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Archivo del Autor: Belen De Leon

FintechOS raises $14M help banks launch products as fast as FinTech Startups

Over the last few years, we’ve seen the rise of FinTech startups like N26 and Monzo to challenge the incumbents with new products like challenger banks. But what if the big banks wanted to compete in that game themselves? This is the aim of FintechOS a Romanian startup that actually aims to help incumbents compete in this brave new, competitive, world.

FintechOS allows banks and insurance companies to act and react faster than the new upstarts on the scene with plug and play products. 

It’s announcing today that it has secured $14 million (£10.7 million) in a Series A investment led by the Digital East Fund of Earlybird Venture Capital and OTB Ventures, with participation from existing investors Gapminder Ventures and Launchub.

The additional capital will be used to continue the growth and expansion across Europe, and to expand into South East Asia and the US.

FintechOS’s technology platform lets traditional banks and insurance companies adapt to rapidly changing customer expectations, and match the speed and flexibility of Fintech startups with personalized products and services, in weeks rather than months or years.

The banks and insurance companies can then launch multi-cloud SaaS deployments, transitioning to the cloud and on-premises deployments, working alongside the existing technology infrastructure. It now has existing partnerships with Microsoft, EY, Deloitte, Publicis Sapient and CapGemini allow deployment in multiple markets.

Started in 2017 by serial entrepreneurs Teodor Blidarus and Sergiu Negut, the company now has customers in more than 20 countries across three continents.

Teo Blidarus, CEO and Co-Founder of FintechOS, commented: “Our disruptive approach is customer, not technology-driven. We created FintechOS to transform the financial industry, empowering banks and insurance companies to act and react faster than fintech startups,
to create a smarter, slicker customer experience.�

Dan Lupu, Partner at Earlybird, said: “FintechOS is a pioneer in a booming market, with a vision to transform the way financial institutions react to market and regulatory changes. We are proud to become part of a journey that will shape the future of financial services.�


Source: TechCrunch

Jiji raises $21M for its Africa online classifieds business

Pan-African digital classifieds company Jiji has raised $21 million in Series C and C-1 financing from six investors, led by Knuru Capital.

The Nigeria based venture, co-founded by Ukrainian entrepreneur Vladimir Mnogoletniy, has an East to West presence that includes Ghana, Uganda, Tanzania, and Kenya.

Buyers and sellers in those markets use Jiji to transact purchases from real estate to car sales.

“We are the largest marketplace in Africa where people can sell pretty much anything…We are like a combination of eBay and Craigslist for Africa,” Mnogoletniy told TechCrunch on a call.

The classifieds site has two million listings on its Africa platforms and hit eight million unique monthly users in 2018, per company stats.

Jiji sees an addressable market of 400 million people across its operating countries, according to Mnogoletniy. The venture bought up one of its competitors in April this year, when it acquired the assets of Naspers owned online marketplace OLX in Nigeria, Ghana, Kenya, Tanzania, and Uganda.

Jiji’s top three categories for revenues and listings (in order) are vehicle sales, real estate, and electronics sales (namely mobile phones).

With the recent funding, the company’s total capital raised from 2014 to 2019 comes to $50 million. Knuru Capital CEO Alain Dib confirmed the Abu Dhabi based fund’s lead on Jiji’s most recent round.

Jiji plans to use the latest investment toward initiatives to increase the overall number of buyers, sellers and transactions on its site. The company will also upgrade the platform to create more listings and faster matching in the area of real-estate, according to Mnogoletniy.

For the moment, Jiji doesn’t have plans for country expansion or company purchases. “Maybe at some point we will consider more acquisitions, but for the time being we’d like to focus on those five markets,” Mnogoletniy said — referring to Jiji’s existing African country presence.

To ensure the quality of listings, particularly in real-estate, Jiji employs an automated and manual verification process. “We were able to eliminate a high-percentage of fraud listings and estimate fraud listings at less than 1%,” said Mnogoletniy.

He recognized the challenge of online scams originating in Nigeria. “We take data protection very seriously. We have a data-control officer just to do the data-protection verification.”

With the large consumer base and volume of transactional activity on its platform, Jiji could layer on services, such as finance and payments.

“We’ve had a lot of discussions about adding segments other than our main business. We decided that for the next three to five years, we should be laser focused on our core business — to be the largest marketplace in Africa for buying and selling to over 400 million people,” Mnogoletniy said.

The company faces an improving commercial environment for its goals, with Africa registering some of the fastest growth in the world for smartphone adoption and internet penetration.

Jiji also faces competitors in Africa’s growing online classifieds space.

Pan-African e-commerce company Jumia, which listed in April in an NYSE IPO, operates its Jumia Deals digtial marketplace site in multiple African countries.

Swiss owned Ringier Africa has classified services and business content sites in eight French and English speaking countries. On car sales, Nigerian startup Cars45 has created an online marketplace for pricing, rating, and selling used-autos. 

Adding to the trend of foreign backed ventures entering Africa’s internet business space, Chinese owned Opera launched an online buy/sell site, OList, last month connected its African payment app, OPay.

eBay operates a partnership with MallforAfrica for limited goods sales from Africa to the U.S., but hasn’t gone live yet on the continent.

On outpacing rival in its markets, Jiji’s co-founder Vladimir Mnogoletniy touts the company’s total focus on the classifieds business, market experience, and capital as advantages.

“We’ve spent five years and raised $50 million to build Jiji to where it is today. It would take $50 to $100 million for these others to have a chance at building a similar business,” he said.


Source: TechCrunch

2021 Hyundai Sonata N-Line early prototype previews exciting performance – Roadshow

We appreciate the irony of sharing of dozens of photos of a car wrapped to purposely make it difficult to photograph, but the Sonata N-Line is just too sweet not to snap.
Source: CNET

Final Fantasy 7 Remake won't be a true PS4 exclusive after all – CNET

The game is a PlayStation 4 “timed exclusive” for a year, new box art reveals.
Source: CNET

Away with them

Every so often a story comes along which is unremarkable on its face but erupts into wider attention because it seems to represent some larger social fracture zone. …And then there’s the recent story of mismanagement and malfeasance at Away, which has caught the tech world’s attention because it seems a shibboleth for all the industry’s fault lines.

This story is whatever you want it to be. It’s a tale of exploitation of the poor and struggling by executives born rich and privileged; of the unfair, disproportionately harsh and negative scrutiny that women CEOs get; of the inherent cultural toxicity of constant surveillance (Away banned emails and DMs, insisting that all communication took place in public Slack channels); of the need for tech workers fo unionize; of the need for young workers to toughen up and live in the real world, which sometimes has asshole bosses.

Fine, I’ll take a paragraph break, but I’m not done: a tale of how not to apologize (clue: don’t try to exercise draconian control over your employees’ personal social media accounts on the same day you’re publicly apologizing for your previous draconian mistreatment of them); of the sacrifices required to build a startup; of how the real problem boils down to mismanagement and misaligned incentives, and the rest is noise; of how what previous generations considered shitty but acceptable boss behavior is now judged as completely unacceptable toxic abuse.

It is, in short, the perfect Rorschach test for today. Like most Rorschach tests, the panoply of reactions to it is much more interesting than the story itself. This is especially true because of the widespread suspicion that there was a disparity between public responses and private thoughts — that people who didn’t agree that Away’s executives should be lambasted were reluctant to say so. That’s right, it’s also a story about social media, public shaming, cancel culture, and the intolerant left! Seriously, this little morality play has everything.

So, to their eternal credit, the semi-satirical VC Starter Kit account performed a Twitter experiment: “If you’re a VC, founder or journalist, DM me your thoughts on the Away piece and I’ll anonymously post your response here,” and then posted a summary of the responses to (of course!) their Substack.

Interestingly, the results do indeed seem to suggest a far more massive cultural divide than the public responses do. I encourage you to go read them. To my mind, and I concede this is probably pretty idiosyncratic, they ultimately condense down to one of two views: 1. startups are hard, and there are always going to be points where you have to choose between startup success and treating people well, and success comes first; 2. startups are hard, but if you get to the point where you have to choose between startup success and treating people well, you have already royally fucked up, and if you then choose the former, you should be both privately and publicly ashamed of it.

To an extent I think this is generational. It seems that behavior that Gen Xers like myself might stereotypically respond to with “what an asshole, but that’s the way bosses are sometimes, so it goes,” is to Gen Zers “this is completely unacceptable toxic abuse that no one should ever experience.” This is probably almost entirely a good thing. Spreading the notion that it is important to treat other people better than we once did leads a lot more directly to the fabled “better world” than most any of the companies which claim to be doing so.

Granted, on the other hand, if we get to a point where we let the 1% of the most sensitive members of our society, prone to the most negative interpretations of any and all complexity and nuance, dictate what is acceptable, that would be a kind of bizarre form of unacceptable tyranny in and of itself. To be clear I don’t think we’re collectively anywhere remotely near any risk of that; rather, we’re finally beginning to appreciate that “you should be tougher than that” is about as useful to most victims of bullying, misogyny, bigotry, etc. as it is to victims of a stabbing. But it’s important to recognize that the perception of such an endgame, however skewed it is, makes a lot of people uneasy.

Either way, though, I find myself subscribing to theory number two: startups are hard, but if you get to the point where you have to choose between startup success and treating people well, you have already royally fucked up. Just because Steve Jobs was an asshole doesn’t mean that being an asshole is a necessary requirement of CEOdom, much less a sufficient one. If you’ve screwed up to the point that you face that choice, and then go all in on the startup, well, you won’t be the first, or even the millionth … but you may want to take a long hard look at what that word success really means.


Source: TechCrunch

A DNA Firm That Caters to Police Just Bought a Genealogy Site

In 2018, GEDmatch played a key role in reopening the 40-year-old Golden State Killer case. Now Verogen, a company that serves law enforcement, is gobbling it up.
Source: Wired

CES 2020: What to expect from the annual tech bonanza

It’s December, and that can only mean one thing: There’s less than a month to go until the world’s leading manufacturers take to Las Vegas to showcase their latest hardware at CES 2020. Here’s everything you need to know.
Source: Digital trends

Disparity in Tech Jobs, Green Monday Deals, and More News

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

Por qué es tan difícil construir un ascensor para llegar al espacio

Harían falta miles de kilómetros de cable para desarrollar un ascensor espacial, pero aún no existe ningún material que pueda soportarlo. Aunque se ha propuesto crear uno que cuelgue de la Luna a la Tierra con la tecnología actual, construirlo y lograr que no le afecten los escombros espaciales es complejo
Source: MIT

El nuevo chip de Google protege las partes más vulnerables de nube

OpenTitan es un microprocesador de código abierto que puede ser comprobado en cualquier momento y que incluye un sistema de autodiagnóstico cada vez se que arranca el sistema. Aunque no es perfecto, podría reducir la persistencia de los hackers que ya han logrado acceder a una máquina
Source: MIT

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