IBM ODM vs SAS Viya: 2026 Comparison for Enterprise Decisioning

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Quick Summary

IBM ODM vs SAS Viya compared for 2026: a two-decade-mature enterprise BRMS with built-in maker-checker governance versus SAS Viya's analytics-and-ML platform with decisioning bundled in. Governance, TCO, and fit by use case inside.

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IBM ODM vs SAS Viya: 2026 Comparison for Enterprise Decisioning
Mukul Bhati
Last updated on  
August 7, 2026

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IBM ODM and SAS Viya are both mature enterprise platforms with six-figure licensing, but IBM ODM is a purpose-built decisioning BRMS with governance on day one, while SAS Viya bundles decisioning as one module inside a much broader analytics and ML suite.

Teams usually arrive at this comparison from one of two directions. Some are already running IBM ODM for enterprise-grade decisioning and are evaluating SAS Viya because a specific requirement — analytics coupling, statistical model integration, or a different vendor relationship — has pushed them to look elsewhere. Others are comparing both from scratch, trying to understand whether SAS Viya (Enterprise analytics and ML platform with intelligent decisioning as one bundled component (not a standalone rules platform)) is worth its cost and operating model relative to IBM ODM's built-in governance and purpose-built decisioning focus.

Below, we break down how IBM ODM and SAS Viya actually compare across eleven capability dimensions — from rule ownership and governance safety to AI-native decisioning and total cost of ownership — so you can see past the marketing to what each platform actually delivers in production, and what building the gaps yourself would cost either way.

Quick Comparison: IBM ODM vs SAS Viya vs Nected

IBM ODMSAS ViyaNected
TypeMature enterprise BRMS with governance built inEnterprise analytics and ML platform with intelligent decisioning as one bundled component (not a standalone rules platform)API-first decisioning platform
Best forLarge enterprises needing built-in maker-checker governance across regulated domainsAnalytics-first enterprises with an existing SAS investment whose decisioning is tightly coupled to statistical models and predictive scoresTeams needing authoring speed and enterprise governance together
Who can author rulesBusiness analysts via Business Console (training required)Analysts and data scientists only, via SAS Studio — no no-code editor exists; every change requires SAS language, Python, or R familiarityBusiness + Ops + Engineering (self-service with approvals)
Governance & approvalsYes (built-in maker-checker)No native maker-checker for rule changes — organizations must build this externallyBuilt-in Maker/Checker + Approval flows
DeploymentCloud, on-premises, or hybridCloud (AWS, Azure, GCP), hybrid, and on-premises — all requiring SAS-certified platform administrationCloud + Private Managed + Self-hosted
Time to first production ruleWeeks (Rule Execution Server deployment cycle)9-12 months (platform provisioning + SAS training)1–2 days to weeks
3-Year TCO (1000 TPS)$1.8M–$4.8M$1.9M–$5M$315K–$849K
License cost≥$120K/yr$150K–$400K+/yr (platform license, quote-based, module add-ons extra)From $10,788/yr
Primary tech stackJava (Java EE / WebSphere, IBM Cloud Pak) — runs on Java 21 and legacy IBM infrastructureSAS language / Python / R, running on CAS (Cloud Analytic Services) — Kubernetes-based deploymentLightweight Go

How We Evaluated IBM ODM and SAS Viya

IBM ODM and SAS Viya sit in different corners of the decisioning market — a purpose-built enterprise BRMS versus an analytics suite with decisioning as one bundled module — and this comparison uses an outcome-first approach focused on what each platform actually delivers for an operational decisioning workload, not what either claims about analytics or governance capability broadly.

We covered capability completeness across practical decisioning outcomes, implementation timelines from first rule to governance-mature deployment, and total cost modeled over three years — including license, infrastructure, implementation, and the custom engineering or Professional Services work each platform's gaps typically require. ROI scenarios were evaluated at 100 TPS and 1,000 TPS baselines.

What Is IBM ODM?

IBM Operational Decision Manager (ODM) is a two-decade-mature enterprise BRMS with a Business Console for rule authoring and built-in maker-checker governance, deployed on-premises or via Cloud Pak — no SaaS option. It requires dedicated IBM experts to operate and runs into six-figure licensing before implementation even begins. Governance is a genuine strength: maker-checker approval, granular RBAC, and enterprise-grade audit trails all ship on day one, without custom engineering. The tradeoffs are real too — no built-in workflow orchestration (BPM tooling is separate), no AI-native decisioning, Java-only custom logic, and a Rule Execution Server deployment cycle that takes weeks for structural changes. Read the full IBM ODM overview →

What Is SAS Viya?

SAS Viya is SAS Institute's cloud-native analytics platform — trusted by 90% of the Fortune 100 and a Gartner ML Magic Quadrant Leader for 8 consecutive years — with SAS Intelligent Decisioning as one component of a much broader analytics and data science suite. Authoring happens in SAS Studio and requires SAS, Python, or R familiarity; there is no no-code rule editor, and every rule change routes through a SAS-trained analyst or admin. Pricing runs $150K–$400K+/year in platform license fees before infrastructure or Professional Services, with a typical 9-12 month implementation timeline. Read the full SAS Viya overview →

IBM ODM vs SAS Viya: Head-to-Head Capability Comparison

Ownership & Change Velocity

CapabilityIBM ODMSAS ViyaNected
Rule OwnershipBusiness analysts via Business Console (training required)Analysts and data scientists only, via SAS Studio — no no-code editor exists; every change requires SAS language, Python, or R familiarityBusiness + Ops + Engineering (self-service with approvals)
Change VelocityWeeks (Rule Execution Server deployment cycle)Weeks — decision flow authoring, CAS data loading, and deployment pipeline all sit upstream of any change going liveMinutes to hours (no-code changes, no redeploy needed)
Business User Self-ServicePartial (Business Console UI, training-gated)No — a product manager or ops analyst cannot be given Viya access and expected to manage decision logic; every change routes through IT or a data science teamYes (business users can manage rules independently)
Approval WorkflowsYes (built-in maker-checker)No native maker-checker for rule changes — organizations must build this externallyBuilt-in Maker/Checker + Approval flows

IBM ODM's Business Console gives business analysts a genuine authoring surface, though training-gated, and structural changes route through a weeks-long Rule Execution Server deployment cycle. SAS Viya's ownership model is more restrictive still — there is no no-code editor at all, and every change, even a simple threshold update, requires SAS Studio access and SAS/Python/R familiarity.

Governance Safety & Control

CapabilityIBM ODMSAS ViyaNected
RBAC (Role-Based Access Control)Yes (built-in, granular)Platform-level RBAC only, genuinely granular for SAS Studio/CAS/deployment access, but not rule-specificYes (built-in RBAC)
SSO (Single Sign-On)YesYes (enterprise tier)Yes (built-in SSO)
Audit TrailsYes (built-in, enterprise-grade)Platform-level audit logs only, not decisioning-specific — compliance teams can't get rule-change history without custom reportingYes (built-in audit trails for every rule & workflow)
Maker/Checker FlowsYes (built-in, day one)NoYes (native staging → prod with reviews)
Security & ComplianceBroad enterprise compliance coverageSOC 2, ISO 27001, GDPR certified at the platform levelSOC 2 Type 2 / ISO 27001 / GDPR compliant (built-in)
Data SecurityEnterprise-gradeEnterprise-grade, Kubernetes-based deployment, SAS-administeredEnterprise-grade security with encryption

This is IBM ODM's clearest advantage over SAS Viya: built-in maker-checker approval, granular RBAC, and enterprise-grade audit trails ship on day one. SAS Viya's governance is platform-level (controlling SAS Studio, CAS, and deployment pipeline access) rather than rule-specific, with no native maker-checker for rule changes at all — that governance layer has to be built externally.

Workflow & End-to-End Automation

CapabilityIBM ODMSAS ViyaNected
Workflow AutomationNot built-in — decision-only BRMSDecision flows chain rules and model scores together, but there's no business-user workflow orchestration layerYes (native workflow editor)
Multi-Trigger SupportYes (IBM middleware integration)REST API only for core decisioning; webhooks/event triggers require the separately licensed SAS Event Stream Processing moduleYes (API, Webhooks, Events, and Scheduled triggers)
Rule ChainingYesYes (decision flows combine business rules, decision tables, and model scoring outputs)Yes (built-in rule chaining)
Global AttributesBasic shared attribute supportAdmin-configured only — no self-service attribute libraryYes (built-in Global Attributes & Attribute Library)
End-to-End Journey AutomationRequires separate BPM tooling (not included)Requires SAS Event Stream Processing as a separate add-on for event-driven, multi-step decisioningYes (unified decisioning & automation in one platform)

IBM ODM is a decision-only BRMS with no built-in workflow orchestration — multi-step processes require separate BPM tooling IBM doesn't include. SAS Viya's decision flows can combine business rules with model scoring outputs, a genuine capability for analytics-heavy decisioning, but event-driven, multi-step orchestration requires the separately licensed SAS Event Stream Processing module.

Performance, Scale & Reliability

CapabilityIBM ODMSAS ViyaNected
Response TimeManaged SLA (cloud tier)Achievable sub-100ms P95, but depends heavily on CAS memory tier configuration and whether the flow includes model scoring — not a predictable out-of-box SLASub-50ms P95 (guaranteed SLA)
ScalabilityYes, with configurationHorizontal scaling via CAS node provisioning, but auto-scaling is platform-wide and admin-managed, not decisioning-team-controlled1500+ RPS vertically, auto-scaling
Uptime99.9%+ (cloud tier)Enterprise SLA available, custom terms, admin-managed99.9%+ uptime SLA
Performance OptimizationPlatform-managedRequires ongoing CAS tuning — an admin task, not a one-time setupBuilt-in performance optimization
Real-Time DecisioningYesYes, latency-consistency depends on CAS configurationYes (real-time response guaranteed)

IBM ODM's cloud tier offers a managed SLA and configurable scalability through IT configuration. SAS Viya's execution sits on CAS, and while that infrastructure is genuinely powerful for model-informed decisioning, achieving predictable sub-100ms latency for pure operational rules requires ongoing CAS tuning — an admin task, not a one-time setup.

Integrations & API

CapabilityIBM ODMSAS ViyaNected
Database IntegrationIT-configured middlewareNo no-code connector catalog — every new data source requires SAS admin configuration of CAS connectionsYes (direct DB connectors, no-code integrations)
API IntegrationREST + SOAPREST API exposure for decision flows is functional and is the primary integration point for non-SAS systemsYes (comprehensive API access, no-code integrations)
File ProcessingAvailable via middlewareAdmin-configured via CAS data loadingYes (document processing via S3 connector)
Multi-Source Data AccessAvailable via IT configurationAdmin-configured — CAS table loading and connections sit upstream of any decision flowYes (databases, APIs, and datasets natively used in decisions)
Excel-like FunctionsNot a core featureNot available — no formula/expression editor; custom logic requires SAS language or PythonYes (Excel-like functions for business users)
Custom Code (JS)Java onlySAS language or Python/R only — no modern JavaScript scriptingYes (Custom Code JS with instant deployment)

IBM ODM supports REST and SOAP through IT-configured middleware rather than a self-service connector catalog. SAS Viya's integration model is built entirely around CAS — every new data source requires a SAS admin to configure a CAS connection, and there's no native GitHub Sync for decision flow versioning.

AI-Native Decisioning

CapabilityIBM ODMSAS ViyaNected
AI AgentsNoNoYes (AI Agents available)
AI CopilotNoSAS Viya Copilot exists but is data-scientist tooling (model-building, scoring) — not an AI Copilot that helps a business user draft or modify a rule in natural languageYes (built-in AI Copilot)
AI-Driven DecisionsNoYes — genuine strength for analytics-heavy decisioning (AutoML, model scoring integration via SAS Model Manager)Yes (native AI/ML integration)
AI IntegrationsDIY custom integrationMCP server integration (platform-level, analytics-oriented)Yes (native AI integrations)
Future AI CapabilitiesNo published AI roadmapActively developed on the analytics/ML side; no roadmap specific to no-code rule authoringContinuously updated

IBM ODM has no AI-native decisioning capability at all — no AI Copilot, no AI-driven decisions, and any AI integration is a DIY custom build with no published roadmap. SAS Viya's AI is a different story: SAS Viya Copilot and AutoML are genuinely advanced data-scientist tooling for model building and scoring, though none of it functions as an AI Copilot that helps a business user draft or modify a rule in natural language.

Multi-Development SDLC Lifecycle

CapabilityIBM ODMSAS ViyaNected
VersioningYes (Decision Center)Versioning exists through SAS Model Manager, but it's oriented around model lifecycle, not business rule versioning in a decision tableYes (built-in versioning for every rule & workflow)
RollbackYesAdmin-managed through the SAS deployment pipeline — not a one-click action for whoever made the changeYes (built-in rollback capability)
CI/CD IntegrationAvailable via middleware integrationNo native GitHub Sync — decision flow versioning lives inside SAS Viya's own mechanisms, disconnected from source controlYes (built-in CI/CD and Git integration)
Test HarnessYesSAS decision tracing exists for analysts to inspect flow evaluation, but it's analyst-facing, not a structured test harnessYes (built-in test harness)
Parallel Run SupportAvailable with configurationNot prominently documentedYes (parallel run support for safe deployments)
Staging to ProductionYes (native)Admin-managed deployment pipeline, not self-service environment promotionYes (native staging → prod workflow)
Code Review ProcessBuilt-in approval workflowsNot rule-specific — platform-level change management onlyBuilt-in approval workflows

IBM ODM's Decision Center provides genuine versioning, rollback, and native staging-to-production promotion — a real governance strength. SAS Viya's versioning runs through SAS Model Manager, oriented around model lifecycle management rather than business rule versioning, with rollback handled as an admin-managed deployment pipeline operation.

Support & Enterprise Confidence

CapabilityIBM ODMSAS ViyaNected
Professional Support24/7 enterprise supportEnterprise support included, but migration assistance and dedicated solutions engineering are billed separatelyYes (professional support with SLAs)
Training ProgramsIBM training programsNot included — separate cost; weeks of ramp time even for analysts with existing SAS experienceYes (training programs available)
Management DashboardYes (Decision Center)Not decisioning-specific — SAS Visual Analytics is a general BI/reporting layer, separate from rule managementYes (built-in management dashboard)
DocumentationComprehensive IBM documentationComprehensive for the analytics platform; documentation gaps emerge in advanced troubleshooting scenarios per reviewersYes (comprehensive documentation)
Enterprise SLAsYes (enterprise)Yes (enterprise, custom terms)Yes (uptime and response time guarantees)
Community SupportLarge enterprise install baseLarge enterprise install base, Fortune 100-heavy, but oriented toward data science practitioners, not rules-platform usersCommunity + professional support

IBM ODM ships 24/7 enterprise support and a large install base backed by IBM's broader enterprise ecosystem. SAS Viya's enterprise support tier is included, but migration assistance and dedicated solutions engineering are billed separately — on top of a platform license already running $150K-$400K+/year.

Testing Confidence & Explainability

CapabilityIBM ODMSAS ViyaNected
Test HarnessYesSAS decision tracing exists for analysts to inspect flow evaluation, but it's analyst-facing, not a structured test harnessYes (built-in test harness)
Explainability / Reason CodesYesSAS decision tracing is analyst-facing model interpretability — not a compliance-ready 'why did this rule fire?' answer for business or regulatory reviewYes (built-in reason codes)
Debug ModeYesAnalyst-facing decision tracing onlyYes (built-in debug mode)
What-If ScenariosAvailableNot prominently documented as a business-user-facing featureYes (what-if scenario testing)
Execution TracingYesYes, but analyst-facing rather than compliance/audit-orientedYes (built-in execution tracing)
Business Logic ExplainabilityAvailableNot built for business-user consumption — SAS tracing outputs are analyst-facingYes (automatic business logic explainability)

IBM ODM provides built-in test harness and explainability tooling as part of Decision Center — a real governance strength. SAS Viya's decision tracing is analyst-facing model interpretability, genuinely useful for a data scientist debugging a model score, but not a compliance-ready "why did this rule fire?" answer for a business or regulatory reviewer.

Cloud-Native & Language-Agnostic

CapabilityIBM ODMSAS ViyaNected
Deployment OptionsCloud, on-premises, or hybridCloud (AWS, Azure, GCP), hybrid, and on-premises — all requiring SAS-certified platform administrationCloud + Private Managed + Self-hosted
White LabellingAvailable (cloud tier)Not prominently documentedYes (cloud and self-hosted)
Multi-TenancyYes (cloud tier)Not prominently documented as a decisioning-specific featureYes (built-in multi-tenancy)
Language SupportJava-only rule logicSAS, Python, R, Java, Lua, and REST APIs — broad for data science teams, but none of it is no-code for business usersSDKs for multiple languages
ContainerizationAvailableKubernetes-based deployment, admin-managed, with significant CPU/memory/storage requirements reviewers cite as costlyYes (container-native support)
API AccessREST + SOAPREST API for decision flow executionYes (comprehensive Management / Admin APIs)

IBM ODM supports cloud, on-premises, and hybrid deployment, though rule logic is Java-only. SAS Viya supports cloud, hybrid, and on-premises deployment too, but every option requires SAS-certified platform administration and Kubernetes infrastructure that reviewers describe as costly "even for bare minimum setup."

Observability & Operational Intelligence

CapabilityIBM ODMSAS ViyaNected
Real-Time MonitoringYesPlatform-level monitoring, not decisioning-specificYes (real-time monitoring dashboards)
Execution TracingYesYes, but analyst-facing rather than compliance/audit-orientedYes (built-in execution tracing)
Decision AnalyticsYesAnalytics-heavy by design, but oriented around model performance, not rule-level decision analyticsYes (decision analytics built-in)
Business-Friendly ReportsYesSAS Visual Analytics provides BI dashboards, separate from any decisioning-specific reportingYes (business-friendly reports)
Metrics ExportAvailableNot prominently documented for decisioning specificallyYes (metrics export capability)
Management DashboardYes (Decision Center)Not decisioning-specific — SAS Visual Analytics is a general BI/reporting layer, separate from rule managementYes (built-in management dashboard)

IBM ODM's Decision Center delivers real-time monitoring, decision analytics, and business reports as native platform features. SAS Viya's reporting runs through SAS Visual Analytics — a genuinely capable BI layer, but built for general analytics output, not decisioning-specific reporting a compliance or ops team could use directly.

When to Choose IBM ODM

Choose IBM ODM if your requirement is a general-purpose enterprise BRMS with built-in maker-checker governance on day one — SAS Viya's analytics-suite depth and cost only make sense if statistical modeling, not rule execution, is the primary workload.

When to Choose SAS Viya

Choose SAS Viya if your decisioning is genuinely analytics-first — decision flows that need tight, native coupling with statistical models and predictive scores — and your organization already runs SAS with dedicated SAS-certified administration staff.

When Neither Is the Right Answer

IBM ODM's governance is genuinely strong, but it comes with Java-only rule logic, no AI-native decisioning, no built-in workflow orchestration, and six-figure licensing before implementation even begins. SAS Viya solves for a different problem entirely — analytics-driven decisioning bundled with a full data science suite — and imports genuine complexity, cost, and a hard SAS-staffing dependency for any team whose actual need is operational rules, not statistical modeling.

Nected is worth a serious look if:

  • You want IBM ODM's governance depth — Maker/Checker approval flows, granular RBAC, full audit trails — without the Java-only rule logic, six-figure licensing, or weeks-long deployment cycle
  • You need multi-step decisioning — rules, external API calls, and workflow branching in one authored flow — without adopting separate BPM tooling or licensing a separate event-processing module
  • You need AI-assisted rule authoring — neither IBM ODM nor SAS Viya ships a business-user-facing AI Copilot, while Nected's can take a full PRD and build a complete decision package
  • Your requirement is genuinely rules-only, and you don't want to license, provision, or staff for an analytics platform sized around statistical modeling and CAS infrastructure
  • Your 3-year cost matters: Nected's modeled TCO runs $315K–$849K over three years, a fraction of both IBM ODM's $1.8M–$4.8M and SAS Viya's $1.9M–$5M at the same throughput

Nected is used by 500+ teams including PUMA, Bajaj Auto, and TATA 1mg. It's API-first, ships rule changes from a visual builder with a draft/publish lifecycle, and includes native Maker/Checker approval flows — matching IBM ODM's governance depth without the analytics-suite overhead SAS Viya assumes every buyer needs.

Total Cost of Ownership Comparison

Cost ParameterIBM ODMSAS ViyaNected
License + Support (per year)≥$120K/yr$150K–$400K+/yr (platform license, quote-based, module add-ons extra)$20K–$80K/yr
Year 1 TCO (100 TPS)≥$540K≥$550K$105K–$283K
3-Year TCO (1000 TPS)$1.8M–$4.8M$1.9M–$5M$315K–$849K
Implementation TimeWeeks (Rule Execution Server deployment cycle)9-12 months (per reviewer accounts)1–2 days to weeks
Migration Time to Nected2–3 weeks6–10 weeks

What the Numbers Actually Mean

IBM ODM's cost is driven by enterprise licensing (≥$120K/yr) plus the IBM expertise required to operate Rule Execution Server infrastructure — governance comes built-in, but so does the six-figure floor before implementation begins. SAS Viya's cost is driven almost entirely by platform license fees calibrated to analytics capacity (CAS infrastructure, Visual Analytics, Model Manager) that a pure decisioning workload uses only a fraction of. Nected's positioning undercuts both: $315K–$849K over three years, without the Java-only constraints of IBM ODM or the analytics-capacity overhead baked into SAS Viya's license.

Migration Story

Teams migrating between IBM ODM and SAS Viya (in either direction) typically do so once they've clarified whether their actual workload is deterministic rules — eligibility, pricing, routing — or model-driven scoring requiring tight statistical coupling. Teams moving off SAS Viya specifically tend to cite that they were running a full analytics platform to execute logic a rules-only BRMS could handle more directly.

"SAS Viya works well when decisions reference model scores directly. For the eligibility and pricing rules that make up most of our volume, we were running a full analytics platform to execute logic a dedicated BRMS should own outright." — Illustrative migration pattern, insurance sector

Migrating from SAS Viya typically completes in 6–10 weeks, with the deterministic rule logic extracted from existing decision flows and rebuilt in the target platform's rule/decision table constructs, running both systems in parallel on representative production inputs until output parity is confirmed before cutover.

Frequently Asked Questions

Is IBM ODM better than SAS Viya?

Choose IBM ODM if your requirement is a general-purpose enterprise BRMS with built-in maker-checker governance on day one — SAS Viya's analytics-suite depth and cost only make sense if statistical modeling, not rule execution, is the primary workload. Choose SAS Viya if your decisioning is genuinely analytics-first — decision flows that need tight, native coupling with statistical models and predictive scores — and your organization already runs SAS with dedicated SAS-certified administration staff.

Does IBM ODM ship built-in maker-checker approval for rule changes?

Yes. IBM ODM's Business Console and Decision Center provide native maker-checker governance on day one, without requiring custom engineering. SAS Viya, by contrast, has no native maker-checker for rule changes — organizations must build that governance layer externally.

Can SAS Viya handle pure operational business rules without the analytics stack?

Technically yes — SAS Intelligent Decisioning can express deterministic eligibility, pricing, and routing logic. But it's authored in SAS Studio, requires SAS/Python/R familiarity, and runs on CAS infrastructure sized for analytics workloads. Reviewers describe using "a fraction" of what they're paying for when the actual need is rules-only.

Does SAS Viya let business users author or change rules themselves?

No. There is no no-code rule editor in SAS Intelligent Decisioning — every change, even a simple threshold update in a decision table, requires SAS Studio access and familiarity. IBM ODM's Business Console, while training-gated, is at least designed for business-analyst use.

What makes Nected different from IBM ODM and SAS Viya?

Nected ships built-in Maker/Checker approval workflows, granular RBAC, full audit trails, no-code business-user rule authoring, native workflow orchestration, and AI-assisted rule authoring — all as platform features, without requiring an analytics stack, CAS infrastructure, or Java-only rule logic.

How long does migration from SAS Viya to IBM ODM typically take?

Roughly 6-10 weeks. Most of that time goes into extracting the deterministic rule logic from SAS decision flows (separating it from any model-scoring dependencies) and rebuilding it in IBM ODM's Business Console/Decision Center rule artifacts, since the two authoring paradigms don't map one-to-one.

Why do teams compare IBM ODM against SAS Viya?

IBM ODM and SAS Viya are both mature enterprise platforms with six-figure licensing, but IBM ODM is a purpose-built decisioning BRMS with governance on day one, while SAS Viya bundles decisioning as one module inside a much broader analytics and ML suite.

See how Nected compares to both → Nected vs IBM ODM

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Mukul Bhati

Mukul Bhati, Co-founder of Nected and IITG CSE 2008 graduate, previously launched BroEx and FastFox, which was later acquired by Elara Group. He led a 50+ product and technology team, designed scalable tech platforms, and served as Group CTO at Docquity, building a 65+ engineering team. With 15+ years of experience in FinTech, HealthTech, and E-commerce, Mukul has expertise in global compliance and security.