@SafaricomPLC the new SuperApp feels like it was designed for an ideal user, not a real one. Here is the list of assumptions you have made:
A user who is always on Safaricom data.
Always on the same device.
Always within network comfort.
Always ready to re-verify identity on demand.
Always patient enough to navigate extra steps just to complete a basic transaction.
That user does not exist. What a normal(At least from where I stand user) is:
Real customers move.
We switch networks.
We rely on Wi-Fi. - Think of people who travel out of the country and need to keep things moving locally. Right now, they can't transact, because, we need SIM verification and they are not necessarily on roaming
We transact in a hurry.
We operate in environments where speed and reliability matter more than perfect theoretical security flows. Think of us in a supermarket, Matatu, Downtown Nairobi , yes?
Right now, the experience is doing the opposite of what M-PESA built its reputation on.
Simple actions are becoming layered.
Access is becoming conditional.
Trust is being replaced with repeated verification.
Convenience is being traded for control.
Security is necessary. No one is disputing that.But when security begins to interrupt basic usability, it stops feeling like protection and starts feeling like friction.
The standard M-PESA(from what I know or have experienced) set was clear:
fast, reliable, works anywhere, minimal steps.
That standard is alien- existent at the moment.
This is not a rejection of the direction. It is a call to correct the execution.
Because if the product assumes perfect conditions, it will fail real-world usage.
Fix the experience. @Safaricom_Care
Iran's position is being misrepresented by U.S. media.
We are deeply grateful to Pakistan for its efforts and have never refused to go to Islamabad. What we care about are the terms of a conclusive and lasting END to the illegal war that is imposed on us.
پاکستان زنده باد
Remember the Western outrage about hostilities near Zaporizhzhia Nuclear Power Plant in Ukraine?
Israel-U.S. have bombed our Bushehr plant four times now. Radioactive fallout will end life in GCC capitals, not Tehran.
Attacks on our petrochemicals also convey real objectives.
While it’s a challenge to summarize such an eventful year for investors, here are some standout themes from our year-end performance table:
US Equities: Another year of solid returns has propelled US stocks into their seventh-best three-year run on record.
International Markets: For the first time in years, international equities outperformed the US, delivering a standout year for global diversification.
Precious Metals: Gold had a spectacular year, yet it was surpassed by silver, whose massive gains made gold’s "eye-popping" returns seem almost modest by comparison.
Bitcoin: After surging to new all-time records earlier in the year, Bitcoin ultimately ended the year as a laggard relative to other asset classes.
Energy: Oil struggled, marking its worst year since 2020.
(Beyond the Table:
Both risk-free and risky fixed income delivered positive returns as government bond yields fell and emerging market spreads compressed.
The US dollar had its weakest performance in nearly a decade.
#economy #markets #investing #investors #stocks #bonds #oil ##bitcoin #gold #silver #dollar
Sport unites us all and inspires a better world.
A meaningful moment for @EliudKipchoge, sharing thoughts with @BarackObama on inspiring the next generation through sport and education.
#NNRunningTeam
@kenyanpundit Bcoz the dentists have no compe , are in their comfort zone and don’t have to innovate. After 6 months or so, they are almost almost assured that you’ll show up for the annual check, noise or not.Silicon valley money don’t compete in that zone.
Raila Odinga was a true champion of democracy. A child of independence, he endured decades of struggle and sacrifice for the broader cause of freedom and self-governance in Kenya. Time and again, I personally saw him put the interests of his country ahead of his own ambitions. Like few other leaders anywhere, he was willing to choose the path of peaceful reconciliation without compromising his core values. Through his life, Raila Odinga set an example not just for Kenyans, but across Africa and around the world. I know he will be missed. Michelle and I send our deepest condolences to his family and to the people of Kenya.
We have received the news of the passing of Rt. Hon. Raila Odinga with great sadness. He stood tall for freedom, liberty, and dignity. In him, we have lost a great statesman - an African giant, who did his best for humanity amidst great adversity. Deepest condolences to the great people of Kenya and all pro-democracy forces around the world. May his soul rest in peace.