<html><head><meta http-equiv="Content-Type" content="text/html charset=windows-1252"></head><body style="word-wrap: break-word; -webkit-nbsp-mode: space; -webkit-line-break: after-white-space;">Well said Ali. <div><br></div><div>By politicians edging in on this battle, it only undermines CAK, reducing their authority and minimizing their mandate. They’re intimating that the CAK in fact *doesn’t* have the experts in-house to make this decision, which opens up a completely new line of conversation and debate.<br><div apple-content-edited="true">
<div style="color: rgb(0, 0, 0); letter-spacing: normal; orphans: auto; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px; word-wrap: break-word; -webkit-nbsp-mode: space; -webkit-line-break: after-white-space;"><div style="color: rgb(0, 0, 0); letter-spacing: normal; orphans: auto; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px; word-wrap: break-word; -webkit-nbsp-mode: space; -webkit-line-break: after-white-space;"><span style="color: rgb(0, 0, 0); font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: normal; orphans: 2; text-align: -webkit-auto; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-family: helvetica; font-size: 13px; background-color: rgb(255, 255, 255);"><br class="Apple-interchange-newline">-- </span><br style="color: rgb(0, 0, 0); font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: normal; orphans: 2; text-align: -webkit-auto; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-family: helvetica; font-size: 13px; background-color: rgb(255, 255, 255);"><div class="" id="bloop_sign_1377440951142585088" style="color: rgb(0, 0, 0); font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: normal; orphans: 2; text-align: -webkit-auto; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-family: helvetica; font-size: 13px; background-color: rgb(255, 255, 255);">Erik Hersman</div><div class="" id="bloop_sign_1377440951142585088" style="color: rgb(0, 0, 0); font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: normal; orphans: 2; text-align: -webkit-auto; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-family: helvetica; font-size: 13px; background-color: rgb(255, 255, 255);"><a href="http://brck.com/">BRCK</a> |<span style="text-align: -webkit-auto;"> </span><a href="http://ushahidi.com/" style="text-align: -webkit-auto;">Ushahidi</a><span style="text-align: -webkit-auto;"> | </span><a href="http://ihub.co.ke/" style="text-align: -webkit-auto;">iHub</a><span style="text-align: -webkit-auto;"> </span></div><div class="" id="bloop_sign_1377440951142585088" style="color: rgb(0, 0, 0); font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: normal; orphans: 2; text-align: -webkit-auto; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-family: helvetica; font-size: 13px; background-color: rgb(255, 255, 255);"><br></div></div></div>
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<br><div><div>On Sep 26, 2014, at 6:52 AM, Ali Hussein via kictanet <<a href="mailto:kictanet@lists.kictanet.or.ke">kictanet@lists.kictanet.or.ke</a>> wrote:</div><br class="Apple-interchange-newline"><blockquote type="cite"><div dir="auto" style="font-family: Helvetica; font-size: 12px; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: normal; orphans: auto; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px;"><div>Bernard/Cecilia</div><div><br></div><div>Good points especially on the security hullabaloo. Bottomline, companies use all means possible to detract their competitors from the main issues so that they can continue to enjoy market dominance. The Americans have a term for it:-</div><div><br></div><div><b>Wagging the Dog</b>. Unfortunately for Safaricom, Equity is like a bull dog (Pun intended) that refused to let go of the bone. </div><div><br></div><div>Cecilia, the thin SIM gives Equity direct access to all Safaricom customers without the customers having to VUKA or add another SIM Card. Depending on how Equity executes this has the potential of doing what Number Portability was unable to do. And knowing Equity, I have no doubt about their ruthless execution machine. Knowing Safaricom, I also have no doubt about their execution. </div><div><br></div><div>Me? I'm waiting for the string of innovations and cheap services that these Titans will unleash. </div><div><br></div><div>It's a win win for Kenyans. <br><br><div><span><b>Ali Hussein</b></span></div><div><br></div><div style="font-family: Helvetica; font-size: inherit;">+254 770 906375 / 0713 601113</div><div style="font-family: Helvetica; font-size: inherit;"><br></div><div><div style="margin: 0in 0in 0pt;"><span style="background-color: rgba(255, 255, 255, 0);">Twitter: @AliHKassim</span></div><span style="background-color: rgba(255, 255, 255, 0);"><font></font></span><div style="margin: 0in 0in 0pt;"><span style="background-color: rgba(255, 255, 255, 0);">Skype: abu-jomo</span></div><div style="margin: 0in 0in 0pt;"><span style="background-color: rgba(255, 255, 255, 0);">LinkedIn: <a href="http://ke.linkedin.com/in/alihkassim" target="_blank">http://ke.linkedin.com/in/alihkassim</a><a href="http://ke.linkedin.com/in/alihkassim" target="_blank"><span style="text-decoration: none;"></span></a></span></div><span style="background-color: rgba(255, 255, 255, 0);"><font></font></span><p style="margin: 0in 0in 0pt;"></p><font><span style="background-color: rgba(255, 255, 255, 0);">Blog: <a href="http://www.alyhussein.com/" target="_blank">www.alyhussein.com</a></span><br></font></div><div><span><br></span></div><div>"I fear the day technology will surpass human interaction. The world will have a generation of idiots". ~ Albert Einstein</div><div><span><br></span></div>Sent from my iPad</div><div><br>On Sep 25, 2014, at 4:28 PM, Cecilia Nyawira via kictanet <<a href="mailto:kictanet@lists.kictanet.or.ke">kictanet@lists.kictanet.or.ke</a>> wrote:<br><br></div><blockquote type="cite"><div style="background-color: rgb(255, 255, 255); font-family: HelveticaNeue, 'Helvetica Neue', Helvetica, Arial, 'Lucida Grande', sans-serif; font-size: 16px;"><div class=""><span class="">CAK is supposed to be the independent expert that grants licences. What is this 'independent panel of experts' that is 'to be appointed by the house committee' about?<span class="Apple-converted-space"> </span><br></span></div><span class="">From a consumer rights perspective I would rather use Equity than Safcom because lets face it, Safcom is a bank which enjoys non-licence status.<span class="Apple-converted-space"> </span><br>I would ask Equity to go to court and demand on behalf of mobile users that the same scrutiny that is being accorded to them be applied to the current mobile money transfer providers. All banks should also go to court and demand that Safcom acquire a banking lincence. There is a case for it.<br class=""></span><div class="" style="font-size: 16px; font-family: HelveticaNeue, 'Helvetica Neue', Helvetica, Arial, 'Lucida Grande', sans-serif; background-color: transparent; font-style: normal;"><span class="">On the issue at hand, Equity doesn't even need mobile money transfer licensing. Its already a bank and I am sure it can use its already existing licence to pursue its ends.</span></div><div class="" style="font-size: 16px; font-family: HelveticaNeue, 'Helvetica Neue', Helvetica, Arial, 'Lucida Grande', sans-serif; background-color: transparent; font-style: normal;"><span class="">Why does Equity need thin simcards anyway? I tend to think there was a bit of in-the-box thinking here.</span></div><span class=""></span><div class="" style="font-size: 16px; font-family: HelveticaNeue, 'Helvetica Neue', Helvetica, Arial, 'Lucida Grande', sans-serif; background-color: transparent; font-style: normal;"><br class=""><span class=""></span></div><div class="" style="font-size: 16px; font-family: HelveticaNeue, 'Helvetica Neue', Helvetica, Arial, 'Lucida Grande', sans-serif; background-color: transparent; font-style: normal;"><span class="">My two cents. But I am all for clash of the titans.<br></span></div><div class="" style="font-size: 16px; font-family: HelveticaNeue, 'Helvetica Neue', Helvetica, Arial, 'Lucida Grande', sans-serif; background-color: transparent; font-style: normal;"><span class=""><br class="">Cecilia Nyawira, Advocate.<br class=""></span></div><div class="qtdSeparateBR"><br><br></div><div class="yahoo_quoted" style="display: block;"><div class="" style="font-family: HelveticaNeue, 'Helvetica Neue', Helvetica, Arial, 'Lucida Grande', sans-serif; font-size: 16px;"><div class="" style="font-family: HelveticaNeue, 'Helvetica Neue', Helvetica, Arial, 'Lucida Grande', sans-serif; font-size: 16px;"><div class="" dir="ltr"><font class="" size="2" face="Arial">On Thursday, September 25, 2014 2:58 PM, Bernard Kioko via kictanet <<a href="mailto:kictanet@lists.kictanet.or.ke">kictanet@lists.kictanet.or.ke</a>> wrote:<br class=""></font></div><br class=""><br class=""><div class=""><div class="" id="yiv6486602667"><div class=""><div class=""><div class="">So I have been watching and reading the debate on thin-sim and the drama got me thinking about something….</div><div class=""> </div><div class=""><span class="" style="color: rgb(31, 73, 125);">Almost every Kenyan bank today is running a USSD mobile banking service. When you dial that number (eg *111#) ….and you enter your PIN to transact….. your PIN is transported between your phone and your bank in an open text (clear text aka no encryption) that can be read easily. I am sure both Safaricom and Equity know this for a fact. With this understanding, is the thin-sim card discussion really about the security for consumer or is it market-share politics? Can the two companies not find a secure work around if it really is about security? Imagine if CCK / Central Bank had refused MPESA citing consumer security because they could tell of the many mpesa fraudsters reported daily.</span></div><div class=""><span class="" style="color: rgb(31, 73, 125);"> </span></div><div class=""><span class="" style="color: rgb(31, 73, 125);">Further, can CCK not “order” safaricom to open their sim card (subject to commercial terms) for more SimToolkit applications in which case Equity Mobile Money services would sit right next to MPESA menu on that same sim card (and perhaps there would have been no need for a new MVNO – ok so am being too ambitious!).</span></div><div class=""><span class="" style="color: rgb(31, 73, 125);"> </span></div><div class=""><span class="" style="color: rgb(31, 73, 125);">Isn’t the big deal Equity’s desire to enter the Mobile Money market and for those following closely, you know the difference between “M-Shwari” and the now almost dead “M-Kesho”</span></div><div class=""><span class="" style="color: rgb(31, 73, 125);"> </span></div><div class=""><span class="" style="color: rgb(31, 73, 125);">What are your thoughts?</span></div><div class=""> </div></div></div><br class=""><div class="" align="center" style="text-align: center;"><b class=""><hr class="" align="center" size="2" width="100%"></b></div><div class="" style="line-height: 18px;"><img class="" src="http://bernsoft.com/img/logo.jpg"><span class="" style="background-color: white; font-family: Georgia, serif; font-size: 9pt; line-height: 13px;"><br class=""><br class="">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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