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30 Fastest Growing Companies in Asia 2019

How do most successful companies deal with their businesses? How do companies grow step by step? One of the many ways to maintaining a successful business is a steady customer base, ability to resist market uncertainties, and the right people to innovate and grow the business. A successful company typically sees reasonable amount of profit from its loyal customers. Adding the fact that the cost of attracting new customers is significantly more than that of maintaining a relationship with existing ones, and you have a powerful incentive to keep that core group of customers happy. Yet too many businesses neglect this loyal customer base in search of new customers. But on the other side, successfully tapping a whole new customer base is as important as taking care of your loyal customers, and business leaders should learn the art of balancing the both. <br><br>If your business goal is to live long and prosper, maintain your loyal customers and successfully tap new ones, then any efforts toward building reliable services, constant innovation, extensive market research, and service customization at large will certainly pay off. And how to do it you ask? Here we present you the 30 exceptional and fastest growing Asian brands which are helping companies to stand still in fierce competition. The Silicon Review u201830 Fastest Growing Companies in Asia 2019u2019 recognizes organizations that are dedicated to sustaining high-trust cultures among their customers. These companies are distinguished by their extraordinary levels of trust, pride, and technology know-how. Putting their customers first is a key priority for these companies.<br>

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30 Fastest Growing Companies in Asia 2019

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  1. Asia Special December 2019 Leadership Technology CEOs News Business Features CIOs 30 30 SR 2019 Fastest Growing Companies in Asia Ronen Sasson Co-founder & CEO Providing people with a more secure and safe device CommuniTake Technologies 1 DECEMBER 2019 www.thesiliconreview.net

  2. YOUR FUTURE. OUR EXPERTS. Calvin Group SERVICES www.calvingroups.com Brad Pitt has an agent. Kobe Bryant has an agent. Now you do too. Find We work hard to bring you only the most relevant opportunities using our patented “Calvin Method.” Prepare Get the expert advice and insider knowledge to nail every interview. We're changing the landscape of recruiting one day at a time. Sign We negotiate everything from pay to your personal parking spot. 2 DECEMBER 2019

  3. YOUR FUTURE. OUR EXPERTS. Calvin Group SERVICES www.calvingroups.com Brad Pitt has an agent. Kobe Bryant has an agent. Now you do too. Find We work hard to bring you only the most relevant opportunities using our patented “Calvin Method.” Prepare Get the expert advice and insider knowledge to nail every interview. We're changing the landscape of recruiting one day at a time. Sign We negotiate everything from pay to your personal parking spot. 3 DECEMBER 2019

  4. All materials printed in this magazine are the sole property of Silicon Review LLC. All printed matter contained in the magazine is based on the information provided by the writers/authors. The views, ideas, comments and opinions expressed are solely of the writers/authors or those featured in the articles and the Editor and Printer & Publisher do not necessarily subscribe to the same. In relation to any advertisements appearing in this magazine, readers are recommended to make appropriate enquiries before entering in to any commitments. Silicon Review LLC. does not vouch for any claims made by the advertisers of products and services. The Printer, Publisher and Editor-in-chief of the magazine shall not be held for any consequences in the event of such claims not being honored by the advertisers. Special edition, Not for sale. ©Copyright Silicon Review LLC. All rights reserved reproduction in any manner is prohibited. Silicon Review LLC. Does not accept responsibility for returning unsolicited manuscript and photographs. GET IN TOUCH MAGAZINE SUBSCRIPTIONS The Silicon Review To Subscribe with The Silicon Review and get 10% off on the Cover price Visit: www.thesiliconreview.com or Email us: subscription@thesiliconreview.com Corporate Office: Silicon Review LLC, #3240 East State Street Ext Hamilton, NJ 08619 Sales: 510.400.4523 Development Office: Siliconreview Technology India Pvt. Ltd #32, 2nd floor, CMH Road, Indiranagar, 2nd Stage, Bangalore - 560038 PH: +91-7760351041 Printed & Published by Manish Pandey on behalf of Silicon Review LLC at Printo Document Services, #3240 East State Street, Ext Hamilton, NJ 08619 (CIN:-U72200KA2014PTC075778) (RNI REG. NO. KARENG/2017/75691) 4 DECEMBER 2019

  5. EDITOR’S NOTE ..... No substitutes! H typically sees reasonable amount of profit from its loyal customers. Adding the fact that the cost of attracting new customers is significantly more than that of maintaining a relationship with existing ones, and you have a powerful incentive to keep that core group of customers happy. Yet too many businesses neglect this loyal customer base in search of new customers. But on the other side, successfully tapping a whole new customer base is as important as taking care of your loyal customers, and business leaders should learn the art of balancing the both. ow do most successful companies deal with their businesses? How do companies grow step by step? One of the many ways to maintaining a successful business is a steady customer base, ability to resist market uncertainties, and the right people to innovate and grow the business. A successful company If your business goal is to live long and prosper, maintain your loyal customers and successfully tap new ones, then any efforts toward building reliable services, constant innovation, extensive market research, and service customization at large will certainly pay off. And how to do it you ask? Here we present you the 30 exceptional and fastest growing Asian brands which are helping companies to stand still in fierce competition. The Silicon Review ‘30 Fastest Growing Companies in Asia 2019’ recognizes organizations that are dedicated to sustaining high-trust cultures among their customers. These companies are distinguished by their extraordinary levels of trust, pride, and technology know-how. Putting their customers first is a key priority for these companies. Success recognized to the fullest! Best VISHNU VARDHAN KULKARNI, Managing Editor, The Silicon Review editor@thesiliconreview.com 5 DECEMBER 2019

  6. CONTENTS ASIA SPECIAL DECEMBER 2019 A top-notch provider for procuring precious metals: TANAKA Precious Metals Isao HIRANO, Director & Senior Corporate Officer 08 Crossing New Geographies: Epic Designers Limited, a Vertically Integrated Garment Manufacturing Multinational Conglomerate, Plans to Further Expand into International Territories Ranjan Mahtani, Founder & Chairman 10 12 KORDIA SOLUTIONS– The critical network infrastructure specialists Hamish Guild, CEO WMK Architecture: Pioneers of innovative design Greg Barnett, MD 14 Mixpanel: Grow our business by learning why users convert, engage, and retain Amir Movafaghi, CEO 16 BuildingIQ: Building Energy and Operating Intelligence Michael Nark, CEO & Executive Director 18 Providing people with a more secure and safe device: CommuniTake Technologies Ronen Sasson, Co-founder & CEO 20 Ant Financial – Bringing small and beautiful changes in the field of finance Eric Jing, Chairman & CEO 24 TESSA THERAPEUTICS: Cure Cancer and Save Lives with Innovative and Widely Accessible Immunotherapies Andrew Khoo, CEO & Co-founder 26 In First Confab, Votary Softech Solutions Founder and CEO, Sanjay Kamtam Says Rooted-Determination for Quality from Day one Helps Company not Just with Minimising Post Development Glitches, but also Standout among its Competitors Sanjay Kamtam, Founder & CEO 28 Streamline your retail operations with a highly scalable, deep image analytics platform: Graymatics Abhijit Shanbhag, President & CEO 32 Elevating Companies through Cloud-Infrastructure: Dolomite Finance Limited Kris Ho, VP 34 Nearex – Making digital payments affordable and accessible Mayank Sharma, CEO 36 “VIGILANTE HACKING: LUCIDEUS TECH” Saket Modi, CEO 38 Sunseap: powering your home and business with solar energy Frank Phuan, CEO & Executive Director 40 InfoTrie– Leveraging Big Data technologies to next level Frederic Georjon, CEO 42

  7. Moneythor– Making digital financial services more relevant to get great financial insights Olivier Berthier, Co-founder & CEO 44 INFI revolutionizes human-machine interaction by translating individual personalities into code Yoram Kraus, Founder & CEO 46 A Company Focused On Enabling Financial Inclusion in Agriculture In An Era of Climate Change: SatSure Prateep Basu, Co-founder & CEO 48 World Leader In Computer Vision Solutions For Retail: TRAX Joel Bar-El, Co-founder & CEO 50 CKP Hospitality Consultants: Firing up the oven since ‘85 Alburn S. William, CEO 52 Derek Haoyang Li, Squirrel AI Learning Intelligent Adaptive Education by Yixue Group Founder: ‘We Created an AI-Powered Virtual Tutor Engine, which Diagnoses and Remediates Each Individual Student’s Knowledge Gaps in Real-Time While a Student is Learning and Practicing’ 54 Derek Haoyang Li, Founder ADVANCE. AI: ADVANCE WITH INTELLIGENCE FOR A BETTER LIFE Jefferson Chen, CEO 56 HAKOVO– Simplifying cross-border trade through the digital platform Takayuki Akahodani, Founder & CEO 58 Payswiff Solutions: SHAPING GLOBAL PAYMENTS, ONE TRANSACTION AT A TIME Prabhu Ram, MD & Group CEO 60 CtrlShift – Where Digital Advertising Becomes Streamlined, Intelligent and Transparent Dominic Powers, CEO 62 TenX: Cryptocurrency Usability Brought to a Whole New Level Toby Hoenisch, Co-founder & CEO 64 AirTrunk– A place where databuilds tomorrow Robin Khuda, Founder & CEO 66 68 70 Moovaz: Moving beyond Moving Mr. Junxian, Co-founder & CEO Pand.ai – Creating the best chatbots in Southeast Asia Chuang Shin Wee, Co-founder & CEO Ronen Sasson, Co-founder & CEO CommuniTake Technologies COVER STORYPgno. 20

  8. A top-notch provider for procuring precious metals TANAKA Precious Metals T switching to or partly using next- generation energy sources that do not rely on fossil fuels is becoming an urgent priority. Hydrogen production technology, which allows the use of renewable energy, has garnered attention as well. In Japan, the government has indicated its support for achieving a hydrogen- based society, and related research is said to be making progress around the world. TANAKA Precious Metals has been developing electrode catalysts for fuel cells for years, and it boasts some of the highest shipment quantities in the world for electrode catalysts used in Polymer Electrolyte Fuel Cells (PEFCs). PEFCs, which are small, lightweight, and offer high output, are used in fuel-cell vehicles, domestic fuel cells, and so on, and demand is expected to increase. he movement to protect the environment has gained traction worldwide and platinum filaments used in light bulbs. Afterwards, we produced micro Profiles for communications device contacts, and other products composed primarily of precious metal materials. We have since succeeded in productization of gold ultrafine wires for bonding, sensors for automobiles, catalysts for exhaust gas purification, catalysts for fuel cells, crucibles for manufacturing sapphire substrates for LEDs, and more, and we have made progress in developing and turning precious metalmaterials into products. alloy” from TANAKA and Metalor. We will give form to the TANAKA brand through a skillful combination of steady business development and active global expansion, with an eye toward the company we will become in the next 300 years. Fostering a culture of feedback is crucial to the success of every organization. How is this true with your company? TANAKA Precious Metals conducts business activities that take CSR into consideration, which includes human rights, the environment, safety, hygiene, and ethics. We have established the “TANAKA Precious Metals Conduct Charter,” which conforms to the content of the “RBA (formerly EICC)” to meet the demands of our global customers as well as societal expectations. In fiscal 2018, we had several of our domestic plants and overseas plants be audited by RBA-certified What are the services that you offer? Our services include procurement of precious metals, purification, development, manufacture, sale, export of precious metals industrial products. We also handle precious- metal assets, products and jewelry in Japan only. In conversation with Isao HIRANO Director & Senior Corporate Officer of TANAKA Precious Metals What do you feel are the reasons behind your company’s growth? Throughout our long history dealing in the materials known as precious metals, the core of TANAKA Precious Metals has been trust and reliability. Through our technology, products, services, and employees, we have met our customers’ needs in an effort to serve as a representative of high-quality Japanese brands. In addition, we welcomed Metalor Technologies International SA, which is engaged in the global refining business, as a group company in 2016, and we have reaffirmed our relationship with our group companies to create a “new “The future is precious. We will continue to pursue the potentials of precious metals and brighten the future” Can you tell your company’s history in brief? TANAKA Precious Metals was founded in 1885 in Tokyo as a money-exchange business that deals in precious metals. Ever since, we have supported society’s development by providing industrial products made from precious metals. In 1907, we succeeded in industrializing the 8 DECEMBER 2019

  9. third-party organizations, and we also underwent customer audits and have implemented corrective measures. Also, in addition to asking our business partners to abide by the “RBA Code of Conduct,” we continuously conduct compliance surveys and provide feedback. We obtained a “Silver” certification from EcoVadis, a supply chain CSR evaluation organization, in its assessment of our initiatives with regards to the environment, society, ethics, and our supply chain. As we are a producer of materials, we would like to begin planning from the initial stages of development. At TANAKA Kikinzoku International (America), we will establish a marketing role in addition to its function as a business location, and we will propose effective uses for precious metals for new markets, including industry- academia and venture corporations, starting from the new product idea stage. We are also working on the development of “precious metal precursors for CVD/ ALD” for use in platinum, iridium, and other thin film formations to meet the market demand. SR What will you do for market expansion? How do you position the US in that? We believe that the demand for highly reliable precious metal materials will continue to rise due to increasing efforts to prevent worst-case scenarios, such as the highly accurate LIDAR technology, considered a core technology for automated cars, and the highly integrated state-of-the- art semiconductors found in IoT devices. Even against this backdrop, the United States is the most important market. It has many global manufacturers of consumer products and many bases for the development of cutting-edge technology. Going forward, we will focus on the United States as an industry-leading market on a global scale for its aeronautical and space development market, where reliability is emphasized and funds are plentiful; its automobile industry, which is on the cusp of a major technological turning point; and its medical field, where demand is anticipated for precious metal materials for use in devices and surgical tools. Isao HIRANO Director & Senior Corporate Officer Isao HIRANO, Director & Senior Corporate Officer (Global Marketing / R&D Division) of TANAKA Precious Metals Isao Hirano first began working for the company in the Sales Department. In 2001, he became manager of the Seoul branch after which, in 2006, he became head of the Western Japan Headquarters. Later, he was appointed managing director for distributors while he simultaneously was sales director for the entire Asian region including the ASEAN region as head of the Asian Sales Headquarters. Following positions overseeing operations in the U.S. and Europe, in 2011 he established the R&D-Marketing Division directly under the leadership of the former president. He also held the positions of Head Office managing director and division chief. From 2012 he has been head of the Development Division, overseeing unified management of both the Marketing and Technology Divisions. Under the slogan “Mastering Precious Metals,” we will actively work to tackle environmental issues, energy policy, and environmental pollution policy through research and development focused on precious metals as well as business activities that provide a stable supply thereof. 9 DECEMBER 2019

  10. Crossing New Geographies: Epic Designers Limited, a Vertically Integrated Garment Manufacturing Multinational Conglomerate, Plans to Further Expand into International Territories “The tremendous growth of Epic Group over the past few decades can be attributed to three broad pillars: commitment to sustainability, improvements in manufacturing and solid personal connections with all stakeholders.” T by companies’ accountability and initiatives around sustainability. Whether it is because they follow #gogreen, #meaningfulchange, #tcktcktck on social media or because of the growing understanding that climate change is a real threat to humans in the near future. This has manifested itself in the fashion industry with a new trend towards ‘slow fashion’. How successful was your first project? Share the experience. In 1984, Epic Group, through one of its subsidiaries, became one of the first international garment manufacturers to establish a presence in Bangladesh. Starting with a small team procuring silk garments on behalf of US-based customers, it became the largest buying office in Bangladesh with revenues of US$100 million in the early 1990s. What challenges did you face in your initial years? What can your peers learn from it? During the initial years, one of the biggest challenges would be to zero-in on the location of setting up new manufacturing facilities. Apart from the in-depth knowledge of each region’s assets, including quality, availability and cost of labor, infrastructure, and manufacturing standards, there also needed a fair bit of foresight to strategically analyze where the industry is headed. oday’s consumers, especially millennials, are increasingly concerned and influenced more than 25,000 employees who produce nearly 90 million garments annually. Ranjan Mahtani, Epic Designers Limited Founder and Chairman, spoke exclusively to The Silicon Review. Below is an excerpt. Now more than ever, consumers are curious about where their clothes were made and under what conditions. The slow fashion movement promises to be the opposite of the fast fashion trend (inexpensive clothing produced rapidly by mass-market retailers in response to the latest trends) by delivering sustainably procured and produced clothing to mindful consumers. Instead of the never- ending sale offerings due to rapidly changing trends. Slow fashion items are designed to be sustainable, functional, durable and stylish. My advice to peers would be to remember each region has its certain type of expertise. However, as factors change, so does the industry. A thorough understanding is needed for initial & continuing success. “Earning trust and respect of consumers all around the world is through consistent focus on delivering high quality in all of our actions.” How do you interpret this statement? This statement truly reflects the sentiments of all individuals who represent Epic. It is the recognition of Epic’s unique combination in manufacturing excellence, including state-of-the-art physical infrastructure, process-oriented work culture helmed by a highly experienced management team, continuous focus on productivity improvements and innovation, and a highly engaged and motivated workforce. This unique combination of factors has been the key to EPIC’s growth to date, resulting in our drive What kind of responses have you received from your consumers over the years? How have they motivated you to shape your offerings/grow the company? Our customers play a critical role throughout our value chain. We strive to listen to our customers and create solutions that add value to them – this also helps us evolve. Over the years, we have constantly been acknowledged as industry leaders, especially in terms of product development, the use of leading technology, first-rated attention to quality, and a culture of continuous improvement. In light of this, we’re thrilled to present Epic Designers Limited. The company designs, manufactures and distributes a wide range of apparel for men, ladies, and kids. Epic mainly serves customers in the United States, Europe & North Asia. Headquartered in Hong Kong, Epic Group started its operations in 1971. Today, the company operates 16 world-class manufacturing facilities globally, overseeing the welfare of 10 DECEMBER 2019

  11. of exceptional operating metrics and making us one of the fastest-growing garment manufacturers in Asia. be attributed to three broad pillars: Commitment to sustainability, constant improvements in manufacturing through process re-engineering and automation, and building solid personal connections with all stakeholders encouraging a healthy professional culture among everyone working within the group. Fostering a culture of feedback is crucial to the success of every organization. How is this true with your company? Epic has always strived for a work culture that places open and direct communication at its very center. Realizing the need for periodic feedback, Epic encourages an “open door” policy with 360 degree of feedback across all levels and are working together to set up more avenues to encourage feedback and discussions. Do you have any new products ready to be launched? Employing the use of cutting-edge solutions, our design offices are strategically located in New York, London, and Hong Kong. These design offices work together with leading apparel brands, combining many years of industry experience to look through the latest fashion trends and come up with new designs for our customers striving to always stay ahead of the market. How do you manage to resist/ serve the needs of a highly volatile market? Constant Innovation, more specifically product development, is a key differentiator that helps us stand out from our competition. Understanding the customer is key. We truly believe that product development is the core of a successful industry, and the capability of doing so stems from very effective market surveillance. While technology enhances our capability of providing the most customer-demanded products in an ever- efficient way, it is a matter of integration and utilization of the technology empowerment to understand the market and engagement of our customers beyond their expectations. As a question on sustainability, where do you see your company a couple of years from now? Sustainability is at the heart of what we do, from the head office to the manufacturing plants. We take great pride in our role to support industries, governments, and citizens around the world to achieve the greatest advancements economically, socially, and environmentally. Being in the business of manufacturing apparel, we quickly discovered that we could improve and touch lives across our versatile demographics. Our mission and values guide us in our purpose to focus on what is important and to progress in economic growth, social inclusion, environmental protection, physical and digital safety, and living conditions. To this end, we choose business partners who match our level of commitment and drive towards building a better world. Epic Group is a proud and active member of the Better Cotton Initiative (BCI), which is the world’s largest non-profit organization working to secure a more sustainable future for the cotton sector. Through innovative technological developments for sustainable washing and zero-discharge finishing, we continually strive to develop new technologies in the field of garment manufacturing that will effectively help us reduce our environmental footprint while delivering next-generation solutions for the future. Ranjan Mahtani Founder & Chairman Ranjan Mahtani A Charismatic Entrepreneur Ranjan Mahtani is an industry veteran with over 35 years of experience. He worked with several big players in the apparel industry as an intern before starting Epic operations out of Bangladesh. What do you think is the biggest asset for your organization, and why? At EPIC, we firmly believe that the biggest asset for the organization is our people. We take immense pride in the core EPIC values that are engrained within each individual working across different function lines and believe that we can always add value to our customers through consistently exceeding expectations and by asking the right questions to provide an end-to-end supply chain experience. Mr. Mahtani earned a degree in Economics. “We continually strive to develop new technologies in the field of garment manufacturing that will effectively help us reduce our environmental footprint while delivering next-generation solutions for the future.” What do you feel are the reasons behind your company’s growth? The tremendous growth that Epic has seen over the past few decades can SR

  12. KORDIA SOLUTIONS– The critical network infrastructure specialists “Kordia has the ‘know-how’, capability, systems, technologies and people to handle a wide range of project requirements – across many sectors.” A infrastructure environment that involves the timely patching of vulnerable systems with a minimum of downtime and collateral damage. Most current patching solutions for operating systems, applications, network functions, and other software systems rely on highly imperfect processes to identify an inventory of target systems accurately. significant security challenge in the modern data center is a service provider Innovative design, advanced performance tools, and the latest technologies are the main tools of the firm. These are what Kordia uses to evaluate and analyze your telecommunications network needs to find the right solution for your business. Reducing the total cost of ownership, the company builds the whole telecommunications network around a cutting-edge fault and task management platform. This means the whole network gets full attention. No job is too large or too small, too remote or too obscure. Kordia has coverage right across Australasia and is on call 24/7 to respond to network faults. suppliers. Kordia’s disciplines and specialties include civil and structural: • • Tower Radiofrequency (wireless systems and spectrum usage) Fiber and optical Copper Electrical and power. • • • The firm understands the operational challenges faced by our customers, where network uptime is critical and budgets are often locked in. As a vendor-independent partner the company’s focus in on delivering the best technology solution to fit your project’s quality, time and budget challenges, without prejudice. The engineers and consultants are skilled in writing telecommunications design specifications, developing high- level designs, detailed designs, and providing project governance, implementation, and integration services. One such firm which is specialized in critical network infrastructure is Kordia Solutions. It is an end to end telecommunications, communications, broadcast, and infrastructure service provider. Kordia’s engineers, technicians, riggers, and project specialists have the experience and skills required to design, deploy and maintain critical networks and infrastructure. Kordia Solutions is an Australasian company with more than 600 staff. The experts work on both sides of the Tasman, are highly skilled in the design, deployment, maintenance, and operation of telecommunications networks and solutions. Ultimate products and services furnished by Kordia Network Design & Engineering Kordia is recognized as a leader in engineering design by the telecommunications services and contracting industry. Their talented in-house design and engineering teams draw from experience gained from international equipment Radio Frequency Systems Kordia’s software tools are regularly updated with new technology releases and base planning data to ensure the accuracy and integrity “We are industry and externally accredited to the highest levels.” 12 DECEMBER 2019

  13. of designs. Kordia also owns its own propagation measurement systems for most of the significant wireless bands – one can ensure the best possible prediction accuracy for all wireless designs, and help minimize potential prediction errors. and stakeholders. Successful site acquisition and effective designs are key to project success and total costs of ownership, which is why they offer complete management of Greenfield, co-location and upgrades across macro, small cells and in-building solutions. Kordia’s national SAED team comprises highly experienced property, town planning and engineering design staff – all of which are able to provide either stand-alone specific SAED services or fully integrate the SAED function into wider projects and programs to offer complete end-to-end solutions for both wireless and fixed network deployments. design certifier to the Australasian mobile carrier industry. Their network lifecycle approach helps its customers to: • Reduce the complexity of planning, deployment, and maintenance processes • Introduce production management methodologies for high volume tasks • Ensure the quality of new equipment deployments • Integrate newly-acquired assets into networks • Decommission and remove equipment for redeployment or obsolescence The company helps its clients with: • RF and capacity planning whilst working within existing network topology and infrastructure constraints • Network optimization based on network performance statistical analysis and drive test analysis • Parameter and configuration audit and Modeling • Network feature testing and implementation. • Design expertise 5G Technology While the specifications of the fifth generation of mobile networks are still to be finalized, 5G is the next big evolution in mobile technology. The introduction of 5G means that radical network re-engineering is required from all three of Australia’s mobile networks. Kordia is a civil design contractor and approved structural The firm has been recognized as a leader in engineering design in the telecommunications services and contracting industry. Their experienced and skilled team of consultants, engineers, technicians, and project managers understand the demands in deploying complex mobile solutions to meet the ubiquitous coverage and capacity goals. Saed - Site Acquisition, Environment & Design At Kordia, the firm understands the site acquisition phase often holds the least certainty, yet influences all dependent activities SR The formidable leader behind the success of KORDIA SOLUTIONS Hamish Guild serves as the CEO of KORDIA SOLUTIONS. He has extensive experience running large scale national projects, service, and engineering organizations. A passionate leader, he loves driving people development, great customer service and shareholder value. Hamish Guild, CEO 13 DECEMBER 2019

  14. WMK Architecture: Pioneers of innovative design A It has been described as a social art and also an artful science. Architecture must be of the highest quality of design. Architecture provides, in the words of Marcus Vitruvius, the great Roman architect and historian, “firmness, commodity and delight.” Architecture provides a sense of place and support of all types of human activity. Architecture helps the man-made fit in harmony with the environment while promoting health and well- being, enriching lives aesthetically and spiritually, providing economic opportunities, and creating a legacy that reflects and symbolizes culture and traditions. SUSTAINABILITY FACTOR OF WMK WMK is a market leader in sustainable design. It applies sustainability principles to a range of projects, from master planning and new developments through to the refurbishment and re- positioning of existing assets and interior fit-outs. They work closely with our clients to provide an integrated sustainability approach that creates enduring benefits. WMK’s work is award winning for its approach to sustainability. The company understands common rating tools, the range of available materials and finishes and interaction between the interior fit- out and base building and apply this understanding to ensure the most appropriate sustainability outcome. rchitecture is a passion, a vocation, a calling – as well as a science and a business. WMK's award-winning sustainable design expertise delivers innovative, commercially-viable solutions developed from a holistic perspective. They push the envelope in this emerging field and are deliver ground-breaking solutions that continue to inspire. As well as being experts in design, WMK has a detailed knowledge of WH&S and access and egress requirements, and have policies and procedures in place to ensure these issues are thoroughly considered during the design process. The company also has a detailed quality management system in place that follows the guidelines of AS/NZS ISO9000-2006 to ensure high-quality outcomes for its clients. WMK is a dynamic, award-winning firm that has gained a reputation for delivering value and results through innovative design, responsive performance, and intelligent commercial solutions. It provides comprehensive architectural, interior design, strategic facilities planning, and corporate branding services to a wide spectrum of business and lifestyle clients. WMK's understanding of corporate identity and brand in the built environment underpins our approach with each of our clients on every project.With offices in Sydney, Melbourne and Brisbane and associated offices in New Zealand and India, their team of architects and interior designers are each specialists in their respective fields. They are supported by an integrated network of the industry's latest technology in flexible, interactive studio environments. “Our commitment to every project drives design excellence and delivers creative solutions with vision, backed by smart strategies and balanced by human, contextual qualities.” They have developed easy-to-use processes and documents, such as a materials database, that facilitates the integration of sustainability principles. Its holistic approach considers not only environmental sustainability but the social and economic sustainability of all organisations. This holistic approach, coupled with WMK’s understanding of corporate identity, ensures a sustainability approach that is tailored for your organisation and offers long-term benefits. SERVICES OFFERED BY THE COMPANY STRATEGY WMK can help your organisation reach exceptional outcomes through smart solutions. WMK offers a PhD-level understanding 14 DECEMBER 2019

  15. Meet the formidable director and the driving force behind WMK, Greg Barnett Throughout his extensive career, Greg has designed and managed the delivery of award- winning architectural and interiors project throughout Australia, New Zealand, and Papua New Guinea, including office buildings, luxury hotels and resorts, and industrial developments. His skill in strategy and master planning complex facilities is matched by his insightful commercial input on every project. Greg Barnett, MD of environments, productivity and self-identity and can facilitate a whole range of strategy projects - from master planning, to education strategy, workplace strategy, or design strategy. unique workplace that reflects the client’s ethos and culture. needs and drivers, define your positioning and target market, and identify opportunities for you. INTERIOR DESIGN It focuses on achieving our clients' goals through experienced strategic thinking, award-winning interior concepts, viable sustainability initiatives, and brand integration in the built environment. DESIGN The creative phase brings together vision, experience, and industry and technical knowledge. It shares its concepts as it develops the design in an exciting, collaborative process with you and other specialist consultants. ARCHITECTURE They provide award-winning architectural services to a wide spectrum of business and lifestyle clients. The company’s architectural projects not only stand the test of time - it is also known to push the envelope in sustainable design and deliver ground-breaking solutions that continue to inspire. STRATEGY AND APPROACH THAT IS FOLLOWED BY WMK IN EXECUTING ITS PROJECTS They take a consultative approach and follow a clear process – at each step listening to your requirements and direction as they progress the design to deliver highly innovative built environments tailored to your specific brief. The process allows flexibility but includes checkpoints to ensure we are all aligned going forward. DOCUMENTATION Once the design principles are clear and agreed, it’ll resolve final details and prepare the drawings, schedules and written documents necessary for council approvals, consultant coordination, competitive tendering and efficient construction. BRAND IN THE BUILT ENVIRONMENT The company specialises in understanding environmental psychology to maximise the potential of your brand in the built environment – aligning user behaviour, company culture and market position to improve operational efficiency, staff performance, and overall company efficiency. It is an expert in manifesting a client’s brand in the built environment to create a DELIVERY The translation from design into the built environment is monitored closely during the building phase, guiding quality and accuracy on site to deliver award-winning outcomes. SR DISCOVERY The initial phase is all about understanding. They establish your 15 DECEMBER 2019

  16. Mixpanel: Grow our business by learning why users convert, engage, and retain B business data, and using statistical models and iterative methodologies to transform data into business insights. The goal of business analytics is to determine which datasets are useful and how they can be leveraged to solve problems and increase efficiency, productivity, and revenue. Sophisticated data, quantitative analysis, and mathematical models are all employed by business analysts to engineer solutions for data-driven issues. They can utilize statistics, information systems, computer science, and operations research to expand their understanding of complex data sets, and artificial intelligence, deep learning, and neural networks to micro-segment available data and identify patterns. TARGETED MESSAGES & EXPERIMENTS Mixpanel helps you find the users you should target to drive changes in your KPIs, and provides the tools to execute. Nudge users with targeted messages or A/B tests based on real-time behaviors, and then track the impact in Mixpanel. Determine the exact users you’d like to target with a message or an experiment, based on behavioral data, like watching a video, or abandoning a cart, and demographic data, like age or location. Easily build highly personalized messages, and test multiple versions to see what works—all in Mixpanel, no code required. Set detailed behavioral triggers, sequences, and rate limits for messages, to ensure that each campaign is relevant, timely, and delivered at the right pace. usiness analytics is the process of collating, sorting, processing, and studying 2009 and is based in San Francisco, California. It is backed by Y Combinator, and its list of investors includes Andreessen Horowitz, Max Levchin and Keith Rabois. In April 2018, founder and CEO Suhail Doshi announced he would step down and become chairman of the board. He was replaced as CEO by Amir Movafaghi. BEHAVIORAL ANALYTICS Deeply analyze behavior with out- of-the-box reports. Mixpanel helps companies use data to grow their business. Out-of-the-box reports make it easy for teams to build reports that monitor KPIs and go deep in analyzing user behavior, so you can build better campaigns and products. Build visualizations to answer questions like “how do this year’s logins compare to last year’s?” and break it down by week, browser, device, or any other segment, so you know where to dig deeper. Understand how groups of users that matter to you differ in terms of behavior, retention, churn, and more so that you can drive them to optimal action. Keep a pulse on your most important metrics with Mixpanel’s easy-to-build Dashboards. Share them with your team through email digests, and let Mixpanel notify you when your metrics hit a certain number, or change by a certain amount. Mixpanel is a business analytics service company. It tracks user interactions with web and mobile applications and provides tools for targeted communication with them. Its toolset contains in-app A/B tests and user survey forms. Data collected is used to build custom reports and measure user engagement and retention. Mixpanel works with web applications, in particular SaaS, but also supports mobile apps. Mixpanel was founded by Suhail Doshi and Tim Trefren in USER ANALYTICS INFRASTRUCTURE Rely on a platform that’s scalable and easily integrates with your current stack. The company built a custom database for storing and querying user behavior data. Designed to answer complex questions without SQL, it’s built for much deeper user analysis than what’s possible with a session- based analytics tool. Your user data 16 DECEMBER 2019

  17. Meet the innovative leader, Amir Movafaghi Amir Movafaghi is the CEO at Mixpanel. Most recently he was Mixpanel’s Chief Operating Officer, and prior served as Chief Financial Officer at Spiceworks Inc., a leading IT network, and marketplace connecting companies to technology solutions across industries. Previously, he held various leadership roles at Twitter Inc., where he helped scale the company from 150 to 4,000+ employees and also helped lead the company through its IPO. Amir Movafaghi, CEO “As the #1 analytics and engagement solution, our mission is to increase the rate of innovation.” is available to analyse in under a minute, and 95% of queries take less than 2 seconds, so you can answer your most complicated questions in real-time. Mixpanel’s historic ingestion and query uptime is 99.9%, so you never have to worry about losing or waiting for data. When people use your product anonymously, from different platforms, and sign in and out of their account, it becomes complicated to track all that activity and associate it to the same, correct user, retroactively. Luckily, that’s what Mixpanel is built to handle, out of the box. Connect Mixpanel to your data pipeline, and choose exactly what to send in for analysis. Use the Export API to export key reports to your own internal dashboard tools or other sources with ease, and use the Decide API to run and measure A/B tests through Mixpanel. so it’s always up-to-date. Export to warehouses such as Snowflake, Amazon Redshift Spectrum and Google Big Query. Or to cloud storage platforms such as Google Cloud Storage, Amazon S3 and Azure Blob Storage as a JSON or Parquet file. Plus, choose how often you want to send data, and the format that works best for you. Mixpanel’s fully managed pipeline allows you to send data to your data science destination of choice in real time, so you get the data you need “now” right away. SR Data Pipelines Perform custom analysis with easy access to all raw Mixpanel data. Sync to your destination of choice via either JSON or Parquet formats, 17 DECEMBER 2019

  18. BuildingIQ: Building Energy and Operating Intelligence B energy use, increase building operations efficiency and tenant comfort. BuildingIQ builds services and solutions based on a core set of technologies incorporated into its platform and methodology — data analytics, modeling and optimization technologies, purpose-built applications, and human-powered, technology-enabled managed services. The company’s services deliver value to building owners and operators at any stage of a building’s lifecycle. to closed-loop control to tune your building to optimal performance 24/7. uildingIQ helps building owners and operators around the world lower of your building or portfolio of buildings. Deployment occurs once, when you engage with BuildingIQ, giving you — building owners and operators — the ability to select the services that best solve today’s problems, and then easily add new ones to tackle tomorrow’s demands. in your building. Their team augments your team with insights that identify costly anomalies while continually optimizing BMS processes. Tenant Comfort Energy efficiency and smooth operation without tenant comfort is nothing. Everything they do is tempered by the mandate of tenant comfort. Advanced predictive analytics and real-time control have resulted in lowering hot/cold calls by as much as 25% while achieving sustainable energy efficiency and operational savings. • BuildingIQ’s services can be deployed selectively to meet the needs of any building across any size portfolio or geography. Services that power its solutions range from ticket management to retro-commissioning, 5i Intelligent Energy Platform BuildingIQ’s technology platform is built on the five pillars of data capture analysis, advanced modeling, measurement & verification, closed-loop predictive control, and expert human analysis. Services built on its platform deliver an optimized balance of energy savings, operational efficiency, and tenant comfort. Energy-based Insights and Services: Value to Customers in 3 Ways • Reduce Energy Spend Without Sacrificing Comfort In a wide range of installations, BuildingIQ has demonstrated it can reduce energy consumption and operational costs while maintaining occupant comfort levels — even in buildings rated as highly energy efficient by LEED, ENERGY STAR®, and NABERS. Add Intelligence to Your Building Traditional approaches to making buildings smarter focus on only two factors: • Energy Savings BuildingIQ delivers proven, sustainable energy savings that’s a measurable outcome of the services we deploy. Yet it drives overall building operating efficiencies, tenant comfort and more. Operational Efficiency Collaboration between BuildingIQ’s remote building experts begins with BuildingIQ, taking on the hard work of, analyzing and then diagnosing what’s happening • 5i Optimized Energy Use The BuildingIQ 5i Platform of technology-enabled services learns and evolves with the needs • 18 DECEMBER 2019

  19. Michael Nark; The Visionary behind the success of BuildingIQ Michael Nark is the CEO and Executive Director of BuildingIQ since September 2013. Michael brings over 25 years of experience in software and technology-enabled service delivery businesses. He recently served as President and CEO of Power Analytics. He has a proven track record of building successful, efficient organizations and experience in leading companies to profitable growth. Prior to Power Analytics, he was President and CEO of Prenova, an energy management services provider to the C&I marketplace, where he led the business to triple-digit growth. Prior to Prenova, he served as President and CEO of GEOCOMtms, a fleet management software provider to the oil and gas industry. Michael holds a B.S. in Applied Sciences from Miami University. Michael Nark CEO & Executive Director cloud computing and sensing. BuildingIQ’s services and the platform are comprised of five major components: data capture and analysis, modeling, measurement & verification, control, and human expertise. Incorporating these five components constitute a more comprehensive approach to building Internet of Things. Technology With a Human Touch BuildingIQ’s 5i Platform has deep capabilities in data ingestion, aggregation, monitoring, trending, predictive analytics, visualization, automation and optimization of HVAC energy usage and consumption. Human expertise informs BuildingIQ’s unique energy data analytics to provide the basis for identifying operational and equipment anomalies. Proven Solutions Parts of BuildingIQ’s technology platform were originally developed by CSIRO, Australia’s national lab and inventor of WiFi. Their customers include major property owners, real estate funds, corporations, and government organizations, which have deployed the system in a variety of buildings. Products and Services to Meet Your Needs Energy metering is the first step in understanding how you use energy. BuildingIQ provides cloud-based deep metering and works ticketing to enable energy management solutions. Visualization Efficiency and improved energy measures begin with understanding where your energy is used, or misused. Deep metering, DOE modeling, and analysis are a SaaS solution that quickly identifies outliers and help measure the impact of your work. Big data, AI- driven re-commissioning and managed continuous commissioning help tune and operate buildings as only BuildingIQ’s take on the BIoT can. Predictive Control What comes after understanding energy use, acting upon insights, and operating with zero drift? Predictive control. Their services take buildings to the next level with autonomous, continuous efficiency. It’s AI that optimizes your energy efficiency and building operations, every day, 24/7, automatically. SR • • • • • 19 DECEMBER 2019

  20. Providing people with a more secure and safe device: CommuniTake Technologies T company to company and also depends on the roles of each employee and the level of confidentiality required for specific communication and data. Mobile security needs to be adjusted in each case accordingly. That is why a scaled portfolio makes sense for all types of security needs. Companies should be able to combine the portfolio modules to cover all potential attack targets including devices, apps, data transfer, and back-end integration, usually SAP. Unprotected mobile devices are always easy, attractive prey for professional hackers. Sometimes hackers target the movements of a manager, which could tip them off to M&A activities. Using mobile data carriers and mobile telecommunications is considered to carry the highest risk potential. Mobile enterprise security firms play a pivotal role in building devices and applications to protect the data. he extent to which the confidentiality of communication and data is protected varies from continuous monitoring. It monitors and collects failure data by parameters and locations and provides alerts and indications towards proactive care actions. CommuniTake offers a three-way promise: • The ultimate mobile enterprise security and productivity solution; A comprehensive after-sales support platform for service providers; OEMs with device manufacturers. • • C O V E R Primary objective The main mission of CommuniTake is to help you practice and deliver a faultless mobile experience. Their expert and outstanding staff are dedicated to bringing you an effective, perfectly- crafted solution. They are committed to making their clients more successful. CommuniTake’s values Excellence This is the touchstone for everything we do. The firm is focused on making all their products the best they can possibly be. They investigate the context of use and the behavior and needs of mobile users. It allows the company to make solutions deeper, stronger, more cost- effective, and real with tangible business results. CommuniTake Technologies builds security, care, and management solutions to provide people and organizations with better and more secure device use. CommuniTake personnel is a mix of developers from the elite military cyber units, hacking experts, and telecom veterans, ensuring cutting-edge technology, and future-ready mobile security solutions. The company’s products are deployed by the foremost operators and businesses worldwide. CommuniTake deploys an on-device application that tests the device and performs auto repair actions to optimize its function. The application transmits critical diagnosis on the device status and its connectivity. Diagnosis can be activated seamlessly or via an on- demand request for data. CommuniTake improves device maintenance via S T O R Y Innovation CommuniTake’s goal is to understand, develop, and deliver mobile experiences that go beyond people’s expectations, by means of the newest technology tailored to their customers’ needs. The firm sets the right foundations so you are ready for tomorrow. Integrity The firm believes in putting values ahead of short term objectives. The reputation

  21. The ardent visionary behind the triumph of CommuniTake Ronen Sasson is the co- founder and also serves as the Chief Executive Officer of CommuniTake. Mr. Ronen is an accomplished software industry executive and visionary. He brings 25 years of successful experience in managing hi-tech products and professional services. Prior to CommuniTake, Ronen spent 14 years in Amdocs where he was the founder and general manager for the company's self-service line-of-business vision, product and market direction, and commitment to customer service resulting in more than US$100M annual revenues in just 4 years. Mr. Ronen holds B.Sc. in Electrical Engineering from the Technion. Ronen Sasson, Co-founder & CEO "The main mission of CommuniTake is to help you practice and deliver faultless mobile experience.”

  22. is extremely important to them and they foster a strong ethical culture built around client satisfaction. With an understanding that comes from attention to doing the right things in the right way, CommuniTake’s approach brings you an effective, clear result. enforce use by the directives of the community authorities. your specific enterprise mobile security requirements. Striking features of Intactphone • Holistic, best of-all-worlds mobile security platform • Minimized cyber-attack surface to the extreme • The hardware of trust, secure boot loader, and official drivers • Highly certified architecture with no / hybrid Google services • Fused central intelligent and advanced defense controls across devices Secure execution platform Inheriting from the physical world the concept of “barriers”, CommuniTake purpose-built device operates in a highly protected environment. It runs on a trusted cloud or local operational environment. CommuniTake mobile device is based on the root of trust and anti-tamper security hardware. Device communications are performed using a lockdown security-supporting network. The mobile operating system is designed according to strict security guidelines, providing enhanced security controls for a robust central authority. Fused central governance assures always managed devices and the isolation of applications and content. CommuniTake purpose- built device minimizes the attack surface and the capability to consume and share deviating and sensitive information. Commitment The company makes its business to advise and guide customers through every step of the solution deployment. Through continuous monitoring of their work, they reveal critical points and opportunities for enhancement, improving the features and the impact of solutions. The firm is serious about its long- term commitment to its customers and they share their goals. ICOM-Internet of Things Communicator ICOM is a suite of mobile devices enabling connected IoT solutions by uniting security, central administration and low total cost of ownership. Why CommuniTake? Striking features of ICOM • Improves operational efficiencies via tailored solution • Decreases financial liabilities by lowering onboarding costs • Provides tamper-resistant connected IoT • Enables business flexibility through custom-built devices Custom-built mobile device CommuniTake’s purpose-built mobile device is built on trusted hardware, custom security-rich operating system, encrypted instant communications, fused command and control, persistent VPN, performance assurance tools, threat detection, and remote control technology. Communications are performed within a locked- down organization network. These modular components allow organizations to structure their own unique solutions. CommuniTake can also enhance the solution via custom development by the organization’s requirements. Products that enhance CommuniTake’s privilege IntactPhone IntactPhone is the world’s most secure mobile phone for organizations. This high-end smartphone is built from the ground-up to provide you the ultimate defense against mobile cyber-crime. It runs a purpose- built security-rich operating system, fused command-and- control application, built-in secure communications, and multiple security and performance assurance utilities. These components form the Intact Mobile Security platform. It protects you from eavesdropping, malware, data breaches and any attempts to hack or tamper with your mobile communications and data. It enables you to establish and enforce the best-of-all-worlds mobile device security and compliance framework to match IntactDialog IntactDialog provides encrypted communications for both calls and messages on IntactPhone Android and iPhone devices. It protects your calls and messages with high-grade encryption. Striking features of IntactDialog • Secure communications – voice calls, messaging and attachments • Military-grade encryption and security protocols • Always-safe user side via end- to-end or midway encryption • Central management console with a simple and intuitive interface • Regulation-compliant recording and archiving Central reliability CommuniTake purpose-built device operates inside a central control and intrusion prevention system to effectively define and monitor the state of the confined environment. Built-in control mechanisms impose tight supervision over device use, eliminate cyber threats, prevent consumption of unapproved content, and block unauthorized data sharing. Fused controls

  23. IntactMobility Protect your business data and increase workforce productivity with a comprehensive Enterprise Mobility Management (EMM) solution. Go beyond assets and policies management functions into the realm of Total Mobility: • Locks down devices for generating a higher focus on work tasks Integrates device takeover to allow always connected professionals Highly secure communication and content • • In-store Care Mobile device retailers are required to show the devices and provide hands- on experience as part of the purchasing experience. CommuniTake In-store Care facilitates the in-store device shopping experience while providing maintenance features for reinventing traditional in-store experiences: • Deploy central security-focused provisioning and control over corporate-owned and Bring Your Own devices (BYOD) in your organization; Deploy highly secure communications to maintain confidentiality and privacy; Automate processes with dynamic and intelligent policy engines to alleviate manual tasks; Configure devices with policies, restrictions, apps, settings, content, and more, all over-the-air • • • Provides a controlled experience of the device Leverages the contextual in-store use of the mobile device to reach prospects with highly targeted content and campaigns Tracks shopping behavior and trends that will eventually be used to guide the direction of future marketing efforts. CommuniTake In-store Care can drive your retail success C O V E R • IntactSecurity IntactSecurity is an on-device application that keeps mobile users safe. It seamlessly monitors the mobile device’s content and settings and recommends the user on corrective measures to enhance mobile security. • Striking features of IntactSecurity • Improved security posture across the organization • Reduced cyber-attack surface • Security-first approach for mobile use Machine Care CommuniTake bespoke Machine Care solution is focused on gaining actionable insights, streamlining maintenance, reducing operating costs and achieving efficiencies and improved machine performance. Machine Care is a remote service solution that offers manufacturers and service providers with the ability to remotely manage, diagnose, control and resolve issues with Android-based machines in the field. The exclusive features of this include: Enterprise Mobility CommuniTake Enterprise Mobility is a comprehensive solution for managing the mobile business imperatives. CommuniTake’s Enterprise Mobility goes beyond assets and policies management functions into the realm of Total Mobility, which is a powerful combination of device and applications management, highly secure communication, collaboration, automated issue resolution and remote device control. S T O R Y • Minimizes devices’ downtime via proactive and timely care Optimizes device reliability via OTA software and configurations updates Reduces service and support costs via automated compliance Minimizes recalls and onsite travel via remote device control Gains proactive care notifications and recommendations Maintains a holistic view of KPIs, assets inventory and policies compliance • • Striking features of Enterprise Mobility • Deploys device management via a smart, affordable and easy to set solution • Defines policies via one-and-done definitions – not by operating systems silos • Performs dynamic mass distribution and avoids complicated campaigns • • • SR

  24. Ant Financial – Bringing small and beautiful changes in the field of finance A to the world. It was officially founded in October 2014, originated from Alipay founded in 2004. Facing individual users, Alipay, the world’s largest mobile and online payments platform, operated by Ant Financial, is a lifestyle platform based on real-name authentication and creditworthiness. nt Financial is a technology company that brings inclusive financial services individuals in Hong Kong and the Philippines. services lies in providing equal access to financial services for individuals and businesses in need. This philosophy originated from ten-plus years of practice since the establishment of Alipay, as well as in the realities of inclusive financial services in developing countries, especially in China. Based on these circumstances, Ant Financial uses Alipay and other products and services as the basis for providing Internet financial services to the public. With the help of Big Data, cloud computing, and other technologies, users can enjoy equal access to financial services. This greatly expands the scope of inclusive financial services. Core Values Ant Financial Services Group is dedicated to “bringing small and beautiful changes to the world.” The “Six Core Values” play an important role in the company’s approach toward operations, recruitment, staff assessment, and remuneration, which are; 1. Customers first: Customers are the number one priority. 2. Teamwork: Share responsibilities and achievements together, ordinary people can do extraordinary things. 3. Embrace change: Be adaptable and innovative. 4. Honesty: Be honest and honorable in both words and deeds. 5. Passion: Be optimistic and never give up. 6. Professional dedication: Be professional, dedicated and constantly improving. Alipay has partnered with more than 200 financial institutions in providing payment services to tens of millions of small and micro merchants, leading to a continual increase in service use cases. Alipay has extended its service into a variety of offline use cases, such as restaurants, supermarkets, convenience stores, taxis, hospitals, and public services. Through online marketing, big data service, and other means, Alipay has empowered traditional businesses and public services to improve their user experience. Technology Big Data technology Ant Financial applies Big Data technology to the businesses in its ecosystem. Ant Financial’s MYbank, and its predecessor “Alibaba Micro Loan,” has for years leveraged a Big Data model to offer loans. It has provided loans totaling over RMB 700 billion to over 4 million small and micro enterprises and entrepreneurs over the past five years, helping them tackle the capital shortage, allowing them to survive and It is powered by the blockchain technology from Ant Financial, AlipayHK and GCash launch cross-border remittance service, offering a fast, secure, convenient, transparent and low-cost way to transfer money directly between The Ant Model Inclusive Finance Ant Financial Services Group (“Ant Financial”) believes the significance of inclusive financial 24 DECEMBER 2019

  25. The formidable leader behind the glory of Ant Financial Eric Jing is the Chairman and also serves as the Chief Executive Officer of Ant Financial. Mr. Jing joined Alibaba Group in 2007, where he was a Senior Finance Director and later Vice President. In October 2016, Mr. Jing was appointed Chief Executive of Ant Financial and in April 2018 he took on the additional role of Chairman. Prior to joining Alibaba, Mr. Jing was CFO of Guangzhou Pepsi Cola Beverage Co. He also held management positions in finance in several Swire Coca-Cola bottling plants or business departments. Mr. Jing received a Bachelor’s degree in Engineering from the College of Economics & Management, Shanghai Jiao Tong University in 1994. He obtained a Master’s degree in Business Administration after finishing the EMBA program at the Carlson School of Management, University of Minnesota, and theU.S. in 2005. Eric Jing, Chairman & CEO grow, and in turn create more job opportunities. high-concurrency ready and reliable system security structure. Cloud Computing Technology Ant Financials Ant Financial Cloud provides cloud computing services to financial enterprises. Leveraging the advanced technology and experience in cloud computing accumulated by Alibaba and Ant Financial, Ant Financial Cloud integrates a number of Alibaba Cloud’s basic capabilities and develops customized products to cater to the specific needs of the financial industry. “We do not pursue size or power; we aspire to be a good company, we push forward the goals of to serve 2 billion global consumers, empower 10 million profitable businesses and create 100 million jobs.” Facial Recognition Technology Ant Financial is committed to researching and developing advanced biometric-based facial recognition technology and applying it to online identity authentication, so as to further enhance security and improve user experience. Based on its cutting-edge facial recognition algorithm, Ant Financial has developed interactive face detection technology and image desensitization technology and has designed a SR 25 DECEMBER 2019

  26. Andrew Khoo, CEO & Co-founder TESSA THERAPEUTICS: Cure Cancer and Save Lives with Innovative and Widely Accessible Immunotherapies T and his team at Baylor College of Medicine embarked on a journey to better understand and harness the body’s natural anti-viral immune response as a therapy for cancer treatment. Their research led to the development of our core platform technology, which uses a type of immune cell known as Virus- Specific T cells (VSTs). Early VST studies have shown early efficacy and a strong safety profile in the treatment of cancer. essa’s story started over 30 years ago, when Dr. Malcolm Brenner, our co-founder, clinical trial for TT10, a VST therapy targeting nasopharyngeal cancer (NPC), at National Cancer Centre Singapore (NCCS), which produced the best-published 2-year survival data in patients with advanced NPC. The trial results set the stage for a Phase III trial – the world’s largest T cell therapy trial for any cancer indication with 330 patients across 30 hospitals in 5 countries. of cancer immunotherapy and are committed to making a difference in the lives of more cancer patients. “Tessa has a unique focus on making use of viruses as a driver for therapeutic treatments of cancer, and that’s very important because T cells, in particular, have primarily emerged to control virus infections.” Dr. Malcolm Brenner, Scientific Co-founder of Tessa Therapeutics. Today, Tessa is building a portfolio of next-generation therapies targeting a wide range of cancer indications, by combining VSTs with other immuno-oncology approaches. We are proud to be spearheading innovation in the field Platform Technology Our core Virus-Specific T cells platform shows promising efficacy and proven safety in multiple solid tumor and hematologic neoplasms. Leveraging on these promising data, Tessa initiated a Phase II 26 DECEMBER 2019

  27. What is a Virus-Specific T cell (VST)? VSTs are highly specialized T cells produced specifically in response to a viral infection. These cells have the ability to recognize and kill infected cells while activating other parts of the immune system for a coordinated response. VSTs persist in the body and activate a rapid immune response if the virus is encountered again. Andrew Khoo; Chief Executive Officer & Co-founder Andrew Khoo Co-founded Tessa, along with Dr. Malcolm Brenner and Mr. Francis Chua, and has been the CEO of Tessa since. An active investor in healthcare and technology-focused start-ups; Mr. Khoo is also a Director of other leading biotechnology companies such as Vyriad and Enleofen Bio. Prior to founding Tessa, Mr. Khoo worked in various roles at global banks including JP Morgan and Citigroup. He began his career at the Singapore Economic Development Board. Mr. Khoo holds a B.S. in Chemistry from Stanford University. Properties of VSTs • Clinical Benefit Complete and partial responses observed in several solid tumor indications, including advanced nasopharyngeal cancer, cervical cancer, and neuroblastoma • Safety Profile Hundreds of patients infused across a variety of settings – VSTs as a single agent, with genetic modifications (including CARs), or as allogeneic therapy – with no cytokine release syndrome (CRS) or central nervous system (CNS) Toxicity. Only grade 1 & 2 toxicities observed. • Persistence Complete responses ongoing at 20 months (cervical cancer). VSTs have been observed to persist over 8 years post-fusion 5 and 29 months (EBV+ lymph proliferative disease). How is our VST platform widely applicable? The solid safety profile of VSTs enables our platform to be combined with a wide range of next-generation therapies, broadening the cancer range and enhancing the scalability of our treatments. Step 3: VST Initiation & Expansion The patient’s white blood cells are isolated and the virus-specific T (VST) cell population is selectively activated & expanded. Step 4: Chemotherapy Coinciding with the VST production period, the patient receives chemotherapy. Allogeneic Therapy Using Tessa’s VST Platform Allogeneic VSTs are generated from healthy donors’ cells to provide an off-the-shelf treatment option to patients. Due to the viral specificity of their TCRs, VSTs do not require TCR or HLA gene editing to ensure a low risk of graft-versus-host disease. Step 5: Infusion & Monitoring Tessa ships the patient’s VSTs to the hospital site, where the investigational therapy is intravenously infused in the patient and carefully monitored for any adverse reactions. T-Cell Therapy Treatment: How Does it Work? Step 1: Blood Collection The patient’s blood is collected at the hospital site. Step 2: Transportation & Handling The collected blood is transported to Tessa’s central production facility or satellite labs. Target Indications Include: • Nasopharyngeal Cancer • Cervical Cancer • Oropharyngeal Cancer SR 27 DECEMBER 2019

  28. In First Confab, Votary Softech Solutions Founder and CEO, Sanjay Kamtam Says Rooted-Determination for Quality from Day one Helps Company not Just with Minimising Post Development Glitches, but also Standout among its Competitors “We create innovative, customized solutions for complex, mission-critical business challenges.” T demand for embedded software engineers that has not yet been seen in the recent history. This big push is causing a vacuum in which companies can’t find enough technically strong software engineers. Instead of training new engineers, they are starting to rely on application developers, who have experience with Windows applications or mobile devices, to develop their real-time embedded software. The problem, of course, is that these engineers don’t understand the low-level hardware, but only high-level application frameworks that do all the work for them. he big push to connect every device to the internet to create the IoT is causing a available to them. Customers can also opt for specific services based on their own in-house strength. Mr. Sanjay Kamtam saw the idea of starting up a world-class enterprise, offering premium design services as an opportunity with latitude. Being an adamant nationalist, and a Hyderabadi at heart, he felt drawn towards doing something to give back to the society, and the homeland. This gave Mr. Kamtam to take up the challenge of making the best use of human resources available at Hyderabad city, and build an empire like Votary Softech Solutions. That said, the company is one of the fastest-growing Wireless Mobile Technology companies in India committed to providing its customers robust, integrated and custom-built mobile solutions. Driven by its in-depth knowledge of the domain, Votary regulates the specific requirements of its customers and provides them out-of-the-box delivery experience. Votary provides product development solutions on various mobile platforms such as Android, Windows, Qt, BlackBerry, iPhone, Tizen, bada, and BrewMP. Over the years, Votary has established relations with some of the major Fortune 500 companies in the globally and has exhibited tremendous growth in numbers, products, revenues et al. Glitches: Votary Faced During Initial Years Unlike most companies, Votary never struggled for gaining business; rather, its challenge was to find the befitting skilled talent from local resources in India, in Hyderabad – as the level of technical expertise Votary sought for, was not readily available. Another major challenge Votary faced was that its projects called for maintaining the utmost confidentiality in addition to having extraordinary knowledge. As per Mr. Kamtam, these two characteristics were not necessarily very common, especially in India. However, Mr. Kamtam defied these challenges by taking up the role of a mentor and ingrained the importance of skills as well as confidentiality in team Votary. In light of the foregoing, we’re thrilled to present Votary Softech Solutions. Votary Softech is a technology company providing Design Services in the areas of Embedded Product Solutions and Embedded Software Engineering. The company was incorporated in 2009 and is headquartered in Hyderabad, India. Sanjay Kamtam, Votary Softech Solutions Founder and CEO, spoke exclusively to The Silicon Review. Below is an excerpt. Votary offers multiple product platforms and ODM Services, using which Original Equipment Manufacturers (OEMs) can significantly reduce the time cycle for new product introductions in the market. The unique Votary- offered virtual ODM Service model is a boon to Indian OEMs who can now launch ‘Make in India’ products with complete conceptualization to volume production services Elements: That Keep Votary Stay Ahead of the Curve Speaking about the embedded technology sector, Mr. Kamtam affirmed from self-experience Rewind: Taking Flight Having worked for 23 years in the embedded technology domain, 28 DECEMBER 2019

  29. of 23 years that unlike other IT businesses, embedded technology doesn’t see any drastic changes. The persistence of embedded technology apparently makes it less challenging to program and operate systems, unlike most other technology products and solutions. Giving a straightforward example of phone cameras, Mr. Kamtam said that since its invention, the phone camera runs on sensors – the number of sensors can be increased or decreased – but it will always run on sensors. Cameras have evolved from analogue to touch sensing, but the reliance on sensors has not changed. Within this unchanged technical factor, lies the business of embedded technology. Hence, as per Mr. Kamtam, Votary is not usually exposed to the volatility of the high-paced tech market and does not have to overcome drastic changes very often. Transport and Smart Security. Moreover, team Votary is now concentrating its innovative skills on developing more platforms and solutions for various smart devices. Our focused approach and meticulous handling of each project separates us from the rest. We are dedicated to providing end-to-end cutting edge technological solutions of exceptional quality with a seamless scope of expansion.” That said, the ethos of Votary lies in delivering result-centric products and solutions, with uncompromising quality and maintaining global standards. Each project designed and developed at Votary is executed by trained professionals with utter perfection while keeping a constant eye on international quality norms. The rooted determination for quality from day one helps Votary not just with minimizing post development glitches, but also standout among its competitors. Proven for delivering the best since its inception, Votary is seen as a trusted name for delivering excellent end-to-end quality and an inherent futuristic scope. This ingrained approach has garnered Votary with a strong clientele, and the company fosters the idea of building long term relations with each client and attain mutual success. Going Above and Beyond Votary is dedicated to not just functioning, but excelling in the mobile technology domain, and hence, each project is spearheaded through an extensive R&D program. The company’s sophisticated, state-of-art R&D facility in Bangalore is equipped with the latest tools and highly qualified professionals – and serves as the source of boosting clients’ project at the right time, and Factors: That Aid Votary Outshine Competition Despite the persistent nature of embedded technology, innovation is part of Votary’s DNA and they direct 50 percent of their investments for promoting R&D and innovation. Votary has introduced numerous groundbreaking products such as VITA – its indigenously designed and developed IoT stack, Smart Transport, Smart Security, and Smart Campus. The Telengana Government Police Department and over 160 companies are currently using two of these innovative solutions – Smart

  30. making sure to meet every deadline, every goal. skills proved to be the core trust gaining factors from the clients. The founder’s aspiration for creating the best, meeting client expectations and respecting their trust is undeniably the secret of the company’s unwavering reputation. system design and development services. The platforms that Votary mainly focuses on are – 4G LTE feature phone, smartphone, tablet, and wearable electronics, set-top box, automotive infotainment, and IoT. Moreover, Votary is pivoted towards building new IoT platforms which will help its clients in growing their businesses and attaining recurring success. SR That said, Mr. Kamtam can be credited as the primary source of gaining the reputation that the company maintains, currently. As mentioned earlier, Votary has never faced the challenge of finding business, and Mr. Kamtam’s dedication and problem-solving Products Overview Votary specializes in mobility and IoT domain, providing end-to-end Sanjay Kamtam: A Charismatic Leader Sanjay Kamtam is the Founder and serves as the Chief Executive Officer of Votary Softech Solutions. Before wearing his entrepreneurial hat officially, Mr. Kamtam has worked for Mobile Applications division at Motorola India. Prior to taking a transfer to Motorola India, he spent over nine years at Motorola’s Mobile Division headquarters in Libertyville, Illinois, U.S.A. His entrepreneurship skills were shining outright when he pioneered the development of SMS and Cell broadcast stacks on GSM technology. Mr. Kamtam has a story to tell with every Motorola handset developed and launched globally during his tenure. Mr. Kamtam was instrumental in bringing several firsts to market such as Dual-band, Tri-band, GPRS, UMTS, Internet browser, MMS, Multimedia, etc. Under his leadership, the first Motorola product with Multimedia – Video capture, Audio, and Mobile Internet browser was developed and launched globally. He took up many leadership roles at Motorola across several technology groups. Mr. Kamtam has been recognized as ‘India’s Most Trusted CEO of 2019’ by ‘WCRC iBrands 360’, presented by the Honourable Union Minister of State for Home Affairs, Mr. G Kishan Reddy. He has also been awarded the ‘CEO of the Year 2019’ by ABP News in association with ‘CMO Asia’ and ‘World Marketing Congress’. Sanjay Kamtam Founder & CEO Mr. Kamtam holds a Master of Computer Science from the University of Alabama. 30 DECEMBER 2019

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  32. Streamline your retail operations with a highly scalable, deep image analytics platform: Graymatics T industry forward into an exciting new future. Inside this new retail world, retailers and brands are limited only by their imaginations. Using the latest innovations as the undercurrent – things like mixed reality, machine learning and AI technology – you can now truly put customers at the center of your business. These innovations are turning out to be a weapon for bringing stickiness in the online stores. It saves the retail industry from the recent disruption by riding the innovation excellence to delivering data backed experience. Graymatics, Inc., is an intelligence- based security expert. The firm’s cloud platform provides solutions to security providers, retailers, publishers, ad networks and other service providers globally. Graymatics was established in 2011 and is headquartered in Singapore. Graymatics was set up with the vision of having a massively scalable platform to transform videos and images into actionable data. This effectively allows any application which currently utilizes text to obtain context, to as easily use images and videos. We have since developed a highly scalable, cognitive multimedia analytics platform that provides a solution for all the possible industries like Surveillance, Telecom, Media and Advertising, Retail and E-commerce and helps them cater to their various requirements holistically. unable to make sense of.” he advancements and speed of technology innovation are catapulting the retail platform with various API’s and advertising tools with various companies such as Hakuhodo Inc. (a Japanese advertising and public relations company), Vodafone- Spain and with KDDI, a large Japanese carrier. Utilizing context from images for more effective advertising, and towards enhancing consumers’ experience were few of the initial use-cases for which the platform was used. The company initially built a robust platform on which deep image, video, and audio analytics was performed to an extensive level. With the successful deployments and increasing demand of some very specific applications around Smartphone applications, surveillance and social media insights, it moved higher in the value chain by offering full-scale products and services in specific areas. The presence of massive amount of video content and with various new video sources from so many appliances resulted in an increased demand of Graymatics’ products and services. This led to a consistent growth in various functions of the organization ensuring that its clients have the highest competitiveness in industry and the most delightful experience working with them. The platform is extensively used and demanded in different sectors like surveillance, e-commerce, digital media and many more. “A large majority of today’s platforms are limited to analyzing text- or binary-based data. Yet, across the Internet, over 26 billion photos and over one billion seconds of video are uploaded daily. This is a huge amount of information which Big Data and search engines have thus far been A smarter solution is necessary in order to go beyond the limitations of manual monitoring. Our plug-and- play Smart Surveillance technology uses image recognition and artificial intelligence to proactively Graymatics initially launched its highly scalable, deep image analytics 32 DECEMBER 2019

  33. scan roads, car parks, and secure installations, empowering even the most basic CCTV system to keep your premises safe. Our security and surveillance solutions can provide support with functions such as Traffic Monitoring, Number Plate Recognition, Vehicle Detection, Monitoring and Vehicle Counting, Recognise car make and model, Car Park Monitoring, Parking Assistance/Parking Guide, and Premises Monitoring. It is not only limited to Vehicles but also includes People and Clothing analytics. Like People counting and tracking, people demographics, in-depth clothing attributes like neckline, color, pattern, sleeve length and much more. The company’s cloud based online platform allows automatic real-time indexing, analysis and classification of videos with a suite of search, curation, recommendation and advertising tools enabling security providers, retailers, publishers, advertisement networks and other service providers to do content-based analysis of video and other digital media. massive increase in video content over CCTV’s, over the internet and on Smartphones, Graymatics sees the opportunities limited only by imagination. The company is looking to enable a range of solutions so that many billions of video minutes pass through Graymatics platform in the next 2 years, and it plays a role in transforming consumers’ video experience and make this a safer world. Furthermore Graymatics has range of new products across various different spaces like Telecom space, Surveillance, Retail analytics and many more to be rolled out soon. SR “Visuals triggers emotions and emotions drive our lives.” This concept impels Graymatics to create innovative solutions. With the The Brain behind the Picture Abhijit Shanbhag, President & CEO: Prior to founding Graymatics in 2011, Abhijit Shanbhag has been a serial entrepreneur within Silicon Valley and co-founded his first company in 2001 - Scintera, a leading fabless semiconductor company which developed the industry’s first programmable RF signal processor, and was later acquired by Maxim Integrated. Mr. Shanbhag has previously held key technical and management roles at Qualcomm, Ericsson, and Morphics. He holds a Bachelor of Technology from the Indian Institute of Technology, Bombay and a Ph.D. from the University of Southern California, where he continues to be on the Advisory Board. Abhijit Shanbhag President & CEO 33 DECEMBER 2019

  34. Elevating Companies through Cloud- Infrastructure: Dolomite Finance Limited Dolomite Finance Limited “In the spirit of perseverance, we drive organizations to meet challenges and sustain development.” D consulting firm founded in 2016 and it is headquartered in Hong Kong. The company works closely with professional strategies and infrastructure disciplines to identify opportunities for customers’ journey to the cloud. Based on the experience of public cloud construction and maintenance, the company has assisted its customers to gradually familiarize themselves with and complete the overall deployment from cloud infrastructure, application migration, data backup, disaster recovery, security monitoring, and optimization analysis. In order to improve the overall performance of the clients’ entire network, Dolomite also provides network defense services, China and international direct links, various information security protection tools, and 24/7 continuous network monitoring services, and provides professional consulting services and solutions to problems. The Great Wall Firewall of China has always been a major difficulty for various industries to enter the Chinese market based on Internet services. Following the deep experience of public cloud construction, combined with China and international direct links, website content acceleration services, and real-time monitoring and optimization of network connections, Dolomite quickly and successfully built olomite Finance Limited is a purpose-driven multimedia customers for internet services to the China market. At the same time, considering the hacking of Internet hackers and the diversification of hacker attacks, the company has also built defensive services such as Anti-DDoS and WAF for its customers. As the requirement of hybrid cloud is growing day by day, a competitive compound talent who has ever dealt with on-premises infrastructure and with knowledge of cloud computing and information security, is hard to find, in order to leverage that technology to enable the right people to do the right things in the rapidly changing workforce, Dolomite encourages all colleagues to join professional training classes and getting cloud certifications for a more specific skills to serve customers. Meanwhile, team learning is built up quickly when sharing experience becomes a performance index. Dolomite’s professional cloud service team uses PDOO (Plan-Deploy-Operation- Optimization) service methods to help companies smoothly build network and cloud services. From formulating cloud strategies, planning cloud architecture lines, and implementation steps, gradually implementing the professional deployment, rationalizing application performance, and even providing intelligent maintenance monitoring services. Dolomite makes use of the same method in the setting and development of corporate goals, constantly self-examine and optimizes, and cooperates with a

  35. With the ever-changing industry and ever-changing technology, we have gradually integrated the corporate culture of professional dedication, learning excellence, collaborative sharing, and innovation and efficiency in creating a wealth of service, experience, and team interaction, creating positive corporate value. “ “ ” ” flat organizational structure to form an innovative, efficient and collaborative corporate culture. In the ever-changing market environment, the company continues to build a cloud technology platform designed to consolidate competition, strives for advantages and establishes differentiation. Through the accumulated cloud service professional experience, a variety of cloud services are connected in series from outside and an innovative application service model is proposed from the inside out. In the development of the technology platform, Dolomite continues to expand its portfolio, planning to deploy a series of unique competitive capabilities, corresponding to the market’s innovative business model, and provide high value- added development strategies. Dolomite has conducted market analysis in-depth and aware the needs of the current market. Mainland China is a big market and most companies are interested in expanding their business to China; however, fewer of them have a completed solution. Some are not eligible for applying the ICP Filing, issued and governed by the Ministry of Industry and Information Technology (MIIT), the license is a company’s entry permit to the Internet world in China, and some are multinational corporations, having difficulty on integrating their resources or suffering connection issues. To meet its requirement, Dolomite invests in China line for direct connection to accelerate the speed and decrease the rate of package lost. With its direct link, those companies can get into the China market even without ICP Filing. When a company wants to migrate its application or IT environment to the cloud, it might have several questions like how to transfer data, will data be revealed, how to save more and the most important aspect is who can solve its problems while the migration procedure takes place. Dolomite’s core value is to provide a one-stop service for customers to save its time to transfer the terminology while just talking to one supplier only. The company offers cloud- based security solution for both cloud and on-premises infrastructure; meanwhile, a customized direct link service provides support for those who care about latency and the possibility of packet loss. To identify what pain points are and how they can position themselves as a potential solution has remained Dolomite’s mission to expand and the service lifecycle for gaining customers confidence is its vision. The rapid expansion of public cloud services, providing a variety of innovative service tools and a mature and stable network environment, has caused many companies to no longer expand the size of the local data center and turn to the public cloud. Dolomite has proposed a new SDDC (Software- Defined Data Center) product service that guides enterprises to quickly migrate the local data center directly to the public cloud with minimal environmental variability, greatly reducing the workload of IT staff and the risk of data migration, and is seamlessly aligned with rich tool resources from public cloud. In addition, the firm has increased the product service types of Anti-DDoS and WAF. In addition to the global cleaning capacity of up to 3Tbps, the company also built a local near-source cleaning service to provide a secure and fast response network connection service to local enterprises. SR

  36. Nearex–Making digital payments affordable and accessible D platforms are capable of making payments online as well as offline mode. Cashless payments are the way of the future and easier than using cash in leisure facilities and offices. Micro-payment is a hugely exciting domain. There is no greater satisfaction for those in the technology space than building products that its users like the most and keep using it. variety of TAGS • Offline Transactions and Stored Value Payments • Faster Deployment Pre-integrated APIs On-Premises/Cloud Hosting Xip Platform XipAPPs XipAPPs allow the extension of Xip Platform’s online and offline capability to Android NFC phones and Android-based NFC Terminals. igital payment platforms have eased cashless transactions, and have been popular. These the power of contactless technology to deliver a world-class end-to-end solution comprising of terminals, tags and the software. Xip delivers powerful features based on its robust building blocks which include: • NFC / QR / Audio Suitable Payment Tech • Affordable devices and a variety of POS • Multiple form factors and a Xip Stored Value Payment Solution Xip Stored Value Payment Solution is an offline payment system where value is stored and managed on the tags that customers carry. Such systems are invaluable where transaction speed is critical – like in transports – or where network connectivity is unreliable. Xip Stored Value delivers a user experience to customers that are as close to cash as one can get, making it a great first step for digital payments for users who are only used to cash. Nearex is a pioneer in defining the industry; it is a rapidly growing fintech company, providing a breakthrough cashless payment technology that’s revolutionizing small payments across emerging markets. Founded in 2012, by professionals from the mobile and fintech industry, the Nearex team’s passion is to digitize small everyday payments where cash continues to dominate. Xip Platform is built to manage an innovative range of terminals, tags & transactions and deliver a sophisticated solution that is highly flexible, scalable and secure. Xip Stored Value Key Features: In addition to Xip Platform’s common features, the Stored Value also has a host of features to make it a truly compelling payment system. • icon Cash-based or online loading of cards • icon Anonymous or mobile- linked cards • icon Offline PIN, with a per user-selectable limit • icon Optional pre-integrated wallet Xip Devices A unique range of terminals developed to support NFC, QR, Audio and Biometric based payments. Be it online or offline, mass or niche market, they cover all the use cases at a very affordable cost as they are designed for scale & flexibility. XipTAG An innovative range of NFC tags that serve as a unique linked identifier for both online and stored value payments. Tags are available in various form factors like a card, sticker or modular wearables, to suit the lifestyle of your consumers. Primary Objective To provide a breakthrough cashless payment technology that’s revolutionizing mass payments across emerging markets. Products and solutions that are defining the power of digital payment Contactless Solution Xip Contactless Payment Solution was created to make electronic payments as simple and easy to use as cash, affordable enough to use for the smallest merchant in any country and powerful enough for the most sophisticated merchants. Leveraging the power of Xip The Xip micropayment system is designed to digitize everyday low-value payments where cash continues to dominate. Xip leverages 36 DECEMBER 2019

  37. “We provide a breakthrough cashless payment technology that’s revolutionizing mass payments across emerging markets.” Mayank Sharma, CEO The formidable leader behind the success of Nearex Mayank Sharma is the Chief Executive Officer of Nearex. Mr. Mayank believes the challenge of cashless micropayments can only be solved when technology competes favorably with the convenience and affordability of cash. He started Nearex to empower consumers & merchants around the world with simple cashless payments leveraging the reach of mobile phones. Mayank is an industry veteran with experience in leading multiple global teams. Xip brings a complete payment system to enable a very wide variety of organizations to launch retail and proximity payment services. It helps mobile money grow beyond remittances, banks to reach the unbanked, and wallet services to offer convenient retail payments. Xip enables simple, convenient and secure cashless payment that fits the social context based on these unique features. • icon Easy & Fast to deploy: Faster go to market • icon Distributed tag issuing: efficient and convenient customer acquisition icon Rich set of services – airtime sales, utility bill payments, and more icon Support for service promotion features admin-ajaxDaily business reporting, transaction reports • • • SR 37 DECEMBER 2019

  38. “VIGILANTE HACKING: LUCIDEUS TECH” I about their money or their property being stolen. Today, the worst crime that can be done to a person is not theft but being hacked. There is so much personal information circulating around the web that a single act of cyber theft/crime can expose the person’s information like, social securities, identities, bank information, sensitive data and sensitive pictures. n the 21st century, information is more important than money. Earlier, people used to worry Well over one third of the population is connected over the World Wide Web and the increasing number of users also warrants in increase in the data being circulated online. With the increase in the data being shared around the web, there is an increase in the number and ability of hackers who are out there to steal the data available and exploit the loopholes available. by combining ‘Lucifer’ meaning darkness and ‘Deus’ meaning ‘God of Light’. It strives to channel the power of hacking into the right direction using the right intentions and skill set. Lucideus starts by first scoping and application classification. It scans scheduling next followed by performing the actual scan. It makes a report of analytics and then starts patching the holes found in the network. Delhi based Lucideus Tech does right to its name that has come to ETHICAL HACKING It engages in ‘ethical hacking’ to help businesses safe guard them from being exposed to the malicious hackers. Globally, we’re moving towards collaborative technology called IOT; Internet of Things. It brings data, cloud computing, analytics and social media on a single platform. One of the major drawbacks of IOT is security. Security Assessment Framework for Enterprise (SAFE) SAFE is the main product developed by Lucideus in order to fight cyber- crime. It is an AI and ML backed platform to quantify, measure and mitigate enterprise wide cyber risks in real time. Lucideus is a dynamic and self- evolving enterprise cyber security and risk management platform that integrates with your existing IT Infrastructure and security tools deployed within your organisation to do real time assessments and provide one number (between 0 to 5), both at a macro (enterprise wide) and a micro (asset wise) level for the leadership 38 DECEMBER 2019

  39. teams to be able to visualise, track, and enhance their cyber risk posture. Striking features about SAFE • SAFE enables the organization to have real-time assessments on their assets (Configuration Assessment) • Virtually simulate real hacks to find out your cyber defense posture against known hacks • SAFE gives a real-time posture analysis against the global compliance frameworks being followed in your organization • Easily remediate vulnerability and configuration controls following a change control process • SAFE represents an entire organization's security posture Saket Modi, the CEO of Lucideus saw this as an opportunity to challenge the ever growing cyber market. Lucideus provides Cyber Security Consulting, Cyber Security Training and other security services. They serve a number of high profile clients like IBM, Microsoft, Cognizant, HCL, RBI, Indian Railways, KFC, Himalaya, and Pizza Hut among others. It has a strong team of people who are well versed with the challenges faced in the field of cyber security. Saket has also set up research and training labs in major IITs in order to train people in more than 200 colleges in India. Lucideus has been the recipient of the National Entrepreneurship Award in 2016 for the Best IT startup. SR Formidable leader behind Lucideus’ success: Saket Modi, CEO "Chance favours the Prepared'. Cyber security is not our core competency, it's the only competency that we have. Thus, we are prepared for the web revolution the world is going through and strive reaching a point where everybody wants to connect with us," says Saket Modi. He started off as a hacker, hacking into the school system in order to get the question paper for an exam for which he was caught. He ended up confessing to the teacher soon after and as he grew up, he realised that his hacking skills can be utilised in more constructive ways. Finally, at the age of 21, he set up Lucideus alongside Rahul Tyagi and Vidit Baxi. Saket eventually set up offices in New Delhi, Palo Alto, New York, Mumbai, Boston and Bangalore. Saket Modi, CEO

  40. Sunseap: powering your home and business with solar energy A energy companies have embarked on a race to impress the world with majestic clean energy projects of all kinds and demonstrate their true potential. Some projects are destined to meet increased national energy needs in the wake of phasing out fossil fuel power plants. Oth- ers are seeking to use a country’s competitive advantage and create energy export opportunities. After all, the charm of renewable energy sources is that they have the ability to change the world energy land- scape, and give prominence to the new ‘energy exporters’. As renew- able energy is no longer considered a niche technology, countries and energy companies have embarked on a race to impress the world with majestic clean energy projects of all kinds and demonstrate their true potential. s renewable energy is no longer considered a niche technology, countries and and around the South East Asia and Pacific region. cluding green loans, green bonds or other debt instruments) to finance or refinance green projects in three eligible areas: renewable energy, energy efficiency and green roof systems. These can include renew- able projects including rooftop solar, run-of-river hydro and wind energy; energy efficiency projects for ex- ample smart grids, battery storage and LED lighting retrofits, as well as roof-top greenery projects. Backed by institutional equity investors, venture capitalists and financial institutions such as Gold- man Sachs and DBS, we have the resources to create a dedicated and bankable solution for our custom- ers. From solar photovoltaic (PV) installations, to offsite clean energy supply, energy efficiency solutions, and project financing, our integrat- ed and holistic approach will solve your energy needs and create added value for any business. Sustainalytics, a leading indepen- dent ESG and corporate governance research, ratings and analytics firm, was engaged to provide a second party opinion on Sunseap’s Green Finance Framework. Its report concluded that the framework is credible and impactful, and contrib- utes to UN Sustainable Development Goals (SDGs) 7: Affordable and Clean Energy and 11: Sustainable cities and Communities. Vision and Mission Vision Affordable Clean Energy for Every- one Mission Spearheading clean Energy utilities and decarbonising solutions in a sustainable manner Sunseap secures SGS$43 million Green Loan from UOB Sunseap secured a SGD$43m green loan from United Overseas Bank (UOB) to fund the installations of solar photovoltaic (PV) systems on the rooftops of 210 sites, from Sunseap Group is the largest and most established clean energy solu- tions provider in Singapore, with re- gional operations in South East Asia Pacific. We currently have a portfolio of pipeline and completed projects that are close to 2 GigaWatt-peak (GWp) of solar projects in Singapore Sunseap Green Finance Framework Under this framework, Sunseap and its subsidiaries will be able to raise green financing instruments (in- “We are the leading clean energy solutions provider in Singapore specialising in Solar PPA, offsite clean energy supply, EPC and O&M solar PV solutions, demand-side management, energy efficiency and more.” 40 DECEMBER 2019

  41. Meet the CEO and Executive Director Frank Phuan Frank has over 20 years of experience in the solar industry, and possesses an Honours Degree in Applied Science in Materials Engineering from Nanyang Technological University (NTU). Prior to setting up the company, Frank spent time in his family business, manufacturing solar panels and learning the ins and outs of the business. An experienced entrepreneur, Frank also spent time delving into advertising, IT and F&B. Frank is also a member on the NTU College of Engineering Advisory Board. Frank Phuan CEO & Executive Director commercial and industrial to govern- ment premises. Collectively, the sites have a total solar capacity of 37 MW- peak that can supply enough energy to power more than 9,600 4-room housing development board (HDB) flats for one year. The green loan, in an agreement with Sunseap Green Finance Framework, will tap various financing instruments to fund its projects and businesses with environ- mental benefits, mainly on the areas of renewable energy, energy efficien- cy and green roof systems. contributed to the development of the clean technology sector in Singa- pore and beyond. Till date, theyhave secured capital to fund their portfolio of solar projects of several hundred Megawatt-peaks. Their financial part- ners include; Goldman Sachs, DBS, UOB, ING and OCBC. Sunseap has also forged long-term relationships with strategic partners such as EDB, IE Singapore, SPRING Singapore, SERIS and DNV. and Sunseap Group for the Singa- pore portion of its regional U-Solar programme, which connects Asian businesses and individuals with the lenders solar company partners to help clients go green by switching to solar power. Under the collaboration, businesses and homeowners will be able to adopt solar energy by choos- ing from the installation, commission- ing, operations and after-sales service packages for solar power systems provided by the three solar firms. To help with the costs of installing and maintaining the system, UOB will of- fer business owners solar equipment financing, while homeowners can opt for a zero per cent interest install- ment plan of up to 36 months. SolarGy, SolarPVExchange and Sunseap lend weight to UOB’s solar financing plan UOB has partnered home grown solar companies SolarGy, SolarPVExchange Clean Energy Investments Backed by reputable and credible fi- nanciers, Sunseap has developed and SR 41 DECEMBER 2019

  42. InfoTrie– Leveraging Big Data technologies to next level I in the Singapore. And, there are offices in India and Europe. They are advanced in algorithms transform unstructured data in finance into actionable alerts. InfoTrie helps visualize in an insightful way to reduce analysis time. So, you can spend more time on making decisions. The company was founded in 2012. And the firm has released a lot of quality products and services. They are a creative, efficient and global team; have decades of expertise in Information in Finance today. nfoTrie is a Big Data, Financial Engineering and News Analytics company with headquarters Systems, Artificial Intelligence, Financial Engineering, and Quantitative Modelling. InfoTrie offers cutting-edge technology to analyze the humongous flow of financial industry information. The engine transforms real-time data from financial news, social media, blogs, transcripts, reports into actionable alerts. We uncover low signals for analysts and investors, alert them in real-time, instantly cut the noise, research is fast-tracked and you can use our low latency API to feed your systems. InfoTrie helps you monitor your portfolio, build new breeds of investment strategies and ultimately generate Alpha. In short, clients can use their products and services to Why InfoTrie? There are too many unstructured data (news, blogs, transcripts, social media, reports)… in the Financial Industry. However, people cannot read everything. Providing low latency quality information and investment signals is the key. Therefore, InfoTrie aims to leverage Big Data technologies to change the way unstructured data is consumed Meet the mastermind: Frederic Georjon Frederic Georjon serves as the Chief Executive Officer of InfoTrie. Mr. Frederic co-founded InfoTrieis a Singapore based venture dedicated to the processing of unstructured data for finance. He has more than a decade of international expertise in trading applications and financial systems. Frederic Georjon, CEO

  43. “Clients can use our products and services to take action on early market-moving information and gain perspective and context from differentiated information.” take action on early market-moving information and gain perspective and context from differentiated information. financial position of the asset/ topic/ company, and gain insights useful for projecting future values. In addition, InfoTrie provides easy access to many years of historical data so that trends over time can be examined. commodities or topics/ people, other assets tracked by InfoTrie sentiment engine Data & APIs I-Feed offers Alternative data and Sentiment Analysis for 70,000 + stocks, major FX, Crypto-currencies commodities, topics, people (influencers), other assets tracked by InfoTrie sentiment engine. Up to 15 years of tick by tick and/ or daily time series can be provided for any asset. In addition, you can download historical data on demand. Click here and Register to access the API. The firm is specialized in: • News analytics, sentiment analysis for assets, people, topics • Global Business and IT consultancy dedicated to Data Science and Financial Services • Machine Learning and Big Data Real-Time Architecture • Trading systems and trading technologies integration • The development of proprietary Big Data and predictive analytics solutions InfoTrie’s finest products and services FinSentS: Financial News and Sentiment Screener FinSentS (Financial News and Sentiment Screener) is a new generation financial news and information Portal. It scans and monitors millions of websites, blogs, and business news publications in real-time to analyze 70,000 + stocks, topics, people, commodities and other assets by advanced low-latency algorithms. It can offer premium sentiment analysis data, predictive analytics, and other alternative data. Consulting Services InfoTrie offers AI in Finance consulting services. We combine our expertise in Financial IT (Algorithmic Trading, Asset Management and Treasury Systems) with Machine & Deep Learning skills to provide a fertile ground for innovation. Develop rapidly new solutions; identify new perspectives and technological trends.SR Their Machine Learning and Big Data Real-Time Architecture have realized sub-second latency: structured sentiment data, buzz data, alternative data come out immediately if any information arrives. InfoTrie’s premium analysis enables financial analyst, traders, investors to evaluate past performance assess the current I-Feed I-Feed offers Sentiment data for 50,000 + stocks, Major FX,

  44. Moneythor– Making digital financial services more relevant to get great financial insights M and Tokyo, developing banking software components designed to provide better digital banking for customers and enhanced marketing & analytics for banks. The company was founded in 2013 to provide banks and fintech firms with a modern toolkit to enhance their digital banking services, with a prime focus on the generation of data-driven personalized and contextual recommendations for their customers. Moneythor solution provides out-of-the-box capabilities to fast-track such initiatives while enabling you to deliver unique data- driven personalized content and deeper engagement. from the ground-up to be bank infrastructure-friendly and scalable. It is deployed on-premises in the financial institutions’ technical infrastructure or in the cloud. oneythor is a financial technology company, with offices in Singapore, Paris, in Singapore and also present in Paris and London. Their solution is currently used by financial institutions in Australia, France, Hong Kong, India, Indonesia, Japan, Malaysia, Singapore, and Vietnam. actionable recommendations and insights to customers. Examples of these include personal or business financial management (PFM/BFM) features, budgets, goals, automated savings alerts, predictive forecasts, and financial literacy material, cross-selling, card-linked offers (CLO) and more. The solution is packaged with a library of preconfigured content, insights, notifications and nudges ready to be used and covering a broad set of use cases. Custom ones can also be uniquely crafted by the banks in the solution’s user-friendly back-office tool. Products and solutions furnished by Moneythor The Moneythor software solution is a channel-agnostic data- processing engine with a rich API enabling banks and fintech firms to offer improved functionality and experience to their customers through their digital banking services, such as Web, mobile and chat bots. The solution is a pure Java EE application designed Retail Banking Traditional features offered by retail banks via their digital channels are often exclusively transactional and not effective at engaging with customers or genuinely helping them with their daily financial needs. What is required is a more proactive approach, whereby transaction & activity data is constantly analyzed in order to Since inception, Moneythor has set a mission for it to make digital financial services more relevant, more personal and to wipe out the myth that you cannot get great financial insights when you visit your financial institution online. The company is headquartered Personalized solutions The prime focus of Moneythor is in the delivery of real-time, personalized, contextual and “Moneythor solution provides out-of-the-box capabilities to fast-track such initiatives while enabling you to deliver unique data-driven personalized content and deeper engagement.” 44 DECEMBER 2019

  45. provide personalized insights and timely recommendations to consumers. Moneythor empowers commercial banks to leverage digital banking as the ideal medium to deliver tailored data-driven financial assistance with transaction insights, forecasts and recommendations for relevant products to their business & SME customers, across cash management, FX, commercial cards and trade & supply chain finance. Moneythor’s business banking enhances online services to your Business and SME customers with actionable insights into their finances across cash management, FX, trade & working capital finance, and commercial cards. and/or wallets to powerful search capabilities, advanced money management features, self-service personalization, and digital engagement tracking, all capabilities are available through the UX- agnostic API. The Moneythor solution delivers a powerful and flexible platform along this vision to enable customers of retail banks and B2C fintech firms to improve their finances both in the short and long term. Augment your digital banking services with personalized recommendations for consumers, including personal financial management (PFM), financial literacy & advisory, contextual marketing, card-linked offers (CLO) and more. Rich Banking Data Leveraging rules-based expert system capabilities, statistical algorithms and machine learning, the Moneythor engine is used to augment, classify and analyses transaction data in order to generate better insights for the financial institutions and their customers. It covers the processing of multi-bank (Open Banking / PSD2) and multi-currency instruments, custom events, the auto-categorization of both income & expenses, the normalization of transaction details for improved analytics, the automated detection of trends, patterns and more. Web, Mobile & API The Moneythor solution delivers a flexible framework to enhance the digital banking experience of customers across all devices with out-of-the-box Web integration and a modern developer-friendly API, fully documented and consistent across its front-end and back-end endpoints. From unified transaction history across accounts, cards Business Banking At most commercial banks today, SME and corporate customers can accomplish a wide range of their companies’ everyday banking activities online. However, those digital services generally fall short when it comes to truly assist businesses to improve their finances. SR Olivier Berthier, Co-founder & CEO 45 DECEMBER 2019

  46. F EmpathAI™ technology, is revolutionizing how companies understand captivate audiences. Developed by world-class experts in psychology, AI, data mining and machine learning, EmpathAI™ combines intricate psychological models with proprietary algorithms aimed at instantly producing comprehensive insights from personality traits, attitudes, and behavior of any user, employee or customer. ounded in 2013, INFI is a leading global AI company, headquartered in Tel Aviv, who’s pioneering INFI’s offering is a ‘game-changer’— empowering companies with the means to custom their services and product offering. As of today, through its partnerships with market leaders across verticals, INFI is deploying its technology worldwide. INFI revolutionizes human- machine interaction by translating individual personalities into code What challenges did you face in your initial years? What can your peers learn from it? As a market pioneer, INFI was challenged by the need to educate the market and showcase the significant value derived from the understanding of individual’s personality, beyond past behavior and demographics, across digital platforms. At a certain inflection point in our company evolution, as we have become a known leader in our space, we realized that, we need to shift our efforts from market education to customer onboarding and implementation of EmpathAI™ worldwide. INFI provides companies with the means to understand their end-users in person, across digital channels, changing the way companies interact with their customers. No more one size fits all. Now it is all about creating personality-based messaging. “With INFI, companies gain a comprehensive customer UNDERSTANDING in the digital sphere.” With EmpathAI™, companies can understand an individual’s needs, wishes and motivations to build empathetic relationships by tailoring every interaction to a specific person. Since we offer added value in endless scenarios involving human-machine interaction, we had to gradually develop our business and offering focus and came up with a strategy that is tuned to customers, geos and use cases in which our technology makes a substantial impact. EmpathAI™ adds value to human- machine interactions in almost any industry and has set its initial strategic focus on Finance, Healthcare E-Commerce and HR verticals. In conversation with Yoram Kraus CEO and Founder of INFI One of the biggest challenges of AI companies today is to teach the machine on how to extract insights from big data so that they can provide better services to their users. Recent machine-learning methods group individuals by market segments and ‘tribes’, which provide an understanding of WHAT certain groups of people might need, based on past actions and behavioral patterns. However, these tools have reached a glass ceiling since the implemented methodology is missing the understanding of WHY an individual acts in a certain way. With INFI’s proprietary algorithms, we were able to break the code of the missing piece by implementing another dimension of personality understanding which makes all the difference. Can you tell us about your company in a nutshell? INFI has developed a set of algorithms that can reflect an individual’s personality in the digital world. This enables us to reflect preferences and desires within minutes across digital and physical platforms, which when converted to real data allows our customers to gain an ongoing understanding of the personalities and motivations of their customers and patients, utilized to improve business performance and customer/patient interaction. Yoram Kraus, Founder & CEO “INFI brings the human touch into the digital world.”

  47. “Earning trust and loyalty of consumers all around the world is through consistent focus on delivering high quality in all of our actions,” how do you interpret this statement? INFI’s methodologies are innovative and have never been done before. INFI offers its customers with a sophisticated solution that enriches the way brands ‘welcome’ their clients within their platforms, adding a brand new capability–A personal human touch that is now altering the equation to a point where services on digital platforms will provide us a realistic experience of being assisted by a human as if they were standing right next to us. The essence of INFI’s added value is creating an individualized based roadmap leading to a meeting point where reality and the digital spheres become one only to create a natural, flowing experience to each and every one of us. What do you feel are the reasons behind your company’s growth? We are building INFI strategically to grow globally with powerful investors, partnerships and clients, that share our vision. I am proud to say that I am leading the company together with our strong and unique management towards making an incredible impact. I strongly believe that all of us,united, will make a positive impact on the lives of many and create a better world for the next generations. guide patients, on how to treat illnesses and suggest illness specific wellness programs tailored to each patient’s makeup when needed, ensuring they are fully being taken care of. INFI’s proactive and reactive applications are able to approach in a personalized manner each and every patient and provide them with the motivation to adhere to a doctor’s patient specific treatment recommendations. This With so much promise behind this, INFI is destined to revolutionize the entire medical system. Saving lives,improving the patient’s quality of life and their surroundings, providing real-time support, reducing loss of precious time and costs to the healthcare system, allowing medical service providers to manage their resources effectively. INFI’s will impact on our daily lives, as individuals as well as communities, by launching an empathic AI approach that improves our lives in every aspect. From being able to conduct ourselves better financially,all the way to improving our health, wellness and even education. The INFI era is about to start. These are fascinating times for INFI, and we believe that the same goes for humanity as well. INFI generates a win-win situation where both individuals and businesses, will be able to optimize their performances side by side. As a question on sustainability, where do you see your company a couple of years from now? In the past year we have partnered with leading companies around the world with the goal of establishing a footprint across Finance, E-commerce, HR and Healthcare verticals. With 100+ employees today, we expect to double over the next year. As we enter new markets around the world both organically and via strategic partnerships in the UK, USA, India, HK and APAC, Turkey and LATAM, we are seeking to form more partnership opportunities to meet our growth targets. Between ever-increasing market sophistication, needs, and diversified customer base, many business and IT leaders don’t know what they really have— even when they think they do. How do you manage to resist/ serve the needs of a highly volatile market? INFI understood that to be able to provide a real and valuable understanding of individuals it needs to revise the way AI and applied mathematics analyze and react to our behavior on digital platforms. Whereas AI segmentation is based on users’ segmentations and statistical analysis, INFI focuses on the individual’s personality, while maintaining full privacy of the individual. It allows companies to improve their service and sales processes as they launch custom user journeys. We enable leaders to elevate the way they interact with customers and highly impact on the ability to maximize customer lifetime value and level of satisfaction. In Finance, financial officers offering a loan or issuing credit card to an individual without having any credit history available, used to be a daunting task for lenders. With nearly 4B people in the world without access to credit facilities, our personality-based risk assessment establishes a new baseline and helps lenders approve or decline a credit line request, allowing them to provide loans for credible people lacking any credit history. This invaluable data can be used for capturing the true business potential, while reducing rejection rates that may be as high as 85%. INFI has recently started launching its go-to-market strategy, and we are now in the midst of securing a Round D investment at a valuation of $3B with the goal of going public in approximately two years.SR In e-commerce, we can provide insights and action able recommendations to sellers that empower the creation of custom buying journeys. Customers will now only get what they want and need, increasing conversion rates from current 2-5%while dramatically reducing spamming. In Healthcare, a personalized Pocket Doctor, powered by INFI, will help

  48. A Company Focused On Enabling Financial Inclusion in Agriculture In An Era of Climate Change: SatSure Prateep Basu, Co-founder & CEO T warming trend is abnormal because it is the result of human activity. Earth-orbiting satellites and other technological advances have enabled scientists to see the big picture, collecting many different types of information about our planet and its climate on a global scale. This body of data, collected over many years, reveals the signals of a changing climate. hroughout history Earth’s climate has changed significantly, but the modern large area questions in the areas of agriculture, infrastructure, and Climate Action. SatSure has built a technology platform, with products designed at the intersection of the sustainability nexus of food, water, and energy security for the other 3 billion. As the effects of climate change become more prominent with frequent droughts and natural catastrophes, investment in agriculture, infrastructure, energy and associated technologies has to be complemented with investments in the associated financial services and policy making approach that support development of these areas through improved credit flows, risk mitigation strategies and capacity building to handle new technologies. the consensus was that technology capability exists to address structural problems of the society, but it was the business model for which there was no precedent. Almost 9 months were spent by me and Abhishek to gather the pain points of all the stakeholders - farmers, bureaucrats, bankers, insurers, machinery companies, and multilateral agencies, to understand the gaps to be addressed by using the technical expertise which the founding team possessed. Waiting for hours to meet politicians and administrators for a few minutes to understand the policy and administration pain points, traveling to rural areas for interacting with farmers and cooperatives, listening to executives in the high-rise offices of Mumbai about how they tackle the inefficiencies, SatSure’s founders did it all to create good design-to-fit products and build an organization that can create impact at scale that trickles down to the bottom of the pyramid. The combination of advancing climate change and an already- vulnerable industrial system is a “perfect storm” that threatens farmers’ livelihoods and our food supply. The good news is that there are tools in the form of science- based farming practices that can buffer farmers from climate damage and help make their operations more resilient and sustainable for the long term. SatSure is a decision intelligence solutions company based in India, which leverages advances in satellite remote sensing, machine learning and big data analytics to provide answers to Advent of SatSure SatSure’s founding team comprises of four friends with background in space technology and entrepreneurship. Myself and Abhishek Raju built the initial idea of SatSure and were joined by Ishan Tomar and Rashmit Singh Sukhmani as co-founders. Having built their careers at esteemed Indian Space Research Organization, Vision and Growth A remarkable vision of SatSure is to enable financial inclusion 48 DECEMBER 2019

  49. Prateep Basu Co-founder & CEO (India) of SatSure Prateep Basu has extensive experience of 8 years working in the space industry across US, Europe and India. Prateep started his career at Indian Space Research Organization (ISRO) as a scientist involved in project management for launch station. Post ISRO, Prateep completed his Master of Science in Space Technology and worked as a consultant at Northern Sky Research for 3 years before starting up SatSure, along with Abhishek Raju, Ishan Tomar, and Rashmit Singh Sukhmani. SatSure leverages advances in satellite remote sensing, machine learning and big data analytics to provide answers to large area questions across multiple domains.” in developing countries using advanced space technology. Hence, SatSure’s focus is to work with organizations like Banks, MFIs, Insurance Companies, and Government organizations to help them run their operations and provide services to the remotest part of the country, effectively and efficiently. However, the transition for clients from initially being unaware of satellites and remote sensing to using the data insights today to drive their operations and key decisions took time. It required educating the clients and the industry about the science behind our technology. SatSure themselves were being continuously educated about the complexity of operations across industries. There are still a few more years for the industry to mature due to human resource and technology constraints. By looking back at their journey, SatSure can undoubtedly claim that it has been fruitful with more positives than negatives, and this wouldn’t have been possible without the continuous support of a few key customers, institutions and people who believed in the technology and the capability of SatSure to deliver, irrespective of being a startup. The mutual exchange of knowledge has been an essential part of SatSure’s growth, and the company tries to follow the same philosophy for every new industry they enter, knowledge exchange helps SatSure build robust products. evolving its products and solutions to stay abreast with the industry requirements. SatSure doesn’t want to be too ahead of the curve, nor fall behind in its innovation quotient. SatSure’s banking product has matured and has users across banks and NBFCs globally. Disaster insurance solutions were initially built for a minimal use case, which found direct application in the 2018’s Kerala floods, which helped the state Government plan evacuations saving many lives. This has been one of the proudest moments for the company. In the coming month, SatSure will be releasing the end-to-end insurance product for agriculture and property and infrastructure. The solution is built, keeping in mind the requirements of insurers and re-insurers in the times of unpredictable weather events. This new launch will be another critical milestone product for the company in the area of infrastructure, diversifying the portfolio in this vertical from the current construction change detection product. SR Impact and future SatSure disrupted the agriculture banking data analytics market by bringing highly accurate and timely assessments made by analyzing alternate datasets such as satellite imagery and weather. However, there were no similar products in the market then, and thereby SatSure adopted a ‘customer-centric’ iterative product development, which required regular feedback from the industry to be able to build products in an agile manner. The same culture is followed internally as well, with feedback from everyone playing a pivotal role in shaping the products, business, and SatSure’s growth. SatSure has been continuously 49 DECEMBER 2019

  50. World Leader In Computer Vision Solutions For Retail:TRAX “Understand how your products look, perform and compete on the shelf with Trax’s breakthrough computer vision platform.” T 25 Fastest Growing Companies on Deloitte’s Technology Fast 500 list. Trax digitizes the physical world of retail. In 2010 Trax introduced a revolutionary new image recognition technology to the consumer goods industry. Our purpose was twofold – to raise awareness of the significance and value of image recognition and to drive greater efficiencies and effectiveness for consumer goods companies. For the first time, sales representatives could receive a detailed product and category information including out-of-shelf, the share of shelf, planogram, pricing and promotional compliance and more, all delivered to their mobile phones within minutes in the store. rax is the world leader in computer vision solutions for retail, ranking in the top market measurement services and data science to unlock revenue opportunities at all points of sale. In addition to mobile phones and tablets, Trax partners with leading innovators of IOT technologies including fixed cameras, robotics, and more, to capture retail reality in-store. shelf, even accounting for stacked items. Data Discovery And Visualization: • Collect everything so that you can dive in anywhere and explore and enrich the data the way you want. • Visualize the data with engaging dashboards for those light bulb moments. THE TECHNOLOGY STACK The Trax technology stack is a cascade of advanced engines working in parallel to go from image to insight in the quickest time. TRAX RETAIL SOLUTIONS Simplify store operations and maximize store productivity to deliver a consistent shopping experience free from preventable shelf issues like out of stocks or misplaced products. Advanced Computer Vision: Core technology powered by neural networks; a game-changing innovation in Computer Vision that excels in detecting objects within shelf images, and classifying these images with unparalleled accuracy. Trax for Store Operations: • Improve store productivity: Improve store productivity by automating in-store execution. • Increase store sales: Increase store sales with improved replenishment and reduced out-of-stocks. • Drive consistent shopping experience: Drive consistent shopping experience with right product placement, promotions, and price. Today, Trax is the global leader in computer vision solutions for CPGs and Retailers, ranking in the top 25 Fastest Growing Companies on Deloitte's Technology Fast 500 list. The Trax platform enables tighter execution controls in- store and the ability to leverage competitive insights through their in-store execution tools, Store Digitization: Our experts have developed a system that uses geometric techniques to account for the angle and distance from the shelf from which the photo was taken. This results in a digital coordinate database that captures spatial details like the size and location of each product on every 50 DECEMBER 2019

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