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AZZAM: We have a different set of problems in the region th
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PostPosted: Thu Mar 14, 2019 9:55 am 
Post subject:  AZZAM: We have a different set of problems in the region th
 

NAIROBI Maglia Sime Vrsaljko Inter Milano , Aug. 16 (Xinhua) -- Kenyans have clung onto SMSs despite actively using web-based message apps that include WhatsApp, Facebook and Twitter.


The number of messages East African nation's citizens send remains high about five years since social media craze hit the nation, as the love defies trends in other parts of the world.


Kenyans send up to a record 13 billion text messages in three months, latest figures from the Communication Authority of Kenya (CA) showed Wednesday.


This translates to about 400 messages per individual who owns a mobile phone in the East African nation as subscription stands at 39 million Maglia Antonio Candreva Inter Milano , the CA data for the period January to March indicated.


"The volume of SMSs sent stood at 12.8 billion messages, a slight decline from the previous quarter's 15 billion messages," said the CA.


But the regulator attributed the drop to seasonal changes over the periods, where the quarter October to December experienced many busy activities like the Christmas holidays and long school holidays Maglia Marcelo Brozovic Inter Milano , which saw many people texting.


Nearly 95 percent of the text-messages are sent on leading telecom Safaricom network with the other five sharing the rest.


Safaricom during the quarter under review recorded a total of 12.6 billion messages sent from its network.


Analysts cite a number of reasons as to why Kenyans have clung onto SMSs even as the world shifts to social media and other forms of internet messaging.


Bernard Mwaso of Edell IT Solutions in Nairobi attributed the resilience of SMSs to the promotions offered by the telecoms.


All the mobile phone operators in Kenya currently offer their customers daily bundle packages ranging from 20 to 500 SMSs and go at between 0.05 U.S. dollars to 0.19 dollars.


"If one gets 500 SMSs at 0.19 dollars, why would they not write text messages all daylong? This is what is making Kenyans to keep on texting because the service is too cheap, the cost nearly negligible as compared to social media where one has to buy internet bundles," he said on Wednesday.


Normally Maglia Tommaso Berni Inter Milano , it costs 0.01 dollars to send a single text message, but with the packages, one sends SMSs almost for free.


Mwaso further observed that the convenience of text messages makes the service further more popular.


"You can send to anyone a text-message instantly regardless of whether they have a smart or dumb phone. This is not the case with social media where one has to have a smart phone to access the service. SMSs therefore remains the most appealing way to send messages among the 39 million subscribers," he said.


Appeal of text-messages has Maglia Ivan Perisic Inter Milano , therefore, made Kenyans embrace both the free message apps and the former.


"When I joined Facebook, I tried ignoring SMSs because I thought the service has been overtaken by time but I failed. What drove me back to SMS was the bundles the telecoms offer. But now I use both the social media apps and SMSs," said 25-year-old university student Hazel Lihanda.


However Maglia Milan Skriniar Inter Milano , as use of SMSs soars amid social media use, the use of Multimedia Messages (MMS) has declined considerably affected by the free message apps. It costs 0.10 dollars to send a single MMS, which is too costly.


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At present, what is the level of constraint on intra-bank lending?


AZZAM: The impact of the international crisis on us is clearly going to be noticeable. We are all connected; what happens in Europe and the USA affects the Middle East and the rest of the world. Because of the inter-linkages and the connection between banks Maglia Danilo D'Ambrosio Inter Milano , if banks in the major European countries become risk averse, or tight on liquidity, they would not be able to place funds abroad, and would not have the appetite to finance existing maturing debt for countries in the region. So I would expect that countries that need to refinance would find it more difficult because of the international banks lack of willingness and ability to do so. There might be situation where intra-bank lines will be affected if banks in Europe are also experiencing tight liquidity conditions then the surplus funds they would normally deposit through the intra-bank market to other banks will be less. This is a global market Maglia Dalbert Henrique Inter Milano , but different counties and different banks will feel it differently. Those who depend more on retail deposits will feel it less. Those who are wholesale banks, whose major deposit base is the intra-bank market, they will feel the heat. For example, GIB and ABC in Bahrain Maglia Daniele Padelli Inter Milano , these are wholesale banks without retail branches in the region they depend a lot on the intra-bank market and they will feel it more than a bank like NBAD or ADCB or National Bank of Kuwait or NCB, those are banks that are dependent more on branches and retail deposits. So it varies from one bank to another and it varies by countries as well.


How will this region specifically be affected by the international crisis in comparison to the rest of the world?


AZZAM: We have a different set of problems in the region than the problems banks in Europe, the USA or the Far East are facing. In Europe, we are seeing huge exposure to markets in Southern Europe and Greece. There are non-performing loans for which they need to take provisions Maglia Miranda Inter Milano , they need to recapitalize, and there are problems with the Euro. We do not have these problems; we have minimal exposure to Greece and minimal exposure to Southern Europe. We are affected indirectly because the feeling of ri. Wholesale Retro Jerseys Wholesale NFL Jerseys From China Wholesale NBA Jerseys Online Wholesale MLB Jerseys From China Wholesale NHL Jerseys Cheap Wholesale NFL Football Jerseys Wholesale Authentic NCAA Jerseys Cheap Jerseys China Cheap Jerseys China Cheap Authentic Soccer Jerseys
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