[kictanet] Equity says M-Pesa lines should be open
Edwin Onchari
eonchari at lynxbits.com
Tue Aug 6 15:50:32 EAT 2013
As many have pointed out, opening up Mpesa will benefit Safcom in the long
run. As some have quoted the case of AT&T, if Safcom were to open up Mpesa,
and may I suggest even setup Mpesa as a separate organization, the growth
will enormous. I can foresee a scenario where the platform will penetrate
the market segments that have eluded other electronic money transfer
providers such as Visa/Mastercard- or even have collaborations with them.
Imagine having someone deposit money into my Mpesa account in Nyamira- Kenya
and be able to use my visa card at a shop in Helsinki! I only see benefits
accruing to Safcom on this
Kind regards,
Edwin
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Sent: Tuesday, August 06, 2013 12:54 PM
To: Edwin
Subject: kictanet Digest, Vol 75, Issue 17
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Today's Topics:
1. Re: [ISOC_KE] Fwd: [IRPCoalition] will happen - IGF Bali
(Ali Hussein)
2. Re: Equity says M-Pesa lines should be open (Ali Hussein)
----------------------------------------------------------------------
Message: 1
Date: Tue, 6 Aug 2013 12:27:49 +0300
From: Ali Hussein <ali at hussein.me.ke>
To: "Grace Mutung'u (Bomu)" <nmutungu at gmail.com>
Cc: KICTAnet ICT Policy Discussions <kictanet at lists.kictanet.or.ke>,
"isoc at orion.my.co.ke" <isoc at orion.my.co.ke>
Subject: Re: [kictanet] [ISOC_KE] Fwd: [IRPCoalition] will happen -
IGF Bali
Message-ID: <3CDA412A-EE1C-469C-B0D3-5020B77FB4F1 at hussein.me.ke>
Content-Type: text/plain; charset="us-ascii"
:)
Thanks
Ali Hussein
CEO | 3mice interactive media Ltd
Principal | Telemedia Africa Ltd
+254 713 601113/ 0770 906375
"The future belongs to him who knows how to wait." - Russian Proverb
Sent from my iPad
On Aug 6, 2013, at 9:29 AM, "Grace Mutung'u (Bomu)" <nmutungu at gmail.com>
wrote:
> Thats Indonesian (I think)
> You can get it translated on Google Translate...but the gist of it is that
the local organising committee has confirmed that IGF will happen as
scheduled.
> Thanks!
>
>
> 2013/8/5 Ali Hussein <ali at hussein.me.ke>
>> Yawa Grace! :)
>>
>> Na hio ni lugha gain?
>>
>> Ali Hussein
>> CEO | 3mice interactive media Ltd
>> Principal | Telemedia Africa Ltd
>>
>> +254 713 601113/ 0770 906375
>>
>> "The future belongs to him who knows how to wait." - Russian Proverb
>>
>> Sent from my iPad
>>
>> On Aug 5, 2013, at 3:55 PM, "Grace Mutung'u (Bomu)" <nmutungu at gmail.com>
wrote:
>>
>>>
>>>
>>> Forwarded Message:
>>>
>>> Just got this news from a friend that its now official that IGF Bali
will be organized as planned.
>>>
>>> http://m.kominfo.go.id/berita/detail/4095/Siaran+Pers+No.+61-PIH-KOM
>>> INFO-8-2013+tentang+Indonesia+Bersama+Komunitas+Internet+Multi-Stake
>>> holder+Global+Siap+Menjadi+Tuan+Rumah+IGF+2013+-+Bali
>>>
>>> Congratulations everyone, who have been working very hard behind the
scenes to make it happen.
>>>
>>> More power to you all,
>>>
>>> Best wishes and regards
>>> Shahzad
>>>
>>>
>>>
>>>
>>> --
>>> Carolina Rossini
>>> Project Director, Latin America Resource Center Open Technology
>>> Institute New America Foundation // http://carolinarossini.net/
>>> + 1 6176979389
>>> *carolina.rossini at gmail.com*
>>> skype: carolrossini
>>> @carolinarossini
>>>
>>>
>>> _______________________________________________
>>> IRP mailing list
>>> IRP at lists.internetrightsandprinciples.org
>>> http://lists.internetrightsandprinciples.org/cgi-bin/mailman/listinf
>>> o/irp
>>>
>>>
>>>
>>>
>>> --
>>> Grace L.N. Mutung'u (Bomu)
>>> Kenya
>>> Skype: gracebomu
>>> Twitter: @Bomu
>>> Website: http://www.diplointernetgovernance.org/profile/GraceMutungu
>>> _______________________________________________
>>> isoc mailing list
>>> isoc at orion.my.co.ke
>>> http://orion.my.co.ke/cgi-bin/mailman/listinfo/isoc
>
>
>
> --
> Grace L.N. Mutung'u (Bomu)
> Kenya
> Skype: gracebomu
> Twitter: @Bomu
> Website: http://www.diplointernetgovernance.org/profile/GraceMutungu
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Message: 2
Date: Tue, 6 Aug 2013 12:46:31 +0300
From: Ali Hussein <ali at hussein.me.ke>
To: James Mbugua <jgmbugua at gmail.com>
Cc: KICTAnet ICT Policy Discussions <kictanet at lists.kictanet.or.ke>
Subject: Re: [kictanet] Equity says M-Pesa lines should be open
Message-ID: <0126DB5E-5E6E-479E-B7ED-5CB6473C6925 at hussein.me.ke>
Content-Type: text/plain; charset="us-ascii"
James ad all
Well put. The difference though is that industry's open up themselves for
open standards. Rarely do companies.
Its incumbent upon TESPOK to convince Safaricom to open up its Mpesa system
'fully' as many listers have suggested. The fact is that the Safaricom chaps
are clever enough to see this coming (and if they are not unfortunately they
will go the way of Telkom Kenya).
Rarely has government intervention in open standards helped the people they
are supposed to help. Even the Banking sector clearing house is run by
Bankers with the hawkish eyes of central bankers looking on.
Safaricom will open up Mpesa fully - when they are good and ready and not a
moment sooner. That's my take.
Ali Hussein
CEO | 3mice interactive media Ltd
Principal | Telemedia Africa Ltd
+254 713 601113/ 0770 906375
"The future belongs to him who knows how to wait." - Russian Proverb
Sent from my iPad
On Aug 6, 2013, at 11:15 AM, James Mbugua <jgmbugua at gmail.com> wrote:
> Openness
>
> I have always felt very strongly about this issue and I agree M-PESA
should be open. I used to barge Michael Joseph relentlessly about this. Open
first in the sense that third parties can interface their products on their
API but secondly and more importantly, open to talk to other platforms the
way banks talk to each other. I can withdraw money from Pesa Point or
another non-Barclays quite easily.
>
> The fact is we cannot let platforms that stifle innovation continue to
prosper. AT&T was finally split up in 1984 not because of its overwhelming
market dominance, but that IT WAS REFUSING TO ALLOW NEW INNOVATIONS TO WORK
ON ITS PLATFORMS thus overall stifling technology.
>
> In the same way, this is not a sustainable position for M-PESA if it
projects its medium to long-term horizon, surely it must see that even the
government will not be comfortable constantly hearing that this % of our GDP
passes through M-PESA.
>
> If I was Safaricom I would be strategizing on how to open up the platform
as painlessly as possible before the combination of disruptive market forces
and government national security interests converge.
>
> Already I can deposit money into my bank account with M-PESA and withdraw
it with Airtel Money. Surely, you don't need to be a genius to see that you
don't need that middle man called the bank if the demand for the service is
there.
>
> Regards
>
> James
>
>
> On Tue, Aug 6, 2013 at 9:15 AM, Mark Mwangi <mwangy at gmail.com> wrote:
>> In my opinion what Equity is asking for is for a common platform aka a
common account that can be credited and debited by airtel money, yu cash
orange money, tangaza etc in the manner that a visa credit card is open game
for any merchant, bank etc. This way M-pesa becomes a platform and not a
safaricom product.
>>
>> I actually don't see how Safaricom looses in this scenario. Exponentially
more transaction fee collections, Increased dependence by industry players,
maintain the intellectual property and ownership of the platform etc.
>>
>> Maybe they are reluctant due to technological immaturity. I also wouldn't
want to embarrass myself after being feted worldwide.
>>
>>
>> On Mon, Aug 5, 2013 at 8:31 PM, Kivuva <Kivuva at transworldafrica.com>
wrote:
>>> @areba, what Equity wants, if I'm not wrong is the ability for you
>>> to setup a club within MPESA where you can use the platform to
>>> transfer funds without them passing through Safaricom.
>>>
>>> The MPESA platform becomes an enabler. Unless anybody else has a
>>> better understanding.
>>>
>>> --
>>> ______________________
>>> Mwendwa Kivuva
>>> twitter.com/lordmwesh
>>> kenya.or.ke | The Kenya we know
>>>
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>>
>>
>>
>> --
>> Regards,
>>
>> Mark Mwangi
>>
>> markmwangi.me.ke
>>
>>
>>
>>
>>
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>> The Kenya ICT Action Network (KICTANet) is a multi-stakeholder platform
for people and institutions interested and involved in ICT policy and
regulation. The network aims to act as a catalyst for reform in the ICT
sector in support of the national aim of ICT enabled growth and development.
>>
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>
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> The Kenya ICT Action Network (KICTANet) is a multi-stakeholder platform
for people and institutions interested and involved in ICT policy and
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sector in support of the national aim of ICT enabled growth and development.
>
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