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Born in Chicago, Wendy began dancing with nuns who taught from ballet records. Her vast experiences in dance crossed the country from UCLA to Colorado College to NYU and landed her in Minnesota where she taught at Carleton College and served as a Roster Artist for the Minnesota State Arts Board, teaching in hundreds of schools across the state. Always a fighter and an advocate for a better tomorrow, she served as Board member during the transition from the Minnesota Independent Choreographer's Alliance (MICA) to the Minnesota Dance Alliance (MDA). With a committee of K-12 and college educators, she created and presented the Dance/Theatre license to the MN Board of Children, Families and Learning; with Michael Engel she wrote a K-8 Scope and Sequence in Dance and Theatre for the Minneapolis Public Schools; and with her charter school colleagues at Community School of Excellence, she led the courageous conversations to vote in the first ever wall-to-wall MN Charter School Union in which she served as Union President.
Es gibt verschiedene Arten der Kopfverformung und ganz unterschiedliche Gründe dafür. Aber egal bei welcher Verformung als Eltern kann man schon mal ganz schön erschrecken, wenn man feststellt, dass das Köpfchen des Kindes nicht ganz rund ist. Wir sprechen heute mit dem Mund-, Kiefer-, und Gesichtschirurgen Prof. Dr. Michael Engel über die verschiedenen Therapiemaßnahmen und geben euch Tipps mit an die Hand, wie ihr einer lagerungsbedingten Kopfverformung bestmöglich vorbeugen könnt. 02:54 Was sind Kopfverformungen und woher kommen diese?05:40 Wie kommt es zu einer Diagnose?07:56 Wann sollte man bei einem Verdacht zum Arzt?12:33 Wie viele Kinder sind davon betroffen?16:14 Gibt es präventive Maßnahmen, um eine lagerungsbedingte Kopfverformung vorzubeugen?____________WerbungEntdecke mamly – deine digitale Begleiterin durch Schwangerschaft und Mutterschaft. Diese App vereint die Weisheit von Achtsamkeitstrainerinnen, die Expertise von Schwangerschaftsexpertinnen und bietet direkte Unterstützung in 1:1 Gesprächen durch die mamly Coaches – und das alles ohne Wartezeit.Ein besonderes Highlight: Für Versicherte der Techniker Krankenkasse und der Debeka ist die Nutzung kostenfrei. Nutzerinnen anderer Krankenkassen können ebenfalls eine Kostenübernahme beantragen. Erfahre mehr über mamly und die Möglichkeiten zur Kostenübernahme auf www.mamly.de oder lade dir direkt die App herunter: https://onelink.to/mamlyappdownloadMamly findest du auch auf Instagram: @mamlyapp _____________21:56 Welche Therapiemaßnahmen gibt es? 25:24 Was ist die erste Anlaufstelle bei einem Verdacht auf Kopfverformung?_____________Hier findest du mehr Infos über uns, sowie weitere Tipps und Tricks rund um die Themen Schwangerschaft, Geburt und das Wochenbett: Instagram: https://www.instagram.com/hallohebamme/Blog: https://hallohebamme.deTikTok: http://tiktok.com/@hallohebammeYoutube: https://www.youtube.com/channel/UChZ8gv6ucjJ99xynspyWN6AFacebook: https://www.facebook.com/hallohebamme Hosted on Acast. See acast.com/privacy for more information.
Michael Engel ist 2019 den Camino Frances gepilgert: Er hat dutzende Pilger kennengelernt, spannenden Geschichten gelauscht, selber ursprüngliches Jakobsweg-Leben kennengelernt und aus all seinen Erlebnissen ein eigenes Buch verfasst: Siempre positivo, nunca negativo! Nun gibts auch eine offizielle Camino-Playlist, denn jedes Kapitel trägt den Namen eines Songs! Buch & Gespräch im Podcast - beides bekommt eine große Empfehlung vom Podcast-Host Marcus Poschlod. Hier kannst Du das Buch bestellen! Hier gehts zum Hörbuch von Michael Engel! Und wenn Du schon beim Bücher bestellen bist: Wenn Du den Camino-Podcast unterstützen möchtest, kannst Du hier Deinen Outdoor-Reiseführer über den Jakobsweg bestellen: https://linktr.ee/camino_podcast - Lieben Dank fürs Unterstützen! MEHR: Infos & Kontakt: www.camino-podcast.de Insta: camino_marcus Idee/Redaktion/Sprecher: Marcus Poschlod Sounddesign: Jonas Zimmermann & Hans-Jörg Karrenbrock (DANKE!) Der Camino-Podcast wird dankenswerter Weise unterstützt vom Conrad-Stein-Verlag & DOMRADIO.DE --- Send in a voice message: https://podcasters.spotify.com/pod/show/jakobsweg/message
The Spearo Hangout | Spearfishing, freediving and foraging in the UK and beyond
Hi All, This week we talked with Michael Engel, he's a Danish spearo who has only been spearfishing for a short period of time, but has accomplished a lot already! He talks about how you can turbo charge your spearfishing journey. Check him out: Instagram: https://instagram.com/mic_engel
Ein Gespräch mit Michael Engel, dem Trainer des erfolgreichsten Teams im Rollstuhl Basketball. In dieser Podcast Folge gibt Michael hilfreiche Tipps, wie wir in unseren Flow kommen und mit unserer Zeit sinnvoll umgehen können.
Elijah Del Medigo (1458-1493) was a Jewish Aristotelian philosopher living in Padua, whose work influenced many of the leading philosophers of the early Renaissance. His Two Investigations on the Nature of the Human Soul uses Aristotle's De anima to theorize on two of the most discussed and most controversial philosophical debates of the Renaissance: the nature of human intellect and the obtaining of immortality through intellectual perfection. In this book, Michael Engel places Del Medigo's philosophical work and his ideas about the human intellect within the context of the wider Aristotelian tradition. Providing a detailed account of the unique blend of Hebrew, Islamic, Latin and Greek traditions that influenced the Two Investigations, Elijah Del Medigo and Paduan Aristotelianism: Investigating the Human Intellect (Bloomsbury, 2016) provides an important contribution to our understanding of Renaissance Aristotelianisms and scholasticisms. In particular, through his defense of the Muslim philosopher Averroes' hotly debated interpretation of the De anima and his rejection of the moderate Latin Aristotelianism championed by the Christian Thomas Aquinas, Engel traces how Del Medigo's work on the human intellect contributed to the development of a major Aristotelian controversy. Investigating the ways in which multicultural Aristotelian sources contributed to his own theory of a united human intellect, Elijah Del Medigo and Paduan Aristotelianism demonstrates the significant impact made by this Jewish philosopher on the history of the Aristotelian tradition. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/new-books-network
Elijah Del Medigo (1458-1493) was a Jewish Aristotelian philosopher living in Padua, whose work influenced many of the leading philosophers of the early Renaissance. His Two Investigations on the Nature of the Human Soul uses Aristotle's De anima to theorize on two of the most discussed and most controversial philosophical debates of the Renaissance: the nature of human intellect and the obtaining of immortality through intellectual perfection. In this book, Michael Engel places Del Medigo's philosophical work and his ideas about the human intellect within the context of the wider Aristotelian tradition. Providing a detailed account of the unique blend of Hebrew, Islamic, Latin and Greek traditions that influenced the Two Investigations, Elijah Del Medigo and Paduan Aristotelianism: Investigating the Human Intellect (Bloomsbury, 2016) provides an important contribution to our understanding of Renaissance Aristotelianisms and scholasticisms. In particular, through his defense of the Muslim philosopher Averroes' hotly debated interpretation of the De anima and his rejection of the moderate Latin Aristotelianism championed by the Christian Thomas Aquinas, Engel traces how Del Medigo's work on the human intellect contributed to the development of a major Aristotelian controversy. Investigating the ways in which multicultural Aristotelian sources contributed to his own theory of a united human intellect, Elijah Del Medigo and Paduan Aristotelianism demonstrates the significant impact made by this Jewish philosopher on the history of the Aristotelian tradition. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/jewish-studies
Elijah Del Medigo (1458-1493) was a Jewish Aristotelian philosopher living in Padua, whose work influenced many of the leading philosophers of the early Renaissance. His Two Investigations on the Nature of the Human Soul uses Aristotle's De anima to theorize on two of the most discussed and most controversial philosophical debates of the Renaissance: the nature of human intellect and the obtaining of immortality through intellectual perfection. In this book, Michael Engel places Del Medigo's philosophical work and his ideas about the human intellect within the context of the wider Aristotelian tradition. Providing a detailed account of the unique blend of Hebrew, Islamic, Latin and Greek traditions that influenced the Two Investigations, Elijah Del Medigo and Paduan Aristotelianism: Investigating the Human Intellect (Bloomsbury, 2016) provides an important contribution to our understanding of Renaissance Aristotelianisms and scholasticisms. In particular, through his defense of the Muslim philosopher Averroes' hotly debated interpretation of the De anima and his rejection of the moderate Latin Aristotelianism championed by the Christian Thomas Aquinas, Engel traces how Del Medigo's work on the human intellect contributed to the development of a major Aristotelian controversy. Investigating the ways in which multicultural Aristotelian sources contributed to his own theory of a united human intellect, Elijah Del Medigo and Paduan Aristotelianism demonstrates the significant impact made by this Jewish philosopher on the history of the Aristotelian tradition. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/intellectual-history
Elijah Del Medigo (1458-1493) was a Jewish Aristotelian philosopher living in Padua, whose work influenced many of the leading philosophers of the early Renaissance. His Two Investigations on the Nature of the Human Soul uses Aristotle's De anima to theorize on two of the most discussed and most controversial philosophical debates of the Renaissance: the nature of human intellect and the obtaining of immortality through intellectual perfection. In this book, Michael Engel places Del Medigo's philosophical work and his ideas about the human intellect within the context of the wider Aristotelian tradition. Providing a detailed account of the unique blend of Hebrew, Islamic, Latin and Greek traditions that influenced the Two Investigations, Elijah Del Medigo and Paduan Aristotelianism: Investigating the Human Intellect (Bloomsbury, 2016) provides an important contribution to our understanding of Renaissance Aristotelianisms and scholasticisms. In particular, through his defense of the Muslim philosopher Averroes' hotly debated interpretation of the De anima and his rejection of the moderate Latin Aristotelianism championed by the Christian Thomas Aquinas, Engel traces how Del Medigo's work on the human intellect contributed to the development of a major Aristotelian controversy. Investigating the ways in which multicultural Aristotelian sources contributed to his own theory of a united human intellect, Elijah Del Medigo and Paduan Aristotelianism demonstrates the significant impact made by this Jewish philosopher on the history of the Aristotelian tradition. Learn more about your ad choices. Visit megaphone.fm/adchoices
Elijah Del Medigo (1458-1493) was a Jewish Aristotelian philosopher living in Padua, whose work influenced many of the leading philosophers of the early Renaissance. His Two Investigations on the Nature of the Human Soul uses Aristotle's De anima to theorize on two of the most discussed and most controversial philosophical debates of the Renaissance: the nature of human intellect and the obtaining of immortality through intellectual perfection. In this book, Michael Engel places Del Medigo's philosophical work and his ideas about the human intellect within the context of the wider Aristotelian tradition. Providing a detailed account of the unique blend of Hebrew, Islamic, Latin and Greek traditions that influenced the Two Investigations, Elijah Del Medigo and Paduan Aristotelianism: Investigating the Human Intellect (Bloomsbury, 2016) provides an important contribution to our understanding of Renaissance Aristotelianisms and scholasticisms. In particular, through his defense of the Muslim philosopher Averroes' hotly debated interpretation of the De anima and his rejection of the moderate Latin Aristotelianism championed by the Christian Thomas Aquinas, Engel traces how Del Medigo's work on the human intellect contributed to the development of a major Aristotelian controversy. Investigating the ways in which multicultural Aristotelian sources contributed to his own theory of a united human intellect, Elijah Del Medigo and Paduan Aristotelianism demonstrates the significant impact made by this Jewish philosopher on the history of the Aristotelian tradition. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/european-studies
Elijah Del Medigo (1458-1493) was a Jewish Aristotelian philosopher living in Padua, whose work influenced many of the leading philosophers of the early Renaissance. His Two Investigations on the Nature of the Human Soul uses Aristotle's De anima to theorize on two of the most discussed and most controversial philosophical debates of the Renaissance: the nature of human intellect and the obtaining of immortality through intellectual perfection. In this book, Michael Engel places Del Medigo's philosophical work and his ideas about the human intellect within the context of the wider Aristotelian tradition. Providing a detailed account of the unique blend of Hebrew, Islamic, Latin and Greek traditions that influenced the Two Investigations, Elijah Del Medigo and Paduan Aristotelianism: Investigating the Human Intellect (Bloomsbury, 2016) provides an important contribution to our understanding of Renaissance Aristotelianisms and scholasticisms. In particular, through his defense of the Muslim philosopher Averroes' hotly debated interpretation of the De anima and his rejection of the moderate Latin Aristotelianism championed by the Christian Thomas Aquinas, Engel traces how Del Medigo's work on the human intellect contributed to the development of a major Aristotelian controversy. Investigating the ways in which multicultural Aristotelian sources contributed to his own theory of a united human intellect, Elijah Del Medigo and Paduan Aristotelianism demonstrates the significant impact made by this Jewish philosopher on the history of the Aristotelian tradition. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/italian-studies
Der Saarländer Michael Engel hat sich einen Traum erfüllt. 2019 machte er eine Pilgerreise auf dem Jakobsweg. Rund 800 km ging es zu Fuß bis nach Santiago de Compostela. Mehr über seine Pilgerreise auf dem Jakobsweg verrät er in SR 3 Aus dem Leben
Growing up in Western North Dakota with 4 brothers and 2 wiry parents, I enjoyed many movement moments such asdodging, running, rolling, spinning, chasing, and jumping whileusing many props such as dirt clods, snow balls, footballs, andfrisbees. After taking my first modern technique class in collegein 1974, I realized that dance epitomizes the ‘recreation' ofmovement for movement's sake, exactly what I had enjoyedabout childhood backyard and sideyard adventures.I pursued an Education Major for a year at the U of Mn butwas soon taking more Dance Technique / Theory than Educationclasses so I changed my major to Dance Performance / DanceEducation. For the next 20 years, I worked as a professionaldance artist, studying, teaching, and performing many dancegenres, from modern to theatrical, ballroom to world folk dances.What follows is a list of the dance companies I worked forand their founders over these 20 years. Instructional DanceTheater –Molly Lynn, Contemporary Concert Dancers – GeolWeirs, New Dance Ensemble / Lab – Linda Shapiro and LeighDillard , Maria Cheng and Dancers – Maria Cheng, and ContactWorks – Patrick Scully. I also worked with several independentdancers to put on our own shows. And I co-founded a dancecompany with my wife Wendy; Ansley / Engel Dance, ARepertory Company of Solos and Duets. We did shows andresidencies in various States and locations around the country.During this time I was also an Artist in Residence in dozensof school districts throughout Minnesota and North Dakota whilealso choreographing solo and group work for various dancers,dance companies, and theaters. I choreographed 2 productionsat the Guthrie Theater, The Tempest and As You Like It.In 1994, I joined the Minneapolis Public Schools as alicensed specialist teaching Dance and Theater, K- 8 Grades. Iwas allowed to teach without a license for 3 years and by 1997,doing evening and weekend classes, I had completed a Master'sDegree in Education with an Elementary Teaching license at St.Thomas. Later, when MN finally developed a teaching license forDance, I went back to school at Mankato University to get adance license. From 1994 to 2014 I worked at 5 Mpls PublicSchools; Webster Open, Anne Sullivan Communications, Ramseyand Folwell Performing Arts Magnets, and North Star Elementary.Besides teaching dance and theater classes I alsodeveloped the skills and a curriculum to teach Video Literacy toMiddle Schoolers. And I developed curriculums integrating danceand theater arts literacy with math, science, and language artsliteracies. After leaving MPS, I was hired by Heart of Dance andtrained by ‘Dancing Classrooms' to teach 6 Ballroom dance formsto 5th graders. I worked for that amazing organization for threeyears in about a dozen schools in the Twin Cities area.In these last few years as an aging dancer I have beenfortunate to be able to keep doing work, to being challenged andawed by this craft I began in 1974. I did a solo from the 80's atthe 2012 50th Anniversary of the Walker Center Choreographer'sEvening directed by Patrick Scully. And I have hugely enjoyedworking with Gerry Girouard and other dancers on his pursuit ofand gifts for creating new contact improvisational structures.Also, in those years before COVID, there has grown stronginterests in Group Improvisational gatherings. Some were calledDance Church, among other names, and were located in variousdance spaces around town, including a church. Engaging withthese movement gatherings were a highlight of my dancing lifebefore such indoor group dancing came to a halt. They wereoften the only way I could experience a delicious sweet sweatdancing my butt off in close contact with other
!!!!!!!!!!GROBER VERSPRECHER DER SALON IST IN MURNAU !!!!!!!! Michael Engel Mein Gast spricht über die Entscheidung die 4 Tage Woche in seinem Salon einzuführen. Welch vorteile ergeben sich daraus für Ihn und ist es ein Modell das wir in unsere Salons übernehmen können?
Technology continues to reshape our world and has been accelerated by the pandemic. As you rethink processes for the new environment, you may be asking how technology can help improve efficiency and effectiveness. This podcast is the next episode in the second season of our What’s next? podcast series for CFOs, controllers — anyone in finance. This season we’re focusing on what’s next in tech for the finance professional — discussing the benefits of technology through the lens of the finance function. In this episode, host Heather Horn sits down with Michael Engel, intelligent automation leader at PwC Innovation Labs, to discuss Robotic Process Automation (RPA) and the ways finance professionals are embracing the RPA movement.Topics include:0:48 - What is RPA? We begin by talking about the evolution of RPA and how it has developed into an accessible and approachable technology that is being used today by finance teams to automate a broad range of activities and processes.6:25 - Beyond upskilling. Often, it is wrongly assumed that RPA means replacing employees. We discuss the cultural change needed for the widespread adoption of RPA tools—which means going beyond offering training sessions. 11:27 - Identifying the right pain points. We discuss the importance of proactively identifying what should and should not be automated, and then talk about some of the benefits of RPA, beyond just the cost savings.22:18 - What we’re seeing in practice. Michael addresses some common RPA adoption questions, including how RPA aids in attracting top talent and what the next level of RPA looks like. Michael Engel, a PwC managing director and intelligent automation leader at PwC Innovation Labs, is focused on applying intelligent automation in support of business transformation. With over two decades of experience, Michael supports clients in extending, enhancing, enriching, and empowering their organizations in the extraction of genuine business value. Heather Horn is PwC’s National office thought leader, responsible for developing our communications strategy and conveying firm positions on accounting and financial reporting matters. She is the engaging host of PwC’s accounting and reporting weekly podcast and quarterly webcast series, as well as periodic webcasts for the power and utilities industry. With over 25 years of experience, Heather’s accounting and auditing expertise includes financial instruments and rate-regulated accounting.
Show Notes and Links Flo and Julian talk with Michael Engel who went from teaching operating systems fundamentals in Germany to researching sustainability at the NTNU in Norway. Discuss the episode in Matrix room #ukvly:matrix.org or on Freenode IRC #ukvly. Send feedback to podcast@ukvly.org or via Twitter. Resources Dirty ships Plea for a Holistic Analysis of the Relationship between Information Technology and Carbon-Dioxide Emissions emscripten Fabrice Bellard’s x86 emulator written in JavaScript Purism, makers of the Librem laptops and the [Librem 5 phone](https://puri.sm/products/librem-5/ Openmoko Michael Engel’s blog Project Oberon: The Design of an Operating System and Compiler by Niklaus Wirth Plea for Lean Software by Niklaus Wirth School of Niklaus Wirth Computer Latency 1977-2007 Oberon FPGA-system DIGITAL FX!32:Combining Emulation and Binary Translation
Back in March of 2011, Eric Hosmer and Sal Perez hadn't even played in Omaha yet, and we started a crazy little Royals podcast. Through controversial trades, odd managerial moves, slumps, surges, winning streaks, and a couple of playoff appearances, we've been here to discuss it all, culminating in a World Series and the following rebuild.This is our final episode. All things must end, and this seems the right time. With an ownership change ahead, a new manager, and a new wave of players in the pipeline, we're stepping away leaving behind 8 years and 9 seasons. It's been an absolute joy. We've always tried to do our show our way and the things we've been able to do and people we've been able to meet ... it's been crazy. On behalf of our founder Troy Olsen, our incomparable host Jeff Herr, the kid in the back of the classroom throwing spitballs Chris Kamler, and myself: Thank you for listening. If you've been here since day one, my gosh, thanks for sticking with us. If you only just found us, I'm sorry for the rough timing...but we have plenty of past episodes online.For this episode, we invited Troy and Chris back to join us and just sat down and talked about the experience, our memories, our favorite guests and moments, and just had a lot of fun hanging out. There's not much in the way of Royals news, but we had a lot of fun and I hope you give it a listen. (ALSO: Should warn you that there is some cursing, as we just kinda let it go for this one.)If nothing else....here's the rundown of the episode if you want to bounce around:Open: Mike McCartney, the voice of Kauffman Stadium, reads a soliloquy we handed him sometime in maybe 2012.From there, it's the four of us talking about everything.At 1:30:15, a compilation of the moments we've covered during the run of the show: "Everyone's an MVP to Someone"1:35:30 - The Fake Ned Minute1:41:25 - an old Kelly's ad: "Barhopping"1:42:28 - another ad: "Spit Cup"1:44:30 - Compilation: "Royals Are The Champions:1:47:30 - Outtakes: "Kamler is summoned"1:47:49 - Outtakes: "A Great Opportunity!"1:48:15 - Outtakes: "Sponsorships"1:49:50 - The best tribute to baseball I can imagine: A. Bartlett Giamatti reading "The Green Fields of the Mind"Follow us on Twitter:http://twitter.com/KCBaseballVaulthttp://twitter.com/TheJeffReporthttp://twitter.com/michaelengelhttp://twitter.com/DFFVoicehttp://twitter.com/TheFakeNedThank you, and as always, go Royals.-Michael Engel
Summary: On this episode of COMMERCE NOW, we discuss how cloud-based banking is really booming and what FIs can do to be on the front side of this upswing. Related Content: COMMERCE NOW Site Diebold Nixdorf Site Transcription: Scott Anderson: Hello again. This is Scott Anderson, your host for this episode of COMMERCE NOW. As some of you have heard, cloud-based IT is booming, even with the core applications of the banks. Scott Anderson: Although migration from conventional IT infrastructures to the cloud can be complex, once it's done, it offers interesting opportunities, not to mention enormous savings potential. Scott Anderson: Today, I'm joined by Michael Engel, Managing Director and Vice President for banking software at Diebold Nixdorf. And on this episode of COMMERCE NOW, we will [00:00:30] discuss how cloud-based banking is really booming and what FIs can do to be on the front side of this upswing. Scott Anderson: Welcome, Michael. Thanks for joining me today. Michael Engel: Hey, it's a pleasure, Scott. Thanks for having me. Scott Anderson: Before we dive in, Michael, I know you quite well, but why don't you begin by telling our audience a little bit about yourself and your background? Michael Engel: Thank you, Scott. I'm in the industry for 20 plus years now and always worked in software and financial industry, [00:01:00] so I have seen a lot of iterations of technology. So all the way from the good solid host-based environments that a lot of FIs are still running, to now all these latest technologies driving banks and FI's around the globe. Michael Engel: So therefore, I would say I have a good view of the historic aspect, [00:01:30] but also as part of my job, talking to customers around the world, and also to technology providers around the globe, have a fairly good understanding of the dynamics in different geographies and markets, towards what is still under discussion and what is basically real and what is in production today. Scott Anderson: Excellent. [00:02:00] And really appreciate that you're joining us with that global point of view. And if we target our focus then to today's topic, can you kick us off and briefly discuss cloud-based software and why you think that's been growing in popularity lately? Michael Engel: Well when we talk about cloud-based software, it is more than just putting a piece of functionality into a central located data center [00:02:30] that is accessible through standard protocols and is hosted by a central organization that gives basically, a cost advantage based on a dynamic usage model. Michael Engel: That is what most people immediately have in their mind, but it's much more than that. It is all around technology around that, so the whole idea of containerization, the whole idea of APIs [00:03:00] to be used and consumed and the whole tools in order to create software, to test software, to deploy software to run and operate. And all of these pieces are now coming from the mobile phone. Michael Engel: This is really, really cool and a bunch of nerds across the globe are looking into that. Into it has become [00:03:30] now, into a state of maturity where, now conservative organizations such as banks are seriously looking into that and the front runners are actually exploring that mission critical application, post development and operation and so showing extremely good results. And then that is what brought us to the point [00:04:00] that from being a buzzword and being the cool thing around the block, it has matured into, it is actually real enough and mature enough for a mission critical environment such as special services industry. Scott Anderson: Interesting. So I know that there are several trailblazers out there globally and you've touched on a couple of their examples and aside from costs, what other [00:04:30] benefits, you know, if we have some financial institutions listening in today, how can you assure them that there are benefits beyond cost with cloud based software? Michael Engel: Well, again, let's, let's fundamentally look at what is happening elsewhere in the industry. And then if you look at, for instance, companies such as Amazon, if you look into Amazon, not as a cloud service provider but as a retail organization, then by [00:05:00] and large the entire Amazon platform. So the shop that you see where you go and look for stuff to buy, but also the whole logistic engine, even engine behind that, everything is a very dynamic infrastructure. Why? Because Amazon has realized that they're living in a very fast changing environment and if they're not able to [00:05:30] adapt changes from the market, changes from customer behavior, integration of new products and services into their offering, then they're falling behind and they no longer stay relevant for their consumers. So as a result, they have worked intensively with other technology providers on a end to end, so called continuous improvement, continuous deployment, delivery chain, [00:06:00] tool chain. Michael Engel: And as a result of that, they are basically creating an ongoing living organism of software that will evolve itself every give and take 12 months. So basically no code in there is legacy code. Everything gets constantly updated, enhanced, improved, and by that, change. Now that is exactly [00:06:30] how a lot of these smaller fintechs are today operating. They are not better or smarter, they are simply faster. And they are faster by utilizing latest technology in order to adapt to customer demands. And in order to automate servicing their customers, you do this by using software which is obvious. But only if your software infrastructure is able [00:07:00] to adapt the rate of change, then you have a real chance to stay ahead of the game. And that is what if you now think about the traditional bank, one of the biggest headaches that the CIO of the bank has, because by and large, the core functionality of the bank and there are parts of bank sells basically virtual parts, mortgages, [00:07:30] not tangible, consumer loans, not a tangible product. Michael Engel: It is basically a digital product. Now if your core infrastructure that creates those products, that manages those products that sell these kinds of products, is sitting on a whole space infrastructure that's 30 years old, and it's very hard to change and very hard to maintain and basically your IT guys are telling you, "Well once or twice a year we can do a minor update [00:08:00] to that system but won't touch anything because it might break." Then this is not really exactly the agile environment that you are looking for in order to compete in a faster and faster moving market. Michael Engel: So and that realization triggered for a lot of front running banks, the question of how do I get to a end to end tool chain that allows me in the same [00:08:30] way like Amazon does it or other tech company do it, how can we utilize really an end to end agile process of deployment? Because today a lot of these agile processes stop right in front of production. So you have people in an agile setup developing new functionality but then the host team says, "Well guys, very nice but two [00:09:00] releases a year. Thank you very much." Michael Engel: Now how to get there. And then this is exactly where we have worked with major FIs to have a look, the tool chains and the technology from how you define functionality and how you develop functionality and how you test and how you deploy functionality. Michael Engel: How to bring that into the context of your requirements of a FI with regards to stability, [00:09:30] reliability and also adding the context of prebuilt microservices functionality for a financial services organization. And that is basically the underlying driving force here. It is not so much predominantly to get the cost advantages of cloud deployment. It is getting into a much more agile way of creating new services for the bank's customers, [00:10:00] and then on top of that be able to deploy the new much more cost effective environment than before. Scott Anderson: Hmm. So if I think about the conservatism of most financial institutions, at least historically speaking, certainly the CIOs are looking at this with an open mind. But if we, if we think about the paradigm of legacy processes like a C-Systems, you know, this demand to go agile yet [00:10:30] still have happening to be waterfall at the end delivery point. You know, how does cloud based software, how would we articulate this to the people who actually have to do the heavy lifting in the financial institutions? Is this, are we automating steps and making their life easier that have been manual in the past? How would you describe that to them? Michael Engel: Well yeah, for a certain time you're actually doing things in parallel. So what you usually do is a step by step approach. You take a certain set of functionality [00:11:00] and you would move that off your existing, cost heavy infrastructure and put that into a much more lightweight or a cost effective production environment. And by the savings you are getting out of that you have so to speak freed up budget for new innovation investments. Michael Engel: So, and when I say that it is, it is a process that takes some time and yes, you are at risk in a risk [00:11:30] environment where you need to keep running the bank within the existing infrastructure that you have inherited, while you're building up a new infrastructure that allows you to create in the CICD, the paradigm code and the creation of the code, the deployment of the code, the containerization of the code and then the hardware permission and software orchestration [00:12:00] is at the end of the day fully automated. Michael Engel: So a lot of the tasks that have been very manual and therefore costly and therefore a lot of dependencies including all the test and integration work is not really end to end automated. So whenever today developers in our organization create some new code, every night that runs through automated processes, will automatically be packaged into containers, will automatically be provisioned [00:12:30] to the, to the respective part. We're using for instance tangible scripts for the software orchestration. We use open source technologies such as the need is, and then we deploy that really in an open source environment. And then a lot of this functionality that does work for you, in the past was highly proprietary, highly costly. And then in the meantime it is in its majority based on open source and that open source [00:13:00] because it's now used by millions and millions of people has reached a robustness level, a maturity level and gives you cost performance ratio that is really unseen before. Michael Engel: And that makes it so exciting. So it has moved from, again, out of that nerdy corner into really mainstream availability and robustness. And this automation [00:13:30] then allows us to step by step, move more chunks on the existing whole space infrastructure over to this type of environment. And you get with every step that you take more and more cost advantages and gain more and more speed. And that is what FI's are now looking into. So what are some of the less mission critical things that I can get some early wins on? Can test the waters, I can get some experience with this [00:14:00] technology. And as it shows improvement in cost advantages, I can basically migrate more and more steps, chunks from my dynamic key infrastructure over to that cloud base environment. Again, the cloud at the end of the day is just the representation of the operational infrastructure. Behind there is much more of the, the adoption of open source technology, [00:14:30] the adoption of that CICD thought process and the adoption of tools and technologies. Michael Engel: Just to give you an example, what I mean with that. So if we are addressing topics such as the infrastructure for managing payments within the bank where more of the core parts of the bank to the retail bank today. Then we usually do that in a very high available, high available fault tolerant [00:15:00] environment. And in order to do that, you usually have effective deployments of those solutions. And as of today, if you want to run really even active/active mode, you need to synchronize data to keep those two sides that run active/active in synchronization. Now there is proprietary, very good software available to do that. But it's also very costly. And as of today we [00:15:30] are able to do this really at a fraction of the cost with open source tools and technology. So we're using, for instance, for the data replication between sides an open source technology called Kafka, which is performing extremely well. Michael Engel: Even in the largest installations with the largest data loads that we are working on, even those top tier FI's. So just a little example of in the past, [00:16:00] very specialized proprietary software, very costly, today can be easily replaced by open source technology. However you still need to have the knowledge on how to utilize that technology in order to ensure data integrity and then synchronize data across sites. But again, just a little example of step-by-step replacing traditional very high costly software infrastructure by open source [00:16:30] technology in the cloud. We have done this now with a bunch of FI's globally, successfully and the results are amazing. Scott Anderson: So if I have my chief operating hat on or chief information officer hat on, you're convincing me of the benefits, but I'm a little reluctant to buy into how easy this conversion would be. Can you talk about what typical conversion processes look like to go from my traditional heavy data center operation to a cloud based operation? Michael Engel: [00:17:00] Don't get me wrong. I'm not saying it's easy, I'm saying it's doable. But it takes knowledge, it takes investment and it takes some time in order to do that and the majority of the focus should be really in understanding, managing and operating that true change. And then that is much stronger as it is doable, but you need to have a set of good people that can help you [00:17:30] with that. And you need to have also a strategy on how to do it in the step by step migration because again, at the end of the day you still need to run a bank. However, the results and the benefits you are getting out of that are so immense, that tt is really worthwhile your. But the caution that I'm taking here is, it's not like snapping a finger and you're there. It is new technology, [00:18:00] it's mature technology, but it is also still a complex thing. If you have some help and you do have some guidance it is really manageable, and again the results are extremely beneficial. Scott Anderson: So when you keyed on how this can be considered somewhat newer technology and I guess the risk adversity of, of some financial institutions, they have more of a wait and see mentality or I'll, I'll follow the leader, see how they do [00:18:30] you know, what is your view on how cloud based products have become better or more reliable over time? Michael Engel: Well again the, the reliability comes through the mass usage because every system is only as good as it is fault tolerant, and how many hours went into usage and finding of bugs and eliminating bugs. And that is to a large extent [00:19:00] the advantage here of the open source technology community and also the cloud based technology. Because of the wide usage, all the cloud technology in production today and also the open source technology and tools around that, due to the fact that over the years now millions and millions have used it, it has reached the maturity level that before only [00:19:30] very expensive, proprietary technology could give you. Michael Engel: So you get so to speak, the maturity level and the robustness by the multiplication of usage across the globe and you inherit those benefits out of all the endless hours that went in there. But the same goes for topics such as security because we see that in a lot of cyber-attacks today, that guy sits in the inside, so our systems are hacked with inside know-how and there is only so much security that you can prevent from the inside and in a regular bank, you usually have a team that handles this. This [00:20:30] is a number of 10 people, 20 people, and maybe 100 people. If you look at what organizations such as Amazon are doing, they have 10 times the amount of specialists, engineers and technology in place because of sensitivity in order to protect this type of cyber- attacks. Michael Engel: And again in that sense there are sitting men on the outside side versus we usually [00:21:00] have half what we saw over the last years mainly happening. People who are inside the axis attacking problems with those kinds of systems. Scott Anderson: So just touching on, you did hit the elephant in the room. Security certainly is of major interest I think to most FIs and looking at you know, all the publicity around data breaches and what have you. Just a little bit deeper on that Michael. So [00:21:30] if a bank is looking at this, what are the considerations for public cloud versus private cloud versus maybe a hybrid approach? Are there differences they should be thinking about? Michael Engel: At the end of the day, it will always be an individual decision. And it has also to do with regional legislation and certification processes, things like that. So, you have certain countries where it is very clear about the legislator that certain data needs to stay in the country [00:22:00] for various reasons. So there are constraints that will decide whether you go public or private cloud and there are pros and cons on both of that. So I'm not saying that one or the other is the better choice. But again the decision to go public or private cloud again is only looking at the end state of deployment. Michael Engel: If we consider what I said before, the cloud [00:22:30] is just a final representation of a fundamental shift on how you develop software, how you use tools, how you use an end to end agile approach to create software that will lead your organization into an agile state of mind that lets you stay ahead with your competition. Then the final decision, [00:23:00] whether you want that on your own data center or that sits on to somewhere else. It's actually a minor, is a minor decision and again, the needs we look at on an individual basis, what the cost advantages versus the certification slash legislation complications are on a case by case basis. [00:23:30] We have brilliant examples for those, we have very large FIs that who operate today, operate only in the public cloud. Michael Engel: We have other customers that run on private cloud or in regional cloud type of environment. Either way is fine. The main benefits comes more from the adoption of a fundamental paradigm change, paradigm shift. Scott Anderson: So with that I [00:24:00] think let's, let's come back to cost reduction. I know we've talked a lot about the other benefits around this, but if we look at the cost of this, what kind of cost reduction volume are we talking about here roughly? Is there an ROI that can be realized in a relatively quick manner? Thinking about this for a, I'll call it a large regional or a national bank, what does that look like? Michael Engel: Well, what can you see it, and again, every case has, we looked at individually, but you can take certain data in terms of [00:24:30] how much transaction volume do you have, how much processing capacity do you need? And you can look at your, your legacy environment and there are formulas on how to project that into a cloud environment. But, a rule of thumb, we have seen across the globe a cost reduction for the operational environment, so the platform in terms of MIPS and database [00:25:00] and just space and everything else around always North of 90% cost reduction towards a traditional mainframe based operational environment. Scott Anderson: So quite doable. Something that absolutely needs to be on the radar for people to look at this. Michael Engel: Oh yeah. We had an FI that went recently, even from a host space environment to a already lightweight [00:25:30] cost effective Linux server environment for their production. However, and this is a very large FI running tens of thousands of branches and ATMs and whatsoever. They're current lightweight operational infrastructure right now runs on annual $10 million bill. If we would have put that into a public cloud infrastructure, and we haven't even [00:26:00] calculated the sort of speed that having adoption of utilization into that, but that would go down from roughly 10 million to below 400K just to do ... Scott Anderson: Per year? Michael Engel: Per year. Scott Anderson: Wow. Michael Engel: Just in order of magnitude. From the operational end. Scott Anderson: So you've touched on seeing examples globally. I'm curious where are you seeing the biggest and fastest move to cloud based banking? Is it a phenomena in certain countries? What's driving that and what can others expect [00:26:30] and when's it going to hit them? Michael Engel: What you see is this is a global phenomenon, and you have the technology savvy banks or the first movers already deep inside that process of adoption. They have been so to speak playing around with this since years already. So they have got their feet wet on the whole agile development, the all open source technology [00:27:00] topic, the whole open banking API idea. And now the deployment into the cloud is, so to speak with the final step of putting everything on a new, much more agile, creation of design creation, deployment and operating infrastructure. And yeah, we are talking to banks about that in Australia and Asia, and Europe [00:27:30] and the Americas so it is basically everywhere. And you have much more of the traditional early adopters, fast followers, slow movers type of scenarios in each country. But there is not a particular and geo that is faster than the other. Michael Engel: You do see, however, in some countries extreme fast moves because they're coming so to speak from behind. They're catching up and they're [00:28:00] just jumping over a couple of iteration steps in, in technology and go directly to such a quote and quote cloud based type of strategy. Scott Anderson: Interesting. Michael Engel: And by the way, when we say cloud, I always mean a, what some people refer to a cloud native strategy, so it's much more than take your existing application and just apply it somewhere at the central data [00:28:30] center, it is really that end to end idea of how to create, in an agile manner, code that is really designed to be and take advantage of the capabilities of an agile, also agile environment, of a cloud operation infrastructure. Scott Anderson: Oh that's a good point. I think so it's not just virtualization of a piece of software, it's the whole end to end process around it. Michael Engel: Right. I mean in a lot of cases [00:29:00] the just virtualization of an existing application is a good step to get familiar with the subject matter and get some experience but it doesn't change the dynamics and again, the key change that we see here in the dynamics is how do I transform my organization to be much more nimble and agile in responding to market changes [00:29:30] and customer demands. And again, if my production environment that is in its core as it says, 30 years old and I still need to send a program out to a programmer to accept my demands, I am in a tough spot. Michael Engel: And that is the dilemma that a lot of banks are in, because they also know that just changing the core banking system [00:30:00] is a very difficult task and cost most of the CIOs their career. How do we get there, how do we get there? And that is where we see to really create a step by step approach that we build up in parallel to the existing infrastructure and by reallocating existing processing capabilities and capacities to cloud, daily cost advantages that allows you to finance and [00:30:30] process over time. Scott Anderson: Michael, I really appreciate the inputs here. I think it's provided some clarity and hopefully given some food for thought to folks who have heard about this, but not really thought much around how it would impact them and how they could implement. I think at this point, this is a great place to wrap up the conversation. We could talk for hours on this, but thank you again Michael for joining us and thank you to all of our listeners for joining us today. To learn more about topics like these, [00:31:00] log on to Diebold Nixdorf.com or click on the link in the podcast show notes below. Until next time, keep checking back on iTunes or however you listen to our podcasts for new topics on COMMERCE NOW.
The 2019 Royals season is officially underway and it's - so far - a little exciting and a little underwhelming.They won two games but the bullpen has been shaky, and the Royals have missed a couple of early opportunities for wins. Nonetheless, some, like Brad Keller, Adalberto Mondesi, Jorge Soler, and others have stepped up early.Are the Royals doomed? Is this a brief glitch? Will Kyle Zimmer get a shot to shut down games? Well, it's too early to tell, but we'll find out over the next 157 games.Follow the Vault at @KCBaseballVault. Follow host Jeff Herr at @TheJeffReport, co-host Michael Engel at @michaelengel. You can also email feedback to KansasCityBaseballVault@gmail.com. And remember to rate us and subscribe on iTunes.
The Royals found a replacement for Salvador Perez and did some juggling of the pitching staff as Opening Day approaches. After catching up on the news of the day, we made some predictions. Using Baseball Prospectus's PECOTA projections, we picked a few players and stats and guessed at if a player would surpass or fall short of the mark. It's one of our favorite shows to record every year, and this time was no exception. Hear our thoughts on Adalberto Mondesi, Brad Keller, Whit Merrifield, Jakob Junis, and more.And also, a programming note...at the top of the show we made the announcement that the 2019 season will be the final season of the Kansas City Baseball Vault podcast. We started this ride in March of 2011, but the time comes for everyone. We'll spend 2019 catching up with old friends and going out having a blast talking baseball. We plan on doing a few events this year to celebrate, and keep an eye on our Twitter account for information about such gatherings. Follow the Vault at @KCBaseballVault. Follow host Jeff Herr at @TheJeffReport, co-host Michael Engel at @michaelengel. You can also email feedback to KansasCityBaseballVault@gmail.com. And remember to rate us and subscribe on iTunes.
The baseball free agency market is finally shaking loose. Manny Machado is getting his big payday. Mike Moustakas landed another one-year deal. Alcides Escobar will be an Oriole.The Royals snagged some free agents as well, all to bolster the 2019 pitching staff.After an AL-worst bullpen in 2018, how will the additions of Brad Boxberger, Jake Diekman, and Drew Storen shake out? Is there anything left in the tank for Homer Bailey? How strange will future offseasons become?We discuss it all this week on the Vault.Follow the Vault at @KCBaseballVault. Follow host Jeff Herr at @TheJeffReport, co-host Michael Engel at @michaelengel. You can also email feedback to KansasCityBaseballVault@gmail.com. And remember to rate us and subscribe on iTunes.
So far this offseason has been very quiet, but one of the milestones each winter is the publication of prospect rankings. Two of the big ones - Baseball Prospectus and Baseball America - recognized some Royals prospects, though, interestingly different groups.In the here and now, we also discussed the new contract for Whit Merrifield, including what it means for the roster, the minor league rising stars, and the Royals contention window. Mostly, it's a nice payday for Whit and allows him to avoid the arbitration process. The Royals, in return, get to bank on a young player but have some cost certainty in place. Follow the Vault at @KCBaseballVault. Follow host Jeff Herr at @TheJeffReport, co-host Michael Engel at @michaelengel. You can also email feedback to KansasCityBaseballVault@gmail.com. And remember to rate us and subscribe on iTunes.
It's been quiet this offseason with a lot of attention in Kansas City going to the Royals' next-door neighbors, but we took time this week to talk about an old friend who'll be back in 2019.And since everyone is looking to the past these days, we looked at the up and down journey of Kyle Zimmer, who's back with the Royals after signing a one-year MLB deal. Speaking of big names who had injury problems...15 years ago this month the Royals signed slugger Juan Gonzalez in hopes of keeping the belief alive and taking the AL Central. It didn't go well, but the look back can be fun!Follow the Vault at @KCBaseballVault. Follow host Jeff Herr at @TheJeffReport, co-host Michael Engel at @michaelengel. You can also email feedback to KansasCityBaseballVault@gmail.com. And remember to rate us and subscribe on iTunes.
After a couple weeks off for the holidays, the Vault is back.And during that break, the Royals signed Terrance Gore. We discuss the Royals focus on adding team speed and his likely role within the organization. While we're hesitant to say that he will play much of a role, he's definitely got speed, as we've seen ourselves over the years.The Royals also acquired two players during the Rule 5 draft, selecting Sam McWilliams out of Tampa Bay's organization and trading for Chris Ellis (drafted by Texas in the Rule 5 draft out of the St. Louis Cardinals organization). Both hope to follow in the footsteps of last year's breakout Rule 5 pick Brad Keller, and the Royals have innings to spare.We also took a look at the list of Royals Hall of Fame candidates who are on the ballot. There are some significant names this year, including Bo Jackson and Johnny Damon, but we also discussed the legacy of David DeJesus and the what if of Yordano Ventura as candidates. Follow the Vault at @KCBaseballVault. Follow host Jeff Herr at @TheJeffReport, co-host Michael Engel at @michaelengel. You can also email feedback to KansasCityBaseballVault@gmail.com.
Is the Royals outfield wide enough? Are the Royals throwing away their shot? Kansas City sure didn't wait for it and went out and signed center fielder Billy Hamilton. It might be nice to have Hamilton on our side. On top of that move, the Royals signed utility man Chris Owings, and carved out some space on the 40 man roster to make room for likely Rule 5 picks as they finish up a somewhat busy but curious Winter Meetings. Programming note: While what you've known as BP Kansas City is being absorbed into the larger Baseball Prospectus site, if you're subscribed to our podcast through iTunes or another app, you should still continue to receive new episodes as they're published just like you always have. Follow the Vault at @KCBaseballVault. Follow host Jeff Herr at @TheJeffReport, co-host Michael Engel at @michaelengel. You can also email feedback to KansasCityBaseballVault@gmail.com.Subscribe to the podcast via iTunes and BlogTalkRadio. You can also download this episode here (mp3).
The Royals took aim at locking down their 40 man roster, purchasing the contracts of three pitchers, claiming one and designating another for assignment.As they massage the roster, they also have some arbitration offers to consider. What will be the fate of Cheslor Cuthbert, Jesse Hahn, and Brian Flynn? Is new claim Conner Greene a good pickup? Hey, who's this Arnaldo Hernandez fella? And did you say Ross Gload? What's he got to do with these guys?(spoiler: nothing but we got distracted for a second)Along with those decisions, we discussed the hiring of Mike Matheny and if he's picking out furniture for Ned Yost's current office or not (and who the alternative Managers-in-waiting might be). Follow the Vault at @KCBaseballVault. Follow host Jeff Herr at @TheJeffReport, co-host Michael Engel at @michaelengel. You can also email feedback to KansasCityBaseballVault@gmail.com.
Maria speaks with Dr. Michael Engel, a research affiliate at the American Museum of Natural History and Professor of Ecology and Evolutionary Biology, about his book "Innumerable Insects". This book tells the story of the planet's insects with rare photos from the museum's rare book collection. Learn more at amnh.org.
Maria speaks with Dr. Michael Engel, a research affiliate at the American Museum of Natural History and Professor of Ecology and Evolutionary Biology, about his book "Innumerable Insects". This book tells the story of the planet's insects with rare photos from the museum's rare book collection. Learn more at amnh.org.
Summary: Devon Watson and Michael Engel discuss all things Connected Commerce. In this episode, both touch on the unparalleled services and technology that are essential to evolve in an 'always on' and changing consumer landscape. Resources: Blog: Connected Commerce: It’s Not Just for Retailers Exploring the Path to Connected Commerce Advertorial: Michael Engel on Pymnts.com COMMERCE NOW (Diebold Nixdorf Podcast) Diebold Nixdorf Website Transcription: Devon Watson: This is commerce now. My name is Devon Watson, chief marketing officer for Diebold Nixdorf. Really excited this week. We have Michael Engel here with me. We're in Phuket, Thailand, meeting with our Asia Pacific team and talking about all things connected commerce. So Michael, if you could please just give us a quick intro, tell us a little bit about what you do with the company. You and I bumped into each other all over the world. Uh, give us, uh, just kind of quick background, who you are, what you do. Michael Engel: Well, my background has been in suffer all my life more or less professional life, um, and in banking. So, um, I've been traveling around the world talking to different customers and my job is officially being responsible for our software sales globally in banking. But the nice side effect of that is that you can talk to customers and you listen to customers and having that privilege, getting so much knowledge from the different geographies and then being able to consolidate all of that and drive that back into our R and d organization. That is the fun part really of the job. So really getting to know what is happening in the market, where the concerns of our customers, but also see the different cultures, the different drivers in those markets really bring together that knowledge that we can then utilize and transformed that into innovations and products and solutions so that that's what it's basically all about. Devon Watson: Yeah. So you're, you're kind of a really important glue between the customer base and the product slash r and d organization, which is just a fantastic place to be in. You obviously are in a global role. So I imagine that you might have a fantastic frequent flyer mile account. Do you know how many miles he did last year meeting with customers? Michael Engel: A bunch. So accumulated there probably in the seven digit number. So I'm not truly sure if that's a good number. Yeah, Devon Watson: it's kind of like winning the, uh, the race that you never wanted to enter. Exactly. Exactly. Well, so this customer connectivity, right? The amount of time that you spend around the world meeting with customers. Can you give us a little bit of flavor about the Fintech Revolution? Right. So, uh, I think last year there was some like $26,000,000,000 went into financial technology, startups and innovation and a lot of the customers that I talked to at conferences and in my travels they're wrestling with how do they respond to that? How do they incorporate that? Can you tell us a little bit about, you know, what you're hearing around the world. Michael Engel: Well, I strongly believed that fintechs are positive disruption of our industry. The reason why I say this is banks are there to provide the element of trust which very good and very important. However, in the past you to regulations and also the tendency to stick as human beings to the known and that's also in business and the business processes created an environment where although bangs for very sound, organizations that were also very hard to move. And if we look into our society today, then technology has made an amazing seeing happen. And that is the cadence and speed of innovation that we see today. So if you look into the past then you had like every hundred years and major invention then every 50 years, every 20 years, every year, and now we're not talking years anymore. It's really down to months or weeks or even days when you see the new and next thing coming up. Michael Engel: So that speed of innovation at the same time is a very good thing because it's enabling us today was utilizing that technology. So just think about what you do today with your smartphone or your tablet in terms of ordering your ticket for coming here, checking in, organizing transportation to the hotel, getting recommendations were to die and where to stay. So you basically organize everything that took in the past couple of weeks to prepare that trip. You do that and a couple of clicks. So that enablement is what people like today, this is what people want, but that is also what they know because in every commercial transaction there's this financial element involved. Now expect also from the bank to support that. So this is the big challenge where now these fintechs are coming in and say, okay, here is little sweet spot and we create based on that technology, a solution for that particular sweet spot, which is good because that gives some or bring some dynamic into this whole world at the same time it starts a thought process within the bank to say, okay, we need to be in a similar way like those fintechs. So how can we embrace the results coming out of the Fintech, how can we integrate that into our own it environment and how can we even leverage our strengths of the element of trust being a sound financial organization and that speed of innovation and bring all of that together. That's Devon Watson: the real trick, right? So, so at a, at a corporate level, you know, we've engaged some different ways in this wave ourselves. So we're a, we're a member of Fintech 71, which is a selarator primarily for financial technology companies, uh, bringing together a bunch of different innovation hubs in the U. S we're also a member of workbench, which is a venture capital and startup, a innovation fund in New York City, and we're working with startup companies and large companies as well in R and d portfolio. Clearly. So, you know, we're engaged in it. The banks are engaged in it. When you talk to a customer for the, you know, for the bankers listening to us, you know, what would your advice be on how our customers and dibels next door can work together to kind of ride this wave navigated as partners? Michael Engel: Yeah. You mentioned the term glue in the beginning in terms of how we transform, um, so to speak knowledge that we pick up from the market and bring that back into our own organization. If I'm in a certain way, bangs need similar glue because on the one side they, they sit on a wealth of data and information about what we do as customers was any financial transaction that we execute. Well, leveraging that information is still yet to come. Um, second thing is you have all this existing financial, uh, information including the business processes sitting in different core banking systems, but they're very much siloed, so there's not much connectivity between data in one bucket to the data turn, another bucket, and if you think about the evolution of the IT industry is all about taking data, taking processes that are manual today and automate them and really bringing this together as the fundamental idea of what we do in connected commerce. Michael Engel: So we're kind of the glue bringing all of these elements together and bring that to the end consumer because that's the important thing. So how can we get better, more automated processes to a customer because to me it's beyond the traditional view of you have a bank and you have a Fintech, the Fintech as the innovator that shakes things up and let you think to innovate and to thrive. Now some of the technologies that are used in there, like the whole idea of the API economy, blockchain, all of that. These are just enablers, but these enablers go beyond the financial industry per se. It involves us as a consumer. It involves every solution provider or retailer or merchant that's out there because in any transaction we don't think banking. We think buying a car, getting a new house, I'm traveling to book it now. That is what we want to do and if this consumer customer journey, we need to involve a sort of financial transaction, whether that's buying flight ticket or whether it's getting the mortgage for the house. Michael Engel: If we bring those elements together through an API economy, that is what really consumers are expecting from us and this is where I also see as the role of the bank being that aggregator, being that glue and as Sdi service provider, we need to provide the frameworks, the components that make that process faster so banks will not start from scratch building that way. So they are looking to guys like us to say, okay, is there something in the box that is open source technology that are prebuilt components that are frameworks, that are tools that are interfaces precertified based on all the government regulations that you have from the world. Services that you can give me to gain more speed to accelerate, to be in the best meaning of the word. More Agile. Devon Watson: No, that's very helpful. And I think one of the things that I'm hearing kind of loud and clear, you know, talking to clients, talking to you know, our subject matter experts and thought leaders like yourself is this mind shift from thinking in terms of channel silos to now thinking in terms of more holistic consumer journey and how to enable that end to end and play a larger role in that kind of commerce supply chain if you will. Well this has been a great conversation. I always love learning from, you know, our guys that are out there with the customers on the front lines talking to customers around the world and I think that ability to take knowledge from one place transpose it on a global basis is probably one of the more powerful things that we bring to the market. So like kindle. Thank you very, very much. Michael Engel: Maybe one last word on that. I'm traveling around the world has two aspects to it. On the one side, you'll see all the variety and differences in the different geos and is important for us to understand that there is no one size fits all on the one side. However, there are certain similarities and fundamental elements that we need to provide and to really find a balance of how much standardization infrastructure of frameworks that can be reused globally do we need to provide, which is important for r and d organization, but how can we also be very flexible to put in the regional flavors, what is really needed in a certain society, in a given economical environment. I think that is what we've learned out of history that no, there is not a one size fits all, that we drive from the US, from Europe, from wherever into the world is really understanding the local needs while bringing that together in a standardized set of components and frameworks and that is represented in the whole connected commerce idea. Devon Watson: Fantastic. No great stuff. Really appreciate the time. This was a fun conversation. I hope. I hope our listeners are learning from these and uh, look forward to seeing you again somewhere else around the world. Thanks.
The Royals made a couple more moves since our last episode, so we recapped the dearly departed, including some minor league free agents.But with new free agents come new signings, so we discussed the signing of post-hype prospect Michael Ynoa to a minor-league deal. It's low-risk, high-reward, which is right in line with how the Royals should approach the offseason. Once 2019 starts, though, the Royals may show some new flexibility within the pitching staff. Comments from Dayton Moore suggest some openness to experimenting with the bullpen and how some players are used. The Royals might - gasp - go a bit outside the book next season. With a lot of arms available, but no marquee names projected for the big club, we weighed the pros and cons, and speculated about how long the experiments might actually last when all is said and done.Follow the Vault at @KCBaseballVault. Follow host Jeff Herr at @TheJeffReport, co-host Michael Engel at @michaelengel. You can also email feedback to KansasCityBaseballVault@gmail.com.
Innumerable Insects: Before I saw it myself, a reader alerted me that she’d come upon a new book I shouldn’t miss, called “Innumerable Insects.” “I’m just a nurse interested in the world, not a biologist.” said Teresa in her kind... Read More ›
The 2018 season is over, and we're now starting to see some transactions and roster decisions being made.For the Royals, their 2019 team is not likely to change that much from the team that ended 2018, but there are definite opportunities to improve the team for next year and beyond. We discussed how active they might be and where they may try to direct their attention. While most of baseball looks at the big names, the Royals will be out of the marquee free agent battleAlong with that discussion, we also talked about some of the next wave of talent and some of the difficulties of developing and moving talent up the ladder.Follow the Vault at @KCBaseballVault. Follow host Jeff Herr at @TheJeffReport, co-host Michael Engel at @michaelengel. You can also email feedback to KansasCityBaseballVault@gmail.com.
Every season, amidst the fun and games of spring training, we set some over/under marks for particular players and judge where we think they'll land. This year, our array of predictions were hit and miss, but the journey is half the fun, right? We reviewed the predictions from March, what went right, what went wrong, and what was close.Along with the over/under judgments, we also reviewed some bold predictions from before the 2018 season. Did we miss entirely? Did we nail them? Similar to the Royals disappointing-turning-into-optimistic season, it was a little of both.Follow the Vault at @KCBaseballVault. Follow host Jeff Herr at @TheJeffReport, co-host Michael Engel at @michaelengel. You can also email feedback to KansasCityBaseballVault@gmail.com.
For the fifth time in their history, the Royals have reached 100 losses. That's not good, but we tried to add some perspective to the mark, in light of the Royals decent and much-more-watchable second half of the year.Along with that is the emergence of Whit Merrifield as a consistent and dynamic star, Adalberto Mondesi as a hopeful phenom, and Ryan O'Hearn as a power-hitting giant. We focused mostly on Merrifield's efforts this year and his consistency all season long, but Mondesi and O'Hearn have been so good that they sneak their way into any Royals discussion these days.We also took a glance at the MLB playoff picture, including a potential chaotic finish, an easy team to root for, and some proposed changes to the playoff system. Follow the Vault at @KCBaseballVault. Follow host Jeff Herr at @TheJeffReport, co-host Michael Engel at @michaelengel. You can also email feedback to KansasCityBaseballVault@gmail.com.
It's been a difficult year, but the last month hasn't been so bad. A number of Royals have started hitting, including surprises like Ryan O'Hearn, and a couple of pitchers have been great.It makes for a more entertaining second half and an encouraging finish to the season.We discuss Jakob Junis, Adalberto Mondesi, Brad Keller, and O'Hearn as well as the very fun near-perfect game by Jorge Lopez. Follow the Vault at @KCBaseballVault. Follow host Jeff Herr at @TheJeffReport, co-host Michael Engel at @michaelengel. You can also email feedback to KansasCityBaseballVault@gmail.com.
This week we covered the end of Danny Duffy's season and the impact his varied ailments might have on him going forward. We also talked about the shifting perception of his contract and trade value.In other injury news, we expressed disappointment in Jorge Soler's setback during his rehab stint. After a strong start, a flukey injury shut him down and his season is over. We speculated on his role in 2019 and beyond in light of his abbreviated season.And then we covered some odds and ends: Ryan O'Hearn mashing, Whit Merrifield's great year, the Drew Butera trade, what to expect from Jerry Vasto and Ben Lively, and the emergence of Brad Keller and some other rookie arms who've shown promise this year.Follow the Vault at @KCBaseballVault. Follow host Jeff Herr at @TheJeffReport, co-host Michael Engel at @michaelengel. You can also email feedback to KansasCityBaseballVault@gmail.com.
On Wednesday, the Royals traded Lucas Duda for cash, opening up a roster spot just in time for September call-ups to start showing up. We discussed Duda's storied legacy in Kansas City from Day One to now. With the roster spot, a whole batch of minor leaguers could be called up to the majors, including some names who've been waiting for their shot like Frank Schwindel and Richard Lovelady, but some other players have a shot to come up too. And while Duda has departed, the Royals may have to make a few other moves to bring in the new crowd. We went over a few options.Follow the Vault at @KCBaseballVault. Follow host Jeff Herr at @TheJeffReport, co-host Michael Engel at @michaelengel. You can also email feedback to KansasCityBaseballVault@gmail.com.
Ya know, Luke Hochevar wasn't the all-star we may have hoped for after being the first overall selection in the 2006 draft, but he had his moments in his Royals career. We discussed his recent retirement and the up and down career Hoch experienced with the Royals.We also discussed some of the recent moves, including the release of Blaine Boyer and trade of Terrance Gore, plus the pitching staff adjustments that corresponded with a Danny Duffy DL designation.Finally, we took a glance at the standings and talked about the relative strength of each league as well as our current favorites from each side.Follow the Vault at @KCBaseballVault. Follow host Jeff Herr at @TheJeffReport, co-host Michael Engel at @michaelengel. You can also email feedback to KansasCityBaseballVault@gmail.com.
Mike Moustakas has been traded, but the world keeps turning. While we say goodbye to Moose, we say hello to Brett Phillips and Jorge Lopez, two former top-100 prospects who are ready for the big leagues right now.Is it the right move? Should the Royals have gotten younger prospects? And anyway, how does it fit with the current crop of Royals prospects?We talked about these things and the fun, new energy on the Royals lately. They're still pretty bad, but they're at least a little more fun.Follow the Vault at @KCBaseballVault. Follow host Jeff Herr at @TheJeffReport, co-host Michael Engel at @michaelengel. You can also email feedback to KansasCityBaseballVault@gmail.com.
The All-Star Break was good to the Royals and they came back somewhat rejuvenated in the second half. We discussed their positive week back, and the impact of some good, young starting pitching leading the way. Can it hold up in Yankee Stadium? We also discussed Mike Moustakas and his potential trade suitors. The trade deadline will have passed before our next episode, so we tried to size up the top possible locations, but it's still pretty murky out there. The Royals say they won't just give him away, but now is the best time to leverage a deal.Along with all that, we talked a bit about clubhouse leadership, Whit Merrifield's unique spot in recent Royals history, and the acquisition of Brian Goodwin.Follow the Vault at @KCBaseballVault. Follow host Jeff Herr at @TheJeffReport, co-host Michael Engel at @michaelengel. You can also email feedback to KansasCityBaseballVault@gmail.com.
The Royals limped...crawled...technically made it to the All-Star break and are on pace for a franchise-worst record. There weren't a lot of positives in the first half, but Jeff and Mike made some predictions in March and had to check on the status of those calls at the break. We discussed Jorge Soler, Alex Gordon, Jakob Junis, Mike Moustakas and more, plus a brief look at the Manny Machado trade and how it might impact the Royals over the next couple weeks.Follow the Vault at @KCBaseballVault. Follow host Jeff Herr at @TheJeffReport, co-host Michael Engel at @michaelengel. You can also email feedback to KansasCityBaseballVault@gmail.com. Email us a question and if we answer it on the air, we’ll send you a gift certificate to our friends at Kelly’s Westport Inn.
The way this season has gone, it's a miracle the Royals get an All Star representative (even if it's in the rules that they do...) but we discussed Sal Perez as this year's sole representative. He gets a sixth appearance in a row, despite a rough stat line.But that's the type of year it's been. And the Royals have also run into injuries, particularly in the pitching staff. We discussed injuries and shuffling among the Royals rotation as they limp into the All Star break. Then we discussed some of the fun players to watch the rest of the season and what we might learn.Also, somehow we ended up talking about Josh Brolin being cast as Ned Yost. It should totally happen.Follow the Vault at @KCBaseballVault. Follow host Jeff Herr at @TheJeffReport, co-host Michael Engel at @michaelengel. You can also email feedback to KansasCityBaseballVault@gmail.com. Email us a question and if we answer it on the air, we’ll send you a gift certificate to our friends at Kelly’s Westport Inn.
The Royals have had a terrible June and a miserable 2018, so when it comes to positive news, there isn't a lot to report. The Royals did promote two significant prospects though, sending Khalil Lee to Double-A and Nicky Lopez to Triple-A. We discussed their significance and what might be reasonable expectations.Then we talked about the rough June and what's out there to get excited about. From Brad Keller's emergence to Rosell Herrera's hustle, we pretty much covered the most exciting things lately, though the difficult year did bring up a question: Who's the actual all star for the Royals this year? In a season with few standout performers (and their best one on the DL), who should get to represent the team in the Midsummer Classic? Follow the Vault at @KCBaseballVault. Follow host Jeff Herr at @TheJeffReport, co-host Michael Engel at @michaelengel. You can also email feedback to KansasCityBaseballVault@gmail.com. Email us a question and if we answer it on the air, we’ll send you a gift certificate to our friends at Kelly’s Westport Inn.
With the Royals well below .500, the sell-off has started. It started a few weeks ago with Jon Jay, but he's only got a couple of months as a Royal on his resume. Kelvin Herrera, however, has been a Royals since 2006 and now goes to the Washington Nationals.Herrera was such a huge part of the Royals success in 2014 and 2015, and he's one of the more notable relievers in Royals history, so we chose to remember some key moments of his Royals career and our favorite highlights. We also discussed the trade itself: the prospects, the money, and what our general thoughts are about what Kansas City got back.We also covered the Jorge Soler injury and the call-up of Adalberto Mondesi and the Royals promise to play him often with him back in the big leagues.Follow the Vault at @KCBaseballVault. Follow host Jeff Herr at @TheJeffReport, co-host Michael Engel at @michaelengel. You can also email feedback to KansasCityBaseballVault@gmail.com. Email us a question and if we answer it on the air, we’ll send you a gift certificate to our friends at Kelly’s Westport Inn.
So your team just got shut out by the Reds. They've scored 23 runs in two weeks. What the heck do you do?Well, you look at a few positives, mostly some good performances from Ian Kennedy, Jason Hammel, and Danny Duffy. We talked about some of those starts, plus we assessed the Mike Moustakas trade market (even though Dayton Moore says they won't trade him just to trade him *wink*), and the imminent return of Jorge Bonifacio.We also discussed the Royals quick signing of a majority of their 2018 draft picks as well as their unsigned players and the remaining draft pool. We also talked about the significance of the last two changes to the draft pick signing deadlines and how a couple of Royals prospects have benefitted. We also took a look at the Royals minor leaguers who have been named All Stars in their league so far.Follow the Vault at @KCBaseballVault. Follow host Jeff Herr at @TheJeffReport, co-host Michael Engel at @michaelengel. You can also email feedback to KansasCityBaseballVault@gmail.com. Email us a question and if we answer it on the air, we’ll send you a gift certificate to our friends at Kelly’s Westport Inn.
A couple of weeks ago, we had Clint Scoles give us a preview of the Royals draft and now that the picks are all in, he joined us again to talk about the results. It's an unexpected set of picks, but there's talent there. Clint covers the big names, the approach, and what it means for the Royals future.We also discussed Brad Keller, Danny Duffy, a putrid Royals offense, and - unexpectedly - a Jon Jay trade that broke while we were recording.Follow the Vault at @KCBaseballVault. Follow host Jeff Herr at @TheJeffReport, co-host Michael Engel at @michaelengel. You can also email feedback to KansasCityBaseballVault@gmail.com. Email us a question and if we answer it on the air, we’ll send you a gift certificate to our friends at Kelly’s Westport Inn.
The Royals had some success this week, including some solid pitching performances by Brad Keller, Danny Duffy, and Jason Hammel. We covered some of the recent DL moves and the way it's shifted the pitching staff. We also discussed Jon Jay's successful May, Hunter Dozier's adjustment to the big leagues, and took another look at how trade values may be shifting.In a second segment, we looked at some year by year numbers to see how strikeout, home run, and hit rates have changed over the years. Of course, the strikeout and home run rates we see today are higher than in the past, but by how much? And how quickly have they shifted? We picked out some key seasons where things started to change, and how the game shapes up today as a result.Follow the Vault at @KCBaseballVault. Follow host Jeff Herr at @TheJeffReport, co-host Michael Engel at @michaelengel. You can also email feedback to KansasCityBaseballVault@gmail.com. Email us a question and if we answer it on the air, we’ll send you a gift certificate to our friends at Kelly’s Westport Inn.
After a week off, we got caught up and despite a poor record, we sought out some bright spots through the first two months of the season, including a few emerging bullpen arms, some developing trade value, "hacking" baseball strategy, and the optimism of baseball's annual draft. To help prepare for this year's draft, we brought on Clint Scoles to share his insight into the Royals draft approach, the benefits of their league-leading draft pool, and the potential players who may be available (and who best fit the Royals' plan). Clint has written extensively about these potential draft picks all year long, and we're happy to help share more of his thoughts. Follow the Vault at @KCBaseballVault. Follow host Jeff Herr at @TheJeffReport, co-host Michael Engel at @michaelengel. You can also email feedback to KansasCityBaseballVault@gmail.com. Email us a question and if we answer it on the air, we’ll send you a gift certificate to our friends at Kelly’s Westport Inn.
Jim & Trent talk Hawkeyes with John Bohnenkamp, why he voted Monte Morris and Peter Jok on the All American team for the AP and Michael Engel talks Royals.
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