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How L&T Financial Services Processes 95% of Motorcycle Loans in Less Than Two Minutes
L&T Financial Services is one of the largest lenders in India. India’s demonetization policy in recent years has led to a shift from cash transactions to digital payments. In 2016, the government withdrew 500 and 1000 rupee notes from circulation and encouraged a heavily cash-based population to deposit their canceled notes in banks. Financial institutions needed to pivot to a new way of doing business to stay competitive. L&T Financial Services modernized its IT infrastructure to keep up with changes and capture digital opportunities.
“Working capital is crucial to stimulate growth in rural communities. Our role as a lender is to provide access to funds. We don’t want to burden borrowers with the complexities of getting a loan. Towards this end, digitization is an important step,” says Dinanath Dubhashi, Managing Director and CEO at L&T Financial Services. “Google Cloud helps us streamline service delivery and identify the right customers. By offering the fastest processing time in the industry, we want to be the go-to lender for all customers.”
L&T Financial Services considered multiple cloud providers before choosing Google Cloud. According to Dinanath, Google Cloud understands both the need for businesses to move fast and the need for IT to modernize at different speeds. “We weren’t forced to abandon existing IT systems and migrate lock, stock, and barrel to Google Cloud on day one.”
L&T Financial Services engaged Google Cloud Professional Services to guide its digital transformation journey. The smooth migration from proof of concept to full-scale deployment on Google Cloud took a matter of months.
“Collaboration: a small idea with big opportunities. G Suite helps us connect remote branches with the head office, easily access shared files to submit and track approvals, and conduct face-to-face discussions to accelerate approval processes.”
—Dinanath Dubhashi, MD and CEO, L&T Financial Services
Digitizing the workforce with G Suite
The move to the cloud at L&T Financial Services started in 2017 when the company introduced G Suite to its 14,500 employees. The legacy email system was cumbersome to use, especially for frontline staff who need email access while they are on the road. Using Gmail, employees can connect with customers and co-workers from anywhere, on any device. Employees save time by scheduling meetings with Calendar, collaborating on Docs, and conducting video calls using Hangouts Meet.
Converting data into credit insights using BigQuery
Taking data intelligence one step further, L&T Financial Services adopts a responsible lending approach by applying algorithm-based data analytics to improve credit standards. Beyond traditional data such as credit score and credit payment history, the company also considers macro-economic indicators for risk audits. For example, a farmer’s ability to pay off the loan of his new tractor depends on a successful planting and harvest. So L&T Financial Services feeds long-term data into BigQuery and runs queries to predict loan defaults based on rainfall and crop yield.
Three Benefits of VPC Network Peering for SAP Managed Apps

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Over the past year, RISE with SAP has emerged as a valuable solution for SAP customers seeking a faster, simpler, and more affordable path to the cloud. RISE with SAP is a subscription-based offering that typically includes a number of fully managed cloud application options, including SAP S/4HANA Cloud and elements of the SAP Business Technology Platform. It’s a great way to migrate your business to modern cloud ERP applications, while handing off the implementation and management to SAP and freeing your own IT staff to focus on other projects.
As a strategic partner for RISE with SAP, Google Cloud works closely with SAP to ensure reliable, secure, high-performance connectivity between your SAP managed applications and your other Google Cloud applications and services. Today, we’re focusing on a Google Cloud capability that plays a big part in achieving this goal: VPC network peering. If your company uses Google Cloud to host its RISE with SAP managed applications (or any other SAP-managed offering, such as SAP Enterprise Cloud Services), it’s worth learning more about why VPC network peering is an important capability and how your network admin can implement it.
VPC network peering: The critical link for your SAP managed applications
We recently co-authored a white paper with SAP that goes into technical detail about how VPC network peering works and includes step-by-step configuration instructions. But it is useful to understand, at a higher level, why it matters for RISE with SAP subscribers.
When SAP implements your RISE with SAP managed applications on Google Cloud, it also provisions a virtual private cloud (VPC) — a virtualized network that provides the same functionality, performance, and security benefits as a dedicated physical network — for this SAP environment. In fact, a VPC actually gives you some capabilities that a physical network can’t match, such as the ability to increase IP space without downtime.
Using VPC network peering to connect your SAP managed environment with your Google Cloud applications and services gives you three key benefits:
- Network latency: Traffic that remains inside Google’s network enjoys lower latency than connectivity that uses external addresses.
- Network security: Service owners do not need to have their services exposed to the public internet and deal with its associated risks.
- Network cost: Rather than pay egress bandwidth costs for networks using external IPs to communicate, peered networks can use internal IPs to communicate, saving you money on those egress costs. Regular network pricing still applies to all traffic.
Many customers also appreciate the flexibility they get from VPC network peering: It supports the ability to peer your own VPC networks with other VPC networks that reside in different projects and even in different organizations.
Using VPC network peering to strengthen your SAP security posture
Most Google Cloud customers find VPC network peering most useful to ensure seamless connectivity between their SAP managed applications and the rest of their Google Cloud environment. But some companies also rely on VPC network peering to gain greater control over the security of their cloud environments. This can include:
- Implementing additional network security capabilities, such as advanced firewalls, intrusion detection, and network package inspection, that go above and beyond standard SAP security measures.
- Leveraging Google Cloud Interconnect to link your on-premises and Google Cloud environments, including your RISE with SAP managed applications, without sending traffic across the public internet.
Once your company has configured VPC network peering, things get even more interesting. Google Cloud offers plenty of ways to complement and enhance the value of your SAP applications: using Google BigQuery to consolidate and enrich your SAP application data; relying on Google AI/ML capabilities to sharpen your predictive analytics and real-time decision-making; or leveraging Google Kubernetes Engine to jump-start your own cloud-native application development efforts, among many other examples.
Some of the world’s biggest SAP customers, including The Home Depot, and Cardinal Health, have chosen Google Cloud to migrate their business-critical SAP applications. And we’ve seen how useful VPC network peering can be for SAP customers to unlock the full value and potential of Google Cloud. Be sure to download our white paper so you can get VPC network peering configured for your RISE with SAP managed applications, and discover for yourself just what’s possible when you run SAP applications on Google Cloud.
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Pharma Firm Drives 80% Improvement in Speed with SAP on Google Cloud
FFF Enterprises is a leading supplier of critical-care biopharmaceuticals, plasma products, and vaccines. Their passion for patient safety and product efficacy drives their mission of Helping Healthcare Care.
For FFF Enterprises if they have to focus on ERP infrastructure, that takes away from getting products to patents. Learn why FFF Enterprises chose to deploy SAP on Google Cloud and drove an 80% improvement in speed for their SAP environment at a lower cost.
The Journey ahead for Google Cloud and SAP

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The partnership between Google Cloud and SAP is entering a new chapter. Over the years, our close partnership with SAP and our mutual dedication to customers has inspired us to do some of our most unique and innovative work—such as building Fast Restart and Memory Poisoning Recovery capabilities for S/4HANA workloads, offering real-time access to our advanced machine learning (ML) capabilities, and developing integrations with the industry’s best cloud security and network infrastructure.
With an expanded, strategic partnership, we are capitalizing on one of the cloud’s most valuable benefits: enabling customer choice without driving up cost or complexity. Customers have shared that they appreciate what Google Cloud has done over the years to support their ability to choose—from our support for multi-cloud environments to our track record with open-source technologies like Kubernetes, to name a couple of examples.
“We chose Google Cloud to support our SAP implementation. Our decision had a lot to do with the relationship between Google Cloud and SAP and also for the applications and services that are offered by Google Cloud, like BigQuery, which are helping to enable data and analytics within our organization.”— Sam Moses, Vice President of Corporate Systems, The Home Depot
Now, we’re placing this same emphasis on customer choice, flexibility, and freedom to help SAP customers get greater ROI from their cloud investments in three ways:
- Execute seamless business transformations that deliver all of the benefits of modern, cloud-native applications and services—quickly, economically, and without disrupting day-to-day operations
- Migrate critical business systems to the cloud, in order to lock in OpEx savings and refocus their IT teams on strategic business technology initiatives
- Augment existing business systems with cloud capabilities in AI, ML, and analytics
The cornerstone of our expanded partnership is the RISE with SAP program—a comprehensive set of tools, technology, and expert support for a fast, predictable, cost-effective path to business transformation with SAP in the cloud. RISE is also designed to meet every SAP customer on their own terms, whether they’re undertaking an enterprise-wide cloud migration or pursuing an incremental or hybrid-cloud approach.
To support customers taking advantage of RISE with SAP, Google Cloud will work even more closely with SAP to accelerate customers’ cloud migrations and business process modernization across several key areas. This includes ensuring global availability of multiple SAP services and products—such as SAP Business Technology Platform and SAP HANA Cloud—on Google Cloud’s reliable, scalable infrastructure and high-speed network. Google Cloud is also committed to bringing SAP’s solution for RPA in manufacturing to the Google Cloud Marketplace to support business process modernization.
Additionally, integrating our AI, ML, and analytics capabilities with key SAP solutions will help companies augment their business systems with sophisticated capabilities and technologies so they can draw more value out of the data stored with them.
“We can deliver our 160 key business insights two or three orders of magnitude faster with BigQuery. When you think about our marketing campaigns and month-end finance processes, we’re talking about jobs that used to take five to eight hours to complete that are now running in seconds.”— Dan Semmens, Head of Data and AI, ATB Financial
Join us on the journey ahead
There’s so much more to come from SAP and Google Cloud. Learn more about our commitment to enabling digital transformation and hear more from customers about their SAP on Google Cloud deployments.

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Digital transformation is about how digital technologies can connect people and processes to solve challenges that traditional methodologies could not.
While this transformation is imperative for businesses of all sizes, the Frost & Sullivan Enterprise Cloud Maturity Index (ECMI) assessment indicates that around 85% of CXOs want to digitally transform their enterprises, but only 39% of them have a clear plan to achieve this transformation.
Most business leaders are exploring new business ideas around cloud to extract better outcomes, increase productivity, create opportunities and redefine customer engagement processes as part of their internal strategies.
It has been proved time and again that enterprises need to bank on emerging technologies like cloud that provide ‘do more with less’ approach. Cloud has the potential to transform IT departments through infrastructure consolidation and optimization.
To understand the interest and level of cloud adoption in enterprises, Google Cloud partnered with Frost & Sullivan to recognize the unique business drivers and key challenges in Cloud adoption that come the enterprise way during their business transformation journey.
Read the report to find out the challenges, solutions and benefits of digital transformation and the cloud.
Two Ways to Deploy SAP HANA System on Google Cloud

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Many of the world’s leading companies run on SAP—and deploying it on Google Cloud extends the benefits of SAP even further. Migrating your current SAP S/4HANA deployment to Google Cloud—whether it resides on your company’s on-premises servers or another cloud service—provides your organization with a flexible virtualized architecture that lets you scale your environment to match your workloads, so you pay only for the compute and storage capacity you need at any given moment. Google Cloud includes built-in features, such as Compute Engine live migration and automatic restart, that minimize downtime for infrastructure maintenance. And it allows you to integrate your SAP data with multiple data sources and process it using Google Cloud technology such as BigQuery to drive data analytics.
SAP server-side architecture consists of two layers: the SAP HANA database, and the Netweaver application layer. In this blog post, we’ll look at the options and steps for moving the database layer to Google Cloud as a lift and shift or rehost, a straightforward approach that entails moving your current SAP environment unchanged onto Google Cloud.
Deploying an SAP HANA system on Google Cloud
Google Cloud offers SAP-certified virtual machines (VMs) optimized for SAP products, including SAP HANA and SAP HANA Enterprise Cloud, as well as dedicated servers for SAP HANA for environments greater than 12TB. (For a complete list of VM and hardware options, visit the Certified and Supported SAP HANA Hardware Directory.)
Before proceeding with a rehost migration to Google Cloud, your current (source) environment and Google Cloud (target) environments should meet these specifications:
Prerequisites:
- The configuration of the Google Cloud environment (i.e., VM resources, SSD storage capacity) should be identical to that of the source environment. If the underlying hardware is different, however, you must use Option 2 for your migration, detailed below.
- Both environments should be running the same operating system (SUSE or RHEL Linux).
- The HANA version, instance number, and system ID (SID) should be identical.
- Schema names must remain the same.
- Establishing the network connection between the on-premises environment and Google Cloud will be required in this phase to support rehost of the SAP application.you can use Cloud VPN or Dedicated Interconnect. Learn more about Dedicated Interconnect and Cloud VPN.
Note: Depending on your internet connection and bandwidth requirements, we recommend using a Dedicated Interconnect over Cloud VPN for production environments.
We offer a number of automated processes to accelerate your cloud journey. To deploy the SAP HANA system on Google Cloud, you can use the Google Cloud Deployment manager or Terraform and Ansible scripts available on GitHub with configuration file templates to define your installation. For more details, see the Google Cloud SAP HANA Planning Guide.
Note: To deploy SAP HANA on Google Cloud machine types that are certified by SAP for production, please review the Certification for SAP HANA on Google Cloud page.
Moving an SAP HANA Database to Google Cloud
There are two different options you can use to rehost your SAP HANA database to Google Cloud, and each has pros and cons that you should consider when deciding on your approach.
Option 1: Asynchronous replication uses SAP’s built-in replication tool to provide continuous data replication from the source system (also known as the primary system) to the destination or secondary system—in this case residing on Google Cloud. It’s best for mission-critical applications for which minimum downtime is a high priority, and for large databases. In addition, the high level of automation means that the process requires less manual intervention. Here’s where you can learn more on HANA Asynchronous Replication.
Option 2: Backup and restore relies on SAP’s backup utility to create an image of the database that is then transferred to Google Cloud, where it is restored in the new environment. Downtime for this method varies by database size, so large databases may require more downtime via this method vs. asynchronous replication. It also involves more manual tasks. However, it requires fewer resources to perform, making it an attractive option for less urgent use cases. Here’s where you can learn more on SAP HANA database Backup and restore.

How to migrate the SAP HANA database to Google Cloud using Asynchronous Replication

- Create and configure Dedicated Interconnect or Cloud VPN between the current environment and Google Cloud.
- Set up SAP HANA asynchronous replication. You can configure system replication using SAP HANA Cockpit, SAP HANA Studio, or hdbnsutil. See Setting Up SAP HANA System Replication in the SAP HANA Administration Guide.
- Be sure to use the same instance number and HANA SID in the template as the primary instance.
- Configure the Google Cloud instance as the secondary node for using HANA Asynchronous replication.
- Perform data validation once full data replication is completed to the SAP HANA database in Google Cloud. To learn more: HANA System Replication overview.
- Perform an SAP HANA takeover on your standby database. This switches your active system from the current primary system onto the secondary system on Google Cloud. Once the takeover command runs, the system on Google Cloud becomes the new primary system.To learn more: HANA Takeover.
How to migrate the SAP HANA database to Google Cloud using Backup and Restore

- Create a full backup of your SAP HANA database in your current environment.
- Create a new storage bucket in your Google Cloud environment. Visit Creating Storage Buckets in the Google Cloud Storage documentation.
- Download and install gsutil onto the source environment and run it to upload the HANA backup to the Google Cloud storage bucket. To install gsutil utility on any computer or server, visit Install gsutil in the Google Cloud Storage documentation.
Note: You can run parallel multi thread/multi processing in gsutil to copy large files more quickly. - Recover the HANA database on Google Cloud using SAP’s RECOVER DATABASE statement. See RECOVER DATABASE Statement (Backup and Recovery) in the SAP HANA SQL Reference Guide for SAP HANA Platform.
Note: BackInt agent is an integrated SAP interface tool used for HANA database on Google Cloud.Backint agent for SAP HANA can be used to store and retrieve backups directly from Google Cloud Storage. It is supported and certified by SAP on Google Cloud. To learn more: SAP HANA Backint Agent on Google Cloud.
In summary, we recommend using Asynchronous Replication (Option 1) for mission-critical applications that require the lowest downtime window. For all other applications, we recommend Backup and Restore (Option 2), as this approach requires fewer resources. It’s also a great way to implement the backup and restore functionality on Google Cloud.
A rehost migration is the most straightforward path to getting your SAP on HANA system up and running on Google Cloud. And the sooner you migrate, the sooner you can take advantage of the many benefits Google Cloud brings to your SAP solution. For more information on the different migration options please review: SAP on Google Cloud: Migration strategies.
Learn more about deploying SAP on Google Cloud. Technical resources can be found here.
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