[kictanet] Equity Bank vs Safaricom :-Round 2
Mark Mwangi
mwangy at gmail.com
Fri Sep 19 09:23:55 EAT 2014
Safaricom is threatened by reduced revenue, not death. At best Equitel will
dent their market share and overtake Airtel money as the no. 2 platform.
What would be interesting is if they open up their API to work with other
players such as Tangaza, Airtel money and whomever else creeps up.
Basically do what Safaricom has always resisted to do. I do not see this
hurting them whether revenue wise, customer loyalty or owning the
distribution
Also some way to tie up all this to paypal or some other internationally
recognized payment platform will help them dominate the online marketplace.
The devil, as usual, is in the details.
On Thu, Sep 18, 2014 at 4:10 PM, Mwendwa Kivuva via kictanet <
kictanet at lists.kictanet.or.ke> wrote:
> What if Equity bank is trying to pull a fast one on us? I'm not
> clearvoyant but my guess is, Equity is diverting other players through
> the Thin SIM while it is busy stabilizing it's systems that will
> eventually use the normal SIM. The Equitel SIM cards are all over now
>
> On 18/09/2014, John Masiwe via kictanet <kictanet at lists.kictanet.or.ke>
> wrote:
> > +1 Kamotho. Notwithstanding the self incriminating statement by Safaricom
> > which shows any one with malicious intent only need acquire a Thin SIM
> and
> > preload to access their network, Safaricom could also have done well to
> > share videos or live demos of their lab tests as proof of this threat.
> >
> >
> >
> > It is mind shuttering to imagine the consequences of this admission
> > particularly in this age of cyber attacks.
> >
> >
> >
> > If I were Safaricom I would be spending my energies with CBK to get a
> > banking license!
> >
> >
> >
> > John Masiwe
> >
> > Business Development Director & CEO
> >
> > Blue Gate Technologies Ltd - Professional and Quality ICT Services
> >
> > 4th Floor - Bishop Maigua Plaza (opp. Uchumi Hyper - Ngong Rd)
> >
> > Ngong Road, Nairobi
> >
> > P. O. Box 344 - 00600 Nairobi
> >
> > Website: www.bluegate.co.ke | Email:
> > jmasiwe at bluegate.co.ke | Tel: 0725 24 88 00 - 0714
> 772
> > 468
> >
> > Email Signature
> >
> >
> >
> > From: kictanet
> > [mailto:kictanet-bounces+jmasiwe=bluegate.co.ke at lists.kictanet.or.ke] On
> > Behalf Of Kamotho Njenga via kictanet
> > Sent: Thursday, September 18, 2014 1:18 PM
> > To: John Masiwe
> > Subject: Re: [kictanet] Equity Bank vs Safaricom :-Round 2
> >
> >
> >
> > It would be inappropriate to dismiss Safaricom's security concerns
> without a
> > bit of interrogation. Below is a brief excerpt of what Safaricom's team
> > advanced as the basis of their opposition for the Thin SIM before the
> > Parliamentary Committee
> >
> > "Safaricom head of regulatory services Stephen Chege and the head of
> product
> > services Kenneth Okwero said the technology will affect Kenyans and other
> > mobile phone subscribers if thin SIMs are overlaid on users' primary SIM
> > cards. Mr Chege said when Safaricom became aware of the technology, it
> put
> > the thin SIM in its lab and tested to see how it affects communication
> > between the phone and the original SIM. From testing, we found out that
> it
> > is a bridge between what you type in your phone and the main SIM. Thin
> SIM
> > is capable of seeing through any transaction," he said. He said the thin
> SIM
> > technology may compromise its M-Pesa services."
> >
> >
> > Relevant questions from this position may include:
> >
> > 1. Does the problem emanate from the Safaricom's SIM being used as a
> bridge?
> > (Kutumiwa Vibaya as literally said)
> >
> > 2. How exactly does the Thin SIM see through the transaction and which
> > particular Thin SIM variety is in focus?
> >
> > 3. Beyond seeing through the transaction, what threats are posed by the
> Thin
> > SIM?
> >
> > 4. Whose duty is it to secure a clients transactions from been seen
> through,
> > intercepted, corrupted etc. Does the duty fall on Safaricom or on the
> > competitor? Can you rightly accuse people of being snoopy for seeing
> through
> > your birthday suit having opted to walk naked? Are strangers obliged to
> shut
> > their eyes or clothe you to preserve the sanctity of your nudity?
> >
> > 5. Which exact layer of the M-Pesa system is being compromised? Is it the
> > individual client transaction or the larger network? Can a penetration
> > within my SIM card affect the state of fellow subscribers?
> >
> > 6. What other vulnerabilities are Safaricom subscribers currently
> exposed to
> > which can only be divulged if any other competitor proposes to offer
> another
> > disruptive solution?
> >
> > 7. Are we better of if we just enact a regulatory requirement that
> subjects
> > all future emergent technologies/solutions to the dominant players lab
> "to
> > get clearance"?
> >
> > 8. If both the Ordinary and the Thin SIM belong to me, what issues arise
> if
> > the SIMs decide to observe or interfere with each others activities?
> Assume
> > a scenario where one of my two SIMs initiates a fraudulent transaction
> and
> > steals from the other? (e.g the Thin SIM steals money from my M-Pesa and
> > deposits it in my Equity bank account)
> >
> > 9. Bearing in mind that security is neither guaranteed by the
> conventional
> > or the thin SIM, what about candidly telling Kenyans that they have
> always
> > risked with the traditional SIM and another SIM (Thin SIM) with unknown
> > risks is about to hit the market?
> >
> >
> >
> > Kamotho
> >
> >
> >
> > On Wed, Sep 17, 2014 at 8:44 PM, Aquinas Wasike via kictanet
> > <kictanet at lists.kictanet.or.ke> wrote:
> >
> > Listers,
> >
> >
> >
> > I think we are tending to over-analyze. In this space, there is really
> never
> > a sure fire stage of so called proven technology.....even M-Pesa remains
> > evolving!
> >
> >
> >
> > M-Pesa was never anything really technologically ground-breaking, it was
> > just a logical solution to the mama-mboga/wanjiku problem of money
> transfer.
> > It was a very simple system/solution to a known problem. But it caught on
> > and became a runaway success (even the originators of M-Pesa do marvel
> about
> > the combination of luck and other factors that led to its success). It
> was a
> > value add service to its existing customers.
> >
> >
> >
> > That said, M-Pesa has been a beneficiary of soft regulation. It remains
> so
> > even today! Both CBK and CA (formerly CCK) remain undecided or unsure
> about
> > how to regulate that market almost 10 years later. Safaricom through its
> > large customer base network effect and lock-in strategy ran away with the
> > significant mobile transfer customer base. Airtel could never shake this
> > strangle-hold. Safaricom went on to become a near monopoly in the mobile
> > money (transfer/payments) sector, as well as a near monopoly in the voice
> > market as it concurrently locked in its subscribers and now sits at
> almost
> > 21m subscribers.
> >
> >
> >
> > So, as we debate this there are 1001 reasons we can advance to deny this
> > thin-sim solution. There is almost nothing we cannot advance as a reason
> to
> > deny Equity the use of this thin-sim technology. And Cofek should be
> > supporting this to create competition to free up the market from
> Safaricom
> > enslavement.
> >
> >
> >
> > The real war we should be waiting for is who will manage to get to the
> > hearts of the consumer. This is about the simple and practical VAS that
> they
> > will avail. These customers will easily move away with their number to
> this
> > new service provider with the value add services that are practical to
> > him/her. This will cause number portability without a sweat. Maybe then
> Dr.
> > Partrick Musimba will switch on his service for porting these customers
> back
> > and forth between Equity, Safaricom etc..... Exciting times ahead, I
> guess.
> >
> >
> >
> > Safaricom should expect to be served by the same token it benefited from
> > several years ago when it launched M-Pesa. I would really be surprised
> if
> > Safaricom has been sitting pretty on its honey pot thinking that this
> moment
> > will not arrive.
> >
> >
> >
> > In the meantime, let us let the Parliamentary committee continue to enjoy
> > their sitting allowances. Unless this happened last night, I would be
> > surprised if they will be making any ground breaking technological
> > declarations.
> >
> >
> >
> > My 2 cents....
> >
> >
> >
> > -----------------------------------------------------------------
> >
> > Aquinas Wasike
> >
> >
> >
> > Mobile: +254 722 511120 <tel:%2B254%20722%20511120>
> >
> >
> >
> > Email: <mailto:aquinasw at lantech.co.ke> aquinasw at lantech.co.ke
> >
> > Website: www.lantech.co.ke
> >
> > -----------------------------------------------------------------
> >
> >
> >
> > From: kictanet [mailto:kictanet-bounces+aquinasw
> > <mailto:kictanet-bounces%2Baquinasw> =lantech.co.ke at lists.kictanet.or.ke]
> On
> > Behalf Of Ali Hussein via kictanet
> > Sent: Wednesday, September 17, 2014 3:59 PM
> > To: Aquinas Wasike
> >
> >
> > Subject: Re: [kictanet] Equity Bank vs Safaricom :-Round 2
> >
> >
> >
> > David
> >
> >
> >
> > With all due respect to COFEK.
> >
> >
> >
> > How did you guys react to Mpesa? Weren't Kenyans 'guinea pigs' then?
> >
> >
> >
> > Far be it for me to question COFEK's motives here beyond 'protecting'
> > Wanjiku..
> >
> > Ali Hussein
> >
> >
> >
> > +254 770 906375 <tel:%2B254%20770%20906375> / 0713 601113
> >
> >
> >
> > Twitter: @AliHKassim
> >
> > Skype: abu-jomo
> >
> > LinkedIn: http://ke.linkedin.com/in/alihkassim
> >
> > Blog: www.alyhussein.com <http://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 17, 2014, at 3:49 PM, "Consumers Federation of Kenya \(COFEK\) via
> > kictanet" <kictanet at lists.kictanet.or.ke> wrote:
> >
> > Dear Mr Kioko,
> >
> >
> >
> > We are watching this debate very keenly. We can't resist the temptation
> to
> > comment on your issue. The summary you capture is obviously about
> Consumer
> > Rights.
> >
> >
> >
> > Article 46(1)(b) of the Constitution says - "Consumers have the right to
> the
> > information necessary for them to gain full benefit from goods and
> > services". Under the Consumer Protection Act, 2012 on Section 5(1) under
> the
> > quality of goods and services, the law states that: "The supplier is
> deemed
> > to warrant that the goods or services supplied under a consumer agreement
> > are of a reasonably merchantable quality"
> >
> >
> >
> > When CA approved 3 MVNO's in April 2014 without addressing itself to the
> new
> > emerging challenges, even beyond it, the consumer is left to be a "guinea
> > pig" upon which this technology would be tested upon, with either good or
> > bad results notwithstanding. In the (un)likely event privacy will be
> lost as
> > a result of such technology, service providers must be reminded that
> Article
> > 31(c)(d) of the Constitution are not suspended.
> >
> >
> >
> > At Cofek, we encourage innovations and competition but we must also be
> > sensitive to Wanjiku, the law and public interest. Reulation should not
> > always behind of ICT innovations. It must be ahead so we are not so
> helpless
> > as to expect MP's to decide on a highly technical matter as to the pros
> and
> > cons of a thin sim. Thank you.
> >
> >
> >
> > David Kedode
> >
> > Program Officer
> >
> > www.cofek.co.ke
> >
> >
> >
> >
> >
> >
> >
> >
> >
> > From: kictanet
> > [mailto:kictanet-bounces+hotline=cofek.co.ke at lists.kictanet.or.ke] On
> Behalf
> > Of Bernard Kioko via kictanet
> > Sent: Wednesday, September 17, 2014 3:28 PM
> > To: The Consumers Federation of Kenya (Cofek)
> > Subject: Re: [kictanet] Equity Bank vs Safaricom :-Round 2
> >
> >
> >
> > Noted fr<image001.png>om the document:
> >
> >
> >
> >
> >
> >
> >
> > From: kictanet
> > [mailto:kictanet-bounces+bkioko=bernsoft.com at lists.kictanet.or.ke] On
> Behalf
> > Of Anthony Kiarie via kictanet
> > Sent: Wednesday, September 17, 2014 3:12 PM
> > To: bkioko at bernsoft.com
> > Subject: Re: [kictanet] Equity Bank vs Safaricom :-Round 2
> >
> >
> >
> > 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
> > <tel:%2B1%20925-935-1589> :US
> > Tel;+1 925-818-4322 <tel:%2B1%20925-818-4322> :US cell;
> +251-91-120-1449
> > <tel:%2B251-91-120-1449> :ET;
> >
> > +254-703-250 969 Kenya Tel; +254-73695-7584
> >
> > Cell, skype:
> >
> > sbekele, Bing:"sophia
> >
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> > received this email message in error, please notify the
> >
> > sender immediately and delete this message and any
> >
> > attachments. Thank
> >
> > you.
> >
> >
> >
> >
> >
> > 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 <tel:%2B254%20770%20906375> / 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
> >
> >
> >
> >
> >
> >
> >
> >
> >
> >
> >
> >
> >
> >
> >
> >
> >
> >
> >
> >
> >
> >
> >
> >
> >
> > _______________________________________________
> >
> >
> >
> > 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/info%40alyhussein.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/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
> >
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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
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> > KICTANetiquette : Adhere to the same standards of acceptable
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> >
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> >
> > --
> > Regards,
> >
> > Collins Areba,
> > P.O Box 44441, 00100
> > Nairobi, Kenya.
> > Tel: +254 707 750 788 / 720 516 758
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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,
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> >
> >
> >
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> > --
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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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> > interested and involved in ICT policy and regulation. The
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> > 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,
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> >
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> > interested and involved in ICT policy and regulation. The
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> >
> > KICTANetiquette : Adhere to the same standards of acceptable
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> > people and institutions interested and involved in ICT policy and
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> > sector in support of the national aim of ICT enabled growth and
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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,
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> > KICTANetiquette : Adhere to the same standards of acceptable behaviors
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> bandwidth,
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> > people and institutions interested and involved in ICT policy and
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> > online that you follow in real life: respect people's times and
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> > 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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> > 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.
> >
> >
> >
> >
>
>
> --
> ______________________
> Mwendwa Kivuva, Nairobi, Kenya
> twitter.com/lordmwesh
>
> The best athletes never started as the best athletes.
> You have to think anyway, so why not think big? - Donald Trump.
> "You miss 100 percent of the shots you never take." - Wayne Gretzky.
> Tackle the biggest frog first.
> I will persist until I succeed - Og Mandino.
>
> _______________________________________________
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> Unsubscribe or change your options at
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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,
Mark Mwangi
markmwangi.me.ke
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