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Archivo del Autor: Belen De Leon

Tech That Makes Us Better Humans: JavaScript, Shudder, Chat Apps, Concordia, Signia

We reached out to a bunch of experts to ask them about the tools they love. Here’s what we heard back.
Source: Wired

Why I (Still) Love Tech: In Defense of a Difficult Industry

Technology is just another human creation—like religion or government or sports or money. It’s not perfect, and it never will be. But it’s still a miracle.
Source: Wired

India’s largest mobile wallet company Paytm now offers a credit card

Paytm, India’s largest mobile wallet app, has branched out to several businesses in recent years as threat from Google and Facebook grows. On Tuesday, it added another category to the list: credit cards.

The firm, operated by One97 Communications, today unveiled Paytm First Credit Card with lofty benefits as it races to bulk up its financial offerings. The cards, issued by Citi Bank, will be the first in the country to offer unlimited, one percent cashback on purchases, Paytm claimed in a statement. The company is hoping to rope in about 25 million credit card customers in the coming months.

The penetration of credit cards remains very low in India with under 50 million people possessing one. With people conducting most of their businesses through cash in the nation, banks have little understanding of a customer’s credit history and score. And it also doesn’t help that banks in India are still wary of issuing credit cards to those who don’t perfectly fit the traditional blue collar job.

But why is a company that made its name through a mobile payment wallet open to its customers engaging with credit card companies? Paytm itself is struggling to grow its business and retain existing customers. Some of its recent major bets haven’t exactly paid off. Its ecommerce business Paytm Mall remains tiny despite bleeding money.

But more importantly, payments itself has become a commoditized space. Users park their money in Paytm and do transactions from there. Paytm makes money from this accumulated sum. This business flourished for years, especially in the months after the Indian government invalidated much of the cash in the nation. But then the government launched its own payment infrastructure called UPI, which removes the need for a middleman.

This has made payments more convenient for users, who are increasingly jumping ship. UPI apps such as PhonePe that have emerged in the last two and a half years now see more transactions than wallet apps. To make matter worse for Paytm, Google and Facebook — two companies that have larger userbase in India — have entered the payments space. Google Pay reached 100 million installs on Google Play Store recently, and WhatsApp plans a nation-wide roll out of its payment feature in India later this year.

So Paytm is now expanding its financial offerings and credit card play fits well in it. With more than 200 million active users, Paytm rivals banks on both the number of customers and volume of transaction it processes.

“Our new offering is designed to bring utmost flexibility to our customers in their digital payment options and will help spur large-ticket cashless payments,” Vijay Shekhar Sharma, chairman and CEO of One97 Communications said in a statement.

Backed by SoftBank, Alibaba, and most recently Warren Buffett’s Berkshire Hathaway, Paytm has the capital to spur the adoption of its new credit card. As part of the package, Paytm’s credit card holders will be able to avail dining, shopping, travel and other offers that Citi Bank provides to its privilege customers. In the first four months of issuing a card, the company will offer its customers discounts worth Rs 10,000 ($142) on spending of Rs 10,000.

Paytm First Credit Card will work both in India and elsewhere and support contactless transactions. Like any other credit card, customers will be able to pay back a sum in multiple monthly instalments. Paytm First Credit Card will charge users a nominal fee of Rs 500 ($7.1) that will be waived off if their spendings through the card exceeds Rs 50,000 ($710) in a year.

If the gamble works, Paytm will be able to retain some customers and convince many to do big-ticket transactions. For Citi Bank, this partnership is just an easy ploy to acquire some customers.

In the meantime, Paytm continues to aggressively expand its financial offerings. In recent years, it has launched a digital payments bank, and has started to offer prepaid Forex cards for international purchases. It also lets customers buy gold, and employers issue food allowance wallets for their staff. Last year, the company announced Paytm Money to facilitate purchase of mutual funds.

Earlier this year, the company launched Paytm First, a subscription bundle that includes access to subscriptions from other services such as Zomato, Uber, Gaana, and Eros Now. In an interview with TechCrunch late last month, Paytm’s Sharma said payments is the moat around which you can build a number of services. “Now that’s a business model… payment itself can’t make you money.”


Source: TechCrunch

Google’s Street View cars are helping build a giant map of global air pollution

For the past several years, a growing number of Google’s Street View cars have been doing more than just taking photos. They’ve also been measuring air quality. Here’s why that’s so important.

The post Google’s Street View cars are helping build a giant map of global air pollution appeared first on Digital Trends.


Source: Digital trends

Challenging Amazon, Walmart launches free one-day online shipping – CNET

The service debuts in Las Vegas and Phoenix and launch in Southern California in a few days.
Source: CNET

Eurovision 2019: Start times, how to watch, potential winners and everything else you need to know – CNET

Roll out the smoke machine and brush up on your Norwegian — the 2019 Eurovision Song Contest is here to blow your mind.
Source: CNET

Shares of SoftBank Group, Uber’s biggest stakeholder, slide after its disappointing IPO

As Uber’s biggest shareholder, SoftBank Group had high hopes for the ride-sharing company’s stock market debut last week. Instead, the Japanese conglomerate’s shares have been sliding along with Uber’s following its disappointing initial public offering. SoftBank shares began sliding at the end of last week after Uber set its IPO price at the low end of its planned range. Since the start of trading on Friday morning, SoftBank Group shares have fallen 14.4 percent in value from 11,700 yen (about $106.69) to 10,020 yen (about $91.37)

On paper, SoftBank Group, which became an investor in Uber in early 2018, had expected to make a profit of $3 billion from its debut. According to its IPO filing, SoftBank Group is Uber’s largest shareholder, owning 16.3 percent of pre-IPO shares through its Vision Fund.

After shares continued falling on their second day of trading, Uber CEO Dara Khosrowshahi told employees in a memo that “like all periods of transition, there are ups and downs. Obviously, our stock did not trade as well as we had hoped post-IPO. Today is another tough day in the market, and I expect the same as it relates to our stock.”

All major market indexes fell on Monday as the China-U.S. trade war continued to escalate, with China planning to raise customs on American imports after the U.S.increased tariffs on Chinese goods last week.


Source: TechCrunch

Game of Thrones season 8: The subtle details you probably missed from episode 5 – CNET

While King’s Landing burned, there were more than a few smart throwbacks to earlier episodes.
Source: CNET

Walmart announces next-day delivery on 200K+ items in select markets

This month, Amazon announced it’s investing $800 million in its warehouses and delivery infrastructure in order to double the speed of Prime shipping by reducing it to only one day. Now Walmart is following suit with a one-day shipping announcement of its own. The rival retailer says it will begin to offer free, NextDay delivery on select Walmart .com orders over $35 — without a membership fee.

This offer will initially be available to customers only in Phoenix and Las Vegas beginning on Tuesday, May 14, 2019, and will then expand to customers in Southern California over the next few days. The rollout will then continue “gradually” over the months ahead, with a goal of reaching 75% of the U.S. population — including 40 of the top 50 U.S. metros — by year-end.

Today, Amazon Prime covers more than 100 million items, which are available for two-day shipping to Prime’s more than 100 million subscribers. To make an inventory of that size available for one-day shipping is a massive investment on Amazon’s part.

Walmart, on the other hand, is starting smaller. Its NexDay delivery will be available as a standalone, curated shopping experience where customers can browse up to 220,000 of the most frequently purchased items.

This includes things like diapers, electronics, toys and household needs, and soon more. Everything in the cart has to be NextDay-eligible and total more than $35 to qualify. The cut-off times for the order will vary by location, Walmart says. Orders will be delivered primarily by national carriers, and in some cases, regional carriers.

This more limited focus in terms of inventory (for now at least) makes NextDay more of a competitor to Target’s Restock than to Amazon one-day Prime ambitions, as — like Restock — it requires a $35 minimum order. Restock, though, has customers “filling a box” with items and is largely focused on day-to-day shopping. Meanwhile, Walmart’s NextDay selection is wider than Restock’s some 35,000 items. (However, ahead of Walmart’s announcement, Target pushed out news that its same-day “Drive Up” curbside service had now expanded to over 1,250 U.S. stores.)

Walmart’s focus on matching Amazon’s efforts — but with a different set of conditions and “without a membership fee” — is now par for the course.

For example, Walmart in early 2017 first announced it would begin to offer free, two-day shopping on more than 2 million items with no need for a membership — as long as orders totaled $35.00 or more. The retailer had been trialing such a sped-up shipping system for years — starting with a test of its answer to Prime back in 2015. Dubbed ShippingPass at the time, the program initially began with 1 million items and three-day delivery, then was lowered to two days while the number of eligible items doubled. 

This past October, Walmart expanded two-day shipping to its Marketplace sellers, as well.

Now, it’s focused on one-day. Walmart says this is not in response to Amazon’s news, but rather had plans already in progress.

“We can offer fast, convenient shipping options because we’ve built a network of fulfillment assets that are strategically located across the U.S. We’ve also done extensive work to ensure we have the right products in the right fulfillment centers based on where customers are located and what they’re ordering,” said president and CEO of Walmart E-Commerce, Marc Lore.

Lore had sold his e-commerce startup Jet.com to Walmart for $3 billion in 2016. While it lives on as a more urban-focused delivery service, its influence on Walmart’s broader e-commerce efforts — particularly around delivery logistics — is seen in these expanded efforts to improve delivery times that also reduce costs while keeping prices low for consumers. Jet, for example, had offered credits to consumers who bought their items from the same nearby warehouse. That’s not entirely different from what Walmart NextDay is doing.

As Lore explains, NextDay is affordable for Walmart.

“Our new NextDay delivery isn’t just great for customers, it also makes good business sense. Contrary to what you might think, it will cost us less – not more – to deliver orders the next day,” he says. “That’s because eligible items come from a single fulfillment center located closest to the customer. This means the order ships in one box, or as few as possible, and it travels a shorter distance via inexpensive ground shipping. That’s in contrast to online orders that come in multiple boxes from multiple locations, which can be quite costly.”

Forrester analyst Sucharita Kodali suggests a bit more caution. She agrees that having another place to get overnight shipping is a win for consumers, but there could still be challenges.

“I think that makes sense theoretically, but whether or not they can make the economics work depends on the quality of the assortment and how many people actually use it. Also, I don’t know how easily it scales,” she says.


Source: TechCrunch

Game of Thrones season 8 episode 5 recap: Daenerys Targaryen sets everything on fire – CNET

“They say every time a Targaryen is born, the gods toss a coin and the world holds its breath.”
Source: CNET

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