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Articles by Tim Gray
Beyond Mainframe Modernization: Reimagining Enterprise Applications for an Agentic World
The term ‘mainframe modernization’ is itself out of date. Modernization used to mean upgrading the technology. AI has made it about reimagining the business. Introduction The term “mainframe modernization” has been associated with infrastructure and technology modernization projects rather than business transformation.
Modernizing Core Banking Systems: A Strategic Guide for Financial Leaders
As banks lean into enterprisewide agentic AI adoption, they are once again confronting a familiar reality: their most critical core banking workloads are decades old applications that have become bottlenecks for AI adoption and modernization initiatives.
Reimagining mainframe applications with AWS Transform and Claude Code
Your mainframe applications encode decades of critical business logic in COBOL and PL/I. That logic processes millions of transactions daily, and it is a valuable asset. But the business demands around that logic are changing faster than the legacy applications can adapt. A bank launching new digital products needs event-driven processing across every channel, not nightly batch reconciliation.
Under the Donroe Doctrine, Alberta's oil belongs to the U.S.
The choice is stark. We can continue clinging to oil, hoping a new American imperial thirst to directly control natural resources doesn't turn toward Canadian territory, all while watching the global market for our oil product evaporate. Or we can pivot toward renewable energy, securing both our sovereignty and our economic future. Want to make sure your whole office has the full Hill Times experience?
Taking a comprehensive perspective to mainframe application modernization with a disposition strategy | Amazon Web Services
Migration & Modernization Introduction Mainframe customers face a myriad of options to modernize. Organizations now face urgent imperatives to modernize due to talent shortages, high and often rising costs, and restrictions on business agility imposed by the legacy environment. Customers also find themselves navigating a multitude of modernization patterns, tools, and strategies.
Don’t Blame AI for PR’s Credibility Problem
A recent Unite.ai piece examined how AI has transformed PR research – making it faster to collect data, spot trends, and produce media-ready findings, but also harder to guarantee accuracy and trust. That observation captures a real tension in the industry, and it deserves a deeper look. The problem isn’t AI itself; it’s how easily speed can outpace judgment. AI has certainly made PR faster. But as we know from driving, faster isn’t always the smart way forward.
Tech 10 - Episode 5: Money20/20: Reflections From Amsterdam (Video)
Tech 10 is a video series exploring the key questions driving technological change and innovation today. Across 10 episodes in 2025, we bring the future of technology to the forefront of the boardroom agenda, homing in on the hottest trending topics – from AI to tech modernisation, cybersecurity and privacy to data foundations.
AWS named a leader in the ISG Provider Lens Mainframe Application Modernization Software 2025 report | Amazon Web Services
AWS strengthens its position in mainframe modernization with innovative AI-powered solutions and proven customer success “AWS offers the broadest portfolio with AWS Blu Age and partner tools. It supports clients with skilled consultants and a wide ecosystem throughout their modernization and cloud optimization for performance, security and compliance.” – Pedro L.
How Much Should Retail Banks Spend On Digital And AI? How Much Is Enough?
It was not too long ago that we witnessed the emergence of the digital-first challenger banks. These digital natives were free from the shackles of legacy technology and bolstered by robust investor backers, big ambitions, and a revolutionary mindset. They seemed poised to upend the competitive dynamics in financial services. Many of us will also recall Atom Bank formally registering as a bank in 2015.
Complex Tech Program Leadership Series #5: Spot The Early Warning Signs - Is Your Digital Transformation Program In Trouble?
A AlixPartners More AlixPartners is a results-driven global consulting firm that specializes in helping businesses successfully address their most complex and critical challenges. Digital transformation projects often fail due to ambitious scopes, complex tech, and poor execution. Key red flags include persistent issues, vague reports, exhausted teams, and lost trust. Early intervention and targeted action can rescue distressed programs. United Kingdom Technology
Complex Tech Program Leadership Series #6: Better Safe Than Sorry - What Value Does An Assurance Partner Bring To Complex Tech Program Delivery?
A AlixPartners More AlixPartners is a results-driven global consulting firm that specializes in helping businesses successfully address their most complex and critical challenges. Independent assurance partners are vital for complex IT programs, providing expert oversight to identify risks, ensure alignment with business goals, and maintain stakeholder trust. Their guidance helps navigate challenges, fosters continuous improvement, and delivers lasting business value. United Kingdom Technology
Complex Tech Program Leadership Series #5: Spot the early warning signs - Is your digital transformation program in trouble?
In this series, we have been exploring the ins and outs of managing technology transformations. We have highlighted the must-watch signals, and shared key insights on steering complex projects to success. Now, let’s dive into something that’s less glamorous, but still critical: the red flags that indicate a distressed program, and the steps to take to bring it back on track. Why do so many digital transformations fail?
Complex Tech Program Leadership Series #4: From Overwhelmed, To Overwhelming Success - How Leaders Can Stay On Top Of Complex Tech Programs
A AlixPartners More AlixPartners is a results-driven global consulting firm that specializes in helping businesses successfully address their most complex and critical challenges. The article outlines common causes of failure in complex technology programs, highlighting signs of leadership overwhelm and offering solutions, including clear roles, trusted tools, and proactive program management. United Kingdom Technology
Complex Tech Program Leadership Series #3: The Middle Is Messy - How To Take The Volatility Out Of Program Execution And Governance
A AlixPartners More AlixPartners is a results-driven global consulting firm that specializes in helping businesses successfully address their most complex and critical challenges. In one of our previous articles, we shared why complex technology programs often struggle. Struggling programs can not only harm investments, but also negatively impact careers, which is why it is vital to set them... Germany Technology
How To Avoid Business Disruption And Revenue Loss: The Perils Of Getting Data Migration Wrong In Your ERP Modernisation Programme
The pressure upon firms to transform and modernise continues to increase, with global spend on digital transformation estimated to more than double to $3.4tn by 2026, from $1.6tn in 2022.
How to avoid business disruption and revenue loss: The perils of getting data migration wrong in your ERP modernisation programme
The pressure upon firms to transform and modernise continues to increase, with global spend on digital transformation estimated to more than double to $3.4tn by 2026, from $1.6tn in 2022. Firms want to drive down costs, provide new and compelling customer journeys, and improve the speed and quality of supply chains, operations, and decision making.
Complex Tech Program Leadership Series: Groundhog Day – Why Do Complex Tech Programs Keep Failing And How To Get Them Right? - New Technology - Germany
For many years, complex tech programs have continued to fail too often, ruining investments, damaging organizations and ending promising careers. There does not seem to be a learning curve. To be clear: technology transformations are very hard to get right. A quick scan of the available research shows a consistently high failure rate of around 7/10 to 9/10, with Forbes stating that 84% of technology transformations fail to some degree, and that 50% just didn't go right at all.
Complex Tech Program Leadership Series - Groundhog Day: Why do complex tech programs keep failing and how to get them right?
For many years, complex tech programs have continued to fail too often, ruining investments, damaging organizations and ending promising careers. There does not seem to be a learning curve. To be clear: technology transformations are very hard to get right. A quick scan of the available research shows a consistently high failure rate of around 7/10 to 9/10, with Forbes stating “84% of Digital Transformation Projects fail to deliver real business value – 50% just didn’t go right at all”.
ESG funds are having a bad year
ESG funds are having a bad year , Wealth & Investing - THE BUSINESS TIMES
Investing for Your Values, but Betting on Growth
Mutual Funds|Investing for Your Values, but Betting on Growth https://www.nytimes.com/2022/10/14/business/mutual-funds/investing-environmental-social-governance-funds.html Socially conscious funds often hold lots of growth stocks, especially tech shares. That’s been painful this year, as the stock market has favored value stocks like energy and industrial companies. Send any friend a story As a subscriber, you have 10 gift articles to give each month. Anyone can read what you share. Oct.
It’s Been a Poor Year So Far for Municipal Bonds Original
The big perk of municipal bonds is that they are exempt from federal taxes. But that benefit comes at a cost: Their yields are usually lower than those of comparable taxable bonds. In May, the cost briefly disappeared, as the average yields on municipal bonds pulled even with those of U.S. Treasury securities. Investors were, in effect, enjoying municipal bonds’ tax benefits free. Unfortunately, another cost loomed.
International Bonds Can Give Your Investments a Smoother Ride
The bond market is reeling, recording its worst performance in decades. International bonds might help your portfolio ride out the turbulence. April 8, 2022, 5:00 a.m. ET International bonds can baffle even experienced investors. Add to that the fraught state of the world, with warfare and a pandemic, and it’s little wonder many people shy away from them. Yet international bonds may have a place in your portfolio.
Inflation Protection for Stocks and Bonds With TIPS
A TIPS fund can shield investors from inflation to some extent, but so can other choices, like real estate, dividend-paying stocks and commodities. Jan. 14, 2022 Judged by their name alone, Treasury Inflation-Protected Securities would seem a cure for one of today’s main investor anxieties: inflation. Alas, that name doesn’t tell all you need to know. A mutual fund or exchange-traded fund that invests in TIPS can help prevent rising prices from eroding the value of your investment portfolio.
Farmland Is Valuable, but Buying It Is Tricky for Fund Investors
Arable land is scarce and demand for food is rising. Mutual funds can capture some of that value indirectly. No mutual fund or exchange-traded fund exclusively owns pastures or fields. Instead, some hold the stocks of agribusiness companies or buy futures contracts for farm products.Credit...Angelo Merendino for The New York Times Oct. 8, 2021 Bill Gates has bought enormous tracts of farmland. Warren E.
President Biden Wants to Pour Money Into Infrastructure. Should You?
The world’s highways, ports, electric wires and roads need repair and upgrades. That could be an opportunity for funds investing in infrastructure. The New River Gorge Bridge in Victor, WV.Credit...Erin Schaff/The New York Times July 9, 2021, 9:00 a.m. ET Crucial bridges are decaying. The electricity grid is straining. And climate change, as it worsens storms, floods and wildfires, is intensifying problems.
Betting on Small Companies Yielded Big Returns
Small-cap value stocks rank among the market’s riskiest fare. But higher risk can bring bigger rewards, and in the first quarter, it did for three of the better-performing mutual funds. Each returned more than 20 percent by betting on small-cap value. Value investors are betting on stocks that they think are trading below their fundamental worth. Often, companies end up classified this way because they operate in out-of-favor industries or have had setbacks.
For Bonds, Add Safety by Venturing Abroad
Investors often neglect to add international bond funds to their investments. That failure can increase overall risk and raise the chance of missing savings goals. A broad range of international holdings can add stability to a domestic portfolio.Credit...Ulises Ruiz/AFP April 8, 2021, 10:00 a.m. ET Making your bond-fund portfolio less risky requires doing something that can feel like living dangerously: investing abroad.
The Stock Market’s Perplexing Rise Lifted Many Kinds of Funds
T. Rowe Price Latin America + 40 % + 30 + 20 + 10 0 O N D FOURTH-QUARTER RETURNS T. Rowe Price Latin America +33.7% Latin America stock +32.6% Third Avenue Value + 40 % + 30 + 20 + 10 0 O N D FOURTH-QUARTER RETURNS Third Avenue Value +35.8% World stock +15% Calvert Global Energy Solutions + 40 % + 30 + 20 + 10 0 O N D FOURTH-QUARTER RETURNS Calvert Global Energy Solutions +32.4% World small/mid stock +22.4% T.
These Bond Funds Might Offer Juicy Yields, and Unwelcome Surprises
Investing in a so-called unconstrained bond fund is like that team-building exercise where you fall backward into someone’s arms: It can work, but it requires a lot of trust. These funds prospect far more widely for their holdings than a typical core bond offering that might anchor a portfolio. They usually can buy bonds regardless of credit quality or country of issue. Often, they can also scoop up currencies, derivative and convertible securities, and even stock.
Spotify, Solar Power and Beer Cans: How 3 Investors Beat the Market
Managers of three of the third quarter’s top-performing mutual funds bet on a music streamer, a solar-panel installer and a beverage-can maker. Oct. 9, 2020, 5:00 a.m. ET In the third quarter, as the stock market defied the pandemic with its rise, managers of three top-performing mutual funds profited from bets as varied as music streaming, solar power and beer cans.
Dividend Funds Can Add Income, and Risk, to Your Portfolio
You can increase your investment income by buying a mutual or exchange-traded fund that owns dividend-paying stocks. Whether you should is a thornier question. Dividends can be dependable — many companies increase theirs year after year — but the prices of the stocks to which they’re linked won’t necessarily be so steady. A fund or E.T.F. of dividend payers provides no guarantee against losses.
USPS, CBP Not Implementing Law to Stop Flow of Opioids Into the Country
The U.S. Postal Service is failing to carry out a law designed to better screen foreign packages for illicit opioids and other products, with most countries falling out of compliance with new requirements and the Trump administration opting not to follow through on its implementation.
What was it like to buy $8.7 billion worth of stocks in March? A fund manager explains
Agencies His buying entailed bets on beaten-down companies, including Marriott International. By Tim Gray David Giroux, manager of the T. Rowe Price Capital Appreciation Fund, said buying $8.7 billion worth of stock in March, when the stock market was plummeting, was like preparing for a colonoscopy.
Investors Posted Returns So Great They Seemed Wrong
Bets running from coolers and campers to cloud computing helped three mutual funds trounce the S&P 500 in the second quarter. Wakeboarding, in which a rider on a board is towed by a motorboat, is a growing activity that lends itself to social distancing. July 10, 2020, 5:00 a.m. ET Returns on some types of mutual funds have been so lofty they look like typos.
An Investor Bought Billions in Stocks When It Really Hurt
As the market panicked in March, a fund manager told himself it was time to buy beaten-down stocks. But it made him queasy. “We always add when the market crashes,” says David R. Giroux, manager of the T. Rowe Price Capital Appreciation Fund. “But you always wonder, ‘Is this time going to be different?’” July 9, 2020, 5:00 a.m. ET David R. Giroux, manager of the T.
High-Yield Bonds Have Been Behaving a Lot Like Stocks
They have produced strong returns over long periods, but the March meltdown was a reminder that high-yield bonds can add to your troubles. July 9, 2020, 5:00 a.m. ET A high-yield bond sounds like a perfect investment combining gushing income with solid reliability. But if you owned high-yield bonds in March, when their value sank on pandemic fears, you got a rude reminder that, in times of stress and panic, these bonds can skitter and dive like stocks.
How to Profit in a Stock Market Downturn
Funds managed to flourish with diverse bets on Treasury bonds and small Chinese companies — and against select American stocks. Tiffany Hsiao, the lead manager of the Matthews China Small Companies Fund. April 16, 2020, 7:00 a.m. ET With the coronavirus spreading around the world, the vast majority of mutual funds found few refuges, with some falling 20 percent or more. But a select few funds managed to find profits.
How to Invest in the Military-Industrial Complex
Military contractors and aerospace companies could help hedge hard times, if you don’t mind what they are making. But it’s hard to find funds that focus on them. A United Launch Alliance Atlas V rocket, built by Lockheed Martin, took off from Cape Canaveral Air Force Station with a payload of a high frequency satellites last month. April 15, 2020, 11:56 a.m. ET When President Dwight D.
Opinion | Slash-and-burn policies fuelling climate crisis in Ontario
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Federal Cabinet should help Albertans. Rejecting the Teck Frontier mine is step one.
Alberta Premier Jason Kenney says that approving the Teck mine will be an economic boon, but is that the case? Let’s dig into this assertion When making decisions about massive new projects that will disrupt thousands of hectares of forest, add to carbon emissions and be active for four decades, citizens should expect their governments to use the best available information.
Health Care Costs Are Rising. Fund Returns Are Less Reliable.
In 2019, the industry’s performance was not quite as strong as the overall stock market’s. Some managers point to political uncertainty over health insurance and drug prices. Vertex Pharmaceuticals was one of the larger holdings of the T. Rowe Price Health Sciences Fund late last year. Jan. 17, 2020, 6:30 a.m. ET Until science beats death, disease and disability, the health care industry would seem a wonderful investment. Yet in 2019, it fell a bit behind the broader stock market.
Happy Results Turned Up Everywhere You Looked
The buoyant market toward the end of 2019 made investing look easy. There were tempting opportunities just about everywhere. Managers of three of the better-performing mutual funds of the fourth quarter made successful wagers of many kinds, like bets on small companies in Japan and a retailer in Canada, and investments in at-home fitness in the United States and the millennial generation’s love of pets. Fidelity Low-Priced Stock Joel C.
Opinion | We need to stop putting urban sprawl ahead of communities
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Opinion | We need to stop putting urban sprawl ahead of communities
When it comes to building strong cities and towns in Ontario, the province is moving backwards. Premier Ford's government is undoing years of work to build vibrant, walkable communities. Instead, it is making it easier to build 1960s-style car-dependent sprawl that will eat up some of Ontario's — and Canada's — best farmland, and will make a few developers rich while doing nothing to solve affordability issues. Let's take a look at how we got here and what can be done about it.
China’s Growth Doesn’t Ensure Mutual Fund Gains
Photo Millions of Chinese workers have moved to jobs in booming cities like Shanghai, above. That may benefit China's economy, if not mutual fund investors. ECONOMIC superlatives abound about China. It’s the world’s biggest auto market. It’s the largest producer of steel and, of course, the largest exporter. Yet there has been nothing extraordinary lately about the performance of China-focused mutual funds.
These Investors Prospered by Betting on Unloved Stocks
Image Jerome Dodson, lead manager of the Parnassus Endeavor Fund, said he tries to invest in good companies that are temporarily “out of favor.” Oct. 11, 2019, 5:30 a.m. ET Three of the better-performing funds of the third quarter thrived by scooping up bargains among stocks that other investors had shied from. All three funds consider themselves value offerings, meaning their managers favor stocks that look inexpensive based on common financial measures like price-to-earnings ratio.
Agriculture Funds Aim to Harvest Profit, Along With Corn and Wheat
Image Karin Chamberlain, director of impact investing for Clean Yield Asset Management in Norwich, Vt., says many of her firm’s clients are worried about climate change. She also raises lambs on her farm in New Hampshire. Oct. 11, 2019, 5:00 a.m. ET Two realities undergird the investment case for agriculture: The world’s population keeps swelling and everyone must eat.
As fresh water grows scarcer, it could become a good investment
Getty Images People have a sense of our water supply as infinite, but in reality, it’s finite and exhaustible. By Tim Gray Water is easy to take for granted. It falls from the sky, and, though it’s vital, we sometimes treat it as if it’s worthless. How often have you seen sprinklers running in the rain? Yet the prospect of shortages in the years ahead could make water a precious commodity. That represents an opportunity for investors.
Day Care and Dog Care Helped Plump These Funds’ Returns
Tweets and talk may have recently raged about trade wars and rising interest rates, but that pessimism didn’t hamper three of the second quarter’s better-performing mutual funds. They found winning investments with bets as varied as child care, pet health and banking. MFS Mid Cap Growth Fund The MFS Mid Cap Growth Fund aims to scoop up companies that can increase their earnings about 15 percent a year over the next three to five years or longer, said Eric B. Fischman, one of its two managers.
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