Mahindra Finance launches a digital first business: Gururaj Rao, VP & CIO, Mahindra & Mahindra Financial Services Group- Tempemail – 10 minute

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The portal launched will have an end to end digital lending model

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Express Computer is one of India’s most respected IT media brands and has been in publication for 24 years running. We cover enterprise technology in all its flavours, including processors, storage, networking, wireless, business applications, cloud computing, analytics, green initiatives and anything that can help companies make the most of their ICT investments. Additionally, we also report on the fast emerging realm of eGovernance in India.

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Muthoot Group receives interest payments worth crores through the mobile and web channel: KNC Nair, Group CIO, Muthoot Group- Tempemail – 10 minute

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The interest payouts done through the web channel is a whooping 100 crores

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Express Computer is one of India’s most respected IT media brands and has been in publication for 24 years running. We cover enterprise technology in all its flavours, including processors, storage, networking, wireless, business applications, cloud computing, analytics, green initiatives and anything that can help companies make the most of their ICT investments. Additionally, we also report on the fast emerging realm of eGovernance in India.

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The post Muthoot Group receives interest payments worth crores through the mobile and web channel: KNC Nair, Group CIO, Muthoot Group- Tempemail appeared first on Blog – Tempemail.co.

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Edelweiss Financial Services to focus on personalised customer solutions in FY 20-21: Nitin Agarwal, President & Group CIO, CTO & CDO, Edelweiss Financial Services- Tempemail – 10 minute

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The personalised solutions will be in the area of micro segmentation, personalisation and process optimisation to enhance customer service

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Express Computer is one of India’s most respected IT media brands and has been in publication for 24 years running. We cover enterprise technology in all its flavours, including processors, storage, networking, wireless, business applications, cloud computing, analytics, green initiatives and anything that can help companies make the most of their ICT investments. Additionally, we also report on the fast emerging realm of eGovernance in India.

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The post Edelweiss Financial Services to focus on personalised customer solutions in FY 20-21: Nitin Agarwal, President & Group CIO, CTO & CDO, Edelweiss Financial Services- Tempemail appeared first on Blog – Tempemail.co.

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CIOs should focus on customer centricity: K N C Nair, Group CIO, Muthoot Group | CXO Bytes- Tempemail – Blog – 10 minute

CXO Bytes: Where IT decision-makers give quick advice, tips and tricks to their peers
The post CIOs should focus on customer centricity: K N C Nair, Group CIO, Muthoot Group | CXO Bytes appeared first on Express Computer.

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RBS buries toxic credit crunch past with NatWest Group rebrand- Tempemail – Blog – 10 minute

Royal Bank of Scotland (RBS) has confirmed it is to change its name to NatWest Group later this year as the financial institution seeks to bury a toxic history associated with the once well-regarded brand.
The nameplate swap comes amid a change in leadership with new chief executive Alison Rose seeking to give the bank a social conscious by announcing ‘climate positive’ targets and support for ethnic minority entrepreneurs.
In tandem with these changes, it is reported that chief marketing officer David Wheldon, credited with spearheading efforts to bring more of the group’s media buying in-house, is to retire – clearing the way for a fresh direction.
RBS insists the move is one of practicality, pointing out that over 80% of its customer base falls under the NatWest name but that existing RBS branches will continue to carry their existing branding.
Rose characterises the changes as the first steps towards forming a ‘purpose-led bank’, stating: “Today marks the start of a new era for our bank as we announce our new purpose – to champion potential, helping people, families and businesses to thrive.
“The way people live their lives has changed. And their expectations of companies are changing too; looking for us to deliver not only financial performance but a positive contribution to society; benefiting customers and communities as well as shareholders.”
In 2019 RBS heralded a return to health with profits of £3.1bn for the year, double the £1.6bn figure reported a year prior.
The UK government still holds a majority 62% stake in the business after being forced to bail the bank out to the tune of £45.5bn in 2008.
A new corporate identity has been on the cards for RBS since 2018 when the bank declared it would pursue a ‘blank slate’ approach to its future.

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REA Group mutates site scraping, credential-stuffing defences – Cloud – Security- Tempemail – Blog – 10 minute

REA Group has ramped up its defences against site scrapers and account takeover fraudsters, using technology from Australian security start-up Kasada to frustrate bots targeting its content and users.
The ASX-listed operator of property sites like realestate.com.au said it faced increasingly sophisticated attempts to scrape its content for monetisation elsewhere.
It also suspected it was the target of credential-stuffing attacks, where bots aimed reams of stolen credentials at its websites in the hope that some logins worked, allowing attackers to take over those accounts.
“One thing that [real estate listing platforms] have in common is they’re pretty much a treasure trove of data,” REA Group systems manager Andrew Logue told the recent AppSec Day Australia conference.
The data is not just REA’s. Increasingly, third-party data, such as performance data of local schools, is surfaced through real estate listing sites.
“The problem with that is we’re now not only safeguarding our own intellectual property, we’re safeguarding somebody else’s,” Logue said.
“And if you read the terms and conditions when you sign up to a third party, they’re probably going to say, ‘If you access our data feeds, you’ve got to make sure that nobody’s going to scrape them’. 
“We’re going to put them on the public internet – so anyway, that’s another hard problem.”
The bot problem
Logue said scrapers ranged from individuals running scripts for personal use, such as to be alerted to new rental listings each Monday, to more sophisticated operators that re-packaged the data and onsold it.
Some scrapers were relatively easy to identify and frustrate using “traditional” means, such as rate limiting, IP address blocking, geoblocking, or by turning on web application firewall (WAF) rules.
But Logue said scrapers were becoming more sophisticated and harder to detect as they were able to use tools and open source scripts to better blend in with normal site traffic.
“We’ve found that a lot of the scrapers and the people involved in potential account takeover activity [are] fairly easily circumventing a lot of the more traditional approaches,” he said.
“Scrapers are getting better, largely because they have a better set of tools at their disposal. 
“You’ve got toolkits such as Selenium and Puppeteer – and then on the [account takeover] side you’ve got tools such as Sentry MBA that can be used to drip feed a whole ton of user creds under the radar using a previously disclosed breach.”
Scrapers were also able to distribute their activities over thousands – potentially millions – of distinct residential IP addresses and user agents (“crawlers”), and various geographies.
Logue noted that was “making the lives of folks out there that are managing users, managing intellectual property and trying to safeguard user identities a hell of a lot harder”.
“It means that you’re not only dealing with these very specific traits,” he said.
“You’ve got an incredibly high-cardinality when it comes to IP addresses, locations, user agents, and most of the other traits that get associated with any kind of scraping activity or attack that you might encounter.”
High-cardinality describes values (such as in a database) that are relatively uncommon or unique.
Logue said a scraping bid that REA called ‘The Monster’ was a case in point.
“It was a lower but much more sustained number of requests, so over time, it just blended in and made us kind of think that our base level of user traffic was a lot higher than it was,” he said.
“[It] had over 3000 distinct IPs and over 10,000 distinct user agents, and it was spread across 72 different countries. 
“And you’re like, Okay, where do we start? Luckily they were only trying to scrape. This wasn’t an account takeover attempt, because the ramifications of that can be a lot greater.”
Logue said REA tackled ‘The Monster’ primarily by geoblocking.
“I can’t remember the total count, but I think …. we were talking about 50-70 different countries blocked around the world, and as we were blocking them, they were popping up elsewhere. 
“Luckily, the only casualties were person hours. So despite what seemed like quite a grave attack at the time, the damage was really mitigated to probably about $100,000 worth of engineering time.
“But in terms of the opportunity cost, we’d rather spend that money elsewhere.”
At the time, Logue said REA had Kasada’s Polyform under proof-of-concept. 
The technology uses a large amount of telemetry to distinguish between “good” and “bad” bots and human traffic, and then deploys a range of methods against sources of unwanted traffic.
“In the event of that what we thought might be a credential-stuffing attack, we actually fast tracked our proof-of-concept … into production, and it instantly stopped all of the attempts that we were seeing pop up,” Logue said.
Logue said Kasada has only been set up to protect “specific channels” associated with realestate.com.au, but he said the results had been promising.
Polyform was able to return traffic levels “back to what we think human traffic should look like” for one particular channel, knocking “out 43 percent of all the requests that were hitting our origin for that particular channel” without skewing the site’s audience metrics, Logue said.
Logue said REA also found scraping attempts – and vectors – that had previously gone undetected.
“We were getting scraped by Google Docs, Google Sheets, PHP, PowerShell … and we didn’t know about any of this until we turned this device on,” he said.
Move on
Kasada’s field CTO Nick Rieniets said the company’s goal was to turn the table on attackers.
“You’re taking a situation where it’s very cheap, easy and fast to attack the website, and flipping it so that it becomes very difficult, very expensive, and ultimately, very time consuming,” he said.
“The idea here is that we’re now trying to make the REA website as expensive as possible to scrape, and we do that by changing the way that we defend them on a very regular basis. 
“So we will allow an attacker to go down a route of investigating a particular tool of choice – maybe they’re going to move from Python to a Headless Chrome environment. We’ll follow that environment and then as they get more confident that’s possible, we’ll then neutralise them. 
Rieniets claimed Polyform offered “limitless” possibilities to the defenders of websites to frustrate “real, live attacks”.
“I could instruct the browser to solve a puzzle where I could make that puzzle super hard, and so all of a sudden, you’ve got no memory left in your bot,” he said.
“I could instruct the browser to download an incredibly large file and just blow that part of it up. I could consume the CPU, I could send you to the wrong information, and I could change things on the fly, so that it’s totally unreliable to you and I’ve neutralised the output of your bot, but you still probably think that it’s working because the thing about this is that we’re actually delivering back to the user the response, which will not trigger to them that anything [untoward is] happening [to their bot].”
Rieniets said the aim was to “elongate and frustrate” attempts to scrape data or to run a credential-stuffing attack, to the point where the attacker “makes a decision to stop attacking REA and to move somewhere else.”
“The whole goal of changing the game of the economics of attacking this particular part of the website is to get the person that’s writing the scripts to make one final statement in the battle for victory: to give up. And that’s the goal.”

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Captivate Group agencies to develop tommee tippee product awareness- Tempemail – Blog – 10 minute

UK childcare brand tommee tippee has tasked three agencies within London-based marketing group Captivate – Stir PR, SEEN Presents and SEEN Connects – to drive awareness, engagement and advocacy for its products.
Captivate will employ its cross-discipline team to deliver strategic, emotionally -resonant activations to support the parenting brand’s key product pillars and launching a wealth of new product developments via creative news stories, memorable experiential and engaging influencer marketing.
Chloe Ellis, CEO of the Captivate Group, says: “tommee tippee is already a huge player in the parenting world and we are delighted to be partnering with them to create and execute ambitious plans in 2020, which will drive further reach and impact with a modern, diverse, parenting audience. It’s really exciting to be working with a brand that is trusted, highly innovative and has a genuine desire to connect with parents in an emotionally engaging and supportive way.”
Tommee tippee aspires to make everyday life easier for parents around the world. The brand’s simple, insight-led innovation, including the first silicone teat (Pur), non-spill baby cup (Sip ‘n’ Seal) and speedy bottle preparation machine (Perfect Prep), has helped to revolutionise the parenting industry, supporting babies and toddlers from birth to weaning and onto independent eating and drinking.
Nicola Wallace, UK brand manager at tommee tippee, says: “With parents at the heart of everything we do, we needed bold, creative agencies that embody our values and showcase how tommee tippee can make everyday life that little bit easier for them.
“Captivate understood our brand and future ambitions – their emotion-driven approach resonated with our brand personality and will help us stand out in a highly emotive sector, making their appointment an easy decision! We look forward to working with our team of Captivate agencies to help us reach our goal in becoming the world’s most loved baby company.”

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ACSC gets to grips with Mailto threat after Toll Group infection – Security- Tempemail – Blog – 10 minute

The Australian Cyber Security Centre (ACSC) has released a hash of the Mailto ransomware that infected Toll Group, but says there is “limited information” on the initial intrusion vector and how the malware moved once inside the company’s network.
The centre issued its first advisory on the infection late Thursday, after Toll said yesterday it had asked for the ACSC’s assistance.
ACSC said it was unaware whether the attack on Toll Group was “indicative of a broader campaign” using the Mailto ransomware.
“Currently, the ACSC has limited information about the initial intrusion vector for Mailto infections,” it said.
“There is some evidence that Mailto actors may have used phishing and password spray attacks, and then used compromised accounts to send further phishing emails to the users address book to spread the malware.
“There is currently limited information from this compromise on how the malware is spread laterally across a network.
“The ACSC is continuing to monitor the situation and will update this advisory with any additional details.”
As part of its advisory, ACSC released a hash of the Mailto ransomware “from this incident”. Hashing is a method used in threat intelligence to identify malware.
Toll Group was forced to shut down many of its IT systems after discovering the ransomware on January 31.
iTnews revealed Tuesday that as many as 1000 servers may have been infected and were being manually cleaned.
Toll Group said Wednesday that it had been infected by a “new variant” of the Mailto ransomware.
The logistics giant indicated recovery efforts were still ongoing through Thursday afternoon, as it approached a week since the infection was discovered.
“As we work through our IT recovery plan in response to the recent cyber attack, our focus is on restoring the relevant underlying infrastructure and fully-automated systems, and on conducting a thorough review of the affected IT hardware including servers, systems and devices,” Toll Group said in a new statement.
“In doing so, we are working closely with our cyber security advisers to ensure that any risk associated with this incident has been appropriately managed and neutralised.” 

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I am at Express BFSI Technology Conclave because… | Nitin Agarwal, President & Group CIO, CTO, & CDO, Edelweiss Financial Services- Tempemail – Blog – 10 minute

Express Computer is one of India’s most respected IT media brands and has been in publication for 24 years running. We cover enterprise technology in all its flavours, including processors, storage, networking, wireless, business applications, cloud computing, analytics, green initiatives and anything that can help companies make the most of their ICT investments. Additionally, we also report on the fast emerging realm of eGovernance in India.

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