Re: [kictanet] Equity Bank vs Safaricom :-Round 2

18 Sep 2014

      +1 Kamotho. Notwithstanding the self incriminating statement by Safaricom which shows any one with malicious intent only need acquire a Thin SIM and preload to access their network, Safaricom could also have done well to share videos or live demos of their lab tests as proof of this threat.

It is mind shuttering to imagine the consequences of this admission particularly in this age of cyber attacks.

If I were Safaricom I would be spending my energies with CBK to get a banking license!

John Masiwe

Business Development Director & CEO

Blue Gate Technologies Ltd - Professional and Quality ICT Services

4th Floor – Bishop Maigua Plaza (opp. Uchumi Hyper – Ngong Rd)

Ngong Road, Nairobi

P. O. Box 344 – 00600 Nairobi

Website: www.bluegate.co.ke          |              Email: jmasiwe@bluegate.co.ke       |              Tel: 0725 24 88 00 - 0714 772 468

Email Signature

From: kictanet [mailto:kictanet-bounces+jmasiwe=bluegate.co.ke@lists.kictanet.or.ke] On Behalf Of Kamotho Njenga via kictanet
Sent: Thursday, September 18, 2014 1:18 PM
To: John Masiwe
Subject: Re: [kictanet] Equity Bank vs Safaricom :-Round 2

It would be inappropriate to dismiss Safaricom's security concerns without a bit of interrogation. Below is a brief excerpt of what Safaricom's team advanced as the basis of their opposition for the Thin SIM before the Parliamentary Committee 

"Safaricom head of regulatory services Stephen Chege and the head of product services Kenneth Okwero said the technology will affect Kenyans and other mobile phone subscribers if thin SIMs are overlaid on users' primary SIM cards. Mr Chege said when Safaricom became aware of the technology, it put the thin SIM in its lab and tested to see how it affects communication between the phone and the original SIM. From testing, we found out that it is a bridge between what you type in your phone and the main SIM. Thin SIM is capable of seeing through any transaction," he said. He said the thin SIM technology may compromise its M-Pesa services."

Relevant questions from this position may include:

1. Does the problem emanate from the Safaricom's SIM being used as a bridge? (Kutumiwa Vibaya as literally said)

2. How exactly does the Thin SIM see through the transaction and which particular Thin SIM variety is in focus?

3. Beyond seeing through the transaction, what threats are posed by the Thin SIM?

4. Whose duty is it to secure a clients transactions from been seen through, intercepted, corrupted etc. Does the duty fall on Safaricom or on the competitor? Can you rightly accuse people of being snoopy for seeing through your birthday suit having opted to walk naked? Are strangers obliged to shut their eyes or clothe you to preserve the sanctity of your nudity?

5. Which exact layer of the M-Pesa system is being compromised? Is it the individual client transaction or the larger network? Can a penetration within my SIM card affect the state of fellow subscribers?

6. What other vulnerabilities are Safaricom subscribers currently exposed to which can only be divulged if any other competitor proposes to offer another disruptive solution?

7. Are we better of if we just enact a regulatory requirement that subjects all future emergent technologies/solutions to the dominant players lab "to get clearance"?

8. If both the Ordinary and the Thin SIM belong to me, what issues arise if the SIMs decide to observe or interfere with each others activities? Assume a scenario where one of my two SIMs initiates a fraudulent transaction and steals from the other? (e.g the Thin SIM steals money from my M-Pesa and deposits it in my Equity bank account)

9. Bearing in mind that security is neither guaranteed by the conventional or the thin SIM, what about candidly telling Kenyans that they have always risked with the traditional SIM and another SIM (Thin SIM) with unknown risks is about to hit the market?

Kamotho

On Wed, Sep 17, 2014 at 8:44 PM, Aquinas Wasike via kictanet <kictanet@lists.kictanet.or.ke> wrote:

Listers, 

I think we are tending to over-analyze. In this space, there is really never a sure fire stage of so called proven technology…..even M-Pesa remains evolving!

M-Pesa was never anything really technologically ground-breaking, it was just a logical solution to the mama-mboga/wanjiku problem of money transfer. It was a very simple system/solution to a known problem. But it caught on and became a runaway success (even the originators of M-Pesa do marvel about the combination of luck and other factors that led to its success). It was a value add service to its existing customers.

That said, M-Pesa has been a beneficiary of soft regulation. It remains so even today! Both CBK and CA (formerly CCK) remain undecided or unsure about how to regulate that market almost 10 years later. Safaricom through its large customer base network effect and lock-in strategy ran away with the significant mobile transfer customer base. Airtel could never shake this strangle-hold. Safaricom went on to become a near monopoly in the mobile money (transfer/payments) sector, as well as a near monopoly in the voice market as it concurrently locked in its subscribers and now sits at almost 21m subscribers.

So, as we debate this there are 1001 reasons we can advance to deny this thin-sim solution. There is almost nothing we cannot advance as a reason to deny Equity the use of this thin-sim technology. And Cofek should be supporting this to create competition to free up the market from Safaricom enslavement. 

The real war we should be waiting for is who will manage to get to the hearts of the consumer. This is about the simple and practical VAS that they will avail. These customers will easily move away with their number to this new service provider with the value add services that are practical to him/her. This will cause number portability without a sweat. Maybe then Dr. Partrick Musimba will switch on his service for porting these customers back and forth between Equity, Safaricom etc….. Exciting times ahead, I guess.

Safaricom should expect to be served by the same token it benefited from several years ago when it launched M-Pesa.  I would really be surprised if Safaricom has been sitting pretty on its honey pot thinking that this moment will not arrive.

In the meantime, let us let the Parliamentary committee continue to enjoy their sitting allowances. Unless this happened last night, I would be surprised if they will be making any ground breaking technological declarations. 

My 2 cents….

-----------------------------------------------------------------

Aquinas Wasike

Mobile: +254 722 511120 <tel:%2B254%20722%20511120> 

Email:  <mailto:aquinasw@lantech.co.ke> aquinasw@lantech.co.ke

Website: www.lantech.co.ke

-----------------------------------------------------------------

From: kictanet [mailto:kictanet-bounces+aquinasw <mailto:kictanet-bounces%2Baquinasw> =lantech.co.ke@lists.kictanet.or.ke] On Behalf Of Ali Hussein via kictanet
Sent: Wednesday, September 17, 2014 3:59 PM
To: Aquinas Wasike

Subject: Re: [kictanet] Equity Bank vs Safaricom :-Round 2

David

With all due respect to COFEK.

How did you guys react to Mpesa? Weren't Kenyans 'guinea pigs' then?

Far be it for me to question COFEK's motives here beyond 'protecting' Wanjiku..

Ali Hussein

+254 770 906375 <tel:%2B254%20770%20906375>  / 0713 601113

Twitter: @AliHKassim

Skype: abu-jomo

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

Blog: www.alyhussein.com <http://www.alyhussein.com/> 

"I fear the day technology will surpass human interaction. The world will have a generation of idiots".  ~ Albert Einstein

Sent from my iPad

On Sep 17, 2014, at 3:49 PM, "Consumers Federation of Kenya \(COFEK\) via kictanet" <kictanet@lists.kictanet.or.ke> wrote:

Dear Mr Kioko,

We are watching this debate very keenly. We can’t resist the temptation to comment on your issue. The summary you capture is obviously about Consumer Rights. 

Article 46(1)(b) of the Constitution says – “Consumers have the right to the information necessary for them to gain full benefit from goods and services”. Under the Consumer Protection Act, 2012 on Section 5(1) under the quality of goods and services, the law states that: “The supplier is deemed to warrant that the goods or services supplied under a consumer agreement are of a reasonably merchantable quality”

When CA approved 3 MVNO’s in April 2014 without addressing itself to the new emerging challenges, even beyond it, the consumer is left to be a “guinea pig” upon which this technology would be tested upon, with either good or bad results notwithstanding. In the (un)likely event privacy will be lost as a result of such technology, service providers must be reminded that Article 31(c)(d) of the Constitution are not suspended.

At Cofek, we encourage innovations and competition but we must also be sensitive to Wanjiku, the law and public interest. Reulation should not always behind of ICT innovations. It must be ahead so we are not so helpless as to expect MP’s to decide on a highly technical matter as to the pros and cons of a thin sim. Thank you.

David Kedode

Program Officer

www.cofek.co.ke 

From: kictanet [mailto:kictanet-bounces+hotline=cofek.co.ke@lists.kictanet.or.ke] On Behalf Of Bernard Kioko via kictanet
Sent: Wednesday, September 17, 2014 3:28 PM
To: The Consumers Federation of Kenya (Cofek)
Subject: Re: [kictanet] Equity Bank vs Safaricom :-Round 2

Noted fr<image001.png>om the document:

From: kictanet [mailto:kictanet-bounces+bkioko=bernsoft.com@lists.kictanet.or.ke] On Behalf Of Anthony Kiarie via kictanet
Sent: Wednesday, September 17, 2014 3:12 PM
To: bkioko@bernsoft.com
Subject: Re: [kictanet] Equity Bank vs Safaricom :-Round 2

Hi

This is what GSMA had to say about the matter;

http://www.gsma.com/publicpolicy/wp-content/uploads/2014/08/GSMA-Security-Gr...

On Wed, Sep 17, 2014 at 3:01 PM, Harry Delano via kictanet <kictanet@lists.kictanet.or.ke> wrote:

Well summed up Walu...

Let's look at the positivity aspect of it, and possibly with the benefit of hindsight, adopt a gradual uptake to "test the waters"...

By the way who is giving the honorable legislators professional advice on this important Cyber security matter, as they decide the fate of the Thin-sim technology...?

Harry

On Wed, Sep 17, 2014 at 2:33 PM, Walubengo J via kictanet <kictanet@lists.kictanet.or.ke> wrote:

Thanks Gicheru,

I was really getting woried...most of the security concerns raised by listers are the very same ones traditional banks raised against MPESA a few years ago.  Luckily, the regulators then ignored them otherwise the global story of MPESA may never have been told let alone celebrated.

Folks, I am NOT saying there is NO issue with thin-SIM.  There are, but I worry when we sound defeatist and perhaps scared to open a new story of mobile money.  If Kenyans can't do, no one else in the world will.

Lets bring out the concerns, but with a view to resolving them rather than running away from them.

walu.
shared secret: as an info-security professional, I was so paranoid about MPESA that I ended being what strategy books call - Laggards or more politely Late adopters. For years I was quite paralysed with my security analysis (analytic paralysis syndrome) and could dare not sign up. Eventually ofcourse I grudgingly signed up - but still get shivers when am sending that mobile money :-)

--------------------------------------------
On Wed, 9/17/14, Martin Gicheru via kictanet <kictanet@lists.kictanet.or.ke> wrote:

 Subject: Re: [kictanet] Equity Bank vs Safaricom :-Round 2
 To: jwalu@yahoo.com
 Date: Wednesday, September 17, 2014, 2:00 PM

 @Dennis: I don't
 see Equity Bank worried that they may be exposing consumers
 in the way you just presented, and this has not come out yet
 in an argument before. You realize that the same bank
 account has been accessible on the mobile phone via USSD
 shortcodes that most of these banks have that they call
 "mobile banking".
 On Wed, Sep 17, 2014
 at 1:33 PM, Collins Areba via kictanet <kictanet@lists.kictanet.or.ke>
 wrote:
 Come to think of this, Would this lead to a rise
 in Handset Locking to network under plans much like AT&T
 does elsewhere? Leading to a change in business model from
 exclusively traditional Prepay to Device Lock in. Or does
 the regulator intend to block the larger companies from
 doing this too?

 On Wed, Sep 17, 2014 at 1:28 PM,
 Dennis Kioko via kictanet <kictanet@lists.kictanet.or.ke>
 wrote:
 I've
 been using the Equitel SIM card for a few days. 
 One of the things that people have been
 overlooking in the whole argument is that the Equitel SIM
 card virtually has your whole bank account sitting on
 it. 
 So while we are frothing on the mouth over M-Pesa
 security, I would think that many people will have more
 money in their bank account than on the SIM card. No one
 seems to be talking about security on the users side - I
 mean, if the Thin-SIM's security is compromised, then
 your whole bank account is
 compromised. 

 On Wednesday, 17 September 2014, Martin Gicheru via kictanet
 <kictanet@lists.kictanet.or.ke>
 wrote:
 Also thinking about the part where the SIM card
 will need to be inactive while the other is active, I think
 Safaricom do have a legal point where they will have a
 technical outage as the user switches to second SIM. You
 know, unlike Dual-SIM which allows for dual standby, these
 two SIMs will not operate at the same time.  That and the
 part where we still are not sure about data security as
 mentioned by Collins and Delano. 
 Brings me to this: Who is supposed to test and
 verify that the thin SIM wont compromise on the security of
 the primary SIM and why hasn't this been done by now. If
 I was Safaricom I would worry about giving access to my
 customer usage habits, just like any subscribed service is
 able to access from their users to make their services
 better or like in the case of Google and the likes, serve
 better ads.
 Martin Gicheru
 On Wed, Sep 17, 2014
 at 12:37 PM, Collins Areba via kictanet <kictanet@lists.kictanet.or.ke>
 wrote:
 Safaricom's Case seems grounded on the fact
 that The Thin Sim sits squarely in between your safaricom
 SIM card (that offers security layer to your accounts within
 the safaricom network) and the handset whose input devices
 you use to interact with their SIM. In theory therefore all
 keystrokes can therefore be "logged", For the
 Record I will not be putting anything in that phone that I
 use heavily for bank transactions because while not yet
 proven beyond reasonable doubt, Safaricom does have a point.

 On Wed, Sep 17, 2014
 at 11:30 AM, Walubengo J via kictanet <kictanet@lists.kictanet.or.ke>
 wrote:
 @
 Harry D,

 I did cover all your questions in the blog. I also thought
 Parliament (with all due respect to our very able Hon. MP,
 Eng J. Rege who sits on the respective committee) has jumped
 the gun and got involved too soon. They should let the
 regulator do their thing as per law.

 Meanwhile, you and I know, there is nothing like 100%
 security (otherwise German Premier's phone would not
 have been bugged by the CIA :-) So rather than discuss how
 insecure the technology is, we should be discussing how to
 implement the technology with increased levels of
 assurance/security.

 walu.

 --------------------------------------------

 On Wed, 9/17/14, Harry Delano via kictanet <kictanet@lists.kictanet.or.ke> wrote:

  Subject: Re: [kictanet] Fw: Equity Bank vs Safaricom
 :-Round 2

  To: jwalu@yahoo.com

  Date: Wednesday, September 17, 2014, 10:56 AM

  What about the headlines indicating

  Parliament has  to have a final say on this, based on

  alleged security ramifications posed by this new Thin-Sim

  Technology..  It is claimed that it's prone to
 hacks,

  attacks, DoS etc.. and  "will erode significantly
 the

  gains achieved so far in mobile money market.."
 Anyone

  with any idea where the technology currently implemented

  - 

  Harry

  On Tue, Sep 16, 2014 at

  10:00 PM, Mark Kipyegon via kictanet <kictanet@lists.kictanet.or.ke>

  wrote:

  Mpesa succeeds

  primarily because of a strong distribution network. IMO

  Equity have the existing clientele and the resources to

  offer a product that can genuinely challenge

  Safaricom.

  On 16 Sep 2014, at 20:11, "Ahmed Mohamed

  Maawy via kictanet" <kictanet@lists.kictanet.or.ke>

  wrote:

  With Ali on this one. Mobile

  Money is a gone case in Kenya. If Equity is really
 providing

  a value add service then its not through its mobile

  platform. Airtel, Yu and Orange all have far cheaper
 mobile

  money services. If there was a service that would be the

  first to topple M-Pesa it would have been Airtel Money.

  Heck, Airtel even offers cheaper call rates from Airtel
 to

  Safaricom than from Safaricom to Safaricom and they still

  are not getting customers. Did I mention their network

  coverage is even stronger?

  And what would Equity need to do? Set up masts

  in as far as Kitui, or as far as Maralal, or as far as

  Isiolo? Theres a lot of work to be done before Equity

  becomes a service provider to even match the least

  established provider there is. They would be better off

  working with Yu mobile than working even against
 Safaricom.

  No offence.

  So the business

  here is in the value add services, which is where mobile

  commerce comes in. What is done is done, the value add is

  what is the worth for now. Not the competition. Because

  competition already exists, no sense saturating it

  further.

  On Tue, Sep 16, 2014 at

  7:57 PM, McTim via kictanet <kictanet@lists.kictanet.or.ke>

  wrote:

  http://www.economist.com/blogs/baobab/2014/09/disrupting-mobile-banking-keny...

  Does anyone know which

  network Equity is 'virtual" on?

  rgds,

  McTim

  On Tue, Sep 16,

  2014 at 10:03 AM, Sophia Bekele via kictanet <kictanet@lists.kictanet.or.ke>

  wrote:

  resting

  discussion on where mobile baking is going....

   With

  best wishes,

  Sophia

  Support our "YES" to

  .africa Campaign!

  www.dotconnectafrica.orgFollow us on twitter
 and facebookEmail us at: yes2dotafrica@dotconnectafrica.org

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  International, Inc ,Ca, USA/Africa +1 925-935-1589 <tel:%2B1%20925-935-1589> :US
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    On Tuesday, September

  16, 2014 7:52 AM, Ali Hussein via kictanet <kictanet@lists.kictanet.or.ke>

  wrote:

  @Walu

  Lets wait and see...Many have

  written off Safaricom before. What I'm loving

   about this discussion though is the elephant in the room.
 I

  believe Kenyans are waiting for the next big thing. This

  mobile money thing has been hyped and flogged until its

  dead. The next big thing is mobile commerce. 

  And I don't mean the 'Lipa

  na Mpesa' variety. 

  I mean real m-commerce enablement -

  SME supply chain financing, invoice discounting etc.

  That's where the future is and that's why the KCB

  tie up is interesting. My only concern with that is that

  most banks (fortunately for Safaricom) are old school

  thinkers unwilling to venture into the

  unknown. 

  This ship

  hasn't sailed yet. It remains to be seen who will be
 at

  the helm.

  Ali

  Hussein

  +254 770 906375 <tel:%2B254%20770%20906375>  / 0713

   601113

  Twitter:

  @AliHKassimSkype:

  abu-jomoLinkedIn: http://ke.linkedin.com/in/alihkassimBlog: www.alyhussein.com

  "I fear the day

  technology will surpass human interaction. The world will

   have a generation of idiots".  ~ Albert

  Einstein

  Sent

  from my iPad

  On Sep 16,

  2014, at 5:31 PM, Walubengo J <jwalu@yahoo.com>

  wrote:

  @Ali,

  Equity is

  not just after Safaricom lunch, they are after their
 dinner

  as well :-).

  This thin-SIM technology will do what

  Number Portability failed to do.  People are likely to

  "Vooka" onto Equity (cheaper) voice services

  without having to buy two phones or dual-SIM phones.

    Equity mobile money value proposition, will have the

  side-effect of knock the breath out of Safaricom's
 voice

  revenues...fortunately, Safcom can see this, and they are

  not taking it kindly :-)

  We are

  indeed living in very interesting times in .Ke

  walu.

  --------------------------------------------

  On Tue, 9/16/14, Ali Hussein via kictanet

  <kictanet@lists.kictanet.or.ke>

  wrote:

   Subject: Re: [kictanet] Equity Bank vs

  Safaricom :-Round 2

   To: jwalu@yahoo.com

   Date: Tuesday, September 16, 2014, 3:18

  PM

   Collins 

  Well put. 

   Walu, 

   I'm keen to understand how

  a

   technology which is a

  commodity ( read here that Safaricom

   can also implement the same technology)

  can usurp

   Safaricom's

  unassailable lead in this

  space.

   What's my

   point? 

  Technology is

   an accelerator

  and NOT The Strategy in itself. Assume first

   that what you can access in the open

  market (as opposed to

  restricted

   technology under patent) your competitors can do

   so too. We usually forget this but MPesa

  isn't even the

   best mobile

  technology in the country. Not even by a long

   short! They managed to capture their

  base through first

   mover

  advantage and a positioning statement that was

   apparently well received by Kenyans. And

  of course there is

   the Network

  Effect of being ubiquitous in the

   space.

  Equity needs to

   execute with

  excellence and not depend on the Technology to

   take on Safaricom.

   Needless to say I would love to be

  a

   fly on the wall in the

  strategy sessions currently going on

   in both companies. Careers will be made or broken

  on

   this..no doubt about

  that.

   Ali

   Hussein

  +254 770

   906375 / 0713

  601113

   Twitter:

  @AliHKassimSkype: abu-jomoLinkedIn: http://ke.linkedin.com/in/alihkassimBlog: www.alyhussein.com

   "I

  fear the day

   technology will

  surpass human interaction. The world will

   have a generation of idiots".  ~

  Albert

   Einstein

   Sent from my iPad

   On Sep

   16,

   2014, at 1:06 PM, Collins

  Areba via kictanet <kictanet@lists.kictanet.or.ke>

   wrote:

   "We

  are glad

   to use this platform

  to deliver an extension service to our

   customers, It is our heartfelt desire to

  satisfy our

   customers first,

  and if technology affords us that

   opportunity, we are obliged to take up

  on it. If the same

   technology

  should allow us to interact with our customers,

   and have an opportunity to give them

  voice and data

   in the same

  breath, then why not, those would be extras

   to

   the benefit of our

  client... "

   Paraphrased from memory during

  an

   interview on Citizen last

  week. I think this opens the game

   wide Open, and For the Record, Safaricom

  should be given a

   Commercial

  Banking license.

   My 10 Cents.

   On Tue,

  Sep 16, 2014 at

   12:06 PM,

  Walubengo J via kictanet <kictanet@lists.kictanet.or.ke>

   wrote:

  Listers,

   I thought you might find this

  interesting,

   ----------------

   After

  Equity Bank decided to directly play in the mobile

   money market by issuing its own SIM

  cards, we debated

   heatedly in

  a previous blog whether Safaricom had finally

   met its match.  At the time, it was

  assumed that Equity

   would be

  selling the traditional SIM card, which would

   require customers to either buy dual

  SIM-card phones or

   carry two

  phones in order to access services from two

   existing providers.

   Even

  within the inconvenient scenario above, Equity with

  its

   large customer base was

  bound to pose some significant

  competition to the leading mobile money provider

   Safaricom.  The surprise, it seems, is

  the secret weapon

   Equity

  unveiled recently in the form of a Thin-SIM

   Card....

  ------

   Read more @

   http://www.nation.co.ke/oped/blogs/dot9/walubengo/-/2274560/2453920/-/11d48l...

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   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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  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@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/dogwallah%40gmail.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.

  --

  Cheers,

  McTim

  "A name indicates

  what we seek. An address indicates where it is. A route

  indicates how we get there."  Jon Postel

  _______________________________________________

  kictanet mailing list

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  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.

  --

  Ahmed Maawy

  Shaper - Global

  Shapers

  Executive Director - M-Power

  (CBO)

  Ambassador - Open Knowledge

  CTO - D8A, Appfrica Labs

  (KE)

  +254 714 960 627

  Skype: ultimateprogramer

  www.globalshapers.org

  www.okfn.org

  www.d8a.com

  www.appfrica.com

  www.apps4africa.org

  _______________________________________________

  kictanet mailing list

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  Unsubscribe or change your

  options at https://lists.kictanet.or.ke/mailman/options/kictanet/mkipyegon%40outlook.co...

  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@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/harry26001%40gmail.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.

  -----Inline Attachment Follows-----

  _______________________________________________

  kictanet mailing list

  kictanet@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/jwalu%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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