Hi All Just to bring some blockchain background into this chat: Blockchain would not replace the last-mile POS terminals or NFC or credit-card (yet), but rather help run the infrastructure behind it. Visa <http://www.coindesk.com/visa-europe-blockchain-no-longer-a-choice/> (also see here <https://www.cryptocoinsnews.com/visa-chooses-india-blockchain-development/>) and Mastercard <http://uk.businessinsider.com/mastercards-garry-lyons-davos-fintech-mastercardlabs-blockchain-bitcoin-2016-1> are some of the largest investors in the technology. So, a card is fine -- but what is the database behind it? Will the card's database be centralized in a single country and only work with domestic terminals -- like the Verve Card by Interswitch in Nigeria? Verve works AWESOME in Nigeria....but nowhere else. The Verve network also does not accept non-Nigerian cards...for any of you who have tried unsuccessfully to swipe your Kenyan Bank's Visa card at the 5+ POS terminals at any Lagos restaurant that advertises "Visa accepted here." There are some really cool Bitcoin cards <https://www.shiftpayments.com/>that use Visa/Mastercard networks for last-mile acceptance...but you can top-up these cards very cheaply using any currency in the world. So - great that Safaricom wants to improve the last-mile experience...but will they own the FX/Fees/Banking options to top-up balance? If these cards work outside of Kenya -- what kind of fees/FX will they have? Who will manage that global treasury and switching between networks? xElizabeth On Fri, Jul 22, 2016 at 11:17 AM, John Gitau via kictanet < kictanet@lists.kictanet.or.ke> wrote:
Well there is no harm for safaricom to do all of them now is there?
Card ,cardless ,blockchain etc. Today the market has specific demands some created by safaricom so the way i see it the more choice i have the better.
JG
On 22 Jul 2016 10:07, "Mwendwa Kivuva via kictanet" < kictanet@lists.kictanet.or.ke> wrote:
On Jul 22, 2016 6:51 AM, "Ali Hussein via kictanet" < kictanet@lists.kictanet.or.ke> wrote:
Grace
Good point. Definitely food for thought. I'm sure Mpesa has a reason to
go back to cards when the very nature of mobile money is card less.
Ali, how I understood it is that if your phone is NFC enabled, you would not need the card. You would just swipe the phone. Again, the card is helpful when you are outside network coverage area, like when you travel abroad.
This will definitely be something to watch keenly.
Ali Hussein
On Jul 22, 2016 6:46 AM, "Grace Mutung'u (Bomu) via kictanet" <
I wonder if the card will be as fees free to the customer as visa.
Therein, would be an advantage. For now there are times when paying through M-pesa is charged and it is quite inconvenient to send an SMS to find out
But the bigger question would be whether this the real future or the full potential of mobile money vis a vis Blockchains... Regards,
On 21 Jul 2016 9:28 p.m., "Mwendwa Kivuva via kictanet" < kictanet@lists.kictanet.or.ke> wrote:
@Barrack,
Imagine just running your NFC phone, or Card at the Point of Sale and
your purchase is done. Instead of the current method where you have to go to an MPESA menu, chose paybill/till, enter paybill number, enter the amount, enter pin, confirm, wait for SMS ....
I expect also you can use the card while abroad ...
Choice is good.
______________________ Mwendwa Kivuva, Nairobi, Kenya twitter.com/lordmwesh
On 21 July 2016 at 19:44, Barrack Otieno via kictanet <
kictanet@lists.kictanet.or.ke> wrote:
@ Wash,
I wonder if it will add any value.
Regards
On 7/20/16, Odhiambo Washington via kictanet <kictanet@lists.kictanet.or.ke> wrote: >
http://qz.com/734842/mobile-money-giant-m-pesa-is-getting-its-own-debit-card...
> > > -- > Best regards, > Odhiambo WASHINGTON, > Nairobi,KE > +254 7 3200 0004/+254 7 2274 3223 > "Oh, the cruft." >
-- Barrack O. Otieno +254721325277 +254733206359 Skype: barrack.otieno PGP ID: 0x2611D86A
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-- Elizabeth Rossiello CEO and Co-Founder *BitPESA* Nigeria: +234 909 345 4135 Kenya: +254 710 891 851 Skype: erossiello