Apigee and Vision API: ICICI Prudential Life Insurance’s Journey of Speeding Document Processing

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Google Cloud results
- Helps enable instant document approval with optical character recognition by Vision API
- Processes 100,000 documents in 20 minutes with automated document processing product Recognic, powered by Vision API and Apigee
- Helps increase the number of applications processed by 30% within the same timeframe
The insurance landscape in India has seen significant changes in recent years with the adoption of new technology. As one of the major insurance providers in the country, ICICI Prudential Life Insurance has aimed to lead in this transformation journey. “There has been a data explosion across India over the past few years, together with a high mobile penetration rate. Today, about 60% of our customers approach us via mobile, for example, which was certainly not the case before,” says Alpesh Karnik, SVP, IT, at ICICI Life Insurance.
Consumer expectations have also evolved, with easier access to information and online services. “Consumers today are more informed on the importance of investing in insurance products, so there’s much more of a pull factor when it comes to sales, but they also want to be able to get these products quickly and easily,” adds Alpesh. To meet the demands of these consumers, ICICI Prudential Life Insurance realized it needed to make its processes even faster and more efficient. Looking to upgrade its infrastructure, the company turned to Google Cloud.
“The biggest benefit of using Recognic and Vision API is that it eliminates the initial waiting time, which can result in drop-offs. Now customers can know immediately whether their documents are sufficient, or if they need to revise or submit any others.”—Alpesh Karnik, SVP, IT, ICICI Prudential Life Insurance
Serving customers better by speeding up processes with Google Cloud
ICICI Prudential Life Insurance’s distributors were already using tablets to input customer data faster and more efficiently, but many of the company’s solutions still required a team at the back end to manually sift through documents for approval. This meant that customers needed to wait five or six hours, or sometimes until the next working day, to know if their documents were approved or needed revision.
That all changed after partnering with Google Cloud Premier Partner Searce to take advantage of its AI/ML powered automated document processing product Recognic, which is built on Google Cloud. Developed using the optical character recognition (OCR) capabilities of Cloud Vision, Recognic reads, understands, and validates documents at scale, enabling organizations that handle massive amounts of paperwork to digitize these documents and then accurately store and index them.
“Google Cloud has cut down the middle- and back-office work, leading to a 30% increase in the number of applications we can process in the same time span without the need for additional resources.”—Alpesh Karnik, SVP, IT, ICICI Prudential Life Insurance
“In the case of ICICI Prudential, the biggest benefit of using Recognic and Vision API is that it eliminates the initial waiting time, which can result in drop-offs. Now customers can know immediately whether their documents are sufficient, or if they need to revise or submit any others,” Alpesh adds.
Alpesh explains that if the details on the application form match the documents provided, the case doesn’t need to go to the underwriter for further checks and can go directly to policy issuance. “Google Cloud has cut down the middle- and back-office work, leading to a 30% increase in the number of applications we can process in the same time span without the need for additional resources.”
ICICI Prudential Life Insurance is also working with Searce to build deep learning models into Recognic so that it can overcome template barriers and input data from a variety of forms. This is particularly helpful for financial and medical documents underwriting because unlike a passport or driving license, financial documents have a higher structural complexity.
As customer data becomes more important in the work of ICICI Prudential Life Insurance, so does protecting it, and the company is taking every measure to safeguard the security and privacy of its customers’ information. “Details of customers’ contactability are automatically removed by Google Cloud after processing is complete. This step in the workflow gives us the confidence that data is not stored at any level of the optical character recognition process,” says Alpesh.
Partnering with the right teams for dedicated support
In achieving the best solution for its business goals, ICICI Prudential Life Insurance recognizes the importance of its decision to work with partners that truly understand the insurance business. “There are many intricacies involved in this business, and it’s clear that both Google Cloud and Searce really took the time to understand our underwriting processes before coming up with a solution,” says Alpesh. He adds that during the implementation process, all findings were well documented and queries were responded to quickly.
“We didn’t want to take any shortcuts deploying Recognic, but at the same time, we didn’t want to draw out the implementation process. The excellent support from both Google Cloud and Searce throughout the journey was reassuring for us as they were always thinking ahead.”
Future-proofing the organization through machine learning and AI
In the coming years, Alpesh foresees the insurance industry to be even more agile than it is today. “I doubt elaborate processes such as underwriting or operations checks will need to be done manually in the future. Everything will be done through machine learning and AI.” In light of this, ICICI Prudential Life Insurance is doing everything it can to prepare, as customers’ expectations are set to keep evolving. “We have to be prepared for the future, and I believe that with Google Cloud, we can do it.”
About ICICI Prudential Life Insurance
ICICI Prudential Life Insurance aims to lead the Indian insurance field through quality products and a hassle-free claim settlement experience. A customer-centric company, it offers long-term savings and protection plans to meet customers’ needs at every stage of life.Industries: Financial Services & InsuranceLocation: India
About Searce
Searce is a niche cloud consulting business with futuristic tech in its DNA, focused on “realizing the Next in the Now” for its clients. Specializing in cloud data engineering, AI/ML, and ad
AI Features in Apigee X Helps Build and Manage APIs at Scale

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APIs are the backbone of digital transformation. Via APIs, you can securely share data and functionality with developers both inside and outside of your organizational boundaries, letting you build applications faster, seamlessly connect and interact with partners, and drive new business revenue.
Because APIs encompass business-critical information, any downtime or performance degradation can lead to significant loss in revenue, customers, and brand value. Therefore, there’s mounting pressure on operations teams to ensure that APIs are always available and performing as expected. If the APIs go down, so too do the services that fuel customer experiences and on which the organization relies for collaboration and business processes.

However, as you build and scale your API programs, it becomes practically impossible for API operators to manually monitor and manage all your APIs. To help, we brought the power of industry-leading AI and ML technologies to API operations via Apigee X, a major release of our API management platform. Apigee X seamlessly weaves together Google Cloud’s expertise in AI, security and networking to help you efficiently build and manage APIs at scale.
Put your API data into action
Apigee applies machine learning to your API metadata and provides you the required tools that simplify various aspects of API operations. A great example of AI for APIs is anomaly detection:
- AI-powered rules trigger alerts based on a set of predefined conditions that are determined by applying Google’s industry-leading machine learning models to your historical API data.
- Auto-thresholds adjust the monitoring criteria of your APIs and set them to pattern-based values.
- Reduce overhead results because operators don’t have to manually monitor anomalies or adjust the monitoring thresholds on APIs.
“By applying AI and ML models to our historical API data, these advanced features are able to alert us about scenarios we haven’t thought of. Such automation capabilities significantly reduce our upfront efforts. And from a security perspective, the actionable insights help us ensure that our proxies are exposed only over secure HTTPs ports and adhere to compliance requirements. We’re also able to closely monitor user activity and quickly pull out reports during audits.” – Adam Brancato, Sr. Manager, Global Technology and Security at Citrix

As our customers scale their API programs, they find it extremely useful to harness AI-powered capabilities. In our recent State of the API Economy 2021 report, we found a 230% increase in enterprises’ use of anomaly detection, bot protection, and security analytics features.

To learn more about Apigee X, and see AI and machine learning in action, check out this video, and to try Apigee X for free, click here.
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What’s Next for Personalization on Google Cloud
Customer shopping behavior has changed for good. With fewer in-store shopping visits retailers have had to shore up their digital storefronts and explore new ways to meaningfully engage with their customers.
Delivering a superior customer experience has become even more of a differentiator for the early movers and personalized recommendations have emerged as one of the strongest potential drivers of revenue lift.
But as many retailers have discovered delivering recommendations at scale can actually be quite complex and time consuming.
Learn how to deliver highly-personalized product recommendations with Google Cloud Recommendations AI.
Recommendations AI is now fully open access and self-serve, with more built-in integrations with Google Shopping Merchant Center and Google Analytics, as well as more controls over how you create recommendation pipelines and manage your costs.
You will also hear how Google Cloud partners like Qubit and BigCommerce have successfully deployed Recommendations AI for their customers and made us an integral part of their solution offerings.
ShareChat Builds its Diverse, Hyperlocal Social Network. Thanks to Google Cloud

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Editor’s note: Today’s guest post comes from Indian social media platform ShareChat. Here’s the story of how they improved performance, app development, and analytics for serving regional content to millions of users using Google Cloud.
How do you create a social network when your country has 22 major official languages and countless active regional dialects? At ShareChat, we serve more than 160 million monthly active users who share and view videos, images, GIFs, songs, and more in 15 different Indian languages. We also launched a short video platform in 2020, Moj, which already supports over 80 million monthly active users.
Connecting with people in the language they understand
As mobile data and smartphones have become more affordable in India, we noticed a large new segment of people, many in rural areas, being welcomed onto the internet. However, many of them didn’t speak English, and when it comes to accessing content and information—language plays a significant role. Instead of joining other social media sites where English reigned supreme, new internet users chose to join language or dialect-specific Whatsapp groups where they felt more comfortable instead.
So, we set out to build a platform where people can share their opinions, document their lives, and make new friends, all in their native language. ShareChat simplifies content and people discovery by using a personalized content newsfeed to deliver language-specific content to the right audience.
Given the high-intensity data and high volume of content and traffic, we rely heavily on IT infrastructure. On top of that, a large number of our users rely on 2G networks to post, like, view, or follow each other. Our platform needs to deliver great experiences to people who are spread out across the country and different networks without any reduction in performance.
The right cloud partner to support future growth
ShareChat was born in the cloud—we already knew how to scale systems to serve a large customer base with our existing cloud provider. But like many companies, we struggled with over-provisioning compute and storage to accommodate unpredictable traffic and avoid running out of storage. With demand rising for local language content and an increase in online interactions in response to the COVID-19 crisis, we realized that we would need a more efficient way to scale dynamically and allocate resources as needed.
Google Cloud was a natural choice for us. We wanted to partner with a technology-first company that would make it easy (and cost-effective) to manage a strong technology portfolio that would allow us to build whatever we wanted. Google is at the forefront of technology innovation and provided everything we needed to build, run, and manage our applications (including creating an efficient DevOps pipeline to fix and release new features quickly).
We had a few issues in mind at the start of discussions with the Google Cloud team, but over time, as we got information and support from them, we realized that these were the partners we wanted in our corner when it came time to tackle our most challenging problems. In the end, we decided to take our entire infrastructure to Google Cloud.
To support millions of users, we deploy and scale using Google Kubernetes Engine. While we analyze our data using a combination of managed data cloud services, such as Pub/Sub for data pipelines, BigQuery for analytics, Cloud Spanner for real-time app serving workloads, and Cloud Bigtable for less-indexed databases. We also rely on Cloud CDN to help us distribute high-quality and reliable content delivery at low latency to our users.
We now use just half the total core consumption of our legacy environment to run ShareChat’s existing workloads.
Google Cloud delivers better outcomes at every level
By moving to Google Cloud, we saw major benefits in several key areas:
Zero-downtime migration for users
At the time of migration, we had over 70 terabytes of data, consisting of 220 tables—some of which were up to 14 terabytes with nearly 50 billion rows. Due to our data’s interdependencies, moving services over one at a time wasn’t an option for us.
Even though we were migrating such large volumes of data, we didn’t want to impact any of our customers. Latency spikes for out-of-sync data might affect message delivery. For instance, if a message or notification was delayed, we didn’t want to risk a bad user experience causing someone to abandon ShareChat.
To prepare for the move, we ran a proof-of-concept cluster for over four months to test database performance in a real-world scenario for handling more than a million queries per second. Using an open-source API gateway, we replicated our legacy data environment into Google Cloud for performance testing and capacity analysis. As soon as we were confident Google Cloud could handle the same traffic as our previous cloud environment, we were ready to execute.
Using wrappers, we were able to migrate without having to change anything in our existing application code. The entire migration of 60 million users to Google Cloud took five hours—without any data loss or downtime. Today, ShareChat has grown to 160 million users, and Google Cloud continues to give us the support we need.
Scaling globally to meet unexpected demand
We rely on real-time data to drive everything on ShareChat by tracking everything that goes on in our app—from messages and new groups to content people like or who they follow. Our users create more than a million posts per day, so it’s critical that our systems can process massive amounts of data efficiently.
We chose to migrate to Spanner for its global consistency and secondary index. Unlike our legacy NoSQL database, we could scale without having to rethink existing tables or schema definitions and keep our data systems in sync across multiple locations. It’s also cost-effective for us—moving over 120 tables with 17 indexes into Cloud Spanner reduced our costs by 30%.
Spanner also replicates data seamlessly in multiple locations in real time, enabling us to retrieve documents if one region fails. For instance, when our traffic unexpectedly grew by 500% over just a few days, we were able to scale horizontally with zero lines of code change. We were also launching our Moj video app simultaneously, and we were able to move it to another region without a single issue.
Simplifying development and deployment
On average, we experience about 80,000 requests per second (RPS) –nearly 7 billion RPS per day. That means daily push notifications sent out to the entire user base about daily trending topics can often result in a spike of 130,000 RPS in just a few seconds.
Instead of over-provisioning, Google Kubernetes Engine (GKE) enables us to pre-scale for traffic spikes around scheduled events, such as holidays like Diwali, when millions of Indians send each other greetings.
Migrating to GKE has also enabled us to adopt more agile ways of work, such as automating deployment and saving time with writing scripts. Even though we were already using container-based solutions, they lacked transparency and coverage across the entire deployment funnel.
Kubernetes features, such as sidecar proxy, allows us to attach peripheral tasks like logging into the application without requiring us to make code changes. Kubernetes upgrades are managed by default, so we don’t have to worry about maintenance and stay focused on more valuable work. Clusters and nodes automatically upgrade to run the latest version, minimizing security risks and ensuring we always have access to the latest features.
Low latency and real-time ML predictions
Even though many of our users may be accessing ShareChat outside of metropolitan areas, it doesn’t mean they’re more patient if the app loads slowly or their messages are delayed. We strive to deliver a high-performance experience, regardless of where our users are.
We use Cloud CDN to cache data in five Google Cloud Point of Presence (PoP) locations at the edge in India, allowing us to bring content as close as possible to people and speeding up load time. Since moving to Cloud CDN, our cache hit ratio has improved from 90% to 98.5%—meaning our cache can handle 98.5% of content requests.
As we expand globally, we’d like to use machine learning to reach new people with content in different languages. We want to build new algorithms to process real-time datasets in regional languages and accurately predict what people want to see. Google Cloud gives us an infrastructure optimized to handle compute-intensive workloads that will be useful to us both now—and in the future.
The confidence to build the best platform
Our current system now performs better than before we migrated, but we are continuously building new features on top of it. Google’s data cloud has provided us with an elegant ecosystem of services that allows us to build whatever we want, more easily and faster than ever before.
Perhaps the biggest advantage of partnering with Google Cloud has been the connection we have with the engineers at Google. If we’re working to solve a specific problem statement and find a specific solution in a library or a piece of code, we have the ability to immediately connect with the team responsible for it.
As a result, we have experienced a massive boost in our confidence. We know that we can build a really good system because we not only have a good process in place to solve problems—we have the right support behind us.
Enabling Real-time AI with Streaming Ingestion in Vertex AI

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Many machine learning (ML) use cases, like fraud detection, ad targeting, and recommendation engines, require near real-time predictions. The performance of these predictions is heavily dependent on access to the most up-to-date data, with delays of even a few seconds making all the difference. But it’s difficult to set up the infrastructure needed to support high-throughput updates and low-latency retrieval of data.
Starting this month, Vertex AI Matching Engine and Feature Store will support real-time Streaming Ingestion as Preview features. With Streaming Ingestion for Matching Engine, a fully managed vector database for vector similarity search, items in an index are updated continuously and reflected in similarity search results immediately. With Streaming Ingestion for Feature Store, you can retrieve the latest feature values with low latency for highly accurate predictions, and extract real-time datasets for training.
For example, Digits is taking advantage of Vertex AI Matching Engine Streaming Ingestion to help power their product, Boost, a tool that saves accountants time by automating manual quality control work.“Vertex AI Matching Engine Streaming Ingestion has been key to Digits Boost being able to deliver features and analysis in real-time. Before Matching Engine, transactions were classified on a 24 hour batch schedule, but now with Matching Engine Streaming Ingestion, we can perform near real time incremental indexing – activities like inserting, updating or deleting embeddings on an existing index, which helped us speed up the process. Now feedback to customers is immediate, and we can handle more transactions, more quickly,” said Hannes Hapke, Machine Learning Engineer at Digits.
This blog post covers how these new features can improve predictions and enable near real-time use cases, such as recommendations, content personalization, and cybersecurity monitoring.

Streaming Ingestion enables real-time AI
As organizations recognize the potential business impact of better predictions based on up-to-date data, more real-time AI use cases are being implemented. Here are some examples:
- Real-time recommendations and a real-time marketplace: By adding Streaming Ingestion to their existing Matching Engine-based product recommendations, Mercari is creating a real-time marketplace where users can browse products based on their specific interests, and where results are updated instantly when sellers add new products. Once it’s fully implemented, the experience will be like visiting an early-morning farmer’s market, with fresh food being brought in as you shop. By combining Streaming Ingestion with Matching Engine’s filtering capability, Mercari can specify whether or not an item should be included in the search results, based on tags such as “online/offline” or “instock/nostock.”

Mercari Shops: Streaming Ingestion enables real-time shopping experiment
- Large-scale personalized content streaming: For any stream of content representable with feature vectors (including text, images, or documents), you can design pub-sub channels to pick up valuable content for each subscriber’s specific interests. Because Matching Engine is scalable (i.e., it can process millions of queries each second), you can support millions of online subscribers for content streaming, serving a wide variety of topics that are changing dynamically. With Matching Engine’s filtering capability, you also have real-time control over what content should be included, by assigning tags such as “explicit” or “spam” to each object. You can use Feature Store as a central repository for storing and serving the feature vectors of the contents in near real time.
- Monitoring: Content streaming can also be used for monitoring events or signals from IT infrastructure, IoT devices, manufacturing production lines, and security systems, among other commercial use cases. For example, you can extract signals from millions of sensors and devices and represent them as feature vectors. Matching Engine can be used to continuously update a list of “the top 100 devices with possible defective signals,” or “top 100 sensor events with outliers,” all in near real time.
- Threat/spam detection: If you are monitoring signals from security threat signatures or spam activity patterns, you can use Matching Engine to instantly identify possible attacks from millions of monitoring points. In contrast, security threat identification based on batch processing often involves potentially significant lag, leaving the company vulnerable. With real-time data, your models are better able to catch threats or spams as they happen in your enterprise network, web services, online games, etc.
Implementing streaming use cases
Let’s take a closer look at how you can implement some of these use cases.
Real-time recommendations for retail
Mercari built a feature extraction pipeline with Streaming Ingestion.

The feature extraction pipeline is defined with Vertex AI Pipelines, and is periodically invoked by Cloud Scheduler and Cloud Functions to initiate the following process:
- Get item data: The pipeline issues a query to fetch the updated item data from BigQuery.
- Extract feature vector: The pipeline runs predictions on the data with the word2vec model to extract feature vectors.
- Update index: The pipeline calls Matching Engine APIs to add the feature vectors to the vector index. The vectors are also saved to Cloud Bigtable (and can be replaced with Feature Store in the future).
“We have been evaluating the Matching Engine Streaming Ingestion and couldn’t believe the super short latency of the index update for the first time. We would like to introduce the functionality to our production service as soon as it becomes GA, ” said Nogami Wakana, Software Engineer at Souzoh (a Mercari group company).
This architecture design can be also applied to any retail businesses that need real-time updates for product recommendations.
Ad targeting
Ad recommender systems benefit significantly from real-time features and item matching with the most up-to-date information. Let’s see how Vertex AI can help build a real-time ad targeting system.

The first step is generating a set of candidates from the ad corpus. This is challenging because you must generate relevant candidates in milliseconds and ensure they are up to date. Here you can use Vertex AI Matching Engine to perform low-latency vector similarity matching, generate suitable candidates, and use Streaming Ingestion to ensure that your index is up-to-date with the latest ads.
Next is reranking the candidate selection using a machine learning model to ensure that you have a relevant order of ad candidates. For the model to use the latest data, you can use Feature Store Streaming Ingestion to import the latest features and use online serving to serve feature values at low latency to improve accuracy.
After reranking the ads candidates, you can apply final optimizations, such as applying the latest business logic. You can implement the optimization step using a Cloud Function or Cloud Run.
What’s Next?
Interested? The documents for Streaming Ingestion are available and you can try it out now. Using the new feature is easy: For example, when you create an index on Matching Engine with the REST API, you can specify the indexUpdateMethod attribute as STREAM_UPDATE.
{
displayName: "'${DISPLAY_NAME}'",
description: "'${DISPLAY_NAME}'",
metadata: {
contentsDeltaUri: "'${INPUT_GCS_DIR}'",
config: {
dimensions: "'${DIMENSIONS}'",
approximateNeighborsCount: 150,
distanceMeasureType: "DOT_PRODUCT_DISTANCE",
algorithmConfig: {treeAhConfig: {leafNodeEmbeddingCount: 10000, leafNodesToSearchPercent: 20}}
},
},
indexUpdateMethod: "STREAM_UPDATE"
}After deploying the index, you can update or rebuild the index (feature vectors) with the following format. If the data point ID exists in the index, the data point is updated, otherwise, a new data point is inserted.
{
datapoints: [
{datapoint_id: "'${DATAPOINT_ID_1}'", feature_vector: [...]},
{datapoint_id: "'${DATAPOINT_ID_2}'", feature_vector: [...]}
]
}It can handle the data point insertion/update at high throughput with low latency. The new data point values will be applied in any new queries within a few seconds or milliseconds (the latency varies depending on the various conditions).
The Streaming Ingestion is a powerful functionality and very easy to use. No need to build and operate your own streaming data pipeline for real-time indexing and storage. Yet, it adds significant value to your business with its real-time responsiveness.
To learn more, take a look at the following blog posts for learning Matching Engine and Feature Store concepts and use cases:
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How Google’s Customer Data Platform Helps Retail Brands Offer Data-driven , Personalized CX
Retail companies need customer insights to deliver personalized experiences that impact revenue generation and cost savings. Watch how Google Cloud’s customer data platform helps brands integrate and build holistic view of data in silos to drive marketing and customer service success.
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