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:
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....
 
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Sophia
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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 / 0713 601113

Twitter: @AliHKassim
Skype: abu-jomo
Blog: 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/-/11d48l2z/-/index.html











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