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Archivo del Autor: Belen De Leon

India’s Open ‘neo-bank’ raises $30 million to help businesses automate their finances

Open, a Bangalore-based startup that operates a “neo-bank� to help businesses automate and run their finances, has bagged $30 million in a new funding round as investors look to replicate a globally tried and tested business idea in emerging markets.

The Series B financing round for the two-year-old startup was led by Tiger Global with Tanglin Venture Partners Advisors and existing investors 3one4 Capital, Speedinvest, BetterCapital AngelList Syndicate also participating in it. The new round valued Open at $150 million, a person familiar with the matter said. The startup has raised about $37 million to date.

Open operates as a neo-bank that offers nearly all the features of the bank with additional tools to serve the needs of a business. Millions of small and medium sized businesses in India struggle with maintaining multiple bank accounts, bookkeeping of their daily spending, and bandying out payments to employees.

Open offers them a platform that automates much of this task. It lets them keep track of each transaction — who it came from, where it is going, and what sales it made across accounts.

“We have a small business owner from Ahmedabad on our platform. They see 59 transactions from their customers in its bank account every few hours. Prior to using our service, they were juggling all day to figure out where these transactions originated from or went to,� he explained. “Because on their bank statement, they only see one-line description of a transaction’s detail.�

Traditional banks have either not addressed these small needs, or charge huge amount for their own solutions that is not feasible for a small business, he added.

The startup says it already has over 100,000 customers, with as many as 20,000 coming onboard each month of late. It processes about $5 billion in transactions each year.

In an interview with TechCrunch, Anish Achuthan, founder and CEO of Open, said the startup saw an opportunity to serve the businesses and wanted to open a better bank. “But building a bank in India comes with its own set of regulatory challenges, so we looked at what fintech startups were doing in other parts of the world for inspiration,� he said.

And it found that inspiration quickly enough. One of its early investors is Speedinvest, which has funded Tide and N26 ‘neo-banks’ in European markets. In India, Open has partnered with ICICI Bank, one of the biggest banks in the nation, for creation of accounts. On ICICI Bank’s internet banking website, Open has integrated its tools including a payment gateway, Achuthan explained.

Achuthan said the startup, which employs 85 people currently, will use the fresh capital to significantly expand its business — build more products, hire more people, and sign up more customers. Open will soon also launch Open+ card, a business credit card with a 30-day interest-free credit line for venture backed startups, and Layer, a programmable bank account for developers. In the next one year, the startup aims to grow its customer base to 1 million.

Open raised its Series A of $5 million earlier this year. When asked if it’s a very capital intensive business, Achuthan said they needed the money to get a first-mover advantage. The startup was in talks with another investor to raise an additional $20 million, but Achuthan said they did not need that much money at this stage.

Open today competes with a handful of startups including InstantPay, but Achuthan said much of the market remains untapped.


Source: TechCrunch

5G phones are here: Galaxy S10 5G, OnePlus 7 Pro 5G, LG V50, Moto Z4 and more – CNET

The 5G revolution is rolling out now. Here are the super-fast 5G devices that are available now or coming soon.
Source: CNET

5G phones you can buy right now video – CNET

These are the 5G-ready phones you need to take advantage of new 5G networks
Source: CNET

We found these 11 hidden features in iOS 13 – CNET

Apple’s new software for iPhones this fall has some great new tools.
Source: CNET

A Device to Detect 'Aggression' in Schools Often Misfires

Screams by high schoolers didn’t trigger the detector, but some coughs did. So did cheers for pizza.
Source: Wired

Indonesia’s KoinWorks raises $12 million to grow its P2P SME lending platform

KoinWorks, an Indonesian startup that helps small and medium-sized businesses secure financial services through its online peer-to-peer platform, has raised $16.5 million SGD ($12 million USD) in a new funding round as money continues to flow in what has become a hot space for investors.

The Series B round for the three-year-old startup was led by EV Growth and Quona Capital . Existing investors — Mandiri Capital Indonesia, Convergence Ventures, Gunung Sewu, Beeblebrox and Quona Capital — also participated in the round, the startup said in a statement. The new round means KoinWorks has raised more than $28.5 million to date.

SMEs have historically struggled with securing loan and other financial services from banks — creating a big opportunity for middlemen lending platforms. KoinWorks operates an online platform that uses machine learning to provide low interest loans to these small and medium sized enterprises. It identifies the businesses that are eligible to make the return eventually and connects them with lenders.

The platform has amassed more than 300,000 users, it claimed. More than 60% of the lenders are millennials and for 70%, it is their first time investment. Willy Arifin, a founder and CEO of KoinWorks said the startup aims to “democratize finance in Indonesia while fostering financial inclusion.�

Surprisingly, KoinWorks raised a bigger amount — $16.5 million (USD) in its Series A round in the second half of last year. Arifin insisted that the round was intentionally oversubscribed, suggesting that the existing shareholders of the startup were unwilling to overly dilute their stake. The new round “does not reflect the true appetite of investors in KoinWorks,â€� he added.

KoinWorks competes with a number of local startups including Akseleran, Investree, Reksadana, Amartha, and Modalku. It also fights with Funding Societies, which received $25 million last year to expand its business in several Southeast Asian markets. Soon, it will have a new competitor in Validus Capital, which raised $15 million earlier this year and announced its plan to enter Indonesia this quarter.

The new round comes at a time when Indonesia is pushing strict regulatory changes for peer-to-peer lending businesses in an attempt to ensure that the chaos in China does not seep into Indonesia.


Source: TechCrunch

BMW says its running ahead of its electrification goals

At its NEXTGen event in Munich, BMW today announced that it is running ahead of schedule in its efforts to offer at least 25 electrified vehicles. Previously, the German luxury car manufacturer was shooting for 2025, but it now says that it will offer these 25 vehicles by 2023.

As BMW’s Klaus Fröhlich stressed at a press event ahead of today’s announcement, BMW will continue to offer a full range of vehicles that span from fully-electric to hybrids and standard combustion-engine powered cars for the foreseeable future. More than half of the 25 vehicles the company is talking about today, though, will be fully electric.

“We are moving up a gear in the transformation towards sustainable mobility, thereby making our company fit for the future: Over the past two years, we have consistently taken numerous decisions that we are now bringing to the roads,” said BMW CEO Harald Krüger. “By 2021, we will have doubled our sales of electrified vehicles compared with 2019.”

The company expects that its electrified car sales will continue to grow by more than 30 percent per year up to 2025. Indeed, it expects to have sold more than half a billion fully-electric or plug-in hybrids by the end of 2019. That’s a tough goal to achieve, Krüger admitted. He also noted that BMW plans to power all of its plants with renewable energy from next year onward.

Right now, that number is definitely driven by sales of the somewhat quirky i3, with 150,000 on the roads today. Then, over the course of the next few years, the i3 will be joined by a fully-electric Mini, iX3, and then the i4 and iNext.

By 2020, all of these plug-in hybrids will also feature a new tool that will make driving them in cities that ban combustion engines from their city centers: BMW eDrive Zones. This feature, which is a first for car manufacturers, will automatically detect when you enter a zone where only electric vehicles are allowed and then switch to running on batteries until you leave. The company is already testing this in the Dutch city of Rotterdam and plans to roll it out to the X5 and 3-series first.

In the BMW app, the company will also allow its customers to collect ‘BMW points” in its mobile app, which they can earn by using their hybrid car’s electric mode. With this, the company is essentially gamifying electric driving (and the charging that goes with that). Drivers can then use these points for charging credits from ChargeNow and, in the future, get credits for ParkNow, DriveNow and other BMW services.

 


Source: TechCrunch

The Dell G5587 Nvidia GTX 1060 gaming laptop just dropped to $799 at Walmart

Gone are the days when you had to spend a grand or more to get a great gaming laptop. PC makers like Dell are cranking out some excellent and affordable machines today like the Dell G5587, which is on sale right now for just $799.
Source: Digital trends

Monzo, the UK challenger bank, raises £113M Series F led by YC’s Continuity fund at a £2B post-money valuation

Monzo, the fast-growing U.K.-based challenger bank with more than two million account holders, has raised £113 million (~$144m) in additional funding.

Confirming TechCrunch’s scoop in April, the Series F round is led by Y Combinator’s “Continuity” growth fund, and gives the company a new £2 billion (~$2.5b) post-money valuation. That’s double the £1 billion valuation it garnered in October last year.

A number of other new and existing investors have also participated in the Series F. They include Latitude, General Catalyst, Stripe, Passion Capital, Thrive, Goodwater, Accel, and Orange Digital Ventures.

The investment by London-based Latitude, the growth fund from prolific seed investor LocalGlobe, is particularly noteworthy given that LocalGlobe itself didn’t previously back Monzo. The same might be said of YC’s Continuity, considering that Monzo isn’t a YC alumni (although GoCardless, Monzo co-founder Tom Blomfield’s previous startup, did take part in the Silicon Valley accelerator).

The take-away: a growth fund attached to an early-stage fund can be a great antidote to the anti-portfolio (the list of successful companies a VC firm either missed, were unable or chose not to invest in).

Meanwhile, Monzo’s new funding round and YC’s backing should be viewed within the context of not only fast growth and increasingly convincing product-market fit in the U.K. — the challenger bank is currently adding 200,000 new sign-ups for its current account each month — but also recently unveiled plans to tentatively launch across the pond.

We first reported that Monzo was busy assembling a U.S.-based team over five months ago, and the U.K. company made its U.S. plans official last week. This will see a U.S. Monzo app and connected Mastercard debit card available via in-person signups at events to be held soon. The rollout will initially consist of a few thousand cards, supported by a waitlist in preparation for a wider launch.

The U.S. launch is being done in partnership with a local bank, but in the longer term Monzo plans to apply for its own U.S. bank license, similar to the strategy it employed in the U.K. so as to own and operate as much of its technical, product and regulatory infrastructure as possible.

In the U.K., this has helped Monzo achieve an NPS score of 80, which Blomfield previously told me is unusually high for a bank. This is seeing 60% of U.K. signups remain long-term active, transacting at once per week. As a counterpoint, however, the percentage of Monzo users that pay a salary into their Monzo account sits at between about 27% and 30% of active users, suggesting that a significant number of Monzo customers aren’t yet using it as their main account (Monzo’s definition of salaried is anyone who deposits at least £1,000 per month by bank transfer).

Success in the U.S., therefore, isn’t a given, conceded Blomfield when I had a call with him earlier this month. Instead, he argued that the key to cracking North America will be creating a fully localised version of Monzo based on carefully listening to U.S. users and once again finding product-market fit. He says there are obvious and less obvious cultural and technical differences in the way Brits and Americans save, spend and manage their finances, and this will require significant product divergence from the U.K. version of Monzo. Today’s new £113 million injection of capital is clearly designed to provide some of the breathing space required to achieve that.

As a side note, there are encouraging signs from other London-based fintechs that have ventured across the pond. One recent example is the financial “digital assistant� chatbot Cleo, which entered the U.S. around a year ago and has been more successful than the company anticipated, seeing Cleo add 650,000 active U.S. users to date. In fact, the U.S. currently makes up more than 90% of new Cleo users, prompting one source to describe the U.K. startup as effectively a U.S. company now.


Source: TechCrunch

At last, a camera app that automatically removes all people from your photos

As a misanthrope living in a vibrant city, I’m never short of things to complain about. And in particular the problem of people crowding into my photos, whatever I happen to shoot, is a persistent one. That won’t be an issue any more with Bye Bye Camera, an app that simply removes any humans from photos you take. Finally!

It’s an art project, though a practical one (art can be practical!), by Do Something Good. The collective, in particular the artist damjanski, has worked on a variety of playful takes on the digital era, such as a CAPTCHA that excludes humans, and setting up a dialogue between two Google conversational agents.

The new app, damjanski told Artnome, is “an app for the post-human era… The app takes out the vanity of any selfie and also the person.” Fortunately, it leaves dogs intact.

Of course it’s all done in a self-conscious, arty way — are humans necessary? What defines one? What will the world be like without us? You can ponder those questions or not; fortunately, the app doesn’t require it of you.

Bye Bye Camera works using some of the AI tools that are already out there for the taking in the world of research. It uses YOLO (You Only Look Once), a very efficient object classifier that can quickly denote the outline of a person, and then a separate tool that performs what Adobe has called “context-aware fill.” Between the two of them a person is reliably — if a bit crudely — deleted from any picture you take and credibly filled in by background.

It’s a fun project (though the results are a mixed bag) and it speaks not only to the issues it supposedly raises about the nature of humanity, but also the accessibility of tools under the broad category of “AI” and what they can and should be used for.

You can download Bye Bye Camera for $3 on the iOS App Store.


Source: TechCrunch

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