MinBane

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Archive for the tag “Kenya National Police Service”

Makerere University Students’ Guild: Solidarity Statement against State Brutality during the JKUAT Student Protests (12.11.2019)

Kenya Police Service: Press Statement on the Arrest of an Al Shabaab Suspect (13.07.2019)

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 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

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: IPOA Launches Investigations into the Alleged Assault on University Students by the Police (29.09.2017)

Kenya: IEBC – “The Commission wishes to notify the public that one of its ICT Managers was last seen on Friday night. Efforts being made to trace him” (30.07.2017)

Kenya: Thirdway Alliance – “Press Release on the Presidential Ballot Papers Due Dilligence Update at Al Ghurair Printing and Publishing LLC in Dubai, UAE” (28.07.2017)

Kenya: IEBC – Code of Conduct Summons on Marsabit Violence (27.07.2017)

I wonder if President Kenyatta feel he is entitled and that it is beneath him to have a debate with Odinga?

You can wonder and get amazed, he did the same trick President Museveni did in the General Election 2016, and he did not show up at the live TV debate between the Presidential Candidates. Just like in Uganda, his arch nemesis showed up and that was the NASA candidate Raila Odinga. Not that all the other candidates showed up either, but it was only one-half of the main candidates. That the incumbent President Uhuru Kenyatta of the Jubilee could not show is amazing. Especially, since there were reports that he ditched the planned rallies on the same day.

At this point, it does not matter what Odinga said yesterday at the Debate, he at least showed up on Primetime TV spot and showed himself for the republic and the incumbent could not care less about the arranged debate. What is so dangerous about it Kenyatta? Is it terrible to ask questions about your achievement in office?

It seems so, since you could not spare the time or the effort to show up to the debate. Only one that was on live TV and on most of the channels. I would have loved to discuss the difference in style and in chose of words to the different questions between Odinga and Kenyatta. However, I cannot do that, since it was one party there and the other left behind.

So at this point, it is mere enough for the support and the courage of Odinga, just to be there and take the questions from journalists and the audience, something the President was to big to do or something like that.

His State House Spokesperson Manoah Esipisu wrote this today: “Today, His Excellency President Uhuru Kenyatta will commence an intense 12-day tour of Kenya, to meet fellow citizens from all walks of life, in all regions of the country. His last campaign events will be in the capital Nairobi on August 6 – 48 hours before the August 8 elections. This will be the second round of an all counties campaign where the President will take his message to Kenyans. Only this Sunday he completed a 14-counties blitz covered in seven days in which he put his call for unity and peace at the heart of his campaign agenda. These meet-the-people visits will see the President traverse 30 counties, making stops at more than 200 campaign stops. His Excellency the Deputy President, the Honourable William Ruto, will be visiting dozens of counties as well, making another 200 campaign stops. The President is going directly to the people to demonstrate what the August election is about – himself as someone who is fighting to deliver benefits, success and prosperity to the people versus an opposition challenger who is only after power for himself” (President.co.ke – ‘Spokesperson’s statement’ 25.07.2017).

It is okay, that the President campaigns and travels to every corner of Kenya, that he visit every single county and even every major town of the Republic. Nevertheless, why do he not have the time for a scheduled TV-Debate? Is that too much to ask and anticipate of the President? That the people all through the nation can watch and discuss the differences between him and Odinga?

Let me end on a side-note, but still a viable one. Does President Kenyatta, feel entitled to be the President and therefore a debate about his position and character is beneath him? That is how it can seem like, to not only me, but also many others.

Therefore, we are at this junction and so near the end of the campaigns and race for 8th August polls, there have been significant difference between the NASA and Jubilee from the get-go. In addition, with the time, it is more evident, than ever before. This race will be tight and prognoses seems to be for NASA in many aspects, but hard to grasp yet. There are enough days to see the wind of change. Nevertheless, this is something that is hard to anticipate.

What we can ask ourselves after yesterday’s acts of the President Kenyatta, does he feel entitled to rule and be Executive, or is it just mere arrogance towards Odinga. Peace.

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