French startup Lydia is launching an insurance product for your mobile phone. For €4.29 per month ($4.89), you can insure your phone from the Lydia app.
Lydia is one of the most popular peer-to-peer payment apps in Europe, with 1.5 million users. Think about it as a sort of Venmo or Square Cash for Europe. More recently, the company started offering more options to manage your money with a premium subscription and additional features.
While Lydia doesn’t want to replace your bank and insurance company, the company is offering an insurance product for the first time. Lydia is partnering with its investor CNP Assurances — having an insurance company as an investor has a few advantages.
So here’s what you get. You’re instantly covered against cracked screens, liquid damage and accidental damage. There’s no excess, but you’re limited to one claim per year. Phones now cost a small fortune, but you’re limited to €500 ($570) per claim.
Optionally, you can subscribe to a better insurance product for €9.99 per month ($11.39). In addition to phone insurance, your laptop, tablet, Nintendo Switch, Kindle, camera and other electronics are covered. You can make two claims per year and you can get back up to €500 for your phone and €1,800 for other devices. More importantly, you’re also covered against theft.
Many phone carriers sell mobile phone insurance. But they usually cost more than that. In most cases, you also need to subscribe for at least one year. In Lydia’s case, you can cancel your subscription whenever you want in the app.
If that product sounds familiar, it’s because Revolut offers a similar feature (with some drawbacks). You can subscribe to mobile phone insurance from Revolut’s mobile app.
Pricing isn’t as straightforward with Revolut, as Premium subscribers get a discount. For an iPhone X, the insurance product costs as much as €9.58 per month ($10.92) without a Revolut Premium account, or as little as €6.67 per month ($7.60) if you pay upfront and you have a Revolut Premium account.
It’s a 12-month contract with a €125 excess and no theft protection. You also need to start insuring your phone quickly after buying (within six months), otherwise you aren’t covered. Revolut works with Allianz and Simplesurance for this insurance product.
Lydia may have borrowed the idea from Revolut, but I’m not sure why you’d choose Revolut’s insurance product over Lydia’s product.
It’s interesting to see that fintech companies are creating alternative revenue streams with insurance products. Subscribing to an insurance product is quick and painless, as they already manage your money and have your card on file.
Apple reportedly testing E Ink outer display for upcoming foldable – TechCrunch
Ming-Chi Kuo is one of a handful of Apple analysts whose reports always warrant a second look, regardless of how strange they might seem at first blush. We’ve heard plenty of reports that the company is testing its own version of a foldable device, in its customary style of being fashionably late to the party, while also being the best dressed there.
It stands to reason that the company is experimenting with all sorts of takes on the form factor. While companies like Samsung and Huawei have made great strides since the first generation of foldable devices, one can certainly make the argument that no one has perfectly cracked the code just yet. The screen technology has improved a good bit in recent years — and so, too, has E Ink technology.
“Apple is testing E Ink’s Electronic Paper Display (EPD) for future foldable device’s cover screen & tablet-like applications,” Kuo reported on Twitter earlier today. “The color EPD has the potential to become a mainstream solution for foldable devices’ must-have cover/second screen thanks to its excellent power-saving.”
The last part is undeniable. One of E Ink’s biggest selling points is power saving. It’s a key part of the reason your Kindle’s battery life is rated in weeks, instead of hours. But the technology has traditionally had numerous drawbacks that have hampered mainstream adoption outside of a few select categories like e-readers.
Recent generations of E Ink’s electronic paper have added color and sped up the notoriously slow refresh rate and responsiveness. One imagines that there’s still a ways to go before Apple adopts such technology, even for a secondary, external display. Though, with the first of the company’s foldables rumored for a 2025 release (at earliest), perhaps that leaves enough time for the electronic paper technology to get up to speed.
As ever, one must take all of the above with a few grains of salt. It’s a long timeline, and even if the reports prove out, there’s a big gulf between testing and releasing. It’s also worth noting that these sorts of rumors have existed for nearly as long as the iPhone has. So, short term, maybe it’s best to focus on more attainable rumors like a USB-C iPhone.
Snapchat’s stricter policies for anonymous apps and friend finders aren’t yet fully enforced – TechCrunch
A small handful of Snap Kit platform developers have not yet complied with the new guidelines around anonymous messaging and friend-finding apps announced in March. The Snapchat maker revamped its developer platform policies on March 17, 2022, to ban anonymous apps and require developers to build friend-finding apps to limit access to users 18 or older. The policy changes were effective immediately and existing developers were given 30 days to come into compliance — a date that would have passed last month.
It is now mid-May and some developers of the newly banned and restricted apps are not yet meeting Snap’s new requirements, we’ve found.
Snap says only a small number of developers asked for and were granted additional time to bring apps into compliance, as they worked in good faith to make the necessary changes. But it may be difficult for consumers to tell which apps are compliant, which are skirting the new rules, and which are marketing Snap Kit integrations that they actually don’t have.
For example, one of the apps offered an extension is Sendit, the anonymous Q&A app that surged to the top of the App Store last year after Snap suspended other top anonymous Q&A apps, YOLO and LMK. Those latter two apps had been banned from Snap’s platform after the company was sued by a mother of a teen who died by suicide after being bullied via those tools. This year, Snap was named in a second lawsuit, alongside Meta, related to an alleged lack of safeguards across social media platforms which a mother says contributed to her 11-year-old’s suicide.
Snap has since conducted a review of its platform policies with a focus on potential child safety issues related to third-party apps that integrate with Snapchat’s features and functionality.
This culminated in the new policies that were introduced in March which impact apps that build using the Snap Kit platform. This suite of developer tools allows third-party apps to offer sign-in with Snapchat for user verification, or utilize Snapchat features like Snap’s Camera, Bitmoji, Stories, and more.
At the time Snap announced its new policies, it said the changes would impact a small subset of its over 1,500 developers in its wider community. Around 2% would be impacted by the ban on anonymous messaging apps, Snap said, and another 3% would be impacted by the new requirement to age-gate friend-finding apps.
Sendit appeared to be non-compliant as it was not utilizing a required feature, as specified by Snap’s own developer documentation.
Here, Snap offered an example of how something called “Identity Web View” could be adopted by third-party developers who today use Snap Kit to build anonymous Q&A apps. The feature would allow anonymous Q&A apps to come into compliance with the new policies as it will require apps to present a new modal to users that they must click to send their Bitmoji avatar URL and abbreviated Display Name to the third-party application. Then, they can use the third-party app to post their question — but no longer anonymously. Essentially, it allows Q&A apps to continue to function in much of the same way as before, but without the potential dangers of anonymous bullying — the user is identified.
Sendit, however, doesn’t currently use this modal even though it’s the example shown in the developer documentation screenshot. But Snap says the developer asked for more time to make these changes, which was granted. Snap believes the app, currently No. 8 in the Lifestyle section on the App Store, will soon come into compliance.
Other third-party apps also appear to be still operating as usual and, at first glance, seem to not be in compliance with Snap’s new policies.
Apps skirting the rules — or operating outside them?
But this is where things get more tricky — some apps have been granted an extension, some are routing around Snap’s rules, and others are marketing themselves as Snapchat-connected apps when they’re not actually using the SDK.
For instance, the app LMK — to be clear, a different LMK than the original LMK app that was banned last year — is still offering its “anonymous polls” app which integrates with Snapchat’s features. The app is rated 12+ on the App Store and is functioning as usual. But LMK was among that requested and was granted an extension.
Anonymous messaging apps HMU, rated ages 9+ on the App Store, and Intext, rated ages 4+ are also still operating. Both advertise themselves as Snapchat-connected apps. But Intext has been banned from Snap’s platform — you’ll get an error if you try to authenticate with Snapchat using the app’s “Login with Snapchat” button.
HMU appears to have skirted the ban, however. Its app still works.
Meanwhile, a number of friend-finding apps, like Hoop, Wink, Swipr, Purp, and Dope — all of which are now supposed to be only available to adult users — are still published on the App Store with an age rating of 12+, as of the time of writing. If Snap had vetted and approved them, then they would have the highest age rating on the App Store, which is 17+. (Apple should change this to 18+!)
Confusingly, these apps’ lower age ratings don’t necessarily mean all the apps are breaking Snap’s policies. As it turns out, some of these apps are simply positioning themselves as being Snapchat-connected in their marketing materials — like their App Store screenshots. But in reality, they’re working around their lack of access to Snap’s SDK in other ways.
For instance, Hoop’s App Store page says it’s for making friends on Snapchat, and yet it’s downloadable to anyone aged 12 or up. If it was a Snap Kit platform app, then it would be in violation. But Hoop is not in violation because it’s no longer using the SDK. (But who could tell?!)
Instead, Hoop has users enter their Snapchat username during onboarding and provides an in-app Snapchat button to “request” someone share their username with you. It’s a workaround that allows the app to still function as a tool for finding friends on Snapchat, but allows the app to operate without relying on developer access to the SDK. But this sort of deviousness on developers’ parts could cause complications for Snap in the future, as it faces potential litigation and regulations related to platform safety.
Requests for comment to the third-party app makers themselves were not returned.
For parents, this lack of consistency across the Snapchat app ecosystem also means they can’t rely on using Apple or Google’s built-parental controls to block the Snapchat friend-finding apps from being downloaded to their child or younger teen’s device. And, once in the hands of younger users, bypassing the age-gate is as simple as using a fake birthdate.
Snap tells us that since it announced the new policies, it has removed the vast majority of apps that were out of compliance with its policies.
But given the extent to which apps are skirting the rules, it could be more useful if the app stores themselves would integrate these same guidelines into their own app review processes. Or perhaps this is all a sign that regulation, in fact, is needed to protect children and teens from accessing experiences that are either potentially harmful or designed for adults.
After all, Snapchat shares the top charts with other apps that cater to a younger, often teenaged, user base — and the rules that apply to it, should apply to anyone.
For instance, one app eating into the Gen Z market is the newer app called BeReal, which prompts users for spontaneous photos. BeReal has now surpassed 10 million cumulative downloads to date, according to estimates from app intelligence firm data.ai (formerly App Annie). 3.3 million downloads took place in Q1 alone, and the majority of users in key markets are Gen Z, the firm said.
Another app, LiveIn, caters to Gen Z as well by allowing users to post photos to each others’ Home Screens via a widget — a feature BeReal also adopted. It’s now No. 2 on the U.S. App Store’s Top Apps chart, while its rival Locket Widget, is No. 24.
These apps are offering experiences that not only cater to Snapchat’s core demographic, but also features that overlap in some ways with what Snapchat is used for — fun, off-the-cuff photos that aren’t meant to stick around. While Snapchat is still growing, its rivals could expand their own platforms to adopt more Snapchat-like features over time, at which point they could also become a cause for concern if they ventured into similar anonymous Q&A or friend-finding spaces.
For now, however, these apps present a different type of threat: one that could see Snapchat losing its users’ time and engagement as they try out new ways to connect with friends.
Apple adds live captions to iPhone and Mac, plus more accessibility upgrades to come – TechCrunch
Apple has released a bevy of new accessibility features for iPhone, Apple Watch, and Mac, including a universal live captioning tool, improved visual and auditory detection modes, and iOS access to WatchOS apps. The new capabilities will arrive “later this year” as updates roll out to various platforms.
The most widely applicable tool is probably live captioning, already very popular with tools like Ava, which raised $10 million the other day to expand its repertoire.
Apple’s tool will perform a similar function to Ava’s, essentially allowing any spoken content a user encounters to be captioned in real time, from videos and podcasts to FaceTime and other calls. FaceTime in particular will get a special interface with a speaker-specific scrolling transcript above the video windows.
The captions can be activated via the usual accessibility settings, and quickly turned on and off or the pane in which they appear expanded or contracted. And it all occurs using the device’s built-in ML acceleration hardware, so it works when you have spotty or zero connectivity and there’s no privacy question.
This feature may very well clip the wings of independent providers of similar services, as often happens when companies implement first-party versions of traditionally third-party tools, but it may also increase quality and competition. Having a choice between several providers isn’t a bad thing, and users can easily switch between them if, as seems likely to be the case, Apple’s solution is best for FaceTime while another, like Ava, might excel it in other situations. For instance, Ava lets you save transcripts of calls for review later — not an option for the Apple captions, but definitely useful in work situations.
Apple Watch apps will get improved accessibility on two fronts. First there are some added hand gestures for people, for instance amputees, who have trouble with the finer interactions on the tiny screen. A pile of new actions available via gestures like a “double pinch,” letting you pause a workout, take a photo, answer a phone call, and so on.
Second, WatchOS apps can now be mirrored to the screens of iPhones, where other accessibility tools can be used. This will also be helpful for anyone who likes the smartwatch-specific use cases of the Apple Watch but has difficulty interacting with the device on its own terms.
Existing assistive tools Magnifier and Sound Recognition also get some new features. Magnifier’s “detection mode” normally lets the user know if either a person or something readable or describable is right in front of them: “person, 5 feet ahead.” Now it has a special “door detection” mode that gives details of those all-important features in a building.
Door mode, which like the others can be turned on automatically or deactivated at will, lets the user know if the phone’s camera can see a door ahead, how far away it is, whether it’s open or closed, and any pertinent information posted on it, like a room number or address, whether the shop is closed, or if the entrance is accessible.
Sound recognition is a useful option for people with hearing impairments who want to be alerted when, say, the doorbell rings or the oven beeps. While the feature previously had a library of sound types it worked with, users can now train the model locally to pick up on noises peculiar to their household. Given the variety of alarms, buzzers, and other noises we all encounter regularly this should be quite helpful.
Lastly is a thoughtful feature for gaming called Buddy Controller. This lets two controllers act as one so that one person can play a game with the aid of a second, should it be difficult or stressful to do it all themselves. Given the complexity of some games even on mobile, this could be quite helpful. Sometimes I wish I had a gaming partner with a dedicated controller just so I don’t have to deal with some game’s wonky camera.
There are a number of other, smaller updates, such as adjusting the time Siri waits before answering a question (great for people who speak slowly) and extra text customization option sin Apple Books. And VoiceOver is coming to 20 new languages and locations soon as well. We’ll know more about exact timing and availability when Apple makes more specific announcements down the line.
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