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Archivo del Autor: Belen De Leon

Mark Zuckerberg on Facebook's Future and What Scares Him Most

The Facebook CEO chatted with WIRED’s editor-in-chief about building out a “privacy-focused” social network, and the tradeoffs he’ll need to make.
Source: Wired

Nintendo's really getting into VR with a Labo kit for Switch – CNET

The fourth cardboard Labo kit coming April 12 includes cardboard VR goggles.
Source: CNET

Let's look at the weird Nintendo VR Labo creations – CNET

Here’s what comes in Nintendo Labo: VR Kit, a cardboard virtual reality construction set for the Nintendo Switch. (Hint: elephants)
Source: CNET

Personalized wine? This Milwaukee company just raised $8.5 million to prove it’s the future

Wine buying is daunting for most people, whether it’s online or off a menu or in an aisle filled with so many brands that it’s hard not to buy the same products time after time, just to stay sane.

Therein lies the opportunity for Bright Cellars, a nearly four-year-old, 40-person Milwaukee, Wisconsin-based startup that sells wines directly to consumers on a subscription basis. Other monthly wine clubs have been at things longer, sending out award-winning wines, or hand-selected wines, or small-batch wines paired with craft meats and artisanal cheeses. But Bright Cellars is trying to educate members about what wine they might like so can figure out these decisions for themselves.

More interesting, to us: Bright Cellars is also quietly building a portfolio of its own wines based on member feedback, even while Bright Cellars doesn’t use its own label. In short, it’s going the way of wine giants like Gallo and Constellation and creating a number of different brands with the help of different suppliers. (Gallo, for example, owns Alamos and Barefoot Cellars, among roughly two dozen other brands. Constellation owns Cooper & Thief and Clos du Bois, among others.)

Taking a step back, the company starts to appear more ambitious than might seem based on its website, which immediately invites users to take a quiz aimed at discerning their particular taste profile. Think questions like: Do you like milk chocolate or dark or are you Reese’s type of person? Do you like you like your tea with lemonade and ice, or hot served with a lemon slice?

Despite the whimsical approach, Bright Cellars founders Richard Yau and Joe Laurendi insist the data they’re collecting is valuable, and not just potentially for winemakers. (Yau says Bright Cellars doesn’t sell its findings, but suggests the company might consider offering its aggregated insights at a later date.) It’s helping them figure out how tastes are changing, and, ostensibly, putting them in a better position to cater to those changes than companies that are dictating to their customers, instead of listening to them.

It’s a good enough story that Revolution Ventures just led an $8.5 million Series A round for the company. Bright Cellars’s seed investor, the Milwaukee-based venture firm, CSA Partners, which has a range of consumer-facing companies in its portfolio, also joined the round.

It also helps that the company is based in the Midwest, where Revolution is largely focused on helping startups compete with their East and West Coast peers. Yau, a native of San Francisco, says he never expected to live in Milwaukee, but after Bright Cellars was admitted in its earliest days to a local, three-month accelerator program called gener8tor, he and Laurendi decided to stay put.

“I really like it, I really like the people,” says Yau. “It’s definitely a smaller entrepreneurial community, but the founders here are very passionate and very supportive and in a larger ecosystem, we might not be connected to all the pieces here that make it work.”

That Yau and Laurendi were roommates at MIT is a nice twist, too. Though most MIT grads might be expected to work on AI-driven companies in cybersecurity, mental health, urbanization, or improving ed-tech, Yau isn’t shy about the fact that both he and Laurendi were aways more interested in starting a consumer company. Indeed, though they once worked on a parking app at a school hackathon, it was during a two-semester-long course in wine studies at neighboring Boston University to satisfy Yau’s burgeoning interest in wine that Bright Cellars was born. Says Yau, “We just realized that not a lot of people have time to take two semesters to learn enough about wine to feel like they understand it. We wanted to find an easier and more accessible way for people to get comfortable” with what they’re ordering.

Certainly, the market they’re looking to disrupt is a sizable one. According to data compiled by ShipCompliant/Sovos, which gathers data for the wine community each year, consumers spent roughly $3 billion on wine delivered to their doorsteps last year. Meanwhile, direct-to-consumer wine shipments jumped 9 percent between 2017 and 2018 to 6.3 million cases.

The outfit says that one minor challenge to that growth are new, urban tasting rooms. It says a bigger change to which the industry is still adjusting is the growing number of customers who demand a more personalized experience.

Right now, it seems unlikely that the broader industry has actual personalized wine in mind. If Bright Cellars takes off, that might change.


Source: TechCrunch

Omidyar Network spins out its fintech investment arm as Flourish, with up to $300 million

After 12 years spent investing in impact-oriented financial services startups around the globe, the Omidyar Network, which serves as the family investment office for eBay founder Pierre Omidyar, is spinning off its financial inclusion investment arm as Flourish Ventures.

Equipped with up to $300 million in capital for operations and investments, the new Flourish will continue to invest around the Network’s core mission of backing companies with a dual focus of making a social impact and achieving quality financial returns.

Already, the new firm is one of the most active financial services investors globally, according to a report from FT Partners.

This double-bottom line approach has already yielded results for the company.

“After 10 or 12 years with people becoming more broadly interested in the impact investment space, we had an opportunity to reinvent ourselves,” says Tilman Ehrbeck, a managing partner at the newly independent Flourish.

Flourish is actually the third spin-out from Omidyar Network’s investment and philanthropic arms. Two years ago, Omidyar spun out its U.S. emerging technology initiative as Spero, and last year launched a governance and citizen engagement-focused group called Luminate.

Now the organization, financed by Pam and Pierre Omidyar, will launch Flourish as the latest independent entity.

“We feel that we are the right team at the right place at the right time,” says Ehrbeck.

Flourish, he says, is launching into a financial services environment that looks far different than it did when the Omidyar Network first identified financial services and inclusion as a focus area for its operations.

In the wake of the global financial crisis, financial services organizations indicated that they could not, or would not, deliver necessary access to consumers and small businesses. There was an erosion of trust, says Ehrbeck, and against a backdrop of stagnating wages and the changing nature of work, low and middle-income consumers and would-be entrepreneurs in emerging and established financial markets need all the help they can get.

Indeed, an entire generation of entrepreneur is leveraging a slew of technologies, from blockchain to the platforms that Omidyar Network has helped create through its earliest investments in the market.

That includes companies like Lenddo, an online lender using alternative sources of social media data to determine the creditworthiness of applicants raised its first institutional capital in 2012 with capital from investors, including the Omidyar Network. That investment and the company’s subsequent merger with another Omidyar Network company, EFL, is indicative of the formative role that Omidyar — and now Flourish — can play in the growth of a business.

We knew each other for three years. As we were looking to identify and scale we started to look at where there synergistic opportunities between smaller companies and could we put something together that would allow us to grow,” says Lenddo chief executive Richard Eldridge. 

That scaling has paid off in Lenddo’s expansion into more markets and a more robust product offering.

Stories like those repeat across the Flourish portfolio of companies, and speak to the kind of value the company provides to portfolio companies, said Eldridge.

Indeed, Flourish’s global portfolio holds at least 40 fintech companies helping low and middle-income households and small businesses. From challenger banks like Chime, Aspiration, Neon, Albo and Tez; to insurance technology companies like MicroEnsure and Kin; and asset optimization tools, including United Income and Scripbox.

Given the explosion of interest in financial services offerings across challenger banks and through insurance technology offerings, Ehrbeck said it was a no-brainer for the company to spin out, focus and potentially expand.

With the spin-off, Flourish is taking the existent $200 million portfolio the team had built at Omidyar and expanding that with the additional capital commitment from the Omidyar Group.

The firm is also starting to realize its first exits. The firm realized a 3x return on its investment in Asian Networks and has had another exit in the sale of Ruma to Go-Jek.

“It’s a carve out of a successful team that has momentum and that Pierre wants to double down on,” Ehrbeck says. “What’s carved out is the existing portfolio and a commitment to fund the next wave. The reason the number has a flexibility. Pierre gives us the capital we think we can deploy against opportunity.”

Flourish will do more than commit capital to financial services startups. It also has the opportunity to provide grants and encourage research around financial inclusion.

Some recent work from the firm included the financing of a study of 240 households called the U.S. Financial Diaries, which provided hard data around the illness that pervades a large swath of the U.S. population.

Investments from Flourish will fall into similar buckets as the firm’s previous operations under the umbrella of the Omidyar Network. Including alternative credit, challenger banks, insurance technologies and low-cost digital infrastructures that can level the playing field for financial services providers. 

“We find a gap in the system and try to fill it and improve it,” says Arjuna Costa, another partner on the new Flourish team coming over from Omidyar’s financial services group. 

“We have the impact of companies scaling and reaching and serving people and led to replicators and competitors and widespread adoption,” Costa says.

Lenddo and its credit-scoring business is a perfect example of the trend, according to Costa.

We started investing behind a number of companies that were coming up with using nontraditional data sets to try and score people,” he said. “We picked different data sets… we invested in the pioneering company using mobile payment data, the pioneering company using social media data, and the pioneering company using psychometric data.”

As those companies gained traction and new customers, proving the market demand, Omidyar’s investments could scale to higher value offerings around financial services.

“Initially talking about those deals other people in the industry looked at us and said that you’re nuts. And now it’s become the table stakes if you’re getting into lending,” Costa says. “After building this digital infrastructure to enable credit… now there’s version two and version three of the infrastructure that’s coming up.”

Those higher value services are things like the agricultural lending business Rose Goslinga has launched for farmers in Africa.

“We bootstrapped our business for the first two years. They were the largest investor in our seed round,” Goslinga says of the Flourish commitment to her company, Pula Advisors

“Omidyar is extremely well-known in the financial inclusion space. They had the first investment in micro-insurance 10 or 15 years ago. They are really seen as the blue chip of financial or insurtech investors,” Goslinga said. 

With their investment, it validated Goslinga’s attempt to provide credit and working capital loans to small farmers.

“We had quite a number of clients at that point but we didn’t have any kind of institutional or financial investors at that point,” Goslinga says. “It was a stamp of approval for a lot of people later in.”

In mature markets like the U.S., Flourish’s approach is bit more nuanced, to serve a market with significant inefficiencies and baseline inequality, but one where the disparities manifest in different ways.

That’s why Flourish has gravitated toward businesses like Aspiration, which helps people bank more ethically — promoting sustainable investment portfolios and offering pay-your-own-fee for services; and Propel, which helps American consumers manage their public assistance benefits.

“At the highest level we look at the same criteria, we care about financial health and technology to promote financial health,” says Emmalyn Shaw, a partner managing the firm’s U.S. portfolio. “The U.S. as a more mature market tends to be a lot more competitive.”


Source: TechCrunch

Jeopardy's Alex Trebek reveals pancreatic cancer battle on Twitter – CNET

“I’m gonna fight this,” Trebek says.
Source: CNET

Facebook, Twitter: We spot trolls based on how they act, not their posts – CNET

Representatives from the companies join security experts in a discussion at the RSA Conference.
Source: CNET

President Trump refers to Tim Cook as 'Tim Apple' – CNET

President apparently thinks the CEO is the company.
Source: CNET

Galaxy S10E is off to a strong start. Here's what's good and…less good – CNET

Samsung want to make the $750 Galaxy S10E its value phone.
Source: CNET

Galaxy S10, S10 Plus teardowns show they're built to take the heat – CNET

And hope that ultrasonic fingerprint sensor doesn’t fail.
Source: CNET

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