Apigee Helps Bank BRI Rewrite its Digital Future and Achieve Financial Inclusion - Build What's Next
Case Study

Apigee Helps Bank BRI Rewrite its Digital Future and Achieve Financial Inclusion

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Bank Rakyat Indonesia(Bank BRI) achieves financial inclusion across Indonesia and recognition for its digital banking strategy by leveraging Cloud Apigee API Management Platform. Read on to learn about Apigee's holistic impact on the bank.

About Bank BRI

Bank Rakyat Indonesia is one of the largest banks in Indonesia and is committed to increasing financial inclusions among un-banked Indonesians. Bank BRI specializes in using modern digital banking to facilitate microfinance lending across its network of over 10,000 branches and thousands of branchless agents.

Google Cloud Results

  • Contributes $50M in revenue through the Apigee monetization feature
  • Wins recognition for best digital bank in Indonesia from The Asian Banker in 2019
  • Achieves ISO 27001 information security for open APIs, earning distinction as the only bank in ASEAN to receive certification to date
  • Reduces partner onboarding from 6 months to under 1 hour with Apigee developer portal

Bank Rakyat Indonesia is making waves in Asia with its award-winning digital strategy. As a government-owned bank, Bank BRI is dedicated to changing the lives of its customers through accelerating financial inclusion across Indonesia. With an aggressive target of 84 percent of Indonesians participating in the banking system by 2022, Bank BRI is leapfrogging fintech competition thanks to its innovative digital strategy that has APIs at its core. By the end of 2019, Bank BRI expects to have reached a 70 percent financial inclusion rate among the country’s population, in part due to the adoption of the Cloud Apigee API Management Platform as the bank’s digital nucleus.

Transforming a legacy into a digital future

In the banking business, trust is essential, not only between the bank and its customers, but also between the bank and its partners. Recognizing that gaining and maintaining this trust would be key to customer and partner adoption of the new Bank BRI products and services, the bank decided to pursue ISO 27001 certification in 2018, becoming the first bank in ASEAN (the Association of Southeast Asian Nations) to become certified as information security compliant. Now the international community of partners and customers who use the bank’s APIs have yet another reason to place their trust Bank BRI.

“Apigee has become the central nervous system for all communications between the digital core banking, the microservices, the frontend, and the apps. Apigee has become our sun. Everything rotates around Apigee.”—Kaspar Situmorang, Executive Vice President, Bank Rakyat Indonesia

Kaspar Situmorang, Executive Vice President of Bank BRI, had the original vision for how the bank could transform itself into a fintech with digital technology and APIs. His team got started by implementing a web-native frontend over a new technology stack with Apigee as a second layer. This was a big change from the legacy technologies that existed when Situmorang joined the bank in 2017. Previously all of the bank’s products had their own public APIs, which were very difficult to manage, secure, and monetize.

Since deploying Apigee, it’s become much easier to manage the entire API lifecycle. Situmorang’s digital bank team of 15 uses the Apigee monetization and developer portal features while managing and securing APIs and conducting big data integrations. Apigee has become Bank BRI’s center of communications, handling all transactions between the bank and third parties.

Whereas previously it could take up to six months to onboard a new partner using host-to-host and VPN technology, now it takes less than an hour for partners to self-onboard using the Bank BRI Apigee developer portal. On the portal, partners can register, browse APIs, test in the sandbox, and go into production — all in less than an hour.

“Apigee has become the central nervous system for all communications between the digital core banking, the microservices, the frontend, and the apps. Apigee has become our sun. Everything rotates around Apigee,” says Situmorang.

Increasing financial inclusions

With more than 10,000 offices across Indonesia, Bank BRI has the largest network of any bank in ASEAN. The bank is also the biggest microfinance lender in the region. Though already present in even the most far-flung corners of Indonesia, Bank BRI is still working on increasing financial inclusion among un-banked Indonesians. With 56 million people that haven’t accessed banking services, Indonesia is in the bottom four countries for financial literacy in the world, along with Bangladesh, India, and China. It’s estimated that there is up to $8.3 billion in currency being held outside the banking system.

In order to reach this mostly rural, subset of the population, the bank launched Agent BRILink, a nationwide network of branchless agents. These agents can open new accounts, take deposits, pay out withdrawals, and process and disburse loans in under two minutes with the Pinang microfinance mobile app. To date, over 30,000 customers have received loans through Pinang. Handling its own risk-scoring and automatic payroll deductions for payments has translated into less risky and more profitable loans for Bank BRI.

“Customers download the app and scan their ID, capturing their credit score in just a few seconds. The digital offer letter says how much they’re approved for. They can then accept it, go to the approval screen, and do facial recognition. The money is disbursed immediately. GCP has transformed us into a fintech.”—Kaspar Situmorang, Executive Vice President, Bank Rakyat Indonesia

BRILink agents are bank customers who have been scored highly for reliability by the bank’s big data analyses and who maintain a minimum balance of around $800. Combining this data with the Google Maps API, Bank BRI is able to score all 75.5 million of its customers and identify which of them should be recruited as agents for underbanked areas. Since 2018, the bank has been able to appoint more than 200,000 branchless agents using the Agent BRILink app, eliminating the need for logistically challenging face-to-face meetings. This has resulted in an increase in loan volume from branchless business from $15 billion in 2017 to $26 billion in 2018.

To enable branchless agents to sign up new customers and provide banking services, all they need is a mobile phone and internet service. With many parts of rural Indonesia not covered by commercial 3G, Bank BRI has overcome this hurdle by operating its own satellite. With the connectivity the satellite guarantees, branchless agents can help customers obtain microfinancing and open new shops and businesses in all parts of the country. The satellite also provides internet service across the APAC region wherever the bank operates, from Sri Lanka to New Zealand. While it might seem unusual for a bank to operate a satellite, it’s reflective of Bank BRI’s commitment to reaching its financial inclusion targets and meeting its customers wherever they are.

“Pinang was created to win against fintechs trying to compete against us on speed, cost, and security,” says Situmorang. “The truth is that Indonesian regulators closed about 650 fintechs, mainly in the peer-to-peer lending space, because they were unsafe, too expensive, and very slow.”

Using APIs to create and monetize new products

Another way that Bank BRI is leveraging Google Cloud Platform solutions is through an innovative use of the Cloud Vision API, which enables the bank to integrate with the Indonesian government ID database. Identities of new customers — whether they’re coming in via a branch, a BRI Link Agent, or a mobile app — are automatically verified in seconds through facial recognition. With instant credit scoring and identity fraud concerns essentially eliminated, the bank can make more confident lending decisions.

“Monetization is very important to us. It enables us to define our pricing based on API calls and bill automatically based on usage. We’ve already recognized $50 million through the Apigee monetization feature.”—Kaspar Situmorang, Executive Vice President, Bank Rakyat Indonesia

“Customers download the app and scan their ID, capturing their credit score in just a few seconds,” explains Situmorang “The digital offer letter says how much they’re approved for. They can then accept it, go to the approval screen, and do facial recognition. The money is disbursed immediately. GCP has transformed us into a fintech.”

Bank BRI sees a bright digital future, in part thanks to the API product marketplace it’s creating to serve fintechs. With its digital technologies and massive customer base, the bank is sitting on a treasure trove of big data. Bank BRI already packages this data through more than 50 monetized open APIs for more than 70 ecosystem partners wanting to do credit scoring, business assessments, and risk management. Fintechs, insurance companies, and financial institutions don’t have the talent or the financial resources to do quality credit scoring and fraud detection on their own, so they are turning to Bank BRI.

“Monetization is very important to us. It enables us to define our pricing based on API calls and bill automatically based on usage. We’ve already recognized $50 million through the Apigee monetization feature,” says Situmorang.

Bank BRI is meeting and surpassing the goals it has set for itself for digitalization, increasing financial inclusion, and creating new revenue streams with APIs.

Blog

Cloud-Native Observability: Google Cloud and Chronosphere Join Forces

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Chronosphere and Google Cloud have joined forces to offer an unparalleled cloud-native observability solution for complex IT environments, providing efficient data volume management and improved performance. Know more...

As digital transformation continues apace, cloud native adoption has skyrocketed — and so has the volume, velocity, and variety of data that organizations must monitor to maintain visibility over their IT environments. Rather than a fixed number of virtual machines (VMs) running a single application each, systems are more flexible and ephemeral — with thousands of containers and microservices emitting data — and services and systems have greater interdependencies. All of this has led to an explosion in complexity that makes it nearly impossible to reliably and efficiently operate cloud-native services using traditional observability solutions without dramatically increasing overhead. 

Built on Google Kubernetes Engine (GKE), Chronosphere is the only cloud-native observability solution that helps teams quickly resolve incidents before they affect the customer experience and the bottom line. And the relationship between Google Cloud and Chronosphere has developed into a growing partnership. Chronosphere brings the ability to rapidly and reliably control observability data and costs to Google Cloud customers, while maintaining open source compatibility. Recently, GV (Google Ventures) participated in Chronosphere’s $115 million round of Series C funding. Chronosphere is also available on Google Cloud Marketplace, making it easy for customers to procure and deploy.

Why Chronosphere chose to build on Google Cloud

Chronosphere’s founders, CEO, Martin Mao, and CTO, Rob Skillington, wanted to build an observability solution that solved some of the same problems they encountered when leading the observability team at Uber. The challenges at Uber focused on scale, reliability and cost, with a key emphasis on how these were not easily solvable for monitoring of cloud-native applications. Martin and Rob were looking to build a solution that was cloud-native, highly reliable, and capable of managing the high volume of data that modern organizations process every day. For those reasons, Martin and Rob chose to build Chronosphere on top of Google Kubernetes Engine (GKE): 

Cloud-native mindset: When Martin and Rob launched Chronosphere, one of the first considerations was this: A cloud-native problem needs a cloud-native solution. Google Cloud and Chronosphere work together to provide a purpose-built software-as-a-service (SaaS) observability solution platform for cloud-native technologies like Kubernetes. Chronosphere runs much of its critical infrastructure on Google Cloud, using the service’s global infrastructure to deliver secure and reliable services to hypergrowth customers.  

Open platform: Martin and Rob have a commitment to openness — a commitment that Google Cloud makes to its customers as well. All of the ins and outs of Chronosphere are open source compatible –built on GKE, the platform  ingests both metric and trace data in a variety of open source formats, such as Prometheus, OpenTelemetry, and StatsD, so teams can get onboard easily while avoiding vendor lock-in. And they remain fully in control of how much data to ingest, how it’s ingested, how it’s stored, and for how long. That way, customers remain in control of their observability costs while their systems and data continue to grow, and can troubleshoot and remediate issues more quickly. 

Mission-critical performance: Observability is a mission-critical service because it is essential for the reliability and performance of mission-critical systems. For this reason, Martin and Rob wanted to offer the strongest service level agreements (SLAs) possible for availability, reliability, and performance. Google Cloud provides the secure global infrastructure that allows them to do so. 

Data volume: Modern organizations emit huge volumes of data that they have to sift through in near-real time to gain full visibility. Google Cloud offers the same infrastructure and networks that Google uses to support billions of users every day, capable of processing petabytes of data with ease. 

How Chronosphere works with Google Cloud

GKE provides specific technical benefits that Chronosphere leverages to offer customers the performance and availability they need to spend less time managing their observability systems and more time creating value. 

The Chronosphere collector is a Kubernetes-native, Prometheus-compatible agent that collects, processes, and exports telemetry data, including metrics and traces. When you install the collector in a Kubernetes cluster, it automatically discovers all your workloads and starts to gather data from them. 

The Chronosphere UI tailors the experience to each user based on what services that individual owns or which teams that person belongs to. This makes the overall user experience friendlier and less overwhelming while helping people get to the bottom of issues faster.

Running on GKE means that Chronosphere can leverage Google Cloud’s multiple zones in each geographic region to distribute workloads evenly, ensure customer data stores are isolated from each other, and build tolerance for zonal failures. It also allows for data persistence across multiple zones. At the same time, Google Cloud’s global load balancers bring the data physically closer to the customer, shortening the time it takes for a data point to be visible to a user after its emission.

What this means for customers

The partnership brings together the best in cloud-native services and cloud-native observability. With the power of Google Cloud and Chronosphere, observability teams can transform their observability data based on need, context, and utility, storing only the useful data to reduce costs and improve performance. With purpose-built solutions for a cloud-native world, teams gain faster issue detection and resolution, and also benefit from Chronosphere’s 99.99% availability and open source compatibility — eliminating vendor lock-in. 

“Companies growing their online infrastructure risk huge hits to their bottom line if they don’t also manage increased complexity and cost,” says Martin. “Our partnership with Google Cloud brings together the world’s leading cloud services platform with our powerful observability solution to unlock the benefits of a cloud-native world, while optimizing for efficiency, reliability, and cost.”

Google Cloud and Chronosphere: The perfect match

Google Cloud and Chronosphere offer an industry-leading observability solution built from the ground up to abstract away the complexities of cloud computing for already stressed teams. And the future of this partnership is sure to bring new innovations around performance, reliability, and cost efficiency as both companies continue to invest in these three areas. The goal: to deliver the best performance for cost in the industry. 

Learn more about what Chronosphere and Google Cloud are doing for customers, and check out the Chronosphere listing on Google Cloud Marketplace.

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Helpful and human: G Suite’s vision for your future workspace

With an accelerated shift to remote working brought on by COVID-19, it’s clearer than ever that an organization’s success relies on its people and how they work. No matter where they’re working from, who they’re working with, or what projects they’re working on, organizations need to enable their employees to have impact.

That’s why, schools are figuring out remote learning models. Doctors are using Google Meet to consult with patients via video call. I believe COVID-19 is the catalyst that will accelerate the transition to more flexible and distributed teams. We’re seeing this trend clearly from both employers and employees. 80% of the workforce would really like the flexibility to work from home at least some of the time, and 74% of CFOs intend to shift some employees to work from home permanently after COVID-19.

From the beginning, G Suite was designed with human impact in mind: to help people work together from anywhere to achieve bigger things in work and in life.

G Suite’s Vice President and General Manager, Javier Soltero, talks about what the future of G Suite means for your organization. Get a window into the newest, most exciting innovations and hear how G Suite is helping organizations navigate what’s next.

Case Study

Google Workspace and Chrome Enterprise Integral for Colgate-Palmolive’s Flexible Work-Culture

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The adoption of Google Workspace and Chrome Enterprise as primary productivity tools allows businesses to ease IT workloads and achieve productivity. Here's how Google Workspace and Chrome enable Colgate-Palmolive to build a flexible work culture.

Editor’s note: Today’s post is by Roger Lim, IT Manager of Collaboration Infrastructure Development, and Jim Arcure, Director of Infrastructure Development, both with Colgate-Palmolive, the multinational consumer products company. Colgate-Palmolive is in the midst of a multiyear project to create a collaborative, flexible work culture, leveraging Google Workspace and Chrome Enterprise.

Colgate-Palmolive Company is a caring, innovative growth company reimagining a healthier future for all people, their pets, and our planet. Focused on Oral Care, Personal Care, Home Care, and Pet Nutrition, and reaching more than 200 countries and territories, Colgate teams are developing and selling product offerings essential to society through brands such as Colgate, Palmolive, elmex, meridol, Tom’s of Maine, hello, Sorriso, Speed Stick, Softsoap, Irish Spring, Protex, Sanex, Filorga, eltaMD, PCA Skin, Ajax, Axion, Fabuloso, Soupline and Suavitel, as well as Hill’s Science Diet and Hill’s Prescription Diet.  

Colgate-Palmolive has been accelerating growth and delivering meaningful innovation and attracting new and diverse talent in areas such as ecommerce, innovation and digital. That speed and agility comes in large part from the Chrome Enterprise tools that allow the business to move faster and stay competitive.

Changing out software and hardware for 30,000 employees in 70+ countries is a massive project. Early on, we chose Chrome Enterprise as our partner. We had to move away from our dependency on legacy platforms, software, and devices if our business was going to thrive. We knew cloud-based tools like Chrome and Google Workspace would do what on-premises solutions can’t—ease the IT workload while keeping employees happy and productive.

Why we’re escaping legacy apps and embracing the cloud

We don’t want Colgate-Palmolive’s size and geographical breadth to get in the way of people working together and maintaining its strength in global teamwork. That’s why we’re replacing bulky, hard-to-maintain, on-premises applications and software with cloud versions that everyone can securely access in a web browser.

As an IT team, we thought about how much work time we spent installing, updating, and troubleshooting software (up to 30 percent of work hours during big upgrades!). As we were looking at ways to work together better, we had our eyes on the cloud revolution—and, specifically, Chrome Enterprise and Google Workspace.

First step, switch to a new browser

Back in 2016, the IT team was working to move everyone to Google Workspace and away from legacy productivity applications. Once you start Google Workspace adoption, it’s time to take a closer look at browser options.

We chose Chrome Browser for several reasons. It updates automatically, so we could cross lengthy upgrade tasks off our list. An even bigger benefit is that Chrome Browser’s management tools, data protection, and malware detection are all built in. We anticipate a lot of synergy here by leveraging these features and having our users go all Chrome.

Chrome Browser also gave us tools to manage and grant access to apps across our multi-platform device fleet. We call Chrome Browser Cloud Management our “golden nugget” because every browser gets enrolled automatically in browser management.

It’s now much easier to push out new extensions and apps (and allowlist or blocklist them) compared to the time-consuming process of using our existing desktop policy management settings. The ability to easily manage extensions is a huge benefit since it enabled IT to provide new and safe functionality to our end users.

Next, share new ways of working together 

Our IT team wants workers to see the benefits of Google Workspace and Chrome Browser on their own, but sometimes we have to guide them toward the finish line. At the beginning of the project, we developed “Going Google” tools to notify users to consider Google Workspace when opening legacy applications that are no longer needed.

As Chrome Enterprise and Google Workplace became our primary productivity tools, it was also important to ensure our users did not fall back on old habits. Our “Going Google” tools gave our IT organization the ability to not only notify, but turn off specific legacy apps per user. Though IT could easily restore access to these legacy apps on a temporary basis, we have seen a significant dropoff in these types of requests over the past few months. Our goal is to give Colgate people a gentle and consistent reminder that we will be a Google Workspace-only company. By taking these active and decisive steps, we ensure that our users and teams are migrating to Google Workspace today.

To that end, we’ve provided lots of support. We use over 1,000 Colgate “Google Guides” around the world who run on-site classes and webinars on Google Workspace, and are available for one-on-one help, as well as roughly 700 “Google Gurus” who are savvy early-adopters and can lend a hand to colleagues with questions about Google Workspace. Our training classes and webinars are playing to packed houses, and we’re scheduling sessions that focus on specific skills, like a class about using Google Sheets attended by 250 people via Google Meet.

Finally, start rolling out new devices

If we can get everyone at Colgate-Palmolive working in Google Workspace and Chrome Browser, then offering Chromebooks is another natural fit: Chromebooks and the Chrome OS are built for the cloud world we want to work in. We’re pilot testing about 200 Chromebooks for employees, mostly in our customer development department. The Chromebooks are in high demand in challenging locations because they’re easier to deploy for new hires. When employees eventually get back to their offices, we are eager to expand Grab-and-Go racks for people that need a temporary loaner. These Grab-and-Go racks in our New York City and Piscataway, N.J. offices will provide another way for people to test drive Chromebooks. 

Two hundred-odd years after Colgate-Palmolive started doing business, we’re excited about the modern focus of our workplace tools. The Google tools that allow us to collaborate also allow the company to succeed well into our third century.

Case Study

How Do You Cut Costs and Improve Staff Productivity, and Business Visibility? Ascend Money Has an Answer

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When fintech, Ascend, needed to pare costs and increase internal efficiency, it turned to G Suite and Google Cloud. The move saved the business about US$90,000 in licensing costs and saves about 20 hours per week for each worker across the company. In addition, automation tools reduced the time to complete infrastructure activities by 50 percent.

Hundreds of millions of residents of South East Asia have only limited access to banking and finance services. However, help is at hand. One of South East Asia’s largest fintech businesses, Ascend Money is using digital technologies to realize its mission of enabling as many people as possible to access innovative financial services and live better lives.

According to Ascend Money, 60 percent of the region’s 620 million residents do not have access to a full suite of financial services. Even a relatively small proportion of this market represents a big opportunity for the business.

Ascend Money’s offerings include the TrueMoney regional payment platform for underserved and digital consumers. The TrueMoney platform supports more than 40 million consumers across six countries: Cambodia, Indonesia, Myanmar, the Philippines, Thailand, and Vietnam.

“We found, based on value, ease of use, effectiveness, and the skills and adaptability of our own team members, BigQuery and other Google Cloud Platform services were the best fit for our business.”

– Abraham Jarrett, Head of Engineering, Ascend Money

TrueMoney also provides an e-wallet app that provides easy ways to top up mobile phones, undertake online shopping, and pay for products and services; a network of 65,000 branded shops; and international remittances, initially between Thailand and Myanmar. In addition, Ascend Money offers financial products to small to medium businesses.

Ascend Money is part of the South East Asian online business Ascend Group, which also operates e-commerce, e-procurement, data centers, cloud services, fulfilment, and digital marketing services.

Cost is a key criteria

Ascend Money initially started operations using physical infrastructure and on-premises workforce productivity applications. However, as the business grew its customer base and expanded into new markets, its technology leaders began to explore options to improve value for money; reduce the maintenance load on in-house team members; improve its data management and analysis; and collaborate more effectively.

“Operating our own on-premises infrastructure entails a higher cost of ownership and maintenance, as well as requiring us to scale up our hardware as needed,” says Abraham Jarrett, Head of Engineering, Ascend Money. “We conducted an evaluation and found that moving to the cloud would deliver a range of benefits.”

G Suite and Google Cloud Platform the best fit

The business evaluated solutions available in the market and opted to move to G Suite and Google Cloud Platform.

“Moving to Google Cloud Platform was an optimization exercise, with lowering our costs our primary goal, and achieving better performance an added benefit,” says Jarrett. Google Cloud Platform monitoring, diagnostic, and analytics tools have enabled Ascend Money to reduce its infrastructure spending, becoming more efficient and cost-effective in the process.

“Managing software is a big cost for us. Through G Suite, we are significantly reducing our software deployment, licensing, and repair costs.”

– Abraham Jarrett, Head of Engineering, Ascend Money

The Ascend Money team saw Google Kubernetes Engine as enabling a seamless way of transitioning from an on-premises data center to a cloud service. “We considered industry trends such as what people were adopting and who we could hire when making our decision,” says Jarrett. “Engineering teams are focusing on using Kubernetes open source container management at scale and as a way of doing business, which was attractive to us.

“Google Kubernetes Engine presented the easiest way to manage and orchestrate our containers, and drive us away from our existing infrastructure.”

BigQuery best for cost and ease of use

Ascend Money also reviewed data infrastructure solutions, with its business intelligence and data platform teams considering a range of options. The teams quickly ruled out an on-premises solution due to the capital investment required and opted for a cloud service. Following a rigorous evaluation of Google Cloud Platform against the services offered by another cloud provider, Ascend Money opted to run on Google Cloud.

“We found, based on value, ease of use, effectiveness, and the skills and adaptability of our own team members, BigQuery and other Google Cloud Platform services were the best fit for our business,” says Jarrett. The business is now running an architecture comprising a BigQuery analytics data warehouse; Cloud Storage to store raw and archive data; Cloud Dataflow to process stream and batch data, and Cloud Pub/Sub for event ingestion and delivery.

“We’re expanding our utilization of BigQuery and other services on a daily basis,” says Jarrett.

Ascend Money is also using a range of Google Cloud Platform services for the infrastructure outside its data platform, including Stackdriver logging and monitoring; Cloud KMS to manage cryptographic keys for its cloud services, Cloud Build to undertake continuous integration, delivery, and deployment; Cloud DNS to provide domain name system services; and Cloud Functions to enable its developers to run and scale code in the cloud.

With Google Cloud Platform, Ascend Money is now processing about 12GB of batch data per day and streaming data from about 200 data marts per day in Thailand alone.

Cost effective scalability and faster to market

Google Kubernetes Engine has enabled the business to scale and deliver to market faster. “We can build on the platform, take the application and container and deploy them to scale out,” says Jarrett. “The Google Kubernetes Engine orchestration mechanism that provides containerized, elastic scalability is extremely important in allowing us to manage costs and expend our effort efficiently. Through Kubernetes, we can write once and deploy everywhere.”

With Google Cloud Platform, the business has saved 3,000,000 THB (about US$90,000) in licensing costs and, through automation tools, reduced the time to complete infrastructure activities by 50 percent.

“We don’t have as many meetings since we deployed G Suite and we can work effectively in a distributed fashion.”

– Abraham Jarrett, Head of Engineering, Ascend Money

Ascend Money’s entire workforce is now using G Suite to collaborate and operate productively. The business is achieving a range of benefits including being able to get new team members up and running more quickly and reduced cost. “Managing software is a big cost for us,” says Jarrett. “Through G Suite, we are significantly reducing our software deployment, licensing, and repair costs.” Meanwhile, the shorter time to onboard team members to G Suite is paying off with improved productivity and an accelerated ability to collaborate.

Ascend Money team members primarily use SheetsSlides, and Docs to create internal materials, including product requirement documents in Docs and workforce and project planning spreadsheets in Sheets.

The organization also uses Hangouts Meet to collaborate when working from different locations. “We don’t have as many meetings since we deployed G Suite and we can work effectively in a distributed fashion,” says Jarrett. “People can work from home and we have five regions plus Thailand where they can collaborate live on a document, such as a slide deck for board meetings or meetings with our chief executive officer, head of engineering, or other senior managers.”

20 hours per week saved

Jarrett describes the time savings of using web browser-based productivity software and G Suite as saving them an average of 20 hours per week. This has improved productivity and the quality of life for Ascend Money’s hard-working team, increasing overall staff satisfaction.

“The ability to work remotely is a big win for us,” Jarrett says. “Our team members can keep one computer at work and one at home and access the same information, they can work in a plane while it sits on the tarmac, or update a Google Doc or a Google Sheet in real time on their phone. They can work anytime, from any location, as long as they have an internet connection. They have less dead time, meaning more uptime.”

With Google Cloud Platform and G Suite, Ascend Money is ideally positioned to support growing demand for its fintech services in South East Asia, particularly among people with limited access to banking. “We have the agility and dynamism to support rising demand and look forward to continuing to work with Google to realize our business ambitions,” says Jarrett.

Blog

Transitioning to Hybrid Environment with Chrome Browser

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A modern browser that supports end-users and admins is the key to transforming enterprises' work models. Google Chrome's purpose-built, modernized security, productivity, and integration features exclusively power hybrid transitions. Learn how.

It’s been quite a year. In general, and for work. Just the other day, I read a new study from Pew Research that shows 71% of people are currently working from home, and 50% of employees say they want to continue working from home at least three days a week. That’s more than half of people wanting to be remote over half the time!

As we’ve been navigating our own return to the office here at Google, one thing has become more clear than ever: the browser is no longer just a portal to the internet—it’s one of the most critical components of our tech stack. And we know we’re not alone in this. As our organization, and other organizations of all sizes, transition to a more hybrid way of working, it’s absolutely key to have a modern browser that’s built to support both admins and end users. 

The good news is, Chrome is made for this! Literally. It’s purpose-built for flexible work—and as the future unfolds and businesses’ needs continue to evolve, we’re committed to making sure our browser is even easier to manage, even more secure, and even more helpful, so all of us can be more productive. 

What’s next for Chrome

As we design and build Chrome to be a stronger asset for the enterprise, we are focused on these key areas:

  1. Simple management
  2. Modernized security 
  3. Productivity enhancements 
  4. Helpful integrations 

We’ve already made great strides in all four areas, with more exciting releases to come soon. Let’s take a closer look at what’s new and available right now, what to look forward to, and how each feature is equipping Chrome browser-based businesses (and their users) for what’s next.

When it comes to simple management there have been a lot of exciting developments—Chrome Browser Cloud Management is built for this new hybrid reality, giving IT teams the advantage of powerful and flexible management capabilities both in the cloud and on premises, so they always have the visibility and insights they need to make more informed decisions, quickly. 

With recent new releases admins can:

  1. Track all versions of Chrome from one place. Our new daily version report allows IT teams to see all versions, including minor versions, in a single report to support compliance and make it easier to see and manage their entire deployment.
  2. Report on apps and extensions across the organization. A new Apps & Usage report provides helpful visibility into all installed extensions, Progressive Web Apps (PWAs), Chrome apps, and Android apps. You can see versions and permissions for each individual app and even force install or block, right from the report. 
  3. Remotely troubleshoot and clear browser data. This is one of my favorites because not only is it incredibly helpful, it was created from customer requests! Admins (and a lot of service desk employees) told us how useful it would be if they could clear an end user’s browsing data, cookies, and cache remotely – and our team made it happen.
  4. Extension management improvements. Coming this summer: extension request workflow will empower admins to change the behavior of Chrome Web Store so that end users request extensions and admins then approve or deny the installations from a centralized list in Admin Console. Another new release is extension details, where admins can now find out exactly what extensions are installed where, who makes them, what resources they’re using, and all other extension-related details – also right from the Admin console.  

Of all of our priorities, modernized security often feels most urgent. In a recent security report, 65% of US and UK employees said they received a phishing email during the remote working period initiated by COVID-19.  Further, a study by the Ponemon Institute found that 41% of responding organizations had dealt with an attack involving the compromise of employees’ passwords, costing an average of $267,408 per organization. Between the regular emergence of new threats and the increase in targeted mobile attacks, our new ways of working definitely demand a fresh approach to security. 

  • BeyondCorp Enterprise, our new modern zero trust solution, enables secure access to critical apps and services with integrated threat and data protection, all delivered through Chrome browser, was introduced in January 2021. Its agentless approach simplifies the admin and end-user experience. We also just launched BeyondCorp Enterprise protected profiles to help organizations protect their extended workforce, including contractors, frontline workers, and anyone working from home who needs to securely access corporate resources from shared or unmanaged devices. 

To learn more about Google’s approach to modernizing security, tune into the Wall Street Journal’s Advancing Security in the New Business Environment event tomorrow from 10:35 am – 10:55 am EST, with very own Parisa Tabriz (Head of Chrome Engineering, Product Management and UX) and Phil Venables (CISO of Google Cloud). 

When it comes to productivity enhancements, I’m proud to share that we’re consistently releasing features that support users no matter where they’re working. Now that the browser is where so much of our day-to-day work happens, it’s more important than ever before to build in new ways to save time and work together while apart. 

Recently released productivity-boosting features include:

  1. A faster way to take action right from the address bar. Chrome Actions is a feature we launched last year,  where you can simply type in commands such as “clear browsing data ” or “open incognito window”and get down to business in just a few clicks. We’re excited to announce new Chrome Actions are now available through our beta channel! Try one of these actions to check it out: “ Run Chrome safety check,” “Create doc,” and “Manage Google Account.”
  2. Link directly to highlighted text. If you like to share snippets and quotes from articles or websites with your colleagues, you’re in luck. Now, instead of sharing the URL link from the address bar, you can take advantage of the new “link to highlight” feature in Chrome to point to the specific content. Simply choose the content you want to share, right click, select “Copy link to highlight,” and then send the link – to the exact part of the page you want people to see. It’s available for desktop and Android now, and coming soon for iOS. 
  3. Decreased Chrome CPU usage. This means more battery life, less heat coming off of your device, and less fan noise. 🎉 🙌🏻
  4. And there’s more! To explore additional productivity features, check out this blog post. 

Our final area of focus is all about giving Chrome customers more choice with helpful integrations. We’re actively partnering with best-of-breed organizations to bring integrations —and your favorite tools— into Chrome, to create a more seamless and productive experience across the board. Stay tuned on this as we’ll have more to share later this year. In the meantime, hear from our Modern Computing Alliance partners, such as Box, HP, RingCentral, Okta and VMware, as they explore many of the most important questions about returning to the office.

We’re constantly thinking about how we can help people and organizations adapt and thrive as they begin to return to the office. See below for three events from the team that cover how to make the transition to hybrid easier for your team, be sure to check them out.


Modernizing Your Approach to Security session at the Wall Street Journal’s Advancing Security in the New Business Environment event

Chrome Insider: Browser tips & tricks for IT admins

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