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Archivo del Autor: Belen De Leon

Climate Change Is Brutal for Everyone, but Worse for Women

Researchers find the climate crisis is imperiling the agency of women in Africa and Asia. It will only deteriorate further—unless we act.
Source: Wired

UN Secretary-General: US-China Tech Split Worse Than Cold War

In an interview with WIRED editor in chief Nicholas Thompson, António Guterres says the world’s next major conflict will start in cyberspace.
Source: Wired

Juiced Bikes Scorpion Rides the Line Between Cycling and Motorbiking

If you’re tiny, want a motorcycle, and don’t want to pay for insurance, there’s an ebike for you.
Source: Wired

Scribd raises $58M for subscription e-books and audiobooks

Scribd has raised $58 million in new funding led by growth firm Spectrum Equity.

The company first launched as a document-sharing service in 2007 before creating an e-book subscriptio in 2013. It now offers access to a library of e-books, audiobooks, newspapers and magazines for $8.99 per month. (Access is unlimited for most subscribers, but Scribd can cap the reading and listening of its most active users.)

At the beginning of this year, the company announced that it had more than 1 million paying subscribers. It also said it was seeing more than 100 million visitors each month (many of them brought in by the free document-sharing), it’s been profitable since 2017 and it’s bringing in $100 million in annual recurring revenue.

Since then, the company has launched an original content initiative focused on works that are longer than a magazine article but shorter than a traditional book. It’s also started to create localized experiences for international markets like Mexico.

In the announcement, co-founder and CEO Trip Adler said the new funding “will enable us to continue to operate sustainably and efficiently while accelerating our growth, product innovations, content acquisition and continued investment in our employees.â€�

Scribd previously raised a total of $47.8 million in funding, according to Crunchbase, most recently in a Series D that was announced nearly five years ago.

Spectrum Equity, meanwhile, has backed companies like Ancestry, Grubhub, Headspace and SurveyMonkey.

“As a differentiated content library, including robust user-generated content and ebooks and audiobooks from top tier publishers, Scribd is poised to be the leading online subscription reading service for consumers across the globe,” said Spectrum Equity Managing Director Pete Jensen in a statement. “Spectrum has been fortunate to be a part of successfully scaling several digital content businesses, and we look forward to partnering with Trip and the entire management team to help make Scribd a part of readers’ everyday lives.â€�

In addition to announcing the funding, Scribd said it has hired Tony Grimmick as its first chief financial officer, Meghan Cochran as its first vice president of product and Patsy Mangan as its first vice president of people.


Source: TechCrunch

Anti-money laundering software startup TookiTaki raises $11.7 million in additional Series A funding

TookiTaki, a startup that develops machine learning-based financial compliance software, announced today it has raised a $11.7 million in additional Series A funding, led by Viola Fintech and SIG Asia Investment, with participation from Normura Holdings. Existing investors Illuminate Financial, Jungle Ventures and SEEDs Capital also returned for the extension, which brings TookiTaki’s total Series A (first announced in March) to $19.2 million.

The company is using the funding to enhance their anti-money laundering (AML) and reconciliation software, and to hire for its offices in the United States, Singapore and India.

In a press statement, Viola Fintech general partner Tomer Michaeli said “With almost twenty years’ experience that Viola has in the AML sector, we found Tookitaki’s approach to be very unique. Its pragmatic way of creating an overlay on top of legacy AML systems helps increase accuracy and significantly lower operating costs for financial institutions. Moreover, its regulator-ready ‘glass box’ solution shows an innovative approach and a deep understanding of the challenges in the modern AML solutions market.”

 

TookiTaki was co-founded by CEO Abhishek Chatterjee and COO Jeeta Bandopadhyay in 2012. When TechCrunch reported on its seed round in 2015, the company provided data analytics to marketers. But it decided to focus its machine-learning platform for predictive analytics on regulatory compliance in late 2016 after realizing that there is a bigger business opportunity for vertical AI than a horizontal platform play, the founders told TechCrunch in an email.

Chatterjee was an associate at JP Morgan during the 2008 financial crisis and worked with U.S. regulators to make sure the bank’s products complied with new regulations. During that time, he says he realized that current anti-money laundering solutions reduced the effectiveness of compliance programs, and also struggled to keep up with the growth of digital banking and online transactions. Many legacy AML software had high false positive rates, TookiTaki’s founders say, and also missed activity by more sophisticated money launderers.

TookiTaki claims it reduces false positives for transaction monitoring by 50%, a result validated by Deloitte. Its software uses explainable machine learning models, which means their decisions are broken down in a way that can be easily understood by compliance staff, while providing them with the details they need for investigations. TookiTaki’s products can also help minimize costs by using a distributed computing framework, so it can be deployed in the cloud or on premise.

The software has two main modules: one that looks for suspicious transactions across different systems, and names screening, which screens for high-risk individual and corporate customers. Other TookiTaki features include machine learning algorithms that are constantly updating for new money laundering patterns and dividing alerts into low, medium and high-risk, making it easier for companies to figure out how to prioritize investigations.


Source: TechCrunch

Uber has again been denied licence renewal in London over safety risks

Two months after being given a two-month reprieve on its licence to operate in London, Uber has once again been denied a full renewal by the city’s transport regulator — which said today that it had found a “pattern of failures” which put “passenger safety and security at risk”.

Uber has confirmed it will appeal the decision.

The UK capital is a major European market for Uber, which claims to have 3.5 million users and 45,000 registered drivers in the city.

The ride-hailing giants’ troubles in London began in 2017 when Transport for London (TfL) made the shock decision to deny its licence renewal, citing a range of concerns including how Uber reported criminal offences; carried out background checks on drivers; and its use of proprietary software it developed that could be used to block regulatory oversight.

In the latest decision against Uber TfL concludes the company is not “fit and proper” to hold a private hire vehicle licence, saying it identified thousands of regulatory breaches — with a key issue being a change to Uber’s systems that allowed unauthorised drivers to upload their photos to other Uber driver accounts.

“This allowed [unauthorised drivers] to pick up passengers as though they were the booked driver, which occurred in at least 14,000 trips — putting passenger safety and security at risk,” TfL writes.

“This means all the journeys were uninsured and some passenger journeys took place with unlicensed drivers, one of which had previously had their licence revoked by TfL.”

It also identified another safety and security failure that allowed dismissed or suspended drivers to create an Uber account and carry passengers.

“TfL recognises the steps that Uber has put in place to prevent this type of activity. However, it is a concern that Uber’s systems seem to have been comparatively easily manipulated,” it adds.

The regulator says it identified further serious breaches, including several insurance-related issues. Some of these led it to prosecute Uber, earlier this year, for causing and permitting the use of vehicles without the correct hire or reward insurance in place.

While TfL highlights “a number of positive changes and improvements to [Uber’s] culture, leadership and systems”, since the company was granted a 15-month provisional licence by a magistrate in June 2018 — including noting that it has interacted with TfL in “a transparent and productive manner” — it concludes it cannot ignore the risks posed by “a pattern of failures” from “weak systems and processes”.

“This pattern of regulatory breaches led TfL to commission an independent assessment of Uber’s ability to prevent incidents of this nature happening again. This work has led TfL to conclude that it currently does not have confidence that Uber has a robust system for protecting passenger safety, while managing changes to its app,” it says.

Uber can continue to operate in London during the appeals process. So passengers will likely see no change in the short term. TfL says Uber has 21 days to file an appeal.

During the appeals process the company may also seek to implement changes to demonstrate to a magistrate that it is fit and proper by the time of the appeal hearing. So, again, it’s possible Uber could win another provisional licence in future, depending on the steps it takes to improve its systems. But there’s no doubt the regulator is in the driving seat at this point.

TfL says it will continue to “closely scrutinise” Uber during any continued operation, including checking it meets the 20 conditions it set out in September 2019.

“Particular attention will be paid to ensuring that the management have robust controls in place to manage changes to the Uber app so that passenger safety is not put at risk,” it adds.

Commenting in a statement, Helen Chapman, director of licensing, regulation and charging at TfL, said: “Safety is our absolute top priority. While we recognise Uber has made improvements, it is unacceptable that Uber has allowed passengers to get into minicabs with drivers who are potentially unlicensed and uninsured.

“It is clearly concerning that these issues arose, but it is also concerning that we cannot be confident that similar issues won’t happen again in future. If they choose to appeal, Uber will have the opportunity to publicly demonstrate to a magistrate whether it has put in place sufficient measures to ensure potential safety risks to passengers are eliminated. If they do appeal, Uber can continue to operate and we will closely scrutinise the company to ensure the management has robust controls in place to ensure safety is not compromised during any changes to the app.�

Responding to TfL’s decision in a statement, Uber’s regional general manager for Northern & Eastern Europe, Jamie Heywood, dubbed it “extraordinary and wrong”.

“We have fundamentally changed our business over the last two years and are setting the standard on safety. TfL found us to be a fit and proper operator just two months ago, and we continue to go above and beyond,” he said. “On behalf of the 3.5 million riders and 45,000 licensed drivers who depend on Uber in London, we will continue to operate as normal and will do everything we can to work with TfL to resolve this situation.â€�

On driver ID specifically, Heywood added: “Over the last two months we have audited every driver in London and further strengthened our processes. We have robust systems and checks in place to confirm the identity of drivers and will soon be introducing a new facial matching process, which we believe is a first in London taxi and private hire.”


Source: TechCrunch

Uber loses bid to renew London license due to safety concerns – CNET

London’s transport regulator still finds the ride-hailing service to not be “fit and proper.”
Source: CNET

Carbon dioxide levels reach highest recorded levels in human history – CNET

In 2018, carbon dioxide concentration in the atmosphere kept climbing, and they don’t show any sign of slowing down.
Source: CNET

10 Thanksgiving mistakes you don't want to make – CNET

Your turkey day will run much smoother if you follow these tips.
Source: CNET

2020 Volkswagen Passat first drive review: This is fine – Roadshow

The updated Passat stays the course while the North American sedan market burns around it.
Source: CNET

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