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

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 18^th 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

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)

#SafaricomKPMGScandal: The madness from the CEO Bob Collymore continues as the plan to deflect the scandal in the press is not fulfilled!

There are days and a fortnight since the unintended release of draft papers on the KPMG Audit report that alleged conspiracy of corruption and illegal tender buying of the central leadership in the Safaricom Limited Kenya. The State-own telecom Company, which are partly owned by the Vodafone as well have entitled themselves into hole because of their leadership. These allegations have not stopped and the press is still just spreading the words of Bob Collymore, not the words of the report and what it really means.

It’s like the KPMG draft report wasn’t released as the biased bought media through the massive war-chest of PR money can silence the Kenyan Media and even create a many Twitter Bots and Social Media bots to try to dismiss the leaker and blogger Cyprian. That is just weak-tea… If you are having trouble with the allegations coming from an internal report, it is time to respect the knowledge that those who have read it, presume they understand the implications and the effects of actions from the Safaricom leaders and what this decisions did with the monies the company profits are used.

The Kenya National Police Service should use their detectives to find out who leaked it to the blogger is nonsense, as the facts and questionable behaviour of the Safaricom leaders should be questioned and briefed, as this thieving is the cardinal sin, not the ones that strawmen spreading it online. It’s like putting the blame on the nail for the existence of plywood for the wall. You need the nail to put the plywood on the wall. The wood is needed to be there before the nail puts it together. The nail is the leak, as the wood was already there for the taking!

That CEO Bob Collymore didn’t want this out, is because Vodafone was asking into the affairs of the business and the model of procurement from Safaricom. The audit from KPMG was certainly not entailed to enter public space, but when your corporate governance is so shady, the dirty laundry would by some time end in the hands of a whistle-blower, apparently, it did.

That Bob Collymore and Safaricom have used the WPP-Scangroup to marketing and PR, so that these issues could go away; as the PR Firm gained a tender worth Ksh. 2.1 billion between December 2013 and January 2014. Certainly their business must be thriving as the closeness between Collymore and their CEO Bharat Thakrar, who even attended the recent wedding of Collymore. That is a bit close relationship between the corporate leaders, isn’t it?

As we can question the media’s view on the release of the KPMG draft report as the Standard Group’s Management Editor Joseph Odindo sent a memo to all editors ordering them to kill any story relating to Safaricom and the KPMG Audit. So when a chief editor says to all of the leaders who picks stories to Publish are dwelling away with the ones connected to Safaricom, that shows again how embedded the Kenyan Press are with the Company. It is not a conspiracy, as this is one of many who are already implicated to shut this story down. And the reason why I write again about it; that is why KTN News only dropped the Safaricom Press Statement, but not questioned a single word in the leaked draft report like they would catch Ebola or a deadly disease by doing so.

What does such a CEO Robert (Bob) Collymore of Safaricom Limited do as a credible leader and business-man to be parts of the Global Compact Board of United Nations for good governance in business, as the Safaricom scandal shows that his hands are dirty and need a clean before he shows etiquette and ethical leadership towards others in words in the United Nations board, as his company is run by single tenders and by close relationships of leaders who have taken orders instead of following companies own procedure for procurement, and that man should give ethical advice in the United Nation board? Dumb-Dumb, part of the leaders who runs the world, aye? Ban Ki-Moon should re-evaluate the board and he may have more corrupted leaders in the United Nations boards, as even Bob Collymore has showed in the paperwork.

The news that inspired me the most was not the connection between media themselves and the Safaricom advertisement money. But that even the fried of Bob Collymore, the other CEO of WPP-Scangroup Bharat Thakrar also attacks the blogger Cyprian, trying to shade him with allegations of working with the rival company Transcend Media Group and the lawyer Mike Njeru. I am just waiting for Tintin, Mr. Smurf and Cinderella to have love-affair. That is as plausible that a blogger Cyprian who writes fiercely with notions of BS, have a connection with other party that Honourable Thakrar claims. Collymore have already used all kind methods to silence the released papers that makes him look foolish, as they have had property deals, tender agreements for M-Pesa another ones that are questionable, together with the level of paying of media and even entering media house with Police Officers to intimidate them for writing about the scandal.

When you goes this far and when you use these methods, even wants to use the police to arrest the man who has not done anything illegal, if it is illegal to write about corruption and violence, then I, myself is a common criminal, therefore that the CID is written up about Cyprian is nonsense, as the Safaricom Limited deals are the shady ones, not the writing about it. That it is not what the CEO Collymore wants, that is understandable as nobody wants their bad tenders or the shady agreements into the public space, therefore the KPMG Audit was not a planned release of information or something that the Safaricom Limited wanted to for-see as the business would rather see without it. That is something we all understand. Still, the Cyprian leak is not his making, it is Safaricom and CEO Collymore has done the bad deals, not the blogger or the media.

So if CEO Bob Collymore wants to be brave now, is to go through the fire and swallow the nonsense and take responsibility of the Huawei, One-Campus and the other deals that was disclosed in the KPMG audit report, though I doubt he has the heart to do so. Why he doesn’t have the heart? Because as pointed out he has used all kind of money and intimidation towards media even to silence the story, while also writing Cyprian up to the CID. That is just showing how wrong from the start of the leak Mr. Collymore has been. If he was a man of fair and justice, if he was a man of honour he would have cleared the agreements and signed tenders with fellow companies to show that he wanted a clean slate after doing corrupt business. Instead he has tried to mute the discussion and laundry in the public. Well, Mr. Collymore you should plea now and stop paying media to cover your dishonesty. This because the papers are leaked and will stay leaked. You cannot go back in time and become Marty McFly, you are a real man Mr. Collymore and the responsibility for Safaricom Limited is in your hands. So now time to take that responsibility and step your game up and stop with them shadow games, you and your PR Team is not good at it. Peace.

Safaricom Statement Regarding Allegations on Corporate Governance (20.05.2016)

#SafaricomKPMGScandal: Pages from the Draft report in question of 18th February 2016