[kictanet] Equity says M-Pesa lines should be open
Edwin Onchari
eonchari at lynxbits.com
Tue Aug 6 16:51:07 EAT 2013
Bernard,
You might have missed my points below. While the thread's subject line reads
"equity..." Discussions so far have evolved to include other
issues/suggestions (in my case a suggestion) on how safcom can innovate
further. I am not for/against Equity's request/demand or whichever way they
might have phrased it. All I said here is that if safcom were to have Mpesa
standalone for instance-it would mean that I do not have to have a safcom
line/hold an I&M card/account to be able to deposit money into a
Mastercard/Visa - whose holder might not necessarily be an I&M customer (by
the way I have an I&M card). I also said - if this is already happening,
then my suggestion was time barred! So, is this already happening as I have
explained? If so, then mea culpa
Edwin
-----Original Message-----
From: Bernard Kioko [Bernsoft Interactive Limited]
[mailto:bkioko at bernsoft.com]
Sent: Tuesday, August 06, 2013 4:19 PM
To: 'Edwin Onchari'
Cc: 'KICTAnet ICT Policy Discussions'
Subject: RE: [kictanet] Equity says M-Pesa lines should be open
Edwin,
Even before Andrea answers, I need to politely ask, why is this a Safaricom
issue really? YOu or someone could create this system - innovate. MPESA is
open enough to allow for this. Infact, I&M Bank have this service running
with MPESA today. If you mpesa any amount to paybill 510510 and enter my I&M
visa card number, that amount will reflect on my visa account and I can shop
worldwide with it.
Kind Regards,
Bernard Kioko
-----Original Message-----
From: kictanet
[mailto:kictanet-bounces+bkioko=bernsoft.com at lists.kictanet.or.ke] On Behalf
Of Edwin Onchari
Sent: Tuesday, August 06, 2013 4:12 PM
To: bkioko at bernsoft.com
Cc: KICTAnet ICT Policy Discussions
Subject: Re: [kictanet] Equity says M-Pesa lines should be open
Andrea,
You mean to say that if I go to an Mpesa outlet in a remote location such as
Nyamira on a Sunday evening, I can deposit money into my friend's
Visa/Mastercard to get me an Eagles T-shirt from Philly without the need for
me to have a safcom line or go to a bank? If so, then my suggestion is time
barred, otherwise, that is the kind of innovation I meant
Edwin
-----Original Message-----
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Behalf Of kictanet-request at lists.kictanet.or.ke
Sent: Tuesday, August 06, 2013 3:54 PM
To: Edwin
Subject: kictanet Digest, Vol 75, Issue 21
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Today's Topics:
1. Re: Equity says M-Pesa lines should be open (Andrea Bohnstedt)
----------------------------------------------------------------------
Message: 1
Date: Tue, 6 Aug 2013 15:53:46 +0300
From: Andrea Bohnstedt <andrea.bohnstedt at ratio-magazine.com>
To: Edwin Onchari <eonchari at lynxbits.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:
<CAFaobUCDn=RuA-ih6nmd-rp5Ji10X32Lonp9shYDYnKbRCnxaQ at mail.gmail.com>
Content-Type: text/plain; charset="iso-8859-1"
Safaricom/Visa co-operation was launched in early 2011, so shop away in
Helsinki!
On 6 August 2013 15:50, Edwin Onchari <eonchari at lynxbits.com> wrote:
> 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
>
> -----Original Message-----
> From: kictanet
> [mailto:kictanet-bounces+eonchari=lynxbits.com at lists.kictanet.or.ke]
> On Behalf Of kictanet-request at lists.kictanet.or.ke
> Sent: Tuesday, August 06, 2013 12:54 PM
> To: Edwin
> Subject: kictanet Digest, Vol 75, Issue 17
>
> Send kictanet mailing list submissions to
> kictanet at lists.kictanet.or.ke
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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-K
> >>> OM
> >>> INFO-8-2013+tentang+Indonesia+Bersama+Komunitas+Internet+Multi-Sta
> >>> INFO-8-2013+tentang+Indonesia+Bersama+Komunitas+Internet+ke
> >>> 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/listi
> >>> nf
> >>> 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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