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 <javascript:_e(%7B%7D,'cvml','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 <javascript:_e(%7B%7D,'cvml','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 <javascript:_e(%7B%7D,'cvml','kictanet@lists.kictanet.or.ke');>> wrote:
Subject: Re: [kictanet] Fw: Equity Bank vs Safaricom :-Round 2 To: jwalu@yahoo.com <javascript:_e(%7B%7D,'cvml','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 <javascript:_e(%7B%7D,'cvml','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 <javascript:_e(%7B%7D,'cvml','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 <javascript:_e(%7B%7D,'cvml','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 <javascript:_e(%7B%7D,'cvml','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 <javascript:_e(%7B%7D,'cvml','yes2dotafrica@dotconnectafrica.org');> Visit our press room - Nobody believes the official spokesman...but everybody trusts an unidentified source. -Ron Nesen - They stole without hiding because their father is the chief of police -GR ------------------------------------------------------------------------------------------------------Sophia Bekele (Ms), BS, MBA, C.I.S.A, C.C.S, CGEIT, CBS International, Inc ,Ca, USA/Africa +1 925-935-1589:US Tel;+1 925-818-4322:US cell; +251-91-120-1449 :ET; +254-703-250 969 Kenya Tel; +254-73695-7584 Cell, skype: sbekele, Bing:"sophia bekele"PRIVILEGED AND CONFIDENTIAL COMMUNICATION NOTICE. The information contained in this email message is legally privileged and confidential, and is intended solely for the uses of the addressee. Any unauthorized dissemination,distribution or copying of this email is expressly prohibited. If you have received this email message in error, please notify the sender immediately and delete this message and any attachments. Thank you.
On Tuesday, September 16, 2014 7:52 AM, Ali Hussein via kictanet < kictanet@lists.kictanet.or.ke <javascript:_e(%7B%7D,'cvml','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 / 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 <javascript:_e(%7B%7D,'cvml','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 <javascript:_e(%7B%7D,'cvml','kictanet@lists.kictanet.or.ke');>> wrote:
Subject: Re: [kictanet] Equity Bank vs Safaricom :-Round 2 To: jwalu@yahoo.com <javascript:_e(%7B%7D,'cvml','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 <javascript:_e(%7B%7D,'cvml','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 <javascript:_e(%7B%7D,'cvml','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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