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Archivo del Autor: Belen De Leon

Challenger bank Starling adds investment service Wealthify to its in-app marketplace

Starling, the U.K. challenger bank founded by Anne Boden, continues to execute on its “marketplace banking” vision, adding integration with Aviva-backed online investment service Wealthify.

Starling already has an existing partnership with digital investing service Wealthsimple — meaning that the Starling Marketplace is getting a little more competitive — along with mortgage broker Habito, travel insurance provider Kasko, and receipts & loyalty partner Flux.

However, the Wealthify integration goes a little deeper than most of the current partnerships and represents the next phase of the Starling Marketplace. Unlike PensionBee, for example, which only shares high level data with the Starling app (e.g. the size of your pension pot), Wealthify data-sharing is two-way, meaning that you can authorise Starling to share a limited set of your Starling data with Wealthify to make it a lot easier to sign up to the investment service.

“When a customer clicks ‘add’ from within Starling, new Wealthify users are then asked if they’d like to securely share Starling data with Wealthify (e.g. name, DOB, address, etc as well as account number and sort code for setting up the direct debit, if they want),” Starling’s Chief Platform Officer Megan Caywood explains. “And if they say yes then that auto-populates many of the fields in the Wealthify setup”.

Furthermore, Caywood says Starling is looking to advance each of it partnerships to get to this two-way integration, where Starling customers can more easily access products and services and manage them on an ongoing basis.

More broadly, the idea behind marketplace banking is that your bank will provide you with access to a choice of third-party money-related apps and services. The battle between banks and fintechs isn’t a zero sum game. Partnerships are being forged at a rapid pace, either formally or simply through open APIs mandated by Open Banking/PSD2 legislation.

Meanwhile, Starling isn’t the only challenger bank or fintech in the U.K./Europe building out a marketplace banking vision, in some form or another. To varying degrees, the likes of Monzo, Revolut, Tandem, Curve, and Cleo, are also exploring similar ideas with the end goal to become your financial control centre.


Source: TechCrunch

Amazon rolls out Alexa for kids: Dad jokes reach a new level – CNET

Starting May 9, customers can subscribe to a version of Alexa that has audio books, games and music catered to kids. Plus, there’s the Echo Dot Kids Edition.
Source: CNET

Here's How to Photograph a Lightning Bolt

Storm chaser Jason Weingart has mastered the art.
Source: Wired

What Happens When Science Just Disappears?

When one of the first online science journals went under, its papers all disappeared. Enter: Portico, the Wayback Machine for scholarly publications.
Source: Wired

Opera launches a new mobile browser

Opera today announced a new mobile browser, Opera Touch, that shows that there’s still plenty of room for a competitor in the mobile browsing world. Opera Touch takes some ideas from the company’s experimental Opera Neon desktop browser and packages it into a highly usable package for Android, with an iOS version coming soon.

It’s not so much that Touch reinvents the wheel, but that it seems to have been designed with the idea of putting the user first. This starts with small touches, like putting the tab switcher and access to your bookmarks at the bottom of the page, so that you never have to do some finger gymnastics to reach the top of your screen again (or use two hands, which I guess is also an option…). Safari users are surely quite familiar with having access to these features at the bottom of the screen, but on the main Android browsers, it’s been oddly absent.

When you hold it down, this ‘fast action’ button also gives you easy access to your tabs and a simple tap lets you quickly start a search or type a URL.

“We have moved the browser’s key functions within your thumb’s reach,” said Maciej Kocemba, product manager at Opera, in today’s announcement. “This means that, unlike in most other browsers, you can more easily browse and search the web when on the move.”

The browser also comes with Opera’s ad blocker, if that’s your thing, as well as cryptojacking protection.

What’s maybe most important, though, is that the Opera desktop browser (version 52 is launching today) and Opera Touch can now easily share information with each other without the need for logins and passwords. You simply scan a QR code from the desktop version with Opera Touch and you should be ready to go.

This new feature, dubbed ‘Flow,’ didn’t quite work for me when I tested the new mobile and desktop browsers ahead of the launch, but I assume that’s just pre-launch jitters. When it works, though, it should free you from having to email links to yourself, something too many people still do, despite that face that most mobile browsers to support some kind of syncing with the desktop counterparts. Often, though, those features are rather hidden.

Of course, not everything can be perfect. One feature I sorely  miss in Opera Touch is the ability to actually manage my bookmarks. Touch automagically fills in your list of most often used sites, but there is no way to pin a bookmark to a specific spot in that list. To be fair, most people probably just type the first few letters of the site they want to go to and that’s fine, but a bit more flexibility here would be nice.

If you’re interested in looking at an alternative browser, Opera Touch is definitely worth a try. It works best in combination with the desktop version, but it’s also perfectly fine as a stand-alone mobile browser.


Source: TechCrunch

Techtonic Group raises $2 million to transform tech hiring through apprenticeships

Where the two companies are using price arbitrage between the costs of developers in emerging markets and coders in the U.S., Techtonic Group is simply offering access to talent.

The company’s program pitches itself not just as a development shop, but as a recruitment and training company connecting its clients with skilled entry-level talent. The firm’s clients actually can hire Techtonic Group apprentices at no additional cost after 1,000 hours of work together.

The company has fairly typical standards for the skills that its looking for, but it doesn’t require its apprentices to have a degree. Since its inception, more than 30 percent of the participants in the program have been women, half come from underrepresented minority backgrounds, and one quarter are veterans, according to a statement from the company.

Given the demands for new programmers across the economy, to most businesses it doesn’t matter where the qualified new employees come from. The company cited estimates that suggest as many as 1 million coding positions will go unfilled by 2020. And the industry’s struggle to develop and hire a more diverse workforce has been well documented. 

“Tech companies are beginning to recognize the importance of expanding the talent pool to more diverse candidates as both as socially responsible decision and a good business practice,” said Heather Terenzio, Founder and CEO of Techtonic Group, in a statement. “But hiring norms, including degree requirements, can box-out the very talent that employers want and need. Our model offers a new paradigm by enabling our clients to build software with a leading firm while they are building a team based on skills and potential, rather than pedigree.”

The Denver-based Techtonic Group was founded in 2006 as a software development shop, but it’s the company’s Department of Labor registered apprenticeship provider for software development that really attracted investors — including University Ventures, an education and training focused investment firm, and Zoma Capital, a venture capital fund affiliated with the multi-billion dollar family office of the Walton family (heirs to the Walmart fortune).

The company’s customers include Zayo Group, Well Wallet, Pivotal Software, and Misty Robotics .

“In an industry that grapples with both pervasive skills gaps, and a troubling diversity challenge, Techtonic Group is pioneering a uniquely American solution: outsourced apprenticeships,” said Ryan Craig, managing partner of University Ventures, in a statement. “Techtonic Group’s outsourced apprenticeship model radically reduces hiring friction for employers and provides a pathway to great first digital jobs for Americans of all backgrounds.”

Techtonic isn’t the only company to attempt to bring the apprentice model to Middle America, Kenzie Academy, launched by the Malaysian-born entrepreneur Chok Ooi and based off of a business he’d co-founded called Agility.io.

As we wrote back in November:

The principal idea behind Kenzie  — which is named after Ooi’s youngest daughter — is to address the gap between higher education and the world of employment. That’s in the form of a work-focused school that transitions students into the world of work with the skills they need, while helping talent-hungry tech firms fill vacant roles in a more efficient way.

As for Zoma Capital, much of its focus is on trying to alleviate some of the pressures wrought by the mass industrialization, globalization and evisceration of local economies which helped to create the billions of dollars its investors are spending.

“We’re passionate about identifying and supporting promising solutions that tackle pressing social challenges,” said Ben Walton, Co-Founder of Zoma Capital. “Techtonic Group’s approach recognizes the power of on-the-job training and relationship-building to not only  equip individuals with in-demand skills, but also help them identify fulfilling career pathways for the long term.”


Source: TechCrunch

How to get the new Gmail right now – CNET

Gmail is undergoing a massive redesign and gaining plenty of new features. Here’s how to get it right now!
Source: CNET

Say hello to the new Gmail with self-destructing messages, email snoozing and more

Today, Google is launching the biggest revamp of Gmail in years. The company is bringing to the flagship Gmail service many (but not all) of the features it trialed in Inbox for Gmail, and adding a few new ones, too. With those new features, which we first reported earlier this month, the company is also introducing a refreshed design for the service, though if you’ve used Gmail before, you’ll feel right at home.

If you’ve followed along with the leaks in recent weeks, none of the new features will surprise you. It’s also not a huge surprise that Google is bringing some features from Inbox over to Gmail. What did surprise me while trying out the new service ahead of today’s launch, though, is that some features that didn’t get a lot of attention in the leaks, including the new consistent sidebar with its built-in Google Calendar, Tasks and Keep integration, are maybe among the most useful of the additions here.

But let’s start from the beginning. The new Gmail comes with a slew of new features. The first you’ll likely notice is the ability to take actions on emails right from the Inbox itself. Just like in Inbox, when you hover over an email without clicking into it, you’ll now see icons to archive and delete a message, as well as mark it as read (without ever reading it). There’s also a link to the new ‘snooze’ feature here.

When you try to snooze an email, Gmail gives you the option to resurface it later in the day, tomorrow, later this week, on the weekend or next week. If you’re a fan of a clean inbox, that’s a good way to keep your inbox empty and still rest assured that an important email that you want to take care of later will pop back up into your queue. Oddly enough, the snooze feature is only available from the inbox. There’s no way to get to it when you’re actually reading an email.

If you are more like me and don’t really care about how messy your inbox is, then the new “nudging” feature will come in handy. Here, Google uses its AI smarts to figure out that a message is probably important to you and resurfaces it to remind you to follow up or reply.

Google is now also using these same AI smarts to bring to the web its smart replies feature, which you are probably familiar with from the Gmail mobile apps.

The other major new feature in this update is “confidential mode.” The idea here is simple: When you write an email, you can select for how long the recipient will be able to read the email. Recipients will not be able to forward, copy and paste, download or print the content. You can’t stop anybody from taking a picture of the screen of course, but what’s maybe more important here is that if anybody ever hacked the recipient’s account, that email with your confidential information will be long gone. For added security, you can also add a second-factor authentication here, where the recipient will have to receive an SMS message with a Google-generated passcode to read the email.

Other new features in Gmail include high-priority notifications, which will only notify you of a new email if Google deems it to be really, really important, and unsubscribe suggestions, which nudges you to unsubscribe when it looks like you stopped reading messages from a given newsletter (low open rates are the bane of newsletter publishers, after all, so they’ll be okay if you leave).

But wait, there’s more (did I mention this is a major update?). Gmail is also getting a new built-in offline mode since it’s now a fully fledged progressive web app. You can store up to 90 days of emails and search through them, for example. This new capability will launch in the coming weeks.

Maybe my favorite new feature — and something that isn’t available in Inbox — is the new right sidebar, which comes pre-populated with a clever Google Calendar widget that gives you a view of a single day’s events and lets you add new events right from your inbox.

The sidebar also features Google Keep for note taking (though sadly, it doesn’t look like you can attach notes to emails or even drop them into a note) and Google Tasks. Tasks actually has a bit of a connection to your emails since you can drag and drop emails into the sidebar to create new tasks. Personally, I use the Trello add-on for this (and all regular Gmail add-ons will still work with the new Gmail), but I’m sure people will find plenty of uses for this.

All of those new features are supported by the new design, which itself feels more like a refresh than a revolution. Like before, you can choose between three density settings: default, comfortable and compact. The default setting is the most interesting option because it comes with a new feature, too: attachment clips. Instead of simply showing you the standard paperclip in your inbox to signify that an email chain includes an attachment, the new Gmail now highlights the attachments right underneath the message preview in the inbox view.

Unlike in Inbox by Gmail, you won’t get a full preview of an image here, but you will be able to click right into the attachment without opening up the email.

It’s worth pointing out that many standard Gmail features aren’t going anywhere. You can still use the Priority Inbox and star messages, for example. You can still sort and filter emails into different folders/categories. If you like Google’s automatic filters for promotional emails, social media updates, newsletters, etc., then you can still use those, too. And even though nobody actually understands what Google’s plans for Hangouts really is, it’s still right there in your inbox.

Sadly, one of my favorite Inbox features, the automatic grouping of travel emails (think flight confirmations, car and hotel reservations etc.) into a single bundle, has not made the move to Gmail (yet). Maybe that’ll come later.

The new design is now rolling out to regular Gmail users. As usual, you’ll be able to switch back and forth at first. Then, at some point in the future, Google will switch all users to the new design. For business users, the G Suite admin will have to enable these new features by enrolling in the G Suite Early Adopter Program.


Source: TechCrunch

Fat Lama, the online marketplace for renting out things you own, raises $10M

Fat Lama, the startup that offers a fully insured peer-to-peer rental marketplace for almost anything, is getting a little fatter. The London-based company has raised $10 million in Series A funding in a round led by Ophelia Brown’s recently outed Blossom Capital, with participation from Niklas Zennström’s Atomico and existing backer Y Combinator.

Aiming to do for rentals what eBay did for buying and selling used items, Fat Lama was conceived in early 2016 after the experience its founders had renovating an office space in London. They found themselves spending almost a third of their budget on what co-founder and CEO Chaz Englander describes as “single-use” items that were difficult to rent, such as power tools, tile-cutters, and industrial vacuums.

“The probability was that the majority of those items were lying around unused in the same block we were working in,” he says, “but our only option to hire was to go to a rental shop on the other side of town, during working hours, to pay a premium for commercial hire. That was when we had the first conversations about creating a rental marketplace”.

To enable Fat Lama to have chance of succeeding where older rental startups had failed, the team figured out that a number of problems beyond simply matching supply with demand would need to be solved. Traditional rental companies typically require the borrower to leave quite a large cash deposit in case an item is broken, lost or stolen. Like-wise, equipment-sharing websites that don’t require a deposit can be perceived as too risky for the lender.

Fat Lama’s solution is to fully insure each item rented for an amount up to $30,000, something Englander tells me took nine months to secure and is a major differentiator from competitors. Borrowers are still liable for the full value of an item if they break or lose it, but the insurance will reimburse the lender if there’s a dispute between the borrower and Fat Lama, or if the borrower simply refuses (or can’t) pay. To further manage this risk, Fat Lama requires users to pass identity checks, in addition to employing risk-profiling technology.

“Put simply, we don’t think it makes sense for people to have to buy the things they only use occasionally. And what we’re seeing, whether it’s environmentally or financially driven, is that globally, people are less and less interested in owning things,” says the Fat Lama CEO. “Fat Lama is connecting people with spare stuff to those that need it. By using a combination of risk-profiling technology and insurance, we’re making it not just possible, but safe and seamless, for anyone to have access to almost any item, potentially within minutes”.

There is a community aspect to Fat Lama, too, which is something Englander is keen to protect even as the company scales. Currently lenders and borrowers hand over and collect items in person, where they often share expertise on how to get the most out of an item.

“The breadth of rental categories obviously means that we have an incredibly broad user base in terms of demographics,” he adds.

One obvious demographic is creative professionals, such as DJs, music producers, filmmakers, photographers and art directors, all of whom have “project-driven, often last-minute demands” for niche equipment. “Many are also sitting on big inventories of gear which they rarely use, from which they’re now generating an income in the thousands,” notes Englander.

Meanwhile, after a successful launch in New York earlier this year, including seeing over 6,000 items listed on the site (supply in New York is said to be growing more than three times as fast as it originally did in London), Fat Lama is planning to use the new Series A funding to further grow across the pond. As part of this effort, the U.K. startup is hiring U.S. city managers, as well as investing in its product, engineering and operations teams back in London.


Source: TechCrunch

The new Gmail has arrived: Expiring messages, smart nudges and more – CNET

Self-destructing email, smart nudges, offline storage and more new features are on the way for both G Suite and personal Gmail users.
Source: CNET

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