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Archivo del Autor: Belen De Leon

Mobile money-saving app Qapital raises $30 million to spend on growth

Qapital, one of a slew of mobile applications trying to make it easier for users to save money (and spend it more wisely), has raised $30 million in fresh financing as it expands beyond savings to offer investment advisory services.

Since its launch in the U.S. in 2015, Qapital has amassed roughly 420,000 users that have saved nearly $500 million on the platform, according to the company.

But Qapital is more than just a Digit -style savings tool these days. The company has also folded in Qapital Spending through a linked Visa Debit Card that works with money saved through the app — as well as a budgeting tool called Qapital Weekly Spending Target.

The company now has designs on the robo-investment market through Qapital Invest, a new product that Qapital expects to roll out before the end of the year.

Financing that push into investment advisory is the $30 million warchest the company just raised from big Nordic investment firms Swedbank Robur, Norron, SEB Stiftelsen and Athanase, with additional participation from the Nordic venture capital firm Northzone.

Qapital’s approach combines tools that have been rolled out into financial services verticals by startups like Digit, Acorns, Betterment, Wealthfront and Clarity Money (which was recently acquired by Goldman Sachs) .

Using certain principles of behavioral economics, Qapital tries to encourage users to save money towards goals and make better financial choices overall.

The company’s executive team even includes the renowned fintech startup whisperer Dan Ariely, who serves as chief behavioral economist for Qapital when he’s not moonlighting as the James B. Duke professor of Psychology and Behavioral Economics at Duke University, and a ​New York Times​ best-selling author.

Ariely’s theories helped shape Qapital’s “rules” and “goals” approach to money management, where users set short term and long term goals for themselves and then create spending rules to help them achieve those goals. Rules can vary from “save a dollar every time I buy a coffee” to “save $2 when anytime I use a credit or debit card”.

“Building personal banking products that people love is hard, and traditional banks to date haven’t done enough to inspire and engage their customers,” said Pär Jörgen Pärson, Chairman of the Qapital Board and General Partner of Northzone, in a statement. “Qapital understands that through building a great product that is easy to use and winning its customers’ trust, we will inspire happiness and empower people to meet their goals.”

The new capital should provide some defensibility for Qapital as the industry looks to head into a period of consolidation. 

As George Friedman, Qapital’s chief executive and co-founder noted in an email, “banks haven’t done enough to inspire and engage customers, and … banks simply can’t match the innovation speed of start-up challengers.”

With the Goldman Sachs acquisition of Clarity Money, Friedman says,”there is real demand among consumers for financial products with financial management tools built in.”

 


Source: TechCrunch

Yahoo Mail launches new wave of updates with faster loads, photo themes, RSVPs, improved OOO

While many are on the lookout for new, big revamp of Gmail, its smaller competitor Yahoo Mail today jumped in first with its own set of updates, covering both new personalisation features and faster performance times.

The changes come about 10 months after Yahoo Mail rolled out its own major redesign, and are an extension of some of the themes that the company introduced back then.

Change and iteration is the theme of the day, it seems: today, Yahoo Mail’s parent Oath (which is also TechCrunch’s owner), also announced a new president and COO, K. Guru Gowrappan, who joins from Alibaba and had in his distant past once also worked at Yahoo, Quixey and Zynga. (Additionally, Oath’s former senior director of publisher products, Simon Khalaf, has also parted ways with the company.)

Yahoo Mail has a long road ahead of it to grow its user base, though. Putting to one side the fact that many people have stopped using email, opting instead for messaging apps and more integrated communications platforms like Slack, Yahoo Mail itself has had its own competitive and security issues.

Most pointedly, the service suffered one of the biggest user data breaches in the history of the internet, affecting more than 1 billion people and impacting the price that Verizon ultimately paid by some $350 million when it acquired Yahoo last year.

That, plus the lack of updates Yahoo Mail made over many years previously, and the swift rise of the very popular Gmail from Google and very office-friendly services like Microsoft’s, have all served to keep Yahoo Mail’s growth in strong check.

I asked for an update on active monthly users but have yet to get it. However, last year, the company said it had 225 million active users. As a point of comparison, Gmail today has well over 1 billion (based on a figure Google confirmed back in 2016). My educated guess is that the gulf between the two has only grown over time.

Still, you can say that Yahoo has been thinking ahead of the curve in some respects: last year, the company introduced a Pro version that you pay for in exchange for no advertising.

Given the wave of criticism that is now hitting Facebook — and by extension all ad-based “free” services — over just what kind of information is being gathered, bartered and used relating to us, it will be interesting to see how much more the idea of paid services in lieu of ad-based free catches on. We have asked a Yahoo Mail spokesperson for any updated numbers that can be shared on the number of subscribers.

In any case, today Yahoo Mail’s focus is on improvements to the performance of the whole Mail product, impacting both paid and free tiers.

For one, the company continues to iterate on the new Redux architecture that the company introduced when it announced its rebuild last year.

Among the changes that are now in place, Yahoo says that there is now a 50 percent reduction in JavaScript exceptions; and a 20 percent reduction in overall API failures, including 20 percent when checking for new emails, 30 percent when reading email messages, and 20 percent when sending emails. Page load performance is up by 10 percent, and frame rendering by 40 percent — numbers that may not really be understood in any practical way by users, but inevitably make the Yahoo Mail experience much smoother.

In terms of new features, there are several areas where Yahoo Mail is adding more bells and whistles that focus on personalisation.

Yahoo Mail said that photo themes — the ability to add new backgrounds behind the actual interface of the otherwise relatively-vanilla mail service — have been one of the most consistently-requested features for the product.

So building on the previous ability to change the color of your background, now you can also add photos (illustrated in the GIF above). Given the existence of Flickr in the Yahoo stable, and the way that Yahoo has been using imagery in other products like its Weather app, I’m surprised that it’s taken this long to get this one off the ground.

Another new feature is tighter and better integration with your calendar.

Specifically, now Yahoo Mail will let users create and send calendar invites directly from within the mail service. This will also mean that users can now short-cut by accepting invites (or rejecting) without even opening the mail itself. Users of Gmail may know this feature well, and again it’s a welcome and needed (and overdue) addition to the Yahoo web mail service.

Finally, Yahoo Mail is adding some more pizzaz to your out of office responders.

I can’t help but think of The Office and other TV shows and films that parody the boring monotony of desk work when I hear about improvements like these: features that make very mundane things — like OOO responders — more “fun”. Still! Having been the recipient of many a “zany” OOO note, I know that people do love to play around with these, so here’s to the crazy ones.

You can now add GIFs and custom stationery so that your autoreplies stand out a little bit more.

We’ll update this post when and if we get more user numbers from the company.


Source: TechCrunch

Microsoft Translator gets offline AI translations

Chances are you mostly need a translator app on your phone while you are traveling. But that’s also when you are most likely to not have any connectivity. While most translation apps still work when they are offline, they can’t use the sophisticated — and computationally intense — machine learning algorithms in the cloud that typically power them. Until now, that was also the case for the Microsoft Translator app on Amazon Fire, Android and iOS, but starting today, the app will actually run a slightly modified neural translation when offline (though iOS users may still have to wait a few days, since the update still has to be approved by Apple).

What’s interesting about this is that Microsoft is able to do this on virtually any modern phone and that there is no need for a custom AI chip in them.

Microsoft’s Arul Menezes tells me that these new translation packs are “dramatically better” and provide far more human-like translation than the old ones, which relied on an older approach to machine translations that has now been far surpassed by machine learning-based systems. The updated language packs (which only take up about half the space of the old ones) are now available for Arabic, Chinese-Simplified, French, German, Italian, Japanese, Korean, Portuguese, Russian, Spanish and Thai, with others to follow.

Menezes tells me that Microsoft first trialed these on-device neural translation with Huawei, which started including its homegrown AI co-processor in its Mate 10 and Honor 10 phones last year. Now, however, thanks to what Menezes called “a lot of careful engineering,” the team is able to run these models on phones without dedicated AI hardware, too.

A mobile platform is still somewhat limited compared to a data center, though, so the team also shrunk the models a bit, so if you’re offline, chances are you’ll still see a few more translations that aren’t quite right compared to when you’re online. Microsoft promises that the difference in quality between online and offline translation is barely noticeable, though. “The gap between the neural offline translation and the previous translation quality with our older models is huge,” said Menezes — and he wasn’t shy to compare the quality of Microsoft’s translation services to Google’s.

With this update, Microsoft is also making these offline capabilities available to other app developers on Android who want to use them in their apps (for a price, of course). These apps can now call the Microsoft Translator app in the background, get the translation and then display it to their users. If you’re offline, it’ll use the offline translations and if you are online, it’ll send the queries to the Microsoft cloud.


Source: TechCrunch

FCC Delays Are Keeping Broadband From Rural School Kids

An FCC program promised to bring high-speed internet to remote schools. Instead, they’ve mostly gotten red tape.
Source: Wired

How to Set Up and Use a YubiKey for Online Security

These simple, battery-free devices provide an easy way to securely verify that it’s really you who’s trying to access your online accounts.
Source: Wired

Voicera scoops up AI note-taking app Wrappup

Voicera wants to be the company that eliminates the need for human note taking once and for all. Their vision is an AI-driven voice recognition system that not only takes notes, but identifies speakers and summarizes key points and action items. Today, the company announced it had acquired a similar startup, Wrappup, an AI-fueled note taking app that fits in nicely with that vision.

The Wrappup team is joining Voicera immediately. Terms were not disclosed.

Voicera CEO Omar Tawakol certainly saw the fit. “Both companies approached the problem with meetings in synergistic ways. Wrappup’s mobile-first, in-person meeting product complements and extends Voicera’s initial focus on conference calls,” he said in a statement.

Wrappup’s special strength it turns out it is identifying the salient points in a meeting in a mobile context. To that end, the company also announced the launch of a new mobile app. Chances are this combining of these two companies has been in the works for some time, and is just being made official today.

Photo: Voicera

Wrappup CEO Rami Salman says joining forces with Voicera creates a more compelling and powerful solution for customers. “Our combined tech stack and AI algorithms more accurately identify and summarize important moments from all your meetings, regardless of where they are held,” he said in a statement.

Voicera’s voice recognition tool is a cloud service called Eva. It is designed to remove the task of note taking from the meeting experience. The company got a $13.5 million Series A last month from some big-time investors including e.ventures, Battery Ventures, GGV Capital and Greycroft. They also got some attention from enterprise corporate venture investors including GV (the investment firm affiliated with Google), Microsoft Ventures, Salesforce Ventures and Workday Ventures. The level of these investors shows the company is attacking a real pain point for meeting attendees.

Wrappup is based in Dubai and was founded in 2015. Its raised $800,000 to date. It works with existing meeting tools including GoToMeeting from Citrix, WebEx from Cisco, UberConference and Zoom.


Source: TechCrunch

Amazon and Best Buy team up to sell smart TVs – CNET

Best Buy will launch more than 10 4K and HD Fire TV Edition models from Toshiba and Insignia starting this summer.
Source: CNET

Basis, a year-old startup that’s building a price-stable cryptocurrency, just raised $133 million from top investors

If you own any Bitcoin, you’re probably in the habit of watching its price fluctuate wildly. What you aren’t doing is using your Bitcoin to buy things. It’s too valuable, not to mention unpredictable.

Enter Basis, a year-old, 10-person, Hoboken, N.J.-based cryptocurrency startup at work on a “stable coin” whose elastic supply will ostensibly expand and contract to keep its value at about a dollar instead of all over the map. The company’s big idea: to develop a new token that people will actually use, instead of use to speculate.

Investors apparently love what Basis is cooking up. The upstart is announcing today that it has raised a somewhat stunning $133 million in funding from Bain Capital Ventures, GV, longtime hedge fund manager Stan Druckenmiller, one-time Federal Reserve governor Kevin Warsh, Lightspeed Venture Partners, Foundation Capital, Andreessen Horowitz, WingVC, NFX Ventures, Valor Capital, Zhenfund, Ceyuan, Sky Capital, Digital Currency Group and others.

Reuters reported on part of the round last October, though CEO Nader Al-Naji, who cofounded the company with former Princeton classmates Lawrence Diao and Josh Chen, didn’t share specifics at the time on how much the company was in the process of raising.

Al-Naji continues to keep details close to the vest, declining in an interview yesterday to discuss when, exactly, Basis’s tokens will be in circulation. He also declined to share when he believes the token could see widespread adoption or to elaborate about the “major apps” with which Basis plans to integrate.

He did explain his love of Bitcoin, which started during his senior year at Princeton in 2012 when he managed to mine 22 Bitcoins. (“There was free electricity on campus,” he told us with a laugh.) It returned in 2016 when, as he readily admits, he noticed his Bitcoin’s value begin to soar.

The three founders, who worked at D. E. Shaw and Google out of school, also have their eye on three ways to get Basis adopted. They think the developing world is one target market, given that many of countries’ currencies are devaluing at a rate of 10 percent of more right now. (Bitcoin was intended to solve the problem of developing nations but its currency has proved too volatile for the task.)

They see Basis positioned well to take advantage of the large crowdfunding market, in part because if you’re crowdfunding for more than a few days, the prices of many currencies can move, which is not ideal, particularly if those currencies are moving in a line toward the ground.

Not last, they imagine that cryptocurrency exchanges that are currently dealing with all kinds of pricing gyrations will embrace Basis.

How it works isn’t crystal clear to us as of this writing, but when demand is rising, the system will create more Basis, and when demand is falling, the company will reduce Basis’s supply to create an increase in price. We gather from its white paper that early investors benefit off this supply and demand.

Basis is not the only company working to develop a stable cryptocurrency for people who want to use digital currency as easily as they do fiat currencies. A growing number of companies sees the opportunity that Basis has in its sights. (You can learn more about some of them here.)

Still, Al-Naji sees Basis playing a winner-takes-all game. “We do believe that one winner will capture the most of the mind share and create products and an ecosystem that uses its cryptocurrency, and we think once that foothold is in place,” it’s game over for other competitors, he suggests.

Certainly, the kind of backing it’s announcing looks to help toward that end. More details would help, too.

We’ll have a bit more on this story later this morning…

 


Source: TechCrunch

Amazon launches international shopping from the US – CNET

Is the must-have item you’ve been lusting over only available in the US? No worries, you can still get hold of it.
Source: CNET

Wonolo picks up $13M to create a way to connect temp workers with companies

AJ Brustein was out spending time with a member of his merchandising team when a nearby store ran out of stock of some goods — but there was no one on staff responsible for that location. Fortunately, the employee he was with had already showed him how to restock the shelves, and he offered to peel off and do it himself.

But that gap in the workforce may have just continued, leading directly to potential lost revenue for companies that sell products in those stores. That’s why Brustein and Yong Kim started Wonolo, a tool to connect companies with temporary workers in order to fill the unexpected demand those companies might face in those same out-of-stock situations. Wonolo employees sign up for the platform, and the companies that partner with the startup have an opportunity to grab the necessary workers they need on a more flexible basis. Wonolo today said it has raised $13 million in a new financing round led by Sequoia Capital, including existing investors PivotNorth and Crunchfund, and new investor Base10. Sequoia Capital’s Jess Lee is joining the company’s board of directors as part of the financing.

“There’s a big opportunity  helping people fill in their schedule with shifts,” Brustein said. “We really found there’s this huge untapped market of people who are looking for work who are underemployed. Let’s say Mary is a great worker and has a great job at the Home Depot, but no matter how good she, is she can only get 29 hours of work. It’s hard to manage schedules between different employers that want you to work the same hours. That’s the market we’ve really focused on, the underemployed market, which is a growing unfortunate trend in the U.S. That’s changed a little bit about the types of jobs we have on the platform.”

Wonolo is essentially looking to replace the typical temp agency experience, which helps workers find positions with companies that need a more limited amount of time. Meanwhile, those workers get an opportunity to fill in extra shifts that they might need for additional income on a more flexible schedule. Once a company posts a job to Wonolo, employees will get notified that it’s available and then get a chance to pick up those shifts, and when the job is approved those workers get paid right away.

While the jobs that Wonolo is suited for are more along the lines of merchandising, events staff, or more general labor, the hope is that the service will also expose those employees to a variety of companies who may actually end up wanting to hire them at some point. It allows them to get a good snapshot of all the work that’s available, and theoretically would help offer them an additional step on a career path that could get them to a direct full-time job with any of the companies from which they might end up accepting jobs.

“We thought we could address [the idea of being able to deal with unpredictability] better than temp staffing, and we realized the antidote was flexibility on the worker side,” Brustein said. “We could match them with these jobs that would unpredictably pop up. When we dug into it, we realized flexibility was something that was just completely lacking for workers. We took a very different approach to the way that people will often recruit talent for staffing agencies or their own employees. We are looking at character traits.”

Wonolo was born out of Brustein and Kim’s experience at Coca-Cola, where they had an opportunity to work with a major brand for a number of years. After a while, they got an opportunity to start working on a more entrepreneurial project, and that’s when that whole merchandising scenario played out and prompted them to start working on Wonolo. That part about character traits is an important part for Wonolo, Brustein said — because as long as someone can complete a job, they don’t have to be an absolute expert, as long as they are there ready and good to go.

There are, of course, companies trying to create platforms for temporary workers, like TrueBlue, and Brustein said Wonolo will inevitably have to compete with more local players as it looks to expand. But the hope is that aiming to tap the same kind of flexibility that made Uber so popular for temporary staffers — and potentially that pathway to a big career opportunity — will be one that attracts them to their service.


Source: TechCrunch

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