Emmanuel

There really isn't a right or wrong view on this. Success is defined differently by different constituents. For Safaricom that may well be that Mpesa has been successful beyond their wildest dreams. Locally (this includes East Africa). In my humble opinion though even locally the game isn't over yet. Not by a long shot. The payments space game is just warming up. There iis no dominant player in this space yet.

Ali Hussein
Hussein & Associates
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"Discovery consists in seeing what everyone else has seen and thinking what no one else has thought".  ~ Albert Szent-Györgyi

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On Apr 21, 2015, at 7:34 PM, Emmanuel Khisa <oloo.khisa@googlemail.com> wrote:

Ali,

I beg to differ.

Statistics show a different story.

Tanzania: Mpesa is the largest provider of Mmoney services with a market share of 65%...about 8m users.
Afghanistan and Fiji : For the longest part Mpaisa has been a great service
Egypt and South Africa haven't been so great ( But one can also argue that in South Africa Vodafone attempted to let go of control and gave their platform to Nedbank and this didnt work out so well).

I general Mobile Money requires a certain kind of gravitas in distribution that telcos do so well and most other sectors fail in so badly.

In the end Ali, the question is "what does success really look like within the Mmoney context"

My a quarter

On Tue, Apr 21, 2015 at 3:09 PM, Ali Hussein via kictanet <kictanet@lists.kictanet.or.ke> wrote:
Dennis

Safaricom needs to outsource cloud to Angani (disclosure: I'm a fan) :)

Seriously though, for as long as Mpesa is under the control of Safaricom/Vodafone it will nor grow beyond Kenya. Safaricom uses Mpesa as a big stick against its competitors and I'm not sure that's the way to grow a brand.  

Ali Hussein
Hussein & Associates

Twitter: @AliHKassim

Skype: abu-jomo

LinkedIn: http://ke.linkedin.com/in/alihkassim

Blog: 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 Apr 21, 2015, at 2:39 PM, Dennis Kioko via kictanet <kictanet@lists.kictanet.or.ke> wrote:

By having a separate M-Pesa server and control over the same, allows Safaricom to vastly improve what M-Pesa can do, and also experiment a lot with the local market. 

Kenya is more mature than other countries in M-Pesa products -  Safaricom is able to specifically create new services for Kenya. 

Secondly, Safaricom's running of M-Pesa servers enables the firm to build its cloud skills, and also to bring down the cost of cloud solutions to some extent, in my opinion. After all, skills and capacity can be shared with M-Pesa, with fixed costs coming down due to M-Pesa's uptake. 

On Tue, 21 Apr 2015 at 13:57 Phares Kariuki via kictanet <kictanet@lists.kictanet.or.ke> wrote:
Safaricom does not really care about QoS for users in India or Latvia for that matter. It's the KE users. 

--
Phares 

On Apr 21, 2015, at 1:48 PM, Mwendwa Kivuva via kictanet <kictanet@lists.kictanet.or.ke> wrote:


On 21 April 2015 at 09:47, Ali Hussein via kictanet <kictanet@lists.kictanet.or.ke> wrote:
True that. Majority of users are in Kenya. For now. Would really be interesting to see how this affects the plans to go global especially if they want to tap into the remittances business and Vodafone has global ambitions for Mpesa...

Ali, MPESA has gone global but not as a Safaricom product since the IP is owned by Vodafone. MPESA is in India, South Africa, Tanzania, Afghanistan, e.t.c.  I am not an IP expert, but forget Safaricom ever getting anything out of it from the global market. Vodafone has that in their pockets.



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Oloo Khisa
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