<div dir="ltr"><div class="gmail_default" style="font-family:georgia,serif">Listers</div><div class="gmail_default" style="font-family:georgia,serif"><br></div><div class="gmail_default" style="font-family:georgia,serif">Interesting development. The Telco sector with policy push from MOICT is finally testing interoperability of Mobile Money across Networks. This is a step in the right direction. This list has long advocated for this. It is gratifying to see that this is happening now. Kudos to MOICT and CS Mucheru for pushing this through. Kudos to the telcos for making it happen.</div><div class="gmail_default" style="font-family:georgia,serif"><br></div><div class="gmail_default" style="font-family:georgia,serif">I'm however curious as to the headline of the story:-</div><div class="gmail_default" style="font-family:georgia,serif"><br></div><div class="gmail_default" style="font-family:georgia,serif"><a href="https://businesstoday.co.ke/mobile-money-deal-spells-doom-m-pesa/">Mobile Money deal spells doom to M-Pesa</a></div><div class="gmail_default" style="font-family:georgia,serif"><br></div><div class="gmail_default" style="font-family:georgia,serif">Interoperability may very well cement and increase M-Pesa's dominance in the space. This battle is not going to be won on the promise of withdrawing and sending money. Increasingly people want convenience beyond cash-outs and peer to peer transfers. The players who will win are those who understand and execute the following:-</div><div class="gmail_default" style="font-family:georgia,serif"><br></div><div class="gmail_default" style="font-family:georgia,serif">1. Super Focus on the customer</div><div class="gmail_default" style="font-family:georgia,serif">2. A one stop shop Virtual Bank - Payments, deposits, savings etc. </div><div class="gmail_default" style="font-family:georgia,serif">3. Brand Equity built on the principle that the customer ALWAYS comes first. </div><div class="gmail_default" style="font-family:georgia,serif"><br></div><div class="gmail_default" style="font-family:georgia,serif">My sense is that the interoperability 'promise' for laggard brands will go the way of the Number Porting Promise. There is no short cut to succeeding in business and serving your customer with excellence. For those expecting the government to help them vanquish their business rivals they have a long way to wait..</div><div class="gmail_default" style="font-family:georgia,serif"><br></div><div class="gmail_default" style="font-family:georgia,serif">The winner here is the customer. The price for the telcos and other mobile money service provider is that you now have a level playing field.. Sort of.. :-) </div><div class="gmail_default" style="font-family:georgia,serif"><br></div><div class="gmail_default" style="font-family:georgia,serif"><br></div><div><div class="gmail_signature" data-smartmail="gmail_signature"><div dir="ltr"><div><div dir="ltr"><div><div dir="ltr"><div><div dir="ltr"><div><div dir="ltr"><div dir="ltr"><p style="margin:0in 0in 0pt"><b><font face="georgia, serif" size="2">Ali
Hussein</font></b></p><p style="margin:0in 0in 0pt"><b><font face="georgia, serif" size="2">Principal</font></b></p><p style="margin:0in 0in 0pt"><font face="georgia, serif" size="2"><b>Hussein & Associates</b></font></p><font size="2">

</font><p style="margin:0in 0in 0pt"><font size="2"> </font></p><p style="margin:0in 0in 0pt"><font size="2"><span style="font-family:georgia,serif"><span>T<font size="2">el: +254 713 60<font size="2">1113</font></font><br></span></span></font></p><p style="margin:0in 0in 0pt"><font size="2"><span style="font-family:georgia,serif"><span>Twitter: @AliHKassim</span><span></span></span></font></p><font size="2"><span style="font-family:georgia,serif">

</span></font><p style="margin:0in 0in 0pt"><font size="2"><span style="font-family:georgia,serif"><span>Skype: abu-jomo</span></span></font></p><p style="margin:0in 0in 0pt"><font size="2"><span style="font-family:georgia,serif"><span>LinkedIn: <a href="http://ke.linkedin.com/in/alihkassim" target="_blank">http://ke.linkedin.com/in/alihkassim</a></span><a href="http://ke.linkedin.com/in/alihkassim" target="_blank"><span style="color:windowtext;text-decoration:none"></span></a></span></font></p><p style="margin:0in 0in 0pt"><font size="2"><span style="font-family:georgia,serif"><br></span></font></p><p style="font-size:small;margin:0cm 0cm 0.0001pt;background-image:initial;background-position:initial;background-repeat:initial"><span style="font-size:9pt;font-family:georgia;color:black">13th Floor , Delta Towers, Oracle Wing,</span><span style="font-size:9.5pt;font-family:arial"></span></p><p style="font-size:small;margin:0cm 0cm 0.0001pt;background-image:initial;background-position:initial;background-repeat:initial"><span style="font-size:9pt;font-family:georgia;color:black">Chiromo Road, Westlands,</span><span style="font-size:9.5pt;font-family:arial"></span></p><p style="font-size:small;margin:0cm 0cm 0.0001pt;background-image:initial;background-position:initial;background-repeat:initial"><span style="font-size:9pt;font-family:georgia;color:black">Nairobi, Kenya.</span></p><font size="2"><span style="font-family:georgia,serif"><span><br><font size="1">Any information of a personal nature expressed in this email are purely mine and do not necessarily reflect the official positions of the organizations that I work with.</font></span></span></font><span style="font-family:"Baskerville Old Face","serif";font-size:11pt"></span><span style="font-size:11pt"></span>

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