News

Amerisure wins Celent’s Model Insurer Award for their Underwriting Transformation Initiative

18 May 2022

Asia’s Best: Two-time winner of IDC Financial InsightsInnovation Award for iGTB Cash platform and Vietcombank

17 May 2022

Intellect registers INR 18782 Mn revenue in FY22, registers 25% YoY growth Q4 FY22 revenue registers 28% growth

05 May 2022

Intellect Global Transaction Banking partners with Microsoft to establish Corporate Banking transformation on Cloud

25 April 2022

Intellect SEEC appoints a new Business Head, North America and Chief Strategy Officer

20 April 2022

VPBank raises the bar in Vietnam's digital transformation with iGTB Cash platform from Intellect

11 April 2022

Intellect Global Transaction Banking’s (iGTB) Virtual Accounts 2022 set to revolutionize Digital Banking at a maj...

23 March 2022

Reserve Bank of India chooses Cloud-Native Intellect Quantum Core Banking Solution upgrade for powering the next st...

04 March 2022

Wyth Financial Launches Fully Digital Direct-To-Customer Bank Offering in Canada with the Implementation of Intelle...

23 February 2022

Intellect announces the launch of iColumbus.ai: Time to bring intelligence to trade and supply chain finance

21 February 2022

Intellect Announces Appointment of Uppili Srinivasan as President

01 February 2022

Intellect Q3 FY22 revenue registers 33% YoY growth, SaaS revenue registers 113% growth

27 January 2022

iGTB launches cloud-native, contextual Virtual Account Management 2022 as SaaS offering

24 January 2022

State Bank of India chooses Intellect Wealth Qube® for its Digital Wealth Transformation

07 December 2021

Intellect Digital Core powered Cater Allen wins the IBSi NeoChallenger Bank Award

22 November 2021

Fifth Third Bank launches new contextual and cloud-native self-service user experience from Intellect Global Transa...

17 November 2021

Kuwait-based Boubyan Bank is poised to become the world’s first International Islamic Digital Transaction Bank in...

02 November 2021

Intellect Q2 FY22 revenue registers 22% YoY growth; SaaS revenue registers 156% growth

28 October 2021

Jordan Kuwait Bank Embarks on a Digital Transaction Banking Transformation with “Bank Anywhere” capability powe...

20 October 2021

Intellect Global Transaction Banking (iGTB) and Coriolis Technologies partner up for predictive analytics, deep lea...

11 October 2021

Intellect launches Capital Cube 21, a Contextual Treasury Platform fueled by Composable Next Gen Technology

27 September 2021

Intellect Global Transaction Banking (iGTB) achieves SWIFT Certified 2021 status for its market-leading intelligent...

23 September 2021

Intellect announces Strategic Partnership with Resurs Bank to enable its vision of becoming the Nordic region’s f...

17 September 2021

Santander achieve “an incredible 70% average improvement of KPIs” say Aité-Novarica in their independent case ...

09 September 2021

Intellect Announces Appointment of Kannan Ramasamy as the Global Head Partnerships & Alliances and Business Head of...

30 August 2021

Intellect continues its winning streak by signing a Digital Transaction Banking transformation deal with a leading ...

26 August 2021

Intellect announces Digital Transaction Banking on Cloud – the world’s first, cloud-native, fully-integrated ca...

16 August 2021

Intellect Global Transaction Banking (iGTB) and essDOCS partner for digitalisation and automation of trade finance ...

12 August 2021

Intellect registers Strong Revenue Growth and Acceleration of SaaS & Subscription Revenues in Q1 FY 22

28 July 2021

St. James’s Place selects Intellect as their strategic AI Transformation Partner for their Investment Management ...

29 June 2021

Intellect launches iKredit360 - a composable, cloud-native technology platform exclusively designed for European fi...

14 June 2021

Intellect ranked #1 in 3 Categories of Financial Sector: Retail Banking, Transaction Banking and InsurTech by Globa...

05 June 2021

CWB partners with Intellect Global Transaction Banking to enhance payments service technology for business owners

31 May 2021

Advanced markets reaffirm their faith in Intellect’s Next-Gen Fintech architecture with the Societe Generale win ...

10 May 2021

Intellect Global Transaction Banking (iGTB) brings Societe Generale new solutions to help its clients optimise thei...

03 May 2021

MF Utilities, India Wins Aite Group's 2020 Innovation in Capital Markets Award for Digital Experience

29 April 2021

SICO Funds Services Company B.S.C. (c) chooses Intellect’s Capital Sigma to digitise its custody and fund adminis...

22 April 2021

iGTB powered Vietcombank wins IDC Financial Insights Innovation Award 2021 Best Bank in Vietnam for Payments and Ca...

08 April 2021

YES BANK adjudged winner at IDC Financial Insights Innovation Awards for Intellect powered Credit Origination Syste...

05 April 2021

Novarica features Intellect SEEC’s Magic Submission - a hyper-automation AI data extraction platform among promin...

01 April 2021

Concentra Bank selects Intellect to power its digital-first specialised banking on Microsoft Azure

30 March 2021

Vietcombank launches VCB CashUp powered by iGTB’s Payments and Cash Management to digitally transform wholesale b...

10 March 2021

Intellect launches Magic Aadhaar, an Al powered comprehensive Aadhaar processing solution to identify, extract, val...

08 March 2021

China Bank goes live with Intellect Wealth's Digital Trust Solution

03 March 2021

Bank Rakyat Indonesia chooses Intellect Wealth for Digital Transformation

22 February 2021

iGTB Welcomes Dave Revell ICD.D, Former EVP and Global CIO of CIBC, to its Growth Advisory Board

11 February 2021

Intellect SEEC expands its Senior Leadership Team with two new appointments

08 February 2021

Intellect continues its monetisation journey with a steady 19% Y-o-Y revenue growth and PAT of INR 804 Mn

02 February 2021

Intellect Digital Core (IDC) chosen for the transformation of one of Europe’s leading e-Commerce entity’s credi...

21 January 2021

Intellect Wealth with MAS’ APIX platform announced winners for Most Innovative API/Open Banking Project at the IB...

23 December 2020

Intellect appoints CreditorWatch to provide credit and late payment data in Australia

09 December 2020

Burgan Bank deploys iGTB’s Digital Transaction Banking platform with powerful channel capabilities to power its c...

23 November 2020

Intellect continues on its consolidation path with a steady 14% YoY revenue growth and sharp turnaround in profitab...

30 October 2020

Intellect Wealth Announced Winner in the 2020 IDC FinTech Rankings Real Results Award for Digital Wealth Transforma...

16 October 2020

FAB’s significant leap towards principal banking leadership and digital transformation powered by iGTB’s Digita...

05 October 2020

Myanma Foreign Trade Bank chooses Intellect for a scalable, future-proof Digital Transformation

29 September 2020

The Bank of Bahrain and Kuwait goes live with iGTB’s Contextual Digital Transaction Banking platform to support g...

16 September 2020

Intellect further expands its footprint in the Kingdom of Saudi Arabia, partnering with Samba Financial Group to of...

03 September 2020

Intellect joins BIAN to help Revolutionise the API-Driven Contextual Banking Technology Framework

02 September 2020

Intellect’s Monetisation Phase begins; generates operating cash of INR 1782 Mn, Net profit of INR 426 Mn

05 August 2020

iGTB ranked #1 Best Selling Wholesale Banking – Transaction Banking Solution in the world by IBS Intelligence in ...

20 July 2020

Intellect Digital Core (IDC), a comprehensive Contextual Banking suite for Retail Banking ranked world #1 by IBS In...

08 July 2020

Intellect Revolutionary Contextual Banking Technology ranked #1 in the world for both Retail Banking and Transactio...

29 June 2020

Intellect SaaS Annual Run Rate grew by 65%

15 June 2020

Intellect Design named a Leader in the IDC MarketScape: Worldwide Trade Finance Report, highlighting its keen focus...

02 June 2020

Intellect launches CALM 20, a unified contextual ALM platform to manage balance sheet risks

28 May 2020

Intellect launches CBX-FX – a contextual FX platform, combining trading and hedging needs for the bank’s corpor...

22 May 2020

Intellect Launches iTurmeric FinCloud; Will Deliver Offerings Through IBM’s Financial Services-Ready Public Cloud

14 May 2020

Emirates NBD wins Celent’s Model Bank award for Transaction Banking Transformation

11 May 2020

St. James’s Place wins Celent’s Model Wealth Manager with Intellect SEEC’s Intelligent Automation

30 April 2020

iGTB powered First Abu Dhabi Bank Wins Global Finance Award 2020 for ‘Best Liquidity Management Bank in the Middl...

01 April 2020

Intellect CBX Retail Digital Onboarding wins XCelent Functionality Award from Analyst Firm Celent

25 March 2020

Middle East’s Second-Largest Financial Institution chooses iGTB’s integrated Liquidity Management Solution to p...

20 March 2020

CBX-O, an end-to-end loan origination platform launched to empower the customers with improved data analysis and au...

19 February 2020

Intellect SaaS revenue registers 50% YoY growth

14 February 2020

iGTB-powered Abu Dhabi Islamic Bank Wins Aite Group’s 2019 Cash Management and Payments Innovation Award for Cust...

10 February 2020

iGTB Oxford School of Transaction Banking makes its debut in the Middle East

07 February 2020

Intellect SEEC launches the Contextual Sentiment API on AWS

29 January 2020

iGTB Announces World’s First 100%, 45-minute Robotic Deployment of its fully-featured Transaction Banking Portal ...

20 January 2020

Intellect Digital Core (IDC) adjudged Winner by Celent in ABCD Vendor View for Asia Pacific, Europe, Middle East, A...

09 January 2020

ARX, a new integrated suite of security services launched to redefine security with modern identity

18 December 2019

Liberty Mutual Enhances Commercial Insurance Underwriting through Mastery of Big Data, adding more value to Brokers...

05 December 2019

Intellect Launches RM Office 2020 for Wealth Managers

04 December 2019

Philippines Business Bank selects Intellect Digital Core, IDC 19.1, to power its Digital Transformation

20 November 2019

Intellect SEEC powers KSKJ Life with the implementation of AI-powered, cloud-native Fraternal Suite

19 November 2019

Intellect collaborates with Cambridge Judge Business School for a prestigious Executive Leadership Programme on Dig...

18 November 2019

Intellect Q2 FY20 revenue at INR 328 Cr

04 November 2019

The Commonwealth Trade Bank, UK chooses Intellect Digital Core, IDC 19.1 to power its Digital Transformation

30 October 2019

Intellect Global Transaction Banking Sets the Stage for Collaboration between FinTech and Transaction Banking…on ...

26 September 2019

iGTB bets big on Innovation at Sibos 2019

25 September 2019

Abu Dhabi Islamic Bank (ADIB) Goes Live with Intellect’s Digital Transaction Banking

24 September 2019

2019 the Year of Awards for Intellect GTB (iGTB) Clients: Exclusive Sponsor of the Eighth Annual Transaction Bankin...

23 September 2019

Intellect Expands Senior Leadership with the Appointment of Vikram Sud as iGTB’s Strategic Advisor

23 September 2019

Two Raiffeisenlandesbanks Go Live with Intellect’s Digital Trade Finance Solution

29 July 2019

Intellect Q1 FY20 License revenue registers 41% YoY growth

24 July 2019

Bank of Mongolia drives digital transformation vision with Intellect Quantum Central Banking

24 June 2019

David Hennah quits Finastra to join Intellect Global Transaction Banking

18 June 2019

Intellect revenue grows 36% to INR 1459 Cr in FY 2018-19

02 May 2019

Intellect recognized as a Leader for Worldwide End-to-End Corporate Banking Solution Providers 2019 by IDC MarketSc...

19 April 2019

Banks Learn How to Tap Sustainable Profit From The Gold Rush In Transaction Banking

17 April 2019

Ithala SOC Ltd, a licensed financial services and registered credit provider, based in South Africa chooses Intelle...

17 April 2019

AmeriTrust Selects Xponent Underwriting Workstation from Intellect SEEC for Underwriting Transformation

16 April 2019

Intellect SEEC and APS join forces to deliver digital transformation in financial services

02 April 2019

Wealth Re-Imagined – The launch of Wealth Qube – 2020 at Intellect User Meet, Dubai

20 March 2019

Intellect conducts its User Meet 2019 in Dubai

19 March 2019

Emirates NBD Selects Intellect for End-to-End Digital Transformation of its Transaction Banking Business

26 February 2019

HUDCO, a key partner for the Government of India in building assets for the Nation, selects Intellect as their part...

21 February 2019

BBK Partners with Intellect’s Digital Transaction Banking for Digital Transformation of its Transaction Banking B...

19 February 2019

Intellect Q3 FY19 revenue registers 42% YoY growth

28 January 2019

Intellect launches Capital Cube. a Treasury and Asset Liability Management solution, for regulatory compliance and ...

14 January 2019

QNB to implement iGTB’s digital corporate banking platform as it strides towards becoming a leading global bank b...

07 January 2019

Intellect Distribution and Service Suite 3.0 wins esteemed Life Insurance International Award

20 November 2018

Intracom Telecom and Intellect Design Arena to Transform the Digital Banking Systems in Armenia

12 November 2018

iGTB Choose everis as Sales & Implementation Partner to make Digital Transformation in Transaction Banking a Realit...

05 November 2018

Intellect Q2 FY 19 revenue registers 42% YoY growth; License revenue recorded 86% YoY growth in H1 FY 19

25 October 2018

iGTB and R3 partner for next-gen blockchain-enabled financial technology platform solutions

23 October 2018

iGTB and PPI Partner to Provide Leading End-to-End Transaction Banking Solution for the Largest European Payment Ma...

19 October 2018

iGTB and Bolero International Partner for Revenue Enablement and Capital Optimisation for Trade Finance and Supply ...

18 October 2018

iGTB Oxford School of Transaction Banking Huge Success on First-Time Visit to Asia

17 October 2018

Intellect Veteran Moves from MiddleEast to Head Ops in Continental Europe

27 September 2018

Bank Central Asia spearheads Indonesia’s Digital Transformation with iGTB’s Cash Management Platform

26 September 2018

Intellect Q1 FY 19 revenues grow 24% YoY

25 July 2018

Bank of Bhutan’s Loan Processing Goes Digital with Intellect Origination

12 July 2018

Intellect names Janet Thomas as new Chief Executive Officer for Capital Markets

10 July 2018

Santander iGTB payments hub implementation sets standard in Europe, accelerates digital evolution in Latin America

04 July 2018

Intellect Global Transaction Banking (iGTB) to Digitally Transform Techcombank’s End-to-End Transaction Banking B...

27 June 2018

Intellect and IBM to deliver seamless digital transformation to the world’s largest banks with IBM Cloud

07 June 2018

Intellect Risk Analyst bags the Prestigious American Business Award

05 June 2018

Fifth Third Bank Establishes Strategic Relationship with Intellect

29 May 2018

Intellect Revenue at INR 1087 Cr in FY 18; Q4FY18 registers 28% YoY Growth in dollar terms

06 May 2018

iGTB launches Global Deposit Manager in time for US banks to capitalize on repatriated cash

20 April 2018

Intellect ranked #1 in the world for Retail Banking and Payments

18 April 2018

United Bank of India launches “Pragati & Suvidha Credit Cards” powered by Intellect Digital Credit Card Managem...

07 March 2018

Banks learn how to profit from the transaction banking gold rush at annual iGTB Oxford School

05 March 2018

KSKJ Life partners with Intellect SEEC for Digital Transformation

14 February 2018

Intellect unveils IDM 18, Digital Debt Management System

12 February 2018

iGTB teams with Pivotal to bring contextual corporate banking to the cloud

09 February 2018

Intellect crosses 1000 Cr mark in CY 2017

30 January 2018

Bank of Baroda’s new digital Supply Chain Finance solution from iGTB to open up raft of working capital opportuni...

17 January 2018

iGTB signals US growth ambitions with transformation strategist and business development hire

12 January 2018

BOB Financial Solutions Limited selects Intellect Digital Cards to provide end-to-end Credit Card Management System

09 January 2018

Intellect SEEC Wins Seven Clients in Seven Months for its New Platform

03 January 2018

The contextual revolution is coming: iGTB unveils vision for transaction banking future in two new whitepapers

29 November 2017

Aite Report into Wholesale Banking APIs Gives iGTB Top Rating on all Six Measures

20 November 2017

Federal Bank drives “Digital India” vision with Intellect Transaction Banking

13 November 2017

Intellect Q2 FY 18 revenues grow 21% YoY

09 November 2017

Intellect launches IDC 17.1, Digital 360, Real time & Contextual Core Banking solution

31 October 2017

BDO Nomura, Philippines selects OneMarkets from Intellect Design to Provide Omni-channel Digital Trading & Equity R...

30 October 2017

Banks catch up with Amazon and Netflix as iGTB’s CBX 18 launches the contextual revolution

17 October 2017

Bangkok Bank to launch faster, better, more international services – signs deal with Intellect Design to implemen...

16 October 2017

Utkarsh Small Finance Bank goes live with Intellect Digital Core

09 October 2017

Intellect Risk Analyst Bags the Prestigious SMA Innovation in Action Award

21 September 2017

Intellect SEEC honored as Gold and Bronze Winner in 9th Annual 2017 Golden Bridge Awards ®

14 September 2017

Intellect awarded the Government of India’s ambitious & comprehensive eCommerce Project –The Government eMarket...

01 September 2017

Intellect SEEC Named as Technology Partner of Choice by the Ontario Medical Association

29 August 2017

Intellect Q1 FY 18 revenues grow 22%

11 August 2017

Second iGTB Oxford School of Transaction Banking course a roaring success

12 June 2017

Swedish Central bank is now live on Intellect Quantum

29 May 2017

Intellect signs multi-year deal with one of the “Big Four” in Australia to provide a digital solution for busin...

24 May 2017

Intellect #2 in the world in Digital Banking

17 May 2017

Intellect Q4 FY 17 revenues grow 11% QoQ to Rs 250 Cr

03 May 2017

Central Bank of Lesotho goes live with Intellect Quantum Central Banking Solution

19 April 2017

Central Bank of Armenia chooses Intellect’s Quantum Central Banking Platform for its Digital transformation

17 April 2017

Intellect recognised as a 'Global Pursuer' and a 'Global Player' in 2017 Global Banking Platform Deals Survey

13 April 2017

Khan Bank selects Intellect’s debt management system to digitalize their collection processes

28 March 2017

Raiffeisen chooses iGTB to provide digital trade finance platform

08 March 2017

Intellect Lending Suite reduces processing time by half at El Taamir, Egypt

20 February 2017

Intellect SEEC and Safety Compass aims at enhancing workplace safety

17 February 2017

Al Rajhi Bank Partners Intellect to provide Next-generation Banking Services

13 February 2017

Citizens Development Business (CDB) goes live with Intellect DIGITAL FACE

07 February 2017

Intellect registers 17% YoY revenue growth

03 February 2017

MF Utility, powered by Intellect, wins the coveted Banking Technology Award 2016

29 December 2016

Intellect iGTB awarded Fintech Finance Digital Transaction Banking Gold award

09 December 2016

Intellect registers 14.7% sequential revenue growth in constant currency terms with strong Digital led wins

03 November 2016

iGTB's Algorithmic Liquidity Solution achieves a new benchmark on SPARC T7 Server

19 October 2016

Intellect ranked #1 at IDC Financial Insights FinTech Rankings Real Results Awards 2016 for its core banking implem...

05 October 2016

iGTB launch Digital Transaction Banking available as SaaS

29 September 2016

Confederation of Indian Industry (CII) honors Arun Jain with Lifetime Achievement Award

28 September 2016

Intellect Risk Analyst, a virtual assistant for underwriters achieves VerAfied Status

19 September 2016

Intellect Design's Payment Hub is Now Live with a Major Bank in Canada

14 September 2016

Capital Small Finance Bank selects Intellect to power its Digital Transformation Program

12 September 2016

iGTB appoints new Head of Pre-Sales for APAC

02 September 2016

Intellect Risk Analyst completes SSAE 16 SOC 2 certification

29 August 2016

Intellect Design Arena recognized as a Leader for the 6th consecutive year in Gartner’s Magic Quadrant for Global...

23 August 2016

iGTB expands Europe team with appointment of Mikael Estvall

17 August 2016

Intellect announces Q1 Results, reaffirms annual guidance

09 August 2016

Intellect launches OneMARKETS a comprehensive product for Securities Trading and Asset Services

27 July 2016

Ted Roosevelt Malloch launches iGTB Oxford School of Transaction Banking

14 July 2016

Maybank Indonesia powers Indian branch operations with Intellect's Integrated Treasury Management System

05 July 2016

Intellect SEEC, part of Intellect Design Arena Achieves VerAfied Status

27 June 2016

Intellect iGTB appoints new Head of Digital for Corporate Banking

21 June 2016

Intellect iGTB helps Euro Exim Bank to boost due diligence with riskbased cognitive computing platform

16 June 2016

Intellect leverages Silver Bullet Technology to facilitate faster clearing for global bank

13 June 2016

Intellect SEEC launches Intellect Lead Closer, an app for advisors

10 June 2016

Halk Bank, Turkey plans to ramp up collections process with Intellect's Debt Management

23 May 2016

Intellect Design Arena Joins Bloomberg’s Enterprise Solutions Partner Program

17 May 2016

Intellect revenues grow 33% in FY 2015-16

03 May 2016

Vietnam Bank for Social Policies wins Celent Model Bank Award with Intellect's Digital Core

15 April 2016

iGTB and OutsideIQ Partner to Deliver Cognitive Computing Due Diligence

08 March 2016

Intellect wins ‘Payment Provider of the Year’ Award at Central Banking Awards 2016

04 March 2016

SMEs cry out for better banking

29 February 2016

UnMail wins the IDC Insights Award 2015 for Excellence in Innovation

19 February 2016

Intellect YTD revenue registers 33% growth with strong Digital led wins

25 January 2016

Intellect’s ESN product UnMail recognised by CeBIT for driving ‘enterprise digital transformation’

06 January 2016

Tacirler Investment, Turkey chose Intellect Brokerage, Wealth & Treasury, a comprehensive Investment banking produc...

23 December 2015

IDFC Bank implements Intellect's Global Transaction Banking solutions

15 December 2015

Chris Pinkerton joins Intellect SEEC as Head of Life Insurance and Annuities for US

23 November 2015

Intellect SEEC launches Digital Distribution Suite for the UK Life and Pension markets

18 November 2015

Bartleet Religare Securities and Acuity Stock Brokers choose to implement Intellect’s Next Gen Brokerage Solution

26 October 2015

Intellect Q2 FY 16 revenues grow 44% Y-o-Y to Rs 207 Cr

21 October 2015

iGTB announces launch of Release 16 at SIBOS 2015, including Apple Watch support and A.I. KYC

13 October 2015

Intellect ranked #1 in 3 categories at IDC Financial Insights FinTech Real Results Awards

07 October 2015

Intellect SEEC introduces Intellect Risk Analyst – the first-ever virtual assistant for underwriters

28 September 2015

HLBB partners Intellect to ramp up Wholesale Banking services

19 August 2015

Commercial International Bank goes live with Intellect Custody in Egypt

05 August 2015

Intellect Q1 FY 16 revenues grow 34% Y-o-Y

28 July 2015

Tony Cid joins Intellect SEEC as Head of Commercial Insurance

06 July 2015

Intellect recognised as a ‘Global Pursuer’ and a ‘Global Player’ in the 2014 Global Banking Platform Deals ...

30 June 2015

Bank of Ceylon selects Intellect One Treasury Solution, to drive end-to-end treasury management for their India ope...

18 June 2015

Development Bank of the Philippines selects Polaris and Kaisa to transform its Core Banking Operations

09 June 2015

Intellect wins three awards at the Asian Banker Awards 2015, for Core Banking and Multi-Channel Implementations

01 June 2015

Intellect’s “remarkable technology” wins big at Central Banking awards

21 May 2015

HDFC Bank of Sri Lanka chooses to implement Intellect Digital Core to transform its Core Banking Operations

12 May 2015

Intellect wins 12th successive ‘Innovative Product’ award for Octopus

11 May 2015

Intellect revenues grow 14% in FY 2014-15

27 April 2015

Arun Jain named 'Visionary of India 2014-15'

20 April 2015

Middle East banks’ share of global transaction banking revenues to increase by at least 25% by 2025

23 March 2015

Intellect SEEC launches the most advanced underwriting software for Commercial Insurance

05 March 2015

Andrew England joins Intellect as Director and Head of Strategy, iGTB

18 January 2015

Intellect posts solid Q3 Results, grows 11.5%

30 January 2015

Intellect wins two XCelent Awards for Advanced Technology and Breadth of Functionality

29 January 2015

Intellect wins ‘Technology Provider of the Year’ Award at Central Banking Awards 2015

21 January 2015

Intellect SEEC announces exclusive partnership with OutsideIQ for Insurance Risk Analytics and Discovery

12 January 2015