[kictanet] Safaricom dominance report proposes an impractical solution

Thu Mar 16 10:53:57 EAT 2017

Barrack

You've raised a very pertinent question. This new Interbank thingi..

I have said many times before that the Regulators of the world need to update their tools to fit the new reality.

Let me explain. Until last month I used to take the tortuous route (it takes 12 steps minimum to make a payment via mpesa) of paying my bills via mpesa. Then came Mula. 

https://play.google.com/store/apps/details?id=com.cellulant.consumerapp&hl=en

So now I use Mula to pay all my bills. And I suspect that soon I will use it for all other payment related activities. Why did I do this? 

1. Because I own Mula or just like them? NO. It's because they have dealt with a serious issue that plagues payment platforms in this country - User Experience. Seamless. It even reminds me when my bills are due..And the integration with billers? (KPLC, Zulu etc) Sweet..

2. Did I need CA, CAK, MOICT and other acronyms to tell me about Mula? Or to Vuka? Again NO. Did Mpesa get forced to integrate with Mula? Nope. 

You get my drift.. Dominance is for the lazy..Safaricom will either be forced by market forces to improve (as they continue to do) or they will go the way of YU and the Dodo..It's that simple..

Ali Hussein
Hussein & Associates
+254 0713 601113 / 0770906375

Twitter: @AliHKassim
Skype: abu-jomo
LinkedIn: http://ke.linkedin.com/in/alihkassim
Blog: www.alyhussein.com

"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 16 Mar 2017, at 10:32 AM, Barrack Otieno <otieno.barrack at gmail.com> wrote:
> 
> Agreed Ali, thanks Kanini for the feedback
> 
> I think some of them are business decisions that will determine the survival or collapse of the enterprise. What is your take on the new interbank service by KBA in light of this dominance debate?
> 
> Regards
> 
>> On Mar 16, 2017 8:24 AM, "Admin CampusCiti" <info at campusciti.com> wrote:
>> Barrack
>> 
>> It's a good economic argument for Safaricom if nothing else. But yes, I do agree this shouldn't be forced on them. They should have that choice. Just like any bank has a choice not to have their ATMs connected to other banks..despite the KBA and the Clearing house. There will come a time that Mpesa will wish they had made the system agnostic to all service provides and charge a small fee for it..
>> 
>> Ali Hussein
>> Hussein & Associates
>> +254 0713 601113 / 0770906375
>> 
>> Twitter: @AliHKassim
>> Skype: abu-jomo
>> LinkedIn: http://ke.linkedin.com/in/alihkassim
>> Blog: www.alyhussein.com
>> 
>> "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 16 Mar 2017, at 9:39 AM, Barrack Otieno via kictanet <kictanet at lists.kictanet.or.ke> wrote:
>>> 
>>> Its like coming to my house and suggesting that the TV i bought for my family is a public good. Safaricom has rights over Mpesa including terminating its use, we have airtelmoney, Orangemoney, i cant get the argument. If i want Safaricom products i move to the network.
>>> 
>>> Regards
>>> 
>>>> On Mar 16, 2017 7:27 AM, "kanini mutemi via kictanet" <kictanet at lists.kictanet.or.ke> wrote:
>>>> Yes. I agree with the proposal for interoperability. In my mind, Safaricom communication services and M-PESA are different services. Requiring that one subscribe to the first (Safaricom network) to access the benefits of the second (M-PESA) amounts to tying. This also applies to a lot of the M-products that run exclusively on that platform. 
>>>> 
>>>>> On Thu, Mar 16, 2017 at 7:43 AM, Ali Hussein via kictanet <kictanet at lists.kictanet.or.ke> wrote:
>>>>> In other words - Interoperability? 
>>>>> 
>>>>> Ali Hussein
>>>>> 
>>>>> Get Outlook for iOS
>>>>> 
>>>>> 
>>>>> 
>>>>> 
>>>>> On Thu, Mar 16, 2017 at 7:36 AM +0300, "Job Muriuki via kictanet" <kictanet at lists.kictanet.or.ke> wrote:
>>>>> 
>>>>>> We might be looking at this Safaricom dominance issue wrongly. Let Safaricom run mpesa but have the exclusivity to safaricom numbers removed. 
>>>>>> 
>>>>>>> On 10 Mar 2017 15:01, "Watila Alex via kictanet" <kictanet at lists.kictanet.or.ke> wrote:
>>>>>>> the question a regulator should ask is - is the dominant player abusing it's position? so in what ways is safaricom abusing thier dominant position?
>>>>>>> 
>>>>>>> regards
>>>>>>> 
>>>>>>> Sent from Yahoo Mail on Android
>>>>>>> 
>>>>>>> On Fri, 10 Mar 2017 at 10:44, kanini mutemi via kictanet
>>>>>>> <kictanet at lists.kictanet.or.ke> wrote:
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>>>> 
>>>> 
>>>> -- 
>>>> Mercy Mutemi, Advocate. 
>>>> 
>>>> 
>>>> 
>>>> 
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