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Archivo del Autor: Belen De Leon

Bowtie raises $30M to bring the digital insurance model to Hong Kong

The digital revolution has spawned ‘challenger’ banks that operate entirely online, with no high street presence. That phenomenon has taken off in Europe — particularly the UK — but over in Hong Kong, one of the world’s key financial hubs, the digital-only push is coming to the insurance industry.

Bowtie, a Hong Kong-based digital insurer, just announced a double milestone today: the company has become the first online-only operator to earn a license in the country while it has also revealed it has raised a HK$234 million ($30 million) Series A funding round.

Founded just over one year ago, Bowtie plans to offer a range of health-focused insurance products to Hong Kong consumers. It’ll launch in the first half of 2019 however, per the ‘virtual’ insurer license issued by Hong Kong’s Insurance Authority (IA), it will not maintain any physical presence for consumers. That’s in stark contrast to the traditional industry, but the idea is to pass on cost benefits to consumers, provide strong offline customer service and offer a more transparent experience.

That vision already has some hefty weight behind it. Sun Life, the $20 billion global insurance giant, is one investor in that Series A round via its Hong Kong business unit. The other backer is Hong Kong X Technology Fund, a two-year-old program backed by the likes of Tencent founder Pony Ma and Sequoia China chief Neil Shen.

In an interview with TechCrunch, Bowtie co-founder and co-CEO Michael Chan stressed that his company will operate independently of Sun Life Hong Kong.

“We definitely like the value alignment,” he explained. “They have been very gracious and trusting, giving us a lot of management control.”

Chan clarified that there will be no sharing of customers or customer data. He painted a picture of a business — Sun Life — that’s curious about the potential of digital-only services and keen to see what a startup — Bowtie — can do with a leaner and more agile model. However, Chan was unable to confirm the size of Sun Life’s investment, and whether it owns a majority of the startup.

“We believe in Bowtie’s vision and commitment to enhancing the customer experience. Our investment complements our business, while enabling new distribution modes through the latest technology and digital innovations,” said Fabien Jeudy, CEO of Sun Life Hong Kong, in a press statement.

Indeed, there could be the potential for collaboration in the future, particularly since Sun Life has a strong presence in Asia Pacific, where its operations span Hong Kong, the Philippines, Japan, Indonesia, India, China, Australia, Singapore, Vietnam and Malaysia.

“If this business model makes sense, we could potentially collaborate on expansions,” said Chan, who spent nearly a decade with the likes of EY and PwC in the U.S. before returning to Hong Kong in 2015.

The Bowtie team at its office in Hong Kong

That’s looking a little far into the future for a company that has only just received the regulatory green light. When pushed on a potential expansion strategy, such as possible markets and entry times, Chan said there’s currently no information to share.

“It’s really very much a one step at a time approach,” Chan told TechCrunch. “Everything has to run smoothly” before the company considers moving outside of Hong Kong. Although he did acknowledge that “most of the growth” from the global insurance industry is happening in Asia.

Chan and fellow co-CEO and co-founder Fred Ngan met working in the U.S. and, after both returning to their country of birth, they visualized the potential for a disruptive online play whilst working in consulting and other companies, Chan said. The IA’s ‘fast track’ for virtual insurers was that spark. Announced in September 2017, the program quickly attracted over 40 applicants — including global firms — and Chan said that, while there were teething issues around accommodating online-only businesses, the process was rapid and as thorough as the awarding of a traditional license.

“Bowtie is all about delivering convenience through technology. Our market research shows Hong Kong consumers would love to be able to sign up for health insurance and submit a claim online, but the insurance industry has essentially operated the same way when it first began 300 years ago,” Chan said in a prepared statement.

Unlike others in the tech space across Asia, Bowtie doesn’t plan to locate its development team in other parts of the world, despite the challenge of hiring tech teams in Hong Kong.

“That’s fine for more established or mature models, but with the level of commitment we’ve given the regulator and our customers, I think that it’s best we are all here,” Chan said in an interview. “I truly believe there is good talent in Hong Kong.”

Where it has needed to, Chan said the company has hired from overseas, including Silicon Valley.

Certainly, the ongoing privacy snafus from U.S. tech companies and the polarizing politics mean that markets like Hong Kong have never been in a stronger position to lure new hires from Silicon Valley, New York, London and other Western hubs. Meanwhile, its insurance industry hires have from come from firms such as AIA, AXA, Chubb, Manulife, Prudential and Sun Life.


Source: TechCrunch

TikTok parent ByteDance sues Chinese news site that exposed fake news problem

There’s worrying news from China’s online media world as ByteDance, the $75 billion company behind popular video app TikTok is taking a news site to court for alleged defamation after it published a story about ByteDance’s fake news problem in India.

U.S. tech firms have come to rely on media to help uncover issues, but Chinese tech news site Huxiu has become the latest litigation target of ByteDance, which reportedly surpassed Uber’s valuation after raising $3 billion. The company has sued internet giants Tencent and Baidu in the past year for alleged anti-competitive behavior.

This time around, ByteDance — which is backed by SoftBank’s Vision Fund, KKR and General Atlantic among others — has taken issue with an op-ed published earlier this month that spotlights a fake news problem on its Indian language news app, Helo.

Launched in July as part of ByteDance’s push in India, Helo competes with local media startups such as Xiaomi-backed ShareChat and DailyHunt as well as Facebook. ByteDance operates news app Jinri Toutiao with over 250 million monthly active users in China, according to data services provider QuestMobile. TikTok, branded as Douyin in China, has a reach well beyond its home front and claims 500 million MAUs worldwide with an additional 100 million users gleaned from its Musical.ly buyout.

“An insult and abuse”

On December 4, Huxiu published an opinion piece that condemned Helo and ShareChat for allowing misinformation to spread. One Helo post, for instance, falsely claimed that a Congress leader had suggested that India should help neighboring rival Pakistan clear its debt rather than invest in the State of Unity, a pricey local infrastructure project.

In response, ByteDane filed a lawsuit against Huxiu, saying that the Chinese news site made defamatory statements against it in translating an op-ed by contributor Elliott Zaagman. Tech blog TechNode — TechCrunch’s partner in China — ran an edited English version of the story but it is not part of the suit.

Zhang Yiming, founder of ByteDance, poses for a photograph at the company’s headquarters in Beijing, China. Photographer: Giulia Marchi/Bloomberg via Getty Images

“Technode edited the piece and removed some of my words. Huxiu was, and is with most of my articles, true to my original words,” Zaagman wrote on his WeChat timeline.

To adhere only to “facts” as part of its editorial process, TechNode removed “colorful” parts of Zaagman’s article, according to the blog’s editor-in-chief.

What goes missing on TechNode is what incensed ByteDance. Zaagman’s unfiltered statements on Huxiu “constitute an insult and abuse against ByteDance” by “claiming that Chinese companies have influence over the Indian election,” a ByteDance spokesperson told TechCrunch.

“The content on Huxiu is obviously a rumor and libel. It’s malicious slander. Whether it’s Chinese or foreign publications, Chinese or foreign authors, they must respect the truth, laws, and principles of journalism,” the spokesperson added.

The unedited English version is posted on Zaagman’s personal LinkedIn account here. Here is one paragraph that TechNode removed:

Maybe still Zhang is simply a victim of his own success. Few entrepreneurs start a company expecting it to be worth $75 billion. But what he has created may have far broader ramifications. As is demonstrated by Russia’s use of American social networking platforms to interfere in Western elections, misinformation campaigns can be a tool used by adversaries to disrupt a country’s internal politics. At this current moment when China faces greater international tensions, a pushback to their rising influence in Asia, and territorial disputes along their border with India, the last thing that Beijing needs is accusations from an opportunistic Indian politician sounding the alarm about how Beijing-based Chinese companies are spreading misinformation among the impressionable Indian electorate….

And this as well:

Although, on second thought, maybe it makes perfect sense that Zhang Yiming is peddling products that he himself would likely never use. After all, any good drug dealer knows not to get high on their own supply.

In a statement, Huxiu dismissed ByteDance’s accusation for being “wildly untrue” and bringing “major repercussions” for the online publication’s reputation. A spokesperson for Huxiu told TechCrunch that it hasn’t received any summons as the court is still processing the complaint.

In a peculiar twist to the incident, Huxiu actually pulled its Chinese version of Zaagman’s piece days leading to the ByteDance suit. The removal came as a result of “negotiations among multiple parties,” said the Huxiu representative who declined to share more details on the decision. In China, an online article can be subject to censorship for containing material considered illegal or inappropriate by the media platform itself or the government.

The problem of AI

douyin tiktok musically

The logo for ByteDance’s popular video app TikTok (called Douyin in China) at an electronic dance music festival. / Credit: ByteDance

In the U.S., Facebook has responded proactively to issues raised by the media — for example by banning accounts that stoke racial tension in Myanmar — while Twitter CEO Jack Dorsey went so far as to suggest that journalists sniffing out issues on his service is “critical” to the company. Beijing-based ByteDance hasn’t commented on the fake news problem highlighted in Zaagman’s article, but staff from its Indian regional app previously acknowledged the presence of misinformation.

“We work very closely with our local content review and moderation team in harnessing our algorithms to review and take down inappropriate content,” a Helo spokesperson told local newspaper Hindustan Times.

The concerns about Helo are the latest blow for ByteDance, which has marketed itself as an artificial intelligence company delivering what users want to see based on what their online interaction in the past. As has been the case with Western platforms, such as Google-owned YouTube which also uses an algorithm to feed users videos that they favor, the outcome can mean sensational and sometimes illegal content.

Along those lines, ByteDance’s focus on AI at the expense of significant “human-led” editorial oversight has come in for criticism.

In July, the Indonesian government banned TikTok because it contained “pornography, inappropriate content and blasphemy.” At home, Chinese media watchdogs have similarly slammed a number of the company’s other content platforms, and regulators in the country went so far as to shutter its humor app for serving “vulgar” content.

But ByteDance is hardly the only tech company entangled in China’s increased media scrutiny. Heavyweights including Tencent, Baidu, and ByteDance’s archrival Kuaishou have also come under attack at various degrees for hosting content deemed problematic by the authorities over the past year.


Source: TechCrunch

Facebook explains Netflix and Spotify's access to users' messages – CNET

Social network says read/write access was necessary to integrate messaging features.
Source: CNET

Facebook reportedly gathering personal data from Tinder, Pregnancy+, other apps – CNET

The social network has been collecting information such as dating profiles and religious affiliation, says a report.
Source: CNET

Fortnite's 14 days of Fortnite is literally a fortnight of Fortnite – CNET

Epic Games unveiled how it will handle challenges over the holidays, with something new to do every day.
Source: CNET

Facebook defends allowing third parties access to user messages

In a new blog post, Facebook VP of Product Partnerships Ime Archibong addressed the company’s latest user privacy controversy. The rebuttal is the second round of Facebook’s push back against Tuesday’s report by the New York Times detailing some of Facebook’s special partnerships and extensive data sharing with major tech players.

In the new post, Archibong specifically argues that Facebook never allowed its partners to access private Facebook messages without a user’s permission. While Facebook did in fact share user messages with third parties, the company claims it only did so “if they chose to use Facebook Login.” Facebook Login allows users to log into third party sites without making a specific new set of login credentials.

As Archibong writes:

“We worked closely with four partners to integrate messaging capabilities into their products so people could message their Facebook friends — but only if they chose to use Facebook Login. These experiences are common in our industry — think of being able to have Alexa read your email aloud or to read your email on Apple’s Mail app.”

He goes on to claim that these features “were experimental and have now been shut down for nearly three years.” Facebook is being purposefully quite specific here about what this particular timeline applies to, as the New York Times story reports that the company engaged in some forms of “special access” data sharing with third parties “as recently as this summer, despite public statements that it had stopped that type of sharing years earlier.”

As to the question of why Facebook would grant messaging partners deep messaging access:

“That was the point of this feature — for the messaging partners mentioned above, we worked with them to build messaging integrations into their apps so people could send messages to their Facebook friends…

In order for you to write a message to a Facebook friend from within Spotify, for instance, we needed to give Spotify “write access.” For you to be able to read messages back, we needed Spotify to have “read access.” “Delete access” meant that if you deleted a message from within Spotify, it would also delete from Facebook. No third party was reading your private messages, or writing messages to your friends without your permission.”

Facebook’s post provides screenshots of these messaging integrations, which happened long enough ago that most of us don’t remember them at all. What Facebook declined to provide in this post: the permissions screens that users saw when granting this access. Those will be key in determining just how informed users were of what they were handing over when casually enabling these integrations.

screenshot via Facebook

Still, no matter how clearly Facebook might have worded the permissions screens, social media users are only just now broadly awakening to the fact that something is unsettling about all of this data sharing. The fact remains that even if users clicked to grant their consent for a feature like this, it’s a problem that they didn’t understand the privacy implications of doing so.

In this instance, it isn’t just Facebook’s problem. With privacy regulation looming on the horizon in the U.S. and the GDPR already making major waves for consumer privacy in the EU, it’s only a matter of time before all major tech companies that rent user data to advertisers face a reckoning that could change everything about the way they do business.


Source: TechCrunch

Turning Online Harassment and Abusive Comments Into Art

Victims of online harassment are using their experiences to inform their work—subverting spiteful comments to create meaningful art.
Source: Wired

The LibreRouter project aims to make mesh networks simple and affordable

In the city, we’re constantly saturated with the radio waves from 10 or 20 different routers, cell towers and other wireless infrastructure. But in rural communities there might only be one internet connection for a whole village. LibreRouter is a hardware and software project that looks to let those communities build their own modern, robust mesh networks to make the most of their limited connectivity.

The intended use case is in situations where, say, a satellite or wired connection terminates at one point, the center of an area, but the people who need to use it live nearby — but well outside the hundred feet or so you can expect a Wi-Fi signal to travel. Often in such a case it’s also prohibitively expensive to run more wires or install cellular infrastructure.

So instead of having people come to the signal, you bring the signal to them with a mesh network: a collection of interconnected wireless routers that pass signals to and from anyone who can reach one of them.

This approach has its own problems: routers can be expensive and difficult to maintain or repair, and the network itself isn’t trivial to set up and troubleshoot either. Off-the-shelf routers and software aren’t the best options — so a team of concerned hackers have put together their own: LibreRouter, and LibreMesh, the software that runs on it.

It’s not some groundbreaking device or fancy software — just purpose-built for use by communities like the ones they’ve tested with in rural Argentina, Mexico, Spain and Canada.

The goal, as LibreRouter’s Nicolás Pace explained to APNIC, is to make mesh networks affordable, robust, scalable and simple to operate; they’re not all the way there, but they do have a working prototype and full software stack based on OpenWRT, a well-known and trusted wireless utility.

They’ve designed the router itself to be modern and powerful, but easy to repair with normal tools and off-the-shelf parts; the software won’t quite be one-click simple, but it should automate many of the harder parts of configuring a mesh. The range on them is in the kilometers rather than meters, so these can really connect quite a large area.

It’s all open source, of course, and the team is always looking for contributors. There’s enough interest, Pace said, that they might ship as many as 2,500 of the devices over the next couple of years once the design is finalized.


Source: TechCrunch

This Elon Musk Interstellar parody is the weirdest thing you’ll see all day

After leaving Elon Musk’s big Boring Company test tunnel reveal Tuesday night, TechCrunch stumbled upon a gem that only the interwebs can provide.

And because farting Teslas and an “entirely new system of transport,” just wasn’t enough for the last 24-hour Elon Musk news cycle, TechCrunch is sharing what it found.

To be clear, this is a parody video. Elon Musk did not star in the movie Interstellar. The video’s creator, who goes by @KaziooFX on Twitter, didn’t use AI or neural nets to create the video. Instead, Kazioo explained via Twitter that traditional manual editing methods were used to place Musk’s face over actor Matthew McConaughey, who was in the film.

The video features footage of Musk in various interviews, including his public pot smoking debut on the Joe Rogan Experience. The video also includes what appears to be footage of SpaceX’s 16th Commercial Resupply Services mission (CRS-16) to the International Space Station.

 

 


Source: TechCrunch

Lotus would like to wish us all a merry driftmas! – Roadshow

The British carmaker is calling for a cease-fire in the war on Christmas and firing its opening salvo in the war on our eardums.
Source: CNET

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