<html><head><meta http-equiv="content-type" content="text/html; charset=utf-8"></head><body dir="auto"><div>Emmanuel</div><div><br></div><div>There really isn't a right or wrong view on this. Success is defined differently by different constituents. For Safaricom that may well be that Mpesa has been successful beyond their wildest dreams. Locally (this includes East Africa). In my humble opinion though even locally the game isn't over yet. Not by a long shot. The payments space game is just warming up. There iis no dominant player in this space yet.<br><br><div><span style="-webkit-tap-highlight-color: rgba(26, 26, 26, 0.294118); -webkit-composition-fill-color: rgba(175, 192, 227, 0.231373);"><b>Ali Hussein</b></span></div><div><b style="background-color: rgba(255, 255, 255, 0);">Hussein & Associates</b></div><div style="font-family: Helvetica; font-size: medium; -webkit-tap-highlight-color: rgba(26, 26, 26, 0.296875); -webkit-composition-fill-color: rgba(175, 192, 227, 0.230469); -webkit-composition-frame-color: rgba(77, 128, 180, 0.230469); -webkit-text-size-adjust: auto; ">+254 770 906375 / 0713 601113</div><div style="font-family: Helvetica; font-size: medium; -webkit-tap-highlight-color: rgba(26, 26, 26, 0.296875); -webkit-composition-fill-color: rgba(175, 192, 227, 0.230469); -webkit-composition-frame-color: rgba(77, 128, 180, 0.230469); -webkit-text-size-adjust: auto; "><br></div><div><p style="margin: 0in 0in 0pt;"><span style="background-color: rgba(255, 255, 255, 0);">Twitter: @AliHKassim</span></p><span style="background-color: rgba(255, 255, 255, 0);"><font></font></span><p style="margin: 0in 0in 0pt;"><span style="background-color: rgba(255, 255, 255, 0);">Skype: abu-jomo</span></p><p 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></p><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 style="-webkit-tap-highlight-color: rgba(26, 26, 26, 0.292969); -webkit-composition-fill-color: rgba(175, 192, 227, 0.230469); -webkit-composition-frame-color: rgba(77, 128, 180, 0.230469); "><br></span></div><div>"Discovery consists in seeing what everyone else has seen and thinking what no one else has thought". ~ Albert Szent-Györgyi</div><div><span style="-webkit-tap-highlight-color: rgba(26, 26, 26, 0.294118); -webkit-composition-fill-color: rgba(175, 192, 227, 0.231373);"><br></span></div>Sent from my iPad</div><div><br>On Apr 21, 2015, at 7:34 PM, Emmanuel Khisa <<a href="mailto:oloo.khisa@googlemail.com">oloo.khisa@googlemail.com</a>> wrote:<br><br></div><blockquote type="cite"><div><div dir="ltr"><div><div><div><div><div><div><div><div>Ali,<br><br></div>I beg to differ.<br><br></div>Statistics show a different story.<br><br></div>Tanzania: Mpesa is the largest provider of Mmoney services with a market share of 65%...about 8m users.<br></div>Afghanistan and Fiji : For the longest part Mpaisa has been a great service<br></div>Egypt and South Africa haven't been so great ( But one can also argue that in South Africa Vodafone attempted to let go of control and gave their platform to Nedbank and this didnt work out so well).<br><br></div>I general Mobile Money requires a certain kind of gravitas in distribution that telcos do so well and most other sectors fail in so badly.<br><br></div>In the end Ali, the question is "what does success really look like within the Mmoney context"<br><br></div>My a quarter <br></div><div class="gmail_extra"><br><div class="gmail_quote">On Tue, Apr 21, 2015 at 3:09 PM, Ali Hussein via kictanet <span dir="ltr"><<a href="mailto:kictanet@lists.kictanet.or.ke" target="_blank">kictanet@lists.kictanet.or.ke</a>></span> wrote:<br><blockquote class="gmail_quote" style="margin:0 0 0 .8ex;border-left:1px #ccc solid;padding-left:1ex"><div dir="auto"><div>Dennis</div><div><br></div><div>Safaricom needs to outsource cloud to Angani (disclosure: I'm a fan) :)</div><div><br></div><div>Seriously though, for as long as Mpesa is under the control of Safaricom/Vodafone it will nor grow beyond Kenya. Safaricom uses Mpesa as a big stick against its competitors and I'm not sure that's the way to grow a brand. <span class=""><br><br><div><span><b>Ali Hussein</b></span></div><div><b style="background-color:rgba(255,255,255,0)">Hussein & Associates</b></div><div style="font-family:Helvetica;font-size:medium"><a href="tel:%2B254%20770%20906375" value="+254770906375" target="_blank">+254 770 906375</a> / <a href="tel:0713%20601113" value="+254713601113" target="_blank">0713 601113</a></div><div style="font-family:Helvetica;font-size:medium"><br></div><div><p style="margin:0in 0in 0pt"><span style="background-color:rgba(255,255,255,0)">Twitter: @AliHKassim</span></p><span style="background-color:rgba(255,255,255,0)"><font></font></span><p style="margin:0in 0in 0pt"><span style="background-color:rgba(255,255,255,0)">Skype: abu-jomo</span></p><p 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></p><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>"Discovery consists in seeing what everyone else has seen and thinking what no one else has thought". ~ Albert Szent-Györgyi</div><div><span><br></span></div>Sent from my iPad</span></div><div><div class="h5"><div><br>On Apr 21, 2015, at 2:39 PM, Dennis Kioko via kictanet <<a href="mailto:kictanet@lists.kictanet.or.ke" target="_blank">kictanet@lists.kictanet.or.ke</a>> wrote:<br><br></div><blockquote type="cite"><div><div dir="ltr">By having a separate M-Pesa server and control over the same, allows Safaricom to vastly improve what M-Pesa can do, and also experiment a lot with the local market. <div><br></div><div>Kenya is more mature than other countries in M-Pesa products - Safaricom is able to specifically create new services for Kenya. </div><div><br></div><div>Secondly, Safaricom's running of M-Pesa servers enables the firm to build its cloud skills, and also to bring down the cost of cloud solutions to some extent, in my opinion. After all, skills and capacity can be shared with M-Pesa, with fixed costs coming down due to M-Pesa's uptake. </div></div><br><div class="gmail_quote">On Tue, 21 Apr 2015 at 13:57 Phares Kariuki via kictanet <<a href="mailto:kictanet@lists.kictanet.or.ke" target="_blank">kictanet@lists.kictanet.or.ke</a>> wrote:<br><blockquote class="gmail_quote" style="margin:0 0 0 .8ex;border-left:1px #ccc solid;padding-left:1ex"><div dir="auto"><div>Safaricom does not really care about QoS for users in India or Latvia for that matter. It's the KE users. <br><br>--<div>Phares </div></div></div><div dir="auto"><div><br>On Apr 21, 2015, at 1:48 PM, Mwendwa Kivuva via kictanet <<a href="mailto:kictanet@lists.kictanet.or.ke" target="_blank">kictanet@lists.kictanet.or.ke</a>> wrote:<br><br></div><blockquote type="cite"><div><div dir="ltr"><div class="gmail_extra"><br><div class="gmail_quote">On 21 April 2015 at 09:47, Ali Hussein via kictanet <span dir="ltr"><<a href="mailto:kictanet@lists.kictanet.or.ke" target="_blank">kictanet@lists.kictanet.or.ke</a>></span> wrote:<br><blockquote class="gmail_quote" style="margin:0 0 0 .8ex;border-left:1px #ccc solid;padding-left:1ex"><div>True that. Majority of users are in Kenya. For now. Would really be interesting to see how this affects the plans to go global especially if they want to tap into the remittances business and Vodafone has global ambitions for Mpesa...<br></div></blockquote></div><br>Ali, MPESA has gone global but not as a Safaricom product since the IP is owned by Vodafone. MPESA is in India, South Africa, Tanzania, Afghanistan, e.t.c. I am not an IP expert, but forget Safaricom ever getting anything out of it from the global market. Vodafone has that in their pockets.</div><div class="gmail_extra"><br></div><div class="gmail_extra"><br><br clear="all"><div><div><div dir="ltr"><div><div dir="ltr">______________________<br>Mwendwa Kivuva, Nairobi, Kenya<br><br>"There are some men who lift the age they inhabit, till all men walk on higher ground in that lifetime." - Maxwell Anderson<br><div><br></div></div></div></div></div></div>
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KICTANetiquette : Adhere to the same standards of acceptable behaviors online that you follow in real life: respect people's times and bandwidth, share knowledge, don't flame or abuse or personalize, respect privacy, do not spam, do not market your wares or qualifications.<br></blockquote></div><br><br clear="all"><br>-- <br><div class="gmail_signature"><font style="font-family:comic sans ms,sans-serif" size="2"><h6> <span><font size="2">"Service to Mankind is the greatest form of service"...</font></span></h6></font><h6><br></h6><b><br>Oloo Khisa<br>P.O. Box 24324-00100<br>Nairobi<br>0721321086/0731849128<br><a title="View public profile" href="http://ke.linkedin.com/in/olookhisa" name="UNIQUE_ID_SafeHtmlFilter_SafeHtmlFilter_SafeHtmlFilter_SafeHtmlFilter_webProfileURL" target="_blank">http://ke.linkedin.com/in/olookhisa</a></b><br></div>
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