<html><head><meta http-equiv="content-type" content="text/html; charset=utf-8"></head><body dir="auto"><div><span></span></div><div><div>Barrack</div><div><br></div><div>You've raised a very pertinent question. This new Interbank thingi..</div><div><br></div><div>I have said many times before that the Regulators of the world need to update their tools to fit the new reality.</div><div><br></div><div>Let me explain. Until last month I used to take the tortuous route (it takes 12 steps minimum to make a payment via mpesa) of paying my bills via mpesa. Then came Mula. </div><div><br></div><div><a href="https://play.google.com/store/apps/details?id=com.cellulant.consumerapp&hl=en">https://play.google.com/store/apps/details?id=com.cellulant.consumerapp&hl=en</a></div><div><br></div><div>So now I use Mula to pay all my bills. And I suspect that soon I will use it for all other payment related activities. Why did I do this? </div><div><br></div><div>1. Because I own Mula or just like them? NO. It's because they have dealt with a serious issue that plagues payment platforms in this country - User Experience. Seamless. It even reminds me when my bills are due..And the integration with billers? (KPLC, Zulu etc) Sweet..</div><div><br></div><div>2. Did I need CA, CAK, MOICT and other acronyms to tell me about Mula? Or to Vuka? Again NO. Did Mpesa get forced to integrate with Mula? Nope. </div><div><br></div><div>You get my drift.. Dominance is for the lazy..Safaricom will either be forced by market forces to improve (as they continue to do) or they will go the way of YU and the Dodo..It's that simple..</div><div><br><div><div><span style="-webkit-tap-highlight-color: rgba(26, 26, 26, 0.294118); -webkit-composition-fill-color: rgba(175, 192, 227, 0.231373);"><b>Ali Hussein</b></span></div><div><b style="background-color: rgba(255, 255, 255, 0);">Hussein & Associates</b></div><div style="font-family: Helvetica; font-size: medium; -webkit-tap-highlight-color: rgba(26, 26, 26, 0.296875); -webkit-composition-fill-color: rgba(175, 192, 227, 0.230469); -webkit-composition-frame-color: rgba(77, 128, 180, 0.230469); -webkit-text-size-adjust: auto; ">+254 0713 601113 / 0770906375</div><div style="font-family: Helvetica; font-size: medium; -webkit-tap-highlight-color: rgba(26, 26, 26, 0.296875); -webkit-composition-fill-color: rgba(175, 192, 227, 0.230469); -webkit-composition-frame-color: rgba(77, 128, 180, 0.230469); -webkit-text-size-adjust: auto; "><br></div><div><p style="margin: 0in 0in 0pt;"><span style="background-color: rgba(255, 255, 255, 0);">Twitter: @AliHKassim</span></p><span style="background-color: rgba(255, 255, 255, 0);"><font></font></span><p style="margin: 0in 0in 0pt;"><span style="background-color: rgba(255, 255, 255, 0);">Skype: abu-jomo</span></p><p style="margin: 0in 0in 0pt;"><span style="background-color: rgba(255, 255, 255, 0);">LinkedIn: <a href="http://ke.linkedin.com/in/alihkassim" target="_blank">http://ke.linkedin.com/in/alihkassim</a><a href="http://ke.linkedin.com/in/alihkassim" target="_blank"><span style="text-decoration: none;"></span></a></span></p><span style="background-color: rgba(255, 255, 255, 0);"><font></font></span><p style="margin: 0in 0in 0pt;"></p><font><span style="background-color: rgba(255, 255, 255, 0);">Blog: <a href="http://www.alyhussein.com/" target="_blank">www.alyhussein.com</a></span><br></font></div><div><span style="-webkit-tap-highlight-color: rgba(26, 26, 26, 0.292969); -webkit-composition-fill-color: rgba(175, 192, 227, 0.230469); -webkit-composition-frame-color: rgba(77, 128, 180, 0.230469); "><br></span></div><div>"Discovery consists in seeing what everyone else has seen and thinking what no one else has thought". ~ Albert Szent-Györgyi</div><div><span style="-webkit-tap-highlight-color: rgba(26, 26, 26, 0.294118); -webkit-composition-fill-color: rgba(175, 192, 227, 0.231373);"><br></span></div>Sent from my iPad</div></div><div><br>On 16 Mar 2017, at 10:32 AM, Barrack Otieno <<a href="mailto:otieno.barrack@gmail.com">otieno.barrack@gmail.com</a>> wrote:<br><br></div><blockquote type="cite"><div><p>Agreed Ali, thanks Kanini for the feedback</p>
<p>I think some of them are business decisions that will determine the survival or collapse of the enterprise. What is your take on the new interbank service by KBA in light of this dominance debate?</p>
<p>Regards</p>
<div class="gmail_quote">On Mar 16, 2017 8:24 AM, "Admin CampusCiti" <<a href="mailto:info@campusciti.com">info@campusciti.com</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="auto"><div>Barrack</div><div id="m_3526744862430315314AppleMailSignature"><br></div><div id="m_3526744862430315314AppleMailSignature">It's a good economic argument for Safaricom if nothing else. But yes, I do agree this shouldn't be forced on them. They should have that choice. Just like any bank has a choice not to have their ATMs connected to other banks..despite the KBA and the Clearing house. There will come a time that Mpesa will wish they had made the system agnostic to all service provides and charge a small fee for it..<br><br><div><span><b>Ali Hussein</b></span></div><div><b style="background-color:rgba(255,255,255,0)">Hussein & Associates</b></div><div style="font-family:Helvetica;font-size:medium"><a href="tel:0713%20601113" value="+254713601113" target="_blank">+254 0713 601113</a> / <a href="tel:0770%20906375" value="+254770906375" target="_blank">0770906375</a></div><div style="font-family:Helvetica;font-size:medium"><br></div><div><p style="margin:0in 0in 0pt"><span style="background-color:rgba(255,255,255,0)">Twitter: @AliHKassim</span></p><span style="background-color:rgba(255,255,255,0)"><font></font></span><p style="margin:0in 0in 0pt"><span style="background-color:rgba(255,255,255,0)">Skype: abu-jomo</span></p><p style="margin:0in 0in 0pt"><span style="background-color:rgba(255,255,255,0)">LinkedIn: <a href="http://ke.linkedin.com/in/alihkassim" target="_blank">http://ke.linkedin.<wbr>com/in/alihkassim</a><a href="http://ke.linkedin.com/in/alihkassim" target="_blank"><span style="text-decoration:none"></span></a></span></p><span style="background-color:rgba(255,255,255,0)"><font></font></span><p style="margin:0in 0in 0pt"></p><font><span style="background-color:rgba(255,255,255,0)">Blog: <a href="http://www.alyhussein.com/" target="_blank">www.alyhussein.com</a></span><br></font></div><div><span><br></span></div><div>"Discovery consists in seeing what everyone else has seen and thinking what no one else has thought". ~ Albert Szent-Györgyi</div><div><span><br></span></div>Sent from my iPad</div><div><br>On 16 Mar 2017, at 9:39 AM, Barrack Otieno via kictanet <<a href="mailto:kictanet@lists.kictanet.or.ke" target="_blank">kictanet@lists.kictanet.or.ke</a><wbr>> wrote:<br><br></div><blockquote type="cite"><div><p>Its like coming to my house and suggesting that the TV i bought for my family is a public good. Safaricom has rights over Mpesa including terminating its use, we have airtelmoney, Orangemoney, i cant get the argument. If i want Safaricom products i move to the network.</p>
<p>Regards</p>
<div class="gmail_quote">On Mar 16, 2017 7:27 AM, "kanini mutemi via kictanet" <<a href="mailto:kictanet@lists.kictanet.or.ke" target="_blank">kictanet@lists.kictanet.or.ke</a><wbr>> 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 class="gmail_default" style="font-family:georgia,serif">Yes. I agree with the proposal for interoperability. In my mind, Safaricom communication services and M-PESA are different services. Requiring that one subscribe to the first (Safaricom network) to access the benefits of the second (M-PESA) amounts to tying. This also applies to a lot of the M-products that run exclusively on that platform. <br></div></div><div class="gmail_extra"><br><div class="gmail_quote">On Thu, Mar 16, 2017 at 7:43 AM, Ali Hussein 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:0 0 0 .8ex;border-left:1px #ccc solid;padding-left:1ex"><div><div id="m_3526744862430315314m_-2369800670910779142m_1069070428293495156compose-container"><span><span content="Outlook Mobile for iOS"></span></span><div><div>In other words - Interoperability? </div><div><br></div><div>Ali Hussein<br><br><div class="m_3526744862430315314m_-2369800670910779142m_1069070428293495156acompli_signature">Get <a href="https://aka.ms/o0ukef" target="_blank">Outlook for iOS</a></div><br></div></div></div><div><div class="m_3526744862430315314m_-2369800670910779142h5"><br><br><br>
<div class="gmail_quote">On Thu, Mar 16, 2017 at 7:36 AM +0300, "Job Muriuki 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>
<br>
<blockquote class="gmail_quote" style="margin:0 0 0 .8ex;border-left:1px #ccc solid;padding-left:1ex">
<div dir="3D"ltr"">
<div dir="auto">We might be looking at this Safaricom dominance issue wrongly. Let Safaricom run mpesa but have the exclusivity to safaricom numbers removed. </div><div class="gmail_extra"><br><div class="gmail_quote">On 10 Mar 2017 15:01, "Watila Alex via kictanet" <<a href="mailto:kictanet@lists.kictanet.or.ke" target="_blank">kictanet@lists.kictanet.or.ke</a><wbr>> wrote:<br type="attribution"><blockquote class="gmail_quote" style="margin:0 0 0 .8ex;border-left:1px #ccc solid;padding-left:1ex">the question a regulator should ask is - is the dominant player abusing it's position? so in what ways is safaricom abusing thier dominant position?<div id="m_3526744862430315314m_-2369800670910779142m_1069070428293495156m_7346025015880262516yMail_cursorElementTracker_1489147132006"><br></div><div id="m_3526744862430315314m_-2369800670910779142m_1069070428293495156m_7346025015880262516yMail_cursorElementTracker_1489147133039">regards<br><br><div id="m_3526744862430315314m_-2369800670910779142m_1069070428293495156m_7346025015880262516ymail_android_signature"><a href="https://overview.mail.yahoo.com/mobile/?.src=Android" target="_blank">Sent from Yahoo Mail on Android</a></div> <br> <blockquote style="margin:0 0 20px 0"> <header style="font-family:Roboto,sans-serif;color:#6d00f6"> <div>On Fri, 10 Mar 2017 at 10:44, kanini mutemi via kictanet</div><div><<a href="mailto:kictanet@lists.kictanet.or.ke" target="_blank">kictanet@lists.kictanet.or.ke</a><wbr>> wrote:</div> </header> <div style="padding:10px 0 0 20px;margin:10px 0 0 0;border-left:1px solid #6d00f6"> ______________________________<wbr>_________________<br clear="none">kictanet mailing list<br clear="none"><a shape="rect" href="mailto:kictanet@lists.kictanet.or.ke" target="_blank">kictanet@lists.kictanet.or.ke</a><br clear="none"><a shape="rect" href="https://lists.kictanet.or.ke/mailman/listinfo/kictanet" target="_blank">https://lists.kictanet.or.ke/m<wbr>ailman/listinfo/kictanet</a><br clear="none">Twitter: <a shape="rect" href="http://twitter.com/kictanet" target="_blank">http://twitter.com/kictanet</a><br clear="none">Facebook: <a shape="rect" href="https://www.facebook.com/KICTANet/" target="_blank">https://www.facebook.com/KICTA<wbr>Net/</a><br clear="none"><br clear="none">Unsubscribe or change your options at <a shape="rect" href="https://lists.kictanet.or.ke/mailman/options/kictanet/awatila%40yahoo.co.uk" target="_blank">https://lists.kictanet.or.ke/m<wbr>ailman/options/kictanet/awatil<wbr>a%40yahoo.co.uk</a><br clear="none"><br clear="none">The Kenya ICT Action Network (KICTANet) is a multi-stakeholder platform for people and institutions interested and involved in ICT policy and regulation. The network aims to act as a catalyst for reform in the ICT sector in support of the national aim of ICT enabled growth and development.<br clear="none"><br clear="none">KICTANetiquette : Adhere to the same standards of acceptable behaviors online that you follow in real life: respect people's times and bandwidth, share knowledge, don't flame or abuse or personalize, respect privacy, do not spam, do not market your wares or qualifications. </div> </blockquote></div><br>______________________________<wbr>_________________<br>
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