Disruptiv Newsletter: Mobileye IPO 📈 YouTube health labels ☘️ Hundai hydrogen robotaxis 🚕 Apple x Meta 👎 Hermes pet lineup 🐶 Crypto 🎨 and more

Welcome to the Disruptiv newsletter! You're about to get this week's top tech and innovation insight that we saw this week. Enjoy! [disruptivflow-header] Good morning, FlowBankers Welcome to the Disruptiv newsletter! A weekly aggregate of relevant tech-focused quick takes. . Saturday 29th October, 2022 [Start trading](113/cXx8Z04/VX96Gx1CSZ8jV8-H3M6RGtPVW8GDvjX4RKqlgN197WW_2-MK5V1-WJV7CgD2TW1Xnnmk6Tzm_VW6Md9yW57NF8TW3qrn-G4nNTKlW6VkgPZ3D-RM-W24f-lV7KVbhdW56VL7X6cN5P2N1D389Xh-69_W2hGkGD3_-TNgW8FXDZq5JtTKFW3xLyjh96B6kmW7wwzfZ5CHbfkW7by_vx7v66hXV5R9t84h3nZFN2LSmPgJx6RHW1HKBZ43mfWrCW5sl4Fh7xbdQQW3lShdk8zQt3DV8BrFd9c52rxW34NcP85Zzw6ZVq81ng5ZwJYg3mxs1) FlowBank tech articles 📚 Is the Halloween effect real? [shutterstock_643141885-1](113/cXx8Z04/VX96Gx1CSZ8jV8-H3M6RGtPVW8GDvjX4RKqlgN197WXh2-MKpV1-WJV7CgNLBW2GMzym4QFlbwN33Q7NdJtyzNVy9Pxv4xxr7mW4S4v1y2nLTZmVRxfQ260Yvw5W73bs80618nG6W1FrMw331-RTrW5j-dPY9fDw0cN5xXvVNj3KTcW1l0TLf79J1gMW35kCRN9dF0zVW7k7dy15WTd2TN7t_QRCD8-vmW89lgWy4jxrXhW4wW9_423vqMLW6_999y6bmd33W1f_lMk600Dh2W7vR4DZ55XhrnW4ldNcX1SDyPzW6lqClS92yrd7N6KsGHCjhzjQW8SNxGM5dSpnF3jq31) The forthcoming scary season is not only a favourite time for kids (and many adults), but also for the stock market. That’s because the beginning of Halloween also supposedly coincides with the beginning of a seasonally strong period for market returns, known as the "Halloween effect". But is the Halloween effect real? [Read me](113/cXx8Z04/VX96Gx1CSZ8jV8-H3M6RGtPVW8GDvjX4RKqlgN197WXh2-MKpV1-WJV7CgY_DW34bRtF8nbdFlW5JcLjJ1-54ckW8Vc--x1Y3PZ6W6m3CNH1KKR4cVQ5VSv7BXf1LW7PJJht6KPQfjW8tr8X159RGcdW2_ZDSr7G6cDTW7D20tT383pQMW2GxT5l4XbvBqW3fj6S17zrWr3W1RWQ2R85sT0-W4n6RjQ8l194WW5SJYwW4_gBkyW68StD47j9s4DW98tFNM8GKBmRW8hfxJ88BykPyVsYkpL55HqxXW43N3QB5YV31SN2NDSWhzjJYTW2MFs9C14rYh9W7yyHtY1Z7dtD32vw1) Ethereum Staking Yields [shutterstock_1912570657](113/cXx8Z04/VX96Gx1CSZ8jV8-H3M6RGtPVW8GDvjX4RKqlgN197WW_2-MK5V1-WJV7CgVk-W5sxFct4b74w-W9hbvgh4vcswFW6Vd0MS2KtJRDW3vPpsV3ntQ42N58YvnWdVWvTW1f5SGp3Spy-PN5nTCPx9X78PW2RSnfS8-GDchW1Wc-nY3yYlHNN43vpqM36HLkVh8nZX4hh1ZtW119rHg8KpGYmW6Z2tXh99M-YyW3WvPVL596hZjW487vlB3R7h-yMYnGSQxXNpHW227RB11hRyXrW4s-bzQ9dbDG3W3Kk7kb4tG5ZZW67yP4l1JqY_B3fcs1) On September 15th, Ethereum transitioned from a Proof of Work (PoW) network to a Proof of Stake (PoS). In this report, we will be discussing how this change affects the reward system and what annual percentage rate (APR) stakers can expect. [Read me](113/cXx8Z04/VX96Gx1CSZ8jV8-H3M6RGtPVW8GDvjX4RKqlgN197WW_2-MK5V1-WJV7CgNbQW93-6JW6W1yw1W2PNZd07r6GM3W4tHrgB3fTHftW280Slk1Zc-PjN8lVBPDmG9bZW14hLHr39yLtmW4-xCbm22CRHXW6b7rRf28qGTYN3b5psjV5J6LW1FjdMS9jSgjDW6DQ67g32lh8NW9j-fzM1bMTlxW8Jm8hT88sm2JW7Wls1R6sCCvwW3synwB2hNPD0W5dN0f24MYtblW3Rdkq77VP7R6W5Kw2rM7VvP-qW8YGjsS2BFhRwN13F9mf_4s523jvk1) Big Technology 🍎 - Mobileye, a self-driving vehicle tech company saw its shares gain 37% at its IPO on Wednesday. Intel will use proceeds to build chip factories. c - YouTube will certify channels of licensed health professionals like doctors, nurses, or therapists who produce health-related content. c - Hundai is partnering with WeRide, one of China's most funded robotaxi operators to launch a "self-driving hydrogen vehicle pilot zone". c - Apple took a punch towards Meta, in updating its App Stores rules to require that IOS developers use in-app purchases, and thereby give Apple 30% on “sales of ‘boosts’ for posts in a social media app”. c - Hermes has expanded its lineup of luxe goods for dogs, with a full collection of Hermes-branded pet accessories for bowls for ∼ $1'140. VC + Startups 🎯 - SwiftConnect, a platform for handling space booking, visitors and meetings in physical offices, raises $17 million. The technology also lets employees use their phones to access the office or different rooms. - Heura, a Barcelona-based startup developing plant-based meat raises €20 million as it nears doubling revenue for its vegi chicken, beef, and pork products. It landed partnerships with big retailers including Migros. - Workersbase, a Munich-based SaaS startup developing a platform enabling a more dynamic and agile manufacturing, raises €10 million. - YourCampus, an Amsterdam-based startup aiming to shake up how employers approach perks and benefits raises €2.7 million to expand across Europe. It is helping shape a new era of compensation packages. - Pixaera, a London-based startup raises €5.7 million to develop a gaming platform for the professional world. It is taking e-learning into a new era, giving employees immersive learning opportunities to practice new skills. Crypto 👾 - In the US, Block’s Cash App users can now send and receive Bitcoin via the speedy solution of using the “second layer” of the Lightning Network, essentially allowing using crypto for smaller purchases. c - Phil Spencer, Microsoft’s gaming CEO, made comments that the future of work in the metaverse will look 'more like video games'. Law and regulation 🕵️ - India's competition regulator has fined Google $161 million, accusing the tech giant of entering into "one-sided agreements" with smartphone makers to ensure the dominance of its apps. c - A committee of MPs in the UK said Big tech firms should face tougher penalties for abusing their market power, urging the government to publish legislation that could allow firms to be fined up to 10% of income. Disruptiv Figure 📊 . Streaming price hikes across the industry Apple is raising its streaming prices this month, just a few months after market leaders Netflix and Disney took similar steps. The latest price increases come at a time when consumers are seeing their budgets squeezed by inflation. With almost 60% of US streaming subscribers now having 3 or more video subscriptions, perhaps some will cut back. [Streaming inflation] Don't forget to... [Start trading](113/cXx8Z04/VX96Gx1CSZ8jV8-H3M6RGtPVW8GDvjX4RKqlgN197WW_2-MK5V1-WJV7CgZ4CW77wH7Q4cNGMHW7BGm5H1MDr1JW53JMZc521wZcW7vLK2y8BcpZGW4GG6xz5KyfmfW1Fc7Fk6gtWpwW8D-rX22X9KWJN8hQRDK9CdsBW8d1SpP6Pg8HPW91tbCf8lJNhQW2sRpBD51JDF3W2r3T6L4WmgwWW71wl8b5x2z3SW7lrMXH6Tj7vjW6GmFk31hDbGMW3_spLF6JPNTYW8jwMCx14FVN7M2vv3zsrc9MW8WYnP564J0j-W5Qmgd26stR_t37kQ1) [logo_white] [Contact us](mailto:research@flowbank.com) Facebook LinkedIn Twitter Instagram FlowBank SA, Esplanade de Pont-Rouge 6, P.O. Box 1303, 1211 Geneva 26, Switzerland, +41 (0) 22 888 60 00 [Unsubscribe]( [Manage preferences](