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Archivo del Autor: Belen De Leon

UK to probe fairness of personalized pricing practices in online retail

The UK government has announced an investigation into personalized pricing practices in online retail following growing concerns that vulnerable consumers are at risk of price discrimination through the use of ecommerce technologies that vary prices for products such as cars, holidays and household goods via the use of personal data points.

The Competition Markets Authority (CMA) will also be involved in the research, which was announced yesterday.

The government-commissioned research is intended to investigate how widespread the practice of personalized online pricing is; how businesses are applying it through different mediums like search engines, apps or comparison tools; and the extent to which it is preventing shoppers getting the best deals, the CMA said.

Commenting in a statement, business secretary Greg Clark said: “UK businesses are leading the way in harnessing the power of new technologies and new ways of doing business, benefitting consumers and helping them save money. But we are clear that companies should not be abusing this technology and customer data to treat consumers, particularly vulnerable ones, unfairly.

“The research we are undertaking will help us better understand how we can ensure businesses work in a way that is fair to consumers.”

“Ensuring markets work fairly and in the interests of consumers is a cornerstone of our modern Industrial Strategy, and I am proud to say that our consumer protection regime is among the strongest in the world,” he added.

In another supporting statement, CMA chief executive, Andrea Coscelli, added: “With more of us shopping online, it’s important that we understand how advances in technology impact consumers. This personalised pricing research will help us stay at the forefront of emerging technology, so we can understand how best to protect people from unfair practices where they exist. We will also use the results of the research as part of our ongoing efforts to help vulnerable consumers.”

In September, UK consumer advice charity Citizens Advice filed a super complaint to the CMA calling for it to tackle the loyalty penalty in essential markets such as mortgages and mobiles which it said it resulting in excessive prices being charged to disengaged consumers.

The UK’s Financial Conduct Authority (FCA) has also announced it will be investigating personalised pricing for car and home insurance policies — after finding hidden discrimination between customers.

At the end of last month the FCA said its initial work had identified a number of areas of potential consumer harm — announcing a market study to take a closer look at the outcomes from general insurance pricing practices and make a determination on whether and if so how it should intervene to improve the market.

That market study is focused on: the consumer outcomes from pricing practices; the fairness of outcomes from pricing practices; the impact of pricing practices on competition; and remedies to address any harm that the FCA finds.


Source: TechCrunch

Amazon drops its $25 free shipping minimum for the holidays – CNET

The new benefit comes after similar moves from Target and Walmart.
Source: CNET

Star Wars Resistance episode 6: First Order trouble follows The Children from Tehar – CNET

The evil of the galaxy is getting clearer as the show hints at dark deeds.
Source: CNET

Credit Karma acquires Noddle from TransUnion and expands to the UK

Credit Karma, the US startup with 85 million users that offers credit reports and a platform to browse and buy other financial services, has made an acquisition to help it kick-start its first overseas expansion beyond the US and Canada: it has acquired Noddle, a UK-based credit reporting service with 4 million users, from TransUnion.

Financial terms of the deal are not being disclosed, but Valerie Wagoner, Credit Karma’s VP of International (who had previously been at Twitter), said that it will be a full acquisition of tech and employees — 35 in all — and TransUnion is not taking any stake in Credit Karma as part of this deal, although the two will continue to work together with TransUnion providing data to Credit Karma, as it had done before.

Credit Karma raised $500 million in a secondary round earlier this year that valued it at $4 billion, specifically to help fuel its growth, and that’s what it has been doing. (It also acquired mortgage platform Approved in August.)

For TransUnion, this is a cleaning of house, of sorts. The company, a credit reporting agency that competes against Equifax and Experian — and thus, in part, with Credit Karma, too — acquired CallCredit in the UK earlier this year for $1.4 billion, and Noddle had been a part of CallCredit that overlapped with existing operations at the bigger company: hence the divestment.

“We are proud to have partnered with Credit Karma from its inception to empower tens of millions of consumers with the information they need to make smarter financial decisions,” said John Danaher, TransUnion’s president of Consumer Interactive, in a statement. “This deal represents an expansion of our mission to the United Kingdom, and we look forward to supporting Credit Karma as they continue to expand globally.”

In an interview, Wagoner said that the first thing that Credit Karma is doing is making Noddle’s previously paid credit scoring services free to use from now on, to align it closer with Credit Karma’s business model of offering all credit scoring and monitoring services for free, and making money when a user purchases (not just clicks through to) other financial services on its site from partners.

“We will make sure 100 percent of the business is free and accessible to everyone,” she said.

This will be the first step in integrating the two businesses and their customer bases, she said: the next will be to start to off Credit Karma’s wider range of offerings — which cover services like automotive loans and mortgages, credit cards and refinancing offers — to Noddle’s users.

Although most of the integration will involve using Noddle’s existing base and established market presence in the UK to bring in Credit Karma products, there will be features of Noddle’s coming to Credit Karma as well.

The US startup launched a credit monitoring tool six months ago — in part a response to the many data breaches that we have seen hit the Equifaxes of the world in recent times — and it will be expanding that to do more with identity monitoring.

This is an area where Noddle has been developing products, Wagoner said, and the plan longer term will be to use some of that development in Credit Karma’s wider business.

“We never want data breaches to happen but we know they are inevitable in this day and age,” she said, “not just at credit bureaus but all businesses, so it’s important for us to be able to deliver services to members that affect them and their credit around ID monitoring and services that help monitor breeches.”

She noted that Noddle’s ID monitoring product — which had been one of its paid products — today has relatively little usage. For example, it partnered with TalkTalk in 2015 to provide ID monitoring to users after the carrier reported a data breach where TalkTalk would have paid for the monitoring deal to offer the service free to its customers. But “it is a sign that Noddle cares about that mission and is a great fit for the Credit Karma family family.”  No word on when that product will make its way to the Credit Karma service elsewhere, but that is on the roadmap she said.

 


Source: TechCrunch

The Walking Dead's Rick Grimes is getting his own movie trilogy spin-off – CNET

This isn’t the end for Rick Grimes.
Source: CNET

Korean AI startup Skelter Labs raises $10M to expand to Southeast Asia

Korean AI startup Skelter Labs is expanding to Southeast Asia after it pulled in $10 million in new funding led by Singapore-based VC firm Golden Gate Ventures.

Skelter Labs was founded in 2015 by founded by Ted Cho, the former engineering site director at Google Korea. It started out developing apps and services that made use of AI but then it pivoted to focus fully on AI tech, which it licenses out to companies and corporations that it works with. This new money is aimed at enabling it to move into Japan and parts of Southeast Asia, with Vietnam, Thailand and Malaysia specifically mentioned

The startup raised a $9 million seed round earlier this year, and those investors have returned to join Golden Gate this time around. They include KakaoBrain — the AI unit of Korean messaging giant Kakao — Kakao’s K-Cute venture arm, Stonebridge Ventures and Lotte Homeshopping, the TV and internet shopping business owned by multi-billion dollar retail giant Lotte.

More specifically, Seoul-based Skelter Labs works on AI in the context of vision and speech, conversation, and context recognition, while it goes after customers in areas that include manufacturing, customer operations, device interaction, and consumer marketing.

The startup doesn’t disclose specific customers, but it previously told TechCrunch that its vision is to bring its machine learning technology to daily life and schedules. Possible examples of that might be could include “intelligent virtual assistant technology that can be widely applied to various areas including smart speakers, smartphones, home appliances, automobiles and wearable devices.”

Golden Gate is one of Southeast Asia’s longest running tech VC firms. This deal is part of its recently announced third fund, which is $100 million in size.

In a statement, Skelter Labs CEO Cho paid tribute to the VC’s strong footprint in Southeast Asia that he said could open doors for the company. Startups in Golden Gate’s portfolio that might be of particular interest could include mobile listings startup Carousell, auto portal Carro, fashion commerce site Grana and online furnishings seller Hipvan.


Source: TechCrunch

Korean AI startup Skelter Labs lands strategic investment to expand to Southeast Asia

Korean AI startup Skelter Labs is expanding to Southeast Asia after it pulled in undisclosed funding from Singapore-based VC firm Golden Gate Ventures.

Skelter Labs was founded in 2015 by founded by Ted Cho, the former engineering site director at Google Korea. It started out developing apps and services that made use of AI but then it pivoted to focus fully on AI tech, which it licenses out to companies and corporations that it works with. Now it is eying opportunities in  Japan and parts of Southeast Asia — which has a cumulative population of over 600 million — with Vietnam, Thailand and Malaysia specifically mentioned.

The startup raised a $9 million seed round earlier this year, and Golden Gate has added an additional check to that round which came from KakaoBrain — the AI unit of Korean messaging giant Kakao — Kakao’s K-Cute venture arm, Stonebridge Ventures and Lotte Homeshopping, the TV and internet shopping business owned by multi-billion dollar retail giant Lotte.

More specifically, Seoul-based Skelter Labs works on AI in the context of vision and speech, conversation, and context recognition, while it goes after customers in areas that include manufacturing, customer operations, device interaction, and consumer marketing.

The startup doesn’t disclose customers, but it previously told TechCrunch that its vision is to bring its machine learning technology to daily life and schedules. Possible examples of that might be could include “intelligent virtual assistant technology that can be widely applied to various areas including smart speakers, smartphones, home appliances, automobiles and wearable devices.”

Golden Gate is one of Southeast Asia’s longest running tech VC firms. This deal is part of its recently announced third fund, which is $100 million in size.

In a statement, Skelter Labs CEO Cho paid tribute to the VC’s strong footprint in Southeast Asia that he said could open doors for the company. Startups in Golden Gate’s portfolio that might be of particular interest could include mobile listings startup Carousell, auto portal Carro, fashion commerce site Grana and online furnishings seller Hipvan.

Note: The original version of this article has been corrected. Skelter Labs has announced an extension to its previous round not a new round. Apologies for any confusion caused.


Source: TechCrunch

Gab, the social network linked to the Pittsburgh shooting suspect, returns online – CNET

The site went offline last week after one of its users killed 11 people during prayer services at a Pittsburgh synagogue.
Source: CNET

Zoom all the way into the supermassive black hole at the centre of our galaxy – CNET

Just in case you wanted to feel completely tiny and insignificant today.
Source: CNET

Fortnite's gorgeous Cube event sends players into a crazy void – CNET

Go to the light, then parachute right back into battle.
Source: CNET

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