Vinayak Bhavnani, Co-Founder and CTO of India-based bus transport technology company Chalo, shares how Google Maps Platform is used to improve visibility for commuters and bus operators across India by visualizing geospatial data.

Effective public transport networks contribute to the local economy and help make cities safe, pleasant, and sustainable. In India, buses make up around 90% of the public transport offering, but when you talk to the people who ride them every day, you find that there’s a lot of room for improvement. Heavy traffic means there are rarely any fixed schedules and it’s impossible to know exactly when your bus is coming. We’ve found that people tend to wait at a bus stop for up to 30 minutes a day, which creates a lot of frustration and wasted time.

When we founded Chalo, our aim was to make the daily city commute a more positive experience. Reliability is synonymous with visibility: when you know exactly when the bus is coming, you can plan your day better. If you’re in your office, for example, and see the next bus is in 10 minutes, you can be at the stop at the exact time it arrives, instead of waiting around. To enable this, we base our solutions on richly-detailed geospatial data provided by Google Maps Platform.

Eliminating wait times and increasing revenue with geospatial data

In India, bus passengers tend to have fewer resources. The Chalo App, which can be downloaded for free, allows them to see exactly where their bus is on its route and when it will arrive at their nearest stop. They also tend to be late adopters of mobile technology, meaning we had to create an interface that was user-friendly, reassuring and adapted to all age groups and backgrounds. One of the main reasons we opted for Google Maps Platform is that it’s very present in India and other emerging markets and is familiar to our users, which inspires trust. At the same time, we like the fact that Google Maps Platform provides rich geospatial data while being simple to implement and work with. We use the Geocoding API, Reverse Geocoding, and the Directions API to enable location search and provide directions.

We also worked with MediaAgility to identify the Google Maps Platform products most suited to our needs and the best practices to be followed. This helped to ensure that our business objectives could be met efficiently.

The Chalo App also enables digital ticketing, alongside the Chalo Card, a payment card for those who don’t own a smartphone. India, like the rest of the world, is gradually moving away from cash payments, but the public transport system is proving slow to catch up, meaning people still must have cash in hand when they board the bus. Digital ticketing not only makes commuting more convenient, it also helps protect passengers, drivers and conductors during the COVID-19 health crisis by limiting physical contact. 

Chalo also offers solutions aimed at bus operators that help them improve their services and their bottom line. In major Indian cities, buses are run by a combination of public and private agencies and small private individual bus operators, with the majority of the latter only operating one or two buses. The market is very fragmented and there’s not much incentive for bus operators to invest in infrastructure or customer experience – especially when they have little to no visibility on where their fleet is at a given time, how many kilometers it travels in a day, or how much money it takes. 

The Chalo dashboard provides operators with a map-based real-time overview of bus locations, alongside scheduling features and route, ticketing, and passenger statistics. Geospatial intelligence and insight into passenger demand enable operators to explore new avenues of revenue and adapt routes and services to passenger needs. Operators who’ve partnered with Chalo report an average improvement of 10% to 30% of their bus fleet operations.

Chalo is currently powering about 100 million rides a month on 15,000 buses in 37 cities. We’d like to see the number of rides increase tenfold over the next few years. To do that, we’re looking to broaden our offer and expand to other parts of the country and across international borders. A pilot is underway in Bangkok, and we’re considering expansion into South-East Asia, Africa, and the Middle East. Having access to detailed geospatial data anywhere in the world via Google Maps Platform, without having to make any major investments or changes to our technology stack, will make this considerably easier. 

At the same time, we’re exploring artificial intelligence and machine learning to improve the accuracy of our scheduling features and we’re introducing video-based solutions for people-counting on buses. Our aim is to continually improve our offering and optimize our services. We’re looking forward to working closely with Google to make that happen.  

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

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:

1. Receives document processing request from the client.
2. API Function directs requests to the pre-processing service. For Async requests a processing ID is generated and returned to the caller.
3. 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. 
4. If the response is synchronous, the pre-processing service directs it to the LDAI Invoker service. 
   1. If the response is asynchronous, the pre-processing service feeds it into the Cloud Pub/Sub service.
5. Cloud Pub/Sub service feeds the response back to the LDAI Invoker service.
6. LDAI Invoker service routes the request to the Google LDAI API for classification if there are multiple pages in the document.
7. Document will be split based on LDAI response and then saved in a GCS bucket for temporary storage.
8. LDAI entity interface for single page processing and then LDAI Invoker sends LDAI results to LDAI Response Processing
9. 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.
   1. If the request is an asynchronous request the LDAI Response Processor will respond to the caller’s webhook and complete the transaction.
10. 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.

Google Workspace recently commissioned Economist Impact to complete a global survey (October 2021)* on the state of hybrid work, including its challenges and opportunities. We already knew that the pandemic had fundamentally changed the world of work, but the survey emphasizes the scale, reach, and longevity of those changes.. 

Over 75% of respondents believe that hybrid/flexible work will be a standard practice within their organizations in the coming three years. Given that 70% of respondents said they never worked remotely before the pandemic, it’s clear that hybrid has become the dominant model for work and that it’s here to stay. 

But it’s also clear, as we’ll see below, that hybrid has some serious gaps that need to be addressed if it’s going to be sustainable and successful in the long term.

Defining hybrid work

As part of our work on the hybrid work survey and a broader project with The Economist Group, we interviewed a group of experts across research, consulting, business, and the advocacy world to arrive at a definition of hybrid work that captures all ways work is changing.

As Brian Kropp, one of the interviewees and vice president at Gartner, puts it: “Hybrid work is not just about different locations, but also different timings and different schedules.”

Harriet Molyneaux, managing director at HSM Advisory, a future-of-work research and advisory group, adds to this notion by describing the time-location work spectrum: “At one end of the spectrum is everyone in the office, nine till five, so both restricted time and location. And then at the other end of the spectrum is anywhere around the world at any time. So no restricted time or location. A hybrid is anything that sits in the middle of that.”

I agree with Brian and Harriet’s views. Flexibility in both location and hours is a core part of our working definition of hybrid work: a spectrum of flexible work arrangements in which an employee’s work location and/or hours are not strictly standardized.

Given this definition and framework, how is hybrid work faring and what lies ahead? 

Individual wellbeing is coming at the cost of organizational connection

Early on in the pandemic, productivity remained steady or even increased for many organizations. But it came at a cost, with levels of burnout spiking as employees juggled caregiving, homeschooling, and other demands in their personal lives with work responsibilities.

Based on the survey data, wellbeing has made an upward shift, no doubt aided by things like students returning to schools in many regions and fewer demands being made of working parents. The majority of respondents said that hybrid work, based on their own experiences, can have a positive impact on the physical, mental, financial, and social wellbeing of employees.

But it appears that individual wellbeing is coming at the cost of organizational connection. The majority of respondents said they feel disconnected from their organization and co-workers (57%), that limited networking opportunities negatively impact career growth (62%), and that limited social interactions with co-workers has had a negative impact on their mental health (54%).

To be sustainable, hybrid work models must address this sense of disconnection in real and tangible ways. And it won’t happen just by increasing the number of virtual meetings. Although 72% of people say that virtual meetings improve inclusion and participation, 68% also say there are too many virtual meetings to begin with. We need new ways for people to connect spontaneously.

Hybrid workers are often using tools built for a bygone desktop era

When asked about the most important conditions needed to achieve the long-term success of hybrid work models, the number one choice globally was “new technologies that allow for time and location flexibility.” 

Naturally, it was gratifying to see this, since Google Workspace is built on a cloud-based platform that empowers collaboration from anywhere, on any device, but the survey answer also highlights how much organizations have had to scramble to meet the demands of the pandemic. Some had to take legacy, office-centric systems and make them work for a distributed workforce overnight, often leveraging less-than-ideal technologies like VPNs that introduce digital friction.

As a result, top technology concerns of respondents include:

• unreliable internet access (if only all our WiFi connections were hybrid-ready!)
• reliance on slow or outdated tools
• accessing and maintaining files in multiple places
• relying on too many applications in order to get work done

Hybrid work, it seems to me, doesn’t need more applications and collaboration surfaces. It needs deeper, more meaningful connections in the tools and surfaces we already have. 

As organizations assess their tech stacks, they should consider whether they can shape the behaviors they want from hybrid employees (e.g., real-time collaboration, ease of information sharing) with the tools they have in place. Or are the limits of the technology determining hybrid employee behavior?

The management and culture gap

In the same way that tools have often been built for a shared physical workspace, organizational culture seems to lag behind the hybrid moment. The majority of respondents said that a lack of face-to-face supervision creates a sense of distrust among managers and employees, and that they feel stressed by increased monitoring associated with flexible work. And more than 62% said that limited networking opportunities with senior employees and co-workers has a negative impact on career growth.

Strikingly, more than 70% of respondents indicated that the culture of trust between managers and employees needed improvement. Training and management best practices (60% of people want more of both) might help fill some of the gaps, but a manager can’t build trust with their hybrid teams by going through a training program. 

The role of manager must itself evolve to meet the demands of a hybrid model. How can we empower managers to be the bridge between the “office of one” and the “office of many”? And as I discussed previously on Forbes, driving towards impact rather than output is a more sustainable metric for team engagement and productivity. It also dispenses with monitoring as a core part of a manager’s role, freeing them up to be a coach-and-connector.

How Google Workspace can help bridge the hybrid work gaps

No one has all the answers for how to make hybrid work successful, and I suspect we will see iterations of the model into 2022 and beyond as organizations—including Google—experiment with the right mix of location, culture, processes, and tools. 

On the technology front, Google Workspace is uniquely positioned to bridge many of the emerging hybrid work gaps. Over the last year, we’ve delivered a set of innovations that are designed to deepen collaboration experiences while strengthening social connections within and across teams. 

For example, we launched smart canvas to bring new collaboration capabilities to the places where people are already working together, helping to keep them connected, rather than having them switch tabs or open new apps. And we delivered Spaces as a central place for collaboration, where teams can share ideas, work on documents together, and manage tasks from a single place. Because all their work is preserved for future reference, team members can easily jump in and contribute at a time that works best for them, seeing a full history of the conversations, context, and content along the way. Spaces helps people maintain individual wellbeing while preserving the health of a group project.

In Google Meet, we’ve introduced real-time captions in multiple languages (in preview now), the ability for people to customize their video tiles, including being able to turn off their own to help with meeting fatigue, and we’ve implemented automatic light adjustments and noise cancellation. These changes help ensure that everyone can be seen and heard.

Meanwhile, features like hand-raise, Q&A, and polls have helped make meetings more inclusive and companion mode (in preview) can bring these to life in hybrid settings, to help ensure that there’s one cohesive conversation between the people in the office and their colleagues working somewhere else. We view companion mode as a bridge between the office and “somewhere else.”

On the personal wellbeing front, we launched Focus Time, which lets people block out their calendars for uninterrupted focus work, and Time Insights in Google Calendar, where employees can look at how they’re spending their time and adjust as needed.

As hybrid work continues to evolve, Google Workspace is committed to supporting wellbeing and seamless collaboration with tools that can remove digital friction and help people maintain connections—to each other and the organizations they work for.

^{*Survey details: The survey, completed in October 2021, polled a total of 1,244 employees and managers in four regions (North America, Europe, APAC, and Latin America), from more than 15 industries, in every age group, and from both small and large organizations. The focus was on knowledge workers, though it’s important to note that some of those people have been working on the frontlines; 20% of respondents indicated they haven’t worked remotely at all during the pandemic. This includes people in hospitality, retail, transportation and logistics, and healthcare.}

Security and the way we’ve been able to advance user protections over the years is hands down one of my favorite topics when it comes to Chrome. I’ve been on the Chrome team for over 14 years and have seen the browser evolve to become a critical tool that helps people get work done at home or in the office. At the same time, Chrome is often the best line of defense to protect users against malicious software on the internet.

Now more than ever, security has to be top of mind for IT and security teams. Cybercrime is up 600% due to the COVID-19 pandemic, and remote work has increased the average cost of a data breach by $137,000. Those numbers are staggering. And IT teams need to make sure every piece of their tech stack helps support their security needs.

Chrome has worked for years to quickly mitigate risks, block malicious sites and content, and proactively improve web security to keep your users and corporate data safe, pioneering new layered defenses like sandboxing and site isolation. When we think of security and Chrome, we believe it takes multiple elements of security coming together to give organizations the best protection possible.

Security you don’t have to think about: Chrome has many built in protections in place by default that benefit all users. This includes our team’s work to minimize zero days and roll out fixes quickly. With auto updates enabled, Chrome offers enterprises fast and automatic fixes for zero day vulnerabilities. The Chrome security team recently published a post explaining the state of in-wild-bugs that’s worth a read. More examples of the defense-in-depth Chrome offers include capabilities like site isolation and sandboxing that keep malicious code from affecting other visited sites or impacting user machines. Our scanning infrastructure helps us detect and remove harmful extensions from the Chrome Web Store (in fact, last year we saw an almost 90% drop in malware) to prevent your end users from getting infected with malicious extensions. These are protections built directly into Chrome that automatically keep your users and organization safe.

Protections for Chrome users: We provide additional layers of protection that keep your end users safe while they’re on the web and give them helpful information whenever there are potential security risks. For example, Safe Browsing, offered natively in Chrome, helps protect devices by showing warnings to users when they attempt to navigate to dangerous sites or download malicious files. We also give users insights into the safety of their passwords, letting them know if their passwords have been compromised, or even prompting them to change their corporate password if they try to re-use it against company policies. You users are working hard to get things done, and Chrome’s layered security supports their workflows while helping them stay safe on the web.

Enterprise Controls: Every organization has unique security needs. That’s why Chrome provides enterprises with advanced safeguards and granular policy management to help meet those security goals. With hundreds of policy options, admins can use a variety of management tools, including Chrome Browser Cloud Management, to customize the browser. Chrome Browser Cloud Management goes even further, providing powerful enterprise extension management, a security priority for many organizations. Our extension request workflow allows end users to request extensions and admins to allow or deny extension requests. We also recently released extension pinning that allows admins to pin to specific versions of extensions to support any internal security review processes.

Visibility and reporting is another focus area to support IT teams. Through Chrome Browser Cloud Management, administrators can get more insight into their browser environment. This data can help IT teams make security decisions, better understand the devices running Chrome and investigate if issues arise.

Zero trust security: Finally, Chrome can help modernize an enterprise’s security strategy by migrating to Zero Trust access models. BeyondCorp Enterprise helps secure endpoints by directly integrating Threat and Data Protection in Chrome. This protects against intentional or accidental data loss and prevents malware and phishing in real-time. Additionally, Chrome and BeyondCorp Enterprise provide device trust and endpoint security signals directly from the browser, significantly easing deployment of zero-trust in your environment. In 2022, we plan to partner with leading players in the cybersecurity and zero trust space to add additional integrations.

For security recommendations, check out the new Chrome 2.1 CIS Benchmark that covers independent recommendations on which Chrome policies to configure to help support organizations’ security and compliance needs.