Emerging TechnologiesAASCIF IT Committee

Emerging TechnologiesCloud ComputingSoftware as a ServiceMobile Apps

What is Cloud What is Cloud Computing?Computing?• Simply stated: Cloud = Internet

• So…Cloud Computing = Internet-based Computing

• More precisely, Cloud computing is: ▫ using information technology as a service.

▫ having services that are available over a network.

▫ using encapsulated services that have an API.

▫ adding to the efficiency for deploying applications.

▫ billing by consumption.

Cloud Service Cloud Service ModelsModels•Solutions range in category from course

to fine grained, with the potential for course-grained solutions to be made up of fine-grained resources.▫ *Software as a Service (SaaS)▫ *Platform as a Service (PaaS)▫ *Infrastructure as a Service (IaaS)▫ Storage as a Service (SaaS)▫ Database as a Service (DaaS)

Cloud Offerings by Cloud Offerings by ServiceService

Software as a Service (SaaS)Facebook, SalesForce.com, Gmail

Platform as a Service (PaaS)Google App Engine, Microsoft Azure

Infrastructure as a Service (IaaS)

3Tier, Amazon EC2, Rackspace, GoGRID

Software as a Service (SaaS)Facebook, SalesForce.com, Gmail

Platform as a Service (PaaS)Google App Engine, Microsoft Azure

Infrastructure as a Service (IaaS)

3Tier, Amazon EC2, Rackspace, GoGRID

More Structured

LessStructured

LessControl

MoreControl

Cloud Delivery Cloud Delivery ModelsModels•Private

▫Uses cloud technologies to expose services across a private enterprise.

•Public▫All information access is housed in the

public domain.•Hybrid

▫A combination of public and private services.

Cloud Cloud Concerns/IssuesConcerns/Issues•Security - #1 concern•Availability (mission critical vs. not)•Compliance•Price•Training•User Experience (UI design, Speed)•Data Ownership

Some Cloud MythsSome Cloud Myths•One single “Cloud”•All that is needed is a credit card•Reduces workload•Seamless integration (datacenter to

public)•Always saves money•Provider can guarantee security

Software as a Service Software as a Service (SaaS)(SaaS)• SaaS is the delivery of an application over the

Internet, usually accessed through a browser.

• Aka: web-based software, on-demand software or hosted software.

• Multitenant Architecture, Easy Customization, Better Access

• SaaS Integration Platform (SIP) - 3rd wave in software adoption.

Benefits of SaaSBenefits of SaaS•Lower entry cost.

▫No upfront investment in servers.▫No software licensing.▫No software updates for customers.

•Global availability.•High Adoption.•Ease IT pain.•One application to maintain for providers.

SaaS AdoptionSaaS Adoption

• "Although SaaS will keep gaining ground in CRM and HR applications, SaaS will also pick up considerable momentum in online backup, Web conferencing, collaboration, and IT systems management.”

Forrester, March 2009

What’s being offered as What’s being offered as SaaS?SaaS?• Billing• CRM• Collaboration• Content Management• Document Management• ERP• Financials• Health and Wellness• Personal Productivity• Project Management• Sales• Security

SaaS Adoption ConcernsSaaS Adoption Concerns

SaaS Implementation SaaS Implementation StrategyStrategy•Select the provider•Sign Contract•Detailed Exit Strategy•Manage Relationship•Contingency Plan•Interoperability•IT’s Role•Executive Support•Align to Company Objectives

IaaS Vendor IaaS Vendor ComparisonsComparisons

Ways we are using the cloud Ways we are using the cloud servicesservices•Mash-ups

▫Effectively mesh with on-site architecture.•Utility API’s

▫Virtual Servers and Storage, accessed on demand.

•Web Service Calls▫Google Maps, ADP payroll, U.S. Postal

•Managed Services▫Exposed to IT and not the users.

TakeawaysTakeaways•Expectation that Cloud Computing will be

the wave of the future.•Security remains a concern and an

attractive target for hackers.•There remains a need for standards across

vendors.•Promise of cost savings along with

scalability and availability.•Only time will help with vetting and

acceptance.

Case StudiesCase Studies• IWIF

▫Data Mining – Policy and Claims▫Correspondence (Cedar)▫Agency Port▫Helpdesk Application

Mobile Apps

110% Growth Last 110% Growth Last YearYear

2007 2008 2009 2010

Mobile Web Usage

Still only a tiny slice of the Still only a tiny slice of the wholewhole

Customer Customer RequirementRequirement

Or Pure Marketing?Or Pure Marketing?

Technology Adoption Technology Adoption TrendsTrends

Cloud Computing in Cloud Computing in BankingBanking

Mobile Banking Mobile Banking Customers Growing Customers Growing

FastFast

Personal Auto Apps for Personal Auto Apps for iPhones are a common iPhones are a common

starting point in Insurancestarting point in Insurance

iPhone Other Mobile Platform

Pers

onal A

uto

Oth

er

Pro

duct

s

GeicoGeico NationwideNationwide

State FarmState Farm iWreckediWrecked

HighmarkHighmark

GeicoGeico American FamilyAmerican Family

ProgressiveProgressive

Here are just a few of the things you can do with the Progressive App on iPhone, Blackberry, Android:

1.Log in to your policy 2.Make a payment, using billing information stored in your progressive.com account. 3.Find a local agent to help you shop for an insurance policy. 4.Report an accident to Progressive, and locate a Service Center.5.Find a local Service Center 6.Track your claim 7.Get vehicle information, such as cost-to-insure ratings, recalls, and crash test ratings 8.Estimate your budget and monthly loan payment using car shopping calculators.9. Watch our commercials anytime with on-demand viewing.

Example:Example: ProgressiveProgressive

Highmark BCBS Rolls Out iPhone App. Plan members can

1.Find participating medical facilities (hospitals or urgent care)2.Find participating health care providers (doctors or clinics)3.Find pharmacies4.Use GPS to limit searches to nearby services5.Use phone integration to initiate the contact6.Research health topics by topic or symptoms7.Delivered via iTunes

Use ADAM as a source of online information and technology vendor to help create the application.

Example:Example: HighmarkHighmark

• Missouri Employers Mutual▫CRM

Status: Implemented Oracle on Demand

▫E-mail and Office Productivity Gmail and Google Apps Status:

Gmail: Research complete, business case in process Google Apps: Concept assessment

Customer Relationship Management at MEM

Oracle on Demand Oracle on Demand ImplementedImplemented

General Market Players Special Market Players

•Oracle on Demand• salesforce.com

•BlueRoads•ClickCommerce

Drivers for a Cloud SolutionDrivers for a Cloud Solution

•Shorten time to market•Outcomes understood but requirements

to get there were nebulous•Size of deployment would be based on

achievement of outcomes•Variable vs. fixed expenses

Live since 2008Live since 2008

•78 internal users active on the system•Tracking all agency interactions including

prospecting•Calendaring and scheduling•Interfacing with policy management and

billing•Users consider it a success!•Little demand on Information Services

efforts

E-mail and Office Productivity Research at MEM

68% expect to change 68% expect to change in-house e-mail delivery, in-house e-mail delivery,

their reasons…their reasons…

Source: Forrester Research

What method will they What method will they consider?consider?

Source: Forrester Research

Multiple answers allowed by respondents

Smaller the firm,Smaller the firm, larger the larger the benefitbenefit

Cost per mailboxCost per mailbox

Source: Forrester Research

Options Under Review…Options Under Review…

•In-house Microsoft Exchange

•Hosted Microsoft Exchange

•Google Solution

Discussion…Discussion…

•Who is using cloud computing?•Do you agree with the concerns?•What major challenges did you or do you

see?•Who is working with Mobile Apps?

•Other questions or concerns?