Equity Bank vs Safaricom :-Round 2
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...
"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/-/11d48l...
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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.
-- Regards, Collins Areba, P.O Box 44441, 00100 Nairobi, Kenya. Tel: +254 707 750 788 / 720 516 758 Twitter: @arebacollins. Skype: arebacollins
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: @AliHKassim Skype: abu-jomo LinkedIn: http://ke.linkedin.com/in/alihkassim 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 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/-/11d48l...
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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.
-- Regards,
Collins Areba, P.O Box 44441, 00100 Nairobi, Kenya. Tel: +254 707 750 788 / 720 516 758 Twitter: @arebacollins. Skype: arebacollins _______________________________________________ kictanet mailing list kictanet@lists.kictanet.or.ke https://lists.kictanet.or.ke/mailman/listinfo/kictanet
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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.
@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/-/11d48l... _______________________________________________ kictanet mailing list kictanet@lists.kictanet.or.ke https://lists.kictanet.or.ke/mailman/listinfo/kictanet Unsubscribe or change your options at https://lists.kictanet.or.ke/mailman/options/kictanet/arebacollins%40gmail.c... 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. -- Regards, Collins Areba, P.O Box 44441, 00100 Nairobi, Kenya. Tel: +254 707 750 788 / 720 516 758 Twitter: @arebacollins. Skype: arebacollins _______________________________________________ kictanet mailing list kictanet@lists.kictanet.or.ke https://lists.kictanet.or.ke/mailman/listinfo/kictanet Unsubscribe or change your options at https://lists.kictanet.or.ke/mailman/options/kictanet/info%40alyhussein.com 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. -----Inline Attachment Follows----- _______________________________________________ kictanet mailing list kictanet@lists.kictanet.or.ke https://lists.kictanet.or.ke/mailman/listinfo/kictanet Unsubscribe or change your options at https://lists.kictanet.or.ke/mailman/options/kictanet/jwalu%40yahoo.com 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.
@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 LinkedIn: http://ke.linkedin.com/in/alihkassim 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/-/11d48l...
_______________________________________________
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Unsubscribe or change your options at https://lists.kictanet.or.ke/mailman/options/kictanet/arebacollins%40gmail.c...
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.
-- Regards,
Collins Areba, P.O Box 44441, 00100 Nairobi, Kenya. Tel: +254 707 750 788 / 720 516 758 Twitter: @arebacollins. Skype: arebacollins
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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. -----Inline Attachment Follows-----
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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.
resting discussion on where mobile baking is going.... With best wishes, Sophia Support our "YES" to .africa Campaign! www.dotconnectafrica.org Follow us ontwitter and facebookEmail us at: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> 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 LinkedIn: 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> 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/-/11d48l...
_______________________________________________
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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.
-- Regards,
Collins Areba, P.O Box 44441, 00100 Nairobi, Kenya. Tel: +254 707 750 788 / 720 516 758 Twitter: @arebacollins. Skype: arebacollins
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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. -----Inline Attachment Follows-----
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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.
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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> wrote:
resting discussion on where mobile baking is going....
With best wishes, *Sophia * Support our "YES" to .africa Campaign! www.dotconnectafrica.org Follow us on <http://twitter.com/#%21/dot_africa>twitter <http://twitter.com/#%21/dot_africa> and facebook <http://www.facebook.com/pages/Africa-DotAfrica/251093366219?ref=ts> Email us at: yes2dotafrica@dotconnectafrica.org Visit our press room <http://pressroom.prlog.org/dotconnectafrica/> *- 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 <http://cbsegroup.com/>,Ca, USA/Africa +1 925-935-1589 <%2B1%20925-935-1589>:US Tel;+1 925-818-4322 <%2B1%20925-818-4322>:US cell; +251-91-120-1449 <%2B251-91-120-1449>* *: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> 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 LinkedIn: http://ke.linkedin.com/in/alihkassim <http://ke.linkedin.com/in/alihkassim> 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/-/11d48l...
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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.
-- Regards,
Collins Areba, P.O Box 44441, 00100 Nairobi, Kenya. Tel: +254 707 750 788 / 720 516 758 Twitter: @arebacollins. Skype: arebacollins
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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.
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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.
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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.
-- Cheers, McTim "A name indicates what we seek. An address indicates where it is. A route indicates how we get there." Jon Postel
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:
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> wrote:
resting discussion on where mobile baking is going....
With best wishes, *Sophia * Support our "YES" to .africa Campaign! www.dotconnectafrica.org Follow us on <http://twitter.com/#%21/dot_africa>twitter <http://twitter.com/#%21/dot_africa> and facebook <http://www.facebook.com/pages/Africa-DotAfrica/251093366219?ref=ts> Email us at: yes2dotafrica@dotconnectafrica.org Visit our press room <http://pressroom.prlog.org/dotconnectafrica/> *- 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 <http://cbsegroup.com/>,Ca, USA/Africa +1 925-935-1589 <%2B1%20925-935-1589>:US Tel;+1 925-818-4322 <%2B1%20925-818-4322>:US cell; +251-91-120-1449 <%2B251-91-120-1449>* *: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> 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 LinkedIn: http://ke.linkedin.com/in/alihkassim <http://ke.linkedin.com/in/alihkassim> 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/-/11d48l...
_______________________________________________
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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.
-- Regards,
Collins Areba, P.O Box 44441, 00100 Nairobi, Kenya. Tel: +254 707 750 788 / 720 516 758 Twitter: @arebacollins. Skype: arebacollins
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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. -----Inline Attachment Follows-----
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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.
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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 kictanet@lists.kictanet.or.ke https://lists.kictanet.or.ke/mailman/listinfo/kictanet
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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.
-- Cheers,
McTim "A name indicates what we seek. An address indicates where it is. A route indicates how we get there." Jon Postel
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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.
-- Ahmed Maawy Shaper - Global Shapers Executive Director - M-Power (CBO) Ambassador - Open Knowledge CTO - D8A, Appfrica Labs (KE) +254 714 960 627 Skype: ultimateprogramer www.globalshapers.org <http://globalshapers.org/> www.okfn.org <http://okfn.org/> www.d8a.com www.appfrica.com www.apps4africa.org
@McTim He said Airtel. On Tue, Sep 16, 2014 at 8:09 PM, 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:
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> wrote:
resting discussion on where mobile baking is going....
With best wishes, *Sophia * Support our "YES" to .africa Campaign! www.dotconnectafrica.org Follow us on <http://twitter.com/#%21/dot_africa>twitter <http://twitter.com/#%21/dot_africa> and facebook <http://www.facebook.com/pages/Africa-DotAfrica/251093366219?ref=ts> Email us at: yes2dotafrica@dotconnectafrica.org Visit our press room <http://pressroom.prlog.org/dotconnectafrica/> *- 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 <http://cbsegroup.com/>,Ca, USA/Africa +1 925-935-1589 <%2B1%20925-935-1589>:US Tel;+1 925-818-4322 <%2B1%20925-818-4322>:US cell; +251-91-120-1449 <%2B251-91-120-1449>* *: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> 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 LinkedIn: http://ke.linkedin.com/in/alihkassim <http://ke.linkedin.com/in/alihkassim> 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/-/11d48l...
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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.
-- Regards,
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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. -----Inline Attachment Follows-----
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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.
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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.
-- Cheers,
McTim "A name indicates what we seek. An address indicates where it is. A route indicates how we get there." Jon Postel
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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.
-- Ahmed Maawy Shaper - Global Shapers Executive Director - M-Power (CBO) Ambassador - Open Knowledge CTO - D8A, Appfrica Labs (KE) +254 714 960 627 Skype: ultimateprogramer
www.globalshapers.org <http://globalshapers.org/> www.okfn.org <http://okfn.org/> www.d8a.com www.appfrica.com www.apps4africa.org
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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.
-- Regards, Collins Areba, P.O Box 44441, 00100 Nairobi, Kenya. Tel: +254 707 750 788 / 720 516 758 Twitter: @arebacollins. Skype: arebacollins
thanks, missed that...that should increase Airtel's bottom line anyway! On Tue, Sep 16, 2014 at 12:14 PM, Collins Areba via kictanet < kictanet@lists.kictanet.or.ke> wrote:
@McTim He said Airtel.
On Tue, Sep 16, 2014 at 8:09 PM, 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:
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> wrote:
resting discussion on where mobile baking is going....
With best wishes, *Sophia * Support our "YES" to .africa Campaign! www.dotconnectafrica.org Follow us on <http://twitter.com/#%21/dot_africa>twitter <http://twitter.com/#%21/dot_africa> and facebook <http://www.facebook.com/pages/Africa-DotAfrica/251093366219?ref=ts> Email us at: yes2dotafrica@dotconnectafrica.org Visit our press room <http://pressroom.prlog.org/dotconnectafrica/> *- 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 <http://cbsegroup.com/>,Ca, USA/Africa +1 925-935-1589 <%2B1%20925-935-1589>:US Tel;+1 925-818-4322 <%2B1%20925-818-4322>:US cell; +251-91-120-1449 <%2B251-91-120-1449>* *: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> 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 LinkedIn: http://ke.linkedin.com/in/alihkassim <http://ke.linkedin.com/in/alihkassim> 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/-/11d48l...
_______________________________________________
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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.
-- Regards,
Collins Areba, P.O Box 44441, 00100 Nairobi, Kenya. Tel: +254 707 750 788 / 720 516 758 Twitter: @arebacollins. Skype: arebacollins
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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. -----Inline Attachment Follows-----
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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.
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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.
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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.
-- Cheers,
McTim "A name indicates what we seek. An address indicates where it is. A route indicates how we get there." Jon Postel
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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.
-- Ahmed Maawy Shaper - Global Shapers Executive Director - M-Power (CBO) Ambassador - Open Knowledge CTO - D8A, Appfrica Labs (KE) +254 714 960 627 Skype: ultimateprogramer
www.globalshapers.org <http://globalshapers.org/> www.okfn.org <http://okfn.org/> www.d8a.com www.appfrica.com www.apps4africa.org
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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.
-- Regards,
Collins Areba, P.O Box 44441, 00100 Nairobi, Kenya. Tel: +254 707 750 788 / 720 516 758 Twitter: @arebacollins. Skype: arebacollins
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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.
-- Cheers, McTim "A name indicates what we seek. An address indicates where it is. A route indicates how we get there." Jon Postel
Unless something changed / changes real fast at Airtel. This project is destined to the same trash bin. How can customer care promise to respond to you in 48 Hours, and still have not responded three weeks down the line... IN 2014?? On Tue, Sep 16, 2014 at 8:19 PM, McTim <dogwallah@gmail.com> wrote:
thanks, missed that...that should increase Airtel's bottom line anyway!
On Tue, Sep 16, 2014 at 12:14 PM, Collins Areba via kictanet < kictanet@lists.kictanet.or.ke> wrote:
@McTim He said Airtel.
On Tue, Sep 16, 2014 at 8:09 PM, 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:
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> wrote:
resting discussion on where mobile baking is going....
With best wishes, *Sophia * Support our "YES" to .africa Campaign! www.dotconnectafrica.org Follow us on <http://twitter.com/#%21/dot_africa>twitter <http://twitter.com/#%21/dot_africa> and facebook <http://www.facebook.com/pages/Africa-DotAfrica/251093366219?ref=ts> Email us at: yes2dotafrica@dotconnectafrica.org Visit our press room <http://pressroom.prlog.org/dotconnectafrica/> *- 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 <http://cbsegroup.com/>,Ca, USA/Africa +1 925-935-1589 <%2B1%20925-935-1589>:US Tel;+1 925-818-4322 <%2B1%20925-818-4322>:US cell; +251-91-120-1449 <%2B251-91-120-1449>* *: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> 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 LinkedIn: http://ke.linkedin.com/in/alihkassim <http://ke.linkedin.com/in/alihkassim> 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/-/11d48l...
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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.
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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.
-- Regards,
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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.
-- Cheers,
McTim "A name indicates what we seek. An address indicates where it is. A route indicates how we get there." Jon Postel
-- Regards, Collins Areba, P.O Box 44441, 00100 Nairobi, Kenya. Tel: +254 707 750 788 / 720 516 758 Twitter: @arebacollins. Skype: arebacollins
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: 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> wrote: resting discussion on where mobile baking is going....
With best wishes, Sophia Support our "YES" to .africa Campaign! www.dotconnectafrica.org Follow us on twitter and facebook Email us at: 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> 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 LinkedIn: http://ke.linkedin.com/in/alihkassim 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/-/11d48l...
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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.
-- Regards,
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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.
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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.
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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> 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> 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:
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> wrote:
resting discussion on where mobile baking is going....
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*- 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 <http://cbsegroup.com/>,Ca, USA/Africa +1 925-935-1589 <%2B1%20925-935-1589>:US Tel;+1 925-818-4322 <%2B1%20925-818-4322>:US cell; +251-91-120-1449 <%2B251-91-120-1449>* *: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> 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 LinkedIn: http://ke.linkedin.com/in/alihkassim <http://ke.linkedin.com/in/alihkassim> 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/-/11d48l...
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@ 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> wrote: Subject: Re: [kictanet] Fw: Equity Bank vs Safaricom :-Round 2 To: 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> 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> 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: 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> 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 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> 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> 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/-/11d48l... _______________________________________________ kictanet mailing list kictanet@lists.kictanet.or.ke https://lists.kictanet.or.ke/mailman/listinfo/kictanet Unsubscribe or change your options at https://lists.kictanet.or.ke/mailman/options/kictanet/arebacollins%40gmail.c... 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. -- Regards, Collins Areba, P.O Box 44441, 00100 Nairobi, Kenya. Tel: +254 707 750 788 / 720 516 758 Twitter: @arebacollins. Skype: arebacollins _______________________________________________ kictanet mailing list kictanet@lists.kictanet.or.ke https://lists.kictanet.or.ke/mailman/listinfo/kictanet Unsubscribe or change your options at https://lists.kictanet.or.ke/mailman/options/kictanet/info%40alyhussein.com 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. -----Inline Attachment Follows----- _______________________________________________ kictanet mailing list kictanet@lists.kictanet.or.ke https://lists.kictanet.or.ke/mailman/listinfo/kictanet Unsubscribe or change your options at https://lists.kictanet.or.ke/mailman/options/kictanet/jwalu%40yahoo.com 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 kictanet@lists.kictanet.or.ke https://lists.kictanet.or.ke/mailman/listinfo/kictanet Unsubscribe or change your options at https://lists.kictanet.or.ke/mailman/options/kictanet/sophiabekele%40yahoo.c... 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 kictanet@lists.kictanet.or.ke https://lists.kictanet.or.ke/mailman/listinfo/kictanet Unsubscribe or change your options at https://lists.kictanet.or.ke/mailman/options/kictanet/dogwallah%40gmail.com 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. -- Cheers, McTim "A name indicates what we seek. An address indicates where it is. A route indicates how we get there." Jon Postel _______________________________________________ kictanet mailing list kictanet@lists.kictanet.or.ke https://lists.kictanet.or.ke/mailman/listinfo/kictanet Unsubscribe or change your options at https://lists.kictanet.or.ke/mailman/options/kictanet/ultimateprogramer%40gm... 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. -- Ahmed Maawy Shaper - Global Shapers Executive Director - M-Power (CBO) Ambassador - Open Knowledge CTO - D8A, Appfrica Labs (KE) +254 714 960 627 Skype: ultimateprogramer www.globalshapers.org www.okfn.org www.d8a.com www.appfrica.com www.apps4africa.org _______________________________________________ kictanet mailing list kictanet@lists.kictanet.or.ke https://lists.kictanet.or.ke/mailman/listinfo/kictanet Unsubscribe or change your options at https://lists.kictanet.or.ke/mailman/options/kictanet/mkipyegon%40outlook.co... 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 kictanet@lists.kictanet.or.ke https://lists.kictanet.or.ke/mailman/listinfo/kictanet Unsubscribe or change your options at https://lists.kictanet.or.ke/mailman/options/kictanet/harry26001%40gmail.com 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. -----Inline Attachment Follows----- _______________________________________________ kictanet mailing list kictanet@lists.kictanet.or.ke https://lists.kictanet.or.ke/mailman/listinfo/kictanet Unsubscribe or change your options at https://lists.kictanet.or.ke/mailman/options/kictanet/jwalu%40yahoo.com 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. 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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> 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> wrote:
Subject: Re: [kictanet] Fw: Equity Bank vs Safaricom :-Round 2 To: 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> 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> 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:
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> 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 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
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> 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/-/11d48l...
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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> 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> 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> wrote:
Subject: Re: [kictanet] Fw: Equity Bank vs Safaricom :-Round 2 To: 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> 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> 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:
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> 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 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> 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> 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/-/11d48l...
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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.
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Tel: +254 707 750 788 / 720 516 758
Twitter: @arebacollins.
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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. -----Inline Attachment Follows-----
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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
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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.
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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.
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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.
-- Ahmed Maawy Shaper - Global Shapers Executive Director - M-Power (CBO) Ambassador - Open Knowledge CTO - D8A, Appfrica Labs (KE) +254 714 960 627 Skype: ultimateprogramer
www.globalshapers.org www.okfn.org www.d8a.com www.appfrica.com www.apps4africa.org
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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. _______________________________________________
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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.
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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.
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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.
-- Regards,
Collins Areba, P.O Box 44441, 00100 Nairobi, Kenya. Tel: +254 707 750 788 / 720 516 758 Twitter: @arebacollins. Skype: arebacollins
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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.
I just see so many barriers to entry. As if even having a dual SIM was in itself not what some people like to have. On Wed, Sep 17, 2014 at 1:21 PM, 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> 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> 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> wrote:
Subject: Re: [kictanet] Fw: Equity Bank vs Safaricom :-Round 2 To: 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> 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> 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:
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> 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 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> 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> 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/-/11d48l...
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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.
--
Regards,
Collins Areba, P.O Box 44441, 00100 Nairobi, Kenya.
Tel: +254 707 750 788 / 720 516 758
Twitter: @arebacollins.
Skype: arebacollins
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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. -----Inline Attachment Follows-----
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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
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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.
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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.
-- Cheers,
McTim "A name indicates what we seek. An address indicates where it is. A route indicates how we get there." Jon Postel
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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.
-- Ahmed Maawy Shaper - Global Shapers Executive Director - M-Power (CBO) Ambassador - Open Knowledge CTO - D8A, Appfrica Labs (KE) +254 714 960 627 Skype: ultimateprogramer
www.globalshapers.org www.okfn.org www.d8a.com www.appfrica.com www.apps4africa.org
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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. _______________________________________________
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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.
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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.
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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.
-- Regards,
Collins Areba, P.O Box 44441, 00100 Nairobi, Kenya. Tel: +254 707 750 788 / 720 516 758 Twitter: @arebacollins. Skype: arebacollins
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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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@Dennis. To me its one more reason why I should get paranoid when I am walking or driving around the streets. The fact that at gun point you can do a lot of damage to your account at the command of your mobile device. On Wed, Sep 17, 2014 at 1:28 PM, Dennis Kioko via kictanet < kictanet@lists.kictanet.or.ke> wrote:
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> 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> 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> wrote:
Subject: Re: [kictanet] Fw: Equity Bank vs Safaricom :-Round 2 To: 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> 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> 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:
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> 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 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> 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> 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/-/11d48l...
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Come to think of this, Would this lead to a rise in Handset Locking to network under plans much like AT&T does elsewhere? Leading to a change in business model from exclusively traditional Prepay to Device Lock in. Or does the regulator intend to block the larger companies from doing this too? On Wed, Sep 17, 2014 at 1:28 PM, Dennis Kioko via kictanet < kictanet@lists.kictanet.or.ke> wrote:
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> 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> 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> wrote:
Subject: Re: [kictanet] Fw: Equity Bank vs Safaricom :-Round 2 To: 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> 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> 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:
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> 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 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> 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> 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/-/11d48l...
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@Dennis: I don't see Equity Bank worried that they may be exposing consumers in the way you just presented, and this has not come out yet in an argument before. You realize that the same bank account has been accessible on the mobile phone via USSD shortcodes that most of these banks have that they call "mobile banking". On Wed, Sep 17, 2014 at 1:33 PM, Collins Areba via kictanet < kictanet@lists.kictanet.or.ke> wrote:
Come to think of this, Would this lead to a rise in Handset Locking to network under plans much like AT&T does elsewhere? Leading to a change in business model from exclusively traditional Prepay to Device Lock in. Or does the regulator intend to block the larger companies from doing this too?
On Wed, Sep 17, 2014 at 1:28 PM, Dennis Kioko via kictanet < kictanet@lists.kictanet.or.ke> wrote:
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> 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> 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> wrote:
Subject: Re: [kictanet] Fw: Equity Bank vs Safaricom :-Round 2 To: 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> 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> 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:
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> 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 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> 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> 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/-/11d48l...
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--
Regards,
Collins Areba, P.O Box 44441, 00100 Nairobi, Kenya.
Tel: +254 707 750 788 / 720 516 758
Twitter: @arebacollins.
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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.
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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.
-- Ahmed Maawy Shaper - Global Shapers Executive Director - M-Power (CBO) Ambassador - Open Knowledge CTO - D8A, Appfrica Labs (KE) +254 714 960 627 Skype: ultimateprogramer
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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.
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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 kictanet@lists.kictanet.or.ke https://lists.kictanet.or.ke/mailman/listinfo/kictanet
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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.
-- Regards,
Collins Areba, P.O Box 44441, 00100 Nairobi, Kenya. Tel: +254 707 750 788 / 720 516 758 Twitter: @arebacollins. Skype: arebacollins
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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.
-- with Regards:
blog.denniskioko.com <http://www.denniskioko.com/>
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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.
-- Regards,
Collins Areba, P.O Box 44441, 00100 Nairobi, Kenya. Tel: +254 707 750 788 / 720 516 758 Twitter: @arebacollins. Skype: arebacollins
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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.
Thanks Gicheru, I was really getting woried...most of the security concerns raised by listers are the very same ones traditional banks raised against MPESA a few years ago. Luckily, the regulators then ignored them otherwise the global story of MPESA may never have been told let alone celebrated. Folks, I am NOT saying there is NO issue with thin-SIM. There are, but I worry when we sound defeatist and perhaps scared to open a new story of mobile money. If Kenyans can't do, no one else in the world will. Lets bring out the concerns, but with a view to resolving them rather than running away from them. walu. shared secret: as an info-security professional, I was so paranoid about MPESA that I ended being what strategy books call - Laggards or more politely Late adopters. For years I was quite paralysed with my security analysis (analytic paralysis syndrome) and could dare not sign up. Eventually ofcourse I grudgingly signed up - but still get shivers when am sending that mobile money :-) -------------------------------------------- On Wed, 9/17/14, Martin Gicheru via kictanet <kictanet@lists.kictanet.or.ke> wrote: Subject: Re: [kictanet] Equity Bank vs Safaricom :-Round 2 To: jwalu@yahoo.com Date: Wednesday, September 17, 2014, 2:00 PM @Dennis: I don't see Equity Bank worried that they may be exposing consumers in the way you just presented, and this has not come out yet in an argument before. You realize that the same bank account has been accessible on the mobile phone via USSD shortcodes that most of these banks have that they call "mobile banking". On Wed, Sep 17, 2014 at 1:33 PM, Collins Areba via kictanet <kictanet@lists.kictanet.or.ke> wrote: Come to think of this, Would this lead to a rise in Handset Locking to network under plans much like AT&T does elsewhere? Leading to a change in business model from exclusively traditional Prepay to Device Lock in. Or does the regulator intend to block the larger companies from doing this too? On Wed, Sep 17, 2014 at 1:28 PM, Dennis Kioko via kictanet <kictanet@lists.kictanet.or.ke> wrote: 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> 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> 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> wrote: Subject: Re: [kictanet] Fw: Equity Bank vs Safaricom :-Round 2 To: 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> 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> 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: 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> 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 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> 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> 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/-/11d48l... _______________________________________________ kictanet mailing list kictanet@lists.kictanet.or.ke https://lists.kictanet.or.ke/mailman/listinfo/kictanet Unsubscribe or change your options at https://lists.kictanet.or.ke/mailman/options/kictanet/arebacollins%40gmail.c... 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. -- Regards, Collins Areba, P.O Box 44441, 00100 Nairobi, Kenya. Tel: +254 707 750 788 / 720 516 758 Twitter: @arebacollins. Skype: arebacollins _______________________________________________ kictanet mailing list kictanet@lists.kictanet.or.ke https://lists.kictanet.or.ke/mailman/listinfo/kictanet Unsubscribe or change your options at https://lists.kictanet.or.ke/mailman/options/kictanet/info%40alyhussein.com 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. -----Inline Attachment Follows----- _______________________________________________ kictanet mailing list kictanet@lists.kictanet.or.ke https://lists.kictanet.or.ke/mailman/listinfo/kictanet Unsubscribe or change your options at https://lists.kictanet.or.ke/mailman/options/kictanet/jwalu%40yahoo.com 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 kictanet@lists.kictanet.or.ke https://lists.kictanet.or.ke/mailman/listinfo/kictanet Unsubscribe or change your options at https://lists.kictanet.or.ke/mailman/options/kictanet/sophiabekele%40yahoo.c... 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 kictanet@lists.kictanet.or.ke https://lists.kictanet.or.ke/mailman/listinfo/kictanet Unsubscribe or change your options at https://lists.kictanet.or.ke/mailman/options/kictanet/dogwallah%40gmail.com 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. -- Cheers, McTim "A name indicates what we seek. An address indicates where it is. A route indicates how we get there." Jon Postel _______________________________________________ kictanet mailing list kictanet@lists.kictanet.or.ke https://lists.kictanet.or.ke/mailman/listinfo/kictanet Unsubscribe or change your options at https://lists.kictanet.or.ke/mailman/options/kictanet/ultimateprogramer%40gm... 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. -- Ahmed Maawy Shaper - Global Shapers Executive Director - M-Power (CBO) Ambassador - Open Knowledge CTO - D8A, Appfrica Labs (KE) +254 714 960 627 Skype: ultimateprogramer www.globalshapers.org www.okfn.org www.d8a.com www.appfrica.com www.apps4africa.org _______________________________________________ kictanet mailing list kictanet@lists.kictanet.or.ke https://lists.kictanet.or.ke/mailman/listinfo/kictanet Unsubscribe or change your options at https://lists.kictanet.or.ke/mailman/options/kictanet/mkipyegon%40outlook.co... 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 kictanet@lists.kictanet.or.ke https://lists.kictanet.or.ke/mailman/listinfo/kictanet Unsubscribe or change your options at https://lists.kictanet.or.ke/mailman/options/kictanet/harry26001%40gmail.com 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. -----Inline Attachment Follows----- _______________________________________________ kictanet mailing list kictanet@lists.kictanet.or.ke https://lists.kictanet.or.ke/mailman/listinfo/kictanet Unsubscribe or change your options at https://lists.kictanet.or.ke/mailman/options/kictanet/jwalu%40yahoo.com 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 kictanet@lists.kictanet.or.ke https://lists.kictanet.or.ke/mailman/listinfo/kictanet Unsubscribe or change your options at https://lists.kictanet.or.ke/mailman/options/kictanet/arebacollins%40gmail.c... 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. -- Regards, Collins Areba, P.O Box 44441, 00100 Nairobi, Kenya. Tel: +254 707 750 788 / 720 516 758 Twitter: @arebacollins. Skype: arebacollins _______________________________________________ kictanet mailing list kictanet@lists.kictanet.or.ke https://lists.kictanet.or.ke/mailman/listinfo/kictanet Unsubscribe or change your options at https://lists.kictanet.or.ke/mailman/options/kictanet/martingicheru%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. -- with Regards: blog.denniskioko.com _______________________________________________ kictanet mailing list kictanet@lists.kictanet.or.ke https://lists.kictanet.or.ke/mailman/listinfo/kictanet Unsubscribe or change your options at https://lists.kictanet.or.ke/mailman/options/kictanet/arebacollins%40gmail.c... 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. -- Regards, Collins Areba, P.O Box 44441, 00100 Nairobi, Kenya. Tel: +254 707 750 788 / 720 516 758 Twitter: @arebacollins. Skype: arebacollins _______________________________________________ kictanet mailing list kictanet@lists.kictanet.or.ke https://lists.kictanet.or.ke/mailman/listinfo/kictanet Unsubscribe or change your options at https://lists.kictanet.or.ke/mailman/options/kictanet/martingicheru%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. -----Inline Attachment Follows----- _______________________________________________ kictanet mailing list kictanet@lists.kictanet.or.ke https://lists.kictanet.or.ke/mailman/listinfo/kictanet Unsubscribe or change your options at https://lists.kictanet.or.ke/mailman/options/kictanet/jwalu%40yahoo.com 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.
Well summed up Walu... Let's look at the positivity aspect of it, and possibly with the benefit of hindsight, adopt a gradual uptake to "test the waters"... By the way who is giving the honorable legislators professional advice on this important Cyber security matter, as they decide the fate of the Thin-sim technology...? Harry On Wed, Sep 17, 2014 at 2:33 PM, Walubengo J via kictanet < kictanet@lists.kictanet.or.ke> wrote:
Thanks Gicheru,
I was really getting woried...most of the security concerns raised by listers are the very same ones traditional banks raised against MPESA a few years ago. Luckily, the regulators then ignored them otherwise the global story of MPESA may never have been told let alone celebrated.
Folks, I am NOT saying there is NO issue with thin-SIM. There are, but I worry when we sound defeatist and perhaps scared to open a new story of mobile money. If Kenyans can't do, no one else in the world will.
Lets bring out the concerns, but with a view to resolving them rather than running away from them.
walu. shared secret: as an info-security professional, I was so paranoid about MPESA that I ended being what strategy books call - Laggards or more politely Late adopters. For years I was quite paralysed with my security analysis (analytic paralysis syndrome) and could dare not sign up. Eventually ofcourse I grudgingly signed up - but still get shivers when am sending that mobile money :-)
-------------------------------------------- On Wed, 9/17/14, Martin Gicheru via kictanet < kictanet@lists.kictanet.or.ke> wrote:
Subject: Re: [kictanet] Equity Bank vs Safaricom :-Round 2 To: jwalu@yahoo.com Date: Wednesday, September 17, 2014, 2:00 PM
@Dennis: I don't see Equity Bank worried that they may be exposing consumers in the way you just presented, and this has not come out yet in an argument before. You realize that the same bank account has been accessible on the mobile phone via USSD shortcodes that most of these banks have that they call "mobile banking". On Wed, Sep 17, 2014 at 1:33 PM, Collins Areba via kictanet <kictanet@lists.kictanet.or.ke> wrote: Come to think of this, Would this lead to a rise in Handset Locking to network under plans much like AT&T does elsewhere? Leading to a change in business model from exclusively traditional Prepay to Device Lock in. Or does the regulator intend to block the larger companies from doing this too?
On Wed, Sep 17, 2014 at 1:28 PM, Dennis Kioko via kictanet <kictanet@lists.kictanet.or.ke> wrote: 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> 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> 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> wrote:
Subject: Re: [kictanet] Fw: Equity Bank vs Safaricom :-Round 2
To: 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>
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>
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:
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>
wrote:
resting
discussion on where mobile baking is going....
With
best wishes,
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:
@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>
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/-/11d48l...
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Hi This is what GSMA had to say about the matter; http://www.gsma.com/publicpolicy/wp-content/uploads/2014/08/GSMA-Security-Gr... On Wed, Sep 17, 2014 at 3:01 PM, Harry Delano via kictanet < kictanet@lists.kictanet.or.ke> wrote:
Well summed up Walu...
Let's look at the positivity aspect of it, and possibly with the benefit of hindsight, adopt a gradual uptake to "test the waters"...
By the way who is giving the honorable legislators professional advice on this important Cyber security matter, as they decide the fate of the Thin-sim technology...?
Harry
On Wed, Sep 17, 2014 at 2:33 PM, Walubengo J via kictanet < kictanet@lists.kictanet.or.ke> wrote:
Thanks Gicheru,
I was really getting woried...most of the security concerns raised by listers are the very same ones traditional banks raised against MPESA a few years ago. Luckily, the regulators then ignored them otherwise the global story of MPESA may never have been told let alone celebrated.
Folks, I am NOT saying there is NO issue with thin-SIM. There are, but I worry when we sound defeatist and perhaps scared to open a new story of mobile money. If Kenyans can't do, no one else in the world will.
Lets bring out the concerns, but with a view to resolving them rather than running away from them.
walu. shared secret: as an info-security professional, I was so paranoid about MPESA that I ended being what strategy books call - Laggards or more politely Late adopters. For years I was quite paralysed with my security analysis (analytic paralysis syndrome) and could dare not sign up. Eventually ofcourse I grudgingly signed up - but still get shivers when am sending that mobile money :-)
-------------------------------------------- On Wed, 9/17/14, Martin Gicheru via kictanet < kictanet@lists.kictanet.or.ke> wrote:
Subject: Re: [kictanet] Equity Bank vs Safaricom :-Round 2 To: jwalu@yahoo.com Date: Wednesday, September 17, 2014, 2:00 PM
@Dennis: I don't see Equity Bank worried that they may be exposing consumers in the way you just presented, and this has not come out yet in an argument before. You realize that the same bank account has been accessible on the mobile phone via USSD shortcodes that most of these banks have that they call "mobile banking". On Wed, Sep 17, 2014 at 1:33 PM, Collins Areba via kictanet <kictanet@lists.kictanet.or.ke> wrote: Come to think of this, Would this lead to a rise in Handset Locking to network under plans much like AT&T does elsewhere? Leading to a change in business model from exclusively traditional Prepay to Device Lock in. Or does the regulator intend to block the larger companies from doing this too?
On Wed, Sep 17, 2014 at 1:28 PM, Dennis Kioko via kictanet <kictanet@lists.kictanet.or.ke> wrote: 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> 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> 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> wrote:
Subject: Re: [kictanet] Fw: Equity Bank vs Safaricom :-Round 2
To: 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>
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>
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:
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>
wrote:
resting
discussion on where mobile baking is going....
With
best wishes,
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:
@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>
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/-/11d48l...
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network aims to act as a catalyst for reform in the ICT
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Pay attention to paragraph: *Although the Overlay SIM is capable of using security technologies, such as cryptographic keys, to host and execute sensitive services and transactions, use of the technology has the potential to introduce a range of new security risks due to its ability to observe sensitive data in transit between the mobile device and the original SIM* I remember doing research on SIM technology and this document is spot on. Normal GSM networks tend to be vulnerable to the man in the middle attack. A lot of the technology is normally dependent on the cellphone's software, not on the SIM card itself (as we assume to be in this case). The SIM card can only have a small bootstrap worth of software but the bulk of the work is on the mobile phone. But again, it needs to work with various other "compatible" components. The mobile device will therefore need to conform to security standards and be able to play with providers who can do the same, so the catch here is in the regular mobile device we use, and how fast the current service providers can change their infrastructure. The SIM card here is not the issue, the devices and the providers are. On Wed, Sep 17, 2014 at 3:12 PM, Anthony Kiarie via kictanet < kictanet@lists.kictanet.or.ke> wrote:
Hi This is what GSMA had to say about the matter;
http://www.gsma.com/publicpolicy/wp-content/uploads/2014/08/GSMA-Security-Gr...
On Wed, Sep 17, 2014 at 3:01 PM, Harry Delano via kictanet < kictanet@lists.kictanet.or.ke> wrote:
Well summed up Walu...
Let's look at the positivity aspect of it, and possibly with the benefit of hindsight, adopt a gradual uptake to "test the waters"...
By the way who is giving the honorable legislators professional advice on this important Cyber security matter, as they decide the fate of the Thin-sim technology...?
Harry
On Wed, Sep 17, 2014 at 2:33 PM, Walubengo J via kictanet < kictanet@lists.kictanet.or.ke> wrote:
Thanks Gicheru,
I was really getting woried...most of the security concerns raised by listers are the very same ones traditional banks raised against MPESA a few years ago. Luckily, the regulators then ignored them otherwise the global story of MPESA may never have been told let alone celebrated.
Folks, I am NOT saying there is NO issue with thin-SIM. There are, but I worry when we sound defeatist and perhaps scared to open a new story of mobile money. If Kenyans can't do, no one else in the world will.
Lets bring out the concerns, but with a view to resolving them rather than running away from them.
walu. shared secret: as an info-security professional, I was so paranoid about MPESA that I ended being what strategy books call - Laggards or more politely Late adopters. For years I was quite paralysed with my security analysis (analytic paralysis syndrome) and could dare not sign up. Eventually ofcourse I grudgingly signed up - but still get shivers when am sending that mobile money :-)
-------------------------------------------- On Wed, 9/17/14, Martin Gicheru via kictanet < kictanet@lists.kictanet.or.ke> wrote:
Subject: Re: [kictanet] Equity Bank vs Safaricom :-Round 2 To: jwalu@yahoo.com Date: Wednesday, September 17, 2014, 2:00 PM
@Dennis: I don't see Equity Bank worried that they may be exposing consumers in the way you just presented, and this has not come out yet in an argument before. You realize that the same bank account has been accessible on the mobile phone via USSD shortcodes that most of these banks have that they call "mobile banking". On Wed, Sep 17, 2014 at 1:33 PM, Collins Areba via kictanet <kictanet@lists.kictanet.or.ke> wrote: Come to think of this, Would this lead to a rise in Handset Locking to network under plans much like AT&T does elsewhere? Leading to a change in business model from exclusively traditional Prepay to Device Lock in. Or does the regulator intend to block the larger companies from doing this too?
On Wed, Sep 17, 2014 at 1:28 PM, Dennis Kioko via kictanet <kictanet@lists.kictanet.or.ke> wrote: 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> 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> 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> wrote:
Subject: Re: [kictanet] Fw: Equity Bank vs Safaricom :-Round 2
To: 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>
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>
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:
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>
wrote:
resting
discussion on where mobile baking is going....
With
best wishes,
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:
@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>
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/-/11d48l...
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-- Regards,
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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.
-- with Regards: blog.denniskioko.com
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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.
-- Regards,
Collins Areba, P.O Box 44441, 00100 Nairobi, Kenya. Tel: +254 707 750 788 / 720 516 758 Twitter: @arebacollins. Skype: arebacollins
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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.
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_______________________________________________ kictanet mailing list kictanet@lists.kictanet.or.ke https://lists.kictanet.or.ke/mailman/listinfo/kictanet
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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.
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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.
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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 kictanet@lists.kictanet.or.ke https://lists.kictanet.or.ke/mailman/listinfo/kictanet
Unsubscribe or change your options at https://lists.kictanet.or.ke/mailman/options/kictanet/ultimateprogramer%40gm...
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.
-- Ahmed Maawy Shaper - Global Shapers Executive Director - M-Power (CBO) Ambassador - Open Knowledge CTO - D8A, Appfrica Labs (KE) +254 714 960 627 Skype: ultimateprogramer www.globalshapers.org <http://globalshapers.org/> www.okfn.org <http://okfn.org/> www.d8a.com www.appfrica.com www.apps4africa.org
Noted from the document: From: kictanet [mailto:kictanet-bounces+bkioko=bernsoft.com@lists.kictanet.or.ke] On Behalf Of Anthony Kiarie via kictanet Sent: Wednesday, September 17, 2014 3:12 PM To: bkioko@bernsoft.com Subject: Re: [kictanet] Equity Bank vs Safaricom :-Round 2 Hi This is what GSMA had to say about the matter; http://www.gsma.com/publicpolicy/wp-content/uploads/2014/08/GSMA-Security-Gr... On Wed, Sep 17, 2014 at 3:01 PM, Harry Delano via kictanet <kictanet@lists.kictanet.or.ke> wrote: Well summed up Walu... Let's look at the positivity aspect of it, and possibly with the benefit of hindsight, adopt a gradual uptake to "test the waters"... By the way who is giving the honorable legislators professional advice on this important Cyber security matter, as they decide the fate of the Thin-sim technology...? Harry On Wed, Sep 17, 2014 at 2:33 PM, Walubengo J via kictanet <kictanet@lists.kictanet.or.ke> wrote: Thanks Gicheru, I was really getting woried...most of the security concerns raised by listers are the very same ones traditional banks raised against MPESA a few years ago. Luckily, the regulators then ignored them otherwise the global story of MPESA may never have been told let alone celebrated. Folks, I am NOT saying there is NO issue with thin-SIM. There are, but I worry when we sound defeatist and perhaps scared to open a new story of mobile money. If Kenyans can't do, no one else in the world will. Lets bring out the concerns, but with a view to resolving them rather than running away from them. walu. shared secret: as an info-security professional, I was so paranoid about MPESA that I ended being what strategy books call - Laggards or more politely Late adopters. For years I was quite paralysed with my security analysis (analytic paralysis syndrome) and could dare not sign up. Eventually ofcourse I grudgingly signed up - but still get shivers when am sending that mobile money :-) -------------------------------------------- On Wed, 9/17/14, Martin Gicheru via kictanet <kictanet@lists.kictanet.or.ke> wrote: Subject: Re: [kictanet] Equity Bank vs Safaricom :-Round 2 To: jwalu@yahoo.com Date: Wednesday, September 17, 2014, 2:00 PM @Dennis: I don't see Equity Bank worried that they may be exposing consumers in the way you just presented, and this has not come out yet in an argument before. You realize that the same bank account has been accessible on the mobile phone via USSD shortcodes that most of these banks have that they call "mobile banking". On Wed, Sep 17, 2014 at 1:33 PM, Collins Areba via kictanet <kictanet@lists.kictanet.or.ke> wrote: Come to think of this, Would this lead to a rise in Handset Locking to network under plans much like AT&T does elsewhere? Leading to a change in business model from exclusively traditional Prepay to Device Lock in. Or does the regulator intend to block the larger companies from doing this too? On Wed, Sep 17, 2014 at 1:28 PM, Dennis Kioko via kictanet <kictanet@lists.kictanet.or.ke> wrote: 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> 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> 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> wrote: Subject: Re: [kictanet] Fw: Equity Bank vs Safaricom :-Round 2 To: 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> 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> 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: 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> 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 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 <tel:%2B1%20925-935-1589> :US Tel;+1 925-818-4322 <tel:%2B1%20925-818-4322> :US cell; +251-91-120-1449 <tel:%2B251-91-120-1449> :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> 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 <tel:%2B254%20770%20906375> / 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> 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/-/11d48l... _______________________________________________ kictanet mailing list kictanet@lists.kictanet.or.ke https://lists.kictanet.or.ke/mailman/listinfo/kictanet Unsubscribe or change your options at https://lists.kictanet.or.ke/mailman/options/kictanet/arebacollins%40gmail.c... 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. -- Regards, Collins Areba, P.O Box 44441, 00100 Nairobi, Kenya. Tel: +254 707 750 788 / 720 516 758 Twitter: @arebacollins. Skype: arebacollins _______________________________________________ kictanet mailing list kictanet@lists.kictanet.or.ke https://lists.kictanet.or.ke/mailman/listinfo/kictanet Unsubscribe or change your options at https://lists.kictanet.or.ke/mailman/options/kictanet/info%40alyhussein.com 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. -----Inline Attachment Follows----- _______________________________________________ kictanet mailing list kictanet@lists.kictanet.or.ke https://lists.kictanet.or.ke/mailman/listinfo/kictanet Unsubscribe or change your options at https://lists.kictanet.or.ke/mailman/options/kictanet/jwalu%40yahoo.com 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 kictanet@lists.kictanet.or.ke https://lists.kictanet.or.ke/mailman/listinfo/kictanet Unsubscribe or change your options at https://lists.kictanet.or.ke/mailman/options/kictanet/sophiabekele%40yahoo.c... 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 kictanet@lists.kictanet.or.ke https://lists.kictanet.or.ke/mailman/listinfo/kictanet Unsubscribe or change your options at https://lists.kictanet.or.ke/mailman/options/kictanet/dogwallah%40gmail.com 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. -- Cheers, McTim "A name indicates what we seek. An address indicates where it is. A route indicates how we get there." Jon Postel _______________________________________________ kictanet mailing list kictanet@lists.kictanet.or.ke https://lists.kictanet.or.ke/mailman/listinfo/kictanet Unsubscribe or change your options at https://lists.kictanet.or.ke/mailman/options/kictanet/ultimateprogramer%40gm... 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. -- Ahmed Maawy Shaper - Global Shapers Executive Director - M-Power (CBO) Ambassador - Open Knowledge CTO - D8A, Appfrica Labs (KE) +254 714 960 627 Skype: ultimateprogramer www.globalshapers.org www.okfn.org www.d8a.com www.appfrica.com www.apps4africa.org _______________________________________________ kictanet mailing list kictanet@lists.kictanet.or.ke https://lists.kictanet.or.ke/mailman/listinfo/kictanet Unsubscribe or change your options at https://lists.kictanet.or.ke/mailman/options/kictanet/mkipyegon%40outlook.co... 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 kictanet@lists.kictanet.or.ke https://lists.kictanet.or.ke/mailman/listinfo/kictanet Unsubscribe or change your options at https://lists.kictanet.or.ke/mailman/options/kictanet/harry26001%40gmail.com 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. -----Inline Attachment Follows----- _______________________________________________ kictanet mailing list kictanet@lists.kictanet.or.ke https://lists.kictanet.or.ke/mailman/listinfo/kictanet Unsubscribe or change your options at https://lists.kictanet.or.ke/mailman/options/kictanet/jwalu%40yahoo.com 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 kictanet@lists.kictanet.or.ke https://lists.kictanet.or.ke/mailman/listinfo/kictanet Unsubscribe or change your options at https://lists.kictanet.or.ke/mailman/options/kictanet/arebacollins%40gmail.c... 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. -- Regards, Collins Areba, P.O Box 44441, 00100 Nairobi, Kenya. Tel: +254 707 750 788 / 720 516 758 Twitter: @arebacollins. Skype: arebacollins _______________________________________________ kictanet mailing list kictanet@lists.kictanet.or.ke https://lists.kictanet.or.ke/mailman/listinfo/kictanet Unsubscribe or change your options at https://lists.kictanet.or.ke/mailman/options/kictanet/martingicheru%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. -- with Regards: blog.denniskioko.com _______________________________________________ kictanet mailing list kictanet@lists.kictanet.or.ke https://lists.kictanet.or.ke/mailman/listinfo/kictanet Unsubscribe or change your options at https://lists.kictanet.or.ke/mailman/options/kictanet/arebacollins%40gmail.c... 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. -- Regards, Collins Areba, P.O Box 44441, 00100 Nairobi, Kenya. Tel: +254 707 750 788 / 720 516 758 Twitter: @arebacollins. Skype: arebacollins _______________________________________________ kictanet mailing list kictanet@lists.kictanet.or.ke https://lists.kictanet.or.ke/mailman/listinfo/kictanet Unsubscribe or change your options at https://lists.kictanet.or.ke/mailman/options/kictanet/martingicheru%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. -----Inline Attachment Follows----- _______________________________________________ kictanet mailing list kictanet@lists.kictanet.or.ke https://lists.kictanet.or.ke/mailman/listinfo/kictanet Unsubscribe or change your options at https://lists.kictanet.or.ke/mailman/options/kictanet/jwalu%40yahoo.com 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 kictanet@lists.kictanet.or.ke https://lists.kictanet.or.ke/mailman/listinfo/kictanet Unsubscribe or change your options at https://lists.kictanet.or.ke/mailman/options/kictanet/harry26001%40gmail.com 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 kictanet@lists.kictanet.or.ke https://lists.kictanet.or.ke/mailman/listinfo/kictanet Unsubscribe or change your options at https://lists.kictanet.or.ke/mailman/options/kictanet/kiarietony%40gmail.com 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. 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Dear Mr Kioko, We are watching this debate very keenly. We can’t resist the temptation to comment on your issue. The summary you capture is obviously about Consumer Rights. Article 46(1)(b) of the Constitution says – “Consumers have the right to the information necessary for them to gain full benefit from goods and services”. Under the Consumer Protection Act, 2012 on Section 5(1) under the quality of goods and services, the law states that: “The supplier is deemed to warrant that the goods or services supplied under a consumer agreement are of a reasonably merchantable quality” When CA approved 3 MVNO’s in April 2014 without addressing itself to the new emerging challenges, even beyond it, the consumer is left to be a “guinea pig” upon which this technology would be tested upon, with either good or bad results notwithstanding. In the (un)likely event privacy will be lost as a result of such technology, service providers must be reminded that Article 31(c)(d) of the Constitution are not suspended. At Cofek, we encourage innovations and competition but we must also be sensitive to Wanjiku, the law and public interest. Reulation should not always behind of ICT innovations. It must be ahead so we are not so helpless as to expect MP’s to decide on a highly technical matter as to the pros and cons of a thin sim. Thank you. David Kedode Program Officer www.cofek.co.ke From: kictanet [mailto:kictanet-bounces+hotline=cofek.co.ke@lists.kictanet.or.ke] On Behalf Of Bernard Kioko via kictanet Sent: Wednesday, September 17, 2014 3:28 PM To: The Consumers Federation of Kenya (Cofek) Subject: Re: [kictanet] Equity Bank vs Safaricom :-Round 2 Noted frDescription: cid:image001.png@01CFD28B.FA246510om the document: From: kictanet [mailto:kictanet-bounces+bkioko=bernsoft.com@lists.kictanet.or.ke] On Behalf Of Anthony Kiarie via kictanet Sent: Wednesday, September 17, 2014 3:12 PM To: bkioko@bernsoft.com Subject: Re: [kictanet] Equity Bank vs Safaricom :-Round 2 Hi This is what GSMA had to say about the matter; http://www.gsma.com/publicpolicy/wp-content/uploads/2014/08/GSMA-Security-Gr... On Wed, Sep 17, 2014 at 3:01 PM, Harry Delano via kictanet <kictanet@lists.kictanet.or.ke> wrote: Well summed up Walu... Let's look at the positivity aspect of it, and possibly with the benefit of hindsight, adopt a gradual uptake to "test the waters"... By the way who is giving the honorable legislators professional advice on this important Cyber security matter, as they decide the fate of the Thin-sim technology...? Harry On Wed, Sep 17, 2014 at 2:33 PM, Walubengo J via kictanet <kictanet@lists.kictanet.or.ke> wrote: Thanks Gicheru, I was really getting woried...most of the security concerns raised by listers are the very same ones traditional banks raised against MPESA a few years ago. Luckily, the regulators then ignored them otherwise the global story of MPESA may never have been told let alone celebrated. Folks, I am NOT saying there is NO issue with thin-SIM. There are, but I worry when we sound defeatist and perhaps scared to open a new story of mobile money. If Kenyans can't do, no one else in the world will. Lets bring out the concerns, but with a view to resolving them rather than running away from them. walu. shared secret: as an info-security professional, I was so paranoid about MPESA that I ended being what strategy books call - Laggards or more politely Late adopters. For years I was quite paralysed with my security analysis (analytic paralysis syndrome) and could dare not sign up. Eventually ofcourse I grudgingly signed up - but still get shivers when am sending that mobile money :-) -------------------------------------------- On Wed, 9/17/14, Martin Gicheru via kictanet <kictanet@lists.kictanet.or.ke> wrote: Subject: Re: [kictanet] Equity Bank vs Safaricom :-Round 2 To: jwalu@yahoo.com Date: Wednesday, September 17, 2014, 2:00 PM @Dennis: I don't see Equity Bank worried that they may be exposing consumers in the way you just presented, and this has not come out yet in an argument before. You realize that the same bank account has been accessible on the mobile phone via USSD shortcodes that most of these banks have that they call "mobile banking". On Wed, Sep 17, 2014 at 1:33 PM, Collins Areba via kictanet <kictanet@lists.kictanet.or.ke> wrote: Come to think of this, Would this lead to a rise in Handset Locking to network under plans much like AT&T does elsewhere? Leading to a change in business model from exclusively traditional Prepay to Device Lock in. Or does the regulator intend to block the larger companies from doing this too? On Wed, Sep 17, 2014 at 1:28 PM, Dennis Kioko via kictanet <kictanet@lists.kictanet.or.ke> wrote: 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> 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> 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> wrote: Subject: Re: [kictanet] Fw: Equity Bank vs Safaricom :-Round 2 To: 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> 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> 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: 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> 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 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 <tel:%2B1%20925-935-1589> :US Tel;+1 925-818-4322 <tel:%2B1%20925-818-4322> :US cell; +251-91-120-1449 <tel:%2B251-91-120-1449> :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> 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 <tel:%2B254%20770%20906375> / 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> 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/-/11d48l... _______________________________________________ kictanet mailing list kictanet@lists.kictanet.or.ke https://lists.kictanet.or.ke/mailman/listinfo/kictanet Unsubscribe or change your options at https://lists.kictanet.or.ke/mailman/options/kictanet/arebacollins%40gmail.c... 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. -- Regards, Collins Areba, P.O Box 44441, 00100 Nairobi, Kenya. Tel: +254 707 750 788 / 720 516 758 Twitter: @arebacollins. Skype: arebacollins _______________________________________________ kictanet mailing list kictanet@lists.kictanet.or.ke https://lists.kictanet.or.ke/mailman/listinfo/kictanet Unsubscribe or change your options at https://lists.kictanet.or.ke/mailman/options/kictanet/info%40alyhussein.com 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. -----Inline Attachment Follows----- _______________________________________________ kictanet mailing list kictanet@lists.kictanet.or.ke https://lists.kictanet.or.ke/mailman/listinfo/kictanet Unsubscribe or change your options at https://lists.kictanet.or.ke/mailman/options/kictanet/jwalu%40yahoo.com 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 kictanet@lists.kictanet.or.ke https://lists.kictanet.or.ke/mailman/listinfo/kictanet Unsubscribe or change your options at https://lists.kictanet.or.ke/mailman/options/kictanet/sophiabekele%40yahoo.c... 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 kictanet@lists.kictanet.or.ke https://lists.kictanet.or.ke/mailman/listinfo/kictanet Unsubscribe or change your options at https://lists.kictanet.or.ke/mailman/options/kictanet/dogwallah%40gmail.com 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. -- Cheers, McTim "A name indicates what we seek. An address indicates where it is. A route indicates how we get there." Jon Postel _______________________________________________ kictanet mailing list kictanet@lists.kictanet.or.ke https://lists.kictanet.or.ke/mailman/listinfo/kictanet Unsubscribe or change your options at https://lists.kictanet.or.ke/mailman/options/kictanet/ultimateprogramer%40gm... 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. -- Ahmed Maawy Shaper - Global Shapers Executive Director - M-Power (CBO) Ambassador - Open Knowledge CTO - D8A, Appfrica Labs (KE) +254 714 960 627 Skype: ultimateprogramer www.globalshapers.org www.okfn.org www.d8a.com www.appfrica.com www.apps4africa.org _______________________________________________ kictanet mailing list kictanet@lists.kictanet.or.ke https://lists.kictanet.or.ke/mailman/listinfo/kictanet Unsubscribe or change your options at https://lists.kictanet.or.ke/mailman/options/kictanet/mkipyegon%40outlook.co... 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 kictanet@lists.kictanet.or.ke https://lists.kictanet.or.ke/mailman/listinfo/kictanet Unsubscribe or change your options at https://lists.kictanet.or.ke/mailman/options/kictanet/harry26001%40gmail.com 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. -----Inline Attachment Follows----- _______________________________________________ kictanet mailing list kictanet@lists.kictanet.or.ke https://lists.kictanet.or.ke/mailman/listinfo/kictanet Unsubscribe or change your options at https://lists.kictanet.or.ke/mailman/options/kictanet/jwalu%40yahoo.com 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 kictanet@lists.kictanet.or.ke https://lists.kictanet.or.ke/mailman/listinfo/kictanet Unsubscribe or change your options at https://lists.kictanet.or.ke/mailman/options/kictanet/arebacollins%40gmail.c... 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. -- Regards, Collins Areba, P.O Box 44441, 00100 Nairobi, Kenya. Tel: +254 707 750 788 / 720 516 758 Twitter: @arebacollins. Skype: arebacollins _______________________________________________ kictanet mailing list kictanet@lists.kictanet.or.ke https://lists.kictanet.or.ke/mailman/listinfo/kictanet Unsubscribe or change your options at https://lists.kictanet.or.ke/mailman/options/kictanet/martingicheru%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. 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David With all due respect to COFEK. How did you guys react to Mpesa? Weren't Kenyans 'guinea pigs' then? Far be it for me to question COFEK's motives here beyond 'protecting' Wanjiku.. Ali Hussein +254 770 906375 / 0713 601113 Twitter: @AliHKassim Skype: abu-jomo LinkedIn: http://ke.linkedin.com/in/alihkassim 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 17, 2014, at 3:49 PM, "Consumers Federation of Kenya \(COFEK\) via kictanet" <kictanet@lists.kictanet.or.ke> wrote:
Dear Mr Kioko,
We are watching this debate very keenly. We can’t resist the temptation to comment on your issue. The summary you capture is obviously about Consumer Rights.
Article 46(1)(b) of the Constitution says – “Consumers have the right to the information necessary for them to gain full benefit from goods and services”. Under the Consumer Protection Act, 2012 on Section 5(1) under the quality of goods and services, the law states that: “The supplier is deemed to warrant that the goods or services supplied under a consumer agreement are of a reasonably merchantable quality”
When CA approved 3 MVNO’s in April 2014 without addressing itself to the new emerging challenges, even beyond it, the consumer is left to be a “guinea pig” upon which this technology would be tested upon, with either good or bad results notwithstanding. In the (un)likely event privacy will be lost as a result of such technology, service providers must be reminded that Article 31(c)(d) of the Constitution are not suspended.
At Cofek, we encourage innovations and competition but we must also be sensitive to Wanjiku, the law and public interest. Reulation should not always behind of ICT innovations. It must be ahead so we are not so helpless as to expect MP’s to decide on a highly technical matter as to the pros and cons of a thin sim. Thank you.
David Kedode Program Officer www.cofek.co.ke
From: kictanet [mailto:kictanet-bounces+hotline=cofek.co.ke@lists.kictanet.or.ke] On Behalf Of Bernard Kioko via kictanet Sent: Wednesday, September 17, 2014 3:28 PM To: The Consumers Federation of Kenya (Cofek) Subject: Re: [kictanet] Equity Bank vs Safaricom :-Round 2
Noted fr<image001.png>om the document:
From: kictanet [mailto:kictanet-bounces+bkioko=bernsoft.com@lists.kictanet.or.ke] On Behalf Of Anthony Kiarie via kictanet Sent: Wednesday, September 17, 2014 3:12 PM To: bkioko@bernsoft.com Subject: Re: [kictanet] Equity Bank vs Safaricom :-Round 2
Hi This is what GSMA had to say about the matter;
http://www.gsma.com/publicpolicy/wp-content/uploads/2014/08/GSMA-Security-Gr...
On Wed, Sep 17, 2014 at 3:01 PM, Harry Delano via kictanet <kictanet@lists.kictanet.or.ke> wrote: Well summed up Walu...
Let's look at the positivity aspect of it, and possibly with the benefit of hindsight, adopt a gradual uptake to "test the waters"...
By the way who is giving the honorable legislators professional advice on this important Cyber security matter, as they decide the fate of the Thin-sim technology...?
Harry
On Wed, Sep 17, 2014 at 2:33 PM, Walubengo J via kictanet <kictanet@lists.kictanet.or.ke> wrote: Thanks Gicheru,
I was really getting woried...most of the security concerns raised by listers are the very same ones traditional banks raised against MPESA a few years ago. Luckily, the regulators then ignored them otherwise the global story of MPESA may never have been told let alone celebrated.
Folks, I am NOT saying there is NO issue with thin-SIM. There are, but I worry when we sound defeatist and perhaps scared to open a new story of mobile money. If Kenyans can't do, no one else in the world will.
Lets bring out the concerns, but with a view to resolving them rather than running away from them.
walu. shared secret: as an info-security professional, I was so paranoid about MPESA that I ended being what strategy books call - Laggards or more politely Late adopters. For years I was quite paralysed with my security analysis (analytic paralysis syndrome) and could dare not sign up. Eventually ofcourse I grudgingly signed up - but still get shivers when am sending that mobile money :-)
-------------------------------------------- On Wed, 9/17/14, Martin Gicheru via kictanet <kictanet@lists.kictanet.or.ke> wrote:
Subject: Re: [kictanet] Equity Bank vs Safaricom :-Round 2 To: jwalu@yahoo.com Date: Wednesday, September 17, 2014, 2:00 PM
@Dennis: I don't see Equity Bank worried that they may be exposing consumers in the way you just presented, and this has not come out yet in an argument before. You realize that the same bank account has been accessible on the mobile phone via USSD shortcodes that most of these banks have that they call "mobile banking". On Wed, Sep 17, 2014 at 1:33 PM, Collins Areba via kictanet <kictanet@lists.kictanet.or.ke> wrote: Come to think of this, Would this lead to a rise in Handset Locking to network under plans much like AT&T does elsewhere? Leading to a change in business model from exclusively traditional Prepay to Device Lock in. Or does the regulator intend to block the larger companies from doing this too?
On Wed, Sep 17, 2014 at 1:28 PM, Dennis Kioko via kictanet <kictanet@lists.kictanet.or.ke> wrote: 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> 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> 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> wrote:
Subject: Re: [kictanet] Fw: Equity Bank vs Safaricom :-Round 2
To: 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>
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>
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:
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>
wrote:
resting
discussion on where mobile baking is going....
With
best wishes,
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:
@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>
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/-/11d48l...
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The Kenya
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network aims to act as a catalyst for
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KICTANetiquette : Adhere to the same standards of
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Areba,
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Twitter: @arebacollins.
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The
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catalyst for reform in the
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national aim of ICT enabled growth and
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KICTANetiquette : Adhere to the same
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The Kenya
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is a multi-stakeholder platform for people and
institutions interested and involved in
ICT policy and
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network aims to act as a catalyst for reform
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enabled
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KICTANetiquette : Adhere to the same standards
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respect
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Listers, I think we are tending to over-analyze. In this space, there is really never a sure fire stage of so called proven technology…..even M-Pesa remains evolving! M-Pesa was never anything really technologically ground-breaking, it was just a logical solution to the mama-mboga/wanjiku problem of money transfer. It was a very simple system/solution to a known problem. But it caught on and became a runaway success (even the originators of M-Pesa do marvel about the combination of luck and other factors that led to its success). It was a value add service to its existing customers. That said, M-Pesa has been a beneficiary of soft regulation. It remains so even today! Both CBK and CA (formerly CCK) remain undecided or unsure about how to regulate that market almost 10 years later. Safaricom through its large customer base network effect and lock-in strategy ran away with the significant mobile transfer customer base. Airtel could never shake this strangle-hold. Safaricom went on to become a near monopoly in the mobile money (transfer/payments) sector, as well as a near monopoly in the voice market as it concurrently locked in its subscribers and now sits at almost 21m subscribers. So, as we debate this there are 1001 reasons we can advance to deny this thin-sim solution. There is almost nothing we cannot advance as a reason to deny Equity the use of this thin-sim technology. And Cofek should be supporting this to create competition to free up the market from Safaricom enslavement. The real war we should be waiting for is who will manage to get to the hearts of the consumer. This is about the simple and practical VAS that they will avail. These customers will easily move away with their number to this new service provider with the value add services that are practical to him/her. This will cause number portability without a sweat. Maybe then Dr. Partrick Musimba will switch on his service for porting these customers back and forth between Equity, Safaricom etc….. Exciting times ahead, I guess. Safaricom should expect to be served by the same token it benefited from several years ago when it launched M-Pesa. I would really be surprised if Safaricom has been sitting pretty on its honey pot thinking that this moment will not arrive. In the meantime, let us let the Parliamentary committee continue to enjoy their sitting allowances. Unless this happened last night, I would be surprised if they will be making any ground breaking technological declarations. My 2 cents…. ----------------------------------------------------------------- Aquinas Wasike Mobile: +254 722 511120 Email: aquinasw@lantech.co.ke<mailto:aquinasw@lantech.co.ke> Website: www.lantech.co.ke ----------------------------------------------------------------- From: kictanet [mailto:kictanet-bounces+aquinasw=lantech.co.ke@lists.kictanet.or.ke] On Behalf Of Ali Hussein via kictanet Sent: Wednesday, September 17, 2014 3:59 PM To: Aquinas Wasike Subject: Re: [kictanet] Equity Bank vs Safaricom :-Round 2 David With all due respect to COFEK. How did you guys react to Mpesa? Weren't Kenyans 'guinea pigs' then? Far be it for me to question COFEK's motives here beyond 'protecting' Wanjiku.. Ali Hussein +254 770 906375 / 0713 601113 Twitter: @AliHKassim Skype: abu-jomo LinkedIn: http://ke.linkedin.com/in/alihkassim Blog: www.alyhussein.com<http://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 17, 2014, at 3:49 PM, "Consumers Federation of Kenya \(COFEK\) via kictanet" <kictanet@lists.kictanet.or.ke<mailto:kictanet@lists.kictanet.or.ke>> wrote: Dear Mr Kioko, We are watching this debate very keenly. We can’t resist the temptation to comment on your issue. The summary you capture is obviously about Consumer Rights. Article 46(1)(b) of the Constitution says – “Consumers have the right to the information necessary for them to gain full benefit from goods and services”. Under the Consumer Protection Act, 2012 on Section 5(1) under the quality of goods and services, the law states that: “The supplier is deemed to warrant that the goods or services supplied under a consumer agreement are of a reasonably merchantable quality” When CA approved 3 MVNO’s in April 2014 without addressing itself to the new emerging challenges, even beyond it, the consumer is left to be a “guinea pig” upon which this technology would be tested upon, with either good or bad results notwithstanding. In the (un)likely event privacy will be lost as a result of such technology, service providers must be reminded that Article 31(c)(d) of the Constitution are not suspended. At Cofek, we encourage innovations and competition but we must also be sensitive to Wanjiku, the law and public interest. Reulation should not always behind of ICT innovations. It must be ahead so we are not so helpless as to expect MP’s to decide on a highly technical matter as to the pros and cons of a thin sim. Thank you. David Kedode Program Officer www.cofek.co.ke<http://www.cofek.co.ke> From: kictanet [mailto:kictanet-bounces+hotline=cofek.co.ke@lists.kictanet.or.ke] On Behalf Of Bernard Kioko via kictanet Sent: Wednesday, September 17, 2014 3:28 PM To: The Consumers Federation of Kenya (Cofek) Subject: Re: [kictanet] Equity Bank vs Safaricom :-Round 2 Noted fr<image001.png>om the document: From: kictanet [mailto:kictanet-bounces+bkioko=bernsoft.com@lists.kictanet.or.ke] On Behalf Of Anthony Kiarie via kictanet Sent: Wednesday, September 17, 2014 3:12 PM To: bkioko@bernsoft.com<mailto:bkioko@bernsoft.com> Subject: Re: [kictanet] Equity Bank vs Safaricom :-Round 2 Hi This is what GSMA had to say about the matter; http://www.gsma.com/publicpolicy/wp-content/uploads/2014/08/GSMA-Security-Gr... On Wed, Sep 17, 2014 at 3:01 PM, Harry Delano via kictanet <kictanet@lists.kictanet.or.ke<mailto:kictanet@lists.kictanet.or.ke>> wrote: Well summed up Walu... Let's look at the positivity aspect of it, and possibly with the benefit of hindsight, adopt a gradual uptake to "test the waters"... By the way who is giving the honorable legislators professional advice on this important Cyber security matter, as they decide the fate of the Thin-sim technology...? Harry On Wed, Sep 17, 2014 at 2:33 PM, Walubengo J via kictanet <kictanet@lists.kictanet.or.ke<mailto:kictanet@lists.kictanet.or.ke>> wrote: Thanks Gicheru, I was really getting woried...most of the security concerns raised by listers are the very same ones traditional banks raised against MPESA a few years ago. Luckily, the regulators then ignored them otherwise the global story of MPESA may never have been told let alone celebrated. Folks, I am NOT saying there is NO issue with thin-SIM. There are, but I worry when we sound defeatist and perhaps scared to open a new story of mobile money. If Kenyans can't do, no one else in the world will. Lets bring out the concerns, but with a view to resolving them rather than running away from them. walu. shared secret: as an info-security professional, I was so paranoid about MPESA that I ended being what strategy books call - Laggards or more politely Late adopters. For years I was quite paralysed with my security analysis (analytic paralysis syndrome) and could dare not sign up. Eventually ofcourse I grudgingly signed up - but still get shivers when am sending that mobile money :-) -------------------------------------------- On Wed, 9/17/14, Martin Gicheru via kictanet <kictanet@lists.kictanet.or.ke<mailto:kictanet@lists.kictanet.or.ke>> wrote: Subject: Re: [kictanet] Equity Bank vs Safaricom :-Round 2 To: jwalu@yahoo.com<mailto:jwalu@yahoo.com> Date: Wednesday, September 17, 2014, 2:00 PM @Dennis: I don't see Equity Bank worried that they may be exposing consumers in the way you just presented, and this has not come out yet in an argument before. You realize that the same bank account has been accessible on the mobile phone via USSD shortcodes that most of these banks have that they call "mobile banking". On Wed, Sep 17, 2014 at 1:33 PM, Collins Areba via kictanet <kictanet@lists.kictanet.or.ke<mailto:kictanet@lists.kictanet.or.ke>> wrote: Come to think of this, Would this lead to a rise in Handset Locking to network under plans much like AT&T does elsewhere? Leading to a change in business model from exclusively traditional Prepay to Device Lock in. Or does the regulator intend to block the larger companies from doing this too? On Wed, Sep 17, 2014 at 1:28 PM, Dennis Kioko via kictanet <kictanet@lists.kictanet.or.ke<mailto:kictanet@lists.kictanet.or.ke>> wrote: 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<mailto: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<mailto: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<mailto: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<mailto:kictanet@lists.kictanet.or.ke>> wrote: Subject: Re: [kictanet] Fw: Equity Bank vs Safaricom :-Round 2 To: jwalu@yahoo.com<mailto: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<mailto: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<mailto: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<mailto: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<mailto: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<http://www.dotconnectafrica.orgFollow> us on twitter and facebookEmail us at: yes2dotafrica@dotconnectafrica.org<mailto: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<tel:%2B1%20925-935-1589>:US Tel;+1 925-818-4322<tel:%2B1%20925-818-4322>:US cell; +251-91-120-1449<tel:%2B251-91-120-1449> :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<mailto: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<tel:%2B254%20770%20906375> / 0713 601113 Twitter: @AliHKassimSkype: abu-jomoLinkedIn: http://ke.linkedin.com/in/alihkassimBlog: www.alyhussein.com<http://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<mailto: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<mailto:kictanet@lists.kictanet.or.ke>> wrote: Subject: Re: [kictanet] Equity Bank vs Safaricom :-Round 2 To: jwalu@yahoo.com<mailto: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<http://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<mailto: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<mailto: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... _______________________________________________ kictanet mailing list kictanet@lists.kictanet.or.ke<mailto:kictanet@lists.kictanet.or.ke> https://lists.kictanet.or.ke/mailman/listinfo/kictanet Unsubscribe or change your options at https://lists.kictanet.or.ke/mailman/options/kictanet/arebacollins%40gmail.c... 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. 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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. -----Inline Attachment Follows----- _______________________________________________ kictanet mailing list kictanet@lists.kictanet.or.ke<mailto:kictanet@lists.kictanet.or.ke> https://lists.kictanet.or.ke/mailman/listinfo/kictanet Unsubscribe or change your options at https://lists.kictanet.or.ke/mailman/options/kictanet/jwalu%40yahoo.com 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 kictanet@lists.kictanet.or.ke<mailto:kictanet@lists.kictanet.or.ke> https://lists.kictanet.or.ke/mailman/listinfo/kictanet Unsubscribe or change your options at https://lists.kictanet.or.ke/mailman/options/kictanet/sophiabekele%40yahoo.c... 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 kictanet@lists.kictanet.or.ke<mailto:kictanet@lists.kictanet.or.ke> https://lists.kictanet.or.ke/mailman/listinfo/kictanet Unsubscribe or change your options at https://lists.kictanet.or.ke/mailman/options/kictanet/dogwallah%40gmail.com 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. -- Cheers, McTim "A name indicates what we seek. An address indicates where it is. A route indicates how we get there." Jon Postel _______________________________________________ kictanet mailing list kictanet@lists.kictanet.or.ke<mailto:kictanet@lists.kictanet.or.ke> https://lists.kictanet.or.ke/mailman/listinfo/kictanet Unsubscribe or change your options at https://lists.kictanet.or.ke/mailman/options/kictanet/ultimateprogramer%40gm... 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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. -- Ahmed Maawy Shaper - Global Shapers Executive Director - M-Power (CBO) Ambassador - Open Knowledge CTO - D8A, Appfrica Labs (KE) +254 714 960 627 Skype: ultimateprogramer www.globalshapers.org<http://www.globalshapers.org> www.okfn.org<http://www.okfn.org> www.d8a.com<http://www.d8a.com> www.appfrica.com<http://www.appfrica.com> www.apps4africa.org<http://www.apps4africa.org> _______________________________________________ kictanet mailing list kictanet@lists.kictanet.or.ke<mailto:kictanet@lists.kictanet.or.ke> https://lists.kictanet.or.ke/mailman/listinfo/kictanet Unsubscribe or change your options at https://lists.kictanet.or.ke/mailman/options/kictanet/mkipyegon%40outlook.co... 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 kictanet@lists.kictanet.or.ke<mailto:kictanet@lists.kictanet.or.ke> https://lists.kictanet.or.ke/mailman/listinfo/kictanet Unsubscribe or change your options at https://lists.kictanet.or.ke/mailman/options/kictanet/harry26001%40gmail.com 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. -----Inline Attachment Follows----- _______________________________________________ kictanet mailing list kictanet@lists.kictanet.or.ke<mailto:kictanet@lists.kictanet.or.ke> https://lists.kictanet.or.ke/mailman/listinfo/kictanet Unsubscribe or change your options at https://lists.kictanet.or.ke/mailman/options/kictanet/jwalu%40yahoo.com 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 kictanet@lists.kictanet.or.ke<mailto:kictanet@lists.kictanet.or.ke> https://lists.kictanet.or.ke/mailman/listinfo/kictanet Unsubscribe or change your options at https://lists.kictanet.or.ke/mailman/options/kictanet/arebacollins%40gmail.c... 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. 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It would be inappropriate to dismiss Safaricom's security concerns without a bit of interrogation. Below is a brief excerpt of what Safaricom's team advanced as the basis of their opposition for the Thin SIM before the Parliamentary Committee *"Safaricom head of regulatory services Stephen Chege and the head of product services Kenneth Okwero said the technology will affect Kenyans and other mobile phone subscribers if thin SIMs are overlaid on users' primary SIM cards.* * Mr Chege said when Safaricom became aware of the technology, it put the thin SIM in its lab and tested to see how it affects communication between the phone and the original SIM. From testing, we found out that it is a bridge between what you type in your phone and the main SIM. Thin SIM is capable of seeing through any transaction," he said. He said the thin SIM technology may compromise its M-Pesa services."* Relevant questions from this position may include: 1. Does the problem emanate from the Safaricom's SIM being used as a bridge? (Kutumiwa Vibaya as literally said) 2. How exactly does the Thin SIM see through the transaction and which particular Thin SIM variety is in focus? 3. Beyond seeing through the transaction, what threats are posed by the Thin SIM? 4. Whose duty is it to secure a clients transactions from been seen through, intercepted, corrupted etc. Does the duty fall on Safaricom or on the competitor? Can you rightly accuse people of being snoopy for seeing through your birthday suit having opted to walk naked? Are strangers obliged to shut their eyes or clothe you to preserve the sanctity of your nudity? 5. Which exact layer of the M-Pesa system is being compromised? Is it the individual client transaction or the larger network? Can a penetration within my SIM card affect the state of fellow subscribers? 6. What other vulnerabilities are Safaricom subscribers currently exposed to which can only be divulged if any other competitor proposes to offer another disruptive solution? 7. Are we better of if we just enact a regulatory requirement that subjects all future emergent technologies/solutions to the dominant players lab "to get clearance"? 8. If both the Ordinary and the Thin SIM belong to me, what issues arise if the SIMs decide to observe or interfere with each others activities? Assume a scenario where one of my two SIMs initiates a fraudulent transaction and steals from the other? (e.g the Thin SIM steals money from my M-Pesa and deposits it in my Equity bank account) 9. Bearing in mind that security is neither guaranteed by the conventional or the thin SIM, what about candidly telling Kenyans that they have always risked with the traditional SIM and another SIM (Thin SIM) with unknown risks is about to hit the market? Kamotho On Wed, Sep 17, 2014 at 8:44 PM, Aquinas Wasike via kictanet < kictanet@lists.kictanet.or.ke> wrote:
Listers,
I think we are tending to over-analyze. In this space, there is really never a sure fire stage of so called proven technology…..even M-Pesa remains evolving!
M-Pesa was never anything really technologically ground-breaking, it was just a logical solution to the mama-mboga/wanjiku problem of money transfer. It was a very simple system/solution to a known problem. But it caught on and became a runaway success (even the originators of M-Pesa do marvel about the combination of luck and other factors that led to its success). It was a value add service to its existing customers.
That said, M-Pesa has been a beneficiary of *soft regulation*. It remains so even today! Both CBK and CA (formerly CCK) remain undecided or unsure about how to regulate that market almost 10 years later. Safaricom through its large customer base network effect and lock-in strategy ran away with the significant mobile transfer customer base. Airtel could never shake this strangle-hold. Safaricom went on to become a near monopoly in the mobile money (transfer/payments) sector, as well as a near monopoly in the voice market as it concurrently locked in its subscribers and now sits at almost 21m subscribers.
So, as we debate this there are 1001 reasons we can advance to deny this thin-sim solution. There is almost nothing we cannot advance as a reason to deny Equity the use of this thin-sim technology. And Cofek should be supporting this to create competition to free up the market from Safaricom enslavement.
The real war we should be waiting for is who will manage to get to the hearts of the consumer. This is about the simple and practical VAS that they will avail. These customers will easily move away with their number to this new service provider with the value add services that are practical to him/her. This will cause number portability without a sweat. Maybe then Dr. Partrick Musimba will switch on his service for porting these customers back and forth between Equity, Safaricom etc….. Exciting times ahead, I guess.
Safaricom should expect to be served by the same token it benefited from several years ago when it launched M-Pesa. I would really be surprised if Safaricom has been sitting pretty on its honey pot thinking that this moment will not arrive.
In the meantime, let us let the Parliamentary committee continue to enjoy their sitting allowances. Unless this happened last night, I would be surprised if they will be making any ground breaking technological declarations.
My 2 cents….
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Aquinas Wasike
Mobile: +254 722 511120
Email: aquinasw@lantech.co.ke
Website: www.lantech.co.ke
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*From:* kictanet [mailto:kictanet-bounces+aquinasw= lantech.co.ke@lists.kictanet.or.ke] *On Behalf Of *Ali Hussein via kictanet *Sent:* Wednesday, September 17, 2014 3:59 PM *To:* Aquinas Wasike
*Subject:* Re: [kictanet] Equity Bank vs Safaricom :-Round 2
David
With all due respect to COFEK.
How did you guys react to Mpesa? Weren't Kenyans 'guinea pigs' then?
Far be it for me to question COFEK's motives here beyond 'protecting' Wanjiku..
*Ali Hussein*
+254 770 906375 / 0713 601113
Twitter: @AliHKassim
Skype: abu-jomo
LinkedIn: http://ke.linkedin.com/in/alihkassim
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 17, 2014, at 3:49 PM, "Consumers Federation of Kenya \(COFEK\) via kictanet" <kictanet@lists.kictanet.or.ke> wrote:
Dear Mr Kioko,
We are watching this debate very keenly. We can’t resist the temptation to comment on your issue. The summary you capture is obviously about Consumer Rights.
Article 46(1)(b) of the Constitution says – “Consumers have the *right* to the *information* necessary for them to gain full benefit from goods and services”. Under the Consumer Protection Act, 2012 on Section 5(1) under the quality of goods and services, the law states that: “The *supplier is deemed to warrant* that the goods or services supplied under a consumer agreement are of a reasonably merchantable quality”
When CA approved 3 MVNO’s in April 2014 without addressing itself to the new emerging challenges, even beyond it, the consumer is left to be a “guinea pig” upon which this technology would be tested upon, with either good or bad results notwithstanding. In the (un)likely event privacy will be lost as a result of such technology, service providers must be reminded that Article 31(c)(d) of the Constitution are not suspended.
At Cofek, we encourage innovations and competition but we must also be sensitive to Wanjiku, the law and public interest. Reulation should not always behind of ICT innovations. It must be ahead so we are not so helpless as to expect MP’s to decide on a highly technical matter as to the pros and cons of a thin sim. Thank you.
David Kedode
*Program Officer*
www.cofek.co.ke
*From:* kictanet [ mailto:kictanet-bounces+hotline=cofek.co.ke@lists.kictanet.or.ke <kictanet-bounces+hotline=cofek.co.ke@lists.kictanet.or.ke>] *On Behalf Of *Bernard Kioko via kictanet *Sent:* Wednesday, September 17, 2014 3:28 PM *To:* The Consumers Federation of Kenya (Cofek) *Subject:* Re: [kictanet] Equity Bank vs Safaricom :-Round 2
Noted fr<image001.png>om the document:
*From:* kictanet [ mailto:kictanet-bounces+bkioko=bernsoft.com@lists.kictanet.or.ke <kictanet-bounces+bkioko=bernsoft.com@lists.kictanet.or.ke>] *On Behalf Of *Anthony Kiarie via kictanet *Sent:* Wednesday, September 17, 2014 3:12 PM *To:* bkioko@bernsoft.com *Subject:* Re: [kictanet] Equity Bank vs Safaricom :-Round 2
Hi
This is what GSMA had to say about the matter;
http://www.gsma.com/publicpolicy/wp-content/uploads/2014/08/GSMA-Security-Gr...
On Wed, Sep 17, 2014 at 3:01 PM, Harry Delano via kictanet < kictanet@lists.kictanet.or.ke> wrote:
Well summed up Walu...
Let's look at the positivity aspect of it, and possibly with the benefit of hindsight, adopt a gradual uptake to "test the waters"...
By the way who is giving the honorable legislators professional advice on this important Cyber security matter, as they decide the fate of the Thin-sim technology...?
Harry
On Wed, Sep 17, 2014 at 2:33 PM, Walubengo J via kictanet < kictanet@lists.kictanet.or.ke> wrote:
Thanks Gicheru,
I was really getting woried...most of the security concerns raised by listers are the very same ones traditional banks raised against MPESA a few years ago. Luckily, the regulators then ignored them otherwise the global story of MPESA may never have been told let alone celebrated.
Folks, I am NOT saying there is NO issue with thin-SIM. There are, but I worry when we sound defeatist and perhaps scared to open a new story of mobile money. If Kenyans can't do, no one else in the world will.
Lets bring out the concerns, but with a view to resolving them rather than running away from them.
walu. shared secret: as an info-security professional, I was so paranoid about MPESA that I ended being what strategy books call - Laggards or more politely Late adopters. For years I was quite paralysed with my security analysis (analytic paralysis syndrome) and could dare not sign up. Eventually ofcourse I grudgingly signed up - but still get shivers when am sending that mobile money :-)
-------------------------------------------- On Wed, 9/17/14, Martin Gicheru via kictanet < kictanet@lists.kictanet.or.ke> wrote:
Subject: Re: [kictanet] Equity Bank vs Safaricom :-Round 2 To: jwalu@yahoo.com Date: Wednesday, September 17, 2014, 2:00 PM
@Dennis: I don't see Equity Bank worried that they may be exposing consumers in the way you just presented, and this has not come out yet in an argument before. You realize that the same bank account has been accessible on the mobile phone via USSD shortcodes that most of these banks have that they call "mobile banking". On Wed, Sep 17, 2014 at 1:33 PM, Collins Areba via kictanet <kictanet@lists.kictanet.or.ke> wrote: Come to think of this, Would this lead to a rise in Handset Locking to network under plans much like AT&T does elsewhere? Leading to a change in business model from exclusively traditional Prepay to Device Lock in. Or does the regulator intend to block the larger companies from doing this too?
On Wed, Sep 17, 2014 at 1:28 PM, Dennis Kioko via kictanet <kictanet@lists.kictanet.or.ke> wrote: 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> 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> 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> wrote:
Subject: Re: [kictanet] Fw: Equity Bank vs Safaricom :-Round 2
To: 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>
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>
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:
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>
wrote:
resting
discussion on where mobile baking is going....
With
best wishes,
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:
@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>
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/-/11d48l...
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+1 Kamotho. Notwithstanding the self incriminating statement by Safaricom which shows any one with malicious intent only need acquire a Thin SIM and preload to access their network, Safaricom could also have done well to share videos or live demos of their lab tests as proof of this threat. It is mind shuttering to imagine the consequences of this admission particularly in this age of cyber attacks. If I were Safaricom I would be spending my energies with CBK to get a banking license! John Masiwe Business Development Director & CEO Blue Gate Technologies Ltd - Professional and Quality ICT Services 4th Floor – Bishop Maigua Plaza (opp. Uchumi Hyper – Ngong Rd) Ngong Road, Nairobi P. O. Box 344 – 00600 Nairobi Website: www.bluegate.co.ke | Email: jmasiwe@bluegate.co.ke | Tel: 0725 24 88 00 - 0714 772 468 Email Signature From: kictanet [mailto:kictanet-bounces+jmasiwe=bluegate.co.ke@lists.kictanet.or.ke] On Behalf Of Kamotho Njenga via kictanet Sent: Thursday, September 18, 2014 1:18 PM To: John Masiwe Subject: Re: [kictanet] Equity Bank vs Safaricom :-Round 2 It would be inappropriate to dismiss Safaricom's security concerns without a bit of interrogation. Below is a brief excerpt of what Safaricom's team advanced as the basis of their opposition for the Thin SIM before the Parliamentary Committee "Safaricom head of regulatory services Stephen Chege and the head of product services Kenneth Okwero said the technology will affect Kenyans and other mobile phone subscribers if thin SIMs are overlaid on users' primary SIM cards. Mr Chege said when Safaricom became aware of the technology, it put the thin SIM in its lab and tested to see how it affects communication between the phone and the original SIM. From testing, we found out that it is a bridge between what you type in your phone and the main SIM. Thin SIM is capable of seeing through any transaction," he said. He said the thin SIM technology may compromise its M-Pesa services." Relevant questions from this position may include: 1. Does the problem emanate from the Safaricom's SIM being used as a bridge? (Kutumiwa Vibaya as literally said) 2. How exactly does the Thin SIM see through the transaction and which particular Thin SIM variety is in focus? 3. Beyond seeing through the transaction, what threats are posed by the Thin SIM? 4. Whose duty is it to secure a clients transactions from been seen through, intercepted, corrupted etc. Does the duty fall on Safaricom or on the competitor? Can you rightly accuse people of being snoopy for seeing through your birthday suit having opted to walk naked? Are strangers obliged to shut their eyes or clothe you to preserve the sanctity of your nudity? 5. Which exact layer of the M-Pesa system is being compromised? Is it the individual client transaction or the larger network? Can a penetration within my SIM card affect the state of fellow subscribers? 6. What other vulnerabilities are Safaricom subscribers currently exposed to which can only be divulged if any other competitor proposes to offer another disruptive solution? 7. Are we better of if we just enact a regulatory requirement that subjects all future emergent technologies/solutions to the dominant players lab "to get clearance"? 8. If both the Ordinary and the Thin SIM belong to me, what issues arise if the SIMs decide to observe or interfere with each others activities? Assume a scenario where one of my two SIMs initiates a fraudulent transaction and steals from the other? (e.g the Thin SIM steals money from my M-Pesa and deposits it in my Equity bank account) 9. Bearing in mind that security is neither guaranteed by the conventional or the thin SIM, what about candidly telling Kenyans that they have always risked with the traditional SIM and another SIM (Thin SIM) with unknown risks is about to hit the market? Kamotho On Wed, Sep 17, 2014 at 8:44 PM, Aquinas Wasike via kictanet <kictanet@lists.kictanet.or.ke> wrote: Listers, I think we are tending to over-analyze. In this space, there is really never a sure fire stage of so called proven technology…..even M-Pesa remains evolving! M-Pesa was never anything really technologically ground-breaking, it was just a logical solution to the mama-mboga/wanjiku problem of money transfer. It was a very simple system/solution to a known problem. But it caught on and became a runaway success (even the originators of M-Pesa do marvel about the combination of luck and other factors that led to its success). It was a value add service to its existing customers. That said, M-Pesa has been a beneficiary of soft regulation. It remains so even today! Both CBK and CA (formerly CCK) remain undecided or unsure about how to regulate that market almost 10 years later. Safaricom through its large customer base network effect and lock-in strategy ran away with the significant mobile transfer customer base. Airtel could never shake this strangle-hold. Safaricom went on to become a near monopoly in the mobile money (transfer/payments) sector, as well as a near monopoly in the voice market as it concurrently locked in its subscribers and now sits at almost 21m subscribers. So, as we debate this there are 1001 reasons we can advance to deny this thin-sim solution. There is almost nothing we cannot advance as a reason to deny Equity the use of this thin-sim technology. And Cofek should be supporting this to create competition to free up the market from Safaricom enslavement. The real war we should be waiting for is who will manage to get to the hearts of the consumer. This is about the simple and practical VAS that they will avail. These customers will easily move away with their number to this new service provider with the value add services that are practical to him/her. This will cause number portability without a sweat. Maybe then Dr. Partrick Musimba will switch on his service for porting these customers back and forth between Equity, Safaricom etc….. Exciting times ahead, I guess. Safaricom should expect to be served by the same token it benefited from several years ago when it launched M-Pesa. I would really be surprised if Safaricom has been sitting pretty on its honey pot thinking that this moment will not arrive. In the meantime, let us let the Parliamentary committee continue to enjoy their sitting allowances. Unless this happened last night, I would be surprised if they will be making any ground breaking technological declarations. My 2 cents…. ----------------------------------------------------------------- Aquinas Wasike Mobile: +254 722 511120 <tel:%2B254%20722%20511120> Email: <mailto:aquinasw@lantech.co.ke> aquinasw@lantech.co.ke Website: www.lantech.co.ke ----------------------------------------------------------------- From: kictanet [mailto:kictanet-bounces+aquinasw <mailto:kictanet-bounces%2Baquinasw> =lantech.co.ke@lists.kictanet.or.ke] On Behalf Of Ali Hussein via kictanet Sent: Wednesday, September 17, 2014 3:59 PM To: Aquinas Wasike Subject: Re: [kictanet] Equity Bank vs Safaricom :-Round 2 David With all due respect to COFEK. How did you guys react to Mpesa? Weren't Kenyans 'guinea pigs' then? Far be it for me to question COFEK's motives here beyond 'protecting' Wanjiku.. Ali Hussein +254 770 906375 <tel:%2B254%20770%20906375> / 0713 601113 Twitter: @AliHKassim Skype: abu-jomo LinkedIn: http://ke.linkedin.com/in/alihkassim Blog: www.alyhussein.com <http://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 17, 2014, at 3:49 PM, "Consumers Federation of Kenya \(COFEK\) via kictanet" <kictanet@lists.kictanet.or.ke> wrote: Dear Mr Kioko, We are watching this debate very keenly. We can’t resist the temptation to comment on your issue. The summary you capture is obviously about Consumer Rights. Article 46(1)(b) of the Constitution says – “Consumers have the right to the information necessary for them to gain full benefit from goods and services”. Under the Consumer Protection Act, 2012 on Section 5(1) under the quality of goods and services, the law states that: “The supplier is deemed to warrant that the goods or services supplied under a consumer agreement are of a reasonably merchantable quality” When CA approved 3 MVNO’s in April 2014 without addressing itself to the new emerging challenges, even beyond it, the consumer is left to be a “guinea pig” upon which this technology would be tested upon, with either good or bad results notwithstanding. In the (un)likely event privacy will be lost as a result of such technology, service providers must be reminded that Article 31(c)(d) of the Constitution are not suspended. At Cofek, we encourage innovations and competition but we must also be sensitive to Wanjiku, the law and public interest. Reulation should not always behind of ICT innovations. It must be ahead so we are not so helpless as to expect MP’s to decide on a highly technical matter as to the pros and cons of a thin sim. Thank you. David Kedode Program Officer www.cofek.co.ke From: kictanet [mailto:kictanet-bounces+hotline=cofek.co.ke@lists.kictanet.or.ke] On Behalf Of Bernard Kioko via kictanet Sent: Wednesday, September 17, 2014 3:28 PM To: The Consumers Federation of Kenya (Cofek) Subject: Re: [kictanet] Equity Bank vs Safaricom :-Round 2 Noted fr<image001.png>om the document: From: kictanet [mailto:kictanet-bounces+bkioko=bernsoft.com@lists.kictanet.or.ke] On Behalf Of Anthony Kiarie via kictanet Sent: Wednesday, September 17, 2014 3:12 PM To: bkioko@bernsoft.com Subject: Re: [kictanet] Equity Bank vs Safaricom :-Round 2 Hi This is what GSMA had to say about the matter; http://www.gsma.com/publicpolicy/wp-content/uploads/2014/08/GSMA-Security-Gr... On Wed, Sep 17, 2014 at 3:01 PM, Harry Delano via kictanet <kictanet@lists.kictanet.or.ke> wrote: Well summed up Walu... Let's look at the positivity aspect of it, and possibly with the benefit of hindsight, adopt a gradual uptake to "test the waters"... By the way who is giving the honorable legislators professional advice on this important Cyber security matter, as they decide the fate of the Thin-sim technology...? Harry On Wed, Sep 17, 2014 at 2:33 PM, Walubengo J via kictanet <kictanet@lists.kictanet.or.ke> wrote: Thanks Gicheru, I was really getting woried...most of the security concerns raised by listers are the very same ones traditional banks raised against MPESA a few years ago. Luckily, the regulators then ignored them otherwise the global story of MPESA may never have been told let alone celebrated. Folks, I am NOT saying there is NO issue with thin-SIM. There are, but I worry when we sound defeatist and perhaps scared to open a new story of mobile money. If Kenyans can't do, no one else in the world will. Lets bring out the concerns, but with a view to resolving them rather than running away from them. walu. shared secret: as an info-security professional, I was so paranoid about MPESA that I ended being what strategy books call - Laggards or more politely Late adopters. For years I was quite paralysed with my security analysis (analytic paralysis syndrome) and could dare not sign up. Eventually ofcourse I grudgingly signed up - but still get shivers when am sending that mobile money :-) -------------------------------------------- On Wed, 9/17/14, Martin Gicheru via kictanet <kictanet@lists.kictanet.or.ke> wrote: Subject: Re: [kictanet] Equity Bank vs Safaricom :-Round 2 To: jwalu@yahoo.com Date: Wednesday, September 17, 2014, 2:00 PM @Dennis: I don't see Equity Bank worried that they may be exposing consumers in the way you just presented, and this has not come out yet in an argument before. You realize that the same bank account has been accessible on the mobile phone via USSD shortcodes that most of these banks have that they call "mobile banking". On Wed, Sep 17, 2014 at 1:33 PM, Collins Areba via kictanet <kictanet@lists.kictanet.or.ke> wrote: Come to think of this, Would this lead to a rise in Handset Locking to network under plans much like AT&T does elsewhere? Leading to a change in business model from exclusively traditional Prepay to Device Lock in. Or does the regulator intend to block the larger companies from doing this too? On Wed, Sep 17, 2014 at 1:28 PM, Dennis Kioko via kictanet <kictanet@lists.kictanet.or.ke> wrote: 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> 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> 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> wrote: Subject: Re: [kictanet] Fw: Equity Bank vs Safaricom :-Round 2 To: 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> 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> 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: 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> 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 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 <tel:%2B1%20925-935-1589> :US Tel;+1 925-818-4322 <tel:%2B1%20925-818-4322> :US cell; +251-91-120-1449 <tel:%2B251-91-120-1449> :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> 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 <tel:%2B254%20770%20906375> / 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> 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/-/11d48l... _______________________________________________ kictanet mailing list kictanet@lists.kictanet.or.ke https://lists.kictanet.or.ke/mailman/listinfo/kictanet Unsubscribe or change your options at https://lists.kictanet.or.ke/mailman/options/kictanet/arebacollins%40gmail.c... 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. 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All In my view, we still come back to the question of how the SIM works. The Taisys Website (http://www.taisys.com/solution) where the technology comes from outlines the security protocols and even customer references. See below graphics…. Judge for yourself as I think the 'noise' coming from both parties is missing the point. Safaricom can as well get a banking license or acquire a bank. They have deep enough pockets to swallow a bank without having constipation. Ali Hussein +254 770 906375 / 0713 601113 Twitter: @AliHKassim Skype: abu-jomo LinkedIn: http://ke.linkedin.com/in/alihkassim 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 18, 2014, at 1:57 PM, John Masiwe via kictanet <kictanet@lists.kictanet.or.ke> wrote:
+1 Kamotho. Notwithstanding the self incriminating statement by Safaricom which shows any one with malicious intent only need acquire a Thin SIM and preload to access their network, Safaricom could also have done well to share videos or live demos of their lab tests as proof of this threat.
It is mind shuttering to imagine the consequences of this admission particularly in this age of cyber attacks.
If I were Safaricom I would be spending my energies with CBK to get a banking license!
John Masiwe Business Development Director & CEO Blue Gate Technologies Ltd - Professional and Quality ICT Services 4th Floor – Bishop Maigua Plaza (opp. Uchumi Hyper – Ngong Rd) Ngong Road, Nairobi P. O. Box 344 – 00600 Nairobi Website: www.bluegate.co.ke | Email: jmasiwe@bluegate.co.ke | Tel: 0725 24 88 00 - 0714 772 468 <image001.png>
From: kictanet [mailto:kictanet-bounces+jmasiwe=bluegate.co.ke@lists.kictanet.or.ke] On Behalf Of Kamotho Njenga via kictanet Sent: Thursday, September 18, 2014 1:18 PM To: John Masiwe Subject: Re: [kictanet] Equity Bank vs Safaricom :-Round 2
It would be inappropriate to dismiss Safaricom's security concerns without a bit of interrogation. Below is a brief excerpt of what Safaricom's team advanced as the basis of their opposition for the Thin SIM before the Parliamentary Committee
"Safaricom head of regulatory services Stephen Chege and the head of product services Kenneth Okwero said the technology will affect Kenyans and other mobile phone subscribers if thin SIMs are overlaid on users' primary SIM cards. Mr Chege said when Safaricom became aware of the technology, it put the thin SIM in its lab and tested to see how it affects communication between the phone and the original SIM. From testing, we found out that it is a bridge between what you type in your phone and the main SIM. Thin SIM is capable of seeing through any transaction," he said. He said the thin SIM technology may compromise its M-Pesa services."
Relevant questions from this position may include: 1. Does the problem emanate from the Safaricom's SIM being used as a bridge? (Kutumiwa Vibaya as literally said) 2. How exactly does the Thin SIM see through the transaction and which particular Thin SIM variety is in focus? 3. Beyond seeing through the transaction, what threats are posed by the Thin SIM? 4. Whose duty is it to secure a clients transactions from been seen through, intercepted, corrupted etc. Does the duty fall on Safaricom or on the competitor? Can you rightly accuse people of being snoopy for seeing through your birthday suit having opted to walk naked? Are strangers obliged to shut their eyes or clothe you to preserve the sanctity of your nudity? 5. Which exact layer of the M-Pesa system is being compromised? Is it the individual client transaction or the larger network? Can a penetration within my SIM card affect the state of fellow subscribers? 6. What other vulnerabilities are Safaricom subscribers currently exposed to which can only be divulged if any other competitor proposes to offer another disruptive solution? 7. Are we better of if we just enact a regulatory requirement that subjects all future emergent technologies/solutions to the dominant players lab "to get clearance"? 8. If both the Ordinary and the Thin SIM belong to me, what issues arise if the SIMs decide to observe or interfere with each others activities? Assume a scenario where one of my two SIMs initiates a fraudulent transaction and steals from the other? (e.g the Thin SIM steals money from my M-Pesa and deposits it in my Equity bank account) 9. Bearing in mind that security is neither guaranteed by the conventional or the thin SIM, what about candidly telling Kenyans that they have always risked with the traditional SIM and another SIM (Thin SIM) with unknown risks is about to hit the market?
Kamotho
On Wed, Sep 17, 2014 at 8:44 PM, Aquinas Wasike via kictanet <kictanet@lists.kictanet.or.ke> wrote: Listers,
I think we are tending to over-analyze. In this space, there is really never a sure fire stage of so called proven technology…..even M-Pesa remains evolving!
M-Pesa was never anything really technologically ground-breaking, it was just a logical solution to the mama-mboga/wanjiku problem of money transfer. It was a very simple system/solution to a known problem. But it caught on and became a runaway success (even the originators of M-Pesa do marvel about the combination of luck and other factors that led to its success). It was a value add service to its existing customers.
That said, M-Pesa has been a beneficiary of soft regulation. It remains so even today! Both CBK and CA (formerly CCK) remain undecided or unsure about how to regulate that market almost 10 years later. Safaricom through its large customer base network effect and lock-in strategy ran away with the significant mobile transfer customer base. Airtel could never shake this strangle-hold. Safaricom went on to become a near monopoly in the mobile money (transfer/payments) sector, as well as a near monopoly in the voice market as it concurrently locked in its subscribers and now sits at almost 21m subscribers.
So, as we debate this there are 1001 reasons we can advance to deny this thin-sim solution. There is almost nothing we cannot advance as a reason to deny Equity the use of this thin-sim technology. And Cofek should be supporting this to create competition to free up the market from Safaricom enslavement.
The real war we should be waiting for is who will manage to get to the hearts of the consumer. This is about the simple and practical VAS that they will avail. These customers will easily move away with their number to this new service provider with the value add services that are practical to him/her. This will cause number portability without a sweat. Maybe then Dr. Partrick Musimba will switch on his service for porting these customers back and forth between Equity, Safaricom etc….. Exciting times ahead, I guess.
Safaricom should expect to be served by the same token it benefited from several years ago when it launched M-Pesa. I would really be surprised if Safaricom has been sitting pretty on its honey pot thinking that this moment will not arrive.
In the meantime, let us let the Parliamentary committee continue to enjoy their sitting allowances. Unless this happened last night, I would be surprised if they will be making any ground breaking technological declarations.
My 2 cents….
----------------------------------------------------------------- Aquinas Wasike
Mobile: +254 722 511120
Email: aquinasw@lantech.co.ke Website: www.lantech.co.ke -----------------------------------------------------------------
From: kictanet [mailto:kictanet-bounces+aquinasw=lantech.co.ke@lists.kictanet.or.ke] On Behalf Of Ali Hussein via kictanet Sent: Wednesday, September 17, 2014 3:59 PM To: Aquinas Wasike
Subject: Re: [kictanet] Equity Bank vs Safaricom :-Round 2
David
With all due respect to COFEK.
How did you guys react to Mpesa? Weren't Kenyans 'guinea pigs' then?
Far be it for me to question COFEK's motives here beyond 'protecting' Wanjiku..
Ali Hussein
+254 770 906375 / 0713 601113
Twitter: @AliHKassim Skype: abu-jomo LinkedIn: http://ke.linkedin.com/in/alihkassim 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 17, 2014, at 3:49 PM, "Consumers Federation of Kenya \(COFEK\) via kictanet" <kictanet@lists.kictanet.or.ke> wrote:
Dear Mr Kioko,
We are watching this debate very keenly. We can’t resist the temptation to comment on your issue. The summary you capture is obviously about Consumer Rights.
Article 46(1)(b) of the Constitution says – “Consumers have the right to the information necessary for them to gain full benefit from goods and services”. Under the Consumer Protection Act, 2012 on Section 5(1) under the quality of goods and services, the law states that: “The supplier is deemed to warrant that the goods or services supplied under a consumer agreement are of a reasonably merchantable quality”
When CA approved 3 MVNO’s in April 2014 without addressing itself to the new emerging challenges, even beyond it, the consumer is left to be a “guinea pig” upon which this technology would be tested upon, with either good or bad results notwithstanding. In the (un)likely event privacy will be lost as a result of such technology, service providers must be reminded that Article 31(c)(d) of the Constitution are not suspended.
At Cofek, we encourage innovations and competition but we must also be sensitive to Wanjiku, the law and public interest. Reulation should not always behind of ICT innovations. It must be ahead so we are not so helpless as to expect MP’s to decide on a highly technical matter as to the pros and cons of a thin sim. Thank you.
David Kedode Program Officer www.cofek.co.ke
From: kictanet [mailto:kictanet-bounces+hotline=cofek.co.ke@lists.kictanet.or.ke] On Behalf Of Bernard Kioko via kictanet Sent: Wednesday, September 17, 2014 3:28 PM To: The Consumers Federation of Kenya (Cofek) Subject: Re: [kictanet] Equity Bank vs Safaricom :-Round 2
Noted fr<image001.png>om the document:
From: kictanet [mailto:kictanet-bounces+bkioko=bernsoft.com@lists.kictanet.or.ke] On Behalf Of Anthony Kiarie via kictanet Sent: Wednesday, September 17, 2014 3:12 PM To: bkioko@bernsoft.com Subject: Re: [kictanet] Equity Bank vs Safaricom :-Round 2
Hi This is what GSMA had to say about the matter;
http://www.gsma.com/publicpolicy/wp-content/uploads/2014/08/GSMA-Security-Gr...
On Wed, Sep 17, 2014 at 3:01 PM, Harry Delano via kictanet <kictanet@lists.kictanet.or.ke> wrote: Well summed up Walu...
Let's look at the positivity aspect of it, and possibly with the benefit of hindsight, adopt a gradual uptake to "test the waters"...
By the way who is giving the honorable legislators professional advice on this important Cyber security matter, as they decide the fate of the Thin-sim technology...?
Harry
On Wed, Sep 17, 2014 at 2:33 PM, Walubengo J via kictanet <kictanet@lists.kictanet.or.ke> wrote: Thanks Gicheru,
I was really getting woried...most of the security concerns raised by listers are the very same ones traditional banks raised against MPESA a few years ago. Luckily, the regulators then ignored them otherwise the global story of MPESA may never have been told let alone celebrated.
Folks, I am NOT saying there is NO issue with thin-SIM. There are, but I worry when we sound defeatist and perhaps scared to open a new story of mobile money. If Kenyans can't do, no one else in the world will.
Lets bring out the concerns, but with a view to resolving them rather than running away from them.
walu. shared secret: as an info-security professional, I was so paranoid about MPESA that I ended being what strategy books call - Laggards or more politely Late adopters. For years I was quite paralysed with my security analysis (analytic paralysis syndrome) and could dare not sign up. Eventually ofcourse I grudgingly signed up - but still get shivers when am sending that mobile money :-)
-------------------------------------------- On Wed, 9/17/14, Martin Gicheru via kictanet <kictanet@lists.kictanet.or.ke> wrote:
Subject: Re: [kictanet] Equity Bank vs Safaricom :-Round 2 To: jwalu@yahoo.com Date: Wednesday, September 17, 2014, 2:00 PM
@Dennis: I don't see Equity Bank worried that they may be exposing consumers in the way you just presented, and this has not come out yet in an argument before. You realize that the same bank account has been accessible on the mobile phone via USSD shortcodes that most of these banks have that they call "mobile banking". On Wed, Sep 17, 2014 at 1:33 PM, Collins Areba via kictanet <kictanet@lists.kictanet.or.ke> wrote: Come to think of this, Would this lead to a rise in Handset Locking to network under plans much like AT&T does elsewhere? Leading to a change in business model from exclusively traditional Prepay to Device Lock in. Or does the regulator intend to block the larger companies from doing this too?
On Wed, Sep 17, 2014 at 1:28 PM, Dennis Kioko via kictanet <kictanet@lists.kictanet.or.ke> wrote: 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> 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> 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> wrote:
Subject: Re: [kictanet] Fw: Equity Bank vs Safaricom :-Round 2
To: 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>
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>
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:
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>
wrote:
resting
discussion on where mobile baking is going....
With
best wishes,
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:
@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>
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/-/11d48l...
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What if Equity bank is trying to pull a fast one on us? I'm not clearvoyant but my guess is, Equity is diverting other players through the Thin SIM while it is busy stabilizing it's systems that will eventually use the normal SIM. The Equitel SIM cards are all over now On 18/09/2014, John Masiwe via kictanet <kictanet@lists.kictanet.or.ke> wrote:
+1 Kamotho. Notwithstanding the self incriminating statement by Safaricom which shows any one with malicious intent only need acquire a Thin SIM and preload to access their network, Safaricom could also have done well to share videos or live demos of their lab tests as proof of this threat.
It is mind shuttering to imagine the consequences of this admission particularly in this age of cyber attacks.
If I were Safaricom I would be spending my energies with CBK to get a banking license!
John Masiwe
Business Development Director & CEO
Blue Gate Technologies Ltd - Professional and Quality ICT Services
4th Floor - Bishop Maigua Plaza (opp. Uchumi Hyper - Ngong Rd)
Ngong Road, Nairobi
P. O. Box 344 - 00600 Nairobi
Website: www.bluegate.co.ke | Email: jmasiwe@bluegate.co.ke | Tel: 0725 24 88 00 - 0714 772 468
Email Signature
From: kictanet [mailto:kictanet-bounces+jmasiwe=bluegate.co.ke@lists.kictanet.or.ke] On Behalf Of Kamotho Njenga via kictanet Sent: Thursday, September 18, 2014 1:18 PM To: John Masiwe Subject: Re: [kictanet] Equity Bank vs Safaricom :-Round 2
It would be inappropriate to dismiss Safaricom's security concerns without a bit of interrogation. Below is a brief excerpt of what Safaricom's team advanced as the basis of their opposition for the Thin SIM before the Parliamentary Committee
"Safaricom head of regulatory services Stephen Chege and the head of product services Kenneth Okwero said the technology will affect Kenyans and other mobile phone subscribers if thin SIMs are overlaid on users' primary SIM cards. Mr Chege said when Safaricom became aware of the technology, it put the thin SIM in its lab and tested to see how it affects communication between the phone and the original SIM. From testing, we found out that it is a bridge between what you type in your phone and the main SIM. Thin SIM is capable of seeing through any transaction," he said. He said the thin SIM technology may compromise its M-Pesa services."
Relevant questions from this position may include:
1. Does the problem emanate from the Safaricom's SIM being used as a bridge? (Kutumiwa Vibaya as literally said)
2. How exactly does the Thin SIM see through the transaction and which particular Thin SIM variety is in focus?
3. Beyond seeing through the transaction, what threats are posed by the Thin SIM?
4. Whose duty is it to secure a clients transactions from been seen through, intercepted, corrupted etc. Does the duty fall on Safaricom or on the competitor? Can you rightly accuse people of being snoopy for seeing through your birthday suit having opted to walk naked? Are strangers obliged to shut their eyes or clothe you to preserve the sanctity of your nudity?
5. Which exact layer of the M-Pesa system is being compromised? Is it the individual client transaction or the larger network? Can a penetration within my SIM card affect the state of fellow subscribers?
6. What other vulnerabilities are Safaricom subscribers currently exposed to which can only be divulged if any other competitor proposes to offer another disruptive solution?
7. Are we better of if we just enact a regulatory requirement that subjects all future emergent technologies/solutions to the dominant players lab "to get clearance"?
8. If both the Ordinary and the Thin SIM belong to me, what issues arise if the SIMs decide to observe or interfere with each others activities? Assume a scenario where one of my two SIMs initiates a fraudulent transaction and steals from the other? (e.g the Thin SIM steals money from my M-Pesa and deposits it in my Equity bank account)
9. Bearing in mind that security is neither guaranteed by the conventional or the thin SIM, what about candidly telling Kenyans that they have always risked with the traditional SIM and another SIM (Thin SIM) with unknown risks is about to hit the market?
Kamotho
On Wed, Sep 17, 2014 at 8:44 PM, Aquinas Wasike via kictanet <kictanet@lists.kictanet.or.ke> wrote:
Listers,
I think we are tending to over-analyze. In this space, there is really never a sure fire stage of so called proven technology.....even M-Pesa remains evolving!
M-Pesa was never anything really technologically ground-breaking, it was just a logical solution to the mama-mboga/wanjiku problem of money transfer. It was a very simple system/solution to a known problem. But it caught on and became a runaway success (even the originators of M-Pesa do marvel about the combination of luck and other factors that led to its success). It was a value add service to its existing customers.
That said, M-Pesa has been a beneficiary of soft regulation. It remains so even today! Both CBK and CA (formerly CCK) remain undecided or unsure about how to regulate that market almost 10 years later. Safaricom through its large customer base network effect and lock-in strategy ran away with the significant mobile transfer customer base. Airtel could never shake this strangle-hold. Safaricom went on to become a near monopoly in the mobile money (transfer/payments) sector, as well as a near monopoly in the voice market as it concurrently locked in its subscribers and now sits at almost 21m subscribers.
So, as we debate this there are 1001 reasons we can advance to deny this thin-sim solution. There is almost nothing we cannot advance as a reason to deny Equity the use of this thin-sim technology. And Cofek should be supporting this to create competition to free up the market from Safaricom enslavement.
The real war we should be waiting for is who will manage to get to the hearts of the consumer. This is about the simple and practical VAS that they will avail. These customers will easily move away with their number to this new service provider with the value add services that are practical to him/her. This will cause number portability without a sweat. Maybe then Dr. Partrick Musimba will switch on his service for porting these customers back and forth between Equity, Safaricom etc..... Exciting times ahead, I guess.
Safaricom should expect to be served by the same token it benefited from several years ago when it launched M-Pesa. I would really be surprised if Safaricom has been sitting pretty on its honey pot thinking that this moment will not arrive.
In the meantime, let us let the Parliamentary committee continue to enjoy their sitting allowances. Unless this happened last night, I would be surprised if they will be making any ground breaking technological declarations.
My 2 cents....
-----------------------------------------------------------------
Aquinas Wasike
Mobile: +254 722 511120 <tel:%2B254%20722%20511120>
Email: <mailto:aquinasw@lantech.co.ke> aquinasw@lantech.co.ke
Website: www.lantech.co.ke
-----------------------------------------------------------------
From: kictanet [mailto:kictanet-bounces+aquinasw <mailto:kictanet-bounces%2Baquinasw> =lantech.co.ke@lists.kictanet.or.ke] On Behalf Of Ali Hussein via kictanet Sent: Wednesday, September 17, 2014 3:59 PM To: Aquinas Wasike
Subject: Re: [kictanet] Equity Bank vs Safaricom :-Round 2
David
With all due respect to COFEK.
How did you guys react to Mpesa? Weren't Kenyans 'guinea pigs' then?
Far be it for me to question COFEK's motives here beyond 'protecting' Wanjiku..
Ali Hussein
+254 770 906375 <tel:%2B254%20770%20906375> / 0713 601113
Twitter: @AliHKassim
Skype: abu-jomo
LinkedIn: http://ke.linkedin.com/in/alihkassim
Blog: www.alyhussein.com <http://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 17, 2014, at 3:49 PM, "Consumers Federation of Kenya \(COFEK\) via kictanet" <kictanet@lists.kictanet.or.ke> wrote:
Dear Mr Kioko,
We are watching this debate very keenly. We can't resist the temptation to comment on your issue. The summary you capture is obviously about Consumer Rights.
Article 46(1)(b) of the Constitution says - "Consumers have the right to the information necessary for them to gain full benefit from goods and services". Under the Consumer Protection Act, 2012 on Section 5(1) under the quality of goods and services, the law states that: "The supplier is deemed to warrant that the goods or services supplied under a consumer agreement are of a reasonably merchantable quality"
When CA approved 3 MVNO's in April 2014 without addressing itself to the new emerging challenges, even beyond it, the consumer is left to be a "guinea pig" upon which this technology would be tested upon, with either good or bad results notwithstanding. In the (un)likely event privacy will be lost as a result of such technology, service providers must be reminded that Article 31(c)(d) of the Constitution are not suspended.
At Cofek, we encourage innovations and competition but we must also be sensitive to Wanjiku, the law and public interest. Reulation should not always behind of ICT innovations. It must be ahead so we are not so helpless as to expect MP's to decide on a highly technical matter as to the pros and cons of a thin sim. Thank you.
David Kedode
Program Officer
www.cofek.co.ke
From: kictanet [mailto:kictanet-bounces+hotline=cofek.co.ke@lists.kictanet.or.ke] On Behalf Of Bernard Kioko via kictanet Sent: Wednesday, September 17, 2014 3:28 PM To: The Consumers Federation of Kenya (Cofek) Subject: Re: [kictanet] Equity Bank vs Safaricom :-Round 2
Noted fr<image001.png>om the document:
From: kictanet [mailto:kictanet-bounces+bkioko=bernsoft.com@lists.kictanet.or.ke] On Behalf Of Anthony Kiarie via kictanet Sent: Wednesday, September 17, 2014 3:12 PM To: bkioko@bernsoft.com Subject: Re: [kictanet] Equity Bank vs Safaricom :-Round 2
Hi
This is what GSMA had to say about the matter;
http://www.gsma.com/publicpolicy/wp-content/uploads/2014/08/GSMA-Security-Gr...
On Wed, Sep 17, 2014 at 3:01 PM, Harry Delano via kictanet <kictanet@lists.kictanet.or.ke> wrote:
Well summed up Walu...
Let's look at the positivity aspect of it, and possibly with the benefit of hindsight, adopt a gradual uptake to "test the waters"...
By the way who is giving the honorable legislators professional advice on this important Cyber security matter, as they decide the fate of the Thin-sim technology...?
Harry
On Wed, Sep 17, 2014 at 2:33 PM, Walubengo J via kictanet <kictanet@lists.kictanet.or.ke> wrote:
Thanks Gicheru,
I was really getting woried...most of the security concerns raised by listers are the very same ones traditional banks raised against MPESA a few years ago. Luckily, the regulators then ignored them otherwise the global story of MPESA may never have been told let alone celebrated.
Folks, I am NOT saying there is NO issue with thin-SIM. There are, but I worry when we sound defeatist and perhaps scared to open a new story of mobile money. If Kenyans can't do, no one else in the world will.
Lets bring out the concerns, but with a view to resolving them rather than running away from them.
walu. shared secret: as an info-security professional, I was so paranoid about MPESA that I ended being what strategy books call - Laggards or more politely Late adopters. For years I was quite paralysed with my security analysis (analytic paralysis syndrome) and could dare not sign up. Eventually ofcourse I grudgingly signed up - but still get shivers when am sending that mobile money :-)
-------------------------------------------- On Wed, 9/17/14, Martin Gicheru via kictanet <kictanet@lists.kictanet.or.ke> wrote:
Subject: Re: [kictanet] Equity Bank vs Safaricom :-Round 2 To: jwalu@yahoo.com Date: Wednesday, September 17, 2014, 2:00 PM
@Dennis: I don't see Equity Bank worried that they may be exposing consumers in the way you just presented, and this has not come out yet in an argument before. You realize that the same bank account has been accessible on the mobile phone via USSD shortcodes that most of these banks have that they call "mobile banking". On Wed, Sep 17, 2014 at 1:33 PM, Collins Areba via kictanet <kictanet@lists.kictanet.or.ke> wrote: Come to think of this, Would this lead to a rise in Handset Locking to network under plans much like AT&T does elsewhere? Leading to a change in business model from exclusively traditional Prepay to Device Lock in. Or does the regulator intend to block the larger companies from doing this too?
On Wed, Sep 17, 2014 at 1:28 PM, Dennis Kioko via kictanet <kictanet@lists.kictanet.or.ke> wrote: 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> 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> 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> wrote:
Subject: Re: [kictanet] Fw: Equity Bank vs Safaricom :-Round 2
To: 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>
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>
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:
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>
wrote:
resting
discussion on where mobile baking is going....
With
best wishes,
Sophia
Support our "YES" to
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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 <tel:%2B254%20770%20906375> / 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>
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 @
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-- ______________________ Mwendwa Kivuva, Nairobi, Kenya twitter.com/lordmwesh The best athletes never started as the best athletes. You have to think anyway, so why not think big? - Donald Trump. "You miss 100 percent of the shots you never take." - Wayne Gretzky. Tackle the biggest frog first. I will persist until I succeed - Og Mandino.
Safaricom is threatened by reduced revenue, not death. At best Equitel will dent their market share and overtake Airtel money as the no. 2 platform. What would be interesting is if they open up their API to work with other players such as Tangaza, Airtel money and whomever else creeps up. Basically do what Safaricom has always resisted to do. I do not see this hurting them whether revenue wise, customer loyalty or owning the distribution Also some way to tie up all this to paypal or some other internationally recognized payment platform will help them dominate the online marketplace. The devil, as usual, is in the details. On Thu, Sep 18, 2014 at 4:10 PM, Mwendwa Kivuva via kictanet < kictanet@lists.kictanet.or.ke> wrote:
What if Equity bank is trying to pull a fast one on us? I'm not clearvoyant but my guess is, Equity is diverting other players through the Thin SIM while it is busy stabilizing it's systems that will eventually use the normal SIM. The Equitel SIM cards are all over now
+1 Kamotho. Notwithstanding the self incriminating statement by Safaricom which shows any one with malicious intent only need acquire a Thin SIM and preload to access their network, Safaricom could also have done well to share videos or live demos of their lab tests as proof of this threat.
It is mind shuttering to imagine the consequences of this admission particularly in this age of cyber attacks.
If I were Safaricom I would be spending my energies with CBK to get a banking license!
John Masiwe
Business Development Director & CEO
Blue Gate Technologies Ltd - Professional and Quality ICT Services
4th Floor - Bishop Maigua Plaza (opp. Uchumi Hyper - Ngong Rd)
Ngong Road, Nairobi
P. O. Box 344 - 00600 Nairobi
Website: www.bluegate.co.ke | Email: jmasiwe@bluegate.co.ke | Tel: 0725 24 88 00 - 0714 772 468
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From: kictanet [mailto:kictanet-bounces+jmasiwe=bluegate.co.ke@lists.kictanet.or.ke] On Behalf Of Kamotho Njenga via kictanet Sent: Thursday, September 18, 2014 1:18 PM To: John Masiwe Subject: Re: [kictanet] Equity Bank vs Safaricom :-Round 2
It would be inappropriate to dismiss Safaricom's security concerns without a bit of interrogation. Below is a brief excerpt of what Safaricom's team advanced as the basis of their opposition for the Thin SIM before the Parliamentary Committee
"Safaricom head of regulatory services Stephen Chege and the head of
services Kenneth Okwero said the technology will affect Kenyans and other mobile phone subscribers if thin SIMs are overlaid on users' primary SIM cards. Mr Chege said when Safaricom became aware of the technology, it
the thin SIM in its lab and tested to see how it affects communication between the phone and the original SIM. From testing, we found out that it is a bridge between what you type in your phone and the main SIM. Thin SIM is capable of seeing through any transaction," he said. He said the thin SIM technology may compromise its M-Pesa services."
Relevant questions from this position may include:
1. Does the problem emanate from the Safaricom's SIM being used as a bridge? (Kutumiwa Vibaya as literally said)
2. How exactly does the Thin SIM see through the transaction and which particular Thin SIM variety is in focus?
3. Beyond seeing through the transaction, what threats are posed by the Thin SIM?
4. Whose duty is it to secure a clients transactions from been seen
intercepted, corrupted etc. Does the duty fall on Safaricom or on the competitor? Can you rightly accuse people of being snoopy for seeing
your birthday suit having opted to walk naked? Are strangers obliged to shut their eyes or clothe you to preserve the sanctity of your nudity?
5. Which exact layer of the M-Pesa system is being compromised? Is it the individual client transaction or the larger network? Can a penetration within my SIM card affect the state of fellow subscribers?
6. What other vulnerabilities are Safaricom subscribers currently exposed to which can only be divulged if any other competitor proposes to offer another disruptive solution?
7. Are we better of if we just enact a regulatory requirement that subjects all future emergent technologies/solutions to the dominant players lab "to get clearance"?
8. If both the Ordinary and the Thin SIM belong to me, what issues arise if the SIMs decide to observe or interfere with each others activities? Assume a scenario where one of my two SIMs initiates a fraudulent transaction and steals from the other? (e.g the Thin SIM steals money from my M-Pesa and deposits it in my Equity bank account)
9. Bearing in mind that security is neither guaranteed by the conventional or the thin SIM, what about candidly telling Kenyans that they have always risked with the traditional SIM and another SIM (Thin SIM) with unknown risks is about to hit the market?
Kamotho
On Wed, Sep 17, 2014 at 8:44 PM, Aquinas Wasike via kictanet <kictanet@lists.kictanet.or.ke> wrote:
Listers,
I think we are tending to over-analyze. In this space, there is really never a sure fire stage of so called proven technology.....even M-Pesa remains evolving!
M-Pesa was never anything really technologically ground-breaking, it was just a logical solution to the mama-mboga/wanjiku problem of money
It was a very simple system/solution to a known problem. But it caught on and became a runaway success (even the originators of M-Pesa do marvel about the combination of luck and other factors that led to its success). It was a value add service to its existing customers.
That said, M-Pesa has been a beneficiary of soft regulation. It remains so even today! Both CBK and CA (formerly CCK) remain undecided or unsure about how to regulate that market almost 10 years later. Safaricom through its large customer base network effect and lock-in strategy ran away with the significant mobile transfer customer base. Airtel could never shake this strangle-hold. Safaricom went on to become a near monopoly in the mobile money (transfer/payments) sector, as well as a near monopoly in the voice market as it concurrently locked in its subscribers and now sits at almost 21m subscribers.
So, as we debate this there are 1001 reasons we can advance to deny this thin-sim solution. There is almost nothing we cannot advance as a reason to deny Equity the use of this thin-sim technology. And Cofek should be supporting this to create competition to free up the market from Safaricom enslavement.
The real war we should be waiting for is who will manage to get to the hearts of the consumer. This is about the simple and practical VAS that
will avail. These customers will easily move away with their number to
new service provider with the value add services that are practical to him/her. This will cause number portability without a sweat. Maybe then Dr. Partrick Musimba will switch on his service for porting these customers back and forth between Equity, Safaricom etc..... Exciting times ahead, I guess.
Safaricom should expect to be served by the same token it benefited from several years ago when it launched M-Pesa. I would really be surprised if Safaricom has been sitting pretty on its honey pot thinking that this moment will not arrive.
In the meantime, let us let the Parliamentary committee continue to enjoy their sitting allowances. Unless this happened last night, I would be surprised if they will be making any ground breaking technological declarations.
My 2 cents....
-----------------------------------------------------------------
Aquinas Wasike
Mobile: +254 722 511120 <tel:%2B254%20722%20511120>
Email: <mailto:aquinasw@lantech.co.ke> aquinasw@lantech.co.ke
Website: www.lantech.co.ke
-----------------------------------------------------------------
From: kictanet [mailto:kictanet-bounces+aquinasw <mailto:kictanet-bounces%2Baquinasw> =lantech.co.ke@lists.kictanet.or.ke] On Behalf Of Ali Hussein via kictanet Sent: Wednesday, September 17, 2014 3:59 PM To: Aquinas Wasike
Subject: Re: [kictanet] Equity Bank vs Safaricom :-Round 2
David
With all due respect to COFEK.
How did you guys react to Mpesa? Weren't Kenyans 'guinea pigs' then?
Far be it for me to question COFEK's motives here beyond 'protecting' Wanjiku..
Ali Hussein
+254 770 906375 <tel:%2B254%20770%20906375> / 0713 601113
Twitter: @AliHKassim
Skype: abu-jomo
LinkedIn: http://ke.linkedin.com/in/alihkassim
Blog: www.alyhussein.com <http://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 17, 2014, at 3:49 PM, "Consumers Federation of Kenya \(COFEK\) via kictanet" <kictanet@lists.kictanet.or.ke> wrote:
Dear Mr Kioko,
We are watching this debate very keenly. We can't resist the temptation to comment on your issue. The summary you capture is obviously about Consumer Rights.
Article 46(1)(b) of the Constitution says - "Consumers have the right to
information necessary for them to gain full benefit from goods and services". Under the Consumer Protection Act, 2012 on Section 5(1) under
On 18/09/2014, John Masiwe via kictanet <kictanet@lists.kictanet.or.ke> wrote: product put through, through transfer. they this the the
quality of goods and services, the law states that: "The supplier is deemed to warrant that the goods or services supplied under a consumer agreement are of a reasonably merchantable quality"
When CA approved 3 MVNO's in April 2014 without addressing itself to the new emerging challenges, even beyond it, the consumer is left to be a "guinea pig" upon which this technology would be tested upon, with either good or bad results notwithstanding. In the (un)likely event privacy will be lost as a result of such technology, service providers must be reminded that Article 31(c)(d) of the Constitution are not suspended.
At Cofek, we encourage innovations and competition but we must also be sensitive to Wanjiku, the law and public interest. Reulation should not always behind of ICT innovations. It must be ahead so we are not so helpless as to expect MP's to decide on a highly technical matter as to the pros and cons of a thin sim. Thank you.
David Kedode
Program Officer
www.cofek.co.ke
From: kictanet [mailto:kictanet-bounces+hotline=cofek.co.ke@lists.kictanet.or.ke] On Behalf Of Bernard Kioko via kictanet Sent: Wednesday, September 17, 2014 3:28 PM To: The Consumers Federation of Kenya (Cofek) Subject: Re: [kictanet] Equity Bank vs Safaricom :-Round 2
Noted fr<image001.png>om the document:
From: kictanet [mailto:kictanet-bounces+bkioko=bernsoft.com@lists.kictanet.or.ke] On Behalf Of Anthony Kiarie via kictanet Sent: Wednesday, September 17, 2014 3:12 PM To: bkioko@bernsoft.com Subject: Re: [kictanet] Equity Bank vs Safaricom :-Round 2
Hi
This is what GSMA had to say about the matter;
http://www.gsma.com/publicpolicy/wp-content/uploads/2014/08/GSMA-Security-Gr...
On Wed, Sep 17, 2014 at 3:01 PM, Harry Delano via kictanet <kictanet@lists.kictanet.or.ke> wrote:
Well summed up Walu...
Let's look at the positivity aspect of it, and possibly with the benefit
hindsight, adopt a gradual uptake to "test the waters"...
By the way who is giving the honorable legislators professional advice on this important Cyber security matter, as they decide the fate of the Thin-sim technology...?
Harry
On Wed, Sep 17, 2014 at 2:33 PM, Walubengo J via kictanet <kictanet@lists.kictanet.or.ke> wrote:
Thanks Gicheru,
I was really getting woried...most of the security concerns raised by listers are the very same ones traditional banks raised against MPESA a few years ago. Luckily, the regulators then ignored them otherwise the global story of MPESA may never have been told let alone celebrated.
Folks, I am NOT saying there is NO issue with thin-SIM. There are, but I worry when we sound defeatist and perhaps scared to open a new story of mobile money. If Kenyans can't do, no one else in the world will.
Lets bring out the concerns, but with a view to resolving them rather
of than
running away from them.
walu. shared secret: as an info-security professional, I was so paranoid about MPESA that I ended being what strategy books call - Laggards or more politely Late adopters. For years I was quite paralysed with my security analysis (analytic paralysis syndrome) and could dare not sign up. Eventually ofcourse I grudgingly signed up - but still get shivers when am sending that mobile money :-)
-------------------------------------------- On Wed, 9/17/14, Martin Gicheru via kictanet < kictanet@lists.kictanet.or.ke> wrote:
Subject: Re: [kictanet] Equity Bank vs Safaricom :-Round 2 To: jwalu@yahoo.com Date: Wednesday, September 17, 2014, 2:00 PM
@Dennis: I don't see Equity Bank worried that they may be exposing consumers in the way you just presented, and this has not come out yet in an argument before. You realize that the same bank account has been accessible on the mobile phone via USSD shortcodes that most of these banks have that they call "mobile banking". On Wed, Sep 17, 2014 at 1:33 PM, Collins Areba via kictanet <kictanet@lists.kictanet.or.ke> wrote: Come to think of this, Would this lead to a rise in Handset Locking to network under plans much like AT&T does elsewhere? Leading to a change in business model from exclusively traditional Prepay to Device Lock in. Or does the regulator intend to block the larger companies from doing this too?
On Wed, Sep 17, 2014 at 1:28 PM, Dennis Kioko via kictanet <kictanet@lists.kictanet.or.ke> wrote: 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> 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> 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> wrote:
Subject: Re: [kictanet] Fw: Equity Bank vs Safaricom :-Round 2
To: 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>
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>
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:
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>
wrote:
resting
discussion on where mobile baking is going....
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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 <tel:%2B254%20770%20906375> / 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>
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/-/11d48l...
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-- Regards, Mark Mwangi markmwangi.me.ke
I have not seen any loss of privacy issues - the biggest issue is that of traditional crime, a problem which as a country we have refused to tackle. Sideline, a pal went to China and was surprised to see everyone walking around with a smartphone or tablet permanently in their hands, streaming video. The same person quipped that one can't even pick a call in many areas in Nairobi. Let's focus on actual problems rather than hypothetical problems. On 17 Sep 2014 15:50, "Consumers Federation of Kenya (COFEK) via kictanet" < kictanet@lists.kictanet.or.ke> wrote:
Dear Mr Kioko,
We are watching this debate very keenly. We can't resist the temptation to comment on your issue. The summary you capture is obviously about Consumer Rights.
Article 46(1)(b) of the Constitution says - "Consumers have the *right* to the *information* necessary for them to gain full benefit from goods and services". Under the Consumer Protection Act, 2012 on Section 5(1) under the quality of goods and services, the law states that: "The *supplier is deemed to warrant* that the goods or services supplied under a consumer agreement are of a reasonably merchantable quality"
When CA approved 3 MVNO's in April 2014 without addressing itself to the new emerging challenges, even beyond it, the consumer is left to be a "guinea pig" upon which this technology would be tested upon, with either good or bad results notwithstanding. In the (un)likely event privacy will be lost as a result of such technology, service providers must be reminded that Article 31(c)(d) of the Constitution are not suspended.
At Cofek, we encourage innovations and competition but we must also be sensitive to Wanjiku, the law and public interest. Reulation should not always behind of ICT innovations. It must be ahead so we are not so helpless as to expect MP's to decide on a highly technical matter as to the pros and cons of a thin sim. Thank you.
David Kedode
*Program Officer*
www.cofek.co.ke
*From:* kictanet [mailto:kictanet-bounces+hotline= cofek.co.ke@lists.kictanet.or.ke] *On Behalf Of *Bernard Kioko via kictanet *Sent:* Wednesday, September 17, 2014 3:28 PM *To:* The Consumers Federation of Kenya (Cofek) *Subject:* Re: [kictanet] Equity Bank vs Safaricom :-Round 2
Noted fr[image: Description: cid:image001.png@01CFD28B.FA246510]om the document:
*From:* kictanet [mailto:kictanet-bounces+bkioko= bernsoft.com@lists.kictanet.or.ke] *On Behalf Of *Anthony Kiarie via kictanet *Sent:* Wednesday, September 17, 2014 3:12 PM *To:* bkioko@bernsoft.com *Subject:* Re: [kictanet] Equity Bank vs Safaricom :-Round 2
Hi
This is what GSMA had to say about the matter;
http://www.gsma.com/publicpolicy/wp-content/uploads/2014/08/GSMA-Security-Gr...
On Wed, Sep 17, 2014 at 3:01 PM, Harry Delano via kictanet < kictanet@lists.kictanet.or.ke> wrote:
Well summed up Walu...
Let's look at the positivity aspect of it, and possibly with the benefit of hindsight, adopt a gradual uptake to "test the waters"...
By the way who is giving the honorable legislators professional advice on this important Cyber security matter, as they decide the fate of the Thin-sim technology...?
Harry
On Wed, Sep 17, 2014 at 2:33 PM, Walubengo J via kictanet < kictanet@lists.kictanet.or.ke> wrote:
Thanks Gicheru,
I was really getting woried...most of the security concerns raised by listers are the very same ones traditional banks raised against MPESA a few years ago. Luckily, the regulators then ignored them otherwise the global story of MPESA may never have been told let alone celebrated.
Folks, I am NOT saying there is NO issue with thin-SIM. There are, but I worry when we sound defeatist and perhaps scared to open a new story of mobile money. If Kenyans can't do, no one else in the world will.
Lets bring out the concerns, but with a view to resolving them rather than running away from them.
walu. shared secret: as an info-security professional, I was so paranoid about MPESA that I ended being what strategy books call - Laggards or more politely Late adopters. For years I was quite paralysed with my security analysis (analytic paralysis syndrome) and could dare not sign up. Eventually ofcourse I grudgingly signed up - but still get shivers when am sending that mobile money :-)
-------------------------------------------- On Wed, 9/17/14, Martin Gicheru via kictanet < kictanet@lists.kictanet.or.ke> wrote:
Subject: Re: [kictanet] Equity Bank vs Safaricom :-Round 2 To: jwalu@yahoo.com Date: Wednesday, September 17, 2014, 2:00 PM
@Dennis: I don't see Equity Bank worried that they may be exposing consumers in the way you just presented, and this has not come out yet in an argument before. You realize that the same bank account has been accessible on the mobile phone via USSD shortcodes that most of these banks have that they call "mobile banking". On Wed, Sep 17, 2014 at 1:33 PM, Collins Areba via kictanet <kictanet@lists.kictanet.or.ke> wrote: Come to think of this, Would this lead to a rise in Handset Locking to network under plans much like AT&T does elsewhere? Leading to a change in business model from exclusively traditional Prepay to Device Lock in. Or does the regulator intend to block the larger companies from doing this too?
On Wed, Sep 17, 2014 at 1:28 PM, Dennis Kioko via kictanet <kictanet@lists.kictanet.or.ke> wrote: 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> 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> 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> wrote:
Subject: Re: [kictanet] Fw: Equity Bank vs Safaricom :-Round 2
To: 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>
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>
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:
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>
wrote:
resting
discussion on where mobile baking is going....
With
best wishes,
Sophia
Support our "YES" to
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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:
@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>
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/-/11d48l...
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network aims to act as a catalyst for reform
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enabled
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KICTANetiquette : Adhere to the same standards
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Yes... let us embrace the potentially disruptive technology - conscious that there will be risks. There is a chance that the 'pawn in a cosmic war' will decide the winner - the customer. For that, unless Equity and Airtel are also re-jigging their customer service value proposition, Safaricom will win hands down. There is a mad rush towards Equity stock at NSE. Any chance a third player is waiting to scoop the spoils of war (watch KCB). Machuhi On Wed, Sep 17, 2014 at 2:33 PM, Walubengo J via kictanet < kictanet@lists.kictanet.or.ke> wrote:
Thanks Gicheru,
I was really getting woried...most of the security concerns raised by listers are the very same ones traditional banks raised against MPESA a few years ago. Luckily, the regulators then ignored them otherwise the global story of MPESA may never have been told let alone celebrated.
Folks, I am NOT saying there is NO issue with thin-SIM. There are, but I worry when we sound defeatist and perhaps scared to open a new story of mobile money. If Kenyans can't do, no one else in the world will.
Lets bring out the concerns, but with a view to resolving them rather than running away from them.
walu. shared secret: as an info-security professional, I was so paranoid about MPESA that I ended being what strategy books call - Laggards or more politely Late adopters. For years I was quite paralysed with my security analysis (analytic paralysis syndrome) and could dare not sign up. Eventually ofcourse I grudgingly signed up - but still get shivers when am sending that mobile money :-)
-------------------------------------------- On Wed, 9/17/14, Martin Gicheru via kictanet < kictanet@lists.kictanet.or.ke> wrote:
Subject: Re: [kictanet] Equity Bank vs Safaricom :-Round 2 To: jwalu@yahoo.com Date: Wednesday, September 17, 2014, 2:00 PM
@Dennis: I don't see Equity Bank worried that they may be exposing consumers in the way you just presented, and this has not come out yet in an argument before. You realize that the same bank account has been accessible on the mobile phone via USSD shortcodes that most of these banks have that they call "mobile banking". On Wed, Sep 17, 2014 at 1:33 PM, Collins Areba via kictanet <kictanet@lists.kictanet.or.ke> wrote: Come to think of this, Would this lead to a rise in Handset Locking to network under plans much like AT&T does elsewhere? Leading to a change in business model from exclusively traditional Prepay to Device Lock in. Or does the regulator intend to block the larger companies from doing this too?
On Wed, Sep 17, 2014 at 1:28 PM, Dennis Kioko via kictanet <kictanet@lists.kictanet.or.ke> wrote: 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> 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> 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> wrote:
Subject: Re: [kictanet] Fw: Equity Bank vs Safaricom :-Round 2
To: 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>
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>
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:
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>
wrote:
resting
discussion on where mobile baking is going....
With
best wishes,
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:
@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>
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/-/11d48l...
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The Kenya
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and involved in ICT policy and regulation. The
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Regards,
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Areba,
P.O Box 44441,
00100
Nairobi, Kenya.
Tel: +254 707 750 788 / 720
516
758
Twitter: @arebacollins.
Skype: arebacollins
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flame or abuse or personalize, respect
privacy, do not spam, do not market your
wares or
qualifications.
-----Inline
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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.
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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.
_______________________________________________
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Unsubscribe or change your options at https://lists.kictanet.or.ke/mailman/options/kictanet/dogwallah%40gmail.com
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.
--
Cheers,
McTim
"A name indicates
what we seek. An address indicates where it is. A route
indicates how we get there." Jon Postel
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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.
--
Ahmed Maawy
Shaper - Global
Shapers
Executive Director - M-Power
(CBO)
Ambassador - Open Knowledge
CTO - D8A, Appfrica Labs
(KE)
+254 714 960 627
Skype: ultimateprogramer
www.globalshapers.org
www.okfn.org
www.d8a.com
www.appfrica.com
www.apps4africa.org
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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
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Unsubscribe or change your options at https://lists.kictanet.or.ke/mailman/options/kictanet/harry26001%40gmail.com
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.
-----Inline Attachment Follows-----
_______________________________________________
kictanet mailing list
kictanet@lists.kictanet.or.ke
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Unsubscribe or change your
options at https://lists.kictanet.or.ke/mailman/options/kictanet/jwalu%40yahoo.com
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
kictanet@lists.kictanet.or.ke
https://lists.kictanet.or.ke/mailman/listinfo/kictanet
Unsubscribe or change your options at https://lists.kictanet.or.ke/mailman/options/kictanet/arebacollins%40gmail.c...
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.
-- Regards,
Collins Areba, P.O Box 44441, 00100 Nairobi, Kenya. Tel: +254 707 750 788 / 720 516 758 Twitter: @arebacollins. Skype: arebacollins
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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.
-- with Regards: blog.denniskioko.com
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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.
-- Regards,
Collins Areba, P.O Box 44441, 00100 Nairobi, Kenya. Tel: +254 707 750 788 / 720 516 758 Twitter: @arebacollins. Skype: arebacollins
_______________________________________________
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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.
-----Inline Attachment Follows-----
_______________________________________________ kictanet mailing list kictanet@lists.kictanet.or.ke https://lists.kictanet.or.ke/mailman/listinfo/kictanet
Unsubscribe or change your options at https://lists.kictanet.or.ke/mailman/options/kictanet/jwalu%40yahoo.com
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 kictanet@lists.kictanet.or.ke https://lists.kictanet.or.ke/mailman/listinfo/kictanet
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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.
participants (19)
-
Ahmed Mohamed Maawy -
Ali Hussein -
Anthony Kiarie -
Aquinas Wasike -
Bernard Kioko -
Collins Areba -
Consumers Federation of Kenya (COFEK) -
Dennis Kioko -
Harry Delano -
John Masiwe -
K Machuhi -
Kamotho Njenga -
Mark Kipyegon -
Mark Mwangi -
Martin Gicheru -
McTim -
Mwendwa Kivuva -
Sophia Bekele -
Walubengo J