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Archivo del Autor: Belen De Leon

Goldman Sachs leads $50M round for credit card platform Deserve

Deserve, a credit card startup helping young people establish themselves, as well as a cloud-based credit card platform for businesses, has raised $50 million in a new round of Series C funding led by Goldman Sachs, the company announced today. Others participating in the round include existing investors Sallie Mae, Accel, Aspect Ventures, Pelion Venture Partners and Mission Holdings.

The funds will be put toward Deserve’s further development of what it calls its “Card as a Service” (CaaS) platform, which helps businesses, brands and others tailor credit card products to their own unique customer bases.

In doing so, Deserve will to some extent compete with other white-labeled and co-branded credit card issuers, like Synchrony Financial and Alliance Data, with its CaaS service aimed at businesses, fintech companies, consumer brands and universities that want to offer their own financial products.

Deserve’s turnkey, cloud-based and API-based Deserve Credit Platform promises partners the ability to set up a program in as fast as 90 days, instead of the typical 18 to 24 months. It also leverages technology like machine learning alongside traditional financial data and other alternative and proprietary data sources in order to underwrite a larger population — including those who may be new to credit.

This is particularly important as many younger consumers have been avoiding credit cards in the hopes of not being dragged down by debt. Those born in or after 1995, for example, make up only 5% of U.S. consumers who carry credit card debts, reports have said. But as these consumers enter the market for the first time, they’re often choosing credit cards over other credit products, a recent report from TransUnion found. However, without an established credit history, many younger users often fail to qualify for traditional cards.

That’s where Deserve can help. In addition to helping consumers quickly apply for credit right from their phones and get approved in minutes, the program also features financial education and other perks like cashback rewards, and incentive programs from Amazon (Prime Student), Mastercard (cellphone protection), Priority Pass (airport lounges) and others — like Deserve’s own cards offer.

Since its August 2018 fundraising round, Deserve has partnered with clients like Sallie Mae, the New Jersey Institute of Technology and Honor Society to help them launch credit cards designed for their specific audiences. Its overall platform today serves more than 100,000 consumers.

With its new investment led by Apple Card partner Goldman Sachs, Deserve plans to further build out its platform’s tools, APIs and machine learning capabilities with data science and engineering hires, while also expanding its B2B sales and marketing departments.

“Goldman Sachs is supportive of Deserve’s mission to expand access to credit, and to simplify the ability for organizations to offer their own bespoke credit card products,” said Ashwin Gupta, managing director, Goldman Sachs, in a statement. “We believe Deserve’s card platform will bring meaningful savings and new opportunities to institutions across a range of verticals.”

The funding brings Deserve’s total raise to date to around $100 million. The company is not yet profitable, but that could now change.

“This current round will lead us to profitability,” Deserve co-founder and CEO Kalpesh Kapadia claims.

Deserve declined to share its valuation.

Currently, Deserve is a team of 60, but it aims to grow to 100 over the next six months.


Source: TechCrunch

DJI Mavic Mini Review

The $399 Mavic Mini lives in a sweet spot of core features and a low price. It packs everything critical to be a quality drone. It has a good camera, good range, and a good controller. It holds up well in the wind and is quick enough to be fun. And it’s so small that you’re more likely to throw it in your bag and take it on Instagram adventures.

The small size is the Mavic Mini’s main selling point. It weighs 249 grams, and that odd number isn’t an accident. Drones that weight 250 grams and above have to be registered to fly. And yet, even though the Mavic Mini is lightweight and foldable, it’s packed with core features: 30 minute flight time, 4 km HD video transmission, 3-axis gimbal holding a 2.7K camera, and a physical controller that works with Android and iOS devices. At $399, it’s a lot of drone for the money even though it’s missing features found in DJI’s other drones.

There are more expensive drones packed with a lot of features. I own most of those drones. They’re fun, but several years ago, feature creep started sneaking into DJI’s products. Now, with a convoluted product line, a spreadsheet is needed to deceiver DJI’s drones. Most come loaded with countless features owners will likely never use. The Mavic Mini is something different. It’s basic, and I dig it.

Here’s what’s missing: collision detection, ultra-long-range connection, 4k camera, gesture control, and advanced camera features like trackable follow, panoramic, timelapse, and optical zoom.

The Mavic Mini is quick enough to be fun, but it won’t win any races. It’s responsive and fast enough. Light and easy. Compared to a Mavic 2, it feels smaller and less powerful — because it is — and yet it never feels too small or underpowered. The Mavic Mini is well balanced, and owners should find it enjoyable to fly.

Despite its tiny size, the Mavic Mini holds up well in high wind. I took it up to 200m on a windy fall day in the Midwest. The wind was clearing leaves off the trees, and I was bundled up in hat and gloves. It was gusty. The Mavic Mini didn’t care. It took off like a drone much larger and stood tall against the wind. What’s more, the video didn’t suffer. The gimbal held the camera steady as it recorded the autumn landscape.

The drone uses DJI’s new app, and I’m using a beta version to test the drone. Called DJI Fly, it’s a streamlined version of DJI Go and packs several enhancements. Safe fly zones are better integrated into the app and have an additional level of detail over the older app. DJI also better built-in support for its social community app, SkyPixel. However, as this version is streamlined, it lacks a lot of information standard on the Go version, most notable, a mini-map in the bottom corner of the screen. I’m hoping DJI adds more features to this app after it launches.

The camera is good for the price. The pictures here were taken from the drone and not altered or adjusted. They were taken on cloudy and sunny days. The range is surprisingly good as the drone can capture blue skies and dark highlights. Occasionally in direct sunlight, the camera colors become washed out.

They say the best camera is the one you have with you. That’s where the Mavic Mini comes in. The best drone is the one you have with you. For years, I lugged around a massive Pelican case containing Phantom 2 and later a Phantom 3. I thought I was the coolest. At a moment’s notice, I could go to my car’s trunk and retrieve a suitcase containing a flying camera. A few minutes later, after my phone synced to the drone, and the controller joined the drone’s network, I had 15 minutes of flight time. Then came the foldable Mavic, which fit alongside my camera gear like a large telephoto lens. Other drones came and went. I liked the GoPro Karma for a time.

The tiny Mavic Mini is a game-changer. It’s small enough that I’ll bring it everywhere. It’s small and light enough that it feels like a large point and shoot in my computer bag.

Want more features and a better camera but keep the portable size? Earlier this year DJI announced the $919 foldable Mavic Air that has a 4k camera and 5 mile video transmission.

The Mavic Mini gets everything right. It’s small, comes with a lovely case, and in a $499 bundle, two extra batteries with a clever charging pack. The camera is surprisingly good though admittedly less powerful than DJI’s more expensive drones. The Mavic Mini is the perfect drone for a first-timer or experienced drone enthusiast. DJI stuff enough features into the 249 gram body to make this a fantastic drone for anyone.

DJI Mavic Mini announcement


Source: TechCrunch

Adobe releases Photoshop from desktop cage with new iPad app — and more to come

More than a year after teasing it, Adobe is releasing Photoshop for iPad, along with a handful of updates to the desktop app. While not yet equal to the desktop version, the iPad app is built on the same code.
Source: Digital trends

Adobe Aero turns Photoshop art into augmented reality, no code necessary

Adobe Aero is an iOS app that takes artwork from Photoshop or Illustrator and adds it to an augmented reality space. The app requires no code — it uses simple tools to integrate graphics with the feed from the device’s camera.
Source: Digital trends

The latest Apple iPad Mini is at its lowest price on Amazon

If you are looking to score the best small tablet for less, head to Amazon now. You can get the Apple iPad Mini at its best price before the Black Friday and Cyber Monday sales.
Source: Digital trends

Hackers Can Use Lasers to ‘Speak’ to Your Amazon Echo or Google Home

By sending laser-powered “light commands� to a smart assistant, researchers could force it to unlock cars, open garage doors, and more.
Source: Wired

Dell’s new monitor for content creators has a built-in colorimeter

Dell introduced the UltraSharp 27 4K PremierColor Monitor during the Adobe MAX convention. The company claims it’s the world’s first 27-inch 4K monitor with a built-in colorimeter.
Source: Digital trends

Microsoft’s new Edge browser to launch January 15. Here’s what you need to know

After six months of beta testing, Microsoft has announced that it’s new Chromium-based Edge browser will launch on January 15. Here’s a look at everything you need to know.
Source: Digital trends

*Spider-Man: Into the Spider-Verse* Is Getting a Sequel 

Meanwhile, *Terminator: Dark Fate* met a bad end at the box office and *Avatar* is coming to Disney+. 
Source: Wired

2020 Volvo V60 T8 Polestar Engineered: Sing the wagon electric video – Roadshow

With plug-in hybrid power and plenty of sporty add-ons, the new V60 Polestar lets you feel green while whipping around in style.
Source: CNET

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