Keeping in mind the growth of IT solutions in every step of marketing value chain, NASSCOM organized the second edition of the MarTech Confluence 2016 at Hyatt Regency in Mumbai. With the theme, Marketing Technology : The Innovation that drives ROI, this year’s confluence focused on the need for digital solutions to meet the rapidly growing consumer demand and information technology’s role in facilitating the expectations and strengthening customer engagement.

R Chandrashekhar, President, NASSCOM while speaking at the event said

Marketers today require integrated technology to support the complex challenges of becoming a customer centric enterprise, which understands their needs and changing preference in real-time. Building a set of new competencies keeping in mind the customer needs has become imperative and technology is going to help build that expertise.

Role of Technology in Marketing has increased in the recent times with technologies like Artificial Intelligence and Data Analytics now playing major roles in understanding and meeting customer needs and creating more personalised solutions. The rising discipline of Customer Experience (CX) has helped companies put customer needs at the center of their planning and processes.

Marketers are now using CX solutions and measurement tools to track their ability to deliver customer-obsessed outcomes. As per NASSCOM reports, IT players’ share in global MarTech industry will grow to USD 45-55 billion by 2025. Revenues from customer experience segment itself will be around USD 13-1 5 billion, analytics will present a USD 12-14 billion opportunity, while creative design and mobile will be USD 8-10 billion and USD 7-9 billion respectively. The MarTech trend will also witness a shift in the role of Chief Marketing Officer (CMOs) role as they become key spenders with respect to not only customer facing technology, but also back-end infrastructure.

The new age marketing has become disruptive and technology has made communication real time and has enabled customers to search out information on their own terms and connect directly with brands’ content and commerce capabilities directly. Further, the ever-changing purchase paths of customers; the emergence of new channels, and the constant change in the MarTech landscape now poses challenges to marketers trying to optimize their budgets in an effort to win, serve, and retain customers.

According to NASSCOM, as more marketers will embrace omni-channel marketing, investments in the operations automation and integration of various online and offline platforms will rise and the market size for such opportunities would reach around USD 25 billion by 2025.

Besides adopting core technology solutions in the marketing function, marketers are also engaging with IT service providers for design development. Increasing digitization of the marketing function has changed the business model of companies and extensively impacted other functions such as product development, sales, customer service, supply chain, and IT. Marketing has become more aligned to business objectives with digital thinking becoming embedded into overall corporate strategy.

The day-long conference was attended by key industry leaders from the fields of IT, Entertainment, marketing and advertising, who discussed the new and unique ways that companies can adopt . Some of the key speakers at the event included R Chandrashekhar, NASSCOM; Dave Frankland of Selligent, Vivek Prabhakar of Chumbak, Siddharth Banerjee of Vodafone, Nischal Shetty of Crowdfire and Malini Agarwal of Miss Malini Blog.

Tengi – The Chat App That Gives Back have announced a significant milestone in its Indian journey. The newly launched chat application has crossed three hundred thousand downloads within three months of its roll-out in India. Tengi was introduced to India in April this year.

Tengi, the chat app with a social conscience, has pledged to give back at least 50% of its advertising revenues to users every week. Since its launch in April this year, the chat app that gives back has paid out Rs. 4,35,53,292 in prize money through its weekly prizes. So far over 48,000 winners have been recipients of this prize money.

Packed with great features including messaging, audio messaging and group chats with up to 100 friends, Tengi also allows users to add their Facebook friends without having to access their phone number from the contacts list. Currently attracting over 6000 downloads a day, Tengi is on course to crossing the million user mark by April 2017.

Commenting on the exciting news from India Neil Laycock, CEO Tengi said

We are very happy to be in India and are overwhelmed by the response that Tengi has received in the short 3 months that we’ve been here! India is the world’s fastest growing smartphone market and it makes incredible sense for us to be part of this exciting growth and energy. Going forward we’re on track to crossing a million users before April 2017. We also have some really interesting plans lined up for India including new features, language updates and an even more enhanced user experience.

Kit Lewis, Chief Architect, Tengi further added

We felt it was time for an entirely new approach to the messaging industry. Tengi is about being free, fair and fun, with a strong focus on consumers. We believe that everyone who uses our service has a value, and in contrast to other chat or social media services, we want to share this value with our users-to give back to our community no less than 50% of the revenue we’ve earned, as prizes in our weekly free prize draw. With Tengi, sharing the value becomes a weekly event that’s exciting for users and their friends, and gives everyone something to chat about!

With regards to its weekly cash prizes and user engagement Tengi adheres to these principles:

  • Winners are picked completely at random
  • Tengi will always give away at least 50% of all advertising revenue
  • There are no hidden costs or pre-conditions — Tengi will never charge for the app or getting tickets
  • Tengi will never sell user data to anyone / any third party
  • Tengi does not analyse users’ messages to help target adverts
  • Tengi is always completely transparent with its users

 

In order to be entered into the prize draw, all users have to do is use the app to get tickets for the draw. They can receive tickets in a variety of ways: they collect sixteen tickets for each contact in their phone that joins Tengi; one ticket every time a friend wins; one ticket for each day they use Tengi; one ticket for every 5 minutes they spend chatting on Tengi; and one ticket per week for keeping the app installed.

Tengi is available from the app stores for download now on iOS and Android

About Tengi

Tengi is the chat app that gives back. Every week Tengi gives away hundreds of cash prizes to its community of users. All they have to do is use the app to be entered into the prize draw. There are no hidden costs, catches or strings attached. Tengi is committed to sharing 50% of its advertising revenues with users.

The app is completely free and Tengi will never charge people for it. Tengi’s approach is consumer-focused and free, fair and fun. It is not just about the cash, either: the app is packed with great features and new ones are being added all the time. For more information, please visit Tengi

IBM emphasized the significance of Co-Innovation in building a Digital India, at IBM India Labs Engage 2016, the two day annual innovation summit hosted by IBM in Bangalore. Out of many Indian startups who have leveraged IBM’s cloud platform and/or cognitive solutions, five select start-ups demonstrated their innovative, industry specific offerings at the event.

In addition to adopting IBM technology, these start-ups have benefited by getting access to various IBM initiatives including IBM GEP/SmartCamp India-programs that allow them to build, launch and scale their business.

Speaking at the event, Kaushik Bhaskar, Vice President, IBM India Software Labs said

With Cognitive technologies becoming a key differentiator in the global technology landscape, India need cognitive business models to leapfrog into the lead innovator ranks. There is also a fundamental shift required from ‘siloed’ innovation to ‘co-innovation’ to rapidly drive this transformation.

IBM is increasingly focused on nurturing the ecosystem to drive this change. By providing start-ups with access to technical expertise, executive mentoring, software infrastructure credits, co-marketing programs, sales and VC leads – IBM is committed to working with new age, born-on-the cloud companies to drive innovation that will build a Digital India.

The event provided an opportunity for start-ups, ecosystem leaders, enterprises and investors to discover ideas that would breach technology frontiers and build disruptive applications for the Cloud and Cognitive Era. By participating in an immersive Design Thinking and Garage experience, participants also had a unique opportunity to unearth emerging client needs and rapidly create market-focused solutions.

The IBM India Labs Engage 2016 is part of IBM’s continuing commitment to support the Indian startup ecosystem by orchestrating the collaboration between enterprises, investors and start-up companies through various digital and physical platforms through the year.

IBM engages with startups across sectors including fin-tech, health-tech and retail and provides access to key IBM programs and investments including IBM Global Entrepreneurship program; IBM physical and virtual Garages; IBM Labs; Digital Communities (Watson, Bluemix, IoT, Cloud etc.) to fuel ecosystem innovation.

The top five Start-ups who demonstrated their solutions at the event

AllizHealth: This Pune based preventive health start-up, has built a consumer focused health and wellness platform for early identification, tracking and management of health risk and conditions. It leverages IBM cloud platform to enable users to track various health risks and parameters, store digitized medical documents and also connect with doctors, caregivers etc.

Gaurav Vij, Founder and Chief Architect

There is an increasing challenge of non -communicable and lifestyle related diseases in India. At AllizHealth, we are trying to address this problem by working on an innovative Health Management Platform. The goal of this platform is to make people aware of their health risks early and help them with various resources to track and manage such risks.

Through our efforts, we are now managing the health of over 500,000 users and working with some of the leading insurance and healthcare groups in India. In this journey, we are fortunate to have a partner in IBM cloud. Harnessing the power of cloud is central to our plans and the support, help and guidance we have received from IBM team, has been quite remarkable. We hope to continue with this association and make it a win-win.

Tagalys : This Chennai based start-up has developed an e-commerce personalization engine on IBM cloud to help online retailers improve visitor-product engagement and revenues. The platform studies visitor and segment shopping behavior, to deliver products most relevant to that visitor(s) across product discovery channels like Site Search, Merchandising, and Recommendations within the online retailer.

Antony Kattukaran, Co-founder and CEO

Personalization of the complete visitor experience across category pages, recommendations widgets and search results is a requirement in today’s digital commerce experience. IBM’s cloud infrastructure is a secure, scalable, and helps us meet the most rigorous demands for our online business. Our partnership with IBM has helped a team like ours focus on product innovation instead of infrastructure and compete on merit with the best in the world.

Signzy : Recently awarded as the most innovative solution by RBI, this Bangalore-based start-up, uses IBM’s cognitive and cloud solutions to make the digital regulatory processes simpler, secure and more compliant. Their unique online contracting solution uses the latest technology like biometric signature and blockchain to complete the entire online digital trust system.

Ankit Ratan, Co-founder and CEO

Digital On-boarding is a painful problem for the financial sector and the broader industry. Signzy is using a Cloud API based approach to make this simple, yet secure and compliant. Using IBM Watson’s cognitive capabilities we have ensured that our AI technology is enterprise-ready from day one, accelerating our go to market and delighting clients.

Artifacia: Erstwhile called Snapshopr, this Silicon Valley and Bangalore based start-up provides an AI based visual discovery platform designed for retailers that helps them improve engagement and conversions on their apps and websites. Using IBM cloud technology, the platform helps their partners provide unique product discovery and personalization experiences to their customers.

Navneet Sharma, Co-founder and CEO

Artifacia is a visual discovery platform powered by Artificial Intelligence. We enable developers and retailers to build and deliver unique product discovery and personalization experiences for their customers in India and the US.

We have relied on IBM cloud technology to build a deep learning technology infrastructure. As the winners of IBM’s SmartCamp program in 2015, we garnered a lot of visibility and look forward to the IBM partnership to their support as we expand globally.

Talview : This Bangalore-based start-up is a leading HR technology solution provider which leverages cutting-edge tech like neuro-linguistic programming, machine learning, and psycho-linguistics built leveraging IBM’s cognitive and cloud solutions. The solution provides mobile-video hiring and helps companies to accept applications, conduct automated and live interviews, video supervised written & code tests and complete on boarding formalities remotely on mobile/tablet and PC.

Jobin Jose, Cofounder and COO

Talview is in pursuit of disrupting the USD 500 billion global recruitment industry and had identified a strong market need for a cognitive solution. Talview Talent Insights which leverages multiple IBM Watson APIs and IBM Cloud Service is the world’s first hiring solution that harnesses the power of advanced data science and machine learning algorithms, video-audio analysis, social media analytics, psycho-linguistics and speech recognition to help companies build better teams and gain competitive advantage. Using IBM services helped us to go to market faster with a secure, scalable solution.

Internet has become a huge game-changer in our lives. Be it ordering food, groceries, booking a cab, booking flight tickets etc. every task is now available at our finger-tips !! Increased adoption of smart-phones (even in villages, Tier-II, Tier-III cities), growing penetration (along with affordability) of Mobile internet (2G, 3G) and Reliance Jio’s 4G offering is just an icing on the cake 🙂

Though smart-phones have become more affordable, it has reduced the real Social Interaction between people. Many years back, when I was in Mumbai there always used to be passengers who formed their own groups to pass time-time (by playing cards/discussing about various issues) but now, most of them are busy on their smart-phones. There is no major risk involved when phones when are used during the course of any journey (bus/train/car etc.). The scenario however changes when you use the phone while walking on the streets or boarding trains/buses. It might not only lead to breakage of your phones but can also pose a huge life-threat !! As per a study by Mid-Day, Chatting on mobiles while boarding trains and buses has emerged as the top reason behind mobile phone damage.

Hence, just like Life Insurance that is used to provide life-cover, many companies offer Gadget Insurance and also provide repair services at your door-step. Mobile phone screens are vulnerable to drops. While new technology advancements like gorilla glass and other screen protection methods like tempered glass have reduced screen damages they can’t ensure total protection.

It is therefore wise to opt for a damage protection plan during purchase which ensures you get your phone fixed without hassles in case of any such unfortunate event. Startups like OnsiteGO, India’s No. 1 gadget and electronic device protection company can be of huge help since they provide many complimentary services.

Coming back to breakage of phones, an analysis of over 4000+ repair requests over a period of one year revealed that using mobile phones while alighting or boarding crowed buses or trains is uncool and downright risky. A large majority of about 3000 [76%] people have dropped and broken their mobile phones while using them at such times. The data was revealed by OnsiteGo that offers gadget and electronic device protection.

Key highlights of OnsiteGo Study

  • Women tend drop their phones more often than men (58%)
  • Most people drop their phones while commuting. Talking on mobiles while alighting or boarding crowded trains, buses main reasons for dropping and breaking their phones (76%)
  • Multitasking also cited as one of the reasons for dropping phones (55%)
  • Selfie drops also account for a significant number of phone breakage. (15%)
  • More than 50% of people tend to break their smart phone screens within 8 months of buying a new smart phone.

 

According to the data, taking selfies also accounted for a significant number of drops. About 600 phones (about 15%) were broken while the user was clicking a selfie. The data also showed that about 2400 people (about 60%) comprised female users out of which a majority (about 70%) were in the age bracket of 18 to 25 years.

According to OnsiteGo, about 4000+ requests were received by the company from across the country to repair mobile devices. The data was analyzed to spot trends in usage that could be used to spread awareness among people and help them reduce loss due to breakage.

It was also found that broken screens comprised the largest category to be grouped under repairs. About 1600 (37%) were attributed to broken screens. The other issues included speaker defects, microphone damage, camera, display problems, software issues and others which were fragmented across the remaining 63%.

OnSiteGo-Data-Gender

Of these about 576 (36%) customers had broken screens within six months of purchase. Interestingly about 128 (8%) reported screen damage within the two months of ownership going up to 272 (17%) within 3 months of purchase. The numbers were found to increase exponentially after 3 months indicating that no matter how careful people are with their smartphones, breaking your smartphone screen is almost inevitable. The numbers drastically go up as high as 912 (57%) after 8 months of purchase.

Detailed Infographic of OnsiteGo Study

Looking at this trend, we are sure you would have made up your mind to have a Damage Protection plan for your phone. A damage protection pack on your phone can prove to be a big boon in emergencies. You can buy a damage protection pack online as well. OnsiteGo and a few others offer such services. There are options such as “no questions asked” program offering service whether the damage is accidental or not. And if your phone is beyond repair, some promise replacement for free, so you are sorted.

Reference LinkMobile Phone Study

The Delhi-NCR Chapter of The Indus Entrepreneurs, a not-for-profit organization dedicated to fostering entrepreneurship, is hosting their 3rd Indian Education Entrepreneurship Day at Sheraton, Saket, New Delhi on the occasion of Education Day on 2nd September 2016.

Themed around innovation in education, the event will bring together leading entrepreneurs and investors in the education sector on one single platform to explore possible initiatives & future opportunities for India.

Geetika Dayal, Executive Director, TiE Delhi-NCR says

The Education sector is finally heating up, with money flowing into the sector and educational institutions accepting the introduction of new technologies, innovation in this industry is likely to accelerate aggressively in the coming years. By hosting the IEED series, we provide Education entrepreneurs the right push to make the sector an area of holistic growth.

With the keynote address by Manish Sisodia, Deputy Chief Minister & Education Minister of Delhi, the event will witness four sessions with Industry leaders.  The first session will discuss What Investors Want focusing on the issue of investment and funding in Education based ventures. The issue of on ground application of technology would surface in the second session’s discussion – Online and Offline : Bridging the Divide. The two Industry oriented discussions will be followed by two other sessions on Teachers, Tablets, Tech : What do Educators want and Is Ed-Tech the Next Fin-Tech respectively.

This year IEED 2016 promises to be the best forum to network and connect with established players, innovators, stakeholders and entrepreneurs for individuals or companies in sync with the Education industry.

About TiE Delhi – NCR

TiE Delhi-NCR, recognized as the best Performing Chapter Globally has a Special Interest Group on Education & Training. TiE is a non-profit, global community welcoming entrepreneurs from all over the world. It believes in the power of ideas to change the face of entrepreneurship and growing business through our five pillars; mentoring, networking, education, incubating and funding. For more information, please visit www.delhi.tie.org

National Payments Corporation of India (NPCI), the umbrella organization for all retail payments system in India launched the pilot project for Bharat Bill Payment System (BBPS) with 26 Bharat Bill Payment Operating Units (BBPOUs).

In the first phase, BBPS will cover repetitive payments for everyday utility services such as electricity, water, gas, telephone and Direct-to-Home (DTH).

A. P. Hota, MD & CEO, NPCI said

BBPS, in due course of time would link all major billers in the country with all their consumers which will simplify bill presentment and bill payments electronically. Currently the volume of bills being paid by cash is so large that even if 25 percent of the bills get paid electronically, impact would be visibly enormous.

BBPS is the Reserve Bank of India (RBI) mandated system which will provide inter-operable bill payment services to customers. It is an integrated platform connecting banks and non-bank entities in bill aggregation business like billers, payment service providers, retail bill outlets etc.

As on date 62 entities have received in-principle approval from RBI to function as Operating Units (OU), out of which 52 are Banking entities and 10 are Non-Banking entities.

NPCI functions as the authorized Bharat Bill Payment Central Unit (BBPCU) which will undertake clearing and settlement activities related to transactions routed through BBPS. The RBI authorized BBPOUs will on-board billers, aggregators and payment gateways. They would also set up agent network and customer touch points to handle bill payments through different delivery channels including self-service, assisted, electronic and manual modes.

Pilot Participants BBPOUs

Bank BBPOUs – AP Mahesh Co-operative Urban Bank, Axis Bank, Gopinath Patil Parsik Janata Sahakari Bank, HDFC Bank, ICICI Bank, IDBI Bank, Indian Bank, IndusInd Bank, Kotak Mahindra Bank, Punjab & Maharashtra Co-operative Bank, Punjab National Bank, RBL Bank, State Bank of India, The Saraswat Co-Op Bank, TJSB Sahakari Bank and YES Bank.

Non-Bank BBPOUs – Avenues India Pvt. Ltd, Common Service Centre, Euronet Services India Pvt. Ltd, IndiaIdeas.com (Billdesk), ITZ Cash Card Ltd, One97 Communications Ltd (Paytm), Oxigen Services India Pvt. Ltd, PayU Payments Pvt. Ltd, Spice Digital Ltd and TechProcess Payment Services Ltd.

About NPCI

National Payments Corporation of India (NPCI) was set up in 2009 as the central infrastructure for various retail payment systems in India and was envisaged by the Reserve Bank of India as the payment utility for all banks in the country. During the last six years, the organisation has grown multi-fold from 2 million transactions a day to 25 million transactions now. For more information, please visit http://www.npci.org.in/

Swipe Technologies has announced the OTA  updates for its most sought after Swipe Elite Plus which was launched in June 2016. Apart of Swipe’s endevour for constant improvements, the latest OTA is an incremental update available to all users of the Swipe’s Elite Plus smartphone to enhance the performance, offer improved RAM usage & user experience and solve the heating issue.

Shripal Gandhi, Founder & CEO of Swipe Technologies responded to a consumer’s tweet on Twitter to confirm that Swipe Elite Plus smartphone users in India will receive the much-awaited software update over-the-air. The new OTA update will also enhance the battery life besides ironing out minor glitches faced by some users. In other words-It will make the daily usage more seamless & satisfactory including better thermal management.

Interested users can go ahead and download the OTA file manually through a software update notification accessible directly in your Elite Plus phone. However, users are advised to back up important data and settings on the device before proceeding with this update. A higher performance and FHD display in the mobile device provides the Elite Plus an edge over other such devices falling in the same price range.

The Elite Plus available exclusively on Flipkart.com is a combination of aesthetics and power that brings an unmatched experience of craftsmanship without putting a dent on pockets.

The Elite Plus is powered with a Qualcomm Snapdragon 64-Bit 615 Octa-Core processor and 2GB RAM to handle multi-tasking without breaking a sweat. It sports a Full High Definition 5 inch 1920*1080 IPS Display and energy-efficient screen that gives 40% more colors than a normal LCD screen for brilliant graphics and gaming even under direct sunlight. The Elite Plus is equipped with a 3050 mAh marathon battery and supports 2G/3G/4G LTE/ EVDO/CDMA standards at breathtaking speeds. You can find the review of Swipe Elite Plus here

With its 13 MP rear camera and 8 MP front camera, an Elite Plus user can take high-resolution selfies and all other photos without compromising on details. For music lovers, Elite Plus offers new edition of speakers with superior acoustics and a dedicated amplifier for each speaker to deliver audio quality unprecedented from a smartphone. The new phone comes with Premium Jaquard Polycarbonate body with thin metal frame that is ergonomically tapered to effortlessly fit in your grip. Swipe Elite Plus comes at attractive price point of Rs. 6999

CleverTap has announced the expansion of its latest and most powerful mobile analytics & user engagement platform into the education sector. The initiative launches in partnerships with two companies and is now available to any educational organization seeking to deepen its understanding of its users in order to build the best desktop and mobile learning apps.

The announcement follows the successful use of the CleverTap platform by over 2,500 clients globally who drive immediate user engagement and better app retention on a daily basis. The key for learning apps is the ability to group and segment users based on their behavior within the app-how often they come and what lesson they have completed or not yet completed. User engagement techniques using a mix of push notifications, in-app messages, email and even SMS is critical to get students and parents progressing systematically within the app towards their goals.

Product Managers, Marketers and developers can segment their users based on past behavior in very complex ways but can also automate campaigns for behavior expected in the future using Live User Segments. Live User Segments offer clients real-time monitoring and analysis of critical user flows such as on-boarding and conversion of their app users.

The most successful automated campaigns are the ones that engage users exactly when they complete a specified activity, or even upon inaction, when they do not perform the desired activity within a specified amount of time, which could be minutes, hours or days.

Arkady Fridman, Product Evangelist for CleverTap said

The move was a natural one for the company. The landscape of education is changing and the traditional formats of learning are being disrupted. CleverTap’s advanced user behavioral segmentation allows educators segment their users into smaller, micro-segments based on behavior so that every interaction with that small group is very relevant, timely and personalized.

For Hooked on Phonics and School4One, the partnership significantly enhances the value of their analytic capabilities and provides unparalleled insight into user behavior, down to every individual. Having the ability to message these users within the same dashboard is invaluable.

Robert Manger, President at Hooked on Phonics said

CleverTap has been a very valuable resource to help us engage parents with relevant non-intrusive messaging at the right moments. The whole team-from our first interaction with Arkady Fridman and CEO Sunil Thomas, to their customer success group-has offered first class service from initial ramp-up to getting us fully integrated and running automated campaigns internationally.

Felipe Saints Jean, CTO for School4One said

We chose to use the CleverTap platform to deepen its understanding of iPad classroom users. Our team has been working since 2012 to build the best apps to create and share educational content in the App Store. We chose the CleverTap platform to provide us with the best analytics and a deeper understanding of our iPad classroom users. This has enabled us to meet our teachers’ needs and deliver contextually relevant experiences and to increase engagement for their student programs.

CleverTap offers blazing fast mobile app and website analytics, powerful real-time user segmentation and multiple ways to engage with users. CleverTap today helps more than 2500 customers understand their users, down to every individual and effectively engage them with timely, relevant and personalized campaigns.

Hooked on Phonics is a leading creator of learn to read products and apps that are highly effective and incredibly fun. The company works with professional educators, interactive designers, writers, artists, and parents to develop step-by-step learning systems that help teach children critical reading, skills. Hooked on Phonics apps are available on all platforms – iOS, Android, Amazon Kindle and Desktop. The physical products (from  Hooked on Phonics) are available at major e-tailers worldwide and online at http://www.hookedonphonics.com

School4One School 4 One is an integrated workflow that makes it easy for teachers to use iPads. It bridges the gap between content, curriculum, and native iPad tools. This makes it easier for teachers to effectively use the devices to personalize resources for students, leave contextual audio-visual feedback over student work, track progress in Common Core Standards, and re-mediate using real-time formative assessment data.

About CleverTap

CleverTap is the next generation mobile engagement platform. It enables marketers to identify, engage and retain users and provides developers with unprecedented code-level access to build dynamic app experiences for user groups. CleverTap includes out-of-the-box prescriptive campaigns, omni-channel messaging, un-install data and the industry’s largest free messaging tier. To learn more about CleverTap please visit clevertap.com