Re: [kictanet] Equity says M-Pesa lines should be open
Andrea, You mean to say that if I go to an Mpesa outlet in a remote location such as Nyamira on a Sunday evening, I can deposit money into my friend's Visa/Mastercard to get me an Eagles T-shirt from Philly without the need for me to have a safcom line or go to a bank? If so, then my suggestion is time barred, otherwise, that is the kind of innovation I meant Edwin -----Original Message----- From: kictanet [mailto:kictanet-bounces+eonchari=lynxbits.com@lists.kictanet.or.ke] On Behalf Of kictanet-request@lists.kictanet.or.ke Sent: Tuesday, August 06, 2013 3:54 PM To: Edwin Subject: kictanet Digest, Vol 75, Issue 21 Send kictanet mailing list submissions to kictanet@lists.kictanet.or.ke To subscribe or unsubscribe via the World Wide Web, visit https://lists.kictanet.or.ke/mailman/listinfo/kictanet or, via email, send a message with subject or body 'help' to kictanet-request@lists.kictanet.or.ke You can reach the person managing the list at kictanet-owner@lists.kictanet.or.ke When replying, please edit your Subject line so it is more specific than "Re: Contents of kictanet digest..." Today's Topics: 1. Re: Equity says M-Pesa lines should be open (Andrea Bohnstedt) ---------------------------------------------------------------------- Message: 1 Date: Tue, 6 Aug 2013 15:53:46 +0300 From: Andrea Bohnstedt <andrea.bohnstedt@ratio-magazine.com> To: Edwin Onchari <eonchari@lynxbits.com> Cc: KICTAnet ICT Policy Discussions <kictanet@lists.kictanet.or.ke> Subject: Re: [kictanet] Equity says M-Pesa lines should be open Message-ID: <CAFaobUCDn=RuA-ih6nmd-rp5Ji10X32Lonp9shYDYnKbRCnxaQ@mail.gmail.com> Content-Type: text/plain; charset="iso-8859-1" Safaricom/Visa co-operation was launched in early 2011, so shop away in Helsinki! On 6 August 2013 15:50, Edwin Onchari <eonchari@lynxbits.com> wrote:
As many have pointed out, opening up Mpesa will benefit Safcom in the long run. As some have quoted the case of AT&T, if Safcom were to open up Mpesa, and may I suggest even setup Mpesa as a separate organization, the growth will enormous. I can foresee a scenario where the platform will penetrate the market segments that have eluded other electronic money transfer providers such as Visa/Mastercard- or even have
collaborations with them. > Imagine having someone deposit money into my Mpesa account in Nyamira- > Kenya and be able to use my visa card at a shop in Helsinki! I only > see benefits accruing to Safcom on this > > Kind regards, > Edwin > > -----Original Message----- > From: kictanet > [mailto:kictanet-bounces+eonchari=lynxbits.com@lists.kictanet.or.ke] > On Behalf Of kictanet-request@lists.kictanet.or.ke > Sent: Tuesday, August 06, 2013 12:54 PM > To: Edwin > Subject: kictanet Digest, Vol 75, Issue 17 > > Send kictanet mailing list submissions to > kictanet@lists.kictanet.or.ke > > To subscribe or unsubscribe via the World Wide Web, visit > https://lists.kictanet.or.ke/mailman/listinfo/kictanet > or, via email, send a message with subject or body 'help' to > kictanet-request@lists.kictanet.or.ke > > You can reach the person managing the list at > kictanet-owner@lists.kictanet.or.ke > > When replying, please edit your Subject line so it is more specific > than > "Re: Contents of kictanet digest..." > > > Today's Topics: > > 1. Re: [ISOC_KE] Fwd: [IRPCoalition] will happen - IGF Bali > (Ali Hussein) > 2. Re: Equity says M-Pesa lines should be open (Ali Hussein) > > > ---------------------------------------------------------------------- > > Message: 1 > Date: Tue, 6 Aug 2013 12:27:49 +0300 > From: Ali Hussein <ali@hussein.me.ke> > To: "Grace Mutung'u (Bomu)" <nmutungu@gmail.com> > Cc: KICTAnet ICT Policy Discussions <kictanet@lists.kictanet.or.ke>, > "isoc@orion.my.co.ke" <isoc@orion.my.co.ke> > Subject: Re: [kictanet] [ISOC_KE] Fwd: [IRPCoalition] will happen - > IGF Bali > Message-ID: <3CDA412A-EE1C-469C-B0D3-5020B77FB4F1@hussein.me.ke> > Content-Type: text/plain; charset="us-ascii" > > :) > > Thanks > > 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 6, 2013, at 9:29 AM, "Grace Mutung'u (Bomu)" > <nmutungu@gmail.com> > wrote: > > > Thats Indonesian (I think) > > You can get it translated on Google Translate...but the gist of it > > is > that > the local organising committee has confirmed that IGF will happen as > scheduled. > > Thanks! > > > > > > 2013/8/5 Ali Hussein <ali@hussein.me.ke> > >> Yawa Grace! :) > >> > >> Na hio ni lugha gain? > >> > >> 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 5, 2013, at 3:55 PM, "Grace Mutung'u (Bomu)" > >> <nmutungu@gmail.com > > > wrote: > >> > >>> > >>> > >>> Forwarded Message: > >>> > >>> Just got this news from a friend that its now official that IGF > >>> Bali > will be organized as planned. > >>> > >>> http://m.kominfo.go.id/berita/detail/4095/Siaran+Pers+No.+61-PIH-K > >>> OM > >>> INFO-8-2013+tentang+Indonesia+Bersama+Komunitas+Internet+Multi-Sta > >>> INFO-8-2013+tentang+Indonesia+Bersama+Komunitas+Internet+ke > >>> holder+Global+Siap+Menjadi+Tuan+Rumah+IGF+2013+-+Bali > >>> > >>> Congratulations everyone, who have been working very hard behind > >>> the > scenes to make it happen. > >>> > >>> More power to you all, > >>> > >>> Best wishes and regards > >>> Shahzad > >>> > >>> > >>> > >>> > >>> -- > >>> Carolina Rossini > >>> Project Director, Latin America Resource Center Open Technology > >>> Institute New America Foundation // http://carolinarossini.net/ > >>> + 1 6176979389 > >>> *carolina.rossini@gmail.com* > >>> skype: carolrossini > >>> @carolinarossini > >>> > >>> > >>> _______________________________________________ > >>> IRP mailing list > >>> IRP@lists.internetrightsandprinciples.org > >>> http://lists.internetrightsandprinciples.org/cgi-bin/mailman/listi > >>> nf > >>> o/irp > >>> > >>> > >>> > >>> > >>> -- > >>> Grace L.N. Mutung'u (Bomu) > >>> Kenya > >>> Skype: gracebomu > >>> Twitter: @Bomu > >>> Website: > >>> http://www.diplointernetgovernance.org/profile/GraceMutungu > >>> _______________________________________________ > >>> isoc mailing list > >>> isoc@orion.my.co.ke > >>> http://orion.my.co.ke/cgi-bin/mailman/listinfo/isoc > > > > > > > > -- > > Grace L.N. Mutung'u (Bomu) > > Kenya > > Skype: gracebomu > > Twitter: @Bomu > > Website: http://www.diplointernetgovernance.org/profile/GraceMutungu > -------------- next part -------------- An HTML attachment was > scrubbed... > URL: > < > https://lists.kictanet.or.ke/pipermail/kictanet/attachments/20130806/f > 38f9d > ec/attachment-0001.html> > > ------------------------------ > > Message: 2 > Date: Tue, 6 Aug 2013 12:46:31 +0300 > From: Ali Hussein <ali@hussein.me.ke> > To: James Mbugua <jgmbugua@gmail.com> > Cc: KICTAnet ICT Policy Discussions <kictanet@lists.kictanet.or.ke> > Subject: Re: [kictanet] Equity says M-Pesa lines should be open > Message-ID: <0126DB5E-5E6E-479E-B7ED-5CB6473C6925@hussein.me.ke> > Content-Type: text/plain; charset="us-ascii" > > James ad all > > Well put. The difference though is that industry's open up themselves > for open standards. Rarely do companies. > > Its incumbent upon TESPOK to convince Safaricom to open up its Mpesa > system 'fully' as many listers have suggested. The fact is that the > Safaricom chaps are clever enough to see this coming (and if they are > not unfortunately they will go the way of Telkom Kenya). > > Rarely has government intervention in open standards helped the people > they are supposed to help. Even the Banking sector clearing house is > run by Bankers with the hawkish eyes of central bankers looking on. > > Safaricom will open up Mpesa fully - when they are good and ready and > not a moment sooner. That's my take. > > 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 6, 2013, at 11:15 AM, James Mbugua <jgmbugua@gmail.com> wrote: > > > Openness > > > > I have always felt very strongly about this issue and I agree M-PESA > should be open. I used to barge Michael Joseph relentlessly about this. > Open > first in the sense that third parties can interface their products on > their API but secondly and more importantly, open to talk to other > platforms the way banks talk to each other. I can withdraw money from > Pesa Point or another non-Barclays quite easily. > > > > The fact is we cannot let platforms that stifle innovation continue > > to > prosper. AT&T was finally split up in 1984 not because of its > overwhelming market dominance, but that IT WAS REFUSING TO ALLOW NEW > INNOVATIONS TO WORK ON ITS PLATFORMS thus overall stifling technology. > > > > In the same way, this is not a sustainable position for M-PESA if it > projects its medium to long-term horizon, surely it must see that even > the government will not be comfortable constantly hearing that this % > of our GDP passes through M-PESA. > > > > If I was Safaricom I would be strategizing on how to open up the > > platform > as painlessly as possible before the combination of disruptive market > forces and government national security interests converge. > > > > Already I can deposit money into my bank account with M-PESA and > > withdraw > it with Airtel Money. Surely, you don't need to be a genius to see > that you don't need that middle man called the bank if the demand for > the service is there. > > > > Regards > > > > James > > > > > > On Tue, Aug 6, 2013 at 9:15 AM, Mark Mwangi <mwangy@gmail.com> wrote: > >> In my opinion what Equity is asking for is for a common platform > >> aka a > common account that can be credited and debited by airtel money, yu > cash orange money, tangaza etc in the manner that a visa credit card > is open game for any merchant, bank etc. This way M-pesa becomes a > platform and not a safaricom product. > >> > >> I actually don't see how Safaricom looses in this scenario. > Exponentially > more transaction fee collections, Increased dependence by industry > players, maintain the intellectual property and ownership of the platform etc. > >> > >> Maybe they are reluctant due to technological immaturity. I also > wouldn't > want to embarrass myself after being feted worldwide. > >> > >> > >> On Mon, Aug 5, 2013 at 8:31 PM, Kivuva > >> <Kivuva@transworldafrica.com> > wrote: > >>> @areba, what Equity wants, if I'm not wrong is the ability for you > >>> to setup a club within MPESA where you can use the platform to > >>> transfer funds without them passing through Safaricom. > >>> > >>> The MPESA platform becomes an enabler. Unless anybody else has a > >>> better understanding. > >>> > >>> -- > >>> ______________________ > >>> 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/mwangy%40gma > >>> il > >>> .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. > >> > >> > >> > >> -- > >> Regards, > >> > >> Mark Mwangi > >> > >> markmwangi.me.ke > >> > >> > >> > >> > >> > >> _______________________________________________ > >> 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/jgmbugua%40gm > >> ai > >> l.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/info%40alyhuss > > ei > > n.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. > -------------- next part -------------- An HTML attachment was > scrubbed... > URL: > < > https://lists.kictanet.or.ke/pipermail/kictanet/attachments/20130806/e > 4a57b > 51/attachment.html> > > ------------------------------ > > Subject: Digest Footer > > _______________________________________________ > kictanet mailing list > kictanet@lists.kictanet.or.ke > https://lists.kictanet.or.ke/mailman/listinfo/kictanet > > > ------------------------------ > > End of kictanet Digest, Vol 75, Issue 17 > **************************************** > > > _______________________________________________ > 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/andrea.bohnstedt > %40ratio-magazine.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. >
-- Andrea Bohnstedt <http://ke.linkedin.com/in/andreabohnstedt> Publisher www.ratio-magazine.com www.africa-assets.com
Edwin, Even before Andrea answers, I need to politely ask, why is this a Safaricom issue really? YOu or someone could create this system - innovate. MPESA is open enough to allow for this. Infact, I&M Bank have this service running with MPESA today. If you mpesa any amount to paybill 510510 and enter my I&M visa card number, that amount will reflect on my visa account and I can shop worldwide with it. Kind Regards, Bernard Kioko -----Original Message----- From: kictanet [mailto:kictanet-bounces+bkioko=bernsoft.com@lists.kictanet.or.ke] On Behalf Of Edwin Onchari Sent: Tuesday, August 06, 2013 4:12 PM To: bkioko@bernsoft.com Cc: KICTAnet ICT Policy Discussions Subject: Re: [kictanet] Equity says M-Pesa lines should be open Andrea, You mean to say that if I go to an Mpesa outlet in a remote location such as Nyamira on a Sunday evening, I can deposit money into my friend's Visa/Mastercard to get me an Eagles T-shirt from Philly without the need for me to have a safcom line or go to a bank? If so, then my suggestion is time barred, otherwise, that is the kind of innovation I meant Edwin -----Original Message----- From: kictanet [mailto:kictanet-bounces+eonchari=lynxbits.com@lists.kictanet.or.ke] On Behalf Of kictanet-request@lists.kictanet.or.ke Sent: Tuesday, August 06, 2013 3:54 PM To: Edwin Subject: kictanet Digest, Vol 75, Issue 21 Send kictanet mailing list submissions to kictanet@lists.kictanet.or.ke To subscribe or unsubscribe via the World Wide Web, visit https://lists.kictanet.or.ke/mailman/listinfo/kictanet or, via email, send a message with subject or body 'help' to kictanet-request@lists.kictanet.or.ke You can reach the person managing the list at kictanet-owner@lists.kictanet.or.ke When replying, please edit your Subject line so it is more specific than "Re: Contents of kictanet digest..." Today's Topics: 1. Re: Equity says M-Pesa lines should be open (Andrea Bohnstedt) ---------------------------------------------------------------------- Message: 1 Date: Tue, 6 Aug 2013 15:53:46 +0300 From: Andrea Bohnstedt <andrea.bohnstedt@ratio-magazine.com> To: Edwin Onchari <eonchari@lynxbits.com> Cc: KICTAnet ICT Policy Discussions <kictanet@lists.kictanet.or.ke> Subject: Re: [kictanet] Equity says M-Pesa lines should be open Message-ID: <CAFaobUCDn=RuA-ih6nmd-rp5Ji10X32Lonp9shYDYnKbRCnxaQ@mail.gmail.com> Content-Type: text/plain; charset="iso-8859-1" Safaricom/Visa co-operation was launched in early 2011, so shop away in Helsinki! On 6 August 2013 15:50, Edwin Onchari <eonchari@lynxbits.com> wrote:
As many have pointed out, opening up Mpesa will benefit Safcom in the long run. As some have quoted the case of AT&T, if Safcom were to open up Mpesa, and may I suggest even setup Mpesa as a separate organization, the growth will enormous. I can foresee a scenario where the platform will penetrate the market segments that have eluded other electronic money transfer providers such as Visa/Mastercard- or even have
collaborations with them. > Imagine having someone deposit money into my Mpesa account in Nyamira- > Kenya and be able to use my visa card at a shop in Helsinki! I only > see benefits accruing to Safcom on this > > Kind regards, > Edwin > > -----Original Message----- > From: kictanet > [mailto:kictanet-bounces+eonchari=lynxbits.com@lists.kictanet.or.ke] > On Behalf Of kictanet-request@lists.kictanet.or.ke > Sent: Tuesday, August 06, 2013 12:54 PM > To: Edwin > Subject: kictanet Digest, Vol 75, Issue 17 > > Send kictanet mailing list submissions to > kictanet@lists.kictanet.or.ke > > To subscribe or unsubscribe via the World Wide Web, visit > https://lists.kictanet.or.ke/mailman/listinfo/kictanet > or, via email, send a message with subject or body 'help' to > kictanet-request@lists.kictanet.or.ke > > You can reach the person managing the list at > kictanet-owner@lists.kictanet.or.ke > > When replying, please edit your Subject line so it is more specific > than > "Re: Contents of kictanet digest..." > > > Today's Topics: > > 1. Re: [ISOC_KE] Fwd: [IRPCoalition] will happen - IGF Bali > (Ali Hussein) > 2. Re: Equity says M-Pesa lines should be open (Ali Hussein) > > > ---------------------------------------------------------------------- > > Message: 1 > Date: Tue, 6 Aug 2013 12:27:49 +0300 > From: Ali Hussein <ali@hussein.me.ke> > To: "Grace Mutung'u (Bomu)" <nmutungu@gmail.com> > Cc: KICTAnet ICT Policy Discussions <kictanet@lists.kictanet.or.ke>, > "isoc@orion.my.co.ke" <isoc@orion.my.co.ke> > Subject: Re: [kictanet] [ISOC_KE] Fwd: [IRPCoalition] will happen - > IGF Bali > Message-ID: <3CDA412A-EE1C-469C-B0D3-5020B77FB4F1@hussein.me.ke> > Content-Type: text/plain; charset="us-ascii" > > :) > > Thanks > > 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 6, 2013, at 9:29 AM, "Grace Mutung'u (Bomu)" > <nmutungu@gmail.com> > wrote: > > > Thats Indonesian (I think) > > You can get it translated on Google Translate...but the gist of it > > is > that > the local organising committee has confirmed that IGF will happen as > scheduled. > > Thanks! > > > > > > 2013/8/5 Ali Hussein <ali@hussein.me.ke> > >> Yawa Grace! :) > >> > >> Na hio ni lugha gain? > >> > >> 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 5, 2013, at 3:55 PM, "Grace Mutung'u (Bomu)" > >> <nmutungu@gmail.com > > > wrote: > >> > >>> > >>> > >>> Forwarded Message: > >>> > >>> Just got this news from a friend that its now official that IGF > >>> Bali > will be organized as planned. > >>> > >>> http://m.kominfo.go.id/berita/detail/4095/Siaran+Pers+No.+61-PIH-K > >>> OM > >>> INFO-8-2013+tentang+Indonesia+Bersama+Komunitas+Internet+Multi-Sta > >>> INFO-8-2013+tentang+Indonesia+Bersama+Komunitas+Internet+ke > >>> holder+Global+Siap+Menjadi+Tuan+Rumah+IGF+2013+-+Bali > >>> > >>> Congratulations everyone, who have been working very hard behind > >>> the > scenes to make it happen. > >>> > >>> More power to you all, > >>> > >>> Best wishes and regards > >>> Shahzad > >>> > >>> > >>> > >>> > >>> -- > >>> Carolina Rossini > >>> Project Director, Latin America Resource Center Open Technology > >>> Institute New America Foundation // http://carolinarossini.net/ > >>> + 1 6176979389 > >>> *carolina.rossini@gmail.com* > >>> skype: carolrossini > >>> @carolinarossini > >>> > >>> > >>> _______________________________________________ > >>> IRP mailing list > >>> IRP@lists.internetrightsandprinciples.org > >>> http://lists.internetrightsandprinciples.org/cgi-bin/mailman/listi > >>> nf > >>> o/irp > >>> > >>> > >>> > >>> > >>> -- > >>> Grace L.N. Mutung'u (Bomu) > >>> Kenya > >>> Skype: gracebomu > >>> Twitter: @Bomu > >>> Website: > >>> http://www.diplointernetgovernance.org/profile/GraceMutungu > >>> _______________________________________________ > >>> isoc mailing list > >>> isoc@orion.my.co.ke > >>> http://orion.my.co.ke/cgi-bin/mailman/listinfo/isoc > > > > > > > > -- > > Grace L.N. Mutung'u (Bomu) > > Kenya > > Skype: gracebomu > > Twitter: @Bomu > > Website: http://www.diplointernetgovernance.org/profile/GraceMutungu > -------------- next part -------------- An HTML attachment was > scrubbed... > URL: > < > https://lists.kictanet.or.ke/pipermail/kictanet/attachments/20130806/f > 38f9d > ec/attachment-0001.html> > > ------------------------------ > > Message: 2 > Date: Tue, 6 Aug 2013 12:46:31 +0300 > From: Ali Hussein <ali@hussein.me.ke> > To: James Mbugua <jgmbugua@gmail.com> > Cc: KICTAnet ICT Policy Discussions <kictanet@lists.kictanet.or.ke> > Subject: Re: [kictanet] Equity says M-Pesa lines should be open > Message-ID: <0126DB5E-5E6E-479E-B7ED-5CB6473C6925@hussein.me.ke> > Content-Type: text/plain; charset="us-ascii" > > James ad all > > Well put. The difference though is that industry's open up themselves > for open standards. Rarely do companies. > > Its incumbent upon TESPOK to convince Safaricom to open up its Mpesa > system 'fully' as many listers have suggested. The fact is that the > Safaricom chaps are clever enough to see this coming (and if they are > not unfortunately they will go the way of Telkom Kenya). > > Rarely has government intervention in open standards helped the people > they are supposed to help. Even the Banking sector clearing house is > run by Bankers with the hawkish eyes of central bankers looking on. > > Safaricom will open up Mpesa fully - when they are good and ready and > not a moment sooner. That's my take. > > 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 6, 2013, at 11:15 AM, James Mbugua <jgmbugua@gmail.com> wrote: > > > Openness > > > > I have always felt very strongly about this issue and I agree M-PESA > should be open. I used to barge Michael Joseph relentlessly about this. > Open > first in the sense that third parties can interface their products on > their API but secondly and more importantly, open to talk to other > platforms the way banks talk to each other. I can withdraw money from > Pesa Point or another non-Barclays quite easily. > > > > The fact is we cannot let platforms that stifle innovation continue > > to > prosper. AT&T was finally split up in 1984 not because of its > overwhelming market dominance, but that IT WAS REFUSING TO ALLOW NEW > INNOVATIONS TO WORK ON ITS PLATFORMS thus overall stifling technology. > > > > In the same way, this is not a sustainable position for M-PESA if it > projects its medium to long-term horizon, surely it must see that even > the government will not be comfortable constantly hearing that this % > of our GDP passes through M-PESA. > > > > If I was Safaricom I would be strategizing on how to open up the > > platform > as painlessly as possible before the combination of disruptive market > forces and government national security interests converge. > > > > Already I can deposit money into my bank account with M-PESA and > > withdraw > it with Airtel Money. Surely, you don't need to be a genius to see > that you don't need that middle man called the bank if the demand for > the service is there. > > > > Regards > > > > James > > > > > > On Tue, Aug 6, 2013 at 9:15 AM, Mark Mwangi <mwangy@gmail.com> wrote: > >> In my opinion what Equity is asking for is for a common platform > >> aka a > common account that can be credited and debited by airtel money, yu > cash orange money, tangaza etc in the manner that a visa credit card > is open game for any merchant, bank etc. This way M-pesa becomes a > platform and not a safaricom product. > >> > >> I actually don't see how Safaricom looses in this scenario. > Exponentially > more transaction fee collections, Increased dependence by industry > players, maintain the intellectual property and ownership of the > platform etc. > >> > >> Maybe they are reluctant due to technological immaturity. I also > wouldn't > want to embarrass myself after being feted worldwide. > >> > >> > >> On Mon, Aug 5, 2013 at 8:31 PM, Kivuva > >> <Kivuva@transworldafrica.com> > wrote: > >>> @areba, what Equity wants, if I'm not wrong is the ability for you > >>> to setup a club within MPESA where you can use the platform to > >>> transfer funds without them passing through Safaricom. > >>> > >>> The MPESA platform becomes an enabler. Unless anybody else has a > >>> better understanding. > >>> > >>> -- > >>> ______________________ > >>> 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/mwangy%40gma > >>> il > >>> .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. > >> > >> > >> > >> -- > >> Regards, > >> > >> Mark Mwangi > >> > >> markmwangi.me.ke > >> > >> > >> > >> > >> > >> _______________________________________________ > >> 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/jgmbugua%40gm > >> ai > >> l.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/info%40alyhuss > > ei > > n.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. > -------------- next part -------------- An HTML attachment was > scrubbed... > URL: > < > https://lists.kictanet.or.ke/pipermail/kictanet/attachments/20130806/e > 4a57b > 51/attachment.html> > > ------------------------------ > > Subject: Digest Footer > > _______________________________________________ > kictanet mailing list > kictanet@lists.kictanet.or.ke > https://lists.kictanet.or.ke/mailman/listinfo/kictanet > > > ------------------------------ > > End of kictanet Digest, Vol 75, Issue 17 > **************************************** > > > _______________________________________________ > 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/andrea.bohnstedt > %40ratio-magazine.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. >
-- Andrea Bohnstedt <http://ke.linkedin.com/in/andreabohnstedt> Publisher www.ratio-magazine.com www.africa-assets.com
Bernard, You might have missed my points below. While the thread's subject line reads "equity..." Discussions so far have evolved to include other issues/suggestions (in my case a suggestion) on how safcom can innovate further. I am not for/against Equity's request/demand or whichever way they might have phrased it. All I said here is that if safcom were to have Mpesa standalone for instance-it would mean that I do not have to have a safcom line/hold an I&M card/account to be able to deposit money into a Mastercard/Visa - whose holder might not necessarily be an I&M customer (by the way I have an I&M card). I also said - if this is already happening, then my suggestion was time barred! So, is this already happening as I have explained? If so, then mea culpa Edwin -----Original Message----- From: Bernard Kioko [Bernsoft Interactive Limited] [mailto:bkioko@bernsoft.com] Sent: Tuesday, August 06, 2013 4:19 PM To: 'Edwin Onchari' Cc: 'KICTAnet ICT Policy Discussions' Subject: RE: [kictanet] Equity says M-Pesa lines should be open Edwin, Even before Andrea answers, I need to politely ask, why is this a Safaricom issue really? YOu or someone could create this system - innovate. MPESA is open enough to allow for this. Infact, I&M Bank have this service running with MPESA today. If you mpesa any amount to paybill 510510 and enter my I&M visa card number, that amount will reflect on my visa account and I can shop worldwide with it. Kind Regards, Bernard Kioko -----Original Message----- From: kictanet [mailto:kictanet-bounces+bkioko=bernsoft.com@lists.kictanet.or.ke] On Behalf Of Edwin Onchari Sent: Tuesday, August 06, 2013 4:12 PM To: bkioko@bernsoft.com Cc: KICTAnet ICT Policy Discussions Subject: Re: [kictanet] Equity says M-Pesa lines should be open Andrea, You mean to say that if I go to an Mpesa outlet in a remote location such as Nyamira on a Sunday evening, I can deposit money into my friend's Visa/Mastercard to get me an Eagles T-shirt from Philly without the need for me to have a safcom line or go to a bank? If so, then my suggestion is time barred, otherwise, that is the kind of innovation I meant Edwin -----Original Message----- From: kictanet [mailto:kictanet-bounces+eonchari=lynxbits.com@lists.kictanet.or.ke] On Behalf Of kictanet-request@lists.kictanet.or.ke Sent: Tuesday, August 06, 2013 3:54 PM To: Edwin Subject: kictanet Digest, Vol 75, Issue 21 Send kictanet mailing list submissions to kictanet@lists.kictanet.or.ke To subscribe or unsubscribe via the World Wide Web, visit https://lists.kictanet.or.ke/mailman/listinfo/kictanet or, via email, send a message with subject or body 'help' to kictanet-request@lists.kictanet.or.ke You can reach the person managing the list at kictanet-owner@lists.kictanet.or.ke When replying, please edit your Subject line so it is more specific than "Re: Contents of kictanet digest..." Today's Topics: 1. Re: Equity says M-Pesa lines should be open (Andrea Bohnstedt) ---------------------------------------------------------------------- Message: 1 Date: Tue, 6 Aug 2013 15:53:46 +0300 From: Andrea Bohnstedt <andrea.bohnstedt@ratio-magazine.com> To: Edwin Onchari <eonchari@lynxbits.com> Cc: KICTAnet ICT Policy Discussions <kictanet@lists.kictanet.or.ke> Subject: Re: [kictanet] Equity says M-Pesa lines should be open Message-ID: <CAFaobUCDn=RuA-ih6nmd-rp5Ji10X32Lonp9shYDYnKbRCnxaQ@mail.gmail.com> Content-Type: text/plain; charset="iso-8859-1" Safaricom/Visa co-operation was launched in early 2011, so shop away in Helsinki! On 6 August 2013 15:50, Edwin Onchari <eonchari@lynxbits.com> wrote:
As many have pointed out, opening up Mpesa will benefit Safcom in the long run. As some have quoted the case of AT&T, if Safcom were to open up Mpesa, and may I suggest even setup Mpesa as a separate organization, the growth will enormous. I can foresee a scenario where the platform will penetrate the market segments that have eluded other electronic money transfer providers such as Visa/Mastercard- or even have
collaborations with them. > Imagine having someone deposit money into my Mpesa account in Nyamira- > Kenya and be able to use my visa card at a shop in Helsinki! I only > see benefits accruing to Safcom on this > > Kind regards, > Edwin > > -----Original Message----- > From: kictanet > [mailto:kictanet-bounces+eonchari=lynxbits.com@lists.kictanet.or.ke] > On Behalf Of kictanet-request@lists.kictanet.or.ke > Sent: Tuesday, August 06, 2013 12:54 PM > To: Edwin > Subject: kictanet Digest, Vol 75, Issue 17 > > Send kictanet mailing list submissions to > kictanet@lists.kictanet.or.ke > > To subscribe or unsubscribe via the World Wide Web, visit > https://lists.kictanet.or.ke/mailman/listinfo/kictanet > or, via email, send a message with subject or body 'help' to > kictanet-request@lists.kictanet.or.ke > > You can reach the person managing the list at > kictanet-owner@lists.kictanet.or.ke > > When replying, please edit your Subject line so it is more specific > than > "Re: Contents of kictanet digest..." > > > Today's Topics: > > 1. Re: [ISOC_KE] Fwd: [IRPCoalition] will happen - IGF Bali > (Ali Hussein) > 2. Re: Equity says M-Pesa lines should be open (Ali Hussein) > > > ---------------------------------------------------------------------- > > Message: 1 > Date: Tue, 6 Aug 2013 12:27:49 +0300 > From: Ali Hussein <ali@hussein.me.ke> > To: "Grace Mutung'u (Bomu)" <nmutungu@gmail.com> > Cc: KICTAnet ICT Policy Discussions <kictanet@lists.kictanet.or.ke>, > "isoc@orion.my.co.ke" <isoc@orion.my.co.ke> > Subject: Re: [kictanet] [ISOC_KE] Fwd: [IRPCoalition] will happen - > IGF Bali > Message-ID: <3CDA412A-EE1C-469C-B0D3-5020B77FB4F1@hussein.me.ke> > Content-Type: text/plain; charset="us-ascii" > > :) > > Thanks > > 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 6, 2013, at 9:29 AM, "Grace Mutung'u (Bomu)" > <nmutungu@gmail.com> > wrote: > > > Thats Indonesian (I think) > > You can get it translated on Google Translate...but the gist of it > > is > that > the local organising committee has confirmed that IGF will happen as > scheduled. > > Thanks! > > > > > > 2013/8/5 Ali Hussein <ali@hussein.me.ke> > >> Yawa Grace! :) > >> > >> Na hio ni lugha gain? > >> > >> 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 5, 2013, at 3:55 PM, "Grace Mutung'u (Bomu)" > >> <nmutungu@gmail.com > > > wrote: > >> > >>> > >>> > >>> Forwarded Message: > >>> > >>> Just got this news from a friend that its now official that IGF > >>> Bali > will be organized as planned. > >>> > >>> http://m.kominfo.go.id/berita/detail/4095/Siaran+Pers+No.+61-PIH-K > >>> OM > >>> INFO-8-2013+tentang+Indonesia+Bersama+Komunitas+Internet+Multi-Sta > >>> INFO-8-2013+tentang+Indonesia+Bersama+Komunitas+Internet+ke > >>> holder+Global+Siap+Menjadi+Tuan+Rumah+IGF+2013+-+Bali > >>> > >>> Congratulations everyone, who have been working very hard behind > >>> the > scenes to make it happen. > >>> > >>> More power to you all, > >>> > >>> Best wishes and regards > >>> Shahzad > >>> > >>> > >>> > >>> > >>> -- > >>> Carolina Rossini > >>> Project Director, Latin America Resource Center Open Technology > >>> Institute New America Foundation // http://carolinarossini.net/ > >>> + 1 6176979389 > >>> *carolina.rossini@gmail.com* > >>> skype: carolrossini > >>> @carolinarossini > >>> > >>> > >>> _______________________________________________ > >>> IRP mailing list > >>> IRP@lists.internetrightsandprinciples.org > >>> http://lists.internetrightsandprinciples.org/cgi-bin/mailman/listi > >>> nf > >>> o/irp > >>> > >>> > >>> > >>> > >>> -- > >>> Grace L.N. Mutung'u (Bomu) > >>> Kenya > >>> Skype: gracebomu > >>> Twitter: @Bomu > >>> Website: > >>> http://www.diplointernetgovernance.org/profile/GraceMutungu > >>> _______________________________________________ > >>> isoc mailing list > >>> isoc@orion.my.co.ke > >>> http://orion.my.co.ke/cgi-bin/mailman/listinfo/isoc > > > > > > > > -- > > Grace L.N. Mutung'u (Bomu) > > Kenya > > Skype: gracebomu > > Twitter: @Bomu > > Website: http://www.diplointernetgovernance.org/profile/GraceMutungu > -------------- next part -------------- An HTML attachment was > scrubbed... > URL: > < > https://lists.kictanet.or.ke/pipermail/kictanet/attachments/20130806/f > 38f9d > ec/attachment-0001.html> > > ------------------------------ > > Message: 2 > Date: Tue, 6 Aug 2013 12:46:31 +0300 > From: Ali Hussein <ali@hussein.me.ke> > To: James Mbugua <jgmbugua@gmail.com> > Cc: KICTAnet ICT Policy Discussions <kictanet@lists.kictanet.or.ke> > Subject: Re: [kictanet] Equity says M-Pesa lines should be open > Message-ID: <0126DB5E-5E6E-479E-B7ED-5CB6473C6925@hussein.me.ke> > Content-Type: text/plain; charset="us-ascii" > > James ad all > > Well put. The difference though is that industry's open up themselves > for open standards. Rarely do companies. > > Its incumbent upon TESPOK to convince Safaricom to open up its Mpesa > system 'fully' as many listers have suggested. The fact is that the > Safaricom chaps are clever enough to see this coming (and if they are > not unfortunately they will go the way of Telkom Kenya). > > Rarely has government intervention in open standards helped the people > they are supposed to help. Even the Banking sector clearing house is > run by Bankers with the hawkish eyes of central bankers looking on. > > Safaricom will open up Mpesa fully - when they are good and ready and > not a moment sooner. That's my take. > > 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 6, 2013, at 11:15 AM, James Mbugua <jgmbugua@gmail.com> wrote: > > > Openness > > > > I have always felt very strongly about this issue and I agree M-PESA > should be open. I used to barge Michael Joseph relentlessly about this. > Open > first in the sense that third parties can interface their products on > their API but secondly and more importantly, open to talk to other > platforms the way banks talk to each other. I can withdraw money from > Pesa Point or another non-Barclays quite easily. > > > > The fact is we cannot let platforms that stifle innovation continue > > to > prosper. AT&T was finally split up in 1984 not because of its > overwhelming market dominance, but that IT WAS REFUSING TO ALLOW NEW > INNOVATIONS TO WORK ON ITS PLATFORMS thus overall stifling technology. > > > > In the same way, this is not a sustainable position for M-PESA if it > projects its medium to long-term horizon, surely it must see that even > the government will not be comfortable constantly hearing that this % > of our GDP passes through M-PESA. > > > > If I was Safaricom I would be strategizing on how to open up the > > platform > as painlessly as possible before the combination of disruptive market > forces and government national security interests converge. > > > > Already I can deposit money into my bank account with M-PESA and > > withdraw > it with Airtel Money. Surely, you don't need to be a genius to see > that you don't need that middle man called the bank if the demand for > the service is there. > > > > Regards > > > > James > > > > > > On Tue, Aug 6, 2013 at 9:15 AM, Mark Mwangi <mwangy@gmail.com> wrote: > >> In my opinion what Equity is asking for is for a common platform > >> aka a > common account that can be credited and debited by airtel money, yu > cash orange money, tangaza etc in the manner that a visa credit card > is open game for any merchant, bank etc. This way M-pesa becomes a > platform and not a safaricom product. > >> > >> I actually don't see how Safaricom looses in this scenario. > Exponentially > more transaction fee collections, Increased dependence by industry > players, maintain the intellectual property and ownership of the > platform etc. > >> > >> Maybe they are reluctant due to technological immaturity. I also > wouldn't > want to embarrass myself after being feted worldwide. > >> > >> > >> On Mon, Aug 5, 2013 at 8:31 PM, Kivuva > >> <Kivuva@transworldafrica.com> > wrote: > >>> @areba, what Equity wants, if I'm not wrong is the ability for you > >>> to setup a club within MPESA where you can use the platform to > >>> transfer funds without them passing through Safaricom. > >>> > >>> The MPESA platform becomes an enabler. Unless anybody else has a > >>> better understanding. > >>> > >>> -- > >>> ______________________ > >>> 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/mwangy%40gma > >>> il > >>> .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. > >> > >> > >> > >> -- > >> Regards, > >> > >> Mark Mwangi > >> > >> markmwangi.me.ke > >> > >> > >> > >> > >> > >> _______________________________________________ > >> 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/jgmbugua%40gm > >> ai > >> l.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/info%40alyhuss > > ei > > n.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. > -------------- next part -------------- An HTML attachment was > scrubbed... > URL: > < > https://lists.kictanet.or.ke/pipermail/kictanet/attachments/20130806/e > 4a57b > 51/attachment.html> > > ------------------------------ > > Subject: Digest Footer > > _______________________________________________ > kictanet mailing list > kictanet@lists.kictanet.or.ke > https://lists.kictanet.or.ke/mailman/listinfo/kictanet > > > ------------------------------ > > End of kictanet Digest, Vol 75, Issue 17 > **************************************** > > > _______________________________________________ > 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/andrea.bohnstedt > %40ratio-magazine.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. >
-- Andrea Bohnstedt <http://ke.linkedin.com/in/andreabohnstedt> Publisher www.ratio-magazine.com www.africa-assets.com
Edwin, I understand but I was also trying to get people to look at this MPESA slightly differently. Have you seen my other email where I reminded everyone that MPESA is really owned by Vodafone? That's why we have MPESA in Kenya, Tanzania, SA, Afghanistan etc. In my view, things went wrong with MPESA the day it became a "not Safaricom's property". Kind Regards, Bernard Kioko -----Original Message----- From: Edwin Onchari [mailto:eonchari@lynxbits.com] Sent: Tuesday, August 06, 2013 4:51 PM To: bkioko@bernsoft.com Cc: 'KICTAnet ICT Policy Discussions' Subject: RE: [kictanet] Equity says M-Pesa lines should be open Bernard, You might have missed my points below. While the thread's subject line reads "equity..." Discussions so far have evolved to include other issues/suggestions (in my case a suggestion) on how safcom can innovate further. I am not for/against Equity's request/demand or whichever way they might have phrased it. All I said here is that if safcom were to have Mpesa standalone for instance-it would mean that I do not have to have a safcom line/hold an I&M card/account to be able to deposit money into a Mastercard/Visa - whose holder might not necessarily be an I&M customer (by the way I have an I&M card). I also said - if this is already happening, then my suggestion was time barred! So, is this already happening as I have explained? If so, then mea culpa Edwin -----Original Message----- From: Bernard Kioko [Bernsoft Interactive Limited] [mailto:bkioko@bernsoft.com] Sent: Tuesday, August 06, 2013 4:19 PM To: 'Edwin Onchari' Cc: 'KICTAnet ICT Policy Discussions' Subject: RE: [kictanet] Equity says M-Pesa lines should be open Edwin, Even before Andrea answers, I need to politely ask, why is this a Safaricom issue really? YOu or someone could create this system - innovate. MPESA is open enough to allow for this. Infact, I&M Bank have this service running with MPESA today. If you mpesa any amount to paybill 510510 and enter my I&M visa card number, that amount will reflect on my visa account and I can shop worldwide with it. Kind Regards, Bernard Kioko -----Original Message----- From: kictanet [mailto:kictanet-bounces+bkioko=bernsoft.com@lists.kictanet.or.ke] On Behalf Of Edwin Onchari Sent: Tuesday, August 06, 2013 4:12 PM To: bkioko@bernsoft.com Cc: KICTAnet ICT Policy Discussions Subject: Re: [kictanet] Equity says M-Pesa lines should be open Andrea, You mean to say that if I go to an Mpesa outlet in a remote location such as Nyamira on a Sunday evening, I can deposit money into my friend's Visa/Mastercard to get me an Eagles T-shirt from Philly without the need for me to have a safcom line or go to a bank? If so, then my suggestion is time barred, otherwise, that is the kind of innovation I meant Edwin -----Original Message----- From: kictanet [mailto:kictanet-bounces+eonchari=lynxbits.com@lists.kictanet.or.ke] On Behalf Of kictanet-request@lists.kictanet.or.ke Sent: Tuesday, August 06, 2013 3:54 PM To: Edwin Subject: kictanet Digest, Vol 75, Issue 21 Send kictanet mailing list submissions to kictanet@lists.kictanet.or.ke To subscribe or unsubscribe via the World Wide Web, visit https://lists.kictanet.or.ke/mailman/listinfo/kictanet or, via email, send a message with subject or body 'help' to kictanet-request@lists.kictanet.or.ke You can reach the person managing the list at kictanet-owner@lists.kictanet.or.ke When replying, please edit your Subject line so it is more specific than "Re: Contents of kictanet digest..." Today's Topics: 1. Re: Equity says M-Pesa lines should be open (Andrea Bohnstedt) ---------------------------------------------------------------------- Message: 1 Date: Tue, 6 Aug 2013 15:53:46 +0300 From: Andrea Bohnstedt <andrea.bohnstedt@ratio-magazine.com> To: Edwin Onchari <eonchari@lynxbits.com> Cc: KICTAnet ICT Policy Discussions <kictanet@lists.kictanet.or.ke> Subject: Re: [kictanet] Equity says M-Pesa lines should be open Message-ID: <CAFaobUCDn=RuA-ih6nmd-rp5Ji10X32Lonp9shYDYnKbRCnxaQ@mail.gmail.com> Content-Type: text/plain; charset="iso-8859-1" Safaricom/Visa co-operation was launched in early 2011, so shop away in Helsinki! On 6 August 2013 15:50, Edwin Onchari <eonchari@lynxbits.com> wrote:
As many have pointed out, opening up Mpesa will benefit Safcom in the long run. As some have quoted the case of AT&T, if Safcom were to open up Mpesa, and may I suggest even setup Mpesa as a separate organization, the growth will enormous. I can foresee a scenario where the platform will penetrate the market segments that have eluded other electronic money transfer providers such as Visa/Mastercard- or even have
collaborations with them. > Imagine having someone deposit money into my Mpesa account in Nyamira- > Kenya and be able to use my visa card at a shop in Helsinki! I only > see benefits accruing to Safcom on this > > Kind regards, > Edwin > > -----Original Message----- > From: kictanet > [mailto:kictanet-bounces+eonchari=lynxbits.com@lists.kictanet.or.ke] > On Behalf Of kictanet-request@lists.kictanet.or.ke > Sent: Tuesday, August 06, 2013 12:54 PM > To: Edwin > Subject: kictanet Digest, Vol 75, Issue 17 > > Send kictanet mailing list submissions to > kictanet@lists.kictanet.or.ke > > To subscribe or unsubscribe via the World Wide Web, visit > https://lists.kictanet.or.ke/mailman/listinfo/kictanet > or, via email, send a message with subject or body 'help' to > kictanet-request@lists.kictanet.or.ke > > You can reach the person managing the list at > kictanet-owner@lists.kictanet.or.ke > > When replying, please edit your Subject line so it is more specific > than > "Re: Contents of kictanet digest..." > > > Today's Topics: > > 1. Re: [ISOC_KE] Fwd: [IRPCoalition] will happen - IGF Bali > (Ali Hussein) > 2. Re: Equity says M-Pesa lines should be open (Ali Hussein) > > > ---------------------------------------------------------------------- > > Message: 1 > Date: Tue, 6 Aug 2013 12:27:49 +0300 > From: Ali Hussein <ali@hussein.me.ke> > To: "Grace Mutung'u (Bomu)" <nmutungu@gmail.com> > Cc: KICTAnet ICT Policy Discussions <kictanet@lists.kictanet.or.ke>, > "isoc@orion.my.co.ke" <isoc@orion.my.co.ke> > Subject: Re: [kictanet] [ISOC_KE] Fwd: [IRPCoalition] will happen - > IGF Bali > Message-ID: <3CDA412A-EE1C-469C-B0D3-5020B77FB4F1@hussein.me.ke> > Content-Type: text/plain; charset="us-ascii" > > :) > > Thanks > > 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 6, 2013, at 9:29 AM, "Grace Mutung'u (Bomu)" > <nmutungu@gmail.com> > wrote: > > > Thats Indonesian (I think) > > You can get it translated on Google Translate...but the gist of it > > is > that > the local organising committee has confirmed that IGF will happen as > scheduled. > > Thanks! > > > > > > 2013/8/5 Ali Hussein <ali@hussein.me.ke> > >> Yawa Grace! :) > >> > >> Na hio ni lugha gain? > >> > >> 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 5, 2013, at 3:55 PM, "Grace Mutung'u (Bomu)" > >> <nmutungu@gmail.com > > > wrote: > >> > >>> > >>> > >>> Forwarded Message: > >>> > >>> Just got this news from a friend that its now official that IGF > >>> Bali > will be organized as planned. > >>> > >>> http://m.kominfo.go.id/berita/detail/4095/Siaran+Pers+No.+61-PIH-K > >>> OM > >>> INFO-8-2013+tentang+Indonesia+Bersama+Komunitas+Internet+Multi-Sta > >>> INFO-8-2013+tentang+Indonesia+Bersama+Komunitas+Internet+ke > >>> holder+Global+Siap+Menjadi+Tuan+Rumah+IGF+2013+-+Bali > >>> > >>> Congratulations everyone, who have been working very hard behind > >>> the > scenes to make it happen. > >>> > >>> More power to you all, > >>> > >>> Best wishes and regards > >>> Shahzad > >>> > >>> > >>> > >>> > >>> -- > >>> Carolina Rossini > >>> Project Director, Latin America Resource Center Open Technology > >>> Institute New America Foundation // http://carolinarossini.net/ > >>> + 1 6176979389 > >>> *carolina.rossini@gmail.com* > >>> skype: carolrossini > >>> @carolinarossini > >>> > >>> > >>> _______________________________________________ > >>> IRP mailing list > >>> IRP@lists.internetrightsandprinciples.org > >>> http://lists.internetrightsandprinciples.org/cgi-bin/mailman/listi > >>> nf > >>> o/irp > >>> > >>> > >>> > >>> > >>> -- > >>> Grace L.N. Mutung'u (Bomu) > >>> Kenya > >>> Skype: gracebomu > >>> Twitter: @Bomu > >>> Website: > >>> http://www.diplointernetgovernance.org/profile/GraceMutungu > >>> _______________________________________________ > >>> isoc mailing list > >>> isoc@orion.my.co.ke > >>> http://orion.my.co.ke/cgi-bin/mailman/listinfo/isoc > > > > > > > > -- > > Grace L.N. Mutung'u (Bomu) > > Kenya > > Skype: gracebomu > > Twitter: @Bomu > > Website: http://www.diplointernetgovernance.org/profile/GraceMutungu > -------------- next part -------------- An HTML attachment was > scrubbed... > URL: > < > https://lists.kictanet.or.ke/pipermail/kictanet/attachments/20130806/f > 38f9d > ec/attachment-0001.html> > > ------------------------------ > > Message: 2 > Date: Tue, 6 Aug 2013 12:46:31 +0300 > From: Ali Hussein <ali@hussein.me.ke> > To: James Mbugua <jgmbugua@gmail.com> > Cc: KICTAnet ICT Policy Discussions <kictanet@lists.kictanet.or.ke> > Subject: Re: [kictanet] Equity says M-Pesa lines should be open > Message-ID: <0126DB5E-5E6E-479E-B7ED-5CB6473C6925@hussein.me.ke> > Content-Type: text/plain; charset="us-ascii" > > James ad all > > Well put. The difference though is that industry's open up themselves > for open standards. Rarely do companies. > > Its incumbent upon TESPOK to convince Safaricom to open up its Mpesa > system 'fully' as many listers have suggested. The fact is that the > Safaricom chaps are clever enough to see this coming (and if they are > not unfortunately they will go the way of Telkom Kenya). > > Rarely has government intervention in open standards helped the people > they are supposed to help. Even the Banking sector clearing house is > run by Bankers with the hawkish eyes of central bankers looking on. > > Safaricom will open up Mpesa fully - when they are good and ready and > not a moment sooner. That's my take. > > 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 6, 2013, at 11:15 AM, James Mbugua <jgmbugua@gmail.com> wrote: > > > Openness > > > > I have always felt very strongly about this issue and I agree M-PESA > should be open. I used to barge Michael Joseph relentlessly about this. > Open > first in the sense that third parties can interface their products on > their API but secondly and more importantly, open to talk to other > platforms the way banks talk to each other. I can withdraw money from > Pesa Point or another non-Barclays quite easily. > > > > The fact is we cannot let platforms that stifle innovation continue > > to > prosper. AT&T was finally split up in 1984 not because of its > overwhelming market dominance, but that IT WAS REFUSING TO ALLOW NEW > INNOVATIONS TO WORK ON ITS PLATFORMS thus overall stifling technology. > > > > In the same way, this is not a sustainable position for M-PESA if it > projects its medium to long-term horizon, surely it must see that even > the government will not be comfortable constantly hearing that this % > of our GDP passes through M-PESA. > > > > If I was Safaricom I would be strategizing on how to open up the > > platform > as painlessly as possible before the combination of disruptive market > forces and government national security interests converge. > > > > Already I can deposit money into my bank account with M-PESA and > > withdraw > it with Airtel Money. Surely, you don't need to be a genius to see > that you don't need that middle man called the bank if the demand for > the service is there. > > > > Regards > > > > James > > > > > > On Tue, Aug 6, 2013 at 9:15 AM, Mark Mwangi <mwangy@gmail.com> wrote: > >> In my opinion what Equity is asking for is for a common platform > >> aka a > common account that can be credited and debited by airtel money, yu > cash orange money, tangaza etc in the manner that a visa credit card > is open game for any merchant, bank etc. This way M-pesa becomes a > platform and not a safaricom product. > >> > >> I actually don't see how Safaricom looses in this scenario. > Exponentially > more transaction fee collections, Increased dependence by industry > players, maintain the intellectual property and ownership of the > platform etc. > >> > >> Maybe they are reluctant due to technological immaturity. I also > wouldn't > want to embarrass myself after being feted worldwide. > >> > >> > >> On Mon, Aug 5, 2013 at 8:31 PM, Kivuva > >> <Kivuva@transworldafrica.com> > wrote: > >>> @areba, what Equity wants, if I'm not wrong is the ability for you > >>> to setup a club within MPESA where you can use the platform to > >>> transfer funds without them passing through Safaricom. > >>> > >>> The MPESA platform becomes an enabler. Unless anybody else has a > >>> better understanding. > >>> > >>> -- > >>> ______________________ > >>> 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/mwangy%40gma > >>> il > >>> .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. > >> > >> > >> > >> -- > >> Regards, > >> > >> Mark Mwangi > >> > >> markmwangi.me.ke > >> > >> > >> > >> > >> > >> _______________________________________________ > >> 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/jgmbugua%40gm > >> ai > >> l.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/info%40alyhuss > > ei > > n.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. > -------------- next part -------------- An HTML attachment was > scrubbed... > URL: > < > https://lists.kictanet.or.ke/pipermail/kictanet/attachments/20130806/e > 4a57b > 51/attachment.html> > > ------------------------------ > > Subject: Digest Footer > > _______________________________________________ > kictanet mailing list > kictanet@lists.kictanet.or.ke > https://lists.kictanet.or.ke/mailman/listinfo/kictanet > > > ------------------------------ > > End of kictanet Digest, Vol 75, Issue 17 > **************************************** > > > _______________________________________________ > 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/andrea.bohnstedt > %40ratio-magazine.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. >
-- Andrea Bohnstedt <http://ke.linkedin.com/in/andreabohnstedt> Publisher www.ratio-magazine.com www.africa-assets.com
participants (2)
-
Bernard Kioko [Bernsoft Interactive Limited] -
Edwin Onchari