Kerala Has Created A Robust Startup Ecosystem In a Non Tier 1 Space, Says IT Secy, Kerala- Tempemail – Blog – 10 minute

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The Indian startup ecosystem has been growing on a massive scale these days. The Government of Kerala has been really pro-active in boosting the startup ecosystem of Kerala, through Kerala Startup Mission (KSUM), the central agency of the Government of Kerala for entrepreneurship development and incubation activities in Kerala, India.
In an elaborate conversation with Express Computer’s Gairika Mitra, M Sivasankar IAS, Secretary IT, Govt. of Kerala, tells us about the startup scene as a whole in India.
Edited excerpts:
We met last year for the annual ‘Huddle Summit’ at Kovalam. What has changed ever since?
My answer would be, come and check out during this Huddle.
Seriously, I think the teething troubles and early level issues have been managed and overcome, substantially and the startup ecosystem has really evolved into a level of growth and maturity. Two good things are 1) the startups are quite diverse in their field of operations from complex hardware startups to interesting software/ app-based products and 2) there are more and more professionals and experienced personnel now setting up companies and student startups are getting right-sized. With around 36 incubators,  thematic accelerators and common infrastructure like Fablabs and software suite libraries, the support facilities are being leveraged well.
At the recent, ‘Seeding Kerala’ investment summit, an investment of 70 crores was announced into startups. Could you tell us more about it?
This is mostly by local angel networks, CSR and a few venture investments as well. From Professional organisations like TiE to a local Rice Mill (Pavizham) which invested 1 cr of their CSR on Red Button, a woman safety device, the investors also indicate a very interesting and healthy diversity.
As per a recent Nasscom report, over 1,300 startups have been added in 2019. The number is significantly low as compared to the West. How can we have more startups operating in India?
It is not essentially a number game. The quality, sustainability, and scalability are the parameters. I think if we do a health audit of startups, failure rates are much much lower in India. At least in the Kerala context the failed startup numbers have been very low. Instances of pivoting also have come down drastically. This indicates that the new generation of startups have spent lots of efforts in planning, execution and market assessment.
That being said, the number of women entrepreneurs isn’t that impressive overall. How can this be addressed?
True. We run a program ‘She Loves Tech’ and also a few focused efforts like a winter school for women startups. I think one woman startup breaking into the big league would give a great boost to the confidence of potential woman startups.
What kind of tech startups are operating out of Kerala now? Are you looking forward to catering to other states too?
As I mentioned earlier from startups working on Space Technologies to Robotics, the range is quite diverse. Kerala Blockchain Academy and Unity center of Excellence for AR/ VR is also exciting mentoring systems for a new breed of tech startups. FabLabs, Centers of Excellence, Accelerators etc are available for startups from outside the state as well.
Lastly, what are upcoming plans in the pipeline to help out startups and have more of them?
We had focused on building the pipeline right from the school and college levels and provided a market place by opening up Government procurement to startups. Since we had very limited venture funding opportunities, we started a program of Seeding Kerala. Next stage, we set up two Fund of Funds with Startup Mission coming in as a limited partner. Now we are Limited Partners to four such funds. Channelising CSR, addressing working capital financing issues of startups have been other major strategic and tactical steps. Overall there is buoyancy, excitement and the ecosystem is stabilising. We can, I think, in all modesty claim to have tried and created an ideal set of interventions to build a robust startup ecosystem in a non tier 1 geography.

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Intuit is buying personal finance startup Credit Karma for $7.1 billion in cash and stock – Blog – 10 minute

What just happened? Intuit, the financial software giant responsible for products like TurboTax, QuickBooks and Mint, on Tuesday announced plans to acquire personal finance company Credit Karma for $7.1 billion in cash and stock.
Credit Karma was founded in 2007 as a personal finance management platform where consumers can check their credit scores and reports, prepare their taxes and find unclaimed money such as insurance payouts or refunds. To date, Credit Karma has over 100 million members in the US, Canada and the UK with more than 37 million monthly active users – 88 percent of which engage with the platform via mobile devices.
The acquisition is the largest ever for Intuit, a company founded in 1983.

Intuit CEO Sasan Goodarzi said their mission is to power prosperity around the world with a bold goal of doubling the household savings rate for customers on their platform.
Specifically, Intuit believes it can help people find the right financial products by matching consumers with pre-approved offers for loans and credit cards, turn users on to higher yield savings accounts and provide insight and advice to help consumers make better decisions with their money and improve their credit score.
Per TechCrunch, Intuit plans to run Credit Karma as a standalone venture that’ll continue to be led by co-founder and CEO Kenneth Lin.
The deal is expected to close in the second half of calendar year 2020.
Masthead credit: Fish by maxsattana.

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Startup introduces IoT-RFID device for location based smart fuelling- Tempemail – Blog – 10 minute

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India is the third-largest consumer of fuel, however there are many discrepancies in the system, and organisations lose a significant amount in fuel related wastages. This loss can be quantified in terms of money, time and workforce utilisation. Pepfuels addresses all these concerns by providing fuel at their location, at minimum cost. Currently, Pepfuels has a customer base of more than 200, supplying three-four lakh litres per month, and generating revenues of INR 2-3 crore every month.
Tikendra Yadav, Co-Founder, Pepfuels
“We are all engineering graduates and were working with MNCs. We quit our job three years back and started our entrepreneurial journey,” says Tikendra Yadav, Co-Founder, Pepfuels. The startup has patented an IoT – RFID based device for smart fuelling. It has also launched the first ever App in this domain in May 2017.
The IoT – RFID based device is a server monitored reader which is connected through the dispensing machine. It is developed to provide accurate, theft proof and zero loss in fuelling. “Customer can order through their App and our vehicle will reach their location. The customer vehicle/DG set is equipped with our RFID tag. Our dispensing machines is equipped with a reader which reads the RFID tag and dispenses as per the order quantity,” states Yadav, adding that no manual intervention happens in fuel dispensing. Also, Pepfuels vehicles are geo-fenced and equipped with GPS and fuel sensors.
He also informs that Pepfuels is one of the first approved startups for providing the doorstep delivery of fuel. “We are duly approved by PESO (Petroleum Explosives and Safety Organisation ) and also have tripartite agreement with Indian Oil Corporation Limited for doorstep delivery under license SOOB (Startup Owned and Operated Bowser).”
Target customers are mainly industries, heavy equipments, the farm sector, malls, colleges, resorts and hotels, etc., where DG sets are used. Also, for heavy construction equipments which cannot go frequently to fuel stations. The benefits to customers are many. Yadav lists the same:

Saves time: On An average it takes 2-3 hrs in B2B per trip and average of 10-15 mins in B2C for fuel filling.
 Cost saving: In B2B, an average expense of fuel buying is INR 600-1000 per trip.
Environment friendly: One vehicle saves 20 trips to fuel stations. The carbon dioxide emissions, loses gets reduced in the same proportion.
One dashboard system IoT based : The fuel management system helps to manage fuel buying through a single window system.

In the near future, the startup is looking at new technologies in door delivery concept for CNG, E-Vehicle charging, etc. “In the next 18 months, our target is to sell 5 million litres of diesel per month and more than 50 MDUs (Mobile Dispensing Units) servicing to our customers in various part of the country,” states Yadav.
Reminding that the industry is facing a huge challenge on account of manual pilferages and is not able to overcome it, he says, “A big amount has been spend on sensors to reduce the pilferages. Our system is changing the industry to be more aware and optimise their buying cost.”
Pointing out that in India 4.5 crore individuals visit fuel stations every day for refuelling and emit approximately 372 gms of carbon dioxide, Yadav says that his company is providing a channel to minimise the losses and benefit the society. “Every day in doorstep delivery, we save approximately 58125 kgs of carbon dioxide emission; we have provided employment to 50+ manpower with our new idea; with the launch of a new vehicle, we plant one tree to support the environment; also we have brought awareness through our fuel safety campaign,” he concludes.

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Virat-Anushka Invest In Insurance Startup ‘Digit’- Tempemail – Blog – 10 minute

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Virat Kohli and Anushka Sharma have jointly invested 2.2 crores in an insurance startup called Digit. The startup is backed by Prem Watsa, a Canadian billionaire and works towards simplifying insurance for people. 
The total investment in the startup is $84 million in which Indian Cricket Team Captain Virat Kohli has invested Rs 1.73 crores and actor Anushka Sharma has given Rs 43 lakhs, as seen in the filings. They now have 0.25% shares in the company. The funding isn’t raised based on any brand partnership. The duo is genuinely impressed by Digit’s business concept. 
Other major investors in this round of funding were TVS Capital, A91 Partners and Faering Capital. The insurance startup has close to 50 lakh customers and brings in around $300 million in premium. The company accounts for a 1.2% market share in the general insurance industry. 

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Zodius Growth Fund steers $19 million towards Mumbai based startup Onsitego- Tempemail – Blog – 10 minute

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Zodius Growth Fund has participated in series B funding round for Onsitego, an extended warranty and device protection services provider. Zodius has led $19 million (INR 136 Crores) funding for Onsitego with existing investor Accel India also contributing. 
In the digital services investment funding capacity, Zodius, by itself has invested $15 million in the Mumbai based startup. Zodius invests in several sectors such as healthcare, logistics, education, logistics, software, financial services, etc. Some of their investments include online grocery platform BigBasket, online furniture store Pepperfry and cloud kitchen FreshMenu. 
Onsitego was founded in 2010 by IIM-Bangalore alumnus Kunal Mahipal with an aim to provide warranty extensions and device protection service to consumer durables. The company had raised $2 million in financing in 2015. Last September, they announced that the company’s revenue is expected to increase eightfold to Rs 2500 crores in the next four years. 
Zodius’ funding will be used towards expanding its existing extended warranty product to annual maintenance contracts. They will be reaching out to their customers directly here on. 
The managing director of Zodius Growth Fund, Shilpa Kulkarni said in a statement to a national daily, that Onsitego is leveraging technology in an efficient manner for even their after-sales services. 
Onsitego will be Zodius’ first investment from its India Growth Fund of $200 million and this fund is mainly meant to focus on emerging new generation companies that have technology at the forefront and companies that are aiming for the next 100 million users. 

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This Startup Lets AI Do The ‘Match-Making’ For People!- Tempemail – Blog – 10 minute

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In the era of swiping right and left, in case if there is a room of feeling tedious and monotonous, technology comes to your aid. In fact, steps ahead and finds you a suitable partner. Complying with the name quite aptly, Betterhalf.ai is an AI startup that has been adopting Artificial Intelligence to do the potential matchmaking.
In an email interaction with Express Computer’s Gairika Mitra, CEO of Betterhalf.ai, Pawan Gupta talks about donning the entrepreneurial hat, and how technology has been the game-changer over the days. 
Edited excerpts:
As per the recent research by Accenture, AI has the potential to add $957 billion to the economy. How do you think ‘Betterhalf.ai’ has been contributing to it?
Betterhalf.ai is the first product in India to arrange love marriages with algorithms. Unlike traditional matrimonial sites like Shaadi.com, Jeevansathi, and Bharatmatrimony, Betterhalf offers the first control to 10M Indians with verified and content-rich profiles, network of working professions between the age of 25-35 who are serious to get married and a safety net for females to curb creepy or non-serious users. 
We have done over 100K matches, 5000 dates last year and between 50-100 marriages last year. Today, we have the world’s fastest onboarding for any matrimonial application in the world and advanced algorithms in place to match two relevant people that cut down 90% of their time they invest in browsing profiles and poor interactions that go nowhere.
We are launching a brand new app in a couple of months with a stunning new design, fastest way to register profiles and see matches and verification features keeping female security as the topmost priority in mind. 
On the overall $1B online and offline matchmaking industry in India, Betterhalf intends to become a market leader and contribute 20% of it 
What is the algorithm of AI used in ‘Betterhalf.ai’ that distinguishes it from other big players in the market?
With a well-integrated AI in place, we match people based on their personality which includes their hobbies, likes and dislikes, their perception towards major factors in life by asking them to fill a questionnaire that feeds as the data for AI. Betterhalf AI engine is focused on six personality dimensions: relationships, social, intellectual, emotional, values and physical level. 
A person is matched based on their individual compatibility score (87% on emotional, 91% on intellectual, 73% on values, etc.) as well as overall compatibility score (88% total compatibility). As users interact with the matches and the compatibility percentage gets more attuned to the user’s preferences, it provides more personalized matches over time.
Talking about finances, Betterhalf has already received seed funding of USD 500k from various angel investors from Google India and Flipkart. Any plans for raising funds soon again?
We have successfully raised $1.2M from investors including Shailesh Rao, Former MD of Google India and Partner of TPG Capital ($2.1B fund) and Vinay Subramanian, Partner at Stakeboat Capital ($200M fund) and Rehan A Khan, MIT & HBS Alumni, and Investor at FirstPenguin Capital. There are other MIT Alumni involved as well who have scaled the company from an early stage to IPO.
At this stage, we are focused on the new product launch and will plan on the timing for the next round of funding this year.
Tell us about your scaling plans and immediate milestones Betterhalf looks forward to achieving. 
We’re introducing the world’s fastest onboarding in AI prediction which will reduce the current onboarding/registering time on the app from 6-7 minutes to under 30 seconds which will be a big milestone in cracking the industry’s issue of low activation rates. Stay tuned for a couple of months.
This year, we would be scaling the app to the first 1M users and go on setting the roadmap for the next 10M years in the coming years.
Lastly, any key learning for wannabe entrepreneurs? Would you like to reveal the secret sauce for success for our entrepreneurs to pick up?
There is no secret sauce per se in my opinion.
The analogy is you are trying to create a new system of the team that is focused on everything to make the product successful, however, nature forces are always against you. Anything can go wrong like user needs not being captured well in the product, financials, organization culture, team leadership 
Any entrepreneur needs a focused and healthy mind with the right leadership at every level to make sure forces of creation are many folds say 10 times more than the forces of destruction. That’s when a system can survive.
At Betterhalf, I talk about this force law often!

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NestAway, Home Rental Startup buys ApnaComplex- Tempemail – Blog – 10 minute

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NestAway Technologies, home rental startup has said that it has acquired apartment management platform ApnaComplex. This is majorly to expand its property management business. The financial details of the deal are not known yet.
Post the acquisition, NestAway is planning to expand its home services, like painting, pest control, and deep cleaning to residents with the ApnaComplex platform.
This is NestAway’s second acquisition since its inception in 2015. It had acquired its smaller rival Zenify, in 2017, for an undisclosed amount. ApnaComplex was founded in 2010, and offers apartment residents a platform that is designed primarily to help settle bills, raise complaints, book common facilities, and also organise public events.
Around 20,000 societies registered on ApnaComplex, spread over 80 cities, would get access to Nestaway’s services with this acquisition. ApnaComplex would continue operating independently after the acquisition and would retain its brand.
NestAway, co-founded by Sahu, Deepak Dhar, Jitendra Jagadev, and Smruti Parida in 2015, has raised around $110 million. This is from investors like Tiger Global, Epiq Capital, Goldman Sachs, and Chiratae Ventures.
Other competitors of NestAway are Zolo Stays, and Oyo. 

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Essential, Andy Rubin’s smartphone startup, is now dead – Blog – 10 minute

Bottom line: The team said that its most recent security update for the PH-1, pushed out on February 3, will be the last. Devices will continue to work but no additional customer support or updates will be provided.
Essential Products, the technology company created by Android co-founder Andy Rubin, is shutting down.
Most suspected that Rubin’s start-up wasn’t long for this world when its debut device, the Essential smartphone, flopped. The company reportedly sold less than 90,000 units in the first six months, prompting a massive round of layoffs in late 2018.
Still, the start-up persisted and back in October, announced a new phone with a very unusual form factor.

Project Gem was the company’s vision to “invent a mobile computing paradigm that more seamlessly integrated with people’s lifestyle needs.” Despite its best efforts, the Essential team said on Wednesday, they have taken it as far as possible and have no clear path to deliver it to consumers. As a result, a decision was made to cease operations and shut down the company.
Project Gem more resembled a touchscreen TV remote than a smartphone with a tall, narrow body that was unlike anything we’d previously seen in a modern smartphone. You have to applaud the company for trying something different but really, it’s hard to see what Essential hoped to accomplish here with such an unusual form factor.

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InfoEdge Acquires Delhi-based E-learning Startup CodingNinjas- Tempemail – Blog – 10 minute

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Info Edge Ltd, the parent company of Naukri.com, has trusted online learning platform CodingNinjas with an investment of Rs. 37.10 crores. CodingNinjas is a Delhi based company looked after by Sunrise Mentors Pvt Ltd. 
After Sunrise’s incorporation in May 2016, CodingNinjas was developed with the mission to educate the next generation of developers and digitally transform teaching. The online platform is updated with new courses that include Python and Machine Learning as well. 
They also have a new program called CodingNinjas Career Camp which offers placements to students. They have recorded a turnover of Rs.5.57 crore for the 2018-2019 financial year. 
InfoEdge invested in the online learning platform through a mix of primary and secondary buying of shares, as said in the stock exchange filing of Naukri.com and property website 99acres.com. The buyout translates to a 25% stake of InfoEdge in CodingNinjas which is expected to scale its online presence with upskilling and reskilling provided on its platform. 
This investment would be huge for CodingNinjas which recently announced the setting up of a new learning center in Pike Creek.

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Facebook Acquires This UK based AI Startup Without Making Noise- Tempemail – Blog – 10 minute

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Artificial Intelligence is not just a popular buzzword, it is a technology that is proving useful for some major industries. The number of AI startups in the past decade has increased and along with it, even the investment in these startups has been huge. Social Media giant Facebook is no stranger to AI technologies and the company’s latest acquisition of Deeptide Ltd reinstates that. 
Facebook has been investing in new technologies for a while now with a particular focus on developing AI capabilities for computer vision, Natural Language Processing (NLP) and deep learning. In 2018, the company acquired or rather hired Bloomsbury AI for NLP research and very recently, Scape technologies, a London based computer vision startup. 
The company had also acquired a visual shopping and Artificial Intelligence startup GrokStyle last year to boost its own AI work. Another move made by Facebook in 2017 was to rebrand its virtual assistant that was called M by taking over an AI startup called Ozlo. Ozlo was integrated with Facebook’s messaging App. 
However, Deeptide Ltd was also acquired by Facebook in December last year and there wasn’t as much attention drawn towards it. Atlas ML was powered by Deeptide Ltd and is the custodian of “Papers With Code” which is an open-source providing machine learning papers. 
As per an international publication, the acquisition was discovered in a regulatory filing and wasn’t announced by Facebook. Their sources say that the price is estimated to be around $40 million. Facebook is known to buy small startups from time to time, however, with major AI startups, the company can be seen heading towards an advanced level. 

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