bengaluru sigal zarmi is the head of transformation at morgan stanley her responsibility is to create technology offerings to accelerate agility across the investment banks business units india is key to this since it hosts morgan stanleys largest gic global inhouse centre employing 3300 technologists out of the 15000 globally zarmi has been part of the india gic journey since the bank started a mumbai centre some 15 years ago another centre was launched in bengaluru five years ago in an interview with toi zarmi talks about how she is shaping the digital customer experience morgan stanley spends about 4 billion on technology annually in which areas do the india centres focusindia is the largest and the most diversified gic location globally for morgan stanley the gic has different teams that support our global businesses across institutional securities wealth management and investment management our larger divisions are technology operations fund services and finance as well as smaller groups such as legal and compliance human resources and internal audit among others the growth in employee base for the india gic has been around 20 yearonyear in the last 45 yearscan you share specific tech offerings that the india team was integral to developingtake the goals planning system gps gps is a gateway for financial advisors fas to deliver customised goal planning to clients while seeking to make fas more efficient by integrating the process from planning to implementation gps is bespoke to morgan stanley and has embedded capabilities that potentially deliver tangible value to clients such as asset location and intelligent withdrawal gps was conceived and implemented by the collective leadership of our global teams across business and technology the technology team in india assisted in building a performance analytics engine that serves as one of the important components for gps building the engine required thought leadership innovation and an iterative approach in finetuning the performance working closely with the business and the research teams the high configurability of the engine also allowed us to leverage the platform capabilities in our latest offering called roboadvisory as well allowing us to launch the product in a short time of 10 months in wealth management next best action nba is proprietary technology and leverages predictive analytics and machine learning to suggest what action is potentially the next best one that an fa should take we propose preapproved personalized content for financial advisors to easily send via email to one or all of an fas clients driving scale for client engagement india helped develop thishave you moved more work inhouse in recent times how has the ratio changed between outsourcing versus insourcingoverall we are evolving and there is more work that is being done inhouse then in the past but i think that goes to the maturity of the organisation and the ability to take on higher level work from a global perspective the ratio of insourcing to outsourcing for morgan stanley would be 7030 the insourcing ratio would include fulltime employees and contract