value-add by software application across industries

End-user applications (not infrastructure) can be a catalyst and enabler in many fields, but which fields let it unleash the most energy? You can measure the ratio of profit generated and man-day cost. Roughly ranked in this ratio —

#1 security trading
** low-latency — indispensible
** In much of FICC, business can usually function using phone and spreadsheet
#2 accounting and ERP
(DB, OS are considered infrastructure — not usable as is; need applications on top of them.)
#3 telecom
** billing etc
** voip
* logistics, warehousing
* gaming
* online gamble
* computer animation
* electronic component testing in Chartered
* e-government
* tax
* hospital information system
* porn sites – consumers pay
* travel site, amazon, 1800flowers, diapers.com
* ebay
* online and mobile payment
* antivirus
* spreadsheets, word processors

Many popular applications are –> “innovative software applications looking for paying customers” <– because consumers want it free.
* search engine
* web mail — hopelessly free
* zed
* knowledge portal — NIE
* online learning
* newspapers online
* cnet
* facebook, twitter

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