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Showmax Now Offers Easy Subscription Payments via USSD

Showmax which is one of the popular streaming services in the country has introduced a payment option for its customers in Kenya that allows them to pay for their subscriptions using a USSD code on their mobile phones. This new payment method aims to make it easier and more accessible for customers in Kenya and aligns with Showmax’s goal of becoming the leading streaming platform in Africa.

Summary.

  • Showmax now offers payments for subscription plans via USSD making it more convenient for customers in Kenya.
  • The platform boasts low prices and a wide range of international content including Premier League packages.
  • Customers can easily activate their subscriptions by dialing *375# on their phones using USSD.

Background.

Showmax is entering an era of streaming with its low-cost prices and diverse content selection from Africa and around the world. The platform is also launching its Showmax Premier League plan designed specifically for mobile users and promises to offer great value to subscribers. The platform has some of the most affordable subscription plans which start from as low as Kshs 300 for the basic plan and Kshs 650 for the Showmax Entertainment plan while the Premier league plan attracts Kshs 500.

With Showmax becoming available on the recognized Peacock streaming platform, customers will now have an array of payment options at their disposal. Besides Visa and Mastercard credit/debit cards, DStv and Showmax customers can now use M Pesa via USSD to pay for their subscriptions. The platform is focusing on making it easy for customers to access and pay for their subscriptions here in Kenya. The company has partnered with Safaricom to introduce a new payment method using USSD code *375#. Showmax has integrated M PESA, Kenya’s biggest mobile money service into its platform for a seamless payment experience.

Exciting new content awaits viewers on Showmax following its relaunch in February 2024. The platform will showcase Showmax Originals like the South African series “Red Ink” and a new season of the Nigerian drama “Flawsome.” Additionally, viewers can look forward to titles such, as “Mission Impossible; Dead Reckoning” and “Spider Man; Across the Spider Verse.”

How to Pay for Showmax via USSD

Paying for a Showmax subscription using USSD is simple:

  1. Dial *375#.
  2. Pick a Showmax plan from the options available.
  3. Confirm the purchase.
  4. Enter your M-Pesa PIN to authorize the transaction.
  5. Activate your subscription by clicking the link sent via SMS or by entering the voucher code on the Showmax website: https://www.showmax.com/ke

Once the payment is successful, you should receive a confirmation SMS message with instructions to activate your subscription on the Showmax platform. Follow the steps to complete the process and enjoy your subscription.

Phone Stolen in Kenya? Follow These Essential Steps to Protect Your Data and Hopefully Recover Your Device

Overview.

It’s quite common for phones to be stolen here in Kenya especially in places like Nairobi. Thieves often snatch phones from users on public transport buses or on busy streets such as Ronald Ngala and River Road. In case your phone gets stolen, being aware of the steps you need to take can assist you in either recovering your device or safeguarding your data. This article aims to provide guidance on what actions to take when facing phone theft in Kenya featuring real life examples that shed light on the theft incidents occurring in places.

Brief Recap.

  • Occurrences of phone theft; Mobile devices are frequently grabbed from individuals while using buses and navigating streets.
  • Immediate responses: Swiftly take measures to secure your data and report the incident to authorities.
  • Preventive strategies; Understand how to reduce the chances of falling victim to phone theft while moving around the city.

Understanding the Scenario.

Pervasive Phone Theft in Nairobi

The issue of phone theft has persisted in Nairobi for the longest time I can remember and is especially rampant on bustling streets and within public transportation systems. Thieves focus on passengers traveling by bus seizing phones through windows or doors when the vehicle is stationary or moving slowly. Pedestrians walking along streets are also at risk of falling prey, to pickpockets and snatch and run thieves.

Case Studies.

  1. Janes Encounter: Jane was, on a bus traveling along Waiyaki Way when a thief snatched her phone through the window somewhere around the westlands stage to town. The thief swiftly disappeared into the crowd leaving Jane stranded without her phone and unable to reach her contacts and data.
  2. Paul’s Account: While strolling down River Road, Paul was engrossed in checking his messages when a thief suddenly seized his phone and fled. Although Paul reported the incident to the authorities, but the prospect of recovering his phone seemed bleak.

Immediate Steps to Take.

If your phone ever gets stolen in Kenya here are some actions you should consider;

  • Secure Your Data; Utilize a computer or another device to remotely lock your phone and erase any data to safeguard your personal information. This action is especially important while your phone is still connected to data, assuming your Sim card is still in there and hasn’t been switched off.
  • Report the Theft; Make a report to the police promptly. This does not only helps in documenting the theft but also establishes a record that could be valuable if the stolen phone is recovered or used somewhere else for malicious or criminal activities. I’ve seen police knock on people’s doors for having recovered their handsets in a criminal investigation.
  • Inform Your Mobile Provider; Notify your provider about the theft so they can deactivate your service and prevent use of your phone number.
  • Update Passwords: Depending on the security method implemented on your device at the time of theft, you might want to change passwords for all accounts that were accessible, through your stolen phone, including email, media and banking applications.
  • Keep an eye on your phone; If your phone has a tracking feature – iPhones are known to be good with their “Find MY” feature which tracks it even when switched off, use it to find your phone and share the details, with the authorities.

Precautionary Steps

To lower the chances of phone theft, consider these suggestions.

  • Keep your phone hidden; Refrain from using your phone in risky places especially in crowded areas like bus stations or streets.
  • Stay alert to your surroundings; Be watchful and aware of the people around you in busy locations.
  • Secure your device; Utilize passwords, biometric authentication and activate features for tracking and data erasure on your phone.
  • Travel cautiously; When using transportation avoid receiving or making calls while sitting near windows or doors to prevent snatch and run thefts.

Potential Consequences

Phone theft can disrupt your routine. Jeopardize your privacy. By acting and adopting measures you can reduce the impact of phone theft and safeguard yourself against future incidents. While dealing with phone theft remains a concern here in Kenya, staying vigilant and prepared can help you handle the situation confidently while protecting both your device and data.

How Rogue Mobile Money Lenders Are Terrorizing Kenyans

Introduction

The rise of money lending has provided an option for many Kenyans to access fast loans without the complex procedures typically associated with traditional banks. While these services have proven beneficial in assisting most of us, especially in sorting out urgent needs like medical expenses and so on. However, certain unscrupulous mobile money lenders are causing distress to borrowers through phone calls and messages when payments are missed to say the least. Despite the Central Bank of Kenya’s (CBK) efforts to oversee lenders, numerous operators continue to function without regulation and resort to practices that coerce borrowers into repaying loans at excessively high interest rates.

Quick Overview

  • Rogue mobile money lenders subject defaulting borrowers to a barrage of communication via calls and messages.
  • Lack of regulation; Many lenders operate outside the legal framework engaging in dubious practices for loan recovery.
  • Strategies: Tactics involve reaching out to contacts of borrowers imposing interest charges and employing aggressive debt collection techniques.

The Negative Aspects of Mobile Money Lending

Persistent Harassment and Privacy Intrusion

Individuals who fail to meet payment deadlines often face a barrage of text messages and numerous phone calls from lenders. These interactions can be forceful and invasive extending beyond the borrower by targeting their acquaintances well.

Sometimes lenders reach out to the borrowers loved ones, friends, or coworkers to try and pressurize the borrower into repaying the loan.

Questionable Practices, in Unregulated Settings

Dubious mobile money lenders operate without licenses or adherence to regulatory guidelines set by institutions like CBK. This lack of supervision allows them to carry out activities such as imposing high interest rates sometimes going beyond 50% per month. Moreover, some lenders have been found to misuse data of borrowers for purposes than recovering loans.

Real Life Examples

1. Johns Experience; John, a business owner borrowed money from a mobile money lender to restock his shop. When he faced difficulties in making repayments the lender bombarded him with messages and calls every day. The lender even sent messages to Johns family members threatening to reveal his default status to the community if he didn’t settle the debt.

2. Mary’s Account; Mary, a professional, took a loan from a lender, for medical expenses. After missing a payment deadline, she received intimidating messages from the lender warning her about consequences and imprisonment. The lender also got in touch with Mary’s employer causing her stress and embarrassment, at work.

Effect of CBK Regulations

CBK has implemented rules to oversee mobile money lending by mandating lenders to adhere to a set criteria when reminding borrowers to repay their loans. These requirements include obtaining necessary licenses, being transparent about loan terms and practicing debt collection methods. While these actions have resulted in the regulation of some lenders many still operate unlawfully.

Potential Consequences

The aggressive strategies employed by mobile money lenders present threats to borrowers’ mental health and overall wellbeing. Persistent harassment can lead to feelings of anxiety, stress and potentially result in depression. Moreover, these practices erode trust in the mobile money lending sector.

To safeguard citizens from predatory tactics, stricter enforcement of regulations is imperative. CBK should collaborate closely with other authorities to crackdown on lenders and ensure borrowers are treated justly and respectfully. Increasing awareness about these issues is also crucial for empowering borrowers to make choices and steer clear of lenders.

Why You Should Consider Using Trading Apps

In today’s fast-moving finance environment, having the capability to make savvy investment choices while on the move is crucial for many. Trading apps, the digital platforms transforming our interactions with finance, are at the forefront of this shift. They offer the ease of managing investments from any location and provide real-time market data, a significant advantage for those invested in the fast-paced cryptocurrency trading market. These platforms simplify the often-complex digital currency market for their users.

The Beauty of Trading on the Go

The main attraction of trading apps is their ability to make stock market access widespread and relatively easy. The necessity to be stationed in front of a computer or rely on a broker for updates is a thing of the past. Now, a few swipes on your smartphone allow you to manage your portfolio, execute trades or receive specific notifications about your investments. This unmatched accessibility ensures that you always stay informed, regardless of where in the world you are.

The portability of trading apps means that investors can react to market changes in real-time, no matter their location. Whether you’re commuting to work, waiting in line at the store or enjoying a coffee break, you can simply pull out your smartphone and make trades as needed. This level of flexibility is especially valuable for those who are unable to devote their full attention to the markets during traditional trading hours.

Beginners Welcome Here

For those new to trading, entering the stock market can seem overwhelming. Nonetheless, trading apps are created with novice users in mind. These apps boast user-friendly interfaces that walk you through trading processes step by step, making complex actions simpler and much easier to understand. Furthermore, many platforms provide educational content, including tutorials and practice simulations that let you learn without financial risk. These features not only boost confidence, but also help users gain a comprehensive understanding of trading strategies and market fluctuation.

Many trading apps also offer virtual trading accounts, which allow users to practice trading with simulated money before risking their own capital. This is an excellent way for beginners to get a feel for the markets and test out different trading strategies without the pressure of real financial consequences. As users gain confidence and experience, they can gradually transition to trading with real money.

Keeping Tabs on the Market Made Easy

Being informed about market trends and updates is essential for smart trading decisions. Trading apps integrate news feeds and analytical tools that offer deep market insights. By crafting personalized watchlists, you can keep an eye on chosen stocks or sectors. This rapid access to information can give you a competitive advantage, allowing for quick responses to market shifts.

In addition to news feeds and watchlists, many trading apps also offer advanced charting capabilities and technical analysis tools. These features allow users to study price action, identify trends and make more informed trading decisions. Some apps even offer social trading features, which allow users to follow and copy the trades of successful investors, providing valuable insights and ideas.

Security Concerns Addressed

A significant worry with online trading is security. Trading apps take this concern seriously by implementing advanced encryption and security measures. Functions such as two-factor authentication and biometric logins provide additional safety layers, safeguarding your data and financial resources. With these security measures in place, you can trade confidently, knowing your investments are secure.

To further enhance security, many trading apps also offer the option to set up touch ID or face recognition login, adding an extra layer of protection. Additionally, reputable trading apps are regulated by financial authorities and are required to follow strict security protocols to safeguard user data and funds. However, it’s still important for users to take their own precautions, such as using strong passwords and avoiding public Wi-Fi networks when accessing their trading accounts.

Customization is Key

Every trader has their own preferences and style. Recognizing this, trading apps offer customizable features to suit individual needs. From setting alerts for specific price changes to adjusting the app’s interface, these platforms allow you to trade in a way that best suits you. For tech-savvy individuals, certain apps even provide API access for creating automated trading bots that operate based on specific criteria.

Some trading apps even allow users to create custom indicators and trading strategies using built-in scripting languages. This level of customization is particularly useful for experienced traders who have developed their own unique approaches to the markets. By tailoring the app to their specific needs, traders can create a powerful and efficient trading environment that works seamlessly with their individual style.

Minimal Fees, Maximum Convenience

Trading used to involve various fees, including brokerage commissions and account maintenance costs. However, trading apps generally offer lower fees and do not require a minimum account balance. This accessibility benefits beginners in particular. Moreover, many platforms offer sign-up incentives, such as complimentary stocks for new members, lowering the entry barrier even further.

The low-cost structure of trading apps is particularly beneficial for frequent traders, as the savings on fees can add up significantly over time. Additionally, many apps offer fractional share trading, allowing users to invest in expensive stocks with smaller amounts of money. This feature makes it easier for investors with limited capital to build a diversified portfolio.

Navigating the Learning Curve

Although trading apps have made investing more accessible, there remains a learning curve. To maximize your trading app experience, take time to explore its features and settings. Utilize available educational materials and consider practicing with demo accounts. Bear in mind, the fundamentals of careful investing still apply in the digital space—start small, diversify your portfolio and avoid making emotional trading choices.

In conclusion, trading apps have transformed the investment landscape, offering ease, accessibility, and convenience for interfacing with the stock market. Whether you’re a seasoned investor or at the beginning of your trading journey, these digital tools present the necessary resources for successful market navigation. By integrating trading apps into your financial strategy, you harness the numerous advantages they provide, empowering you to make knowledgeable investment decisions in today’s dynamic financial climate.

Mastercard and Equity Bank Collaborate to Facilitate Cross-Border Transactions in 30 Countries

Mastercard and Equity Bank have announced a collaboration that enables Equity Bank clients to easily and securely transfer money to 30 countries marking an advancement, in cross border financial transactions in Kenya. This partnership signifies a milestone for the bank in improving the efficiency and accessibility of international remittances.

Quick Summary:

  • Collaboration: Mastercard and Equity Bank collaborate to enable cross-border transactions to 30 countries.
  • Mastercard Cross-Border Services: Equity Bank customers can send funds through any Equity branch location in Kenya, benefiting from faster transaction times, enhanced security measures, and competitive pricing.
  • Impact on Financial Inclusion: The partnership aims to shift remittances from informal channels to a secure and formal platform, contributing to financial inclusion and the overall well-being of migrants and beneficiaries.

Revolutionizing Cross-Border Remittances

As we all know, cross-border remittances especially in foeign currency are just as important to the economy here in the sub-Saharan Africa. It is estimated that about $53 billion in foreign remittances was deposited in the region in the year 2022. Here in Kenya, foreign currency inflows totaled $5.77 billion within the same year and therefore the latest strategic partnership between Mastercard and Equity Bank will aim to facilitate a smoother, safer, and more cost-effective international remittances, ultimately empowering individuals while fostering economic growth and stability in the region.

Through Mastercard Cross-Border Services, Equity Bank customers can expect to send funds from any of the Equity branch locations in Kenya. The platform offers several benefits including faster transaction times, enhanced security measures, as well as competitive pricing. This makes cross-border transactions accessible to consumers across Equity Bank’s extensive market network.

Enhancing Financial Inclusion and Security

The partnership is in line with the changing landscape of payments offering customers credible and efficient transactions. It ensures that recipients receive their value without any landing fees which keeps service charges lower than international payment options.

Mark Elliott, who serves as Mastercard’s President for Africa expressed his satisfaction with the collaboration. He stressed the importance of offering solutions that give customers options, security and flexibility while conducting transactions from Kenya.

On the hand Dr. James Mwangi, the Group MD and CEO of Equity Group emphasized the importance of this partnership as an advancement in financial services. He referred to it as a beacon of progress in the industry. This collaboration showcases Equity Banks dedication to providing solutions that cater to the changing needs of its customers and solidifying its position, in promoting inclusive growth throughout the region.

Potential Impact

Looking at the deal between Mastercard and Equity Bank, it’s safe to say that customers will most likely have a profound impact touching on senders who will benefit from reduced costs and the opportunity to transition remittances from informal, less regulated channels to secure and formal platforms.

National Assembly Endorses New Cybercrime Regulations

The Computer Misuse and Cybercrime (Critical Information Infrastructure and Cybercrime Management) Regulations of 2024 have been approved by the National Assembly. This decision is a milestone, in enhancing cybersecurity within industries, like banking, telecommunications and energy throughout Kenya.

Quick Summary:

  • Regulations Approved: The National Assembly has approved new regulations that aim to enhance cybersecurity within critical sectors.
  • Public Participation: A public participation campaign launched in September 2023 contributed to the development of the regulations.
  • NC4 Coordination: The National Computer and Cybercrimes Coordination Committee (NC4) leads the effort in implementing and monitoring cybersecurity measures in Kenya.

Strengthening Cybersecurity

The Ministry of Interior and National Administration has declared that the published regulations, which were made official on February 9 align, with the requirements of the Statutory Instruments Act of 2023 and Section 70 of the Computer Misuse and Cybercrimes Act of 2018.

The regulations establish a comprehensive framework for monitoring, detecting, and responding to cybersecurity threats within Kenya’s digital landscape putting more emphasis on the protection of Critical Information Infrastructure.

NC4’s Role and Coordination

The National Computer and Cybercrimes Coordination Committee (NC4) operating under the State Department of Internal Security and National Administration led a public engagement initiative in September 2023 to collect input, on the proposed rules.

NC4 is responsible for overseeing all cybersecurity issues in Kenya as outlined in the Computer Misuse and Cybercrimes Act No. 5 of 2018 (CMCA). Its primary objective is to ensure efficient identification, prevention, deterrence, response, investigation and prosecution of computer and cyber related crimes.

Under the guidance of the Principal Secretary of Internal Security and National Administration NC4 functions with a Secretariat that puts its decisions and plans into action. By adopting an approach NC4 aims to uphold a reliable online environment while leveraging the advantages of the digital economy, for Kenyan citizens.

Potential Impact

The approval of the cybercrime rules by the National Assembly marks an achievement in Kenya’s continuous drive to strengthen cybersecurity in vital areas of the economy. By giving importance to safeguarding Critical Information Infrastructure and organizing cybersecurity efforts via NC4 the nation is establishing a groundwork for a more protected landscape. These regulations also facilitate partnerships among the government-private sector and various parties nurturing a digital environment that can confront new cyber risks as well as build confidence, in Kenyas digital economy.

Ezra Chiloba Cleared as EACC Finds Insufficient Evidence in CA Mortgage Scheme Case

The Ethics and Anti-Corruption Commission (EACC) has exonerated Ezra Chiloba who was the former Director General of the Communications Authority of Kenya (CA), from accusations related to a Staff Mortgage Scheme. The decision follows a thorough investigation that was conducted by the EACC, which found insufficient evidence to support the allegations against Chiloba. The EACC also recommended that the CA revise its Human Resource policies and procedures.

Quick Summary

  • EACC investigation cleared Ezra Chiloba of allegations linked to the CA Staff Mortgage Scheme.
  • The EACC advised the CA to review its HR policies and procedures in line with current regulations.
  • Ezra Chiloba is set for parliamentary vetting as Kenya’s Consul General to Los Angeles, USA.

EACC Investigation and Recommendations

The EACC investigation into allegations of mismanagement of a KES 662.4 million Staff Mortgage Scheme at the CA resulted in Ezra Chiloba’s exoneration. Although Chiloba faced serious accusations of abuse of office and conflict of interest, the EACC found the evidence against him to be insufficient. During the investigations, the atmosphere was so politicized that it was not clear to everyone, especially given that the lucrative CA director general’s position was at stake with obviously interested parties keen on what was to happen next.

In light of these findings, the EACC has closed the matter without further action under Section 25A of the Anti-Corruption and Economic Crimes Act of 2003. It however recommended the CA to revise its Human Resource Policy and Procedure Manual to comply with existing regulations.

Background on the Case

Ezra Chiloba’s troubles began after an internal audit report alleged mismanagement in the CA’s Staff Mortgage Scheme. The developments led to an investigation by the EACC and the CA’s subsequent decision to subject Chiloba to disciplinary proceedings according to Section 45 of the Employment Act 2007.

In response to the investigation, Chiloba was suspended as Director General of the CA and eventually opted to resign on October 18, 2023. Subsequently following his resignation, Christopher Wambua was then appointed as acting DG, and David Mugonyi was later named Director General and Chief Executive Officer, assuming office from January 15, 2024.

Chiloba’s Ambassadorial Nomination

Despite his earlier troubles, Ezra Chiloba has been nominated as Kenya’s Consul General to Los Angeles, USA. He is currently facing a parliamentary vetting committee for the role.

Potential Impact

The EACC’s decision to clear Chiloba of wrongdoing in the CA mortgage scheme case could restore his reputation and influence in Kenya’s public sector. His new nomination as Consul General to Los Angeles represents an opportunity for him to begin a new chapter in his career. However, the success of his nomination will depend on the outcome of the parliamentary vetting process which by going with recent processes might not be as difficult to go through.

Risks of Physical SIM Cards in Kenya: Why eSIMs from Safaricom, Airtel, and Jamii Telkom Are a Safer Choice

eSIM stands for embedded SIM. It is the one that is already integrated into your mobile phone, tablet, or device, at least for those of us with current mobile devices. Unlike traditional SIM Cards, here the card is digitized, meaning it is not in a physical mode. eSIM uses the device’s hardware to save information and does not require a physical card to be inserted into smartphone. For those who’ve known or interacted with me, can easily testify that I’m a sucker of eSims, I like the idea of not having to swap a SIM card whenever you change a device, simply scan a code and you’ll be on your way.

Comparing with the days of yore, mobile service providers have shifted from traditional physical sim cards to eSim, and here in Kenya is no exception. I wonder if they are doing enough to educate subscribers on all the benefits, they might be missing out for not having an eSim? One of those benefits is of course enhanced security that we are going to highlight here.

We’ve for the longest time relied on physical sim cards which pose quite a number of security challenges that should not be overlooked. Here In Kenya, we are lucky that major telecom providers such as Safaricom, Airtel, and Jamii Telkom are at the forefront of offering eSIM technology, which presents a more secure alternative to the traditional physical SIM card.

Quick Summary

  • Physical SIM Cards Pose Security Risks: Traditional SIM cards can be easily removed and misused if a phone is stolen.
  • eSIMs Provide Device Security: eSIMs offer enhanced security features by being tied to device security such as PINs and biometrics.
  • Telecom Providers in Kenya Support eSIMs: Safaricom, Airtel, and Jamii Telkom offer eSIM services, making them a secure option for Kenyan users.

Risks of Physical SIM Cards

While physical SIM cards have been a staple in mobile communications for decades, they come with certain risks:

  • Vulnerability to Theft: Physical SIM cards can be removed from a phone and inserted into another, giving thieves access to sensitive information such as contacts and mobile wallets.
  • Lack of Security: Most Kenyans do not use a SIM PIN, which leaves the SIM card, and consequently the data on it, unprotected.
  • Unauthorized Access: Once a SIM card is stolen, thieves can reset security pins and use credit balance for unauthorized calls and other activities.

Advantages of eSIMs

eSIMs, on the other hand, offer a secure and convenient alternative:

  • Tied to Device Security: eSIMs are tied to the security features of the device, such as biometric authentication and PINs, making them more secure.
  • Cannot Be Easily Removed: Since eSIMs are embedded within the phone, they are not easily removed and misused by thieves.
  • Ease of Activation and Switching: eSIMs allow for seamless activation and switching between networks without the need for a physical card.

Case Studies and Statistics

Several real-life incidents highlight the risks of using physical SIM cards in Kenya:

  • SIM Swap Fraud: Instances of SIM swap fraud have been reported here in Kenya with cases lodged where fraudsters gain unauthorized access to an individual’s mobile wallet by stealing the physical SIM card.
  • Phone Theft and Misuse: There have been numerous cases where stolen phones with physical SIM cards led to unauthorized usage, including making calls and sending texts on behalf of the victim. Unfortunately, in some instances even family members claim to be the victim where they successfully solicit for money.

Just a few days ago, I remembered a good friend of mine who lost her phone while boarding a matatu. Since she didn’t have a spare phone, there was no way she could reach her relatives and therefore she had to proceed to complete her cores before returning home. Unfortunately for her, the person who stole her phone managed to access contact on the phone saved with common names such as mom, dad and so forth and send them text messages alleging she had been arrested and they were the police. Un knowingly, they send money in what they believed to be saving their keen only later to learn the unfortunate circumstance.

Potential Impact

While the shift towards eSIM technology may take time and even face some expected skepticism, its potential impact on personal security and privacy is significant to say the least. We like the approach by telecom providers such as Safaricom, Airtel, and Jamii Telkom who are making strides in providing eSIM services, paving the way for safer and more secure mobile communication in Kenya. By adopting eSIMs, Kenyans can enjoy the benefits of technology while mitigating the risks associated with traditional physical SIM cards.