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Archivo del Autor: Belen De Leon

Self-Driving Trucks Are Ready to Do Business in Texas

Kodiak Robotics will begin commercial service between Dallas and Houston, though a host of other self-driving startups have already been testing in the state.
Source: Wired

How to Reduce Gun Violence: Ask Some Scientists

Researchers have clear policy suggestions on how to see fewer gun deaths. They’d have many more, if they weren’t starved for funding and data.
Source: Wired

Equifax settlement: How much time you have to file your Equifax claim – CNET

And if you’ve already submitted a claim as part of the data breach settlement, you have time to switch your request.
Source: CNET

Female Marvel superheroes who deserve their own ABC shows: She-Hulk, Valkyrie and more – CNET

ABC is in talks to bring a “mostly brand new” Marvel female superhero to the network. These are the super-powered ladies we think deserve their own series.
Source: CNET

Apple rolls out Apple Card Preview to select users

Apple Card is getting its first group of public test users today. A limited amount of customers that signed up to be notified about the release of Apple Card are getting the ability to apply for the card in their Wallet app today — as well as the option to order their physical Apple Card.

I’ve been using the card for a few days on my own device, making purchases and payments and playing around with features like Apple Cash rewards and transaction categorization.

A full rollout of Apple Card will come later in August. It requires iOS 12.4 and up to operate.

The application process was simple for me. Portions of the information you need are pre-filled from your existing AppleID account, making for less manual entry. I had an answer in under a minute and was ready to make my first purchase instantly. I used it both online and in person with contactless terminals.

It…works.

The card on the screen has a clever mechanism that gives you a sort of live heat map of your spending categories. The color of the card will shift and blend according to the kinds of things you buy. Spend a lot at restaurants and the card will take on an orange hue. Shop for entertainment related items and the card shifts into a mix of orange and pink. It’s a clever take on the chart based spending category features many other credit cards have built into their websites.

IMG 0676

As many have pointed out, if you’re the kind of person that maximizes your points on current cards towards super specific rewards, like travel miles, the rewards system of Apple Card will not feel all that impressive. This is by design. Apple’s aim on this initial offering was to provide the most representational and easy to understand reward metric, rather than to provide top of category points returns.

But it also means that this may not be the card for you if you’re a big travel points maximizer.

I am a points person, and I carry several cards with differing rewards returns and point values depending on what I’m trying to accomplish. Leveraging these cards has allowed me to secure upgrades to higher classes, first class flights for family members and more due to how much I travel. Getting to this point, though, required a crash course in points values, programs and a tight grip on what cards to use when. Shout out to TPG.

IMG 0677

You will not be able to leverage Apple’s card in this way as a frequent traveler. Instead, Apple decided on a (by comparison) transparent rewards methodology: cash back based on a percentage of your purchases in 3 categories.

Those categories are 3% on all purchases from Apple Stores, the App Store and Apple subscriptions, 2% daily cash on any Apple Pay purchase and 1% with the physical card either online or offline.

The cash rewards are delivered daily, and made available to you very quickly on your Apple Cash card balance. Usually in less than a day. You can then do an instant transfer to your bank for a maximum $10 fee or a 1-3 day transfer for free. This cashout is faster than just about any other cash back program out there and certainly way faster cash reward tallying than anyone else. And Apple makes no effort to funnel you into a pure statement credit version of cash back, like many other cards do. The cash becomes cash pretty instantly.

I could easily see the bar Apple sets here — daily rewards tallies and instant cashouts — becoming industry standard.

The card interface itself is multiples better to use than most card apps, with the new Amex apps probably coming the closest. But even those aren’t system level, requiring no additional usernames and passwords. Apple Card has a distinct advantage there, one that Apple I’m sure hopes to use to the fullest. This is highlighted by the fact that the Apple Card application option is present on the screen any time you add a new credit card or debit card to Apple Pay now. Top of mind.

The spending categories and clear transaction names (with logos in many cases) are a very welcome addition to a credit card interface. The vast majority of time with even the best credit card dashboards you are presented with super crappy list of junk that includes a transaction identifier and a mangled vendor ID that could or could not map directly to the name of the actual merchant you purchased from. It makes deciphering what a specific transaction was for way harder then it should be. Apple Card parses these by vendor name, website name and then whatever it can parse on its own before it defaults back to the raw identifier. Way easier.

IMG 0681

A note, during the setup process the card will ask you if you want it to be your payment default for everything Apple and will automatically attach to your Apple stuff like App Store and subscription payments. So keep an eye out for that and make a call. You will get 3% cash back on any apps you buy, of course, even if they’re third party.

The payments interface is also unique in that Apple is pushing very hard to help you not pay interest. It makes recommendations on how to pay chunks of your balance over time before you incur interest. It places 1-3 markers on the circle-shaped interface that show you how much you need to pay off minimum, minimum with no interest and in full. These markers are personalized a bit and can vary depending on balance, due date and payment history.

I really dug hard on how Apple Card data was being handled the last time I wrote about the service, so you should read that for more info. Goldman Sachs is the partner for the card but it absolutely cannot use the data it gathers on transactions via Apple Card for market maps, as chunks of anonymized data it can offer partners about spending habits or any of the typical marketing uses credit card processors get up to. Mastercard and Goldman Sachs can only use the data for operations uses. Credit reporting, remittance, etc.

And Apple itself neither collects nor views anything about where you shopped, what you bought or how much you paid.

And, as advertised, there are no fees with Apple Card.

One thing I do hope that Apple Card adds is an ability to see and filter out recurring payments and subscriptions. This fits with the fiscal responsibility theme it’s shooting for with the payments interface and it’s sorely lacking in most first party apps.

Some nice design touches beyond the transaction maps, the color grading that mirrors purchases and the far more readable interface is a pleasant metallic sheen that is activated on device tilt.

My physical card isn’t here yet so I can’t really evaluate that part of it. But it is relatively unique in that it is nearly featureless, with no printed number, expiration, signature or security codes on its surface.

The titanium Apple Card comes in a package with an NFC chip that allows you to simply tap your phone to the envelope to begin the process of activating your card. No phone numbers to call and, heavens forbid, no 1-800 stickers on the surface of the card.

I can say that this is probably the first experience most people will ever have with a virtual credit card number. The physical card has a ‘hard coded’ number that cannot be changed. You never need to know it because it’s only used in in-person transactions. If it ever gets compromised, you can request a new card and freeze the old one in the app.

For online purchases that do not support Apple Pay, you have a virtual card number in the Wallet app. You enter that number just as you would any other card number and it’s automatically added to your Safari auto-fill settings when you sign up for Apple Card.

The advantage to this, of course, is that if it’s ever compromised, you can hit a button to request an entirely new number right from within the app. Notably, this is not a ‘per transaction’ number — it’s a semi-permanent virtual number. You keep it around until you have an issue. But when you do have a problem, you’ve got a new number instantly, which is far superior to having to wait for a new physical card just to continue making online purchases.

Some banks like Bank of America and Citibank already offer virtual options for online purchases, and third party services like Privacy.com also exist. But this is the beginning of the mainstreaming of VCCs. And it’s a good thing.


Source: TechCrunch

Fight Android malware by quitting Google Play and using F-Droid for Android apps – CNET

In the wake of Google’s malware scandals, you can opt for an open-source app store to make your phone more secure.
Source: CNET

The Apple Card Is Now Available. Here Are the Details

A select group of iPhone users are getting early access to Apple’s digital credit card. Everyone else will get it later in August.
Source: Wired

Facebook still full of groups trading fake reviews, says consumer group

Facebook has failed to clean up the brisk trade in fake product reviews taking place on its platform, an investigation by the consumer association Which? has found.

In June both Facebook and eBay were warned by the UK’s Competition and Markets Authority (CMA) they needed to do more to tackle the sale of fake product reviews. On eBay sellers were offering batches of five-star product reviews in exchange for cash, while Facebook’s platform was found hosting multiple groups were members solicited writers of fake reviews in exchange for free products or cash (or both).

A follow-up look at the two platforms by Which? has found a “significant improvement” in the number of eBay listings selling five-star reviews — with the group saying it found just one listing selling five-star reviews after the CMA’s intervention.

But little appears to have been done to prevent Facebook groups trading in fake reviews — with Which? finding dozens of Facebook groups that it said “continue to encourage incentivised reviews on a huge scale”.

Here’s a sample ad we found doing a ten-second search of Facebook groups… (one of a few we saw that specify they’re after US reviewers)

Screenshot 2019 08 06 at 09.53.19

Which? says it found more than 55,000 new posts across just nine Facebook groups trading fake reviews in July, which it said were generating hundreds “or even thousands” of posts per day.

It points out the true figure is likely to be higher because Facebook caps the number of posts it quantifies at 10,000 (and three of the ten groups had hit that ceiling).

Which? also found Facebook groups trading fake reviews that had sharply increased their membership over a 30-day period, adding that it was “disconcertingly easy to find dozens of suspicious-looking groups in minutes”.

We also found a quick search of Facebook’s platform instantly serves a selection of groups soliciting product reviews…

Screenshot 2019 08 06 at 09.51.09

Which? says looked in detail at ten groups (it doesn’t name the groups), all of which contained the word ‘Amazon’ in their group name, finding that all of them had seen their membership rise over a 30-day period — with some seeing big spikes in members.

“One Facebook group tripled its membership over a 30-day period, while another (which was first started in April 2018) saw member numbers double to more than 5,000,” it writes. “One group had more than 10,000 members after 4,300 people joined it in a month — a 75% increase, despite the group existing since April 2017.”

Which? speculates that the surge in Facebook group members could be a direct result of eBay cracking down on fake reviews sellers on its own platform.

“In total, the 10 [Facebook] groups had a staggering 105,669 members on 1 August, compared with a membership of 85,647 just 30 days prior to that — representing an increase of nearly 19%,” it adds.

Across the ten groups it says there were more than 3,500 new posts promoting inventivised reviews in a single day. Which? also notes that Facebook’s algorithm regularly recommended similar groups to those that appeared to be trading in fake reviews — on the ‘suggested for you’ page.

It also says it found admins of groups it joined listing alternative groups to join in case the original is shut down.

Commenting in a statement, Natalie Hitchins, Which?’s head of products and services, said: ‘Our latest findings demonstrate that Facebook has systematically failed to take action while its platform continues to be plagued with fake review groups generating thousands of posts a day.

“It is deeply concerning that the company continues to leave customers exposed to poor-quality or unsafe products boosted by misleading and disingenuous reviews. Facebook must immediately take steps to not only address the groups that are reported to it, but also proactively identify and shut down other groups, and put measures in place to prevent more from appearing in the future.”

“The CMA must now consider enforcement action to ensure that more is being done to protect people from being misled online. Which? will be monitoring the situation closely and piling on the pressure to banish these fake review groups,” she added.

Responding to Which?‘s findings in a statement, CMA senior director George Lusty said: “It is unacceptable that Facebook groups promoting fake reviews seem to be reappearing. Facebook must take effective steps to deal with this problem by quickly removing the material and stop it from resurfacing.”

“This is just the start – we’ll be doing more to tackle fake and misleading online reviews,” he added. “Lots of us rely on reviews when shopping online to decide what to buy. It is important that people are able to trust they are genuine, rather than something someone has been paid to write.â€�

In a statement Facebook claimed it has removed 9 out of ten of the groups Which? reported to it and claimed to be “investigating the remaining group”.

“We don’t allow people to use Facebook to facilitate or encourage false reviews,” it added. “We continue to improve our tools to proactively prevent this kind of abuse, including investing in technology and increasing the size of our safety and security team to 30,000.”


Source: TechCrunch

Apply to be a TC Top Pick at Disrupt Berlin 2019

It’s official — applications are now open for TC Top Picks at Disrupt Berlin 2019, which takes place on 11-12 December. This pre-conference competition is your chance to experience Disrupt Berlin VIP-style and exhibit your early-stage startup to some of the world’s most influential tech leaders, investors and media outlets across Europe, Asia and beyond — for free. Das ist gut, ja?

Apply here to be a TC Top Pick.

Here’s how it all works. TechCrunch editors — a picky bunch with an eye for exceptional startups — will closely review every qualified application. Then they’ll select up to five startups in each of these categories: AI/Machine Learning, Biotech/Healthtech, Blockchain, Fintech, Mobility, Privacy/Security, Retail/E-commerce, Robotics/IoT/Hardware, CRM/Enterprise and Education.

What sort of startups catch our eye? Great question. Take a look at the TC Top Picks Disrupt Berlin 2018.

If you’re one of the chosen few, you’ll win a free Startup Alley Exhibitor Package. In addition to one exhibit day, the package includes three Founder passes, access to the full conference and all programming across four stages, including Startup Battlefield, our epic pitch competition with a $50,000 prize. You’ll also receive invitations to VIP events, like the investor reception. We’re talking top-tier investors and global press.

Top Picks enjoy a prime location in Startup Alley, and you’ll be well-positioned for the thousands of attendees looking for investments, collaborators, providers or the next big thing. Plus, each Top Pick founder will be interviewed by a TechCrunch editor on the Showcase Stage, and we’ll edit and promote that video interview across our social media platforms. That’s a marketing gift that keeps on giving.

Here’s yet another perk. All companies exhibiting in Startup Alley — including Top Picks — become eligible for a Wild Card spot in the Startup Battlefield. Who knows, it might be you.

Disrupt Berlin 2019 takes place on 11-12 December, and it draws participants from more than 50 countries. There’s no better place to introduce your pre-Series A startup to the international startup community. And there’s no easier, or more affordable, way to do it than as a TC Top Pick. Apply today. Das ist gut, ja?

Is your company interested in sponsoring or exhibiting at Disrupt Berlin 2019? Contact our sponsorship sales team by filling out this form.


Source: TechCrunch

Spaceflow, the ‘tenant experience platform’, scores $1.8M investment

Spaceflow, a startup founded out of Prague that offers a “tenant experience platform” to help landlords provide a better service, has raised $1.8 million in funding.

Leading the round is Credo Ventures, with participation from Day One Capital, and UP21. The company, which also has an office in Sillicon Valley, says it will use the new capital to hire additional members of its product development team, and to meet its U.S. and U.K. growth goals.

Describing itself as a “plug & play” tenant experience and community engagement platform sold to landlords and operators of co-living spaces, the Spaceflow mobile app connects space users to amenities, services, and “community life”.

The claimed upside is that by enabling landlords and building operators to offer a “space-as-a-service” to tenants and guests, the startup helps improve tenant satisfaction and, in turn, attract and retain good tenants in order to increase profits.

“Once you download the Spaceflow app as an occupant, you can locate your building via QR code/GPS (in most cases the profile is not public so there is also an access code),” explains Spaceflow co-founder and CEO Lukas Balik. “Once you reach the building profile, most of the content is tailored specifically to the building”.

Balik says the Spaceflow app is akin to a “remote control” for your building so that you have access to bookings and reservations for common spaces, bikes, and parking etc. There’s also a “digital concierge” aspect for things like dry cleaning, room cleaning, food delivery, or local yoga classes.

In addition, the news feed provides the latest updates from the property owner. The app houses a reporting tool for maintenance and other issues too, and an online community for the building.

“Every landlord gets an access to the admin console where they can set up their whole portfolio,” adds Balik. “Also every client gets an on-boarding session with one of our community managers and our subscription plans offer three different plans based on the level of ongoing support”.

Since being founded in 2016, Spaceflow says it currently operates in 9 country markets, with a footprint on both sides of the pond.


Source: TechCrunch

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