[Music] welcome back to red hat summit 2021 my name is dave vellante and you're watching the cube where we go out to the events and extract the signal from the noise of course virtually in this case and i'm pleased to welcome victor carumpus who is the senior vice president of digital banking at bank mandiri coming in from jakarta welcome to the cube victor great to see you hi dave great to see you and great to be invited here thank you yeah you're very welcome i i wonder if you could just give us an overview of the bank maybe talk a little bit about your strategy your customers you know what the what the focus is of your company and what your role is there okay uh maybe i'm i'll give a short overview about bang mandir itself so bang money is a state-owned enterprise owned by the government but we also public company currently we already have a very big distribution channel in so uh you know indonesia is an island country it's very huge country so we are we are representing all over indonesia from province of aceh and i'm up to profits of papua and we have about 2600 branches all over indonesia and about uh 15 000 atms all over indonesia so bangladesh itself is focused on a lot of segment customers like indonesia from the corporate side small medium enterprise and also retail banking now uh we are we are currently focused in turning ourselves to become having to have more digital capability and currently in our uh current situations actually it is very good uh about 95 percent of our transactions is already coming from the electronic channel so it's only about five percent that coming from the branches but we know that this is still a journey uh and we are building more digital capability and features and functions on our digital channels to our customer got it um okay and so your your your digital journey kind of coincides i guess in a way with your your your container uh adoption journey uh i think that started a few years ago um and so maybe you could talk a little bit about that i i mean in thinking about modernizing your application portfolio obviously containers been around forever but they weren't packaged in a way that could actually be easily you know utilized and now you're seeing people in i.t roles like yourself really leaning in maybe you could talk about some of the technology considerations that impacted that desire to actually leverage containers i think uh first it's about the scalability because with a monolithic architecture it's kind of difficult to scale up for only specific features by doing container microservices we have options to scale up in a very fast way because one of the features is auto scaling on the container architectures uh one monitor is a very focused on the transaction banking so you might say bangladesh is supporting the economy of the country because in a in any given time in bangladesh we we're running about four thousand transactions per seconds that's a huge transactions number and have having said that uh our channel like i told you already running about 95 percent of the transactions so scalability is always important for us because especially like like now is the the in indonesia is a festive month it's a ramadan month where muslim is actually doing fasting but at the same time actually there's a lot of needs and people do a lot of transactions and on this kind of festive seasons the transition can be increased up to 40 or 50 suddenly and that's kind of things always happen in bangladesh and we must be ready and we must have a scalability on demand now containerization is enabling us to do that other thing is about flexibility because on the old days actually when we want to set up a new environment it's very difficult and takes a lot of time and that's affecting the time to market our products by doing the containerizations and putting it on a ci cd continuous integration called the development plan platform we are we call devsecops platform that kind of things becoming automatic because we set up the devsecos platform and the third one is the consistency actually so by by doing the contact investigations we can put the the apis on our back-end apis in the container itself and actually it's deliverable environment and a consistent experience to our customer because for example we promise our customer that every transaction should be finished within two seconds from their mobile banking up to our hosts and back forward to their mobile banking is only two seconds so that kind of thing is driving us to move to the current technology which we're using containerization and micro services great okay so 4 000 transactions per second you can't can't do that on erc20 ethereum for all you crypto fans out there that's that's pretty high volume uh and if i understand it correctly victor your role is really to envision this digital environment and then ultimately make it happen from a technology standpoint is that correct that's product that's got it yeah so okay so you now have a number of of product lines and teams you're using the same container platform maybe you could share with our audience some of the best practices and learnings that that you've taken away on this journey so i think first of all we can reuse a lot of components by doing this containerization platform is different when we still use the monolithic platform like the application server of java application server uh by using containerization actually uh be providing like a service banking as a service so whenever we build a new channel for example the first one we built a new service for example like a fun transfer service but when we create another channel for example a corporate banking electronic channel or we create another uh let's say wealth management channel whatever we already built before can be reusable instantly by using this technology so uh if i might say that actually there is a lot of best practices coming by using this platform and my team get a lot of benefit in terms of faster development time and also they can deliver the product and service in a high quality manner minimize the number of errors as well you know there's a lot of choices out there obviously i wonder if you could share what led you to the choice of red hat and open shift okay so first of all before we choose the platform actually we also comparing ourselves with the with the fintechs and also with the big tech in indonesia as well so we see we see that actually they already start using kubernetes and uh their platform is quite stable and even they can support about 90 to 100 million of customers without any issues at all so when we see this uh we choose a lot of we learn about a lot of platform and we finally choose opencv because we think that openshift and we we already do our research openshift is quite stable and for banks like us that have for having 4500 transaction per seconds stability is number one uh availability is also number one now uh having said that after doing our research we choose openshift and we implemented openshift in our environment because we promise our customers to provide 99.95 percent uh availability can i just i'm sorry to interrupt you victor can you just repeat that you cut out a little bit so you you said you you promised your customers to deliver and then you cut out a little bit can you just repeat what you just said there okay so we're giving a promise to our to our customer providing a 99.95 availability so this is the starting point of our channel sure in the efficiency we have efficient also to providing four nines which is 99.99 but i mean the starting point is 99.95 and because we have that the demand that requirement that's one of the reason we choose the openshift and red hat as our technology stack platform got it okay and so i have a question um what was it like in terms of just the skills and the adoption uh for your developers uh was it was it a big gap to go from where you were to you know where you are today did you have to what kind of training did you have to do did you have to do any sort of outsourcing to accelerate that maybe you could describe that how you close that skills gap so definitely in the beginning is quite challenging because although they are using modern languages like jaffa or kotlin but uh to understand the concept and to design correctly yes we we did a lot of training to them uh it takes a it takes me about three months to give them the proper training uh in terms of building the right uh microservices platform and also to building modular architecture in terms of the customer channel because this will be the fundamental when you build it correctly in the beginning and actually at the later point you will enjoy the benefit so the first three months actually is training and doing research and development and doing a lot of trial and errors but after the three months actually we already have the right technology stack have the right models and our devsecops is already working then actually after that the speed is very fast because uh it sprints uh we do agile way of working the agiles dlc it's only one month so every one month we already have new features coming in so that's what we call a huge transformation a digital transformation inside of our bank it's three months actually not bad i mean i would i would have thought on average it's going to take five or six months to get people up to speed so three months is pretty good and i'm also inferring that you weren't just paving the cow path you weren't just saying okay let's take our traditional and then you know re refactor it to digital you had to re-envision what digital looked like because the digital is different uh than the traditional uh so so that's actually pretty good uh ramp rate i wonder if you could just go ahead and comment if you could because when you say about uh revamp so actually it's not on the id side not only but also the business side we implement new way as well so actually if clearly they're implementing a new model so they're using a design thinking and also a co-creation model where now when we building a product so we're not writing the old product in a new way no we totally building it from from scratch and involving our key customer and our stakeholder when we're building this product so actually we implementing new models what we call design thinking and also uh co-creation with our customer so that's actually changing the face of the customer electronic channel a lot and and actually when we when we want to to deploy we invite our customer to test it first we call it like usability testing if they like it we continue to design if they they don't like it they give us a feedback how they would like it to be changed and and that's we appreciate our customer feedback because customers experience is everything now yeah so so the product can be accepted if the experience on that product is really making customer uh solving their problem solving the customer problem and making them enjoying uh doing transactions in our mobile banking product i think this is a really important point for people to understand so you weren't just paving the cow path i call it you're taking the old and and just trying to refactor it and make it exactly turn it into digital you had to really think about the business the business processes the dependencies the customer experience and then bring it back um what have been some of the business outcomes of this initiative and maybe you could we then after that we can get into some of the the future plans so so the outcome uh i think this journey uh since last year uh not last year actually since no october 2019 we already started the journey uh what took us by surprise is actually the pandemic uh suddenly the first three months when we have the pandemic of coffee we are being forced to close a lot of branches for temporary because we want to avoid the pandemic situations and that time actually the the demand using our digital channel is increasing a lot but because we already prepared actually we get the benefit one of the thing is uh the business benefit is relating so during the pandemic nobody can come to the branch and mostly the account opening actually happening online so uh we even got about 9000 account opening per day which is something that we are not imagining before so uh the benefit is very clear by using this this technology actually enabling us to provide digital capability for our customer and enabling us to open more accounts we see ourselves can grow even not linear but exponentially grow by using this platform uh talking about that indonesia is a is a huge country with we have about 200 250 million populations and actually there's still a lot of people is not having a bank account at all now by doing this actually we open opportunity doing financial inclusion for those people that need a banking account now they can reach us by using the digital platform as well yeah that's an awesome story and it goes back to the to the reason the real motivator for for moving to kubernetes and containers was scale uh and and you know it's you obviously started your digital journey prior to the pandemic but a lot of customers and i'm sure you as well were were forced to speed up a portion anyway of the digital component uh because of the pandemic like you said you couldn't people couldn't walk into the branches so but now you've got some more time to think about that journey you've had a lot of learnings 2020 was like a petri dish of experimentation but but in real time having to serve customers what's the future look like for the bank's technology journey okay so basically we uh we are not stopping only on the retail side yeah uh we want to redefine our customer journey also on the wholesale side and also on the small medium enterprise there is still a lot of things that need to be done uh and required by the customer actually so uh on the on the on the sme side we want to give them easier access uh for uh financing their businesses i think when we are back to the new normal uh the business need to have funding for for starting their business again so building an sme platform for them will will help a lot and will help the country as well on the retail side actually like i told you uh we are focusing on the more financial inclusion because uh i give you example right uh from the 230 million of indonesians uh populations i think by today maybe it's only about 50 million customers that already have a banking account so there is still a lot of people that need an access faster and cheaper and more efficient way for doing banking transactions so that's this also will become our focus and the last part is actually corporate what we see now a lot of the corporate require us to open uh api connectivity doing open banking with them the government actually the central bank supporting it supporting all the banks they are trying to create an api playbooks now and then they create they want to create an api standard for all the core all the use corporate also can connect it to the bank directly using api so this is also our focus because it will help the country economy when the economy costs the transaction costs getting more efficient getting more cheaper and there's a lot of transaction can be supported by our bank as well so i think i think that's the the future that we are imagining and i'm really hope that the pandemi will be finished and we come back to the to the new normal and we can support more transactions for this country yeah you're here to that i call it the new abnormal but so this is this is a great story everybody loves to talk about disruption we do as well and but people think oh it's out with out with the old in with the new and it's not like that this is a great story victor of uh of an established incumbent that is modernizing its its applications and its digital experience and of course the incumbent has the advantage of it's a real business it has customers that has a data it has experiences it and if it can modernize its infrastructure and and it's in its application portfolio it actually has an advantage because it's got way more features way more data way more customers and more resources so victor thanks so much for coming on thecube i really appreciate you sharing your story thank you dave thank you for inviting me thank you that was our pleasure and thank you for watching red hat summit 21 this is thecube you

>> Announcer: Live from Boston, Massachusetts, it's theCUBE covering Red Hat Summit 2019. Brought to you by Red Hat. >> Welcome back to our coverage here on theCUBE of Red Hat Summit 2019. We're live in Boston right now, and I'm joined by a couple of award winning professionals. And we're looking forward to hearing what their story is because it's fascinating on both fronts. And also by DeLisa Alexander who has a great job title at Red Hat. Chief People Officer. I love that title. DeLisa, thanks for joining us. >> Thanks for having us. >> Also with us, Limor Fried who is the and founder and lead engineer of Adafruit and Saloni Garg who is an undgergrad student, third year student, at the LNM Institute of Technology. And that's in Jaipur, India. So Saloni, glad to have you with us. And Limor, a pleasure as well. >> Thank you. >> And you're all lit up. You've got things going on there, right? >> I'm glowing, we're gonna get all into that. >> We'll get into that later. First, let's talk about the award that, they're two women in open-source are our winners this year. On the community side, Limor won, on the academic side, Saloni won, so talk about the awards if you would, DeLisa. The process and really what you're trying to do with recognizing these kinds of achievements. >> Well, this is our fifth year for the Women in Open-Source Award. So after this period of time, I can tell you what we wanna do is make an impact by really fostering more diverse communities, particularly gender diverse in open-source. And so that's the whole goal. Five years into it, what we've discovered is that when you really focus on diversity and inclusion within a community, you actually can make an impact. And the thing that's so exciting this year is that our award winners are really evidence of that. >> So talk about the two categories then if you would please. You have community on one side, academics on the other. It appears to be pretty clear cut what you're hoping to achieve there by recognizing an active contributor, and then somebody who is in the wings and waiting for their moment. But go ahead and fill in a little bit about, >> Yeah, absolutely. >> Limor and Saloni too about, why are they here. >> Limor: Why am I here? >> Yes, well, really what we're trying to do is create role models for women and girls who would like to participate in technology but perhaps are not sure that that's the way that they can go. And they don't see people that are like them, so there's less a tendency to join into this type of community. So with the community award winner, we're looking at the professional who's been contributing to open-source for a period of time. And with our academic winner, we're looking to score more people who are in university to think about it. And, of course, the big idea is you'll all be looking at these women as people that will inspire you to potentially do more things with open-source and more things with technology. We've been hearing for many, many years that we definitely need to have more gender diversity in tech in general and in open-source. And Red Hat is kind of uniquely situated to focus on the open-source community, and so with our role as the open-source leader, we really feel like we need to make that commitment and to be able to foster that. >> Well, it makes perfect sense. Obviously. Great perfect sense. Saloni, if you would, let's talk first about your work. You've been involved in open-source for quite some time. I know you have a lot of really interesting projects that you're working on right now. We'll get to that in a bit, but just talk about, I guess, the attraction for you in terms of open-source and really kind of where that came from originally through your interest in stem education. >> Okay, so when I first came to college, I was really influenced to contribute to open-source by my seniors. They have already selected in programs like Google Summer of Code Outreach channel, so they actually felt empowered by open-source. So they encouraged me to join it too. I tried open-source, and I feel really, like, I'm a part of something bigger than myself. And I was helped greatly by my seniors, so I feel it's my duty to give it back to my juniors and to help them when they need it so that they can do wonders, yeah. >> Great. And Limor, for you, I know you founded the company. 100% female owned. You've got-- >> Yeah, 100% me. >> Yeah, right. 100% you. >> It's my fault. >> Right. Well, I wasn't going to blame you. I'll credit you instead. >> Yeah, that's our big thing. We wanna change. Get blame to get credit. >> Right. It's all about credit. >> More positive. >> So 100 employees? Is that right? >> 100, 150, yep. >> Okay, talk a little bit about kind of the origin, the genesis of the company and where that came from and then your connection on the open-source side. >> Well, I, yeah, so I grew up actually in Boston. So I've lived here a very long time. >> You said like a block from here. Two blocks. >> I used to live, actually, yes, in South Station nearby. I used to live by the Griffin Book line, and so Wilson has a very strong open-source community, you know. Ephesoft is here. And, yeah, that's kind of the origins of a lot of this free software and open-source software community. And when I went to school, I ended up going to MIT, and the open-source software and open-source technology is kind of part of, like, the genetics there. There's actually this thinking that you wouldn't do it. It's kind of by default. People write code, you open-source, you release it. There's a culture of collaboration. Scientists, engineers, students, researchers. All working together and sharing code. And when I was in school, so I had to take Thesis. I really didn't wanna do it, and so instead, I started building, like, MP3 players and video games. Taking all the engineering that I was studying and, like, not doing the work I was supposed to be doing. But instead, I was having fun and building cool electronic parts, and I would publish these projects online. I had, like, a MediaLab webs page, and I would publish, you know, here's all the chips and the schematics and the layout. And people sort of started coming up with the idea of open-source hardware. Let's take the philosophy of open-source software where we release the source code. But, in here, you release CAD files, firmware, layouts, 3D models. And so I did that, and I was publishing here's how you make this, like, Lite-Brite toy for Burning Man or an MP3 player or a cell phone jammer. All these fun projects, and people would end up contacting me and saying, hey, these are really cool projects. I would like to build this project myself, but unlike software where you just, like, type in, like, make, config, and compile and all that. You actually have to buy parts, you have to get these physical things. And so they said, you know, could you sell me a kit, like a box, where we'd get it and take it home and be able to build it. And I was totally like, no, I'm busy. I have to, like, not write this thesis. >> That's not what I do. >> But eventually, I did write the thesis. And then I was really stuck because I'm like, now what do I do? So I ended up selling kits. So I sold the synthesizer kits and such, and I did an art fellowship and stuff. And then, eventually, I was kind of like, this is, I was doing, you know, it's, you kind of fall into business by accident because if you knew what you were getting into, you wouldn't do it in my opinion. So I ended up sort of developing that, and that was 13 years ago. And now we have 4,000 products in the store, you know. >> 4,000 products? >> Yeah, I know. Ridiculous, right? That's a lot. >> Yeah, who's doing that inventory, right? >> Well, we have a pretty intense inventory system that I'd love to talk to you about, but it's kind of boring. >> I'll bet you do. Now, I was reading something about an circuit playground express. >> Yes. >> Is that right? So is that what this is all about is-- >> Yes! I knew you'd ask, and that's why I wore this. >> So it's a, kind of, an exploratory circuit board of-- >> Yeah! It's open-source, open-source hardware, open-source software and firmware. And we had a lot of parents and teachers and educators and camp counselors come to us and say, we wanna teach physical computing. We wanna teach coding but with physical hardware because, you know, we all, all the tier coders, right? No, I don't know. But, eventually, you're like, I'm typing on the screen. And you want to take that and you wanna make it physical. You wanna bring it out into the world where there's a wearable or a cosplay or assistive technology, or you wanna make video games, that are, like, physical video games. And the problem that teachers had were the classrooms, a lot of these classrooms, they don't have a lot of money. So they said it has to be very low-cost. It has to be durable because these kids are, like, chewing on it and stuff, which is fun. And it also has to work on any computer, even extremely old computers. 'Cause a lot of these schools, they only have a budget every seven years to buy laptops. And so this actually becomes a very difficult technological problem. How do you design something that's $20 but can teach physical computing to anybody? From kids who are not even good at typing all the way to college students who wanna implement fast 48 transforms, and so we designed this hardware. It's open-source, and it's cool 'cause people are, like, remixing it and making improvements to it. It's open-source circuit playground, and I'm wearing it. And it's glowing, and I don't know. It's fun! It's got LEDs and sensors. And you can just alligator clip to it and make projects, and we've got schools from around the world learning how to code. And I think it's a much more fun experience than just typing at a computer. >> Absolutely. Yeah, Solani, on your side of the fence, so I obviously, in your education years if you will, not that we ever stop learning, but formally right now. But you're involved, among the many projects that you've been involved with, a smart vehicle. >> Yeah, I'm working on it. >> Project, right? So tell us a little bit about that and how open-source has come into play with what you're looking at in terms of, I assume, traffic and congestion and flows and those kinds of things. >> Yeah. So what we're working on is, basically, we'll be fitting cameras and Raspberry Pis on buses, college buses. And then they'll detect, like, they'll detect lane detection and traffic signal violation and will report the assigned people. If there's any breakage of law or any breakage of traffic signals, so that's what, basically, we are working on and how open-source comes into the play is that we actually knew nothing about OpenCV and all the technology that is before all this. So I looked up some open-source projects that had already the lump sum of all this, and I got to learn a lot about how things actually work on the code-based side. So that's how open-source actually helped me to make this project. >> And, ultimately, who do you report to on that? Or how is that data gonna become actionable or, I assume it can be. >> Yeah. >> At some point, right? I mean, who's your partner in that? Or who is the agency or the body that, you know, can most benefit from that? >> Yeah, so, currently, this is an academy project, and a classmate of mine has been working with me. And we are working on a faculty member. And so, basically, we have decided to expand this project and to use it as a government project. And we, authorities we'll be reporting to whenever there's a signal or law breakage is that the traffic police department will be notifying them in case of any signal breakage. >> So if there's an uptick in speeding or red light running in Jaipur, we know who to blame. >> Yeah. >> Right? >> Shouldn't have run a report. >> It's, Solani, why'd you do that to them, right? All right, ladies, if you would. And I'm gonna end with DeLisa, but I'd like to hear your thoughts about each other. Just about, as you look at the role of women in tech and the diversity that Red Hat is trying to encourage, Limor, what have you seen in Solani here over the last day, day and a half, that maybe you think will leave a lasting impression on you? >> I love Solani's energy and her passion, and I can just, she's has this emanated strength. I can just tell that nothing stops her from achieving what she wants. Like, she wants to, like, do this Raspberry Pi traffic camera. She's just gonna figure out what it takes to solve that problem. She's gonna use open-source software, hardware, whatever it takes. And she's just gonna achieve her goal. I totally sense that from her from the last few days we've been together. >> That's great. >> Thank you. >> Yeah! >> All right. Solani, your turn. For Limor. >> What I have done is just a fraction of what she has been doing. She's, like, inspiration. I look up to her, and I, also, I mean, I hope I start my own company someday. And she's really a role model and an inspiration for me. So yeah. >> Yeah, I think you've got a pretty good mentor there in that respect. And then, DeLisa, when you see young ladies like this who are, you know, their achievements are so impressive in their respects. What does that say to you about Red Hat, the direction of the program, and then the impact on young women that you're having? >> Well, the program has gotten so much more participation. So many people, 8,000 people actually voted to select our winners. And all of our finalists were so impressive. We have major contributors to open-source, and so, along with our finalists, our winners are people who are just role models. And I am just so impressed with them, and I think that every year, we're learning something different from each of the winners. And so, as they round down into a community, the things that they'll be able to mentor people on will just be exponentially increasing. And so it's really exciting. >> Fantastic. Well, thank you all. The three of you, the ladies. Congratulations on your recognition, your accomplishments. Well done. Safe travels back to New York and back to India as well, and I would look forward to hearing more about what you're up to down the road. I think this is not the last we're gonna hear from the two of you. >> Thank you for having us. >> And thank you for calling me a young lady. >> Absolutely. I mean, look at the source. Open-source, you might say. That was awful. All right, back with more Red Hat Summit 2019. We're live here on theCUBE in Boston. (gentle music)