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Archivo del Autor: Belen De Leon

Launching out of YC, Blair is aiming to reshape the financing of college tuition

It’s generally agreed that Higher Education in the United States has gradually become more and more unaffordable. Students are dependent on external financial resources for which many of them do not even qualify. Students that are able to secure a loan, often have to take on debts they can’t really afford. And if they don’t eventually land a job with enough income, they are saddled with debt for a very long time.

Much of the problem is that most student loan companies are not concerned with the overall financial well-being of their students, who often feel stuck, trying to repay a loan they cannot afford, without a backup organization that will help them figure it all out. We can see that in the figures. The student loan debt in the US has just reached $1.6 trillion dollars and more than quadrupled in the last 15 years.

With the student debt crisis getting out of hand, the topic has become a semi-permanent issue in the news.

Launching next week is a new startup under the Ycombinator accelerator called Blair which aims to address this seemingly intractable problem.

Blair finances college students through what’s called “Income Share Agreementsâ€� (ISA). Students receive funding for their tuition or costs of living and in turn pay back a percentage of their income for a fixed period of time after they graduate. Repayments adjust to individual income circumstances and by deferring payments in times of low income we protect the downside of the students.

It thus provides students with an alternative to debt which is tailored to their individual circumstances to ensure affordability. Blair’s underwriting process is based on the future potential of a student and not their credit score or co-signer, which could be a deal-breaker in traditional settings. Blair’s competitors are traditional student lenders: Sallie Mae, Sofi, Earnest, Wells Fargo, Citizen Bank, other banks. ISA companies include Vemo Education, Leif, Almapact, Lumni and Defynance.

In contrast to traditional student loan companies, Blair relies on being more aligned with the financial incentives of students, the idea being that it supports students in improving their employability by placing them in internships early, giving them access to industry mentors and coaching them individually on their career prospects.

The founders came up with the idea from personal experience. Constantin, one of the co-founders, is on an ISA himself, as are a lot of the company’s friends. They stumbled across the problem of student debt over and over again while studying in the US and noticed a stark difference between their friends in the US and their friends in Germany. The main reason is that 40% of the students at their alma maters in Germany use Income Share Agreements to finance their studies. They plan to use their experience from Europe and make ISAs more widespread in the US.

Students apply for funding on the website, and within minutes and get a personal quote shortly after. If they accept the quote, they receive their funding within a couple of days which they can use to pay for their tuition or cost of living. Once Blair issues the funding, it crafts a holistic career plan for each individual student and starts supporting them in landing the internships and jobs they want. This includes, for example, optimizing their application documents, preparing them for interviews or connecting them to mentors in their target industry. For context, they batch students together in funds and let external investors invest in the funds.

It receives a cut of the student repayments and carried interest if a student fund performs better than the target return. Additionally, it partners with companies that hire talent through the platform.

Blair has raised the first fund for 50 students and disbursed money for the first ten. The rest of the students will receive their money within the next weeks. After YC’s Demo Day the company will deploy a larger fund that will support 200 additional students.

“Our underwriting model is unique since we have based it on data from concluded ISA funds in European countries,â€� says cofounder Mike Mahlkow.

“In the last two weeks, we received applications for funding totaling over 4 million dollars. Many of our students come from underprivileged backgrounds, often without any support network. Our goal is to build a human capital platform where individuals can access capital based on their future potential instead of their past and investors can participate in the upside potential of individuals in an ethical wayâ€� he adds.


Source: TechCrunch

WebKit’s new anti-tracking policy puts privacy on a par with security

WebKit, the open source engine that underpins Internet browsers including Apple’s Safari browser, has announced a new tracking prevention policy that takes the strictest line yet on the background and cross-site tracking practices and technologies which are used to creep on Internet users as they go about their business online.

Trackers are technologies that are invisible to the average web user, yet which are designed to keep tabs on where they go and what they look at online — typically for ad targeting but web user profiling can have much broader implications than just creepy ads, potentially impacting the services people can access or the prices they see, and so on. Trackers can also be a conduit for hackers to inject actual malware, not just adtech.

This translates to stuff like tracking pixels; browser and device fingerprinting; and navigational tracking to name just a few of the myriad methods that have sprouted like weeds from an unregulated digital adtech industry that’s poured vast resource into ‘innovations’ intended to strip web users of their privacy.

WebKit’s new policy is essentially saying enough: Stop the creeping.

But — and here’s the shift — it’s also saying it’s going to treat attempts to circumvent its policy as akin to malicious hack attacks to be responded to in kind; i.e. with privacy patches and fresh technical measures to prevent tracking.

“WebKit will do its best to prevent all covert tracking, and all cross-site tracking (even when it’s not covert),” the organization writes (emphasis its), adding that these goals will apply to all types of tracking listed in the policy — as well as “tracking techniques currently unknown to us”.

“If we discover additional tracking techniques, we may expand this policy to include the new techniques and we may implement technical measures to prevent those techniques,” it adds.

“We will review WebKit patches in accordance with this policy. We will review new and existing web standards in light of this policy. And we will create new web technologies to re-enable specific non-harmful practices without reintroducing tracking capabilities.”

Spelling out its approach to circumvention, it states in no uncertain terms: “We treat circumvention of shipping anti-tracking measures with the same seriousness as exploitation of security vulnerabilities,” adding: “If a party attempts to circumvent our tracking prevention methods, we may add additional restrictions without prior notice. These restrictions may apply universally; to algorithmically classified targets; or to specific parties engaging in circumvention.”

It also says that if a certain tracking technique cannot be completely prevented without causing knock-on effects with webpage functions the user does intend to interact with, it will “limit the capability” of using the technique” — giving examples such as “limiting the time window for tracking” and “reducing the available bits of entropy” (i.e. limiting how many unique data points are available to be used to identify a user or their behavior).

If even that’s not possible “without undue user harm” it says it will “ask for the user’s informed consent to potential tracking”.

“We consider certain user actions, such as logging in to multiple first party websites or apps using the same account, to be implied consent to identifying the user as having the same identity in these multiple places. However, such logins should require a user action and be noticeable by the user, not be invisible or hidden,” it further warns.

WebKit credits Mozilla’s anti-tracking policy as inspiring and underpinning its new approach.

Commenting on the new policy, Dr Lukasz Olejnik, an independent cybersecurity advisor and research associate at the Center for Technology and Global Affairs Oxford University, says it marks a milestone in the evolution of how user privacy is treated in the browser — setting it on the same footing as security.

“Treating privacy protection circumventions on par with security exploitation is a first of its kind and unprecedented move,” he tells TechCrunch. “This sends a clear warning to the potential abusers but also to the users… This is much more valuable than the still typical approach of ‘we treat the privacy of our users very seriously’ that some still think is enough when it comes to user expectation.”

Asked how he sees the policy impacting pervasive tracking, Olejnik does not predict an instant, overnight purge of unethical tracking of users of WebKit-based browsers but argues there will be less room for consent-less data-grabbers to manoeuvre.

“Some level of tracking, including with unethical technologies, will probably remain in use for the time being. But covert tracking is less and less tolerated,” he says. “It’s also interesting if any decisions will follow, such as for example the expansion of bug bounties to reported privacy vulnerabilities.”

“How this policy will be enforced in practice will be carefully observed,” he adds.

As you’d expect, he credits not just regulation but the role played by active privacy researchers in helping to draw attention and change attitudes towards privacy protection — and thus to drive change in the industry.

There’s certainly no doubt that privacy research is a vital ingredient for regulation to function in such a complex area — feeding complaints that trigger scrutiny that can in turn unlock enforcement and force a change of practice.

Although that’s also a process that takes time.

“The quality of cybersecurity and privacy technology policy, including its communication still leave much to desire, at least at most organisations. This will not change fast,” says says Olejnik. “Even if privacy is treated at the ‘C-level’, this then still tends to be about the purely risk of compliance. Fortunately, some important industry players with good understanding of both technology policy and the actual technology, even the emerging ones still under active research, treat it increasingly seriously.

“We owe it to the natural flow of the privacy research output, the talent inflows, and the slowly moving strategic shifts as well to a minor degree to the regulatory pressure and public heat. This process is naturally slow and we are far from the end.”

For its part, WebKit has been taking aim at trackers for several years now, adding features intended to reduce pervasive tracking — such as, back in 2017, Intelligent Tracking Prevention (ITP), which uses machine learning to squeeze cross-site tracking by putting more limits on cookies and other website data.

Apple immediately applied ITP to its desktop Safari browser — drawing predictable fast-fire from the Internet Advertising Bureau whose membership is comprised of every type of tracker deploying entity on the Internet.

But it’s the creepy trackers that are looking increasingly out of step with public opinion. And, indeed, with the direction of travel of the industry.

In Europe, regulation can be credited with actively steering developments too — following last year’s application of a major update to the region’s comprehensive privacy framework (which finally brought the threat of enforcement that actually bites). The General Data Protection Regulation (GDPR) has also increased transparency around security breaches and data practices. And, as always, sunlight disinfects.

Although there remains the issue of abuse of consent for EU regulators to tackle — with research suggesting many regional cookie consent pop-ups currently offer users no meaningful privacy choices despite GDPR requiring consent to be specific, informed and freely given.

It also remains to be seen how the adtech industry will respond to background tracking being squeezed at the browser level. Continued aggressive lobbying to try to water down privacy protections seems inevitable — if ultimately futile. And perhaps, in Europe in the short term, there will be attempts by the adtech industry to funnel more tracking via cookie ‘consent’ notices that nudge or force users to accept.

As the security space underlines, humans are always the weakest link. So privacy-hostile social engineering might be the easiest way for adtech interests to keep overriding user agency and grabbing their data anyway. Stopping that will likely need regulators to step in and intervene.

Another question thrown up by WebKit’s new policy is which way Chromium will jump, aka the browser engine that underpins Google’s hugely popular Chrome browser.

Of course Google is an ad giant, and parent company Alphabet still makes the vast majority of its revenue from digital advertising — so it maintains a massive interest in tracking Internet users to serve targeted ads.

Yet Chromium developers did pay early attention to the problem of unethical tracking. Here, for example, are two discussing potential future work to combat tracking techniques designed to override privacy settings in a blog post from nearly five years ago.

There have also been much more recent signs Google paying attention to Chrome users’ privacy, such as changes to how it handles cookies which it announced earlier this year.

But with WebKit now raising the stakes — by treating privacy as seriously as security — that puts pressure on Google to respond in kind. Or risk being seen as using its grip on browser marketshare to foot-drag on baked in privacy standards, rather than proactively working to prevent Internet users from being creeped on.


Source: TechCrunch

Google Assistant lets you set timed reminders for family and friends – CNET

Now the search giant can remind your kid to take out the trash when he gets home.
Source: CNET

Apple MacBook Air vs. Microsoft Surface Pro 6

The MacBook Air was updated with more contemporary components and a more modern design, but is that enough to compete with standouts like Microsoft’s Surface Pro 6 detachable tablet?
Source: Digital trends

A Strange Radioactive Cloud Likely Came From Russia

In 2017 a plume of radioactive gas wafted across Europe. A study now shows it probably stemmed from a nuclear accident in southern Russia.
Source: Wired

Google Assistant Now Lets You Send Reminders to Other People

Hey Google, is this the future of passive-aggressive exchanges at home?
Source: Wired

Apply to the TC Hackathon at Disrupt Berlin 2019

Hey hackathon fans, get ready to pack your bags and book your tickets to Berlin. That’s right, baby, the TC Hackathon returns to Disrupt Berlin 2019 on 11-12 December. We’re looking for creative code warriors of every stripe to compete in a grueling, exhilarating marathon that will test your physical, mental and technical limits.

It won’t cost you a thing to apply or to participate. Heck, we even give you a free Innovator pass to attend. Don’t wait on this opportunity — we’re limiting participation to 500 hackers. Apply to the TC Disrupt Berlin Hackathon 2019, compete against some of the best coders and makers in the world and let your freaky hack flag fly.

TechCrunch vets all applicants and if you make the cut, you’ll join a team (or bring one of your own) and spend the next 36 hours designing, coding and creating something new and amazing.

Curious about these sponsored contests? We’ll roll out specifics on sponsors, challenges and prizes over the next few weeks. In the meantime, check out the sponsored contests, prizes and winners from last year’s Disrupt SF 2018 Hackathon. That’ll give you a sense of the kind of projects to expect.

Once the hack clock runs out and you’ve submitted your creation, a team of experts will judge all completed projects in a science-fair style format and select 10 finalists. On day two, those 10 teams will have two minutes to present and pitch their project on the Extra Crunch Stage. No pressure…just kidding. Lots of pressure.

Sponsors will announce the winners of their individual challenges — which come with cash prizes and other incentives. Then TechCrunch will select the best overall hack — and award that team a $5,000 cash prize.

And don’t worry — we’ll keep you fed, watered and caffeinated throughout the event. You’re gonna need all the energy you can muster.

Competing in the TC Hackathon is fast-paced, exhausting and fun. It’s also a great way to network, impress potential employers or meet your next collaborator. Space is limited and seats will go quickly, so apply to the TC Hackathon at Disrupt Berlin 2019 on 11-12 December. Show us your hack!


Source: TechCrunch

Huawei Mate X is unlikely to come out before November – CNET

The foldable phone won’t arrive in September after all, a report said.
Source: CNET

Best smart plugs for 2019 – CNET

Smartening dumb devices has never been easier. These plugs are your best bets for a connected home.
Source: CNET

2019 Lexus GS F review: A PG-13 flick in an R-rated segment – Roadshow

In a bubble, the GS F is fun, but when compared against anything else, that veneer starts to peel.
Source: CNET

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