Editor’s note: Today’s post comes from Naohiko Takemura, Head of Engineering, and Kosukex Oya, Engineer, both from Japanese customer experience platform PLAID. The company runs its platform in a multicloud environment through Anthos clusters on AWS and shares more on its experiences and best practices. 

At PLAID, our mission is to maximize the value of people through data, and we are developing a range of products that focus on improving customer experience. Our core product is a customer experience platform, KARTE, that can analyze the behavior and emotions of website visitors and application users, enabling businesses to deliver relevant communications in real time. We make KARTE available as a service to functions such as human resources and industries such as real estate and finance, and run the platform in a multicloud environment to achieve high-speed response and meet availability requirements. This is where Anthos comes in.

We introduced KARTE in 2015 and updated the system configuration in line with the addition of new functions and the need to increase scale. Our multicloud configuration is optimized through Anthos clusters on AWS, which give us access to the capabilities of Google Kubernetes Engine (GKE). 

KARTE runs in two groups of server instances in each cloud; one group runs the management screens used by clients, and the other provides content for visitors to our website. In Google Cloud, the management system runs in GKE and content is delivered through Compute Engine.

We initially developed and operated the core of our services on another provider and from 2016 began to transition to Google Cloud due to its strong data processing capabilities. The products that handled big data, such as Cloud Bigtable and BigQuery, were attractive because they could handle data in real time and were compatible with KARTE. Now most functions, including peripheral aspects, run in Google Cloud, because we thought if we built a system centered on these products, it would become efficient to build other parts on Google Cloud.

While we considered migrating everything to Google Cloud, we decided to leverage its strengths alongside those of our existing provider, AWS. We felt a multicloud approach could create more opportunities and deliver higher growth than a mono-cloud environment.  

We completed our move to a multicloud environment in 2017 and found that by building systems with almost the same content on two cloud services to leverage the strengths of each, we could reduce costs and improve performance and availability.

However, as KARTE grew, and the content of the service increased in complexity, we began to experience new problems. The increased load on the system due to an influx of in-house engineers from 2018 onwards impacted the scalability and development speeds of our  conventional monolithic architecture running in virtual machines. We opted for an approach based on microservices and containerization, excluding the components that enabled real-time analysis as these had been modernized since initially being deployed in 2016, and the management screens, as the infrastructure running these did not require crisp tuning. Our key priority was to improve the ability of our engineers to deliver quickly.

From 2019, we turned to promoting microservices that make full use of container technology. When deciding to move from a target built on virtual machines to containerization, we evaluated the ease of use of GKE and decided to build in Google Cloud. At the same time, the number of systems with strict service level obligations was increasing, so to ensure higher availability, we considered running these in a multi cloud environment. The announcement of Anthos clusters on AWS at Google Cloud Next ‘19 in San Francisco provided an answer.

We had been wondering how to achieve the equivalent smooth operation of GKE in our AWS environment, and welcomed the Anthos clusters on AWS announcement. We consulted with a Google Cloud customer engineer through an early access program and quickly gained an opportunity to work with this version of Anthos. This allowed us to provide feedback and requests for improvement, and this paved the way for us to implement the product to take advantage of its functionality and future enhancements. With Google Cloud, we have been able to continue to interact closely with the development team to understand and provide input into the product roadmap.

We are now realizing the benefits of multicloud, including faster development speeds and higher availability. For businesses in general, we recommend they take a thoughtful approach to multicloud—while for us, multicloud is a useful mechanism that enables us to provide large-scale data analysis in real time, other businesses should consider whether multicloud is right for them and if so, the role of a technology like Anthos. They should also start small before ramping up.  Moving forward, we are keen to see what other products Google Cloud is creating that can help drive our business to a higher level.

Founded in 1930 and headquartered in Jordan, Arab Bank is one of the oldest banks in the Middle East. Operating out of 28 countries, we’ve earned our customers’ trust with a prudent approach to operations and respect for the cultures and customs in the region. 

With a few exceptions where cloud providers have hosted their datacenter in a Middle Eastern or North African country, the banking sector, in general, in the region has been slow to adopt cloud technology for a number of reasons, including concern about data security, maturity and security controls of cloud services (PaaS and SaaS), and regulations in place. But on the other hand, we saw the opportunity to accelerate our development and testing using the cloud, as well as to partner with the fintech community and digital service providers to integrate their solution in the banking ecosystem. We needed more flexibility to connect with the outside world, and a more open architecture to help us drive our internal innovation at a faster rate with the help of the fintech industry. By collaborating with Google Cloud, we reached those goals and accelerated app development and testing through products like Apigee and Anthos. We’re now offering innovative apps and services to our customers and employees that leverage new technological capabilities to give more agility and flexibility, and to optimize our workloads.

Embracing the cloud in a regulated industry 

To get started with the cloud, we needed to create internal awareness about cloud technology, the API layer, containers and their benefits amongst our leaders and staff. Google helped us educate and get buy-in from key functions by organizing open technology demonstration sessions and discussion panels. When considering potential cloud providers we had four decision criteria: maturity of security controls, ease of use, cost, and scalability / agility for new deployments and continuous innovation. This last factor was critical, and we were impressed by Google Cloud’s innovation roadmap, both via direct conversations and at Google’s Next conference, where we met a lot of people passionate about technology, innovation and building something new.  

Going back to our journey, given the above-mentioned regional limitations, we started to develop a hybrid cloud approach. This helped us continue to operate on-premises for a number of services in production, particularly those that have personally identifiable information (PII) or other sensitive data attached, and to leverage the cloud for development, testing and production workloads that don’t contain customer data. 

In the short term, we didn’t anticipate that our many jurisdictions would allow data to be transported to other countries. But cloud tools will allow us to tokenize or anonymize customer data while maintaining customer data on-premises. This applies to many digital journeys such as customer onboarding, credit facility online applications, or marketplace navigation. In the coming years, we predict our API integration with partners will accelerate and enrich the overall digital value proposition of our business segments, namely consumer banking, small and medium-size businesses and large corporate and institutional clients. 

Building connections and cornerstones in the cloud

The first move in our digital transformation was to implement Apigee, Google Cloud’s API management platform, to connect to the world’s digital banking ecosystem. Apigee provides the security, sharing, mediation policies, and developer portal capabilities for us to successfully meet Open Banking standards while focusing on innovation.  

On the back of the Apigee implementation, we created an accelerator program to incubate Fintech ideas that can, in turn, integrate into our digital platforms and be offered to our customers. We also developed various banking APIs, all designed and documented in accordance with PSD2 and Open Banking regulations, and made them available to our partners. These APIs exposed on our API development portal offer the needed code structure for fintech companies to design creative solutions around them.

Next, we adopted Anthos, Google Cloud’s managed application platform. Anthos has become a cornerstone of our operations because it works across hybrid cloud, offering integration of microservice containers and fueling collaborative opportunities with external parties. Our current Anthos infrastructure includes several hundreds of  microservices now running on containers in Google Kubernetes Engine (GKE) and on-premises. We now use the cloud for collaboration, development and testing, but not for production, which is done on-premises. 

Along the way, Google Cloud’s Professional Services Organization (PSO) helped us through the entire cloud setup process, and with the adoption of Anthos. We originally built on the cloud tools through an iterative process, learning from our successes and errors along the way. Now that we have a better sense of how Anthos operates, we’re building a fresh infrastructure atop a sound, stable, and resilient foundation that will let us scale easily as we work to transform Arab Bank into a digital-first enterprise, that is our ambition. 

Currently products running on Anthos include customer acquisition and onboarding via mobile apps, and our Arabi-Pay app, which allows customers to instantly pay each other via WhatsApp or other messaging platforms. Leveraging Anthos, our instant loan service for Arab Bank salaried employees can grant and disburse loans up to $7,000 in less than seven minutes.

In addition, we’ve built a number of digital journeys for our Small and Medium Enterprise (SME) customers, such as our SME client digital onboarding process and paperless SME lending platform.

While some may think that digital adoption in this part of the world can be slow, as customer contact remains anchored in our customs, the recent COVID-19 pandemic has accelerated the adoption of digital banking services and electronic payments, inspiring more confidence to buy and pay online. Thanks to our rich and user-friendly banking app that relies on Apigee and Anthos for critical customer journeys, over 90% of new-to-bank customers are using our mobile apps. Within the next 18 months, we predict that number will be closer to 100%. 

Of course, with higher customer adoption comes the challenge of potential service interruptions. A single moment of downtime can be highly visible to many digital customers. But Google Cloud’s Anthos and Apigee give us the flexibility to resume processes at a fast rate, so any interruptions are almost invisible to our customers. In fact, when the COVID-19 pandemic hit, though our branches could be open only for limited hours each day, our consumer clients in particular were able to take advantage of our digital services in a very self-sufficient manner. Being well positioned with Google Cloud, we could also keep our internal teams and external partners connected and productive. Without Google Cloud, continuing the digital transformation of the bank at the pace we wanted would have been a big challenge. 

Collaborating across borders and time zones

With Google Cloud, our ability to collaborate and partner has transformed significantly. We operate 24/7 now because our developers are scattered across multiple geographies and different time zones. Because testing and deployment can run around the clock, including on weekends, we currently deploy a new digital journey in a few weeks, faster than ever before. This has given our organization a spirited mindset that prioritizes innovation, and raised the bar in terms of our operating model.  

Another consideration about Google Cloud tools is the elimination of inefficient processes typically seen in a software development lifecycle. We now build in a completely agile manner, from design squads until deployment in production. Compared to where we were two years ago, when we had an annual maximum of two systems releases in production, we now have close to monthly releases of our digital packages. In addition, we also  supplement those monthly releases with additional ad-hoc releases and fixes in between. As a result, we have removed internal silos and improved tremendously the collaboration between the product and sales teams, operations, IT Dev Factory and Infrastructure, as well as our supporting functions.

Through the agile process facilitated by APIs, we introduced Design Thinking workshops involving external customers and prospects early on to understand their true pain points better and emotions during the existing journeys and how to make new digital journeys frictionless. As a result, the relevance of our products for various customer personas has improved tremendously. 

Transcending banking 

With Google Cloud, we can offer our customers so much more than just banking. We’ve become more digitally relevant to their lives. For example, we recently launched a mortgage app that helps customers all the way from home selection through mortgage negotiations and closing, and even to getting the home decorated. It’s an end-to-end journey in which API integration with key regional players was a cornerstone to our success. 

For other digital products, we have an extensive roadmap of lifestyle-based solutions relevant to each segment and age group. We’ve only scratched the surface of the services we can provide, and we see the cloud as the future for everything we want to do.

Read more about Google Cloud’s Open Banking solution to learn how you can simplify and accelerate the process of delivering open banking as required by PSD2. You can also view our video on Open Banking, powered by Apigee API Management.

Editor’s note: Today we hear from the Lowe’s SRE team. They share about how they have been able to increase the number of releases they can support by adopting Google’s Site Reliability Engineering (SRE) framework and leveraging their partnership with Google Cloud. 

At Lowe’s, we’ve made significant progress in our multiyear technology transformation. To modernize our systems and build new capabilities for our customers and associates, we leverage Google’s SRE framework and Google Cloud, which helps us meet their needs faster and more effectively. With these efforts, we’ve been able to go from one release every two weeks to 20+ releases daily—about 20X more releases per month. 

Our SRE transformation didn’t happen overnight, though. Every step along the way brought some challenges. But looking back, we are excited to see how much we have accomplished for our customers as a result. 

Back in 2018, before adopting SRE practices, we were more reactive than proactive, following an “eyes on glass” approach. On-call structures and incident management efficiency were not at optimal levels with too many repetitive and manual tasks, resulting in operational toil. Production concerns were not surfaced into the product roadmap, which resulted in delays in making fixes.

Bootstrapping SRE at Lowe’s

As we moved from on-prem to Google Cloud, we decided to move from a monolithic- to microservices-based architecture. And to better manage this new architecture, we embarked on an SRE journey. 

Then as COVID-19 hit, we really had to accelerate this journey as customers increasingly moved to online ordering and delivery to meet their Total Home Improvement needs. To do so, we followed four key principles that allowed us to meet changing customer needs quickly and release fast and reliably.

1. Automate away toil 
   As we moved from traditional Ops to an SRE ecosystem, our biggest opportunity was reducing toil, so that engineers can spend time on activities that drive business impact and customer outcomes. We think of toil as work that is manual, repetitive,  tactical, devoid of enduring value—but automatable. So, to tackle toil, we focused on automating away the need for manual intervention. As an example, we made sure engineers were not the first point of contact for any alert. Any triage or resolution that an engineer can perform, a machine can be trained to do the same. We used supervised and unsupervised learning techniques to automate our toil. With a long-term goal of “no toil,” our SREs work on identifying and reducing toil to a manageable level across the organization.
2. Engineer alignment through roadmaps
   Our goal is to maximize the engineering velocity of developer teams while keeping products reliable. We want an engagement model where product, SRE and development teams are closely aligned. A key way we’ve been able to create this alignment is by having our SREs embedded into domain and product teams. Each domain has an SRE, who is  involved at the beginning stages of product development to ensure that the domain stakeholders are in alignment with the SRE initiatives. As such, SREs are able to improve the reliability, performance, scalability and launch velocity of the services throughout all phases of the service lifecycle. 
3. Adopt one-touch releases
   Our path to production used to contain many manual steps and validations, slowing the rate at which we released features. Additionally, we used to bulk all our releases together to deploy at once, which increased the risk of failure and created a longer feedback loop from production. To tackle this with an SRE mindset, we created a one-touch release process in which SREs review the product team’s pull requests. When approved, this triggers a DevSecOps pipeline that deploys the approved changes to production securely. This process created a safe, reliable and sustainable continuous delivery pipeline with quick feedback loops. Striking the right balance between speed, innovation and stability, we were able to increase our releases exponentially for the year, taking less than 30 minutes per release to deliver quality code, including various automated quality checks and processes, all in just one click. 
4. Embrace capacity planning
   To ensure our services have enough spare capacity to handle any surge in traffic patterns, our SREs emphasize capacity planning, making recommended capacity changes in the continuous delivery (CD) pipeline. They constantly monitor performance to make sure the service is robust, stable and available. And when there’s a sudden surge beyond the forecasted volume, SREs change the capacity on demand and document changes for the performance and domain teams. 

Capacity planning is especially important for us during peak holiday times such as Black Friday and Cyber Monday (BFCM). We lay out our SRE stability plan three months in advance and surface into the domain team’s product roadmap. This way development teams are able to allocate sufficient engineering time to reliability. We do performance testing to ensure the environment is able to sustain increased load over long periods of time and also handle sudden surges in traffic. We also do region failover testing at a global scale to validate the automatic failover duration of service level agreements  (SLAs), SRE and domain readiness. Additionally, we conduct Black Friday and Cyber Monday-specific destructive testing to validate customer experience, reliability and more.

Google Cloud’s Black Friday and Cyber Monday white-glove service played a key role in ensuring our success in both BFCM 2019 and BFCM 2020. This service included on-site visits from Google’s Customer Reliability Engineering (CRE) team who reviewed Lowe’s web architecture, capacity planning, operations practices for event risks, and presented workshops on topics such as incident response best practices. 

Looking ahead

There is always room for improvement, and at Lowe’s we aim to continuously improve our SRE practices. One thing that has worked well for us, which we plan to continue, has been our road shows, where senior SRE leads present to other SREs and application domain teams on the latest SRE principles and best practices, and to get input in real-time from them. 

Google’s tools and methodology have played an instrumental role in helping reshape our SRE practices and better serve our customers. We look forward to building on the momentum and partnership as we continue our SRE journey at Lowe’s. 

If you want to learn more about how to adopt SRE best practices on Google Cloud, check out our documentation. If you want to learn more about Google SRE, visit our website. Stay tuned for the next blogs with Lowe’s discussing how they trained their engineering talent to adopt SRE practices and tooling, and how they improved MTTR using SRE principles.

Chances are, when you think of Experian you think of a traditional credit bureau that provides credit reports. But Experian has transformed into a true technology and software provider. We gather, analyze, and process data in ways that other companies just can’t. Businesses use this data to make smarter decisions about credit and lending, as well as to prevent identity fraud and crime. We’re also able to use this data to help individuals take financial control of their own lives and access all kinds of financial services with products like Experian Boost.

Transforming data delivery, transforming the enterprise
A big part of our digital transformation has been based on our API program. We approached APIs with a concrete goal in mind. We knew exactly how we wanted to transform the business, and we had a set plan to achieve that. For us, this meant establishing an API center of excellence as a first step. It’s sole purpose was to enable the business units to create their APIs quickly and correctly, then apply them properly. We then went out to the business units one by one so that we could train them to build their APIs in a customer-friendly way. We taught them the entire API process of building, giving access to developers internally and externally.

This approach is fundamentally different from previous ones. As far back as the 1990s, our customers connected to us via software applications installed on their systems. As technologies evolved, our services to customers evolved, and we began supporting XML-based transactions and custom integrations with our partners. Some of these integrations actually included VPNs rather than going through HTTP connections. We did custom database schemas, one-off processes, and all kinds of custom development. 

This meant that we had a team just for our IT system processes. This team kept growing as Experian continued to acquire new companies. Each acquisition brought a new way of doing integrations and business. We had a real challenge in standardizing development practices, which led to a lot of isolated environments inside the company. We had disparate data repositories and non-standard client conductivity, which hampered innovation.

Responding to customer demand for APIs
When we first started, we had some concrete goals. We wanted to grow our ecosystem, develop a massive reach for transaction and content distribution, power a new business model, and drive innovation. Basically, we wanted to use APIs to transform our business into a platform, and we wanted to build an ecosystem that leveraged this API platform to develop new solutions. 

Our leadership also understood the importance of delivering information to our customers in the way they wanted to consume it. Our customers had told us that they didn’t want software, they just wanted access to the data—and APIs are the easiest, most secure way to grant that access. 

The Apigee API management platform as an enterprise solution
We knew we needed an API management platform to enable this step forward. In addition to the documentation and discoverability, we also wanted a place to create APIs fast, and where we could get visibility into usage and other metrics. The Apigee API management platform from Google Cloud offered all of this, and more. From the robust feature set to advanced security to the developer portal to analytics – Apigee provides us everything we need to run an enterprise-class API program.

Now that we have our API program up and running, integrations no longer take months. In some cases, it’s just a matter of minutes or seconds. Customers can simply look at our documentation on how to invoke APIs and begin consuming data in seconds. We started with this new model in our three largest markets: North America, the United Kingdom and Brazil. Later, we rolled it out to Singapore and Australia, while deploying an on-premises platform for some of our North American business units that needed to provide their APIs internally only. Next, we went to EMEA. At this point, we’ve deployed Apigee company-wide, giving us a flexible deployment model that maintains a centralized platform and processes.

We continue to evangelize the program today, and we recently conducted a workshop with the Apigee team to train our EMEA business unit and get them onboarded to the platform. They were able to start developing API proxies right away, and they’re set to go into production with as many as nine of them. We also went live with three developer portals, which we call API hubs, in North America, the United Kingdom, and Brazil. 

As we expand, we don’t want to keep building up different developer portals for each region because then we’re going to have too many. Alternatively, we plan to combine them into a single global developer portal that will allow users to select geographies of interest where they’ll be presented with relevant information.

Experian continues to evolve the types of products and services we offer. Thanks to Apigee, we have the flexibility, security, and technology to keep innovating and providing value to our business and our customers.