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This chapter attempts to answer the second research question: do Kenya’s telecoms regulations recognize inter-sectoral converged services such as mobile financial services, as telecommunications services? It discusses the policy and regulatory issues and challenges that mobile financial service provision has presented to mobile telecommunications policy, law and regulation. It assesses the adequacy of Kenyan telecommunications law in dealing with these issues.
The chapter argues that Kenya’s telecommunications laws and regulations are ambivalent as to the status of converged services such as mobile financial services, within the definition of ‘telecommunications services’. The framework for discussion is structured around the following key telecommunications regulatory issues: authorization and licensing; interconnection and interoperability; competition; universal access and service; and quality of service (QoS).