Архив рубрики: Apps

UK gives up on centralized coronavirus contacts-tracing app — will ‘likely’ switch to model backed by Apple and Google

The UK has given up building a centralized coronavirus contacts-tracing app and will instead switch to a decentralized app architecture, the BBC has reported. This suggests its any future app will be capable of plugging into the joint ‘exposure notification’ API which has been developed in recent weeks by Apple and Google.
The UK’s decision to abandon a bespoke app architecture comes more than a month after ministers had been reported to be eyeing such a switch. They went on to award a contract to an IT supplier to develop a decentralized tracing app in parallel as a backup — while continuing to test the centralized app, which is called NHS COVID-19.
At the same time, a number of European countries have now successfully launched contracts-tracing apps with a decentralized app architecture that’s able to plug into the ‘Gapple’ API — including Denmark, Germany, Italy, Latvia and Switzerland. Several more such apps remain in testing. While EU Member States just agreed on a technical framework to enable cross-border interoperability of apps based on the same architecture.
Germany — which launched the decentralized ‘Corona Warning App’ this week — announced its software had been downloaded 6.5M times in the first 24 hours. The country had initially appeared to favor a centralized approach but switched to a decentralized model back in April in the face of pushback from privacy and security experts.
The UK’s NHS COVID-19 app, meanwhile, has not progressed past field tests, after facing a plethora of technical barriers and privacy challenges — as a direct consequence of the government’s decision to opt for a proprietary system which uploads proximity data to a central server, rather than processing exposure notifications locally on device.
Apple and Google’s API, which is being used by all Europe’s decentralized apps, does not support centralized app architectures — meaning the UK app faced technical hurdles related to accessing Bluetooth in the background. The centralized choice also raised big questions around cross-border interoperability, as we’ve explained before. Questions had also been raised over the risk of mission creep and a lack of transparency and legal certainty over what would be done with people’s data.
So the UK’s move to abandon the approach and adopt a decentralized model is hardly surprising — although the time it’s taken the government to arrive at the obvious conclusion does raise some major questions over its competence at handling technology projects.
Michael Veale, a lecturer in digital rights and regulation at UCL — who has been involved in the development of the DP3T decentralized contacts-tracing standard, which influenced Apple and Google’s choice of API — welcomed the UK’s decision to ditch a centralized app architecture but questioned why the government has wasted so much time.
“This is a welcome, if a heavily and unnecessarily delayed, move by NHSX,” Veale told TechCrunch. “The Google -Apple system in a way is home-grown: Originating with research at a large consortium of universities led by Switzerland and including UCL in the UK. NHSX has no end of options and no reasonable excuse to not get the app out quickly now. Germany and Switzerland both have high quality open source code that can be easily adapted. The NHS England app will now be compatible with Northern Ireland, the Republic of Ireland, and also the many destinations for holidaymakers in and out of the UK.”
Perhaps unsurprisingly, UK ministers are now heavily de-emphasizing the importance of having an app in the fight against the coronavirus at all.
The Department for Health and Social Care’s, Lord Bethell, told the Science and Technology Committee yesterday the app will not now be ready until the winter. “We’re seeking to get something going for the winter, but it isn’t a priority for us,” he said.
Yet the centralized version of the NHS COVID-19 app has been in testing in a limited geographical pilot on the Isle of Wight since early May — and up until the middle of last month health minister, Matt Hancock, had said it would be rolled out nationally in mid May.
Of course that timeframe came and went without launch. And now the prospect of the UK having an app at all is being booted right into the back end of the year.
Compare and contrast that with government messaging at its daily coronavirus briefings back in May — when Hancock made “download the app” one of the key slogans — and the word ‘omnishambles‘ springs to mind…
NHSX relayed our request for comment on the switch to a decentralized system and the new timeframe for an app launch to the Department of Health and Social Care (DHSC) — but the department had not responded to us at the time of publication.
Earlier this week the BBC reported that a former Apple executive, Simon Thompson, was taking charge of the delayed app project — while the two lead managers, the NHSX’s Matthew Gould and Geraint Lewis — were reported to be stepping back.
Back in April, Gould told the Science and Technology Committee the app would “technically” be ready to launch in 2-3 weeks’ time, though he also said any national launch would depend on the preparedness of a wider government program of coronavirus testing and manual contacts tracing. He also emphasized the need for a major PR campaign to educate the public on downloading and using the app.
Government briefings to the press today have included suggestions that app testers on the Isle of Wight told it they were not comfortable receiving COVID-19 notifications via text message — and that the human touch of a phone call is preferred.
However none of the European countries that have already deployed contacts-tracing apps has promoted the software as a one-stop panacea for tackling COVID-19. Rather tracing apps are intended to supplement manual contacts-tracing methods — the latter involving the use of trained humans making phone calls to people who have been diagnosed with COVID-19 to ask who they might have been in contact with over the infectious period.
Even with major resource put into manual contacts-tracing, apps — which use Bluetooth signals to estimate proximity between smartphone users in order to calculate virus expose risk — could still play an important role by, for example, being able to trace strangers who are sat near an infected person on public transport.
Update: The DHSC has now issued a statement addressing reports of the switch of app architecture for the NHS COVID-19 app — in which it confirms, in between reams of blame-shifting spin, that it’s testing a new app that is able to plug into the Apple and Google API — and which it says it may go on to launch nationally, but without providing any time frame.
It also claims it’s working with Apple and Google to try to enhance how their technology estimates the distance between smartphone users.
“Through the systematic testing, a number of technical challenges were identified — including the reliability of detecting contacts on specific operating systems — which cannot be resolved in isolation with the app in its current form,” DHSC writes of the centralized NHS COVID-19 app.
“While it does not yet present a viable solution, at this stage an app based on the Google / Apple API appears most likely to address some of the specific limitations identified through our field testing.  However, there is still more work to do on the Google / Apple solution which does not currently estimate distance in the way required.”
“Based on this, the focus of work will shift from the current app design and to work instead with Google and Apple to understand how using their solution can meet the specific needs of the public,” it adds. 
We reached out to Apple and Google for comment. Apple declined to comment.
According to one source, the UK has been pressing for the tech giants’ API to include device model and RSSI info alongside the ephemeral IDs which devices that come into proximity exchange with each other — presumably to try to improve distance calculations via a better understanding of the specific hardware involved.
However introducing additional, fixed pieces of device-linked data would have the effect of undermining the privacy protections baked into the decentralized system — which uses ephemeral, rotating IDs in order to prevent third party tracking of app users. Any fixed data-points being exchanged would risk unpicking the whole anti-tracking approach.
Norway, another European country which opted for a centralized approach for coronavirus contacts tracing — but got an app launched in mid April — made the decision to suspend its operation this week, after an intervention by the national privacy watchdog. In that case the app was collecting both GPS and Bluetooth —  posing a massive privacy risk. The watchdog warned the public health agency the tool was no longer a proportionate intervention — owing to what are now low levels of coronavirus risk in the country.

UK gives up on centralized coronavirus contacts-tracing app — will ‘likely’ switch to model backed by Apple and Google

Revolut expands bank account aggregation to Ireland

Fintech startup Revolut has expanded its open banking feature to Ireland. The feature first launched in the U.K. back in February. Once again, the startup is partnering with TrueLayer to let you add third-party bank accounts to your Revolut account.
The feature launch also marks the launch of TrueLayer in Ireland. For now, Revolut users can only link their Revolut account with AIB, Permanent TSB, Ulster Bank and Bank of Ireland. Revolut and TrueLayer will add support to other banks in the future. Revolut currently has 1 million customers in the Republic of Ireland.
The idea behind open banking is quite simple. Many online services rely on application programming interfaces (APIs) to talk to each other. You can connect with your Facebook account on many online services, you can interact with other services from Slack, etc.
Financial institutions have been lagging behind on this front, but it is changing thanks to new regulation and technical updates. With open banking, your bank account should work more like a traditional internet service.
When you connect your bank account with Revolut, you can view your balance and past transactions from a separate tab that lists all your linked accounts. Users can also take advantage of Revolut’s budgeting features with their bank accounts.
As TechCrunch’s Steve O’Hear noted when he first covered Revolut’s open banking feature, Revolut was originally authorized for Account Information Services (AIS) by the U.K. regulator, the Financial Conduct Authority. It lets you access and display information from other financial institutions.
But the startup now has permission to carry out Payment Initiation Services (PIS). It means that you’ll soon be able to initiate transfers from your bank account directly from Revolut. It should make it much easier to top up your Revolut balance, for instance.
While this feature might seem anecdotal, Revolut wants to build a comprehensive financial hub for all your financial needs — a sort of super app for everything related to money. With open banking, you theoretically no longer have to open your traditional banking app.
Image Credits: Revolut

Revolut expands bank account aggregation to Ireland

Daily Crunch: WhatsApp launches payments

WhatsApp is adding support for in-app payments, Apple is upgrading the MacBook Pro and Mac Pro desktop and we argue about the future of startup hubs.
Here’s your Daily Crunch for June 15, 2020.
1. WhatsApp finally launches payments, starting in Brazil
After months of talks and trials, WhatsApp has finally pulled the trigger on payments. Users in Brazil will be the first to be able to send and receive money through the messaging app, using Facebook Pay.
WhatsApp says that the payments service — which currently is free for consumers to use, but comes with a 3.99% processing fee for businesses receiving payments — will work by way of a six-digit PIN or fingerprint to complete transactions.
2. Apple adds new MacBook Pro graphics option and Mac Pro SSD upgrade kit
A week before kicking off WWDC, Apple introduced a pair of upgrades to its pro-level hardware lines. Both the 16-inch MacBook Pro and the Mac Pro desktop are getting select internal upgrades, starting today.
3. 3 perspectives on the future of SF and NYC as startup hubs
Three TechCrunch writers address one of the big questions about the future: Will tech continue to centralize in hubs like San Francisco and New York City, or will remote work and all the other second-order effects lead to a more decentralized startup ecosystem? (Extra Crunch membership required.)
4. Interstellar Technologies’ privately developed MOMO-5 rocket falls short of reaching space
The company first launched a vehicle in 2017, but the launch didn’t go exactly as planned and failed to reach space. In 2019, its MOMO-3 sounding rocket did break the Karman line, though just barely, and unfortunately its MOMO-5 sounding rocket launched over the weekend did not make space, as planned.
5. Introducing The Exchange, your daily dive into the private markets
The Exchange is Alex Wilhelm’s regular dive into the financial side of the startup world, and how the public markets exert gravity (or lift) on private companies. These themes might sound familiar to Daily Crunch readers, since we’ve linked to plenty of Alex’s pieces, but now it’s an official column with an official name.
6. Tesla’s US-made Model 3 vehicles now come equipped with wireless charging and USB-C ports
Tesla Model 3 vehicles produced at its Fremont, Calif. factory will reportedly come standard with a wireless charging pad and USB-C ports, upgrades that were first spotted by Drive Tesla Canada.
7. This week’s TechCrunch podcasts
The latest full-length episode of Equity discusses Facebook’s new startup venture fund, while the Monday news roundup covers the latest problems at Quibi. Over at Original Content, we review the latest season of “Queer Eye.”
The Daily Crunch is TechCrunch’s roundup of our biggest and most important stories. If you’d like to get this delivered to your inbox every day at around 9am Pacific, you can subscribe here.

Daily Crunch: WhatsApp launches payments

Snap lets you play as your Bitmoji in third-party games

Snap is announcing at its Snap Partner Summit that the first games that will take advantage of Bitmoji will roll out soon. The feature was announced last year, and it looks like developers can finally take advantage of that SDK. You’ll be able to play a game with you as the hero — or at least the Bitmoji representation of you.
While this feature is reminiscent of Xbox Avatars or Nintendo’s Mii on the Wii, 3DS and Wii U, Bitmoji for Games is a cross-platform solution, from mobile games to console games and PC games. The issue with console-specific avatars is that you can’t support Xbox Avatars on PlayStation consoles for instance — that could be the reason why console manufacturers have been slowly phasing out those avatars. Bitmoji for Games could potentially solve that issue.
Having said that, the initial list of partners only includes mobile games on iOS and Android. Games include Super Brawl Universe from Nickelodeon and Playsoft, Uno from Mattel, Scrabble GO from Scopely and a soon-to-be-announced game from French startup Voodoo.
Let’s hope that Snap will be able to expand its list of partners beyond board games and casual mobile games. For instance, I would totally see Bitmoji for Games in Just Dance.
Here’s a concept video presenting the feature. As you can see, you just have to connect with your Snapchat account to import your Bitmoji to third-party games:

In other news, Snap is adding more games to Snapchat. There are already more than a dozen games that you can play with your friends when you’re chatting with them. Some of them are built in-house while others are developed by third-party game makers.
According to the company, 100 million Snapchat users have played a game since the feature launched last year. On average, users who choose to play Bitmoji Party, a Mario Party-inspired game that lets you compete with your friends in mini-games, spend 20 minutes in the game in a given day.
There’s a direct correlation between engagement and monetization as Snap doesn’t rely on micro-transactions and in-app purchases with Snap Games. The company monetizes this feature with video ads.
“We took a look at the state of mobile gaming a few years back and observed that so many successful games on mobile didn’t have your friends that deeply integrated into the experience,” Director of Product Will Wu told TechCrunch. “There’s a lot of games you just play solo on the bus or on the airplane or something like that. For us, we were really looking to recreate that experience that we may have had growing up, sitting side by side with our friends playing a game on a couch together. You’re actually looking at the same screen.”
The most interesting new game that the company will release in the coming months is Bitmoji Paint. This game is a sort of casual Minecraft-inspired creativity game. Users play together on the same planet and can paint tiles on the ground. It lets you create pixel art and look at other creations.

Other new games include Bumped Out (Zynga), Friend Quizzes (Game Closure), Ready Set Golf! (PikPok) and Sling Racers (Madbox). They will be released over the coming months.

Snap lets you play as your Bitmoji in third-party games

Challenger bank Bnext revamps rewards for purchases in partner stores

Spanish startup Bnext is revamping its cashback program so that you can buy from partner stores directly from the Bnext app and get some money back. The company has partnered with Button and the feature is available as an open beta.
Traditional cashback portals are a bit clunky. When you find an offer that gives you 2% of your money back, you click on the offer, get redirected to the partner site and hope that your purchase will be registered. A bit later, you get some money back on the cashback website, which you need to cash out to your bank account.
If you’re using Bnext as your bank account, you’ll be able to access rewards directly from your banking app. In addition to that, you don’t get redirected to another site as you purchase goods directly from the Bnext app.
There are multiple levels. If you’re making your first purchase through the feature, you get 1% in savings on average. If you’ve made more than three purchases over the past 30 days, you get 3% in savings on average. In order to reach level 3, you need a premium Bnext subscription. With that level, you get 5% in savings on average.
Partners include AliExpress, Booking.com, eDreams, Europcar, Nike, Just Eat and more. Eventually, the startup wants to let you earn rewards from in-store purchases as well. Bnext is creating a new revenue stream with this feature as the startup will keep a share of the revenue from each transaction.

Bnext provides current accounts and payment cards. You can receive notifications for each transaction with your card, and temporarily lock and unlock your card. You don’t pay any foreign transaction fee as long as you spend less than €2,000 per month with a standard account.
The company has also put together a marketplace of fintech products. You can earn interest by lending money to small companies on October, get a loan, an insurance product and more.
Earlier this year, the startup expanded to Mexico. The company plans to roll out rewards in Mexico soon. Bnext has managed to attract a bit less than 400,000 users.

Challenger bank Bnext revamps rewards for purchases in partner stores