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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.
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FFF Enterprises See 80% Improvements in Speed at Lower Cost by Moving SAP Data to Google Cloud
FFF Enterprises, a pharmaceutical distributor of lifesaving biopharma products, vaccines and plasma products deployed SAP on Google Cloud to leverage its ability to scale server demands, reduce costs and improve speed and performance. Learn how the migration helps FFF empower healthcare to care!
Workspace powers business as usual for Optiva during COVID-19

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Established companies in any industry, including telecommunications, often take a cautious approach when it comes to adopting new technology. This is true of any technology and especially of tools used across entire organizations and at all levels—like collaboration and communication tools. I joined Optiva Inc. as its Chief Marketing Officer in August 2018, and right off the bat I faced the need for cloud-based productivity and collaboration tools like Google Workspace (formerly G Suite), which was new to me.
Optiva was in the midst of making an organization-wide change to implement Google Workspace productivity and collaboration tools. Employees at that time—at Optiva and across other organizations I used to work with—primarily collaborated by attaching documents to company emails and meeting their colleagues in office corridors. Meetings were almost always in person or via phone. These processes were inefficient and contributed to version-control confusion and decreased overall productivity. They were also based on our pre-COVID world.
Today, Optiva is a fully remote-first organization, and our employees use all the tools in Google Workspace. Collaboration has increased dramatically, surprising even initial skeptics. Occasionally we still encounter resistance from new employees who are used to a different way of working. This is logical, but more often than not, they thank us later, and many have told me that they see the value for their productivity and the entire organization’s collaboration.
Google Workspace has become a real advantage, especially for a global company like Optiva with employees across the world and in so many different time zones. Instead of waiting for team members’ availability to review or collaborate on a document, wasting time coordinating who works on the latest version, or who is the “owner” of a deck, employees can open a document, view new changes, and add updates, even when others are working on the same document in parallel.
Google Workspace promotes business as usual during COVID-19
The combination of Optiva’s remote-first policy and Google Workspace collaboration tools proved a welcome addition during the challenges posed by COVID-19. Optiva was ahead of the curve of remote working policies in the telecommunications industry and in the software industry as a whole, so when the work-at-home orders went into effect in March last year, Optiva’s business charged ahead without missing a beat.
Google Meet has helped us maintain a strong corporate culture during this challenging time. For example, we constantly use video conferencing, which has been a great way to see the entire team and get a real sense for how each employee is doing—professionally as well as personally. Using Google Chat allowed us to keep in touch with everyone across our global teams. It helps us ensure that everyone feels secure and can work during this challenging time. Also, we have continued to create new teams with employees all around the world. If we attempted to onboard or train them using conference calls or emails, the experience wouldn’t be the same. Meet has helped us develop the strongest teams possible, faster, and much more effectively.
We also use Google Workspace tools to cross-train employees on tasks and processes in departments outside their own. That way, if one of our employees has to be out of the office unexpectedly, the company benefits from full business continuity. To make this possible, various teams and departments documented their specific processes, held training sessions on Meet, and recorded them so any employee could access them on demand.
Many struggled in the early days of the self-quarantine orders, especially when it came to the sudden need to select and deploy new technologies for remote collaboration and, more importantly, to keep supporting their customers. We were fortunate that our business was unphased—and we owe a lot of this success to Google Workspace.
What Are India’s Biggest Companies Doing on Google Cloud?

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In the last year, there’s been an upward trend in cloud adoption in India. In fact, NASSCOM finds that cloud spending in India is estimated to grow at 30% per annum to cross the US$7 billion mark by 2022.
At Google, in our conversations with customers, discussions have evolved beyond cost savings and efficiencies. While those are still very relevant reasons for adopting cloud technologies, Indian enterprises are looking to Google Cloud to help them drive digital transformation, identify new revenue generating business models, reach previously untapped consumer markets, and build customer loyalty through greater insight and personalization.
Here are some companies and their stories.
Tata Steel: Mining data and maximizing its power
Tata Steel is a great example of an established enterprise from a traditional industry that is modernizing and embracing cloud computing. With an ambition to be a leader in manufacturing in India and a digital-first organization by 2022, Tata Steel believes smart analytics is key to enhancing operational efficiency and gaining business advantage.
To organize data from siloed systems across the organization and make it easily accessible to all employees, Tata Steel is using Cloud Search and plans to scale it to more than one million documents and 28 disparate enterprise content sources including enterprise resource planning (ERP) and SharePoint. In fact, Tata Steel is one of the first Indian enterprises to harness the power of Cloud Search to meet some of the most aggressive ingestion demands, with indexing durations reduced from weeks to seconds.
They are also leveraging Google Cloud Platform (GCP) services like Google Cloud Storage and BigQuery to build their data lake and enterprise data warehouse so they can take advantage of advanced analytics and machine learning. Managed services such as AI Platform further enable Tata Steel to manage end-to-end AI/ML workflows within the GCP console. This complements their existing on-premise reporting and analytics tools, and brings data management to the forefront of everything they do—from forecasting market demand to predictive equipment maintenance.
“Digital is not just a goal, it’s become a way of life. We are digitizing everything from the deployment of factory vehicles to improving material throughput to marketing and sales. As a result, we have petabytes of structured and unstructured data that is not only waiting to be mined, but that we can generate intelligence from to create opportunities across our multiple lines of business using GCP,” said Sarajit Jha, Chief Business Transformation & Digital Solutions at Tata Steel.
Helping L&T Financial Services reach customers in rural communities
In rural communities, quick access to financial services can make a tremendous difference to livelihoods. L&T Financial Services provides farm-equipment finance, micro loans and two-wheeler finance to consumers across rural India backed by a strong digital and analytics platform. Their digital-loan approval app, which runs on GCP, makes it significantly faster and easier for people to apply for financial assistance to purchase important things such as farming equipment and two-wheelers. It also helps rural women entrepreneurs get quicker access to funds for their businesses through micro loans.
L&T Financial found G Suite to be a far better collaborative tool to help staff work together efficiently. Employees can interact with each other in real time using Hangouts Meet, and the task of information sharing is more seamless and secure through Drive. BigQuery also helps L&T Financial Services generate behavior scorecards to track credit quality of its micro-loan customers.
“Cloud is the technology that enables us to achieve scale and reach. Today there are countless data points available about rural consumers which enable us to personalize our products to serve them better. With access to faster compute power, we can also on-board consumers more efficiently. Our rural businesses have clocked a disbursement CAGR of 60% over the past three years.” said Sunil Prabhune, Chief Executive-Rural Finance, and Group Head-Digital, IT and Analytics, L&T Financial Services.
Creating conversational connections for Digitate’s customers
Digitate, a venture of TCS (Tata Consultancy Services), has integrated Dialogflow into its flagship brand ignio, an award-winning artificial intelligence platform for driving IT operations, workload operations and ERP operations for diverse enterprises. This integration is the next step in ignio’s product development journey, and will enable users to chat or talk with ignio to detect issues, triage problems, resolve them and even predict system behavior.
“ignio combines its unique self-healing AIOps capabilities for enterprise IT and business operations with Dialogflow’s AI/ML-based, easy to use, natural and rich conversational capabilities to create an unparalleled, intuitive and feature-rich experience for our customers,” says Akhilesh Tripathi, Head of Digitate.
Indian enterprises going G Suite
The base of Indian enterprises that are making the switch to G Suite to streamline their productivity and collaboration also continues to grow. Sharechat, BookMyShow, Hero MotorCorp, DB Corp and Royal Enfield are now able to move faster within their organizations, using intelligent, cloud-based apps to transform the way they work.
A hybrid and multi-cloud future in India
IDC predicts that by 2023, 55% of India 500 organizations will have a multi-cloud management strategy that includes integrated tools across public and private clouds. (IDC FutureScape: Worldwide Cloud 2019 Predictions — India Implications (# AP43922319). We look forward to sharing more success stories of Indian enterprises that have taken the next step in their digital transformation journey.
New Google Research Innovators tackle wide range of challenges

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Now in its third year, the Google Cloud Research Innovators program has invited 37 new participants to work with each other and Google experts to accelerate their most promising projects. The program offers select researchers expanded technical and networking support from Google professionals, access to Google’s latest cloud technologies, and additional Google Cloud research credits. By collaborating across fields, sharing resources, and disseminating knowledge, Research Innovators aim to drive new discoveries and solve problems faster.
This year’s cohort includes researchers in a wide range of fields at North American institutions. They meet once a month with mentors and participate in research conferences and special training days. Here are a few of the Research Innovators solving real-world problems with Google Cloud:
- Elisa Chen at the University of Chicago uses Vertex AI Vision to develop a model that recognizes faces in illustrations in order to examine race, age, and gender representations in award-winning children’s books in the U.S.
- Swapneel Mehta at New York University uses Google Cloud’s machine learning and data processing tools to analyze disinformation online.
- Christopher Weber at the University of Arizona uses BigQuery and Data Studio to analyze voter registration data and visualize political behavior.
- Guangming Zheng at the University of Maryland develops algorithms to identify cyanobacteria in freshwater lakes through satellite imagery, which can help assess threats to human health and ecosystems.
Previous Research Innovators have already generated scientific breakthroughs and had broad social impact: Tapio Schneider developed a ClimateMachine to simulate cloud cover, Richard Fernandes designed an app to monitor Canada’s leaf canopy, and Christoph Gorgulla accelerated drug discovery for COVID-19 treatments. Some of these innovators are now mentoring this year’s cohort to further advance the program’s goals and pass along its benefits.
If you’re a researcher interested in exploring the benefits of the cloud for your projects, apply here for access to the Google Cloud research credits program in eligible countries. To engage with the latest challenges and solutions in research and technology, sign up for NEXT, Google’s global exhibition of inspiration, innovation, and education in San Francisco August 29-31.
Ease Your Migration and Modernization Journey with Microsoft and Windows on Google Cloud Demo Center

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If you’re looking to migrate and modernize your Microsoft and Windows workloads, Google Cloud is your premiere destination. No matter what migration strategy you’ve selected or what value you’re looking to achieve, with Google Cloud you’re able to:
- simplify your migration and modernization journey
- reduce your on-prem footprint and increase agility
- optimize license usage to reduce costs
- modernize to reduce single-vendor dependencies
- rely on enterprise-class support backed by Microsoft
Whether you’re looking to migrate applications running on Windows virtual machines, adopt Windows containers in Google Kubernetes Engine (GKE), convert SQL databases to Cloud SQL, or something else, Google Cloud offers you the first-class experience you need.
But we don’t want you to take our word for it. Try it out yourself with our new online Microsoft and Windows on Google Cloud Demo Center without any commitment or friction.

The demo center uses hands-on guided simulations to walk you through several scenarios for solving business critical challenges with Google Cloud’s Microsoft and Windows solutions. Because these are all simulated, you’ll see how it works without any deployment, configuration, or commitment. It’s a seamless way for you to see exactly how Google Cloud can help you.
Run dedicated hardware and optimize with sole tenant
Sometimes you might want to run your workloads on dedicated hardware (with oversubscription options) for compliance, licensing, and management. Google Cloud provides sole-tenant nodes that allow you to easily deploy your virtual machines onto dedicated machines to avoid “noisy neighbor” issues, address regulatory or licensing constraints, and optimize inter-VM communications.
Plus, the CPU Overcommit option allows oversubscribing sole-tenant node resources by up to 2x, therefore helping save on per-physical core licensing for many licensed workloads like SQL Server.
Learn how to set up a sole tenant group and node.
Optimize license costs with premium images & custom VMs
One of the easiest ways to optimize your cloud experience with virtual machines (VM) is to pick the right VM image. Google Cloud provides premium license-included VM images that are thoroughly tested and optimized, including SQL Server options with pay-as-you-go licensing. These are great for workloads that don’t need to run all the time or when you do not have spare licenses for bring your own license (BYOL).
Explore some Windows & SQL images and learn how CPU/Memory options can help optimize deployment and save on licensing.
Modernize your databases with Managed SQL Server
Sometimes you need to manage your SQL Server instance to achieve certain business or operational goals. But more often, managing SQL Server deployments can be undifferentiated: backups, high-availability, updates, and patching are just some of the many things you have to take care of when going the do-it-yourself route. One way to modernize your database tier is to migrate to a managed service like Cloud SQL, which is a fully managed Relational Database service for SQL.
Explore the process of creating an instance in just a few clicks!
Extract apps from VMs and move to containers in GKE with Migrate for Anthos
Many Windows workloads running on virtual machines such as Internet Information Services (IIS) are ideal candidates for migrating to containers without major changes like rewriting or rearchitecting. However, doing this migration manually can be tedious, which is why Migrate for Anthos can help easily re-platform a .NET app running on IIS into a container-based app.
Simulate intelligently extracting, migrating, and modernizing applications to run natively on containers in GKE and Anthos clusters.
Move .NET applications to GKE on Windows without code changes
When you’re looking to go fully cloud native, you can leverage Windows containers in GKE without rewriting your .NET applications. Simply create clusters with Windows nodes and deploy containerized Windows workloads in a few clicks, even alongside Linux containers. These deployments reduce operational overhead with features such as auto-upgrade, auto-repair, and release channels.
Learn how easy it is to build a GKE cluster with a Windows node and deploy an app.
Now that you’ve gotten a feel for what’s available, go check out the Demo Center. You can also visit us at Windows and Microsoft on Google Cloud to learn more.
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