Vodafone snubs Libra in favour of growing M-Pesa digital money

Listers,

Regulation follows innovation..its always been.

The issue with Libra is simply timing. FB has been on the naughty step for
sometime, this will change in time.

I agree with @mauxdatabase Libra will indeed be rolled out (albeit a
different format) which I do not know of, how CCB act/react will be the
cue. The Swiss are already far down the road on this.

E Njoroge Mwangi
Technology| FINTECH | Big Data

Cell +44 7539372742
Skype: Erick.mwangi

On Mon, Jan 27, 2020 at 7:42 AM mauxdatabase via kictanet <
kictanet@lists.kictanet.or.ke> wrote:

> @AliHussein Time will tell, just to reiterate my position so it is clear;
> I think Libra will get the necessary approvals at least from the US
> Regulators once its clear China CBDC will launch which could be this year.
>
> Dominance on the Internet at all levels is now paramount Geo-politically
> speaking as the Digital Economy becomes more mainstream and perhaps the
> main economy.
>
> @Rosemary Koech-Kimwatu <chemukoechk@gmail.com> the question remains;
> does regulation follow innovation or vice versa… interested in your
> thoughts?
>
> On Mon, Jan 27, 2020 at 10:27 AM Ali Hussein via kictanet <
> kictanet@lists.kictanet.or.ke> wrote:
>
>> Rosemary
>>
>> Well put.
>>
>> *Ali Hussein*
>> +254 0713 601113
>>
>> Twitter: @AliHKassim
>>
>> Skype: abu-jomo
>>
>> LinkedIn: ke.linkedin.com/in/alihkassim
>>
>> “We are what we repeatedly do. Excellence, therefore, is not an act but a
>> habit.” ~ Aristotle
>>
>>
>> Sent from my iPad
>>
>> On 27 Jan 2020, at 10:18 AM, Rosemary Koech-Kimwatu <
>> chemukoechk@gmail.com> wrote:
>>
>> 
>> Good morning,
>>
>> I think I would have handled the Libra roll out differently. One of the
>> best ways to get acceptance in fairly uncharted waters, especially when
>> dealing with regulators may be to test your products within the licensing
>> framework already acquired, Libra already has licences in most if not all
>> the states in the USA. Then next thing would be to build a community of
>> users of the product with partnerships being developed along the way. What
>> this does is that acceptance for the product is developed almost
>> organically and regulatory limits are increasingly stretched to
>> accommodate the product. The audacious roll out that was carried out must
>> have been unsettling especially in regards to a product that had not yet
>> been widely tested. Every entity that has pulled out of the network is
>> preserving their regulatory good will. Subtle change faces less resistance!
>>
>> Kind regards,
>>
>> On Mon, Jan 27, 2020 at 7:10 AM Ali Hussein via kictanet <
>> kictanet@lists.kictanet.or.ke> wrote:
>>
>>> @John Karanja <mauxdatabase@gmail.com>
>>>
>>> Distribution will mean nothing if the regulators and policymakers decide
>>> to declare it illegal. I know us tech entrepreneurs think we are
>>> invincible and that regulation and policy mean jack to us. I’ve come to be
>>> disabused of that notion. I keep on telling anyone who will listen the
>>> simple truths of life. One of them is this:-
>>>
>>> *”If you are not at the table partaking the lunch, dinner or
>>> breakfast…guess what? You are on the menu.”*
>>>
>>> And you can take that to the bank. Pun intended.
>>>
>>> Regards
>>>
>>> *Ali Hussein*
>>>
>>>
>>> Tel: +254 713 601113
>>>
>>> Twitter: @AliHKassim
>>>
>>> Skype: abu-jomo
>>>
>>> LinkedIn: ke.linkedin.com/in/alihkassim
>>> <ke.linkedin.com/in/alihkassim>
>>>
>>>
>>>
>>>
>>> Any information of a personal nature expressed in this email are purely
>>> mine and do not necessarily reflect the official positions of the
>>> organizations that I work with.
>>>
>>>
>>> On Fri, Jan 24, 2020 at 5:21 PM mauxdatabase via kictanet <
>>> kictanet@lists.kictanet.or.ke> wrote:
>>>
>>>> I don’t disagree on Tether et al likelihood of collapse.
>>>>
>>>> The Federal Reserve can’t match Facebook in terms of distribution
>>>> globally via the internet (Messenger/Whatsapp/Instagram) Libra is a more
>>>> suitable vehicle for the e-dollar, however its created; given China Central
>>>> Bank is angling to do the same with Tencent and WeChat and their CBDC. My
>>>> point is there is a scramble for a dominant Internet Currency which is what
>>>> FB is banking on get Libra approved…
>>>>
>>>> On Fri, Jan 24, 2020 at 2:05 PM Mwendwa Kivuva via kictanet <
>>>> kictanet@lists.kictanet.or.ke> wrote:
>>>>
>>>>> There are many claimed dollar fiat collateralized stablecoins (TUSD,
>>>>> USDT, PAX, GUSD, USDC) and now Libra. Many will end in tears. There is an
>>>>> ongoing court case already in New York on Tether (USDT) that it is not
>>>>> backed by $ on one to one as it is claimed, that there is no $$ collateral
>>>>> to match the claimed value of Tether, and Tether is used to manipulate the
>>>>> value of cryptocurrencies by pumping the price if BTC.
>>>>>
>>>>> My point is, a dollar backed stablecoin is not the same as a Federal
>>>>> Reserve Bank cryptocurrency. A Federal Reserve Bank cryptocurrency will not
>>>>> be backed by the dollar because it is the dollar.
>>>>>
>>>>>
>>>>> On Fri, Jan 24, 2020, 12:47 PM mauxdatabase <mauxdatabase@gmail.com>
>>>>> wrote:
>>>>>
>>>>>> Agreed, Libra according to Facebook will largely be backed by USD so
>>>>>> it is really a Corporate manifestation of the eDollar; plus we are talking
>>>>>> about a generational play here driven globally by millennial’s and younger
>>>>>> they are looking(demanding) for both convenience and choice.
>>>>>>
>>>>>> They will run to whichever e-currency(s) have both, which is why its
>>>>>> a race…
>>>>>>
>>>>>> On Fri, Jan 24, 2020 at 12:05 PM Mwendwa Kivuva via kictanet <
>>>>>> kictanet@lists.kictanet.or.ke> wrote:
>>>>>>
>>>>>>> It will be hard to dislodge the dollar. Federal Reserve Bank cas
>>>>>>> create a dollar serve stablecoin and tht will end the debate
>>>>>>>
>>>>>>> On Fri, Jan 24, 2020, 9:34 AM mauxdatabase via kictanet <
>>>>>>> kictanet@lists.kictanet.or.ke> wrote:
>>>>>>>
>>>>>>>> Libra will probably launch when China rolls-out their digital
>>>>>>>> currency via TenCent and AliPay.
>>>>>>>>
>>>>>>>> Its an inevitability that the Worlds next reserve currency will be
>>>>>>>> an Internet Currency so the race is on….
>>>>>>>>
>>>>>>>> On Fri, Jan 24, 2020 at 8:53 AM Ali Hussein via kictanet <
>>>>>>>> kictanet@lists.kictanet.or.ke> wrote:
>>>>>>>>
>>>>>>>>> @Willis
>>>>>>>>>
>>>>>>>>> Facebook went to great lengths to assure partners it won’t control
>>>>>>>>> Libra. To the extent of creating a consortium with representation across
>>>>>>>>> the divide. I guess they failed to dispense the fears of regulators and
>>>>>>>>> policy makers. I’m very convinced that the pressure to leave the Libra
>>>>>>>>> Consortium came from other quarters other than the reasons being given by
>>>>>>>>> those who are now bailing out after paying $10 million to join the Libra
>>>>>>>>> Consortium.
>>>>>>>>>
>>>>>>>>> Read more about the Libra Consortium below.
>>>>>>>>>
>>>>>>>>> techcrunch.com/2019/06/18/facebook-libra/
>>>>>>>>>
>>>>>>>>> *Ali Hussein*
>>>>>>>>> +254 0713 601113
>>>>>>>>>
>>>>>>>>> Twitter: @AliHKassim
>>>>>>>>>
>>>>>>>>> Skype: abu-jomo
>>>>>>>>>
>>>>>>>>> LinkedIn: ke.linkedin.com/in/alihkassim
>>>>>>>>>
>>>>>>>>> “We are what we repeatedly do. Excellence, therefore, is not an
>>>>>>>>> act but a habit.” ~ Aristotle
>>>>>>>>>
>>>>>>>>>
>>>>>>>>> Sent from my iPad
>>>>>>>>>
>>>>>>>>> On 23 Jan 2020, at 8:50 PM, Willis Muriu via kictanet <
>>>>>>>>> kictanet@lists.kictanet.or.ke> wrote:
>>>>>>>>>
>>>>>>>>> 
>>>>>>>>> For me, the one major issue was that it was “controlled” by
>>>>>>>>> Facebook (centralized) unlike Bitcoin (decentralized.)
>>>>>>>>>
>>>>>>>>> Another reason, I think, is because it proved to be serious
>>>>>>>>> competition to the Dollar, and you have heard what happens when you
>>>>>>>>> challenge the Dollar.
>>>>>>>>>
>>>>>>>>> Regards,
>>>>>>>>> Willis Muriu
>>>>>>>>> +254 715 530 349
>>>>>>>>>
>>>>>>>>> On Thu, Jan 23, 2020 at 6:37 PM Ali Hussein via kictanet <
>>>>>>>>> kictanet@lists.kictanet.or.ke> wrote:
>>>>>>>>>
>>>>>>>>>> Interesting…Most of the incumbent players are one by one
>>>>>>>>>> abandoning Libra. What gives? Pressure from regulators?
>>>>>>>>>>
>>>>>>>>>> Here
>>>>>>>>>> <www.forbes.com/sites/sergeiklebnikov/2019/10/21/here-are-all-the-companies-that-bailed-on-facebooks-libra/#674681de3487>
>>>>>>>>>> are some of the other companies that have bailed out on Libra. The list
>>>>>>>>>> includes Visa, Mastercard, Stripe, Mercado Pago and eBay.
>>>>>>>>>>
>>>>>>>>>> Pressure from regulators and policy makers is real.
>>>>>>>>>>
>>>>>>>>>> Regards
>>>>>>>>>>
>>>>>>>>>> *Ali Hussein*
>>>>>>>>>>
>>>>>>>>>>
>>>>>>>>>> Tel: +254 713 601113
>>>>>>>>>>
>>>>>>>>>> Twitter: @AliHKassim
>>>>>>>>>>
>>>>>>>>>> Skype: abu-jomo
>>>>>>>>>>
>>>>>>>>>> LinkedIn: ke.linkedin.com/in/alihkassim
>>>>>>>>>> <ke.linkedin.com/in/alihkassim>
>>>>>>>>>>
>>>>>>>>>>
>>>>>>>>>>
>>>>>>>>>>
>>>>>>>>>> Any information of a personal nature expressed in this email are
>>>>>>>>>> purely mine and do not necessarily reflect the official positions of the
>>>>>>>>>> organizations that I work with.
>>>>>>>>>>
>>>>>>>>>>
>>>>>>>>>> On Thu, Jan 23, 2020 at 4:10 PM Mwendwa Kivuva via kictanet <
>>>>>>>>>> kictanet@lists.kictanet.or.ke> wrote:
>>>>>>>>>>
>>>>>>>>>>> Vodafone has withdrawn from Facebook’s digital currency
>>>>>>>>>>> initiative Libra, as regulators and bureaucrats circle overhead.
>>>>>>>>>>>
>>>>>>>>>>> While Facebook might have become accustomed to sitting in the
>>>>>>>>>>> regulatory spotlight, it seems other companies are not as accepting of the
>>>>>>>>>>> attention. In an increasing tsunami of regulatory scrutiny, Vodafone has
>>>>>>>>>>> become the latest company to withdraw from the Libra initiative, joining
>>>>>>>>>>> the likes of Paypal and Mastercard.
>>>>>>>>>>>
>>>>>>>>>>> “Vodafone Group has decided to withdraw from the Libra
>>>>>>>>>>> Association,” a Vodafone spokesperson said.
>>>>>>>>>>>
>>>>>>>>>>> “We have said from the outset that Vodafone’s desire is to make
>>>>>>>>>>> a genuine contribution to extending financial inclusion. We remain fully
>>>>>>>>>>> committed to that goal and feel that we can make the most contribution by
>>>>>>>>>>> focusing our efforts on M-Pesa. We will continue to monitor the development
>>>>>>>>>>> of the Libra Association and do not rule out the possibility of future
>>>>>>>>>>> co-operation.”
>>>>>>>>>>>
>>>>>>>>>>>
>>>>>>>>>>>
>>>>>>>>>>> telecoms.com/501960/vodafone-snubs-libra-in-favour-of-m-pesa/
>>>>>>>>>>> _______________________________________________
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>>>>>>>>> _______________________________________________
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>>>>
>>>> The Kenya ICT Action Network (KICTANet) is a multi-stakeholder platform
>>>> for people and institutions interested and involved in ICT policy and
>>>> regulation. The network aims to act as a catalyst for reform in the ICT
>>>> sector in support of the national aim of ICT enabled growth and development.
>>>>
>>>> KICTANetiquette : Adhere to the same standards of acceptable behaviors
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>>
>>
>> —
>> Rosemary Koech-Kimwatu
>> Advocate
>> Legal and Regulatory Specialist- Oxygene MCL
>> Tel: +254 718 181644
>>
>>
>>
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>>
>> The Kenya ICT Action Network (KICTANet) is a multi-stakeholder platform
>> for people and institutions interested and involved in ICT policy and
>> regulation. The network aims to act as a catalyst for reform in the ICT
>> sector in support of the national aim of ICT enabled growth and development.
>>
>> KICTANetiquette : Adhere to the same standards of acceptable behaviors
>> online that you follow in real life: respect people’s times and bandwidth,
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>> not spam, do not market your wares or qualifications.
>>
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> The Kenya ICT Action Network (KICTANet) is a multi-stakeholder platform
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> regulation. The network aims to act as a catalyst for reform in the ICT
> sector in support of the national aim of ICT enabled growth and development.
>
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> online that you follow in real life: respect people’s times and bandwidth,
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