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remain ahead of the curve with a rapidly growing trend of digitalization in banking and financial |
services on a global scale. The Digital Bridge created by Mr. Tiwari and his wealth of experience |
in the industry make his abilities in his field truly extraordinary. |
My name is Debra Ameerally, and I am the current Director of AI/ML Data Operations, BPR and |
Analytics at Apple, before this role I led Apple Pay, built Apple store and Apple Wallet. Apple is the |
worlds largest technology company, with $394.3 billion in revenue in 2022. It produces a multitude |
of technology products, including the iPhone, iPad, iWatch, Airpods, and more. It also offers financial |
technology services in the form of Apple Pay, Apple Card, and Apple Cash. In my Director role, I |
apply my wealth of leadership experience, specifically in the software industry. I am a seasoned e- |
commerce professional with broad experience in online commerce, including analyses and strategy, |
coupled with a strong IT background. Before my role as Director of AIML Data Operations, BPR and |
Analytics, I applied my experience in several other leadership roles with Apple, including Director of |
Payments, iTunes store; Director of Maps; and Director of Analytics HR. Additionally, I am highly |
educated with a Master of Science in Economics from the London School of Economic and Political |
Science (LSE), specializing in Analysis, Design, and Management of Information Systems. I also |
hold a Bachelor of Science in Economics from LSE, specializing in Accounting. Based on my level |
of experience and education, I am expertly qualified to speak to Mr. Tiwaris extraordinary ability in |
digital banking and financial services. |
As a leader within Apple, I directly witnessed the impact of Mr. Tiwaris innovative Digital Bridge as |
applied to Apples Payment products when Apple was a McKinsey client. Although Mr. Tiwari |
performed this work while employed with McKinsey, the Digital Bridge has since proliferated beyond |
Apple into the industry as a whole, and we got to know it via our banking partners. Further, Mr. |
Tiwaris Digital Bridge can be attributed specifically to him and his extraordinary ability, rather than |
to McKinsey as his employer. McKinsey can claim credit for the wise decision to employ him (as they |
should); however, Mr. Tiwaris innovative contribution to the digital banking and financial services |
field is entirely his own. |
For context, digital banking and financial services has been a rapidly growing and competitive field, |
with unique challenges as banks and payment networks struggle to develop new core systems to |
meet the needs of their users and deploy new network infrastructure. Historically, migration from old |
1 Apple Park way, Cupertino, CA 95014 |
systems such as mainframe and IMS databases has been a painstaking task, with a significant risk |
of lost data, functional discrepancies, and long amounts of downtime. Mr. Tiwari developed a new, |
modern framework to simplify this enormous task, which is now known across the industry as Digital |
Legacy Decomposition and Automated Integration Framework, or, more simply, Digital Bridge. At |
its essence, Mr. Tiwaris Digital Bridge redefines and solves for the transition between the old |
systems and the new, functioning as an intermediary layer, which simplifies and accelerates the |
migration process. |
Mr. Tiwaris Digital Bridge methodology involves numerous components, including automatic |
cataloging, legacy code identification, decoupling and preservation, and API integration. At the |
outset, Digital Bridge performs a comprehensive scan, cataloging components of the existing |
system, ensuring that no component is inadvertently overlooked. Employing advanced algorithms, |
the Digital Bridge framework differentiates between the new and legacy code segments, which aids |
in the efficient migration of only relevant, up-to-date data and functionalities. One feature that makes |
the Digital Bridge shine is its ability to isolate business logic from codebase, ensuring that vital |
processes are both preserved and enhanced during the migration process. This isolated business |
logic is then transformed into immutable APIs (Application Programming Interfaces), which are |
placed systematically in a service catalog. These APIs act as building blocks for the new system, |
allowing institutions to mold their service flexibility. |
Mr. Tiwaris innovative and disruptive Digital Bridge methodology brings with it numerous game- |
changing advantages. First, it mitigates risk by providing an intermediary layer and providing a highly |
effective and reliable framework to diminish the risk of data loss and functional inconsistencies and |
discrepancies. It is also cost-effective. Historically, migrations have been not only extremely time- |
consuming but also financially draining. Digital Bridges efficiency reduces both operational |
downtime and the costs associated with it. The stable API structure means banks can progressively |
adopt new functionalities while ensuring minimal disruptions to their existing users. Additionally, the |
frameworks modular approach allows for easy updates and enhancements, making it a sustainable |
choice for future technological shifts. |
The results of the implementation of Mr. Tiwaris Digital Bridge at our organization, specifically in |
Apple Pay, cannot be overstated. Given as a large enterprise we have several systems and |
platforms, we had a very fragmented approach to integration and synchronization, the Digital bridge |
framework enabled us to simplify integrations across more than 300+ services, across 6 different |
platforms and easily integrate with our network and banking partners. Currently the product runs on |
the Digital bridge orchestration framework and supports more than 100 million active devices/users |
and over 100 thousand transactions per second. Digital bridge enabled us to build several extensions |
to our products, some of which are of confidential nature to mention here. |
1 Apple Park way, Cupertino, CA 95014 |
Given the disruptive nature and global impact of Mr. Tiwaris Digital Bridge methodology in digital |
banking and financial services, I earnestly endorse him as among the top 1 to 2% of experts in his |
field. I strongly believe the U.S. will continue to benefit from Mr. Tiwaris extraordinary abilities in his |
field, and I avidly recommend the approval of the petition on Mr. Tiwaris behalf. |
Sincerely, |