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Archivo del Autor: Belen De Leon

MoloFinance scores £3.7M seed funding to offer a fully digital mortgage

MoloFinance, a London-based fintech that is developing a “fully digital” mortgage solution, has closed £3.7 million in seed funding. The round is led by Ubon Partners, a Nordic fund specialised in financial services, and will be used to launch the company’s first product release later this summer.

Initially targeting ‘Buy to Let’ mortgages — i.e. people looking to buy property as an investment — while the company works through its regulatory approval process with the FCA, MoloFinance wants to offer an end-to-end mortgage process that is entirely digital and with the ability to give a near-instant decision.

The idea, says the startup, is to provide a frictionless experience for the customer whilst helping to eliminate any unnecessary costs related to the current process. Once FCA approved, MoloFinance plans to begin offering residential mortgages, too.

“The problem is simple: getting a mortgage today is a terrible experience, a painful process, based on obsolete practices, outdated in any other consumer experience,” MoloFinance co-founder Francesca Carlesi tells me. “Just try to compare the 4-6 weeks paper-based process of getting a mortgage with the instant set up of a current account online now available in most challenger banks”.

Carlesi says the status quo is entirely unnecessary as the technology needed to offer something a lot better is already here. Furthermore, customers are more than ready and future generations will expect instant, digital mortgages. “At Molo we are simply making it happen now,” she says.

This has seen the MoloFinance team design a fully digital mortgage journey, where most decisions are automated, most of the information needed is sourced digitally, and where a transparent “robo-advisor” substitutes puts the interest of customers first. “The net result is that we give people what they deserve for the most important financial decision of their life: speed, ease and lower costs,” argues Carlesi.

Similar offerings are already up and running in the U.S. and Australia, but in the U.K. the most disruptive forces, in the form of Habito and Trussle, have taken aim at mortgage brokerage. Carlesi concedes that these companies “have done a great first step” that was hugely overdue and that they can be considered MoloFinance’s closest peers but that the business model is “radically different”.

“We are not a broker, we don’t intend to disrupt the broker market. We are instead focusing on the overall lending process, from beginning to the end, with the goal to make the overall process quick, easy and more convenient and ultimately provide fully digital instant mortgages online. So in short we tried to solve the full problem that customers face today. As solving only one part of it in our view doesn’t solve the problem at all”.

On how MoloFinance plans to generate revenue, Carlesi says the startup will take a small share of the money made from the interest that a customer pays on their mortgage, leaving the majority for its funding partners. It won’t charge customers any unnecessary additional fees (e.g. broker fees, arrangement fees).


Source: TechCrunch

What does leaving the EU’s Digital Single Market mean for UK startups?

What does leaving the EU’s Digital Single Market (DMS) mean for UK startups? No-one actually knows. That’s why three UK VCs are backing an initiative to assess the impact of what leaving the DSM could mean for UK tech startups, if, as is predicted, the UK does leave the EU next year.

The initiative is being led by LocalGlobe but also backed by Index Ventures and Atomico. You can fill out the short survey here.

UK Prime Minister Theresa May previously announced the UK will be leaving the DSM when it formally leaves the EU next year, but, according to sources who spoke to TechCrunch, no industry consultation took place on this decision.

The idea behind the DSM, launched in May 2015 and heavily backed by the UK Government at the time, was to tear down regulatory walls and move from 28 national ‘digital’ markets to a single one. The prediction was that this would contribute €415 billion per year to the EU’s economy and create hundreds of thousands of new jobs.

It’s been made one of the European Commission’s 10 political priorities and is made up of three policy pillars, as outlined below:

1. Improving access to digital goods and services
The Digital Single Market strategy seeks to ensure better access for consumers and business to online goods and services across Europe, for example by removing barriers to cross-border e-commerce and access to online content while increasing consumer protection.

2. An environment where digital networks and services can prosper
The Digital Single Market aims to create the right environment for digital networks and services by providing high-speed, secure and trustworthy infrastructures and services supported by the right regulatory conditions. Key concerns include cybersecurity, data protection/e-privacy, and the fairness and transparency of online platforms.

3. Digital as a driver for growth
The Digital Single Market Strategy aims at maximising the growth potential of the European Digital Economy, so that every European can fully enjoy its benefits – notably by enhancing digital skills, which are essential for an inclusive digital society.

Meanwhile, Tech For UK is a new group which has been formed by over 100 UK tech industry leaders to back a ‘people’s vote’ on the terms of Brexit, which an option to remain in the EU. It’s currently canvassing for new supporters.

The group boasts a string of high-profile business leaders from the tech sector, including Martha Lane-Fox, best-known as the co-founder of Lastminute.com, Giles Andrews, one of the founders of peer-to-peer lending pioneer Zopa, and George Bevis, the CEO of Tide Bank. It also features leading venture capital and private equity investors, such as Simon Murdoch, the managing partner of Episode 1 Ventures.

(Interest declared: I’m also backing it).


Source: TechCrunch

Intel is giving away 8,000 retro-inspired Core i7-8086 chips – CNET

No, they won’t be hidden in chocolate bars.
Source: CNET

World's first drive in the Porsche Mission E Cross Turismo video – Roadshow

The Mission E doesn’t come out until next year, but we’ve got an early ticket behind the wheel. Join us.
Source: CNET

2020 Porsche Mission E Prototype first drive review: Driving the future – Roadshow

The Mission E won’t hit the road for real until late 2019, but we’ve already had a go. Join us for our early driving impressions of Porsche’s electric future.
Source: CNET

Microsoft announces the Windows Collaboration Display platform for offices

Windows Collaboration Displays are one of the more interesting bits to come out of Microsoft’s Computex keynote today. The company hasn’t released a ton of information about the hardware platform. At first glance, they appear to be similar to Microsoft’s own Surface Hub digital whiteboard offering, but are actually “a non-compute peripheral extending the PC desktop experience to room scale,” according to the company. In other words, they function more along the lines of a large display, rather than a stand alone unit. 

The system is built around Microsoft 365 tools and is designed to work with the company’s software offerings like Office, Teams and Whiteboard. Sensors on the board utilize the company’s Azure IoT spatial intelligence capabilities. There’s a long blog post about that tech over here, but the system essentially uses room measurements to build adaptive models.

“For example,” the company explains, “in an office environment spatial intelligence can enable better management of heating, cooling, and room-booking systems based on how the space is actually used.”

Microsoft has already signed up a couple of third-party hardware manufacturers to build Collaboration Displays, including Sharp (pictured above) and touchscreen display maker, Avocor. The systems will feature both touchscreen and pen inputs, stereo speakers, a camera and a far-field microphone sytem. 

Those products will be available at some point later this year. No word on cost, but Microsoft is promising “low price points,” which likely means they’ll come in under the Surface Hub, which starts at $9,000. 


Source: TechCrunch

Firefox lets you test new features for side-by-side views and customizing colors

Love Firefox? You might love it even more now that you can open two tabs side by side and customize it with colors. Side View and Colors are currently being offered via Mozilla’s Test Pilot program, so why not give them a go?

The post Firefox lets you test new features for side-by-side views and customizing colors appeared first on Digital Trends.


Source: Digital trends

Incredibles 2 first reactions: A fantastic sequel that matches the original – CNET

It’s been a long time coming for the sequel to Pixar’s unofficial best movie. Some lucky folks have seen it — here are their thoughts.
Source: CNET

AMD's new 32-core second-gen Ryzen chips set to debut in Q3 2018 – CNET

The chipmaker also showed off its upcoming Radeon Vega GPU for workstations that will launch later in the year.
Source: CNET

Real estate property manager and developer JLL launches a $100 million tech investment fund

The multi-billion dollar real estate developer and property manager JLL is getting into the tech investment game with the launch of a new $100 million fund run by corporate subsidiary JLL Spark.

Initially envisioned as a technology-focused business unit of the multinational real estate company, the firm eventually turned to the more traditional venture capital investment model as a way to get more exposure to all of the new technologies that are coming to market, according to JLL SPark’s co-chief executive Mihir Shah.

For Shah and his co-founder Yishai Lerner running the real estate company’s investment firm is the first foray by either executive into the world of real estate or property technology. But both men have been working in the startup world of the Bay Area for at over a decade.

In fact, the two serial entrepreneurs launched one of their first companies from the TechCrunch 50 conference way back in 2007 (it was a mobile app that mimicked Yelp).

The two eventually sold their mobile review business to GroupOn and began doing some angel investing. It was during that venture into the wild world of seed stage prospecting that Shah got bitten by the real estate bug while trying to buy some commercial real estate.

“I was looking at the process and was thinking ‘Wow! That is not a modern process,’” Shah said.

Unbeknownst to Shah, at the same time he was looking for commercial real estate, the commercial real estate industry was looking for someone like him.

JLL had put out feelers and hired head hunters to find someone who could take the lead at the firm’s burgeoning technology practice, Shah said.

“They had all sorts of internal initiatives bringing in new technology companies and services to their existing clients,” Shah said. “They understood that technology was going to transform all aspects of the industry.”

One of the first steps that JLL had taken was to acquire Stessa, which developed and sold asset management software for the real estate industry. But Shah and Lerner quickly realized that the buy and build strategy wouldn’t be robust enough for JLL’s needs.

“Over the last six months we saw how much innovation was happening in the proptech space and we thought it made more sense to launch a venture fund,” Shah said.

The firm will invest anywhere from a few hundred thousand dollars to a few million into seed stage or Series A companies with the option to dabble in later stage deals, according to Shah. The firm has made two investments so far — neither one of them in startups.

The commitments have been in one accelerator program, the New York-based Metaprop, which focuses on real estate tech investment, and Navitas Capital, which is billed as a later stage investor in the same space.

Both investments appear to be geared toward educating the firm’s two principals on the market and what’s already happening in the space.

The benefit that a corporate firm like JLL can provide to startups is the access to pilot projects where companies can deploy their technologies and, indeed, that’s the pitch that Shah makes to potential portfolio companies.

“Money is not enough,” he said. “There’s a lot of products out there, but they’re struggling with distribution.” JLL has designated a few buildings in top cities around the world to fast track new technologies and provide trial spaces for them to develop, Shah told me. “Our value as a strategic is to build that bridge and make that connection.”

“Creating this $100 million venture fund through JLL Spark allows us to continue to lead the real estate industry in bringing the best proptech ideas to reality,” said Christian Ulbrich, JLL’s Global chief executive. “It complements and expands our substantial ongoing investments in innovative, cutting-edge digital solutions, which is a core part of our Beyond strategic vision and commitment to achieve ambitions for our clients.”

 


Source: TechCrunch

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