Founded in 1930 and headquartered in Jordan, Arab Bank is one of the oldest banks in the Middle East. Operating out of 28 countries, we’ve earned our customers’ trust with a prudent approach to operations and respect for the cultures and customs in the region. 

With a few exceptions where cloud providers have hosted their datacenter in a Middle Eastern or North African country, the banking sector, in general, in the region has been slow to adopt cloud technology for a number of reasons, including concern about data security, maturity and security controls of cloud services (PaaS and SaaS), and regulations in place. But on the other hand, we saw the opportunity to accelerate our development and testing using the cloud, as well as to partner with the fintech community and digital service providers to integrate their solution in the banking ecosystem. We needed more flexibility to connect with the outside world, and a more open architecture to help us drive our internal innovation at a faster rate with the help of the fintech industry. By collaborating with Google Cloud, we reached those goals and accelerated app development and testing through products like Apigee and Anthos. We’re now offering innovative apps and services to our customers and employees that leverage new technological capabilities to give more agility and flexibility, and to optimize our workloads.

Embracing the cloud in a regulated industry 

To get started with the cloud, we needed to create internal awareness about cloud technology, the API layer, containers and their benefits amongst our leaders and staff. Google helped us educate and get buy-in from key functions by organizing open technology demonstration sessions and discussion panels. When considering potential cloud providers we had four decision criteria: maturity of security controls, ease of use, cost, and scalability / agility for new deployments and continuous innovation. This last factor was critical, and we were impressed by Google Cloud’s innovation roadmap, both via direct conversations and at Google’s Next conference, where we met a lot of people passionate about technology, innovation and building something new.  

Going back to our journey, given the above-mentioned regional limitations, we started to develop a hybrid cloud approach. This helped us continue to operate on-premises for a number of services in production, particularly those that have personally identifiable information (PII) or other sensitive data attached, and to leverage the cloud for development, testing and production workloads that don’t contain customer data. 

In the short term, we didn’t anticipate that our many jurisdictions would allow data to be transported to other countries. But cloud tools will allow us to tokenize or anonymize customer data while maintaining customer data on-premises. This applies to many digital journeys such as customer onboarding, credit facility online applications, or marketplace navigation. In the coming years, we predict our API integration with partners will accelerate and enrich the overall digital value proposition of our business segments, namely consumer banking, small and medium-size businesses and large corporate and institutional clients. 

Building connections and cornerstones in the cloud

The first move in our digital transformation was to implement Apigee, Google Cloud’s API management platform, to connect to the world’s digital banking ecosystem. Apigee provides the security, sharing, mediation policies, and developer portal capabilities for us to successfully meet Open Banking standards while focusing on innovation.  

On the back of the Apigee implementation, we created an accelerator program to incubate Fintech ideas that can, in turn, integrate into our digital platforms and be offered to our customers. We also developed various banking APIs, all designed and documented in accordance with PSD2 and Open Banking regulations, and made them available to our partners. These APIs exposed on our API development portal offer the needed code structure for fintech companies to design creative solutions around them.

Next, we adopted Anthos, Google Cloud’s managed application platform. Anthos has become a cornerstone of our operations because it works across hybrid cloud, offering integration of microservice containers and fueling collaborative opportunities with external parties. Our current Anthos infrastructure includes several hundreds of  microservices now running on containers in Google Kubernetes Engine (GKE) and on-premises. We now use the cloud for collaboration, development and testing, but not for production, which is done on-premises. 

Along the way, Google Cloud’s Professional Services Organization (PSO) helped us through the entire cloud setup process, and with the adoption of Anthos. We originally built on the cloud tools through an iterative process, learning from our successes and errors along the way. Now that we have a better sense of how Anthos operates, we’re building a fresh infrastructure atop a sound, stable, and resilient foundation that will let us scale easily as we work to transform Arab Bank into a digital-first enterprise, that is our ambition. 

Currently products running on Anthos include customer acquisition and onboarding via mobile apps, and our Arabi-Pay app, which allows customers to instantly pay each other via WhatsApp or other messaging platforms. Leveraging Anthos, our instant loan service for Arab Bank salaried employees can grant and disburse loans up to $7,000 in less than seven minutes.

In addition, we’ve built a number of digital journeys for our Small and Medium Enterprise (SME) customers, such as our SME client digital onboarding process and paperless SME lending platform.

While some may think that digital adoption in this part of the world can be slow, as customer contact remains anchored in our customs, the recent COVID-19 pandemic has accelerated the adoption of digital banking services and electronic payments, inspiring more confidence to buy and pay online. Thanks to our rich and user-friendly banking app that relies on Apigee and Anthos for critical customer journeys, over 90% of new-to-bank customers are using our mobile apps. Within the next 18 months, we predict that number will be closer to 100%. 

Of course, with higher customer adoption comes the challenge of potential service interruptions. A single moment of downtime can be highly visible to many digital customers. But Google Cloud’s Anthos and Apigee give us the flexibility to resume processes at a fast rate, so any interruptions are almost invisible to our customers. In fact, when the COVID-19 pandemic hit, though our branches could be open only for limited hours each day, our consumer clients in particular were able to take advantage of our digital services in a very self-sufficient manner. Being well positioned with Google Cloud, we could also keep our internal teams and external partners connected and productive. Without Google Cloud, continuing the digital transformation of the bank at the pace we wanted would have been a big challenge. 

Collaborating across borders and time zones

With Google Cloud, our ability to collaborate and partner has transformed significantly. We operate 24/7 now because our developers are scattered across multiple geographies and different time zones. Because testing and deployment can run around the clock, including on weekends, we currently deploy a new digital journey in a few weeks, faster than ever before. This has given our organization a spirited mindset that prioritizes innovation, and raised the bar in terms of our operating model.  

Another consideration about Google Cloud tools is the elimination of inefficient processes typically seen in a software development lifecycle. We now build in a completely agile manner, from design squads until deployment in production. Compared to where we were two years ago, when we had an annual maximum of two systems releases in production, we now have close to monthly releases of our digital packages. In addition, we also  supplement those monthly releases with additional ad-hoc releases and fixes in between. As a result, we have removed internal silos and improved tremendously the collaboration between the product and sales teams, operations, IT Dev Factory and Infrastructure, as well as our supporting functions.

Through the agile process facilitated by APIs, we introduced Design Thinking workshops involving external customers and prospects early on to understand their true pain points better and emotions during the existing journeys and how to make new digital journeys frictionless. As a result, the relevance of our products for various customer personas has improved tremendously. 

Transcending banking 

With Google Cloud, we can offer our customers so much more than just banking. We’ve become more digitally relevant to their lives. For example, we recently launched a mortgage app that helps customers all the way from home selection through mortgage negotiations and closing, and even to getting the home decorated. It’s an end-to-end journey in which API integration with key regional players was a cornerstone to our success. 

For other digital products, we have an extensive roadmap of lifestyle-based solutions relevant to each segment and age group. We’ve only scratched the surface of the services we can provide, and we see the cloud as the future for everything we want to do.

Read more about Google Cloud’s Open Banking solution to learn how you can simplify and accelerate the process of delivering open banking as required by PSD2. You can also view our video on Open Banking, powered by Apigee API Management.

PIK Group is the leading developer of large-scale residential housing projects in Russia. Founded in 1994, PIK Group has built more than 300,000 apartments – 19 million square meters of residential real estate in Moscow and other cities.

To achieve and maintain its position at the top of the real estate industry, PIK Group has made innovation central to its business model, whether creating new building techniques or embracing automation. New technology, in particular, enables the company to achieve efficiencies at scale and streamline processes, such as with PIK Group’s app, developed in-house, through which engineers can send photographs as evidence of the quality of building work.

PIK Group looked for a reliable, fast way for teams to collaborate across multiple offices, on the road, and at construction sites. Because the company handles large volumes of sensitive customer data, security was a key concern. To create a collaboration platform ready to pull the company together, PIK Group looked for a cloud solution to streamline processes and improve productivity.

“The construction industry is progressing,” says Ilya Tikhomirov, CIO at PIK Group. “There are new ways of working, new construction processes, and new materials. PIK wants to lead change in that external context with an internal transformation.”

Automating collaborative processes for greater efficiency

“One team has information about the layout and condition of our buildings and can count the areas that need work, but then needs to match prices and the required work to that information. Previously, we would spend two to three weeks matching all the lists. Now, using Google Apps Script and Sheets, we can run calculations for a building in one hour.”

– Sergey Fuksman, Deputy CIO, PIK Group

Real estate companies of any size have to communicate between office-based staff and teams on the move. For PIK Group, with more than 7,000 employees and 70 offices in the Moscow region alone, communication has to operate at scale. Because each project involves multiple participants and numerous stages, the right collaboration tools can generate major efficiencies.

“Take costing and scheduling work in an apartment. What might sound simple is a complex process with numerous stages, says Ilya. “We need to define each and every step, and the materials required. One group of employees says what the task requires, then another group of employees cost the materials and labor, and yet another group matches the costs to the plan. That process alone requires a lot of communication and collaboration, and it’s just one of many in a single project.” To enhance collaboration, PIK Group looked to give staff instant access to a central, highly secure file repository from anywhere at anytime.

“It’s so much easier to work with our 2,000 suppliers when we share Docs and Sheets instead of emailing back and forth. The speed and convenience of this new way of working is immediately clear. A number of our third-party contractors have been so impressed that they’ve implemented G Suite at their own firms.”

– Ilya Tikhomirov, CIO, PIK Group

To do that, PIK Group implemented the full range of G Suite collaborative tools across more than 7,000 employees. “G Suite has helped change the way employees think about the work they do,” says Ilya. “It has helped them to foster the culture of a small start-up, with all of the agility associated with that.” Now staff at more than 70 offices in the Moscow region managing the construction and sale of apartment blocks, meet and communicate using Google Hangouts and collaborate over distance on Google Sheets and Google Docs, reducing the need to travel and increasing their efficiency by approximately 20%.

In order to reduce the complex, laborious work of prototyping projects, PIK Group automates aspects of the process using Google Apps Script to match lists in different Sheets and generate documents, as Sergey Fuksman, Deputy CIO at PIK Group explains: “One team has information about the layout and condition of our buildings and can count the areas that need work, but then need to match prices and the required work to that information. Previously, we would spend two to three weeks matching all the lists. Now, using Apps Script and Sheets, we can run calculations for a building in one hour.”

Migrating to the cloud for machine learning at scale

With over 7,000 G Suite accounts implemented, PIK Group has set its sights on migrating local infrastructure to Google Cloud Platform. “We have a big IT department with many developers, and we want to redirect them to important projects instead of IT maintenance,” says Ilya. “With machine learning and TensorFlow, we plan to use data from over 50 systems to inform business decisions.”

PIK Group’s internal change is already yielding external results. “It’s so much easier to work with our 2,000 suppliers when we share Docs and Sheets instead of emailing back and forth,” says Ilya. “The speed and convenience of this new way of working is immediately clear. A number of our third-party contractors have been so impressed that they’ve implemented G Suite at their own firms.”

Creating a secure-by-default experience based on robust defenses has always been a core design principle for Gmail. That’s why we’ve established a strong baseline of security in Gmail, with built-in protections to help automatically filter out potentially malicious messages. While these defenses help keep Gmail users safe, email functions as part of a large, complex, interconnected ecosystem that we continually invest in and work to protect. After first announcing Gmail’s Brand Indicators for Message Identification (BIMI) pilot last year, today we’re announcing that over the coming weeks we’re rolling out Gmail’s general support of BIMI, an industry standard that aims to drive adoption of strong sender authentication for the entire email ecosystem. BIMI provides email recipients and email security systems increased confidence in the source of emails, and enables senders to provide their audience with a more immersive experience.

“Bank of America has a wide range of security measures in place to support our customers, and we constantly evolve our program to deliver best in class protection. Part of this effort is our partnership with Google on BIMI, which provides an easy way to validate if correspondence is from us.” — Bank of America

BIMI enables organizations that authenticate their emails using Domain-based Message Authentication, Reporting, and Conformance (DMARC)—a standard for providing strong sender authentication that allows security systems to perform better filtering, separating legitimate messages from potentially spoofed ones—to validate ownership of their logos and securely transmit them to Google. BIMI is designed to be easy: for organizations with DMARC in place, validated logos display on authenticated emails from their domains and subdomains.

Here’s how it works: Organizations who authenticate their emails using Sender Policy Framework (SPF) or Domain Keys Identified Mail (DKIM) and deploy DMARC can provide their validated trademarked logos to Google via a Verified Mark Certificate (VMC). BIMI leverages Mark Verifying Authorities, like Certification Authorities, to verify logo ownership and provide proof of verification in a VMC. Once these authenticated emails pass our other anti-abuse checks, Gmail will start displaying the logo in the existing avatar slot.  

“Gmail’s support of BIMI is a win for email authentication, brand trust, and consumers alike. BIMI gives organizations the opportunity to provide their customers with a more immersive email experience, strengthening email sender authentication across the entire email ecosystem.” — Seth Blank, Chair of the AuthIndicators Working Group

This is just the start for BIMI. The standard expects to expand support across logo types and validators. For logo validation, BIMI is starting by supporting the validation of trademarked logos, since they are a common target of impersonation. Today, Entrust and DigiCert support BIMI as Certification Authorities, and in the future the BIMI working group expects this list of supporting validation authorities to expand further. To learn more about BIMI and see the latest news, visit the working group’s website.

To take advantage of BIMI, ensure that your organization has adopted DMARC, and that you have validated your logo with a VMC. For Gmail users, no action is required. We’re proud to be one of the leading members in both establishing and supporting the BIMI standard and will continue to support efforts that contribute to security for the entire email ecosystem.

Whether they’re reading the newspaper on the way to work, or catching up on the latest headlines on their smartphones, readers expect up-to-the-minute news wherever and whenever makes the most sense for them. As a result, media companies are increasingly looking for ways to improve, expand, and simplify their offerings, and they’re increasingly looking to the cloud to do it.

For more than 160 years The Telegraph has been counted on by readers across the United Kingdom and globally for award-winning news and journalism. An early adopter of cloud technology, it’s been a G Suite customer since 2008 and has already been using Google Cloud Platform to analyze digital behaviors to improve engagement and advertising performance since 2016.

Recently, The Telegraph announced it’s migrating fully to Google Cloud. By migrating all their production and pre-production services, they aim to deliver content faster, provide compelling experiences to readers, and reduce environmental impact.

“We are delighted to announce our newest collaboration with Google Cloud,” said Chris Taylor, Chief Information Officer, The Telegraph. “We have always worked closely with Google as they help us to provide our readers with great experiences on our digital products, collaboration software and internet scale through search. Their continued leadership in projects such as Kubernetes are enabling us to build flexible development environments that truly support DevOps.”

Powering the Digital Publishing Ecosystem

The Telegraph produces large volumes of digital content every day. It was imperative for them to find a cloud provider they could trust to support this ecosystem. By working with Google Cloud they have changed the way they see and engage with data: they can collect new information about their products every second and use that to continually hone their strategy. The Telegraph are placing more confidence and trust in the data captured about their content and now have one of the best available pieces of technology for capturing and analyzing the stories they publish in real-time.

Leveraging AI to support journalists

Time is critical when journalists are on a story, and The Telegraph wants to put important data in the hands of its journalists right when they need it. To do this, it will be using AutoML to classify content for journalists and make it more discoverable. For example, a reporter will be able to bring up relevant assets that link to their stories. It will also apply AutoML to classify Telegraph stock photos to help journalists attach compelling visual content to their stories faster.

Building compelling reader experiences with the help of APIs

Readers have an ever-increasing expectation of personalization. To meet this need, The Telegraph launched My Telegraph, currently live in beta, to offer registered readers personalized news experiences based on their interests or the particular journalists they want to follow. My Telegraph was developed on an API management platform provided by Google Cloud’s Apigee. You can learn more about how it’s applying API management to My Telegraph, in this blog post.

Working for environmental good

The Telegraph is the biggest selling quality newspaper in the UK, an accolade which requires it to print and distribute hundreds of thousands of copies each day. Optimal management of print production is important, and by using a combination of the cloud and machine learning, The Telegraph is better able to predict demand for physical newspapers, maximizing sales and minimizing waste. This makes great business sense for The Telegraph but also has great environmental benefit.