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Consent is a Key Component for a Successful Embedded Financial Solution: Read Why

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Embedded finance has three stakeholders, banking or financial firm, a third party provider(TPP) selling products or service and an end user who is a customer of the bank, interacting with a TPP. Adding consent management to the equation is necessary!

When banks and other financial institutions make their products available via non-banks, we call that Embedded Finance. Think, for example, of a retailer offering financing for people buying goods; or a budgeting app gathering bank transactions to help you categorize and understand your spending patterns. The finance – the money management – has been embedded into the retailer or the budgeting experience.

This last example falls under the Data Exchange category of Embedded Finance , and it’s often also called Open Banking. In many countries this active data exchange is actually mandated by law, with specific Open Banking standards encoded into law for all financial institutions. As of this blog post, there are approximately 37 countries with such laws already in place or currently being worked on.

In an Embedded Finance scheme there are three main players: The financial institution offering their products and services, a third party provider (TPP) making use of those products or services, and an end user who is a customer of the financial institution and is interacting with the TPP.

1 Consensual Embedded Finance.jpg

The most important ingredient for these schemes is consumer trust. If a consumer does not trust that their data will be safely shared with a third party, and that they can easily understand the terms they have agreed to and stop sharing their data whenever they want to, consumers will simply not participate. When a consumer agrees for their data to be shared, this is called consent.

What components do I need for a successful Embedded Finance solution?

Banks’ products and services are made available to other parties via APIs, thus a fundamental component is an API Management platform. An API Management Platform lets you design, secure, analyze, and scale APIs anywhere with visibility and control.

Also, we need a component to manage consents given by end users. Consent Management refers not only to the capability of checking whether a certain action by a third party (eg: access an end user’s account balance) is valid according to the consent granted by the end user to that TPP,  but also the availability of tools for end users to check existing consents, modify them or revoke them, as well as tools for financial institutions to perform similar actions on behalf of their customers.

Finally, we need an Identity Platform capable of authenticating an end user and establishing their identity.

2 Consensual Embedded Finance.jpg

A Google Cloud based embedded finance solution uses Apigee as the API management platform, Identity Platform or your own identity platform of choice, and a consent management service (CMS).  Google Cloud has partnered with two leading providers in the consent management space: Clarip and CloudEntity.

3 Consensual Embedded Finance.jpg

How do these components work together?

The main roles and responsibilities of each of the three components are quite clear, but there is a certain degree of flexibility on how to orchestrate the interactions between the components, and which component performs which function when there is an overlap of functionality between them.

Google Cloud has tested the following interaction patterns:

  • Interaction Pattern #1: Apigee as the main orchestrator

In this interaction pattern, Apigee interacts with both the consent management service and the identity platform, coordinating end user authentication with the identity platform, and authorization and consent with the consent management service. Apigee acts as the “broker” between users, their identity, and their consent.

  • Interaction Pattern #2: The consent management service abstracts the identity platform.

In this case, the consent management service manages all the interactions with the identity management platform, and the identity platform acts as the “broker”. Apigee only interacts with the consent service.

The three components share a common pool of client apps and end users. One of the components is typically designated as the source of truth for these entities, while the other components that need to know about these entities synchronize that information from the source of truth. 

The identity platform is typically the source of truth for end user identities and the consent management component will synchronize that information by pulling it from the identity platform. 

The consent management service is the source of truth for user opt-in and current consent status. Apigee will either check with the service the validity of a consent every time a request comes through, or to make it more efficient, it will validate the main attributes of the consent based on information stored in Apigee. To maintain consistency, the consent management service should tell Apigee to invalidate any tokens associated with a consent when it is revoked via other means (for example, if an end user revoked consent from a consent dashboard).

For client apps, either Apigee or the consent management component can act as the source of truth, with the other component synchronizing the information. In the context of Open Banking in particular, standards often mandate that financial institutions support Dynamic Client Registration. This means having endpoints that new clients can use to register themselves as clients for the Open Banking APIs. In this case, the synchronization of clients can easily be incorporated into Dynamic Client Registration.

Let’s look now into more detail about how the three components interact. There are two user journeys that are particularly relevant:

This is the beginning of the typical consumer client journey, when an end user starts using a third party app that requires access to that user’s data. The third party app needs to authenticate itself, and request authorization to access the user’s data. This will trigger the authentication of the end user and consent granting: Consent granting being the process of, the user authorizing the operations the app will execute on their behalf, and establishing the list of accounts on which these operations will be performed. The authorization is represented by an access token, which the app will need to include in all subsequent requests.

This is quite a complex journey with many steps involved in order to make this as secure as possible. To make it easier to understand, we will simplify some of the steps (apologies in advance to you OIDC/FAPI experts out there!).

At a high level, these are the steps involved in this user journey:

  1. End user starts using an app
  2. The app requests permission to access user’s data
  3. The identity platform (IdP) authenticates the end user
  4. The consent management service obtains consent from end user
  5. An access token is issued for the app, encapsulating the authorized permissions, accounts, etc. A refresh token is also issued – the access token normally has a short life (measured in minutes), but the app can use the refresh token, which typically lasts much longer (days or months), in order to obtain a new access token without the need of going through the end user authentication/authorization/consent process again.

The way these steps are orchestrated varies depending on the interaction pattern among the components.

Pattern #1: Apigee orchestrates all interactions
When the client requests permission, Apigee will record the request and then redirect the client app to the IdP login page. Once the end user logs in, the IdP will return an authorization code to the callback URL that Apigee registered in the IdP configuration.

Apigee will then redirect the client app to the Consent Management service, so that the consent form is displayed. Once the user grants consent, selects the desired permissions, and selects the accounts it will apply to, the Consent Management Service will update Apigee with the status of the consent, via a callback Apigee registered in the consent configuration.

Now that the end user has authenticated and granted consent, Apigee can now issue an authorization code, and associate all the necessary information, for instance, details about the consent, the authorization code issued by the Identity Platform (IdP), the identification of the end user in the IdP, etc. Apigee will return this authorization code to the client app via a callback endpoint that the app provided when registering with Apigee.

The app will then exchange the authorization code for an access token. Apigee will obtain an access token from the IdP, abd update the status of the consent before issuing an access token to the client.

Pattern #2: The Consent Management Service is the center of the Architecture
In Pattern #2, Apigee will only communicate with the Consent Management Service, which acts as an authorization server for the app and will also coordinate all interaction with the IdP.

When the client requests permission, Apigee will forward the request to the CMS. The CMS will record the request and then redirect the client app to the IdP login page. Once the end user logs in, the IdP will return an authorization code to the callback the CMS registered in the IdP configuration.

The CMS then displays the consent form. Once the user approves the consent and selects the desired permissions and accounts it will apply to, the Consent Management Service will return an authorization code to Apigee, via a callback Apigee registered in the CMS configuration.

From now on, the flow is the same as explained above. Apigee will issue an authorization code, associate all the necessary information and will return this authorization code to the client app via a callback endpoint. The app will then exchange the authorization code for an access token. Apigee will obtain an access token from the CMS, before issuing an access token to the client.

Let’s now look at the other relevant user journey:

Access shared data 

Once the third party app has been authorized, it will then start requesting that end user’s data. For instance, it may request the list of accounts or the balance of a particular account. 

When that request goes through, a series of checks need to be performed: Is this third party app still authorized? Has it been granted the right permission for the operation being requested? Is the account involved included in the list of accounts authorized by the end user? Apigee can perform all these checks by inspecting the access token presented by the third party app. 

There is, however, one other check which cannot be done simply by inspecting the token. Imagine for a moment that in-between the user granting consent and the app requesting the user’s data, the end user decided to revoke that consent. This could be done by other means than the app itself, for instance by checking all consents granted to all apps in a consent dashboard accessible via other channels such as an “Internet Banking” site. When the app requests the user data, the token is still valid, however the consent has already been revoked. Therefore, in this user journey, Apigee will check with the Consent Management service to check if the consent is still valid. This adds a bit of overhead, which can be minimized by other means. For instance, one popular optimization is to make sure that the Consent Management service asks Apigee to revoke any access or refresh tokens associated with a given consent when that consent is revoked via other channels. If that guardrail is in place, then Apigee can determine if a request should be allowed simply by validating the access token and using the consent information stored alongside the token.

The following diagram summarizes the interactions required between Apigee and the Consent Management component. The interaction is essentially the same in both interaction patterns.

4 Consensual Embedded Finance.jpg

What’s next?

In this article we have described how Apigee, a Consent Management service, and an Identity Platform are the fundamental ingredients of a successful and secure Embedded Finance solution. We have also looked at how these components interact with each other to keep user consent consistent and available. Both interaction patterns described are valid and have been proven to work. So which one may be right for you? The answer ultimately depends on your particular requirements, the choice of consent management service, and your choice of identity platform. As a rule of thumb, if you have multiple application experiences, identity systems, and sources of consent, an Apigee-centric architecture is a great solution. If you are looking at a Consent Management service in the context of an Open Banking implementation mandated by a centralized authority (eg: Open Banking Brazil, Consumer Data Standards in Australia), CloudEntity is a good choice for consent management, as their product is also Certified Financial-grade API (FAPI) OpenID Provider, with profiles for the various Open Banking standards. CloudEntity integrates with Apigee using Pattern #2. 

For more details on both Clarip and CloudEntity’s offerings and how their particular solution works with GCP please check:

For more details on Apigee API Management, see https://cloud.google.com/apigee

You can also learn about our solutions for retail banking or contact sales.

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Google Maps’ Cloud-based Styling Features Betters UX, Control and Flexibility

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After announcing the availability of Cloud-based maps styling for the Maps JavaScript API at the Google I/O, Google Maps is set to deliver superior UX. Learn more about Landmarks and Building Footprints and Industry Optimized Map Styles.

This year at Google I/O, we announced the general availability of Cloud-based maps styling for the Maps JavaScript API. In an effort to provide you with more options and more control to help create the best experience for your users, today we’re releasing new features to Cloud-based maps styling. You may already be familiar with these features from the consumer Google Maps web and mobile apps—Landmarks and Building Footprints. We’re also releasing updates to our industry optimized map styles to provide even more map details while providing the flexibility to craft the best experience for your users. Let’s take a look.

Help users quickly scan and orient themselves with Landmarks

You may have noticed some enhancements for prominent places in the consumer Google Maps web and mobile apps, these landmarks help show your users points of interest that help them orient and navigate cities they are exploring or visiting.

Iconic Landmarks
Landmarks in Sao Paulo (left) and Rome (right)

You now have the ability to bring this same experience to your users by creating maps using Cloud-based maps styling. This feature is available in 100 cities globally including New York, Dubai, Paris, Mumbai, and Singapore. To enable landmarks for your map, log into the Cloud console and in our style editor navigate to the Points of interest feature type and select ‘Illustrated’ under Marker Style.

Landmarks

Simplify maps features by switching to Building Footprints

Sometimes less is more. In dense, highly vertical cities, showing 3D building heights can add cognitive load for users. Now, in addition to 3D buildings, we offer building footprints as an option in the style editor. Building footprints can provide a strikingly different basemap balance and composition to better support use cases that may not benefit from the added complexity that 3D buildings can present.

Building Footprints
Building footprints

Fill and stroke geometries can also be styled independently to support various color themes. To enable Building Footprints, log into the Cloud console and in our style editor navigate to Buildings and choose ‘Footprints’ under building style.

Buildings
Building footprints are enabled in Landscape, Human-made, menu in the style editor.

Industry Optimized Map Styles now include Landmarks and Building Footprints, plus Detailed Street Maps

In January of this year we launched Industry Optimized Map Styles for the travel, real estate, retail, and logistics industries, providing customers with pre-styled map configurations, available via Cloud-based maps styling. Landmarks are now included in all of our Industry Optimized Map Styles and we have turned on Building Footprints in the travel style map.  If you are already an Industry Optimized Map Styles user, these new features will be applied to your map with no action needed from you. If you would like to disable these changes, you can use the style editor to turn off these features.
For Industry Optimized Map Styles only, we are also excited to enable Detailed Street Maps. You may have seen these features in our consumer products at Google I/O, released back in August of 2020 for the consumer Google Maps web and mobile apps. Detailed Street Maps are available in San Francisco, New York, London, and Tokyo, and we are targeting expansion to 50 new cities by the end of 2021.

Detailed Street Maps

Detailed Street Maps are on by default for all Industry Optimized Map Styles and we created a new settings menu to change the visibility, as needed. We are working on bringing the full styling capability for Detailed Street Maps features to all Cloud-based maps styles in the future.

Landmarks and Building Footprints as well as the updates to Industry Optimized Map Styles are only available via Cloud-based map styling in the Google Cloud Console and are included in Google Maps Platform pricing. Learn more about how to use Landmarks and Building Footprints and Industry Optimized Map Styles. To get started with Cloud-based map styling, check out our documentation for JavaScript.

For more information on Google Maps Platform, visit our website.

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What to Look for from Cloud CISO Perspective

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From cloud security highlights, industry insights on risk governance on digital transformation in the cloud to a lineup of talks and keynotes from Googlers at RSA, there are plenty of thoughts shared with the Cloud CISO perspectives. Learn more.

May is a big month for the security industry. It’s been over a year since we gathered for RSA in San Francisco for one of 2020’s last major in-person events. While we likely won’t be together in person this year, it’s an important time for the security community to come together and reflect on many accomplishments, and to consider the challenges still ahead of us. As the world focuses on security incidents and all the risks that still need resolving, it is important to stand back, on occasion, and also note that immense progress has been made by large numbers of small, medium and large enterprises to protect themselves and their customers against increased threats. What is also amazing is to see organizations do this while accelerating their digital transformations, supporting and protecting customers and managing ongoing remote working challenges. We are privileged to play our part in supporting those great teams. 

It’s also been a busy month for us here at Google Cloud since our inaugural CISO perspectives blog post in April. Today, I’ll recap our cloud security and industry highlights, a sneak peak of what’s ahead from Google at RSA and more. 

Thoughts from around the industry 

  • Risk Governance of Digital Transformation in the Cloud – In our latest Office of the CISO whitepaper, we shared guidance on both the challenges and opportunities of cloud transformation for Chief Risk Officers, Chief Compliance Officers, Heads of Internal Audit and their teams. A misconception we sometimes see among these executives is that moving to the cloud creates more risk to manage. Having held these leadership positions in previous roles, I believe that the cloud is as much a means of managing security, resilience and other risks as it is a risk in its own right. The whitepaper dives deep into considerations for each of these leadership functions as their organization embarks on a digital transformation journey. 
  • The importance of meeting global compliance requirements – Compliance is critical for building trust with customers in regulated industries, especially the public sector. It is worth remembering that in any critical industry, where there can be material impact from incidents, strong industry practices and standards to protect customers are vital (I wrote about this last summer). At Google Cloud, we’re regularly adding new compliance and security certifications to meet our customers’ needs globally. Recently, we expanded our list of FedRAMP High-certified products to include Cloud DNS, and helped our customers in the Asia-Pacific region address various compliance requirements to meet new government regulations for security and data protections. Google Cloud was also the only cloud service provider to complete an annual pooled audit with the Collaborative Cloud Audit Group (CCAG), which is a syndicate of 39 leading European financial institutions and insurance companies who depend on cloud infrastructure and technologies to deliver innovative solutions and experiences for their customers. Having spent most of my career in the financial services industry, I know firsthand the importance of managing risk assessments for outsourced vendors to provide the necessary assurances customers need from their cloud providers. 

RSA 2021 

We have a great lineup of speaking sessions and keynotes from Googlers at RSA this year. Below are the highlights you don’t want to miss: 

  • I’ll be doing a session on May 20 about supply chain resilience, where a panel of experts will dive into how we can adjust risk and security initiatives to handle the next “punch to the supply chain.” Additionally, on May 18 I’ll join many of my esteemed CISO leaders from various industries and governments for a keynote discussion on our top security insights, lessons learned and best practices for how we move forward as an industry to address the next wave of challenges. 
  • Google’s Senior Director of Information Security Heather Adkins will deliver a session on how to build secure and reliable systems at scale, which will cover principles from Google’s Site Reliability Engineering book with the same title (available for free download here). I’m most looking forward to Heather’s advice for how we as an industry can reshape our security thinking, based on modern architectures and technologies that can help organizations design scalable and reliable systems that are fundamentally secure.
  • Nelly Porter, Senior Product Manager at Google Cloud Security, will participate in a panel discussion with security experts on the importance of Confidential Computing technology, how it’s changing the security landscape and where it’s headed. Google Cloud has made great progress in delivering a Confidential Computing portfolio for our customers in regulated industries over the past year, and we’re excited for new milestones in 2021. 

Google cloud security highlights

  • Infrastructure and SRE spotlight – Before I joined Google Cloud, I always admired the infrastructure and benefits this organization delivers that are uniquely Google – from the subsea cable innovations to SRE inventions and principles. Security and resiliency are baked into every layer of our infrastructure. Many of the Googlers who build and support our platform have sat in the same seat as our customers, so they understand those needs intimately. Over the last few months it’s been amazing to watch our technical infrastructure team grow, and the direct reliability, operational resilience and security benefits that team brings to our customers. For example, we’ve opened a new region in Polandannounced the first subsea cable that will directly connect the U.S. to Singapore with fiber pairs over an express route, and released an SRE book focused on how organizations can complete a successful cloud migration.
  • New security foundations blueprint guide – As part of our mission to deliver the industry’s most trusted cloud, we strive to operate in a shared-fate model for risk management in conjunction with our customers. This includes sharing opinionated step-by-step guidance with key decision points and focus areas for how our customers deploy workloads in Google Cloud. This is why we’ve updated our Google Cloud security foundations guide and corresponding Terraform blueprint scripts. These blueprints are tremendously helpful to many stakeholders within an enterprise, like a CISO that needs to understand our key principles for cloud security, or a C-Suite business leader that needs to quickly identify the skills their teams need to meet an organization’s security, risk, and compliance needs on Google Cloud. 

When we think about the types of features to build into products, we have many principles we follow. But the two that I keep coming back to as crucial are:

  1. The need for secure products not just security products. All products should have security built in and while we do build great security products our security and other teams remain focused on constantly enhancing the base levels of security and the security features in all our products. 
  2. Defense in Depth. We don’t just focus on defense in depth from attacks – for ourselves and our customers. We also prioritize defense in depth from configuration errors or other hazards. 

As you see below in some of the highlights of new features and products, these represent our commitment to secure products and all forms of defense in depth. 

  • Workload identity federation – Service account keys are powerful credentials, and can represent a security risk if they are not managed correctly. A safer approach is to use workload identity federation, using IAM to grant external identities IAM roles, including the ability to impersonate service accounts. This lets you access resources directly and eliminates the maintenance and security burden associated with service account keys. We also offered related overall guidance on the best way to use and authenticate service accounts on Google Cloud.
  • VPC-SC Directional Policies – With VPC Service Controls (VPC-SC), admins can define a security perimeter around Google-managed services to control communication to and between those services. Using VPC-SC, you can isolate your production GCP resources from unauthorized VPC networks or the internet. But what if you need to transfer data between isolated environments that you’ve set up? VPC-SC directional policies is a new secure data exchange feature that allows you to configure efficient, private, and secure data exchange between isolated environments. 
  • Anthos service mesh supports VMs as well as clusters – Most enterprise compute resources are still in VMs and many will remain there for a long time to come. In Anthos 1.7,  your VM-based workloads can now take advantage of the same mesh functionality as your container-based workloads.
  • Cloud Spanner CMEK and Access Approvals – Cloud Spanner is Google Cloud’s fully managed relational database that offers unlimited scale, high performance, strong consistency across regions and high availability. Spanner now supports customer-managed encryption keys (CMEK) and Access Approval, Google Cloud’s industry-leading controls to require approval before access to your content by Google support and engineering teams.
  • External Key Manager enhancements – In early 2020 we launched Cloud External Key Manager (Cloud EKM), the industry’s leading Hold-Your-Own-Key (HYOK) product. Using Cloud EKM, the keys used to protect your data stored and processed in Google Cloud are completely hosted and managed outside of Google Cloud infrastructure. Cloud EKM initially launched with support for BigQuery and GCE/PD;  we expanded support for Cloud SQLGKEDataflow Shuffle, and Secret Manager, with CMEK support currently in beta. We also provided in-depth documentation on the functionality, architecture and use cases for Cloud EKM in a new whitepaper.
  • Web App and API Protection solution –  Web applications and public APIs are increasingly important to how organizations interface with their customers and partners, and we’ve seen increased investment in tools to protect these resources from fraud and abuse. Google Cloud’s new Web App and API protection solution is based on the same technology Google uses to protect its public-facing services against web application exploits, DDoS attacks, fraudulent bot activity, and API targeted threats. It provides protection across clouds and on-premises environments.
  • Threat Intel for Chronicle – Most threat intelligence feeds require security teams to do the implementation and legwork. With our new Threat Intel for Chronicle offering, however, our intelligence insights are applied automatically across your security telemetry to present unique observations within your environment. Threat Intel for Chronicle is exclusively curated for enterprise customers by Uppercase, Google Cloud’s intelligence research and applications team to provide our perspective on threats across the internet and surface them as relevant alerts.

That wraps up another month of thoughts and highlights. If you’d like to have this Cloud CISO Perspectives post delivered every month to your inbox, click here to sign-up, and we’ll see you in June!

Case Study

Rubin Observatory Leverages Google Cloud to Power Astronomical Research

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The Vera C. Rubin Observatory launched its the first preview of new Rubin Science Platform (RSP) for an initial cohort of astronomers, powered by Cloud Storage, Google Kubernetes Engine (GKE), and Compute Engine to drive astronomical researches.

This week, the Vera C. Rubin Observatory is launching the first preview of its new Rubin Science Platform (RSP) for an initial cohort of astronomers. The observatory, which is located in Chile but managed by the U.S. National Science Foundation’s NOIRLab in Tucson, AZ and SLAC in California, is jointly funded by the NSF and the U.S. Department of Energy. The platform provides an easy-to-use interface to store and analyze the massive datasets of the Legacy Survey of Space and Time (LSST), which will survey a third of the sky each night for ten years, detecting billions of stars and galaxies, and millions of supernovae, variable stars, and small bodies in our Solar System.

The LSST datasets are unprecedented in size and complexity, and will be far too large for scientists to download to their personal computers for analysis. Instead, scientists will use the RSP to process, query, visualize, and analyze the LSST data archives through a mixture of web portal, notebook, and other virtual data analysis services. An initial launch with simulated data, called Data Preview 0, builds on the Rubin Observatory’s three-year partnership with Google to develop an Interim Data Facility (IDF) on Google Cloud to prototype hosting of the massive LSST dataset. This agreement marks the first time a cloud-based data facility has been used for an astronomy application of this magnitude.

Bringing the stars to the cloud

For Data Preview 0, the IDF leverages Cloud StorageGoogle Kubernetes Engine (GKE), and Compute Engine to provide the Rubin Observatory user community access to simulated LSST data in an early version of the RSP. The simulated data were developed over several years by the LSST Dark Energy Science Collaboration to imitate five years of an LSST-like survey over 300 square degrees of the sky (about 1,500 times the area of the moon). The resulting images are very realistic: they have the same instrumental characteristics, such as pixel size and sensitivity to photons, that are expected from the Rubin Observatory’s LSST Camera, and they were processed with an early version of the LSST Science Pipelines that will eventually be used to process LSST data. “This will be the first time that these workloads have ever been hosted in a cloud environment. Researchers will have an opportunity to explore an early version of this platform,” says Ranpal Gill, senior manager and head of communications at the Rubin Observatory.

Broadening access for more researchers

Over 200 scientists and students with Rubin Observatory data rights were selected to participate in Data Preview 0 from a pool of applicants that represents a wide range of demographic criteria, regions, and experience level. Participants will be supported with resources such as tutorials, seminars, communication channels, and networking opportunities—and they will be free to pursue their own science at their own pace using the data in the RSP. 

“The revolutionary nature of the future LSST dataset requires a commensurately innovative system for data access and analysis paired with robust support for scientists,” says Melissa Graham, lead community scientist for the Rubin Observatory and research scientist in the astronomy department at the University of Washington. “I’m personally excited to enhance my own skills by using the RSP’s tools for big data analysis, while also helping others to learn and to pursue their LSST-related science goals during Data Preview 0.” 

At the same time, the fact that the RSP is hosted in the cloud provides researchers at smaller institutions access to state-of-the-art astronomy infrastructure that is comparable to that of the largest national research centers.

The launch benefits the observatory too: the development team can learn what researchers are interested in while also testing and debugging the platform. Graham says that “the platform is still in active development so researchers using it will be able to follow along in the progress, and provide feedback on ways that we can optimize the development of the tools.”

Next steps

The LSST aims to begin the ten-year survey in 2023-24 and expects it to include 500 petabytes of data. Through the cloud, Google aims to help make this extraordinary project scalable and accessible to researchers everywhere. To learn more about Data Preview 0, watch this video.


Want to ramp up your own research in the cloud? We offer research credits to academics using Google Cloud for qualifying projects in eligible countries. You can find our application form on Google Cloud’s website or contact our sales team.

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Google Products Helps HMH’s Healthcare Staff Work from Anywhere Efficiently and Securely!

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When many challenges knocked the door as an aftermath of the 2020 COVID-19 pandemic, the 17-hospital healthcare system decided to extend its partnership with Google to elevate patient data security and safe, equitable access. Read how!

Hackensack Meridian Health (HMH) executive Mark Eimer explains how an ambitiously-timed rollout of a comprehensive suite of Google products helped the entire organization—from doctors to IT staff—achieve better security, cultivate a more equitable work environment, and ultimately, improve patient outcomes.

How does a recently merged, 17-hospital healthcare system fast-track a platform migration and hardware rollout securely and in a way that improves work for everyone, regardless of location or role? These are the questions that kept me up at night in early 2020, when the pandemic demanded a “big bang”—something our legacy laptops and operating systems couldn’t handle.

We began our work with Google in 2020 with the adoption of Chrome as our default browser. As we migrated platforms, keeping patient data safe was of the utmost importance to us, along with providing every staff member with the tools they needed to work virtually. Our staff often experienced issues accessing our web-based applications using Internet Explorer or Edge Browser, a problem that went away when we switched to Chrome. Chrome’s versatile compatibility also made it easier for my team to migrate all of our web-based operations, and Chrome’s security and manageability were key components to making this switch a huge win for the organization.

The success of this migration led us to extend our Google partnership to patient care applications—where Google’s expertise in AI and ML helps scale the use of diagnostics tools and improve other aspects of the patient journey.

image4.jpg
Patient care is at the center of HMH’s mission

Achieving security at every step 

Like so many other healthcare organizations, we’ve been concerned about ransomware attacks. This is part of why we moved to Google Workspace and distributed over 3,000 Chrome OS devices in kiosk mode in March of 2020, when many of us went remote due to the pandemic. We were very concerned about team members accessing corporate applications through home devices that were running EOL operating systems (WIN7), as well as a general lack of antivirus and encryption measures.

We were protected by the fact that Google’s software and hardware both had built-in security features that we needed to stave off sophisticated attackers. For example, Chrome OS automatically updates to the latest security update and encrypts data living outside the cloud on the hardware. These features protected us from security-related disruptions, letting us securely move a huge library of file shares and emails across thousands of accounts to Google Chrome OS in just four months.

A year later, in March 2021, we migrated the enterprise over to Google Workspace and saw an immediate reduction in spam by 30% from the inherent built-in AI/ML. This meant staff were less likely to receive (and click through) phishing attempts. My team could connect, create, and collaborate easily and securely—even as more of us were working from home and needed to access sensitive data remotely. 

Leveling the playing field

As an organization, we were surprised by how many team members didn’t have personal computers at home. We quickly decided that if we needed team members to work from home, the health network would have to supply hardware. Chromebooks’ lower price tag compared to PCs—on top of their built-in security controls—allowed us to purchase, deploy, and support that initial distribution of 3,000 Chromebooks to team members in less than three weeks, providing devices to every eligible remote employee instead of just a select few. This was vital to reaching our equitable technology goal as part of our diversity and inclusion initiative: everybody has the same tools to do good work.

When all employees have what they need to do their jobs well, we get better patient outcomes. Before we began this cloud adoption journey, patient and staff experiences were different within the hospitals and outside of them. 

Now it’s the same wherever our staff is, and we’ve seen efficiency and accessibility benefits extend to the patient side. For example, we built a web-based contact center that supports 80 locations that use Workspace and Chrome OS devices. Since customer service, admin, and providers are all on the same system, it has become a one-stop shop for patients.

Furthermore, through the Grow with Google program, we were able to provide another benefit to employees that drove our equity goals. Google trained 50 non-IT staff members—from environmental services, food and nutrition, and other non-tech areas who were interested in making a career change to IT—on the Google products we were using. They may not have thought about switching to a career in IT before the Grow with Google program came to our organization, but through this partnership, they now have that opportunity.

A strategic, long-term partner

With any large-scale rollout, the work doesn’t end once laptops are in employee hands. Google has shown their commitment to long-term collaboration as they continuously optimize their products for the unique needs of healthcare providers and go the extra mile in tailoring tools to our staff’s workflows. 

For example, on the Chrome OS side, the Google team has helped our registration desks and document centers with device integration for hardware like credit card readers and e-signature pads. They’ve also helped us meet security and privacy requirements mandated by state and federal governments around HIPAA, Medicaid, and Medicare reimbursements. Over this next year, we’ll look at a feature roadmap with Google Cloud to deliver further enhancements, iterating on the product itself to meet our needs for the present and the future.

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Combining technology and expertise

Delivering the future of healthcare

The benefits we’ve seen around security and usability—and the ability to provide all staff with equal access to Google’s technology—are why we’re expanding our partnership with Google to both the administrative and clinical sides of HMH. In addition to further Google rollouts with corporate, next year we’re distributing Chromebooks to all 350 of our ambulatory clinics.

We’re also working with the Google professional services team to create a custom AI model that analyzes 3D mammogram images. This AI model will enable two providers to read mammograms—which adheres to international best practices but is currently rare in the US—without requiring additional time. Conducting double readings of mammograms will yield better health outcomes for our patients, such as a lower patient recall rate and an increased accuracy in detecting breast cancer.

We’re currently building the model using a variety of Google Cloud products, including Cloud Healthcare API. Once complete, this model is expected to be trained, deployed, and maintained in Google’s Vertex AI, allowing our providers to be more productive as they make clinical decisions with AI support. As the model is proven over time, we plan to make the predictive services accessible to other healthcare organizations.

With Google, we’re able to achieve a unified architecture for storing data as well as training and deploying AI models, which enable our staff to work more efficiently and securely from anywhere. While I may not be able to predict the future as accurately as AI can, I foresee our continued partnership with Google as a key part of HMH’s improved provider and patient outcomes.

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Google Unveils New Cloud Region in Delhi NCR to Power India’s Digitization

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To help India's businesses digitally transform and serve customers' changing demands, Google Cloud opens its 25th cloud region in Delhi NCR. The new cloud region will buttress the digital economy with low latency, security and high performance.

In the past year, Google has worked to surface timely and reliable health information, amplify public health campaigns, and help nonprofits get urgent support to Indians in need. Now, we are continuing to focus on helping India’s businesses accelerate their digital transformation, deepening our commitment to India’s digitization and economic recovery. To support customers and the public sector in India and across Asia Pacific, we’re excited to announce that our new Google Cloud region in Delhi National Capital Region (NCR) is now open. 

Designed to help both Indian and global companies alike build highly available applications for their customers, the Delhi NCR region is our second Google Cloud region in India and 10th to open in Asia Pacific. 

What customers and partners are saying

Navigating this past year has been a challenge for companies as they grapple with changing customers demands and economic uncertainty. Technology has played a critical role, and we’ve been fortunate to partner with and serve people, companies, and government institutions around the world to help them adapt. The Google Cloud region in Delhi NCR will help our customers adapt to new requirements, new opportunities and new ways of working, like we’ve helped so many companies do in the region: 

  • InMobi scaled a personalized AI platform to support 120+ million active users. “With the arrival of the Google Cloud Delhi NCR, InMobi Group sees the opportunity to continue closing the gap between our users and products,” says Mohit Saxena, Co-founder and Group CTO of Inmobi. “Glance, especially, has been serving AI-powered personalised content to over 120 million active users. We can’t wait to continue giving them truly meaningful experiences that are speedy, scale well, and are relevant to them, by expanding the use of our current tools working on Google Cloud with the opening of a new region.”
  • Groww now supports a sizable user base. “Google Cloud provides great technology that enables us to build and scale infrastructure to millions of users, and the new Google Cloud region in Delhi NCR will continue to help more businesses and startups in India access powerful cloud-based infrastructure, products and services,” says Neeraj Singh, Co-founder and Chief Technology Officer, Groww.
  • HDFC Bank is positioned for the future. “At HDFC Bank, we are harnessing technology platforms to both run and build the bank. As we progress to be future ready, the objective is to invest in future technologies that give us scale, efficiency and resiliency. Towards this the Google Cloud region in Delhi NCR will enable us to enhance our resiliency and help us in building an active-active design framework for our new generation applications on cloud,” says Ramesh Lakshminarayanan, CIO, HDFC Bank.  
  • Dr. Reddy’s Lab built a modern data platform with Google Cloud. “At Dr Reddy’s, we pride ourselves in helping patients regain good health, acting quickly to provide innovative solutions to address patients’ unmet needs and in accelerating access to medicines to people worldwide. Our Google Cloud-powered data platform is helping us realize these objectives and we welcome Google’s investment in the new Delhi NCR region as helping us and other businesses in India make further contributions to our social and economic future,” says Mukesh Rathi, Senior Vice President & CIO, Dr. Reddy’s Laboratories.
  • “To survive the disruption caused by the pandemic and to succeed in the long term, organizations need to become digital natives, so they can be more agile, explore new business models and build new capabilities that boost resilience. A cloud-first strategy plays a key role in enabling businesses to do this,” said Piyush N. Singh, Lead – India market unit & lead – Growth and Strategic Client Relationships, Asia Pacific and Latin America, Accenture. “Harnessing the potential of cloud requires the right data infrastructure and this expansion by Google Cloud will undoubtedly help Indian enterprises in their digital transformation journeys.”

A global network of regions

Delhi NCR joins 25 existing Google Cloud regions connected via our high-performance network, helping customers better serve their users and customers throughout the globe. As the second region in India, customers benefit from improved business continuity planning with distributed, secure infrastructure needed to meet IT and business requirements for disaster recovery, while maintaining data sovereignty.

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With this new region, Google Cloud customers operating in India also benefit from low latency and high performance of their cloud-based workloads and data. Designed for high availability, the region opens with three availability zones to protect against service disruptions, and offers a portfolio of key products, including Compute Engine, App Engine, Google Kubernetes Engine, Cloud Bigtable, Cloud Spanner, and BigQuery. 

Supporting India’s recovery with training and education

Google and Google Cloud will also continue to support our customers with people and education programs. We’re investing in local talent and the local developer community to help enterprises digitally transform and support economic recovery. 

Through the India Digitization Fund, we expanded our efforts to support India’s recovery from COVID-19—in particular, through programs to support education and small businesses. In addition to expanding internet access, and investments to help start-ups accelerate India’s digital transformation, we’ve grown our Grow with Google efforts. Businesses can access digital tools to maintain business continuity, find resources like quick help videos, and learn digital skills—in both English and in Hindi.

Helping customers build their transformation clouds

Google Cloud is here to support businesses, helping them get smarter with data, deploy faster, connect more easily with people and customers throughout the globe, and protect everything that matters to their businesses. The cloud region in Delhi NCR offers new technology and tools that can be a catalyst for this change. To learn more, visit the Google Cloud locations page, and be sure to watch the region launch event here.

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