<html><head><meta http-equiv="Content-Type" content="text/html; charset=UTF-8"></head><body ><div><div></div><div>Walu, , Listers,</div><div>Victor is right . The spirit of the law is very clear. CAK has even shielded further by ensuring that they are not funded by the exchequer. The drafters of KICA right from 1998 were very clear on this "in order to create investor confidence that licensing will not be at the whims of particular interests".</div><div><br></div><div>In any case nearly all technologies have inherent risk.That is why INSURANCE INDUSTRY thrives. I would love to meet experts who know of a risk free technology! </div><div><br></div><div>John Kariuki</div><div><br></div><div><br></div><div><div style="font-size:75%;color:#575757">Sent from Samsung Mobile</div></div></div> <br><br><br>-------- Original message --------<br>From: Walubengo J via kictanet <kictanet@lists.kictanet.or.ke> <br>Date: <br>To: ngethe.kariuki2007@yahoo.co.uk <br>Subject: Re: [kictanet] House team halts Equity Bank's thin-SIM rollout <br> <br><br>@Victor,<br><br>Completely agree....but as they say money can get another lawyer to script an equally convincing submission - but for parliamentary intervention (the law is an ass?)<br><br>Some said we have had judicial activism and now we seem to experiencing parliamentary activism. The interesting part is that Equity is the only guy in town who can stare at Safaricom anywhere anytime. Be it at the Regulator, in Parliament, in Court, in Statehouse, or in Mars.<br><br>I will wear my helmet because it does look like it might get bloody sooner than I thought :-)<br><br>walu.<br> <br>--------------------------------------------<br>On Wed, 9/24/14, Victor Kapiyo via kictanet <kictanet@lists.kictanet.or.ke> wrote:<br><br> Subject: Re: [kictanet] House team halts Equity Bank's thin-SIM rollout<br> To: jwalu@yahoo.com<br> Date: Wednesday, September 24, 2014, 6:07 PM<br> <br> My reading<br> of this is that Parliament when drafting S. 5A of KICA was<br> very clear in its intention to give CAK independence and<br> shield it from influence from government, political<br> or commercial interests in the<br> exercise of its powers and in the performance of<br> its functions.<br> The<br> influence referred to in S. 5A also includes influence of<br> Parliament or its committees (and whichever other interest<br> is pulling strings in the committee). Such that the<br> committee cannot lawfully direct CAK to halt the process, or<br> halt the process itself especially on a matter which the law<br> clearly states that is within CAKs<br> mandate. <br> Can<br> Parliament request, yes. <br> Is this a request? That's debatable and will<br> depend on a good reading of the communication from the<br> committee to CAK. And as such the press report maybe<br> misleading. <br> The question of sovereignty, while<br> is material is irrelevant to the extent that the same<br> Parliament has already drafted laws empowering CAK to act<br> independently. Nothing stops Parliament or any Kenyan from<br> questioning decisions of CAK, which ideally can always be<br> done in a court of law or in the court of public<br> opinion, depending on the level of<br> interest. <br> Parliamentary committees also need<br> to understand that there is a limit to their powers under<br> the Constitution and Standing orders, and should<br> guard against acting ultra vires. <br> My advise to CAK and Parliament is to read the<br> law and follow it - Which in effect means to act<br> independently.<br> <br> Victor<br> <br> <br> Victor Kapiyo, LL.B<br> ====================================================<br> “Your attitude, not your aptitude, will<br> determine your altitude” Zig Ziglar<br> <br> <br> On 24<br> September 2014 15:38, Consumers Federation of Kenya (COFEK)<br> via kictanet <kictanet@lists.kictanet.or.ke><br> wrote:<br> Dear<br> Victor, They DO!! It is obviously a<br> fallacy that non-technical people make decisions on<br> technical issues. But we are not a banana republic – at<br> least on paper. If you read Art.1(2) of the<br> Constitution – those characters hold enormous powers. They<br> make the law for regulator in line with Art.34 (recall CA is<br> not a Chapter 15 Commission and “independence” is<br> limited). “The people may exercise their<br> sovereign power either directly or through their<br> “democratically” elected representatives”<br> Art. 1(3)(a) says<br> sovereign power is delegated …. To Parliament and the<br> legislative assemblies in the County Governments. Also<br> read Art. 95 and 96 and so<br> on” Kind<br> regards,Stephen Stephen<br> MutoroSecretary<br> GeneralConsumers Federation of Kenya<br> (COFEK)Rehema Place, Block<br> F-45Ngong Road/Ring Rd Kilimani<br> JunctionP.O Box 28053-00200, City Square,<br> NAIROBI, Kenya Tel. 254-20-2615496, 2300859 Fax.<br> 254-20-3861719; Cell phones: 0715555550,<br> 0770700007E-mail: hotline@cofek.co.keWebsite: www.cofek.co.keFacebook: "Consumers<br> Federation of Kenya (Cofek)"<br> Twitter: @ConsumersKenya YouTube:<br> "ConsumersKenya" 13th December 2012 - President Kibaki assents to<br> the Consumer Protection Act, 2012 Read it here: http://www.cofek.co.ke/Consumers%20Protection%20Act%202012.pdf From: kictanet [mailto:kictanet-bounces+hotline=cofek.co.ke@lists.kictanet.or.ke]<br> On Behalf Of Victor bwire via kictanet<br> Sent: Wednesday, September 24, 2014 5:22<br> PM<br> To: The Consumers Federation of<br> Kenya (Cofek)<br> Subject: Re: [kictanet]<br> House team halts Equity Bank's thin-SIM<br> rollout Dear<br> Grace the House Team has no<br> supervisory powers over the Regulator- Not at<br> all Just that MPs have become<br> terrible regards Victor On Wed, Sep 24, 2014 at 4:47<br> PM, Grace Githaiga via kictanet <kictanet@lists.kictanet.or.ke><br> wrote:@<br> Victor, The heading of this article<br> says the 'house team halts..." while the body of the<br> story has "has asked CA to halt..." It might be<br> semantics but my interpretation of this is that this is a<br> request to CA, and not a directive.<br> Yes? Tell me, does the house team<br> have oversight over regulatory matters? I am looking at KICA<br> 2013 Article 5 on CA's<br> independence: 5A. (1) The Authority shall<br> be independentand free of control by<br> government, political orcommercial interests in the<br> exercise of itspowers and in the performance<br> of its functions. (2) In fulfilling its<br> mandate, the Authorityshall be guided by the<br> national values andprinciples of governance in<br> Article 10 and thevalues and principles of<br> public service in Article232 (1) of the<br> Constitution. What would happen say if CA<br> disregards the House team's<br> demand? RgdsGG Date: Wed, 24 Sep 2014<br> 11:54:17 +0100<br> Subject: Re: [kictanet]<br> Equity Given Go Ahead by CAK<br> From: kictanet@lists.kictanet.or.ke<br> To: ggithaiga@hotmail.comThe tables have turned<br> again: House team halts Equity<br> Bank's thin-SIM<br> rollout The National Assembly’s<br> Energy and ICT Committee has asked the Communications<br> Authority (CA) to halt Equity Bank thin-SIM card rollout<br> until it is satisfied of the security of the<br> technology. http://www.nation.co.ke/news/politics/House-team-halts-Equity-Bank-thin-SIM-rollout/-/1064/2463762/-/2srp37/-/index.html<br> Victor Kapiyo,<br> LL.B<br> ====================================================<br> “Your attitude, not your aptitude, will<br> determine your altitude” Zig<br> Ziglar On 22 September 2014 18:49,<br> Martin Gicheru via kictanet <kictanet@lists.kictanet.or.ke><br> wrote:Safaricom does not necessarily<br> agree to the move but will cooperate while it still needs<br> to. ”We are particularly encouraged<br> that CA has commenced the process of hiring an independent<br> and reputable international firm to conduct a security audit<br> on all SIM cards, and in particular the use of the SIM<br> overlay technology in mobile money transfer services. We<br> therefore implore the CA to fast track the security review<br> and to publish the guidelines in the interests of protecting<br> consumers and financial institutions who will remain<br> vulnerable to the potential risks created by the<br> ‘man-in-the-middle attack’.<br> ” http://techmoran.com/safaricom-remains-adamant-thin-sim-vulnerabilities/ On Mon, Sep 22, 2014 at 6:36<br> PM, Bernard Kioko via kictanet <kictanet@lists.kictanet.or.ke><br> wrote:Change is the only permanent<br> thing!<br> -----Original Message-----<br> From: kictanet<br> [mailto:kictanet-bounces+bkioko=bernsoft.com@lists.kictanet.or.ke]<br> On Behalf<br> Of Walubengo J via kictanet<br> Sent: Monday, September 22, 2014 6:30 PM<br> To: bkioko@bernsoft.com<br> Subject: Re: [kictanet] Equity Given Go Ahead<br> by CAK<br> <br> @Charles,<br> <br> Interesting views. I dont<br> speak for Equity - and am not even a MEMBER<br> (their customer). However, they have the<br> following going for them.<br> <br> 1) they do have their OWN SIM card targetting<br> their 8m banking customers.<br> They can<br> actually make money out their core group of customers using<br> their<br> mobile virtual network (riding on<br> Airtel telco infrastructure i believe).<br> 2)<br> the thin-SIM technology is just a nice option for their 8m<br> customers AND<br> the 20+million Safaricom<br> customers.<br> 3) indeed Safcom can play dirty<br> but I am sure they wont because (a) they can<br> take on Equity challenge and (b) the regulator<br> seems more ready than ever to<br> pounce on them<br> (recall regulator has been "looking" for them over<br> quality<br> issues :-).<br> <br> Remember, this looks like a mobile money<br> battle, but the real deal is the<br> collateral<br> damage it is likely to cause in the voice market because<br> once a<br> Safaricom customer mounts the thin<br> SIM Card and discovers that they can make<br> cheaper calls/sms with it without losing their<br> MPESA functionality...they<br> will actually be<br> having their cake (MPESA) while eating it (making Cheaper<br> calls on the Equity Mobile virtual network).<br> <br> Essentially, Equity is<br> breaking a small gap into the Safaricom defensive<br> wall(MPESA) and once in, even the data-market<br> may eventually be free for all<br> i.e.<br> #checkmate.<br> <br> walu.<br> <br> --------------------------------------------<br> On Mon, 9/22/14, Charles Kimani via kictanet<br> <kictanet@lists.kictanet.or.ke><br> wrote:<br> <br> Subject: Re: [kictanet] Equity Given Go Ahead<br> by CAK<br> To: jwalu@yahoo.com<br> Date: Monday, September 22, 2014, 4:44 PM<br> <br> I<br> think<br> the thin sim strategy is brilliant...in theory.<br> However, I am also<br> wondering just how wise it is to place the<br> success of your business model<br> at the<br> mercy of a hostile, powerful and uncooperative business<br> rival. What<br> if - 6 months after launch,<br> for example - Safaricom decide to upgrade all<br> their sim cards (genuinely or otherwise) just<br> when Equity is in the middle<br> of a critical<br> (probably expensive) product rollout? What if <br> Safaricom<br> customer service and dealer/retail<br> channels start advising subscribers who<br> are having issues with their lines that the<br> thin sim is the cause of their<br> problems and<br> show them how to remove it?<br> How will<br> Equity map their processes<br> and logistics<br> with the Safaricom SIM replacement processes?<br> Will Equity subscribers need to remember to<br> make an extra stop at an<br> Equity outlet to<br> have their thin sim re-attached once they do a sim<br> swap?<br> How easy is it to attach these thin <br> sims?<br> We have<br> previously<br> seen smart sabotage tactics bring down SAB Miller <br> ambitions in<br> the Kenyan market. Equity - in<br> my opinion - is giving too much firepower to<br> a determined competitor. It might be cheaper<br> in the long run to just invest<br> in own SIM <br> and take Safaricom head-on.<br> Regards,Charles<br> On Mon, Sep<br> 22, 2014 at<br> 4:18 PM, Dennis Kioko via<br> kictanet <kictanet@lists.kictanet.or.ke><br> wrote:<br> Meanwhile, I did get<br> the Equitel SIM Card (haven't seen the infamous<br> Thin<br> SIM). So far, here's my<br> experience with the<br> same. http://www.infotake.co.ke/2014/09/how-does-equity-banks-equitel-work.h<br> tml<br> On 22 September 2014<br> 16:11, Barrack<br> Otieno via kictanet <kictanet@lists.kictanet.or.ke><br> wrote:<br> Sometimes<br> diversification leads to loss of focus.<br> Interesting discussions but let us<br> see if<br> this scenario will change some of this Principles that<br> have evolved<br> over time.<br> <br> Best Regards<br> <br> On Mon, Sep 22,<br> 2014 at<br> 3:56 PM, Bernard Kioko via kictanet <kictanet@lists.kictanet.or.ke><br> wrote:<br> I have noted media<br> reports<br> indicating Equity has been granted<br> go-ahead by CAK to operate with<br> Thin-Sim<br> cards. Game changing I suppose. <br> <br> <br> <br> <br> <br> <br> <br> <br> This e-mail and<br> any attachments may contain information that<br> is confidential, legally<br> privileged and<br> protected by law and is intended for the sole use of<br> the<br> named recipient(s). 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The network aims to act as a catalyst for reform<br> in the ICT sector in support of the national aim of ICT<br> enabled growth and development.<br> <br> KICTANetiquette : Adhere to the same standards<br> of acceptable behaviors online that you follow in real life:<br> respect people's times and bandwidth, share knowledge,<br> don't flame or abuse or personalize, respect privacy, do<br> not spam, do not market your wares or<br> qualifications. <br> _______________________________________________<br> <br> kictanet mailing list<br> <br> kictanet@lists.kictanet.or.ke<br> <br> https://lists.kictanet.or.ke/mailman/listinfo/kictanet<br> <br> <br> <br> Unsubscribe or change your options at https://lists.kictanet.or.ke/mailman/options/kictanet/vkapiyo%40gmail.com<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> kictanet@lists.kictanet.or.ke<br> https://lists.kictanet.or.ke/mailman/listinfo/kictanet<br> <br> Unsubscribe or change your<br> options at https://lists.kictanet.or.ke/mailman/options/kictanet/jwalu%40yahoo.com<br> <br> The Kenya ICT Action Network<br> (KICTANet) is a multi-stakeholder platform for people and<br> institutions interested and involved in ICT policy and<br> regulation. The network aims to act as a catalyst for reform<br> in the ICT sector in support of the national aim of ICT<br> enabled growth and development.<br> <br> KICTANetiquette : Adhere to the same standards<br> of acceptable behaviors online that you follow in real life:<br> respect people's times and bandwidth, share knowledge,<br> don't flame or abuse or personalize, respect privacy, do<br> not spam, do not market your wares or<br> qualifications.<br><br>_______________________________________________<br>kictanet mailing list<br>kictanet@lists.kictanet.or.ke<br>https://lists.kictanet.or.ke/mailman/listinfo/kictanet<br><br>Unsubscribe or change your options at https://lists.kictanet.or.ke/mailman/options/kictanet/ngethe.kariuki2007%40yahoo.co.uk<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.</body>