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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.
Serverless for Startups, the Best Way to Succeed: Expert Says

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As Google Cloud has become a choice for more startups, I’ve experienced an increase in founders asking how they should think about cloud services. Though each startup is different and requirements may vary across industries and regions, I’ve seen a few core best practices that help startups to succeed—as well as several traps to avoid.
For example, If you go with a public cloud provider, you’re ideally not starting from ground zero like you would running your own data center, but it’s important not to introduce similar complexity in a virtualized environment. Just because you’re using public cloud infrastructure doesn’t mean you want to manage it.
Instead, you want to leverage platforms that abstract away complexity so your team can focus on delivering value to customers. That’s where serverless comes in. Serverless platforms are fully managed by the provider, offering automatic scaling for workloads, as well as provisioning, configuring, patching, and management of servers and clusters. Freed from these resource-intensive tasks, your technical talent can focus on the things that differentiate your business, not on IT curation.
This applies to not only running stateless applications, but also managing and analyzing data. You should be collecting data points about which features are most popular on your platform, what people are buying, the types of activities that help your customers get their jobs done, and so on. This information is essential to building and executing on a product roadmap that will serve your customers. However, it’s not enough to collect this data, you need to make your data accessible, secure, and easy for your team to analyze—so where do you run and host it?
On Google Cloud, this is where options like Spanner and Cloud SQL can play a large role, as can BigQuery for analysis. You won’t have to worry about standing up infrastructure or patching servers—you can just stream your data to our data management platforms, where it’s available whenever someone needs to run a query. By leveraging a serverless architecture, your startup can be data-driven without having to invest in the traditional complexity of database administration and management—and that can significantly change your playing field.
Serverless is just one of the factors you should consider as you build out your tech stack. To hear my thoughts on a range of other topics relevant to startups — such as security, cloud credits, and the differences among managed services — check out the below video or visit our Build and Grow page.
Firestore Cheatsheet to Unlock Application Innovation

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Your product teams might ask – “Why does it take so long to build a feature or application?” Building applications is a heavy lift due to the technical complexity, which includes the complexity of backend services that are used to manage and store data. Every moment focused on this technical complexity is a distraction from delivering on core business value. Firestore alters this by having Google Cloud manage your backend complexity through a complete backend-as-a-service!
Firestore is a serverless, NoSQL document database that unlocks application innovation with simplicity, speed and confidence.
It acts as a glue that intelligently brings together the complete Google Cloud backend ecosystem, in-app services from Firebase and core UI frameworks & OS from Google.

What is Firestore?
Firestore is a serverless, fully managed NoSQL document database that scales from zero to global scale without configuration or downtime. Here’s what makes Firestore unique:
- Ideal for rapid, flexible and scalable web and mobile development with direct connectivity to the database.
- Supports effortless real time data synchronization with changes in your database as they happen.
- Robust support for offline mode, so your users can keep interacting with your app even when the internet isn’t available or is unreliable.
- Fully customizable security and data validation rules to ensure the data is always protected
- Built-in strong consistency, elastic scaling, high performance & best in class 99.999% availability
- Integration with Firebase and Google Cloud services like Cloud Functions and BigQuery, serverless data warehouse.
- In addition to a rich set of Google Cloud service integrations, Firestore also offers deep one-click integrations with a growing set of 3rd party partners via Firebase Extensions to help you even more rapidly build applications.
Document-model database

Firestore is a Document-model database. All of your data is stored in “documents” and then “collections”. You can think of a document as a JSON object. It’s a dictionary with a set of key-value mappings, where the values can be several different supported data types including strings, numbers or binary values..
These documents are stored in collections. Documents can’t directly contain other documents, but they can point to subcollections that contain other documents, which can point to subcollections, and so on. This structure brings with it a number of advantages. For starters, all queries that you make are shallow, meaning that you can grab a document without worrying about grabbing all the data underneath it. And this means that you can structure your data hierarchically in a way that makes sense to you logically, without having to worry about grabbing tons of unnecessary data.
How to use Firestore?
Firestore can be used in two modes:
- Firestore in Native Mode: This mode is differentiated by its ability to directly connect your web & mobile app to Firestore. Native Mode supports up to 10K writes per second, and over a million connections.
- Firestore in Datastore Mode: This mode supports only server-side usage of Firestore, but supports unlimited scaling, including writes.
Conclusion
Whatever your application use case may be, if you want to build a feature or an application quickly using Firestore backend-as-a-service. For a more in-depth look into Firestore check out the documentation. https://www.youtube.com/embed/moglAjmwmUQ?enablejsapi=1&
For more #GCPSketchnote, follow the GitHub repo. For similar cloud content follow me on Twitter @pvergadia and keep an eye out on thecloudgirl.dev.
BURGER KING Germany: Serving Up Marketing Insights and Supply Chain Visibility Easily

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Do hamburgers really come from Hamburg? This may still be a matter of debate, but the popularity of American-style burger joints not just in Hamburg but all over Germany, is clear. Germany’s top two fast food companies are both burger chains. One of them is BURGER KING®, a global brand that welcomes more than 11 million customers worldwide every day. The company arrived in Germany in 1976, when its first restaurant opened in Berlin. It now operates more than 100 restaurants across Germany, with franchisees operating more than 600 restaurants of their own.
“In the fast food industry, being able to move quickly is very important. That means delivering the right promotion to our app or launching a viral campaign within days. To do that across more than 700 restaurants, we need the support of the right technology.”
—Oliver Mielentz, IT Manager, BURGER KING® Deutschland GmbH
Previously a subsidiary of the U.S. business, BURGER KING® Germany became an independent company in 2015. As a result, it needed to develop its own IT infrastructure, and the changeover needed to happen fast. “We had to put in place systems that would work for the entire network of franchisees and enable us to easily roll out campaigns,” explains Oliver Mielentz, IT Manager at BURGER KING® Deutschland GmbH.
With the help of Google Cloud Premier partner Cloudwürdig, BURGER KING® Germany chose Google Cloud and G Suite as the right combination to suit its needs.
“In the fast food industry, being able to move quickly is very important,” says Oliver. “That means delivering the right promotion to our app or launching a viral campaign within days. To do that across more than 700 restaurants, we need the support of the right technology.”
Building a franchisee platform in just three months
When a business has multiple franchisees, it’s important to make sure everyone is on the same page, especially in the fast-paced fast food environment. “We have to collate data from all our franchisees and produce reports quickly in order to react to changes in customer behavior,” explains Oliver. “That means processing every transaction that takes place in our restaurants.” Following the restructure, BURGER KING® Germany also needed to build a secure invoicing system with data storage and optimize its communication channels.
“Using Tableau with BigQuery, we’re able to produce reports very quickly. Previously, it took much longer, as data had to be fetched manually. Our reaction time is now almost a business day faster.”
—Oliver Mielentz, IT Manager, BURGER KING® Deutschland GmbH
With support from Witter-IT, BURGER KING® Germany chose Cloudwürdig to build its BKD Connect internal platform on Google Cloud. Thanks to the ready-to-go tools on Google Cloud, it was able to put its invoicing system and data warehouse in place in just three months.
For the BURGER KING® Germany data warehouse, Cloudwürdig built an ETL pipeline that channels ticket data for every sale into BigQuery. “Data is gathered from the restaurants,” says Oliver, “and using Tableau with BigQuery, we’re able to produce reports very quickly. Previously, it took much longer, as data had to be fetched manually. Our reaction time is now almost a business day faster.”
As the ticket data for every transaction is stored in BigQuery, the marketing team can easily see exactly which products are selling well. That’s crucial for tweaking promotions as well as monitoring the supply chain to make sure enough produce is delivered to restaurants in response to changes in demand.
“Thanks to BigQuery, we have a speedy data pipeline that enables us to react on the same day to changes in the market and eliminate bottlenecks in production,” says Oliver.
Switching to G Suite to improve communication
To enable franchisees to sign in to its BKD Connect Platform, BURGER KING® Germany needed a secure authentication system. To solve that problem, it chose to provide franchisees with G Suite accounts. “It’s really easy to set up a new franchisee on the platform. I just create a new G Suite account and Drive folder for it, and it’s ready to go,” says Oliver. G Suite also helps the franchise network to run efficiently, as daily reports are automatically saved to Drive and shared to the appropriate regional network. “Thanks to that system, it’s much easier for any team at headquarters to access the information it needs,” Oliver explains.
BURGER KING® Germany also recently extended its use of G Suite across the whole company. “Following an evaluation of our previous email and productivity software, I made the decision to switch solely to G Suite,” says Oliver. BURGER KING® Germany employees now use Gmail, Calendar, and Drive for their day-to-day productivity needs. “We only just completed the migration, but already, everyone’s happy,” says Oliver. “It’s so easy to share a file using Drive or set up a meeting on Calendar.”
“We’re big fans of Hangouts Meet, and we have two rooms here at our Hanover headquarters equipped with Hangouts Meet hardware,” Oliver adds. “The speech quality is good, and it’s helpful to be able to see every participant, especially when you’re running a meeting with multiple franchisees.”
Optimizing infrastructure to power innovative campaigns
The BURGER KING® app, available for iOS and Android, helps the company to deliver a great customer experience. Through their MyBK accounts, guests can access coupons and special promotions. “We had a really interesting campaign for Easter: guests used the app to hunt for virtual Easter eggs,” explains Oliver. “We knew it was going to be big, and our previous back end wouldn’t have been able to handle the traffic.”
To enable the marketing campaign to go ahead, BURGER KING® Germany moved the back end of the app, along with its website, to Google Cloud. For developing and running its web and app back ends, it now uses App Engine and virtual machines on Compute Engine, as well as Memorystore and Cloud Functions. For monitoring and logging, it uses Stackdriver, and Cloud CDN and Cloud DNS to easily handle its traffic.
“We ran the campaign without any performance issues, even though we were receiving several million hits a day,” says Oliver. Since migrating the back end to Google Cloud, the marketing team also launched the popular “Escape the Clown” campaign. “That campaign blew our minds!” says Oliver. “It wouldn’t have been possible without Google Cloud, because it required a lot of back end capacity.”
To develop the app infrastructure it needs, BURGER KING® Germany relies on Cloudwürdig. “Working with Cloudwürdig is great because the team has the same agile mindset as us,” says Oliver. “When we have a new idea, we just set up a meeting, and in a couple of days the new infrastructure is in place. For Escape the Clown, it only took a few weeks to get everything ready to launch.”
Leveraging integrated tools to grow the business
Using Google Cloud together with G Suite enables BURGER KING® Germany to run its franchise network efficiently, while keeping its IT team lean. “Google Cloud and G Suite are the perfect fit for the way of working at BURGER KING® Germany,” says Oliver. “Many of the company’s operatives are often on the road, visiting restaurants and franchisees. With these tools, they can work flexibly and react quickly to the situation on the ground.”
“In order to grow the business, we need to use the data we receive every day to understand exactly what is happening in our restaurants. With the tools provided by Google Cloud, we can get more guests through the door and offer them a better experience.”
—Oliver Mielentz, IT Manager, BURGER KING® Deutschland GmbH
It also helps to keep infrastructure costs under control. “With Google Cloud, we only pay for what we use, which is really important for us,” Oliver explains. “It means we can scale up quickly if we see an opportunity to react to a trend in customer behavior and launch a new marketing campaign that resonates with the moment. When it’s finished, we can then scale down again, and that definitely saves us money.”
BURGER KING® is now working with Cloudwürdig to add more functionality to the BURGER KING® app using Google Kubernetes Engine. “We like to work with customers long-term to support their digital transformation. BURGER KING® Germany is a great example of how one project can develop into a great collaboration,” says Benny Woletz, Managing Director of Cloudwürdig.
BURGER KING® also plans to expand its presence in Germany and gain a greater market share by further tailoring both its marketing and the way it runs its restaurants to answer its guests’ needs. “In order to grow the business, we need to use the data we receive every day to understand exactly what is happening in our restaurants,” says Oliver. “With the tools provided by Google Cloud, we can get more guests through the door and offer them a better experience.”
Partnering with Google Cloud is the Key Behind Recent Healthcare Innovations

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It’s simply amazing to witness how some of our systems integrators employ Google Cloud solutions to drive innovation in ways we at Google may never have considered—especially in healthcare. According to analyst firm MarketsandMarkets, the market for the Cloud in healthcare is projected to grow 43% between 2020 and 2025 to nearly $65 billion, fueled by the need for better technology infrastructures and faster digital transformation.
Healthcare and life sciences communities are looking to Google Cloud and its Service engagement model partners to improve collaboration and activate the power of medical data. These transformations deliver robust data analytics and bring a much deeper perspective into health epidemics like COVID-19 to help save lives.
In the healthcare and life sciences industry, our Google Cloud partners and customers provide constant energy and inspiration–and are the magic in some key healthcare innovations globally.
Let me show you how they are solving real-world business challenges.
Improving collaboration in Healthcare
Cloudbakers and Comanche County Memorial Hospital transitioned 2,000 employees to Google Workspace to improve collaboration, reduce costs, and increase security. By implementing a system that requires less maintenance while enabling mobile access to data and true collaboration, Comanche County Memorial Hospital saves $175,000 annually on licenses and helps medical professionals spend more time with patients.
“We chose Google Workspace because it cost a quarter of what we were paying previously, offers the kind of modern features that healthcare facilities need, and gave us data security and peace of mind.” —James Wellman, CIO, Comanche County Memorial Hospital
Accessing previously locked down medical data
Google Cloud and Quantiphi supported advances in cloud-based machine learning services to reduce infrastructure costs, unlock new paths of treatment, and dramatically reduce the amount of time it takes to evaluate scanned imagery following a stroke. John Hopkins University BIOS Division has been working on medical imaging to accelerate insights from scans on approximately 500 patients from 2,500 hours to 90 minutes, and lead to more accurate decision-making for brain injury patients that will ultimately improve medical outcomes.
“We’ve aligned closely with the goal of showing that a cloud-based, AI-driven approach is robust and that it can be performed while protecting personal PHI. In terms of costs, the cloud has definitely reduced some of the traditional financial demands of our research.” —Daniel F. Hanley, Jr., M.D., Director, Johns Hopkins University BIOS Division
Improving data access with the flexibility of Google Cloud
With the help of MediaAgility, TRIARQ migrated to Google Cloud to modernize their platform, build new applications, and expand their global footprint. With BigQuery, TRIARQ can now consolidate all transactional data, past and present, into a single location to report on specific insights and predict future data from e-prescriptions to complex revenue-cycle data and value-base analysis.
“The future of this industry will need to be a global one, and we can no longer be stuck in legacy systems if we want to survive. Having a team that is passionate about supporting us in this journey is definitely a plus point.”—Yaw Kwakye, Co-founder and Chief Architect, TRIARQ
Increasing visibility to COVID-19 outbreaks for actionable insights
As part of its response to the COVID-19 pandemic, HCA Healthcare chose to work with Google Cloud and SADA to create a national portal that increases visibility into outbreaks in 3,100 counties across the country in just 8 weeks. Now, the portal generates 30,000 new analytical views each day that can help inform private and public sector decision making for reopenings, closures, hot spots, and many other population health management activities.
“This project required deep knowledge of AI, and consumer-facing platforms, as well as healthcare. Google brought together the ideal combination of product, people, and partners. Google Cloud’s healthcare-specific products along with SADA’s expertise in the healthcare IT space made this partnership the perfect choice to move quickly and intelligently.”—Dr. Edmund Jackson, Chief Data Officer, HCA Healthcare
We’re committed to building the technology, resources, and services through Partner Advantage to help our partners address this opportunity. Looking for a solution focused partner in your region who has achieved Expertise and/or Specialization in your industry? Search our Global Partner Directory. Not yet a Google Cloud partner? Visit Partner Advantage and learn how to become one today!
Qlik and Google Cloud Combo: Extending Integration of SAP Data on BigQuery

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If your organization is one of the 52% of SAP customers whose top analytics pain point is data integration1, Google Cloud has got you covered. By working with partners like Qlik, we are expanding our integration options and bringing real-time replication capability for SAP to BigQuery.
Integrated data for accelerated insights
BigQuery—our fully managed, enterprise data warehouse that can scale up to petabytes on demand and execute queries in seconds—allows SAP customers to consolidate enterprise data silos and confidently derive more use and value from their data. Customers can accelerate and simplify the delivery of SAP data on BigQuery with the latest Qlik Data Integration platform offering for Google Cloud which allows data integration using an automated, near real-time data pipeline through Qlik Replicate, whether data originates from legacy SAP environments, SAP HANA, or SAP application servers. Additionally, Qlik Compose for Data Warehouses can be used to easily generate and automate logical data models from SAP directly in BigQuery freeing up more time for data analysts to leverage advanced built-in capabilities such as BigQuery ML to derive greater value and insights using standard SQL without the need for advanced programming expertise.
Delivering faster results with real-time
Traditional extract-transform-load (ETL) solutions operate on a batch basis, pulling data sets from SAP daily, hourly, or every minute. These tools often require manual mapping of multiple data fields so that data flows accurately. Given SAP’s highly complex table relationships, in which a single transaction can result in multiple changes, this can be a time consuming and tedious process. ETL can also increase the burden on your SAP systems.
Qlik Replicate simplifies this with its intuitive user interface where you can set up real-time data replication between SAP and BigQuery, eliminating the need for manual coding. And, to prevent system overhead, as soon as a new transaction is entered into SAP, the resulting data is replicated into BigQuery in a process known as change data capture (CDC) from SAP’s log layer. This means that data transfer can benefit from high performance with minimal impact on the source system’s resources. Read our latest white paper to learn how to extract SAP data into BigQuery leveraging Qlik Replicate.
Solution expertise for all core SAP workloads
It doesn’t matter what database your SAP system runs on, Qlik Replicate supports all core SAP systems. It automates real-time data replication and decodes SAP’s complex, application-specific data structures into formats that flow smoothly into BigQuery. This ensures that anyone who depends on data analytics has the most current and relevant SAP data they need. For its robust solution capabilities Qlik has received a new “SAP on Google Cloud Expertise” designation for supporting:
- Fast onboarding and accelerated replication of SAP data into Google Cloud
- Real-time and continuous data replication from SAP applications to BigQuery
- Support for all core SAP modules and a broad set of data sources
- Automated data integration, which cuts resource requirements for initial delivery and ongoing maintenance
Proven customer results
Many SAP customers have experienced the benefits of leveraging Qlik alongside BigQuery for data analytics and AI at scale, including German luxury department store chain Breuninger. In order to meet its customers’ growing and changing expectations,Breuninger needed to accelerate its time to insight from data sources across a highly dispersed landscape of on-premises databases and systems, including SAP. The company uses Qlik Replicate to feed corporate data from modules in its SAP system into BigQuery and integrate its varying on-premises databases with the Google Cloud environment. This has yielded game-changing, real-time customer insights for the retailer.
What could your business do with faster, more integrated insights? Learn more about BigQuery for SAP customers and also how Qlik and Google Cloud can help you modernize and automate data integration and analytics.
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