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Archivo del Autor: Belen De Leon

Metro Exodus isn’t the ray tracing showcase Nvidia needs

The arrival of Nvidia’s long-awaited DLSS feature has finally come, and it’s for the post-apocalyptic action game, Metro Exodus. We took the implementation of both ray tracing and DLSS to the test to see how it performs.

The post Metro Exodus isn’t the ray tracing showcase Nvidia needs appeared first on Digital Trends.


Source: Digital trends

You can now get a new Surface Laptop 2 for $900 at Amazon

Looking to save on Surface? It is not clear how long this latest deal will last, but an Amazon deal covers a wide variety of configurations of Microsoft’s MacBook alternative and brings prices down to as low as $900. 

The post You can now get a new Surface Laptop 2 for $900 at Amazon appeared first on Digital Trends.


Source: Digital trends

Americans Are Abandoning Public Transit—but Don't Blame Uber

In a world of cheap gas, easy-come auto loans, ride-hail, and now a new breed of bike- and scooter-share, transit riders aren’t riding like they use to.
Source: Wired

Californians Trust the Weed Industry More Than Social Media

A survey finds that the majority of Californians think tech has been “under-regulated” and merits more government oversight.
Source: Wired

Forget People, Elroy's Self-Flying Drone Hauls Heavy Cargo

The hybrid-powered aircraft will carry up to 500 pounds with a range of 300 miles, and could enter service next year.
Source: Wired

Rapyd nabs $40M led by Stripe and GC for ‘fintech as a service’, a single API for payments, money transfer and more

As ever more transactions move on to digital platforms, a startup that is building a swiss army knife of financial services — from payments to currency transfers, ID verifications and card issuing — for companies to use by way of a single API — is announcing funding. Rapyd, a “fintech as a service startup akin to AWS for financial services” according to its CEO, has raised $40 million. The company plans to use the funds to continue to add more financial services to its platform, more staff to build them, and to expand its customer base.

This Series B is notable because it is being co-led by Stripe, the payments giant that is now valued at $22 billion, as well as General Catalyst, one of Stripe’s biggest backers, which has for years also co-invested with it in strategic startups. Others in this round include Target Global (a previous investor) IGNIA and other strategic payments and fintech companies that Rapyd is not disclosing.

It’s not clear if Stripe is investing as a customer, or simply an interested party (as it has in other startups it has backed): Arik Shtilman, the co-founder and CEO of Rapyd, said in an interview that he couldn’t say how and if his company and Stripe were working together. Stripe, as you might know, has made a big move to expand the kinds of services it provides to its customers beyond basic payments, and it has also continued to expand its coverage to more of the world, so there is potential for Rapyd to be involved in a number of areas.

This takes the total raised by the company to $60 million. Shtilman would not comment on the startup’s valuation.

(Notably, his previous company — an Israeli-based cloud services startup called ITNavigator — was sold to Avaya several years ago, reportedly for less than $100 million.)

Rapyd opened for business at the end of 2017 and Shtilman says it is on track to make “tens of millions” in revenues this year.

While it will not disclose any specific names, it currently has around 50 customers in areas like e-commerce and “gig economy”-based businesses (ie Uber-style transport services), as well as other types of companies where financial transactions may not be a company’s core competency, but are central to how it operates.

Like other fintech startups such as Adyen (as well as Stripe, PayPal and others), which aim to simplify complex problems behind easy-to-integrate APIs, Rapyd has built a suite of services — currently numbering five: funds collection, funds payouts, currency transfers, ID verification and card issuing, with the idea that more will be added on soon — that knit together several steps behind the scenes to make the process of offering that service easy for the company, and ultimately easy for the customer to use.

For example, in payments, it works with some 100 banks around the world to enable fund collection and disbursement across a wider geography, and it’s working on extending that to 150. It can handle payments and transfers in 65 currencies and can pay out funds in more than 170 countries. Its commissions on payments are straightforward — 3.5 percent plus 30 cents for funds in; $1.50 plus one percent in cases of currency exchange for funds out — although you have to contact the company for pricing on other services.

But Rapyd’s rapid rise also runs counter to a strong trend that we’ve seen up to now in the growth of fintech. Over the last several years, there have been a plethora of startups that have launched, and thrived, by offering very streamlined products, serving a single or a small handful of related purposes. Rapyd, however, believes that ultimately that isn’t how businesses want to work.

“Simplicity is the name of the game,” Shtilman said. “It doesn’t make sense to connect five to seven different providers into your backend when you can connect just one.”

Indeed, that need will likely also lead to more consolidation in the wider, fragemented fintech market, which will also create more competition for Rapyd. But for now, it’s a compelling enough and fast-enough moving market that there is an opportunity for a startup building this in a clever way to pick up speed — and maybe even a strategic buyer who also needs this exact functionality — quickly.

“Rapyd’s product offering helps merchants, banks, telcos and fintech companies expand the scope of the products they offer, increase the number of customers they reach, and improve the overall customer experience, said Adam Valkin, Partner of General Catalyst, in a statement. “Rapyd does this by helping drive the ubiquity of payment and payout options beyond debit and credit cards, towards cash, bank transfers, instant payments, e-wallets, and mobile money.”

 


Source: TechCrunch

Starling Bank, now with 460K consumer accounts, raises further £75M for European expansion

Starling Bank, founded by banking veteran Anne Boden, has raised £75 million in further funding. The new capital breaks down as £60 million in a Series C round led by Merian Global Investors, including Merian Chrysalis, with £15 million in follow-on funding from Starling’s existing backer and major shareholder Harald McPike. It brings total funding to date for the London-based challenger bank to £133 million.

Starling says the new funding will support increased investment in the bank’s financial products in retail and SME banking as well as banking services. This will include ramping up international expansion, starting with Europe. The bank is thought to be applying for an additional banking license in Ireland to ensure those expansion plans aren’t interrupted post-Brexit.

Meanwhile, breaking with tradition, Starling is formally disclosing its latest customer numbers, presumably now that it has hit a respectable number: the challenger bank now has 460,000 personal current accounts and 30,000 SME accounts, and says it expects to hit one million customers by the end of 2019.

To put this into some context, long-term rival Monzo claims around 1.5 million customers and neobank Revolut claims 3.5 million users. Of course, for any current account offering, perhaps a better metric is accounts where a regular salary is paid in. Starling is likely to be punching above its weight here, having launched with a fully fledged current account from the get-go and targeting a slightly broader demographic.

On the SME banking front, a good point of reference is SME banking app Tide, which has been around for significantly longer than Starling’s much more recently launched business account. Last month Tide, which has had growing pains of its own and recruited a new CEO in August, disclosed that it has 60,000 SME customers.

However, the less well-told story of Starling is really its “Banking Services” division, which arguably makes it less reliant on core bank accounts. Along with consumer and small business banking, it makes Starling’s modern banking and payments infrastructure available to third parties. The banking-as-a-service has 20 institutional clients, including the U.K. government, while its payments volume is said to be “doubling month on month”.

The third aspect of Starling’s business is its marketplace of third-party financial products, which resides inside of the Starling banking app and is supported by its open API. It now has 11 partners, with many more in the pipeline. Notably, however, Boden has previously said the Starling Marketplace aimed to establish 25 marketplace partners by the end of 2019, while the bank’s Chief Platform Officer departed for Barclays in December.

In a statement related to today’s new funding, which TechCrunch reported was in motion last May, Boden talks up Starling Bank’s European expansion: “Building our platform and launching in the U.K. to provide genuine choice to retail, SME and Banking-as-a-Service customers was just the first step. Our ambition is to use our technology to build a next-generation global, digital banking platform, starting with our launch across Europe this year”.

Adds Nick Williamson, Merian Chrysalis co-portfolio manager: “Financial services is a market undergoing considerable change, driven by technology and users’ desire for better and more convenient offerings. The Starling team has developed a highly impressive and efficient platform, which we believe positions it well to continue to take share in core banking markets, as well as the ability to offer innovative new services in the future”.


Source: TechCrunch

Strava's New Tool Builds Routes Based on Your Finger Swipes

Drag your finger on the in-app map, and the mobile Route Builder translates your scrawl into an ideal path. The beta version debuts soon for Strava Summit users.
Source: Wired

This Robot Debates and Cracks Jokes, but It's Still a Toaster

Domo arigato, debating roboto: An IBM project shows that a computer can carry on a sophisticated—if creepy—argument with a human.
Source: Wired

Manipulating an Indian politician’s tweets is worryingly easy to do

Here’s a concerning story from India, where the upcoming election is putting the use of social media in the spotlight.

While the Indian government is putting Facebook, Google and other companies under pressure to prevent their digital platforms from being used for election manipulation, a journalist has demonstrated just how easy it is to control the social media messages that published by government ministers.

Pon Radhakrishnan, India’s minister of state for finance and shipping, published a series of puzzling tweets today after Pratik Sinha, a co-founder of fact-checking website Alt News, accessed a Google document of prepared statements and tinkered with the content.

Among the statements tweeted out, Radhakrishnan said Prime Minister Modi’s government had failed the middle classes and not made development on improving the country’s general welfare. Sinha’s edits also led to the official BJP Assam Pradesh account proclaiming that the Prime Minister had destroyed all villages and made women slaves to cooking.

These are the opposite of the partisan messages that the accounts intended to send.

The messages were held in an unlocked Google document that contained a range of tweets compiled for the Twitter accounts. Sinha managed to access the document and doctor the messages into improbable statements — which he has done before — in order to show the shocking lack of security and processes behind the social media content.

Sinha said he made the edits “to demonstrate how dangerous this is from the security standpoint for this country.”

“I had fun but it could have disastrous consequences,” he told TechCrunch in a phone interview. “This is a massive security issue from the point of view of a democracy.”

Sinha said he was able to access the document — which was not restricted or locked to prevent changes — through a WhatsApp group that is run by members of the party. Declining to give specifics, he said he had managed to infiltrate the group and thus gain access to a flow of party and government information and, even more surprisingly, get right into the documents and edit them.

What’s equally as stunning is that, even with the message twisted 180 degrees, their content didn’t raise an alarm. The tweets were still loaded and published without any realization. It was only after Sinha went public with the results that Radhakrishnan and BJP Assam Pradesh account begin to delete them.

The Indian government is rightly grilling Facebook and Google to prevent its platform being abused around the election, as evidence suggested happened in the U.S. Presidential election and the U.K’s Brexit vote, but members of the government themselves should reflect on the security of their own systems, too. It would be too easy for these poor systems to be exploited.


Source: TechCrunch

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