Source: Engadget | Audi's Silvercar service will deliver and pick up your car for you
- World leaders urging Biden to run POLITICO
- Biden leads CNN poll, but Harris, Sanders on the rise | TheHill The Hill
- Joe Biden reportedly tells supporters he’s running for president – as it happened The Guardian
- Democrats have to decide what to do with the two old men The Washington Post
- Biden tells potential donors he’s close to announcing 2020 run New York Post
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- Gorsuch Provides Decisive 5th Vote In Case Interpreting Treaty With Indian Tribe NPR
- Trump picks Gorsuch, Kavanaugh take opposite sides on 2 of 3 Supreme Court rulings Tuesday Fox News
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- Another Ninth Circuit Reversal The Wall Street Journal
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- The Article 50 Brexit delay will only be a short one, Theresa May insists CNN
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Charlottesville Debates Civility In The Wake Of White Supremacist Rally – NPR
March 20, 2019Charlottesville Debates Civility In The Wake Of White Supremacist Rally NPR
After a deadly white supremacist rally in 2017, once marginalized voices in Charlottesville, Va., are demanding to be heard by the city council. That has led to a …
Source: Google News | Charlottesville Debates Civility In The Wake Of White Supremacist Rally – NPR
Source: Google News | World leaders urging Biden to run – POLITICO
Tandem Bank, the U.K. challenger bank, is launching a new savings account powered by its “Autosavings” feature designed to make it easier to save.
Paying 0.5 percent interest, the Tandem Autosavings account is effectively a flexible savings bank account built on top of Tandem’s existing bank account aggregation app and the various credit cards it offers. Using a number of rules, it will automatically put money aside based on your spending habits and what its algorithm deems you can afford.
The first rule, known as “Round Ups,” will move the change from small purchases to your Tandem Autosavings account, enabling you to round-up to the next pound across spending on all of your connected bank accounts.
The second rule, dubbed “Safe To Save,” claims to use machine learning to calculate how much you can save based on the income and outgoings of your connected accounts. Within the Tandem app you can set your saving level using a slider from minimum to maximum savings, which aims to save between 5 and 15 percent of your income.
Outside of these rules, you can also choose to top up your Tandem Autosavings account at anytime. Money moved across to your Tandem Autosavings account is pulled via the debit card you have added to the app and transactions are processed by Stripe, as we previously reported.
“We spend a huge amount of time speaking with our users, understanding the challenges they face with their money, and what we can do to help,” Tandem’s Matt Ford tells me. “A consistent theme which arose for many of our users was the need to save. People either felt like they were unable to save at all (as they battle through to the end of the month), or were trying to save, but spending got in the way and they were unable to reach their goals fast enough”.
Ford says that Autosavings aims to solve these problems by drawing on “behavioural economics principles”. The idea is that by helping customers save small amounts each time they spend, Tandem is initiating a savings behaviour for customers who may have previously felt unable to save.
“Similarly, for those who need an extra boost, we have a rule called ‘safe to save’ which, based on a forecast of upcoming spending and bills, helps sweep any spare cash automatically aside into an interest-bearing Tandem savings account… We’re planning to roll out additional rules over time to find new ways to help customers kickstart and accelerate their savings behaviour”.
Perhaps crucially, Ford says that Tandem doesn’t “sweep” money immediately. Instead, savings are first added to a “virtual pot” that builds throughout the week, before moving across into your Tandem account.
“With a quick swipe, customers can remove any savings items added to the pot before it leaves their current account, and they get a push notification before the money movement occurs so they can ensure that they are comfortable with the saving amount,” he explains. “Also, for people who have aggregated their current account and have the safe to save rule activated, we’re continually monitoring on a day-to-day basis how much a customer can afford to save based on their sending and account balance”.
Meanwhile, Tandem has picked up pace over the last 18 months. Most recently the company launched a credit card for people who find it hard to quality for one. It followed the launch of a competitive fixed savings product, pitting it against a whole host of incumbent and challenger banks, and the original Tandem credit card with cash-back and low FX rates.
All of Tandem’s products are managed via the Tandem mobile app, which also acts as a Personal Finance Manager (PFM), including letting you aggregate your non-Tandem bank account data from other bank accounts or credit cards you might have.
Like a plethora of fintechs, Tandem’s broader strategy is to become your financial control centre and connect you to and offer various financial services. These are either products of its own or through partnerships with other fintech startups and more established providers.
Source: Tech Crunch Startups | Tandem Bank launches ‘Autosavings’ account
Gorsuch Provides Decisive 5th Vote In Case Interpreting Treaty With Indian Tribe – NPR
March 20, 2019Source: Google News | Gorsuch Provides Decisive 5th Vote In Case Interpreting Treaty With Indian Tribe – NPR
Ahead of third antitrust ruling, Google announces fresh tweaks to Android in Europe
March 20, 2019Google is widely expected to be handed a third antitrust fine in Europe this week, with reports suggesting the European Commission’s decision in its long-running investigation of AdSense could land later today.
Right on cue the search giant has PRed another Android product tweak — which it bills as “supporting choice and competition in Europe”.
In the coming months Google says it will start prompting users of existing and new Android devices in Europe to ask which browser and search apps they would like to use.
This follows licensing changes for Android in Europe which Google announced last fall, following the Commission’s $5BN antitrust fine for anti-competitive behavior related to how it operates the dominant smartphone OS.
tl;dr competition regulation can shift policy and product.
Albeit, the devil will be in the detail of Google’s self-imposed ‘remedy’ for Android browser and search apps.
Which means how exactly the user is prompted will be key — given tech giants are well-versed in the manipulative arts of dark pattern design, enabling them to create ‘consent’ flows that deliver their desired outcome.
A ‘choice’ designed in such a way — based on wording, button/text size and color, timing of prompt and so on — to promote Google’s preferred browser and search app choice by subtly encouraging Android users to stick with its default apps may not actually end up being much of a ‘choice’.
According to Reuters the prompt will surface to Android users via the Play Store. (Though the version of Google’s blog post we read did not include that detail.)
Using the Play Store for the prompt would require an Android device to have Google’s app store pre-loaded — and licensing tweaks made to the OS in Europe last year were supposedly intended to enable OEMs to choose to unbundle Google apps from Android forks. Ergo making only the Play Store the route for enabling choice would be rather contradictory. (As well as spotlighting Google’s continued grip on Android.)
Add to that Google has the advantage of massive brand dominance here, thanks to its kingpin position in search, browsers and smartphone platforms.
So again the consumer decision is weighted in its favor. Or, to put it another way: ‘This is Google; it can afford to offer a ‘choice’.’
In its blog post getting out ahead of the Commission’s looming AdSense ruling, Google’s SVP of global affairs, Kent Walker, writes that the company has been “listening carefully to the feedback we’re getting” vis-a-vis competition.
Though the search giant is actually appealing both antitrust decisions. (The other being a $2.7BN fine it got slapped with two years ago for promoting its own shopping comparison service and demoting rivals’.)
“After the Commission’s July 2018 decision, we changed the licensing model for the Google apps we build for use on Android phones, creating new, separate licenses for Google Play, the Google Chrome browser, and for Google Search,” Walker continues. “In doing so, we maintained the freedom for phone makers to install any alternative app alongside a Google app.”
Other opinions are available on those changes too.
Such as French pro-privacy Google search rival Qwant, which last year told us how those licensing changes still make it essentially impossible for smartphone makers to profit off of devices that don’t bake in Google apps by default. (More recently Qwant’s founder condensed the situation to “it’s a joke“.)
Qwant and another European startup Jolla, which leads development of an Android alternative smartphone platform called Sailfish — and is also a competition complainant against Google in Europe — want regulators to step in and do more.
The Commission has said it is closely monitoring changes made by Google to determine whether or not the company has complied with its orders to stop anti-competitive behavior.
So the jury is still out on whether any of its tweaks sum to compliance. (Google says so but that’s as you’d expect — and certainly doesn’t mean the Commission will agree.)
In its Android decision last summer the Commission judged that Google’s practices harmed competition and “further innovation” in the wider mobile space, i.e. beyond Internet search — because it prevented other mobile browsers from competing effectively with its pre-installed Chrome browser.
So browser choice is a key component here. And ‘effective competition’ is the bar Google’s homebrew ‘remedies’ will have to meet.
Still, the company will be hoping its latest Android tweaks steer off further Commission antitrust action. Or at least generate more fuzz and fuel for its long-game legal appeal.
Current EU competition commissioner, Margrethe Vestager, has flagged for years that the division is also fielding complaints about other Google products, including travel search, image search and maps. Which suggests Google could face fresh antitrust investigations in future, even as the last of the first batch is about to wrap up.
The FT reports that Android users in the European economic area last week started seeing links to rival websites appearing above Google’s answer box for searches for products, jobs or businesses — with the rival links appearing above paid results links to Google’s own services.
The newspaper points out that tweak is similar to a change promoted by Google in 2013, when it was trying to resolve EU antitrust concerns under the prior commissioner, Joaquín Almunia.
However rivals at the time complained the tweak was insufficient. The Commission subsequently agreed — and under Vestager’s tenure went on to hit Google with antitrust fines.
Walker doesn’t mention these any of additional antitrust complaints swirling around Google’s business in Europe, choosing to focus on highlighting changes it’s made in response to the two extant Commission antitrust rulings.
“After the Commission’s July 2018 decision, we changed the licensing model for the Google apps we build for use on Android phones, creating new, separate licenses for Google Play, the Google Chrome browser, and for Google Search. In doing so, we maintained the freedom for phone makers to install any alternative app alongside a Google app,” he writes.
Nor does he make mention of a recent change Google quietly made to the lists of default search engine choices in its Chrome browser — which expanded the “choice” he claims the company offers by surfacing more rivals. (The biggest beneficiary of that tweak is privacy search rival DuckDuckGo, which suddenly got added to the Chrome search engine lists in around 60 markets. Qwant also got added as a default choice in France.)
Talking about Android specifically Walker instead takes a subtle indirect swipe at iOS maker Apple — which now finds itself the target of competition complaints in Europe, via music streaming rival Spotify, and is potentially facing a Commission probe of its own (albeit, iOS’ marketshare in Europe is tiny vs Android). So top deflecting Google.
“On Android phones, you’ve always been able to install any search engine or browser you want, irrespective of what came pre-installed on the phone when you bought it. In fact, a typical Android phone user will usually install around 50 additional apps on their phone,” Walker writes, drawing attention to the fact that Apple does not offer iOS users as much of a literal choice as Google does.
“Now we’ll also do more to ensure that Android phone owners know about the wide choice of browsers and search engines available to download to their phones,” he adds, saying: “This will involve asking users of existing and new Android devices in Europe which browser and search apps they would like to use.”
We’ve reached out to Commission for comment, and to Google with questions about the design of its incoming browser and search app prompts for Android users in Europe and will update this report with any response.
Source: Tech Crunch Mobiles | Ahead of third antitrust ruling, Google announces fresh tweaks to Android in Europe
Peloton slapped with a $150 million lawsuit for playing unlicensed music
March 20, 2019
Source: Engadget | Peloton slapped with a 0 million lawsuit for playing unlicensed music
Do you have what it takes to become a GMA Network Excellence Awardee?
Source: GMA News Lifestyle | Nominations open for GMA Network Excellence Award
The Article 50 Brexit delay will only be a short one, Theresa May insists – CNN
March 20, 2019Source: Google News | The Article 50 Brexit delay will only be a short one, Theresa May insists – CNN
Source: Google News | Opera adds a free, unlimited VPN to its Android browser – TechRadar