Mike, Why not use an Equity agent? Br. On Wed, May 6, 2015 at 12:07 PM, Michael Bullut via skunkworks < skunkworks@lists.my.co.ke> wrote:

It's Equity leading from the bottom... I always dread the queues especially when paying my rent!

On 6 May 2015 at 11:52, Tusker 21 via skunkworks < skunkworks@lists.my.co.ke> wrote:

...

Is there any survey rating banks in Kenya? Especially based on service delivery and customer satisfaction?

I do not know which one is the market leader but i am certain co-op bank might be leading from the bottom.

R, T21

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@Michael, the secret to living a happy life with Equity is thus: 1. Try as much as possible not to need to go over the counter 2. If you have to go over the counter, go at abnormal hours, e.g. just after opening, just before closing. And even then, make sure your phone is fully charged and with sufficient internet bundles, just incase 3. Consider e-banking, or not 4. Use branches which are a little far from normal foot traffic :-) Oh, and finally, try to never have a problem that will require special intervention On Wed, May 6, 2015 at 12:23 PM, Michael Bullut via skunkworks < skunkworks@lists.my.co.ke> wrote:

Joan, you mean I don't need to go to an Equity banking hall to transact? [?]

On 6 May 2015 at 12:19, Joan Wanjiku <jociku@gmail.com> wrote:

...

Mike,

Why not use an Equity agent?

Br.

On Wed, May 6, 2015 at 12:07 PM, Michael Bullut via skunkworks < skunkworks@lists.my.co.ke> wrote:

...

It's Equity leading from the bottom... I always dread the queues especially when paying my rent!

On 6 May 2015 at 11:52, Tusker 21 via skunkworks < skunkworks@lists.my.co.ke> wrote:

...

Is there any survey rating banks in Kenya? Especially based on service delivery and customer satisfaction?

I do not know which one is the market leader but i am certain co-op bank might be leading from the bottom.

R, T21

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Mike, I hate to the one to break it to you but yeah, you've been wasting your precious minutes. Once you go agent, you never go back. Try it. [?] On Wed, May 6, 2015 at 12:24 PM, Kennedy Kairu Kariuki <kkairu@gmail.com> wrote:

@Michael, Easy247. I go to the branch because I want to not because I have to.

Kind Regards,

Kennedy KK

Mobile: +254721699119 Skype: k.kairu Gtalk: kkairu

On Wed, May 6, 2015 at 12:19 PM, Joan Wanjiku via skunkworks < skunkworks@lists.my.co.ke> wrote:

...

Mike,

Why not use an Equity agent?

Br.

On Wed, May 6, 2015 at 12:07 PM, Michael Bullut via skunkworks < skunkworks@lists.my.co.ke> wrote:

...

It's Equity leading from the bottom... I always dread the queues especially when paying my rent!

On 6 May 2015 at 11:52, Tusker 21 via skunkworks < skunkworks@lists.my.co.ke> wrote:

...

Is there any survey rating banks in Kenya? Especially based on service delivery and customer satisfaction?

I do not know which one is the market leader but i am certain co-op bank might be leading from the bottom.

R, T21

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My experience, KCB is one of those leading from the bottom - I am happy with services at StanChart and NIC Bank so far - customer services of both are up there! ./Ok3ch On Wed, May 6, 2015 at 10:35 AM, Kennedy Kairu Kariuki via skunkworks < skunkworks@lists.my.co.ke> wrote:

@Joan, are agents able to reverse a transaction? I know a person who insists on bank branch receipts (though similar with the agents but with addition of the agent name) because of the reversals.

Kind Regards,

Kennedy KK

Mobile: +254721699119 Skype: k.kairu Gtalk: kkairu

On Wed, May 6, 2015 at 12:33 PM, Joan Wanjiku <jociku@gmail.com> wrote:

...

Mike,

I hate to the one to break it to you but yeah, you've been wasting your precious minutes. Once you go agent, you never go back. Try it. [?]

On Wed, May 6, 2015 at 12:24 PM, Kennedy Kairu Kariuki <kkairu@gmail.com> wrote:

...

@Michael, Easy247. I go to the branch because I want to not because I have to.

Kind Regards,

Kennedy KK

Mobile: +254721699119 Skype: k.kairu Gtalk: kkairu

On Wed, May 6, 2015 at 12:19 PM, Joan Wanjiku via skunkworks < skunkworks@lists.my.co.ke> wrote:

...

Mike,

Why not use an Equity agent?

Br.

On Wed, May 6, 2015 at 12:07 PM, Michael Bullut via skunkworks < skunkworks@lists.my.co.ke> wrote:

...

It's Equity leading from the bottom... I always dread the queues especially when paying my rent!

On 6 May 2015 at 11:52, Tusker 21 via skunkworks < skunkworks@lists.my.co.ke> wrote:

...

Is there any survey rating banks in Kenya? Especially based on service delivery and customer satisfaction?

I do not know which one is the market leader but i am certain co-op bank might be leading from the bottom.

R, T21

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Guys, how is it then that KCB is valued highest at NSE ahead of Equity? On Wed, May 6, 2015 at 1:19 PM, George Irungu via skunkworks < skunkworks@lists.my.co.ke> wrote:

I agree, KCB is proudly leading from the bottom,

NIC could easily be the best at service delivery with a portal that ensures you rarely have to go to the bank and good turn around time.

-George

------------------------------ Date: Wed, 6 May 2015 10:39:55 +0100 To: kkairu@gmail.com; skunkworks@lists.my.co.ke Subject: Re: [Skunkworks] Banks in Kenya From: skunkworks@lists.my.co.ke

My experience, KCB is one of those leading from the bottom - I am happy with services at StanChart and NIC Bank so far - customer services of both are up there!

./Ok3ch

On Wed, May 6, 2015 at 10:35 AM, Kennedy Kairu Kariuki via skunkworks < skunkworks@lists.my.co.ke> wrote:

@Joan, are agents able to reverse a transaction? I know a person who insists on bank branch receipts (though similar with the agents but with addition of the agent name) because of the reversals.

Kind Regards,

Kennedy KK

Mobile: +254721699119 Skype: k.kairu Gtalk: kkairu

On Wed, May 6, 2015 at 12:33 PM, Joan Wanjiku <jociku@gmail.com> wrote:

Mike,

I hate to the one to break it to you but yeah, you've been wasting your precious minutes. Once you go agent, you never go back. Try it.

On Wed, May 6, 2015 at 12:24 PM, Kennedy Kairu Kariuki <kkairu@gmail.com> wrote:

@Michael, Easy247. I go to the branch because I want to not because I have to.

Kind Regards,

Kennedy KK

Mobile: +254721699119 Skype: k.kairu Gtalk: kkairu

On Wed, May 6, 2015 at 12:19 PM, Joan Wanjiku via skunkworks < skunkworks@lists.my.co.ke> wrote:

Mike,

Why not use an Equity agent?

Br.

On Wed, May 6, 2015 at 12:07 PM, Michael Bullut via skunkworks < skunkworks@lists.my.co.ke> wrote:

It's Equity leading from the bottom... I always dread the queues especially when paying my rent!

On 6 May 2015 at 11:52, Tusker 21 via skunkworks < skunkworks@lists.my.co.ke> wrote:

Is there any survey rating banks in Kenya? Especially based on service delivery and customer satisfaction?

I do not know which one is the market leader but i am certain co-op bank might be leading from the bottom.

R, T21

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Reason being KCB has a bigger financial asset base not just in Kenya but in East Africa. -----Original Message----- From: "Peter Karunyu via skunkworks" <skunkworks@lists.my.co.ke> Sent: ‎5/‎6/‎2015 13:53 To: "George Irungu" <g.irungu@logicalcrest.co.ke>; "Skunkworks Mailing List" <skunkworks@lists.my.co.ke> Subject: Re: [Skunkworks] Banks in Kenya Guys, how is it then that KCB is valued highest at NSE ahead of Equity? On Wed, May 6, 2015 at 1:19 PM, George Irungu via skunkworks <skunkworks@lists.my.co.ke> wrote: I agree, KCB is proudly leading from the bottom, NIC could easily be the best at service delivery with a portal that ensures you rarely have to go to the bank and good turn around time. -George Date: Wed, 6 May 2015 10:39:55 +0100 To: kkairu@gmail.com; skunkworks@lists.my.co.ke Subject: Re: [Skunkworks] Banks in Kenya From: skunkworks@lists.my.co.ke My experience, KCB is one of those leading from the bottom - I am happy with services at StanChart and NIC Bank so far - customer services of both are up there! ./Ok3ch On Wed, May 6, 2015 at 10:35 AM, Kennedy Kairu Kariuki via skunkworks <skunkworks@lists.my.co.ke> wrote: @Joan, are agents able to reverse a transaction? I know a person who insists on bank branch receipts (though similar with the agents but with addition of the agent name) because of the reversals. Kind Regards, Kennedy KK Mobile: +254721699119 Skype: k.kairu Gtalk: kkairu On Wed, May 6, 2015 at 12:33 PM, Joan Wanjiku <jociku@gmail.com> wrote: Mike, I hate to the one to break it to you but yeah, you've been wasting your precious minutes. Once you go agent, you never go back. Try it. On Wed, May 6, 2015 at 12:24 PM, Kennedy Kairu Kariuki <kkairu@gmail.com> wrote: @Michael, Easy247. I go to the branch because I want to not because I have to. Kind Regards, Kennedy KK Mobile: +254721699119 Skype: k.kairu Gtalk: kkairu On Wed, May 6, 2015 at 12:19 PM, Joan Wanjiku via skunkworks <skunkworks@lists.my.co.ke> wrote: Mike, Why not use an Equity agent? Br. On Wed, May 6, 2015 at 12:07 PM, Michael Bullut via skunkworks <skunkworks@lists.my.co.ke> wrote: It's Equity leading from the bottom... I always dread the queues especially when paying my rent! On 6 May 2015 at 11:52, Tusker 21 via skunkworks <skunkworks@lists.my.co.ke> wrote: Is there any survey rating banks in Kenya? Especially based on service delivery and customer satisfaction? I do not know which one is the market leader but i am certain co-op bank might be leading from the bottom. R, T21 _______________________________________________ skunkworks mailing list skunkworks@lists.my.co.ke ------------ List info, subscribe/unsubscribe http://lists.my.co.ke/cgi-bin/mailman/listinfo/skunkworks ------------ Skunkworks Rules http://my.co.ke/phpbb/viewtopic.php?f=24&t=94 ------------ Other services @ http://my.co.ke _______________________________________________ skunkworks mailing list skunkworks@lists.my.co.ke ------------ List info, subscribe/unsubscribe http://lists.my.co.ke/cgi-bin/mailman/listinfo/skunkworks ------------ Skunkworks Rules http://my.co.ke/phpbb/viewtopic.php?f=24&t=94 ------------ Other services @ http://my.co.ke _______________________________________________ skunkworks mailing list skunkworks@lists.my.co.ke ------------ List info, subscribe/unsubscribe http://lists.my.co.ke/cgi-bin/mailman/listinfo/skunkworks ------------ Skunkworks Rules http://my.co.ke/phpbb/viewtopic.php?f=24&t=94 ------------ Other services @ http://my.co.ke _______________________________________________ skunkworks mailing list skunkworks@lists.my.co.ke ------------ List info, subscribe/unsubscribe http://lists.my.co.ke/cgi-bin/mailman/listinfo/skunkworks ------------ Skunkworks Rules http://my.co.ke/phpbb/viewtopic.php?f=24&t=94 ------------ Other services @ http://my.co.ke _______________________________________________ skunkworks mailing list skunkworks@lists.my.co.ke ------------ List info, subscribe/unsubscribe http://lists.my.co.ke/cgi-bin/mailman/listinfo/skunkworks ------------ Skunkworks Rules http://my.co.ke/phpbb/viewtopic.php?f=24&t=94 ------------ Other services @ http://my.co.ke _______________________________________________ skunkworks mailing list skunkworks@lists.my.co.ke ------------ List info, subscribe/unsubscribe http://lists.my.co.ke/cgi-bin/mailman/listinfo/skunkworks ------------ Skunkworks Rules http://my.co.ke/phpbb/viewtopic.php?f=24&t=94 ------------ Other services @ http://my.co.ke

Something I found funny with StanChart is that if you connect from a country listed in the US embargo list like Sudan, you cannot use the online services - Just saw a note, haven't tried it though ./Ok3ch On Wed, May 6, 2015 at 12:35 PM, Kennedy Kairu Kariuki via skunkworks < skunkworks@lists.my.co.ke> wrote:

You'll never go wrong with StanChart - Online or 722 even outside the country

Kind Regards,

Kennedy KK

Mobile: +254721699119 Skype: k.kairu Gtalk: kkairu

On Wed, May 6, 2015 at 2:18 PM, Ben via skunkworks < skunkworks@lists.my.co.ke> wrote:

...

Reason being KCB has a bigger financial asset base not just in Kenya but in East Africa. ------------------------------ From: Peter Karunyu via skunkworks <skunkworks@lists.my.co.ke> Sent: 5/6/2015 13:53

To: George Irungu <g.irungu@logicalcrest.co.ke>; Skunkworks Mailing List <skunkworks@lists.my.co.ke>

Subject: Re: [Skunkworks] Banks in Kenya

Guys, how is it then that KCB is valued highest at NSE ahead of Equity?

On Wed, May 6, 2015 at 1:19 PM, George Irungu via skunkworks < skunkworks@lists.my.co.ke> wrote:

...

I agree, KCB is proudly leading from the bottom,

NIC could easily be the best at service delivery with a portal that ensures you rarely have to go to the bank and good turn around time.

-George

------------------------------ Date: Wed, 6 May 2015 10:39:55 +0100 To: kkairu@gmail.com; skunkworks@lists.my.co.ke Subject: Re: [Skunkworks] Banks in Kenya From: skunkworks@lists.my.co.ke

My experience, KCB is one of those leading from the bottom - I am happy with services at StanChart and NIC Bank so far - customer services of both are up there!

./Ok3ch

On Wed, May 6, 2015 at 10:35 AM, Kennedy Kairu Kariuki via skunkworks < skunkworks@lists.my.co.ke> wrote:

@Joan, are agents able to reverse a transaction? I know a person who insists on bank branch receipts (though similar with the agents but with addition of the agent name) because of the reversals.

Kind Regards,

Kennedy KK

Mobile: +254721699119 Skype: k.kairu Gtalk: kkairu

On Wed, May 6, 2015 at 12:33 PM, Joan Wanjiku <jociku@gmail.com> wrote:

Mike,

I hate to the one to break it to you but yeah, you've been wasting your precious minutes. Once you go agent, you never go back. Try it.

On Wed, May 6, 2015 at 12:24 PM, Kennedy Kairu Kariuki <kkairu@gmail.com

...

wrote:

@Michael, Easy247. I go to the branch because I want to not because I have to.

Kind Regards,

Kennedy KK

Mobile: +254721699119 Skype: k.kairu Gtalk: kkairu

On Wed, May 6, 2015 at 12:19 PM, Joan Wanjiku via skunkworks < skunkworks@lists.my.co.ke> wrote:

Mike,

Why not use an Equity agent?

Br.

On Wed, May 6, 2015 at 12:07 PM, Michael Bullut via skunkworks < skunkworks@lists.my.co.ke> wrote:

It's Equity leading from the bottom... I always dread the queues especially when paying my rent!

On 6 May 2015 at 11:52, Tusker 21 via skunkworks < skunkworks@lists.my.co.ke> wrote:

Is there any survey rating banks in Kenya? Especially based on service delivery and customer satisfaction?

I do not know which one is the market leader but i am certain co-op bank might be leading from the bottom.

R, T21

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What I've experienced is with BBK who call you when you do a card transaction especially in Nigeria. Kind Regards, Kennedy KK Mobile: +254721699119 Skype: k.kairu Gtalk: kkairu On Wed, May 6, 2015 at 3:35 PM, Tony Likhanga via skunkworks < skunkworks@lists.my.co.ke> wrote:

I've successfully used the StanChart Online banking facility to transfer funds on several occasions while in Khartoum.

Tony.

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The 2FA by SCB is a +++ Kind Regards, Kennedy KK Mobile: +254721699119 Skype: k.kairu Gtalk: kkairu On Wed, May 6, 2015 at 3:47 PM, Tony Likhanga via skunkworks < skunkworks@lists.my.co.ke> wrote:

*2015-05-06 15:42 GMT+03:00 Kennedy Kairu Kariuki <kkairu@gmail.com <kkairu@gmail.com>>:*

...

*What I've experienced is with BBK who call you when you do a card transaction especially in Nigeria.*

Must be the way BBK operate. I had a colleague who had to make calls to BBK each time he needed to use his card from any location outside the country.

ION : StanChart have introduced 2FA mechanism for online card transactions. That's a good step.

Tony.

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I've always defended BBK but today has been my worst experience. In a span of less than 24 hrs, the following have occured: a) Their Mpesa to BBK account via lipa na mpesa is effected the next day if you transact after 3 pm. Woe unto you if it's a Friday. Who does not have realtime Mpesa/Bank interface in 2015?? b) Paypal transaction via BBK debit card failed, despite over 1hr chat with customer care. Issue was escalated to IT and they were to call me. I give them benefit of the doubt here though. It could be an issue with Paypal c) I gave up and decided to transfer the cash to another provider. I did an Account to Mpesa transfer from BBK online banking. As fate would have it, their systems are experiencing issues with Mpesa. I don't know if other banks are affected. The annoying thing is that the reversal can only be done tomorrow (or next working day) after they receive recon files from safcom. Yet the money is already debited from my account. Basically I can't access the money from Mpesa or my account. That's a very dangerous thing to do to a customer if you ask me. Especially in case of an emergency On Wed, May 6, 2015 at 2:35 PM, Kennedy Kairu Kariuki via skunkworks < skunkworks@lists.my.co.ke> wrote:

You'll never go wrong with StanChart - Online or 722 even outside the country

Kind Regards,

Kennedy KK

Mobile: +254721699119 Skype: k.kairu Gtalk: kkairu

On Wed, May 6, 2015 at 2:18 PM, Ben via skunkworks < skunkworks@lists.my.co.ke> wrote:

...

Reason being KCB has a bigger financial asset base not just in Kenya but in East Africa. ------------------------------ From: Peter Karunyu via skunkworks <skunkworks@lists.my.co.ke> Sent: 5/6/2015 13:53

To: George Irungu <g.irungu@logicalcrest.co.ke>; Skunkworks Mailing List <skunkworks@lists.my.co.ke>

Subject: Re: [Skunkworks] Banks in Kenya

Guys, how is it then that KCB is valued highest at NSE ahead of Equity?

On Wed, May 6, 2015 at 1:19 PM, George Irungu via skunkworks < skunkworks@lists.my.co.ke> wrote:

...

I agree, KCB is proudly leading from the bottom,

NIC could easily be the best at service delivery with a portal that ensures you rarely have to go to the bank and good turn around time.

-George

------------------------------ Date: Wed, 6 May 2015 10:39:55 +0100 To: kkairu@gmail.com; skunkworks@lists.my.co.ke Subject: Re: [Skunkworks] Banks in Kenya From: skunkworks@lists.my.co.ke

My experience, KCB is one of those leading from the bottom - I am happy with services at StanChart and NIC Bank so far - customer services of both are up there!

./Ok3ch

On Wed, May 6, 2015 at 10:35 AM, Kennedy Kairu Kariuki via skunkworks < skunkworks@lists.my.co.ke> wrote:

@Joan, are agents able to reverse a transaction? I know a person who insists on bank branch receipts (though similar with the agents but with addition of the agent name) because of the reversals.

Kind Regards,

Kennedy KK

Mobile: +254721699119 Skype: k.kairu Gtalk: kkairu

On Wed, May 6, 2015 at 12:33 PM, Joan Wanjiku <jociku@gmail.com> wrote:

Mike,

I hate to the one to break it to you but yeah, you've been wasting your precious minutes. Once you go agent, you never go back. Try it.

On Wed, May 6, 2015 at 12:24 PM, Kennedy Kairu Kariuki <kkairu@gmail.com

...

wrote:

@Michael, Easy247. I go to the branch because I want to not because I have to.

Kind Regards,

Kennedy KK

Mobile: +254721699119 Skype: k.kairu Gtalk: kkairu

On Wed, May 6, 2015 at 12:19 PM, Joan Wanjiku via skunkworks < skunkworks@lists.my.co.ke> wrote:

Mike,

Why not use an Equity agent?

Br.

On Wed, May 6, 2015 at 12:07 PM, Michael Bullut via skunkworks < skunkworks@lists.my.co.ke> wrote:

It's Equity leading from the bottom... I always dread the queues especially when paying my rent!

On 6 May 2015 at 11:52, Tusker 21 via skunkworks < skunkworks@lists.my.co.ke> wrote:

Is there any survey rating banks in Kenya? Especially based on service delivery and customer satisfaction?

I do not know which one is the market leader but i am certain co-op bank might be leading from the bottom.

R, T21

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Bwana Lawi, my 3 observations : - Bank to M-PESA transactions have unusually high failure/reversal rates. That's what I noted from operating an NIC bank account. This has been the case even before the M-PESA service was relocated to Kenya. - Some PayPal transactions have been affected by how some card providers effected their CHIP-n-PIN technology. If your card explicityl asks for the PIN at all times (e.g the Airtel VISA card), then hard luck! - To those who may be affected, Barclaycard & Barclays Bank are two different entities, factor in some payment reconciliation latencies when using your BBK online banking platforms for transactions involving your Barclaycard Credit Cards. Tony.

I haven't seen CFC Stanbic mentioned. I'm happy with them, as well as NIC and Stanchart. However, I do have one issue they've never managed to resolve. Whenever I do a RTGS transfer from CFC to NIC (via Internet Banking), for some reason the instruction is received on the remote end without the account details. The receiving account doesn't get credited and I always have to request for the transfer advice which I forward to NIC for them to credit the account. Without this intervention the money sits in a suspense account forever. Funny thing is that this happens only between CFC and NIC. As usual each party blames the other, and I'm caught in the middle. Regards, Steve On Wed, May 6, 2015 at 5:46 PM, George Irungu via skunkworks < skunkworks@lists.my.co.ke> wrote:

I have no problem with occasional downtime as that is almost inevitable with systems. The problem is when customer care won't straight up tell you they are experiencing an issue and instead take you round and round with unhelpful questions.

------------------------------ Date: Wed, 6 May 2015 15:41:33 +0300

To: kkairu@gmail.com; skunkworks@lists.my.co.ke Subject: Re: [Skunkworks] Banks in Kenya From: skunkworks@lists.my.co.ke

I've always defended BBK but today has been my worst experience. In a span of less than 24 hrs, the following have occured:

a) Their Mpesa to BBK account via lipa na mpesa is effected the next day if you transact after 3 pm. Woe unto you if it's a Friday. Who does not have realtime Mpesa/Bank interface in 2015??

b) Paypal transaction via BBK debit card failed, despite over 1hr chat with customer care. Issue was escalated to IT and they were to call me. I give them benefit of the doubt here though. It could be an issue with Paypal

c) I gave up and decided to transfer the cash to another provider. I did an Account to Mpesa transfer from BBK online banking. As fate would have it, their systems are experiencing issues with Mpesa. I don't know if other banks are affected. The annoying thing is that the reversal can only be done tomorrow (or next working day) after they receive recon files from safcom. Yet the money is already debited from my account. Basically I can't access the money from Mpesa or my account. That's a very dangerous thing to do to a customer if you ask me. Especially in case of an emergency

On Wed, May 6, 2015 at 2:35 PM, Kennedy Kairu Kariuki via skunkworks < skunkworks@lists.my.co.ke> wrote:

You'll never go wrong with StanChart - Online or 722 even outside the country

Kind Regards,

Kennedy KK

Mobile: +254721699119 Skype: k.kairu Gtalk: kkairu

On Wed, May 6, 2015 at 2:18 PM, Ben via skunkworks < skunkworks@lists.my.co.ke> wrote:

Reason being KCB has a bigger financial asset base not just in Kenya but in East Africa. ------------------------------ From: Peter Karunyu via skunkworks <skunkworks@lists.my.co.ke> Sent: 5/6/2015 13:53

To: George Irungu <g.irungu@logicalcrest.co.ke>; Skunkworks Mailing List <skunkworks@lists.my.co.ke>

Subject: Re: [Skunkworks] Banks in Kenya

Guys, how is it then that KCB is valued highest at NSE ahead of Equity?

On Wed, May 6, 2015 at 1:19 PM, George Irungu via skunkworks < skunkworks@lists.my.co.ke> wrote:

I agree, KCB is proudly leading from the bottom,

NIC could easily be the best at service delivery with a portal that ensures you rarely have to go to the bank and good turn around time.

-George

------------------------------ Date: Wed, 6 May 2015 10:39:55 +0100 To: kkairu@gmail.com; skunkworks@lists.my.co.ke Subject: Re: [Skunkworks] Banks in Kenya From: skunkworks@lists.my.co.ke

My experience, KCB is one of those leading from the bottom - I am happy with services at StanChart and NIC Bank so far - customer services of both are up there!

./Ok3ch

On Wed, May 6, 2015 at 10:35 AM, Kennedy Kairu Kariuki via skunkworks < skunkworks@lists.my.co.ke> wrote:

@Joan, are agents able to reverse a transaction? I know a person who insists on bank branch receipts (though similar with the agents but with addition of the agent name) because of the reversals.

Kind Regards,

Kennedy KK

Mobile: +254721699119 Skype: k.kairu Gtalk: kkairu

On Wed, May 6, 2015 at 12:33 PM, Joan Wanjiku <jociku@gmail.com> wrote:

Mike,

I hate to the one to break it to you but yeah, you've been wasting your precious minutes. Once you go agent, you never go back. Try it.

On Wed, May 6, 2015 at 12:24 PM, Kennedy Kairu Kariuki <kkairu@gmail.com> wrote:

@Michael, Easy247. I go to the branch because I want to not because I have to.

Kind Regards,

Kennedy KK

Mobile: +254721699119 Skype: k.kairu Gtalk: kkairu

On Wed, May 6, 2015 at 12:19 PM, Joan Wanjiku via skunkworks < skunkworks@lists.my.co.ke> wrote:

Mike,

Why not use an Equity agent?

Br.

On Wed, May 6, 2015 at 12:07 PM, Michael Bullut via skunkworks < skunkworks@lists.my.co.ke> wrote:

It's Equity leading from the bottom... I always dread the queues especially when paying my rent!

On 6 May 2015 at 11:52, Tusker 21 via skunkworks < skunkworks@lists.my.co.ke> wrote:

Is there any survey rating banks in Kenya? Especially based on service delivery and customer satisfaction?

I do not know which one is the market leader but i am certain co-op bank might be leading from the bottom.

R, T21

_______________________________________________ skunkworks mailing list skunkworks@lists.my.co.ke ------------ List info, subscribe/unsubscribe http://lists.my.co.ke/cgi-bin/mailman/listinfo/skunkworks ------------

Skunkworks Rules http://my.co.ke/phpbb/viewtopic.php?f=24&t=94 ------------ Other services @ http://my.co.ke

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-- This message represents the official view of the voices in my head.

Stan Chart is doing well with customer service, but their online portal is lackluster. The best portal I have used is the CBA one, though their customer experience is not so polished liker Stan chart. Best Regards, __________________________________________________ George Matuthu | Home: (+254) 725 170043 Skype: gmatuthu​ From: Dennis Kioko via skunkworks [mailto:skunkworks@lists.my.co.ke] Sent: Friday, May 08, 2015 12:37 PM To: Steve Muchai; Skunkworks Mailing List Subject: Re: [Skunkworks] Banks in Kenya My experience with a failed Equity transaction last weekend (holiday weekend) http://www.infotake.co.ke/2015/05/equitel-transaction-errors-equity-bank.htm... . I did escalate the issue to management though and was was promised they would change their policy here. What I love about Equity is their variety of automated offerings, but clearly they need to work on problem resolution. I hear DTB is good in terms of service and issue rsolutions? On Wed, 6 May 2015 at 23:38 Steve Muchai via skunkworks <skunkworks@lists.my.co.ke <mailto:skunkworks@lists.my.co.ke> > wrote: I haven't seen CFC Stanbic mentioned. I'm happy with them, as well as NIC and Stanchart. However, I do have one issue they've never managed to resolve. Whenever I do a RTGS transfer from CFC to NIC (via Internet Banking), for some reason the instruction is received on the remote end without the account details. The receiving account doesn't get credited and I always have to request for the transfer advice which I forward to NIC for them to credit the account. Without this intervention the money sits in a suspense account forever. Funny thing is that this happens only between CFC and NIC. As usual each party blames the other, and I'm caught in the middle. Regards, Steve On Wed, May 6, 2015 at 5:46 PM, George Irungu via skunkworks <skunkworks@lists.my.co.ke <mailto:skunkworks@lists.my.co.ke> > wrote: I have no problem with occasional downtime as that is almost inevitable with systems. The problem is when customer care won't straight up tell you they are experiencing an issue and instead take you round and round with unhelpful questions. _____ Date: Wed, 6 May 2015 15:41:33 +0300 To: kkairu@gmail.com <mailto:kkairu@gmail.com> ; skunkworks@lists.my.co.ke <mailto:skunkworks@lists.my.co.ke> Subject: Re: [Skunkworks] Banks in Kenya From: skunkworks@lists.my.co.ke <mailto:skunkworks@lists.my.co.ke> I've always defended BBK but today has been my worst experience. In a span of less than 24 hrs, the following have occured: a) Their Mpesa to BBK account via lipa na mpesa is effected the next day if you transact after 3 pm. Woe unto you if it's a Friday. Who does not have realtime Mpesa/Bank interface in 2015?? b) Paypal transaction via BBK debit card failed, despite over 1hr chat with customer care. Issue was escalated to IT and they were to call me. I give them benefit of the doubt here though. It could be an issue with Paypal c) I gave up and decided to transfer the cash to another provider. I did an Account to Mpesa transfer from BBK online banking. As fate would have it, their systems are experiencing issues with Mpesa. I don't know if other banks are affected. The annoying thing is that the reversal can only be done tomorrow (or next working day) after they receive recon files from safcom. Yet the money is already debited from my account. Basically I can't access the money from Mpesa or my account. That's a very dangerous thing to do to a customer if you ask me. Especially in case of an emergency On Wed, May 6, 2015 at 2:35 PM, Kennedy Kairu Kariuki via skunkworks <skunkworks@lists.my.co.ke <mailto:skunkworks@lists.my.co.ke> > wrote: You'll never go wrong with StanChart - Online or 722 even outside the country Kind Regards, Kennedy KK Mobile: +254721699119 Skype: k.kairu Gtalk: kkairu On Wed, May 6, 2015 at 2:18 PM, Ben via skunkworks <skunkworks@lists.my.co.ke <mailto:skunkworks@lists.my.co.ke> > wrote: Reason being KCB has a bigger financial asset base not just in Kenya but in East Africa. _____ From: Peter Karunyu via skunkworks <mailto:skunkworks@lists.my.co.ke> Sent: 5/6/2015 13:53 To: George Irungu <mailto:g.irungu@logicalcrest.co.ke> ; Skunkworks Mailing List <mailto:skunkworks@lists.my.co.ke> Subject: Re: [Skunkworks] Banks in Kenya Guys, how is it then that KCB is valued highest at NSE ahead of Equity? On Wed, May 6, 2015 at 1:19 PM, George Irungu via skunkworks <skunkworks@lists.my.co.ke <mailto:skunkworks@lists.my.co.ke> > wrote: I agree, KCB is proudly leading from the bottom, NIC could easily be the best at service delivery with a portal that ensures you rarely have to go to the bank and good turn around time. -George _____ Date: Wed, 6 May 2015 10:39:55 +0100 To: kkairu@gmail.com <mailto:kkairu@gmail.com> ; skunkworks@lists.my.co.ke <mailto:skunkworks@lists.my.co.ke> Subject: Re: [Skunkworks] Banks in Kenya From: skunkworks@lists.my.co.ke <mailto:skunkworks@lists.my.co.ke> My experience, KCB is one of those leading from the bottom - I am happy with services at StanChart and NIC Bank so far - customer services of both are up there! ./Ok3ch On Wed, May 6, 2015 at 10:35 AM, Kennedy Kairu Kariuki via skunkworks <skunkworks@lists.my.co.ke <mailto:skunkworks@lists.my.co.ke> > wrote: @Joan, are agents able to reverse a transaction? I know a person who insists on bank branch receipts (though similar with the agents but with addition of the agent name) because of the reversals. Kind Regards, Kennedy KK Mobile: +254721699119 Skype: k.kairu Gtalk: kkairu On Wed, May 6, 2015 at 12:33 PM, Joan Wanjiku <jociku@gmail.com <mailto:jociku@gmail.com> > wrote: Mike, I hate to the one to break it to you but yeah, you've been wasting your precious minutes. Once you go agent, you never go back. Try it. <https://mail.google.com/mail/e/gtalk/328> On Wed, May 6, 2015 at 12:24 PM, Kennedy Kairu Kariuki <kkairu@gmail.com <mailto:kkairu@gmail.com> > wrote: @Michael, Easy247. I go to the branch because I want to not because I have to. Kind Regards, Kennedy KK Mobile: +254721699119 Skype: k.kairu Gtalk: kkairu On Wed, May 6, 2015 at 12:19 PM, Joan Wanjiku via skunkworks <skunkworks@lists.my.co.ke <mailto:skunkworks@lists.my.co.ke> > wrote: Mike, Why not use an Equity agent? Br. On Wed, May 6, 2015 at 12:07 PM, Michael Bullut via skunkworks <skunkworks@lists.my.co.ke <mailto:skunkworks@lists.my.co.ke> > wrote: It's Equity leading from the bottom... I always dread the queues especially when paying my rent! On 6 May 2015 at 11:52, Tusker 21 via skunkworks <skunkworks@lists.my.co.ke <mailto:skunkworks@lists.my.co.ke> > wrote: Is there any survey rating banks in Kenya? Especially based on service delivery and customer satisfaction? I do not know which one is the market leader but i am certain co-op bank might be leading from the bottom. R, T21 _______________________________________________ skunkworks mailing list skunkworks@lists.my.co.ke <mailto:skunkworks@lists.my.co.ke> ------------ List info, subscribe/unsubscribe http://lists.my.co.ke/cgi-bin/mailman/listinfo/skunkworks ------------ Skunkworks Rules http://my.co.ke/phpbb/viewtopic.php?f=24 <http://my.co.ke/phpbb/viewtopic.php?f=24&t=94> &t=94 ------------ Other services @ http://my.co.ke _______________________________________________ skunkworks mailing list skunkworks@lists.my.co.ke <mailto:skunkworks@lists.my.co.ke> ------------ List info, subscribe/unsubscribe http://lists.my.co.ke/cgi-bin/mailman/listinfo/skunkworks ------------ Skunkworks Rules http://my.co.ke/phpbb/viewtopic.php?f=24 <http://my.co.ke/phpbb/viewtopic.php?f=24&t=94> &t=94 ------------ Other services @ http://my.co.ke _______________________________________________ skunkworks mailing list skunkworks@lists.my.co.ke <mailto:skunkworks@lists.my.co.ke> ------------ List info, subscribe/unsubscribe http://lists.my.co.ke/cgi-bin/mailman/listinfo/skunkworks ------------ Skunkworks Rules http://my.co.ke/phpbb/viewtopic.php?f=24 <http://my.co.ke/phpbb/viewtopic.php?f=24&t=94> &t=94 ------------ Other services @ http://my.co.ke _______________________________________________ skunkworks mailing list skunkworks@lists.my.co.ke <mailto:skunkworks@lists.my.co.ke> ------------ List info, subscribe/unsubscribe http://lists.my.co.ke/cgi-bin/mailman/listinfo/skunkworks ------------ Skunkworks Rules http://my.co.ke/phpbb/viewtopic.php?f=24 <http://my.co.ke/phpbb/viewtopic.php?f=24&t=94> &t=94 ------------ Other services @ http://my.co.ke _______________________________________________ skunkworks mailing list skunkworks@lists.my.co.ke <mailto:skunkworks@lists.my.co.ke> ------------ List info, subscribe/unsubscribe http://lists.my.co.ke/cgi-bin/mailman/listinfo/skunkworks ------------ Skunkworks Rules http://my.co.ke/phpbb/viewtopic.php?f=24 <http://my.co.ke/phpbb/viewtopic.php?f=24&t=94> &t=94 ------------ Other services @ http://my.co.ke _______________________________________________ skunkworks mailing list skunkworks@lists.my.co.ke <mailto:skunkworks@lists.my.co.ke> ------------ List info, subscribe/unsubscribe http://lists.my.co.ke/cgi-bin/mailman/listinfo/skunkworks ------------ Skunkworks Rules http://my.co.ke/phpbb/viewtopic.php?f=24 <http://my.co.ke/phpbb/viewtopic.php?f=24&t=94> &t=94 ------------ Other services @ http://my.co.ke _______________________________________________ skunkworks mailing list skunkworks@lists.my.co.ke <mailto:skunkworks@lists.my.co.ke> ------------ List info, subscribe/unsubscribe http://lists.my.co.ke/cgi-bin/mailman/listinfo/skunkworks ------------ Skunkworks Rules http://my.co.ke/phpbb/viewtopic.php?f=24 <http://my.co.ke/phpbb/viewtopic.php?f=24&t=94> &t=94 ------------ Other services @ http://my.co.ke _______________________________________________ skunkworks mailing list skunkworks@lists.my.co.ke <mailto:skunkworks@lists.my.co.ke> ------------ List info, subscribe/unsubscribe http://lists.my.co.ke/cgi-bin/mailman/listinfo/skunkworks ------------ Skunkworks Rules http://my.co.ke/phpbb/viewtopic.php?f=24 <http://my.co.ke/phpbb/viewtopic.php?f=24&t=94> &t=94 ------------ Other services @ http://my.co.ke _______________________________________________ skunkworks mailing list skunkworks@lists.my.co.ke <mailto:skunkworks@lists.my.co.ke> ------------ List info, subscribe/unsubscribe http://lists.my.co.ke/cgi-bin/mailman/listinfo/skunkworks ------------ Skunkworks Rules http://my.co.ke/phpbb/viewtopic.php?f=24 <http://my.co.ke/phpbb/viewtopic.php?f=24&t=94> &t=94 ------------ Other services @ http://my.co.ke _______________________________________________ skunkworks mailing list skunkworks@lists.my.co.ke <mailto:skunkworks@lists.my.co.ke> ------------ List info, subscribe/unsubscribe http://lists.my.co.ke/cgi-bin/mailman/listinfo/skunkworks ------------ Skunkworks Rules http://my.co.ke/phpbb/viewtopic.php?f=24 <http://my.co.ke/phpbb/viewtopic.php?f=24&t=94> &t=94 ------------ Other services @ http://my.co.ke -- This message represents the official view of the voices in my head. _______________________________________________ skunkworks mailing list skunkworks@lists.my.co.ke <mailto:skunkworks@lists.my.co.ke> ------------ List info, subscribe/unsubscribe http://lists.my.co.ke/cgi-bin/mailman/listinfo/skunkworks ------------ Skunkworks Rules http://my.co.ke/phpbb/viewtopic.php?f=24 <http://my.co.ke/phpbb/viewtopic.php?f=24&t=94> &t=94 ------------ Other services @ http://my.co.ke

+2! ᐧ On 25 May 2015 at 13:53, Tusker 21 via skunkworks <skunkworks@lists.my.co.ke

wrote:

@Dennis DTB is just plain awesome. Have you checked out their mobile app?

Amazing i must say.

Balance enquiry on multiple accounts Pay beneficiaries Stop Cheques Send to Mpesa Buy Airtime Funds Transfer Mini Statement

It can't get any better.

On Fri, May 8, 2015 at 12:37 PM, Dennis Kioko via skunkworks < skunkworks@lists.my.co.ke> wrote:

...

My experience with a failed Equity transaction last weekend (holiday weekend) http://www.infotake.co.ke/2015/05/equitel-transaction-errors-equity-bank.htm... .

I did escalate the issue to management though and was was promised they would change their policy here. What I love about Equity is their variety of automated offerings, but clearly they need to work on problem resolution.

I hear DTB is good in terms of service and issue rsolutions?

On Wed, 6 May 2015 at 23:38 Steve Muchai via skunkworks < skunkworks@lists.my.co.ke> wrote:

...

I haven't seen CFC Stanbic mentioned. I'm happy with them, as well as NIC and Stanchart. However, I do have one issue they've never managed to resolve. Whenever I do a RTGS transfer from CFC to NIC (via Internet Banking), for some reason the instruction is received on the remote end without the account details. The receiving account doesn't get credited and I always have to request for the transfer advice which I forward to NIC for them to credit the account. Without this intervention the money sits in a suspense account forever.

Funny thing is that this happens only between CFC and NIC. As usual each party blames the other, and I'm caught in the middle.

Regards, Steve

On Wed, May 6, 2015 at 5:46 PM, George Irungu via skunkworks < skunkworks@lists.my.co.ke> wrote:

...

I have no problem with occasional downtime as that is almost inevitable with systems. The problem is when customer care won't straight up tell you they are experiencing an issue and instead take you round and round with unhelpful questions.

------------------------------ Date: Wed, 6 May 2015 15:41:33 +0300

To: kkairu@gmail.com; skunkworks@lists.my.co.ke Subject: Re: [Skunkworks] Banks in Kenya From: skunkworks@lists.my.co.ke

I've always defended BBK but today has been my worst experience. In a span of less than 24 hrs, the following have occured:

a) Their Mpesa to BBK account via lipa na mpesa is effected the next day if you transact after 3 pm. Woe unto you if it's a Friday. Who does not have realtime Mpesa/Bank interface in 2015??

b) Paypal transaction via BBK debit card failed, despite over 1hr chat with customer care. Issue was escalated to IT and they were to call me. I give them benefit of the doubt here though. It could be an issue with Paypal

c) I gave up and decided to transfer the cash to another provider. I did an Account to Mpesa transfer from BBK online banking. As fate would have it, their systems are experiencing issues with Mpesa. I don't know if other banks are affected. The annoying thing is that the reversal can only be done tomorrow (or next working day) after they receive recon files from safcom. Yet the money is already debited from my account. Basically I can't access the money from Mpesa or my account. That's a very dangerous thing to do to a customer if you ask me. Especially in case of an emergency

On Wed, May 6, 2015 at 2:35 PM, Kennedy Kairu Kariuki via skunkworks < skunkworks@lists.my.co.ke> wrote:

You'll never go wrong with StanChart - Online or 722 even outside the country

Kind Regards,

Kennedy KK

Mobile: +254721699119 Skype: k.kairu Gtalk: kkairu

On Wed, May 6, 2015 at 2:18 PM, Ben via skunkworks < skunkworks@lists.my.co.ke> wrote:

Reason being KCB has a bigger financial asset base not just in Kenya but in East Africa. ------------------------------ From: Peter Karunyu via skunkworks <skunkworks@lists.my.co.ke> Sent: 5/6/2015 13:53

To: George Irungu <g.irungu@logicalcrest.co.ke>; Skunkworks Mailing List <skunkworks@lists.my.co.ke>

Subject: Re: [Skunkworks] Banks in Kenya

Guys, how is it then that KCB is valued highest at NSE ahead of Equity?

On Wed, May 6, 2015 at 1:19 PM, George Irungu via skunkworks < skunkworks@lists.my.co.ke> wrote:

I agree, KCB is proudly leading from the bottom,

NIC could easily be the best at service delivery with a portal that ensures you rarely have to go to the bank and good turn around time.

-George

------------------------------ Date: Wed, 6 May 2015 10:39:55 +0100 To: kkairu@gmail.com; skunkworks@lists.my.co.ke Subject: Re: [Skunkworks] Banks in Kenya From: skunkworks@lists.my.co.ke

My experience, KCB is one of those leading from the bottom - I am happy with services at StanChart and NIC Bank so far - customer services of both are up there!

./Ok3ch

On Wed, May 6, 2015 at 10:35 AM, Kennedy Kairu Kariuki via skunkworks < skunkworks@lists.my.co.ke> wrote:

@Joan, are agents able to reverse a transaction? I know a person who insists on bank branch receipts (though similar with the agents but with addition of the agent name) because of the reversals.

Kind Regards,

Kennedy KK

Mobile: +254721699119 Skype: k.kairu Gtalk: kkairu

On Wed, May 6, 2015 at 12:33 PM, Joan Wanjiku <jociku@gmail.com> wrote:

Mike,

I hate to the one to break it to you but yeah, you've been wasting your precious minutes. Once you go agent, you never go back. Try it.

On Wed, May 6, 2015 at 12:24 PM, Kennedy Kairu Kariuki < kkairu@gmail.com> wrote:

@Michael, Easy247. I go to the branch because I want to not because I have to.

Kind Regards,

Kennedy KK

Mobile: +254721699119 Skype: k.kairu Gtalk: kkairu

On Wed, May 6, 2015 at 12:19 PM, Joan Wanjiku via skunkworks < skunkworks@lists.my.co.ke> wrote:

Mike,

Why not use an Equity agent?

Br.

On Wed, May 6, 2015 at 12:07 PM, Michael Bullut via skunkworks < skunkworks@lists.my.co.ke> wrote:

It's Equity leading from the bottom... I always dread the queues especially when paying my rent!

On 6 May 2015 at 11:52, Tusker 21 via skunkworks < skunkworks@lists.my.co.ke> wrote:

Is there any survey rating banks in Kenya? Especially based on service delivery and customer satisfaction?

I do not know which one is the market leader but i am certain co-op bank might be leading from the bottom.

R, T21

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Very interesting discussion.

From my research and what I gather here - NIC & CBA are at the top of my list.

I have a huge preference for online operations esp. EFT/RTGS. It may be a dumb question...but I know some banks do RTGS transactions sometimes in batches e.g. Coop - do the above two perform in realtime as is supposed to be the case? In your opinions, which online portal between the two is better? Any other pros/cons? Your comments are well appreciated! On Mon, May 25, 2015 at 5:06 PM, Dennis Kioko via skunkworks < skunkworks@lists.my.co.ke> wrote:

Equity does the same - just that when their systems fail to work, they take 5 days to refund. Raised the issue with someone and was assured that they would address the same.

On Mon, 25 May 2015 at 13:25 Jangita via skunkworks < skunkworks@lists.my.co.ke> wrote:

...

+2! ᐧ

On 25 May 2015 at 13:53, Tusker 21 via skunkworks < skunkworks@lists.my.co.ke> wrote:

...

@Dennis DTB is just plain awesome. Have you checked out their mobile app?

Amazing i must say.

Balance enquiry on multiple accounts Pay beneficiaries Stop Cheques Send to Mpesa Buy Airtime Funds Transfer Mini Statement

It can't get any better.

On Fri, May 8, 2015 at 12:37 PM, Dennis Kioko via skunkworks < skunkworks@lists.my.co.ke> wrote:

...

My experience with a failed Equity transaction last weekend (holiday weekend) http://www.infotake.co.ke/2015/05/equitel-transaction-errors-equity-bank.htm... .

I did escalate the issue to management though and was was promised they would change their policy here. What I love about Equity is their variety of automated offerings, but clearly they need to work on problem resolution.

I hear DTB is good in terms of service and issue rsolutions?

On Wed, 6 May 2015 at 23:38 Steve Muchai via skunkworks < skunkworks@lists.my.co.ke> wrote:

...

I haven't seen CFC Stanbic mentioned. I'm happy with them, as well as NIC and Stanchart. However, I do have one issue they've never managed to resolve. Whenever I do a RTGS transfer from CFC to NIC (via Internet Banking), for some reason the instruction is received on the remote end without the account details. The receiving account doesn't get credited and I always have to request for the transfer advice which I forward to NIC for them to credit the account. Without this intervention the money sits in a suspense account forever.

Funny thing is that this happens only between CFC and NIC. As usual each party blames the other, and I'm caught in the middle.

Regards, Steve

On Wed, May 6, 2015 at 5:46 PM, George Irungu via skunkworks < skunkworks@lists.my.co.ke> wrote:

...

I have no problem with occasional downtime as that is almost inevitable with systems. The problem is when customer care won't straight up tell you they are experiencing an issue and instead take you round and round with unhelpful questions.

------------------------------ Date: Wed, 6 May 2015 15:41:33 +0300

To: kkairu@gmail.com; skunkworks@lists.my.co.ke Subject: Re: [Skunkworks] Banks in Kenya From: skunkworks@lists.my.co.ke

I've always defended BBK but today has been my worst experience. In a span of less than 24 hrs, the following have occured:

a) Their Mpesa to BBK account via lipa na mpesa is effected the next day if you transact after 3 pm. Woe unto you if it's a Friday. Who does not have realtime Mpesa/Bank interface in 2015??

b) Paypal transaction via BBK debit card failed, despite over 1hr chat with customer care. Issue was escalated to IT and they were to call me. I give them benefit of the doubt here though. It could be an issue with Paypal

c) I gave up and decided to transfer the cash to another provider. I did an Account to Mpesa transfer from BBK online banking. As fate would have it, their systems are experiencing issues with Mpesa. I don't know if other banks are affected. The annoying thing is that the reversal can only be done tomorrow (or next working day) after they receive recon files from safcom. Yet the money is already debited from my account. Basically I can't access the money from Mpesa or my account. That's a very dangerous thing to do to a customer if you ask me. Especially in case of an emergency

On Wed, May 6, 2015 at 2:35 PM, Kennedy Kairu Kariuki via skunkworks <skunkworks@lists.my.co.ke> wrote:

You'll never go wrong with StanChart - Online or 722 even outside the country

Kind Regards,

Kennedy KK

Mobile: +254721699119 Skype: k.kairu Gtalk: kkairu

On Wed, May 6, 2015 at 2:18 PM, Ben via skunkworks < skunkworks@lists.my.co.ke> wrote:

Reason being KCB has a bigger financial asset base not just in Kenya but in East Africa. ------------------------------ From: Peter Karunyu via skunkworks <skunkworks@lists.my.co.ke> Sent: 5/6/2015 13:53

To: George Irungu <g.irungu@logicalcrest.co.ke>; Skunkworks Mailing List <skunkworks@lists.my.co.ke>

Subject: Re: [Skunkworks] Banks in Kenya

Guys, how is it then that KCB is valued highest at NSE ahead of Equity?

On Wed, May 6, 2015 at 1:19 PM, George Irungu via skunkworks < skunkworks@lists.my.co.ke> wrote:

I agree, KCB is proudly leading from the bottom,

NIC could easily be the best at service delivery with a portal that ensures you rarely have to go to the bank and good turn around time.

-George

------------------------------ Date: Wed, 6 May 2015 10:39:55 +0100 To: kkairu@gmail.com; skunkworks@lists.my.co.ke Subject: Re: [Skunkworks] Banks in Kenya From: skunkworks@lists.my.co.ke

My experience, KCB is one of those leading from the bottom - I am happy with services at StanChart and NIC Bank so far - customer services of both are up there!

./Ok3ch

On Wed, May 6, 2015 at 10:35 AM, Kennedy Kairu Kariuki via skunkworks <skunkworks@lists.my.co.ke> wrote:

@Joan, are agents able to reverse a transaction? I know a person who insists on bank branch receipts (though similar with the agents but with addition of the agent name) because of the reversals.

Kind Regards,

Kennedy KK

Mobile: +254721699119 Skype: k.kairu Gtalk: kkairu

On Wed, May 6, 2015 at 12:33 PM, Joan Wanjiku <jociku@gmail.com> wrote:

Mike,

I hate to the one to break it to you but yeah, you've been wasting your precious minutes. Once you go agent, you never go back. Try it.

On Wed, May 6, 2015 at 12:24 PM, Kennedy Kairu Kariuki < kkairu@gmail.com> wrote:

@Michael, Easy247. I go to the branch because I want to not because I have to.

Kind Regards,

Kennedy KK

Mobile: +254721699119 Skype: k.kairu Gtalk: kkairu

On Wed, May 6, 2015 at 12:19 PM, Joan Wanjiku via skunkworks < skunkworks@lists.my.co.ke> wrote:

Mike,

Why not use an Equity agent?

Br.

On Wed, May 6, 2015 at 12:07 PM, Michael Bullut via skunkworks < skunkworks@lists.my.co.ke> wrote:

It's Equity leading from the bottom... I always dread the queues especially when paying my rent!

On 6 May 2015 at 11:52, Tusker 21 via skunkworks < skunkworks@lists.my.co.ke> wrote:

Is there any survey rating banks in Kenya? Especially based on service delivery and customer satisfaction?

I do not know which one is the market leader but i am certain co-op bank might be leading from the bottom.

R, T21

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@Haggai There is RTGS and EFT - If your bank offers you a choice, you need to know what you really want. RTGS is realtime and happens in real time, no batch processing EFT is batch processed and often might actually happen after the end of day Both have a cutoff of 3:30pm and after that, its until the next day I know NIC charges me for RTGS but doesn't charge for EFT - StanChart defaults to RTGS and doesn't charge you if you are in the one tariff banking ./Ok3ch On Tue, Jun 9, 2015 at 12:22 PM, K Machuhi via skunkworks < skunkworks@lists.my.co.ke> wrote:

George,

Customer experience is more about people than systems. The way the problem is framed... followed up... resolved - makes all the difference. Banks hire creamiest of cream...too *swagish* to care about customers (my opinion).

As for Systems:

from the discussion above, CfC, NIC, CBA are generally approved as to provide good customer experience. Their similarities: - they are supplied with core system by same vendor - they invest in local expertise for systems support/ integration. - are generally moving towards middleware and breaking reliance on core system to do everything including 'make coffee'. - they are leaders in internet and mobile banking experience.

On Wed, May 6, 2015 at 7:46 PM, George Irungu via skunkworks < skunkworks@lists.my.co.ke> wrote:

...

I have no problem with occasional downtime as that is almost inevitable with systems. The problem is when customer care won't straight up tell you they are experiencing an issue and instead take you round and round with unhelpful questions.

------------------------------ Date: Wed, 6 May 2015 15:41:33 +0300

To: kkairu@gmail.com; skunkworks@lists.my.co.ke Subject: Re: [Skunkworks] Banks in Kenya From: skunkworks@lists.my.co.ke

I've always defended BBK but today has been my worst experience. In a span of less than 24 hrs, the following have occured:

a) Their Mpesa to BBK account via lipa na mpesa is effected the next day if you transact after 3 pm. Woe unto you if it's a Friday. Who does not have realtime Mpesa/Bank interface in 2015??

b) Paypal transaction via BBK debit card failed, despite over 1hr chat with customer care. Issue was escalated to IT and they were to call me. I give them benefit of the doubt here though. It could be an issue with Paypal

c) I gave up and decided to transfer the cash to another provider. I did an Account to Mpesa transfer from BBK online banking. As fate would have it, their systems are experiencing issues with Mpesa. I don't know if other banks are affected. The annoying thing is that the reversal can only be done tomorrow (or next working day) after they receive recon files from safcom. Yet the money is already debited from my account. Basically I can't access the money from Mpesa or my account. That's a very dangerous thing to do to a customer if you ask me. Especially in case of an emergency

On Wed, May 6, 2015 at 2:35 PM, Kennedy Kairu Kariuki via skunkworks < skunkworks@lists.my.co.ke> wrote:

You'll never go wrong with StanChart - Online or 722 even outside the country

Kind Regards,

Kennedy KK

Mobile: +254721699119 Skype: k.kairu Gtalk: kkairu

On Wed, May 6, 2015 at 2:18 PM, Ben via skunkworks < skunkworks@lists.my.co.ke> wrote:

Reason being KCB has a bigger financial asset base not just in Kenya but in East Africa. ------------------------------ From: Peter Karunyu via skunkworks <skunkworks@lists.my.co.ke> Sent: 5/6/2015 13:53

To: George Irungu <g.irungu@logicalcrest.co.ke>; Skunkworks Mailing List <skunkworks@lists.my.co.ke>

Subject: Re: [Skunkworks] Banks in Kenya

Guys, how is it then that KCB is valued highest at NSE ahead of Equity?

On Wed, May 6, 2015 at 1:19 PM, George Irungu via skunkworks < skunkworks@lists.my.co.ke> wrote:

I agree, KCB is proudly leading from the bottom,

NIC could easily be the best at service delivery with a portal that ensures you rarely have to go to the bank and good turn around time.

-George

------------------------------ Date: Wed, 6 May 2015 10:39:55 +0100 To: kkairu@gmail.com; skunkworks@lists.my.co.ke Subject: Re: [Skunkworks] Banks in Kenya From: skunkworks@lists.my.co.ke

My experience, KCB is one of those leading from the bottom - I am happy with services at StanChart and NIC Bank so far - customer services of both are up there!

./Ok3ch

On Wed, May 6, 2015 at 10:35 AM, Kennedy Kairu Kariuki via skunkworks < skunkworks@lists.my.co.ke> wrote:

@Joan, are agents able to reverse a transaction? I know a person who insists on bank branch receipts (though similar with the agents but with addition of the agent name) because of the reversals.

Kind Regards,

Kennedy KK

Mobile: +254721699119 Skype: k.kairu Gtalk: kkairu

On Wed, May 6, 2015 at 12:33 PM, Joan Wanjiku <jociku@gmail.com> wrote:

Mike,

I hate to the one to break it to you but yeah, you've been wasting your precious minutes. Once you go agent, you never go back. Try it.

On Wed, May 6, 2015 at 12:24 PM, Kennedy Kairu Kariuki <kkairu@gmail.com> wrote:

@Michael, Easy247. I go to the branch because I want to not because I have to.

Kind Regards,

Kennedy KK

Mobile: +254721699119 Skype: k.kairu Gtalk: kkairu

On Wed, May 6, 2015 at 12:19 PM, Joan Wanjiku via skunkworks < skunkworks@lists.my.co.ke> wrote:

Mike,

Why not use an Equity agent?

Br.

On Wed, May 6, 2015 at 12:07 PM, Michael Bullut via skunkworks < skunkworks@lists.my.co.ke> wrote:

It's Equity leading from the bottom... I always dread the queues especially when paying my rent!

On 6 May 2015 at 11:52, Tusker 21 via skunkworks < skunkworks@lists.my.co.ke> wrote:

Is there any survey rating banks in Kenya? Especially based on service delivery and customer satisfaction?

I do not know which one is the market leader but i am certain co-op bank might be leading from the bottom.

R, T21

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I think i got experience with several banks.. Here is my ranking... FROM BOTTOM EQUITY BANK, never held an account with them but i find my self depositing cash in equity accounts quite often...worst bank. They nag a lot if you got a loan with them. KCB, i have 3 almost dormant accounts,poor customer service. It can take upto 4months to process a loan! You ought to know people to get stuff done. ECB, this bank has nothing to offer other than store your money. NO ATM, very few branches and ugly MS Windows dependent internet banking. Mobile banking is based on USSD, with 14steps before you get to your money. Breaks when a call comes. Lots of internal fraud, must check statement regularly. BARCLAYS BANK, just too old. Strange cash into your account and you will be in for it. A million questions... Bensouda like. Opted out. CHASE BANK, I opened my account on the streets in about 5min. Got email n sms notifications immediately with my account details. Mobile banking is very neat and easy. Internet banking is very nice, only issue is it only takes a fixed exchange rate, big issue if doing TTs. Customer service is nice, phones are picked on the first ring. On Jun 9, 2015 3:55 PM, "Okechukwu via skunkworks" < skunkworks@lists.my.co.ke> wrote:

In terms of online experience, I still think StanChart beats NIC bank (these are my only experiences) in terms of getting in and doing what you really want to do and get out

./Ok3ch

On Tue, Jun 9, 2015 at 1:46 PM, Okechukwu <okechukwu@gmail.com> wrote:

...

@Haggai There is RTGS and EFT - If your bank offers you a choice, you need to know what you really want.

RTGS is realtime and happens in real time, no batch processing EFT is batch processed and often might actually happen after the end of day Both have a cutoff of 3:30pm and after that, its until the next day

I know NIC charges me for RTGS but doesn't charge for EFT - StanChart defaults to RTGS and doesn't charge you if you are in the one tariff banking

./Ok3ch

On Tue, Jun 9, 2015 at 12:22 PM, K Machuhi via skunkworks < skunkworks@lists.my.co.ke> wrote:

...

George,

Customer experience is more about people than systems. The way the problem is framed... followed up... resolved - makes all the difference. Banks hire creamiest of cream...too *swagish* to care about customers (my opinion).

As for Systems:

from the discussion above, CfC, NIC, CBA are generally approved as to provide good customer experience. Their similarities: - they are supplied with core system by same vendor - they invest in local expertise for systems support/ integration. - are generally moving towards middleware and breaking reliance on core system to do everything including 'make coffee'. - they are leaders in internet and mobile banking experience.

On Wed, May 6, 2015 at 7:46 PM, George Irungu via skunkworks < skunkworks@lists.my.co.ke> wrote:

...

I have no problem with occasional downtime as that is almost inevitable with systems. The problem is when customer care won't straight up tell you they are experiencing an issue and instead take you round and round with unhelpful questions.

------------------------------ Date: Wed, 6 May 2015 15:41:33 +0300

To: kkairu@gmail.com; skunkworks@lists.my.co.ke Subject: Re: [Skunkworks] Banks in Kenya From: skunkworks@lists.my.co.ke

I've always defended BBK but today has been my worst experience. In a span of less than 24 hrs, the following have occured:

a) Their Mpesa to BBK account via lipa na mpesa is effected the next day if you transact after 3 pm. Woe unto you if it's a Friday. Who does not have realtime Mpesa/Bank interface in 2015??

b) Paypal transaction via BBK debit card failed, despite over 1hr chat with customer care. Issue was escalated to IT and they were to call me. I give them benefit of the doubt here though. It could be an issue with Paypal

c) I gave up and decided to transfer the cash to another provider. I did an Account to Mpesa transfer from BBK online banking. As fate would have it, their systems are experiencing issues with Mpesa. I don't know if other banks are affected. The annoying thing is that the reversal can only be done tomorrow (or next working day) after they receive recon files from safcom. Yet the money is already debited from my account. Basically I can't access the money from Mpesa or my account. That's a very dangerous thing to do to a customer if you ask me. Especially in case of an emergency

On Wed, May 6, 2015 at 2:35 PM, Kennedy Kairu Kariuki via skunkworks < skunkworks@lists.my.co.ke> wrote:

You'll never go wrong with StanChart - Online or 722 even outside the country

Kind Regards,

Kennedy KK

Mobile: +254721699119 Skype: k.kairu Gtalk: kkairu

On Wed, May 6, 2015 at 2:18 PM, Ben via skunkworks < skunkworks@lists.my.co.ke> wrote:

Reason being KCB has a bigger financial asset base not just in Kenya but in East Africa. ------------------------------ From: Peter Karunyu via skunkworks <skunkworks@lists.my.co.ke> Sent: 5/6/2015 13:53

To: George Irungu <g.irungu@logicalcrest.co.ke>; Skunkworks Mailing List <skunkworks@lists.my.co.ke>

Subject: Re: [Skunkworks] Banks in Kenya

Guys, how is it then that KCB is valued highest at NSE ahead of Equity?

On Wed, May 6, 2015 at 1:19 PM, George Irungu via skunkworks < skunkworks@lists.my.co.ke> wrote:

I agree, KCB is proudly leading from the bottom,

NIC could easily be the best at service delivery with a portal that ensures you rarely have to go to the bank and good turn around time.

-George

------------------------------ Date: Wed, 6 May 2015 10:39:55 +0100 To: kkairu@gmail.com; skunkworks@lists.my.co.ke Subject: Re: [Skunkworks] Banks in Kenya From: skunkworks@lists.my.co.ke

My experience, KCB is one of those leading from the bottom - I am happy with services at StanChart and NIC Bank so far - customer services of both are up there!

./Ok3ch

On Wed, May 6, 2015 at 10:35 AM, Kennedy Kairu Kariuki via skunkworks < skunkworks@lists.my.co.ke> wrote:

@Joan, are agents able to reverse a transaction? I know a person who insists on bank branch receipts (though similar with the agents but with addition of the agent name) because of the reversals.

Kind Regards,

Kennedy KK

Mobile: +254721699119 Skype: k.kairu Gtalk: kkairu

On Wed, May 6, 2015 at 12:33 PM, Joan Wanjiku <jociku@gmail.com> wrote:

Mike,

I hate to the one to break it to you but yeah, you've been wasting your precious minutes. Once you go agent, you never go back. Try it.

On Wed, May 6, 2015 at 12:24 PM, Kennedy Kairu Kariuki < kkairu@gmail.com> wrote:

@Michael, Easy247. I go to the branch because I want to not because I have to.

Kind Regards,

Kennedy KK

Mobile: +254721699119 Skype: k.kairu Gtalk: kkairu

On Wed, May 6, 2015 at 12:19 PM, Joan Wanjiku via skunkworks < skunkworks@lists.my.co.ke> wrote:

Mike,

Why not use an Equity agent?

Br.

On Wed, May 6, 2015 at 12:07 PM, Michael Bullut via skunkworks < skunkworks@lists.my.co.ke> wrote:

It's Equity leading from the bottom... I always dread the queues especially when paying my rent!

On 6 May 2015 at 11:52, Tusker 21 via skunkworks < skunkworks@lists.my.co.ke> wrote:

Is there any survey rating banks in Kenya? Especially based on service delivery and customer satisfaction?

I do not know which one is the market leader but i am certain co-op bank might be leading from the bottom.

R, T21

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@Jangita I almost went ahead to say the T in DTB must be for Trust........ then it hit me.... Its True. Have you checked out their RTGS on the mobile app?? On Tue, Jun 9, 2015 at 6:01 PM, Jangita via skunkworks < skunkworks@lists.my.co.ke> wrote:

hehe kwani Jared you don't want to pay for a loan? I'm guessing anyone would nag you if you past the due date...

I'd go with DTB. My account has been there 8 years now, I opened a business account in 10 minutes flat, got email notifications on transfers, email indemnity so I can email instructions, at one time the manager cleared a check I had issued and funds had delayed just because I was his first customer for the day. Maybe something to do with that indian thing of you must make that sale if it's the first. Opened a subsequent USD and EURO account over the phone and operated them for years (since they already had my docs). They now have a decent mobile app. They were also instrumental in 15 minute transfers from DTB burundi to DTB kenya even if they were different banks with same brand. Also opened a pall's account over the phone and was active, but was given 60 days to produce documentation. Not bad.

Only downside is they don't offer unsecured loans. ᐧ

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lol @jared @tk21 yeah what's up with it? ᐧ On 9 June 2015 at 19:37, Jared Koyier <jaredkoyier@gmail.com> wrote:

Hehehe @jangita, i dont have a loan wit equity.. That's the last I'll do before..... I see them harassing a pal of mine.. A good bank listens both when they have money and when they don't. On Jun 9, 2015 6:12 PM, "Tusker 21 via skunkworks" < skunkworks@lists.my.co.ke> wrote:

...

@Jangita I almost went ahead to say the T in DTB must be for Trust........ then it hit me.... Its True. Have you checked out their RTGS on the mobile app??

On Tue, Jun 9, 2015 at 6:01 PM, Jangita via skunkworks < skunkworks@lists.my.co.ke> wrote:

...

hehe kwani Jared you don't want to pay for a loan? I'm guessing anyone would nag you if you past the due date...

I'd go with DTB. My account has been there 8 years now, I opened a business account in 10 minutes flat, got email notifications on transfers, email indemnity so I can email instructions, at one time the manager cleared a check I had issued and funds had delayed just because I was his first customer for the day. Maybe something to do with that indian thing of you must make that sale if it's the first. Opened a subsequent USD and EURO account over the phone and operated them for years (since they already had my docs). They now have a decent mobile app. They were also instrumental in 15 minute transfers from DTB burundi to DTB kenya even if they were different banks with same brand. Also opened a pall's account over the phone and was active, but was given 60 days to produce documentation. Not bad.

Only downside is they don't offer unsecured loans. ᐧ

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I know the differences - the reason I asked how CBA and NIC online experiences compare is because I've had 2-3 incidents with Coop in the past where the *RTGS* online banking request is effected the next day after confirming it early in the morning. On Tue, Jun 9, 2015 at 3:46 PM, Okechukwu via skunkworks < skunkworks@lists.my.co.ke> wrote:

@Haggai There is RTGS and EFT - If your bank offers you a choice, you need to know what you really want.

RTGS is realtime and happens in real time, no batch processing EFT is batch processed and often might actually happen after the end of day Both have a cutoff of 3:30pm and after that, its until the next day

I know NIC charges me for RTGS but doesn't charge for EFT - StanChart defaults to RTGS and doesn't charge you if you are in the one tariff banking

./Ok3ch

On Tue, Jun 9, 2015 at 12:22 PM, K Machuhi via skunkworks < skunkworks@lists.my.co.ke> wrote:

...

George,

Customer experience is more about people than systems. The way the problem is framed... followed up... resolved - makes all the difference. Banks hire creamiest of cream...too *swagish* to care about customers (my opinion).

As for Systems:

from the discussion above, CfC, NIC, CBA are generally approved as to provide good customer experience. Their similarities: - they are supplied with core system by same vendor - they invest in local expertise for systems support/ integration. - are generally moving towards middleware and breaking reliance on core system to do everything including 'make coffee'. - they are leaders in internet and mobile banking experience.

On Wed, May 6, 2015 at 7:46 PM, George Irungu via skunkworks < skunkworks@lists.my.co.ke> wrote:

...

I have no problem with occasional downtime as that is almost inevitable with systems. The problem is when customer care won't straight up tell you they are experiencing an issue and instead take you round and round with unhelpful questions.

------------------------------ Date: Wed, 6 May 2015 15:41:33 +0300

To: kkairu@gmail.com; skunkworks@lists.my.co.ke Subject: Re: [Skunkworks] Banks in Kenya From: skunkworks@lists.my.co.ke

I've always defended BBK but today has been my worst experience. In a span of less than 24 hrs, the following have occured:

a) Their Mpesa to BBK account via lipa na mpesa is effected the next day if you transact after 3 pm. Woe unto you if it's a Friday. Who does not have realtime Mpesa/Bank interface in 2015??

b) Paypal transaction via BBK debit card failed, despite over 1hr chat with customer care. Issue was escalated to IT and they were to call me. I give them benefit of the doubt here though. It could be an issue with Paypal

c) I gave up and decided to transfer the cash to another provider. I did an Account to Mpesa transfer from BBK online banking. As fate would have it, their systems are experiencing issues with Mpesa. I don't know if other banks are affected. The annoying thing is that the reversal can only be done tomorrow (or next working day) after they receive recon files from safcom. Yet the money is already debited from my account. Basically I can't access the money from Mpesa or my account. That's a very dangerous thing to do to a customer if you ask me. Especially in case of an emergency

On Wed, May 6, 2015 at 2:35 PM, Kennedy Kairu Kariuki via skunkworks < skunkworks@lists.my.co.ke> wrote:

You'll never go wrong with StanChart - Online or 722 even outside the country

Kind Regards,

Kennedy KK

Mobile: +254721699119 Skype: k.kairu Gtalk: kkairu

On Wed, May 6, 2015 at 2:18 PM, Ben via skunkworks < skunkworks@lists.my.co.ke> wrote:

Reason being KCB has a bigger financial asset base not just in Kenya but in East Africa. ------------------------------ From: Peter Karunyu via skunkworks <skunkworks@lists.my.co.ke> Sent: 5/6/2015 13:53

To: George Irungu <g.irungu@logicalcrest.co.ke>; Skunkworks Mailing List <skunkworks@lists.my.co.ke>

Subject: Re: [Skunkworks] Banks in Kenya

Guys, how is it then that KCB is valued highest at NSE ahead of Equity?

On Wed, May 6, 2015 at 1:19 PM, George Irungu via skunkworks < skunkworks@lists.my.co.ke> wrote:

I agree, KCB is proudly leading from the bottom,

NIC could easily be the best at service delivery with a portal that ensures you rarely have to go to the bank and good turn around time.

-George

------------------------------ Date: Wed, 6 May 2015 10:39:55 +0100 To: kkairu@gmail.com; skunkworks@lists.my.co.ke Subject: Re: [Skunkworks] Banks in Kenya From: skunkworks@lists.my.co.ke

My experience, KCB is one of those leading from the bottom - I am happy with services at StanChart and NIC Bank so far - customer services of both are up there!

./Ok3ch

On Wed, May 6, 2015 at 10:35 AM, Kennedy Kairu Kariuki via skunkworks < skunkworks@lists.my.co.ke> wrote:

@Joan, are agents able to reverse a transaction? I know a person who insists on bank branch receipts (though similar with the agents but with addition of the agent name) because of the reversals.

Kind Regards,

Kennedy KK

Mobile: +254721699119 Skype: k.kairu Gtalk: kkairu

On Wed, May 6, 2015 at 12:33 PM, Joan Wanjiku <jociku@gmail.com> wrote:

Mike,

I hate to the one to break it to you but yeah, you've been wasting your precious minutes. Once you go agent, you never go back. Try it.

On Wed, May 6, 2015 at 12:24 PM, Kennedy Kairu Kariuki <kkairu@gmail.com

...

wrote:

@Michael, Easy247. I go to the branch because I want to not because I have to.

Kind Regards,

Kennedy KK

Mobile: +254721699119 Skype: k.kairu Gtalk: kkairu

On Wed, May 6, 2015 at 12:19 PM, Joan Wanjiku via skunkworks < skunkworks@lists.my.co.ke> wrote:

Mike,

Why not use an Equity agent?

Br.

On Wed, May 6, 2015 at 12:07 PM, Michael Bullut via skunkworks < skunkworks@lists.my.co.ke> wrote:

It's Equity leading from the bottom... I always dread the queues especially when paying my rent!

On 6 May 2015 at 11:52, Tusker 21 via skunkworks < skunkworks@lists.my.co.ke> wrote:

Is there any survey rating banks in Kenya? Especially based on service delivery and customer satisfaction?

I do not know which one is the market leader but i am certain co-op bank might be leading from the bottom.

R, T21

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Such rankings will be as skewed as they can get since the criteria used would probably be quite subjective. Sample these past write-ups *1. Informal survey by Bankelele :* http://bankelele.co.ke/2009/01/which-kenyan-bank-has-the-best-transaction-ac... <http://bankelele.co.ke/2009/01/which-kenyan-bank-has-the-best-transaction-accounts.html> *2. Purported professional survey :* http://www.businessdailyafrica.com/Survey-ranks-Citi-best-bank-in-Kenya-desp... *3. A blogger's opinion :* http://www.mybusinesstricks.com/2013/01/banks-in-kenya.html#.VUnvNfmqqkp

From my experience, I vouch for StanChart, I&M and NIC. I can't seem to find some latest write-up on this topic, that seemed a bit up to date.

*PS : StanChart screwed up their online banking experience in their recent upgrade. Some foreign banks are now totally missing from their system necessitating visits to the banking hall to effect any transfers [?]* Tony.