December 2015 - KICTANet

Public Notice by CBK on Virtual Currencies
by Josiah Mugambi 17 Dec '15

17 Dec '15

CBK has taken a stand: https://www.centralbank.go.ke/index.php/news/464-public-on-virtual-currenci… Extract: ++++ The attention of the Central Bank of Kenya (CBK) has been drawn to media reports on the use, holding and trading of virtual currencies such as Bitcoin in Kenya. Bitcoin is a form of un-regulated digital currency that is not issued or guaranteed by any government or central bank. Domestic and international money transfer services in Kenya are regulated by the Central Bank of Kenya Act and other legislation. In this regard, no entity is currently licensed to offer money remittance services and products in Kenya using virtual currency such as Bitcoin. This is to inform the public that virtual currencies such as Bitcoin are not legal tender in Kenya and therefore no protection exists in the event that the platform that exchanges or holds the virtual currency fails or goes out of business. Some of the risks associated with buying, holding or trading virtual currencies include the following:  Transactions in virtual currencies such as bitcoin are largely untraceable and anonymous making them susceptible to abuse by criminals in money laundering and financing of terrorism.  Virtual currencies are traded in exchange platforms that tend to be unregulated all over the world. Consumers may therefore lose their money without having any legal redress in the event these exchanges collapse or close business.  There is no underlying or backing of assets and the value of virtual currencies is speculative in nature. This may result in high volatility in value of virtual currencies thus exposing users to potential losses. CBK reiterates that Bitcoin and similar products are not legal tender nor are they regulated in Kenya. The public should therefore desist from transacting in Bitcoin and similar products. ++++ -- Josiah Mugambi

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Re: [kictanet] Public Notice by CBK on Virtual Currencies
by meshack emakunat 17 Dec '15

17 Dec '15

@Watila Alex I think crypto currencies are the most traceable commodity. there only limitation on the matter is the fact that users can use pseudo names to perform transactions regards Meshack On Thursday, December 17, 2015 5:54 AM, Mwendwa Kivuva via kictanet <kictanet(a)lists.kictanet.or.ke> wrote: On Dec 15, 2015 11:07 AM, "Ngigi Waithaka via kictanet" <kictanet(a)lists.kictanet.or.ke> wrote: > > Very dicey... > > Let's see... What is MPesa? It's a Virtual Currency that has a 1:1 Mapping with the Kenya Shilling. That's why when I send you MPesa, you don't receive a legal tender, but you know you can convert it to KES at a rate of 1:1 minus the small charges.Mpesa is backed by equivalent shillings deposited to reflect the actual amount in your mpesa account. Let us call mpesa a bank account, because that is what it is. Is your bank balance a legal tender?> > What is Paypal? a Virtual Currency that has a 1:1 mapping with say USDPayPal too is an account that reflects real money controlled by a central bank earned by offering goods or services.> > What is BitCoin? A Virtual Currency that has a *fluctuating* mapping with other currencies e.g 1:130 with USD. > > If I take the risk that BitCoin might fluctuate, a risk we also take when we get paid in USD / Euros etc when in Kenya, why should it be illegal? > > Its just a Virtual Currency, one of many....This is where the analogy gets wrong. Mpesa and PayPal are real cash deposited into an account. The cash is controlled by a central bank depending on the currency.Bitcoin on the other hand is a digital currency that is created and held electronically without an equivalent hard currency cash deposit, unlike the ordinary legal tender, and is not a government-backed unit. Bitcoins are created as a reward for payment processing work in which users offer their computing power to verify and record payments into a public ledger. This activity is called mining and miners are rewarded with transaction fees and newly created bitcoins. A good analogy is the virtual coins you get as a reward when you play computer games like Temple Run. Although bitcouns are obtained by mining, bitcoins can be exchanged for other currencies, products, and services. A better analogy is the way I can sell my mangoes and apples, and IT skills for $$$.All that said, we should accept that bitcoin can provide legitimate financial services.> > Regards > > On Tue, Dec 15, 2015 at 10:00 AM, Josiah Mugambi via kictanet <kictanet(a)lists.kictanet.or.ke> wrote: >> >> CBK has taken a stand: >> >> https://www.centralbank.go.ke/index.php/news/464-public-on-virtual-currenci… >> >> Extract: >> >> ++++ >> >> The attention of the Central Bank of Kenya (CBK) has been drawn to media reports >> on the use, holding and trading of virtual currencies such as Bitcoin in Kenya. >> Bitcoin is a form of un-regulated digital currency that is not issued or guaranteed by >> any government or central bank. Domestic and international money transfer >> services in Kenya are regulated by the Central Bank of Kenya Act and other >> legislation. In this regard, no entity is currently licensed to offer money remittance >> services and products in Kenya using virtual currency such as Bitcoin. >> >> This is to inform the public that virtual currencies such as Bitcoin are not legal >> tender in Kenya and therefore no protection exists in the event that the platform that >> exchanges or holds the virtual currency fails or goes out of business. Some of the >> risks associated with buying, holding or trading virtual currencies include the >> following: >>  Transactions in virtual currencies such as bitcoin are largely untraceable and >> anonymous making them susceptible to abuse by criminals in money laundering >> and financing of terrorism. >>  Virtual currencies are traded in exchange platforms that tend to be unregulated >> all over the world. Consumers may therefore lose their money without having >> any legal redress in the event these exchanges collapse or close business. >>  There is no underlying or backing of assets and the value of virtual currencies is >> speculative in nature. This may result in high volatility in value of virtual >> currencies thus exposing users to potential losses. >> >> CBK reiterates that Bitcoin and similar products are not legal tender nor are they >> regulated in Kenya. The public should therefore desist from transacting in Bitcoin >> and similar products. >> ++++ >> >> >> -- >> Josiah Mugambi >> >> _______________________________________________ >> kictanet mailing list >> kictanet(a)lists.kictanet.or.ke >> https://lists.kictanet.or.ke/mailman/listinfo/kictanet >> >> Unsubscribe or change your options at https://lists.kictanet.or.ke/mailman/options/kictanet/ngigi%40at.co.ke >> >> >> 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. >> >> 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. > > > > > -- > Regards, > > Waithaka Ngigi > Chief Executive Officer | Alliance Technologies | MCK Nairobi Synod Building > T +254 20 525 0750 |Office Mobile: +254 716 201061 | M +254 737 811 000 > www.at.co.ke > > _______________________________________________ > kictanet mailing list > kictanet(a)lists.kictanet.or.ke > https://lists.kictanet.or.ke/mailman/listinfo/kictanet > > Unsubscribe or change your options at https://lists.kictanet.or.ke/mailman/options/kictanet/kivuva%40transworldaf… > > 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. > > 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. _______________________________________________ kictanet mailing list kictanet(a)lists.kictanet.or.ke https://lists.kictanet.or.ke/mailman/listinfo/kictanet Unsubscribe or change your options at https://lists.kictanet.or.ke/mailman/options/kictanet/memakunat%40yahoo.com 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. 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.

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Re: [kictanet] Public Notice by CBK on Virtual Currencies
by Mark Kipyegon 17 Dec '15

17 Dec '15

The peer to peer nature of bitcoin is designed to remove the need of a central regulatory authority. The blockchain [1] that supports bitcoin covers the risk of not having a central authority i.e. a trusted third party by recording every bitcoin transaction in the public domain. For those who wish to learn more, the original paper on bitcoin is available online [2] [1] http://www.investopedia.com/terms/b/blockchain.asp [2] https://bitcoin.org/bitcoin.pdf On 17/12/2015 09:24, kictanet-request(a)lists.kictanet.or.ke wrote: > > I may not agree with your assertion on the traceable of the currency. the users can trace and track their transaction more clearly and openly than the paper money transactions that have great attention in trade. the difference that people fail to und3erstand is that they are crypto currencies and that only if you are in it then can you argue as you say. in simple terms they are a hidden currency and that only two persons can trade a bitcoin rather than the third party. these leaves the "wanna be" third party left out and remains clueless, hence the argument that they cannot be traced.I agree with you that in future the currency should give room for third party. i.e a regulatory body in these case. these will help to foster trust for its use in the economy. > >

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Brief on IGF 2015
by Grace Mutung'u (Bomu) 17 Dec '15

17 Dec '15

Listers, This year’s IGF was held in Joao Pessoa, Brazil, where Kenya was represented by a delegation of onsite and offsite participants as well as panelists. Please find attached a brief on the issues that these delegates followed. Regards, -- Grace L.N. Mutung'u Nairobi Kenya Skype: gracebomu Twitter: @Bomu <http://www.diplointernetgovernance.org/profile/GraceMutungu>

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Fw: Children and Mobile Technology - Online Course
by Walubengo J 16 Dec '15

16 Dec '15

fyi. walu. ----- Forwarded Message ----- From: DiploMail <admissions(a)diplomacy.edu> To: John N. <jwalu(a)yahoo.com> Sent: Wednesday, December 16, 2015 1:51 PM Subject: Children and Mobile Technology - Online Course Children and Mobile Technology - Online Course#yiv1502096270 #yiv1502096270outlook a{padding:0;}#yiv1502096270 .yiv1502096270ReadMsgBody{width:100%;}#yiv1502096270 .yiv1502096270ExternalClass{width:100%;}#yiv1502096270 body{margin:0;padding:0;}#yiv1502096270 a{word-wrap:break-word;}#yiv1502096270 img{border:0;height:auto !important;line-height:100%;outline:none;text-decoration:none;}#yiv1502096270 table, #yiv1502096270 td{border-collapse:collapse;}#yiv1502096270 #yiv1502096270bodyTable, #yiv1502096270 #yiv1502096270bodyCell{height:100% !important;margin:0;padding:0;width:100% !important;}#yiv1502096270 #yiv1502096270bodyCell{padding:20px;}#yiv1502096270 .yiv1502096270mcnImage{vertical-align:bottom;}#yiv1502096270 .yiv1502096270mcnTextContent img{height:auto 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td[class=yiv1502096270mcnTextContent]{font-size:12px !important;line-height:125% !important;padding-right:18px !important;padding-left:18px !important;}}@media screen and (max-width:480px){#yiv1502096270 td[class=yiv1502096270footerContainer] td[class=yiv1502096270mcnTextContent]{font-size:10px !important;line-height:115% !important;padding-right:18px !important;padding-left:18px !important;}}@media screen and (max-width:480px){#yiv1502096270 td[class=yiv1502096270footerContainer] a[class=yiv1502096270utilityLink]{display:block;}} | | | | | Is this email not displaying correctly? View this email in your browser | | | | | | | | | | | | | | | | Children and Mobile Technology - Online Capacity Building Course This seven-week online course is offered by the GSMA’s Capacity Building in Mobile Sector Regulation initiative, in cooperation with DiploFoundation. The course is aimed primarily at staff and management of national telecommunications regulatory authorities. Participation in this course is fully funded by the GSMA. Children and young people are among the most avid users of mobile technologies, which can have a tremendous positive impact on their lives. Like any tool, however, mobile technologies can be used to cause harm, and parents, governments and industry have a role in protecting and supporting children who are connected. This course looks at the issue from several angles, including cultural differences regarding children’s use of mobile devices, child online protection and whether regulation is necessary. Course topics include: - Children in the digital age - Rights, opportunities, and risks - Policies, roles, and responsibilities - Online child sexual abuse - Combatting online child sexual abuse - Formulating a national strategy for child online safely Learning methodology Combining the GSMA’s expertise on children and mobile technology with Diplo’s highly interactive online learning methodology, this course is conducted entirely online over seven weeks. Reading materials and tools for online interaction are provided through an online classroom. Each week, participants read an assigned module text, adding questions and comments as hypertext entries. The course tutor, guest experts, and other participants read and respond to these entries, creating interaction based on the module text. Participants complete short quizzes and join online meetings to discuss the week’s topic. During the final week, participants complete a written assignment designed to help them apply course topics to their own context. The course requires five to six hours of study time per week. Who should apply This course is aimed primarily at staff and management of national telecommunications regulatory authorities. Priority will be given to applicants from developing countries. Applications from professionals working in other institutions or fields relevant to child online protection will be considered if places remain in the course session. Participation is fully funded by the GSMA. There is no tuition fee for selected applicants. Course reviews I can honestly say that I have gotten a wealth of knowledge from this course. These tools will now help me to be better able to contribute to the Internet landscape in my country; something I intend to do without delay. -Ervin Williams, Director of the National Telecommunications Regulatory Commission, St Kitts and Nevis This course has provided me with some necessary tools required to address child online protection; furthermore it established appropriate networks. The most practical thing that I can take away from this course is the sample strategy, this will be the basis on which a child online protection initiative or even cybersecurity can be founded. - Cecily Faasau, Legal Counsel, Office of the Regulator, Samoa How to apply Please visit http://www.diplomacy.edu/courses/children to read more and apply online. The next course starts on 1 February 2016. Apply by 11 January 2016. | | | | | | | | | | | | | Like us on FaceBook | | | | | | | Follow us on Twitter | | | | | | | Our website | | | | | | | Our network | | | | | | | | | | | Copyright © 2015 DiploFoundation, All rights reserved. You are receiving this email because you attended DiploFoundation's course(s). | | | | | [ unsubscribe from this list | update your subscription preferences | forward to a friend ] | | | | |

3 5

Children and Mobile Technology - Online Course
by Nanjira Sambuli 16 Dec '15

16 Dec '15

CAK had a workshop yesterday and today, on developing frameworks for Online Child Protection…anyone who takes on the course or has other resources should share with them… > On 16 Dec 2015, at 19:59, kictanet-request(a)lists.kictanet.or.ke wrote: > > Send kictanet mailing list submissions to > kictanet(a)lists.kictanet.or.ke > > To subscribe or unsubscribe via the World Wide Web, visit > https://lists.kictanet.or.ke/mailman/listinfo/kictanet > or, via email, send a message with subject or body 'help' to > kictanet-request(a)lists.kictanet.or.ke > > You can reach the person managing the list at > kictanet-owner(a)lists.kictanet.or.ke > > When replying, please edit your Subject line so it is more specific > than "Re: Contents of kictanet digest..." > > > Today's Topics: > > 1. Re: Fw: Children and Mobile Technology - Online Course > (Stephen Chege) > > > ---------------------------------------------------------------------- > > Message: 1 > Date: Wed, 16 Dec 2015 16:48:03 +0000 > From: Stephen Chege <SChege(a)Safaricom.co.ke> > To: Walubengo J <jwalu(a)yahoo.com>, KICTAnet ICT Policy Discussions > <kictanet(a)lists.kictanet.or.ke> > Subject: Re: [kictanet] Fw: Children and Mobile Technology - Online > Course > Message-ID: <9896E219-47AD-4F5F-A739-7D62D31F024A(a)Safaricom.co.ke> > Content-Type: text/plain; charset="windows-1252" > > Thanks Walu > > You remember how passionate I was about this topic during the last forum. > > Watch this space in the next quarter from Safaricom... > > Sent from my iPhone > > On 16 Dec 2015, at 16:45, Walubengo J via kictanet <kictanet(a)lists.kictanet.or.ke<mailto:kictanet@lists.kictanet.or.ke>> wrote: > > fyi. > > walu. > > ----- Forwarded Message ----- > From: DiploMail <admissions(a)diplomacy.edu<mailto:admissions@diplomacy.edu>> > To: John N. <jwalu(a)yahoo.com<mailto:jwalu@yahoo.com>> > Sent: Wednesday, December 16, 2015 1:51 PM > Subject: Children and Mobile Technology - Online Course > > Is this email not displaying correctly? View this email in your browser<http://us5.campaign-archive1.com/?u=89e7299f9fe54eed66d45cf3d&id=56ba22e904…> > > > > [http://gallery.mailchimp.com/89e7299f9fe54eed66d45cf3d/images/i_39js5mn_M97…] > > > > > Children and Mobile Technology - Online Capacity Building Course > > This seven-week online course<http://diplomacy.us5.list-manage.com/track/click?u=89e7299f9fe54eed66d45cf3…> is offered by the GSMA?s Capacity Building in Mobile Sector Regulation<http://diplomacy.us5.list-manage1.com/track/click?u=89e7299f9fe54eed66d45cf…> initiative, in cooperation with DiploFoundation. The course is aimed primarily at staff and management of national telecommunications regulatory authorities. Participation in this course is fully funded by the GSMA. > > Children and young people are among the most avid users of mobile technologies, which can have a tremendous positive impact on their lives. Like any tool, however, mobile technologies can be used to cause harm, and parents, governments and industry have a role in protecting and supporting children who are connected. This course looks at the issue from several angles, including cultural differences regarding children?s use of mobile devices, child online protection and whether regulation is necessary. > > Course topics include: > > * Children in the digital age > * Rights, opportunities, and risks > * Policies, roles, and responsibilities > * Online child sexual abuse > * Combatting online child sexual abuse > * Formulating a national strategy for child online safely > > > Learning methodology > Combining the GSMA?s expertise on children and mobile technology with Diplo?s highly interactive online learning methodology, this course is conducted entirely online over seven weeks. Reading materials and tools for online interaction are provided through an online classroom. 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The Political Economy of Remittances
by Mose Karanja 16 Dec '15

16 Dec '15

A report <http://www.worldbank.org/en/results/2014/04/04/savings-of-44-billion>by the World Bank (April 2014) had this to say: There are five “corridors” – a country to country transfer – with an average fee higher than 20%, all of them in Africa. Migrant workers in South Africa, for example, paid an average of just over 23% in fees on the money they sent to Botswana in 2012, making it the most expensive remittance channel in the world.Sending money from South Africa <http://www.theguardian.com/world/africa> to Mozambique was the second most costly channel, with an average 22% fee imposed on transfers. “Forcing migrant workers to pay as much as $50 to send $200 is wrong, especially when they are sending salaries they have earned in the hope of supporting their families back home,” An earlier report <http://www.odi.org/remittances-africa> by ODI (April 2014) raised the same point. Linking this back to Kenya - there are systemic hurdles denying entry into the remittance market innovative, cost effective competitors and this, in concert with existing market dominance forces, keep costs high. If Lipisha/Bitpesa/CBK/Safaricom case taught us something, it is that competition on these high stake sectors are not that fair or transparent. --- Moses Karanja | @Mose_Karanja <https://twitter.com/Mose_Karanja> | PGP: 0x1529552F <https://pgp.mit.edu/pks/lookup?op=index&fingerprint=on&search=0x1529552F> > On Dec 16, 2015, at 3:34 PM, kictanet-request(a)lists.kictanet.or.ke wrote: > > Send kictanet mailing list submissions to > kictanet(a)lists.kictanet.or.ke > > To subscribe or unsubscribe via the World Wide Web, visit > https://lists.kictanet.or.ke/mailman/listinfo/kictanet > or, via email, send a message with subject or body 'help' to > kictanet-request(a)lists.kictanet.or.ke > > You can reach the person managing the list at > kictanet-owner(a)lists.kictanet.or.ke > > When replying, please edit your Subject line so it is more specific > than "Re: Contents of kictanet digest..." > Today's Topics: > > 1. Re: Public Notice by CBK on Virtual Currencies (meshack emakunat) > 2. Re: Public Notice by CBK on Virtual Currencies (Ali Hussein) > > From: meshack emakunat <memakunat(a)yahoo.com> > Subject: Re: [kictanet] Public Notice by CBK on Virtual Currencies > Date: December 16, 2015 at 1:58:28 PM EAT > To: KICTAnet ICT Policy Discussions <kictanet(a)lists.kictanet.or.ke> > Reply-To: meshack emakunat <memakunat(a)yahoo.com> > > > Hello All > > did you know that migrant Africans are charged a whole 12% or more on remittances back home from developed countries and that these charges are 2wice the global rate. and that 66% of the global (to africa) remittances are from MTOs such as Moneygram and Western union > > REGARDS > > MESHACK > > > > On Wednesday, December 16, 2015 10:52 AM, Ali Hussein via kictanet <kictanet(a)lists.kictanet.or.ke> wrote: > > > Josiah > > Umeongea kama wazee kumi! (spoken like 10 wise men!) > > Ali Hussein > Principal > Hussein & Associates > +254 0713 601113 / 0770906375 > > Twitter: @AliHKassim > Skype: abu-jomo > LinkedIn: http://ke.linkedin.com/in/alihkassim <http://ke.linkedin.com/in/alihkassim> <http://ke.linkedin.com/in/alihkassim> > Blog: www.alyhussein.com <http://www.alyhussein.com/> > > "Discovery consists in seeing what everyone else has seen and thinking what no one else has thought". ~ Albert Szent-Györgyi > > Sent from my iPad > > On 15 Dec 2015, at 1:24 PM, Josiah Mugambi via kictanet <kictanet(a)lists.kictanet.or.ke <mailto:kictanet@lists.kictanet.or.ke>> wrote: > >> BitPesa requires proof of identity before use. I found it quite lengthy and a tad tedious while signing up sometimes back. That somewhat takes care of KYC procedures though. >> I think CBK are obligated to make this position as a caveat emptor. An idea for them might be to use this case with BitPesa as a pilot with the view of coming up with regulations. Especially as cryptocurrencies are not going away any time soon. >> _______________________________________________ >> kictanet mailing list >> kictanet(a)lists.kictanet.or.ke <mailto:kictanet@lists.kictanet.or.ke> >> https://lists.kictanet.or.ke/mailman/listinfo/kictanet <https://lists.kictanet.or.ke/mailman/listinfo/kictanet> >> >> Unsubscribe or change your options at https://lists.kictanet.or.ke/mailman/options/kictanet/info%40alyhussein.com <https://lists.kictanet.or.ke/mailman/options/kictanet/info%40alyhussein.com> >> >> 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. >> >> 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. > > _______________________________________________ > kictanet mailing list > kictanet(a)lists.kictanet.or.ke <mailto:kictanet@lists.kictanet.or.ke> > https://lists.kictanet.or.ke/mailman/listinfo/kictanet <https://lists.kictanet.or.ke/mailman/listinfo/kictanet> > > Unsubscribe or change your options at https://lists.kictanet.or.ke/mailman/options/kictanet/memakunat%40yahoo.com <https://lists.kictanet.or.ke/mailman/options/kictanet/memakunat%40yahoo.com> > > 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. > > 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. > > > > > From: Ali Hussein <ali(a)hussein.me.ke> > Subject: Re: [kictanet] Public Notice by CBK on Virtual Currencies > Date: December 16, 2015 at 3:27:13 PM EAT > To: meshack emakunat <memakunat(a)yahoo.com> > Cc: KICTAnet ICT Policy Discussions <kictanet(a)lists.kictanet.or.ke> > > > Meshack > > You have brought Ina whole new dimension to this discussion. > > Your assertions by the way are true. That is however changing very fast with new players surfacing very fast. This is a $580 billion global money movement space with about $50 billion in fees/and or forex spreads. You can now see why bitcoins can upset the apple cart..but that's a discussion for another day. > > To Mwendwa's question/comment about bitcoins and Imperial Bank. Not sure this is an apples for apples comparison. Bitcoins are a currency and Imperial Bank issue is mainly one of depositors potentially loosing money because of unscrupulous management and inability of Central Bank to timely regulate. > > Ali Hussein > Principal > Hussein & Associates > +254 0713 601113 / 0770906375 > > Twitter: @AliHKassim > Skype: abu-jomo > LinkedIn: http://ke.linkedin.com/in/alihkassim <http://ke.linkedin.com/in/alihkassim> <http://ke.linkedin.com/in/alihkassim> > Blog: www.alyhussein.com <http://www.alyhussein.com/> > > "Discovery consists in seeing what everyone else has seen and thinking what no one else has thought". ~ Albert Szent-Györgyi > > Sent from my iPad > > On 16 Dec 2015, at 1:58 PM, meshack emakunat <memakunat(a)yahoo.com <mailto:memakunat@yahoo.com>> wrote: > >> Hello All >> >> did you know that migrant Africans are charged a whole 12% or more on remittances back home from developed countries and that these charges are 2wice the global rate. and that 66% of the global (to africa) remittances are from MTOs such as Moneygram and Western union >> >> REGARDS >> >> MESHACK >> >> >> >> On Wednesday, December 16, 2015 10:52 AM, Ali Hussein via kictanet <kictanet(a)lists.kictanet.or.ke <mailto:kictanet@lists.kictanet.or.ke>> wrote: >> >> >> Josiah >> >> Umeongea kama wazee kumi! (spoken like 10 wise men!) >> >> Ali Hussein >> Principal >> Hussein & Associates >> +254 0713 601113 / 0770906375 >> >> Twitter: @AliHKassim >> Skype: abu-jomo >> LinkedIn: http://ke.linkedin.com/in/alihkassim <http://ke.linkedin.com/in/alihkassim> <http://ke.linkedin.com/in/alihkassim> >> Blog: www.alyhussein.com <http://www.alyhussein.com/> >> >> "Discovery consists in seeing what everyone else has seen and thinking what no one else has thought". ~ Albert Szent-Györgyi >> >> Sent from my iPad >> >> On 15 Dec 2015, at 1:24 PM, Josiah Mugambi via kictanet <kictanet(a)lists.kictanet.or.ke <mailto:kictanet@lists.kictanet.or.ke>> wrote: >> >>> BitPesa requires proof of identity before use. I found it quite lengthy and a tad tedious while signing up sometimes back. That somewhat takes care of KYC procedures though. >>> I think CBK are obligated to make this position as a caveat emptor. An idea for them might be to use this case with BitPesa as a pilot with the view of coming up with regulations. Especially as cryptocurrencies are not going away any time soon. >>> _______________________________________________ >>> kictanet mailing list >>> kictanet(a)lists.kictanet.or.ke <mailto:kictanet@lists.kictanet.or.ke> >>> https://lists.kictanet.or.ke/mailman/listinfo/kictanet <https://lists.kictanet.or.ke/mailman/listinfo/kictanet> >>> >>> Unsubscribe or change your options at https://lists.kictanet.or.ke/mailman/options/kictanet/info%40alyhussein.com <https://lists.kictanet.or.ke/mailman/options/kictanet/info%40alyhussein.com> >>> >>> 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. >>> >>> 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. >> >> _______________________________________________ >> kictanet mailing list >> kictanet(a)lists.kictanet.or.ke <mailto:kictanet@lists.kictanet.or.ke> >> https://lists.kictanet.or.ke/mailman/listinfo/kictanet <https://lists.kictanet.or.ke/mailman/listinfo/kictanet> >> >> Unsubscribe or change your options at https://lists.kictanet.or.ke/mailman/options/kictanet/memakunat%40yahoo.com <https://lists.kictanet.or.ke/mailman/options/kictanet/memakunat%40yahoo.com> >> >> 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. >> >> 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. >> > > > _______________________________________________ > kictanet mailing list > kictanet(a)lists.kictanet.or.ke > https://lists.kictanet.or.ke/mailman/listinfo/kictanet

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Re: [kictanet] Public Notice by CBK on Virtual Currencies
by Ali Hussein 16 Dec '15

16 Dec '15

Waithaka, Ahmed What you have articulated is at the crux of the matter. CONTROL. To Barrack’s question:- 1) If you were the Governor CBK or CS Finance? How would you handle Bitcoins? (with limited knowledge on technology matters?) That is, I believe a critical component of Policy and how the government of the day chooses who is appointed to what docket. But to answer your question in a straight forward way:- If I were the Governor or CS Finance I’d first take the steps to ensure public interest is preserved. I would then call in the proponents of this particular case and try and find a way for them to work together as we extend our policies and regulations to encompass cryptocurrencies. The fact that we ignore them doesn’t mean they don’t exist. I certainly don’t want to be the proverbial Ostrich sticking its head in the sand and wishing away all its problems. But then, this is just hypothesis right? :-) My humble advise to Regulators the world over:- Don’t be like the Ostrich. :-) Oh, and I would have expected the Central Bank to have asked the court to enjoin them in the Lipisha/Bitpesa vs Safaricom case as Amicus Curiae. Just so that they can also learn. *Ali Hussein* *Principal* *Hussein & Associates* Tel: +254 713 601113 Twitter: @AliHKassim Skype: abu-jomo LinkedIn: http://ke.linkedin.com/in/alihkassim <http://ke.linkedin.com/in/alihkassim> Blog: www.alyhussein.com 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.

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Public Notice by CBK on Virtual Currencies
by Nanjira Sambuli 16 Dec '15

16 Dec '15

Barrack has asked a valid question and posed a meaningful challenge. Where are the explainer pieces on Bitcoin? And analysis on what such virtual currencies could mean for an economy like Kenya’s? What brief can anyone forward to CBK if they wanted to challenge their point of view, or engage them in their thinking of the issue? Heck, even a mere curation of reads on the matter… For the general public as well. > On 16 Dec 2015, at 08:47, kictanet-request(a)lists.kictanet.or.ke wrote: > > Public Notice by CBK on Virtual Currencies Regards, Nanjira Sambuli Research Manager iHub <http://www.ihub.co.ke/> | Research <http://www.ihub.co.ke/research> | UXLab <http://www.ihub.co.ke/uxlab> | Consulting <http://www.ihub.co.ke/consulting> Mobile: +254722481566 Skype: nanjirasambuli | Twitter: @NiNanjira

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Fwd: [Internet Policy] New book: The Working Group on Internet Governance: 10th Anniversary Reflections
by Barrack Otieno 16 Dec '15

16 Dec '15

Listers, Could be beneficial for those following the IGF. Regards ---------- Forwarded message ---------- From: William Drake <wjdrake(a)gmail.com> Date: Tue, Dec 15, 2015 at 1:54 PM Subject: [Internet Policy] New book: The Working Group on Internet Governance: 10th Anniversary Reflections To: internetpolicy(a)elists.isoc.org Apologies for cross-posting Hi In case anyone is interested, just in time for the WSIS+10 Review, yesterday the APC released the below book, which is edited by myself and populated by various familiar IG mavens. The free PDF version is available now from the APC website, and in a week or so there also will be e-book and print on demand versions at Amazon and other dealers for a couple dollars. Best Bill -------------------- PRESS STATEMENT FOR IMMEDIATE RELEASE New publication: The Working Group on Internet Governance - 10th Anniversary Reflections JOHANNESBURG, South Africa, 14 December 2015 – 2015 marks the 10th anniversary of the World Summit on the Information Society (WSIS). The UN General Assembly reviewed the progress made over the past decade and negotiated a text that addresses a number of global Internet governance issues. 2015 is also the 10th anniversary of a multistakeholder experiment that helped bring the WSIS to a successful conclusion: the Working Group on Internet Governance (WGIG). Convened in 2004, the WGIG assembled 40 representatives of governments and stakeholders who engaged in months of intensive peer-level dialogue and collective analysis. The WGIG process was an important turning point and catalyst in the intergovernmental recognition of multistakeholder processes for Internet governance. In June 2005, the WGIG released a widely noted report that advanced a “broad definition” of Internet governance; holistically addressed a range of policy issues; offered four competing models for the ”oversight” of critical Internet resources; and proposed the establishment of the Internet Governance Forum. The report significantly influenced the final agreement adopted by WSIS. This book, edited by William J. Drake and published by APC with the support of APNIC, CGI.br, ICANN and Internet Society, reflects on the WGIG’s procedural and substantive contributions to the evolving global Internet governance dialogue and institutional ecosystem. Written by former WGIG members and others who played key roles in the debates on the WGIG and WSIS, the volume is a follow-up to a book produced in the summer of 2005: William J. Drake, ed., Reforming Internet Governance: Perspectives from the UN Working Group on Internet Governance. Topics include: historical overview; understanding Internet governance; institutionalizing multistakeholder cooperation; from oversight to stewardship; Internet governance for development; and closing reflections. Authors include: Fiona Alexander, Peng Hwa Ang and Sherly Haristya, Karen Banks and Anriette Esterhuysen, Nitin Desai, Avri Doria, William J. Drake, Raúl Echeberría, Baher Esmat, Juan Fernández González, Hartmut R. Glaser and Diego R. Canabarro, David Hendon, Jānis Kārkliņš, Wolfgang Kleinwächter, Jovan Kurbalija, Markus Kummer, Olivier Nana Nzépa, Alejandro Pisanty, Paul Wilson and Pablo Hinojosa, and Michael Yakushev. The full publication can be downloaded here About the Association for Progressive Communications The Association for Progressive Communications (APC) is an international network and non-profit organisation founded in 1990 that wants everyone to have access to a free and open internet to improve lives and create a more just world. apc.org PO Box 29755 Melville, GT 2109 South Africa Media contact Flavia Fascendini APC Communications flavia(a)apc.org ********************************************************* William J. Drake International Fellow & Lecturer Media Change & Innovation Division, IPMZ University of Zurich, Switzerland Chair, Noncommercial Users Constituency, ICANN, www.ncuc.org william.drake(a)uzh.ch (direct), wjdrake(a)gmail.com (lists), www.williamdrake.org Internet Governance: The NETmundial Roadmap http://goo.gl/sRR01q ********************************************************* _______________________________________________ To manage your ISOC subscriptions or unsubscribe, please log into the ISOC Member Portal: https://portal.isoc.org/ Then choose Interests & Subscriptions from the My Account menu. -- Barrack O. Otieno +254721325277 +254-20-2498789 Skype: barrack.otieno http://www.otienobarrack.me.ke/<div id="DDB4FAA8-2DD7-40BB-A1B8-4E2AA1F9FDF2"><table style="border-top: 1px solid #aaabb6; margin-top: 10px;"> <tr> <td style="width: 105px; padding-top: 15px;"> <a href="https://www.avast.com/lp-safe-emailing?utm_medium=email&utm_source=link&utm…" target="_blank"><img src="https://ipmcdn.avast.com/images/logo-avast-v1.png" style="width: 90px; height:33px;"/></a> </td> <td style="width: 470px; padding-top: 20px; color: #41424e; font-size: 13px; font-family: Arial, Helvetica, sans-serif; line-height: 18px;">This email has been sent from a virus-free computer protected by Avast. <br /><a href="https://www.avast.com/lp-safe-emailing?utm_medium=email&utm_source=link&utm…" target="_blank" style="color: #4453ea;">www.avast.com</a> </td> </tr> </table><a href="#DDB4FAA8-2DD7-40BB-A1B8-4E2AA1F9FDF2" width="1" height="1"></a></div>

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