizations that adapt to COVID-19 with speed, agility, and resilience are likely to be well positioned to meet other sudden challenges.\u003c/p\u003e\n\n\u003cp\u003eUntil now, leaders were likely unaware of the fingerprint of technologies that lend advantage to each industry. So, while digital transformation efforts have continued, they may not have been aimed at the best targets. This initial research starts addressing this issue and provide a macro-compass to business leaders in their respective fields of activity.\u003c/p\u003e\n\n\u003cp\u003eThe next normal is being shaped right now. It calls for leaders to step back and make some critical shifts and decisions to redefine or significantly adjust their enterprises to this new reality. Some leaders are responding faster to challenges and opportunities by accelerating their business transformation. They seize the potential of digital technologies to shape business and operating models for the future, applying these new technologies in conjunction with their historic strengths to reshape their competitive positions.\u003c/p\u003e\n\n\u003cp\u003eWe call this journey the path to a revolutionary, next-generation business model \u0026ldquo;\u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/report/build-cognitive-enterprise\" target=\"_blank\"\u003eThe Cognitive Enterprise.\u0026rdquo;\u003c/a\u003e\u003c/p\u003e\n\n\u003cp\u003eOur new report, \u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/report/digital-acceleration\" target=\"_blank\"\u003e\u0026ldquo;Digital acceleration: Top technologies driving growth in a time of crisis,\u0026rdquo;\u003c/a\u003e provides specifics on our detailed research. It explains how particular technologies can be applied to six core capabilities that are helping industries navigate the pandemic and emerge stronger in a post-pandemic world\u003c/p\u003e\n\n\u003cp\u003eAs we say in the report: \u0026ldquo;Realizing the vision requires immediate action.\u0026rdquo; The report can help you identify the differentiating technologies being used by leaders in your industry, and where to apply your digital transformation to optimize them.\u003c/p\u003e\n","approved":true,"image_alt":"","thumbnail_alt":"","hideRelatedBlogs":false,"createdAt":"2020-11-11T00:40:55.030Z","updatedAt":"2022-03-06T10:21:12.441Z","author":[{"id":310,"name":"Jean-Stéphane Payraudeau ","email":"Jean-Stephane.Payraudeau@ibm.com","twitter":"","facebook":"","linkedin":"","featured":false,"priority":0,"title":"Managing Partner, Offering Management, Assets, IBV, and Industry CoCs IBM Consulting","image_alt":"","place_of_employment":"","bio":"","createdAt":"2020-10-24T03:24:05.264Z","updatedAt":"2022-08-12T03:03:50.032Z","image":null}],"image":{"id":7444,"name":"2a0f236799bc433fb712c43f301b9346.webp","alternativeText":null,"caption":null,"width":2000,"height":500,"formats":null,"hash":"2a0f236799bc433fb712c43f301b9346_e604b6efe0","ext":".webp","mime":"image/webp","size":33.85,"url":"/thought-leadership/institute-business-value/uploads/en/2a0f236799bc433fb712c43f301b9346_e604b6efe0","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:21:12.363Z","updatedAt":"2022-03-06T10:21:12.417Z"},"thumbnail":{"id":6298,"name":"9cc866a82a334ebd892df4a99210fd74.webp","alternativeText":null,"caption":null,"width":1518,"height":746,"formats":null,"hash":"9cc866a82a334ebd892df4a99210fd74_194b76cee9","ext":".webp","mime":"image/webp","size":62.74,"url":"/thought-leadership/institute-business-value/uploads/en/9cc866a82a334ebd892df4a99210fd74_194b76cee9","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:20:54.784Z","updatedAt":"2022-03-06T10:20:54.911Z"},"mlinks":null,"assets":[]},{"id":48,"slug":"european-post-pandemic-banking","title":"A European perspective on post-pandemic banking","subtitle":"","date":"2020-10-19T12:00:00.000Z","blurb":"The successful post-pandemic banks will be those that understand the essentials to providing certainty in and uncertain world.\n","content":"\u003cp\u003eThe COVID-19 pandemic continues to have a significant impact on the world\u0026rsquo;s population, industries and entire economies. Our lives have changed, in every country, in every way, and amidst ongoing uncertainty.\u003c/p\u003e\n\n\u003cp\u003eThe action and reaction of our European Banks will be the beating heart of ensuring stability and driving economic recovery in Europe. Successful post-pandemic banks will be those that understand the essentials to providing certainty in an uncertain world.\u003c/p\u003e\n\n\u003cdiv class=\"ckeditor-html5-video\" data-responsive=\"true\"\u003e\n\u003cvideo controls=\"controls\" controlslist=\"nodownload\" poster=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/f0c38f8ef1fd40c1a445567f51d839c3.jpg\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/1aa434d76e494dcbbed6d809b26b35c8.mp4\" style=\"max-width: 100%; height: auto;\" width=\"700\"\u003e\u0026nbsp;\u003c/video\u003e\n\u003c/div\u003e\n\n\u003cp\u003e\u003cstrong\u003eImpact on the European economy\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eThe overall impact on the economy in Europe has been profound. Eurostat reported \u003ca href=\"https://ec.europa.eu/eurostat/documents/2995521/10545332/2-14082020-AP-EN.pdf/7f30c3cf-b2c9-98ad-3451-17fed0230b57\" target=\"_blank\"\u003ea decrease of GDP\u003c/a\u003e in the euro area of 12.1 percent in the second quarter of 2020, versus the previous quarter. This is the biggest fall in GDP since 1995. In the first quarter, GDP fell by 3.6 percent in the euro area. Compared with the second quarter of 2019, the drop is even greater\u0026mdash;15.0 percent.\u003c/p\u003e\n\n\u003cp\u003eThe dramatic second quarter GDP drop is observable across the world, which comes as no surprise. The impact in the United States is dramatic as well, although slightly less so than in Europe. US GDP decreased in second quarter by 9.5 percent versus the previous quarter.\u003c/p\u003e\n\n\u003cp\u003e\u003cimg alt=\"GDP growth rates over the previous quarter\" height=\"417\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/f8d621d9bab644798658b46603c27dd7.png\" width=\"708\" /\u003e\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eThe consequences for European banks\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eAs outlined in the IBV Expert Insights report \u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/report/post-pandemic-bank\" target=\"_blank\"\u003e\u0026quot;Essentials for the post-pandemic bank\u0026quot;\u003c/a\u003e, credit defaults have escalated on a global scale.\u0026nbsp; Higher levels of non-performing-loans (NPL) are triggered in retail banking by high unemployment rates, high delinquencies in credit card operations and unsecured loans. In wholesale banking, small and medium enterprises default rates have risen and will expected to continue to rise. For large corporations, heavy restructuring is already seen in hard-hit industries, such as travel and transportation.\u003c/p\u003e\n\n\u003cp\u003eWith 2020 second-quarter results recently reported by all European large banks, the overall picture is clear. Non trading-related profits have dramatically fallen, compared to second quarter of last year.\u003c/p\u003e\n\n\u003cp\u003e\u003cimg alt=\"2019 Q2 vs 2020 Q2 net results \" height=\"469\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/73b76ec59043495dbdfe3aad0aec618e.png\" width=\"708\" /\u003e\u003c/p\u003e\n\n\u003cp\u003eThe dominant trigger clearly is the significant increase in the provision for bad loans in Q2 2020.\u003c/p\u003e\n\n\u003ch3 class=\"ck-h3 ibv-ckeditor\"\u003e\u003cimg alt=\"Provision for loan losses \" height=\"412\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/815700f82a7144d7b19fc406d774c881.png\" width=\"696\" /\u003e\u003c/h3\u003e\n\n\u003ch3 class=\"ck-h3 ibv-ckeditor\"\u003e\u003cstrong\u003eFour imperatives for the financial services industry in Europe\u003c/strong\u003e\u003c/h3\u003e\n\n\u003cp\u003e\u003cstrong\u003eLower cost structure radically\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eGiven the financial impact on European banks, banks must operate at radically lower costs. Financial institutions will have to act quickly to cut more cost and uncover new savings and efficiencies.\u003c/p\u003e\n\n\u003cp\u003eThe cost savings areas for financial services will need to be:\u003c/p\u003e\n\n\u003cul\u003e\n\t\u003cli style=\"list-style-type:none\"\u003eSubstantial: Cut greater than 40 percent to reflect new economic and competitive realities\u003c/li\u003e\n\t\u003cli\u003eStructural: Be structural in nature, going beyond being capacity-reducing\u003c/li\u003e\n\t\u003cli\u003eSustainable: Deliver a sustainable cost structure without impacting customer, resiliency, compliance, and security requirements.\u003c/li\u003e\n\u003c/ul\u003e\n\n\u003cp\u003e\u003cstrong\u003eAdopt extreme digitization on cloud\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eExtreme digitization starts with evolving the customer experience to create more cohesive and personal digital journeys. This requires combining and integrating every aspect of customer experience into a single platform and tooling. Moving beyond the customer interface, digitization includes middle- and back-office operations. It also supports functions that can be transformed and automated into intelligent workflows.\u003c/p\u003e\n\n\u003cp\u003eOne of the key approaches for banks to apply is intelligent automation. The ongoing digitization and automation of work, by infusing Robotics, AI and Machine Learning into business processes, will enable banks to operate at lower cost. The areas in which to apply intelligent automation range from loan processing, customer onboarding, risk and compliance, to learning and development. Extreme digitization is developed on an open hybrid cloud platform that enables financial institutions to securely build, run and manage apps and workloads in a consistent way, across any cloud. IBM is a recognized leader in this space and has helped financial institutions create efficiencies, improve customers outcomes and reduce risk.\u003c/p\u003e\n\n\u003cdiv class=\"btgrid\"\u003e\n\u003cdiv class=\"row row-1\"\u003e\n\u003cdiv class=\"col-md-12\"\u003e\n\u003cdiv class=\"content\"\u003e\n\u003cp\u003e\u003cstrong\u003e\u003ca href=\"https://www.ibm.com/case-studies/barclays-bank-plc\" target=\"_blank\"\u003eA leading European/UK bank\u003c/a\u003e\u003cem\u003e \u003c/em\u003e\u003c/strong\u003e\u003cem\u003eincreased its customer satisfaction around automated, multichannel services to a Net Promoter Score (NPS) of 70 and rolled out new automated multichannel customer processes 88 percent faster by using an efficient process management capability that taps IBM Business Automation Workflow.\u003c/em\u003e\u003c/p\u003e\n\u003c/div\u003e\n\u003c/div\u003e\n\u003c/div\u003e\n\u003c/div\u003e\n\n\u003cdiv class=\"btgrid\"\u003e\n\u003cdiv class=\"row row-1\"\u003e\n\u003cdiv class=\"col-md-12\"\u003e\n\u003cdiv class=\"content\"\u003e\n\u003cp\u003e\u003cstrong\u003eA leading European/Dutch bank\u003cem\u003e \u003c/em\u003e\u003c/strong\u003e\u003cem\u003ebank embarked on a learning transformation journey, aiming to close the skills gap of employees in critical areas such as digital customer engagement and KYC/AML, by providing personalized, 24/7 available e-learning. The platform had to meet very strict data regulations and requirements (C3). The closing of employee skills gaps led to better customer engagement and cost savings in learning for the bank, which were used to fund the ongoing HR transformation.\u003c/em\u003e\u003c/p\u003e\n\u003c/div\u003e\n\u003c/div\u003e\n\u003c/div\u003e\n\u003c/div\u003e\n\n\u003cp\u003e\u003cstrong\u003eReinvent customer engagements\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eRemote working and changes in digital consumption models are altering the routines and expectations of customers, especially in terms of their digital adoption and adaptation. In the post-COVID World the data-driven bank will be driven by the data-enabled client. Customer proximity will be fostered less by using data to personalize offers, and more by infusing every interaction with artificial intelligence (AI). This new business model brings new value by preserving client proximity and enabling compelling user experiences, particularly during crises such as the pandemic lockdown.\u003c/p\u003e\n\n\u003cdiv class=\"btgrid\"\u003e\n\u003cdiv class=\"row row-1\"\u003e\n\u003cdiv class=\"col-md-12\"\u003e\n\u003cdiv class=\"content\"\u003e\n\u003cp\u003e\u003cstrong\u003e\u003ca href=\"https://www.ibm.com/consulting/client-stories/rbs\" target=\"_blank\"\u003eA leading UK bank takes on digital transformation to make home buying easier.\u003c/a\u003e\u003c/strong\u003e\u003cem\u003e\u003cstrong\u003e\u003ca href=\"https://www.ibm.com/consulting/client-stories/rbs\" target=\"_blank\"\u003e\u0026nbsp; \u003c/a\u003e\u003c/strong\u003eWhile on the phone, with a customer, the bank employee gets fast digital mortgage support from Marge, an AI-powered, cloud-based platform with an evolving personality. With Cognitive enterprise technology at their fingertips, employees support new and existing home buying customers seeing 20 percent improvement in customer NPS, and a 10 percent decrease in call duration.\u003c/em\u003e\u003c/p\u003e\n\u003c/div\u003e\n\u003c/div\u003e\n\u003c/div\u003e\n\u003c/div\u003e\n\n\u003cp\u003eIn times of crisis, a flight-to-quality or a flight-to-safety occurs when customers migrate to environments that are perceived to be less risky, even if they later prove to be otherwise. This can manifest itself as sudden and unexpected migration of clients due to a negative perception or single bad experience being amplified.\u003c/p\u003e\n\n\u003cp\u003eTo ensure no client relationship relies on demand-outdated models, or that clients become \u0026ldquo;digitally left behind,\u0026rdquo; banks should preserve both the perception and reality of quality and safety for their customer experiences\u0026mdash;and provide easy accessibility. Ensuring that distanced does not mean disadvantaged will be an essential part of economic recovery. Financial institutions that employ a human-centric model will help their customers navigate and thrive in an uncertain world.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eMake everything secure and compliant to the core\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003ePrior to the 2020 pandemic, the industry was already under pressure to ensure compliance to regulations, particularly in the space of AML and Data Protection.\u003c/p\u003e\n\n\u003cp\u003e\u003ca href=\"https://www.fenergo.com/industry-research/global-report-financial-institutions-fines\" target=\"_blank\"\u003eFenergo Global Research Report on Financial Institution Fines and Enforcement Actions\u003c/a\u003e:\u003c/p\u003e\n\n\u003cp\u003e\u003cimg alt=\"Financial institutions fines and enforcement actions\" height=\"246\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/1e2ca0b6c6c24fb29174e1331c0153d7.png\" width=\"709\" /\u003e\u003c/p\u003e\n\n\u003cp\u003eCOVID-19 has dramatically amplified both the speed and the need to ensure compliance, accelerating reliance on digital platforms, increasing interconnectivity, expanding channels and 24/7 access. Each of these enhancements brings innovation to the client experience but also drives an increase in novel and unanticipated security risks, threats, and potential for data breaches, fraud and money laundering.\u003c/p\u003e\n\n\u003cp\u003eBad actors use uncertainty and chaos to conceal their activities. Risk mitigation depends on removing any obscuring layers by quickly exposing suspicious transactions, connections and patterns in data. It is essential to know your customer and how they behave so you can rapidly identify anomalies. Advanced analytics, Machine Learning and AI that, in turn, drive intelligent automation will be enable banks to move faster than the speed of the threat and while complying with increasingly complex regulations.\u003c/p\u003e\n\n\u003cp\u003eConsider this recent example undertaken by notable banking partners, including BNP Paribas, to deliver a public cloud platform that is Financial Services ready. It is designed to enable a rich public cloud ecosystem that supports customer proximity, with specific features for security, compliance and resiliency that financial institutions require.\u003c/p\u003e\n\n\u003cdiv class=\"btgrid\"\u003e\n\u003cdiv class=\"row row-1\"\u003e\n\u003cdiv class=\"col-md-12\"\u003e\n\u003cdiv class=\"content\"\u003e\n\u003cp\u003e\u003ca href=\"https://www.forbes.com/sites/moorinsights/2020/07/22/ibm-cloud-for-financial-services-momentum-builds-with-bnp-paribas-and-30-isvs/#4b05a3d78e11\" target=\"_blank\"\u003eA leading European bank\u003c/a\u003e\u003cstrong\u003e\u003ca href=\"https://www.forbes.com/sites/moorinsights/2020/07/22/ibm-cloud-for-financial-services-momentum-builds-with-bnp-paribas-and-30-isvs/#4b05a3d78e11\" target=\"_blank\"\u003e works with IBM to develop a public cloud secure enough for Banking.\u003c/a\u003e\u003cem\u003e\u003ca href=\"https://www.forbes.com/sites/moorinsights/2020/07/22/ibm-cloud-for-financial-services-momentum-builds-with-bnp-paribas-and-30-isvs/#4b05a3d78e11\" target=\"_blank\"\u003e\u0026nbsp; \u003c/a\u003e\u003c/em\u003e\u003c/strong\u003e\u003cem\u003eFaced with changing consumer behaviors and expectations in areas such as real-time banking, mobile services and access to a more complete view of their financial situation, the project aims to accelerate the bank\u0026rsquo;s digital transformation and improve its operational efficiency whilst meeting the industry\u0026rsquo;s extreme regulatory requirements. For its French operation, the bank had to satisfy European Banking regulations, French disaster recovery rules and EU privacy laws.\u003c/em\u003e\u003c/p\u003e\n\u003c/div\u003e\n\u003c/div\u003e\n\u003c/div\u003e\n\u003c/div\u003e\n\n\u003cp\u003eFinancial Services clients, particularly in Europe, require a policy framework that enables a collaborative model for implementing security control and compliance. This policy framework needs to support industry-informed cloud controls required to operate securely with bank-sensitive data in the public cloud. Common operational criteria and a streamlined compliance controls framework built specifically for the financial services industry allows the ecosystem to function with confidence.\u003c/p\u003e\n\n\u003cp\u003eThe journey to a secure and successful next normal requires the courage to truly modernize the application portfolio. This includes migrating to resilient and secure clouds; driving the digitization of processes into intelligent workflows; building self-serve capabilities; embedding security and compliance across operations; and designing a new relationship with customers. The IBV has gathered a set of best practices and recommendations in\u0026nbsp;\u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/report/covid-19\" target=\"_blank\"\u003eour COVID-19 Action Guide\u003c/a\u003e, along with related resources to support you as you make the journey.\u003c/p\u003e\n","approved":true,"image_alt":"","thumbnail_alt":"","hideRelatedBlogs":false,"createdAt":"2020-10-07T23:44:31.482Z","updatedAt":"2022-03-06T10:21:21.497Z","author":[{"id":430,"name":"Julien Verbeek","email":"julien.verbeek@nl.ibm.com","twitter":"","facebook":"","linkedin":"https://www.linkedin.com/in/julienverbeek","featured":false,"priority":0,"title":"VP, Banking and Financial Markets, IBM Benelux","image_alt":"Julien Verbeek","place_of_employment":"","bio":"","createdAt":"2020-10-08T04:54:28.471Z","updatedAt":"2020-10-17T01:01:58.411Z","image":{"id":2274,"name":"PVIgNUn67-Eh-_CBSzVpGFuu","alternativeText":null,"caption":null,"width":null,"height":null,"formats":null,"hash":"802327fd02174ee59bd62b1951e5eac5","ext":".jpg","mime":"image/jpeg","size":6.5,"url":"/thought-leadership/institute-business-value/uploads/en/802327fd02174ee59bd62b1951e5eac5.jpg","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2020-10-17T01:01:39.392Z","updatedAt":"2020-10-17T01:01:39.404Z"}}],"image":{"id":7284,"name":"3759057c009341bda76a324e75d1e3cb.webp","alternativeText":null,"caption":null,"width":2000,"height":500,"formats":null,"hash":"3759057c009341bda76a324e75d1e3cb_042ef01a29","ext":".webp","mime":"image/webp","size":146.79,"url":"/thought-leadership/institute-business-value/uploads/en/3759057c009341bda76a324e75d1e3cb_042ef01a29","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:21:21.083Z","updatedAt":"2022-03-06T10:21:21.455Z"},"thumbnail":{"id":6530,"name":"406afb6e7f40445585bdee8d31e2385d.webp","alternativeText":null,"caption":null,"width":1518,"height":746,"formats":null,"hash":"406afb6e7f40445585bdee8d31e2385d_18aea275f8","ext":".webp","mime":"image/webp","size":230.32,"url":"/thought-leadership/institute-business-value/uploads/en/406afb6e7f40445585bdee8d31e2385d_18aea275f8","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:21:07.436Z","updatedAt":"2022-03-06T10:21:07.509Z"},"mlinks":null,"assets":[]},{"id":65,"slug":"authentic-leadership","title":"Why resilience is sometimes the wrong word","subtitle":"A new mindset is required to seize the leadership opportunity of a generation","date":"2020-10-02T12:00:00.000Z","blurb":"IBM Consulting Senior Managing Partner Jesus Mantas shares five strategies for authentic leadership.\n","content":"\u003cp\u003eMost people think that resilience is a good word. So did I. Then I participated in a panel discussion with an injured war veteran last year. After hearing his story, I told him that I admired his resilience. He politely replied, \u0026ldquo;I\u0026rsquo;ve come to hate that word. Resilience implies that all your energy goes into recreating the world before your trauma. It doesn\u0026rsquo;t offer the possibility that life after trauma can be fuller or richer.\u0026rdquo;\u003c/p\u003e\n\n\u003cp\u003eThat was a humbling lesson. It was also one that helped me put a recent health trauma that I\u0026rsquo;m experiencing into perspective. And while I would not wish trauma on anyone, I\u0026rsquo;ve always known that crises present an opportunity for faster transformation.\u003c/p\u003e\n\n\u003cdiv class=\"ckeditor-html5-video\" data-responsive=\"true\"\u003e\n\u003cvideo controls=\"controls\" controlslist=\"nodownload\" poster=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/d9942bb976d64d8fb0442c052ab30a7d.jpg\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/0893c673f3294b719637d904b7ca1b74.mp4\" style=\"max-width: 100%; height: auto;\" width=\"720\"\u003e\u0026nbsp;\u003c/video\u003e\n\u003c/div\u003e\n\n\u003cp\u003e\u003cem\u003eJesus Mantas shared this presentation with delegates at TWIN Tech 2020.\u0026nbsp;\u003ca href=\"http://www.twinglobal.org/\" target=\"_blank\"\u003eThe World Innovation Network (TWIN)\u003c/a\u003e\u0026nbsp;is a highly curated, global connective of innovation leaders from across sectors and geographies who build trusted relationships to address the most salient challenges across business, technology and sustainability. The IBM Institute for Business Value is a partner and sponsor of TWIN.\u003c/em\u003e\u003cbr /\u003e\n\u0026nbsp;\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eImagination is the essential skill to engender growth mindsets\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eI\u0026rsquo;ve also learned that imagination is the single most important element in adopting a \u0026ldquo;growth mindset.\u0026rdquo;\u003c/p\u003e\n\n\u003cp\u003eOur brains are encoded to respond to uncertainty as we do any other threat\u0026mdash;to fight, freeze, or flee. Adopting a growth mindset asks us to do something different\u0026mdash;something against our natural evolution and survival instincts. It requires us to look beyond the immediate threat, see the opportunities that surround it, and act as if achieving those opportunities is more important than mitigating the threat.\u003c/p\u003e\n\n\u003cp\u003eLet me give you a recent example from a friend. His global company was nearly wiped out by the COVID-19 crisis. It was an events company\u0026mdash;so you can imagine that the pandemic was a nightmare scenario. As the lockdowns gathered pace, every event the company had planned for the rest of the year was cancelled.\u003c/p\u003e\n\n\u003cp\u003eIt would have been totally understandable for my friend to close his business, find something else to do, and move on. Instead, he imagined something different and transformed his company into a premier digital events business, with a sleek platform that now hosts rich, virtual programs. Over a million people have signed on to use the platform\u0026mdash;far more than the 15,000 people that used to represent a sell-out crowd.\u003c/p\u003e\n\n\u003cp\u003eIf, like my friend, we can rationally and emotionally accept that there could be a massive opportunity in the middle of a crisis, then we can embrace the set of actions needed to realize that opportunity. But how do we do that?\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eGrowth mindsets thrive with authentic leadership \u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eThere are many styles of leadership, but the ones I want to focus on here stand on two opposing ends. One is based on authority, command, and control and on managing scarcity. The other on persuasion, community, and empowerment and in unlocking abundance. With the first mindset, leaders focus their energy on optimizing scarce resources for the achievement of their declared goals. Whereas with the second mindset, leaders focus their personal energy on helping those who can drive the most impact. Some people call this \u0026ldquo;servant leadership.\u0026rdquo; I prefer to call it \u0026ldquo;authentic leadership.\u0026rdquo;\u003c/p\u003e\n\n\u003cp\u003eMost great leaders use a mix of these two styles, depending on the needs of the organization. I would argue, however, that the needs of the present moment require leaders to lean more heavily toward the latter model, reinforcing empathy and authenticity. When we lead without authority, we can tap into a surprising new leadership superpower.\u003c/p\u003e\n\n\u003cp\u003eLet me illustrate this. Several years ago, I had the opportunity to spend eight days in Bhutan. In the US, we measure prosperity based on gross national product. Bhutan uses a different measure, called gross national happiness.\u003c/p\u003e\n\n\u003cp\u003e\u003cimg alt=\"\" height=\"1536\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/369635ff09d544eb9a7d50aad38494c2.jpeg\" width=\"2048\" /\u003e\u003c/p\u003e\n\n\u003cp\u003eAs a general cultural trait, when the Bhutanese get up in the morning, they ask, \u0026ldquo;What does the world need from me the most today?\u0026rdquo;\u003c/p\u003e\n\n\u003cp\u003eCan you imagine waking up and asking the same?\u003c/p\u003e\n\n\u003cp\u003eDorji Wangchuck was one of the guides I met on my trip. He is currently focused on helping the king of Bhutan manage the dire consequences of the pandemic. I had not seen him in a while, but when he learned recently of my health issue, he immediately sent me a text that said, \u0026ldquo;Jesus, as you seek the best doctors to help you medically, we are seeking the best spiritual masters to support you mentally. I am confident everything will be OK with you hereafter. Take care, my friend.\u0026rdquo; In a matter of days, he had personally contacted one of the most sought-after Buddhist masters of our time and arranged for three temples across India and Bhutan (each with hundreds of monks and nuns) to send up thousands of prayers, all specifically in service of my healing. \u0026nbsp;\u003c/p\u003e\n\n\u003cp\u003eThis is what it feels like when someone is an authentic leader to us. It has power beyond command and control, even 7,782 miles away.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eTranslating authentic leadership to the new business reality\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003e\u0026ldquo;Growth mindset versus fixed mindset,\u0026rdquo; \u0026ldquo;scarcity versus abundance,\u0026rdquo; and \u0026ldquo;empathic and authentic leadership versus command and control\u0026rdquo; are familiar concepts to anyone who has sat in on a leadership Zoom meeting over the past four months. But how do these ideas translate to the day-to-day business?\u003c/p\u003e\n\n\u003cp\u003eIn IBM\u0026rsquo;s case, when the pandemic struck, we had an opportunity to put these ideas to work at scale in a large, complex corporation.\u003c/p\u003e\n\n\u003cp\u003eAs COVID-19 hit, we had to reconfigure several IBM offerings in real time. How do you complete in seven days what normally takes many months with no direct authority over the required resources? How do you persuade people to deliver at record pace without a command-and-control relationship? How do you get a diverse collective to adopt a shared goal and pull in the same direction quickly?\u003c/p\u003e\n\n\u003cp\u003eIn our case, authentic leadership translated to empowering a self-directed \u0026ldquo;team of teams.\u0026rdquo; We gathered communities of scientists and other experts, volunteers, business leaders, developers, and partners, and we made sure everyone was clear on the common priorities. The most critical job as leaders in such moments is to look beyond the immediate crisis and help teams imagine the new offerings and better environments that could be created, and then enable them to deliver that vision.\u003c/p\u003e\n\n\u003cp\u003eWe\u0026rsquo;re still learning, but we helped connect client-facing, marketing, and offering leaders in a closed-loop mechanism that increased our ability to deliver by orders of magnitude and, most importantly, accelerated our capacity to pivot toward new client needs. I am confident some of these behaviors will serve us well going forward and create a better way to work than we had before the pandemic.\u003c/p\u003e\n\n\u003cp\u003eAs a traditional leader, you only have the resources of your team at your disposal. As an authentic leader, everyone can be on your team\u0026mdash;so long as you articulate a common goal and the team perceives you as helping them achieve it. When that happens, people begin to pull with you and for you. That is why it is such a superpower.\u003c/p\u003e\n\n\u003cp\u003e\u003cimg alt=\"5 strategies for authentic leadership\" height=\"1899\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/85ad3a19f0764b3f9b3aca24fdc9cb0a.jpg\" width=\"2951\" /\u003e\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eCulture is not created; it is a consequence of leadership\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eCulture is another one of those words that everyone talks about. How do you create a more digital, more agile culture? My answer is: You don\u0026rsquo;t. Culture is an outcome. It\u0026rsquo;s a consequence of behaviors, habits, and reinforcement mechanisms.\u003c/p\u003e\n\n\u003cp\u003eEnvironment shapes culture. Ways of working shape culture. Leaders shape culture by developing and reinforcing the skills and habits that matter the most. It is those leadership actions that eventually generate the culture.\u003c/p\u003e\n\n\u003cp\u003eIn normal times, changing culture is hard because changing habits is hard and because reinforcement mechanisms have a lag time between their implementation and widespread buy-in. But we are not in normal times now, and therein lies the opportunity in the middle of the trauma.\u003c/p\u003e\n\n\u003cp\u003eThe pandemic has given us a \u0026ldquo;species moment,\u0026rdquo; a burning platform to adopt new habits, new leadership, and new ways to achieve things at a pace and scale we wouldn\u0026rsquo;t have believed possible five months ago. We have a window to select which habits will stick and emerge from the trauma of the pandemic as better individuals, communities, and companies in ways that shape our planet for good.\u003c/p\u003e\n\n\u003cp\u003eGreat leaders will seize this moment.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eIn the meantime, smile\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eA 30-year study by UC Berkeley revealed that smiling is correlated with a host of positive\u0026mdash;and surprising\u0026mdash;outcomes. People who smile widely often live longer. They have better standardized test scores. Even their marriages are happier.\u003c/p\u003e\n\n\u003cp\u003eRon Gutman, an inventor, investor, and technology and healthcare entrepreneur, describes in a Ted Talk how smiling reduces stress-enhancing hormones like cortisol, adrenaline, and dopamine and increases mood-enhancing hormones like endorphins.\u003c/p\u003e\n\n\u003cp\u003eIt\u0026rsquo;s also contagious. When we smile, so do others. When we see people smiling, our brain mirrors that reaction, triggering a subconscious state of joy. In other words, smiling creates joy for us and others.\u003c/p\u003e\n\n\u003cp\u003eAt a time that calls for empathic leadership, our smile is one tool that we always have with us. If you remember just one concept from this article, make it this one: When in doubt\u0026mdash;smile.\u003c/p\u003e\n","approved":true,"image_alt":"Why resilience is sometimes the wrong word","thumbnail_alt":"Why resilience is sometimes the wrong word","hideRelatedBlogs":false,"createdAt":"2020-10-02T05:03:22.134Z","updatedAt":"2022-06-02T23:37:06.449Z","author":[{"id":107,"name":"Jesus Mantas","email":"jesus.mantas@us.ibm.com","twitter":"https://twitter.com/jmantas","facebook":"","linkedin":"https://www.linkedin.com/in/jmantas/","featured":false,"priority":0,"title":"Senior Managing Partner, IBM Consulting","image_alt":"Jesus Mantas","place_of_employment":"","bio":"","createdAt":"2018-12-01T12:32:54.496Z","updatedAt":"2023-06-22T21:44:46.857Z","image":{"id":2258,"name":"YFh-kYNfo-I3RnDHeWnRc10b","alternativeText":null,"caption":null,"width":null,"height":null,"formats":null,"hash":"3672674ae7004cf0a068e35bf5beb3d0","ext":".jpg","mime":"image/jpeg","size":7.18,"url":"/thought-leadership/institute-business-value/uploads/en/3672674ae7004cf0a068e35bf5beb3d0.jpg","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2020-10-13T02:40:05.718Z","updatedAt":"2020-10-13T02:40:05.735Z"}}],"image":{"id":6998,"name":"190fd973ffc6477b9a37eaf254386951.webp","alternativeText":null,"caption":null,"width":2000,"height":500,"formats":null,"hash":"190fd973ffc6477b9a37eaf254386951_db31af21aa","ext":".webp","mime":"image/webp","size":35.47,"url":"/thought-leadership/institute-business-value/uploads/en/190fd973ffc6477b9a37eaf254386951_db31af21aa","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:21:19.835Z","updatedAt":"2022-03-06T10:21:20.061Z"},"thumbnail":{"id":6981,"name":"521f7b85b0444430a2f401f95a7fdbbf.webp","alternativeText":null,"caption":null,"width":728,"height":358,"formats":null,"hash":"521f7b85b0444430a2f401f95a7fdbbf_0811e18fc6","ext":".webp","mime":"image/webp","size":16.32,"url":"/thought-leadership/institute-business-value/uploads/en/521f7b85b0444430a2f401f95a7fdbbf_0811e18fc6","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:21:05.355Z","updatedAt":"2022-03-06T10:21:05.653Z"},"mlinks":null,"assets":[]},{"id":78,"slug":"electrify-sustainable-energy","title":"Why we need to electrify energy to sustainably fuel the future ","subtitle":"","date":"2020-09-24T12:00:00.000Z","blurb":"The utility industry is moving toward a fundamental shift in its operations in support of the global Energy Transition.\n","content":"\u003cp\u003eAcross the world, electricity systems are decarbonizing. The reasons are varied, but certainly there\u0026rsquo;s a deep understanding by society and governments that transforming the electricity infrastructure is critical. Our industry is responsible for about one-third of global manmade carbon emissions, yet, it\u0026rsquo;s one of the easier sectors to rapidly decarbonize. This is due to the relative density of carbon sources in this sector, such as coal- and natural gas-fueled power plants, along with the historical social contract and attendant regulatory oversight of this industry.\u003c/p\u003e\n\n\u003cdiv class=\"ckeditor-html5-video\" data-responsive=\"true\" style=\"text-align:center\"\u003e\n\u003cvideo controls=\"controls\" controlslist=\"nodownload\" poster=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/20d9bc2444a84d5e81bcafd388b3316c.jpg\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/bc3a4b5a42244c2fa7e8491cc9d64ec4.mp4\" style=\"max-width: 100%; height: auto;\" width=\"710\"\u003e\u0026nbsp;\u003c/video\u003e\n\u003c/div\u003e\n\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\n\n\u003cp\u003eIt\u0026rsquo;s already happening:\u003c/p\u003e\n\n\u003cul\u003e\n\t\u003cli\u003eUS\u0026nbsp;coal power-generation plummeted 30\u0026nbsp;percent\u0026nbsp;during the first six months of\u0026nbsp;2020, driven by COVID-19 and depressed prices.\u003c/li\u003e\n\t\u003cli\u003e\u003ca href=\"https://www.utilitydive.com/news/target-aims-for-100-renewables-by-2030-walmart-announces-minnesota-solar/556897/\" target=\"_blank\"\u003eRetailer Target\u003c/a\u003e announced their intent to be 100 percent powered by renewables by 2030; Apple\u0026rsquo;s\u0026nbsp;operations are already there, and they\u0026rsquo;ve announced every Apple device will have zero climate-impact by 2030.\u003c/li\u003e\n\t\u003cli\u003e\u003ca href=\"https://www.wsj.com/articles/amazon-to-launch-2-billion-venture-capital-fund-to-invest-in-clean-energy-11592910001\" target=\"_blank\"\u003eAmazon has doubled-down\u003c/a\u003e, indicating they\u0026rsquo;ll invest USD 2 billion in clean energy venture capital.\u003c/li\u003e\n\t\u003cli\u003e\u003ca href=\"http://cbre.vo.llnwd.net/grgservices/secure/GBAI%20Office%202019.pdf?e=1600806382\u0026amp;h=a813b57f51c3d6b097868aaae113fbf9\" target=\"_blank\"\u003eCommercial real estate markets\u003c/a\u003e including Chicago, San Francisco, and Atlanta are increasing their rentable square footage in green energy buildings, and have crossed the 50 percent threshold.\u003c/li\u003e\n\t\u003cli\u003eA 12 megawatt energy storage project in the Netherlands has \u003ca href=\"https://www.energy-storage.news/news/nec-to-build-12mw-crowdfunded-energy-storage-system-in-netherlands\" target=\"_blank\"\u003esuccessfully raised \u0026nbsp;EUR 3.6 million\u003c/a\u003e (USD 4.03 million) through crowdfunding, offering a 5 percent interest to investors, who chipped in a minimum of EUR 500 each.\u003c/li\u003e\n\u003c/ul\u003e\n\n\u003cp\u003eConsumers are demanding change, and they\u0026rsquo;re holding governments and companies accountable.\u003c/p\u003e\n\n\u003cp\u003eGovernment policies such as renewable energy portfolio standards (RPSs) and tax credits kickstarted the move to renewables. This has enabled non-carbon emitting power generation sources (particularly wind and solar) to reach price parity with traditional generation technologies, and their price curves continue to drop.\u003c/p\u003e\n\n\u003cp\u003eBattery storage is on a price/performance curve similar to solar generation and remains the missing piece that will allow renewables to provide services equivalent to those available from controllable fossil-fueled generation.\u003c/p\u003e\n\n\u003cblockquote\u003e\n\u003cp\u003eThese facts underpin our vision, Electrifying Energy (EE): Sustainably fueling the future.\u003c/p\u003e\n\u003c/blockquote\u003e\n\n\u003cp\u003eEE is the global movement that supports decarbonization of large portions of the economy through clean electrification, while maintaining and increasing the reliability and resilience of the electric grid by (1) assuring that the electric grid is reliable and resilient; (2) providing an ever cleaner electric grid; and (3) extending clean reliable electricity to the broader economy.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eEE addresses the urgent market and societal need\u003c/strong\u003e\u003cstrong\u003e for decarbonization \u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eSocieties expect electric utilities to provide uninterrupted power to connected customers in a safe, affordable manner. Electricity is essential; it\u0026rsquo;s the \u0026ldquo;infrastructure of infrastructures\u0026rdquo; (meaning without electricity there\u0026rsquo;s no water, gas, or communications).\u0026nbsp; Electricity is so important that it\u0026rsquo;s often government-owned or at least heavily regulated.\u003c/p\u003e\n\n\u003cp\u003eThe fundamental change is around the energy transition: substantial substitution of clean electricity for fossil fuels in other sectors of the economy. This replacement must be done while delivering a safe, reliable, affordable, and continuous service.\u003c/p\u003e\n\n\u003cp\u003eOur work with the IBM Institute for Business Value (IBV) on the recent report, \u0026ldquo;\u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/report/digitize-electric-utilities\" target=\"_blank\"\u003eDigitizing Electric Utilities: Core Performers power up reliability and resiliency\u003c/a\u003e,\u0026rdquo; speaks directly to the importance of improving and automating infrastructure to prepare for today, as well as tomorrow. Making changes that drive reliable and efficient systems improves the odds of successful outcomes.\u003c/p\u003e\n\n\u003cp\u003eThe factors and market dynamics propelling enhanced electric infrastructures include:\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eDecarbonizing the energy system:\u003c/strong\u003e\u003cstrong\u003e\u0026nbsp;\u003c/strong\u003eElectric utilities\u0026rsquo; decarbonization is primarily driven by three factors\u0026mdash;societal, political, regulatory, in addition to\u003cstrong\u003e\u0026nbsp;\u003c/strong\u003eeconomic factors:\u003c/p\u003e\n\n\u003col\u003e\n\t\u003cli\u003erenewable energy generation has reached price-parity with fossil fuel generation and continues to decrease\u003c/li\u003e\n\t\u003cli\u003erenewables remove commodity (fuel) risk from energy company\u0026rsquo;s portfolios\u003c/li\u003e\n\t\u003cli\u003eas a result, financiers of new power generation are investing the majority of their funds in renewable energy projects, instead of traditional fossil-fueled projects\u003c/li\u003e\n\u003c/ol\u003e\n\n\u003cp\u003e\u003cstrong\u003eThe four market dynamics of Electrifying Energy\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003e\u003cimg alt=\"The four market dynamics of Electrifying Energy\" height=\"431\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/58393c46646443108cf60479e5baaafe.png\" width=\"750\" /\u003e\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eNetwork resilience and operational excellence:\u003c/strong\u003e Utilities must do what they\u0026rsquo;ve always done: maintain the social contract of providing uninterrupted power to connected customers in a safe and affordable manner. Utilities must adapt to current climate-related risks while mitigating for future ones. The sophistication required to maintain this contract increases as the economy becomes more dependent on electricity for core energy needs. This results in an electricity system that becomes more complex, diversified, and resilient.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eRenewables integration:\u003c/strong\u003e Utilities must integrate intermittent, uncontrollable wind and solar power into the existing grid infrastructure, which depends on large, central power plants feeding energy one-way \u003cem\u003eto customers\u003c/em\u003e, through the electricity grid. Most of this new renewable energy comes from large-scale wind farms or solar farms, connected to the grid\u0026rsquo;s high voltage system (the transmission system).\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eIndustry electrification: \u003c/strong\u003eBusiness and government leaders are replacing fossil fuel with electricity as their primary energy source, due to a lower cost of energy, primarily from renewables and increased cost certainty, compared to volatile commodities like natural gas, and lower carbon content.\u003c/p\u003e\n\n\u003cp\u003eSome industries are becoming \u0026ldquo;fuel switch\u0026rdquo; early adopters, \u003ca href=\"https://www.bp.com/en/global/corporate/energy-economics/energy-outlook/demand-by-sector/transport.html\" target=\"_blank\"\u003eparticularly transportation and the residential and commercial building sectors\u003c/a\u003e. In 2018, buildings consumed about 29 percent of global energy, while transport consumed 21 percent. Manufacturing and industrial processes are also electrifying to some degree, and electrification in these areas can make sizable differences.\u003c/p\u003e\n\n\u003cp\u003eUtilities must provide exceptional resilience, reliability, and access that offsets fossil fuel\u0026rsquo;s advantages in those areas. Simultaneously, utilities must accelerate the clean electrification of their grids to continuously widen their environmental advantage over the competing energy sources. As more organizations embrace this approach, the greener, more affordable, and resilient the grid becomes. This creates a virtuous cycle, where more electrification, increased resilience, and newly electrifying industries can meet their environmental goals more quickly.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eEnergy integrators:\u003c/strong\u003e As the number of non-utility owned and operated resources connected to the grid increases exponentially, a fundamental rethinking of the electrical system\u0026#39;s operation is required, as well as the utility\u0026#39;s role within it. We term this new role the Energy Integrator, and we\u0026rsquo;ve anticipated this need for several years.\u003c/p\u003e\n\n\u003cp\u003eAs the grid transitions to an even more complex network, with energy and grid services going both \u003cem\u003eto\u003c/em\u003e and\u003cem\u003e from\u003c/em\u003e \u003cem\u003ecustomers\u003c/em\u003e, improved technologies and solutions are needed. This is where IBM is investing to help clients move toward a sustainable, greener energy future. Over the next few months, we\u0026rsquo;ll be sharing more research and perspective on how to leverage a balanced, risk-mitigated portfolio of existing and emerging solutions. Our vision is: Electrifying Energy: Sustainably fueling the future.\u003c/p\u003e\n\n\u003cp\u003eThe utility industry is moving toward a fundamental shift in its operations in support of the global Energy Transition. The speed at which this transition occurs depends on many factors, some in the utility industry\u0026rsquo;s control, and many external.\u003c/p\u003e\n\n\u003cp\u003eCertainly, new and maturing information technologies such as AI, blockchain, 5G/edge and cloud will be important enablers for this more collaborative, fast-paced, and networked electricity system. At the same time, continued and growing delivery of clean, reliable, and resilient electricity to extended sectors of the global economy will require a \u0026ldquo;fast evolution,\u0026rdquo; \u0026mdash;not \u0026ldquo;revolution\u0026rdquo; of the industry\u0026mdash;leveraging and extending existing solutions to reliably accelerate the energy transition.\u003c/p\u003e\n\n\u003cp\u003e\u003ca href=\"https://www.ibm.com/account/reg/us-en/signup?formid=urx-43376\" target=\"_blank\"\u003e\u003cstrong\u003eSubscribe now\u003c/strong\u003e\u003c/a\u003e\u003cstrong\u003e \u003c/strong\u003efor access to data-driven research and expert analysis for utilities leaders about emerging trends and navigating dynamic environments. You can find our perspectives on new and maturing information technologies such as AI, blockchain, 5G/edge, and cloud. These digital technologies will be important enablers in a collaborative, efficient, and networked electricity system. At the same time, we\u0026rsquo;ll be supporting the growth of clean, reliable, and resilient electricity to extended sectors of the global economy.\u003c/p\u003e\n","approved":true,"image_alt":"","thumbnail_alt":"","hideRelatedBlogs":false,"createdAt":"2020-09-24T21:49:44.532Z","updatedAt":"2022-03-06T10:21:21.496Z","author":[{"id":555,"name":"Brad Gammons","email":"bgammon@us.ibm.com","twitter":"","facebook":"","linkedin":"https://www.linkedin.com/in/brad-gammons-b0185539/","featured":false,"priority":0,"title":"Global Managing Director , IBM Energy, Environment \u0026 Utility Industry ","image_alt":"Brad Gammons","place_of_employment":"","bio":"","createdAt":"2020-09-24T22:35:45.263Z","updatedAt":"2020-09-24T22:40:05.055Z","image":{"id":2072,"name":"eUCvPQ0IhfL4G2uszRD7Eh3r","alternativeText":null,"caption":null,"width":null,"height":null,"formats":null,"hash":"f00516908b444eef871b7693090c057d","ext":".jpg","mime":"image/jpeg","size":22.3,"url":"/thought-leadership/institute-business-value/uploads/en/f00516908b444eef871b7693090c057d.jpg","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2020-09-24T22:38:49.645Z","updatedAt":"2020-09-24T22:38:49.659Z"}}],"image":{"id":7283,"name":"9c0f07d5e6d84ede92e3af8207c322b7.webp","alternativeText":null,"caption":null,"width":2000,"height":500,"formats":null,"hash":"9c0f07d5e6d84ede92e3af8207c322b7_0ac4e44b14","ext":".webp","mime":"image/webp","size":175.19,"url":"/thought-leadership/institute-business-value/uploads/en/9c0f07d5e6d84ede92e3af8207c322b7_0ac4e44b14","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:21:21.085Z","updatedAt":"2022-03-06T10:21:21.454Z"},"thumbnail":{"id":6056,"name":"13f97ba625b84bb7933c23c70921dce4.webp","alternativeText":null,"caption":null,"width":728,"height":485,"formats":null,"hash":"13f97ba625b84bb7933c23c70921dce4_b682455709","ext":".webp","mime":"image/webp","size":71.13,"url":"/thought-leadership/institute-business-value/uploads/en/13f97ba625b84bb7933c23c70921dce4_b682455709","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:21:08.134Z","updatedAt":"2022-03-06T10:21:08.393Z"},"mlinks":{"id":239,"prompt":"energy-utilities-category","offer1":"We can help Energy and Utilities organizations successfully navigate digital transformation.","action1":"IBM Consulting","link1":"https://www.ibm.com/consulting","offer2":"IBM’s advanced technologies can help Energy and Utilities companies harness their data to increase efficiency and reduce expenditures.","action2":"Energy and Utilities solutions","link2":"https://www.ibm.com/industries/energy","offer3":"To transform your business into a Cognitive Enterprise, you need to reimagine your business processes. Intelligent workflows can help modernize your legacy systems and make your business run more efficiently.","action3":"Business Process Services","link3":"https://www.ibm.com/consulting/process","locale":"en-us","createdAt":"2019-10-19T06:04:38.202Z","updatedAt":"2022-08-17T01:00:37.524Z"},"assets":[]},{"id":90,"slug":"hispanic-leadership-gap","title":"Closing the Hispanic leadership gap: Why it's in everyone's best interest","subtitle":"","date":"2020-09-15T12:00:00.000Z","blurb":"Hispanics represent 18.5 percent of the US population, but just 4 percent of the executive ranks. If our economy is to thrive and innovation to grow, we need increased Hispanic representation in upper management.\r\n","content":"\u003cp\u003eLast Monday, I visited a hospital. Victor, the Uber driver, got me there safely. My nurses, Maria and Cristina, spoke Spanish to me. After I left the hospital, I met with Zaira, a prominent PhD in the field of quantum computing. Then, when I got back home, Rodrigo got me the mail.\u003c/p\u003e\r\n\r\n\u003cp\u003eI am Hispanic, so perhaps I am more likely to take note of other Hispanics and the work they do. But then again, with Hispanics representing one out of every five workers in this country, it would be hard not to take note.\u003c/p\u003e\r\n\r\n\u003cdiv class=\"ckeditor-html5-video\" data-responsive=\"true\" style=\"text-align:center\"\u003e\r\n\u003cvideo controls=\"controls\" poster=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/be0f1b4e347f42839e5315c6619ba113.jpg\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/f8c91ac11673499dad7503bb6eefcb52.mp4\" style=\"height:auto; max-width:100%\" width=\"710\"\u003e\u0026nbsp;\u003c/video\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\r\n\r\n\u003cp\u003eThis is especially true during the pandemic when, \u003ca href=\"https://www.nytimes.com/2020/05/07/us/coronavirus-latinos-disparity.html\" target=\"_blank\"\u003eas The New York Times reports\u003c/a\u003e, Hispanics and people of color disproportionately work on the frontlines, serving as EMTs and healthcare professionals, delivering food and packages, and filling other roles essential to our well-being and sanity.\u003c/p\u003e\r\n\r\n\u003cp\u003eStep back from the frontlines to the C-suites and corner offices of US businesses, however, and it\u0026rsquo;s a different story. Hispanics represent \u003ca href=\"https://www.census.gov/quickfacts/fact/table/US/PST045219\" target=\"_blank\"\u003e18.5 percent of the population\u003c/a\u003e in this country, but just \u003ca href=\"https://www.umass.edu/employmentequity/race-states-and-mixed-fate-white-men#overlay-context=diversity-reports\" target=\"_blank\"\u003e4 percent of the executive ranks\u003c/a\u003e.\u003c/p\u003e\r\n\r\n\u003cp style=\"text-align:center\"\u003e\u003cimg alt=\"Hispanics represent 18.5 percent of the US population, but only 4 percent of executive ranks.\" height=\"1575\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/e46d7a105662466e8c0aa4d33092ffa0.jpg\" width=\"2951\" /\u003e\u003c/p\u003e\r\n\r\n\u003cp\u003eThe incongruity is stranger when one considers our economic power. Annually, Latinos and Hispanics contribute USD 2.3 trillion to US GDP. To put it another way, if Hispanic GDP contribution were its own country, it would \u003ca href=\"http://latinodonorcollaborative.org/latino-gdp-report\" target=\"_blank\"\u003ebe the eighth-largest economy in the world\u003c/a\u003e, just behind that of France.\u003c/p\u003e\r\n\r\n\u003cp\u003eA vibrant economy has many layers vital to effective functioning. Victor and Rodrigo perform essential roles that make our society better, and Maria, Cristina and Zaira show the professional depth of Hispanics in our society.\u003c/p\u003e\r\n\r\n\u003cp\u003eBut if our economy is to thrive and innovation to grow, we need increased representation on the top floor, in upper management. For that to happen, we have to determine the conditions that enable such inclusion\u0026mdash;the patterns and characteristics that make success not only possible, but probable. How did the 4 percent of Hispanics who advanced to positions of leadership get there? What can we learn from their experience, and will any of that be relevant to the next generation of leaders?\u003c/p\u003e\r\n\r\n\u003cp\u003eAs part of its research into people and development, the \u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/\" target=\"_blank\"\u003eIBM Institute for Business Value\u003c/a\u003e recently surveyed Hispanics in the US to find out. The full report will be available in December 2020, but you can see some early data in \u003ca href=\"https://www.ibm.com/downloads/cas/W5BAABZO\" target=\"_blank\"\u003ethis infographic\u003c/a\u003e. One key finding is that professional advancement opportunities have played a crucial role in helping senior Hispanic executives achieve their success.\u003c/p\u003e\r\n\r\n\u003cp\u003eBut the survey also shows that younger leaders are not getting those advancement opportunities.\u003c/p\u003e\r\n\r\n\u003cul\u003e\r\n\t\u003cli\u003eOnly 30 percent of junior managers say they have access to mentorship programs or on-the-job training.\u0026nbsp;\u003c/li\u003e\r\n\t\u003cli\u003eOnly 20 percent say they are empowered to overcome their professional challenges.\u0026nbsp;\u003c/li\u003e\r\n\t\u003cli\u003eMost worrying, 67 percent say that they have to work harder to succeed because of their Hispanic identity.\u003c/li\u003e\r\n\u003c/ul\u003e\r\n\r\n\u003cp\u003eThese findings show us what success looks like. Our next step is to turn these learnings into action. When I think of my own journey, three factors helped me succeed: education, mentorship, and advocacy. At IBM, we\u0026rsquo;re taking steps to advance all three.\u003c/p\u003e\r\n\r\n\u003cul\u003e\r\n\t\u003cli\u003eThe IBM \u003ca href=\"https://www.ibm.org/initiatives/p-tech\" target=\"_blank\"\u003eP-TECH program\u003c/a\u003e is already active in 75 school districts located in predominantly Hispanic communities. Over the next two years, we plan to double this number. By 2023, we will have 150 active programs in schools that serve Hispanic students.\u003c/li\u003e\r\n\t\u003cli\u003eIn addition, IBM is kicking off the IBM Mentorship Marathon to empower Hispanics and advance their career opportunities. The Marathon will begin with P-TECH schools in the U.S. by matching 1,000 IBM mentors with the students, and encouraging other Fortune 500 companies to join the effort. This initiative will also benefit all our P-TECH students in the U.S.\u003c/li\u003e\r\n\t\u003cli\u003eI, personally, am increasing my commitment to mentoring Hispanics, advocating for their advancement to leadership positions and creating economic opportunity for Hispanic entrepreneurs.\u003c/li\u003e\r\n\u003c/ul\u003e\r\n\r\n\u003cp\u003eBut success will take all of us\u0026mdash;corporate leaders, NGOs, innovators, and average citizens\u0026mdash;working together.\u003c/p\u003e\r\n\r\n\u003cp\u003eA society in which the Hispanic community thrives is the kind of society I would like to live in over the next decade. And it\u0026rsquo;s not just because I\u0026rsquo;m Hispanic. It\u0026#39;s because investing to help the growing, youngest minority group in the US will help everyone in the country as we shape a more inclusive, more diverse, and better-performing society.\u003c/p\u003e\r\n\r\n\u003cp\u003eTo see the numbers, please \u003ca href=\"https://www.ibm.com/downloads/cas/W5BAABZO\" target=\"_blank\"\u003edownload our infographic\u003c/a\u003e.\u003c/p\u003e\r\n","approved":true,"image_alt":"Closing the Hispanic leadership gap","thumbnail_alt":"Closing the Hispanic leadership gap","hideRelatedBlogs":false,"createdAt":"2020-09-15T02:29:05.464Z","updatedAt":"2022-06-03T00:54:19.697Z","author":[{"id":107,"name":"Jesus Mantas","email":"jesus.mantas@us.ibm.com","twitter":"https://twitter.com/jmantas","facebook":"","linkedin":"https://www.linkedin.com/in/jmantas/","featured":false,"priority":0,"title":"Senior Managing Partner, IBM Consulting","image_alt":"Jesus Mantas","place_of_employment":"","bio":"","createdAt":"2018-12-01T12:32:54.496Z","updatedAt":"2023-06-22T21:44:46.857Z","image":{"id":2258,"name":"YFh-kYNfo-I3RnDHeWnRc10b","alternativeText":null,"caption":null,"width":null,"height":null,"formats":null,"hash":"3672674ae7004cf0a068e35bf5beb3d0","ext":".jpg","mime":"image/jpeg","size":7.18,"url":"/thought-leadership/institute-business-value/uploads/en/3672674ae7004cf0a068e35bf5beb3d0.jpg","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2020-10-13T02:40:05.718Z","updatedAt":"2020-10-13T02:40:05.735Z"}}],"image":{"id":7358,"name":"895a6bb4f8f64bfc9e98fb5faf2c9b87.webp","alternativeText":null,"caption":null,"width":2000,"height":500,"formats":null,"hash":"895a6bb4f8f64bfc9e98fb5faf2c9b87_d1162534c0","ext":".webp","mime":"image/webp","size":50.91,"url":"/thought-leadership/institute-business-value/uploads/en/895a6bb4f8f64bfc9e98fb5faf2c9b87_d1162534c0","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:21:20.998Z","updatedAt":"2022-03-06T10:21:21.158Z"},"thumbnail":{"id":6361,"name":"547a6e23c4054abab3da3d65b8d454fe.webp","alternativeText":null,"caption":null,"width":729,"height":359,"formats":null,"hash":"547a6e23c4054abab3da3d65b8d454fe_980f24407f","ext":".webp","mime":"image/webp","size":26.89,"url":"/thought-leadership/institute-business-value/uploads/en/547a6e23c4054abab3da3d65b8d454fe_980f24407f","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:21:05.395Z","updatedAt":"2022-03-06T10:21:05.665Z"},"mlinks":null,"assets":[]},{"id":91,"slug":"leading-businesses-covid-19-pandemic","title":"Leading businesses out of the COVID-19 pandemic","subtitle":"","date":"2020-09-14T12:00:00.000Z","blurb":"A new business normal seems to be emerging in the post-pandemic world, affecting consumer perspectives and multiple industries at once.\n","content":"\u003cp\u003eA new business normal seems to be emerging in the post-pandemic world, affecting consumer perspectives and multiple industries at once.\u003c/p\u003e\n\n\u003cp\u003eThe \u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value\" target=\"_blank\"\u003eIBM Institute for Business Value (IBV)\u003c/a\u003e has been conducting continuous research to understand all the changes ahead. I would like to share some insights taken from three of our research papers, and shed some light into:\u003c/p\u003e\n\n\u003cul\u003e\n\t\u003cli\u003e\u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/report/covid-19-trilemma\" target=\"_blank\"\u003eNew consumer perspectives\u003c/a\u003e\u003c/li\u003e\n\t\u003cli\u003e\u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/report/covid-19-action-guide\" target=\"_blank\"\u003eKey actions for business executives\u003c/a\u003e\u003c/li\u003e\n\t\u003cli\u003e\u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/report/covid-19-recovery\" target=\"_blank\"\u003eHow we break through the business decision-making impasse\u003c/a\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\n\u003cdiv class=\"ckeditor-html5-video\" data-responsive=\"true\" style=\"text-align:center\"\u003e\n\u003cvideo controls=\"controls\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/727483f6ab5645db8f352837580e567f.mp4\" style=\"height:auto; max-width:100%\"\u003e\u0026nbsp;\u003c/video\u003e\n\u003c/div\u003e\n\n\u003cp class=\"ck-normal-p ibv-ckeditor\"\u003e\u0026nbsp;\u003c/p\u003e\n\n\u003cp class=\"ck-normal-p ibv-ckeditor\"\u003e\u003cstrong\u003eConsumers are dealing with a trilemma of tradeoffs\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003e\u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/report/covid-19-consumer-survey\" target=\"_blank\"\u003eIBV has conducted regular surveys\u003c/a\u003e of more than 54,000 respondents in the United States during the great lockdown. In August, we extended the exercise to cover a global population representing more than 60 percent of the world\u0026rsquo;s reported cases and deaths.\u003c/p\u003e\n\n\u003cp\u003eWe have realized that much of the pandemic has turned into a shared experience involving \u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/report/covid-19-trilemma\" target=\"_blank\"\u003ea trilemma of concerns.\u003c/a\u003e People around the world are worried about their: (1) personal health and safety; (2) economic future and job security; and (3) individual privacy and liberty. To gain deeper insight into the tradeoffs\u0026mdash;preventing sickness, growing the economy, and protecting privacy\u0026mdash; IBV gave respondents three pair-wise comparisons and asked them to indicate which of the factors was relatively more important for leaders to consider.\u003c/p\u003e\n\n\u003cp\u003e\u003cimg alt=\"The COVID-19 trilemma\" height=\"549\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/b03f4f33424244579531b7e95c9a35ab.png\" width=\"700\" /\u003e\u003c/p\u003e\n\n\u003cp\u003eLooking at how people responded in the US when asked to make a direct tradeoff about the relative importance between low infection and death rates and a strong economy in the near-term, more than 40 percent selected health, while more than 20 percent selected the economy or privacy and personal liberty. These choices have so far remained consistent\u003c/p\u003e\n\n\u003cp\u003eOngoing concerns about the impact of the coronavirus also remain very real. When it comes to return-to-work strategies, our survey reveals a disconnect between employers and employees across most industries.\u003c/p\u003e\n\n\u003cp\u003e\u003cimg alt=\"Finding the disconnect\" height=\"493\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/f487579f312d4f208b283c00bcee878d.png\" width=\"700\" /\u003e\u003c/p\u003e\n\n\u003cp\u003eInterestingly, 79 percent of employers say they are adequately supporting the physical and emotional health of the workforce, while only 44 percent of employees say the same.\u003c/p\u003e\n\n\u003cp\u003eWhile employers received mixed reviews on how they\u0026rsquo;re handling the pandemic, there is one thing they could do that would appeal to most employees: continue to offer the option to work from home.\u003c/p\u003e\n\n\u003cp\u003ePrior to the lockdown, only 10 percent of individuals indicated they were working from home. By July 2020, that percentage had quadrupled to nearly 45 percent.\u003c/p\u003e\n\n\u003cp\u003e\u003cimg alt=\"Virtual reality\" height=\"460\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/7207698b307c4f138c3fff55e390847c.png\" width=\"700\" /\u003e\u003c/p\u003e\n\n\u003cp\u003eOf those currently working remotely, 83 percent indicate they would like to continue to work away from the office at least occasionally, while 58 percent would like this to be their primary way of working.\u003c/p\u003e\n\n\u003cp\u003eIn fact, of those individuals who are now working remotely full-time, only one in ten say they want to return to their workplace.\u003c/p\u003e\n\n\u003cp class=\"ck-normal-p ibv-ckeditor\"\u003e\u003cstrong\u003eEmerging stronger to a different normal\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eEven though each day brings more uncertainty, there are definitive actions that can improve business resilience and strength in the post-pandemic environment.\u003c/p\u003e\n\n\u003cp\u003eIBV research has revealed \u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/report/covid-19-action-guide\" target=\"_blank\"\u003ea framework that outlines a path forward\u003c/a\u003e, organized around seven key imperatives that will be useful for any organization\u0026rsquo;s executive team. Consider this guide as a checklist.\u003c/p\u003e\n\n\u003cp\u003eThe first imperative is for \u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/report/return-to-work\" target=\"_blank\"\u003etalent leaders and Chief Human Resources Officers (CHROs)\u003c/a\u003e to empower a remote workforce. Executives should consider a full revision of their strategy and policies to support remote and distributed work, with specific guidance and rules in place. Communication is key. Be aware that what leaders think they\u0026rsquo;re communicating isn\u0026rsquo;t always being perceived the way it\u0026rsquo;s intended. Our research shows that 74 percent of executives say they are currently helping their employees learn to work in new ways, yet only a third of surveyed employees said the same: that\u0026rsquo;s a 36-point gap. Clearly, feedback loops need to be built into all interactions.\u003c/p\u003e\n\n\u003cp\u003eThe second imperative is for \u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/report/cmo-action-guide\" target=\"_blank\"\u003eChief Marketing Officers (CMOs)\u003c/a\u003e to engage customers virtually. In this pandemic, service centers have been swamped with massive call volumes. Exponential demand can be met by the exponential power of digital tools. Virtual engagement with clients and partners will remain a core part of doing business, even as we reestablish face-to-face interactions.\u003c/p\u003e\n\n\u003cp\u003eThe third imperative is for \u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/report/cio-guide-challenges\" target=\"_blank\"\u003eChief Technology Officers (CTOs) and Chief Information Officers (CIOs)\u003c/a\u003e to provide remote access to everything. When shelter-in-place orders were issued, uncomfortable questions arose for many businesses, such as how to transition overnight from existing models to virtual ones. Fortunately, as a tech-at-its-core business, IBM was already configured to operate in this way. But for many organizations, the question has been, \u0026ldquo;can-we-do-this?\u0026rdquo; CTOs and CIOs need detailed business continuity plans that make the most of digital technologies to create operational resilience and flexibility.\u003c/p\u003e\n\n\u003cp\u003eThe fourth imperative is for Chief Operations Officers (COOs) to accelerate agility and efficiency. The solution lies in the immense benefits of cloud-native capabilities. Organizations embracing public and hybrid cloud are already using this crisis as an opportunity to emerge stronger, better, and more resilient.\u003c/p\u003e\n\n\u003cp\u003eThe fifth imperative is for Chief Information Security Officers (CISOs) to protect against new cybersecurity risks. As more workloads and users move to cloud operations, accelerated by the current work-from-home requirements, cybersecurity resilience will evolve from a baseline performance requirement into a driver of a competitive advantage. What began as extraordinary will become systemic.\u003c/p\u003e\n\n\u003cp\u003eThe sixth imperative is for Chief Financial Officers (CFOs) and \u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/report/covid-19-supply-chains\" target=\"_blank\"\u003eChief Supply Chain Officers (CSCOs)\u003c/a\u003e to reduce operational costs and enhance supply chain continuity. The ability to generate granular, real-time data about supply chains has gone from nice-to-have to necessity. Volatility has become hyperlocal, with excess inventory in one city and dire need in another.\u003c/p\u003e\n\n\u003cp\u003eThe seventh imperative is for Chief Medical Officers and public sector leaders support health providers and government services. It\u0026rsquo;s become critical to expand the use of human-centered technology interfaces, to help those racing to find the right treatments, vaccines, and cures, as well as to help manage physical, mental, and economic health. Developing a sophisticated strategy that combines the strengths of humans and machines will also be central in preparing for the effective re-integration of newly remote teams across these areas and industries\u0026mdash;and across the economy and society, as well.\u003c/p\u003e\n\n\u003cp class=\"ck-normal-p ibv-ckeditor\"\u003e\u003cstrong\u003eOrganizations can invest now to expedite COVID-19 recovery\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eSo then, how should companies \u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/report/covid-19-recovery\" target=\"_blank\"\u003efinance these actions now to expedite post-pandemic recovery\u003c/a\u003e?\u003c/p\u003e\n\n\u003cp\u003eThe pandemic has thrown organizations into crisis mode, with respondents reporting all business capabilities growing in importance. Asked about the most pressing of those priorities, C-suite executives ranked \u0026ldquo;workforce safety and security\u0026rdquo; number one, closely followed by crisis management. But right after that came familiar concerns: cost management and cash flow management.\u003c/p\u003e\n\n\u003cp\u003e\u003cimg alt=\"Executives' top business priorities\" height=\"510\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/efb992e56ba04a13ab8ee1e7d8a80df3.png\" width=\"700\" /\u003e\u003c/p\u003e\n\n\u003cp\u003eA central theme in the search for cost efficiency is the question of investment and ownership, or capital expenditure (CapEx) versus operating expenditure (OpEx). A valuable business approach would be to Invest the right way: CapEx with a technology twist.\u003c/p\u003e\n\n\u003cp class=\"ck-normal-p ibv-ckeditor\"\u003e\u003cimg alt=\"A shifting paradigm\" height=\"422\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/8a11ef6e6090405aab5f9a081e5520f3.png\" width=\"700\" /\u003eIn the course of the crisis, executives have come to realize an aspect of ownership that has been under-appreciated for a long time: it increases independence and buffers against outside shocks. Consequently, in a reversal of the OpEx shift paradigm, executives state they plan to increase CapEx and decrease OpEx, with Cloud and AI at the top of their priority list.\u003c/p\u003e\n\n\u003cp class=\"ck-normal-p ibv-ckeditor\"\u003e\u003cstrong\u003eThe principle of the Honorable Merchant\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eTo conclude, as the world faces a new normal, we\u0026rsquo;re seeing a fundamental shift that corresponds to the principle of the \u003ca href=\"http://www.ihk-nuernberg.de/de/media/PDF/Publikationen/Hauptgeschaeftsfuehrung/broschuere-the-honorable-merchant-.pdf\" target=\"_blank\"\u003eHonorable Merchant\u003c/a\u003e. What is it? It\u0026rsquo;s a historically rooted model of operating a business in Europe. The principle prizes prudent accounting and operating, and responsibility toward the enterprise and all of its stakeholders, including society and the environment. \u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/report/covid-19-recovery\" target=\"_blank\"\u003eIBV survey data\u003c/a\u003e shows that the ideals of the Honorable Merchant are returning to executive thinking: an unexpected positive outcome of this crisis.\u003c/p\u003e\n","approved":true,"image_alt":"Leading businesses out of the COVID-19 pandemic","thumbnail_alt":"","hideRelatedBlogs":false,"createdAt":"2020-09-15T00:48:41.342Z","updatedAt":"2022-06-03T00:56:07.889Z","author":[{"id":241,"name":"Paolo Sironi","email":"paolo.sironi@de.ibm.com","twitter":"","facebook":"","linkedin":"http://linkedin.com/in/thepsironi","featured":false,"priority":0,"title":"Global Research Leader, Banking and Financial Markets, IBM Institute for Business Value","image_alt":"Paolo Sironi","place_of_employment":"","bio":"","createdAt":"2018-12-15T01:58:39.655Z","updatedAt":"2024-11-12T17:59:31.246Z","image":{"id":11950,"name":"1662393887804.jpg","alternativeText":null,"caption":null,"width":800,"height":800,"formats":{"small":{"ext":".jpg","url":"/thought-leadership/institute-business-value/uploads/en/small_1662393887804_4118dcb3f6.jpg","hash":"small_1662393887804_4118dcb3f6","mime":"image/jpeg","name":"small_1662393887804.jpg","path":null,"size":35.71,"width":500,"height":500,"sizeInBytes":35709},"medium":{"ext":".jpg","url":"/thought-leadership/institute-business-value/uploads/en/medium_1662393887804_4118dcb3f6.jpg","hash":"medium_1662393887804_4118dcb3f6","mime":"image/jpeg","name":"medium_1662393887804.jpg","path":null,"size":71.38,"width":750,"height":750,"sizeInBytes":71376},"thumbnail":{"ext":".jpg","url":"/thought-leadership/institute-business-value/uploads/en/thumbnail_1662393887804_4118dcb3f6.jpg","hash":"thumbnail_1662393887804_4118dcb3f6","mime":"image/jpeg","name":"thumbnail_1662393887804.jpg","path":null,"size":5.6,"width":156,"height":156,"sizeInBytes":5595}},"hash":"1662393887804_4118dcb3f6","ext":".jpg","mime":"image/jpeg","size":82.24,"url":"/thought-leadership/institute-business-value/uploads/en/1662393887804_4118dcb3f6.jpg","previewUrl":null,"provider":"strapi-provider-upload-ibv-cos","provider_metadata":null,"createdAt":"2024-11-12T17:59:08.953Z","updatedAt":"2024-11-12T17:59:08.953Z"}}],"image":{"id":7210,"name":"0be4da32341c4904b5fad359c914ea77.webp","alternativeText":null,"caption":null,"width":2000,"height":500,"formats":null,"hash":"0be4da32341c4904b5fad359c914ea77_8c6eaecca6","ext":".webp","mime":"image/webp","size":29.92,"url":"/thought-leadership/institute-business-value/uploads/en/0be4da32341c4904b5fad359c914ea77_8c6eaecca6","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:21:14.791Z","updatedAt":"2022-03-06T10:21:15.036Z"},"thumbnail":{"id":6725,"name":"0c3247e88bad4a53a236b906f2d08b72.webp","alternativeText":null,"caption":null,"width":729,"height":359,"formats":null,"hash":"0c3247e88bad4a53a236b906f2d08b72_df4ca24cca","ext":".webp","mime":"image/webp","size":18.29,"url":"/thought-leadership/institute-business-value/uploads/en/0c3247e88bad4a53a236b906f2d08b72_df4ca24cca","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:21:00.864Z","updatedAt":"2022-03-06T10:21:00.916Z"},"mlinks":{"id":75,"prompt":"covid-19-category","offer1":"In a global crisis, the right solutions can help you navigate uncertainty, adapt to changing conditions and become more resilient.","action1":"Business solutions for COVID-19 disruption","link1":"https://www.ibm.com/impact/covid-19/business-solutions","offer2":"Work safe, work smart, and guard the health, safety and productivity of your people in a changing workplace.","action2":"Watson Works","link2":"https://www.ibm.com/watson/watson-works","offer3":"Get the latest IBM insights, updates and offerings, 24/7.","action3":"IBM response to COVID-19","link3":"https://www.ibm.com/thought-leadership/covid19","locale":"en-us","createdAt":"2020-03-23T14:09:07.432Z","updatedAt":"2022-09-07T21:29:34.173Z"},"assets":[]},{"id":62,"slug":"covid-19-government-response","title":"Phase III: The essential role of government in response to COVID-19","subtitle":"","date":"2020-09-08T12:00:00.000Z","blurb":"Leaders across the public sector must make the most of what they have, rethink the way they work, and find opportunities for efficiencies.\n","content":"\u003cp\u003eAugust 31, 2020 marked the official six-month mark since we went into COVID-19 lockdown in my home state of Connecticut. Around that time, I published the first in a series of\u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/blog/covid-19-government-rebuild-recover\" target=\"_blank\"\u003e blogs\u003c/a\u003e that sought to break down government response efforts into logical and digestible phases to help leaders organize their approach. The Phase I immediate response was all about emergency management and business continuity. This phase started with providing advanced analytics to track the virus and predict where it was going next. In collaboration with our government partners, IBM helped launch the \u003ca href=\"https://covid19-hpc-consortium.org/\" target=\"_blank\"\u003eCOVID-19 High Performance Computing Consortium\u003c/a\u003e to help researchers everywhere better understand COVID-19 treatments and potential cures. This initial research has produced new insights into how the virus \u003ca href=\"https://elemental.medium.com/a-supercomputer-analyzed-covid-19-and-an-interesting-new-theory-has-emerged-31cb8eba9d63\" target=\"_blank\"\u003eworks\u003c/a\u003e.\u003c/p\u003e\n\n\u003cp\u003eWorking alongside government leaders, we helped them move to models enabling case workers to provide critical services from home. We armed governments with tools to engage citizens directly, and virtual assistants to reduce the burden on contact centers. We supported remote learning. We helped keep the lights on, and even improve services in this uncertain and challenging environment.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eIncreased demand for protective measures\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eAs spring turned to summer, many regions moved to Phase II with loosened restrictions, resulting in an increased demand for and focus on deploying protective measures (for example, contact tracing, return-to-workplace and exposure notification efforts) aimed at mitigating the spread of the virus while also enabling economies ravaged by the pandemic to reopen and begin to recover. IBM has been in the middle of these initiatives with tools and local resources to support our government partners.\u003c/p\u003e\n\n\u003cp\u003eLooking back at \u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/blog/covid-19-government-rebuild-recover\" target=\"_blank\"\u003ewhat I wrote earlier this year\u003c/a\u003e, however, I\u0026rsquo;m struck by how hopelessly na\u0026iuml;ve I was. Like many, I thought the path from response through recovery would be linear\u0026mdash;one phase would lead to the next, and we would soon return to some semblance of normalcy. But we soon learned the path to recovery would be neither linear nor consistent across countries and regions.\u003c/p\u003e\n\n\u003cp\u003eWhile many regions have been largely successful in containing the virus and reopening their economies, others (including the \u003ca href=\"https://coronavirus.jhu.edu/map.html\" target=\"_blank\"\u003eUS, Brazil, India, Mexico\u003c/a\u003e) remain in a reactive position as the virus continues to spread. Today, countries across the world vary in their phases of recovery. Some are responding to a resurgence of the virus by moving back toward an emergency response and tightening restrictions, while others are moving toward a new \u0026ldquo;normal.\u0026rdquo;\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eImportance of trust\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eA central theme has emerged in many of our conversations with government leaders from around the world during these unprecedented times. Namely, restoring and rebuilding the trust and confidence of citizens as an increasingly critical driver for government effectiveness. According to \u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/report/covid-19-consumer-survey\" target=\"_blank\"\u003eIBV consumer research\u003c/a\u003e, globally, less than 60 percent of citizens we surveyed believe the response actions taken by governments in response to the pandemic have been appropriate. And people are scared.\u003c/p\u003e\n\n\u003cp\u003eTwo-thirds fear that lifting restrictions will result in another outbreak in their community, and nearly three out of four people are concerned about another wave of the virus hitting during the upcoming winter. Trust is an increasingly important issue that governments must face head on.\u003c/p\u003e\n\n\u003cp\u003eAccording to unpublished research from the IBV, in the US (which by many measures has seen the most widespread impact from the global pandemic) less than 40 percent of respondents trust public health officials and only 17 percent trust elected national leaders. And only slightly more than one in five people trust local and regional and elected leaders.\u003c/p\u003e\n\n\u003cp\u003eLeaders struggle to answer the question: What can we do to restore citizens\u0026rsquo; confidence in our societal institutions broadly, whether that be in our retail supply chains, our healthcare systems, or our scientists? Perhaps more significantly, what must we do to restore trust and faith in our government systems and institutions\u0026mdash;to protect and serve the public, to maintain the very stability of our society?\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eContinual reinvention and transformation in government\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eWhat has become clear is that we need to work together to transform how government operates. The pandemic and its health and economic impacts, have challenged and exposed rigid governance processes, and the seams and limitations in core government services. While industry has been working with governments on transformation and reinvention initiatives for decades, the simple truth is that transformation is no longer optional, or an extracurricular focus. It\u0026rsquo;s quickly becoming THE focus. And it\u0026rsquo;s not just governments. Leaders across industries say digital transformation is even more of a priority today (see Figure 1). We must re-imagine the business of government, and we must adapt fast.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eFigure 1: Executives who assign high or very high priority to digital transformation\u003c/strong\u003e (Source: \u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/report/covid-19-recovery\" target=\"_blank\"\u003eIBM Institute for Business Value\u003c/a\u003e.)\u003c/p\u003e\n\n\u003cp\u003e\u003cimg alt=\"Executive who assign high or very high priority to digital transformation\" height=\"265\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/527f9922f76c499f804535e1d77a32bd.png\" width=\"710\" /\u003e\u003c/p\u003e\n\n\u003cp\u003eLeaders across the public sector must make the most of what they have, rethink the way they work, and find opportunities for efficiencies. And leaders must achieve this within an environment where processes can be difficult to change. What\u0026rsquo;s more, technology solutions are often not designed to work together, and security and privacy have been thought of after the fact, rather than as core elements to government solutions.\u003c/p\u003e\n\n\u003cp\u003eAt the same time, many citizen services are supported by antiquated applications and infrastructure with increasing cost of maintenance, weakening security, and decreasing reliability. No agency will \u0026ldquo;serve citizens better\u0026rdquo; by maintaining the \u003cem\u003estatus quo\u003c/em\u003e. Effective agency and ministry leaders understand that engaging their constituents successfully is a function of resiliency, agility, data protection, and scale. This means adapting technologies that consumers experience elsewhere to work for government to deliver the secure transformation many know has been delayed for too long.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eTechnology solutions are key\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eIn an environment of growing demands and limited resources, technology solutions can play a significant role in addressing today\u0026rsquo;s challenges while embracing opportunities for the future to enable\u0026mdash;and realize\u0026mdash;a new normal for governmental agencies and healthcare organizations. All this will allow them to be more agile, resilient, secure, and responsive to future threats.\u003c/p\u003e\n\n\u003cp\u003eGovernment leaders should focus on increasing engagement and improving access to services. Citizens today are more connected and empowered, with expectations of efficiency and transparency in their interactions with government agencies\u0026mdash;just as they expect from their banks or retailers.\u003c/p\u003e\n\n\u003cp\u003eAccess to new and unprecedented amounts of data is creating opportunity for deeper insights, more personalized service and ultimately more proactive care. Artificial intelligence (AI), data and cognitive systems can support a transition to personal-centered care across the continuum, empowering care providers, social services agencies, and families and citizens.\u003c/p\u003e\n\n\u003cp\u003eThe State of California and \u003ca href=\"https://www.ibm.com/industries/government/case-studies/sonoma-county-and-ibm-working-together-to-change-lives\" target=\"_blank\"\u003eSonoma County\u003c/a\u003e, for example, are moving to help at-risk families, children in need, and the homeless. By pulling data from multiple departmental sources, breaking down department silos, using AI to identify patterns of risk, and then prioritizing collective efforts, they can support individuals with greater levels of personalization and care. Similar efforts are being deployed in \u003ca href=\"https://www.ibm.com/events/think/watch/replay/126556293/\" target=\"_blank\"\u003eOrange County\u003c/a\u003e, California and for the State of \u003ca href=\"https://www.ibm.com/blogs/industries/louisiana-hepatitis-c/\" target=\"_blank\"\u003eLouisiana\u0026rsquo;s Department of Health\u003c/a\u003e.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eUnlock the value of data\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eGovernment leaders should unlock the value of their data and put it to work. The mission for recovery and resiliency\u0026mdash;and to save people\u0026rsquo;s lives and livelihoods\u0026mdash;begins with a modern and swift approach to deliver benefits, care, and cures. Organizational data that\u0026rsquo;s been secured, aggregated and analyzed generates meaningful insights that can lead to actionable results to improve care and services.\u003c/p\u003e\n\n\u003cp\u003eIn a world where data is exponentially expanding, governments need the tools that will help securely store, collect and organize data, facilitate interoperability, and help you break down data silos across the enterprise.\u003c/p\u003e\n\n\u003cp\u003eGovernment leaders need to reimagine the business of government, digitally transform operations and modernize core systems. Government leaders live in a world where legacy systems, inefficient processes and siloed systems make it hard to pivot and respond in a crisis. Leaders need to react more quickly, deliver at lower costs, and improve the quality of services. They need capable, nimble systems and processes with sound structural resiliency and a modern approach to workflows, data, and security. Examples of how governments are successfully transforming include:\u003c/p\u003e\n\n\u003cul\u003e\n\t\u003cli\u003e\u003ca href=\"https://www.ibm.com/case-studies/nhs-digital-security-services\" target=\"_blank\"\u003eThe National Health Services\u003c/a\u003e in the UK moved to enhance security services and support. This enabled them to predictably and precisely block would-be threats, and boost cybersecurity preparedness and resilience for the sake of patient care.\u003c/li\u003e\n\t\u003cli\u003eThe \u003ca href=\"https://www.ibm.com/case-studies/b025674t19569b75\" target=\"_blank\"\u003eNew York Department of Social Services\u003c/a\u003e launched an online portal that allows clients to access services more readily and conveniently, improving the process of applying for supplemental food assistance.\u003c/li\u003e\n\t\u003cli\u003e\u003ca href=\"https://www.ibm.com/blogs/think/2019/08/bringing-blockchain-to-healthcare-for-a-new-view-on-data/\" target=\"_blank\"\u003eCanada\u0026rsquo;s University Health Network (UHN)\u003c/a\u003e leveraged blockchain to create a new model for managing consent.\u003c/li\u003e\n\u003c/ul\u003e\n\n\u003cp\u003eGovernments, including the US Federal Government, are working to protect sensitive citizen and operational data, prevent advanced threats, combat fraud, and safeguard cloud and mobile access across the multiple devices that citizens and businesses use for services. In fact, the \u003ca href=\"https://au.newsroom.ibm.com/2018-07-05-Australian-Federal-Government-signs-a-1B-five-year-agreement-with-IBM\" target=\"_blank\"\u003eAustralian Federal\u003c/a\u003e Government is doing that, and more.\u003c/p\u003e\n\n\u003cp\u003eIt\u0026rsquo;s been a tough six months, but we at IBM have been proud and honored to work with government leaders around the world, not only in the initial emergency response and recovery phases of the pandemic, but also what lies beyond. Many leaders are now moving to reimagine government, and are emerging smarter, more flexible, and more resilient.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eEmerging stronger, more resilient\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eWe, as nations and citizens, have a long way to go, and there\u0026rsquo;s a lot of hard work ahead of us. But I remain optimistic. We\u0026rsquo;ve been here before. We have survived great turmoil. In just two decades, we have endured a global pandemic, a collapse of our global financial system, and too many global conflicts and tragedies to keep count. And each time we have emerged stronger and more resilient.\u003c/p\u003e\n\n\u003cp\u003eToday we\u0026rsquo;re armed with new and powerful technological capabilities that allow us to innovate in ways previously unimaginable. We have AI to support new intelligent workflows, flexible hybrid cloud architectures that will enable agility and business process orchestration, and tools to more securely engage the citizenry while protecting privacy. Each of these new capabilities are transformational in their own right. When we bring them together, an entirely new way of protecting and serving the citizenry is possible. The only failures are those of vision and courage. We are limited only by our imagination.\u003c/p\u003e\n\n\u003cp\u003eLet\u0026rsquo;s get to it.\u003c/p\u003e\n","approved":true,"image_alt":"Phase III: The essential role of government in response to COVID-19","thumbnail_alt":"Phase III: The essential role of government in response to COVID-19","hideRelatedBlogs":false,"createdAt":"2020-09-08T19:34:42.451Z","updatedAt":"2022-03-06T10:21:21.532Z","author":[{"id":866,"name":"Timothy Paydos","email":"tpaydos@us.ibm.com","twitter":"https://twitter.com/timpaydos","facebook":"","linkedin":"https://www.linkedin.com/in/tim-paydos-857197/","featured":false,"priority":0,"title":"Vice President and General Manager, Government Industry Global Sales, IBM","image_alt":"Tim Paydos","place_of_employment":"","bio":"","createdAt":"2020-11-27T10:37:07.256Z","updatedAt":"2023-07-06T10:40:36.782Z","image":{"id":7738,"name":"paydos-hs.jpg","alternativeText":null,"caption":null,"width":508,"height":508,"formats":null,"hash":"paydos_hs_de88bb2e89","ext":".jpg","mime":"image/jpeg","size":22.39,"url":"/thought-leadership/institute-business-value/uploads/en/paydos_hs_de88bb2e89","previewUrl":null,"provider":"ibv-cos","provider_metadata":null,"createdAt":"2022-07-12T03:38:31.326Z","updatedAt":"2022-07-12T03:38:31.470Z"}}],"image":{"id":7142,"name":"a7380d7c5bc44261bae889bdf4e2c3f3.webp","alternativeText":null,"caption":null,"width":2000,"height":500,"formats":null,"hash":"a7380d7c5bc44261bae889bdf4e2c3f3_f37fb8729d","ext":".webp","mime":"image/webp","size":78.14,"url":"/thought-leadership/institute-business-value/uploads/en/a7380d7c5bc44261bae889bdf4e2c3f3_f37fb8729d","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:21:21.276Z","updatedAt":"2022-03-06T10:21:21.473Z"},"thumbnail":{"id":6984,"name":"ccb4ada6d9da4c3aa93328b3a4887118.webp","alternativeText":null,"caption":null,"width":729,"height":359,"formats":null,"hash":"ccb4ada6d9da4c3aa93328b3a4887118_de29b9ff7f","ext":".webp","mime":"image/webp","size":35.29,"url":"/thought-leadership/institute-business-value/uploads/en/ccb4ada6d9da4c3aa93328b3a4887118_de29b9ff7f","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:21:09.750Z","updatedAt":"2022-03-06T10:21:10.006Z"},"mlinks":{"id":75,"prompt":"covid-19-category","offer1":"In a global crisis, the right solutions can help you navigate uncertainty, adapt to changing conditions and become more resilient.","action1":"Business solutions for COVID-19 disruption","link1":"https://www.ibm.com/impact/covid-19/business-solutions","offer2":"Work safe, work smart, and guard the health, safety and productivity of your people in a changing workplace.","action2":"Watson Works","link2":"https://www.ibm.com/watson/watson-works","offer3":"Get the latest IBM insights, updates and offerings, 24/7.","action3":"IBM response to COVID-19","link3":"https://www.ibm.com/thought-leadership/covid19","locale":"en-us","createdAt":"2020-03-23T14:09:07.432Z","updatedAt":"2022-09-07T21:29:34.173Z"},"assets":[]},{"id":49,"slug":"dynamic-delivery","title":"Accelerate your Digital Reinvention with a resilient, Dynamic Delivery model for a rapidly changing world","subtitle":"COVID-19 disruption has provided a unique opportunity for many companies to accelerate their journey to Cognitive Enterprise and hybrid multicloud.","date":"2020-07-31T12:00:00.000Z","blurb":"As organizations adjust to the new normal, the need for accelerating Digital Reinvention® and cloud adoption has become a crucial lever for growth. \n","content":"\u003cp\u003eAs the impact of COVID-19 reverberated throughout the world, transformation journeys were disrupted, and organizations reacted by moving their employees to shelter-at-home while continuing critical business operations. They also updated workplace policies, deployed virtual employee engagement processes and quickly embraced collaboration platforms to effectively execute work virtually. In this evolving world, the physical barriers of an office have been removed with the shift to distributed, self-empowered teams in a virtually equidistant world.\u003c/p\u003e\n\n\u003cp\u003eHowever, as organizations adjust to the new normal, the need for accelerating Digital Reinvention\u0026reg; and cloud adoption has become a crucial lever for growth.\u0026nbsp;\u003c/p\u003e\n\n\u003cp\u003eOur perspective on Digital Reinvention envisions a \u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/report/build-cognitive-enterprise\"\u003eCognitive Enterprise\u0026trade;\u003c/a\u003e powered by intelligent workflows, underpinned by hybrid multicloud. However, navigating the journey in the uncharted waters of remote, contactless work requires a resilient delivery model designed for both virtual and physical work patterns.\u003c/p\u003e\n\n\u003cp\u003eWe have evolved and strengthened our services delivery model to help our clients address the new requirements and continue to drive sustained value. We call this holistic model \u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/report/service-delivery\"\u003e\u0026ldquo;Dynamic Delivery.\u0026rdquo;\u003c/a\u003e It integrates technical foundations and humans in the network with virtualized methods, enhanced with AI and automation, to support rapid adaptation to changing business conditions. As the report says, it goes beyond just virtual collaboration or automating select processes. It represents the next generation of service delivery necessary to help businesses realize value in the new normal.\u0026nbsp;\u003c/p\u003e\n\n\u003cp\u003eAccording to \u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/report/service-delivery\"\u003eour recently released report\u003c/a\u003e on the new delivery model: \u0026ldquo;Fundamental to Dynamic Delivery is the focus on motivating and empowering employees, inspirational virtual leadership, flexible and available expertise, and interconnected digital knowledge platforms and processes.\u0026rdquo; Companies that deploy Dynamic Delivery can improve timeline confidence, orchestrate and optimize talent, reduce costs, and continue to accelerate their digital transformation journey to become Cognitive Enterprises.\u003c/p\u003e\n\n\u003cp\u003eDynamic Delivery comprises three key components, each with three key groups of capabilities (see figure below):\u003c/p\u003e\n\n\u003col\u003e\n\t\u003cli\u003eDelivery foundation: Fulfils the technical requirements necessary for a flexible service delivery model.\u003c/li\u003e\n\t\u003cli\u003eHumans in the network: Provides the roadmap for building and managing virtual teams, developing and deploying new engagement methods, enhancing leadership models and enabling cloud-based knowledge management.\u003c/li\u003e\n\t\u003cli\u003eContactless delivery: Uses the necessary methods and tools framework enabled by extreme automation and seamless virtual collaboration.\u003c/li\u003e\n\u003c/ol\u003e\n\n\u003cp\u003eThese components and capabilities are based on insights we gained from virtualizing our own operations across the globe and successfully delivering multiple client engagements since the onset of the pandemic.\u003c/p\u003e\n\n\u003cp\u003e\u003cimg alt=\"Reimagining service delivery\" height=\"300\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/7557434b819443879056ea6e29c845eb.jpg\" width=\"740\" /\u003e\u003c/p\u003e\n\n\u003cp style=\"margin-right:-22px\"\u003eWhile we continue to support our clients during the pandemic, the phrase \u0026ldquo;we won\u0026rsquo;t be unprepared again\u0026rdquo; echoes repeatedly. Whether you try to do it on your own, or engage with experienced service providers, there are some actions you can take to be better prepared for the future.\u003c/p\u003e\n\n\u003cp style=\"margin-right:-22px\"\u003eTo get started, we recommend initiating the following actions on each of the nine components shown in the figure above:\u003c/p\u003e\n\n\u003cul\u003e\n\t\u003cli\u003ePerform a gap assessment. Examine your work practices to determine which are best suited to virtual delivery and which require co-location. This gap assessment should serve as a starting point in your delivery transformation.\u003c/li\u003e\n\t\u003cli\u003eDevelop standards. Review your infrastructure\u0026mdash;including your network, tools, IT support, and virtual office configurations\u0026mdash;to enable virtual working.\u003c/li\u003e\n\t\u003cli\u003eRedesign, build a roadmap and deploy. Establish polices, processes, tools, enablement, and governance across the nine components.\u003c/li\u003e\n\t\u003cli\u003eCreate strong governance and measurement systems. Install digital dashboards, enabled by a platform to foster transparency and collaboration. This is critical to pervasive adoption and buy-in of the Dynamic Delivery model in your organization.\u003c/li\u003e\n\u003c/ul\u003e\n\n\u003cp style=\"margin-right:-22px\"\u003eAs you consider transforming delivery in your organization, we encourage you to address the following questions:\u003c/p\u003e\n\n\u003cul\u003e\n\t\u003cli\u003eAre you establishing new capabilities for remote interaction and engagement with your customers and vendors?\u003c/li\u003e\n\t\u003cli\u003eAre your infrastructure, policies, and IT support processes enabled for scalable and compliant delivery from offices and non-traditional locations?\u003c/li\u003e\n\t\u003cli\u003eDo you have a delivery platform for seamless operations across locations, and is your platform scalable and interoperable for deployment across partners?\u003c/li\u003e\n\t\u003cli\u003eAre your security practices adequate and embedded in the new ways of working?\u003c/li\u003e\n\t\u003cli\u003eAre your processes for employee acquisition, onboarding, development, assessment and engagement reimagined with a mix of virtual and in-person?\u003c/li\u003e\n\t\u003cli\u003eHow are you executing capacity management and deployment processes for virtual delivery?\u003c/li\u003e\n\t\u003cli\u003eHave you institutionalized your knowledge management tools and processes to enable seamless virtual delivery?\u003c/li\u003e\n\t\u003cli\u003eAre your work practices and methods automated and enabled for virtual delivery in case of disruption?\u003c/li\u003e\n\t\u003cli\u003eTo what extent is your process for contracting with partners and vendors digitized and are your vendor management processes virtualized?\u003c/li\u003e\n\t\u003cli\u003eHow have you enabled your governance for virtual execution, for example, a digital dashboard?\u003c/li\u003e\n\u003c/ul\u003e\n\n\u003cp style=\"margin-left:24px; margin-right:-22px\"\u003eTo learn more, read \u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/report/service-delivery\"\u003eour new report on Dynamic Delivery\u003c/a\u003e.\u003c/p\u003e\n","approved":true,"image_alt":"Accelerate your Digital Reinvention with a resilient, Dynamic Delivery model for a rapidly changing world","thumbnail_alt":"Accelerate your Digital Reinvention with a resilient, Dynamic Delivery model for a rapidly changing world","hideRelatedBlogs":false,"createdAt":"2020-07-02T03:00:01.183Z","updatedAt":"2022-03-06T10:21:21.331Z","author":[{"id":595,"name":"Sreejit Roy","email":"sreejit.roy@in.ibm.com","twitter":"","facebook":"","linkedin":"http://www.linkedin.com/in/sreejit-roy/","featured":false,"priority":0,"title":"Global Application Modernization and Development Leader, Cloud Application Services, IBM Consulting","image_alt":"Sreejit Roy","place_of_employment":"","bio":"","createdAt":"2020-06-30T23:50:28.147Z","updatedAt":"2023-03-29T11:01:00.375Z","image":{"id":1573,"name":"0MtxmimTxOnntDhqbN8hs0yj","alternativeText":null,"caption":null,"width":null,"height":null,"formats":null,"hash":"a5cdf66b783f47aab58ededbbcf30c8d","ext":".jpg","mime":"image/jpeg","size":8.96,"url":"/thought-leadership/institute-business-value/uploads/en/a5cdf66b783f47aab58ededbbcf30c8d.jpg","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2020-07-02T03:19:16.651Z","updatedAt":"2020-07-02T03:19:16.665Z"}}],"image":{"id":7486,"name":"0e699dc2d6fe4ac2b6ac71b5f9ba25b4.webp","alternativeText":null,"caption":null,"width":2000,"height":500,"formats":null,"hash":"0e699dc2d6fe4ac2b6ac71b5f9ba25b4_18b49fc555","ext":".webp","mime":"image/webp","size":84.53,"url":"/thought-leadership/institute-business-value/uploads/en/0e699dc2d6fe4ac2b6ac71b5f9ba25b4_18b49fc555","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:21:21.008Z","updatedAt":"2022-03-06T10:21:21.278Z"},"thumbnail":{"id":6988,"name":"7de455e52ff1487db7d24600e1b04490.webp","alternativeText":null,"caption":null,"width":729,"height":359,"formats":null,"hash":"7de455e52ff1487db7d24600e1b04490_bbd943c528","ext":".webp","mime":"image/webp","size":52.45,"url":"/thought-leadership/institute-business-value/uploads/en/7de455e52ff1487db7d24600e1b04490_bbd943c528","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:21:08.137Z","updatedAt":"2022-03-06T10:21:08.425Z"},"mlinks":{"id":218,"prompt":"service-delivery","offer1":"Your trusted partner for business and technology challenges, including business continuity, remote workforces, virtual client engagement and more.","action1":"IBM Consulting","link1":"https://www.ibm.com/consulting","offer2":"Capture the true value of cloud and AI for your business.","action2":"IBM Cloud","link2":"https://www.ibm.com/cloud","offer3":"We help you act on insights closer to the source of data to optimize business operations in real time.","action3":"Edge Consulting Services","link3":"https://www.ibm.com/consulting/process/edge-services","locale":"en-us","createdAt":"2020-06-30T23:58:28.387Z","updatedAt":"2022-08-23T23:24:43.484Z"},"assets":[]},{"id":47,"slug":"covid-19-engineering-construction-operations","title":"COVID-19 accelerates new ways of working in the Engineering, Construction, and Operations industry","subtitle":"","date":"2020-05-27T12:00:00.000Z","blurb":"In the long term, to thrive post-pandemic, EC\u0026O enterprises will have to align with next generation business models by leveraging new technologies and exploiting their core strengths.\n","content":"\u003cp\u003eCOVID-19 is making people rethink where to live, how to commute, how to work, how to design, how to construct, how to source, how to operate, and how to maintain. Companies in the Engineering, Construction, and Operations (EC\u0026amp;O)\u003cstrong\u003e \u003c/strong\u003eindustry are facing this rapidly changing reality, and those who can execute fast, innovative, and flexible responses, supported by digital technologies, will be better positioned to weather the changes and thrive.\u0026nbsp;\u003c/p\u003e\n\n\u003cp\u003ePrior to COVID-19, big cities were already seeing their populations dip, and the pandemic could accelerate this trend as people consider relocating to less densely populated areas. Innovation will be key and will create a new wave of smart city upgrades. According to the \u003ca href=\"https://www.arcadis.com/en/global/our-perspectives/international-construction-costs-2020/\"\u003eArcadis 2020 ICC Index\u003c/a\u003e report for 100 of the world\u0026rsquo;s cities, \u0026ldquo;The impact of COVID-19 on public health is bringing a new understanding and awareness of the need to make our assets, cities, and communities more resilient.\u0026rdquo;\u003c/p\u003e\n\n\u003cp\u003eCities are reimagining their transportation concept and considering smart infrastructure upgrades. As we\u0026rsquo;ve seen already happening in Europe, some cities are making less room for cars post COVID-19. For example, the city of \u003ca href=\"https://www.weforum.org/agenda/2020/04/milan-covid-19-coronavirus-lockdown-reducing-car-use/\"\u003eMilan\u003c/a\u003e has been a leader with the intent to transform streets by adding biking lanes, introducing new speed limits, and creating wider pavements\u003cstrong\u003e. \u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eReal estate and other asset owners are asking themselves if their assets are still fit for purpose post-COVID-19. New developments will need to be \u0026ldquo;circular by design\u0026rdquo; to re-purpose and re-use assets consistently in the future. A good example is an office space or hotel that easily can be transformed into a hospital, like \u003ca href=\"https://investors.aecom.com/news-releases/news-release-details/aecom-completes-phase-one-transformation-mccormick-place\"\u003eAECOM\u003c/a\u003e\u003cu\u003e\u0026rsquo;s recent work\u003c/u\u003e transforming McCormick Place Convention Center in Chicago into an alternate care facility for patients with COVID-19 symptoms.\u003c/p\u003e\n\n\u003cp\u003eWe expect a subset of people who are working remotely today to continue to do so after the pandemic, and that trend should grow even faster with Millennials and Generation Z. To support this, they will look for smart home upgrades including better connectivity, infrastructure, and work space.\u003c/p\u003e\n\n\u003cp\u003eIn the area of managing employee health and worker safety post-COVID-19, more immediate insights will become very important. One example is the \u003ca href=\"https://www.portofantwerp.com/en/news/port-antwerp-tests-smart-bracelet-prevent-corona-infection-workfloor\"\u003ePort of Antwerp\u003c/a\u003e, where workers are testing smart watches that buzz if workers are too close, supporting the required social distancing of 1.5 meters.\u003c/p\u003e\n\n\u003cp\u003eWe also expect that post-COVID-19, there\u0026rsquo;ll be more automation and robotics in intelligent EC\u0026amp;O workflows, with less human-to-human interaction to prevent disease transmission\u003cstrong\u003e. \u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eThe current situation means supply chain ecosystems are disrupted, logistics are restricted, and mid-market suppliers and sub-contractors are vulnerable. Key workflows and ways of working need to be re-examined with tighter collaboration and better visibility across the supply chain ecosystem. The need for common language to collaborate is high, and the value of speeding up new regulations and standards like \u003ca href=\"https://www.iso.org/news/ref2364.html\"\u003eISO 19650\u003c/a\u003e is clear.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eCOVID-19 response\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eEC\u0026amp;O companies are working on a three-step approach to fight the battle and manage the journey back to operational stability, while preparing for the next normal: respond, recover and reinvent.\u003c/p\u003e\n\n\u003cp\u003e\u003cimg alt=\"\" height=\"337\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/052bbcfb565346728fc16f5df938c2b5.png\" width=\"690\" /\u003e\u003c/p\u003e\n\n\u003cp\u003eWe believe the future of EC\u0026amp;O will be much more digital, with faster adoption of Industry 4.0, circularity, and the use of differentiating business platforms.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eRespond\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eAs we write this blog, enterprises have already taken actions to respond to the COVID-19 challenge. Companies in the EC\u0026amp;O industry have prioritized community and workforce health and safety. New partnerships have been initiated, such as \u003ca href=\"https://www.vinci.com/vinci.nsf/en/news-update/pages/vinci_autoroutes_partners_with_the_covid_19_barometer_on_behaviour_in_france_france_042020.htm\"\u003eVINCI\u003c/a\u003e teaming up with market research institute Ipsos on the Datacovid initiative. Its purpose \u0026ldquo;is to supply new, anonymous open data to scientists and public and private organizations, in order to track behavior in France, and its impact on the epidemic\u0026rsquo;s dynamics over time.\u0026rdquo;\u003c/p\u003e\n\n\u003cp\u003eWhat can E\u0026amp;CO companies do right now to address the immediate impacts of COVID-19?\u003c/p\u003e\n\n\u003col\u003e\n\t\u003cli\u003eProtect and support employees and stakeholders while moving to new ways of working and ecosystem collaboration\u003c/li\u003e\n\t\u003cli\u003eStabilize IT, manage project risks, and secure operations and supply of critical equipment, material, components and labor.\u003c/li\u003e\n\t\u003cli\u003eIdentify and reconfigure key elements of the enterprise operating model\u0026mdash;and project delivery, resource-mix, and workflows\u0026mdash;to conform to the new ways of working\u003c/li\u003e\n\t\u003cli\u003eAnalyze risk (worst case/best case scenarios) across demand, supply, projects, and other financial metrics. Enable scenario modeling to manage risk in a volatile environment.\u003c/li\u003e\n\u003c/ol\u003e\n\n\u003cp\u003e\u003cstrong\u003eRecover \u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eHaving survived through the initial shock and assessed the magnitude of the pandemic\u0026rsquo;s impact, enterprises should prepare for a fast restart.\u003c/p\u003e\n\n\u003col\u003e\n\t\u003cli\u003eDrive cost optimization through sourcing, SG\u0026amp;A, improving productivity, reductions in cost of failure, workforce, and IT. This also includes optimizing CapEx/OpEx plans to release cash. \u0026nbsp;\u003c/li\u003e\n\t\u003cli\u003eBuild a new and updated digital asset lifecycle services model conforming to the new normal. An example of this would be to enable tighter collaboration among strategic suppliers, customers, \u0026nbsp;and partners to get through the current reality.\u003c/li\u003e\n\t\u003cli\u003eEnable operational excellence within the reconfigured processes and resource mix. Conforming to the new ways of working. An example of this is the adoption of the connected built environment platform linking key project stakeholders through the lifecycle of the asset to reduce cost of failure resulting in savings of up to 10 percent of contract value. The \u003ca href=\"https://www.digiplaceproject.eu/\"\u003eDigiPlace\u003c/a\u003e initiative in Europe, for example, is moving toward a European digital platform for construction.\u003c/li\u003e\n\t\u003cli\u003eIdentify and build foundational capabilities required for the new revenue and operating model. An example of this includes the need to set a future talent model with secure knowledge, skills, and other differentiating capabilities.\u003c/li\u003e\n\t\u003cli\u003eEnable data standardization and \u0026ldquo;platformization\u0026rdquo; that can be used internally and externally. For example, IBM worked with \u003ca href=\"https://newsroom.fluor.com/press-release/corporate/fluor-uses-ibm-watson-deliver-predictive-analytics-capability-megaprojects\"\u003eFluor\u003c/a\u003e to build a data platform which integrates its current and historical project data for benchmarking, and better project reporting and control. This capability is now helping Fluor\u0026mdash;with better project health and risk assessments, and scenario actions\u0026mdash;\u003cbr /\u003e\n\tto respond to the current challenges, leveraging cognitive intelligence for process efficiency and real-time analysis.\u003c/li\u003e\n\u003c/ol\u003e\n\n\u003cp\u003e\u003cstrong\u003eReinvent\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eIn the long term, to thrive post-pandemic, EC\u0026amp;O enterprises will have to align with next generation business models by leveraging new technologies and exploiting their core strengths.\u003c/p\u003e\n\n\u003col\u003e\n\t\u003cli\u003eImplement structural solutions to address new ways of working in the different normal across the enterprise, supply chain partners, and customers.\u003c/li\u003e\n\t\u003cli\u003eBuild and leverage cognitive intelligence,\u003cstrong\u003e \u003c/strong\u003eon top of the data and other business service platforms, for process efficiency and real-time analysis.\u003c/li\u003e\n\t\u003cli\u003eWin in the marketplace with differentiated capability and lowest cost to serve\u003c/li\u003e\n\u003c/ol\u003e\n\n\u003cp\u003eCOVID-19 will be controlled. The economy will reopen. But life and business must evolve to meet the demands of a changed world. EC\u0026amp;O companies that take prudent short- and long-term actions now will be positioned to emerge from the current crisis stronger and more resilient.\u003c/p\u003e\n\n\u003cp\u003eIBM\u0026rsquo;s global team of experts is delivering new business insights to help our clients navigate disruption and prepare for the future.\u0026nbsp;\u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/report/covid-19\"\u003eClick here\u003c/a\u003e\u0026nbsp;to access our COVID-19 Action Guide and related resources.\u003c/p\u003e\n","approved":true,"image_alt":"Engineering, Construction, and Operations industry","thumbnail_alt":"Engineering, Construction, and Operations industry","hideRelatedBlogs":false,"createdAt":"2020-05-27T19:32:29.443Z","updatedAt":"2022-03-06T10:21:21.502Z","author":[{"id":587,"name":"Wilco Kaijim","email":"wilco_kaijim@nl.ibm.com","twitter":"","facebook":"","linkedin":"https://linkedin. com/in/wilco-kaijim-8483434","featured":false,"priority":0,"title":"Executive Partner, Global Industrial Products Engineering, Construction, and Operations","image_alt":"Wilco Kaijim","place_of_employment":"","bio":"","createdAt":"2019-08-28T01:25:36.431Z","updatedAt":"2020-09-17T20:50:56.181Z","image":{"id":1821,"name":"VTev-hbfvFEyrbKUg3G_G3jR","alternativeText":null,"caption":null,"width":null,"height":null,"formats":null,"hash":"aa32dd4b1caf4356bc460b3fa2cfed77","ext":".jpg","mime":"image/jpeg","size":39.41,"url":"/thought-leadership/institute-business-value/uploads/en/aa32dd4b1caf4356bc460b3fa2cfed77.jpg","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2020-05-27T20:33:53.862Z","updatedAt":"2020-05-27T20:33:53.873Z"}}],"image":{"id":7419,"name":"acf39e6b9ca9470a8030bb253fd16e11.webp","alternativeText":null,"caption":null,"width":2000,"height":500,"formats":null,"hash":"acf39e6b9ca9470a8030bb253fd16e11_c3eeda9037","ext":".webp","mime":"image/webp","size":80.65,"url":"/thought-leadership/institute-business-value/uploads/en/acf39e6b9ca9470a8030bb253fd16e11_c3eeda9037","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:21:21.234Z","updatedAt":"2022-03-06T10:21:21.464Z"},"thumbnail":{"id":6857,"name":"a88c37ff45ab410282a668f214c26733.webp","alternativeText":null,"caption":null,"width":729,"height":359,"formats":null,"hash":"a88c37ff45ab410282a668f214c26733_103205a917","ext":".webp","mime":"image/webp","size":41.94,"url":"/thought-leadership/institute-business-value/uploads/en/a88c37ff45ab410282a668f214c26733_103205a917","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:21:08.129Z","updatedAt":"2022-03-06T10:21:08.402Z"},"mlinks":{"id":75,"prompt":"covid-19-category","offer1":"In a global crisis, the right solutions can help you navigate uncertainty, adapt to changing conditions and become more resilient.","action1":"Business solutions for COVID-19 disruption","link1":"https://www.ibm.com/impact/covid-19/business-solutions","offer2":"Work safe, work smart, and guard the health, safety and productivity of your people in a changing workplace.","action2":"Watson Works","link2":"https://www.ibm.com/watson/watson-works","offer3":"Get the latest IBM insights, updates and offerings, 24/7.","action3":"IBM response to COVID-19","link3":"https://www.ibm.com/thought-leadership/covid19","locale":"en-us","createdAt":"2020-03-23T14:09:07.432Z","updatedAt":"2022-09-07T21:29:34.173Z"},"assets":[]},{"id":56,"slug":"covid-19-oil-gas","title":"COVID-19 accelerates new ways of working in the energy frontier","subtitle":"","date":"2020-05-22T12:00:00.000Z","blurb":"While challenging external forces are not new to O\u0026G companies, they are finding themselves having to adapt with greater speed and agility to address the current landscape and prepare for a new market reality.\n","content":"\u003cp\u003eThe Oil \u0026amp; Gas (O\u0026amp;G) industry is facing incredible challenges amidst the COVID-19 pandemic. The industry\u0026rsquo;s demand destruction at the same time as its production contention has resulted in both the oversupply of resources and the subsequent oil price collapse. While challenging external forces are not new to O\u0026amp;G companies, they are finding themselves having to adapt with greater speed and agility to address the current landscape and prepare for a new market reality.\u003c/p\u003e\n\n\u003cp\u003eThe current oversupply scenario has filled almost 7 billion barrels of global storage and cargo vessels are being used as crude storage rather than transport. The subcontractor services ecosystems have been the first casualties of the crisis, with contracts terminated, projects postponed, operations minimized, and rate-cuts demanded. The magnitude and implications of this challenge have motivated political alliances, agreements, and decisions previously considered impossible, such as widespread production cuts.\u003c/p\u003e\n\n\u003cp\u003eSupply/demand imbalance will impose a new economic reality that challenges organizations\u0026rsquo; ability to maintain production in individual fields, sanction new development, or even explore new areas. Likewise, downstream runs have been curtailed and await an increase from the nominal 30-40 percent decrease in fuels purchases.\u003c/p\u003e\n\n\u003cp\u003eEven in the midst of all this, O\u0026amp;G companies are planning for their larger transformation that will address society\u0026rsquo;s expectation to transition energy beyond hydrocarbons.\u003c/p\u003e\n\n\u003cp\u003eAgainst this market backdrop, organizations need to think about the path forward on three timelines:\u003c/p\u003e\n\n\u003col\u003e\n\t\u003cli\u003eRespond \u0026ndash; Focus on short-term priorities of safety and operations\u003c/li\u003e\n\t\u003cli\u003eRecover \u0026ndash; Empower and enable organizations to adapt to the new situation\u003c/li\u003e\n\t\u003cli\u003eReinvent \u0026ndash; Develop new operating models and capabilities for growth.\u003c/li\u003e\n\u003c/ol\u003e\n\n\u003cp\u003e\u003cstrong\u003eRespond \u0026ndash; Focus on short-term priorities of safety and operations\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eO\u0026amp;G companies must prioritize the safety and health of mission-critical employees and partners. At the same time, they have to enable new ways of working, internally as well as with ecosystem partners. The industry approach of integrated operations is a best practice that other industries are now embracing to keep the lights on. Upstream organizations will leverage their remote and virtual ways of working to rapidly adapt to COVID-19 realities.\u003c/p\u003e\n\n\u003cp\u003eCompanies are focusing on preserving free cash flow through cost-cutting, postponing projects, cutting dividends, and suspending share buybacks. National oil companies are balancing their social programs with these economic headwinds.\u003c/p\u003e\n\n\u003cp\u003eAt the same time, companies are looking to stabilize IT and address cybersecurity to protect operations, technical integrity of facilities, availability of materials, and scheduling and deployment of labor. They are also revisiting risk analysis, technical and operational integrity and critical resources, and assessing individual assets\u0026rsquo; financial sensitivity, and creating options based on technical considerations, interdependencies, and contractual obligations.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eRecover \u0026ndash; Empower and enable organizations to adapt to the new situation \u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eAdapting for the longer term, companies must focus on:\u003c/p\u003e\n\n\u003cul\u003e\n\t\u003cli\u003ePerforming cost takeout initiatives in procurement, inventory optimization and workforce demand alignment, and cross-discipline work planning/execution\u003c/li\u003e\n\t\u003cli\u003eExamining financing options for ongoing projects to preserve cash\u003c/li\u003e\n\t\u003cli\u003eEnabling tighter collaboration with strategic suppliers and partners to develop mitigation and crisis plans that protect capabilities and skills required for normalization\u003c/li\u003e\n\t\u003cli\u003eActing on asset analysis, inclusive of M\u0026amp;A and divestiture options\u003c/li\u003e\n\t\u003cli\u003eLeveraging exponential technology for better process visibility and workflow efficiency.\u003c/li\u003e\n\u003c/ul\u003e\n\n\u003cp\u003e\u003cstrong\u003eReinvent \u0026ndash; Develop new operating models and capabilities for growth\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eAs the new normal reaches a steady state, O\u0026amp;G companies have to focus on reinvention:\u003c/p\u003e\n\n\u003cul\u003e\n\t\u003cli\u003eCo-innovating across disciplines, including new ways of working that take into account lessons learned from the pandemic, operational boundaries of assets, and exponential technology\u003c/li\u003e\n\t\u003cli\u003eBuilding on internal and strategic partners\u0026rsquo; strengths to restore operation of highest yielding and economically sustainable fields\u003c/li\u003e\n\t\u003cli\u003eExploring new technical options for extended economic life of assets\u003c/li\u003e\n\t\u003cli\u003eEmbedding sustainability requirements and costs in all green/brown field analysis.\u003c/li\u003e\n\u003c/ul\u003e\n\n\u003cp\u003eCOVID-19 will be controlled. Critical infrastructure and O\u0026amp;G production will be a prerequisite to normalize all economies as the world recovers. As we emerge from the pandemic, society, shareholders and employees will have higher expectations for operational integrity to embed sustainability goals, as well as resilience to the cyclic economic challenges the industry still will face. Likewise, the forced transition to digital connectivity will afford new approaches and ideas to drive business performance, and also challenge some historically held ideas about what actions must be conducted where, and by whom.\u003c/p\u003e\n\n\u003cp\u003eO\u0026amp;G companies embracing the new normal will gain a competitive advantage in a more sustainable hydrocarbon industry. While new regulations may emerge, digitally enabled companies will be more equipped to respond with agility to marketplace volatility.\u003c/p\u003e\n\n\u003cp\u003eTo support our clients, IBM has developed best practices and recommendations for actions to take now and after the pandemic.\u0026nbsp;\u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/report/covid-19\" target=\"_blank\"\u003eClick here\u003c/a\u003e\u0026nbsp;to access our COVID-19 Action Guide and related resources.\u003c/p\u003e\n","approved":true,"image_alt":"new ways of working in the energy frontier","thumbnail_alt":"new ways of working in the energy frontier","hideRelatedBlogs":false,"createdAt":"2020-05-23T05:06:56.277Z","updatedAt":"2022-03-06T10:21:15.069Z","author":[{"id":192,"name":"David Womack","email":"dmwomack@us.ibm.com","twitter":"","facebook":"","linkedin":"https://www.linkedin.com/in/david-womack-4b81454","featured":false,"priority":0,"title":"Global Director of Strategy and Business Development, Chemicals and Petroleum industry","image_alt":"David Womack","place_of_employment":"","bio":"","createdAt":"2018-12-01T12:32:52.716Z","updatedAt":"2022-08-12T00:10:07.645Z","image":{"id":1639,"name":"OhhDgHsDN3k_XF2fCIEkbeGN","alternativeText":null,"caption":null,"width":null,"height":null,"formats":null,"hash":"1feef0b9b4ab4dcb9883e1c6a4f0dac8","ext":".jpg","mime":"image/jpeg","size":22.95,"url":"/thought-leadership/institute-business-value/uploads/en/1feef0b9b4ab4dcb9883e1c6a4f0dac8.jpg","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2020-05-23T05:17:52.439Z","updatedAt":"2020-05-23T05:17:52.450Z"}}],"image":{"id":7280,"name":"f18f4b395be54f2db70956f3c32b3785.webp","alternativeText":null,"caption":null,"width":2000,"height":500,"formats":null,"hash":"f18f4b395be54f2db70956f3c32b3785_d7c3e3f97d","ext":".webp","mime":"image/webp","size":41.62,"url":"/thought-leadership/institute-business-value/uploads/en/f18f4b395be54f2db70956f3c32b3785_d7c3e3f97d","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:21:14.810Z","updatedAt":"2022-03-06T10:21:15.053Z"},"thumbnail":{"id":6120,"name":"4f53437b15e44965a9bb5c0a7a3b868b.webp","alternativeText":null,"caption":null,"width":729,"height":359,"formats":null,"hash":"4f53437b15e44965a9bb5c0a7a3b868b_0247dee445","ext":".webp","mime":"image/webp","size":17.04,"url":"/thought-leadership/institute-business-value/uploads/en/4f53437b15e44965a9bb5c0a7a3b868b_0247dee445","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:20:59.712Z","updatedAt":"2022-03-06T10:20:59.744Z"},"mlinks":{"id":75,"prompt":"covid-19-category","offer1":"In a global crisis, the right solutions can help you navigate uncertainty, adapt to changing conditions and become more resilient.","action1":"Business solutions for COVID-19 disruption","link1":"https://www.ibm.com/impact/covid-19/business-solutions","offer2":"Work safe, work smart, and guard the health, safety and productivity of your people in a changing workplace.","action2":"Watson Works","link2":"https://www.ibm.com/watson/watson-works","offer3":"Get the latest IBM insights, updates and offerings, 24/7.","action3":"IBM response to COVID-19","link3":"https://www.ibm.com/thought-leadership/covid19","locale":"en-us","createdAt":"2020-03-23T14:09:07.432Z","updatedAt":"2022-09-07T21:29:34.173Z"},"assets":[]},{"id":57,"slug":"covid-19-travel-and-transportation-recovery","title":"Accelerating COVID-19 recovery in the travel and transportation industries","subtitle":"","date":"2020-05-22T12:00:00.000Z","blurb":"T\u0026T industries are tightly coupled with all aspects of critical infrastructure, global peace and prosperity, there is no doubt we will recover.\n","content":"\u003cp\u003e\u003cem\u003e\u0026ldquo;It is not the strongest species that survive, nor the most intelligent, but the ones most adaptable to change.\u0026rdquo; \u0026ndash;attributed to Charles Darwin\u003c/em\u003e\u003c/p\u003e\n\n\u003cp\u003eThe experience of governmental lockdowns, self-isolation, quarantines, social distancing and other important measures to protect us from COVID-19 weighs heavily on us and continues to impact each of us personally and professionally. We have all seen the devastating and ravaging effects of the COVID-19 pandemic on an unprecedented global scale\u0026mdash;especially in our travel and transportation (T\u0026amp;T) industries.\u003c/p\u003e\n\n\u003cp\u003eIn the Airline, Travel and Tourism sector, with severe travel restrictions and extensive border closures, demand has plummeted to almost non-existent levels. In the most recent \u003ca href=\"https://wttc.org/News-Article/WTTC-now-estimates-over-100-million-jobs-losses-in-the-Travel-\u0026amp;-Tourism-sector-and-alerts-G20-countries-to-the-scale-of-the-crisis\"\u003eWorld Travel and Tourism Council Analysis\u003c/a\u003e, revised forecast models are showing global sector impact of over 100 million job losses and nearly USD 2.7 trillion GDP losses to the world economy in 2020. Never have we seen such a grim near-term outlook.\u003c/p\u003e\n\n\u003cp\u003eIn the Transportation, Freight and Logistics sector, even with the classification as critical infrastructure throughout the world, we have seen steep declines in demand and capacity\u0026mdash;as much as 20-30 percent in some forecasts. And with uncertainty looming in consumer and business spending, manufacturing confidence, and trade-lane bottlenecks, on top of global job losses and economic contraction, the risk of categorical deglobalization is real. Forecasting future demand and capacity requirements is nearly impossible.\u003c/p\u003e\n\n\u003cp\u003eHowever, as our T\u0026amp;T industries are tightly coupled with all aspects of critical infrastructure, global peace and prosperity, there is no doubt we will recover. And as leaders, it is our responsibility to adapt quickly, accelerate the recovery and emerge even stronger in the next normal.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eTrust is the new currency\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eTrust is valuable in all aspects of life, but it cannot be purchased, it must be earned. Leaders in our industries must consider how to reimagine trust models, and elevate ideas and innovation learned from the current crisis. Earning trust with all stakeholders, including customers, employees, business partners, governments, shareholders, and others is critical in the face of extreme uncertainty and can be the only currency worth accepting.\u003c/p\u003e\n\n\u003cp\u003eTrust in the next normal is about confidence in actions taken by key stakeholders, particularly customers and employees. Proactive operating models\u0026mdash;with open and transparent approaches and activities that bring surprise, delight and deepening engagement\u0026mdash;must be sustained and become a dependency for long-lasting credence. For example, in our T\u0026amp;T industries, we are seeing the rapid introduction of public health measures and touchless solutions as a key part of safety and security for building trust. Anti-microbial facemasks, gloves and other protective equipment, along with transparent sanitation techniques and food safety tracing, prep and certifications along with effective physical distancing can bring confidence to customers/passengers and employees. In addition, reimagining the customer journey with touchless (or contactless) solutions, such as AI-based computer vision and imaging, voice and face-based processing, biometric authentication and digital IDs/wallets, automated and robotic self-service, and other innovative approaches will provide significant trust and confidence benefits. Collaboration among industry organizations, associations, governments, and regulatory bodies will also be critical to accelerate trust on a broader industry basis, including developing global standards, common industry platforms and reconciling social and ethics concerns with data sharing, security and privacy.\u003c/p\u003e\n\n\u003cp\u003eWe also cannot overlook the power of reimagining and/or repositioning existing markets, products, services and internal processes leveraging trust as a key (re)design principle. A clear example of this reimagining is how airlines are leveraging unused aircraft cargo capacity to send medical supplies to critical personnel during this pandemic. In hotels, we see rooms being quickly repositioned for medical workers and recovering patients. Employers are also filling the trust bank with their employees by shifting to virtual work environments, providing honest and open communications; finding tools and solutions in sincere fashion to ensure their long-term health, safety and security. A wonderful example is how some T\u0026amp;T organizations are forming partnerships with critical businesses and organizations to take on furloughed employees for temporary employment.\u003c/p\u003e\n\n\u003cp\u003eIn addition, our T\u0026amp;T industries must develop reimagined strategies and bold actions in cleaner energy and sustainability. As we just celebrated the 50\u003csup\u003eth\u003c/sup\u003e Anniversary of Earth Day, it reminded me of the collective challenges we all face and how important innovation and human ingenuity are to us accelerating our triumph over this existential threat. Comprehensive strategies and plans that are proactive, aggressive and possibly unconventional can demonstrate leadership for each stakeholder and must be considered. Innovative trends, such as open and transparent CO2 emissions footprints being embedded into \u0026ldquo;sustainable\u0026rdquo; loyalty currencies. Promotions and product offerings that drive customer behavior being pursued are bio-fuels, clean-energy vehicles and heavy equipment, sustainable plastic distribution and consumption, renewable and clean-energy sources with geospatial weather forecasting for heating and cooling, and aggressive elimination plans of emissions for computing systems. The bottom line is our T\u0026amp;T industries must ensure all our efforts and energy are demonstrated in real and trusted commitment to responsible stewardship of our planet (see \u003ca href=\"https://www.ibm.com/blogs/corporate-social-responsibility/\"\u003eIBM\u0026rsquo;s \u0026ldquo;Good Tech\u0026rdquo; initiatives\u003c/a\u003e).\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eBeyond resiliency\u0026hellip;to business elasticity\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eThe focus in recent years has been about stabilizing and hardening our environments to ensure we can operate effectively in a relatively stable economic and political environment. However, as we have learned through the COVID-19 pandemic, we must go beyond resiliency and reinvent our organizations to drive \u003cem\u003eelasticity\u003c/em\u003e in our business models as a fundamental design principle.\u003c/p\u003e\n\n\u003cp\u003eElasticity implies that organizations, cost structures, systems, and business processes must be considered as interoperable capabilities and be able to scale both up \u003cem\u003eand down\u003c/em\u003e, in near-real-time, to meet the dynamic changes and demands on the organization. Elastic business models will have a lasting effect in future discontinuity or crises. They\u0026rsquo;ll help critically address our T\u0026amp;T industries\u0026rsquo; high fixed-costs and rigid structures which, during COVID-19, have resulted in unprecedented financial loss and operational impact.\u003c/p\u003e\n\n\u003cp\u003eWith IBM\u0026rsquo;s distinct and \u0026ldquo;maniacal focus\u0026rdquo; (\u003ca href=\"https://www.linkedin.com/pulse/my-first-day-ceo-our-journey-together-arvind-krishna\"\u003esee Arvind Krishna\u0026rsquo;s first-day CEO blog\u003c/a\u003e) on hybrid cloud and AI, coupled with our IBM services, we are uniquely positioned to help our T\u0026amp;T clients reinvent and build elastic business models and technology capabilities, and \u0026ldquo;architectures\u0026rdquo; that can adapt to volatile business environments and demands...up \u003cem\u003eand down\u003c/em\u003e.\u003c/p\u003e\n\n\u003cp\u003eFor example, to reduce operational costs while accommodating volatility of demand and call volumes, and empowering a flexible segment of employees to work remotely, one T\u0026amp;T client set up quickly to utilize our AI and cloud-based \u003ca href=\"https://www.ibm.com/cloud/watson-assistant-2/?p1=Search\u0026amp;p4=p50290480262\u0026amp;p5=b\u0026amp;cm_mmc=Search_Google-_-1S_1S-_-WW_NA-_-%2Bwatson%20%2Bassistant_b\u0026amp;cm_mmca7=71700000060917569\u0026amp;cm_mmca8=aud-311016886972:kwd-451214968547\u0026amp;cm_mmca9=EAIaIQobChMIy6axzYSM6QIVUvDACh0BdwlbEAAYASAAEgKpj_D_BwE\u0026amp;cm_mmca10=405891754057\u0026amp;cm_mmca11=b\u0026amp;gclid=EAIaIQobChMIy6axzYSM6QIVUvDACh0BdwlbEAAYASAAEgKpj_D_BwE\u0026amp;gclsrc=aw.ds\"\u003eWatson Assistant\u003c/a\u003e for engaging customers virtually. Leveraging cloud and AI enables organizations to shift and flex up and down as demand, costs and capabilities need to adjust in real-time.\u003c/p\u003e\n\n\u003cp\u003eAnother example is where \u003ca href=\"https://www.ibm.com/financing\"\u003eIBM Global Financing\u003c/a\u003e provided financial support to accelerate modernization and migration of key applications into a hybrid cloud approach, eliminating the dependency on high fixed-cost data centers and extending elasticity into IT operating and cost structures. Other examples even beyond T\u0026amp;T industries can be found on \u003ca href=\"https://www.ibm.com/impact/covid-19/\"\u003eIBM\u0026rsquo;s response to COVID-19 page\u003c/a\u003e.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eMy personal SARS experience\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eDuring the global SARS epidemic in the first half of 2003, I was, like many industry leaders, caught in a particularly difficult situation as a leader and employee of a major US airline. In addition to the SARS outbreak, the industry was also reeling from a number of other challenges, including post-9/11 recovery, bankruptcy (December 2002), Iraq War (March 2003), and a spate of global terror attacks (for example, in Rihadh, Jakarta and Istanbul). Many of the gut-wrenching messages from CEOs to employees and customers\u0026mdash;messages about new procedures, liquidity concerns, and the deep uncertainty in demand forecasts\u0026mdash;are echoing in our current crisis. But when handled with genuine grace, compassion, and integrity, these messages\u0026mdash;even the ones with the most difficult implications\u0026mdash;build trust.\u003c/p\u003e\n\n\u003cp\u003eThe impacts of decisions made in these previous industry crises, however, were devastating. But they were, in almost every way, less severe than what the industry faces today. The extreme uncertainty that airlines and travel companies are grappling with today will leave deep scars and lasting memories. The SARS crisis introduced the industry to travel alerts, but now we have widespread World Health Organization travel restrictions and country border closings.\u003c/p\u003e\n\n\u003cp\u003eBut even though the previous crisis was less intense, it made a lasting impression on me personally. I remember distinctly which vendor/partners I could rely on because they were in the crisis with me. The people and companies that earned my trust were authentically willing to engage and support with big and bold ideas and innovations in context with the situation. I remember one essential vendor/partner who took on additional risk and went to extraordinary lengths to support one critical customer initiative. As you can imagine, this cemented trust and a long-lasting impression of goodwill.\u003c/p\u003e\n\n\u003cp\u003eHere at IBM, we are obsessed with helping the world\u0026rsquo;s industries and our clients\u0026rsquo; response to this global pandemic. We strive in every interaction to be your trusted and essential partner by bringing bold ideas, innovation and assistance to accelerate recovery. It is our honor to be the backbone to many of the critical operational systems and processes in our T\u0026amp;T industries and we will continue to be their most trusted partner in this strategic battle to emerge even stronger.\u003c/p\u003e\n\n\u003cp\u003ePlease be safe and well with your families and loved ones.\u003c/p\u003e\n","approved":true,"image_alt":" travel and transportation industries","thumbnail_alt":" travel and transportation industries","hideRelatedBlogs":false,"createdAt":"2020-05-23T05:37:28.514Z","updatedAt":"2022-03-06T10:21:15.447Z","author":[{"id":478,"name":"Dee K. Waddell","email":"dee.waddell@us.ibm.com ","twitter":"https://twitter.com/deekwaddell","facebook":"","linkedin":"https://linkedin.com/in/waddell/","featured":false,"priority":0,"title":"Global Managing Director, Travel \u0026 Transportation, IBM Global Markets","image_alt":"Dee K. Waddell","place_of_employment":"","bio":"","createdAt":"2020-05-23T05:53:22.916Z","updatedAt":"2021-04-20T00:47:51.738Z","image":{"id":1505,"name":"8hhQzxFA3BZfN7lC4bhTKr9C","alternativeText":null,"caption":null,"width":null,"height":null,"formats":null,"hash":"d68fcfc9d1fe4529b061a2362744dd48","ext":".jpg","mime":"image/jpeg","size":79.98,"url":"/thought-leadership/institute-business-value/uploads/en/d68fcfc9d1fe4529b061a2362744dd48.jpg","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2020-05-23T05:56:19.502Z","updatedAt":"2020-05-23T05:56:19.513Z"}}],"image":{"id":7482,"name":"ac15c3a9621144a9b80db9461ac130c3.webp","alternativeText":null,"caption":null,"width":2000,"height":500,"formats":null,"hash":"ac15c3a9621144a9b80db9461ac130c3_a1279ba8d9","ext":".webp","mime":"image/webp","size":40.07,"url":"/thought-leadership/institute-business-value/uploads/en/ac15c3a9621144a9b80db9461ac130c3_a1279ba8d9","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:21:15.371Z","updatedAt":"2022-03-06T10:21:15.432Z"},"thumbnail":{"id":6912,"name":"35867b5f77524ad69fe2b9ddbe86c79c.webp","alternativeText":null,"caption":null,"width":729,"height":359,"formats":null,"hash":"35867b5f77524ad69fe2b9ddbe86c79c_dd060b4a5c","ext":".webp","mime":"image/webp","size":22.31,"url":"/thought-leadership/institute-business-value/uploads/en/35867b5f77524ad69fe2b9ddbe86c79c_dd060b4a5c","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:21:01.898Z","updatedAt":"2022-03-06T10:21:01.936Z"},"mlinks":{"id":75,"prompt":"covid-19-category","offer1":"In a global crisis, the right solutions can help you navigate uncertainty, adapt to changing conditions and become more resilient.","action1":"Business solutions for COVID-19 disruption","link1":"https://www.ibm.com/impact/covid-19/business-solutions","offer2":"Work safe, work smart, and guard the health, safety and productivity of your people in a changing workplace.","action2":"Watson Works","link2":"https://www.ibm.com/watson/watson-works","offer3":"Get the latest IBM insights, updates and offerings, 24/7.","action3":"IBM response to COVID-19","link3":"https://www.ibm.com/thought-leadership/covid19","locale":"en-us","createdAt":"2020-03-23T14:09:07.432Z","updatedAt":"2022-09-07T21:29:34.173Z"},"assets":[]},{"id":64,"slug":"covid-19-government-rebuild-recover","title":"Shifting government COVID-19 response into the next phase: Rebuild and recover","subtitle":"","date":"2020-05-22T12:00:00.000Z","blurb":"We have reached the end of the immediate response to COVID-19 and are now swiftly moving into the recover and rebuild phase.\n","content":"\u003cp\u003eJust over a month ago, I shared some \u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/blog/covid-19-government\"\u003ethoughts\u003c/a\u003e on the essential role that government will play in supporting our society and citizens through the COVID-19 pandemic. In that short period of time, the rate and pace of change has been astounding\u0026mdash;in many ways, faster than anticipated. Like many of you, I have been humbled by the immensity of the challenges we are facing, but at the same, time enormously proud to see governments and citizens worldwide step up to slow and limit the spread of infection, protect the health of our communities, and care for those who have been affected by the crisis\u0026mdash;whether physically, mentally or economically.\u003c/p\u003e\n\n\u003cp\u003eIn my first \u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/blog/covid-19-government\"\u003eblog\u003c/a\u003e, I shared a framework for how government response would break down into three stages: immediate response, recover and rebuild, and optimize for the new normal.\u003c/p\u003e\n\n\u003cp\u003eWe anticipated that the immediate response phase would be focused on gaining situational awareness and taking decisive action to enable remote working, remote learning, and cognitive assistance to overburdened call centers. We saw that play out in real time\u0026mdash;government agencies worldwide have moved swiftly to deploy analytics tools to measure and predict the spread of the virus, marshal resources to support the healthcare system, provide economic assistance, and apply new models of work. Many of our government partners have been at the forefront of this:\u003c/p\u003e\n\n\u003cul\u003e\n\t\u003cli\u003eGovernment agencies in Europe and the US have deployed virtual assistants to support social services call centers\u003c/li\u003e\n\t\u003cli\u003eOne large US city distributed 300,000 tablets with educational and security software and free cellular data connections so that public school students could tap into their school\u0026#39;s remote learning program\u003c/li\u003e\n\t\u003cli\u003eOne large U.S. state moved components of its unemployment agency\u0026rsquo;s systems to the cloud in order to maintain performance\u003c/li\u003e\n\t\u003cli\u003eMany health agencies are using the IBM Rapid Supply Connect offering to manage an ecosystem of new suppliers of medical equipment and personal protective equipment (PPE).\u003c/li\u003e\n\u003c/ul\u003e\n\n\u003cp\u003eFaster than we initially anticipated, many governments have already begun to shift into the second phase, recover and rebuild. Although healthcare systems social services agencies continue to face enormous strain as they combat the outbreaks in their communities, governments moved quickly to provide financial and human resources, and for the most part these agencies have not been overwhelmed. While many countries established shelter in place and/or severe economic restrictions and citizen self-isolation, they are beginning to assess how to ease lockdowns, reinvigorate economic activity and get people back to work. At the same time, they are taking measures to quickly identify and mitigate areas of resurgence, and to rebuild the trust and confidence of the citizenry. As we move into this new phase, two main areas of focus have emerged:\u003c/p\u003e\n\n\u003cp\u003e\u003cem\u003eEnhanced testing and contact tracing.\u003c/em\u003e Governments are moving to greatly accelerate both virus and antibody testing, and to develop industrial-scale contact tracing. They are building the ability to:\u003c/p\u003e\n\n\u003cul\u003e\n\t\u003cli\u003eEngage citizens at a community and personal level by standing up virtual call centers and cognitive assistants\u003c/li\u003e\n\t\u003cli\u003eHire and train contract tracers to support\u003c/li\u003e\n\t\u003cli\u003eManage and trace COVID-19-positive individuals through next-generation case management\u003c/li\u003e\n\t\u003cli\u003eServe the health-related and social needs of our most vulnerable during quarantine;\u003c/li\u003e\n\t\u003cli\u003eManage care and provide services for individuals and families affected by COVID-19\u003c/li\u003e\n\t\u003cli\u003eProtect patient privacy and data as they track and trace to further limit the spread.\u003c/li\u003e\n\u003c/ul\u003e\n\n\u003cp\u003e\u003cem\u003eUnemployment assistance and return to the workplace support:\u003c/em\u003e As governments move to ease restrictions and restart the economy, they face the dual challenges of providing direct financial assistance to those who have found themselves unexpectedly unemployed, while at the same time standing up return to the workplace programs to help them get back to work.\u003c/p\u003e\n\n\u003cp\u003eWhile most government agencies are leveraging their existing processes and technology platforms to provide direct financial assistance, many systems have been quickly over-burdened. One US state, for instance, saw a 900 percent increase in unemployment claims in a 14-day period. Understanding that they cannot simply switch IT horses in the middle of the race, they are looking for ways to enable greater efficiency, flexibility, and agility in their systems and processes. And they are looking at how to break the workflows down into discrete building blocks, as well as assessing what can easily be moved to the cloud and what must remain in their current IT environment. We are consistently seeing an explosion in the move to hybrid cloud models that allow agencies to take advantage of cloud resources in concert with their existing infrastructure and move workloads seamlessly between the two.\u003c/p\u003e\n\n\u003cp\u003eOne critical piece of the return to the workplace is understanding which parts of the economy are beginning to rehire, and helping unemployed people find roles that match their skills and experience in a dramatically changed environment. Entire industries and career paths have changed right before our eyes. Many people will find that the jobs they most recently filled will not come back, at least in the short term. Governments seek to develop the ability to help citizens assess their core competencies, and either match them to suitable roles, or provide guidance on the training they need to move back into the workforce.\u003c/p\u003e\n\n\u003cp\u003eAnother critical aspect of the return to the workplace efforts, of course, is supporting worker and workplace safety. Government organizations around the world have had different experiences in responding to the pandemic. Some have employee populations that quickly adapted to work from home, while others were forced to shut down operations in whole or in part. As leaders consider re-opening office buildings and businesses, many are looking to do so in waves, enacting social distancing measures in the workplace, while at the same time keeping an eye on the potential for resurgence. Hyperlocal disease monitoring is critical at this stage to ease or tighten restrictions based on the latest information.\u003c/p\u003e\n\n\u003cp\u003eWe have reached the end of the immediate response to COVID-19 and are now swiftly moving into the recover and rebuild phase. This is good news, though not without new challenges. IBM is deeply involved with government agencies around the world as they build capability to carry society through this phase. Addressing the challenge requires the flexibility of hybrid cloud, and the agility of new intelligent workflows\u0026mdash;all supported with new cognitive intelligence and analytics\u0026mdash;and I am proud that the work we are doing every day is bringing these capabilities to bear.\u003c/p\u003e\n","approved":true,"image_alt":"Shifting government ","thumbnail_alt":"Shifting government ","hideRelatedBlogs":false,"createdAt":"2020-05-23T01:21:32.413Z","updatedAt":"2022-06-03T00:14:51.595Z","author":[{"id":866,"name":"Timothy Paydos","email":"tpaydos@us.ibm.com","twitter":"https://twitter.com/timpaydos","facebook":"","linkedin":"https://www.linkedin.com/in/tim-paydos-857197/","featured":false,"priority":0,"title":"Vice President and General Manager, Government Industry Global Sales, IBM","image_alt":"Tim Paydos","place_of_employment":"","bio":"","createdAt":"2020-11-27T10:37:07.256Z","updatedAt":"2023-07-06T10:40:36.782Z","image":{"id":7738,"name":"paydos-hs.jpg","alternativeText":null,"caption":null,"width":508,"height":508,"formats":null,"hash":"paydos_hs_de88bb2e89","ext":".jpg","mime":"image/jpeg","size":22.39,"url":"/thought-leadership/institute-business-value/uploads/en/paydos_hs_de88bb2e89","previewUrl":null,"provider":"ibv-cos","provider_metadata":null,"createdAt":"2022-07-12T03:38:31.326Z","updatedAt":"2022-07-12T03:38:31.470Z"}}],"image":{"id":7001,"name":"969fb17a64cd4d64a3276d97410c8d2a.webp","alternativeText":null,"caption":null,"width":2000,"height":500,"formats":null,"hash":"969fb17a64cd4d64a3276d97410c8d2a_a8f91a18a5","ext":".webp","mime":"image/webp","size":78.14,"url":"/thought-leadership/institute-business-value/uploads/en/969fb17a64cd4d64a3276d97410c8d2a_a8f91a18a5","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:21:21.177Z","updatedAt":"2022-03-06T10:21:21.447Z"},"thumbnail":{"id":6362,"name":"5eb7a548db5d4e6e94087e7e5629260b.webp","alternativeText":null,"caption":null,"width":729,"height":359,"formats":null,"hash":"5eb7a548db5d4e6e94087e7e5629260b_7bbdaf4807","ext":".webp","mime":"image/webp","size":35.29,"url":"/thought-leadership/institute-business-value/uploads/en/5eb7a548db5d4e6e94087e7e5629260b_7bbdaf4807","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:21:09.648Z","updatedAt":"2022-03-06T10:21:09.927Z"},"mlinks":{"id":75,"prompt":"covid-19-category","offer1":"In a global crisis, the right solutions can help you navigate uncertainty, adapt to changing conditions and become more resilient.","action1":"Business solutions for COVID-19 disruption","link1":"https://www.ibm.com/impact/covid-19/business-solutions","offer2":"Work safe, work smart, and guard the health, safety and productivity of your people in a changing workplace.","action2":"Watson Works","link2":"https://www.ibm.com/watson/watson-works","offer3":"Get the latest IBM insights, updates and offerings, 24/7.","action3":"IBM response to COVID-19","link3":"https://www.ibm.com/thought-leadership/covid19","locale":"en-us","createdAt":"2020-03-23T14:09:07.432Z","updatedAt":"2022-09-07T21:29:34.173Z"},"assets":[]},{"id":51,"slug":"covid-19-manufacturing","title":"How the Manufacturing and Resources industry can prepare for post-COVID-19","subtitle":"","date":"2020-05-19T12:00:00.000Z","blurb":"The impact of COVID-19 on the Manufacturing and Resources industry varies from moderate to severe, depending on the downstream customer demand, workforce availability, supply-side shocks and regulatory environment.\n","content":"\u003cp\u003eThe current situation with COVID-19 and its impact on the global economy has dwarfed all previous disruptions. The International Monetary Fund (IMF) calls it \u003ca href=\"https://blogs.imf.org/2020/04/20/a-global-crisis-like-no-other-needs-a-global-response-like-no-other/\"\u003e\u0026quot;a crisis like no other.\u0026quot;\u003c/a\u003e\u003c/p\u003e\n\n\u003cp\u003eThe impact of COVID-19 on the Manufacturing and Resources industry varies from moderate to severe, depending on the downstream customer demand, workforce availability, supply-side shocks and regulatory environment. Industrial original equipment manufacturers (OEMs) are experiencing massive decline in new product demand and a slowdown in the services business, while the Metals and Mining industry is cautious. The Chemicals industry is re-prioritizing its product mix to support demand for alcohol (sanitizers) and plastics for packaging. In the near term, there was some tailwind for the Resources industries due to increased uptake by China, but this seems to be a short-term phenomenon.\u003c/p\u003e\n\n\u003cdiv class=\"ckeditor-html5-video\" data-responsive=\"true\"\u003e\n\u003cvideo controls=\"controls\" controlslist=\"nodownload\" poster=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/30b164f37095454aa2512f5498e5e978.jpg\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/43bd70e0603a4bbbbdf2654728d30ff1.mp4\" style=\"max-width: 100%; height: auto;\" width=\"700\"\u003e\u0026nbsp;\u003c/video\u003e\n\u003c/div\u003e\n\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\n\n\u003cp\u003eAt IBM, we see the Manufacturing and Resources industry as an ecosystem of makers and operators whose value chains are intertwined, thus creating an opportunity for enterprises to support each other through these troubled times. For example, industrial OEMs can help their customers provide digital insights and augmented intelligence to maintain optimum operations while their own experts may not be available.\u003c/p\u003e\n\n\u003cp\u003eWhile the immediate need is to maintain continuity of operations and support the community, enterprises are utilizing this phase to prepare for a fast start and develop a long-term strategy to evolve into the next normal. Enterprises are working on a three-step approach to manage the journey: respond, recover and reinvent.\u003c/p\u003e\n\n\u003cp\u003e\u003cimg alt=\"\" height=\"333\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/da0866aa787c4a5ebde331d32117d83b.jpg\" width=\"700\" /\u003e\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eRespond\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eAs we write this blog, enterprises have already initiated actions to respond to the COVID-19 challenge. Most companies in the Resources industries have prioritized community and workforce health and safety. As an example, \u003ca href=\"https://www.tatasteel.com/media/newsroom/press-releases/india/2020/tata-steel-amplifies-its-response-to-combat-covid-19/\"\u003eTata Steel\u003c/a\u003e, through Tata Steel Foundation (TSF), recently launched a ten-point #CombatCovid19 program to empathize with, empower, and equip communities.\u003c/p\u003e\n\n\u003cp\u003eMany of our clients are working with us to maintain continuity of operations by:\u003c/p\u003e\n\n\u003col\u003e\n\t\u003cli\u003eEnabling \u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/report/business-resilience-pandemic\"\u003elocation-agnostic work platforms\u003c/a\u003e to empower remote workforces\u003c/li\u003e\n\t\u003cli\u003eProtecting against new cybersecurity risks \u0026ndash; from early March to early May, \u003ca href=\"https://www.ibm.com/security/services/ibm-x-force-incident-response-and-intelligence\"\u003eIBM X-Force\u003c/a\u003e observed a \u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/report/covid-19-cyberwar\"\u003emore than 6,000 percent increase\u003c/a\u003e in coronavirus-themed spam.\u003c/li\u003e\n\t\u003cli\u003eReducing operational cost and maintaining \u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/report/covid-19-supply-chains\"\u003esupply chain continuity\u003c/a\u003e\u003cu\u003e.\u003c/u\u003e\u003c/li\u003e\n\u003c/ol\u003e\n\n\u003cp\u003eFor example, one client, a global manufacturer of eye contact lenses, remodeled its supply chain amid the pandemic. During normal operations, the supply chain ended at the distributor/clinic from which customers picked their orders. During lockdown, this was not sustainable and resulted in loss of revenue. The IBM team worked with the client to automate and integrate order management with the logistics provider to enable direct delivery, thus maintaining order fulfilment and delighting the client\u0026rsquo;s customers.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eRecover\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eHaving managed through the initial shock and assessed the magnitude of impact, enterprises are preparing for a fast restart. They need to focus on critical areas, including:\u003c/p\u003e\n\n\u003col\u003e\n\t\u003cli\u003e\u003cstrong\u003eResponsive supply chains\u003c/strong\u003e \u0026ndash; Monitor the changing demand and supply picture and the capability to respond in real-time. Forecasting models will be recalibrated beyond statistical methods.\u003c/li\u003e\n\t\u003cli\u003e\u003cstrong\u003eDifferentiated customer engagement\u003c/strong\u003e \u0026ndash; Understand customer needs and provide individualized engagement across all channels. Digital will become mainstream even in B2B engagements.\u003c/li\u003e\n\t\u003cli\u003e\u003cstrong\u003eResilient systems and control\u003c/strong\u003e \u0026ndash; Assess risk, execute data-based decision making, and implement extreme automation built on a scalable and secure infrastructure. Enterprises may consider outsourcing non-core processes and collaborating with ecosystem partners to exploit economies of scale.\u003c/li\u003e\n\t\u003cli\u003e\u003cstrong\u003eScalable production operations\u003c/strong\u003e \u0026ndash; Ready to restart operations with reliable assets, secure work environments, and availability of resources.\u003c/li\u003e\n\t\u003cli\u003e\u003cstrong\u003eEnabled workforce\u003c/strong\u003e \u0026ndash; Provide employees with the right skills, tools, and technologies to perform at the best of their ability. Enable lone worker safety to comply with social distancing regulations.\u003c/li\u003e\n\u003c/ol\u003e\n\n\u003cp\u003e\u003cstrong\u003eReinvent\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eWe believe the future of Manufacturing and Resources industries will be \u003cstrong\u003ehybrid\u003c/strong\u003e: Supply chains will be a hybrid between global and local. Manufacturing will be a hybrid between traditional and additive. Products and services will be a hybrid between physical and digital. Workforce will be a hybrid, with humans augmented by cognitive machines.\u003c/p\u003e\n\n\u003cp\u003eIn the long term, enterprises will have to develop next-generation business models by leveraging new technologies and exploiting their core strengths. They will have to focus on:\u0026nbsp;\u003c/p\u003e\n\n\u003col\u003e\n\t\u003cli\u003e\u003cstrong\u003eService-enabled business models.\u003c/strong\u003e Customer experience and service excellence at the core of all business models, commercials linked to outcome-based business models\u003c/li\u003e\n\t\u003cli\u003e\u003cstrong\u003eExtreme automation to support new ways of working.\u003c/strong\u003e All workflows utilize data and automation to self-discover and respond to events, with human interaction for exception management\u003c/li\u003e\n\t\u003cli\u003e\u003cstrong\u003eDigital-first enterprise architecture.\u003c/strong\u003e The next normal will accelerate the infusion of exponential technologies like artificial intelligence (AI), blockchain, automation, Internet of Things (IoT), 5G, and edge computing into the standard business architecture. Built on the hybrid cloud, this architecture will allow \u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/report/build-cognitive-enterprise\"\u003eenterprises to exploit the full potential of data\u003c/a\u003e and enable new business models.\u003c/li\u003e\n\t\u003cli\u003e\u003cstrong\u003eNew collar talent.\u003c/strong\u003e A workforce skilled to work alongside cognitive machines and within intelligent workflows is essential.\u003c/li\u003e\n\u003c/ol\u003e\n\n\u003cp\u003eThis will drive acceleration of digital transformation and faster adoption of Industry 4.0.\u003c/p\u003e\n\n\u003cp\u003eWe aim to come out of this pandemic stronger and ready for the next growth cycle. The ease of the journey will depend on collaboration with the ecosystem and willingness to change.\u003c/p\u003e\n\n\u003cp\u003eIBM\u0026rsquo;s global team of experts is delivering new business insights to help our clients navigate disruption and prepare for the future.\u0026nbsp;\u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/report/covid-19\"\u003eClick here\u003c/a\u003e\u0026nbsp;to access our COVID-19 Action Guide and related resources.\u003c/p\u003e\n","approved":true,"image_alt":"Manufacturing and Resources","thumbnail_alt":"Manufacturing and Resources","hideRelatedBlogs":false,"createdAt":"2020-05-20T02:15:16.959Z","updatedAt":"2022-03-06T10:21:21.507Z","author":[{"id":388,"name":"Gaurav Garg","email":"gauravgarg@dk.ibm.com ","twitter":"","facebook":"","linkedin":"https://linkedin.com/in/gargaurav","featured":false,"priority":0,"title":"Business Development Executive and Associate Partner, IBM Consulting","image_alt":"","place_of_employment":"","bio":"","createdAt":"2020-01-21T21:25:36.862Z","updatedAt":"2021-02-23T02:05:22.495Z","image":{"id":1465,"name":"Y7y_6hbLwmoheufk_VCnQ3on","alternativeText":null,"caption":null,"width":null,"height":null,"formats":null,"hash":"971fb323e2ff405a8f5902b05e4695c1","ext":".jpg","mime":"image/jpeg","size":52.32,"url":"/thought-leadership/institute-business-value/uploads/en/971fb323e2ff405a8f5902b05e4695c1.jpg","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2020-05-20T03:07:17.361Z","updatedAt":"2020-05-20T03:07:17.372Z"}}],"image":{"id":7253,"name":"1f99a3e022e0424a8d778fc805eac397.webp","alternativeText":null,"caption":null,"width":2000,"height":500,"formats":null,"hash":"1f99a3e022e0424a8d778fc805eac397_e4b5ad7000","ext":".webp","mime":"image/webp","size":83.92,"url":"/thought-leadership/institute-business-value/uploads/en/1f99a3e022e0424a8d778fc805eac397_e4b5ad7000","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:21:21.134Z","updatedAt":"2022-03-06T10:21:21.462Z"},"thumbnail":{"id":6917,"name":"4e179af678ca408cb773e3f0a1e383e2.webp","alternativeText":null,"caption":null,"width":729,"height":359,"formats":null,"hash":"4e179af678ca408cb773e3f0a1e383e2_5a77cd7cca","ext":".webp","mime":"image/webp","size":41.27,"url":"/thought-leadership/institute-business-value/uploads/en/4e179af678ca408cb773e3f0a1e383e2_5a77cd7cca","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:21:08.135Z","updatedAt":"2022-03-06T10:21:08.431Z"},"mlinks":{"id":75,"prompt":"covid-19-category","offer1":"In a global crisis, the right solutions can help you navigate uncertainty, adapt to changing conditions and become more resilient.","action1":"Business solutions for COVID-19 disruption","link1":"https://www.ibm.com/impact/covid-19/business-solutions","offer2":"Work safe, work smart, and guard the health, safety and productivity of your people in a changing workplace.","action2":"Watson Works","link2":"https://www.ibm.com/watson/watson-works","offer3":"Get the latest IBM insights, updates and offerings, 24/7.","action3":"IBM response to COVID-19","link3":"https://www.ibm.com/thought-leadership/covid19","locale":"en-us","createdAt":"2020-03-23T14:09:07.432Z","updatedAt":"2022-09-07T21:29:34.173Z"},"assets":[]},{"id":46,"slug":"covid-19-eeu","title":"Technology can help utilities care for customers and combat COVID-19","subtitle":"","date":"2020-05-07T12:00:00.000Z","blurb":"Utilities are working tirelessly to fulfill the world’s expectations: to provide safe, affordable and reliable power, gas, and water to their customers, despite COVID-19-related challenges.\n","content":"\u003cp\u003eBefore \u003ca href=\"https://www.who.int/emergencies/diseases/novel-coronavirus-2019\"\u003eCOVID-19\u003c/a\u003e, utilities did an excellent job fulfilling the expectations of users: providing safe, affordable, and reliable power, gas and water. Decarbonization was accelerating and renewables gaining traction. Businesses and consumers were demanding better services at a lower cost.\u003cbr /\u003e\n\u003cbr /\u003e\nResponding to this demand, the industry began exploring exponential technologies, creating more intelligent workflows, and starting to selectively leverage business and market platforms. For example, electrical utilities were looking ahead to meet new challenges, like:\u003c/p\u003e\n\n\u003cul\u003e\n\t\u003cli\u003eReducing cost-to-serve by 10 to 20 percent\u003c/li\u003e\n\t\u003cli\u003eMaintaining grid performance while new and more distributed energy resources are connected to the grid, prosumers (those who both consume and produce energy) emerge, and the penetration of more intermittent renewable energy increases everywhere\u003c/li\u003e\n\t\u003cli\u003eMitigating increasing cyber-risks.\u003c/li\u003e\n\u003c/ul\u003e\n\n\u003cp\u003e\u003cstrong\u003eThe COVID-19 situation\u003c/strong\u003e\u003cbr /\u003e\n\u003cbr /\u003e\nThen the pandemic struck. Today, we are isolated, yet connected. We videoconference with colleagues all day. We do the same with friends and family in the evening. We want to hear good news. We need to feel safe. We worry for those around us who put their lives at risk for the well-being of others.\u003cbr /\u003e\n\u003cbr /\u003e\nAnd all along, utilities have delivered. The industry was prepared. Electricity and water continue to flow. Gas heats myriad homes. But all is not well. Operationally, the industry might be in excellent shape, but moving forward, it will face unprecedented economic challenges.\u003cbr /\u003e\n\u003cbr /\u003e\nElectricity demand is declining between 10 and 30 percent, because the commercial and industrial sectors are at a standstill. Simultaneously, the residential segment\u0026mdash;each of us\u0026mdash;is consuming more. The decrease in demand is met by a drop in oil and gas prices, driving electricity market prices in some parts of Europe to USD 20 per megawatt hour (MWh).\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eThe industry\u0026rsquo;s COVID-19 response\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eAmid this crisis, utilities are working tirelessly to fulfill the world\u0026rsquo;s expectations: to provide safe, affordable and reliable power, gas, and water to their customers, despite COVID-19-related challenges. In the next 30 to 60 days, they will be attending to the following critical activities:\u0026nbsp;\u003cbr /\u003e\n\u003cbr /\u003e\n\u003cstrong\u003eAddressing escalating cybersecurity threats:\u003c/strong\u003e\u003cem\u003e \u003c/em\u003eA skeleton staff of critical resources likely remains on-site, practicing social distancing, but much of the workforce and supply chain is now remote, putting traditional security controls to the test. This means utilities must work smarter to handle increasing cybersecurity demands, protect critical infrastructures and build out utilities\u0026#39; security, resiliency and continuity plans (\u003ca href=\"https://ibm.co/utilitiesiiot\"\u003esee our industry study\u003c/a\u003e). Adaptability and innovation of security and risk practices are imperative.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eMaintaining resilient contact centers\u003c/strong\u003e: COVID-19 is driving high call volumes to contact centers in all industries, including utilities. Customers may have questions about service requests, power outages and, most importantly, bill payment concerns.\u003c/p\u003e\n\n\u003cp\u003eMany utilities are also struggling with call center work-from-home options and have limited capabilities to serve customers through digital channels. Using a chatbot, such as \u003ca href=\"https://www.ibm.com/watson/covid-response\"\u003eWatson\u0026trade; Assistant\u003c/a\u003e, can drive automation of many customer inquiries. With a cloud-based, self-service customer engagement platform, utilities can manage call volume while enabling customer service agents to work from home.\u003cbr /\u003e\n\u003cbr /\u003e\n\u003cstrong\u003eAssisting utility customers with financial hardship\u003c/strong\u003e:\u003cem\u003e\u0026nbsp;\u003c/em\u003eMany customers must balance who and how much they can pay in the wake of COVID-19-induced financial hardship. Necessities like water, gas, and electricity services are going unpaid just when people need them most. Utilities are inundated with customer calls and requests for assistance.\u003c/p\u003e\n\n\u003cp\u003eAI and advanced analytics can identify customers at risk of missing payment, enabling utilities to proactively roll out programs to communicate with these customers about bills. Utilities can then quickly and efficiently deliver financial assistance to those most in need.\u003cbr /\u003e\n\u003cbr /\u003e\n\u003cstrong\u003eMinimizing outage risks and optimizing workforce resources:\u003c/strong\u003e\u003cem\u003e \u003c/em\u003eWe must keep our lights on and our hospitals running, so utilities must continue to perform the mission-critical work of responding to outages and emergencies\u0026mdash;all while sizable portions of their field crew may be sick or under quarantine.\u0026nbsp;\u003c/p\u003e\n\n\u003cp\u003eIt is possible to delay maintenance and prioritize tasks that can be performed by a lone worker, but in large outage scenarios, deferred restoration is not an option. This can be mitigated by monitoring incoming weather, analyzing the risk of vegetation contact with conductors, estimating the health of an asset to withstand the upcoming storm type, and predicting the damage it will cause. Utilities can mobilize the right staffing levels at the right times and optimize the use of their limited resources.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eThe post-COVID-19 world\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eAs we move out of the pandemic, energy suppliers will experience real tension on revenue cycles, cash management, and brand perception. Regulators are likely to increase network efficiency and performance targets, and pressure will continue to mount on non-competitive types of generation.\u003cbr /\u003e\n\u003cbr /\u003e\nDespite a difficult economic context, the global call to decarbonize will continue; deviations from decarbonization or NetZero emissions targets will be unacceptable.\u003cbr /\u003e\n\u003cbr /\u003e\nThe way forward into this new world is for utilities to continue on the road to transformation they were traveling prior to COVID-19. That means:\u003c/p\u003e\n\n\u003cul\u003e\n\t\u003cli\u003eIntegrating more renewable energy by using more distributed and granular sources of flexibility (such as batteries).\u003c/li\u003e\n\t\u003cli\u003eUsing artificial intelligence (AI) in the relationships with customers, improving service levels, and reducing cost-to-serve.\u003c/li\u003e\n\t\u003cli\u003eCombining multiple technologies to optimize the performance of assets, from turbines to transformers.\u003c/li\u003e\n\t\u003cli\u003eRe-architecting information technology to enable faster change, incorporate new combinations of information and actors, and increase asset observability.\u003c/li\u003e\n\t\u003cli\u003eEvolving cybersecurity frameworks to be strong and impenetrable.\u003c/li\u003e\n\u003c/ul\u003e\n\n\u003cp\u003eNevertheless, they must be cognizant of the new economic, social and political context. If cost-to-serve has to be reduced by 40 percent, instead of 20 percent, if the network total expense has to be reduced further, while expanding the grid\u0026#39;s capabilities, the industry must consider how to make it possible.\u003c/p\u003e\n\n\u003cp\u003eFor the short run, utilities will have to quickly and thoroughly analyze their cash flow projections and ROIs, and in an even more open and collaborative model, find optimization models that are quick to implement.\u0026nbsp;\u003cbr /\u003e\n\u003cbr /\u003e\nMore companies will find themselves considering extended industry business platforms, outsourcing non-core activities, pursuing functional automation with embedded AI, and establishing long-term strategic partnerships to deal with a radically changed field of play.\u003cbr /\u003e\n\u003cbr /\u003e\nLonger term, the environmental impacts observed during the pandemic will likely lead regulators to support accelerated change. Some utilities will harness technology to introduce new business models and process platforms with greater speed. Simultaneously, utilities will have the opportunity to ask regulators to support the cloud, AI, blockchain, and other advanced technologies to sustain the favorable environmental changes we\u0026rsquo;ve seen.\u003c/p\u003e\n\n\u003cp\u003eIt\u0026rsquo;s a lot. So, utilities should embrace innovation with partners outside their traditional value chain.\u0026nbsp;\u003cbr /\u003e\n\u003cbr /\u003e\nFor their part, governments and regulators need to set clear rules and stable frameworks that allow new innovative business models, and all players must find a common way forward: accelerated\u0026shy;\u0026mdash;and radical\u0026mdash;innovation. That innovation will be powered by cloud-based platforms, new data, AI, and a more powerful partnership among consumers, businesses and governments.\u003c/p\u003e\n\n\u003cp\u003eTo support our clients, IBM has developed best practices and recommendations for actions to take now and after the pandemic. Click \u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/report/covid-19\"\u003ehere\u003c/a\u003e to access our COVID-19 Action Guide and related resources.\u003cbr /\u003e\n\u0026nbsp;\u003c/p\u003e\n","approved":true,"image_alt":"Technology can help utilities care for customers and combat COVID-19","thumbnail_alt":"Technology can help utilities care for customers and combat COVID-19","hideRelatedBlogs":false,"createdAt":"2020-05-07T20:05:22.488Z","updatedAt":"2022-03-06T10:21:21.546Z","author":[{"id":447,"name":"Ricardo Klatovsky","email":"ricardo.klatovsky@es.ibm.com","twitter":"","facebook":"","linkedin":"https://www.linkedin.com/in/ricardo-klatovsky-7939115/","featured":false,"priority":0,"title":"Global Sales and Engagement Vice President, Environment, Energy, and Utilities (EE\u0026U) industry, IBM","image_alt":"Ricardo Klatovsky","place_of_employment":"","bio":"","createdAt":"2020-05-07T20:19:05.453Z","updatedAt":"2021-08-05T19:41:57.149Z","image":{"id":1563,"name":"2fD_9SYYPChuOZcNMyD8SCOD","alternativeText":null,"caption":null,"width":null,"height":null,"formats":null,"hash":"72975953e5b447299f5ac0bba5658551","ext":".png","mime":"image/png","size":283.06,"url":"/thought-leadership/institute-business-value/uploads/en/72975953e5b447299f5ac0bba5658551.png","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2020-05-07T20:23:43.713Z","updatedAt":"2020-05-07T20:23:43.727Z"}}],"image":{"id":7537,"name":"fe01888708d14133bc37c9687b17f777.webp","alternativeText":null,"caption":null,"width":2000,"height":500,"formats":null,"hash":"fe01888708d14133bc37c9687b17f777_188adc84ce","ext":".webp","mime":"image/webp","size":258.75,"url":"/thought-leadership/institute-business-value/uploads/en/fe01888708d14133bc37c9687b17f777_188adc84ce","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:21:21.319Z","updatedAt":"2022-03-06T10:21:21.487Z"},"thumbnail":{"id":6058,"name":"eb1d1d4ed51b4bb1856936084b3bfae8.webp","alternativeText":null,"caption":null,"width":729,"height":359,"formats":null,"hash":"eb1d1d4ed51b4bb1856936084b3bfae8_e79751b161","ext":".webp","mime":"image/webp","size":85.53,"url":"/thought-leadership/institute-business-value/uploads/en/eb1d1d4ed51b4bb1856936084b3bfae8_e79751b161","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:21:09.752Z","updatedAt":"2022-03-06T10:21:09.961Z"},"mlinks":{"id":75,"prompt":"covid-19-category","offer1":"In a global crisis, the right solutions can help you navigate uncertainty, adapt to changing conditions and become more resilient.","action1":"Business solutions for COVID-19 disruption","link1":"https://www.ibm.com/impact/covid-19/business-solutions","offer2":"Work safe, work smart, and guard the health, safety and productivity of your people in a changing workplace.","action2":"Watson Works","link2":"https://www.ibm.com/watson/watson-works","offer3":"Get the latest IBM insights, updates and offerings, 24/7.","action3":"IBM response to COVID-19","link3":"https://www.ibm.com/thought-leadership/covid19","locale":"en-us","createdAt":"2020-03-23T14:09:07.432Z","updatedAt":"2022-09-07T21:29:34.173Z"},"assets":[]},{"id":55,"slug":"covid-19-healthcare-ireland","title":"Using technology to help healthcare cope with crises","subtitle":"","date":"2020-05-07T12:00:00.000Z","blurb":"Businesses need to think about the model of care, re-examine how we do healthcare delivery, look for new ways of managing patients, enable care co-ordination and population health, and how technology can be an enabler.\n","content":"\u003cp\u003eLike many of you during this period of crisis and uncertainty, I have found that staying apart has, in many ways, brought us closer together. This is especially true for my family and friends, where evenings and weekends are spent checking in, catching up, and planning our next virtual social gathering. It has made me try harder to connect, to listen, and be patient as virtual conversations across an intergenerational family setting are just different.\u003c/p\u003e\n\n\u003cdiv class=\"ckeditor-html5-video\" data-responsive=\"true\"\u003e\n\u003cvideo controls=\"controls\" controlslist=\"nodownload\" poster=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/f42afa46c273421c8aaa44a89a989b75.jpg\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/f6a25fa71e3e4f188220a0776a3c3d1c.mp4\" style=\"max-width: 100%; height: auto;\" width=\"700\"\u003e\u0026nbsp;\u003c/video\u003e\n\u003c/div\u003e\n\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\n\n\u003cp\u003eAfter several weeks of lockdown, it has also reinforced my belief in community and an increased awareness of the vulnerable in our midst, be that because of social isolation, frailty or an underlying health condition (both physical and mental). In this short time span of a lockdown, it is clear that people are concerned for themselves and others, listening to public health officials and changing their behaviors. These concerns surface in most conversations: \u0026ldquo;How are you?\u0026rdquo; \u0026ldquo;Did you go out?\u0026rdquo; \u0026ldquo;Is everyone keeping well?\u0026rdquo; and \u0026ldquo;Stay safe.\u0026rdquo; This was recently brought into sharp focus when a close family member had to attend an emergency department (ED) for a non-COVID-19 issue after a virtual referral by the General Practitioner (GP). Many family members were concerned: was it a safe environment? It was.\u003c/p\u003e\n\n\u003cp\u003eSpeaking to my family member afterwards, it became clear that the ED was nearly empty, and the wards were quiet as they awaited \u0026ldquo;the surge.\u0026rdquo; \u0026nbsp;Even Ireland\u0026rsquo;s Chief Medical Officer, Dr. Tony Holohan, who also had to attend an ED for a non-COVID-19 issue, \u003ca href=\"https://www.irishpost.com/news/chief-medical-officer-worried-empty-beds-waiting-rooms-irish-hospitals-182852\"\u003ecommented afterward on his brief treatment\u003c/a\u003e, \u0026ldquo;I would (also) like to highlight a worrying scene I witnessed during my visit to hospital on Tuesday evening; empty waiting rooms and empty beds. While protecting yourself from COVID-19 is a priority, no one should ignore signs that they may need medical attention for other ailments such as lumps, chest pain or other concerns. Please do not ignore any symptom outside of COVID-19. The hospitals are there for all ailments, not just COVID-19.\u0026rdquo;\u003c/p\u003e\n\n\u003cp\u003ePrior to COVID-19, this would have been unheard of in Ireland, where a key issue in our most recent general election was the number of people waiting for admission from an ED and the capacity of our hospitals. In January, there were \u003ca href=\"https://www.irishtimes.com/news/health/first-week-of-2020-worst-ever-for-hospital-overcrowding-1.4135852\"\u003e760 patients a day\u003c/a\u003e awaiting admission from ED. Fast forward to the empty waiting rooms that Dr. Holohan experienced in April. Similar profiles exist across Europe. For example, visits to ED from UK citizens with heart attack symptoms have \u003ca href=\"https://www.thetimes.co.uk/article/coronavirus-fears-for-the-patients-shunning-a-e-djppc62tl\"\u003edropped by almost half\u003c/a\u003e.\u003c/p\u003e\n\n\u003cp\u003eSo, as we try and manage this crisis, IBM is supporting businesses to think about the model of care, re-examine how we do healthcare delivery, look for new ways of managing patients, enable care co-ordination and population health, and how technology can be an enabler.\u003c/p\u003e\n\n\u003cp\u003eIf you examine \u003ca href=\"http://pic.twitter.com/YF7bif5PeK\"\u003ethe graphic\u003c/a\u003e below that illustrates the impact of COVID-19 on healthcare delivery, you can see a number of \u0026ldquo;waves\u0026rdquo; affecting the healthcare system and its capacity. To address the first wave, we have seen the reconfiguration of existing capacity, field hospitals and step-down facilities in hotels. But we also see normal hospital-centric care reduced, which will lead to waves two and three. We need to \u0026ldquo;flatten\u0026rdquo; these curves, too.\u003c/p\u003e\n\n\u003cp\u003e\u003cimg alt=\"\" height=\"514\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/5665aff5a7fb49a7bcf034903dd54ece.jpg\" width=\"670\" /\u003e\u003c/p\u003e\n\n\u003cp\u003eAn initial step should be using chatbot technology to engage with citizens, both to assess and reassure them around how health providers can meet their needs. IBM has been working with a number of health services across Europe to \u003ca href=\"http://www.thehtn.co.uk/2020/04/02/nhs-wales-to-implement-ibm-watson-covid-19-virtual-assistant/\"\u003eimplement virtual assistants\u003c/a\u003e which use natural language processing capabilities and AI to understand how to respond to common COVID-19-related questions.\u003c/p\u003e\n\n\u003cp\u003eA similar approach should be used to assess, direct and intervene appropriately for deferred elective treatments and effectively manage chronic diseases. Managing deferred elective treatments will be tied to the slow release of hospitals\u0026rsquo; capacity, re-design or re-designation of patient flow across a network and prioritising clinical need. Payers and providers must now invest in cloud-based analytical capabilities that can help drive that action. For example, in Switzerland, \u003ca href=\"https://www.ibm.com/watson-health/about/explorys\"\u003ea triage tool\u003c/a\u003e is being developed that individuals or clinicians can use to assess risk levels and recommend next steps for patients who are self-isolating. It differs from other self-diagnostic tools in that it is based on actual data from tens of thousands of patients, so it is not rules-based, and it can take into account co-morbidities when assessing risk.\u003c/p\u003e\n\n\u003cp\u003eFinally, to enhance appropriate community-based interventions, providers need to put in place a community care solution which can help coordinate the work of a range of care givers (community nurses, nursing home support staff and potentially GPs) outside of the acute system. As we all focus on minimising contact, this type of solution enables the sharing of data related to individuals in real-time without face-to-face contact between carers and helps appropriate action happen quickly.\u0026nbsp;\u003c/p\u003e\n\n\u003cp\u003eThe dramatic impact of COVID-19 on the healthcare system has been profound and the world is playing catch-up with the virus. However, we must not just take action to address the current health crisis, but also its ripple effect over the medium term. So, this is a call-to-action to payers, providers and health systems to look beyond the terrible reality of the day to day. We each must continue to do what we can, follow the guidelines and take time to connect each day. Personally, I connect with two additional individuals that I have not recently spoken to just to ask how they are. I also continue to volunteer and contribute to the global response, lending my assistance to a national support group looking at social capital, resiliency, and our inherent storytelling creativity in Ireland to support wellness. All stakeholders should continue to build long-term capacity to cope with the impact of COVID-19.\u003c/p\u003e\n\n\u003cp\u003eTo support our clients, IBM has developed best practices and recommendations for actions to take now and after the pandemic. Click \u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/report/covid-19\"\u003ehere\u003c/a\u003e to access our COVID-19 Action Guide and related resources.\u003c/p\u003e\n","approved":true,"image_alt":"Using technology to bolster healthcare’s capacity to cope with crises","thumbnail_alt":"Using technology to bolster healthcare’s capacity to cope with crises","hideRelatedBlogs":false,"createdAt":"2020-05-08T03:06:22.254Z","updatedAt":"2022-03-06T10:21:21.482Z","author":[{"id":332,"name":"Kevin McGowan","email":"KEVINGOW@ie.ibm.com","twitter":"","facebook":"","linkedin":"https://www.linkedin.com/in/kevinmcgowan/","featured":false,"priority":0,"title":"IBM Ireland Healthcare Strategy and Integration Executive","image_alt":"Kevin McGowan","place_of_employment":"","bio":"","createdAt":"2020-05-08T03:19:01.468Z","updatedAt":"2020-05-08T03:31:21.011Z","image":{"id":1978,"name":"pzj2ufysgaUg3-i82LLzXXip","alternativeText":null,"caption":null,"width":null,"height":null,"formats":null,"hash":"28b0d0a809ac43c09c14c0ca6391dd8d","ext":".jpg","mime":"image/jpeg","size":22.04,"url":"/thought-leadership/institute-business-value/uploads/en/28b0d0a809ac43c09c14c0ca6391dd8d.jpg","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2020-05-08T03:31:05.813Z","updatedAt":"2020-05-08T03:31:05.825Z"}}],"image":{"id":7214,"name":"382289d15f874733b3c81413efa8ecd2.webp","alternativeText":null,"caption":null,"width":2000,"height":500,"formats":null,"hash":"382289d15f874733b3c81413efa8ecd2_b5b90fa84c","ext":".webp","mime":"image/webp","size":40.21,"url":"/thought-leadership/institute-business-value/uploads/en/382289d15f874733b3c81413efa8ecd2_b5b90fa84c","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:21:21.240Z","updatedAt":"2022-03-06T10:21:21.441Z"},"thumbnail":{"id":7143,"name":"2505d2b4a4c64404a56388756b8fc7c1.webp","alternativeText":null,"caption":null,"width":729,"height":359,"formats":null,"hash":"2505d2b4a4c64404a56388756b8fc7c1_e220d65583","ext":".webp","mime":"image/webp","size":20.78,"url":"/thought-leadership/institute-business-value/uploads/en/2505d2b4a4c64404a56388756b8fc7c1_e220d65583","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:21:09.755Z","updatedAt":"2022-03-06T10:21:09.963Z"},"mlinks":{"id":75,"prompt":"covid-19-category","offer1":"In a global crisis, the right solutions can help you navigate uncertainty, adapt to changing conditions and become more resilient.","action1":"Business solutions for COVID-19 disruption","link1":"https://www.ibm.com/impact/covid-19/business-solutions","offer2":"Work safe, work smart, and guard the health, safety and productivity of your people in a changing workplace.","action2":"Watson Works","link2":"https://www.ibm.com/watson/watson-works","offer3":"Get the latest IBM insights, updates and offerings, 24/7.","action3":"IBM response to COVID-19","link3":"https://www.ibm.com/thought-leadership/covid19","locale":"en-us","createdAt":"2020-03-23T14:09:07.432Z","updatedAt":"2022-09-07T21:29:34.173Z"},"assets":[]},{"id":58,"slug":"covid-19-insurance","title":"Insurers address COVID-19 while transforming for a post-pandemic future","subtitle":"","date":"2020-05-06T12:00:00.000Z","blurb":"The insurance industry, if we can take advantage of these new risk offerings, can help prepare the world for risks that are like COVID-19, as well as risks that aren't—an essential function for our future.\n","content":"\u003cp\u003eAmid COVID-19, insurers around the world are facing both direct and indirect impacts to their business that will reverberate through the industry for a long time to come.\u003c/p\u003e\n\n\u003cp\u003eInsurers are experiencing pressure on their workforce, with insurance workers and distributors in lockdown. They are also dealing with books of business with impact from higher mortality and contractual coverage disputes, and market environments where risk is top-of-mind, but buying insurance from an agent is not.\u003c/p\u003e\n\n\u003cdiv class=\"ckeditor-html5-video\" data-responsive=\"true\"\u003e\n\u003cvideo controls=\"controls\" poster=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/72a75a1a918540b3b7ddb2b42c69673f.jpg\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/14821f833ce34e9285f0983800546ebd.mp4\" style=\"height:auto; max-width:100%\" width=\"700\"\u003e\u0026nbsp;\u003c/video\u003e\n\u003c/div\u003e\n\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\n\n\u003cp\u003eAt the same time, the insurance industry is feeling the effects of fundamental changes in the broader business and social environments in which they operate. Economic and political responses to COVID-19 have varied widely, with different lockdown and quarantine rules for different populations and businesses. Almost all populations, however, have rapidly seen significant changes in day-to-day life and in financial stability. Their customers\u0026rsquo; major changes to work and life interactions, combined with significant global economic disruption, are not only affecting business today, but will likely result in permanent changes to the economic and cultural landscape even after COVID-19 is brought under control.\u003c/p\u003e\n\n\u003cp\u003eIn the short term, our insurance clients need to:\u003c/p\u003e\n\n\u003cul\u003e\n\t\u003cli\u003eSupport their workforce as they shift to work remotely, with new technology needs in applications, security, and networking, and cultural needs like workforce support and process changes\u003c/li\u003e\n\t\u003cli\u003eFind ways to connect and serve their customers in a remote environment, handling the stress on voice customer engagement channels and on direct digital interaction and advice\u003c/li\u003e\n\t\u003cli\u003eAddress their financial pressures related to the potential for increased reserving and claims, uncertain investment returns, and low prospects for short-term sales to fill those gaps\u003c/li\u003e\n\t\u003cli\u003eAccount for increased volume of claims and benefits discussions, and likely increases in questions, disputes, and eventual litigation.\u003c/li\u003e\n\u003c/ul\u003e\n\n\u003cp\u003e\u003cstrong\u003eThe bigger insurance picture\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eMany insurance companies are structured in a poor interaction model, considering today\u0026#39;s environment. They sell a policy that is complex and intangible, often with significant back-and-forth around underwriting and contract terms. They charge increasing premiums over time for a product that most buyers do not interface with frequently. And when something bad happens to the buyer\u0026mdash;like a worldwide pandemic and financial collapse\u0026mdash;contractual disputes are initiated surrounding contract terms.\u003c/p\u003e\n\n\u003cp\u003eClearly, neither those processes, nor traditional insurance products and their distribution channel mix, fit well in this new COVID-19 world. They are too reliant on a long sales process involving sales techniques that will have difficulty adapting to digital interaction. And the products themselves do not fit a world where apps can be downloaded for small sums and insurers can provide new products directly through other industries, such as travel insurance embedded within an airline website. Insurers will need a new toolkit.\u003c/p\u003e\n\n\u003cp\u003eInsurers, in fairness, know they need to change their model. However, they remain saddled with legacy systems\u0026rsquo; inflexibility and high cost. Their sales and servicing model is labor-intensive in many cases as a result, and building new risk products and services is cumbersome and slow. Improving insurance products and services will require resolving this technical debt, in an environment where insurers themselves may be under financial pressure.\u003c/p\u003e\n\n\u003cp\u003e\u003cimg alt=\"\" height=\"342\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/2833e7946407424a965a04424da88023.jpg\" width=\"770\" /\u003e\u003c/p\u003e\n\n\u003cp\u003eThese pressures will accelerate a separation of insurers, and insurtechs looking to disrupt them, into clearer divisions. Differences in insurer investment strategy now will become magnified post-COVID-19. This divergence will reward leading insurance innovators that can operate across the risk product and service spectrum. It will also penalize severely those that fall behind.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eRe-engineering for the post-COVID-19 insurance future\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eTo survive and thrive amid COVID-19 and beyond, insurers need to prepare and invest in the following areas:\u003c/p\u003e\n\n\u003col\u003e\n\t\u003cli\u003e\u003cstrong\u003eStabilize\u003c/strong\u003e. Change will be challenging until basic operations and financial position are brought under control. Building the systems for long-term remote operations and arms-length insurance interactions with customers will be essential. Insurers will also need to respond to financial pressures with low-hanging IT cost reduction, simple digital channel augmentation, and AI-powered automation and assistance tools to improve underwriting and claims throughput and quality. Clients are working with us today on workforce enablement, claims automation, and digital assistance tools.\u003c/li\u003e\n\t\u003cli\u003e\u003cstrong\u003eBuild resilience. \u003c/strong\u003eMovement of core operational systems to a more consolidated, cloud-based set of services can add flexibility to insurance product models while reducing costs. Cloud-based API frameworks can speed implementation of new risk partnerships and enable insurance as a service. Insurers will look to create this resilience while maintaining security, monitoring, compliance, and scalability, and avoiding needless lock-in. Clients are working with us to build and institute insurance-specific cloud offerings, including deployment of our input management solution in a COVID-19 context.\u003c/li\u003e\n\t\u003cli\u003e\u003cstrong\u003eStride forward.\u003c/strong\u003e In the post COVID-19 world, insurers will need digital tools that are adapted for this new age. Insurers must easily build and adapt digital interactions and integration with other industries via microproducts, AI-tailored advice, value-added service ecosystems, and holistic risk solutions. The firms that achieve this will be positioned not only to capture insurance market share, but to expand into entirely new markets and business models. Our forward-thinking clients are building new combined product/service risk offerings today to solve challenges ranging from eldercare and driving improvement to supplier resiliency.\u003c/li\u003e\n\u003c/ol\u003e\n\n\u003cp\u003eInsurers, like all of us, are working incredibly hard to address the impact of a major world threat in COVID-19. Balancing short-term actions with plans for the longer-term COVID-19 future will better position insurers to offer relevant risk products, services, and advice. The insurance industry, if we can take advantage of these new risk offerings, can help prepare the world for risks that are like COVID-19, as well as risks that aren\u0026#39;t\u0026mdash;an essential function for our future.\u003c/p\u003e\n\n\u003cp\u003eTo support our clients, IBM has developed best practices and recommendations for actions to take now and after the pandemic. Click \u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/report/covid-19\"\u003ehere\u003c/a\u003e to access our COVID-19 Action Guide and related resources.\u003c/p\u003e\n","approved":true,"image_alt":"","thumbnail_alt":"","hideRelatedBlogs":false,"createdAt":"2020-05-06T22:03:19.948Z","updatedAt":"2022-03-06T10:21:21.307Z","author":[{"id":235,"name":"Mark McLaughlin","email":"mmclau@us.ibm.com","twitter":"https://www.twitter.com/@McLMark","facebook":"","linkedin":"https://www.linkedin.com/in/mclmark/","featured":false,"priority":0,"title":"Director, Financial Services Industry, Insurance, IBM","image_alt":"Mark McLaughlin","place_of_employment":"","bio":"","createdAt":"2018-12-01T12:32:53.829Z","updatedAt":"2024-10-02T13:19:30.099Z","image":{"id":1977,"name":"_U5IhcvNacIQ9kdcmvwzfJU6","alternativeText":null,"caption":null,"width":null,"height":null,"formats":null,"hash":"b80a04709b444c16b5bda9f3ae6ff889","ext":".jpg","mime":"image/jpeg","size":51.46,"url":"/thought-leadership/institute-business-value/uploads/en/b80a04709b444c16b5bda9f3ae6ff889.jpg","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2020-05-07T01:01:28.108Z","updatedAt":"2020-05-07T01:01:28.120Z"}}],"image":{"id":7318,"name":"bf7b695e24da4ae6b8b3e1753b476381.webp","alternativeText":null,"caption":null,"width":2000,"height":500,"formats":null,"hash":"bf7b695e24da4ae6b8b3e1753b476381_0e0bf68a99","ext":".webp","mime":"image/webp","size":83.17,"url":"/thought-leadership/institute-business-value/uploads/en/bf7b695e24da4ae6b8b3e1753b476381_0e0bf68a99","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:21:21.027Z","updatedAt":"2022-03-06T10:21:21.193Z"},"thumbnail":{"id":6055,"name":"3eb9c314916e436faed09539f4976999.webp","alternativeText":null,"caption":null,"width":729,"height":359,"formats":null,"hash":"3eb9c314916e436faed09539f4976999_6de13804df","ext":".webp","mime":"image/webp","size":31.3,"url":"/thought-leadership/institute-business-value/uploads/en/3eb9c314916e436faed09539f4976999_6de13804df","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:21:08.132Z","updatedAt":"2022-03-06T10:21:08.353Z"},"mlinks":{"id":75,"prompt":"covid-19-category","offer1":"In a global crisis, the right solutions can help you navigate uncertainty, adapt to changing conditions and become more resilient.","action1":"Business solutions for COVID-19 disruption","link1":"https://www.ibm.com/impact/covid-19/business-solutions","offer2":"Work safe, work smart, and guard the health, safety and productivity of your people in a changing workplace.","action2":"Watson Works","link2":"https://www.ibm.com/watson/watson-works","offer3":"Get the latest IBM insights, updates and offerings, 24/7.","action3":"IBM response to COVID-19","link3":"https://www.ibm.com/thought-leadership/covid19","locale":"en-us","createdAt":"2020-03-23T14:09:07.432Z","updatedAt":"2022-09-07T21:29:34.173Z"},"assets":[]},{"id":60,"slug":"covid-19-healthcare-australia","title":"The pandemic is pushing Australian healthcare to innovate beyond traditional barriers ","subtitle":"","date":"2020-05-01T12:00:00.000Z","blurb":"The use of supercomputing in the quest to solve health challenges is being proven during the search for COVID-19 solutions.\n","content":"\u003cp\u003eIn Australia, there has been a slow increase in the number of COVID-19 cases\u0026mdash;this is something we had been expecting with some trepidation. As a clinician, it is stressful for me to hear that COVID-19 appears to have had different impacts in different countries, \u0026nbsp;although we all share the challenge of increased demand on limited healthcare resources. The Australian healthcare industry is bracing itself for this spike in demand, not knowing when or if the number of COVID-19 cases will escalate to a point that our health system is in crisis.\u003c/p\u003e\n\n\u003cdiv class=\"ckeditor-html5-video\" data-responsive=\"true\"\u003e\n\u003cvideo controls=\"controls\" controlslist=\"nodownload\" poster=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/b0dd8afbb98c44d89dd9a50acda9c671.jpg\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/b2a8d408a1584299b2d68b6a52a03324.mp4\" style=\"max-width: 100%; height: auto;\" width=\"700\"\u003e\u0026nbsp;\u003c/video\u003e\n\u003c/div\u003e\n\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eIndustry perspective \u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eIn Australia and New Zealand, the impact of COVID-19 has been over an extended period. Being so close to China, we\u0026rsquo;ve been aware of a major threat from the potential spread across the region since late January 2020.\u003c/p\u003e\n\n\u003cp\u003eThe first changes came within medical research with a focus on efforts to understand the coronavirus, and look to treatments and, eventually, a vaccine. The Peter Doherty Institute for Infection and Immunity (Doherty Institute) in Melbourne successfully \u003ca href=\"https://www.doherty.edu.au/news-events/news/coronavirus\"\u003egrew the 2019 novel coronavirus (COVID-19)\u003c/a\u003e for the first time outside China. This was provided to the World Health Organization, which made it available to expert laboratories around the world.\u003c/p\u003e\n\n\u003cp\u003eHealth services and healthcare professionals are now looking at building capacity to cope with the increasing number of COVID-19 cases. In Australia, the available ICU beds and our ability to increase them is being assessed and it is considered that \u003ca href=\"https://www.mja.com.au/journal/2020/surge-capacity-australian-intensive-care-units-associated-covid-19-admissions\"\u003ethe current baseline of 2,378 beds will need to be greater than 4,000\u003c/a\u003e. To further extend the availability of ICU beds, there has been government support to manufacture ventilators onshore similar to other countries, such as the US.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eResponding to COVID-19 \u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eSeveral examples, in which the measures to improve our capacity during the COVID-19 crisis, are shaping our industry for the future:\u003c/p\u003e\n\n\u003cul\u003e\n\t\u003cli\u003eThe introduction of telehealth as a standard approach to medical consults\u0026mdash;with rebates for all medical practitioner services\u0026mdash;has seen adoption by general practitioners (GPs) and medical specialists across the board. In this way, they can continue consulting whilst limiting their risk of exposure to COVID-19. Telehealth has been limited in use until now. This crisis has pushed an aspirational delivery model to the forefront as almost the only manner in which medical practitioners are delivering services today.\u003c/li\u003e\n\t\u003cli\u003eThe use of data and AI to help develop a clinical decision support dashboard,\u003cstrong\u003e \u003c/strong\u003eis allowing intensivists to more effectively assess patients on entry and whilst in ICU and help ensure they can give the most effective care. This project has required global engagement with data from other countries underpinning the algorithms development and supporting the data analysis. This approach will reshape our industry with clinicians both collaborating and re-evaluating the value of tools like AI, in order to deliver insights.\u003c/li\u003e\n\t\u003cli\u003eLack of trained health professionals, in particular nursing staff, has spurred the introduction of programs for upskilling. One program trains general nurses for working in intensive care to build up a sufficient workforce for ICUs. The acceptance that online training programs can adequately upskill nurses for more specialized roles will open up new opportunities for healthcare professionals.\u003c/li\u003e\n\t\u003cli\u003eThe impact to our supply chain for critical healthcare supplies has now reshaped our view of sourcing strategies. To fill the gaps, governments are supporting onshore manufacturers to restart manufacturing in Australia. Some of the examples are personalized protection equipment (PPE) and invasive mechanical ventilators. Much of these have been sourced offshore; however, COVID-19 has made it apparent we need to have reliability and continuity for supply for the end-to-end health system.\u003c/li\u003e\n\t\u003cli\u003eIBM is supporting a health organization using a solution called Enhanced Contact Tracing (ECT) to support discovery of COVID-19 case contacts. An immense amount of time and resources is involved in the existing manual process of contact tracing analysis of exposed COVID-19 patients. Collecting, transcribing, and analyzing the data can\u0026#39;t scale with the growth curve of a pandemic. ECT is able to significantly enhance the analysts\u0026rsquo; capabilities of pandemic-related analysis through the use of a cognitive solution that has traditionally been used in an \u0026ldquo;all-source\u0026rdquo; intelligence capacity. The key challenge in this type of analysis is the ability to minimize the time requirement and increase the accuracy of identification to flatten the exposure curve.\u003c/li\u003e\n\u003c/ul\u003e\n\n\u003cp\u003eThe new normal for the healthcare industry will see more digital communications, better use of data, employing tools such as AI to derive insights, and more leverage of compute power to underpin our research efforts.\u003c/p\u003e\n\n\u003cp\u003eThe consumer has been ready for digital communications with health professionals, but providers have been reluctant to change their delivery models. COVID-19 has forced the profession to adopt telehealth as routine consultation methodology to protect both them and their patients from COVID-19. This will prove to the GPs and specialists that this is an effective method and can improve their capability to serve.\u003c/p\u003e\n\n\u003cp\u003eCOVID-19 has also pushed our health systems to their limits, and this experience will leave systems looking to have insights to better manage both services and clinical practice. Data as a resource and AI as a necessary tool to gain insights will inform both health service operations and clinical practices in the future. Operational management will be the first to look to adopting optimization and automation tools to underpin its services. Clinicians will follow in addressing the shortcomings of the current systems by harnessing data to gain insights for their practices.\u003c/p\u003e\n\n\u003cp\u003eLastly, medical research has been at the front, looking at translating research into medical practice. The use of supercomputing in the quest to solve health challenges is being proven during the search for COVID-19 solutions. The underpinning capability of compute power to support and super-charge their research activities will be a core capability for success.\u003c/p\u003e\n\n\u003cp\u003eIn Australia and New Zealand, we have yet to see the full impact of COVID-19. The question for the healthcare system is, \u0026ldquo;Have we done enough?\u0026rdquo; It is now clear how pivotal our healthcare systems are to the health of our population AND as a plank to a healthy economy\u0026mdash;something many had seemingly forgotten.\u003c/p\u003e\n\n\u003cp\u003eTo support our clients, IBM has developed best practices and recommendations for actions to take now and after the pandemic. Click \u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/report/covid-19\"\u003ehere\u003c/a\u003e to access our COVID-19 Action Guide and related resources.\u003c/p\u003e\n","approved":true,"image_alt":"Doctor looking at x-ray","thumbnail_alt":"Doctor looking at x-ray","hideRelatedBlogs":false,"createdAt":"2020-05-01T20:02:05.190Z","updatedAt":"2022-03-06T10:21:03.016Z","author":[{"id":617,"name":"Annette Hicks","email":"annhicks@au1.ibm.com","twitter":"","facebook":"","linkedin":"https://www.linkedin.com/in/annette-hicks-0593687/","featured":false,"priority":0,"title":"Senior Health Advisor, IBM Watson Health","image_alt":"Annette Hicks","place_of_employment":"","bio":"","createdAt":"2020-05-01T20:06:13.205Z","updatedAt":"2020-05-01T21:22:59.994Z","image":{"id":1662,"name":"YCIDiPWpKb3mXDFRtAhPpBgf","alternativeText":null,"caption":null,"width":null,"height":null,"formats":null,"hash":"9e55ab2722e7446f99d4843bd7349887","ext":".jpg","mime":"image/jpeg","size":36.36,"url":"/thought-leadership/institute-business-value/uploads/en/9e55ab2722e7446f99d4843bd7349887.jpg","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2020-05-01T21:21:42.477Z","updatedAt":"2020-05-01T21:21:42.493Z"}}],"image":{"id":6360,"name":"7d8b6595de1d4ac49e639e7e0dcbf837.webp","alternativeText":null,"caption":null,"width":2000,"height":500,"formats":null,"hash":"7d8b6595de1d4ac49e639e7e0dcbf837_65fcdc9bf9","ext":".webp","mime":"image/webp","size":39.02,"url":"/thought-leadership/institute-business-value/uploads/en/7d8b6595de1d4ac49e639e7e0dcbf837_65fcdc9bf9","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:21:02.950Z","updatedAt":"2022-03-06T10:21:03.000Z"},"thumbnail":{"id":6466,"name":"1b4249e514d24c109b5a020aee174358.webp","alternativeText":null,"caption":null,"width":728,"height":358,"formats":null,"hash":"1b4249e514d24c109b5a020aee174358_81a548962d","ext":".webp","mime":"image/webp","size":11.51,"url":"/thought-leadership/institute-business-value/uploads/en/1b4249e514d24c109b5a020aee174358_81a548962d","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:20:53.690Z","updatedAt":"2022-03-06T10:20:53.829Z"},"mlinks":{"id":75,"prompt":"covid-19-category","offer1":"In a global crisis, the right solutions can help you navigate uncertainty, adapt to changing conditions and become more resilient.","action1":"Business solutions for COVID-19 disruption","link1":"https://www.ibm.com/impact/covid-19/business-solutions","offer2":"Work safe, work smart, and guard the health, safety and productivity of your people in a changing workplace.","action2":"Watson Works","link2":"https://www.ibm.com/watson/watson-works","offer3":"Get the latest IBM insights, updates and offerings, 24/7.","action3":"IBM response to COVID-19","link3":"https://www.ibm.com/thought-leadership/covid19","locale":"en-us","createdAt":"2020-03-23T14:09:07.432Z","updatedAt":"2022-09-07T21:29:34.173Z"},"assets":[]},{"id":54,"slug":"covid-19-healthcare-response","title":"Supporting healthcare’s response to COVID-19","subtitle":"","date":"2020-04-29T12:00:00.000Z","blurb":"The virus has challenged our global and national infrastructures, preparedness, and despite advances, overwhelmed our clinical and scientific communities. IBM is helping healthcare organizations fight back.\n","content":"\u003cp\u003eLike it has for many of us, the COVID-19 pandemic has had a profound impact on me and those around me. On a personal level, my family and I are fortunate that we have the luxury of working from home for the most part. We have made the best of \u0026ldquo;social distancing\u0026rdquo; by keeping physical distance from others and doubling down on remaining socially connected. Our children, who are now in their 20s and staying with us, are once again enjoying family game nights and movie nights\u0026mdash;which is certainly a silver lining for all of us. My boys are making the best of virtual college classes, and my daughter is working remotely, and maintaining connections to co-workers and clients early in her career. Of course, learning how to live together again, share bandwidth and avoid becoming socially isolated is essential. Many families across the globe have been physically, financially and mentally ravaged by this pandemic, and my hope is that we will all be okay in time.\u003c/p\u003e\n\n\u003cdiv class=\"ckeditor-html5-video\" data-responsive=\"true\"\u003e\n\u003cvideo controls=\"controls\" poster=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/08a19446e5cc4afb9694e6801cde7d4b.jpg\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/a24b36da91ea4a0eab22f6d755ea2953.mp4\" style=\"height:auto; max-width:100%\" width=\"700\"\u003e\u0026nbsp;\u003c/video\u003e\n\u003c/div\u003e\n\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\n\n\u003cp\u003eMany of us will mark important milestones during this public health crisis. This year marks my 25\u003csup\u003eth\u003c/sup\u003e year since graduating medical school (we connected virtually), joining the Cleveland Clinic as an Internal Medicine specialist (part-time since focusing on health IT and informatics), and leaving Chicago to call the Cleveland area my home. As a physician, I can\u0026rsquo;t help but think about COVID-19 from a biological, clinical, and epidemiological perspective: a microscopic novel virus that has challenged our global and national infrastructures, preparedness, and despite advances, overwhelmed our clinical and scientific communities. I worry about my colleagues at the Cleveland Clinic, friends and classmates across the country, and family members who are on the front-line, essential to fighting this epidemic. Many of us in clinical roles who are not currently on the front lines may wonder: Am I where I need to be?\u003c/p\u003e\n\n\u003cp\u003eFive years ago this month (in April 2015), IBM acquired Explorys, a health big-data analytics company that I co-founded. Overnight, I became an IBMer and embarked on a journey where I focused on the importance of data and insights, analytics and AI, as well as people and policy. The talent, technology and assets that IBM continues to bring together\u0026mdash;combined with the raw talent and knowledge of IBM in the healthcare and life sciences space\u0026mdash;have provided a very rewarding sandbox for many of us focused on research and innovation.\u003c/p\u003e\n\n\u003cp\u003eI have been honored to be part of a team where we have built solutions and services that have helped providers impact hundreds and thousands of patients through our population health solutions and decision support. Our technology has helped enable radiologists and oncologists in their practices, along with helping life science companies strive to meet their business objectives. Our solutions have been used by employers and health plans to help manage health benefits. We\u0026rsquo;ve delivered technology to government agencies to help them manage social programs and engage citizens.\u003c/p\u003e\n\n\u003cp\u003eOur clients across the health ecosystem are essential to our health and welfare, and they play an important role in helping to address this pandemic. So when we asked ourselves how \u003ca href=\"https://www.ibm.com/thought-leadership/covid19/\"\u003eIBM can help address COVID-19\u003c/a\u003e, it was no surprise that we were able to respond and identify ways that our technology, solutions and services can offer help to those entities working to combat the pandemic. IBM is a founding member of a \u003ca href=\"https://covid19-hpc-consortium.org/\"\u003ehigh-performance computing consortium\u003c/a\u003e providing resources for various projects. We were able to rapidly assemble our data and knowledge assets, analytics, and AI experience, and make some of our tools and services available at no cost.\u003c/p\u003e\n\n\u003cp\u003eQualified researchers can potentially accelerate their discovery process with AI. IBM can help support their efforts by making COVID-19 open research data sets (CORD-19) more usable, providing \u003ca href=\"https://covid19-mol.mybluemix.net/\"\u003emolecular explorer\u003c/a\u003e tools to study potential drug targets, and offering \u003ca href=\"https://s2s-omxware.us-south.containers.appdomain.cloud/landing\"\u003egenomics\u003c/a\u003e that are critical in understanding this novel virus.\u003c/p\u003e\n\n\u003cp\u003eWhile we await those discoveries, we have made available to front-line clinicians \u003ca href=\"https://www.dynamedex.com/coming-soon/\"\u003eDynaMed and Micromedex with Watson\u003c/a\u003e\u003cu\u003e,\u003c/u\u003e which is designed to help them spend more time caring for their patients and less time hunting for guidance on therapeutics and conditions related to COVID-19.\u003c/p\u003e\n\n\u003cp\u003eFinally, to help support a well-informed public, we have invested in tools that enable communities to deploy \u003ca href=\"https://www.ibm.com/watson/covid-response\"\u003econversational AI\u003c/a\u003e to address citizens\u0026rsquo; most pressing concerns during this time. To help provide transparency into the local impact of the pandemic, we have aggregated and made COVID-19 specific data available in \u003ca href=\"https://weather.com/coronavirus\"\u003eThe Weather Channel\u003c/a\u003e app.\u003c/p\u003e\n\n\u003cp\u003eOf course, we have been working with our health ecosystem clients on their transformation journeys for many years and it is quite gratifying when \u003ca href=\"https://www.ibm.com/blogs/watson-health/covid-19-screening-and-triage/\"\u003eDesert Sage Health Centers\u003c/a\u003e used those principles to create a drive-through clinic in days to support their community. So, whether for those fighting at the bench, boardroom, or at the bedside, or for those who depend on them, what we do at IBM is indeed essential.\u003c/p\u003e\n\n\u003cp\u003eStay well, and if you\u0026rsquo;d like to know more, please contact me or read our \u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/report/covid-19-action-guide\"\u003eCOVID-19 Action Guide\u003c/a\u003e.\u003c/p\u003e\n","approved":true,"image_alt":"doctor and microscope","thumbnail_alt":"doctor and microscope","hideRelatedBlogs":false,"createdAt":"2020-04-30T01:36:59.828Z","updatedAt":"2022-03-06T10:21:21.433Z","author":[{"id":614,"name":"Anil Jain, M.D.","email":"anil@us.ibm.com","twitter":"","facebook":"","linkedin":"https://linkedin.com/in/aniljainmd/","featured":false,"priority":0,"title":"Vice President and Chief Health Informatics Officer, IBM Watson Health","image_alt":"","place_of_employment":"","bio":"","createdAt":"2019-11-15T02:23:35.467Z","updatedAt":"2022-08-18T20:57:43.465Z","image":{"id":1623,"name":"fn1Vh1g2RSNNuAtKjc_FaEdi","alternativeText":null,"caption":null,"width":null,"height":null,"formats":null,"hash":"4fe45fb37a154b55829ed0b75259e0dd","ext":".jpg","mime":"image/jpeg","size":36.94,"url":"/thought-leadership/institute-business-value/uploads/en/4fe45fb37a154b55829ed0b75259e0dd.jpg","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2020-04-30T02:04:49.580Z","updatedAt":"2020-04-30T02:04:49.592Z"}}],"image":{"id":7319,"name":"71a5119dd77e4b03af93a833ab66a9e1.webp","alternativeText":null,"caption":null,"width":2000,"height":500,"formats":null,"hash":"71a5119dd77e4b03af93a833ab66a9e1_f1fce2f52f","ext":".webp","mime":"image/webp","size":32.64,"url":"/thought-leadership/institute-business-value/uploads/en/71a5119dd77e4b03af93a833ab66a9e1_f1fce2f52f","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:21:21.063Z","updatedAt":"2022-03-06T10:21:21.378Z"},"thumbnail":{"id":6057,"name":"f9647b380dba41a98711a0f0041e2f4f.webp","alternativeText":null,"caption":null,"width":729,"height":359,"formats":null,"hash":"f9647b380dba41a98711a0f0041e2f4f_2afaf485b2","ext":".webp","mime":"image/webp","size":19.29,"url":"/thought-leadership/institute-business-value/uploads/en/f9647b380dba41a98711a0f0041e2f4f_2afaf485b2","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:21:08.143Z","updatedAt":"2022-03-06T10:21:08.395Z"},"mlinks":{"id":75,"prompt":"covid-19-category","offer1":"In a global crisis, the right solutions can help you navigate uncertainty, adapt to changing conditions and become more resilient.","action1":"Business solutions for COVID-19 disruption","link1":"https://www.ibm.com/impact/covid-19/business-solutions","offer2":"Work safe, work smart, and guard the health, safety and productivity of your people in a changing workplace.","action2":"Watson Works","link2":"https://www.ibm.com/watson/watson-works","offer3":"Get the latest IBM insights, updates and offerings, 24/7.","action3":"IBM response to COVID-19","link3":"https://www.ibm.com/thought-leadership/covid19","locale":"en-us","createdAt":"2020-03-23T14:09:07.432Z","updatedAt":"2022-09-07T21:29:34.173Z"},"assets":[]},{"id":45,"slug":"covid-19-media-and-entertainment","title":"COVID-19 spurs media and entertainment companies to transform","subtitle":"","date":"2020-04-27T12:00:00.000Z","blurb":"The media and entertainment (M\u0026E) companies that can adjust quickly to the new realities of a post COVID-19 world will be the ones best positioned to thrive as the economy recovers.\n","content":"\u003cp\u003eThe media and entertainment (M\u0026amp;E) industry, which has provided us all with so much comfort during this time of sheltering in place, will never be the same again. Companies that can adjust quickly to the new realities of a post COVID-19 world will be the ones best positioned to thrive as the economy recovers.\u003c/p\u003e\n\n\u003cp\u003eThe industry is experiencing \u003ca href=\"https://www.newsweek.com/hollywood-takes-economic-beating-covid-19-1494920\"\u003ea crisis like never before\u003c/a\u003e. The pandemic has forced entertainment companies to \u0026ldquo;pause\u0026rdquo; their business. Theme parks, movie theaters and other venues are closed. As of right now, Broadway is dark until June. Many sporting events, such as the European Football League, NBA, MLB, Masters Golf, Wimbledon, and the Olympics, have been cancelled or postponed. And production (except for news and weather) is on hiatus, which means no new TV shows and movies are being made. Many companies are showing re-runs of classic sporting events and other programming.\u003c/p\u003e\n\n\u003cdiv class=\"ckeditor-html5-video\" data-responsive=\"true\"\u003e\n\u003cvideo controls=\"controls\" controlslist=\"nodownload\" poster=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/f191b66760664f7792dbd9f74bc765ba.jpg\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/1fd442d03aab4add82fa6ac7f1c8722d.mp4\" style=\"max-width: 100%; height: auto;\" width=\"670\"\u003e\u0026nbsp;\u003c/video\u003e\n\u003c/div\u003e\n\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\n\n\u003cp\u003eThe financial and human impact is profound. In the US, \u003ca href=\"https://www.statista.com/chart/21341/jobs-cut-us-monthy-report/\"\u003e37 percent (approx. 83,000)\u003c/a\u003e of the March job losses due to COVID-19 were in the entertainment industry. Disney is facing a potential \u003ca href=\"https://www.ocregister.com/2020/03/27/disney-faces-3-4-billion-coronavirus-one-two-punch-at-u-s-theme-parks-analysts-warn/\"\u003eUSD 3.4 billion revenue loss\u003c/a\u003e to its theme park business alone. According to ad firm MediaRadar, the pandemic could cause approximately \u003ca href=\"https://www.cnbc.com/2020/04/03/coronavirus-could-cause-1-billion-loss-for-nba-nhl-and-mlb-broadcasters.html\"\u003eUSD 1 billion in lost advertising\u003c/a\u003e for broadcasters of the top three US pro-sports leagues (NBA, NHL and MLB). And if the NFL season is delayed or cancelled later this year, data shows \u003ca href=\"https://www.cnbc.com/2020/04/03/coronavirus-could-cause-1-billion-loss-for-nba-nhl-and-mlb-broadcasters.html\"\u003elosses of up to USD 6 billion\u003c/a\u003e from 3,000 advertisers.\u003c/p\u003e\n\n\u003cp\u003eHowever, there are some bright spots. Consumers are returning to trusted media brands in news. Local news and broadcasting are attracting new viewers and have become the medium of choice for information. Nielsen viewership data indicates \u003ca href=\"https://www.nielsen.com/us/en/insights/article/2020/in-the-new-normal-of-covid-19-local-tv-news-proves-to-be-the-medium-of-choice-for-news-and-information/\"\u003ea 10 percent spike\u003c/a\u003e in year-to-year growth in the coveted 25- to 54-year-old market. A window of opportunity has been created for broadcasters and news organizations to capture a new group of loyal audiences.\u003c/p\u003e\n\n\u003cp\u003eAs people stay home and are social distancing, in-home entertainment is becoming more important. Disney recently signed \u003ca href=\"https://www.nytimes.com/2020/04/08/business/disney-plus-50-million-subscribers.html\"\u003eover 50 million subscribers in only five months\u003c/a\u003e for its streaming service Disney Plus\u0026mdash;far ahead of analysts\u0026rsquo; predictions that it would take until 2022 to reach those numbers. We are also seeing innovative virtual events, such as the iHeart Living Room Concert for America hosted by Elton John, which attracted 8.7 million viewers, according to Nielsen ratings.\u003c/p\u003e\n\n\u003cp\u003eIn other examples of flexibility and ingenuity, studios are eliminating theater-to-digital release windows for some movies, like \u003cem\u003eThe Invisible Man\u003c/em\u003e. And eSports is quickly becoming mainstream. According to Zach Lavine, Chicago Bulls point guard, \u0026ldquo;It\u0026rsquo;s pretty much the only thing that people are allowed to be competitive with.\u0026rdquo; NBA fans who are missing their favorite athletes can watch them compete in the \u003ca href=\"https://nba.2k.com/en-US/\"\u003eNBA 2k Players Tournament\u003c/a\u003e live, complete with banter on ESPN. Other sports leagues like \u003ca href=\"https://f1esports.com/\"\u003eFormula 1\u003c/a\u003e are also creating eSports experiences, such as virtual racing.\u003c/p\u003e\n\n\u003cp\u003eSo, what is the path forward? Although it has been hit hard, this industry is familiar with disruption. Apple disrupted the music industry by changing the way we consume music. Netflix disrupted the motion picture industry in similar fashion. Companies must adopt a disruptive approach to the post-COVID-19 world, developing or expanding three important capabilities:\u003c/p\u003e\n\n\u003cul\u003e\n\t\u003cli\u003e\u003cstrong\u003eDigital with agility: \u003c/strong\u003eThe entertainment venue of choice right now is in the home\u0026mdash;a trend that was building prior to the pandemic. I expect that COVID-19 is a watershed event, and that the in-home entertainment trend will continue even stronger after the crisis passes. So, for some to survive, an accelerated shift to digital is essential as in-home entertainment becomes the main growth engine. That means creating new digital and mobile services and revenue streams\u0026mdash;for example, by digging deep into studio archives and creating original digital content and services using existing material. Speed and agility are important here: the digital world is an environment of constant change, where new experiences are offered up all the time. Audiences expect it.\u003c/li\u003e\n\u003c/ul\u003e\n\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\n\n\u003cul\u003e\n\t\u003cli\u003e\u003cstrong\u003eSmarter operations: \u003c/strong\u003eTo accomplish this, the industry must transform business processes into a data- and digitally driven operating model. At the same time, it must aggressively reduce operating expenses to compensate for expected losses in traditional entertainment and to invest in new in-home entertainment services. Both can be accomplished by smarter operations and intelligent workflows based on automation, AI and cloud. A modern back office will empower the professionals who are creating the new digital services to innovate and deploy quickly.\u003c/li\u003e\n\u003c/ul\u003e\n\n\u003cp style=\"margin-left:48px\"\u003e\u0026nbsp;\u003c/p\u003e\n\n\u003cul\u003e\n\t\u003cli\u003e\u003cstrong\u003eDeep consumer engagement: \u003c/strong\u003eFinally, many must move beyond their traditional \u0026ldquo;one-to-many \u0026ldquo;comfort zone and start building personalized platforms and capabilities. As we come out of this crisis, society will continue to look for entertainment to relieve us of the daily grind and reconnect us to our families and friends. Now is the time to engage with consumers to re-capture their advocacy, time and wallet share.\u003c/li\u003e\n\u003c/ul\u003e\n\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\n\n\u003cp\u003eThese actions will not only allow M\u0026amp;E companies to survive this crisis, but also position them well for the next generation of exponential technologies, such as AR/VR, 5G and NextGen TV that will impact our industry in the longer-term.\u003c/p\u003e\n\n\u003cp\u003eEntertainment has been a fabric of our society from the beginning. It brings joy to our lives by diverting our attention from our demanding lives. It brings our families and friends together. COVID-19 will most definitely transform the industry landscape. However, if they move quickly to transform, entertainment companies will survive and will remain essential to our society.\u003c/p\u003e\n\n\u003cp\u003eIBM continues to innovate with our clients to deliver the new data-driven digital and cloud enabled business processes required\u0026mdash;for example, \u003ca href=\"https://www.ibm.com/case-studies/fox-sports-aspera\"\u003eour work with Fox Sports\u003c/a\u003e on remote sports production. To support our clients, IBM has developed best practices and recommendations for actions to take now and after the pandemic. Click \u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/report/covid-19\"\u003ehere\u003c/a\u003e to access our COVID-19 Action Guide and related resources.\u003c/p\u003e\n","approved":true,"image_alt":"","thumbnail_alt":"","hideRelatedBlogs":false,"createdAt":"2020-04-27T08:44:58.249Z","updatedAt":"2022-03-06T10:21:21.309Z","author":[{"id":346,"name":"Janet Snowdon","email":"jsnowdon@us.ibm.com","twitter":"","facebook":"","linkedin":"https://www.linkedin.com/in/janet-snowdon-b160769/","featured":false,"priority":0,"title":"Director, IBM Media and Entertainment (M\u0026E) Industry Solutions","image_alt":"Janet Snowdon","place_of_employment":"","bio":"","createdAt":"2019-08-21T23:17:55.533Z","updatedAt":"2020-04-27T09:04:48.294Z","image":{"id":1454,"name":"saSAqGe1FQwemwfxMD5Ba2Z1","alternativeText":null,"caption":null,"width":null,"height":null,"formats":null,"hash":"a8ae2863766645e196d0e9f0e95f04a6","ext":".jpg","mime":"image/jpeg","size":7.98,"url":"/thought-leadership/institute-business-value/uploads/en/a8ae2863766645e196d0e9f0e95f04a6.jpg","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2020-04-27T09:04:26.417Z","updatedAt":"2020-04-27T09:04:26.428Z"}}],"image":{"id":7211,"name":"3840cdb0bba64aa29f4e5204532bb6a4.webp","alternativeText":null,"caption":null,"width":2000,"height":758,"formats":null,"hash":"3840cdb0bba64aa29f4e5204532bb6a4_405bb2bd24","ext":".webp","mime":"image/webp","size":74.82,"url":"/thought-leadership/institute-business-value/uploads/en/3840cdb0bba64aa29f4e5204532bb6a4_405bb2bd24","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:21:21.002Z","updatedAt":"2022-03-06T10:21:21.179Z"},"thumbnail":{"id":6417,"name":"6aa5af48d55a4d4699ae2a6e264f10b3.webp","alternativeText":null,"caption":null,"width":729,"height":359,"formats":null,"hash":"6aa5af48d55a4d4699ae2a6e264f10b3_29ea1a4a0d","ext":".webp","mime":"image/webp","size":23,"url":"/thought-leadership/institute-business-value/uploads/en/6aa5af48d55a4d4699ae2a6e264f10b3_29ea1a4a0d","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:21:08.084Z","updatedAt":"2022-03-06T10:21:08.392Z"},"mlinks":{"id":75,"prompt":"covid-19-category","offer1":"In a global crisis, the right solutions can help you navigate uncertainty, adapt to changing conditions and become more resilient.","action1":"Business solutions for COVID-19 disruption","link1":"https://www.ibm.com/impact/covid-19/business-solutions","offer2":"Work safe, work smart, and guard the health, safety and productivity of your people in a changing workplace.","action2":"Watson Works","link2":"https://www.ibm.com/watson/watson-works","offer3":"Get the latest IBM insights, updates and offerings, 24/7.","action3":"IBM response to COVID-19","link3":"https://www.ibm.com/thought-leadership/covid19","locale":"en-us","createdAt":"2020-03-23T14:09:07.432Z","updatedAt":"2022-09-07T21:29:34.173Z"},"assets":[]},{"id":13,"slug":"covid-19-posts","title":"Posts must collaborate in new ways to weather COVID-19","subtitle":"","date":"2020-04-22T12:00:00.000Z","blurb":"COVID-19 has and will continue to have a devastating financial effect on the world’s posts. At the same time, posts have significant roles to play in the response and recovery effort.\n","content":"\u003cp\u003eThe effects of \u003ca href=\"https://www.who.int/emergencies/diseases/novel-coronavirus-2019\"\u003eCOVID-19\u003c/a\u003e will be significant for the global postal industry, and indeed the entire world. The essence of the challenges the world\u0026rsquo;s postal operators face is akin to that of other businesses affected by COVID-19: identify where the impacts will be felt; and determine how to respond.\u003c/p\u003e\n\n\u003cp\u003eCOVID-19 has and will continue to have a devastating financial effect on the world\u0026rsquo;s posts. At the same time, posts have significant roles to play in the response and recovery effort. However, these efforts will not be enough to offset the financial impacts of COVID-19.\u003c/p\u003e\n\n\u003cdiv class=\"ckeditor-html5-video\" data-responsive=\"true\"\u003e\n\u003cvideo controls=\"controls\" controlslist=\"nodownload\" poster=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/b97917be32f64a6386551a736375d73a.jpg\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/c03ea6dfd221413d96799d34ccc28d40.mp4\" style=\"max-width: 100%; height: auto;\" width=\"670\"\u003e\u0026nbsp;\u003c/video\u003e\n\u003c/div\u003e\n\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eTo respond to this global crisis, posts must do three things: \u003c/strong\u003e\u003c/p\u003e\n\n\u003col\u003e\n\t\u003cli\u003eTake a lead role in helping to accelerate the economic recovery after the COVID-19 situation stabilizes;\u003c/li\u003e\n\t\u003cli\u003eExpand collaboration with ecosystem partners to build redundancy in their supply chains; and\u003c/li\u003e\n\t\u003cli\u003eOffer the use of their vast, ubiquitous physical networks to play a larger role in response efforts.\u003c/li\u003e\n\u003c/ol\u003e\n\n\u003cp\u003ePosts with more diversified revenue models are better positioned than their peers to respond to the pandemic. Here in the US, the US Postal Service (USPS) still relies heavily upon traditional letter products, especially marketing mail. In FY2019, marketing mail accounted \u003ca href=\"https://about.usps.com/what/financials/annual-reports/fy2019.pdf\"\u003efor USD 16 billion in revenue\u003c/a\u003e and over half the total volume delivered. Unfortunately, history has shown these volumes are at significant risk in times of economic shock. The global financial crisis of 2008 was devastating to the global postal industry. That year, USPS delivered \u003ca href=\"http://content.time.com/time/business/article/0,8599,1870289,00.html\"\u003e9.5 billion fewer letters and packages\u003c/a\u003e than the year prior, the largest mail decline in history.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eThese effects will likely pale in comparison to COVID-19\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eOn April 9, USPS announced that as a result of the COVID-19 shock, it expects \u003ca href=\"https://www.nytimes.com/2020/04/09/us/politics/coronavirus-is-threatening-one-of-governments-steadiest-services-the-mail.html\"\u003ea USD 13 billion drop in revenue\u003c/a\u003e in FY2020 and an additional USD 54.3 billion in losses over the next 10 years. This is largely the result of changes in letter mail volumes for both large and small businesses. History shows that in times of economic decline, these volumes all but disappear. Posts cannot plan on them returning.\u003c/p\u003e\n\n\u003cp\u003eIn France, La Poste has already reduced the number of delivery days per week to \u003ca href=\"https://www.thelocal.fr/20200319/are-french-post-offices-and-banks-open-during-coronavirus-lockdown\"\u003ethree\u003c/a\u003e. Royal Mail in the UK has reduced service levels as a result of nearly \u003ca href=\"https://www.bbc.com/news/business-52243179\"\u003e20 percent of its staff being off work\u003c/a\u003e, either due to sickness or self-isolating.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eThere is reason for hope\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003ePosts have been affected by and responded to these kinds of economic shocks before. In 2005, in the aftermath of Hurricane Katrina, the USPS was designated as the deliverer of antibiotics as part of the \u003ca href=\"https://www.cdc.gov/cpr/readiness/mcm/cri.html\"\u003eCities Readiness Initiative\u003c/a\u003e (CRI). This program, managed by the \u003ca href=\"https://www.cdc.gov/\"\u003eCenters for Disease Control and Prevention (CDC)\u003c/a\u003e, increased bioterrorism preparedness across the US. USPS also delivered disaster relief checks and distributed absentee ballots during the 2006 election. These serve as examples of how posts can aid governments at different levels in these most difficult times.\u003c/p\u003e\n\n\u003cp\u003eCOVID-19 has revealed how increased globalization and shifting manufacturing out of country can amplify the detrimental effects to global supply chains. Posts need to consider a world of less globalized supply chains to build in redundancy for the future. They must test contingency plans and be ready to make quick decisions to move mail and packages in the face of mass flight cancellations of both commercial airlines and air cargo. They must plan to balance the trade-offs that include shifting volumes to slower transit modes, paying higher per kilogram rates, and reducing network visibility.\u003c/p\u003e\n\n\u003cp\u003eThis increased redundancy can also be utilized to offer innovative services to help individuals and businesses in difficult times. For example, USPS could expand small businesses access to its Electronic Verification System (EVS) mechanism to facilitate drop-off zones to better reach customers who are sheltering in place.\u003c/p\u003e\n\n\u003cp\u003ePosts should also use their physical networks of assets (such as trucks, buildings, and indeed, employees) to contribute to the recovery effort in innovative ways. In short, they need to work with traditional and non-traditional partners to identify the highest and best uses for their assets. In the US, the USPS has more than 200,000 delivery trucks and 31,000 retail locations. Letter carriers and truck drivers drove \u003ca href=\"https://facts.usps.com/size-and-scope/\"\u003e1.34 billion miles in 2019\u003c/a\u003e. Excess capacity should be offered to help move needed supplies and deliveries in local economies.\u003c/p\u003e\n\n\u003cp\u003eRegarding core postal services, current global quarantine measures are driving increased demand for package deliveries. \u0026nbsp;Companies like Amazon \u003ca href=\"https://www.reuters.com/article/us-healthcare-coronavirus-amazon-com/amazon-to-hire-100000-workers-as-online-orders-surge-on-virus-worries-idUSKBN2133LB\"\u003eare finding it difficult to support the surge\u003c/a\u003e. After quarantine ends and global production resumes, posts must be prepared for the potential \u0026ldquo;Bullwhip Effect,\u0026rdquo; \u003ca href=\"http://www.scdigest.com/ontarget/20-02-24_sheffi_on_supply_chain_coronavirus.php?cid=16380\"\u003eas described by MIT Logistics and Supply Chain Expert Yossi Sheffi\u003c/a\u003e, where sudden spikes in demand for cargo could exceed supply, causing bottlenecks throughout the global supply chain. Posts must be prepared for shortages in available air cargo and passenger underbelly capacity when manufacturing restarts. They must be prepared to scale up operations and delivery capacity in an environment that may already have insufficient capacity.\u003c/p\u003e\n\n\u003cp\u003ePosts must also consider what they can offer in non-core services to assist in the recovery. Broadening the network of partners is a start. The goal should be to identify roles that aid in the development of \u0026ldquo;smart cities\u0026rdquo; during quarantine, during the restart, and long after the COVID-19 crisis. Posts and governments must collaborate on how to best use and repurpose publicly owned assets to improve the quality of social services and develop entrepreneurial solutions. It is possible the world\u0026rsquo;s posts discover that the innovative partnerships formed during the pandemic may turn into new revenue streams after the world settles on a \u0026ldquo;new normal.\u0026rdquo;\u003c/p\u003e\n","approved":true,"image_alt":"postal service","thumbnail_alt":"postal service","hideRelatedBlogs":false,"createdAt":"2020-04-22T04:47:59.214Z","updatedAt":"2022-06-02T23:54:42.255Z","author":[{"id":593,"name":"Adam Houck","email":"ahouck@us.ibm.com","twitter":"","facebook":"","linkedin":"https://www.linkedin.com/in/adam-houck-6b24983/","featured":false,"priority":0,"title":"IBM Global Postal Practice Leader, Academy of Technology Leadership Team","image_alt":"Adam Houck","place_of_employment":"","bio":"","createdAt":"2020-04-22T04:53:38.481Z","updatedAt":"2022-06-02T10:45:48.722Z","image":{"id":1452,"name":"_5CknCEhz2BR3kHDBt3GMseY","alternativeText":null,"caption":null,"width":null,"height":null,"formats":null,"hash":"e801256a39304977a0dbc4fd98cd2861","ext":".jpg","mime":"image/jpeg","size":12.49,"url":"/thought-leadership/institute-business-value/uploads/en/e801256a39304977a0dbc4fd98cd2861.jpg","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2020-04-22T05:02:38.104Z","updatedAt":"2020-04-22T05:02:38.114Z"}}],"image":{"id":7041,"name":"46b2c663147741519c240c25f72f6762.webp","alternativeText":null,"caption":null,"width":2000,"height":500,"formats":null,"hash":"46b2c663147741519c240c25f72f6762_d0979f6b19","ext":".webp","mime":"image/webp","size":44.67,"url":"/thought-leadership/institute-business-value/uploads/en/46b2c663147741519c240c25f72f6762_d0979f6b19","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:21:14.813Z","updatedAt":"2022-03-06T10:21:14.966Z"},"thumbnail":{"id":6351,"name":"4e1b553fda2746259e554b3c728543cb.webp","alternativeText":null,"caption":null,"width":729,"height":359,"formats":null,"hash":"4e1b553fda2746259e554b3c728543cb_989928c5e5","ext":".webp","mime":"image/webp","size":23.42,"url":"/thought-leadership/institute-business-value/uploads/en/4e1b553fda2746259e554b3c728543cb_989928c5e5","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:20:54.493Z","updatedAt":"2022-03-06T10:20:54.549Z"},"mlinks":null,"assets":[]},{"id":41,"slug":"covid-19-life-sciences","title":"Life sciences innovates in a time-sensitive battle against COVID-19 ","subtitle":"","date":"2020-04-20T12:00:00.000Z","blurb":"All eyes are on the life sciences industry to help get life back to normal. To do that, life sciences companies will need to collaborate on a scale not imagined previously.\n","content":"\u003cp\u003eAs I write this blog, I\u0026rsquo;m looking outside my home office window onto a glorious spring afternoon. I\u0026rsquo;m venturing outside my home only occasionally, and I\u0026rsquo;m socially isolated.\u003c/p\u003e\n\n\u003cp\u003eStill, reflecting on these unprecedented times, I\u0026rsquo;m optimistic about our chances as a global community to tackle the threat that \u003ca href=\"https://www.who.int/emergencies/diseases/novel-coronavirus-2019\"\u003eCOVID-19\u003c/a\u003e poses to our way of life. All eyes are on the life sciences industry to help get life back to normal. To do that, life sciences companies will need to collaborate on a scale not imagined previously.\u003c/p\u003e\n\n\u003cdiv class=\"ckeditor-html5-video\" data-responsive=\"true\"\u003e\n\u003cvideo controls=\"controls\" controlslist=\"nodownload\" poster=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/325d50bdc84c403db573904c58ddb27f.jpg\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/08b9220013c14645b89c6af1602905bb.mp4\" style=\"max-width: 100%; height: auto;\" width=\"670\"\u003e\u0026nbsp;\u003c/video\u003e\n\u003c/div\u003e\n\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\n\n\u003cp\u003eThe industry has already responded to the current coronavirus threat by marshalling resources and doing what it does best: discovering drugs, developing them, and getting them ready for market. Multiple new products are now in the pipeline and being assessed for effectiveness.\u003c/p\u003e\n\n\u003cp\u003eRecent advances are aiding in the response. It used to take two to five years to develop a vaccine. Today, rapid vaccine development technologies should enable a vaccine to be ready in 12 months. And the industry is capable of creating scale manufacturing capacity for one billion doses, while assessing those doses for safety. Phase 1 and 2 trials are already planned for September with results projected for January, then initial scale manufacture for March, and scale production \u003ca href=\"https://uk.reuters.com/article/us-health-coronavirus-johnson-johnson/jj-u-s-government-plan-1-billion-doses-of-coronavirus-vaccine-idUKKBN21H1OY\"\u003eby June 2021\u003c/a\u003e.\u003c/p\u003e\n\n\u003cp\u003eNew and old technologies are being used to fight this coronavirus\u0026mdash;including live attenuated or inactivated vaccines, subunit vaccines, genetic vaccines, viral vector vaccines. Yesterday, we talked about new drugs curing cancers in previously unimagined ways. Today, grand science, in an extraordinary effort, is focused on vaccine development.\u003c/p\u003e\n\n\u003cp\u003eAs we recover from COVID-19, our response to this pandemic has taught us vital lessons about the intersection of data, science and technology. We have seen the importance of:\u003c/p\u003e\n\n\u003cul\u003e\n\t\u003cli\u003eCollaborating across the ecosystem, with friends and competitors alike, on a scale unimagined until now. Government, industry and universities are coming together across national borders to further research. On April 7, AstraZeneca, GSK, Cambridge University, and French clinical diagnostics company Novacyt \u003ca href=\"https://www.thepharmaletter.com/article/novacyt-joins-astrazeneca-and-gsk-in-uk-effort-on-covid-19-testing\"\u003eannounced a collaborative effort around testing\u003c/a\u003e.\u003cbr /\u003e\n\t\u0026nbsp;\u003c/li\u003e\n\t\u003cli\u003eBringing in more \u0026ldquo;big guns\u0026rdquo; and relying on high-performance computing and artificial intelligence (AI) to boost the chance of discovery. US Department of Energy\u0026rsquo;s Oak Ridge National Laboratory has deployed the world\u0026rsquo;s most powerful supercomputer, \u003ca href=\"https://newsroom.ibm.com/US-Dept-of-Energy-Brings-the-Worlds-Most-Powerful-Supercomputer-the-IBM-POWER9-based-Summit-Into-the-Fight-Against-COVID-19\"\u003ethe IBM-built Summit\u003c/a\u003e,\u0026nbsp;\u003ca href=\"https://newsroom.ibm.com/US-Dept-of-Energy-Brings-the-Worlds-Most-Powerful-Supercomputer-the-IBM-POWER9-based-Summit-Into-the-Fight-Against-COVID-19\" target=\"_blank\"\u003ein the fight against COVID-19.\u003c/a\u003e Researchers have been granted emergency computation time on Summit, using it to perform simulations with unprecedented speed. In just two days, Summit identified and studied 77 small-molecule drug potential compounds to combat COVID-19. That task, if using a traditional wet-lab approach, would normally have taken years.\u003cbr /\u003e\n\t\u0026nbsp;\u003c/li\u003e\n\t\u003cli\u003eCapturing data and using it. While a cure is being developed, the immediate challenge is to reduce and eliminate the number of cases in our communities. There is an answer to this challenge, and it is data\u0026mdash;or as has been highlighted in the media\u0026mdash;data related to testing and monitoring. In the town of V\u0026ograve;, Italy all residents were tested by researchers from the University of Padua and the Red Cross. Mass testing and selective isolation \u003ca href=\"https://www.theguardian.com/commentisfree/2020/mar/20/eradicated-coronavirus-mass-testing-covid-19-italy-vo\"\u003eeliminated COVID-19\u003c/a\u003e from the community of V\u0026ograve;.\u003c/li\u003e\n\u003c/ul\u003e\n\n\u003cp\u003eLearning these lessons are key to tackling this terrible disease and defeating it. Applying them in the future will help prevent new pandemics from emerging and promote a healthier future for us all.\u003c/p\u003e\n\n\u003cp\u003eTo support our clients, IBM has developed best practices and recommendations for actions to take now and after the pandemic. Click \u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/report/covid-19\"\u003ehere\u003c/a\u003e to access our COVID-19 Action Guide and related resources.\u003c/p\u003e\n\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\n","approved":true,"image_alt":"vaccine","thumbnail_alt":"vaccine","hideRelatedBlogs":false,"createdAt":"2020-04-20T19:44:57.167Z","updatedAt":"2022-03-06T10:21:21.361Z","author":[{"id":371,"name":"Andrew Fried","email":"AFried@uk.ibm.com","twitter":"","facebook":"","linkedin":"https://www.linkedin.com/in/andrew-fried-b879a/","featured":false,"priority":0,"title":"IBM Healthcare and Life Sciences Industry Leader, Europe","image_alt":"Andrew Fried","place_of_employment":"","bio":"","createdAt":"2020-04-20T19:55:03.399Z","updatedAt":"2020-04-20T20:13:06.380Z","image":{"id":1723,"name":"ck06nBtWwW_Qmw0fOz-ZoJUD","alternativeText":null,"caption":null,"width":null,"height":null,"formats":null,"hash":"6917adc159e34dd890f14a907d66b01f","ext":".jpg","mime":"image/jpeg","size":55.69,"url":"/thought-leadership/institute-business-value/uploads/en/6917adc159e34dd890f14a907d66b01f.jpg","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2020-04-20T20:12:44.533Z","updatedAt":"2020-04-20T20:12:44.560Z"}}],"image":{"id":7212,"name":"c661e9529d9749e38cf97dd66ed4397f.webp","alternativeText":null,"caption":null,"width":2000,"height":500,"formats":null,"hash":"c661e9529d9749e38cf97dd66ed4397f_617cf5587b","ext":".webp","mime":"image/webp","size":27.13,"url":"/thought-leadership/institute-business-value/uploads/en/c661e9529d9749e38cf97dd66ed4397f_617cf5587b","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:21:21.030Z","updatedAt":"2022-03-06T10:21:21.288Z"},"thumbnail":{"id":6924,"name":"ce9be366026349c3b6ba7fd24793193d.webp","alternativeText":null,"caption":null,"width":729,"height":359,"formats":null,"hash":"ce9be366026349c3b6ba7fd24793193d_ae92b31210","ext":".webp","mime":"image/webp","size":12.36,"url":"/thought-leadership/institute-business-value/uploads/en/ce9be366026349c3b6ba7fd24793193d_ae92b31210","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:21:08.082Z","updatedAt":"2022-03-06T10:21:08.346Z"},"mlinks":{"id":302,"prompt":"life-sciences","offer1":"We provide customers with the technology and expertise they need to power thriving organizations, support vibrant communities, and solve health challenges.","action1":"Life science soutions ","link1":"https://www.ibm.com/industries/lifesciences","offer2":"Cognitive computing leverages big data to shorten the time to identify new drugs and repurpose current drugs for better healthcare.","action2":"Watson Drug Discovery","link2":"https://www.ibm.com/products/watson-drug-discovery","offer3":"Your trusted business and technology partner for digital transformation.","action3":"IBM Consulting","link3":"https://www.ibm.com/consulting","locale":"en-us","createdAt":"2019-06-26T20:39:07.587Z","updatedAt":"2022-05-26T23:41:58.191Z"},"assets":[]},{"id":44,"slug":"covid-19-automotive","title":"Digital transformation is the automotive industry’s road to recovery","subtitle":"","date":"2020-04-17T12:00:00.000Z","blurb":"Industry leaders are most anxious about the inability to know how long this situation will last, how it may reshape the industry, and what the lasting effects will be.\n","content":"\u003cp\u003eEven before \u003ca href=\"https://www.who.int/emergencies/diseases/novel-coronavirus-2019\"\u003eCOVID-19\u003c/a\u003e, the automotive industry had its share of challenges. Sales were down in many markets. Huge investments in electrification, autonomous driving and digital were hurting revenue and profitability.\u003c/p\u003e\n\n\u003cp\u003eThe coronavirus pandemic turned those challenges into a crisis. Global vehicle sales have stalled, production facilities have been shuttered, and many supply chains have ground to a halt. Total vehicle sales in China \u003ca href=\"https://www.bloomberg.com/news/articles/2020-03-04/china-car-sales-drop-a-record-80-as-virus-adds-to-industry-woes\"\u003edropped 80 percent\u003c/a\u003e for the month of February. Factory shutdowns in Europe created \u003ca href=\"https://www.bloomberg.com/news/articles/2020-03-04/china-car-sales-drop-a-record-80-as-virus-adds-to-industry-woes\"\u003eproduction losses of more than 1.9 million vehicles\u003c/a\u003e through March, \u003ca href=\"https://www.acea.be/news/article/interactive-map-employment-impact-of-covid-19-on-the-european-auto-industry\"\u003eaffecting 1.1 million jobs\u003c/a\u003e. And global supply chains are being hampered by supplier shutdowns, border closings. and the curtailed operations of logistics service providers.\u003c/p\u003e\n\n\u003cdiv class=\"ckeditor-html5-video\" data-responsive=\"true\"\u003e\n\u003cvideo controls=\"controls\" poster=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/27a03ebae2b14e7f8048e87b6a81b563.jpg\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/d0f9e35baeb646128c6880b19605d691.mp4\" style=\"height:auto; max-width:100%\" width=\"660\"\u003e\u0026nbsp;\u003c/video\u003e\n\u003c/div\u003e\n\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\n\n\u003cp\u003eOn a more positive note, we are already seeing signs of recovery as the COVID-19 risk is declining in China. March vehicle sales in China increased by 22 percent over February. Chinese original equipment manufacturers (OEMs) and suppliers are ramping up production. And there are increased investments in digital footprints in manufacturing. OEMs in other parts of the world are offering incentives to drive sales: \u0026nbsp;lease payment deferrals; interest-free financing; and job loss vehicle buy-back programs to mitigate consumer risk.\u0026nbsp;\u003cbr /\u003e\n\u003cbr /\u003e\nHistory tells us the automotive industry will very likely recover, and the winners will probably become stronger and more focused. According to a report from IBM,\u0026nbsp;\u0026ldquo;\u003ca href=\"https://c212.net/c/link/?t=0\u0026amp;l=en\u0026amp;o=2575909-1\u0026amp;h=1862363080\u0026amp;u=https%3A%2F%2Fwww.ibm.com%2Fthought-leadership%2Finstitute-business-value%2Freport%2Fauto-2030\u0026amp;a=Automotive+2030%3A+Racing+toward+a+digital+future\" target=\"_blank\"\u003eAutomotive 2030: Racing toward a digital future\u003c/a\u003e,\u0026rdquo;\u0026nbsp;half of surveyed automotive executives say that to succeed\u0026mdash;or even survive\u0026mdash;in the next ten years, they need to reinvent their organizations with digital technologies, supported by data. In fact, 83 percent of those respondents say they understand the strategic value of data in their industry. We expect the crisis to force automotive companies to accelerate their existing transition to digital sales, connected vehicles, and autonomous driving. This crisis could jeopardize the future of companies that have been slow to start the digital journey.\u003c/p\u003e\n\n\u003cp\u003eThe immediate challenges are daunting. Companies have had to enable employees to work from home, and keep critical processes and systems operating remotely.\u003c/p\u003e\n\n\u003cp\u003eAcross the world ,OEMs and suppliers are retooling their plants to produce medical equipment and personal protection equipment (PPE), and helping to distribute supplies necessary to avert deaths. In the US, Ford and GM are making ventilators and PPE surgical gear. Ford has plans to produce \u003ca href=\"https://news.yahoo.com/ford-50-000-ventilators-next-205626836.html\"\u003e50,000 ventilators in 100 days\u003c/a\u003e. Mahindra in India has embarked on a similar effort\u0026mdash;with the caveat that it wants to build personal ventilators with a USD 100 target price.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eLooking to the future\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eIndustry leaders are most anxious about the inability to know how long this situation will last, how it may reshape the industry, and what the lasting effects will be.\u003c/p\u003e\n\n\u003cp\u003eFrom a consumer perspective, will the sharing economy lose traction as people re-evaluate using someone else\u0026rsquo;s property? For travel, will consumers prefer personal vehicles over public transport (such as trains, buses, or ride sharing)\u0026mdash;which, in turn, \u0026nbsp;would increase traffic congestion? \u0026nbsp;\u003c/p\u003e\n\n\u003cp\u003eThe global auto industry could see benefits from a relaxation of regulations as governments try to revive national economies. In addition, the slump in crude oil consumption is driving lower gasoline prices which then could generate more sales of SUVs and small trucks\u0026mdash;the industry\u0026rsquo;s highest-margin offerings.\u0026nbsp;\u003c/p\u003e\n\n\u003cp\u003eAnd all the while, the further adoption of digital technologies and cognitive business practices will help reshape sales systems, supply chain logistics, and manufacturing processes.\u003c/p\u003e\n\n\u003cp\u003eThat\u0026rsquo;s why, despite the current struggle, the industry will be wise to accelerate this digital reinvention\u0026mdash;driving a more rapid transformation and digitization of the core business with such innovations as touchless car purchases and AI-enabled connected services for vehicles.\u003c/p\u003e\n\n\u003cp\u003eModernizing IT infrastructures and development processes, and embracing multi-hybrid cloud network architectures, and agile development and operations (\u0026ldquo;dev ops\u0026rdquo;) can all help prepare the automotive industry to withstand future ups and downs. \u0026nbsp;\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eNear-term measures, long-term investments\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eIn this era, cash conservation and risk management should be the major areas of focus. Automotive supply chains are critical to managing costs and risks, and optimizing production. Key enablers include supply chain visibility tools, AI capabilities with location intelligence, and predictive risk assessment.\u003c/p\u003e\n\n\u003cp\u003eWe also expect there will be rapidly changing demands as virus flare-ups happen in different geographies over the coming months. Digital capabilities and cognitive processes will allow immediate manufacturing adjustments based on these changing demand signals which will drive down costs and excess inventory.\u003c/p\u003e\n\n\u003cp\u003eAs IBM supports the auto industry in this time of crisis, together we are making significant investments. We have teams around the world running large parts of the industry\u0026rsquo;s most critical IT infrastructure. We are providing laptops to automotive company employees so they can work effectively in remote settings, and we are expanding network capabilities such as virtual private networks to enable secure access.\u0026nbsp;\u003cbr /\u003e\n\u003cbr /\u003e\nWe are also providing free tools to support employee engagement. IBM has developed \u003ca href=\"https://newsroom.ibm.com/2020-04-02-IBM-Offers-Watson-Assistant-for-Citizens-to-Provide-Responses-to-COVID-19-Questions\"\u003eIBM Watson Assistant for Citizens\u003c/a\u003e. It is pre-loaded to understand and respond to common questions about COVID-19. This tool also provides company-specific guidance as things change and evolve.\u0026nbsp;\u003c/p\u003e\n\n\u003cp\u003eFinally, we are offering global financing options to help automotive companies with potential financial burdens. Working with clients on cost-reduction ideas and supply-chain resilience programs are just a few ways IBM can assist automotive OEMs in these challenging times.\u003c/p\u003e\n\n\u003cp\u003eIt is hard to predict the timing of crises like COVID-19. But we\u0026rsquo;ve proved as an industry that it is possible to prepare in advance, as well as to react quickly and wisely. There\u0026rsquo;s much work left to do, and tougher times may remain in the short term. But together, we will emerge as a stronger, smarter, and more relevant industry.\u003c/p\u003e\n\n\u003cp\u003eTo support our clients, IBM has developed best practices and recommendations for actions to take now and after the pandemic.\u0026nbsp;\u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/report/covid-19-action-guide\" target=\"_blank\"\u003eClick here\u003c/a\u003e\u0026nbsp;to access our COVID-19 Action Guide and related resources.\u003c/p\u003e\n","approved":true,"image_alt":"automobiles","thumbnail_alt":"automobiles","hideRelatedBlogs":false,"createdAt":"2020-04-17T22:04:21.883Z","updatedAt":"2022-03-06T10:21:21.562Z","author":[{"id":576,"name":"Karen Newman","email":"newmank@us.ibm.com","twitter":"","facebook":"","linkedin":"https://www.linkedin.com/in/karennewman9/","featured":false,"priority":0,"title":"VP of Services, Global Honda Account, IBM Consulting ","image_alt":"Karen Newman","place_of_employment":"","bio":"","createdAt":"2020-04-17T22:25:38.034Z","updatedAt":"2020-04-17T22:34:21.762Z","image":{"id":1859,"name":"3iurkELYa6Lv7hdsAYFE4gz5","alternativeText":null,"caption":null,"width":null,"height":null,"formats":null,"hash":"21be33004c15430198ff3825484e8674","ext":".png","mime":"image/png","size":316.23,"url":"/thought-leadership/institute-business-value/uploads/en/21be33004c15430198ff3825484e8674.png","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2020-04-17T22:34:05.440Z","updatedAt":"2020-04-17T22:34:05.456Z"}},{"id":95,"name":"Stefan Schumacher","email":"jstefan.schumacher@de.ibm.com","twitter":"","facebook":"","linkedin":"https://www.linkedin.com/in/stefan-schumacher-396809a7/","featured":false,"priority":0,"title":"Head of Automotive Strategy \u0026 Solutions, IBM Deutschland GmbH","image_alt":"Stefan Schumacher","place_of_employment":"","bio":"","createdAt":"2018-12-15T01:21:57.930Z","updatedAt":"2022-02-12T01:55:49.143Z","image":{"id":1935,"name":"6FoxJSK_KCke4oGHjZewfp34","alternativeText":null,"caption":null,"width":null,"height":null,"formats":null,"hash":"c4965c59c53e444f862c6404f1a68771","ext":".png","mime":"image/png","size":30.58,"url":"/thought-leadership/institute-business-value/uploads/en/c4965c59c53e444f862c6404f1a68771.png","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2020-04-17T22:36:05.021Z","updatedAt":"2020-04-17T22:36:05.034Z"}},{"id":306,"name":"Kohichi Kajitani","email":"KAJITANI@jp.ibm.com","twitter":"","facebook":"","linkedin":"linkedin.com/in/kohichi-kajitani-628a3b13b","featured":false,"priority":0,"title":"Automotive, IBM Research - Tokyo; Industry Academy Member IBM Research ","image_alt":"Kohichi Kajitani","place_of_employment":"","bio":"","createdAt":"2020-04-17T22:30:10.751Z","updatedAt":"2020-04-17T22:33:30.990Z","image":{"id":1796,"name":"e25wu3QPIzkCQVnpjsiJJGiB","alternativeText":null,"caption":null,"width":null,"height":null,"formats":null,"hash":"234ebf8ab4f1427f9896e306ba26d8bb","ext":".png","mime":"image/png","size":34.81,"url":"/thought-leadership/institute-business-value/uploads/en/234ebf8ab4f1427f9896e306ba26d8bb.png","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2020-04-17T22:33:00.716Z","updatedAt":"2020-04-17T22:33:00.750Z"}},{"id":485,"name":"Sriram Lakshminarayanan ","email":"lsriram@in.ibm.com","twitter":"","facebook":"","linkedin":"https://www.linkedin.com/in/sriram-lakshminarayanan-76a9273/","featured":false,"priority":0,"title":"Industry Lead, Automotive and Aerospace \u0026 Defense IBM India Global Delivery Center","image_alt":"","place_of_employment":"","bio":"","createdAt":"2019-03-20T01:52:35.178Z","updatedAt":"2020-04-17T22:38:16.609Z","image":{"id":1898,"name":"VPdIErY99Y5wKB3nCTjeLDb8","alternativeText":null,"caption":null,"width":null,"height":null,"formats":null,"hash":"8a8f2dde1f854430ae42d515d4e5f4ed","ext":".png","mime":"image/png","size":292.14,"url":"/thought-leadership/institute-business-value/uploads/en/8a8f2dde1f854430ae42d515d4e5f4ed.png","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2020-04-17T22:38:07.305Z","updatedAt":"2020-04-17T22:38:07.317Z"}}],"image":{"id":7489,"name":"c905113f0b20466693786b33f2fa2cc1.webp","alternativeText":null,"caption":null,"width":2000,"height":500,"formats":null,"hash":"c905113f0b20466693786b33f2fa2cc1_acc39a1f61","ext":".webp","mime":"image/webp","size":81.45,"url":"/thought-leadership/institute-business-value/uploads/en/c905113f0b20466693786b33f2fa2cc1_acc39a1f61","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:21:21.321Z","updatedAt":"2022-03-06T10:21:21.501Z"},"thumbnail":{"id":6925,"name":"841c75704a58405f988cc33f983a310d.webp","alternativeText":null,"caption":null,"width":729,"height":359,"formats":null,"hash":"841c75704a58405f988cc33f983a310d_acb367bc6c","ext":".webp","mime":"image/webp","size":35.39,"url":"/thought-leadership/institute-business-value/uploads/en/841c75704a58405f988cc33f983a310d_acb367bc6c","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:21:09.650Z","updatedAt":"2022-03-06T10:21:09.954Z"},"mlinks":{"id":94,"prompt":"automotive-category","offer1":"IBM Consulting can help Automotive organizations successfully navigate digital transformation.","action1":"IBM Consulting","link1":"https://www.ibm.com/consulting","offer2":"Technologies such as blockchain can help Automotive organizations improve operational efficiency in their supply chains and create personalized vehicle experiences.","action2":"Automotive solutions","link2":"https://www.ibm.com/industries/automotive","offer3":"IBM IoT Services can help Automotive organizations transform enterprise business models with insights from IoT data, and intelligent workflows built on emerging technologies.","action3":"IoT Services","link3":"https://www.ibm.com/consulting/process/iot","locale":"en-us","createdAt":"2019-10-18T11:49:25.399Z","updatedAt":"2023-07-10T20:32:25.990Z"},"assets":[]},{"id":6,"slug":"covid-19-electronics","title":"COVID-19 tests resilience in the electronics industry","subtitle":"","date":"2020-04-15T12:00:00.000Z","blurb":"Electronics companies that take prudent short- and long-term actions now will be positioned to emerge from the current crisis stronger and more resilient.\n","content":"\u003cp\u003eWe\u0026rsquo;re witnessing Darwinian times in every industry, and electronics is no exception. The most adaptable companies are expected to be the strongest emerging from this crisis. It exposes gaps in resiliency that have hidden in plain sight for a long time.\u003c/p\u003e\n\n\u003cp\u003eThe industry experienced early impacts from \u003ca href=\"https://www.who.int/emergencies/diseases/novel-coronavirus-2019\" target=\"_blank\"\u003eCOVID-19\u003c/a\u003e. Early on, the crisis was largely confined to China. While difficult, it was viewed more as a limited \u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/report/covid-19-supply-chains\" target=\"_blank\"\u003esupply chain disruption\u003c/a\u003e, much like a flood in Thailand or an earthquake in Japan. Not to minimize such events, but the industry learned that at first, it could still secure needed parts by applying more effort than normal. And businesses could still operate in relative normalcy.\u003c/p\u003e\n\n\u003cp\u003eThat changed as the crisis extended its global reach. Supply side impacts diminished, with factories in China reopening while other parts of the world were shutting down.\u003c/p\u003e\n\n\u003cdiv class=\"ckeditor-html5-video\" data-responsive=\"true\"\u003e\n\u003cvideo controls=\"controls\" poster=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/4fe7fb5cda794547a62ef6c474aabb34.jpg\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/093678b4dff24ad2af375191f16aabfc.mp4\" style=\"height:auto; max-width:100%\" width=\"660\"\u003e\u0026nbsp;\u003c/video\u003e\n\u003c/div\u003e\n\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\n\n\u003cp\u003eAs the virus continued its march across countries, companies began revising second-quarter and even 2020 revenue guidance. The impact on both the tech industry and the global supply chain has worsened. In one key category, smartphones, Canalys forecasted that \u003ca href=\"https://www.scmp.com/tech/enterprises/article/3050679/chinas-chip-makers-proving-more-resilient-amid-coronavirus-supply\" target=\"_blank\"\u003eChina\u0026rsquo;s shipments would drop 40 to 50 percent\u003c/a\u003e in the first quarter of 2020.\u003c/p\u003e\n\n\u003cp\u003eThe impact on multiple areas of the demand side is clearly more dramatic. Medical devices, networking gear and seemingly anything related to working from home is selling like never before\u0026mdash;for example, \u003ca href=\"https://about.att.com/pages/COVID-19.html\" target=\"_blank\"\u003eAT\u0026amp;T saw a 31 percent month-to-month increase in core network traffic\u003c/a\u003e in March. On the flip side, demand for automotive components and larger consumer electronics items has ground to a halt. \u003ca href=\"https://www.wired.com/story/covid-19-bad-for-auto-industry-worse-for-evs/\" target=\"_blank\"\u003eAuto sales in China fell by 80 percent in February\u003c/a\u003e. Semiconductor and component manufacturing see limited impact at this point, but should soon experience a bullwhip effect (increasing swings in inventory responses as one moves up the supply chain).\u003c/p\u003e\n\n\u003cp\u003eWhat should electronics companies be doing to manage the situation? We recommend keeping two different timelines in mind:\u003c/p\u003e\n\n\u003col\u003e\n\t\u003cli\u003eWhat can you do reactively right now to address immediate impacts?\u003c/li\u003e\n\t\u003cli\u003eWhat should you adapt for the longer term?\u003c/li\u003e\n\u003c/ol\u003e\n\n\u003cp\u003e\u003cstrong\u003eImmediate reactions\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eThe short-term reaction of electronics companies is the corporate equivalent of sheltering in place. Do whatever you can to come out healthy at the end of this, such as:\u003c/p\u003e\n\n\u003cul\u003e\n\t\u003cli\u003eCo-create and crowdsource products with customers and competitors to meet the immediate needs of the global COVID-19 response, especially around medical devices and communications.\u003c/li\u003e\n\t\u003cli\u003eShift marketing and sales focus to be online as the physical channel is effectively shut down. Pare down expenditures to a focused product and brand portfolio. Extend features, where possible, to provide a rich shopping experience\u0026mdash;especially to improve chat and customer contact.\u003c/li\u003e\n\t\u003cli\u003eIf your cash position allows, help smaller channel and service partners weather the storm (for example, with extended credit terms), especially in field service for mission-critical equipment.\u003c/li\u003e\n\t\u003cli\u003eWhere possible, secure alternative sources for components and service parts, potentially fast-tracking supplier qualification. Consider the possibility of 3D printing your service parts, if necessary. You don\u0026rsquo;t just need reliability; you need resilience as well.\u003c/li\u003e\n\t\u003cli\u003eIncrease your \u0026ldquo;sales and operations planning\u0026rdquo; frequency to address rapid changes in demand. Get more granular as the earliest stages of the recovery will be geographically uneven.\u003cbr /\u003e\n\t\u0026nbsp;\u003c/li\u003e\n\u003c/ul\u003e\n\n\u003cp\u003e\u003cstrong\u003eAdapting for the longer term\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eAt some point, the immediate crisis will pass. Nobody knows what the recovery curve will be, nor how the world will look after the recovery. Companies should build resiliency and flexibility for multiple potential futures, including the next health crisis. Here are some things that likely will be true, and actions you can take to prepare:\u003c/p\u003e\n\n\u003cul\u003e\n\t\u003cli\u003e\u003cstrong\u003eSome of your sales will never return to the physical channel.\u003c/strong\u003e Focus on building flexible, omni-channel capability. Include a direct-to-consumer channel that can exist on its own, complement, or even support physical channels. Go beyond drop ship and consider new economic arrangements to support existing retail channels.\u003c/li\u003e\n\t\u003cli\u003e\u003cstrong\u003eForecast models based on historical data will be invalid for a long time.\u003c/strong\u003e Develop advanced demand forecasting capability based on forward-looking data to detect granular changes before they become issues. Consider new data sources and AI to support deeper insights and increased agility to react to the changes you observe.\u003c/li\u003e\n\t\u003cli\u003e\u003cstrong\u003eCOVID-19 won\u0026rsquo;t be the last emergency.\u003c/strong\u003e The next disruption may be a natural phenomenon, a geopolitical issue, or another health crisis. Design your manufacturing capacity and architecture to reduce your dependency on any single provider or country.\u003c/li\u003e\n\t\u003cli\u003e\u003cstrong\u003eVolatile demand is the new normal.\u003c/strong\u003e Start shifting to variable-cost models in all areas of the business to improve your flexibility. Move applications to the cloud where possible. Outsource non-core business processes and automate core functions to operate without intervention, especially in customer service, warranty and claims.\u003c/li\u003e\n\t\u003cli\u003e\u003cstrong\u003eNew acquisition opportunities will emerge.\u003c/strong\u003e Companies will weather the crisis differently depending on their cash and credit positions. Making M\u0026amp;A work will be less about target selection, and more about due diligence and rapid integration.\u0026nbsp; Desired payback will be less than the industry average of two years. (Please see our recent IBM Institute for Business Value perspective on mergers and acquisitions \u003ca href=\"https://ibm.co/mergers-acquisitions-electronics\" target=\"_blank\"\u003ehere\u003c/a\u003e.)\u003c/li\u003e\n\t\u003cli\u003e\u003cstrong\u003eYour security attack \u0026ldquo;surface\u0026rdquo; has increased.\u003c/strong\u003e Getting remote employees up and running quickly in the beginning of the crisis \u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/report/covid-19-cyberwar\" target=\"_blank\"\u003eexposed you to new threats\u003c/a\u003e and often required some bolt-on security arrangements. Make sure you update your security posture to cover the breadth of your exposure.\u003c/li\u003e\n\u003c/ul\u003e\n\n\u003cp\u003eCOVID-19 will be defeated. The economy will reopen. But life and business must evolve to\u0026nbsp; meet the demands of a changed world. Electronics companies that take prudent short- and long-term actions now will be positioned to emerge from the current crisis stronger and more resilient.\u003c/p\u003e\n\n\u003cp\u003eTo support our clients, IBM has developed best practices and recommendations for actions to take now and after the pandemic.\u0026nbsp;\u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/report/covid-19\" target=\"_blank\"\u003eClick here\u003c/a\u003e\u0026nbsp;to access our COVID-19 Action Guide and related resources.\u003c/p\u003e\n","approved":true,"image_alt":"electronics devices","thumbnail_alt":"electronics devices","hideRelatedBlogs":false,"createdAt":"2020-04-16T01:35:22.871Z","updatedAt":"2022-03-06T10:21:11.152Z","author":[{"id":98,"name":"Rami Ahola","email":"rami.ahola@fl.ibm.com","twitter":"https://twitter.com/ramiahola","facebook":"","linkedin":"http://www.linkedin.com/in/ramiahola","featured":false,"priority":0,"title":"Global Leader, Electronics Industry Center of Competence","image_alt":"Rami Ahola","place_of_employment":"","bio":"","createdAt":"2018-12-15T23:25:32.619Z","updatedAt":"2022-05-23T22:47:13.669Z","image":{"id":1528,"name":"mKEqKiStqkzyFYsWBql55C0k","alternativeText":null,"caption":null,"width":null,"height":null,"formats":null,"hash":"5ead88fa911a4a5eb8ab6e028241579d","ext":".jpg","mime":"image/jpeg","size":14.04,"url":"/thought-leadership/institute-business-value/uploads/en/5ead88fa911a4a5eb8ab6e028241579d.jpg","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2020-04-16T01:52:26.614Z","updatedAt":"2020-04-16T01:52:26.625Z"}},{"id":414,"name":"Bruce Anderson","email":"baanders@us.ibm.com","twitter":"https://twitter.com/Bruce_Hitech","facebook":"","linkedin":"https://www.linkedin.com/in/bruceaanderson","featured":false,"priority":0,"title":"Global Managing Director, IBM electronics industry","image_alt":"Bruce Anderson","place_of_employment":"","bio":"","createdAt":"2019-03-05T01:34:54.732Z","updatedAt":"2022-02-12T01:16:22.057Z","image":{"id":1450,"name":"MvNSiHox_YnfSNh2s4yH4YIV","alternativeText":null,"caption":null,"width":null,"height":null,"formats":null,"hash":"91740caa7c134fd88977342f5ec65753","ext":".jpg","mime":"image/jpeg","size":16.3,"url":"/thought-leadership/institute-business-value/uploads/en/91740caa7c134fd88977342f5ec65753.jpg","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2020-04-16T03:19:41.605Z","updatedAt":"2020-04-16T03:19:41.616Z"}}],"image":{"id":6995,"name":"9833f72ac97e4bdfaaf7b895d392861c.webp","alternativeText":null,"caption":null,"width":2000,"height":500,"formats":null,"hash":"9833f72ac97e4bdfaaf7b895d392861c_fe8acfb47d","ext":".webp","mime":"image/webp","size":20.1,"url":"/thought-leadership/institute-business-value/uploads/en/9833f72ac97e4bdfaaf7b895d392861c_fe8acfb47d","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:21:11.061Z","updatedAt":"2022-03-06T10:21:11.133Z"},"thumbnail":{"id":6853,"name":"bb9c0083ed9b41fe91cc330ab728a8a3.webp","alternativeText":null,"caption":null,"width":729,"height":359,"formats":null,"hash":"bb9c0083ed9b41fe91cc330ab728a8a3_68f59130bc","ext":".webp","mime":"image/webp","size":12.99,"url":"/thought-leadership/institute-business-value/uploads/en/bb9c0083ed9b41fe91cc330ab728a8a3_68f59130bc","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:20:50.559Z","updatedAt":"2022-03-06T10:20:50.618Z"},"mlinks":{"id":210,"prompt":"electronicsupply","offer1":"The electronics industry is infusing intelligence into products and connecting them to everything. Companies that figure out how to turn that data into actionable insights will create new business models and deliver greater value to customers.","action1":"IBM Electronics solutions","link1":"https://www.ibm.com/industries/electronics","offer2":"A smarter supply chain, enabled with AI and blockchain, gives you unmatched visibility and insights so you can make informed decisions and mitigate disruptions before they impact your ability to deliver business results.","action2":"IBM can help you build a smarter supply chain","link2":"https://www.ibm.com/supply-chain","offer3":"Your trusted business and technology partner for digital transformation.","action3":"IBM Consulting","link3":"https://www.ibm.com/consulting","locale":"en-us","createdAt":"2019-09-20T10:14:05.322Z","updatedAt":"2021-07-23T04:11:49.672Z"},"assets":[]},{"id":52,"slug":"covid-19-banking","title":"Driving a post-COVID-19 renaissance in financial services","subtitle":"","date":"2020-04-10T12:00:00.000Z","blurb":"In the wake of COVID-19, financial institutions will have to reconfigure their business and operating models for an environment of higher numbers of non-performing loans and defaults, low interest rates, credit tightening, and capital constraints.\n","content":"\u003cp\u003eAs the \u003ca href=\"https://www.who.int/emergencies/diseases/novel-coronavirus-2019\" target=\"_blank\"\u003eCOVID-19 pandemic\u003c/a\u003e continues to spread around the world, its toll on human populations has been accompanied by the disruption of supply chains, industries and whole economies. Almost overnight, people\u0026rsquo;s lives, business, and countries have had to change.\u003c/p\u003e\n\n\u003cp\u003eIn the near term, financial institutions in countries affected by the pandemic moved quickly to safeguard their employees, transform their operations, and serve their customers in new ways. Almost immediately, financial institutions have:\u003c/p\u003e\n\n\u003cul\u003e\n\t\u003cli\u003eMobilized control centers and enabled their employees for remote working\u003c/li\u003e\n\t\u003cli\u003eClosed branches and reconfigured, augmented, and secured operations to support changing volumes and business continuity\u003c/li\u003e\n\t\u003cli\u003eStarted to adapt their risk and fraud models.\u003c/li\u003e\n\u003c/ul\u003e\n\n\u003cp\u003eThe post-COVID-19 environment will be very different. Many economies will likely be recessionary for an extended period. Financial institutions will have to reconfigure their business and operating models for an environment of higher numbers of non-performing loans and defaults, low interest rates, credit tightening, and capital constraints.\u003cbr /\u003e\n\u0026nbsp;\u003c/p\u003e\n\n\u003cdiv class=\"ckeditor-html5-video\" data-responsive=\"true\" style=\"text-align:center\"\u003e\n\u003cvideo controls=\"controls\" poster=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/810fa56c60fc4151b454d1d7bd3c7b64.jpg\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/e5efd9a19d434365b0ec2b5fed445575.mp4\" style=\"height:auto; max-width:100%\" width=\"670\"\u003e\u0026nbsp;\u003c/video\u003e\n\u003c/div\u003e\n\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003ePost-COVID-19 market environment\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eWe expect the global economy to be recessionary. On March 23, 2020, the Institute of International Finance projected \u003ca href=\"https://www.iif.com/Publications/ID/3813/GMV-Global-Recession\"\u003ea global GDP contraction of -1.5 percent\u003c/a\u003e for 2020. Analysts expect S\u0026amp;P earnings \u003ca href=\"https://www.barrons.com/articles/s-p-500-dividends-will-fall-25-this-year-analysts-say-51585578961\" target=\"_blank\"\u003eto fall 25 percent\u003c/a\u003e.\u003c/p\u003e\n\n\u003cp\u003eThe biggest impact will be due to lower consumption, weaker business investment (as firms reconsider investments), and lower inventory accumulation arising from a combination of supply shock and weakened demand.\u003cbr /\u003e\n\u0026nbsp;\u003c/p\u003e\n\n\u003cp\u003e\u003cimg alt=\"\" height=\"451\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/48f273ee0f8f434b833bbd13d8581d6c.png\" width=\"660\" /\u003e\u003c/p\u003e\n\n\u003cp\u003e\u003cbr /\u003e\n\u003cstrong\u003eHigher credit defaults\u003c/strong\u003e: Banks have enjoyed record low non-performing-loan (NPL) performance in recent years. Asset-quality deterioration seems likely given the economic disruption caused by business closures and stay-at-home requirements. Depending on the scale of federal assistance programs, defaults are likely to be higher than during the 2007-2008 global financial crisis.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eLow interest rates\u003c/strong\u003e: Many central banks around the world have reduced interest rates to support their local economies. The rapid pace of cutting interest rates will accelerate the compression of net interest margin, impacting a key and significant revenue stream for the banking industry.\u003cbr /\u003e\n\u0026nbsp;\u003c/p\u003e\n\n\u003cp\u003e\u003ca href=\"https://qz.com/1691212/low-interest-rates-are-shrinking-big-banks-net-interest-margins/\"\u003e\u003cimg alt=\"Chart from TheAtlas.com\" height=\"413\" 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\" width=\"600\" /\u003e\u003c/a\u003e\u003cbr /\u003e\n\u0026nbsp;\u003c/p\u003e\n\n\u003cp\u003e\u003cimg alt=\"\" height=\"337\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/03243a813a504900afb9b3ef193f6e41.png\" width=\"600\" /\u003e\u003c/p\u003e\n\n\u003cp\u003e\u003cbr /\u003e\n\u003cstrong\u003eCredit tightening\u003c/strong\u003e: There is also the potential for credit tightening, where there will be a lack of funds available in the credit market, making it difficult for borrowers to obtain financing. This could be driven by lenders having limited funds available to lend, being unwilling to lend, or increasing the cost of borrowing to a rate that is unaffordable to individual, business or bank borrowers.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eCapital requirements\u003c/strong\u003e: Substantial buffers on capital and liquidity have been put in place since the last decade\u0026rsquo;s financial crisis with its worst-case estimated declines in global GDP of 5 to 7 percent. Before the COVID-19 pandemic, the banking industry had common equity capital between 12 to 14 percent. There are now concerns whether the capital and liquidity buffers they have built will be sufficient.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eThe \u0026ldquo;next normal\u0026rdquo; for the financial services industry\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eRadically lower cost structure\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eFinancial institutions will have to act quickly to cut more cost, and uncover new savings and efficiencies. They will also have to become more nimble, flexible and resilient to market threats. With the accelerating compression of net-interest-margins, and the looming decline in fee income, financial institutions will have to quickly and substantially reduce their operating expense in order to maintain profitability.\u003c/p\u003e\n\n\u003cp\u003eThe \u0026ldquo;go-to\u0026rdquo; cost savings areas for financial services will need to be:\u003c/p\u003e\n\n\u003cul\u003e\n\t\u003cli\u003eSubstantial: Cut greater than 40 percent to reflect new economic and competitive realities\u003c/li\u003e\n\t\u003cli\u003eStructural: Be structural in nature, going beyond being capacity-reducing\u003c/li\u003e\n\t\u003cli\u003eSustainable: Deliver a sustainable cost structure without impacting customer, resiliency, compliance, and security requirements.\u003c/li\u003e\n\u003c/ul\u003e\n\n\u003cp\u003e\u003cstrong\u003eOperational resiliency\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eThe rapid impact of COVID-19 on the global economies has reinforced the importance of operational resilience. Operational resilience will become critical with the mounting risks of further pandemics, societal and geopolitical tensions, intensity of cyber-attacks, and other unknowns that continue to target the financial services industry.\u003c/p\u003e\n\n\u003cp\u003eIn addition, the regulators are likely to be hypervigilant, levying severe fines on banks which suffer breaks in service that impact customers. Financial institutions will acknowledge that, to succeed, they must invest in preparation, expect failure and invest in recovery.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eExtreme digitization on cloud\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eExtreme digitization will start with evolving the customer experience\u0026mdash;creating more cohesive and personal digital journeys by combining and integrating every aspect into a single platform and tooling. Moving beyond the customer interface, digitization includes middle- and back-office operations, and support functions where processes are transformed and automated into intelligent workflows.\u003c/p\u003e\n\n\u003cp\u003eDelivering on this goal requires powerful exponential technologies like cloud, automation, API platforms, blockchain, and AI, as well as an agile approach to delivery, design thinking and organizational integration. Extreme digitization is developed on an open hybrid cloud platform that enables financial institutions to securely build, run and manage apps and workloads in a consistent way, across any cloud.\u003cbr /\u003e\n\u0026nbsp;\u003c/p\u003e\n\n\u003cp\u003e\u003cimg alt=\"\" height=\"289\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/e16b7eff1772403ba8ca5add63e8606e.jpeg\" width=\"660\" /\u003e\u003c/p\u003e\n\n\u003cp\u003e\u003cbr /\u003e\n\u003cstrong\u003eReinvented customer relationships\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eRemote working and consumption has changed the routines and expectations of customers, in terms of digital adaptation. In many times of crisis, a flight-to-quality or flight-to-safety occurs when customers migrate to environments that are perceived to be less risky, even if they actually prove otherwise. In financial markets, it happens when investors sell what they perceive to be higher-risk investments and purchase \u0026ldquo;safer\u0026rdquo; investments, such as gold and other precious metals. In retail banking, an example is moving your savings from smaller, newer banks to larger, more established players.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eSecure and compliant to the core\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eThe post-COVID-19 environment will continue to see expanding channels, increasing interconnectivity, digital platforms and 24x7 access. Yet each of these enhancements can drive increased security risks, threats, and fraud.\u003c/p\u003e\n\n\u003cp\u003eSuccessful players will seek to embed security and compliance across their operations and technologies to drive efficiency and effectiveness. This will include automation, leveraging data and analytical tools, employing pervasive encryption, and the next normal of culture and conduct risk expectations.\u003c/p\u003e\n\n\u003cp\u003eStarting the journey to the next normal includes aggressively modernizing the application portfolio, migrating to resilient and secure clouds, driving the digitization of processes into intelligent workflows, building self-serve capabilities, embedding security and compliance across operations, and designing a new relationship with customers. To support our clients in these actions, IBM has gathered together a set of best practices and recommendations in \u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/report/covid-19\" target=\"_blank\"\u003eour COVID-19 Action Guide\u003c/a\u003e, as well as related resources.\u003c/p\u003e\n","approved":true,"image_alt":"Driving a post COVID-19 renaissance in financial services","thumbnail_alt":"Driving a post COVID-19 renaissance in financial services","hideRelatedBlogs":false,"createdAt":"2020-04-02T00:40:09.790Z","updatedAt":"2022-06-02T23:54:42.287Z","author":[{"id":262,"name":"Anthony Lipp","email":"ajlipp@us.ibm.com","twitter":"","facebook":"","linkedin":"https://www.linkedin.com/in/lippanthony/","featured":false,"priority":0,"title":"Global Head of Strategy for Banking and Financial Markets and IBM Industry Academy member","image_alt":"Anthony Lipp","place_of_employment":"","bio":"","createdAt":"2018-12-01T12:32:52.574Z","updatedAt":"2022-10-31T04:34:50.300Z","image":{"id":1583,"name":"IBldduTCzUgTCeCJrZ5sb-B4","alternativeText":null,"caption":null,"width":null,"height":null,"formats":null,"hash":"cb2a6ffb2c784da2a337f4e13a03277b","ext":".jpg","mime":"image/jpeg","size":26.22,"url":"/thought-leadership/institute-business-value/uploads/en/cb2a6ffb2c784da2a337f4e13a03277b.jpg","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2020-04-10T21:44:30.887Z","updatedAt":"2020-04-10T21:44:30.900Z"}}],"image":{"id":6999,"name":"32b993ad5ac848c6ab71a509f4fdf049.webp","alternativeText":null,"caption":null,"width":2000,"height":500,"formats":null,"hash":"32b993ad5ac848c6ab71a509f4fdf049_65e9049892","ext":".webp","mime":"image/webp","size":60.58,"url":"/thought-leadership/institute-business-value/uploads/en/32b993ad5ac848c6ab71a509f4fdf049_65e9049892","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:21:20.950Z","updatedAt":"2022-03-06T10:21:21.251Z"},"thumbnail":{"id":6353,"name":"46525cbba618422e98d6bcf7a30c902d.webp","alternativeText":null,"caption":null,"width":729,"height":359,"formats":null,"hash":"46525cbba618422e98d6bcf7a30c902d_2279a5aadd","ext":".webp","mime":"image/webp","size":20.44,"url":"/thought-leadership/institute-business-value/uploads/en/46525cbba618422e98d6bcf7a30c902d_2279a5aadd","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:21:05.353Z","updatedAt":"2022-03-06T10:21:05.654Z"},"mlinks":{"id":75,"prompt":"covid-19-category","offer1":"In a global crisis, the right solutions can help you navigate uncertainty, adapt to changing conditions and become more resilient.","action1":"Business solutions for COVID-19 disruption","link1":"https://www.ibm.com/impact/covid-19/business-solutions","offer2":"Work safe, work smart, and guard the health, safety and productivity of your people in a changing workplace.","action2":"Watson Works","link2":"https://www.ibm.com/watson/watson-works","offer3":"Get the latest IBM insights, updates and offerings, 24/7.","action3":"IBM response to COVID-19","link3":"https://www.ibm.com/thought-leadership/covid19","locale":"en-us","createdAt":"2020-03-23T14:09:07.432Z","updatedAt":"2022-09-07T21:29:34.173Z"},"assets":[]},{"id":59,"slug":"covid-19-telecom","title":"The telecommunications industry is enabling crucial connections amid COVID-19 uncertainty","subtitle":"","date":"2020-04-10T12:00:00.000Z","blurb":"Telecom providers have perhaps never been more relevant than they are today, connecting families and communities while keeping businesses “logged on.\"\n","content":"\u003cp\u003eTelecom operators have long been a fabric of our society. Their networks and services underpin the way in which we communicate, learn, shop, and entertain ourselves. They enable essential government services and provide the highway for the digital economy. Never have they been more relevant than today, connecting families and communities while keeping businesses and educational institutions \u0026ldquo;logged on.\u0026rdquo;\u003c/p\u003e\n\n\u003cp\u003eDuring this unprecedented time, communication service providers (CSPs) have shown a resilience and willingness to act, giving us a glimpse into the new market reality. In this \u0026ldquo;new normal,\u0026rdquo; CSPs are leading efforts for remote working, online learning, and social distancing.\u003c/p\u003e\n\n\u003cdiv class=\"ckeditor-html5-video\" data-responsive=\"true\" style=\"text-align:center\"\u003e\n\u003cvideo controls=\"controls\" controlslist=\"nodownload\" poster=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/05f634e87ffa423f97b6874f3d00aeb3.jpg\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/1c7411991043425caf7200284c7d73ed.mp4\" style=\"max-width: 100%; height: auto;\" width=\"670\"\u003e\u0026nbsp;\u003c/video\u003e\n\u003c/div\u003e\n\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eImmediate response: Answering the call\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eAround the world, CSPs have responded with a sense of urgency, purpose, and empathy. IBM is supporting its CSP clients in their efforts across several fronts:\u003c/p\u003e\n\n\u003cul\u003e\n\t\u003cli\u003eSupporting healthcare and government agencies by equipping field hospitals in the UK with high speed connectivity and devices, providing insight on population movement to tackle the spread of the virus in the US, Asia and EU, connecting citizens to vital information, and enabling national health institutions with the tools to work remotely and securely as they research a cure for \u003ca href=\"https://www.who.int/emergencies/diseases/novel-coronavirus-2019\" target=\"_blank\"\u003eCOVID-19\u003c/a\u003e\u003c/li\u003e\n\t\u003cli\u003eExtending network capacity by 30 to 50 percent to support secure remote working for businesses\u003cstrong\u003e, \u003c/strong\u003eand connecting teachers and students via virtual classrooms\u003c/li\u003e\n\t\u003cli\u003eImplementing remote and virtual agent strategies to deliver customer care amid escalating traffic to contact centers and digital channels\u003c/li\u003e\n\t\u003cli\u003eEnsuring continued service to residential and small business customers unable to pay their current bills, waiving late fees, and opening Wi-Fi hotspots to anyone who needs them.\u003c/li\u003e\n\u003c/ul\u003e\n\n\u003cp\u003e\u003cstrong\u003eShort- to mid-term: Reacting to market conditions\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eAs our societies and economies are connected and powered by communication networks, the telecom industry has been less impacted in the financial markets than many others. However, over the next few months, the industry will need to respond to several common challenges, including:\u003c/p\u003e\n\n\u003cul\u003e\n\t\u003cli\u003eSignificant pressure on operating expenses, with rapid cost take-out initiatives\u003c/li\u003e\n\t\u003cli\u003ePrioritization of critical capital expenditure aligned to revenue and business continuity\u003c/li\u003e\n\t\u003cli\u003eSupply chain optimization in the face of equipment and labor supply volatility\u003c/li\u003e\n\t\u003cli\u003eRevenue and cash management amid an economic downturn, extended payments.\u003c/li\u003e\n\u003c/ul\u003e\n\n\u003cp\u003e\u003cstrong\u003eLonger term: Implications for the new normal\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eAs a new normal emerges, there are a few fundamental reactions that we can expect from the telecom industry:\u003c/p\u003e\n\n\u003col\u003e\n\t\u003cli\u003eCSPs will likely accelerate their digital transformations, institutionalizing new ways of working for their employees. Consumers and businesses will demand a richer, more consistent omnichannel digital experience with an emphasis on digital self-service. We will see more use of \u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/technology/ai-cognitive\" target=\"_blank\"\u003eartificial intelligence (AI)\u003c/a\u003e to augment call center agents and retail stores, providing for greater customer insight and real-time decisions.\u003cbr /\u003e\n\t\u0026nbsp;\u003c/li\u003e\n\t\u003cli\u003eFacing continued pressure on operating expenses and business agility, we expect to see a renewed sense of urgency in shifting to hybrid cloud IT and network architectures and operations with extreme automation. This will propel deployment of open, seamless network architectures that deliver new levels or orchestration and agility. Changes to accommodate major shifts in workload, load balancing, and more infusion of AI/machine learning (ML) into the network at the Core, Edge or vRAN, will become key to investment strategies and sustained operational efficiency.\u003cbr /\u003e\n\t\u0026nbsp;\u003c/li\u003e\n\t\u003cli\u003eWe can expect to see more examples of traditional telcos reinventing themselves as \u0026nbsp;platform businesses, operating as both a digital services provider and digital services enabler. We are already seeing the impact of COVID-19 on planned 5G deployments\u0026mdash;with China and the US continuing, if not accelerating, the pace while several other countries have postponed spectrum auctions and rollouts.\u003cbr /\u003e\n\t\u003cbr /\u003e\n\tAs businesses and governments establish their own versions of a new normal, 5G and Edge computing will be necessary to deliver the automation, performance and cognitive insight required by many of these industries including manufacturing, energy and utilities, and healthcare, among others. Telecom operators will need to embrace open ecosystems to externalize innovation and accelerate new services.\u003cbr /\u003e\n\t\u0026nbsp;\u003c/li\u003e\n\t\u003cli\u003eCybersecurity will be high on the agenda, as post COVID-19 brings an increased level of digital access to businesses and information around the globe. CSPs will experience an increase in remote working for their own employees, in addition to an expansion of security-as-a-service offerings to support their business customers.\u003c/li\u003e\n\u003c/ol\u003e\n\n\u003cp\u003eMoving forward, whatever this new normal holds for the industry, we can expect change to impact all aspects of the telecom business. These changes range from the manner in which providers serve customers and engage with partners, to the work environment they create for employees, to actions they execute to prioritize investments and streamline operations, as well as steps to extend the linkages they are creating with local communities.\u003c/p\u003e\n\n\u003cp\u003eTo support our clients, IBM has gathered together a set of best practices and recommendations focused around four priority areas: employees, customers and partners, finance and operations, and community. \u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/report/covid-19\" target=\"_blank\"\u003eClick here\u003c/a\u003e to access our COVID-19 Action Guide and related resources.\u003c/p\u003e\n","approved":true,"image_alt":"Telecom enables crucial connections amid COVID-19","thumbnail_alt":"Telecom enables crucial connections amid COVID-19","hideRelatedBlogs":false,"createdAt":"2020-04-02T20:23:02.923Z","updatedAt":"2022-03-06T10:21:21.475Z","author":[{"id":592,"name":"Craig Wilson ","email":"wilsoncr@us.ibm.com","twitter":"","facebook":"","linkedin":"https://www.linkedin.com/in/wilsoncr/","featured":false,"priority":0,"title":"Vice President Global Telecom, Media \u0026 Entertainment Industry, IBM","image_alt":"Craig Wilson","place_of_employment":"","bio":"","createdAt":"2020-04-02T22:30:50.906Z","updatedAt":"2020-04-02T22:35:55.499Z","image":{"id":1685,"name":"j4CTSo9ZAOalA91yesiD5DRi","alternativeText":null,"caption":null,"width":null,"height":null,"formats":null,"hash":"371985b7de0f4f138b6d0e049a6e7d61","ext":".png","mime":"image/png","size":308.95,"url":"/thought-leadership/institute-business-value/uploads/en/371985b7de0f4f138b6d0e049a6e7d61.png","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2020-04-02T22:32:21.364Z","updatedAt":"2020-04-02T22:32:21.374Z"}}],"image":{"id":7536,"name":"1fcf86fc40ba48e7b8ae475d92c880e7.webp","alternativeText":null,"caption":null,"width":2000,"height":500,"formats":null,"hash":"1fcf86fc40ba48e7b8ae475d92c880e7_23c055e46f","ext":".webp","mime":"image/webp","size":106.28,"url":"/thought-leadership/institute-business-value/uploads/en/1fcf86fc40ba48e7b8ae475d92c880e7_23c055e46f","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:21:21.243Z","updatedAt":"2022-03-06T10:21:21.438Z"},"thumbnail":{"id":7356,"name":"d68c7d29226140aab93576b56704a5c0.webp","alternativeText":null,"caption":null,"width":729,"height":359,"formats":null,"hash":"d68c7d29226140aab93576b56704a5c0_ae476f38f5","ext":".webp","mime":"image/webp","size":43.02,"url":"/thought-leadership/institute-business-value/uploads/en/d68c7d29226140aab93576b56704a5c0_ae476f38f5","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:21:11.063Z","updatedAt":"2022-03-06T10:21:11.135Z"},"mlinks":{"id":75,"prompt":"covid-19-category","offer1":"In a global crisis, the right solutions can help you navigate uncertainty, adapt to changing conditions and become more resilient.","action1":"Business solutions for COVID-19 disruption","link1":"https://www.ibm.com/impact/covid-19/business-solutions","offer2":"Work safe, work smart, and guard the health, safety and productivity of your people in a changing workplace.","action2":"Watson Works","link2":"https://www.ibm.com/watson/watson-works","offer3":"Get the latest IBM insights, updates and offerings, 24/7.","action3":"IBM response to COVID-19","link3":"https://www.ibm.com/thought-leadership/covid19","locale":"en-us","createdAt":"2020-03-23T14:09:07.432Z","updatedAt":"2022-09-07T21:29:34.173Z"},"assets":[]},{"id":53,"slug":"covid-19-government","title":"The essential role of government during COVID-19","subtitle":"","date":"2020-04-03T12:00:00.000Z","blurb":"Stable and effective government will be crucial to managing the COVID-19 coronavirus pandemic.\n","content":"\u003cp\u003eNot long ago, my routine here in the northwest hills of Connecticut was fairly \u0026ldquo;normal.\u0026rdquo; While there was this black swan called \u003ca href=\"https://www.who.int/emergencies/diseases/novel-coronavirus-2019\" target=\"_blank\"\u003eCOVID-19\u003c/a\u003e out in the distance, it didn\u0026rsquo;t seem overly worrisome. I was working with government agencies across various mission areas to help them leverage cognitive transformation and hybrid cloud to better serve citizens. I was looking at my 401k investments and allowing myself to believe I might be able to retire in another ten years. And I was looking forward to spending time with my daughters when they came home from university for spring break.\u003c/p\u003e\n\n\u003cp\u003eThat all changed almost overnight. My daughters are now home\u0026mdash;not just for spring break, but for the summer. I can\u0026rsquo;t bring myself to look at my 401k retirement account. But most importantly, friends and colleagues are falling ill, and I can\u0026rsquo;t be there to sit with them.\u003c/p\u003e\n\n\u003cp\u003eWe are living through an unprecedented moment for humanity that touches every aspect of business, technology, and society. Stable and effective government is at the heart of managing through this crisis, and what we do now will have longer-term implications for the health and safety of our families, our citizens, the economy, and even global stability. And I am gratified to see so many of the government leaders I have gotten to know so well over the years rise to the challenge.\u003c/p\u003e\n\n\u003cdiv class=\"ckeditor-html5-video\" data-responsive=\"true\" style=\"float:left; margin-right:10px; text-align:left\"\u003e\n\u003cvideo controls=\"controls\" poster=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/39bb487fdef340a68d76ad370bad7e0c.jpg\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/2d3bdd6a942a4f739612420c59a5315d.mp4\" style=\"height:auto; max-width:100%\" width=\"660\"\u003e\u0026nbsp;\u003c/video\u003e\n\u003c/div\u003e\n\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\n\n\u003cp\u003eThe private sector also is stepping up to help governments become more efficient, resilient, and robust in delivering on their missions. You may have heard of the \u003ca href=\"https://www.ibm.com/covid19/hpc-consortium\" target=\"_blank\"\u003eHigh-Performance Computing Consortium\u003c/a\u003e, where IBM is bringing together the US federal government, industry, and academic leaders to provide access to the world\u0026rsquo;s most powerful high-performance computing resources in support of COVID-19 research. You also may have heard we are helping cities and states provide mobility tools to support both government workers and students who have been sent to work from home.\u003c/p\u003e\n\n\u003cp\u003eCollectively, we are marshalling our resources and bringing the right communities of experts to work together: governments, scientists, developers, partners, academic institutions, health agencies, and IBMers. We\u0026rsquo;re managing through the COVID-19 outbreak doing what we do best\u0026mdash;applying data, knowledge, insights, and even raw compute power to solve problems. Together, as a community, we can find our way through this.\u003c/p\u003e\n\n\u003cp\u003eIn the past few weeks, we have been collaborating with many of our government clients and driving action across three critical aspects of their response strategies.\u003c/p\u003e\n\n\u003cul\u003e\n\t\u003cli\u003e\u003cstrong\u003eImmediate response: \u003c/strong\u003eHow can we work together to most effectively manage the immediate crisis, and the impacts to our citizens and overall mission? The core issues governments are facing in the next 30 days center on situational awareness and emergency management, continuity of government operations, and citizen engagement and care. IBM is helping to address these three areas through: \u0026nbsp;\u003c/li\u003e\n\u003c/ul\u003e\n\n\u003col\u003e\n\t\u003cli\u003eCognitive analytics to understand what is happening right now, predict where the virus will spread, and match resources to demand\u003c/li\u003e\n\t\u003cli\u003eMobility tools and infrastructure to ease the intensifying strain on citizen services, coupled with a reduced workforce capacity resulting from work-from-home hurdles and restricted citizen movement\u003c/li\u003e\n\t\u003cli\u003eCognitive assistant and self-service tools so agencies can confidently provide services to help maintain physical and mental health, income and public safety.\u003c/li\u003e\n\u003c/ol\u003e\n\n\u003cul\u003e\n\t\u003cli\u003e\u003cstrong\u003eRecover and rebuild: \u003c/strong\u003eAs society moves past the immediate 30- to 45-day response, the next set of questions will cover a wide range of issues, including how we can rebuild agencies\u0026rsquo; confidence, enable citizens to get back to work; get the private sector back to full output; and shorten the length of the downturn. Technology and process transformation have big roles to play in effectively making that happen. In support, IBM is offering expanded emergency operations, along with our social program management and healthcare capabilities.\u003cbr /\u003e\n\t\u0026nbsp;\u003c/li\u003e\n\t\u003cli\u003e\u003cstrong\u003eOptimize for the new normal: \u003c/strong\u003eHow can we help you as your business processes evolve, and you begin to seek better ways to operate? We are watching entire industries transform right before our eyes. As society moves down the backside of the curve, do we think government agencies and citizens will accept returning to the old normal? Probably not. Most likely, agencies will start re-imagining everything. They will ask, what happened and why? How will we avoid this in the future? What did we learn about how we could work remotely? What processes and systems helped, and which became obstacles? Which parts of my agency or business need to be redesigned completely? How do I evaluate my adaptability and resiliency, so I am better prepared in the future for unforeseen events? \u0026nbsp;\u003c/li\u003e\n\u003c/ul\u003e\n\n\u003cp\u003eHelping government agencies address these questions\u0026mdash;and then putting the answers into action with design thinking, agile development, cognitive process automation, and \u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/report/draction\" target=\"_blank\"\u003eDigital Reinvention\u0026reg;\u003c/a\u003e\u0026mdash;is at the core of what IBM brings to government.\u003c/p\u003e\n\n\u003cp\u003eDuring times of severe and unprecedented crises, governments need to take prompt action in a decisive manner\u0026mdash;even in the face of limited information. Given the complexity and dynamics of managing through this extraordinary global crisis, it is expected that priorities will quickly evolve. And the sharpest focus will be on the most immediate societal issues at any specific moment. These are the times when extreme collaboration and sharing world-class capabilities can quickly and effectively have the greatest impact.\u003c/p\u003e\n\n\u003cp\u003eA final note: During my time as a first responder, a mantra was drilled into my head: \u0026ldquo;The first rule of emergency management is, do not become part of the emergency.\u0026rdquo; I hope you stay safe in the days ahead and get time with your family and loved ones. At IBM, we know that those who work for the government fill critically important roles in our society, and it is essential that you take care of yourself and the teams you lead.\u0026nbsp;\u003c/p\u003e\n\n\u003cp\u003eIf you would like to hear more, please feel free to contact me or check out our \u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/report/covid-19-action-guide\" target=\"_blank\"\u003eCOVID-19 Action Guide\u003c/a\u003e. We are in this together\u0026mdash;and our joint commitment to accelerate society\u0026rsquo;s recovery\u003cstrong\u003e \u003c/strong\u003ewill make it a better world.\u003c/p\u003e\n","approved":true,"image_alt":"Government will play a crucial role in managing the COVID-19 crisis.","thumbnail_alt":"Government will play a crucial role in managing the COVID-19 crisis.","hideRelatedBlogs":false,"createdAt":"2020-04-02T09:44:45.056Z","updatedAt":"2022-03-06T10:21:21.491Z","author":[{"id":866,"name":"Timothy Paydos","email":"tpaydos@us.ibm.com","twitter":"https://twitter.com/timpaydos","facebook":"","linkedin":"https://www.linkedin.com/in/tim-paydos-857197/","featured":false,"priority":0,"title":"Vice President and General Manager, Government Industry Global Sales, IBM","image_alt":"Tim Paydos","place_of_employment":"","bio":"","createdAt":"2020-11-27T10:37:07.256Z","updatedAt":"2023-07-06T10:40:36.782Z","image":{"id":7738,"name":"paydos-hs.jpg","alternativeText":null,"caption":null,"width":508,"height":508,"formats":null,"hash":"paydos_hs_de88bb2e89","ext":".jpg","mime":"image/jpeg","size":22.39,"url":"/thought-leadership/institute-business-value/uploads/en/paydos_hs_de88bb2e89","previewUrl":null,"provider":"ibv-cos","provider_metadata":null,"createdAt":"2022-07-12T03:38:31.326Z","updatedAt":"2022-07-12T03:38:31.470Z"}}],"image":{"id":7104,"name":"d54f347f99ad45498e393bf37fc13fd5.webp","alternativeText":null,"caption":null,"width":2000,"height":500,"formats":null,"hash":"d54f347f99ad45498e393bf37fc13fd5_0a12490227","ext":".webp","mime":"image/webp","size":27.34,"url":"/thought-leadership/institute-business-value/uploads/en/d54f347f99ad45498e393bf37fc13fd5_0a12490227","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:21:21.242Z","updatedAt":"2022-03-06T10:21:21.452Z"},"thumbnail":{"id":6358,"name":"2c32048210394d5cac60ceabb0b7a90e.webp","alternativeText":null,"caption":null,"width":729,"height":359,"formats":null,"hash":"2c32048210394d5cac60ceabb0b7a90e_b210d15ec2","ext":".webp","mime":"image/webp","size":13.06,"url":"/thought-leadership/institute-business-value/uploads/en/2c32048210394d5cac60ceabb0b7a90e_b210d15ec2","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:21:09.651Z","updatedAt":"2022-03-06T10:21:09.939Z"},"mlinks":{"id":75,"prompt":"covid-19-category","offer1":"In a global crisis, the right solutions can help you navigate uncertainty, adapt to changing conditions and become more resilient.","action1":"Business solutions for COVID-19 disruption","link1":"https://www.ibm.com/impact/covid-19/business-solutions","offer2":"Work safe, work smart, and guard the health, safety and productivity of your people in a changing workplace.","action2":"Watson Works","link2":"https://www.ibm.com/watson/watson-works","offer3":"Get the latest IBM insights, updates and offerings, 24/7.","action3":"IBM response to COVID-19","link3":"https://www.ibm.com/thought-leadership/covid19","locale":"en-us","createdAt":"2020-03-23T14:09:07.432Z","updatedAt":"2022-09-07T21:29:34.173Z"},"assets":[]},{"id":26,"slug":"covid-19-hits-retailers-hard","title":"COVID-19 is hitting retailers hard","subtitle":"","date":"2020-03-31T12:00:00.000Z","blurb":"The ripple effect from COVID-19 will create opportunities for retailers to better serve customers and design more agile, resilient, and sustainable business.\n","content":"\u003cp\u003eThe world of retail has changed almost overnight.\u003c/p\u003e\n\n\u003cp\u003eI\u0026rsquo;m writing from New York City, where just over two weeks ago, life was pretty normal. I was working with one client on merchandising process reinvention, talking to another about how hyperlocal insights can drive footfall to their factory outlet stores, and beginning to craft a presentation on where retail is headed in the 2020s.\u003c/p\u003e\n\n\u003cp\u003eThen, everything changed. Inbound air traffic from Europe to the US was halted. The NBA \u003ca href=\"https://www.nbcnews.com/news/us-news/nba-suspends-remainder-season-coronavirus-spreads-n1156156\" target=\"_blank\"\u003esuspended its season\u003c/a\u003e. \u0026ldquo;America\u0026rsquo;s Dad,\u0026rdquo; Tom Hanks, and other public figures \u003ca href=\"https://www.latimes.com/entertainment-arts/story/2020-03-17/coronavirus-celebrities-tom-hanks-idris-elba\" target=\"_blank\"\u003eshared their COVID-19 diagnoses\u003c/a\u003e. By the weekend, Europe had effectively shut down, as had many parts of the US. Worldwide, offices and schools were closed or shifting to virtual environments. The growing pandemic began to feel very real.\u003c/p\u003e\n\n\u003cdiv class=\"ckeditor-html5-video\" data-responsive=\"true\" style=\"text-align:center\"\u003e\n\u003cvideo controls=\"controls\" controlslist=\"nodownload\" poster=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/c96e114ca81e4c89ac0df0968e838cb6.jpg\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/802e0249b4014ccf8d038fd671eb36d9.mp4\" style=\"max-width: 100%; height: auto;\" width=\"660\"\u003e\u0026nbsp;\u003c/video\u003e\n\u003c/div\u003e\n\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\n\n\u003cp\u003eWithin a week, the retail industry had bifurcated into two segments: \u0026ldquo;essential\u0026rdquo; and \u0026ldquo;non-essential.\u0026rdquo;\u0026nbsp;\u003c/p\u003e\n\n\u003cp\u003eFor \u003cem\u003eessential\u003c/em\u003e stores (grocery, pharmacy, and household supplies), every day was like Black Friday as consumers bought up disinfectants, meat, pasta, and lots of toilet paper. This drove herculean efforts to source products and override replenishment systems to get goods to where they were needed most. Many announced massive near-term hiring plans to keep stores running and ramp up deliveries.\u003c/p\u003e\n\n\u003cp\u003eFor \u003cem\u003enon-essential\u003c/em\u003e retailers (apparel, home furnishings, and malls), it was the opposite. As stores were closed, it became a drastic race to conserve cash. Orders were cancelled, projects were halted, and many associates were furloughed or laid off.\u003c/p\u003e\n\n\u003cp\u003eAs our industry navigates through these unprecedented times, here are some initial thoughts on how we see it unfolding and what retailers are (or will be) doing to run their businesses, understand how their customers are feeling, take care of their workforces, and support their partners.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eThinking about the challenge\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eWe see this crisis evolving over three stages:\u003c/p\u003e\n\n\u003col\u003e\n\t\u003cli\u003e\u003cstrong\u003eNavigating the disruption\u003c/strong\u003e (the first 30 days)\u0026mdash;US retailers are going through this right now; Europe is two weeks ahead; China went through this in January. For both essential and non-essential retailers, the primary focus is on business continuity, setting up new ways of working, and communicating with everyone.\u003c/li\u003e\n\t\u003cli\u003e\u003cstrong\u003eManaging in the not-so-normal normal\u003c/strong\u003e (the next three to six months)\u0026mdash;For essential retailers, this is about readjusting to quasi-normalized demand patterns. For non-essential retailers, focus shifts to driving sales while most or all stores remain closed. And for all, it\u0026rsquo;s a doubling-down on digital as a means of engagement, commerce, and operations.\u003c/li\u003e\n\t\u003cli\u003e\u003cstrong\u003eThe path to the next normal\u003c/strong\u003e (too soon to tell)\u0026mdash;As retailers see the crisis beginning to abate, they will begin working on \u0026ldquo;what\u0026rsquo;s next\u0026rdquo;: how shopping behavior will change; what consumers will expect from stores and brands; and the changes that will be required to their business operating models to thrive in the new environment.\u003c/li\u003e\n\u003c/ol\u003e\n\n\u003cp\u003e\u003cstrong\u003eThe path forward\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eWhile it\u0026rsquo;s too soon to fully understand the implications \u003ca href=\"https://www.who.int/emergencies/diseases/novel-coronavirus-2019\" target=\"_blank\"\u003eCOVID-19\u003c/a\u003e will have on the retail industry, let alone on society as a whole, here are some things that are likely to occur:\u003c/p\u003e\n\n\u003col\u003e\n\t\u003cli\u003e\u003cstrong\u003eConsumers come back. \u003c/strong\u003eUnless we remain under \u0026ldquo;shutdown\u0026rdquo; conditions for 12+ months, many habitual behaviors will return. People will go out to eat, travel on airplanes, work in offices, go to sporting events, and yes, shop in stores and malls.\u003c/li\u003e\n\t\u003cli\u003e\u003cstrong\u003eExcept when they don\u0026rsquo;t.\u003c/strong\u003e While there will be a return to the physical, it won\u0026rsquo;t likely get back to where it was. Many consumers will find that digital is just fine, and sometimes even better. We\u0026rsquo;ll see an inflection point in digital grocery and consumables as shopping, buying, and fulfillment become unbundled. And digital engagement will accelerate across the industry, driving a further round of store and mall closures.\u003c/li\u003e\n\t\u003cli\u003e\u003cstrong\u003eClean gets critical. \u003c/strong\u003eAs consumers equate clean with safe, retailers will have to step up their cleanliness efforts and proactively share this information. Third-party certification services will emerge as consumers rate and review store cleanliness on their own.\u003c/li\u003e\n\t\u003cli\u003e\u003cstrong\u003eTraceability becomes table stakes. \u003c/strong\u003eBasic package tracking is just the beginning.\u0026nbsp; Consumers will demand to know where their products were sourced, made or grown; or the track record (quality, timeliness, cleanliness, safety, sustainability) of everyone involved every step of the way. Full \u0026ldquo;farm to table\u0026rdquo; transparency will move from being \u0026ldquo;nice to have\u0026rdquo; to a critical requirement.\u003c/li\u003e\n\t\u003cli\u003e\u003cstrong\u003eCorporate Darwinism rears its head. \u003c/strong\u003eIn times of crisis, companies quickly separate into those that thrive, those that survive, and those that disappear. The winners will leverage their advantage to acquire new businesses, brands, or capabilities in order to expand their businesses and/or create operating leverage.\u003c/li\u003e\n\t\u003cli\u003e\u003cstrong\u003eA new wave of innovation. \u003c/strong\u003eEvery downturn produces a new wave of innovation that propels the next business cycle. Some will center around customer engagement (for example, associates selling via video), others on supply chain (hyperlocal demand forecasting integrated upstream with merchandising and production), and others around enterprise data and operations (voice-driven, real-time analytics).\u003c/li\u003e\n\u003c/ol\u003e\n\n\u003cp\u003eRetail has always been local, largely centered around the physical store (location! location! location!). And location is still critical, but the focus needs to shift from the store to the customer. COVID-19 has shown the need to run the entire business locally, driven by the ability to predict neighborhood-level demand, and to adjust inventory and operations accordingly. To date, no one has been able to do this at scale. This will create a ripple effect that will transform the way the industry operates, creating opportunities to better serve customers and design more agile, resilient, and sustainable business.\u003c/p\u003e\n\n\u003cp\u003eWe understand these are challenging times. As a 109-year-old company, IBM has supported our clients through many crises. To assist in this one, we are \u0026ldquo;all hands on deck,\u0026rdquo; deploying our people and capabilities wherever needs exist. We have compiled a set of leading practices and recommendations into our \u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/report/covid-19\" target=\"_blank\"\u003eCOVID-19 Action Guide\u003c/a\u003e and we welcome the opportunity to help you address any business challenge.\u003c/p\u003e\n","approved":true,"image_alt":"The COVID-19 coronavirus is hitting retailers hard.","thumbnail_alt":"The COVID-19 coronavirus is hitting retailers hard.","hideRelatedBlogs":false,"createdAt":"2020-03-31T09:54:06.498Z","updatedAt":"2022-06-03T00:56:07.819Z","author":[{"id":104,"name":"Karl Haller","email":"karl.haller@us.ibm.com","twitter":"","facebook":"","linkedin":"https://www.linkedin.com/in/karlhaller/","featured":false,"priority":0,"title":"Global Leader for the IBM Consulting Consumer Center of Competency","image_alt":"Karl Haller","place_of_employment":"","bio":"","createdAt":"2018-12-01T12:32:53.040Z","updatedAt":"2023-04-12T15:23:04.838Z","image":{"id":1434,"name":"QkhT0DT83d4fGFzCpSZpWCBu","alternativeText":null,"caption":null,"width":null,"height":null,"formats":null,"hash":"b12ab69a38464770a127f64a683f2c29","ext":".jpg","mime":"image/jpeg","size":20.14,"url":"/thought-leadership/institute-business-value/uploads/en/b12ab69a38464770a127f64a683f2c29.jpg","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2020-03-31T11:00:52.104Z","updatedAt":"2020-03-31T11:00:52.114Z"}}],"image":{"id":7387,"name":"0bfc93f5dc994e249790940e1dd31181.webp","alternativeText":null,"caption":null,"width":2000,"height":500,"formats":null,"hash":"0bfc93f5dc994e249790940e1dd31181_72680777ae","ext":".webp","mime":"image/webp","size":43.57,"url":"/thought-leadership/institute-business-value/uploads/en/0bfc93f5dc994e249790940e1dd31181_72680777ae","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:21:21.025Z","updatedAt":"2022-03-06T10:21:21.176Z"},"thumbnail":{"id":6989,"name":"17591579ce5c4ca98b927c9844a1f9b8.webp","alternativeText":null,"caption":null,"width":729,"height":359,"formats":null,"hash":"17591579ce5c4ca98b927c9844a1f9b8_3e3a7e61dc","ext":".webp","mime":"image/webp","size":19.75,"url":"/thought-leadership/institute-business-value/uploads/en/17591579ce5c4ca98b927c9844a1f9b8_3e3a7e61dc","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:21:08.138Z","updatedAt":"2022-03-06T10:21:08.402Z"},"mlinks":null,"assets":[]},{"id":22,"slug":"covid-19-travel-industry","title":"Facing uncertainty, the travel industry is focusing on COVID-19 relief","subtitle":"","date":"2020-03-27T12:00:00.000Z","blurb":"Many travel companies have redoubled their commitments to help the communities they serve during these difficult times.\n","content":"\u003cp\u003eChallenging times are revelatory. The true character of a leader, the strength of a bond between friends, and the depth of commitment from a partner are rarely proven in the good times but are more often forged in the crucible of loss, threat, and adversity. Fortunately, the current crisis has provided ample evidence that many companies in the travel industry\u0026mdash;the very airlines, hotels, and other providers that are so closely associated with many of our best personal memories\u0026mdash;can be counted on to do what needs to be done, even as they ponder their own fates.\u003cbr /\u003e\n\u003cbr /\u003e\nWhile it is indisputable that the travel industry has suffered through hard times in the past \u0026mdash;few industries were as severely impacted by the terror attacks of 9/11 in the US or the spread of SARS\u0026mdash;never have exogenous factors dealt quite such a severe blow. Air and passenger rail travel demand has fallen to near zero, hotels in many regions are virtually empty, and many cruise ships are literally sailing the seas in search of a welcome place to dock. The World Travel and Tourism Council estimates that up to 75 million jobs are at immediate risk and Travel and Tourism may suffer \u003ca href=\"https://www.wttc.org/-/media/files/wttc-coronavirus-brief-external-2603.pdf?la=en\" target=\"_blank\"\u003eup to $2.1 trillion USD losses in GDP this year\u003c/a\u003e. Few countries have been spared, and travel companies in every corner of the globe have been brought low by this crisis.\u003c/p\u003e\n\n\u003cdiv class=\"ckeditor-html5-video\" data-responsive=\"true\" style=\"text-align:center\"\u003e\n\u003cvideo controls=\"controls\" controlslist=\"nodownload\" poster=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/29a0dab587d34777ab793fb8648236e3.jpg\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/7754a3fc51af47b99ca33d55beb76445.mp4\" style=\"max-width: 100%; height: auto;\" width=\"660\"\u003e\u0026nbsp;\u003c/video\u003e\n\u003c/div\u003e\n\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eCommunity commitment\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eBut despite these grim realities of lost revenue, steep financial losses, and the many gut-wrenching furloughs that have and will continue to occur, several industry players have shown commendable leadership. Many travel companies have redoubled their commitments to help the communities they serve pulling though these difficult times.\u003c/p\u003e\n\n\u003cp\u003eIf, for example, 60 percent of the US population falls sick and the virus continues to spread, then within six months the nation would require \u003ca href=\"https://globalhealth.harvard.edu/news/hghi-launches-regionalized-capacity-estimates-collaboration-propublica%C2%A0-new-york-times-and\" target=\"_blank\"\u003emore than seven times the number of available hospital beds\u003c/a\u003e. Unprecedented demand for hospital rooms, beds, and critical health services equipment\u0026mdash;coupled with a lack of available supply\u0026mdash;is putting lives at risk. IBM is collaborating with hotels and healthcare agencies to elevate their responses to COVID-19 by enabling a more efficient use of beds and additional rooms. Access to rooms and beds across the hospitality industry for healthcare workers, military, families, and non-infectious/non-critical patients could save lives, so IBM is proud to lend our technical support to our clients to help make their hospitality assets available when and where they can do the most good for our communities.\u003c/p\u003e\n\n\u003cp\u003eAmerican Airlines operated its first cargo-only flight in over 35 years, as the airline is utilizing passenger routes to get medical supplies and other materials to areas of need. The first cargo-only flight departed Dallas-Fort Worth airport on March 20 carrying \u003ca href=\"http://news.aa.com/news/news-details/2020/American-Airlines-Announces-Cargo-Only-Flights-to-Help-Keep-Business-Moving-OPS-DIS-03/default.aspx\" target=\"_blank\"\u003emedical supplies to Frankfurt, Germany.\u003c/a\u003e United Airlines also started flying cargo-only flights March 19 to help get critical goods into the hands of the businesses and \u003ca href=\"https://hub.united.com/united-cargo-flights-support-customers-2645563015.html\" target=\"_blank\"\u003epeople who need them most.\u003c/a\u003e Airlines are utilizing their network capabilities and personnel to transport vital supplies.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eFlexible solutions\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eTravel industry employees also are making sacrifices. Thousands of employees across the passenger rail, airline, hospitality, and ground service sectors continue to perform their responsibilities as continued operation of trains, planes, and automobiles are helping to get much needed people and supplies where they are most necessary. Even though service frequency has been severely diminished, these essential links are an important part of our collective fight against this virus. To aid in these efforts, IBM will continue to help our client leaders reposition unused assets, ease the transition to an at-home workforce, and optimize employee and network schedules to get lifesaving supplies to those in need.\u003c/p\u003e\n\n\u003cp\u003eWhile it is clear that the travel industry has been severely impacted by current events and will be fundamentally reshaped, it is also apparent that this crisis is showing the public our industry\u0026#39;s true colors and resolve. Previous challenges have molded the travel industry for the better, and there is every reason to hope that the same will be true this time around. Adversity is testing the mettle of the travel industry and its leaders, but as we emerge from the shadow of COVID-19 we would do well to remember the commitment the industry showed to our communities during its darkest hours.\u003c/p\u003e\n\n\u003cp\u003eTo support our clients, IBM has gathered together a set of best practices and recommendations focused around four key priority areas: employees, customers and partners, finance and operations and community. \u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/report/covid-19\" target=\"_blank\"\u003eClick here\u003c/a\u003e to access our COVID-19 Action Guide and related resources.\u003c/p\u003e\n","approved":true,"image_alt":"COVID-19 Travel Industry","thumbnail_alt":"COVID-19 Travel Industry","hideRelatedBlogs":false,"createdAt":"2020-03-27T20:03:27.049Z","updatedAt":"2022-06-03T00:14:51.544Z","author":[{"id":236,"name":"Greg Land ","email":"greg.land@us.ibm.com","twitter":"","facebook":"","linkedin":"https://www.linkedin.com/in/gregland","featured":false,"priority":0,"title":"IBM Global Industry Leader, Aviation, Hospitality and Travel Related Services","image_alt":"Greg Land","place_of_employment":"","bio":"","createdAt":"2018-12-01T12:32:54.107Z","updatedAt":"2022-05-31T14:56:07.309Z","image":{"id":1397,"name":"_Nyv430Z5-eZnw0c14hP6QFg","alternativeText":null,"caption":null,"width":null,"height":null,"formats":null,"hash":"8ee779258d5a4838abc5da3695f5695f","ext":".png","mime":"image/png","size":283.63,"url":"/thought-leadership/institute-business-value/uploads/en/8ee779258d5a4838abc5da3695f5695f.png","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2020-03-28T10:36:19.787Z","updatedAt":"2020-03-28T10:36:19.798Z"}}],"image":{"id":7534,"name":"2aefc3a98d8c41abb61bab953d90c954.webp","alternativeText":null,"caption":null,"width":2000,"height":500,"formats":null,"hash":"2aefc3a98d8c41abb61bab953d90c954_443e439d62","ext":".webp","mime":"image/webp","size":72.62,"url":"/thought-leadership/institute-business-value/uploads/en/2aefc3a98d8c41abb61bab953d90c954_443e439d62","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:21:15.367Z","updatedAt":"2022-03-06T10:21:15.417Z"},"thumbnail":{"id":6119,"name":"b443cae2b9ca421eb3356fcc08bf5e08.webp","alternativeText":null,"caption":null,"width":729,"height":359,"formats":null,"hash":"b443cae2b9ca421eb3356fcc08bf5e08_417d6864d6","ext":".webp","mime":"image/webp","size":34.13,"url":"/thought-leadership/institute-business-value/uploads/en/b443cae2b9ca421eb3356fcc08bf5e08_417d6864d6","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:20:59.698Z","updatedAt":"2022-03-06T10:20:59.743Z"},"mlinks":null,"assets":[]},{"id":40,"slug":"covid-19-services-challenges","title":"How IBM Consulting is supporting China clients in the wake of COVID-19","subtitle":"","date":"2020-03-25T12:00:00.000Z","blurb":"An IBM leader in China describes the challenges he and his team encountered during the coronavirus disease 2019 (COVID-19) pandemic, and how all of us can prepare for the future.\n","content":"\u003cp\u003eFirst of all, I hope everyone reading this blog and your families are keeping safe and staying healthy everywhere in the world.\u003c/p\u003e\n\n\u003cp\u003e\u003ca href=\"https://www.who.int/emergencies/diseases/novel-coronavirus-2019\" target=\"_blank\"\u003eThe Novel Coronavirus 2019 (COVID-19)\u003c/a\u003e has impacted China for just over two months now. We have a sizable team in this region and, similar to our clients and other organizations, we have been working tirelessly to ensure that our people are protected, that any impact to our work with our clients is mitigated and that our business continuity is well-managed.\u003c/p\u003e\n\n\u003cp\u003eWhile there has been \u003ca href=\"https://www.cnbc.com/2020/03/24/china-to-lift-lockdown-on-wuhan-city-epicenter-of-coronavirus-outbreak.html\" target=\"_blank\"\u003esignificant progress in containing the situation across Greater China\u003c/a\u003e, it is evident that we have a long way to go before we return to any state that resembles full normality. And there is little doubt that the return to a regular working environment will be a \u0026ldquo;new normal,\u0026rdquo; different in many ways from the one we knew before the current situation.\u003c/p\u003e\n\n\u003cdiv class=\"ckeditor-html5-video\" data-responsive=\"true\" style=\"text-align:center\"\u003e\n\u003cvideo controls=\"controls\" poster=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/6104c168fe24499fa9c787c35d5f5390.jpg\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/529e1aa2d5fe48bd9f00368afaa284d9.mp4\" style=\"height:auto; max-width:100%\" width=\"670\"\u003e\u0026nbsp;\u003c/video\u003e\n\u003c/div\u003e\n\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\n\n\u003cp\u003eDuring this extraordinary period, I have proudly witnessed IBMers and our IBM teams \u003ca href=\"https://www.ibm.com/thought-leadership/covid19/\" target=\"_blank\"\u003erobustly pushing forward\u003c/a\u003e to continue addressing our clients\u0026rsquo; mission-critical needs in China. When delivering professional services from their homes, from hotels in self-quarantine, and at our clients\u0026rsquo; facilities where possible, our teams are facing very restrictive and difficult circumstances. The creativity and persistence with which the team has overcome these challenges has been nothing short of impressive. Here are just a few examples:\u003c/p\u003e\n\n\u003cul\u003e\n\t\u003cli\u003eThe IBM team supported and elevated the service level for equipment of one of our electronics clients in over 100 different hospitals (including in the pandemic epicenter of Wuhan), requiring careful orchestration, delivery and management of personal protection equipment for team members.\u003c/li\u003e\n\t\u003cli\u003eWe sustained our 24/7 business application support services for the payment systems of a major commercial bank operating in Asia by skillfully adapting remote and onsite resource deployment from multiple existing and new locations.\u003c/li\u003e\n\t\u003cli\u003eWe significantly modified, but still successfully executed, the launch of a new enterprise-wide operations and management business/process/application/data platform for a large agricultural and animal husbandry firm in a concerted fashion across multiple major cities of China\u0026ndash;despite severe and complex travel restrictions.\u003c/li\u003e\n\u003c/ul\u003e\n\n\u003cp\u003eThese represent just a small portion of our team\u0026rsquo;s selfless dedication and commitment to our clients and our business. Of course, by no means do I think that IBM is the only organization which is stepping up like this in China during this critical period. However, for me to personally be part of a team like this is immensely fulfilling.\u0026nbsp;\u003c/p\u003e\n\n\u003cp\u003eIBM is one of the largest, if not the very largest, professional technology consulting services organizations in China. With over 80 years of presence in the market, IBM has played an essential role in helping our clients and their industries evolve and transform through multiple eras of challenge and opportunity. We provide backbone technology and mission-critical enterprise transformations for some of the largest banks in China and, therefore, in the world.\u003c/p\u003e\n\n\u003cp\u003eUsing an agile, design-driven approach at record speed and quality, we helped a world-leading automotive manufacturer and brand envision and build an AI-infused smart mobility ecosystem business platform for China based on a modern hybrid multi-cloud architecture. We also partnered with a leading Chinese liquor producer to fundamentally transform its omnichannel distribution management business capability with a first-in-the-industry, end-to-end sales and marketing business platform. A large commercial financial institution pioneered with us to transform the \u003ca href=\"https://www.investopedia.com/terms/f/forfaiting.asp\" target=\"_blank\"\u003eforfaiting\u003c/a\u003e transaction management to drastically improve processing efficiency and information sharing based on next-generation process design and \u003ca href=\"https://www.ibm.com/blockchain\" target=\"_blank\"\u003eblockchain technology\u003c/a\u003e.\u003c/p\u003e\n\n\u003cp\u003eUnderlying many of the rapidly growing high-technology manufacturing and shop-floor operations in China is IBM\u0026rsquo;s industry-leading manufacturing execution management capability. A China-based digital gaming industry world leader leverages \u003ca href=\"https://www.ibm.com/cloud\" target=\"_blank\"\u003eIBM Cloud technology\u003c/a\u003e and services for its operational and architecture foundation for the majority of its overseas business. The above examples illustrate how privileged we have been to contribute to the continued development of China\u0026rsquo;s industry, business, and markets at this special time.\u003c/p\u003e\n\n\u003cp\u003e\u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/report/covid-19-action-guide\" target=\"_blank\"\u003eAs we look at the current and future landscape for our clients\u003c/a\u003e, the immediate health-related situation should be viewed in tandem with prevailing trade interactions, as well as any ongoing changes to the macro-economic status of China and other nations around the world. We are already seeing major changes to the issues faced by our clients and the needs they have across short-, medium-, and long-term horizons.\u003c/p\u003e\n\n\u003cp\u003eDemand, sales, and channels for many industries have been severely curtailed. Value and supply chains have been pervasively disrupted. Constraints and pressures on costs, cashflow, working capital, and liquidity are unprecedented. Business continuity has become challenged even with the best of plans. New digital and virtual ways of working, and new culture have suddenly become crucial for both white- and blue-collar working environments and interactions that were historically much more in-person and office-based in nature.\u003c/p\u003e\n\n\u003cp\u003eIt is clear that a new wave of digital transformation is needed to help our clients to securely navigate to the emerging new norm and cope with the constantly shifting reality that will stay fluid for multiple coming quarters. We are working closely with a number of our clients\u0026mdash;as well as \u003ca href=\"http://www.ibm.com/thought-leadership/institute-business-value/region/china\" target=\"_blank\"\u003eour IBM experts in China\u003c/a\u003e and globally\u0026mdash;to refine \u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/report/covid-19-action-guide\" target=\"_blank\"\u003eour hypothesis on the business requirements\u003c/a\u003e for the immediate- and longer-term future.\u003c/p\u003e\n\n\u003cp\u003eOur initial perspective is that the requirements of our clients and their industries continue to be well-founded in several key elements of our vision of \u0026ldquo;smarter businesses\u0026rdquo; with \u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/report/build-cognitive-enterprise\" target=\"_blank\"\u003eCognitive Enterprise\u003c/a\u003e as the framework:\u003c/p\u003e\n\n\u003cul\u003e\n\t\u003cli\u003eMarket-making business platforms,\u003c/li\u003e\n\t\u003cli\u003eIntelligent workflows, and\u003c/li\u003e\n\t\u003cli\u003eEnterprise experience and humanity.\u0026nbsp;\u003c/li\u003e\n\u003c/ul\u003e\n\n\u003cp\u003eOf course, given the current confluence of impacts and uncertainties, we also see accelerated and heightened imperatives and necessities for specific aspects. For instance, there is more use of exponential technologies such as \u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/technology/ai-cognitive\" target=\"_blank\"\u003eAI and intelligent/hyper-automation\u003c/a\u003e, \u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/technology/internet-of-things-iot\" target=\"_blank\"\u003eIoT\u003c/a\u003e, \u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/technology/blockchain\" target=\"_blank\"\u003eblockchain\u003c/a\u003e, \u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/technology/digital\" target=\"_blank\"\u003eedge computing, and 5G\u003c/a\u003e, especially in the space of workflows, culture and talent reinvention. All of these will take digital technologies into the core of work. More comprehensive designs and tactics for business resilience and risk management, and more aggressive adoption of next-generation architectures to process data to applications through to infrastructure.\u003c/p\u003e\n\n\u003cp\u003eWith our leadership role in the market and region, we feel a sense of purpose and mission to play our part in defining where our clients and their industries will head in China as they emerge through the different stages of the current COVID-19 situation. We will remain committed to this market, and we look forward to working with our clients to shape and realize their success for decades to come.\u003c/p\u003e\n","approved":true,"image_alt":"","thumbnail_alt":"","hideRelatedBlogs":false,"createdAt":"2020-03-25T09:48:03.260Z","updatedAt":"2022-03-06T10:21:05.677Z","author":[{"id":552,"name":"Chun Yin Mak","email":"cymak@hk1.ibm.com","twitter":"","facebook":"","linkedin":"https://www.linkedin.com/in/chun-yin-mak-438789/","featured":false,"priority":0,"title":"Managing Partner and General Manager, Greater China Group, IBM Consulting","image_alt":"Chun Yin Mak","place_of_employment":"","bio":"","createdAt":"2020-03-25T10:35:54.417Z","updatedAt":"2022-02-12T05:57:13.071Z","image":{"id":1408,"name":"Q916c8lkv1vfmP91yONHDnPH","alternativeText":null,"caption":null,"width":null,"height":null,"formats":null,"hash":"f418bcb694e744e5ab7d07e51fad4edc","ext":".png","mime":"image/png","size":182.59,"url":"/thought-leadership/institute-business-value/uploads/en/f418bcb694e744e5ab7d07e51fad4edc.png","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2020-03-25T10:39:38.456Z","updatedAt":"2020-03-25T10:39:38.467Z"}}],"image":{"id":6993,"name":"e896acb5b5364789af488de213e439b9.webp","alternativeText":null,"caption":null,"width":2000,"height":500,"formats":null,"hash":"e896acb5b5364789af488de213e439b9_2fb2de2269","ext":".webp","mime":"image/webp","size":166.99,"url":"/thought-leadership/institute-business-value/uploads/en/e896acb5b5364789af488de213e439b9_2fb2de2269","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:21:05.473Z","updatedAt":"2022-03-06T10:21:05.662Z"},"thumbnail":{"id":6297,"name":"cb54e78ec1d34b5bb56e10e9cdc667d3.webp","alternativeText":null,"caption":null,"width":729,"height":359,"formats":null,"hash":"cb54e78ec1d34b5bb56e10e9cdc667d3_39635c577f","ext":".webp","mime":"image/webp","size":54.23,"url":"/thought-leadership/institute-business-value/uploads/en/cb54e78ec1d34b5bb56e10e9cdc667d3_39635c577f","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:20:54.734Z","updatedAt":"2022-03-06T10:20:54.887Z"},"mlinks":{"id":75,"prompt":"covid-19-category","offer1":"In a global crisis, the right solutions can help you navigate uncertainty, adapt to changing conditions and become more resilient.","action1":"Business solutions for COVID-19 disruption","link1":"https://www.ibm.com/impact/covid-19/business-solutions","offer2":"Work safe, work smart, and guard the health, safety and productivity of your people in a changing workplace.","action2":"Watson Works","link2":"https://www.ibm.com/watson/watson-works","offer3":"Get the latest IBM insights, updates and offerings, 24/7.","action3":"IBM response to COVID-19","link3":"https://www.ibm.com/thought-leadership/covid19","locale":"en-us","createdAt":"2020-03-23T14:09:07.432Z","updatedAt":"2022-09-07T21:29:34.173Z"},"assets":[]},{"id":8,"slug":"conversation-mental-health","title":"Empowering a global conversation around mental health","subtitle":"Mental health is an important societal issue. The problem affects 1 in 5 of us and yet few people are comfortable talking about it. ","date":"2019-10-25T12:00:00.000Z","blurb":"Mental health is an important societal issue. The problem affects 1 in 5 of us and yet few people are comfortable talking about it.\n","content":"\u003cp\u003eBut increasingly, governments and corporations are facing the reality that talking about mental illness is essential.\u0026nbsp; It is a huge drag on both businesses and economies. Just two common conditions, depression and anxiety, cost the global economy \u003ca href=\"https://www.who.int/mental_health/in_the_workplace/en/\"\u003e\u003cem\u003eUS$ 1 trillion every year\u003c/em\u003e in lost productivity\u003c/a\u003e. The total cost of the global mental health crisis is estimated to reach \u003ca href=\"https://www.reuters.com/article/ushealth-%20%20mental-global/mental-health-crisis-could-costthe-%20%20world-16-trillion-by-2030-idUSKCN1MJ2QN\"\u003e\u003cem\u003eUS$ 16 trillion\u003c/em\u003e by the year 2030\u003c/a\u003e.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eSo how can we encourage a conversation?\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eThe IBM Institute for Business Value has published a \u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/report/mental-health-tech\"\u003epaper\u003c/a\u003e on how technology and data can reduce stigma and improve access to mental health resources. It was written with leaders from government, academia, and business.\u0026nbsp;\u003c/p\u003e\n\n\u003cul\u003e\n\t\u003cli\u003e\u003ca href=\"https://www.linkedin.com/in/aimee-johnson-037b794/\"\u003eAimee Johnson\u003c/a\u003e, US Veterans Administration Office of Suicide Prevention\u003c/li\u003e\n\t\u003cli\u003eDr. Heather Stuart, \u0026nbsp;Professor of Public Health at Queens University in Toronto\u003c/li\u003e\n\t\u003cli\u003e\u003ca href=\"https://www.linkedin.com/in/dr-lydia-campbell-26345613/\"\u003eDr. Lydia Campbell\u003c/a\u003e, Chief Medical Officer for IBM Corporate Health and Safety\u003c/li\u003e\n\u003c/ul\u003e\n\n\u003cp\u003eThe report considers personalized health management as a new frontier to help address the global crisis and reduce stigma. But, for technology to have a positive impact, it is critical to understand social, cognitive capability, and other differences of various populations to offer treatment options that work.\u0026nbsp;\u003c/p\u003e\n\n\u003cp\u003eIn addition, on October 10, 2019, \u003ca href=\"https://giveanhour.org/\"\u003eGiveAnHour.org\u003c/a\u003e and IBM hosted a massive online conversation about changing the culture around mental health. The goal was to look for ways of shifting the dynamic from one of stigma\u0026mdash;to one of openness and empowerment. Held on World Mental Health Day, more than 2000 people from around the world registered. Jammers included celebrities, leaders from veterans\u0026rsquo; communities and healthcare, corporations and athletics.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eImproving Access\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003e\u003ca href=\"http://linkedin.com/in/barbara-van-dahlen-a298205\"\u003eDr. Barbara Van Dahlen\u003c/a\u003e from the Veterans Administration was one of the top Jammers. She is the Executive Director of the PREVENTS Task Force, a multi-agency team building a US strategy to improve mental health and prevent suicide. She strongly believes that improving access to services is critical. Technology has a huge role there, according to Dr Van Dahlen.\u003c/p\u003e\n\n\u003cp\u003e\u0026ldquo;There really shouldn\u0026rsquo;t be ANY wrong door when someone who is suffering emotionally is seeking help or is in need of treatment. Through our efforts on the \u003ca href=\"https://www.va.gov/opa/pressrel/pressrelease.cfm?id=5321\"\u003ePREVENTS Task Force\u003c/a\u003e - we are seeing companies, universities, government agencies... all moving in this direction. The Departments of Defense and Veterans Affairs have long been embedding mental health consultation and care into primary care. We absolutely need to continue to move in this direction\u0026nbsp; - conversations that educate and identify how such resources that can be embedded - and the value of doing so - help move us forward.\u0026rdquo;\u003c/p\u003e\n\n\u003cp\u003eOn November 7, we will report on the full results of the jam at the Change Direction Conference in New York City.\u0026nbsp; In the meantime, \u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/report/mental-health-tech\"\u003ethe Institute of Business Value report is available today\u003c/a\u003e. Look out for future blogs where we will continue the conversation on this important topic.\u003c/p\u003e\n","approved":true,"image_alt":"Empowering a global conversation around mental health","thumbnail_alt":"Empowering a global conversation around mental health","hideRelatedBlogs":false,"createdAt":"2019-10-25T20:05:59.975Z","updatedAt":"2022-03-06T10:21:21.325Z","author":[{"id":548,"name":"Paul A. Dommel","email":"pdommel@us.ibm.com","twitter":"","facebook":"","linkedin":"https://www.linkedin.com/in/paul-dommel-6246441","featured":false,"priority":0,"title":"Global Director for Public Service, IBM","image_alt":"Paul A. Dommel","place_of_employment":"","bio":"","createdAt":"2019-10-25T20:18:30.055Z","updatedAt":"2021-11-11T21:14:26.866Z","image":{"id":3458,"name":"drommel.jpg","alternativeText":null,"caption":null,"width":200,"height":200,"formats":null,"hash":"drommel_2bc25afe50","ext":".jpg","mime":"image/jpeg","size":5.91,"url":"/thought-leadership/institute-business-value/uploads/en/drommel_2bc25afe50","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2021-10-23T00:21:29.386Z","updatedAt":"2021-10-23T00:21:29.491Z"}},{"id":251,"name":"Heather Fraser","email":"hfraser@uk.ibm.com","twitter":"https://twitter.com/HeatherEFraser","facebook":"","linkedin":"https://linkedin.com/in/heatherefraser","featured":false,"priority":0,"title":"Global Lead for Healthcare and Life Sciences, IBM Institute for Business Value","image_alt":"Heather Fraser","place_of_employment":"","bio":"","createdAt":"2018-12-01T12:32:53.514Z","updatedAt":"2023-03-14T08:14:03.857Z","image":{"id":1112,"name":"i8r8i_ITgs4YME11SUzPT9up","alternativeText":null,"caption":null,"width":null,"height":null,"formats":null,"hash":"d2e2d0903b96451c88082f63faf5332b","ext":".jpg","mime":"image/jpeg","size":22.31,"url":"/thought-leadership/institute-business-value/uploads/en/d2e2d0903b96451c88082f63faf5332b.jpg","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2019-12-10T02:33:38.722Z","updatedAt":"2019-12-10T02:33:38.761Z"}}],"image":{"id":7252,"name":"ec2a88f9326243a5964eb682d8a59795.webp","alternativeText":null,"caption":null,"width":2000,"height":500,"formats":null,"hash":"ec2a88f9326243a5964eb682d8a59795_d7470fb870","ext":".webp","mime":"image/webp","size":90.61,"url":"/thought-leadership/institute-business-value/uploads/en/ec2a88f9326243a5964eb682d8a59795_d7470fb870","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:21:21.000Z","updatedAt":"2022-03-06T10:21:21.250Z"},"thumbnail":{"id":6122,"name":"b37f1b6277ed487f8a880c5c73ffdc96.webp","alternativeText":null,"caption":null,"width":729,"height":359,"formats":null,"hash":"b37f1b6277ed487f8a880c5c73ffdc96_7b6aa26bee","ext":".webp","mime":"image/webp","size":44.97,"url":"/thought-leadership/institute-business-value/uploads/en/b37f1b6277ed487f8a880c5c73ffdc96_7b6aa26bee","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:21:05.393Z","updatedAt":"2022-03-06T10:21:05.676Z"},"mlinks":{"id":320,"prompt":"healthcare-category","offer1":"We can help Healthcare and Life sciences organizations successfully navigate digital transformation.","action1":"IBM Consulting","link1":"https://www.ibm.com/consulting","offer2":"The right solutions can help Healthcare organizations modernize and deliver better insights for better health.","action2":"Healthcare solutions","link2":"https://www.ibm.com/industries/healthcare","offer3":"IBM’s reference architecture for healthcare and life sciences defines a platform for delivering the highest levels of performance for big data workloads, while also lowering the total cost of IT ownership.","action3":"Life sciences solutions","link3":"https://www.ibm.com/industries/lifesciences","locale":"en-us","createdAt":"2019-10-19T06:32:49.034Z","updatedAt":"2022-08-25T20:13:08.340Z"},"assets":[]},{"id":9,"slug":"executives-invest-cloud-computing","title":"C-suite executives are ready to double-down on cloud computing","subtitle":"At a time when the hype around emerging technologies such as autonomous cars and augmented reality seems to be sky-high, C-suite executives are keeping their feet firmly on the ground when it comes to investing in a core area: cloud computing. ","date":"2019-05-06T12:00:00.000Z","blurb":"At a time when the hype around emerging technologies such as autonomous cars and augmented reality seems to be sky-high, C-suite executives are keeping their feet firmly on the ground when it comes to investing in a core area: cloud computing.\n","content":"\u003cp\u003eWhile it might not seem surprising that a majority of CxOs would prioritize such an essential technology, early data from IBM\u0026rsquo;s upcoming \u003ca href=\"http://ibm.com/csuitestudy\" target=\"_blank\"\u003eGlobal C-suite Study\u003c/a\u003e\u0026nbsp;shows that executives\u0026rsquo; interests are evolving beyond basic cloud solutions to more flexible and versatile ones, such as hybrid cloud.\u003c/p\u003e\n\n\u003cp\u003e\u003cimg alt=\"Technoogies that executives are investing in.\" height=\"428\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/dc65b76d47d64093bb33698aa83ffc48.jpg\" width=\"1241\" /\u003e\u003c/p\u003e\n\n\u003cp\u003eThe \u003ca href=\"http://ibm.com/ibv\" target=\"_blank\"\u003eIBM Institute for Business Value\u003c/a\u003e\u0026nbsp;is in the process of interviewing several thousand executives for the 20\u003csup\u003eth\u0026nbsp;\u003c/sup\u003eedition of its Global C-suite Study. About a third of the interviews have been completed. We will release some of the highlights from early data over the next few months, with the full study to be published toward the end of the year.\u003c/p\u003e\n\n\u003cp\u003eWe asked CxOs to identify the level of investment they have made in the past across a range of technologies \u0026ndash; from relatively mainstream ones to those that might be viewed as more futuristic. The data we are getting is consistent with the results from our previous C-suite Studies. The surveyed executives report that cloud computing, mobile apps and devices, and Internet of Things (IoT) technologies were their top three areas of investment over the past two to three years. But as shown in the chart above, roughly twice as many CxOs say they plan to invest significantly in exactly those same tried-and-trusted areas in the \u003cem\u003enext\u0026nbsp;\u003c/em\u003etwo to three years as well.\u003c/p\u003e\n\n\u003cp\u003eCloud computing, in particular, remains a top priority for C-suite executives \u0026ndash; irrespective of their roles. We are seeing organizations accelerate their shift away from a traditional data center model to embrace a cloud-based environment.\u003c/p\u003e\n\n\u003cp\u003e\u003cimg alt=\"cloud versus traditional data center\" height=\"235\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/ac868cfc40be4ac4b9aca6dcb50a36c5.jpg\" width=\"545\" /\u003e\u003c/p\u003e\n\n\u003cp\u003eSince nearly half of IT now resides in the cloud, cloud adoption has become mainstream, but it still shows tremendous growth potential. That growth will likely occur in the realm of hybrid cloud. IBM Asia-Pacific head Harriet Green talked about the \u0026ldquo;next chapter of cloud adoption\u0026rdquo; \u003ca href=\"https://www.computerweekly.com/news/252459179/IBMs-APAC-CEO-talks-up-next-chapter-of-cloud-adoption\" target=\"_blank\"\u003ein a recent interview with ComputerWeekly.com\u003c/a\u003e. During this next chapter, enterprises will need to manage multiple cloud environments \u0026mdash; private (operated solely for a single organization), community (shared between several organizations with common goals), and/or public (rendered over a network for open public use) \u0026mdash; and an amalgam of those environments, known as hybrid cloud, which is generating the most interest and excitement today.\u003c/p\u003e\n\n\u003cp\u003eWe asked the Chief Information Officers (CIOs) participating in the C-suite Study to break down their level of investment in hybrid cloud over the past two to three years, and to then estimate how their investment mix might change going forward.\u003c/p\u003e\n\n\u003cp\u003e\u003cimg alt=\"investment in hybrid cloud\" height=\"331\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/8856d2e8fcc442fba536105a2df8d19b.jpg\" width=\"499\" /\u003e\u003c/p\u003e\n\n\u003cp\u003eThe shift is dramatic: More than twice as many CIOs expect to invest \u0026ldquo;significantly\u0026rdquo; in hybrid cloud in the next two to three years as the number who said they\u0026rsquo;ve made that decision to date. Interest in cloud \u0026ndash; and hybrid cloud in particular \u0026ndash; is clearly not waning; its role as a source of strategic competitiveness is instead accelerating. To learn more about how your organization can benefit from hybrid cloud, \u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/technology/cloud\" target=\"_blank\"\u003eread our latest cloud research\u003c/a\u003e.\u003c/p\u003e\n\n\u003cp\u003e\u003cem\u003eThis blog is part of a monthly series that highlights preliminary findings and emerging trends from the 20\u003csup\u003eth \u003c/sup\u003eedition of the \u003ca href=\"https://www.ibm.com/consulting/insights/c-suite-study\" target=\"_blank\"\u003eIBM Global C-suite Study\u003c/a\u003e. The study features interviews with several thousand CxOs during 2019.\u003c/em\u003e\u003c/p\u003e\n","approved":true,"image_alt":"","thumbnail_alt":"","hideRelatedBlogs":false,"createdAt":"2019-08-28T21:37:20.956Z","updatedAt":"2022-03-06T10:21:20.553Z","author":[{"id":347,"name":"Stephen Marshall","email":"stephenm@nz1.ibm.com","twitter":"","facebook":"","linkedin":"https://ae.linkedin.com/in/stephenmarshall","featured":false,"priority":0,"title":"Global C-suite Study Programme Manager, Asia-Pacific IBM Consulting ","image_alt":"","place_of_employment":"","bio":"","createdAt":"2019-08-28T22:03:04.415Z","updatedAt":"2022-07-11T23:17:15.499Z","image":null}],"image":{"id":7485,"name":"dcb669331a394b8f94689613fed350c0.webp","alternativeText":null,"caption":null,"width":1440,"height":321,"formats":null,"hash":"dcb669331a394b8f94689613fed350c0_77794b5e2a","ext":".webp","mime":"image/webp","size":3.99,"url":"/thought-leadership/institute-business-value/uploads/en/dcb669331a394b8f94689613fed350c0_77794b5e2a","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:21:20.498Z","updatedAt":"2022-03-06T10:21:20.546Z"},"thumbnail":{"id":6416,"name":"0cbcc2233c53443ea692c511252513a2.webp","alternativeText":null,"caption":null,"width":3035,"height":1493,"formats":null,"hash":"0cbcc2233c53443ea692c511252513a2_12cb986b67","ext":".webp","mime":"image/webp","size":21.98,"url":"/thought-leadership/institute-business-value/uploads/en/0cbcc2233c53443ea692c511252513a2_12cb986b67","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:21:05.154Z","updatedAt":"2022-03-06T10:21:05.552Z"},"mlinks":{"id":195,"prompt":"digital-reinvention","offer1":"IBM helps organizations fundamentally redesign processes, experiences and infrastructure to create new sources of value and drive greater efficiencies through Digital Reinvention®. Our consultants help you apply advanced technologies embedded with AI, automation and analytics to modernize enterprise IT infrastructure and optimize operations. ","action1":"Visit ibm.com/cloud-adoption","link1":"https://www.ibm.com/consulting/cloud/strategy","offer2":"Discover a faster, more secure journey to cloud trusted by thousands of enterprises across 20 industries","action2":"Find out about IBM Cloud","link2":"https://www.ibm.com/cloud","offer3":null,"action3":null,"link3":null,"locale":"en-us","createdAt":"2019-08-28T22:13:18.275Z","updatedAt":"2021-07-23T04:11:49.672Z"},"assets":[]},{"id":14,"slug":"gender-equality-leadership","title":"Four steps can help your organization close the gender gap in leadership","subtitle":"Despite abundant evidence that gender equality in leadership is good for business, an overwhelming majority of organizations say advancing women into leadership roles is not a formal business priority, according to a new study from the IBM Institute for Business Value (IBV).","date":"2019-03-19T12:00:00.000Z","blurb":"Despite abundant evidence that gender equality in leadership is good for business, an overwhelming majority of organizations say advancing women into leadership roles is not a formal business priority, according to a new study from the IBM Institute for Business Value (IBV).\n","content":"\u003cp\u003eIn fact, women hold only 18 percent of senior leadership positions among 2,300 organizations surveyed worldwide. In other words, men occupy approximately 82 percent of the most influential roles in today\u0026rsquo;s organizations. And, partly because 79 percent of surveyed organizations say promoting women is not a formal business priority, it could take a while \u0026ndash; more than 50 years, respondents estimated \u0026ndash; to close this gap.\u003c/p\u003e\n\n\u003cdiv class=\"ckeditor-html5-video\" data-responsive=\"true\" style=\"text-align:center\"\u003e\n\u003cvideo controls=\"controls\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/603096d4aa594a039bd631c751812a48.mp4\" style=\"height:auto; max-width:100%\"\u003e\u0026nbsp;\u003c/video\u003e\n\u003c/div\u003e\n\n\u003cp\u003eBut companies can make changes to help turn the tide much faster, and there\u0026rsquo;s good reason for them to do so. \u003ca href=\"https://ibm.co/womenleaders\" target=\"_blank\"\u003eThe study\u003c/a\u003e\u0026nbsp;uncovered a small cohort of exceptional organizations (about 12 percent of respondents) that are more proactive in the push for gender equality in leadership \u0026ndash; and they report that they are outperforming their competition in profitability, revenue growth, innovation, and employee satisfaction. We call these organizations \u0026ldquo;First Movers.\u0026rdquo; They acknowledge their responsibility to take action and say they believe gender inclusiveness will result in enhanced organizational success. More than 80 percent have elevated gender-equitable leadership to a strategic business imperative. From our analysis of the First Movers, we have identified four key practices that can help other organizations close the gender gap in leadership:\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003e1. Provide career development planning specific to women\u0026rsquo;s needs.\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eFirst Movers recognize that women traditionally have been overlooked for leadership roles in part because of family commitments. Instead of using that as an excuse to deny them opportunities, they provide career development plans that support each woman\u0026rsquo;s unique requirements and professional aspirations.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003e2. Use the same metrics for men\u0026rsquo;s and women\u0026rsquo;s job performance evaluations and apply them equitably.\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eCompanies need to be clear about what constitutes job performance with measurable results. They shouldn\u0026rsquo;t rely on subjective assertions about an employee\u0026rsquo;s contribution that could be influenced by an evaluator\u0026rsquo;s conscious or unconscious bias.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003e3. Provide men and women with equal career opportunities.\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eCompanies need to make a concerted effort to identify women with high potential. It\u0026rsquo;s essential to recognize all qualified employees \u0026nbsp;for their potential and accomplishments\u0026mdash;and give them equal chances to advance their careers.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003e4. Create a corporate culture that embraces women\u0026rsquo;s leadership styles.\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eThis requires real action and accountability, and it starts at the top with senior leaders who are willing to include gender diversity as part of their strategic agenda. Executives across the organization should regularly and openly challenge gender-biased behaviors and language \u0026ndash; and be held accountable for gender equality.\u003c/p\u003e\n\n\u003cp\u003eRead \u003ca href=\"https://ibm.co/womenleaders\" target=\"_blank\"\u003ethe study\u003c/a\u003e to learn more about strategies that can help your organization address traditional barriers to women\u0026rsquo;s advancement, accelerate gender equality in leadership, and create an inclusive corporate culture where all employees have equal opportunities to grow their careers.\u003c/p\u003e\n","approved":true,"image_alt":"Four steps can help your organization close the gender gap in leadership","thumbnail_alt":"Four steps can help your organization close the gender gap in leadership","hideRelatedBlogs":false,"createdAt":"2019-08-29T01:27:11.606Z","updatedAt":"2022-06-03T00:49:11.997Z","author":[{"id":22,"name":"Lynn Kesterson-Townes","email":"lkt@us.ibm.com","twitter":"https://twitter.com/@LynnKesterson","facebook":"","linkedin":"https://linkedin.com/in/lynnkesterson","featured":false,"priority":0,"title":"Global Cloud \u0026 Quantum Leader, IBM Institute for Business Value, IBM Consulting","image_alt":"","place_of_employment":"","bio":"","createdAt":"2018-12-01T12:32:51.788Z","updatedAt":"2022-10-31T02:19:34.507Z","image":null}],"image":{"id":6597,"name":"aba9c52a77914dc5b6c9397b4340dad0.webp","alternativeText":null,"caption":null,"width":2000,"height":500,"formats":null,"hash":"aba9c52a77914dc5b6c9397b4340dad0_8abb76fa2c","ext":".webp","mime":"image/webp","size":22.59,"url":"/thought-leadership/institute-business-value/uploads/en/aba9c52a77914dc5b6c9397b4340dad0_8abb76fa2c","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:18:13.516Z","updatedAt":"2022-03-06T10:18:13.549Z"},"thumbnail":{"id":6250,"name":"3f3daaa19b4c48ac82a7a0c5a0ee01b2.webp","alternativeText":null,"caption":null,"width":3035,"height":1493,"formats":null,"hash":"3f3daaa19b4c48ac82a7a0c5a0ee01b2_8ba80032c9","ext":".webp","mime":"image/webp","size":71.55,"url":"/thought-leadership/institute-business-value/uploads/en/3f3daaa19b4c48ac82a7a0c5a0ee01b2_8ba80032c9","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:18:10.734Z","updatedAt":"2022-03-06T10:18:10.770Z"},"mlinks":{"id":152,"prompt":"womeninleadership","offer1":"IBM is helping clients transform their talent acquisition strategy and process so they can achieve their corporate vision for a diverse and inclusive workplace.","action1":"Talent Acquisition Services","link1":"https://www.ibm.com/consulting/talent-management","offer2":"Be Equal champions diversity and inclusion for everyone. Join us as we drive systemic, sustainable improvement for people in every community.","action2":"Learn about IBM's commitment to diversity and inclusion","link2":"https://www.ibm.com/impact/be-equal/","offer3":"P-TECH is a public education model that provides high school students from underserved backgrounds with the academic, technical, and professional skills and credentials they need for competitive STEM jobs.","action3":"Learn about the P-TECH education model","link3":"https://www.ibm.org/initiatives/p-tech","locale":"en-us","createdAt":"2019-04-06T03:09:03.214Z","updatedAt":"2023-12-13T18:48:10.204Z"},"assets":[]},{"id":1,"slug":"chros-reinvent-hr","title":"CHROs: It’s time to reinvent HR","subtitle":"Executives say they feel constant pressure to evolve their organizations. ","date":"2018-11-13T13:00:00.000Z","blurb":"Executives say they feel constant pressure to evolve their organizations. Chief human resources officers (CHROs) have one of the most crucial roles in this ongoing thrust toward rapid transformation: they must find, develop and keep the right talent to overcome organizational inertia and keep the company moving forward.\n","content":"\u003cp\u003eChief human resources officers (CHROs) have one of the most crucial roles in this ongoing thrust toward rapid transformation: they must find, develop and keep the right talent to overcome organizational inertia and keep the company moving forward.\u003c/p\u003e\n\n\u003cp\u003eThe \u003ca href=\"https://www.ibm.com/consulting/us/gbs/thoughtleadership/\" target=\"_blank\"\u003eIBM Institute for Business Value\u003c/a\u003e interviewed over 2,000 CHROs to better understand how they are responding to the call to step forward and enable the digital reinvention of their enterprises. \u003ca href=\"https://www.ibm.com/consulting/insights/c-suite-study/chro\" target=\"_blank\"\u003eOur research\u003c/a\u003e revealed that a group of high-performers, the Reinventors, are boldly reinventing HR from the inside out. Here\u0026rsquo;s how they\u0026rsquo;re doing it:\u003c/p\u003e\n\n\u003cp\u003e1. Reinventor CHROs are fostering an open, people-centric culture where employees are empowered to share ideas and take action. They know the benefits of an engaged workforce and are confidently creating experiences that meet the demands of their employees.\u003c/p\u003e\n\n\u003cp\u003e\u003cimg alt=\"CHROS know that employee experience impacts customers.\" height=\"433\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/9b0a87a5efd54d70948eb9e3e8283c2a.png\" width=\"768\" /\u003e\u003c/p\u003e\n\n\u003cp\u003e2. Reinventor CHROs have a laser focus on learning. They recognize that skills are now a competitive currency, and so they are emphasizing patterns of continuous, exponential learning for all employees.\u003c/p\u003e\n\n\u003cp\u003e\u003cimg alt=\"The right people and skills\" height=\"432\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/8d3ba82997c94b9996b080132dc57c1a.png\" width=\"768\" /\u003e\u003c/p\u003e\n\n\u003cp\u003e3.\u0026nbsp;Reinventor CHROs are catalysts for change. They are signing up for wholesale change across the HR function and in their roles to help make sure talent flourishes across the enterprise.\u003c/p\u003e\n\n\u003cp\u003eCHROs, this is your time.\u003c/p\u003e\n\n\u003cp\u003eStep forward and foster reinvention in the organization. Sharpen your focus on skills and curate an ethos of perpetual curiosity among your workforces. Put people first and empower employees in an open, dynamic culture. Commit to bold change in the HR function, and leverage data and artificial intelligence (AI) to gain competitive advantage in the talent sphere.\u003c/p\u003e\n","approved":true,"image_alt":"CHROs: It’s time to reinvent HR","thumbnail_alt":"CHROs: It’s time to reinvent HR","hideRelatedBlogs":false,"createdAt":"2019-08-29T01:49:23.045Z","updatedAt":"2022-03-06T10:21:20.080Z","author":[{"id":58,"name":"Janet Mertens","email":"jmertens@ca.ibm.com","twitter":"","facebook":"","linkedin":"https://www.linkedin.com/in/janet-mertens/","featured":false,"priority":0,"title":"Global HR Research Leader, IBM Institute for Business Value","image_alt":null,"place_of_employment":null,"bio":"","createdAt":"2018-12-01T12:32:54.185Z","updatedAt":"2022-10-30T05:29:21.547Z","image":null}],"image":{"id":7386,"name":"fb0cf52b5e2540ee8fd703477ca8dd7b.webp","alternativeText":null,"caption":null,"width":2000,"height":500,"formats":null,"hash":"fb0cf52b5e2540ee8fd703477ca8dd7b_8a86f7afa1","ext":".webp","mime":"image/webp","size":14.48,"url":"/thought-leadership/institute-business-value/uploads/en/fb0cf52b5e2540ee8fd703477ca8dd7b_8a86f7afa1","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:21:19.872Z","updatedAt":"2022-03-06T10:21:20.071Z"},"thumbnail":{"id":6992,"name":"167ae717efc74ee483ee834905e7060d.webp","alternativeText":null,"caption":null,"width":3035,"height":1493,"formats":null,"hash":"167ae717efc74ee483ee834905e7060d_c452bf2053","ext":".webp","mime":"image/webp","size":45.17,"url":"/thought-leadership/institute-business-value/uploads/en/167ae717efc74ee483ee834905e7060d_c452bf2053","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:21:05.157Z","updatedAt":"2022-03-06T10:21:05.551Z"},"mlinks":{"id":346,"prompt":"Organizations of the future are talent-centric and AI-powered","offer1":"IBM delivers outcomes and experiences to help enterprises realize the power of talent.","action1":"IBM's talent \u0026 transformation capabilities.","link1":"https://www.ibm.com/consulting/talent-management","offer2":"Your trusted business and technology partner for digital transformation.","action2":"Technology services","link2":"https://www.ibm.com/consulting","offer3":"Improve teaching effectiveness and learning outcomes","action3":"Education solutions","link3":"https://www.ibm.com/industries/education","locale":"en-us","createdAt":"2018-12-04T09:39:59.182Z","updatedAt":"2023-12-13T18:49:45.373Z"},"assets":[]},{"id":31,"slug":"cmos-new-marketing-mandate","title":"CMOs have a new marketing mandate","subtitle":"If ever there was a time for Chief Marketing Officers (CMOs) to take center stage, it’s now.","date":"2018-05-15T12:00:00.000Z","blurb":"If ever there was a time for Chief Marketing Officers (CMOs) to take center stage, it’s now. According to the new Global C-suite Study from the IBM Institute for Business Value, market factors surpassed technology as the most important external force impacting C-level survey respondents’ businesses. \n","content":"\u003cp\u003eAccording to the \u003ca href=\"https://www.ibm.com/consulting/insights/c-suite-study\" target=\"_blank\"\u003enew Global C-suite Study\u003c/a\u003e from the \u003ca href=\"https://www-935.ibm.com/services/us/gbs/thoughtleadership/\" target=\"_blank\"\u003eIBM Institute for Business Value\u003c/a\u003e, market factors surpassed technology as the most important external force impacting C-level survey respondents\u0026rsquo; businesses.\u0026nbsp;As more companies adopt foundational digital technologies, these become less differentiating for brands. Instead, changing market dynamics, evolving customer preferences and new distribution channels are once again the C-suite\u0026rsquo;s priorities.\u003c/p\u003e\n\n\u003cp\u003eTo better understand the impact this shifting business environment is having on CMOs, we conducted \u003ca href=\"https://www.ibm.com/consulting/insights/c-suite-study/cmo\" target=\"_blank\"\u003ea deep-dive analysis\u003c/a\u003e of the 2,069 CMOs who participated in our C-suite Study, which launched earlier this year. Indeed, in response to these changes, most CMOs (and Chief Executive Officers) anticipate that their organizations will likely shift their focus from products to experiences.\u003c/p\u003e\n\n\u003cp\u003eThis means the considerations that are top of mind for today\u0026rsquo;s C-suite are sitting squarely in the CMO\u0026rsquo;s wheelhouse.\u0026nbsp;As one CMO from a US-based financial services company noted, \u0026ldquo;The role of the CMO is evolving into \u0026lsquo;Chief Experience Officer.\u0026rsquo; We need to own the client experience from beginning to end, across the organization.\u0026rdquo;\u003c/p\u003e\n\n\u003cp\u003eCMOs also predict that businesses will place less emphasis on product innovation and more on business model innovation. These moves could profoundly impact how marketing defines and amplifies brands, how organizations engage customers and how they generate value. This is especially important for organizations that are creating or contributing to platform business models, where brand awareness and trust largely depend on recommendations from the platform community versus traditional communications. Half of CMOs report their organizations are either considering, piloting or adopting a platform business model.\u003c/p\u003e\n\n\u003cp\u003eOf all C-suite roles, the CMO is closest to the customer\u0026rsquo;s needs and desires. More than 70 percent of CMOs report their ability to lead organizational growth and change is now essential to their professional success. This is reflected in the top five priorities that CMOs told us are on their must-do list for the year.\u003c/p\u003e\n\n\u003cp\u003e\u003cimg alt=\"CMO MUst-do List\" height=\"861\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/cb7881672b624e988a666b1a9680958f.jpg\" width=\"768\" /\u003e\u003c/p\u003e\n\n\u003cp\u003eCMOs have had to expand their skill sets beyond core marketing capabilities for some time now. (This was the theme of our first \u003ca href=\"https://www-01.ibm.com/common/ssi/cgi-bin/ssialias?infotype=PM\u0026amp;subtype=XB\u0026amp;htmlfid=GBE03433USEN\" target=\"_blank\"\u003eCMO Study in 2011\u003c/a\u003e.) As more C-suite leaders recognize that customer experiences define and differentiate their organizations, CMOs must prioritize three key areas:\u003c/p\u003e\n\n\u003cul\u003e\n\t\u003cli\u003e\u003cem\u003eValue\u003c/em\u003e. As strategic influencers in the C-suite, CMOs should assess market trends and needs, and act on data-driven insights that contribute greater value and measurable results across the enterprise.\u003c/li\u003e\n\t\u003cli\u003e\u003cem\u003eExperience\u003c/em\u003e. As customer champions, CMOs should identify their customers\u0026rsquo; unmet needs. Using data and technology, they can deliver exceptional, personalized experiences across channels and even ecosystems.\u003c/li\u003e\n\t\u003cli\u003e\u003cem\u003eCulture\u003c/em\u003e. As visionaries, CMOs need to instill a customer-centric philosophy across their enterprises through creativity, innovation, collaboration and governance. They can continually refresh their dynamic vision by soliciting ideas from employees, ecosystems and customers.\u003c/li\u003e\n\u003c/ul\u003e\n\n\u003cp\u003eThe question is, are CMOs equipped to assume these broader responsibilities being driven by digital transformation? Their ability to drive ongoing success in these areas largely depends on their skills, knowledge and business savvy. But it\u0026rsquo;s important to consider the stage of their respective organizations as they navigate their transformation journeys.\u003c/p\u003e\n\n\u003cp\u003eTwenty-eight percent of CMOs in our survey come from leading organizations \u0026ndash; we call this group the Reinventors. The Reinventors are exceptionally well-aligned strategically. They have optimized business processes that support their strategies, and a culture of innovation and collaboration. Having managed change successfully in the past, the Reinventors are confident in their capacity to transform.\u003c/p\u003e\n\n\u003cp\u003eIn our CMO report, we explore the practices of CMOs from Reinventors compared to CMOs from other organizations. For example, most Reinventor CMOs (77 percent) have a strategy in place to address disruption. They are especially good at translating data into actionable insights. And 70 percent say their organizations have a culture that supports knowledge sharing across different parts of their businesses. But unlike the Reinventor CMOs, many other CMOs in our sample struggle with a number of these capabilities.\u003c/p\u003e\n\n\u003cp\u003eIn today\u0026rsquo;s era of modern marketing \u0026ndash; with digital transformation at its core \u0026ndash; CMOs must be passionate, collaborative change agents who set new standards for how marketing is done. To learn more about what Reinventor CMOs are doing differently to manage this shift, download your copy of the \u003ca href=\"https://www.ibm.com/consulting/insights/c-suite-study/cmo\" target=\"_blank\"\u003e\u0026ldquo;The modern marketing mandate.\u0026rdquo;\u003c/a\u003e The report includes recommendations for CMOs who are just beginning their transformation, as well as suggestions for those who are farther along.\u003c/p\u003e\n\n\u003cp\u003e\u003cem\u003eThis blog is part of a monthly series that highlights emerging trends from our \u003ca href=\"http://www.ibm.com/globalcsuitestudy\" target=\"_blank\"\u003e19th Global C-suite Study.\u003c/a\u003e The study features interviews with more than 12,800 CxOs.\u003c/em\u003e\u003c/p\u003e\n","approved":true,"image_alt":"CMOs have a new marketing mandate","thumbnail_alt":"CMOs have a new marketing mandate","hideRelatedBlogs":false,"createdAt":"2019-08-29T02:31:35.713Z","updatedAt":"2022-06-03T23:53:03.874Z","author":[{"id":666,"name":"Carolyn Heller Baird","email":"cbaird@us.ibm.com","twitter":"https://twitter.com/cjhbaird","facebook":"","linkedin":"https://www.linkedin.com/in/carolyn-baird-0478083","featured":false,"priority":0,"title":"Global Research Leader, Customer Experience and Design, IBM Institute for Business Value","image_alt":"","place_of_employment":"","bio":"","createdAt":"2020-11-27T10:37:12.577Z","updatedAt":"2022-08-18T21:50:09.180Z","image":null}],"image":{"id":7281,"name":"a9bbed60f0ce4e00b39fecfcb0d379bd.webp","alternativeText":null,"caption":null,"width":2000,"height":500,"formats":null,"hash":"a9bbed60f0ce4e00b39fecfcb0d379bd_33227ad5e4","ext":".webp","mime":"image/webp","size":12.37,"url":"/thought-leadership/institute-business-value/uploads/en/a9bbed60f0ce4e00b39fecfcb0d379bd_33227ad5e4","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:21:12.814Z","updatedAt":"2022-03-06T10:21:12.869Z"},"thumbnail":{"id":6253,"name":"8f29c825407a4eada2d9640a9b396447.webp","alternativeText":null,"caption":null,"width":3035,"height":1493,"formats":null,"hash":"8f29c825407a4eada2d9640a9b396447_e18c2737b7","ext":".webp","mime":"image/webp","size":37.46,"url":"/thought-leadership/institute-business-value/uploads/en/8f29c825407a4eada2d9640a9b396447_e18c2737b7","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:20:53.688Z","updatedAt":"2022-03-06T10:20:53.830Z"},"mlinks":{"id":255,"prompt":"cmo-innovation","offer1":"Watson Marketing solutions powered by an AI marketing platform can enable brands to drive customer loyalty and work smarter.","action1":"Watson Marketing solutions","link1":"https://www.ibm.com/us-en/marketplace/watson-marketing-solutions","offer2":"Make smarter decisions faster with Salesforce, AI and IBM expertise.","action2":"Salesforce Consulting Services","link2":"https://www.ibm.com/consulting/salesforce","offer3":"Your trusted business and technology partner for digital transformation.","action3":"IBM Consulting","link3":"https://www.ibm.com/consulting","locale":"en-us","createdAt":"2019-06-12T23:47:01.128Z","updatedAt":"2022-06-03T23:53:03.849Z"},"assets":[]},{"id":27,"slug":"brands-win-gen-z-consumers","title":"What do Gen Z shoppers want?","subtitle":"Despite their youth, Gen Z shoppers are an economic force.","date":"2018-04-11T12:00:00.000Z","blurb":"Despite their youth, Gen Z shoppers are an economic force. Born in 1995 or later, they are projected to be 2.56 billion strong by 2020. They have grown up in a fluid digital world in which the boundaries between their physical and online lives have converged.\n","content":"\u003cp\u003eBorn in 1995 or later, they are projected to be 2.56 billion strong by 2020. They have grown up in a fluid digital world in which the boundaries between their physical and online lives have converged. Having 24/7 access to information and digital resources has made them more educated, knowledgeable and self-reliant in deciding which products and services to choose or brands to support.\u003c/p\u003e\n\n\u003cp\u003eTo learn more about Gen Z\u0026rsquo;s habits and preferences, the \u003ca href=\"https://nrf.com/\" target=\"_blank\"\u003eNational Retail Federation\u003c/a\u003e and the \u003ca href=\"https://www-935.ibm.com/services/us/gbs/thoughtleadership/\" target=\"_blank\"\u003eIBM Institute for Business Value\u003c/a\u003e surveyed 15,600 consumers aged 13-21 from 16 countries. We compiled our results into a series of three studies. The \u003ca href=\"https://www-935.ibm.com/services/us/gbs/thoughtleadership/uniquelygenz/\" target=\"_blank\"\u003efirst study\u003c/a\u003e paints a clear picture of who Gen Z consumers are: digital natives who love mobile, heavily influence family spending and almost universally still prefer to shop in-store. The \u003ca href=\"http://www-935.ibm.com/services/us/gbs/thoughtleadership/genzbrand/\" target=\"_blank\"\u003esecond study\u003c/a\u003e revealed this new buying generation\u0026rsquo;s expectations for brands: transparency, authenticity and opportunities for engagement and co-creation. Now, in the \u003ca href=\"https://www-935.ibm.com/services/us/gbs/thoughtleadership/genzshoppers/\" target=\"_blank\"\u003ethird and final part\u003c/a\u003e of our series, we\u0026rsquo;re discovering what Gen Z shoppers really want:\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eGen Z shoppers are demanding customers \u0026mdash; but not in the way you think\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eGen Z shoppers are full of surprises. On one hand, they want what their parents want: seamless delivery of retail essentials, such as value, choice, quality, convenience and availability. On the other hand, as digital natives, they have their own expectations for how they want those essentials delivered. Technology is important to them, but only if it adds value and enhances their shopping experience. And they expect to be able to make that experience uniquely their own. Brands should act now to build loyalty. While only 36 percent of Gen Z shoppers in our study said they had a strong connection to a brand, the number increased to 46 percent among those aged 19-21. The potential benefits are great, but the window of time for winning over this new and important generation is closing fast.\u003c/p\u003e\n\n\u003cp\u003e\u003cimg alt=\"\" height=\"433\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/794ccfc2a21e4d90ba7f15cae93f4dab.png\" width=\"768\" /\u003e\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eGen Z has high expectations for retail essentials\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eAs with previous generations, Gen Z places great importance on dependable and consistent delivery of retail essentials. Sixty-eight percent of Gen Zers surveyed said a wide choice of products was the most important factor when choosing where to shop; 66 percent said product availability is important; and 58 percent said it\u0026rsquo;s important that retailers provide the right pick-up or delivery options for their purchases.\u003c/p\u003e\n\n\u003cp\u003eAlthough they are digital natives, Gen Zers most often choose to shop in the physical store. Ninety-eight percent of those we surveyed said they typically make purchases in a store some or most of the time. In fact, three times as many said they shop most of the time in a store versus as those who said they shop most of the time online.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eGen Z values technology for easier, more rewarding shopping\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eRather than buying into fancy features and gadgetry, Gen Zers prefer technology that empowers them and adds direct value. Fifty-four percent of those we surveyed said they would like tools that allow them to try out products in-store. Thirty-nine percent said they were interested in robots that help make decisions or fix problems.\u003c/p\u003e\n\n\u003cp\u003eEngagement through mobile phones should be at the top of a brand\u0026rsquo;s list, as these devices already are entrenched in Gen Zers\u0026rsquo; lives. Seventy-five percent of respondents selected a mobile phone or smartphone as their device of choice, and 47 percent said they use their smartphones when shopping in a store. They use their phones to research products and services, compare prices and find discounts prior to making purchases.\u003c/p\u003e\n\n\u003cp\u003eIn addition to shopping with their mobile phones, 73 percent of respondents said they use them for social media, especially to chat and communicate with friends and family. Brands have an opportunity to interact individually with Gen Zers using social media.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eIndividualized value is the key for Gen Z\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eGen Zers express a strong desire for shopping experiences that are uniquely their own. Respondents revealed that direct value provided at an individualized level, such as through promotions that match an individual\u0026rsquo;s specific needs and desires, was more important than personalized experiences shaped by the brand.\u003c/p\u003e\n\n\u003cp\u003e\u003cimg alt=\"\" height=\"433\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/108f55dc2df24c20840d375228b69c1d.png\" width=\"768\" /\u003e\u003c/p\u003e\n\n\u003cp\u003eTo meet these expectations, brands must seek to understand each Gen Zer\u0026rsquo;s perception of value. In the past, retail value was based primarily on price and availability. Today, the criteria for value has evolved to include options that didn\u0026rsquo;t exist a few years ago. For example, while one Gen Zer may only care about getting the cheapest price for a product, another may be willing to pay more for a product made by a brand with a purpose he or she supports.\u003c/p\u003e\n\n\u003cp\u003eTo learn more about how to capture Gen Z consumers and build a lasting relationship, read our studies:\u003c/p\u003e\n\n\u003cp\u003e\u003ca href=\"https://www-935.ibm.com/services/us/gbs/thoughtleadership/uniquelygenz/\"\u003eUniquely Generation Z: What brands should know about today\u0026rsquo;s youngest consumers\u003c/a\u003e\u003c/p\u003e\n\n\u003cp\u003e\u003ca href=\"https://www-935.ibm.com/services/us/gbs/thoughtleadership/genzbrand/\"\u003eGen Z brand relationships: Authenticity matters\u003c/a\u003e\u003c/p\u003e\n\n\u003cp\u003e\u003ca href=\"https://www-935.ibm.com/services/us/gbs/thoughtleadership/genzshoppers/\" target=\"_blank\"\u003eWhat do Gen Z shoppers really want?\u003c/a\u003e\u003c/p\u003e\n","approved":true,"image_alt":"What do Gen Z shoppers want?","thumbnail_alt":"What do Gen Z shoppers want?","hideRelatedBlogs":false,"createdAt":"2019-08-29T03:22:58.674Z","updatedAt":"2022-06-02T23:46:11.485Z","author":[{"id":234,"name":"Simon Glass","email":"glass@uk.ibm.com","twitter":"https://twitter.com/simonglass004","facebook":"","linkedin":"https://www.linkedin.com/in/simon-glass-730b654/","featured":false,"priority":0,"title":"Global Retail Leader","image_alt":null,"place_of_employment":null,"bio":"","createdAt":"2018-12-01T12:32:53.030Z","updatedAt":"2022-08-24T23:48:38.205Z","image":null},{"id":206,"name":"Jane Cheung","email":"jane.cheung@us.ibm.com","twitter":"","facebook":"","linkedin":"https://www.linkedin.com/in/JaneSCheung","featured":false,"priority":0,"title":"Global Consumer Industry Research Leader, IBM Institute for Business Value","image_alt":"","place_of_employment":"","bio":"","createdAt":"2018-12-01T12:32:53.033Z","updatedAt":"2023-05-19T05:45:28.054Z","image":null}],"image":{"id":7488,"name":"0905def79e2b428fb809dd0b5b70e4af.webp","alternativeText":null,"caption":null,"width":2000,"height":500,"formats":null,"hash":"0905def79e2b428fb809dd0b5b70e4af_9ceab592c0","ext":".webp","mime":"image/webp","size":81.03,"url":"/thought-leadership/institute-business-value/uploads/en/0905def79e2b428fb809dd0b5b70e4af_9ceab592c0","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:21:21.084Z","updatedAt":"2022-03-06T10:21:21.359Z"},"thumbnail":{"id":6357,"name":"6a2be72dd77d46c0b0e050e704cfa924.webp","alternativeText":null,"caption":null,"width":728,"height":358,"formats":null,"hash":"6a2be72dd77d46c0b0e050e704cfa924_0d3f3c754f","ext":".webp","mime":"image/webp","size":30.87,"url":"/thought-leadership/institute-business-value/uploads/en/6a2be72dd77d46c0b0e050e704cfa924_0d3f3c754f","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:21:08.141Z","updatedAt":"2022-03-06T10:21:08.403Z"},"mlinks":{"id":137,"prompt":"retail-consumer-products","offer1":"A changing consumer landscape means new opportunities to build customer loyalty. Evaluate your current technologies and read one client’s success story.","action1":"Retail and consumer products ","link1":"https://www.ibm.com/industries/retail-consumer-products","offer2":"Are you ready to get ahead of the pack by merging enterprise data with personalized customer insights?","action2":"Find out more about retail and AI","link2":"https://www.ibm.com/industries/retail-consumer-products/customer-experience","offer3":"Your trusted business and technology partner for digital transformation.","action3":"IBM Consulting","link3":"https://www.ibm.com/consulting","locale":"en-us","createdAt":"2019-06-26T20:51:22.695Z","updatedAt":"2023-04-11T20:51:50.235Z"},"assets":[]},{"id":35,"slug":"cios-more-than-meets-i","title":"CIOs: The role has become more than meets the ‘I’","subtitle":"The role of the chief information officer (CIO) is getting harder.","date":"2018-04-11T12:00:00.000Z","blurb":"The role of the chief information officer (CIO) is getting harder. CIOs must anticipate and build for the future while responding to the pressures of the current business environment. With increasing numbers of organizations putting IT at the center of their strategies.\n","content":"\u003cp\u003eCIOs must anticipate and build for the future while responding to the pressures of the current business environment. With increasing numbers of organizations putting IT at the center of their strategies, CIOs are playing key roles in everything from driving culture change to creating better customer experiences to helping create new products and services. They are being tasked to do more than ever for their organizations and are expected to be a fulcrum for reinvention \u0026mdash; for both business and technology. These pressures of perpetual transformation are driving the ongoing evolution of the role.\u003c/p\u003e\n\n\u003cp\u003eHow are they changing and coping? The \u003ca href=\"https://www-935.ibm.com/services/us/gbs/thoughtleadership/\" target=\"_blank\"\u003eIBM Institute for Business Value\u003c/a\u003e interviewed more than 2,100 CIOs around the world to find out.\u003c/p\u003e\n\n\u003cp\u003e\u003ca href=\"https://www.ibm.com/consulting/insights/c-suite-study/cio\" target=\"_blank\"\u003e\u003cimg alt=\"31 percent of surveyed CIOs reported a high degree of urgency to transform their enterprises\" height=\"309\" src=\"https://www.ibm.com/blogs/insights-on-business/gbs-strategy/wp-content/uploads/sites/17/2018/03/CIO-social-tiles_Twitter-Tile-1-1024x577.png\" width=\"548\" /\u003e\u003c/a\u003e\u003c/p\u003e\n\n\u003cp\u003e\u003ca href=\"https://www.ibm.com/consulting/insights/c-suite-study/cio\" target=\"_blank\"\u003eCIOs told us they feel a greater sense of urgency to transform their enterprises\u003c/a\u003e in response to industry disruption than the rest of the C-suite. This may reflect the rapid evolution of their responsibilities. We also found that the most successful CIOs are doing things differently to respond to their intensifying and changing roles. Here\u0026rsquo;s what CIOs can learn from this group of leaders:\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eBuild a solid foundation of cooperation and insight\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eA successful start to the digital journey begins with a shared enterprise-wide vision and a supportive, collaborative executive team.\u0026nbsp;Leading CIOs have a strong foundation upon which to build their digital efforts. The majority report that their leadership teams are collaborative, communicative and insightful about their industry. To build on this foundation, CIOs should promote transparency and continual dialogue around new digital strategies, business models and platforms.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eLeverage the capabilities of new technologies\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eCIOs need to adopt a systematic approach to integrating emerging technologies into their organizations.\u0026nbsp;We found that they already\u0026nbsp;are adept at integrating more mature technologies such as mobile, cloud and the Internet of Things (IoT) into their enterprises. In both new and maturing technologies, a good number of CIOs are still in the \u0026ldquo;experimenting\u0026rdquo; stage.\u0026nbsp;Experimentation is a critical proficiency for CIOs, and with all the emerging technologies available, it is more important than ever. The experimentation includes efforts including artificial intelligence (AI), machine learning and cognitive solutions \u0026mdash; not only to help their businesses innovate, but also to optimize and improve their own IT function.\u003c/p\u003e\n\n\u003cp\u003e\u003cimg alt=\"Some CIOs are integrating AI\" height=\"578\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/c8af0bd397044ca08f10dcbf47465e80.png\" width=\"1024\" /\u003e\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eInvest in talent\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eFinding the right talent has been a perennial issue for CIOs. They face intense competition for people with critical skills in emerging technologies, including AI, security, blockchain, and data science. Organizations are pursuing a broad array of approaches to resolve their talent issues. Some are acquiring companies primarily to bring in their talented employees. Others are using more traditional means, such as internal retraining and education programs. We found that more of the leading CIOs report they are quite effective at fostering emerging technology talent, but roughly half still say they need to improve.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eImplement agile practices\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eOrganizations cannot leverage their technology and talent effectively to meet their strategic goals without an agile culture. Much has been said about agile techniques over the past decade as they have spread from software development into activities that span the broader enterprise. We found that organizations have made a good start, but not all CIOs are embracing agile practices in their own departments on a great enough scale. With the ultimate goal of establishing a sustainable agile culture, they can first focus on formally training their own organization and then moving beyond IT to enable the rest of their C-suite.\u003c/p\u003e\n\n\u003cp\u003e\u003cimg alt=\"More than meets the I\" height=\"577\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/80aa6212f660435097135ee023bdbace.png\" width=\"1024\" /\u003e\u003c/p\u003e\n\n\u003cp\u003eRead our full report, \u003ca href=\"https://www.ibm.com/consulting/insights/c-suite-study/cio\" target=\"_blank\"\u003e\u0026ldquo;More than meets the \u0026lsquo;I,\u0026#39;\u0026rdquo;\u003c/a\u003e to learn more about our findings and recommendations for CIOs.\u003c/p\u003e\n\n\u003cp\u003e\u003cem\u003eThis blog is part of a monthly series that highlights emerging trends from our \u003ca href=\"http://www.ibm.com/globalcsuitestudy\" target=\"_blank\"\u003e19th Global C-suite Study.\u003c/a\u003e The study features interviews with more than 12,800 CxOs.\u003c/em\u003e\u003c/p\u003e\n","approved":true,"image_alt":"","thumbnail_alt":"","hideRelatedBlogs":false,"createdAt":"2019-08-29T02:47:59.809Z","updatedAt":"2022-03-06T10:21:16.913Z","author":[{"id":327,"name":"David Jarvis","email":"","twitter":"","facebook":"","linkedin":"","featured":false,"priority":0,"title":"Security and CIO lead, IBM Institute for Business Value","image_alt":"","place_of_employment":"","bio":"","createdAt":"2019-08-29T03:04:30.737Z","updatedAt":"2022-02-10T22:09:10.968Z","image":null}],"image":{"id":7103,"name":"7fbf484847324eb4b379cb8d11620709.webp","alternativeText":null,"caption":null,"width":2000,"height":500,"formats":null,"hash":"7fbf484847324eb4b379cb8d11620709_18eb2def39","ext":".webp","mime":"image/webp","size":17.2,"url":"/thought-leadership/institute-business-value/uploads/en/7fbf484847324eb4b379cb8d11620709_18eb2def39","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:21:16.783Z","updatedAt":"2022-03-06T10:21:16.848Z"},"thumbnail":{"id":6985,"name":"061c4c72c49c41eb8a556458b6c0fff3.webp","alternativeText":null,"caption":null,"width":3035,"height":1493,"formats":null,"hash":"061c4c72c49c41eb8a556458b6c0fff3_eee70c0ddb","ext":".webp","mime":"image/webp","size":54.9,"url":"/thought-leadership/institute-business-value/uploads/en/061c4c72c49c41eb8a556458b6c0fff3_eee70c0ddb","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:21:02.959Z","updatedAt":"2022-03-06T10:21:03.033Z"},"mlinks":{"id":346,"prompt":"Organizations of the future are talent-centric and AI-powered","offer1":"IBM delivers outcomes and experiences to help enterprises realize the power of talent.","action1":"IBM's talent \u0026 transformation capabilities.","link1":"https://www.ibm.com/consulting/talent-management","offer2":"Your trusted business and technology partner for digital transformation.","action2":"Technology services","link2":"https://www.ibm.com/consulting","offer3":"Improve teaching effectiveness and learning outcomes","action3":"Education solutions","link3":"https://www.ibm.com/industries/education","locale":"en-us","createdAt":"2018-12-04T09:39:59.182Z","updatedAt":"2023-12-13T18:49:45.373Z"},"assets":[]},{"id":34,"slug":"industry-blockchain-trailblazers","title":"Who’s blazing the blockchain trail in your industry?","subtitle":"Hundreds of potential blockchain use cases are emerging in many industries, leading to large investments in distributed ledgers and smart contract implementations that track money, health records, property records and supply chain data.","date":"2018-03-16T12:00:00.000Z","blurb":"Hundreds of potential blockchain use cases are emerging in many industries, leading to large investments in distributed ledgers and smart contract implementations that involve money, health records, property records and supply chain data.\n","content":"\u003cp\u003eLeaders across industries say \u003ca href=\"https://www.ibm.com/blockchain\" target=\"_blank\"\u003eblockchain\u003c/a\u003e could bring solutions that would disrupt current business models and create new ones.\u003c/p\u003e\n\n\u003cp\u003eHow are organizations reacting to this new technology and its enormous potential? The \u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value\" target=\"_blank\"\u003eIBM Institute for Business Value (IBV)\u003c/a\u003e is publishing \u003ca href=\"http://www-935.ibm.com/services/us/gbs/thoughtleadership/blockchainlibrary.html\" target=\"_blank\"\u003ea series of reports\u003c/a\u003e to find out. In the seven industries we have explored so far, a distinctive group called the Trailblazers has emerged. The Trailblazers expect to be in production in a year and they provide insight into blockchain adoption in each industry. Here\u0026rsquo;s what we have learned from Trailblazers in each industry:\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003e\u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/report/blockchain-banking\" target=\"_blank\"\u003eBanking\u003c/a\u003e\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eBanking Trailblazers say they are most concerned with operational improvements such as time, cost and risk benefits to their current business models, which include use cases for reference data, retail payments and consumer payments. Blockchain also could expand opportunities in trade finance and corporate lending. Banking Trailblazers are prolific across all major geographies. This may imply that large banks recognize the importance of swift adoption and first-mover advantage.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003e\u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/report/blockchainelectronics\" target=\"_blank\"\u003eElectronics\u003c/a\u003e\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eMost Trailblazers identified component provenance, supply chain management, warranty management and regulatory compliance as the primary use-cases. Since supply chains in this industry are global and require involvement from multiples of firms, Trailblazers are open to collaboration and building truly distributed networks. They also recognize that first-mover advantage will allow firms to dictate the blockchain of choice for other network participants.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003e\u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/report/healthcare-blockchains\" target=\"_blank\"\u003eHealthcare\u003c/a\u003e\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eUnlike Trailblazers in banking and electronics, 7 in 10 healthcare Trailblazers see blockchain as an impetus for new business models as opposed to an opportunity to grow existing business models. Those new business models include treatment adherence and event safety and medical device monitoring, such as integration with Internet of Things (IoT). Healthcare Trailblazers are the only group of to prioritize blockchain integration with hardware and the IoT. Another prominent goal for Trailblazers in healthcare centers around accessibility to information and a reduction of information risk.\u0026nbsp; The three largest populations of Trailblazers are based outside the western world: 29% are in Latin America, 27% are in the Middle East and Africa, and 18% are in the Asia-Pacific region. This could imply that healthcare companies in developing nations see a benefit in skipping over traditional IT infrastructure and moving straight to cutting-edge technologies.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003e\u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/report/blockchain-financial-markets\" target=\"_blank\"\u003eFinancial markets\u003c/a\u003e\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eTrailblazers in financial markets are very much like their counterparts in banking. They see a tremendous first-mover advantage. Their use cases focus on improving decision-making by reducing information risk, increasing accuracy and availability of information, and increasing transparency. This can lead to the creation of new profit pools. Half of the Trailblazers see new business models arising in capital markets, specifically in clearing and settlements, payments, and know-your-customer. Trailblazers in financial markets are open to working with regulatory bodies to define the direction of this technology.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003e\u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/report/blockchain-for-government\" target=\"_blank\"\u003eGovernment\u003c/a\u003e\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eTrailblazers in government identify the benefits of blockchain but are often stifled by self-imposed barriers to adoption, such as regulatory constraints, undefined ROI, and lack of buy-in from their counterparts. However, governments that have nationalized a majority of the private industry in their territories can overcome those barriers. Another interesting pattern is that use cases in this sector vary by geography. For example, Trailblazers in Latin American governments say they have invested in identity management and citizen services use cases. But those in North America have focused on financial transactions and border services. \u0026nbsp;Geographical differences can be attributed to the development of technological infrastructure and the feasibility of skipping over traditional IT and moving straight to new technologies.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003e\u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/report/blockchainreinvents\" target=\"_blank\"\u003eRetail and consumer products\u003c/a\u003e\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eAcross retail and consumer products, we found that while few Trailblazers expect to be in production in a year, a group of First Movers is already working on and actively investing in blockchain applications for the consumer industry. These First Movers expect to use blockchain to gain entry to otherwise inaccessible consumer markets. They also recognize the opportunities blockchain brings to both the operational aspects of their business as well as to consumer interactions. While First Movers expect benefits in areas such from product safety and authenticity to promotional strategy management, executives in the consumer industry ranked the shortage of skills as their biggest barrier to implementing blockchain.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003e\u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/report/teammedicine\" target=\"_blank\"\u003eLife sciences\u003c/a\u003e\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eSimilar to the consumer industry, First Movers in life sciences are already working on and investing in blockchain and expect to achieve greater information accuracy and enhance collaboration across a very complex ecosystem. They expect improvements across regulation and compliance, patient empowerment and end-to-end serialization. Interestingly, more than 5 in 10 First Movers see blockchain\u0026rsquo;s disruptive potential across three completely unique areas: revenue management, adverse event management and outcome based management.\u003c/p\u003e\n\n\u003cp\u003eBlockchain innovation is accelerating and advancing disruption in all industries. Read the \u003ca href=\"https://www-935.ibm.com/services/us/gbs/thoughtleadership/blockchainlibrary.html\" target=\"_blank\"\u003efull reports\u003c/a\u003e to learn how your industry is responding. And stay tuned as we release reports on more industries in the coming months.\u003c/p\u003e\n","approved":true,"image_alt":"Who’s blazing the blockchain trail in your industry?","thumbnail_alt":"Who’s blazing the blockchain trail in your industry?","hideRelatedBlogs":false,"createdAt":"2019-08-29T21:40:10.726Z","updatedAt":"2022-03-06T10:21:02.005Z","author":[{"id":10,"name":"Veena Pureswaran","email":"vpures@us.ibm.com","twitter":"","facebook":"","linkedin":"https://www.linkedin.com/in/veenapureswaran/","featured":false,"priority":0,"title":"Research Director, Quantum Computing and Emerging Technologies, IBM Institute for Business Value","image_alt":"","place_of_employment":"","bio":"","createdAt":"2018-12-01T12:32:51.787Z","updatedAt":"2023-06-12T22:12:19.397Z","image":null}],"image":{"id":6359,"name":"406eda743cba42dc88874ab5106e9aba.webp","alternativeText":null,"caption":null,"width":2000,"height":500,"formats":null,"hash":"406eda743cba42dc88874ab5106e9aba_6219da842b","ext":".webp","mime":"image/webp","size":31.34,"url":"/thought-leadership/institute-business-value/uploads/en/406eda743cba42dc88874ab5106e9aba_6219da842b","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:21:01.902Z","updatedAt":"2022-03-06T10:21:01.949Z"},"thumbnail":{"id":6114,"name":"9af7cd3cc4a7434e9fb07c79aaf4b8f1.webp","alternativeText":null,"caption":null,"width":380,"height":190,"formats":null,"hash":"9af7cd3cc4a7434e9fb07c79aaf4b8f1_8df1025772","ext":".webp","mime":"image/webp","size":4.64,"url":"/thought-leadership/institute-business-value/uploads/en/9af7cd3cc4a7434e9fb07c79aaf4b8f1_8df1025772","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:20:51.953Z","updatedAt":"2022-03-06T10:20:51.996Z"},"mlinks":{"id":260,"prompt":"blockchain","offer1":"Become one of the visionary companies around the world driving game-changing outcomes with IBM Blockchain Services.","action1":"IBM Blockchain Services","link1":"https://www.ibm.com/consulting/blockchain","offer2":"Tackle issues of trust, transparency and data integrity with blockchain-based networks and solutions built on the industry’s leading platform.","action2":"Blockchain healthcare and life sciences solutions","link2":"https://www.ibm.com/consulting/blockchain","offer3":"Your trusted business and technology partner for digital transformation.","action3":"IBM Consulting","link3":"https://www.ibm.com/consulting","locale":"en-us","createdAt":"2018-12-04T09:39:59.225Z","updatedAt":"2023-12-13T19:26:56.675Z"},"assets":[]},{"id":28,"slug":"cxo-disruption","title":"What happened to disruption?","subtitle":"","date":"2018-03-05T13:00:00.000Z","blurb":"Business cycles are a given. They are driven by the gravitational forces of innovative disruption, regulatory changes and competitive dissonance. The speed of technology innovation has accelerated the speed of business cycle changes.\n","content":"\u003cp\u003eBusiness cycles are a given. They are driven by the gravitational forces of innovative disruption, regulatory changes and competitive dissonance. The speed of technology innovation has accelerated the speed of business cycle changes.\u003c/p\u003e\n\n\u003cp\u003eTwo years ago, C-suite executives told us they were worried about disruption from digital upstarts. Companies like Uber and Airbnb were shaking up industries, and traditional companies were scrambling to come up with new strategies to compete. In fact, 54% of the CxOs the \u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value\" target=\"_blank\"\u003eIBM Institute for Business Value\u003c/a\u003e surveyed for our 2015 Global C-suite Study said outside competitors were flooding their industries.\u003c/p\u003e\n\n\u003cp\u003eToday, CxOs are telling a different story. The \u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/report/c-suite-study-2018\" target=\"_blank\"\u003enew C-suite Study\u003c/a\u003e reveals that only 26% of surveyed executives say they\u0026rsquo;re being threatened by outside competitors.\u003c/p\u003e\n\n\u003cp\u003eSo what happened to disruption?\u003c/p\u003e\n\n\u003cp\u003e\u003cimg alt=\"outside competitors\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/3260c6c47f0f4d5d8f474b689bb709fb.png\" style=\"height:676px; width:1200px\" /\u003e\u003c/p\u003e\n\n\u003cp\u003eDisruption hasn\u0026rsquo;t disappeared. Instead, industry incumbents are embracing it and striking back. The evolution is evident: 72% of surveyed CxOs say industry incumbents are leading disruption, beating digital giants and startups at their own game.\u003c/p\u003e\n\n\u003cp\u003eHow are incumbents flipping the script? Here\u0026rsquo;s what we discovered:\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eIncumbents are acquiring the digital upstarts that challenged them\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eIf you can\u0026rsquo;t beat them, why not acquire them? Many traditional companies have purchased or invested in the upstarts that disrupted them. For example, Unilever, which manufactures razors and shaving accessories, among other things, \u003ca href=\"https://www.unilever.com/news/Press-releases/2016/unilever-acquires-dollar-shave-club.html\" target=\"_blank\"\u003eacquired Dollar Shave Club\u003c/a\u003e. Walmart \u003ca href=\"https://news.walmart.com/2016/08/08/walmart-agrees-to-acquire-jetcom-one-of-the-fastest-growing-e-commerce-companies-in-the-us\" target=\"_blank\"\u003ebought platform retailer jet.com\u003c/a\u003e, and UPS \u003ca href=\"https://pressroom.ups.com/pressroom/ContentDetailsViewer.page?ConceptType=PressReleases\u0026amp;id=1439914985782-913\" target=\"_blank\"\u003escooped up Coyote\u003c/a\u003e, the trucking equivalent of Uber. The benefit of these acquisitions stretched beyond eliminating competition. Traditional companies also got an inside look at the innovative thinking that fueled the disruptors\u0026rsquo; success.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eIncumbents are honing their skills to compete in the age of digital disruption\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eDisruption has forced traditional companies to get smarter about competing in the digital age. Leading organizations are leveraging their relationships and assets to digitally reinvent themselves and orchestrate new advantages in this dynamic business environment. Many are focusing more intently on building and improving digital customer experience. Healthcare provider Kaiser Permanente, for example, \u003ca href=\"http://fortune.com/2016/10/06/kaiser-permanente-virtual-doctor-visits/\" target=\"_blank\"\u003ereports 52% of its annual 110 million patient-physician interactions are now online or mobile\u003c/a\u003e. Companies that continue to digitally reinvent themselves likely will grow stronger and be better prepared to handle change in the future.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eIncumbents are exploring platform business models\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003ePlatform business models enabled digital giants to start a wave of disruption a few years ago. Now, incumbents are exploring such models.\u003c/p\u003e\n\n\u003cp\u003eForty-six percent of surveyed CxOs are investing in or considering a platform business model. Why? Companies that embrace platform business models tend to dominate their market segments and improve their ability to scale in new ones. Platform business models can help companies create new value and revenue streams. And companies farthest along in building or operating platform business models show gains in innovation and collaboration, driven by a richness of data and closer contact with customers and partners.\u003c/p\u003e\n\n\u003cp\u003e\u003cimg alt=\"platform business models\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/09ef1923922043ef9d2525b954183742.png\" style=\"height:676px; width:1200px\" /\u003e\u003c/p\u003e\n\n\u003cp\u003ePlatform business models are expected to continue to play a critical role in the future of business innovation. Interestingly, 57% of surveyed\u0026nbsp;CxOs\u0026nbsp;with a declared strategy to disrupt say they are building or operating platform business models. If your organization hasn\u0026rsquo;t started exploring a platform business model, you might be falling behind the innovation curve. Will your organization own or participate in a platform, or do both? It\u0026rsquo;s a decision you need to make now.\u003c/p\u003e\n\n\u003cp\u003eDisruption is not over. Competitive advantage is transitory. Innovation drives business cycles, and companies must learn how to cope. If they rest on their laurels and become complacent because of past success, they\u0026rsquo;ll get swept away by the next wave of disruption.\u003c/p\u003e\n\n\u003cp\u003eTo learn how you can thrive in this ever-changing business climate, please read the 19th edition of our Global C-suite Study, \u0026ldquo;\u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/report/c-suite-study-2018\" target=\"_blank\"\u003eIncumbents Strike Back\u003c/a\u003e.\u0026rdquo; And stay tuned. We\u0026rsquo;ll release industry- and role-specific findings over the coming weeks.\u003c/p\u003e\n\n\u003cp\u003e\u003cem\u003eThis blog is part of a monthly series that highlights emerging trends from our \u003ca href=\"http://www.ibm.com/thought-leadership/institute-business-value/report/c-suite-study-2018\" target=\"_blank\"\u003e19th Global C-suite Study.\u003c/a\u003e The study features interviews with more than 12,800 CxOs.\u003c/em\u003e\u003c/p\u003e\n","approved":true,"image_alt":"","thumbnail_alt":"","hideRelatedBlogs":false,"createdAt":"2019-08-29T22:30:47.059Z","updatedAt":"2022-03-06T10:20:58.522Z","author":[{"id":233,"name":"Carl Nordman","email":"","twitter":"","facebook":"","linkedin":"https://www.linkedin.com/in/carlnordman","featured":false,"priority":0,"title":"Director, Global C-suite Study Program, and CFO Research Lead, IBM Institute for Business Value","image_alt":null,"place_of_employment":null,"bio":"","createdAt":"2018-12-01T12:32:52.162Z","updatedAt":"2023-06-12T22:04:38.211Z","image":null}],"image":{"id":6979,"name":"f6b5aa6cd883478cbbe3954034ea5e33.webp","alternativeText":null,"caption":null,"width":2000,"height":500,"formats":null,"hash":"f6b5aa6cd883478cbbe3954034ea5e33_47411e8990","ext":".webp","mime":"image/webp","size":13.67,"url":"/thought-leadership/institute-business-value/uploads/en/f6b5aa6cd883478cbbe3954034ea5e33_47411e8990","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:20:58.445Z","updatedAt":"2022-03-06T10:20:58.508Z"},"thumbnail":{"id":6465,"name":"ffcd6d90be4648398b9c20cf5505e630.webp","alternativeText":null,"caption":null,"width":728,"height":358,"formats":null,"hash":"ffcd6d90be4648398b9c20cf5505e630_3a6bdf3b7c","ext":".webp","mime":"image/webp","size":9.39,"url":"/thought-leadership/institute-business-value/uploads/en/ffcd6d90be4648398b9c20cf5505e630_3a6bdf3b7c","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:20:48.490Z","updatedAt":"2022-03-06T10:20:48.546Z"},"mlinks":{"id":19,"prompt":"Become a disrupter","offer1":"IBM can help you engage deeply with customers, and fuel agility, efficiency, and new revenue streams with insight.","action1":"Business Strategy and Design Services","link1":"https://www.ibm.com/consulting/business","offer2":"Digital Strategy and iX consulting services help you meet the challenges of the digital age with new business models, new expertise, and new ways to work.","action2":"Digital Reinvention","link2":"https://www.ibm.com/us-en/marketplace/digital-innovation-consulting","offer3":"Enterprise mobility services to help users seamlessly work across virtual, physical and connected environments.","action3":"Digital Workplace Services","link3":"https://www.ibm.com/consulting/digital-workplace","locale":"en-us","createdAt":"2018-12-04T09:39:58.959Z","updatedAt":"2022-08-12T03:57:46.843Z"},"assets":[]},{"id":42,"slug":"take-quantum-leap","title":"It’s time for your organization to take the quantum leap","subtitle":"The business world is approaching a transitional moment.","date":"2018-02-22T13:00:00.000Z","blurb":"The business world is approaching a transitional moment. In the coming years, quantum computers for commercial use will be able to perform complex calculations that outpace even the most robust standard computers.\n","content":"\u003cp\u003eIn the coming years, quantum computers for commercial use will be able to perform complex calculations that outpace even the most robust standard computers. The difference is in the processing \u0026mdash; quantum computers can handle certain calculations faster than their conventional counterparts. Quantum has the potential to reinvent business, science, and government, revealing better answers in areas like chemistry, machine learning and more.\u003c/p\u003e\n\n\u003cp\u003eA \u003ca href=\"https://www-935.ibm.com/services/us/gbs/thoughtleadership/quantumleap/\" target=\"_blank\"\u003enew report\u003c/a\u003e I authored for the \u003ca href=\"https://www-935.ibm.com/services/us/gbs/thoughtleadership/\" target=\"_blank\"\u003eIBM Institute for Business Value\u003c/a\u003e explores the benefits quantum computing could bring to businesses. Quantum may open the way for breathtaking efficiency in business processes that span everything from basic logistics to complex decision-making. And it may be able to solve some of today\u0026rsquo;s known problems faster and provide new tools for solving future problems.\u003c/p\u003e\n\n\u003cp\u003e\u003cimg alt=\"quantum research\" height=\"683\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/2c438db649ce49c8826555aedbfe6a89.jpg\" width=\"1024\" /\u003e\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eQuantum at work\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eConsider a logistics problem that involves 50 items, such as a travel itinerary with 50 cities or a shift work schedule for 50 people. Humans have typically made these types of decisions using intuition or prior experience. Calculating the most cost-effective sequence could take years on a powerful supercomputer, and even then, the answer would be an approximation.\u003c/p\u003e\n\n\u003cp\u003eA quantum computer could potentially solve for the best solution in minutes. Discovering the best answer, instead of an estimated answer, would raise client satisfaction. Optimal approaches could provide customers with more precise services and potentially help the company stay an industry leader.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003ePrepare for quantum now\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eNow is the time for business leaders to prepare for the quantum era. Here are some recommended first steps:\u003c/p\u003e\n\n\u003cul\u003e\n\t\u003cli\u003eEngage now, especially if your organization is involved in chemistry, optimization or machine learning.\u003c/li\u003e\n\t\u003cli\u003eAssign a quantum champion who can attend conferences and workshops, and assess competing approaches to quantum computing.\u003c/li\u003e\n\t\u003cli\u003eEvaluate which areas of your business may benefit from, or be disrupted by, quantum computing, and which approach may work best for you.\u003c/li\u003e\n\t\u003cli\u003eAcquire the right team. Quantum computing is different from conventional computing, right down to replacing the \u0026ldquo;bit,\u0026rdquo; the base unit of information. People who are open to new problem-solving approaches should be at the top of your list. Consider those in advanced analytics.\u003c/li\u003e\n\t\u003cli\u003eExperiment with a real quantum computer. Quantum processors are available in the IBM Cloud. Explore the tutorials and simulators and program your own algorithms.\u003c/li\u003e\n\u003c/ul\u003e\n\n\u003cp\u003eAs essential as conventional computing is, it has limits. Quantum computing augments your current environment but represents a radical new paradigm that may contribute to your solution suite. Organizations that seek to be in the forefront of this transformational shift will seize competitive leadership. Will you take the leap?\u003c/p\u003e\n\n\u003cp\u003eTo learn more, read the \u003ca href=\"https://www-935.ibm.com/services/us/gbs/thoughtleadership/quantumleap/\" target=\"_blank\"\u003efull report\u003c/a\u003e.\u003c/p\u003e\n","approved":true,"image_alt":"","thumbnail_alt":"","hideRelatedBlogs":false,"createdAt":"2019-08-30T02:05:52.056Z","updatedAt":"2022-03-06T10:21:12.430Z","author":[{"id":915,"name":"Terry Hickey","email":"","twitter":"","facebook":"","linkedin":"","featured":false,"priority":0,"title":"VP, IBM Consulting Global Leader, Watson AI and Quantum Computing","image_alt":"","place_of_employment":"","bio":"","createdAt":"2022-06-03T01:24:01.698Z","updatedAt":"2022-06-03T01:24:14.428Z","image":null}],"image":{"id":6996,"name":"75b8f314d65b4f7a847faceb6de79f7e.webp","alternativeText":null,"caption":null,"width":2000,"height":500,"formats":null,"hash":"75b8f314d65b4f7a847faceb6de79f7e_de06a225c5","ext":".webp","mime":"image/webp","size":36.37,"url":"/thought-leadership/institute-business-value/uploads/en/75b8f314d65b4f7a847faceb6de79f7e_de06a225c5","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:21:12.365Z","updatedAt":"2022-03-06T10:21:12.416Z"},"thumbnail":{"id":6050,"name":"d4161ccd13664d269587c010c6ebcdbb.webp","alternativeText":null,"caption":null,"width":381,"height":191,"formats":null,"hash":"d4161ccd13664d269587c010c6ebcdbb_5047574ded","ext":".webp","mime":"image/webp","size":4.82,"url":"/thought-leadership/institute-business-value/uploads/en/d4161ccd13664d269587c010c6ebcdbb_5047574ded","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:20:46.073Z","updatedAt":"2022-03-06T10:20:47.002Z"},"mlinks":{"id":2,"prompt":"The future is quantum","offer1":"An \"industry first\" initiative to build universal quantum computers for business and science.","action1":"Quantum computing services","link1":"https://www.research.ibm.com/ibm-q/consulting/","offer2":"What exactly is quantum computing, and what does it take to achieve these quantum breakthroughs? Here’s what you need to know.","action2":"What is quantum computing","link2":"https://www.research.ibm.com/ibm-q/learn/what-is-quantum-computing","offer3":"Your trusted partner in digital transformation.","action3":"IBM Consulting","link3":"https://www.ibm.com/consulting/","locale":"en-us","createdAt":"2018-12-04T09:39:58.954Z","updatedAt":"2021-07-23T04:11:49.672Z"},"assets":[]},{"id":11,"slug":"finance-leaders-unlocking-potential-digital","title":"Finance leaders are unlocking the potential of digital","subtitle":"Finance is the critical component to help the enterprise capitalize on the new digital environment. How?","date":"2018-01-25T13:00:00.000Z","blurb":"Finance is the critical component to help the enterprise capitalize on the new digital environment. How? By providing the insights, forecasts and foresights to support the enterprise in making strategic decisions.\n","content":"\u003cp\u003eBy providing the insights, forecasts and foresights to support the enterprise in making strategic decisions. The CEO looks directly to the CFO to understand the anticipated financial impact of new business models and operational changes in an uncertain business market.\u003c/p\u003e\n\n\u003cp\u003eThe \u003ca href=\"http://ibm.com/iibv\" target=\"_blank\"\u003eIBM Institute for Business Value (IBV)\u003c/a\u003e surveyed 511 CFOs and senior finance executives for \u003ca href=\"https://www-935.ibm.com/services/us/gbs/thoughtleadership/drfinance/\" target=\"_blank\"\u003ea new study\u003c/a\u003e about Digital Reinvention\u003csup\u003e\u0026reg;\u003c/sup\u003e. These executives confirmed that finance now has a more prominent role within the business, including applying analytics and creating insights that impact enterprise-wide strategic decisions. These impact areas can include identifying and evaluating organic growth opportunities; analyzing customer profiles and value; and responding to changes in strategy and business model. In addition, executives surveyed said that multiple digital technologies are critical to finance. Digital Reinvention\u003csup\u003e\u0026reg;\u003c/sup\u003e can help CFOs leverage these new technologies to transform their operations, address disruption and provide influence beyond the finance function.\u003c/p\u003e\n\n\u003cp\u003e\u003cimg alt=\"combination of technologies\" height=\"321\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/00b15145d7b64706a43204e4a39318d3.png\" width=\"568\" /\u003e\u003c/p\u003e\n\n\u003cp\u003eWe identified three things that finance executives from leading organizations do that can serve as an example to others.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003ePursue a new focus\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eFinance executives need to employ advanced analytics that incorporate both structured and unstructured data across the enterprise. This can help identify new ways of realizing and monetizing value. Our finance leaders have analytics for organic growth opportunities in place 67 percent more than their peers.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eBuild new expertise\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eManaging the transition to Digital Reinvention\u003csup\u003eTM\u003c/sup\u003e requires discipline and management. Ninety-two percent of our finance leaders have implemented strategies to help their finance employees adapt to changes associated with digital reinvention technologies \u0026mdash; a step taken by just 51 percent of their peers.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eEstablish new ways to work\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eFinance executives need to digitize their services and processes. And they need to use digital technologies to create fully integrated, flexible and agile operating environments. Our finance leaders are applying these digital technologies in the record-to-report, procure-to-pay and order-to-cash processes.\u003c/p\u003e\n\n\u003cp\u003eTo learn more, read the \u003ca href=\"https://www.ibm.com/consulting/us/gbs/thoughtleadership/drfinance\" target=\"_blank\"\u003efull report\u003c/a\u003e and visit \u003ca href=\"http://ibm.com/finance\" target=\"_blank\"\u003eibm.com/finance\u003c/a\u003e.\u003c/p\u003e\n\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\n","approved":true,"image_alt":"","thumbnail_alt":"","hideRelatedBlogs":false,"createdAt":"2019-08-30T03:10:23.522Z","updatedAt":"2022-03-06T10:21:12.936Z","author":[{"id":176,"name":"Spencer Lin","email":"spencer.lin@us.ibm.com","twitter":"","facebook":"","linkedin":"https://www.linkedin.com/in/spencer-lin-35896317","featured":false,"priority":0,"title":"Global Research Leader, Chemicals, Petroleum, and Industrial Products, IBM Institute for Business Value","image_alt":"","place_of_employment":"","bio":"","createdAt":"2018-12-01T12:32:52.164Z","updatedAt":"2023-10-23T20:15:49.837Z","image":null}],"image":{"id":7357,"name":"a8c3a607c76c46cbadc01b13fc38ae6e.webp","alternativeText":null,"caption":null,"width":2001,"height":501,"formats":null,"hash":"a8c3a607c76c46cbadc01b13fc38ae6e_d501b13a66","ext":".webp","mime":"image/webp","size":52.08,"url":"/thought-leadership/institute-business-value/uploads/en/a8c3a607c76c46cbadc01b13fc38ae6e_d501b13a66","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:21:12.808Z","updatedAt":"2022-03-06T10:21:12.913Z"},"thumbnail":{"id":6661,"name":"81604ddb210241b0bf93e2629990eee9.webp","alternativeText":null,"caption":null,"width":2001,"height":501,"formats":null,"hash":"81604ddb210241b0bf93e2629990eee9_c33dbabd87","ext":".webp","mime":"image/webp","size":52.08,"url":"/thought-leadership/institute-business-value/uploads/en/81604ddb210241b0bf93e2629990eee9_c33dbabd87","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:20:58.443Z","updatedAt":"2022-03-06T10:20:58.509Z"},"mlinks":{"id":298,"prompt":"augmented-banking","offer1":"Create a superior customer experience, build agile core banking systems, offer innovative payment services and optimize enterprise risk management.","action1":"Core banking systems","link1":"https://www.ibm.com/industries/banking-financial-markets","offer2":"The bank becomes a platform. Explore new integrated business models that weave financial services into customers’ daily lives.","action2":"Next generation banking","link2":"https://www.ibm.com/industries/banking-financial-markets/next-gen-banking","offer3":"Your trusted business and technology partner for digital transformation.","action3":"IBM Consulting","link3":"https://www.ibm.com/consulting","locale":"en-us","createdAt":"2019-05-02T22:24:11.344Z","updatedAt":"2022-10-30T22:40:24.353Z"},"assets":[]},{"id":18,"slug":"ai-iot-smarter-business","title":"Combining artificial intelligence with the Internet of Things could make your business smarter","subtitle":"C-suite executives are making an important discovery: the Internet of Things (IoT) coupled with advanced analytics capabilities such as artificial intelligence (AI) can lead to next-level solutions and experiences.","date":"2018-01-08T13:00:00.000Z","blurb":"C-suite executives are making an important discovery: the Internet of Things (IoT) coupled with advanced analytics capabilities such as artificial intelligence (AI) can lead to next-level solutions and experiences.\n","content":"\u003cp\u003eTo realize greater value from the network, and to radically transform their business and operating models, industry leaders are integrating AI with incoming data from a vast array of IoT devices. \u0026nbsp;Forward-thinking leaders are building out scalable digital platforms that help uncover new insights about customer behaviors, perform predictive maintenance on key components and enhance yields in manufacturing, agriculture and logistics networks.\u003c/p\u003e\n\n\u003cp\u003eA \u003ca href=\"https://www.ibm.com/consulting/studies/csuite/iot/\" target=\"_blank\"\u003enew report\u003c/a\u003e from the \u003ca href=\"https://www.ibm.com/consulting/studies/csuite/\" target=\"_blank\"\u003eIBM Global C-suite Study Program\u003c/a\u003e shows that C-suite executives recognize a strong need to reinvent their enterprises by digitizing communications and interactions. This is part of a shift in focus from product and service innovation toward building superior customer experiences. IoT technologies can help companies make this change. Most C-suite executives surveyed say they are deploying IoT solutions at some level: 66 percent are in various stages of piloting, implementing or using IoT capabilities.\u003c/p\u003e\n\n\u003cp\u003eA group of high-performers (the Reinventors) is looking to further extend the potential of IoT within its business operations. This group makes up 19 percent of the more than 3,000 C-suite executives the\u0026nbsp;\u003ca href=\"https://www.ibm.com/consulting/us/gbs/thoughtleadership/\" target=\"_blank\"\u003eIBM Institute for Business Value\u003c/a\u003e\u0026nbsp;interviewed. They are keenly focused on reaping more benefits by augmenting IoT with AI.\u003c/p\u003e\n\n\u003cp\u003e\u003cimg alt=\"Iot merged with AI\" height=\"908\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/228c1fa1aba446a4ba1e576bbcc31a54.png\" width=\"1200\" /\u003e\u003c/p\u003e\n\n\u003cp\u003eReinventors excel at using customer data and analyzing competitors to innovate their products and services. They scrutinize any available data to understand customer needs, and anticipate what customers want. Reinventors also analyze their competitors\u0026rsquo; responses to customer demands. And they are using these insights relentlessly to evaluate, reengineer and fine-tune their customer responses. In doing so, Reinventors are moving from \u003cem\u003ecapturing\u003c/em\u003e IoT sensor data to \u003cem\u003eleveraging\u003c/em\u003e it for competitive advantage.\u003c/p\u003e\n\n\u003cp\u003eReinventors also understand that with the addition of AI, the full potential of IoT can be leveraged for business model reinvention. With AI, they expect to introduce new products, discover new opportunities, reduce risk and increase revenue.\u003c/p\u003e\n\n\u003cp\u003e\u003cimg alt=\"Potential of IoT with AI\" height=\"772\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/c189d87ca2ba433280ab3d0ca03528e7.png\" width=\"1200\" /\u003e\u003c/p\u003e\n\n\u003cp\u003eWith increasing connections and data proliferation, enterprises must address three great opportunities: enabling deeper customer relationships, finding new sources of value through data and accelerating the digital transformation of their operations. Top achievers are amplifying their performance. They are capturing all forms of data from a variety of interconnected devices and using AI-based applications to plumb that data to reach new levels of operational and financial proficiency.\u003c/p\u003e\n\n\u003cp\u003eFor the full story, download \u003ca href=\"https://www.ibm.com/consulting/studies/csuite/iot/\" target=\"_blank\"\u003ethe report\u003c/a\u003e.\u003c/p\u003e\n\n\u003cp\u003e\u003cem\u003eThis blog is part of a monthly series that highlights emerging trends from our \u003ca href=\"http://www.ibm.com/globalcsuitestudy\" target=\"_blank\"\u003e19th Global C-suite Study.\u003c/a\u003e The study features interviews with more than 10,000 CxOs.\u003c/em\u003e\u003c/p\u003e\n","approved":true,"image_alt":"","thumbnail_alt":"","hideRelatedBlogs":false,"createdAt":"2019-08-30T03:40:10.697Z","updatedAt":"2022-03-06T10:21:05.703Z","author":[{"id":48,"name":"Karen Butner","email":"kbutner@us.ibm.com","twitter":"","facebook":"","linkedin":"https://www.linkedin.com/in/karenvbutner/","featured":false,"priority":0,"title":"Global Research Leader, AI and Automation and Supply Chain Operations, IBM Institute for Business Value","image_alt":"","place_of_employment":"","bio":"","createdAt":"2018-12-01T12:32:51.693Z","updatedAt":"2024-11-12T16:35:35.652Z","image":null}],"image":{"id":6354,"name":"60283b58b40f4639922a78a871e52b6a.webp","alternativeText":null,"caption":null,"width":1440,"height":320,"formats":null,"hash":"60283b58b40f4639922a78a871e52b6a_5bf1523a4d","ext":".webp","mime":"image/webp","size":10.51,"url":"/thought-leadership/institute-business-value/uploads/en/60283b58b40f4639922a78a871e52b6a_5bf1523a4d","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:21:05.456Z","updatedAt":"2022-03-06T10:21:05.675Z"},"thumbnail":{"id":6721,"name":"732f6029f7ad4b4eaf9c97e6008d2d4f.webp","alternativeText":null,"caption":null,"width":380,"height":190,"formats":null,"hash":"732f6029f7ad4b4eaf9c97e6008d2d4f_881201bf5f","ext":".webp","mime":"image/webp","size":4.41,"url":"/thought-leadership/institute-business-value/uploads/en/732f6029f7ad4b4eaf9c97e6008d2d4f_881201bf5f","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:20:47.445Z","updatedAt":"2022-03-06T10:20:47.584Z"},"mlinks":{"id":40,"prompt":"Artificial intelligence (AI) is revolutionizing business","offer1":"Leverage AI to drive smart reinvention of your workflows and technology.","action1":"AI, data, and analytics offerings.","link1":"https://www.ibm.com/consulting/artificial-intelligence","offer2":"Automation, strengthened by AI, is creating a new collaborative workforce of humans and machines. ","action2":"Automation","link2":"https://www.ibm.com/automation","offer3":"Your trusted business and technology partner for digital transformation.","action3":"IBM Consulting","link3":"https://www.ibm.com/consulting","locale":"en-us","createdAt":"2018-12-04T09:39:59.076Z","updatedAt":"2022-08-12T04:09:27.413Z"},"assets":[]},{"id":32,"slug":"strategic-considerations-electronics","title":"Seven insights electronics executives should be talking about","subtitle":"Starting this week, the newest gadgets will glisten in all their glory at CES in Las Vegas.","date":"2018-01-08T13:00:00.000Z","blurb":"Starting this week, the newest gadgets will glisten in all their glory at CES in Las Vegas. While the latest curved TV is beautiful, the IBM Institute for Business Value would like to focus on strategies that can help your business before your feed is filled with shiny objects.\n","content":"\u003cp\u003eWhile the latest curved TV is beautiful, the\u0026nbsp;\u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value\" target=\"_blank\"\u003eIBM Institute for Business Value\u003c/a\u003e would like to focus on strategies that can help your business before your feed is filled with shiny objects.\u003c/p\u003e\n\n\u003cp\u003eWe have one of the richest global research data sets developed in \u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/industry/electronics\" target=\"_blank\"\u003eelectronics.\u003c/a\u003e It monitors the pulse of the industry and tracks transformation while taking into account economics, investment metrics and the sources of early returns. From our research, we\u0026rsquo;ve identified seven initial insights electronics executives should consider to help increase organizational intelligence, innovation, relevance and resilience:\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eCloud is no longer an IT thing. Cloud is an innovation thing.\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eOrganizations need to adopt different metrics to measure and capitalize on its power. While 56% of electronics executives plan to continue investments in cloud computing, advanced companies will be navigating the cloud continuum to deliver innovation. Using cloud to spread the workload or speed of new product development or reinventing the supply chain with external data, a new approach will focus on business value; data combined from public and private data sets; speed to answer and use that that data; and security. \u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/report/cloudcontinuum\" target=\"_blank\"\u003eOur new report\u003c/a\u003e presents eight use cases that thoughtfully weigh business objectives to achieve innovation.\u003c/p\u003e\n\n\u003cp\u003e\u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/report/cloudcontinuum\" target=\"_blank\"\u003e\u003cimg alt=\"\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/98602be2fa67416fa285bdd464d66702.jpg\" style=\"height:375px; width:500px\" /\u003e\u003c/a\u003e\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eMerging Internet of Things (IoT) and artificial intelligence (AI) technologies is a fast path to value.\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eStarting with two or three use cases and a firm strategy is critical. While the rush to install IoT sensors has yielded success, \u003ca href=\"http://ibm.biz/csuiteiotblog\" target=\"_blank\"\u003ethere\u0026rsquo;s so much more you could know and can do\u003c/a\u003e. In electronics, an amazing 90% of respondents are experimenting, piloting, implementing or have established an IoT beachhead in the market. A set of early adopters has found success because of their strong ties to strategy.\u003c/p\u003e\n\n\u003cp\u003eOverall, 42% of electronics respondents said they expect the combination of IoT and AI to transform their businesses. Using IoT data for base use cases \u0026mdash; such as detect and repair \u0026mdash; is a great starting point. However, combining IoT with multiple external data sources leveraging AI has more significant value. Mapping device locations to enable better technician routing, understanding water quality or power supply considerations, and assessing geo-based impacts or temperature considerations leads to better, more rapid decisions. It leads to \u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/report/warrantymgmt\" target=\"_blank\"\u003ebetter warranty management\u003c/a\u003e and product decisions.\u003c/p\u003e\n\n\u003cp\u003e\u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/report/warrantymgmt\" target=\"_blank\"\u003e\u003cimg alt=\"\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/1ca9fa2ba3654fdfaa028553a8ca14f3.jpg\" style=\"height:375px; width:500px\" /\u003e\u003c/a\u003e\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eElectronics executives say they expect to have more ecosystem partners and better sharing, yet we\u0026rsquo;re still saying innovation is coming from inside the organization.\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eThat thinking has to change. To talk about convergence in real terms, let\u0026rsquo;s consider these five data points:\u003c/p\u003e\n\n\u003cp\u003eOf the electronics executives we surveyed,\u003c/p\u003e\n\n\u003cul\u003e\n\t\u003cli\u003e77% said they expect to defend their current market position through price and cost reduction.\u003c/li\u003e\n\t\u003cli\u003e73% said that industry incumbents are deploying innovative technologies, processes or business models.\u003c/li\u003e\n\t\u003cli\u003e71% said they expect to expand ecosystem partners and engage in better sharing.\u003c/li\u003e\n\t\u003cli\u003e73% also said convergence (the merging of industries, as suppliers, distributors, customers and competitors increasingly cooperate in ecosystems created to deliver new products and services) was the greatest trend they see driving the business.\u003c/li\u003e\n\t\u003cli\u003eYet 50% said they expect their innovation to come more from internal sources than form external ones.\u003c/li\u003e\n\u003c/ul\u003e\n\n\u003cp\u003eDoes it strike anyone else that these illustrate conflicting purposes? Companies are fully capable of \u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/report/digital-reinvention\" target=\"_blank\"\u003eDigital Reinvention\u0026reg;\u003c/a\u003e and greater reliance on partners to do what they do best as a faster path to success. Yet some companies rely on price- and cost-reduction for market manipulation. That\u0026rsquo;s a race to the bottom. No matter how effective your supply chain, neither price- nor cost-reduction builds the trust or loyalty customers require in an increasingly digital world.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eDigital Reinvention\u0026reg; is not a feature set, it\u0026rsquo;s a methodology and a mindset.\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eDigital innovators are identifying opportunities in traditional and emerging electronics markets, where they successfully blend equipment, software, services and content into powerful packages. It is a re-imagining of how business is done. By design, it centers on outcomes rather than inputs and starts with the future rather than the present or past. It helps electronics businesses re-conceive how and with whom they operate and how they engage with their environment. And it helps them better understand the imperatives of their consumers, customers and business partners \u0026mdash; which helps them anticipate rather than respond to needs. Shifting away from a product-centered focus to an experience-centered one is key. We have seven examples in \u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/report/drelectronics\" target=\"_blank\"\u003ea new report\u003c/a\u003e, with more to come.\u003c/p\u003e\n\n\u003cp\u003e\u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/report/drelectronics\" target=\"_blank\"\u003e\u003cimg alt=\"Data by design\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/9b15c21625f445d398faef4f051b30eb.png\" style=\"height:374px; width:499px\" /\u003e\u003c/a\u003e\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eAdaptability is now a mission-critical skill, and it requires a platform.\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eElectronics businesses can\u0026rsquo;t depend on one product or even multiple products capturing sufficient market share to drive their aggressive growth targets. That\u0026rsquo;s what makes adaptability and resilience so valuable, along with innovation and intelligence. Platforms enable intelligence accessible to the organization \u0026mdash; going well beyond mobility to increase collaboration. That support massively increases connections and networking of data and people.\u003c/p\u003e\n\n\u003cp\u003eIn this area, AI is simply the only way to bring together the disparate but important facts an electronics company will need to scale up or down in the right areas \u0026mdash; whether that\u0026rsquo;s capacity, product, resources or capital. You can\u0026rsquo;t be fast or fluid enough any other way.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eThe platform should be all about data. The data economy is not \u0026ldquo;the new oil,\u0026rdquo; it\u0026rsquo;s the means to change the scope and scale of your business.\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eThe primary function of a platform should be to enable \u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/report/digital-reinvention\" target=\"_blank\"\u003eDigital Reinvention\u0026reg;\u003c/a\u003e. This can allow companies to focus on the creation of a data economy to serve customers and ecosystem partners. It accords data a role central to every part of the business, allowing organizations to change both scope and scale quickly.\u003c/p\u003e\n\n\u003cp\u003eYou will need to consider three core sets of data: people data, asset data and environment data. This data should come from inside and outside your organization. That is why Digital Reinvention focuses on outcomes. Solving your biggest challenges and creating your biggest opportunities requires context from the world at large.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eThere\u0026rsquo;s a connection between devices, privacy and consumer expectations that sets up better ways to win.\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eThis adds up to an ocean of data \u0026mdash; from devices and actions to consumers and processes. All of those have security and privacy implications that are growing increasingly complex.\u003c/p\u003e\n\n\u003cp\u003eThe sharing population has distinct expectations around trust, transparency and value. According to new IBV research on data-sharing, 72% of respondents said they were sensitive to the way electronics companies handle their information and 80% indicated privacy was important compared to other topics. And of those most willing to share their information, 79% said the data they provide belongs to them. The most advanced organizations understand this. When we asked electronics executives about the importance of data security and privacy of a customer\u0026rsquo;s private data, 72% said it was mission critical. We can expect customers are going to ask them to prove it.\u003c/p\u003e\n\n\u003cp\u003eWant to learn more? IBM\u0026rsquo;s bench strength, solutions portfolio and industry experts are ready in Las Vegas this week for you to come \u003ca href=\"https://www.ibm.com/industries/electronics/events/ces-overview?cm_mmc=OSocial_Twitter-_-Industrial_Industrial+-+Discrete+Manufacturing-_-WW_WW-_-CES+2018+-+Industrial+Landing+Page+-+Twitter\u0026amp;cm_mmca1=000019XS\u0026amp;cm_mmca2=10005255\u0026amp;\" target=\"_blank\"\u003etalk to us\u003c/a\u003e. Drop in and say hi. We have plenty to talk about.\u003c/p\u003e\n","approved":true,"image_alt":"Seven strategic considerations electronics executives should be talking about","thumbnail_alt":"Seven strategic considerations electronics executives should be talking about","hideRelatedBlogs":false,"createdAt":"2019-08-30T03:52:52.279Z","updatedAt":"2022-03-06T10:21:20.079Z","author":[{"id":30,"name":"Cristene Gonzalez-Wertz","email":"cristeneg@us.ibm.com","twitter":"https://twitter.com/Hermione1","facebook":"","linkedin":"https://www.linkedin.com/in/cjgw1/","featured":false,"priority":0,"title":"Global Electronics, Environment, Energy, and Utilities Research Leader, IBM Institute for Business Value","image_alt":"","place_of_employment":"","bio":"","createdAt":"2018-12-01T12:32:51.850Z","updatedAt":"2022-08-26T04:11:10.077Z","image":null}],"image":{"id":7484,"name":"af9a87db1afc4066bf7be53f78892cbc.webp","alternativeText":null,"caption":null,"width":1440,"height":321,"formats":null,"hash":"af9a87db1afc4066bf7be53f78892cbc_7e198c480c","ext":".webp","mime":"image/webp","size":41.82,"url":"/thought-leadership/institute-business-value/uploads/en/af9a87db1afc4066bf7be53f78892cbc_7e198c480c","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:21:19.838Z","updatedAt":"2022-03-06T10:21:20.069Z"},"thumbnail":{"id":6423,"name":"95e50d690b464a6b874a6f038a3a06b8.webp","alternativeText":null,"caption":null,"width":1440,"height":321,"formats":null,"hash":"95e50d690b464a6b874a6f038a3a06b8_41905ebfd9","ext":".webp","mime":"image/webp","size":41.82,"url":"/thought-leadership/institute-business-value/uploads/en/95e50d690b464a6b874a6f038a3a06b8_41905ebfd9","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:21:05.470Z","updatedAt":"2022-03-06T10:21:05.655Z"},"mlinks":{"id":105,"prompt":"cloudcontinuum","offer1":"Discover a faster, more secure journey to cloud trusted by thousands of enterprises across 20 industries","action1":"IBM Cloud","link1":"https://www.ibm.com/cloud","offer2":"The electronics industry is infusing intelligence into products and connecting them to everything. Companies that figure out how to turn that data into actionable insights will create new business models and deliver greater value to customers.","action2":"Electronics solutions","link2":"https://www.ibm.com/industries/electronics","offer3":"Leverage your investment in a multicloud environment with the security and flexibility to manage your applications and workload requirements.","action3":"Multicloud Managed Services","link3":"https://www.ibm.com/consulting/cloud/multicloud","locale":"en-us","createdAt":"2018-12-04T09:39:59.244Z","updatedAt":"2022-08-20T05:01:48.321Z"},"assets":[]},{"id":12,"slug":"artificial-intelligence-elevate-workforce","title":"Artificial intelligence can elevate the human workforce to meet challenges of the future","subtitle":"From the invention of the mechanical weaving loom at the start of the Industrial Age to the debut of personal computers in the Information Age, people have typically been more hesitant than eager when faced with rapid technological change. ","date":"2017-12-22T13:00:00.000Z","blurb":"From the invention of the mechanical weaving loom at the start of the Industrial Age to the debut of personal computers in the Information Age, people have typically been more hesitant than eager when faced with rapid technological change.\n","content":"\u003cp\u003eIn retrospect, it seems laughable that society would view such transformational advances with skepticism. Technological revolution typically faces growing pains as the workforce strives to adapt its skills to the new environment. Yet it\u0026rsquo;s apparent that businesses are aiming to use these innovations as tools for human enablement rather than replacement.\u003c/p\u003e\n\n\u003cp\u003eDeveloping the latest skills poses an increasingly difficult challenge for both the C-suite and the workforce. The recent IBM \u003ca href=\"https://www.ibm.com/consulting/us/gbs/thoughtleadership/skillsstorm/\" target=\"_blank\"\u003eGlobal Skills Study\u003c/a\u003e found that 60 percent of executives struggle to keep their workforce\u0026rsquo;s skills current and relevant in the face of rapid technological advancement. What happens when the speed of transition increases at a rate that outpaces the workforce\u0026rsquo;s ability to adapt? The outcome is a global skills gap, in which organizations are unable to sustain their human capital with the skills required to drive innovation.\u003c/p\u003e\n\n\u003cp\u003e\u003cimg alt=\"\" height=\"482\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/6a380ef7a91d4beb93ac6340af71eae4.png\" width=\"768\" /\u003e\u003c/p\u003e\n\n\u003cp\u003eIn spite of the challenges and risks, some employers are willing to invest in emerging technologies and the related people skills. For example, artificial intelligence (AI) has been a hot topic this year. The \u003ca href=\"https://www.ibm.com/consulting/us/gbs/thoughtleadership/\" target=\"_blank\"\u003eIBM Institute for Business Value\u003c/a\u003e report, \u0026ldquo;\u003ca href=\"https://www.ibm.com/consulting/studies/csuite/ai/\" target=\"_blank\"\u003eCognitive Catalysts: Reinventing enterprises and experiences with artificial intelligence,\u003c/a\u003e\u0026rdquo; indicates that the early adopters of AI are seeing business results in diverse areas such as improved talent management and retention. How are these market outperformers able to realize the benefits of this innovative technology so quickly? And in the process, what have they learned about the future of the human worker?\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eBridging the skills gap\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eFinancial analysis of the participants in the \u003ca href=\"https://www.ibm.com/consulting/studies/csuite/\" target=\"_blank\"\u003eGlobal C-suite Study\u003c/a\u003e shows that top performers (those participants with above average revenue and profit growth) are nearly four times more likely to invest in AI in support of their strategic goals than underperformers. They\u0026rsquo;re also more focused on investing in their workforce to create or maintain their competitive dominance.\u003c/p\u003e\n\n\u003cp\u003e\u003cimg alt=\"\" height=\"449\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/8e9c7e09323d4f169787da98c801a27d.png\" width=\"768\" /\u003e\u003c/p\u003e\n\n\u003cp\u003eOutperformers are embracing the power of technology to help drive employee productivity and effectiveness today, while laying the groundwork for their human capital requirements in the future. Their organizational strategy is more likely to include reskilling or training their current workforce to be ready to adopt AI. The outperformers are farther along the path toward creating a business culture that can rapidly adapt and actualize increased productivity as the nature of work evolves. By engendering their workforce to change they may, once again, be ready to pounce on the next cycle of innovation.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eImplications for the AI-enabled workforce\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eOpinions abound regarding the future of an AI-enabled world. Many suggest a rather dystopian future. But the executives we spoke to have a much more positive outlook. Workforce skills and availability in the next two to three years remain primary concerns for CxOs. This focus on people skills implies a desire to update or augment the workforce they have today.\u003c/p\u003e\n\n\u003cp\u003eOutperformers are already making their mark. They are redeploying their employees to higher value-adding tasks at three times the rate of underperformers, while deploying AI to perform more repetitive, structured work. Outperformers have discovered that the value of AI is realized when it\u0026rsquo;s used to enable workers to be more productive.\u003c/p\u003e\n\n\u003cp\u003eFor example, employees at\u0026nbsp;\u003ca href=\"https://www.ibm.com/blogs/watson/2017/09/hiring-heroes-woodside-energy-works-ibm-watson/\" target=\"_blank\"\u003eWoodside Energy\u003c/a\u003e, Australia\u0026rsquo;s largest energy company, are using AI to access 30 years\u0026rsquo; worth of documented expertise in more than 600,000 pages of unstructured technical files. The time spent reading and searching for expert data has been reduced by 75 percent, which is helping the next generation of employees to attain the knowledge they need to become the experts of tomorrow.\u003c/p\u003e\n\n\u003cp\u003eThe future seems anything but dystopian. Rather, top companies are putting a premium on their people and creating a pipeline of skilled human capital. By investing in their workforce today, companies are positioning themselves to take advantage of the technical innovations of tomorrow. Change can still feel uncomfortable, but technologies like AI can play a role in elevating the human workforce to meet the challenges of the future.\u003c/p\u003e\n\n\u003cp\u003e\u003cem\u003eThis blog is part of a monthly series that highlights emerging trends from our \u003ca href=\"http://www.ibm.com/globalcsuitestudy\" target=\"_blank\"\u003e19th Global C-suite Study.\u003c/a\u003e The study features interviews with more than 10,000 CxOs.\u003c/em\u003e\u003c/p\u003e\n","approved":true,"image_alt":"","thumbnail_alt":"","hideRelatedBlogs":false,"createdAt":"2019-08-30T20:54:34.571Z","updatedAt":"2022-03-06T10:21:10.023Z","author":[{"id":420,"name":"Nicholas Petrihos","email":"","twitter":"","facebook":"","linkedin":"","featured":false,"priority":0,"title":"Americas Program Coordinator, Global C-Suite Study, IBM Institute for Business Value","image_alt":"","place_of_employment":"","bio":"","createdAt":"2019-08-30T21:06:38.984Z","updatedAt":"2019-08-30T21:06:56.535Z","image":null}],"image":{"id":7443,"name":"5785f45be4444e1080c00b21448ba8cb.webp","alternativeText":null,"caption":null,"width":2000,"height":500,"formats":null,"hash":"5785f45be4444e1080c00b21448ba8cb_29b5717289","ext":".webp","mime":"image/webp","size":13.67,"url":"/thought-leadership/institute-business-value/uploads/en/5785f45be4444e1080c00b21448ba8cb_29b5717289","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:21:09.763Z","updatedAt":"2022-03-06T10:21:09.997Z"},"thumbnail":{"id":6659,"name":"f8107816a2d2435aaf2078e97a2b219b.webp","alternativeText":null,"caption":null,"width":728,"height":358,"formats":null,"hash":"f8107816a2d2435aaf2078e97a2b219b_0b6815b075","ext":".webp","mime":"image/webp","size":9.39,"url":"/thought-leadership/institute-business-value/uploads/en/f8107816a2d2435aaf2078e97a2b219b_0b6815b075","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:20:52.866Z","updatedAt":"2022-03-06T10:20:52.933Z"},"mlinks":{"id":346,"prompt":"Organizations of the future are talent-centric and AI-powered","offer1":"IBM delivers outcomes and experiences to help enterprises realize the power of talent.","action1":"IBM's talent \u0026 transformation capabilities.","link1":"https://www.ibm.com/consulting/talent-management","offer2":"Your trusted business and technology partner for digital transformation.","action2":"Technology services","link2":"https://www.ibm.com/consulting","offer3":"Improve teaching effectiveness and learning outcomes","action3":"Education solutions","link3":"https://www.ibm.com/industries/education","locale":"en-us","createdAt":"2018-12-04T09:39:59.182Z","updatedAt":"2023-12-13T18:49:45.373Z"},"assets":[]},{"id":36,"slug":"business-trends-change-faster","title":"Business trends change faster than executives can prepare","subtitle":"It has become something of a cliché to hear that the pace of change in business continues to accelerate. Yet based on the evidence from thousands of in-depth interviews with senior executives, it’s apparent that there is some truth to the claim.","date":"2017-11-30T13:00:00.000Z","blurb":"It has become something of a cliché to hear that the pace of change in business continues to accelerate.\n","content":"\u003cp\u003eAt the very least, the widespread availability of near real-time information from multiple sources \u0026mdash; whether traditional or social media \u0026mdash; has greatly increased awareness about what\u0026rsquo;s going on around us.\u003c/p\u003e\n\n\u003cp\u003eC-suite executives tell us they are heavily influenced by the changing nature of the external environment and that their business strategies should follow suit. But just what are these major trends that are having the most impact on business? How dynamic are the changes that are taking place? And given such fluidity in the external environment, are traditional strategy planning cycles too rigid?\u003c/p\u003e\n\n\u003cp\u003eSince 2013, we have asked executives which major business trends they anticipate will drive their enterprise to develop new strategies. Industry convergence \u0026mdash; the merging of industries as suppliers, distributors, customers and competitors cooperate in ecosystems created to develop new products and services \u0026mdash; was clearly the most significant driver to emerge from \u003ca href=\"http://www.ibm.com/consulting/c-suite/study/\" target=\"_blank\"\u003eour last study\u003c/a\u003e.\u003c/p\u003e\n\n\u003cp\u003eThis year, we have been able to track how different participants answered this question during each month of the year, to see if any major world events altered perceptions about what business leaders viewed as being most important. While there have been a few ups and downs from month to month, what is more noteworthy is the dramatic shift in overall position over time in some key areas.\u003c/p\u003e\n\n\u003cp\u003eFor example, the industry convergence trend began 2017 considerably less important to executives than two years ago. But it began to rise later in the year as the breakdown of traditional industry boundaries and barriers again became the predominant factor affecting how business leaders plan to shape their organizations.\u003c/p\u003e\n\n\u003cp\u003e\u003cimg alt=\"industry convergence\" height=\"499\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/6adf29477a8c4e0a9667e336cdbee67f.png\" width=\"768\" /\u003e\u003c/p\u003e\n\n\u003cp\u003eAs convergence rises, two other trends are falling down CxOs\u0026rsquo; list of concerns: cyber risk and the Sharing Economy. Despite a variety of highly publicized security breaches occurring throughout the year, the perception of the threat that they pose to CxOs and their businesses continues to drop. Either executives feel they are already taking adequate steps to protect their systems and data, or an incident needs to take place closer to home before it gets pushed back up the C-suite agenda.\u003c/p\u003e\n\n\u003cp\u003e\u003cimg alt=\"cyber risk\" height=\"449\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/7d7f711a1fc542888fb2a4aa3f31b381.png\" width=\"768\" /\u003e\u003c/p\u003e\n\n\u003cp\u003eThe Sharing Economy is following a similar rapid downward trajectory. This collaborative economic model, in which customers share, borrow or rent assets owned by someone else, is exemplified by Uber, Airbnb and Lyft. These disruptors shook up their respective markets so dramatically that many other sectors feared they might be next.\u003c/p\u003e\n\n\u003cp\u003eBut while many startups have focused on creating the next big idea using this model, success requires far more than a cool app. Creating an ecosystem is hard \u0026mdash; especially one that can upset an industry value chain. The fact that no similar disruptors have come on the scene in the last 12 months with anywhere near the same impact must be why the Sharing Economy trend has fallen off executives\u0026rsquo; radar.\u003c/p\u003e\n\n\u003cp\u003e\u003cimg alt=\"business trends\" height=\"450\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/7d5283b0d8bb4d9ba1694bd5faef5fb5.png\" width=\"768\" /\u003e\u003c/p\u003e\n\n\u003cp\u003eWhat ought to be of bigger concern to business leaders is not which particular trend should have the greatest influence on their strategy, but the speed with which the relative importance of those trends change. Traditional annual cycles of strategy planning are too long when major external forces can drastically change over a three- to six-month period. A more rapid, short-term, evolutionary approach to strategy development needs to become the norm. This is something that the more agile organizations are starting to do. We\u0026rsquo;ll explore this idea in more detail in the new Global C-suite Study report coming in early 2018.\u003c/p\u003e\n\n\u003cp\u003e\u003cem\u003eThis blog is part of a monthly series that highlights emerging trends from our \u003ca href=\"http://www.ibm.com/globalcsuitestudy\" target=\"_blank\"\u003e19th Global C-suite Study.\u003c/a\u003e The study features interviews with more than 10,000 CxOs.\u003c/em\u003e\u003c/p\u003e\n","approved":true,"image_alt":"Business trends change faster than executives can prepare","thumbnail_alt":"Business trends change faster than executives can prepare","hideRelatedBlogs":false,"createdAt":"2019-08-30T21:44:36.535Z","updatedAt":"2022-06-02T23:51:50.079Z","author":[{"id":347,"name":"Stephen Marshall","email":"stephenm@nz1.ibm.com","twitter":"","facebook":"","linkedin":"https://ae.linkedin.com/in/stephenmarshall","featured":false,"priority":0,"title":"Global C-suite Study Programme Manager, Asia-Pacific IBM Consulting ","image_alt":"","place_of_employment":"","bio":"","createdAt":"2019-08-28T22:03:04.415Z","updatedAt":"2022-07-11T23:17:15.499Z","image":null}],"image":{"id":6117,"name":"986da63baeca483ca4fd1a3fc93cf714.webp","alternativeText":null,"caption":null,"width":2000,"height":500,"formats":null,"hash":"986da63baeca483ca4fd1a3fc93cf714_07b1c5aacc","ext":".webp","mime":"image/webp","size":13.67,"url":"/thought-leadership/institute-business-value/uploads/en/986da63baeca483ca4fd1a3fc93cf714_07b1c5aacc","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:20:57.304Z","updatedAt":"2022-03-06T10:20:57.365Z"},"thumbnail":{"id":6113,"name":"da66b6a373214579ae95397b25b835ea.webp","alternativeText":null,"caption":null,"width":728,"height":358,"formats":null,"hash":"da66b6a373214579ae95397b25b835ea_723ddaf334","ext":".webp","mime":"image/webp","size":9.39,"url":"/thought-leadership/institute-business-value/uploads/en/da66b6a373214579ae95397b25b835ea_723ddaf334","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:20:47.730Z","updatedAt":"2022-03-06T10:20:47.821Z"},"mlinks":{"id":107,"prompt":"Reveal business insights","offer1":"IBM can help you shift from analog to digital, unlock new sources of value and optimize the operating model.","action1":"IBM Finance services","link1":"https://www.ibm.com/consulting/process/finance","offer2":"Powered by the latest innovations in machine learning, Watson is the open, multicloud platform that lets you automate the AI lifecycle.","action2":"Embark on your AI journey","link2":"https://www.ibm.com/watson/","offer3":"Your trusted business and technology partner for digital transformation.","action3":"IBM Consulting","link3":"https://www.ibm.com/consulting","locale":"en-us","createdAt":"2018-12-04T09:39:59.270Z","updatedAt":"2022-08-12T00:19:08.198Z"},"assets":[]},{"id":20,"slug":"winning-companies-use-cloud","title":"How winning companies use cloud as a technology convergence platform","subtitle":"Technologies like blockchain, artificial intelligence (AI), the Internet of Things (IoT), big data and predictive analytics are causing massive industry dislocation. Visionary organizations are leveraging cloud technology to take advantage of them all.","date":"2017-11-02T12:00:00.000Z","blurb":"Technologies like blockchain, artificial intelligence (AI), the Internet of Things (IoT), big data and predictive analytics are causing massive industry dislocation. Visionary organizations are leveraging cloud technology to take advantage of them all.\n","content":"\u003cp\u003eThese organizations are a giant step ahead in the game, according to \u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/report/winningcloud\" target=\"_blank\"\u003enew research\u003c/a\u003e from the \u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value\" target=\"_blank\"\u003eIBM Institute for Business Value\u003c/a\u003e. They are wielding cloud\u0026rsquo;s capabilities beyond company borders. Their investments in cloud-enabled emerging and disruptive technologies are inciting industry dislocation via value chain disruption, industry convergence, and the emergence of new competitors and ecosystems.\u003c/p\u003e\n\n\u003cp\u003eCloud visionaries conceptualize cloud as a crucible \u0026ndash; an environment where technologies can coalesce to formulate winning strategies that change everything. Unlike their \u0026ldquo;sidelined\u0026rdquo; peers, cloud winners say they no longer regard cloud simply as a place to collect and manipulate data. Instead, they see it as a technology convergence platform that their companies employ to fuse new technologies with strategic transformation.\u003c/p\u003e\n\n\u003cp\u003e\u003cimg alt=\"Disruptive technology merged with cloud\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/fd581a2f16784911a7f109058730e864.png\" style=\"height:602px; width:1024px\" /\u003e\u003c/p\u003e\n\n\u003cp\u003eThinking ahead, visionaries realize that cloud\u0026rsquo;s technology convergence power will spur innovation within their organizations and throughout their value chains. Harnessing cloud\u0026rsquo;s transformative capabilities, executives in these visionary enterprises predict that their organizations will wield it to invent first-of-a-kind customer experiences, attract new customers, create a new ecosystem and develop new business models \u0026ndash; within the next three years.\u003c/p\u003e\n\n\u003cp\u003eCloud integrated with new and emerging technologies will rule the world. To stay in the game, every organization needs to learn how to exploit cloud crucibles that deliver competitive advantage.\u003c/p\u003e\n\n\u003cp\u003eHow can your organization pursue a winning cloud strategy? For more findings and case studies about the strategies of high-performing organizations, including recommendations for creating your own strategy, read \u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/report/winningcloud\" target=\"_blank\"\u003eour new study\u003c/a\u003e.\u003c/p\u003e\n","approved":true,"image_alt":"How winning companies use cloud as a technology convergence platform","thumbnail_alt":"How winning companies use cloud as a technology convergence platform","hideRelatedBlogs":false,"createdAt":"2019-08-30T22:49:36.466Z","updatedAt":"2022-03-06T10:21:15.429Z","author":[{"id":22,"name":"Lynn Kesterson-Townes","email":"lkt@us.ibm.com","twitter":"https://twitter.com/@LynnKesterson","facebook":"","linkedin":"https://linkedin.com/in/lynnkesterson","featured":false,"priority":0,"title":"Global Cloud \u0026 Quantum Leader, IBM Institute for Business Value, IBM Consulting","image_alt":"","place_of_employment":"","bio":"","createdAt":"2018-12-01T12:32:51.788Z","updatedAt":"2022-10-31T02:19:34.507Z","image":null}],"image":{"id":7446,"name":"e9b2239a472c4210960f8a94b55cdf79.webp","alternativeText":null,"caption":null,"width":2000,"height":500,"formats":null,"hash":"e9b2239a472c4210960f8a94b55cdf79_f5970395b9","ext":".webp","mime":"image/webp","size":103.19,"url":"/thought-leadership/institute-business-value/uploads/en/e9b2239a472c4210960f8a94b55cdf79_f5970395b9","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:21:15.342Z","updatedAt":"2022-03-06T10:21:15.415Z"},"thumbnail":{"id":6722,"name":"10c9372ea8fa4368814b57856c1f5cc9.webp","alternativeText":null,"caption":null,"width":381,"height":191,"formats":null,"hash":"10c9372ea8fa4368814b57856c1f5cc9_0d9851a4f3","ext":".webp","mime":"image/webp","size":14.93,"url":"/thought-leadership/institute-business-value/uploads/en/10c9372ea8fa4368814b57856c1f5cc9_0d9851a4f3","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:20:50.716Z","updatedAt":"2022-03-06T10:20:50.782Z"},"mlinks":{"id":24,"prompt":"Welcome to the era of hybrid multicloud","offer1":"IBM Cloud enables seamless integration into public and private cloud environments. The infrastructure is secure, scalable and flexible, providing tailored enterprise solutions that have made IBM Cloud the hybrid cloud market leader.","action1":"IBM Cloud solutions","link1":"https://www.ibm.com/consulting/cloud","offer2":"To meet clients’ needs, IBM offers hybrid multicloud services that advise on open and secure multicloud strategies for application development, migration, modernization and management.","action2":"Hybrid cloud solutions","link2":"https://www.ibm.com/consulting/cloud/multicloud","offer3":"Your trusted business and technology partner for digital transformation.","action3":"IBM Consulting","link3":"https://www.ibm.com/consulting","locale":"en-us","createdAt":"2018-12-04T09:39:59.070Z","updatedAt":"2022-03-11T21:32:29.271Z"},"assets":[]},{"id":17,"slug":"pivotal-cio","title":"The pivotal CIO: Strategic mandates and an urgency to transform","subtitle":"“Who needs a CIO?” The IBM Global CIO Study raised that question back in 2011. At that time, the usefulness of a centralized CIO role was under question, with technology being infused into every aspect of the organization as peer executives applied specific technologies to support their disciplines.","date":"2017-10-31T12:00:00.000Z","blurb":"“Who needs a CIO?”; The IBM Global CIO Study raised that question back in 2011. At that time, the usefulness of a centralized CIO role was under question, with technology being infused into every aspect of the organization as peer executives applied specific technologies to support their disciplines.\n","content":"\u003cp\u003eHowever, the 2011 study revealed that CIOs could thrive by aligning with one of four \u0026ldquo;CIO mandates\u0026rdquo; \u0026ndash; distinct roles for the IT function that reflect the particular needs and expectations of their organization:\u003c/p\u003e\n\n\u003cul\u003e\n\t\u003cli\u003e\u003cstrong\u003eLeverage:\u003c/strong\u003e Provide the IT fundamentals and streamline operations to increase organizational effectiveness.\u003c/li\u003e\n\t\u003cli\u003e\u003cstrong\u003eExpand\u003c/strong\u003e: Create new organizational capabilities by using IT to optimize business processes and increase enterprise-wide collaboration.\u003c/li\u003e\n\t\u003cli\u003e\u003cstrong\u003eTransform:\u003c/strong\u003e Deploy industry-specific IT solutions that strengthen the organization\u0026rsquo;s position in the value chain.\u003c/li\u003e\n\t\u003cli\u003e\u003cstrong\u003ePioneer:\u003c/strong\u003e Help radically re-engineer products, markets and business models that promote the business and organizational vision.\u003c/li\u003e\n\u003c/ul\u003e\n\n\u003cp\u003eFast-forward six years and the CIO\u0026rsquo;s position in the C-suite remains strong, with the role converging on two of the more strategic mandates: Transform and Pioneer. CIOs are working particularly hard to align their IT strategy with their organization\u0026rsquo;s business strategy. According to the latest insights from the \u003ca href=\"https://www.ibm.com/consulting/studies/csuite/about/\" target=\"_blank\"\u003eIBM Global C-suite Study,\u003c/a\u003e almost half of their fellow C-suite colleagues agree that CIOs have already achieved this lofty goal. In doing so, CIOs are becoming aware of competitors using innovative technologies to deliver a more compelling value proposition, which could threaten their organizations\u0026rsquo; business models. That\u0026rsquo;s largely why CIOs are reporting a much greater urgency for their organizations to transform compared to their peers.\u003c/p\u003e\n\n\u003cp\u003e\u003cimg alt=\"Urgency to transform\" height=\"449\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/cd392d0fc6e144f69dd9a91f79ef3191.png\" width=\"768\" /\u003e\u003c/p\u003e\n\n\u003cp\u003eThe critical role that CIOs can play involves strengthening their organizations\u0026rsquo; competitive advantage through innovation. Many CIOs are looking to drive transformation by laying the technological foundations necessary for their organizations to move to a platform-based business model. They also say they are eager to induce advanced analytical and cognitive capabilities to help elevate the customer experience while simultaneously improving the organization\u0026rsquo;s forecasting and decision-making abilities.\u003c/p\u003e\n\n\u003cp\u003eIn their efforts to exceed business expectations and become more proactive in driving transformation, CIOs are stepping away from a \u0026ldquo;not-invented-here\u0026rdquo; syndrome \u0026ndash; in contrast to the rest of the C-suite. CIOs plan to seek new ways of innovating their businesses with the help of other parties at the same time they look inside to innovate.\u003c/p\u003e\n\n\u003cp\u003e\u003cimg alt=\"Partnering for innovation\" height=\"501\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/98b53ed779c44038b89a3b803d8faa82.png\" width=\"768\" /\u003e\u003c/p\u003e\n\n\u003cp\u003eCIOs are showing they\u0026rsquo;re as ready as ever to fulfill their role in the C-suite, taking responsibility to define, as well as implement, the organization\u0026rsquo;s strategy. They\u0026rsquo;re also safeguarding ways for the organization to innovate and respond in an age of increasing uncertainty. CIOs of today not only provide seamless IT experiences, but challenge the way value is distributed within their industries by leveraging innovative technology to better understand and serve customers. Most importantly, they\u0026rsquo;re helping their organizations discover new ways of working and new areas for doing business.\u003c/p\u003e\n\n\u003cp\u003eFind out more about the evolution of the CIO role when we release our full Chief Information Officer report in early 2018.\u003c/p\u003e\n\n\u003cp\u003e\u003cem\u003eThis blog is part of a monthly series that highlights emerging trends from our \u003ca href=\"http://www.ibm.com/globalcsuitestudy\" target=\"_blank\"\u003e19th Global C-suite Study.\u003c/a\u003e The study features interviews with more than 10,000 CxOs.\u003c/em\u003e\u003c/p\u003e\n","approved":true,"image_alt":"The pivotal CIO: Strategic mandates and an urgency to transform","thumbnail_alt":"The pivotal CIO: Strategic mandates and an urgency to transform","hideRelatedBlogs":false,"createdAt":"2019-08-30T22:12:29.260Z","updatedAt":"2022-06-03T01:00:24.842Z","author":[{"id":386,"name":" Theodora Kallipolitou","email":"","twitter":"","facebook":"","linkedin":"","featured":false,"priority":0,"title":"Consultant","image_alt":"","place_of_employment":"","bio":"","createdAt":"2019-08-30T22:25:42.397Z","updatedAt":"2023-03-31T12:04:07.598Z","image":null},{"id":341,"name":"Vanessa Carels van de Vliet","email":"","twitter":"","facebook":"","linkedin":"https://www.linkedin.com/in/vanessa-carels-van-de-vliet-74363a5","featured":false,"priority":0,"title":"C-suite Study Program Manager, IBM Institute for Business Value","image_alt":null,"place_of_employment":null,"bio":"","createdAt":"2019-03-27T00:02:22.832Z","updatedAt":"2022-08-12T00:16:40.052Z","image":null}],"image":{"id":6991,"name":"da4839a0534d44d1a669893f7a10599c.webp","alternativeText":null,"caption":null,"width":2000,"height":500,"formats":null,"hash":"da4839a0534d44d1a669893f7a10599c_323b1e36ff","ext":".webp","mime":"image/webp","size":13.67,"url":"/thought-leadership/institute-business-value/uploads/en/da4839a0534d44d1a669893f7a10599c_323b1e36ff","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:21:03.769Z","updatedAt":"2022-03-06T10:21:03.795Z"},"thumbnail":{"id":6467,"name":"4cde3bd2cc1142a6973453197d6e1b37.webp","alternativeText":null,"caption":null,"width":728,"height":358,"formats":null,"hash":"4cde3bd2cc1142a6973453197d6e1b37_21488c6338","ext":".webp","mime":"image/webp","size":9.39,"url":"/thought-leadership/institute-business-value/uploads/en/4cde3bd2cc1142a6973453197d6e1b37_21488c6338","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:20:54.117Z","updatedAt":"2022-03-06T10:20:54.217Z"},"mlinks":{"id":110,"prompt":"2020-cio","offer1":"Expert guidance, implementation support and managed services to help you simplify and accelerate your journey to cloud.","action1":"Cloud Advisory Services","link1":"https://www.ibm.com/consulting/cloud","offer2":"Helping business accelerate their journey to cloud and become cognitive enterprises.","action2":"Explore Consulting Services","link2":"https://www.ibm.com/consulting","offer3":"Expertise and innovative technology that enable digital transformation.","action3":"Technology Consulting and Services for Enterprises","link3":"https://www.ibm.com/consulting/technology","locale":"en-us","createdAt":"2019-06-11T07:00:29.402Z","updatedAt":"2022-06-03T01:00:24.801Z"},"assets":[]},{"id":23,"slug":"secure-future-mainframe","title":"Secure your future with mainframe","subtitle":"When your company’s major investors ask you how safe their assets are, how do you respond? Do you have the right technology to keep them safe? Mainframe could help you answer those questions more confidently.","date":"2017-10-17T12:00:00.000Z","blurb":"When your company’s major investors ask you how safe their assets are, how do you respond? Do you have the right technology to keep them safe? Mainframe could help you answer those questions more confidently.\n","content":"\u003cp\u003eWhile mainframe technology is nothing new, the latest generation is even safer and more cost-efficient. In fact, \u003ca href=\"https://www.ibm.com/consulting/us/gbs/thoughtleadership/modernmainframe/\" target=\"_blank\"\u003emodern mainframes\u003c/a\u003e are designed to encrypt anything. Clear text information is an open opportunity for digital criminals. Using mainframe pervasive encryption to protect core systems data can reduce the risk of data leaks \u0026mdash; if the right people identify, assess, mitigate, monitor and report risk properly. And centralizing the data in a single mainframe repository saves having to manage updates to more than one copy of business data, which increases the likelihood that the data is current, and above all, safe.\u003c/p\u003e\n\n\u003cp\u003eWe are all too aware of how quickly cyber crime is growing. The average cost of a data breach is USD 4 million \u0026mdash; up nearly 30 percent over the past three years, according to \u003ca href=\"https://www.ibm.com/security/infographics/data-breach/\" target=\"_blank\"\u003eresearch from IBM and Ponemon Institute\u003c/a\u003e. The number of records compromised grew 566 percent in 2016 to more than four billion (from 600 million in 2015). Fifty-three percent of organizations surveyed suffered at least one data breach in past two years, and 66 percent aren\u0026rsquo;t confident in their organization\u0026rsquo;s ability to effectively recover from an attack, according to \u003ca href=\"https://www.ibm.com/security/xforce/\" target=\"_blank\"\u003eIBM X-Force\u003c/a\u003e.\u003c/p\u003e\n\n\u003cp\u003eApart from the obvious potential financial damage, cyber attacks can dramatically and sometimes irreparably impact a company\u0026rsquo;s reputation. A data breach can negatively impact a company\u0026rsquo;s stock price and damage the trust and loyalty of its customers, business partners, investors, and many other stakeholders. Perception matters. The stakes can be very high.\u003c/p\u003e\n\n\u003cp\u003eUntil recently, organizations only needed to worry about employees accessing a few highly controlled and contained applications on the mainframe. Now, you have potentially millions of users logging into your systems to access their records, users who are not just employees, but customers, partners, contractors and other external users.\u003c/p\u003e\n\n\u003cp\u003eThe sheer volume and velocity of data as well as diversity of users requires a much more robust yet flexible approach to security \u0026mdash; a risk-based approach to handling users, processes and technologies. You need automated and role-based access controls that are intelligent enough to know the location of the user, what they want to do and what normal behavior is required before allowing them to gain access. And you need systems that process data securely, efficiently and ensure integrity of data and resiliency in key business processes. In short, you need business-as-usual \u0026mdash; 365 days a year, 24 hours a day, seven days a week \u0026mdash; to be safe. Mainframe can help ensure that happens.\u003c/p\u003e\n\n\u003cp\u003eManaging information risk is one of the new sources of business value and differentiation. A clear strategy around managing data on mainframe is more than just defensive and traditional risk management. It is about securing your future to make smarter business decisions and improve customer experiences leading to new revenue streams.\u003c/p\u003e\n\n\u003cp\u003eTo learn more about mainframes, please read \u003ca href=\"https://www.ibm.com/consulting/us/gbs/thoughtleadership/modernmainframe/\" target=\"_blank\"\u003eour new report\u003c/a\u003e. We also hope you\u0026rsquo;ll meet with us in Toronto at Sibos 2017. To schedule a meeting, please go to \u003ca href=\"http://ibm.com/sibos\" target=\"_blank\"\u003eibm.com/sibos\u003c/a\u003e. Visit IBM\u0026rsquo;s Stand #E08 at Sibos in the Metro Toronto Convention Center.\u003c/p\u003e\n\n\u003cp\u003eRead also:\u003c/p\u003e\n\n\u003cp\u003e\u003ca href=\"https://www.ibm.com/blogs/insights-on-business/gbs-strategy/blockchain-right-risks/\" target=\"_blank\"\u003eBlockchain can help financial institutions take the right risks\u003c/a\u003e\u003cbr /\u003e\n\u003ca href=\"https://ibm.co/2fNARH9\" target=\"_blank\"\u003eFaster payments can be safer payments with augmented intelligence\u003c/a\u003e\u003cbr /\u003e\n\u003ca href=\"https://ibm.co/2y7DqyA\" target=\"_blank\"\u003eBuilding the future of financial services with IBM Blockchain at Sibos\u003c/a\u003e\u003cbr /\u003e\n\u003ca href=\"https://ibm.co/2xvjp5y\" target=\"_blank\"\u003eBanking on blockchain for increased trust\u003c/a\u003e\u003cbr /\u003e\n\u003ca href=\"https://ibm.co/2hyXIqg\" target=\"_blank\"\u003eBanking to the power of IBM: opportunity at Sibos 2017\u003c/a\u003e\u003c/p\u003e\n\n\u003cp\u003e\u003ca href=\"https://ibm.co/2zfNHGE\" target=\"_blank\"\u003eKeeping up with changes in the payments industry\u003c/a\u003e\u003c/p\u003e\n","approved":true,"image_alt":"Secure your future with mainframe","thumbnail_alt":"Secure your future with mainframe","hideRelatedBlogs":false,"createdAt":"2019-08-30T23:03:29.327Z","updatedAt":"2022-03-06T10:20:59.181Z","author":[],"image":{"id":6053,"name":"3325d1efcca348a9872eef8afb9b2da2.webp","alternativeText":null,"caption":null,"width":2000,"height":500,"formats":null,"hash":"3325d1efcca348a9872eef8afb9b2da2_ceb4b914b8","ext":".webp","mime":"image/webp","size":45.04,"url":"/thought-leadership/institute-business-value/uploads/en/3325d1efcca348a9872eef8afb9b2da2_ceb4b914b8","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:20:59.104Z","updatedAt":"2022-03-06T10:20:59.168Z"},"thumbnail":{"id":6349,"name":"caea186a648e461da25fcb8418d455aa.webp","alternativeText":null,"caption":null,"width":381,"height":191,"formats":null,"hash":"caea186a648e461da25fcb8418d455aa_65e9969f84","ext":".webp","mime":"image/webp","size":5.59,"url":"/thought-leadership/institute-business-value/uploads/en/caea186a648e461da25fcb8418d455aa_65e9969f84","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:20:47.727Z","updatedAt":"2022-03-06T10:20:47.815Z"},"mlinks":{"id":110,"prompt":"2020-cio","offer1":"Expert guidance, implementation support and managed services to help you simplify and accelerate your journey to cloud.","action1":"Cloud Advisory Services","link1":"https://www.ibm.com/consulting/cloud","offer2":"Helping business accelerate their journey to cloud and become cognitive enterprises.","action2":"Explore Consulting Services","link2":"https://www.ibm.com/consulting","offer3":"Expertise and innovative technology that enable digital transformation.","action3":"Technology Consulting and Services for Enterprises","link3":"https://www.ibm.com/consulting/technology","locale":"en-us","createdAt":"2019-06-11T07:00:29.402Z","updatedAt":"2022-06-03T01:00:24.801Z"},"assets":[]},{"id":2,"slug":"blockchain-right-risks","title":"Blockchain can help financial institutions take the right risks","subtitle":"The beauty of blockchain stems from its direct transformative impact on a company’s capability to manage risk. Uncertainty is a powerful factor in a business environment, and the ability to properly balance it is paramount to success.","date":"2017-10-13T12:00:00.000Z","blurb":"The beauty of blockchain stems from its direct transformative impact on a company’s capability to manage risk.\n","content":"\u003cp\u003eLeading financial institutions understand that taking calculated gambles is a necessary part of doing business. Modernization, innovation, growth, and even survival, are dependent upon proactive deliberation of risk and a delicate approach to uncertainty. Being a successful bank in 2017 doesn\u0026rsquo;t mean taking on more unpredictability; it means understanding that staying the same is not an option when a firm is engaged in a constantly evolving industry climate.\u003c/p\u003e\n\n\u003cp\u003eGlobally, companies have realized that blockchain has the makings for something great, but not all at once. Even internally at financial firms, those engaged with deciding strategic vision and guiding investment have already embarked on the journey to realize the transformative potential of blockchain. However, the business side of these firms focused more on the day-to-day are slower to adapt because the consistent uptime of their work and the certainty of processes is imperative to the business, and something new can challenge stability. What both parties need to realize is that their success lies in working together cohesively, and that blockchain will amplify business velocity rather than block it.\u003c/p\u003e\n\n\u003cp\u003eFirms must align their attitudes on innovation and change so they can address risk in the short term, and implement successful blockchain solutions. Rather than trying to overhaul everything at once, they must be strategic and thoughtful about how they incorporate the technology and how fast they should move. It\u0026rsquo;s just that simple.\u0026nbsp;\u003c/p\u003e\n\n\u003cp\u003eThe financial industry faces high levels of regulation, redundant processes and operational inefficiencies that are a byproduct of the competitive rush toward computerizing the industry through the 1990s. These hurdles are unlikely to loosen anytime soon. The industry needs to realize that the network effect is key to the successful adoption of technologies such as the blockchain. Taking risks to remove risk isn\u0026rsquo;t about deciding on whether to use new technologies like blockchain; it\u0026rsquo;s about deciding how best to implement it commercially, and to do so within the surrounding constraints. This requires all facets of the firm to be more aligned to a shared strategy and come to decisions jointly.\u003c/p\u003e\n\n\u003cp\u003eTo learn more on gaining blockchain momentum within finance, please read \u003ca href=\"http://ibm.com/consulting/us/gbs/thoughtleadership/bridgingdivide\" target=\"_blank\"\u003eour report\u003c/a\u003e. Additionally, if you happen to be at the Sibos 2017 conference from 16 October through 19 October at the Metro Toronto Convention Center, I invite you to find me at the CLS stand (Stand #M02) to continue a more in-depth dialogue on this topic. In addition, IBM representatives will be available at Stand #E08. To schedule a meeting with them, please go to \u0026nbsp;\u003ca href=\"http://ibm.com/sibos\" target=\"_blank\"\u003eibm.com/sibos\u003c/a\u003e.\u003c/p\u003e\n\n\u003cp\u003eRead also:\u003c/p\u003e\n\n\u003cp\u003e\u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/blog/secure-future-mainframe\" target=\"_blank\"\u003eSecure your future with mainframe\u003c/a\u003e\u003cbr /\u003e\n\u003ca href=\"https://ibm.co/2fNARH9\" target=\"_blank\"\u003eFaster payments can be safer payments with augmented intelligence\u003c/a\u003e\u003cbr /\u003e\n\u003ca href=\"https://ibm.co/2y7DqyA\" target=\"_blank\"\u003eBuilding the future of financial services with IBM Blockchain at Sibos\u003c/a\u003e\u003cbr /\u003e\n\u003ca href=\"https://ibm.co/2xvjp5y\" target=\"_blank\"\u003eBanking on blockchain for increased trust\u003c/a\u003e\u003cbr /\u003e\n\u003ca href=\"https://ibm.co/2hyXIqg\" target=\"_blank\"\u003eBanking to the power of IBM: opportunity at Sibos 2017\u003c/a\u003e\u003c/p\u003e\n","approved":true,"image_alt":"Blockchain can help financial institutions take the right risks","thumbnail_alt":"Blockchain can help financial institutions take the right risks","hideRelatedBlogs":false,"createdAt":"2019-08-31T01:54:48.285Z","updatedAt":"2022-06-02T23:43:54.334Z","author":[{"id":124,"name":"Ram Komarraju","email":"RKomarraju@cls-bank.com","twitter":"","facebook":"","linkedin":"https://www.linkedin.com/in/ramko/","featured":false,"priority":0,"title":"Head of Innovation and Technology Delivery, CLS","image_alt":null,"place_of_employment":null,"bio":"","createdAt":"2018-12-15T03:34:25.722Z","updatedAt":"2019-08-31T02:03:57.827Z","image":null}],"image":{"id":6471,"name":"edd5f95bf7d44f41aeeccab88297f7e3.webp","alternativeText":null,"caption":null,"width":2000,"height":500,"formats":null,"hash":"edd5f95bf7d44f41aeeccab88297f7e3_b9d63c5d8f","ext":".webp","mime":"image/webp","size":23.57,"url":"/thought-leadership/institute-business-value/uploads/en/edd5f95bf7d44f41aeeccab88297f7e3_b9d63c5d8f","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:21:07.659Z","updatedAt":"2022-03-06T10:21:08.020Z"},"thumbnail":{"id":6115,"name":"df0a4e9dcac8424689a8d7fc4e975161.webp","alternativeText":null,"caption":null,"width":381,"height":191,"formats":null,"hash":"df0a4e9dcac8424689a8d7fc4e975161_c290b16047","ext":".webp","mime":"image/webp","size":5.71,"url":"/thought-leadership/institute-business-value/uploads/en/df0a4e9dcac8424689a8d7fc4e975161_c290b16047","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:20:53.078Z","updatedAt":"2022-03-06T10:20:53.116Z"},"mlinks":null,"assets":[]},{"id":19,"slug":"digitally-reinvent-retail","title":"It’s time to digitally reinvent retail","subtitle":"Ever-evolving customer expectations, advances in digital technologies, increased competition from new entrants and encroachment from other industries are all putting immense pressure on traditional, established retailers.","date":"2017-09-11T12:00:00.000Z","blurb":"The retail industry is facing severe disruption. Ever-evolving customer expectations, advances in digital technologies, increased competition from new entrants and encroachment from other industries are all putting immense pressure on traditional, established retailers.\n","content":"\u003cp\u003eThe retail industry is facing severe disruption. The end-to-end consumer value chain is changing beyond recognition. The retail industry is at the vanguard of a revolution that focuses more on solutions and services than products. The new relationship between retailer and consumer is one of individual engagement at scale, extending beyond transactions into customized interactions with retailers becoming essential in customers\u0026rsquo; life stage and lifestyle.\u003c/p\u003e\n\n\u003cp\u003eTo stay competitive, retail businesses will need to use emerging technologies such as cloud, artificial intelligence (AI), mobile and the Internet of Things (IoT) to create compelling customer experiences and drive new efficiencies, opportunities and innovations. In short, they must digitally reinvent themselves, according to \u003ca href=\"http://ibm.com/consulting/us/gbs/thoughtleadership/drretail\" target=\"_blank\"\u003ea new study\u003c/a\u003e from the \u003ca href=\"https://www.ibm.com/consulting/us/gbs/thoughtleadership/\" target=\"_blank\"\u003eIBM Institute for Business Value\u003c/a\u003e.\u003c/p\u003e\n\n\u003cp\u003e\u003cimg alt=\"competition is impacting business\" height=\"433\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/483f7954d2a543d0a996b532f792606e.png\" width=\"768\" /\u003e\u003c/p\u003e\n\n\u003cp\u003eForward-thinking retailers are embracing the concept of Digital Reinvention\u003csup\u003e\u0026reg;\u003c/sup\u003e to fundamentally transform customer and partner relationships. Digital Reinvention\u003csup\u003e\u0026reg;\u003c/sup\u003e can help retailers evolve beyond selling products and build mutually beneficial relationships with customers based on cooperation, collaboration and co-creation. Focus has shifted to new priorities: encouraging consumers to take time to be with their families, live a healthier lifestyle and make positive contributions to their communities \u0026mdash; all in partnership with the retailer.\u003c/p\u003e\n\n\u003cp\u003eHow urgent is the need for change? Barriers to enter the retail market are falling and savvy consumers know their choices are increasing. The stark reality is that to survive, retailers will need to adapt, innovate and experiment like never before. Those that don\u0026rsquo;t risk being eliminated from the consumer value chain.\u0026nbsp; Digital Reinvention\u003csup\u003eTM\u003c/sup\u003e is now recognized as being essential to the success of retail businesses in the post-channel era. We\u0026rsquo;ve identified four steps to help retailers start their Digital Reinvention\u003csup\u003e\u0026reg;\u003c/sup\u003e journey:\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003e1. Envision possibilities\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eRetailers should develop a better understanding of customer needs, aspirations and desires. Using Design Thinking techniques, they should envision new strategies, technological innovations and customer-centric, omni-channel operating models. The result should be the optimal omni-channel shopping experience for each individual customer in the most profitable manner.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003e2. Create pilots\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eDevelop prototypes using agile development, test them with customers and get them to market quickly to promote feedback and iteration. Retailers could engage with Millennials and the even younger Generation Z shoppers who crave involvement and collaborative relationships with brands.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003e3. Deepen capabilities\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eAdopt a continuous, iterative strategy to develop new or existing digital capabilities. This could include embracing technologies such as cloud to underpin broad ecosystems, blockchain to secure transactions and supply chains and AI, IoT and sophisticated analytics to understand consumers more deeply.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003e4. Orchestrate ecosystems\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eFocus on ecosystems to expand and align a broader set of capabilities and to help deliver on customer expectations. Retailers should leverage digital technologies and ecosystems of business partners to create compelling brand experiences, drive purchase behavior and deepen consumer advocacy.\u003c/p\u003e\n\n\u003cp\u003e\u003cimg alt=\"ecoshystems\" height=\"433\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/0b7e30a5cce14786ba85c2038192af06.png\" width=\"768\" /\u003e\u003c/p\u003e\n\n\u003cp\u003eTo foster future success, retail leaders need to review and adapt their business strategies, operations and technological capabilities. A digitally reinvented organization will be able to offer customers a superior engagement experience in which their interests are at the heart of the business. To learn more about the benefits of Digital Reinvention\u003csup\u003e\u0026reg;\u003c/sup\u003e, read \u003ca href=\"http://ibm.com/consulting/us/gbs/thoughtleadership/drretail\" target=\"_blank\"\u003ethe full study\u003c/a\u003e.\u003c/p\u003e\n","approved":true,"image_alt":"It’s time to digitally reinvent retail","thumbnail_alt":"It’s time to digitally reinvent retail","hideRelatedBlogs":false,"createdAt":"2019-08-31T02:23:08.480Z","updatedAt":"2022-06-03T00:36:32.915Z","author":[{"id":234,"name":"Simon Glass","email":"glass@uk.ibm.com","twitter":"https://twitter.com/simonglass004","facebook":"","linkedin":"https://www.linkedin.com/in/simon-glass-730b654/","featured":false,"priority":0,"title":"Global Retail Leader","image_alt":null,"place_of_employment":null,"bio":"","createdAt":"2018-12-01T12:32:53.030Z","updatedAt":"2022-08-24T23:48:38.205Z","image":null}],"image":{"id":6529,"name":"2b80ef732ea94021813cbd84008418d1.webp","alternativeText":null,"caption":null,"width":2000,"height":500,"formats":null,"hash":"2b80ef732ea94021813cbd84008418d1_6a2be8b254","ext":".webp","mime":"image/webp","size":12.69,"url":"/thought-leadership/institute-business-value/uploads/en/2b80ef732ea94021813cbd84008418d1_6a2be8b254","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:20:58.459Z","updatedAt":"2022-03-06T10:20:58.510Z"},"thumbnail":{"id":6051,"name":"420f49683f74480eba52140a1c3c3e57.webp","alternativeText":null,"caption":null,"width":381,"height":191,"formats":null,"hash":"420f49683f74480eba52140a1c3c3e57_ea43676668","ext":".webp","mime":"image/webp","size":3.22,"url":"/thought-leadership/institute-business-value/uploads/en/420f49683f74480eba52140a1c3c3e57_ea43676668","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:20:47.722Z","updatedAt":"2022-03-06T10:20:47.821Z"},"mlinks":null,"assets":[]},{"id":7,"slug":"disruption-regional-phenomenon","title":"The risk of disruption is a regional phenomenon","subtitle":"Nearly half of the more than 7,000 executives we’ve surveyed so far for the IBM Global C-suite Study report little to no disruption in their industries. At first, this finding surprised us.","date":"2017-09-07T12:00:00.000Z","blurb":"Nearly half of the more than 7,000 executives we’ve surveyed so far for the IBM Global C-suite Study report little to no disruption in their industries. At first, this finding surprised us. Now, we have a possible explanation for it: Some regions seem to be more affected by disruption than others.\n","content":"\u003cp\u003eNow, we have a possible explanation for it: Some regions seem to be more affected by disruption than others.\u003c/p\u003e\n\n\u003cp\u003eIf you operate mainly in the Middle East or Africa, chances are you agree the situation is relatively calm. Turning to Europe, the Americas and China, the anxiety level increases slightly. Running an enterprise in other Asia-Pacific countries, and especially Japan, seems to be much more challenging. Why do organizations in some regions report a higher level of disruption than others?\u003c/p\u003e\n\n\u003cp\u003eDisruption is triggered by a variety of external factors outside the direct influence of an organization. These factors can be more prevalent in some areas than others. On average (across all regions), executives say industry convergence continues to be the top factor driving the need for a change in strategy. In most countries, the rise of alternative payment options ranks a close second. But respondents in Japan, for example, indicate that shifts in consumer demographics represent an equally important trend that will influence their future strategic direction.\u003c/p\u003e\n\n\u003cp\u003eEconomists recognize the \u003ca href=\"http://www.independent.co.uk/life-style/japan-demographic-time-bomb-a7651066.html\" target=\"_blank\"\u003edemographic challenges that Japan is facing\u003c/a\u003e, particularly the country\u0026rsquo;s rapidly aging population and drastically decreasing level of consumer spending. It comes as no surprise that, while other regions seem to cope well, Japanese executives are twice as likely to say their customer base is shrinking. In response, one-third of Japanese organizations express an urgent need to transform in the face of disruption. This reflects significantly different behavior from the inertia expressed by executives in \u003ca href=\"https://www.ibm.com/blogs/insights-on-business/gbs-strategy/companies-ignore-threat-disruption-peril/\" target=\"_blank\"\u003eour previous blog\u003c/a\u003e.\u003c/p\u003e\n\n\u003cp\u003e\u003cimg alt=\"Japan and disruption\" height=\"482\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/950f07f288ed47a5a9391c47f24a5277.png\" width=\"768\" /\u003e\u003c/p\u003e\n\n\u003cp\u003eJapanese executives say they have been very successful at managing change in the past \u0026ndash; more so than those in other regions. Yet they are not as prepared for change today. Only one-third of Japanese executives say they have a clear strategy in place to deal with the anticipated level of disruption. Globally, 44 percent of executives say they have a well-defined, formal business strategy.\u003c/p\u003e\n\n\u003cp\u003eBut there is room for optimism. Many CEOs in Japan say they foresee a bright future. More than half say they are planning for an organizational culture that is more conducive to change, and five in ten say they want to build new partnerships to draw out genuine innovations. Innovation may prove to be the best response to disruption.\u003c/p\u003e\n\n\u003cp\u003e\u003cimg alt=\"proactive Japan\" height=\"564\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/910afb927b8d4f8590697c569220814e.png\" width=\"768\" /\u003e\u003c/p\u003e\n\n\u003cp\u003eIt\u0026rsquo;s clear that executives in some regions are planning to put a business strategy and culture in place that will pave the way to transformation. Why aren\u0026rsquo;t others pressured to do the same? We\u0026rsquo;ll continue to explore business leaders\u0026rsquo; responses to change in our future blogs and reports. Stay tuned!\u003c/p\u003e\n\n\u003cp\u003e\u003cem\u003eThis blog is part of a monthly series that highlights preliminary findings and emerging trends from our \u003ca href=\"https://www.ibm.com/consulting/studies/csuite/about/\" target=\"_blank\"\u003e19th Global C-suite Study.\u003c/a\u003e The study features interviews with more than 10,000 CxOs.\u003c/em\u003e\u003c/p\u003e\n","approved":true,"image_alt":"The risk of disruption is a regional phenomenon","thumbnail_alt":"The risk of disruption is a regional phenomenon","hideRelatedBlogs":false,"createdAt":"2019-09-03T21:12:47.807Z","updatedAt":"2022-03-06T10:21:20.557Z","author":[{"id":341,"name":"Vanessa Carels van de Vliet","email":"","twitter":"","facebook":"","linkedin":"https://www.linkedin.com/in/vanessa-carels-van-de-vliet-74363a5","featured":false,"priority":0,"title":"C-suite Study Program Manager, IBM Institute for Business Value","image_alt":null,"place_of_employment":null,"bio":"","createdAt":"2019-03-27T00:02:22.832Z","updatedAt":"2022-08-12T00:16:40.052Z","image":null}],"image":{"id":7448,"name":"869bebe3d5814f368b38dac3b2400def.webp","alternativeText":null,"caption":null,"width":2000,"height":500,"formats":null,"hash":"869bebe3d5814f368b38dac3b2400def_f503480779","ext":".webp","mime":"image/webp","size":13.67,"url":"/thought-leadership/institute-business-value/uploads/en/869bebe3d5814f368b38dac3b2400def_f503480779","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:21:20.496Z","updatedAt":"2022-03-06T10:21:20.547Z"},"thumbnail":{"id":6986,"name":"87c85a2384a7405ea2c5156c0e201d99.webp","alternativeText":null,"caption":null,"width":728,"height":358,"formats":null,"hash":"87c85a2384a7405ea2c5156c0e201d99_26f41654d0","ext":".webp","mime":"image/webp","size":9.39,"url":"/thought-leadership/institute-business-value/uploads/en/87c85a2384a7405ea2c5156c0e201d99_26f41654d0","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:21:06.226Z","updatedAt":"2022-03-06T10:21:06.299Z"},"mlinks":{"id":91,"prompt":"digital-winners","offer1":"Succeeding in today’s competitive environment requires holistic solutions that incorporate a combination of IoT, automation and AI to build future capabilities and innovation. IBM IoT Services has the industry and technical expertise to help you build IoT vison and enterprise capabilities.","action1":"IoT solutions","link1":"https://www.ibm.com/consulting/process/iot ","offer2":"Artificial Intelligence Services from IBM can help you drive smart reinvention of your workflows and technology. IBM is here to guide you through your enterprise AI transformation journey and build your business into a cognitive enterprise.","action2":"AI solutions","link2":"https://www.ibm.com/consulting/artificial-intelligence","offer3":"Your trusted business and technology partner for digital transformation.","action3":"IBM Consulting","link3":"https://www.ibm.com/consulting","locale":"en-us","createdAt":"2019-07-10T02:51:56.584Z","updatedAt":"2022-08-12T03:21:34.256Z"},"assets":[]},{"id":4,"slug":"analytics-nonprofits-leap-competition","title":"Analytics can help nonprofits leap ahead of their competition","subtitle":"The rise of digital platforms coupled with increasing donor demand for transparency means nonprofit organizations need to leap into action with their data and analytics capabilities before they lag others and lose out.","date":"2017-08-02T12:00:00.000Z","blurb":"The rise of digital platforms coupled with increasing donor demand for transparency means nonprofit organizations need to leap into action with their data and analytics capabilities before they lag others and lose out.\n","content":"\u003cp\u003eNonprofit organizations often fill critical gaps in the social fabric of the world, yet few can afford to leverage technologies that are connecting commercial businesses in the digital marketplace. To remain relevant, nonprofits must ensure their data and analytics capabilities are keeping pace.\u003c/p\u003e\n\n\u003cp\u003eIn partnership with \u003ca href=\"http://independentsector.org/news-post/nonprofits-must-leap-better-data-capabilities/\" target=\"_blank\"\u003eIndependent Sector\u003c/a\u003e and the \u003ca href=\"https://www.ibm.com/ibm/responsibility/\" target=\"_blank\"\u003eIBM Corporate Citizenship and Corporate Affairs\u003c/a\u003e, the \u003ca href=\"https://www.ibm.com/consulting/us/gbs/thoughtleadership/\" target=\"_blank\"\u003eIBM Institute for Business Value\u003c/a\u003e conducted a global survey to understand current data practices and barriers to advancement. More than 300 nonprofit leaders from 34 countries responded, revealing crucial insights about the state of analytics maturity in this sector:\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eThe benefits of analytics are not just hype\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eOrganizations that are more advanced in data and analytics practices are more effective in areas critical to their success. Surveyed nonprofits with advanced analytics capabilities reported:\u003c/p\u003e\n\n\u003cul\u003e\n\t\u003cli\u003eBetter performance of their missions\u003c/li\u003e\n\t\u003cli\u003eMore efficient operations\u003c/li\u003e\n\t\u003cli\u003eIncreased staff productivity\u003c/li\u003e\n\u003c/ul\u003e\n\n\u003cp\u003e\u003cimg alt=\"Higher effectiveness with analytics\" height=\"433\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/10ae27215589469b9144775c1b46d4a8.png\" width=\"768\" /\u003e\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eTwo-thirds of nonprofits are still in the early stages of analytics\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eData is becoming even more important for nonprofits as they strive to move beyond measuring program outputs and demonstrate broader social impact. Nonprofits can use operational data not only to derive insights, but also to predict and make informed decisions.\u003c/p\u003e\n\n\u003cp\u003eDespite the benefits, 67 percent of surveyed nonprofits are in early stages of the analytics journey \u0026mdash; with ample opportunities to advance.\u003c/p\u003e\n\n\u003cul\u003e\n\t\u003cli\u003eThirty-seven percent of surveyed nonprofits said they use ad hoc analytics (for example, using analytics on an as-needed basis).\u003c/li\u003e\n\t\u003cli\u003eSeventeen percent said they use descriptive analysis (for example, explaining what happened in the past).\u003c/li\u003e\n\t\u003cli\u003eThirteen percent said they use diagnostic analytics (for example, discerning past trends to influence decisions).\u003c/li\u003e\n\t\u003cli\u003eFifteen percent said they use predictive analytics (for example, using past events and trends to anticipate future outcomes).\u003c/li\u003e\n\t\u003cli\u003eThirteen percent said they use prescriptive analytics (for example, assessing the probability of potential outcomes to optimize results).\u003c/li\u003e\n\t\u003cli\u003eFive percent said they use cognitive or artificial intelligence systems (for example, using self-learning systems to discern patterns and probabilities from complex data).\u003c/li\u003e\n\u003c/ul\u003e\n\n\u003cp\u003e\u003cimg alt=\"analytics journey\" height=\"433\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/e01fa59594a247b4abd21730ff101ecd.png\" width=\"768\" /\u003e\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eNonprofit leaders reported three major barriers to advancing analytics\u003c/strong\u003e\u003c/p\u003e\n\n\u003cul\u003e\n\t\u003cli\u003eSeventy-four percent of surveyed nonprofits indicated funding is a primary barrier. Our survey uncovered a marked disparity between sources for organizational funding and sources for data funding. Many sources of funding are restricted for programmatic use.\u003c/li\u003e\n\t\u003cli\u003eForty-eight percent indicated technology is a primary barrier. Nonprofits aspire to mature data capabilities, but technological complexity inhibits them.\u003c/li\u003e\n\t\u003cli\u003eForty-one percent indicated talent is a primary barrier. Data professionals earn premium wages, and nonprofits struggle to train and hire the right skills.\u003c/li\u003e\n\u003c/ul\u003e\n\n\u003cp\u003e\u003cimg alt=\"\" height=\"433\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/b6e197d9e2824be9b72c0b6b24802f33.png\" width=\"768\" /\u003e\u003c/p\u003e\n\n\u003cp\u003eTo make meaningful advances, nonprofits must commit to becoming data-driven, creating a data-centered culture and collaborating effectively with partners, donors and others within their networks. Organizations can begin to leap ahead by:\u003c/p\u003e\n\n\u003cul\u003e\n\t\u003cli\u003eCapitalizing on advances in technology\u003c/li\u003e\n\t\u003cli\u003eUpskilling staff\u003c/li\u003e\n\t\u003cli\u003eRationalizing the use of internal and external talent\u003c/li\u003e\n\t\u003cli\u003eAligning funds to support data-driven practices\u003c/li\u003e\n\t\u003cli\u003eEngaging in collaborative ecosystems.\u003c/li\u003e\n\u003c/ul\u003e\n\n\u003cp\u003eRead the \u003ca href=\"https://www.ibm.com/consulting/us/gbs/thoughtleadership/analyticsleap/\" target=\"_blank\"\u003efull report\u003c/a\u003e for more information and pragmatic guidance to help nonprofits advance their use of analytics.\u003c/p\u003e\n\n\u003cp\u003eCheck out \u003ca href=\"https://www.ibm.com/ibm/responsibility/leap/static/about.html\" target=\"_blank\"\u003ethe digital experience\u003c/a\u003e to explore findings and receive personalized recommendations to accelerate your nonprofit\u0026rsquo;s capabilities.\u003c/p\u003e\n","approved":true,"image_alt":"","thumbnail_alt":"","hideRelatedBlogs":false,"createdAt":"2019-08-31T03:06:43.204Z","updatedAt":"2022-03-06T10:21:12.086Z","author":[{"id":43,"name":"Rebecca Shockley","email":"rshock@us.ibm.com","twitter":"","facebook":"","linkedin":"https://www.linkedin.com/in/rebeccashockley","featured":false,"priority":0,"title":"Executive Consultant CBDS Data Platform \u0026 AI, IBM Consulting","image_alt":"","place_of_employment":"","bio":"","createdAt":"2018-12-01T12:32:51.690Z","updatedAt":"2023-05-25T20:22:45.467Z","image":null}],"image":{"id":7173,"name":"f5d4e45e35434bda986e698cde6742a9.webp","alternativeText":null,"caption":null,"width":2000,"height":500,"formats":null,"hash":"f5d4e45e35434bda986e698cde6742a9_ebc87f23af","ext":".webp","mime":"image/webp","size":27.25,"url":"/thought-leadership/institute-business-value/uploads/en/f5d4e45e35434bda986e698cde6742a9_ebc87f23af","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:21:11.805Z","updatedAt":"2022-03-06T10:21:12.021Z"},"thumbnail":{"id":6414,"name":"4cd27f33db4d4e6681493a5e3b9f9afe.webp","alternativeText":null,"caption":null,"width":381,"height":191,"formats":null,"hash":"4cd27f33db4d4e6681493a5e3b9f9afe_e80b31f4c3","ext":".webp","mime":"image/webp","size":5.96,"url":"/thought-leadership/institute-business-value/uploads/en/4cd27f33db4d4e6681493a5e3b9f9afe_e80b31f4c3","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:20:47.450Z","updatedAt":"2022-03-06T10:20:47.586Z"},"mlinks":{"id":136,"prompt":"chief-data-officer","offer1":"Digital Strategy and iX consulting services help you meet the challenges of the digital age.","action1":"Digital Reinvention","link1":"https://www.ibm.com/us-en/marketplace/digital-innovation-consulting","offer2":"Learn more about how IBM iX experts can help you develop new business models, new expertise and new ways to work.","action2":"Digital Strategy and Transformation Consulting","link2":"https://www.ibm.com/consulting/business/digital","offer3":"Don’t just meet customer expectations for experience. Anticipate and exceed them with IBM iX.","action3":"Experience Design Services","link3":"https://www.ibm.com/consulting/business/experience-design","locale":"en-us","createdAt":"2019-06-04T22:40:45.340Z","updatedAt":"2022-03-16T20:41:09.091Z"},"assets":[]},{"id":30,"slug":"companies-ignore-threat-disruption-peril","title":"Companies ignore the threat of disruption at their own peril","subtitle":"Industry disruption is here to stay according to research institutions, top analysts and the business press, but many C-suite executives (CxOs) beg to differ.","date":"2017-07-28T12:00:00.000Z","blurb":"Industry disruption is here to stay according to research institutions, top analysts and the business press, but many C-suite executives (CxOs) beg to differ.\n","content":"\u003cp\u003eAlmost half of the 6,000 CxOs we\u0026rsquo;ve surveyed through June as part of the \u003ca href=\"https://www.ibm.com/consulting/studies/csuite/about/\" target=\"_blank\"\u003eIBM Global C-suite Study\u003c/a\u003e say their industry is experiencing little to no disruption today. If disruption really is the new business normal, why do so many executives fail to recognize it?\u003c/p\u003e\n\n\u003cp\u003ePerhaps most of the companies claiming minimal disruption have already successfully countered disruptive forces. But that seems unlikely. For example, one of the most important characteristics that separates those who see disruption from those who don\u0026rsquo;t is performance. Far more executives whose companies have outperformed the market in the last few years (relative to their industry peers) say they are experiencing disruption in their industry. Twice as many financial underperformers as outperformers claim their industry is experiencing little to no disruption. Without the skills and readiness to comprehend the rapidly evolving business landscape right in front of them, these organizations risk being swept away in a sea of unpredictable change.\u003c/p\u003e\n\n\u003cp\u003e\u003cimg alt=\"level of disrupton\" height=\"411\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/f8434a193ed2452d9881baad1918a108.png\" width=\"768\" /\u003e\u003c/p\u003e\n\n\u003cp\u003eAn alternative explanation could be that the risk-versus-reward of a full-blown transformation in response to disruption just doesn\u0026rsquo;t stack up for many. Of those executives who claim that there is little to no disruption occurring in their industry, less than a third rated their organizations as being effective at managing change in the past. That being said, a lack of success with transformational change in the past doesn\u0026rsquo;t necessarily equate to an inability to do so in the future.\u003c/p\u003e\n\n\u003cp\u003eA more likely scenario is that the notion of disruption is evolving, and many organizations have yet to expand their field of vision or develop the nimbleness to navigate through it. As traditional companies begin to catch up with the rapidly changing digital landscape, the perceived threat from \u0026ldquo;digital invaders\u0026rdquo; has been surpassed by the resurgence of competitors operating within one\u0026rsquo;s own industry. In effect, some industry incumbents have had the time and space to develop, test and refine their own ways of exploiting digital technologies to regain the upper hand against disruptive forces.\u003c/p\u003e\n\n\u003cp\u003eOf those executives who are experiencing some level of disruption in their industry, two-thirds identified innovative industry incumbents (those deploying new technologies, processes or business models to change the rules of the game) as the driving force behind that disruption. Those incumbents are doing so to a much greater extent than the startups we would normally associate with this trend, or even \u0026ldquo;digital giants\u0026rdquo; such as Google, Apple or Alibaba. This reinforces the earlier C-suite Study \u003ca href=\"https://www.ibm.com/blogs/insights-on-business/gbs-strategy/cxos-set-sights-back-traditional-targets/\" target=\"_blank\"\u003efinding\u003c/a\u003e that executives expect future competition is much more likely to come from within their own industry.\u003c/p\u003e\n\n\u003cp\u003e\u003cimg alt=\"drivers of disruption\" height=\"666\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/ba2fc8eaacbd41e090688326f0fe1257.png\" width=\"768\" /\u003e\u003c/p\u003e\n\n\u003cp\u003eUltimately, disruption skeptics need to consider an inescapable truth: the \u003ca href=\"http://www.kurzweilai.net/the-law-of-accelerating-returns\" target=\"_blank\"\u003erate of technological change is exponential\u003c/a\u003e, and they are losing their window of opportunity to decide whether to innovate or continue plodding on. \u003ca href=\"https://www.gartner.com/doc/3548117/predicts--lead-follow-way\" target=\"_blank\"\u003eAnalysts\u003c/a\u003e may believe that most companies recognize the necessity for continuous change, but a sizeable portion of the executives in our study (49 percent) still say there\u0026rsquo;s very little urgency to do so. Given the International Data Corporation (IDC) forecast that organizations will spend \u003ca href=\"http://www.idc.com/getdoc.jsp?containerId=prUS42327517\" target=\"_blank\"\u003eUSD 1.2 trillion in 2017 on digital transformation technologies\u003c/a\u003e in response to disruption, our no-disruption group has some catching up to do. Once they\u0026rsquo;ve acknowledged the threat of disruption, their level of agility in response to rapid and unpredictable change will be a powerful determinant of success in the digital economy.\u003c/p\u003e\n\n\u003cp\u003e\u003cem\u003eThis blog is part of a monthly series that highlights preliminary findings and emerging trends from our \u003ca href=\"https://www.ibm.com/consulting/studies/csuite/about/\" target=\"_blank\"\u003e19th Global C-suite Study.\u003c/a\u003e The study is based on interviews with more than 10,000 CxOs.\u003c/em\u003e\u003c/p\u003e\n","approved":true,"image_alt":"","thumbnail_alt":"","hideRelatedBlogs":false,"createdAt":"2019-09-03T21:47:36.949Z","updatedAt":"2022-03-06T10:21:21.321Z","author":[{"id":444,"name":"Kathryn Scott","email":"kescott@us.ibm.com","twitter":"","facebook":"","linkedin":"https://www.linkedin.com/in/kathryn-e-scott","featured":false,"priority":0,"title":"Project Manager and Transformation Lead, Global C-suite Study Program","image_alt":"","place_of_employment":"","bio":"","createdAt":"2019-09-03T21:55:59.168Z","updatedAt":"2022-05-24T22:59:39.700Z","image":null}],"image":{"id":7535,"name":"6591d5efaa2e47219b1d8afc757335b5.webp","alternativeText":null,"caption":null,"width":2000,"height":500,"formats":null,"hash":"6591d5efaa2e47219b1d8afc757335b5_87d9ce4ace","ext":".webp","mime":"image/webp","size":13.67,"url":"/thought-leadership/institute-business-value/uploads/en/6591d5efaa2e47219b1d8afc757335b5_87d9ce4ace","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:21:21.003Z","updatedAt":"2022-03-06T10:21:21.211Z"},"thumbnail":{"id":6472,"name":"a82c221471a842d1afc91edb3cf7dd6f.webp","alternativeText":null,"caption":null,"width":728,"height":358,"formats":null,"hash":"a82c221471a842d1afc91edb3cf7dd6f_f2da7f62f5","ext":".webp","mime":"image/webp","size":9.39,"url":"/thought-leadership/institute-business-value/uploads/en/a82c221471a842d1afc91edb3cf7dd6f_f2da7f62f5","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:21:08.085Z","updatedAt":"2022-03-06T10:21:08.351Z"},"mlinks":null,"assets":[]},{"id":21,"slug":"consumers-cars-options","title":"Consumers still want cars but seek other mobility options","subtitle":"Will consumers want to own cars in 10 years? Are alternative ownership models the future of mobility? What technologies do people want in cars?","date":"2017-07-10T12:00:00.000Z","blurb":"Will consumers want to own cars in 10 years? Are alternative ownership models the future of mobility? What technologies do people want in cars?\n","content":"\u003cp\u003eThese are just some of the questions the \u003ca href=\"https://www.ibm.com/consulting/us/gbs/thoughtleadership/\" target=\"_blank\"\u003eIBM Institute for Business Value\u003c/a\u003e set out to answer in our auto consumer study, \u003cem\u003e\u003ca href=\"http://www.ibm.com/consulting/us/gbs/thoughtleadership/autoconsumer/\" target=\"_blank\"\u003eA new relationship \u0026ndash; people and cars\u003c/a\u003e\u003c/em\u003e. We surveyed 16,469 people across 16 top automotive markets to get a better understanding of what people expect.\u003c/p\u003e\n\n\u003cp\u003ePerhaps our most significant finding is that there isn\u0026rsquo;t one answer for everything. People want to have choices in how they move around, whether they use their own cars, share rides or take public transportation. And they might want a combination of these options.\u003c/p\u003e\n\n\u003cp\u003eThe relationship between people and cars need to be very personalized. Vehicles and mobility solutions must fit consumers\u0026rsquo; lifestyles and be available on-demand. Gone are the days when people talked about physical features of a car, such as horsepower. Now, they want cars that are connected, fix themselves and monitor passengers\u0026rsquo; health.\u003c/p\u003e\n\n\u003cp\u003eBut not everyone agrees on how much technology cars should have. Sixteen percent of the people we surveyed (\u0026ldquo;The Pacesetters\u0026rdquo;) were very enthusiastic about technology in all aspects of vehicles and mobility. But others (\u0026ldquo;The Spectators\u0026rdquo;) had no interest in technology or new mobility services. They represented about 14 percent of our sample.\u003c/p\u003e\n\n\u003cp\u003eSignificant differences emerged among consumers in different geographic regions. Consumers in growth markets had a stronger desire for new technology and mobility services than consumers in mature markets. For instance, consumers in growth markets rated self-driving capabilities much higher than consumers in mature markets. Consumers in mature market countries were most interested in self-healing capabilities.\u003c/p\u003e\n\n\u003cp\u003eHere are some findings from four key geographic markets:\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003e\u003ca href=\"https://www.ibm.com/consulting/us/gbs/thoughtleadership/autous/\" target=\"_blank\"\u003eUnited States\u003c/a\u003e\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eUS consumers continue to value personal cars. We saw only a 10 percent decline in those who said they plan to use personal vehicles as their primary mode of transportation and only a small increase in the number of people who said they prefer ride-sharing options. Fourteen percent of the US group were Pacesetters while 21 percent were Spectators.\u003c/p\u003e\n\n\u003cp\u003eRespondents said they were more interested in self-healing and self-learning cars than self-driving cars.\u0026nbsp; They also placed a higher value on the ability to buy goods and services directly from cars.\u003c/p\u003e\n\n\u003cp\u003e\u003cimg alt=\"relationships and cars\" height=\"433\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/918bb2d8dc194cc8b2e66f001e65cbc8.png\" width=\"768\" /\u003e\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003e\u003ca href=\"https://www.ibm.com/consulting/us/gbs/thoughtleadership/autogermany/\" target=\"_blank\"\u003eGermany\u003c/a\u003e\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eGerman consumers are among the most enthusiastic about car- and ride-sharing. Surveyed consumers 35 years and older said they expect their use of these transportation methods to increase more than six-fold between 2015 and 2025.\u003c/p\u003e\n\n\u003cp\u003eGerman consumers also said they expect cars to be intelligent, but only a little more than one-third of those surveyed said they were very interested in cars that drive themselves. Much like US consumers, they said they would like to access commerce services from their cars. Learn more:\u003c/p\u003e\n\n\u003cp\u003e\u003cimg alt=\"Germany\" height=\"433\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/ce43785cf8a144d7aa58f4fdbc605e91.png\" width=\"768\" /\u003e\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003e\u003ca href=\"https://www-935.ibm.com/services/us/gbs/thoughtleadership/autochina/\" target=\"_blank\"\u003eChina\u003c/a\u003e\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eChinese consumers still want to own cars because that demonstrates financial success. But owning a car and driving it are two different things. Our survey group said that self-driving cars were their highest priority. Surprisingly, access to health services from the car was near the top of their list, too.\u003c/p\u003e\n\n\u003cp\u003eChinese consumers also said they would like to be actively involved in creating new products and services. Forty-four percent of respondents said they would allow companies to use their mobility data and 39 percent said they would be willing to submit their own ideas. Learn more:\u003c/p\u003e\n\n\u003cp\u003e\u003cimg alt=\"Auto China\" height=\"221\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/d861e0a65474479480c5f6eea088dc36.jpg\" width=\"441\" /\u003e\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003e\u003ca href=\"https://www-935.ibm.com/services/us/gbs/thoughtleadership/autoindia/\" target=\"_blank\"\u003eIndia\u003c/a\u003e\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eIndian consumers have the strongest desire for digital technology in vehicles and mobility services. Thirty-three percent of Indian consumers we surveyed were Pacesetters while only 3 percent were Spectators.\u003c/p\u003e\n\n\u003cp\u003eIndian consumers ranked self-driving as the most desired capability, followed by self-learning. They also ranked concierge services highly. While personal ownership remains an important indicator of social status, Indian consumers said they are interested in alternative ownership models, such as subscription pricing. Learn more:\u003c/p\u003e\n\n\u003cp\u003e\u003cimg alt=\"Auto India\" height=\"433\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/abe5c59d5e854420b582c87f98ef03ad.png\" width=\"768\" /\u003e\u003c/p\u003e\n","approved":true,"image_alt":"Consumers still want cars but seek other mobility options","thumbnail_alt":"Consumers still want cars but seek other mobility options","hideRelatedBlogs":false,"createdAt":"2019-09-03T22:18:25.149Z","updatedAt":"2022-03-06T10:21:21.406Z","author":[{"id":458,"name":"Ben Stanley","email":"ben.stanley@us.ibm.com","twitter":"https://twitter.com/BenTStanley","facebook":"","linkedin":"https://www.linkedin.com/in/benjamintstanley/","featured":false,"priority":0,"title":"Automotive Research Leader, IBM Institute for Business Value","image_alt":null,"place_of_employment":null,"bio":"","createdAt":"2019-03-27T00:02:23.715Z","updatedAt":"2020-05-06T04:33:41.732Z","image":null}],"image":{"id":7359,"name":"93dc658228274017998edee05efd672e.webp","alternativeText":null,"caption":null,"width":2000,"height":500,"formats":null,"hash":"93dc658228274017998edee05efd672e_db085dfa3d","ext":".webp","mime":"image/webp","size":31.46,"url":"/thought-leadership/institute-business-value/uploads/en/93dc658228274017998edee05efd672e_db085dfa3d","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:21:21.062Z","updatedAt":"2022-03-06T10:21:21.362Z"},"thumbnail":{"id":6994,"name":"072f07869577431a9a9eb7b571bd4342.webp","alternativeText":null,"caption":null,"width":792,"height":396,"formats":null,"hash":"072f07869577431a9a9eb7b571bd4342_785b8fd2cb","ext":".webp","mime":"image/webp","size":34.38,"url":"/thought-leadership/institute-business-value/uploads/en/072f07869577431a9a9eb7b571bd4342_785b8fd2cb","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:21:08.100Z","updatedAt":"2022-03-06T10:21:08.394Z"},"mlinks":{"id":194,"prompt":"auto-2030","offer1":"Digital transformation is an opportunity to radically rethink your enterprise. ","action1":"Are you ready to thrive in the digital era?","link1":"https://www.ibm.com/industries/automotive/connected-experiences","offer2":"The pace of change in automotive is accelerating. Markets have evolved from manufacturers and service providers largely defining what types of vehicles to produce and market into entirely new forms focused on in-vehicle experience. ","action2":"Automotive industries","link2":"https://www.ibm.com/industries/automotive","offer3":"Your trusted business and technology partner for digital transformation.","action3":"IBM Consulting","link3":"https://www.ibm.com/consulting","locale":"en-us","createdAt":"2019-08-26T22:23:48.505Z","updatedAt":"2022-01-25T23:54:27.950Z"},"assets":[]},{"id":3,"slug":"alternative-payment-options-unettle-business","title":"Alternative payment options threaten to unettle business","subtitle":"As alternative payment options such as PayPal and Google Wallet gain popularity, they also are climbing the list of the C-suite executives' top concerns.","date":"2017-06-22T12:00:00.000Z","blurb":"As alternative payment options such as PayPal and Google Wallet gain popularity, they also are climbing the list of the C-suite executives' top concerns.\n","content":"\u003cp\u003eThe \u003ca href=\"https://www-935.ibm.com/services/us/gbs/thoughtleadership/\" target=\"_blank\"\u003eIBM Institute for Business Value\u003c/a\u003e (IBV) has tracked global industry trends through its ongoing series of \u003ca href=\"https://www.ibm.com/consulting/insights/c-suite-study\" target=\"_blank\"\u003eC-suite studies\u003c/a\u003e since 2003. Our latest research, which we will publish in 2018, shows that alternative payment options are starting to influence how business leaders across multiple industries think about their enterprise strategy.\u003c/p\u003e\n\n\u003cp\u003eOf nearly 5,000 executives interviewed to date, 56 percent anticipate that alternative payment options will be one of the top three trends that will drive them to re-evaluate their business strategy. That rapid rise to the top of our rankings is startling. In the 2015 Global C-suite Study, only one-quarter of surveyed business executives identified alternative payment services as a potential game-changer. Instead, industry convergence was the trend that kept most executives awake at night.\u003c/p\u003e\n\n\u003cp style=\"text-align:center\"\u003e\u003cimg alt=\"Surveyed C-suite executives say alternative payments are among top trends influencing new business strategies\" height=\"677\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/e4d5570eae334e5fae5526aded0f0cfe.png\" width=\"1201\" /\u003e\u003c/p\u003e\n\n\u003cp\u003eThe rapid ascent of alternative payment options reflects increasing consumer demand for greater flexibility, coupled with speedy growth in the range of products and alternative payment solutions \u0026mdash; a perfect match between demand and supply. These new services cover a broad range of digital payment solutions, from barter-based trade exchanges to virtual currencies (or \u0026ldquo;cryptocurrencies\u0026rdquo;) such as Bitcoin. The World Bank estimates that 59 percent of the global population will own mobile devices by 2020, so the growth of mobile-based e-commerce will continue to change the ways in which consumers are able to make payments.\u003c/p\u003e\n\n\u003cp\u003eAlternative payment options bring an array of potential benefits that are hard for companies to ignore. They can reduce transaction costs while increasing transaction speed. They also can enable greater transparency, fraud protection and access to new markets. Perhaps most importantly, they can foster a simple and seamless experience for customers. Individual customer experience can be tailored and enhanced using data collected from digital transactions through the payment platform.\u003c/p\u003e\n\n\u003cp\u003eAnother major advantage alternative payment services offer is their settling mechanism. Non-traditional payment systems enable cross-border transactions, allowing businesses to reach international markets with greater ease and relatively minimal investment. This has allowed alternative payment service providers to expand their customer base into more remote areas that lack traditional banking and credit facilities \u0026mdash; a market estimated to be as large as two billion adults worldwide.\u003c/p\u003e\n\n\u003cp\u003eWith the growth in online retail markets, smartphone usage and global internet access, we anticipate digital payment services will continue to grow. Throughout the year, we will monitor how C-suite executives are including alternative payment options in their business strategies. Stay tuned for our next monthly insight as we explore further into the minds of business leaders.\u003c/p\u003e\n\n\u003cp\u003e\u003cem\u003eThis blog is part of a series of monthly insights that highlight preliminary findings and emerging trends from our \u003ca href=\"https://www.ibm.com/consulting/insights/c-suite-study\" target=\"_blank\"\u003e19th Global C-suite Study\u003c/a\u003e. The study is based on interviews with more than 10,000 CxOs.\u003c/em\u003e\u003c/p\u003e\n","approved":true,"image_alt":"Alternative payment options threaten to unsettle business","thumbnail_alt":"C-suite executives cite alternative payment options among their top concerns","hideRelatedBlogs":false,"createdAt":"2019-08-28T21:56:50.197Z","updatedAt":"2022-03-06T10:18:12.851Z","author":[],"image":{"id":6909,"name":"63f9d14285204335aa01ca5ff7a01cdf.webp","alternativeText":null,"caption":null,"width":1440,"height":320,"formats":null,"hash":"63f9d14285204335aa01ca5ff7a01cdf_a02b1a4c35","ext":".webp","mime":"image/webp","size":9.62,"url":"/thought-leadership/institute-business-value/uploads/en/63f9d14285204335aa01ca5ff7a01cdf_a02b1a4c35","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:18:12.795Z","updatedAt":"2022-03-06T10:18:12.845Z"},"thumbnail":{"id":6249,"name":"07d9e3e329544ba0bdcf05c869318030.webp","alternativeText":null,"caption":null,"width":728,"height":358,"formats":null,"hash":"07d9e3e329544ba0bdcf05c869318030_c1fdcffb17","ext":".webp","mime":"image/webp","size":9.39,"url":"/thought-leadership/institute-business-value/uploads/en/07d9e3e329544ba0bdcf05c869318030_c1fdcffb17","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:18:09.835Z","updatedAt":"2022-03-06T10:18:09.889Z"},"mlinks":{"id":336,"prompt":"banking","offer1":"We're here to help you create a superior customer experience, build agile core banking systems, offer innovative payment services and optimize enterprise risk management.","action1":"IBM Banking \u0026 Financial Markets solutions","link1":"https://www.ibm.com/industries/banking-financial-markets","offer2":"IBM Finance Services offers a suite of services to transform your finance organization to operate in an era of cognitive enterprise. We partner with our clients to advise and manage end-to-end processes, including order-to-cash, procure-to-pay, record-to-report and enterprise performance management.","action2":"IBM Finance Services","link2":"https://www.ibm.com/consulting/process/finance","offer3":"Start to evaluate how to create a smarter, more efficient experience for your customers across digital and physical platforms.","action3":"Core banking transformation","link3":"https://www.ibm.com/industries/banking-financial-markets/core-banking-digital-transformation","locale":"en-us","createdAt":"2019-01-05T01:37:11.482Z","updatedAt":"2022-10-30T22:43:09.765Z"},"assets":[]},{"id":37,"slug":"cognitive-ai-revolutionize-supply-chain","title":"Cognitive and AI will revolutionize supply chain operations","subtitle":"The futuristic renderings of science fiction have become reality: Robotic likenesses are now automating and instrumenting a learning supply chain.","date":"2017-06-12T12:00:00.000Z","blurb":"The futuristic renderings of science fiction have become reality: Robotic likenesses are now automating and instrumenting a learning supply chain.\n","content":"\u003cp\u003eArtificial intelligence (AI) is making sense of the deluge of operational data from a plethora of devices and cloud applications. This technology also applies advanced mathematics to create products, processes and systems that can adapt and learn.\u003c/p\u003e\n\n\u003cp\u003eCognitive and AI can rapidly revolutionize the supply chain, and executives are starting to notice. Adaptive robotics act on Internet of Things (IoT) device information and a multitude of structured and unstructured data to learn and make autonomous decisions. Natural language processing (NLP) tools understand human speech and react to what they are being told. Predictive analytics can improve demand responsiveness, inventory and network optimization, preventative maintenance and digital manufacturing. Search and pattern recognition algorithms \u0026ndash; which are no longer just predictive, but hierarchical \u0026ndash; analyze real-time data, helping supply chains to react to machine-generated, augmented intelligence, while providing instant visibility and transparency.\u003c/p\u003e\n\n\u003cp\u003eTo better understand the impact of AI and cognitive computing solutions on supply chain and operations, researchers working with the \u003ca href=\"http://www.ibm.com/ibv\" target=\"_blank\"\u003eIBM Institute for Business Value\u003c/a\u003e surveyed more than 1,600 senior operational executives across a wide range of industries and geographies. They told us about their \u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/report/cognitivesupplychain\" target=\"_blank\"\u003ecognitive and AI priorities\u003c/a\u003e and the value that they expect to derive. Here are some of the key takeaways from those conversations:\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eSupply chain is a natural fit for AI\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eWe identified a group of more than 700 outperformers (12 percent of the total sample) with stronger financial performance than their peers. These companies reported annual revenue growth and profit increases of more than 5 percent over the past three years. We ranked public sector organizations based on effectiveness and efficiency.\u003c/p\u003e\n\n\u003cp\u003eEighty-eight percent of the highest performing organizations surveyed report that AI is inevitable in their industry. Among those polled, 95 percent of the highest performing organizations see AI as central to their innovation success.\u003c/p\u003e\n\n\u003cp style=\"text-align:center\"\u003e\u003cimg alt=\"More than half of outperforming supply chain executives surveyed said their top investments in the next three years will be AI or cloud.\" height=\"1409\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/1352bd1bc6224edab31323b7035fede5.png\" width=\"2501\" /\u003e\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eCognitive and AI can enable innovative product development\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eAcross industries, executives face many challenges in getting the right product to the right customer at the right time. To deliver innovative products, they must combine capabilities from new technologies such as IoT and robotics with enterprise cloud applications. Sales and operations planning is the ultimate collaborative decision-making process. Companies can apply AI technologies to sales and operations planning and other massive supply chain data pools to manage demand volatility, supply constraints, production scheduling and dynamic distribution. AI also can augment human interaction by allocating resources, assigning people and scheduling processes.\u003c/p\u003e\n\n\u003cp style=\"text-align:center\"\u003e\u003cimg alt=\"86% of outperforming supply chain executives surveyed said AI and cognitive computing will transform their demand planning and forecasting capabilities. \" height=\"1410\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/56511121033641a1abc61d0917fbff7c.png\" width=\"2501\" /\u003e\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eCompanies could benefit from intelligent procurement\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eChief Procurement Officers (CPOs) are concerned about maintaining the health of their global supply chain networks, which face added pressures of regulations and security risks. Simultaneously, they must transform their operating models for revenue growth.\u0026nbsp; But their organizations can uncover and leverage data buried among contracts, transactional systems and regulators to create intensified procurement insights. By using cognitive computing capabilities to parse through unstructured data, such as news feeds and social networks, companies can augment learning for supply risk scoring and supplier performance. Cognitive technologies can enable the comprehensive visibility that provides true insight into supply chain disruptions and risks.\u003c/p\u003e\n\n\u003cp style=\"text-align:center\"\u003e\u003cimg alt=\"More than one-third of surveyed chief procurement officers said they will use AI, cloud and predictive analytics to transform inventory, security and supply chain management in the next three years.\" height=\"433\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/916997ed16094db3ae3d9b250cfaa46c.png\" width=\"768\" /\u003e\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eLearning and automated manufacturing are the future\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eManufacturing executives work hand-in-hand with product developers to deliver innovative products and increase growth and profitability. They also are rapidly implementing IoT and cloud, and advancing into the automation technologies of adaptive robotics. Now, the industry is ready for its next automation breakthrough: using AI to make production decisions in real time.\u003c/p\u003e\n\n\u003cp style=\"text-align:center\"\u003e\u003cimg alt=\"92% of outperforming manufacturing executives surveyed said AI and cognitive computing will enhance performance in production planning.\" height=\"1410\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/45b7c544acef44b7a3b87bbb6a6ab735.png\" width=\"2501\" /\u003e\u003c/p\u003e\n\n\u003cp\u003eThinking and learning, supply chains can be trained to augment and enhance human decision making and bring about a new level of operational excellence. To learn how your organization can start its cognitive and AI journey, read \u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/report/cognitivesupplychain\" target=\"_blank\"\u003eour full report\u003c/a\u003e.\u003c/p\u003e\n","approved":true,"image_alt":"Cognitive and AI will revolutionize supply chain operations","thumbnail_alt":"AI is helping to create supply chains that learn.","hideRelatedBlogs":false,"createdAt":"2019-08-29T01:17:34.549Z","updatedAt":"2022-06-03T00:04:28.442Z","author":[{"id":48,"name":"Karen Butner","email":"kbutner@us.ibm.com","twitter":"","facebook":"","linkedin":"https://www.linkedin.com/in/karenvbutner/","featured":false,"priority":0,"title":"Global Research Leader, AI and Automation and Supply Chain Operations, IBM Institute for Business Value","image_alt":"","place_of_employment":"","bio":"","createdAt":"2018-12-01T12:32:51.693Z","updatedAt":"2024-11-12T16:35:35.652Z","image":null}],"image":{"id":6419,"name":"3a9fc2eea3e54a88ac1558850d4fbb81.webp","alternativeText":null,"caption":null,"width":1440,"height":320,"formats":null,"hash":"3a9fc2eea3e54a88ac1558850d4fbb81_266ccc26c7","ext":".webp","mime":"image/webp","size":36.89,"url":"/thought-leadership/institute-business-value/uploads/en/3a9fc2eea3e54a88ac1558850d4fbb81_266ccc26c7","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:20:57.486Z","updatedAt":"2022-03-06T10:20:57.579Z"},"thumbnail":{"id":6294,"name":"8fb368ae34ad42349e84660c04afe45f.webp","alternativeText":null,"caption":null,"width":380,"height":190,"formats":null,"hash":"8fb368ae34ad42349e84660c04afe45f_1924fc9714","ext":".webp","mime":"image/webp","size":9.84,"url":"/thought-leadership/institute-business-value/uploads/en/8fb368ae34ad42349e84660c04afe45f_1924fc9714","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:20:47.443Z","updatedAt":"2022-03-06T10:20:47.587Z"},"mlinks":{"id":304,"prompt":"cognitivesupplychain","offer1":"To transform your business into a cognitive enterprise, you need to reimagine your business processes. Our business process services utilize artificial intelligence, automation and the Internet of Things (IoT) to co-create custom workflows and build tailor-made solutions that fit your industry and audiences.","action1":"Business Process Services ","link1":"https://www.ibm.com/consulting/process","offer2":"A smarter supply chain, enabled with AI and blockchain, gives you unmatched visibility and insights so you can make informed decisions and mitigate disruptions before they impact your ability to deliver business results.","action2":"Build a smarter supply chain","link2":"https://www.ibm.com/supply-chain","offer3":"Your trusted business and technology partner for digital transformation.","action3":"IBM Consulting","link3":"https://www.ibm.com/consulting","locale":"en-us","createdAt":"2019-08-29T05:28:27.901Z","updatedAt":"2023-02-08T03:24:04.614Z"},"assets":[]},{"id":38,"slug":"finance-leaders-ai-era","title":"Finance leaders are stepping into the AI era","subtitle":"Pressure on chief financial officers (CFOs) to enable enterprise agility and help their businesses make better decisions is intensifying.","date":"2017-05-25T12:00:00.000Z","blurb":"Finance organizations must proactively manage business growth and risk. AI can help CFOs improve operational efficiency and create the potential for faster profitable growth.\n","content":"\u003cp\u003eFinance organizations must now proactively manage business growth and risk. Artificial intelligence (AI) can help CFOs improve operational efficiency and create the potential for faster profitable growth.\u003c/p\u003e\n\n\u003cp\u003eAccording to surveyed chief executive officers (CEOs), \u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/report/cognitivecfo\" target=\"_blank\"\u003efinance is one of the top-five investment areas for AI\u003c/a\u003e. Some organizations \u0026ndash; we call them the finance \u0026ldquo;leaders\u0026rdquo; \u0026ndash; already have established operational and analytical uses for cognitive technologies and understand their value. And it\u0026rsquo;s paying off.\u003c/p\u003e\n\n\u003cp style=\"text-align:center\"\u003e\u003cimg alt=\"Surveyed CEOs said finance is one of the top-five investment areas for AI.\" height=\"677\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/8feaf553b16c4dbdab4e85acadc8c221.png\" width=\"1201\" /\u003e\u003c/p\u003e\n\n\u003cp\u003eSo who are the leaders? Researchers working with the \u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value\" target=\"_blank\"\u003eIBM Institute for Business Value\u003c/a\u003e identified them while surveying over 6,000 C-suite and heads of functions worldwide \u0026ndash; including 524 CFOs. These leaders self-reported that they have outperformed on revenue growth, efficiency and profitability over the past three years.\u003c/p\u003e\n\n\u003cp\u003eBy learning from these leaders, other finance organizations can understand the potential to excel in the cognitive era.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eFinance leaders create a culture for AI\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eLeaders are more likely than others to embrace learning and the science of insight. They also are more likely to foster a culture where that knowledge is infused into decision making. Ninety percent of leaders indicate their organizations are ready to adopt cognitive computing, compared to 59 percent of all others.\u003c/p\u003e\n\n\u003cp\u003eLeaders say they expect to use cognitive technologies to reap rewards in specific activities. In operations improvement, leaders say cognitive computing can improve efficiency in order-to-cash and improve effectiveness in procure-to-pay. In performance management, leaders indicate that cognitive computing can reduce risk in cash management and increase insights for strategic and operational planning, budgeting and forecasting. For growth, leaders say they believe cognitive technologies will help them improve decision-making in evaluating mergers and acquisitions opportunities.\u003c/p\u003e\n\n\u003cp\u003eGiven the potential benefits, leaders are more likely to adopt cognitive computing sooner than their peers. Compared to others in our study, three times more leaders indicate they will implement cognitive within two years.\u003c/p\u003e\n\n\u003cp style=\"text-align:center\"\u003e\u003cimg alt=\"90% of surveyed outperforming organizations agree they are ready to adopt AI.\" height=\"677\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/fa0caea03ed94dc3b561221805244a81.png\" width=\"1201\" /\u003e\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eFinance leaders build a cognitive data foundation\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eFinance has historically used huge amounts of financial transaction data, which often is challenging and time consuming. But now, a tsunami of data comes from different sources, such as external market-centric data, competitive data, macro-economic data, social media and weather data. And this non-financial data needs to be integrated with the financial data to create new insights.\u003c/p\u003e\n\n\u003cp\u003eOur study shows that leaders outpace their peers in the adoption of the components needed for a modern data infrastructure. These leaders have indicated they have invested twice as much as others in cloud-based data storage or analytics services, streaming data acquisition, shared operational information, data curation services and distributed storage and processing. In addition, leaders are focused on leveraging more external data: mobile application data, social media and customer-generated data.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eFinance leaders focus on skills and staffing\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eLeaders drive clear data governance through a chief data officer (CDO) or an equivalent position. They also supplement their CDO with a business-driven information-governance committee.\u003c/p\u003e\n\n\u003cp\u003eLeaders have adopted the use of centers of excellence for analytics and cognitive computing to create service scalability. In terms of scope, leaders are holistically placing many finance activities into a center to focus on growth, manage risks and improve efficiency.\u003c/p\u003e\n\n\u003cp\u003eWith the transition to cognitive computing, leaders realize they need \u0026ldquo;new collar\u0026rdquo; talent to move forward. The leaders are targeting specific skills: statisticians, the best data analysts, data visualization specialists, advanced mathematical modelers and big data-related information management specialists.\u003c/p\u003e\n\n\u003cp style=\"text-align:center\"\u003e\u003cimg alt=\"To capitalize on AI, organizations can create a culture for cognitive computing, build a cognitive data foundation, and focus on skills and staffing.\" height=\"677\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/bf3255054d484bcbb055d2a13d517e55.png\" width=\"1201\" /\u003e\u003c/p\u003e\n\n\u003cp\u003eRead the full report, \u0026ldquo;\u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/report/cognitivecfo\" target=\"_blank\"\u003eThe cognitive CFO: How \u0026lsquo;leaders\u0026rsquo; are increasing finance IQ,\u0026rdquo;\u003c/a\u003e to learn how you can become a finance leader.\u003c/p\u003e\n","approved":true,"image_alt":"Finance leaders are stepping into the AI era","thumbnail_alt":"AI can help CFOs grow their businesses and manage risk.","hideRelatedBlogs":false,"createdAt":"2019-08-30T03:13:42.140Z","updatedAt":"2022-03-06T10:21:08.030Z","author":[{"id":176,"name":"Spencer Lin","email":"spencer.lin@us.ibm.com","twitter":"","facebook":"","linkedin":"https://www.linkedin.com/in/spencer-lin-35896317","featured":false,"priority":0,"title":"Global Research Leader, Chemicals, Petroleum, and Industrial Products, IBM Institute for Business Value","image_alt":"","place_of_employment":"","bio":"","createdAt":"2018-12-01T12:32:52.164Z","updatedAt":"2023-10-23T20:15:49.837Z","image":null}],"image":{"id":6915,"name":"94a754d6ede14c80881ea0aa9ef52edf.webp","alternativeText":null,"caption":null,"width":1441,"height":321,"formats":null,"hash":"94a754d6ede14c80881ea0aa9ef52edf_fc5d3e2f01","ext":".webp","mime":"image/webp","size":76.02,"url":"/thought-leadership/institute-business-value/uploads/en/94a754d6ede14c80881ea0aa9ef52edf_fc5d3e2f01","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:21:07.650Z","updatedAt":"2022-03-06T10:21:08.022Z"},"thumbnail":{"id":6852,"name":"df47eacd4ddd4ada9fe04136e6fe6b8a.webp","alternativeText":null,"caption":null,"width":381,"height":191,"formats":null,"hash":"df47eacd4ddd4ada9fe04136e6fe6b8a_728e3534e0","ext":".webp","mime":"image/webp","size":12.28,"url":"/thought-leadership/institute-business-value/uploads/en/df47eacd4ddd4ada9fe04136e6fe6b8a_728e3534e0","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:20:45.815Z","updatedAt":"2022-03-06T10:20:46.589Z"},"mlinks":{"id":112,"prompt":"cognitive-cfo","offer1":"IBM Finance Services offers a suite of services to transform your finance organization to operate in an era of cognitive enterprise. We partner with our clients to advise and manage end-to-end processes, including order-to-cash, procure-to-pay, record-to-report and enterprise performance management.","action1":"Learn more about IBM Finance Services","link1":"https://www.ibm.com/consulting/process/finance","offer2":"Artificial Intelligence Services from IBM can help you drive smart reinvention of your workflows and technology. IBM is here to guide you through your enterprise AI transformation journey and build your business into a cognitive enterprise.","action2":"Learn more about AI consulting services","link2":"https://www.ibm.com/consulting/artificial-intelligence","offer3":null,"action3":null,"link3":null,"locale":"en-us","createdAt":"2019-08-30T04:34:42.703Z","updatedAt":"2021-07-23T04:11:49.672Z"},"assets":[]},{"id":15,"slug":"blockchain-explorers-breaking-away-from-competition","title":"Blockchain Explorers are breaking away from the competition","subtitle":"As boundaries between industries continue to blur, new leaders are emerging: the Blockchain Explorers.","date":"2017-05-18T12:00:00.000Z","blurb":"As boundaries between industries continue to blur, new leaders are emerging: the Blockchain Explorers. They are far more open to new possibilities and experimentation.\n","content":"\u003cp\u003eThey are far more open to new possibilities and experimentation. They have the capacity to learn fast and the capability to move even faster. And if past performance is any indication, they\u0026rsquo;re poised to break away.\u003c/p\u003e\n\n\u003cp\u003eWho are \u003ca href=\"https://www.ibm.com/consulting/insights/c-suite-study/blockchain\" target=\"_blank\"\u003ethe Explorers\u003c/a\u003e? Researchers working with the \u003ca href=\"http://www.ibm.com/ibv\" target=\"_blank\"\u003eIBM Institute for Business Value\u003c/a\u003e discovered them while talking to nearly 3,000 C-suite executives around the world earlier this year for the \u003ca href=\"http://www.ibm.com/csuitestudy\" target=\"_blank\"\u003eGlobal C-suite Study\u003c/a\u003e. The Explorers are a small but distinctive group \u0026mdash; the most distinctive group we\u0026rsquo;ve seen in 15 years of C-suite research. They are early adopters of blockchain, a distributed ledger technology that enables improved operational efficiencies, new revenue generation opportunities and counterintuitive means of interacting with customers, partners and competitors.\u003c/p\u003e\n\n\u003cp\u003eExplorers\u0026rsquo; early experimentation with blockchain isn\u0026rsquo;t their only distinguishing characteristic. They have distinguished themselves from organizations not considering blockchain \u0026mdash; the Passives \u0026mdash; in several key ways.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eBlockchain Explorers are experimenters\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eBlockchain technology is at a point of departure, allowing Explorers to experiment, learn and find opportunities to break away. Four times as many Explorers as Passives aim to disrupt new markets by completely changing the rules of the game.\u0026nbsp;They are proactive rather than reactive; 64 percent of Explorers said they recognize the urgency to digitally reinvent themselves, which is more than double the percentage of Passives who had the same response. They also see tremendous value in moving fast; more than half of the Explorers excel at iterating their strategy through rapid prototyping.\u003c/p\u003e\n\n\u003cp\u003eBlockchain acts as a trust accelerator by creating a traceable audit trail and validating that commitments are met using smart contracts. It democratizes the trust system by proving provenance through verifiable transactions. Explorers understand this far better than most. They identify the need for increased transactional transparency as one of the main drivers behind their enterprise strategy.\u003c/p\u003e\n\n\u003cp style=\"text-align:center\"\u003e\u003cimg alt=\"More than half of Blockchain Explorers excel at iterating their strategies through rapid prototyping.\" height=\"677\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/60c0b9fcfc694f12837582d02b51fb5a.png\" width=\"1201\" /\u003e\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eBlockchain Explorers are innovators\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eExplorers are bold, high-performance innovators; their enterprise strategy is to disrupt rather than defend. They are embracing the power of a radically different business model: the platform business model. This model breaks the boundaries of traditional market exchanges and creates value and network effects from ecosystems. Blockchain-based platforms connect customers, partners and even competitors to create new sources of value. For example, the planned\u0026nbsp;\u003ca href=\"https://www-03.ibm.com/press/us/en/pressrelease/51712.wss\" target=\"_blank\"\u003eMaersk and IBM blockchain platform\u003c/a\u003e unlocks global trade routes by integrating a supply chain of traders, freight forwarders, ocean carriers and customs authorities. Explorers expect this new business model to yield entirely new opportunities to monetize and capitalize their businesses, shift profit pools, and benefit from peer-to-peer exchanges. To that end, two-thirds of Explorers (six times the number of Passives) are already experimenting with or implementing a platform-based business model.\u003c/p\u003e\n\n\u003cp style=\"text-align:center\"\u003e\u003cimg alt=\"66% of Blockchain Explorers say they intend to adopt a new platform business model that breaks the boundaries of traditional market exchanges.\" height=\"677\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/ea08716269d444dab5e10ffa2d584aee.png\" width=\"1201\" /\u003e\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eBlockchain Explorers are collaborators\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eOn platform-based business models, the overall strength of the network is only as great as the weakest link. Each participant can either lift the network higher up or bring it down. Likewise, networks require a new intensity of collaboration that shifts strategy from locking out competitors to helping them advance for the benefit of all.\u003c/p\u003e\n\n\u003cp\u003eWe predict that this will be the greatest challenge for blockchain adoption going forward. While most Explorers understand the need to collaborate with partners and customers, an even greater percentage admit that they struggle with how to collaborate with competitors \u0026mdash; even on a selective basis.\u003c/p\u003e\n\n\u003cp style=\"text-align:center\"\u003e\u003cimg alt=\"71% of Blockchain Explorers say teaming with strategic partners and competitors is important to advance blockchain efforts.\" height=\"677\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/1ba6255006274a1aa192e54a9b07208f.png\" width=\"1200\" /\u003e\u003c/p\u003e\n\n\u003cp\u003eAre you ready to become a Blockchain Explorer? Read the full report, \u003ca href=\"https://www.ibm.com/consulting/insights/c-suite-study/blockchain\" target=\"_blank\"\u003e\u0026ldquo;Forward together: Three ways Blockchain Explorers chart a new direction,\u0026rdquo;\u003c/a\u003e to start your journey.\u003c/p\u003e\n\n\u003cp\u003e\u003cem\u003eThis blog is part of a series of monthly insights that highlight preliminary findings and emerging trends from the \u003ca href=\"https://ibm.com/csuitestudy\" target=\"_blank\"\u003e19th Global C-suite Study.\u003c/a\u003e The study is based on interviews with more than 10,000 CxOs.\u003c/em\u003e\u003c/p\u003e\n","approved":true,"image_alt":"Blockchain Explorers are breaking away from the competition","thumbnail_alt":"Your next competitor could be a Blockchain Explorer.","hideRelatedBlogs":false,"createdAt":"2019-08-30T04:47:17.950Z","updatedAt":"2022-06-02T23:43:54.392Z","author":[{"id":10,"name":"Veena Pureswaran","email":"vpures@us.ibm.com","twitter":"","facebook":"","linkedin":"https://www.linkedin.com/in/veenapureswaran/","featured":false,"priority":0,"title":"Research Director, Quantum Computing and Emerging Technologies, IBM Institute for Business Value","image_alt":"","place_of_employment":"","bio":"","createdAt":"2018-12-01T12:32:51.787Z","updatedAt":"2023-06-12T22:12:19.397Z","image":null}],"image":{"id":7039,"name":"0ef25a4004e54ed0ae132459cf3f5721.webp","alternativeText":null,"caption":null,"width":1441,"height":321,"formats":null,"hash":"0ef25a4004e54ed0ae132459cf3f5721_1b8cecf3f1","ext":".webp","mime":"image/webp","size":10.73,"url":"/thought-leadership/institute-business-value/uploads/en/0ef25a4004e54ed0ae132459cf3f5721_1b8cecf3f1","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:21:11.811Z","updatedAt":"2022-03-06T10:21:12.028Z"},"thumbnail":{"id":6854,"name":"991281ce1a8d467a876cfc41c48ec4e9.webp","alternativeText":null,"caption":null,"width":381,"height":191,"formats":null,"hash":"991281ce1a8d467a876cfc41c48ec4e9_ddf59a1aca","ext":".webp","mime":"image/webp","size":4.79,"url":"/thought-leadership/institute-business-value/uploads/en/991281ce1a8d467a876cfc41c48ec4e9_ddf59a1aca","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:20:53.693Z","updatedAt":"2022-03-06T10:20:53.834Z"},"mlinks":{"id":93,"prompt":"csuite-blockchain","offer1":"To start your blockchain journey, IBM can help you focus on business outcomes, prioritize use cases and develop a minimum viable product (MVP).","action1":"Learn more about IBM Blockchain consulting services","link1":"https://www.ibm.com/consulting/blockchain","offer2":"From frictionless supply chains to food we can really trust, learn how industries are revolutionizing business with IBM Blockchain.","action2":"Learn more about IBM Blockchain solutions","link2":"https://www.ibm.com/consulting/blockchain","offer3":null,"action3":null,"link3":null,"locale":"en-us","createdAt":"2019-08-30T05:16:06.178Z","updatedAt":"2023-12-13T17:44:21.789Z"},"assets":[]},{"id":25,"slug":"loneliness-affects-society-economy","title":"Loneliness in the aging population affects society and the economy","subtitle":"Loneliness often isn’t recognized as an important health, societal and economic challenge.","date":"2017-05-12T12:00:00.000Z","blurb":"Loneliness often isn’t recognized as an important health, societal and economic challenge. That must change. It can lead to health complications such as heart disease and dementia, and it can have equally serious social and economic consequences.\n","content":"\u003cp\u003eLoneliness often isn\u0026rsquo;t recognized as an important health, societal and economic challenge. That must change. Research has shown that it can lead to health complications such as heart disease and dementia. But it can have equally serious social and economic consequences. And the aging population is especially at risk.\u003c/p\u003e\n\n\u003cp style=\"text-align:center\"\u003e\u003cimg alt=\"The invisibility of healthy, active older adults in popular culture fuels a sense of isolation and loss of recognition as valued society members.\" height=\"677\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/aa88cda1b86b4773a78ab3fb0bf137b0.png\" width=\"1201\" /\u003e\u003c/p\u003e\n\n\u003cp\u003eLoneliness in the aging population will impact several industries, and your organization likely has a significant interest in preventing, identifying and addressing causes of it, according to a \u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/report/loneliness\" target=\"_blank\"\u003enew study\u003c/a\u003e from the \u003ca href=\"http://www.ibm.com/ibv\" target=\"_blank\"\u003eIBM Institute for Business Value\u003c/a\u003e. Loneliness affects more than just the individual; it affects surrounding family members and caregivers. It also impacts the medical and government infrastructure working to balance the health of the community with ongoing resource and financial budget restraints.\u003c/p\u003e\n\n\u003cp\u003e\u003cimg alt=\"The hidden costs of loneliness represent a public health conundrum that can worsen as the older adult population grows.\" height=\"677\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/d335ee6fde9e4359a1ddee8b58a7396e.png\" width=\"1201\" /\u003e\u003c/p\u003e\n\n\u003cp\u003eThe problem is complex, but the study reveals key insights that can help organizations work toward a solution:\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eOne organization cannot solve the issue of loneliness on its own\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eSolutions need to engage and integrate many stakeholders, including infrastructure providers, government agencies, and healthcare and advocacy organizations. The collaboration of organizations across multiple industries can open new perspectives on how to combat loneliness in the aging population.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eCustomized, relevant content and services are essential\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eTo successfully build and enhance social capital, solutions need to be tailored to the interests of individuals and adapted to their communities. Each person is unique with different preferences and no two communities are the same. A viable solution will encourage active engagement from all participants.\u003c/p\u003e\n\n\u003cp style=\"text-align:center\"\u003e\u003cimg alt=\"Barriers to addressing loneliness can be grouped into two types: Obstacles to taking action and lack of effective solutions.\" height=\"677\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/7222a340c72b4c4e91de2f9ff8a0c696.png\" width=\"1201\" /\u003e\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003ePersonalization takes priority over simplification\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eSolutions should be able to adapt to the wide variation of technical fluency within the aging community. There\u0026rsquo;s a strong misconception that older adults are unwilling or incapable of using technology. But organizations need to realize that everyone retains the capability to learn. In fact, they should introduce personalized solutions to meet the needs of older adults.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eScalability is the brass ring\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eWhile many successful pilots and programs are in place today, they operate in relative isolation and require a high degree of customization, limiting their ability to expand. Future solutions need to offer both ease of customization and cost-effective scalability to provide sustainable services.\u003c/p\u003e\n\n\u003cp\u003eOrganizations need to create solutions that encourage active engagement from older adults and help them find a renewed sense of purpose and connection with others. Programs that offer opportunities for post-retirement employment and educational pursuits could be a good start. Read the \u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/report/loneliness\" target=\"_blank\"\u003efull report\u003c/a\u003e to learn more about potential solutions.\u003c/p\u003e\n","approved":true,"image_alt":"A man sits alone near the shore. Loneliness can create significant health, societal and economic challenges, according to a study on loneliness in the aging population.","thumbnail_alt":"A man sits alone near the shore. Loneliness can create significant health, societal and economic challenges, according to a study on loneliness in the aging population.","hideRelatedBlogs":false,"createdAt":"2019-09-05T12:33:50.820Z","updatedAt":"2022-06-03T00:57:39.198Z","author":[{"id":266,"name":"Rebecca Wu","email":"rkwu@us.ibm.com ","twitter":"","facebook":"","linkedin":"https://www.linkedin.com/in/rebecca-wu-a7757559/","featured":false,"priority":0,"title":"Business Analytics and Strategy consultant","image_alt":null,"place_of_employment":null,"bio":"","createdAt":"2018-12-01T12:32:53.445Z","updatedAt":"2022-06-03T00:57:39.165Z","image":null},{"id":251,"name":"Heather Fraser","email":"hfraser@uk.ibm.com","twitter":"https://twitter.com/HeatherEFraser","facebook":"","linkedin":"https://linkedin.com/in/heatherefraser","featured":false,"priority":0,"title":"Global Lead for Healthcare and Life Sciences, IBM Institute for Business Value","image_alt":"Heather Fraser","place_of_employment":"","bio":"","createdAt":"2018-12-01T12:32:53.514Z","updatedAt":"2023-03-14T08:14:03.857Z","image":{"id":1112,"name":"i8r8i_ITgs4YME11SUzPT9up","alternativeText":null,"caption":null,"width":null,"height":null,"formats":null,"hash":"d2e2d0903b96451c88082f63faf5332b","ext":".jpg","mime":"image/jpeg","size":22.31,"url":"/thought-leadership/institute-business-value/uploads/en/d2e2d0903b96451c88082f63faf5332b.jpg","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2019-12-10T02:33:38.722Z","updatedAt":"2019-12-10T02:33:38.761Z"}}],"image":{"id":7040,"name":"98bbf9ac88a64eda9e755207f9ee11c9.webp","alternativeText":null,"caption":null,"width":1441,"height":321,"formats":null,"hash":"98bbf9ac88a64eda9e755207f9ee11c9_9453a7ee39","ext":".webp","mime":"image/webp","size":25.75,"url":"/thought-leadership/institute-business-value/uploads/en/98bbf9ac88a64eda9e755207f9ee11c9_9453a7ee39","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:21:11.807Z","updatedAt":"2022-03-06T10:21:12.009Z"},"thumbnail":{"id":6724,"name":"b6998b1938d7454e8edea131e7204f69.webp","alternativeText":null,"caption":null,"width":381,"height":191,"formats":null,"hash":"b6998b1938d7454e8edea131e7204f69_5f7ee6c8bf","ext":".webp","mime":"image/webp","size":5.71,"url":"/thought-leadership/institute-business-value/uploads/en/b6998b1938d7454e8edea131e7204f69_5f7ee6c8bf","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:20:59.401Z","updatedAt":"2022-03-06T10:20:59.426Z"},"mlinks":{"id":184,"prompt":"loneliness-aging","offer1":"Making progress in health, together.","action1":"IBM Watson Health","link1":"https://www.ibm.com/watson-health","offer2":"Learn how to operationalize AI in your business.","action2":"IBM Watson","link2":"https://www.ibm.com/watson","offer3":"Explore IBM solutions, technologies and consulting services for healthcare organizations.","action3":"IBM Healthcare solutions","link3":"https://www.ibm.com/industries/healthcare","locale":"en-us","createdAt":"2019-09-05T12:58:56.316Z","updatedAt":"2022-06-03T00:57:39.185Z"},"assets":[]},{"id":10,"slug":"digital-brings-new-customer-experience-lessons","title":"Digital era brings new wave of customer experience lessons","subtitle":"Today’s customers can be disappointed after just one click, making customer experience more complex — and more important — than ever.","date":"2017-05-05T12:00:00.000Z","blurb":"Today’s customers can be disappointed after just one click, making customer experience more complex — and more important — than ever.\n","content":"\u003cp\u003eChanges that come from digital customer experience impact not only customers, but also companies\u0026rsquo; strategies, processes, operations and employees. The \u003ca href=\"http://www.ibm.com/ibv\" target=\"_blank\"\u003eIBM Institute for Business Value\u003c/a\u003e surveyed 1,400 companies and 6,600 consumers to better understand the sweeping effects of digital engagement. Our goal was to help companies avoid common pitfalls as they pursue successful digital transformation of their customer experience. The result? A comprehensive four-part series, \u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/report/custexperience\" target=\"_blank\"\u003e\u0026ldquo;The experience revolution,\u0026rdquo;\u003c/a\u003e that revealed these key lessons:\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eAvoid false choices\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eA foundational shift is occurring: the majority of companies surveyed are embracing digital to reinvent their customer experience. Companies across industries are racing to either augment or replace in-person, manual customer interactions with digital ones like mobile apps, virtual reality and voice command (Cognitive /AI). \u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/report/custexperience\" target=\"_blank\"\u003eExecutives surveyed overwhelmingly cite revenue and increased market share as the key drivers for their customer engagement strategy.\u003c/a\u003e Far fewer considered the opportunities for cost reduction and improved loyalty. Yet, digital transformation can deliver both growth and efficiencies. Boxing yourself into one while ignoring the other limits the value digital customer experience can bring to your organization.\u003c/p\u003e\n\n\u003cp style=\"text-align:center\"\u003e\u003cimg alt=\"By 2017, 86% of surveyed businesses plan mobile apps to enhance customer experience at their physical locations.\" height=\"677\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/79ecd82b24ed46cab2b3648d5f4a8bb3.png\" width=\"1201\" /\u003e\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eFind your North Star\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eWhat strategies, methods and measurements are organizations using to digitize customer experience? \u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/report/custexperience\" target=\"_blank\"\u003eWe uncovered three distinct types of companies\u003c/a\u003e, characterized by where they are along their transformation journey. The \u0026ldquo;Amateurs\u0026rdquo; are in the early stages of establishing a customer experience mandate for their business.\u0026nbsp; The \u0026ldquo;Professionals\u0026rdquo; are further along with coordinated customer experience initiatives and standards, but they lack an overarching strategy. The \u0026ldquo;Elites\u0026rdquo; are far more visionary and have a more advanced approach to customer experience across a number of factors. \u0026nbsp;Not surprisingly, the \u0026ldquo;Elites\u0026rdquo; have embedded a customer-first philosophy into their corporate DNA.\u003c/p\u003e\n\n\u003cp style=\"text-align:center\"\u003e\u003cimg alt=\"Companies fiercely focused on customer experience assign customer and business value, continuously test and optimize; engage employees as critical drivers of experience; and dive deep into data insights.\" height=\"677\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/8e22518f9a034624ab0908fa3dd6ff0d.png\" width=\"1201\" /\u003e\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eHappy employees make for happy customers\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eHow will these new digital modes for customer engagement impact employees\u0026rsquo; jobs? \u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/report/custexperience\" target=\"_blank\"\u003eExecutives told us they expect their workplace will be profoundly different.\u003c/a\u003e They plan to revisit their corporate talent strategy, hire people with digital skill sets, introduce new employee responsibilities and incentives, and they believe the shift to digital customer experience will create new career opportunities for their teams. However, despite these expected changes, most companies still don\u0026rsquo;t include an employee experience strategy in their customer experience strategy.\u003c/p\u003e\n\n\u003cp style=\"text-align:center\"\u003e\u003cimg alt=\"Surveyed executives say these digital roles top their wish lists: user experience professionals, interactive designers, systems engineers/architects, and application developers\" height=\"677\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/2f8009ee76a94ff297864486705d3578.png\" width=\"1201\" /\u003e\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eBeware of digital customer experience disconnects\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eFor many customers, new digital options haven\u0026rsquo;t lived up to the hype. We surveyed both executives and consumers and we were alarmed to find \u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/report/custexperience\" target=\"_blank\"\u003eserious disconnects\u003c/a\u003e between why executives thought customers would adopt their digital experiences and what consumers told us motivated them to switch from traditional channels to digital ones. Executives thought consumers wanted more control. But for consumers, control was near the bottom of their list. They wanted time savings more than anything else. Even worse: many consumers who tried companies\u0026rsquo; new digital options found them unsatisfactory and would not adopt them.\u003c/p\u003e\n\n\u003cp style=\"text-align:center\"\u003e\u003cimg alt=\"Top reasons consumers are disappointed with companies' digital customer experience: it didn't work as expected; it wasn't convenient; it was hard to use; it was too confusing\" height=\"677\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/2a0594007a8b4dae974132527fa46c6a.png\" width=\"1201\" /\u003e\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eThe bottom line: View digital customer experience holistically\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eConsumers\u0026rsquo; disappointment underscores the key message resonating from each report in the series: Instead of approaching digitization as point solutions, companies need to think about digital customer experience as a holistic, enterprise strategy that permeates all aspects of their business.\u003c/p\u003e\n\n\u003cp\u003eCould organizations simply launch a few applications to give customers new ways to get assistance or make a purchase? Lots of businesses are doing that. But if digital options don\u0026rsquo;t alleviate customers\u0026rsquo; core pain points, widespread customer adoption is at risk. Eventually, siloed, digital one-offs will become a hodge-podge of touchpoints that are increasingly cumbersome for customers to use, and difficult for companies to manage. Plus, you cannot optimize invaluable, digital customer data if you don\u0026rsquo;t consolidate it into insights you can use across functions. And if you think hiring good digital talent can solve the problem, think again. These people are in high demand, and they can be hard to find. You might need a whole new talent strategy. When you change your customer experience, you change your employee experience, certainly for your customer-facing employees, but also for others throughout your organization.\u003c/p\u003e\n\n\u003cp\u003eOur findings demonstrate that digital transformation of customer experience has far-reaching implications. Companies that exploit this opportunity to strategically and tactically reinvent their business will be way ahead of the game. To learn more, read \u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/report/custexperience\" target=\"_blank\"\u003ethe full series\u003c/a\u003e.\u003c/p\u003e\n","approved":true,"image_alt":"","thumbnail_alt":"","hideRelatedBlogs":false,"createdAt":"2019-09-05T09:20:20.746Z","updatedAt":"2022-06-03T23:53:46.668Z","author":[{"id":666,"name":"Carolyn Heller Baird","email":"cbaird@us.ibm.com","twitter":"https://twitter.com/cjhbaird","facebook":"","linkedin":"https://www.linkedin.com/in/carolyn-baird-0478083","featured":false,"priority":0,"title":"Global Research Leader, Customer Experience and Design, IBM Institute for Business Value","image_alt":"","place_of_employment":"","bio":"","createdAt":"2020-11-27T10:37:12.577Z","updatedAt":"2022-08-18T21:50:09.180Z","image":null}],"image":{"id":6116,"name":"f4d12fc458d640d28caa800c4700f976.webp","alternativeText":null,"caption":null,"width":1140,"height":320,"formats":null,"hash":"f4d12fc458d640d28caa800c4700f976_d9d586a8b6","ext":".webp","mime":"image/webp","size":20.12,"url":"/thought-leadership/institute-business-value/uploads/en/f4d12fc458d640d28caa800c4700f976_d9d586a8b6","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:20:57.302Z","updatedAt":"2022-03-06T10:20:57.352Z"},"thumbnail":{"id":6348,"name":"5df6228090264ac0bce2f89ac9dcbb24.webp","alternativeText":null,"caption":null,"width":380,"height":190,"formats":null,"hash":"5df6228090264ac0bce2f89ac9dcbb24_e30b8fa7b4","ext":".webp","mime":"image/webp","size":8.9,"url":"/thought-leadership/institute-business-value/uploads/en/5df6228090264ac0bce2f89ac9dcbb24_e30b8fa7b4","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:20:46.367Z","updatedAt":"2022-03-06T10:20:47.217Z"},"mlinks":{"id":267,"prompt":"cx-series","offer1":"IBM iX works at the intersection of strategy, creativity and technology to help our clients digitally reinvent their businesses.","action1":"IBM iX","link1":"https://www.ibm.com/consulting/ibmix","offer2":"IBM Application Services can help you deliver new applications, modernize your legacy applications, and balance the cost and complexity of your digital transformation. ","action2":"IBM Application Services","link2":"https://www.ibm.com/consulting/applications","offer3":"IBM can help organizations create smarter, more innovative customer experiences that build loyalty and trust.","action3":"IBM Consulting Customer Experience","link3":"https://www.ibm.com/smarter-business/customer-experience/","locale":"en-us","createdAt":"2019-09-05T10:18:08.057Z","updatedAt":"2023-12-13T19:23:40.566Z"},"assets":[]},{"id":43,"slug":"disruption-organizations-are-unprepared","title":"Disruption is a well-known threat, but some organizations are still unprepared","subtitle":"Executives have heard many warnings about the threat of disruption.","date":"2017-04-26T12:00:00.000Z","blurb":"Executives have heard many warnings about the threat of disruption. Yet some organizations appear to be doing little to prepare for a more dynamic, uncertain future.\n","content":"\u003cp\u003eYet some organizations appear to be doing little to prepare for a more dynamic, uncertain future. And they may be paying for it in lost opportunities and lower revenue.\u003c/p\u003e\n\n\u003cp\u003eThe \u003ca href=\"https://www.ibm.com/ibv\" target=\"_blank\"\u003eIBM Institute for Business Value\u003c/a\u003e is exploring how organizations respond to the threat of disruption as part of our \u003ca href=\"https://www.ibm.com/csuitestudy\" target=\"_blank\"\u003e19th Global C-suite Study\u003c/a\u003e. We will publish the full study in early 2018, but our early findings are telling. Some companies clearly are better prepared than others, and their bottom lines show it. They are investing more time, money and energy into building a set of capabilities (integrating people skills, systems and processes) that are tightly aligned with their competitive strategies.\u003c/p\u003e\n\n\u003cp\u003eWe asked executives to rate their enterprise\u0026rsquo;s effectiveness at managing organizational change in response to emerging business trends. The question is subjective but executives\u0026rsquo; candor is pleasantly surprising. More executives rate their enterprise above average (33 percent) than below (14 percent). However, we saw strong correlations when we compared those positions against other characteristics.\u003c/p\u003e\n\n\u003cp\u003eFor example, those who say they are highly effective at organizational change are overwhelmingly more likely to come from companies that outperformed the market over the last few years. By contrast, below-average change managers are more likely to be underperformers. Similarly, businesses are more likely to be strong on innovation if they also manage internal change effectively. Those who view their organizations as market followers seem to struggle to adapt to new ways\u0026nbsp;\u0026mdash; despite obvious potential threats.\u003c/p\u003e\n\n\u003cp style=\"text-align:center\"\u003e\u003cimg alt=\"Top organizations excel at managing change in response to emerging business trends.\" height=\"721\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/76831cc0782947d7ad1e6c08d54229e9.png\" width=\"1348\" /\u003e\u003c/p\u003e\n\n\u003cp\u003eDelving a little deeper, we can identify specific areas of business capability that are key to supporting an effective strategic response. The differences between high-performing companies and their less successful industry peers are startling. Businesses that outperformed the market in both revenue and profit are much more likely to:\u003c/p\u003e\n\n\u003cul\u003e\n\t\u003cli\u003eHave a well-defined strategy for dealing with disruption;\u003c/li\u003e\n\t\u003cli\u003eHave the people skills and resources required to execute their strategy;\u003c/li\u003e\n\t\u003cli\u003eEnsure that their IT strategy is closely aligned with their business strategy;\u003c/li\u003e\n\t\u003cli\u003eBe adept at using a more agile, rapid-prototyping approach to testing and refining each element of their strategy;\u003c/li\u003e\n\t\u003cli\u003eOptimize their business processes to support the enterprise strategy;\u003c/li\u003e\n\t\u003cli\u003eThoroughly test each element of the strategy \u0026ndash; with extensive input from their business units \u0026ndash; before moving to implementation; and\u003c/li\u003e\n\t\u003cli\u003eLeverage data and analytics to help inform and adapt their strategy.\u003c/li\u003e\n\u003c/ul\u003e\n\n\u003cp style=\"text-align:center\"\u003e\u003cimg alt=\"Market leaders invest in the foundations needed to meet new challenges and opportunities\" height=\"1063\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/3e1a8bb178ad4838a0815b0affb29417.png\" width=\"1337\" /\u003e\u003c/p\u003e\n\n\u003cp\u003ePutting the right foundations in place to respond to new challenges and opportunities \u0026mdash; specifically around new business models and operating models \u0026mdash; is a key indicator of past and future success. These early indicators sharply contrast what the best companies do to prepare and what might hurt those that fall behind.\u003c/p\u003e\n\n\u003cp\u003eFor more early insights from the C-suite Study, read \u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/blog/cxos-set-sights-traditional-targets\" target=\"_blank\"\u003eour previous blog\u003c/a\u003e, which explores the changing nature of competition and innovation. And watch for our next blog, which will highlight one area where outperformers excel: the adoption of blockchain technologies.\u003c/p\u003e\n\n\u003cp\u003e\u003cem\u003eThis blog is part of a series of monthly insights that highlight preliminary findings and emerging trends from the \u003ca href=\"https://www.ibm.com/csuitestudy\" target=\"_blank\"\u003e19th Global C-suite Study.\u003c/a\u003e The study is based on interviews with more than 10,000 CxOs.\u003c/em\u003e\u003c/p\u003e\n","approved":true,"image_alt":"","thumbnail_alt":"","hideRelatedBlogs":false,"createdAt":"2019-09-05T11:06:10.050Z","updatedAt":"2022-03-06T10:21:21.356Z","author":[{"id":347,"name":"Stephen Marshall","email":"stephenm@nz1.ibm.com","twitter":"","facebook":"","linkedin":"https://ae.linkedin.com/in/stephenmarshall","featured":false,"priority":0,"title":"Global C-suite Study Programme Manager, Asia-Pacific IBM Consulting ","image_alt":"","place_of_employment":"","bio":"","createdAt":"2019-08-28T22:03:04.415Z","updatedAt":"2022-07-11T23:17:15.499Z","image":null}],"image":{"id":7213,"name":"0f227b989bf44f6aada4b982a0b32ada.webp","alternativeText":null,"caption":null,"width":1440,"height":320,"formats":null,"hash":"0f227b989bf44f6aada4b982a0b32ada_6d92f90aea","ext":".webp","mime":"image/webp","size":9.62,"url":"/thought-leadership/institute-business-value/uploads/en/0f227b989bf44f6aada4b982a0b32ada_6d92f90aea","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:21:21.024Z","updatedAt":"2022-03-06T10:21:21.284Z"},"thumbnail":{"id":6987,"name":"f4a9393ca3084196b25119a303c94db1.webp","alternativeText":null,"caption":null,"width":381,"height":191,"formats":null,"hash":"f4a9393ca3084196b25119a303c94db1_51a16bf6c4","ext":".webp","mime":"image/webp","size":6.92,"url":"/thought-leadership/institute-business-value/uploads/en/f4a9393ca3084196b25119a303c94db1_51a16bf6c4","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:21:06.305Z","updatedAt":"2022-03-06T10:21:06.355Z"},"mlinks":null,"assets":[]},{"id":33,"slug":"three-reasons-banks-adopt-hybrid-cloud","title":"Three reasons banks are adopting hybrid cloud","subtitle":"If banks are reticent to fully embrace the power of hybrid cloud, they may be missing out on getting closer to customers and outpacing competition.","date":"2017-04-17T12:00:00.000Z","blurb":"Hybrid cloud solutions could help banks in many ways, from improving customer relationships to pulling ahead of the competition. Surveyed banks revealed three top reasons they're investing in hybrid cloud.\n","content":"\u003cp\u003eThe \u003ca href=\"http://www.ibm.com/ibv\" target=\"_blank\"\u003eIBM Institute for Business Value\u003c/a\u003e report, \u0026ldquo;\u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/report/hybridcloudbank\" target=\"_blank\"\u003eTailoring Hybrid Cloud for Banking\u003c/a\u003e,\u0026rdquo; reveals the three top reasons banks are adopting hybrid cloud \u0026mdash; and why bankers think they\u0026rsquo;re important:\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003e1. Hybrid cloud could help banks cut costs\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eReducing the total cost of technology ownership is the most popular reason for implementing hybrid cloud. Hybrid clouds can cut costs by taking advantage of the economies of scale that cloud data centers provide. Data centers offer lower costs for hardware, power, facility upkeep and infrastructure staffing. Instead of locking up funds in soon-to-be outmoded capital equipment, cash generated from business success can be reinvested directly into near-term profit growth.\u003c/p\u003e\n\n\u003cp style=\"text-align:center\"\u003e\u003cimg alt=\"87% of outperforming banks surveyed indicated they are using hybrid cloud to reduce operational costs.\" height=\"677\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/3c7012c53ee841129a9f7d0e9132d2d0.png\" width=\"1201\" /\u003e\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003e2. Hybrid cloud could help banks improve operational efficiency\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eForty-seven percent of bankers cited operational efficiency as a top reason for implementing hybrid cloud. Cloud enables banks to quickly provision resources across an entire ecosystem to rapidly assemble tailor-made solutions for critical business needs. This can greatly reduce time spent on problem solving while enhancing the agility of banks in responding to constantly shifting market demands.\u0026nbsp; In the realm of IT, cloud enables operational efficiencies by optimizing the latest infrastructure, middleware and apps. This enables banks to leave subpar legacy systems behind. For example, during online financial transaction processing, banks can plug in the latest third-party cloud-based API service to verify user identity.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003e3. Hybrid cloud could help banks boost innovation\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eCloud adoption fosters innovation because it can transcend barriers of geography, industry, and organization. Cloud accelerates innovation by enabling quick prototyping of new ideas for fast experimentation. Remarkably, at least 75 percent of bankers surveyed said their most successful cloud initiatives had \u003cem\u003ealready\u003c/em\u003e achieved expansion into new industries, creation of new revenue streams, and expansion of their product/services portfolio.\u003c/p\u003e\n\n\u003cp style=\"text-align:center\"\u003e\u003cimg alt=\"47% of banking executives surveyed said they are using cloud to drive more innovation.\" height=\"677\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/680570faa6f44c00bcc11dc749a70eea.png\" width=\"1201\" /\u003e\u003c/p\u003e\n\n\u003cp\u003eClearly, cloud has evolved from a technological platform to an integral part of banking transformation.\u003c/p\u003e\n\n\u003cp\u003eTo get started with hybrid cloud, banking leaders can ask three key questions:\u003c/p\u003e\n\n\u003cul\u003e\n\t\u003cli\u003eHow would you articulate your bank\u0026rsquo;s cloud strategy?\u003c/li\u003e\n\t\u003cli\u003eWhat new benefits can your bank attain by more thoroughly embracing hybrid cloud?\u003c/li\u003e\n\t\u003cli\u003eWhat are the logical steps to start accelerating your hybrid cloud adoption today?\u003c/li\u003e\n\u003c/ul\u003e\n\n\u003cp\u003eFor more findings on how hybrid cloud can address a bank\u0026rsquo;s unique needs, consider reading the \u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/report/hybridcloudbank\" target=\"_blank\"\u003efull report\u003c/a\u003e.\u003c/p\u003e\n\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\n","approved":true,"image_alt":"Financial charts are superimposed over a city skyline. Banks are using hybrid cloud to cut costs, improve operations and boost innovation.","thumbnail_alt":"Financial charts are superimposed over a city skyline. Banks are using hybrid cloud to cut costs, improve operations and boost innovation.","hideRelatedBlogs":false,"createdAt":"2019-09-06T04:32:58.971Z","updatedAt":"2022-03-06T10:20:57.616Z","author":[{"id":22,"name":"Lynn Kesterson-Townes","email":"lkt@us.ibm.com","twitter":"https://twitter.com/@LynnKesterson","facebook":"","linkedin":"https://linkedin.com/in/lynnkesterson","featured":false,"priority":0,"title":"Global Cloud \u0026 Quantum Leader, IBM Institute for Business Value, IBM Consulting","image_alt":"","place_of_employment":"","bio":"","createdAt":"2018-12-01T12:32:51.788Z","updatedAt":"2022-10-31T02:19:34.507Z","image":null}],"image":{"id":6468,"name":"ac14e538d85c471097922200e71bb60e.webp","alternativeText":null,"caption":null,"width":1441,"height":321,"formats":null,"hash":"ac14e538d85c471097922200e71bb60e_84b87c8f99","ext":".webp","mime":"image/webp","size":73.02,"url":"/thought-leadership/institute-business-value/uploads/en/ac14e538d85c471097922200e71bb60e_84b87c8f99","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:20:57.478Z","updatedAt":"2022-03-06T10:20:57.581Z"},"thumbnail":{"id":6251,"name":"d6dfedb78ad9442eb157c6ab82182524.webp","alternativeText":null,"caption":null,"width":381,"height":191,"formats":null,"hash":"d6dfedb78ad9442eb157c6ab82182524_1b22821382","ext":".webp","mime":"image/webp","size":16.65,"url":"/thought-leadership/institute-business-value/uploads/en/d6dfedb78ad9442eb157c6ab82182524_1b22821382","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:20:47.323Z","updatedAt":"2022-03-06T10:20:47.396Z"},"mlinks":{"id":306,"prompt":"hybrid-cloud-bank","offer1":"A hybrid multicloud environment is the new reality. From idea to implementation to management, IBM can make cloud a foundation for innovation with the right cloud strategy.","action1":"Services for Cloud Strategy","link1":"https://www.ibm.com/consulting/cloud/strategy","offer2":"The modern financial enterprise needs to be agile, secure, responsive, efficient and collaborative. IBM offers a variety of solutions and services to help banks and finance organizations outpace their competition.","action2":"Banking and Financial markets solutions","link2":"https://www.ibm.com/industries/banking-financial-markets","offer3":"Discover a faster, more secure journey to cloud trusted by thousands of enterprises across 20 industries","action3":"IBM Cloud","link3":"https://www.ibm.com/cloud","locale":"en-us","createdAt":"2019-09-06T05:20:31.952Z","updatedAt":"2022-10-30T22:47:18.211Z"},"assets":[]},{"id":5,"slug":"digital-customer-experience-nirvana-nightmare","title":"Is your digital customer experience nirvana or a nightmare?","subtitle":"In this age of digital disruption, the move to digital customer experience seems inevitable.","date":"2017-04-07T12:00:00.000Z","blurb":"In this age of digital disruption, the move to digital customer experience seems inevitable. But how much digital do customers really want?\n","content":"\u003cp\u003eCompanies across industries are aggressively implementing a variety of digital technologies \u0026mdash; from mobile apps to virtual reality \u0026mdash; to enhance their customer experience.\u003c/p\u003e\n\n\u003cp\u003eBut how much digital do customers really want?\u003c/p\u003e\n\n\u003cp\u003eThe \u003ca href=\"http://www.ibm.com/ibv\" target=\"_blank\"\u003eIBM Institute for Business Value\u003c/a\u003e took a step back from the buzz to ask this really fundamental question: Why would customers \u0026mdash; who for years have been using traditional methods to engage and transact with companies like retailers, hotels and banks \u0026mdash; be willing to adopt digital alternatives? It\u0026rsquo;s important to know the answer, because if companies get it wrong, they could be designing digital experiences that customers aren\u0026rsquo;t interested in adopting.\u003c/p\u003e\n\n\u003cp\u003eWe learned that, in fact, companies cannot assume all consumers are digital enthusiasts. \u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/report/cx-disappointment\" target=\"_blank\"\u003eOur research\u003c/a\u003e uncovered alarming disconnects between what executives believe customers want from digital experiences, and what consumers say matters most.\u003c/p\u003e\n\n\u003cp style=\"text-align:center\"\u003e\u003cimg alt=\"Our research revealed three major disconnects between companies and consumers about digital customer experience.\" height=\"372\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/aa9e94ac839a4ae1aa6242a22e2ddeac.png\" width=\"660\" /\u003e\u003c/p\u003e\n\n\u003cp\u003eFor example, executives said they think customers adopt digital customer experience to have an improved sense of control. Consumers, however, ranked that near the very bottom of their list. Instead, they want time savings. Consumers don\u0026rsquo;t care if they have to engage with a person, so long as they get what they need quickly and conveniently. If \u0026ldquo;being in control\u0026rdquo; means having to figure out a new digital interface that isn\u0026rsquo;t intuitive, that becomes a liability. And voil\u0026agrave;, you have just introduced a new pain point.\u003c/p\u003e\n\n\u003cp\u003ePerhaps the most troubling finding focused on consumers\u0026rsquo; reasons for avoiding companies\u0026rsquo; digital touchpoints. A subset of consumers in our study had tried companies\u0026rsquo; digital options but had decided not to adopt them. It wasn\u0026rsquo;t because they had lost interest, or that the option to use these digital alternatives wasn\u0026rsquo;t readily available. Instead, their initial experience had somehow disappointed them. The initiatives didn\u0026rsquo;t work like people expected, weren\u0026rsquo;t convenient, or were too confusing or hard to use \u0026mdash; deal-breakers all around.\u003c/p\u003e\n\n\u003cp style=\"text-align:center\"\u003e\u003cimg alt=\"Top reasons consumers are disappointed with companies' digital customer experience: 1. It didn't work as expected 2. It wasn't convenient 3. It was hard to use 4. It was too confusing\" height=\"372\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/9a96638d467d431d9f84113fc55427a7.png\" width=\"660\" /\u003e\u003c/p\u003e\n\n\u003cp\u003eNo one is suggesting that companies abandon their digital ambitions. In today\u0026rsquo;s competitive environment, digital innovations often create disruptive experiences that can differentiate a brand or create new business models. But this type of success only comes if a digital alternative offers a superior experience that eliminates customer pain points. It cannot just provide a marginal improvement over traditional customer engagement.\u003c/p\u003e\n\n\u003cp\u003eThese are only a few highlights from our findings. Download the report, \u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/report/cx-disappointment\" target=\"_blank\"\u003eDigital disappointment \u0026mdash; why some customers aren\u0026rsquo;t fans\u003c/a\u003e, for recommendations to help ensure your digital customer experience doesn\u0026rsquo;t miss the mark.\u003c/p\u003e\n\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\n","approved":true,"image_alt":"Fans react with mixed emotions, much like consumers react to companies' digital customer experience.","thumbnail_alt":"Fans react with mixed emotions, much like consumers react to companies' digital customer experience.","hideRelatedBlogs":false,"createdAt":"2019-09-07T09:15:07.348Z","updatedAt":"2022-06-03T23:54:21.694Z","author":[{"id":666,"name":"Carolyn Heller Baird","email":"cbaird@us.ibm.com","twitter":"https://twitter.com/cjhbaird","facebook":"","linkedin":"https://www.linkedin.com/in/carolyn-baird-0478083","featured":false,"priority":0,"title":"Global Research Leader, Customer Experience and Design, IBM Institute for Business Value","image_alt":"","place_of_employment":"","bio":"","createdAt":"2020-11-27T10:37:12.577Z","updatedAt":"2022-08-18T21:50:09.180Z","image":null}],"image":{"id":7251,"name":"d2aaec0e015d4a36a2911df766a9d2d7.webp","alternativeText":null,"caption":null,"width":2000,"height":500,"formats":null,"hash":"d2aaec0e015d4a36a2911df766a9d2d7_744197eaad","ext":".webp","mime":"image/webp","size":65.66,"url":"/thought-leadership/institute-business-value/uploads/en/d2aaec0e015d4a36a2911df766a9d2d7_744197eaad","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:21:19.840Z","updatedAt":"2022-03-06T10:21:20.070Z"},"thumbnail":{"id":6913,"name":"98f2dedb125c4a2096acf2f37c99c257.webp","alternativeText":null,"caption":null,"width":699,"height":401,"formats":null,"hash":"98f2dedb125c4a2096acf2f37c99c257_74f2171943","ext":".webp","mime":"image/webp","size":26.41,"url":"/thought-leadership/institute-business-value/uploads/en/98f2dedb125c4a2096acf2f37c99c257_74f2171943","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:21:03.758Z","updatedAt":"2022-03-06T10:21:03.789Z"},"mlinks":null,"assets":[]},{"id":29,"slug":"retail-pursuit-optimal-customer-experience","title":"Every industry can learn from retail's pursuit of optimal customer experience","subtitle":"Retail and consumer products brands have much work to do to satisfy customers’ continually evolving expectations. ","date":"2017-03-30T12:00:00.000Z","blurb":"Retail and consumer products brands have much work to do to satisfy customers’ continually evolving expectations. With so few brands pushing the envelope of customer experience innovation, there is a real danger that customer expectations will outstrip brands’ capabilities to deliver the optimal shopping experience.\n","content":"\u003cp\u003eOn a 0 \u0026ndash; 100 scale, brands scored an average of 33 in the\u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/report/cxindex2017\" target=\"_blank\"\u003e\u003cstrong\u003e 2017 Customer Experience Index Study\u003c/strong\u003e\u003c/a\u003e from the\u003cstrong\u003e \u003ca href=\"https://www.ibm.com/ibv\" target=\"_blank\"\u003eIBM Institute for Business Value\u003c/a\u003e\u003c/strong\u003e. Only 3 percent of brands were classed as \u0026ldquo;Leading Edge,\u0026rdquo; which means they scored 60 or higher on the index. With so few brands pushing the envelope of customer experience innovation, there is a real danger that customer expectations will outstrip brands\u0026rsquo; capabilities to deliver the optimal shopping experience.\u003c/p\u003e\n\n\u003cp style=\"text-align:center\"\u003e\u003cimg alt=\"Only 3 percent of analyzed brands were classified as \u0026quot;Leading Edge,\u0026quot; while 39% were \u0026quot;Lagging Behind\u0026quot; or \u0026quot;Falling Behind.\u0026quot; \" height=\"677\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/cc169fc3549e40e785b0c158f2b9f193.png\" width=\"1201\" /\u003e\u003c/p\u003e\n\n\u003cp\u003eThis problem likely isn\u0026rsquo;t unique to retail and consumer products companies. Organizations in every industry have customers of one type or another, and every organization is in competition to keep customers\u0026rsquo; loyalty, advocacy and spend. If your business revolves around selling or providing goods or services to another entity, then the CEI study is relevant to you. And its insights can help you determine how to adapt your business model to enhance your competitive advantage and improve customer loyalty.\u003c/p\u003e\n\n\u003cp\u003eTo create the CEI study, we leveraged feedback from 35,000 consumers who told us what was important to them at strategic points along the shopping journey, factors that would influence the choice of one brand over another. Their responses show that companies must focus on seven key areas:\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003ePersonalization\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eOrganizations must tailor the experience to customers\u0026rsquo; preferences. Who are these customers? What do they want? How can a company give them what they want at scale while remaining cost-effective and profitable? Any business must be able to answer these questions.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eDigital experience\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eThe world is in motion and data is all around. Companies must make it easy for customers to connect and transact wherever and whenever they want in a frictionless manner. If it\u0026rsquo;s difficult to do business with you, then customers will go elsewhere.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eSupply chain\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eCompanies must have the right product in the right place and at the right time and price. Getting the basics right so you never have to say no is fundamental to customer confidence. Visibility, transparency and reliability underpin a positive brand experience and will encourage customers to spend.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003ePhysical/digital integration\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eWhere physical and digital meet is one of the key battlegrounds for the hearts and minds of customers. It\u0026rsquo;s about ensuring consistency of experience, regardless of channel, because customers don\u0026rsquo;t recognize separate channels anymore. They see only the brand, and they\u0026rsquo;re looking for the provider of the best brand experience.\u003c/p\u003e\n\n\u003cp style=\"text-align:center\"\u003e\u003cimg alt=\"Brands need to improve their performance in more differentiating capabilities, such as personalization, mobile experience, and the digitally integrated store experience.\" height=\"677\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/961ec0ce1ec84da4ac5208d38e2fe78d.png\" width=\"1201\" /\u003e\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eSocial media\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eCompanies must get to know customers beyond the transaction and become essential in their lifestyle during every life stage. Brands need to stay relevant and create an ongoing dialogue. Co-creating and collaborating with customers (in new product development, for example) will mean more hits than misses. This will be good for your bottom line.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eMobile\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eEveryone has a mobile device. Make it easy for your customers to get the best out of their devices. Design your experience around the always-on, always-connected mobile consumer.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eStore experience\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eWhat if my industry doesn\u0026rsquo;t have stores? Well, how about branches, showrooms, cinemas, terminals or offices? It\u0026rsquo;s the same idea, just a different name. It\u0026rsquo;s where you physically interact with the customer, and that can create a very lasting impression indeed. A digitally integrated \u0026ldquo;store\u0026rdquo; experience with connected, knowledgeable associates acting as brand ambassadors can help customers make the right choices when making purchases and keep them coming back for more.\u003c/p\u003e\n\n\u003cp\u003eRead \u003cstrong\u003e\u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/report/cxindex2017\" target=\"_blank\"\u003ethe full CEI study\u003c/a\u003e\u003c/strong\u003e to learn more about how its findings can be relevant to your industry and your business. Analyzing your organization through the CEI lens could give you a vital point of differentiation in the battle against your competitors and help you strengthen relationships with your customers.\u003c/p\u003e\n","approved":true,"image_alt":"A consumer shops on her mobile device as the retail industry works to improve customer experience.","thumbnail_alt":"A consumer shops on her mobile device as the retail industry works to improve customer experience.","hideRelatedBlogs":false,"createdAt":"2019-09-07T10:05:59.795Z","updatedAt":"2022-03-06T10:21:05.705Z","author":[{"id":234,"name":"Simon Glass","email":"glass@uk.ibm.com","twitter":"https://twitter.com/simonglass004","facebook":"","linkedin":"https://www.linkedin.com/in/simon-glass-730b654/","featured":false,"priority":0,"title":"Global Retail Leader","image_alt":null,"place_of_employment":null,"bio":"","createdAt":"2018-12-01T12:32:53.030Z","updatedAt":"2022-08-24T23:48:38.205Z","image":null}],"image":{"id":6982,"name":"c34d099471f94af09a2edec687c98d72.webp","alternativeText":null,"caption":null,"width":1440,"height":320,"formats":null,"hash":"c34d099471f94af09a2edec687c98d72_2e79df80f0","ext":".webp","mime":"image/webp","size":10.35,"url":"/thought-leadership/institute-business-value/uploads/en/c34d099471f94af09a2edec687c98d72_2e79df80f0","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:21:05.469Z","updatedAt":"2022-03-06T10:21:05.668Z"},"thumbnail":{"id":6118,"name":"5c76bc2626f14e268d509f82e2b17b0e.webp","alternativeText":null,"caption":null,"width":300,"height":150,"formats":null,"hash":"5c76bc2626f14e268d509f82e2b17b0e_f42a2fdb7d","ext":".webp","mime":"image/webp","size":2.65,"url":"/thought-leadership/institute-business-value/uploads/en/5c76bc2626f14e268d509f82e2b17b0e_f42a2fdb7d","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:20:57.554Z","updatedAt":"2022-03-06T10:20:57.648Z"},"mlinks":{"id":267,"prompt":"cx-series","offer1":"IBM iX works at the intersection of strategy, creativity and technology to help our clients digitally reinvent their businesses.","action1":"IBM iX","link1":"https://www.ibm.com/consulting/ibmix","offer2":"IBM Application Services can help you deliver new applications, modernize your legacy applications, and balance the cost and complexity of your digital transformation. ","action2":"IBM Application Services","link2":"https://www.ibm.com/consulting/applications","offer3":"IBM can help organizations create smarter, more innovative customer experiences that build loyalty and trust.","action3":"IBM Consulting Customer Experience","link3":"https://www.ibm.com/smarter-business/customer-experience/","locale":"en-us","createdAt":"2019-09-05T10:18:08.057Z","updatedAt":"2023-12-13T19:23:40.566Z"},"assets":[]},{"id":24,"slug":"cxos-set-sights-traditional-targets","title":"C-suite executives set their sights back on traditional targets","subtitle":"Two years ago, a new phenomenon was dominating the minds of CxOs the world over. ","date":"2017-03-15T12:00:00.000Z","blurb":"Despite traditional industry boundaries continuing to erode in the face of digital disruption, CxOs are saying that future competition is more likely to come from within their own industry.\n","content":"\u003cp\u003eOne executive from the US transportation industry described it succinctly as: \u0026ldquo;The \u0026lsquo;Uber syndrome\u0026rsquo; \u0026mdash; where a competitor with a completely different business model enters your industry and flattens you.\u0026rdquo; Many other business leaders professed the same fear \u0026mdash; that new rivals from outside their industry could easily turn their companies into roadkill.\u003c/p\u003e\n\n\u003cp\u003eToday, the sentiment is moving in the opposite direction. Despite traditional industry boundaries continuing to erode in the face of digital disruption, CxOs are saying that future competition is more likely to come from \u003cem\u003ewithin\u003c/em\u003e their own industry.\u003c/p\u003e\n\n\u003cp style=\"text-align:center\"\u003e\u003cimg alt=\"C-suite executives now expect competition to come from within their own industries.\" height=\"677\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/d9dd0a1fd7084e3f923bdd4bcc325e12.png\" width=\"1201\" /\u003e\u003c/p\u003e\n\n\u003cp\u003eBusiness trends change constantly, and executives need to remain well-informed, well-prepared and extremely agile. That\u0026rsquo;s why the \u003ca href=\"https://www.ibm.com/ibv\" target=\"_blank\"\u003eIBM Institute for Business Value\u003c/a\u003e (IBV) created the \u003ca href=\"https://www.ibm.com/csuitestudy\" target=\"_blank\"\u003eGlobal C-suite Study program\u003c/a\u003e. We\u0026rsquo;ll publish the full set of results from our latest research in early 2018. But we don\u0026rsquo;t want executives to wait a year for information that could be vitally important to business today. Throughout 2017 we will release interesting \u0026mdash; and sometimes unexpected\u0026nbsp;\u0026mdash; insights through monthly blog posts and more detailed quarterly reports.\u003c/p\u003e\n\n\u003cp\u003eCxOs\u0026rsquo; shifting perspective on competition was the first major change that emerged as we compared new data to \u003ca href=\"https://www.ibm.com/csuitestudy\" target=\"_blank\"\u003e2015 findings\u003c/a\u003e. Then, CxOs said they were prioritizing the development of new markets and territories instead of trying to grow existing ones. And they were looking to external partners for sources of innovation rather than their own internal capabilities.\u003c/p\u003e\n\n\u003cp\u003eBy contrast, it seems that today\u0026rsquo;s CxOs are starting to get a grip on the threat of industry convergence. According to early data, which includes input from about 1,880 executives globally, CxOs are moving away from knee-jerk reactions. They are turning toward more methodical, considered approaches. They are carefully defining their go-to-market strategies while reassessing with whom they go to market. Instead of focusing on new, unproven markets in the search for growth, they\u0026rsquo;re looking to find a more even balance.\u003c/p\u003e\n\n\u003cp style=\"text-align:center\"\u003e\u003cimg alt=\"C-suite executives are seeking more balance between traditional and new markets.\" height=\"677\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/57e3e6447fc84ce6a1ed77d69935f9e6.png\" width=\"1201\" /\u003e\u003c/p\u003e\n\n\u003cp\u003eIn what might be an encouraging sign for research and development investment, executives say they expect more innovation to come from within their businesses in the near future. It\u0026rsquo;s unclear whether this shift in CxOs\u0026rsquo; mindsets is driven by internal financial and operational constraints, or reflects external factors such as increasing geopolitical uncertainty, the elimination of free-trade agreements or a tightening in the regulatory environment.\u003c/p\u003e\n\n\u003cp style=\"text-align:center\"\u003e\u003cimg alt=\"C-suite executives will seek to lessen their reliance on external partners for innovation.\" height=\"677\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/c4ceeabe0a4c488694f6f4d20015e4ce.png\" width=\"1201\" /\u003e\u003c/p\u003e\n\n\u003cp\u003eWhy did executives reverse their opinions so quickly? Was the threat from digital invaders overblown, or was it just a matter of time before industry incumbents began to reassert themselves? We\u0026rsquo;ll continue to explore business leaders\u0026rsquo; response to change in our future monthly insights and reports. Stay tuned!\u003c/p\u003e\n\n\u003cp\u003e\u003cem\u003eThis blog is the first in a series of monthly insights that highlight preliminary findings and emerging trends from our \u003ca href=\"https://www.ibm.com/csuitestudy\" target=\"_blank\"\u003e19th Global C-suite Study.\u003c/a\u003e The study is based on interviews with more than 10,000 CxOs.\u003c/em\u003e\u003c/p\u003e\n","approved":true,"image_alt":"","thumbnail_alt":"","hideRelatedBlogs":false,"createdAt":"2019-09-05T11:55:57.884Z","updatedAt":"2022-06-03T00:25:31.672Z","author":[{"id":347,"name":"Stephen Marshall","email":"stephenm@nz1.ibm.com","twitter":"","facebook":"","linkedin":"https://ae.linkedin.com/in/stephenmarshall","featured":false,"priority":0,"title":"Global C-suite Study Programme Manager, Asia-Pacific IBM Consulting ","image_alt":"","place_of_employment":"","bio":"","createdAt":"2019-08-28T22:03:04.415Z","updatedAt":"2022-07-11T23:17:15.499Z","image":null}],"image":{"id":6427,"name":"2de25a123bba4461a1a2e8641c4d579b.webp","alternativeText":null,"caption":null,"width":1440,"height":320,"formats":null,"hash":"2de25a123bba4461a1a2e8641c4d579b_798975982a","ext":".webp","mime":"image/webp","size":9.62,"url":"/thought-leadership/institute-business-value/uploads/en/2de25a123bba4461a1a2e8641c4d579b_798975982a","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:21:08.140Z","updatedAt":"2022-03-06T10:21:08.400Z"},"thumbnail":{"id":6464,"name":"4a759ea304344041bfff5170830c1b1a.webp","alternativeText":null,"caption":null,"width":381,"height":191,"formats":null,"hash":"4a759ea304344041bfff5170830c1b1a_85f633c119","ext":".webp","mime":"image/webp","size":6.92,"url":"/thought-leadership/institute-business-value/uploads/en/4a759ea304344041bfff5170830c1b1a_85f633c119","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:20:47.581Z","updatedAt":"2022-03-06T10:20:47.646Z"},"mlinks":{"id":19,"prompt":"Become a disrupter","offer1":"IBM can help you engage deeply with customers, and fuel agility, efficiency, and new revenue streams with insight.","action1":"Business Strategy and Design Services","link1":"https://www.ibm.com/consulting/business","offer2":"Digital Strategy and iX consulting services help you meet the challenges of the digital age with new business models, new expertise, and new ways to work.","action2":"Digital Reinvention","link2":"https://www.ibm.com/us-en/marketplace/digital-innovation-consulting","offer3":"Enterprise mobility services to help users seamlessly work across virtual, physical and connected environments.","action3":"Digital Workplace Services","link3":"https://www.ibm.com/consulting/digital-workplace","locale":"en-us","createdAt":"2018-12-04T09:39:58.959Z","updatedAt":"2022-08-12T03:57:46.843Z"},"assets":[]},{"id":39,"slug":"build-blockchain-strategy","title":"Build a blockchain strategy for your organization","subtitle":"Blockchain isn’t the tool of tomorrow; it’s the tool of today.","date":"2017-03-09T13:00:00.000Z","blurb":"Blockchain isn’t the tool of tomorrow; it’s the tool of today. Industries already are reimagining business models with this technology, and leading organizations have rolled out commercial blockchain solutions.\n","content":"\u003cp\u003eIndustries already are reimagining business models with this technology. Leading organizations have rolled out commercial blockchain solutions, and many others are following suit. Those who haven\u0026rsquo;t started investing in it risk falling behind their competitors.\u003c/p\u003e\n\n\u003cp style=\"text-align:center\"\u003e\u003cimg alt=\"Sixty-eight percent of surveyed organizations said they are likely to implement a commercial blockchain solution at scale in three years or less.\" height=\"433\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/bcb6a31898cc41a987c9971b9d560e2d.png\" width=\"768\" /\u003e\u003c/p\u003e\n\n\u003cp\u003eThe \u003ca href=\"http://ibm.com/ibv\" target=\"_blank\"\u003eIBM Institute for Business Value (IBV)\u003c/a\u003e is publishing \u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/technology/blockchain\" target=\"_blank\"\u003ea series of reports\u003c/a\u003e that explores how organizations in various industries are putting it to work. In partnership with the Economist Intelligence Unit, we surveyed more than 1,000 executives globally about their organizations\u0026rsquo; blockchain strategies. Businesses that already are investing in blockchains anticipate big returns. A group of first movers \u0026ndash; the Trailblazers \u0026ndash; indicated they would implement solutions at scale within a year. They believe blockchains will bring a variety of benefits, from time- and cost-savings to the potential for new business models.\u003c/p\u003e\n\n\u003cp\u003eA few key trends have begun to emerge:\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eOrganizations across industries say they plan to invest in a wide range of use cases by 2018\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eMore than 80 percent of all \u003ca href=\"https://www.ibm.com/downloads/cas/WJNPLNGZ\" target=\"_blank\"\u003egovernment executives\u003c/a\u003e surveyed say they are planning to invest in every business area by 2018. Investment patterns of \u003ca href=\"https://www.ibm.com/downloads/cas/AY1QE1PK\" target=\"_blank\"\u003efinancial markets firms\u003c/a\u003e surveyed revealed their priority is to solve problems created by new regulations. Blockchain early adopters may use these investments to determine where they can attain the greatest benefits at commercial scale.\u003c/p\u003e\n\n\u003cp style=\"text-align:center\"\u003e\u003cimg alt=\"Fifteen percent of organizations surveyed said they are likely to implement a commercial blockchain solution at scale in less than a year.\" height=\"433\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/0f78f30b07304096863aec2fc204c8a0.png\" width=\"768\" /\u003e\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eDifferent industries want to address different challenges\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eMany organizations see tremendous benefits in the reduction of cost, time and risk across business processes. But different industries are working to solve different challenges. \u003ca href=\"https://www.ibm.com/downloads/cas/G985VKKE\" target=\"_blank\"\u003eElectronics industry experts\u003c/a\u003e identified the growing complexity in supply chains and business networks as one of their greatest challenges. Blockchains potentially could address that through improved visibility. \u003ca href=\"https://www.ibm.com/downloads/cas/BBRQK3WY\" target=\"_blank\"\u003eHealthcare\u003c/a\u003e and government executives say they are primarily focused on using blockchains to resolve issues accessing trusted information across their network parties in a secure manner.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eCompanies expect to control who joins their blockchain network\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eIn fact, more than 80 percent of all executives surveyed indicated that they need to have some control over who could participate in their business networks. Organizations may recognize that they can benefit from blockchain initiatives only if the right parties with the correct permission are a part of blockchain networks.\u003c/p\u003e\n\n\u003cp\u003eOrganizations are moving from pilots and proof of concepts to larger implementations of blockchains, so we will continue to explore this progression. The IBV \u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/blog/blockchain-explorers-breaking-away-from-competition\" target=\"_blank\"\u003esurveyed more than 3,000 C-suite executives\u003c/a\u003e globally to learn how they view this technology. And we are talking to experts at IBM and in the marketplace about important blockchain functions, such as identity.\u003c/p\u003e\n\n\u003cp\u003eYou can find our \u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/report/blockchain\" target=\"_blank\"\u003eflagship study on blockchain\u003c/a\u003e and insights on how blockchain is revolutionizing \u003ca href=\"https://www.ibm.com/downloads/cas/JX9AM9MN\" target=\"_blank\"\u003etrade\u003c/a\u003e, \u003ca href=\"https://www.ibm.com/downloads/cas/PA8V4RMX\" target=\"_blank\"\u003ebanking\u003c/a\u003e, \u003ca href=\"https://www.ibm.com/downloads/cas/AY1QE1PK\" target=\"_blank\"\u003efinancial markets\u003c/a\u003e, \u003ca href=\"https://www.ibm.com/downloads/cas/BBRQK3WY\" target=\"_blank\"\u003ehealthcare\u003c/a\u003e, \u003ca href=\"https://www.ibm.com/downloads/cas/WJNPLNGZ\" target=\"_blank\"\u003egovernment\u003c/a\u003e, and \u003ca href=\"https://www.ibm.com/downloads/cas/G985VKKE\" target=\"_blank\"\u003eelectronics\u003c/a\u003e, in our \u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/technology/blockchain\" target=\"_blank\"\u003elibrary\u003c/a\u003e. Watch this blog for updates as additional reports become available.\u003c/p\u003e\n","approved":true,"image_alt":"Build a blockchain strategy for your organization","thumbnail_alt":"Build a blockchain strategy for your organization","hideRelatedBlogs":false,"createdAt":"2019-09-07T10:51:38.973Z","updatedAt":"2022-03-06T10:20:59.301Z","author":[{"id":10,"name":"Veena Pureswaran","email":"vpures@us.ibm.com","twitter":"","facebook":"","linkedin":"https://www.linkedin.com/in/veenapureswaran/","featured":false,"priority":0,"title":"Research Director, Quantum Computing and Emerging Technologies, IBM Institute for Business Value","image_alt":"","place_of_employment":"","bio":"","createdAt":"2018-12-01T12:32:51.787Z","updatedAt":"2023-06-12T22:12:19.397Z","image":null}],"image":{"id":6855,"name":"83a27d0c054c4e06beeb686b885e60a9.webp","alternativeText":null,"caption":null,"width":1441,"height":321,"formats":null,"hash":"83a27d0c054c4e06beeb686b885e60a9_228e0e9cdf","ext":".webp","mime":"image/webp","size":4,"url":"/thought-leadership/institute-business-value/uploads/en/83a27d0c054c4e06beeb686b885e60a9_228e0e9cdf","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:20:59.233Z","updatedAt":"2022-03-06T10:20:59.288Z"},"thumbnail":{"id":6910,"name":"0574a8cfc1c14bcdb5f9e801327c2dc9.webp","alternativeText":null,"caption":null,"width":300,"height":150,"formats":null,"hash":"0574a8cfc1c14bcdb5f9e801327c2dc9_edb79106c1","ext":".webp","mime":"image/webp","size":1.44,"url":"/thought-leadership/institute-business-value/uploads/en/0574a8cfc1c14bcdb5f9e801327c2dc9_edb79106c1","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:20:50.718Z","updatedAt":"2022-03-06T10:20:50.780Z"},"mlinks":{"id":93,"prompt":"csuite-blockchain","offer1":"To start your blockchain journey, IBM can help you focus on business outcomes, prioritize use cases and develop a minimum viable product (MVP).","action1":"Learn more about IBM Blockchain consulting services","link1":"https://www.ibm.com/consulting/blockchain","offer2":"From frictionless supply chains to food we can really trust, learn how industries are revolutionizing business with IBM Blockchain.","action2":"Learn more about IBM Blockchain solutions","link2":"https://www.ibm.com/consulting/blockchain","offer3":null,"action3":null,"link3":null,"locale":"en-us","createdAt":"2019-08-30T05:16:06.178Z","updatedAt":"2023-12-13T17:44:21.789Z"},"assets":[]},{"id":71,"slug":"digital-difference","title":"The digital difference: Digitally transformed utilities deliver better performance and increased efficiency","subtitle":null,"date":null,"blurb":"While many traditional utilities focus on the challenges and difficulties, industry leaders are creating new businesses around market opportunities.\n","content":"\u003cp\u003eUtilities around the world are developing new strategies in response to tectonic shifts in the industry. While many traditional utilities focus on the challenges and difficulties, industry leaders are creating new businesses around market opportunities. One of the key areas of transformation is the digitization of electric utilities\u0026rsquo; business.\u003c/p\u003e\n\n\u003cp\u003eThis is exemplified by the next generation of \u003ca href=\"https://www.ibm.com/industries/energy/solutions/smart-metering\" target=\"_blank\"\u003esmart metering\u003c/a\u003e, which integrates new capabilities in Internet of Things (IoT), and remote sensoring with advanced analytics and AI. These capabilities enable the accelerating expansion of distributed energy resources. What\u0026rsquo;s more, they enable the creation of new virtual power plants that are changing the business model of electric utilities.\u003c/p\u003e\n\n\u003cblockquote\u003e\n\u003cp\u003eDigital capabilities enable the creation of new virtual power plants that are changing the business model of electric utilities.\u003c/p\u003e\n\u003c/blockquote\u003e\n\n\u003cp\u003eThe IBM Institute for Business Value (IBV) report\u003cem\u003e\u0026nbsp;\u003c/em\u003e\u0026ldquo;\u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/report/digitize-electric-utilities\" target=\"_blank\"\u003eDigitizing electric utilities: Core Performers power up reliability and resiliency\u003c/a\u003e\u0026rdquo; explores the actions underway to reposition electric utilities to meet current demands and to anticipate evolving future demands. I found insights into the current and future use of exponential technologies particularly revelatory, especially as they accelerate adoption in areas critical to network resilience and safety.\u003c/p\u003e\n\n\u003cp\u003eExecutives surveyed from 240 utilities identified areas of challenge and opportunity. They discussed their adoption and application of new technologies, data, and insights. They confirmed the well-known challenges arising from the \u0026ldquo;4 Ds\u0026rdquo; (decarbonization, decentralization, democratization, and digitization), while sharing insights into their strategies. Importantly, these leaders also described their next steps to reposition their companies and networks for the Energy Transition.\u003c/p\u003e\n\n\u003cp\u003eI found responses around the sense of urgency of transmission and distribution (T\u0026amp;D) leaders to be particularly relevant. About half (47%) recognize the need to modify elements of their existing business models. A clear majority (66%) feel moderate or significant pressure to digitally reinvent their operations over the next 5 years.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eStrategic digital capabilities for utilities\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eIndustry leaders among those surveyed\u0026mdash;identified as \u0026ldquo;Core Performers\u0026rdquo; in the report\u0026mdash;are pursuing specific strategies and roadmaps to create deep digital capabilities for their operations and workforce. Their roadmaps show 3 areas of strategic focus:\u003c/p\u003e\n\n\u003col\u003e\n\t\u003cli\u003eDigitizing assets. Creating a stable, resilient digital core as a foundation for upgrading IT and OT systems and processes.\u003c/li\u003e\n\t\u003cli\u003eDigitizing workflows. Creating intelligent workflows by integrating advanced digital capabilities (such as IoT, AI, and automation) to improve customer service, efficiency, and workplace safety.\u003c/li\u003e\n\t\u003cli\u003e\u003ca href=\"https://www.ibm.com/industries/energy/predictive-asset-management-utilities\" target=\"_blank\"\u003eDigitizing grid operations\u003c/a\u003e. Using advanced technologies to maintain resilience and security while distributed generation resources are integrated.\u003c/li\u003e\n\u003c/ol\u003e\n\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\n\n\u003cp\u003e\u003cimg alt=\"Three deployment patterns\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/T3b_Vp_T_hlj5n_PZ_6_RMK_Pr_S9_Uv_08f0fcd4fa\" style=\"height:421px; width:750px\" /\u003e\u003c/p\u003e\n\n\u003cp\u003eFundamental to the successful execution of these strategic priorities is the seamless integration of advanced digital technologies across all domains in the enterprise. In other words, it requires breaking down the siloes between IT and OT systems, processes, and data. These game-changing digital capabilities, including AI, IoT, and cybersecurity, must be considered strategic, enterprisewide assets and embedded consistently across all solutions. Transformative value is created by applying advanced analytics and AI, and by identifying opportunities across all corporate data.\u0026nbsp;\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eAI moves from single points to integrated processes\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eT\u0026amp;D utility leaders are already leveraging AI-enabled decision making in customer operations, growing from 36% today to 48% in 3 years. While that\u0026rsquo;s impressive, even greater growth is planned in work and asset optimization. Executives tell us they expect cognitive and prescriptive analytics usage to double from 20% today to 42% of participants in 3 years. AI in asset predictive quality management delivers significant efficiencies, and this use case is expected to increase from 27% today to 41% in 3 years. Injecting intelligence into asset monitoring and maintenance delivers leaner, more efficient, and resilient operations.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eExpansion of IoT network\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eIoT technologies (including next-generation smart meters) will become embedded, integral components of the T\u0026amp;D network. The exponential increase in the quantity of data generated will be more significant than the number of edge devices. T\u0026amp;D leaders will require novel solutions for using active data: collection, communication, storage, sharing, and analysis. Part of the solution will be hybrid cloud architectures that enable seamless and secure management, including data sharing. It\u0026rsquo;s part of a broader trend: 50% of respondents expect all T\u0026amp;D applications to move to the cloud in 3 years.\u003c/p\u003e\n\n\u003cp\u003eSuch transformation exerts pressures on the entire organization and its systems: existing IT/OT architectures, the integration of information across business units, and the available skills to formulate recommendations from the data. Coordinating and optimizing for people + technology equals the only winning answer for integrating these domains and accelerating transformation.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eBuilding cyber resilience\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eCrucially important, the security and control of the new networks and data, and the creation of enterprisewide cyber resilience, is a key area of focus for utilities.\u003c/p\u003e\n\n\u003cp\u003eIs enough being done to protect traditional and digitized assets, networks, and data from cybersecurity threats? 2019 alone saw a 2,000% increase in OT-targeting incidents. The 2021 cyberattack on the Colonial Pipeline made headlines, but every utility is battling threats on a daily basis.\u003cbr /\u003e\n\u003cbr /\u003e\nAbout half of surveyed T\u0026amp;D utilities note that they are delaying integration of cloud solutions due to concerns with cybersecurity. Our research shows that only 41% are actually employing cyber resilience tools as well. Thankfully, respondents tell us that number is expected to grow, with the largest area of investment growth outside of distributed energy resources (DERs) and renewables in the next 3 years.\u003c/p\u003e\n\n\u003cp\u003eThe definition of resilience must expand to include cyber resilience: a utility company\u0026rsquo;s ability to prevent, detect, contain, and recover from a myriad of serious threats against data, applications, and IT infrastructure.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eIntelligent meters drive IT/OT integration\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eMuch of the increased intelligence from across enterprises comes by combining operational data with customer or asset data. This enables actions and operational workflows that can create value and decrease risk.\u003c/p\u003e\n\n\u003cp\u003eOne crucial value-generating area is next-generation smart metering. Pricing is the first beneficiary of advanced metering programs. These programs include consumption-related and/or network congestion pricing, green energy credits, and flexible tariffs based on whole pricing and bill smoothing.\u003c/p\u003e\n\n\u003cp\u003eBut advanced metering isn\u0026rsquo;t the only area that can benefit\u0026mdash;others include enabling better decisions in home automation, supporting load management and disaggregation for EV programs and appliances, and analytics driving grid optimization at the edge. As more distributed energy and electric vehicles join the systems, smart meters will continue to play a key role in the infrastructure.\u003c/p\u003e\n\n\u003cp\u003eAdvanced metering infrastructures will be most effective on a digital backbone including cloud and AI that can quickly harvest data, analyze it, and act on the resulting insights. Through our work with multiple utilities, we\u0026rsquo;ve observed that a well-defined \u003cem\u003einternal architecture\u003c/em\u003e of their data across multiple cloud environments is a critical\u0026mdash;but often lagging\u0026mdash;step to create value from historical data and real-time situational information. Their experiences validate the mantra \u0026ldquo;There is no AI without IA.\u0026rdquo;\u003c/p\u003e\n\n\u003cp\u003eUtility industry leaders understand they need a secure, flexible, digital core underpinning their transformation. The results of our research can help executives get focused.\u003c/p\u003e\n\n\u003cp\u003e\u003ca href=\"https://www.ibm.com/thought-leadership/institute-business-value/report/digitize-electric-utilities\" target=\"_blank\"\u003eDownload the complete report here\u003c/a\u003e.\u003c/p\u003e\n","approved":true,"image_alt":null,"thumbnail_alt":null,"hideRelatedBlogs":false,"createdAt":"2021-07-30T22:07:09.364Z","updatedAt":"2022-03-06T10:21:14.121Z","author":[{"id":748,"name":"Francis Puglise","email":"fjpuglise@us.ibm.com","twitter":"","facebook":"","linkedin":"https://www.linkedin.com/in/francis-puglise-96640a3/","featured":false,"priority":0,"title":"Partner, IBM Consulting, Global Center of Competency for Energy, Environment \u0026 Utilities, IBM","image_alt":"Francis Puglise","place_of_employment":"","bio":"","createdAt":"2021-07-30T23:03:52.921Z","updatedAt":"2023-01-26T21:39:10.834Z","image":{"id":3696,"name":"francisP.jpg","alternativeText":null,"caption":null,"width":511,"height":511,"formats":null,"hash":"francis_P_94fe2e004e","ext":".jpg","mime":"image/jpeg","size":34.33,"url":"/thought-leadership/institute-business-value/uploads/en/francis_P_94fe2e004e","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2021-07-30T23:25:59.373Z","updatedAt":"2021-07-30T23:25:59.454Z"}}],"image":{"id":7174,"name":"eeu_dd_blog_ls_5e517e8d0d.webp","alternativeText":null,"caption":null,"width":2000,"height":500,"formats":null,"hash":"eeu_dd_blog_ls_5e517e8d0d_256b874935","ext":".webp","mime":"image/webp","size":26.24,"url":"/thought-leadership/institute-business-value/uploads/en/eeu_dd_blog_ls_5e517e8d0d_256b874935","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:21:14.000Z","updatedAt":"2022-03-06T10:21:14.103Z"},"thumbnail":{"id":6295,"name":"eeu_dd_blog_tn_00ddc7ab89.webp","alternativeText":null,"caption":null,"width":729,"height":359,"formats":null,"hash":"eeu_dd_blog_tn_00ddc7ab89_0336ea927c","ext":".webp","mime":"image/webp","size":12.42,"url":"/thought-leadership/institute-business-value/uploads/en/eeu_dd_blog_tn_00ddc7ab89_0336ea927c","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:20:48.495Z","updatedAt":"2022-03-06T10:20:48.525Z"},"mlinks":null,"assets":[]},{"id":73,"slug":"clean-electrification-utility","title":"Clean electrification will power the planet: Is your utility ready?","subtitle":"","date":null,"blurb":"To be successful, sustainability initiatives must produce real results.\n","content":"\u003cp\u003eAround the world, citizens, scientists, and governments are demanding increased action to protect our planet. But the groundswell of environmental awareness isn\u0026rsquo;t enough. To be successful, sustainability initiatives must produce real results.\u003c/p\u003e\n\n\u003cp\u003eMoving from fossil fuels to clean electricity is an important place to start. Heating and cooling homes and businesses, fueling transportation, and powering manufacturing are just a few of the many opportunities that exist for clean electrification. Yet, there is no common definition of \u0026ldquo;clean electrification,\u0026rdquo; and no agreed-upon standards for achieving it.\u003c/p\u003e\n\n\u003cp\u003eFor utilities trying to understand how well their organization is doing, that makes it difficult to set goals and track progress. To move the needle on clean energy, executives must focus on resilience, reliability, and safety while also understanding a multitude of new technologies. And they must do so while continuing to deliver services that are responsive to stakeholders at the lowest possible rates.\u003c/p\u003e\n\n\u003cp\u003eTo help leaders evaluate their utility\u0026rsquo;s progress on the path to clean electrification, IBM, in partnership with a global team of energy and sustainability experts, has worked with the \u003ca href=\"https://www.apqc.org/what-we-do/benchmarking/assessment-survey/clean-electrification-maturity-assessment-tool\" target=\"_blank\"\u003eAmerican Productivity and Quality Center (APQC)\u003c/a\u003e, the world leader in open standards benchmarking, to create the Clean Electrification Maturity Model (CEMM). This open-standards model for clean electrification includes 200 organizational attributes across 8 domain competencies: market innovation, strategy and leadership, organization and culture, technology, sustainability, grid operations, work and asset management, and customer experience.\u003c/p\u003e\n\n\u003cp\u003e\u003cimg alt=\"Clean electrification maturity model\" src=\"https://s3.us-south.cloud-object-storage.appdomain.cloud/ibv/9_GL_6_Ehju5d_QQ_9kf_RZ_Xne_VRZH_aaabe0c1a2\" style=\"height:254px; width:600px\" /\u003e\u003c/p\u003e\n\n\u003cp\u003eThe CEMM helps electric utilities assess their organizational maturity relative to new and emerging competencies by encouraging them to ask the following key questions:\u003c/p\u003e\n\n\u003cul\u003e\n\t\u003cli\u003eHow advanced is your utility\u0026rsquo;s approach to securing assets or balancing distributed energy resources?\u003c/li\u003e\n\t\u003cli\u003eHow deep are your utility\u0026rsquo;s skills in creating a digital base layer to improve industry transformation, or in terms of automating services?\u003c/li\u003e\n\t\u003cli\u003eHow far along is your utility in creating new go-to-market approaches?\u003c/li\u003e\n\u003c/ul\u003e\n\n\u003cp\u003eIn years past, legislation was the primary driver of electrification. Now, it\u0026rsquo;s technology, suggests new research from the IBM Institute for Business Value (IBV). According to IBV data, more than half of utility and industry executives (56%) say technology that makes it easier to harness green alternatives is driving change,\u003cstrong\u003e \u003c/strong\u003ecompared to 54% who attribute change to regulatory powers. In the energy sector, technology is a growing force for positive change.\u003c/p\u003e\n\n\u003cp\u003eAnother related driver of electrification is innovation, as utilities everywhere are experiencing challenges to their business models. In response to those challenges, technologies such as artificial intelligence (AI) and big data analytics are enabling new ecosystems through which to better coordinate distributed energy resources, simulate grid control, manage risk, and improve contingency planning. Outcomes include new offerings for smart cities, expansion of clean e-mobility alternatives, and vastly increased choices for customers.\u003c/p\u003e\n\n\u003cp\u003eBecause we believe the move toward clean electrification is critical, IBM has made the CEMM available to any network utility that wants to perform self-assessments and leverage the results for its own strategic planning. Many utility executives will recall the Smart Grid Maturity Model that IBM experts developed in 2008 with partners Carnegie Mellon University and APQC. The CEMM isn\u0026rsquo;t just a refresh of prior maturity models. Rather, it\u0026rsquo;s a reinvention that addresses the challenges and opportunities that new technologies and capabilities create.\u003c/p\u003e\n\n\u003cp\u003eChange is needed, and IBM wants to help utilities make the smartest decisions possible while defining their own paths forward. The CEMM is just the beginning. \u003ca href=\"https://www.apqc.org/what-we-do/benchmarking/assessment-survey/clean-electrification-maturity-assessment-tool\" target=\"_blank\"\u003eLearn more\u003c/a\u003e about receiving a custom Clean Electrification Maturity Model assessment for your utility, or contact APQC at\u003ca href=\"mailto:CEMM@apqc.org\"\u003e CEMM@apqc.org\u003c/a\u003e to get started.\u003c/p\u003e\n","approved":true,"image_alt":"Clean electrification will power the planet","thumbnail_alt":"Clean electrification will power the planet","hideRelatedBlogs":false,"createdAt":"2021-11-23T06:00:57.980Z","updatedAt":"2023-01-26T21:39:10.911Z","author":[{"id":748,"name":"Francis Puglise","email":"fjpuglise@us.ibm.com","twitter":"","facebook":"","linkedin":"https://www.linkedin.com/in/francis-puglise-96640a3/","featured":false,"priority":0,"title":"Partner, IBM Consulting, Global Center of Competency for Energy, Environment \u0026 Utilities, IBM","image_alt":"Francis Puglise","place_of_employment":"","bio":"","createdAt":"2021-07-30T23:03:52.921Z","updatedAt":"2023-01-26T21:39:10.834Z","image":{"id":3696,"name":"francisP.jpg","alternativeText":null,"caption":null,"width":511,"height":511,"formats":null,"hash":"francis_P_94fe2e004e","ext":".jpg","mime":"image/jpeg","size":34.33,"url":"/thought-leadership/institute-business-value/uploads/en/francis_P_94fe2e004e","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2021-07-30T23:25:59.373Z","updatedAt":"2021-07-30T23:25:59.454Z"}}],"image":{"id":6923,"name":"1000_blog_banner_03257e2add.webp","alternativeText":null,"caption":null,"width":2000,"height":500,"formats":null,"hash":"1000_blog_banner_03257e2add_be12284af4","ext":".webp","mime":"image/webp","size":84.87,"url":"/thought-leadership/institute-business-value/uploads/en/1000_blog_banner_03257e2add_be12284af4","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:21:01.905Z","updatedAt":"2022-03-06T10:21:01.933Z"},"thumbnail":{"id":6252,"name":"1000_blog_tn_0706e8b08a.webp","alternativeText":null,"caption":null,"width":729,"height":359,"formats":null,"hash":"1000_blog_tn_0706e8b08a_8782fb3f13","ext":".webp","mime":"image/webp","size":23.03,"url":"/thought-leadership/institute-business-value/uploads/en/1000_blog_tn_0706e8b08a_8782fb3f13","previewUrl":null,"provider":"ibm-object-storage","provider_metadata":null,"createdAt":"2022-03-06T10:20:52.867Z","updatedAt":"2022-03-06T10:20:52.916Z"},"mlinks":null,"assets":[]}],"meta":{"title":"Research-driven insights to boost your business IQ.","description":"The IBM Institute for Business Value uses data-driven research and expert analysis to deliver thought-provoking insights to leaders on the emerging trends that will determine future success.","imageUrl":"/thought-leadership/institute-business-value/public/static/images/blog_home_header_img.webp"},"locale":"en-us"},"propsLocale":"en-us","__N_SSP":true},"page":"/thought-leadership/institute-business-value/blog/home","query":{},"buildId":"oPm6xAToVrkMyxRhCDWx_","assetPrefix":"https://www.ibm.com/thought-leadership/institute-business-value","isFallback":false,"isExperimentalCompile":false,"gssp":true,"appGip":true,"scriptLoader":[]}</script><script src="https://unpkg.com/jquery@3.5.1/dist/jquery.min.js" integrity="sha384-ZvpUoO/+PpLXR1lu4jmpXWu80pZlYUAfxl5NsBMWOEPSjUn/6Z/hRTt8+pR6L4N2" crossorigin="anonymous"></script><script src="https://stackpath.bootstrapcdn.com/bootstrap/4.5.0/js/bootstrap.min.js" integrity="sha384-OgVRvuATP1z7JjHLkuOU7Xw704+h835Lr+6QL9UvYjZE3Ipu6Tp75j7Bh/kR0JKI" crossorigin="anonymous" async=""></script><script type="text/javascript" src="/wFMLQjOq7Suq/My4Jcp/22I91s/za1hpG0NbzLzEcEO/ZR4HPEILAQ/Sy4kWkA2/Imk"></script><link rel="stylesheet" type="text/css" href="/wFMLQjOq7Suq/My4Jcp/22I91s/wz1h1t/K1F0O0ILAQ/KXkyVH1B/I15X"> <script src="/wFMLQjOq7Suq/My4Jcp/22I91s/wz1h1t/K1F0O0ILAQ/HXh8BTwk/HRQp" async defer></script> <div id="sec-overlay" style="display:none;"> <div id="sec-container"> </div> </div></body></html>