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Digital Revolution
- Digital World With Digital Economy
1
Anurag Johari
Anurag Johari j16a@hotmail.com
Content
1. From IT to Digital
2. Digital Challenges
3. Digital Opportunities
4. Digital Economy
5. Digital Transformation
6. Way Forward
2Anurag Johari j16a@hotmail.com
From IT to Digital
3Anurag Johari j16a@hotmail.com
India's IT to Digital Journey
 Started in late 1960s primarily with computing devices like calculator and retail billing
 Globalization opened the doors of opportunities
 Gained momentum in 1990s with IT consulting
 Availability of engineers pool equipped with 4 years degree provided the impetus
 Liberalization in India gave the birth to domestic IT market
 Indian IT companies attained the maturity fast
 The race is to maintain the pace with global IT
4Anurag Johari j16a@hotmail.com
2
1
3
4
1960s
Desktops making inroad
Y2K, ERP, Dot Com
Off shoring , Custom Development
1991
1995
2002
5
2009
6Cloud, SaaS, PaaS, IaaS
2013
Digital Transformation
Computing
devices
7
2016
Fog Computing, Cognitive computing
Key Milestones of Indian IT Industry
Only Constant in the
world is CHANGE
TIME waits for None
5Anurag Johari j16a@hotmail.com
What is Digital ?
6Anurag Johari j16a@hotmail.com
Personalized
Customer Experience
Omni Channel
Targeted Marketing
and Sales
Product and Business
Innovation
IT Consumerization
(Digital)
Digital World 1/2
7Anurag Johari j16a@hotmail.com
Digital World 2/2
 Digital marketing, payment, delivery and customer relationship
 Social network based promotions, leads and campaign
 Any time and any where type business transactions
 Remote and mobile business monitoring and control
8Anurag Johari j16a@hotmail.com
Why Digital ? 1/2
Smoke
Drum
Pigeon
Synchronous
Asynchronous
Asynchronous
Synchronous
Synchronous
&
Asynchronous
Both
Telephony
Postal
Digital
Trumpet
Only Communication Communication with
Limited Transactions
Real Time
Communication &
Transactions 9Anurag Johari j16a@hotmail.com
Why Digital ? 2/2
Boundary less Real Time Communication and Transactions
 Single Window Any Time Global Access
 Easy and Efficient saving Time & Money both
 Seamless Integration of Customer Awareness, Engagement , Acquisition, Delivery and
Services
10Anurag Johari j16a@hotmail.com
Digital Challenges
11Anurag Johari j16a@hotmail.com
Digital Challenges
 Meeting customer expectations
 Innovative interactive content to catch customer attention
 Right alignment with market demand and personalization
 Strategy optimization with wider digital technology adoption
 Finding right talent to drive digital initiatives
 Credibility and authority for brand building
12Anurag Johari j16a@hotmail.com
Barriers for Digital Transformation
13
Source: Gartner –(Feb 2016)
Global CIO Perspective
0%
5%
10%
15%
20%
25%
Skill
Money
Culture
AlignmentTechnology
Change
Relationship
Anurag Johari j16a@hotmail.com
Digital Skill Gap Analysis
 Indian talent is still very much technology focused
 Digital market puts a premium on business and domain knowledge as well
 IT Services trainings focused on fixing the technical issues
 Need of soft skills like broader perspective, see big picture and out of box thinking
 Technical obsession of engineering talent
 Gartner recommends CIOs to hire diverse workforce including accounting, arts and
management etc.
14Anurag Johari j16a@hotmail.com
Digital Oppotunities
15Anurag Johari j16a@hotmail.com
Digital Opportunities
 Improve customer experience
 Data driven marketing
 Digital disruptions within, leading to digital evolution
 Redefine the Sales & Distribution channels
 More aligned, disciplined and managed Field Force
 Remote monitoring and control of systems
16Anurag Johari j16a@hotmail.com
Digital Economy
17Anurag Johari j16a@hotmail.com
Digital Economy
Digital Economy
Market Access
Social
Media
E-
Commerce
Mode of Exchange
Payments Delivery
Infrastructu
re
Technology
Business Operations
Processes Knowledge
18Anurag Johari j16a@hotmail.com
Digital Services
19
Service
Catalog
Service
Request
Payment
Service
Delivery
Reporting &
Administration
Digital
Technologies
Anurag Johari j16a@hotmail.com
Digital Payment
20
Courtesy: www.sarkariyojna.co.in
Anurag Johari j16a@hotmail.com
Digital Currency - Bitcoin
 Evolving crypto-currency network
Based on complete consensus among users
Decentralized Peer to Peer Payment Network without any Central Authority
 Estimated Bitcoin worth $1.5B in circulation are in use ( Source: https://bitcoin.org/en/faq )
 Estimated daily Bitcoin exchange is worth millions of $
 Still is hype mode and need time to attain maturity
21Anurag Johari j16a@hotmail.com
Socio-Economic Changes
 Boundary less socio-economic collaboration
 Business disruptions creating new market opportunities
 Easy and efficient business operations
 Growing tendency of taking informed decisions rather than gut feel based decision
 Social networking
22Anurag Johari j16a@hotmail.com
Digital Market
23
16
27
44
16
25
37
0
5
10
15
20
25
30
35
40
45
50
Now In 2 Years In 5 Years
Av. % Revenue India
Av. % Revenue Global
Source: Gartner –(Feb 2016)
Anurag Johari j16a@hotmail.com
Digital Business Impact
24
Source: Gartner –(Feb 2016)
9%
11%
20%
26%
37%
39%
40%
48%
66%
5%
0%
24%
38%
52%
19%
48%
62%
52%
0% 10% 20% 30% 40% 50% 60% 70%
Crossing industry boundaries
Expanding to new geographies
Changing the basis of competition
Creating new markets
Tighter partnerships
Cost reduction
Engaging and empowering employees
More business through digital channels
More revenue from better operations
India
Global
Anurag Johari j16a@hotmail.com
Technology Wise Funding
25
Source: Gartner –(Feb 2016)
9%
9%
10%
10%
15%
20%
21%
21%
25%
27%
39%
3%
8%
5%
1%
8%
36%
18%
32%
20%
30%
47%
0% 5% 10% 15% 20% 25% 30% 35% 40% 45% 50%
Industry specific applications
CRM
Network, Voice, Data Communication
Legacy Modernization
Security
Mobile
ERP
Digitalization / Digital Marketing
Cloud
Infrastruture & Data Center
BI Analytics
India
Global
Anurag Johari j16a@hotmail.com
Digital Marketing Strategy
Attraction Engage Purchase Retention Advocacy
PR
Mainstream
Media
Words of
Mouth
Online Ad
E-Mail
Social Ad
Reviews
Blogs
Social Posts
Direct Order
E-Commerce
Store
Channel
Partners
Website
Community /
Forum
FAQ /
Knowledge Base
Blog
Promotion
Social Site
News Letters
26Anurag Johari j16a@hotmail.com
Market Access
 Customer awareness, engagement, delivery, service, feedback and optimization
 Market segmentation (Offerings, Geography and Customer Base)
 Personalization
 Social listening for market monitoring & research
 Online selling (E-Commerce)
 Online Promotions and Campaign
27Anurag Johari j16a@hotmail.com
Mode of Exchange
 Online Order
 E-Payment
 Electronic Transfer
 COD Accounting
28Anurag Johari j16a@hotmail.com
Business Operations
 Processes
 Seamless process integration
 End to end process automation
 Knowledge
 Customer advisory
 Processes wide visibility
 Business analytics
 Remote monitoring
 Business operations optimization
29Anurag Johari j16a@hotmail.com
Digital Transformation
30Anurag Johari j16a@hotmail.com
Digital Technologies
Digital
Social
Mobility
AnalyticsCloud
IoT
31Anurag Johari j16a@hotmail.com
Digital Economic Analytics
Economy
Market
Capital
WorkforceResources
Regulation
32Anurag Johari j16a@hotmail.com
Social Media Technologies & ToolsSocialMedia
Listening
SocialMedia
Publishing
SocialMedia
Analytics
Social
Commerce
Hootsuite Klout Social Mention Twazzup
Addictomatic IceRocket TweetDeck Mention
Sprout Social Crowdbooster Agorapulse Buffer
Socialbro Postling Shoutlet Oktopost
Keyhole Brandwatch Buzzsumo Edgar
GoogleAnalytics LittleBird Quintly Rival IQ
Storefront Addshopper Chirpify Ecwid
Soldsie SociableLab 3dCart ToldYa
33Anurag Johari j16a@hotmail.com
Mobility Technologies
Kony Adobe Pegasystems Outsystems
Progress IBM Microsoft Salesforce
Mendix Red Hat Appcelarator Oracle
SAP Appian DSI Backbase
34Anurag Johari j16a@hotmail.com
Cloud Technologies (PaaS)
CloudAccess
Amazon Elastic
Beanstalk
Cloudify CloudFoundry
Cumulogic GoogleAppEngine RestBackup ScaleMatrix
Standing Cloud Azure WSO2 StratosLive OpDemand
Mule iON iKnode Jelastic ElasticBox
35Anurag Johari j16a@hotmail.com
Market Analytics ToolsCustomer
Segmentation
PersonalizationDashboardTrendAnalysis
SAS KDnuggets OroCRM Mautic
Segment Pimcore
Coremterics
Adobe Test &
Target
BT Buckets Barilliance
Pureclarity Marketizator Montate RichRelevance
Dundas Board Birst Halo
InetSoft Chartio Dashboards Exago
Qlikview Microstrategy Alteryx Prognoz
Yellowfin PyramidAnalytics Pentaho Targit
36Anurag Johari j16a@hotmail.com
Internet of Things (IoT) 1/2
37Anurag Johari j16a@hotmail.com
Internet of Things (IoT) 2/2
Internet
of Things
(IoT)
Anything Any
Device
Any Service
Any Business
Any Path Any
Network
Anybody
Anyone
Any Place
Anywhere
Anytime
Any Context
38Anurag Johari j16a@hotmail.com
IoT Landscape
Industries
Connected Cities
Connected Homes
Connected Cars
Wearable /
Data Collection
39Anurag Johari j16a@hotmail.com
IoT Usage Scenarios
Silo
M2M
IoT
Monitoring
Remotely
Controlled and
Management
Smart Systems
Internet
of Things
Telemetry
And
Telematics
Security
Surveillance
Automation
Buildings
Utilities
Manufacturing
Intelligent Transport
Systems
Smart Homes
Smart Meter
Smart Assets
Smart Enterprise
Smart SCM
Smart Cars
Sensors
Devices
Systems
Things
Processes
People
Enterprise
Industry
Product
Service
40Anurag Johari j16a@hotmail.com
IoT Technologies
AWS IoT Azure IoT Hub ThingWorx IoT
IBM Watson
Cisco IoT Cloud
Connect
Salesforce IoT
Cloud
CarriotsGE Predix Eclipse
41Anurag Johari j16a@hotmail.com
Digital Transformation
Innovative
Business
Model
Customer
Experience
Digital
Transformati
on
Operational
Efficiency
42Anurag Johari j16a@hotmail.com
Business Model Innovation 1/2
Customer Wants Customer Needs
Customer Intent Customer Expectations
Market
Opportunity
43Anurag Johari j16a@hotmail.com
KEY
TECHNOLOGY
ENABLERS
• Target Customers – Who will buy ?
• Offerings – What Products / Services we will sell ?
• Revenue Model – How the Revenue will be generated ?
• Value Chain – Where shall be the business within industry segment ?
• Cost Model – How the cost of the offerings will be measured ?
• Organization – How the business functions will be organized ?
Business Model Innovation
TargetCustomers
Offerings
RevenueModel
ValueChain
CostModel
Organization
Innovation
Business Model Innovation 2/2
44Anurag Johari j16a@hotmail.com
Innovative Business Model
 Cater the customers NEED, DESIRE or EXPECTATION
 Offer solution that is POSSIBLE with technology
 Economically VIABLE in given marketplace
 Make VISIBLE for Customer awareness, engagement, delivery, service and optimization
45Anurag Johari j16a@hotmail.com
Customer Journey
 Focus on entire customer journey
 Understand customer behavior and expectation at each stage
 Identify the customer touch points and reinvent the same with digital technologies
 Monitor the customer experience performance matrix
Awareness Approach Acquisition Delivery Relationship
Privacy
Instant Enabling
SocialPersonalized
Simple
46Anurag Johari j16a@hotmail.com
Customer Experience
Customer Touch Points
Content Functionality Look and Feel Navigation
Recommend ReturnBusiness
Outcome
47Anurag Johari j16a@hotmail.com
Operational Efficiency
Planning
Execution
Monitoring
Analytics
Optimization
• Effective and efficient planning
• Proactive risk identification
• Effective strategy formulation
• Flexible operations
• Dynamic resource allocation
• Data gathering
• Intelligent monitoring
• Informed decision
• Enterprise view
• Embedded analytics to
solve business problem and
decision making
• Historical data analysis for
forecast and planning
• Trend analysis for
diagnostic
• Data driven strategies
•Eliminate to redundancy
• Knowledge management
• Process reengineering
48Anurag Johari j16a@hotmail.com
Discovery
Planning
Execution
Adoption
49
Way Forward
Anurag Johari j16a@hotmail.com

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Digital Revolution - Digital World with Digital Economy - By Anurag Johari

  • 1. Digital Revolution - Digital World With Digital Economy 1 Anurag Johari Anurag Johari j16a@hotmail.com
  • 2. Content 1. From IT to Digital 2. Digital Challenges 3. Digital Opportunities 4. Digital Economy 5. Digital Transformation 6. Way Forward 2Anurag Johari j16a@hotmail.com
  • 3. From IT to Digital 3Anurag Johari j16a@hotmail.com
  • 4. India's IT to Digital Journey  Started in late 1960s primarily with computing devices like calculator and retail billing  Globalization opened the doors of opportunities  Gained momentum in 1990s with IT consulting  Availability of engineers pool equipped with 4 years degree provided the impetus  Liberalization in India gave the birth to domestic IT market  Indian IT companies attained the maturity fast  The race is to maintain the pace with global IT 4Anurag Johari j16a@hotmail.com
  • 5. 2 1 3 4 1960s Desktops making inroad Y2K, ERP, Dot Com Off shoring , Custom Development 1991 1995 2002 5 2009 6Cloud, SaaS, PaaS, IaaS 2013 Digital Transformation Computing devices 7 2016 Fog Computing, Cognitive computing Key Milestones of Indian IT Industry Only Constant in the world is CHANGE TIME waits for None 5Anurag Johari j16a@hotmail.com
  • 6. What is Digital ? 6Anurag Johari j16a@hotmail.com Personalized Customer Experience Omni Channel Targeted Marketing and Sales Product and Business Innovation IT Consumerization (Digital)
  • 7. Digital World 1/2 7Anurag Johari j16a@hotmail.com
  • 8. Digital World 2/2  Digital marketing, payment, delivery and customer relationship  Social network based promotions, leads and campaign  Any time and any where type business transactions  Remote and mobile business monitoring and control 8Anurag Johari j16a@hotmail.com
  • 9. Why Digital ? 1/2 Smoke Drum Pigeon Synchronous Asynchronous Asynchronous Synchronous Synchronous & Asynchronous Both Telephony Postal Digital Trumpet Only Communication Communication with Limited Transactions Real Time Communication & Transactions 9Anurag Johari j16a@hotmail.com
  • 10. Why Digital ? 2/2 Boundary less Real Time Communication and Transactions  Single Window Any Time Global Access  Easy and Efficient saving Time & Money both  Seamless Integration of Customer Awareness, Engagement , Acquisition, Delivery and Services 10Anurag Johari j16a@hotmail.com
  • 12. Digital Challenges  Meeting customer expectations  Innovative interactive content to catch customer attention  Right alignment with market demand and personalization  Strategy optimization with wider digital technology adoption  Finding right talent to drive digital initiatives  Credibility and authority for brand building 12Anurag Johari j16a@hotmail.com
  • 13. Barriers for Digital Transformation 13 Source: Gartner –(Feb 2016) Global CIO Perspective 0% 5% 10% 15% 20% 25% Skill Money Culture AlignmentTechnology Change Relationship Anurag Johari j16a@hotmail.com
  • 14. Digital Skill Gap Analysis  Indian talent is still very much technology focused  Digital market puts a premium on business and domain knowledge as well  IT Services trainings focused on fixing the technical issues  Need of soft skills like broader perspective, see big picture and out of box thinking  Technical obsession of engineering talent  Gartner recommends CIOs to hire diverse workforce including accounting, arts and management etc. 14Anurag Johari j16a@hotmail.com
  • 16. Digital Opportunities  Improve customer experience  Data driven marketing  Digital disruptions within, leading to digital evolution  Redefine the Sales & Distribution channels  More aligned, disciplined and managed Field Force  Remote monitoring and control of systems 16Anurag Johari j16a@hotmail.com
  • 18. Digital Economy Digital Economy Market Access Social Media E- Commerce Mode of Exchange Payments Delivery Infrastructu re Technology Business Operations Processes Knowledge 18Anurag Johari j16a@hotmail.com
  • 21. Digital Currency - Bitcoin  Evolving crypto-currency network Based on complete consensus among users Decentralized Peer to Peer Payment Network without any Central Authority  Estimated Bitcoin worth $1.5B in circulation are in use ( Source: https://bitcoin.org/en/faq )  Estimated daily Bitcoin exchange is worth millions of $  Still is hype mode and need time to attain maturity 21Anurag Johari j16a@hotmail.com
  • 22. Socio-Economic Changes  Boundary less socio-economic collaboration  Business disruptions creating new market opportunities  Easy and efficient business operations  Growing tendency of taking informed decisions rather than gut feel based decision  Social networking 22Anurag Johari j16a@hotmail.com
  • 23. Digital Market 23 16 27 44 16 25 37 0 5 10 15 20 25 30 35 40 45 50 Now In 2 Years In 5 Years Av. % Revenue India Av. % Revenue Global Source: Gartner –(Feb 2016) Anurag Johari j16a@hotmail.com
  • 24. Digital Business Impact 24 Source: Gartner –(Feb 2016) 9% 11% 20% 26% 37% 39% 40% 48% 66% 5% 0% 24% 38% 52% 19% 48% 62% 52% 0% 10% 20% 30% 40% 50% 60% 70% Crossing industry boundaries Expanding to new geographies Changing the basis of competition Creating new markets Tighter partnerships Cost reduction Engaging and empowering employees More business through digital channels More revenue from better operations India Global Anurag Johari j16a@hotmail.com
  • 25. Technology Wise Funding 25 Source: Gartner –(Feb 2016) 9% 9% 10% 10% 15% 20% 21% 21% 25% 27% 39% 3% 8% 5% 1% 8% 36% 18% 32% 20% 30% 47% 0% 5% 10% 15% 20% 25% 30% 35% 40% 45% 50% Industry specific applications CRM Network, Voice, Data Communication Legacy Modernization Security Mobile ERP Digitalization / Digital Marketing Cloud Infrastruture & Data Center BI Analytics India Global Anurag Johari j16a@hotmail.com
  • 26. Digital Marketing Strategy Attraction Engage Purchase Retention Advocacy PR Mainstream Media Words of Mouth Online Ad E-Mail Social Ad Reviews Blogs Social Posts Direct Order E-Commerce Store Channel Partners Website Community / Forum FAQ / Knowledge Base Blog Promotion Social Site News Letters 26Anurag Johari j16a@hotmail.com
  • 27. Market Access  Customer awareness, engagement, delivery, service, feedback and optimization  Market segmentation (Offerings, Geography and Customer Base)  Personalization  Social listening for market monitoring & research  Online selling (E-Commerce)  Online Promotions and Campaign 27Anurag Johari j16a@hotmail.com
  • 28. Mode of Exchange  Online Order  E-Payment  Electronic Transfer  COD Accounting 28Anurag Johari j16a@hotmail.com
  • 29. Business Operations  Processes  Seamless process integration  End to end process automation  Knowledge  Customer advisory  Processes wide visibility  Business analytics  Remote monitoring  Business operations optimization 29Anurag Johari j16a@hotmail.com
  • 33. Social Media Technologies & ToolsSocialMedia Listening SocialMedia Publishing SocialMedia Analytics Social Commerce Hootsuite Klout Social Mention Twazzup Addictomatic IceRocket TweetDeck Mention Sprout Social Crowdbooster Agorapulse Buffer Socialbro Postling Shoutlet Oktopost Keyhole Brandwatch Buzzsumo Edgar GoogleAnalytics LittleBird Quintly Rival IQ Storefront Addshopper Chirpify Ecwid Soldsie SociableLab 3dCart ToldYa 33Anurag Johari j16a@hotmail.com
  • 34. Mobility Technologies Kony Adobe Pegasystems Outsystems Progress IBM Microsoft Salesforce Mendix Red Hat Appcelarator Oracle SAP Appian DSI Backbase 34Anurag Johari j16a@hotmail.com
  • 35. Cloud Technologies (PaaS) CloudAccess Amazon Elastic Beanstalk Cloudify CloudFoundry Cumulogic GoogleAppEngine RestBackup ScaleMatrix Standing Cloud Azure WSO2 StratosLive OpDemand Mule iON iKnode Jelastic ElasticBox 35Anurag Johari j16a@hotmail.com
  • 36. Market Analytics ToolsCustomer Segmentation PersonalizationDashboardTrendAnalysis SAS KDnuggets OroCRM Mautic Segment Pimcore Coremterics Adobe Test & Target BT Buckets Barilliance Pureclarity Marketizator Montate RichRelevance Dundas Board Birst Halo InetSoft Chartio Dashboards Exago Qlikview Microstrategy Alteryx Prognoz Yellowfin PyramidAnalytics Pentaho Targit 36Anurag Johari j16a@hotmail.com
  • 37. Internet of Things (IoT) 1/2 37Anurag Johari j16a@hotmail.com
  • 38. Internet of Things (IoT) 2/2 Internet of Things (IoT) Anything Any Device Any Service Any Business Any Path Any Network Anybody Anyone Any Place Anywhere Anytime Any Context 38Anurag Johari j16a@hotmail.com
  • 39. IoT Landscape Industries Connected Cities Connected Homes Connected Cars Wearable / Data Collection 39Anurag Johari j16a@hotmail.com
  • 40. IoT Usage Scenarios Silo M2M IoT Monitoring Remotely Controlled and Management Smart Systems Internet of Things Telemetry And Telematics Security Surveillance Automation Buildings Utilities Manufacturing Intelligent Transport Systems Smart Homes Smart Meter Smart Assets Smart Enterprise Smart SCM Smart Cars Sensors Devices Systems Things Processes People Enterprise Industry Product Service 40Anurag Johari j16a@hotmail.com
  • 41. IoT Technologies AWS IoT Azure IoT Hub ThingWorx IoT IBM Watson Cisco IoT Cloud Connect Salesforce IoT Cloud CarriotsGE Predix Eclipse 41Anurag Johari j16a@hotmail.com
  • 43. Business Model Innovation 1/2 Customer Wants Customer Needs Customer Intent Customer Expectations Market Opportunity 43Anurag Johari j16a@hotmail.com
  • 44. KEY TECHNOLOGY ENABLERS • Target Customers – Who will buy ? • Offerings – What Products / Services we will sell ? • Revenue Model – How the Revenue will be generated ? • Value Chain – Where shall be the business within industry segment ? • Cost Model – How the cost of the offerings will be measured ? • Organization – How the business functions will be organized ? Business Model Innovation TargetCustomers Offerings RevenueModel ValueChain CostModel Organization Innovation Business Model Innovation 2/2 44Anurag Johari j16a@hotmail.com
  • 45. Innovative Business Model  Cater the customers NEED, DESIRE or EXPECTATION  Offer solution that is POSSIBLE with technology  Economically VIABLE in given marketplace  Make VISIBLE for Customer awareness, engagement, delivery, service and optimization 45Anurag Johari j16a@hotmail.com
  • 46. Customer Journey  Focus on entire customer journey  Understand customer behavior and expectation at each stage  Identify the customer touch points and reinvent the same with digital technologies  Monitor the customer experience performance matrix Awareness Approach Acquisition Delivery Relationship Privacy Instant Enabling SocialPersonalized Simple 46Anurag Johari j16a@hotmail.com
  • 47. Customer Experience Customer Touch Points Content Functionality Look and Feel Navigation Recommend ReturnBusiness Outcome 47Anurag Johari j16a@hotmail.com
  • 48. Operational Efficiency Planning Execution Monitoring Analytics Optimization • Effective and efficient planning • Proactive risk identification • Effective strategy formulation • Flexible operations • Dynamic resource allocation • Data gathering • Intelligent monitoring • Informed decision • Enterprise view • Embedded analytics to solve business problem and decision making • Historical data analysis for forecast and planning • Trend analysis for diagnostic • Data driven strategies •Eliminate to redundancy • Knowledge management • Process reengineering 48Anurag Johari j16a@hotmail.com

Editor's Notes

  1. Unstructured Supplementary Service Data (USSD) AADHAR Enabled Payment System (AEPS) Unified Payment Interface (UPI)