Arab Bank Accelerates its App Development and Testing Using Apigee and Anthos

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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.
TELUS and Google Cloud Partner to Move Towards a More Sustainable Future

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

Google Workspace is a Highly Robust and Functional Collaboration Platform: Study Confirms
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A recent IDC study on Google Workspace observed the productivity and economic benefits of the collaboration platform on many organizations. The findings revealed that 14 percent increase in daily productivity among Google Workspace users, 412 percent 3-year ROI and payback period of 11 months! Transform your teams’ productivity goals, enhance workplace communication and collaboration as well as experience operational gains with productivity and collaboration tools designed for the modern, hybrid workforce.
Download the infographics to read up more from IDC study on the Business Value of Google Workspace now!
Why settle for the status quo?

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Virtual meetings, remote collaboration, flexible hours: it’s becoming clear that these new ways of working are here to stay.
Business leaders, since the onset of COVID-19, have seen workplace transformation go from an almost theoretical long-term goal to an urgent priority. Employers and employees want more flexible ways of working, and delivering on this requires the right technology.
But flexibility isn’t the only thing that employees want. Remote working has significantly increased the demands we’re getting from many directions—in both our professional and our personal lives. Employees feel overloaded with too much information and too many tasks across too many different tools. Instead of learning another tool, we need the tools we already use to be even more helpful, and work together, in an integrated, intuitive way.
Today’s teams need to re-imagine not only how they communicate and collaborate with each other remotely, but also how they continue to serve their own customers and support the communities they belong to. From doctors consulting with patients, to financial institutions providing critical advice to customers, to teachers delivering distant learning, to car dealerships creating virtual showrooms—it’s clear that these new ways of working are here to stay.
The future of work is here. COVID-19 has accelerated a shift in how organizations like yours get work done. Take this 2-minute assessment below to see where you’re at on the journey to the future of work, and get a free guide to help you take the next step.
How We Proved Everyone Wrong and Scaled Our Sports Apparel Company Across Continents

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There were several reasons why Suddora and CustomOnIt shouldn’t have been successes. My friend Adam and I were working in a Michigan video store and knew next to nothing about running a business. We started with an idea to sell sweatbands, like the ones I used to wear in my band, and over several months managed to launch it legitimately. This led us to bail on the video store and move to Vegas—smack in the middle of the 2008 financial crisis. We lived on ramen noodles and little else for two years while we got the company going. Our friends took bets on how long we’d stay in business.
But 11 years later, we have not one but several successful sports apparel businesses, I’m running a bunch of other e-commerce companies (including SweatBands.com), and we’re selling in the United Kingdom and soon in Asia Pacific.
How did two broke-but-determined guys working in a video store get this far? We always believed in moving ahead, no matter what obstacles came our way—and we learned a lot about how technology like G Suite can make a small business look and operate like a bigger one, and how searching Google for business resources can pay off.
Starting with an idea, a domain and…ramen noodles
In my band days in Michigan, we tried to think of ways to get our name out there. Instead of the usual T-shirts or stickers, I pitched the idea of custom sweatbands since I wore sweatbands when I played guitar. I figured other people might like sweatbands with the names of their bands.
We knew we needed a web domain and email addresses so we could sell online. We found out about G Suite during a Google search, and it seemed like the most pain-free way to get started by buying the domains Customonit.com and Suddora.com (Adam made up that name. “Sudor” is Spanish for “sweat,” which is what the businesses were about, and we added the “d” and the “a” to make the name stand out.).
Even though the company was just me and Adam, we needed to look professional (and also a bit bigger than we actually were). With G Suite, we set up email aliases for various business functions, like help@suddora.com and sales@suddora.com, and arranged to route email from these addresses into our regular Gmail inboxes; that way, customers could easily reach us.
Scaling our business in the Las Vegas heat
Next, we decided to move to Las Vegas because, in the aftermath of the recession, we could live cheaply there. When we got our first big sweatband order from a major NCAA football team, the momentum started. Now we had to scale up the business so we could handle more orders and deal with suppliers, even though we were still working out of our living room.
We grew to a five-person team, including a customer service person and a designer, and G Suite made it easy to onboard everyone quickly. In addition to giving new employees their own email addresses with the Suddora.com or STbands.com domain names, we routed emails to various people from the “help” and “sales” email aliases we had set up. We also made sure that all of our employees were set up on G Suite, too.
Once orders started to roll in from major fast-food restaurants, football teams, and sports apparel companies, our roles constantly changed. G Suite helped us shave off precious time by helping us manage email less manually—we automatically re-routed emails depending on who’s working on what. If I wanted to take on more sales work, I forwarded emails from sales@suddora.com to my inbox with one click. Same thing with customer service: We never want to lose track of customer service inquiries, which are a high priority.
In 2009, a year after starting the business, Adam and I left our part-time jobs at a local department store to run the business full-time. We promised ourselves that when we hit a revenue target of $15,000 in one month we’d buy a TV for the apartment—and we got that TV!
Going international (without leaving our office)
The business was taking off. We decided to split STbands.com into two websites: Suddora.com for sports sweatbands and CustomOnIt.com for custom apparel and party goods. We recognized that half our customers wanted athletic wear and accessories, while the other half wanted custom items like T-shirts and wristbands. It was a move that would allow each business to thrive.
Creating products and managing suppliers was getting more complicated. Once again, G Suite helped us move our business forward. We used Google search to find suppliers in China, and were able to set up supplier relationships and talk one-on-one with the people making our products—without extensive and time-consuming travel to China. You can accomplish so much with video meetings and chat.
With more suppliers and more customers, we needed to constantly up our game in terms of product design. When we create new designs it generates a ton of files and iterations, which get shared back and forth between pattern designers, photo editors, writers, and marketing professionals. To help centralize these files, we store everything in Google Drive so they can be shared and accessed anytime, from anywhere. For example, we use Sheets to house updated data on our products across all of our e-commerce platforms.
Lessons learned
Eleven years on, I’m still learning every day about what it takes to run and grow a business. I think what helps is finding tools like G Suite that are so easy to use, you don’t need much ramp-up time to get started—nor do your employees. That means we’re all productive much faster.
Also, you might be thinking about a million ideas for starting a business. But the truth is, you only need one—an opportunity that makes you think, “Okay, this is going to be big.” So go for it. You can’t afford not to.
How 4K+ Coffee Lovers Get their Cuppa at Costa Coffee with the Help of Google Maps

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Editor’s note: Gordon Lucas, Global Head of Digital Engineering at Costa Coffee, explains how Google Maps Platform helps direct customers to each of its 4,000 plus Costa Coffee shops across the world, as well as streamline payments, and optimize deliveries.
When brothers Sergio and Bruno Costa opened the first Costa Coffee in central London in 1971, they relied on word of mouth to grow trade. Personal recommendations encouraged people who lived and worked locally to visit the coffee shop and sample what became (and still remains) our signature blend coffee, Mocha Italia.
Fast forward 50 years and we have more than 4,000 coffee shops spread over 31 countries. To make it as easy as possible for our global customers to pick up a Mocha Italia, a Costa Americano, or any other Costa Coffee product wherever we operate, we decided to create a visual app. We wanted the app to help customers across the world find their most convenient eat-in, takeaway, drive-thru, partner store, or delivery platform, and highlight which services are available and at what times.

Enhancing the customer experience with intelligent maps
We were already using Google Maps Platform products on our website to provide our customers with a basic store locator service. So when we launched our mobile app in 2017, we added more interactive geospatial features to make our customers’ journeys quicker and easier.
We chose to enhance our existing Google Maps Platform solution because our developers enjoyed using it. Google Maps Platform offered all the capabilities we needed to boost our solutions, and we were excited to see how we’d be able to leverage geospatial data to improve the experience of our customers.

Our Google Cloud Premier Partner, Snowdrop Solutions, supported us in deploying all our requirements so the app’s new features could be rolled out globally. We wanted to direct pedestrians and vehicles to standalone Costa Coffee shops and kiosks in supermarkets and gas stations. We also wanted a dynamic map feature to highlight which locations offered click-and-collect, drive-thru, and delivery services. We then wanted to link these services to our online payments systems, seamlessly integrating our transaction process to make it as easy as possible for our customers.
To that end, we used the Maps Static API to embed maps within our app, and the Geocoding API to convert addresses into coordinates to create markers on our maps. We also use the Places API to allow customers to search for a Costa Coffee facility based on their location.
A new route for customer satisfaction
We had one issue when it came to locating Costa Coffee shops, however. We noticed that some customers were selecting the wrong store to collect orders. Fortunately, Google Maps Platform provided a quick fix that solved this issue. We updated the service to provide customers with a map of their collection point upon receipt of their order, remindIng them which store to collect from. A tweak like adding a map to a receipt improves customer satisfaction. The drop in calls to our customer service is testimony to this.

Geospatial intelligence became invaluable in the pandemic
We had to adjust our service when the pandemic hit and Google Maps Platform was again instrumental in helping us. Because we had to comply with unique lockdown measures and travel restrictions across different locations, it could be challenging for our customers to stay up-to-date on the changing opening times and service guidelines of our shops. So we used Google Maps Platform Places API to show our customers which nearby stores, click-and-collect outlets, or drive-thrus were open, and when, during lockdowns.
Integrating this with our mobile ordering system also enabled us to promote COVID-safe contactless payments. Customers can locate a Costa Coffee shop, select, order, purchase, and collect their order or have it delivered to their cars without the need for any human contact. This reduces service wait times and minimizes the risk of transmission between customers and baristas. It also makes our employees feel more safe at work.

Geospatial data optimizes our entire operation
When the lockdown ended, our in-app order data showed a spike in demand, illustrating how much our customers miss their Costa Coffee experience. This data not only helps us to identify demand, it lets us track user preferences, informs where to direct supplies to meet a raised demand, and creates more accurate forecasts. This data can also help us manage costs.
Geospatial intelligence is also used to improve the experience of customers, from when they first look to order a cappuccino to when they arrive at the shop to enjoy it. We are using geomarketing to surface local offers. Say a Costa Coffee shop is trialing a new beverage, a pop-up can suggest users of our app try it next time they’re nearby.
Google Maps Platform has become integral to our digital operations. New features and capabilities of Google Maps Platform products have allowed us to continue innovating. The Costa Coffee footprint now spreads physically and digitally around the globe, and with the help of Google Maps Platform we can still offer the same tailored personal service that spurred the initial success of the Costa Brothers 50 years ago.
For more information on Google Maps Platform, visit our website.
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