Thursday, January 7, 2016

how to track a phone

The formula of most of these companies is the following: "Show us your smartphone and our application will determine your ability to pay".

Smart phones can drastically reduce the cost of loans, since applications that contain generate enormous amounts of data of texts, emails, GPS coordinates, publications on social networks, purchase receipts, and so on, which brings thousands of subtle behavior patterns that correlate with compliance or non-compliance of payments.

Even variables such as the frequency with a user to recharge the phone battery, the number of received text messages, the number of kilometers that travel on a certain day or how to add contacts in your phones - the decision to include last names correlacionarĂ­a with the ability to pay of the user - can influence the decision to grant a loan. is an example. This company offers an application for Android in Kenya allowing users to apply for credit and obtain approval and access the funds immediately. Loans amount, on average, to $30, enough so that a taxi driver pay gasoline or a fruit vendor in question was merchandise. Branch applied an interest of between 6% and 12%, depending on the creditworthiness of the borrower, that usually pays the loan in instalments ranging between three weeks and six months.

By comparison, traditional microcredit tends to be much more expensive - interest rates often exceed 25% - in part because the creditors should visit borrowers on-site to evaluate your ability to repay. Banks have remained on the sidelines of this operation because of the high cost of the construction of physical branches.
phone tracker

New loan application-based companies are backed by some of the most powerful names in Silicon Valley. Branch, which was founded by Matt Flannery microcredit pioneer, has received funding from Joe Lonsdale, co-founder of Palantir Technologies, a data analysis company. InVenture, based in Los Angeles, is led by a former officer of the United Nations and is funded by investors from risk Chris Sacca and Zachary Bogue. Saida is funded by Y Combinator, an incubator of new firms. And Omidyar Network, an investment firm and a foundation established by Pierre Omidyar, founder of eBay Inc., has a stake in Lenddo, a lender that determines solvency through the analysis of social networks like Facebook.

To install these applications on their smartphones, users authorize them access to any information that can help you evaluate your creditworthiness, from the content of their texts and emails to the duration and volume of your calls.

InVenture algorithms, for example, found that users who are waiting until after 10: 00 h to make calls - night when the rates are more low-are lower risk borrowers. Somewhat against what you might assume, Branch found that users who are known to make bets - something that the application can determine when scanning messages or payments to gambling companies - are more likely to repay their loans than non-players.
cell-phone tracker
These new credit companies are based on the popularity of mobile banking in many economies in development and the rapid increase in the use of smartphones. A report from the Pew Research Center released in April shows that 34% of South Africans, 27% of Nigerians and 15% of Kenyans have a smartphone.

In addition to micro-credit, many of these start-up help fund local small businesses. Some of the customers of the Branch and InVenture in Nairobi (Kenya), for example, have access to banks, but perceive that the conditions that can be obtained over the phone are better. Others had previously requested money to neighbors in Exchange for high interest rates.

Call of Duty Black OPS

GAME has revealed the sales data from the last month of December of the year 2016. The best-selling game during the Christmas month have been Call of Duty Black Ops 3 for PS4 in the top of the list, followed by versions for PS4 and PS3 FIFA 16, the version for the game dance Just Dance Wii 2016, GTA V for PS4, Star Wars Battlefront for PS4, Fallout 4 also for PlayStation 4 Animal Crossing: Happy Home Designer for the portable Nintendo, Call of Duty Black Ops 3 for PS3 and Rainbow Six Siege for PS4.

For the first time in its history, GAME has also included lists of sales of movies blu-ray, comics and mangas, and interactive figures, showing even more data of what more is purchased through its stores and its official website. Here you have all the Top 10, both the general as by categories and platforms.

Still have not hunted the bear and they are already selling the skin, something quite understandable if we consider that both Call of Duty Battlefield are the franchise of action par excellence, getting position itself with each new installment in the highest among the best-selling games.
Call Of Duty
This year the fight has been somewhat uneven, since Battlefield Hardline arrived in stores in March while that Call of Duty: Black Ops III has done the same in November. In addition Hardline has been developed by Visceral Games, while Black Ops III comes at the hands of Treyarch, the most powerful study today among the three developed for Activision Call of Duty games.

But, what the coming year? Since Electronic Arts have confirmed that he says, after recently released Star Wars: Battlefront, anda fully immersed in the development of a hypothetical 5 Battlefield, while Call of Duty's turn to Infinity Ward Studio that passes through low hours after the departure of their main brains in 2012 and the poor reception of the disappointing Call of Duty : Ghosts in 2013.

That's why the analyst Michael Pachter believes that he says and EA are in position to snatch the position of the best-selling video game of the year to Activision with the next installment in Battlefield: "users who felt disappointed with Call of Duty: Ghosts will seek an alternative to Infinity Ward in the coming year." If there is a year in which can be overcome to Call of Duty, that is 2016. "

The analyst argues that he says "learning from mistakes" so "Battlefield 5 will be the top-selling game of 2016". That Yes, since EA will not have it easy, since at Infinity Ward have moved tab with the signing of Dave Stohl, an "executive producer of great talent" from Treyarch.
Call of Duty: Black Ops 3 is once again the top-selling game in the United Kingdom during the last week. In fact, the game from Treyarch and Activision has sold 40% more with respect to the previous week, we assume that on the occasion of the Christmas holidays.

Star Wars: Battlefront still ranks second, this week also with an increase of 16% of the sales over the previous week, probably thanks to the premiere in cinemas of the awakening force.

15 FIFA maintained its third place, with a 20% rise in sales. Fallout 4 and GTA V is followed in fourth and fifth position.