<p>Very interesting analysis Erick and Kanini.</p>
<p>Regards</p>
<div class="gmail_quote">On Feb 22, 2017 1:54 PM, "Erick Mwangi via kictanet" <<a href="mailto:kictanet@lists.kictanet.or.ke">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"><div dir="ltr"><div><font face="garamond,serif"><font color="#000000" face="Times New Roman" size="3">
</font><p style="margin:0cm 0cm 10pt"><span style="line-height:115%;font-size:12pt"><font color="#000000" face="Calibri">Well Kanini being restrained and dominating are good things given in equal measure - pun intended!!</font></span></p><p style="margin:0cm 0cm 10pt"><span style="line-height:115%;font-size:12pt"><font color="#000000" face="Calibri">Research has
shown that several factors influence a company’s ability to retain market
leadership, among them technological innovation, changes in market structure,
short product life cycles, capital strength and promotional prowess. However,
one critical factor has largely been ignored: the psychological forces that
drive decisions consumers make and, specifically, the degree to which people
feel they have choices. <span style="line-height:115%;font-size:12pt"><font color="#000000" face="Calibri">Once people have learned a company’s unique technology interface, they become more efficient using that interface and are often reluctant to switch to competing products that require new skills or allow for only limited transfer of current skills. As companies such as Microsoft have demonstrated with its Windows operating system and Office software, early movers with dominant market shares are in an ideal position to provide customers with interface-specific experience that creates this type of competitive advantage. </font></span></font></span></p><p style="margin:0cm 0cm 10pt"><span style="line-height:115%;font-size:12pt"><font color="#000000" face="Calibri">Studies have
shown that once consumers learn to use a particular interface, they are reluctant to switch.</font></span><span style="line-height:115%;font-size:12pt"><font color="#000000" face="Calibri"> </font></span></p><font color="#000000" face="Times New Roman" size="3">
</font><p style="margin:0cm 0cm 10pt"><span style="line-height:115%;font-size:12pt"><font color="#000000" face="Calibri">Psychological
reactance works like this: As people learn to use a particular electronic
interface associated with information search or online shopping, for example,
they often become locked in and develop extremely high levels of loyalty even
when otherwise equivalent competitors are available; the cost of switching
outweighs the benefit of using another product. However, research indicates that
the depth of loyalty weakens when consumers feel that their freedom to choose
is restricted. Specifically, as people feel that their choice is constrained
and that one interface dominates the market, they react against the constraint
by turning away from the market leader’s offering, thereby subjecting
themselves to the associated costs of switching. </font></span><span style="line-height:115%;font-size:12pt"><font color="#000000" face="Calibri"> </font></span></p><font color="#000000" face="Times New Roman" size="3">
</font><p style="margin:0cm 0cm 10pt"><span style="line-height:115%;font-size:12pt"><font color="#000000" face="Calibri">This also
the reason why Microsoft, invested $150 million in Apple in 1997 to ensure its
survival (and thereby giving consumers a real choice in operating systems), this may
have taken an important step toward maintaining its dominance in its core PC
markets - well Safcom ball is in your court..</font></span></p><font color="#000000" face="Times New Roman" size="3">
</font><p style="margin:0cm 0cm 10pt"><span style="line-height:115%;font-size:12pt"><font color="#000000" face="Calibri"> </font></span><span style="line-height:115%;font-size:12pt"><font color="#000000" face="Calibri">A complex
set of factors affects the choices that consumers make in rapidly evolving
markets such as mobile apps, social networks and other emerging electronic
interfaces. Aggressive players respond by focusing on product development,
branding and rapidly gaining critical mass. research suggests that an important
driver of consumer loyalty is the extent to which individuals feel that they
have a choice in the interface they use, and that psychological reactance can
have substantial effects on both consumer preferences and market shares.</font></span></p><font color="#000000" face="Times New Roman" size="3">
</font><p style="margin:0cm 0cm 10pt"><span style="line-height:115%;font-size:12pt"><font color="#000000" face="Calibri"> </font></span><span style="line-height:115%;font-size:12pt"><font color="#000000" face="Calibri">Behavioural analytics is becoming a key cog in understanding markets - this was used extensively used by Ted Cruz's campaign and later Trump, this will be an interesting phase we are getting into.</font></span></p></font><p style="margin:0cm 0cm 10pt"><br clear="all"></p></div><div class="gmail_extra"><div><div class="m_1446240969581257442gmail_signature"><div dir="ltr"><div>E Njoroge Mwangi</div><div>Technology| FINTECH | Big Data</div><div><br></div><div><div style="font-size:12.8px">Cell <font color="#1155cc"><a href="tel:+44%207539%20372742" value="+447539372742" target="_blank">+44 7539372742</a></font></div><div style="font-size:12.8px">Skype: Erick.mwangi</div></div></div></div></div>
<br><div class="gmail_quote">On Wed, Feb 22, 2017 at 9:54 AM, kanini mutemi via kictanet <span dir="ltr"><<a href="mailto:kictanet@lists.kictanet.or.ke" target="_blank">kictanet@lists.kictanet.or.ke</a><wbr>></span> wrote:<br><blockquote class="gmail_quote" style="margin:0px 0px 0px 0.8ex;padding-left:1ex;border-left-color:rgb(204,204,204);border-left-width:1px;border-left-style:solid"><div dir="ltr"><div>Not to be the forbearing wife in an abusive relationship (they run through my bundles too fast😡<div style="font-family:georgia,serif;display:inline">)<br><br></div><div style="font-family:georgia,serif;display:inline">Obtaining a dominant position isn't unlawful where the dominant position has been achieved genuinely through hardwork, superiority of products and services and an interplay of supply and demand. What is unlawful (See Section 24 of the Competition Act) is abuse of the dominant position. Our debate on whether or not Safaricom has a dominant position is futile. What we should interrogate is whether 1. the dominant position (assuming indeed the numbers affirm their dominance) was achieved unlawfully and 2. there have been instances of abuse of such position such as product tying (as the writer claims) and restrictive agreements. If the answer to this is yes then by all means let's have a conversation on equitable remedy and please, make those fines hefty. Again, we casually talk about unfair competition but in which market? There is a need to define the markets that Safaricom (and M-Pesa) operate in and see real figures on market share in these markets. <br><br></div><div style="font-family:georgia,serif;display:inline">It is very tempting to approach this topic emotionally and I think that's the trap the trial judge in US v Microsoft fell in when he ordered that Microsoft be split to two. Well in that case there were instances of abuse, I digress. Legislative (see Midiwo's Bill) and regulatory efforts may sound like a good idea now but what happens when our home grown companies finally make it? Will we subject them to similar vilification? I get the angle on consumer protection but is it really the consumer we are protecting or are we just mad that one company made it while others still struggle? I'd like us to graduate the discussion to whether a lot of what Safaricom does amounts to abuse of dominant position. For example- the new product by PharmAccess, M-Tiba. You're telling me that for me to get services from one product (M-Tiba) I have to subscribe for another product (Safaricom). Am I the only one for whom this raises red flags? <br></div><br><div class="gmail_quote"><div>Tarehe Jumatano, Feb 22, 2017 saa 12:22 Twahir Hussein Kassim via kictanet <<a href="mailto:kictanet@lists.kictanet.or.ke" target="_blank">kictanet@lists.kictanet.or.ke</a><wbr>> aliandika:<br></div><blockquote class="gmail_quote" style="margin:0px 0px 0px 0.8ex;padding-left:1ex;border-left-color:rgb(204,204,204);border-left-width:1px;border-left-style:solid"><div class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" lang="EN-US"><div class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275m_-1177263127753655928WordSection1 m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"><p class="MsoNormal m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg">Interesting debate…</p><p class="MsoNormal m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"><u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u> <u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u></p><p class="MsoNormal m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg">I would agree with Ali on nurturing the <b class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"><i class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg">ndogo-ndogos</i></b> (read zukus, jamiis etc) that are upcoming. However I would rather let the <b class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"><i class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg">bwana kubwa</i></b> – Safcom be, the market has a way to trim <b class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"><i class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg">bwana kubwa</i></b> to size – Nokia is a good example.</p><p class="MsoNormal m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"><u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u> <u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u></p><p class="MsoNormal m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"><u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u> <u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u></p><div class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="border-width:1pt medium medium;border-style:solid none none;border-color:rgb(225,225,225) currentColor currentColor;padding:3pt 0in 0in"><p class="MsoNormal m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="padding:0in;border:currentColor"><b class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg">From: </b><a class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" href="mailto:kictanet@lists.kictanet.or.ke" target="_blank">Walubengo J via kictanet</a><br class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"><b class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg">Sent: </b>Wednesday, February 22, 2017 11:29 AM<br class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"><b class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg">To: </b><a class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" href="mailto:twahuq@gmail.com" target="_blank">twahuq@gmail.com</a><br class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"><b class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg">Cc: </b><a class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" href="mailto:jwalu@yahoo.com" target="_blank">Walubengo J</a></p></div></div></div><div class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" lang="EN-US"><div class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275m_-1177263127753655928WordSection1 m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"><div class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="border-width:1pt medium medium;border-style:solid none none;border-color:rgb(225,225,225) currentColor currentColor;padding:3pt 0in 0in"><p class="MsoNormal m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="padding:0in;border:currentColor"><br class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"><b class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg">Subject: </b>Re: [kictanet]Consumer protection a means of cutting Safaricom’s dominance</p></div></div></div><div class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" lang="EN-US"><div class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275m_-1177263127753655928WordSection1 m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"><div class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="border-width:1pt medium medium;border-style:solid none none;border-color:rgb(225,225,225) currentColor currentColor;padding:3pt 0in 0in"><p class="MsoNormal m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="padding:0in;border:currentColor"></p></div><p class="MsoNormal m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"><u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u> <u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u></p><p class="MsoNormal m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="background:white"><span class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="color:black;font-family:"helvetica",sans-serif;font-size:12pt">@Barrack,<u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u><u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u></span></p></div></div><div class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" lang="EN-US"><div class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275m_-1177263127753655928WordSection1 m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"><div class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" id="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275m_-1177263127753655928yui_3_16_0_ym19_1_1487657117144_162149"><p class="MsoNormal m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="background:white"><span class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="color:black;font-family:"helvetica",sans-serif;font-size:12pt"><u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u> <u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u></span></p></div><div class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" id="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275m_-1177263127753655928yui_3_16_0_ym19_1_1487657117144_162149"><p class="MsoNormal m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="background:white"><span class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="color:black;font-family:"helvetica",sans-serif;font-size:12pt">Unlike columnist Jaindi, i dont have the benefit of the leaked dominance report. So unable to confidently take a position on the report.<u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u><u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u></span></p></div><div class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" id="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275m_-1177263127753655928yui_3_16_0_ym19_1_1487657117144_162149"><p class="MsoNormal m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="background:white"><span class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="color:black;font-family:"helvetica",sans-serif;font-size:12pt"><u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u> <u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u></span></p></div><div class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" id="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275m_-1177263127753655928yui_3_16_0_ym19_1_1487657117144_162149"><p class="MsoNormal m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="background:white"><span class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="color:black;font-family:"helvetica",sans-serif;font-size:12pt">However, I partly agree with Ali that the market has changed since the KPTC days (of the 1990s). Safaricom, just like Airtel and others may have been telecommunication companies then, but today they are more of ICT companies than they are traditional telcos (read voice providers). <u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u><u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u></span></p></div><div class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" id="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275m_-1177263127753655928yui_3_16_0_ym19_1_1487657117144_162149"><p class="MsoNormal m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="background:white"><span class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="color:black;font-family:"helvetica",sans-serif;font-size:12pt"><u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u> <u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u></span></p></div><div class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" id="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275m_-1177263127753655928yui_3_16_0_ym19_1_1487657117144_162149"><p class="MsoNormal m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="background:white"><span class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="color:black;font-family:"helvetica",sans-serif;font-size:12pt">The regulatory instruments and parameters for managing telcos in the 90s/early 2000s are therefore inadequate in dealing with todays dynamic ICT/Internet environment. There is need to have new regulatory instruments that can adequately interrogate todays ICT markets.<u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u><u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u></span></p></div><div class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" id="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275m_-1177263127753655928yui_3_16_0_ym19_1_1487657117144_162149"><p class="MsoNormal m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="background:white"><span class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="color:black;font-family:"helvetica",sans-serif;font-size:12pt"><u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u> <u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u></span></p></div><div class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" id="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275m_-1177263127753655928yui_3_16_0_ym19_1_1487657117144_162149"><p class="MsoNormal m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="background:white"><span class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="color:black;font-family:"helvetica",sans-serif;font-size:12pt">So once I get the dominance report, I would be keen to understand whether the Consultants recommendations are informed by a telco-focused regulatory instruments or are based on the new ICT realities. So in answering @Barrack, it is difficult to tell whether splitting Safcom is good or not, unless we understand what were the methodologies used to arrive at such decisions.<u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u><u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u></span></p></div><div class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" id="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275m_-1177263127753655928yui_3_16_0_ym19_1_1487657117144_162149"><p class="MsoNormal m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="background:white"><span class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="color:black;font-family:"helvetica",sans-serif;font-size:12pt"><u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u> <u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u></span></p></div><div class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" id="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275m_-1177263127753655928yui_3_16_0_ym19_1_1487657117144_162149"><p class="MsoNormal m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="background:white"><span class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="color:black;font-family:"helvetica",sans-serif;font-size:12pt">So I hope Racheal/CA will give us the detailed official report sooner, rather than later.<u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u><u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u></span></p></div><div class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" id="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275m_-1177263127753655928yui_3_16_0_ym19_1_1487657117144_162149"><p class="MsoNormal m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="background:white"><span class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="color:black;font-family:"helvetica",sans-serif;font-size:12pt"><u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u> <u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u></span></p></div><div class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" id="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275m_-1177263127753655928yui_3_16_0_ym19_1_1487657117144_162149"><p class="MsoNormal m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="background:white"><span class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="color:black;font-family:"helvetica",sans-serif;font-size:12pt">walu.<u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u><u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u></span></p></div><div class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" id="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275m_-1177263127753655928yui_3_16_0_ym19_1_1487657117144_162149"><p class="MsoNormal m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="background:white"><span class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="color:black;font-family:"helvetica",sans-serif;font-size:12pt"><u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u> <u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u></span></p></div><div class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" id="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275m_-1177263127753655928yui_3_16_0_ym19_1_1487657117144_162398"><p class="MsoNormal m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="background:white"><span class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="color:black;font-family:"helvetica",sans-serif;font-size:12pt"><u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u> <u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u></span></p></div></div></div><div class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" lang="EN-US"><div class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275m_-1177263127753655928WordSection1 m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"><div class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" id="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275m_-1177263127753655928yui_3_16_0_ym19_1_1487657117144_162316"><div class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" id="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275m_-1177263127753655928yui_3_16_0_ym19_1_1487657117144_162315"><div class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" id="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275m_-1177263127753655928yui_3_16_0_ym19_1_1487657117144_162314"><div class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" id="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275m_-1177263127753655928yui_3_16_0_ym19_1_1487657117144_162354"><p class="MsoNormal m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="background:white"><span class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="color:black;font-family:"arial",sans-serif;font-size:10pt"><img width="708" height="1" class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" id="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275m_-1177263127753655928Horizontal_x0020_Line_x0020_1" style="width:7.375in;height:0.01in" border="0"></span><span class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="color:black;font-family:"arial",sans-serif;font-size:10pt"><u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u><u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u></span></p></div></div></div></div></div></div><div class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" lang="EN-US"><div class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275m_-1177263127753655928WordSection1 m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"><div class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" id="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275m_-1177263127753655928yui_3_16_0_ym19_1_1487657117144_162316"><div class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" id="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275m_-1177263127753655928yui_3_16_0_ym19_1_1487657117144_162315"><div class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" id="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275m_-1177263127753655928yui_3_16_0_ym19_1_1487657117144_162314"><div class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" id="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275m_-1177263127753655928yui_3_16_0_ym19_1_1487657117144_162354"><p class="MsoNormal m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="background:white"><b class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"><span class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="color:black;font-family:"arial",sans-serif;font-size:10pt">From:</span></b><span class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="color:black;font-family:"arial",sans-serif;font-size:10pt"> Ali Hussein via kictanet <<a class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" href="mailto:kictanet@lists.kictanet.or.ke" target="_blank">kictanet@lists.kictanet.or.ke</a><wbr>><br class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"><b class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg">To:</b> <a class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" href="mailto:jwalu@yahoo.com" target="_blank">jwalu@yahoo.com</a> <br class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"><b class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" id="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275m_-1177263127753655928yui_3_16_0_ym19_1_1487657117144_164667">Cc:</b> Ali Hussein <<a class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" href="mailto:ali@hussein.me.ke" target="_blank">ali@hussein.me.ke</a>>; KICTAnet ICT Policy Discussions <<a class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" href="mailto:kictanet@lists.kictanet.or.ke" target="_blank">kictanet@lists.kictanet.or.ke</a><wbr>><br class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"><b class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" id="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275m_-1177263127753655928yui_3_16_0_ym19_1_1487657117144_164669">Sent:</b> Wednesday, February 22, 2017 6:18 AM<br class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"><b class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" id="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275m_-1177263127753655928yui_3_16_0_ym19_1_1487657117144_164671">Subject:</b> Re: [kictanet] Consumer protection a means of cutting Safaricom’s dominance</span><span class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="color:black;font-family:"helvetica",sans-serif;font-size:12pt"><u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u><u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u></span></p></div></div></div></div></div></div><div class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" lang="EN-US"><div class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275m_-1177263127753655928WordSection1 m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"><div class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" id="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275m_-1177263127753655928yui_3_16_0_ym19_1_1487657117144_162316"><div class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" id="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275m_-1177263127753655928yui_3_16_0_ym19_1_1487657117144_162315"><div class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" id="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275m_-1177263127753655928yui_3_16_0_ym19_1_1487657117144_162314"><div class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" id="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275m_-1177263127753655928yui_3_16_0_ym19_1_1487657117144_162313"><p class="MsoNormal m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="background:white"><span class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="color:black;font-family:"helvetica",sans-serif;font-size:12pt"><u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u> <u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u></span></p><div class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" id="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275m_-1177263127753655928yiv5447847949"><div class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" id="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275m_-1177263127753655928yui_3_16_0_ym19_1_1487657117144_162312"><div class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" id="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275m_-1177263127753655928yui_3_16_0_ym19_1_1487657117144_163660"><p class="MsoNormal m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="background:white"><span class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="color:black;font-family:"helvetica",sans-serif;font-size:12pt">Barrack<u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u><u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u></span></p></div><div class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" id="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275m_-1177263127753655928yiv5447847949AppleMailSignature"><p class="MsoNormal m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="background:white"><span class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="color:black;font-family:"helvetica",sans-serif;font-size:12pt"><u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u> <u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u></span></p></div><div class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" id="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275m_-1177263127753655928yiv5447847949AppleMailSignature"><p class="MsoNormal m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="background:white"><span class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="color:black;font-family:"helvetica",sans-serif;font-size:12pt">Im one of those old enough to remember. :-)<u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u><u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u></span></p></div><div class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" id="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275m_-1177263127753655928yiv5447847949AppleMailSignature"><p class="MsoNormal m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="background:white"><span class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="color:black;font-family:"helvetica",sans-serif;font-size:12pt"><u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u> <u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u></span></p></div><div class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" id="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275m_-1177263127753655928yiv5447847949AppleMailSignature"><p class="MsoNormal m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="background:white"><span class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="color:black;font-family:"helvetica",sans-serif;font-size:12pt">However my take is this:-<u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u><u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u></span></p></div><div class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" id="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275m_-1177263127753655928yiv5447847949AppleMailSignature"><p class="MsoNormal m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="background:white"><span class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="color:black;font-family:"helvetica",sans-serif;font-size:12pt"><u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u> <u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u></span></p></div><div class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" id="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275m_-1177263127753655928yiv5447847949AppleMailSignature"><p class="MsoNormal m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="background:white"><span class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="color:black;font-family:"helvetica",sans-serif;font-size:12pt">The markets have evolved so much and the dynamics of innovation, the market place and the consumer changed so much that the the Heavy Hand of Regulation must now be tampered by the light touch of nurturing and encouraging innovation and the market players to act and behave in a responsible manner. Failure to which the Market will deal with them in a most ruthless manner. The market won't break you up. It will decimate you and leave you for the dead. Just ask Telkom Kenya, Posta, Nokia and other once 'Dominant' global players.<u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u><u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u></span></p></div><div class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" id="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275m_-1177263127753655928yiv5447847949AppleMailSignature"><p class="MsoNormal m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="background:white"><span class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="color:black;font-family:"helvetica",sans-serif;font-size:12pt"><u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u> <u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u></span></p></div><div class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" id="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275m_-1177263127753655928yiv5447847949AppleMailSignature"><p class="MsoNormal m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="background:white;margin-bottom:12pt"><span class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="color:black;font-family:"helvetica",sans-serif;font-size:12pt">I think we are focusing on the wrong things. By all means, keep a leash on the lean, mean fighting machine that is Safaricom. But also nurture home grown players -The PesaPals, the Cellulant, the WayaWayas, the Anganis, the Zuku's and Jamiis to ensure that we build such a deep bench of players that this Dominance conversation will be placed where it belongs - in the dustbins of history.<u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u><u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u></span></p><div class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"><p class="MsoNormal m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="background:white"><b class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"><span class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="color:black;font-family:"helvetica",sans-serif;font-size:12pt">Ali Hussein</span></b><span class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="color:black;font-family:"helvetica",sans-serif;font-size:12pt"><u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u><u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u></span></p></div><div class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"><p class="MsoNormal m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="background:white"><b class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"><span class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="color:black;font-family:"helvetica",sans-serif;font-size:12pt">Principal</span></b><span class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="color:black;font-family:"helvetica",sans-serif;font-size:12pt"><u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u><u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u></span></p></div><div class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" id="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275m_-1177263127753655928yui_3_16_0_ym19_1_1487657117144_163658"><p class="MsoNormal m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="background:white"><b class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"><span class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="color:black;font-family:"helvetica",sans-serif;font-size:12pt">Hussein & Associates</span></b><span class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="color:black;font-family:"helvetica",sans-serif;font-size:12pt"><u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u><u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u></span></p></div><div class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" id="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275m_-1177263127753655928yui_3_16_0_ym19_1_1487657117144_163664"><p class="MsoNormal m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="background:white"><span class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="color:black;font-family:"helvetica",sans-serif;font-size:13.5pt"><a href="tel:+254%20713%20601113" value="+254713601113" target="_blank">+254 0713 601113</a> <u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u><u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u></span></p></div><div class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" id="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275m_-1177263127753655928yui_3_16_0_ym19_1_1487657117144_163662"><p class="MsoNormal m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="background:white"><span class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="color:black;font-family:"helvetica",sans-serif;font-size:13.5pt"><u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u> <u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u></span></p></div><div class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"><div class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"><p class="MsoNormal m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="background:white"><span class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="color:black;font-family:"helvetica",sans-serif;font-size:12pt">Twitter: @AliHKassim<u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u><u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u></span></p></div><div class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"><p class="MsoNormal m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="background:white"><span class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="color:black;font-family:"helvetica",sans-serif;font-size:12pt">Skype: abu-jomo<u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u><u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u></span></p></div><div class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"><p class="MsoNormal m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="background:white"><span class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="color:black;font-family:"helvetica",sans-serif;font-size:12pt">LinkedIn: <a class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" href="http://ke.linkedin.com/in/alihkassim" target="_blank">http://ke.linkedin.c<wbr>om/in/alihkassim</a><u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u><u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u></span></p></div><p class="MsoNormal m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="background:white"><span class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="color:black;font-family:"helvetica",sans-serif;font-size:12pt"><u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u> <u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u></span></p></div><div class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"><p class="MsoNormal m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="background:white"><span class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="color:black;font-family:"helvetica",sans-serif;font-size:12pt">"We are what we repeatedly do. Excellence, therefore, is not an act but a habit." ~ Aristotle<u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u><u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u></span></p></div><div class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"><p class="MsoNormal m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="background:white"><span class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="color:black;font-family:"helvetica",sans-serif;font-size:12pt"><u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u> <u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u></span></p></div><div class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" id="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275m_-1177263127753655928yui_3_16_0_ym19_1_1487657117144_163654"><p class="MsoNormal m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="background:white"><span class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="color:black;font-family:"helvetica",sans-serif;font-size:12pt"><u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u> <u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u></span></p></div><p class="MsoNormal m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="background:white"><span class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="color:black;font-family:"helvetica",sans-serif;font-size:12pt">Sent from my iPad<u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u><u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u></span></p></div><div class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"><p class="MsoNormal m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="background:white;margin-bottom:12pt"><span class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="color:black;font-family:"helvetica",sans-serif;font-size:12pt"><br class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg">On 22 Feb 2017, at 5:27 AM, Barrack Otieno <<a class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" href="mailto:otieno.barrack@gmail.com" target="_blank">otieno.barrack@gmail.com</a>> wrote:<u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u><u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u></span></p></div><blockquote class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" id="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275m_-1177263127753655928yui_3_16_0_ym19_1_1487657117144_163642" style="margin-top:5pt;margin-bottom:5pt"><div class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" id="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275m_-1177263127753655928yui_3_16_0_ym19_1_1487657117144_163641"><p class="MsoNormal m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="background:white"><span class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="color:black;font-family:"helvetica",sans-serif;font-size:12pt">Hi colleagues,<br class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"><br class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg">I need an explanation like a two year old on this whole dominance<br class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg">debate. Maybe Walu can help me here. Safaricom was a subsidiary of<br class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg">Telkom Kenya focused on the mobile phone (GSM) Segment. Looking back<br class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg">into the past and as a result of Liberization, the then giant Kenya<br class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg">Posts and Telecommunications Corporation was split into , Telkom<br class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg">Kenya, Communications Authority of Kenya (CCK then as the regulator<br class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg">and Posta to handle the post office. We need to step back and<br class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg">interrogate the real reasons as to why Progress of Telkom Kenya and<br class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg">Posta has backfired in a maximum of ten bullet points. On the other<br class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg">hand, we also need to figure out how Safaricom (a subsidiary of Telkom<br class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg">Kenya which is now a public company bolted out of the stable and<br class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg">became a success). My simple questions:<br class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"><br class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg">1. Will a split of Safaricom yield the desired effect?<br class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg">2. Is it in the interest of Safaricom (the company or organization<br class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg">that is a legally recognized person by the laws of the land to split<br class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg">so as to suit the competition.<br class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg">3. Can someone share case studies of where this has worked before?<br class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"><br class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg">Walu or anyone as old as Kenya Posts and Telecommunication Corporation<br class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg">please help.<br class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"><br class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg">Following...<br class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"><br class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg">On 2/22/17, Ali Hussein via kictanet <<a class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" href="mailto:kictanet@lists.kictanet.or.ke" target="_blank">kictanet@lists.kictanet.or.ke</a><wbr>> wrote:<br class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"><br class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"><u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u><u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u></span></p><blockquote class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="margin-top:5pt;margin-bottom:5pt"><p class="MsoNormal m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="background:white"><span class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="color:black;font-family:"helvetica",sans-serif;font-size:12pt">@Mwendwa and all<u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u><u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u></span></p></blockquote><blockquote class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="margin-top:5pt;margin-bottom:5pt"><p class="MsoNormal m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="background:white"><span class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="color:black;font-family:"helvetica",sans-serif;font-size:12pt"><u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u> <u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u></span></p></blockquote><blockquote class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="margin-top:5pt;margin-bottom:5pt"><p class="MsoNormal m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="background:white"><span class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="color:black;font-family:"helvetica",sans-serif;font-size:12pt">it looks like that's what the consultant is suggesting.<u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u><u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u></span></p></blockquote><blockquote class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="margin-top:5pt;margin-bottom:5pt"><p class="MsoNormal m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="background:white"><span class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="color:black;font-family:"helvetica",sans-serif;font-size:12pt"><u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u> <u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u></span></p></blockquote><blockquote class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="margin-top:5pt;margin-bottom:5pt"><p class="MsoNormal m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="background:white"><span class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="color:black;font-family:"helvetica",sans-serif;font-size:12pt">Here are two other excerpts from the report that I find interesting:-<u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u><u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u></span></p></blockquote><blockquote class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="margin-top:5pt;margin-bottom:5pt"><p class="MsoNormal m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="background:white"><span class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="color:black;font-family:"helvetica",sans-serif;font-size:12pt"><u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u> <u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u></span></p></blockquote><blockquote class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="margin-top:5pt;margin-bottom:5pt"><p class="MsoNormal m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="background:white"><span class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="color:black;font-family:"helvetica",sans-serif;font-size:12pt">The most draconian of the prescriptions is the proposal to functionally<u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u><u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u></span></p></blockquote><blockquote class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="margin-top:5pt;margin-bottom:5pt"><p class="MsoNormal m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="background:white"><span class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="color:black;font-family:"helvetica",sans-serif;font-size:12pt">separate M-Pesa from Safaricom. This is tantamount to proposing a break-up<u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u><u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u></span></p></blockquote><blockquote class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="margin-top:5pt;margin-bottom:5pt"><p class="MsoNormal m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="background:white"><span class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="color:black;font-family:"helvetica",sans-serif;font-size:12pt">of Safaricom because in terms of growth revenues, M-Pesa is on track to<u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u><u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u></span></p></blockquote><blockquote class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="margin-top:5pt;margin-bottom:5pt"><p class="MsoNormal m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="background:white"><span class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="color:black;font-family:"helvetica",sans-serif;font-size:12pt">reach 50 per cent of the company’s net revenues. The consultants have also<u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u><u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u></span></p></blockquote><blockquote class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="margin-top:5pt;margin-bottom:5pt"><p class="MsoNormal m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="background:white"><span class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="color:black;font-family:"helvetica",sans-serif;font-size:12pt">proposed what they call “mandatory wallet-to wallet interoperability”, a<u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u><u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u></span></p></blockquote><blockquote class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="margin-top:5pt;margin-bottom:5pt"><p class="MsoNormal m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="background:white"><span class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="color:black;font-family:"helvetica",sans-serif;font-size:12pt">system where a consumer can keep cloud accounts across the platforms of<u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u><u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u></span></p></blockquote><blockquote class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="margin-top:5pt;margin-bottom:5pt"><p class="MsoNormal m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="background:white"><span class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="color:black;font-family:"helvetica",sans-serif;font-size:12pt">different mobile companies, making it possible to move and shift money<u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u><u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u></span></p></blockquote><blockquote class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="margin-top:5pt;margin-bottom:5pt"><p class="MsoNormal m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="background:white"><span class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="color:black;font-family:"helvetica",sans-serif;font-size:12pt">between accounts as one chooses.<u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u><u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u></span></p></blockquote><blockquote class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="margin-top:5pt;margin-bottom:5pt"><p class="MsoNormal m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="background:white"><span class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="color:black;font-family:"helvetica",sans-serif;font-size:12pt"><u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u> <u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u></span></p></blockquote><blockquote class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="margin-top:5pt;margin-bottom:5pt"><p class="MsoNormal m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="background:white"><span class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="color:black;font-family:"helvetica",sans-serif;font-size:12pt">I have said before and I'm happy to repeat this again. Separating M-Pesa<u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u><u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u></span></p></blockquote><blockquote class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="margin-top:5pt;margin-bottom:5pt"><p class="MsoNormal m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="background:white"><span class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="color:black;font-family:"helvetica",sans-serif;font-size:12pt">from Safaricom should not be forced on Safaricom. In my humble opinion<u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u><u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u></span></p></blockquote><blockquote class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="margin-top:5pt;margin-bottom:5pt"><p class="MsoNormal m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="background:white"><span class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="color:black;font-family:"helvetica",sans-serif;font-size:12pt">Safaricom should by now have done this voluntarily as a strategic imperative<u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u><u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u></span></p></blockquote><blockquote class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="margin-top:5pt;margin-bottom:5pt"><p class="MsoNormal m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="background:white"><span class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="color:black;font-family:"helvetica",sans-serif;font-size:12pt">to transform itself into the De-Facto National (Regional) Mobile Payment<u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u><u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u></span></p></blockquote><blockquote class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="margin-top:5pt;margin-bottom:5pt"><p class="MsoNormal m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="background:white"><span class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="color:black;font-family:"helvetica",sans-serif;font-size:12pt">System. I think the lost opportunity here can be seen by the KBA launching a<u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u><u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u></span></p></blockquote><blockquote class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="margin-top:5pt;margin-bottom:5pt"><p class="MsoNormal m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="background:white"><span class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="color:black;font-family:"helvetica",sans-serif;font-size:12pt">rival Mobile Platform called PesaLink.<u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u><u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u></span></p></blockquote><blockquote class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="margin-top:5pt;margin-bottom:5pt"><p class="MsoNormal m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="background:white"><span class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="color:black;font-family:"helvetica",sans-serif;font-size:12pt"><u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u> <u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u></span></p></blockquote><blockquote class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="margin-top:5pt;margin-bottom:5pt"><p class="MsoNormal m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="background:white"><span class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="color:black;font-family:"helvetica",sans-serif;font-size:12pt">The mandatory 'Wallet to Wallet' interoperability is an interesting angle<u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u><u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u></span></p></blockquote><blockquote class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="margin-top:5pt;margin-bottom:5pt"><p class="MsoNormal m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="background:white"><span class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="color:black;font-family:"helvetica",sans-serif;font-size:12pt">and needs to seriously be considered. This sort of compliments my point<u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u><u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u></span></p></blockquote><blockquote class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="margin-top:5pt;margin-bottom:5pt"><p class="MsoNormal m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="background:white"><span class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="color:black;font-family:"helvetica",sans-serif;font-size:12pt">above.<u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u><u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u></span></p></blockquote><blockquote class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="margin-top:5pt;margin-bottom:5pt"><p class="MsoNormal m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="background:white"><span class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="color:black;font-family:"helvetica",sans-serif;font-size:12pt"><u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u> <u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u></span></p></blockquote><blockquote class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="margin-top:5pt;margin-bottom:5pt"><p class="MsoNormal m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="background:white"><span class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="color:black;font-family:"helvetica",sans-serif;font-size:12pt">They have also recommended a system that they call “agent to agent<u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u><u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u></span></p></blockquote><blockquote class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="margin-top:5pt;margin-bottom:5pt"><p class="MsoNormal m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="background:white"><span class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="color:black;font-family:"helvetica",sans-serif;font-size:12pt">interoperability”, where agents will be able to support multiple mobile<u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u><u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u></span></p></blockquote><blockquote class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="margin-top:5pt;margin-bottom:5pt"><p class="MsoNormal m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="background:white"><span class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="color:black;font-family:"helvetica",sans-serif;font-size:12pt">money platforms using what is described in technical language as “a single<u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u><u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u></span></p></blockquote><blockquote class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="margin-top:5pt;margin-bottom:5pt"><p class="MsoNormal m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="background:white"><span class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="color:black;font-family:"helvetica",sans-serif;font-size:12pt">float”.<u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u><u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u></span></p></blockquote><blockquote class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="margin-top:5pt;margin-bottom:5pt"><p class="MsoNormal m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="background:white"><span class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="color:black;font-family:"helvetica",sans-serif;font-size:12pt"><u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u> <u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u></span></p></blockquote><blockquote class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="margin-top:5pt;margin-bottom:5pt"><p class="MsoNormal m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="background:white"><span class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="color:black;font-family:"helvetica",sans-serif;font-size:12pt">This is certainly interesting. In as much as this supports the notion of<u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u><u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u></span></p></blockquote><blockquote class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="margin-top:5pt;margin-bottom:5pt"><p class="MsoNormal m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="background:white"><span class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="color:black;font-family:"helvetica",sans-serif;font-size:12pt">'User or Customer Experience' I think the Regulator and the Telcos should<u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u><u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u></span></p></blockquote><blockquote class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="margin-top:5pt;margin-bottom:5pt"><p class="MsoNormal m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="background:white"><span class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="color:black;font-family:"helvetica",sans-serif;font-size:12pt">work towards ensuring this becomes a reality. In essence this could be a<u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u><u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u></span></p></blockquote><blockquote class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="margin-top:5pt;margin-bottom:5pt"><p class="MsoNormal m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="background:white"><span class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="color:black;font-family:"helvetica",sans-serif;font-size:12pt">solution to the allegations that Safaricom discourages its agent network<u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u><u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u></span></p></blockquote><blockquote class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="margin-top:5pt;margin-bottom:5pt"><p class="MsoNormal m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="background:white"><span class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="color:black;font-family:"helvetica",sans-serif;font-size:12pt">from dealing with rival Telcos.<u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u><u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u></span></p></blockquote><blockquote class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="margin-top:5pt;margin-bottom:5pt"><p class="MsoNormal m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="background:white"><span class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="color:black;font-family:"helvetica",sans-serif;font-size:12pt"><u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u> <u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u></span></p></blockquote><blockquote class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="margin-top:5pt;margin-bottom:5pt"><p class="MsoNormal m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="background:white"><span class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="color:black;font-family:"helvetica",sans-serif;font-size:12pt">Lastly, I would largely concur with Jaindi Ksero's conclusion (sort of) that<u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u><u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u></span></p></blockquote><blockquote class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="margin-top:5pt;margin-bottom:5pt"><p class="MsoNormal m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="background:white"><span class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="color:black;font-family:"helvetica",sans-serif;font-size:12pt">the Consultant has displayed a lack of knowledge in the functioning of our<u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u><u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u></span></p></blockquote><blockquote class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="margin-top:5pt;margin-bottom:5pt"><p class="MsoNormal m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="background:white"><span class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="color:black;font-family:"helvetica",sans-serif;font-size:12pt">national payments system. I would however like to add one for the road:-<u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u><u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u></span></p></blockquote><blockquote class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="margin-top:5pt;margin-bottom:5pt"><p class="MsoNormal m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="background:white"><span class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="color:black;font-family:"helvetica",sans-serif;font-size:12pt"><u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u> <u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u></span></p></blockquote><blockquote class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="margin-top:5pt;margin-bottom:5pt"><p class="MsoNormal m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="background:white"><span class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="color:black;font-family:"helvetica",sans-serif;font-size:12pt">Are our Regulators (CA, CAK and CBK) prepared to empower, grow and regulate<u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u><u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u></span></p></blockquote><blockquote class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="margin-top:5pt;margin-bottom:5pt"><p class="MsoNormal m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="background:white"><span class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="color:black;font-family:"helvetica",sans-serif;font-size:12pt">with a light touch the seemingly fluid Telco, Banking, Payments and Fintech<u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u><u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u></span></p></blockquote><blockquote class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="margin-top:5pt;margin-bottom:5pt"><p class="MsoNormal m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="background:white"><span class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="color:black;font-family:"helvetica",sans-serif;font-size:12pt">Spaces while ensuring that:-<u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u><u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u></span></p></blockquote><blockquote class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="margin-top:5pt;margin-bottom:5pt"><p class="MsoNormal m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="background:white"><span class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="color:black;font-family:"helvetica",sans-serif;font-size:12pt"><u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u> <u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u></span></p></blockquote><blockquote class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="margin-top:5pt;margin-bottom:5pt"><p class="MsoNormal m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="background:white"><span class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="color:black;font-family:"helvetica",sans-serif;font-size:12pt">a) They embrace innovation and new thinking while protecting National<u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u><u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u></span></p></blockquote><blockquote class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="margin-top:5pt;margin-bottom:5pt"><p class="MsoNormal m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="background:white"><span class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="color:black;font-family:"helvetica",sans-serif;font-size:12pt">Interests and consumers at the same time?<u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u><u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u></span></p></blockquote><blockquote class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="margin-top:5pt;margin-bottom:5pt"><p class="MsoNormal m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="background:white"><span class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="color:black;font-family:"helvetica",sans-serif;font-size:12pt"><u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u> <u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u></span></p></blockquote><blockquote class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="margin-top:5pt;margin-bottom:5pt"><p class="MsoNormal m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="background:white"><span class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="color:black;font-family:"helvetica",sans-serif;font-size:12pt">b) They work together without resorting to Turf Wars as evidenced in the<u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u><u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u></span></p></blockquote><blockquote class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="margin-top:5pt;margin-bottom:5pt"><p class="MsoNormal m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="background:white"><span class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="color:black;font-family:"helvetica",sans-serif;font-size:12pt">tiff between the CA and the CAK in 2015.<u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u><u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u></span></p></blockquote><blockquote class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="margin-top:5pt;margin-bottom:5pt"><p class="MsoNormal m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="background:white"><span class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="color:black;font-family:"helvetica",sans-serif;font-size:12pt"><a class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" href="http://www.businessdailyafrica.com/Corporate-News/Competition--telecoms-watchdogs-to-seek-truce-over-Safaricom-/539550-2707286-lqu5sez/index.html" target="_blank">http://www.businessdailyafrica<wbr>.com/Corporate-News/Competitio<wbr>n--telecoms-watchdogs-to-seek-<wbr>truce-over-Safaricom-/539550-2<wbr>707286-lqu5sez/index.html</a><u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u><u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u></span></p></blockquote><blockquote class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="margin-top:5pt;margin-bottom:5pt"><p class="MsoNormal m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="background:white"><span class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="color:black;font-family:"helvetica",sans-serif;font-size:12pt"><u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u> <u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u></span></p></blockquote><blockquote class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="margin-top:5pt;margin-bottom:5pt"><p class="MsoNormal m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="background:white"><span class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="color:black;font-family:"helvetica",sans-serif;font-size:12pt">c) They consider creating a Joint Task Force to monitor, encourage and<u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u><u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u></span></p></blockquote><blockquote class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="margin-top:5pt;margin-bottom:5pt"><p class="MsoNormal m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="background:white"><span class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="color:black;font-family:"helvetica",sans-serif;font-size:12pt">empower players in the spaces mentioned to become Regional and Global<u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u><u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u></span></p></blockquote><blockquote class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="margin-top:5pt;margin-bottom:5pt"><p class="MsoNormal m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="background:white"><span class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="color:black;font-family:"helvetica",sans-serif;font-size:12pt">Players? I have often wondered aloud about the CBK's core mandate of<u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u><u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u></span></p></blockquote><blockquote class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="margin-top:5pt;margin-bottom:5pt"><p class="MsoNormal m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="background:white"><span class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="color:black;font-family:"helvetica",sans-serif;font-size:12pt">protecting Depositors' funds and wondered (again aloud) whether this mandate<u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u><u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u></span></p></blockquote><blockquote class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="margin-top:5pt;margin-bottom:5pt"><p class="MsoNormal m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="background:white"><span class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="color:black;font-family:"helvetica",sans-serif;font-size:12pt">is outdated and that it should be expanded to that of becoming an empowering<u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u><u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u></span></p></blockquote><blockquote class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="margin-top:5pt;margin-bottom:5pt"><p class="MsoNormal m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="background:white"><span class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="color:black;font-family:"helvetica",sans-serif;font-size:12pt">public entity that encourages research, innovation and entrepreneurship in<u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u><u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u></span></p></blockquote><blockquote class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="margin-top:5pt;margin-bottom:5pt"><p class="MsoNormal m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="background:white"><span class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="color:black;font-family:"helvetica",sans-serif;font-size:12pt">the burgeoning convergence of Banking, Telcos, Payments and Fintech Spaces.<u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u><u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u></span></p></blockquote><blockquote class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="margin-top:5pt;margin-bottom:5pt"><p class="MsoNormal m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="background:white"><span class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="color:black;font-family:"helvetica",sans-serif;font-size:12pt">d) Regulatory tools need to be rebooted and upgraded to reflect the times.<u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u><u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u></span></p></blockquote><blockquote class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="margin-top:5pt;margin-bottom:5pt"><p class="MsoNormal m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="background:white"><span class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="color:black;font-family:"helvetica",sans-serif;font-size:12pt">The current scenarios are such that one doesn't even know anymore which<u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u><u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u></span></p></blockquote><blockquote class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="margin-top:5pt;margin-bottom:5pt"><p class="MsoNormal m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="background:white"><span class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="color:black;font-family:"helvetica",sans-serif;font-size:12pt">industry one operates in.<u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u><u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u></span></p></blockquote><blockquote class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="margin-top:5pt;margin-bottom:5pt"><p class="MsoNormal m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="background:white"><span class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="color:black;font-family:"helvetica",sans-serif;font-size:12pt"><u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u> <u class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg"></u></span></p></blockquote><blockquote class="m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="margin-top:5pt;margin-bottom:5pt"><p class="MsoNormal m_1446240969581257442gmail-m_-443862811092835926m_1086544996233499804m_3158687400263463275gmail_msg" style="background:white"></p></blockquote></div></blockquote></div></div></div></div></div></div></div></div></blockquote></div></div></div></blockquote></div></div></div><br>______________________________<wbr>_________________<br>
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