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Archivo del Autor: Belen De Leon

Cyber Monday 2019 best phone deals: Save hundreds on iPhone, Samsung, Pixel and OnePlus – CNET

You can still get up to $575 off an iPhone 11 or $500 off a Galaxy S10. There’s also massive savings on the Pixel 4 plus free gift cards from Walmart, Best Buy and Target.
Source: CNET

Lil Bub, a cat beloved by the internet, dies at age 8 – CNET

The big-eyed internet celebrity who inspired everything from toys to shirts to calendars “passed away peacefully in her sleep.”
Source: CNET

The Best Cyber Monday Deals, How To Sleep Better, and More News

Catch up on the most important news from today in two minutes or less.
Source: Wired

Kredivo’s parent firm FinAccel raises $90M to expand its credit lending platform in Southeast Asia

Singapore-headquartered FinAccel has secured $90 million in what is the largest funding round for a fintech startup in Southeast Asia as it looks to further grow its credit lending app Kredivo and build more financial services.

The financing round, dubbed Series C, for the three-and-a-half-year-old startup was jointly led by Asia Growth Fund — a joint venture between Mirae Asset and Naver — and Square Peg.

Singtel Innov8, TMI (Telkomsel Indonesia), Cathay Innovation, Kejora-InterVest, Mirae Asset Securities, Reinventure and DST Partners participated in the “oversubscribed� financing round, the startup said.

FinAccel said it has raised more than $200 million in debt and equity this year itself. It has raised $140 million in equity to date.

FinAccel operates credit lending app Kredivo in Indonesia, where it has amassed more than a million customers and is growing by a whopping 300% each year, Akshay Garg, chief executive of FinAccel, told TechCrunch in an interview.

The app enables customers to secure credit between $100 and $2,200. If a customer pays it back in full in a month, FinAccel does not charge them any fee. Otherwise, the service levies an interest rate of 2.95%, he explained.

Kredivo’s payments option is also integrated with a number of e-commerce firms, including Lazada and Shoppe, and food delivery startups in Indonesia, so users can quickly access the credit to purchase things and pay the app later.

Credit lending apps are increasingly gaining popularity across the globe, but especially in Southeast Asian markets, where the penetration of credit cards remains low — hence, there are very few people with a traditional credit score. This has created an opportunity for startups to look at other metrics to determine who should get a loan.

FinAccel’s team poses for a picture

Garg said Kredivo looks at a range of data points, including the kind of smartphone model a customer is using, and the apps they have installed on it. “Basically what we’re doing is almost like creating a user profile about the user using a combination of different data signals that come from the existing credit bureaus, the telcos, the e-commerce accounts, the bank accounts and the users themselves,â€� he said.

“All of that creates a 360-degree overview of the customer that helps us determine the risk factors and decide whether to issue the credit,� he added. As of today, Kredivo is only approving about one-third of the applications it receives.

Jikwang Chung, managing director of Mirae Asset Capital, the strategic investment arm of Mirae Asset, said in a statement that FinAccel is one of the leading companies in Southeast Asia that is able to “combine a strong technology DNA with top-tier risk management and a bold vision of financial inclusion.�

FinAccel, which works with banks to finance the credit to customers, has evaluated more than 3 million applications to date and disbursed nearly 30 million loans. Garg said the startup is now working to develop more financial services, such as low-interest education and healthcare loans.

In the next three to four years, it aims to grow to 10 million users and expand to other Southeast Asian markets such as the Philippines, Thailand, and Vietnam.

A handful of other startups also operate in this space in Indonesia. C88, which also offers credit to customers, last year raised $28 million in a financing round led by Experian.


Source: TechCrunch

Lil Bub and the Death of Cuteness

The time of internet cats has passed.
Source: Wired

Omar Hamoui leaves Sequoia for LA-based Mucker Capital as it looks to lead more Series A deals

Mucker Capital, the now eight-year-old, Santa Monica, Calif.-based pre-seed startup accelerator and venture outfit, has brought aboard Omar Hamoui, a partner at Sequoia Capital for the last six-plus years, as its third general partner.

Hamoui joins firm co-founders Erik Rannala and William Hsu, along with several other investors on the team who are collectively working to fund pre-seed, seed-stage and — with Hamoui’s help — Series A-stage deals in the LA region, as well as elsewhere in the U.S.

Mucker’s largest exit to date appears to be the LA-based shopping and rewards platform Honey, which was recently scooped up by PayPal for $4 billion in cash; Mucker was its first investor and the company went through its accelerator program. The firm also has stakes in ServiceTitan, NEXT Trucking, Emailage and AuditBoard, among others of its bets.

To find out more about Hamoui’s previously unreported move, we were in touch earlier today with Rannala to catch up a bit.

TC: When did you start talking with Omar? Did this move involve a recruiter? Is he moving to LA for the role? 

ER: We’ve known Omar for several years. He had moved back to Southern California — he’s originally from here — and was covering LA and the surrounding areas for Sequoia. We got to know him better while collaborating on companies and he ended up leading rounds in two of our portfolio companies, NEXT Trucking and Papaya.

While we’d been historically more focused on pre-seed and seed, we had also been opportunistically investing in post-seed and early Series A rounds for some time. Somewhat serendipitously, Omar actually broached the topic with us independently. Given how well we were already working together, it made a lot of sense for him to join the team.

TC: How many funds have you raised to date? What sizes have they been?

ER: We’re currently investing out of our fourth seed fund [which closed last year]. We’d also raised a separate early-stage vehicle to invest in follow-on rounds for our pre-seed and seed investments and other post-seed and early Series A opportunities. In total, we raised a little less than $90 million last year.

TC: What will Omar be doing, specifically? How will the general partners divide up your coverage?

ER: Omar will be focused primarily on post-seed and early Series A investments, writing $2 million to $3 million checks. The three of us will collaborate across all our seed and early-stage investments, though Omar will be point person on post-seed, and Will and I will continue to focus on pre-seed and seed.

TC: You’ve been at this for a bit with Mucker Capital . What, if anything, has changed in the last year or two in terms of the LA scene?

ER: The LA ecosystem has been scaling and maturing rapidly since we started Mucker. The technical labor force here is roughly the same size as the Bay Area, so we’ve always had a wealth of talent. And the quality and sophistication of entrepreneurs and technical talent just keeps getting better and better as the ecosystem grows and evolves. We continually see more people relocating to LA, and downstream investors spending more time here.

The vast majority of follow-on funding here still comes from Bay Area firms, which isn’t a surprise considering so many firms are headquartered there, [so] overall, we believe LA is still underfunded relative to the size of the ecosystem and the opportunities here. That’s one of the reasons we’ve been expanding the scope of our post-seed and early-stage investing and bringing on a third partner to focus on it. As there are more exits like Honey, Snap and Oculus, we see more and more people recirculating back into the ecosystem, starting companies, angel investing and joining startups. [In the meantime], indigenous venture capital here in LA has lagged behind the growth in number and quality of opportunities that we see.

TC: You aren’t focused exclusively on LA, correct?

ER: Over the past couple of years, we’ve continued to expand the geographic scope of our investments — finding companies in places where Silicon Valley VCs haven’t really been investing, especially at the pre-seed and seed stage. Some of our recent investments are Modus in Seattle, GoFor in Ottawa, Resilia in New Orleans, Pei in Austin and Kast in San Diego.

TC: What company did Mucker miss, and what did you learn from the experience?

RN: One investment we passed on very early was Dollar Shave Club, and it’s certainly one we regret. We met Michael Dubin a few months after he launched the site and his original marketing video went viral. We obviously didn’t get it. Generic razor blades from Korea? Funny video? Pass!


Source: TechCrunch

The tech of giving back: An interview with Salesforce’s Chief Philanthropy Officer

Since its founding two decades ago, Salesforce has pioneered the Pledge 1% model of giving back one percent of equity, product, profit, and employee time to charity.

As EVP, Marketing and Chief Philanthropy Officer for Salesforce, Ebony Beckwith is in charge of identifying those service opportunities for more than 40,000 employees while also managing the Salesforce Foundation, which administers millions of dollars in community grants and programs supporting efforts that include workforce education, disaster relief and K-12 education.

Extra Crunch recently interviewed Beckwith about Salesforce’s ongoing efforts to create a culture that gives back and how Salesforce’s use of both a foundation and a fully-integrated business unit dedicated to nonprofits sets it apart from other corporate philanthropy efforts.

This interview has been edited for length and clarity.

Ebony Frelix Beckwith Salesforce

Photo: courtesy Salesforce

Creating a culture of giving back

Extra Crunch: I want to start with what Salesforce is perhaps best known for: the 1% model. So can you talk about what it means and how it’s evolved over the years?

Ebony Beckwith: So literally the 1% model stands for ‘one, one, one:’ 1% of time, 1% of equity, and 1% of our products. Mark came up with this model based on the work he was doing at his previous company and how he really wanted to marry kind of philanthropy and doing good.

He’ll say, “doing well and doing good go hand in hand. You can do both.� [That’s why] when Mark and the founders started this company twenty years ago, they built giving back into our DNA as a core value.

They were betting on the success of our company before we had anything. You know one percent of employee time when you only have seven employees and not that much. But now we have over 40,000 employees, so one percent of their time is a lot. 

How has that model changed over the years?

Obviously, it’s become more formalized. My team and I are responsible for engaging our 40,000 employees to give back in the community in ways that are meaningful for them where they live and work. It’s part of the corporate culture. People know that [when] they come here, it’s part of the job expectation; [they’re] given seven paid days off to volunteer.

But our team is so small and we can’t get to every single employee. So we have a lot of programs and incentives for them to just really feel good about giving back. We match our employees dollar for dollar up to $5,000 to give back to the causes that they care about. [With] one program, Circle the Schools, our executives adopt a school in their local area, meet with the principal of the school and really work with them as community members to find out what’s needed. We have over 120 now.

Can you talk a little bit about about your identity? Do you see yourself as a philanthropy? As a nonprofit? As a company that services nonprofits?

The model has evolved over time. As of July 1st, Salesforce.org is a full vertical business unit within Salesforce. That is a dedicated social impact team working to serve nonprofits and higher ed and education institutions with our technology. 

At the same time, I am CEO of the Salesforce Foundation, which is the 501(c)(3) where we do all of our strategic grant making. We have a separate board that oversees [it and] a separate strategy. We’ll give away $30 million in grants this year.

[That’s also] where the employee giving programs like volunteer time off and employee matching are.

How do you decide on philanthropic areas?


Source: TechCrunch

Finding free money for your social impact startup

Congratulations; you’ve decided to launch a technology-enabled startup with a positive social impact! Nearly every major Silicon Valley venture-capital firm has now invested in a B Corp; maybe you will be one of them!

The bad news: some venture capitalists have a bias against startups with an explicit positive social impact on the grounds that they have a smaller addressable market, and that the founders are not sufficiently focused on creating shareholder wealth. And of course, effectively all venture capitalists are going to require some equity for their investment.

Fortunately, there are a wide range of organizations that specifically want to support you, not just the VC community. I’m now researching non-dilutive funding for Action Tank, a startup I’m gestating to “Make America Functional Again.� I worked with outsourced research firm Wonder* to identify all of the institutions we could who support tech impact startups with cash and community, and in many cases without dilution.  I emphasize my focus here is organizations which are backing for-profit companies and do not take equity. If you think I’ve missed any, please contact me.

I suggest start by looking at the many programs offered by the Fortune 500’s startup networks. In addition, there are many other groups will give you cash, training, and community with few or no strings attached:

Ashoka is a foundation that engages in scouring for and choosing the leading social entrepreneurs across the globe, who it refers to as Ashoka Fellows.

Aspen Tech Policy Hub. “Our program mixes the best of both Washington and Silicon Valley, bringing together stakeholders in policy and technology to train the next generation of policy entrepreneurs. The Aspen Tech Policy Hub is a West Coast policy incubator, training a new generation of tech policy entrepreneurs. We take tech experts, teach them the policy process through an in-residence fellowship program in the Bay Area, and encourage them to develop outside-the-box solutions to society’s problems. We model ourselves after tech incubators like Y Combinator, but train new policy thinkers and focus the impact of their ideas.

Bluhm/Helfand Social Innovation (BHSI) Fellowship. “Since 2011, the Bluhm/Helfand Social Innovation (BHSI) Fellowship has supported the work of 36 innovators—representing the United States as well as 18 other countries on five continents—who address pressing global issues, from healthcare delivery to college persistence and sustainable construction in developing nations.  From the beginning, the BHSI Fellowship has created meaningful, customized experiences for Fellows with connections to influential business and civic leaders, exposure to a broad audience as a speaker at Chicago Ideas, and over $3 million in financial support and in-kind contributions.�

The Clayton, Dubilier & Rice Fund for Entrepreneurial Studies. “The Clayton, Dubilier & Rice Fund for Entrepreneurial Studies supports entrepreneurs attempting to build something that advances business and society in revolutionary ways. “

Columbia Business School Tamer Fund for Social Ventures. Requires Columbia affiliation.

Draper Richards Kaplan Foundation identifies entrepreneurs that display characteristics of “exceptional social leadership through discretion, influence, vision, ambition, intelligence, and follow-through.� 

DV Hacks, led by BCG Digital Ventures: “A 48-hour hackathon to improve how we live, work, collaborate, and learn.�

Echoing Green is a foundation that distinguishes transformational leaders via its fellowships. Their foci include addressing environmental sustainability, racial and gender equity, economic development concerns, etc.

Future Labs Flash Pitch. “For pre-seed and seed companies based in the U.S. and Israel with a focus on AI for social impact,� 

Google AI for Social Good. “Our 20 selected organizations will receive coaching from Google’s AI experts, Google.org grant funding from a $25 million pool, and credits and consulting from Google Cloud. They will also be offered the opportunity to join a customized 6-month Google Developers Launchpad Accelerator program, including guidance from our nonprofit partner, DataKind, to jumpstart their work. We looked for projects across a range of social impact domains and levels of technical expertise, from organizations that are experienced in AI to those with an idea for how they could put their data to better use. “

Google for Startups Accelerator. “Geared toward social impact startups working to create a healthier and more sustainable future, the accelerator provides access to training, products and technical support. Startup founders will work with Google engineers and receive mentoring from over 20 teams at Google, as well as outside experts and local mentors.  

J.M.Kaplan Innovation Prize. “The J.M.K. Innovation Prize seeks out innovators who are spearheading transformative early-stage projects in the fields of the environment, heritage conservation, and social justice. The J.M.K. Innovation Prize is open to nonprofit and mission-driven for-profit organizations that are tackling America’s most pressing challenges through social innovation. In 2019, we will award up to ten prizes, each including a cash award of $150,000 over three years, plus $25,000 for project expenses, for a total award of $175,000. 

Kairos Fellows. “The Kairos Fellowship is designed to build the next generation of leaders in the field of technology, analytics, digital campaigning, and online organizing.�

MIT Solve initiative. “MIT Solve advances lasting solutions from tech entrepreneurs to address the world’s most pressing problems. Solve is a marketplace for social impact: we find tech entrepreneurs from around the world and broker partnerships across our community to scale their innovative work — driving lasting, transformational change.�

Mulago Foundation Rainer Arnhold Fellowship. “The course brings Fellows and faculty together for an intensive week to work on design for maximum impact and scalability. Held in a retreat center on the coast in Bolinas, California, the course gives Fellows the rare opportunity to focus completely on their ideas and a systematic way to apply them.�

Bloomberg New Economy Forum Solutions. “Mike Bloomberg announces an open call for solutions to global challenges facing the new economy. Entrepreneurs, academics, founders, and big thinkers are invited to submit their solutions to societal problems that need momentum, support, and adoption from the private sector.�

Notley Ventures. “Notley is a catalyst for social innovation unlocking opportunities with today’s impact organizations and changing communities.  Our mission is to scale and support businesses, nonprofits, individuals, and programs making positive change in the world.� 

Recurse Center. “The Recurse Center is a self-directed, community-driven educational retreat for people who want to get better at programming.�

Skoll Foundation. “The Skoll Foundation drives large-scale change by investing in, connecting, and celebrating social entrepreneurs and innovators who help them solve the world’s most pressing problems.�

Summit Fellows. “Through a series of invitation-only events, Summit fosters a global community of entrepreneurs, academics, athletes, artists, astronauts, authors, chefs, engineers, explorers, philanthropists, spiritual leaders, scientists, and beyond.�

Thiel Fellowship. “Founded by technology entrepreneur and investor Peter Thiel in 2011, the Thiel Fellowship is a two-year program for young people [under 22] who want to build new things. Thiel Fellows skip or stop out of college to receive a $100,000 grant and support from the Thiel Foundation’s network of founders, investors, and scientists.�

Pioneer.app. “Get funding and guidance for your project.  Pioneer is a weekly contest for creative people around the world making their ideas become real.  Winners get $7000, a round-trip ticket to Silicon Valley, access to world-class mentorship, and more.�

Roddenberry Foundation Catalyst Fund. “The Catalyst Fund awards small grants for early-stage, innovative, and unconventional ideas that address serious global challenges.“

SEIF Awards Tech for Impact. The SEIF Awards target European impact entrepreneurs who develop or make innovative use of technologies to tackle social and/or environmental challenges and contribute to the UN SDGs [Sustainable Development Goals]. Each Award grants the winners CHF 10’000. Together with our partners UBS and PwC we provide finalists a unique opportunity to increase their international awareness, gain reputation and present themselves to a top-class jury.

Three dot dash. “Powers the most influential social entrepreneurs between the ages of 13 -19, who have found a solution or innovation to address a basic human need.� 

YC120 (part of Y Combinator). “We’d like to find more curious, creative people who are doing exciting work in emerging fields and give them an opportunity to start building their network. “

VentureCrush FG.  Pando Daily wrote: “VentureCrushFG takes no equity, there is no co-working space, and no demo day. The application process is not advertised. Most applicants come from referrals.â€� “VentureCrushFG[‘s]…stellar reputation among founders and investors is due, in part, to the success of its most high-flying companies.â€� “If anything, it’s more of a community than an accelerator, a way to keep a strong network of alumni, mentors and investors connected. Between one and two hundred techies are part of the group, including founders, execs, 40 to 50 VCs and a few dozen angel investors.â€�â€�

We Company Creator Awards. “This global competition is open to entrepreneurs, performers, startups, and nonprofits-anyone who embodies our mantra, Create Your Life’s Work.�

World Summit Awards for Young Innovators. “WSA Young Innovators is a special recognition for young social entrepreneurs under 30 years of age, using ICTs to take action on the United Nations Sustainable Development Goals (UN SDGs). Together with the WSA winners of each year, they are honored as outstanding digital innovation with social impact.�

You may also want to look at product-based crowdfunding, e.g., Indiegogo*. Other traditional options for non-dilutive financing include grants, loans, SBIR, STTR, vouchers and tax credits, include:

You’re eligible for the many accelerators, as well as specifically the impact accelerators. See Conveners Impact Accelerator Selection Tool. Some specific accelerators:

There are many VCs who have a stated focus on social impact; for full lists see Impact Capital Managers and InvestorFlow. Oliver Libby, Managing Partner, H/L Ventures, notes, “it is important to remember that impact funders occupy the same spectrum of returns as regular investors.  From 100% loss capital (e.g. a grant) to shooting for massive returns (some impact VCs), an entrepreneur can unlock everything in between, including first-loss capital, impact bonds, patient capital from program-related investments and families, and more.  The market is also coming to understand that high impact can sometimes come with high returns too.�   

Rachel Butler, President, Cavendish Impact Foundation (where I’m an advisor), mentioned fiscal sponsorship as an option. “It’s an arrangement where an entity in need of funding (and it can be a for-profit, social enterprise) teams up with a 501(c)(3) that has an aligned mission, and money can be raised through the 501(c)(3) and used to support a specific project being done by the social enterprise.

So, for example, if the 501(c)(3) has in its mission to support improving education, and a for-profit social enterprise is developing an app to help improve access to better education for people in underserved communities, the 501(c)(3) could support that specific project. The 501(c)(3) does have to maintain discretion about how they use the funds (as a safeguard to just having it be an arrangement for funneling philanthropic funds), and there are some other stipulations, but otherwise it’s pretty straightforward.  The ‘Project’ can actually do the fundraising, as an agent of the 501(c)(3), and have the money directed to the 501(c)(3). The project is usually something that has a fairly short timeframe with measurable milestones that indicate progress. The 501(c)(3) also takes an administrative fee for their role in the collaboration.“

Bill Warren, CEO of Peeps Democracy, Inc., wrote, “another type of funding source for a social impact entrepreneur to think about is startup challenges/competitions at her/his alma mater. For example, Duke sponsors a $10,000 annual prize for students, faculty, or alumni working on a startup in the clean energy space. These prizes can be a great source of non-dilutive funding for early-stage ventures and also offer free exposure to academic thought-leaders and other alumni, who might support your startup via mentorship or investment. “

Emily Rasmussen, founder & CEO of Grapevine.org, suggests turning philanthropic donations into for-profit investments using Donor Advised Funds (DAFs), which are like Health Savings Accounts for charitable giving. You make a tax deductible donation into a DAF account, get an immediate tax deduction, and then donate your funds out to charities over time. In the meantime, your funds are invested to help grow your fund, just like an endowment. With some 501(c)(3) DAF sponsors (e.g Impact Assets), after making  a tax-deductible donation into their DAF account, donors can then advise the sponsor to invest their charitable assets into a specific social enterprise deal. These deals are sourced by the donor investor and any future returns go back into the DAF account and are available for future impact investments or charitable donations.

Lastly, I suggest reviewing these links on fundraising:

* I’m an investor in this company.

Thanks to Emily Campbell, Esq., of The Campbell Firm PLLC for helpful input; she has advised me on some legal matters in the past.


Source: TechCrunch

33 Best Cyber Monday 2019 Home Deals: Foam Mattresses, Instant Pot, and More

(Updated Frequently) Our favorite Black Friday and Cyber Monday deals on robot vacuums, Dyson, bed-in-a-box mattresses, Instant Pots, and more.
Source: Wired

Dell drops killer deals on XPS 13 and Alienware laptops for Cyber Monday

With big discounts on XPS and Alienware gaming laptops, Cyber Monday is a great time to pick up a new computer for less than the retail price.
Source: Digital trends

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