New journey apps match you with the journeys you actually need or can afford

Die neue Reise-App Elude bringt Benutzer und ihr Budget mit erschwinglichen Reisen zusammen.

Herman Sheer | Entziehen

Denken Sie darüber nach, endlich Urlaub zu machen, sind sich aber nur Ihr Budget sicher? Wie wäre es nur mit Ihren bevorzugten Aktivitäten oder dass Sie diese mit Treuepunkten bezahlen möchten?

Dafür gibt es mittlerweile Reise-Apps – oder werden es bald sein.

Ein neuer “Reiseentdeckungs- und Buchungsservice” namens Entziehen, das am 5. August seine mobile App auf den Markt gebracht hat, zielt darauf ab, aufgeschlossene Reisende mit einem festen Dollarbetrag mit Reisen zusammenzubringen, die sowohl zu Budget als auch zu Interessen passen.

Inzwischen ist das neue Una Reise-App von der Startup-Firma XOKind kuratiert kollaborative Reiserouten für Individualreisende und Gruppen, die hauptsächlich auf Interessen basieren.

Noch in Arbeit sind Ausserhaus, das am 19. August in der Beta-Phase erscheint und es Benutzern ermöglicht, Reiseempfehlungen aus vertrauenswürdigen Quellen zu durchsuchen und diese dann über OpenTable zu buchen, und das neue TPG-App von der Reise-Website The Points Guy, die im September erscheinen wird und sich auf die Maximierung der gesammelten Treuepunkte der Benutzer konzentriert.

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Amadeus erweitert sein Angebot um Fintech aus der Reise-App Hopper

Mitchell Stoutin, Senior Director of Engineering bei The Points Guy, sagte, die Website wolle eine zentrale Rolle in einer sich schnell entwickelnden Reise-App-Landschaft einnehmen.

„Natürlich gab es schon immer Apps, um Flüge zu kaufen oder Hotels zu buchen, aber was wir mit der neuen Generation sehen, ist eine Revolution rund um Integration, Auffindbarkeit und Nutzen“, sagte er.

Arjun Bansal, Mitbegründer und CEO von XOKind, sagte: “Die Erfahrung bei der Reiseplanung und -buchung hat sich in den letzten 20 bis 25 Jahren nicht grundlegend geändert.”

“Wo wir sehen, dass die Dinge mit all den Verbesserungen in [artificial intelligence] ist, dass ich in fünf Jahren einfach in der Lage sein sollte, mich an mein Smartphone zu wenden und zu sagen ‘Hey, Una, buche mir meinen nächsten Urlaub.'”

‘Wohin kann ich für 500 Dollar reisen?’

Eine der ersten Apps der nächsten Generation ist Elude. Elude wurde von seinen Gründern als “die einzige Buchungsplattform, die die Frage beantwortet: ‘Wo kann ich für 500 US-Dollar reisen?’ , alle innerhalb ihrer gewünschten Preisspanne.

Der Reisebranchenanalyst Henry Harteveldt, Präsident der Atmosphere Research Group in San Francisco, sagte, Eludes “faszinierende” Geschäftsidee habe lange auf sich warten lassen. “Seit mehr als 10 Jahren sage ich, dass Reiseunternehmen ‘budgetorientierte’ Einkaufsmöglichkeiten anbieten müssen”, sagte er. “Besser spät als nie, denke ich.”

Die iOS-Version der Elude-App kann jetzt im Apple App Store heruntergeladen werden, und die Webbuchung auf Elude.co wird in Kürze verfügbar sein. Eine Android-App ist nach Angaben eines Unternehmenssprechers für Anfang nächsten Jahres geplant.

Elude-Mitbegründer Frankie Scerbo sagte, er und Mitbegründer und CEO Alex Simon seien begeisterte Reisende mit Firmenjobs, die im College Freunde wurden und jedes Jahr lieber mehrere kürzere Pausen als nur einen längeren Urlaub machten.

Preis und Reisedauer standen für sie im Vordergrund.

“Für uns war das Ziel nie wirklich wichtig”, sagte Scerbo. “Es war nur, uns dorthin zu bringen, wo unser Budget es sich leisten kann.'”

Eine frustrierende Erfahrung, eine Silvester-Gruppenreise mit Freunden zu buchen, die das Budget und die Erwartungen aller erfüllte, führte dazu, dass Scerbo und Simon eine App suchten, die ihnen helfen konnte.

Da sie nicht fanden, was sie brauchten, beschlossen sie, “es einfach selbst zu machen”, sagte Scerbo.

Laut Simon besteht Elude aus drei Elementen, von denen das erste das Benutzer-Onboarding ist.

“Grundsätzlich stellen wir eine Handvoll lustiger, skurriler Fragen, um den Benutzer besser kennenzulernen [the experience] ist personalisierter”, sagte er und nannte als Beispiele WLAN, Wetter oder kulinarische Vorlieben.

Sie sehen buchstäblich alles, was Sie sich leisten können, anstatt … alles, was Sie sich nicht leisten können.

Frankie Scerbo

Mitbegründer von Elude

Elude verwendet Kundenpräferenzen, um zukünftige Reiseanfragen zu kuratieren.

“Im Grunde geht es darum, herauszufinden, was Sie gerne tun und welche Art von Reisenden Sie sind”, sagte Scerbo. „Sobald wir mehr von diesen Informationen haben, können wir mit der KI ein bisschen besser werden [artificial intelligence] und schlagen Sie Reisen vor, die für Sie wahrscheinlich sehr attraktiv sein werden.”

Als nächstes kommt die Hauptsuchfunktion, bei der die Benutzer ihre Budgets, Reisedaten und ihren Ausgangspunkt eingeben. “Wir präsentieren dann alle Stadtoptionen, die dem Budget dieser Person entsprechen”, sagte Simon.

Benutzer können ein Ziel auswählen und ihr Paket vollständig anpassen.

“Wir haben einen empfohlenen Flug und ein empfohlenes Hotel, aber wenn Sie ein Fünf-Sterne-Hotel möchten, können Sie ein Upgrade durchführen”, bemerkte er. „Und sagen wir, Sie möchten einen Flug um 19 Uhr statt einen um 7 Uhr morgens – Sie können diese Änderung auch in der App vornehmen.“

Vorerst stehen Luft und Hotel im Mittelpunkt; Elude wird zu einem späteren Zeitpunkt Aktivitäts- und Erlebnisinhalte hinzufügen. “Wir werden es am Anfang sehr einfach halten”, sagte er. “Wir wollen nur die Leute rausholen und loslegen.”

Die dritte Komponente ist die Direktbuchung über Elude.

„Wir sind eigentlich der bekannteste Händler; wir drängen Sie nicht an einen anderen Ort“, sagte Simon unterschiedlich. “Es war unsere größte Hürde, aber wir freuen uns definitiv am meisten.”

Websites wie Skyscanner.com bieten Benutzern eine Reihe von Flugpreis- und Zieloptionen, leiten sie dann jedoch zur Buchung an Anbieter- oder Online-Reisebüro-Websites (OTA) weiter. Herkömmliche OTAs wie Expedia, Orbitz und Travelocity sind hingegen für die anfängliche Suche ziel- und datumsbasiert und nicht budgetorientiert, das Elude integriert.

Kuration und Integration sind der Schlüssel

Die Entwickler von Una Travel: Vacation Sidekick & Smart Trip Planner – Alumni von Intel, die sich auf KI spezialisiert haben – wollten ihrerseits einen virtuellen “persönlichen Assistenten, der Sie am besten kennt” erstellen und maßgeschneiderte Reiserouten erstellen und gleichzeitig eine gemeinsame Entscheidungsfindung ermöglichen im Stil eines sozialen Netzwerks für die Planung von Gruppenreisen.

Bansal von XOKind aus San Diego sagte, Una, erhältlich in den Stores von Apple und Google Play, adressiert „das Reiseplanungs- und Buchungserlebnis, das sehr fragmentiert ist, und [people] müssen Tools wie Dokumente, Notizen und Tabellenkalkulationen verwenden, um alle Informationen zu sammeln und mit ihren Mitreisenden zusammenzuarbeiten.”

Una befragt Benutzer zu den Zielpräferenzen, präsentiert Produkt- und Preisoptionen und verfeinert zukünftige Entscheidungen, während sie buchstäblich einen Daumen nach oben oder unten erhalten. Benutzer können Optionen sortieren und filtern und sie zu gemeinsamen Reiserouten hinzufügen, wenn sie Gruppenreisen planen, sowie Notizen, Weblinks und andere Daten teilen.

Die KI der App bietet die besten Übereinstimmungen für alle und bietet auch gezielt Informationen zu kostenlosen Aktivitäten an ausgewählten Orten, bemerkte Bansal.

„Andere Apps konzentrieren sich tendenziell nur auf die buchbaren Teile der Reise, aber wir versuchen, eine ganzheitlichere Perspektive auf alle Dinge zu bieten [travelers] tun könnte”, sagte er und fügte hinzu, dass sein Entwicklungsteam “Una sowohl als Concierge als auch als Reisebüro betrachtete.”

Wir sind nicht nur technische Designer, die dem Kundensupport keine Beachtung geschenkt haben.

Sarah Harris

Vice President of Product bei XOKind

Sarah Harris, Vice President of Product bei XOKind, bemerkte nämlich, dass die optimierte, benutzerfreundliche Una – die für Nutzer der Generation Z und Babyboomer gleichermaßen verständlich sein sollte – „mehr“ bieten wird [customer service] Unterstützung als wahrscheinlich die größeren OTAs, weil wir wissen, dass dies ein so wichtiges Element des Reiseerlebnisses ist.”

„Wir sind nicht nur technische Designer, die dem Kundensupport keine Beachtung geschenkt haben“, fügte sie hinzu.

Zum Zeitpunkt der Drucklegung erlaubte Una Travel Planner laut Bansal nur Hotelbuchungen direkt in der App, während die Buchung von Ferienwohnungen und Aktivitäten unmittelbar bevorsteht. Flugtickets sind bis Jahresende geplant.

Elude mit Sitz in Los Angeles kann laut Scerbo von jedermann verwendet werden, um Flug- und Hotelreisen überall aus den verfügbaren US- und internationalen Zielen zu buchen, obwohl der Inhalt derzeit nur auf Englisch verfügbar ist. (Das Unternehmen verwendet derzeit Covid-Einschränkungsdaten von TripsGuard.com, um unzugängliche oder eingeschränkte Ziele für bestimmte Benutzer aus den angebotenen Reiseoptionen zu filtern.)

„Mit nur ein paar Klicks – wann Sie gehen möchten und wie viel Sie ausgeben möchten – sehen Sie buchstäblich alles, was Sie sich leisten können, anstatt … alles, was Sie sich nicht leisten können“, sagte Scerbo. Hinzufügen, dass ein Benutzer wahrscheinlich überrascht sein wird, was er sich tatsächlich leisten kann.

Una Travel: Vacation Sidekick & Smart Trip Planner von XOKind ist jetzt in den App-Stores von Google Play und Apple verfügbar.

Stoutin von The Points Guy sagte, er betrachte die TPG-App und die Mitbewerber als “weit mehr als einfache Tools zum Kaufen und Buchen”.

„Reise-Apps der neuen Generation bieten kontextbezogene und zeitgerechte Dinge zu tun und zu erleben“, sagte er. „Wir machen einen unserer eigenen: einen Award-Explorer, mit dem Sie sehen können, wohin Ihre Punkte Sie führen können – und in welchem ​​​​Stil – mit der Geschwindigkeit Ihrer Vorstellungskraft.“

Die TPG-App führt verschiedene Kundenkonten der Nutzer zusammen und bietet Vorschläge zum Aufbau von Punkteständen und zur Buchung von Reisen. Darüber hinaus wird sich die App durch “Auffindbarkeit” auszeichnen, fügte Stoutin hinzu.

“Sie können jetzt in eine neue Stadt gehen und mit dem Scannen eines QR-Codes oder eines AppClips den lokalen Rollerverleih, Restaurantmenüs oder Reservierungen für kulturelle Erlebnisse abrufen”, sagte er. “Ihr Telefon ist Ihre Bordkarte, Ihr Zimmerschlüssel und Ihr Übersetzer.”

Blick in die Zukunft

Sowohl das Silicon Valley als auch die Wall Street bemerken diese neue Front bei Reise-Apps. Elude hat Investorengelder in Höhe von 2,1 Millionen US-Dollar von Unternehmen wie Mucker Capital, Unicorn Ventures, Upfront Scout Fund, StartupO, Grayson Capital und Flight VC erhalten.

Andere Unterstützer und Berater sind Veteranen der Reisebranche und der sozialen Medien wie Jeff Hoffman, ehemals Priceline.com; ehemaliger Airmap-CEO Ben Marcus; ehemaliger Instagram-CMO Cliff Hopkins; und Snapchat-Leiter für internationale Partnerschaften Juan Borrerro. Mehrere sitzen im Influencer Advisory Board von Elude und helfen bei der Gestaltung von Marketingstrategien, App-Design und mehr.

XOKind hat inzwischen mehr als 3,25 Millionen US-Dollar von einer Gruppe ähnlich hochkarätiger Investoren gesammelt, und die Out-of-Office-Mitbegründer Janine Seale und Coabi Kastan haben gerade eine Vorab-Finanzierungsrunde in Höhe von 1,6 Millionen US-Dollar für die Teamerweiterung und die weitere Plattformentwicklung abgeschlossen , so ein Sprecher.

„Wir brauchten Branchenexperten, die uns wirklich bei der Navigation auf dem Gebiet helfen“, sagte Simon von Elude. “ARC bekommen [Airlines Reporting Corporation] und IATA [International Air Transport Association] zertifiziert und … viele der regulatorischen Hürden mussten wir überwinden, wir brauchten eine Anleitung … und deshalb freuen wir uns, diese Personen in unserem Team zu haben, besonders da wir weiter skalieren.”

Elude-Unterstützer Hoffman, ein Teil des Priceline-Teams von 1997 bis 2001, sagte in einer Erklärung: “Als aktiver Investor und Berater in der Reisebranche habe ich zahlreiche Ideen und Versuche gesehen, den Reisebuchungsprozess neu zu gestalten, und keiner von ihnen hat meine Aufmerksamkeit so auf sich gezogen wie Elude.”

Simon, 28, und Scerbo, 35, sind sich der sich entwickelnden Gewohnheiten und Bedürfnisse zukünftiger Reisender bewusst. Laut Elude geben Millennials jährlich mehr als 200 Milliarden US-Dollar für Reisen aus, und 97% der heutigen Reisenden posten Reisefotos in sozialen Medien.

Tatsächlich sagte Bansal von XOKind, dass der eigentliche Grund für Una Travel Planner darin besteht, “die Schmerzpunkte vieler Millennials und Reisender der Generation Z anzugehen”.

Viele dieser jüngeren Benutzer, wie Simon und Scerbo von Elude, ziehen viele kürzere Reisen einer längeren vor und möchten einzigartige Erlebnisse.

„Unsere Nutzer sehnen sich danach, die Welt anders zu erkunden“, sagte Scerbo. „Anstatt Reisen zu Sehenswürdigkeiten zu planen, suchen unsere Nutzer nach ruhigen Schätzen, die Zuflucht vor der Hektik des Großstadtlebens bieten.“

We Requested Daves About Dave, Marcus and Different First-Title Cash Apps

Can these customers rest assured that they are getting the help they need? (So ​​far, no start-up has asked him for advice.)

The question is borne out by a fairly recent story.

Robinhood’s trading platform and messaging system melted as the markets fluctuated earlier this year. When it broke certain trades altogether during the GameStop saga, users were angry at the lack of responses.

Dozens of lawsuits resulted, as well as a number of investigations, including the biggest fine that the financial industry regulator ever imposed. During a congressional hearing in February, a legislature did called Robinhood’s automated helpline – and got a recorded message asking him to send an email. (The company has vowed to improve their customer service.)

Perhaps the most fascinating thing about the creation of these start-ups is the completely different way in which they present themselves to the world for the first time. Some have oriented themselves towards digital banking start-ups of yore, such as Allies, and adopted concepts in their branding, with names like aspiration and, more provocatively, Revol.

Then there is Dave and the Boys, a trend that started years ago with Charles Schwab and the digital bank that offers it, as part of low-cost brokerage services. It advised anyone who would listen “Talk to Chuck. “

Goldman Sachs, with all its riches, could have bought almost any URL. It voted Marcusafter Marcus Goldman (bad luck, Samuel Sachs), the quintessential Wall Street bank, tried to give a new retail business a friendly face.

Another app, Albert, has a standard Debit card offer plus a service it calls “Albert genius“Says the company, from a team of human financial experts. (By the way, Dave Davies’ legal first name is Albert.)

Complaints in opposition to cell cost apps like Zelle, Venmo surge 300% as customers fall sufferer to more cash scams

Complaints against some digital payment services and apps like Venmo, Cash App, or Cell are soaring, according to a disturbing new report.

Non-Profit Research Group of Public Interest in the United States [PIRG] Major issues include fraud, problems using accounts, and poor customer service. The group analyzed more than 9,200 complaints filed with the Consumer Financial Protection Bureau from 2017 to April 2021.

The report found that more than 2,700 complaints were filed from January to April this year – compared with just over 600 in the same period last year.

Around four out of five Americans use mobile payment apps.

One of them is Luke Krafka, a professional cellist from Long Island, new York. Krafka often plays in concerts with rotating musicians who are usually paid for in cash – and he says mobile pay apps made this task a lot easier.

“Paypal, Venmo, Cash-App, yes. There is no paper, no checks, no waiting,” he told the CBS News Consumer Investigative Correspondence Anna Werner. “You get paid instantly, go to your bank account.”

Trending news

In October 2019 a new customer got in touch to hire him for a wedding.

“It was a normal wedding. And I reached out to my friends who are good for the gig, ”he said.

The customer told him he would send a check for about $ 1,000 for Krafka and another $ 950 to pay for the customer’s “Sound Man” – which he then asked from Krafka via a mobile payment app.

“I said, ‘Look, if you send me the money, it’s not a problem, that’s fine,'” Krafka remembers.

Mobile payment apps allow users to pay others instantly, via Bank accounts or credit cards connected to the app.

Their simplicity is usually a good thing, but not always, as Krafka found out after depositing the wedding clients’ check for $ 1,960.

“I checked the next day and the full amount was in my bank account,” he said.

Then, as requested, he sent the customer’s “soundman” $ 950 via the cell payment app.

“I think it was the next day that the check broke,” he said. “And when that happened, I slowly started putting it all together.”

The people who supposedly hired him stopped answering his calls – and he’d lost the $ 950.

“I said I think I was betrayed,” said Krafka.

PIRG’s report addressed over 9,000 complaints to federal regulators about digital wallets and payment apps, including PayPal, Venmo, CashApp, and Cell.

They found that those filed between January and April this year were more than 300% higher than the same period last year – with many losing money to fraud or fraud.

“If it’s a scammer, he won’t come back,” said Ed Mierzwinski, who oversees the PIRG’s federal consumer program.

Unlike credit or even debit cards, app transactions are instant, Mierzwinski said.

“There are no rules that protect you very well when your money goes from your account to someone else’s account,” he said.

It is especially difficult when the betrayed user initiated the transaction.

Krafka said he reached out to his bank to get the money back but was told they couldn’t help him.

“I was surprised that there was no legal recourse and that when it is finished it is finished and there is nothing more to be done,” said the professional musician.

Cell did not want to comment on Krafka’s case, but said his top priority was “protecting consumers from fraud and fraud”. The company offers a comprehensive list of recommendations on the website so that consumers can protect themselves.

Cash App has a consumer help center online and on their mobile app as well as a 7 day one Customer service phone number, and encourages people, “If you think you may have been a victim of fraud, contact Cash App Support immediately through the app or website.” They also offer articles about recognize and avoid Scam on their website.

Venmo and Paypal are challenging consumers who think they did fallen victim to fraud to “contact customer service directly”. They provide resources on what to look for and how to report it on your website.

“We also recommend that customers get in touch spoof@paypal.com to share information about suspected spam. Our dedicated security team will review the information and take action if necessary, “the company website says.

All of the app companies told CBS News that they are working to stop bad actors and have processes in place to spot scams. They also warn consumers to be vigilant and only send money to people they know – not strangers.

White Home companions with relationship apps to lift vaccine consciousness

Tinder has encouraged users to keep “virtual” appointments during the coronavirus pandemic.

Budrul Chukrut / SOPA Images / LightRocket via Getty Images

Aside from asking about your perfect day or favorite vacation spot, popular dating apps like Tinder, Hinge, Bumble, and Plenty of Fish ask members if they want to tell if they’ve been vaccinated against Covid-19.

The White House announced on Friday that it is partnering with the apps to raise vaccine awareness and encourage young adults across the country to get vaccinated.

Andy Slavitt, senior Covid-19 official at the White House, said one of the apps, OkCupid, says members who show their vaccination status are “14% more likely to get a match. We finally found what makes us all more attractive. ” A vaccination. ”

More than 60% of adults in the US have received at least one Covid-19 shot, but 42% of adults ages 18 to 34 say they are not ready to receive a Covid-19 vaccine, according to a February Quinnipiac survey. As more and more variants emerge, the summer weather approaches and the mask mandates decrease, efforts to reach hesitant young adults intensify.

“The pandemic has also negatively affected the social lives of young people. Social distancing and dating have always been a challenging combination,” Slavitt told reporters in a briefing.

As part of President Biden’s goal of having 70% of adults in the US vaccinated with at least one shot by July 4th, Slavitt announced that dating apps like Tinder, Lots of Fish, OkCupid, BLK, Hinge, Match, Chispa, bumblebee and Badoo will begin rolling out features to promote vaccination among users. The apps collectively serve more than 50 million people in the United States and many are young adults.

Badges are displayed in the apps that a user can view on their profile to determine that they have been or should be vaccinated.

Additional functions include access to premium content such as “Boosts”, “Super-Likes” and “Super-Swipes” for vaccinated people, as well as search filters with which users can search specifically for other users who have been vaccinated or are planning a vaccination.

OkCupid said their features will be implemented on May 24th, Chispa and BLK said theirs will be implemented on June 1st. The other apps will start rolling out the new features in the next few weeks.

“In all seriousness, people care about other things in life besides their vaccine. But the vaccine allows people to get back to the things they enjoy in life,” Slavitt said, noting that people want to know they are be able to resume their normal life in a safe manner.

Pretend Android, iOS apps promise profitable investments whereas stealing your cash

Researchers have discovered hundreds of malicious mobile apps that exploit interest in cryptocurrency and stocks to steal victims.

Sophos researcher said on Wednesday A reference to a fake mobile trading app led to the discovery of a server containing “hundreds” of malicious trading, banking, forex and cryptocurrency apps developed for the Android and iOS platforms.

Mobility has meant that stock trading and investment opportunities are now widely available and far more accessible than before. Instead of having your money managed by a specific fund or agency for a fee, users can now select their own investments with a single swipe.

Social media has become a hotbed for pump-and-dump or meme stock chat and trading tips, and cryptocurrency has also become a popular topic of discussion for avid investors.

However, simply downloading a mobile application to explore investment opportunities has also created an opportunity for cyber criminals to take advantage of them.

According to Sophos, the apps found contained fake software designed to impersonate well-known, legitimate and trustworthy brands such as Barclays, Gemini, Kraken, TDBank and Binance.

The operators have created special websites that are linked to each individual app and are tailored to appear as fake organizations in order to improve the software’s obvious legitimacy – and the likelihood that a scam will succeed.

Sophos’ investigation into the apps began with a report on a single malicious app masquerading as an Asia-based trading company, the Goldenway Group.

In this case, the victim was approached through social media and a dating website and lured into downloading the fake app.

Instead of relying on mass spam emails or phishing, attackers can now take a more personal approach and try to develop a relationship with their victim by, for example, pretending to be a friend a potential love match. Once trust is established, they provide a time sensitive financial opportunity and can also promise guaranteed returns and excellent profits.

However, once a victim downloads a malicious app or visits a fake website and provides its details, they are tricked into opening an account or cryptocurrency wallet and transferring money. Scammers then go away with the money and block their victims.

According to Sophos, the apps discovered on the server were transmitted through the same infrastructure and a “super signature process” that was abused to bypass security measures and mechanisms used by official app repositories.

In the case of iOS, the process designed for small app developers to perform legitimate pre-submission test deployments requires a target device to download and install a manifest file in order to accept the package. Then the device ID is sent to a registered developer account. A .IPA package containing the app is then sent to the user for download.

“While many of these Super Signature developer services may be aimed at helping legitimate small app developers, our research found that the malware uses many such third-party commercial app distribution services,” the researchers say. “These services offered one-click uploading of the app installation, where you only had to provide the IPA file. They are promoting as an alternative to the iOS App Store and taking over the app distribution and device registration.”

In some cases, instead of transferring IPA files, distribution services have deleted web clips that added a link to a malicious webpage directly to a victim’s home screen.

When it comes to Android abuse, users are prompted to install and launch an app, create an account, and then start trading. The apps appeared to be real and in some cases included elements like cryptocurrency price tracking. However, wallets are either controlled by cyber criminals or funds required to start trading must be transferred to Hong Kong registered bank accounts.

It appears that Asia is mainly under attack from the network as one of the servers referenced in an app resulted in the discovery of uploaded records including ID cards, driver’s licenses, passport photos and more from nationals in South Korea, China, Malaysia, USA . and Japan.

“We believe the ID data could be used to legitimize financial transactions and receipts from the crooks as confirmation of the victims’ deposits,” says Sophos. “We also found several profile pictures of attractive people who were likely used to create fake dating profiles, suggesting that dating could be used as bait to attract victims.”

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The right way to Educate Your Youngsters About Cash and Apps That Can Assist

Debt can be stressful. This is why most parents work hard to teach their children the crucial ability to manage money. Allowances, chores, and piggy banks are proven techniques, but in the digital age, apps and online services are available to us to teach financial wisdom and encourage good habits. This is especially important as the cash consumption decreases during the pandemic.

It may feel instinctive to protect children from the pressures of money management, but that can be a disservice. Research in the UK from Cambridge University suggests that the money habits that children carry into adulthood can be established by the age of 7.

But where do you start And with what? Mary Gresham, an Atlanta-based psychologist who specializes in finance and families, says it should start as soon as children understand the concept of money, usually between the ages of 4 and 5.

Start young

A good financial life is one of the most important factors for lifelong well-being, according to Gresham. Therefore, parents should consider financial education as important as academic training.

“Give an allowance and let your kids divide the money into four categories: spend, save, give away, and invest,” says Gresham.

This is a popular approach in the US that is promoted by groups like Money savvythat even offers a physical piggy bank with the same four categories.

Gresham said it can be beneficial to discuss family finances and allow children to express their views on how money is being spent. In order for the money lessons to really get through, the children need to have some control and influence over decisions. Family finances should be openly discussed, and children should be able to spend their own money, even if it means buying something that you consider a waste.

“A month later, ask your child if they’re glad they bought them,” says Gresham. “Was it a good value? Did it serve its purpose?”

This helps them reflect and learn what is and is not worth buying.

Financial awakening

In the past few months my family has used it GridMoney. The app allows me to set a regular allowance for my children (11 and 8 years old), create a to-do list to give them the opportunity to earn a little more, set savings goals and donate to charity.

In addition to earning a living, they can add a little bit of family expenses for things they really want. For example, my daughter pays for ours Disney + subscriptionand my son interferes Microsoft Game Pass.

The money is split into different pots and we adjust the money they put in their savings pot to encourage them to save. All of this information is neatly organized in one app that we can all access while parents are in control.

“We’re using technology to make it easier for parents to manage an allowance and keep track of housework,” said Will Carmichael, CEO of RoosterMoney. “It helps parents keep track of how much they have given their children over time and what they have spent it on.”

My 11 year old son has a debit card linked to his RoosterMoney account that he can use when traveling or making online purchases. I get notifications when he spends money (debit card support is currently limited to the UK). We’re still doing shopping for my 8 year old daughter, but RoosterMoney gives her a running sum of what she has to spend. For very young children there is an opportunity to award stars that can later become money.

State Officers Challenge Warning About Peer-to-Peer Apps for Cash Transfers – NBC Connecticut

The attorney general urges Connecticut residents to be vigilant when using peer-to-peer apps to avoid losing money, revealing valuable personal information, or falling victim to scammers.

Attorney General William Tong said the apps are safe to use, but it is important that you understand the app’s terms of use and be careful about who you send money to.

“Unfortunately, there are a lot of bad actors out there and you can never be too careful when it comes to your money and privacy,” Tong said in a statement. “If you use P2P apps like CashApp or Venmo to transact, check your account regularly for signs of fraud. Make sure you know the terms of the contract and carefully review all transactions you have made. A little vigilance can save you big bucks and cause trouble down the street. ”

Michelle Seagull, Commissioner for Consumer Protection, said consumers should use strong passwords and two-factor authentication when they are available to better protect themselves from hackers.

“Never send money to someone you don’t know or have never met, and remember that no utility or government agency is asking you to pay your bills through a P2P app,” Seagull said in a statement .

The attorney general said it had received several complaints about P2P apps.

In one case, a man complained that his account had been blocked with $ 3,000 to pay. In another case, a man complained that he sent $ 2,250 through an app to a fake account that fraudsters had disguised as his bank, according to the attorney general’s office.

Another Connecticut woman used an app to pay a breeder for a puppy. When she never received the puppy, she was unable to cancel her transaction within the app and get her money back. Other app users have complained that unauthorized individuals hacked their accounts and stole thousands of dollars. One woman complained about a scam in which she was contacted on her cell phone and said her power would be turned off in 30 minutes unless she could pay $ 150 to one of the apps, according to Tong’s office.

NBC Connecticut reached out to Cash App after a viewer contacted us to report a problem with a payment.

More people than ever are picking up their phones to make payments. And with the coronavirus crisis, more money is changing hands at a social distance thanks to money transfer apps. But one Hartford man has a warning because hundreds of his hard-earned dollars didn’t make it into the right hands.

In a statement, a Cash App spokesperson said: “Fraud prevention is critical to Cash App. We continue to invest in and strengthen anti-fraud resources by both adding staff and introducing new technology. We are constantly improving systems and controls to prevent, detect and report bad activity on the platform. “

A statement on the Venmo website states“Venmo is designed for payments between friends and people who trust each other. Avoid paying to people you don’t know, especially if it involves a sale of goods and services (such as event tickets and Craigslist items). These payments are potentially high risk and you could lose your money without getting what you paid for. Venmo does not offer buyer or seller protection. Business use of Venmo requires application and express permission. “

PayPal urges anyone who notices a transaction that you have not authorized to notify them immediately on the internet Dissolution center.

The attorney general said never give any information over the phone to anyone who claims to be from the company that issued you the account. There are scammers posing as customer service agents.

Be careful when entering addresses when sending money. It’s easy to send money to enter the wrong account address and then very difficult, if not impossible, to get it.

The attorney general said there have been a large number of reports of prepaid accounts hacked and you should run regular checks to look for any suspicious activity.

The officials urged users to carefully review the P2P account terms of use. Do not assume that your rights to contest a transaction using P2P applications are the same as those for your credit card account. You couldn’t be.

They urged people to understand the difference between authorized and unauthorized transactions and to respect all contractual terms, especially registering your account.

They warned that if the account is not registered and / or the suspicious transaction is not reported to the P2P issuer in a timely manner, consumers may forego their rights to company investigations and corrections.

To file a complaint with the Attorney General’s Office, visit https://www.dir.ct.gov/ag/complaint.

China’s Love of TikTok-Type Apps Powers $5 Billion IPO

Kuaishou Technology has its sights set on the world’s largest IPO in more than a year and is looking to raise around $ 5 billion from a stock sale in Hong Kong as short video and live streaming apps grow in popularity in China.

Kuaishou, which competes with ByteDance Ltd., the rival Chinese company behind TikTok and its sister app Douyin, took orders from investors on Monday. In the offer, which could be valued at more than $ 60 billion, Kuaishou joins a number of Chinese tech companies listed in Hong Kong.

Kuaishou, which means “quick hand” in Chinese, is owned by Tencent Holdings Ltd. supported. It was co-founded by Su Hua and Cheng Yixiao, software engineers who previously worked for Google China and Hewlett Packard, respectively.

Both Kuaishou and ByteDance have benefited from the growing demand from younger Chinese people to watch and record short videos on their smartphones. The short video platform of the same name is the second largest in the world according to the data given in the brochure. In China, there were an average of 305 million daily active users for their apps and mini-programs in the nine months from September.

With a minimum trading volume of $ 4.95 billion, the IPO would be the largest in the world since late 2019 when the state-controlled Saudi Arabian Oil Co., commonly known as Aramco, raised $ 29.4 billionShowing dealogic numbers.