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Archivo del Autor: Belen De Leon

TikTok—Yes, TikToK—Is the Latest Window Into China’s Police State

Expat Uyghurs are gaming the social platform known for fluff to find loopholes in Xinjiang’s information lockdown.
Source: Wired

How to Get 150,000 Stranded People Home in 2 Weeks

The UK has a fund to bring home passengers left hanging after the collapse of travel agency Thomas Cook. In the US, travelers wouldn’t be so lucky.
Source: Wired

The PlantWave Device Lets Your Houseplants Play Music

The device converts the electrical conductivity of houseplants into audio, giving plants the chance to sing.
Source: Wired

We’re Killing the Oceans, and We’ll Pay Dearly for It

Depending on whom you ask, the IPCC’s latest report is either startling, depressing, or dire—or more likely a combination of all three.
Source: Wired

Manila-based payments processing startup PayMongo raises $2.7 million in seed funding

Manila-based financial tech startup PayMongo has raised $2.7 million in seed funding to give merchants in the Philippines and other Southeast Asian markets simple ways to set up online payments. Investors included Founders Fund, Peter Thiel and Stripe, with participation from Y Combinator (PayMongo is the first Philippine fintech company it has funded), Global Founders Capital, Soma Capital, Tinder co-founder Justin Mateen and other angel investors.

PayMongo was launched in June by a founding team that includes CEO Francis Plaza, COO Edwin Lacierda, CTO Jamie Hing and chief growth officer Luis Sia. Since then, more than 1,000 businesses have started using its platform and the startup says its total transaction value processed is growing at an average of 117% week over week. PayMongo’s seed round will be used for hiring, product development, business acquisitions and strategic partnerships.

paymongo founders

PayMongo founders

The startup will focus on the Philippines first, where the country’s central bank has set a target of increasing the rate of cashless payments to 20%. Plaza says PayMongo’s goal is to become the largest payment service provider in the country before expanding to other markets in Southeast Asia.

Prior to launching PayMongo, its team spent several years working on other projects. During that time, they realized payments were the hardest feature to integrate into products and services. Even though the Philippines’ Internet economy is growing quickly (a report from Google expects it to increase from $5 billion in 2018 to $21 billion by 2025) and more people are using e-commerce, online payments have lagged behind the rest of the world, Plaza says.

“When you want to launch something online for a payment gateway, you have to deal with banks and many different financial institutions. It takes months, we tried it ourselves, from negotiating rates to submitting paperwork. It takes a long time, and then in the end you are charged high fees,� he tells TechCrunch.

Even after businesses finish dealing with banks, they need to figure out payment gateways that are often difficult for people with little tech experience to start using.

PayMongo has already partnered with several financial institutions and its technology, including a payments API that Plaza says can be set up in minutes, is designed to be user friendly. Since many online merchants in the Philippines sell through social media platforms and messaging apps, like Facebook, Instagram, Viber and WhatsApp, PayMongo also provides customizable payment links that they can send to customers.

The credit card penetration rate in the Philippines is only about 6%, Plaza says, so PayMongo also supports e-wallets like GCash and PayMaya and services that allow people to pay for online purchases in cash at convenience stores. PayMongo’s products for micro-entrepreneurs, like freelancers and people who sell items through social media, help it differentiate from competitors like Paynamics, Dragonpay and PesoPay that typically focus on serving larger businesses (though Plaza says PayMongo has also been adopted by large retail chains).

In a statement, Y Combinator partner Kevin Hale said “At YC, we love companies who build services that empower startups. We believe PayMongo will provide the infrastructure that is needed for more Filipinos to become founders who are in charge of their own destiny.�


Source: TechCrunch

Fidel raises $18M to let developers build on top of payment data from Visa, MasterCard and Amex

Fidel, the U.K.-headquartered startup that offers an API to let developers build functionality, such as rewards, on top of the major card payment networks, has raised $18 million in Series A funding.

The pretty sizeable round is co-led by U.S.-based fintech funds Nyca Partners and QED Investors. Also participating are Citi Ventures, Commerce VC, Elefund, Horizons Ventures, RBC Ventures Inc. (a subsidiary of Royal Bank of Canada), and 500 Startups. Several angel investors also joined in, such as Cris Conde, former CEO of Sungard, and Taavet Hinrikus, founder of TransferWise.

Meanwhile, Hans Morris, former President of Visa and Managing Partner of Nyca Partners, and Yusuf Ozdalga, Partner at QED Investors, will join the company’s board.

Fidel says the new funding will be used to expand the Fidel team and support the company’s growth, product development and international ambitions in North America, the Nordics and APAC.

Working in partnership with Mastercard, Visa and American Express, put simply Fidel has developed a suite of APIs that make it easy to link a user’s payment card to an app. This means that developers are able to build card-linked applications “in a matter of minutes,” such as loyalty-based rewards and more innovative use-cases afforded by access to the real-time data that card payment networks can provide.

Not only does Fidel offer a single point of integration — thanks to its partnerships with all three card networks — but the company also removes the burden of regulatory compliance from its customers by securely tokenising card numbers. “All of this helps businesses get to market and scale faster,” says Fidel co-founder and CEO Subrata Dev.

“Card-linking is the optimal choice for any user journey that relies upon real-time payment information, location accuracy and a frictionless customer experience,” he says. This includes loyalty, digital receipts, PFM/expense management, and “online-to-offline attribution”.

Loyalty is currently Fidel’s main use case. This typically sees a user sign up to a loyalty program, where they can earn points, rewards and cash back automatically when they pay using a registered card. It’s the card-linking aspect that Fidel makes possible, regardless of what type of card it is and who the user banks with. Of course, with any such loyalty app, cards are only linked when a user opts in.

Fidel Mobile SDK ios

One example of Fidel-powered card-linking is the British Airways Executive Club app that lets members earn Avios points automatically when they shop with any linked credit or debit card at participating retailers.

Dev tells me the benefits of using Fidel instead of “open data sources” enabled through Open Bankking/PSD2 is that card network data is real-time and granular. In contrast, bank account data, especially that offered by legacy banks as apposed to challengers, can be slow and quite limited.

“We are able to see specific information including – crucially – location, in real-time, which is pivotal to many use cases,” he explains. “Open data sources typically provide much lower quality data, even once scraped. Card-linking is also frictionless for the user, who registers their card once and shops as usual. Again, this is key for loyalty and retention use cases where open banking’s requirement for customers to re-authenticate every 90 days would cause far too much friction and dropout”.

With that said, as it stands, Dev says that Fidel rarely competes against Open Banking API solutions, as the choice of data source is generally dependent on the specific use case. “Many of our customers are using a combination of the two sources to gather a more holistic view and create better user experiences,” he adds. “So whilst there may be some level of overlaps, account-linking and card-Linking are largely complementary”.


Source: TechCrunch

Alibaba unveils Hanguang 800, an AI inference chip it says significantly increases the speed of machine learning tasks

Alibaba Group introduced its first AI inference chip today, a neural processing unit called Hanguang 800 that it says makes performing machine learning tasks dramatically faster and more energy-efficient. The chip, announced today during Alibaba Cloud’s annual Apsara Computing Conference in Hangzhou, is already being used to power features on Alibaba’s e-commerce sites, including product search and personalized recommendations. It will be made available to Alibaba Cloud customers later.

As an example of what the chip can do, Alibaba said it usually takes Taobao an hour to categorize the one billion product images that are uploaded to the e-commerce platform each day by merchants and prepare them for search and personalized recommendations. Using Hanguang 800, Taobao was able to complete the task in only five minutes.

Alibaba is already using Hanguang 800 in many of its business operations that need machine processing. In addition to product search and recommendations, this includes automatic translation on its e-commerce sites, advertising and intelligence customer services.

Though Alibaba hasn’t revealed when the chip will be available to its cloud customers, the chip may help Chinese companies reduce their dependence on U.S. technology as the trade war makes business partnerships between Chinese and American tech companies more difficult. It can also help Alibaba Cloud grow in markets outside of China. Within China, it is the market leader, but in the Asia-Pacific region, Alibaba Cloud still ranks behind Amazon, Microsoft and Google, according to the Synergy Research Group.

Hanguang 800 was created by T-Head, the unit that leads the development of chips for cloud and edge computing within Alibaba DAMO Academy, the global research and development initiative that Alibaba is investing more than $15 billion in. T-Head developed the chip’s hardware and algorithms designed for business apps, including Alibaba’s retail and logistics apps.

In a statement, Alibaba Group CTO and president of Alibaba Cloud Intelligence Jeff Zhang (pictured above) said “The launch of Hanguang 800 is an important step in our pursuit of next-generation technologies, boosting computing capabilities that will drive both our current and emerging businesses while improving energy-efficiency.�

He added “In the near future, we plan to empower our clients by providing access through our cloud business to the advanced computing that is made possible by the chip, anytime and anywhere.�

T-Head’s other launches included the XuanTie 910 earlier this year, an IoT processor based on RISC-V, the open-source hardware instruction set that began as a project at U.C. Berkeley. XuanTie 910 was created for heavy-duty IoT applications, including edge servers, networking, gateway and autonomous vehicles.

Alibaba DAMO Academy collaborates with universities around the world that have included U.C. Berkeley and Tel Aviv University. Researchers in the program focus on machine learning, network security, visual computing and natural language processing, with the goal of serving two billion customers and creating 100 million jobs by 2035.


Source: TechCrunch

India’s ALTBalaji partners with Microsoft to bring online video streaming to offline users

ALTBalaji, a leading video streaming service in India, has partnered with Microsoft and fintech firm Eko as it moves to expand its subscriber base in the country that is already larger than any of its local rival.

ALTBalaji, which has over 27 million paying subscribers, said it will use Microsoft’s BlendNet technology to help its users download and access more titles without consuming large amounts of cellular data.

Microsoft is providing ALTBalaji with BlendNet technology that enables videos to be disseminated through a combination of cloud-enabled metadata systems. “The file is transferred onto the recipient’s mobile using peer-to-peer local Wi-Fi. While the creation of this cloud plane might need a data network, the transfer of data will happen over local WiFi,� Microsoft said.

The idea is to move much of the downloading without relying on cellular data connectivity, which remains costly for the masses in India. ALTBalaji subscribers will be able to download files from their nearby EKO retail stores, as well as from other users who have the same files. When neither options are viable, the downloading is paused.

Nachiket Pantvaidya, CEO ALTBalaji and Group COO Balaji Telefilms, said he hopes that the new feature would help the video streaming service attract new users who don’t have access to cheap and reliable data. He said the firm also expects the feature to boost engagement for other subscribers on the platform who’re watching two to three episodes on the app each day.

“At ALTBalaji it has always been our endeavor to reach out to the masses and enhance our users’ experience through such services, while being affordable. And through this pilot feature, we aim to attract more viewers to our platform from areas with not so good internet connectivity,� said Pantvaidya.

In a statement, Meetul Patel, COO of Microsoft India, said, “Microsoft’s BlendNet is a great example of advanced technologies being used to make information and content accessible to all. It leverages the power of the cloud and intelligent edge networks to address gaps in connectivity and reduces the costs of content distribution.�

ALTBalaji, a wholly-owned subsidiary of Balaji Telefilms, has more paying subscribers in India than any other video streaming service in the nation, Nachiket told TechCrunch in a recent interview. The service is available for Rs 100 ($1.4) for three months, or comes bundled with offerings from telecom providers.

Unlike most other streaming services, ALTBalaji only serves originally produced locally relevant content on its platform. It has made 45 original TV shows to date. Each year, the firm invests about 1500 million Indian rupees ($21 million) in production of original shows, Nachiket said.

The firm, which employs about 100 people, today fights with more than three dozen companies including Netflix, Amazon Prime Video, and Disney-owned Hotstar. Even has Hotstar claimed to have more than 300 million users earlier this years, it has fewer than 10 million paying subscribers, people familiar with the matter have told TechCrunch.

Netflix has fewer than 3 million subscribers in India, according to industry estimates. It recently launched a mobile-only plan in the country that is aggressively priced. A person familiar with the matter told TechCrunch that the new price tier has attracted a significant number of new subscribers to Netflix.


Source: TechCrunch

Joker director addresses Aurora shooting concerns: 'A horrible situation' – CNET

Loved ones of those killed in a 2012 Colorado shooting are calling on Warner Bros. to tackle gun violence.
Source: CNET

iPhone 11 Pro and 11 Pro Max review: The iPhone for camera and battery lovers – CNET

Apple’s iPhone 11 Pro models offer just a little bit extra, but some of those features matter a lot to extreme mobile users and pixel experts.
Source: CNET

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