<table cellspacing="0" cellpadding="0" border="0" ><tr><td valign="top" style="font: inherit;"><DIV>Interesting Discussion,</DIV>
<DIV> </DIV>
<DIV>I thought the whole mobile money debate had ended in favour of the service.</DIV>
<DIV> </DIV>
<DIV>See link <A href="http://www.cgap.org/gm/document-1.9.36723/MPESA_Brief.pdf" target=_blank><SPAN id=lw_1254230057_0 class=yshortcuts>http://www.cgap.org/gm/document-1.9.36723/MPESA_Brief.pdf</SPAN></A> <BR><BR>for interesting article on uses to which M-Pesa is being put. A whole industry on Kenyan mobile money experts appers to be developing.</DIV>
<DIV> </DIV>
<DIV>Regard,</DIV>
<DIV> </DIV>
<DIV>Leonard Obura Aloo</DIV>
<DIV>Advocate</DIV>
<DIV><BR><BR>--- On <B>Tue, 9/29/09, Solomon Mburu <I><solo.mburu@gmail.com></I></B> wrote:<BR></DIV>
<BLOCKQUOTE style="BORDER-LEFT: rgb(16,16,255) 2px solid; PADDING-LEFT: 5px; MARGIN-LEFT: 5px"><BR>From: Solomon Mburu <solo.mburu@gmail.com><BR>Subject: Re: [kictanet] MPESA - Monopolies commission<BR>To: l_aloo@yahoo.com<BR>Cc: "KICTAnet ICT Policy Discussions" <kictanet@lists.kictanet.or.ke><BR>Date: Tuesday, September 29, 2009, 5:27 AM<BR><BR>
<DIV id=yiv62988214><FONT face=georgia,serif>It is imperative for the mobicos to come out in the open in addressing this issue, for the sake of the end consumer.<BR><BR>Nothing beats logic than clearly stating the pros and cons of a service.<BR><BR>I wonder, how many of the millions subscribers actually use M-Pesa and Zap? And for what purpose? <BR>Some clarity need to de highlighted in this regard.<BR></FONT><BR>
<DIV class=gmail_quote>2009/9/29 robert yawe <SPAN dir=ltr><<A href="http://us.mc332.mail.yahoo.com/mc/compose?to=robertyawe@yahoo.co.uk" rel=nofollow target=_blank ymailto="mailto:robertyawe@yahoo.co.uk">robertyawe@yahoo.co.uk</A>></SPAN><BR>
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<TD style="FONT-FAMILY: inherit; font-size-adjust: inherit; font-stretch: inherit" vAlign=top>Hi,<BR><BR>The questions are truly pertinent hope the bureaucrats on the forum can enlighten us on the issues raised.<BR><BR>Regards
<DIV class=im><BR><BR>Robert Yawe<BR>KAY System Technologies Ltd<BR>Phoenix House, 6th Floor<BR>P O Box 55806 Nairobi, 00200<BR>Kenya<BR><BR>Tel: +254722511225, +254202010696<BR><BR></DIV>--- On <B>Tue, 29/9/09, Walubengo J <I><<A href="http://us.mc332.mail.yahoo.com/mc/compose?to=jwalu@yahoo.com" rel=nofollow target=_blank ymailto="mailto:jwalu@yahoo.com">jwalu@yahoo.com</A>></I></B> wrote:<BR>
<BLOCKQUOTE style="BORDER-LEFT: rgb(16,16,255) 2px solid; PADDING-LEFT: 5px; MARGIN-LEFT: 5px"><BR>From: Walubengo J <<A href="http://us.mc332.mail.yahoo.com/mc/compose?to=jwalu@yahoo.com" rel=nofollow target=_blank ymailto="mailto:jwalu@yahoo.com">jwalu@yahoo.com</A>><BR>Subject: Re: [kictanet] MPESA - Monopolies commission<BR>To: "robert yawe" <<A href="http://us.mc332.mail.yahoo.com/mc/compose?to=robertyawe@yahoo.co.uk" rel=nofollow target=_blank ymailto="mailto:robertyawe@yahoo.co.uk">robertyawe@yahoo.co.uk</A>>
<DIV class=im><BR>Cc: "KICTAnet ICT Policy Discussions" <<A href="http://us.mc332.mail.yahoo.com/mc/compose?to=kictanet@lists.kictanet.or.ke" rel=nofollow target=_blank ymailto="mailto:kictanet@lists.kictanet.or.ke">kictanet@lists.kictanet.or.ke</A>><BR></DIV>Date: Tuesday, 29 September, 2009, 10:39 AM
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<DIV>Bob, I would look at the fundamentals.<BR><BR>1. who should regulate MPESA/ZAP phenomena (CCK? Central Bank, both, etc?)<BR>2. what makes a player dominant and when is a player deemed to be abusing their dominant position?<BR>3. what (legal/regulatory) options are available to whichever regulator in containing a hostile dominant player<BR>4. is there sufficient (political) guts to make a ruling?<BR><BR>i have no answers, just thinking loudly.<BR>walu.<BR><BR><BR>--- On Tue, 9/22/09, robert yawe <<A href="http://mc/compose?to=robertyawe@yahoo.co.uk" rel=nofollow target=_blank>robertyawe@yahoo.co.uk</A>> wrote:<BR><BR>> From: robert yawe <<A href="http://mc/compose?to=robertyawe@yahoo.co.uk" rel=nofollow target=_blank>robertyawe@yahoo.co.uk</A>><BR>> Subject: [kictanet] MPESA - Monopolies commission<BR>> To: <A href="http://mc/compose?to=jwalu@yahoo.com" rel=nofollow target=_blank>jwalu@yahoo.com</A><BR>> Cc: "KICTAnet ICT
Policy Discussions" <<A href="http://mc/compose?to=kictanet@lists.kictanet.or.ke" rel=nofollow target=_blank>kictanet@lists.kictanet.or.ke</A>><BR>> Date: Tuesday, September 22, 2009, 8:10 PM<BR>> Hi,<BR>> <BR>> I have been monitoring the growth of MPesa and I am getting<BR>> concerned that we shall soon be held ransom if its growth is<BR>> not monitored and their none competitive activities<BR>> stopped.<BR>> <BR>> We are more concerned about number portability yet this<BR>> will only benefit a few foreign investors yet mpesa has<BR>> become so <BR>> <BR>> pervasive <BR>> <BR>> yet the tax consuming regulators do nothing to protect the<BR>> consumer.<BR>> <BR>> The success of safaricoms mpesa has been so meteoric that<BR>> it has scollen their heads to the point that there officers<BR>> have become more powerful than the dreaded mungiki. <BR>> They determine who can open an
outlet where and which outlet<BR>> will be shutdown.<BR>> <BR>> On the other extreme is the terms that the agents are<BR>> giving such as they cannot provide the services of a<BR>> competing provider. Imagine if KCC or Elliots wher<BR>> giving the power to determine who can ot cannot sell their<BR>> products and also require that you do not sell a competing<BR>> product where would the milk and bread industry be today.<BR>> <BR>> If even KBL realised that a retailer must be free to decide<BR>> which products to sell and not be bullied into selling the<BR>> products of a particular brewer. <BR>> <BR>> Competition is about a level playing field of which the<BR>> money transfer business it not, why should a grandmother in<BR>> Budalangi or Kangaita who has a Zaine line be denied the<BR>> opportunity to receive funds from her grand children because<BR>> the only shop keeper within a 5
KM radius of her home is not<BR>> allowed to offer multiple money transfer products, yet he<BR>> can sell Tuzo, Brookside, Fresha, Haifa or any other brand<BR>> of milk.<BR>> <BR>> We are regressing very first and unless the regulators do<BR>> what they are paid to do with our hard earned taxes then we<BR>> soon shall be be cornered. This keeps looking like the<BR>> mark of the demon that is quoted in the bible.<BR>> <BR>> Somebody stop this madness.<BR>> <BR>> Robert Yawe<BR>> <BR>> KAY System Technologies Ltd<BR>> <BR>> Phoenix House, 6th Floor<BR>> <BR>> P O Box 55806 Nairobi, 00200<BR>> <BR>> Kenya<BR>> <BR>> <BR>> <BR>> Tel: +254722511225, +254202010696<BR>> <BR>> <BR>> <BR>> <BR>> <BR>> -----Inline Attachment Follows-----<BR>> <BR>> _______________________________________________<BR>> kictanet mailing list<BR>>
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in the ignomity of ambiguous generosity! <BR><BR><BR>blog: <A href="http://desires-and-dreams.blogspot.com/" rel=nofollow target=_blank>http://desires-and-dreams.blogspot.com</A><BR><BR></DIV><BR>-----Inline Attachment Follows-----<BR><BR>
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