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<body class='hmmessage'><div dir='ltr'>@ Victor, <div><br></div><div>The heading of this article says the 'house team halts..." while <span style="color: rgb(128, 128, 128); font-family: Georgia, 'ITC Century W01 Light'; font-size: 16.6666679382324px; line-height: 25px;"> </span>the body of the story has "has asked CA to halt..." It might be semantics but my interpretation of this is that this is a request to CA, and not a directive. Yes?<div><br></div><div>Tell me, does the house team have oversight over regulatory matters? I am looking at KICA 2013 Article 5 on CA's independence:</div><div><br></div><div><div>5A. (1) The Authority shall be independent</div><div>and free of control by government, political or</div><div>commercial interests in the exercise of its</div><div>powers and in the performance of its functions.</div><div><br></div><div>(2) In fulfilling its mandate, the Authority</div><div>shall be guided by the national values and</div><div>principles of governance in Article 10 and the</div><div>values and principles of public service in Article</div><div>232 (1) of the Constitution.</div></div><div><br></div><div>What would happen say if CA disregards the House team's demand?</div><div><div><br></div><div>Rgds</div><div>GG</div><div><br><div><hr id="stopSpelling">Date: Wed, 24 Sep 2014 11:54:17 +0100<br>Subject: Re: [kictanet] Equity Given Go Ahead by CAK<br>From: kictanet@lists.kictanet.or.ke<br>To: ggithaiga@hotmail.com<br><br><div dir="ltr">The tables have turned again: <div><br></div><div><b>House team halts Equity Bank's thin-SIM rollout</b></div><div><br></div><div>The National Assembly�s Energy and ICT Committee has asked the Communications Authority (CA) to halt Equity Bank thin-SIM card rollout until it is satisfied of the security of the technology.<br></div><div><br></div><div><a href="http://www.nation.co.ke/news/politics/House-team-halts-Equity-Bank-thin-SIM-rollout/-/1064/2463762/-/2srp37/-/index.html" target="_blank">http://www.nation.co.ke/news/politics/House-team-halts-Equity-Bank-thin-SIM-rollout/-/1064/2463762/-/2srp37/-/index.html</a><br></div></div><div class="ecxgmail_extra"><br clear="all"><div><div dir="ltr"><div><span style="color:rgb(102,102,102);font-family:tahoma,sans-serif;">Victor Kapiyo, LL.B</span></div><font face="tahoma, sans-serif" color="#666666"><br>====================================================<br><i>�Your attitude, not your aptitude, will determine your altitude� Zig Ziglar</i></font><br></div></div>
<br><div class="ecxgmail_quote">On 22 September 2014 18:49, Martin Gicheru 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="ecxgmail_quote" style="border-left:1px #ccc solid;padding-left:1ex;"><div dir="ltr"><span style="color:rgb(75,75,75);font-family:'PT Sans',sans-serif;font-size:14px;line-height:21px;">Safaricom does not necessarily agree to the move but will cooperate while it still needs to.</span><br><div><br></div><div><span style="color:rgb(75,75,75);font-family:'PT Sans',sans-serif;font-size:14px;line-height:21px;">�We are particularly encouraged that CA has commenced the process of hiring an independent and reputable international firm to conduct a security audit on all SIM cards, and in particular the use of the SIM overlay technology in mobile money transfer services. We therefore implore the CA to fast track the security review and to publish the guidelines in the interests of protecting consumers and financial institutions who will remain vulnerable to the potential risks created by the �man-in-the-middle attack�. � </span><br></div><div><span style="color:rgb(75,75,75);font-family:'PT Sans',sans-serif;font-size:14px;line-height:21px;"><br></span></div><div><span style="color:rgb(75,75,75);font-family:'PT Sans',sans-serif;font-size:14px;line-height:21px;"><a href="http://techmoran.com/safaricom-remains-adamant-thin-sim-vulnerabilities/" target="_blank">http://techmoran.com/safaricom-remains-adamant-thin-sim-vulnerabilities/</a></span><span style="color:rgb(75,75,75);font-family:'PT Sans',sans-serif;font-size:14px;line-height:21px;"><br></span></div></div><div class="ecxgmail_extra"><br><div class="ecxgmail_quote"><div><div class="h5">On Mon, Sep 22, 2014 at 6:36 PM, Bernard Kioko via kictanet <span dir="ltr"><<a href="mailto:kictanet@lists.kictanet.or.ke" target="_blank">kictanet@lists.kictanet.or.ke</a>></span> wrote:<br></div></div><blockquote class="ecxgmail_quote" style="border-left:1px #ccc solid;padding-left:1ex;"><div><div class="h5">Change is the only permanent thing!<br>
<div><div><br>
-----Original Message-----<br>
From: kictanet<br>
[mailto:<a href="mailto:kictanet-bounces%2Bbkioko" target="_blank">kictanet-bounces+bkioko</a>=<a href="mailto:bernsoft.com@lists.kictanet.or.ke" target="_blank">bernsoft.com@lists.kictanet.or.ke</a>] On Behalf<br>
Of Walubengo J via kictanet<br>
Sent: Monday, September 22, 2014 6:30 PM<br>
To: <a href="mailto:bkioko@bernsoft.com" target="_blank">bkioko@bernsoft.com</a><br>
Subject: Re: [kictanet] Equity Given Go Ahead by CAK<br>
<br>
@Charles,<br>
<br>
Interesting views. I dont speak for Equity - and am not even a MEMBER<br>
(their customer). However, they have the following going for them.<br>
<br>
1) they do have their OWN SIM card targetting their 8m banking customers.<br>
They can actually make money out their core group of customers using their<br>
mobile virtual network (riding on Airtel telco infrastructure i believe).<br>
2) the thin-SIM technology is just a nice option for their 8m customers AND<br>
the 20+million Safaricom customers.<br>
3) indeed Safcom can play dirty but I am sure they wont because (a) they can<br>
take on Equity challenge and (b) the regulator seems more ready than ever to<br>
pounce on them (recall regulator has been "looking" for them over quality<br>
issues :-).<br>
<br>
Remember, this looks like a mobile money battle, but the real deal is the<br>
collateral damage it is likely to cause in the voice market because once a<br>
Safaricom customer mounts the thin SIM Card and discovers that they can make<br>
cheaper calls/sms with it without losing their MPESA functionality...they<br>
will actually be having their cake (MPESA) while eating it (making Cheaper<br>
calls on the Equity Mobile virtual network).<br>
<br>
Essentially, Equity is breaking a small gap into the Safaricom defensive<br>
wall(MPESA) and once in, even the data-market may eventually be free for all<br>
i.e. #checkmate.<br>
<br>
walu.<br>
<br>
--------------------------------------------<br>
On Mon, 9/22/14, Charles Kimani via kictanet <<a href="mailto:kictanet@lists.kictanet.or.ke" target="_blank">kictanet@lists.kictanet.or.ke</a>><br>
wrote:<br>
<br>
Subject: Re: [kictanet] Equity Given Go Ahead by CAK<br>
To: <a href="mailto:jwalu@yahoo.com" target="_blank">jwalu@yahoo.com</a><br>
Date: Monday, September 22, 2014, 4:44 PM<br>
<br>
I<br>
think the thin sim strategy is brilliant...in theory.<br>
However, I am also<br>
wondering just how wise it is to place the success of your business model<br>
at the mercy of a hostile, powerful and uncooperative business rival. What<br>
if - 6 months after launch, for example - Safaricom decide to upgrade all<br>
their sim cards (genuinely or otherwise) just when Equity is in the middle<br>
of a critical (probably expensive) product rollout? What if Safaricom<br>
customer service and dealer/retail channels start advising subscribers who<br>
are having issues with their lines that the thin sim is the cause of their<br>
problems and show them how to remove it?<br>
How will Equity map their processes<br>
and logistics with the Safaricom SIM replacement processes?<br>
Will Equity subscribers need to remember to make an extra stop at an<br>
Equity outlet to have their thin sim re-attached once they do a sim swap?<br>
How easy is it to attach these thin sims?<br>
We have<br>
previously seen smart sabotage tactics bring down SAB Miller ambitions in<br>
the Kenyan market. Equity - in my opinion - is giving too much firepower to<br>
a determined competitor. It might be cheaper in the long run to just invest<br>
in own SIM and take Safaricom head-on.<br>
Regards,Charles<br>
On Mon, Sep 22, 2014 at<br>
4:18 PM, Dennis Kioko via kictanet <<a href="mailto:kictanet@lists.kictanet.or.ke" target="_blank">kictanet@lists.kictanet.or.ke</a>><br>
wrote:<br>
Meanwhile, I did get the Equitel SIM Card (haven't seen the infamous Thin<br>
SIM). So far, here's my experience with the<br>
same. <a href="http://www.infotake.co.ke/2014/09/how-does-equity-banks-equitel-work.html" target="_blank">http://www.infotake.co.ke/2014/09/how-does-equity-banks-equitel-work.h<br>
tml</a><br>
On 22 September 2014 16:11, Barrack<br>
Otieno via kictanet <<a href="mailto:kictanet@lists.kictanet.or.ke" target="_blank">kictanet@lists.kictanet.or.ke</a>><br>
wrote:<br>
Sometimes<br>
diversification leads to loss of focus. Interesting discussions but let us<br>
see if this scenario will change some of this Principles that have evolved<br>
over time.<br>
<br>
Best Regards<br>
<br>
On Mon, Sep 22,<br>
2014 at 3:56 PM, Bernard Kioko via kictanet <<a href="mailto:kictanet@lists.kictanet.or.ke" target="_blank">kictanet@lists.kictanet.or.ke</a>><br>
wrote:<br>
I have noted media reports<br>
indicating Equity has been granted go-ahead by CAK to operate with<br>
Thin-Sim cards. Game changing I suppose. <br>
<br>
<br>
<br>
<br>
<br>
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