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iOS 12 could let you unlock your hotel room with NFC

With Apple expected to reveal some of the big features of iOS 12 in a couple of weeks' time, there's some advance news on what one of those features might be: the ability to use your iPhone as a secure door key for a hotel room, thanks to the magic of Near Field Communication (NFC).

That's just one of the potential uses of the technology, which is being opened up to developers in iOS 12, according to The Information. Apps not made by Apple were given a limited amount of access to the iPhone NFC chip with iOS 11, but apparently a lot of the restrictions are going to be lifted, letting developers build more advanced features.

Like, for example, tapping on your hotel room door lock to get inside (something you can already do with an Apple Watch). The NFC chip is currently used for Apple Pay, and it could also be used to let you into your car or to pay for your ride on public transit.

Which phones will get it?

The new functionality is reportedly going to be announced at this year's Apple's developer conference, WWDC 2018, which gets underway on June 4. The Information says Apple employees have already been using the new unlock capabilities at the company's headquarters in Cupertino.

NFC chips have been included in every iPhone since the iPhone 6 from 2014, so as long as your phone isn't any older than that, you'll be able to take advantage of whatever new features Apple has planned. It looks like iOS 12 won't make it to the iPhone 5S anyway, which will be left stuck on iOS 11.

We will of course bring you all the news from WWDC as it happens the week after next. The rumors are that Apple is going to focus on reliability and stability this time around, so there may not be too many major features to talk about.

Via 9to5Mac

from TechRadar – All the latest technology news http://www.techradar.com/news/ios-12-could-let-you-unlock-your-hotel-room-with-nfc

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Bank holiday sales 2018: these are the best deals today

The bank holiday sales are back again today and many retailers are absolutely nailing it so far. This bank holiday's deals are much better than the holiday we had at the start of the month with top-notch discounts on a huge range of items including TVs, laptops, gaming, smart speakers, cheap broadband, mobile phone deals and lots more. And considering the weather has taken a turn for the thundery today, we think it's time to get the kettle on and take advantage of the new cheapness while you wait for the sun to make a comeback.  

We've been busy digging through the early deals to bring you lots of TechRadar-friendly deals on the latest tech. But we're keeping a savvy eye out for plenty of other deals types too. After all, you've got better things to do over the long bank holiday weekend than trawling every retailer site's deals section – although you may want to put that round of golf on hold while Zeus stops throwing a strop outside.

We had advance warning on many discounts from the big retailers, so we're in a great position to bring you the most up-to-date selection of the best offers. If you'd prefer to dig out a discounted treasure of your own, you'll find links to the big stores that are having a May bank holiday sale below with deal highlights just underneath. These could be the best discounts we see before Amazon Prime Day rolls into town in July.

To stay tuned on all our regular deal updates, bookmark our deals page or follow us over on Twitter.

bank holiday sales

Bank holiday sales: quick links

The retailers below are where we've been finding the biggest and best discounts so far this weekend.

  • Amazon: great discounts on Amazon devices and more.
  • Argos: cheaper items for your garden and lots of tech inside you home.
  • Currys: another huge clearance of TVs, fridges, laptops and much more.
  • Sky TV: available from just £20 a month or £35 with broadband too.
  • Now TV: save up to 50% on Sky cinema or Entertainment packages.
  • AO: going big on cheap TVs, laptops, household appliance and electricals.
  • B&Q: time for a bit of home improvement or a new BBQ?
  • boohoo: The UK fashion retailer has been having a sale every day at the mo.
  • John Lewis: home, fashion and electricals with a price match to boot.
  • Tesco Direct: toys, electricals, appliances, outdoor items and more.
  • Very: home, tech, outdoors, fashion and more.
  • eBay: discounts on pretty much every category.
  • ebuyer: fresh discounts on the best laptops and TVs. 
  • Zavvi: discounted games, consoles and limited edition blu-rays.
  • Jessops: cheap cameras, lenses and accessories for all.
  • Dyson: get a discounted vacuum cleaner from the best of the best.

Keep scrolling to see our selected highlights across loads of different categories below. But if you're after something specific that's not included below, you'll probably find it in one of our other regular updated deals hubs. We've got a massive list of super cheap TV deals, or maybe it's time for a new cheap laptop? If gaming's your thing and you're looking for a new console we've got you covered for a cheap PS4, or maybe Xbox One deals, or maybe you're after a Nintendo Switch bundle? We've seen some fantastic mobile phone deals too. Bank holidays are also usually a great time to get a cheaper Sky TV deal.

bank holiday sales

Our Top 10 bank holiday sale deals:

Bank holiday TV deals

Bank holiday laptop deals

Bank holiday Amazon devices sale

Gaming bank holiday sales

Bank holiday broadband deals

Bank holiday mobile phone deals

More great bank holiday sale picks

When do the bank holiday sales start?

The next bank holiday technically starts Monday May 28th in the UK. But the deals have already been unleashed at many stores. So the weekend's barely here, but the bank holiday sales are well under way right now.

We'll keep this page updated throughout the long weekend. The best bank holiday deals will be made available on a first come, first served basis, so don't leave it until the last minute to check out the deals – it might be too late!

from TechRadar – All the latest technology news http://www.techradar.com/news/bank-holiday-sales-deals

Postales desde Kilauea: Once imágenes que resumen toda la destrucción y la belleza que se esconden bajo el volcán

Multimediafile 2109

Hay pocos eventos más terribles, destructivos y bellos que un volcán. Su “furia” es capaz de cambiar radicalmente el territorio, destruir civilizaciones o modificar el clima de todo el planeta. Y, sin embargo, en todo el mundo, más de 800 millones de personas viven a menos de 100 kilómetros de volcanes en activo.

Hoy por hoy, el mejor ejemplo es el volcán Kilauea.

(more…)

Shared hosting vs WordPress hosting: Which plan should I choose?

There are various different types of web hosting and it is crucial that you choose the appropriate hosting package for your specific needs. Shared and WordPress hosting are two common types. How do you know which is best for you and your website? To help you figure this out, in this article, we are going to compare the two.

Overview

Shared hosting is most popular with smaller websites and blogs, and it’s one of the most common types of hosting because it is the most affordable and easy to set up. If your website does not require a large amount of resources or server customization, shared hosting can be the perfect solution for your needs.

WordPress hosting is designed to host websites which are using the WordPress content management system (CMS). Known for its speed, reliability, and increased security, WordPress hosting allows you to focus on your content while the host handles all of the technical server details.

What are the advantages of shared hosting?

Shared hosting has many advantages, not only in terms of cost, but also in features. With most hosting providers, shared hosting offers unlimited storage space, so no matter how large your website may be, shared hosting can store everything.

Unlike WordPress hosting which is restricted to the WordPress CMS, shared hosting allows you to use almost any CMS. Whether you use Drupal, Magento, or a tool like DreamWeaver, shared hosting will support almost all content management systems and web development software.

Shared hosting is known to be the least expensive hosting, making it the most common.

What are the advantages of WordPress hosting?

WordPress hosting brings a whole new level of performance to your website. As it only houses WordPress websites, the server can be optimized in such a way as to allow for advanced server caching. This enables your website to perform at the highest possible speed. This speed optimization can boost rankings on Google as well as improve SEO.

Keeping your online home up to date is an important part of managing and running a successful website. WordPress hosting provides auto-updates, ensuring better security as well as giving you more time to work on content.

If something happens to your website, WordPress hosting generally provides free automatic backups. This gives you peace of mind, knowing that at any time you can restore your website to what it was in the past. The ease and worry-free features make WordPress hosting stand out from other hosting packages.

What are the disadvantages of shared hosting?

Shared hosting can host several hundred websites on one server, which can negatively affect the overall resources and speed of your website. If your website goes viral and you receive a huge traffic spike, due to resources being shared, your website may experience long load times, leading to downtime.

Another aspect of shared hosting is security. Because your website is on a server with many other websites, there is no way to ensure that all maintenance and security updates have been run across all websites. This opens a potential security threat to your website because you cannot manage other website’s security or content management systems.

Shared hosting does not allow server customization due to the effect it can have on other customers’ websites, thereby requiring you to use the default server settings configured by your hosting company.

What are the disadvantages of WordPress hosting?

WordPress hosting is restricted to only hosting websites built with the WordPress content management system, meaning that any other CMS can’t be hosted on WordPress hosting.

Due to server configuration, WordPress hosting generally restricts the overall amount of disk space that you can use. It can also restrict the number of websites that you host on your account. This can be a disadvantage if you have a website which is large in size.

Similar to shared hosting, WordPress hosting also restricts server customization, as the server is highly optimized to allow for the ultimate in loading speeds.

And finally, WordPress hosting typically costs more than shared hosting.

Person reading on laptop

Which hosting type is the best for my website?

To answer this question let’s look at your needs and desires.

We recommend using shared hosting if:

  • You want to use a different CMS outside of WordPress. If you want to use Drupal, Magento, OpenCart, or any other CMS, shared hosting may be your best option. 
  • You have a modest or limited budget. Because shared hosting is the least expensive, it can be a perfect hosting package if you are working on a restricted budget.
  • You want to start small and grow over time. Starting small with shared hosting can be a perfect way to begin, as most hosting companies will allow you to upgrade as your website grows.

We recommend using WordPress hosting if:

  • You are using WordPress as your CMS. Unfortunately, you cannot use other types of CMS with WordPress hosting.
  • You want to manage a medium-sized website or online store. WordPress hosting offers impressive speed and uptime for medium to larger-sized websites. This is perfect for e-commerce, business, intranet, and community websites. 
  • You want to manage your website content, but not your website’s server security. Providing auto-updates, free automatic backups, as well as increased server security, WordPress hosting allows you to focus on your content and not the technical server details.

Conclusion

Many website owners start off using shared hosting. This gives you the ability to get your website live and available for visitors to view. As the most affordable hosting in the market, shared hosting is usually the best option for small websites.

On the other hand, WordPress hosting has advantages. Whether you are a business owner trying to get started or you are an experienced website developer, WordPress hosting should definitely be given consideration when choosing web hosting. Its superfast speeds, as well as enhanced security features, allow WordPress hosting to stand above shared hosting in many areas.

You might also want to check out our many hosting guides:

from TechRadar – All the latest technology news http://www.techradar.com/news/shared-hosting-vs-wordpress-hosting-which-plan-should-i-choose

This 35-year-old banker left Goldman Sachs to start a fintech inspired by his mother — 5 years later Goldman gave him £100 million

The founders of Neyber, from left: Ezechi Britton, Monica Kalia, and Martin Ijaha.

  • Goldman Sachs invests £100 million in UK fintech Neyber last year.
  • Neyber works with employers to let staff borrow money then repay through salary deductions.
  • The company was founded by two former Goldman bankers and an ex-Credit Suisse banker.
  • CEO Martin Ijaha features on Business Insider’s UK fintech 35 under 35 list.
  • Inspired by Sou-Sou, a traditional West African saving club used by CEO’s mother.

LONDON — Martin Ijaha, the CEO and cofounder of Neyber, is one of the people featured on Business Insider’s 35 under 35 UK fintech list.

Neyber, founded in 2014 and launched in 2015, partners with employers to let their staff borrow money at attractive rates.

Repayments are then deducted from future salaries, lowering the risk for the lender and hopefully helping staff manage money better.

Goldman Sachs  invested £100 million the company last year. Goldman’s investment in the UK-based startup is a mixture of debt and equity. It comes alongside an extra £15 million of lending capital for Neyber from existing investors, led by former Deutsche Bank COO Henry Ritchotte and Gael de Boissard, the former cohead of Credit Suisse’s investment bank.

‘I remember my mother coming back with £50 notes when it was her turn’

The startup was founded by three former investment bankers, including two Goldman alums. CEO Martin Ijaha, 35, left Goldman in 2012 and came up with the idea for the business when thinking about the experience of his family as a child.

Neyber has lent £70 million since 2015

“After leaving Goldman, even during my time at Goldman, I was looking at fintech,” Ijaha told Business Insider. “At that time it was defined by peer-to-peer lending, which I found interesting but really I thought there were a few fundamental flaws. There wasn’t a real value proposition for borrowers. It was largely targeting those who could already get loans from banks. I didn’t really feel that it was a sufficient solution.”

Thinking about how he might do something better for borrowers, he remembered his mother taking part in Sou-Sou, a West African savings club tradition.

Ijaha told BI: “She was a nurse. They would go to work and they would have this savings club that they called Sou-Sou, which effectively meant they put some amount of money, £50, into a pot every time they were paid. One of them would take the money home at the end of that month.”

The communal pot would act as a form of community saving, with members able to take money out when they needed.

“I just remember the experience of my mother coming back with £50 notes when it was her turn,” says Ijaha. “That was their way of helping each other save and also make sure they could borrow at reasonable rates because effectively there weren’t any rates. They did this for years and it worked.”

‘You’re cutting out the banks’

Ijaha and his cofounders — Monica Kalia, 44, another former Goldmanite, and Ezechi Britton, 37, an ex-Credit Suisse banker — wanted to apply this collective saving and borrowing model in the workplace because it’s “the biggest community,” Ijaha said. Credit unions also inspired them.

Initially, they ran a proof of concept with Ijaha’s former school in West London, St Charles Sixth Form College. Ijaha approached his former headmaster who “loved the idea.”

“He said, ‘Actually, we already have this issue. A number of teachers are asking me for advances on their salaries and I informally agree to do it.’ We were able to run a pilot with St Charles, we started lending with them in February 2014. We lent them up to £1,500 at a rate of up to 7.9%. We found there was significant demand to borrow.”

A policeman stands among dozens of shoes thrown in Whitehall, near the gates of Downing Street, to demonstrate the killing of children during the Lebanon war during a demonstration organised by Stop the War Coalition in London August 5, 2006. Thousands marched through London to demand a halt to the Lebanon war on Saturday as the British government tried to appease critics who have attacked it for failing to call for an immediate ceasefire.That helped convince Police Mutual to sign-up. Police Mutual is the mutual insurance society for the UK police. 

Ijaha said: “We effectively said we would help them lend to police through their salaries and they could fund the loans by issuing a savings product. You effectively create that model where you’re borrowing and savings within the workplace.”

Police Mutual not only agreed to a pilot with Neyber, but also invested in the business and put in place a £50 million debt facility it could lend to police officers.

Ijaha says: “You’re cutting out the banks, providing much higher interest on saving products, and much lower rates. We had police who were borrowing at an average rate of around 30% — we were lending at an average rate of around 7%.”

Neyber has lent over £70 million and now works with over 80 employers, including 10 NHS trusts, DHL and Anglian Water.

Cofounder Monica Kalia told BI: “The sell in to the employer is very much around financial well-being. Typically an employer would have a range of different benefits on offer outside of just pay — bike to work schemes, childcare vouchers, gym membership.

“Actually, employers increasingly understand that they need to understand financial well-being. We have a financial education portal and the aim there is to engage people with money so they’re much better informed.”

‘We’re very, very proud really’

A view of the Goldman Sachs stall on the floor of the New York Stock Exchange July 16, 2013.Ijaha wouldn’t disclose the exact breakdown between debt and equity of Goldman’s £100 million investment but said the greater part is debt.

He said the equity investment will be used to fund the development of new products, including a savings account based on salary deductions and new borrowing products.

Kalia said they are “very proud” to have sealed investment from their former employer.

“Obviously, the reputation speaks for itself. Having worked there, we know the standards that they expect. We’re very, very proud really.”

Dennis Beeson, a senior executive with Goldman Sachs Private Capital, said in a statement announcing the deal: “Employee financial wellbeing is of increasing importance to UK employers and Neyber is a key player in the evolving market. Neyber’s strong management and leading technology platform ensure its continued success.”

Ijaha said: “We spoke with the majority of providers in the market. Goldman was the most flexible and the most motivated to do a deal with us. Based on our existing relationship with Goldman, we obviously know how things work there. They did a significant amount of diligence — we’re talking six months of diligence — and were pleased with what they found.”

Join the conversation about this story »

NOW WATCH: 80% of startup money goes to 3 states — here’s what one visionary is doing to help spread the wealth

This 35-year-old banker left Goldman Sachs to start a fintech inspired by his mother — 5 years later Goldman gave him £100 million

The founders of Neyber, from left: Ezechi Britton, Monica Kalia, and Martin Ijaha.

  • Goldman Sachs invests £100 million in UK fintech Neyber last year.
  • Neyber works with employers to let staff borrow money then repay through salary deductions.
  • The company was founded by two former Goldman bankers and an ex-Credit Suisse banker.
  • CEO Martin Ijaha features on Business Insider’s UK fintech 35 under 35 list.
  • Inspired by Sou-Sou, a traditional West African saving club used by CEO’s mother.

LONDON — Martin Ijaha, the CEO and cofounder of Neyber, is one of the people featured on Business Insider’s 35 under 35 UK fintech list.

Neyber, founded in 2014 and launched in 2015, partners with employers to let their staff borrow money at attractive rates.

Repayments are then deducted from future salaries, lowering the risk for the lender and hopefully helping staff manage money better.

Goldman Sachs  invested £100 million the company last year. Goldman’s investment in the UK-based startup is a mixture of debt and equity. It comes alongside an extra £15 million of lending capital for Neyber from existing investors, led by former Deutsche Bank COO Henry Ritchotte and Gael de Boissard, the former cohead of Credit Suisse’s investment bank.

‘I remember my mother coming back with £50 notes when it was her turn’

The startup was founded by three former investment bankers, including two Goldman alums. CEO Martin Ijaha, 35, left Goldman in 2012 and came up with the idea for the business when thinking about the experience of his family as a child.

Neyber has lent £70 million since 2015

“After leaving Goldman, even during my time at Goldman, I was looking at fintech,” Ijaha told Business Insider. “At that time it was defined by peer-to-peer lending, which I found interesting but really I thought there were a few fundamental flaws. There wasn’t a real value proposition for borrowers. It was largely targeting those who could already get loans from banks. I didn’t really feel that it was a sufficient solution.”

Thinking about how he might do something better for borrowers, he remembered his mother taking part in Sou-Sou, a West African savings club tradition.

Ijaha told BI: “She was a nurse. They would go to work and they would have this savings club that they called Sou-Sou, which effectively meant they put some amount of money, £50, into a pot every time they were paid. One of them would take the money home at the end of that month.”

The communal pot would act as a form of community saving, with members able to take money out when they needed.

“I just remember the experience of my mother coming back with £50 notes when it was her turn,” says Ijaha. “That was their way of helping each other save and also make sure they could borrow at reasonable rates because effectively there weren’t any rates. They did this for years and it worked.”

‘You’re cutting out the banks’

Ijaha and his cofounders — Monica Kalia, 44, another former Goldmanite, and Ezechi Britton, 37, an ex-Credit Suisse banker — wanted to apply this collective saving and borrowing model in the workplace because it’s “the biggest community,” Ijaha said. Credit unions also inspired them.

Initially, they ran a proof of concept with Ijaha’s former school in West London, St Charles Sixth Form College. Ijaha approached his former headmaster who “loved the idea.”

“He said, ‘Actually, we already have this issue. A number of teachers are asking me for advances on their salaries and I informally agree to do it.’ We were able to run a pilot with St Charles, we started lending with them in February 2014. We lent them up to £1,500 at a rate of up to 7.9%. We found there was significant demand to borrow.”

A policeman stands among dozens of shoes thrown in Whitehall, near the gates of Downing Street, to demonstrate the killing of children during the Lebanon war during a demonstration organised by Stop the War Coalition in London August 5, 2006. Thousands marched through London to demand a halt to the Lebanon war on Saturday as the British government tried to appease critics who have attacked it for failing to call for an immediate ceasefire.That helped convince Police Mutual to sign-up. Police Mutual is the mutual insurance society for the UK police. 

Ijaha said: “We effectively said we would help them lend to police through their salaries and they could fund the loans by issuing a savings product. You effectively create that model where you’re borrowing and savings within the workplace.”

Police Mutual not only agreed to a pilot with Neyber, but also invested in the business and put in place a £50 million debt facility it could lend to police officers.

Ijaha says: “You’re cutting out the banks, providing much higher interest on saving products, and much lower rates. We had police who were borrowing at an average rate of around 30% — we were lending at an average rate of around 7%.”

Neyber has lent over £70 million and now works with over 80 employers, including 10 NHS trusts, DHL and Anglian Water.

Cofounder Monica Kalia told BI: “The sell in to the employer is very much around financial well-being. Typically an employer would have a range of different benefits on offer outside of just pay — bike to work schemes, childcare vouchers, gym membership.

“Actually, employers increasingly understand that they need to understand financial well-being. We have a financial education portal and the aim there is to engage people with money so they’re much better informed.”

‘We’re very, very proud really’

A view of the Goldman Sachs stall on the floor of the New York Stock Exchange July 16, 2013.Ijaha wouldn’t disclose the exact breakdown between debt and equity of Goldman’s £100 million investment but said the greater part is debt.

He said the equity investment will be used to fund the development of new products, including a savings account based on salary deductions and new borrowing products.

Kalia said they are “very proud” to have sealed investment from their former employer.

“Obviously, the reputation speaks for itself. Having worked there, we know the standards that they expect. We’re very, very proud really.”

Dennis Beeson, a senior executive with Goldman Sachs Private Capital, said in a statement announcing the deal: “Employee financial wellbeing is of increasing importance to UK employers and Neyber is a key player in the evolving market. Neyber’s strong management and leading technology platform ensure its continued success.”

Ijaha said: “We spoke with the majority of providers in the market. Goldman was the most flexible and the most motivated to do a deal with us. Based on our existing relationship with Goldman, we obviously know how things work there. They did a significant amount of diligence — we’re talking six months of diligence — and were pleased with what they found.”

Join the conversation about this story »

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This $4 billion company is betting big on Google Cloud as it makes its algorithms smarter and its employees more productive (GOOG, GOOGL, AMZN)

ryan graciano credit karma CTO

  • Credit Karma CTO Ryan Graciano tells us the personal-finance company is betting big on Google Cloud to do all its data processing.
  • He says that the bet on Google isn’t based on saving money on servers, but in making the company’s engineering team of over 350 people more productive.
  • He also says that eventually, Credit Karma will want to shut down all its data-center infrastructure, which still hosts most of its applications and data. 

Google Cloud is hustling hard to sign on large enterprise customers as the company works to close the gap with the leading Amazon Web Services and the second-place Microsoft Azure.

So it’s a solid feather in Google’s cap that Credit Karma, a well-known personal-finance service with 80 million users that’s said to be valued at $4 billion, is moving the entirety of its data-processing services to Google’s Cloud in a project expected to be completed by the end of the year.

It should be noted that Credit Karma relies on Amazon Web Services for some of its corporate applications. But for data processing, Credit Karma is already using the Google BigQuery data-crunching tool, and now plans to use it even more.

Overall, Credit Karma says it does 8 billion predictions a day based on its data to recommend credit cards and other financial products to its customers.

Of the decision to bet on Google’s data tech, Credit Karma CTO Ryan Graciano told Business Insider, “It really feels like Google is a step ahead.”

He added: “So why don’t we leverage their infrastructure?”

Credit Karma was founded in 2007, when there “wasn’t as much cloud,” Graciano said. Amazon Web Services was in its infancy, and Microsoft and Google hadn’t yet gotten into the cloud business. As such, Credit Karma’s only real option was managing and maintaining its own servers in its own data centers, something it does a lot of today.

“We have a fair amount of physical infrastructure,” Graciano said.

The conventional wisdom holds that much of the move toward cloud computing comes from a desire to cut costs — it’s a widely held belief that it’s cheaper to host servers from the mega-efficient platforms run by Amazon and others than it is to keep your own.

Google Diane Greene

That’s not the case with Credit Karma though, according to Graciano. The real value, he says, is that Google Cloud makes it way faster for Credit Karma engineers to build, test, and deploy new concepts and updated models.

About half of Credit Karma’s workforce of more than 700 people are engineers of some type, so those productivity gains add up very quickly, he says.

“It’s all about developer efficiency,” Graciano said. “I can try to cut costs on servers, or I can make those people way more efficient.”

Where before a new service or model might take two years to see the light of day on Credit Karma’s old systems, Graciano boasts that the turnaround time now could be two days.

“That’s way better than 2% savings in capex,” says Graciano, referring to the capital expenditures needed to maintain a data center.

He says there was some initial pushback on the project from some of the Credit Karma engineering staff members, especially from those who had worked closest with the data centers and server infrastructure. But as the project has progressed and they’ve seen those productivity gains, Graciano says they’ve come around.

It’ll be a while before Credit Karma moves everything over to the cloud, Graciano says, just because there’s so much data there — the company collects 8 to 9 terabytes of data a day, all of which has to be accounted for and migrated.

Still, the goal is for Credit Karma to be 100% based in the cloud. At that point, the data centers could shut down.

“We have this vision of getting to cloud as kind of this final, major step,” Graciano said.

Once Credit Karma gets all its data processing into the cloud, it plans to take advantage of other Google Cloud tech, particularly around artificial intelligence, Graciano says. Credit Karma already does a lot of predictions; Google’s AI could help it do more, and faster, he says.

“I want them to keep innovating there, because I want to take advantage of those things,” he said.

Graciano praises the experience of working with Google but demurs when asked whether this means Credit Karma will ditch Amazon Web Services and go all-in on Google Cloud.

“I think it’s too early to call,” he said. “We want to see this project through.”

SEE ALSO: Microsoft CEO Satya Nadella’s ‘revelation’ led to a $100 million database business that’s taking on Google, Oracle, and Amazon

Join the conversation about this story »

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