Synopsis: Domenii: Banks & insurance:


www.businessinsider.com_sai 2015 00700.txt.txt

%which could save a lot of money as well as energy. It a feat of engineering that makes the most sense in homes that don't have climate control.


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and that pricing structure will continue with the new feature. The key is that Youtube bets the greater emphasis on this shopping element will make its ads more effective.

For example, Wayfair said it saw a 3x revenue increase per ad impression served over its previous Youtube campaigns.


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print shop frequented by lawyers, banks, and real estate firms. Their speciality was in helping lawyers with what legal types call"discovery,

Logik. com found itself tapped for cases ranging from the sub-prime mortgage crisis to white-collar crime.

Logik. com took in $4. 5 million in revenue and $3 million in profit every year between 2004 and 2009 with only seven employees.

And so, Wilson and team reinvested most of that profit in a second version of the product, without the need for venture financing:

Even without outside investment, Logikcull was able to hire the experts it needed to develop a browser-based, computer-plus-smartphone software solution,

Two months ago, in March 2015, Logikcull took in its first-ever round of venture capital financing:

Logikcull was making money, Wilson says, but wanted the invesment so it could afford to take more risks with the business.


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The company provides a layer of so-called biometric security that lets banks tell who you are just from the way you type,

or pressing a phone screen harder the company will let the bank know it thinks someone else is trying to get into your bank account.

such as mobile bank transfers. CEO Neil Costigan told Business Insider:""You're quite consistent in reflex stuff.

"Behaviosec's tech plugs directly into banks apps and websites, so even if you've never downloaded it you may have used it.

Costigan says it's"very similar to a credit card. You're off at your local Tesco

Behaviosec is used now by"pretty much all"the banks in the Nordics, according to Costigan, with millions of customers using it.

Behaviosec recently raised#5 million (£3. 65 million/$5. 5 million) from investors including UK fund Octopus Ventures

It has signed also a deal with A high Street bank""although Costigan won't say who. While it is focusing on the finance sector for now,

Behaviosec is hoping its smart tech will be adopted in other industries eventually. Costigan says it would help with things like paywalling


www.businessinsider.com_sai 2015 01625.txt.txt

the app or website takes a small payment, with revenue split roughly 30/70 between Blendle and the publisher.

And if readers don't like an article they can get an instant refund if they provide feedback on what wasn't to their liking.

The pricing is set by the individual publisher, but articles cost 20 cents each on average.

It says Blendle has generated more revenue for Dutch publishers where most of its users are based than Apple.

The New york times (which is also an investor in Blendle, alongside the German publisher Axel Springer), The Washington post,

With the ubiquity of free content online, publishers have been experimenting with different ways to make money from their online properties.

and make more money through advertising revenue share deals. On Monday, Apple introduced a News app that competes with the likes of Flipboard


www.businessinsider.com_sai 2015 01669.txt.txt

On Tuesday, Intel's investment arm, Intel Capital, launched a new $125 million fund intended to boost women and minority representation in tech.

and expertise with four startups, including Brit+Co, Carecloud, Mark One, and Venali. ur goal with this new fund is to meaningfully support a technology startup workforce more reflective of society,

and ultimately to benefit Intel and the broader economy through its success,""Intel CEO Brian Krzanich said in a statement.

Most notably, Ellen Pao had accused her former employer, the venture capital firm Kleiner Perkins Caufield & Byers, of gender discrimination, a case

while a mere 3%of total VC money goes to companies with a woman CEO.


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and apps are using subscriptions to boost revenues While ads account for the bulk of revenue at most publishers, music streaming sites,

and on apps, the subscription model is gaining traction. The business model allows digital media companies to provide a premium experience that offers more than the basic, often ad-supported service level.

Subscriptions are enjoying a new prominence as a revenue model for digital content and apps.

Internet companies are exploiting the opportunity to boost ARPU (average revenue per user), helped along by recurring payments from a subscriber base.

In this new and exclusive report from BI Intelligence we look at how prominent players in five separate categories have tried to build a subscription-based revenue stream alongside ad-based businesses:

the categories are video, music, news publishing, social networks/messaging, and dating apps. Access The Full Report And Data sets By Signing Up For A Trial Membership Here are some of the key takeaways:

and opportunities in dialing up the percentage of subscribers and subscription revenue. Here are some of the proportions of subscribers in apps'user bases:

Analyzes the most common subscription-based digital media revenue models Explores the drivers that allows some subscription

or freemium business models to succeed Explains the revenue mix and business opportunities in several key digital media industries Outlines companies that have succeeded with subscription-based business model n


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#Deutsche bank: the China meltdown now looks a lot like the dotcom bubble China's stock markets look like they could be heading for free fall again,

after collapsing around 30%in just four weeks starting in Mid-june. That collapse was compared to the Wall street Crash of 1929, with Bloomberg pointing out the similarity in the trajectory of the fall.

But Deutsche bank says a better analogy for China's meltdown is the bursting of the dotcom bubble in 2000.

Deutsche Bankthe bursting of the dotcom bubble in 2000 mirrors the current stock market meltdown in China.

Deutsche bank says the rise is closer to the surge of the NASDAQ in the late'90s.

And, as with the bursting of the dotcom bubble, it's the rise that's key to understanding the undoing of China's stock markets.

The surge was down to huge numbers of ordinary Chinese people putting money into shares 66 million new retail investment accounts have been opened so far this year, according to Deutsche bank.

Many of these investors also used borrowed money for so-called"leveraged investing.""Deutsche bank say around 10%of the value of Chinese stocks are held by leveraged investors.

REUTERS/China Dailyif the stock is a dog it will eventually come back down to earth.

The flow of all this cash into stock markets pushed up prices because demand was greater than supply.

and prices are now crashing because many businesses are overvalued. All the borrowed money tied up in shares is exacerbating the slump.

People are being forced to sell to pay back the money rather than potentially wait the meltdown out

and hope prices pick up again before cashing out. While all this may explain the initial slump

Deutsche bank's Jim Reid says separately on Tuesday that the return of nosediving stocks on Monday looks"pretty random"the mechanics of the market are screwed

so that it's hard to tell what's going on anymore. That means that while we can look to history for useful comparisons for China's meltdown,


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A quality microscope can cost hundreds of dollars, plus even more to keep it maintained. For labs in developing countries, these costs often lie outside their meager budgets.

properly trained technicians come at a steep price as well. TEDTHE Foldscope is color-coded for easy assembly.


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Eventually, implantable devices could even be tied to your bank account so that you can make transactions, Graafstra said.

Prices for products range from $39 for a basic RFID/NFC glass tag to $99 for a NFC injection kit and take only a few minutes to implant into the hands.


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cellphones with EU plans pay same price everywhere The European union has agreed to end mobile roaming charges within two years

and allow travellers with European phone plans to pay the same price for calls, text messages and data anywhere in the 28 EU nations.

"From April 30, a maximum roaming surcharge of 5 euro cents per minute will be allowed for calls, 2 euro cents for text messages and 5 euro cents per megabyte for data.

It could be applied in cases where a person buys a SIM CARD in a European country with low prices


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Marjie Lynn was looking for ways to save money when she decided to cut ties with her television provider."


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while eventually saving money on salaries through the driverless trains. When he was recently in Istanbul to do a workshop for transit planners,


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and hundreds of millions of dollars are at stake. Growing number of Canadians cutting traditional television, CBC research shows A new report predicts that cord cutting is poised to gain momentum,

The marketing research company also estimates revenue from those same services will decline by 7. 8 per cent over the next five years to $8. 3 billion.

Cutting the cord gets easy'We are going to save money and we are going to have way more choice'-Chris Devine,

"We are going to save money and we are going to have way more choice, "he concludes.


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who said she already used her iphone"constantly"for things like banking and email.""I figured that participating would help my family and friends,


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#India's Largest Bank Commits $12. 5 Billion For Renewable energy Funding Private sector project developers in India rapidly growing renewable energy would be happy to have the backing of the country largest bank

The State bank of india (SBI) has committed to provide $12. 5 billion in debt funding to renewable energy projects over the next few years.

The bank hopes to provide debt financing to 15 GW of renewable energy projects most of which are likely to be based on wind and solar energy.

Indian banks are known to question the financial viability of projects secured at seemingly low tariffs. Solar power projects have received especially unfavourable response from the Indian banks as solar photovoltaic power tariffs have been falling

while wind energy tariffs have risen slowly but steadily over the last few years. The lending rates in India are also significantly higher than other countries.

SBI and other national banks usually provide debt at interest rates as high as 11%to 12%.

%Compared to this, development banks like Kfw and US Export-Import Bank and multilateral banks like Asian Development bank and the International finance corporation provide funding at rates as low as 4%.Over the last few years some private banks in India have signed deals with development banks to provide loans

at concessional rates. The Indian Renewable energy Development Agency (IREDA) is expected also to provide loans at low rates following its recent agreements with the European Investment bank, Japan International Cooperation Agency,

and the US Export-Import Bank. The renewable energy sector in India has faced collateral damage for years due to the poor financial health of the power sector as a whole.

Several power sector companies are reeling under millions of dollars of losses, and banks have exhausted their lending limits to the power sector.

Unfortunately, renewable energy is considered a sub-sector to the power sector for lending purposes in the Indian banking regime.

As a result, the Indian banks are unable to disburse any fresh funds to renewable energy projects.

This announcement by the country largest bank and the recent funding agreement worth $4 billion with the US is expected to boost the growth of the Indian renewable energy sector r


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#Imergy Power systems Introduces Grid-Scale ESP250 Series Flow batteries A new ESP250 series of vanadium flow batteries has been introduced by advanced storage systems leader Imergy Power systems.

Its output capacity is 250 kilowatts (kw), with 1 megawatt-hour (MW) of energy storage capacity.

Multiple batteries can be linked together to create one energy storage platform. When they are linked together, this platform can provide megawatts of power and megawatt-hours of energy.

Microgrid implementation, peaker plant replacement, transmission and distribution investment deferral, backup power system delivery, and renewables management are possible with these new batteries.


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Now consider that legendary investor and noted wind energy fan Warren Buffett reportedly just ditched his interest in Exxonmobil to the tune of 41 million shares,


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but it is actually larger in scope than just one installation at one campus. The project is part of the California Energy Commission $26. 5 million Electric Program Investment Charge (EPIC) program

Annual revenues from microgrid-enabling technologies have been estimated by Navigant Research to exceed $26 billion by 2023.


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and with a curb weight of some 5, 545 pounds, acceleration isn likely to match that of the Tesla Model Swhich you can also hail for taxi in service in London,

It should be noted here that the exchange rates used in the above figures are outdated a bit as of writing this owing to how volatile theye been as of late.

but the savings regardless of the £ to $ exchange rate will be substantial for those driving these fuel efficient vehicles over in London.


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According to the Boston globe, e hopes to eventually reduce prices to $3 to $4 per ride for short trips not that far off from the $2 to $2. 50 cost of a single-ride T fare.


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It is hoping to raise $10 million in a second funding round. The company is already working with several companies,


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while in the 2 GW auction prospective project developers will bid for the least amount of capital cost support they require from the government to set up per unit (viability gap funding or VGF) of solar PV power capacity.

President Obama announced up to $4 billion in low-cost debt financing for Indian renewable energy projects that use US-made equipment.


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#Invest In Solar Farms With New Investor Program From Innovative Solar systems Would you be part of the solar boom for as little as $250, 000 per project?

Solar investment opportunities are getting better and better with easier access to personal participation. Here is a terrific one,

a new solar farm investor program revealed in a press release from Asheville, North carolina. Innovative Solar systems, LLC, is spearheading a plan for diverse investors (all types) to take part in partial ownership of large-scale solar farm projects.

All over the nation, the offer is set for as little as $250, 000 per project open to individuals or groups.

The press release notes that the company new partnership program promotes sharing of profits as a basis for investors to take part

and share rewards in the renewable energy boom. n investor or financial group would purchase a 1/3 ownership interest in an early stage ISS solar farm project for as little as $250,

000 and then realize a notable profit within 128 months when the project is deemed construction ready

eveloping large-scale solar farm projects can be more complex than building skyscrapers For Investor Relations


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so plants like that of Calgren can help diversify the economy while mitigating the dairy farmsenvironmental effects.


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To achieve this target the government organised an investor summit called RE-INVEST. Modi has organised successfully such summits

Image Credit: via#@Reinvest201 v


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#Evercharge Delivers EV Charging Solutions For Apartment Dwellers It no secret that in America and across the world,

all at the same time, could lead to an energy bottleneck that could require tens of thousands of dollars in service upgrades.


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#Big Oil & Gas Embraces Carbon Pricing Six of the world major oil and gas companies have called for national or regional carbon pricing.

Here how the top 10 oil companies in the world stack up by revenue, according to the Fortune Global 500:

We firmly believe that carbon pricing will discourage high carbon options and reduce uncertainty that will help stimulate investments in the right low-carbon technologies and the right resources at the right pace.

We now need governments around the world to provide us with this framework and we believe our presence at the table will be helpful in designing an approach that will be both practical

and a low-carbon economy and have abandoned thus their previous emphasis on threats to their bottom line.

setting out their call for carbon pricing. In it, they also expressed a strong role for natural gas in reducing carbon emissions.

t is not every day that industry leaders urge governments to raise their taxes, but today, six of the oil and gas industry biggest players did just that.


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#ITC 5-Year Extension Is In ew Energy for America Actannouncing its support for legislation extending the Investment Tax credit (ITC) for both residential and commercial solar installations,

the Solar energy Industries Association (SEIA) said it will provide a big boost to the US economy,

the New Energy for America Act (H r. 2412) would extend Section 25d of the federal tax code for residential energy-efficient property,

he solar Investment Tax credit (ITC) is paying huge dividends for America. Resch continued, oday, the US solar industry is pumping $18 billion a year into our economy

and creating tens of thousands of new jobs. By 2016, we will be generating enough clean solar energy nationwide to power 8 million homes

e applaud Congressman Thompson for his continued leadership on issues vital to our economy and environment and thank all of the original cosponsors for joining him in this important effort to build a clean energy future for America. y any measurement,

Providing important market certainty, the ITC encourages companies to make long-term investments that drive competition and technological innovation,

while lowering costs to consumers and spurring the economy. Because of the certainty provided by the ITC and other stable public policies

which will benefit our economy, environment and national security. riginal cosponsors of the legislation include: Reps.


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or retrofitted on existing ships without requiring the vessel potentially multi-million-dollar asseto be out of service,

A growing number of stakeholders are prioritizing efficiency, including charterers (those that rent ships), banks, port authorities,

and ship registries. With this growing prioritization, these parties are starting to shift money towards

and reward more-efficient vessels. For example, today charterers representing 20 percent of global shipped tonnage have policies in place to avoid using the most-inefficient ships based on the GHG Emissions Rating,

Alongside the shift from charterers, shipping banks are starting to acknowledge the development of a two-tier market,

As a result, banks are recognizing the impact that ship efficiency has on assets on their books

As banks encourage efficiency retrofits where they make sense, and demonstrate to shipowners that efficient ships are more profitable,

such as those behind Norsepower and Bore, are demonstrating the viability of efficiency technologiess well as the financial gains they offernd creating greater credibility for emerging technologies.

and investors to boost the profile of low-carbon opportunities and promote investment in the industry.

WHY CHARTERS SHOULD RIDE THIS WAVE Fuel buyers can buttress their balance sheet by adopting fuel-saving technologies,

automatically protecting them from the pressures of a tenuous oil market. What makes the proposition even more enticing is the fact that successful technologies

the industry will reap the rewards of lower fuel costsore sustainable than those from short-term price decreases,


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However, kelp is pretty much on the money in terms of biomimicry. The Biowave wave energy device was inspired by the way that kelp sways and pivots with the movement of ocean swell waves.

Here in the US, wave energy is also getting a huge lift from us taxpayers in the form of a public-private shared test bed at Marine corps Base Hawaii and funding from the Energy department so group hug D


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and within 15 to 30 years not 50 to 100 we risk making serious and damaging mistakes in climate and economic policy, in investment strategy and in geopolitics and defence.

where prices keep falling, quality keeps rising, change is rapid and market disruption is normal and constant.

As a group of technologies, more demand for renewables means lower prices and higher quality constantly evolving for a long time to come.

prices would go up because the newer reserves cost more to develop, such as deep sea oil. They may get cheaper through market shifts,

They are steeped in their analysis that they are the underpinning foundation of the economy which of course they have been.

Energy is the essential foundation of the economy but we now have a better, cheaper way of producing energy.

when you combine nergy as a technologywith most growth in energy demand being in developing economies.

easy to finance, more convenient, popular and clean energy and transport that will get even cheaper over time.

unpopular and dirty technology with increasing prices beat a disruptor that is cleaner, better, lower risk and falls in price every year?

instead paying out spare cash as dividends to shore up their stock price. With everyone doing this,

prices will fall, chasing the declining market, undermining the value of the fossil fuel industry, and reducing its political influence further.

But big oil versus big utilities aligned with big auto is not the only disruptive impact for investors.

battery manufacturers, copper and lithium miners, electronics producers, software developers, electric engine makers, smart grid builders and, of course, solar and wind power manufacturers, installers and financiers.

so they can claim credit. Climate advocates, whose main challenge is speed of action, don need to change their approach.

delivering ever lower prices and ever higher quality in a decadeslong period of innovation and deployment,


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The story recalls a couple of other similar cases such as one at Morgan stanley Children's Hospital of New york-Presbyterian where last year doctors also practiced a complex heart surgery on a 3d model before operating on a baby


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and switched their investments towards clean energy? Change is coming, and it about time. The world largest private bank, UBS, is also urging investors to join the clean, renewable energy movement.

They did so with a statement expressing that power plants in Europe might be completely extinct within the next 10 to 20 year (you can read more about that story here.


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and although the price has not been announced, it's likely to be much cheaper than a pacemaker.

and the NHS is getting very tough on price, even when medication is known to be effective. v


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and then enhancing them using DARPA investment and easily transitioning them via our roles to the scientific community,


www.dailymail.co.uk_sciencetech 2015 01938.txt.txt

It weighs 443 pounds. CHIMP arms are 4. 3 feet long long enough to reach the ground,


www.dailymail.co.uk_sciencetech 2015 01976.txt.txt

whether payment details will be stored in Google Wallet, for example, or need to be entered each time. If it is the former,


www.dailymail.co.uk_sciencetech 2015 02059.txt.txt

#Chinese researchers at Tzekwan Technology unveil face-recognition ATM MACHINE By Edward Chow For Mailonline Published: 13:02 GMT, 1 june 2015 Updated:

13:48 GMT, 1 june 2015 Chinese engineers have developed a cash machine that uses facial features-instead of the traditional PIN number-to identify card owners.

and Hangzhou-based Tzekwan Technology, is able to scan the users'faces to ensure they are the genuine holders of the bank account.

When a user inserts a bank card into the device, the built-in camera will immediately start scanning his or her facial features.

'says a bank spokesman to Shanghai-based Dragon TV. However, this also means only the owner of the card-not even their friends or family-will be able to get money from these cash machines.

Gu Zikun, Chairman of Tzekwan Technology, claims the device is the world's first cash machine to be equipped with the facial recognition function.

Gu says:''Our facial recognition technology has passed the certification by authoritative industry experts and is authorised to be used in the financial services industry.'

'The cash machine also represents China's first independent intellectual property rights in financial security protection. Apart from the innovative recognition system, the device can also exchange Chinese Yuan to as many as 256 foreign currencies.

China's central government has placed an emphasis on information and financial security. Gu Zikun says this new machine has passed its certification

and will soon be used in the market place. e


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#Air force bosses reveal plans for hypersonic planes that could fly from New york to London in an HOUR by 2023 By Mark Prigg For Dailymail. com Published:


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the earbuds were created by New york company Doppler Labs. The company is currently seeking £160, 000 ($250, 000) of funding on Kickstarter.


www.dailymail.co.uk_sciencetech 2015 02248.txt.txt

Breakthrough material clots like blood to help surfaces repair themselves Tiny cracks on the wings of aircraft can lead to jets being grounded at a cost of millions of pounds.


www.dailymail.co.uk_sciencetech 2015 02364.txt.txt

with more than £60 million ($94 million) of funding to find uses for the substance f


www.dailymail.co.uk_sciencetech 2015 02388.txt.txt

and are expected to cost less than half a million dollars each, the BBC reported. The first 10 satellites will be built at Airbusfactory in Toulouse


www.dailymail.co.uk_sciencetech 2015 02607.txt.txt

and weighs around 1, 400 pounds. Divergent Microfactories plans to sell a limited number of high-performance vehicles that will be manufactured in its own microfactory.


www.dailymail.co.uk_sciencetech 2015 02724.txt.txt

A team in Gridley California, is raising money on Indiegogo to put the safety device into production


www.dailymail.co.uk_sciencetech 2015 02859.txt.txt

Dr. Alpert Bozkurt, an assistant professor of electrical and computer engineering, says that the technology offers everyday people an opportunity to bond with their dogs

and we're excited about using it to improve the bond between dogs and their humans,'says Dr. Barbara Sherman,


www.dailymail.co.uk_sciencetech 2015 02930.txt.txt

which is a common cause of human genetic deafness, accounting for 4 to 8 percent of cases.


www.dailymail.co.uk_sciencetech 2015 03170.txt.txt

477 Price: from £59, 995 ($93, 337)' We saw firsthand that when you sat in the passenger seat with a professional driver taking you around the track,


www.designboom.com_technology 2015 00105.txt.txt

and other types materials to the electroloom soon. the project is currently looking for funding on kickstarter,

centered on raising money on developer kits, with a pledge deadline on June 15, 2015. image of the fabric microstructure the prototype interface a sample of the printed fabri


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