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Archivo del Autor: Belen De Leon

2020 Lincoln Corsair first drive review: Little Lincoln, big luxury – Roadshow

Lincoln’s new compact SUV makes a solid first impression, cramming many of the same luxury features and smart technologies of the larger Aviator into a smaller, more accessible frame.
Source: CNET

2020 Lincoln Corsair first drive: The littlest Lincoln is still quite luxurious video – Roadshow

Boasting many of the same big luxury features and smart technologies of the larger Aviator, Lincoln’s new compact SUV makes a solid first impression.
Source: CNET

iOS 13's Apple Maps update makes sure you never feel bad for running late again – CNET

Apple continues to challenge Google Maps.
Source: CNET

The compact, comfortable 2020 Lincoln Corsair – Roadshow

We hit the road in the compact Lincoln Corsair. The newest model in the automaker’s stable boasts most of the luxurious technologies we enjoyed on the larger three-row Aviator.
Source: CNET

Bnext raises $25 million for its mobile banking alternative

Fintech startup Bnext has raised a $25 million funding round. The Spanish company is building a banking product and has managed to attract 300,000 active users.

DN Capital, Redalpine and Speedinvest are leading today’s funding round. Existing investors Founders Future and Cometa are also participating. Other investors include Enern, USM and Conexo.

When you open a Bnext account, you get a card and you can upload money to your account. Bnext accounts aren’t technically bank accounts — the company has an e-money license. You can then use your card and spend money anywhere around the world without any foreign transaction fee. You can also freeze and unfreeze your card from the app.

“As of now we’ll stick to the e-money license, as our international expansion plans complicate potential passporting of banking licenses. We will first need to understand in which countries makes more sense to get a banking license, and then we’ll make a decision,â€� co-founder and CEO Guillermo Vicandi told me.

You can also connect to your traditional bank accounts from the Bnext app. This way, you can manage your money from a single app.

And Bnext takes this one step further by offering financial products from third-party companies as well. It’s clear that the company wants to build a financial hub, the only finance app that you need.

You can lend money to small and medium businesses and earn interests through October, you can save money using Raisin, you can get a loan, a mortgage, an insurance product, etc. Bnext generates revenue from those partnerships.

While Bnext only operates in Spain for now, the company has managed to attract 300,000 active users. It processes €100 million in transactions every month ($109 million).

Up next, Bnext plans to offer premium plans with more features and individual IBANs. The company also plans to expand to Latin America, starting with Mexico later this year.


Source: TechCrunch

Jobpal pockets $2.7M for its enterprise recruitment chatbot

Berlin-based recruitment chatbot startup Jobpal has closed a €2.5 million (~$2.7M) seed round of funding from InReach Ventures and Acadian Ventures.

The company, which was founded back in 2016, has built a cross-platform chatbot to automate candidate support and increase efficiency around hiring by applying machine learning and natural language processing for what it dubs “talent interaction”.

The target customers are large enterprises with Jobpal offering the product as a managed service.

For these employers the pitch is increased efficiency by being able to rapidly respond to and engage potential job applicants whenever they’re reaching out for more info via an always-on channel (i.e. the chatbot) which is primed to respond to common questions.

Candidates can also apply for vacancies via the Jobpal chatbot by answering a series of questions in the familiar messaging thread format. Jobpal says its chatbot can also be used to screen applicants’ CVs and recommend the most promising candidates.

It takes care of the logistical legwork of scheduling interview appointments — leaving HR departments with more time to spend on more meaningful portions of the recruitment process.

Co-founder and CEO Luc Dudler tells TechCrunch it has more than 30 enterprise clients at this stage, generating “thousands of conversations” per day. Customers he name checks include the likes of Airbus, Deutsche Telekom and McDonald’s.

The software works on popular messaging platforms including WhatsApp, Facebook Messenger, WeChat and SMS, and is available in 15+ languages — though Jobpal confirms the German market remains its largest so far.

“The sheer volume of interest and number of questions enterprises receive from prospective talent is often difficult to deal with, which results in a suboptimal experience and frustrated candidates. Conversational interfaces and Natural Language Processing enable us to deliver a candidate-centric experience and increase the efficiency of the recruiting function,” says Dudler, arguing that the recruitment landscape has become “candidate first” — putting the onus on enterprises to get the “candidate experience” right.

“This technology allows employers to engage with candidates when they want and on the platforms they use, such as WhatsApp. This gives control to the candidates, meaning they can get answers in a matter of seconds, instead of days or weeks. For Internal HR teams, they can spend time more time finding the best talent, as jobpal automates tedious and time-consuming tasks, allowing recruitment teams to focus on more value-add tasks.”

“We focus mainly on communication and engagement, and our customers only do in-house recruitment. We don’t work with agencies,” he adds.

Jobpal points to increased engagement from use of its chatbot — claiming companies are seeing more queries from jobseekers than they used to receive emails, as well as arguing the “low-friction” approach is accessible and convenient and leads to increased conversion rates.

With any automated process there could be a risk of biased and unequitable outcomes — depending on the criteria the chatbot is using to sift candidates. Although Jobpal says it’s not using algorithms to take recruitment decisions, so the biggest bias risk looks to be in the hands of the employers setting the criteria.

Misinterpretation of candidates’ queries based on the technology failing to understand what’s being asked could potentially lead to responses that disproportionately disadvantage certain applicants. Though Jobpal says queries that are too complex are routed to a human to deal with.

“We get a lot of queries about the application process/deadline/evaluation, qualifications needed, supporting documents, working hours, growth options and salary that Jobpal is designed to deal with,” says Dudler, of Jobpal candidate users. “Our chatbots don’t answer questions that are too personal, too obscure or anything non-recruitment related such as customer service queries.”

“Jobpal stores the query data but it’s de-associated from the candidate data. This data is used to train AI models which supports general communication as well as company-specific chatbots. We don’t mine or sell candidate profiles, and we don’t do algorithmic decision making in the recruitment process,” he adds.

The software integrates with a number of enterprise Human Capital Management suites at this point, including SAP SuccessFactors, Workday, Oracle (formerly Taleo), Avature and Smartrecruiters.

The seed round follows what Dudler couches as “a huge increase in demand” — with the team spying an opportunity for further growth.

“We’ll be investing in product development and tripling our headcount in the next 12 months. Specifically, we are looking to recruit a VP of marketing,” he tells us.

Chatbots still strike many consumers as robotic — and even irritating — but the technology has nonetheless been flourishing in the customer support and recruitment space for several years now. Business areas where there’s no shortage of repetitive tasks for automating. And where being able to offer some level of service 24/7 is a major plus.

On the hiring front, the power imbalance between employer and job applicant might even make interfacing with a bot more appealing for a candidate than the pressure of talking to an actual human who already works at the target employer.

For certain types of jobs employee churn can also be incredibly high — making hiring essentially a neverending task. Again, chatbots are a natural fit in such a scenario; being scalable, they take the strain out of repeat and formulaic conversations — with the promise of a smooth pipeline of candidate conversions.

Given all that there’s now no shortage of recruitment chatbots touting automated support for HR departments. At the same time there’s unlikely to ever be a one-size fits all approach to the hiring problem. It’s a multifaceted, multi-dimensional challenge on account of the spectrum of work that exists and jobs to be filled, and indeed the human variety of jobseekers.

This is why there are so many different ‘flavors’ and ‘styles’ of chatbots offering to assist, some with algorithmic matching, and/or targeting different types of employers and/or jobs/industry (or indeed jobseekers; passive vs active) — others just super basic tools (such as the Jobo bot which alerts jobseekers to vacancies matching criteria they’ve specified).

Some more sophisticated chatbot examples include MeetFrank (passive job matching); Mya (for recruiting agencies and massive enterprises, including for shift filling); Vahan (low skilled, blue-collar job-matching for high attrition delivery jobs); and AllyO (conversational AI for “end-to-end HR management”).

While a few recruitment chatbots that are closer to what Jobpal is offering include the likes of Ideal, Brazen and Xor, to name three.

With so much chatbot competition pledging to ‘streamline recruitment’ by applying automation to the hiring task, employers might be forgiven for thinking they have a fresh choice headache on their hands.

But for startups applying AI technology to ‘fix recruitment’ by making talk cheap (and structured), the patchwork of players and approaches still in play suggests there’s ongoing opportunity to grab a slice of a truly massive market. 


Source: TechCrunch

In the dual-class shares debate, the big exchanges should get off the sidelines

Adam Neumann’s fall from grace was astonishingly swift once his company, WeWork, filed to go public in August. Even while his spending was fairly well-documented across time (as were his apparent conflicts of interest), he was humiliated for enriching himself, then ultimately kicked out of the corner office before the company, in the least surprising turn of events in recent weeks, today yanked its S-1 registration.

Neumann never exactly hid who he is or how he operates, so what suddenly sparked the ire of reporters — and investors — around the world? What, exactly, in an ultimately unsurprising IPO filing had people coughing up their morning coffee? Boiled down to the worst offense (including selling his own company the trademark “We” for $5.9 million in stock) was very likely the lock on control that Neumann had set up through a multi-class voting structure that aimed to cement his control. And by ‘cement,’ we mean he would enjoy overwhelming control for not just for 5 or 10 years after the company went public but, unless Neumann sold a bunch of of his shares, until his death or “permanent incapacity.”

Given that Neumann is just 40 years old and (mostly) abstains from meat, that could have been an awfully long time. Yet this wasn’t some madcap idea of his. There are plenty of founders who have or who plan to go public with dual or multi-class shares designed to keep them in control until they kick the bucket. In some cases, it’s even more extreme that that.

Consider at Lyft, for example, Logan Green and John Zimmer hold high-voting shares entitling them to twenty votes per share not until each is dead but both of them. If one of them dies or becomes incapacitated, Lyft’s so-called sunset clause enables the remaining cofounder to control the votes of the deceased cofounder. Even more, after the lone survivor bites the dust, those votes still aren’t up for grabs. Instead, a trustee will retain that person’s full voting powers for a transition period of 9 to 18 months.

The same is true over at Snap, where cofounders Evan Spiegel and Bobby Murphy have designated the other as their respective proxies. Accordingly, when one dies, the other could individually control nearly all of the voting power of Snap’s outstanding capital stock.

Unbelievably, that’s not the worst of it. Many dual class shares are written in such a way that founders can pass along control to their heirs. As SEC Commissioner Robert Jackson, a longtime legal scholar and law professor, told an audience last year, it’s no academic exercise.

You see, nearly half of the companies who went public with dual-class over the last 15 years gave corporate insiders outsized voting rights in perpetuity. Those companies are asking shareholders to trust management’s business judgment—not just for five years, or 10 years, or even 50 years. Forever.

So perpetual dual-class ownership—forever shares—don’t just ask investors to trust a visionary founder. It asks them to trust that founder’s kids. And their kids’ kids. And their grandkid’s kids. (Some of whom may, or may not, be visionaries.) It raises the prospect that control over our public companies, and ultimately of Main Street’s retirement savings, will be forever held by a small, elite group of corporate insiders—who will pass that power down to their heirs.

Why public market investors haven’t pushed back on such extremes isn’t clear, though they’re far from an homogenous group, of course. Surely, some aren’t aware of what they’re agreeing to when they’re buying shares, given that dual-class structures are far more prevalent than they once were. Other investors may plan to churn out of the shares so quickly that they’re uninterested in a company’s potential governance issues later in time.

A third possibility, suggests Jay Ritter, who is a professor of finance at the University of Florida and an IPO expert, is that even with dual-class structures, shareholders have legal rights that limit that ability of an executive who has voting control to do anything he or she wants. Further, the board of directors, including the CEO, has a fiduciary duty to maximize shareholder value.

Says Ritter, “I don’t think it’s accidental that with the We Company, the board of directors let [Neumann] get away with various things, and as it was transitioning to a public company, a lot of [outside participants] pushed and said, ‘This is a company where we’re worried about corporate governance and we’re willing to apply a big discount to people with inferior voting rights.’”

Some investors believe visionary founders should be left to control their companies as long as they wish because, in the case of Alphabet and Facebook specifically, their founders have produced asymmetric returns for many years. But we’re still fairly early into this experiment. Do we really want more situations like we saw with Sumner Redstone of Viacom, with trials over founders’ mental capacity playing out in the media?

For his part, Alan Patricof — the renowned venture capitalist who founded the private equity firm Apax Partners before cofounding the venture firm Greycroft — say he isn’t looking forward to that future. Instead, he think it’s time the exchanges that list companies’ shares do something about it. “I”m not holier than thou in this industry,” says Patricof, “but if you want to be a publicly traded company, you should act like a public company.” To Patricof, that means one vote for one share — period.

There’s a precedent for intervention. Patricof notes that dual-class stock first emerged in 1895 and by that 1926, there were 183 companies with such stock. It became so widespread that the New York Stock Exchange banned the use of non-voting stock until 1956, when it altered its rules for the Ford Motor Company, which only wanted to grant partial voting rights to new shareholders. In the ensuing years, few companies took advantage of dual-class listings until Google bounded onto the scene and now, 15 years after its IPO, it’s like 1926 all again.

Indeed, while Patricof is sympathetic to the argument that founders might need protection for a few years after an IPO, things have gone way too far, in his estimation, and he thinks the best solution would be for the NYSE and Nasdaq to meet for lunch and decide to ban multi-class shares again.

There aren’t a lot of other options. VCs aren’t going to force the issue by turning away founders with whom they want to work. Neither are bankers or large institutional investors like mutual funds; they’ve also shown they’re more than happy to look the other way if it means money in their pockets. “I could be wrong,” says Patricof, “but I don’t think it would that tough for [the big exchanges] to impose a ban that keeps founders from wielding so much power at the expense of the company’s other shareholders.”

Given how fiercely competitive the exchanges are, it’s certainly hard to imagine, this meeting of the minds. But the only other plausible path back to a saner system would seemingly be the Securities & Exchange Commission, and it seems disinclined to do anything about the issue.

Though Commissioner Jackson has advocated for change, he’s leaving the agency soon. Meanwhile, SEC Chairman Jay Clayton would clearly prefer to leave well enough alone. After the S&P Dow Jones Indices and another major index company, FTSE Russell, decided to ban all companies with multiple classes of stock a couple of years ago — they’re uncomfortable with forcing popular index funds to buy stakes in companies that give investors little say — Clayton reportedly called the moves “governance by indexation” at a conference. He’s worried that the indexes are being heavy-handed.

But something has to give, and a lot of market participants might rather see companies being forced to abandon dual-class shares — or, at least, forced to dismantle their multi-class structures after a fixed period — than wait and watch while those with unchecked power get broken into pieces afterward.

The reality is that neither WeWork nor Neumann are the zany outliers they’ve been made to seem. They’re very much a product of their time, and if public market shareholders don’t want to see more of the same, changes must be made. It might be incumbent on the exchanges to make them.


Source: TechCrunch

Khatabook raises $25M to help small businesses in India record financial transactions digitally and accept online payments

Even as tens of millions of Indians have come online for the first time in recent years, most businesses in the nation remain offline. They continue to rely on long notebooks to keep a log of their financial transactions. A nine-month old startup that is helping them digitize their bookkeeping and accept online payments just raised a significant amount of capital to expand its operations.

Khatabook, a Bangalore-based startup, said on Tuesday it has raised $25 million in a new financing round. The Series A round for the startup was funded by GGV Capital, Partners of DST Global, RTP Global, Sequoia India (Khatabook was part of its Surge accelerator program), Tencent, and Y Combinator. The startup has raised $29 million to date.

A clutch of high-profile angel investors including Gokul Rajaram of Square, James Viraldi of TikTok, Aditya Agarwal of Dropbox, Sriram Krishnan — not one, but two — Akshay Kothari of Notion, Amrish Rau of PayU, Anand Chandrasekharan, formerly with Facebook, Deep Nishar of SoftBank, Jitendra Gupta of LazyPay, Kunal Bahl of SnapDeal, and Kunal Shah of CRED also participated in the round.

Khatabook operates an eponymous Android app that allows micro, small and medium-sized businesses to keep a digital log of their financial transactions and accept payments online. The app, which was launched on Google Play Store in December last year, has amassed 5 million merchants from more than 3,000 cities, towns, and villages in India, Ravish Naresh, cofounder and CEO of Khatabook, told TechCrunch in an interview this week.

The app, which supports 11 languages, was used to process transactions worth more than $3 billion in the month of August, said Naresh. Most merchants in developing markets are currently not online. They continue to rely on logging their financial transactions — credit, for instance — on notebooks and pieces of paper. As you can imagine, this methodology is not structured.

khatabook team

Even as Reliance Jio, a telecom operator launched by India’s richest man Mukesh Ambani, upended the Indian market and brought tens of millions of Indians online for the first time in last three years, most businesses in the country are still carrying out their operations without the use of any technology, said Naresh. “Could we build an app that makes it very easy for merchants to digitize their bookkeeping?” he said.

“As soon as we launched the app, we instantly started to go viral,” he said. “These shop keepers and roadside vendors have an internet-enabled smartphone, they are just not using it in their businesses. All they needed was a simple-to-use app.”

For several months now, the startup has been seeing 20% growth each week, he said. In six months, the app has helped businesses recover $5 billion in previously unpaid credits, Naresh claimed. Without any marketing, the app has also gained a significant number of users in Nepal, Pakistan, and Bangladesh, said Naresh.

“At Khatabook, we have taken early but significant steps towards leveraging this trend to digitize India’s shopkeepers. For most of our merchants, we are the first business software they’ve used in their entire life. And we will continue to build more India-first innovations to further enable the growth of what is still a largely untapped sector,� he said.

In a statement, Hans Tung, Managing Partner of GGV Capital, said, “as a global investor, we seek out founders who understand the local market and respond to growth opportunities with speed and agility – we certainly see this with the Khatabook team.�

Naresh, a cofounder of property startup Housing, said Khatabook will use the capital to build new features such as billing and invoicing to serve merchants. In next 12 months, Khatabook aims to add 25 million businesses, he said. The app currently does not charge merchants, but Naresh said the startup will introduce some additional features in the future that will enable monetization of its user base.

A growing number of startups and major giants in India are attempting to help businesses. OkCredit, which raised $67 million last month, serves 5 million merchants. IndiaMART, a 23-year-old B2B firm that went public this year, led a round in a startup called Vyapar last month that is addressing similar problems. New Delhi-based BharatPe raised $50 million in late August to help businesses accept digital payments.

Last month, Google unveiled a version of its payment service for businesses that will allow them to quickly establish some web presence and accept online payments.

“India has more than 60 million small and medium-sized businesses, however only a fraction of them support digital payments. Imagine the transformation that is possible if more of these merchants could access payments online,� said Ambarish Kenghe, director and product manager for Google Pay, at the time.


Source: TechCrunch

What is quantum computing? The next era of computational evolution, explained

Quantum computing is becoming an increasingly important topic in the world of computing. But what is it really? Will it someday replace normal computers?
Source: Digital trends

Surface 7: Everything we know about Microsoft’s new 2-in-1

Here’s everything that we know about the Surface 7, which could end up being truly a revolutionary — rather than evolutionary — Surface device. with slim bezels, USB-C, and more.
Source: Digital trends

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