FAQs: Everything Your Need to Know About Cloud Computing

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There are a number of terms and concepts in cloud computing, and not everyone is familiar with all of them. To help, we’ve put together a list of common questions, and the meanings of a few of those acronyms. You can find all these, and many more, in our learning resources.
What are containers?
Containers are packages of software that contain all of the necessary elements to run in any environment. In this way, containers virtualize the operating system and run anywhere, from a private data center to the public cloud or even on a developer’s personal laptop. Containerization allows development teams to move fast, deploy software efficiently, and operate at an unprecedented scale. Read more.
Containers vs. VMs: What’s the difference?
You might already be familiar with VMs: a guest operating system such as Linux or Windows runs on top of a host operating system with access to the underlying hardware. Containers are often compared to virtual machines (VMs). Like virtual machines, containers allow you to package your application together with libraries and other dependencies, providing isolated environments for running your software services. However, the similarities end here as containers offer a far more lightweight unit for developers and IT Ops teams to work with, carrying a myriad of benefits. Containers are much more lightweight than VMs, virtualize at the OS level while VMs virtualize at the hardware level, and share the OS kernel and use a fraction of the memory VMs require. Read more.
What is Kubernetes?
With the widespread adoption of containers among organizations, Kubernetes, the container-centric management software, has become the de facto standard to deploy and operate containerized applications. Google Cloud is the birthplace of Kubernetes—originally developed at Google and released as open source in 2014. Kubernetes builds on 15 years of running Google’s containerized workloads and the valuable contributions from the open source community. Inspired by Google’s internal cluster management system, Borg, Kubernetes makes everything associated with deploying and managing your application easier. Providing automated container orchestration, Kubernetes improves your reliability and reduces the time and resources attributed to daily operations. Read more.
What is microservices architecture?
Microservices architecture (often shortened to microservices) refers to an architectural style for developing applications. Microservices allow a large application to be separated into smaller independent parts, with each part having its own realm of responsibility. To serve a single user request, a microservices-based application can call on many internal microservices to compose its response. Containers are a well-suited microservices architecture example, since they let you focus on developing the services without worrying about the dependencies. Modern cloud-native applications are usually built as microservices using containers. Read more.
What is ETL?
ETL stands for extract, transform, and load and is a traditionally accepted way for organizations to combine data from multiple systems into a single database, data store, data warehouse, or data lake. ETL can be used to store legacy data, or—as is more typical today—aggregate data to analyze and drive business decisions. Organizations have been using ETL for decades. But what’s new is that both the sources of data, as well as the target databases, are now moving to the cloud. Additionally, we’re seeing the emergence of streaming ETL pipelines, which are now unified alongside batch pipelines—that is, pipelines handling continuous streams of data in real time versus data handled in aggregate batches. Some enterprises run continuous streaming processes with batch backfill or reprocessing pipelines woven into the mix. Read more.
What is a data lake?
A data lake is a centralized repository designed to store, process, and secure large amounts of structured, semistructured, and unstructured data. It can store data in its native format and process any variety of it, ignoring size limits. Read more.
What is a data warehouse?
Data-driven companies require robust solutions for managing and analyzing large quantities of data across their organizations. These systems must be scalable, reliable, and secure enough for regulated industries, as well as flexible enough to support a wide variety of data types and use cases. The requirements go way beyond the capabilities of any traditional database. That’s where the data warehouse comes in. A data warehouse is an enterprise system used for the analysis and reporting of structured and semi-structured data from multiple sources, such as point-of-sale transactions, marketing automation, customer relationship management, and more. A data warehouse is suited for ad hoc analysis as well custom reporting and can store both current and historical data in one place. It is designed to give a long-range view of data over time, making it a primary component of business intelligence. Read more.
What is streaming analytics?
Streaming analytics is the processing and analyzing of data records continuously rather than in batches. Generally, streaming analytics is useful for the types of data sources that send data in small sizes (often in kilobytes) in a continuous flow as the data is generated. Read more.
What is machine learning (ML)?
Today’s enterprises are bombarded with data. To drive better business decisions, they have to make sense of it. But the sheer volume coupled with complexity makes data difficult to analyze using traditional tools. Building, testing, iterating, and deploying analytical models for identifying patterns and insights in data eats up employees’ time. Then after being deployed, such models also have to be monitored and continually adjusted as the market situation or the data itself changes. Machine learning is the solution. Machine learning allows businesses to enable the data to teach the system how to solve the problem at hand with machine learning algorithms—and how to get better over time. Read more.
What is natural language processing (NLP)?
Natural language processing (NLP) uses machine learning to reveal the structure and meaning of text. With natural language processing applications, organizations can analyze text and extract information about people, places, and events to better understand social media sentiment and customer conversations. Read more.
Learn more
This is just a sampling of frequently asked questions about cloud computing. To learn more, visit our resources page at cloud.google.com/learn.
Start-up Paves Way for More Inclusive Clinical Research: Honoring Black Founders of Acclinate with Google Cloud

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Editor’s note: February is Black History Month—a time for us to come together to celebrate the diverse set of experiences, perspectives and identities that make up the Black experience. Over the next few weeks, we will highlight Black-led startups and how they use Google Cloud to grow their businesses. Today’s feature highlights Acclinate and its founders, Del and Tiffany.
As patients, as caregivers, and as parents taking our own children to the doctor, we want recommended medications to be safe and effective. It’s a right everyone deserves.
It’s known that certain medications don’t work in the same way in all populations. For example, Albuterol, a medication often prescribed for asthma, is less effective in 67% of all Puerto Ricans and 47% of Black Americans. These problems—which can have deadly consequences—result from historically limited diversity in pharmaceutical clinical trials.
We founded our startup Acclinate to integrate culture and technology to achieve more inclusive clinical research. Help pharmaceutical companies and healthcare organizations access and engage communities of color so research is more inclusive.

Bridging the health equity gap by building trust
It’s important that health research organizations access and engage communities of color so their efforts reflect all the people they serve. Take a disease like diabetes, which affects a significantly higher proportion of Black Americans. When you look at even recent clinical trials for diabetic drugs, the representation of Black Americans among participants is only in the low single digits, despite comprising 13 percent of the U.S. population and more than 40 percent of diabetes patients in this country. Industry leaders have been aware of the lack of diversity issue, but some have chosen to ignore it or brush it aside. The biggest problem, in our opinion, is that there have been no penalties for not achieving higher diversity figures in clinical trials, and only minor financial repercussions to pharma/biotech companies when their treatments either do not work across all groups once approved, or there is a lack of uptake by all groups due to the lack of testing in those groups. The lack of clinical trial diversity has adversely impacted the reputation of the industry and the ability to recruit diverse populations in the future.
Acclinate integrates culture and technology to promote diverse patient representation in medical research. Our approach is not transactional. We build trust through our #NOWINCLUDED community, which is an ongoing, ever-expanding digital platform that educates and engages with communities of color on health issues.
#NOWINCLUDED includes a website app, and social media presence where members can learn information about diseases, particularly those with greater negative impacts on people of color, such as cancer, diabetes, and cardiovascular diseases. Members can share stories and ask questions. By providing access to trusted resources about these health issues and the latest clinical research, we empower Black people to take control of their health and consider participating in research that is shaping the future of healthcare.
For healthcare-related organizations, we offer the opportunity to better understand the attitudes, aspirations, and unmet needs of underrepresented minority communities. Data from #NOWINCLUDED feeds our HIPAA-compliant SaaS platform, e-DICT™ (Enhanced Diversity in Clinical Trials), which uses predictive analytics and machine learning to identify individuals matching the requirements and most likely to be receptive to participation in a particular clinical trial.
Acclinate scales its platform with Google Cloud
We rely on Google Cloud services, including Vertex AI, to know whom to ask, when to ask, and how to ask for clinical trial participation. With Vertex AI, we enjoy a unified platform for developing our artificial intelligence models, including tools for preparing and storing our datasets. We can easily train and compare models using AutoML, which requires minimal ML expertise or effort with its intuitive graphical interface. This allows us to leverage more than ten ordinal and categorical data points to determine in real time a community member’s likelihood to enroll, which we call our Participation Probability Index (PPI). Our models evolve in an iterative process the more we interact with, and learn about, our community members.
We follow the pay-per-use Google Cloud Platform architecture model using serverless technology, which helps reduce infrastructure management costs and lets us focus on product development and engaging with communities across the U.S.
CloudSQL, a fully managed relational database service, integrates easily with BigQuery so we can glean insights for our clients in real time, all with Google Cloud’s robust security, governance, and reliability controls. Virtual Private Cloud (VPC) gives us scalable and flexible networking for our cloud-based resources and services. We also use Identity and Access Management (IAM) to simplify oversight of Google Cloud resource permissions for different user groups and roles, with appropriate security protections.
API Gateway manages our APIs using Cloud Functions, which both use consumption-based pricing, plus give our developers consistent and highly secure access to our services through a well-defined REST API. We use Memorystore for Redis to reduce platform latency. This is done with a fully managed service powered by the Redis in-memory data store, which builds application caches for fast data access. All of this comes together to provide an outstanding experience for our platform’s users and contributors.
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Expanding influence with the Google for Startups Accelerator for Black Founders
Three months of one-on-one Google support and mentorship as part of the most recent Google for Startups Accelerator : Black Founders cohort not only helped us build our product, but also helped us earn external credibility. People use Google every day, so whether we’re trying to engage in conversations with industry experts or with somebody in a rural community, it is helpful to have the buy-in of a globally-recognized brand as we take on a historically difficult, systemic issue with challenges around trust. Getting access to the products, best practices, and people we need to build and grow through the Accelerator program has been priceless. For example, working with the Google AdWords team helped us generate important traffic from people interested in learning more about #NOWINCLUDED or sharing their story with us. Jason Scott, who leads the Google for Startups Accelerator: Black Founders program, is still connecting us to people in his network and identifying key opportunities for us months after the program wrapped. He continues to demonstrate that he is invested in seeing us succeed.
Our company has made great progress against our goals, in part thanks to receiving capital from the Google for Startups Black Founders Fund. We received $100K in non-dilutive funding along with Google Cloud credits, Google.org Ads grants, and hands-on support. We used the funds to pay for the transition and development costs associated with moving to Google Cloud. The Google support and accountability has been incredible. After receiving the Google for Startups Black Founders Fund award, we’ve gone on to raise another $1M and moved our cloud from Salesforce to Google Cloud.
We also had the amazing opportunity to be selected as one of six companies to take part in a face-to-face web conference with Sundar Pichai, Google’s CEO. We were thrilled to hear him explain his vision around health equity and the role Google plays. Ultimately, for us, it’s not just about the funding we get, but we are also gratified to receive support from an entity that truly believes in addressing this issue. We know Google is aligned with our mission of health and racial equity.

Championing diversity in clinical trials
Our 2022 looks bright. We expanded our presence to Washington, D.C. as part of the Johnson & Johnson Innovation JLABS ecosystem. We were also selected to take part in the BLUE KNIGHT initiative created between Johnson & Johnson Innovation and the Biomedical Advanced Research and Development Authority (BARDA) under the U.S. Department of Health and Human Services.
Acclinate is also on track to have contracts with five of the top 25 largest biopharmaceutical companies in the U.S this year. They’ve taken note, as has the Food and Drug Administration (FDA), that the lack of diversity in clinical trials represents a significant health concern—to the extent that the FDA has provided strong guidance for pharmaceutical companies to diversify their clinical trials. At the same time, the industry is also responding to pressure from communities of people of color to make equitable representation a priority.
Today, we are in the fortunate but challenging position to have significant inbound opportunities coming our way. In response, we continue to recruit and hire talented people to join our team. On the technology side, we are happy to be aligned with Google Cloud to have powerful cloud infrastructure that will scale with us, as well as high-caliber champions united in partnership. With people’s lives at stake, we are passionate in our commitment to helping ensure medications do what they are supposed to do: heal and improve the quality of life for everyone who takes them.
Hear Acclinate cofounders Del Smith and Tiffany Whitlow chat with Google’s Head of Startup Developer Ecosystem Jason Scott and fellow Black Founders Fund recipient Bobby Bryant about building on Google Cloud in a recent Google for Startups Instagram Live.
If you want to learn more about how Google Cloud can help your startup, visit our page here to get more information about our program, and sign up for our communications to get a look at our community activities, digital events, special offers, and more
Lending DocAI Shortens Borrowers’ Journey on Roostify

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The home lending journey entails processing an immense number of documents daily from hundreds of thousands of borrowers. Currently, home lending document processing relies on some outdated digital models and a high dependency on manual labor, resulting in slow processing times and higher origination costs. Scaling a business that sorts through millions of documents daily, while increasing efficacy and accuracy, is no small feat. When it comes to applying for a mortgage loan, consumers expect a digital experience that’s as good as the in-person one. Roostify simplifies the home lending journey for lenders and their customers.
No time to spare: Overcoming document processing challenges with AI
Roostify provides enterprise cloud applications for mortgage and home lenders. In order to empower its customers to deliver a better, more personalized lending experience, they needed to automate and scale their in-house document parsing functionality.
As a key component of its document intelligence service, Roostify is leveraging Google Cloud’s Lending DocAI machine learning platform to automate processing documents required during a home loan application process, such as tax returns or bank statements with multi-language support. This partnership delivers data capture at scale, enabling Roostify customers to automatically identify document types from the uploaded file and to extract relevant entities such as wages, tax liabilities, names, and ID numbers for further processing, and make things move faster in the cumbersome lending process.
Roostify’s solutions leverage Google Cloud’s Lending DocAI, which is built on the recently announced Document AI platform, a unified console for document processing. Customers can easily create and customize all the specialized parsers (e.g., mortgage lending documents and tax returns parsers) on the platform without the need to perform additional data mapping or training. All Google Cloud’s specialized parsers are fine-tuned to achieve industry-leading accuracy, helping customers and partners confidently unlock insights from documents with machine learning. Learn more about the solution from the GA launch blog and the overview video.
Integrating Lending DocAI’s intelligent document processing capabilities into the Roostify platform means more innovation for their customers and tangible results: faster loan processing times, fewer document intake errors, and lower origination costs. Additional support in Google Lending DAI for other languages and more documents like global Know Your Customer (KYC) documents or payroll reports is in the near future.
Full integration of AI solutions
Working together with Roostify’s platform team, we were able to help them solve their document processing challenge through integration of various GCP products such as Lending DocAI (LDAI), Data Loss Prevention (DLP) for redacting sensitive data, BigQuery for data warehousing and analytics, and Firestore for API status. To make it very safe and secure, all data was encrypted end-to-end at Rest and in Transit. LDAI won’t require any training data to process. It is an easy plug and play API.
Here is a sneak peek in the high level deployment architecture for LDAI in Roostify environment:

Here are the steps for processing data:
- Receives document processing request from the client.
- API Function directs requests to the pre-processing service. For Async requests a processing ID is generated and returned to the caller.
- Pre-processing service sends the request for further processing (Long/short PDF conversion), calling other microservices and receives back the responses. Any error in the response received is then sent to the response processing service.
- If the response is synchronous, the pre-processing service directs it to the LDAI Invoker service.
- If the response is asynchronous, the pre-processing service feeds it into the Cloud Pub/Sub service.
- Cloud Pub/Sub service feeds the response back to the LDAI Invoker service.
- LDAI Invoker service routes the request to the Google LDAI API for classification if there are multiple pages in the document.
- Document will be split based on LDAI response and then saved in a GCS bucket for temporary storage.
- LDAI entity interface for single page processing and then LDAI Invoker sends LDAI results to LDAI Response Processing
- If a request is a synchronous request the LDAI Response Processor sends results to the API Function so that it can complete the synchronous call and respond to the rConnect caller.
- If the request is an asynchronous request the LDAI Response Processor will respond to the caller’s webhook and complete the transaction.
- Finally, Data stored in the GCP bucket will be deleted.
All the responses that come from the LDAI API can optionally feed into BigQuery via the Response Processor, after parsing it through Data Loss Prevention (DLP) API to redact the PII/sensitive information. Throughout the processing of both asynchronous and synchronous requests all transactions are logged using Cloud Logging. For asynchronous transactions, the state is maintained throughout the process using Cloud Firestore.
Roostify currently uses this technology to power two different solutions: Roostify Document Intelligence and Roostify Beyond™. Roostify Document Intelligence is a real-time document capture, classification, and data extraction solution built for home lenders. It ingests documents uploaded by borrowers and loan officers, identifies the relevant documents, and extracts and classifies key information. Roostify Document Intelligence is available as a standalone API service to any home lender with any digital lending infrastructure already in place.
Roostify Beyond™ is a robust suite of AI-powered solutions that enables home lenders to create intelligent experiences from start to close. It combines powerful data, insightful analytics, and meaningful visualization to streamline the underwriting process. Roostify Beyond™ is currently available only to Roostify customers as part of an Early Adopter program and will be rolled out to the market later this year.


Through this partnership, Roostify has enabled its customers to adopt a data-first approach to their home lending processes, which will lead to improved user experiences and significantly reduced loan processing times.
Fast track end-to-end deployment with Google Cloud AI Services (AIS)
Google AIS (Professional Services Organization), in collaboration with our partner Quantiphi, helped Roostify deploy this system into production and fast-tracked the development multifold to generate the final business value.
The partnership between Google Cloud and Roostify is just one of the latest examples of how we’re providing AI-powered solutions to solve business problems.
Application Rationalization: Your App Development Team is Gonna Love It!

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On April 6th, 2022, Google Cloud established a new partnership with CAST, to help accelerate the migration and application modernization programs of customers worldwide, complementing the Google capabilities already available through the Google Cloud Application Modernization Program (CAMP).
Application Rationalization (App Rat) is the first step towards a cloud adoption or migration journey, through which you go over the application inventory to determine which applications should be Retired, Retained, Refactored, Replatformed, or Reimagined.
Why is this important to you?
Have the majority of your in-house applications still not moved to the cloud? How much time does your development team spend on support (bug fix, tickets, etc.) versus feature(s) development? Have Infrastructure/Platform dependencies ever delayed product rollout? Would an auto-scalable, managed cloud, increase stakeholder buy-in?
Can Google simplify this journey?
Google Cloud Application Modernization Program (CAMP) has been designed as an end-to-end framework to help guide organizations through their modernization journey by assessing where they are today, and provide a path forward. When it comes to App Rationalization, this depends on what your role is.
Step 1 (Assess): Who is the target audience? The Platform team (or) the Application team?
This determines what kind of challenges we are trying to solve. For e.g. the centralized platform team wants to set some guardrails on how the App teams deploy their apps. Streamlining this would allow the platform team to mature themselves into the SRE territory. The application team, on the other hand, loves flexibility, and the ability to perform Continuous Delivery.
These examples are only the tip of the iceberg. Most of the enterprise customers have a majority of their applications in the legacy world. Unless we move those business critical applications to the cloud, it’s impossible to mature as an enterprise. For more information, check State of DevOps 2021 report.

Step 2 (Analyze): Google Cloud offers the tooling and the framework to analyze your legacy applications.
Platform Owner (persona), usually have very little information on which workloads are a good fit for modernization.
Google’s StratoZone® SaaS platform provides customers with a data-driven cloud decision framework. The StratoProbe® Data Collector Application delivers the ability to easily deploy and scale the discovery of a customer’s IT environment for Private, Public, or Hybrid-cloud planning. To ease and accelerate the VM migration journey, Google Cloud offers assistance and guidance in making the right decisions when deciding to go to cloud.
Google’s mFit aims at unblocking customers in their transformation by providing workload selection for successful on-boarding, at scale, to Anthos, GKE and Cloud Run , in both pre-sales (e.g. proof-of-concept/proof-of-value) and post-sales (e.g. pilot and at scale execution) scenarios.
App and/or Business Owners (persona), get involved in a 1-week workshop, using CAST Highlight, which would provide rapid portfolio assessment through automated source code analysis for Cloud Readiness, Open Source risks, Resiliency, and Agility.

Step 3 (Plan & execute): Each organization is different. Some may follow the “Migration Factory” approach, and some may follow “Modernization Factory”, and some may follow both. Irrespective of which approach you choose to follow, it is important to plan just enough, so that you can start your execution. Ensure to set the OKRs, that would help with the right measurements, before you start the execution. The actual learning from the execution helps the team(s) to learn more about the cloud migration process, and refine it based on their organization.
Using CAST Highlight in the assessment step previously, we get the recommendation for the analyzed applications. From there, for certain workloads, we can use Migrate to Containers, to automate the containerization of suitable workloads. However, there are certain applications that require manual code changes. You have a few options for that,
- Our experts can help you get started.
- Our partners can help you
Step 4 (Measure & reiterate): Measure the progress using the predefined metrics in the previous step. Celebrate the wins. Consistently share the learnings and best practices with the developer community. Pick the next challenge
Take the next step
Tell us what you’re solving for. A Google Cloud expert will help you find the best solution.
Optimizing Cloud Load Balancing in Hybrid and Multicloud Architectures

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Today’s enterprise applications are often assembled across distributed environments. This includes the integration of services across multi-cloud, multi-SaaS and on-premises environments. While the approach has the advantage of enabling enterprises to choose the best service available to support their applications, it adds the complexity of delivering services across heterogeneous environments. To solve this, Cloud Load Balancing supports an open cloud strategy, which includes:
- Supporting universal traffic management policies across heterogeneous environment by leveraging open source and open standards
- Enabling a global front-end so applications can leverage a common set of policies and security postures
- Providing tools that give your users the highest possible performance and reliability
Universal traffic management with open source and open standards
Kubernetes is a great solution for managing containers across environments. We believe that traffic management policies should also be supported across environments. Cloud Load Balancing creates homogeneous traffic policies across highly distributed heterogeneous environments by supporting standard-based traffic management in a fully managed solution, and allowing open source Envoy Proxy sidecars to be used on-premises or in a multi-cloud environment, using the same traffic management as our fully managed Cloud Load Balancers.
As enterprises start modernizing services and refactor monolithic applications, they require solutions that can provide consistent traffic management across distributed systems at scale. But organizations want to invest their time and resources innovating and building new applications — not on the infrastructure and networking required to deploy and manage these services. Envoy is an open-source high-performance proxy that runs alongside the application to deliver common platform-agnostic networking capabilities, including:
- New load balancing algorithms, (e.g. round robin, ring hash, least conns)
- Weighted traffic splitting
- Fault injection
- Request mirroring
- Outlier detection
- Additional header transformation options
- Request retries
- Additional backend session affinity options
- Cross-origin resource sharing (CORS)
Hybrid Load Balancing across multi-cloud and private clouds
Over the years Google has deployed Load Balancers across 173+ Edge Pop locations, delivering customer applications at massive-scale on Google infrastructure. And now Google Cloud has introduced Hybrid Load Balancing, extending our Load Balancing capabilities beyond Google’s network to on-premises private clouds and multi-cloud solutions. This allows our customers to migrate applications to the cloud iteratively, or build hybrid applications that are assembled from services that are running across heterogeneous environments.

Supporting modern application delivery with HTTP3/QUIC
Cloud Load Balancing is a fully distributed load balancing solution that balances user traffic (HTTP(s), HTTPS/2, HTTPS/3 with gRPC, TCP/SSL, UDP, and QUIC) to multiple backends to avoid congestion, reduce latency, increase security, and reduce costs. It is built on the same frontend-serving infrastructure that powers Google services, supporting millions of queries per second with consistent high performance and low latency.
To serve massive amounts of traffic, Google built the first scaled-out software-defined load balancing, Maglev, which has been serving global traffic since 2008. It has sustained the rapid global growth of Google services, and it also provides network load balancing functions for Google Cloud Platform customers. To accommodate ever-increasing traffic, Maglev is specifically optimized for packet processing performance with Linux Kernel Offload. Maglev is also equipped with consistent hashing and connection tracking features, to minimize the negative impact of unforeseen faults and failures on connection-oriented protocols.
Another key enabler to support this global-scale is that our Cloud Load Balancers are built on top of QUIC(RFC9000), a protocol developed from the original Google QUIC) (gQUIC). HTTP/3 is supported between the External HTTP(S) Load Balancer, Cloud CDN, and end clients. And once enabled, customers typically see dramatic improvements in performance and throughput.


Google Cloud already supports HTTP3 in Cloud Load Balancer. To use HTTP/3 for your applications, you can enable it on your external HTTPS Load Balancers via the Google Cloud Console or the gCloud SDK with a single click.
If your service is sensitive to latency, QUIC will make it faster because it establishes connections with reduced handshakes. When a web client uses TCP and TLS, it requires two to three round trips with a server to establish a secure connection before the browser can send a request. With QUIC, if a client has connected with a given server before, it can start sending data without any round trips, so your web pages will load faster.
QUIC has advantages over legacy TCP as follows.

Summary
Since 2008, Google has been an innovator in software-defined networking, supporting applications running at massive scale. Google Cloud Load Balancers support HTTP3 and QUIC as a next generation web transport protocol, which significantly improves customer traffic latency. Google Load Balancers also have incorporated the Envoy proxy as a foundational technology, providing our customers with advanced traffic management that’s compatible with the open source Envoy ecosystem. This allows our users to have the choice to combine Google’s fully-managed Cloud Load Balancers with open source Envoy Proxies, to enable consistent traffic management capabilities across a multi-cloud distributed environment. And with Hybrid Load Balancing, customers can leverage our 173+ world wide PoPs to seamlessly manage traffic across Google Cloud, on-premises and other cloud providers.
Google Cloud Load Balancers include all these capabilities natively. And when used together, they support globally-scaled applications that run seamlessly across the heterogeneous environments many enterprises deploy today.
BPAY: Uncovering New Business Opportunities with APIs

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Editor’s note: Today we hear from Jon White and Angela Donohoe from BPAY Group. BPAY Group is best known for BPAY, the leading electronic bill payment system in Australia, handling one-third of the market. Learn how BPAY Group is positioning the organization for the future by using APIs to streamline workflows for existing customers and new businesses.
BPAY has been a leader in the bill payment industry in Australia for 22 years and provides a secure, fast, and convenient way to connect individuals, businesses, and banks to help people stay on top of their bills.
One of the reasons that BPAY is the preferred bill payment service for so many Australians is our commitment to human-centered design. We’re continuously talking with customers and looking at ways that we can deliver better experiences, products, and services, such as peer-to-peer payments. During these conversations, we noticed some ways that our processes were causing friction for existing or potential customers.
For example, we traditionally used a batch processing system to handle requests between billing companies and banks. But that could cause headaches for some customers, as an error in even one request could cause the whole batch to be rejected. Plus, many “neobanks” (new types of digital-only banks) wanted to work with real-time transactions instead of batch processes, which take longer to complete.
We realized that APIs had the potential to solve many of the challenges impacting customers while opening the doors for future product and business development. We developed a few customer-facing APIs and tested them in closed betas. This experiment went far better than we expected, and we realized that there was a huge appetite for APIs among our biller customers.
While we had developed many APIs for internal systems, developing APIs that were easy to consume by our customers was a new challenge. We needed to move away from our home-grown API development approach and make our API environment more powerful, versatile, and easier to use. The API experts at The Singularity worked with us to develop a strong API strategy. We decided that we would need to support our new strategy with a scalable API management platform.
After a rigorous search, we landed on the Apigee API Management Platform. Apigee was the only solution that met all our technology and business requirements. With Apigee, we have a solid foundation for APIs that will help us deliver more value for all customers.
Creating a custom development environment
BPAY is a trusted brand in Australia, so it was very important to us that we maintain our reputation for excellent customer experiences. When setting up our developer portal, we started with a closed pilot and used developer feedback to make the portal as convenient and simple to use as possible. The Apigee developer portal has many built-in features to help us customize experiences, and if we run into roadblocks, the Apigee team at Google listens and helps us create the custom experience we want.
The developer portal has already proven to be extremely popular. In its first month live, we registered 104 developers in the sandbox environment and 10 developers in the production environment. That was before we even started marketing our developer portal, so we expect those numbers to rise quickly.
Breaking new ground with APIs
We’ve already released four foundational APIs, with a goal of eventually releasing dozens. Our APIs are helping us create smoother experiences for customers. We mentioned that when processing a batch of payment files, one mistake could cause the entire batch to get rejected. Our APIs now enable businesses to validate all payment information before submitting a batch file, dramatically reducing the chances of errors. They can even use our APIs to automatically generate batch files in the right format for different banks.
While APIs improve service for current customers, they also open the doors for new areas of business. Buy now, pay later (BNPL) services, which enable customers to spread out payments across weeks or months, are already popular in retail spaces. After releasing our first APIs, we connected with two BNPL billing services. These companies use our APIs to validate customers’ bill payment information and then pay the bill in full on behalf of customers. This was a completely new use case for us, one that could not have been implemented without our APIs.
The payment service NoahPay also adopted our APIs to validate payment information and let customers pay bills using funds from their WeChat accounts. This is an exciting new market for us, as it’s one of the first examples of how we can connect to international digital wallets through our new APIs. It’s also a great way to introduce users of WeChat, a messaging app used by more than 1 billion people in China, to the BPAY brand.
Planning for the future of bill pay
We have big plans for APIs in the future, and Apigee helps make these plans a reality. We plan to establish a generous freemium monetization model that will allow customers to make up to 200,000 API calls for free each month with tiered payment plans above that. This will enable us to open the doors for smaller organizations while providing optimal support for larger businesses and banks that might need to make millions of calls. Having powerful end-to-end monetization features built in to Apigee means that we can process monetized transactions with ease.
Built-in reporting functionality will also help us make sure that we’re understanding the market’s need for APIs and always providing our customers with valuable services and support.
Apigee greatly streamlines creating self-service API environments. Even as we grow our business, our internal teams will be able to continue providing excellent customer service without needing extra staff to answer questions, help with integration support, and constantly check API security. APIs are the way of the future, and Apigee prepares us meet the challenges that come along with it.
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