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Archivo del Autor: Belen De Leon

Best flower delivery services in 2020 – CNET

Because who has time to go to professional florists?
Source: CNET

Best air mattresses for 2020: REI, SoundAsleep and more, compared – CNET

We inflated and slept on 10 of the most popular air mattress models, from Intex, Coleman, King Koil and more. Here’s what we learned.
Source: CNET

Samsung confirms February 11 event for its next flagship launch

The Saturday night before CES seems like a less than ideal time to drop some big smartphone news — but it appears Samsung’s hand was forced on this one. Granted, the smartphone giant has never been great about keeping big news under wraps, but this morning’s early release of a promo video through its official Vimeo channel was no doubt all the motivation it needed.

The company has just made the February 11 date officially official for the launch of its upcoming flagship. As for what the flagship will be called, well, that (among other things) leaves some room for speculation. Rumors have pointed to both the more traditional S11, along with the more fascinating jump to the S20.

I’ve collated a bunch of the rumors into an earlier post. The TLDR is even larger screens across the board, coupled with a bunch of camera upgrades and a healthy battery increase. The invite art, which matches the earlier the video, appears to confirm the existence of two separate devices, with different dimensions. That could well point to the reported followup to the Galaxy Fold. In additional to better reinforced folding (a follow up to last year’s issues), the device reportedly adopts a clamshell form factor, more akin to the newly announced Motorola Razr.

More info (and rumors) to come. As ever, we’ll be there (San Francisco) as the news breaks.


Source: TechCrunch

Galaxy S11 will launch Feb. 11 at Samsung Unpacked in San Francisco – CNET

Evidence is also mounting that Samsung will unveil a foldable phone rival to the Motorola Razr that closes into a square.
Source: CNET

2020 will be a challenging year for challenger banks

Over the past year, startup banks have proven that they have a shot at disrupting retail banking. These challengers have amassed a war chest of funding, announced some ambitious international expansion plans and attracted millions of customers.

And yet, building a bank has proven to be even harder than building a startup in general. Retail banks aren’t willing to sit back and watch startups eat their lunch. Here’s a look back at the biggest moves of the year from challenger banks, some trends you should keep an eye on and the upcoming challenges for those startups.

A year of aggressive growth

Due to the regulatory framework and the size of the market, it is much easier to launch a challenger bank in Europe compared to anywhere else in the world. That’s why challenger banks have been thriving in Europe.

When a company gets a full banking license from the central bank of a EU country, the startup can passport its license across all EU countries and operate across the continent.

N26 raised a ton of money in 2019: last January, the Berlin-based startup announced a $300 million funding round, raising another $170 million in July. The company is now valued at $3.5 billion.

With more than 3.5 million customers in Europe, N26 announced some ambitious expansion plans. N26 is now live in the U.S. and is already planning a launch in Brazil.

Revolut has also been aggressively expanding in order to beat its competitors to new markets. In addition to its home market in the U.K., Revolut is available across Europe. In 2019, the company expanded to Singapore and Australia and currently has at least 8 million users.

While Revolut announced that it should launch in the U.S. and Canada by the end of last year, the clock ran out on that prediction. The startup has been very transparent about its expansion plans, even though it sometimes means that you have to wait months or even years before a full rollout.

For instance, Revolut announced in September 2018 that it would launch in New Zealand, Hong Kong and Japan “in the coming months.� It later became “early 2019,� then “2019.� India, Brazil, South Africa, Mexico and the UAE have also all been mentioned at some point. In other words: launching a banking product in a new country is hard.

The U.S. is a tedious market as you have to get a license in all 50 states to operate across the country

Monzo has been doing well at home in the U.K. It has attracted 3 million customers and raised £113 million (~$144m) in funding last year from Y Combinator’s Continuity fund. It is expanding to the U.S., but the rollout has been slow.

Nubank is another well-funded challenger bank. Backed by Tencent, the startup has raised a $400 million Series F round from TCV. According to the WSJ, the startup has a valuation above $10 billion.

Originally from Brazil, Nubank expanded to Mexico and has plans to expand to Argentina.

Chime is increasingly looking like the bigger player in the U.S., recently raising a $500 million funding round and reached a valuation of $5.8 billion. It only operates in the U.S.

Starling Bank and Atom Bank only operate in the U.K. Bunq is based in Amsterdam with a product tailor-made for the Netherlands, but it accepts customers across Europe.

This isn’t meant to be an exhaustive list as it’s becoming increasingly hard to cover all challenger banks.

Subscription-based business model

There are a few basic features that separate challenger banks from legacy retail banks. Signing up is extremely simple and only requires a mobile app. The mobile app itself is usually much more polished than traditional banking apps.

Users receive a Mastercard or Visa debit card that communicates with the company’s server for each transaction. This way, users can receive instant notifications, block and unblock their cards and turn off some features, such as foreign payments, ATM withdrawals and online transactions.

Challenger banks usually customers promise no markup fees on transactions in foreign currencies, but there are sometimes some limits on this feature.

So how do these companies make money? When you pay with your card, banks generate a tiny, tiny interchange fee of money on each transaction. It’s really small, but it could become serious revenue at scale with tens of millions or hundreds of millions of users.

Challenger banks also offer other financial services like insurance products, foreign exchange or consumer credit. Some challenger banks develop those features in house, but many of those features are actually managed by external fintech partners. Challenger banks generate a commission on those products.

But the most promising product is premium subscriptions. While challenger banks started with free accounts and low, transparent fees, they have been selling premium subscriptions for a fixed monthly fee.

Challenger banks have become a software-as-a-service industry with a freemium component

For example, Revolut offers premium accounts for €7.99 per month with higher limits, some insurance benefits that you’d expect from a premium card and access to advanced features, such as cryptocurrencies and disposable virtual cards. There’s a super premium product for €13.99 called Metal with a metal card design, cashback on card payments and access to a concierge feature.

This seems a bit counterintuitive, but premium subscriptions have been performing well, according to discussions with people working in the industry. You pay a lot in subscription fees in order to avoid small transactional fees. (And you also get a cool card.)

Challenger banks have become a software-as-a-service industry with a freemium component. It leads to a premium positioning and high expectations from customers.

Revolut’s fees top out at €13.99/month.

Upcoming challenges


Source: TechCrunch

Australian fires: Everything we know and how you can help – CNET

Bushfires have been ravaging the country for months, devastating towns, rural communities and livelihoods. Here are the best ways to help.
Source: CNET

Dating Sunday: Tips for making the most of online dating's busiest day – CNET

On platforms like Match, Bumble and Zoosk, this weekend is expected to bring a dating stampede. Make it work for you.
Source: CNET

How to watch the Bills vs. Texans NFL Wild Card game without cable – CNET

Welcome to Wild Card weekend!
Source: CNET

Give your Aston Martin a friend with a special-edition Airbus helicopter – Roadshow

Aston Martin designed four exterior and interior themes for this chopper.
Source: CNET

A venture firm that invests ‘from Park City to Kansas City’ just closed its third fund

Sometimes, in venture capital, it pays to specialize. The latest indicator is a Kansas City, Mo.-based venture firm that’s focused on seed-stage startups that are based anywhere from “Park City to Kansas City.” According to an SEC filing, it just closed on $16.4 million in capital commitments. It’s the third fund for the outfit, Royal Street Ventures, which was founded several years ago by two Kansas City natives — Laura Brady and Jeffrey Stowell.

It’s an interesting piece of geography to be so focused on, partly because, well, it leaves out a lot of opportunities elsewhere.

At the same time, the firm is hardly the first to plant a flag in an underserved area, then get to work. It’s hard to remember now, but when Foundry Group opened its doors in 2007 in Boulder, Colorado, it didn’t have many, if any, competitors kicking the tires of local startups — or bidding up valuations. Similarly, former Sequoia Capital investors Mark Kvamme and Chris Olsen hightailed it to Columbus, Ohio, in 2013 based on a hunch that there were plenty of savvy founders in the Midwest who investors on both coasts were missing.

Certainly, Brady and Stowell, who previously worked for a bank and the innovation center out of which Royal Street sprang, aren’t having trouble putting money to work. They’ve written checks to at least 40 Midwestern and Western U.S. startups since the firm’s launch in 2016, including an organic snack company in Park City called Allgood Provisions; a Kansas City company called BacklotCars that’s building marketplace for the wholesale automotive industry; and a weather data company in Overland Park, Ks., called Main Street Data.

They’re also making the occasional investment in a startup off the beaten path. Blueboard, for example, an employee recognition and incentives program, is based in San Francisco.

Either way, the team’s new fund underscores a growing tendency on the part of limited partners to make bets on parts of the U.S. that are on the rise, thanks partly to soaring costs in places like the Bay Area and New York, as well as competition for talent in such tech hubs — a constant tug-of-war can hobble a startup before it gains meaningful momentum.

Among the highest-profile advocates for the trend, of course, is AOL founder Steve Case, who has been banging the drum about startups in underserved areas all over the U.S. in recent years. Case has also been helping to raise investing capital for them through seed funds dubbed Rise of the Rest, the second of which was announced back in October.


Source: TechCrunch

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