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Archivo del Autor: Belen De Leon

Online mortgage broker Trussle raises £13.6M Series B

Trussle, the U.K. online mortgage broker that competes most directly with Atomico-backed Habito, has closed £13.6 million in Series B funding.

Notably, the round is led by Goldman Sachs Principal Strategic Investments — a division of Goldman Sachs — and Propel Venture Partners, a fund backed by European banking giant BBVA.

In addition, a number of other investors also participated including Finch Capital, which led Trussle’s Series A fund raise, and Seedcamp, which has backed the fintech startup from the get-go.

Launched in 2016, Trussle moves the entire mortgage process online, bringing with it much-needed transparency. One aspect to this — powered by the data it amassing and machine learning — is making it infinitely easier to ‘switch’ mortgage when a better deal or lower interest rate becomes available. The same technology-driven approach is used for those looking to find and apply for a new or first time mortgage.

In a brief call this morning, Trussle co-founder and CEO Ishaan Malhi told me that the new capital will be used to further scale up the company, noting that the Trussle team has grown from 14 to 70 people since its Series A in February 2017. A significant portion of these are in product development as the fintech startup moves from what Malhi describes as a transactional proposition — where customers use Trussle at the point of taking out a mortgage — to a “lifetime proposition” that supports customers when they first start thinking about owning their own home and then throughout their financed home ownership.

As an example of this, he pointed me towards Trussle’s mortgage monitoring service, which launched last year. It constantly monitors the market and alerts you when money can be saved by switching to another deal.

However, the longer term vision — and presumably part of what attracted investors — is to return more value based on the data Trussle captures. This could include telling you when it may be advantageous to overpay and giving you an easy to understand dashboard that clearly shows where you are at in the repayment process.

More broadly, Trussle wants to play a major role and making home ownership a reality for many for whom is it increasingly prohibitive (think: Generation Rent). To do this, he doesn’t rule out partnerships with other fintech startups aligned to that same mission.

Adds Malhi in a statement: “The backing from two prolific and globally renowned fintech investors recognises the brilliant progress we’ve made, but also the scale of our ambition. The funding will enable us to invest significantly in building our brand and our product, but fundamentally will accelerate us towards our vision of digitising the end-to-end journey to make home ownership more affordable and accessible to all”.


Source: TechCrunch

Why Nashville Voters Rejected Public Transit

After the city’s voters shot down an ambitious plan to fund light rail and bus lines, transit advocates wonder where they went wrong.
Source: Wired

Whoops: SoftBank CEO reveals Walmart has acquired Flipkart

Here’s one way to make sure Amazon doesn’t get control of Flipkart in India by outbidding you for a majority stake: buy it outright. Today during SoftBank’s earnings presentation, it looks like CEO Masayoshi Son slipped in a little scoop: he announced that Walmart, the world’s largest retailer, on Tuesday night reached a deal to buy Flipkart, the leading e-commerce retailer in India, putting an end to months (and actually years) of speculation. SoftBank is currently one of Flipkart’s biggest investors.

“Walmart is purchasing Flipkart,” Son said in the presentation (he spoke in Japanese with a real-time translation provided by a SoftBank representative). “Last night there was the official announcement.”

Very soon after, there was a quick and slightly messy recovery: a second gentleman approached Son during the Q&A section of his presentation and slipped him a note, after which point the CEO read it, and then said an announcement had not yet been confirmed.

“With regards to Flipkart, it’s not officially announced yet,” he said with a weak smile. “Maybe I should not have mentioned that … Well, I can’t take it out!”

“Not yet announced” is also the line that SoftBank spokespeople are also taking, and we have yet to hear back from Flipkart and Walmart with their comments. Yet it could come very soon, though: we’ve been told by a source that the official news will be released at 5pm India time.

If Masa’s first statement was accurate, Walmart’s acquisition would end a long-running saga.  For months now, there have been rumors that the world’s largest retailer was gearing up to acquire a sizeable stake in the Indian company to get its foot into India — with reports putting the size of the stake at anywhere between 51 percent and around 70 percent, and at a value of between $15 billion and $20 billion, with additional investors potentially including Google.

But in the last week, alternative reports started to emerge that Amazon would try to gazump Walmart and take a pole position as a shareholder.

Walmart and Amazon have been hotly competing against each other in other markets, specifically the US — where Amazon dominates in online sales but Walmart continues to lead the charge in brick-and-mortar, despite many aggressive moves from Amazon, such as its acquisition of Whole Foods.

Meanwhile, India — Asia’s second-largest economy after China and one of the world’s fastest-growing markets — has become a key country for Amazon over the last several years, with billions already ploughed into its operations there and billions more earmarked for future investment. So when it appeared that Walmart was also going to try to muscle in by taking a stake in the country’s largest homegrown online retailer, Flipkart became the latest battleground between the two U.S. giants.

Walmart clearly was not ready to give up, though. As we pointed out last week, Walmart divesting its stake in Asda in the UK to Sainsbury’s would pave the way for the company to make a bigger move in India, and that seems to be what has happened here.

It’s still not clear if Walmart will buy out all investors with this deal, or whether it will take just a controlling share, and continue to involve other third parties.

Flipkart has raised around $7.3 billion in funding since being founded in 2007, with other investors including Microsoft, eBay, Naspers, Tencent, Tiger Global, Accel and many more, and it has been a consolidator of sorts itself, buying eBay India last year.

But although it is the country’s biggest online retailer, it has had a rocky time in terms of its valuation, which at one point was over $15 billion but dipped to $11.6 billion in its last round in 2017, in part because of fierce competition from Amazon, Snapdeal and more.

Interestingly, we should point out that this is not the first time that Son has “announced” an India-based tech deal ahead of time.

Two years ago during another quarterly presentation, the SoftBank boss let slip that OYO — the hotel aggregator service that counts SoftBank as an investor — had acquired rival Zo Rooms, a deal that had been much-speculated in India at the time.

Despite his reveal, the OYO-Zo deal actually never happened. In fact, the two were at loggerheads and even went to court as the relationship soured following the breakdown of the proposed deal.

The scale of the Flipkart-Walmart tie-up is many orders of magnitude higher, with Flipkart’s India’s highest-valued startup and a poster child for the tech industry. Let’s hope Mr. Son got it right this time.


Source: TechCrunch

Before Google’s lifelike Duplex A.I., these chatbots paved the way

The amazing Google Duplex feature unveiled at Google IO event is just the latest in a long line of smart chatbot technologies designed to emulate human conversations. Here are 10 more.

The post Before Google’s lifelike Duplex A.I., these chatbots paved the way appeared first on Digital Trends.


Source: Digital trends

Time is running out to get your ticket to the TC Hackathon at VivaTech in Paris

Do you love coding, hacking and building cool — possibly even life-changing — tech products? Do you love using your mad hacking skills to win super sweet cash and prizes? Do you have citizenship in one of these European countries? Mon Dieu, mes amies, then what are you waiting for? Get your ticket and come strut your stuff at the TechCrunch Hackathon at VivaTech in Paris on May 25-26.

Here’s how the Hackathon works, and we’ll say this right up front: it will be crazy, exhausting fun, but it won’t be a walk in the park. Hundreds of highly skilled techies will form ad hoc teams and work together using BeMyApp, the official Hackathon platform. They have just 24 hours to create their special brand of tech magic and build a product that solves real-world problems. Or maybe just something cool and fun — they get to decide.

Teams better hope their caffeine, power drink and sugar supplies go the distance, because once the 24-hour clock winds down, they’ll have just 60 seconds to pitch their product to a panel of well-rested Hackathon judges. Judges score each team on a scale of 1-5.

The top-scoring team takes home the €5,000 grand-prize and all teams that score an average of three or better receive five tickets to VivaTech 2019, plus two Innovator tickets to TechCrunch Disrupt Berlin in November.

But hang on hack fans. Thanks to our sponsors, those aren’t the only cash, prizes and swag up for grabs. You can choose to hack any one of these awesome contest challenges from leboncoin, Renault, GEFCO+Talan and Microsoft.

Here’s more great news — you can hack in Paris for free, but you need to register. Plus, we have a limited number of tickets, and they’re available on a strictly first-come-first-served basis. Once they’re gone, they’re gone.

The TechCrunch Hackathon at VivaTech takes place at the Expo Porte de Versailles in Paris on May 25-26. Get your tickets today before they disappear.


Source: TechCrunch

Solo: A Star Wars Story gives Chewbacca his own theme song – CNET

Director Ron Howard reveals that Chewbacca is finally honored with his own musical theme worthy of a Wookiee roar on the upcoming Star Wars movie soundtrack.
Source: CNET

A Modcloth cofounder just launched an invite-only cryptocurrency

Cryptocurrency is cool, but you know what’d be even cooler? If people used it to buy things.

That they don’t because it’s either not secure or hard to use is a problem that a growing number of founders is trying to tackle. Among them is Merit, a new digital currency that aims to be as simple to use as traditional payment apps like PayPal and Venmo and that officially launches today.

The idea is to make it easy enough for to use to split a bill, share the rent, or shop for clothing online, even for those who are completely crypto illiterate.

Naturally, Merit is facing a daunting uphill battle, but that isn’t dissuading its founder and CEO, Adil Wali, who previously cofounded the indie womenswear brand ModCloth. (To the chagrin of some of its customers, ModCloth sold to Walmart last year after several rounds of layoffs.) Wali has since started two more companies, and he’s clearly not afraid to see where an idea takes him.

This particular idea, which Wali and nine other full time employees are working on from Seattle, involves a few interesting facets that could potentially help the currency gain traction.

First and foremost, Merit says it’s removing barriers to entry to blockchain investments and payments by making the Merit cryptocurrency as easy to send as a tweet. Users can also sent the Merit cyptocurrency via different communication channels, whether SMS, WhatsApp, or email.

It’s invitation-only, which is a newer twist. How it will work: new Merits will  awarded based not only on proof-of-work, which is the norm more generally, but proof-of-growth, meaning that miners are increasing the size of the community. (In theory at least, this set-up encourages miners to both grow the network and keep it secure.)

Speaking of security, Wali says Merit is also creating a new kind of “vault” for users, one that eschews any kind of reliance on the kind of third parties that often centralizing users’ currencies today. (Hello, Coinbase.) A user could create a vault for his or her family, for example, one that only a family member could access through a passcode, and that has rate limits, so if anyone tries to hack into that account, that nefarious individual could only send, say, 100 Merit, before a family member was notified and able to reset the vault.

Also interesting, to us, is simply how Merit is structured, which is as a self-funded nonprofit. That’s partly so its currency can establish a value organically, versus through a valuation established by outside investors. In fact, Wali says he has personally invested $1 million into Merit to prove out that Merit’s software can work.

There are plenty of challenges it has to overcome if it hopes to see its software widely adopted — which is largely its reason for being.

At some point, for example, Merit will need to get listed on a cryptocurrency exchange (or many of them) in order to become truly liquid currency. Wali acknowledges that there’s no promise that that will happen, but sounds an optimistic tone, noting the “explosion in the number of exchanges” and offering that Merit will “work its way up that list, approaching the smaller exchanges first and, as the adoption of Merit grows, presenting a stronger case to go after bigger exchanges.”

Merit also needs retailers and other corporate partners to take it seriously enough to accept it, which will take time — perhaps a lot of it.

Wali acknowledges the issue, observing that “crypto has to go through this crawl-walk-run trajectory” as a way to explain why peer-to-peer transactions are the first way that people will use Merit. Assuming hat takes off, though, he believes that Merit will “talk more with merchants,” he says.

As Wali says he knows well from working in retail for more than a decade, “Retailers’ first question is always, ‘How many people use this?’ In this case they’ll want to know, ‘If I accept this payment method, what does this open up to me?’”

Says Wali, “I want to have a good answer for that.”


Source: TechCrunch

Keanu Reeves and Alex Winter will return in Bill & Ted 3 movie – CNET

Sci-fi movie Bill & Ted Face the Music will see the actors’ return, as well the original screenwriters Chris Matheson and Ed Solomon. Excellent!
Source: CNET

The original Iron Man suit is missing – CNET

Damn you, Thanos! That $320,000 suit wasn’t yours to take!
Source: CNET

Tame wants to bring order to conference and event planning chaos

Tame, a self-proclaimed “design-driven” tech startup from Copenhagen in Denmark, is on a mission to “solve the chaos of event planning”. The company’s founders, who claim to have previously organised more than thirty large conferences and events, think they have spotted a gap in the market for an all-in-one event planning tool designed specifically to be used by teams.

Like a Swiss Army Knife for event production, the SaaS spans an array of organisational features, such as event program building, an easy way to store the contact details and current status of speakers, and a place to manage suppliers, sponsors and exhibitors. In addition, Tame supports team collaboration in the form of shared file storage, notes, tasks, and messaging.

“Tame is built as a collaborative event planning tool, enabling your entire organisation to plan and streamline all your events from start to finish,” says Tame co-founder Jasenko Hadzic. “With Tame you can stay on top of every event with a complete 360 real-time overview and collaborate with your team and external partners.

Furthermore, Tame includes its own ticketing features that allows event managers to quickly publish programs, speakers, and sponsors “on a beautifully constructed ticketing page, that can be customised to fit every organisation”. The software plays nicely with the wider event ecosystem, too, with an API that enables Tame to integrate with other event technologies currently on the market, thus letting the startup focus solely on “solving the planning of the event,” says Hadzic.

“Tame’s solution replaces tasks currently done in spreadsheets and is the first of its kind customisable enough to consolidate all of your internal event planning in one place and empower your entire team with real-time collaboration,” he adds.

Last month saw the company launch more publicly, opening up the SaaS to self sign-up so that event teams can hit the road running. “As events are stressful, we’ve focused a lot of on building a simple UI that would allow event teams all over the world to get going easily and onboard themselves. Event teams have to get going smoothly and they can’t afford to make mistakes. We know that, so we’ve allowed them to get going very fast,” says Hadzic.

Tame is operating a freemium model: it costs nothing to use for free events but there’s a fixed fee of €1 per paid ticket, which the event organiser can either absorb or transfer to the attendee. “We are all in on transparency, so therefore we don’t offer a percentage fee of the ticket price like many other ticketing solutions out there. In the future, we will offer a premium version of our platform for a fixed monthly subscription fee and this will be our primary business model”.

Meanwhile, the company is also disclosing a seed round of $550,000 from a number of well-known Nordic angel investors with a proven track record in SaaS and product design. They include Tommy Andersen (co-founder and Managing Partner of ByFounders), Hampus Jakobsson (Venture Partner at BlueYard Capital and co-founder of TAT, which sold to Blackberry for $150m), Jacob Wandt (founder of e-conomic, which sold to HG Capital in 2013 for $100m+), Anders Pollas (co-founder and ex-CPO of Podio, the project management tool sold to Citrix for €50 million), and Gregers Kronborg (ex-General Partner of Northzone).


Source: TechCrunch

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