How This Sri Lankan Bank is Striving to Make Banking Accessible to All

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Headquartered in the Sri Lankan capital of Colombo, Cargills Bank is not short on ambition or vision: it plans to make banking services accessible to all Sri Lankans and become a financial services leader at home and internationally. Founded in 2014 and licensed by the Central Bank of Sri Lanka to provide domestic and offshore banking services, Cargills Bank provides Retail, Credit and Debit Cards, Corporate, SME, Agri, Micro Finance, Treasury, and Trade banking products to customers.
The bank delivers these products from a network that includes 19 branches, the internet, mobile applications, and a partnership with supermarket chain Cargills Food City that enables customers to transact at more than 370 service points across Sri Lanka.
Cargills Bank initially deployed productivity and communications applications running in an on-premises data center. However, these applications could not support the bank’s growing need to operate as an agile, collaborative, technology-enabled institution. “We wanted to minimize the time and resources dedicated to administration and give our employees the ability to engage and collaborate more effectively. This naturally led us to the cloud and to G Suite,” says Indika Fernando, Senior Manager IT, Applications and Development, Cargills Bank.
Accelerating workflows
The bank also wanted to use scripts to accelerate and automate workflows that incorporated its productivity applications. “The limitations of our previous platform meant it took us three weeks to complete a simple workflow. We wanted to accelerate this process for simple and complex workflows,” explains Fernando.
A technology review by the Cargills Bank IT team found G Suite could meet all of the company’s business and technical requirements. “Employees could meet using voice and video connections from their desktops, mobile devices, and meeting rooms, and collaborate in real time on documents,” says Fernando.
This was a considerable improvement compared to the previous platform that required each stakeholder to wait until other people provided their input, or people providing input into different copies of the same document, forcing a document author to spend time consolidating all feedback into a final version.
“With G Suite, we can be sure that all stakeholders provide detailed and timely input into the documents we rely on to make critical business decisions,” says Fernando.
Augmenting G Suite
G Suite also supported an initiative by Cargills Bank to provide single sign-on for all business applications, while cost effectively giving workers access to cloud-based spreadsheet, document, slide, information collection, web, and wiki creation tools. Furthermore, Apps Script enables the bank’s developers to perform tasks including building add-ons for G Suite products such as Sheets, Docs, Slides, and Forms; writing custom functions for Sheets; publishing web apps embedded in Google Sites; and interacting with services such as AdSense, Analytics, Calendar, Drive, Gmail, and Maps.
Cargills Bank completed migrating its workforce to G Suite a couple of years ago. To help ensure the project was completed on time, within budget, and delivered access to the full range of G Suite tools, the bank engaged Google Partner Finetech Consultancy, which is also headquartered in Colombo.
“The partner oversaw creation of our architecture and undertook training and change management,” says Fernando. “It provided expert consultancy and troubleshooting throughout the three-month deployment and played an integral role in enabling us to launch on schedule.”
The bank has established a Google based social network to create and run internal communities and give its employees the freedom to create communities. “The communities effectively operate as internal social networks that our departments and staff can use to disseminate day-to-day information and announcements,” says Fernando. “For example, leaders of a training and development community use the forum to publish details of upcoming training programs and celebrate people who have completed training exercises.”
Cargills Bank has also established Hangouts Meet as a key communication tool. Employees use voice, video, and chat services to collaborate, with an audit trail that is a requirement in a regulated industry.
Using Apps Script to increase the power of G Suite has delivered a range of benefits to Cargills Bank and enabled the institution to pass on valuable insights to the Sri Lankan Google user community. “Our work with Google has made us a source of expert knowledge that can be accessed by the wider business community” says Fernando.
Workflows increased from 25 to 40
With G Suite and Apps Script, Cargills Bank teams are working more efficiently and the number of streamlined processes has increased from 25 to 40. The bank is using Forms to support simple applications, and a combination of Forms, Apps Script, and HTML code to run complex workflows encompassing validation, documentation, and authorization, and that require sandboxes for code testing and experimentation.
Key workflows supported by Forms and Apps Script include credit card and bank account applications. These workflows automate the process of helping ensure relevant teams review and accept or reject customer applications based on KYC rules. For example, when a customer applies for a new account, a bank employee will scan the request document and supporting information, which is then sent electronically to another team for verification. That team may reject, request more information, or approve the application for escalation to another team for authorization. The authorization team can then approve, reject, or request more information. Each step is automated and associated documentation stored on Drive.
For a credit card application, the Cargills Bank risk department uses a Forms and Apps Script powered workflow to evaluate risk factors such as an applicant’s age, credit history, income, and assets.
Other workflows powered by G Suite manage vehicle reservations, loan origination, customer complaints, incident management, system access requests, lead generation, and e-learning.
“All requests and requirements for vehicles for occasions such as official visits are submitted and authorized through a process supported by Apps Script,” says Fernando. “An approved reservation is sent to the calendar of the person who made the request and pops up in a person’s mobile phone or computer when it is scheduled. This is much simpler than our previous system that required us to send text messages to people to advise them their vehicles were ready.”
E-learning a key process
E-learning is a particularly important activity Cargills Bank has implemented using G Suite. Employees complete learning modules online that help them perform their roles effectively and to pass exams set either by the bank or based on content regulated by the Central Bank of Sri Lanka. Most of the learning material is created in Forms, while Google workflows and dashboards enable managers to track when employees have completed various e-learning modules.
Automation through Google has enabled Cargills Bank to complete backend processes associated with workflows from two days to just two minutes. Uptime is over 99 percent, helping ensure the bank can meet regulatory and internal business requirements.
With workflows powered by G Suite and Apps Script well established within the bank, the institution is continuing to invest in Google Cloud Platform services. A Cloud SQL database manages retail and housing loan information captured and used by Cargills Bank’s loan origination system and workflows. The bank has also started using Google Data Studio to create dashboards that enable it to visualize critical information.
Furthermore, Fernando and his team are exploring the potential of Google machine learning services to help develop chatbots. “Whenever our development team sees a powerful new product from Google, we conduct a deep dive to determine what application it may have for the bank,” Fernando says.
Upgraded G Suite and added new workflows
In January 2019, Cargills Bank elected to upgrade to G Suite Business to take advantage of features such as unlimited storage to archive all its files in digital formats on Drive.
The institution had also used Apps Script to develop complex new workflows across several modules to automate and streamline credit risk scoring, and track and audit hardware movement. In addition, Cargills Bank has developed and deployed new applications using App Maker, available through G Suite Business, and connected them to Cloud SQL to enhance the security of workflow data.
Cargills Bank is now using Google Data Studio, through connectivity to Sheets, to create dashboards for its previously-developed workflow applications.
The institution has also stepped up its collaboration activities through the use of the Jamboard digital whiteboard, available through G Suite. Initially used to exchange ideas between members of the Cargills Bank technology department, the service is due to launch to all users in the coming months.
Reduced friction
Cargills Bank Chief Operating Officer Rohan Muttiah welcomes the role G Suite plays in enabling the business to realize its objectives. “Cloud-based productivity tools such as G Suite reduce friction within our business processes, enabling us to operate more efficiently and effectively in bringing banking to the people of Sri Lanka,” he says.
“Deploying G Suite has given us an agile, dynamic platform to achieve growth based on increased use of fintech and digital technologies,” Fernando says. “Ultimately we want all Sri Lankans to access financial services wherever and whenever they need to and we see G Suite as providing many of the capabilities that enable us to do that.”
Precarious to Precision: How Dainik Bhaskar Corp Transitioned Its Business in a Time of Great Change

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About DB Corp
DB Corp is India’s largest newspaper publisher delivering 62 editions in four languages and selling about 6 million copies per day. The business also has an extensive online and mobile presence.

Headquartered in Bhopal, India, and listed on the Bombay Stock Exchange, DB Corp is India’s largest newspaper group. DB Corp publishes 62 editions in four languages and sells about 6 million newspaper copies per day. Beyond newspapers, DB Corp operates 29 radio stations, 13 portals and two mobile apps.
Like the media industry in general, DB Corp is having to adapt to readers’ increasing preference for accessing news content online – particularly on mobile devices.
However, online advertising is yet to fill the gap left by the leakage of advertising revenues from print. Further disruption occurred when the Indian Government’s implemented a demonetization program in November 2016 that prompted a sharp surge in e-commerce transactions and online banking.
Facing a tsunami of change, DB Corp is developing and executing new strategies to engage consumers and build revenues.
These plans include evolving from an IT-supported business to an IT-enabled company, and finally to an IT-led business that complements its newspapers with online news and updates throughout the day.
DB Corp is building e-commerce properties that leverage its print brands and is moving to increase advertising across its mobile services.
Furthermore, the business is looking to capture information about readers and customers to tailor its publications and services more closely to their needs.
Expertise in Managing Large Data Volumes Behind GCP Selection
However, DB Corp’s on-premises infrastructure and traditional applications could not deliver the flexibility and agility needed to support the transition to real-time news delivery.
In late 2015, DB Corp started evaluating public and private cloud services, including cloud-based application suites and platform-as-a-service offerings. This process led the business to deploy G-Suite and start working with Google Cloud Platform (GCP).
“We selected GCP due to Google’s experience in delivering cloud services, and because nobody else manages data volumes of the magnitude that they do,” says R D Bhatnagar, Chief Technology Officer, DB Corp.
“We were also impressed by the fact GCP had a local team with the skills and expertise to educate us about how best to use its products.”
DB Corp is migrating its websites and key applications to GCP. The business is also upgrading its network to remove bandwidth restrictions that could impede the value provided by GCP services.
The scale and scope of DB Corp’s G Suite and GCP projects has required the business to engage four partners and access technical expertise and support from Google itself. Technical and business experts from the platform as a service provider are providing monthly updates and training sessions with various groups within the organisation, including user communities and the board of directors.
The Google projects at DB Corp are driving a sharp increase in the speed, agility and performance of the business.
“As a senior leader within the organisation, I see the key benefits of GCP and other technologies being lower cost; greater efficiency; and improved business continuity,” says Bhatnagar.
“For example, the current data center team can be redeployed to other initiatives as the technical experts at GCP will be undertaking most of the management and maintenance tasks.”
DB Corp is already making business and financial performance data available in real time from a single source, enabling business teams to make sound, consistent decisions about digital strategies and other key activities. These teams may also address issues or problems before they compromise the quality of content and services provided to consumers.
Deploying Chrome for Meetings across various offices has enabled teams to communicate and collaborate effectively in real time, breaking down geographic barriers, ensuring each member is on the same page and ensuring the business transformation proceeds smoothly.
Sales teams are using Google Forms and Google Sheets to centralize and control tasks such as sales forecasting, reducing the time required to complete reports and updates from up to a week to two hours.
Furthermore, various teams are using calendars to improve organization and productivity. For example, editorial teams are using calendars to track Indian holidays and festivals and deliver relevant content to readers.
Reporters are also using Google Cloud Speech API and Google Cloud Translation API services to capture and document interviews and source material for articles at accuracy rates of 95 percent for Hindi alone.
Fortune 500 Electronics Manufacturer Makes Collaboration a Competitive Advantage…and Saves $2 Million A Year

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When electronics manufacturer Sanmina adopted G Suite several years ago, its goals were clear: reduce licensing costs, simplify management—particularly of its messaging tools—and cut hardware expenditures.
Fast forward several years and the Fortune 500 company has achieved those goals and more. By moving to Gmail, Sanmina reduced more than 110 email servers by over 90%, freed up its IT support function from basic administration to focus on more valuable tasks, and saved $2 million a year on total cost of ownership (including over $1.5 million a year on IT licensing).
A long-term plan: cloud collaboration
For Sanmina CIO Manesh Patel, the impressive returns are part of a bigger plan. From the beginning, Manesh recognized the potential of moving to the cloud to facilitate collaboration across Sanmina’s global operations. With more than 45,000 employees across 26 countries delivering different elements of a global value chain from design to delivery, the benefits of improving collaboration were clear. It could open up innovation by drawing on ideas from different locations and teams and enhance quality control throughout the manufacturing process.
As the first step towards this compelling vision, Manesh focused on rolling out Gmail and Calendar. Both applications were already familiar to many employees and offered a straightforward route to embrace cloud services. With cost savings quickly following, colleagues across Sanmina could see clear benefits from the shift to the cloud.
At the same time, Sanmina made the full suite of tools available and allowed adoption to occur organically across the organization.
Driving adoption
As interest in cloud computing grew, G Suite provided an ideal platform for employees to explore new ways of working together—with some parts of the business swift to develop effective uses for the collaborative tools. Building on the work of these leaders, Manesh has promoted adoption of the suite on several fronts over the past 18 months. Manufacturing, Quality, Engineering, and Supply Chain are a few examples of early adopters that benefit from the improved collaboration in G Suite.
The company also looked to build greater awareness of new G Suite features and functions. It engaged with Google partner Maven Wave. “Maven Wave has been a terrific and responsive partner,” he says. “They’re open and adapted their approach to our needs, while bringing a core competency on G Suite.” Maven Wave brought the experience of working with other global companies on similar initiatives, and an effective change management methodology that was tailored to fit Sanmina’s culture.
“Hangouts Meet fundamentally changes how people interact; you can put a face to a name and really engage with your team. It’s as close as you can get to meeting in person.”
– Manesh Patel, CIO, Sanmina
The messaging tools were not being used to full effect either. When Gmail was first introduced, training was optional; some of the teams were therefore not familiar with features such as attaching documents from Google Drive or archiving content. To help ensure the whole business was using Gmail to its full potential, there has been strong internal promotion of Google’s easy-to-use, online G Suite Training tools. “It’s very easy to consume and very effective,” says Manesh.
Embracing collaboration
Today, Sanmina employees rely daily on several G Suite tools, including Docs, Sheets, Slides, and most recently Hangouts Meet.
“More and more of our employees use Hangouts Meet. Our employees often work as part of teams that are dispersed around the world, so they don’t have the chance to actually meet their colleagues,” Manesh explains. “Hangouts Meet fundamentally changes how people interact; you can put a face to a name and really engage with your team. It’s as close as you can get to meeting in person.”
Manesh acknowledges that this is not simply a result of technological change, but a cultural shift as people grow more comfortable with video calls in their personal lives. Hangouts Meet brings that same ease of use to professional settings—and even well-traveled executives are adopting Hangouts Meet, appreciating its versatility across multiple platforms.
To encourage further use, the IT team has committed to equipping at least one room in every Sanmina facility around the world with Hangouts Meet hardware. “We definitely expect to save time and reduce travel costs with Hangouts Meet,” Manesh confirms. “But the bigger benefit for us is definitely the way it brings people together.”
Collaborating across teams and communities
With that goal in mind, Manesh has also promoted several other collaboration tools—in particular Hangouts Chat, Reveal, and Team Drives.
“More and more of our communications take place via Chat, whether in a team environment or one-to-one setting,” he says. “It’s the asynchronous tool that works alongside Hangouts Meet, for synchronous collaboration.”
Similarly, the use of Reveal—a corporate video sharing platform developed by Maven Wave and Google—is growing. “We’ve just started using Reveal to distribute regular video messages from the CEO to our employees and we also expect it to be a big part of our internal communications,” Manesh says. These videos help keep Sanmina employees aligned with company goals and increase a sense of connectedness across the global organization.
Sharing files between dispersed teams
The move to increase use of Team Drives, meanwhile, is one of Manesh’s priorities. “In every one of our factories worldwide, we have a shared drive on a shared server. We’re in the process of moving those to Team Drives, which will provide a big benefit in terms of infrastructure and in terms of how we work.”
“G Suite enables us to collaborate efficiently and create complex process documents that help us adhere to strict quality control requirements.”
– Manesh Patel, CIO, Sanmina
Manesh and his team have spent a lot of time and effort improving capacity, redundancy, and failover capabilities in preparation for the change. Team Drives should reduce storage requirements and remove challenges and costs tied to back-up and maintenance.
More importantly, the use of Team Drives will mean that files can be shared across multiple sites to further improve collaboration across teams.
Bringing collaboration to the factory floor
The power of G Suite is evident across the organization—from its corporate offices to its factories worldwide. “We’ve had employees creating a Google Sheet, sharing it with five team members, and then displaying it on a big screen on the manufacturing floor so everyone can see the project status,” he explains.
Another key process that is being transformed is quality reporting. The quality team has identified that moving large quantities of required documentation from legacy technologies to G Suite can assist with transparency and version control, routing, and approvals. “G Suite enables us to collaborate efficiently and create complex process documents that help us adhere to strict quality control requirements,” Manesh says.
“We need to empower employees to get the information they need, when they need it, on any device. G Suite makes that happen.”
– Manesh Patel, CIO, Sanmina
Gaining a competitive edge
Sanmina continues to achieve solid year-over-year returns on its investment in G Suite, and those returns will grow with increased adoption. “G Suite really is at the heart of our efforts to get people to work in ways that are more efficient and effective,” Manesh says.
For a company with a rich history of innovation and service, the expanded use of G Suite is another way that Sanmina stands out from competitors. “We need employees to be empowered to get the information they need, when they need it, and on any device. G Suite makes that happen.”
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How You Can Collaborate in Real Time to Build Pitch Proposals Overnight
It’s no secret that marketing and sales teams have a love-hate relationship. But there’s one thing that binds them like no other: The pressure of creating pitch decks overnight.
The struggle is real.
Be it for a new marketing campaign or a sales idea, pitch decks need multiple teams in different parts of the world to collaborate towards a single goal—and race with the clock.
That’s why, more often than not, marketing and sales teams watch deadlines fly past and risk losing potential customers, fail to beat the competition, and adversely impact revenue.
But with G Suite, marketing teams can now collaborate in real time, tweak proposals, add missing data, and write and edit the same file—all together. In fact, 74 percent of all time spent in Docs, Sheets, and Slides is on collaborative work—that is, multiple people creating and editing content together. That means they can create pitch decks overnight.
With AI and machine learning powering, and protecting, the G Suite, today’s marketing and sales teams have a smarter, quicker and more secure platform to ensure their ideas get to market faster and also remain within the organization.
That’s probably why companies like Whirlpool, Nielsen, BBVA, and Broadcom are among the many who chose G Suite to move faster, better connect their teams, and advance their competitive edge.

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There’s no doubt that Google Cloud is one of the most recognizable user interfaces in the world—everybody knows how to use it to find the information they need. It has upheld this standard of ease-of-use throughout their entire suite of cloud applications for business.
Simply put, G Suite—Google Cloud’s collaboration and productivity platform—provides an environment where people feel comfortable. Because of this, there is naturally less friction and resistance to adoption.
While moving to the cloud has tremendous benefits, but it’s a big change. Big changes at companies require thoughtful guidance and communication even when the change has as much upside as G Suite.
That’s why Google Cloud gives you plenty of tools, training resources, templates, and examples for quick transition and minimal disruption.
G Suite contains productivity-boosting features like multi-person, real-time collaboration in Google Drive and fast message search in Gmail. Though these apps are top of their class, it’s their seamless integration that really helps business operations shine.
That’s probably why 64% of Fortune 500 companies trust Google Cloud with their data. Download this ebook to find more fascinating numbers around how Google Cloud can help you leverage a comprehensive collaboration platform that gives a competitive edge to your business.
Canva: Democratizing design and collaborating closely with Google Workspace

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Launched in 2013, Canva is a free online design platform with a mission to empower everyone in the world to design. Featuring a simple drag-and-drop user interface and a vast range of templates ranging from presentations, social media graphics, posters, apparel to videos, plus a huge library of fonts, stock photography, illustrations, video footage and audio clips, anyone can take an idea and create something beautiful. The Canva team is located across the globe with offices in the United States, China, the Philippines and Australia.
A long-term user
“To empower our team to undertake deep work, we have a recurring weekly Calendar invitation that keeps an entire day free of meetings across the business.” – Jeff Lai, Internal Infrastructure Specialist, Canva
A business that enables collaboration, innovation, and creativity is a natural fit for Google Workspace, an integrated suite of secure, cloud-native collaboration and productivity applications. Canva is a long-term user of the application suite and Jeff Lai, Internal Infrastructure Specialist, says “being a global business from day one, the company wanted to ensure any technology we used would be able to grow and scale with us.
“Google Workspace certainly met the brief. For example, creating new Google Workspace instances is very easy, you simply connect them to your domain and away you go.”
Canva has 1,850 Google Workspace licenses to cover its approximately 1,200-strong workforce, plus service accounts and shared accounts. The application suite covers the organization’s communication, connectivity and productivity needs, with enough storage to enable the business not to have to pay for supplementary storage services or deploy storage in-house. Canva’s team of designers, developers, marketers, investors and advisers uses Google Workspace for tasks such as scheduling meetings, emailing and chatting to internal and external parties, storing files and tracking activity on spreadsheets.
“Google Workspace is like air and water to us,” says Jeff. “it is part of the natural environment of our workplace.”
Reviewing licensing
With Google Workspace enabling Canva’s global workforce model, the business is exploring ways of further leveraging the features available through the application suite; Jeff reveals Canva is exploring the use of enterprise-class licenses that provide additional reporting and auditing capabilities.
Near-100% availability
“We expect Google Workspace to continue to play a key role in our operations and in supporting an increasingly international workforce.” – Jeff Lai, Internal Infrastructure Specialist, Canva
Supporting a distributed model with an increasing number of employees based outside Australia also requires Canva to use collaboration and productivity tools available 24 hours a day, seven days a week.
Google Workspace applications help the business drive continuous improvement from the bottom up, as well as the top down. Canva uses Forms to capture — in what Jeff describes as ‘no-judgement’ fashion — new ideas, callouts of broken processes, or areas of improvement. These comments and suggestions go directly to founders and senior management for action.
Furthermore, Google Workspace enables Canva to run a continuously productive working environment. “To empower our team to undertake deep work, we have a recurring weekly Calendar invitation that keeps an entire day free of meetings across the business,” says Jeff.
Growth example of ‘new normal’
Canva’s team believes the organization’s accelerated growth is indicative of the ‘new normal’, as more teams realize the need for a more scalable, more collaborative, more affordable and more user-friendly design platform.
Organizations of all sizes are doubling down on building a reliable remote workplace, and are turning to modern productivity and collaboration platforms like Canva to ensure they remain flexible and scalable.
Google Workspace and other Google Cloud products and services also enable Canva to increase the value of its own platform. The business uses Translation API to translate non-English searches into English, allowing it to display appropriate images and other elements.
Furthermore, the Canva editing tool enables users to pull files from Drive to be refined, while the platform also integrates with Google Maps and YouTube to give end users the ability to easily create items such as online brochures with these products integrated into them. Finally, Canva for Education — a tailored product to support student learning — integrates with Google Classroom, helping educators efficiently manage progress and connect with students at school, from home or on the go.
With Google Workspace, Canva is ideally positioned to continue growing its user base and build on the success of a platform that has thousands of templates and fonts, and millions of stock photos, icons and illustrations. Jeff says the business remains focused on the same goal as its founders had right at the start — making design accessible to everyone. “We expect Google Workspace to continue to play a key role in our operations and in supporting an increasingly international workforce,” he says.
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