Kill APIs if we want Open Finance

Over the past years we have seen PSD2 come into force, we have had Open Banking (and the OBIE) both with the aim of bringing a world of APIs to banking, the desired goal, to enable third parties to gain access to banking to enable them to provide better customer experiences and choice. However, as the OBIE is being wound down, we are starting to look to the next governing body to help define API standards and ensure infrastructure resilience while also playing with the concept of Open Finance.

While Open Banking may not have proven to bring mass adoption with it by end customers, it has at least shown that there are other ways of doing things, more modern approaches. There are some great solutions now being brought to the market which are only possible because of Open Banking APIs, but it is fair to say, Open Banking hasn’t had the impact many predicted or may have hoped for.

So, has Open Banking failed? Well the short answer IMHO is no, rather it has shown that for real customer outcomes to be improved, we need to look at customers finances as a whole and not just their bank account/credit card activity. This brings us to the concept of forcing other areas of the financial services sector to provide Open API type of access. While this may seem all great, there are some learnings that must be learnt from Open Banking, and for me, these need to be addressed asap.

Standards aren’t standard

Standards are often the keys to interoperability. So, with this in mind, the OBIE and PSD2 set about setting standards of what Open Banking APIs should look like, how they should behave. Banks though have to build these API layers, knowing that they don’t really fit with the infrastructure or approach they may have within their technology stack. Let’s park the issue of legacy systems, because even with an uber modern Core Banking system, Open Banking APIs are very prescriptive and will not follow your IT design pattern of choice. Because of this, and various other technical challenges, we find that banks have to work around the spec, and this leads to interpretation. The result, a third party needs to have tweaks for bank-to-bank integration. This is a maintenance nightmare, not just for the third parties, but also the banks themselves, which has resulted in infrastructure that clearly hasn’t got the same up time as the bank’s core systems.

With standards, less is often more. Less to cover leads to better focus which leads to the removal of interpretation which leads to a robust standard. A key learning before we embark on Open Finance is that we MUST have less documentation and greater focus on accuracy.

Ditch direct APIs

If we really want to thin out our standards, then we need to focus on what data is needed, and less on the API implementation / flow. This wont thin down documentation massively, but it will allow the pencil to be far sharper in terms of accuracy and the removal of interpretation wiggle room. The second learning is that banks need to make sure their “Open Banking / Open Finance” infrastructure is resilient and fits more seamlessly with their technological approaches. Given that each bank is different, their IT strategy will be different, their core systems are different, their capabilities are different, their ability to invest in Open Finance is very different this is the biggest learning we must take forward into the world of Open Finance.

So how do we solve these two issues while still providing external standardised connectivity and interoperability amongst financial services companies. The answer is simple, move with the times…

Direct APIs are dying off. We therefore need to move with the times and kill off this concept of direct Open Banking and Open Finance APIs. Modern architecture uses Event Patterns and not direct APIs. With an event pattern, components (software) raises /publishes an event to an event broker. The broker has subscribers who then receive that event and can process it accordingly. There are many benefits here, including the fact that publishing and consuming events is consistent, no matter what the system is you want to integrate with or what process you wish to trigger. The API for publishing events is consistent and does not change, so you are abstracting API change away from your system. In addition, the beauty here is a single event can be picked up by multiple subscribers, and therefore promote parallel processing. You can see why direct API integrations are dying off…

Event brokers and orchestration

If we want to provide Open Finance, then financial institutions need to expose an event broker. Third parties can then push events onto that event broker which can be picked up by the financial company and acted upon. The financial companies’ implementation becomes irrelevant at this point, rather it is down to them to simply act upon the event and return an event if required. This gives them freedom to architect their solution in a way they know will work, in a fashion that plays nicely with their IT strategy and in a way, they can improve resilience. This also makes them far more accountable if they are unable to meet certain up-time obligations.

From a third-party point of view, event broker APIs very rarely change, they are constant. This means the focus becomes that of what data is within the event, something that can be specified and made extremely concise. From institution to institution the approach will be unified as to will the experience for the third party. This removes the challenge largely of API management and supporting a plethora of direct APIs and their versions. Essentially API implementation and change has been abstracted away.

This is how we can move to a far more prescriptive standard regarding Open Finance while at the same time, simplifying implementation.

I should also add that event patterns will dramatically improve the customer experience and make everything feel far more integrated – when compared to that of multiple APIs from multiple providers all of which have to be triggered in specific orders.

Implementation

Financial Services need only leverage small aspects of the Cloud to enable this new approach. Both Azure and AWS have highly mature, robust event orchestration capabilities, and most banks globally have relationships with both Microsoft and Amazon. Simply utilise these cloud providers orchestration capabilities, technology such as Event Grid and Event Grid Domains from Azure will do the trick.

The setup is consistent and simple across the financial services organisation and for a third party. The implementation by the financial services organisation is behind the event broker and therefore they don’t need to worry about following specifics, rather they hook directly into what works for them best. The standard becomes highly data focussed in terms of what the data being published onto the event broker looks like – standards such as ISO 20022 will help here and Microsofts Common Object Data Model (for financial services) will also help.

Summary

Open Finance will provide dramatic improvements in terms of customer outcomes once in-place. Better access to financial products, improved transparency, better customer services and new innovations that can be taken advantage of will all start to happen. But this can only really happen with better standards regarding data and simplified implementation approaches – for both the third party providers and financial service organisations.

Direct APIs bring with them a level of complexity which is simply not required in todays modern architecture. By moving Open Finance away from this now dated construct and towards that of Event Patterns, Open Finance becomes far easier to implement and execute successfully. Here is to the death of Open Banking APIs and the birth of Open Finance Eventing….

Windows Phone 8 Summit

It’s been a big week for Microsoft, first on Monday its big surprise, the arrival of Surface tablets, Microsoft’s own branded tablet hardware running Windows 8 RT or Windows 8 Pro, and yesterday (Wednesday) Microsoft lifting the covers on Windows Phone 8.

What has amazed me is that for once, I didn’t feel let down by Microsoft presentation, nor the actual products they are delivering. For my look at Microsoft Surface read here.

Windows Phone 8

So what are the big things with Windows Phone 8, and why might Windows Phone finally grab some market share?

Windows Phone 8 start screen (right) provides greater flexibility to the user, and delivers more info through live tiles on the start screen than before

Well it’s been broken down into 8 areas; however I won’t run through all of them just the big ones.  Firstly, new hardware. Microsoft is actually supporting smart phone hardware that all other smart phones have, so that’s dual core technology, greater screen resolution etc. What is testament to the Windows Phone OS is that it has been quicker than any other mobile phone OS while running on hardware that really doesn’t stack up. If you have paid attention to any of the “smoked by Windows Phone” campaigns, then you will see that on day to day tasks, things that really matter, the Windows Phone devices beat all comers easily. Impressive.

The second thing, and probably the most important, is that Windows Phone 8 is running off the same core code as the full version of Windows 8. Now that may not sound that impressive, but it actually is. That means Microsoft has delivered on its one OS across all devices. From a developers point of view it means writing drivers once, it means writing applications once and then following some simple steps to quickly port to Windows Phone. In addition, Windows Phone now supports native code, which will open up the device to many more games and apps, and make life easier for people to move a game from iOS to Windows Phone for example. We must remember that Microsoft has the largest developer network out there, and all of a sudden these developers can write code that works on any device. We must also remember that Windows Phone market place (app store) is growing at quite a good rate at the moment, nothing spectacular but not bad. In recent reports and surveys we see that many app developers have been holding off for Windows 8, knowing they would have greater cross over across all devices then, and knowing they will have better features to access. This move to the one OS for all devices, though technically very tricky (lets face it Microsoft is the only company actually daring to do this) may well be the right decision – I for one can see endless benefits which will no doubt help Windows the brand. Another benefit here is re-use of code from other Microsoft applications, a great example being IE10. It seems IE10 is a bit of a new thing, and its the same IE10 engine across all Windows 8 devices – including Windows Phone 8. For website developers that makes life soooo much easier, in addition to the end user, it means a mobile browser that delivers all the features of a full fledged browser. Microsoft have worked hard here to make it the quickest mobile browser available, and looking at like for like comparisons, it is now leading the way. (Just a shame many will just here IE and groan, I want Chrome or something without using it). I personally hated IE until the release of IE9. You can’t argue with IE9, its a great browser, and IE10 seems to be now the best out there…Mind you has taken Microsoft long enough on that front!

The third thing is maps. Now Apple with iOS 6 has made a massive break with Google maps, and though Apples own app looks stunning (as to be expected) when you actually start comparing with what they did have, I fear users may be let down. Apple maps simple don’t have the same level of detail as Google maps, nor does it support different forms of transportation (so only plans journey if I am driving) and it’s not as fast. This will be a concern for many iOS users (though I am sure many will say iOS maps are much better – and that will be based on an Apple blog which shows the improved graphics etc.) I would hedge my bets that many will update to iOS 6 and then go straight to the app store and search out Google Maps and Google drive. Anyone who has spent some time looking at mapping on mobile devices and drive navigation will know that Nokia here is a very long way ahead. Even Microsoft has admitted that its own Bing maps cannot compete, so what they have done is teamed up to deliver Nokia maps and Nokia drive across all Windows Phone 8 devices. Thats a big deal, it means Windows Phone will have by far the best mapping system possible on a mobile device, it also means with the new live tiles some added richness – such as your app learning your most common routes and your live tile telling you how long your journey home will be before you even leave!

Finally, the start screen. Metro has been highly successful and well received and many phone reviewers love the Windows Phone OS, its just a shame the public hasn’t really gotten to see it that much. That I feel is down to the historic name of Windows on a mobile and or the hardware used. I have heard many people say they wont buy a Nokia because they didnt like the Nokia they had 6 years ago….Thats not a good thing, but it does show that with some exposure and sales reps pushing the devices, there is room to increase sales drastically. Some may say Metro is too restrictive, but with the updated metro UI on Windows Phone 8, the user really can personalise their phone to a greater extent. That’s a good thing, and it means all the benefits of live tiles actually just got better. You can now see a host of information on your home screen set out how you want it. I know widgets provide some comparison to a live tile, however they are big and clunky. Live tiles in this new format have got better, with 3 different sizes allowing the live tile to show basic, medium, or highly detailed information.  See the above screen shot comparing Windows Phone 7 Metro start screen with Windows Phone 8. Remember you can configure those tiles however you want. I personally think the new home screen makes other OS home screens look rather dated and clunky. A sea of static icons is never good, no matter how much art work you put into them…

The competition

I’m not going to get carried away and say Windows Phone 8 is going to take the market by storm, simply because of the history involved with mobile, and the fact that at present, Windows Phone has around 2% market share in the US and about 4% everywhere else. That’s not good. The smart phone market is dominated by the iPhone and the multitude of Android devices, so gaining market share is going to be tough. But it seems many of the technical barriers have now gone. There will be more apps, apps that you love on iOS are already on their way, there will be more power in the hardware, greater capabilities and features you will come to expect from Windows 8 across all your devices that you simply won’t get with anyone else (be you an end user or a developer). But, and it’s a big but, users will need to know their fav apps are in the marketplace or they simply wont jump ship and move to Windows Phone. There are still apps missing re productivity, business and games that are real barriers to entry for people who have had their smart phone devices for a few years. Only once these apps are available will Windows Phone 8 be on a level playing field in the eye of the consumer.

However, on a positive note, with Windows 8 hitting PCs later this year, people will become accustom to the Metro UI, and though at first, I think many will feel intimidated by the change, I’m positive that the change will be for the better.  Once users get used to it, it makes sense they will look at Windows tablets, as the UI, the experience is the same…From tablets, we then move to mobile phones, and again, its the same UI, the same apps, the same experience. All of a sudden, life is a lot easier for the average consumer, to quote Apple “it just works”. I see this as the foundation from which Microsoft and its mobile partners can build upon and get some market traction. (As long as those key apps are there)

Business market

I must not forget that Windows Phone 8 also included a bunch of business functionality that no doubt will have the enterprise looking at Windows Phone devices. This functionality is mainly around security, but also the fact that the enterprise can get its own hub on the device, and deliver its own apps to the devices without having to go through the Windows Marketplace. That’s a big deal. Throw into the equation that it’s the same UI across all devices, that they can secure and manage all devices in the same way and Windows Phone is all of a sudden a great idea for business. Oh I didn’t mention full blown office, sharepoint or lync either.

Business may even see Windows Phone adoption as a way of getting users ready and used to the move to the Metro UI either in a Windows 8 update or more than likely, Windows 9 when it is released.

Focus

Finally I wanted to say that I’m glad Microsoft has focused on the things that its users want, and have pointed out. In the IT world the old 80-20 rule should apply to most things, and though you may not get all the functions you can get on the latest Android device or iOS 6, what you do get is 80% of those functions working a hell of a lot slicker. For almost all of the consumers out there, even that 80% of functionality is too much, with most of it never getting used.

What I found surprising this week after sitting through the iOS 6 launch and then the Windows Phone 8 launch, is how much of iOS 6 was about adding functionality that Windows Phone and Android already have, and focus on things that demo very very well, but in the real world are a little gimmicky or lack substance (though I often find this with Apple products). I have spent some time with the new Galaxy device, and what a bit of hardware and such a rich set of features. But, in doing 95% of my tasks that I use a phone for, it had me frustrated. What I would say to anyone is actually spend some time using the OSs available, find out the best ways to access facebook, twitter, news, stocks and shares, calender functions etc and then compare. Play with the devices as if you were using them on a daily basis before you judge any of the mobile operating systems available. Unfortunatly in the modern world, it seems too many people simply voice opinion not based on any form of facts. I find this frustrating, but also missleading to others. So my advice, use the operating systems for yourself before you judge any of them….I have, and though I find more on iOS and Android, I know I wont use those features. When I compare like for like with the features, apps etc that I use, I find my daily tasks etc are done better with Windows Phone.

I’m glad MS hasn’t gone into a feature race as such, rather it is focusing on what the majority of us use our mobile devices for, and made that experience better than its competitors. That’s typically an Apple trait, perhaps MS is out “Appleing” Apple….

Life after RIM in the enterprise?

There has been a lot of talk about RIM today, caused mainly because the company has stated it is giving up on the consumer market and heading back to its roots, the enterprise. Couple this with the $120m loss the company has made and the hints at “sale”, and you do see why lots of people have been talking about RIM. (If you don’t know RIM – Research in Motion make the BlackBerry devices).

One of the big conversations I have been involved in today (on Twitter with @BPMredux @puleen @souvikbonnerjee and @AlbertoManuel) is just what do we think will happen in the enterprise regarding the use of mobile devices, and vendor offerings for mobile based solutions. @BPMredux asked in his blog two simple questions

“How many BPM vendors have a mobile BPM solution based on Apple, Android or Windows Mobile”

and

“Now how many of you are still stuck with RIM and Blackberry in your own corporate environment?”

You can join in his debate at http://bpmredux.wordpress.com/2012/03/16/mobility-inside-the-bpm-scene/

So in this blog post I have want to have explore at some of the main points and give some thoughts based on conversations and relationships I have with a number of IT professionals that work within the enterprise supporting their systems…

Are we seeing the BlackBerry swansong?

RIM is still a big player

For sure RIM is still a big player in the enterprise. Most people I know and speak too (within large corporations) have BlackBerry devices handed out to them as their corporate phones. There are lots of reasons why the enterprise opts for BlackBerry – security being one, durability another. Many people I speak to who have to support mobile devices within their business prefer BlackBerry, and that’s because they have better control over them, they are easier to administer, the battery life is second to none and the devices are durable (they do seem to get dropped a lot). These things mean less time is spent with the end user trying to address issues, and after all, time is money…

Apple is making in-roads in the enterprise

This all being said, the iPhone is making in-roads in the enterprise, especially within the “exec” levels of business. While the phone is undeniably a great phone, it does cause headaches for business, especially if you are already standardized on RIM. Throw into the mix that not much else in the enterprise is Apple based and the fact that you do pay over the odds for their devices, and you can see why, even with a great offering like the iPhone, Apple still isn’t king of mobile for business.

BYOD (Bring Your Own Device)

This is something I hear a lot about and read about. However, in reality, this really hasn’t shown any traction with the enterprise, and I very much doubt it ever will. Predominantly BYOD is a media thing based on what some SMEs maybe doing – it simply isn’t a great option for the enterprise, and here is why…

The enterprise needs to support its workforce and their devices, mobile, desktop, tablet, laptop whatever. This means they have resource dedicated to help ensure IT runs smoothly. That IT needs to administer these devices, ensure business applications run as expected, ensure everything is secure as possible and support end users. (They do other things also, but no need to list out everything). If the IT department has control over its devices, it knows what they are, it can secure them better, ensure the software works as expected, manage roll outs, upgrades etc etc and help users with their devices (without having to train IT staff / mobile support staff on every handset available to a consumer). In addition, standardization allows the enterprise to strike good deals with their suppliers and all big business has preferred suppliers – that’s just life. So imagine you take all that control away from IT. What are you left with? Yeap, a mess. You simply can’t have users connecting random devices to your network. You can’t expect vendors to support all mobile platforms under the sun for bespoke software for that business. You can’t expect in house IT to help users with their particular phones OS or hardware issues, and you can’t expect everything you need to work on the device to work on every single device (have I said that one already?). All in all, BYOD is a great concept, lovely for startups and SMEs, but for the enterprise, this isn’t an option…

Software vendors and their mobile offerings

The BYOD issue does illustrate that software vendors do not support all mobile devices. Sure there are comments that solutions should be mobile web enabled, that they should run using HTML 5, but that user experience is going to be pretty poor. The reason we love our native apps is that we can do more with an app, and the experience is a lot better than anything we see on our mobile web browser. This means vendors have to support native apps, and do they really need to support so many different platforms? Ideally they want to support one, but realistically know they may need to support a few. The problem for a vendor at the moment is which to support? RIM is a must, or is it…It used to be. Apple devices, well they are a must aren’t they…well yes and no…Android? No. Symbian…erm No….Windows Phone…Well potentially……

So what do you do as a vendor? I personally would wait until the end of the year to make a decision…

Windows 8 in the enterprise

Let’s be clear, Windows 8 may not be rolled out across the enterprise as soon as it’s released, but business will be reviewing it, and scheduling in a Windows upgrade path. Some upgrade paths will be quicker than others, and some may do their normal, and wait for the version after – so upgrade when Windows 9 is available as they haven’t long been on Windows 7. The point is Windows 8/9 will be the standard OS on the enterprise desktop and on majority of their servers. With this comes the normal office based software and legacy applications that every enterprise has running on a Windows environment. However, Windows 8 is a little more than just a desktop OS. All of a sudden the enterprise can have the same OS across all devices, including mobile and tablets. Think what a nice thought that is for IT within the enterprise and vendors alike. A single OS to administer across all devices,  a single user experience to support and the ability to seamlessly tie in lots of services they already use back into the devices of choice. Office, Outlook, Lync, Office 365, Sharepoint, cloud backups, device synchronization etc. That makes life a lot easier for IT doesn’t it…

As a vendor then, supporting Windows 8 is a must. But hold on, if you support Windows 8 metro what do you support all of a sudden? Yes, tablets (including ARM based tablets), desktops, laptops, netbooks and with a few tweeks, mobiles. All of a sudden supporting Windows Phone seems an obvious choice –  a necessity. So perhaps it’s back to the usual suspects, support Windows first, then perhaps Apple…Or vice versa depending on where you are with your mobile policies and vendor software.

Let’s think about suppliers to the enterprise. Most enterprises have a strict supply chain policy, and with Windows 8, this means the enterprise can choose who supplies their hardware, including desktop and phones. Remember Fujitsu, Acer, Dell, Nokia, Samsung, HTC and others deliver Windows 8 mobile devices. These same companies will deliver Windows 8 tablets, and most of them will deliver desktops, servers, laptops and netbooks. The enterprise therefore has the flexibility it desires regarding suppliers, but the security, administrative advantages of being tied into a single ecosystem, which runs all their legacy software. Essentially, for the enterprise, Windows 8/9 is a no brainer across all devices….

Where does this all leave RIM?

Well, to be blunt, I believe in a very deep, dark hole.

Essentially if it becomes a no brainer to support Windows Phone in the enterprise and Windows 8 tablet devices, then Apple will continue to struggle in the Enterprise, but that’s not a great loss to them. RIM on the other hand, if they struggle in the enterprise then I believe we will be saying goodbye to RIM and thanks for the BlackBerry memories. Without a consumer market, Windows 8 could well be the last nail in the BlackBerry coffin. I for one am already starting to think that by mid 2013, I could be writing a blog along the lines of “bye bye RIM, thanks for the BlackBerry memories…”

Disappointed with the cloud?

A recent eBizQ question has sparked this post, essentially it asked “Why are so many disappointed with the cloud?”, and this question was based on the fact that few organisations have made the move to the cloud, and those that have, many are stating they are disappointed with the results…So why would you be disapoointed? After all, it does what it says on the tin…

 

Cloud variants

A big problem is what do people mean when they say the “cloud”? If we take a look at the big players here, Amazon, Microsoft and Google, we see 3 different interpretations. Amazon deliver IaaS, which is Infrastructure as a Service. So essentially they deliver you an infrastructure for you to leverage as you please. This is very different to Microsoft’s Azure take on things, in which Azure delivers PaaS – Platform as a Service. Think of IaaS as your physical servers, all connected with nothing on them, and think of PaaS as physical servers, but running the server OS. Essentially Azure is the operating
system for the “cloud”.

Unfortunately, “cloud” is a very broad and “loose” description, so organisations must understand what type of “cloud” they are leveraging or buying into.

 

Expectations…

First off, let’s remember that the “Cloud” isn’t a solution, it’s just another platform. As a company you didn’t purchase Microsoft Windows Sever and expect it to solve all your IT needs did you? The “cloud” is a platform, nothing more, and yet as a platform it has capabilities that just aren’t available anywhere else.

Convenience, or something more?

Some argue that Cloud can be seen as IT convenience, which is true to an extent. If you view the cloud as nothing more than convenience, then you will no doubt also argue that the cloud makes far more sense to small organisations, as opposed to mature companies that have invested heavily in data centres – effectively providing them with cloud like capabilities. In many cases this is
very true, I myself have written posts illustrating reasons why the “cloud” is not applicable to some companies or IT solutions. Yet, “cloud” is more than just convenience, it’s about scalability, availability, reduced administration and reduced IT overheads. If you are a mature organisation, then no doubt your data centre will be specified to meet your maximum demands placed on it, as it
has to. For most of the time this means you have a lot of “spare capacity” and in effect, are wasting money. With the “cloud” and especially PaaS, you only pay for what capacity you need at that time. So you can quickly scale to meet demand peeks, but when you have little demand, your costs decrease as you lose that spare capacity.

We also have to look at capabilities here, using “cloud” based solutions we have a real option for continuous connected availability across a range of devices. We can share “state” between devices etc which makes it far easier to jump right back into work, where I was, even when I swap from my work PC to my work tablet or laptop at home, heck even to my Phone.

 

Security

This is a big issue, and unfortunately many security concerns are simply invalid. The cloud doesn’t mean open access to all! However, in some cases, compliance and regulatory demands mean you cannot jump to certain cloud providers or solutions. For example, for compliance you may well need to keep your data stored in your geographic location, so you can’t have it physically residing in the US when your company and the owners of the data are in the UK. That will include your data back too. So, you need to be aware just what your cloud provider is doing with your data / files, and make
sure they can meet your compliance needs.

 

Cloud based solutions

The big problem why organisations are disappointed with the “cloud” is the actual applications, their capabilities and user experiences. To be blunt, most cloud based “apps” pale when compared to traditional desktop based applications. Why is that? Well it’s mainly down to implementation of the software application, nothing really to do with the “cloud” as a platform.

Most “cloud” solutions are fully in the cloud, so essentially you access them through a browser. This is a massive problem and hindrance, and for business, web applications just don’t meet the needs. I don’t care what anyone says; running software in a browser is ok for only a handful of solutions – not for everything. Some of the problems with web based applications are listed below, and these are real problems and cause for disappointment with cloud based solutions at the moment:

1. Integration – how do you integrate multiple solutions? How do you integrate a cloud solution with standard desktop bound solution?
2. Customisation – do you really have an option to have your software customised to your needs? Again probably not, as the solution is there for “all – in the cloud”, not just you
3. Cross platform – HTML 5 is what keeps getting mentioned, but the issues still remain about how it performs within different browsers. In addition, think a bit wider. Does HTML based apps really deliver what you want cross platform? Think “cross devices”, how can you get the best user experience across multiple devices and their operating systems. Think PC, Mac, Windows Phone, iPhone, Android, Tablets, Laptops, XP, Win 7 etc
4. Asynchronous – many web based apps aren’t really Asynchronous, which means your user experience can suffer, especially when you are making round trips to the cloud and back (same problem applies to basic websites that are implemented poorly)
5. Data Extract – what is available, does it meet your needs, and whats the user experience here
6. Synchronisation – Can you synchronise between devices and return to your application in the same state?
7. Backup – what backups and formats can you get?
8. Application upgrades – will you be charged for upgrades?
9. Service Level Agreements – just what agreements can you get in place?

 

Improving the cloud experience…

So I have spent some time highlighting why organisation may well feel disappointed with the “cloud”, but now I want to point out how cloud providers and more importantly, software vendors, can replace disappointment with real excitement…

First off, your “Cloud” provider, you need to choose carefully, make sure you understand what they are providing (IaaS, PaaS, SaaS capabilities) and then understand what they do to meet you compliance needs. Take into consideration what you want to deliver via the “Cloud” – does your desired solution even work in the cloud or on a particular cloud platform?

I personally recommend the Microsoft Azure platform, simply because it delivers far more than just typical PaaS, it delivers brilliant development tools, application capabilities and synchronisation capabilities (it is also tied in pretty tightly with the up-coming releases of Windows 8 and Windows Server 8 – keep that in mind).

Windows 8 leverages Cloud capabilities heavily (Microsoft's Azure)

Secondly, and most importantly, choose “cloud” solutions that leverage your devices – so that’s your actual PC, Mac, Phone etc…The big change is how we use the “cloud”, moving away from a single UI within the browser to an actual “application” solves so so sooooo many of the issues highlighted. So what do I mean?

Cloud based applications need not run in the “cloud”, they need only be distributed or leverage cloud services, data and content. So the application is installed and runs on the device, accessing cloud services, data and content. When we move to this model, you see how usability, experience, and capabilities all drastically increase. So:

1. Integration – This is made a lot easier, real application integration can take place, be that using cloud services in another application, or actually sharing data on your device between applications (this can be taken further with Windows 8 and the use of contracts and charms)
2. Customisation – Customising applications for a client is made a lot simpler, it becomes something that is in essence, not that different to customisation of typical desktop in house applications today
3. Cross platform – well the iPhone has shown us that using platform specific technologies deliver the best user experience. Would you rather use the iPhone app for that, or trundle off to the website. You will use the app. So this is no different, deliver “Apps” for the desired platforms and HTML 5 for platforms where you will not support apps. (Remember, that you are not maintaining multiple versions of solution code, rather multiple front ends, nothing more)
4. Asynchronous – Running typical applications allows developers to really use asynchronous capabilities within their solutions, improving performance and the user experience, not to mention
   dodging the browser time out issues
5. Synchronisation – with apps you can leverage the cloud to then store your synchronisation data, which makes it possible to synchronise your applications across all your devices in real time
6. Upgrades – these are made easier, even for customers who run highly customised applications

 

Quick finish…

Essentially, disappointment in the “cloud” is actually disappointment caused by “cloud” expectations being wrong, choosing the wrong cloud provider, or using cloud solutions that are limited, limited because they are stuck in a browser…With time, we will see greater understanding of what cloud providers actually provide, greater understanding of IaaS vs PaaS and we will see software providers delivering “apps” as opposed to just browser based solutions.

See the cloud as a platform, nothing more, and choose solutions based on their capabilities for meeting your business requirements. Good cloud based solutions, that leverage apps, will not only meet your expectations, but will offer you more features, more functions, less administration and ultimately run at a cheaper cost for you…

Kindle Fire in the tablet market? errm…No…

So yet another tablet has been launched, this time the Amazon Kindle Fire, and again we find another entry into the tablet market is being touted as a possible iPad killer. But is it really? Have companies, such as Amazon, RIM, HP etc actually got it right when it comes to tablets? I don’t think so…

Is the Amazon Kindle Fire anything new in the tablet marketplace?

In the beginning there was Bill…

It seems an age ago that we heard Bill Gates telling us that the future of mobile computing was with touch, and he showed us a number of “Slate laptop” type things. I loved this concept, but unfortunately the UI just didn’t lend itself to this kind of touch environment, and as a result, business and consumers didn’t embrace the whole thing.

Fast forward a number of years and we have Apple announcing the first iPhone, which to be fair was not a great phone in terms of features. However, what Apple did was deliver a user experience that was not even closely matched, they delivered a sleek easy to use, touch based UI and consumers loved it. Add on top of this the “app” store capabilities and we soon have what we know as the leading smartPhone on the market.

 

Phones lead the way for tablets

Essentially tablets were dead, until Apple then decided to manufacturer what seemed to be, a bigger iPhone but without the phone capabilities, tablet. The iOS suited touch, and was easy to use, and it
appealed to consumers who liked the idea of surfing the web from their sofa on something bigger than their phone. It appealed to us running Apps on a bigger screen. And, well, the iPad has taken off. It dominates the tablet market place, and when you look at the competition, you can see why.

Many state the tablet market is highly competitive, and that is true if you aren’t Apple. Essentially everyone else is fighting it out for Apple scraps in this marketplace, which Apple has a monopoly on. All the other offerings have come at the tablet market in pretty much the same way, thats use a touch based phone OS and get it on a tablet…Namely Android in the majority of cases.

 

What a consumer actually wants?

Yesterday with the launch of the Amazon Kindle Fire, many people said it will succeed because it delivers what consumers want, well I’m not so sure. Analysts are constantly stating that Amazon has people’s card details, so it’s easy for them to open up their online stores and make content and apps highly available to the consumer, allowing the purchase sequence to be seamless. Well I am sorry, having to re-enter some card details is no barrier to a consumer at all. Also, do we really feel comfortable with so many companies now holding our card details? Just look at the Sony incident? In
addition, we are all making the assumption that all the consumer wants to do is consum simple Apps, books, videos and music on their tablets. Well I don’t agree…

 

Problems…

So is what the Kindle Fire offering more of what consumer’s want (well the Price maybe), but probably not. Do we honestly see people looking at the iPad and then thinking, No, I will opt for the Amazon Kindle Fire? I don’t. Do we really see people looking at other tablets that aren’t the iPad and thinking, I will go for the Amazon device because the seamless payment is better? No. Do we see people opting for the Kindle Fire to replace their Kindles? Now that’s a BIG NO…People bought the Kindle as an eReader, and it’s brilliant at that. Not because its easy to buy books on (though that is true), not because Amazon has my card details, but because I can actually read a book as if it was a real book. Dont get this confused with the user experience. The eInk screen is brilliant, you don’t get eye strain like you do from a tablet, you can read it outside, and essentially, it works well…The Kindle Fire, is not the same, it’s a standard colour tablet, which means I am not going to be getting rid of my Kindle to read Kindle books on that…

So there are a number of problems here. Finally, do we see people going for a tablet that is so small? So far, tablets of around the 7” size haven’t made much of an impression, and I can see why. With smartPhones offering almost everything a tablet does in term of apps etc. what is the real benefit of having a tablet that in some cases is only 2” bigger? Amazon Kindle Fire or HTC Titan Phone?

 

Flexibility, consumer need and business drivers

Tablets are here to stay, but the next big thing in them is actually to deliver real flexibility in terms of how we use computers today. At the moment, tablets are too much like big phones than they are small portable computers. But don’t get me wrong, for many consumers this is perfect for them. I know some people run quite complicated Apps, but this is a rare feature. If I want to do some real computing, and some real tasks I need at least a notebook, or a laptop, hell even a fully blown PC in many cases…

Let me give you an example. One of the Directors I work with, bought an iPad 2, which he takes to all meetings we have, which he loves and uses a lot. However, I take a notebook running Windows 7 Starter. Why? Well it’s my need. I would love to take a tablet, but none exist that allow me to do all the things I want to (at the moment that is). While he looks at the odd app, browses the web on his iPad, and that’s about it, I have to plug my machine into projection screens, I have to run presentations, I have to modify those presentations, I have to go through technical prototypes and even
demonstrate applications, proof of concepts and much more, all from that little notebook. And that notebook is holding real databases on it, real development environments.

When I go on holiday, I take the notebook with me, as I can pretty much do everything I need on it (well within reason). I would love to swap it for a tablet, and have that user experience you get with a tablet for the 60% of my needs, but I simply can’t because of the other 40% of needs. So for me, I make do on my phone for what people use tablets for, and I own a notebook. What I want is real flexibility in the tablet marketplace…

The same applies for businesses. While some have adopted the iPad for certain applications, many find that it doesn’t quite deliver everything they need. The limitations of using essentially a Phone OS is too limiting for business and power users. We even find that businesses want to be able to run certain applications on a tablet, but this just isn’t possible, so reps etc use notebooks or take fully blown laptops with them…

 

Tablet market future?

Well who knows. I for one don’t believe iOS is going to be rivalled by any Android based tablet. Nor do I believe that the iPad will come up against much competition based on devices that rely on “content access” and “seamless payments” as major selling points. No, the Apple iPad will only be challenged once more is possible with a tablet than is currently on show in the market.

Enter Windows 8…Windows 8 could potentially be a game changer in this market. On many tablet devices it will run only “Metro”, but it is running real windows and delivers the power of a PC, and that flexibility to a tablet. In addition, on some tablets (just like the one given away by Samsung at Microsoft’s BUILD conference just a few weeks ago), you will have the full power of a PC, with “Metro” and access to the real desktop.

Windows 8 could be the game changer in the tablet marketplace

What does this mean? Well it means for typical “tablet needs” that we see in the market today, you have that with Windows 8. You have access to the Microsoft App store and you will have access to content from Amazon, eBay etc just as you do from your PC. In addition you have a full PC there, in your hands, so if you need to do more with it you can. You also have the option of different devices running the same software, and at different price ranges (just like we have today with PCs).

Going back to my own example. Windows 8 on a tablet would mean I would ditch the notebook. I would use the tablet 60% of the time, just like people use their iPads today. But, when I need to, I am able to carry out that other 40% of tasks on the same device. (Note I will not be replacing my PC, anyone who things we will only own tablets instead of PCs is wrong, or they see us with tablets accessing far larger screen). I will take away a USB keyboard and maybe a docking station for the device, and I can use it just as I use my computer at work. Now that’s real flexibility. Throw in all the added benefits of being connected to Azure with Windows 8, and I find that my little tablet is my PC at home, it is my PC at work…Now that’s real flexibility which opens up the tablet market to many more business users, and consumers…

The tablet market isn’t competitive at the moment. But I believe it will be, just not until we see Windows 8.

BUILD and Windows 8…

So last week saw Windows 8 developer preview being shown off at Microsoft’s BUILD conference, and well, there was a lot to take in. BUILD was also showing off Windows Server 8 and a host of other Microsoft initiatives / solutions, including Windows Phone 7.5 and Windows Azure. With all that being shown off, it was hard to keep up and understand what exactly Microsoft was telling us about their future products and services. Unfortunately, as with most things Microsoft does, this meant that there was a lot of “dodgy”, to put it politely, blogging and tweets being thrown around. Essentially many tweets and blog posts were simply wrong, or written by pure Microsoft haters, so the messages coming out from BUILD did get a little lost for some…

Anyway…Let’s have a look at Windows 8 and what it could mean to consumers and businesses…

Metro

Well this is the new interface style if you like, what Windows now looks like by default. Metro is something Microsoft has been pushing, but it’s essentially a design look and feel. Many people see this as
primarily just for tablets, but I disagree. I like the idea of switching on my PC to see the “live tiles” environment, allowing me to peer into applications without needing to open them. It’s a feature I like on the Windows Phone 7+ platform, and I personally think it works really well for the PC, laptop, tablet market. Metro applications also look and behave great, and I have no problem with moving away from “chrome” based windowed applications.

Windows 8 new Metro UI. It's Alive...

The “Metro” side of Windows 8 only supports “metro” style apps and HTML running in IE10 (currently no Silverlight or Flash in the Metro browser experience). Metro also provides a design methodlody for applications, and as such, a framework for developers to work within when delivering “apps”.

There are also “contracts” in place between applications, allowing them to share functionality via “charms”, such as the “search charm”. What does that mean, well it means you can search inside your app from the standard search dialogue. Even better, you can share content between apps using the “share” charm, so I am in one app, and I wish to share some content, I can click on the system charm and simply share it with another application. This provides a real slick feel to using the system, as if the Apps are part of Windows 8, as opposed to a single bit of software that simply runs on Windows 8. There is quite a difference there…Essentially metro and charms all adds to the user experience, and rich environment, Windows 8 aims to deliver.

Using "Charms" with touch screen keyboard to search within apps

Many though have stated, why ship Metro style for the PC if you are also supporting the more traditional “desktop” look and feel, which essentially is Windows 7 updated. There have even been calls for supplying metro only for tablets, and desktop view only for traditional laptops and desktops, a bit like Apple shipping iOS for tablets and full on Mac OS for Mac Books. Well to these people I simply say “you don’t get it”…

Flexibility, choice and function is what people want. If I own an iPad and I want to edit some pictures by using Photoshop, I can’t. That means switching over to my laptop, Mac book, PC whatever to do that work, not great if I am at the mother in-laws for example. So why not deliver a tablet that can allow me to do that work if I want? What’s wrong with having the flexibility and option there? Nothing…After all, I don’t have to go into the standard desktop if I don’t need to…

Native Desktop

The native desktop is still there, essentially it looks and feels like Windows 7, and there is nothing wrong with that. The native desktop is used to support more complex applications, applications such as Photoshop or Visual Studio, applications that need lots of tool bars, need to show lots of actions and functions to the user. There is nothing wrong with these types of applications, and not all applications could be designed the “metro” way (nor should they).

The native desktop is just that, it’s everything Windows 7 is right now, so all your legacy / business applications that have gone before will run fine on Windows 8.

 

Tablets, Laptops, Netbooks, PC’s, Phones…ARM, the lot…

One of the big things with Windows 8, and something Microsoft kept on pushing at BUILD, was that Windows 8 is for all devices, and that means all forms of hardware. So Windows 8 runs well on my fully blown development beast of a PC, yet it works just as well on a small wafer thin tablet running an ARM processor. This is actually great, it means I have a single experience across all my devices, while Microsoft needs only support a single platform.

Now, throw into the mix Microsoft’s investment into the cloud and Windows Live, and you start to see added benefits of this kind of thinking. You can have all your devices understand “state” between them, so understanding where I am in an xbox live game for example, or where I am in terms of a business process. That makes life a lot easier and flexible. Simple things such as changing my “Avatar” on my PC is replicated across all my devices, which is a great touch…

For quite sometime I have wanted a tablet that allows me to install everything I may ever need on it, so that includes development studios, it includes database administration suites, it includes photo editing software etc etc and I simply cannot do that with a tablet. So that means I lug around a great laptop just in case I need these things, yet I mainly use that to search the web, run some power point presentations, check email etc etc. With Windows 8, I can get my PC on a tablet, and use it as a tablet, until I need to use it properly, and in such an event, I can…

 

WinRT, .NET, WPF and Silverlight

Ok, now this is where many bloggers etc really annoyed me, especially those saying “Microsoft has killed .NET and Silverlight”. The essential truth is that many “components” that make up the .NET framework (and therefore the Silverlight framework) have been incorporated into WinRT (which is the metro side of Windows 8 libraries – if you like). Metro apps run either XAML or HTML 5 (note that if you are familiar with WPF and Silverlight that XAML is the front end of those technologies) but don’t run what we could term “native WPF or native Silverlight” applications. Metro apps “managed code” environment is either C++, VB, or C# (oh that’s just the same as WPF and Silverlight), and pretty much everything is the same. If you have an old Silverlight or WPF app,
you do need to make a few, and I do mean few changes, before it runs in the metro environment. I personally don’t see the big problem with this. Sure if you have a business application running on Silverlight, you now need to change it if you want to run it in the Metro world, however, you can always run it in the desktop environment…If you want to migrate, make the few changes and away you
go, and you now have a Metro application. Those changes are essentially a few include changes, and that’s it…

When you look at “Metro”, you see that it really is just an update to Silverlight / WPF, actually the whole of Windows 8 looks and feels like a Silverlight / WPF.

 

HTML 5 and scripting languages

HTML 5 is now supported along with Javascript in Visual Studio 2011, now I don’t think this shows any movement away from Microsoft technologies (such as XAML), rather it shows Microsoft’s aim of allowing as many developers as possible to develop great applications for Windows 8.

From some of the videos I have watched, I would suspect that using XAML is better for Metro applications (well delivering some of them), however, HTML 5 is going to do more than adequate job.

 

Windows Azure

There was a lot on Windows Azure, especially when we start looking at how Windows 8 synchronises between all your devices. Now I am not one who has shouted about the cloud from day 1, I have often spoken of some of the issues regarding compliance and many issues with the cloud. However, that being said, Microsoft uses Azure very very well with Windows 8. They have also gone through a lot of work of exposing may Azure interfaces to developers, allowing them to take advantage of the power of Azure across all devices. Great thinking…

I also liked a lot of things being done with Azure, and how Microsoft have really addressed compliance issues that do raise their head when we think of cloud computing. If I am honest, I think the stuff I have seen on Azure of late has me praising the concept of the cloud so much more. Though I feel that’s more aimed at “Azure” than cloud computing in general. I still have issues with IaaS and concepts of cloud applications running in my browser (I hate that, I want a real user experience, a real application, and guess what, with Metro or the desktop and Azure, I can get that very easily).

 

Developers, developers, developers

BUILD was all about developers, and that means putting them at the forefront of Windows 8, giving them the tools they choose to develop with and allowing them “sell” to potentially millions of customers. On that note, there was a lot made about the sheer number of devices out there that will be running Windows 8, and just how big that audience is for developers. I know that Apple has gained traction here; I know that Android has gained traction too, but at the end of the day, if you develop for Windows you have the biggest audience out there. And that is a fact…Throw into the mix Windows 8 capabilities on tablets and the deal with Nokia, and I think you see that Microsoft is working hard to get even more devices running their software.

 

Much more I have missed…

There was simply so much at BUILD that I can’t possibly start talking about all the things I am aware of, nor did I fancy writing multiple blogs on essentially a platform that is only at developer preview stage.  I didn’t touch on Windows Server 8, nor other features such as NFC enablement, but there you go. Go visit Channel 9 and watch the hundreds of hours on BUILD.

Essentially, Microsoft has been working very hard, it has taken on board the need for touch, and the fact that mobile and tablets are becoming must have devices, and as such, Microsoft should have Windows running on them.

I personally think Microsoft has done a great job with Windows 8 and Azure, and I can really see them taking Apple on head to head in markets where Apple currently dominates. Is this Microsoft getting back to their best? I think so…