<html><head><meta http-equiv="content-type" content="text/html; charset=utf-8"></head><body dir="auto"><div>Elizabeth raises very valid points. So does Baiju.</div><div id="AppleMailSignature"><br></div><div id="AppleMailSignature">I'm curious:-</div><div id="AppleMailSignature"><br></div><div id="AppleMailSignature">What stops Safaricom from developing an Mpesa App? What's the fear? </div><div id="AppleMailSignature"><br></div><div id="AppleMailSignature">I recall my strategy professor once telling me:-</div><div id="AppleMailSignature"><br></div><div id="AppleMailSignature">Better you start cannibalizing yourself then someone else starts taking bite size chunks out of you while you are still alive!! <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><span style="-webkit-tap-highlight-color: rgba(26, 26, 26, 0.294118); -webkit-composition-fill-color: rgba(175, 192, 227, 0.231373);"><b>Principal</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 0713 601113 / 0770906375</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></span></p><font><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 22 Jul 2016, at 1:58 PM, Rosemary Koech-Kimwatu via kictanet <<a href="mailto:kictanet@lists.kictanet.or.ke">kictanet@lists.kictanet.or.ke</a>> wrote:<br><br></div><blockquote type="cite"><div><div dir="ltr">Baju I agree,<div><br></div><div>I really don't think I want another card in my wallet. They are just too many, right from loyalty cards by various franchises to debit and credit cards. We need a disruptor that will negate the need for all these and that will be the future of innovation.</div><div><br></div><div>Kind regards, </div><div><br></div><div>Rosemary Koech-Kimwatu</div><div>Skype:Rosemary Koech-Kimwatu</div><div>Tel: 0718181644</div></div><div class="gmail_extra"><br><div class="gmail_quote">On Fri, Jul 22, 2016 at 12:14 PM, Baiju Shah 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></div><div>Great discussion.</div><div><br></div><div>Last mile is all about connectivity. Not too sure the ROI for a card by safaricom who already have a vibrant agent network, sticky or loyal customers. Today only there are 2-4% transactions on card.</div><div><br></div><div>The question is what are they trying to solve with this initiative as we also do not event have a wide spread of ATMs.</div><div><br></div><div>In my personal opinion this is a step back, I think they really need to rethink on this, but they should look at improving the experience on Mpesa. </div><div><br></div><div>There are many applicable technologies, the last mile connect is the problem Safaricom has solved, but to build into the network of expensive PDQ machines does make sense if you have already replaced them with a $10 - $15 unit.</div><div><br></div><div>Wow.. What a step back Safaricom please rethink, reset otherwise carry on.</div><div><br></div><div>Thanks,</div><div><br></div><div>Best Regards,</div><div>Baiju</div><div><div class="h5"><div><br>On 22 Jul 2016, at 11:30, Dorcas Muthoni 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><p dir="ltr">NFC relies on an entire ecosystem. Phones, PDQS/POS terminals are part of it.</p>
<p dir="ltr">I said a long time ago that mobile payments would only be global via a standard based technology like NFC Vs a vendor driven service such as mpesa. </p>
<p dir="ltr">I am happy to see Safaricom is now ready to support the standard based approach to mobile payments too.</p>
<div class="gmail_quote">On Jul 22, 2016 10:07 AM, "Mwendwa Kivuva via kictanet" <<a href="mailto:kictanet@lists.kictanet.or.ke" target="_blank">kictanet@lists.kictanet.or.ke</a>> wrote:<br type="attribution"><blockquote class="gmail_quote" style="margin:0 0 0 .8ex;border-left:1px #ccc solid;padding-left:1ex"><p dir="ltr"></p>
<p dir="ltr">On Jul 22, 2016 6:51 AM, "Ali Hussein via kictanet" <<a href="mailto:kictanet@lists.kictanet.or.ke" target="_blank">kictanet@lists.kictanet.or.ke</a>> wrote:<br>
><br>
> Grace<br>
><br>
> Good point. Definitely food for thought. I'm sure Mpesa has a reason to go back to cards when the very nature of mobile money is card less.</p>
<p dir="ltr">Ali, how I understood it is that if your phone is NFC enabled, you would not need the card. You would just swipe the phone. Again, the card is helpful when you are outside network coverage area, like when you travel abroad. </p>
<p dir="ltr">><br>
> This will definitely be something to watch keenly.<br>
><br>
> Ali Hussein<br>
><br>
><br>
> On Jul 22, 2016 6:46 AM, "Grace Mutung'u (Bomu) via kictanet" <<a href="mailto:kictanet@lists.kictanet.or.ke" target="_blank">kictanet@lists.kictanet.or.ke</a>> wrote:<br>
>><br>
>> I wonder if the card will be as fees free to the customer as visa. Therein, would be an advantage. For now there are times when paying through M-pesa is charged and it is quite inconvenient to send an SMS to find out the charges.<br>
>> But the bigger question would be whether this the real future or the full potential of mobile money vis a vis Blockchains...<br>
>> Regards,<br>
>><br>
>> On 21 Jul 2016 9:28 p.m., "Mwendwa Kivuva via kictanet" <<a href="mailto:kictanet@lists.kictanet.or.ke" target="_blank">kictanet@lists.kictanet.or.ke</a>> wrote:<br>
>>><br>
>>> @Barrack,<br>
>>><br>
>>> Imagine just running your NFC phone, or Card at the Point of Sale and your purchase is done. Instead of the current method where you have to go to an MPESA menu, chose paybill/till, enter paybill number, enter the amount, enter pin, confirm, wait for SMS ....<br>
>>><br>
>>> I expect also you can use the card while abroad ... <br>
>>><br>
>>> Choice is good.<br>
>>><br>
>>><br>
>>><br>
>>> ______________________<br>
>>> Mwendwa Kivuva, Nairobi, Kenya<br>
>>> <a href="http://twitter.com/lordmwesh" target="_blank">twitter.com/lordmwesh</a><br>
>>><br>
>>><br>
>>><br>
>>> On 21 July 2016 at 19:44, Barrack Otieno via kictanet <<a href="mailto:kictanet@lists.kictanet.or.ke" target="_blank">kictanet@lists.kictanet.or.ke</a>> wrote:<br>
>>>><br>
>>>> @ Wash,<br>
>>>><br>
>>>><br>
>>>> I wonder if it will add any value.<br>
>>>><br>
>>>> Regards<br>
>>>><br>
>>>> On 7/20/16, Odhiambo Washington via kictanet<br>
>>>> <<a href="mailto:kictanet@lists.kictanet.or.ke" target="_blank">kictanet@lists.kictanet.or.ke</a>> wrote:<br>
>>>> > <a href="http://qz.com/734842/mobile-money-giant-m-pesa-is-getting-its-own-debit-card-to-compete-with-banks/" target="_blank">http://qz.com/734842/mobile-money-giant-m-pesa-is-getting-its-own-debit-card-to-compete-with-banks/</a><br>
>>>> ><br>
>>>> ><br>
>>>> > --<br>
>>>> > Best regards,<br>
>>>> > Odhiambo WASHINGTON,<br>
>>>> > Nairobi,KE<br>
>>>> > +254 7 3200 0004/+254 7 2274 3223<br>
>>>> > "Oh, the cruft."<br>
>>>> ><br>
>>>><br>
>>>><br>
>>>> --<br>
>>>> Barrack O. Otieno<br>
>>>> <a href="tel:%2B254721325277" value="+254721325277" target="_blank">+254721325277</a><br>
>>>> <a href="tel:%2B254733206359" value="+254733206359" target="_blank">+254733206359</a><br>
>>>> Skype: barrack.otieno<br>
>>>> PGP ID: 0x2611D86A<br>
>>>><br>
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>>>><br>
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>>>><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>
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>>><br>
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