Category: Digital

After Covid-19, Telemedicine Will Never Be The Same Again!

April 16, 2020

Let’s face it – as far as innovations go, telemedicine isn’t exactly the blue-eyed boy of the disruptive start-up culture that has taken the modern world by storm. Before the world had heard of Covid-19, the industry had enjoyed adoption in only a handful of regions & countries. As per reports compiled within the industry itself, as many as 82% of the people surveyed in the US did not avail the services. An article published in the Wall Street Journal found that researchers who posed as patients across 16 different telemedicine apps reported misdiagnosis of symptoms. Furthermore, doctors registered with said apps often did not possess the license to operate in the regions where the apps were being used. All that changed in December of 2019 when the Covid-19 pandemic broke out on a global scale. Scampering to respond commensurately to a crisis that was rapidly getting out of hand, medical practitioners the world over reached out for any & all help that they could get. The Virus Caught Our Healthcare Systems Off-Guard One common feature unique to almost all public health systems, especially across developed countries, is that they tend to focus on personalized care. In the wake of a pandemic like Covid-19, health systems had to radically shift the way to operate & in a matter of days. As with any epidemic, hospitals have to brace themselves for the sheer number of patients that are admitted within a very short period. Even the most developed healthcare systems in the world often find themselves ill-prepared for such a scenario. While every member of the society is busy practicing safe or social distancing to protect themselves & their loved ones, the one group of individuals deprived of that luxury are the frontline doctors, nurses & other attending medical staff. We cannot afford to have them as our unsung heroes. If we are to stand any chance of triumphing over this virus, they will lead the charge. Yet, tens of thousands around the world continue to fall ill from the Coronavirus, the result of lack of proper protection & precaution by our foot soldiers within the eye of the storm. Telemedicine To The Rescue Thanks to the implementation of social distancing at a global level, vast sections of the population across countries & continents have now been relegated to the confines of their homes. Unless you have a confirmed or advanced stage of the Coronavirus or any other serious medical condition, trying to seek direct medical assistance at a time when healthcare systems are already severely stressed could tip them beyond the breaking point. Enter telemedicine. Both the WHO & the CDC have already issued directives encouraging the use of telemedicine to remotely monitor patients. This will help to stem the spread of the disease. Taking a cue from the aforementioned institutions, the American Medical Association (AMA) & the Academy of Family Physicians have also issued similar guidelines. The US government has followed suit. In accordance with the changing times, telemedicine companies are pivoting to go above & beyond in this hour of need. For example, Everlywell & PlushCare are developing at-home Covid-19 testing kits. Source: www.medicaldialogues.in Others such as HeyDoctor & Doctor on Demand are offering Covid-19 risk assessments for free. Telemedicine is an indispensable ally to healthcare systems trying to flatten the curve around the world. By facilitating diagnosis & consultation during social distancing, they serve the vital purpose of reducing the contagious disease from spreading. Challenges To Universal Adoption The explosion in the use of telemedicine services due to Coronavirus is testing the limits of the industry’s infrastructure & its ability to handle the pressure. As per a survey done by J.D. Power, before the pandemic struck, around 10 percent of the US population used telemedicine services. Today, PlushCare reports a staggering 70% increase in its appointments. Amwell, another telemedicine service provider, reported a 158% increase in its app usage since January in the US alone. Needless to say, this will push the industry & its resources in an unprecedented fashion. Furthermore, this large-scale adoption of telemedicine means more people who can diagnose themselves effectively & quickly. This, in turn, results in an influx of more patients to healthcare providers, thus burdening the system more. The present limitations of the telemedicine industry notwithstanding, there is no denying the immense service this disruptive new vertical can provide to society. In the last decade alone, global healthcare crisis in the form of the ZIKA virus, Ebola, MERS & Covid-19 have ravaged our planet. The future may very well bring us crises of similar, if not more severe, nature. One thing is abundantly clear – if we are to triumph over our present & future healthcare challenges that assume global proportions, we will not be able to do so without possessing a weapon like telemedicine in our arsenal.

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Virtual Banking: From A Global Hype To A Norm

November 12, 2019

“The fact that two-fifths of UK consumers won’t even consider using a bank with no presence on the high street demonstrates that there is a way to go to instil confidence. Few people rave about their bank, yet so many of us are cautious about trying a new way of doing things. The hurdle for digital banks is to get consumers to experience first-hand what the next generation of banking looks like.  Countless statistics on customer journeys tell us that people find digital banking easier than the traditional high street model, but a lot of consumers aren’t tech-confident enough to give it a go in order to find that out. To really compete, digital-only banks should be considering how they collaborate as an industry to help customers feel digitally literate enough to give their services a try. The payments industry works in a far more collaborative way to bring new offerings like contactless payments to market; this could be a good example for digital-only banks to follow.” – Anton Ruddenklau, Head of financial services digital and innovation, KPMG United Kingdom. In the last few years, a sudden rise of direct-to-consumer banks-usually called virtual banks have grown with around 11% of users across the globe started to using it as their main account reported by a study of 2019 FIS Performance Against Client Expectations. In the survey of 1749 U.S. consumers, it was reported that the reason was the shopper satisfaction index.  If we go around and see the data in details we get the following inferences for the UK. Top users of virtual banking Top users of digital payment Brighton (33%) Brighton (75%) Newcastle (32%) Cardiff (68%) Plymouth (29%) Southampton (65%)   Source: The Fintech Times  It’s creating a market of its own Virtual banking is convenient, it’s cheaper, and it’s gaining traction among international customers. Digital-banking is additionally fettered by a variety of things which will keep it a distinct segment market. Over time, the leading digital-banking establishments can overcome the issues of security and client satisfaction which can result in higher measurability. Until then, traders, investors, and shoppers of digital banks have to be compelled to be ready for volatility and churn because the market matures. There are many directions in which the digital banks will want to expand their numbers of shoppers. One direction is cryptocurrency. Digital banks are already partnering with outstanding block-chain technologies to power their performance. It’s solely natural for these establishments to list the tokens that underlie the block-chains similarly.   The fact that blockchain as a technology is maturing and a number of cross border FinTech start-ups like Transfer wise (money transfers without changing countries) are challenging the norm. It is a matter of time that USPs like availability of 24×7, on the go and lower costs are offered to the consumers, which will further help boom the market. The outcome, for the buyer, is probably going to be a mix of digital and ancient banking. The 2 can work hand in hand to supply the monetary product, access to markets, and account services across the spectrum of decree and cryptocurrency  In fact, if we go deeper and understand the trend we identify that 9% of British adults have opened an account with a digital-only bank, equating to 4.5 million people, reports a survey conducted by Finder. The proportion is higher among younger age groups. 15% of generation Z (born after 1996) compared to just 6% of baby boomers (54–73-year-olds). With London setting the example, being the fastest growing in digital-only bank accounts holders and next 26% of Londoners getting ready to open one. The stage is set. Start imagining a world where your ATM Card can let you have any currency of any kind and you will know that virtual banks are already here.

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Why Cloud Based Innovation Is the New Norm for Insurers Globally?

September 9, 2019

A number of insurers have started migrating their core business functions into the cloud, a sight which was rare a few years ago. A report by Ovum a few years ago had highlighted how 67% of CIOs from the insurance industry predicted that cloud computing will “completely transform the insurance industry in five years or less”. Today, we are excited to see that it is happening. But the bigger question is why is it happening? The reasons for adoption enlisted at a strategic level include enhancing operational efficiencies, adapting to agility and seamless access to disruptive technology that can drive innovation. Let us see a simple use case of FinanceFox AG, they have teamed up with Salesforce to integrate CRM applications with its insurance brokerage platform.  The platform lets users manage all exiting insurance policies and get advice on insurance coverage gaps. This has given users complete control and the organization is acting as a virtual advisor 24×7. Cloud-based insurance solutions have ushered in an era of innovation to such an extent that large enterprises are craving for a pie in this segment already. For instance, Alibaba Cloud had partnered with eBaoTech to launch ‘eBaoCloud’, an insurance cloud platform that grants insurers access to standardized insurance capabilities without the need to self-build or deploy their own systems. Recently, China Continent Insurance (CCIC) launched its next-generation Core System based on ‘eBaoCloud InsureMO’ as middleware. ‘InsureMO’ provides a comprehensive set of APIs to develop an ecosystem for connecting all internal staff user interfaces and workflows. If we look around we see a dynamic range of companies that are leading the race with cloud-based innovations. Source: Accenture Though we assumed that cloud solutions are only for boosting operational efficiencies and agility but they are evolving themselves to play a crucial role in combating insurance fraud that has plagued the industry for a long time.  For example, CNA Financial Corporation uses Shift Technology’s ‘FORCE’ fraud detection solution to automate the insurer’s fraud detection capabilities. ‘FORCE’ is a SaaS-based solution and claims to have a 75% hit rate. CNA Financial is charged based on the volume of claims processed. Did you know? According to Insurance Thought Leadership.com, insurers across US and Europe fall prey to insurance frauds worth approximately Euro 60 bn per annum. While an estimated 65% of fraudulent claims go undetected, about Euro 240 mn is spent by insurers to tackle fraud. Journey to Being Cloud-Native By now you must have already started planning on leveraging cloud for growth. Let us help you make the first move. An insurance company which provides motor insurance plans to decided of creating a smarter claims prevention mechanism and move it to the cloud. They would then be engaged in a number of considerations and scenarios like: The application and infrastructure model should be designed to account for unpredictable data flow The system must be able to decipher possible business implications from a weather alert of a possible thunderstorm It should have the necessary ability and algorithms to prioritize sending of push notifications and warning messages to policyholders while not hindering other workloads. While they check and analyse the requirements and possibilities they have to keep the core principles intact. But what are these core principles? Clear identification of all possible infrastructure requirements, architectural patterns and application models Well established difference between infrastructure resources that required smart configuration, and provisioning in case of an unforeseen scenario Drafting of architecture patterns for achieving scalability and flexibility of services to cater to the surge in data flows Finalization of application model to optimize solutions for both low configuration and scale-out scenarios Figure: Guardian Life’s shift to AWS Now we feel like we’re in a platform. And we’re capable of testing and learning a lot faster than we have in the past with much less of an investment. But we also have access to these new technologies and just as importantly, the people that are developing these new technologies.”- Dean Del Vecchio, EVP, CIO and Chief Of Operations at Guardian LifeThe partnership between insurers and cloud is here as to stay with cost advantages, co-creation possibilities and higher sustainability. With major giants already deciding to get out of the business of owning and operating its own data centres is a huge milestone for the new cloud-first approach.

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Here’s To Welcome Desktop PWAs

September 4, 2019

“These apps aren’t packaged and deployed through stores; they’re just websites that took all the right vitamins.” Alex Russell, Development Expert who coined the term Progressive Web Apps (PWA) in 2015 along with Frances Berriman, a Freelance Designer and Technologist. Since the term was coined, there has been a lot of confusion to what exactly it is. Pertaining to that, Alex Russell had already put out its attributes early but it still is evolving. Some of the features he defined or this class of application include: Responsive: to fit any form factor Connectivity independent: Progressively-enhanced with Service Workers to let them work offline App-like-interactions: Adopt a Shell + Content application model to create App like navigations & interactions Fresh: Transparently always up-to-date thanks to the Service Worker update process Safe: Served via TLS (a Service Worker requirement) to prevent snooping Discoverable: Are identifiable as “applications” thanks to W3C Manifests and Service Worker registration scope allowing search engines to find them Re-engageable: Can access the re-engagement UIs of the OS; e.g. Push Notifications Installable: to the home screen through browser-provided prompts, allowing users to “keep” apps they find most useful without the hassle of an app store Linkable: meaning they’re zero-friction, zero-install, and easy to share. The social power of URLs matters Even with a lot of well-written content around myths and confusion are still in the air. Some of the beliefs include: When you’re building a PWA, you require a JavaScript framework A single-page app is a must to start a PWA PWAs make sense only when used in a mobile interface PWAs are an Android-only thing However, all are a MYTH. The most predominant among them is that PWAs are a mobile-only thing. Why build Desktop Progressive Web Apps? While mobile phone usage has seen peak usages in the morning and evening, desktop usage is evenly distributed throughout the day. This is because people use desktops mostly when at their work desks. Desktop PWAs doesn’t need a separate tab or an address bar. This is because they are launched from the same place as other desktop apps. The look and feel are like other apps on the desktop. A service worker if available provides complete control of the app both online and offline. Pros to consider: The size of the app stays small when compared to native apps and they’re even faster PWA helps to fix bugs or errors easily when rolling an update than native apps Time taking installation is not required PWAs are reliable because service workers are able to cache all the assets they need to run For instance, Google Chrome is the only browser which is supporting Progressive Web Apps on Windows Desktop. Google Chrome from version 67 supports to install the PWA by visiting the website on Windows. Your first desktop PWA Requirements: Visit SuperPWA and have Chrome browser Version (70+) Visit the website that you would like to install PWA into Desktop From the Browser Menu (the three dots at the right corner of the browser), you can see Install + Website’s name (for example; if the name of the website is SuperPWA, then it will be Install SuperPWA) Once you click on it, you can see a Banner at the top centre of the browser. Click the Install button within the prompt. A new window will be opened automatically that loads the Start Page that you set for PWA. You can also notice an Icon within your Desktop Now the website works as an Application from Desktop with features of PWA In case, you want to get rid of your desktop PWA Presently Chrome PWA on the desktop provides 2 options to uninstall the PWA 1. Directly from the PWA Window PWA can be easily uninstalled from the PWA screen by tapping three dots (Customize and Control option). As from the options select Uninstall. Then a prompt occurs for confirming the uninstall, select Remove button. 2. Via Chrome Apps page Chrome apps page helps to find out what all PWA’s are installed within your desktop via Chrome Browser. For accessing it, type chrome://apps/ over the address bar. Find the app you wish to uninstall, right-click the PWA Logo which you would like to uninstall. And then select Remove from Chrome from the options and click Remove from the prompt appears. The way forward Desktop web apps are definitely a step in the right direction. What we think is with Google becoming a sole provider we need more giants to walk in. Rumours about Microsoft’s WebAPPX, which is a PWA solution things will turn on soon and make it mainstream in the long run. Apple is also expected to soon join in. However, for organizations looking to disrupt, adopting it early might be a good way to start.

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Future Sneak Peek: Insurance Will Be About Prevention Not Claims

August 29, 2019

Claims are a paradox for both insurers and claimants. None of the parties involved wants claims to occur. However, when a situation occurs claimants demand instant resolutions, transparent processes with a personalized experience. Insurers, on the other hand, remain wary about efficiency, accuracy and fraud/ litigation risks. We see a number of efforts being done in past to enhance claims handling processes and claim prevention remained virtually untouched. However, with technology coming at the driver seat, the rules are being re-written. Insurers are now beginning to look beyond using technology for operational efficiency. The possibility of creating data-driven products which can excite customers has got them thinking about how technology can be used to add value in customers life and become their strategic partners and not vendors. Upcoming areas like connected cars, telematics, interest-based data from social networks, wearable devices, and smart home solutions are gearing up to empower insurers to transform their business by becoming a claims prevention and risk minimization partner for customers. Time to become well-wishers and help them prevent accidents has come finally. Technologies are already at the heart of claims prevention If we are thinking it is the future, let me correct you it is the present too! Let us look at a unique challenge US insurers face. It is estimated that 14,000 water damage claims are recorded per day by US homeowners, each having a ticket size ranging between USD 6,000 – USD 15,000. They total up to a whopping USD 123 million in preventable damages daily. A Chicago based organization, Elexa identified this and currently offers ‘Guardian’, a fully autonomous water damage prevention solution which prevents water damage in the home and even shuts off water in the event of an earthquake with built-in vibration sensors. James Jackson, EVP of Elexa explains: “There’s nobody that IoT and home connected sensor devices matter more to than people in the insurance industry, because they grant peace of mind for the homeowners, and help to prevent costly damage claims,”. On the other side, we also see traditional insurers such as Desjardins, Willis Towers Watson and Franklin Mutual have partnered with Roost; a California based home telematics company, which offers smart sensors that help in mitigating claims costs by sensing water leaks, as well as humidity and freezing temperature situations. According to Roel Peeters, co-founder and CEO, Roost: “Home telematics solutions are not going to prevent an incident like a fire or a water leak from happening, but they can certainly help to mitigate a situation and reduce it from something that might result in total loss, which is devastating for homeowners and very expensive for insurers, to a much smaller and more manageable incident,”.  Another area which has seen some good traction is the Usage-Based Insurance (UBI) for automobiles. As per Frost & Sullivan, about 100 million drivers globally are expected to take such policies by 2020, with regions like Italy, UK and the US leading the shift. Progressive has already made its headway and is among a throng of many car insurers using telematics to determine a customer’s premium based on their car type, driving patterns, potential traffic, etc. Travellers, another insurance provider offers its “IntelliDrive” that allows parents to set safe driving rules for their children and receive mail or text alerts if the drive breaches these rules. Interesting isn’t it? IoT landscape is evolving continuously and making it challenging for insurers to adopt, learn, un-learn quickly to become a partner for risk prevention rather just risk prevention. The new-age insurance requires a shift in operational agility and continuous value creation. The need for having a strategic technological partner is now a must have!

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How Disruptive FinTechs are Solving MSME Credit Crunch? –An Indian Perspective

August 23, 2019

Snapshot of the current Indian MSME sector  8 million enterprises Employs approx. 124 million people 14 % are women-led enterprises 59.48% of total establishments were found in rural areas Accounts for 31% of India’s GDP Accounts for 45% of exports Biggest Challenge: Lack of adequate and timely access to finance Source: MSME Annual Report Source: MSME Annual report Traditional Financial institutions remain wary from providing loans because Small ticket size Higher cost of servicing the sector Limited ability of MSMEs to provide collateral The overall demand for both debt and equity finance by MSMEs is estimated to be INR 87.7 trillion (USD 1.4 trillion), which comprises INR 69.3 trillion (USD 1.1 trillion) of debt demand and INR 18.4 trillion (USD 283 billion) of equity demand. This need for technology disruption in formal debt financing has been underscored by a credit gap – estimated at USD230 billion in 2017 – coupled with demand and supply-side issues in financing for MSMEs. Source: Estimation-of-Debt-Requireme-nt-of-MSMEs-in_India report The Role of Technology in Driving Digital Finance According to PWC, MSME banking is likely to be the fourth-largest sector to be “disrupted” by Fintech in the next five years after consumer banking, payments, and investment/ wealth management. Fintech companies are offering solutions that can substantially improve efficiencies at every step of the lending process. Fintech models can provide end-to-end solutions for the lending value chain or “full stack lending models” such as peer-to-peer (P2P) lending, marketplace lending, crowdfunding, invoice based financing and so forth. Currently, a number of Fintech companies are providing for small-ticket loans focused on MSMEs that have limited credit history and need formal funding. Vistaar Finance – a Bangalore based company has created online sector-specific credit rating templates for the MSM businesses it serves. With a loan portfolio of INR 1,270 Crores, it has digital branch option for those businesses who wish to transact online and have access to technology to do so. Vistaar Finance has developed a template to list all categories of products as well as the margins a store makes on each product even with such basic information. Its credit managers evaluate customers based on this information. Vistaar has also tied up with Indian e-commerce platform in the B2B segment, mjunction in order to serve its small purchasers on the e-auction platform. The partnership is designed to augment the services of mjunction to its customers and also provide a healthy mix of portfolio for Vistaar in the MSME segment. Another Pune-based Kudos Finance that provides microfinance services to small businesses carried applicant sourcing, credit assessment and disbursal offline since customers do not have access to smart phones and need in-person communication channels with lenders, the company uses stores its credit data and documents, making communication within the NBFC more efficient, ensuring disbursal within 5-7 days. Before approving loans Kudos perform proprietary method of assessment by following robust underwriting process and also performs last mile customer verification to avoid frauds. Kudos has been continuously working on adopting technology to automate processes and has implemented systems to improve customer on boarding experience, decision making quality and reduce turn-around time of a transaction. Kudos Finance & Investments is actively using 28 technologies for its website. These include Viewport Meta, IPhone / Mobile Compatible, and SPF. NeoGrowth is a good example of a pioneer lender leveraging deep data insight and analytics to drive customer sourcing, underwriting, and monitoring, supported through a best-in-class tech stack. NeoGrowth serves MSME retailers, applying smart analytics on their bank account and financial data, along with insights from the retailer point-of-sale (credit card) system to predict customer patterns and behavior. The company also offers flexible and innovative repayment options to customers which are linked to their actual business revenues and performance. NeoGrowth assesses a borrower basis the digital spends happening on POS machines at his outlet. The proprietary technology platform of NeoGrowth, helps in analytical underwriting around the digital spends data and other alternate data. With its tech enabled underwriting it provides tailor made loans to various merchants as per their industry segments ranging from food& beverage, apparel, Salon, petrol pumps, automobile dealers etc. NeoGrowth’s card statement based scoring algorithms provide a better assessment of credit – worthiness of small businesses as compared to traditional balance sheet based lending. How are incumbents using Fintech solutions for digital lending? The advent of digital lending has addressed some of the major customer on-boarding hurdles faced by loan seekers in India. Kotak Mahindra Bank which launched its flagship Fintech product Kotak 811 to offer instant credit card issuance states that there was an 85% customer opt-in for the free credit score assessment. In addition to retail credit offerings to individuals, lending startups can play a vital role in formalising credit delivery to MSME, where 40% of the borrowing is still being carried out through informal channels and cash transactions. Bengaluru-based Shubh Loans has started the process to apply for an NBFC licence. The platform, founded by former banker Monish Anand and Goldman Sachs executive Rahul Sekar, is targeting the financially underserved segment. Shubh Loans has reached a monthly disbursal rate of INR 15 crore and is doing around 5,000 loans per month. Another tech startup Moneytap had begun by offering a credit line to consumers in partnership with private sector lender RBL Bank. The Moneytap app was launched in 2015 with RBL Bank, that lets lenders procure a sum between INR 3,000 to INR 5 lakh at a lower interest rate than incumbents. Once the amount has been payed-off, the app let its lender apply for more sum. Way Forward The future of Financial Services industry is bound to be customer-centric, technologically up-to-date( driven by the world of digital) and supportive of internal and external innovation efforts. According to PWC, more than 90 percent of MSME digital borrowers in the next five years will be first-timers. Consequently, there will be more drop-offs as MSMEs become frustrated or confused by the journey and abandon their efforts. Roughly 30 percent of MSME borrowers expressed increased

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Digital Success Summit 2019: What to Expect

July 18, 2019

A stimulating conference program focused on digital innovation and transformation. Over the years Indus Net has partnered in digital systems with a number of established players. We regularly innovate in Cloud/Data center, AI, Cyber Security, IoT & Mobile Technologies providing organization with the opportunity to keep in pace with global trends. Our Digital Success Summit V2.0 on 8-9 August 2019 with the theme, ‘Growing Digitally, Growing Profitably’ will encompass 7 deep dive workshops on Day 1 and back to back sessions by speakers from around the country on Day 2. Attend Day 1 to gain actionable insights on How to leverage businesses through powerful storytelling with Indranil Chakraborty The need and know hows for digital innovation with Abhishek Rungta How you can leverage content marketing to build your consumer base with Shubho Sengupta Learn the sorceries of social selling with Kiruba Shankar Get your digital marketing right with Aji Issac Mathew How can you use a combination of storytelling, imagery, and testimonials to boost business with Soumitra Paul Learn the best branding practices for your brand sustenance with Laeeq Ali Attend Day 2 to learn from discussions with the likes of Amit Ranjan is Co-Founder of SlideShare, which got acquired by LinkedIn. Since then he has worked with Government of India to build the DigiLocker project, which is used by more than 10 million citizens. Amit has always been passionate about building outstanding products that sell themselves. Learn from him about building virality into the product or service design. A star teen entrepreneur, Atreyam (Leo) Sharma who has been addressing leading technology events globally since 2014, including TEDx talks in India and Luxembourg.He started coding at the age of 11 and the following year, Co-Founded Workshop4Me. Vikas Malpani, a serial entrepreneur who also co-founded, India’s leading property listing platform-CommonFloor.Com. He is ranked as Business World’s India’s Hottest Young Entrepreneur & has won MIT TR35 Young Innovator Award for his growth advices. And hear many others speak on how to make your product or service viral, sales team management hacks, how to build and manage a remote team, consumer marketing on a shoestring budget and about personal branding Why Should You Attend? We are flying in a delegation of 500+ representing 100+ business covering the country, providing your organization with the opportunity to reach an audience including Enterprise CEOs, CIOs, CISOs, MIS / IT Directors PLUS Cloud Operators, Telcos, SPs, etc. Our Summit provide a highly efficient, cost-effective and proven formula for tech industry CEOs and senior execs, to learn through networking in a single location, in just 48 hours.

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Challenging Our Limits: New Additions To Our First Flush Program

July 3, 2019

The monotonous flow of idea exchange often makes the workplace experience a dull one, leaving behind a limited worldview to carry out day to day operations. This is exactly where new generations fit in as they bring a sense of fresh perspective and often challenge us to go beyond our limits and do something which we were not willing to do. At Indus Net, we are obsessed with the term “Adding Value”, so we ensure that we are doing it across all our functions. Our interns are not made to spend most of their time on making presentations; instead, they are given responsibilities to do some pilot projects. Under our flagship program, First Flush –where we aim to help budding digital pros to start their career with their first IT job, we have a rigorous process of ensuring that the mentors have a plan even before they join. Meet some of our sharp-witted and savvy interns who are making a mark, a rather big one! Sumit Kumar Sumit from Masaurhi, Bihar has been a star Super 30 student. He is a final year student at IIT, Kharagpur with the Department of Electrical & Electronics Communication who aims to become a dynamic Software Development Engineer down the line. His love for technology developed and shaped due to his uncle, who has been a source of inspiration and support, and he similarly wants to contribute back to society in his own way to make the world a better place. At Indus Net Technologies, he is currently working on developing an interesting employee feedback system. He, not only codes but also has defined the product needs by interacting with the employees at regular intervals.   Kuldeep Singh Kuldeep, also known among his friends as a ‘tech geek’, is pursuing Dual degree in Integrated M.Tech, Department of Electronics & Electrical Communication, IIT Kharagpur, and hails from the Bulandshahar district of U.P. As a child he wanted to be a cricketer but with the growing exposure of science and technology in his life, he slowly but gradually started to eat, sleep and breathe technology. He dreams of becoming an entrepreneur in the tech field someday. At Indus Net Technologies, he works as a full stack developer, right from hosting to front and backend. He is doing a pilot project around improving employee referral mechanism. He is well equipped with web languages like JavaScript, MySQL, and PHP.   Harshal Dheliha Brought up in Kolkata, Harshal is a first-year student from the University of Massachusetts, the USA who is majoring in Computer Science & Statistics. He is a focused individual and a good juggler between his non-academic and academic interests. He is a smart worker who is immensely passionate about learning new things and aspires to land up a job at Google. At Indus Net Technologies, he claims to have learned things that were never taught at the university and is currently developing a mobile application for products, which he finds very exciting.   Insha Taj A go-getter, Insha loves new challenges that come her way. She is currently pursuing an MBA from Amity University in Finance and Marketing and is an ardent branding and marketing lover. She is well-versed with 6 different languages, excels at Fine Arts and is a skillful Throw ball player.  At Indus Net, she is analyzing social profiles of a number of organizations and providing insight about ways to make their digital presence felt in the era of millennial.   Rajdeep Datta Born and brought up in Bardhaman, West Bengal, Rajdeep currently is a 3rd-year student at Jalpaiguri Government Engineering College where he is majoring in Computer Science and Engineering. He is a big-time TV show binge-watcher and is up-to-date with almost all the recent shows on Netflix! He is a tech lover who loves to explore new facets of technology for real-time applications. Rajdeep is interested in Android Development and does the same at Indus Net Technologies. He is learning the basics of PHP and Backend Server development with the team.   Mayank Churiwal Mayank, the 1st engineer in his family is not only a tech lover but is also a star sports player. He has been a part of U16 for basketball and U19 for football at the State level. He is a sports maniac who has played almost all sports – indoor and outdoor. His love for Computer Science led him into engineering at Vellore Institute of Technology. At Indus Net, he is working on automation based technologies and making changes to the existing mechanisms responsible for growth.   Sahil Agarwal Sahil, an enthusiastic student of Indiana University, Kelley School of Business, USA, is self-motivated and addresses himself as the “Jack of all trades” as he has varied interests in the fields of sports, literature, art, and academics. He particularly excels at Billiards at the National level. Sahil is an organized and focused individual whose main goal in life is to start-up his own business in the technology sector in the future.  With us, he is working with the team around our flagship event- Digital Success Summit. We are thrilled to have these energy-driven tech-lovers on board with us! We are sure to do some great work collectively with these great minds!

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Deep Work Is The New Secret Of Enhanced Productivity Among Remote Workers

June 25, 2019

Imagine sitting on your office desk, trying to concentrate on your work and suddenly the phone rings. Well, you are not only distracted but also diverted from the thoughts you were initiating. You might have seen a number of managers around the world getting excited the moment they come across a new way to improve the productivity of teams/individuals. They dream of that one ideal day with zero error tasks delivered on time. Deep Work can be a solution to this dream. What is Deep Work?  Deep Work is a concept coined by Cal Newport, a Computer Science professor at Georgetown University. He defines Deep Work as the ability to critically focus on activities which are highly important without any distractions. By doing this, you can avoid “shallow” work. Let us help you understand this better. Rewind your life and imagine a day where you had strict deadlines to meet. Calculate how many times you were forced to go through your email because someone wanted something urgently.  You will debate and see that if things were prioritized it would not have happened, but often a number of things are not in your control. Deep Work is a philosophy, not an initiative  Well, to initiate the process of Deep Work, Newport advices on developing an agile task list which has all tasks listed and is shared with your co-workers so that they are well- informed about their schedule and know when to approach you and for what. With remote colleagues, this philosophy continues as they can follow the same as per their time zones. With remote workers, the biggest advantage is that they can follow their own schedule and every information exchanged is well thought of. Why is Deep Work important for you as well as your team?  Deep Work helps to improve the core abilities for thriving in this competitive environment. It allows developers and designers to work on complex projects in a strict deadline with complete accountability. At Indus Net, we have created an ecosystem which fosters deep work from the onset. Teams based on the client’s needs and not skill sets are set up to ensure minimum distraction and maximum return. Some real-life instances In a survey of 450 remote workers, TalentLMS found that around 90% of survey participants get work done properly and adequately when working remotely. They have highlighted why concentration level is high if people work remotely and where they create a zero distraction zone. At Crossover, managers use Deep Work, productivity and work habits using a number of customized tools to know how effective their culture is. At Toyota, managers often go for short walks through the factory floor to have a look at the work of the team members. They use tools to find out the blocks of time wasted and use these insights to create a rectification plan and provide training sessions correspondingly. So how can you start? Create an agile methodology of work with well-defined tasks and responsibilities for 2 weeks Hire a remote worker and treat all colleagues as remote workers Define your and your team’s work schedule Ensure zero distraction during working hours Measure productivity using smart tools like Worksmart or develop one yourself Understand trends and improve Today, deep work needs discipline, efficient planning along with a change of mindset to understand why remote working can yield maximum results. Just imagine what you can do outside work with all those extra hours!

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How To Do Digital Innovation In Banking And Insurance? My Experiences From A Startup!

June 14, 2019

Presented some thoughts on doing successful digital innovation for financial service businesses. #fintech #insurtech @indusnettech Broad areas where financial service business can innovate during their digital transformation. How can you put a defined RFP and fixed budget for an ‘innovation’ project? – when the destination ‘might’ be known, but not the path If you think putting together a great product = battle won, you are in for a rude surprise! If you are innovating successfully, – monetize – brand – scale – do the next, Because… Digital transformation is especially important in light of the hyper-connected and constantly changing global marketplace that we live in – with consumer preferences often changing at a whim.

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