[kictanet] M-Pesa Debit Card

Sat Jul 23 08:48:43 EAT 2016

Why do we have to do anything. Its their business. Whether or not it
succeeds is something they and their shareholders will analyse themselves.

The regulatory framework allows for then to participate in mobile money. We
their customers have been validating the business case over and over. If
the physical card one fails i believe its up to them as a business to deal
with.

I for one am very curious and happy that i might be able to use a card
instead of a phone to transact. If i can use my thumb print id be even
happier so i never have to carry anything. I have no expectations of its
success or failure. I am happy for that choice nonetheless.

Jgitau

On 22 Jul 2016 23:04, "Baiju Shah via kictanet" <
kictanet at lists.kictanet.or.ke> wrote:
>
> Hi Listers,
>
> Maybe Safaricom do not have the skills for launch and manage a mobile app
as they have been too busy photo copying ideas and outsourcing.
>
> Here it is not cannibalising but going after the banks card business
which today is less then 2.5% of the transactional value.
>
> Again, my please to Safaricom management to review the project, and if
they need help in thinking it through I am happy to facilitate, this is
called the looking back effect.
>
> Or is there another motive of providing ID, Drivers Licence, Health
insurance and further capture all the transactions that the FI's are doing
currently.
>
> CBK, please review and check if this is the way forward for the least
regulated money transaction service in Kenya.
>
> Best Regards,
> Baiju
>
> On 22 Jul 2016, at 17:23, Ali Hussein via kictanet <
kictanet at lists.kictanet.or.ke> wrote:
>
>> Elizabeth raises very valid points. So does Baiju.
>>
>> I'm curious:-
>>
>> What stops Safaricom from developing an Mpesa App? What's the fear?
>>
>> I recall my strategy professor once telling me:-
>>
>> Better you start cannibalizing yourself then someone else starts taking
bite size chunks out of you while you are still alive!!
>>
>> Ali Hussein
>> Principal
>> Hussein & Associates
>> +254 0713 601113 / 0770906375
>>
>> Twitter: @AliHKassim
>>
>> Skype: abu-jomo
>>
>> LinkedIn: http://ke.linkedin.com/in/alihkassim
>>
>>
>>
>> "Discovery consists in seeing what everyone else has seen and thinking
what no one else has thought".  ~ Albert Szent-Györgyi
>>
>> Sent from my iPad
>>
>> On 22 Jul 2016, at 1:58 PM, Rosemary Koech-Kimwatu via kictanet <
kictanet at lists.kictanet.or.ke> wrote:
>>
>>> Baju I agree,
>>>
>>> I really don't think I want another card in my wallet. They are just
too many, right from loyalty cards by various franchises to debit and
credit cards. We need a disruptor that will negate the need for all these
and that will be the future of innovation.
>>>
>>> Kind regards,
>>>
>>> Rosemary Koech-Kimwatu
>>> Skype:Rosemary Koech-Kimwatu
>>> Tel: 0718181644
>>>
>>> On Fri, Jul 22, 2016 at 12:14 PM, Baiju Shah via kictanet <
kictanet at lists.kictanet.or.ke> wrote:
>>>>
>>>> Great discussion.
>>>>
>>>> Last mile is all about connectivity. Not too sure the ROI for a card
by safaricom who already have a vibrant agent network, sticky or loyal
customers. Today only there are 2-4% transactions on card.
>>>>
>>>> The question is what are they trying to solve with this initiative as
we also do not event have a wide spread of ATMs.
>>>>
>>>> In my personal opinion this is a step back, I think they really need
to rethink on this, but they should look at improving the experience on
Mpesa.
>>>>
>>>> There are many applicable technologies, the last mile connect is the
problem Safaricom has solved, but to build into the network of expensive
PDQ machines does make sense if you have already replaced them with a $10 -
$15 unit.
>>>>
>>>> Wow.. What a step back Safaricom please rethink, reset otherwise carry
on.
>>>>
>>>> Thanks,
>>>>
>>>> Best Regards,
>>>> Baiju
>>>>
>>>> On 22 Jul 2016, at 11:30, Dorcas Muthoni via kictanet <
kictanet at lists.kictanet.or.ke> wrote:
>>>>
>>>>> NFC relies on an entire ecosystem.  Phones, PDQS/POS terminals are
part of it.
>>>>>
>>>>> I said a long time ago that mobile payments would only be global via
a standard based technology like NFC Vs a vendor driven service such as
mpesa.
>>>>>
>>>>> I am happy to see Safaricom is now ready to support the standard
based approach to mobile payments too.
>>>>>
>>>>> On Jul 22, 2016 10:07 AM, "Mwendwa Kivuva via kictanet" <
kictanet at lists.kictanet.or.ke> wrote:
>>>>>>
>>>>>> On Jul 22, 2016 6:51 AM, "Ali Hussein via kictanet" <
kictanet at lists.kictanet.or.ke> wrote:
>>>>>> >
>>>>>> > Grace
>>>>>> >
>>>>>> > Good point. Definitely food for thought. I'm sure Mpesa has a
reason to go back to cards when the very nature of mobile money is card
less.
>>>>>>
>>>>>> Ali,  how I understood it is that if your phone is NFC enabled, you
would not need the card. You would just swipe the phone. Again, the card is
helpful when you are outside network coverage area, like when you travel
abroad.
>>>>>>
>>>>>> >
>>>>>> > This will definitely be something to watch keenly.
>>>>>> >
>>>>>> > Ali Hussein
>>>>>> >
>>>>>> >
>>>>>> > On Jul 22, 2016 6:46 AM, "Grace Mutung'u (Bomu) via kictanet" <
kictanet at lists.kictanet.or.ke> wrote:
>>>>>> >>
>>>>>> >> I wonder if the card will be as fees free to the customer as
visa. Therein, would be an advantage. For now there are times when paying
through M-pesa is charged and it is quite inconvenient to send an SMS to
find out the charges.
>>>>>> >> But the bigger question would be whether this the real future or
the full potential of mobile money vis a vis Blockchains...
>>>>>> >> Regards,
>>>>>> >>
>>>>>> >> On 21 Jul 2016 9:28 p.m., "Mwendwa Kivuva via kictanet" <
kictanet at lists.kictanet.or.ke> wrote:
>>>>>> >>>
>>>>>> >>> @Barrack,
>>>>>> >>>
>>>>>> >>> Imagine just running your NFC phone, or Card at the Point of
Sale and your purchase is done. Instead of the current method where you
have to go to an MPESA menu, chose paybill/till, enter paybill number,
enter the amount, enter pin, confirm, wait for SMS ....
>>>>>> >>>
>>>>>> >>> I expect also you can use the card while abroad ...
>>>>>> >>>
>>>>>> >>> Choice is good.
>>>>>> >>>
>>>>>> >>>
>>>>>> >>>
>>>>>> >>> ______________________
>>>>>> >>> Mwendwa Kivuva, Nairobi, Kenya
>>>>>> >>> twitter.com/lordmwesh
>>>>>> >>>
>>>>>> >>>
>>>>>> >>>
>>>>>> >>> On 21 July 2016 at 19:44, Barrack Otieno via kictanet <
kictanet at lists.kictanet.or.ke> wrote:
>>>>>> >>>>
>>>>>> >>>> @ Wash,
>>>>>> >>>>
>>>>>> >>>>
>>>>>> >>>> I wonder if it will add any value.
>>>>>> >>>>
>>>>>> >>>> Regards
>>>>>> >>>>
>>>>>> >>>> On 7/20/16, Odhiambo Washington via kictanet
>>>>>> >>>> <kictanet at lists.kictanet.or.ke> wrote:
>>>>>> >>>> >
http://qz.com/734842/mobile-money-giant-m-pesa-is-getting-its-own-debit-card-to-compete-with-banks/
>>>>>> >>>> >
>>>>>> >>>> >
>>>>>> >>>> > --
>>>>>> >>>> > Best regards,
>>>>>> >>>> > Odhiambo WASHINGTON,
>>>>>> >>>> > Nairobi,KE
>>>>>> >>>> > +254 7 3200 0004/+254 7 2274 3223
>>>>>> >>>> > "Oh, the cruft."
>>>>>> >>>> >
>>>>>> >>>>
>>>>>> >>>>
>>>>>> >>>> --
>>>>>> >>>> Barrack O. Otieno
>>>>>> >>>> +254721325277
>>>>>> >>>> +254733206359
>>>>>> >>>> Skype: barrack.otieno
>>>>>> >>>> PGP ID: 0x2611D86A
>>>>>> >>>>
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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
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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
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>>>>>>
>>>>>>
>>>>>> _______________________________________________
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>>>>>> The Kenya ICT Action Network (KICTANet) is a multi-stakeholder
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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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>>>>>
>>>>> _______________________________________________
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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
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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,
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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.
>>
>> _______________________________________________
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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.
>
>
> _______________________________________________
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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.
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