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Archivo del Autor: Belen De Leon

Raisin raises $114M for its pan-European marketplace for savings and investment products

Raisin, the pan-European fintech marketplace for savings and investment products, is disclosing that it has raised $114 million in Series D funding. Existing investors Index Ventures, PayPal, Ribbit Capital and Thrive Ventures all participated in the round, which brings the total raised to date to $200 million.

Tellingly, the fast-growing Berlin fintech says it plans to use the new capital for “strategic acquisitions” and further internationalisation. Although available to customers across the EU from the get-go, Raisin had dedicated market launches in the Netherlands and the U.K. last year, seeing the company expand beyond Germany. It plans to add at least two additional international markets this year.

Originally founded in 2013, Raisin set out to open up the savings deposit market in Europe by taking advantage of EU-wide banking regulation, which goes someway to creating a financial services single market. Specifically, the problem the startup solves is that saving deposit rates differ not only from one local bank offer to another but more noticeably across Europe as a whole.

The Raisin marketplace lets you shop around and compare different rates European-wide. However, the key difference to a comparison site is that, via its own bank partner, the company offers consumers a single interface that includes account opening and anti-money laundering checks, making it easy to switch and continually ensure you get a competitive interest rate.

For the banks that integrate with the Raisin marketplace, especially smaller and midsize banks, they get exposure to customers across Europe that might otherwise never be reached. It also gives them potential access to many more deposits, which helps with their own balance sheet lending and scale.

To that end, Raisin says that it has brokered more than $11 billion in deposits for its 62 partner banks. It claims more than 160,000 customers from 31 different European countries, and says that to date Raisin has helped savers earn $90 million in interest.

Meanwhile, Raisin says the new “infusion” of capital will enable the fintech to strengthen its position as the preeminent online platform that gives Europeans access to the “single financial market” for savings.

Comments Raisin CEO and co-founder Dr. Tamaz Georgadze: “We want to break through unnecessary barriers to profitable saving and share the benefits of open markets – with both consumers and banks. Our central aim is to give savers and financial institutions the ‘Schengen experience’ for banking. Our first five years demonstrate that, indeed, Raisin stands for the saving and investing of the future”.


Source: TechCrunch

Disney admits it isn't very good at video games – CNET

It’s never demonstrated “much skill” in the video game area, says CEO Bob Iger.
Source: CNET

YouTube’s CEO says it will continue addressing monetization issues, admits Rewind 2018 was “cringey”

In an open letter to YouTube creators today, YouTube CEO Susan Wojcicki admitted that even her kids think Rewind 2018 is “cringey.” Meant as a celebratory recap, the video has garnered a record-setting 15 million dislikes so far.

“We hear you that it didn’t accurately show the year’s key moments, nor did it reflect the YouTube you know. We’ll do better to tell our story in 2019,” Wojcicki wrote.

Wojcicki also mentioned important issues like Article 13, proposed legislation in the European Union nicknamed the “meme ban” for its potentially chilling effect on user-generated content and monetization. Many creators saw their revenue hurt during “Adpocalypse” last year after YouTube introduced new policies to placate advertisers.

Intended to keep ads from running in front of videos with objectionable content, creators said the policies also resulted in the demonetization of many videos without a clear reason. But the letter is unlikely to address the concerns of creators who are still trying to recover revenue or gain a better understanding of how YouTube’s policies are enforced.

For example, Wojcicki repeated the statistic that the number of YouTube creators “earning five or six figures in the last year grew more than 40 percent,” which the platform has said since at least December 2017, when Adpocalypse began. (That month, Bloomberg published a story that said YouTube claimed channels making six figures or more in revenue had increased 40 percent over the last year).

But YouTube doesn’t provide much more detail than that and though Wojcicki said that number is proof that creators are “creating the next generation of media companies and we’re thrilled to see how much the YouTube creator economy is thriving,” researchers have found that a very thin sliver of YouTubers ever make it into that revenue bracket.

For example, a professor at Germany’s Offenburg University of Applied Sciences found last year that breaking into the top three percent of most-viewed channels on YouTube might bring in advertising revenue of about $16,800 a year. Those at the very top, or top one percent, often earn revenue through other deals like sponsorships, making it even more difficult to estimate how much of their revenue comes from advertising on YouTube.

Wojcicki also did not address the fact that YouTube has been kicking off many channels that were part of multi-channel networks (MCN), often used by creators who don’t to deal directly with YouTube AdSense.

Videos are removed because they may be at risk of violating YouTube’s terms of service, but creators and MCNs have complained about the lack of transparency into how they are enforced.

Wojcicki acknowledged the communication issues and said YouTube had taken steps to improve it. YouTube Studio, to provide more insight into how videos are performing, will be available to all creators this year. YouTube is also now more responsive on social media channels. Wojcicki said it has increased the number of its responses by 50 percent and made response times 50 percent faster.

Wojcicki also noted that monetization “remains a pain point” for many creators. “Just as a reminder, we started last year with many of our largest advertisers paused because of brand safety concerns,” she wrote.

“We worked incredibly hard to build the right systems and tools to make sure advertisers feel confident investing in YouTube, and most are now back,” she continued. “On the creator side, we’ve been improving our classifiers so that we make the right monetization decision for each video,” adding that YouTube has increased the accuracy of its monetization icon system (which gives creators details about why a video has been monetized or not) by 40 percent and made it easier for creators to appeal decisions.

But she conceded that YouTube still has more work to do. Part of that effort includes giving creators other potential revenue streams, like YouTube Music and YouTube Premium, which has expanded to 29 countries from five at the beginning of 2019. It also lowered the subscriber threshold for channel memberships, which allows viewers to purchase memberships, to 30,000 from 100,000.

The “meme ban”

YouTube creators and other people who rely on the platform as a source of revenue in the EU will have an extra set of headaches to deal with next year. Last September, the EU Parliament voted to back Article 13 of the European Union Directive on Copyright in the Digital Market. Nicknamed the “meme ban” because it would mandate sites with large amounts of user-generated content to take down content that infringes on copyright, the legislation’s vague wording has led to concerns about how it would be enforced.

For YouTube in particular, Article 13 means that it would have automatically scan and filter user uploads for copyright violations, but it is unclear if its existing Content ID system would be enough for it to comply. Although memes and parodies are protected by laws in many countries, upload filters still aren’t advanced enough to differentiate between copyright violations and memes. Article 13’s opponents worry that this can have a chilling effect. Wojcicki wrote last year that it could potentially shut down the ability of millions of people to upload to YouTube and threaten “thousands of jobs” in the EU. YouTube is campaigning for the legislation to be reworded.

In today’s letter, Wojcicki said videos about the issue have been viewed “hundreds of millions of times,” but added that policymakers “lacked an understanding of the European creator community’s impact and size.”

“I shared with legislators the huge economic benefit you all bring to your home countries,” she said. “In France alone, we have more than 190 channels with more than 1 million subscriptions, with the number of E.U. channels reaching that milestone up 70% year over year.”


Source: TechCrunch

Ram's Multifunction Tailgate can open like French doors – Roadshow

This is what Ram alluded to on social media during the Super Bowl.
Source: CNET

Trump Pledges Investment, But Is Silent on Key Tech Issues

Aides trumpet commitment to 5G wireless, AI, and quantum computing, but they go unmentioned in State of the Union.
Source: Wired

Facebook ties employee bonuses to progress on social issues – CNET

Bonuses will now be linked to how well the company tackles issues such as hate speech on the platform.
Source: CNET

Instacart faces class-action lawsuit regarding wages and tips

Instacart is facing another class-action lawsuit pertaining to the way it pays its independent contractors, NBC News reports. Instacart guarantees its workers at least $10 per job, but workers are alleging Instacart offsets wages with tips from customers.

The suit alleges Instacart “intentionally and maliciously misappropriated gratuities in order to pay plaintiff’s wages even though Instacart maintained that 100 percent of customer tips went directly to shoppers. Based on this representation, Instacart knew customers would believe their tips were being given to shoppers in addition to wages, not to supplement wages entirely.”

Instacart has had a rocky relationship over the years with its drivers and shoppers. In 2016, Instacart removed the option to tip in favor of guaranteeing higher delivery commissions. About a month later, following pressure from shoppers, the company reintroduced tipping.

In 2017, Instacart settled a $4.6 million suit regarding claims that the company misclassified its personal shoppers as independent contractors, and also failed to reimburse them for work expenses. As part of the settlement, Instacart was required to change the way it described a service fee, which many people mistakenly thought meant tip. Then, last April, Instacart began suggesting a 5 percent default tip.

In addition to the lawsuit, workers have taken to Reddit and other online forums to speak out against Instacart’s paying practices. Since introducing a new payments structure in October, which includes things like payments per mile, quality bonuses and customer tips, workers have said the pay has gotten worse — far below minimum wage. In one case, Instacart paid a worker just 80 cents for over an hour of work. Instacart has since said it was a glitch — caused by the fact that the customer tipped $10 — and has introduced a new minimum payment for orders. So, Instacart paid the worker $10.80, but just 80 cents of it came from Instacart.

“In other words, Instacart is now confirming what workers have been saying since the change in pay structure: that the company is actually using customers’ tips to pay workers’ wages,” Working Washington, a workers’ organization that represents nearly 2,000 Instacart shoppers, wrote on its blog. “When a customer tips up-front, it doesn’t mean extra money for the worker. Instacart just pays the worker less to make up for it.”

While Instacart has said this was an edge case, Working Washington says this has happened in other cases. In another case, Instacart paid a worker just $7.26 (including cost of mileage) for over two hour’s worth of work.

“Obvious explanation: the customer tipped $25,” the organization writes.

It’s not totally clear how widespread this issue is, but it does not appear to be an anomaly, according to Working Washington.

“My sense is that the pay cuts are pretty much universal — workers pretty consistently reporting getting 25% or so less after the change,” Sage Wilson, an organizer at Working Washington, told TechCrunch. “The taking tips part they have admitted is policy for smaller jobs but we have seen good evidence that it extends further than that. We have a page with some collected screenshots here: https://www.workingwa.org/instacart/receipts.”

Next week, this group plans to hold a meeting for Instacart workers nationwide. Similarly, DoorDash is also under fire, with workers alleging DoorDash is paying drivers less, depending on how much they get tipped.

TechCrunch reached out to Instacart several hours ago and has yet to receive a response. We are also awaiting comment from DoorDash.


Source: TechCrunch

House Democrats get down to business on tech issues – CNET

Net neutrality, FCC oversight, T-Moible-Sprint merger, and Apple’s FaceTime debacle are all getting attention from Democratic leaders on the House Energy and Commerce Committee.
Source: CNET

State of the Union: How to watch Trump's address online – CNET

President Donald Trump will address a joint session of Congress, and here’s how you can follow along live.
Source: CNET

Aston Martin is bringing a Lagonda All-Terrain Concept to Geneva – Roadshow

The high-riding concept previews an electric SUV for 2021.
Source: CNET

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