<html><body><div style="color:#000; background-color:#fff; font-family:verdana, helvetica, sans-serif;font-size:10pt"><div><span>resting discussion on where mobile baking is going....<br></span></div><div> </div><div><span style="color:rgb(0, 0, 0);font-size:10pt;font-family:Verdana;"><div><span></span><span style="font-size:8pt;"><span style="font-style:italic;">With best wishes,</span></span><span style="font-size:8pt;"><br></span><font size="1"><font size="4" color="#000000" face="times new roman, new york, times, serif"><font size="5" color="#800000" face="garamond, new york, times, serif"><i>Sophia </i></font></font></font><span style="font-size:8pt;"><br>Support our <span style="color:rgb(255, 0, 0);">"YES" </span>to .africa Campaign!<br>www.dotconnectafrica.org</span></div><div style="color:rgb(0, 0, 0);font-size:11px;background-color:transparent;font-style:italic;font-family:Verdana;"><span style="font-size:8pt;">Follow us on<a
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size="4" face="times new roman, new york, times, serif"><span style="font-size:10px;"><i>Sophia Bekele (Ms), BS, MBA, C.I.S.A, C.C.S, CGEIT, <a rel="nofollow" target="_blank" href="http://cbsegroup.com/" style="color:rgb(0, 0, 0);font-style:italic;">CBS International, Inc </a>,Ca, USA/<span style="line-height:15.199999809265137px;">Africa</span> +1 925-935-1589:US Tel;+1 925-818-4322:US cell; +251-91-120-1449</i><span style="color:rgb(0, 0, 191);font-style:italic;"> </span><i style="color:rgb(0, 0, 0);font-style:italic;">:ET; </i></span><span style="font-size:10px;"></span><font size="1">+254-703-250 969 Kenya Tel</font><i><font size="1">;</font> </i><span style="font-size:10px;"><i style="color:rgb(0, 0, 0);font-style:italic;">+254-73695-7584 Cell, </i></span></font><font size="4" face="times new roman, new york, times, serif"><span style="font-size:10px;"><i style="color:rgb(0, 0, 0);font-style:italic;"><font color="#000000"><i>skype:
sbekele, <font color="#0000ff">Bing</font>:"sophia bekele"</i></font></i></span></font></div><div style="padding-bottom:4px;padding-top:4px;"><hr></div><div><span style="color:navy;"><font style="font-size:10pt;" size="1">P</font><span style="font-family:Garamond, Times, serif;"><font style="font-size:10pt;" size="1">RIVILEGED AND CONFIDENTIAL C<span style="color:rgb(0, 0, 0);">OMMUNICATION NOTICE</span>.</font> <span style="color:rgb(0, 0, 0);font-size:13px;">The information contained in this email message is legally privileged and confidential, and is intended solely for the uses of the addressee. Any unauthorized dissemination,distribution or copying of this email is expressly prohibited. If you have received this email message in error, please notify the sender immediately and delete this message and any attachments.</span></span></span><font style="color:rgb(0, 0, 0);" face="arial, helvetica, sans-serif"><font face="Arial"><font face="times
new roman, new york, times, serif"><span style="font-size:small;"> </span><span style="font-size:10px;"> </span><span style="font-size:10px;">Thank you.</span></font></font></font></div><div class="qtdSeparateBR"><br><br></div> <div style="display: block;" class="yahoo_quoted"> <div style="font-family: verdana, helvetica, sans-serif; font-size: 10pt;"> <div style="font-family: HelveticaNeue, Helvetica Neue, Helvetica, Arial, Lucida Grande, sans-serif; font-size: 12pt;"> <div dir="ltr"> <font size="2" face="Arial"> On Tuesday, September 16, 2014 7:52 AM, Ali Hussein via kictanet <kictanet@lists.kictanet.or.ke> wrote:<br> </font> </div> <blockquote style="border-left: 2px solid rgb(16, 16, 255); margin-left: 5px; margin-top: 5px; padding-left: 5px;"> <br><br> <div class="y_msg_container"><div id="yiv7453368454"><div><div>@Walu</div><div><br clear="none"></div><div>Lets wait and see...Many have written off Safaricom before. What I'm loving
about this discussion though is the elephant in the room. I believe Kenyans are waiting for the next big thing. This mobile money thing has been hyped and flogged until its dead. The next big thing is mobile commerce. </div><div><br clear="none"></div><div>And I don't mean the 'Lipa na Mpesa' variety. </div><div><br clear="none"></div><div>I mean real m-commerce enablement - SME supply chain financing, invoice discounting etc. That's where the future is and that's why the KCB tie up is interesting. My only concern with that is that most banks (fortunately for Safaricom) are old school thinkers unwilling to venture into the unknown. </div><div><br clear="none"></div><div>This ship hasn't sailed yet. It remains to be seen who will be at the helm.</div><div><br clear="none"><div><span style=""><b>Ali Hussein</b></span></div><div><br clear="none"></div><div style="font-family:Helvetica;font-size:medium;">+254 770 906375 / 0713
601113</div><div style="font-family:Helvetica;font-size:medium;"><br clear="none"></div><div><div style="margin:0in 0in 0pt;"><span style="">Twitter: @AliHKassim</span></div><span style=""><font></font></span><div style="margin:0in 0in 0pt;"><span style="">Skype: abu-jomo</span></div><div style="margin:0in 0in 0pt;"><span style="">LinkedIn: <a rel="nofollow" shape="rect" target="_blank" href="http://ke.linkedin.com/in/alihkassim">http://ke.linkedin.com/in/alihkassim</a><a rel="nofollow" shape="rect" target="_blank" href="http://ke.linkedin.com/in/alihkassim"><span style="text-decoration:none;"></span></a></span></div><span style=""><font></font></span><font><span style="">Blog: <a rel="nofollow" shape="rect" target="_blank" href="http://www.alyhussein.com/">www.alyhussein.com</a></span><br clear="none"></font></div><div><span style=""><br clear="none"></span></div><div>"I fear the day technology will surpass human interaction. The world will
have a generation of idiots". ~ Albert Einstein</div><div><span style=""><br clear="none"></span></div>Sent from my iPad</div><div><div class="yiv7453368454yqt3484917885" id="yiv7453368454yqtfd86289"><br clear="none">On Sep 16, 2014, at 5:31 PM, Walubengo J <<a rel="nofollow" shape="rect" ymailto="mailto:jwalu@yahoo.com" target="_blank" href="mailto:jwalu@yahoo.com">jwalu@yahoo.com</a>> wrote:<br clear="none"><br clear="none"></div></div><div class="yiv7453368454yqt3484917885" id="yiv7453368454yqtfd97262"><blockquote type="cite"><div><span>@Ali,</span><br clear="none"><span></span><br clear="none"><span>Equity is not just after Safaricom lunch, they are after their dinner as well :-).</span><br clear="none"><span></span><br clear="none"><span>This thin-SIM technology will do what Number Portability failed to do. People are likely to "Vooka" onto Equity (cheaper) voice services without having to buy two phones or dual-SIM phones.
Equity mobile money value proposition, will have the side-effect of knock the breath out of Safaricom's voice revenues...fortunately, Safcom can see this, and they are not taking it kindly :-)</span><br clear="none"><span></span><br clear="none"><span>We are indeed living in very interesting times in .Ke</span><br clear="none"><span></span><br clear="none"><span>walu.</span><br clear="none"><span>--------------------------------------------</span><br clear="none"><span>On Tue, 9/16/14, Ali Hussein via kictanet <<a rel="nofollow" shape="rect" ymailto="mailto:kictanet@lists.kictanet.or.ke" target="_blank" href="mailto:kictanet@lists.kictanet.or.ke">kictanet@lists.kictanet.or.ke</a>> wrote:</span><br clear="none"><span></span><br clear="none"><span> Subject: Re: [kictanet] Equity Bank vs Safaricom :-Round 2</span><br clear="none"><span> To: <a rel="nofollow" shape="rect" ymailto="mailto:jwalu@yahoo.com" target="_blank"
href="mailto:jwalu@yahoo.com">jwalu@yahoo.com</a></span><br clear="none"><span> Date: Tuesday, September 16, 2014, 3:18 PM</span><br clear="none"><span></span><br clear="none"><span> Collins </span><br clear="none"><span> Well put. </span><br clear="none"><span> Walu, </span><br clear="none"><span> I'm keen to understand how a</span><br clear="none"><span> technology which is a commodity ( read here that Safaricom</span><br clear="none"><span> can also implement the same technology) can usurp</span><br clear="none"><span> Safaricom's unassailable lead in this</span><br clear="none"><span> space.</span><br clear="none"><span> What's my</span><br clear="none"><span> point? </span><br clear="none"><span> Technology is</span><br clear="none"><span> an accelerator and NOT The Strategy in itself. Assume first</span><br clear="none"><span> that what you can access in the open market (as opposed to</span><br clear="none"><span> restricted
technology under patent) your competitors can do</span><br clear="none"><span> so too. We usually forget this but MPesa isn't even the</span><br clear="none"><span> best mobile technology in the country. Not even by a long</span><br clear="none"><span> short! They managed to capture their base through first</span><br clear="none"><span> mover advantage and a positioning statement that was</span><br clear="none"><span> apparently well received by Kenyans. And of course there is</span><br clear="none"><span> the Network Effect of being ubiquitous in the</span><br clear="none"><span> space.</span><br clear="none"><span> Equity needs to</span><br clear="none"><span> execute with excellence and not depend on the Technology to</span><br clear="none"><span> take on Safaricom.</span><br clear="none"><span> Needless to say I would love to be a</span><br clear="none"><span> fly on the wall in the strategy sessions currently going on</span><br clear="none"><span>
in both companies. Careers will be made or broken on</span><br clear="none"><span> this..no doubt about that.</span><br clear="none"><span> Ali</span><br clear="none"><span> Hussein</span><br clear="none"><span> +254 770</span><br clear="none"><span> 906375 / 0713 601113</span><br clear="none"><span> Twitter: @AliHKassimSkype: abu-jomoLinkedIn: <a rel="nofollow" shape="rect" target="_blank" href="http://ke.linkedin.com/in/alihkassimBlog:">http://ke.linkedin.com/in/alihkassimBlog:</a> <a rel="nofollow" shape="rect" target="_blank" href="http://www.alyhussein.com/">www.alyhussein.com</a></span><br clear="none"><span></span><br clear="none"><span> "I fear the day</span><br clear="none"><span> technology will surpass human interaction. The world will</span><br clear="none"><span> have a generation of idiots". ~ Albert</span><br clear="none"><span> Einstein</span><br clear="none"><span> Sent from my iPad</span><br clear="none"><span> On Sep
16,</span><br clear="none"><span> 2014, at 1:06 PM, Collins Areba via kictanet <<a rel="nofollow" shape="rect" ymailto="mailto:kictanet@lists.kictanet.or.ke" target="_blank" href="mailto:kictanet@lists.kictanet.or.ke">kictanet@lists.kictanet.or.ke</a>></span><br clear="none"><span> wrote:</span><br clear="none"><span></span><br clear="none"><span> "We are glad</span><br clear="none"><span> to use this platform to deliver an extension service to our</span><br clear="none"><span> customers, It is our heartfelt desire to satisfy our</span><br clear="none"><span> customers first, and if technology affords us that</span><br clear="none"><span> opportunity, we are obliged to take up on it. If the same</span><br clear="none"><span> technology should allow us to interact with our customers,</span><br clear="none"><span> and have an opportunity to give them voice and data</span><br clear="none"><span> in the same breath, then why not, those would be extras
to</span><br clear="none"><span> the benefit of our client... "</span><br clear="none"><span></span><br clear="none"><span> Paraphrased from memory during an</span><br clear="none"><span> interview on Citizen last week. I think this opens the game</span><br clear="none"><span> wide Open, and For the Record, Safaricom should be given a</span><br clear="none"><span> Commercial Banking license. </span><br clear="none"><span></span><br clear="none"><span> My 10 Cents.</span><br clear="none"><span></span><br clear="none"><span> On Tue, Sep 16, 2014 at</span><br clear="none"><span> 12:06 PM, Walubengo J via kictanet <<a rel="nofollow" shape="rect" ymailto="mailto:kictanet@lists.kictanet.or.ke" target="_blank" href="mailto:kictanet@lists.kictanet.or.ke">kictanet@lists.kictanet.or.ke</a>></span><br clear="none"><span> wrote:</span><br clear="none"><span> Listers,</span><br clear="none"><span></span><br clear="none"><span></span><br
clear="none"><span></span><br clear="none"><span> I thought you might find this interesting,</span><br clear="none"><span></span><br clear="none"><span></span><br clear="none"><span></span><br clear="none"><span> ----------------</span><br clear="none"><span></span><br clear="none"><span> After Equity Bank decided to directly play in the mobile</span><br clear="none"><span> money market by issuing its own SIM cards, we debated</span><br clear="none"><span> heatedly in a previous blog whether Safaricom had finally</span><br clear="none"><span> met its match. At the time, it was assumed that Equity</span><br clear="none"><span> would be selling the traditional SIM card, which would</span><br clear="none"><span> require customers to either buy dual SIM-card phones or</span><br clear="none"><span> carry two phones in order to access services from two</span><br clear="none"><span> existing providers.</span><br clear="none"><span></span><br
clear="none"><span></span><br clear="none"><span></span><br clear="none"><span> Even within the inconvenient scenario above, Equity with its</span><br clear="none"><span> large customer base was bound to pose some significant</span><br clear="none"><span> competition to the leading mobile money provider</span><br clear="none"><span> Safaricom. The surprise, it seems, is the secret weapon</span><br clear="none"><span> Equity unveiled recently in the form of a Thin-SIM</span><br clear="none"><span> Card....</span><br clear="none"><span></span><br clear="none"><span> ------</span><br clear="none"><span></span><br clear="none"><span> Read more @</span><br clear="none"><span></span><br clear="none"><span> <a rel="nofollow" shape="rect" target="_blank" href="http://www.nation.co.ke/oped/blogs/dot9/walubengo/-/2274560/2453920/-/11d48l2z/-/index.html">http://www.nation.co.ke/oped/blogs/dot9/walubengo/-/2274560/2453920/-/11d48l2z/-/index.html</a></span><br
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clear="none"><span></span><br clear="none"><span></span><br clear="none"><span> KICTANetiquette : Adhere to the same standards of acceptable</span><br clear="none"><span> behaviors online that you follow in real life: respect</span><br clear="none"><span> people's times and bandwidth, share knowledge, don't</span><br clear="none"><span> flame or abuse or personalize, respect privacy, do not spam,</span><br clear="none"><span> do not market your wares or qualifications.</span><br clear="none"><span></span><br clear="none"><span></span><br clear="none"><span></span><br clear="none"><span></span><br clear="none"><span> -- </span><br clear="none"><span> Regards, </span><br clear="none"><span></span><br clear="none"><span> Collins Areba, </span><br clear="none"><span> P.O Box 44441, 00100</span><br clear="none"><span> Nairobi, Kenya. </span><br clear="none"><span> Tel: +254 707 750 788 / 720 516</span><br clear="none"><span> 758</span><br clear="none"><span>
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target="_blank">https://lists.kictanet.or.ke/mailman/options/kictanet/sophiabekele%40yahoo.com</a><br clear="none"><br clear="none">The Kenya ICT Action Network (KICTANet) is a multi-stakeholder platform for people and institutions interested and involved in ICT policy and regulation. The network aims to act as a catalyst for reform in the ICT sector in support of the national aim of ICT enabled growth and development.<br clear="none"><br clear="none">KICTANetiquette : Adhere to the same standards of acceptable behaviors online that you follow in real life: respect people's times and bandwidth, share knowledge, don't flame or abuse or personalize, respect privacy, do not spam, do not market your wares or qualifications.</div><br><br></div> </blockquote> </div> </div> </div> </div></body></html>