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Archivo del Autor: Belen De Leon

Facebook hit with housing discrimination charges by US government – CNET

The Department of Housing and Urban Development says the social network violated the Fair Housing Act with targeted ads.
Source: CNET

Spotify is testing Premium Duo for €12.49 per month

Spotify just started selling a new subscription in Ireland called Premium Duo, as The Verge spotted. You guessed it, this subscription tier is designed for couples, roommates and all combinations of two persons who live under the same roof. It is a bit more expensive than a Premium account and a bit less expensive than a Family account.

If you have three or four persons in your family, a Premium for Family account makes sense. For $14.99 per month (or €14.99, £14.99), you can upgrade up to six different accounts to Premium.

But what if you’re just two persons? Many people choose to share a single account because it only costs $9.99 per month (or €9.99, £9.99).

There are some drawbacks and it is against the terms and conditions of the service. For instance, you can only play music on one device at a time, so you might pause music on your friend’s device when you start playing music.

With Spotify Duo, the company would introduce a new price point at €12.49 per month — it would likely cost $12.49 in the U.S. and £12.49 in the U.K., but it’s only available in Ireland for now. The only requirement is that you need to live at the same address.

Based on Spotify’s website, the system works just like Premium for Family. Every user creates a separate Spotify account, the person who pays the bill can send an invitation link so that other can join your group. You can unlink your accounts whenever you want.

It’s clear that the company targets people who share the same account. “And because you’re now on separate accounts, music recommendations are tailored to your individual tastes,” Spotify says on its website.

That’s why the company is also adding a new feature called Duo Mix. This is a shared playlist between the two members of the Premium Duo account. It features songs that you have both liked. You can choose between a chill mix and an upbeat mix. You can also filter out explicit content.

Let’s see if Spotify manages to increase the subscriber base with this new option. In its latest earnings release, Spotify said that the average revenue per premium user was €4.89. Family plans seem to be incredibly popular already.


Source: TechCrunch

Apple Card's underwhelming features won't spark Google, Samsung copycats – CNET

Payment experts say the card probably won’t draw in savvier consumers, which means Apple’s chief rivals won’t rush in to compete.
Source: CNET

How AI helps facial recognition really get to know your face – CNET

There are privacy concerns, but facial recognition can smooth our path through a digital world.
Source: CNET

Apple's big services push? It has iPhone written all over it – CNET

From Apple Card and Apple Arcade to the News Plus and TV Plus services, everything still works best on Apple’s smartphone.
Source: CNET

Dog-proofing your car: How to keep your pups safe and secure – Roadshow

Most dogs love going for rides, but the fur and the claws and the slobber can do a number on your interior if left unprotected. Here are a few tips and products for keeping your car clean and your puppers safe.
Source: CNET

PayIt, a payments platform designed for public services, raises $100M+ from Insight Partners

Government services, for many, epitomize the worst of bureaucracy: they are, at their low point, large, lumbering organizations working under strained budgets, staffed by lifer employees who don’t get much say in improving things, and lots of paperwork. But as ageing public information infrastructure grinds to a halt and public services start making the switch to digital, that image is slowly starting to change, and the tech companies helping this along are reaping some of the rewards.

Today one them, PayIt — which has designed a platform to take payments and produce related documentation for public services through web and mobile interfaces — announced that it has raised a hefty funding round of over $100 million to tap that opportunity.

PayIt’s platform is currently operational in the US and covers a variety of applications that fall under the general category of public services that require government organizations and agencies to take money from us, and issue us with certificates and other documents confirming we have done something official. They include Courts and Citations, Environmental Services, Health and Human Services, Motor Vehicle, Parks and Wildlife Services, Professional Licensing, Public Safety, Taxes, Turnpike and Tolling, and Utilities.

The plan for PayIt will be to expand that list to cover more use cases, to win more business in the US, and to also begin the process of breaking into more international markets.

The funding is coming from a single investor, Insight Partners (which used to go by Insight Venture Partners), and it is also notable because of some of the funding context.

Since its founding in 2013, PayIt had only raised $11 million, John Thomson — the CEO who co-founded and runs the company with Michael Plunkett (COO) in Kansas City — told me in an interview.

And in case you are wondering, Thomson added that the reason they’re not disclosing a more exact funding figure — or PayIt’s valuation — is because the company doesn’t want the financial aspects to be the focus: both because he wants this to be about expansion, and because he doesn’t want to give too much information to competitors.

Indeed, while the market is massive — in the US alone, Thomson estimates that some $2 trillion flows between public services and constituents annually — it is also crowded with payment companies that want to tap some of that for themselves.

Competitors include other payment platforms that work with government services such as Aliant, other payment providers like Stripe and PayPal, companies like Visa, and sometimes even the governments itself. Thomson does not what PayIt’s own share of the pie is except to note that it is handling a “small but rapidly growing percentage of the market.”

As citizens, we all know some of the pain points of older systems: they might require in-person visits or snail mail to make payments and procure various official documents. (DMV appointments, for one, can take months to sort out.) As Thomson describes it, what’s going on under the hood is equally as inefficient and slow moving.

“To do business with the government — whether its US, state or local — the entire burden in many cases is placed on constituents,” Thomson said. Behind the scenes, it’s also bad. There can be “as many as six or seven systems in use to handle a request, a payment and more.”

The idea is that PayIt has built a platform that can integrate all of that into a single process, behind a single front end. “Payments happen in the form of a wallet,” he said, adding that PayIt handles sensitive information in the cloud and doesn’t require users to re-enter too many details, or for too many organizations to have to hand off information between each other to complete a payment subsequent document order. “Consumers love it because it’s like interacting with a business in the private sector,” he said.

PayIt’s notable for straddling two big areas — fintech and govtech. While the former has seen a ton of innovation that has mirrored the growth of the internet overall, tech companies (and governments) have really only started to scratch the surface with the latter. It will be interesting to see how this develops both in terms of innovation, but also where people will potentially draw a line on too much centralised and digitised information. Recent moves in India around Aadhar — which is now the world’s largest biometric ID system — have been more than a little controversial.

For now, however, there are a lot of incremental processes to fix and make efficient, and that is where PayIt sits for now.

Insight Partners is an interesting investor for PayIt in that regard. The VC has a track record for backing startups that are using tech to disrupt and rethink legacy infrastructure, with previous investments including WordPress’s Automattic, BlaBlaCar and N26 in Europe, Docusign and many more.

“What excited us most about the PayIt platform is its ability to scale and make a true impact on a broad base of stakeholders,” said Ryan Hinkle, Managing Director at Insight Partners, in a statement provided to TechCrunch.

“We’ve all dreaded having to wait in line for a new driver’s license, or jump through hoops to pay for a parking ticket. It’s clear that with PayIt, that doesn’t have to be the reality. PayIt seeks to dissolve those stressful interactions making processes seamless and simple for constituents and governments, allowing issues to be resolved and revenue to be collected efficiently. At Insight Partners, we’re looking forward to helping John and the team scale the best-in-class platform they’ve already built, and reach new constituents and governments with these solutions.”


Source: TechCrunch

Kong raises $43M Series C for its API platform

Kong, the open core API management and lifecycle management company previously known as Mashape, today announced that it has raised a $43 million Series C round led by Index Ventures. Previous investors Andreessen Horowitz and Charles River Ventures (CRV), as well as new investors GGV Capital and World Innovation Lab also participated. With this round, Kong has now raised a total of $71 million.

The company’s CEO and co-founder Augusto Marietti tells me that the company plans to use the funds to build out its service control platform. He likened this service to the “nervous system for an organization’s software architecture.”

Right now, Kong is just offering the first pieces of this, though. One area the company plans to especially focus on is security, in addition to its existing management tools, where Kong plans to add more machine learning capabilities over time, too. “It’s obviously a 10-year journey but those two things — immunity with security and machine learning with [Kong] Brain are really a 10-year journey of building an intelligent platform that can manage all the traffic in and out of an organization,” he said.

In addition, the company also plans to invest heavily in its expansion in both Europe and the Asia Pacific market. This also explains the addition of World Innovation Lab as an investor. The firm, after all, focuses heavily on connecting companies in the US with partners in Asia — and especially Japan. As Marietti told me, the company is seeing a lot of demand in Japan and China right now, so it makes sense to capitalize on this, especially as the Chinese market is about to become more easily accessible for foreign companies.

Kong notes that it doubled its headcount in 2018 and now has over 100 enterprise customers, including Yahoo! Japan, Ferrari, SoulCycle and WeWork.

It’s worth noting that while this is officially a Series C investment, Marietti is thinking of it more like a Series B round given that the company went through a major pivot when it moved from being Mashape to its focus on Kong, which was already its most popular open source tool.

“Modern software is now built in the cloud, with applications consuming other applications, service to service,” said Martin Casado, general partner at Andreessen Horowitz . “We’re at the tipping point of enterprise adoption of microservices architectures, and companies are turning to new open source-based developer tools and platforms to fuel their next wave of innovation. Kong is uniquely suited to help enterprises as they make this shift by supporting an organization’s entire service architecture, from centralized or decentralized, monolith or microservices.”


Source: TechCrunch

Tracking Readers’ Eye Movements Can Help Computers Learn

As we read, our eyes reveal what words go together, and which are the most important. Researchers are applying that data to help neural networks understand language.
Source: Wired

'Why Don't You Want Kids?' 'Because Apocalypse!'

For those on the subreddit r/childfree, the reasons to consider childfreedom extend far beyond baby hatred, questions of bodily autonomy, or suboptimal finances.
Source: Wired

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