[kictanet] Equity Bank vs Safaricom :-Round 2

Anthony Kiarie kiarietony at gmail.com
Wed Sep 17 15:12:25 EAT 2014


Hi
This is what GSMA had to say about the matter;

http://www.gsma.com/publicpolicy/wp-content/uploads/2014/08/GSMA-Security-Group-Overlay_SIM_Security_Assessment_August_18_2014.pdf

On Wed, Sep 17, 2014 at 3:01 PM, Harry Delano via kictanet <
kictanet at lists.kictanet.or.ke> wrote:

> Well summed up Walu...
>
> Let's look at the positivity aspect of it, and possibly with the benefit
> of hindsight, adopt a gradual uptake to "test the waters"...
>
> By the way who is giving the honorable legislators professional advice on
> this important Cyber security matter, as they decide the fate of the
> Thin-sim technology...?
>
> Harry
>
> On Wed, Sep 17, 2014 at 2:33 PM, Walubengo J via kictanet <
> kictanet at lists.kictanet.or.ke> wrote:
>
>> Thanks Gicheru,
>>
>> I was really getting woried...most of the security concerns raised by
>> listers are the very same ones traditional banks raised against MPESA a few
>> years ago.  Luckily, the regulators then ignored them otherwise the global
>> story of MPESA may never have been told let alone celebrated.
>>
>> Folks, I am NOT saying there is NO issue with thin-SIM.  There are, but I
>> worry when we sound defeatist and perhaps scared to open a new story of
>> mobile money.  If Kenyans can't do, no one else in the world will.
>>
>> Lets bring out the concerns, but with a view to resolving them rather
>> than running away from them.
>>
>> walu.
>> shared secret: as an info-security professional, I was so paranoid about
>> MPESA that I ended being what strategy books call - Laggards or more
>> politely Late adopters. For years I was quite paralysed with my security
>> analysis (analytic paralysis syndrome) and could dare not sign up.
>> Eventually ofcourse I grudgingly signed up - but still get shivers when am
>> sending that mobile money :-)
>>
>> --------------------------------------------
>> On Wed, 9/17/14, Martin Gicheru via kictanet <
>> kictanet at lists.kictanet.or.ke> wrote:
>>
>>  Subject: Re: [kictanet] Equity Bank vs Safaricom :-Round 2
>>  To: jwalu at yahoo.com
>>  Date: Wednesday, September 17, 2014, 2:00 PM
>>
>>  @Dennis: I don't
>>  see Equity Bank worried that they may be exposing consumers
>>  in the way you just presented, and this has not come out yet
>>  in an argument before. You realize that the same bank
>>  account has been accessible on the mobile phone via USSD
>>  shortcodes that most of these banks have that they call
>>  "mobile banking".
>>  On Wed, Sep 17, 2014
>>  at 1:33 PM, Collins Areba via kictanet <kictanet at lists.kictanet.or.ke>
>>  wrote:
>>  Come to think of this, Would this lead to a rise
>>  in Handset Locking to network under plans much like AT&T
>>  does elsewhere? Leading to a change in business model from
>>  exclusively traditional Prepay to Device Lock in. Or does
>>  the regulator intend to block the larger companies from
>>  doing this too?
>>
>>  On Wed, Sep 17, 2014 at 1:28 PM,
>>  Dennis Kioko via kictanet <kictanet at lists.kictanet.or.ke>
>>  wrote:
>>  I've
>>  been using the Equitel SIM card for a few days.
>>  One of the things that people have been
>>  overlooking in the whole argument is that the Equitel SIM
>>  card virtually has your whole bank account sitting on
>>  it.
>>  So while we are frothing on the mouth over M-Pesa
>>  security, I would think that many people will have more
>>  money in their bank account than on the SIM card. No one
>>  seems to be talking about security on the users side - I
>>  mean, if the Thin-SIM's security is compromised, then
>>  your whole bank account is
>>  compromised.
>>
>>  On Wednesday, 17 September 2014, Martin Gicheru via kictanet
>>  <kictanet at lists.kictanet.or.ke>
>>  wrote:
>>  Also thinking about the part where the SIM card
>>  will need to be inactive while the other is active, I think
>>  Safaricom do have a legal point where they will have a
>>  technical outage as the user switches to second SIM. You
>>  know, unlike Dual-SIM which allows for dual standby, these
>>  two SIMs will not operate at the same time.  That and the
>>  part where we still are not sure about data security as
>>  mentioned by Collins and Delano.
>>  Brings me to this: Who is supposed to test and
>>  verify that the thin SIM wont compromise on the security of
>>  the primary SIM and why hasn't this been done by now. If
>>  I was Safaricom I would worry about giving access to my
>>  customer usage habits, just like any subscribed service is
>>  able to access from their users to make their services
>>  better or like in the case of Google and the likes, serve
>>  better ads.
>>  Martin Gicheru
>>  On Wed, Sep 17, 2014
>>  at 12:37 PM, Collins Areba via kictanet <kictanet at lists.kictanet.or.ke>
>>  wrote:
>>  Safaricom's Case seems grounded on the fact
>>  that The Thin Sim sits squarely in between your safaricom
>>  SIM card (that offers security layer to your accounts within
>>  the safaricom network) and the handset whose input devices
>>  you use to interact with their SIM. In theory therefore all
>>  keystrokes can therefore be "logged", For the
>>  Record I will not be putting anything in that phone that I
>>  use heavily for bank transactions because while not yet
>>  proven beyond reasonable doubt, Safaricom does have a point.
>>
>>
>>  On Wed, Sep 17, 2014
>>  at 11:30 AM, Walubengo J via kictanet <kictanet at lists.kictanet.or.ke>
>>  wrote:
>>  @
>>  Harry D,
>>
>>
>>
>>  I did cover all your questions in the blog. I also thought
>>  Parliament (with all due respect to our very able Hon. MP,
>>  Eng J. Rege who sits on the respective committee) has jumped
>>  the gun and got involved too soon. They should let the
>>  regulator do their thing as per law.
>>
>>
>>
>>  Meanwhile, you and I know, there is nothing like 100%
>>  security (otherwise German Premier's phone would not
>>  have been bugged by the CIA :-) So rather than discuss how
>>  insecure the technology is, we should be discussing how to
>>  implement the technology with increased levels of
>>  assurance/security.
>>
>>
>>
>>  walu.
>>
>>
>>
>>
>>
>>  --------------------------------------------
>>
>>  On Wed, 9/17/14, Harry Delano via kictanet <
>> kictanet at lists.kictanet.or.ke> wrote:
>>
>>
>>
>>   Subject: Re: [kictanet] Fw: Equity Bank vs Safaricom
>>  :-Round 2
>>
>>   To: jwalu at yahoo.com
>>
>>   Date: Wednesday, September 17, 2014, 10:56 AM
>>
>>
>>
>>
>>
>>   What about the headlines indicating
>>
>>   Parliament has  to have a final say on this, based on
>>
>>   alleged security ramifications posed by this new Thin-Sim
>>
>>   Technology..  It is claimed that it's prone to
>>  hacks,
>>
>>   attacks, DoS etc.. and  "will erode significantly
>>  the
>>
>>   gains achieved so far in mobile money market.."
>>  Anyone
>>
>>   with any idea where the technology currently implemented
>>
>>   -
>>
>>   Harry
>>
>>   On Tue, Sep 16, 2014 at
>>
>>   10:00 PM, Mark Kipyegon via kictanet <kictanet at lists.kictanet.or.ke>
>>
>>   wrote:
>>
>>   Mpesa succeeds
>>
>>   primarily because of a strong distribution network. IMO
>>
>>   Equity have the existing clientele and the resources to
>>
>>   offer a product that can genuinely challenge
>>
>>   Safaricom.
>>
>>   On 16 Sep 2014, at 20:11, "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
>>
>>
>>
>>   Support our "YES" to
>>
>>   .africa Campaign!
>>
>>   www.dotconnectafrica.orgFollow us on twitter
>>  and facebookEmail us at: yes2dotafrica at dotconnectafrica.org
>>
>>   Visit our
>>
>>   press room
>>
>>   - Nobody believes the
>>
>>   official spokesman...but everybody trusts an unidentified
>>
>>   source. -Ron
>>
>>   Nesen
>>
>>   - They stole without hiding because their
>>
>>   father is the chief of police -GR
>>
>>
>>   ------------------------------------------------------------------------------------------------------Sophia
>>  Bekele
>>
>>   (Ms), BS, MBA, C.I.S.A, C.C.S, CGEIT, CBS
>>
>>   International, Inc ,Ca, USA/Africa +1 925-935-1589:US
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>>
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>>
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>>
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>>
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>>
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>>
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>>
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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:
>>
>>   @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 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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>>
>>
>>
>>
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>>
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>>    --
>>
>>
>>
>>    Regards,
>>
>>
>>
>>    Collins
>>
>>   Areba,
>>
>>    P.O Box 44441,
>>
>>   00100
>>
>>    Nairobi, Kenya.
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>>    -----Inline
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>>
>>    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.
>>
>>
>>
>>   _______________________________________________
>>
>>   kictanet mailing list
>>
>>   kictanet at lists.kictanet.or.ke
>>
>>   https://lists.kictanet.or.ke/mailman/listinfo/kictanet
>>
>>
>>
>>   Unsubscribe or
>>
>>   change your options at
>> https://lists.kictanet.or.ke/mailman/options/kictanet/sophiabekele%40yahoo.com
>>
>>
>>
>>   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.
>>
>>
>>
>>
>>
>>
>>
>>   _______________________________________________
>>
>>
>>
>>   kictanet mailing list
>>
>>
>>
>>   kictanet at lists.kictanet.or.ke
>>
>>
>>
>>   https://lists.kictanet.or.ke/mailman/listinfo/kictanet
>>
>>
>>
>>
>>
>>
>>
>>   Unsubscribe or change your options at
>> https://lists.kictanet.or.ke/mailman/options/kictanet/dogwallah%40gmail.com
>>
>>
>>
>>
>>
>>
>>
>>   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.
>>
>>
>>
>>
>>
>>
>>
>>   --
>>
>>   Cheers,
>>
>>
>>
>>   McTim
>>
>>   "A name indicates
>>
>>   what we seek. An address indicates where it is. A route
>>
>>   indicates how we get there."  Jon Postel
>>
>>
>>
>>
>>
>>   _______________________________________________
>>
>>
>>
>>   kictanet mailing list
>>
>>
>>
>>   kictanet at lists.kictanet.or.ke
>>
>>
>>
>>   https://lists.kictanet.or.ke/mailman/listinfo/kictanet
>>
>>
>>
>>
>>
>>
>>
>>   Unsubscribe or change your options at
>> https://lists.kictanet.or.ke/mailman/options/kictanet/ultimateprogramer%40gmail.com
>>
>>
>>
>>
>>
>>
>>
>>   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.
>>
>>
>>
>>
>>
>>
>>
>>   --
>>
>>   Ahmed Maawy
>>
>>   Shaper - Global
>>
>>   Shapers
>>
>>   Executive Director - M-Power
>>
>>   (CBO)
>>
>>   Ambassador - Open Knowledge
>>
>>   CTO - D8A, Appfrica Labs
>>
>>   (KE)
>>
>>   +254 714 960 627
>>
>>   Skype: ultimateprogramer
>>
>>
>>
>>   www.globalshapers.org
>>
>>   www.okfn.org
>>
>>   www.d8a.com
>>
>>   www.appfrica.com
>>
>>   www.apps4africa.org
>>
>>
>>
>>   _______________________________________________
>>
>>   kictanet mailing list
>>
>>   kictanet at lists.kictanet.or.ke
>>
>>   https://lists.kictanet.or.ke/mailman/listinfo/kictanet
>>
>>
>>
>>   Unsubscribe or change your
>>
>>   options at
>> https://lists.kictanet.or.ke/mailman/options/kictanet/mkipyegon%40outlook.com
>>
>>
>>
>>   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.
>>
>>   _______________________________________________
>>
>>
>>
>>   kictanet mailing list
>>
>>
>>
>>   kictanet at lists.kictanet.or.ke
>>
>>
>>
>>   https://lists.kictanet.or.ke/mailman/listinfo/kictanet
>>
>>
>>
>>
>>
>>
>>
>>   Unsubscribe or change your options at
>> https://lists.kictanet.or.ke/mailman/options/kictanet/harry26001%40gmail.com
>>
>>
>>
>>
>>
>>
>>
>>   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.
>>
>>
>>
>>
>>
>>   -----Inline Attachment Follows-----
>>
>>
>>
>>   _______________________________________________
>>
>>   kictanet mailing list
>>
>>   kictanet at lists.kictanet.or.ke
>>
>>   https://lists.kictanet.or.ke/mailman/listinfo/kictanet
>>
>>
>>
>>   Unsubscribe or change your
>>
>>   options at
>> https://lists.kictanet.or.ke/mailman/options/kictanet/jwalu%40yahoo.com
>>
>>
>>
>>   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.
>>
>>
>>
>>  _______________________________________________
>>
>>  kictanet mailing list
>>
>>  kictanet at lists.kictanet.or.ke
>>
>>  https://lists.kictanet.or.ke/mailman/listinfo/kictanet
>>
>>
>>
>>  Unsubscribe or change your options at
>> https://lists.kictanet.or.ke/mailman/options/kictanet/arebacollins%40gmail.com
>>
>>
>>
>>  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
>>
>>
>>
>>  _______________________________________________
>>
>>  kictanet mailing list
>>
>>  kictanet at lists.kictanet.or.ke
>>
>>  https://lists.kictanet.or.ke/mailman/listinfo/kictanet
>>
>>
>>
>>  Unsubscribe or change your options at
>> https://lists.kictanet.or.ke/mailman/options/kictanet/martingicheru%40gmail.com
>>
>>
>>
>>  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.
>>
>>
>>
>>
>>  --
>>  with Regards:
>>  blog.denniskioko.com
>>
>>
>>
>>  _______________________________________________
>>
>>  kictanet mailing list
>>
>>  kictanet at lists.kictanet.or.ke
>>
>>  https://lists.kictanet.or.ke/mailman/listinfo/kictanet
>>
>>
>>
>>  Unsubscribe or change your options at
>> https://lists.kictanet.or.ke/mailman/options/kictanet/arebacollins%40gmail.com
>>
>>
>>
>>  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
>>
>>
>>
>>  _______________________________________________
>>
>>  kictanet mailing list
>>
>>  kictanet at lists.kictanet.or.ke
>>
>>  https://lists.kictanet.or.ke/mailman/listinfo/kictanet
>>
>>
>>
>>  Unsubscribe or change your options at
>> https://lists.kictanet.or.ke/mailman/options/kictanet/martingicheru%40gmail.com
>>
>>
>>
>>  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.
>>
>>
>>  -----Inline Attachment Follows-----
>>
>>  _______________________________________________
>>  kictanet mailing list
>>  kictanet at lists.kictanet.or.ke
>>  https://lists.kictanet.or.ke/mailman/listinfo/kictanet
>>
>>  Unsubscribe or change your options at
>> https://lists.kictanet.or.ke/mailman/options/kictanet/jwalu%40yahoo.com
>>
>>  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.
>>
>> _______________________________________________
>> kictanet mailing list
>> kictanet at lists.kictanet.or.ke
>> https://lists.kictanet.or.ke/mailman/listinfo/kictanet
>>
>> Unsubscribe or change your options at
>> https://lists.kictanet.or.ke/mailman/options/kictanet/harry26001%40gmail.com
>>
>> 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.
>>
>
>
> _______________________________________________
> kictanet mailing list
> kictanet at lists.kictanet.or.ke
> https://lists.kictanet.or.ke/mailman/listinfo/kictanet
>
> Unsubscribe or change your options at
> https://lists.kictanet.or.ke/mailman/options/kictanet/kiarietony%40gmail.com
>
> 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.
>
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