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Interestingly, with the exception of one trend (testing and use of blockchain technology), the trends and order of these trends were the same as last year. Last year’s trend of investment in innovation did not make the top 10 this year. The importance and underlying components of each trend differed in this year’s research compared to the predictions for 2017.

The fact that the list of trends identified by the financial services industry has remained relatively consistent could be a symptom of a greater problem. The banking industry is moving much too slow, and legacy firms are failing to differentiate themselves. According to Forrester, “In a market where one-third of all customers say ‘all banks are basically the same,’ it would make sense for executives and their teams to obsess over how to differentiate. Unfortunately, 2018 will look more like a digital arms race between warring incumbents than a year in which firms find new ways to specialize and create value for customers.”

Regarding changes in emphasis for this year’s trends, removing friction from the customer journey increased in importance from last year, with 61% of organizations placing this trend in the top three, compared to 54% last year. The trend around the use and application of data also increased in importance from last year, with 57% of those surveyed placing this in the top 3 for 2018, compared to 53% in predictions for 2017. Other notable shifts of importance included a greater belief that open banking APIs would be important, less emphasis on regulatory changes and a greater belief that advanced technology would have an impact in 2018.

When we asked financial services organizations worldwide about their top three strategic priorities for 2018, there was a significant change in priorities compared to last year’s research. While the order of the top three priorities remained the same as last year, the priority of reducing operating costs dropped from 41% last year to only 32% for 2018. At the same time, the priority of investment in innovation dropped from the 4th position to 7th, with the number of firms mentioning innovation falling from 26% to 22%.

The biggest jumps in strategic priority in 2018 were seen with the emphasis on automating core business processes (up 13%) and recruiting talent (up 8%). These shifts illustrate the growing importance of becoming a digital bank and the impact of this transformation on the types of employees required to address new challenges.

Here is what some of our crowdsource panel had to say about 2018.

Roberto Ferrari , Chief Digital and Innovation Officer at Mediobanca Group

Roberto Ferrari
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Integration is a way of adding slices to find the whole.

Integration can be used to find areas, volumes, central points and many useful things. But it is easiest to start with finding the area under the curve of a function like this:

What is the area under y = f(x) ?

Slices

But we don't have to add them up, as there is a "shortcut". Because ...

... finding an Integral is the reverse of finding a Derivative.

(So you should really know about Derivatives before reading more!)

Like here:

Example: What is an integral of 2x?

We know that the derivative of x is 2x ...

... so an integral of 2x is x

You will see more examples later.

After the Integral Symbol we put the function we want to find the integral of (called the Integrand),

and then finish with dx to mean the slices go in the x direction (and approach zero in width).

And here is how we write the answer:

We wrote the answer as x 2 but why + C ?

It is the "Constant of Integration". It is there because of all the functions whose derivative is 2x :

The derivative of x 2 +4 is 2x , and the derivative of x 2 +99 is also 2x , and so on! Because the derivative of a constant is zero.

So when we reverse the operation (to find the integral) we only know 2x , but there could have been a constant of any value.

So we wrap up the idea by just writing + C at the end.

Integration is like filling a tank from a tap.

The input (before integration) is the flow rate from the tap.

Integrating the flow (adding up all the little bits of water) gives us the volume of water in the tank.

Imagine the flow starts at 0 and gradually increases (maybe a motor is slowly opening the tap).

Astheflow rate increases, the tank fills up faster and faster.

With a flow rate of 2x , the tank fills up at x 2 .

We have integrated the flow to get the volume.

Example: with the flow in liters per minute, and the tank starting at 0

After 3 minutes ():

And after 4 minutes ():

We can do the reverse, too:

Imagineyou don't know the flow rate. You only know the volume is increasing by x 2 .

We can go in reverse (using the derivative, which gives us the slope) and find that the flow rate is 2x .

Example:

We can write that down this way:

a recording of a sound

In this new age, computers and the Internet are part of our everyday lives.

Our solutions must reflect our unique cultural diversity, creativity, and experiences, yet remain mindful of the diffuse new power structures of the age.
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These example sentences are selected automatically from various online news sources to reflect current usage of the word 'digital.' Views expressed in the examples do not represent the opinion of Merriam-Webster or its editors. Send us feedback .

Table Of Contents

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An attribute is a specific detail about a node. Attributes are used by the chef-client to understand:

Attributes are defined by:

During every chef-client run, the chef-client builds the attribute list using:

After the node object is rebuilt, all of the attributes are compared, and then the node is updated based on attribute precedence. At the end of every chef-client run, the node object that defines the current state of the node is uploaded to the Chef server so that it can be indexed for search.

So how does the chef-client determine which value should be applied? Keep reading to learn more about how attributes work, including more about the types of attributes, where attributes are saved, and how the chef-client chooses which attribute to apply.

Attribute Persistence

At the beginning of a chef-client run, all attributes except for normal attributes are reset. The chef-client rebuilds them using automatic attributes collected by Ohai at the beginning of the chef-client run and then using default and override attributes that are specified in cookbooks or by roles and environments. All attributes are then merged and applied to the node according to attribute precedence. At the conclusion of the chef-client run, the attributes that were applied to the node are saved to the Chef server as part of the node object.

Attribute Types

The chef-client uses six types of attributes to determine the value that is applied to a node during the chef-client run. In addition, the chef-client sources attribute values from up to five locations. The combination of attribute types and sources allows for up to 15 different competing values to be available to the chef-client during the chef-client run:

Attributes are provided to the chef-client from the following locations:

Notes:

An automatic attribute is a specific detail about a node, such as an IP address, a host name, a list of loaded kernel modules, and so on. Automatic attributes are detected by Ohai and are then used by the chef-client to ensure that they are handled properly during every chef-client run. The most commonly accessed automatic attributes are:

The list of automatic attributes that are collected by Ohai at the start of each chef-client run vary from organization to organization, and will often vary between the various server types being configured and the platforms on which those servers are run. All attributes collected by Ohai are unmodifiable by the chef-client. To see which automatic attributes are collected by Ohai for a particular node, run the following command:

An attribute file is located in the attributes/ sub-directory for a cookbook. When a cookbook is run against a node, the attributes contained in all attribute files are evaluated in the context of the node object. Node methods (when present) are used to set attribute values on a node. For example, the apache2 cookbook contains an attribute file called default.rb , which contains the following attributes: