The ability to quickly introduce and evolve payment options for products or services is essential for businesses, as nearly 50% of consumers who can’t use a preferred payment method abandon their purchase. At the same time, gift cards, branded credit cards and rewards programs are critical tools that companies rely on to build more loyal and lasting customer relationships. With Highnote, companies have an all-in-one embedded platform to quickly create payment cards and wallets, offer innovative rewards programs and credit, and provide sustainable wage access. It is the first platform that allows enterprises to make card issuance an embedded capability of their product without creating an entirely new (and costly) organization.

Creating an exciting fintech future with Google Cloud

When thinking about building the industry’s first end-to-end embedded finance platform, we quickly realized Highnote would only be successful if it enabled companies to truly innovate and quickly roll out new programs. To do so, the platform would have to be built on scalable infrastructure capable of securely delivering services with speed and reliability while offering easy access to actionable Big Data analytics.

Working closely with the team at the Google for Startups Cloud Program, we successfully implemented Google Cloud as a versatile, future-proof foundation of our platform—and built Highnote from the ground up in just one year. Highnote’s GraphQL-based API platform reinvents the card issuance process. Utilizing the developer-friendly Highnote platform, product and engineering teams at digital enterprises of all sizes can easily and efficiently embed virtual and physical payment cards (commercial and consumer prepaid, debit, credit, and charge), ledger, and wallet capabilities into their existing products. This creates compelling value while growing revenue and building a unique and differentiated brand.

We leverage Cloud Spanner, BigQuery, and Google Kubernetes Engine (GKE) to create a unified and highly secure PCI DSS-compliant platform with GraphQL APIs that provide rapid and flexible money transfers. This gives us a reliable platform to deliver and test customer experiences, respond to outcomes, and make better business decisions. Powered by Google Cloud, our data models and application domains are architected to support configurations and customizations that unlock a diverse set of new use cases across industries, including retail, travel, logistics, healthcare, and sustainable wage access programs.

We are especially proud to highlight our enablement of sustainable wage access, as this program helps the 50% of Americans living paycheck to paycheck. Embedding this program within payroll systems provides a viable alternative to payday lenders who often charge exorbitant fees and interest rates. In real world terms, this means Highnote helps people access earned wages before payday at no cost.

The other customer we just went live with was Tillful, and their Tillful card helps small businesses build their business credit. This program will help new and emerging businesses as well as underrepresented owners of small businesses by making the credit ecosystem accessible. Highnote’s platform is designed to support multiple use cases across many industries. For example, we also help the trucking and logistics companies to develop fleet and fuel cards, and spend management companies who are looking to uplevel offerings.

Delivering high-performance transactions with Cloud Spanner

Building one of the world’s most modern card platforms would not have been possible without Cloud Spanner. We needed a solution that would keep our massive petabyte databases from buckling and more securely deliver data anywhere in the U.S. Cloud Spanner does all this and more, as it routinely connects purchases from millions of customers to tens of thousands of vendors. We also wanted to reduce overhead by 80% by eliminating manual sharding, partitioning, and optimization of data. These processes are automatic with Cloud Spanner so we can operate at maximum efficiency.

We specifically selected Cloud Spanner as our distributed SQL database management and storage solution because of its outstanding availability, zero plan maintenance downtime, security certifications, and the highest consistency guarantees of any scale-out database. We continue to optimally scale without any downtime or compromises to the integrity or security of our data. This is key for us because we can address unexpected spikes, long-term growth, and new services without costly rearchitecting.

Highnote is designed to perform over billions of transactions on Cloud Spanner, and the average latency of less than 250 ms is a testament to the robustness of Google Cloud services.

Enabling actionable customer insights at scale

BigQuery is another key Google Cloud solution that we rely on to deliver deep insights and visibility for our customers on a highly secure and scalable platform. When building Highnote, we knew we needed a cost-effective solution that excelled at data analytics. This is particularly critical for accurately measuring the performance—whether profitability or efficacy—of any program or card.

Using BigQuery, we successfully run analytics at scale with as much as a 34% lower three-year TCO than cloud data warehouse alternatives. Over the past year, BigQuery has enabled our customers to unlock data-rich capabilities with a ledger that tracks money in real time and serves up complete debit and credit entries for every event across their accounts. Companies also access real time balances for revenue, fees, customer accounts, and available funds management without complicated spreadsheets.

To quickly and efficiently roll out Highnote to our customers, we needed a simple way to automatically deploy, scale, and manage Kubernetes. When selecting a Kubernetes management tool, our top priorities were rapidly spinning up and securely scaling across multiple sites. As part of Google Cloud’s expansive ecosystem, Google Kubernetes Engine (GKE) was the top choice due to seamless and automatic Kubernetes scaling and management.

We quickly got off the ground with single-click clusters and scaled up by using the high-availability control plane—including multi-zonal and regional clusters—to easily accommodate multiple active-active regions (which other solutions cannot do). As an embedded finance platform, stringent security protocols were obviously a key consideration for us. GKE is secure by default and runs routine vulnerability scans of container images and data encryption. Further security assistance was provided by Google Cloud partners 66degrees and DoiT International to help us rapidly validate VPC PCI compliance and ensure the uninterrupted performance of thousands of transactions per second.

Winning in fintech with Google for Startups

Building the industry’s first end-to-end embedded finance platform would have been extremely challenging without the extensive Google Cloud support. By working closely with our Startups team and Google partners, we had access to Google Cloud services to more easily validate VPC PCI compliance and address most issues before we exited stealth. Their responsiveness is incredible and stands out compared to support services we’ve seen from other technology providers.

Our participation in the Google for Startups Cloud program has been instrumental to our success. With Google Cloud, we are making embedded payments accessible to our customers without a big budget price tag. By doing so, we help unleash the creativity of emerging enterprises by enabling them to innovate with payment services and rewards programs to reach new markets and customers. If companies can dream, we can enable them to realize it on Highnote. Our platform really is that flexible. We’re excited where we can go and grow with Google Cloud.

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.

If you took one look at the title of this blog and thought, “just show me how, because I already know a million reasons why I’m stressed about billing things” then check out the interactive tutorial right here.

For everyone else, read on, because we’ll walk through some common sense tips, and a few step-by-step tutorials for all things billing related. If you’ve ever wished you could sit down with someone from Google Cloud, and walk through your bill, the console, and your options — you’re in the right place! Consider this Cloud Billing 101 – an intro level course that’ll get you started on the right foot.

6 simple tips to manage your Google Cloud billing accounts:

1. Get to know your billing statement and console: Knowledge is power, after all. Take a tour of the billing console so you can better understand your options, along with what’s included in your monthly bill and the different components.
2. Set up authorized users, alerts and budgets: Make sure anyone who needs to have access to payment settings is authorized. Allocate budgets for projects, and get notifications when your usage or spending exceeds a certain amount so you can take action as needed.
3. Use cost-saving tools: We’ve got  a range of tools and services to help you save money, like Committed Use Discounts, and even Recommenders for actionable, AI-powered intelligent recommendations around your cost trends and product usage.
4. Optimize your resources: Use the Google Cloud Resource Manager to see how your resources are being used and identify areas for optimization, temporarily suspend, or even shut down unused projects. 
5. Review your billing history with reporting and data visualization: Regularly check your billing history with reports to help track your spending, identify any trends or patterns, and even anticipate future costs. You can even export your data to BigQuery for detailed analysis, or use a tool like Google Data Studio to visualize your data.
6. Use the pricing calculator: Estimate your monthly costs and make informed decisions with the Google Cloud pricing calculator. It can help you get a ballpark figure for your usage, and determine if your use case fits within cost-free parameters.

I hope these common sense pointers and tutorials empower you to effectively manage your Google Cloud billing and stay on top of your spending. Get started right now by managing your billing methods and payment settings in this 5-minute tutorial, and then take a tour of the billing console to get familiar with your setup.

Hackensack Meridian Health (HMH) executive Mark Eimer explains how an ambitiously-timed rollout of a comprehensive suite of Google products helped the entire organization—from doctors to IT staff—achieve better security, cultivate a more equitable work environment, and ultimately, improve patient outcomes.

How does a recently merged, 17-hospital healthcare system fast-track a platform migration and hardware rollout securely and in a way that improves work for everyone, regardless of location or role? These are the questions that kept me up at night in early 2020, when the pandemic demanded a “big bang”—something our legacy laptops and operating systems couldn’t handle.

We began our work with Google in 2020 with the adoption of Chrome as our default browser. As we migrated platforms, keeping patient data safe was of the utmost importance to us, along with providing every staff member with the tools they needed to work virtually. Our staff often experienced issues accessing our web-based applications using Internet Explorer or Edge Browser, a problem that went away when we switched to Chrome. Chrome’s versatile compatibility also made it easier for my team to migrate all of our web-based operations, and Chrome’s security and manageability were key components to making this switch a huge win for the organization.

The success of this migration led us to extend our Google partnership to patient care applications—where Google’s expertise in AI and ML helps scale the use of diagnostics tools and improve other aspects of the patient journey.

Achieving security at every step 

Like so many other healthcare organizations, we’ve been concerned about ransomware attacks. This is part of why we moved to Google Workspace and distributed over 3,000 Chrome OS devices in kiosk mode in March of 2020, when many of us went remote due to the pandemic. We were very concerned about team members accessing corporate applications through home devices that were running EOL operating systems (WIN7), as well as a general lack of antivirus and encryption measures.

We were protected by the fact that Google’s software and hardware both had built-in security features that we needed to stave off sophisticated attackers. For example, Chrome OS automatically updates to the latest security update and encrypts data living outside the cloud on the hardware. These features protected us from security-related disruptions, letting us securely move a huge library of file shares and emails across thousands of accounts to Google Chrome OS in just four months.

A year later, in March 2021, we migrated the enterprise over to Google Workspace and saw an immediate reduction in spam by 30% from the inherent built-in AI/ML. This meant staff were less likely to receive (and click through) phishing attempts. My team could connect, create, and collaborate easily and securely—even as more of us were working from home and needed to access sensitive data remotely. 

Leveling the playing field

As an organization, we were surprised by how many team members didn’t have personal computers at home. We quickly decided that if we needed team members to work from home, the health network would have to supply hardware. Chromebooks’ lower price tag compared to PCs—on top of their built-in security controls—allowed us to purchase, deploy, and support that initial distribution of 3,000 Chromebooks to team members in less than three weeks, providing devices to every eligible remote employee instead of just a select few. This was vital to reaching our equitable technology goal as part of our diversity and inclusion initiative: everybody has the same tools to do good work.

When all employees have what they need to do their jobs well, we get better patient outcomes. Before we began this cloud adoption journey, patient and staff experiences were different within the hospitals and outside of them. 

Now it’s the same wherever our staff is, and we’ve seen efficiency and accessibility benefits extend to the patient side. For example, we built a web-based contact center that supports 80 locations that use Workspace and Chrome OS devices. Since customer service, admin, and providers are all on the same system, it has become a one-stop shop for patients.

Furthermore, through the Grow with Google program, we were able to provide another benefit to employees that drove our equity goals. Google trained 50 non-IT staff members—from environmental services, food and nutrition, and other non-tech areas who were interested in making a career change to IT—on the Google products we were using. They may not have thought about switching to a career in IT before the Grow with Google program came to our organization, but through this partnership, they now have that opportunity.

A strategic, long-term partner

With any large-scale rollout, the work doesn’t end once laptops are in employee hands. Google has shown their commitment to long-term collaboration as they continuously optimize their products for the unique needs of healthcare providers and go the extra mile in tailoring tools to our staff’s workflows. 

For example, on the Chrome OS side, the Google team has helped our registration desks and document centers with device integration for hardware like credit card readers and e-signature pads. They’ve also helped us meet security and privacy requirements mandated by state and federal governments around HIPAA, Medicaid, and Medicare reimbursements. Over this next year, we’ll look at a feature roadmap with Google Cloud to deliver further enhancements, iterating on the product itself to meet our needs for the present and the future.

Delivering the future of healthcare

The benefits we’ve seen around security and usability—and the ability to provide all staff with equal access to Google’s technology—are why we’re expanding our partnership with Google to both the administrative and clinical sides of HMH. In addition to further Google rollouts with corporate, next year we’re distributing Chromebooks to all 350 of our ambulatory clinics.

We’re also working with the Google professional services team to create a custom AI model that analyzes 3D mammogram images. This AI model will enable two providers to read mammograms—which adheres to international best practices but is currently rare in the US—without requiring additional time. Conducting double readings of mammograms will yield better health outcomes for our patients, such as a lower patient recall rate and an increased accuracy in detecting breast cancer.

We’re currently building the model using a variety of Google Cloud products, including Cloud Healthcare API. Once complete, this model is expected to be trained, deployed, and maintained in Google’s Vertex AI, allowing our providers to be more productive as they make clinical decisions with AI support. As the model is proven over time, we plan to make the predictive services accessible to other healthcare organizations.

With Google, we’re able to achieve a unified architecture for storing data as well as training and deploying AI models, which enable our staff to work more efficiently and securely from anywhere. While I may not be able to predict the future as accurately as AI can, I foresee our continued partnership with Google as a key part of HMH’s improved provider and patient outcomes.

Organizations across industries are looking to AI to turn troves of data into intelligence, powered by the latest advances in generative AI. Yet for many organizations, there is a barrier to adopting the latest models because they can be costly to train or serve. A new class of cloud GPUs is needed to lower the cost of entry for businesses that want to tap the power of AI. 

Today, we’re introducing G2, the newest addition to the Compute Engine GPU family in Google Cloud. G2 is the industry’s first cloud VM powered by the newly announced NVIDIA L4 Tensor Core GPU, and is purpose-built for large inference AI workloads like generative AI. G2 delivers cutting-edge performance-per-dollar for AI inference workloads that run on GPUs in the cloud. By switching from NVIDIA A10G GPUs to G2 instances with L4 GPUs, organizations can lower their production infrastructure costs up to 40%. We also found that customers switching from NVIDIA T4 GPUs to L4 GPUs can achieve 2x-4x better performance. As a universal GPU offering, G2 instances also help accelerate other workloads, offering significant performance improvements on HPC, graphics, and video transcoding. Currently in private preview, G2 VMs are both powerful and flexible, and scale easily from one up to eight GPUs. 

Currently organizations require end-to-end enterprise ready infrastructure that will future proof their AI and HPC initiatives for a new era. G2s will be ready to be deployed on Vertex AI, GKE, and GCE, giving customers the freedom to architect their own custom software stack to meet their performance requirements and budget. With optimized Vertex AI support for G2 VMs, AI users can tap the latest generative AI models and technologies. With an easy to use UI and automated workflows, customers can access, tune and serve modern models for video, text, images, and audio without the toil of manual optimizations. The combination of these services with the power of G2 will help customers harness the power of complex machine models for their business.

NVIDIA L4 GPUs with Ada Lovelace Architecture

G2 machine families enable machine learning customers to run their production infrastructure in the cloud for a variety of applications such as language models, image classification, object detection, automated speech recognition, and language translation. Built on the Ada Lovelace architecture with fourth-generation Tensor Cores, the NVIDIA L4 GPU provides up to 30 TFLOPS of performance for FP32, and 242 TFLOPs for FP16. Newly added FP8 support, on top of existing INT8, BFLOAT16 and TF32 capabilities, makes the L4 ideal for ML inference. 

With the latest third-generation RT Cores and DLSS 3.0 technology, G2 instances are also great for graphics-intensive workloads such as rendering and remote workstations when paired with NVIDIA RTX Virtual Workstation. NVIDIA L4 provides 3x video encoding and decoding performance, and adds new AV1 hardware-encoding capabilities. For example, G2 can enable gaming customers running game engines such as Unreal and Unity with modern graphics cards to run real-time applications. Likewise, media and entertainment customers that need GPU-enabled virtual workstations can use the L4 to create photo-realistic, high-resolution 3D content for movies, games, and AR/VR experiences using applications such as Autodesk Maya or 3D Studio Max.

What customers are saying

A handful of early customers have been testing G2 and have seen great results in real-world applications. Here are what some of them have to say about the benefits that G2 with NVIDIA L4 GPUs bring:

AppLovin

AppLovin enables developers and marketers to grow with market leading technologies. Businesses rely on AppLovin to solve their mission-critical functions with a powerful, full stack solution including user acquisition, retention, monetization and measurement.

“AppLovin serves billions of AI powered recommendations per day, so scalability and value are essential to our business,” said Omer Hasan, Vice President, Operations at AppLovin. “With Google Cloud’s G2 we’re seeing that NVIDIA L4 GPUs offer a significant increase in the scalability of our business, giving us the power to grow faster than ever before.”

WOMBO

WOMBO aims to unleash everyone’s creativity through the magic of AI, transforming the way content is created, consumed, and distributed. 

“WOMBO relies upon the latest AI technology for people to create immersive digital artwork from users’ prompts, letting them create high-quality, realistic art in any style with just an idea,” said Ben-Zion Benkhin, Co-Founder and CEO of WOMBO. “Google Cloud’s G2 instances powered by NVIDIA’s L4 GPUs will enable us to offer a better, more efficient image-generation experience for users seeking to create and share unique artwork.”

Descript

Descript’s AI-powered features and intuitive interface fuel YouTube and TikTok channels, top podcasts, and businesses using video for marketing, sales, and internal training and collaboration. Descript aims to make video a staple of every communicator’s toolkit, alongside docs and slides. 

“G2 with L4’s AI Video capabilities allow us to deploy new features augmented by natural-language processing and generative AI to create studio-quality media with excellent performance and energy efficiency” said Kundan Kumar, Head of Artificial Intelligence at Descript.

Workspot

Workspot believes that the software-as-a-service (SaaS) model is the most secure, accessible and cost-effective way to deliver an enterprise desktop and should be central to accelerating the digital transformation of the modern enterprise.

“The Workspot team looks forward to continuing to evolve our partnership with Google Cloud and NVIDIA. Our customers have been seeing incredible performance leveraging NVIDIA’s T4 GPUs. The new G2 instances with L4 GPUS through Workspot’s remote Cloud PC workstations provide 2x and higher frame rates at 1280×711 and higher resolutions” said Jimmy Chang, Chief Product Officer at Workspot.

Pricing and availability

G2 instances are currently in private preview in the following regions: us-central1, asia-southeast1 and europe-west4. Submit your request here to join the private preview, or to receive a notification as when the public preview begins. Support will be coming to Google Kubernetes Engine (GKE), Vertex AI, and other Google Cloud services as well. We’ll share G2 public availability and pricing information later in the year.