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WhatsApp eyes credit feature for users in India

WhatsApp, which began testing its mobile payments feature in India two years ago, could offer at least one more financial service to people in its biggest market.
In a filing with the local regulator in India, the company has listed credit as one of the areas it will pursue in the country. The Facebook -owned service declared with the local regulator earlier this month providing credit or loans as one of the “main objects to be pursued by it in the country.” No other financial service is listed in the filing.
At an event in Bangalore late last year, Abhijit Bose, WhatsApp’s head in India, said he believed that the mobile payments market in India, which has attracted dozens of local and international firms in recent years, is still at a very early stage in the country and may eventually see firms move beyond just offering a way for people to send money to one another.
WhatsApp has yet to receive approval from New Delhi for a nationwide rollout of Pay in India. Local media reports claimed earlier this year that WhatsApp had started to expand Pay’s reach in the country in various phases.
Ajit Mohan, a Facebook VP and India head, told TechCrunch in an interview last week that only 1 million WhatsApp users in India, same as before, have access to its mobile payment service.
Dozens of payment services in India have expanded to credit, or online lending, in recent quarters as they search for a business model in the country. A number of firms, including Paytm, India’s most-valued startup, and MobiKwik today offer small ticket credit to millions of users in India.
Tens of millions of users have started to digitally transact money in India in recent years. But the local payments body has removed most of the fees they could levy on banks and merchants to make money. The move has resulted in firms exploring other financial services, such as credit and insurance and target merchants to make money.
This year, Paytm has expanded to serve merchants, launching new gadgets such as a stand that displays QR check-out codes that comes with a calculator and a battery pack, a portable speaker that provides voice confirmations of transactions and a point-of-sale machine with built-in scanner and printer.
The Alibaba and SoftBank-backed company is offering these gadgets as part of a subscription service that helps it establish a steady flow of revenue. Paytm’s Money arm, which offers lending, insurance and investing services, has amassed more than 3 million users.
Flipkart’s PhonePe, another major player in India’s payments market, today serves more than 175 million users and over 8 million merchants. Its app serves as a platform for other businesses to reach users. The company is currently not taking a cut for the real estate on its app.
WhatsApp’s expansion in mobile payments in India, estimated to grow to $1 trillion by 2023 (according to Credit Suisse), could create new challenges for the aforementioned players.
Facebook, which like other American tech giants counts India as one of its biggest markets but makes considerably less revenue in the world’s second largest market, “reaffirmed” its commitment to India this month.
The social giant invested $5.7 billion in Reliance Jio Platforms this month to acquire a 9.99% stake in the Indian telecom giant. Over the weekend, JioMart, an e-commerce venture run by Jio’s parent firm, began testing an “ordering system” on WhatsApp, teasing the first peek at the collaboration between Facebook and Indian telecom giant Reliance Jio Platforms.

WhatsApp eyes credit feature for users in India

Facebook to launch ‘virtual dating’ over Messenger for Facebook Dating users

Facebook will soon allow users to go on “virtual dates,” the company announced today. The social network is planning to introduce a new video calling feature that will allow users of its Facebook Dating service to connect and video call over Messenger, as an alternative to going on a real-world date. This sort of feature is much in demand amid the coronavirus pandemic, which has forced people to stay home and practice social distancing.
But for online dating apps, which aim to connect people in the real world, it’s a significant challenge for their business.
For the time being, government lockdowns have limited the places where online daters could meet up for their first date. Restaurants, malls, bars and other retail establishments are closed across regions impacted by the coronavirus outbreak. But even when those restrictions lift, many online dating app users will be wary of meeting up with strangers for those first-time, getting-to-know-you dates. Video chat offers a safer option to explore potential connections with their matches.
When the new Facebook Dating feature goes live, online daters will be able to invite a match to a virtual date. The recipient can either choose to accept or decline the offer via a pop-up that appears.

If they accept, the Facebook Dating users will be connected in a video chat powered by Facebook Messenger in order to get to know one another.
As the feature is still being developed, Facebook declined to share more specific details about how it will work, in terms of privacy and security features.
Facebook is not the first online dating service to pivot to video as a result of the pandemic. But many rival dating apps were adopting video features well before the coronavirus struck, as well.
Bumble, for example, has offered voice and video calling in its app for roughly a year. The feature there works like a normal phone call or Apple’s FaceTime. However, users don’t have to share their phone number or other private information, like an email address, which makes it safer.
The company says use of the feature has spiked over the last two months as users embrace virtual dating.
Meanwhile, Match Group has more recently rolled out video across a number of the dating apps it operates.
This month, the Match app added video chat that allows users who have already matched to connect over video calls. Match-owned Hinge also rolled out a “Dating from Home” prompt and is preparing its own live video date feature, as well, Match says. Plenty of Fish (PoF), another Match property, launched live-streaming in March, giving singles a new way to hang out with friends and potential matches.
Match Group’s flagship app Tinder has not yet embraced live video dates, but still offers a way for users to add video to their profiles. The company couldn’t comment on whether or not video dating was in the works for Tinder, but in the post-COVID era, it would be almost bizarre to not offer such feature.
Other dating apps have also launched video dating, including eHarmony and a number of lesser-known dating apps hoping to now gain traction for their video dating concepts.
Facebook says the feature will roll out in the months ahead and will be available everywhere Facebook Dating is available.

Facebook to launch ‘virtual dating’ over Messenger for Facebook Dating users

Facebook Messenger preps Auto Status location type sharing

Facebook Messenger could soon automatically tell your closest friends you’re at the gym, driving or in Tokyo. Messenger has been spotted prototyping a ported version of the Instagram close friends-only Threads app’s Auto Status option that launched in October.
The unreleased Messenger feature would use your location, accelerometer and battery life to determine what you’re up to and share it with a specific subset of your friends. But instead of sharing your exact coordinates, it overlays an emoji on your Messenger profile pic to indicate that you’re at the movies, biking, at the airport or charging your phone.

It’s unclear if or when Messenger might launch Auto Status. But if released, the feature could become Facebook’s version of the AOL Away Message, allowing people to stay in closer touch without the creepiness of exact location sharing. It might also help people coordinate online or offline meetups by revealing what friends are up to. Auto Status creates an ice breaker, so if it says a close friend is “at a cafe,” or “chilling,” you could ask to hang out.
Back in 2016, I wrote about how exact location sharing had failed to become mainstream because knowing where someone is doesn’t tell you their intention. What matters is whether they’re free to interact with you, which none of the social networks offered.

The quest to cure loneliness

A few products, like Down To Lunch and Free, came and went in the meantime. Snapchat’s Snap Map and its acquisition of Zenly both doubled down on precise location sharing, yet still we’re often stuck home wondering if anyone we care about is similarly bored and might want to hang out.
Facebook has been experimenting in this space since at least early 2018, when its manual Emoji Status was spotted. That allowed you to append an emoji of your choosing to your Messenger profile pic. Then in October, Facebook introduced Auto Status, but only in the Instagram side-app Threads.

Some users were initially creeped out by the idea of Facebook relaying battery status. But Instagram director of Product Management Robby Stein explained to me that because you might not respond to a message if your phone goes dead or is left on the charger, it’s useful info to relay to friends who might be wondering what you’re doing.
Then earlier this month, reverse engineering master and constant TechCrunch tipster Jane Manchun Wong revealed a new, unreleased version of Emoji Status hidden in Messenger’s Android code. Then today, Wong showed off how she similarly spotted Facebook trying to port Auto Status to Messenger. That would bring the feature to more than one billion monthly users compared to the relatively small base for Threads.
With Auto Status, you can “Let specific friends see what you’re up to as you go about your day. Share location info, weather, and more, even when you’re not in the app.” Auto Status is only visible to a special list of friends you can change at any time, similar to Instagram Close Friends. And the feature shares “no addresses or place names. Just types of locations, like “at a cafe.” Movement (driving, biking, walking), venue (at the movies, airport), cities (in Tokyo) and battery status (low battery, charging) are some of categories of what Auto Status shares.
A Facebook Messenger communications representative confirmed to TechCrunch that the Auto Status feature was being prototyped by Messenger, noting that “We’re always exploring new features to improve your Messenger experience. This feature is still in early development and not externally testing.” The company also tweeted the statement.

One of the biggest unsolved problems in social networking and messaging remains knowing whether friends are free to chat or hang out without having to ask them directly. Reaching out at the wrong time only to be ignored or rejected can feel awkward or intimidating, and can discourage connection later. But if you have a vague idea of what a close friend is up to, you can more deftly plan when to message them, and be more likely to get to spend time together in person or just online.
That could be a cure to the loneliness that endless feed scrolling by ourselves can leave us feeling.

Instagram launches Threads, a Close Friends chat app with auto-status

Facebook Messenger preps Auto Status location type sharing

Under quarantine, media is actually social

The flood of status symbol content into Instagram Stories has run dry. No one is going out and doing anything cool right now, and if they are, they should be shamed for it. Beyond sharing video chat happy hour screenshots and quarantine dinner concoctions, our piece-by-piece biographies have ground to a halt. Oddly, what remains feels more social than social networks have in a long time.
With no source material, we’re doing it live. Coronavirus has absolved our desire to share the recent past. The drab days stuck inside blur into each other. The near future is so uncertain that there’s little impetus to make plans. Why schedule an event or get excited for a trip just to get your heartbroken if shelter-in-place orders are extended? We’re left firmly fixed in the present.
A house-arrest Houseparty, via StoicLeys
What is social media when there’s nothing to brag about? Many of us are discovering it’s a lot more fun. We had turned social media into a sport but spent the whole time staring at the scoreboard rather than embracing the joy of play.
But thankfully, there are no Like counts on Zoom .
Nothing permanent remains. That’s freed us from the external validation that too often rules our decision making. It’s stopped being about how this looks and started being about how this feels. Does it put me at peace, make me laugh, or abate the loneliness? Then do it. There’s no more FOMO because there’s nothing to miss by staying home to read, take a bath, or play board games. You do you.
Being social animals, what feels most natural is to connect. Not asynchronously through feeds of what we just did. But by coexisting concurrently. Professional enterprise technology for agenda-driven video calls has been subverted for meandering, motive-less togetherness. We’re doing what many of us spent our childhoods doing in basements and parking lots: just hanging out.
It’s time to Houseparty
For evidence, just look at group video chat app Houseparty, where teens aimlessly chill with everyone’s face on screen at once. In Italy, which has tragically been on lock down since COVID-19’s rapid spread in the country, Houseparty wasn’t even in the top 1500 apps a month ago. Today it’s the #1 social app, and the #2 app overall second only to Zoom which is topping the charts in tons of countries.
Houseparty topped all the charts on Monday, when Sensor Tower tells TechCrunch the app’s download rate was 323X higher than its average in February. As of yesterday it was #1 in Portugal (up 371X) and Spain (up 592X), as well as Peru, Argentina, Chile, Austria, Belgium, and the U.K. I despite being absent from the chart a week earlier. Apptopia tells me Houseparty saw 25 downloads in Spain on March 1st and 40,000 yesterday.
Houseparty rockets to #1 in many countries
A year ago Houseparty was nearly dead, languishing at #245 on the US charts before being acquired by Fortnite-maker Epic in June. Our sudden need for unmediated connection has brought Houseparty roaring back to life, even if Epic has neglected to update it since July.
“Houseparty was designed to connect people in the most human way possible when they are physically apart” the startup’s co-founder Ben Rubin tells me. “This is a time of isolation and uncertainty for us all. I’m grateful that we created a product that gives a sense of human connection to millions people during this critical moment.”
Around the world, apps for direct connection are spiking. Google Hangouts rules in Sweden. Discord for chat while gaming is #1 in France. Slack clone Microsoft Teams is king in the Netherlands. After binging through Netflix, all that’s left to entertain us is each other.
Undivided By Geography
If we’re all stuck at home, it doesn’t matter where that home is. We’ve been released from the confines of which friends are within a 20 minute drive or hour-long train. Just like students are saying they all go to Zoom University since every school’s classes moved online, we all now live in Zoom Town. All commutes have been reduced to how long it takes to generate an invite URL.
Nestled in San Francisco, even pals across the Bay in Berkeley felt far away before. But this week I had hour-long video calls with my favorite people who typically feel out of reach in Chicago and New York. I spent time with babies I hadn’t met in person. And I kept in closer touch with my parents on the other coast, which is more vital and urgent than ever before.
Playing board game Codenames over Zoom with friends in New York and North Carolina
Typically, our time is occupied by acquaintances of circumstance. The co-workers who share our office. The friends who happen to live in the neighborhood. But now we’re each building a virtual family completely of our choosing. The calculus has shifted from who is convenient or who invites us to the most exciting place, to who makes us feel most human.
Even celebrities are getting into it. Rather than pristine portraits and flashy music videos, they’re appearing raw, with crappy lighting, on Facebook and Instagram Live. John Legend played piano for 100,000 people while his wife Chrissy Teigen sat on screen in a towel looking salty like she’s heard “All Of Me” far too many times. That’s more authentic than anything you’ll get on TV.
And without the traditional norms of who we are and aren’t supposed to call, there’s an opportunity to contact those we cared about in a different moment of our lives. The old college roommate, the high school buddy, the mentor who gave you you’re shot. If we have the emotional capacity in these trying times, there’s good to be done. Who do you know who’s single, lives alone, or resides in a city without a dense support network?
Reforging those connections not only surfaces prized memories we may have forgotten, but could help keep someone sane. For those who relied on work and play for social interaction, shelter-in-place is essentially solitary confinement. There’s a looming mental health crisis if we don’t check in on the isolated.
The crisis language of memes
It can be hard to muster the energy to seize these connections, though. We’re all drenched in angst about the health impacts of the virus and financial impacts of the response. I certainly spent a few mornings sleeping in just to make the days feel shorter. When all small talk leads to rehashing our fears, sometimes you don’t have anything to say.
Luckily we don’t have to say anything to communicate. We can share memes instead.
My father-in-law sent me this. That’s when you know memes have become the universal language
The internet’s response to COVID-19 has been an international outpour of gallow’s humor. From group chats to Instagram joke accounts to Reddit threads to Facebook groups like quarter-million member “Zoom Memes For Quaranteens”, we’re joining up to weather the crisis.
A nervous laugh is better than no laugh at all. Memes allow us to convert our creeping dread and stir craziness into something borderline productive. We can assume an anonymous voice, resharing what some unspecified other made without the vulnerability of self-attribution. We can dive into the creation of memes ourselves, killing time under house arrest in hopes of generating smiles for our generation. And with the feeds and Stories emptied, consuming memes offers a new medium of solidarity. We’re all in this hellscape together so we may as well make fun of it.

The web’s mental immune system has kicked into gear amidst the outbreak. Rather than wallowing in captivity, we’ve developed digital antibodies that are evolving to fight the solitude. We’re spicing up video chats with board games like Codenames. One-off livestreams have turned into wholly online music festivals to bring the sounds of New Orleans or Berlin to the world. Trolls and pranksters are finding ways to get their lulz too, Zoombombing webinars. And after a half-decade of techlash, our industry’s leaders are launching peer-to-peer social safety nets and ways to help small businesses survive until we can be patrons in person again.
Rather than scrounging for experiences to share, we’re inventing them from scratch with the only thing we’re left with us in quarantine: ourselves. When the infection waves pass, I hope this swell of creativity and in-the-moment togetherness stays strong. The best part of the internet isn’t showing off, it’s showing up.

Under quarantine, media is actually social

Instagram prototypes Snapchat-style disappearing text messages

Instagram is finally preparing to copy Snapchat’s most popular feature, and one of the few it hasn’t already cloned. Instagram has prototyped an unreleased ephemeral text messaging feature that clears the chat thread whenever you leave it, a Facebook spokesperson confirms to TechCrunch. That could make users more comfortable with having rapid-fire, silly, vulnerable, or risque chats, thereby driving up the reply notifications that keep people opening Instagram all day long.

Instagram already has disappearing photo and video messaging which it launched in February 2018 to let users choose if chat partners can “view once”, “allow replay” multiple times for a limited period, or “keep in chat” permanently. Technically you could use the Create mode for overlaying words on a colored background to send an ephemeral text, but otherwise you have to use the “Unsend” feature which notifies other people in the thread.
But today, reverse engineering specialist and TechCrunch’s favorite tipster Jane Manchun Wong unearthed something new. Buried in the code of the Android app is the a new “” mode, labeled in the code with the ‘speak-no-evil’ monkey emoji.
How Instagram Disappearing Messages Work
When users enter this mode by swiping up from Instagram Direct message thread, they’re brought to a dark mode messaging window that starts as an empty message thread. When users close this window, any messages from them or their chat partners disappear. The feature works similarly to Snapchat, which clears a chat after all members of a thread have viewed it and closed the chat window.
Here’s how Instagram disappearing messages work
The ephemeral messaging feature is not currently not publicly available but a Facebook spokesperson confirms to me that they are working on it internally. “We’re always exploring new features to improve your messaging experience. This feature is still in early development and not testing externally.” The company later tweeted the confirmation. They gave no indication of a timeline for if or when this might officially launch. Some features never make it out of the prototype phase, but others including many spotted by Wong end up being rolled out several months later.
Instagram has seen great success using Snapchat as a product R&D lab. Instagram’s version of Stories rocketed to 500 million daily users compared to just 218 million users on Snapchat as a whole.

But ephemeral messaging has kept Snapchat relevant. Back in late 2017, just 51 million of Snapchat’s 178 million users were posting Stories per day, and that was when Instagram Stories was still in its first year on the market. According to Statista, Snapchat’s top use case is staying in touch with friends and family, not entertainment.
Instagram Stories caused Snapchat to start shrinking at one point, but now it’s growing healthily again. That may signaled that Instagram still had more work to do to steal Snap’s thunder. But Instagram’s existing version of ephemeral messaging that is clunkier, Facebook scrapped a trial of a similar feature, and WhatsApp’s take that started testing in October hasn’t rolled out yet.
That’s left teens to stick with Snapchat for fast-paced communication they don’t have to worry about coming back to haunt them. If Instagram successfully copies this feature too, it could reduce the need for people to stay on Snapchat while making Instagram Direct more appealing to a critical audience. Every reply and subsequent alert draws users deeper into Facebook’s web.

Instagram prototypes Snapchat-style disappearing text messages