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Archivo del Autor: Belen De Leon

Koyo raises $4.9M in equity and debt to use open banking to offer loans to people with ‘thin’ credit files

Koyo, a fintech startup using open banking to offer loans to people with “thin” credit files and currently poorly served by the market, has closed $4.9 million in funding.

The round — a mixture of debt and equity funding — is led by Forward Partners, with participation from Seedcamp. Other investors include Christian Faes (founder and CEO of LendInvest), and Charlie Delingpole (founder and CEO of ComplyAdvantage).

Founded in late 2018 by ex-Frontline Ventures VC Thomas Olszewski, and launching later this year, Koyo is attempting to tackle the problem whereby people without much of a credit history, such as migrants or those who have never taken credit or aren’t the main bill payer, aren’t able to secure a loan.

And even if they are, the financial products they’ll typically get access to often charge excessive fees and have an extremely high interest rate.

By using open banking data to better assess risk based on a person’s up-to-date transaction history, the company thinks it can offer something a lot more competitive.

“If someone is new to the country or otherwise has a thin credit file it can be difficult for that person to access credit,” says Olszewski. “For example, if you’ve been in the country for a year or two and you’d like to get a personal loan, the types of loans that would be offered to you would be payday loans (1,000%+ APRs) or longer term loans in the 50-99% APR range that may require a guarantor”.

The reason is because these types of customer have little or no information in their credit file, and the vast majority of lenders rely on the three main bureaus (Equifax, Experian, Transunion) to make a credit decision.

“We estimate 15-20% of the population are not captured by bureau data,” explains Olszewski. “Koyo is unique in that we require all customers to connect their current account to our platform using open banking, and we make a lending decision based on the transactions in that customers account, rather than just looking at the credit score. So, if we see the customer has regular income, has a reasonable expenditure relative to the size of their income, that customer may be eligible for a loan from us”.

With regards to competitors, Olszewski says that if you have a thin credit file (or have no file at all) and are unable to get a loan from a bank, there are providers such as Amigo Loans, and 118 Money or Sunny. However, he claims that Koyo will usually work out 50-90% cheaper on an APR basis.

“We expect our representative APR to be in the c35% range. While this may be expensive to people who have access to high street bank loans, it is a really exciting proposition for this market segment,” he adds. In addition, Koyo won’t charge late fees, early repayment fees, loan originations fees “or fees of any sort other than interest”.

Meanwhile, I’m told that Koyo is currently a “nimble” team of just 6, with 4 people in the management team. Along with Olszewski, they are CTO Guy Evans (former CTO of LendInvest), Head of Risk Kevin Allen (former CRO of Ratesetter) and Head of Marketing Peter Kent.


Source: TechCrunch

Welcome to the Jungle raises $22.3 million to make recruitment easier

French startup Welcome to the Jungle has raised a new $22.3 million funding round (€20 million). The startup is both a media company and a tech startup that wants to empower tech companies when it comes to recruitment. It doesn’t find the right candidate for you, it helps you get exposure, track application and facilitate onboarding.

Gaia Capital Partners is leading the round with existing investors Bpifance, XAnge and Jean-Paul Guisset also participating. With today’s funding round, the company wants to expand to more countries and develop new products.

This is also Gaia Capital Partners’ first investment. The firm raised a $110 million fund (€100 million) with around 40 limited partners, such as Sycomore Asset Management, Generali Investments and Bpifrance. The growth fund headed by Alice Albizzati and Elina Berrebi is going to focus on companies that have a positive environmental or societal impact at Series B stage and above.

Welcome to the Jungle is currently available in France, Spain and Czech Republic. Up next, the company is going to open offices in Germany and the U.K.

The company works with photographers and a video crew to create high quality profiles of other companies that are actively recruiting. This way, potential candidates can browse those profiles, learn more about companies and make up their mind.

Companies pay for those profiles to improve their branding, especially when it comes to recruitment. And it seems to be working well as there are now over 2,500 clients, including 250 in Spain and 100 in Czech Republic.

More recently, Welcome to the Jungle has started to expand beyond those showcases to tackle the recruitment process at large. The startup launched Welcome Kit, an applicant tracking system to manage job offers and take care of job applications.

With Welcome Kit, you can design a career site, write job postings and create application forms. Your recruitment team then receives applications, comments and collaborates with the rest of the team, sends emails using templates and more.

4,000 companies are using Welcome Kit. Collectively, they have posted about 150,000 job offers and received 2.5 million applications.

And now, Welcome to the Jungle is about to launch Welcome Home, the startup’s take on the good old intranet. The company realized that too many people who join a company don’t feel at home right away. And some people will even quit just a couple of months after joining a company.

You will be able to create an employee directory, post company-wide announcements and get information using Welcome Home. All of this should help create a more welcoming environment for newcomers.


Source: TechCrunch

"La IA describe un piso en 40 segundos, antes tardábamos una semana"

El CEO de la gestora de inmuebles Anticipa, Eduard Mendiluce, desgrana los beneficios que ofrecen las nuevas tecnologías, como la inteligencia artificial, a un sector que aún tiene mucho por digitalizar. Pero avisa de que la automatización de procesos solo es posible cuando se dispone de muchos datos
Source: MIT

La agricultura y ganadería ecológicas son peores para el cambio climático

Aunque las técnicas utilizadas son más respetuosas con el medio ambiente, requieren más terreno para producir la misma cantidad de alimento, lo que reduce la superficie capaz de captar CO2, y la mayor esperanza de vida de los animales aumenta las emisiones de metano, según un nuevo estudio
Source: MIT

Weird Halloween horror films and TV shows you may have overlooked – CNET

Vengeful witches, killer cults, evil dolls and tentacled sea creatures. Watch these unusual scary films and TV shows, streaming now, to get your spook on.
Source: CNET

How to watch World Series Game 5 between the Astros and Nationals live without cable – CNET

You don’t need a cable subscription to stream the Fall Classic tonight on Fox.
Source: CNET

Facebook pulls false political ad about Sen. Graham – CNET

Move shows that falsehood exemption doesn’t apply to political groups.
Source: CNET

How to get Amazon's 99-cent Echo Dot deal – CNET

If you’re willing to pay $8 for one month of Amazon Music Unlimited, the $1 Dot is yours.
Source: CNET

Best AirPods accessories – CNET

The AirPods are another Apple accessory that have spurred a cottage industry of more accessories. Here are some of our top picks.
Source: CNET

Meet Utah’s next unicorn

Weave, a developer of patient communications software focused on the dental and optometry market, was the first Utah-headquartered company to graduate from Y Combinator in 2014. Now, it’s poised to enter a small but growing class startups in the ‘Silicon Slopes’ to garner ‘unicorn’ status.

The business announced a $70 million Series D last week at a valuation of $970 million. Tiger Global Management led the round, with participation from existing backers Catalyst Investors, Bessemer Venture Partners, Crosslink Capital, Pelion Venture Partners and LeadEdge Capital.

The company was founded in 2011 and fully bootstrapped until enrolling in the Silicon Valley accelerator program five years ago. Since then, it’s raised a total of $156 million in private funding, tripling its valuation with the latest infusion of capital.

Weave

“Our aim with this funding round is to exceed our customers’ expectations at every touchpoint, investing heavily in the products we create, the markets we serve and the overall customer experience we provide,” Weave co-founder and chief executive officer Brandon Rodman said in a statement. “We will continue to invest in our customers, our products and our people to build a solid, sustainable, and scalable business.”

Weave charges its customers, small and medium-sized businesses, upwards of $500 per month for access to its Voice Over IP-based unified communications service. Rodman previously launched a scheduling service for dentists and realized the opportunity to integrate texting, phone service, fax and reviews to facilitate the patient-provider relationship.

While his second effort, Weave, has long been targeting the dentistry and optometry market, Rodman told Venture Beat last year the opportunities for the company are endless: “Ultimately, if a business needs to communicate with their customer, we see that as a possible future customer of Weave.”

Based in Lehi, Weave added 250 employees this year with total headcount now reaching 550. The company claims to have doubled its revenue in 2018, too. While we don’t have any real insight into its financials, given the interest it’s garnered amongst Bay Area investors, we’re guessings it’s posting some pretty attractive numbers.

“Weave has some of the best retention numbers we’ve ever seen for an SMB SaaS company,” Catalyst partner Tyler Newton said in a statement. “We’re continually impressed by their accelerated growth and results.”


Source: TechCrunch

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