This open access Pivot demonstrates how a variety of technologies act as innovation catalysts within the banking and financial services sector. Traditional banks and financial services are under increasing competition from global IT companies such as Google, Apple, Amazon and PayPal whilst facing pressure from investors to reduce costs, increase agility and improve customer retention. Technologies such as blockchain, cloud computing, mobile technologies, big data analytics and social media therefore have perhaps more potential in this industry and area of business than any other. This book defines a fintech ecosystem for the 21st century, providing a state-of-the art review of current literature, suggesting avenues for new research and offering perspectives from business, technology and industry.

The emergence of the Internet of Things (IoT), combined with greater heterogeneity not only online in cloud computing architectures but across the cloud-to-edge continuum, is introducing new challenges for managing applications and infrastructure across this continuum. The scale and complexity is simply so complex that it is no longer realistic for IT teams to manually foresee the potential issues and manage the dynamism and dependencies across an increasing inter-dependent chain of service provision. This Open Access Pivot explores these challenges and offers a solution for the intelligent and reliable management of physical infrastructure and the optimal placement of applications for the provision of services on distributed clouds. This book provides a conceptual reference model for reliable capacity provisioning for distributed clouds and discusses how data analytics and machine learning, application and infrastructure optimization, and simulation can deliver qualityof service requirements cost-efficiently in this complex feature space. These are illustrated through a series of case studies in cloud computing, telecommunications, big data analytics, and smart cities.

The Internet of Things offers massive societal and economic opportunities while at the same time significant challenges, not least the delivery and management of the technical infrastructure underpinning it, the deluge of data generated from it, ensuring privacy and security, and capturing value from it.This Open Access Pivot explores these challenges, presenting the state of the art and future directions for research but also frameworks for making sense of this complex area. This book provides a variety of perspectives on how technology innovations such as fog, edge and dew computing, 5G networks, and distributed intelligence are making us rethink conventional cloud computing to support the Internet of Things. Much of this book focuses on technical aspects of the Internet of Things, however, clear methodologies for mapping the business value of the Internet of Things are still missing. We provide a valuemapping framework for the Internet of Things to address this gap. While there is much hype about theInternet of Things, we have yet to reach the tipping point. As such, this book provides a timely entrée for higher education educators, researchers and students, industry and policy makers on the technologies that promise to reshape how society interacts and operates.

The importance of demonstrating the value achieved from IT investments is long established in the Computer Science (CS) and Information Systems (IS) literature. However, emerging technologies such as the ever-changing complex area of cloud computing present new challenges and opportunities for demonstrating how IT investments lead to business value. Recent reviews of extant literature highlights the need for multi-disciplinary research. This research should explore and further develops the conceptualization of value in cloud computing research. In addition, there is a need for research which investigates how IT value manifests itself across the chain of service provision and in inter-organizational scenarios.This open access book will review the state of the art from an IS, Computer Science and Accounting perspective, will introduce and discuss the main techniques for measuring business value for cloud computing in a variety of scenarios, and illustrate these with mini-case studies.

This open access Pivot demonstrates how a variety of technologies act as innovation catalysts within the banking and financial services sector. Traditional banks and financial services are under increasing competition from global IT companies such as Google, Apple, Amazon and PayPal whilst facing pressure from investors to reduce costs, increase agility and improve customer retention. Technologies such as blockchain, cloud computing, mobile technologies, big data analytics and social media therefore have perhaps more potential in this industry and area of business than any other. This book defines a fintech ecosystem for the 21st century, providing a state-of-the art review of current literature, suggesting avenues for new research and offering perspectives from business, technology and industry.

The emergence of the Internet of Things (IoT), combined with greater heterogeneity not only online in cloud computing architectures but across the cloud-to-edge continuum, is introducing new challenges for managing applications and infrastructure across this continuum. The scale and complexity is simply so complex that it is no longer realistic for IT teams to manually foresee the potential issues and manage the dynamism and dependencies across an increasing inter-dependent chain of service provision. This Open Access Pivot explores these challenges and offers a solution for the intelligent and reliable management of physical infrastructure and the optimal placement of applications for the provision of services on distributed clouds. This book provides a conceptual reference model for reliable capacity provisioning for distributed clouds and discusses how data analytics and machine learning, application and infrastructure optimization, and simulation can deliver qualityof service requirements cost-efficiently in this complex feature space. These are illustrated through a series of case studies in cloud computing, telecommunications, big data analytics, and smart cities.

The Internet of Things offers massive societal and economic opportunities while at the same time significant challenges, not least the delivery and management of the technical infrastructure underpinning it, the deluge of data generated from it, ensuring privacy and security, and capturing value from it.This Open Access Pivot explores these challenges, presenting the state of the art and future directions for research but also frameworks for making sense of this complex area. This book provides a variety of perspectives on how technology innovations such as fog, edge and dew computing, 5G networks, and distributed intelligence are making us rethink conventional cloud computing to support the Internet of Things. Much of this book focuses on technical aspects of the Internet of Things, however, clear methodologies for mapping the business value of the Internet of Things are still missing. We provide a valuemapping framework for the Internet of Things to address this gap. While there is much hype about theInternet of Things, we have yet to reach the tipping point. As such, this book provides a timely entrée for higher education educators, researchers and students, industry and policy makers on the technologies that promise to reshape how society interacts and operates.

The importance of demonstrating the value achieved from IT investments is long established in the Computer Science (CS) and Information Systems (IS) literature. However, emerging technologies such as the ever-changing complex area of cloud computing present new challenges and opportunities for demonstrating how IT investments lead to business value. Recent reviews of extant literature highlights the need for multi-disciplinary research. This research should explore and further develops the conceptualization of value in cloud computing research. In addition, there is a need for research which investigates how IT value manifests itself across the chain of service provision and in inter-organizational scenarios.This open access book will review the state of the art from an IS, Computer Science and Accounting perspective, will introduce and discuss the main techniques for measuring business value for cloud computing in a variety of scenarios, and illustrate these with mini-case studies.