当前，各地正在积极探索可行路径。天津将缝纫、修鞋、配钥匙纳入"社区工坊"；上海在社区规划 中区分基础保障、品质提升与特色服务；北京朝阳把废弃锅炉房改造为"社区工坊综合体"……实践表 明，通过因地制宜、系统谋划，"小修小补"完全可以融入"大社区"。此外，不少地方盘活资源，将低效 资产优先用于便民服务。这既为微利业态解决了场地之困，也为商业设施引流聚气。 磨菜刀、改裤脚、配钥匙……这些被统称为"微服务"的小行当，看似不起眼，却是市井烟火中不可 或缺的一环。 鼓励微服务连锁化、品牌化发展。从"游商"到正规经营只是第一步，推动行业连锁化发展，才能塑 造品牌、提升标准、增强抗风险能力。连锁化能为从业者提供清晰的职业路径，吸引年轻人入行，破解 从业人员"青黄不接"困境。 数字技术赋能发展。要让"小修小补"不仅"上得了网"，更能"接得到单、找得到路、守得住时"。社 区应协助从业者接入互联网平台及地图应用，标注"社区工坊"身份，实现服务全程可追溯。通过信用激 励政策，让从业者的好服务获得好回报，形成信用越好、成本越低的正向循环。 微服务绝非城市的点缀，而是衡量便民生活圈是否真正便民的标尺。一座城市，既要有仰望星空的 格局，也 ...

Diebold Nixdorf Conference Summary Company Overview - **Company**: Diebold Nixdorf (NYSE: DBD) - **Industry Segments**: Banking and Retail - **Global Presence**: Operates in over 60 countries directly and 100 countries in total - **Installed Base**: 800,000 ATMs globally [4][25] Financial Performance - **Current Stock Price**: $65 [2] - **Revenue**: Total company revenue is $3.8 billion, with $2.8 billion from banking and $1 billion from retail [34] - **Service Revenue**: Approximately 70% of service revenue is recurring, with long-term contracts for maintenance [41] - **Free Cash Flow**: Expected to generate $800 million of free cash flow cumulatively from 2025 to 2027, with a conversion rate projected to reach over 60% by 2027 [62][70] Banking Segment Insights - **Market Stability**: The banking business is stable with approximately 2 million bank-grade ATMs globally, and a steady refresh cycle of 60,000-70,000 ATMs annually [25][26] - **Growth Initiatives**: Focus on branch automation solutions to reduce operating costs, including teller cash recyclers and cash management technologies [29][30] - **Growth Projections**: Anticipated mid-single-digit growth annually, driven by pricing increases and new product offerings in emerging markets [32] Retail Segment Insights - **Market Dynamics**: Retail revenue is primarily generated in Europe, with a growing focus on the U.S. market [34] - **Self-Checkout Technology**: The company has developed modular and flexible self-checkout solutions, differentiating from competitors with a cloud-native architecture [35][39] - **Market Share Goals**: Aiming to capture a larger share of the U.S. market, currently not in the top five, with expectations of incremental growth [37][38] Management and Strategy - **Capital Allocation**: Committed to returning nearly 100% of free cash flow to shareholders, with a $200 million stock buyback program announced [11][72] - **M&A Strategy**: Focused on small, accretive acquisitions, such as the recent purchase of HTX for $10-$15 million [18][80] - **Operational Efficiency**: Continuous improvement initiatives in manufacturing and service operations, aiming for margin growth of 25 to 50 basis points annually [45][46] Future Outlook - **Long-Term Goals**: By the end of 2027, the company aims to achieve $800 million in cumulative free cash flow and maintain a focus on innovative technology deployment [70][72] - **Market Positioning**: The company is positioned to leverage its technology and service capabilities to enhance customer satisfaction and operational efficiency [69][79] Key Metrics - **Net Debt Ratio**: 1.6, within the target range of 1.25-1.75 [19] - **Service Contracts**: Long-term contracts for ATM and self-checkout maintenance provide stable revenue streams [26][41] - **Employee Base**: Approximately 20,000 employees, with 14,000 in field service roles [41] This summary encapsulates the key points from the Diebold Nixdorf conference, highlighting the company's strategic focus, financial performance, and growth initiatives across its banking and retail segments.

（文章来源：证券日报） 证券日报网讯博思软件11月21日在互动平台回答投资者提问时表示，K8S是微服务运行的容器编排技 术，目前公司项目落地有使用该技术进行部署，已广泛应用于公司业务。 ...

原标题：民有所呼我必有应｜河北联通"微服务"架起民心桥 近日，河北联通深入开展"民有所呼我必有应"主题服务活动，致力于将每一项细致的"萤火微光"般 的服务，汇聚成照亮客户的"璀璨星河"，以切实行动编织高效服务网络，铸就坚实沟通桥梁。 "微改造"汇聚"大温暖" "大娘，你瞅瞅，这'中奖链接'可千万甭点呐！"在张家口市沈家屯村，一场"数字反哺"温情课正在 上演。志愿者团队以"微科普"的形式下乡开展智慧助老活动，通过"本土化+情景化"的创新模式，为银 发群体架起跨越"数字鸿沟"的爱心桥梁，让科技温度浸润每一个微小的角落。 针对老人容易遭遇诈骗的情况，工作人员通过模拟"冒充公检法""保健品骗局"等12类高频场景，为 老人们定制了"方言版防骗口诀"。同时，协助老人安装反诈APP、开启来电拦截等功能，构建起"人文 关怀+技术防护"的双重保障，为老人们的财产安全保驾护航。 "微治理"筑牢"安全路" 邢台市内丘县西石河村地处丘陵地区，降雨时，雨水对道路两旁护坡冲击力强，且因多年失修，部 分路段护坡破损严重，给群众生产生活带来诸多不便。为解决此问题，河北联通驻村工作队充分发挥自 身优势，积极协调资源、制定科学维护方案，并组织施 ...

Core Viewpoint - The China Securities Association has drafted a standard for the stability assurance system of securities industry information systems, addressing the increasing complexity of system architecture due to advanced technologies like distributed architecture and microservices [1] Group 1: Background and Rationale - The current management practices in system stability have accumulated experience, including change control, emergency response, drills, and monitoring mechanisms [1] - The traditional passive operation and maintenance model is becoming inadequate to meet business demands due to the exponential increase in system architecture complexity [1] Group 2: Principles and Framework - The drafted standard is based on four principles: compliance, controllability, closed-loop, and data [1] - It proposes a "three-in-one" stability assurance system framework that includes organizational, institutional, and procedural guarantees [1] Group 3: Organizational and Institutional Guarantees - Organizational guarantees specify the structure, personnel capability requirements, and goal management for stability assurance [1] - Institutional guarantees encompass regulations, technical standards, operational procedures, and timelines, forming a closed-loop system to ensure management requirements are actionable and traceable [1] Group 4: Process Guarantees - The process guarantees focus on ten core processes related to stability architecture management, observability management, monitoring and alerting, and fault management [1] - Each core process includes mechanism guarantees, key activities, and evaluation elements [1]

Core Viewpoint - David Heinemeier Hansson (DHH) emphasizes a philosophy of sustainable business without venture capital, advocating for a focus on programmer happiness and the importance of direct engagement with coding, while expressing concerns about AI's impact on programming skills [3][26][20]. Group 1: Programming Philosophy - DHH's initial struggles with programming were due to a lack of understanding of variables, which he later overcame through PHP and ultimately found joy in Ruby, which he describes as tailored to human thought [6][10][11]. - He believes that Ruby's dynamic typing fosters creativity and fluidity in coding, contrasting it with static typing languages that he views as limiting and bureaucratic [14][15][16]. - DHH argues against the microservices architecture, advocating for "The Majestic Monolith" as a simpler, more efficient approach for small teams [17][18]. Group 2: AI and Programming Tools - DHH expresses a strong aversion to AI programming assistants like GitHub Copilot, feeling they detract from the creative process and lead to a loss of core programming skills [20][21]. - He acknowledges that while AI can serve as a learning tool, it should not replace the deep engagement required in programming [23][25]. Group 3: Business Philosophy - DHH advises against taking venture capital, arguing that it imposes pressure for rapid growth and compromises the integrity of a business [26][27]. - He promotes a model of profitability from day one, emphasizing the importance of independence and customer service over investor demands [27][29]. - DHH's confrontation with Apple over App Store policies exemplifies his commitment to principles over profit, showcasing the power of small companies to challenge larger entities [29][30][31]. Group 4: Open Source and Community - DHH firmly believes in the purity of open source, rejecting any notion of transactional relationships in sharing software, which he views as detrimental to the open source ethos [32][34]. - He perceives criticism and "haters" as a natural consequence of creating valuable work, indicating that strong opinions often reflect the impact of one's contributions [35]. Group 5: Advice for New Programmers - DHH encourages aspiring programmers to pursue their passions and solve personal problems, rather than following trends, to maintain motivation and foster learning [36]. - He stresses the importance of enjoying the programming journey and the satisfaction that comes from problem-solving [37].