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Archivo del Autor: Belen De Leon

Filing Your Taxes? Watch Out for Phishing Scams

Online scammers love to target taxpayers, and their schemes range from posing as the IRS to pushing malware and fake tech support.
Source: Wired

Swedish fintech Zaver has raised $1.2M seed for its P2P payments platform

Zaver, a Swedish fintech that has built a payments platform to facilitate peer-to-peer trades and more, has picked up just over $1.2 million in seed funding. Backing the burgeoning startup are VC firms Inventure and Inbox Capital, as well as a number of relatively well-established angel investors.

They include Joen Bonnier (partner at Atomico), Tom Dinkelspiel, Pontus Hagnö, Fabian Hielte (owner of Ernström & C:o and a previous investor in Spotify and iZettle), Bo Mattsson (founder of Cint), and Fredrik Österberg (founder of Evolution Gaming).

Aiming to disrupt the market for p2p payment solutions, Zaver is developing a SaaS and accompanying apps to bring together buyers, sellers and merchants with the promise of “secure payments on your terms”. The fintech startup aims to facilitate trades between peers by enabling the use of flexible payment methods such as direct payments, “buy now, pay later” and instalments.

To support this, Zaver’s platform claims to embed “intelligent fraud detection” algorithms in tandem with the automatic creation of “verified digital agreements” between transacting parties.

“The Zaver app is the first platform independent checkout solution for p2p transactions,” says Amir Marandi, who co-founded Zaver alongside Linus Malmén — both former engineering students at KTH Royal Institute of Technology.

“With Zaver’s intelligent fraud prevention, automated and immediate credit decisions and cryptographically signed digital receipts, peers can do safe payments on their own terms with people they really don’t know that well,” he says. “We try to make p2p trades as safe as possible for all parties involved and offer flexible payment options, without compromising on the user experience”.

In addition, Zaver for Business enables merchants to utilise the platform to increase conversion and reduce transaction costs. “Our mission with this product is to reduce the need of a physical card reader,” adds Marandi.

Zaver’s typical user is described as a young student who wants to sell their iPhone on a classified site in a secure way, or a plumber who wants to buy a used VW Golf today, and pay later. Meanwhile, the typical customer of Zaver for Business is a company with omni-channel sales, selling products/services online and offline.

“Our main competitors are not the kind of business you might expect,” explains Marandi. “It’s not the banks, but rather upcoming startups wanting to innovate the payment industry. The most ‘direct competitor today I would say is the credit card industry”.

To that end, Zaver makes money from the transaction fees it charges merchants (which it says are up to 70 percent cheaper than traditional payment services), and on interest charged when someone chooses to pay via instalments.

Adds Marandi: “Using automated systems for the entire customer journey we are able to offer individualised interest rates at the point of sale. The system automatically chooses an interest rate for you, based on your creditworthiness”.


Source: TechCrunch

iMac 5K 27-inch (2019) review

Apple now has four types of iPads — the budget iPad, the iPad Mini, the iPad Air, and the iPad Pro. For professionals that are reluctant of the price of the highest-tier iPad Pro, the iPad Air is the tablet to buy.

The post iMac 5K 27-inch (2019) review appeared first on Digital Trends.


Source: Digital trends

Africa Roundup: Jumia files for IPO, OneFi acquires Amplify, FlexClub expands in Mexico

Less than a decade ago IPOs, acquisitions, and global expansion by African startups were more possibility than reality. March saw all three from the continent’s tech scene.

Pan-African e-commerce company Jumia filed for an IPO on the New York Stock Exchange, per SEC documents and confirmation from chief executive Sacha Poignonnec.

In an updated filing, (since the March 12 original) Jumia indicated it will offer 13,500,000 ADR shares, for an offering price of $13 to $16 per share to trade under the ticker symbol “JMIA”. The IPO could raise up to $216 million for Jumia.

Since our first story (and reflected in the latest SEC docs) Mastercard Europe agreed up front to buy $50 million in Jumia ordinary shares.

With a smooth filing process, Jumia will become the first African startup to list on a major global exchange. The company is incorporated in Germany, but maintains its headquarters in Nigeria, and operates exclusively in Africa with 4000 employees on the continent.

The pending IPO creates another milestone for Jumia. The venture became the first African startup unicorn in 2016, achieving a $1 billion valuation after a funding round that included Goldman Sachs, AXA and MTN.

Founded in Lagos in 2012 with Rocket Internet backing, Jumia now operates multiple online verticals in 14 African countries. Goods and services lines include Jumia Food (an online takeout service), Jumia Flights (for travel bookings) and Jumia Deals (for classifieds). Jumia processed more than 13 million packages in 2018, according to company data. The company has started to generate annual revenues over $100 million, but like many burn-rate startups, has done so while racking up big losses.

There’ll be a lot more to cover, analyze, and debate pre and post Jumia’s NYSE bell toll—which could happen in coming weeks or months. For example, can Jumia generate a profit, is it really an African startup, will Jumia become an acquisition target for a big outside name or an acquirer of smaller startups in African e-commerce? Stay tuned for continuing TechCrunch coverage.

On the acquisition front,  Lagos based online lending startup OneFi bought Nigerian payment solutions company Amplify for an undisclosed amount.

OneFi is taking over Amplify’s IP, team, and client network of over 1000 merchants to which Amplify provides payment processing services, OneFi CEO Chijioke Dozie told TechCrunch.

The purchase of Amplify caps off a busy period for OneFi. Over the last seven months the Nigerian venture secured a $5 million lending facility from Lendable, announced a payment partnership with Visa, and became one of first (known) African startups to receive a global credit rating. OneFi is also dropping the name of its signature product, Paylater, and will simply go by OneFi (for now).

Collectively, these moves represent a pivot for OneFi away from operating primarily as a digital lender, toward becoming an online consumer finance platform.

“We’re not a bank but we’re offering more banking services…Customers are now coming to us not just for loans but for cheaper funds transfer, more convenient bill payment, and to know their credit scores,” said Dozie.

OneFi will add payment options for clients on social media apps including WhatsApp this quarter—something in which Amplify already holds a specialization and client base. Through its Visa partnership, OneFi will also offer clients virtual Visa wallets on mobile phones and start providing QR code payment options at supermarkets, on public transit, and across other POS points in Nigeria.

On the back of the acquisiton, OneFi is in the process of raising a round and will look to expand internationally, considering Senegal, Côte d’Ivoire, DRC, Ghana and Egypt and Europe for Diaspora markets.

On African startups expanding globally, FlexClub—a South African venture that matches investors and drivers to cars for ride-hailing services—announced it will expand in Mexico in a partnership with Uber after closing a $1.2 million seed round led by CRE Venture Capital.

The move comes as Africa’s tech-transit space continues to produce unique mobility solutions shaped around local needs.

FlexClub touts itself as a “gig economy investment platform” that is creating new asset classes in emerging markets, according to chief executive and co-founder Tinashe Ruzane.

That asset class, for now, is ride-hail vehicles. FlexClub allows investors to go on the site and purchase a car (ultimately managed and serviced by FlexClub). The startup then connects that car to an Uber driver who uses earnings to pay a weekly rental charge.

Those fees generate monthly, fixed-rate interest income for the investor. The driver has the option of buying the car after the 12 months, with a descending purchase price over time.

FlexClub’s platform manages the investment, rental income, and disbursement of funds across all parties. The startup also handles insurance, maintenance, and upkeep of the cars.

Ruzane envisions this as a model to finance multiple asset classes in emerging markets—where lending options are fewer for individuals who may not have credit histories.

“Our goal is to make this completely passive… where investors can invest in different kinds of assets on our platform, login to a dash, and see this is how my five cars in South Africa are doing, my vans in Mexico, my motorbikes in Indonesia — with a diversified portfolio around the world,” he explained.

FlexClub will begin work matching investors to cars and Uber drivers in Mexico in April. The startup sees opportunities to move into other mobility classes, such as Africa’s ride-hail motorcycle taxi and three-wheel tuk-tuk market, CEO Tinashe Ruzane told TechCrunch in this feature.

And finally, francophone Africa will see a boost in funds and support for startups. The Dakar Network Angels group launched last month, making its first investment to cleantech venture Coliba—an Ivorian startup that uses a mobile app to coordinate waste recycling

The deal is part of Dakar Network Angels’ mission of convening experts and capital to bridge the resource gap for startups in French-speaking Africa — or 24 of the continent’s 54 countries.

The organization — which goes by DNA for short — will offer seed fund investments of between $25,000 to $100,000 to early-stage ventures with high growth potential. These rounds will come with the entrepreneurial guidance of DNA’s angel network.

Launched in Senegal, the organization’s founder is Marieme Diop — a VC investor at Orange Digital Ventures — named the goal of bridging VC disparities between francophone and non-francophone Africa as the primary driver for DNA. She pointed to funding data by Partech indicating that 76 percent of investment to African startups goes to three English-speaking countries — Nigeria, Kenya and South Africa.

To gain consideration for DNA investment, startups must gain referral by a member. DNA will take a minority stake (less than 10 percent) in ventures that receive seed funds and provide program mentorship until exits, Diop told TechCrunch.

To become an angel, members must commit to investing a minimum of $10,000 a year (for those coming on as individuals), $20,000 (for corporates) and be on hand to support the portfolio startups, according to DNA’s Corporate Membership Charter.

More Africa Related Stories @TechCrunch

African Tech Around The Net


Source: TechCrunch

Nauta Capital launches €55M ‘sidecar’ fund to double-down on its later-stage portfolio

Nauta Capital, the pan-European VC that invests in “capital-efficient” B2B software companies and consumer tech, has announced the closing of a new €55 million “sidecar” fund dedicated to backing its existing later-stage portfolio companies.

The VC firm, with offices in London, Barcelona and Munich, typically invests in early-stage technology startups from late seed and at Series A. The new dedicated later-stage fund will be used to inject follow-on capital, mainly from Series C onwards.

The idea is to double-down on its most promising portfolio companies as they continue to scale up and raise later-stage funding, thus ensuring Nauta Capital doesn’t become too diluted. It also should be a draw for future co-investors who can be given assurances that Nauta has the capital required to join in on larger follow-on rounds.

“With this new follow-on fund, we can further support our portfolio, alongside other co-investors, throughout a company’s entire lifetime until exit,” says Carles Ferrer Roqueta, General Partner at Nauta Capital.

The VC has backed more than 40 companies. Existing portfolio include Brandwatch, Marfeel, BeMyEye, ForceManager, MishiPay, Talentry, Nextail and zenloop.

Meanwhile, Nauta Capital’s sidecar fund is said to be backed by the firm’s current investors hailing from continental Europe, the U.K. and the Americas. They include British Patient Capital, the European Investment Fund, the ICF and the ICO.

Below follows an email Q&A with Nauta Capital General Partner Carles Ferrer Roqueta, where we discuss the need for a sidecar fund, why now, and how Nauta Capital views Brexit.

TC: Your calling this a ‘sidecar’ fund for follow on investments, but many early-stage VCs earmark a portion of their main fund for follow on, so how is this any different?

CFR: Our funds indeed have dedicated follow-on reserves for existing portfolio companies. We are actually very conservative when calculating the amount of reserves we have for each of our investments to make sure we can support each of our companies throughout their growth. Having said this, some companies grow very fast and raise more money than expected initially, and then it may become difficult for our existing funds to maintain or use their full pro-rata. On the other hand, some companies may take longer to fully develop and more rounds can happen in the future, and these timings may not necessarily match with our funds that had initially backed them. In these situations, a sidecar fund is ideal to keep on supporting our companies with our family of funds that also gives a positive sign to new follow-on investors joining the company.

TC: Is this new follow on fund a sign of how high European valuations are right now, in the sense that it is designed to ensure you don’t get too diluted in future rounds?

CFR: Our model tends to stay away from over-heated valuations and we are very disciplined on the structures of our deals, which resemble each other. By consistently avoiding overpaying on deals, pressure for the next round is naturally released. When our companies progress well they then naturally see valuations grow rapidly, and some of these companies can use more funds to foster growth further. Our dilution is quite naturally protected in these situations, but still, when increasing capital is needed for growth acceleration on mature companies, our early stage funds may not always see a possible full pro rata participation. So our sidecar fund takes care of these situations.

TC: A fund of €55 million doesn’t feel like a lot of money for post Series C across potentially 40 plus companies. How do you see the maths playing out?

CFR: This is our first sidecar fund and we will learn a lot from it. Future sideCar funds we may raise may be larger once we fully test the model. We targeted 50M but the appetite across existing investors was very good, so we expanded it a bit further. We basically went back some years in time and checked how much money our funds had not been able to deploy on late stage follow on rounds. With real data we then made sure we will now have this vehicle that represents an upside opportunity for our investors in companies that are already in our portfolio, so naturally decreases risk also for them. Our portfolio has grown and will continue to grow with new early stage funds we will raise, so more opportunities for bigger sidecar funds may appear in the future.

TC: Did Brexit come into your thinking here or complicate things with regards to raising this new fund?

CFR: No, it was not an issue for us. We are a pan-European player with a very strong presence in London, Barcelona and Munich. We are fully committed to the U.K. with a strong team of 8 people and investing out of this hub in the U.K., Ireland and companies that use the U.K. as a landing platform. For instance, we have led an investment in a Helsinki-based company that has already created a 10 people team in London. In addition, we have 2 further offices in Barcelona and Munich, and that gives us a pretty good local access to deal-flow and talent around our different investment hubs. Our LP investors include fund of funds, financial institutions, one endowment, insurance, family offices and government agencies, all across the U.K., Continental Europe, Asia and the Americas.

TC: More broadly, what would be your favoured outcome for the U.K. and Brexit?

CFR: Hard to tell with the recent events at Parliament! I genuinely believe that the most important thing is, independent of the outcome, to bring back certainty to fundamental issues like access to talent, funding and feasible frictionless trade and communication. Situations of impasse are always tricky in long cycle industries like VC. Our portfolio companies, although very agile by nature, need certainty for the long term. I am sure this will be achieved.


Source: TechCrunch

Huawei P30 Pro vs. Galaxy S10 Plus: Which Android phone will be king? – CNET

Huawei hopes the P30 Pro’s four cameras will topple the Galaxy S10 Plus.
Source: CNET

The Internet Archive has uploaded 450,000 songs collected before Myspace’s massive data loss

Last month, it became widely known that MySpace has lost much of the user data uploaded to it before 2016, including potentially million of music tracks from between 2003 to 2015. This is a significant loss for people who may not have used the site anymore, but took for granted that it would remain an online scrapbook of the years when Myspace was the go-to social network, including for musicians promoting their work. A new collection of MP3s hosted by the Internet Archive, however, may help some users recover lost music (and memories).

Called the MySpace Music Dragon Hoard, the collection contains 450,000 songs. While this is just a small percentage of the tracks reportedly lost (according to estimates, up to 53 million songs from 14 million artists were deleted), it contains early work from now-famous artists including Donald Glover and Katy Perry, as Twitter user @pinkpushpop discovered.

Jason Scott of the Internet Archive said on Twitter that the set was compiled by “an anonymous academic group who were studying music networks and grabbed 1.3 terabytes of mp3s to study from MySpace in roughly 2008-2010 to do so.” After learning about the data loss, they offered the collection to Scott.

While it appears that the tracks were lost during a data migration, MySpace has remained tight-lipped about the situation, leading to speculation that the loss may not have been accidental.


Source: TechCrunch

Instagram, Youtube and Facebook could face fines (and jail time) under new Australian laws – CNET

New Australian laws target the sharing of “abhorrent violent material,” threaten large fines for social media companies and leave individual executives open to jail time.
Source: CNET

Game of Thrones premiere: Twitter slayed by Brienne of Tarth's red carpet look – CNET

Gwendoline Christie staves off winter by setting the red carpet — and social media — alight.
Source: CNET

Game of Thrones: Biggest questions and boldest predictions ahead of season 8 – CNET

‘What is the best Game of Thrones episode ever?’ and other burning questions ahead of the season 8 premiere.
Source: CNET

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