<div dir="ltr">Also thinking about the part where the SIM card will need to be inactive while the other is active, I think Safaricom do have a legal point where they will have a technical outage as the user switches to second SIM. You know, unlike Dual-SIM which allows for dual standby, these two SIMs will not operate at the same time. That and the part where we still are not sure about data security as mentioned by Collins and Delano. <div><br></div><div>Brings me to this: Who is supposed to test and verify that the thin SIM wont compromise on the security of the primary SIM and why hasn't this been done by now. If I was Safaricom I would worry about giving access to my customer usage habits, just like any subscribed service is able to access from their users to make their services better or like in the case of Google and the likes, serve better ads.</div><div><br></div><div>Martin Gicheru</div><div class="gmail_extra"><br><div class="gmail_quote">On Wed, Sep 17, 2014 at 12:37 PM, Collins Areba via kictanet <span dir="ltr"><<a href="mailto:kictanet@lists.kictanet.or.ke" target="_blank">kictanet@lists.kictanet.or.ke</a>></span> wrote:<br><blockquote class="gmail_quote" style="margin:0 0 0 .8ex;border-left:1px #ccc solid;padding-left:1ex"><div dir="ltr">Safaricom's Case seems grounded on the fact that The Thin Sim sits squarely in between your safaricom SIM card (that offers security layer to your accounts within the safaricom network) and the handset whose input devices you use to interact with their SIM. In theory therefore all keystrokes can therefore be "logged", For the Record I will not be putting anything in that phone that I use heavily for bank transactions because while not yet proven beyond reasonable doubt, Safaricom does have a point. <br></div><div class="HOEnZb"><div class="h5"><div class="gmail_extra"><br><div class="gmail_quote">On Wed, Sep 17, 2014 at 11:30 AM, Walubengo J via kictanet <span dir="ltr"><<a href="mailto:kictanet@lists.kictanet.or.ke" target="_blank">kictanet@lists.kictanet.or.ke</a>></span> wrote:<br><blockquote class="gmail_quote" style="margin:0 0 0 .8ex;border-left:1px #ccc solid;padding-left:1ex">@ Harry D,<br>
<br>
I did cover all your questions in the blog. I also thought Parliament (with all due respect to our very able Hon. MP, Eng J. Rege who sits on the respective committee) has jumped the gun and got involved too soon. They should let the regulator do their thing as per law.<br>
<br>
Meanwhile, you and I know, there is nothing like 100% security (otherwise German Premier's phone would not have been bugged by the CIA :-) So rather than discuss how insecure the technology is, we should be discussing how to implement the technology with increased levels of assurance/security.<br>
<br>
walu.<br>
<br>
<br>
--------------------------------------------<br>
On Wed, 9/17/14, Harry Delano via kictanet <<a href="mailto:kictanet@lists.kictanet.or.ke" target="_blank">kictanet@lists.kictanet.or.ke</a>> wrote:<br>
<br>
Subject: Re: [kictanet] Fw: Equity Bank vs Safaricom :-Round 2<br>
To: <a href="mailto:jwalu@yahoo.com" target="_blank">jwalu@yahoo.com</a><br>
Date: Wednesday, September 17, 2014, 10:56 AM<br>
<div><div><br>
<br>
What about the headlines indicating<br>
Parliament has to have a final say on this, based on<br>
alleged security ramifications posed by this new Thin-Sim<br>
Technology.. It is claimed that it's prone to hacks,<br>
attacks, DoS etc.. and "will erode significantly the<br>
gains achieved so far in mobile money market.." Anyone<br>
with any idea where the technology currently implemented<br>
- <br>
Harry<br>
On Tue, Sep 16, 2014 at<br>
10:00 PM, Mark Kipyegon via kictanet <<a href="mailto:kictanet@lists.kictanet.or.ke" target="_blank">kictanet@lists.kictanet.or.ke</a>><br>
wrote:<br>
Mpesa succeeds<br>
primarily because of a strong distribution network. IMO<br>
Equity have the existing clientele and the resources to<br>
offer a product that can genuinely challenge<br>
Safaricom.<br>
On 16 Sep 2014, at 20:11, "Ahmed Mohamed<br>
Maawy via kictanet" <<a href="mailto:kictanet@lists.kictanet.or.ke" target="_blank">kictanet@lists.kictanet.or.ke</a>><br>
wrote:<br>
<br>
With Ali on this one. Mobile<br>
Money is a gone case in Kenya. If Equity is really providing<br>
a value add service then its not through its mobile<br>
platform. Airtel, Yu and Orange all have far cheaper mobile<br>
money services. If there was a service that would be the<br>
first to topple M-Pesa it would have been Airtel Money.<br>
Heck, Airtel even offers cheaper call rates from Airtel to<br>
Safaricom than from Safaricom to Safaricom and they still<br>
are not getting customers. Did I mention their network<br>
coverage is even stronger?<br>
<br>
And what would Equity need to do? Set up masts<br>
in as far as Kitui, or as far as Maralal, or as far as<br>
Isiolo? Theres a lot of work to be done before Equity<br>
becomes a service provider to even match the least<br>
established provider there is. They would be better off<br>
working with Yu mobile than working even against Safaricom.<br>
No offence.<br>
<br>
So the business<br>
here is in the value add services, which is where mobile<br>
commerce comes in. What is done is done, the value add is<br>
what is the worth for now. Not the competition. Because<br>
competition already exists, no sense saturating it<br>
further.<br>
<br>
On Tue, Sep 16, 2014 at<br>
7:57 PM, McTim via kictanet <<a href="mailto:kictanet@lists.kictanet.or.ke" target="_blank">kictanet@lists.kictanet.or.ke</a>><br>
wrote:<br>
<a href="http://www.economist.com/blogs/baobab/2014/09/disrupting-mobile-banking-kenya" target="_blank">http://www.economist.com/blogs/baobab/2014/09/disrupting-mobile-banking-kenya</a><br>
<br>
Does anyone know which<br>
network Equity is 'virtual" on?<br>
<br>
rgds,<br>
<br>
McTim<br>
<br>
On Tue, Sep 16,<br>
2014 at 10:03 AM, Sophia Bekele via kictanet <<a href="mailto:kictanet@lists.kictanet.or.ke" target="_blank">kictanet@lists.kictanet.or.ke</a>><br>
wrote:<br>
resting<br>
discussion on where mobile baking is going....<br>
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Sophia<br>
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On Tuesday, September<br>
16, 2014 7:52 AM, Ali Hussein via kictanet <<a href="mailto:kictanet@lists.kictanet.or.ke" target="_blank">kictanet@lists.kictanet.or.ke</a>><br>
wrote:<br>
<br>
<br>
<br>
<br>
<br>
@Walu<br>
Lets wait and see...Many have<br>
written off Safaricom before. What I'm loving<br>
about this discussion though is the elephant in the room. I<br>
believe Kenyans are waiting for the next big thing. This<br>
mobile money thing has been hyped and flogged until its<br>
dead. The next big thing is mobile commerce. <br>
And I don't mean the 'Lipa<br>
na Mpesa' variety. <br>
I mean real m-commerce enablement -<br>
SME supply chain financing, invoice discounting etc.<br>
That's where the future is and that's why the KCB<br>
tie up is interesting. My only concern with that is that<br>
most banks (fortunately for Safaricom) are old school<br>
thinkers unwilling to venture into the<br>
unknown. <br>
This ship<br>
hasn't sailed yet. It remains to be seen who will be at<br>
the helm.<br>
Ali<br>
Hussein<br>
+254 770 906375 / 0713<br>
601113<br>
Twitter:<br>
</div></div><div><div> @AliHKassimSkype:<br>
abu-jomoLinkedIn: <a href="http://ke.linkedin.com/in/alihkassimBlog" target="_blank">http://ke.linkedin.com/in/alihkassimBlog</a>: <a href="http://www.alyhussein.com" target="_blank">www.alyhussein.com</a><br>
<br>
"I fear the day<br>
technology will surpass human interaction. The world will<br>
have a generation of idiots". ~ Albert<br>
Einstein<br>
Sent<br>
from my iPad<br>
On Sep 16,<br>
2014, at 5:31 PM, Walubengo J <<a href="mailto:jwalu@yahoo.com" target="_blank">jwalu@yahoo.com</a>><br>
wrote:<br>
<br>
@Ali,<br>
<br>
Equity is<br>
not just after Safaricom lunch, they are after their dinner<br>
as well :-).<br>
<br>
This thin-SIM technology will do what<br>
Number Portability failed to do. People are likely to<br>
"Vooka" onto Equity (cheaper) voice services<br>
without having to buy two phones or dual-SIM phones.<br>
Equity mobile money value proposition, will have the<br>
side-effect of knock the breath out of Safaricom's voice<br>
revenues...fortunately, Safcom can see this, and they are<br>
not taking it kindly :-)<br>
<br>
We are<br>
indeed living in very interesting times in .Ke<br>
<br>
walu.<br>
--------------------------------------------<br>
On Tue, 9/16/14, Ali Hussein via kictanet<br>
<<a href="mailto:kictanet@lists.kictanet.or.ke" target="_blank">kictanet@lists.kictanet.or.ke</a>><br>
wrote:<br>
<br>
Subject: Re: [kictanet] Equity Bank vs<br>
Safaricom :-Round 2<br>
To: <a href="mailto:jwalu@yahoo.com" target="_blank">jwalu@yahoo.com</a><br>
Date: Tuesday, September 16, 2014, 3:18<br>
PM<br>
<br>
Collins <br>
<br>
Well put. <br>
Walu, <br>
I'm keen to understand how<br>
a<br>
technology which is a<br>
commodity ( read here that Safaricom<br>
can also implement the same technology)<br>
can usurp<br>
Safaricom's<br>
unassailable lead in this<br>
<br>
space.<br>
What's my<br>
point? <br>
<br>
Technology is<br>
an accelerator<br>
and NOT The Strategy in itself. Assume first<br>
that what you can access in the open<br>
market (as opposed to<br>
<br>
restricted<br>
technology under patent) your competitors can do<br>
so too. We usually forget this but MPesa<br>
isn't even the<br>
best mobile<br>
technology in the country. Not even by a long<br>
short! They managed to capture their<br>
base through first<br>
mover<br>
advantage and a positioning statement that was<br>
apparently well received by Kenyans. And<br>
of course there is<br>
the Network<br>
Effect of being ubiquitous in the<br>
space.<br>
<br>
Equity needs to<br>
execute with<br>
excellence and not depend on the Technology to<br>
take on Safaricom.<br>
Needless to say I would love to be<br>
a<br>
fly on the wall in the<br>
strategy sessions currently going on<br>
<br>
in both companies. Careers will be made or broken<br>
on<br>
this..no doubt about<br>
that.<br>
Ali<br>
Hussein<br>
<br>
+254 770<br>
906375 / 0713<br>
601113<br>
Twitter:<br>
@AliHKassimSkype: abu-jomoLinkedIn: <a href="http://ke.linkedin.com/in/alihkassimBlog" target="_blank">http://ke.linkedin.com/in/alihkassimBlog</a>: <a href="http://www.alyhussein.com" target="_blank">www.alyhussein.com</a><br>
<br>
"I<br>
fear the day<br>
technology will<br>
surpass human interaction. The world will<br>
have a generation of idiots". ~<br>
Albert<br>
Einstein<br>
Sent from my iPad<br>
On Sep<br>
16,<br>
2014, at 1:06 PM, Collins<br>
Areba via kictanet <<a href="mailto:kictanet@lists.kictanet.or.ke" target="_blank">kictanet@lists.kictanet.or.ke</a>><br>
wrote:<br>
<br>
"We<br>
are glad<br>
to use this platform<br>
to deliver an extension service to our<br>
customers, It is our heartfelt desire to<br>
satisfy our<br>
customers first,<br>
and if technology affords us that<br>
opportunity, we are obliged to take up<br>
on it. If the same<br>
technology<br>
should allow us to interact with our customers,<br>
and have an opportunity to give them<br>
voice and data<br>
in the same<br>
breath, then why not, those would be extras<br>
to<br>
the benefit of our<br>
client... "<br>
<br>
Paraphrased from memory during<br>
an<br>
interview on Citizen last<br>
week. I think this opens the game<br>
wide Open, and For the Record, Safaricom<br>
should be given a<br>
Commercial<br>
Banking license.<br>
<br>
My 10 Cents.<br>
<br>
On Tue,<br>
Sep 16, 2014 at<br>
12:06 PM,<br>
Walubengo J via kictanet <<a href="mailto:kictanet@lists.kictanet.or.ke" target="_blank">kictanet@lists.kictanet.or.ke</a>><br>
wrote:<br>
<br>
Listers,<br>
<br>
<br>
<br>
I thought you might find this<br>
interesting,<br>
<br>
<br>
<br>
----------------<br>
<br>
After<br>
Equity Bank decided to directly play in the mobile<br>
money market by issuing its own SIM<br>
cards, we debated<br>
heatedly in<br>
a previous blog whether Safaricom had finally<br>
met its match. At the time, it was<br>
assumed that Equity<br>
would be<br>
selling the traditional SIM card, which would<br>
require customers to either buy dual<br>
SIM-card phones or<br>
carry two<br>
phones in order to access services from two<br>
existing providers.<br>
<br>
<br>
<br>
Even<br>
within the inconvenient scenario above, Equity with<br>
its<br>
large customer base was<br>
bound to pose some significant<br>
<br>
competition to the leading mobile money provider<br>
Safaricom. The surprise, it seems, is<br>
the secret weapon<br>
Equity<br>
unveiled recently in the form of a Thin-SIM<br>
Card....<br>
<br>
<br>
------<br>
<br>
Read more @<br>
<br>
<a href="http://www.nation.co.ke/oped/blogs/dot9/walubengo/-/2274560/2453920/-/11d48l2z/-/index.html" target="_blank">http://www.nation.co.ke/oped/blogs/dot9/walubengo/-/2274560/2453920/-/11d48l2z/-/index.html</a><br>
<br>
<br>
<br>
<br>
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The Kenya ICT Action Network (KICTANet) is a<br>
multi-stakeholder platform for people and institutions<br>
interested and involved in ICT policy and regulation. The<br>
network aims to act as a catalyst for reform in the ICT<br>
sector in support of the national aim of ICT enabled growth<br>
and development.<br>
<br>
<br>
<br>
KICTANetiquette : Adhere to the same standards of acceptable<br>
behaviors online that you follow in real life: respect<br>
people's times and bandwidth, share knowledge, don't<br>
flame or abuse or personalize, respect privacy, do not spam,<br>
do not market your wares or qualifications.<br>
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--<br>
Ahmed Maawy<br>
Shaper - Global<br>
Shapers<br>
Executive Director - M-Power<br>
(CBO)<br>
Ambassador - Open Knowledge<br>
CTO - D8A, Appfrica Labs<br>
(KE)<br>
+254 714 960 627<br>
Skype: ultimateprogramer<br>
<br>
<a href="http://www.globalshapers.org" target="_blank">www.globalshapers.org</a><br>
<a href="http://www.okfn.org" target="_blank">www.okfn.org</a><br>
<a href="http://www.d8a.com" target="_blank">www.d8a.com</a><br>
<a href="http://www.appfrica.com" target="_blank">www.appfrica.com</a><br>
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<br>
The Kenya ICT Action Network (KICTANet)<br>
is a multi-stakeholder platform for people and institutions<br>
interested and involved in ICT policy and regulation. The<br>
network aims to act as a catalyst for reform in the ICT<br>
sector in support of the national aim of ICT enabled growth<br>
and development.<br>
<br>
KICTANetiquette : Adhere to the same<br>
standards of acceptable behaviors online that you follow in<br>
real life: respect people's times and bandwidth, share<br>
knowledge, don't flame or abuse or personalize, respect<br>
privacy, do not spam, do not market your wares or<br>
qualifications.<br>
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<br>
<br>
<br>
The Kenya ICT Action Network (KICTANet) is a<br>
multi-stakeholder platform for people and institutions<br>
interested and involved in ICT policy and regulation. The<br>
network aims to act as a catalyst for reform in the ICT<br>
sector in support of the national aim of ICT enabled growth<br>
and development.<br>
<br>
<br>
<br>
KICTANetiquette : Adhere to the same standards of acceptable<br>
behaviors online that you follow in real life: respect<br>
people's times and bandwidth, share knowledge, don't<br>
flame or abuse or personalize, respect privacy, do not spam,<br>
do not market your wares or qualifications.<br>
<br>
<br>
-----Inline Attachment Follows-----<br>
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<br>
The Kenya ICT Action Network<br>
(KICTANet) is a multi-stakeholder platform for people and<br>
institutions interested and involved in ICT policy and<br>
regulation. The network aims to act as a catalyst for reform<br>
in the ICT sector in support of the national aim of ICT<br>
enabled growth and development.<br>
<br>
KICTANetiquette : Adhere to the same standards<br>
of acceptable behaviors online that you follow in real life:<br>
respect people's times and bandwidth, share knowledge,<br>
don't flame or abuse or personalize, respect privacy, do<br>
not spam, do not market your wares or<br>
qualifications.<br>
<br>
_______________________________________________<br>
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<br>
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>
<br>
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.<br>
</div></div></blockquote></div><br><br clear="all"><br>-- <br><div dir="ltr"><div><div><div><div><div>Regards, <br><br></div>Collins Areba, <br></div>P.O Box 44441, 00100<br></div>Nairobi, Kenya. <br></div><div>Tel: +254 707 750 788 / 720 516 758<br></div>Twitter: @arebacollins.<br></div>Skype: arebacollins<br></div>
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<br>
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>
<br>
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.<br></blockquote></div><br></div></div>