MPESA - Monopolies commission
Hi, I have been monitoring the growth of MPesa and I am getting concerned that we shall soon be held ransom if its growth is not monitored and their none competitive activities stopped. We are more concerned about number portability yet this will only benefit a few foreign investors yet mpesa has become so pervasive yet the tax consuming regulators do nothing to protect the consumer. The success of safaricoms mpesa has been so meteoric that it has scollen their heads to the point that there officers have become more powerful than the dreaded mungiki. They determine who can open an outlet where and which outlet will be shutdown. On the other extreme is the terms that the agents are giving such as they cannot provide the services of a competing provider. Imagine if KCC or Elliots wher giving the power to determine who can ot cannot sell their products and also require that you do not sell a competing product where would the milk and bread industry be today. If even KBL realised that a retailer must be free to decide which products to sell and not be bullied into selling the products of a particular brewer. Competition is about a level playing field of which the money transfer business it not, why should a grandmother in Budalangi or Kangaita who has a Zaine line be denied the opportunity to receive funds from her grand children because the only shop keeper within a 5 KM radius of her home is not allowed to offer multiple money transfer products, yet he can sell Tuzo, Brookside, Fresha, Haifa or any other brand of milk. We are regressing very first and unless the regulators do what they are paid to do with our hard earned taxes then we soon shall be be cornered. This keeps looking like the mark of the demon that is quoted in the bible. Somebody stop this madness. Robert Yawe KAY System Technologies Ltd Phoenix House, 6th Floor P O Box 55806 Nairobi, 00200 Kenya Tel: +254722511225, +254202010696
Hi,
I have been monitoring the growth of MPesa and I am getting concerned that we shall soon be held ransom if its growth is not monitored and their none competitive activities stopped.
We are more concerned about number portability yet this will only benefit a few foreign investors yet mpesa has become so
pervasive
yet the tax consuming regulators do nothing to protect the consumer.
The success of safaricoms mpesa has been so meteoric that it has scollen their heads to the point that there officers have become more powerful
the dreaded mungiki. They determine who can open an outlet where and which outlet will be shutdown.
On the other extreme is the terms that the agents are giving such as they cannot provide the services of a competing provider. Imagine if KCC or Elliots wher giving the power to determine who can ot cannot sell their products and also require that you do not sell a competing product where would the milk and bread industry be today.
If even KBL realised that a retailer must be free to decide which products to sell and not be bullied into selling the products of a particular brewer.
Competition is about a level playing field of which the money transfer business it not, why should a grandmother in Budalangi or Kangaita who has a Zaine line be denied the opportunity to receive funds from her grand children because the only shop keeper within a 5 KM radius of her home is not allowed to offer multiple money transfer products, yet he can sell Tuzo, Brookside, Fresha, Haifa or any other brand of milk.
We are regressing very first and unless the regulators do what they are
Robert, I see where you are coming from, standing but not sure whether to go left or right. My insight revolves around the same, with somecuriosity on why Safaricom would rather force people to remain pegged on their network with some flimsy Terms and Conditions. Markets only thrive when fair competition is the order of the day. When an indivudual enjoy monopolies, there is a tendency for the same individual to become arrogant, because someone or the law, is protecting them. Lord Akton in 12th Century said, *power corrupts, absolute power corrupts absolutely', *and so there is a need for the company to make some liberal decisions which will continue boosting the image of the firm. I tend to ask, imagine the government saying that only patients with NHIF cards will receive ARVs, because they are not using another health scheme? I should not see Safaricom as my enemy because I'm using Zain. At the end of the day, Kenyans are benefiting from the services of these firms and making life easier for the Mama Mboga is a steop ahead in showing how much you want your consumers enjoy seamless service. Monopoly kills sustainable development! My view!* * On 22/09/2009, robert yawe <robertyawe@yahoo.co.uk> wrote: than paid
to do with our hard earned taxes then we soon shall be be cornered. This keeps looking like the mark of the demon that is quoted in the bible.
Somebody stop this madness.
Robert Yawe
KAY System Technologies Ltd
Phoenix House, 6th Floor
P O Box 55806 Nairobi, 00200
Kenya
Tel: +254722511225, +254202010696
-- Solomon Mburu P.O. Box 19343 - 00202 Nairobi Cell: (+254-0) 735 431041 Man is a gregarious animal and enjoys agreement as cows will graze all the same way to the side of a hill! AND It is better to die in dignity than in the ignomity of ambiguous generosity! blog: http://desires-and-dreams.blogspot.com
Bob, I would look at the fundamentals. 1. who should regulate MPESA/ZAP phenomena (CCK? Central Bank, both, etc?) 2. what makes a player dominant and when is a player deemed to be abusing their dominant position? 3. what (legal/regulatory) options are available to whichever regulator in containing a hostile dominant player 4. is there sufficient (political) guts to make a ruling? i have no answers, just thinking loudly. walu. --- On Tue, 9/22/09, robert yawe <robertyawe@yahoo.co.uk> wrote:
From: robert yawe <robertyawe@yahoo.co.uk> Subject: [kictanet] MPESA - Monopolies commission To: jwalu@yahoo.com Cc: "KICTAnet ICT Policy Discussions" <kictanet@lists.kictanet.or.ke> Date: Tuesday, September 22, 2009, 8:10 PM Hi,
I have been monitoring the growth of MPesa and I am getting concerned that we shall soon be held ransom if its growth is not monitored and their none competitive activities stopped.
We are more concerned about number portability yet this will only benefit a few foreign investors yet mpesa has become so
pervasive
yet the tax consuming regulators do nothing to protect the consumer.
The success of safaricoms mpesa has been so meteoric that it has scollen their heads to the point that there officers have become more powerful than the dreaded mungiki. They determine who can open an outlet where and which outlet will be shutdown.
On the other extreme is the terms that the agents are giving such as they cannot provide the services of a competing provider. Imagine if KCC or Elliots wher giving the power to determine who can ot cannot sell their products and also require that you do not sell a competing product where would the milk and bread industry be today.
If even KBL realised that a retailer must be free to decide which products to sell and not be bullied into selling the products of a particular brewer.
Competition is about a level playing field of which the money transfer business it not, why should a grandmother in Budalangi or Kangaita who has a Zaine line be denied the opportunity to receive funds from her grand children because the only shop keeper within a 5 KM radius of her home is not allowed to offer multiple money transfer products, yet he can sell Tuzo, Brookside, Fresha, Haifa or any other brand of milk.
We are regressing very first and unless the regulators do what they are paid to do with our hard earned taxes then we soon shall be be cornered. This keeps looking like the mark of the demon that is quoted in the bible.
Somebody stop this madness.
Robert Yawe
KAY System Technologies Ltd
Phoenix House, 6th Floor
P O Box 55806 Nairobi, 00200
Kenya
Tel: +254722511225, +254202010696
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Hi Walu, These are exactly the thorny regulatory issues we want to tackle in a high-level panel discussion during our Banking & Mobile Payments Conference over 23-24 February. Please let me know if you would like to participate in this. Regards Sean Sean Moroney Chairman AITEC Africa seanm@aitecafrica.com UK Tel: +44(0)1480-880774 UK Fax: +44(0)1480-880765 UK Mobile: +44(0)7973-499224 Kenya Mobile: +254(0)721-845674 Mozambique Mobile: +258-82-6181618 Nigeria Mobile: +234(0)802-0571766 SA Mobile: +27(0)724-577887 Skype: seanmoroney www.aitecafrica.com UPCOMING AITEC AFRICA EVENTS: l AITEC Mozambique ICT Congress, Maputo, 17-18 September 2009 l The East African Fibre Summit, Nairobi, 22-23 September 2009 l AITEC Ghana, Accra, 22-24 October 2009 l ComBIT Africa, Lagos, 2-4 November 2009 l Outsourcing & Contact Centre East Africa, Nairobi, 11-12 November 2009 l Customer Service & Contact Centre, Lagos, 24-25 November 2009 l Banking & Mobile Payments East Africa, Nairobi, 23-24 February 2010 l Banking & Mobile Payments West Africa, Lagos, 11-12 May 2010 l Broadcast & Film Africa, Nairobi, 19-20 May 2010 Don't forget that if you are a South African company the dti may find you eligible for a refund of 100% of the costs of exhibiting at our events. contact us for more details! Communication is key! -----Original Message----- From: kictanet-bounces+seanm=aitecafrica.com@lists.kictanet.or.ke [mailto:kictanet-bounces+seanm=aitecafrica.com@lists.kictanet.or.ke] On Behalf Of Walubengo J Sent: 29 September 2009 10:39 To: seanm@aitecafrica.com Cc: KICTAnet ICT Policy Discussions Subject: Re: [kictanet] MPESA - Monopolies commission Bob, I would look at the fundamentals. 1. who should regulate MPESA/ZAP phenomena (CCK? Central Bank, both, etc?) 2. what makes a player dominant and when is a player deemed to be abusing their dominant position? 3. what (legal/regulatory) options are available to whichever regulator in containing a hostile dominant player 4. is there sufficient (political) guts to make a ruling? i have no answers, just thinking loudly. walu. --- On Tue, 9/22/09, robert yawe <robertyawe@yahoo.co.uk> wrote:
From: robert yawe <robertyawe@yahoo.co.uk> Subject: [kictanet] MPESA - Monopolies commission To: jwalu@yahoo.com Cc: "KICTAnet ICT Policy Discussions" <kictanet@lists.kictanet.or.ke> Date: Tuesday, September 22, 2009, 8:10 PM Hi,
I have been monitoring the growth of MPesa and I am getting concerned that we shall soon be held ransom if its growth is not monitored and their none competitive activities stopped.
We are more concerned about number portability yet this will only benefit a few foreign investors yet mpesa has become so
pervasive
yet the tax consuming regulators do nothing to protect the consumer.
The success of safaricoms mpesa has been so meteoric that it has scollen their heads to the point that there officers have become more powerful than the dreaded mungiki. They determine who can open an outlet where and which outlet will be shutdown.
On the other extreme is the terms that the agents are giving such as they cannot provide the services of a competing provider. Imagine if KCC or Elliots wher giving the power to determine who can ot cannot sell their products and also require that you do not sell a competing product where would the milk and bread industry be today.
If even KBL realised that a retailer must be free to decide which products to sell and not be bullied into selling the products of a particular brewer.
Competition is about a level playing field of which the money transfer business it not, why should a grandmother in Budalangi or Kangaita who has a Zaine line be denied the opportunity to receive funds from her grand children because the only shop keeper within a 5 KM radius of her home is not allowed to offer multiple money transfer products, yet he can sell Tuzo, Brookside, Fresha, Haifa or any other brand of milk.
We are regressing very first and unless the regulators do what they are paid to do with our hard earned taxes then we soon shall be be cornered. This keeps looking like the mark of the demon that is quoted in the bible.
Somebody stop this madness.
Robert Yawe
KAY System Technologies Ltd
Phoenix House, 6th Floor
P O Box 55806 Nairobi, 00200
Kenya
Tel: +254722511225, +254202010696
-----Inline Attachment Follows-----
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Dear listers, Look out for the October issue of CIO East Africa magazine for a detailed coverage of mobile banking and m-money services, including regulatory and policy challenges. The coverage includes interviews with industry players, as well as the regulators--CCK and CBK. This is a must read. Best, Zachary. Managing Editor, CIO East Africa Tel: 3741646/7. Official Email: zachary.ochieng@cio.co.ke --- Be the change you want to see in the world. --- On Tue, 29/9/09, Sean Moroney <seanm@aitecafrica.com> wrote: From: Sean Moroney <seanm@aitecafrica.com> Subject: Re: [kictanet] MPESA - Monopolies commission To: zzachmbir@yahoo.com Cc: "'KICTAnet ICT Policy Discussions'" <kictanet@lists.kictanet.or.ke> Date: Tuesday, 29 September, 2009, 7:35 PM Hi Walu, These are exactly the thorny regulatory issues we want to tackle in a high-level panel discussion during our Banking & Mobile Payments Conference over 23-24 February. Please let me know if you would like to participate in this. Regards Sean Sean Moroney Chairman AITEC Africa seanm@aitecafrica.com UK Tel: +44(0)1480-880774 UK Fax: +44(0)1480-880765 UK Mobile: +44(0)7973-499224 Kenya Mobile: +254(0)721-845674 Mozambique Mobile: +258-82-6181618 Nigeria Mobile: +234(0)802-0571766 SA Mobile: +27(0)724-577887 Skype: seanmoroney www.aitecafrica.com UPCOMING AITEC AFRICA EVENTS: l AITEC Mozambique ICT Congress, Maputo, 17-18 September 2009 l The East African Fibre Summit, Nairobi, 22-23 September 2009 l AITEC Ghana, Accra, 22-24 October 2009 l ComBIT Africa, Lagos, 2-4 November 2009 l Outsourcing & Contact Centre East Africa, Nairobi, 11-12 November 2009 l Customer Service & Contact Centre, Lagos, 24-25 November 2009 l Banking & Mobile Payments East Africa, Nairobi, 23-24 February 2010 l Banking & Mobile Payments West Africa, Lagos, 11-12 May 2010 l Broadcast & Film Africa, Nairobi, 19-20 May 2010 Don't forget that if you are a South African company the dti may find you eligible for a refund of 100% of the costs of exhibiting at our events. contact us for more details! Communication is key! -----Original Message----- From: kictanet-bounces+seanm=aitecafrica.com@lists.kictanet.or.ke [mailto:kictanet-bounces+seanm=aitecafrica.com@lists.kictanet.or.ke] On Behalf Of Walubengo J Sent: 29 September 2009 10:39 To: seanm@aitecafrica.com Cc: KICTAnet ICT Policy Discussions Subject: Re: [kictanet] MPESA - Monopolies commission Bob, I would look at the fundamentals. 1. who should regulate MPESA/ZAP phenomena (CCK? Central Bank, both, etc?) 2. what makes a player dominant and when is a player deemed to be abusing their dominant position? 3. what (legal/regulatory) options are available to whichever regulator in containing a hostile dominant player 4. is there sufficient (political) guts to make a ruling? i have no answers, just thinking loudly. walu. --- On Tue, 9/22/09, robert yawe <robertyawe@yahoo.co.uk> wrote:
From: robert yawe <robertyawe@yahoo.co.uk> Subject: [kictanet] MPESA - Monopolies commission To: jwalu@yahoo.com Cc: "KICTAnet ICT Policy Discussions" <kictanet@lists.kictanet.or.ke> Date: Tuesday, September 22, 2009, 8:10 PM Hi,
I have been monitoring the growth of MPesa and I am getting concerned that we shall soon be held ransom if its growth is not monitored and their none competitive activities stopped.
We are more concerned about number portability yet this will only benefit a few foreign investors yet mpesa has become so
pervasive
yet the tax consuming regulators do nothing to protect the consumer.
The success of safaricoms mpesa has been so meteoric that it has scollen their heads to the point that there officers have become more powerful than the dreaded mungiki. They determine who can open an outlet where and which outlet will be shutdown.
On the other extreme is the terms that the agents are giving such as they cannot provide the services of a competing provider. Imagine if KCC or Elliots wher giving the power to determine who can ot cannot sell their products and also require that you do not sell a competing product where would the milk and bread industry be today.
If even KBL realised that a retailer must be free to decide which products to sell and not be bullied into selling the products of a particular brewer.
Competition is about a level playing field of which the money transfer business it not, why should a grandmother in Budalangi or Kangaita who has a Zaine line be denied the opportunity to receive funds from her grand children because the only shop keeper within a 5 KM radius of her home is not allowed to offer multiple money transfer products, yet he can sell Tuzo, Brookside, Fresha, Haifa or any other brand of milk.
We are regressing very first and unless the regulators do what they are paid to do with our hard earned taxes then we soon shall be be cornered. This keeps looking like the mark of the demon that is quoted in the bible.
Somebody stop this madness.
Robert Yawe
KAY System Technologies Ltd
Phoenix House, 6th Floor
P O Box 55806 Nairobi, 00200
Kenya
Tel: +254722511225, +254202010696
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Hi, The questions are truly pertinent hope the bureaucrats on the forum can enlighten us on the issues raised. Regards Robert Yawe KAY System Technologies Ltd Phoenix House, 6th Floor P O Box 55806 Nairobi, 00200 Kenya Tel: +254722511225, +254202010696 --- On Tue, 29/9/09, Walubengo J <jwalu@yahoo.com> wrote: From: Walubengo J <jwalu@yahoo.com> Subject: Re: [kictanet] MPESA - Monopolies commission To: "robert yawe" <robertyawe@yahoo.co.uk> Cc: "KICTAnet ICT Policy Discussions" <kictanet@lists.kictanet.or.ke> Date: Tuesday, 29 September, 2009, 10:39 AM Bob, I would look at the fundamentals. 1. who should regulate MPESA/ZAP phenomena (CCK? Central Bank, both, etc?) 2. what makes a player dominant and when is a player deemed to be abusing their dominant position? 3. what (legal/regulatory) options are available to whichever regulator in containing a hostile dominant player 4. is there sufficient (political) guts to make a ruling? i have no answers, just thinking loudly. walu. --- On Tue, 9/22/09, robert yawe <robertyawe@yahoo.co.uk> wrote:
From: robert yawe <robertyawe@yahoo.co.uk> Subject: [kictanet] MPESA - Monopolies commission To: jwalu@yahoo.com Cc: "KICTAnet ICT Policy Discussions" <kictanet@lists.kictanet.or.ke> Date: Tuesday, September 22, 2009, 8:10 PM Hi,
I have been monitoring the growth of MPesa and I am getting concerned that we shall soon be held ransom if its growth is not monitored and their none competitive activities stopped.
We are more concerned about number portability yet this will only benefit a few foreign investors yet mpesa has become so
pervasive
yet the tax consuming regulators do nothing to protect the consumer.
The success of safaricoms mpesa has been so meteoric that it has scollen their heads to the point that there officers have become more powerful than the dreaded mungiki. They determine who can open an outlet where and which outlet will be shutdown.
On the other extreme is the terms that the agents are giving such as they cannot provide the services of a competing provider. Imagine if KCC or Elliots wher giving the power to determine who can ot cannot sell their products and also require that you do not sell a competing product where would the milk and bread industry be today.
If even KBL realised that a retailer must be free to decide which products to sell and not be bullied into selling the products of a particular brewer.
Competition is about a level playing field of which the money transfer business it not, why should a grandmother in Budalangi or Kangaita who has a Zaine line be denied the opportunity to receive funds from her grand children because the only shop keeper within a 5 KM radius of her home is not allowed to offer multiple money transfer products, yet he can sell Tuzo, Brookside, Fresha, Haifa or any other brand of milk.
We are regressing very first and unless the regulators do what they are paid to do with our hard earned taxes then we soon shall be be cornered. This keeps looking like the mark of the demon that is quoted in the bible.
Somebody stop this madness.
Robert Yawe
KAY System Technologies Ltd
Phoenix House, 6th Floor
P O Box 55806 Nairobi, 00200
Kenya
Tel: +254722511225, +254202010696
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It is imperative for the mobicos to come out in the open in addressing this issue, for the sake of the end consumer. Nothing beats logic than clearly stating the pros and cons of a service. I wonder, how many of the millions subscribers actually use M-Pesa and Zap? And for what purpose? Some clarity need to de highlighted in this regard. 2009/9/29 robert yawe <robertyawe@yahoo.co.uk>
Hi,
The questions are truly pertinent hope the bureaucrats on the forum can enlighten us on the issues raised.
Regards
Robert Yawe KAY System Technologies Ltd Phoenix House, 6th Floor P O Box 55806 Nairobi, 00200 Kenya
Tel: +254722511225, +254202010696
--- On *Tue, 29/9/09, Walubengo J <jwalu@yahoo.com>* wrote:
From: Walubengo J <jwalu@yahoo.com> Subject: Re: [kictanet] MPESA - Monopolies commission To: "robert yawe" <robertyawe@yahoo.co.uk> Cc: "KICTAnet ICT Policy Discussions" <kictanet@lists.kictanet.or.ke> Date: Tuesday, 29 September, 2009, 10:39 AM
Bob, I would look at the fundamentals.
1. who should regulate MPESA/ZAP phenomena (CCK? Central Bank, both, etc?) 2. what makes a player dominant and when is a player deemed to be abusing their dominant position? 3. what (legal/regulatory) options are available to whichever regulator in containing a hostile dominant player 4. is there sufficient (political) guts to make a ruling?
i have no answers, just thinking loudly. walu.
--- On Tue, 9/22/09, robert yawe <robertyawe@yahoo.co.uk<http://mc/compose?to=robertyawe@yahoo.co.uk>> wrote:
From: robert yawe <robertyawe@yahoo.co.uk<http://mc/compose?to=robertyawe@yahoo.co.uk>
Subject: [kictanet] MPESA - Monopolies commission To: jwalu@yahoo.com <http://mc/compose?to=jwalu@yahoo.com> Cc: "KICTAnet ICT Policy Discussions" <kictanet@lists.kictanet.or.ke<http://mc/compose?to=kictanet@lists.kictanet.or.ke>
Date: Tuesday, September 22, 2009, 8:10 PM Hi,
I have been monitoring the growth of MPesa and I am getting concerned that we shall soon be held ransom if its growth is not monitored and their none competitive activities stopped.
We are more concerned about number portability yet this will only benefit a few foreign investors yet mpesa has become so
pervasive
yet the tax consuming regulators do nothing to protect the consumer.
The success of safaricoms mpesa has been so meteoric that it has scollen their heads to the point that there officers have become more powerful than the dreaded mungiki. They determine who can open an outlet where and which outlet will be shutdown.
On the other extreme is the terms that the agents are giving such as they cannot provide the services of a competing provider. Imagine if KCC or Elliots wher giving the power to determine who can ot cannot sell their products and also require that you do not sell a competing product where would the milk and bread industry be today.
If even KBL realised that a retailer must be free to decide which products to sell and not be bullied into selling the products of a particular brewer.
Competition is about a level playing field of which the money transfer business it not, why should a grandmother in Budalangi or Kangaita who has a Zaine line be denied the opportunity to receive funds from her grand children because the only shop keeper within a 5 KM radius of her home is not allowed to offer multiple money transfer products, yet he can sell Tuzo, Brookside, Fresha, Haifa or any other brand of milk.
We are regressing very first and unless the regulators do what they are paid to do with our hard earned taxes then we soon shall be be cornered. This keeps looking like the mark of the demon that is quoted in the bible.
Somebody stop this madness.
Robert Yawe
KAY System Technologies Ltd
Phoenix House, 6th Floor
P O Box 55806 Nairobi, 00200
Kenya
Tel: +254722511225, +254202010696
-----Inline Attachment Follows-----
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-- Solomon Mburu P.O. Box 19343 - 00202 Nairobi Cell: (+254-0) 735 431041 Man is a gregarious animal and enjoys agreement as cows will graze all the same way to the side of a hill! AND It is better to die in dignity than in the ignomity of ambiguous generosity! blog: http://desires-and-dreams.blogspot.com
Interesting Discussion, I thought the whole mobile money debate had ended in favour of the service. See link http://www.cgap.org/gm/document-1.9.36723/MPESA_Brief.pdf for interesting article on uses to which M-Pesa is being put. A whole industry on Kenyan mobile money experts appers to be developing. Regard, Leonard Obura Aloo Advocate --- On Tue, 9/29/09, Solomon Mburu <solo.mburu@gmail.com> wrote: From: Solomon Mburu <solo.mburu@gmail.com> Subject: Re: [kictanet] MPESA - Monopolies commission To: l_aloo@yahoo.com Cc: "KICTAnet ICT Policy Discussions" <kictanet@lists.kictanet.or.ke> Date: Tuesday, September 29, 2009, 5:27 AM It is imperative for the mobicos to come out in the open in addressing this issue, for the sake of the end consumer. Nothing beats logic than clearly stating the pros and cons of a service. I wonder, how many of the millions subscribers actually use M-Pesa and Zap? And for what purpose? Some clarity need to de highlighted in this regard. 2009/9/29 robert yawe <robertyawe@yahoo.co.uk> Hi, The questions are truly pertinent hope the bureaucrats on the forum can enlighten us on the issues raised. Regards Robert Yawe KAY System Technologies Ltd Phoenix House, 6th Floor P O Box 55806 Nairobi, 00200 Kenya Tel: +254722511225, +254202010696 --- On Tue, 29/9/09, Walubengo J <jwalu@yahoo.com> wrote: From: Walubengo J <jwalu@yahoo.com> Subject: Re: [kictanet] MPESA - Monopolies commission To: "robert yawe" <robertyawe@yahoo.co.uk> Cc: "KICTAnet ICT Policy Discussions" <kictanet@lists.kictanet.or.ke> Date: Tuesday, 29 September, 2009, 10:39 AM Bob, I would look at the fundamentals. 1. who should regulate MPESA/ZAP phenomena (CCK? Central Bank, both, etc?) 2. what makes a player dominant and when is a player deemed to be abusing their dominant position? 3. what (legal/regulatory) options are available to whichever regulator in containing a hostile dominant player 4. is there sufficient (political) guts to make a ruling? i have no answers, just thinking loudly. walu. --- On Tue, 9/22/09, robert yawe <robertyawe@yahoo.co.uk> wrote:
From: robert yawe <robertyawe@yahoo.co.uk> Subject: [kictanet] MPESA - Monopolies commission To: jwalu@yahoo.com Cc: "KICTAnet ICT Policy Discussions" <kictanet@lists.kictanet.or.ke> Date: Tuesday, September 22, 2009, 8:10 PM Hi,
I have been monitoring the growth of MPesa and I am getting concerned that we shall soon be held ransom if its growth is not monitored and their none competitive activities stopped.
We are more concerned about number portability yet this will only benefit a few foreign investors yet mpesa has become so
pervasive
yet the tax consuming regulators do nothing to protect the consumer.
The success of safaricoms mpesa has been so meteoric that it has scollen their heads to the point that there officers have become more powerful than the dreaded mungiki. They determine who can open an outlet where and which outlet will be shutdown.
On the other extreme is the terms that the agents are giving such as they cannot provide the services of a competing provider. Imagine if KCC or Elliots wher giving the power to determine who can ot cannot sell their products and also require that you do not sell a competing product where would the milk and bread industry be today.
If even KBL realised that a retailer must be free to decide which products to sell and not be bullied into selling the products of a particular brewer.
Competition is about a level playing field of which the money transfer business it not, why should a grandmother in Budalangi or Kangaita who has a Zaine line be denied the opportunity to receive funds from her grand children because the only shop keeper within a 5 KM radius of her home is not allowed to offer multiple money transfer products, yet he can sell Tuzo, Brookside, Fresha, Haifa or any other brand of milk.
We are regressing very first and unless the regulators do what they are paid to do with our hard earned taxes then we soon shall be be cornered. This keeps looking like the mark of the demon that is quoted in the bible.
Somebody stop this madness.
Robert Yawe
KAY System Technologies Ltd
Phoenix House, 6th Floor
P O Box 55806 Nairobi, 00200
Kenya
Tel: +254722511225, +254202010696
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_______________________________________________ kictanet mailing list kictanet@lists.kictanet.or.ke http://lists.kictanet.or.ke/mailman/listinfo/kictanet This message was sent to: solo.mburu@gmail.com Unsubscribe or change your options at http://lists.kictanet.or.ke/mailman/options/kictanet/solo.mburu%40gmail.com -- Solomon Mburu P.O. Box 19343 - 00202 Nairobi Cell: (+254-0) 735 431041 Man is a gregarious animal and enjoys agreement as cows will graze all the same way to the side of a hill! AND It is better to die in dignity than in the ignomity of ambiguous generosity! blog: http://desires-and-dreams.blogspot.com -----Inline Attachment Follows----- _______________________________________________ kictanet mailing list kictanet@lists.kictanet.or.ke http://lists.kictanet.or.ke/mailman/listinfo/kictanet This message was sent to: l_aloo@yahoo.com Unsubscribe or change your options at http://lists.kictanet.or.ke/mailman/options/kictanet/l_aloo%40yahoo.com
Aloo, No one doubts the phenomenal benefits MPESA/ZAP has within our community. Indeed I use MPESA regularly and would hate to do without it. However, I think the issue is more about the thin line btwn Super-corporates and the State. Cases are many, Microsoft vs European Union, and also if you have been following the US-politics, you will realize that Obama's medicare plan is bogged down by corporate interests that define the political direction of elected members... In other words, even the US does not have straight answers on this matters, but it is important to acknowledge both the benefits and dangers therein... walu. --- On Tue, 9/29/09, Leonard Aloo <l_aloo@yahoo.com> wrote:
From: Leonard Aloo <l_aloo@yahoo.com> Subject: Re: [kictanet] MPESA - Monopolies commission To: jwalu@yahoo.com Cc: "KICTAnet ICT Policy Discussions" <kictanet@lists.kictanet.or.ke> Date: Tuesday, September 29, 2009, 5:18 PM Interesting Discussion,
I thought the whole mobile money debate had ended in favour of the service.
See link http://www.cgap.org/gm/document-1.9.36723/MPESA_Brief.pdf
for interesting article on uses to which M-Pesa is being put. A whole industry on Kenyan mobile money experts appers to be developing.
Regard,
Leonard Obura Aloo Advocate
--- On Tue, 9/29/09, Solomon Mburu <solo.mburu@gmail.com> wrote:
From: Solomon Mburu <solo.mburu@gmail.com> Subject: Re: [kictanet] MPESA - Monopolies commission To: l_aloo@yahoo.com Cc: "KICTAnet ICT Policy Discussions" <kictanet@lists.kictanet.or.ke> Date: Tuesday, September 29, 2009, 5:27 AM
It is imperative for the mobicos to come out in the open in addressing this issue, for the sake of the end consumer.
Nothing beats logic than clearly stating the pros and cons of a service.
I wonder, how many of the millions subscribers actually use M-Pesa and Zap? And for what purpose? Some clarity need to de highlighted in this regard.
2009/9/29 robert yawe <robertyawe@yahoo.co.uk>
Hi,
The questions are truly pertinent hope the bureaucrats on the forum can enlighten us on the issues raised.
Regards
Robert Yawe KAY System Technologies Ltd Phoenix House, 6th Floor P O Box 55806 Nairobi, 00200 Kenya
Tel: +254722511225, +254202010696
--- On Tue, 29/9/09, Walubengo J <jwalu@yahoo.com> wrote:
From: Walubengo J <jwalu@yahoo.com> Subject: Re: [kictanet] MPESA - Monopolies commission To: "robert yawe" <robertyawe@yahoo.co.uk>
Cc: "KICTAnet ICT Policy Discussions" <kictanet@lists.kictanet.or.ke> Date: Tuesday, 29 September, 2009, 10:39 AM
Bob, I would look at the fundamentals.
1. who should regulate MPESA/ZAP phenomena (CCK? Central Bank, both, etc?) 2. what makes a player dominant and when is a player deemed to be abusing their dominant position? 3. what (legal/regulatory) options are available to whichever regulator in containing a hostile dominant player 4. is there sufficient (political) guts to make a ruling?
i have no answers, just thinking loudly. walu.
--- On Tue, 9/22/09, robert yawe <robertyawe@yahoo.co.uk> wrote:
From: robert yawe <robertyawe@yahoo.co.uk> Subject: [kictanet] MPESA - Monopolies commission To: jwalu@yahoo.com Cc: "KICTAnet ICT Policy Discussions" <kictanet@lists.kictanet.or.ke> Date: Tuesday, September 22, 2009, 8:10 PM Hi,
I have been monitoring the growth of MPesa and I am getting concerned that we shall soon be held ransom if its growth is not monitored and their none competitive activities stopped.
We are more concerned about number portability yet this will only benefit a few foreign investors yet mpesa has become so
pervasive
yet the tax consuming regulators do nothing to protect the consumer.
The success of safaricoms mpesa has been so meteoric that it has scollen their heads to the point that there officers have become more powerful than the dreaded mungiki. They determine who can open an outlet where and which outlet will be shutdown.
On the other extreme is the terms that the agents are giving such as they cannot provide the services of a competing provider. Imagine if KCC or Elliots wher giving the power to determine who can ot cannot sell their products and also require that you do not sell a competing product where would the milk and bread industry be today.
If even KBL realised that a retailer must be free to decide which products to sell and not be bullied into selling the products of a particular brewer.
Competition is about a level playing field of which the money transfer business it not, why should a grandmother in Budalangi or Kangaita who has a Zaine line be denied the opportunity to receive funds from her grand children because the only shop keeper within a 5 KM radius of her home is not allowed to offer multiple money transfer products, yet he can sell Tuzo, Brookside, Fresha, Haifa or any other brand of milk.
We are regressing very first and unless the regulators do what they are paid to do with our hard earned taxes then we soon shall be be cornered. This keeps looking like the mark of the demon that is quoted in the bible.
Somebody stop this madness.
Robert Yawe
KAY System Technologies Ltd
Phoenix House, 6th Floor
P O Box 55806 Nairobi, 00200
Kenya
Tel: +254722511225, +254202010696
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-- Solomon Mburu P.O. Box 19343 - 00202 Nairobi Cell: (+254-0) 735 431041
Man is a gregarious animal and enjoys agreement as cows will graze all the same way to the side of a hill!
AND
It is better to die in dignity than in the ignomity of ambiguous generosity!
blog: http://desires-and-dreams.blogspot.com
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Walu, Regarding fundamentals, 1. We should ask if there is need for regulation in the first place. If the answer is YES.Then we must ask what to regulate and what PUBLIC INTEREST issue we are addressing.Remember, there should be no regulation for the sake of regulation! 2. There need not be one regulator. It is possible to have more than one.It is called CON-CURRENT JURISDICTION.However,it is important to clearly define the relationships in this latter situation. 3. Regarding dominance in ICT sector , please see The Kenya Communications (Amendment) Act, 2008 Section 84(4). 4. Regarding Competition issues in general, these are best dealt with in a Competition law.I have seen some attempts in this matter.Please get a copy of THE COMPETITION BILL,2009 , dated 30th April 2009 which is before Parliament. I hope I have been of some assistance. Eng.J.N.Kariuki --- On Tue, 29/9/09, Walubengo J <jwalu@yahoo.com> wrote: From: Walubengo J <jwalu@yahoo.com> Subject: Re: [kictanet] MPESA - Monopolies commission To: ngethe.kariuki2007@yahoo.co.uk Cc: "KICTAnet ICT Policy Discussions" <kictanet@lists.kictanet.or.ke> Date: Tuesday, 29 September, 2009, 10:39 AM Bob, I would look at the fundamentals. 1. who should regulate MPESA/ZAP phenomena (CCK? Central Bank, both, etc?) 2. what makes a player dominant and when is a player deemed to be abusing their dominant position? 3. what (legal/regulatory) options are available to whichever regulator in containing a hostile dominant player 4. is there sufficient (political) guts to make a ruling? i have no answers, just thinking loudly. walu. --- On Tue, 9/22/09, robert yawe <robertyawe@yahoo.co.uk> wrote:
From: robert yawe <robertyawe@yahoo.co.uk> Subject: [kictanet] MPESA - Monopolies commission To: jwalu@yahoo.com Cc: "KICTAnet ICT Policy Discussions" <kictanet@lists.kictanet.or.ke> Date: Tuesday, September 22, 2009, 8:10 PM Hi,
I have been monitoring the growth of MPesa and I am getting concerned that we shall soon be held ransom if its growth is not monitored and their none competitive activities stopped.
We are more concerned about number portability yet this will only benefit a few foreign investors yet mpesa has become so
pervasive
yet the tax consuming regulators do nothing to protect the consumer.
The success of safaricoms mpesa has been so meteoric that it has scollen their heads to the point that there officers have become more powerful than the dreaded mungiki. They determine who can open an outlet where and which outlet will be shutdown.
On the other extreme is the terms that the agents are giving such as they cannot provide the services of a competing provider. Imagine if KCC or Elliots wher giving the power to determine who can ot cannot sell their products and also require that you do not sell a competing product where would the milk and bread industry be today.
If even KBL realised that a retailer must be free to decide which products to sell and not be bullied into selling the products of a particular brewer.
Competition is about a level playing field of which the money transfer business it not, why should a grandmother in Budalangi or Kangaita who has a Zaine line be denied the opportunity to receive funds from her grand children because the only shop keeper within a 5 KM radius of her home is not allowed to offer multiple money transfer products, yet he can sell Tuzo, Brookside, Fresha, Haifa or any other brand of milk.
We are regressing very first and unless the regulators do what they are paid to do with our hard earned taxes then we soon shall be be cornered. This keeps looking like the mark of the demon that is quoted in the bible.
Somebody stop this madness.
Robert Yawe
KAY System Technologies Ltd
Phoenix House, 6th Floor
P O Box 55806 Nairobi, 00200
Kenya
Tel: +254722511225, +254202010696
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Thanks Eng. Kariuki. quite useful pointers. Especially the competition bill which I hope is the right one @ http://www.kenyalaw.org/Downloads/Bills/2009/200903.pdf regards. walu. --- On Wed, 9/30/09, John Kariuki <ngethe.kariuki2007@yahoo.co.uk> wrote:
From: John Kariuki <ngethe.kariuki2007@yahoo.co.uk> Subject: Re: [kictanet] MPESA - Monopolies commission To: "Walubengo J" <jwalu@yahoo.com> Cc: "KICTAnet ICT Policy Discussions" <kictanet@lists.kictanet.or.ke> Date: Wednesday, September 30, 2009, 9:05 AM Walu, Regarding fundamentals,
1. We should ask if there is need for regulation in the first place. If the answer is YES.Then we must ask what to regulate and what PUBLIC INTEREST issue we are addressing.Remember, there should be no regulation for the sake of regulation! 2. There need not be one regulator. It is possible to have more than one.It is called CON-CURRENT JURISDICTION.However,it is important to clearly define the relationships in this latter situation. 3. Regarding dominance in ICT sector , please see The Kenya Communications (Amendment) Act, 2008 Section 84(4).
4. Regarding Competition issues in general, these are best dealt with in a Competition law.I have seen some attempts in this matter.Please get a copy of THE COMPETITION BILL,2009 , dated 30th April 2009 which is before Parliament.
I hope I have been of some assistance.
Eng.J.N.Kariuki
--- On Tue, 29/9/09, Walubengo J <jwalu@yahoo.com> wrote:
From: Walubengo J <jwalu@yahoo.com> Subject: Re: [kictanet] MPESA - Monopolies commission To: ngethe.kariuki2007@yahoo.co.uk Cc: "KICTAnet ICT Policy Discussions" <kictanet@lists.kictanet.or.ke> Date: Tuesday, 29 September, 2009, 10:39 AM
Bob, I would look at the fundamentals.
1. who should regulate MPESA/ZAP phenomena (CCK? Central Bank, both, etc?) 2. what makes a player dominant and when is a player deemed to be abusing their dominant position? 3.. what (legal/regulatory) options are available to whichever regulator in containing a hostile dominant player 4. is there sufficient (political) guts to make a ruling?
i have no answers, just thinking loudly. walu.
--- On Tue, 9/22/09, robert yawe <robertyawe@yahoo.co.uk> wrote:
From: robert yawe <robertyawe@yahoo.co.uk> Subject: [kictanet] MPESA - Monopolies commission To: jwalu@yahoo.com Cc: "KICTAnet ICT Policy Discussions" <kictanet@lists.kictanet.or.ke> Date: Tuesday, September 22, 2009, 8:10 PM Hi,
I have been monitoring the growth of MPesa and I am getting concerned that we shall soon be held ransom if its growth is not monitored and their none competitive activities stopped.
We are more concerned about number portability yet this will only benefit a few foreign investors yet mpesa has become so
pervasive
yet the tax consuming regulators do nothing to protect the consumer.
The success of safaricoms mpesa has been so meteoric that it has scollen their heads to the point that there officers have become more powerful than the dreaded mungiki. They determine who can open an outlet where and which outlet will be shutdown.
On the other extreme is the terms that the agents are giving such as they cannot provide the services of a competing provider. Imagine if KCC or Elliots wher giving the power to determine who can ot cannot sell their products and also require that you do not sell a competing product where would the milk and bread industry be today.
If even KBL realised that a retailer must be free to decide which products to sell and not be bullied into selling the products of a particular brewer.
Competition is about a level playing field of which the money transfer business it not, why should a grandmother in Budalangi or Kangaita who has a Zaine line be denied the opportunity to receive funds from her grand children because the only shop keeper within a 5 KM radius of her home is not allowed to offer multiple money transfer products, yet he can sell Tuzo, Brookside, Fresha, Haifa or any other brand of milk.
We are regressing very first and unless the regulators do what they are paid to do with our hard earned taxes then we soon shall be be cornered. This keeps looking like the mark of the demon that is quoted in the bible.
Somebody stop this madness.
Robert Yawe
KAY System Technologies Ltd
Phoenix House, 6th Floor
P O Box 55806 Nairobi, 00200
Kenya
Tel: +254722511225, +254202010696
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participants (7)
-
John Kariuki -
Leonard Aloo -
robert yawe -
Sean Moroney -
Solomon Mburu -
Walubengo J -
Zachary Ochieng