[kictanet] Fw: Equity Bank vs Safaricom :-Round 2

Tue Sep 16 20:09:22 EAT 2014

With Ali on this one. Mobile Money is a gone case in Kenya. If Equity is
really providing a value add service then its not through its mobile
platform. Airtel, Yu and Orange all have far cheaper mobile money services.
If there was a service that would be the first to topple M-Pesa it would
have been Airtel Money. Heck, Airtel even offers cheaper call rates from
Airtel to Safaricom than from Safaricom to Safaricom and they still are not
getting customers. Did I mention their network coverage is even stronger?

And what would Equity need to do? Set up masts in as far as Kitui, or as
far as Maralal, or as far as Isiolo? Theres a lot of work to be done before
Equity becomes a service provider to even match the least established
provider there is. They would be better off working with Yu mobile than
working even against Safaricom. No offence.

So the business here is in the value add services, which is where mobile
commerce comes in. What is done is done, the value add is what is the worth
for now. Not the competition. Because competition already exists, no sense
saturating it further.

On Tue, Sep 16, 2014 at 7:57 PM, McTim via kictanet <
kictanet at lists.kictanet.or.ke> wrote:

>
> http://www.economist.com/blogs/baobab/2014/09/disrupting-mobile-banking-kenya
>
> Does anyone know which network Equity is 'virtual" on?
>
> rgds,
>
> McTim
>
> On Tue, Sep 16, 2014 at 10:03 AM, Sophia Bekele via kictanet <
> kictanet at lists.kictanet.or.ke> wrote:
>
>> resting discussion on where mobile baking is going....
>>
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>>    On Tuesday, September 16, 2014 7:52 AM, Ali Hussein via kictanet <
>> kictanet at lists.kictanet.or.ke> wrote:
>>
>>
>>
>> @Walu
>>
>> Lets wait and see...Many have written off Safaricom before. What I'm
>> loving about this discussion though is the elephant in the room. I believe
>> Kenyans are waiting for the next big thing. This mobile money thing has
>> been hyped and flogged until its dead. The next big thing is mobile
>> commerce.
>>
>> And I don't mean the 'Lipa na Mpesa' variety.
>>
>> I mean real m-commerce enablement - SME supply chain financing, invoice
>> discounting etc. That's where the future is and that's why the KCB tie up
>> is interesting. My only concern with that is that most banks (fortunately
>> for Safaricom) are old school thinkers unwilling to venture into the
>> unknown.
>>
>> This ship hasn't sailed yet. It remains to be seen who will be at the
>> helm.
>>
>> *Ali Hussein*
>>
>> +254 770 906375 / 0713 601113
>>
>> Twitter: @AliHKassim
>> Skype: abu-jomo
>> LinkedIn: http://ke.linkedin.com/in/alihkassim
>> <http://ke.linkedin.com/in/alihkassim>
>> Blog: www.alyhussein.com
>>
>> "I fear the day technology will surpass human interaction. The world will
>> have a generation of idiots".  ~ Albert Einstein
>>
>> Sent from my iPad
>>
>> On Sep 16, 2014, at 5:31 PM, Walubengo J <jwalu at yahoo.com> wrote:
>>
>> @Ali,
>>
>> Equity is not just after Safaricom lunch, they are after their dinner as
>> well :-).
>>
>> This thin-SIM technology will do what Number Portability failed to do.
>>  People are likely to "Vooka" onto Equity (cheaper) voice services without
>> having to buy two phones or dual-SIM phones.  Equity mobile money value
>> proposition, will have the side-effect of knock the breath out of
>> Safaricom's voice revenues...fortunately, Safcom can see this, and they are
>> not taking it kindly :-)
>>
>> We are indeed living in very interesting times in .Ke
>>
>> walu.
>> --------------------------------------------
>> On Tue, 9/16/14, Ali Hussein via kictanet <kictanet at lists.kictanet.or.ke>
>> wrote:
>>
>> Subject: Re: [kictanet] Equity Bank vs Safaricom :-Round 2
>> To: jwalu at yahoo.com
>> Date: Tuesday, September 16, 2014, 3:18 PM
>>
>> Collins
>> Well put.
>> Walu,
>> I'm keen to understand how a
>> technology which is a commodity ( read here that Safaricom
>> can also implement the same technology) can usurp
>> Safaricom's unassailable lead in this
>> space.
>> What's my
>> point?
>> Technology is
>> an accelerator and NOT The Strategy in itself. Assume first
>> that what you can access in the open market (as opposed to
>> restricted technology under patent) your competitors can do
>> so too. We usually forget this but MPesa isn't even the
>> best mobile technology in the country. Not even by a long
>> short! They managed to capture their base through first
>> mover advantage and a positioning statement that was
>> apparently well received by Kenyans. And of course there is
>> the Network Effect of being ubiquitous in the
>> space.
>> Equity needs to
>> execute with excellence and not depend on the Technology to
>> take on Safaricom.
>> Needless to say I would love to be a
>> fly on the wall in the strategy sessions currently going on
>> in both companies. Careers will be made or broken on
>> this..no doubt about that.
>> Ali
>> Hussein
>> +254 770
>> 906375 / 0713 601113
>> Twitter: @AliHKassimSkype: abu-jomoLinkedIn:
>> http://ke.linkedin.com/in/alihkassimBlog: www.alyhussein.com
>>
>> "I fear the day
>> technology will surpass human interaction. The world will
>> have a generation of idiots".  ~ Albert
>> Einstein
>> Sent from my iPad
>> On Sep 16,
>> 2014, at 1:06 PM, Collins Areba via kictanet <
>> kictanet at lists.kictanet.or.ke>
>> wrote:
>>
>> "We are glad
>> to use this platform to deliver an extension service to our
>> customers, It is our heartfelt desire to satisfy our
>> customers first, and if technology affords us that
>> opportunity, we are obliged to take up on it. If the same
>> technology should allow us to interact with our customers,
>> and have an opportunity to give them voice and data
>> in the same breath, then why not, those would be extras to
>> the benefit of our client... "
>>
>> Paraphrased from memory during an
>> interview on Citizen last week. I think this opens the game
>> wide Open, and For the Record, Safaricom should be given a
>> Commercial Banking license.
>>
>> My 10 Cents.
>>
>> On Tue, Sep 16, 2014 at
>> 12:06 PM, Walubengo J via kictanet <kictanet at lists.kictanet.or.ke>
>> wrote:
>> Listers,
>>
>>
>>
>> I thought you might find this interesting,
>>
>>
>>
>> ----------------
>>
>> After Equity Bank decided to directly play in the mobile
>> money market by issuing its own SIM cards, we debated
>> heatedly in a previous blog whether Safaricom had finally
>> met its match.  At the time, it was assumed that Equity
>> would be selling the traditional SIM card, which would
>> require customers to either buy dual SIM-card phones or
>> carry two phones in order to access services from two
>> existing providers.
>>
>>
>>
>> Even within the inconvenient scenario above, Equity with its
>> large customer base was bound to pose some significant
>> competition to the leading mobile money provider
>> Safaricom.  The surprise, it seems, is the secret weapon
>> Equity unveiled recently in the form of a Thin-SIM
>> Card....
>>
>> ------
>>
>> Read more @
>>
>>
>> http://www.nation.co.ke/oped/blogs/dot9/walubengo/-/2274560/2453920/-/11d48l2z/-/index.html
>>
>>
>>
>>
>>
>>
>>
>>
>>
>>
>>
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>> --
>> Regards,
>>
>> Collins Areba,
>> P.O Box 44441, 00100
>> Nairobi, Kenya.
>> Tel: +254 707 750 788 / 720 516
>> 758
>> Twitter: @arebacollins.
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>
>
>
> --
> Cheers,
>
> McTim
> "A name indicates what we seek. An address indicates where it is. A route
> indicates how we get there."  Jon Postel
>
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> 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.
>
> 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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