CIO Technology Zero Based Budgeting 
Harvard Business Review
JULY 23, 2013
But it should be the CIO''s job. It''s time for CIOs to move beyond their roles as chief technology officers, and embrace the name with all of its implications: Chief Information Officer. At the same time, technology budgets are static or contracting, and non-IT execs want more attention to cost-cutting.
Harvard Business Review
SEPTEMBER 23, 2015
Like almost every other major industry today, banking relies on hugely complex, enormously expensive technology. I discovered that only one bank had a board member with some direct experience in technology and in that case it was as a sales executive. The truth is that many industries today employ outdated technology.
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