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Archivo del Autor: Belen De Leon

Oscar and Lemonade founders will join us at Disrupt SF to strategize about the future of insurance innovation

Insurance premiums total more than a trillion dollars in the U.S., and yet, where that money goes is something of a mystery. It certainly doesn’t seem to get invested in the consumer experience, where ancient incumbent companies still process paperwork as if it is the 1800s, and consumers are left wanting for new insurance options that meet their needs.

Insurance might well be the last frontier for disruptive innovation, but now, a generation of insurance tech startups is bringing new data models and product experience talent to bear on this sclerotic industry. In the process, they may well become some of the most durable and profitable companies the industry has ever seen.

Those startups face challenging questions. How can a startup even get started in an industry where an insurer often needs millions sitting on the balance sheet just to get started? How can a startup compete in a highly regulated industry, where incumbents have the financial might to actively stamp out competition? Can there be such a thing as delightful insurance?

These are just some of the questions we will be investigating during a high-powered insurance tech panel at Disrupt SF this September 5-7. We will be joined by two founders who are spearheading a complete overhaul of the industry through their companies.

Mario Schlosser is the CEO and co-founder of Oscar, a New York-based health insurance startup that has raised approaching a billion dollars in venture capital. Schlosser started programming as a young boy in Germany, and eventually moved to the U.S. to work on computer science research at Stanford. Later, he migrated to Harvard Business School, where he met his Oscar co-founder Joshua Kushner.

Mario Schlosser (Oscar Health) at TechCrunch Disrupt NY 2017

Working with Kevin Nazemi, the trio launched Oscar in 2013 just as Obamacare’s exchanges were becoming operational. Since then, the company’s health insurance products have become available in six states, and it has more than 700 employees. The company is reportedly on track to hit a billion in revenue in 2018, and recorded its first quarterly profit a few months ago.

Health is just one segment of the insurance landscape though. We also will be hosting Daniel Schreiber, who is the CEO and co-founder of Lemonade, a New York-based renters and home insurance startup. Lemonade, which uses artificial intelligence to make the insurance process faster and more consumer friendly, has gotten huge attention from investors since its launch in 2015, receiving $180 million in venture capital, including a mega round from SoftBank late last year.

Daniel Schreiber (Lemonade) at TechCrunch Disrupt NY 2017

Schreiber, a former attorney who was perviously president of wireless charging startup Powermat, joined with Shai Wininger to launch the startup, and since then the company’s product has been made available in 19 states and the District of Columbia. Perhaps most interestingly, Lemonade has a unique service model for its policyholders. Policyholders are grouped together with “peers” who want to commit to helping the same causes. Then, at the end of the calendar year, any premiums remaining in that group of peers is donated to their cause as part of a “Giveback.” Lemonade takes a fixed cut of the premium, to incentive-align itself with customers and ensure they always pay out claims as efficiently as possible.

If you want to understand the challenge but incredible opportunities present in regulated businesses like insurance, these two founders are not to be missed. They will be chatting on the Next Stage of Disrupt SF the morning of September 5th.

The full agenda is here. Passes for the show are available at the Early-Bird rate until July 25 here.


Source: TechCrunch

AMD’s Ryzen desktop CPUs for 2019 may double the core count

Although we’re waiting for AMD to release new low-end second-generation Ryzen CPUs, AMD appears to be betting big on 2019. If current rumors are true, Ryzen 3 mainstream desktop CPUs will sport up to 16 cores using its Zen 2 design.

The post AMD’s Ryzen desktop CPUs for 2019 may double the core count appeared first on Digital Trends.


Source: Digital trends

HDMI 2.0b explained: Everything you sneed to know

HDMI 2.0b is the backbone for many of the latest updates in 4K UHD technology. And while a new cable standard can often involve a bunch of changes for consumers, that is not the case this time around.

The post HDMI 2.0b explained: Everything you sneed to know appeared first on Digital Trends.


Source: Digital trends

Now this… this is an ultra-wide monitor

I’ve been working with an ugly but functional lopsided two-monitor setup for years, and while it has served me well, I can’t say the new generation of ultra-wide monitors hasn’t tempted me. But the truth is they just aren’t wide enough. Or rather, they weren’t.

Samsung has just blown my mind with a monitor so wide it will serve as a ramp that you can trick off of in the summer. It’s so wide that when it puts on a pair of BVDs they read BOULEVARD. It’s so wide that the Bayeux Tapestry got jealous.

Actually it’s a little less wide than a couple of the monitors Samsung announced at CES — but those had two problems. First, they were 3840×1080. And I just need more vertical pixels than that. Second, they were 49 inches wide. That’s a BIG monitor! Not just big, but with those pixels spread out that far, it’s not going to be sharp at all.

On the other hand, this new one not only adds an extra 120 pixels, bringing it to the far superior 1200 vertical (for a total of 3840×1200), but it is 43 inches corner to corner. Forty-three inches… would that be too big, too small, or would it be…

Just right?!

(Yes, my left monitor is a bit warmer than my right, but it’s not as bad as it looks — that’s a viewing angle issue.)

One of the downsides of a giant monitor is that it can be a pain to separate workspaces or, say, have a movie playing “full screen” on one half while you browse Etsy for vintage kettles on the other. But Samsung has a “picture-by-picture” mode and some other useful features that help with this. So I’m going to give it a shot.

It’s also got 120Hz refresh (though no word on sync tech), a bunch of USB ports, and even a headphone jack. I don’t know why you would want built-in sound on a thing like this, since you clearly are a media freak if you buy it, but they felt the need to add in speakers.

The Samsung C43J89 monitor will cost $900 when it comes out, which admittedly is two or three times what I would normally pay for a monitor — I’m more of a Dell Ultrasharp guy, IPS all the way. But my whole workflow could change when this thing goes on sale.


Source: TechCrunch

How to make a Minecraft server

Whether you’re hosting a server for a few friends or launching a massive effort to recreate your favorite show’s world, you’ve got options for hosting your own Minecraft Server.

The post How to make a Minecraft server appeared first on Digital Trends.


Source: Digital trends

How a Team of Experts Quelled Colorado's Enormous Spring Fire

The state’s third-largest wildfire ever burned more than 100,000 acres and destroyed more than 200 homes.
Source: Wired

Microsoft stops a Russian attempt at hacking 2018 midterm elections

Microsoft discovered that the Russian GRU military intelligence agency attempted to hack the 2018 U.S. midterm elections using similar phishing tactics previously employed to hack the 2016 presidential election.

The post Microsoft stops a Russian attempt at hacking 2018 midterm elections appeared first on Digital Trends.


Source: Digital trends

The World Cup led to a record-breaking number of app downloads and consumer spend in Q2

The second quarter of 2018 was another record-breaker for mobile app downloads and revenue. According to a new report this week from App Annie, there were over 28.4 billion app downloads worldwide across both iOS and Google Play in the quarter, up 15 percent year-over-year. That number is even more remarkable because it doesn’t include reinstalls or updates – only new app downloads. In addition, consumer spending in apps was up 20 percent year-over-year to reach $18.5 billion across iOS and Google Play combined.

This is the most money spent in apps compared with any other quarter before, the report notes, topping the prior quarter’s record-breaking $18.4 billion in app revenue, and 27.5 billion downloads.

Much of the download activity in Q2 came from Google Play.

On its app marketplace alone, global downloads topped 20 billion, up 20 percent year-over-year and widening the gap between itself and iOS by 25 percent points to 160 percent. (See below).

This massive download growth is attributable largely to India, says App Annie .

The country was the biggest driver of download growth year-over-year in both absolute values and growth in market share. Indonesia also played a big role in Google Play downloads.

Meanwhile, the U.S., Russia and Saudi Arabia saw the largest growth in iOS downloads.

In particular, Google Play app downloads included growth in categories like games, video players and editors, and – not surprisingly, given the World Cup – sports applications. And on iOS, Sports apps were also the largest driver of global iOS downloads, followed by Finance and Travel apps.

The impact on the 2018 FIFA World Cup on sports app downloads was also highlighted last month by Sensor Tower, whose own analysis found that new installs of the five leading live TV on demand apps offering channels with the World Cup grew 77 percent during the first week of World Cup coverage, compared with the three preceding weeks (excluding the NBA Finals period).

Sports streaming service fuboTV saw the largest impact, growing at a whopping 713 percent and adding 309K new users in the U.S., while Hulu saw the smallest impact at 18 percent growth.

Single network apps grew, too, this earlier report said. FOX Sports downloads increased by 95x for the same period, while Telemundo Deportes En Vivo grew 444x, for example.

App Annie added that the top 3 sports apps in Android in the U.S. during the first three weeks of the tournament were Telemundo Deportes (#1), FOX Sports GO (#2), and FOX Sports (#3), in terms of average megabytes per user – an indication of users’ live-streaming activity. The apps were also new entrants to the top 10 list of apps by total time spent, compared with the three weeks directly prior.

In the U.K., over 6 million hours were spent in the top 10 sports apps on Android during the first 3 weeks of the World Cup, up 65 percent from the 3 weeks prior.

The World Cup also had an impact on consumer spending in apps in the quarter.

Sports apps on iOS were the third largest contributors to absolute growth in consumer spend and in market share in Q2, while Entertainment and Productivity apps were numbers one and two, respectively. In-app subscriptions for both Sports and Entertainment apps drove the consumer spending increases.

On Google Play, Games, Social, and Music & Audio apps saw the largest download growth, quarter-over-quarter.

However, despite the downloads and consumer spending in sports and TV apps, the charts of the top 10 apps by worldwide downloads and consumer spending look a lot like they usually do – with Facebook apps dominating the top 10 by downloads (Messenger, Facebook, WhatsApp and Instagram were the top  4).

And the top 10 apps by spending were still largely those subscription-based entertainment services like Netflix, Tencent Video, iQIYI, Pandora, Youku, and YouTube.


Source: TechCrunch

Facebook and Instagram take tougher stance on underage kids – CNET

Moderators are being told to lock the accounts of those suspected to be children.
Source: CNET

MacOS Mojave beta broke Chrome's checkboxes. Here are two ways to bring them back – CNET

Bad beta!
Source: CNET

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