How This Sri Lankan Bank is Striving to Make Banking Accessible to All

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Headquartered in the Sri Lankan capital of Colombo, Cargills Bank is not short on ambition or vision: it plans to make banking services accessible to all Sri Lankans and become a financial services leader at home and internationally. Founded in 2014 and licensed by the Central Bank of Sri Lanka to provide domestic and offshore banking services, Cargills Bank provides Retail, Credit and Debit Cards, Corporate, SME, Agri, Micro Finance, Treasury, and Trade banking products to customers.
The bank delivers these products from a network that includes 19 branches, the internet, mobile applications, and a partnership with supermarket chain Cargills Food City that enables customers to transact at more than 370 service points across Sri Lanka.
Cargills Bank initially deployed productivity and communications applications running in an on-premises data center. However, these applications could not support the bank’s growing need to operate as an agile, collaborative, technology-enabled institution. “We wanted to minimize the time and resources dedicated to administration and give our employees the ability to engage and collaborate more effectively. This naturally led us to the cloud and to G Suite,” says Indika Fernando, Senior Manager IT, Applications and Development, Cargills Bank.
Accelerating workflows
The bank also wanted to use scripts to accelerate and automate workflows that incorporated its productivity applications. “The limitations of our previous platform meant it took us three weeks to complete a simple workflow. We wanted to accelerate this process for simple and complex workflows,” explains Fernando.
A technology review by the Cargills Bank IT team found G Suite could meet all of the company’s business and technical requirements. “Employees could meet using voice and video connections from their desktops, mobile devices, and meeting rooms, and collaborate in real time on documents,” says Fernando.
This was a considerable improvement compared to the previous platform that required each stakeholder to wait until other people provided their input, or people providing input into different copies of the same document, forcing a document author to spend time consolidating all feedback into a final version.
“With G Suite, we can be sure that all stakeholders provide detailed and timely input into the documents we rely on to make critical business decisions,” says Fernando.
Augmenting G Suite
G Suite also supported an initiative by Cargills Bank to provide single sign-on for all business applications, while cost effectively giving workers access to cloud-based spreadsheet, document, slide, information collection, web, and wiki creation tools. Furthermore, Apps Script enables the bank’s developers to perform tasks including building add-ons for G Suite products such as Sheets, Docs, Slides, and Forms; writing custom functions for Sheets; publishing web apps embedded in Google Sites; and interacting with services such as AdSense, Analytics, Calendar, Drive, Gmail, and Maps.
Cargills Bank completed migrating its workforce to G Suite a couple of years ago. To help ensure the project was completed on time, within budget, and delivered access to the full range of G Suite tools, the bank engaged Google Partner Finetech Consultancy, which is also headquartered in Colombo.
“The partner oversaw creation of our architecture and undertook training and change management,” says Fernando. “It provided expert consultancy and troubleshooting throughout the three-month deployment and played an integral role in enabling us to launch on schedule.”
The bank has established a Google based social network to create and run internal communities and give its employees the freedom to create communities. “The communities effectively operate as internal social networks that our departments and staff can use to disseminate day-to-day information and announcements,” says Fernando. “For example, leaders of a training and development community use the forum to publish details of upcoming training programs and celebrate people who have completed training exercises.”
Cargills Bank has also established Hangouts Meet as a key communication tool. Employees use voice, video, and chat services to collaborate, with an audit trail that is a requirement in a regulated industry.
Using Apps Script to increase the power of G Suite has delivered a range of benefits to Cargills Bank and enabled the institution to pass on valuable insights to the Sri Lankan Google user community. “Our work with Google has made us a source of expert knowledge that can be accessed by the wider business community” says Fernando.
Workflows increased from 25 to 40
With G Suite and Apps Script, Cargills Bank teams are working more efficiently and the number of streamlined processes has increased from 25 to 40. The bank is using Forms to support simple applications, and a combination of Forms, Apps Script, and HTML code to run complex workflows encompassing validation, documentation, and authorization, and that require sandboxes for code testing and experimentation.
Key workflows supported by Forms and Apps Script include credit card and bank account applications. These workflows automate the process of helping ensure relevant teams review and accept or reject customer applications based on KYC rules. For example, when a customer applies for a new account, a bank employee will scan the request document and supporting information, which is then sent electronically to another team for verification. That team may reject, request more information, or approve the application for escalation to another team for authorization. The authorization team can then approve, reject, or request more information. Each step is automated and associated documentation stored on Drive.
For a credit card application, the Cargills Bank risk department uses a Forms and Apps Script powered workflow to evaluate risk factors such as an applicant’s age, credit history, income, and assets.
Other workflows powered by G Suite manage vehicle reservations, loan origination, customer complaints, incident management, system access requests, lead generation, and e-learning.
“All requests and requirements for vehicles for occasions such as official visits are submitted and authorized through a process supported by Apps Script,” says Fernando. “An approved reservation is sent to the calendar of the person who made the request and pops up in a person’s mobile phone or computer when it is scheduled. This is much simpler than our previous system that required us to send text messages to people to advise them their vehicles were ready.”
E-learning a key process
E-learning is a particularly important activity Cargills Bank has implemented using G Suite. Employees complete learning modules online that help them perform their roles effectively and to pass exams set either by the bank or based on content regulated by the Central Bank of Sri Lanka. Most of the learning material is created in Forms, while Google workflows and dashboards enable managers to track when employees have completed various e-learning modules.
Automation through Google has enabled Cargills Bank to complete backend processes associated with workflows from two days to just two minutes. Uptime is over 99 percent, helping ensure the bank can meet regulatory and internal business requirements.
With workflows powered by G Suite and Apps Script well established within the bank, the institution is continuing to invest in Google Cloud Platform services. A Cloud SQL database manages retail and housing loan information captured and used by Cargills Bank’s loan origination system and workflows. The bank has also started using Google Data Studio to create dashboards that enable it to visualize critical information.
Furthermore, Fernando and his team are exploring the potential of Google machine learning services to help develop chatbots. “Whenever our development team sees a powerful new product from Google, we conduct a deep dive to determine what application it may have for the bank,” Fernando says.
Upgraded G Suite and added new workflows
In January 2019, Cargills Bank elected to upgrade to G Suite Business to take advantage of features such as unlimited storage to archive all its files in digital formats on Drive.
The institution had also used Apps Script to develop complex new workflows across several modules to automate and streamline credit risk scoring, and track and audit hardware movement. In addition, Cargills Bank has developed and deployed new applications using App Maker, available through G Suite Business, and connected them to Cloud SQL to enhance the security of workflow data.
Cargills Bank is now using Google Data Studio, through connectivity to Sheets, to create dashboards for its previously-developed workflow applications.
The institution has also stepped up its collaboration activities through the use of the Jamboard digital whiteboard, available through G Suite. Initially used to exchange ideas between members of the Cargills Bank technology department, the service is due to launch to all users in the coming months.
Reduced friction
Cargills Bank Chief Operating Officer Rohan Muttiah welcomes the role G Suite plays in enabling the business to realize its objectives. “Cloud-based productivity tools such as G Suite reduce friction within our business processes, enabling us to operate more efficiently and effectively in bringing banking to the people of Sri Lanka,” he says.
“Deploying G Suite has given us an agile, dynamic platform to achieve growth based on increased use of fintech and digital technologies,” Fernando says. “Ultimately we want all Sri Lankans to access financial services wherever and whenever they need to and we see G Suite as providing many of the capabilities that enable us to do that.”

The Tech Behind Goibibo’s Amazing Collaboration Tool That Employees Love
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Founded in 2007 and entering the travel market in 2009, Goibibo has grown to support 21 million users, 98% of whom are based in India. “We
Goibibo started with two engineers and three business managers—a workforce that has grown to 200 engineers and about 300 business managers, including a large business development team. “Our business development managers are integral to our growth, as they help build relationships with partners such as hotels,”Sahni says
Goibibo prides itself on a culture of fast-paced development and innovation. However, it had initially elected to run traditional workforce productivity applications on in-house servers. These applications forced team members who needed input into proposals, presentations, spreadsheets, and other business documents to send out drafts, and then aggregate and consolidate feedback from multiple sources.
This process was not just time-consuming, but vulnerable to version control problems as several versions of the same document could be in circulation throughout the business.
Furthermore, Goibibo had to expend considerable time and resources maintaining and upgrading hardware, software, and associated facilities. This ate into the technology team’s ability to improve the features and functionality of the company’s websites and applications.
Google AppSheet Leads the Low-code Development Platform Market for Business Developers: Forrester

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We’re excited to share the news that leading global research and advisory firm Forrester Research has named Google AppSheet a Leader in the recently released report The Forrester Wave™: Low-code Platforms for Business Developers, Q4 2021. It’s our treasured community of business developers—those closest to the challenges that line-of-business apps can solve—who deserve credit for not only the millions of apps created with AppSheet, but also the collaborative approach to no-code development that has helped further our mission of empowering everyone to build custom solutions to reclaim their time and talent.
AppSheet received the highest marks possible in the product vision and planned enhancements criteria, with Forrester noting in the report that “AppSheet’s vision for AI-infused-and-supported citizen development is unique and particularly well suited to Google. The tech giant’s deep pockets and ecosystem give AppSheet an advantage in its path to market, market visibility, and product roadmap.”
“Features for process automation and AI are leading,” remarking that, “The platform provides a clean, intuitive modeling environment suitable for both long-running processes and triggered automations, as well as a useful range of pragmatic AI services such as document ingestion.”
Many enterprise customers including Carrefour Property – Carmila, Globe Telecom, American Electric Power, and Singapore Press Holdings (SPH) choose AppSheet as their business developer partner, along with thousands of other organizations in every industry. We are honored to serve these customers and to be a Leader in the Forrester Wave™: Low-code Platforms for Business Developers. We look forward to continuing to innovate and to helping customers on their digital transformation journey. To download the full report, visit here and enter your email address. To learn more about AppSheet, visit our website.
TELUS and Google Cloud Partner to Move Towards a More Sustainable Future

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Environmental sustainability is a key priority for TELUS, a world-leading communications technology company. It continues to rank in the top 100 most sustainably managed companies in the world, and seeks to make a healthier planet for all by leveraging its global-leading technology, compassion to drive social change and reduce our collective carbon footprint through innovative technologies and sustainable business practices.
TELUS surpassed its sustainability objectives in 2019 and is now on a journey to procure all of its electricity from renewable or low-emitting sources by 2025. Next, it aims to achieve net carbon neutrality for its operations by 2030. TELUS has also been named to the Dow Jones Sustainability Index for 21 consecutive years, a feat unmatched by any other North American telecom or cable company. In 2021, it became the first company in Canada to release a Sustainability-linked bond (SLB) framework and complete an SLB offering, formally linking TELUS financing to its environmental performance.
“We’ve spent the last decade becoming a global leader in sustainability, helping make the planet healthier by ensuring that our operations are as environmentally responsible as possible,” said Geoff Pegg, Head of Sustainability and Environment at TELUS.
In part, TELUS’ strategy is focused on three key areas:
- Seek the best renewable energy options available
- Focus on migrating workloads to the cloud
- Embrace a multiplier effect through the use of sustainable partners
Renewable energy impact
Part of this environmental responsibility involves investing heavily in renewable energy sources through power purchase agreements (PPAs) that help renewable energy providers like wind farms and solar companies develop their infrastructure. TELUS executed PPAs with four Alberta-based solar and wind facilities to provide 100 per cent of its electricity load demand in a province where one-third of the grid is powered by coal.
As a technology company, electricity represents a large portion of TELUS’ energy needs: 80 percent of the operational carbon footprint comes from the power requirements for TELUS’ network and administrative buildings, Pegg explains. While TELUS is using renewable energy sources and low-emitting energy grids to power its buildings and network, there’s also the often-forgotten part of the carbon emissions equation: the energy it takes to power data centers. As the International Energy Agency recently reported, data centers represent 1 percent of the global electricity demand and that figure is expected to keep rising as the world increases usage of data-heavy technologies.
“It’s probably no surprise that everyone, whether you’re a business or a consumer, is concerned about reducing carbon emissions,” said Chris Talbott, the Google Cloud Sustainability Lead. “A lot of us think about the carbon emissions associated with our cars or with the electricity that powers our homes, but oftentimes we forget about the carbon emissions that come from the digital services that we use or the networks required to deliver that data.”
As a leader in sustainability, how can TELUS meet the energy demands of its customers while also protecting the environment? One way is through the company’s previously announced collaboration with Google Cloud. The two companies are working together to build a more sustainable world through technology and reduce TELUS’ carbon footprint, create value along the entire supply chain, and optimize industry solutions for social impact through data analytics and machine learning.
Taking a cloud first approach — reducing carbon emissions with green cloud computing
Google became carbon neutral in 2007 and has achieved 100 per cent renewable energy matching every year since 2017. Google has invested in renewable energy to match the electricity we use across our entire operations, including Google Cloud, meaning every workload that TELUS runs on Google Cloud has been matched with renewable energy purchases.
“The operational carbon footprint of running anything on Google Cloud is zero,” Talbott said. Also, by working with Google, TELUS gets the benefit of economies of scale using less electricity. Not only is TELUS leveraging Google data centers, it’s also relying on the digital collaboration made possible by Google Workspace to reduce the amount of travel required by employees attending meetings in different offices. Collaboration tools like Google Meet can reduce the carbon footprint of in-person conferences by 94 percent.
Google compensates for the environmental footprint of any electricity used in the data center and out to the edge network. “You can feel pretty good about using Google Meet because it’s carbon-neutral,” Talbott said.
Multiplier through sustainable partnerships — green cloud computing radiates out
By supporting TELUS in its environmental sustainability efforts, Google Cloud is also enabling TELUS to do the same for its various partnerships. For example, powered by Google Cloud’s infrastructure and data analytics capabilities, TELUS is partnering with Picacity (formerly NXN Digital) and Google Cloud to deliver an ecosystem of integrated smart technologies that enable cities to improve the lives of their residents.
From dynamic traffic signaling that reduces congestion and emissions, to data analytics that create smarter, more efficient city planning, the partnership is transforming the way municipalities operate in our increasingly digital world.The partnership is built on four foundational pillars of infrastructure and environmental sustainability, intelligent transportation, public safety and security, and health. In the case of intelligent transportation, this means sensors, cameras, and other devices are built into or near roads, sidewalks, and bike paths to provide data for innovative software to improve traffic flow in real time. The data can then foster informed decisions about infrastructure, city planning, fleet optimization, and public safety.
All of these environmental measures may seem small when compared with the enormity of the problem that is climate change, but as Talbott said, “Change begins with the small decisions we make every day such as paying attention to the practices of companies that we’ve come to rely on daily in the modern world. They may seem small and in the margins, but at scale, this is how we can make a real impact.”
Future of Work: What You Don’t Know Will Cost You

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The future of work is here—it’s just not evenly distributed. Indeed, many of the technologies, trends, and cultural norms that will drive tomorrow’s workplaces are already reshaping organizations around the world today. We examine this topic in a new Google Cloud report on the future of collaboration and productivity, featuring the results of original research, predictions by business and technology leaders, and recommendations from Google experts.
The report also identifies three important and impactful changes that businesses can make today to catch up with forward-thinking competitors. Here are the highlights:
1. Give people tools that help them save time and work faster.
What is it about work that just isn’t working? Research shows that employees around the world spend significant chunks of their day on low-value activities that get in the way of efficiency, productivity, and innovation. These include attending unnecessary meetings, managing high volumes of email, tracking down the right versions of documents, switching between applications, and generally struggling with outdated technology.
To help their employees spend more time on work that matters, future-minded organizations are replacing legacy business software with cloud-based tools that integrate seamlessly with one another and use automation to make routine tasks less burdensome. For example, an app might surface the right information at the right time so you don’t have to go hunting for it, suggest commonly used phrases as you type, or propose available meeting times and conference rooms. Add up the few minutes you save on each task, and that’s a significant portion of the day you’ve reclaimed for the work that matters.
2. Empower people to access knowledge and share ideas.
Have you ever used Google Search to find your own company’s logo? Or recreated content that already existed because you couldn’t track something down? Employees around the world experience similar challenges when searching for what they need across siloed, ineffective information repositories within their organizations. And that’s a problem, because nearly 80% of business leaders agree that seamless, digital access to knowledge is very important to overall performance, according to a survey sponsored by Google Cloud and conducted by Harvard Business Review Analytic Services.
The solution? Providing employees with centrally managed technology that lets them access and share knowledge more easily, curbing reliance on unsanctioned apps that may put sensitive data at risk. Fast access to relevant information can also help cultivate new opportunities for employees to contribute, whether it’s by suggesting a new product or service, providing feedback on internal processes or business initiatives, or exchanging insights with colleagues across the company. Eighty-nine percent of executives say that for a business to be successful, new ideas must come from everyone across the organization, from senior executives to front-line employees, according to another survey sponsored by Google Cloud and conducted by Harvard Business Review Analytic Services.
3. Let people work how they want: flexibly and collaboratively.
Along with time-saving tools and expanded access to information, two core values are reshaping work for forward-thinking organizations and will help determine the future success of every business: flexibility and collaboration. According to Deloitte research, only 17% of millennials are willing to stay with an employer for more than five years without the opportunity to work where they choose, while 74% of global employees believe that businesses perform better when they encourage teamwork.
Luckily, technology is evolving to support this sweeping shift toward flexible collaboration. We now have tools that let people on opposite sides of the globe work together as a team, from video meetings for face-to-face interaction to digital whiteboards for collective brainstorming. Research shows that more and more businesses are taking advantage of these cloud-powered services: 27% of global executives adopted integrated software suites for collaborative content creation and idea-sharing in the last two years, while an additional 24% plan to do so by 2021, according to Harvard Business Review Analytic Services.
YoungCapital CIO: Why I Moved to Google Cloud and G Suite to Grow Our Business

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When your business is rapidly adding new employees, expanding to new countries, and always focused on staying ahead of the competition, you have to take a hard look at the tools that are slowing you down—and swap them out for better ones that can keep pace with the company. We’re expanding YoungCapital in Germany, which means more offices, more people, and more technology to make the business run smoothly.
As we scale, Google Cloud tools like Chromebooks and G Suite help us grow our business efficiently. They free us up from sluggish, time-intensive technology that’s hard to maintain and repair, and give us the freedom to work together in faster, smarter ways.
Free from hours of device setup. Some months, there are as many as 40 new employees starting at YoungCapital—and as we continue to expand that number will continue to rise, especially now that we’ve opened three new offices in Germany. With our old Windows desktops, setting up new computers could take up to an hour per employee (which can add up to about 40 hours a month for IT). Today, using Chrome Enterprise tools, it takes about five minutes to get an Acer Spin or Pixelbook ready to hand off to a new hire—saving us more than three months per year of device setup time.
Free from VPNs. Our previous Windows machines required a complicated virtual private network (VPN) for accessing corporate files outside of the office. Using a VPN was complicated for our employees because the software wasn’t intuitive; if an employee had trouble signing into the VPN while at home or traveling, they could not log in and work as quickly as they needed to. With Chromebooks, all you need is an online connection to sign into G Suite to access files and work from anywhere.
From our perspective, Chromebooks are resistant to threats like ransomware and phishing attacks, giving us confidence that our data can stay secure. With Chrome Enterprise Upgrade, our IT admins can strengthen security even further: for example, by enabling advanced security features that help block vulnerabilities, locking down lost or stolen devices right away, and setting device security policies in the cloud so devices everywhere are safer.
Free from infrastructure. We used to have to invest in servers, and then add more time and money to keep them running. Now we don’t have to run the business on infrastructure or hire people to maintain it—we can just use Google’s cloud. NextNovate is helping us make the most of Google Cloud Platform, like integrating some of our proprietary applications with G Suite and building our own add-ons. For example, we created a button for Gmail that connects to our job candidate database; when candidates email us, we can click on the button and see their profiles and work experience.
Free from multiple passwords and logins. Chrome Browser and G Suite with single sign-provider SAML are the portal to all the productivity apps our employees need. Once people log in to G Suite, they don’t have to remember a bunch of other user names and passwords. The IT team loves it too, because we don’t have to spend hours zeroing out passwords and creating new ones.
Free to manage cross-country devices easily in the cloud. Our four-person IT support team, which keeps our systems humming, hasn’t grown, even though we’ve doubled the number of employees. When we were on Windows devices, we fielded roughly 1,800 IT support requests every month. Now we get about 1,300 requests a month, from a much bigger employee base. This translates to nearly 30% fewer requests for our lean support team, which reduces their workload significantly even though we have roughly 20% more employees—all made possible with Chrome Enterprise.
Being free of slow, high-maintenance technology doesn’t just make the IT department happy—people are actually changing how they work. They no longer send files to each other by email or struggle to keep track of versions; they store everything in Google Drive and work together in Google Docs on a single document at the same time. And instead of traveling to other offices, connecting with each other in video conferences on Hangouts Meet has become a completely natural way to do business.
With Chromebooks and G Suite, we’re ready for anything: more new markets, more employees, and more-flexible ways to work together and shake up the staffing industry.
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