[kictanet] House team halts Equity Bank's thin-SIM rollout

Wed Sep 24 17:38:27 EAT 2014

Dear Victor,

They DO!! It is obviously a fallacy that non-technical people make decisions on technical issues. But we are not a banana republic – at least on paper.

If you read Art.1(2) of the Constitution – those characters hold enormous powers. They make the law for regulator in line with Art.34 (recall CA is not a Chapter 15 Commission and “independence” is limited). 

“The people may exercise their sovereign power either directly or through their “democratically” elected representatives” Art. 1(3)(a) says sovereign power is delegated …. To Parliament and the legislative assemblies in the County Governments. Also read Art. 95 and 96 and so on”

Kind regards,

Stephen

Stephen Mutoro

Secretary General

Consumers Federation of Kenya (COFEK)

Rehema Place, Block F-45

Ngong Road/Ring Rd Kilimani Junction

P.O Box 28053-00200, City Square, NAIROBI, Kenya 

Tel. 254-20-2615496, 2300859 Fax. 254-20-3861719; Cell phones: 0715555550, 0770700007

E-mail: hotline at cofek.co.ke

Website: www.cofek.co.ke <http://www.cofek.co.ke/> 

Facebook: "Consumers Federation of Kenya (Cofek)" 

Twitter: @ConsumersKenya YouTube: "ConsumersKenya"

13th December 2012 -  President Kibaki assents to the Consumer Protection Act, 2012 Read it here:  <http://www.cofek.co.ke/Consumers%20Protection%20Act%202012.pdf> http://www.cofek.co.ke/Consumers%20Protection%20Act%202012.pdf

From: kictanet [mailto:kictanet-bounces+hotline=cofek.co.ke at lists.kictanet.or.ke] On Behalf Of Victor bwire via kictanet
Sent: Wednesday, September 24, 2014 5:22 PM
To: The Consumers Federation of Kenya (Cofek)
Subject: Re: [kictanet] House team halts Equity Bank's thin-SIM rollout

Dear Grace

 the House Team has no supervisory powers over the Regulator- Not at all

Just that MPs have become terrible

regards

Victor

On Wed, Sep 24, 2014 at 4:47 PM, Grace Githaiga via kictanet <kictanet at lists.kictanet.or.ke> wrote:

@ Victor, 

The heading  of this article says the 'house team halts..." while  the body of the story has "has asked CA to halt..." It might be semantics but my interpretation of this is that this is a request to CA, and not a directive. Yes?

Tell me, does the house team have oversight over regulatory matters? I am looking at KICA 2013 Article 5 on CA's independence:

5A. (1) The Authority shall be independent

and free of control by government, political or

commercial interests in the exercise of its

powers and in the performance of its functions.

(2) In fulfilling its mandate, the Authority

shall be guided by the national values and

principles of governance in Article 10 and the

values and principles of public service in Article

232 (1) of the Constitution.

What would happen say if CA disregards the House team's demand?

Rgds

GG

  _____  

Date: Wed, 24 Sep 2014 11:54:17 +0100
Subject: Re: [kictanet] Equity Given Go Ahead by CAK
From: kictanet at lists.kictanet.or.ke
To: ggithaiga at hotmail.com

The tables have turned again: 

House team halts Equity Bank's thin-SIM rollout

The National Assembly’s Energy and ICT Committee has asked the Communications Authority (CA) to halt Equity Bank thin-SIM card rollout until it is satisfied of the security of the technology.

http://www.nation.co.ke/news/politics/House-team-halts-Equity-Bank-thin-SIM-rollout/-/1064/2463762/-/2srp37/-/index.html

Victor Kapiyo, LL.B

====================================================
“Your attitude, not your aptitude, will determine your altitude” Zig Ziglar

On 22 September 2014 18:49, Martin Gicheru via kictanet <kictanet at lists.kictanet.or.ke> wrote:

Safaricom does not necessarily agree to the move but will cooperate while it still needs to.

”We are particularly encouraged that CA has commenced the process of hiring an independent and reputable international firm to conduct a security audit on all SIM cards, and in particular the use of the SIM overlay technology in mobile money transfer services. We therefore implore the CA to fast track the security review and to publish the guidelines in the interests of protecting consumers and financial institutions who will remain vulnerable to the potential risks created by the ‘man-in-the-middle attack’. ” 

http://techmoran.com/safaricom-remains-adamant-thin-sim-vulnerabilities/

On Mon, Sep 22, 2014 at 6:36 PM, Bernard Kioko via kictanet <kictanet at lists.kictanet.or.ke> wrote:

Change is the only permanent thing!

-----Original Message-----
From: kictanet
[mailto:kictanet-bounces+bkioko <mailto:kictanet-bounces%2Bbkioko> =bernsoft.com at lists.kictanet.or.ke] On Behalf
Of Walubengo J via kictanet
Sent: Monday, September 22, 2014 6:30 PM
To: bkioko at bernsoft.com
Subject: Re: [kictanet] Equity Given Go Ahead by CAK

@Charles,

Interesting views.  I dont speak for Equity - and am not even a MEMBER
(their customer).  However, they have the following going for them.

1) they do have their OWN SIM card targetting their 8m banking customers.
They can actually make money out their core group of customers using their
mobile virtual network (riding on Airtel telco infrastructure i believe).
2) the thin-SIM technology is just a nice option for their 8m customers AND
the 20+million Safaricom customers.
3) indeed Safcom can play dirty but I am sure they wont because (a) they can
take on Equity challenge and (b) the regulator seems more ready than ever to
pounce on them (recall regulator has been "looking" for them over quality
issues  :-).

Remember, this looks like a mobile money battle, but the real deal is the
collateral damage it is likely to cause in the voice market because once a
Safaricom customer mounts the thin SIM Card and discovers that they can make
cheaper calls/sms with it without losing their MPESA functionality...they
will actually be having their cake (MPESA) while eating it (making Cheaper
calls on the Equity Mobile virtual network).

Essentially, Equity is breaking a small gap into the Safaricom defensive
wall(MPESA) and once in, even the data-market may eventually be free for all
i.e. #checkmate.

walu.

--------------------------------------------
On Mon, 9/22/14, Charles Kimani via kictanet <kictanet at lists.kictanet.or.ke>
wrote:

 Subject: Re: [kictanet] Equity Given Go Ahead by CAK
 To: jwalu at yahoo.com
 Date: Monday, September 22, 2014, 4:44 PM

 I
 think the thin sim strategy is brilliant...in  theory.
 However, I am also
 wondering just how wise it is to place the success of your  business model
at the mercy of a hostile, powerful and  uncooperative business rival.  What
if - 6 months after launch, for  example - Safaricom decide to upgrade all
their sim cards  (genuinely or otherwise) just when Equity is in the middle
of a critical (probably expensive) product  rollout?  What if  Safaricom
customer service and dealer/retail channels start  advising subscribers who
are having issues with their lines  that the thin sim is the cause of their
problems and show  them how to remove it?
 How will Equity map their processes
 and logistics with the Safaricom SIM replacement processes?
 Will Equity subscribers need to remember to make an extra  stop at an
Equity outlet to have their thin sim re-attached  once they do a sim swap?
How easy is it to attach these thin  sims?
 We have
 previously seen smart sabotage tactics bring down SAB Miller  ambitions in
the Kenyan market. Equity - in my opinion - is  giving too much firepower to
a determined competitor. It  might be cheaper in the long run to just invest
in own SIM  and take Safaricom head-on.
 Regards,Charles
 On Mon, Sep 22, 2014 at
 4:18 PM, Dennis Kioko via kictanet <kictanet at lists.kictanet.or.ke>
 wrote:
 Meanwhile, I did get the Equitel SIM Card  (haven't seen the infamous Thin
SIM). So far, here's  my experience with the
same. http://www.infotake.co.ke/2014/09/how-does-equity-banks-equitel-work.h <http://www.infotake.co.ke/2014/09/how-does-equity-banks-equitel-work.html> 
tml
 On 22 September 2014 16:11, Barrack
 Otieno via kictanet <kictanet at lists.kictanet.or.ke>
 wrote:
 Sometimes
 diversification leads to loss of focus. Interesting  discussions but let us
see if this scenario will change some  of this Principles that have evolved
over time.

 Best Regards

 On Mon, Sep 22,
 2014 at 3:56 PM, Bernard Kioko via kictanet <kictanet at lists.kictanet.or.ke>
 wrote:
 I have noted media reports
 indicating Equity has been granted go-ahead by CAK to  operate with
Thin-Sim cards. Game changing I  suppose.  

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