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Special Subscription offer on page 5676 pages including cover

How will the first set of Indian smart cities look like?

The First Steps

INNEFU LABS MAKES INROADS INTO

THE DEFENSE SECTOR p. 24

IS YOUR MOBILE APPLICATION SECURE AND

ENABLED WITH RIGHT LEVEL OF PROTECTION? p. 26

INDIA IS THE FOURTH LARGEST MARKET FOR

VDI IN THE WORLD: MILIND YEDKAR, DELL p. 38

w

ww.dqindia.com

VOL XXXIV No 09 I MAY 15, 2016

THE BUSINESS OF INFOTECH

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4 | May 15, 2016 www.dqindia.com A CyberMedia Publication |

52

Concentrix is focusing

more on analytics and

digital

ANUJ KUMAR, GM India and South Asia andGlobal Lead Analytics, Concentrix

MAY 15, 2016

28

Startups motivated

banks to digitize fast

RITESH PAI, Senior President &Country Head, Digital Banking, YES Bank

46

popSLATE 2 E-Ink iPhone

Case: One Mobile Phone

Case to Rule them All

GREG MOON

CMO, Co-founder, popSLATE

38

India is the fourth

largest market for VDI

in the world

MILIND YEDKAR, General Manager, Asia Pacificand Japan, Cloud Client Computing, Dell

60

Todays security

challenges cannot be

secured with mere

incremental thinking

BS NAGARAJAN,Senior Director- Systems

Engineering, VMware India

T A L K I N G P O I N T

Indias Questfor Smart CitiesAs the Indian government has stepped up its

efforts to shape up the first set of smart cities,

there are active discussions how the Indian smart

cities are going to look like

16 ICOVER STORY

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|A CyberMedia Publication www.dqindia.com May 15, 2016 | 5

06 Edit

07 DQ Team

08 Short Takes

74

Last Matter

REGULAR

CONTENTS

INDUSTRY

32

Building Cities for Tomorrow

36 How a Liquid Workforce will Propel

Organizations into the Digital Landscape

41 Threat Landscape Grows Complex and

Chameleon-like

43

The Signal and the Noise: Unleashing the

Power of the IoT

49 Network SecurityIts Everybodys Business!

54

Five Barriers to Broadband Adoption in India

58 Smart Cities Not Necessarily Secure Cities

63 Relevance of End-to-End Security in an IoT

Environment

65 IoT:Its Impact and the Importance of Testing

67 The Future of Email Marketing

69

Critical Role of Technology in Shaping the

future of HR Practices

71 Staying Ahead of Data Breaches

ENTERPR I SE

26 Is Your Mobile

Application Secure

and Enabled with Right

Level of Protection?

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6 | May 15 2016 www.dqindia.com A CyberMedia Publication |

TheTwo Parts

EDIT

Much has been written and spoken about the making of a digital enterprise. It is now well understood thatthe digital enterprise is not only about technology but it is also about identifying areas for innovation,creating new business processes, and in many cases, creating new business architectures and new

business models. Converging technologies make these endeavors possible. Even though it might seem tobe the preponderant element, technology alone wouldnt help in realizing the dream of the digital enterprise.

What is/are the missing element/s? It is hard to call it by one any name, but it is a motley set of capabilitiesthat really determine the chances of success in creating the digital enterprise. This set includes thingsas diverse as organization culture, mindset towards innovation, ability to understand customer behavior,organization structure, and many more. Call it the creative part of the organization. Taken together withtechnology, it forms one whole. It is like the yin and yang, the body and the mind, or the left brain and theright brain.

Enterprises need to understand this dichotomous aspect to be able to transform themselves into digitalenterprises. In reality, mastering the creative side of the organization is the bigger challenge. Technology andcapabilities in technology can be sourced externally most of the time, but the creative aspects have to benurtured internally. For example, the creative aspect could mean devising a new approach for customers toco-create products or services in a hyper-customization mode and the technology used to deliver this newapproach could be procured from a technology vendor.

The impact of this duality is so telling that even technology service providers are grappling with theirown set of challenges. I met a leading global IT services vendor who claimed to offer digital transformationservices. The vendor had acquired capabilities in digital marketing, customer experience management,consulting by buying out various specialist companies. But when they set out to sell their services in themarket, various incompatibilities between the technical part of the organization and the creative part of theorganization arose. The vendor pointed out that such incompatibility issues also existed within their clientorganizations so much so that it became a four-way problem!

CIOs would often find themselves bang in the middle of this turmoil. Yet, CIOs are the most suited toplay the bridge between the technical and creative sides of the organization. The challenge is huge, but therewards are handsome.

Ed Nair

[email protected]

Ed NairEditor-at-large

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EDITORIAL

EDITOR AND GROUP EDITOR:Ibrahim Ahmad

GROUP EDITOR - IT BUSINESS :Ed Nair

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GROUP EDITOR - SPECIAL PROJECTS: Rajneesh De

ASSOCIATE EDITOR:Shrikanth G (Chennai), Onkar Sharma (Gurgaon)

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INDUSTRY| SHORT TAKESCompiled By:

Ruchika Goel

[email protected]

Honeywell Process Solutions Digital Transformation

Business to Help Customers Benefit from Industrial IoT

VirtusaPolaris and WorkFusion to DeliverRobotic Automation and AI-powered Cognitive

Automation to the Financial Services Sector

Honeywell Process Solutions (HPS) an-

nounced it has established a new business

unit to help manufacturers harness the In-

dustrial Internet of Things (IIoT) and more

rapidly deploy technologies that will allow

them to better manage and analyze data, making their

operations safer, more reliable and more efficient.

Since HPSs introduction of the modern automation

control system, we have helped plants and manufacturing

sites around the world use an increasing amount of data

to solve customers productivity and safety challenges

said Vimal Kapur, HPS president. As manufacturers are

looking to take the next step to manage and exploit data

across multiple sites in locations across the globe, our

new business unit will be a focused resource to provide

that expertise.

Andrew Hird has been named vice president and gen-

eral manager of Honeywells new Digital Transformation

unit and will report to Kapur. Hird most recently served

as HPSs global vice president of sales, where he gained

exposure to customers in industries ranging from oil and

gas and mining to power generation, and pulp and paper.

Hird has more than 20 years of industry experience, in-cluding 12 years with Honeywell.

Honeywells deep expertise in IIoT allows us to solve

customer challenges by consolidating data in the cloud

from multiple disparate systems, applying higher-level

analytics and leveraging experts who are often physically

remote from the customer site, Hird said. Honeywell is

in a unique position of being the recognized leader in au-

tomation and control room solutions for a wide range of

process industries, plus we have advanced knowledge inconnectivity with OPC UA, cyber security and advanced

software development.

VirtusaPolaris and WorkFusion announced a

partnership to deliver new smart automation

solutions for the banking and financial serv-

ices (BFS) market. The combination of Virtu-

saPolaris deep BFS industry and process ex-

pertise and WorkFusions cutting edge platform will help

clients reduce operational costs, while improving quality,

productivity and agility.

Most financial services organizations continue to strug-

gle with inefficient legacy systems that have not kept pace

with the change in business and regulations, introducing

gaps in process automation that negatively impact effi-

ciency of business operations. Many of these gaps are low

complexity high volume routine process steps and mostorganizations have deployed large operational workforces,

frequently offshore, to handle these processes, said Bob

Graham, global solutions head, Banking and Financial

Services at VirtusaPolaris. WorkFusions combination of

robotic and cognitive automation supported by Virtusa-

Polaris expert consulting and implementation services

allow customers to improve quality through greater accu-

racy and the removal of human error, reduce costs through

rapid automation of manual tasks, and accelerate time to

market with our proven delivery approach.

At the core of WorkFusions SPA software are three

powerful capabilities: Workforce orchestration, robotic

process automation (RPA) and cognitive automation

which, together, help organizations improve workforce

agility and elasticity and automate manual processesthrough rapidly evolving AI.

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Insurers will Succeed at Digital Transformation

by Putting People First: Accenture

Seniorworld.com Unveils Easyfone:Indias Most Friendly Phone for Seniors

While the next wave of digital technolo-

gies will transform the very nature of in-

surance organizationsincluding what

they do and how they do it those

that succeed will do so by dramatically

transforming their workforces and cultures to operate in a

digital world, according to a new report from Accenture.

Based on a survey of nearly 450 insurance executives,

the Accenture Technology Vision for Insurance 2016 report

titled People First: The Primacy of People in the Age of

Digital Insurance states that the next wave of technol-

ogy Internet of Things (IoT), platform-based ecosystems

and artificial intelligence is maturing and expected to ul-

timately transform the very nature of the insurance organi-

zation and what it does. In fact, 90 percent of the insurers

surveyed said they expect the pace of technology change

to increase rapidly or at an unprecedented rate over the

next three years. In addition, more than four-fifths (83 per-

cent) of insurers see IoT bringing about significant change

or complete transformation in the industry.

The report states that the digital trends identified in Ac-

centures Technology Vision 2016 report intelligent auto-

mation, liquid workforce, platform economy, predictabledisruption and digital trust offer insurers an opportunity

to shift from their traditional business model to one where

they can automatically assess and price risk directly, indi-

vidually and in real-time, as well as help customers avoid

losses in the first place. However, taking full advantage of

these trends will require insurers to dramatically transform

Seniorworld.com, Indias first company which

is focused on the holistic needs of seniors

has announced the launch of easyfone, In-

dias most senior-friendly feature phone with

unmatched features.

Every aspect of easyfone has been designed keeping in

mind the unique needs of seniors; whether it is the easy-

to-read large screen with big font, large dialing keys, the

cradle charger which makes phone charging easier or

Photo-dial with which Seniors can dial their favorite con-

tacts through a single key press.

With an increasing number of seniors living by them-selves, their safety & security needs are bigger than ever

their workforce and culture.

The emergence of digital technologies and the adop-

tion of platform partnerships is causing a shift in the in-

surance workforce, said John Cusano, senior managing

director of Accentures global Insurance practice. Digital

insurers are hiring employees that are more tech savvy,

creative and analytical, and they are now competing for

top scientific, engineering, technology and mathematicstalent. Insurers are also increasingly introducing intel-

ligent automation that can consume and analyze vast

amounts of data and perform complex processes to

complement this new workforce. Companies need to be

forward-thinking about evolving their culture to embrace

all of these changes.

before. Easyfone helps seniors get help during emergencies

through the SOS button. Pressing the SOS button sets off a

chain of 4 automated actions including calls and SMS to 5

emergency contacts with critical details. The critical details

comprises the location of the user, the battery strength of

the device and contact details of the users doctors, medi-

cal Insurance etc. Other features include the Whitelist op-

tionwhich limits incoming calls only from the white listed

numbers, a customizable menu that helps hide unused fea-

tures, and some other features which havent been seen in

feature phones before. The after-sales service is also de-

signed for the comfort of seniorswith the company offer-ing a home pickup and delivery service for repairs.

INDUSTRY| SHORT TAKES

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Hitachi Data Systems Adds Native NAS and Cloud Tiering

to Virtual Storage Platform, Expands Analytics Software

NEC and DMIC Trust form JV toProvide Logistics Visualization Services in India

Hitachi Data Systems (HDS), a wholly owned

subsidiary of Hitachi, announced new up-

grades and additions to its Hitachi Virtual

Storage Platform (VSP) G series portfolio de-

signed to reduce the ongoing costs of tradi-

tional environments and exploit and monetize data, which

is too often trapped in silos of technology. Digital trans-

formation has put data at the center of business strategy

and has made IT a key element of corporate success, but

is also putting new pressures on IT to modernize proc-

esses, systems and skillsets. To help break down data

silos and modernize storage management, Hitachi Data

Systems has embedded NAS functionality, cloud optimi-

zation and enhanced VMware integration into VSP G400,

VSP G600 and VSP G800 storage platforms to simplify

and accelerate data center modernization efforts.

OPTIMIZED FOR THE CLOUD

Customers continue to re-assess their IT strategies to find

ways to optimize and reduce the ongoing costs of tradi-

tional storage and cloud services, but they are in need

of flexible solutions that can address disparate environ-

ments such as virtualization, remote and core data cent-

ers and dynamic cloud strategies, to meet infrastructure

requirements for a vari-

ety of applications. As a

cloud-optimized, unified

storage platform, the VSP

G series was built to meet

these needs and contin-

ues to exemplify Hitachis

strong investment phi-

losophy in innovation, with

more than 4,000 patents

in SAN and NAS-relatedtechnologies.

N

EC Corporation and the DMIC Trust have

established a joint venture company,

DMICDC Logistics Data Services Limited,

for providing logistics visualization services

in India. NEC and DMIC Trust will each hold

50% of the joint ventures total capital of approximately 8

mn Indian Rupees (INR).

This is the first commercial project to originate from

the Smart Community initiatives of the Delhi Mumbai In-

dustrial Corridor, which is being promoted jointly by the

Indian and Japanese governments. Since 2010, the Japa-

nese Ministry of Economy, Trade and Industry (METI) has

played a key role in helping NEC and DMIC Trust to estab-

lish this new company.

The new company will provide shippers and transport

operators with logistics visualization services, enabling

them to perform real-time searches based on accuratepositional information, showing the location of contain-

ers being transported by rail or road between Delhi and

Mumbai. This will make significant contributions to short-

ening shipping lead times, reducing inventory levels and

improving the accuracy of production plans.

To provide these services, the new company will affix

RFID tags to shipping containers being loaded and un-

loaded at ports in Mumbai. It will also install RFID reader/

writers at locations such as port entrances and exits, toll

plazas on the expressway between Delhi and Mumbai,

and inland container depots where customs inspections

are carried out and cargo reloaded. Positional information

obtained by RFID reader/writers will then be gathered in

real time via a cloud-based logistics visualization system.

There are plans to link up the logistics visualization sys-

tem with rail transit management systems, port manage-

ment systems and other existing systems in the future, in

order to gather information such as freight train runningtimes and container management status at the port.


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Freecharge Appoints Fareed Jawad as

Vice President and Principal Product Architect

Mobile-Optimized Work Environments DriveHigher Employee Engagement and Performance

Freecharge, digital payments platform an-

nounced the appointment of Fareed Jawad as

the Principal Product Architect and Vice Presi-

dent (VP) payments. In his new role, Fareeds

mandate will be to build payments technolo-

gies at Freecharge. Additionally, he will lead the efforts

on building technologies for solving the unique payments

problems in India.

Freecharge is on a mission to build the world-class

payments ecosystem for merchants and customers. The

company seeks to work collaboratively with various in-

novators and emerging FinTech players to implement

the most reliable and frictionless payment method and

Fareed will be instrumental in driving this with the senior

leadership team at Freecharge.

Prior to his appointment at Freecharge, Fareed most

Anew global study, Mobility, Performance and

Engagement by The Economist IntelligenceUnit (EIU) has established a measurable link

between more mobile-first working environ-

ments and an increase in employee engage-

ment, proving that CIOs can drive increased business

performance through well-developed and executed mo-

bile strategies.

Sponsored by Aruba, a Hewlett Packard Enterprise

company, the study showed that companies rated by em-

ployees as pioneers in how they support mobile tech-

nology saw a rise in productivity (16%), creativity (18%),

satisfaction (23%), and loyalty (21%), when compared to

organizations that were poorly rated at supporting mobile

technology.

Today, most companies and employees understand

that a mobile-first approach can be good for business,

but if you can tell a CEO of a Fortune 500 company that

their organization can achieve a 16% increase in em-

ployee output, or tell HR directors that they can increase

loyalty by over one-in-five, we believe they would make

mobility an even greater investment priority, said Chris

Kozup, Vice President of Marketing at Aruba, a Hewlett

Packard Enterprise company.

While past studies have recognized the impact of in-creased mobility on employee engagement, establishing

recently served as Principal Product Architect at Amazon

India, where he was responsible for building the core pay-

ment processing infrastructure for the organization. Be-

fore joining Amazon, Fareed was with Flipkart as Director

Product Management and was part of the core team

that launched PayZippy.

Fareeds appointment reaffirms Freecharges com-

mitment to hiring the industrys best talent. We are on a

cusp of a revolution to accelerate the FinTech capabili-

ties in India. We look forward to Fareeds contribution

in strengthening our technical expertise and payments

capabilities with his in-depth understanding of payments

sector. Fareed will be responsible for developing products

for customers and merchants both online and offline, in

line with our vision to be the digital OS for the payments

business in India. said Govind Rajan, COO, Freecharge.

the business outcome has been a missing link. This report

quantifies it, he added.

The report, which surveyed 1,865 employees globally,

demonstrates that many workers recognize the benefits

of mobile-optimized work environments. In fact, six in ten

(60%) employees said mobile technology makes them

more productive, while more than four in ten (45%) be-

lieve it causes their creativity to rise.

The EIUs analysis looked to define how the wide adop-

tion of mobile technology was impacting business out-

comes by defining the key dimensions of a mobile-first

employee experience, then demonstrating how each

dimension contributes toward business performance. Anumber of key trends stood out:


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Lendingkart Group Appoints

Anand Mishra as VP, Product Analytics

Forcepoint 2016 Global Threat Report:Evasion, Insider Threats, and Ransomware Advance;

New Jaku Botnet Targets Asia

Lendingkart Group recently announced that

Anand Mishra, a tech veteran, has stepped in

the critical role of VP- Product Analytics. In his

current undertaking, Anand Mishra would be

actively involved in honing the product profile

and enhancing the small business financing platform.

After completing his Bachelors and Masters in Electri-

cal Engineering from IIT Kanpur, Anand has worked as

an Analytics Specialist Consultant, Senior Data Scientist

and Senior Manager with some of the most renowned or-

ganizations. An expert in creating and leading teams to

achieve high impact business goals, Anand effortlessly

juggles between problem identification, brainstorming &

strategizing and seamless implementation of solutions.

In his most recent endeavor, he headed the Analytics

team of HTMedia and accomplished the systems revamp

to achieve 200% better mailer responses and 30% im-

proved responses to cold calling.

Speaking about the recent hire, Harshvardhan Lunia,

Co-Founder & CEO, Lendingkart Technologies said,

Lendingkart Group is perpetually on lookout for the right

talent to enhance and escalate the processes. We are

pleased to have Anand Mishra on-board, who has already

proven his mettle as a data scientist and VP, Analytics. I

am positive that this alliance will help us, both Lending-

kart Group and Anand, to realize the best of our potential

and achieve our personal and professional objectives.

Anand Mishra, who has worked as VP, Analytics in

the past with Tickled Media, the largest parenting por-

tal in South East Asia, is excited to be part of Lending-

kart Group. Further commenting on the announcement,

Anand Mishra, VP, Product Analytics said, I feel passion-

ately towards the vision of Lendingkart Group, striving to

facilitate the working capital for SMEs. Given the rise in

entrepreneurial ecosystem, our service offerings are more

paramount than ever. I am also excited to be working

closely with a team of passionate techies, data scientists

and seasoned bankers at the Group and hope that to-

gether we would create significant synergies to achieve

our highest goals and responsibilities.

F

orcepoint, empowering organizations to drive

business forward through transformative se-

curity technologies, released the Forcepoint

2016 Global Threat Report, detailing some of

the latest evolving threats, gathered from more

than three billion data points per day in 155 countries

around the world.

This years report analyzes the impact of:

A brand new botnet campaign that Forcepoint is

calling Jaku that was discovered as a result of a 6-month

investigation by Forcepoints Special Investigations (SI)

team

A new crop of opportunistic ransomware, anti-

malware tools and issues caused by the ever-dissolving

perimeter that are posing serious challenges to

cybersecurity professionals and the organizations they

aim to protect

Increases in data breaches caused by bothmalicious and accidental insiders

Inconsistent security controls between cloud

providers and businesses, which are complicating data

protection

The continuing convergence of email and web attack

vectors as nine out of ten unwanted emails contain one or

more URLs and millions of malicious macros are being sent

The rapid evolution of the cyber threat environment

has consequences that are much broader than just tech-

nical, operational, and financial they can impact every

piece of a business, said Forcepoint Chief Scientist Dr.

Richard Ford. With this Threat Report, we want to de-

mystify these threats and help enable businesses with

tools, recommendations and, quite simply, knowledge, so

they can continue to move forward without fear.

The Forcepoint 2016 Global Threat Report details mul-

tiple behavioral and technique-based trends and provides

guidance on todays most impactful threats to assist se-

curity professionals in planning their cybersecurity de-fense strategy.


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Vodafone M-Pesa Enables

Consumers in UP to Pay Electricity Bills On the Go

Infosys Finacle partners withOnegini to Strengthen Digital Banking Offering

Vodafone M-Pesa, a unique and innovative Dig-

ital Wallet service from Vodafone that offers

Money Transfer, Bill & Utility Pay, Merchant

Payments and Business Solutions, has part-

nered with has partnered with the UP (W) State

Distribution Companies Paschimanchal Vidyut Vitran (PV-

VNL), Dakshinanchal Vidyut Vitran (DVVNL) & Madhyanchal

Vidyut Vitran (MVVNL), offering over 35 Lakh households

in Uttar Pradesh a simple, easy-to-use option to pay their

electricity bills instantly. Vodafone M-Pesa offers custom-

ers a cashless, secure platform for electricity bill payments

with the largest network of agents (or CashIn Points) to en-

able digitization of money for Cash holding population. Vo-

dafone has more than 115 lakh subscribers in UP(W) who

will now be able to pay their electricity bill through M-Pesa,

supported by more than 10,000+ outlets (or CashIn Points)

including Vodafone Company owned stores, franchisees,

and multi brand outlets. These CashIn Points provide

convenience and ease to Customers to convert cash into

digital money to participate in digital payment of Bills and

e-commerce /m-Commerce. The bill payment touch points

are easily available at every nook and corner, including 27

Vodafone brand stores.

Inviting the residents of UP(W) to reap the benefit of

instant electricity bill payment on the go through Voda-

fone M-Pesa, Commenting on this initiative,Dilip Kumar

Ganta, Business Head, UP West Vodafone India said

It has been our constant endeavor to deliver and bring

innovative and simplified service offerings relevant to the

needs of our customers in UP(W). Vodafone M-Pesa part-

nership with the three key electricity distributing bodies

in the state is one such initiative that bridges the need for

a simple, timely and cashless payment solution for con-

sumers through their mobile phones.

P

latform integration will enable secure mobile

banking through advanced biometrics and

multi-factor authentication.

Infosys Finacle, part of EdgeVerve Sys-

tems, a product subsidiary of Infosys, and

Onegini announced a partnership to integrate the Onegini

mobile security platform with Finacle banking solutions.

The integration will allow banks to provide their cus-

tomers enhanced security to access and transact across

channels. Using this solution, banks can offer customers

an option to select advanced authentication methods,

including fingerprint, facial, eye and voice recognition as

well as multi-factor authentication for added security as

they transact on devices. The end-user will be presented

different authentication methods depending on device,

location and type of transaction.

Andy Dey, President of Customer & Operations at Ed-

geVerve said, A bank is no longer somewhere to go youcarry it with you. This offers a new level of convenience,

but at the same time our customers demand secure so-

lutions. Through this partnership, we aim to provide ad-

vanced security with convenience to customers.

Since we started the company, we have worked with

many multinational enterprises in the financial industry. By

combining EdgeVerves product capabilities and deep ex-

perience with global banks, we will further strengthen our

combined offering to reach new markets and customersin the digital era, said Denis Joannides, CEO, Onegini.


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INDUSTRY| COVER STORYRuchika Goel

[email protected]

Indias Questfor Smart Cities

As the Indiangovernment hasstepped up itsefforts to shapeup the first setof smart cities,there are activediscussions howthe Indian smartcities are going tolook like

Several reports suggest that the urban popu-

lation in India is expected to rise by more

than 400 mn people to 814 mn by 2050. In-

dia, therefore faces the kind of urbanization

which was earlier seen in China. To stand up

to this challenge, the newly elected government has pro-

posed the smart city project which aims to create 100

cities in India by 2022, though only 22 cities have been

chosen for the first phase. Indian citizens, empowered by

the digital tech, expect quality in the government serv-

ices. Hence the public authorities are seeking to reduce

costs and raise performance by adopting technological

approaches in the delivery of public services. To this end,

the smart city initiative is gaining momentum.

Smart cities will no longer be smart enough without the

deployment of smart solutions in every aspect of these

cities. While there are several key aspects to this, smart

cities will consume smart meters, sensors and manage-

ment systems, to name a few. These tools and solutionswill play a big role in the smooth functioning of these cit-

ies. ICT will help these cities to allocate resources prop-

erly. There would be barely any leakages as the resources

will be used in an adequate manner. There would be more

usage of renewable energy. Security would be elaborate

as the sensors powered by IoT systems will keep watch

on each nook and cranny.

At a city-wide scale its about connecting, servicing and

supporting devices in a framework that manages con-

sumption and encourages efficiency. In our search for

some of the key questions around smart cities, we asked

the solution providers and sought their insights on how

these cities can be built. One of the key points which sel-

dom emerges is that it would be unfair to generalize the

smart city concept globally. Indias smart cities can not

be the lookalikes of the smart cities in Europe or the USA.

Cultural and geographical challenges are bound to shape

up the cities differently in every part of the globe.

Major IT companies are evaluating the potential of smart

cities. Let us read how IT companies view smart cities inIndia and what type of business opportunities lie in them.

16|May 15, 2016 www.dqindia.com A CyberMedia Publication|

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INDUSTRY| COVER STORY

There is no

one-size-fits-allsolution for

smart citiesPURUSHOTTAM KAUSHIK

MD, Sales, Growth Verticals,Cisco India & Saarc

Currently, majority of the states in India are

blueprinting plans around how the smart city

roadmap is going to be ready. While some of

the states are ready to go to the next stage,

others are still in the process of creating

the blueprint. Cisco is already in discussions with vari-

ous state governments to transform around 20 cities into

smart, connected ones. Some of the Indian cities Cisco

is already in an advaned stage of discussion are Jaipur,

Pune, Nagpur, Navi Mumbai, NDMC and Lucknow, Mad-

hya Pradesh, Punjab, Andhra Pradesh. Beside this we

are also working with some private smart cities, industrial

townships, and large IT campus to be developed as smartcities.

Delhi Mumbai Industrial Corridor: Cisco has developed

pilot ICT master plans for four cities in the Delhi Mumbai

Industrial Corridor the $90 bn flagship public sector in-

frastructure project by the Government of India.

The four cities are:

JAIPUR SMART CITY

In an effort to make Jaipur a smart city, Cisco announced

its partnership with Jaipur Development Authority where-

in Cisco has set up the digital infrastructure to offer citi-

zens amenities including connected transport, interactive

kiosks, wireless broadband, safety and security services,

traffic management and environmental updates. To man-

age the city with greater efficiency and effectiveness,

Jaipur will also have a Command and Control Centre

as well as a Response Control Room powered by Cisco

technologies

SMART SURVEILLANCE SYSTEM IN LUCKNOW

To make Lucknow a safer city, Cisco along with

Mahindra Defence Systems, is working towards a project

under a `40 crore contract

About 10,000 drones are expected to be installed

across the city over the next one year

The surveillance project currently covers 70 crossings

where police have installed 280 cameras

Mobile surveillance vans equipped with night vision

cameras have also been deployed

CITY SURVEILLANCE IN NAVI MUMBAI

Cisco has deployed an IP-based city surveillancesystem in Navi Mumbai that includes video surveillance

which provides analytics and intelligent incident response,

emergency communication

The system also provides alerts to the Police

Department about abnormal movements/ suspicious

objects and allows better management of security through

24x7 intelligent monitoring

It facilitates faster response to security breaches and

improved turnaround time for investigation

Including Navi Mumbai, the company is carrying out

five more smart surveillance projects


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We are working towards bridging

the cybersecurity skills gap

IoT would bring a city alive withconnected sensors and devicesgenerating real-time feeds

Such an aspiring initiative

will provide benefits but

will at the same time,

expose vulnerabilities

in the form of informa-

tion security challenges. With digital

transformation, information security

needs to be considered as an inte-

gral part of the plan rather than an

afterthought. We are unlocking tre-

mendous organic innovation in our

products and working towards bridg-

ing the cybersecurity skills gap.

Symantec has a successful history

of partnering with governments and

law enforcement agencies worldwide

to counter cyber threats. In 2013,

Government of India identified a cy-

SHRIKANT SHITOLE

MD, India, Symantec

AGENDRA KUMAR

President, Esri India

bersecurity skills deficit in the coun-

try. Symantec has been contributing

towards bridging the skillset deficit

since 2012. Starting in 2012 and con-

cluding in 2016, Symantec Educa-

tion led a project sponsored by the

Government of Meghalaya (Megha-

laya Information Technology Society

(MITS)) to train the youth of Megha-

laya in IT and security principles, fol-

lowed by exams, certification and job

fairs to connect them to employers.

Last year we partnered with Nass-

com and took another big step to-

wards building cyber security skills

in India, by announcing our intent to

train over 50,000 cyber security pro-

fessionals over the next few years.

E

sri is working with govern-

ments, organizations in

India as well as globally

in helping them set up an

enterprise GIS technology

platform which is now the backbone

for customers to strategize their deci-

sion making, planning, execution and

management. We have a complete

platform ArcGIS with comprehensive

suite of tool which helps city address

different aspects of end-to-end city life

cycle. There are best practices, refer-

ences, solution templates, frameworks

and experiential learning that could be

leveraged for rapid deployment. Esris

supporting technologies that utilizeGeodesign principles would be pivotal

in building smart cities.

In India, most of the mega projects

such as like PMGSY, Highway de-

velopment, R-APDRP, and Municipal

Corporations, Forest departments,

Utilities and Transport departments

are already using ArcGIS extensively.

GIS ready data is a very essential

component in an overall GIS imple-

mentation. Almost all the mapping

agencies in India such as Survey of

India, Town and Country Planning Or-

ganizations, Registration General of

India, Forest Survey of India and re-

mote sensing centres also use Esris

ArcGIS for data creation and analy-

sis. This GIS ready data can be thebasis for smart city planning.



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Smart cities will run on

smart, digital infrastructure

Connectivity is infusing a new

layer of intelligence into cities

The foundation of Smart

Cities will be built on

open, scalable, futuris-

tic, and converged infra-

structure, which will be

complemented first by data solutions

and then, applications. And Dells

core offerings are in the compute,

storage, server, datacentre and end

devices space. If we look at these fa-

cilitators and Dells core capabilities,

we are leaders in most of the pivotal

Infrastructure pieces. As we all know,

data forms a core part of smart cit-

ies and the conversation is generally

around 3 important aspectsData

collection, Data Storage and Data

Consumption. Dells leadership in IoT

Gateways, Storage and end devices

is essential complete the cycle here.

Dell is well-equipped to create a

digital blueprint of a smart city, andhave a network of partners to provide

the application support. Our partners

bring along applications like garbage

RAVINDER SINGH

Director, Solutions Strategy &

Business Development at Dell

IoT, Smart Cities

SEKARAN LETCHUMANAN

VP, Operations, Flex

tracking, video analytics, surveil-

lance, smart utilities, intelligent traffic

management, and so on. With this

large network, we are well placed to

partner with the government in this

journey. We work with customers in

3 ways: As their digital architects to

help them create digitally enabled

smart cities, providing core founda-

tion technologies, and bringing an

ecosystem together.

In India, Dell India has been involved

with the e-Kranti project in launched

by the Gujarat State Cooperative

Credit Societies Federation, with the

objective to facilitate the delivery of all

government services electronically to

citizens. Under this context, a Memo-

randum of Understanding (MoU) was

signed between the Gujarat State

Cooperative Credit Societies Federa-

tion and Dells channel partnerEarthSyscom and Project Central Partner

Jintech Solutions for the execution of

this project.


Flex has recently acquired Wink, the smart home

platform that enables smart products to work

together seamlessly, and connect and commu-

nicate globally.

Wink improves the functionality and useful-

ness of disparate devices in the home by allowing them to

communicate with each other, while enhancing usability

through a shared common interface in the Wink mobileapp.

Wink lets you control hundreds of smart products

from companies like GE, Honeywell, and Philips from

your Android or iOS device. What does that mean for

everyday life? Imagine driving home in your Tesla. As you

turn down your street, you call up Wink on the car screen

and activate the Chamberlain garage door opener. The

Schlage lock on the door separating the garage from your

house unlocks as you approach, the lights come on, andthe thermostat is set to your optimal temperature.


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It is vital to engage with state

government, city administrationand planners to understand

their objectives and KPIsMANISH OBEROI

Head of SalesGlobal Enterprise and Public Sector, Nokia

Nokias smart city solution is designed to pro-

vide the building blocks for enabling new

smart city applications that can be rapidly cre-

ated, deployed and managed. Nokia delivers

products, tools and services for city devices

and sensors, city-wide access, a city shared network for

aggregation and backhauling of data communication, city

cloud architectures, IoT service creation, security and

threat intelligence, device and connectivity management

platforms, data collection, analytics, application enable-

ment and ecosystem, while addressing customer experi-

ence, security, scalability and professional services.

For example, through our extensive mobile networksand small cells portfolio we provide cellular and Wi-Fi

coverage and capacity to outdoor and indoor locations.

We also provide a mission critical Wide Area Network

(WAN), leveraging our IP/MPLS, optics, and microwave

products portfolio, as well as our unified service aware

network manager, converges multiple point to point

legacy networks into a single IP backbone supporting

all city agencies needs. We offer City Cloud networking

solutions to help cities reap all the benefits of an open

cloud architecture, in a secure manner. Our open cloud

networking offer comprises Nuage Networks SDN and

datacenter interconnect, offering low latency and high-

ly-secure connections in between datacenters. The IoT

Community ecosystem of the ng Connect Program in-

novative companies together to collaborate on solutionconcepts, end-to-end prototypes, business models, and

market trials.

To be able to successfully deliver digital serv-

ices over the Internet, concerns about reli-

ability, performance, and security need to be

addressed. According to our latest Q4 2015

SOTI report, the average Internet connection

speed in India is just 2.8 Mbps and ranks 114th global-

ly. Only 17% of the Internet connections in India have 4

Mbps speed or more, and only 2.8% have speeds of 10

Mbps or more. India was also among the top 10 sourcecountries for DDoS attacks and also features in the top

10 target countries for Web Application Attacks during Q4

2015. Fast Internet speeds and cybersecurity are prime

challenges and ensuring that a robust and secure infra-

structure is established should be a priority.

Akamai is partnering with organizations across different

verticals to deliver secure and engaging user experiences

to any device, anywhere. Our portfolio of web perform-

ance, media delivery, cloud security and cloud networking

solutions are integral to delivering on the promise of smartcities.

SRINIVAS PADMANABHARAO

Director, Product Marketing, Akamai Technologies

Concerns about reliability, performance,and security need to be addressed



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The challenge is primarily

two fold funds and timeVISHVESH PRABHAKARManaging Director, Sustainability for Accenture

At Accenture we have capabilities to help a

city envision its future for next 5,10,30 years

and convert that vision into blueprint of dis-

tinct programs defining objective, govern-

ance, partnerships, technology and capacity

building for each program. We are organized into 5 hori-

zontal capabilities Strategy, Consulting, Digital, Technol-

ogy and Outsourcing and these also represent our areasof specialization.

We have worked on smart cities across the globe.

For example, for Yokohoma we are leveraging multi

stakeholder partnerships to drive environment sus-

tainability while in Singapore we have worked on mak-

ing the city safer while back home in India we have

worked recently with Nasscom to demystify definition

of smart city and further west, in New York, we have

worked on 311 as a single number to call for all citizenservices.

The governments Digital

India vision is expected

to propel the country into

its next phase of growth.

While both Smart Cities

and Digital India projects will create

new economic and social opportuni-

ties, they will also bring up challenges

related to technology adoption and

implementation to make the Digital

India vision a reality.

Hitachi Data Systems is focused to

support the public safety feature for

Smart Cities, especially with the help

of its enhanced Hitachi Visualization

Solution Portfolio Hitachi Visuali-

zation Suite 4.5, along with Hitachi

Visualization Predictive Crime Analyt-

ics (PCA) and Hitachi Video Manage-

ment Platform (VMP) 2.0.

Hitachis digital technologies can

provide real-time, aggregate and

contextual data, support public safe-ty initiatives which will transform law

enforcement to prevent crimes and

ultimately make the cities safer. Hi-

tachi Visualization solutions are part

of Hitachis Social Innovation solu-

SRINIVAS RAO

Sales Director, Government

Sector, Hitachi Data Systems,

India

tions portfolio, which is committed to

the development of smart societies

that are safer.

Hitachi Visualization Suite is a

hybrid cloud-based platform is en-

hanced with predictive crime ana-

lytics, to integrate disparate data

and video assets from public safety

systems. It will provide law enforce-

ment with critical insight to improve,

and with capture real-time event data

from sensors.

Hitachis Video Management Plat-

form (VMP), an appliance-based so-

lution, comprehensively manages all

video data, and offers rich data inte-

gration management and visualiza-

tion for video applications.

Public safety is a fundamental pil-

lar of our vision for smart cities and

societies. Smart Cities needs to be

empowered with the ability to take

a proactive approach to crime andterrorism. The ultimate goal for any

citysmart or otherwiseshould be

to create an environment where peo-

ple can live without worrying about

safety.

Good transportation system is

very important to make a smart city



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Social media presents a unique opportunity

to engage citizens inidentifying andresolving key issues for the city

The dream is to have all major citiesin India safe as well as self-sufficient

tion of this is taking more time than

anticipated, many cities are indeed

gearing up to make themselves safer.

At the forefront of this adoption is

Surat which became a Safe City al-

most three years ago following the

implementation of Verint Solutions.

This precedent was soon followed

by cities in Maharashtra who have

already started implementation and

will start functioning as Safe Cities in

near future. Other cities like Hydera-

bad, Noida and Lucknow are in vari-ous stages of becoming one.

SIDDHESH BHOBECEO, eMee & Center Head at

Persistent Systems

ANAND NAVANI

Country Manager, VIS, Verint Systems

for the city, and bring in transparency

and accountability in administration.

Persistent has been working with

large, global enterprises as they go

through an exciting phase of digital

transformation in their business, and

Smart Cities are no different in need

and approach. Persistents digital

transformation platform, Vega, brings

together our traditional strengths in

big data analytics, mobile, social and

cloud to provide a strong, API-based

analytics and engagement platform

as the foundation for Smart City

projects. Coupled with immersive

user experiences through gamifica-

tion (eMee), digital content delivery

(Genwi) and monetization (Hoopz),

Vega helps Smart Cities jumpstarttheir data-driven journey of growth

and sustainability.

Smart Cities will be built

on advances in tech-

nologies like IoT (Inter-

net of Things), big data

and geo-spatial analyt-

ics coupled with rapid adoption of

smartphones and social media, al-

lowing city officials and administra-

tors to take smart decisions, allocate

resources in the most efficient and

effective way, and provide citizens

with the right information at the right

time to improve the quality of life for

everyone. Todays cities generate

huge amount of data, and the chal-

lenge is to analyze, visualize and link

it to effective delivery of civic ameni-

ties and services for millions of citi-

zens. Social media presents a uniqueopportunity to engage citizens in

identifying and resolving key issues

Smart Cities continue to

be an important agenda

for the central govern-

ment and preliminary

work has already gath-

ered momentum in many cities. Safe

and Smart Cities were also reempha-

sised by the allocation of Rs 3,205

crore in the recent Union Budget to

the development of 100 Smart Cit-

ies across the country by 2020 and

some minor reduction in custom duty

exemption for come componentsfor CCTV. Although the implementa-



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INDUSTRY| IN FOCUSOnkar Sharma

[email protected]

Innefu Labs MakesInroads into the Defense SectorInnefu Labs is a relatively younger company in the cyber security spacein India. However, the company has won quite a few elite customers fromIndian defense and CRPF for its multifactor authentication solutions. InnefuLabs is now gearing up to strengthen its footprint in India and is about to

raise funds

Although there are many organizations in the

country, providing information security serv-

ices, but there are not many Indian compa-

nies working on developing niche security

products. There was a huge gap in terms of

developing quality information security products within

the country. Innefu Labs, which is relatively younger, has

been focused on creating innovative cyber security solu-

tions for securing critical IT Infrastructure. We felt that

there is space for quality indigenous security products

which will continue to grow since these products would

offer lower costs and much better support compared to

foreign products, says Tarun Wig, Co-founder, InnefuLabs.

Innefu AuthShield, which is their flagship solution, inte-

grates multi factor of authentication (MFA) using a proto-

col decoding mechanism. The integration at the protocol

level ensures that AuthShield can be integrated into even

those applications which do not inherently provide sup-

port for MFA including SAP, Microsoft Exchange, Oracle

Communication messaging servers, Database Queries,

legacy applications etc. Major Government institutions

such as the Defence Research and Development Organi-

sation (DRDO) and National Housing Bank (NHB) are also

using the Innefu Labs security solutions, adds Wig.

DIFFERENT FROM ITS COMPETITIONFrom the day one, Innefu Labs has developed a niche in


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INDUSTRY| IN FOCUS

the indigenous cyber security product. Although there are

many established competitors in the market who are pro-

viding them multifactor authentication but their solutions

are dependent on end point applications for integrations.

Our unique solution can be seamlessly integrated with any

ERP/ SAP, Microsoft Exchange, Oracle Communication

messaging servers, Database Queries, legacy applications

etc, reiterates Wig, classifying itself from the rest.According to the company, AuthShield authentication

security is a multifactor authentication technology that

combines device mapping with multiple authentication

form factors such as facial biometrics. From the research

and development perspective, the company is working

on Artificial Intelligence to add on vocal and facial rec-

ognition.

WINNING CUSTOMERS IN THE DEFENCE

Innefu Labs has bagged a good number of customers

from the Indian Defence and other agencies in the gov-

ernments. The trust laid by Indian defence organizations

is expected to help the company customers in the enter-

prise space. Recently, CRPF has requested 1500 Auth-

Shield Tokens in the first phase and is expected to deploy

it in different parts of the country. Some of the top gov-

ernment institutions such as the Defence Research and

Development Organization (DRDO) and National Housing

Bank (NHB) are already using the AuthShield Labs secu-

rity solutions.

Innefu AuthShield is a very unique product which can

be implemented in applications such as mail clients on

smart phones / desktops, SAP, etc. This is a unique fea-ture which is not available in any other authentication so-

lution in the market, further says Wig. Despite winning

such big customers,

Innefu Labs faces challenges in terms of convincing

customers about the benefits of their solutions. As a re-

sult, we had to do a lot of proof of concepts and dem-

onstrations to get the clients to understand the solution

and figure how different and unique it is compared to their

existing solutions, shares Wig.

SEEKING FUNDS

Although Innefu Labs has won customers in the defence

and is profitable, it needs VC support to expand in the

market. The company has not yet taken any round of

funding. Innefu Labs has been a profitable venture so

far. We havent taken any angel round of funding. We are

in talks with three separate VCs for the fund-raising, and

one of them has already done a valuation process. How-

ever, since the talks are yet to conclude, we would not like

to name the investors, reveals Wig.

ROADMAP AHEAD

In 2016-17, the company intends to cover the whole In-

dian market and target Asia Pacific, South East Asia, Sri-

Lanka, and Bangladesh as potential markets for the fu-

ture. We believe our unique points give us a strong edge

over other players in the authentication market and we

should be able to treble our revenues in the coming year,

adds the Co-founder.

The company plans to lay out its full-fledged roadmap

once it is able to secure the funding. In terms of R&D it

is working on implementing authentication in embeddeddevices to cater the fast increasing IoT.

Tarun Wig, Co-founder, Innefu Labs

We felt that there is space for qualityindigenous security products which willcontinue to grow since these products wouldoffer lower costs and much better supportcompared to foreign products


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ENTERPRISE| REAL CASERuchika Goel

[email protected]

Is Your Mobile Application Secure andEnabled with Right Level of Protection?

As financial institutions capitalize on new opportunities by providingonline services, they continuously face security breaches. Lets see how abank showed 50% reduction in security issues in the subsequent mobileapplications and how these mobile applications were benchmarked againstglobal and RBI security standards

In the recent years mobile device adoption has be-

come necessary for every industry. People can eas-

ily make purchases online, check their mails, and can

also make online transactions on-the-go. One of the

biggest drivers of change in the financial sector has

been advances in technology, with many banks capital-

izing on new opportunities by providing online services

such as mobile banking.

THE FEARSA recent study discovered that 90% of mobile banking

applications have serious security problems that could

potentially compromise user data. On the same lines,

following a breach to one of their mobile applications, a

financial institution turned to Paladion to ensure that all

future applications were tested, compliant and above all

secure for their customers. The bank identified that its

mobile banking application had suffered a major security

breach, which put many of their customers at risk of

exposing or losing their banking data.

After a lot of research, the bank chose to work withPaladion because of its experience in cyber security


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ENTERPRISE| REAL CASE

and risk management. To make sure applications were

safe for customers use they decided to check the

interface of both apps using a threat-based approach

to systematically highlight possible security breaches.

Going forward, another biggest challenge was also to

devise a meticulous plan in a short time to rectify and

remove possible security threats from both apps, while

complying with the standards of RBI and OWASP within

in a short period of time.We needed to consider various elements for the banks

upcoming mobile applications like: A short go-to-market

timeline, the ability to cater to all types of mobile operating

systems (Android, Windows, and iOS), concern over the

security posture of mobile applications, and the need to

work for multiple vendors, says Rajat Mohanty, CEO &

Co-Founder, Paladion Networks.

Paladions Mobile Application Security Testing Program

included code review, mobile application penetration

testing, web application penetration testing, and security

configuration audit among other features. It also made

sure that the client creates more durable mobile apps

based on improved threat elimination approach that can

identify potential risks.

THE SOLUTION

In order to provide a solution, the provider needed to take

a number of elements into consideration for the banks

new and future mobile applications such as: A short go-

to market timeline, mobile business applications need to

cater to all types of mobile platformsAndroid, iOS, and

Blackberry, the applications needed to work for multiple

business owners and multiple vendors, and concern overthe security posture of mobile applications.

The solution provider has unique strategy. Its structured

testing methodology ensures that vulnerabilities in

applications are identified and removed. They deployed a

team of security testing experts at the banks head office,

which included trained professionals and an off-site team

of researchers who provided the required support at

every step. The bank was given customized solutions for

different applications along with its security testing plan

to achieve maximum security assurance.Awareness sessions were conducted and continuous

communication was provided with development teams to

help eradicate security issues with quick turnaround time

and remediation validation.

TANGIBLE BENEFITS

After the previous security breach, the bank has now

taken extreme precautions and is now securing its

applications with thorough security checks and a

greater awareness to avoid future incidents. They are

also considering a periodical testing system, which

would continuously ensure the security of their mobile

apps.

After rectifying the security problems, several high risk

vulnerabilities across different mobile applications were

discovered. Out of those, up to 60% risks were identified

and repaired within a span of two months.

Reduction in the go-to market time resulted in

fifteen secure mobile applications being released in

the first quarter alone. All mobile applications were

benchmarked against global security standards as well

as RBI standards and up to 50% reduction in security

problems was seen in successive mobile applicationsthat were launched.

We needed to consider various elementsfor the banks upcoming mobileapplications like: A short go-to-markettimeline, the ability to cater to all types ofmobile operating systems, and the needto work for multiple vendors

RAJAT MOHANTY

CEO & Co-Founder, Paladion Networks

|A CyberMedia Publication www.dqindia.com May 15, 2016| 27

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Onkar Sharma

[email protected]

INDUSTRY| TALKING POINT

RITESH PAI

Senior President &

Country Head,

Digital Banking,

YES Bank


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Digitization is helping banks to reach out to more customers in an innovative

way. Dataquest spoke to Ritesh Pai, Senior President & Country Head, Digital

Banking, YES Bank, to know how the bank has modernized its processes through

digitization and other technology deployments. Excerpts

STARTUPS

MOTIVATED BANKS

TO DIGITIZE FAST


How is digitization changing the banking

space in India?

Digitization is one of the key elements which

enable the banks with traditional processes

to compete and meet the customer expecta-

tions in this eCom/mCommerce universe. Various initia-

tives taken up in this space has helped banks to access

data across geographies almost near real time and hence

we can see improved efficiencies and also reduced errors

as there is no loss of information. As a result of digiti-

zation, banks now can access customer information at

finger tips and revert to the customers on various queries

in the matter of seconds which meant reduced TATs andincrease customer delight.

How do you see the challenges posed by startups

which are competing with banks through their wallet

apps?

Startups are not really competition. Startups have defi-

nitely motivated banks to move fast on the technol-

ogy space to offer convenience to the customers. At

YES BANK, we actually saw this as an opportunity and

started to partner with them. Startups can bring in agility

and innovation, banks can bring in governance and of-

fer regulatory support along with robust payment system

infrastructure and hence it showed us a clear way that

combining our strengths is the best way to go to market

and offer services.


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Which are the key initiatives undertaken by Yes Bankto digitize?

Yes Bank has embarked upon the journey to be Finest

Large bank in India by 2020 and we believe that cus-

tomer service plays a key role in determining the success

on this journey. We have identified core banking, digitized

workflows, intelligence middleware/mobility platform, and

CRM & analytics as four pillars which will determine our

ability to engage with customers through various touch

points. Over the past few years, YES BANK has been on

the journey of automation and digitization of backend

workflows and process flows, getting the elements of

middleware and mobility platforms in place. Currently, we

are running with various implementations around CRM,

big data analytics, and core banking upgrade, etc. All

these are coming up fast and will enable us to move in

the direction of offering best in class customer service.

Another area where we are focusing is to partner with al-

ready digitized industries to offer banking and payments

on their platforms and again here digitized processes and

middleware shall play a key role.

In what ways has the whole digitization helped the

bank?As mentioned earlier, the efficiencies grew to such an ex-

tent that the bank can now actually achieve scale beating

all the constraints like geographical reach, manpower, etc.

Especially in the space of payment digitization, we have

achieved multi-fold success or disproportionate growth.

With digitized payments platform, a small team can now

monitor a business that does a million transactions every

month. By partnering with a digitized entity, we now facili-

tated more than a million users to transact digitally in less

than a quarter. This scale was possible only by digitizing

the payments and processes. Digitization not only made

these transactions STP but these are conducted in risk

controlled and error-free environment

How easy or challenging has the digitization process

been for the bank?

Like any journey this has been challenging as well, this

required a lot of new ideas, investments in technology

platforms, changing mindset of internal stakeholders and

training employees. At Yes Bank, we have created an end

state picture after thorough brainstorming and have bro-

ken the journey into multiple small blocks. Now we are

moving in the direction of putting various parts of this jig-saw to complete the picture.

How do you handle the security of your various apps

and digital tools?While customer education has been one of the approach-

es, we also need to idiot proof these applications. This

can only come from immense understanding of the proc-

ess, risks and build in controls that can be layered into the

digital framework with minimum friction.

What is the total digital spending planned for this

year?

At Yes Bank, we follow a merit based funding rather than

a budget based funding when it comes to investments in

technology. Between 2015-18, bank has invested in core

banking upgrade, mobility platform, enterprise middle-

ware, CRM, master data management, analytics platform,

big data, credit card platform, digital channels like inter-

net, mobile app, wallet, social media banking, UPI, BNA,

kiosk banking, etc. All these simultaneous investments

were possible only because of the merit based funding

approach by YES BANK

What are the ongoing projects?

Some of the projects at Yes Bank: Mobile banking up-

grade, core banking upgrade, implementation of MDM/

CRM and big data platforms, enterprise mobile applica-tions, etc.



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INDUSTRY| IN FOCUSAshish Gulati

[email protected]

Building Citiesfor TomorrowGovernment to rebuild 100 cities with basic infrastructure, transportation andICT, which will link every aspect of city life


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INDUSTRY| IN FOCUS

By 2030, 40% of Indias population will be living

in urban areas and contributing 75% of GDP. An

estimated 400 mn people are expected to mi-

grate to cities over this period. In fact, the great

rural-to-urban migration has already begun.

To meet the challenges these changes will raise and

the pressure will be added on basic services, utilities

and on an already crumbling infrastructureIndia

needs to build new cities and create new jobs over

the next two decades. This will, however require well-

planned development of physical, social, economic, and

institutional infrastructure.

Indian government has already made a start and

work is being done at a fast pace

to achieve the targets. Recognizing

that urban centers are engines of

growth and employment, it has

launched a strategic initiativethe

smart cities mission. Under the smart

cities mission, the government will

virtually rebuild 100 cities with basicinfrastructure, including transportation

and ICT, which will link nearly every

aspect of city life.

SMART CITY PROGRAMS

There is a big push for smart cities.

The government has allocated

significant capital both at the central

and state levels to make these

a reality. Smart cities promise to

reinvigorate local economies and improve the quality

of life. But the smart city programs encompass several

components which need to be linked together for this

project to be successful.

Smartphone penetration and fast bandwidth is the

key to smart city programs and is needed to connect

citizens, businesses, and the government on a fast

network. In India, the pace of smartphone penetration

is rising quickly. 4G would play a key role in connecting

and usage of Smart phones. Telecom operators are

already gearing up their infrastructure to roll out 4G

services.

Every city needs reliable power and Indian citiesneed a lot to do to deliver reliable electricity at the best

possible price. Too many smart city programs globally

follow the western model of centralised power plants

and grids. While India still grapples with challenges

like Internet availability, bandwidth issues, power and

internet reliability, the prospect of large scale adoption

of internet of things (IoT) in the power sector might

seem like a remote possibility, or one for the very distant

future. However, with the governments plan to create a

$15 bn Internet of Things (IoT) market in the country by

next five years, or the 100 smart city project under the

IoT policy, there is significant scope for growth in the

power sector as well.

Transportation will also play a vital role in any smart

city program as it deals with the

efficient movement of goods and

services. Today, India has about

150 mn vehicles and the roads are

already choked. The goal of smart

transportation is to help people move

around and use efficient public and

private transportation system morethan personal vehicles. The success

of Ola Cabs and Uber in India is an

encouraging sign. It means that Indian

consumers want efficiency, not just a

car for sitting which not only wastes

time and money but also pollutes the

environment.

With GPS technology in car

navigation and the capability to

receive signals from multiple satellite

systems to collect information has improved accuracy

and response time in determining vehicle position which

has expanded the utility of this function beyond basic

navigation to safety-related applications.

Indian telematics market is exhibiting growth and

consumers are becoming more cautious about their

safety while driving. Moreover, automobile companies are

collaborating with telematics manufacturing companies to

develop in-built telematics systems during the production

process itself. Added to this, the low-cost telematics

solutions which are embedded in the automobiles is

encouraging end users as they are able to afford this

technology and also enjoy the services being provided bythis technology.

Transportation willalso play a vitalrole in any smartcity program asit deals with the

efficient movementof goods and

services

|A CyberMedia Publication www.dqindia.com May 15, 2016| 33

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The author is Country Head, Telit India

INTERNET PLAYS A VITAL ROLE

The Internet-ready vehicle also brings with it a host of

security concerns related to the data it generates. Like the

smartphone platform, the new cars are embedded with

this technology face critical issues related to business

model, standardization etc. The absence of a certified

body or an agency for standardization and regulations

of Telematics industry is the biggest challenge faced by

this sector. Regardless of certain core challenges like

adoption of technology, developing

countries have a massive potential

to leverage and reap benefits of road

safety and also improvements in

economic efficiency.

Internet of Things will also play a

vital role in building smart cities. IoT

is already heralding transformation

across industries and it will bring

about significant changes in

the coming years. IoT can help

organizations utilize their business

infrastructure and assets in innovative

ways to offer new services and deliveradditional revenue. Moreover, deriving

meaningful information from the huge

volumes of data that IoT produces

can improve decisionmaking and

enable proactive, predictive insights.

While the scope and potential of IoT

is vast. There are many advantages of incorporating IoT

into our lives, which can help individuals, businesses,

and society on a daily basis. For individuals this new

concept can come in many forms including health, safety,

financial, and every day planning. The integration of IoT

into the healthcare system could prove to be an incredibly

beneficial aspect for both the individual and the society.

A chip could be implanted into each individual, allowing

hospitals to monitor the vital signs of the patients. IoT can

also function as a tool that can help people save money

by making home appliances communicate in an energy

efficient way.

IoT has innumerable opportunities and provides

innovative services that can be offered using smart

devices, machines and products. Organizations can

benefit from new revenue streams generated by new

business models and services, as well as reduced time tomarket and increased returns from their R&D investments.

INDUSTRY| IN FOCUS

Todays manufacturers face extraordinary challenges in

the form of rigid specifications, tight timelines and even

tighter budgets. This sector also includes asset tracking

of large industrial equipment and the monitoring and

control of factory assets. Analog sensors, for instance,

are used to measure real-world conditions and process

control systems measure performance analysis and

control of manufacturing

The penetration of smart phones with latest technology

in the next few years can distribute

sensors and instruments throughout

the community that can be used by

people without medical training to

gather key medical data in real time

and transfer it to a core body of

doctors and experts for analysis. 4G

will allow for remote video connection,

and combined with real time sensor

data of blood analysis, iris scan,

brain imaging, etc, can help experts

quickly diagnose most ailments and

prescribe solutions.

Some interesting examples are,trash bins announcing when they

need to be emptied mainly seen

in western countries; automatic

control of flow in storm drains to

avoid flooding; parking spaces that

communicate when they are free;

smart and connected lamp posts providing street lighting

when required to save energy and that can measure

particle concentrations in the air; as well as providing Wi-Fi

and installing sensors in homes to detect the movements

before damage the building. The list is endless but India

has miles to go to achieve this excellence.

The biggest challenge for the Smart Cities Mission will

come from the challenges faced during implementation

and the mindset of the people. They need to understand

that cities are engines of future growthand urbanization

is an inevitable necessity. Major reforms in contract

enforcement, environmental clearances, land acquisition

and permit and procurement processes are required at

the state and city levels to accelerate the

implementation of this initiative through

public-private partnerships (PPPs).

4G will allow forremote video

connection, andcombined withreal time sensor

data of bloodanalysis, iris scan,brain imaging, etc,

can help expertsquickly diagnose

most ailments andprescribe solutions


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INDUSTRY| IN FOCUSBhaskar Ghosh

[email protected]

How a Liquid Workforce will PropelOrganizations into the Digital LandscapeOrganizations can use technology not only as a disruptor, but as a wayto enable their people, projects and entire operations to become highly

adaptable, nimble, and liquid to effectively compete in todays ever-changing digital landscape

Technology continues to strengthen its posi-

tion as a primary driver of profitability and

market differentiation in almost every industry.

Pioneering companiesstart-ups and larger

enterprisesare embracing social, mobile,

cloud, and analytics to transform themselves into truly

digital businesses. And advancements in technology

continue to accelerate at an unprecedented rate, further

disrupting status quo.According to findings from the Accenture Technology

Vision 2016 global survey of more than 3,100 business

and IT executives, 33% of respondents believe that the

global economy is already impacted by digital. Whats

more, 86% of survey respondents anticipate that the

pace of technology change will increase at a rapid or

unprecedented rate over the next three years.

While keeping up with the pace of the digital landscape

is critical to compete and stay relevant in the market, there

is one essential ingredient which established enterprises

and start-ups are overlooking in their fervent quest for

growththe workforce.

Companies cannot survive with only technology running

their business; they need to harness the technology to

enable the right people to do the right things in a highly

adaptable, change-ready and responsive liquid culture.

This is identified as the Liquid Workforce one of five

trends (along with Intelligent Automation, Platform

Economy, Predictable Disruption, and Digital Trust) in

this years Accenture Technology Vision 2016.

Look into the workings of any tech startup and youll

witness work being done differently. These companies

operate in a dynamic culture shaped by passion,innovation and agility. This is the kind of culture that

a digital workplace will look like in the not-too-distant

future.

A dynamic culture is not often associated with

traditional organizations. There are exceptions though. GE

for example is changing its culture to push the historical

boundaries of success. Through a new approach called

FastWorks, GE is embedding lean startup practices into

the workforce. It is empowering its people to change

faster and make smarter decisions while staying closeto its custo

Dq May 152016

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