MoNimbus Inc., 560 Mission St, 13th floor San Francisco, CA 94105


mobility state of mind image

In an enterprise every function has unique business processes to serve its constituencies. To a great extent these processes have been digitized with back-ends from SAP , Oracle and other vendors.  However with the convergence of mobile, cloud and social, the landscape has changed. With an always connected customer the effort is to stretch the ubiquitous digital business processes at all times, anywhere on any moving device.  It means Mobility stretches through everything.

The online world has spawned a virtual content creation and aggregation boom. Digital marketers flood online channels with YouTube-  how-to videos, Instagram photos, Tweets, Facebook posts, Web pages, graphics, blogs and more.  In turn, consumers rely on Google search to help them sift through the rubble and find nuggets of useful information.

The business world on the other hand has spawned a variety of digital business processes connecting producers, to employees, customers, to partners and to suppliers etc.  A web of front-end and back-end processes connect constituencies and have created vast digital efficiencies.  However, these digital processes serve  a fixed experience on a fixed device for a fixed context. What if the customer is always connected and uses different devices and wants different experiences based on locations and different context. How can these business processes be optimized for different devices and for different experience.  In other words how do you optimized for various channels for the always connected customer.

Getting a handle on Mobility will become more and more important with experience and collaboration expanding beyond a company’s homepage and into social networks. As the digital world converges with the physical one over mobile, cloud and social mobility will be key to setting the dialog with the employee, customer, partner and supplier for any enterprise

Mobility  stretches through everything, workflow, user interface, user experience and social collaboration. It’s a frame of mind best handled through the cloud for e.g. the MoNimbus cloud.

mobility in insurance
Insurance in the Mobile Economy
The economy of today has changed with the convergence of mobile, cloud and social. Convergence of these technologies has sparked and given life to the idea of sharing and on-demand access, anytime and anywhere for a subscription. This is the era of consumer and enterprise mobility. Despite early expectations that current generation would grow up and grow into the same “buy” model consumption patterns as the generation before, there are clear differences that are emerging which point to the opposite.

Two data points to show the differences. Only 66 percent of Americans under the age of 35 own cars—that’s down from 73 percent in 2007. The average car owner’s vehicle sits idle for 22 hours per day. In the face of lower wages and high student debt, it’s not surprising that with convergence of technologies are allowing the current generation to share, rather than own.

Some are of the opinion that current generation will eventually buy cars and homes, just as their parents did. Only time will tell. In the interim, the sharing economy continues to grow—and savvy insurers have to take the opportunity to innovate and play a role in the sharing economy opposed to their leadership in a ownership economy. Property and General insurers have to change business processes have to fit the new share and on -demand model.

Consider some of the numbers associated with the sharing economy:
 In 2014, the global market for shared goods and services was worth an estimated $3.5 billion.
 In the United States, there are an estimated 80 million users who are sharing opposed to buying.
 The top 100 Airbnb hosts have grossed $54 million over the past three years.
 Avis paid $500 million to acquire car-sharing service Zipcar.

How to Energize the Insurance industry with Mobility at the core of Business Processes

In the sharing economy, access trumps ownership. That paradigm shift poses both opportunity and challenge for insurers. Innovative insurers will redefine risk and connect with a wider customer base—driving long-term growth and profitability.
The sharing economy brings people together through mobile, cloud and social to exchange or rent access to goods and services. Entrepreneurs are building this economy by leveraging emerging digital technologies on mobile and cloud to meet customer needs in new and disruptive ways. “Forbes” predicts that the global sharing economy will grow by 25 percent in 2014, reaching just over $3.5 billion.

The sharing economy is forcing insurers to rethink all aspects of their business including product design, and channel strategies. Establishing a leadership position in this space early in its development could be a source of significant, long-term competitive advantage. Leadership in this economy requires embrace of converging technologies such as mobile, cloud and social collaboration. Access over multiple channels to an always connected customer is important. It is even more important for property and insurance companies to provide insurance for that access through multiple different models.
This is where MoNimbus can be of assistance. Most insurers are well established and users of the web. However have been slow to move to cloud, mobile and social. However now they can move by using a cloud platform.

MoNimbus, a cloud based middleware can transform existing business applications to embrace mobile, cloud and social faster, better and cheaper. It can be appealing to an industry that has to catch up fast to this shared and on-demand economy. Further if the cloud platform can allow the users to change and modify for an unique optimized experience on any device at any time is further appealing.

Enterprise mobility is fast catching with enterprises. It means access to enterprise data and workflow any time, any where, and on any device. The first step is to secure the device with some form of EMM (enterprise mobility Management) software from vendors like Airwatch, Mobile Iron, Citrix etc. This means the device is authenticated to access enterprise portal. It does not mean the business process or app is conditioned to run on the device to any tolerance. The traditional approach is to create mobile apps for every business process as a thick client on a device, and when authenticated allowing the access to data.

This is an expensive process. Monimbus does a different approach – a cloud based middleware that transforms the business solution in real time to allow the transformation of the business process to a rich mobile experience. This involves moving data and business process to cloud. Though not cached, enterprises are cautious about movement of workflow and data to public cloud. To satisfy them MoNimbus implements two factor authentication using ( ) which authenticates the authorized user of the application as the first gate, before authenticating the app user name and password. Added with MoNimbus implementation of Single sign-on, it allows for a very secure approach to a complete tunnel between device and enterprise portal.

Customers from all verticals such as finance, manufacturing, healthcare, media are finding two factor authentication together with EMM embedded in MoNimbus security stack as a route to secure enterprise mobility.

enterprise mobility in healthcare
Enterprise Mobility is well on its way establishing a new frontier in the way businesses connect and engage with customers, employees and partners. The interesting observation that can be made on the march of mobility within enterprises is the unique way each and every industry is evolving to leverage it. The advantage is in optimizing business processes in each vertical sector, to improve the mobile experience of an always connected customer who can interact with multiple channels.

Enterprise Mobility in Healthcare Vertical
Let us see how this is evolving in healthcare. For e.g. in health care increased visibility and availability of value added software on smart-phone platforms will lead to more sophisticated medical health monitoring products and services like pulse oximeters, sleep apnea monitors etc.

Apple and Samsung have released open APIs to make it easier for digital value added products in health-care for tracking, monitoring, responding etc. They can push the global health care hardware market to hit $3+ billion by 2019. Digital health solutions like electronic health records and remote patient monitoring will be more of a priority as IT professionals help to reshape how companies approach health care for tomorrow’s aging and sick populations.

Mobility influence is part of an evolution where devices are interacting with other devices. Doctors can do things like monitor patients through digitized health tools, such as pacemakers, from a long distance. It is a concept that can be applied basically to every industry. There is the need to send, receive, gather, analyze and respond to inputs from any connected device immediately.
Much like the health-care field, there are vast opportunities to increase productivity, accuracy and flexibility with enterprise mobility. With the need for increased productivity and innovation, a move toward enterprise mobility seems to be a no-brainer. However, the right tools and infrastructure need to be part of that move.


MoNimbus team completes QA of platform and all applications. Congratulations. Featured in the picture are Hassan Dinesh Mohan and Elena Basistia. Thank you to other team members who have worked diligently on this project Alex Makarenko, Sri Edara and Mariya Popova.

enterprise mobility pic 1
As enterprise mobility gets to be a hot topic within enterprise IT, it is time to think of steps towards a positive outcome as enterprises approach it. Working with your clients we see 3 steps to take towards successful implementations.

First step, is to identify business driven use cases.
The key driver of any mobile strategy starts with identifying the business processes that support business-level goals, and that can be tied to business impact. While it’s easy to skip this stage and head straight down to the architecture or device path, taking a good look at the key business processes and interactions with users is critical to achieving impact. One of the easiest ways to identify the moments of value within business processes is by physically spending time with employees as they go about daily tasks to identify the barriers and gaps in their process. For e.g.
• How do field sales reps go about identifying and selling to anew prospect
• How do service agents map their daily routes?
• How do field agents receive notifications around a schedule change?
Once specific uses cases have been identified the next step is to prioritize them as to where there will be immediate and measurable gains.

Second Step is to decide on data sources
Great mobile initiatives are only as good as the data behind them. Enabling all constituencies with relevant data should be the backbone of mobile strategy. Data can be from many sources not just from the data base of the relevant core business application. It could be from social networks, could be from collaborative networks, it could be from cloud store Box, Google etc. One has to identify and aggregate the channels of data for the mobile application that can be brought to converge.

Third step is to decide on Mobile architecture and user experience
In a recent survey by The Economist, 54% of global executives interviewed stated that “mobile apps are critical.” However, only 20% actually have apps deployed. This “app gap” reinforces the notion that delivering mobile initiatives is not easy. One has to decide on mobile development architecture. Is it using costly productivity tools or a SaaS cloud stack to enable the transformation of applications in real time, optimizing workflow and data in real time depending on the device with zero or no coding. In addition to architecture a comprehensive mobile delivery strategy is made up of intelligent experiences for users. In fact it can be argued that user experience is key to mobile usage. Next generation mobile application experience means the app is intelligent, resilient, anticipatory in suggesting events, suggesting actions based on context, location etc. The workflow needs to be optimized for use at different locations, context and intuitive and constantly evolving on any device, anytime, anywhere.

Enterprise Mobility and Cloud Migration can go hand in handConvergence of mobile, cloud and social is the perfect storm for Enterprises and Enterprise IT. Businesses need to prepare for Migration of Enterprise Applications to the cloud and mobile. A cloud can provide IT infrastructure services such as servers, storage, network and network services on a Infrastructure as a service model (IaaS) or application deployment platform on a Platform as a Service (PaaS) or software applications on a subscription model or Software as a Service (SaaS) model.

Service providers who excelled at provisioning, managing and scaling services for multiple customers are providing IaaS and PaaS offerings. So also there are many ISVs in the market with SaaS offerings. What is necessary is a cloud based offering, that allows for the migration of enterprise apps to cloud and mobile in a SaaS model.
Emerging vendors like MoNimbus are offering a new route to convergence with enterprise applications being migrated to mobile and cloud using a SaaS model. Whether a private cloud or public cloud, enterprises first must consider which of their apps should move to cloud, and which of their apps should move to mobile. They can then try a one stop approach using a cloud based middleware to transform their enterprise apps to mobile, cloud and social.

extending salesforceSalesforce is the most widely used CRM. However, the shift to mobile is changing the goalposts for sales as a business function.
Data is a key piece of the change since an application is only as good as the data that goes into it. A more important piece of the application is workflow and user experience. Sales executives require a platform that marries a powerful data repository with an optimized workflow and an experience they love.
The Economist found that 33 percent of global executives plan to invest heavily in mobilizing business applications over the next three years. Only 15 percent of these executives have actually invested at this point. The top most priority for executives is to bring the convenience and productivity of mobile to sales business function and especially the users of Salesforce.
They want to use it on devices of their choice. fones, pads, iOS, Android etc. They wish to shape and integrate other apps as they see fit to conduct business. Successful reps use LinkedIn, Twitter to identify decision-makers; tools like outlook, Gmail, storage like Box, Google drive and other online services and solutions as they see fit to do business. A typical rep uses a dozen apps to manage the pipeline. They use these tools to be more productive, but without integration they access the apps individually away from the core app like Salesforce. Traditionally the core business application like Salesforce would require integration with the complementary apps. .Is there a better way to do this?
Sure there is. The answer is a cloud based approach with a middleware that reduces the complexity of moving Salesforce to mobile and allows the user to shape the experience. All of this if it can be done in real time with higher order of experience, it can result in a better, faster and cheaper solution. It can accelerate the mobile enterprise.

In a perfect world a company IT professionals would provide employees with the best tools to enable them to do their job. They would pay attention to workers’ needs and give them the technology that best fits their needs. Unfortunately, this scenario is far from reality. According to a survey provided by TrackVia, 76% of ITs say they realize that the enterprise technology tools they deliver are outdated and don’t meet employees’ needs. Furthermore, most IT professionals say that they don’t even expect workers to use only IT approved devices and apps. This means that they have accepted the fact that employees bring applications that might pose a huge security threat to the company.
The reason, of course, is money. 40% of the respondents in the survey believe that the company they work for doesn’t have the budget to provide its employees with the right technology tools. And the tools that are provided are not the ones that employees want. In addition, 33% of the respondents believe that the technology tools provided by their company are outdated. With the BYOD trend, employees want to be able to do more work on their mobile devices.
According to Gartner, one in four companies will have adopted an app store by 2017. This means that ITs must know that they can’t postpone updating their technology for a lot longer. It is true that building company-specific applications might be very costly and time-consuming and many IT professionals and CTOs keep postponing the inevitable decision to go mobile because of these very reasons. Using cloud-based platforms is an alternative and cheaper option to mobilize already existing web applications.
With the popularity of mobile devices the demand for enterprise mobility and mobile apps is expected to skyrocket. This means that IT has to reevaluate their priorities and plan company budget around employees’ needs for next generation experience with their applications.

IT leaders experiment

Above and beyond “keeping the wheels moving”, Enterprise CIOs are meeting growing demand for innovation with enterprise mobility.  Decoding IT speak, it means apps for employees, customers and consumers, data for insight and for analysis.

For most Enterprise IT leaders mobile is just another word for an opportunity to accelerate innovation.  It’s a productive route for Enterprise IT leaders to create high-impact projects across the organization that transforms the business to the next level of experience with an always connected anytime , anywhere on any device set of customers, suppliers and partners.

In fact, if IT leaders can make their business solutions do more for their audience.  This in turn can help their constituents do more for their own customers, and therefore enable additional business opportunities for the enterprise.

While mobile technology has advanced, so also use cases have changed with business demands in every vertical sector.  Just as companies moved to open systems from proprietary technologies, to client/server systems, to personal devices, so also companies started recognizing the possibility of connecting to its customers and employees through the mobile cloud.

Most companies are at the infancy of what mobile technology can do for them both internally for their employees and externally with their customers. Companies are realizing how important mobility would be to the future of their business.  The key is to apply mobility to the business context i.e. to the myriad of business processes to create intelligent and optimized business experiences.  It’s not about introducing new devices, what matters most is how a company uses it. A mobile device is very powerful device with incredible capabilities.  So far it has been used for email and calendaring.  Why not take it further and make the user productive with apps for employees, customers, partners and suppliers?

Companies with a philosophy of innovation are seizing the opportunity to support business in ways that they know today, and in ways they haven’t thought of yet.  Companies and people should always seek improvement and enterprise mobility through the cloud is a way to improve business processes.  A long-standing culture of “constructive dissatisfaction,” has to be fired up with continued commitment to investing in technology for innovation.