When ATB Financial decided to migrate its vast SAP landscape to the cloud, the primary goal was to focus on things that matter to customers as opposed to IT infrastructure. Based in Alberta, Canada, ATB Financial serves over 800,000 customers through hundreds of branches as well as digital banking options. To keep pace with competition from large banks and FinTech startups and to meet the increasing 24/7 demands of customers, digital transformation was a must. To support this new mandate, in 2019, ATB migrated its extensive SAP backbone to Google Cloud. In addition to SAP S/4 HANA, ATB runs SAP financial services, core banking, payment engine, CRM and business warehouse on Google Cloud. 

In parallel, changes were needed to ATB’s legacy data platform. The platform had stability and reliability issues and also suffered from a lack of historical data governance. Analytics processes were ad hoc and manual. The legacy data environment was also not set up to tackle future business requirements that come with a high dependency on real-time data analysis and insights.

After evaluating several potential solutions, ATB chose BigQuery as a serverless data warehouse and data lake for its next-generation, cloud-native architecture. “BigQuery is a core component of what we call our data exposure enablement platform, or DEEP,” explains Dan Semmens, Head of Data and AI at ATB Financial. According to Semmens, DEEP consists of four pillars, all of which depend on Google Cloud and BigQuery to be successful:

1. Real-time data acquisition: ATB uses BigQuery throughout its data pipeline, starting with sourcing, processing, and preparation, moving along to storage and organization, then discovery and access, and finally consumption and servicing. So far, ATB has ingested and classified 80% of its core SAP banking data as well as data from a number of its third-party partners, such as its treasury and cash management platform provider, its credit card provider, and its call center software. 
2. Data enrichment: Before migrating to Google Cloud, ATB managed a number of disconnected technologies that made data consolidation difficult. The legacy environment could handle only structured data, whereas Google Cloud and BigQuery lets the bank incorporate unstructured data sets, including sensor data, social network activity, voice, text, and images. ATB’s data enrichment program has enabled more than 160 of the bank’s top-priority insights running on BigQuery, including credit health decision models, financial reporting, and forecasting, as well as operational reporting for departments across the organization. Jobs such as marketing campaigns and month-end processes that used to take five to eight hours now run in seconds, saving over CA$2.24 million in productivity. 
3. Self-service analytics: Data for self-service reporting, dashboarding, and visualization is now available for ATB’s 400+ business users and data analysts. Previously, bringing data and analytics to the business users who needed it while ensuring security was burdensome for IT, fraught with recurrent data preparation and other highly manual elements. Now, ATB automates much of its data protection and governance controls through the entire data lifecycle management process. Data access is not only open to more team members but it is faster and easier to acquire without compromising security. And it’s not just raw data that users can access. ATB uses BigQuery to define its enterprise data models and create what it calls its data service layer to make it easier for team members to visualize their data.
4. AI-assisted analytics and automation: Through Google Cloud and BigQuery, ATB has been able to publish data and ML models that provide alerts and notifications via APIs to customer service agents. These real-time recommendations allow customer service agents to provide more tailored service with contextualized advice and suggested new services. So far, the company has deployed more than 40 ML models to generate over 20,000 AI-assisted conversations per month. Thanks to improved customer advocacy and less churn, the bank has realized more than CA$4 million in operating revenue. During the ongoing COVID crisis, the system was also able to predict when business and personal banking customers were experiencing financial distress so that a relationship manager could proactively reach out to offer support, such as payment deferral or loan restructuring. The AI tools provided by BigQuery are also helping ATB detect fraud that previously evaded rules-based fraud detection by using broader sets of timely and accurate data. 

Thanks to the speed and ease of moving data from SAP to BigQuery, ATB is using artificial intelligence (AI) and machine learning (ML) to do things it previously hadn’t thought possible, including sophisticated fraud prevention models, product recommendations, and enriched CRM data that improves the customer experience. 

Using the power of Google Cloud and BigQuery, ATB Financial has been able to draw more value from its SAP data while lowering cost and improving security and reliability. Speed to provide data sets and insights to internal team members has improved 30%. The bank also has seen a 15x reduction in performance incidents while improving data governance and security. Dan Semmens projects that the digital transformation strategy built on Google Cloud and BigQuery has both saved millions compared to its on-premises environment and has also realized millions in new business opportunities. 

Semmens is looking toward the future that includes initiatives like Open Banking and greater ability to provide real time personalized advice for customers to drive revenue growth. “We see our data platform as foundational to ATB’s 10-year strategy,” he says. “The work we’ve undertaken over the past 18 months has enabled critical functionality for that future.” 

Learn more about how ATB Financial is leveraging BigQuery to gain more from SAP data. Visit us here to explore how Google Cloud, BigQuery, and other tools can unlock the full value of your SAP enterprise data.

Accelerating digital transformation

Digital transformation is what propels businesses and industries forward. Organizations of all sizes—from startups to global enterprises—focus on digital transformation not only to make scaled improvements, but also to drive significant change and fully embrace the digital age. The pandemic has jump started and pushed many organizations into full gear to digitize their business models and transform with increased business agility, resiliency, and velocity, while driving new innovation and business values for the customers.

However, according to the Boston Consulting Group, only about 30% of companies navigate a digital transformation successfully. Many large scale digital transformation programs failed because of lack of clear business priorities, top-down executive sponsorship, or dedicated resources and commitment to see it through.

Laying the foundation for digital transformation success

Digital transformation drives foundational change in how an organization operates, optimizes internal resources, and delivers value to customers; however, this doesn’t just happen overnight. Digital transformation requires a programmatic approach through an incremental yet agile, cost-effective, value-driven, and sustainable strategy to drive successful transformation across the organization.

One of the critical factors foundational to success is Cloud FinOps (Cloud Financial Operations). Cloud FinOps is an operational framework and cultural shift that brings technology, finance, and business together to drive financial accountability and accelerate business value realization through cloud transformation. In the context of Digital Transformation, it requires new ways of working and operating models to drive behaviors and cultural change that foster cross-functional collaboration, drive accountability, provide greater cost transparency, and promote a blameless culture.

Most importantly, Cloud FinOps serves as an enabling function to drive successful digital transformation programs and enable business agility by breaking down the boundaries between technology, finance, and business teams. Through this cross-functional team collaboration, technology leaders partner with finance and business leaders to better understand the technology investments to create sustainable business outcomes. By doing so, business priorities become more clear and the focus shifts to value creation, customer-centricity, and innovation.

As such, companies are reinventing their business models to fund value streams and connect cloud technology investments to strategic business outcomes. With the increased visibility of the cloud costs, finance teams are also gaining greater accuracy in tracking cloud spend against budgets. Organizations can align the TCO of the technology services to the value metrics to make better informed future investment decisions and forecast demand.

Cloud FinOps to accelerate business value realization

The successful deployment and implementation of Cloud FinOps building blocks will enable organizations to accelerate digital transformation beyond cost savings, including the ability to:

• Accelerate business value realization and innovation
• Drive financial accountability and visibility
• Optimize cloud usage and cost efficiency
• Enable cross organizational trust and collaboration
• Prevent cloud spend sprawl
• Break down of departmental silos

Organizations that are successful in digital transformation most often have established processes to measure and track business value. One of the key building blocks of Cloud FinOps is “Measurement & Realization.” By establishing a robust value measurement approach to track and monitor the business value metrics toward business goals, we are bringing technology, finance, and business leaders together through the discipline of Cloud FinOps to show how digital transformation is enabling the organization to create new innovative capabilities and generate top-line revenue.

Business value metrics fall across several factors: cost efficiency, resiliency, velocity, innovation, and sustainability. We suggest assigning KPIs to the following metric categories:

Cost efficiency: Measure cost efficiency through infrastructure savings, migration, and support costs. Customers will commonly start with metrics such as cost of compute and storage per day-week-month, and evolve to unit metrics such as cost per customer served or cost per transaction, where the cost of an application stack is aligned to customer drivers.

Resiliency: Enhance operational resiliency with improvement in service quality and security risk posture. Traditional measures such as system service level and the frequency and duration of critical downtime events are effective measures of IT durability. Customers can also augment these metrics by associating a cost per minute of downtime events, reflecting not only the direct impact of these events but opportunity costs as well.

Velocity: Decrease time to market by accelerating fluidity in product and service delivery. By moving to a cloud-based microservices architecture, customers commonly achieve benefits of increasing software release frequency, as well as being able to run many more test scenarios prior to release, resulting in higher quality code. As an example, our recent Google’s State of DevOps Report 2021, shows that elite performers have 973x more frequent code deployment and release frequency than the low performers.

Innovation: Enable a culture of rapid experimentation to drive innovation and cloud transformation. With cloud technology, companies can avoid the financial constraints of fixed cost investments and lengthy procurement lead times. As a result, the marginal cost of experimentation and time from ideation to experimentation can drop significantly while the number of experiments per unit of time can grow dramatically.

Sustainability: Embed true environmental and social sustainability metrics across the organization by adopting a circular economy strategy and building sustainability into everything we do – from running applications on zero net emissions virtual machines to reducing carbon footprint with enhanced productivity and collaboration services. According to Accenture, companies with average on-premise to cloud migrations can drive 65% energy reduction and carbon emission reduction of 84%1.

Getting started

The Cloud FinOps journey starts with defining or updating your metrics. Since business goals and strategic imperatives will likely change over time, it is important to review the Cloud FinOps metrics whenever the goals change. The review of metrics should include the changes in business goals when there are changes in the internal priorities of the team. Executive leaders need to identify dependency relationships between technology and business outcomes to improve the impact of metrics on decision making and to better prioritize and invest in evolving business and technology capabilities. Defining good metrics is not just about aligning to business goals and demonstrating value. It is also important to help prioritize strategic initiatives, guide effective resource allocation, and generate awareness across the organization to drive a shift in mindset with the new way of operating in the cloud.

The pandemic has accelerated the need for companies to modernize their digital capabilities. With technology-driven disruptions across all industries, it has never been more important for organizations to transform themselves, embrace an agile mindset, and make bold investments in cloud technology and capabilities to achieve sustainable business outcomes.

So, where are you now in your cloud FinOps journey, and how do you move beyond the challenges ahead? Google can help you start the conversation and accelerate your path to maximizing business value with the cloud.

No matter where you are on the cloud transformation journey, through an interactive session with Google, we can bring executives across the organization together to work toward a shared vision and a plan to accelerate and realize business value in the cloud. If you are interested in more information, please contact us.

Special thanks to Pathik Sharma, Bruce Warner, Jon Naseath, and Nihar Jhawar for their contributions and sharing their domain expertise to this important Cloud FinOps topic.

Editor’s note: February is Black History Month—a time for us to come together to celebrate the diverse set of experiences, perspectives and identities that make up the Black experience. Over the next few weeks, we will highlight Black-led startups and how they use Google Cloud to grow their businesses. Today’s feature highlights Acclinate and its founders, Del and Tiffany. 

As patients, as caregivers, and as parents taking our own children to the doctor, we want recommended medications to be safe and effective. It’s a right everyone deserves.

It’s known that certain medications don’t work in the same way in all populations. For example, Albuterol, a medication often prescribed for asthma, is less effective in 67% of all Puerto Ricans and 47% of Black Americans. These problems—which can have deadly consequences—result from historically limited diversity in pharmaceutical clinical trials. 

We founded our startup Acclinate to integrate culture and technology to achieve more inclusive clinical research. Help pharmaceutical companies and healthcare organizations access and engage communities of color so research is more inclusive.

Bridging the health equity gap by building trust

It’s important that health research organizations access and engage communities of color so their efforts reflect all the people they serve. Take a disease like diabetes, which affects a significantly higher proportion of Black Americans. When you look at even recent clinical trials for diabetic drugs, the representation of Black Americans among participants is only in the low single digits, despite comprising 13 percent of the U.S. population and more than 40 percent of diabetes patients in this country. Industry leaders have been aware of the lack of diversity issue, but some have chosen to ignore it or brush it aside. The biggest problem, in our opinion, is that there have been no penalties for not achieving higher diversity figures in clinical trials, and only minor financial repercussions to pharma/biotech companies when their treatments either do not work across all groups once approved, or there is a lack of uptake by all groups due to the lack of testing in those groups. The lack of clinical trial diversity has adversely impacted the reputation of the industry and the ability to recruit diverse populations in the future. 

Acclinate integrates culture and technology to promote diverse patient representation in medical research. Our approach is not transactional. We build trust through our  #NOWINCLUDED community, which is an ongoing, ever-expanding digital platform that educates and engages with communities of color on health issues.

#NOWINCLUDED includes a website app, and social media presence where members can learn information about diseases, particularly those with greater negative impacts on people of color, such as cancer, diabetes, and cardiovascular diseases. Members can share stories and ask questions. By providing access to trusted resources about these health issues and the latest clinical research, we empower Black people to take control of their health and consider  participating in research that is shaping the future of healthcare.  

For healthcare-related organizations, we offer the opportunity to better understand the attitudes, aspirations, and unmet needs of underrepresented minority communities. Data from #NOWINCLUDED feeds our HIPAA-compliant SaaS platform, e-DICT™ (Enhanced Diversity in Clinical Trials), which uses predictive analytics and machine learning to identify individuals matching the requirements and most likely to be receptive to participation in a particular clinical trial.

Acclinate scales its platform with Google Cloud

We rely on Google Cloud services, including Vertex AI, to know whom to ask, when to ask, and how to ask for clinical trial participation. With Vertex AI, we enjoy a unified platform for developing our artificial intelligence models, including tools for preparing and storing our datasets. We can easily train and compare models using AutoML, which requires minimal ML expertise or effort with its intuitive graphical interface. This allows us to leverage more than ten ordinal and categorical data points to determine in real time a community member’s likelihood to enroll, which we call our Participation Probability Index (PPI). Our models evolve in an iterative process the more we interact with, and learn about, our community members.

We follow the pay-per-use Google Cloud Platform architecture model using serverless technology, which helps reduce infrastructure management costs and lets us focus on product development and engaging with communities across the U.S.

CloudSQL, a fully managed relational database service, integrates easily with BigQuery so we can glean insights for our clients in real time, all with Google Cloud’s robust security, governance, and reliability controls. Virtual Private Cloud (VPC) gives us scalable and flexible networking for our cloud-based resources and services. We also use Identity and Access Management (IAM) to simplify oversight of Google Cloud resource permissions for different user groups and roles, with appropriate security protections. 

API Gateway manages our APIs using Cloud Functions, which both use consumption-based pricing, plus give our developers consistent and highly secure access to our services through a well-defined REST API. We use Memorystore for Redis to reduce platform latency. This is done with a fully managed service powered by the Redis in-memory data store, which builds application caches for fast data access. All of this comes together to provide an outstanding experience for our platform’s users and contributors.

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Expanding influence with the Google for Startups Accelerator for Black Founders

Three months of one-on-one Google support and mentorship as part of the most recent Google for Startups Accelerator : Black Founders cohort not only helped us build our product, but also helped us earn external credibility. People use Google every day, so whether we’re trying to engage in conversations with industry experts or with somebody in a rural community, it is helpful to have the buy-in of a globally-recognized brand as we take on a historically difficult, systemic issue with challenges around trust. Getting access to the products, best practices, and people we need to build and grow through the Accelerator program has been priceless. For example, working with the Google AdWords team helped us generate important traffic from people interested in learning more about #NOWINCLUDED or sharing their story with us. Jason Scott, who leads the Google for Startups Accelerator: Black Founders program, is still connecting us to people in his network and identifying key opportunities for us months after the program wrapped. He continues to demonstrate that he is invested in seeing us succeed. 

Our company has made great progress against our goals, in part thanks to receiving capital from the Google for Startups Black Founders Fund. We received $100K in non-dilutive funding along with Google Cloud credits, Google.org Ads grants, and hands-on support. We used the funds to pay for the transition and development costs associated with moving to Google Cloud. The Google support and accountability has been incredible. After receiving the Google for Startups Black Founders Fund award, we’ve gone on to raise another $1M and moved our cloud from Salesforce to Google Cloud. 

We also had the amazing opportunity to be selected as one of six companies to take part in a face-to-face web conference with Sundar Pichai, Google’s CEO. We were thrilled to hear him explain his vision around health equity and the role Google plays. Ultimately, for us, it’s not just about the funding we get, but we are also gratified to receive support from an entity that truly believes in addressing this issue. We know Google is aligned with our mission of health and racial equity. 

Championing diversity in clinical trials

Our 2022 looks bright. We expanded our presence to Washington, D.C. as part of the Johnson & Johnson Innovation JLABS ecosystem. We were also selected to take part in the BLUE KNIGHT initiative created between Johnson & Johnson Innovation and the Biomedical Advanced Research and Development Authority (BARDA) under the U.S. Department of Health and Human Services. 

Acclinate is also on track to have contracts with five of the top 25 largest biopharmaceutical companies in the U.S this year. They’ve taken note, as has the Food and Drug Administration (FDA), that the lack of diversity in clinical trials represents a significant health concern—to the extent that the FDA has provided strong guidance for pharmaceutical companies to  diversify their clinical trials. At the same time, the industry is also responding to pressure from communities of people of color to make equitable representation a priority.

Today, we are in the fortunate but challenging position to have significant inbound opportunities coming our way. In response, we continue to recruit and hire talented people to join our team. On the technology side, we are happy to be aligned with Google Cloud to have powerful cloud infrastructure that will scale with us, as well as high-caliber champions united in partnership. With people’s lives at stake, we are passionate in our commitment to helping ensure medications do what they are supposed to do: heal and improve the quality of life for everyone who takes them. 

Hear Acclinate cofounders Del Smith and Tiffany Whitlow chat with Google’s Head of Startup Developer Ecosystem Jason Scott and fellow Black Founders Fund recipient Bobby Bryant about building on Google Cloud in a recent Google for Startups Instagram Live. 

If you want to learn more about how Google Cloud can help your startup, visit our page here to get more information about our program, and sign up for our communications to get a look at our community activities, digital events, special offers, and more

Editor’s note: Earth Day reminds us that we all can contribute to creating a cleaner, healthier, and more sustainable future. Google Cloud is excited to celebrate innovative startup companies developing new technology and driving sustainable change. On this year’s Earth Day we’re highlighting Enexor BioEnergy and their initiative to produce clean, sustainable energy from plastic and agro-waste with the help of Google Cloud solutions.

Picture a world without electricity where billions of people burn dangerous fuels and trash from landfills to cook meals and heat their homes. Children constantly cough, choking on toxic smoke that lingers in houses and sickens entire families. Because there are no pumps or purification plants, contaminated water is hauled in buckets from dirty rivers and polluted wells. Without power or lights, hospitals and emergency medical clinics can only provide basic services during the day.

Although it is 2022, this harsh life is a reality for billions of people living in developing countries around the world.

Producing clean energy from plastics and organic-waste

This Earth Day, let’s imagine what life would be like in these countries if people had access to safe and inexpensive bioenergy. In this world, indoor air is fresher. Clean water runs from faucets, while homes, businesses, and schools have electricity. Doctors and nurses have the power to treat patients 24 hours a day and save lives with advanced medical equipment. Local economies boom and entrepreneurs thrive.

This is the sustainable future Enexor BioEnergy and its partners are building—one village at a time. With the Enexor Bio-CHP™ system, we produce clean and sustainable energy from discarded plastics, organic, and biomass-waste such as rice and corn husks, seaweed, coconuts, and other biomatter while offsetting significant Carbon emissions. The Bio-CHP can be commissioned and easily installed in just a single day, with multiple systems installed side-by-side when more power is needed. By being offered under its novel Energy-as-a-Service business model, Enexor ensures that the Bio-CHP can generate immediate environmental positive impact and customer adoption.

Each Bio-CHP unit generates enough energy to power over 100 homes—and provides much-needed renewable electricity and thermal power for schools, businesses, manufacturing facilities, water pumps, Wi-Fi systems, and telecommunications towers. The Bio-CHP creates clean energy by safely oxidizing plastics and biomatter in a secure container using a high-temperature system to power a micro-turbine. This produces bioenergy, significantly reducing harmful greenhouse gas emissions.

By solving a community’s waste issues while providing more affordable renewable energy, the Bio-CHP also creates new economic opportunities and improved outcomes where it is installed. This includes using its inexpensive power to expand local services and offerings, and empowering local community clean up efforts by incentivizing waste collection via blockchain-enabled digital currencies and services such as PayGo. Additionally, the Bio-CHP is an ideal solution for businesses who desire to maximize their own sustainability efforts, gain greater energy resiliency, and save money on their current energy and waste costs.

Engaging in Google for Startups Accelerator: Climate Change

When developing the Bio-CHP, we realized we needed a reliable and experienced partner to help us incorporate the best in class machine learning and artificial intelligence into our technology. That’s why we joined the Google for Startups Accelerator and participated in the Google for Startups Accelerator: Climate Change.

The accelerator introduced us to other companies working to create a sustainable future and opened new opportunities for collaboration and partnerships. The accelerator also continues to give our small team access to the best of Google Cloud’s people, programs, and solutions. We especially want to highlight Google Cloud’s dedicated startup experts and the incredible technical support they provide, as well as the Google Cloud research credits we used to explore new solutions.

As an example, Enexor is developing a predictive maintenance tool that automatically adjusts Bio-CHP operations to match fuel composition. Another tool in development proactively identifies and flags potential Bio-CHP system and component failures—before they occur.

Google Cloud’s dedicated startup experts work closely with Enexor to develop predictive models for these tools and Enexor also used the Google Cloud research credits that were provided to build these advanced models on TensorFlow, Vertex AI, Cloud CDN and AutoML. Since each system is remotely monitored from Enexor’s global headquarters in Tennessee, predictive maintenance tools also increase the safety, reliability, and efficiency of Bio-CHP in off-grid locations.

Generating 13 billion kWh of clean power by 2040

In the future, Enexor plans to explore additional Google Cloud solutions such as BigQuery to crunch larger datasets, Google Data Studio to build dashboards, and perhaps even Google Cloud Tensor Processing Units (TPUs) to more efficiently process machine learning (ML) workloads.

These solutions will help Enexor to achieve three primary goals by 2040: to generate 13 billion kWh of clean power, reduce 120 million tons of CO₂, and provide one million people with access to clean and sustainable energy. With each Bio-CHP system, Enexor annually reduces up to 2,000 metric tons of CO₂ equivalent emissions by decreasing methane emissions released from landfills, offsetting fossil fuel-based power generation with carbon credits and minimizing waste disposal transportation emissions.

Enexor is now preparing to deploy the Bio-CHP in Accra, Ghana where it will convert organic and plastic manufacturing waste into sustainable energy. Enexor is also looking forward to working with the local Accra community and NGOs to collect discarded plastics and organic waste diverting it from ending in the rivers and oceans and instead using them as renewable fuel sources. We can’t wait to see what we accomplish next as we celebrate Earth Day 2022 and think about the sustainable future Enexor is helping to empower.

If you want to learn more about how Google Cloud can help your startup, visit our page here to get more information about our program, and sign up for our communications to get a look at our community activities, digital events, special offers, and more.