Moses Adams ☘

My passion is #technology, #traveling and meeting new people.
Working in #Payments @spirobenin as a payments integrator for west Africa

[Moses Adams ☘ @mosesadams_]

Life lessons you can follow if you must

[Dickie Bush @dickiebush]

7 small habits that will *vastly* improve your wellbeing:

1. Walking 20,000 steps per day

I'm convinced walking is the *single* best thing you can do for your health & creativity.

Here's why:

[Marques Brownlee @MKBHD]

I just want to say it's objectively hilarious that Apple makes a product called the Neo and the Duo in 2026. If you know you know

[Moses Adams ☘ @mosesadams_]

@mtnug

Please block. Fraudsters

[Lawrence Kitema @lawrencekitema]

Some decisions though 😂! This 5-bedroom maisonette was overshadowed when a wealthy neighbor built a 7-storey rental flat just a metre from the boundary. Tenants on the upper floors constantly dumped trash, dirty water, and even diapers onto the maisonette’s roof. Fed up, the owner retaliated by constructing a towering perimeter wall that blocked sunlight from the entire seven-floor flat. 😂😂

[Moses Adams ☘ @mosesadams_]

@BushenyiBouy 🤣🤣

[Moses Adams ☘ @mosesadams_]

Level up 🎉 I reached @localguides level 8 by helping others explore on Google Maps. #localguides

[Bank of Uganda @BOU_Official]

Statement on Recent Payment Incidents https://t.co/fUq5msUdAT

[CNN @CNN]

Donald Trump will win the 2024 presidential election, CNN projects, marking an extraordinary political comeback and a moment of historic consequence. https://t.co/gHsx4ahrtZ

[Elon Musk @elonmusk]

Let that sink in

[Moses Adams ☘ @mosesadams_]

@RachealHope_ @StanChartUGA I thought I was alone

[Moses Adams ☘ @mosesadams_]

@KenyaAirways

It's been months without my issue being resolved with multiple emails sent out and calls.

[RefID:240523-105558947] Not Refuded for cancelled Ticket

[BBC Breaking News @BBCBreaking]

Crowdstrike says "defect in content update for Windows" behind worldwide IT outage and not cyber-attack https://t.co/PsIjXNZqh6

[Yoweri K Museveni @KagutaMuseveni]

I commissioned SPIRO electric motorcycles on the sidelines of the Introspective Leader’s Retreat in Kyankwanzi. Unlike the traditional motorcycles that require diesel, these are a good move towards the country’s dedication to adopting environmentally friendly alternatives in the transport sector. I, therefore, congratulate Mr. Gagan Gupta, the SPIRO Chairman, and his group.

[Government of Uganda @GovUganda]

𝐏𝐑𝐄𝐒𝐈𝐃𝐄𝐍𝐓 𝐌𝐔𝐒𝐄𝐕𝐄𝐍𝐈 𝐂𝐎𝐌𝐌𝐈𝐒𝐒𝐈𝐎𝐍𝐒 𝐒𝐏𝐈𝐑𝐎 𝐄𝐋𝐄𝐂𝐓𝐑𝐈𝐂 𝐌𝐎𝐓𝐎𝐑𝐁𝐈𝐊𝐄𝐒 𝐈𝐍 𝐔𝐆𝐀𝐍𝐃𝐀
President @KagutaMuseveni has today commissioned Spiro electric motorcycles during an event held at the National Leadership Institute (NALI), Kyankwanzi

[Elon Musk @elonmusk]

2000 charging stalls in Norway! 🇳🇴

[Egesa Ronald Leonard @regesa]

An investigation into Mobile Lending Apps
---------------------------------------------

StratEdge Consulting in collaboration with a UK Based and US Based financial crime investigation agencies have been conducting an investigation into the dark world of mobile lending apps that are ravaging the citizens of Kenya and Uganda. The full report will be published before the end of the week.

For Uganda's case, let me share a few highlights;

1. The fulcrum of this business model is FinTech provided by Payments Aggregators that are licensed and regulated by @BOU_Official and @UgMicrofinAuth

2. The Apps allow for inclusion of next of kin/emergency contacts by borrowers without the knowledge and consent of the included parties, who are later on harassed and tormented by the unprofessional, unwashed, untrained and arrogant loan recovery agents of the Lenders.

3. Breach of Consumer Data Privacy by using the Apps to spy on or access Call Logs, SMS, and Contacts list. This is set as a precondition for using the App.

4. Duplication of Apps. 15 of the 16 Apps that we investigated were belonging to at least one of 5 entities, with each entity operating at least three Apps under different names contrary to the UMRA Guidelines.

5. Exorbitant interest rates ranging from 28% to 37%.
Use of unregistered mobile phone numbers during the recovery process. This could be aided by unscrupulous individuals within the security services.

6. There is widespread use of threatening, abusive, discriminative and derogatory language during the loan recovery.

7. There is illegal access of customer call detail records (CDRs) of customers without following due process.

8. Forgeries of documents such as demand letters from prominent law firms e.g AF Mpanga & Co. Advocates, court orders during loan recovery was discovered.

9. Impersonation of Uganda Police personnel during loan recoveries.

10. The entire business model is driven by greed and foolishness. They threaten the borrower that they will reach out to their contacts and inconvenience them in case the borrower defaults. This would imply that the borrower is using his reputation as collateral when borrowing. Upon default, the fellows liquidate the collateral by calling the borrowers contacts and 'shaming' the borrower going to the extent of creating WhatsApp groups sijui for fundraising. Even after liquidating the collateral, they still continue pleading and looking for the borrower - now defaulter and pleading for them to pay!

11. If the local players in the FinTech Ecosystem will not step up and organise this sector by ensuring only professional entities can access and use the Mobile Payment aggregation services, International players might need to come in.

12. This is a safe haven for money laundering and terrorist financing. The Ugandan security services need to become proactive and bring these fellows to order.

[Moses Adams ☘ @mosesadams_]

@humbleifrikan @NicClaypole @MosesNambaEmu @BushenyiBouy Muliwa?

[Moses Adams ☘ @mosesadams_]

I'm celebrating 8 years of Google Maps contributions!

[Bank of Uganda @BOU_Official]

PUBLIC NOTICE: Suspension of Licences of M/S Pivot Payments Limited Under Section 13 of The National Payment Systems Act, 2020

KAMPALA, February 29, 2024 – In exercise of its powers under section 13 of the National Payment Systems Act, 2020, the Bank of Uganda has effective today February 29, 2024, suspended the licences of M/S Pivot Payments Limited as a Payment Service Provider and a Payment Systems Operator.

Read more https://t.co/IN7MivSk5M

[Moses Adams ☘ @mosesadams_]

Do you remember when you joined X? I do! #MyXAnniversary