Insights Success has shortlisted “The 10 Most Promising BI and Analytics Solution Providers, 2018” that are leveraging the potential of data in the most effective and swift manner to bring-forward operational efficiency in the most cost-effective manner. Featuring as the Cover Story of the issue, we have Snype, a leading BI company specializing in the massive treatment of data especially in telecommunication, banking, and fintech verticals, among others.
The 10 most promising bi and analytics solution providers 2018
1. Loic Malassis
CEO
March 2018
www.insightssuccess.com
Most Promising
BI
Analytics
Solution Providers
2018
Snype: Specializing in the
Treatment of
Data Analytics
Company of the Month
Lokesh Gupta
Co-founder
RM Applications
Brand of the Month
General Manager &
Business Head
Promax, Wipro Ltd.
Dinesh Rathi
An Insight on the
Opportunities in the
Big Data Industry
Industry Insight
Top Queries to Ask Your IT
Provider — Before You Do
Business with Them
IT Insights
2. Omnichannel Agent
and Customer
Engagement Solutions
Simplify and personalize the customer experience,
empower agents and achieve business success
with one workspace for all channel interactions,
application integrations, and CX reporting.
3.
4. BI and Analytics:
Revolutionizing the
World of Data
rrespective of whether you are a popular or successful business or if you’re an emerging start-up
Ifloating in the pond of constant, the need for analyzing data to make calculative and informed
decisions is of utmost importance. In this day and age, one which is regarded as the age of
Information Technology, leveraging information from data in real-time has become a key differentiator
between the success and failure of an organization.
Owing to the surging growth of internet based technologies, the quantitative amount of information
generated is ginormous, making it a critical parameter for attaining optimal efficiency in decision-making.
But there lies a key need to understand that the real power is not the abundance of data and information,
rather it is translating those Petabytes of data into important insights. And, that power lies in the hands of
business intelligence and analytics.
For many decades, Business Intelligence has been the provincial key holder for large organizations; for
those organizations which can afford a rich collection of data centers and boasts the strength to analyze
that vast quantity of data. To the contrary, for years small companies have relied on basic desktop
publishing and excel sheets to monitor data. Presently, with the emergence of affordable and dedicated BI
analytics platforms in the market, small and medium sized businesses can also reap the benefits of the
ongoing BI revolution.
This evolving scientific technology boasts the ability to make your business more effective and lean. It
stabilizes your company’s future by extensively analyzing past trends and extrapolates likely future
Editor’s Note
5. outcomes. Rather than depending upon human gut feeling, through BI you can gain actionable
insights to make productive decisions.
Seeing the evolving landscape in the data analytics space and rising growth of business intelligence
services, Insights Success has shortlisted “The 10 Most Promising BI and Analytics Solution
Providers, 2018” that are leveraging the potential of data in the most effective and swift manner to
bring-forward operational efficiency in the most cost-effective manner.
Featuring as the Cover Story of the issue, we have Snype, a leading BI company specializing in the
massive treatment of data especially in telecommunication, banking, and fintech verticals, among
others.
Standing out as our Company of the Month feature, RM Application provides technology solutions
for conventional and Islamic financial institutions in the areas of Remittance & Payments, ALM &
Liquidity (Basel 3) Reporting Data Mart, ETL Consulting, SSIS Consulting, Customized Data Mart,
Localization and integration of Partners’ Solutions. And our Brand of the Month feature, Wipro
Promax, which is a world–leading specialist in delivering a combination of Trade Promotion
Management and Optimization Solutions for Consumer Goods Companies to maximize returns on
trade promotions.
Additionally, we also have featured Algomus, which is the world’s first Enterprise Analytical
Workbot, Algo, and ML powered Collaborative Intelligence framework that enables anyone to
collaborate and interact with their business data in an easy and streamlined way; Panoply, which is
an AI-driven and autonomous cloud data warehouse, wherein clients can turn big data into insights in
minutes without additional data engineering resources; RPMG, a business intelligence platform that
empowers clients’ revenue performance by utilizing innovative business intelligence techniques; and
Versium, which offers data, AI tools and analytics insights to understand, evaluate and achieve
desired marketing ROI for digital marketing campaigns.
Also, make sure to flip through our articles, written by our in-house editorial team; as well as CXO
Standpoints of notable industry personalities.
Let’s dig-in shall we?
Sourav Mukherjee
6. CONTENTS
Snype:
Specializing in the Treatment
of Data Analytics
08
Cover Story
Articles
An Insight on the
Opportunities in the
Big Data Industry
Industry Insight
26
Big Data: Transforming
Businesses Altogether
Data Talk
38
Digitizing and Optimizing
your Trade Promotions
Wipro Promax:
Brand of the Month
16
A Premium Provider of Advanced
Technology based Remittance, Risk &
Regulatory Reporting Data
Management & Innovative Solutions
RM Applications:
Company of the Month
22
7. Emerging Tech,
Revolutions & Crisis for
Entrepreneurs: Insights from
a true Globe Trotter
Inside Entrepreneurship from
Emerging Markets
32
Regulating Fintech:
Now the Regulator Needs to
be more Tech than Fin
Top Queries to Ask Your IT
Provider — Before You Do
Business with Them
Thought Leadership
IT Insights
44
50
Bridging the Gap between
Humans and Machines
Algomus:
30
The World’s First Cloud
Smart Data Warehouse
Rolling the Moneyball of
Revenue Performance
Riding on Revolutionary
Marketing Insights to Bring
Digital Marketing home
Panoply:
RPMG:
Versium:
36
42
48
11. Snype:
Specializing in the Treatment
of Data Analytics
“More than 10 years of experience has
enabled us to develop a suite of
products based solutions.”
12. hat gets measured, gets managed.
WThe utilization of statistics based data insights and the
striking realization that the information gathered from the
same can be of utmost value, has and will continue to cause
a serious ripple effect in the business world. It has been
proven for decades that being smarter translates into
success, and data analytics has had a big role to play in
ensuring competitive business advantages, as far back as
th
the 19 century.
But over the years data has radically evolved, whether it is
in terms of type, volume, or velocity. The rapid
transformation in the ‘data world’ is attributed to the
surging pace of digitalization of business processes across
the globe, making data the new business currency. It is
expected that the percentage of digital data produced will
exceed by 40 zettabytes (one sextillion bytes!) over the next
eight years, which would mean 5,200 GB of data for every
single person. Translating this ginormous amount of data
into valuable insights is where the main concern lies. The
potential value of Big Data is reaped only when it is
accurately extracted into information, which would then
have the ability to deliver radically better business
outcomes.
Standing out from its crowd of competitors, Snype is one
company which specializes in the massive treatment of data
especially in telecommunication, banking and fintech
verticals, among others. With over 10 years of experience in
Big Data, Snype is referenced today along with major
operators across Europe, Africa, and LATAM regions, and
provides all kinds of analytics on top of the data treatment.
The company has developed applications which allows
customers to have a simple access to all the information and
provides its customers with all the requisite knowledge
regarding the overall business unit.
Knowledge is Power
Snype’s unrivaled knowledge enables it to boast the ability
to tell its clients where opportunities will lie tomorrow. It
does so by analyzing gigantic amounts of data to uncover
hidden patterns, correlations, and other mandatory insights.
The company not only has the capability to manage billions
of tickets and millions of files per day but it can also verify,
classify, and provide significant information on all aspects
of the business. Snype helps business units to know predict
and anticipate action and control and quantify the effect of
decisions. The experts working at Snype add on top of the
big data treatment a fantastic value to the data itself.
Core Composition
Offering modular scalable and non-intrusive solutions with
fast implementation, Snype’s core services are composed
with:
l Data Collection Engine
Ÿ All Network Elements & Operational
SystemsScalable, Distributed and Parallelized
Processes
Ÿ Full traceability; Detects late, Missing or
Corrupted files
Ÿ Billions of Tickets and Millions of Files Processed
per day
l Data Visualization Engine
Ÿ Secured Web based Reporting system with
Geographic Information Capabilities
Ÿ Automated Publication and Export options to XLS,
PDF, and PPT via Email
Ÿ Competitive Licensing Model
l Central Monitoring Engine
Ÿ Web-based Transparent Interface
Ÿ Process Automation and Recovery
Ÿ Process Supervision: Execution and Performance
Monitoring at every step
“Snype provides
a Business
Intelligence engine.”
Cover Story
13. Product Package of Snype
The Commercial Pack: This pack optimizes the clients’
investments, improves sales quality, allows tracking of
sales, customer segmentation, facilitates customer
satisfaction, market share, distribution channel and
commissioning, and inventory and churn analysis.
The Marketing Pack: This pack provides key valuable
knowledge to the clients’ agents to improve customer
satisfaction. It includes know your customer’s device, and
propose of the adopted VAS and campaign management.
All usage is tracked and classified in this pack, as well as
revenues on all components, and the profitability per offer,
prediction model and performances, and top-up booster and
campaign management.
The Financial Pack: This pack secures costs and revenues,
eases monthly closings, ensures 99.99% accuracy on
prepaid revenues, and all the needs are covered regarding
fraud and revenue insurance on all business lines, including
prepaid.
The Technical Pack: This pack optimizes the clients’
CAPEX, secures upgrade and migrations.
The Mobile Money Pack: This final pack secures the
financial flows and prevents occurrence of frauds.
Some of the Additional Services of Snype includes:
Installation & Integration, Providing and deploying
hardware (servers, switch, or SAN), Installation and
configuration of System & Database, Adaptation to clients’
environment, Performing Parameterization (offers, VAS,
cells, region, etc), User Training, Maintenance & Support,
System and Database Administration, Daily operations and
minor evolutions, Support Level 2, Upgrades & Patches,
Ad-hoc operations, Training, Specific developments and
major evolutions and Ad-hoc Analysis.
Overcoming Market Changes
Snype has been consistent in using the best of each
technology to optimize its own solutions; so that any new
and efficient tool or technology will always be analyzed and
integrated if it makes sense or if it is optimizing the end
result.
14. With its customer base rapidly evolving across
different environments, Snype has developed a
greenway to develop Big Data as the solution needs
less server space and electricity to operate in, rather
than having your own in-house premise.
More than what it seems!
Snype is more than a database vendor, like Oracle or
Hive, as it provides the data model. It is more than a
Business Intelligence vendor, like QlikView, Tableau
or Business Objects, as it provides the included
dashboards. It is more than an ETL vendor, like
Datastage, Pentaho, Talend or Informatica, as it
provides ready to use and optimized data management
processes. The company is more than a data-mining
vendor, SAS, SPSS, KXEN or R, as it integrates them
in an optimal manner into the data management
processes. Lastly, Snype is more than other well-
known IT integrations and consulting companies, as it
makes its clients gain time and control costs with its
end-to-end product based approach.
Planning a Future that Brings Success
The coming years will see a bloom in the usage of
analytics across all sectors, as information will start to
be a key factor behind the success of organizations in
different industries. Analytics provide that much-
needed knowledge, security and verification of
information, which is needed to take the correct
decision. Being an expert in Telecommunications and
Banking, Snype is ready to apply its knowledge
across other sectors, like transport, health, security
and others. Although the amount of data is less
significant in these sectors as compared to the
Telecommunication and Banking sector, but the need
to identify and verify is of optimal importance, as
well.
A Leader with years of Industry Experience
Loic Malassis, the CEO of Snype, is the leader who
ably led the company on his shoulders towards
success. Loic holds a master’s degree in engineering
from both French and Japanese Universities. He has
multiple patents in Data-mining and Machine-to-
Machine. His experience portfolio includes
Consulting for Ernst & Young, Gemini, with mission
in the areas of Financial Audit, Risk Management,
and HR automation and analysis. He has also
occupied positions as the director of internal controls
and audit, and has later served in IT Departments in a
key telecommunication company, prior to founding
Snype. His diverse experience has naturally provided
a holistic view to develop and manage a Big Data
Business Suite Solution for Telecom, Financial
Institutions and Fintech.
“We are a team of dedicated
professionals, with a high experience
in Telecom and Media, ready to
share this experience to make you
gain time and efficiency.”
Cover Story
15.
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CORPORATE OFFICE
17. Management BriefCompany Name
Milan Desai
Co-founder
Armen Margaryan
CEO
Panoply Technologies
panoply.io
QlikTech International
qlik.com
RPMG
rpmgi.com
Dinesh Rathi
General Manager &
Business Head
Mike Capone
CEO
Versium
versium.com
Chris Matty
CEO & Founder
Yaniv Leven
Co-founder & CEO
Algomus
algomus.com
Margasoft Corp
margasoft.com
Wipro Promax
Analytics Solutions
promax.wipro.com
Ezdatamunch
ezdatamunch.com
RM Applications
rma.com.my
Craig McKell
CEO
Algomus has the world’s first Enterprise Analytical Workbot, Algo, and
ML powered Collaborative Intelligence framework that enables anyone
to collaborate and interact with their business data in an easy and
streamlined way.
EzDataMunch provides BI Dashboards and Consulting
Services to help companies with business growth by providing
insights into business performance.
Margasoft Corp specializes in creating uniquely tailored
software solutions which reflect and automate the business
processes of your organization.
Panoply is an AI-driven and autonomous cloud data warehouse.
With Panoply, clients can turn big data into insights in minutes
without additional data engineering resources.
Wipro Promax is a world–leading specialist in delivering a
combination of Trade Promotion Management and
Optimization Solutions for Consumer Goods Companies to
maximize returns on trade promotions.
QlikTech International AB, a business intelligence software
company, develops and provides in-memory analysis and
reporting solutions for enterprise and individual customers.
Lokesh Gupta
Co-founder
RM Application provides technology solutions for conventional and Islamic
financial institutions in the areas of Remittance & Payments, ALM & Liquidity
(Basel 3) Reporting Data Mart, ETL Consulting, SSIS Consulting, Customized
Data Mart, Localization and integration of Partners’ Solutions.
RPMG is a business intelligence platform that empowers
clients’ revenue performance by utilizing innovative business
intelligence techniques.
Versium offers data, AI tools and analytics insights to
understand, evaluate and achieve desired marketing ROI for
digital marketing campaigns.
Amjad Hussain
CEO & Co-founder
Snype
snype.org
Loic Malassis
CEO
Snype specializes in the massive treatment of data especially in
telecommunication, banking and fintech verticals, among
others.
18. About Wipro’s Consumer
Goods Practice
Wipro is a leading IT, consulting
and business process services
company that delivers winning
business outcomes through its
deep industry experience and
360 degree view of "Business
through Technology.” By
combining digital strategy,
customer-centric design,
advanced analytics and product
engineering approach, Wipro
helps its clients create
successful and adaptive
businesses. Wipro’s Consumer
Goods practice helps its clients
build great brands and re-
engineer the way they connect
their brands to their consumers
by moving ahead from insight
to foresight. To know more
about how Wipro helps CPG
industry leaders do business
better, please visit
http://www.wipro.com/industrie
s/consumer-goods/
Wipro Promax:
Digitizing and Optimizing your Trade Promotions
The Consumer Packaged Goods
(CPG) industry is now in the
“Digitally Enabled Shopper
Era” and is faced by increasing
demands of the omni-channel
ecosystem. In order to achieve
sustained business results and to stay at
pace with competition, companies are
left with no choice but to embark on a
digital transformation journey, in
collaboration with their trading
partners.
Funding trade promotion continues to
be seen as strategic for enhanced
trading partner collaboration. Trade
spends around 15 to 25% of revenues
are typical of progressive CPG
businesses. However the mostly post
facto, rear view mirror and often
delayed assessments of trade funds
ROI are still prevalent and are
inadequate to drive timely course
corrections and adjustments to drive
trade campaign effectiveness. Tighter
engagement with the digital savvy
consumers across channels requires
real time visibility to event specific
performance indicators and cognitive
capabilities for ongoing optimization
of campaign and funds.
Trade funding and managing the e2e
campaign process is a cross functional
activity, involving sales, marketing,
supply chain and finance departments.
Often, disparate systems and
unavailability of timely data to
understand and control is a constraint.
Integrated solutions with powerful
predictive capabilities that leverage
channel/consumer insights and
analytics, enables transformation
towards a more dynamic optimization
and monitoring of trade funds.
Wipro Promax Analytics Solutions
(WPAS), a part of Wipro Limited, is a
leading provider of solutions and
services for Trade Promotion
Management and Optimization (TPx)
for the CG and Pharma industries. The
Promax solutions have evolved across
decades of experience in collaboration
with global consumer packaged goods
manufacturers and retailers, and caters
to multiple markets across the globe.
According to Dinesh Rathi, General
Manager & Business Head –
Promax, Wipro Ltd., “Our focus and
investments are more towards Trade
Promotion Optimization (TPO), where
customers can plan their promotions
predictively. They can simulate various
promotional scenarios and review its
impact on financial and volumetric
outcomes (constrained optimization).
Promax Optimize is designed for
business users using advanced
March 201816
19. Optimize is a dedicated Trade Promotion Optimization
(TPO) solution that can be bolt-on to any third party TPM.
Wipro also offers Integrated Trade Services for Trade
Promotions covering Data Science as a Service, Analytics
and Reporting as a Service and Business Process
Consulting.
Both Promax Advanced and Promax Optimize can be
deployed on premise or on cloud. The depth of
Dinesh Rathi
General Manager & Business Head
Promax, Wipro Ltd.
March 2018 17
Brand of the Month
• Rise in net sales by more than $ 0.85mn and margin by
more than $ 0.6mn.
• Timely and accurate visibility of Trade Spend ROI and
promotion effectiveness for both customer and
retailers.
• Visibility to the most effective promotion tactics and
pricing strategies.
For a global health and personal care
company:
• $3MN+ rise in incremental net revenue in 6 months.
• Predictions have improved forecast accuracy Mean
Average Percentage Error by 11%.
• Improvements in % loss making promotions from 55%
to 31% to date.
• Improvements in promotion forecast accuracy from 64%
to 83% using prediction.
• Increased Promotional ROI whilst maintaining retailer
margin.
For a multinational manufacturer and
marketer of branded consumer foods:
Microservices Architecture and Machine Learning
Algorithms. The solution can bolt-on to any existing Trade
Promotion Management (TPM) systems and can interface
with internal and external data sources.
Our customers have gained several qualitative and
quantitative benefits such as visibility to the most effective
promotion tactics and pricing strategies and savings in
operating income. The customer now has a single
consolidated trade promotion planning and analytics
solution to provide users with visibility to both predicted
and actual key individual promotion KPIs.”
Wipro Promax Solution Suite for Trade Promotion
Management and Optimization
Promax Advanced is a Trade Promotion
Management/Optimization (TPx) solution while Promax
Case-in-point
20. Promotion, and Promax, is a part of Wipro’s larger vertical
focus on Integrated Sales and Marketing (ISM). ISM brings
together various data streams and processes that help
consumer goods companies to move from sensing
consumer demand to driving consumer behavior.
Dinesh Rathi, says, “We collaborate with customers to
generate sustained business benefits. This entails moving
beyond the specific IT services and solutions to identify and
transform processes creatively.
Besides, we have been continuously adding new
functionalities and advanced capabilities to the TPM
product, Promax Advanced, based on market needs. In the
latest release of the product, we worked on simplification to
provide an enhanced usability to customers. The
configurable summary dashboard allows each business user
to have a relevant and intuitive view of metrics facilitating
actionable insights.”
Wipro Promax solutions have sophisticated Business
Intelligence capabilities and dashboards tailored to each
stakeholder to provide pertinent information at a glance.
The highly visual and intuitive user interface provides
“
What is my return on my trade
promotion investments?
What are the most effective
promotion tactics and pricing
strategies?
How much does cannibalization and
pantry loading effect impact my
promotional outcomes?
Are my promotions growing the
category for trade partners?
To what degree are my promotions
causing brand switching behaviour?
functionalities offered by the Promax suite of solutions is
complemented by Wipro’s rapid implementation and
support capabilities across the globe, a strong R&D team
working on enhancements to the product and best-in-class
data scientists and business solution consultants working
with CPG customers to generate tangible business
outcomes. Ranging from end-to-end promotion
management to effective trade spend optimization using
advanced analytics and predictive planning, the Promax
suite of comprehensive solutions and services are packaged
to deliver exceptional returns from trade spend.
Wipro’s Consumer Goods practice aims to help its clients
build great brands by connecting better with their
consumers. Wipro’s strategy for CG industry is to help
customers accelerate growth in their existing portfolios and
to build new capabilities to drive consumer engagement.
Wipro brings its domain expertise in enabling digital
transformation, omni-channel commerce, value chain
optimization and advanced analytics to ‘meet’ and ‘shape’
customer expectations. In the past couple of years, Wipro
has made substantial investments in Digital, Artificial
Intelligence, Cloud and Start-ups to improve its services
and capabilities in order to serve clients better. Trade
“ “Software and
services packaged
to deliver
exceptional returns
from trade spend.
Gain the visibility needed
to answer these critical questions:
March 201818
21. business users with a seamless user experience. Wipro
Promax also offers Analytics Services, providing a full
range of data cleansing, transformation, and data
consolidation services to help CG companies have a
comprehensive promotional data repository.
A key advantage of opting for Wipro over any other TPx
solution provider is that there is no involvement of any third
party vendor for the implementation or on-going support of
Promax solutions across the globe. Additionally, being part
of the larger organization - Wipro, CPG companies can
leverage Wipro’s capabilities in domain consulting, big
data, digital, AI, cloud, hyper-automation and other
services.
From reactive transactional to proactive and predictive
We are in the times of digital transformation where
companies are struggling to capture and make effective use
of data. Data driven decision making eliminates uncertainty
to a large extent. Therefore, companies which embark on a
digital transformation journey sooner are likely to gain a
competitive edge.
Wipro enables its customers with cutting edge technology
and acts as a partner, leading our customers to the forefront
Brand of the Month
in terms of digital and cognitive capabilities, with a sharp
focus on the business outcomes that we create for our
customers.
Most CPG companies in the developed markets today, have
some form of Trade Promotion Management (TPM) tools.
Such tools provide transactional improvements but lack the
capability for ROI analysis and promotion optimization.
Wipro’s Promax Optimize (TPO) provides companies with
a platform to integrate “data” from multiple systems,
converts large volumes of data into useful information and
consumes such data for forecasting. Built on an industry
leading BI technology stack, Promax Optimize offers a rich
repository of core reports to allow users to quickly evaluate
the effectiveness of their trade promotion decisions. The
solution is scalable and configurable, and provides
flexibility to create ad-hoc reports and role based personal
dashboards with seamless integration to smart devices such
as iPads/ phones, tablets etc.
Promax Optimize extends the capabilities of any TPM tool
via improvements in
1 Supply Planning – as accurate predictive demand
signals inform production decisions and inventory
levels.
2 Cash Management – as effective and accurate
planning helps the business predict and manage trade
spend accruals.
3 Profitability – as companies allocate resources to those
promotions that provide the best return on trade
investment, remember what gets measured typically
gets improved.
4 Collaboration with trade partners – by defining
mutually agreed and sustainable success metrics for
promotional activity.
5 Visibility – to best and worst promotional plans, tactics
and pricing inputs thus maximizing ROI on trade
spends.
Embark on a digital
transformation journey
and enable industry
leading trade
promotion optimization
and revenue
management
capabilities with
Wipro Promax.
““
March 2018 19
22.
23.
24. pool worldwide. RMA continues to generate growth for its
clients with cutting-edge innovation and latest tech
solutions. The company also fosters a culture of honesty,
integrity and business ethics to provide clients with a
reliable solution provider.
A Venture Guided by Original Insights
It is important for companies to understand its clients and
its concerns before offering them a complete solution. This
is how RMA came into the fore of BI and Analytics. After
speaking to its clients, RMA founders realized that the
existing Enterprise Data Warehouse was not able to meet
the requirement of its clients. At the time, data
standardization, data quality, replicating original data values
were not up to the mark for many businesses. Hence, RMA
founders decided to adopt bespoke data marts, which were
more efficient and provided value of money in each case.
Data marts met the requirements of RMA clients by making
the semi-processed data available. This made it easier for its
clients to feed the data into Risk and Regulatory Reporting
engine to generate reports and conduct further analysis.
Currently, RMA provides a range of solutions along with
data mats to further boost the business of its clients. Its
added solutions include data management for Asset
Liability Management, Basel 3 (Liquidity), Fund Transfer
Pricing, MFRS9 (Malaysian Financial Reporting Standards)
and other Regulatory Reporting.
With an unwavering thought of “Why it can’t be
done?” a group of professionals with boasting
years of experience within the finance and
banking industry joined hands to form RM Applications
Sdn. Bhd. (RMA) – a MSC status boutique software
company. Based out of Kuala Lumpur, Malaysia, RMA
started its journey as a delivery oriented system integration
company and later went on to be a provider of end-to-end
bespoke technology solutions for Conventional and Islamic
Financial Institutions. The company successfully delivers
leading edge technology solutions in areas such as
Remittance & Payments, ALM & Liquidity Reporting Data
Mart, Data Management (ETL) Consulting & Development,
Bespoke Data Mart, Localization and integration of
Partners’ Solutions.
Core Values of RMA
RMA offers various solutions for its clients including
Consulting, Implementation, bespoke solution
development, Integration and Technology convergence. It
also offers Program and Process management and delivers
end-to-end business enabling IT solutions. Furthermore,
RMA has followed a simple but fundamental principle in
order to build great relationships with its clients. RMA has
invested in trust, faith, and respect in order to affirm its
long-term commitment to the clients. Over the years, RMA
has enabled its clients to meet their desired goals and
expectations time and again in order to build a large client
RM Applications:
APremiumProviderofAdvancedTechnologybasedRemittance,
RiskRegulatoryReportingDataManagementInnovativeSolutions
March 201822
25. “A Complete Range of Financial Solutions
RMA with constant innovation has been innovating with its products
consistently to make it easier for businesses to make finance look like a
cakewalk. The company achieves this goal through its offering of many fully
featured products, which cater to various demands of businesses. Some of
its flagship products are detailed below.
OmniRemit (Remittance Solution Suite) is a Remittance and Payment
Solution made for various types of Remittance Houses, Conventional and
Islamic Banks, offering Cross Border Remittance. The solution makes it
convenient for clients to engage in Online Remittance, Branch
Remittance, and Remittance Back Office solutions. The solution complies
with Bank Negara Malaysia’s legal requirements and also adheres to
AMLA guidelines. The solution features support for MoneyGram and
clients can avail straight through processing along with real-time
interface with cross border remittance corridors for transaction
processing.
OmniData (Risk/Reporting Data Mart) ETL Consultancy
specialize in meeting the needs of financial institutions like banks in
data repository for Asset Liability, Basel 3 Reporting Risk
Management Solution. The solution integrates various complicated
data computation methods and makes integration essential for Data
Company of the Month
Lokesh Gupta
Co-founder
RM Applications
March 2018 23
26. guide the company to solve some of the most difficult
challenges in IT innovations. He has worked in Financial
Solution Consulting, Regulatory Reporting, Data Mart
Development and Project management for over 17 years. At
RMA, he is involved in Asset Liability Management, Basel
III, Risk and Regulatory Reporting Data mart Development
as well as Remittance Payments Solution
implementations in the region. He regularly contributes to
the industry with his knowledge and insight. He has co-
authored four books in Islamic Finance and has also
published papers in various reputed magazines. RMA is
also blessed with a founding team that has a vast experience
in providing IT solutions. Under their leadership, RMA
continues to experiment and break new grounds in
unexplored areas. An example of such noteworthy
achievement is the recent launch of VIMS as part of their
AutoTech initiatives. The company founders are eager to
see RMA reach the pinnacle of success that they
relentlessly pursue with their hardworking and committed
group of employees and are called as RMATEs.
The Early Phase of Challenges and a Boundless Vision
for the Future
When RMA was in its early stages, it faced a vicious cycle
of challenges that many start-ups often face. As the
company had not yet built a reputation for itself in the
market, clients often preferred well-known solution
providers instead. The company also faced similar problems
in hiring new talent as employees also preferred to work
with an established company as opposed to an upcoming
one. All of this resulted in limited liquidity in cash flows for
RMA and consequently, stretched budget demands for
RD. RMA faced this challenge head-on by diversifying
into new segments and creating a niche for itself. As a result
of its early challenges, RMA today is in a position to
provide unique and original solutions to its clients. RMA in
its early stages developed client-specific products which
provided financially flexible business model such as
‘revenue sharing’ to its clients.
RMA believes in collaboration with Customers, Partners
and expand into new markets. RMA follows collaborative
and agile approach in creating bespoke solutions across the
digital value chain using Web and Mobile platform to
address the customers pain point and requirements. RMA
continues to take lessons from its initial phase to establish
itself as a key financial solution provider for its clients as
well as for its partners. RMA is now working towards data
models development for reporting using ‘R’, using QR
technology for payment, Blockchain integration with
OmnmiRemit for using digital assets such as crypto
currency and exploring Big Data as part of Data
Management Offerings.
feeds originating from sources such as Loans, Fixed
Deposits, Treasury, Trade Finance, Credit Card and other
banking systems. Raw data is modeled to match the
requirements of Risk Assets Liability Management
(ALM) solution. The data is further used to compute and
analyze customer behavior, economic valuation, interest
rate scenarios and wide range of other variables. These
solutions provide a simple, lightening quick and accurate
method of computation.
Vehicle Inspection Management System (VIMS) is a
solution designed to meet the needs of value-conscious used
vehicle buyers. The solution streamlines used vehicle
evaluation and inspection task, which is beneficial for
individual sellers and buyers as well as vehicle dealers. The
solution provides clients with the much needed certified
quality analysis based on standardized scoring,
transparency in inspection process. This helps enrich the
financial trade of used vehicles by legitimizing its true
value, and opens up new opportunities from a business
point of view. VIMS mobile ready interface allows
businesses and individuals to access the features in a
convenient manner and makes evaluation a systematic and
reliable process.
OmniAuth: OmniAuth is a convenient code generating
system, which relies on the latest smartphone technology to
authenticate a user. It employs Quick Response (QR) codes
based token system embedded in OmniAuth App. It allows
users to quickly and easily sign into a system by scanning
the QR Code displayed on a website. This is an advanced
form of token systems as compared to other systems which
expect users to manually enter a combination of numbers to
confirm their identity. It provides immense relief for
individuals and financial institutions which still rely on
physical token based solutions. Additionally, it is a more
secure form of authentication. Many websites currently use
a single factor system, which relies on a personalized login
and password. RMA solution enables users to use a mobile
phone as a second factor that would save time for users,
help them appreciate the efforts of financial institutions and,
in turn, can provide brand loyalty to brands.
RMA also plans to roll out a new product which would
connect merchants with consumers in a unique manner. The
solution named ‘OmniPay’ would allow payments to be
processed through the smartphone platform and also allow
debit from a virtual wallet or Intra bank account. The
innovative solution is in its final stage of development and
would likely go on floor in June 2018.
Guiding RMA into the Future
Lokesh Gupta is the Co-founder of RMA and continues to
March 201824
27.
28. In this era of changing technologies, the Big Data
domain has evolved in a very short period of time. It
plays the most pivotal role across all industries. The
ability of Big Data to mine critical data has radically altered
the dynamics of the way businesses function, drive sales,
and attract customers. It has become an essential
component of business strategy nowadays. A business tastes
success by uncovering insights locked inside data. The
overlaying trends will examine the evolving ways
enterprises can realize better business value with Big Data
and how improving business intelligence can help
transform organizational processes and the customer
experience. There is a demand for better data management
from most of the business executives for compliance and
increased confidence to steer the business. It will help them
in more rapid adoption of Big Data and innovative and
transformative data analytic technologies.
Insight-driven Organizations
In this present year, businesses will move beyond just data
handling to leveraging the insights that Big Data uncovers.
As understanding, managing, and manipulating Big Data
has now become fairly ubiquitous, most of the companies
have the ability to deal with it. Mining data will be the
center of attraction and it will help effectively to meet
organizational requirements and for precise targeting of
products and services. An insight-driven approach will
facilitate an evolved customer experience, competitiveness,
advanced security and operational efficiency.
Cyber security Applications
Today, everyone is dependent on the digital technology and
our dependence has reached an unprecedented level. Cyber-
attacks have also become much more prevalent. An
increased occurrence of ransomware has been registered
across the globe and cyber criminals are now targeting
personal data and devices. Concerning the prime industry,
cyber security can only be possible through big data
analytics which will become a major area of investment and
will grow swiftly. It is necessary for the enterprises and the
government agencies to upgrade their security systems to
next-generation software which can address ultra-modern
security threats.
Analytics across the enterprise
It can be said that the analytics will not remain isolated to a
few departments like marketing and risk management. On
the other hand it will infuse the entire enterprise. To
understand the dynamics of business operations, data
analytics will be utilized and will also reveal ways and
means to increase efficiency. Hence to derive overall
business strategy, insights from multiple departments will
be integrated and redundant processes will be eliminated. It
will also help the departments to increase efficiency,
growth, and productivity.
Bridging the talent gap
If the demand expands further, the talent gap in data
analytics will soar. It is expected that organizations and
academic institutions will collaborate closely to generate
skills and talent to meet the demand for data engineers. The
functions of all corporate employees will be expected to
understand, appreciate and work with analytics since it
emerges as one of the key instruments in every
organization. The academic institutions are also looking
forward to put together degree programs in data science.
IoT and People
There will be a transition from Internet of Things (IoT) to
Internet of People (IoP). Interactions, predictive analytics
around human behavior, and other subjective areas will
grow and start to filter all industry verticals. For example,
hospitals will increasingly deploy machine learning
techniques to predict the likelihood of the relapse of a
disease. This will enable them to work out a patient’s
readmission precisely at the time of the initial discharge.
An Insight Opportunitieson the
BIG DATA INDUSTRY
March 201826
29. Business-science collaboration
Businesses will have to learn and deploy traditional, scientific techniques of pattern-matching and artificial intelligence for
analytics use cases. For example, techniques to analyze gene sequences in DNA are being used in text-matching algorithms to
process bulk emails. It is expected to see very close collaboration between data scientists and the scientific community. For
example, image processing is widely used in ‘tagging’ in social media, while voice recognition is used in apps.
Technology
There will be brisk moving in the organizations from on-premise platforms to cloud and hybrid environments. Around 44
percent of applications used by Fortune 500 organizations are already on the cloud, and more than 50 percent of IT
applications will move to the cloud by the end of the year. There will be a rise in demand for analytics tools that are simple,
flexible, and capable of handling a variety of data sources. Hadoop enables to store an extremely large volume of data at a
significantly lower price point and hence it will continue to become increasingly popular. The share of unstructured data in
the data warehouse will continue to increase, which will further cause for Hadoop. Hadoop, now, is past the business
relevance and scalability assessment phase and its adoption is expected to accelerate strongly.
We are advancing towards a completely new era in the domain of analytics. Big data is disruptive and it has paved the way
for pioneering ideas and innovative techniques across industry verticals. It is now driving the stream of disruption and
expanding the scope of opportunities for previously untouched market segments. Organizations need to leverage Big Data
analytics to its full capacity so as to thrive in this competitive world.
Industry Insight
March 2018 27
30.
31.
32. In the Spike Jonze directed movie – Her, the
protagonist had a relationship with an AI enabled
program, which boasted the capability of conversing
like a human and performed mundane and complex tasks
with ease. The average knowledge surrounding Artificial
Intelligence revolves around a rumored headline of it
surpassing human brain with the help of a computer
generated program, causing a cloud of catastrophe over
the idea. But the reality is much more complex than the
above stated rumor. Organizations from varied sectors
realize the potential of AI and Machine Learning and are
racing against each other to build the most efficient AI
enabled program, capable of reducing human efforts by
solving the maximum tasks possible. Built on the
concept of people and machines working together,
Algomus is one company that stands out to create an
environment where humans and machines can work and
learn from one another to make specific tasks easier.
Product, Service and Customers – The Pillars of
Uniqueness
The Product – The company’s Taskbot, Algo is unique
for applying a Natural Language interface to a full-stack
Business Intelligence and Enterprise AI platform. It
combines data analytics, visualization, robotic process
automation, and personalized insights and reporting,
thereby giving its clients an easy to use hub to
collaborate with data and get their questions answered.
Additionally, Machine learning enables Algo to learn
from its users, and get more useful and personalized over
time.
Service Model – Algo is a full-stack AI as a Service
platform which ensures very little effort from the IT
department and other client teams to get up and running
for usage. This leads to quick return on investment.
Customer Success – Algomus’ single most important
focus is upon its customers’ success. It believes in doing
anything and everything to ensure its customer partners
get exceptional ROI from all its solutions. It prides itself
on creating long lasting relationships with every single
customer it has partnered with thusfar.
The CEO who steered his Company to Success
With a vision of people and machines working together,
Algo was Co-founded and ably led by Amjad Hussain
– the CEO of the company. During the initial period, the
company faced considerable challenge in finding the
right personnel and turning its vision into a reality.
Amjad dedicated his time and efforts to build a
passionate team of artificial intelligence scientists,
software engineers, and industry domain experts. Amjad
brought a small team of well-educated, dedicated, and
talented people, possessing complementary skills,
together to use diverse AI methods and architectures
running on Big Data, to solve meaningful and complex
problems for companies.
An entrepreneur by heart, Amjad is the CEO during day
and an avid AI algorithm designer at night. With a
resolute focus on Artificial Intelligence, Amjad earned
his Masters’ in Electrical Engineering Computer
Algomus:
Bridging the Gap between
Humans and Machines
Amjad Hussain
CEO Co-founder
March 201830
33. Science from UMIST, in the UK and followed it up with
an MBA from MIT. Recognized amongst the Crains’s
‘40 under 40’ Executive Award for his pioneering
contributions in advanced analytics, Amjad boasts an
Advanced Management Program from Havard and
Stanford.
Helping People Make Smarter Decisions in an
Uncertain Environment
Amjad believes, “AI is going to be overhyped in the
short run and under-hyped in the long run.” Taking this
into consideration, Algomus will focus on a narrow AI
field, applying diverse AI ML methods on business
data for analytics and workflow automation. It envisions
a future where it continues to build Enterprise AI
applications to help people make smarter decisions in an
uncertain environment.
AI enabled Virtual Assistant – Algo
Algo is a bot that wrangles Big Data to help people get
answers to their data related queries in a quick and easy
manner. It can deploy Machine Learning models to learn
to take over tedious tasks, thereby giving more time to be
strategic and creative. Algo makes collaboration easy
through its insight sharing, storyboarding, and reporting
features. Implemented as a full-stack service, Algo is
trained to continually learn from data with more and
more human interactions.
Delivering Exponential Business Outcomes
Algomus grows the collaborative intelligence of
enterprises, with people and AI agents working hand in
hand to deliver exponential business outcomes. Its in-
house product, Algo, is the world’s first AI enabled
conversational Business Analyst and an integrated
workflow environment of its kind. It mines Big Data and
develops an internal representation and higher-level
understanding to help businesses get answers to their
questions in a quick, easy, and accurate manner. Algo
continuously learns to perform tedious analytic tasks to
give business analysts more time to be strategic and
creative. As Amjad rightly points out, “Algo is always
on.”
Algo’s brain is always on, looking for
insights and anomalies that are
important to his users.
‘‘‘‘
March 2018 31
34. Emerging Tech,
Revolutions Crisis for
Entrepreneurs:
Insights from
a true Globe Trotter
By Alisée de Tonnac,
CEO of Seedstars
PhotoCourtesy:DanielLopez-Paullada
March 201832
35. Compared to Silicon Valley,
the markets we operate in are
eager to keep up by creating
environments for entrepreneurs and
startups. This is driven by
investments in institutions and
infrastructure, however, in general,
the countries still lag behind when it
comes to the number of opportunities
(even worse when it comes to the
“entrepreneurship culture”).
In terms of having the right
institutions and infrastructures, all
regions are doing well except Africa.
Countries from Central and Eastern
Europe have been specifically
successful here. Asia is definitely the
most developed region concerning
entrepreneurship.
One of the biggest challenges I
observe is that, unfortunately, many
of these countries are confronted
with brain drain, although startup
hubs like Singapore and Hong Kong
are able to attract outstanding minds.
Fortunately, investments start to flow
to these countries now, as many
companies, business angels and
venture capitalists already see them
as opportunities: entrepreneur hubs
like Mexico, Bangkok or CapeTown
are attracting more funding every
year.
On top of infrastructures and
institutions there’s another difficulty:
training and mentoring habits are
missing in many places.
Nevertheless, we can see some hubs
emerge while accelerators and
investments in training schemes are
created: Singapore, Shanghai, HK,
Santiago de Chile, Nairobi, Mexico
City, Cape Town, Belo Horizonte,
and others.
The one thing that is really different
for those countries is that
entrepreneurship is just starting to hit
their culture now. Nowhere in the
world are there as many self-declared
entrepreneurs as in San Francisco.
For emerging markets, culture seems
to be the biggest challenge, with
notable exceptions: Singapore,
Nairobi, Lagos and Cape Town.
What is interesting about these
frontier markets is that out of their
challenges rises the opportunity to
disrupt the status quo and even
sometimes be the test market for new
innovations. We witness in more and
more industries that phenomena of
leapfrogging through which you
would skip one technology
movement directly to the next - less
costly, more efficient and usually
more sustainable one. From their
weaknesses comes also the
advantage of maybe less regulation,
less lobbying and a lesser hurdle of
consumer habits to change. The most
obvious example is that of skipping
land lines directly to mobile phones.
It is predicted that by 2020, over
80% of all smartphones will be
located in emerging markets! When
you think about businesses in these
markets you consider a mobile
economy from day 1. The
opportunities of disruption in the
financial sectors with mobile
payment (50% of Kenyan GDP
passes through M-PESA mobile
payment application), healthcare
sector and others came from there.
You also see the rise of solar
powered or electric powered energy
solutions for remote areas due to the
inefficiencies of the national grid.
There’s a reason for the collaboration
of European or American companies
with entrepreneurship in these
markets: the opportunities for
innovation are wider. I am talking,
for example, about drone companies
who work with the Rwandese
government to change aerial
regulations, in order to allow the first
national drone airport in the world to
reside in their land of a thousand
hills...
Talents are everywhere
What I see throughout all regions and
countries though, is that no matter
what the difficulties are, passion and
dedication always make things
happen.
I like to shout out that talents are
everywhere. No one’s potential is
linked to an environment. It’s true
that a good education and a secure
context help, but the good “seed” can
be in anyone, regardless of the social
environment. Anyone can build
anything great from scratch if you
give them time, resources, patience
and help.
I agree that motivations differ
according to circumstances. Some
have no choice and are entrepreneurs
out of necessity, some fundamentally
believe it is their mission to change
the status quo in their local
communities and countries, whilst
others are born with that DNA of
wanting to build something new and
involve others in their journey.
I wonder if it is also generational.
We, millennials, see life differently
and do put a lot of emphasis on our
personal purpose. We’re very much
attracted by the nomadic lifestyle
that, many times, a digital
entrepreneur can give. I think the
previous generation did not realize or
Inside Entrepreneurship from Emerging Markets
March 2018 33
36. plainly abused of the way we treat our planet and
entrepreneurship became something very relevant to
solve the major challenges of today.
Do one thing that scares you everyday
In the end, I think that entrepreneurship is more a
lifestyle and a mindset, rather than a position. What
really moves the needle is then courage and capacity to
go out of your comfort zone.
I was working for a big luxury company in cosmetics
and I had this feeling of dissatisfaction and unhappiness.
I needed to find a project which made me feel complete
and useful. I felt it was a shame not to work for a product
capable of changing the world. I came across a quote
from Eleanor Roosevelt: “Do one thing that scares you
everyday.” I realized I was deeply in my comfort zone
and not doing this at all, so I decided to go out of my
comfort zone and tour the world from Nigeria to
Colombia in 2013, with the goal to meet the best
entrepreneurs in those countries. That’s where Seedstars
World was born, a startup competition focused only in
emerging markets. Now that we’re turning five, one can
surely say it is our main tool to impact millions of lives
through technology and entrepreneurship!
Today I work hard to be comfortable... being
uncomfortable. I wouldn’t say it’s an easy thing to do
and that I excel at it everyday, but it’s with a good
attitude towards it that you will get there. This is what
we call the “Growth Mindset” at Seedstars. We focus
particularly on that one while recruiting.
Advice for entrepreneurs
The most important thing for an entrepreneur is that you
know yourself. You need to understand yourself to be
able to define what kind of entrepreneur you are (and
yes, this can evolve over time and experiences). Are you
the kind that builds/creates? Are you the type that
follows and scales? Are you the kind that manages and
leads?
This has been the most challenging and overwhelming
journey I have lived to date. But it is, by far, the
healthiest of insanities, one with a purpose that makes
the whole journey great and worth it. A lot is linked to
the number of failures you will live, your ability to
master these moments and build agility and resilience.
J.K. Rowling gave it all it’s meaning when stating that
“some failure in life is inevitable. It is impossible to live
without failing at something, unless you live so
cautiously that you might as well not have lived at all –
in which case, you fail by default”.
For all entrepreneurs and professionals, I’ll advise to:
Ÿ Surround yourself with great talent and more
generally in your life, cut out those who pull you
down; keep the best of hearts, minds and laughs.
Ÿ Cut out the noise (reality is not what you read on tech
magazines) and stay focused.
Ÿ Don’t underestimate the time to define and build the
culture within your organisation. Someone once said,
“culture is management at scale”.
Ÿ Measure, measure, measure.
Ÿ Choose your core team because you align with the
values, not because you align in terms of skills.
Ÿ Coach - don’t micromanage (most difficult
experience when going from founder to manager).
And finally, make your dreams reality. It’s all in the
doing. Until death has been cured/resolved/augmented,
we need to respect the time we have and be content of
what we achieve on our day to day.
March 201834
37.
38. There is no question that cloud technology holds
enormous potential. This has prompted major
companies everywhere to move their back-office
systems to cloud-based data warehouse platforms.
With cloud-based data warehouse storage, data is saved
on solid state drives hosted by an external service
provider that handles the IT aspects of the data storage
process. This frees the company to concentrate on
running their business instead of running a room full of
servers.
One company that automatically transforms big data to
analytics in minutes is Panoply, the world’s first smart
data warehouse. Panoply virtually eliminates the time and
effort required to go from raw data to insights by
delivering the world’s only smart data warehouse built
for the cloud.
The privately-held company was founded in 2015 by
Yaniv Leven and Roi Avinoam, and has been funded by
angel investors and leading Venture Capital such as Intel
Capital, 500 Startups, Blumberg Capital, and C5 Capital.
Smart Data Warehouse: Cutting Edge Technology,
Insightful Analytics
Panoply provides a Smart Data Warehouse which
automates IT processes that manage and scale databases.
It utilizes cutting edge technology to streamline the entire
process of connecting, managing and analyzing data.
The company envisions a complete elimination of the
time and effort required to go from raw data to insights
by bridging the gap between data and IT processes
through analytics solutions.
Proprietary machine learning algorithms are incorporated
into world-class architecture so this data warehouse
actually learns the way data is used in the organization
and self-optimizes to improve performance and reduce
costs. It focuses on solving three main problem areas in
the BI and Analytics domain:
Instant setup - With Panoply you can collect, store, and
analyze data in minutes, compared to weeks or months
with traditional cloud warehouses. Get your data stack up
and running in a few clicks with no coding or help from
data engineering.
Zero maintenance - Panoply scales as your data grows.
Panoply automated all the maintenance and data
preparation traditionally done by a data engineering team
with machine learning and NLP.
Control your data - With Panoply you can login anytime
to view your data collects, add more data sources,
schedule collection frequency, view historical data, setup
data alerts, and build new data aggregations. Remove the
wall between you and your data.
Challenging Conventions
The biggest challenge for Panoply has been to educate
Data Analysts and Data Scientists - who are particularly
dependent on Data Engineers to perform their analytical
tasks - that they can manage the entire data life cycle.
The main reason behind their faith is Data Engineers
Panoply:
The World’s First Cloud
Smart Data Warehouse
Yaniv Leven
Co-founder CEO
March 201836
39. dominance in data integration and management of the DB
and storage technologies.
However, Panoply’s innovative smart data warehouse is
an unconventional solution that facilitates the precise
machine learning algorithms which can handle those
tasks and streamline the entire data lifecycle to the
analysts within a drastically-reduced timeline and without
IT intervention.
A Logical Analyst Leading from the Front
Yaniv Leven is the Co-founder and CEO of Panoply.
He holds a B.Sc in Statistics and an M.Sc in Finance.
Initially, Yaniv worked as a senior Analyst at Moody’s
Corp. (NYSE: MCO), building complex statistical
models on structured derivatives. After a successful stint
at Moody’s, he contributed to Mytopia, (acquired by 888
Holdings for $48 million). Here, he managed CRM,
Marketing, Analytics and deal execution. Yaniv’s logical
insights catalyzed the company to reach unprecedented
heights.
This managerial experience in Analytics and BI design at
two data-driven companies gave Yaniv unparalleled
insight into the changes for which the industry yearned.
The ideation developed into Panoply with the help of Roi
Avinoam, who was a CTO at Win and Mytopia.
Both men have an undying passion for BI and Analytics
and have been working together for the past decade.
Yaniv believes he is a logical analyst, regardless of his
position in the company or industry. His analytical
brilliance has led the company to immense success.
Stand Out Features and Future Plans
73% of Panoply’s clients are from non-IT backgrounds.
The company provides them the ability to instantly
harness technologies monopolized by IT, which helps
break down the major barrier of harnessing data through
IT. Panoply’s streamlining eliminates the 80%
inefficiency inherent in the original process.
The company stands tall as the world’s only smart data
warehouse. Its proprietary machine learning algorithms
are unique in the market and convert analytics into
insights within minutes. The company envisions
strengthening the modern cloud platform with its
warehouse solutions and aims to create more adaptive
and easier BI and analytics platforms for the industry.
With Panoply you can
automatically transform your
data to analytics in minutes.
‘‘‘‘
March 2018 37
40. BIG
DATA:Transforming Businesses
Altogether
Transforming Businesses
Altogether
BIG
DATA:
Data are currently woven into each sector and
function in the worldwide economy, and, like other
fundamental elements of production such as hard
assets and human capital, a lot of today’s economic action
couldn’t take place without them. The use of Big Data —
vast pools of data that can be united and investigated to
perceive examples and settle on better choices — will turn
into the premise of competition and development for
individual firms, enhancing efficiency and creating
significant value for the world economy by diminishing
waste and expanding the quality of products and services.
As of recently, the deluge of data flooding our reality has
been a marvel that presumably just energized a couple of
data geeks. Be that as it may, we are currently at an
inflection point.
The history of past trends in IT investment and innovation
and its effect on competitiveness and profitability highly
recommend that Big Data can have a comparable power,
and to be specific, the ability to change our lives for the
better. Similar preconditions that permitted past waves of
IT-enabled innovation to control efficiency, i.e., innovation
advancements followed by the adoption of complementary
management services, are set up for Big Data. And we
expect providers of Big Data technology and advanced
analytic capabilities to have at least as much continuous
effect on profitability as providers of different sorts of
technology. All organizations need to take Big Data and its
ability to make value seriously if they want to contend. For
instance, a few retailers embracing Big Data see the
possibility to increase their operating margins by 60
percent.
Big Data: Another Upper Hand
The use of Big Data is turning into an important route for
driving organizations to beat their companions. In many
businesses, built up contenders, as well as new contestants,
will use data-driven systems to enhance, compete, and
capture value.
Big Data will make new growth opportunities and entirely
new categories of organizations, for example, those that
aggregate and examine industry data. A significant portion
of these will be organizations that sit amidst massive data
streams where data about items and services, purchasers
and providers, shopper preferences and intent, can be
caught and analyzed. Forward-thinking pioneers across
sectors should start aggressively to construct their
associations’ Big Data’s abilities.
Moreover, the sheer size of Big Data, the continuous and
high-frequency nature of the data are likewise vital. For
instance, ‘nowcasting,’ the capacity to evaluate
measurements is winding up more utilized, adding vital
energy to forecast. Correspondingly, the high frequency of
data enables clients to test theories in close constant and to
a level that was never possible before.
March 201838
41. The Value that Big Data Creates
If the U.S. healthcare framework were to utilize Big Data
innovatively and viably to drive proficiency and quality, the
sector could make more than $300bn each year. Almost
66% of that would be an 8 percent decrease in U.S.
healthcare expenditure. In the developed economies of
Europe, government administrators could make more than
€100bn ($123bn) in operational productivity improvements
alone by using Big Data – and that is excluding using
advanced analytic devices to diminish fraud and mistakes,
and lift the collection of tax revenues.
However, it’s not simply organizations and companies that
remain to pick up from the value that Big Data can make.
Shoppers can likewise receive very noteworthy benefits.
For example, clients of services empowered by personal-
location data can catch $600bn in customer overflow.
Taking smart routing using constant traffic information is a
standout amongst the most heavily used applications of
individual-location data. As the penetration of smartphones
increases and free route applications are incorporated into
these gadgets, the use of smart routing is probably going to
develop.
By 2020, more than 70 percent of cell phones are required
to have a GPS ability, up from 20 percent in 2010. By and
large, the potential worldwide estimation of smart routing
through time and fuel savings will be about $500bn by
2020. This is quite equivalent to saving drivers 20bn hours
on the road, or about $150bn on fuel consumption, and 10
to 15 hours each year for every traveler.
Data Talk
Understandings around data security and
privacy are only one obstacle that
governments and organizations need to
overcome, if the economic benefits of Big
Data are to be figured out. One of the most
squeezing challenges is a critical lack of
individuals with the abilities to analyze Big
Data. By 2018, the United States alone could
confront a deficiency of 140,000 to 190,000
people with deep analytical training (in statistics
or machine learning) and other 1.5m individuals
with the managerial and quantitative skills to have
the capacity to outline and decipher investigations
adequately enough to base decisions in light of them.
There are additionally numerous technical issues that
should be resolved to benefit as much as possible from Big
Data. Legacy systems and incompatible standards
frequently prevent the incorporation of data and the use of
the more advanced analytics that make value. At last,
making use of the foremost digital datasets will demand the
get together of a technology stack from computing and
storage through visualizations and analytical programming
applications.
Most importantly, access to data needs to widen.
Progressively, organizations should get data from outsiders,
e.g., business partners or clients, and coordinate them with
their own. An essential competency for data-driven
organizations, later on, will be the ability to make
compelling value propositions for others, including buyers,
providers and conceivably even contenders, to share data.
In the event that looks far-fetched that data sharing will
happen regardless of the potential for societal advantages (a
market failure), lawmakers may then have to step in.
As long as organizations and governments comprehend the
potential of Big Data to deliver higher efficiency, better
value for purchasers, and the next wave of development in
the worldwide economy, there ought to be a sufficiently
reliable motivator for them to act robustly and beat the
hindrances to its use.
By doing as such, they will unleash avenues to new
competitiveness among organizations, with higher
proficiency in the public sector that will empower better
services, even in obliged fiscal times, and subsequently
empower firms, and even entire economies to be more
productive.
Data Talk
March 2018 39
42.
43.
44. Moneyball, a 2011 Hollywood blockbuster starring
Brad Pitt, is a tale of how unorthodox business
intelligence coupled with an unconventional
approach can reap spectacular success. In the movie, a
baseball team manager and an economics graduate come
together to design a system to draft a winning Major
League team with a limited budget.
Many people would be quick to dismiss it as the typical
feel-good plot. However, it is actually based on the true
story of the 2002 Oakland Athletics baseball team. That
creative approach to business intelligence is not limited to
sports; it is embraced by a company that is using non-
traditional, out-of-the-box thinking to amplify its clients’
revenue capacity – RPMG.
The company has empowered businesses in every corner of
the world with its astonishing analytics platform,
TelemetRy.
Cutting-edge Revenue Analytics
RPMG believes that in order to see the problem, you need
insight, and to get insight, you need data. It has been
utilizing BI and Analytics to tackle such major issues.
TelemetRy is an intelligent cutting-edge revenue analytics
platform which has demonstrated how an improvement of
just one percent at the right point in an organizational
pipeline can increase its total revenue by 5% and profit by
32%, without touching pricing.
The TelemetRy platform supports clients by facilitating a
wide range of diagnostic and performance improvement
services. The company has focused primarily on providing
analyzed data and identifying performance issues and
blockages. Its extraordinary range of capabilities further
helps clients to rectify such concerns and strategize
accordingly.
The Initial Challenge - Resistance from the Status Quo
The plot of Moneyball showed rather hilariously how a
new, untested system immediately faces a wall of criticism
and distrust. RPMG’s CEO, Craig McKell, explains, “Just
like Billy Beane in Moneyball, the biggest challenge we’ve
faced has been resistance from what we will call the ‘status
quo’.”
The company looks at marketing and selling in an entirely
different way, one which “challenges everything today’s
marketing and sales executives have ever learned about
what they’ve been doing for decades.”
The approach and practices initiated by the company
require a significant investment of hard work by CMO’s
and CSO’s, which improves revenue performance. Craig
adds, “CEO’s and CFO’s love us. CMO’s and CSO’s – not
so much. Until they see the results, of course.”
Simplifying Revenue Performance
RPMG has witnessed enormous success and seen massive
growth since its inception in 2005. The prime reason behind
the fast pace of that success is the company’s CEO, Craig
McKell.
Craig started in the industry by working at renowned
companies like PwC, Ernst Young, and Telecom NZ. He
is also a founder of Woodland Home Products, a company
that grew sales within Australia by 21%; export sales by
RPMG:Rolling the Moneyball of
Revenue Performance
Craig McKell
CEO
March 201842
45. 100% and overall sales by 25%. Subsequently, he returned
Woodland Home Products to profitability by delivering a
bottom line turnaround of more than 400%.
Craig was fascinated by the idea of business intelligence
solutions and wanted to contribute to the sector. That drive
to follow his passion has led to the creation of this leading
business intelligence solutions provider.
Craig states, “I’ve done some interesting and rewarding
things in my career but nothing even comes close to the
satisfaction that I get from watching the impact RPMG is
still having on people’s businesses, and their lives.”
Today, the company has reached around 150 global and
regional clients. Craig says that it is gratifying working with
global giants of the likes of Google, IBM, EY and Westpac,
but it is also immensely satisfying and humbling working
with smaller companies who aren’t so well known, but
turning around their revenue performance with the RPMG
platform.
Why Businesses Choose RPMG
The principal product offered by the company, TelemetRy,
is a composite of unparalleled features that entice clients to
choose RPMG over its competitors.
Be it a global tech giant or a promising regional enterprise
from Australia, the platform has been quantifying their ROI
from specific marketing and sales campaigns and activities
by measuring contribution to revenue, margin, profit and
value.
It has been extraordinarily successful in revealing and
quantifying the future financial impacts of changes to the
marketing and sales tactical mix. It objectively identifies the
stage of the sales process at which buyers are, and how
quickly they are moving through the pipeline. Additionally,
it analyzes and benchmarks every aspect of an
organization’s revenue performance and revenue creation
processes over time and against peers.
Through an astute analysis algorithm, TelemetRy is able to
measure every aspect of organizational revenue
performance to produce piercing insights, which spawns the
creation of avenues of improvement that may be
implemented far into the future.
Aspirations and Plans
The company believes that everyone will soon come to
understand and accept the principles of marginal gain
theory and revenue performance. The concept is just too
powerful and simple to remain a secret for too long.
RPMG aims to lead the business intelligence market
through its unconventional and consistently incoming
strategies.
More revenue, more profitably,
with more speed – and at lower
cost and effort.
‘‘‘‘
March 2018 43
46. The last 10 years has witnessed a huge boom in alternative finance (“altfi”). As many commentators
have observed, this was in part kick-started by the global financial crisis – with consumers becoming
disillusioned by traditional financial service providers, assets classes and practices. Prior to 2008,
attitudes to finance were often characterised by apathy, acceptance of “the way things were done”, and
perhaps even a blind trust that regulators and banks would keep the economy (and people’s savings) safe.
Then it all hit the fan in the wake of the Lehman collapse, and much trust in traditional institutions was lost.
Since then we’ve seen individuals demanding more transparency and control over their finances, lower
transaction and service costs, and better conduct – which has provided opportunities for a new wave of
customer-focussed altfi providers to satisfy that demand.
But even more than changing attitudes, it is technology that has been the bedrock of altfi’s success. New
financial products, such as crowdfunding and peer-to-peer lending, simply wouldn’t be possible without the
use of sophisticated technology platforms, which enable those services to be provided in a low-cost, time
efficient manner. The use of technology engenders not only transparency and accountability (it is difficult to
escape customer censure when it forever becomes a part of Google’s online memory), but also financial
inclusion. Venture capital, for example, used to be an investment activity reserved for those that had vast
quantities of both money and time on their hands – but since the dawn of equity crowdfunding, any person
can invest businesses they believe in at the click of a button, from as little of £10.
Financial technology (“fintech”) has had far-reaching benefits across the financial services sector: at the retail
end, we’ve seen challenger banks such as Revolut, which provides low cost FX to travellers through an app,
and Plum, an savings tool that works through online messenger; to the institutional end, where blockchain
technology is reducing the opportunity for transaction fraud using smart contracts, and even the traditional
March 201844
48. bond market is being made more efficient by online
platforms such as Origin, which optimise connections
between issuers and dealers.
The regulation of fintech, however, is proving a
challenge. We see regulators across the globe struggling
to keep up with the pace of change – both in terms of
facilitation and intervention. There is a tendency for a
regulator to consciously delay addressing a sector,
because it is not yet sufficiently developed or isn’t
deemed to have “systemic importance”, but this can have
the following negative implications:
First, lack of regulatory involvement or interest can
result in a sector being seen by consumers as
illegitimate, which can slow or even hamper its
development. See, for example, the peer-to-peer lending
space, which had to lobby for years to come under the
regulator’s jurisdiction.
Second, it can mean that bad actors have the licence to
operate around the edges of existing regulation. Whilst
the impact of any fallout from this may not be
“systemic”, if it is a retail product, it can very well affect
the most vulnerable in society.
Third, even when existing regulation does apply, it is
often not fit for purpose. Much of the regulator’s
rulebook is based on the idea of paper records and
manual systems, rather than today’s digital reality – and
compliance with such rules not only increases costs for
the provider, but can be frustrating for the consumer. In
the realm of identity checks, for example, the idea of an
online platform asking customers to come into the office
with a passport is wholly incongruous with an online
experience.
Fourth, just because one regulator chooses not to act,
doesn’t mean others will take the same view. In Europe,
for example, we have seen many jurisdictions building
bespoke, unconnected regulatory regimes that make
operating cross-border very challenging.
And finally, fifth, too many times shortly after regulators
have publicly stated they will not intervene, they change
their minds within a matter of months. This change of
tack can result in panic in the industry, and risks new
regulation being incomplete and/or out of date as soon as
it is published.
In the United Kingdom, we are lucky enough to have a
pro-active, forward-thinking regulator, the Financial
Conduct Authority (“FCA”). In 2014, it launched a new
initiative,” The Innovation Hub” with the dual objectives
of helping new altfi firms navigate the existing
regulatory landscape, and educating itself about changes
in fintech. Accompanying the Innovation Hub, is the
FCA’s “Regulatory Sandbox”, launched in mid 2016,
which provides an opportunity for altfis to test their
proposals in a confined regulatory testing environment –
and over the last two years, it has invited the trials of
businesses from a variety of sectors, from insurance to
pensions, retail to wholesale. The FCA has also signed a
number of collaboration agreements with overseas
regulators on the development of fintech, in a bid to
share ideas and understanding and, recently, it sought
feedback on whether it should expand its sandbox to
global testing – an initiative that will no doubt be
popular, given that, by its very nature, the digital
provision of finance knows no geographical bounds.
The benefits of technological engagement, such as we
are seeing from the FCA, cannot be underestimated. But
engagement needs to be accompanied by the right sort of
resources to support regulatory change. Perhaps
unsurprisingly, the top computer scientists and
mathematicians aren’t typically attracted to life as a
regulator, and as such it can be difficult for even
forward-thinking regulators to put their learning into
practice. Which is why I think regulatory compliance in
the era of fintech need to be re-focussed. No longer
should it simply be about checking boxes to satisfy rules
designed for earlier models of finance, or regulatory
reporting through systems that don’t run on modern web
browsers. It should be about problem solving: seeing
technology as a way to not only provide financial
services but regulate them too - using such techniques as
behavioural algorithms and big data analysis to identify
and react to risks. In doing so, regulators will attract the
type of technology talent that it needs to effectively
supervise today’s financial services firms.
March 201846
49.
50. When the world was driven by mainstream media,
TV audience was passive and could not make
an independent decision about what they liked
or didn’t like. With the emergence of digital media
marketing and advertising has become a harder ballgame.
Marketers are having a hard task of chasing the audience to
gain their attention and sell their products thereby making it
important for marketers to be intelligent, objective, and
insightful when marketing through the digital medium. A
company that helps marketers understand their audience
inside-out is Versium. The company provides quality
actionable data, along with tools which help analyze it and
gain enriching insights about the audience. The company
also provides predictive services, which help their clients
improve the ROI of their online campaign by better
targeting the right audience for best results.
Unique Business Intelligence of Versium (BI) in a
Nutshell
Versium BI enables their clients to achieve three important
marketing goals. First, it provides various automated data
hygiene and enrichment tools to improve the quality of
existing customer and prospect data and makes it more
actionable. Second it delivers rich customer insights by
enriching existing enterprise data with Versium’s
®
proprietary Life Data which enables enhanced
segmentation and personalized messaging, which results in
a rewarding customer experience. Third, the company
delivers a suite of automated machine learing AI solutions
in order to predict who is most likely to buy or engage to
increase marketing ROI. Versium continues to expand data
models in order to gain a better understanding of the online
consumers.
Business Intelligence as a Weapon
The founders of Versium were inspired by the poorly
targeted email campaigns seen during the Groupon heyday..
The campaigning woes they experienced were common
among marketers and executives. Digital marketing
provides a cost-effective alternative to the mainstream TV
advertising. However, it is a marketing area filled with
uncertainties, and lacks a set of clear guidelines to follow at
the moment. Hence, this field is in a deep need of objective
insights which can then be used to form intuitive
understanding of the audience. The current challenge for
revolutionary companies like Versium is to convince the
disarrayed digital executives to follow the path of
rationality and invest in data driven AI intelligent solutions.
The Right Leadership for Embracing a New World
There is a quote often repeated among digital marketing
executives. It goes on the lines of, “There is no such thing
as a digital marketing expert.” As mentioned earlier, digital
marketing requires a set of enlightening guidelines and
insightful leadership. Versium Founder and CEO Chris
Matty, has a rich history of leading successful technology
companies. As an industry thought leader, he pioneered the
white and yellow pages’ online presence during the early
days of the internet as a founder of Infospace, then
assembled a team of data technology experts with decades
of experience dealing with the challenges of consumer and
business data accuracy, focusing on automation to bring the
technology more broadly to the market. Fast forward a few
years and with Versium, he has created a revolutionary data
technology company that is truly changing the marketing
landscape.
Versium:Riding on Revolutionary
Marketing Insights to Bring
Digital Marketing home
Chris Matty
CEO Founder
March 201848
51. Chris Matty lives and breathes technology innovation in an
inspiring manner. He has donned multiple hats in the
technology world before founding Versium. Many of his
ventures went on to become successful enterprises in the
Internet, mobile, and SaaS spaces. His insightful
contribution has defined some of the internet business
models common in the industry today. His merit and his
leadership are set to provide a sigh of relief for the
marketing industry through another major breakthrough.
A Real Solid Strategy for a Virtual World of Challenges
Personalized messaging is becoming more and more
important in the virtual world. As the audience is passive
watching a TV commercial; it is easy to divide them in
traditional categories such as men, women, teenagers, older
audience. However, a large variety of choices and active
participation online makes this scenario further
complicated. Hence, it is absolutely essential for digital
marketers to start understanding their audience as
individuals and form as deep an understanding as possible.
Versium with its unique solutions places its clients in the
driver’s seat to gain such insight.
®
Versium’s extensive LifeData proprietary warehouse
contains both business and consumer data. Their proprietary
matching technology delivers rich insightful data, which is
®
ready to be acted upon. Versium Life Data delivers a true
360 degree view of a consumer in terms of bother their
professional and consumer personal and behavioral
tendencies. Clients using Versium can find out who works
in different organizations and their relevant professional
information. This data is rich in insight; through it clients
can aim personalized campaigns and messaging which is
likely to be very effective. Additionally, Versium offers
Predictive AI modeling tools that are simple to use and
work on demand. These tools leverage the company’s rich
proprietary data set combined with machine learning
technology to eliminate the requirement of employing
expensive data scientists and other tools. Due to its unique
solutions, Versium technology is gaining more acceptance
and continues to grow in an innovative manner.
A Resourceful future that Lies Ahead
As AI technology develops and more digital marketing
companies realize the potential of BI, the demand for
Versium solutions is likely to rise. As the demand rises and
economies of scale sets in, data driven AI solutions would
become further more appealing for clients. Hence, a very
resourceful future lies in store for digital marketers as well
as for innovative solution providers like Versium.
We deliver highly data driven marketing solutions for
gaining actionable insights - which is key to
achieving a winning ROI and extraordinary results.
‘‘‘‘
March 2018 49
52. Top Queries to Ask Your Provider —
Before You Do with ThemBusiness
IT
Anyone can say that they offer IT services. But are
they providing the right kind of service for your
business? It’s important to ask the right questions
when making your decision. We have compiled a list of
queries for you to ensure you have the tools to identify if
the IT provider of your choice can truly fulfill your needs.
You need to make sure that the IT provider is competent
and experienced in serving your organization, puts your
needs above all else, and has the tools and resources to get
the job done securely and efficiently.
How Long They Have Been in the Business
According to the US Small Business Administration,
roughly 50% of small businesses fail within the first 5
years. It’s important to be able to trust and rely on the
company of your choice. It’s important to know how long
they’ve been in business as well as how successful they
have been over that time as it will give you a better
assessment of their ability to fulfill your needs.
The Type of Insurance They Have
If the company doesn’t have insurance and something goes
wrong or someone gets hurt, they may not have the finances
on their own to salvage everything.
Prior Experience in the Vertical
If they’ve only focused on companies entirely unrelated to
how you handle your business, they may not have as much
expertise or insight as an IT provider that has had many
different clients in a variety of industries.
If They Provide Onsite Support or Outsourced Support
The best IT providers staff their own helpdesk support
onsite, at their office, so they can train them, keep their
certifications updated, and make sure they have good
people working for them. It should be important to them
that their staff has intimate knowledge of what your
business does and their client base in order to provide the
best assistance and customer service possible.
What Their Support Hours Are
You want to make sure there is always someone there to
help if something goes wrong, no matter when.
Emergencies don’t wait until the weekend or holiday is
over. The best IT providers have ability to help you 24
hours a day, 365 days a year.
Measure Customer Satisfaction
A quality IT provider should be calling clients and
performing surveys. The clients chosen should be random
(not just their happy clients.), and should rate their
customer service experience on: reliability, performance,
security, problem resolution, friendliness, professionalism,
and timeliness.
If They Have an Out Clause
After signing the contract with an IT provider, you may find
after some time that they are not a good fit for you. What
happens then? Are you stuck in a long-term contract with
them anyway? Or do they have any sort of Out Clause in
their contract that will allow termination if your needs are
left unfulfilled.
March 201850
53. About The Author
Christopher Coluccio is the CEO Co-founder
ofTechworks Consulting, Inc. From his early
years, Chris had a love of computers, coding his
first program at the age of 8. He went on to
study Computer Science at Dowling College.
During that time, he worked on projects such as
the “Big Dig” in Boston and large construction
projects in Manhattan. He went on to become
the IT Administrator of one of the largest print
manufacturers on Long Island. It was around
that time that he met his business partner,
Keith, and the building blocks ofTechworks
began. Incepting in 2002, he was able to make
their dream a reality.
Chris is widely-recognized for his vigorous
advocacy of technological innovations and high
standards for quality support and services.
Having over 20 years of experience in the IT
industry, Chris has worked with numerous
companies spanning various industries
providing services to keep their organizations
running smoothly and securely. Chris is also the
co-chair of the HIA-LITechnology for Business
Committee.
Usage of Up to Date Technology
If your IT provider uses outdated technology and aren’t
always keeping their eyes open for new technologies, they
may not have the capability to do the job right. And don’t
just take their word for it – make sure they can prove it.
Guaranteed Response Time
It’s important to have a good idea of how long it takes the
provider to tackle whatever issues your technology may
come across and make sure it’s within a reasonable time
frame. The right IT provider should offer you a Service
Level Agreement (SLA). The SLA indicates the response
time that their team guarantees.
Use Two-Factor Authentication
You want to ensure your IT provider is using the most
advanced methods possible to keep your data secure. Two-
Factor Authentication is an extra layer of security that
requires not only a password and username but also
something the user has on them, such as a pin, fingerprint,
ID card, etc.
Secure Storage of Important Data and Passwords
A capable IT provider has the latest security features to
ensure your personal information is kept safe. If you can’t
trust an IT provider to keep their systems secure, can you
trust them to protect yours? The right IT provider will store
all passwords in a password repository system which
requires 2-factor authentication. They should also have
procedures in place in case of an employee termination to
ensure there is no risk of unauthorized access.
rd
3 Party Penetration Testing of Their Business
Many IT providers may offer business penetration and
security tests, but have they been tested themselves? Many
IT providers have not had their own systems tested by a 3rd
party. Others who have been tested have found that they are
not as secure as they advertise themselves to be.
Choosing the right IT provider is not an easy decision.
There are numerous factors that need to be considered that
should not be taken lightly. Using the questions above will
be very helpful in the vetting process to separate the strong
contenders from the rest and assist you in making a final
decision with confidence.
March 2018 51
IT Insights