[kictanet] PesaPal Value Proposition?

Fri Feb 15 20:51:09 EAT 2013

Kenya's mobile money innovators should come and showcase their unique products and services at our Banking & Mobile Money West Africa Conference in Lagos over 13-14 March. This is a huge market still to be converted to serious levels of mobile banking. The draft programme is attached. Additional presentation proposals are welcome. And some exhibition stands are still available.

Regards,

Sean Moroney
Chairman
AITEC Africa
seanm at aitecafrica.com
UK Tel: +44(0)1480-880774
UK Fax: +44(0)1480-880765
UK Mobile: +44(0)7973-499224
Kenya Mobile: +254(0)721-845674
Mozambique Mobile: +258-820880583
Nigeria Mobile +234(0)701-196-1413
Skype: seanmoroney
www.aitecafrica.com

[AITEC-anniversary-logo-revised]

From: kictanet [mailto:kictanet-bounces+seanm=aitecafrica.com at lists.kictanet.or.ke] On Behalf Of Peter Kenduiywo
Sent: 15 February 2013 19:35
To: Sean Moroney
Cc: KICTAnet ICT Policy Discussions
Subject: Re: [kictanet] PesaPal Value Proposition?

Walu,
You have no idea how many lurkers have benefited from your "ignorance"
PETER
On 15 February 2013 09:48, Walubengo J <jwalu at yahoo.com<mailto:jwalu at yahoo.com>> wrote:
From: robert yawe <robertyawe at yahoo.co.uk<mailto:robertyawe at yahoo.co.uk>> wrote

>>It is encouraging how you can display your ignorance in public without fear or shame thanks.

Yawe,

Luckily for me, I am in the business of ignorance (teaching). So am used to being asked and in return asking innocent (some may call it stupid) questions.  But real scholars discover  that the need to learn something new always overwhelms the urge to hide under ignorance - in order to look or pretend to be clever.

have a shameless and knowledgeable day :-)

walu.

________________________________
From: robert yawe <robertyawe at yahoo.co.uk<mailto:robertyawe at yahoo.co.uk>>

To: Walubengo J <jwalu at yahoo.com<mailto:jwalu at yahoo.com>>
Cc: KICTAnet ICT Policy Discussions <kictanet at lists.kictanet.or.ke<mailto:kictanet at lists.kictanet.or.ke>>
Sent: Wednesday, February 13, 2013 11:06 AM

Subject: Re: [kictanet] PesaPal Value Proposition?

@Walu

It is said that you should let sleeping laggards lie, I registered with PesaPal many years ago and that is why I have been rolling on the ground with laughter as I read your posts.  It is encouraging how you can display your ignorance in public without fear or shame thanks.

On a slightly more serious note, I always though Liko was some over stuffed wannabe and we even had a few public altercations which become smog clearing for both of us which is why a few weeks ago I called PesaPal the next big thing which I am sure you will now agree with me.

Also take some time to look at Liko's other great product ticketsasa which he has refused to sell to me or at the least appoint me to the board (shameless canvassing).

As I said during something friday, let us not be like the people who asked "what good can come out of Nazareth".

Regards

Robert Yawe
KAY System Technologies Ltd
Phoenix House, 6th Floor
P O Box 55806 Nairobi, 00200
Kenya
Tel: +254722511225, +254202010696
________________________________
From: Walubengo J <jwalu at yahoo.com<mailto:jwalu at yahoo.com>>
To: robertyawe at yahoo.co.uk<mailto:robertyawe at yahoo.co.uk>
Cc: KICTAnet ICT Policy Discussions <kictanet at lists.kictanet.or.ke<mailto:kictanet at lists.kictanet.or.ke>>
Sent: Tuesday, 12 February 2013, 18:28
Subject: Re: [kictanet] PesaPal Value Proposition?

@Liko,

you should be a teacher...brief, precise and to the point.  I have followed your instructions, registered and found the answers to all my questions. Hey, PesaPal demo (using my PesaPal account) will definitely form part of my teaching examples  - been using my Visa Card process as an example and indeed, it does not really "connect" with the students.

Maybe have most of the answers/demos available AFTER registering, to be also available BEFORE registering - remember the usual FAQ page?

walu.
nb: meanwhile, I just discovered I could also use PesaPal to buy and deliver flowers to my wife on 14 Feb - without enduring the agony of carrying them in town :-). Yawe might you be one of those registering on PesaPal for this one reason?

________________________________
From: Agosta Liko <agostal at gmail.com<mailto:agostal at gmail.com>>
To: Walubengo J <jwalu at yahoo.com<mailto:jwalu at yahoo.com>>
Cc: KICTAnet ICT Policy Discussions <kictanet at lists.kictanet.or.ke<mailto:kictanet at lists.kictanet.or.ke>>
Sent: Tuesday, February 12, 2013 5:41 PM
Subject: Re: [kictanet] Paypal Value Proposition?

Walu

Business

When we started in early 2009, we are simplifying how businesses and traders to get paid ... easily. We built a platform that currently enables eCommerce websites, schools, utilities and even event owners to sell their wares direct to the consumer

Check https://www.pesapal.com/products/ecommerce to see some merchants on our network

Tourists want to pay using Visa/MasterCard --- online

Consumer

There are 13 million mobile money accounts, 8 million Visa/MasterCard and 4 million Mobile Banking Accounts - our focus here is to enable you to make a payment using your preferred payment method.

Please go to https://www.pesapal.com/account/register - register a personal account and play around. You can pay your bills, pay school fees, buy airtime etc etc. Your personal account is a one stop place for all payments... and we keep adding merchants

You can try using Zuku, DSTV, JTL or just load your Orange Modem ... you can use any of the 8 payment options we have.

Work in Progress

As we continue to add merchants, we see value in adding a disruptive offline payment method {POS} ... maybe the curio seller will be able to access Visa on Mai Mahiu Road. Maybe the wood carvers in Ukambani will be able to sell their wares direct or via POS to anyone anywhere in the world

I am a fan of http://www.novica.com/ - but East Africa with Kamba and Makonde Carvings dont show up there ... Kisii Soapstone is missing too

Hope this helps :)

Your Student

On Tue, Feb 12, 2013 at 4:53 PM, Walubengo J <jwalu at yahoo.com<mailto:jwalu at yahoo.com>> wrote:
@Kioko,

Abit windy but i do get the drift.  Am i correct if I conclude that PesaPal is our  local equivalent  of the American Paypal?  Oops another middle class question :-)

walu.
nb: I do hope you are not a mwalimu since you might "lose" many students.  Though you would make a good preacher given as you speak in parables :-)

@Wash - most welcome to ride on my ignorance :-)

________________________________
From: Dennis Kioko <dmbuvi at gmail.com<mailto:dmbuvi at gmail.com>>

To: Walubengo J <jwalu at yahoo.com<mailto:jwalu at yahoo.com>>
Cc: KICTAnet ICT Policy Discussions <kictanet at lists.kictanet.or.ke<mailto:kictanet at lists.kictanet.or.ke>>
Sent: Tuesday, February 12, 2013 2:03 PM

Subject: Re: [kictanet] Paypal Value Proposition?

Let me try helping.

Assuming that I somehow acquired a container of the rare Nexus 4 phones, for sale in Kenya. Now, I don't own a shop, and may not be interested in setting up one, or may have one, but would like to target the upward mobile, the likes of Munyao Longwe, who are Internet Savvy.

I therefore create a site where Munyao can come and order himself a phone, for delivery to his home or office, perhaps through Aramex or another courier. Now, Munyao has to pay me before I deliver the phone. He can do so in a number of ways, perhaps by M-Pesa, Equity Bank card, Visa , Mastercard Debit or Credit.

To collect the money from Munyao, I would need to give him my M-pesa number, and wait for him to pay, or present a card swiping machine from which he can swipe his preferred card. But this is quite cumbersome and introduces the need of reconciliation and possibility of errors - dispatch of an item I am unsure is paid for, or non-dispatch of a paid for item since I can't find the records.

I therefore decide to come up with a system that will accept whatever payment system Munyao presents, be it Airtel Money, or his Cayman island issued Credit Card. The system will process his payment and show all payments in one dashboard. Now, I would need to hire someone to do such a system, or another to configure the Open Source PesaPi (Google).

However, one enterprising Liko has developed PesaPal, which does payments from a large variety of sources, and presents the info from the same in a standard output. He then charges me a percentage of sales on every transaction, or perhaps a graduated fee like M-Pesa.

With his system, my work is reduced to just looking at whether payments have been made against orders, and for how much.

Furthermore, I can automate further by using PesaPal's Application Programming Interface to link my Point of Sale system with PesaPal.

Yo therefore make an order - pay via Pesapal - my PoS acknowledges payment and credits your shopping basket with the item, and allows it to be checked out, or delivered. I can therefore go sit by my container all day, await notifications from PesaPal, and dispatch mobile phone through courier.

I no longer have to call Longwe to ask how he will pay, or later reconcile my payments against my dispatched orders, since all this is done automatically.

Hope this sort of explains it, or did I make things worse?

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KICTANetiquette : Adhere to the same standards of acceptable behaviors online that you follow in real life: respect people's times and bandwidth, share knowledge, don't flame or abuse or personalize, respect privacy, do not spam, do not market your wares or qualifications.

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