May 27, 2021
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Powered by TM ONE α Edge is organized by Huawei in collaboration with Malaysia Digital Economy Corporation (MDEC) and TusStar (Malaysia), The Huawei Spark Program competition was launched in November 2020. This hybrid accelerator program hopes to supercharge startup growth within the deep-tech segment by providing crucial resources and business development opportunities. The winners will receive access to TM ONE α Edge cloud platform, business matching opportunities, networking sessions, and one-on-one mentoring from industry experts.
Through this competition, TM ONE hopes to help start-ups build greater capabilities with cloud technology in helping them achieve business resiliency and scalability. We aim to increase cloud adoption by startups, which currently contributes to 26% of the Malaysian cloud market according to GLG Consulting. As a fully integrated digital enabler, this event strongly supports our vision to further develop Malaysia into a digital-first nation.
In part one of our Tech Competition series, the stories below showcase the 10th to 4th place winners (excluding the top 3 winners) and the respective solutions that were pitched. The 10 winners were chosen among 140 entries that participated in the competition.
OrangeFIN, Providing Accessible and Sustainable Automation
OrangeFIN Asia equips companies with a highly accessible and sustainable approach to adopt Robotic Process Automation (RPA). Using software bots, RPA offers value by automating business processes based on specific sets of business logic. With its flagship product OrangeWorkforce, OrangeFIN allows companies to deploy these bots at a personalised level with specific solutions catered to the needs of their clients. Applications include accounting automation, sales process automation, regulatory reporting, and data quality assurance.
Driven by Artificial Intelligence (AI), their bots come equipped with a peer-monitoring ability that identifies glitches and acts by triggering self-recovery. Having this capability ensures that the bots are self-sustained and require minimal monitoring. The use of AI adds value by arming the bots with cognitive abilities to handle higher-order tasks.
In the banking sector, OrangeFIN has been successful for one of the top Malaysian banks in automating its Cheque Clearing Process to clear an average of 135,000 cheques every day. OrangeFIN is also a technology solution provider within UOB Jom Transform Program. It aims to digitalise local SME operations to increase productivity and revenue. Notably, its efforts also gained nationwide recognition, achieving the Malaysia Technology Excellence Award in 2020 within the Robotics and IT services segment.
SmartPeep, Improving Patient Care with Video Analytics
SmartPeep offers smart-care technology solutions to upgrade elderly patient care. Their founder, Lim Meng Hui developed these features after witnessing the injury of a family elder who fell and did not recover from the consequent trauma. Understanding the pain points of both the seniors and the caregivers, SmartPeep developed an AI-powered surveillance technology solution. Its mission is to assist caregivers in providing effective elderly care with AI.
The main product, SmartPeep AI Elderly-Sitter System, is a smart assistant for caregivers to detect and prevent potential accidents. For example, the system can detect a patient trying to get out of bed that may cause them to fall. It would then instantly alert the caregiver to attend to the patient proactively. Other situations include when patients are wandering around alone, away from the bed at odd hours, or in the toilet for an extended time. This offering significantly improves the caregivers’ ability to monitor patients and provide just-in-time assistance to prevent any accidents from occurring.
The SmartPeep AI solution has shown to be effective, with adopters reporting over 50% reduction of in-patient falls and over 60% faster response time from nurses. The World Health Organization reported fall-related incidents as one of the major causes of premature death. Hence, SmartPeep is proving to be the crucial foresight for caregivers in preventing such incidents and ensuring the best care and safety for their elderly patients.
BookDoc, Connecting Patients to Digital Healthcare
Founded by two healthcare and e-commerce space leaders, BookDoc is a telehealth platform that aims to connect healthcare providers to patients conveniently. Its end-to-end telehealth solution comprises 40,000 healthcare professionals serving 900,000 users across five APAC countries. In collaboration with Google Maps, Uber, and Agoda, BookDoc is fortifying the medical tourism industry while proving to be a key technology enabler for local health programs.
Being a one-stop digital healthcare platform, BookDoc offers a range of services to reduce overall healthcare costs for consumers and corporates. The telemedicine ecosystem includes AI-integrated tele-consulting and chatbot services that allow patients to access healthcare remotely. BookDoc also offers next-gen healthcare services, such as IoT-integrated wellness programs, virtual clinics, a health-focused e-shop, and commercial data analytics. The Ministry of Health (MoH) onboarded the BookDoc telehealth platform as its official partner for healthcare initiatives. This collaboration sees them offering the latest updates on the virus whilst enabling on-demand COVID-19 tests and virtual consultation from government clinics. Alongside industry partners such as the Ministry of Education and Petronas, BookDoc achieved global recognition for its innovative healthcare solutions, including spots on the CNBC Upstart 100 List and the ASEAN Business Awards in 2019.
Fuhla, Finding Your Perfect App
The mobile applications market has seen rapid developments across many categories, and this abundance has created a choice overload for consumers. Consequently, this has negatively reduced the visibility of newer developments in the market. To tackle this problem, YouthsToday.com developed Fuhla, an app-experience-enrichment service provider that aims to empower technology-based companies with faster go-to-market abilities. This platform enables users to browse and discover new applications that currently lack visibility on the mainstream digital marketplaces. As an added value, it allows app advertisers to share marketing costs and reach a clear target market. Notable successes include applications such as Raiz and Touch N Go eWallet that were initially listed on Fuhla to build a foundational user community.
Fuhla uses deep learning AI capabilities to profile users in their app tester community served by a proprietary app recommendation algorithm. They collect multipoint behavioural and location data for their machine learning capabilities. To ensure top-level security over personal and financial data, Fuhla uses a secured server hosted by SWREG. Additionally, with data analytics functions built into dashboard report features, early app developers (those with less than 10,000 downloads) can access valuable insights and obtain direct UX feedback from the Fuhla community.
MSA, Meeting All Your Travel Companion Needs
Although it was in its nascent stage within the tourism industry, Fonebud IoT Berhad unveiled its Mobile Sharing Assistant (MSA) device at Consumer Electronics Show 2019. Developed as a perfect companion to business travellers, the MSA operates as a portable handheld WIFI hotspot with language translation and device-charging features, among others. MSA harnesses its unique sharing cross-border rental system. Its devices are available at retail outlets and vending machines to provide data to travellers across the Asian region. MSA helps travellers save costs and tackles concerns with foreign language communication and mobile device connectivity.
Being an integrated IoT device, the MSA uses eSIM technology and its extensive collaboration with telecom operators to offer international data roaming services. The hotspot feature supports 21 bands of 4G LTE in over 120 traveller-friendly countries, giving travelers on-the-go connectivity. Advanced AI and NMT (Neural Machine Translation) technology form the core to the state-of-the-art language translation feature. The MSA instantaneously recognises and translates conversational semantics in its unique push-to-talk dialogue feature. Additionally, this ‘Good Design Award’ winner also aims to revolutionise pocket travel guides, as it offers image translation abilities to help as an AI tour guide.
Boss Boleh, Digitalising Company Secretaries
Boss Boleh is a start-up that plans to disrupt the traditional company secretarial (CoSec) services landscape with a modern approach. Billy Lee, founder and CTO, developed the company after discovering the heavy secretarial expenses incurred by start-ups. Its solutions include affordable tiered packages and flexible on-demand secretarial services that cater to growing Malaysian companies.
Driven by cloud technology, Boss Boleh operates on a multi-tenant SaaS system design. The said multi-tenant design allows a wide range of integrated secretarial solutions (including advisory, tracking, and reporting) to be available on a single platform. Users have 24/7 access to statutory documents, cloud applications and storage, digital signature verification, and startup mentorship. With its end-to-end solution, Boss Boleh intends to replace in-house company secretaries, which will significantly reduce secretarial costs and compliance complexities for small companies.
Its smart services use several key digitisation technologies – cloud architecture, workflow automation, AI-enabled chatbots, e-KYC for on boarding, RPA, and accounting integration, to meet the evolving regulatory requirements. As validation of its industry value and innovation, Boss Boleh has won multiple awards, including MyHACKATHON 2020 and was among the Top 10 in the ASEAN Start-ups competition in 2021.
Orpheus Capital, Simplifying SME Financing
As businesses continue to struggle during the pandemic, one of the key pain points is the need for adequate cash flow to continue operations. Orpheus Capital aims to support the underserved community within the SME segment by providing fully digital seamless financing solutions. Positioning itself as a fully digital Shariah-compliant supply chain financing company, it provides services ranging from invoice financing, contract financing, and payday financing.
Orpheus Capital has a purely digital application process for its financing solutions, done through its website. Customers only need to upload several invoice documents and are eligible to receive their funds within 48 hours. An advanced AI system runs the entire workflow, which includes a unique risk scoring system, automated debt collection and contract signing, as well as a tool for fraud mitigation. These technologies allow Orpheus Capital to differentiate itself by providing fast, simple, and secure financing solutions for SMEs.
Embracing deep technology to drive future growth
The average life span of an S&P 500 company has decreased from 60 years in the 1950s to under 20 years currently. This statistic indicates the disruptive nature of technology in shifting the nature of businesses. Hence, it is imperative for companies to understand the pivotal technologies that are driving these solutions. From large companies to small companies, the adoption of these technologies is key to building future-proof business models.
At TM ONE, we believe that providing strong infrastructure support for solution providers will help them scale their technology with speed and security. This support includes allowing companies to expand their business capacity with a reliable, cost-efficient IT infrastructure. Hence, with the support of TM ONE’s α Edge Cloud platform, we strive to work together towards crafting a more profound, digital future for Malaysia.
September 16, 2021
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On the eve of Malaysia’s 64th National Day, I had the opportunity to engage with a few of our youth on their expectations for future citizen services. It was inspiring to see the passion, energy, and ideas flowing as they aspire to build a better tomorrow. The conversation helped me gain useful perspectives on what is important and possible next steps for us to build the next generation of citizen services. Here are my five (5) key takeaways from the session:
I was immensely inspired – every youth on the panel was part of a social initiative. Beyond just sharing ideas, they involved themselves actively and contributed to help build a better Malaysia. The onus is now on us in the government and institutions to channel that same energy into driving collaborative projects and creating world-class citizen services.
Looking forward to this exciting future. Selamat Hari Malaysia!!
September 13, 2021
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The COVID-19 outbreak has placed a massive strain on the global healthcare sector’s workforce, infrastructure, and supply chain. Medical practitioners are exhausted, and healthcare systems are forced beyond limits to the brink of breaking down. Despite the many challenges, a decrease in revenues and rising operational costs, healthcare players continue to push forward, committed in providing high quality healthcare services to patients. Nonetheless, the pandemic has exposed the shortcomings of healthcare systems worldwide. Striking at the nation-building heart of many countries, the pandemic has significantly disrupted social, political, economic and healthcare systems around the world.
However, we have also seen the emergence of foundational shifts arising from COVID-19. Needle mover initiatives are being made globally by both public and private sectors, recognising the need to relook healthcare ecosystem modernisation towards a comprehensive, integrated digitisation and digitalisation. New coping strategies, involving the accelerated adoption of telemedicine, smart health and other technologies, are considered as imperatives. Amid these dynamics, public sectors, healthcare providers, players, and other stakeholders around the globe are being challenged to pivot, adapt, and innovate at speed to amplify the reach and effectiveness of healthcare.
The Digital Front Door
A smart health approach typically makes use of interconnected technologies to embrace the entire spectrum of healthcare providers, consumers and researchers to ensure the delivery of cutting-edge care that is comprehensive, collaborative, efficient – recognising the needs of patients and their families as well as healthcare practitioners and administrators. The use of telemedicine, complemented by analytics, artificial intelligence (AI), data protection and scalable cloud ecosystem is gaining traction. The pandemic has opened doors for AI and other digital technologies to solve complex clinical and non-clinical problems.
A recent report published by McKinsey & Company highlights that telehealth utilisation has stabilised at levels 38X higher than before the pandemic. Similarly, consumer and provider attitudes toward telehealth have also improved. Investment in virtual care and digital health have broadly skyrocketed. Additionally, virtual healthcare models and business models are continuing to evolve.
However, some hurdles, such as concerns around technology security, need to be addressed. TM ONE has innovated a complete ecosystem of healthcare solutions, which is modular and interoperable with external systems connected via TM ONE Cloud α (pronounced as Cloud Alpha) and TM ONE Cybersecurity (CYDEC) to ensure world class security. McKinsey points out that, the ‘digital front door’ will not be closing as patients and providers have appreciated and embraced the convenience and flexibility of this type of care especially during the healthcare crisis. As we gradually move through and onwards into recovery, a key concern for any health system will be scaling and sustaining these digital interactions.
Driven by Human Experience
Consumers expect industry leaders to leverage on the momentum created in the pandemic to continue to propel healthcare forward, especially as good healthcare services is a key hallmark of sustainable future ready nation building. According to Deloitte, collaborations and the human experience are two (2) of six (6) pressing sector issues that are expected to shape and navigate the healthcare industry into and through the evolving ‘next normal’.
Healthcare technologies, which especially appeal to the digital first generation, has inspired deeper levels of activity, engagement and enhanced patient experience. A visit to the doctor is already a worrying experience for some without having to deal with the paperwork, hours of waiting time and patient care. On a wider front, consumers are using technology to monitor their health, measure fitness, order prescriptions and schedule doctor’s appointments. Eighty percent (80%) of consumers report that they are most likely to have another virtual visit even post pandemic. Pandemic experience has shown that the best path to effectively enabling digital solutions requires various levels of smart collaboration moving away from siloed record systems. Providing a comprehensive end-to-end integrated patients experience management platform with insights, one which is truly beneficial for consumers and patients — calls for collaborative arrangements, which embrace data platforms, disruptive entrants, public/private partnerships, and health system platforms integration.
TM ONE Healthcare understands the complexities of the healthcare industry. It will simplify the electronic medical records platform, and channel patients, healthcare providers and funders into a single, secured, standardised and cost-effective solution. With extensive experience in rolling out clinic management systems and electronic medical records, together with a dedicated team to maintain and provide adequate support to end users and partners, TM ONE Healthcare will ensure the best experience for all stakeholders.
August 31, 2021
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As consumers, we have all embraced digital services wholeheartedly since the onset of the COVID-19 pandemic. Businesses and Government agencies made great progress in making available digital services needed to ensure limited interruption to our lives. We have all been witness to amazing journeys of change, innovation, and transformation. As citizens and consumers, we have high expectations of new digital experiences.
In conjunction with Merdeka Day, we decided to engage with the youth to understand their expectations of how citizen services could be more digital in the future. Accordingly, our Group Chief Executive Officer (CEO) of TM, Imri Mokhtar, hosted six (6) youth representing the diversity of Malaysia to hear from them, their expectations, aspirations, and hope for the future of public services.
This article is an edited transcript of the discussion. You can listen to the podcast episode in the upcoming weeks.
Lancaster University, MSc in Economics
Lancaster University, BSc (Hons) Economics & Data Science
Is passionate about leveraging data to solve the world’s biggest challenges. In a recent project, she studied the data on poverty-stricken states in India to help support the distribution of free school meals to students.
UCSI, BA (Hons) Accounting & Finance
Is currently a research analyst with Twimbit. He is passionate about the crypto market and blogging on LinkedIn. He is an avid sportsperson and aspiring entrepreneur. He also contributes his time to a social initiative aimed at empowering young refugees in Malaysia.
LSE, BA (Hons) Accounting & Finance
Is a soon to be central banker and has a deep interest in financial markets, crypto and traditional precious metals. He worked at a Non-Governmental Organisation (NGO) to help improve access to the best tertiary education institutes in the world.
Netherlands Maritime University College, BA (Hons) Maritime Law
A true blue Borneon and is the first President of Educity’s multi-varsity student senate. She conquered her fear of public speaking when she spoke at TedX UoSM in March 2020.
UiTM, LLB (Hons) Law
Is actively engaged in advocacy work, especially in children’s rights. She currently holds the position of Deputy Country Director of ASEAN Youth Advocacy Network Malaysia.
|Mohamad Zulfarhan Ahmad Supiee|
Imperial College London, BSc (Hons) Medical Biosciences
A Johorean who is passionate about laboratory research and the field of public health. He is the Vice President of Imperial College Malaysian Society and the Producer of Malaysian Night and is working to help foster bonds among Malaysian students.
UCL, BEng (Hons) Electronics Engineering
Cambridge Judge Business School, Business & Leadership Programs
Harvard Business School, Business & Leadership Programs
Group CEO, Telekom Malaysia Berhad (TM)
Imri Mokhtar: What is a great customer experience for you? What is the best customer experience you have had so far?
|Rakcana Kardnanithi: Grab – Accessible and efficient.|
Asyraf Naim: Revolut – Global personalised banking with great customer care.
Eeman Mansor: BigPay – An integrated view of finances in one picture, at a low currency exchange.
Sarah Shevaun: Etiqa.com – Quick and easy car insurance renewal.
William Kiong: Airasia.com – Travel made easy with end-to-end digital service in one app.
Mohamad Zulfarhan Ahmad Supiee: Foxtons (a UK based real estate agency) – Efficient and seamless digital contracts.
“Current best customer experience should be the minimum expectation bar for future citizen services” – Imri Mokhtar
Imri Mokhtar: What are the areas for improvement in public services today?
|Asyraf Naim: A more concise and responsive contact centre.|
Mohamad Zulfarhan Ahmad Supiee: Adoption of Cloud to enable real-time digital amendments, instead of redoing forms over the counter.
Eeman Mansor: A uniformed user interface or user experience across different state government agencies websites to make it easy for data entry.
Rakcana Kardnanithi: A unified public service. Most public agencies operate in silos which require us to fill in the same information repeatedly. Data transparency between different government agencies should be the way forward, as well as interacting with each other via Application Programmable Interfaces (APIs).
Sarah Shevaun: A world class digital foundation that will cater to the digital native citizen.
William Kiong: A centralised customer service. We had Urban Transformation Centre (UTC) that centralised most public services at the same place, physically. It is time for our public services to go digital with a single sign-on app.
“The way we provide services must change, we need to start from the customer lens and in this instance the rakyat” – Imri Mokhtar
Imri Mokhtar: What would a digitalised Malaysia look like to you?
|Sarah Shevaun: For me, a digital Malaysia would be an upgraded port, because that is where our money and economy comes from. Visualise a ghost port, unmanned port where all things digital that utilise massive-scale Internet of Things (IoT) automation and next generation vessel traffic management. Not only will it be more efficient, it will also reduce a lot of government operating expenditure as well.|
|Rakcana Kardnanithi: Accessible and efficient citizen’s journey. The future is going to be a hundred per cent co-creation and we should leverage this to create beautiful future citizen services.|
|William Kiong: Digital Malaysia uses information and data. It is the currency of the future. Data transparency across different government departments and agencies. Single sign-on across all government websites.|
|Mohamad Zulfarhan Ahmad Supiee: I think we need our own Ministry of Health App, where patients no longer need to carry multiple medical record books. Digitalise patient medical records, prescription history, information about their illness and emergency contacts.|
|Eeman Mansor: I would like to see Digital Malaysia in the sense that it encompasses easy accessibility to education. Using augmented reality, virtual reality, proper digital tools to improve education and provide subsidies to underprivileged students to access technology.|
|Asyraf Naim: Future Digital Malaysia for me is a convenience issue. Government yearly services should be auto deducted and adoption of AI to proactively help citizens manage their passport, driving license, taxes, etc.|
“We need a digital coalition starting from the rakyat, the government and its technology provider to co-create the design process for citizen services. Listening to all the bright ideas from the youth made me feel like a proud father. I can’t wait to see how these youth will lead and transform our country’s future. Let’s together build our digital Malaysia! Happy Merdeka Day” – Imri Mokhtar.
August 30, 2021
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Digital transformation, a means of ensuring business resiliency, has driven recent global technology spending to new highs. From being a mere buzzword, it has become the top priority for technology initiatives and Chief Information Officers (CIOs) across various industries. Global Information Technology (IT) research house Gartner forecasts that worldwide technology spending will grow by 9% in 2021 to reach an astonishing USD 4.2 trillion. This phenomenon reflects a tactical switch from defence to offence, as CIOs of the world’s biggest tech companies recover from the pandemic and look to extend their technological edge over the competition.
As global lockdowns cripple a plethora of industries, CIOs and Chief Technology Officers (CTOs) are more pressured than ever to hit the mark on their strategic investments. We at TM ONE are fully aware of the exacerbated need for enterprises to increase their digital capabilities and are well prepared to play our role as a digital technology partner. We believe there are four (4) key pillars to guide companies in ensuring a sound IT investment strategy:
1) Benchmark IT spend with industry standards and leaders
Regardless of which industry you operate in, market competition in today’s digital battleground strips away any luxury of taking technology investments lightly. This further magnifies the need for an incisive tech vision, one that has the backing of necessary dollars to turn it into a reality. With that in mind, Flexera’s 2020 State of Tech Spend Report states that companies from different industries, on average, spend 8.2% of their revenue on IT.
It is common to see technology spending hover around 17% of total operating costs in the banking and financial services industry (BFSI). According to Broadridge’s Next-Gen Technology Adoption Survey, this might well reach 20% by 2023. JP Morgan, for instance, is one of the top spenders, with 15% of its 2020 operating costs devoted to IT spending, which amounts to about USD 11 billion . Other large BSFI institutions such as the Bank of America (18%), Goldman Sachs (16%), and Citi (20%) reported higher proportions of operating costs spent on IT. However, this reflects an overall lower absolute value.
As the pandemic continues to immobilise healthcare institutions around the world, technology is desperately needed to reinforce vital lines of defence. Currently, the global healthcare industry on average spends 4% – 8% of revenues on technology, mostly on maintaining existing infrastructure. Industry leaders are starting to shift IT spend towards introducing new business models with digital health solutions and boosting hospital operations through big data analytics and cloudification.
With the retail and e-commerce space transforming into the forefront of new digital innovations such as Artificial Intelligence (AI) and Augmented Reality / Virtual Reality (AR/VR), technology spending becomes a key differentiator. Amazon, now known as a tech firm rather than a retailer, spent USD 43 billion or 12% of total operating costs on IT-related expenditure in 2020. With global customers demanding enhanced user experience and on-demand customisation, there are expectations for average technology spends as the portion of revenue to grow from 6.2% to 8% , especially as the competition for e-commerce leadership amplifies.
2) Maintain optimal allocation between growth spend and maintenance spend
Today, the technology stack in companies increasingly provide vital sources of economic moats. CIOs desperately need to rethink their IT spending strategy and effectively prioritise between value creation and value preservation. For many companies, huge chunks of IT budgets go towards maintaining their current business operations, which are becoming intricate due to the intertwining of new technologies. These budgets leave little to no room for innovation investments that allow CIOs to contribute directly to top-line growth, such as introducing futuristic enterprise applications or enabling analytics-driven decision making.
By and large, CIOs report less than 15% of their technology budget have an allocation for fostering innovation. We recommend successful companies set aside at least 20 – 25% of IT spend to reimagine value creation and discover new ways to disrupt the status quo in various industries creatively.
As part of our core principle, we believe that only by employing a growth spending mindset can the returns on these digital investments be seen.
3) Measure effectiveness of technology spending
Besides having to deal with strategically allocating adequate capital towards IT investments, CIOs often face one critical question – what are they getting out of the money they invest and spend? And the truth is this; most can’t give a straight answer to such a seemingly important question.
As companies compete against time to launch more and more digital initiatives, CIOs need to establish clear-cut performance metrics that can evaluate and measure digital progress effectively. With the old saying of ‘you can’t manage what you can’t measure’, tech spend on different areas need to be attributed to tangible returns. This could range from lowering sale costs/the cost of sales, new customer acquisition, revenue streams, improved customer experience, and other value adds.
We believe that using practical and measurable indicators will help narrow down your IT spending on areas of value creation, be it internally or outside the organisation.
4) Balance insourcing and outsourcing of IT needs
Whether you are a Small and Medium Enterprise (SME) or a fast-growing tech company, technology dependence changes dramatically over time. CIOs who want to optimise technology spending must consider the many implications of insourcing and outsourcing their IT needs.
Rather than establishing a fixed spending ratio between buying and building, companies should evaluate the qualitative criteria of technology spend decisions, such as its contribution to overall company growth. Short term cost savings might be attractive in outsourcing, but one must carefully consider the opportunity lost in forgoing long-term digital capabilities. Other key markers to help keep a competitive technology spend are the availability of in-house talents, existing core competencies, security, and technology ownership.
As costly-to-build technological capabilities can sometimes separate winners from losers in today’s digital warzone, taking a hybrid approach could perhaps be the best solution to sustain digital transformation efforts without dissipating technology budgets.
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