Wednesday, October 21, 2020

The second wave

A friend killed by Hepatitis C and the resulting Liver cirrhosis. Infection picked up in Mombasa last year. Her funeral is on Friday. One dentist, I know has recovered from CoVid 19. Infectious disease again!! My cousin in Mumbai,India has CoVid 19. What happened to Antivirals?It is never that simple.

Despair in the tone of an older Nairobi dentist. Expatriate dental patients who lived in the Ambassadorial residential districts have left the country. Patients in fear of contracting something in the dental clinic are cancelling their dental appointments, having paid for their treatments in advance !!

A younger dentist upto their neck in debt and with an unsound pricing structure for specialized services laments that his payslip reads nil due to his loan repayments. Another dentist with a child in dental school and a wish to leave a KES 10M legacy to the future dentist in his home. I can't get him to pay a premium for a savings product for his son.All is not well in cash flows to segments of the Kenyan dental industry.


It is not all gloom and doom for all, though. One dental laboratory is mopping up dentist clients from the others. Some dentists are migrating to this laboratory with unpaid bills from other service providers. The proprietor of an old people’s home in Karen has a long waiting list. She is building more rooms to house our old parents.Knowing her, I hope she has heard of cashflow management because whenever one of her charges pops off there is a deposit refund to be paid off. That deposit is about 200000 KES.The temptation to use that deposit to build new rooms must be very high.


The movers and shakers in the medical and dental profession are not buying into the need to collaborate with Business Development Service Providers. Are their members not ready to bounce back after CoVid 19 disruption to their businesses? Are they are not ready to grow? Are they are not ready to access capital? I don’t know – some are on strike; some are demotivated by delayed salaries; many are angry.


You need a crystal clear value proposition. You need a lead magnet for prospects. You need to convert suspects into prospects and then into sales a.k.a cash so that your business can be sustainable. The rest are important details. Like your business model. Like your adoption of new technologies including Artificial intelligence and Machine learning. Like if you are not leveraging on Information and Communication Technology expect to be swept away by the second wave. Disruption takes no prisoners.


Do you want to enter into a structured program where you can boost your earnings, savings and investments in this season.I am giving away scholarships to this program. Aspire to thrive despite all that is going on around you. You may want to talk to me.I am only a phone call away #0720297433

Tuesday, October 6, 2020

How to pay a Britam Life Insurance Policy through Mpesa

 1. Select “Pay Bill” from the M-Pesa menu.

2. Enter the BritamPay bill number 541400.

3. Enter your full Britam account number e.g. 204-3785

4. Enter the amount you wish to pay.

5. Enter your M-Pesa PIN.

6. Confirm that all details are correct.

7. You will receive a confirmation of the transaction via SMS. 

8. Send us the transaction message through customerservice@britam.com in the event you do not receive a confirmation message from us within 2 working days.

We are also happy to inform you that you can now access your policy details/statement on the go and even download a statement whenever you need by signing up to the Britam Customer Connect Portal https://customerconnect.britam.com.

 

Should you require any further assistance or clarification, please do not hesitate to contact us via customerservice@britam.com or call us via 0705 100 100. 

 

Thank you for choosing Britam as your preferred financial services provider.