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<html><head><title></title><style type="text/css"><!--body{padding:1ex;margin:0px;font-family:sans-serif;font-size:small;}a[href]{color:-moz-hyperlinktext !important;text-decoration:-moz-anchor-decoration;}blockquote{margin:0;border-left:2px solid #144fae;padding-left:1em;}blockquote blockquote{border-color:#006312;}blockquote blockquote blockquote{border-color:#540000;}--></style></head><body><div style="font-family: Arial; font-size: medium;" dir="ltr"><div>Yes - people have to be alert about how technology will change their occupations. For example, travel agents were shown the door a while back. After some time probably the only safe occupation will be that of constructing robots that in turn make other robots that cook, drive you around and give you a massage on the beach!</div>
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<div>On Mon, 24 Jan 2011 18:54 +0300, "Paul Kukubo ICT Board" <pkukubo@ict.go.ke> wrote:</div>
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<div class="me96854actorName me96854actorDescription" style="padding-bottom: 3px; font-weight: bold"><!--/*SC*/ reopen inline tag after block /*EC*/--><span class="me96854Apple-style-span" style="font-family: "lucida grande", tahoma, verdana, arial, sans-serif; color: rgb(51,51,51); font-size: 11px; -webkit-tap-highlight-color: rgba(26, 26, 26, 0.296875); -webkit-composition-fill-color: rgba(175, 192, 227, 0.230469); -webkit-composition-frame-color: rgba(77, 128, 180, 0.230469)">Listers<!--/*SC*/ close inline tag into block /*EC*/--></span></div>
<div class="me96854actorName me96854actorDescription" style="padding-bottom: 3px; font-weight: bold"><!--/*SC*/ reopen inline tag after block /*EC*/--><span class="me96854Apple-style-span" style="font-family: "lucida grande", tahoma, verdana, arial, sans-serif; color: rgb(51,51,51); font-size: 11px; -webkit-tap-highlight-color: rgba(26, 26, 26, 0.296875); -webkit-composition-fill-color: rgba(175, 192, 227, 0.230469); -webkit-composition-frame-color: rgba(77, 128, 180, 0.230469)"><br>
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<div class="me96854actorName me96854actorDescription" style="padding-bottom: 3px; font-weight: bold"><!--/*SC*/ reopen inline tag after block /*EC*/--><span class="me96854Apple-style-span" style="font-family: "lucida grande", tahoma, verdana, arial, sans-serif; color: rgb(51,51,51); font-size: 11px; -webkit-tap-highlight-color: rgba(26, 26, 26, 0.296875); -webkit-composition-fill-color: rgba(175, 192, 227, 0.230469); -webkit-composition-frame-color: rgba(77, 128, 180, 0.230469)">This is worth observing from the perspective of what technology can do. <!--/*SC*/ close inline tag into block /*EC*/--></span></div>
<div class="me96854actorName me96854actorDescription" style="padding-bottom: 3px; font-weight: bold"><!--/*SC*/ reopen inline tag after block /*EC*/--><span class="me96854Apple-style-span" style="font-family: "lucida grande", tahoma, verdana, arial, sans-serif; color: rgb(51,51,51); font-size: 11px; -webkit-tap-highlight-color: rgba(26, 26, 26, 0.296875); -webkit-composition-fill-color: rgba(175, 192, 227, 0.230469); -webkit-composition-frame-color: rgba(77, 128, 180, 0.230469)"><br>
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<!--/*SC*/ reopen inline tag after block /*EC*/--><span class="me96854Apple-style-span" style="font-family: "Lucida Grande", Verdana, "Lucida Sans Regular", "Lucida Sans Unicode", Arial, sans-serif; color: rgb(27,27,27); font-size: 13px; -webkit-tap-highlight-color: rgba(26, 26, 26, 0.296875); -webkit-composition-fill-color: rgba(175, 192, 227, 0.230469); -webkit-composition-frame-color: rgba(77, 128, 180, 0.230469)"><!--/*SC*/ close inline tag into block /*EC*/--></span>
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<p style="line-height: 19px; margin: 1em 0px"><!--/*SC*/ reopen inline tag after block /*EC*/--><span class="me96854Apple-style-span" style="font-family: "Lucida Grande", Verdana, "Lucida Sans Regular", "Lucida Sans Unicode", Arial, sans-serif; color: rgb(27,27,27); font-size: 13px; -webkit-tap-highlight-color: rgba(26, 26, 26, 0.296875); -webkit-composition-fill-color: rgba(175, 192, 227, 0.230469); -webkit-composition-frame-color: rgba(77, 128, 180, 0.230469)"><img class="me96854shot" title="logo_uus" alt="" width="239" height="61" style="position: relative; border-right-width: 0px; margin: 0px 1em 1em 0px; max-width: 620px; float: left; border-top-width: 0px; border-bottom-width: 0px; border-left-width: 0px" src="http://eu.techcrunch.com/wp-content/uploads/logo_uus.png"><a style="color: rgb(0,83,42); font-weight: bold; text-decoration: none" href="http://www.transferwise.com/">TransferWise</a> launches its online currency exchange today, which hopes to give the banks a run for their money, along with disrupting the consumer-end of the money exchange market as a whole. The headline proposition is that the platform gives anyone access to the same mid-market exchange rates that banks get on their interbank market, with TransferWise charging a flat fee of £1 for each transaction regardless of the amount being exchanged. That’s potentially a big deal.<!--/*SC*/ close inline tag into block /*EC*/--></span></p>
<p style="line-height: 19px; margin: 1em 0px"><!--/*SC*/ reopen inline tag after block /*EC*/--><span class="me96854Apple-style-span" style="font-family: "Lucida Grande", Verdana, "Lucida Sans Regular", "Lucida Sans Unicode", Arial, sans-serif; color: rgb(27,27,27); font-size: 13px; -webkit-tap-highlight-color: rgba(26, 26, 26, 0.296875); -webkit-composition-fill-color: rgba(175, 192, 227, 0.230469); -webkit-composition-frame-color: rgba(77, 128, 180, 0.230469)">But what’s equally notable is the company’s founders, which includes Skype employee number one Taavet Hinrikus.<!--/*SC*/ close inline tag into block /*EC*/--></span></p>
<p style="line-height: 19px; margin: 1em 0px"><!--/*SC*/ reopen inline tag after block /*EC*/--><span class="me96854Apple-style-span" style="font-family: "Lucida Grande", Verdana, "Lucida Sans Regular", "Lucida Sans Unicode", Arial, sans-serif; color: rgb(27,27,27); font-size: 13px; -webkit-tap-highlight-color: rgba(26, 26, 26, 0.296875); -webkit-composition-fill-color: rgba(175, 192, 227, 0.230469); -webkit-composition-frame-color: rgba(77, 128, 180, 0.230469)">He spent 7 years at the VoIP company, most recently as Director of Strategy, as well as being an Angel investor in a number of other prominent and upcoming startups <a style="color: rgb(0,83,42); font-weight: bold; text-decoration: none" href="http://www.techcrunch.com/2009/01/16/twitter-me-this-tweetdeck-secures-angel-funding/">including TweetDeck</a>, Mendeley, <a href="http://wikimart.ru">wikimart.ru</a>, and blip.tv. TransferWise’s other founder is Kristo Käärmann who has a direct financial services background with Deloitte and PricewaterhouseCoopers.<!--/*SC*/ close inline tag into block /*EC*/--></span></p>
<p style="line-height: 19px; margin: 1em 0px"><!--/*SC*/ reopen inline tag after block /*EC*/--><span class="me96854Apple-style-span" style="font-family: "Lucida Grande", Verdana, "Lucida Sans Regular", "Lucida Sans Unicode", Arial, sans-serif; color: rgb(27,27,27); font-size: 13px; -webkit-tap-highlight-color: rgba(26, 26, 26, 0.296875); -webkit-composition-fill-color: rgba(175, 192, 227, 0.230469); -webkit-composition-frame-color: rgba(77, 128, 180, 0.230469)"><img class="me96854shot2" alt="" width="406" height="215" style="position: relative; border-right-width: 0px; margin: 0px 0px 1em 1em; max-width: 620px; float: right; border-top-width: 0px; border-bottom-width: 0px; border-left-width: 0px" src="http://eu.techcrunch.com/wp-content/uploads/Picture-1242.png">Naturally, Hinrikus says he wants TransferWise to “do to currency exchange what Skype did to telecommunications.” It’s a nice line but in this case there appears to be meat on the bone. Traditionally, consumers pay between 3-6% for foreign currency payments at through their bank. In other markets that have moved online, cutting out the middle person (for the most part) has “brought down costs almost everywhere you look”, notes Hinrikus.<!--/*SC*/ close inline tag into block /*EC*/--></span></p>
<p style="line-height: 19px; margin: 1em 0px"><!--/*SC*/ reopen inline tag after block /*EC*/--><span class="me96854Apple-style-span" style="font-family: "Lucida Grande", Verdana, "Lucida Sans Regular", "Lucida Sans Unicode", Arial, sans-serif; color: rgb(27,27,27); font-size: 13px; -webkit-tap-highlight-color: rgba(26, 26, 26, 0.296875); -webkit-composition-fill-color: rgba(175, 192, 227, 0.230469); -webkit-composition-frame-color: rgba(77, 128, 180, 0.230469)">To that end, TransferWise, which is licensed by the UK Financial Services Authority (registered as Exchange Solutions Ltd.), facilitates money transfers at “global mid-market rates” as reported by Bloomberg, XE and others. At launch, the company enables exchanges between the British Pound and Euro, with more currencies to follow.<!--/*SC*/ close inline tag into block /*EC*/--></span></p>
<p style="line-height: 19px; margin: 1em 0px"><!--/*SC*/ reopen inline tag after block /*EC*/--><span class="me96854Apple-style-span" style="font-family: "Lucida Grande", Verdana, "Lucida Sans Regular", "Lucida Sans Unicode", Arial, sans-serif; color: rgb(27,27,27); font-size: 13px; -webkit-tap-highlight-color: rgba(26, 26, 26, 0.296875); -webkit-composition-fill-color: rgba(175, 192, 227, 0.230469); -webkit-composition-frame-color: rgba(77, 128, 180, 0.230469)">TransferWise’s direct and indirect competitors include <a style="color: rgb(0,83,42); font-weight: bold; text-decoration: none" href="http://www.crunchbase.com/company/moneybookers">Moneybookers</a> and <a style="color: rgb(0,83,42); font-weight: bold; text-decoration: none" href="http://www.crunchbase.com/company/paypal">PayPal</a> at the low-end, or for larger amounts currency brokers like HiFX, as well as other upstarts such as CurrencyFair, and the banks of course. The company remains self-funded by Hinrikus and Käärmann.<!--/*SC*/ close inline tag into block /*EC*/--></span></p>
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<div class="me96854cbw_subheader" style="font-weight: bold"><!--/*SC*/ reopen inline tag after block /*EC*/--><span class="me96854Apple-style-span" style="font-family: "Lucida Grande", Verdana, "Lucida Sans Regular", "Lucida Sans Unicode", Arial, sans-serif; color: rgb(27,27,27); font-size: 13px; -webkit-tap-highlight-color: rgba(26, 26, 26, 0.296875); -webkit-composition-fill-color: rgba(175, 192, 227, 0.230469); -webkit-composition-frame-color: rgba(77, 128, 180, 0.230469)"><a style="font-weight: bold" href="http://www.crunchbase.com/company/transferwise">TransferWise</a><!--/*SC*/ close inline tag into block /*EC*/--></span></div>
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<div class="me96854cbw_subcontent_left"><!--/*SC*/ reopen inline tag after block /*EC*/--><span class="me96854Apple-style-span" style="font-family: "Lucida Grande", Verdana, "Lucida Sans Regular", "Lucida Sans Unicode", Arial, sans-serif; color: rgb(27,27,27); font-size: 13px; -webkit-tap-highlight-color: rgba(26, 26, 26, 0.296875); -webkit-composition-fill-color: rgba(175, 192, 227, 0.230469); -webkit-composition-frame-color: rgba(77, 128, 180, 0.230469)"><a style="font-weight: bold" href="http://www.crunchbase.com/company/transferwise"><img border="0" alt="TransferWise image" style="position: relative; max-width: 620px" src="http://www.crunchbase.com/assets/images/resized/0011/8290/118290v2-max-150x150.jpg"></a><!--/*SC*/ close inline tag into block /*EC*/--></span></div>
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<p style="line-height: 18px"><!--/*SC*/ reopen inline tag after block /*EC*/--><span class="me96854Apple-style-span" style="font-family: "Lucida Grande", Verdana, "Lucida Sans Regular", "Lucida Sans Unicode", Arial, sans-serif; color: rgb(27,27,27); font-size: 13px; -webkit-tap-highlight-color: rgba(26, 26, 26, 0.296875); -webkit-composition-fill-color: rgba(175, 192, 227, 0.230469); -webkit-composition-frame-color: rgba(77, 128, 180, 0.230469)">TransferWise is an online currency exchange service that allows people to exchange currency using mid-market rates for a flat fee. <a title="Learn More" style="font-weight: bold" href="http://www.crunchbase.com/company/transferwise">Learn More</a><!--/*SC*/ close inline tag into block /*EC*/--></span></p>
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<div class="me96854cbw_subheader" style="font-weight: bold"><!--/*SC*/ reopen inline tag after block /*EC*/--><span class="me96854Apple-style-span" style="font-family: "Lucida Grande", Verdana, "Lucida Sans Regular", "Lucida Sans Unicode", Arial, sans-serif; color: rgb(27,27,27); font-size: 13px; -webkit-tap-highlight-color: rgba(26, 26, 26, 0.296875); -webkit-composition-fill-color: rgba(175, 192, 227, 0.230469); -webkit-composition-frame-color: rgba(77, 128, 180, 0.230469)"><a style="font-weight: bold" href="http://www.crunchbase.com/person/taavet-hinrikus">Taavet Hinrikus</a><!--/*SC*/ close inline tag into block /*EC*/--></span></div>
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<td class="me96854td_left" style="padding-bottom: 5px; padding-left: 5px; padding-right: 5px; padding-top: 5px"><!--/*SC*/ reopen inline tag after block /*EC*/--><span class="me96854Apple-style-span" style="font-family: "Lucida Grande", Verdana, "Lucida Sans Regular", "Lucida Sans Unicode", Arial, sans-serif; color: rgb(27,27,27); font-size: 13px; -webkit-tap-highlight-color: rgba(26, 26, 26, 0.296875); -webkit-composition-fill-color: rgba(175, 192, 227, 0.230469); -webkit-composition-frame-color: rgba(77, 128, 180, 0.230469)">Companies:<!--/*SC*/ close inline tag into block /*EC*/--></span></td>
<td class="me96854td_right" style="padding-bottom: 5px; padding-left: 5px; padding-right: 5px; padding-top: 5px"><!--/*SC*/ reopen inline tag after block /*EC*/--><span class="me96854Apple-style-span" style="font-family: "Lucida Grande", Verdana, "Lucida Sans Regular", "Lucida Sans Unicode", Arial, sans-serif; color: rgb(27,27,27); font-size: 13px; -webkit-tap-highlight-color: rgba(26, 26, 26, 0.296875); -webkit-composition-fill-color: rgba(175, 192, 227, 0.230469); -webkit-composition-frame-color: rgba(77, 128, 180, 0.230469)"><a style="font-weight: bold" href="http://www.crunchbase.com/company/transferwise">TransferWise</a><!--/*SC*/ close inline tag into block /*EC*/--></span></td>
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<div class="me96854cbw_footer"><!--/*SC*/ reopen inline tag after block /*EC*/--><span class="me96854Apple-style-span" style="font-family: "Lucida Grande", Verdana, "Lucida Sans Regular", "Lucida Sans Unicode", Arial, sans-serif; color: rgb(27,27,27); font-size: 13px; -webkit-tap-highlight-color: rgba(26, 26, 26, 0.296875); -webkit-composition-fill-color: rgba(175, 192, 227, 0.230469); -webkit-composition-frame-color: rgba(77, 128, 180, 0.230469)">Information provided by <a defang_rel="nofollow" style="font-weight: bold" href="http://www.crunchbase.com/">CrunchBase</a><!--/*SC*/ close inline tag into block /*EC*/--></span></div>
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