Safaricom does not necessarily agree to the move but will cooperate while it still needs to.”We are particularly encouraged that CA has commenced the process of hiring an independent and reputable international firm to conduct a security audit on all SIM cards, and in particular the use of the SIM overlay technology in mobile money transfer services. We therefore implore the CA to fast track the security review and to publish the guidelines in the interests of protecting consumers and financial institutions who will remain vulnerable to the potential risks created by the ‘man-in-the-middle attack’. ”On Mon, Sep 22, 2014 at 6:36 PM, Bernard Kioko via kictanet <kictanet@lists.kictanet.or.ke> wrote:Change is the only permanent thing!
https://lists.kictanet.or.ke/mailman/options/kictanet/bkioko%40bernsoft.com
-----Original Message-----
From: kictanet
[mailto:kictanet-bounces+bkioko=bernsoft.com@lists.kictanet.or.ke] On Behalf
Of Walubengo J via kictanet
Sent: Monday, September 22, 2014 6:30 PM
To: bkioko@bernsoft.com
Subject: Re: [kictanet] Equity Given Go Ahead by CAK
@Charles,
Interesting views. I dont speak for Equity - and am not even a MEMBER
(their customer). However, they have the following going for them.
1) they do have their OWN SIM card targetting their 8m banking customers.
They can actually make money out their core group of customers using their
mobile virtual network (riding on Airtel telco infrastructure i believe).
2) the thin-SIM technology is just a nice option for their 8m customers AND
the 20+million Safaricom customers.
3) indeed Safcom can play dirty but I am sure they wont because (a) they can
take on Equity challenge and (b) the regulator seems more ready than ever to
pounce on them (recall regulator has been "looking" for them over quality
issues :-).
Remember, this looks like a mobile money battle, but the real deal is the
collateral damage it is likely to cause in the voice market because once a
Safaricom customer mounts the thin SIM Card and discovers that they can make
cheaper calls/sms with it without losing their MPESA functionality...they
will actually be having their cake (MPESA) while eating it (making Cheaper
calls on the Equity Mobile virtual network).
Essentially, Equity is breaking a small gap into the Safaricom defensive
wall(MPESA) and once in, even the data-market may eventually be free for all
i.e. #checkmate.
walu.
--------------------------------------------
On Mon, 9/22/14, Charles Kimani via kictanet <kictanet@lists.kictanet.or.ke>
wrote:
Subject: Re: [kictanet] Equity Given Go Ahead by CAK
To: jwalu@yahoo.com
Date: Monday, September 22, 2014, 4:44 PM
I
think the thin sim strategy is brilliant...in theory.
However, I am also
wondering just how wise it is to place the success of your business model
at the mercy of a hostile, powerful and uncooperative business rival. What
if - 6 months after launch, for example - Safaricom decide to upgrade all
their sim cards (genuinely or otherwise) just when Equity is in the middle
of a critical (probably expensive) product rollout? What if Safaricom
customer service and dealer/retail channels start advising subscribers who
are having issues with their lines that the thin sim is the cause of their
problems and show them how to remove it?
How will Equity map their processes
and logistics with the Safaricom SIM replacement processes?
Will Equity subscribers need to remember to make an extra stop at an
Equity outlet to have their thin sim re-attached once they do a sim swap?
How easy is it to attach these thin sims?
We have
previously seen smart sabotage tactics bring down SAB Miller ambitions in
the Kenyan market. Equity - in my opinion - is giving too much firepower to
a determined competitor. It might be cheaper in the long run to just invest
in own SIM and take Safaricom head-on.
Regards,Charles
On Mon, Sep 22, 2014 at
4:18 PM, Dennis Kioko via kictanet <kictanet@lists.kictanet.or.ke>
wrote:
Meanwhile, I did get the Equitel SIM Card (haven't seen the infamous Thin
SIM). So far, here's my experience with the
same. http://www.infotake.co.ke/2014/09/how-does-equity-banks-equitel-work.h
tml
On 22 September 2014 16:11, Barrack
Otieno via kictanet <kictanet@lists.kictanet.or.ke>
wrote:
Sometimes
diversification leads to loss of focus. Interesting discussions but let us
see if this scenario will change some of this Principles that have evolved
over time.
Best Regards
On Mon, Sep 22,
2014 at 3:56 PM, Bernard Kioko via kictanet <kictanet@lists.kictanet.or.ke>
wrote:
I have noted media reports
indicating Equity has been granted go-ahead by CAK to operate with
Thin-Sim cards. Game changing I suppose.
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