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Archivo del Autor: Belen De Leon

TrueLayer’s Payments API lets companies accept payments through Open Banking

Open Banking and PSD2 — groundbreaking regulation from the U.K. and European Union, respectively — set out to fix what politicians and civil servants perceived as a malfunctioning financial services market, evidenced most prominently by the banking crisis in 2008. It is also closely linked to the EU’s privacy directive GDPR, which aims to ensure citizens are given better access and use of their own personal data.

Central to Open Banking is a requirement that banks open up the data they hold and offer an API to let customers optionally share financial information with third-party providers. The idea, amongst other more innovate use-cases, is to make it easier to shop around for financial services or to switch banks entirely.

In addition, a second aspect of Open Banking, which arguably targets the Visa-Mastercard duopoly, stipulates that banks offer an API to let customers authorise payments directly from their bank account as an alternative to other types of payments, such as card payments or manual bank transfers.

Enter TrueLayer, the London startup that’s built a developer platform to make it easy for fintech and other adjacent companies, such as retailers, to access bank APIs and in turn ride the Open Banking and PSD2 gravy train. Today, the young company is launching a beta of its own Open Banking-based Payments API to enable businesses to start accepting payments through Open Banking.

By using the payment initiation process created by PSD2, TrueLayer says its new API offers a number of benefits over other payments options:

First is immediate settlement whereby cleared funds are received in just a few minutes, as with any bank-to-bank transfer that uses “Faster Payments”.

Second is security, since the API requires active bank authentication before any money can leave the account. “This means high security and extremely low fraud rates,” claims TrueLayer. That’s not pure hyperbole: the nature of the payment initiation process, as stipulated by Open Banking, means the customer is required to sanction any payment request within their own bank’s app or website. The user journey (shown in the video below) goes something like, “hey my bank, please make this one-off transfer on my behalf to X”. The person or business receiving the payment never sees your bank details (or card details, for that matter).

Third is that it is cheaper as payments do not have the high fees of card transactions.

Lastly, the user experience is arguably more streamlined than some other payments options, including traditional bank transfers. For example, customers do not need to manually type in a business’ bank account number to transfer money to a business, as they would do for a manual bank transfer.

“Both businesses and consumers will benefit substantially, but I think the biggest winner will be merchants, application providers, and SMBs,” TrueLayer co-founder Francesco Simoneschi tells me when I ask him who the biggest benefactors will be.

“Faster Payments cuts the time it takes for a payment to come through from days to few seconds. This is a crucial factor for a lot of businesses where instant settlement and transaction risk are big concerns. Add to that the minimal costs involved to process a payment and our API will make a big difference in a short period of time. We think that many businesses will end up sharing these savings with their customers”.

Simoneschi won’t be drawn into saying who the biggest loser will be under the new payments directive, arguing that it isn’t a “zero-sum game”. “However, we do believe that payment initiation is disrupting the four-party model of the existing card networks,” he adds.

That’s because payment initiation is serviced via a direct relationship between the merchant and the customer’s bank. And although Simoneschi doesn’t think it will happen overnight, he believes that as merchants start to incentivize Open Banking payments for their customers, it is likely to quickly gain traction. One way for credit card companies to remain competitive, he says, is to embrace and enhance Open Banking payment initiation by adding services such as dispute management.

“It’s also worth noting that banks generate a substantial amount of revenue from the fees involved in credit and debit card transactions,” says Simoneschi. “These fees are paid for by merchants, and indirectly, by consumers. Reducing these transactions could sting the bottom line of some of the major banks. Another factor is how a few banks make money as the ‘acquirer bank’ — a bank that merchants use to receive and clear funds. PSD2 and Open Banking removes both parts of this equation, essentially making that role obsolete”.

Meanwhile, asked what use cases are initially best-suited to this new payment method, Simoneschi says the most obvious is any scenario where payment is normally done via manual bank transfer. For example, services that require you to top up your account, such as international money transfer apps, cryptocurrency exchanges, or even a pre-paid mobile phone account are ideal candidates. He also thinks managing or facilitating B2B payments, such as payments requested by suppliers, is another extremely good fit.

longer-term, however, that’s barely scratching the surface. It’s not hard to see large merchants, such as Amazon, embracing Open Banking in a big way so that they bypass Visa and Mastercard as much as possible. For those merchants with less deep pockets, services like TrueLayer over time will likely help them do the same. In other words, the payments space is about to get interesting — again.


Source: TechCrunch

Apple disables group calling in FaceTime in response to eavesdropping bug

Apple has disabled the group calling feature within its FaceTime calling service while it works on a patch to fix a nasty bug that allows eavesdropping.

Apple’s status page shows that group calling via FaceTime is “temporarily unavailable” — that’s a stop-gap move while the company to deliver a more permanent fix to the problem this week. We were unable to set up a group call when we tried, having earlier been able to do and replicate the issue.

All being well, this fix means that users don’t need to completely disable FaceTime due to the bug, but it is understandable if some people are hesitant to switch it on again.

The vulnerability was unearthed on Monday and it is activated when a user initiates a group call but adds themselves as a participant, as we explained in our earlier post:

The bug relies on what appears to be a nasty logic screwup in FaceTime’s group call system. While we’re opting to not outline the steps here, the bug seems to trick the recipient’s phone into thinking a group call is already ongoing. A few quick taps, and FaceTime immediately trips over itself and inexplicably fires up the recipient’s microphone without them actually accepting the call.

Weirder yet: if the recipient presses the volume down button or the power button to try to silence or dismiss the call, their camera turns on as well. Though the recipient’s phone display continues showing the incoming call screen, their microphone/camera are streaming.

Apple told us and other media that it plans to issue a more permanent solution in the coming days.

“We’re aware of this issue and we have identified a fix that will be released in a software update later this week,” a spokesperson said.

It’s interesting to note that the group calling feature actually took longer than planned to arrive in iOS follow a hiccup. It was added then removed from the beta version of iOS 12 in August while it took time to roll out to all users. The feature was absent when iOS 12 shipped to all in September and, instead, it arrived with the launch of iOS 12.1 in October. Apple never provided a reason for the delay.

The bug is an embarrassing incident for Apple, which has long emphasized its focus on privacy as a business and within its products. That included a recent banner at CES which triumphantly proclaimed: “What happens on your iPhone, stays on your iPhone.”


Source: TechCrunch

Fighting With My Family: a wrestling comedy that suplexes your emotions – CNET

This bittersweet comedy pile-drives you with heartfelt hilarity. The real-life story of WWE superstar Paige is a total knockout.
Source: CNET

WeWork could challenge Starbucks in China with new on-demand service

The rise of Starbucks in China, like that in the west, is closely linked to its function as a “third space” for people to hang out between home and work. In recent years, a bevy of coffee entrepreneurs are trying to topple the American giant’s dominance in China and lately, an unexpected contender — WeWork — has joined their camp.

This month, the office tenant and workplace service provider launched WeWork Go, a new feature that allows China-based users to rent a desk by the minute so they are no longer tied to long-term leases. While Starbucks provides free accommodation and charges for coffee, WeWork flips the equation to offer free coffee and paid space. Starbucks is already being squeeze in China by emerging rival Luckin Coffee, a well-funded startup that explicitly pledges to take on the Seattle-based giant with a model that focuses on coffee delivery.

WeWork Go works a bit like other shared services, with an app that lets users check the occupancy of a list of offices in real time before they travel over. Upon arrival, users scan a QR code at the gate, pop the door open, get seated in the common area and the billing begins.

wework go china

WeWork Go available through a WeChat mini program. Screenshot: TechCrunch

The firm says it monitors traffic flow closely so the common space isn’t flooded with fleeting users. Booking private rooms require additional fees. Go claims to have picked up 50,000 registered users so far after piloting for three months across an inventory of 18 locations in Shanghai, where WeWork nestles its China headquarters.

Made for China

Instead of building a native app, WeWork Go operates via a WeChat mini program, a form of a stripped-down app that works within China’s largest social network. Mini programs are an increasingly popular way for startups to trial ideas thanks to their relative ease to develop. “[Go] is a key development of our China localization,” a WeWork spokesperson told TechCrunch.

Go is tailoring to the so-called “part-time users.” “These people would not purchase the monthly membership. They would work at home or a coffee shop, restaurant, or library,” Dominic Penaloza, who heads innovation and technology at WeWork China, told TechCrunch. He first conceptualized the on-demand workplace service at Naked Hub, a smaller local rival WeWork China bought out for $400 million last year. After the merger, the executive alongside his tech team joined WeWork and continued with the project that would later become Go.

The pay-as-you-go feature is also getting rolled out stateside at a new Manhattan location last week.

Penaloza admits Go could be competing with coffee shops for it offers “an alternative type of the third space for freelancers, mobile workers, business travellers or those who want to briefly step aside from their offices for a mental break.” The obvious target is Starbucks, which commands a whopping 51 percent share of the country’s booming coffee market.

Made for WeWork

For WeWork, Go serves as a trial for those deciding whether to sign on monthly subscriptions. What they are weighing is the 1,830 yuan ($271) price tag for a hotdesk in downtown Shanghai. By comparison, Go starts at 15 yuan and goes up to 30 yuan an hour at more prime locations, offering the same perks as the full-time hotdesking plan, which includes access to common spaces, beverages and wifi.

Users can do their math. “If you started as a WeWork Go member, and if you use our service quite a lot, you will realize it’s much more economical to purchase monthly subscriptions. WeWork Go enables WeWork to reach an entirely new market segment,” suggests Penaloza.

The flexible pricing may help WeWork — which generates the bulk of its revenues from large corporations — reach a wider user base. The shared office industry in China has entered what real-estate researcher Jones Lang LaSalle calls the “second phase,” with big firms moving into premium workplaces like WeWork and local player Soho 3Q. Cash-strapped startups, on the other hand, increasingly turn to government-backed incubators for lower costs.

wework china

Photo: WeWork China

Several early users of Go told TechCrunch they found the service delivering a “quieter” and “more comfortable” vibe than most cafes, but distance is key when they are in a rush. WeWork currently has about 60 locations across a dozen major Chinese cities, whereas Starbucks reaches a dense network of 3,330 stores and is shooting for 6,000 by the end of 2022. WeWork China got a boost for locations with the Naked Hub acquisition last year and says it’s open to adding third-party spaces such as restaurants into its inventory, though it has not taken a solid step towards that vision.

“There is a very interesting opportunity in the really downtown area, where WeWork locations and Naked Hub locations are quite full starting from after lunch until 5 pm,” notes Penaloza. “What’s amazing is that restaurants around those locations are quite empty at exactly the same time, so there’s a fascinating opportunity there but we haven’t done anything about it yet.”


Source: TechCrunch

How to disable FaceTime (so no one can eavesdrop on your iPhone or Mac) – CNET

A new Apple FaceTime bug has the potential to let callers hear you and see you, even if you don’t accept the call. Here’s how to protect yourself until there’s a fix.
Source: CNET

Southeast Asia’s Grab is adding Netflix-like video streaming to its ride-hailing app

Grab is Southeast Asia’s top ride-hailing firm thanks to its acquisition of Uber’s local business last year. Its biggest competitor gone, the company is on a push to go beyond transport and become an everyday ‘super app’ and that strategy just embraced video streaming today.

That’s because Grab is integrating video-on-demand service HOOQ — a local equivalent to Netflix — into its core ride-hailing app. The company, which is valued at $11 billion and raising a $5 billion round, already offers a range of services including food deliveries, payments, grocery delivery, travel deals and more. But, beyond utility, the focus is now shifting to entertainment, a category where Grab’s app currently sports only basic games.

Grab’s focus on these additional non-transportation services is designed to retain the attention of users and keep them engaged with its app even when they don’t need a ride. In that spirit, Grab announced a partnership platform last summer that’s aimed at helping companies in adjacent industries where it sees a fit to be integrated into its app. The benefit is potential access to Grab’s 130 million registered users which, aside from Western services like Facebook and Google, represents one of the largest digital platforms in Southeast Asia, where Grab is present in eight countries.

The rollout of HOOQ began earlier this month with Indonesia, Southeast Asia’s largest economy and the world’s fourth most populous country, the key focus initially.

The HOOQ ‘mini app’ doesn’t require a log-in, but existing HOOQ users can sign-in.

The companies didn’t disclose financial details, but HOOQ CEO Peter Bithos suggested Grab would receive a cut of revenue generated by subscription sign-ups generated by its app.

Leaning on Grab’s presence is certainly the appeal for HOOQ, which was started in 2015 by Singapore telco Singtel, Sony Pictures and Warner Brothers. Initially, a play to out-localize Netflix in Southeast Asia, HOOQ has recast its position somewhat in recent times — that’s included a free, advertising-supported tier launched last year and content deals with other on-demand services, including Hotstar in India.

Bithos, the HOOQ CEO, told TechCrunch that he believes Grab can support its growth and pivot from a cheaper but all-subscriber Netflix challenger to a freemium service that requires scale.

“Our strategy is around finding digital partners where we are complementary,” he explained in an interview. “We are building our tech and partnerships so that customers can easily bump into us without having to download an app or sign up to a different service.”

The HOOQ presence in Grab will include its full content library, Bithos confirmed.

“The deal is part of a much broader strategy for us,” he added. “We’re inverting the customer experience and putting HOOQ into other people’s products.”

Video in ride-hailing apps may sound unique but Go-Jek, Grab’s arch-rival headquartered in Indonesia, last year waded into video content, both through partnerships and its own productions. Even Uber has flirted with “in-ride content” to engage users, but it hasn’t delved into video yet.

With Go-Jek making the leap, it figures that Grab has followed with its own solution. Bithos said he is confident that the HOOQ-Grab tie-in is superior.

“Go-Jek hasn’t been able to get to anything like the scale or reach that we’ve got,” he said.

He suggested that the partnership allows Grab to focus on what it does best — rides — rather than other areas; that’s a concern that some sections of Grab’s user base have raised with its foray into other services.

“They don’t have to build video tech or focus on it,” he explained.


Source: TechCrunch

5 years after its Oculus investment, A16Z leads a new VR startup’s $68M Series A

Sandbox’s magic happens in a largely empty room. The gear mounted onto the walls (VR headsets, PC backpacks, and tracked toy assault rifles) gives more than a little indication that there’s more afoot, but nothing really clicks until your team is strapped in and the headsets shove you into a fast-paced wave shooter.

The startup, which has seven locations in Asia and North America, has brought plenty of people through the sweat-inducing experience including quite a few high-profile investors who are ready to buy into Sandbox’s vision for VR.

Sandbox VR just closed a $68 million Series A round led by Andreessen Horowitz with further participation from Floodgate, Stanford University, TriplePoint Capital, CRCM and Alibaba, as reported by Business Insider.

Andreessen Horowitz’s investment in Sandbox VR comes more that 5 years after the firm made a big bet on Oculus VR. At the time, Oculus helped stroke enthusiasm behind the idea that regular consumers would soon be strapping into their own VR gear. While the company has seen some major progress towards that vision beneath Facebook, it still hasn’t entirely kept pace with the white hot expectations that some investors had set towards that vision.

In 2019, Andreessen Horowitz’s Andrew Chen still sees plenty of opportunity in the home, but is excited about what can be enabled when VR can break free of some of its constraints.

“I think we’ve run the experiment that in-home needs to actually have a kind of different form factor, you want the hardware to be more like $200 or the same as a console,” Chen tells TechCrunch. “I think we’re going to see location-based VR split off and be its own form factor with larger spaces that are intrinsically multi-social with real people there and premium hardware like motion capture and haptic vests.”

The Hong Kong-founded company is hardly the first VR startup to bet on premium experiences in retail locations; startups like The Void have also raised significant capital with high-profile partners like Disney thrusting them into highly-trafficked locations, but Sandbox’s investors see the company’s strengths in its scalability.

“We tried everything, what we really liked about [Sandbox] was that really though about archetyping this as modest-sized rooms that you could really put anywhere,” Chen said. “So it’s this really scalable thing that you could imagine putting inside of a mall or a boutique retail location. You could scale a single location to having 10 or 20 rooms the way a movie theater might have 12 screens.”

Sandbox’s $68 million round comes in the midst of a general market cool down around VR, but as more and more investors look to adjacent technologies like augmented reality, the startup’s backers see its strengths in terms of the bond with users. For Mike Maples, a partner at Floodgate, the investment represents his first in the virtual reality space.

“A lot of AR startups are getting more attention because people say, AR can be on all the phones and it has broader distribution,” Maples said. “When I experienced this product I felt like people are going to say, ‘This product rocks my world.’” 

You can read more about how Sandbox VR linked up with its investors in this Medium post from the company’s chief product officer (hint: the story involves In-N-Out).


Source: TechCrunch

Fortnite’s login and game are down

Fortnite is currently down for many players. The Twitter account for the Epic Games’ title, now the most popular video game in the world, confirmed the problem, tweeting “We’re aware that players are experiencing issues when attempting to use Epic Games services. We’re currently working on a resolution and will keep you updated.

Further details on Epic Games’ status page said it had identified an issue with logins and as of 01:53 UTC was still working on a fix. While the game, login, and store are experiencing major outages, Fortnite’s website, forums, and messaging services are still operational.

Fortnite’s issues comes half a day after Instagram was briefly offline.

Netflix is still up, if you need something to pass the time.


Source: TechCrunch

Fortnite is down – CNET

It’s not just you.
Source: CNET

Apple FaceTime bug lets you hear audio (and see video) before the call is connected – CNET

The bug affects calls to iPhones and reportedly impacts calls to Macs, potentially turning any device into a hot mic.
Source: CNET

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