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Equity Bank unveils its MVNO strategy
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bird_man
#11 Posted : Monday, May 26, 2014 11:52:54 AM
Rank: Veteran

Joined: 11/2/2006
Posts: 1,206
Location: Nairobi
maka wrote:
kollabo wrote:
Think Think Am skeptical. I think their track record with ATM breakdowns speaks for itself.

My thoughts too...

Have you been to an Equity ATM for the last 1 year?Hardly ever breaks down.Plus you cant compare ATMs & a sim service.ATMs could be down for sooo many reasons e.g fibre cut,switch problems,power issues,ISP network issues.

If Airtel can deliver on network hosting...expect no downtime.
Formally employed people often live their employers' dream & forget about their own.
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heri
#12 Posted : Monday, May 26, 2014 12:01:24 PM
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Joined: 9/14/2011
Posts: 869
Location: nairobi
What if airtel pulls out of kenyan market since it has been struggling? Or will this partnership reverse airtel fortune
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selah
#13 Posted : Monday, May 26, 2014 12:17:04 PM
Rank: Elder

Joined: 10/13/2009
Posts: 1,950
Location: in kenya
heri wrote:
What if airtel pulls out of kenyan market since it has been struggling? Or will this partnership reverse airtel fortune


Airtel is selling its Infrastructural Arm that manages the BTS and all the related infrastructure it will be the biggest Deal in Africa.The Auction will be done I think by next month.

To be efficient Telcos are shedding their capital intensive units and concentrating on their core business which is service oriented.

This kind of arrangements where Infrastructure is managed by separate entity will make Equity MVNO more efficient since they will not need to inject any cash to the infrastructure.

http://www.mobileworldlive.com/...-airtel-tower-bid-report
'......to the acknowledgment of the mystery of God, and of the Father, and of Christ; 3 In whom are hid all the treasures of wisdom and knowledge.' Colossians 2:2-3
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mlennyma
#14 Posted : Monday, May 26, 2014 12:20:16 PM
Rank: Elder

Joined: 7/21/2010
Posts: 6,194
Location: nairobi
Airtel pulling out will leave a running business with a different owner so i think a new owner will still want to get business from equity and the rest.
"Don't let the fear of losing be greater than the excitement of winning."
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CASHFLOW202
#15 Posted : Monday, May 26, 2014 1:17:04 PM
Rank: New-farer

Joined: 4/6/2013
Posts: 95
Those charges are the real deal. It's a good blow to pesa after they have been taking a lions share of commissions in every transaction one makes.
However they should be well decisive to add voice and sms services in their Sim cards.
Monopoly was the industrial age money game and the name of the new game of money today in the information age is CASHFLOW
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Museveni
#16 Posted : Monday, May 26, 2014 1:54:47 PM
Rank: Member

Joined: 8/16/2012
Posts: 661
CASHFLOW202 wrote:
Those charges are the real deal. It's a good blow to pesa after they have been taking a lions share of commissions in every transaction one makes.
However they should be well decisive to add voice and sms services in their Sim cards.

That would break the proverbial camel's back.

Margins in voice are slim & cost of maintaining clients hooked on the service are not very enticing ( Saf's post paid tariff withdrawal from market ).

Also, this is a fat opportunity to the enterprising to come up with/invent/import/customize devices (think digital wallets) that will maximise the potential for these mobile transactions without necessarily being phones, meaning their cost will be lower since the stringent measures applied for phone compliance do not apply.
Live and learn; and don’t forget, nothing ventured, nothing gained.
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Rahatupu
#17 Posted : Monday, May 26, 2014 2:54:12 PM
Rank: Veteran

Joined: 12/4/2009
Posts: 1,982
Location: matano manne
They will have to deploy "Agents" in the same manner and numbers as Safaricom. This will be battle royal oh.
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innairobi
#18 Posted : Monday, May 26, 2014 3:43:15 PM
Rank: Member

Joined: 9/2/2010
Posts: 845
Good for competition, choice, quality of service and pricing. But Equity better be keen on creating and growing their own space. If they are banking entirely on displacing Safaricom, I do not see that happening any time soon for numerous reasons not least of which is depth of pocket.

Free sim cards and low pricing alone will not lead to mass migration from Mpesa if we are to go by Kenyans peculiar habits. Would have been great though if Equity could find a way to deploy this strategy in the more virgin markets outside Kenya i.e. East Africa.
All my friends are heathens, take it slow. Wait for them to ask you who you know. Please don't make any sudden moves.
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ngapat
#19 Posted : Monday, May 26, 2014 5:11:22 PM
Rank: Veteran

Joined: 12/11/2006
Posts: 930
Another way equity and other banks can venture into mobile money transfer business is by coming up with a money transfer app to run on smart phones. Withdraws and deposits can then be made via agents or design scratch cards of various denominations that one can use to load money to their money transfer accounts.
“Invest in yourself. Your career is the engine of your wealth.”
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CASHFLOW202
#20 Posted : Monday, May 26, 2014 5:40:45 PM
Rank: New-farer

Joined: 4/6/2013
Posts: 95
Museveni wrote:
CASHFLOW202 wrote:
Those charges are the real deal. It's a good blow to pesa after they have been taking a lions share of commissions in every transaction one makes.
However they should be well decisive to add voice and sms services in their Sim cards.

That would break the proverbial camel's back.

Margins in voice are slim & cost of maintaining clients hooked on the service are not very enticing ( Saf's post paid tariff withdrawal from market ).

Also, this is a fat opportunity to the enterprising to come up with/invent/import/customize devices (think digital wallets) that will maximise the potential for these mobile transactions without necessarily being phones, meaning their cost will be lower since the stringent measures applied for phone compliance do not apply.

The infrastructure is ready. It's not like they have to set it up. And their Customers service center is there also to handle queries. I don't see why they would deny their customers the convenience of voice, sms, and data especially with most people needing to call their help desk for guidance as they Gain ground on educating the mass on this new way of doing great banking.
Apps on that Sim or on smart devices will need data connectivity and unless you live in nakuru where there is free Wi-Fi d'oh!
Monopoly was the industrial age money game and the name of the new game of money today in the information age is CASHFLOW
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