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

[Collins Areba]

@McTim He said Airtel.

On Tue, Sep 16, 2014 at 8:09 PM, Ahmed Mohamed Maawy via kictanet <
kictanet at lists.kictanet.or.ke> wrote:

> 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....
>>>
>>> With best wishes,
>>> *Sophia *
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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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>> 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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>> 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.
>>
>
>
>
> --
> Ahmed Maawy
> Shaper - Global Shapers
> Executive Director - M-Power (CBO)
> Ambassador - Open Knowledge
> CTO - D8A, Appfrica Labs
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> Skype: ultimateprogramer
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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.
>
> 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.
>



-- 
Regards,

Collins Areba,
P.O Box 44441, 00100
Nairobi, Kenya.
Tel: +254 707 750 788 / 720 516 758
Twitter: @arebacollins.
Skype: arebacollins
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