<table cellspacing="0" cellpadding="0" border="0" ><tr><td valign="top" style="font: inherit;"><DIV>Dear listers,</DIV>
<DIV>Look out for the October issue of CIO East Africa magazine for a detailed coverage of mobile banking and m-money services, including regulatory and policy challenges. The coverage includes interviews with industry players, as well as the regulators--CCK and CBK. This is a must read. </DIV>
<DIV> </DIV>
<DIV>Best,</DIV>
<DIV>Zachary.</DIV>
<DIV> </DIV>
<DIV>Managing Editor,</DIV>
<DIV>CIO East Africa</DIV>
<DIV>Tel: 3741646/7.</DIV>
<DIV> </DIV>
<DIV>Official Email: <A href="mailto:zachary.ochieng@cio.co.ke">zachary.ochieng@cio.co.ke</A></DIV>
<DIV> </DIV>
<DIV><BR><BR> </DIV>
<DIV>
<DIV>--- <FONT color=#00407f><FONT face="comic sans ms"><FONT size=4>Be the change you want to see in the world.<BR><SPAN style="FONT-WEIGHT: bold; COLOR: rgb(0,0,127)"></SPAN></FONT></FONT></FONT><BR></DIV></DIV><BR><BR>--- On <B>Tue, 29/9/09, Sean Moroney <I><seanm@aitecafrica.com></I></B> wrote:<BR>
<BLOCKQUOTE style="PADDING-LEFT: 5px; MARGIN-LEFT: 5px; BORDER-LEFT: rgb(16,16,255) 2px solid"><BR>From: Sean Moroney <seanm@aitecafrica.com><BR>Subject: Re: [kictanet] MPESA - Monopolies commission<BR>To: zzachmbir@yahoo.com<BR>Cc: "'KICTAnet ICT Policy Discussions'" <kictanet@lists.kictanet.or.ke><BR>Date: Tuesday, 29 September, 2009, 7:35 PM<BR><BR>
<DIV class=plainMail>Hi Walu,<BR><BR>These are exactly the thorny regulatory issues we want to tackle in a<BR>high-level panel discussion during our Banking & Mobile Payments Conference<BR>over 23-24 February.<BR><BR>Please let me know if you would like to participate in this.<BR><BR>Regards<BR><BR>Sean<BR><BR><BR>Sean Moroney<BR>Chairman<BR>AITEC Africa<BR><A href="http://uk.mc505.mail.yahoo.com/mc/compose?to=seanm@aitecafrica.com" ymailto="mailto:seanm@aitecafrica.com">seanm@aitecafrica.com</A><BR>UK Tel: +44(0)1480-880774<BR>UK Fax: +44(0)1480-880765<BR>UK Mobile: +44(0)7973-499224<BR>Kenya Mobile: +254(0)721-845674<BR>Mozambique Mobile: +258-82-6181618<BR>Nigeria Mobile: +234(0)802-0571766<BR>SA Mobile: +27(0)724-577887<BR>Skype: seanmoroney<BR>www.aitecafrica.com<BR>UPCOMING AITEC AFRICA EVENTS: <BR>l AITEC Mozambique ICT Congress, Maputo, 17-18 September 2009<BR>l The East African Fibre Summit, Nairobi, 22-23 September 2009<BR>l AITEC Ghana,
Accra, 22-24 October 2009<BR>l ComBIT Africa, Lagos, 2-4 November 2009<BR>l Outsourcing & Contact Centre East Africa, Nairobi, 11-12 November 2009<BR>l Customer Service & Contact Centre, Lagos, 24-25 November 2009<BR>l Banking & Mobile Payments East Africa, Nairobi, 23-24 February 2010<BR>l Banking & Mobile Payments West Africa, Lagos, 11-12 May 2010<BR>l Broadcast & Film Africa, Nairobi, 19-20 May 2010 <BR>Don't forget that if you are a South African company the dti may find you<BR>eligible for a refund of 100% of the costs of exhibiting at our events.<BR>contact us for more details!<BR>Communication is key!<BR><BR>-----Original Message-----<BR>From: kictanet-bounces+seanm=<A href="http://uk.mc505.mail.yahoo.com/mc/compose?to=aitecafrica.com@lists.kictanet.or.ke" ymailto="mailto:aitecafrica.com@lists.kictanet.or.ke">aitecafrica.com@lists.kictanet.or.ke</A><BR>[mailto:kictanet-bounces+seanm=<A
href="http://uk.mc505.mail.yahoo.com/mc/compose?to=aitecafrica.com@lists.kictanet.or.ke" ymailto="mailto:aitecafrica.com@lists.kictanet.or.ke">aitecafrica.com@lists.kictanet.or.ke</A>] On<BR>Behalf Of Walubengo J<BR>Sent: 29 September 2009 10:39<BR>To: <A href="http://uk.mc505.mail.yahoo.com/mc/compose?to=seanm@aitecafrica.com" ymailto="mailto:seanm@aitecafrica.com">seanm@aitecafrica.com</A><BR>Cc: KICTAnet ICT Policy Discussions<BR>Subject: Re: [kictanet] MPESA - Monopolies commission<BR><BR>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<BR>their dominant position?<BR>3. what (legal/regulatory) options are available to whichever regulator in<BR>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://uk.mc505.mail.yahoo.com/mc/compose?to=robertyawe@yahoo.co.uk" ymailto="mailto:robertyawe@yahoo.co.uk">robertyawe@yahoo.co.uk</A>> wrote:<BR><BR>> From: robert yawe <<A href="http://uk.mc505.mail.yahoo.com/mc/compose?to=robertyawe@yahoo.co.uk" ymailto="mailto:robertyawe@yahoo.co.uk">robertyawe@yahoo.co.uk</A>><BR>> Subject: [kictanet] MPESA - Monopolies commission<BR>> To: <A href="http://uk.mc505.mail.yahoo.com/mc/compose?to=jwalu@yahoo.com" ymailto="mailto:jwalu@yahoo.com">jwalu@yahoo.com</A><BR>> Cc: "KICTAnet ICT Policy Discussions" <<A href="http://uk.mc505.mail.yahoo.com/mc/compose?to=kictanet@lists.kictanet.or.ke" ymailto="mailto:kictanet@lists.kictanet.or.ke">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>> <A href="http://uk.mc505.mail.yahoo.com/mc/compose?to=kictanet@lists.kictanet.or.ke" ymailto="mailto:kictanet@lists.kictanet.or.ke">kictanet@lists.kictanet.or.ke</A><BR>> <A href="http://lists.kictanet.or.ke/mailman/listinfo/kictanet"
target=_blank>http://lists.kictanet.or.ke/mailman/listinfo/kictanet</A><BR>> <BR>> This message was sent to: <A href="http://uk.mc505.mail.yahoo.com/mc/compose?to=jwalu@yahoo.com" ymailto="mailto:jwalu@yahoo.com">jwalu@yahoo.com</A><BR>> Unsubscribe or change your options at<BR><A href="http://lists.kictanet.or.ke/mailman/options/kictanet/jwalu%40yahoo.com" target=_blank>http://lists.kictanet.or.ke/mailman/options/kictanet/jwalu%40yahoo.com</A><BR>> <BR><BR><BR> <BR><BR>_______________________________________________<BR>kictanet mailing list<BR><A href="http://uk.mc505.mail.yahoo.com/mc/compose?to=kictanet@lists.kictanet.or.ke" ymailto="mailto:kictanet@lists.kictanet.or.ke">kictanet@lists.kictanet.or.ke</A><BR><A href="http://lists.kictanet.or.ke/mailman/listinfo/kictanet" target=_blank>http://lists.kictanet.or.ke/mailman/listinfo/kictanet</A><BR><BR>This message was sent to: <A
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