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Archive for the tag “Bob Collymore”

IEBC: Press Statement on the Adoption of Internal Audit (24.08.2018)

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Kenya: Safaricom notice to Customers: Voice and Data Outage (22.07.2018)

IEBC – Re: Suspension to Complete the Comprehensive Audit of all Major Procurements Relating to the 2017 General and Fresh Presidential Elections (14.06.2018)

Chebukati using Chiloba as IEBC’s fall guy!

It is clear after CEO Ezra Chiloba yesterday was reinstated and won the court case, he could get his job back. However, Chairman Wafula Chebukati did suspend Chiloba again. This is a ploy to keep himself on top, while damaging Chiloba. It is a very simple game. They are not fixing the issues within the Independent Electoral and Boundaries Commission (IEBC) instead they are fitting the blame on one by one.

That is ancient political game, which Chebukati is doing as much as he can. Since most of the key advisors and Commissioners fled the scene in 2017. The ones that was in on it is gone. They have done it because they cannot stomach the issues and the rigging. That is clear by the ones fleeing and showing the internal memos from the elections last year.

Therefore, Chebukati should be more careful, but in the Handshake era, he knows he can get away with it. He will not loose and that is evident by his actions. Wafula would act differently if it would cost him or his honour. But at this stage he will get away with it.

There is nothing showing signs of change or progress, neither any signs of retribution or even care from the Jubilee. Who had ordered the showdown and the elections to secure a second term for Kenyatta! That is why they just let it be and go-on like nothing has happen.

The IEBC is playing the public for fools blaming Chiloba. Yes, Chiloba did a lot and has done lots of damage. That has been evident, however, the whole IEBC has orchestrated it and all are to blame. Not just Chiloba, he is the fall guy as we speak. Nevertheless, the other commissioners and the Chairman knows perfectly well, what went down. He is just using Chiloba as a pawn and a useful one as that.

So don’t get caught in the hype, thinking that Chebukati does this out of concern of IEBC. He does this out of concern of his own job and not wanting to lose the title. Even as he himself has done major parts of the rigging and the electioneering in favour of Kenyatta. We all know that, he is just acting as if we don’t.

The naïve might eat the crap, but I beg to differ. Because I won’t be played by shadow games. Especially when I see them from afar. Peace.

The nine lives of Chiloba!

“REPRIEVE FOR IEBC CEO Ezra Chiloba as court directs that he resume work pending determination of case he filed after he was suspended” (Nation Breaking News, 14.06.2018).

After the failed attempt to cover-up their mistakes and the rigging in 2017. CEO Ezra Chiloba has been the fall guy of the whole Independent Boundaries and Electoral Commission (IEBC). Everyone with a working mind knows the numbers was juiced up in the Fresh Presidential Elections and also in the first round of 2017. That is well-known and denying it is only fools at play. Even if the Supreme Court validated it, that because the case made for the court wasn’t any good the second round.

Therefore, the IEBC who has had major commissioners fleeing the scene, as they don’t want to associate or be apart of the rigging affair. As the dubious attempts to create legitimacy for the second term of Uhuru Kenyatta was under way. Where all parts from ballots, BVR Machines, Digital Transmission of Results to even the Safaricom blunders. Everything that was questionable, could be questioned without any concern of malice. Since the IEBC did a shady job and the high ranking officials didn’t deny it either. As the Internal Memo’s was released showing more breaches and questionable behaviour.

That Chiloba get back his job after a Court Order isn’t surprising. It is surprising that it took this long. But that is good tactic, as so many forget the grievances of last year. That was mid-2017 and late-2017, now we are mid-2018. The Handshake has already squashed the beef and made sure the Jubilee can survive without too much interference for another day.

Chiloba seems to survive again. That is because of indifference and the heartache. This is because of the nature of affairs. As the corruption scandals and the other fresher evident of theft is more dire, than the previous affairs of electioneering effort to keep the President.

That is why Cambridge Analytica/IEBC Server connection, the whole charade of an election and the questionable results, the lack of voter turnout verifications and the shady voter-rolls, as well as the breaches of trust between BVR Company OT-Morpho/Safran is there. Because the Chiloba aftermath never has been solved.

Chiloba seems to get another life. But it is not because he is good or cares about his job. It is more that he serves a purpose for the regime. That is it. Now that the months and days has gone. The Jubilee, Ruto and Kenyatta hopes that the people have forgotten. Now more preoccupied with the current scandals of the day. The open day looting of state reserves. That is the end-game of a illegitimate regime. They don’t have to answer to anyone. Except for the computer generated bots that elected them. Peace.

Opinion: Is Collymore the only person who can run Safaricom?

That Bob Collymore has no returned to Safaricom is a sign of the state of affairs, the man whose through 2016 got the dirty laundry in the streets for everyone to see. That Safaricom and Vodaphone takes him back. Shows that the company is so big, it doesn’t care about public perception or their ordeal of the last two years. As they can get scratch free from the dirt and thinks people forget. Collymore is a shady character and runs a dirty business. However, it is profitable, that is why the leadership above him keeps him. They want the easy money and wants to run the market of telecom’s in Kenya. That is what Safaricom does so well.

That Collymore was directly involved in the General Elections, that his misuse of the company within the Results Transmissions, that doesn’t matter now. That the Safaricom used their backbone to support the Jubilee, by canceling and stopping the M-Pesa Paybill to the National Super Alliance (NASA). Shows the lack of tolerance and their political stance. They did that with passion, while fixing and making sure the fraud of an election went through with their back-channels with the Independent Electoral and Boundaries Commission, also with Cambridge Analytica and whatever else that was needed to secure the results into the famous undisclosed server. Collymore did this and fixed that with IEBC, while stopping the cash-flow to NASA. A clear indication of his works. That was the year after the damaging internal report from KPMG.

The KPMG agreement showed how the Safaricom misused their place, their tenders and the procurement of installations of 4G, M-Pesa software and direct dealing with third-parties. This was done in a fashion where the leadership was eating of the top and putting the bills on the consumers. At a rate that was insane. That the 18th February 2016 KPMG Report should mean the end of a career for a leader and CEO like Collymore. But Vodaphone doesn’t give a rats ass. They don’t care as long as their profits are souring in Kenya. They are oblivious and nurturing their pockets, nothing else matters. Even if they are within the pockets of cartels, election-rigging and midst of public outrage. As long as the pockets are filled with shillings, they don’t mind. They can still be proud-cock and be chiefs.

That Safaricom paid of the local-media houses with ad-revenue, that they used their place to keep themselves on top. That doesn’t matter, because the results are blindly positive, even if everyone know knows that the company is run like the mafia. Controlling everything it can, not only selling Mobil-Data, Mobile-Money and Communications, but they are also a FinTech company that has the information on the public that other doesn’t. Who knows how they are using that and misusing that to gain even more profits. When Facebook does it? Why shouldn’t Safaricom too?

That Collymore should be gone, that is the reality, there should be someone who could muster trust and show that its a decent company, not a pillar of power in Kenyan Politics. Which it has become and where it muster all capabilities with the funds to slash stories in the media and also to be directly involved in Results Transmission during the General Elections. Therefore, the importance of the company is beyond communications between the citizens and their data. But also the perception of the trust between them.

Collymore is now the epitome of what is wrong with businesses in Kenya. He is the significant prospect of someone who misuses his position for monetary gain. Instead of being there for just simple services and leave the office in the night. He has directed the company in the midst of public space, making sure his stories are portrayed and cleaning the dirt of his hands. Even if it doesn’t go off, it won’t, not this way.

So Vodaphone, I have one important question:

Where the no-one else on planet earth that have the capabilities to run Safaricom?

Seemingly there should be, but your still behind the man that are really involved in shady deals for you. Taking the dirt and eating it, so that the stakeholders can eat the profits without any questionable

IEBC: Press Statement from Chairman Chebukati (16.04.2018)

IEBC: Joint Statement of Resignation (16.04.2018)

A IEBC Mirage: Chiloba on leave again, but the system is still the same!

A mirage is a sort of optical illusion, a reflection of light that can trick the mind into interpreting the sight as an apparently solid thing. It makes sense, therefore, that the word mirage has its roots in the concept of vision. Mirage was borrowed into English at the dawn of the 19th century from the French verb mirer (“to look at”), which also gave us the word mirror. Mirer in turn derives from Latin mirari (“to wonder at”). Mirari is also the ancestor of the English words admire, miracle, and marvel, as well as the rare adjective mirific (meaning “marvelous”)” (Merriam-Webster – ‘Mirage’ 02.04.2018)

The Independent Boundaries and Electoral Commission (IEBC) announced today, that CEO Ezra Chiloba would be put on temporary leave after an internal review and report. This was a decision made by the Commissions Plenary Meeting on the 6th April 2018. Still, what is striking the reluctant attitude towards delivering any substance of reasons. This isn’t the first time the CEO Chiloba was put on this sort of leave, then he was chilling at a Hotel, while the Fresh Presidential Elections was on-going.

Not like the IEBC can be trusted, as the breaches, the server connected to Cambridge Analytica, the death of the ICT Manager Chris Msando, the tenders to OT Morpho for the fraud of BVR Equipment, combined with Safaricom and the ones already printing the ballots. The whole 2017 in the eyes of IEBC should be how to shatter all public trust in one institution. There was two rounds of Presidential Elections and none of them was trustworthy, because of all lacking performance of the IEBC. I don’t care if the Carter Center, American Ambassador or the IGAD/AU Mission praise the events.

The lack of respect for voter registration, the bounds of how many who could actually vote differed with times. The voter turnouts was extreme and abnormal, the evidence of corrupt forms and the lack of oversight was evident. As even parts of the political players gave-up following the IEBC and their inner-works, it was a shoddy display and lack of character. The display of ignorance and cooking the books was the mission of the IEBC. They worked so hard to make things official, but in the end. Only the naive or the ones paid to, would believe the numbers and the calculations. The 26th October 2017 and the 8th August Election 2017. Are two strikes of injustice done to the Kenyan people in favor of the Jubilee Party.

They can try to say, we are putting him on leave, so Chiloba can learn his lesson. But they have used that trick and it was all in vain. That because the system is made for rigging, because the political powers to be, want it rigged. Kenyatta and Ruto wanted it rigged and secured in their favor. They couldn’t care less about the will of the people. They are useful props in the Harris Media/Cambridge Analytica/PSCU messages and press releases. Rest of the time, they are just a hassle that comes with the job.

The IEBC cannot use the same mirage, the same trick twice, they did the same to him in October 2017. Now they are pulling the same plug in April 2018. Like we don’t know the IEBC is lying to us yet again. Because someone wants to push the agenda and make a forgery look real. It looks like Monet, but the brushes is not. It is a make believe, a copy and a fraud.

The IEBC has to work harder to be taken serious. We know they are a machinery to deliver the wanted results the Jubilee wants. To say something different would be taken as a fool. I prefer not to be, especially with knowledge of how these people rig the game. The end-game in favor of the rulers and policy makers.

The Chickengate brought down one part of the IEBC, but the not the part of the rigging, neither the part of suspect tenders and corporations ready to cook the books. So the IEBC got a lot of work to do and that does not involve playing tricks with society. Unless, that was the brightest idea Cambridge Analytica could come-up with. Peace.

FinTech Companies in Kenya: Are now evading the personal space of costumers to provide them services!

Today, I will write about how international businesses are using their power and their markets strategy, while people are giving up their private communications and other vital information for simple transactions between family and friends, also when borrowing micro-credit or buying solar-cells through credit. This is all based on the Privacy International recently released report and the quotes are taken from there. It shows vital information taken from citizens who uses apps and financial services in their daily lives. Clearly, they have accessed certain freedoms for the trade with these Kenyans. The business transactions and the trade is not only making direct profits for the corporations allowing direct transactions, but also delivering services like payday loans and buying equipment. Still, it has a special price and they have to sign-up to give away certain aspects of their lives to gain this. That is what is interesting because it says something of how much of the personal space these corporations are getting from the persons they are profiting from!

The term ‘fintech’ has been defined by PricewaterhouseCoopers (PwC) as: “a dynamic segment at the intersection of the financial services and technology sectors where technology-focused start-ups and new market entrants innovate the products and services currently provided by the traditional financial services industry.” (Privacy International, P: 10, 2017).

Yet a change that has not been much explored is that M-Pesa also produces a vast amount of data for the telco Safaricom. Each of the millions of transactions that take place a year tell a story. They tell the story of how the small business is operating: the money they’re sending to their suppliers, the transactions that are taking place. But it tells other stories as well: the money that comes in and then is sent to the hospital. The school fees paid by the biological father, unknown to anyone except the mother, father and Safaricom. But there is also a way in which this data is known by third parties. The transmission of the content of the money transfers over M-Pesa is encrypted. However, the details of any transactions are sent, unencrypted, by plain SMS. Even if M-Pesa transactions themselves are sent via secure and encrypted means, the account information is not. The messages that someone sends for receiving or sending money include the name of the recipient (from the registration of the SIM), the amount sent, and their current balance. This facilitates the gathering of personal data by apps. The fact that the transactions can be tracked becomes a large part of the power of the lenders, as in the Kenyan example, leaves a trail via the M-Pesa SMS messages for both customer and retailer. As shall be illustrated, this is an aspect of M-Pesa of which fintechs are able to take advantage” (Privacy International, P: 29, 2017).

Tala App:

From the data provided by the app, decisions are made about whether and how people repay their loans. One of the key pieces of data is to analyse the content of SMS messages for the records of M-Pesa payments. These are very valuable records to analyse; for example, if the person seeking a loan has a small business, it is a good measure of the health of the business and the money entering and leaving the business. But, according to Tala, it can also be used to analyse how people are actually using their loans, as frequently the money they receive from Tala will leave someone’s M-Pesa account immediately (for example, to pay school fees or a hospital loan, or an individual). But the analysis of the data by Tala extends beyond this, to make analyses based on data and information that are, at best, unexpected to be used for credit scoring. For example, Tala analyses call logs: their analysis has found that people who make regular calls to family are 4% more likely to repay their loan. To do this analysis, they need to know who your family is: from the content of text messages that call someone “mama”, and the pattern of calls” (Privacy International, P: 30, 2017).

Branch:

One difference from Tala is that Branch also makes use of Facebook for authentication; as discussed below, this is allowed under Facebook’s terms and conditions. Another factor that Branch uses for its decision-making is the behaviour of your friends, and their repayment patterns for Branch loans. How does Branch know who your friends are? They have a refer-a-friend feature (as does Tala), which is one source of this data. But they can also see your Facebook friends, and your call log to know who is contacted regularly” (Privacy International, P: 31, 2017).

M-Kopa:

The data that M-Kopa gathers from the device via the SIM is information like location (using cell data, not GPS), the charge level in the battery, and what devices are plugged in. They will also soon be gathering data on the television programmes watched. This specific data on programming is not data that it is planning on selling, but rather to use to develop its own services in the future. M-Kopa’s website states that, “After completing payments, customers own the product outright.” However, the customer does not own their data. The terms and conditions of a M-Kopa loan make the company’s position on data clear: “M-KOPA shall have absolute and sole ownership of … the data which is obtained by the Customer’s use of the Device.” Customers have no right to even see their own

data, apart from the provisions under Credit Reference Bureau rules. For M-Kopa, it ultimately comes down to a business decision: “If data privacy was important for the Kenyan consumer, we would do it,” states Chad Larson, the Chief Credit Officer at M-Kopa. At the same time, both M-Kopa and its investors have a viewpoint that their use of data is ethical” (Privacy International, P: 32, 2017).

Control over the data:

A significant issue with the fintech companies in Kenya, is that they keep access to the data. They keep the data—and, in some cases analyse it, even if the user has stopped being a customer of theirs, and has deleted their app. Branch is explicit that it keeps the data even after a user uninstalls the app, and admits it is possibly doing further analysis on it, “we have that right.” Tala encourages people, even if they have been rejected for a loan, to keep the app; if they do delete it, Tala retains their data. This is so that, if the customer returns later, they can reinstall the app, go through some simple KYC checks, and be able to borrow again. M-Kopa, on the other hand, continues to collect data from the device even after the loan has been repaid” (Privacy International, P: 33, 2017).

Just as this reveals that Safaricom, the partly owned Vodacom Telecom Business have no trouble through the M-Pesa, the Cellphone Mobile-Money Transactions, that they can hold onto all information between all parts of the transactions. Like how a person send the messages of giving money to friend/family and at what point they picking up the mobile-money. This personal data is all incorporated into their apps, as they provide the services and keeps this fintech data on each of their clients.

As we see with the Tala App, which is also used to get loans. Tala analyses the personal SMS’s from the client to either give or not accept proposals for loans from their services. Tala are looking into the M-Pesa messages given to the client and are scanned by the app. To see if the client can actually be able to repay the debt possible sign-off from Tala. This proves that the Tala App is checking the credit history done with the services of M-Pesa, which is Safaricom/Vodacom. Branch another Fintech app is taking it further, they are also analyzing your behavior and who is your refer-friend on Facebook. They are clearly entitled to the private information of your networks before you get a loan. So they know exactly, who and when you contact friends and family on social media before giving you a loan. It shows how personal and how much information on app can get before you get the services needed from them.

M-Kopa are another one, who is directly saying that all information collected from their costumers are their to own and to use for later costumers. It can also be used after the usage. More of these Apps seems to do so. They are keeping this personal data even after the transactions, the loans and the purchase. This can be used to further get clients and knowledge of when the costumers need it more. So they can get them “addicted” to the services. We have no idea how they store this personal data or who they trade it with after gathering it all.

This should all be scrutinized and questioned, as it breaches with personal space collected with marketing and simple ploy to generate enough information to be able to gain the services from the companies. These companies are vultures of the costumers private space and uses it as leverage for their trade.

It is worrying how far they are taking it and how much personal information they are gathering to give them these services. Peace.

Reference:

Privacy International – ‘Fintech: Privacy and Identity in the New Data-intensive Financial Sector’ (November 2017)

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