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January 2020

Top 5 Digital Transformation Trends in Retail Industry to Watch Out in 2020
Top 5 Digital Transformation Trends in Retail Industry to Watch Out in 2020 Raju G

The retail industry is today, one of the most vibrant industries pushing for innovation backed with considerable investment in e-commerce, mobile and supply chain technologies. Digital transformation trends in retail are going beyond a single technology, entailing a complete overhaul of the retail ecosystem – from staff and technologies to processes and suppliers.

While the challenges are many, digital transformation in retail promises to be an exciting journey worth taking as the trends show.

5 Technology Innovations Shaping Digital Transformation in Retail

Augmented and Virtual Realities

Augmented reality(AR) refers to computer generated imagery that can be manipulated by the user. As a result of this digital transformation concept, customers can design how their kitchens or living rooms  and even include virtual appliances and fixtures using a touchscreen.

A report from Gartner states that about a 100 million customers are set to engage in shopping experiences involving AR. Though AR has been around for a while it is now gaining maturity with several retailers embracing the trend. Quite a few clothing brands such as Uniqlo, Lacoste and American Apparel have opened virtual showrooms and fitting rooms to allow customers to try on their outfits in virtual spaces. Retailers who deal with bulkier goods such as furniture allow customers to get a visual representation of how an item would look in their homes. Brands like IKEA and Anthropologie now thrive on AR to maintain brand loyalty. As per the study conducted by Retail Perceptions, 71% of the respondents would be more interested in shopping with a retailer that provides AR based try-before-you buy options.

Virtual Reality(VR) creates a simulated environment that makes it different from AR. Instead of viewing a screen in front of them, users are immersed in the scene and interact with 3D worlds. VR is finally coming out of the gaming world and is being used to create virtual reality tours for customers. Making this the medium of their digital transformation are retailers like Alibaba, Ikea, Tesco, Cisco and Adidas. They have created some form of VR tours that take you through store aisles, provide 360 degree product views and gives details like processing and purchase options.

Product Customization 

Digital transformation in retail is helping companies make their customers feel special by way of customization. Product customization combines different forms of on-demand manufacturing technology to meet the need for personalized shopping experiences of customers. Retailers such as Eloquii and Adidas have long since been experimenting with on demand 3D printed apparel. Companies such as On Point Manufacturing have now enabled the production process wherein shoppers can obtain apparels fit and size combinations not commonly found in stores. Their factory at Alabama does exactly this-manufacturing apparel based on unique size patterns. Levi’s offers its customers the option of personalized embroidery on their jeans and denim jackets while NikeId lets shoppers to completely personalize their sneakers for an unique experience. Other brands such as Lot Stock & Barrel and Atelier and Repairs, both clothing retailers are also  thriving on the customization approach.

Apart from clothing brands, there are other retail brands too who have chosen product customization as their digital transformation strategy.  Nutella, a well-known brand for chocolate spread has added customization to their marketing strategy where the customer can add their name to the jar. Nissan, a popular automobile brand has introduced the option for buyers to select engine model, interior and exterior vehicle color, and so on

QR Code

Improving retail customer experience while changing the system overall is the prime focus of digital transformation and the QR code is yet another enabler.

The Quick Response or QR code as it is popularly referred to is a 2 dimensional square shaped barcode that can be scanned to retrieve information by a cell phone. As compared to a standard barcode, they can store much more data, URL links, geo coordinates and texts. 60% retail shoppers make it a point to scan the QR codes to access more product information today.

Walmart’s new mobile app features allows customers to scan QR codes while shopping and skip lines by paying with the app anytime. Amazon another ecommerce giant has now moved from the brick and mortar space to a seamless shopping experience with the help of these QR codes. The QR codes for wine bottles are incorporating wine’s origins and even suggest food pairings through QR codes.

Clothing retailers too have joined the fray by providing information about their Company, alternate sizes and colors options and manufacturing information. Zara is a leading example.

QR codes are improving not just retail goods but experiences and services too thus bringing digital transformation to other aspects.

Digital Labels 

A digital price tag is a simple piece of technology that has almost single handedly transformed the retail logistics space in many ways. The physical labor involved in attaching price tags to individual items and maintaining a list of the stock left is a herculean task. With the emergence of the digital price tags the physical strain on retail teams has come down significantly. The digital shelf labels provide an in-stock status which helps the sales staff steer customers in the right direction or give further advice based on the need. 

Leading departmental store, Noordwijk, employs digital labels through the men’s and ladies fashion sections in order to drive sales and enhance profits. The labels give information about the price, any offers/discounts at the current time, happy hour, flash sales and stock position.

Amazon and Best Buy have centered themselves around the utilization of  digital labels. The goal here in both cases is to borrow the online experience and create the ultimate shopping experience in-store.

US grocery chain Kroger, has introduced digital labels across several of their stores thereby making it convenient to digitally display price and nutritional information instantly and remotely.

Voice Based and Visual Search 

Voice based search has taken off in recent years, especially as a function on app-enabled smart phones. The in-voice activated systems have gained momentum by companies like Amazon and Google, leaders of digital transformation with their Alexa and Google Home products. Sonos and Apple are driving innovation in this field too. Retailers such as Dunkin Donuts, 1-800 Flowers, Dominos and Starbucks have created Skills for Amazon’s Alexa that let consumers order items on Echo and other Amazon based devices. Voice based technology has received an impetus since consumers can shop while doing household chores, driving or on the go too. \

Visual search on the other hand is a retail trend that allows shoppers to find and buy a product just by snapping a photo of the product. Google, Target, IKEA, Tommy Hilfiger, Forever 21, Property Guru and ASOS are some of the companies that use visual search technology.

With a customer first approach, digital transformation in retail has risen the shopping experience of customers in unfathomable ways. The motivational factors for customers remain the same, goods at a reasonable price, available as soon as possible and for many even delivery to their doorstep. Digital transformation solutions in retail are constantly improving all these factors to make shopping a more appealing experience than ever before. The lines between digital and physical retail experience will soon be history thanks to digital transformation happening across the retail industry.

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Why Progressive Web Apps are slowly replacing native apps?
Why Progressive Web Apps are slowly replacing native apps? Raju G

When mobile apps first launched, they were the next big technological invention to further strengthen digital convenience. Now, these apps are downloadable on mobile devices and can be used offline with an improved user experience which mobile websites could not provide.

However, currently, users are facing the limitations of native apps. Users have to go to the app store every time to download an app, this creates pressure on the device’s memory and utilizes loads of data. According to ComScore’s most recent U.S. Mobile Apps Report, consumers are not enjoying the process of downloading apps from an app store, reports indicate that the average consumer downloads zero apps per month.

This is the reason why smart companies are shifting towards a new approach of app development that provides far better solutions to the above difficulties. Termed as Progressive Web Apps (PWAs), this is a newly designed technology which easily performs very smoothly on major platforms, so consumers are now independent to downloadable process.

Why users are comfortable with PWAs

At the fundamental level, a PWA is a mobile app that can work almost on every platform. It is independent of the downloadable process. In the background it is enabled with Java-Scripted service workers hence it is able to perform smoothly. PWAs carry out equivalent performance to native apps—enabled with push notifications, GPS services, auto-updates, a secure connection delivered through the web. But PWAs are much more advanced than the general mobile websites. A native app can only be downloadable through the app store and seek several access permissions, a PWA can be used just like a webpage—with a single tap.

As PWAs are dependent on JavaScript, Progressive web apps can perform on any machine or browser framework. Users can retrieve progressive apps on the mobile’s or tab’s home screen, but behind the curtains, their fundamental performances are very similar to bookmarking a website.

According to Gartner, users are extremely satisfied by the number of apps currently they have and their interest to download a new app has reduced significantly. It’s also been predicted that by 2020, PWAs will take over nearly half of the native app market, As more organizations are switching to PWAs, the ones who don’t transform into it will fall far behind in the business race.

Opportunity for developers

Currently, progressive apps are moving ahead of the web, designing an effective PWA is easier. A survey reported that out of 100, nearly 1% of PWA’s score greater or equal to 55. Hence it is an endless opportunity for both designers and developers to make an impact for themselves by creating the best PWA experience. With the implementation of easier tools, the entire development process for PWA can be made easier.

Key pain points that companies face:

Website– Each and every browser-type enabled with different features and advantages, to create and design a website adaptable with all browsers, the development cycle and deriving insights from user experiences had to be lowered to the least similar denominator, making the development process of better user experience is difficult.

Native app– Native apps need constant connectivity to the internet, either wifi or mobile data; making any app-level change requires a new push of the apps on the store, which is a slow process and then customers had to install (or reinstall) the app, causing an unwanted repetitive experience to app developers.

To reduce these issues, many designer tools help users to design a Progressive Web App that enables customers to view high-quality images and videos at a faster pace, retaining these in the background for accessing while in offline mode. Most of the developers are unsatisfied as they need to design separate apps for different platforms like tabs, desktop, and mobile devices. Using advanced tools and solutions, users can design one app that can be accessed across all platforms.


It is obvious that businesses will continue to have the requirement for Native Apps to provide outstanding user experiences, Progressive Web Apps is going to be the best option for organizations as it relentlessly helps in improving user engagement. This can be done by connecting to an additional PWA channel or by advancing their present web applications to PWAs. The three important app platforms—Apple, Google, and Microsoft—are all pushing PWAs. Most of the developers have started believing that in the coming days the implementation of PWA will become very regular, as a result, the rate of PWA adoption is sky-touching.

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Three most common roadblocks in a retailer’s digital journey
Three most common roadblocks in a retailer’s digital journey Raju G

Currently, consumers get more attracted towards recent and advanced technological and digital innovation like real-time personalization, product suggestions, advanced loyalty programs, in-store customization, swift order, and delivery, hence retailers were forced to adapt and implement advanced digital solutions to reach out the demands of the customers.

The integration of retail and digital technology not only strengthens customer success but also improves employee engagement and revenue generations. So, retailers nowadays need to implement digital technology to a great extent to improve sales. So, the success in the retail digital market is not dependent on the product itself but the buying journey of customers.

eMarketer predicted that by 2020 the retail sales will touch the revenue around $4.058 trillion, which is almost 14.6% of total retail spending.

Now the advancement in the retail sectors is in the vital stage, it seems a favorable time to question the impact of current retail strategies in the future. With Amazon ranking as the fifth largest retailer in the UK, it would be quite easy to predict that consumers are more attracted to a more convenient and technological approach.

Barriers to the digital transformation

Recently there is an article on Forbes which stated that, currently traditional retailers need to shift from the traditional module of business that is buying low quantity and selling in large scale and optimizing everything in between towards a ‘digital value chain’ that integrates ‘accumulating data (about products, consumers, and geo locations), turning that data into insights, and then turning those insights into action.’ The author goes on to suggest three barriers to full digital transformation:

Hesitations to adopt digital change: Some retailers are determined to preserve their old organizational structures against major digital transformation that they gloss over, inefficient technology, and contradictory incentives that have different parts of the business working at cross-purposes’.

Deficient use of data: There is no structured approach to store and maintain data in the retail sector, nor any fixed procedures to manage the information which can be converted into meaningful insights and results to planned executions. Retail Brands can be guilty of depending on hypothetical prediction, out-of-date data, very limited insights, and failing to implement advanced technological solutions also retail tend to invest less in the technology that can fetch the meaningful data they need.

Neglecting the impact of technology: Lack of digital transformation and without sufficient investment, Implementation of IT methodology will not able to meet the fast pace of requirements of today’s retail transformation market. Different teams might bring or design their own technological solutions – but this results in a lack of integration and communications between the teams and very few meaningful insights will be generated.


Various news of retail causalities are popping out these days, with the right investment and improved executions of plans across the organization, there is a very strong reason to believe physical stores will not only survive but also deliver real value and in the long run, it will defend the brand’s future.

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Top 4 ways VR is Improving Healthcare
Top 4 ways VR is Improving Healthcare Raju G

Most of us think that Virtual Reality (VR), is only utilized in the entertainment genre. Along with the gaming industry currently, VR is playing a significant role in the medical field, below mentioned are some of the crucial contributions of VR solutions which are transforming the healthcare industry rapidly.

Advancing Autism Therapy

According to Central for disease control and prevention (CDC), Less than 2% of the world population is suffering from autism spectrum disorder. Nearly about 3.5 million Americans are affected by this disease. Currently, there is no cure. However, proper and advanced language and speech therapy can help to enhance the person’s communication abilities and social interactions. As of now, autism therapy involves in-person sessions with the doctor. Many startups are implementing virtual reality to improve the therapy and making it simple so it is convenient for parents to support their offspring from home. VR products can be used in any platform like mobile or pc and can boost social communications with autistic children by encouraging virtual characters in a scene. So, instead of looking at toys on a table, children under the treatment can see a lion in a virtual safari park. So far, the product seems to have a particularly calming effect on children.

Reducing Chronic Pain

Around 30 million Americans are suffering from chronic pain, in which nearly 90% of them are depending on painkillers and other sorts of medication to cope up with the pain. VR can be one of the ways to reduce this pain, as it has been recently discovered that virtual therapy can help reduce pain more than 25%.

It has been proved that virtual reality therapy can block the particular function of the brain from processing pain and can significantly lower the pain in patients. Thus, it reduces the time span patient’s duration in the hospital, which, drastically reduces the medical costs.

Restoring Low Vision

Low vision is a specific type of visual impairment that has affected more than 150 million people globally. It can be both age-related (45 percent of all low-vision cases) and can be caused by an eye-affecting injury, disorder, or disease (i.e. diabetes). Low vision cannot be rectified by surgical methods, medicine or glasses and it drastically damages the patient’s ability to perform day to day activities.

Until now, there was no effective cure for this, the patient had no other choice but to just accept and spend their life with it. Various companies have come with advanced VR solution products which will help the low vision patient to their sight via a VR experience. Recently an experiment at the University of California worked on providing patients with a way to zoom in desired objects in the visual scene also having a complete awareness of surroundings.

Boosting up the recovery process post-traumatic strokes

It is globally realized that until the last decade a patient who survived a stroke initiates rehabilitation, Recently, VR apps enable patients to practice how to move their fingers or lift their arms in a fun fashion with the help of VR technology. Although in reality patients do not carry out the movement, their attention, motivation, and engagement subsequently improved with audio-visual feedback, which could result in speedy recovery of traumatized nervous systems.


From autism and low eye vision to chronic pain, Virtual Reality’s crucial contributions in the healthcare industry are enough to prove that VR will play a critical role in the coming decades. Moreover, it provides a pocket-friendly and easy way for patients to improve their health conditions and regain the stability they have lost due to some accident or other health-related issues.

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Top three best practices for Banking and Financial Institutions across their digital transformation journey
Top three best practices for Banking and Financial Institutions across their digital transformation journey Raju G

Digital transformation is all about providing little extra benefits on online and mobility platforms. The classical banking approach needs to integrate digital speed and ease with human interference that is both practically accepted and aiding at important times in the customer success roadmap. Eight out of ten financial institutions accept that the implication of advanced digital technology will profoundly change the banking industry and will completely change the domain’s competitive scenario.

To create a flawless strategy on digital transformation, banks and financial institutions needs to consider the following best practices across the digital transformation journey:

Improving the customer success procedures

The road of customer journey currently getting much advanced. Banking and financial institutions need to identify what is crucial in the customer journey — which is going to make a remarkable difference and will create a major impact between contrasting consumer segments — and then work continuously to improve the consumer experience.

A digitized environment is not only implemented to fetch happiness to consumers, it also provides open hands to employees for more important tasks like cross-selling and maintaining a relationship while simultaneously lowering the operation cost by smoothing processes. Even changing just a few processes can create a major impact. According, to BCG one large bank modified its credit lending process and reduced the timeframe from application to funding in half, saving 30% in costs related with the procedure. Another bank tackling the same process saved nearly $200 million in tenure of four years.

  1. Implementing Data Analytics

Data analytics emphasize banks to get a better insight into their consumers, determining new and efficient business opportunities and lowering operational costs. Business intelligence and advanced analytics permit financial sectors to flawless predictions in loan defaults or to identify defaulters, consumers who are underpaying the loan etc. The use of granular cluster analysis is a good idea to analyze a consumer product mix and average for that consumer type and using these derived insights helps the sales team to pitch the product more efficiently and strengthening the relationships.

Banks and financial sectors can implement data mining for better expectations and customer targeting. On the promising side, generating important leads and establishing connections between current and prospective clients. Implementing behavioral analytics to recognize unsatisfied customers and then design separate action plans to retain these consumers.

  1. Redesigning the Operating Model

Consumers now a days want the best of both the segment: a digital outlook when they need pace and benefit and a human affair when they seek support and advice for more complex banking products such as investments or mortgages or trading in stock markets when they have a blockers or issues. BCG suggests that the percentage of customers who want an integrated experience has raised to 43% from 36.8% in 2015.

Banks and credit institutions that integrate human interaction with digital and owned functionality is what BCG terms a bionic network and can anticipate to a 15% growth in revenue, up to a 35% depletion in branch operation costs and up to 15% rise in customer satisfaction.


As the banks and financial sectors are more concerned into digitization, many of them are rather disappointed in the initial results. Implementation is often in a lagging pace than expected. It’s difficult to measure digital approaches across the institution, smaller scale can be efficient in other ways as they have less areas to focus in their organization. Rather than start on a large-scale, stretching digital transformation, opting the fast hits to initiate momentum and to gain interest (and funding) high. That’s the method that HSBC adopted.

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Accelerating Digital Transformation in Retail Industry
Accelerating Digital Transformation in Retail Industry Raju G

Accelerating Digital Transformation in Retail Industry

In the present time, it is fair to tell that Digital Transformation in the Retail industry is constantly accelerating the technological growth in the retail segment. In its peak, using digital technologies to create game-changing business innovations that disrupt existing industries or create whole new ones, it transformed the economics of the impacted industry in radical ways.

Digital Transformation in Real

Ironically, this is actually the game of big and medium players of Retail segment. For example, Amazon Go who has a unique concept – a store set up with cameras and sensors that track a shopper’s every move. It is clear that Amazon Go is not about the ROI of a cashier-less store. Proper training is given to the AI involved to identify specific shopper or consumer behaviors.

In this process of accelerating digital transformation in retail a large amount of data gathered. Each move of the shopper. Every product or item they picked up and then dropped in a bag. Every label read and product replaced on the shelf. But it is also an enormous amount of data about the blackest box in retail today: the store. One thing I’ve learned in my own travels is that innovative retailers do not define ROI in terms of optimizing processes. Instead, they look for projects that create opportunities to gather data – all kinds of data, including the expected and the unexpected.

So in order to identify the correct ways of accelerating digital transformation in retail, it is required to understand why Retailers fail at making this transition.

  • One, they try to save their existing organizational structure from radical change. These are the people who veneer their awful processes, inflexible technology, and competing/contradictory incentives that have different parts of the business working at cross-purposes. They’re able to make some progress once, and one time only, because they didn’t put in the flexible business processes that let them continue to evolve over time.
  • Two, they don’t develop an insight-driven culture. No unified data strategy. No emphasis on turning data into insights. They continue to rely on corporate myths about what customers really want, about what works (which is based on insights developed twenty years ago), and no single version of the truth to go to in order to fight back against those corporate myths. Fiefdoms prevent assembling one version of the truth across the company. And are enabled by an ROI process that undervalues the contribution of learning something new about customers or creating a new way to engage with customers because no one can speak to how it will explicitly move the needle for the business, either on the revenue side or the cost side. Contrast that with Amazon, which is more willing to invest in new processes or technologies to see what they can learn – to collect the data, and then look for ROI, rather than the other way around. It’s the difference between investing in order to learn where the value is, vs. never investing because the value cannot be predicted in the first place. How will you ever learn what you don’t already know?
  • Three, they don’t care about the advancement of technology as an enabler. Different departments run off and buy their own solutions, because the IT department is so bogged down they face a two-year backlog and very little investment into innovation. This perpetuates the retailer’s challenge in building an insight-driven organization, because these new processes are so detached from the business they can’t connect back into one view of the data. Disconnected processes lead to a fractured view of data, no insights, and no flexible business processes to adapt to take advantage of the next round of insights gained.

Digital transformation in the retail industry is for real. In this current as well as in future scenario Retail as a business can no longer be just about products. It has to be about consumer or customer’s success. Hence, it means that now retailers no longer are going to draw profit by optimizing their product-driven processes.

If retailers are going to change their focus from product to customer, they must achieve the milestone of shifting the entire process from efficiency to flexibility, from implementing optimization to inspiration. The profit to be made will come from the volume of customer insights a company can produce and how quickly they can arrange those insights into act, not from how soon they can shift product. It is evident that accelerating digital transformation in retail can’t be achieved by following existing organizations, processes, or even technology investments.

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Digital transformation in 2020: 7 predictions for enterprise adoption
Digital transformation in 2020: 7 predictions for enterprise adoption Raju G

Digital transformation in 2020

7 predictions for enterprise adoption

From the past decade, prediction of next year’s Digital Transformation service trends had begun to feel a bit monotonous: RPA, cloud computing, the IoT, and AR/VR, It always seemed like the same involvement of technologies being rearranged around the time over and over again. 2020 will be different from that. 2020 will be an impactful year which will bring an all new class of technologies ready to take over the center stage. These are the most 7 significant predictions in digital transformation in the year 2020

5G technology

5G will reach to its advanced state in the year of 2020. With some of the biggest companies in telecommunications, like Qualcomm, Verizon, Nokia, Ericsson and Huawei making sure that the deployment of global 5G remains on advancing track. 5G will hit the ground running in 2020. 5g will bring faster broadband speeds and more reliable mobile networks, the proliferation of 5G will also increase the pace of advancements in building smart city, designing smart automobile, developing smarter manufacturing processes, and advanced IoT-intensive technologies needing for 5G. In other words, the effect of 5G won’t be limited only to will bring the Enterprise digital transformation services that will define 2020.

Advancement of Blockchain technologies

2020 will be the era of digital transformation services for sure as it is predicted that some required applications of blockchain may be seen and its use cases will glorify the usage of blockchain. Amazon Web Services is already in the process to uplift the blockchain technology with their subscription based (Baas) blockchain-as-a-service platform, other global technology giants are also working in this domain, including Apple, Google, Alibaba, Samsung, Microsoft, IBM and more. It can be stated that in the near future blockchain will be implemented in improving and tracking food security and safety, analyzing intellectual property and royalties, and real estate/asset management for instance. 2020 could be the start of the real advancement of Blockchain.

RPA catches a new momentum:

 Robotic Process Automation cannot be considered as a new trend in digital transformation services or Enterprise digital transformation services and is widely considered to be one of the most effective technology, as interest and investments continue to grow, and RPA already showed its advantage, 2020 will be a very big year for RPA as the organizations will increase their investments on this technology, just as 2019 was with money being poured into companies like Automation Anywhere, UiPath and Blue Prism.

Microservices Architectures will be sky-rocketing

According to IDC by 2022, 90% of all the upcoming or future apps will be entirely based on microservices architectures that can upgrade the ability to design, update, debug and can implement third party code if needed. With this, the global Intelligence firm predicted that nearly 35% of the entire production apps will depend on cloud-native. This will lead to the expansion of an advance designed and internally developed app that can grow faster with its business models that current methodologies and development tools allow.

The Expansion of Edge Computing

Edge computing can play a big role in 2020 in Enterprise Digital Transformation, according to IDC by the end of 2022, more than 40% of organizations’ cloud deployment projects or initiatives will include edge computing process and nearly 25% of endpoint devices or gadgets and systems will perform Artificial Intelligence or NLP algorithms efficiently. It can be considered as one of the most important feature for customer success which will eventually lead to 60% of the Business-to- Consumer brands welcoming net promoter score as their primary success metric by the end of 2020.

Autonomous vehicles, smart cities will come into play:

With the current trends in Digital Transformation, it is predicted that the integration of edge compute and 5G will bring this era closer to truly autonomous vehicles, gadgets, drones, and cities in 2020. Tesla, can be termed as the pioneer in bringing this to market, but this isn’t something only Elon Musk is trying to tackle. This is happening through close partnerships between automotive manufacturers and technology makers. Many Automobile giants like ford, Volvo etc. are tying up with tech giants like Intel, dell, Microsoft, QUALCOMM and also companies like Uber is designing their own autonomous fleet and Amazon is looking to deliver products to door via an autonomous drone.

Low-Code Development Continues to Gain Higher Ground

2020 will witness the Enterprise Digital Transformation services in a spectacular growth, it is predicted that the demand for enterprise software seems to increase drastically. And no matter how hard any one try, developers can’t code software quickly enough. This is the reason why more enterprise software needs are being met by low-code development platforms.

According to research from, the global low-code development platform market will grow to about $27 billion by 2022, up from $4 billion in 2017 and at an annual compound growth rate of 44%.

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