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Archivo del Autor: Belen De Leon

The best home espresso machines for sale right now – CNET

Looking for a home espresso machine in 2019? The Breville Barista Express is still the best deal.
Source: CNET

CNET Asks: How do you choose the right dashcam? – CNET

Dashcams are more popular than ever and we want to know how you decide which one to purchase.
Source: CNET

A Mysterious Hacker Group Is On a Supply Chain Hijacking Spree

A group of likely Chinese hackers has poisoned the software of seven companies in just the last three years.
Source: Wired

Asto, the bookkeeping app from Santander, adds invoice financing for freelancers and SMEs

Asto, the Santander owned “upstart” developing financial tools for freelancers and SMEs, is adding invoice financing to its bookkeeping app.

The new offering, which potentially opens up so-called “micro-financing” to a much broader business market, comes hot on the heels of Santander Group acquiring Albert, an invoicing and expenses app for freelancers and micro-businesses. Albert’s functionality has now been integrated into Asto, with Albert co-founder Ivo Weevers becoming Asto’s Chief Product and Design Officer.

In a call, Weevers described Asto’s mission as wanting to create a “full-stack of financial services for self-employed people [and other micro businesses]. Financial services for SMEs is a “huge, fast-growing market,” he says, adding that Asto is innovating on the bookkeeping side, [while] other players on the market are working on the bank account side”.

“A lot of people are struggling with trying to understand and get access to finances that might help them in growing their business or overcoming certain periods of their business where extra cash would be really handy,” he tells me.

“What we’re doing now is providing a comprehensive solution where we help people with their daily tasks around bookkeeping and understanding where they are financially, but also connecting dots seamlessly with a financial solution. This is what this new micro-financing solution is all about”.

In a demo I’m given of the new invoice financing feature, it all feels relatively painless. After signing up to Asto and applying for the micro-finance option, you’re given an estimated pot of credit from which to drawn down on per invoice financed.

Invoices can be issued simply within the mobile app (or uploaded to it), which in itself is quite a time saver. Anyone who freelances knows that writing invoices and tracking them is a pain. Even more so is waiting to be paid.

Next to each invoice is a finance button. Clicking on it initiates the micro loan, with clear signposting on how much you’ll need to pay back and when. The timeframe is based on the payment terms of your issued invoice with a bit of extra leeway if needed.

“Micro-financing used to be accessible only for the larger SMEs, people with financial knowledge and have the time to go into a branch and talk to an account manager and wait for a few weeks to get a decision,” explains Weevers.

“One of the innovate steps we are trying to do here is we are making this option available for the smaller end of the SME market, which is by far the biggest and by far the most unserved. By doing it on mobile, which is their favourite device, and also doing it in a matter of minutes rather than having to wait for weeks,” he adds.

Meanwhile, I’m told that the credit itself is provided by Asto via owner Santander. Noteworthy, the invoice financing feature doesn’t for the time being use transaction data pulled in from bank accounts you have linked to the app. Instead, Asto is using a range of other data points and info you provide when first applying for the micro-financing option.


Source: TechCrunch

WorldCover raises $6M round for emerging markets climate insurance

WorldCover, a New York and Africa-based climate insurance provider to smallholder farmers, has raised a $6 million Series A round led by MS&AD Ventures.

Y-Combinator, Western Technology Investment, and EchoVC also participated in the round.

WorldCover’s platform uses satellite imagery, on-ground sensors, mobile phones, and data analytics to create insurance options for farmers whose crops yields are affected adversely by weather events—primarily lack of rain.

The startup currently operates in Ghana, Uganda, and Kenya . With the new funding WorldCover aims to expand its insurance offerings to more emerging market countries.

“We’re looking at India, Mexico, Brazil, Indonesia. India could be first on an 18 month timeline for a launch,” WorldCover co-founder and chief executive Chris Sheehan said in an interview.

The company has served over 30,000 farmers across its Africa operations. Smallholder farmers as those earning all or nearly all of their income from agriculture, farming on 10 to 20 acres of land, and earning around $500 to $5000, according to Sheehan.

Farmer’s connect to WorldCover by creating an account on its USSD mobile app. From there they can input their region, crop type, determine how much insurance they would like to buy and use mobile money to purchase a plan. WorldCover works with payments providers such as M-Pesa in Kenya and MTN Mobile Money in Ghana.

The service works on a sliding scale, where a customer can receive anywhere from 5x to 15x the amount of premium they have paid.  If there is an adverse weather event, namely lack of rain, the farmer can file claim via mobile phone. WorldCover then uses its data-analytics metrics to assess it, and if approved, the farmer will receive an insurance payment via mobile-money.

Common crops farmed by WorldCover clients include maize, rice, and peanuts. It looks to add coffee, cocoa, and cashews to its coverage list.

For the moment, WorldCover only insures for events such as rainfall risk, but in the future it will look to include other weather events, such as tropical storms, in its insurance programs and platform data-analytics.

The startup’s founder clarified that WorldCover’s model does not assess or provide insurance payouts specifically for climate change, though it does directly connect to the company’s business.

“We insure for adverse weather events that we believe climate change factors are exacerbating,” Sheehan explained. WorldCover also resells the risk of its policy-holders to global reinsurers, such as Swiss Re and Nephila.

On the potential market size for WordCover’s business, he highlights a 2018 Lloyd’s study that identified $163 billion of assets at risk, including agriculture, in emerging markets from negative, climate change related events.

“That’s what WorldCover wants to go after…These are the kind of micro-systemic risks we think we can model and then create a micro product for a smallholder farmer that they can understand and will give them protection,” he said.

With the round, the startup will look to possibilities to update its platform to offer farming advice to smallholder farmers, in addition to insurance coverage.

WorldCover investor and EchoVC founder Eghosa Omoigui believes the startup’s insurance offerings can actually help farmers improve yield. “Weather-risk drives a lot of decisions with these farmers on what to plant, when to plant, and how much to plant,” he said. “With the crop insurance option, the farmer says, ‘Instead of one hector, I can now plant two or three, because I’m covered.”

Insurance technologyis another sector in Africa’s tech landscape filling up with venture-backed startups. Other insurance startups focusing on agriculture include Accion Venture Lab backed Pula and South Africa based Mobbisurance.

With its new round and plans for global expansion, WorldCover joins a growing list of startups that have developed business models in Africa before raising rounds toward entering new markets abroad.

In 2018, Nigerian payment startup Paga announced plans to move into Asia and Latin America after raising $10 million. In 2019, South African tech-transit startup FlexClub partnered with Uber Mexico after a seed-raise. And Lagos based fintech startup TeamAPT announced in Q1 it was looking to expand globally after a $5 million Series A round.

 

 


Source: TechCrunch

That Game of Thrones: Conquest mobile game has made over $200M – CNET

You’ve probably seen ads for it on YouTube or social media.
Source: CNET

Palantir’s software was used for deportations, documents show

Data mining firm Palantir’s software was used by a US government agency during an operation in 2017 in which immigrants crossing the border were arrested for deportation, newly released documents (PDF) have shown, contradicting the $20 billion firm’s earlier public statements.

The Immigration and Customs Enforcement documents, obtained by advocacy organization Mijente through Freedom of Information Act litigation, notes that agents of ICE’s Enforcement and Removal Operations used Palantir’s software to build profiles of immigrant children and their family members for the prosecution and arrest of any undocumented person they encountered in their investigation.

When an ICE investigation agent located an unaccompanied minor, the documents reveal, they were instructed to log the “arrival in the Investigative Case Management (ICM) system.” ICM is a software platform developed by Palantir for “managing and investigating complex cases,” according to a description on the company’s website.

The findings of Palantir’s involvement, first reported by The Intercept, is in contrast to the Silicon Valley firm’s previous claims. The firm told The New York Times last year that it only works with ICE’s Homeland Security Investigations (HSI) division, which is responsible for cross-border criminal investigations.

“The other major directorate, Enforcement and Removal Operations, or E.R.O., is responsible for interior civil immigration enforcement, including deportation and detention of undocumented immigrants. We do not work for E.R.O,” a spokesperson was quoted as saying.

TechCrunch has reached out to Palantir for additional comment.

Mijente, which had separately reported last year that Palantir was among the handful of firms working with ICE, urged the Silicon Valley company to drop its contract with ICE and called on the firm’s investors to not invest in a company that “played a key role in family separation.”

The findings this week further underscore the vast tentacles of billionaire Peter Thiel’s data mining company’s surveillance and reach. “Palantir, a software firm headquartered in Palo Alto, California, has a history of government contracts involving military, intelligence, and law enforcement agencies.

The firm was founded by Thiel, the PayPal co-creator-turned-investor who is one of President Trump’s most vocal supporters in Silicon Valley. It develops software that helps agents analyze massive amounts of personal data — phone numbers, addresses, financial information, social media profiles — and build profiles for prosecution and arrest,” Mijente said.

And it comes at a time when a growing number of tech giants are facing backlash from their employees and other citizens alike over their tech being used by the government for questionable objectives.


Source: TechCrunch

YouTube will let you watch Cobra Kai free this year – CNET

Firming up a plan it disclosed last year, the video site is bringing YouTube originals like Cobra Kai out from behind the paywall.
Source: CNET

Endgame: Soldier arrested after he goes AWOL to watch Avengers flick – CNET

Some things are just worth risking it all for.
Source: CNET

Thanos vs. Game of Thrones Night King: Here's who would win in a fight – CNET

Thanos’ snap from Avengers: Infinity War wouldn’t have any effect on the Night King.
Source: CNET

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