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Archive for the tag “Bob Collymore”

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.

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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)

Kenya. Thirway Press Release on the Current State of the Nation (15.09.2017)

Office of Public Prosecutions letter to Kura Yangu Sauti Yangu – “Re: Petiton to Undertake Investigation and Necessary Prosecution on IEBC Staff” (14.09.2017)

Kura Yangu Sauti Yangu – Petiton: “To the Chairman of Independent Electoral and Boundaries Commission” (15.09.2017)

NASA Position Paper on Irreducible Minimums before the Fresh Elections are held (15.09.2017)

Opinion: The Jubilee Party are hypocrites for their ‘Loose Face Campaign’ against CJ Maraga!

The Jubilee Party are clearing changing their tune from 2016, when they was bravely saying the CORD or now National Super Alliance (NASA) was unlawful with their disregard of the law with their demonstration. So, that the Jubilee are now targeting Court Justice David Maraga, proves the ruling regime is cunning and not caring about their legacy.

Since on the 1st June 2016, the then President Kenyatta said this:

It is particularly saddening that those who were at the front in supporting the enactment of the Constitution are now turning against the same laws” (…) “We must be a nation that respects and follows the rule of law” (Kenyatta – ‘Be wary of selfish leaders, President Kenyatta cautions Kenyans’ 01.06.2016).

So why does the CORD/NASA has to follow the rule of law, but when the laws apply to Jubilee, they have to get rid of the Court Justices? They are now this September having campaigns to make damage of the reputation of Maraga. The man behind the team that nullified the Presidential Election of August 2017. This has clearly hurt the Jubilee Alliance Party, therefore, they are attacking the ones who did it.

Jubilee are hypocrites, who in power tells the opposition to follow the law. But the moment it hit the fan, they are attacking it harder and wider than what the Opposition did. The opposition went to the streets to change the IEBC and the leadership after Chicken Gate. It’s like the corrupt leadership of IEBC wasn’t an issue and is still not an issue. If the Jubilee cared about governance and transparency, they wouldn’t attack the courts and judges who did their job. But they would challenge and reform IEBC, not save it and try to do the same as they did in August.

That is what the Jubilee are doing, they are saving the leadership and trying to spin-it in favor of them. As the days to October get’s closer. Instead of actually making a difference. They are attacking the CJ Maraga, because they don’t know better. They doesn’t care about rule of law, only about their own power and control. The Jubilee Party wants to control it all and take the power by all means. So the Jubilee are not respecting the Courts and their mandate. As they are going to war against Maraga.

It is sad to see the levels of disrespect, the levels of unbound judgment of the judges. They should respect the Courts. But they don’t when they want to Maraga to lose face in their campaign. It is insane and sad. The Madness should stop, the crazy train should leave Mombasa and not come back after a party on the beach. It is time to eat a chapati and chill. This sort of act is not presidential, this is not what to expect of a party of incumbent. The attack on Maraga is childish and not respecting the Courts, the laws or understanding the Constitution. The petition should be dismissed as the nonsense it is. It is a witch-hunt, without a witch! Peace.

NASA Letter to IEBC: “Re: Fresh Presidential Elections” (14.09.2017)

NASA Statement on IEBC Preparedness for Fresh Presidential Election (14.09.2017)

Jubilee letter: “Ref: Chief Justice David Maraga Removal” (14.09.2017)

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