What really is Vibe Coding? Vice Coding is a new programming style that emphasizes rapid, intuitive and low-ceremony development. Developers...| Horses for Sources | No Boundaries
Meet Babak, one of agentic’s original inventors| Horses for Sources | No Boundaries
The future of the analyst industry is here, but most of its stakeholders are simply not ready. You only need...| Horses for Sources | No Boundaries
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GBS (Global Business Services) is dead. Long live GBS (Generative Business Services)| Horses for Sources | No Boundaries
If someone called you “back office”, I’d imagine you’d be a little bit offended. It’s probably not much worse than...| Horses for Sources | No Boundaries
AI, tariffs and de-globalization could drive services creation in the US| Horses for Sources | No Boundaries
The US and India are joining forces to manage 1.4 billion iPhone users. Wow.| Horses for Sources | No Boundaries
August 09, 2025The analyst industry is having its Blockbuster moment| Horses for Sources | No Boundaries
Layoffs are accelerating again, but this time AI is becoming the cover story, offering a convenient narrative to justify long-delayed... The post Don’t hide behind AI to trim your belly fat. Start redesigning your workforce appeared first on Horses for Sources | No Boundaries.| Horses for Sources | No Boundaries
Love him or loathe him, let’s be clear… President Trump’s new AI Action Plan isn’t just political theatre, it’s a... The post Trump’s American AI Powerplay: Get on board or get left behind appeared first on Horses for Sources | No Boundaries.| Horses for Sources | No Boundaries
Today’s analysts and advisors love talking about how the speed of AI advancements is turning every industry on its head,...| Horses for Sources | No Boundaries
We only really want to invest in personable relationships that are meaningful. Everything else is really just a transaction that can be automated or AI-ed. So buy that VR headset and give up on transactional humanity… the future is in the Metaverse folks!| Horses for Sources | No Boundaries
New TCS CEO K Krithivasan (left) taking the reins from Rajesh Gopinathan So new(ish) TCS CEO MD K Krithivasan (or...| Horses for Sources | No Boundaries
In just a few days, Silicon Valley Bank (SVB) fell from grace so swiftly that it still holds onto ‘buy’...| Horses for Sources | No Boundaries
Retail banking remains the most visible segment of the global banking market with the greatest alignment (and exposure!) to consumer...| Horses for Sources | No Boundaries
You know what we’re sick and tired of at HFS? Ridiculous empty-promise press releases touting GenAI capabilities with no in-production...| Horses for Sources | No Boundaries
As the IT services industry braces for a slowdown in 2023 with large deals taking eons to get completed, Infosys...| Horses for Sources | No Boundaries
Click to Enlarge The banking and financial services sector remains the largest market for IT and business process services and...| Horses for Sources | No Boundaries
She has over 18 years of experience in the financial services industry in the areas of banking, capital markets, equity research, financial modeling, data analysis, client management, and strategic project development. Prior to HFS Research, Divya spent several years at Copal Amba, a subsidiary of Moody’s Analytics, where she covered the insurance and banking sector for the US and Asia-Pacific markets. Additionally, she supported business development activities for the quantitative research...| Horses for Sources | No Boundaries
To paraphrase Freddie Mercury, “Another bank bites the dust.” This time it’s First Republic Bank – the latest financial institution...| Horses for Sources | No Boundaries
The traditional lines between CPG brands and retailers are blurring, with brands engaging consumers directly and retailers elevating private-label products... The post Tech-deprived CPG and retail encroach each other’s territory in search of growth appeared first on Horses for Sources | No Boundaries.| Horses for Sources | No Boundaries
My analyst colleague Saurabh Gupta has shared our viewpoint about what’s going on with Accenture in 2025 and it’s big...| Horses for Sources | No Boundaries
In March 2021, Wipro closed the largest acquisition in its history, Capco, a BFSI-focused consulting firm, for $1.45B. HFS wrote...| Horses for Sources | No Boundaries
AWS could lose steam as the migration to the cloud, as a technology platform, gives way to the cloud’s role in making data a business asset. While AWS's growth numbers are still holding up, there could be significant changes on the horizon as Google Cloud Platform (GCP) makes up lost ground with its approach to a data-centric cloud environment.| Horses for Sources | No Boundaries
Cognizant has made a significant investment in ServiceNow capabilities with the acquisition of Thirdera, one of the much-admired deep consultancies...| Horses for Sources | No Boundaries
Nothing has disrupted the cozy status quo of big enterprise technology transformations more than GenAI. It has been a true leveler across the industry where suddenly everyone is operating on a level playing field, trying to convince the world they have a better GenAI story than their competitors. Our industry has been equalized, and a new set of winners are going to emerge| Horses for Sources | No Boundaries
One IT services provider delivering superlative performance in recent years is Capgemini, recording over 20% revenue growth in the first...| Horses for Sources | No Boundaries
Tariffs won’t save American industry — They’ll strangle it| Horses for Sources | No Boundaries
Tariffs won’t save American industry — They’ll strangle it| Horses for Sources | No Boundaries
The insurance industry has spent the last decade digitizing its core in the form of claims, policy servicing, and back-office... The post Modernizing insurance was the mandate—now it’s about monetizing what’s next appeared first on Horses for Sources | No Boundaries.| Horses for Sources | No Boundaries
Aren’t you just sick and tired of people waxing on about AI job destruction but clearly assume they are just... The post Stop pontificating about other people losing their jobs to AI and worry about your own job appeared first on Horses for Sources | No Boundaries.| Horses for Sources | No Boundaries
To be a truly autonomous organization, the principles of OneOffice hold truer than ever: workflows need to execute in real-time between customers and employees - and engage partners in your ecosystem. OneOffice is about understanding and discovering the data you must have to win in your market - right now in real-time - as the market environment keeps changing.| Horses for Sources | No Boundaries
If you can’t move your people, then move your code — Services-as-Software is the new trade route| Horses for Sources | No Boundaries
A geopolitical cyber emergency is escalating—and we’re all deer in the headlights| Horses for Sources | No Boundaries
As global tensions escalate—from Ukraine and Israel to rising flashpoints in South Asia—cyberwarfare has emerged as the new frontline. It targets not just military infrastructure, but also cloud platforms, supply chains, tech ecosystems, social media feeds, and the smartphones of your employees. Today's CIO not only has to manage significant pressures from their boards and leadership peers to deliver an AI agenda, but they also have to balance this with a proactive, holistic cybersecurity...| Horses for Sources | No Boundaries
Yes, folks – the rumors are true. HFS is officially out of the quadrant business. We’re done, the whole quadrant craze...| Horses for Sources | No Boundaries
If you’re an enterprise leader staring down ballooning tech debt, rising pressure for AI transformation, and daily new product drops...| Horses for Sources | No Boundaries
I don’t think I’ve ever lived through a period in my life where there’s been so much doom and gloom...| Horses for Sources | No Boundaries
You’ve probably completely forgotten that London was the world’s vibrant financial center in 2016… oh how times have changed. Despite...| Horses for Sources | No Boundaries
A geopolitical cyber emergency is escalating—and we’re all deer in the headlights| Horses for Sources | No Boundaries
Apple’s pivot to shift its US iPhone manufacturing from China to India by 2026 isn’t just significant—it’s monumental, and it’s...| Horses for Sources | No Boundaries
Tech-deprived CPG and retail encroach each other’s territory in search of growth| Horses for Sources | No Boundaries
Commercial banks seriously need to up their digital game to meet the B2B needs of their customers| Horses for Sources | No Boundaries
As speculation of a Capgemini takeover of WNS heats up, you have to question the future of BPO specialist firms...| Horses for Sources | No Boundaries
While the US administration obsesses with pointing DOGE at relatively small levels of governmental expenditure in areas such as USAID and the Department of Education, when it comes to US healthcare, there are levels of cost inefficiencies and improved outcomes that could reach trillions of dollars if managed effectively.| Horses for Sources | No Boundaries
Niti joins us with 6+ years of experience in market research. Prior to starting the HFS journey, she worked with Kantar. She has experience in both primary and secondary market research studies in FMCG domain. She has worked on accounts across the globe as well as India, for various categories including tobacco, new generation products and personal care products. Her responsibilities included leading end-to-end research studies along with client presentations. She was also a temporary onsite ...| Horses for Sources | No Boundaries
Services-as-Software presents a $1.5 Trillion Opportunity for both Software and Services firms| Horses for Sources | No Boundaries
The focus of a lot of US business is going to be squarely on cost reduction, and this will have a direct impact on global IT service providers. This will result in a double whammy hit for the India-dependent service providers and consultancies as US firms will be incentivized to reshore services work back to the US, and also to invest more heavily in AI to reduce reliance on support staff in areas like application development and business services.| Horses for Sources | No Boundaries
Let’s be clear. Tariffs aren't inherently evil. In limited, strategic use, they can buy time for critical industries. But when wielded as a broad, blunt policy — as a primary economic lever — they don’t deliver results. They create a cascade of consequences that hurt far more than they help.| Horses for Sources | No Boundaries
Biden’s keynote could not come at a more opportune time. Agentic technology dominates business conversations, blurring the lines between humans...| Horses for Sources | No Boundaries
We need to reset our current work habits and refocus on our future. Otherwise, we’ll withdraw more and more into a world where we’re becoming imposters. We need to embrace change, refuel our passions, and tune out all the rhetoric and noise.My advice is to focus on building closer work relationships, get out more, and meet more people. Working with people, locking heads, building friendships, sharing experiences... this is what energizes us. At the end of the day, we're all mammals, a...| Horses for Sources | No Boundaries
Miss the good old days when everything was fine as long as the economy was good? Today we need to...| Horses for Sources | No Boundaries
Google has struggled for years to sink real teeth into the enterprise, but it may have just found its path...| Horses for Sources | No Boundaries
Protectionism isn't just disrupting your current vendor relationships—it's fundamentally transforming how services will be delivered to your organization. The more governments try to lock down supply chains, labor markets, and data flows, service providers are left with no choice but to accelerate their shift toward Services-as-Software.| Horses for Sources | No Boundaries
2025 is the breakthrough year for Generative Enterprise — and partnering with a capable services partner is critical| Horses for Sources | No Boundaries
Cliff riffs on GenAI’s Edison moment…| Horses for Sources | No Boundaries
The world of enterprise innovation has changed dramatically since pre-pandemic days, and we – at HFS – have redefined how...| Horses for Sources | No Boundaries
The changing nature of the US workforce supports the possibility of services coming to the US as anxious businesses look to get ahead of global risk and uncertainty. Only a fool would ignore the magnitude of what is happening in our geopolitical landscape.| Horses for Sources | No Boundaries
Prepare for a breakthrough year in the Generative Enterprise—powered by the potential of agentic AI to deliver end-to-end, self-improving, cross-silo...| Horses for Sources | No Boundaries
Have you been taking your FOBO pills? Because without a healthy Fear Of Becoming Obsolete, you will likely end up...| Horses for Sources | No Boundaries
Welcome to the era of Services-as-Software… where the lines between services and software are blurring| Horses for Sources | No Boundaries
Services-as-Software threatens to kill off BPO specialists as WNS eyes Capgemini as a strategic exit partner| Horses for Sources | No Boundaries
Tariffs won’t save American industry — They’ll strangle it| Horses for Sources | No Boundaries
HFS research has found that the average time for a bank to onboard a new commercial customer is 32 days....| Horses for Sources | No Boundaries
Joe Biden to keynote at the HFS Summit| Horses for Sources | No Boundaries
Have you taken a step back to reflect on the impact of social media, AI, and the pandemic on...| Horses for Sources | No Boundaries
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.| Horses for Sources | No Boundaries
Donald Trump’s announcement of steep import tariffs on goods from Canada, Mexico, and China has rekindled concerns about a volatile...| Horses for Sources | No Boundaries
2025 is the breakthrough year for Generative Enterprise — and partnering with a capable services partner is critical| Horses for Sources | No Boundaries
Global coverage for healthcare continues to shift away from commercial underwriting to governments as the quadruple aim of care (cost...| Horses for Sources | No Boundaries
Phil Fersht talks Ravi Kumar on how he is shaping things up at Cognizant in light of the opportunities and potential threats posed by GenAI.| Horses for Sources | No Boundaries
Did you know that the average time a US employee spends reading up on their company health insurance coverage is...| Horses for Sources | No Boundaries
The growth of enrollment in self-insured employer plans holds the tremendous promise of systemic change in US healthcare without the drama of national politics. It opens new opportunities for service providers, technology enablers, and consumers. It will unleash new business models, better health outcomes, and potentially address the runaway train of healthcare costs.| Horses for Sources | No Boundaries
COVID-19 shone a bright light on life sciences with unprecedented results—enterprises getting the new COVID-19 vaccine to market in less...| Horses for Sources | No Boundaries
In October 2022, HFS said goodbye to the Top 10’s and welcomed HFS Horizons, a forward-looking construct to evaluate service...| Horses for Sources | No Boundaries
Watch the videocast, here Sandeep Dadlani, Executive VP and Chief Digital and Technology Officer at UnitedHealth Group (UHG), the world’s...| Horses for Sources | No Boundaries
HFS Research has gone where no one has been before as we take a serious look at benefits outsourcing and...| Horses for Sources | No Boundaries
Rohan Kulkarni| Horses for Sources | No Boundaries
It’s been exactly two years since ChatGPT 3.0 hit the streets and dramatically changed the AI conversation. One of the...| Horses for Sources | No Boundaries
The noise surrounding GenAI has reached insufferable proportions – literally, everyone has to voice their opinion on it, regardless of...| Horses for Sources | No Boundaries
The great GenAI paradox: It can make you dumber| Horses for Sources | No Boundaries
Management is more than dolling out tasks and conducting awkward performance reviews… it’s about getting to know what makes your people tick. Today's unstructured work environment is based on trust and closer emotional relationships between managers and colleagues| Horses for Sources | No Boundaries
When every tech firm is pounding out an identical narrative to seize their pound of GenAI marketing flesh, who better...| Horses for Sources | No Boundaries
Melissa O'Brien| Horses for Sources | No Boundaries
2022 was the year where many peoples’ lifestyles trumped their commitment to their jobs; however, that attitude today might just...| Horses for Sources | No Boundaries
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.| Horses for Sources | No Boundaries
Tony Filippone| Horses for Sources | No Boundaries
Saurabh Gupta| Horses for Sources | No Boundaries
Phil Fersht| Horses for Sources | No Boundaries
If you can’t move your people, then move your code — Services-as-Software is the new trade route| Horses for Sources | No Boundaries
Is Rabbit R1 the biggest AI let-down yet? Even Satya was fooled…| Horses for Sources | No Boundaries
Welcome to the era of Services-as-Software… where the lines between services and software are blurring| Horses for Sources | No Boundaries
Some technologies struggle to fulfill their potential and need to be laid to rest. However, there are technologies that simply...| Horses for Sources | No Boundaries
We are hurtling towards a US presidential election in which only a small proportion of people are fully aware of...| Horses for Sources | No Boundaries
I wanted to share publicly that I am backing Kamala Harris for President. While she has been relatively new to...| Horses for Sources | No Boundaries
Why do enterprises buy services? Because they need “work” performed that can be managed more effectively by people outside of...| Horses for Sources | No Boundaries
IT and BPO services have been on an incredible run for the last quarter of a century, enjoying the relentless...| Horses for Sources | No Boundaries
Global Capability Centers (GCCs)… The direction Indian IT must take to pivot from cost to value| Horses for Sources | No Boundaries
Global Capability Centers (GCCs)… The direction Indian IT must take to pivot from cost to value| Horses for Sources | No Boundaries
