Equity says M-Pesa lines should be open
@Ali, Funny how Equity is thinking like me below...exactly my idea about "unbundling" MPESA. It should be "open-access" and I dont see how that would affect Safcom intellectual property rights to MPESA. It as about inter-operability - think "Mobile Phone Inter-connection" agreements where competing operators interconnect at a fee that is settled regularly. Perhaps if this open-access model to MPESA was available, we would not have Posta-Kenya trying to re-invent the wheel and CS Matiangi /Govt trying to create another monopoly in this space. walu. ~~~ Read on.. Equity Bank has hit criticised Safaricom over its continued refusal to open up the M-Pesa platform to enable its users transact business with other mobile money networks. The commercial bank said this has kept the cost of mobile money transaction high and may hinder further growth in the mobile commerce in Kenya. Equity Bank joins the other mobile operators, Airtel and Essar Telecom, who have been pushing for cross network operations in mobile money business. "Financial services by nature should be inter-operable,” said John Staley, chief officer for finance, innovation and technology at Equity. "Kenya has not seen much of this as one of the operators has tried as much as possible to be on a closed loop,"Stanley said. From.. http://www.the-star.co.ke/news/article-130261/equity-says-m-pesa-lines-shoul...
"Open access" is a loaded word ...does anyone out there knows the architecture of mpesa platform? If yes does it supports universal standards?...For all we know, you may be asking too much of safaricom. On Aug 1, 2013 5:32 AM, "Walubengo J" <jwalu@yahoo.com> wrote:
@Ali,
Funny how Equity is thinking like me below...exactly my idea about "unbundling" MPESA. It should be "open-access" and I dont see how that would affect Safcom intellectual property rights to MPESA. It as about inter-operability - think "Mobile Phone Inter-connection" agreements where competing operators interconnect at a fee that is settled regularly.
Perhaps if this open-access model to MPESA was available, we would not have Posta-Kenya trying to re-invent the wheel and CS Matiangi /Govt trying to create another monopoly in this space.
walu. ~~~ Read on..
Equity Bank has hit criticised Safaricom over its continued refusal to open up the M-Pesa platform to enable its users transact business with other mobile money networks. The commercial bank said this has kept the cost of mobile money transaction high and may hinder further growth in the mobile commerce in Kenya.
Equity Bank joins the other mobile operators, Airtel and Essar Telecom, who have been pushing for cross network operations in mobile money business. "Financial services by nature should be inter-operable,” said John Staley, chief officer for finance, innovation and technology at Equity. "Kenya has not seen much of this as one of the operators has tried as much as possible to be on a closed loop,"Stanley said.
From..
http://www.the-star.co.ke/news/article-130261/equity-says-m-pesa-lines-shoul...
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I tend to think that the openness in question here is here is not about technology but processes. On Thu, Aug 1, 2013 at 2:29 PM, Ngeno,Titus <titus.ngeno@gmail.com> wrote:
"Open access" is a loaded word ...does anyone out there knows the architecture of mpesa platform? If yes does it supports universal standards?...For all we know, you may be asking too much of safaricom. On Aug 1, 2013 5:32 AM, "Walubengo J" <jwalu@yahoo.com> wrote:
@Ali,
Funny how Equity is thinking like me below...exactly my idea about "unbundling" MPESA. It should be "open-access" and I dont see how that would affect Safcom intellectual property rights to MPESA. It as about inter-operability - think "Mobile Phone Inter-connection" agreements where competing operators interconnect at a fee that is settled regularly.
Perhaps if this open-access model to MPESA was available, we would not have Posta-Kenya trying to re-invent the wheel and CS Matiangi /Govt trying to create another monopoly in this space.
walu. ~~~ Read on..
Equity Bank has hit criticised Safaricom over its continued refusal to open up the M-Pesa platform to enable its users transact business with other mobile money networks. The commercial bank said this has kept the cost of mobile money transaction high and may hinder further growth in the mobile commerce in Kenya.
Equity Bank joins the other mobile operators, Airtel and Essar Telecom, who have been pushing for cross network operations in mobile money business. "Financial services by nature should be inter-operable,” said John Staley, chief officer for finance, innovation and technology at Equity. "Kenya has not seen much of this as one of the operators has tried as much as possible to be on a closed loop,"Stanley said.
From..
http://www.the-star.co.ke/news/article-130261/equity-says-m-pesa-lines-shoul...
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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.
-- *---------------------------------------------------- Kind Regards, Evans Ikua,* lanetconsulting.com, lpi-eastafrica.org, ict-innovation.fossfa.net, Skype: @ikuae Cell: +254-722-955831
The openness in question here is the Mpesa Dealer Network. Sent from my BlackBerry® -----Original Message----- From: Evans Ikua <ikua.evans@gmail.com> Sender: "kictanet" <kictanet-bounces+snjoro45=gmail.com@lists.kictanet.or.ke>Date: Thu, 1 Aug 2013 14:57:53 To: Simon<snjoro45@gmail.com> Cc: KICTAnet ICT Policy Discussions<kictanet@lists.kictanet.or.ke> Subject: Re: [kictanet] Equity says M-Pesa lines should be open _______________________________________________ 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/snjoro45%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.
@Njoro You put the nail on the head!! @Walu, I have no problem with open standards. I did say that if its technology there are other offerings in the market better than Mpesa. The point is that MPESA is an ecosystem painstakingly built over many years. Surely you don't expect Safaricom to just hand that over do you? Kioko alluded to it when he asked whether Equity is willing to share its network? Lets get this straight. Safaricom is already sharing (sort of). Ask the different local Payment Gateways whether they have integrated MPesa into their systems. The interoperability issue is very pertinent but it usually takes more than one enterprise. It takes am industry and I'm not surprised if Safaricom is unwilling to open its Crown Jewels for others to exploit - irrespective of whether it makes economic sense or not. Ali Hussein CEO | 3mice interactive media Ltd Principal | Telemedia Africa Ltd +254 713 601113/ 0770 906375 "The future belongs to him who knows how to wait." - Russian Proverb Sent from my iPad On Aug 1, 2013, at 3:15 PM, snjoro45@gmail.com wrote:
The openness in question here is the Mpesa Dealer Network.
Sent from my BlackBerry®
-----Original Message----- From: Evans Ikua <ikua.evans@gmail.com> Sender: "kictanet" <kictanet-bounces+snjoro45=gmail.com@lists.kictanet.or.ke>Date: Thu, 1 Aug 2013 14:57:53 To: Simon<snjoro45@gmail.com> Cc: KICTAnet ICT Policy Discussions<kictanet@lists.kictanet.or.ke> Subject: Re: [kictanet] Equity says M-Pesa lines should be open
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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. _______________________________________________ kictanet mailing list kictanet@lists.kictanet.or.ke https://lists.kictanet.or.ke/mailman/listinfo/kictanet
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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.
Well side Ali. This is plain mischief from the part of Equity bank. Since there are better options out there than MPESA, why does Equity want Safaricom to share it's cake? Innovation and building an ecosystem takes years of painstaking work, sacrifice and investment. Equity is trying to push a mountain. I don't see Safaricom/Vodafone shareholders even considering the option of opening up the platform. -- ______________________ Mwendwa Kivuva twitter.com/lordmwesh kenya.or.ke | The Kenya we know
Very true Hussein. On Thu, Aug 1, 2013 at 10:33 PM, Kivuva <Kivuva@transworldafrica.com> wrote:
Well side Ali. This is plain mischief from the part of Equity bank. Since there are better options out there than MPESA, why does Equity want Safaricom to share it's cake? Innovation and building an ecosystem takes years of painstaking work, sacrifice and investment. Equity is trying to push a mountain. I don't see Safaricom/Vodafone shareholders even considering the option of opening up the platform.
-- ______________________ Mwendwa Kivuva twitter.com/lordmwesh kenya.or.ke | The Kenya we know
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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.
-- *---------------------------------------------------- Kind Regards, Evans Ikua,* lanetconsulting.com, lpi-eastafrica.org, ict-innovation.fossfa.net, Skype: @ikuae Cell: +254-722-955831
Hi apart from sharing the MPESA platform. It would also be better if credit scratch cards are controlled and shared one for all. In this case if i am using orange line in the wilderness of north eastern and the only available credit scratch card is airtel or yu, then i need nopt worry since i can also trop up using them. Regards Meshack ________________________________ From: Kivuva <Kivuva@transworldafrica.com> To: memakunat@yahoo.com Cc: KICTAnet ICT Policy Discussions <kictanet@lists.kictanet.or.ke> Sent: Thursday, August 1, 2013 10:33 PM Subject: Re: [kictanet] Equity says M-Pesa lines should be open Well side Ali. This is plain mischief from the part of Equity bank. Since there are better options out there than MPESA, why does Equity want Safaricom to share it's cake? Innovation and building an ecosystem takes years of painstaking work, sacrifice and investment. Equity is trying to push a mountain. I don't see Safaricom/Vodafone shareholders even considering the option of opening up the platform. -- ______________________ Mwendwa Kivuva twitter.com/lordmwesh kenya.or.ke | The Kenya we know _______________________________________________ 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/memakunat%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.
I thought there was already open access: you send money from Mpesa to another network and they go to an Mpesa agent and collect the cash, you send from Airtel to a safaricom subscriber and they go to an airtel agent and collect the cash. What else do they want? Send from Airtel to safaricom and reflect on Mpesa account balance.... Or is it load Airtel airtime into safaricom and use safaricom services for it.... On Fri, Aug 2, 2013 at 10:58 AM, meshack emakunat <memakunat@yahoo.com> wrote:
Hi apart from sharing the MPESA platform. It would also be better if credit scratch cards are controlled and shared one for all. In this case if i am using orange line in the wilderness of north eastern and the only available credit scratch card is airtel or yu, then i need nopt worry since i can also trop up using them.
Regards Meshack
________________________________ From: Kivuva <Kivuva@transworldafrica.com> To: memakunat@yahoo.com Cc: KICTAnet ICT Policy Discussions <kictanet@lists.kictanet.or.ke> Sent: Thursday, August 1, 2013 10:33 PM
Subject: Re: [kictanet] Equity says M-Pesa lines should be open
Well side Ali. This is plain mischief from the part of Equity bank. Since there are better options out there than MPESA, why does Equity want Safaricom to share it's cake? Innovation and building an ecosystem takes years of painstaking work, sacrifice and investment. Equity is trying to push a mountain. I don't see Safaricom/Vodafone shareholders even considering the option of opening up the platform.
-- ______________________ Mwendwa Kivuva twitter.com/lordmwesh kenya.or.ke | The Kenya we know
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-- “The twentieth century has been characterized by three developments of great political importance: the growth of democracy, the growth of corporate power, and the growth of corporate propaganda as a means of protecting corporate power against democracy”
Is equity working one opening us their banking system just like they are asking M-PESA to do? Kind Regards, Bernard Kioko Chief Executive Officer Bernsoft Interactive Limited P.O.Box 15177-00100 Nbi,Kenya Office: +254-703-080-000 Mobile: +254-722-540-883 From: kictanet [mailto:kictanet-bounces+bkioko=bernsoft.com@lists.kictanet.or.ke] On Behalf Of Ngeno,Titus Sent: Thursday, August 01, 2013 2:30 PM To: bkioko@bernsoft.com Cc: KICTAnet ICT Policy Discussions Subject: Re: [kictanet] Equity says M-Pesa lines should be open "Open access" is a loaded word ...does anyone out there knows the architecture of mpesa platform? If yes does it supports universal standards?...For all we know, you may be asking too much of safaricom. On Aug 1, 2013 5:32 AM, "Walubengo J" <jwalu@yahoo.com> wrote: @Ali, Funny how Equity is thinking like me below...exactly my idea about "unbundling" MPESA. It should be "open-access" and I dont see how that would affect Safcom intellectual property rights to MPESA. It as about inter-operability - think "Mobile Phone Inter-connection" agreements where competing operators interconnect at a fee that is settled regularly. Perhaps if this open-access model to MPESA was available, we would not have Posta-Kenya trying to re-invent the wheel and CS Matiangi /Govt trying to create another monopoly in this space. walu. ~~~ Read on.. Equity Bank has hit criticised Safaricom over its continued refusal to open up the M-Pesa platform to enable its users transact business with other mobile money networks. The commercial bank said this has kept the cost of mobile money transaction high and may hinder further growth in the mobile commerce in Kenya. Equity Bank joins the other mobile operators, Airtel and Essar Telecom, who have been pushing for cross network operations in mobile money business. "Financial services by nature should be inter-operable," said John Staley, chief officer for finance, innovation and technology at Equity. "Kenya has not seen much of this as one of the operators has tried as much as possible to be on a closed loop,"Stanley said. From.. http://www.the-star.co.ke/news/article-130261/equity-says-m-pesa-lines-shoul d-be-open _______________________________________________ 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/titus.ngeno%40gmail.co m 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.
Sorry my last message had typos: Is Equity working on opening up their banking systems in the same way they are asking Safaricom to do regarding MPESA or is this a one way request? Kind Regards, Bernard Kioko Chief Executive Officer Bernsoft Interactive Limited P.O.Box 15177-00100 Nbi,Kenya Office: +254-703-080-000 Mobile: +254-722-540-883 From: kictanet [mailto:kictanet-bounces+bkioko=bernsoft.com@lists.kictanet.or.ke] On Behalf Of Ngeno,Titus Sent: Thursday, August 01, 2013 2:30 PM To: bkioko@bernsoft.com Cc: KICTAnet ICT Policy Discussions Subject: Re: [kictanet] Equity says M-Pesa lines should be open "Open access" is a loaded word ...does anyone out there knows the architecture of mpesa platform? If yes does it supports universal standards?...For all we know, you may be asking too much of safaricom. On Aug 1, 2013 5:32 AM, "Walubengo J" <jwalu@yahoo.com> wrote: @Ali, Funny how Equity is thinking like me below...exactly my idea about "unbundling" MPESA. It should be "open-access" and I dont see how that would affect Safcom intellectual property rights to MPESA. It as about inter-operability - think "Mobile Phone Inter-connection" agreements where competing operators interconnect at a fee that is settled regularly. Perhaps if this open-access model to MPESA was available, we would not have Posta-Kenya trying to re-invent the wheel and CS Matiangi /Govt trying to create another monopoly in this space. walu. ~~~ Read on.. Equity Bank has hit criticised Safaricom over its continued refusal to open up the M-Pesa platform to enable its users transact business with other mobile money networks. The commercial bank said this has kept the cost of mobile money transaction high and may hinder further growth in the mobile commerce in Kenya. Equity Bank joins the other mobile operators, Airtel and Essar Telecom, who have been pushing for cross network operations in mobile money business. "Financial services by nature should be inter-operable," said John Staley, chief officer for finance, innovation and technology at Equity. "Kenya has not seen much of this as one of the operators has tried as much as possible to be on a closed loop,"Stanley said. From.. http://www.the-star.co.ke/news/article-130261/equity-says-m-pesa-lines-shoul d-be-open _______________________________________________ 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/titus.ngeno%40gmail.co m 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 (9)
-
Ali Hussein -
Bernard Kioko [Bernsoft Interactive Limited] -
Collins Areba | Tel +254 707 750 788 | twitter ＠brainiacKE -
Evans Ikua -
Kivuva -
meshack emakunat -
Ngeno,Titus -
snjoro45＠gmail.com -
Walubengo J