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Credit bank customers in Kenya can now access services through video conferencing

As the current corona virus pandemic takes an unprecedented toll on Kenyan businesses, several firms have gone out of their way to devise new measures to offers services to their customers without having them physically visit their offices. Credit bank has joined the bandwagon with its virtual video conferencing applications services utilizing applications such as zoom and skype to enable its clientele continue accessing the bank’s services in the wake of the pandemic.

Speaking on the new development, credit bank’s Executive Officer- Strategy and Business Development Eric Nyachae said that customers who wished to bank cheques can get in touch with the bank’s relationship managers via the application.

He also added that the newly launched Clearing Solutions would allow corporate clients access the banks services without worrying about coming to the bank, instead, they can now process their cheques from the comfort of their premises as well as make all electronic transfers including paying their staff.

The executive officer in charge of strategy and business development also revealed that the financial institution had enhanced its online platform services by providing free online money transfers services that should enhance delivery of services including limits on their mobile banking platform.

During the current pandemic, Kenyans are advised to make minimal movements and exercise social distancing, therefore the credit bank’s initiative couldn’t have come a time better than now. With these new initiatives, corporate clients can achieve a higher Straight-Through-Processing (STP), real time visibility and higher levels of efficiency from payment initiation through to back-end processing.

In addition, credit bank has further put measures to cushion small medium traders during this period by introducing reduced transaction costs on digital platforms and free transactions on PesaLink.

How to get android 10 running on a dated HTC 10 smartphone

HTC’s design language was probably the most influential in the smartphone industry back in the days, I remember how we used to brag as having a durable well-designed handset whenever you had a HTC ‘s hardware in your pockets. The company shaped most smartphone designs albeit more than Apple did. Fast forward to 2016, HTC unveiled what I’d come to appreciate as the most well-designed phone, probably the last all metal body phone we’d ever see. The HTC 10’s design was unmatched even though that wasn’t enough to prevent the company from vanishing on the market.

The HTC 10 was lauded by most pundits out there, but the smartphone faced some dire shortcomings as well. Even though its probably not easy to replace a smartphone’s battery without a set of tools, replacing the HTC 10’s battery was particularly a nightmare, almost impossible without damaging the display. The device has a metal chassis separating the display panel and motherboard, while the battery is hidden underneath them all – meaning to replace its battery, you’d need to remove both the display and motherboard.

Lucky enough, I managed to replace the battery without damaging the screen. Batteries are still readily available online for about Ksh1000 or USD10. My next to do list was loading it with a custom ROM, just so to get every juice I can get on the HTC 10. To be honest, I never anticipated doing this. I was comfortable running stock Oreo firmware – this was the last version HTC released for this model.

Pixel Experience ROM for HTC 10 based on android 10

Unlock the bootloader and install recovery software

To be able to install a custom ROM, first I needed to unlock the bootloader, a process HTC was so generous to allow using the HTCdev tools. I then installed a recovery software from TEAM WIN – very popular and easy to use of course.

HTC 10 running android 10
Install Custom ROM

Then from my search of a perfect ROM, I came across the pixel experience ROM on xda, of course this became my favored choice since its based on pure stock experience without unnecessary bloatware from carriers and manufacturers.    I’ve never been so happy with a dated device, it’s smooth, almost flawless with several tweaks at your disposal. The HTC 10 just glides in the awesomeness of android 10. There are a ton of devices with better specs nowadays costing less, but if you’re up for a little adventure, get yourself the HTC 10 online very cheap and bring the beast out of it by replacing the battery, unlocking the bootloader and installing a custom android 10 ROM.

The central bank of Kenya denies unregulated loan apps access to credit reference bureau

In a gazette notice regarding new regulations on the credit reference bureaus, the central bank of Kenya has effectively denied popular loan apps access and thereby handicapping their ability to report loan defaulters. Kenyans have suffered immensely on these apps mainly found on the Google’s play store where a small amount of loan such as less than Ksh 1,000 could have them blacklisted affecting their credit score.  

In addition, most have been known to charge unscrupulous amounts in the name of daily interest just after the loan period expires. This has really weighed most Kenyans down especially during this difficult period of Covid-19 pandemic. These loan apps have become so popular on android phones, currently not available on iPhones due to Apple’s strict nature on privacy. Users could easily secure a loan probably repayable after just 15 days failure to which they’d be forwarded to reference bureaus or attract stiff interests each day their loan remained unpaid.

The banking sector regulator provided guidelines through which licensing and supervision of Credit Reference Bureaus (CRBs) is done. In addition, these regulations provide a framework for the exchange of borrowers’ credit information between commercial banks, microfinance banks, Savings and Credit Societies (SACCOs), other credit information providers approved by CBK, and CRBs.

According to the CBK, these regulations have been born from a consultative process that started in 2018, and are intended to strengthen Kenya’s Credit Information Sharing System (CIS) that has been operational since 2010. In particular, they seek to enhance consumer protection for borrowers, expand the sources of information and ensure the sustainability of the CIS as a key tool to bridge the information gap about the borrower’s creditworthiness.

Main reforms introduced by these CRB Regulations include;

  • To be listed in a reference bureau, a borrower must have borrowed a minimum threshold of Ksh.1,000. Consequently, borrower’s information regarding non-performing loans of less than Ksh.1,000 will therefore not be submitted to CRBs, and borrowers that were previously “blacklisted” only for amounts less than Ksh.1,000 will be “delisted.”
  • Secondly, first-time CRB clearance certificates will be provided by CRBs at no charge. This is particularly beneficial to Kenyan youth and graduates who are seeking employment.
  • SACCO societies regulated by the Sacco Societies Regulatory Authority (SASRA) have now been included as authorized subscribers of credit data to CRBs. These SACCOs will now submit borrowers’ information to CRBs and also receive credit reports directly from them.

On top of the above regulations;

  • The central bank of Kenya has withdrawn approvals granted to unregulated digital – mobile based as third party credit information providers to CRB. This according to CBK is after several complaints from the public over misuse of credit information by digital and credit only lenders.
  • Negative credit information reporting for borrowers whose loans were performing previously but became non-performing as of April 1 has been suspended until September 30th 2020.

Tecno Camon 15 Premier, here is what you need to know and price comparison in Kenya

Tecno has unleashed its top gun here in Kenya to take on the likes of Nokia 5.3 and Samsung Galaxy A31, but does it have enough firepower to outbid current segment leaders? We done our ground work to help our readers decide if the latest Tecno Camon 15 Premier deserves a place in their pocket. To start off, the brand has gained a respectable following within Kenyan households and you’d probably see it with at least one in ten of Nairobians.

Tecno Camon 15 premier comes with a 64Megapixels Sony Camera

Tecno unleashed one of its flashiest launch event in recent times with the likes of Wizkid gracing the successful online launch. As its main selling point, the latest Tecno Camon 15 premier is equipped with a 64MP Sony sensor that on paper promises to take stunning imagery. But we all know the number of pixels is just part of the bigger picture. We’ve got the likes of Google Pixels and iPhones having less than half of the Tecno Camon 15 premier’s pixels but take photos that are miles away in comparison.

The manufacturer promises to bring industry level innovations with cutting edge technology that will compete favorably with industry leaders. While there’s too much talk on the success of the so called first online product launch in Africa, which gave fans a real-time hands-on experience and DEMO of what they can achieve with a smartphone camera the manufacturer calls powerful. The handset has a lot going for its design as well and is expected to cause riveting amongst its customer base.

Let’s take a look at the 6.6 inches display with FHD+ resolution

When I go out looking for my next smartphone, the first place I look is usually the display – it’s the main component we interact with most and it has to be super. The Tecno Camon 15 premier has a large display panel with minimal bezels that has become an industry standard nowadays. Its as the manufacturer describes wider, clearer, and more colorful visual experience but nowhere close to those equipped with an AMOLED panel. It covers close to 91.2% of the front though something you’d only find in premium devices in the days of yore.

While Tecno has made a big deal out of the Sony sensor, we’ll focus on something else for a change unless there’s a proven side by side hands review, we can’t tell just how much photos on the Camon 15 premier will pop.

We like the fact that Teco opted for a popping selfie shooter to save on some real estate. When the selfies shooter is activated, the front camera will “POP-UP” from the body, and the 32MP Clear Lens will be ready to capture your shining moments.

128GB ROM + 6GB RAM, 4000mAh long-lasting battery, Powerful Performance

There’s a 128GB ROM that offers more space to store your data, this is really nice considering most devices still come with 32GB or 64GB space. So, you won’t need to frequently clean-up to get more storage and you are as well not limited with the number of applications to install. Underneath there’s also 6GB worth of RAM that should support a stable and highly efficient performance. Multitasking and gaming has become faster and smoother. The 4000mAh battery should be enough for a full.

Tecno Camon 15 Premier Specifications

BODY DIMENSIONS163.3 x 77.7 x 9.1 mm (6.43 x 3.06 x 0.36 in)
 203 g (7.16 oz)
 Glass front (Gorilla Glass 3), plastic back, plastic frame
 Dual SIM (Nano-SIM, dual stand-by)
SCREENIPS LCD capacitive touchscreen, 16M colors
 6.6 inches, 106.9 cm2 (~84.3% screen-to-body ratio)
 1080 x 2340 pixels, 19.5:9 ratio (~390 ppi density)
PLATFORMAndroid 10, HIOS 6.0
 Mediatek MT6765V/W Helio P35 (12nm)
 Octa-core (4×2.35 GHz Cortex-A53 & 4×1.8 GHz Cortex-A53)
 PowerVR GE8320
MEMORYmicroSDXC (dedicated slot)
 128GB 6GB RAM
PRIMARY CAMERA64 MP, f/1.9, 26mm (wide), 1/1.72″, 0.8µm, PDAF
 5 MP, f/2.2, 14mm (ultrawide)
 2 MP, f/2.8, (depth)
 QVGA
 Quad-LED flash, panorama, HDR
 1080p@30fps
SELFIE CAMERAMotorized pop-up 32 MP
 1080p@30fps
COMMUNICATIONWi-Fi 802.11 b/g/n, hotspot
 FM radio
 microUSB 2.0, USB On-The-Go
SENSORSFingerprint (rear-mounted), accelerometer, proximity
BATTERYNon-removable Li-Po 4000 mAh battery

Tecno Camon 15 premier price in Kenya

Update! Confirmed retail price of the Tecno Camon 15 premier in Kenya is Ksh 26,599

The easiest way to enable the built-in screen recorder on android 10

If you have a device running on the latest version of android – android 10, there’s a feature you’ve probably never used as its not enabled by default. The built-in screen recorder allows you to record your android 10’s screen without necessarily having to download a third-party app. At the moment, only Samsung and LG device owners are known to be exempt as their devices have a screen recorder enabled by the manufacturers.

Even though this feature can easily be achieved through a third-party app, these apps could potentially be dangerous as they practically record anything visible on your device, so a developer with ill motives could gain a lot from your naivetes. For this reason, the inclusion of a screen recorder feature in the latest version of android is very helpful.

At least for Samsung and LG smartphones running Android 10 come with a pre-enabled on-screen recorder within their skins. You don’t need to run any special commands to have the feature enabled. On these devices for example, you need to swipe down twice from the top of your screen to expand the Quick Settings menu, then press on “screen recorder.

How to enable android 10’s built-in screen recorder using fastboot adb commands;

For other devices, you’ll need to run some simple adb commands, therefore its paramount to have the minimal adb shell installed on your computer as explained in my previous post with necessary permissions enabled in the developer tools.

Note this method will work if your phone uses the same power menu found in stock Android such as on Google pixel devices. When you press the power button, you’ll need to see the “Screenshot” option where you can long-press to start the recorder.

  • Download ADB tool from here and proceed to install the shell. Make sure you choose the version that’s compatible with your operating system.
  • Enable USB debugging on your laptop. Connect your phone to your computer, then head over to the developer options menu by quickly tapping “Build number” in Settings –> About Phone seven times in a row. You’ll be prompted to enter your lock screen pass code, then it will say, “You are now a developer!” Now, return to the “System” page in Settings, choose “Advanced,” then select “Developer options.”
  • Enable the screen recorder by running below command in the adb shell
adb shell settings put global settings_screenrecord_long_press true

Now you can record using the built-in feature rather than downloading a third-party application.

How to register and activate HABA HABA na NSSF social security product for the informal sector

The national social security fund (NSSF) unveiled a parallel product to its social security mandate targeting to carter for the majority of members in the informal sector. The social security product dubbed – HABA HABA na NSSF intents to bring onboard members who are currently not employed mostly those in the informal sector such as of the Digital Taxi Forum, Boda Boda Safety Association and Taxi Owners Association. On the other hand, most employers in Kenya has subscribed to the scheme where they remit part of their employee’s salaries to NSSF for their social welfare after retirement.

While launching the activation of the product at the Panafric Hotel, Nairobi, Nairobi’s senator Johnson Sakaja lauded the move by NSSF, adding that Social Security had in the past covered Kenyans only in the formal sector. However, by launching the Haba Haba na NSSF product, it was a major step and support to the informal sector players who had been exposed to no formal Social Security protection. He further challenged the Fund to maintain its focus on the immense potential that exists in the informal sector by ensuring that every sector is covered.

On his part, Sakaja indicated his intentions to have the inclusion of the informal sector players into formal social security coverage through a legislation that was soon to be tabled in Parliament to ensure that the NSSF includes this category of Kenyans into formal Social Security savings.

Touching on the street vendors who are all over within Nairobi county, the senator noted that Haba Haba na NSSF product would resonate well with the Kenyan Constitution article 43 (1) (e) which provides for the rights of all Kenyans to Social Security.

The national social security fund (NSSF) is currently collaborating with Proto Energy, NHIF, KCB, and Safaricom as value addition and to provide an attractive package that will address the needs of prospective, present and future NSSF members in the informal sector while increasing coverage of Social Security to all Kenyans.

How much you can contribute with HABA HABA na NSSF product

Members who choose to subscribe to the scheme can save a minimum of Ksh. 25 a day, with the option of withdrawing 50% of their contribution after consistently contributing for a minimum of 5 years. This is unlike other benefits NSSF offers in the formal sector where members have to retire or attain the age of 50 to access their savings.

Dr.Anthony Omerikwa, CEO/Managing Trustee at NSSF noted that majority of Kenyans in the informal sector were not covered by any pension plan for various reasons. With the Haba Haba product, he said it’ll steer the push to create an all-inclusive legislative framework that will be premised within the ambit of the NSSF Act 2013.

He concluded by adding that the HABA HABA na NSSF product was targeting people in the informal sector who are a critical mass that cannot be ignored, ensuring they have a decent life after retirement.

How to register to HABA HABA na NSSF

Members can register and easily access their NSSF statement, make contributions or even follow up on their benefits by dialing *303#.

How to check your National Hospital Insurance Fund (NHIF) account status via a text message

In a bid to exercise social distancing, the Kenya Hospital Insurance Fund – NHIF has moved most of its services online starting with allowing members to choose their preferred health facility via a USSD Code: *155#. The process is expected to run until the end of April and all members are supposed to select their preferred outpatient facilities a fresh, even for those who’d already selected earlier.

Members can also check the status of their NHIF account via a text message instead of physically visiting one of their branches. Both employed and self-sponsored members can utilize the sms method to verify validity of their accounts and avoid rude shocks when submitting a claim when this could be too late.

How to check your National Hospital Insurance Fund (NHIF) account status via a text message

To check your account status via your mobile phone:
  • Head over to your phone’s text messages app and compose a new one – you don’t have to do this on a smartphone as a simple feature phone can manage the sms functionality
  • Type in “ID” followed by space then your ID number (or passport number if applicable) e.g ID 12345678
  • Send the text message as is to 21101
  • You’ll be charged Ksh. 10 for the service – therefore ensure at least your mobile phone has enough credit to proceed.    

How to make your NHIF Contributions via MPESA

To pay your monthly contributions via MPESA, follow these simple steps:
  • From your MPESA menu, select the Pay Bill option
  • Followed by the Business no. and enter 200222 as the Business no
  • On the account number, type in the contributor’s National Identity Number
  • Put the correct amount you intent to pay
  • Then confirm by entering your MPESA pin
  • Confirm all details are correct then press OK
  • You’ll receive a confirmation SMS from Mpesa immediately

Jubilee Insurance unveils SASAdoctor – a video doctor consultation service

The Jubilee Insurance has unveiled an online video-based doctor consultation service dubbed SASAdoctor aimed at reducing unnecessary visits to the doctor especially in the current Covid-19 regime. Patients will be able to access virtual medical advice from doctors wherever they are to curb the spread of the virus amidst calls to exercise social distancing whenever possible.  

SASAdoctor consultation fees

Current policy holders within the Jubilee insurance will have access to the service, SASAdoctor for free while non-customers will pay Sh495 to use the online platform and virtually consult doctors for chronic diseases like diabetes, malaria, tuberculosis and common ailments like diarrhea and vomiting, colds and coughs and urine infections.

How to access SASAdoctor service

Patients can download the android app from the play store here, and go through the simple registration to start utilizing the app remotely. Current jubilee customers with a valid jubilee Wellness Cards will access consultation services for free.

Speaking on the launch, Jubilee Health Insurance general manager Patrick Gatonga said that the service was bound to boost access to medical services for majority of people who are now working from home or on leave following the State directive to reduce the number of staff working within the office space.

SASAdoctor app is expected to minimise visits to the doctor and reduce the risk of spreading coronavirus in line with the State directive on social distancing and cut on gatherings on all public and private facilities to reduce transmission of the virus.

What the SASAdoctor app can do

  • Patients can get an Assessment, Diagnosis, Prescriptions and Investigations delivered right into their SASAdoctor App. You don’t have to physically visit a health facility.
  • The app can save all Personal Medical Records therefore available whenever needed right within the App.
  • Since all the medical records are within the app, patients can show it to their doctors or hospital for a regular or emergency visit.

Even though the app is touted to handle most illness, here are a few conditions you’ll still need to be present at a health facility for proper diagnosis and treatment;

Chest pain, Numbness or weakness suggestive of Stroke, Severe injuries or fractures, Loss of consciousness, Lacerations, Severe burns, Blood in stool, vomit or cough, Other emergencies