The 10 Most Valuable Business Intelligence Companies 2018

4. Editor’s Note N ow, we can observe a rapid transformation in the business world. With technological advancements expectations of customers are rapidly changing, demanding companies to be flexible, up to date and innovative. In addition to that business expansion, global reach, regulation policies, multiple vendors, large customer base, and many more factors are making an overall business pattern more complex. It is not possible for the management team to handle everything in an efficient manner. Also, taking correct decisions on time is also important for smooth functioning and the uniqueness of the company in the market. All these factors demand a partner who provides all-around business solutions for successful growth. Such solutions called as Business Intelligence (BI) Solutions that include, big data and analytics solutions, business performance management, benchmarking, many more. All these solutions are offered by Business Intelligence Companies through different platforms. Business Intelligence Companies transforms business data into useful insights. These insights will become helpful for companies to plan business strategies, take appropriate decisions; such as fixing product prices, market forecasting, etc. that results in increased productivity, improved revenues, and enhanced growth. Business Intelligence companies are becoming more popular with increased digitization as most of the organization’s and individual’s data is digitized and may be available at company’s database or social networking platforms or any digital platform. This data have made easy to evaluate past activities and convert them into helpful insights through big data and analytics. For a successful future of the company, it has become necessary to adopt BI tools and solutions as BI tools are not only helping in taking decisions but also making companies unique for customers as well as vendors. Increased importance of Business Intelligence Companies as a partner of success is

5. making them so special and made us go to the issue “The 10 Most Valuable Business Intelligence Companies 2018”. In this issue, we have highlighted the companies who are responsibly transforming business with future-proof strategies and profitability. On the cover, we have Cloverleaf Analytics:Harnessing the Power of Your Data. Cloverleaf Analytics is a Business Intelligence company, which is well known for providing some of the best solutions exclusively to the Property and Casualty Insurance industry. The powerful capabilities of the Cloverleaf solution assist insurance carriers in providing a higher quality of service to their policyholders and claimants than ever before. The insurance industry is recognizing the value of insights that can be gleaned from their data to better manage their insurance operations. The Cloverleaf Analytics solution is a modern solution that has taken full advantage of new technical improvements and breakthroughs that allow Cloverleaf to offer so much to the industry at a very affordable price. Robert Clark is the CEO of Cloverleaf Analytics. He has been in the insurance industry on both the carrier side and the vendor side of the business for over 20 years. He knows the challenges faced by today’s insurance carriers and his extensive experience building and operating insurance specific business intelligence solutions have prepared him to lead his latest company featuring the most comprehensive and advanced tooling and capabilities ever brought to the insurance market. Innova Solutions:Integrating Advanced Solutions for Resolving Real-World Problems highlighted as a Company of the Month for this issue. Innova Solutions is a global information technology company located in Santa Clara, CA and employs more than thousand technology professionals worldwide with field offices in New York, Chennai, Bangalore, Hyderabad, Pune, and Taipei. With deep research, Insights Success Magazine has enlisted companies who are helping businesses to grow with long-term success. Algo™: Connecting AI, AR, and Automation to Business Intelligence, AmberLeaf:Boosting Client’s Revenue with Leading-Edge Business Intelligence Solutions, Caserta:Designing and Creating Innovative Data Solutions, and RM Applications: Powering Innovation with Business Driven Solution. While going through our magazine, you must not miss out the masterly written articles by our in- house editors such as Engineer Happiness. Surge Productivity, Extend Retention and 4 Reasons- How a Cutting-Edge Mobile App can Prove Boon for Your Business? Also, Transforming the World with Data based Solutions, and Effect of Business Intelligence and its advantages from the Viewof some of theSuccessful Leaders. Hope this edition from us will create a mark on your mind. Suhel Mashayak

9. Editor-in-Chief Pooja M. Bansal Anish Miller Senior Editor Managing Editor Suhel Mashayak Executive Editor Stell Andrew Contributing Editors Upama, Nilam, Ryan Visualiser David King Art & Design Head Amol Kamble Art & Design Assistant Shweta Ambilwade Co-designer Paul Belin Asha Bange Art & Picture Editor Business Development Manager Peter Collins Marry D’Souza Marketing Manager Business Development Executive Abhijeet Pisal Sales Executives Sherin, Jennifer, Josh, Alice, Karen Technical Head Jacob Smile Assistant Technical Head Swapnil Patil Technical Consultants Vivek, David, Robert Digital Marketing Manager Alina Sege Assistant Digital Marketing Manager Prashant Chevale SME-SMO Executives Rahul, Gemson, Swati Research Analyst Eric Smith Circulation Manager Tanaji sales@insightssuccess.com October, 2018 Corporate Ofces: Insights Success Media Tech LLC 555 Metro Place North, Suite 100, Dublin, OH 43017, United States Phone - (614)-602-1754 Email: info@insightssuccess.com For Subscription: www.insightssuccess.com Insights Success Media and Technology Pvt. Ltd. Off. No. 513 & 510, 5th Flr., Rainbow Plaza, Shivar Chowk, Pimple Saudagar, Pune, Maharashtra 411017 Phone - India: +91 7410079881/ 82/ 83/ 84/ 85 Email: info@insightssuccess.in For Subscription: www.insightssuccess.in www.twitter.com/insightssuccess Follow us on : www.facebook.com/insightssuccess/ We are also available on : Copyright © 2018 Insights Success Media and Technology Pvt. Ltd., All rights reserved. The content and images used in this magazine should not be reproduced or transmitted in any form or by any means, electronic, mechanical, photocopying, recording or otherwise, without prior permission from Insights Success. Reprint rights remain solely with Insights Success.

10. CLOVERLEAF Robert Clark CEO

11. CLOVERLEAF ANALYTICS:

12. are ‘ We T their business intelligence efforts thanks to a powerful solution provided by Cloverleaf Analytics. The powerful capabilities of the Cloverleaf solution assist insurance carriers in providing a higher quality of service to their policyholders and claimants than ever before. The insurance industry is recognizing the value of insights that can be gleaned from their data to better manage their insurance operations. The Cloverleaf Analytics solution is a modern solution that has taken full advantage of new technical improvements and break throughs that allow Cloverleaf to offer so much to the industry at a very affordable price. oday, we can observe that insurance companies are getting better value from financial, and executive business areas within an insurance carrier or a Managing General Agency (MGA). constantly monitoring the industry to identify new technologies or new ways to use existing technologies better Cloverleaf Analytics has incorporated state of the art tooling to support industry-specific data movement and validation via its graphical rules engine and built-in code standardization processes. Additionally, they have incorporated the use of over 900 industry-specific metrics and 150 report views and dashboards out of the box. The solution is built to scale with a carrier’s needs with built-in tooling for big data analysis as well as data mashups. About the Leader Robert Clark is the CEO of Cloverleaf Analytics. He has been in the insurance industry on both the carrier side and the vendor side of the business for over 20 years. He knows the challenges faced by today’s insurance carriers and his extensive experience building and operating insurance specific business intelligence solutions that have prepared him to lead his latest company featuring the most comprehensive and advanced tooling and capabilities ever brought to the insurance market. Robert also listens to industry leaders and prospects concerns and challenges and helps identify solutions to these business issues through data enlightenment. Inexpensive data storage and processing power via the cloud combined with powerful tooling that is extended to address the challenges of getting clean data loaded from multiple sources and balanced in the data warehouse for analysis is now possible. What once took years and millions of dollars can now be done in a matter of a few months at a cost that is a fraction of what it once was. Combining this with out of the box analysis capabilities that focuses on standard operational analysis and reporting for each area of an insurer allows them to get up and running faster and begin extending the solution. Cloverleaf Analytics is a Business Intelligence company, which is well known for providing solutions exclusively to the Property and Casualty Insurance industry. Focusing on this new dynamic market Cloverleaf Analytics can provide extremely high value and capability to insurance carriers. Cloverleaf’s industry-leading solution was adapted from the Accord Reference Framework data model which is an industry standard and includes analysis capabilities out of the box to address all operational, “The biggest asset that an insurance company has is the data and until

13. 1 Most Valuable BUSINESS INTELLIGENCE Companies 2018 T h e recently they didn’t know how to get their hands on it and use it effectively. We are excited to work with insurance company executives, listen to their business challenges and show them how with our solution we can provide the information and knowledge to make effective decisions and run their operations with much more certainty than ever before and that is a very satisfying outcome for our team,” says Robert Clark about his journey in growing Cloverleaf Analytics. The Extraordinary Journey towards Success Robert Clark believes that the initial problems are similar to every early stage company. Robert says, “Raising and controlling the burn of cash while you build out your product and get the first couple of clients signed up. It is at that point that you can harden the product and make it industrial strength so you can more easily implement the solution for future clients. Once we had successful implementations and references of our initial clients, we were able to bring in another insurance industry executive with extensive experience and credibility both on the carrier side and the vendor side including sales and marketing. Adding this executive, Thomas Chesbrough, CPCU automatically gave the company more credibility and respect in the industry and at that point, more sales leads came our way and we are now on a very strong sales and growth path.” We deliver our solution to the customers with decades of in-depth knowledge and best practices‘ Exclusive Strategies that Separates Cloverleaf Analytics from the Pack Cloverleaf Analytics is constantly monitoring the industry to identify new technologies or new ways to use existing technologies better, as well as examining new information and data providers to see if any of their offerings could create an edge for one of its clients or prospects. The Cloverleaf Analytics team also attends industry conferences and walks the floors and talks with other technology and solution providers to gain insight from their varying perspectives. This collection of insights is used in building the roadmap for Cloverleaf

14. ‘ Analytics solutions. The company has built the hooks and capabilities in to take advantage of market opportunities as they come available or when clients are ready to start using leading technologies that Cloverleaf Analytics has already incorporated into its solution. ‘ We are providing extremely high value and capability to insurance carriers Data Safety Precautions First, Cloverleaf Analytics uses the highest level of private sector encryption available throughout their entire solution. The databases are encrypted. The database connections are encrypted with Cloverleaf Analytics’s application and the connection from the customer to their system is encrypted. Secondly, the software in the company’s business intelligence solution has been put through rigorous penetration tests by third parties to ensure that it’s secure. Benefits Experienced by Clients from Different Sectors of Business Cloverleaf Analytics clients are obtaining various and many benefits from the solution depending on their focus. The majority are looking to improve their bottom line through better underwriting of risks and insureds so that they are pricing the insurance at a rate that reflects the true risk and still at a competitive price. Additionally, they are trying to improve the operational performance of the Claims operation. Insurance customers are demanding better service from their insurance carrier and monitoring the operation more closely helps carriers improve service and make sure they are handling claims fairly. The use of information also helps insurers identify any fraudulent activity that might be going on within a specific claim. Robert’s Advice for Young Entrepreneurs “Stay focused and pick a niche that has substantial upward growth potential and don’t get distracted. Stay laser focused. Remember that cash flow is extremely important and be willing to work harder than you ever thought you could. That’s what it will take,” asserts Robert. Future Roadmap of Cloverleaf Analytics Cloverleaf Analytics plans to continue to roll out more analytical workbench capabilities and areas of analysis specifically for insurers. The company also will be expanding its use of machine learning capabilities and providing more information to augment a carrier's dataset with data mashups and additional 3rd party solution providers to provide their clients more value and make Cloverleaf an “Evergreen” solution.

18. INNOVA SOLUTIONS S companies navigate and tackle the challenging integration of the cloud with large-scale legacy environments. Payment Services: Payment Hubs, Payment Networks, SmartEdge Platform and Mobile Wallets. ituated in Santa Clara, California, Innova Solutions is a global information technology company with a rich history of building strategic relationships with customers. The company has a committed team of more than 1600 highly skilled professionals present worldwide at field offices in New York, Santa Clara, Chennai, Bangalore, Hyderabad, Vizag and Taipei. An Excellent Service Provider BOT: Captive Centers, Cost Benefit Analysis, Engineering Process Transformation, and SLA driven delivery. Innova Solutions is maintained in five main business units which are Cloud Services, Data Engineering and Data Science, Payment Services, BOT Programs and Managed Services. These five units are further categorized as: Managed Services: 24*7 Support, L1, L2 & L3 Support, Service Delivery, ITIL Compliance and Continuous Services Improvement. Innova Solutions has an intensely client-focused approach and wide range service offerings which include supporting cloud and application transformation, delivering data services and providing managed operations. It thrives for working with enterprises seeking to raise profitability, increase agility, and improve IT efficiency and lower operational risk all with the single goal of accelerating business transformation. The company specializes in highly complex enterprise infrastructures, help Cloud Services: Cloud Transformation, Cloud Optimization, CI/CD Enablement, Cloud Dev Services, and Cloud Compliance. It has developed key platforms, solutions and frameworks to accelerate data services delivery. The Data Engineering and Data Science Services primarily address services to organize the data and to Unlock Value of Data. It also evaluates and partners with key players such as Microstrategy, Talend, AWS, Microsoft etc. to ensure and bring the right technology expertise to the table. Data Engineering: Big Data Lakes, MDM, Data Migrations, Data Governance and Data Security. Data Science: Cognitive Analytics, Visualizations, Artificial Intelligence and RPA. 16 October 2018|

19. ‘‘ Rajkumar Velagapudi Founder, CEO & President 17 October 2018|

20. Starting his professional journey from December 1990, he served in several roles, ultimately as Vice President, Business Development of Covansys Corporation till March 1998. From 1989 to 1990, he served as the Senior Program Manager with Siba Software Services. In November 1999, he served as the President and Chief Operating Officer of Innova Solutions till March 2006. Later, he served as the Head of Infrastructure Services at Mphasis Limited, and served as its Executive Vice President. ‘‘ He also founded Ness Financial and Business Innovation Services (formerly Olas Software Solutions Inc.) in 1996 and served as its President till February 2006. And served as Member, Executive Management Team of Ness IBS, a subsidiary of Ness Technologies Inc. since September 2008. Rajkumar has been the Executive Vice President, Business Development of Ness Technologies Inc. since September 2008. Prior to founding Fortify in 2008, he served as the Chief Executive Officer and President of Fortify Infrastructure Services. He is at the helm of affairs inclusive of Strategic Planning, Development and Sales & Marketing. During his tenure at one of the leading systems integrators, he was one of the Senior Management members responsible for expanding the business in the Western U.S. region. Innova Solutions provides a broad array of proven, tested, cost-effective and enterprise-scale technologies and services, that leverage the latest technology and delivery models to deliver high value in the cloud, in the data center and across complex interconnected environments. “The key offering that differentiates us in this space is our commitment to develop frameworks and solutions to expedite value realization”, adds Rajkumar. The Existing Picture of the Business Intelligence Industry The Business Intelligence Industry has undergone a paradigm shift over the past few years. With the changing times, come the new trends that take place for the better understanding of the current happenings. Here are some of the key trends Data Discovery and Visualization, Big Data and Analytics, Real Time Analytics, Cloud BI, and Data Science which further categorized into Predictive Analytics and Machine Learning and Cognitive Services. A Resourceful Founder A diligent personality, Rajkumar Velagapudi is the Founder, CEO and President of Innova Solutions. He has pursued B.S in Computer Science from the University of Madras, India. Having an extensive experience of over two decades in the IT industry, he handles the day to day activities as well as directs the company accordingly. He has been instrumental in conceiving data services offerings to enable the enterprise customers organize the enterprise data, but also to unlock value of data and insights from data analytics. Strategies to Escalate the Client Base It is imperative for companies to change with the ever- changing time and update its service offerings accordingly. In line with the trends and changing market expectations, Innova Solutions has three prong strategies to address the needs of its customers. 18 October 2018|

21. Company of the month name for itself in the longer run. In order to make this possible, Innova Solutions believes in providing its customers with the best of solutions. It is creating a stronger value proposition by investing in Cloud Computing, Data Science and Engineering and Digital Transformation. The idea is to be the end-to-end solutions provider for enterprise transformation needs. It has a successful track record in enterprise level transformation. Here are some of the key values integrated by the company: Develop Key Frameworks and Tools Innova Solutions has invested in development of key frameworks and tools to enable faster value realization for its customers. The –iDSP Innova’s Data Science Platform is a key value offering that has enabled its customers to jump-start BI transformation by adding cognitive ability and realizing greater value from their data. Key Partnerships Innova Solutions constantly evaluates various solutions and startup offerings in the industry and creates a partnership ecosystem to add value to its customers. • Better Customer Engagement • New Revenue Streams • Reduced Risk and Fraud • Adaptive product strategy • Better employee engagement • Efficient IT Operations • Effective decisions systems • High availability & performance ‘‘ Trained Global Workforce Innova Solutions invests in its employees and ensures the workforce is trained in new technologies. It has engaged the customers in developing critical POCs to prove the value of new technologies to validate their ideas. This is the Data Science Labs offering in action. These key values act as a set of benefits for the customers which in turn give the customers a detailed view of the various facilities available. Building Strong Valued Relationships Innova Solutions’ core values revolve around a client-first ethos. It drives its focus on professionalism, integrity and honesty, which are the key strengthens of the organization. These ethics build a strong foundation in how the company engages with clients and partners, how it delivers its services and offerings and how it follow-ups and ensures client satisfaction. It builds all its offerings on formal, well- architected process and patterns as well as the current industry standards and best practices. “We believe that providing the highest quality services to our clients requires that we value diversity, regularly challenge our assumptions, continually invest in our staff to enhance and grow our certifications and skill-sets, as well as create our own world-class intellectual property”, says Rajkumar. A Big Basket of Benefits In this competitive world, it is important for companies to offer top-notch services to stand amongst all and make a 19 October 2018|

22. Algo™ B adoption rises and capabilities increase. AI and NLP are driving increased ease of use and democratization with more ways to interact and collaborate with data beyond SQL queries and dashboards. usiness Intelligence is continuing to bring more and more value to enterprises as metro Detroit with operations in the US and Europe. interface, Algo ensures that users without any background in data science can make data-driven decisions and become more strategic and analytic in their day-to-day tasks. Algo offers easy-to-use conversational Business Intelligence (BI) and Workflow Automation platform that enables people to work to their full potential by learning to take over tedious and redundant tasks and collaborate using a single source of truth. Formerly known as Algomus, Inc. algo.ai, has created Algo, the world’s first supply chain analyst bot. Algo connects Artificial Intelligence, Augmented Reality, and Automation in a unique way to a specific set of industries: retailers, distributors, and manufacturers. The company’s deep domain knowledge of both technology and supply chain allows the team to rapidly train Algo on analytically rich workflows and business functions like Demand and Inventory Planning, Sales Forecasting, New Product Lifecycle Management, Assortment Optimization and more. Algo is headquartered in Improving the Way of Business Machine Learning to Enhance the Analyst Algo is the ultimate assistant to the analyst. Imagine needing to quickly look at the impact of a price change on a given product. A common way to do this is to run a linear regression on the data, in the past, this meant specialized knowledge on how to prepare data, run the regression, tune the model, and present findings to decision makers. Thanks to Algo even the most novice The platform uses a wide range of AI and Machine Learning (ML) architectures, including Prediction, Prescription, Time Series Forecasting, Natural Language Processing (NLP), and Robotic Process Automation (RPA) to allow for seamless and robust smart Human-in-the-loop workflows. With an easy to use conversational 20 October 2018|

23. 1 Most Valuable BUSINESS INTELLIGENCE Companies 2018 T h e analysts or business decision makers can now get the answer along with an informative visualization and the data used to obtain the answer in a matter of minutes, if not seconds. Users don’t need to do any of the heavy lifting, and can move onto the next important question. Algo allows people to work the way they should, as if they had a team of experts to help them discover the answers to their critical questions when they need them. Amjad is an Honors Electrical Engineering & Computer Science graduate and a senior member of IEEE. He earned his Master’s degree in Electrical Engineering & Computer Science from UMIST, in the United Kingdom with a focus on Artificial Intelligence and an MBA from MIT. Amjad is an applied researcher and practitioner in the field of natural language understanding and deep reinforcement learning. He has completed flagship Executive Management programs at Harvard and Stanford. Amjad was recognized in the Crain’s ‘40 under 40' program for his pioneering work in advanced analytics. Natural Language Processing - Conversation is the New Interface Exclusive Offering The ubiquity of voice assistants such as Amazon Alexa, Google Home, and Microsoft Cortana have created expectations that people can speak to their software and it will understand what to do. Algo applies the same concept to business data, making it easier for anyone to ask questions and analyze the data they have at hand. algo.ai’s clients are decreasing their overhead by automating tedious back-office operations and increasing the productivity of analysts, business people, and executives. In addition to cost savings, Algo adds to top- line revenue and bottom-line profits by enabling better data- driven decisions and delivering competitive insights that have previously been too time-consuming or complicated to get in time to make a real impact. Algo is enabling enterprise clients to serve their customers better, leading to stronger sales and more valuable customer experiences. Gartner predicts that by 2020 50% of analytical queries will be generated via search, NLP or voice. Algo is already there. The executive on the go can quickly ask Algo on a mobile device: “Total sales by customers who purchased DVDs in New York last month.” Natural Language interfaces empower people to ask more nuanced and natural questions of data and to receive relevant and insightful answers that lead to better decisions every day. Goals and Future Strategies Algo’s mission to enable enterprises to become powered by collaborative intelligence - facilitating an environment where humans and machines can work together to create superior outcomes and equip companies to become more agile and resilient in the face of a fast-changing future. ‘‘ Designer of Algo Amjad Hussain is an entrepreneur at heart, and has been developing AI applications since before it was cool. Spending the early part of his career building Business Intelligence capablitities for some of the world’s largest enterprises, he has finally been able to fully follow his passion as Founder of algo.ai where he is CEO during the day and AI building blocks designer at night. He is proud to have built a passionate team of domain experts, AI architects, machine learning scientists and full stack software engineers with deep industry knowledge of manufacturing, distribution and retail. The algo.ai team is actively solving meaningful problems for its enterprise customers worldwide. Algo will continue to introduce exciting new features and capabilities involving Augmented Reality and increased personalization and proactive insights. Algo is continuously learning from user interactions and data, multiplying his value to organizations from month to month. ‘‘ Amjad is also an LP at Detroit Venture Partners, a mentor at Techstars and an early stage investor in a few startups. In his previous leadership positions, Amjad has worked as the CTO and head of Business Intelligence for large US corporations. 21 October 2018|

24. Now Trending Reasons- 4 22 October 2018|

25. T here was a time when a desktop-based application was considered as a popular choice for managing the on-line business. However, with the advent of cutting-edge mobile technologies, deeper penetration of internet across the globe and affordable mobile devices, no one can imagine running a profitable business without having a mobile app. There are reports which clearly indicates that having a mobile app can prove a boon for your business. According to Techcrunch.com, Black Friday sales done through mobile devices last year touched over 35%. This impressive percentage was 16% more as compared to the sales done a few years ago, according to IBM Holiday Benchmark Reports. In fact, in a famous case study, it was revealed that when Domino’s Pizza launched their mobile app, they witnessed an astonishing surge of over 28 percentage points in half-year pre-tax profits in the UK alone. You can also witness an upsurge in profits by crafting an alluring fast pace mobile app. Let’s check how a mobile app can turn your fortune for a good. It Crafts a Brand to Remember According to one prominent study it is found that nearly three- quarters of Americans check their mobile phones at least once per hour. This study revealed that mammoth 90% of that time, American spends while working on mobile apps. Interestingly, Americans now spend more time on their mobile phones as compared to watching Television. Therefore, the presence of your app is crucial in the gallery of your targeted audience. Missing such can only prove fatal in long run. Your app can create a brand value for your business and let your business to get recognized to the entire world. In fact, in marketing, there is the Reasons- How a Cutting-Edge Mobile App can Prove Boon for Your Business? 23 October 2018|

26. one saying- ones a brand is created, money start filling into the company's coffers sooner or later. Your mobile app can create a brand for your business and increase your outreach to the even untapped territory. By crafting it stylish with the addition of informative and functional features, you can connect with the hearts of your targeted customers. Once your customers get involved with your app, the probability of buying your product becomes high. In advertising this is popularly called the “effective frequency”: as a rule of thumb, hearing and/or seeing your brand approximately 20 times is what will get you truly noticed. Instant Notifications Humans love instant gratification and attract very easily towards anything that can give them instant benefit. According to some prominent studies, when you offer a discount and other offers, more customers are likely to turn towards your business. However, not everyone gets informed in advance about the discounts, special offers and other packages that can benefit them. Having a business app for the mobile platform can assist you to attract more consumers towards your services by sending an instant notification. Such notifications can inform your targeted customers about the different deals, discount, and other events in advance without any hassle (in fact on-the-go) and result in boosting your revenue. For best results, schedule your push notifications at the right time. Everyone nowadays lives a hectic life schedule, and thus no one wants to get disturbed while at work or while sleeping. The promotional messages thus need to get triggered after work hours or on weekends to get read by most of your targeted audience. Social Referrals Referral programs are a great hit these days. Every business is expanding its business footprint with intriguing marketing techniques. Your loyal customers can run your marketing campaign that can prove a boon not only for your business but for your customers as well. With the reward of bonus points or instant cash, they can share your app with others (family, friends and other). Such campaigns can increase the visibility of your business to even un- targeted category and assist in building a new customer base. Thus, you can increase sales with minimal extra effort! Easy Orders Many humans are ‘lazy’ by nature who tries to avoid doing even a minuscule task if it is not at all on high priority. Your services might be exceptional, but will people come to your shop for buying that thing is a million-dollar question. Having a business app, you can turn those prospects into customers who otherwise happy to compromise on mediocre stuff due to long-distance constraints. Your business app can empower such customers to place an order just within a few clicks in a hassle-free manner. Easy order, real-time tracking, and secure payments options provides a great benefit to customers and are the prime reasons behind the stupendous growth of many e- commerce giants like Amazon, Alibaba, FlipKart, e-Bay and more. Moreover, your app can assist in analyzing your customer preferences, feedback and suggestions that too in real- time, which ultimately assist you in optimizing your services for serving them better in the future. Mobility is the on-going trend. If you still don’t have brought your business on the mobile platform, then we urge to do so. Not leveraging the benefits of mobile technologies can only help your counterparts to outpace you. Since the race is tight, profit margins are shrinking, and competition going fierce. It’s time to take a decision! 24 October 2018|

28. AmberLeaf C client is, everyone has some sort of expectation from their vendors or service providers. When expectations get fulfilled, companies’ coffers also get piled up and when the reverse happens, companies become obsolete. ustomers are the epicenter of every business operations. No matter how big or small your brand. It assists clients to optimize their customer’s interactions coming through sales, customer service, and marketing channels. “To meet customer expectations and personalize these experiences, it is critical to understand the complete view of a customer and explore that information to develop unique insights, preferences, offers, models, products, and services,” states the company. for the data integration processes and then delivers the insight not just through reporting and models, but in real-time to the system or employee who is interacting with the end customer. At the end, what a customer gains is the crucial stats and insights related to value, profitability, next best offer, or next best product in real time that ultimately assist in business decision making. Those companies who rightly assess the customer’s expectation remain in the race and those who unable to catch customer’s desire lags behind. To keep track of customer’s diverse and changing needs is thus the need of the hour. Chicago-based AmberLeaf is one such trailblazing IT company that offers cutting-edge Customer Experience Solutions to boost organization’s revenue. Distinctiveness of AmberLeaf For companies who want to create a competitive advantage through customer experiences, it is vital to have customer's information and adept analytical tools to derive meaningful insights for revenue gain. AmberLeaf offers such solutions to its customers. The company helps its clients to create a robust database infrastructure, guide AmberLeaf uses adept predictive modeling, AI, and varied metrics to improve customer interactions. Most organizations, especially large organizations, have figured out how to create reports and dashboards. But the company believes the next level of The company has proficiencies in transforming customer data into insights to increase customer loyalty, grow revenue, and strengthen your 26 October 2018|

29. 1 Most Valuable BUSINESS INTELLIGENCE Companies 2018 T h e business intelligence is to insert metrics and models into real-time business scenarios. internationally known speaker and writer for his work with data integration, large scale data warehousing and the strategic use of analytics. Once the internet revolution was over, Larry converted his analytics practice and business intelligence strategies to the customer facing parts of the business. He provided sales, customer service, and marketing managers and executives with the metrics they need to evaluate and improve their business has been his key passion for the last 15 years. As he continues to innovate for clients and his firm, Larry is helping clients with real-time, analytics, AI based decision making for personalization, dynamic content, and offer presentation. Road Ahead Many of its clients receive benefits from advanced analytical services. For instance, one of its prominent clients who manufacture capital equipment for other large scale manufactures earned immense praise and more business due to AmberLeaf’s services. With the assistance of Internet of Things technology (IoT), the company monitors the equipment for safety, product usage, and issues. “This allows us to create personalized messaging for the client, cross-sell opportunities, and pro-active and predictive customer service,” states the company. AmberLeaf is the pioneer in the field of business intelligence solutions. They constantly receive demonstrations for traditional and new vendors to understand their technology and their benefits. The company makes sure that they have the right partnerships in place to cater to its clients of different sizes, complexity, maturity, and budgets. By identifying the futuremarket leaders in each category (like customer data platforms, master data management, data integration, and personalization), AmberLeaf architects solutions for its clients that match with their business needs. AmberLeaf's key strength is to help its client in coordinating, integrating, and leveraging their sales, service, and marketing architecture. Their executives understand that just focusing on one aspect of their customer operations, like customer service, only leaves the sales and marketing functions underserving customers. Therefore, the company induces a holistic approach to customer experience in which data integration and real-time metrics are the key. AmberLeaf is continuing to blend software and professional services into client-focused solutions. “In near future, our endeavor is to enhance customer’s experience that allows clients to leverage market leading software, high end consulting, and implementation experience under one umbrella,” concluded Larry. ‘‘ Moving Ahead with Keeping a Sharp Vision on Future One of the biggest traits that define the real strength of any company is its vision to foresee the coming challenges and prepare for it in advance. AmberLeaf saw the writing on the wall many years ago that the explosion of interactive channels (internet, mobile, voice, TV, and more) was going to cause an explosion of information that would need to be cleansed, managed, consolidated, and analyzed. By precisely gauging future events, it developed the solution in advance, and this is the main reason why clients first turned towards AmberLeaf whenever a business intelligence related need occurs. ‘‘ The Innovative Mind behind AmberLeaf The man behind the growth of AmberLeaf is its President - Larry Goldman. He has been advising clients in customer experience and business intelligence strategies for over 25 years. When the Internet boom hit in the 90's, Larry decided to focus on data warehousing instead. Larry became an 27 October 2018|

30. Ondrej Tomas CEO 28 October 2018|

31. Expert's Opinion Transforming Data based Solutions Ondrej Tomas is the CEO of CleverAnalytics.com CleverAnalytics is Location Intelligence and Analysis platform driven by the business cases of CEOs, COOs, Network, Sales and Marketing executives. It excels in processing really large data sets and combining internal and external data into one data model. 29 October 2018|

32. or quite a few years now Data is a new business F dance around the data fire. So why would there be any need for more data, more data analytics, more tools? Machine learning is closely connected with cloud computing. Without cloud there would not be machine learning in the form we know it today. Machine learning works only when you have enough data for the machine to feed. And that exactly is the role of cloud. That applies also to ML software capabilities. Few years ago there was just nothing except for some super expensive and proprietary tools. Nowadays you do a few clicks on AWS (amazon web services) and you run your first ML query! Needless to say what amazing possibilities this brings to data turning into information. mantra. Data is strategic asset, data is a key to unlock real business potential. Everything seems to Obviously the challenging part is turning the data into information and turning the information into valuable insights. I personally went through many iterations of this value chain. I was on the vendor side providing data warehouse technology and business intelligence tools as well as being on the customer side, trying to find the right tools, getting the IT environment together with the business one, fighting for the data to give answers. It is not easy! Especially when you have a very precise idea what you want and what the outcome should look like. All that leads to some frustration and complexity issues. For our own technology (location intelligence platform) this meant an interesting breakthrough. All of a sudden we could provide our normal users with a simple analysis after initial data load that showed basic behavioral patterns. Just on one click. Amazing! Using computing power and know how of people that we would not be able to buy in a lifetime… However, the world of technology changes fast and a lot of frustrating tasks from the past are nowadays so easy to resolve. Why is that? But machine learning brings more. It learns every minute, every day some more, it learns more with more data. Thanks to this we all got used to using Siri on our phones or Alexa in our “smart” homes. All that being more capable every day due to machine learning. What a life changing technology! I am observing a few key trends and elements for this development. First and foremost, it is cloud computing adoption, secondly, it is machine learning and artificial intelligence principles and thirdly it is new large data sources that bring the “material” that can be and should be analyzed. My third topic was new large data sets as a raw material to be analyzed. And there are so many! We have a rising star - internet of things (IoT) together with Blockchain, internet browsers related data, smartphones generated data, etc.. And sometimes you do not even need a new source of data. Sometimes you just find a new use for the data already existing. Such as for us utilizing the location based data. There is a location element in more than 80% of all business related data today. Almost everything can be localized. Your phone calls, your card payments, your car parking, your web browsing… All this represents large data sets that wait for exploring. The fun part is that this is only a start of a new trend. There will simply be more and more data - i.e. more possibilities for turning them into a valuable insights. Yet only 0,5% of all data is now being analyzed. 95,5% of all data are not being touched! It is like our knowledge of oceans. Yes, we know a lot and we are learning fast, yet we only know so little :-) Cloud computing is the biggest democratization principle found in last decades. Cloud computing scaled down and brought up super advanced analytics to anyone, anywhere, anytime. Just a few years back only the biggest and wealthiest companies could afford to run large data centers with huge racks and server farms running all that expensive software tools from prime vendors. Today you can rent that technology for just a few moments to run your job at a fraction of a price and with the possibility to pay with your credit card. Not only can you rent infrastructure you can also rent software and you can choose from tens and hundreds of tools. When you don’t like the tool, you just stop the subscription and move to some more convenient tool. This is a true revolution. You own all the possibilities of this modern world with a single credit card in your pocket! What a massive impact this has. For example, any company in the world can decide NOT to have any IT! I mean servers, hardware, IT people... You can just run on cloud services. Without any back-office and in fact, you do not even need a physical office or company cars! So, exciting times are ahead thanks to all this amazing technology. And where politicians fail in their attempts to pursue democracy, it is technology that brings democracy into our lives as the most natural thing. 30 October 2018|

34. Caserta C provides transformative data strategies and solutions to advance analytics-driven businesses. The company advises, architects and develops products and solutions that incorporate the latest in emerging technology and trends. aserta, a technology consulting and implementation firm that Caserta supports all aspects of the data analytics ecosystem. This includes architecting systems and bolting together existing technologies as well as devising new and custom solutions to advance Business Intelligence. Caserta helps companies to gather, better utilize and analyze data to fuel business decisions and drive growth. for preparing data for analytics. Joe is recognized as an authority on enterprise data analytics and continues to innovate and expand his role in the industry. Joe’s consulting firm, Caserta, remains at the forefront of the data analytics revolution, devising the most unique and advanced analytics environments in use today. Caserta specializes in solving clients’ toughest data challenges. The company’s services include assessments and implementations in all things data, including data ecosystem re-engineering, cloud migration/transformation, alternative data, big data, enterprise data management and data governance, data lakes, application design, building analytics platforms, data science, data architecture, data engineering, ML / AI. Architect behind Caserta Joe Caserta is an internationally recognized public speaker, entrepreneur, technologist, and founding President of Caserta. Joe co-authored The Data Warehouse ETL Toolkit, an industry bestselling book that has become the standard Over the span of three decades, Joe progressed from transaction systems to dimensional data warehousing to big data analytics to innovative and advanced data analytics applications. Joe became fully invested in all of these paradigms and assembled a stellar team of strategists and 32 October 2018|

35. 1 Most Valuable BUSINESS INTELLIGENCE Companies 2018 T h e technologists to perpetually push the status quo to take data intelligence to the next level. begins with proper cloud architecture security standards including VPC, public/private subnetworks, Gateway VPN. Then includes full certificate configuration for all database endpoints, logical segregation of PII and non- PII data, group-based user-access control to data sets. “The best way to attract and retain top talent is to give them the most exciting projects in the industry. At Caserta, our talent is what makes us inimitable,” asserts Joe Caserta. Benefits of Caserta’s Solutions As Caserta brings more clients with more diverse Business Intelligence and data challenges, the company expands its footprint in the industry. Caserta’s clients benefit from its vast and proven experience through accelerated time-to-market speeds and deep domain expertise in especially difficult to staff areas, such as data science, data architecture, data engineering. Caserta partners with each client to ensure success not just for an initial engagement, but also to future-proof their organization and lay the groundwork for continued future success. Exclusive Approach towards Technological Advancement The Caserta Innovation Lab (CIL) empowers team Caserta with a secure arena to test and develop the latest trends and technologies. This is where they production- harden their projects for their clients and use what they have learned and developed to help speed up other client engagements and allow them to further develop new technologies like ML and AI. Caserta is the go-to company to help organizations that are going through major transformations where they have to become analytics-driven to survive in their competitive landscape. Under Joe’s leadership, Caserta has matured into a leading data intelligence firm with a reputation for creating bold, state of the art solutions. The business is built around creative thinking and harmonious client collaboration. Caserta provides transformative data strategies and solutions to advance analytics-driven businesses. The company implements enterprise innovation for all things data and the cloud. Comprised of industry leaders, Caserta partners with clients to help maximize data value and understand how to make the best use of it. Each solution is custom designed, built, and implemented to fit a unique business challenge. Future Roadmap of Caserta Caserta will continue to solve their clients’ new and evolving data challenges both in Business Intelligence and in other focuses of the data arena. They expect to continue to push the envelope on emerging technologies as the company devises solutions for its enterprise clients. ‘‘ ‘‘ Under Joe’s leadership, Caserta made it to the Forbes 5000 list for the fastest growing private companies and is acknowledged in the Gartner Market Guide to BI and Advanced Analytics Service Providers. It has also earned the award of Top 20 Healthcare Analytics Solution Providers in 2015 and the Top 10 Fastest Growing Big Data Companies in 2016. Safety Precautions Security is paramount to Caserta’s engagements and 33 October 2018|

36. Editor's Take Engineer Happiness. 34 October 2018|

37. Engineer Happiness. P rofessions are an integral part of human life which is even seen as a medium to fulfill countless aspirations. A job does not only give financial liberty to a person but it also provides a sense of pride. Workplace environment thus plays a pivotal role in one’s career. But what happens if employees get bored with their workplace itself. In a recent study, it is found that happy employees are 20% more productive than the unhappy employees and when it comes to sales personnel, happiness index even has a more profound impact, raising sales by over 37%. Interestingly, between 1998 & 2005, stock prices of Fortune’s ‘100 Best Companies to Work For’ has risen by an average 14% per year as compared to 6% for the overall market. Happiness index thus has its worth and employers can’t afford to ignore this vital parameter. Empowered Employees are the Torchbearer of Happiness Empowered employees are the most significant assets for any manager. They are the front warriors, who always fight for the progress of the company. Empowered employees are the huge drivers of workplace cheerfulness and help to engineer and spread cultural alignment. Renowned Author and motivational speaker- Simon Sinek, once said, “Empowered employees have the power to make decisions without a supervisor. They are entitled to go off script, bend the rules and do what they see fit if they believe it is the right thing to do for the greater good of the company.” They work as the change agent with the limitless possibilities to transform the company culture positively. It is thus vital to strengthen the hands of an employee as empowered employees are loyal, committed and potentially more dynamic as compared to non-empowered employees. A manager can empower its employee by demonstrating belief, showing and mentoring lucrative career paths, praising their efforts, forgiving their mistakes and listening to them intently. Moreover, sharing leadership vision, goals, directions, providing information for decision making, giving frequent feedbacks can empower workers that ultimately help in improving company culture and can boost happiness within the office premises. When employees are provided with the necessary tools and desired resources to manage or lead their own projects successfully, their enthusiasm goes beyond the expectation and benefits become endless. Prominent research, done by Harvard Business Review- revealed that- “when workforces feel empowered at work, it’s connected with stronger 35 October 2018|

38. job performance, job happiness, and commitment towards the organization.” Provide Flexibility for Work-Life Balance None come top of the stack than family. In the end, family is what for a person struggle for. Family is that ultimate thing for which a person sweats all eight hours and goes through pressure, challenges, accomplishments and even failures at some point of times. However, with ever-increasing pressure and fast- changing global business environment office stays becoming longer. Extended hours many times make the thin line between work and home even more blur. According to the Gallup poll, 4 in 10 Americans said they work more than 50 hours every week, and 2 in 10 more than 60 hours. Although- the average work week was 47 hours. On the other hand, science says: anything over 39 hours a week is a risk to wellbeing. These extended work hours are considered as harmful not only concerning health but for employees’ productivity as well. Therefore, many unions across of world have even joined the chorus of reducing work hours. In Jan 2018, more than 15,000 workers (who make car parts for renowned firms like Porsche) called a strike, for a demand of 28-hour work week with unchanged pay and work conditions. It was not about indolence, but about self-protection with stress-related diseases: they don’t want to die before their time. In France, a socialist politician proposes instituting a 32-hour work week for residents as well. In a major research, which was conducted on 510 employees of Fortune 500 Company, it was found that more extended work hour and work interference with family often lead to distress and sometimes affects employees’ family life as well. Problems are endless but what is the solution? Well, Flexible hours and working approaches can do magic and win employees' trust. Flexibility in working hours can allow everyone to find the perfect balance between home and work. Allow employees to have a flexible work schedule where targets delivery should be the priority, not the total working hours. Many employees have the capacity to perform certain task in a less time, once completed allow them to leave so that they can start and stop their day when they need to, based upon the requirements of their day on both personal and professional levels. Employees should be given the flexibility to work both from home or office as well. This not only shows your confidence in them, but also saves their hours which they spent on commuting. Those extra hours they can spend with their family and make a better work-life balance. Vacations are also an excellent tool for alluring employees. Vacations can rejuvenate employee mentally and physically and assist them in recovering from every day’s stresses. This is vital as it will increase the individual’s focus and productivity when they return and help to reduce teams’ psychological distress. Necessary adjustments thus the need of the hour; doing such things will not only help employees in balancing work and life but also strengthen employee’s commitment towards the organization. By giving your people freedom and trusting them to fulfill their duties – you will make them feel more valued. This will be repaid with an increase in productivity and profit. 36 October 2018|

40. Cxo Standpoint Effect of BUSINESS INTELLIGENCE and its Advantages I t is always said that “Better decisions can be made with better business insights” and to get better Business Insight industry uses Business Intelligence tools. Business Intelligence or often called as “BI” is application programs and technologies which is mainly used for collecting, storing, analysing and providing access to data. BI is all about creating business value for any organizations based on data & facts. BI provides more relevant information to any enterprise business user which helps them to make better decision more faster. Business Intelligence uses methods and programs to collect the data, convert the data into meaningful insight. BI collects large amount of data generated by enterprise and presents into meaningful actionable way. On a very high-level BI can be used for: • Performance Management • Analytics • Predictive Analysis • Data Mining • Access of organized data • Identifying inefficient business process • Identify hidden customer pattern • Identify areas of strength and weaknesses There are many types of BI applications that can be built like reporting, data mining, ad hoc query and data visualization tools, online analytical processing software, dashboards & performance scorecards. There are many BI Products in market which enterprise can use to fulfil their Business Intelligence needs. These BI Products 38 October 2018|

41. About the Author A company Co-founder & Director, Nasim Ahmad Ansari is now associated with ?Facile Consulting? and ?JCC Bowers? and serves as Director So?ware Development. Nasim is technologist who has held senior leadership role in So?ware Services & IT Consulting Company. Nasim has led large so?ware development team and has worked as O?shore Development Head. Nasim has worked with companies and customers like Sapient, CIBER, AFS Technologies, Toyota, TESCO, Xerox, Disney etc. Nasim now works on technologies related to BI, Cloud, IOT & connected, intelligent, and autonomous transportation technologies (connected autonomous vehicles). 39 October 2018|

42. comes with option of On-Premise or Cloud BI Software, and companies can choose to use any of these based on the best ROI and the resources they have to manage these BI software. There are many companies who offers BI products such as Microsoft, IBM, Oracle and many other SaaS companies who offers BI products and offering. Using some of cloud based BI tools can help you to create very powerful & scalable data models and insights. Cloud BI offers users to connect, analyze data and share insights on web, mobile or custom build applications. Using Cloud BI users can create interactive reports and easily scale their BI reporting solution. Effect of Business Intelligence for any organizations are many e.g. Identify the knowledge/insight from the huge structured and un-structured data, find out what contributes most for your revenue/business, single view of customer data, discover why & what motivates customer behavior. Any good and effective BI accesses all business data, from all of platform in a singular & unified dashboard system. This includes customer data from various systems like POS, E-comm System, OMS, CRM, email & campaign marketing, customer chats etc. and all data is aggregated into a single view of the customer and their interactions with any enterprise business. In today’s world of huge data and various ways customer interacts with business it is very important to have a single view of customer. Using BI, it is possible to create a single unified view of customer from such a vast data and drive lot of business insights which helps business and drives more revenues. That’s why most company these days uses business intelligence which has helped them to grow their sales. Business Intelligence helps business to find when and where they should invest for marketing. It is believed that retaining an existing customer costs less than making a new customer. And Business Intelligence is one such tool which if used correctly can help to retain existing customer. Now a days most of the companies are using Business Intelligence for improving Customer satisfaction, customer retention and customer loyalty. To improve customer retention there are ways which we can use in Business Intelligence. Here are few of the ways. • Analyze your customer based on their journey on your website and predict their behavior. To do this we need to collect as much data as we can from various source of our business be it social media, campaign, order management system, CRM, their click path on website, chat with customer care, chat with bots or support agents. Once we have collected customer data from various sources, Business Intelligence tools allows us to deeply analyze data and understand customer behavior and pattern. Once we know customer behavior and pattern we can design better and improved User Experience and attract them to come back to business. • Use Business Intelligence tools to influence customer behavior. Using BI tools, we can monitor and track customer response for a marketing campaign or advertisement. And based on this we can design and influence customer behavior as we know what is working for them and what they are liking. Various campaign can be run based on their demographic information, Gender, Age, Customer Journey on website. Using these customer information business owners can run specific campaign which works for their customer and it means more business and better customer retention. Summary In Today’s world, customers are demanding and to achieve customer satisfaction, customer retention and increased business, Business Intelligence has become necessity for all businesses. So if you are not doing it yet, May be its time to spend some time and see how BI can help you increase business as it is doing for others. 40 October 2018|

44. RM Applications R based out of Kuala Lumpur (Malaysia). RMA is founded by a group of experienced professional with a thought “Why it Can’t be Done”. This is where the journey of RMA begins to venture into development oh bespoke solutions to address the pain points, niche requirements, which can't be addressed through off the shelf solutions. RMA specializes in offering bespoke solutions in the area of Digitalization and Data Management Landscape. M Applications Sdn. Bhd. (RMA) is a MSC Status boutique software company Payments, ALM & Liquidity Reporting Data Mart, Data Management (ETL) Consulting & Development, Bespoke Data Mart, Regulatory Reporting, Localization and integration of Partners’ Solutions. Funding Ratio - NSFR), FTP (Fund Transfer pricing), IFRS9/MFRS9, IRRBB (Interest Rate Risk in the Banking Book) and Other Regulatory Reporting Data Mart. Analytics, BI & Reports Development: Development of customized Reporting, Dashboards & Alerting solution for various Business Verticals largely in the area of Compliance such as ALM, Basel 3 Liquidity (LCR / NSFR), AMLA, CRS (Common Reporting Standards), Regulatory and Management Reporting. BI & Data Management Offerings from RMA Bespoke DataMart Development: Developing bespoke data marts, which were fast, easier and deliver more value by serving the purpose of Clients i.e. makes the semi processed data available, which can be directly fed into the Risk and Regulatory Reporting engine to generate the reports and for analytics in the area of ALM (Asset Liability Management), AMLA (Anti Money Laundering), Basel 3 (Liquidity Coverage Ratio - LCR & Net Stable RMA started its journey as a delivery- oriented system integration company and later went on to be a provider of end-to-end bespoke business driven technology solutions for Conventional and Islamic Financial Institutions in South East Asia region. The company successfully delivers leading edge technology solutions in diverse areas such as Digital Remittance & Data Migration:Data Migration for migrating data to and from most widely used commercial databases, which could be homogeneous or heterogeneous. 42 October 2018|

45. 1 Most Valuable BUSINESS INTELLIGENCE Companies 2018 T h e Pioneer of RM Applications Lokesh Gupta is attached to RM Applications (www.rma.com.my) as the Cofounder and Heading the Solution and Delivery division. He is having seventeen years of experiences in Financial Solution Consulting, Regulatory Reporting and Project management. Currently, 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 has worked as a domain expert for various projects such as Islamic Financing, financial payments solution, and AutoTech. He has also co-authored four books in Islamic Finance and has published papers in various magazines. Benefits for RMA Customers The team RMA also call themselves as RMATEs listen to what customers want, get insights into their expectations and accordingly design and deliver the solutions. They believe in building a simple and customer driven solutions with emphasis on digitalization of data, workflow process, reporting, etc. Beyond their solution delivery, they take customer support very seriously, which is important post implementation. Also, the RMATEs is continuously upgrading their skillsets and products based on the latest technology to provide value add services to the clients. Future Ambitions The RMA’s ambition is continuing to be expansive both in terms of the broader product offerings and broader regional expansion. Lokesh is a firm believer of being a ‘Doer’, as he always remains ready to jump in, explore options, work hard and like to get involved in finding solutions. He has been a driver for a bespoke solution. According to him, the workable strategy for it is to analyze “As Is”, which could gain insight into the manual or partly automated process and then sketch out “To Be”, how one think it ought to work. Also, team RMA wants to see themselves as a company that is providing advanced, innovative and value-added solution in the remittance/payments and data management landscape leveraging on Big Data technology. They want to achieve a position where they are providing digital technology driven solutions to move away from cash based payments to digital payments using advance hybrid technology with QR Based, Blockchain and using Digital Assets as a method of processing remittance and payments. ‘‘ He acknowledges that business is all about ‘relationships’ and ‘trust’ which got to be earned and nobody can’t just demand it. His core strategy is to collaborate with clients and have their continuous feedback to design and deliver solutions that meets their expectation and industry demand. Beyond tailored solution delivery, he takes customer support very seriously, which is very important to address the pain points, which may arise due to operation and business as usual activities. The company is expanding globally with building its presence in regions such as Indonesia, Singapore, and Thailand, where they do have some ongoing engagement with clients. Strategies for Success RMA is focusing on expanding skill set and know how in the area of Big Data technology. From financial industry persay ‘R’ and ‘Python’ is picking up especially in the area of Data Modelling and Reporting. RMA is now strengthening its skill set on ‘R’ Modelling as it will be helpful in crunching the data and building up Data Models especially in the area of Credit Risk, Liquidity, Basel and Regulatory reporting such as MFRS9/IFRS9. This is the way to go and RMA has already started walking on this path and also developing skill set in the area of Big data. In addition, RMA has also started developing skills on upcoming open source databases like MongoDB and the company is exploring of using MongoDB for its existing Solutions. ‘‘ 43 October 2018|