Driving agility through systems of differentiation


Data-driven application development, an area that until recently was limited to only IT teams, is increasingly falling under the radar of business leaders. One reason for this is the need to align technology with the business to enable differentiation and innovation.

So, when developing modern applications, Gartner encourages organizations to consider three different system layers as per its Pace Layered Application Strategy. These are:

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Why being #DataFirst makes for a great return on investment(RoI)?


At CAPIOT we have been advocating leveraging the #DataFirst approach for sometime now. We often get questioned by stakeholders on how being data-first helps deliver better RoI for digital initiatives across the enterprise.  

In this post, we focus on how decision-makers can calculate the return on investment (RoI) of data-first approaches. We examine two different scenarios and demonstrate the cost savings generated from data service platforms, owing to the advantages of reusability and easy maintenance.

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Data-first: A CFO’s ally


As technology pervades every business function, it brings with it a fusion of roles among C-suite leadership. IT, which was once the exclusive domain of CTOs, now attracts a CFO’s interest. 

Cognizant of how important data is for their daily activities – from financial reporting, planning, and forecasting to strategic business problem-solving – CFOs are raring to invest in new technologies that will deliver real-time insights so they can make better decisions, faster. The 2019 CFO Survey Report by Grant Thornton predicts that, “[CFOs] will focus on pragmatic and targeted technology implementations that can be measured and monitored for results and value.” However, with a slew of new products on the market, how do they know what to choose and invest in? And, how do they articulate the long-term value of these IT investments?

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API Partner Integration: Top 5 Considerations for Effective Connectivity

API Partner Integration

Achieving true API partner integration occurs when all of the external stakeholders upon which your business operations rely are connected, and able to leverage your API consistently. Enterprises grapple with more new-age partner requirements than ever before, and the speed and the scale at which the information needs to be shared is rising at the same time. Seamless communication among multiple partners is vital, but there are five important considerations helping to ensure your API is effectively integrated.


Are your API partners able to consume your APIs easily? 

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API Integration: 3 ways to take your company to the next level

API Integration

Achieving seamless API integration is no longer a luxury. In a world increasingly reliant on cloud-based operations, mobile applications, and disparate software systems, an integrated application program interface (API) solution is an absolute requirement to increase efficiency and generate growth. But what is an API, and how exactly will it help your business reach its full potential?


APIs, explained

An application program interface, or API, is a digital solution creating clearly defined methods of communication among various software components. With effective API integration, your business can join multiple applications, platforms, or other systems together in a seamless process to create automated functions that save time, improve staff and customers’ experience, and generate increased growth. 

For example, at CAPIOT we recently engaged with a large utility provider in the US that needed to provide real-time customer service updates from its advanced metering interface. By implementing an elegant API integration, the utility provider was able to connect the system it uses to measure customers’ utility usage with a new system for customer service notifications. Instead of forcing staff to switch from application to application manually, API integration provides a simple interface with programmed operations that keep things simple and effective.


Which API integration is right for me?

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CKYC(Central KYC): Here’s Everything You Need to Know


At CAPIOT, we have been helping our clients – banks, SFBs, NBFCs – to comply with CKYC guidelines. In our conversations with people from operations, compliance and technology team, we came across several questions which we have answered and compiled in this blog post. This will be helpful for all those who are responsible for CKYC related compliance in their organizations. (You may want to skip to the last few questions if you already have some knowledge of CKYC but want to know how to automate it.)

What is CKYC?

CKYC which stands for Central Know Your Customer is an initiative by the Government of India under which a registered customer is given a unique CKYC identifier that is valid and used across the BFSI segment – banking, insurance, mutual funds, provident funds, stockbroking, and other services. This is very convenient as the customer doesn’t have to register himself separately with every other service provider he interacts with. Read More

Legacy Modernization – Are you asking the right questions?

legacy modernization

At CAPIOT, for over five years now we have been helping customers move forward by modernizing their ability to share data seamlessly across the organization. Increasingly, we come across enterprises desiring to transition from on-premise monolithic applications to highly dynamic microservices-based cloud native applications.

The first step for us in those conversations is to ensure that the right questions are being asked. Not just technical but also the people and process questions. In this post, I have touched upon what we see are key questions and approaches that organizations should ask  (or need to ask) to navigate this tricky terrain of legacy modernization. 

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Is your procurement process lacking intelligent analytics?

procurement spend analytics

Procurement management in short is an efficient way to manage spend, using efficient optimization of suppliers, vendors and getting a visibility into spend across many dimensions with the aim to gain maximum savings. Some companies employ the use of a procurement management software to handle their processes, while others still prefer to manage their spend manually. However, in both the methods, what is found lacking is intelligent analytics.  Read More

Partner Management Automation – What does it mean for banks

Partner Management Automation

Customer experience today is everything. Today’s consumers not only desire lesser wait time but also full attention, personalized service and automation. As it is for an individual consumer, the same is applicable to corporate customers as well. However, we are seeing banks still working in their traditional one-size-fits-all platform that use retail banking technology even for their partners with little to no bespoke changes. Today’s digital natives and startups are already bringing to life the idea of tomorrow and while all the other processes of business is seeing some or the other form of innovation and disruption, banking is still lagging behind due to hesitant adoption of innovation. To cope up with the changing dynamics of the new-age business, there is demand for smarter banking solutions that can be integrated in these businesses without much hassle and provide a much needed transparency.  Read More

Automating Escrow Management with CAPIOT’s XCRO platform

Escrow Management Software

Escrow, in short is an arrangement where a neutral third party is responsible for safekeeping the escrow assets such as funds, securities, IP, documents etc. to be released only when certain conditions are fulfilled by the parties entering into contract. Escrows can range from few days to few years depending on the nature of the deal. Banks are one of the primary escrow service providers globally and since they have presence in different geographies, they are preferred over other organizations to be the escrow agents. Read More