<html><head><style type="text/css"><!-- DIV {margin:0px;} --></style></head><body><div style="font-family:bookman old style,new york,times,serif;font-size:10pt;color:#0000ff;">Mobile payments have redefined the movement of money across Kenya, spurred by Mpesa, even in the face of resistance by banks.<br><br>Unlike with banks, transferring money between phone companies is yet to happen. Yet if we have to realize mobile transfers full potential we need seamless transfers between companies.<br><br>We need regulation in place that would allow such seamless transfers, similar to what happens with calls, where telecom companies are obligated to handle calls originating outside their network.<br><br>Baadaye.<br> <font size="2"><span style="font-family:bookman old style, new york, times, serif;">----------------------------------------------------------------------------------------------</span><br style="font-family:bookman old style, new york, times,
serif;"></font><font size="2"><span style="font-family:bookman old style, new york, times, serif;">Matunda Nyanchama, PhD, CISSP; mnyanchama@aganoconsulting.com</span><br style="font-family:bookman old style, new york, times, serif;"><span style="font-family:bookman old style, new york, times, serif;">Agano Consulting Inc.; </span><a rel="nofollow" style="font-family:bookman old style, new york, times, serif;" target="_blank" href="http://www.aganoconsulting.com">www.aganoconsulting.com</a>; </font><font class="Apple-style-span" size="2">Twitter: <a rel="nofollow" target="_blank" href="http://twitter.com/#%21/nmatunda"><span class="yshortcuts" id="lw_1298476732_5" style="color:rgb(54, 99, 136);">nmatunda; </span></a></font><font class="Apple-style-span" size="2"><span style="text-decoration:underline;"></span>Skype: okiambe</font><font size="2"><span class="Apple-style-span" style="border-collapse:separate;color:rgb(0, 0,
0);font-family:'Book Antiqua';font-style:normal;font-variant:normal;font-weight:normal;letter-spacing:normal;line-height:normal;orphans:2;text-indent:0px;text-transform:none;white-space:normal;widows:2;word-spacing:0px;font-size:medium;"><span class="Apple-style-span" style="font-family:verdana, helvetica, sans-serif;font-size:11px;"></span></span><br style="font-family:bookman old style, new york, times, serif;"><span style="font-family:bookman old style, new york, times, serif;">----------------------------------------------------------------------------------------------</span><span style="font-style:italic;font-family:bookman old style, new york, times, serif;"></span><span style="font-family:bookman old style, new york, times, serif;" lang="EN-CA"></span></font><style><!--filtered {font-family:"Book Antiqua";panose-1:2 4 6 2 5 3 5 3 3 4;}p.MsoNormal, li.MsoNormal, div.MsoNormal {margin:0in;margin-bottom:.0001pt;font-size:11.0pt;font-family:"Book
Antiqua";}p {margin-right:0in;margin-left:0in;font-size:12.0pt;font-family:"Times New Roman";}filtered {margin:1.0in 1.25in 1.0in 1.25in;}div.Section1 {}--></style><i style="font-family:bookman old style, new york, times, serif;"><span style="font-size:10pt;"><br>Be prepared to face ICT Security failures & know how to respond when they happen! <br>Call: <span style="font-weight:bold;">+1-888-587-1150 </span>or <a rel="nofollow"><span style="font-weight:bold;">info@aganoconsulting.com</span></a><br> </span></i><span style="font-family:bookman old style, new york, times, serif;">----------------------------------------------------------------------------------------------</span><span style="font-style:italic;font-family:bookman old style, new york, times, serif;"></span><span style="font-family:bookman old style, new york, times, serif;" lang="EN-CA"></span><style>filtered {font-family:"Book Antiqua";}p.MsoNormal, li.MsoNormal, div.MsoNormal
{margin:0in 0in 0.0001pt;font-size:11pt;font-family:"Book Antiqua";}p {margin-right:0in;margin-left:0in;font-size:12pt;font-family:"Times New Roman";}filtered {margin:1in 1.25in;}div.Section1 {}</style><i style="font-family:bookman old style, new york, times, serif;"><span style="font-size:10pt;"></span></i><br><font style="font-family:bookman old style, new york, times, serif;" size="2"><span style="font-style:italic;">"A bus station is where a bus stops. A train station is where a train stops. On my desk I have a workstation…" - Anonymous</span></font><br style="font-family:bookman old style, new york, times, serif;"><span style="font-family:bookman old style, new york, times, serif;">-----------------------------------------------------------------------------------------------</span><br style="font-family:bookman old style, new york, times, serif;"><font style="font-family:bookman old style, new york, times, serif;" size="1">This e-mail, including
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