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Monday, 20 January 2020
These are the 10 most viewed YouTube videos of all time
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The best iPhone apps available right now (January 2020)
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How to take a screenshot on a PC
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How to wall mount a TV
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Open banking platform Tink raises €90M at a post-money valuation of €415M
Tink, the European open banking platform, is disclosing €90 million in new funding, just 11 months after the Sweden-headquartered company announced a €56 million round of funding.
Co-leading this new round is Dawn Capital, HMI Capital and Insight Partners. The round also includes the incumbent postal operator and Italy’s largest financial services network Poste Italiane as a new investor, along with existing investors Heartcore Capital, ABN AMRO Ventures and BNP Paribas’ venture arm, Opera Tech Ventures.
The injection of capital will enable Tink to accelerate its European expansion plans and further develop its product accordingly.
“During 2020, we are committed to building out our platform with more bank connections and, on top of that, expand our product offering,” Tink co-founder and CEO Daniel Kjellén tells me. “Our aim is to become the preferred pan-European provider of digital banking services and increase our local presence across the region”.
Originally launched in Sweden in 2013 as a consumer-facing finance app with bank account aggregation at its heart, Tink has long since repositioned its offering to become a fully-fledged open banking platform, requisite with developer APIs, to enable banks and other financial service providers to ride the open banking/PSD2 train.
Through its various APIs, Tink provides four pillars of technology: “Account Aggregation,” “Payment Initiation,” “Personal Finance Management” and “Data Enrichment.” These can be used by third parties to roll their own standalone apps or integrated into existing banking applications.
“We have grown significantly, both in terms of our platform’s connectivity and as an organisation,” says Kjellén, when asked what has changed in the last 11 months. “We have during the year launched our platform in Belgium, Austria, the U.K., Germany, Spain, the Netherlands, Portugal and Italy. In total, our open banking platform is right now live in twelve European markets and connects to more than 2,500 banks that reach more than 250 million bank customers across Europe”.
The company’s headcount has also grown a lot, too. In the beginning of 2019 it sat at around 120, but is now at 300 employees. Most but not all are based in its headquarters in Stockholm, alongside local offices including recently opened sites in Paris, Helsinki, Oslo, Madrid, Warsaw, Milan and Copenhagen.
Perhaps better positioned than most, I asked Kjellén what types of use cases are really resonating with open banking, given that many industry commentators don’t think it has quite yet lived up to the hype.
“Many of our customers are seeing the advantage of being able to build smart multi-banking products with the data that they are now able to fetch and use to add value for their end users,” he says. “The use cases that really show the potential of open banking that we see our customers thriving with are those that leverage the full value of the financial data to deliver truly personalised experiences at scale, or remove friction in the user journey to a minimum, such as proactive price comparison, enhanced credit scoring and onboarding. Use cases such as these show that the consumer’s data can really work for them and bring improvements to their everyday interactions”.
One example Kjellén gives me is Klarna, the checkout credit provider, which he says is using open banking to provide a “wonderful” in-app experience. “I love that I as a consumer can now choose to change my mind and slice up the payments for a purchase I have already paid in full with my bank card,” he explains. “This shows how the potential of open banking goes way beyond just accessing a transaction history and allows the most innovative players, such as Klarna, to create a new standard in consumer experience”.
Kjellén says another standout use-case is using PSD2 APIs to verify identity to complete any type of customer registration completely automatically. “[That is] something that I find very innovative. It automates the previously time-consuming administration on the business side and delivers a completely seamless digital service on the end user side,” he says.
Meanwhile, Tink says its customer numbers have “quadrupled” in the past year, and includes PayPal, Klarna, NatWest, ABN AMRO, BNP Paribas Fortis, Nordea and SEB. “More than 4,000 developers are currently using Tink to build and power new innovative financial services and products,” adds Kjellén.
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ADHA's work to get off fax progressing with standards agreed on
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Picard star Patrick Stewart has no problem chatting with Data. Alexa's another thing - CNET
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The iPad Pro can now run Fortnite at 120 frames per second
Epic Games has just released an update for the iOS version of Fortnite that unlocks a niche-but-cool feature if you have the hardware to support it: a 120 frames per second mode for the latest (2018) iPad Pro. This mode makes the most of the screen’s high refresh rate to deliver ultra-smooth performance. The update also adds support for controller thumbstick buttons.
I checked the 120 fps mode out for a few rounds, and while I’m not sure how many people play competitive Fortnite on an iPad, the difference is noticeable. The frame rate does occasionally drop down into the 100s or 90s, which I’m sure will happen more often if you’re playing for hours on end, but otherwise the game does indeed deliver the advertised 120 fps.
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Incredible images show huge dust storm blanketing Australian towns - CNET
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Want to clear your browser’s history from the beginning of time? Here’s how
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The most reliable cars of 2020
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How to build a computer
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Europe’s ExoMars rover completes environmental tests ahead of launch this year
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Apple addresses iPhone 11 location services controversy with iOS 13.3.1 toggle
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Audi is leveraging technology to turn your car into a third living space
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How to Watch UFC 246: McGregor vs. Cowboy online with ESPN+
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Apple iPhone XS vs. iPhone XR: Take a bite of an older Apple
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Samsung retains CEOs in annual reshuffle
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Opera accused of offering predatory loans through Android apps
Reliance Jio added 90 million subscribers during 2019 to sit at 370 million
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China's coronavirus outbreak: Everything we know about the deadly new virus - CNET
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