<html xmlns:v="urn:schemas-microsoft-com:vml" xmlns:o="urn:schemas-microsoft-com:office:office" xmlns:w="urn:schemas-microsoft-com:office:word" xmlns:m="http://schemas.microsoft.com/office/2004/12/omml" xmlns="http://www.w3.org/TR/REC-html40">
<head>
<meta http-equiv="Content-Type" content="text/html; charset=utf-8">
<meta name="Generator" content="Microsoft Word 15 (filtered medium)">
<style><!--
/* Font Definitions */
@font-face
{font-family:SimSun;
panose-1:2 1 6 0 3 1 1 1 1 1;}
@font-face
{font-family:"Cambria Math";
panose-1:2 4 5 3 5 4 6 3 2 4;}
@font-face
{font-family:Calibri;
panose-1:2 15 5 2 2 2 4 3 2 4;}
@font-face
{font-family:"\@SimSun";
panose-1:2 1 6 0 3 1 1 1 1 1;}
@font-face
{font-family:Georgia;
panose-1:2 4 5 2 5 4 5 2 3 3;}
/* Style Definitions */
p.MsoNormal, li.MsoNormal, div.MsoNormal
{margin:0cm;
margin-bottom:.0001pt;
font-size:12.0pt;
font-family:SimSun;}
a:link, span.MsoHyperlink
{mso-style-priority:99;
color:blue;
text-decoration:underline;}
a:visited, span.MsoHyperlinkFollowed
{mso-style-priority:99;
color:purple;
text-decoration:underline;}
p
{mso-style-priority:99;
mso-margin-top-alt:auto;
margin-right:0cm;
mso-margin-bottom-alt:auto;
margin-left:0cm;
font-size:12.0pt;
font-family:SimSun;}
span.EmailStyle18
{mso-style-type:personal-reply;
font-family:"Calibri",sans-serif;
color:#1F497D;}
.MsoChpDefault
{mso-style-type:export-only;
font-family:"Calibri",sans-serif;}
@page WordSection1
{size:612.0pt 792.0pt;
margin:72.0pt 72.0pt 72.0pt 72.0pt;}
div.WordSection1
{page:WordSection1;}
--></style><!--[if gte mso 9]><xml>
<o:shapedefaults v:ext="edit" spidmax="1026" />
</xml><![endif]--><!--[if gte mso 9]><xml>
<o:shapelayout v:ext="edit">
<o:idmap v:ext="edit" data="1" />
</o:shapelayout></xml><![endif]-->
</head>
<body lang="ZH-CN" link="blue" vlink="purple">
<div class="WordSection1">
<p class="MsoNormal"><span lang="EN-US" style="font-size:10.5pt;font-family:"Calibri",sans-serif;color:#1F497D">Ali<o:p></o:p></span></p>
<p class="MsoNormal"><span lang="EN-US" style="font-size:10.5pt;font-family:"Calibri",sans-serif;color:#1F497D">It seems that way, as reliant as whatsapp is on local banks in each country (which limits how many Kenyans have bank accounts and could use it).
So if anything maybe whatsapp pay would be a partner for mpesa, and ride on mpesa’s registered user base and APIs etc?<o:p></o:p></span></p>
<p class="MsoNormal"><span lang="EN-US" style="font-size:10.5pt;font-family:"Calibri",sans-serif;color:#1F497D">Adam<o:p></o:p></span></p>
<p class="MsoNormal"><span lang="EN-US" style="font-size:10.5pt;font-family:"Calibri",sans-serif;color:#1F497D"><o:p> </o:p></span></p>
<p class="MsoNormal"><b><span lang="EN-US" style="font-size:11.0pt;font-family:"Calibri",sans-serif">From:</span></b><span lang="EN-US" style="font-size:11.0pt;font-family:"Calibri",sans-serif"> kictanet [mailto:kictanet-bounces+adam.lane=huawei.com@lists.kictanet.or.ke]
<b>On Behalf Of </b>Ali Hussein via kictanet<br>
<b>Sent:</b> Tuesday, June 16, 2020 12:11 PM<br>
<b>To:</b> Adam Lane <adam.lane@huawei.com><br>
<b>Cc:</b> Ali Hussein <ali@hussein.me.ke><br>
<b>Subject:</b> Re: [kictanet] Disruptive technology: Facebook launches Payments on WhatsApp<o:p></o:p></span></p>
<p class="MsoNormal"><span lang="EN-US"><o:p> </o:p></span></p>
<div>
<div>
<p class="MsoNormal"><span lang="EN-US" style="font-family:"Georgia",serif">Listers<o:p></o:p></span></p>
</div>
<div>
<p class="MsoNormal"><span lang="EN-US" style="font-family:"Georgia",serif"><o:p> </o:p></span></p>
</div>
<div>
<p class="MsoNormal"><span lang="EN-US" style="font-family:"Georgia",serif">My thoughts.<o:p></o:p></span></p>
</div>
<div>
<p class="MsoNormal"><span lang="EN-US" style="font-family:"Georgia",serif"><o:p> </o:p></span></p>
</div>
<div>
<p class="MsoNormal"><span lang="EN-US" style="font-family:"Georgia",serif">Whatsapp Pay is just riding on existing Financial Services Infrastructure with its attendant costs, limitations, and regulatory snafus. The only great innovation here is that they have
2 billion users. See link below to an ongoing discussion on Linkedin.<o:p></o:p></span></p>
</div>
<div>
<p class="MsoNormal"><span lang="EN-US" style="font-family:"Georgia",serif"><o:p> </o:p></span></p>
</div>
<div>
<p class="MsoNormal"><span lang="EN-US" style="font-family:"Georgia",serif"><a href="https://www.linkedin.com/feed/update/urn:li:activity:6678522294119350272/">WhatsApp launches WhatsApp Pay in Brazil</a><o:p></o:p></span></p>
</div>
<div>
<p class="MsoNormal"><span lang="EN-US" style="font-family:"Georgia",serif"><o:p> </o:p></span></p>
</div>
<div>
<p class="MsoNormal"><span lang="EN-US" style="font-family:"Georgia",serif">Regards<o:p></o:p></span></p>
</div>
<div>
<p class="MsoNormal"><span lang="EN-US" style="font-family:"Georgia",serif"><o:p> </o:p></span></p>
</div>
<div>
<div>
<div>
<div>
<div>
<div>
<div>
<div>
<div>
<div>
<div>
<div>
<div>
<p style="margin:0cm;margin-bottom:.0001pt"><b><span lang="EN-US" style="font-size:10.0pt;font-family:"Georgia",serif">Ali Hussein</span></b><span lang="EN-US"><o:p></o:p></span></p>
<p style="margin:0cm;margin-bottom:.0001pt"><span lang="EN-US" style="font-size:10.0pt;font-family:"Georgia",serif">Digital Transformation</span><span lang="EN-US"><o:p></o:p></span></p>
<p style="margin:0cm;margin-bottom:.0001pt"><span lang="EN-US"><o:p> </o:p></span></p>
<p style="margin:0cm;margin-bottom:.0001pt"><span lang="EN-US" style="font-size:10.0pt;font-family:"Georgia",serif">Tel: +254 713 601113</span><span lang="EN-US"><o:p></o:p></span></p>
<p style="margin:0cm;margin-bottom:.0001pt"><span lang="EN-US" style="font-size:10.0pt;font-family:"Georgia",serif">Twitter: @AliHKassim</span><span lang="EN-US"><o:p></o:p></span></p>
<p style="margin:0cm;margin-bottom:.0001pt"><span lang="EN-US" style="font-size:10.0pt;font-family:"Georgia",serif">Skype: abu-jomo</span><span lang="EN-US"><o:p></o:p></span></p>
<p style="margin:0cm;margin-bottom:.0001pt"><span lang="EN-US" style="font-size:10.0pt;font-family:"Georgia",serif">LinkedIn:
<a href="http://ke.linkedin.com/in/alihkassim" target="_blank">http://ke.linkedin.com/in/alihkassim</a></span><span lang="EN-US"><o:p></o:p></span></p>
<p style="margin:0cm;margin-bottom:.0001pt"><span lang="EN-US"><o:p> </o:p></span></p>
<p style="margin:0cm;margin-bottom:.0001pt;background-image:initial;background-position:initial;background-repeat:initial">
<span lang="EN-US"><o:p> </o:p></span></p>
<p class="MsoNormal"><span lang="EN-US" style="font-size:10.0pt;font-family:"Georgia",serif"><br>
</span><span lang="EN-US" style="font-size:7.5pt;font-family:"Georgia",serif">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.</span><span lang="EN-US">
<o:p></o:p></span></p>
</div>
</div>
</div>
</div>
</div>
</div>
</div>
</div>
</div>
</div>
</div>
</div>
</div>
<p class="MsoNormal"><span lang="EN-US"><o:p> </o:p></span></p>
</div>
<p class="MsoNormal"><span lang="EN-US"><o:p> </o:p></span></p>
<div>
<div>
<p class="MsoNormal"><span lang="EN-US">On Tue, Jun 16, 2020 at 11:44 AM Paul Magacha via kictanet <<a href="mailto:kictanet@lists.kictanet.or.ke">kictanet@lists.kictanet.or.ke</a>> wrote:<o:p></o:p></span></p>
</div>
<blockquote style="border:none;border-left:solid #CCCCCC 1.0pt;padding:0cm 0cm 0cm 6.0pt;margin-left:4.8pt;margin-right:0cm">
<div>
<div>
<p class="MsoNormal"><span lang="EN-US">Eric,<o:p></o:p></span></p>
</div>
<div>
<p class="MsoNormal"><span lang="EN-US">True, this is an interesting development and definitely appropriate for the demographic that heavily depends on WhatsApp. <o:p></o:p></span></p>
</div>
<div>
<p class="MsoNormal"><span lang="EN-US"><o:p> </o:p></span></p>
</div>
<div>
<p class="MsoNormal"><span lang="EN-US">For me WhatsApp doesn’t really lend itself well for the kind of e-commerce engagement I’m used to but I definitely see it’s been working well for early adopters populations.<o:p></o:p></span></p>
</div>
<div>
<p class="MsoNormal"><span lang="EN-US"> For example, Kenyans seem to respond well to WhatsApp groups vs Facebook groups. Whereas Facebook allowed threaded conversations which are easy to follow,WhatsApp does yet Kenyans and others are ok having 20 different
active conversations going on in the group. It’s personally too exhausting for me. <o:p></o:p></span></p>
</div>
<div>
<p class="MsoNormal"><span lang="EN-US"><o:p> </o:p></span></p>
</div>
<div>
<p class="MsoNormal"><span lang="EN-US">If the WhatsApp for business offers better conversations moderation then that’d work. Anyway, I am not their demographic so I can’t relate to this product. <o:p></o:p></span></p>
</div>
<div>
<p class="MsoNormal"><span lang="EN-US"><o:p> </o:p></span></p>
</div>
<div>
<p class="MsoNormal"><span lang="EN-US">But again for Kenya we still have a large Kabambe population so mpesa is more practical for that market. I’m sure safaricom is going to work hard to defend that market.<o:p></o:p></span></p>
</div>
<div>
<p class="MsoNormal"><span lang="EN-US">Paul.<o:p></o:p></span></p>
</div>
<p class="MsoNormal"><span lang="EN-US"><o:p> </o:p></span></p>
<div id="gmail-m_1656122883345381076AppleMailSignature">
<p class="MsoNormal"><span lang="EN-US">Sent from my iPhone<o:p></o:p></span></p>
</div>
<div>
<p class="MsoNormal" style="margin-bottom:12.0pt"><span lang="EN-US"><br>
On Jun 16, 2020, at 11:31 AM, Erick Mwangi via kictanet <<a href="mailto:kictanet@lists.kictanet.or.ke" target="_blank">kictanet@lists.kictanet.or.ke</a>> wrote:<o:p></o:p></span></p>
</div>
<blockquote style="margin-top:5.0pt;margin-bottom:5.0pt">
<div>
<div>
<p class="MsoNormal"><span lang="EN-US">Listers,<o:p></o:p></span></p>
<div>
<p class="MsoNormal"><span lang="EN-US"><o:p> </o:p></span></p>
</div>
<div>
<p class="MsoNormal"><span lang="EN-US">Unless govt uses tax mechanisms to make WhatsApp unfavourable in this market, if they were to appear on our shores then it would be Checkmate Safcom, but we all know that can't happen. <o:p></o:p></span></p>
</div>
<div>
<p class="MsoNormal"><span lang="EN-US"><o:p> </o:p></span></p>
</div>
<div>
<p class="MsoNormal"><span lang="EN-US">The exhobitant cost of Mpesa continues to baffle me, Alibaba has free P2P transactions but we are still charged an arm and a leg.<o:p></o:p></span></p>
</div>
<div>
<p class="MsoNormal"><span lang="EN-US"><o:p> </o:p></span></p>
</div>
<div>
<p class="MsoNormal"><span lang="EN-US">Payments of the future are lifestyle based where the friction between entertainment and purchasing does not exist. We have to move beyond SMS based payments. That vertical simply is for yesteryear.<o:p></o:p></span></p>
</div>
<div>
<p class="MsoNormal"><span lang="EN-US"><o:p> </o:p></span></p>
</div>
<div>
<p class="MsoNormal"><span lang="EN-US">Eric <o:p></o:p></span></p>
</div>
</div>
<p class="MsoNormal"><span lang="EN-US"><o:p> </o:p></span></p>
<div>
<div>
<p class="MsoNormal"><span lang="EN-US">On Tue, 16 Jun 2020, 09:14 Paul Magacha via kictanet, <<a href="mailto:kictanet@lists.kictanet.or.ke" target="_blank">kictanet@lists.kictanet.or.ke</a>> wrote:<o:p></o:p></span></p>
</div>
<blockquote style="border:none;border-left:solid #CCCCCC 1.0pt;padding:0cm 0cm 0cm 6.0pt;margin-left:4.8pt;margin-right:0cm">
<p class="MsoNormal"><span lang="EN-US"><br>
Dear Listers,<br>
Another disruption in the mobile payments market. <br>
Who will be the biggest winners? Biggest losers? Partner or compete?<br>
Today Facebook launches payments on WhatsApp in Brazil using Facebook Pay.<br>
"We're making sending and receiving money as easy as sharing photos."<br>
They are also enabling small businesses to make sales right within WhatsApp.<br>
<br>
It rolls out in Brazil today but Asia and Africa will soon follow as they are the biggest markets for Facebook.<br>
Interesting times ahead..<br>
Regards,<br>
Paul. <br>
<br>
Sent from my iPhone<br>
_______________________________________________<br>
kictanet mailing list<br>
<a href="mailto:kictanet@lists.kictanet.or.ke" target="_blank">kictanet@lists.kictanet.or.ke</a><br>
<a href="https://lists.kictanet.or.ke/mailman/listinfo/kictanet" target="_blank">https://lists.kictanet.or.ke/mailman/listinfo/kictanet</a><br>
Twitter: <a href="http://twitter.com/kictanet" target="_blank">http://twitter.com/kictanet</a><br>
Facebook: <a href="https://www.facebook.com/KICTANet/" target="_blank">https://www.facebook.com/KICTANet/</a><br>
<br>
Unsubscribe or change your options at <a href="https://lists.kictanet.or.ke/mailman/options/kictanet/erick.mwangi%40gmail.com" target="_blank">
https://lists.kictanet.or.ke/mailman/options/kictanet/erick.mwangi%40gmail.com</a><br>
<br>
The Kenya ICT Action Network (KICTANet) is a multi-stakeholder platform for people and institutions interested and involved in ICT policy and regulation. The network aims to act as a catalyst for reform in the ICT sector in support of the national aim of ICT
enabled growth and development.<br>
<br>
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.<o:p></o:p></span></p>
</blockquote>
</div>
</div>
</blockquote>
<blockquote style="margin-top:5.0pt;margin-bottom:5.0pt">
<div>
<p class="MsoNormal"><span lang="EN-US">_______________________________________________<br>
kictanet mailing list<br>
<a href="mailto:kictanet@lists.kictanet.or.ke" target="_blank">kictanet@lists.kictanet.or.ke</a><br>
<a href="https://lists.kictanet.or.ke/mailman/listinfo/kictanet" target="_blank">https://lists.kictanet.or.ke/mailman/listinfo/kictanet</a><br>
Twitter: <a href="http://twitter.com/kictanet" target="_blank">http://twitter.com/kictanet</a><br>
Facebook: <a href="https://www.facebook.com/KICTANet/" target="_blank">https://www.facebook.com/KICTANet/</a><br>
<br>
Unsubscribe or change your options at <a href="https://lists.kictanet.or.ke/mailman/options/kictanet/magacha.cirrus.techvue%40gmail.com" target="_blank">
https://lists.kictanet.or.ke/mailman/options/kictanet/magacha.cirrus.techvue%40gmail.com</a><br>
<br>
The Kenya ICT Action Network (KICTANet) is a multi-stakeholder platform for people and institutions interested and involved in ICT policy and regulation. The network aims to act as a catalyst for reform in the ICT sector in support of the national aim of ICT
enabled growth and development.<br>
<br>
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.<o:p></o:p></span></p>
</div>
</blockquote>
</div>
<p class="MsoNormal"><span lang="EN-US">_______________________________________________<br>
kictanet mailing list<br>
<a href="mailto:kictanet@lists.kictanet.or.ke" target="_blank">kictanet@lists.kictanet.or.ke</a><br>
<a href="https://lists.kictanet.or.ke/mailman/listinfo/kictanet" target="_blank">https://lists.kictanet.or.ke/mailman/listinfo/kictanet</a><br>
Twitter: <a href="http://twitter.com/kictanet" target="_blank">http://twitter.com/kictanet</a><br>
Facebook: <a href="https://www.facebook.com/KICTANet/" target="_blank">https://www.facebook.com/KICTANet/</a><br>
<br>
Unsubscribe or change your options at <a href="https://lists.kictanet.or.ke/mailman/options/kictanet/info%40alyhussein.com" target="_blank">
https://lists.kictanet.or.ke/mailman/options/kictanet/info%40alyhussein.com</a><br>
<br>
The Kenya ICT Action Network (KICTANet) is a multi-stakeholder platform for people and institutions interested and involved in ICT policy and regulation. The network aims to act as a catalyst for reform in the ICT sector in support of the national aim of ICT
enabled growth and development.<br>
<br>
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.<o:p></o:p></span></p>
</blockquote>
</div>
</div>
</body>
</html>