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Commercial banks seriously need to up their digital game to meet the B2B needs of their customers
HFS conducted a significant deep-dive Horizons Study into the needs of commercial banks and the best IT and business process service providers to support them: HFS Horizons: The Best Service Providers for Commercial Banks, 2025. This report evaluates the capabilities of 22 service providers across the HFS commercial banking value chain based on a range of dimensions to understand the why, what, how, and so what of their service offerings. Read More
Modern-day work culture: It’s all about ME, ME, ME
People don’t suddenly decide to become selfish. This is a product of the dehumanizing dynamics in the work environment, which results in people crying out for affirmation and a sense of connectedness that is missing from our work lives. "ME" is the world we live in, but we need to focus more on "US" to improve work culture. Read More
Welcome to the era of Services-as-Software… where the lines between services and software are blurring
Two very different worlds, one based on humans and the other on technology, are becoming one blended, scalable solution we are calling Services-as-Software. In short, the line between services and software is blurring and eventually vanishing, and this progression has become more crucial than ever. Read More
From Physical to Digital Labor: Will Salesforce’s AgentForce 2.0 replace traditional jobs and outsourcing?
Salesforce’s AgentForce 2.0 signals a new era of digital labor, redefining how enterprises manage productivity, outsourcing, and internal workforce models. By integrating AI-driven Digital Workforce Equivalents (DWEs) into its platform, Salesforce positions itself as a cornerstone of the agentic AI revolution, challenging traditional IT and outsourcing paradigms. We believe this release signals a clear path toward the services industry’s shift toward Services-as-Software. Read More
People aren’t stupid. Pretending your bots are human will make you fail
Humanizing bots while dehumanizing humans risks creating a soulless enterprise in which efficiency wins, but humanity loses. The meteoric rise of Agentic AI is fundamentally reshaping workplace dynamics as systems evolve from basic automation tools into autonomous digital workers that can execute complex tasks, make decisions, and even mimic human collaboration patterns. In short, after all the noise about bots replacing workers in the workplace over the past decade-plus, we now have technology that is still being positioned by many tech vendors to do just that. This evolution poses a double-edged challenge for enterprise leaders. While Agentic AI promises to unlock massive productivity gains and operational efficiencies, it also threatens to erode the human elements that drive innovation and organizational resilience. Meanwhile, employees face growing pressures to compete with tireless digital counterparts and productivity-obsessed work environments, further straining workplace culture. Read More
Supply chain leaders must act fast to get ahead of the looming tariffs
Donald Trump’s announcement of steep import tariffs on goods from Canada, Mexico, and China has rekindled concerns about a volatile trade landscape. His proposed 25% tariffs on Mexican and Canadian goods and an additional 10% on Chinese imports represent a significant shift from multilateralism to unilateralism. These actions threaten the integrated North American supply chain and global trade stability if implemented. Read More
The decline of commercial payers is an opportunity to address new markets
The HFS Horizon: Healthcare payer service providers 2024 study evaluated 45 service providers for their ability to address the cost and experience of care, and health outcomes for health consumers globally. This study reflects inputs from more than 300 healthcare enterprises, over 80 enterprise references, and approximately 80 supplier partners. Read More
Happy one-year birthday, Microsoft Copilot. Now, can you be more than a quick AI win for the lazy CIO?
It’s been exactly two years since ChatGPT 3.0 hit the streets and dramatically changed the AI conversation. One of the key beneficiaries has been Microsoft Copilot, which, in barely one year, has generated a remarkable $1 billion in revenues and created a vehicle for CIOs to claim early “AI victory” to their corporate leaders hungry to exploit the delights of this AI revolution. So, with Microsoft positioning Copilot as the new "UI for AI," what do CIOs and their C-Suite counterparts need to do to achieve more value than a glossy AI veneer? Read More
Enterprise Blockchain is Not Dead
Blockchain isn’t dead. The technology has evolved, grown tougher, and found its niche in critical industries. This is more than just a simple opinion – as our HFS Pulse data reveals, the vast majority of enterprises still using blockchain today plan to increase their spending in the next two years – they wouldn’t do that without experiencing real value. In addition, the intersection of AI and blockchain holds incredible potential, particularly in addressing one of society’s biggest challenges: trust Read More
Six in ten Americans will have their healthcare coverage severely impacted by Project 2025
Project 2025 dictates the removal of the Affordable Care Act, which will reverse history back to before 2010 when citizens could be refused insurance coverage for a pre-existing/chronic condition, which today impacts six out of ten citizens. This will have a huge impact on both citizens and their employers with so many people struggling to access and afford the urgent care they need. Read More
