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Archivo del Autor: Belen De Leon

Samsung Galaxy S20 rumors: 40-MP selfie camera, leaked photos, latest specs – CNET

This week’s rumors and leaks bring us photos of how the phone could look. Plus, more evidence that Samsung will call this year’s flagship the Galaxy S20.
Source: CNET

Catalyst Fund gets $15M from JP Morgan, UK Aid to back 30 EM fintech startups

The Catalyst Fund has gained $15 million in new support from JP Morgan and UK Aid and will back 30 fintech startups in Africa, Asia, and Latin America over the next three years.

The Boston based accelerator provides mentorship and non-equity funding to early-stage tech ventures focused on driving financial inclusion in emerging and frontier markets.

That means connecting people who may not have access to basic financial services — like a bank account, credit or lending options — to those products.

Catalyst Fund will choose an annual cohort of 10 fintech startups in five designated countries: Kenya, Nigeria, South Africa, India and Mexico. Those selected will gain grant-funds and go through a six-month accelerator program. The details of that and how to apply are found here.

“We’re offering grants of up to $100,000 to early-stage companies, plus venture building support…and really…putting these companies on a path to product market fit,” Catalyst Fund Director Maelis Carraro told TechCrunch.

Program participants gain exposure to the fund’s investor networks and investor advisory committee, that include Accion and 500 Startups. With the $15 million Catalyst Fund will also make some additions to its network of global partners that support the accelerator program. Names will be forthcoming, but Carraro, was able to disclose that India’s Yes Bank and University of Cambridge are among them.

Catalyst fund has already accelerated 25 startups through its program. Companies, such as African payments venture ChipperCash and SokoWatch — an East African B2B e-commerce startup for informal retailers — have gone on to raise seven-figure rounds and expand to new markets.

Those are kinds of business moves Catalyst Fund aims to spur with its program. The accelerator was founded in 2016, backed by JP Morgan and the Bill & Melinda Gates Foundation.

Catalyst Fund is now supported and managed by Rockefeller Philanthropy Advisors and global tech consulting firm BFA.

African fintech startups have dominated the accelerator’s companies, comprising 56% of the portfolio into 2019.

That trend continued with Catalyst Fund’s most recent cohort, where five of six fintech ventures — Pesakit, Kwara, Cowrywise, Meerkat and Spoon — are African and one, agtech credit startup Farmart, operates in India.

The draw to Africa is because the continent demonstrates some of the greatest need for Catalyst Fund’s financial inclusion mission.

By several estimates, Africa is home to the largest share of the world’s unbanked population and has a sizable number of underbanked consumers and SMEs.

Roughly 66% of Sub-Saharan Africa’s 1 billion people don’t have a bank account, according to World Bank data.

Collectively, these numbers have led to the bulk of Africa’s VC funding going to thousands of fintech startups attempting to scale payment solutions on the continent.

Digital finance in Africa has also caught the attention of notable outside names. Twitter/Square CEO Jack Dorsey recently took an interest in Africa’s cryptocurrency potential and Wall Street giant Goldman Sachs has invested in fintech startups on the continent.

This lends to the question of JP Morgan’s interests vis-a-vis Catalyst Fund and Africa’s financial sector.

For now, JP Morgan doesn’t have plans to invest directly in Africa startups and is taking a long-view in its support of the accelerator, according to Colleen Briggs — JP Morgan’s Head of Community Innovation

“We find financial health and financial inclusion is a…cornerstone for inclusive growth…For us if you care about a stable economy, you have to start with financial inclusion,” said Briggs, who also oversees the Catalyst Fund.

This take aligns with JP Morgan’s 2019 announcement of a $125 million, philanthropic, five-year global commitment to improve financial health in the U.S. and globally.

More recently, JP Morgan Chase posted some of the strongest financial results on Wall Street, with Q4 profits of $2.9 billion. It’ll be worth following if the company shifts its income-generating prowess to business and venture funding activities in Catalyst Fund markets such as Nigeria, India and Mexico.


Source: TechCrunch

Open banking platform Tink raises €90M at a post-money valuation of €415M

Tink, the European open banking platform, is disclosing €90 million in new funding, just 11 months after the Sweden-headquartered company announced a €56 million round of funding.

Co-leading this new round is Dawn Capital, HMI Capital and Insight Partners. The round also includes the incumbent postal operator and Italy’s largest financial services network Poste Italiane as a new investor, along with existing investors Heartcore Capital, ABN AMRO Ventures and BNP Paribas’ venture arm, Opera Tech Ventures.

The injection of capital will enable Tink to accelerate its European expansion plans and further develop its product accordingly.

“During 2020, we are committed to building out our platform with more bank connections and, on top of that, expand our product offering,” Tink co-founder and CEO Daniel Kjellén tells me. “Our aim is to become the preferred pan-European provider of digital banking services and increase our local presence across the region”.

Originally launched in Sweden in 2013 as a consumer-facing finance app with bank account aggregation at its heart, Tink has long since repositioned its offering to become a fully-fledged open banking platform, requisite with developer APIs, to enable banks and other financial service providers to ride the open banking/PSD2 train.

Through its various APIs, Tink provides four pillars of technology: “Account Aggregation,� “Payment Initiation,� “Personal Finance Management� and “Data Enrichment.� These can be used by third parties to roll their own standalone apps or integrated into existing banking applications.

“We have grown significantly, both in terms of our platform’s connectivity and as an organisation,” says Kjellén, when asked what has changed in the last 11 months. “We have during the year launched our platform in Belgium, Austria, the U.K., Germany, Spain, the Netherlands, Portugal and Italy. In total, our open banking platform is right now live in twelve European markets and connects to more than 2,500 banks that reach more than 250 million bank customers across Europe”.

The company’s headcount has also grown a lot, too. In the beginning of 2019 it sat at around 120, but is now at 300 employees. Most but not all are based in its headquarters in Stockholm, alongside local offices including recently opened sites in Paris, Helsinki, Oslo, Madrid, Warsaw, Milan and Copenhagen.

Perhaps better positioned than most, I asked Kjellén what types of use cases are really resonating with open banking, given that many industry commentators don’t think it has quite yet lived up to the hype.

“Many of our customers are seeing the advantage of being able to build smart multi-banking products with the data that they are now able to fetch and use to add value for their end users,” he says. “The use cases that really show the potential of open banking that we see our customers thriving with are those that leverage the full value of the financial data to deliver truly personalised experiences at scale, or remove friction in the user journey to a minimum, such as proactive price comparison, enhanced credit scoring and onboarding. Use cases such as these show that the consumer’s data can really work for them and bring improvements to their everyday interactions”.

One example Kjellén gives me is Klarna, the checkout credit provider, which he says is using open banking to provide a “wonderful” in-app experience. “I love that I as a consumer can now choose to change my mind and slice up the payments for a purchase I have already paid in full with my bank card,” he explains. “This shows how the potential of open banking goes way beyond just accessing a transaction history and allows the most innovative players, such as Klarna, to create a new standard in consumer experience”.

Kjellén says another standout use-case is using PSD2 APIs to verify identity to complete any type of customer registration completely automatically. “[That is] something that I find very innovative. It automates the previously time-consuming administration on the business side and delivers a completely seamless digital service on the end user side,” he says.

Meanwhile, Tink says its customer numbers have “quadrupled” in the past year, and includes PayPal, Klarna, NatWest, ABN AMRO, BNP Paribas Fortis, Nordea and SEB. “More than 4,000 developers are currently using Tink to build and power new innovative financial services and products,” adds Kjellén.


Source: TechCrunch

Samsung invests $500M to set up a smartphone display plant in India

Samsung, which once led India’s smartphone market, is investing $500 million in its India operations to set up a manufacturing plant at the outskirts of New Delhi to produce displays.

The company disclosed the investment and its plan in a filing to the local regulator earlier this month. The South Korean giant said the plant would produce displays for smartphones as well as a wide-range of other electronics devices.

In the filing, the company disclosed that it would be using some land for the new plant from its existing factory in Noida.

In 2018, Samsung opened a factory in Noida that it claimed was the world’s largest mobile manufacturing plant. For that factory, the company had committed to spend about $700 million.

The new plant should help Samsung further increase its capacity to produce smartphone components locally and access a range of tax benefits that New Delhi offers.

Those benefits would come in handy to the company as it faces off Xiaomi, the Chinese smartphone vendor that put an end to Samsung’s lead in India.

Samsung is now the second largest smartphone player in India, which is the world’s second largest market with nearly 500 million smartphone users. The company in recent months has also lost market share to Chinese brand Realme, which is poised to take over the company in the quarter that ended in December last year, according to some analysts.

TechCrunch has reached out to Samsung for comment.


Source: TechCrunch

El día que aprendí que el éxito no es fruto del talento, sino del esfuerzo

Cuando la ingeniera química Daniela Blanco decidió revolucionar esta enorme y tradicional industria, se dio cuenta de que todavía tenía mucho que aprender. Pero en lugar de desesperarse, aprovechó cada página en blanco con la que se topó para escribir su propio camino hacia el éxito
Source: MIT

Una IA que reconoce emociones ayudará a los astronautas en Marte

La compañía Akin pretende que un asistente capaz de intuir las emociones humanas y responder con empatía sirva de apoyo a la tripulación en las misiones más largas e intervenga si su salud mental está en riesgo. Por el momento, están entrenando a un róver de la NASA para comprender el comportamiento humano
Source: MIT

Por qué es tan difícil crear la alternativa ideal al dinero en efectivo

Si los Gobiernos crean sus propias divisas digitales para evitar que las empresas privadas controlen los sistemas de pago electrónicos, podrían utilizarlas para vigilar a la población. Aunque las descentralizadas criptomonedas prometen más privacidad, lo cierto es que aún son difíciles de usar a gran escala
Source: MIT

Star Wars Luke Skywalker Battle Simulation Helmet: $67 – CNET

This full-size, wearable movie replica includes lighting and sound effects, so your kid (or, let’s be honest — you) can play pew-pew Star Wars games in style.
Source: CNET

That Instagram habit might not be making your teen depressed after all – CNET

New research suggests parents can chill a little about how screen addiction is affecting their teen’s mental health.
Source: CNET

In Los Angeles, the Women’s March embraces technology to organize and inspire

The roughly 300,000 marchers that filled the streets of downtown Los Angeles for the third annual Women’s March received more than just an opportunity to hear from some of the state’s high powered politicians, they were also part of a new experiment from local March organizers in bringing technology into the movement.

Using an organizational tool called SameSide, whose launch coincided with the Women’s March and a joint effort with RockTheVote, Women’s March organizers are hoping to transfer excitement about the march into broader political engagement with local and national women’s issues in this Presidential election year.

At the same time, the March organizers were trying to find a way to incorporate art and artists into the event, while being respectful of public spaces. That’s where a new, pre-launch application called Mark came into the picture.

Mark, a joint venture between the Danish game development firm Sybo and the Chinese mobile game publisher iDreamSky, uses augmented reality to create permanent installations of digital street art. The two year old company is still in beta, but decided to work with the Women’s March as an initial test of its product.

The company agreed to donate up to $300,000 in total, and up to $100 per person for new users who downloaded the application. Mark donated $1 per download and initial share by a user for an account created during the march. Subsequent donations will be made for consecutive days in app and multiple shares of posts made using Mark, according to the company. Login for 60 straight days and share 20 Mark AR posts and the company agreed to donate $100 to The Women’s March.

Image courtesy of Mark

“Any movement encompasses art,” says Women’s March Los Angeles Foundation executive director Emiliana Guereca. “Social justice art and technology and the movement really melded for us. Even though it’s technology, it’s organic.”

Using Google’s persistent cloud anchors in ARCore, Mark users are able to create permanent images that can be viewed and modified through the company’s app. In Los Angeles, the company worked with American and international artists Amy Sol, Sam Kirk , Faith XLVII, Ledania, and Fatma Al-Remaihi to create pieces that would be available at specific sites throughout the march route.

Though the Women’s March may serve as Mark’s debut, the company intends to avoid picking political sides. “We want to be as politically neutral as possible,” says Mark’s chief executive Jeff Lyndon Ko. The former founder of the publicly traded Shenzhen-based gaming publisher iDreamSky, acknowledged that his new company couldn’t work in China’s tightly controlled social media market.

“This project will have a lot more legs outside of the Greater China reach,” Ko said.  As for the company’s Chinese shareholders (iDreamSky is an investor in Mark), the politics of the women’s movement in the U.S. were a foreign concept. “MyChina team was like, ‘What is that?’” Ko said.

If the collaboration with Mark was designed to inspire, the work that The Women’s March Foundation Los Angeles is doing with SameSide is intended to incite action.

A graduate of the politically focused accelerator, Higher Ground Labs, Sameside is the work of Nicole a’Beckett and her brother, a former Navy Seal. Together the two worked to create a social network that would combine political engagement and social activities to develop communities built around shared ideologies and purpose.

The company offers push notifications and reminders of important dates as well as a database of potentially engaged activists who could be organized around social events. It’s kind of like a politically focused “Meetup” with the added ability to message members about important dates and include calls to action for future activity.

“The Women’s March is the unofficial launch of SameSide, and is making the Women’s March in Los Angeles a catalyst for action by providing a platform for people everywhere to set up affiliated events — things like sign making parties, meet-up coffee parties the morning of the march, house parties for those who can’t attend a march — and delivering a voter registration action kit powered by Rock the Vote to everyone who RSVPs to any affiliated events or the Los Angeles Women’s March,” wrote a’Beckett in an email.

The Women’s March Foundation Los Angeles organizers view political engagement as a crucial next step for march participants. “There is a ‘to-do’ list after marching,” says Guereca. “The draw to Sameside is now people can plug in. How to continue the movement via your phone is critical.”


Source: TechCrunch

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