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A number of startups are trying to ease this burden on student borrowers by offering them easy ways to refinance loans at lower rates

Climb Credit, a new entrant into the student lending market which just received a $400 million lending facility, is taking a different approach

So Climb set out to change the model

Another twist on the traditional lending model is that

Google’s Instant Apps seem positioned to disrupt monetization efforts for Android developers

By distilling down to a single app feature, Google is not only providing a quicker way for users to access the best feature of an app

so that content didn’t show up in search results and Google wasn’t able to fully monetize from apps

The three most popular monetization strategies for mobile publishers are paid (where someone buys the app), in-app purchases (where someone pays to unlock content or remove ads) and in-app mobile advertising (which includes the videos and banners tha

For example, when sharing a link to a Buzzfeed recipe with a friend

While downloads might initially fall, user engagement and retention could increase once people are exposed to the value and usefulness of your app through the mobile web

but they also break down barriers to entry and expose parts of your app to a broader audience

which may ultimately convert them to your product — for the long haul

and how it's becoming less effective.

Ohanian compared Reddit's plans to Digg, one of the site's early competitors

When you take away the core of what it's supposed to be about, the community is not going to be too happy about it

Ohanian claims that Reddit still has a lot to work on, but it intends to find a way to monetize from the community directly

We live in a world where there's just too much data to ignore, and there's just got to be a way to figure it out,

Ohanian intends to expand upon users gifting "cred" to one another as a way to generate revenue that embraces the community, rather than exploits it.

translation

Ping was born from a personal frustration with having a super computer in my pocket, and not having a simple way to exchange information with the people I meet