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Archivo del Autor: Belen De Leon

Everything Amazon Announced: Echo Buds, Echo Frames, Echo Loop

The company just debuted over a dozen new products, including wirefree earbuds and Alexa-powered smart glasses.
Source: Wired

Amazon debuts new $100 Eero mesh router with Alexa voice controls

During Amazon’s major hardware event, the company announced it’s first Eero router with Alexa voice controls, months after Amazon purchased the company.
Source: Digital trends

The FDA Tells Congress E-Cigarettes Are Unsafe—and Illegal

At a hearing, politicians spar over vaping’s lax enforcement, while Juul and other e-cigarette makers face a growing backlash.
Source: Wired

How Trump’s Ukraine Mess Entangled CrowdStrike

A US cybersecurity company became a topic of interest for President Donald Trump in his call with Ukraine’s Volodymyr Zelensky.
Source: Wired

Kreditech, the AI-based near-prime loans platform, nabs $22M under new CEO to expand globally

Cash advances (or simply, loans) continue to be a lucrative area for startups to tackle. By leveraging new AI-based tools to evaluate potential customers, the network effect of the internet and the quick efficiency of digital money transfer, they’re taking on incumbent banks to disrupt a consumer lending market estimated to be worth some $284 billion in 2018 and around $300 billion this year.

Today, one of the earlier players in the space that specifically targets emerging economies is announcing a round of funding to expand its business: Kreditech, the Hamburg, Germany-based provider of loans and point-of-sale financing to near-prime borrowers in countries that include Poland, Spain, Russia and India, has picked up €20 million ($22 million).

The funding is being led by Russian VC Runa Capital, with participation also from an unnamed German private investor, and previous investors HPE Growth and Amadeus Capital Partners, along with unnamed fintech angels. Valuation is not being disclosed, but as a point of reference Kreditech was valued at around €500 million in its last fundraise. Other investors in the company include Peter Thiel, Rakuten and the IFC.

This is an equity round that it will be using to continue building its business specifically in the latter of those four countries — doubling down on the fact that India is not only one of the world’s biggest economies, but one of the fastest-growing, too. It’s also a country where Kreditech has been working to build its business for years at this point: its last big funding round before this was in 2017, when Naspers’ PayU invested €110 million in the company as part of a strategic partnership to offer Kreditech financing in India.

Kreditech was founded originally around the idea of using AI to make better assessments of potential borrowers in developing economies (and manage the underwriting using that data and automation), the idea being to target those who have little or no credit history behind them. The company started to shift this strategy in 2017 to concentrate instead on “near prime” borrowers — those who may have a credit history, but not a particularly good one.

It’s a strategy it has continued to pursue under newish CEO David Chan (he joined in 2018 as part of a larger management overhaul and comes with a pretty impressive background with executive roles at Barclay’s consumer division, Citigroup and American Express). The company now projects that it will be clearing €1 billion in revenues by 2025 (so, roughly in the next five years) following this strategy. It will only be disclosing its current turnover and other financials next month.

Today’s funding round is not the biggest you will see in fintech, a capital-intensive business that regularly sees rounds in the hundreds of millions (or even in the multiple billions of dollars) to help startups in their expansion efforts. But it also comes after a relatively cool period for fintech funding, where the very biggest acquisitions — such as Alibaba yesterday reupping its stake in Ant Financial by 33 percentage points — have been closures of deals that actually first materialised a year ago.

With that backdrop, the company has been somewhat under the radar in the last couple of years, but appears now to be lifting its head again above the parapet.

“We are on track to realize our vision, which is to be one of the leading technology-enabled consumer-lending companies; a fintech platform of choice for both individuals and POS and e-commerce partners. With a new strategy in place, a solid capital base and our highly motivated and experienced team, we are perfectly positioned to achieve our goals�, says David Chan, Kreditech CEO, in a statement.

“I am really excited about our growth plans in India,” he continued. “We hold a first-of-its-kind digital NBFC (non-banking financial company) license in a large and fast-growing market. We have been successful in finding our niche and have established the right proof of concept. Now it’s time to scale up while a key target customer segment remains unaddressed by the competition.”

Runa’s involvement is a sign that we will see Kreditech also active in Russia and other Eastern European markets, is my guess.

“We are excited to be partnering with Kreditech as it continues on its path to becoming a global leader in digital near-prime lending. We believe that access to credit will continue to be improved through innovation and we see Kreditech as the emerging leader in this space, especially considering its presence in multiple fast-growing markets around the world,â€� said Andre Bliznyuk, General Partner at Runa Capital, in a statement.

“We are keen to support Kreditech,” Tim van Delden, co-founder of HPE Growth, added in a statement. “We have great trust in the new management team that Kreditech put in place in 2018. Kreditech’s track record over the last eighteen months, together with its business focus, strategy refinement and path to profitability has been truly impressive. For these reasons, HPE is convinced that Kreditech has the right management team to scale the business into the near-prime market. Kreditech’s core pillars of success remain the same – it is a technology and data-driven company that is able to use machine learning scoring models to make credit decisions in real time and with greater accuracy.â€�


Source: TechCrunch

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

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