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AKI virtual motor insurance certificate to curb insurance-related fraud

Using technology to curb fraud is a fast growing phenomenon in Kenya that’s almost being utilized by all sectors with fraud related risks to curb such risks. It’s a segment that just recently welcomed a new body – the association of Kenya Insurers who have been keen to eliminate fraud in the industry. With an expected overwhelming growth in Kenya’s insurance sector that continue to introduce new products that tie-up or exceed other segments in the financial services industry, the sector has equally experienced an increase in fraud related issues.

Globally, the insurance sector is amongst areas with impressive growth owing to increased uptake by the middle class. Its therefore no surprise that the sector has become equally vulnerable to fraudsters that have compelled the likes of the Association of Kenya Insurer’s (AKI) to explore technological remedies – hence the virtual motor insurance certificate.

Although insurance related risks are not directly compared to other forms of crime since technically no one is harmed, they’re real and needed an approach. Fraudulent claims range from making a false claim or the exaggeration of a genuine claim by a few thousand shillings and these is mostly perceived as the proverbial drop in the ocean of the insurance companies’ finances. But even so, the reality is very different. While most claims are genuine, an ever increasing number of people make fraudulent and exaggerated claims.

The association of Kenya insurer’s (AKI) unveiled a virtual motor insurance certificate to curb insurance-related fraud in the industry. The digitization of the insurance certificates intents to eliminate motor vehicle fraud related incidences that has been denying the industry millions of shillings through fake multiple claims. The development intents to eliminate motor insurance fraud by ensuring that only one motor insurance certificate is issued per vehicle. Cases of double insurance, fake certificates and stolen insurance certificates will be eliminated. Notwithstanding, the virtual certificates will consequently save the insurance industry millions of shillings. Insurance companies will no longer have to physically deliver the certificates to their customers as they will receive the virtual motor insurance certificate on a digital platform.

How to use Carrefour Kenya’s MyCLUB Reward App to earn loyalty points

Carrefour Kenya has joined other local supermarkets to reward customers shopping from its stores across the country with loyalty points that can later be redeemed for real items. But unlike other supermarket retailers in the country, Carrefour utilizes a smartphone app to award points rather than having customers carry smart cards when shopping at its stores. It’s a smart move that’s aimed at having more return customers with promise of rewarding them with redeemable points whenever they visit and shop at its stores.

The program which is dubbed MyCLUB has already been implemented in several regions with Kenya coming onboard this year. And as explained earlier, the reward scheme is totally digital (no need of carrying loyalty cards) and is accessible through the Carrefour Kenya App, which enables consumers to collect points based on their purchases at Carrefour.

How Carrefour Kenya’s MyCLUB reward scheme works.

Customers visiting Carrefour outlets in the country will earn 2.5 loyalty points for every 100 shillings they spend, on top of that, they also stand to gain additional points based on selected promotional items. Upon collecting 10,000 points, customers can either choose to redeem them instantly towards their bill or continue to accumulate points for a larger reward at a later time.

It’s totally free to join the reward scheme, simply by downloading the Carrefour Kenya app from the Google Play and the App Store. After successfully downloading the application, customers will be required to register within the app by providing personal details such as full names, mobile phone number, email address and date of birth.

After successfully going through the registration process, shoppers will then be issued with a unique barcode within the app, which is scanned during checkout to earn points and avail discounts. Through the App, customers will also have access to their digital receipts, regular updates, as well as information on upcoming offers.

While speaking on the development, Carrefour Kenya country manager, Franck Moreau said acknowledged that the launch of MyCLUB demonstrated the retail chains commitment to its customers in Kenya, adding that the outlet values their loyalty and encourage them to sign up so that they gain even more from shopping at Carrefour.

How to use Carrefour Kenya’s MyCLUB Reward App to earn loyalty points

  • First of all, you’ll need to download the app from google play store or app store
  • Go through the simple registration process by providing required details such as full names, date of birth, email address, gender and mobile number
  • As a requirement, customers must be 18 years or older to qualify
  • You must opt into the program by agreeing to have a card created and the terms and conditions
  • Provide your phone with the app opened so the cahiers at the checkout point can scan to update your points

How to Download and install “My Airtel App” and services available within the App

The twenty first century has so far seen the best of technology with various daily activities now available within an app. In fact, I’ve been dared by most of my colleagues to identify a single activity that’s currently not either directly or indirectly associated with an existing app. Truth be told, with increased access to smart devices that can connect to the internet, companies that fail to conform to the current trend will either be overtaken by competition or seize to exist for lacking customers. Safaricom has been steadfast in adopting new tech in Kenya, something we find it difficult to associate with Airtel. But having unveiled ‘My Airtel App’, fortunes my just change in Airtel’s favor.    

Far from the current fiasco facing Airtel Kenya and Telkom Kenya’s efforts to merge, Airtel on its own has not been able to break-even here in Kenya especially with a cash loaded Safaricom in the vicinity. Safaricom has almost trumped the second largest telco operator in every aspect of their business with the emergency of MPESA making the situation even dire. But we like Airtel’s optimism especially if not following in Safaricom’s innovation footsteps. With the launch of Airtel Kenya’s “My Airtel App”, at least certain aspects of the telecom operator can now easily be achieved without having to visit their premises.  

Technology in Customer service

Riding on a mission to sort customer issues within five minutes, Safaricom has been making strides by utilizing technology both in the social media as well as app universe. We recently entailed how you’d easily make an MPESA reversal from the Safaricom Chatbot – Zuri. Subscribers can also accomplish several activities from within the Safaricom App and it’s going to be interesting to see Airtel’s version – My Airtel App.

Services available on My Airtel App.

  • Airtel customers can purchase bundles within the app and used through Airtel Mobile or MiFi/Router bundles.
  • Send and Receive Money via Airtel Money
  • Pay for their postpaid bills or of registered merchants.
  • Buy Goods and Services, subscribers can pay various merchants/shops for products purchased (Lipa na Airtel Money)
  • Deposit money to their Airtel Money wallet using credit or debit cards.
  • Withdraw cash through an Agent
  • Get Transaction history such as Top-ups, Airtel Money, Buy Bundles or purchase of VAS Services.

How to download My Airtel App

Android users can download from the Google play here, while iPhone users from the App Store

Xiaomi Mi Note 10 is finally here, here are the Specs and pricing in Kenya

Xiaomi customers have yet a new addition to the manufacturer’s premium devices just days after the famous Tech-October and before the curtains finally comes down on 2019. The manufacturer has gained traction in recent years and finally earned the right to inclusion on every smartphone shoppers list, who are keep to get devices that both spell value and affordability. With the unveiling of the Xiaomi Mi Note 10 in Madrid today, Mid-rangers are definitely on the lookout for something that’s close to the likes of galaxies without necessarily inheriting their price tags.

Xiaomi Mi Note 10 Specifications

Breaking limits with a 108Megapixel Camera

I’ve been a bit hesitant to credit large camera sensors with best quality photos, simply because there’s quite a ton of aspects that need to be achieved for picture-perfect sensor. While the Xiaomi Mi Note 10 is breaking the limits by stretching its camera sensor beyond a hundred border line, we are a bit skeptic whether it will rival or surpass the majestic Galaxies or Superior iPhones on the horizon. But the phone maker has gone beyond its comfort zones to venture in a territory previously prevailed by the industry leaders. It houses a penta-camera setup that promises superior detail photos and more. There’s a 12megapixel, 40megapixel cameras complementing the 108MP sensor. We also expect the Xiaomi Mi Note 10 to capture steady videos even without a tripod thanks to optical image stabilization. Selfie lovers will be thrilled to get a 32Megapixel sensor on the phone’s front.

Design

Xiaomi has excelled in producing some of the best designed phones in the industry with attractive color choices and the Xiaomi Mi Note 10 is not an exception, it includes Aurora green, Glacier White and Midnight Black on the shelf.  The front panel is almost completely covered by the display panel except for the notch housing the selfie camera. The device comes with what Xiaomi calls an Arc AMOLED display panel that stretches 6.47 inches with a 3D curved glass featuring rounded corners and tempered edges.

Features,

Always on display is now a core feature on the Xiaomi Mi Note 10 with some interesting design choices of what to put on your panel. The notification light is now within the display panel rather than having an independent LED at the top of the display panel. Basically the display panel lights up in several colors when there’s a pending notification courtesy of MIUI 11.

Dual Clock

The possibility of having two clocks both representing different time Zones will definitely fancy travelers across the world with an option to having the home clock and the other with time zone from their destination.

Performance

Xiaomi Mi Note 10 comes with a Snapdragon 730G processor coupled with 6GB memory and 128GB internal storage with a massive 5260mah battery that supports a 31w fast charger that’s included in the box.

Price in Kenya

Prices are expected to start from Ksh. 63,000 here in Kenya and should start appearing anytime once it becomes globally available.

How to request for airtime on credit (Kopa Credo) on Airtel network

Requesting for an advance airtime capability on Airtel network has been in operation for some time now. I remember the first time when Safaricom introduced the feature to its subscribers, the facility became almost instantly popular giving customers an option to make important calls even without having airtime credit. It was just a matter of time before we could see competing service providers jumping on to the bandwagon as well. The facility basically ensures that customers continue to spend on services the service provider is giving even without having access or enough credit to do so, and honestly what kind of business wouldn’t want that.

Just as Safaricom subscribers can request for airtime on credit as well as Telkom Kenya, Airtel Kenya’s prepaid subscribers can as well apply for an advance airtime to buy or subscribe to any Airtel product or service with no restrictions! And yes the facility works in a similar way you’d apply for a short term loan to be paid plus what the telco companies are calling a “facilitation” fee; while it’s not, plain truth is the additional amount is basically an interest. As we prepare for the second and third largest mobile technology companies in Kenya – Telkom and Airtel to merge, we expect several services to be merged as well and it’ll be interesting to see the outcome which I imagine would be a hybrid of the two. It also remains a mystery how this facility will be managed once the two Telco’s become one.  

How to request for advance airtime (Kopa Credo) on Airtel network.

Before we highlight the simple steps involved in enjoying the Kopa Credo facility on the Airtel network, there are a few conditions/requirement that subscribers must meet.

Requirements for Kopa Credo

  • Airtel subscribers must have had a minimum recharge of 10 Kes in the preceeding 90 days to qualify for Kopa Credo
  • And of course users must be registered Airtel subscribers
  • Subscribers who have received the maximum amount of Kopa Credo amount they are eligible for, must repay the amount before any further advances are made;
  • Subscribers suspended or de-activated by Airtel will not be eligible for the service.
  • Airtel shall deduct a 10% service fee on the Kopa Credo amount requested by a subscriber

Steps to request for Kopa Credo

  • Subscribers can simply dial the USSD short code *310#, on their devices
  • Kopa Credo airtime can be used buy your favorite Airtel bundle, make internal calls & SMS or make local calls & SMS to any network.

Safaricom PLC appoints Peter Ndegwa as company’s CEO effective April 1st 2020

Safaricom PLC has finally appointed its next Chief Executive Officer Mr. Peter Ndegwa effective April 1st 2020. Ndegwa joins the telco giant from Diageo PLC where he’s been the Managing Director for Continental Europe. In a press release signed by the company’s Chairman Nicholas Nganga, the telco giant acknowledges Ndegwa’s experience in General Management, Commercial and Business Strategy, Sales and Finance Operations, having spent over 25 years in various roles within the Financial Services and Fast-Moving Consumer Goods (FMCG) sectors in Africa and Europe.

Peter currently oversees the operations of Diageo PLC in 50 countries in the Western and Eastern Europe, Russia, Middle East and North Africa region. Previously, he’d served as the Chief Executive Officer of Guiness Ghana Breweries PLC and is touted with transforming the two operations to deliver a double-digit growth by investing in people, introducing new brands and reorganising the businesses.

Safaricom has been run by former Chief Executive Officer Michael Joseph following the untimely demise of Bob Collymore was had been at the helm of the firm for several years but succumbed to cancer. There had been rumors of s tussle between the government of Kenya and Safaricom’s other shareholders on who should be the next CEO with the Kenyan ministry opting for a local born CEO rather than settling on a foreigner.

Over the years, Peter served in various capacities including EABL (a Diageo subsidiary) based in Nairobi as a senior Executive Director for eight years. He also served as the Group Chief Finance Officer (CFO), Group Strategy Director, Sales Director, and as an Executive Director on the EABL Board. He was also part of the team that over saw the EABL business more than doubled in value – and winning the coveted Most Respected Business Award in East Africa for five years in a row.

Qualifications

Peter holds an MBA from the London Business School and a Bachelor’s degree in Economics from the University of Nairobi. He is also a Certified Public Accountant and a member of the Institute of Certified Public Accountants of Kenya (ICPAK).

While speaking on the development, the telco giant indicated it was confident that Peter will carry its vision of transforming lives while keeping Safaricom focused on meeting its customers’ needs and holding it to its new commitment of being Simple, Transparent and Honest.

Safaricom removes data bundle and voice expiration dates, no fixed amount to spent

If the latest development is anything to go by, Safaricom customers can now purchase data bundles with no expiration dates. This comes after several parties raised concerns about how the telecom operator fleeces its subscribers by attaching an expiration date on their mobile data plans. If for example you purchased their weekly data bundles, unless you exhaust the data within a period of seven days, they’ll subsequently become unusable after the expiration of their validity period.

Former Kiambu county governor Mr. Kabogo had questioned Safaricom’s motive in denying its subscribers a chance to exhaust their data bundles once they expire. Recently, we’ve also seen counties such as Ghana forbid telecom operators from putting expiration dates on the services they paid for. In this regard, telecommunication firms cannot give customers ultimatum on when they should use the bundles.

Safaricom’s data services offering has elicited mixed reactions in the past with some subscribers complaining on the telecom’s operations, this could’ve been the reason the firm has decided to remove expiration caps on it’s data and voice offering.

How to activate Safaricom’s no expiration voice offering

  • On your device, Dial *544# then
  • Select Voice from the menu
  • Enter the amount you wish to spend
  • Select your preferred mode of payment (airtime or M-PESA)
  • You will receive a confirmation message with details of your purchase    

 How to activate Safaricom’s no expiration data bundles offering

  • On your Safaricom phone, Dial *544#
  • Then Select ‘Buy Data’ from the menu
  • Choose purchase for own or other number
  • Enter the amount you wish to spend
  • Select your preferred mode of payment
  • You will receive a message with details of you purchase

Storo Bonus without targets

Every time Safaricom subscribers purchase voice or data bundles, they’ll get 50 percent of the amount spent as Airtime.

Huawei P30 Lite New Edition Officially Unveiled in Kenya, Pricing and Specs Overview

After becoming available globally, Huawei has finally revealed its latest smartphone here in Kenya – the Huawei P30 lite new edition. The device is a slightly watered-down version of the flagship P30, compromising in places that don’t completely diminish the feel and glory of the flagship sibling. Unlike the elder sibling, it comes with a mid-range categorized Kirin 710 chipset which is touted to still get the job done.

Huawei has faced one of its toughest times in history after the US president signed an executive order limiting US firms from selling their tech to the Chinese tech giant. The company saw a slump in its sales after it became apparent that some of the most loved and used apps as well as Google services would not come pre-installed on its devices. Imagine having a device that doesn’t run popular apps such as YouTube, Gmail and Chrome? It’s a scenario most consumers couldn’t fathom living with; hence the slump in Huawei’s mobile devices.

Speaking on the development, Huawei’s mobile Kenya country president Steven Li, said the launch follows a successful performance of the P30 series lineup that prompted a release of another version to the family. He emphasized that the Huawei P30 lite new edition was equipped with superior capabilities by combining an exquisite design with Huawei’s innovations.

The smartphone comes with a triple rear camera combination that support ultra-wide-angle photography as well as incorporating artificial intelligence (AI) features. This camera setup enables users to take quality photographs and continues Huawei’s vision of making devices that capture stunning images.

Most phone manufacturers have unveiled their ‘Lite’ moniker, that borrows some aspects of the pricier sibling’s such design without high-end specs that often drive prices higher. It brings some of the most coveted design language to a lower priced sibling without necessarily having similar internals such as processor and display technology.

Huawei P30 Lite New Edition Specs and Compromises

Display Panel

We love the fact that Huawei kept the 6.15-inch display screen pleasantly with dense pixel count, this should make everything pop though not as vibrant as OLED panels on the pricier P30 series, instead it utilizes IPS technology. It packs a 2312 x 1080 resolution and you also get a dewdrop notch allowing for a smaller bezel around the screen.

Battery endurance

Battery performance for smartphones hasn’t evolved much over the years; however, the Huawei P30 Lite new edition comes with a larger 3340mAh cell which should hopefully make it through the day without having to connect to a plug every now and then. The device’s endurance is supported by the EMUI 9 software which Huawei layers over Android 9. It’s not the slickest software you’ll find on an Android phone and certainly could do with a design rethink, but it does boast loads of battery optimizations.

Huawei P30 Lite New Edition Cameras

Talking of the center-point for this device, it’s camera setup definitely contributes a ton to the phones appeal considering the underneath Leica-engineered lenses that capture stunning photos. While you won’t see that Leica branding here, instead the triple camera array does things a bit differently.

The setup comprises of a main 24-megapixel camera followed by an 8-megapixel ultra-wide camera and a 2-megapixel bokeh camera for helping add some depth to photos. And if you’re into the selfie fuss, a 32-megapixel camera should definitely do the job.

Huawei P30 Lite New Edition Price in Kenya

Call it ‘lite’, ‘mini’ or ‘compact’, these are monikers known to borrow heavily on pricier sibling’s design while opting for more affordable tech instead to pull the prices down. While we admire this device’s intention, it’s still highly priced here in Kenya at Ksh. 28,499 as compared to the likes of Oppo A9 2020 or Tecno Camon 12 Pro.