Kenya IGF 2011 Discussions Day 2 of 10 Mobile Payment Platforms
Dear Listers, Mobile payment platforms continue to offer tremendous amount of services and innovation, with the ability to exchange, transmit and store data and content embedded within payments systems. • What are the challenges in balancing consumer protection and regulatory oversight particularly regarding privacy and ownership of information/content and data? • What is the role of policy and regulation for successful transition to new mobile payment channels? the floor is open, feel free to contribute to previous topics as we carry on with the discussion -- Barrack O. Otieno +254721325277 +254-20-2498789 Skype: barrack.otieno
Barrack, Seamless money transfer across mobile networks I think the next step in the rung on mobile payment ladder. This will require policy and regulation to get the providers to set up a sort of 'clearance house' for the providers and ensure that all play ball and that the consumers are protected. There should be a balance between rewarding innovation (read mobile phone companies) and taking care of public interest. Victor -----Original Message----- From: [email protected] [mailto:[email protected]] On Behalf Of Barrack Otieno Sent: 03 July 2011 22:02 To: [email protected] Cc: KICTAnet ICT Policy Discussions Subject: [kictanet] Kenya IGF 2011 Discussions Day 2 of 10 Mobile Payment Platforms Dear Listers, Mobile payment platforms continue to offer tremendous amount of services and innovation, with the ability to exchange, transmit and store data and content embedded within payments systems. . What are the challenges in balancing consumer protection and regulatory oversight particularly regarding privacy and ownership of information/content and data? . What is the role of policy and regulation for successful transition to new mobile payment channels? the floor is open, feel free to contribute to previous topics as we carry on with the discussion -- Barrack O. Otieno +254721325277 +254-20-2498789 Skype: barrack.otieno _______________________________________________ kictanet mailing list [email protected] http://lists.kictanet.or.ke/mailman/listinfo/kictanet Unsubscribe or change your options at http://lists.kictanet.or.ke/mailman/options/kictanet/vgathara%40vimak.co.ke 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.
The mobile phone payments have become one of the most innovative ways of linking people, virtually. However, some insights here are worthy noticing: 1. The consumers' data is bound to be misused by the service providers. Because no one is monitoring the use of the data kept by the providers, it becomes imperative for the providers to employ illegal measurements, which include disclosing subsriber's identity to third parties, who might use them to carry out malice. We've heard cases of subscribers being victims of fraud or threats. I can attest to two of these cases. 2. With lack of data protection mechanism, no one really knows what happens when such data is stored with service providers. Can such data be disclosed after a certain period, so that it becomes public accessible? Indeed consumer needs to be protected from any incident that might hinder proper usage of mobilebanking efficiently. On 03/07/2011, Barrack Otieno <[email protected]> wrote:
Dear Listers,
Mobile payment platforms continue to offer tremendous amount of services and innovation, with the ability to exchange, transmit and store data and content embedded within payments systems. • What are the challenges in balancing consumer protection and regulatory oversight particularly regarding privacy and ownership of information/content and data? • What is the role of policy and regulation for successful transition to new mobile payment channels?
the floor is open, feel free to contribute to previous topics as we carry on with the discussion
-- Barrack O. Otieno +254721325277 +254-20-2498789 Skype: barrack.otieno _______________________________________________ Skunkworks mailing list [email protected] http://orion.my.co.ke/cgi-bin/mailman/listinfo/skunkworks ------------ Skunkworks Rules http://my.co.ke/phpbb/viewtopic.php?f=24&t=94 ------------ Other services @ http://my.co.ke
Simon, This is an alarming opinion. We can surely do better by establishing how telcos handle our data. We are not without law in this area. We actually have a draft bill on data protection developed as a pre emptive measure. Yet the penal code often holds brief before a substantive law is in place. I still think that we put road blocks in our development path. Why will a telco misuse its customer data? If there is something you know in this respect, let us know and have it investigated. I do not think telcos are as careless as you have stated. Regards Ndemo. Sent from my BlackBerry® -----Original Message----- From: Solomon Mburu Kamau <[email protected]> Sender: [email protected] Date: Mon, 4 Jul 2011 16:05:20 To: <[email protected]> Cc: <[email protected]> Subject: Re: [kictanet] [Skunkworks] Kenya IGF 2011 Discussions Day 2 of 10 Mobile Payment Platforms The mobile phone payments have become one of the most innovative ways of linking people, virtually. However, some insights here are worthy noticing: 1. The consumers' data is bound to be misused by the service providers. Because no one is monitoring the use of the data kept by the providers, it becomes imperative for the providers to employ illegal measurements, which include disclosing subsriber's identity to third parties, who might use them to carry out malice. We've heard cases of subscribers being victims of fraud or threats. I can attest to two of these cases. 2. With lack of data protection mechanism, no one really knows what happens when such data is stored with service providers. Can such data be disclosed after a certain period, so that it becomes public accessible? Indeed consumer needs to be protected from any incident that might hinder proper usage of mobilebanking efficiently. On 03/07/2011, Barrack Otieno <[email protected]> wrote:
Dear Listers,
Mobile payment platforms continue to offer tremendous amount of services and innovation, with the ability to exchange, transmit and store data and content embedded within payments systems. • What are the challenges in balancing consumer protection and regulatory oversight particularly regarding privacy and ownership of information/content and data? • What is the role of policy and regulation for successful transition to new mobile payment channels?
the floor is open, feel free to contribute to previous topics as we carry on with the discussion
-- Barrack O. Otieno +254721325277 +254-20-2498789 Skype: barrack.otieno _______________________________________________ Skunkworks mailing list [email protected] http://orion.my.co.ke/cgi-bin/mailman/listinfo/skunkworks ------------ Skunkworks Rules http://my.co.ke/phpbb/viewtopic.php?f=24&t=94 ------------ Other services @ http://my.co.ke
_______________________________________________ kictanet mailing list [email protected] http://lists.kictanet.or.ke/mailman/listinfo/kictanet Unsubscribe or change your options at http://lists.kictanet.or.ke/mailman/options/kictanet/bitange%40jambo.co.ke 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. ---------------------------------------------- This message has been scanned for viruses and dangerous content by Jambo MailScanner, and is believed to be clean. --------------------------------------------- "easy access to the world"
More questions on the mobile payment platforms Q. How is non-repudiation guaranteed in mobile payments? Say I buy a product X from vendor Y then call mobile operator Z to reverse the transaction and give the excuse that I had sent the money to te wrong number. How is the consumer of the service protected? -- ______________________ twitter.com/lordmwesh transworldAfrica.com <http://transworldafrica.com/> | Fluent in computing kenya.or.ke | The Kenya we know
Dear Listers We highly appreciate your contributions. Gathara, thanks for reminding us that there is still work ahead with regards to policy and regulation to ensure consumer protection and the need for all cell phone providers to cooperate. Most important you raise the need to have a balance between rewarding innovation and public interest. Lucy, your views on consumer protection have been noted. Mburu, your concern that consumers data is 'bound' to be misused by service providers means that we have to be vigilant and remember that this is an IG issue. Consumer data could be used for say marketing purposes. However the KCA Act 2009 does provide for data protection but mostly on access to computer data. Bwana PS, in your response to Mburu, you mention that there is a draft data protection bill. I will confess that I have not seen it but I assume that other listers have seen it. Is it available for all of us to consume? Thanks for your commitment to seeing that laws are followed. Steven, i hope listers in the know will provide us with the information on the percentage of bandwidth available on zero facebook. Phares and Andreas, the links are useful. Asanteni. Mutoro, yes the constitution of Kenya is now the supreme law of the land and all other laws must be consistent with this tool. Again, listers, just to repeat what Barrack mentioned on day one, all your views will form the report that will be presented during the Kenyan IGF. Your views are therefore important and we appreciate your time and contributions. Keep them coming! Rgds Grace (the second moderator ) ----------------------------------------------------------------------------------- If you have the strength to survive, you have the power to succeed. Life is all about choices we make depending upon the situation we are in. Go forth and rule the World!
Well said. We shoulld welcome Mpesa and other great ICT innovations but consumer data privacy infringement and/or high risk of the same is another matter altogether - an illegality as defined by article 46 of the constitution Sent from my BlackBerry® -----Original Message----- From: Solomon Mburu Kamau <[email protected]> Sender: [email protected] Date: Mon, 4 Jul 2011 16:05:20 To: <[email protected]> Cc: <[email protected]> Subject: Re: [kictanet] [Skunkworks] Kenya IGF 2011 Discussions Day 2 of 10 Mobile Payment Platforms The mobile phone payments have become one of the most innovative ways of linking people, virtually. However, some insights here are worthy noticing: 1. The consumers' data is bound to be misused by the service providers. Because no one is monitoring the use of the data kept by the providers, it becomes imperative for the providers to employ illegal measurements, which include disclosing subsriber's identity to third parties, who might use them to carry out malice. We've heard cases of subscribers being victims of fraud or threats. I can attest to two of these cases. 2. With lack of data protection mechanism, no one really knows what happens when such data is stored with service providers. Can such data be disclosed after a certain period, so that it becomes public accessible? Indeed consumer needs to be protected from any incident that might hinder proper usage of mobilebanking efficiently. On 03/07/2011, Barrack Otieno <[email protected]> wrote:
Dear Listers,
Mobile payment platforms continue to offer tremendous amount of services and innovation, with the ability to exchange, transmit and store data and content embedded within payments systems. • What are the challenges in balancing consumer protection and regulatory oversight particularly regarding privacy and ownership of information/content and data? • What is the role of policy and regulation for successful transition to new mobile payment channels?
the floor is open, feel free to contribute to previous topics as we carry on with the discussion
-- Barrack O. Otieno +254721325277 +254-20-2498789 Skype: barrack.otieno _______________________________________________ Skunkworks mailing list [email protected] http://orion.my.co.ke/cgi-bin/mailman/listinfo/skunkworks ------------ Skunkworks Rules http://my.co.ke/phpbb/viewtopic.php?f=24&t=94 ------------ Other services @ http://my.co.ke
_______________________________________________ kictanet mailing list [email protected] http://lists.kictanet.or.ke/mailman/listinfo/kictanet Unsubscribe or change your options at http://lists.kictanet.or.ke/mailman/options/kictanet/stephen%40cofek.co.ke 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.
Dear Listers, Many thanks for your insightfull contribution to todays topics @ Aki, you pointed out the need for innovators to be involved in the policy making process so that they can highlight the challenges they are facing and make sure they are part and parcel of a process that creates a favourable policy environment. On another thread Ps. Ndemo was of the opinion that the the problem with discussions is that they are not backed by proper research and that there is need for proper research if we are to attain the status of a Knowledge society. @ Victor , you bring out the need for a clearing house to facilitate seamless transfer of money across networks, i hope the revised policy will address this issue. @ Solomon and Steven you emphasise on the need for data protection, Dr. Ndemo has come out to state that adequate measures are in place to ensure consumer data is adequately protected. Lucy Kimani on the other hand has emphasised on the need for a risk management framework to secure clients funds. let the debate continue. On Mon, Jul 4, 2011 at 6:08 PM, Stephen Mutoro <[email protected]> wrote:
Well said. We shoulld welcome Mpesa and other great ICT innovations but consumer data privacy infringement and/or high risk of the same is another matter altogether - an illegality as defined by article 46 of the constitution
Sent from my BlackBerry®
-----Original Message----- From: Solomon Mburu Kamau <[email protected]> Sender: [email protected] Date: Mon, 4 Jul 2011 16:05:20 To: <[email protected]> Cc: <[email protected]> Subject: Re: [kictanet] [Skunkworks] Kenya IGF 2011 Discussions Day 2 of 10 Mobile Payment Platforms
The mobile phone payments have become one of the most innovative ways of linking people, virtually. However, some insights here are worthy noticing: 1. The consumers' data is bound to be misused by the service providers. Because no one is monitoring the use of the data kept by the providers, it becomes imperative for the providers to employ illegal measurements, which include disclosing subsriber's identity to third parties, who might use them to carry out malice. We've heard cases of subscribers being victims of fraud or threats. I can attest to two of these cases. 2. With lack of data protection mechanism, no one really knows what happens when such data is stored with service providers. Can such data be disclosed after a certain period, so that it becomes public accessible?
Indeed consumer needs to be protected from any incident that might hinder proper usage of mobilebanking efficiently.
On 03/07/2011, Barrack Otieno <[email protected]> wrote:
Dear Listers,
Mobile payment platforms continue to offer tremendous amount of services and innovation, with the ability to exchange, transmit and store data and content embedded within payments systems. • What are the challenges in balancing consumer protection and regulatory oversight particularly regarding privacy and ownership of information/content and data? • What is the role of policy and regulation for successful transition to new mobile payment channels?
the floor is open, feel free to contribute to previous topics as we carry on with the discussion
-- Barrack O. Otieno +254721325277 +254-20-2498789 Skype: barrack.otieno _______________________________________________ Skunkworks mailing list [email protected] http://orion.my.co.ke/cgi-bin/mailman/listinfo/skunkworks ------------ Skunkworks Rules http://my.co.ke/phpbb/viewtopic.php?f=24&t=94 ------------ Other services @ http://my.co.ke
_______________________________________________ kictanet mailing list [email protected] http://lists.kictanet.or.ke/mailman/listinfo/kictanet
Unsubscribe or change your options at http://lists.kictanet.or.ke/mailman/options/kictanet/stephen%40cofek.co.ke
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 [email protected] http://lists.kictanet.or.ke/mailman/listinfo/kictanet
Unsubscribe or change your options at http://lists.kictanet.or.ke/mailman/options/kictanet/otieno.barrack%40gmail....
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.
-- Barrack O. Otieno Afriregister Ltd (Kenya) www.afriregister.bi, www.afriregister.com ICANN accredited registrar +254721325277 +254-20-2498789 Skype: barrack.otieno
Dear Listers,
Many thanks for your insightfull contribution to todays topics @ Aki, you pointed out the need for innovators to be involved in the policy making process so that they can highlight the challenges they are facing and make sure they are part and parcel of a process that creates a favourable policy environment. On another thread Ps. Ndemo was of the opinion that the the problem with discussions is that they are not backed by proper research and that there is need for proper research if we are to attain the status of a Knowledge society. @ Victor , you bring out the need for a clearing house to facilitate seamless transfer of money across networks, i hope the revised policy will address this issue. @ Solomon and Steven you emphasise on the need for data protection, Dr. Ndemo has come out to state that adequate measures are in place to ensure consumer data is adequately protected. Lucy Kimani on the other hand has emphasised on the need for a risk management framework to secure clients funds. let the debate continue.
On Mon, Jul 4, 2011 at 6:08 PM, Stephen Mutoro <[email protected]> wrote:
Well said. We shoulld welcome Mpesa and other great ICT innovations but consumer data privacy infringement and/or high risk of the same is another matter altogether - an illegality as defined by article 46 of the constitution
Sent from my BlackBerry®
-----Original Message----- From: Solomon Mburu Kamau <[email protected]> Sender: [email protected] Date: Mon, 4 Jul 2011 16:05:20 To: <[email protected]> Cc: <[email protected]> Subject: Re: [kictanet] [Skunkworks] Kenya IGF 2011 Discussions Day 2 of 10 Mobile Payment Platforms
The mobile phone payments have become one of the most innovative ways of linking people, virtually. However, some insights here are worthy noticing: 1. The consumers' data is bound to be misused by the service providers. Because no one is monitoring the use of the data kept by the providers, it becomes imperative for the providers to employ illegal measurements, which include disclosing subsriber's identity to third parties, who might use them to carry out malice. We've heard cases of subscribers being victims of fraud or threats. I can attest to two of these cases. 2. With lack of data protection mechanism, no one really knows what happens when such data is stored with service providers. Can such data be disclosed after a certain period, so that it becomes public accessible?
Indeed consumer needs to be protected from any incident that might hinder proper usage of mobilebanking efficiently.
On 03/07/2011, Barrack Otieno <[email protected]> wrote:
Dear Listers,
Mobile payment platforms continue to offer tremendous amount of services and innovation, with the ability to exchange, transmit and store data and content embedded within payments systems. • What are the challenges in balancing consumer protection and regulatory oversight particularly regarding privacy and ownership of information/content and data? • What is the role of policy and regulation for successful
Dear Listers, As we close the days discussion, feel free to share your views on the following : *Impact of reduction of pre/paid tariffs* - Has there been any impact since the prepaid tarrifs were reduced, are there any lessons to be learned. On Mon, Jul 4, 2011 at 8:57 PM, Barrack Otieno <[email protected]> wrote: transition
to new mobile payment channels?
the floor is open, feel free to contribute to previous topics as we carry on with the discussion
-- Barrack O. Otieno +254721325277 +254-20-2498789 Skype: barrack.otieno _______________________________________________ Skunkworks mailing list [email protected] http://orion.my.co.ke/cgi-bin/mailman/listinfo/skunkworks ------------ Skunkworks Rules http://my.co.ke/phpbb/viewtopic.php?f=24&t=94 ------------ Other services @ http://my.co.ke
_______________________________________________ kictanet mailing list [email protected] http://lists.kictanet.or.ke/mailman/listinfo/kictanet
Unsubscribe or change your options at http://lists.kictanet.or.ke/mailman/options/kictanet/stephen%40cofek.co.ke
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 [email protected] http://lists.kictanet.or.ke/mailman/listinfo/kictanet
Unsubscribe or change your options at http://lists.kictanet.or.ke/mailman/options/kictanet/otieno.barrack%40gmail....
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.
-- Barrack O. Otieno Afriregister Ltd (Kenya) www.afriregister.bi, www.afriregister.com ICANN accredited registrar +254721325277 +254-20-2498789 Skype: barrack.otieno
-- Barrack O. Otieno Afriregister Ltd (Kenya) www.afriregister.bi, www.afriregister.com ICANN accredited registrar +254721325277 +254-20-2498789 Skype: barrack.otieno
participants (7)
-
Barrack Otieno -
bitange＠jambo.co.ke -
Grace Githaiga -
lordmwesh -
Solomon Mburu Kamau -
Stephen Mutoro -
Victor Gathara