Uber remotely locks computers during police raids to block information access

Article URL: https://www.bloomberg.com/view/articles/2018-01-12/uber-looks-great-when-the-police-barge-in

Comments URL: https://news.ycombinator.com/item?id=16154058

Points: 36

# Comments: 13

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THE FINTECH PROFITABILITY REPORT: Why fintechs are struggling to turn a profit, and the hurdles they must overcome to see success

funding circle p&lBI Intelligence

This is a preview of a research report from BI Intelligence, Business Insider’s premium research service. To learn more about BI Intelligence, click here.

Most fintechs, even the unicorns, aren’t profitable.

Despite having innovative ideas and live products that are successfully disrupting the financial services industry, these fintechs’ business models are increasingly proving to be fundamentally flawed.

In a new report, BI Intelligence explores the reasons why fintechs are struggling to turn a profit, providing examples of the unique problems each segment of fintech faces. We also outline what some firms are doing to overcome these challenges, and highlight the key factors to be considered by fintechs, and their investors, if they want to reach profitability.

Here are some of the key takeaways from the report:

  • Even the largest fintechs have failed to achieve meaningful profits. For example, British unicorns Transferwise and Funding Circle have seen ever-increasing losses since launch – in the latter’s case to the tune of £37 million ($48 million) in its most recent filing, and are only now approaching profitability.
  • The profitability question is becoming increasingly important. That’s due to a combination of factors including declining VC investment in the sector and increasing pressure from existing investors to see returns. 
  • Not all fintechs want to turn a profit, but those that do are facing significant challenges. Obstacles to profitability affect all fintech segments including neobanking, robo-advising, money transfer, and marketplace lending.
  • Forced to adapt their models, fintechs are employing multiple tactics to reach profitability. These include partnerships, diversification of funding sources, acting as third-party suppliers to other firms, adding new products, and seeking global expansion.
  • There a number of considerations that fintechs and their investors must make, and several actions they must take, to get on the path to profitability. These include deciding whether to focus on scale, establishing a stable business plan, and assessing the benefits of varied funding sources.

 In full, the report:

  • Explains why the profitability question is increasingly being raised.
  • Outlines why fintechs in different segments are failing to turn a profit.
  • Gives examples of just how large some fintechs’ losses are. 
  • Explores how fintechs are striving to solve the profitability problem.
  • Outlines vital considerations for fintechs and their investors.

Interested in getting the full report? Here are two ways to access it:

  1. Subscribe to an All-Access pass to BI Intelligence and gain immediate access to this report and over 100 other expertly researched reports. As an added bonus, you’ll also gain access to all future reports and daily newsletters to ensure you stay ahead of the curve and benefit personally and professionally. >> Learn More Now
  2. Purchase & download the full report from our research store. >> Purchase & Download Now

Weekend Favs January 13

Weekend Favs January 13 written by John Jantsch read more at Duct Tape Marketing

My weekend blog post routine includes posting links to a handful of tools or great content I ran across during the week.

I don’t go into depth about the finds, but encourage you to check them out if they sound interesting. The photo in the post is a favorite for the week from an online source or one that I took out there on the road.

  • Typosaurus – Typosaurus is the ultimate website spell checker for digging up those embarrassing spelling mistakes you may have missed for millions of years.
  • Stripe Atlas – A tool to handle everything involved in establishing an internet business. It’s available to entrepreneurs everywhere.
  • InfographiCreator – Visualize your data and create your own infographic online.

These are my weekend favs, I would love to hear about some of yours – Tweet me @ducttape

New Opportunities for New Deep Learning Practitioners

Article URL: http://www.fast.ai/2018/01/09/diversity-sponsors/

Comments URL: https://news.ycombinator.com/item?id=16140198

Points: 1

# Comments: 0


hnrss is a labor of love, but if the project has made your job

or hobby project easier and you want to show some gratitude, <a

href=”https://donate.hnrss.org/”>donations are very much

appreciated. PayPal and Bitcoin both accepted. Thanks!

10 Top Tips for Smarter Social Media Marketing with the Buffer Mobile App

How often do you read and share an article on your phone? Or how often do you snap, edit, and share a photo with your phone?

If you like creating and scheduling social media posts with your phone, we would love for you to try our mobile apps. They will make social media marketing on the go super easy and smooth for you.

In this post, you’ll learn more about the Buffer mobile apps (Android and iOS) and the top 10 features for smarter social media marketing.

Let’s get started!

Buffer for Android and iOS: 10 Top Features to Grow Your Social Media

Getting started with Buffer on mobile

If you don’t have our app installed on your phone already, you can download the Android version from Google Play or the iOS version from iTunes.

Adding your accounts

When you open up the app, select “I’m new to Buffer, let’s signup” if you are new to Buffer. You’ll be able to sign up with one of your social network accounts (Twitter, Facebook, or LinkedIn) or your email. Tap on your preferred signup option, and log in to give Buffer access to your account.

Buffer mobile app signup step 1Buffer mobile app signup step 2

Once you have signed up, you’ll be brought to your Buffer mobile dashboard. You can connect more social accounts by tapping on your profile image in the upper-left corner.

Connect social accounts

From here you’ll be taken to the relevant network to log in and give Buffer access to your account. Then you can choose which profile or page you want to add.

6 social network integrations

With our recent addition of Instagram, you can now connect social accounts from the six major social media platforms.

With the free Buffer account, you can connect up to three social profiles. For instance, you could connect three Twitter accounts or one Twitter account, one Facebook profile, and one Instagram profile.

Here are the 10 different social accounts you can add to your Buffer account:

  • Twitter profile
  • Facebook profile
  • Facebook Page
  • Facebook group
  • LinkedIn profile
  • LinkedIn Page
  • Google+ profile
  • Google+ Page
  • Instagram profile
  • Pinterest profile (only for Awesome or Buffer for Business account)

To upgrade to the Awesome or Buffer for Business plan, tap on your profile image and scroll to the bottom. Tap on “Upgrade to Awesome” to find out more about the Awesome and Small Business plans and purchase a subscription.

Upgrade to Awesome or Small Business plan

Using Buffer to manage your updates on the go

Setting up your schedule

First, it’ll be great to set up your schedule according to your preference. We would have set a default schedule for you, which you can keep or change.

To change your schedule, click on the settings gear icon in the lower-right corner and tap on “Posting Schedule”.

Schedule post 1 Schedule post 2 Schedule post 3

Here, you can select the days and times you want to have in your social media sharing schedule.

Sending your first update

Let’s add your first update from the mobile app!

Tap on the plus icon at the bottom and you’ll see the composer where you can type your update, attach photos or video, and select the accounts you’d like to share the update with.

Compose a new post

When you’re done, tap on the “Buffer” button to add the update to your queue, or tap “Share Now” to send it right away.

If you are on the Awesome or Buffer for Business plan, you’ll also have the option to schedule your post (Schedule Post) or add it to the top of your queue (Share Next).

Share options

Managing your queue

Tap on the Content tab to see your queued social media posts. You can tap on a post to edit it, or tap and hold with your finger to rearrange its position in the queue.

Edit or rearrange Buffer queue

10 top features to make the most of the Buffer mobile apps

Now that you’ve learned the basics of the Buffer mobile apps, let’s check out some of the more advanced, more powerful features.

1. Share from any app

Our app takes advantage of the built-in share menu that shows up in most apps, to let you add updates to Buffer from anywhere on your device. Once you have Buffer installed, just tap the share menu inside another app, such as your browser or Pocket, and tap on Buffer to send an update to your Buffer queue.

Here’s an example of how this looks when sharing from Safari on iOS:

Share from any app on mobile

For iOS, you’ll first have to turn on the extension. You can do so under “Settings” > “Set up Extension”, where you’ll see a set of short instructions.

2. Schedule native retweets

Here’s another cool thing you can share quickly via the mobile app – native retweets.

When you see a tweet you want to retweet or quote, tap on the menu arrow in the upper-right corner of the tweet, select “Share Tweet via…”, and tap on Buffer.

Buffer retweet

If you don’t add any message with the retweet, we’ll post it as a native retweet. If you do, it’ll become a quote tweet with your additional comment.

3. Get reminders for Instagram posts

Unlike most social media platforms, Instagram does not allow apps to post directly to Instagram. While Buffer cannot post to Instagram on your behalf, we would love to help you at every step.

Whether you add an Instagram post to your Buffer queue via the desktop or your mobile, the Buffer mobile app will send you a notification when it’s time for you to post. After you tap on the notification, Buffer will load your photo into Instagram and have your prewritten caption saved to your clipboard.

Buffer for Instagram notifications Buffer for Instagram Posting on Instagram

4. Drag and drop to copy posts across social accounts

Besides dragging and rearranging posts in your queue, you can also copy a post from one social account’s queue into another social account’s queue by dragging and dropping it into that other queue.

Drag and drop

With the multitasking feature in iOS, you can even drag and drop images to Buffer to start a draft in Buffer immediately.

5. Pause queue in times of emergency

There might be times when you want to pause your social media posting urgently because of any breaking news and events that have happened.

You likely have your smartphone with you more often than your laptop. And that’s why there’s a pause button in the mobile apps. Anytime you want to pause your Buffer queue, just whip out your phone and toggle the pause option in “Settings”.

Unpaused Buffer queuePaused Buffer queue

Pausing is done on a per social account basis. So if you have multiple social accounts that you’d like to pause posting for, you will need to pause each queue individually. You can read more about how pausing and unpausing work here.

The following few features are available in the Awesome or Buffer for Business plan. You can upgrade to either of these plans within the mobile apps or from the web dashboard.

6. Quick re-Buffer to boost your reach

One of our favorite social media tips is to re-use your top social media posts. While these posts have performed well previously, not all your followers might have seen them. Resharing them allows more followers (and even non-followers) to see them.

Here’s how to do that swiftly with the Buffer mobile app:

  • Tap on “Analytics”
  • Tap on “Recent” beside the date and select “Most Popular”
  • Find the post you want to share again
  • Tap on the tiny arrow in the upper-right corner and select “Rebuffer”
  • Edit the post as you like

You can then share the post immediately or schedule it for later.

Rebuffer top posts

7. Shuffle queue to mix things up

If you often share a few quotes from the same article or a few links from the same site in a row and want to mix them up, you will be happy to know that you can shuffle your Buffer queue.

The shuffle button is located just above your queue in the app. When you tap on “Shuffle”, you’ll see a confirmation message. Once you tap “Yes”, the posts in that queue will be shuffled randomly.

Shuffle Buffer queue

8. See how your posts are performing

We hope to make it easy for you to check your social media performance as and when you want. Just open up the mobile app and tap on “Analytics” at the bottom of the screen. Buffer for Business customers will get these three reports.

Posts Report: You’ll see a history of your published posts and each of their key engagement metrics. There is also a comparison with your average post performance from the past 30 days to help you instantly understand if the post is performing better than previous posts. (Read more about the Post Report here.)

Overview Report: This report gives you an overall view of your engagement levels, as opposed to the per-post basis that you would find in the Posts Report, for your Twitter account and Facebook Page. (Read more about the Overview Report here.)

Insights Report: You’ll find charts of engagement metrics, such as clicks and reach, over time in this report. If you tap on any of the points on the chart, you’ll see the absolute figure of that point.

Posts Report Overview Report Insights Report

9. Get a preview of your Instagram gallery

This is one of our most requested Instagram features – the Instagram Grid Preview.

With this preview, you can see how your upcoming posts will look like on your Instagram gallery, alongside the published posts. You can even drag and drop your scheduled posts in the preview to create your perfect Instagram gallery.

Buffer Instagram Grid Preview feature

10. Share articles from your Content Inbox

Curating content is a great way to provide your followers with valuable insights, establish your authority, and get more followers.

You can easily discover great content and immediately schedule them using the Content Inbox feature within the Buffer mobile app. The Content Inbox can be found in the Content tab, last from the left in the top navigation bar. (You might have to swipe the navigation bar to the left to find your Content Inbox.)

Once you have set up your RSS feeds, you’ll see all the new blog posts from the websites in your Content Inbox. You can then tap on the link to check out that blog post and tap on “Add” to Buffer that link.

Content Inbox

How can we improve our apps?

It’ll be great to hear from you. If you have tried our mobile apps, what do you like most about it? How can we make it better for you and your business?

If you have not tried our mobile apps, we would love for you to try them (Android or iOS) and experience better social media marketing on the go.

Image credit: Unsplash

This blog post was originally written by Belle Beth Cooper in 2013 and has been updated to reflect the improvements in our mobile apps. 

GM unveils autonomous vehicle with no steering wheel or pedals, plans for 2019 launch


General Motors (GM) has revealed that it’s on track to put its first self-driving car on roads by 2019. Today, the company revealed the fourth generation of its electric driverless vehicle, the Cruise AV, will have no manual controls such as pedals or a steering wheel.

Though many companies are already testing driverless cars on public roads, the vehicles typically have traditional controls and a driver in-place to take over should they be required. With the Cruise AV, there is no such option.

As such, GM said that it has filed a safety petition with the Department of Transportation for the vehicle, which GM said is now “production-ready.”

“GM’s integrated development of hardware and software, and testing in one of the most complex environments in the world, allows for the company to safely eliminate the steering wheel, pedals and manual controls from the new Cruise AV,” the company said in a statement.

Above: GM: Fourth generation vehicle, the Cruise AV.

Careful not to be usurped by younger technology and automotive upstarts, GM has made no secret of its intentions in the self-driving car realm. Back in 2016, the century-old car company behind major brands such as Chevrolet, Buick, Cadillac, and Vauxhall, invested $500 million in U.S. ride-hailing startup Lyft and revealed collaboration plans to build self-driving cars.

“We see the future of personal mobility as connected, seamless and autonomous,” noted GM president, Dan Ammann, at the time. “With GM and Lyft working together, we believe we can successfully implement this vision more rapidly.”

In the intervening months, GM acquired Cruise Automation, a San Francisco-based self-driving car company that builds autopilot systems for cars; snapped up Californian lidar startup Strobe; committed to mass-producing electric autonomous vehicles by 2019; and even developed an Uber-style mobile app for customers to request rides in self-driving Chevrolet Bolt EVs.

It wasn’t too long ago that autonomous vehicles were the stuff of fantasy. Back in 2016, the world’s first public self-driving taxi service hits Singapore roads courtesy of U.S. startup NuTonomy. Late last year, Alphabet’s Waymo became the first company to put fully autonomous cars on U.S. roads without a human behind the wheel. If GM can convince regulators that its self-driving vehicles are road ready, with safety playing a key part of the company’s persuasion strategy, then next year we could start seeing the first consumer cars built from the ground up with automation in mind. That will represent a major milestone in the autonomous vehicle revolution.