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Archivo del Autor: Belen De Leon

Spotify, eBay set standard for fertility benefits, study finds

The technology sector awards women and same-sex couples the most comprehensive fertility benefit packages, according to a survey by FertilityIQ, an online platform for fertility patients to review doctors and research treatments.

The company asked 30,000 in vitro fertilisation (IVF) patients across industries about their employers’ — or their spouse’s employer’s’ — 2019 fertility treatment policy, and allocated points based on their support for IVF procedures and egg freezing, among other services.

Silicon Valley semiconductor business Analog Devices and eBay led the ranking. The two companies offer employees unlimited IVF cycles with no pre-authorization requirement, meaning employees do not need permission from insurance providers before seeking certain medical services. Pre-authorization has historically impacted lesbian, gay or unpartnered employees from accessing care quickly or at all, FertilityIQ co-founder Jake Anderson explained

Spotify, Adobe, Lyft, Facebook and Pinterest were amongst the highest-ranked technology businesses, too.

“I think a lot of people see the tech sector as being unenlightened when it comes to family values but it’s still the sector that makes the fertility benefits the most widely acceptable,” Anderson, a former consumer internet investor at Sequoia Capital, told TechCrunch.

FertilityIQ’s fertility benefits survey results.

Despite an initial outpouring of skepticism, Facebook and Apple became leaders in the fertility benefit category when they began paying for their female employees to freeze their eggs in 2014. Since then, smaller firms have opted to beef up those benefits to stay competitive with their much larger and richer counterparts.

“The Lyfts, the Airbnbs and the Ubers of the world, who clearly need to compete for those companies for talent, have effectively matched those companies dollar-for-dollar despite a much smaller war-chest,” Anderson said. “These companies that are worth 1/1000th of these bigger companies are effectively going toe-to-toe to offer whatever women need.”

Anderson and his wife, FertilityIQ co-founder Deborah Anderson, noticed improved benefits in 2018 from companies implicated by the #MeToo movement, such as Vice Media, Under Armour and Uber.

“Silicon Valley is notorious for talent moving around on you but it’s probably not coincidental that some of the companies that were in the spotlight in the #MeToo movement have added really generous benefits,” Deborah Anderson told TechCrunch.

Uber, for example, now pays for its employees to complete two IVF cycles but still requires pre-authorization.

One in 7 Americans struggle with infertility and the rate of IVF procedures only continues to increase, with the latest data indicating a 15 percent year-over-year growth rate. IVF costs roughly $22,000 per cycle, per FertilityIQ’s survey, a cost which has similarly increased 15 percent since 2015.

That’s a whole lot of cash for a fertility patient to dole out. If companies foot the bill, they’ll have a better shot at retaining talent.

“Best we can tell, there is no question that employees that get this benefit and use it are more loyal and more likely to stick around,” Jake Anderson said. “The company that helps you build your family is the company that you remain committed to.”


Source: TechCrunch

Bud raises $20M to connect banks to fintechs and other financial service providers

Bud, the U.K. fintech that helps banks connect their apps and data to other fintech companies and financial service providers, has closed over $20 million in further funding.

The Series A round sees the company pick up backing from a number of banks: HSBC (which, via First Direct, it also counts as a customer), Goldman Sachs, ANZ, Investec’s INVC fund, and InnoCells (the corporate venture arm of Banco Sabadell).

Others participating include Lord Fink (the former chief executive of hedge fund Man Group), and 9Yards Capital (the VC firm to which George Osborne is an advisor).

Originally launched back in 2016 as a consumer app that wanted to make various financial services accessible from a single aggregated interface, the London-based startup has since pivoted to a tech platform it offers to banks to help them remain more competitive in the Open Banking/PSD2 era. Its tech lets banks create new apps and services that enable customers to manage all of their financial products within a single app.

Essentially, Bud acts as the tech layer that intelligently connects bank account data to third-party financial services, including those provided by fintechs and more traditional financial providers, as well as doing a lot of the other heavy-lifting required to create new consumer experiences from bank data.

“The work we have done with First Direct… is a showcase of features and functionalities made possible by new regulation, data science and relevant connections to fintech and banking services,” Bud CTO and co-founder George Dunning tells me.

“We have built a number of data enrichment features using transactional data to make people’s lives that little bit easier. Connection and aggregation of people’s accounts is the standard now, so we focussed on things like increasing financial literacy. ‘Smart Balance’ is a feature that shows users what they can safely spend and ‘Goals’ help them plan ahead. Our advanced regular payment finder filters and tracks bill payments and if you can save money Bud connects you to a service that will make it happen”.

Many of these features are powered by Bud’s ability to use data to detect patterns and behaviours. “Something as simple as detecting if someone is going abroad and helping them get insurance for their trip using one of our partners from within the app is much better than if you do it the traditional way,” says Dunning.

Other than HSBC-owned First Direct, the Bud co-founder isn’t able to disclose any of the company’s other bank customers. “We are working with a handful of banks across the industry, using open banking and our marketplace of services to solve problems for their customers which couldn’t be solved before now,” he says.

On the fintech and financial services side, Bud currently works with 85 different companies. These include fintechs Wealthify and PensionBee to more established companies like Hiscox and AJ Bell.

One other partner Dunning can talk about is the U.K. government, which Bud is working with as part of the Rent Recognition Challenge to create new solutions for people wishing to get on the housing ladder. “First-time buyers have it harder now than ever before. Work we are just finalising with The Treasury uses rent payments to help people grow their credit history to buy a home,” he says.

Meanwhile, Bud says the new capital will support the expansion of the Bud team, as the company moves to double its headcount creating what it claims will be the “largest team dedicated to Open Banking in the world”. Its current headcount is 62.

Cue statement from Raman Bhatia, Head of digital bank at HSBC Retail Banking and Wealth Management: “Since the start of our partnership with Bud back in 2017, we’ve been impressed with the team’s approach to innovation. They have helped to shape our approach to open banking, working with us to deliver services that makes banking easier for our customers. They stand out as motivated by their mission to help people have a better relationship with financial services”.


Source: TechCrunch

Super Bowl 2019: New Captain Marvel trailer is out of this world – CNET

See Brie Larson as the superhero from the 1990s who battles shapeshifting Skrulls and more.
Source: CNET

Best Super Bowl 2019 commercials ranked: Harrison Ford, The Dude, the Backstreet Boys and more – CNET

A Star Wars star goes to the dogs for Amazon, Tony Romo wears Skechers and Chance the Rapper and a boy band do Doritos.
Source: CNET

Intuit Super Bowl 2019 ad introduces #RoboChild, scares world – CNET

Please, little robot, don’t ever do my taxes.
Source: CNET

Instagram's world-record egg creator revealed before Super Bowl 2019 – CNET

The embryoverlord has been found.
Source: CNET

'Stablecoins': la clave para que las criptomonedas dominen las finanzas

Cada vez más expertos ven en las monedas digitales con precio estable la mejor solución para impulsar la adopción de aplicaciones financieras basadas en ‘blockchain’. Pero la tecnología todavía tiene que demostrar su eficacia en el mundo real
Source: MIT

Canadá y Francia quieren convertirse en el faro moral de la IA

Tal vez Canadá y Francia no tengan el poder financiero ni comercial de Estados Unidos y China, pero han producido a algunos de los mejores investigadores de inteligencia artificial del mundo y pueden convertirse en líderes de la parte ética de la tecnología
Source: MIT

Este robot gana a la Jenga con nociones de física y sentido del tacto

Gracias a esta combinación de habilidades, la máquina razona por sí misma qué piezas debe mover y cómo moverlas. El enfoque podría lograr que los robots industriales sean más útiles y menos torpes
Source: MIT

As rocket companies proliferate, new enabling tech emerges as the next wave in the space race

Blue Origin, Rocket Lab, Relativity Space, Slingshot Aeropsace, SpaceX and Virgin Orbit have raised billions of dollars to create new vehicles to launch payloads into space, but as the private space industry develops in the U.S. investors are beginning to back enabling technologies boost the next wave of innovation.

Whether it’s satellite manufacturers, new propulsion systems for satellites, antennae for data transmission or actually building out the networks themselves, the new space race will be building the next generation of services that the increasing access to space provides.

Last year, investors put at least $2.3 billion into companies angling for their own corner of outer space.

By 2040, Morgan Stanley estimates that the space economy to be worth more than $1 trillion in 2040 — as well as for SpaceX to double, or even quintuple, its valuation — “are significantly tied to the developments related to satellite broadband.”

For the moment, the next wave is still focused on terrestrial applications.

Already, landmark deals are being signed to provide new space-based internet networking services like the agreement between the startup company Astranis and Pacific Dataport to provide high-speed, lower-cost broadband services to Alaska.

With only around $14 million in financing, Astranis has managed to sign its first deal to provide high speed internet to Alaskans by 2020, while OneWeb (which has raised over $1.7 billion) expects its networks to come online by 2022. SpaceX will launch the first Starlink satellites this year, with service coming online in the following years.

Astranis’ decision to work directly with a single customer rather than deploying a massive network points to the fact that companies can start generating real revenues relatively quickly — without the need for global ambitions off the bat.

Indeed, some space investors note that there are significant questions that remain unanswered for both SpaceX and OneWeb .

In a blog post earlier this month, Josephine Millward, the head of research at London-based space investment firm Seraphim Capital wrote:

After years of development, OneWeb and SpaceX will begin to deploy their Low Earth Orbit (LEO) mega-constellations in 2019, albeit their full constellation targets will take several more years. Both are planning global coverage to provide internet broadband to the billions of unconnected. Crucially both still need to define their “go-to-market” strategy and solve the ground segment element of their proposition ahead of commercial roll-out.

Astranis’ satellite-based service is expected to triple the amount of capacity that’s available to Alaskans for internet services and, with a price tag worth tens of millions of dollars, represents the largest contract signed by an early stage startup in the space business to date.

But networking services aren’t the only space-based applications that will gain additional traction in 2019. Using satellite imagery for data analysis, already a big pitch from companies like Satellogic and Planet — and newer companies like Capella Space and Iceye — is an industry that will come into its own, according to Seraphim Capital’s Chief Executive Mark Boggett. Meanwhile, companies like Cloud Constellation are pitching satellite-based data storage as inherently safer than their earthbound cloud computing counterparts.

“These satellite networks are now in place and they’re gathering massive amounts of data,”  says Boggett. “What we’re going to start seeing is companies start using this data.”

Boggett says stay tuned for big fundraising rounds across the board, not only in the satellite networks themselves, but in the services that enable them to refine their data collection techniques and increase the efficiency and power of their transmission capabilities.

These would be what Boggett calls “downlinking” companies and companies that manage satellite mobility in space. Startups like Kymeta, Bridgesat, Ansur, RBC Signals and the Japanese startup Infostellar are all focused on downlinking — taking data from satellites and transmitting it to receivers on earth so the information can be used effectively, or optimizing data collection and transmissions in space.

It’s a market that’s attracted the attention of one of the largest tech companies in the world — Amazon . Viewing the data collection business as an extension of its cloud services, late last year Amazon partnered with Lockheed Martin to announce a base station as a service business called Amazon Base Station (no one accused them of being branding geniuses).

“Customers said that we have so much data in space with so many applications that want to use that data. Why don’t you make it easier,” said Amazon Web Services’ chief executive, Andy Jassy, at the time of the new service’s launch.

Propulsion technologies for satellites once they’re in space are another potential area for increased investment in 2019, according to investors.

Companies like Momentus, which raised $8.3 million in November; Tesseract, a European startup developing propulsion technologies; and Phase Four, the El Segundo, Calif.-based developer of a plasma-based propulsion system, are all bringing products to market.

Phase Four, which is in the middle of raising a new round right now, has actually inked its first supply deals with Capella Space and Tyvak, a division of the startup Terran Orbital, for its thrusters.

“It is an infrastructure arms race to get things efficiently built and deployed into space,” says M. Umair Siddiqui, the chief technology officer at Phase Four. “Now the next companies are racing to own who can manufacture the hardware that is going to generate the revenue in space.”

 


Source: TechCrunch

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