Who lied to you that there can be any legitimate business without the involvement of government? Where on earth do businesses operate without government? Lazima kuwe na sheria. In Singapore there is a "ticket service payment regulation" which even dictates the amount that players can charge.

Welcome to reality. Common man will accept and move on or buy his car

If this is what digital means they should tell us what the agenda is so that we accept earlier on.We've heard of Kenyan's encountering problems acquiring IDs and I'd assume these systems(m-pesa or bebapay) would rely on IDs.We've also heard of police using m-pesa to service their bribes through proxies with m-pesa.Let's not lie to ourselves,corruption is a quota to be filled which goes up the ladder.

What is faster,convenient and cheaper,removing a note or coin(s) from your pocket or waiting to see if a system somewhere is working?A ban is a strong move which makes it look like using cash is a crime.There's no way to spin this to the 'common' man or the digizens.These policies don't reflect 'democratic' ideals of dialogue,particapation and consideration.

It's difficult to identify 'laggards', and it's equally difficult to have a restrictive market where 'laggards complain later'.

A digital world needs and perhaps must be open, and free for all. If the government appears to favor some market players over others then even the favored must fail to reap the the biggest rewards in a digital and cyber world, the continuous increase in productivity per capita. Why? Because in a traditionally competitive world, an organization will prefer monopoly. But monopoly in a market where information is ubiquitous and ideas innumerable and vast systems of networks create events, is doomed to failure.

'Collaboration' is the key word if there's to be any movement to a 'digital' world. And growth of a digital system entails the planting of the right seeds.

For example, let's take the question you asked: 'What's the value of cash transactions in a matatu?' A friend needs to go to town. But he's a hustler, and though he has fought hard and bought a phone, he has no money on his digital account. Can I afford to give him fifty shillings via m-pesa? The value of a cash transaction becomes the social cost plus the transfer charge.

Not unless every event has high present value and is registered monetarily, meaning there are no pure consumers, then one will always prefer cash to 'digital'. So the way to go for the government, if they want a fully digital society is to encourage a cultural shift to 'prosumption' combination of production and consumption taking place at the same time to all citizens. This implies massive structural and functional changes in government and society as a whole. Therefore the other seed is restructuring government to prosumption and universal collaboration.

A cashless society won't need a public transport system. The technology involved is enough to allow teleporting, and a host of other technologies that an 'analogue government can't even afford to tax. So clearly the government is sabotaging itself by coming up with such regulations.

We are still reeling from the effects of 12% nssf cut.
some laws can turn good citizens into beasts and my humble plea to these guys is this.'come srowry'.