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</o:shapelayout></xml><![endif]--></head><body lang=EN-US link=blue vlink=purple><div class=WordSection1><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Georgia","serif";color:#1F497D'>+1 Kamotho. Notwithstanding the self incriminating statement by Safaricom which shows any one with malicious intent only need acquire a Thin SIM and preload to access their network, Safaricom could also have done well to share videos or live demos of their lab tests as proof of this threat.<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Georgia","serif";color:#1F497D'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Georgia","serif";color:#1F497D'> It is mind shuttering to imagine the consequences of this admission particularly in this age of cyber attacks.<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Georgia","serif";color:#1F497D'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Georgia","serif";color:#1F497D'>If I were Safaricom I would be spending my energies with CBK to get a banking license!<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Georgia","serif";color:#1F497D'><o:p> </o:p></span></p><p class=MsoNormal><b><span style='font-size:11.0pt;font-family:"Georgia","serif";color:#1F497D'>John Masiwe</span></b><b><span style='font-family:"Georgia","serif";color:#1F497D'><o:p></o:p></span></b></p><p class=MsoNormal><i><span style='font-size:11.0pt;font-family:"Georgia","serif";color:#1F497D'>Business Development Director & CEO<o:p></o:p></span></i></p><p class=MsoNormal><b><span style='font-size:11.0pt;font-family:"Agency FB","sans-serif";color:#1F497D'>Blue Gate Technologies Ltd - </span></b><span style='font-size:11.0pt;font-family:"Agency FB","sans-serif";color:#1F497D'>Professional and Quality ICT Services<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Agency FB","sans-serif";color:#1F497D'>4<sup>th</sup> Floor – Bishop Maigua Plaza (opp. Uchumi Hyper – Ngong Rd)<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Agency FB","sans-serif";color:#1F497D'>Ngong Road, Nairobi<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Agency FB","sans-serif";color:#1F497D'>P. O. Box 344 – 00600 Nairobi<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:9.0pt;font-family:"Book Antiqua","serif";color:#1F497D'>Website: <a href="http://www.bluegate.co.ke">www.bluegate.co.ke</a> | Email: <a href="mailto:jmasiwe@bluegate.co.ke">jmasiwe@bluegate.co.ke</a> | Tel: 0725 24 88 00 - 0714 772 468<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:9.0pt;font-family:"Book Antiqua","serif";color:#1F497D'><img border=0 width=474 height=157 id="Picture_x0020_1" src="cid:image001.png@01CFD348.38760B40" alt="Email Signature"></span><span style='font-size:11.0pt;font-family:"Georgia","serif";color:#1F497D'><o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Georgia","serif";color:#1F497D'><o:p> </o:p></span></p><div style='border:none;border-top:solid #B5C4DF 1.0pt;padding:3.0pt 0in 0in 0in'><p class=MsoNormal><b><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif"'>From:</span></b><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif"'> kictanet [mailto:kictanet-bounces+jmasiwe=bluegate.co.ke@lists.kictanet.or.ke] <b>On Behalf Of </b>Kamotho Njenga via kictanet<br><b>Sent:</b> Thursday, September 18, 2014 1:18 PM<br><b>To:</b> John Masiwe<br><b>Subject:</b> Re: [kictanet] Equity Bank vs Safaricom :-Round 2<o:p></o:p></span></p></div><p class=MsoNormal><o:p> </o:p></p><div><div><div><div><div><div><div><div><div><div><div><p class=MsoNormal>It would be inappropriate to dismiss Safaricom's security concerns without a bit of interrogation. Below is a brief excerpt of what Safaricom's team advanced as the basis of their opposition for the Thin SIM before the Parliamentary Committee <br><br><b>"Safaricom head of regulatory services Stephen Chege and the head of product services Kenneth Okwero said the technology will affect Kenyans and other mobile phone subscribers if thin SIMs are overlaid on users' primary SIM cards. Mr Chege said when Safaricom became aware of the technology, it put the thin SIM in its lab and tested to see how it affects communication between the phone and the original SIM. From testing, we found out that it is a bridge between what you type in your phone and the main SIM. Thin SIM is capable of seeing through any transaction," he said. He said the thin SIM technology may compromise its M-Pesa services."</b><o:p></o:p></p></div><p class=MsoNormal><br>Relevant questions from this position may include:<o:p></o:p></p></div><p class=MsoNormal>1. Does the problem emanate from the Safaricom's SIM being used as a bridge? (Kutumiwa Vibaya as literally said)<o:p></o:p></p></div><p class=MsoNormal>2. How exactly does the Thin SIM see through the transaction and which particular Thin SIM variety is in focus?<o:p></o:p></p></div><p class=MsoNormal>3. Beyond seeing through the transaction, what threats are posed by the Thin SIM?<o:p></o:p></p></div><p class=MsoNormal>4. Whose duty is it to secure a clients transactions from been seen through, intercepted, corrupted etc. Does the duty fall on Safaricom or on the competitor? Can you rightly accuse people of being snoopy for seeing through your birthday suit having opted to walk naked? Are strangers obliged to shut their eyes or clothe you to preserve the sanctity of your nudity?<o:p></o:p></p></div><p class=MsoNormal>5. Which exact layer of the M-Pesa system is being compromised? Is it the individual client transaction or the larger network? Can a penetration within my SIM card affect the state of fellow subscribers?<o:p></o:p></p></div><p class=MsoNormal>6. What other vulnerabilities are Safaricom subscribers currently exposed to which can only be divulged if any other competitor proposes to offer another disruptive solution?<o:p></o:p></p></div><p class=MsoNormal>7. Are we better of if we just enact a regulatory requirement that subjects all future emergent technologies/solutions to the dominant players lab "to get clearance"?<o:p></o:p></p></div><p class=MsoNormal>8. If both the Ordinary and the Thin SIM belong to me, what issues arise if the SIMs decide to observe or interfere with each others activities? Assume a scenario where one of my two SIMs initiates a fraudulent transaction and steals from the other? (e.g the Thin SIM steals money from my M-Pesa and deposits it in my Equity bank account)<o:p></o:p></p></div><div><p class=MsoNormal>9. Bearing in mind that security is neither guaranteed by the conventional or the thin SIM, what about candidly telling Kenyans that they have always risked with the traditional SIM and another SIM (Thin SIM) with unknown risks is about to hit the market?<o:p></o:p></p></div><div><p class=MsoNormal><o:p> </o:p></p></div><p class=MsoNormal>Kamotho<o:p></o:p></p></div><div><p class=MsoNormal><o:p> </o:p></p><div><p class=MsoNormal>On Wed, Sep 17, 2014 at 8:44 PM, Aquinas Wasike via kictanet <<a href="mailto:kictanet@lists.kictanet.or.ke" target="_blank">kictanet@lists.kictanet.or.ke</a>> wrote:<o:p></o:p></p><div><div><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span lang=EN-GB>Listers, <o:p></o:p></span></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span lang=EN-GB> <o:p></o:p></span></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span lang=EN-GB>I think we are tending to over-analyze. In this space, there is really never a sure fire stage of so called proven technology…..even M-Pesa remains evolving!<o:p></o:p></span></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span lang=EN-GB> <o:p></o:p></span></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span lang=EN-GB>M-Pesa was never anything really technologically ground-breaking, it was just a logical solution to the mama-mboga/wanjiku problem of money transfer. It was a very simple system/solution to a known problem. But it caught on and became a runaway success (even the originators of M-Pesa do marvel about the combination of luck and other factors that led to its success). It was a value add service to its existing customers.<o:p></o:p></span></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span lang=EN-GB> <o:p></o:p></span></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span lang=EN-GB>That said, M-Pesa has been a beneficiary of <b><u>soft regulation</u></b>. It remains so even today! Both CBK and CA (formerly CCK) remain undecided or unsure about how to regulate that market almost 10 years later. Safaricom through its large customer base network effect and lock-in strategy ran away with the significant mobile transfer customer base. Airtel could never shake this strangle-hold. Safaricom went on to become a near monopoly in the mobile money (transfer/payments) sector, as well as a near monopoly in the voice market as it concurrently locked in its subscribers and now sits at almost 21m subscribers.<o:p></o:p></span></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span lang=EN-GB> <o:p></o:p></span></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span lang=EN-GB>So, as we debate this there are 1001 reasons we can advance to deny this thin-sim solution. There is almost nothing we cannot advance as a reason to deny Equity the use of this thin-sim technology. And Cofek should be supporting this to create competition to free up the market from Safaricom enslavement. <o:p></o:p></span></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span lang=EN-GB> <o:p></o:p></span></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span lang=EN-GB>The real war we should be waiting for is who will manage to get to the hearts of the consumer. This is about the simple and practical VAS that they will avail. These customers will easily move away with their number to this new service provider with the value add services that are practical to him/her. This will cause number portability without a sweat. Maybe then Dr. Partrick Musimba will switch on his service for porting these customers back and forth between Equity, Safaricom etc….. Exciting times ahead, I guess.<o:p></o:p></span></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span lang=EN-GB> <o:p></o:p></span></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span lang=EN-GB>Safaricom should expect to be served by the same token it benefited from several years ago when it launched M-Pesa. I would really be surprised if Safaricom has been sitting pretty on its honey pot thinking that this moment will not arrive.<o:p></o:p></span></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span lang=EN-GB> <o:p></o:p></span></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span lang=EN-GB>In the meantime, let us let the Parliamentary committee continue to enjoy their sitting allowances. Unless this happened last night, I would be surprised if they will be making any ground breaking technological declarations. <o:p></o:p></span></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span lang=EN-GB> <o:p></o:p></span></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span lang=EN-GB>My 2 cents….<o:p></o:p></span></p><div><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;text-autospace:none'><span style='font-size:10.0pt;font-family:"Trebuchet MS","sans-serif";color:#1F497D'> </span><span lang=EN-GB><o:p></o:p></span></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;text-autospace:none'><span style='font-size:10.0pt;font-family:"Trebuchet MS","sans-serif";color:#1F497D'>-----------------------------------------------------------------</span><span lang=EN-GB><o:p></o:p></span></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;text-autospace:none'><span style='font-size:10.0pt;font-family:"Trebuchet MS","sans-serif";color:#1F497D'>Aquinas Wasike</span><span lang=EN-GB><o:p></o:p></span></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;text-autospace:none'><span lang=FR style='font-size:10.0pt;font-family:"Trebuchet MS","sans-serif";color:#1F497D'> </span><span lang=EN-GB><o:p></o:p></span></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;text-autospace:none'><span lang=FR style='font-size:10.0pt;font-family:"Trebuchet MS","sans-serif";color:#1F497D'>Mobile: <a href="tel:%2B254%20722%20511120" target="_blank">+254 722 511120</a></span><span lang=EN-GB><o:p></o:p></span></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;text-autospace:none'><span lang=FR style='font-size:10.0pt;font-family:"Trebuchet MS","sans-serif";color:#1F497D'> </span><span lang=EN-GB><o:p></o:p></span></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;text-autospace:none'><span lang=FR style='font-size:10.0pt;font-family:"Trebuchet MS","sans-serif";color:#1F497D'>Email: </span><span style='font-size:10.0pt;font-family:"Trebuchet MS","sans-serif";color:#1F497D'><a href="mailto:aquinasw@lantech.co.ke" target="_blank"><span lang=FR>aquinasw@lantech.co.ke</span></a></span><span lang=EN-GB><o:p></o:p></span></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;text-autospace:none'><span style='font-size:10.0pt;font-family:"Trebuchet MS","sans-serif";color:#1F497D'>Website: <a href="http://www.lantech.co.ke" target="_blank">www.lantech.co.ke</a></span><span lang=EN-GB><o:p></o:p></span></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;text-autospace:none'><span style='font-size:10.0pt;font-family:"Trebuchet MS","sans-serif";color:#1F497D'>-----------------------------------------------------------------</span><span lang=EN-GB><o:p></o:p></span></p></div><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span lang=EN-GB style='font-size:11.0pt;font-family:"Arial Black","sans-serif";color:#1F497D'> </span><span lang=EN-GB><o:p></o:p></span></p><div><div style='border:none;border-top:solid #B5C4DF 1.0pt;padding:3.0pt 0in 0in 0in'><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><b><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif"'>From:</span></b><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif"'> kictanet [mailto:<a href="mailto:kictanet-bounces%2Baquinasw" target="_blank">kictanet-bounces+aquinasw</a>=<a href="mailto:lantech.co.ke@lists.kictanet.or.ke" target="_blank">lantech.co.ke@lists.kictanet.or.ke</a>] <b>On Behalf Of </b>Ali Hussein via kictanet<br><b>Sent:</b> Wednesday, September 17, 2014 3:59 PM<br><b>To:</b> Aquinas Wasike</span><span lang=EN-GB><o:p></o:p></span></p><div><div><p class=MsoNormal><span lang=EN-GB><br><b>Subject:</b> Re: [kictanet] Equity Bank vs Safaricom :-Round 2<o:p></o:p></span></p></div></div></div></div><div><div><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span lang=EN-GB> <o:p></o:p></span></p><div><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span lang=EN-GB>David<o:p></o:p></span></p></div><div><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span lang=EN-GB> <o:p></o:p></span></p></div><div><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span lang=EN-GB>With all due respect to COFEK.<o:p></o:p></span></p></div><div><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span lang=EN-GB> <o:p></o:p></span></p></div><div><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span lang=EN-GB>How did you guys react to Mpesa? Weren't Kenyans 'guinea pigs' then?<o:p></o:p></span></p></div><div><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span lang=EN-GB> <o:p></o:p></span></p></div><div><p class=MsoNormal style='mso-margin-top-alt:auto;margin-bottom:12.0pt'><span lang=EN-GB>Far be it for me to question COFEK's motives here beyond 'protecting' Wanjiku..<o:p></o:p></span></p><div><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><b><span lang=EN-GB>Ali Hussein</span></b><span lang=EN-GB><o:p></o:p></span></p></div><div><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span lang=EN-GB> <o:p></o:p></span></p></div><div><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span lang=EN-GB style='font-size:13.5pt;font-family:"Helvetica","sans-serif"'><a href="tel:%2B254%20770%20906375" target="_blank">+254 770 906375</a> / 0713 601113</span><span lang=EN-GB><o:p></o:p></span></p></div><div><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span lang=EN-GB style='font-size:13.5pt;font-family:"Helvetica","sans-serif"'> </span><span lang=EN-GB><o:p></o:p></span></p></div><div><p style='margin:0in;margin-bottom:.0001pt'><span lang=EN-GB>Twitter: @AliHKassim<o:p></o:p></span></p><p style='margin:0in;margin-bottom:.0001pt'><span lang=EN-GB>Skype: abu-jomo<o:p></o:p></span></p><p style='margin:0in;margin-bottom:.0001pt'><span lang=EN-GB>LinkedIn: <a href="http://ke.linkedin.com/in/alihkassim" target="_blank">http://ke.linkedin.com/in/alihkassim</a><o:p></o:p></span></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span lang=EN-GB>Blog: <a href="http://www.alyhussein.com/" target="_blank">www.alyhussein.com</a><o:p></o:p></span></p></div><div><p class=MsoNormal style='mso-margin-top-alt:auto;margin-bottom:12.0pt'><span lang=EN-GB><o:p> </o:p></span></p></div><div><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span lang=EN-GB>"I fear the day technology will surpass human interaction. The world will have a generation of idiots". ~ Albert Einstein<o:p></o:p></span></p></div><div><p class=MsoNormal style='mso-margin-top-alt:auto;margin-bottom:12.0pt'><span lang=EN-GB><o:p> </o:p></span></p></div><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span lang=EN-GB>Sent from my iPad<o:p></o:p></span></p></div><div><p class=MsoNormal style='mso-margin-top-alt:auto;margin-bottom:12.0pt'><span lang=EN-GB><br>On Sep 17, 2014, at 3:49 PM, "Consumers Federation of Kenya \(COFEK\) via kictanet" <<a href="mailto:kictanet@lists.kictanet.or.ke" target="_blank">kictanet@lists.kictanet.or.ke</a>> wrote:<o:p></o:p></span></p></div><blockquote style='margin-top:5.0pt;margin-bottom:5.0pt'><div><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span lang=EN-GB style='font-size:11.0pt;font-family:"Tahoma","sans-serif"'>Dear Mr Kioko,</span><span lang=EN-GB><o:p></o:p></span></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span lang=EN-GB style='font-size:11.0pt;font-family:"Tahoma","sans-serif"'> </span><span lang=EN-GB><o:p></o:p></span></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span lang=EN-GB style='font-size:11.0pt;font-family:"Tahoma","sans-serif"'>We are watching this debate very keenly. We can’t resist the temptation to comment on your issue. The summary you capture is obviously about Consumer Rights. </span><span lang=EN-GB><o:p></o:p></span></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span lang=EN-GB style='font-size:11.0pt;font-family:"Tahoma","sans-serif"'> </span><span lang=EN-GB><o:p></o:p></span></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span lang=EN-GB style='font-size:11.0pt;font-family:"Tahoma","sans-serif"'>Article 46(1)(b) of the Constitution says – “Consumers have the <u>right</u> to the <u>information</u> necessary for them to gain full benefit from goods and services”. Under the Consumer Protection Act, 2012 on Section 5(1) under the quality of goods and services, the law states that: “The <u>supplier is deemed to warrant</u> that the goods or services supplied under a consumer agreement are of a reasonably merchantable quality”</span><span lang=EN-GB><o:p></o:p></span></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span lang=EN-GB style='font-size:11.0pt;font-family:"Tahoma","sans-serif"'> </span><span lang=EN-GB><o:p></o:p></span></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span lang=EN-GB style='font-size:11.0pt;font-family:"Tahoma","sans-serif"'>When CA approved 3 MVNO’s in April 2014 without addressing itself to the new emerging challenges, even beyond it, the consumer is left to be a “guinea pig” upon which this technology would be tested upon, with either good or bad results notwithstanding. In the (un)likely event privacy will be lost as a result of such technology, service providers must be reminded that Article 31(c)(d) of the Constitution are not suspended.</span><span lang=EN-GB><o:p></o:p></span></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span lang=EN-GB style='font-size:11.0pt;font-family:"Tahoma","sans-serif"'> </span><span lang=EN-GB><o:p></o:p></span></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span lang=EN-GB style='font-size:11.0pt;font-family:"Tahoma","sans-serif"'>At Cofek, we encourage innovations and competition but we must also be sensitive to Wanjiku, the law and public interest. Reulation should not always behind of ICT innovations. It must be ahead so we are not so helpless as to expect MP’s to decide on a highly technical matter as to the pros and cons of a thin sim. Thank you.</span><span lang=EN-GB><o:p></o:p></span></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span lang=EN-GB style='font-size:11.0pt;font-family:"Tahoma","sans-serif"'> </span><span lang=EN-GB><o:p></o:p></span></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span lang=EN-GB style='font-size:11.0pt;font-family:"Tahoma","sans-serif"'>David Kedode</span><span lang=EN-GB><o:p></o:p></span></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><b><u><span lang=EN-GB style='font-size:11.0pt;font-family:"Tahoma","sans-serif"'>Program Officer</span></u></b><span lang=EN-GB><o:p></o:p></span></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span lang=EN-GB style='font-size:11.0pt;font-family:"Tahoma","sans-serif"'><a href="http://www.cofek.co.ke" target="_blank">www.cofek.co.ke</a> </span><span lang=EN-GB><o:p></o:p></span></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span lang=EN-GB style='font-size:11.0pt;font-family:"Tahoma","sans-serif"'> </span><span lang=EN-GB><o:p></o:p></span></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span lang=EN-GB style='font-size:11.0pt;font-family:"Tahoma","sans-serif"'> </span><span lang=EN-GB><o:p></o:p></span></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span lang=EN-GB style='font-size:11.0pt;font-family:"Tahoma","sans-serif"'> </span><span lang=EN-GB><o:p></o:p></span></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span lang=EN-GB style='font-size:11.0pt;font-family:"Tahoma","sans-serif"'> </span><span lang=EN-GB><o:p></o:p></span></p><div><div style='border:none;border-top:solid #B5C4DF 1.0pt;padding:3.0pt 0in 0in 0in'><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><b><span lang=EN-GB style='font-size:10.0pt;font-family:"Tahoma","sans-serif"'>From:</span></b><span lang=EN-GB style='font-size:10.0pt;font-family:"Tahoma","sans-serif"'> kictanet [<a href="mailto:kictanet-bounces+hotline=cofek.co.ke@lists.kictanet.or.ke" target="_blank">mailto:kictanet-bounces+hotline=cofek.co.ke@lists.kictanet.or.ke</a>] <b>On Behalf Of </b>Bernard Kioko via kictanet<br><b>Sent:</b> Wednesday, September 17, 2014 3:28 PM<br><b>To:</b> The Consumers Federation of Kenya (Cofek)<br><b>Subject:</b> Re: [kictanet] Equity Bank vs Safaricom :-Round 2</span><span lang=EN-GB><o:p></o:p></span></p></div></div><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span lang=EN-GB> <o:p></o:p></span></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span lang=EN-GB style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'>Noted fr</span><span lang=EN-GB style='font-size:11.0pt;font-family:"Calibri","sans-serif"'><image001.png><span style='color:#1F497D'>om the document:</span></span><span lang=EN-GB><o:p></o:p></span></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span lang=EN-GB style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'> </span><span lang=EN-GB><o:p></o:p></span></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span lang=EN-GB style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'> </span><span lang=EN-GB><o:p></o:p></span></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span lang=EN-GB style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'> </span><span lang=EN-GB><o:p></o:p></span></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><b><span lang=EN-GB style='font-size:10.0pt;font-family:"Tahoma","sans-serif"'>From:</span></b><span lang=EN-GB style='font-size:10.0pt;font-family:"Tahoma","sans-serif"'> kictanet [<a href="mailto:kictanet-bounces+bkioko=bernsoft.com@lists.kictanet.or.ke" target="_blank">mailto:kictanet-bounces+bkioko=bernsoft.com@lists.kictanet.or.ke</a>] <b>On Behalf Of </b>Anthony Kiarie via kictanet<br><b>Sent:</b> Wednesday, September 17, 2014 3:12 PM<br><b>To:</b> <a href="mailto:bkioko@bernsoft.com" target="_blank">bkioko@bernsoft.com</a><br><b>Subject:</b> Re: [kictanet] Equity Bank vs Safaricom :-Round 2</span><span lang=EN-GB><o:p></o:p></span></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span lang=EN-GB> <o:p></o:p></span></p><div><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span lang=EN-GB>Hi<o:p></o:p></span></p><div><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span lang=EN-GB>This is what GSMA had to say about the matter;<o:p></o:p></span></p></div><div><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span lang=EN-GB> <o:p></o:p></span></p></div><div><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span lang=EN-GB><a href="http://www.gsma.com/publicpolicy/wp-content/uploads/2014/08/GSMA-Security-Group-Overlay_SIM_Security_Assessment_August_18_2014.pdf" target="_blank">http://www.gsma.com/publicpolicy/wp-content/uploads/2014/08/GSMA-Security-Group-Overlay_SIM_Security_Assessment_August_18_2014.pdf</a><o:p></o:p></span></p></div></div><div><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span lang=EN-GB> <o:p></o:p></span></p><div><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span lang=EN-GB>On Wed, Sep 17, 2014 at 3:01 PM, Harry Delano via kictanet <<a href="mailto:kictanet@lists.kictanet.or.ke" target="_blank">kictanet@lists.kictanet.or.ke</a>> wrote:<o:p></o:p></span></p><div><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span lang=EN-GB>Well summed up Walu...<o:p></o:p></span></p><div><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span lang=EN-GB> <o:p></o:p></span></p></div><div><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span lang=EN-GB>Let's look at the positivity aspect of it, and possibly with the benefit of hindsight, adopt a gradual uptake to "test the waters"...<o:p></o:p></span></p></div><div><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span lang=EN-GB> <o:p></o:p></span></p></div><div><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span lang=EN-GB>By the way who is giving the honorable legislators professional advice on this important Cyber security matter, as they decide the fate of the Thin-sim technology...?<o:p></o:p></span></p></div><div><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span lang=EN-GB> <o:p></o:p></span></p></div><div><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span lang=EN-GB>Harry<o:p></o:p></span></p></div></div><div><div><div><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span lang=EN-GB> <o:p></o:p></span></p><div><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span lang=EN-GB>On Wed, Sep 17, 2014 at 2:33 PM, Walubengo J via kictanet <<a href="mailto:kictanet@lists.kictanet.or.ke" target="_blank">kictanet@lists.kictanet.or.ke</a>> wrote:<o:p></o:p></span></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span lang=EN-GB>Thanks Gicheru,<br><br>I was really getting woried...most of the security concerns raised by listers are the very same ones traditional banks raised against MPESA a few years ago. Luckily, the regulators then ignored them otherwise the global story of MPESA may never have been told let alone celebrated.<br><br>Folks, I am NOT saying there is NO issue with thin-SIM. There are, but I worry when we sound defeatist and perhaps scared to open a new story of mobile money. If Kenyans can't do, no one else in the world will.<br><br>Lets bring out the concerns, but with a view to resolving them rather than running away from them.<br><br>walu.<br>shared secret: as an info-security professional, I was so paranoid about MPESA that I ended being what strategy books call - Laggards or more politely Late adopters. For years I was quite paralysed with my security analysis (analytic paralysis syndrome) and could dare not sign up. Eventually ofcourse I grudgingly signed up - but still get shivers when am sending that mobile money :-)<br><br>--------------------------------------------<br>On Wed, 9/17/14, Martin Gicheru via kictanet <<a href="mailto:kictanet@lists.kictanet.or.ke" target="_blank">kictanet@lists.kictanet.or.ke</a>> wrote:<br><br> Subject: Re: [kictanet] 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, 2:00 PM<o:p></o:p></span></p><div><div><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span lang=EN-GB><br> @Dennis: I don't<br> see Equity Bank worried that they may be exposing consumers<br> in the way you just presented, and this has not come out yet<br> in an argument before. You realize that the same bank<br> account has been accessible on the mobile phone via USSD<br> shortcodes that most of these banks have that they call<br> "mobile banking".<br> On Wed, Sep 17, 2014<br> at 1:33 PM, Collins Areba via kictanet <<a href="mailto:kictanet@lists.kictanet.or.ke" target="_blank">kictanet@lists.kictanet.or.ke</a>><br> wrote:<br> Come to think of this, Would this lead to a rise<br> in Handset Locking to network under plans much like AT&T<br> does elsewhere? Leading to a change in business model from<br> exclusively traditional Prepay to Device Lock in. Or does<br> the regulator intend to block the larger companies from<br> doing this too?<br><br> On Wed, Sep 17, 2014 at 1:28 PM,<br> Dennis Kioko via kictanet <<a href="mailto:kictanet@lists.kictanet.or.ke" target="_blank">kictanet@lists.kictanet.or.ke</a>><br> wrote:<br> I've<br> been using the Equitel SIM card for a few days. <br> One of the things that people have been<br> overlooking in the whole argument is that the Equitel SIM<br> card virtually has your whole bank account sitting on<br> it. <br> So while we are frothing on the mouth over M-Pesa<br> security, I would think that many people will have more<br> money in their bank account than on the SIM card. No one<br> seems to be talking about security on the users side - I<br> mean, if the Thin-SIM's security is compromised, then<br> your whole bank account is<br> compromised. <br><br> On Wednesday, 17 September 2014, Martin Gicheru via kictanet<br> <<a href="mailto:kictanet@lists.kictanet.or.ke" target="_blank">kictanet@lists.kictanet.or.ke</a>><br> wrote:<br> Also thinking about the part where the SIM card<br> will need to be inactive while the other is active, I think<br> Safaricom do have a legal point where they will have a<br> technical outage as the user switches to second SIM. You<br> know, unlike Dual-SIM which allows for dual standby, these<br> two SIMs will not operate at the same time. That and the<br> part where we still are not sure about data security as<br> mentioned by Collins and Delano. <br> Brings me to this: Who is supposed to test and<br> verify that the thin SIM wont compromise on the security of<br> the primary SIM and why hasn't this been done by now. If<br> I was Safaricom I would worry about giving access to my<br> customer usage habits, just like any subscribed service is<br> able to access from their users to make their services<br> better or like in the case of Google and the likes, serve<br> better ads.<br> Martin Gicheru<br> On Wed, Sep 17, 2014<br> at 12:37 PM, Collins Areba via kictanet <<a href="mailto:kictanet@lists.kictanet.or.ke" target="_blank">kictanet@lists.kictanet.or.ke</a>><br> wrote:<br> Safaricom's Case seems grounded on the fact<br> that The Thin Sim sits squarely in between your safaricom<br> SIM card (that offers security layer to your accounts within<br> the safaricom network) and the handset whose input devices<br> you use to interact with their SIM. In theory therefore all<br> keystrokes can therefore be "logged", For the<br> Record I will not be putting anything in that phone that I<br> use heavily for bank transactions because while not yet<br> proven beyond reasonable doubt, Safaricom does have a point.<br><br><br> On Wed, Sep 17, 2014<br> at 11:30 AM, Walubengo J via kictanet <<a href="mailto:kictanet@lists.kictanet.or.ke" target="_blank">kictanet@lists.kictanet.or.ke</a>><br> wrote:<br> @<br> Harry D,<br><br><br><br> I did cover all your questions in the blog. I also thought<br> Parliament (with all due respect to our very able Hon. MP,<br> Eng J. Rege who sits on the respective committee) has jumped<br> the gun and got involved too soon. They should let the<br> regulator do their thing as per law.<br><br><br><br> Meanwhile, you and I know, there is nothing like 100%<br> security (otherwise German Premier's phone would not<br> have been bugged by the CIA :-) So rather than discuss how<br> insecure the technology is, we should be discussing how to<br> implement the technology with increased levels of<br> assurance/security.<br><br><br><br> walu.<br><br><br><br><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><br><br> Subject: Re: [kictanet] Fw: Equity Bank vs Safaricom<br> :-Round 2<br><br> To: <a href="mailto:jwalu@yahoo.com" target="_blank">jwalu@yahoo.com</a><br><br> Date: Wednesday, September 17, 2014, 10:56 AM<br><br><br><br><br><br> What about the headlines indicating<br><br> Parliament has to have a final say on this, based on<br><br> alleged security ramifications posed by this new Thin-Sim<br><br> Technology.. It is claimed that it's prone to<br> hacks,<br><br> attacks, DoS etc.. and "will erode significantly<br> the<br><br> gains achieved so far in mobile money market.."<br> Anyone<br><br> with any idea where the technology currently implemented<br><br> - <br><br> Harry<br><br> On Tue, Sep 16, 2014 at<br><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><br> wrote:<br><br> Mpesa succeeds<br><br> primarily because of a strong distribution network. IMO<br><br> Equity have the existing clientele and the resources to<br><br> offer a product that can genuinely challenge<br><br> Safaricom.<br><br> On 16 Sep 2014, at 20:11, "Ahmed Mohamed<br><br> Maawy via kictanet" <<a href="mailto:kictanet@lists.kictanet.or.ke" target="_blank">kictanet@lists.kictanet.or.ke</a>><br><br> wrote:<br><br><br><br> With Ali on this one. Mobile<br><br> Money is a gone case in Kenya. If Equity is really<br> providing<br><br> a value add service then its not through its mobile<br><br> platform. Airtel, Yu and Orange all have far cheaper<br> mobile<br><br> money services. If there was a service that would be the<br><br> first to topple M-Pesa it would have been Airtel Money.<br><br> Heck, Airtel even offers cheaper call rates from Airtel<br> to<br><br> Safaricom than from Safaricom to Safaricom and they still<br><br> are not getting customers. Did I mention their network<br><br> coverage is even stronger?<br><br><br><br> And what would Equity need to do? Set up masts<br><br> in as far as Kitui, or as far as Maralal, or as far as<br><br> Isiolo? Theres a lot of work to be done before Equity<br><br> becomes a service provider to even match the least<br><br> established provider there is. They would be better off<br><br> working with Yu mobile than working even against<br> Safaricom.<br><br> No offence.<br><br><br><br> So the business<br><br> here is in the value add services, which is where mobile<br><br> commerce comes in. What is done is done, the value add is<br><br> what is the worth for now. Not the competition. Because<br><br> competition already exists, no sense saturating it<br><br> further.<br><br><br><br> On Tue, Sep 16, 2014 at<br><br> 7:57 PM, McTim via kictanet <<a href="mailto:kictanet@lists.kictanet.or.ke" target="_blank">kictanet@lists.kictanet.or.ke</a>><br><br> wrote:<br><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><br><br> Does anyone know which<br><br> network Equity is 'virtual" on?<br><br><br><br> rgds,<br><br><br><br> McTim<br><br><br><br> On Tue, Sep 16,<br><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><br> wrote:<br><br> resting<br><br> discussion on where mobile baking is going....<br><br> With<br><br> best wishes,<br><br> Sophia<br><br><br><br> Support our "YES" to<br><br> .africa Campaign!<br><br> <a href="http://www.dotconnectafrica.orgFollow" target="_blank">www.dotconnectafrica.orgFollow</a> us on twitter<br> and facebookEmail us at: <a href="mailto:yes2dotafrica@dotconnectafrica.org" target="_blank">yes2dotafrica@dotconnectafrica.org</a><br><br> Visit our<br><br> press room<br><br> - Nobody believes the<br><br> official spokesman...but everybody trusts an unidentified<br><br> source. -Ron<br><br> Nesen<br><br> - They stole without hiding because their<br><br> father is the chief of police -GR<br><br> ------------------------------------------------------------------------------------------------------Sophia<br> Bekele<br><br> (Ms), BS, MBA, C.I.S.A, C.C.S, CGEIT, CBS<br><br> International, Inc ,Ca, USA/Africa <a href="tel:%2B1%20925-935-1589" target="_blank">+1 925-935-1589</a>:US<br> Tel;<a href="tel:%2B1%20925-818-4322" target="_blank">+1 925-818-4322</a>:US cell; <a href="tel:%2B251-91-120-1449" target="_blank">+251-91-120-1449</a> :ET;<br><br> +254-703-250 969 Kenya Tel; +254-73695-7584<br><br> Cell, skype:<br><br> sbekele, Bing:"sophia<br><br> bekele"PRIVILEGED AND<br><br> CONFIDENTIAL COMMUNICATION<br><br> NOTICE. The information<br><br> contained in this email message is legally privileged and<br><br> confidential, and is intended solely for the uses of the<br><br> addressee. Any unauthorized dissemination,distribution <br> or<br><br> copying of this email is expressly prohibited. If you<br> have<br><br> received this email message in error, please notify the<br><br> sender immediately and delete this message and any<br><br> attachments. Thank<br><br> you.<br><br><br><br><br><br> On Tuesday, September<br><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><br> wrote:<br><br><br><br><br><br><br><br><br><br><br><br> @Walu<br><br> Lets wait and see...Many have<br><br> written off Safaricom before. What I'm loving<br><br> about this discussion though is the elephant in the room.<br> I<br><br> believe Kenyans are waiting for the next big thing. This<br><br> mobile money thing has been hyped and flogged until its<br><br> dead. The next big thing is mobile commerce. <br><br> And I don't mean the 'Lipa<br><br> na Mpesa' variety. <br><br> I mean real m-commerce enablement -<br><br> SME supply chain financing, invoice discounting etc.<br><br> That's where the future is and that's why the KCB<br><br> tie up is interesting. My only concern with that is that<br><br> most banks (fortunately for Safaricom) are old school<br><br> thinkers unwilling to venture into the<br><br> unknown. <br><br> This ship<br><br> hasn't sailed yet. It remains to be seen who will be<br> at<br><br> the helm.<br><br> Ali<br><br> Hussein<br><br> <a href="tel:%2B254%20770%20906375" target="_blank">+254 770 906375</a> / 0713<br><br> 601113<br><br> Twitter:<br><br> @AliHKassimSkype:<br><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><br><br> "I fear the day<br><br> technology will surpass human interaction. The world will<br><br> have a generation of idiots". ~ Albert<br><br> Einstein<br><br> Sent<br><br> from my iPad<br><br> On Sep 16,<br><br> 2014, at 5:31 PM, Walubengo J <<a href="mailto:jwalu@yahoo.com" target="_blank">jwalu@yahoo.com</a>><br><br> wrote:<br><br><br><br> @Ali,<br><br><br><br> Equity is<br><br> not just after Safaricom lunch, they are after their<br> dinner<br><br> as well :-).<br><br><br><br> This thin-SIM technology will do what<br><br> Number Portability failed to do. People are likely to<br><br> "Vooka" onto Equity (cheaper) voice services<br><br> without having to buy two phones or dual-SIM phones.<br><br> Equity mobile money value proposition, will have the<br><br> side-effect of knock the breath out of Safaricom's<br> voice<br><br> revenues...fortunately, Safcom can see this, and they are<br><br> not taking it kindly :-)<br><br><br><br> We are<br><br> indeed living in very interesting times in .Ke<br><br><br><br> walu.<br><br> --------------------------------------------<br><br> On Tue, 9/16/14, Ali Hussein via kictanet<br><br> <<a href="mailto:kictanet@lists.kictanet.or.ke" target="_blank">kictanet@lists.kictanet.or.ke</a>><br><br> wrote:<br><br><br><br> Subject: Re: [kictanet] Equity Bank vs<br><br> Safaricom :-Round 2<br><br> To: <a href="mailto:jwalu@yahoo.com" target="_blank">jwalu@yahoo.com</a><br><br> Date: Tuesday, September 16, 2014, 3:18<br><br> PM<br><br><br><br> Collins <br><br><br><br> Well put. <br><br> Walu, <br><br> I'm keen to understand how<br><br> a<br><br> technology which is a<br><br> commodity ( read here that Safaricom<br><br> can also implement the same technology)<br><br> can usurp<br><br> Safaricom's<br><br> unassailable lead in this<br><br><br><br> space.<br><br> What's my<br><br> point? <br><br><br><br> Technology is<br><br> an accelerator<br><br> and NOT The Strategy in itself. Assume first<br><br> that what you can access in the open<br><br> market (as opposed to<br><br><br><br> restricted<br><br> technology under patent) your competitors can do<br><br> so too. We usually forget this but MPesa<br><br> isn't even the<br><br> best mobile<br><br> technology in the country. Not even by a long<br><br> short! They managed to capture their<br><br> base through first<br><br> mover<br><br> advantage and a positioning statement that was<br><br> apparently well received by Kenyans. And<br><br> of course there is<br><br> the Network<br><br> Effect of being ubiquitous in the<br><br> space.<br><br><br><br> Equity needs to<br><br> execute with<br><br> excellence and not depend on the Technology to<br><br> take on Safaricom.<br><br> Needless to say I would love to be<br><br> a<br><br> fly on the wall in the<br><br> strategy sessions currently going on<br><br><br><br> in both companies. Careers will be made or broken<br><br> on<br><br> this..no doubt about<br><br> that.<br><br> Ali<br><br> Hussein<br><br><br><br> +254 770<br><br> 906375 / 0713<br><br> 601113<br><br> Twitter:<br><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><br><br> "I<br><br> fear the day<br><br> technology will<br><br> surpass human interaction. The world will<br><br> have a generation of idiots". ~<br><br> Albert<br><br> Einstein<br><br> Sent from my iPad<br><br> On Sep<br><br> 16,<br><br> 2014, at 1:06 PM, Collins<br><br> Areba via kictanet <<a href="mailto:kictanet@lists.kictanet.or.ke" target="_blank">kictanet@lists.kictanet.or.ke</a>><br><br> wrote:<br><br><br><br> "We<br><br> are glad<br><br> to use this platform<br><br> to deliver an extension service to our<br><br> customers, It is our heartfelt desire to<br><br> satisfy our<br><br> customers first,<br><br> and if technology affords us that<br><br> opportunity, we are obliged to take up<br><br> on it. If the same<br><br> technology<br><br> should allow us to interact with our customers,<br><br> and have an opportunity to give them<br><br> voice and data<br><br> in the same<br><br> breath, then why not, those would be extras<br><br> to<br><br> the benefit of our<br><br> client... "<br><br><br><br> Paraphrased from memory during<br><br> an<br><br> interview on Citizen last<br><br> week. I think this opens the game<br><br> wide Open, and For the Record, Safaricom<br><br> should be given a<br><br> Commercial<br><br> Banking license.<br><br><br><br> My 10 Cents.<br><br><br><br> On Tue,<br><br> Sep 16, 2014 at<br><br> 12:06 PM,<br><br> Walubengo J via kictanet <<a href="mailto:kictanet@lists.kictanet.or.ke" target="_blank">kictanet@lists.kictanet.or.ke</a>><br><br> wrote:<br><br><br><br> Listers,<br><br><br><br><br><br><br><br> I thought you might find this<br><br> interesting,<br><br><br><br><br><br><br><br> ----------------<br><br><br><br> After<br><br> Equity Bank decided to directly play in the mobile<br><br> money market by issuing its own SIM<br><br> cards, we debated<br><br> heatedly in<br><br> a previous blog whether Safaricom had finally<br><br> met its match. At the time, it was<br><br> assumed that Equity<br><br> would be<br><br> selling the traditional SIM card, which would<br><br> require customers to either buy dual<br><br> SIM-card phones or<br><br> carry two<br><br> phones in order to access services from two<br><br> existing providers.<br><br><br><br><br><br><br><br> Even<br><br> within the inconvenient scenario above, Equity with<br><br> its<br><br> large customer base was<br><br> bound to pose some significant<br><br><br><br> competition to the leading mobile money provider<br><br> Safaricom. The surprise, it seems, is<br><br> the secret weapon<br><br> Equity<br><br> unveiled recently in the form of a Thin-SIM<br><br> Card....<br><br><br><br><br><br> ------<br><br><br><br> Read more @<br><br><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><br><br><br><br><br><br><br><br><br><br><br><br><br><br><br><br><br><br><br><br><br> _______________________________________________<br><br><br><br> kictanet<br><br> mailing list<br><br><br><br> <a href="mailto:kictanet@lists.kictanet.or.ke" target="_blank">kictanet@lists.kictanet.or.ke</a><br><br><br><br> <a href="https://lists.kictanet.or.ke/mailman/listinfo/kictanet" target="_blank">https://lists.kictanet.or.ke/mailman/listinfo/kictanet</a><br><br><br><br><br><br><br><br><br><br> Unsubscribe or change your options at <a href="https://lists.kictanet.or.ke/mailman/options/kictanet/arebacollins%40gmail.com" target="_blank">https://lists.kictanet.or.ke/mailman/options/kictanet/arebacollins%40gmail.com</a><br><br><br><br><br><br><br><br> The Kenya<br><br> ICT Action Network (KICTANet) is a<br><br> multi-stakeholder platform for people<br><br> and institutions<br><br> interested<br><br> and involved in ICT policy and regulation. The<br><br> network aims to act as a catalyst for<br><br> reform in the ICT<br><br> sector in<br><br> support of the national aim of ICT enabled growth<br><br> and development.<br><br><br><br><br><br><br><br><br><br> KICTANetiquette : Adhere to the same standards of<br><br> acceptable<br><br> behaviors online<br><br> that you follow in real life: respect<br><br> people's times and bandwidth, share<br><br> knowledge, don't<br><br> flame or<br><br> abuse or personalize, respect privacy, do not<br><br> spam,<br><br> do not market your wares<br><br> or qualifications.<br><br><br><br><br><br><br><br><br><br> --<br><br><br><br> Regards,<br><br><br><br> Collins<br><br> Areba,<br><br> P.O Box 44441,<br><br> 00100<br><br> Nairobi, Kenya.<br><br><br><br> Tel: +254 707 750 788 / 720<br><br> 516<br><br> 758<br><br><br><br> Twitter: @arebacollins.<br><br><br><br> Skype: arebacollins<br><br><br><br><br><br><br><br> _______________________________________________<br><br> kictanet mailing list<br><br> <a href="mailto:kictanet@lists.kictanet.or.ke" target="_blank">kictanet@lists.kictanet.or.ke</a><br><br> <a href="https://lists.kictanet.or.ke/mailman/listinfo/kictanet" target="_blank">https://lists.kictanet.or.ke/mailman/listinfo/kictanet</a><br><br><br><br><br><br> Unsubscribe<br><br> or change your<br><br> options at <a href="https://lists.kictanet.or.ke/mailman/options/kictanet/info%40alyhussein.com" target="_blank">https://lists.kictanet.or.ke/mailman/options/kictanet/info%40alyhussein.com</a><br><br><br><br> The<br><br> Kenya<br><br> ICT Action Network<br><br> (KICTANet) is a multi-stakeholder<br><br> platform for people and institutions<br><br> interested and involved<br><br> in ICT<br><br> policy and regulation. The network aims to act as<br><br> a<br><br> catalyst for reform in the<br><br> ICT sector in support of the<br><br><br><br> national aim of ICT enabled growth and<br><br> development.<br><br><br><br><br><br> KICTANetiquette : Adhere to the same<br><br> standards of acceptable behaviors online<br><br> that you follow in<br><br> real life:<br><br> respect people's times and bandwidth,<br><br> share<br><br> knowledge, don't<br><br> flame or abuse or personalize, respect<br><br> privacy, do not spam, do not market your<br><br> wares or<br><br><br><br> qualifications.<br><br> -----Inline<br><br> Attachment Follows-----<br><br><br><br><br><br> _______________________________________________<br><br> kictanet mailing list<br><br> <a href="mailto:kictanet@lists.kictanet.or.ke" target="_blank">kictanet@lists.kictanet.or.ke</a><br><br> <a href="https://lists.kictanet.or.ke/mailman/listinfo/kictanet" target="_blank">https://lists.kictanet.or.ke/mailman/listinfo/kictanet</a><br><br><br><br><br><br> Unsubscribe or change your<br><br><br><br> options at <a href="https://lists.kictanet.or.ke/mailman/options/kictanet/jwalu%40yahoo.com" target="_blank">https://lists.kictanet.or.ke/mailman/options/kictanet/jwalu%40yahoo.com</a><br><br><br><br> The Kenya<br><br> ICT Action Network<br><br> (KICTANet)<br><br> is a multi-stakeholder platform for people and<br><br> institutions interested and involved in<br><br> ICT policy and<br><br> regulation. The<br><br> network aims to act as a catalyst for reform<br><br> in the ICT sector in support of the<br><br> national aim of ICT<br><br> enabled<br><br> growth and development.<br><br><br><br><br><br> KICTANetiquette : Adhere to the same standards<br><br> of acceptable behaviors online that you<br><br> follow in real life:<br><br> respect<br><br> people's times<br><br> and bandwidth, share knowledge,<br><br> don't flame or abuse or personalize,<br><br> respect privacy, do<br><br> not spam,<br><br> do not market your wares or<br><br><br><br> qualifications.<br><br><br><br> _______________________________________________<br><br> kictanet mailing list<br><br> <a href="mailto:kictanet@lists.kictanet.or.ke" target="_blank">kictanet@lists.kictanet.or.ke</a><br><br> <a href="https://lists.kictanet.or.ke/mailman/listinfo/kictanet" target="_blank">https://lists.kictanet.or.ke/mailman/listinfo/kictanet</a><br><br><br><br> Unsubscribe or<br><br> change your options at <a href="https://lists.kictanet.or.ke/mailman/options/kictanet/sophiabekele%40yahoo.com" target="_blank">https://lists.kictanet.or.ke/mailman/options/kictanet/sophiabekele%40yahoo.com</a><br><br><br><br> The Kenya ICT Action Network<br><br> (KICTANet) is a multi-stakeholder platform for people and<br><br> institutions interested and involved in ICT policy and<br><br> regulation. The network aims to act as a catalyst for<br> reform<br><br> in the ICT sector in support of the national aim of ICT<br><br> enabled growth and development.<br><br><br><br> KICTANetiquette : Adhere to the same standards<br><br> of acceptable behaviors online that you follow in real<br> life:<br><br> respect people's times and bandwidth, share<br> knowledge,<br><br> don't flame or abuse or personalize, respect privacy,<br> do<br><br> not spam, do not market your wares or<br><br> qualifications.<br><br><br><br><br><br><br><br> _______________________________________________<br><br><br><br> kictanet mailing list<br><br><br><br> <a href="mailto:kictanet@lists.kictanet.or.ke" target="_blank">kictanet@lists.kictanet.or.ke</a><br><br><br><br> <a href="https://lists.kictanet.or.ke/mailman/listinfo/kictanet" target="_blank">https://lists.kictanet.or.ke/mailman/listinfo/kictanet</a><br><br><br><br><br><br><br><br> Unsubscribe or change your options at <a href="https://lists.kictanet.or.ke/mailman/options/kictanet/dogwallah%40gmail.com" target="_blank">https://lists.kictanet.or.ke/mailman/options/kictanet/dogwallah%40gmail.com</a><br><br><br><br><br><br><br><br> The Kenya ICT Action Network (KICTANet) is a<br><br> multi-stakeholder platform for people and institutions<br><br> interested and involved in ICT policy and regulation. The<br><br> network aims to act as a catalyst for reform in the ICT<br><br> sector in support of the national aim of ICT enabled<br> growth<br><br> and development.<br><br><br><br><br><br><br><br> KICTANetiquette : Adhere to the same standards of<br> acceptable<br><br> behaviors online that you follow in real life: respect<br><br> people's times and bandwidth, share knowledge,<br> don't<br><br> flame or abuse or personalize, respect privacy, do not<br> spam,<br><br> do not market your wares or qualifications.<br><br><br><br><br><br><br><br> --<br><br> Cheers,<br><br><br><br> McTim<br><br> "A name indicates<br><br> what we seek. An address indicates where it is. A route<br><br> indicates how we get there." Jon Postel<br><br><br><br><br><br> _______________________________________________<br><br><br><br> kictanet mailing list<br><br><br><br> <a href="mailto:kictanet@lists.kictanet.or.ke" target="_blank">kictanet@lists.kictanet.or.ke</a><br><br><br><br> <a href="https://lists.kictanet.or.ke/mailman/listinfo/kictanet" target="_blank">https://lists.kictanet.or.ke/mailman/listinfo/kictanet</a><br><br><br><br><br><br><br><br> Unsubscribe or change your options at <a href="https://lists.kictanet.or.ke/mailman/options/kictanet/ultimateprogramer%40gmail.com" target="_blank">https://lists.kictanet.or.ke/mailman/options/kictanet/ultimateprogramer%40gmail.com</a><br><br><br><br><br><br><br><br> The Kenya ICT Action Network (KICTANet) is a<br><br> multi-stakeholder platform for people and institutions<br><br> interested and involved in ICT policy and regulation. The<br><br> network aims to act as a catalyst for reform in the ICT<br><br> sector in support of the national aim of ICT enabled<br> growth<br><br> and development.<br><br><br><br><br><br><br><br> KICTANetiquette : Adhere to the same standards of<br> acceptable<br><br> behaviors online that you follow in real life: respect<br><br> people's times and bandwidth, share knowledge,<br> don't<br><br> flame or abuse or personalize, respect privacy, do not<br> spam,<br><br> do not market your wares or qualifications.<br><br><br><br><br><br><br><br> --<br><br> Ahmed Maawy<br><br> Shaper - Global<br><br> Shapers<br><br> Executive Director - M-Power<br><br> (CBO)<br><br> Ambassador - Open Knowledge<br><br> CTO - D8A, Appfrica Labs<br><br> (KE)<br><br> +254 714 960 627<br><br> Skype: ultimateprogramer<br><br><br><br> <a href="http://www.globalshapers.org" target="_blank">www.globalshapers.org</a><br><br> <a href="http://www.okfn.org" target="_blank">www.okfn.org</a><br><br> <a href="http://www.d8a.com" target="_blank">www.d8a.com</a><br><br> <a href="http://www.appfrica.com" target="_blank">www.appfrica.com</a><br><br> <a href="http://www.apps4africa.org" target="_blank">www.apps4africa.org</a><br><br><br><br> _______________________________________________<br><br> kictanet mailing list<br><br> <a href="mailto:kictanet@lists.kictanet.or.ke" target="_blank">kictanet@lists.kictanet.or.ke</a><br><br> <a href="https://lists.kictanet.or.ke/mailman/listinfo/kictanet" target="_blank">https://lists.kictanet.or.ke/mailman/listinfo/kictanet</a><br><br><br><br> Unsubscribe or change your<br><br> options at <a href="https://lists.kictanet.or.ke/mailman/options/kictanet/mkipyegon%40outlook.com" target="_blank">https://lists.kictanet.or.ke/mailman/options/kictanet/mkipyegon%40outlook.com</a><br><br><br><br> The Kenya ICT Action Network (KICTANet)<br><br> is a multi-stakeholder platform for people and<br> institutions<br><br> interested and involved in ICT policy and regulation. The<br><br> network aims to act as a catalyst for reform in the ICT<br><br> sector in support of the national aim of ICT enabled<br> growth<br><br> and development.<br><br><br><br> KICTANetiquette : Adhere to the same<br><br> standards of acceptable behaviors online that you follow<br> in<br><br> real life: respect people's times and bandwidth,<br> share<br><br> knowledge, don't flame or abuse or personalize,<br> respect<br><br> privacy, do not spam, do not market your wares or<br><br> qualifications.<br><br> _______________________________________________<br><br><br><br> kictanet mailing list<br><br><br><br> <a href="mailto:kictanet@lists.kictanet.or.ke" target="_blank">kictanet@lists.kictanet.or.ke</a><br><br><br><br> <a href="https://lists.kictanet.or.ke/mailman/listinfo/kictanet" target="_blank">https://lists.kictanet.or.ke/mailman/listinfo/kictanet</a><br><br><br><br><br><br><br><br> Unsubscribe or change your options at <a href="https://lists.kictanet.or.ke/mailman/options/kictanet/harry26001%40gmail.com" target="_blank">https://lists.kictanet.or.ke/mailman/options/kictanet/harry26001%40gmail.com</a><br><br><br><br><br><br><br><br> The Kenya ICT Action Network (KICTANet) is a<br><br> multi-stakeholder platform for people and institutions<br><br> interested and involved in ICT policy and regulation. The<br><br> network aims to act as a catalyst for reform in the ICT<br><br> sector in support of the national aim of ICT enabled<br> growth<br><br> and development.<br><br><br><br><br><br><br><br> KICTANetiquette : Adhere to the same standards of<br> acceptable<br><br> behaviors online that you follow in real life: respect<br><br> people's times and bandwidth, share knowledge,<br> don't<br><br> flame or abuse or personalize, respect privacy, do not<br> spam,<br><br> do not market your wares or qualifications.<br><br><br><br><br><br> -----Inline Attachment Follows-----<br><br><br><br> _______________________________________________<br><br> kictanet mailing list<br><br> <a href="mailto:kictanet@lists.kictanet.or.ke" target="_blank">kictanet@lists.kictanet.or.ke</a><br><br> <a href="https://lists.kictanet.or.ke/mailman/listinfo/kictanet" target="_blank">https://lists.kictanet.or.ke/mailman/listinfo/kictanet</a><br><br><br><br> Unsubscribe or change your<br><br> options at <a href="https://lists.kictanet.or.ke/mailman/options/kictanet/jwalu%40yahoo.com" target="_blank">https://lists.kictanet.or.ke/mailman/options/kictanet/jwalu%40yahoo.com</a><br><br><br><br> The Kenya ICT Action Network<br><br> (KICTANet) is a multi-stakeholder platform for people and<br><br> institutions interested and involved in ICT policy and<br><br> regulation. The network aims to act as a catalyst for<br> reform<br><br> in the ICT sector in support of the national aim of ICT<br><br> enabled growth and development.<br><br><br><br> KICTANetiquette : Adhere to the same standards<br><br> of acceptable behaviors online that you follow in real<br> life:<br><br> respect people's times and bandwidth, share<br> knowledge,<br><br> don't flame or abuse or personalize, respect privacy,<br> do<br><br> not spam, do not market your wares or<br><br> qualifications.<br><br><br><br> _______________________________________________<br><br> kictanet mailing list<br><br> <a href="mailto:kictanet@lists.kictanet.or.ke" target="_blank">kictanet@lists.kictanet.or.ke</a><br><br> <a href="https://lists.kictanet.or.ke/mailman/listinfo/kictanet" target="_blank">https://lists.kictanet.or.ke/mailman/listinfo/kictanet</a><br><br><br><br> Unsubscribe or change your options at <a href="https://lists.kictanet.or.ke/mailman/options/kictanet/arebacollins%40gmail.com" target="_blank">https://lists.kictanet.or.ke/mailman/options/kictanet/arebacollins%40gmail.com</a><br><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><br><br> --<br> Regards,<br><br> Collins Areba,<br> P.O Box 44441, 00100<br> Nairobi, Kenya.<br> Tel: +254 707 750 788 / 720 516 758<br> Twitter: @arebacollins.<br> Skype: arebacollins<br><br><br><br> _______________________________________________<br><br> kictanet mailing list<br><br> <a href="mailto:kictanet@lists.kictanet.or.ke" target="_blank">kictanet@lists.kictanet.or.ke</a><br><br> <a href="https://lists.kictanet.or.ke/mailman/listinfo/kictanet" target="_blank">https://lists.kictanet.or.ke/mailman/listinfo/kictanet</a><br><br><br><br> Unsubscribe or change your options at <a href="https://lists.kictanet.or.ke/mailman/options/kictanet/martingicheru%40gmail.com" target="_blank">https://lists.kictanet.or.ke/mailman/options/kictanet/martingicheru%40gmail.com</a><br><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><br><br> --<br> with Regards:<br> <a href="http://blog.denniskioko.com" target="_blank">blog.denniskioko.com</a><br><br><br><br> _______________________________________________<br><br> kictanet mailing list<br><br> <a href="mailto:kictanet@lists.kictanet.or.ke" target="_blank">kictanet@lists.kictanet.or.ke</a><br><br> <a href="https://lists.kictanet.or.ke/mailman/listinfo/kictanet" target="_blank">https://lists.kictanet.or.ke/mailman/listinfo/kictanet</a><br><br><br><br> Unsubscribe or change your options at <a href="https://lists.kictanet.or.ke/mailman/options/kictanet/arebacollins%40gmail.com" target="_blank">https://lists.kictanet.or.ke/mailman/options/kictanet/arebacollins%40gmail.com</a><br><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><br> --<br> Regards,<br><br> Collins Areba,<br> P.O Box 44441, 00100<br> Nairobi, Kenya.<br> Tel: +254 707 750 788 / 720 516 758<br> Twitter: @arebacollins.<br> Skype: arebacollins<br><br><br><br> _______________________________________________<br><br> kictanet mailing list<br><br> <a href="mailto:kictanet@lists.kictanet.or.ke" target="_blank">kictanet@lists.kictanet.or.ke</a><br><br> <a href="https://lists.kictanet.or.ke/mailman/listinfo/kictanet" target="_blank">https://lists.kictanet.or.ke/mailman/listinfo/kictanet</a><br><br><br><br> Unsubscribe or change your options at <a href="https://lists.kictanet.or.ke/mailman/options/kictanet/martingicheru%40gmail.com" target="_blank">https://lists.kictanet.or.ke/mailman/options/kictanet/martingicheru%40gmail.com</a><br><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><br> _______________________________________________<br> kictanet mailing list<br> <a href="mailto:kictanet@lists.kictanet.or.ke" target="_blank">kictanet@lists.kictanet.or.ke</a><br> <a href="https://lists.kictanet.or.ke/mailman/listinfo/kictanet" target="_blank">https://lists.kictanet.or.ke/mailman/listinfo/kictanet</a><br><br> Unsubscribe or change your options at <a href="https://lists.kictanet.or.ke/mailman/options/kictanet/jwalu%40yahoo.com" target="_blank">https://lists.kictanet.or.ke/mailman/options/kictanet/jwalu%40yahoo.com</a><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> 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 flame<br> or abuse or personalize, respect privacy, do not spam, do<br> not market your wares or qualifications.<br><br>_______________________________________________<br>kictanet mailing list<br><a href="mailto:kictanet@lists.kictanet.or.ke" target="_blank">kictanet@lists.kictanet.or.ke</a><br><a href="https://lists.kictanet.or.ke/mailman/listinfo/kictanet" target="_blank">https://lists.kictanet.or.ke/mailman/listinfo/kictanet</a><br><br>Unsubscribe or change your options at <a href="https://lists.kictanet.or.ke/mailman/options/kictanet/harry26001%40gmail.com" target="_blank">https://lists.kictanet.or.ke/mailman/options/kictanet/harry26001%40gmail.com</a><br><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.<o:p></o:p></span></p></div></div></div><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span lang=EN-GB> <o:p></o:p></span></p></div></div></div><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span lang=EN-GB><br>_______________________________________________<br>kictanet mailing list<br><a href="mailto:kictanet@lists.kictanet.or.ke" target="_blank">kictanet@lists.kictanet.or.ke</a><br><a href="https://lists.kictanet.or.ke/mailman/listinfo/kictanet" target="_blank">https://lists.kictanet.or.ke/mailman/listinfo/kictanet</a><br><br>Unsubscribe or change your options at <a href="https://lists.kictanet.or.ke/mailman/options/kictanet/kiarietony%40gmail.com" target="_blank">https://lists.kictanet.or.ke/mailman/options/kictanet/kiarietony%40gmail.com</a><br><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.<o:p></o:p></span></p></div><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span lang=EN-GB> <o:p></o:p></span></p></div><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span lang=EN-GB> <o:p></o:p></span></p><div class=MsoNormal align=center style='text-align:center'><strong><span lang=EN-GB><hr size=2 width="100%" align=center></span></strong></div><p style='line-height:115%'><span lang=EN-GB><img border=0 id="_x0000_i1026" src="http://bernsoft.com/img/logo.jpg"></span><span lang=EN-GB style='font-size:9.0pt;line-height:115%;font-family:"Georgia","serif";background:white'><br><br>This e-mail and any attachments may contain information that is confidential, legally privileged and protected by law and is intended for the sole use of the named recipient(s). 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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.<o:p></o:p></span></p></div></blockquote></div></div></div><p class=MsoNormal><span lang=EN-GB><o:p> </o:p></span></p><div class=MsoNormal align=center style='text-align:center'><span lang=EN-GB><hr size=2 width="100%" align=center></span></div><p class=MsoNormal style='margin-bottom:12.0pt'><span lang=EN-GB style='font-family:"Arial","sans-serif";color:gray'>IMPORTANT NOTICE:<br><br>This e-mail message and any attachments are intended to be received only by persons entitled to receive the confidential information it may contain. 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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.<o:p></o:p></p></div><p class=MsoNormal><o:p> </o:p></p></div></div></body></html>