How FLOW and Digicel Jamaica can improve Customer Contracts as OUR sets Guidelines, Limitations and Penalties

“These guidelines will seek to limit the ability of licensees to take advantage of the weaker bargaining power of customers in their dealings......Also, to the extent necessary, directives will be issued to licensees to modify or remove clauses from their existing customer contracts that are determined to contain unfair contract terms”

OUR (Office of Utilities Regulation) commenting on the coming guidelines, limitations and penalties for telecom providers when setting contracts for products and services

Feeling cheated by your Telecom Provider? The OUR (Office of Utilities Regulation) is here to Jamaicans customers rescue, finally!!

They are currently recruiting consultant to help set guidelines, limitations and penalties for telecom providers when setting contracts for products and services as reported in the article “OUR To Overhaul Terms Of Telecoms Customer Contracts”, published Wednesday September 7, 2016, The Jamaica Gleaner.

The project will be divided into two (2) sections:

1.      Assess current customer contracts in the telecoms sector

2.      Developing guidelines for telecoms to guard against unfair contract terms

3.      Develope penalty regime for offences against the Telecommunications Act and regulations made under the act

The consultant will examine existing legislation and compare it to international best practice relative taking into consideration:

1.      The current service level agreements

2.      General terms and conditions of service other forms of contracts with customers

The OUR hopes to identify contracts with unfair and unreasonable terms and eventually lay down guidelines, limitations and penalties to guide telecom providers as to which terms and conditions are unreasonable and are not allowed in customer contracts.

OUR and Customer Contracts - Telecom Providers can introduce Remote Viewing to help customers

This has become necessary as the Telecommunication Act of 2012 does not specify what is considered unreasonable or unfair service.

But with the recent increase in complaint to the CAC (Consumer Affairs Commission) since the Second Quarter of 2015, companies such as FLOW Jamaica are facing a 74% increase in complaints as noted in my blog article entitled “74 Percent increase in FLOW Jamaica problems to OUR - FLOW's infrastructure problems as Digicel Fibre is coming”. 

More recently, FLOW Jamaica has experienced an islandwide outage when their entire Network, Mobile, Fixed line and Broadband Network, went down between Friday September 2^nd and Saturday September 3^rd 2016 as reported in my Geezam blog article entitled “FLOW Jamaica Network Outage due to 1 Million Satisfied Customers”.

FLOW Jamaica's customer contract currently states that, rebates are only given if subscribers are without service for at least 72 hours. Given that most customers had service restored within 24 hours, rebates were not necessary.

But the same level of service doesn’t apply to Mobile customers, who often lose Data Services and Credit due to a lack of knowledge about the settings on their smartphone as noted in my blog article entitled “How to stop FLOW Jamaica or Digicel smartphone using your Mobile Data and Credit”. 

So what can be done to fix Customer Contracts?

How to improve Customer Contracts - FLOW Lend, Mobile Money and Remote Login

So changes need to implemented as it relates to how quickly service are restored and penalties against the company, such as rebates, can be applied.

The same need to be done with Mobile and the loss of Data Services and Credit, with customer getting full compensation once they can prove their claim instead of being told what they did wrong.

In the case of FLOW Jamaica, this can be in the form of FLOW Lend Credit for the customer as described in my Geezam blog article entitled “FLOW Jamaica launches FLOW Lend so you can borrow Voucher Credit”

FLOW Lend credit can be given away by Customer Care Agents when they call in, are fully registered and verified using the following:

1.      Full Name

2.      Address

3.      Date of Birth

4.      GOJ ID i.e. Driver’s License, Passport and Voter’s ID

This idea of given the customer bonus credit is similar to the way that Amazon gives Coupons away as compensation so that customers can use it towards purchasing something else on their website.

To make this possible, there needs to be a drive to increase registration of new subscribers with a FLOW ID as argued in my Geezam blog article entitled “FLOW Jamaica FAM Postpaid needs FLOW ID, My FLOW App and Mobile Money”.

This can be achieved by giving away a product or service for free in exchange for customer becoming fully registered and receiving a FLOW ID, making it easier for them to receive compensation and rebates for service lost.

Customer, now armed with their FLOW ID, can now be encouraged to sign up to the My FLOW App. The My FLOW App enable them to check their mobile balances and pay for their postpaid services.

It could also be enabled to allow Customer Care Agents to remotely access the phone and fix problems on the smartphone. This would be possible once they’re near to any FLOW Horizon Wi-Fi or other Wi-Fi or simply have activated a Data plan on their smartphone.

Purchasing credit should be easier, with FLOW Jamaica integrating the API for CONEC Mobile and NCB Quisk as described in my blog article entitled “How NCB Quisk Compares to CONEC Mobile Wallet as Jamaica goes Cashless” into their My FLOW App.

FLOW Jamaica Scenario – How do deal with a customer who has lost Credit

So let’s consider a scenario!

In the case where the Customer Care Agent encounters has a fully registered customer with FLOW ID (or Digicel ID??), they would at their discretion, offer the caller one of two (2) options as compensation:

1.      Bonus Credit to make FLOW to FLOW calls

2.      FLOW Lend credit that can do anything but you have to pay it back.

For my example, I’ll be focusing on FLOW Jamaica, since I know them pretty well as pointed out in my blog article entitled “How to find work in Jamaica at Call Centers - A Brief Listing of Call Center Job Openings in New Kingston”!

If the customer lost more than JA$475 the maximum for FLOW Lend, or is refusing to take any of these options, then FLOW will have to give the person their credit back. However, this would be on the promise that they visit a FLOW Store to have the My FLOW App installed before they can get back their credit.

Once the FLOW Store technician installed the My FLOW App, they would get back their credit in full. The installed My FLOW App would then be set to monitor the customer and track their actions on their Smartphone.

This would help create a forensic profile of the customer that would be sent to FLOW Jamaica and would not count against their data. The data captured could be used in the second instance that the customer loses credit to prove whether or not FLOW is culpable and has to compensate them for their loss.

It would also help to identify the real root cause of what causes the phones to use off the customer Data Plan and Credit. This will make it easier to educate the customer and recommend settings to them as it relates to their data usage and management of their smartphone.

FLOW Jamaica benefits as it would make the company appear fairer in the eyes of the customer. It would also make it possible for them to comply with the coming OUR guidelines, limitations and penalties for telecom providers when setting contracts for products and services.

Why Digicel and FLOW Jamaica need 90 percent Postpaid Mobile to make Prepaid Mobile Data Profitable

Telecom Providers are making more money from Internet. But what part of the Internet: Fixed Line or Mobile?

The latest Telecommunications Market Information Report published by the OUR (Office of Utilities Regulation) as declared in the article “Telecoms Revenue Tops $20b As Internet Picks Up Speed”, published Friday September 9, 2016 by Steven Jackson, The Jamaica Gleaner can help settle this debacle!

Covering Q3 ending in September 2015, the results are a continuation of the increasing revenue trend being set by Internet revenue:

1.      JA$20 billion in total revenues from voice mobile, fixed and Internet segments

2.      JA$13 billion for Voice Mobile revenue

3.      JA$2.6 billion for Fixed Line revenue

4.      JA$4.5 billion for Internet revenue

These figures presented in the Telecommunications Market Information Report for Q3 of 2015 ending September 2015 are YOY (Year on Year) increases over the corresponding periods in Q3 of 2014 as follows:

1.      JA$20 billion in total revenues from voice mobile, fixed and Internet segments

2.      6.5% increase for Voice Mobile revenue

3.      16% increase for Fixed Line revenue

4.      53% increase for Internet revenue

In the previous Telecommunications Market Information Report for Q2 of 2015 ending June Internet revenues surpassed the $4.2 billion mark or 153 per cent higher year on year as noted in my blog article entitled “Why OUR Telecommunications Market Information Report indicate Jamaicans love Snapchat and High-Speed Internet”. 

So does this mean Internet usage is on the rise? And if so, what segment of the Internet Market is responsible?

Telecoms profit from Internet – Mobile leads the charge with 1 million subscribers

Good to keep the stats from the latest Economic and Social Survey Jamaica published by the Planning Institute of Jamaica in the back of your minds as you contemplate how much money Telecom Provides make:

1.      2.8 million Jamaicans

2.      1.46 million Jamaicans use the Internet

Breaking these figures down the users of Internet are as follows:

1.      1.3 million mobile Internet users

2.      161,000 broadband subscribers

3.      966 narrowband or ADSL subscribers

These users have also increased Q3 of 2015 ending September 2015 when compared to the same period last year:

1.      40% increase for mobile Internet users

2.      3.5% increase for broadband subscribers

3.      0% increase in narrowband or ADSL subscribers

So clearly the growth is coming from Mobile Internet, which now has 1 million subscribers and 1 million problems. This includes a recent Islandwide Internet outage where Mobile, Fixed line and Broadband Network, went down between Friday September 2nd and Saturday September 3rd 2016 as reported in my Geezam blog article entitled “FLOW Jamaica Network Outage due to 1 Million Satisfied Customers” 

So, with Internet being so important, what segment of Internet makes the most money?

Fixed Line vs Mobile - Postpaid Fixed Line Growing slowly but more profitable

As was the case the last time, data collection from Digicel wasn't easy, as they're not publicly listed as is FLOW Jamaica.

But clearly, Jamaican love for Social Media Apps such as WhatsApp and Instagram may account for the explosion in Mobile Prepaid Data; Snapchat is best used on Wi-Fi from a FLOW or Digicel Play Cable Service.

Still, 90% of the JA$6 billion per quarter is actually made by the slower growing fixed Line or Landline segment, being as they are postpaid. Albeit the figures appear to show the revenue is higher for Internet, which comprises mobile Internet, Broadband and narrowband subscribers, the reality is that Broadband and narrowband or ADSL subscribers are a part of Fixed Line.

Fixed Line customers, who are at home, subscribe to Broadband and narrowband in the form of FLOW Horizon Cable service and ADSL (Asynchronous Digital Subscriber Line); these are mostly postpaid subscriber, with the exception of Browse and Talk, which is a monthly subscription.

FLOW is in the process of upgrading to VDSL (Vectoring Digital Subscriber Line) with plans to introduce FTTH (Fiber to the Home) soon as predicted in my Geezam blog article entitled “How FLOW’s 70 Mbps VDSL in St. Ann means FTTH, 4G LTE on North Coast”. 

They, however, have not been focusing on launching LTE (long Term Evolution) as LTE's high CAPEX (Capital Expenditure) and low ROI (Return on Investment) means they'll not be investign in an LTE buildout as noted in the article “FLOW Hikes Mobile Data Plans To Boost Income - Cheapest Product Doubles In Price; Now Offering 'Recharge' Loan Facility”, Published Wednesday September 21, 2016 by Steven Jackson, The Jamaica Gleaner.

C&WJ/FLOW Jamaica Managing Director Garfield Sinclair made this declaration to shareholders at the company's annual general meeting on Wednesday September 7 and he'll most likely stick to that declaration. Their focus is instead on making more money from Prepaid Mobile Data, which they've done as noted in my Geezam blog entitled “FLOW Jamaica new Data Plans as FLOW ID, My FLOW App and Streaming Needed”.

The figures present by Telecommunications Market Information Report for Q3 of 2015 make it quite plain; Fixed Line not Mobile is the real money maker.

Albeit growing faster in terms of subscribers, until Mobile is 90% postpaid as argued in my Geezam blog article entitled “FLOW Jamaica FAM Postpaid needs FLOW ID, My FLOW App and Mobile Money”, Mobile Voice and Data will not match the revenues made by Fixed Line customer who are also Broadband and narrowband, which is mostly Postpaid.

Symbiote Investments Limited gets DMSL License for Caricel as 5G coming in 2020

“The main work for my Cabinet was to determine whether the conditions set by the former Cabinet were met, but we did more than that.  We carefully considered the matter and took into account the legal advice of the Attorney General”

Prime Minister Andrew Holness commenting on the decision to grant Symbiote Investments Limited a DMSL (Domestic Mobile Spectrum Licence) on Tuesday September 13 2016

Caricel lives, leaving Digicel very afraid.

This as Prime Minister Andrew Holness decided to grant Symbiote Investments Limited a DMSL (Domestic Mobile Spectrum Licence) as reported in the article “Gov’t to Proceed with Issuing of Telecoms Licence to Symbiote Investments”, published September 14, 2016 by Denise Dennis, The Jamaica Information Service.

On Tuesday September 13^th 2016, Prime Minister, the Most Hon. Andrew Holness made his decision known during a sitting of the House of Representatives. He also state that the current carrier and service provider licences held by Symbiote Investments Limited, which uses the brand name Caricel, will not be revoked.

This despite a report by the OCG (Office of the Contractor General) recommending that the DMSL be revoked and should not be issued based on investigation into the company. Prime Minister Andrew Holness decision was therefore made on the legal counsel provided by the three (3) regulators related, somewhat vaguely, to the Telecoms Industry:

1.      OUR (Office of Utilities Regulation)

2.      SMA (Spectrum Management Authority)

3.      JCF (Jamaica Constabulary Force)

4.      Symbiote

However, the DMSL, which is granted for fifteen (15) years, comes with certain provisions:

1.      Confirmation from the Financial Investigation Division of the Jamaica Constabulary Force (JCF) that there were no adverse findings from the due diligence exercise

2.      No sale of the licence

3.      No change of control or owner (directly or indirectly) without the approval of the Government of Jamaica

But strangely, Symbiote Investments Limited had already been granted a Telecom License as officially announced on Monday May 16th 2016 to begin operations in Jamaica as I'd reported in my blog article entitled “How JA$6.2 billion Symbiote Investments Limited Spectrum may be Chinese-Jamaican Telecom Provider”. 

So what was causing the delay?

Symbiote Investments Limited and the DMSL - Financial troubles drew OCG's eye

Turns out there were some issues as it relates to paying the requisite fee of US$21 million ($2.65 billion) to acquire the DMSL. Symbiote Investments Limited had not paid the amount in full.

Instead, they paid only paid US$4 million upfront with plans to pay the rest in instalments over a decade as related by Patrick Bailey, an attorney in the article “Caricel, Spectrum Authority Differ Over Payment For Licence - Former Cable & Wireless Executive Tapped As Chairman Of New Telecoms”, published Friday June 17, 2016 by Steven Jackson, The Jamaica Gleaner.

Whether or not this is actually possible and even known by the Telecom authorities seems to have created quite a stir. But it did reveal more about the internal structure of Symbiote Investments Limited.

Symbiote Investments Limited came in to existence back in 2011. The listed directors are:

1.      Undel Williams

2.      Lowell Lawrence

3.      Natalie Neil

4.      David Shaw

The members are not officially listed as Directors of the company and may simply be founding members. Also the company's main investor appears to be Narysingh LLC, an offshore company with a 89% stake or 85,000 shares in the company and unknown members. Minett Lawrence and Lowell Lawrence have a 5000 share stake and Undel Williams holds another 5000 shares.

Good to note here that by June 2 2016, Undell Williams had resigned while Ian Moore and George Neil were added as directors as noted in the article “Contractor General Carrying Out 'Review' Of Caricel Operator - Ian Moore, George Neil Added As Company Directors”, published Sunday June 26, 2016, The Jamaica Gleaner. 

David Shaw, who is using his connections as former CEO of the Caribbean business of Cable & Wireless Communication to gain financing for Caricel in London and Hong Kong, may possibly become the Chairman of the newly formed company.

As it relates to infrastructure, they have a measly 200 towers representing some US$40 million worth of investment in Jamaica thus far. So in short, they have no official board of directors and their financing seems somewhat piecemeal, as they only have 200 towers.

According to attorney  Patrick Bailey, they plan to full details of their plans during their official launch, but gave no specific date or timeline, quote: “Caricel will release information on it revolutionary, completely LTE-advanced network as well as equipment and plans when the official launch of the company takes place. Suffice it to say, our rates and plans will be extremely competitive and our technology delivery unmatched. Our network is completely new, and not an upgrade or mix of old and new technologies, so therefore, we believe the consumers will find our offerings quite impressive”.

Also, it's not clear what their strategy will be to compete successfully against Digicel LTE, which has already launched in Kingston and Montego Bay as noted in my blog article entitled “US$50 million 60Mbps Digicel LTE Network as Caricel and FLOW prep for August 2016 Launch”. 

 Their announcements in the media of an partnership with Alepo, a Network infrastructure company and Comtech Telecommunications top launch in the Kingston and Portmore areas as noted in my blog article entitled “How Caricel's 4G LTE Network is being built by Alepo and Comtech Telecommunications Partnership” was a bit premature.

This is what may have drawn the attention of the OCG (Office of the Contractor General).

The OCG and Symbiote Investments Limited - Recommendations to Minister Dr Andrew Wheatley not to sign issued

The OCG (Office of the Contractor General) had some concerns about the operations of Symbiote Investments Limited.

This as one of the principal directors of Symbiote Investments Limited, George Niel, was a principal investor in Index Communications Network, which was the company that launched Gotel back in 2009 as noted in “Cabinet to review OCG report on Caricel”, published Monday, July 25, 2016, The Jamaica Gleaner.

The OCG also had concerns about testing being conducted by Caricel, claiming they'd breached section 63 of the Telecommunications Act, and Section 5 of the Radio and Telegraph Control Act, by using the spectrum without a prescribed licence. Apparently the SMA had detected a signal from the Sutton Street area of Kingston and two other locations, on the same frequency they requested in their DMSL.

Symbiote Investments Limited claims they began testing of their equiptment and had sought the guidance of the SMA, but none was forthcoming. Hence the testing was halted.

Symbiote Investments Limited also claims a legal right to own the equiptment and thus pointed out the conduct of the SMA as it relates to providing them with guidance on testing procedure should also be investigated by the OCG.

The OCG went on further to recommend to the Minister of Science, Energy and Technology Dr Andrew Wheatley to not sign an agreement for the DMSL to Symbiote Investments as they were conducting a review of the company as noted in “Contractor General Carrying Out 'Review' Of Caricel Operator - Ian Moore, George Neil Added As Company Directors”, published Sunday June 26, 2016, The Jamaica Gleaner. 

Despite this, Prime Minister Andrew Holness has decided that, despite these concerns, Jamaica needs to have a Third Telecom Provider to provided much -needed competition in the Telecom Market.

Prime Minister Andrew Holness and the OCG - Changes coming as 5G ramp up on the horizon in 2020

However, Prime Minister Andrew Holness has taken some of the OCG's recommendations in consideration. These recommendations are as follows:

1.      Non-Jamaicans applying for telecommunications licences should provide all required and relevant information about their shareholders, directors and other officers

2.      Set clear standards to determine whether an applicant for a telecoms licence is fit and proper

3.      Require that the regulatory authorities continuously check that the telecoms licensee is fit and proper to maintain their telecom license

4.      A mechanism to enable the relevant authorities to determine which adverse trace finding, where any exists, would result in a failure of the fit and proper test

5.      A requirement that a person being investigated by the OCG be given a hearing in the course of the investigation before the publication of its report.

There are also recommendations being made for regulations on the following:

1.      Testing of new technologies such as Li-Fi and Fiberless Optical

2.      Guidelines on Sandboxing and testing of equipment prior to DMSL being issued

3.      Emergency use of spectrum by the security forces  

The Prime Minister has sought balance and has achieved it; an overall review of the legal and regulatory framework for the telecommunications industry is to be undertaken.

This will most fall under the Single ICT Regulator, Data Protection Act and Information and Communications Technology (ICT) Act that had been declared on Wednesday, June 22, 2016 as reported in my blog article entitled “How Jamaican ICT Sector is being upgraded with ICT Act, Single ICT Regulator and Data Protection Act”. 

Meanwhile, even as this is ongoing, the Telecoms Customer contracts are under review by the OUR (Office of Utilities Regulation) as noted in the article “OUR To Overhaul Terms Of Telecoms Customer Contracts”, published Wednesday September 7, 2016 by Tameka Gordon, The Jamaica Gleaner.

We are on the cusp of 5G come 2020 as predicted in my Geezam blog article entitled “5G Networks with Renewable Energy, Fiber Optic Waveguides and AI”, correcting these deficit in the current Telecommunications Act of 2012 will take time.

How MICO University College use of ePay is Mobile Money for Miconians as Cross Roads goes Cashless

“Alliance is elated to be partnering with such an important institution as The Mico University College. Our technology will save the university time and money, while providing the security, safety and efficiency that a cashless system brings to an educational institution”

Director, Alliance Payment Services Ltd., Peter Chin, commenting on the deal with the MICO University College

Miconians, it’s finally happening at the MICO University College. 

Even as hurricane Matthew approaches in the next 24 to 36 hours as noted in the article “UPDATE: Hurricane Matthew Now Moving Northward Slightly Away From Jamaica”, published Saturday October 1, 2016, The Jamaica Gleaner.

My school is finally going cashless as declared in the article “Mico Goes Cashless - EPay To Power New System”, published Sunday October 2, 2016, The Jamaica Gleaner.

The 2016/2017 MICO University College Students have been issued with new ID's that have an ePay option as show with the picture of my ID below.

I'm currently at the MICO University College in my 5^th Semester of the Professional Diploma in Teaching. It's basically a program for professionals that already have a degree or years of experience in Business, Science or the Art who are seeking accreditation to become teachers.

It's based on Alliance Payment Services Ltd ePay platform as described in my blog article entitled “Alliance Financial Services Limited's ePay will beat Scotiabank and NCB's in Mobile Money Revolution”.

The ePay cashless school programme being implemented by the MICO University College to more effectively manage and control:

1.      Admissions/registrations

2.      Payment

3.      Meal management

I'll allow MICO Students to:

1.      Campus access to room that require a swipe

2.      Settling payments e.g. library book, tuition

3.      Purchases both on and off campus e.g. books, fast food outlets, Movie theatre

4.      Use Dorm Facilities e.g. purchase meals at the Cafeteria

So how exactly does it work?

MICO University College ePay cashless school programme - Mobile money for Miconians

The ePay cashless is basically a swipe card built into the MICO Student's ID. It has the ePay logo on the front and uses the Magnetic strip on the back of the card.

MICO University has installed Card reader all over campus to enable ePay transactions, so Miconians have no excuse to avoid upgrading their ID’s.

The Cashless School System powered by ePay is the technology solution that allows for efficient management of campus resources and the collection of money from financial transactions while student are on campus. It makes it easier to track payments and receipts and may potentially be used to pay MICO University Staff fees and expenses i.e. petty cash.

This system does away with traditional paper based accounting systems that generate tons of paper receipts relating to payments. This makes reconciling payments easier as all payments made to and from the MICO University Bursar.

The Bursar can be do settlements, reconciliations of payment as well as quarterly and yearly audits via the centralized ePay cashless school programme that has online real-time access for reporting payment activities.

This move is a lot like the GOJ's (Government of Jamaica) move towards Electronic Transactions, be it Debit, Credit or Mobile Money as noted in my blog article entitled my blog article entitled “How Electronic Transactions in Jamaica can eliminate Hidden Economy via Universal Consumption Taxation”.

Electronic Transactions, be it Debit, Credit or Mobile Money used on freely accessible websites as listed in my Geezam blog article entitled “How Jamaicans on FLOW and Digicel access GOJ Websites without a Data Plan” potentially projected to increase tax collection in Jamaica.

This as Electronic transitions eliminates the possibility of corruption and makes it easier to track payments. In a similar light, the MICO University College is merely implementing this to fight internal corruption within the University as it relates to payments from students and other business entities that carry out transactions with the MICO University College.

Easier life for Students – Miconians ambassadors for ePay Mobile money 

The ePAY Program will make life easier for students.

Yes, in case you’re wondering, it's a lot like the NCB Quisk which has already bested the CONEC Mobile Wallet as explained in my blog article entitled “How NCB Quisk Compares to CONEC Mobile Wallet as Jamaica goes Cashless”.

It can be topped up both at the MICO as well as at any location that allows you to use ePay. Best of all, student can lend each other cash or pay for services via the ePay App on their Google Android smartphones.

They'll be able to more effectively track their meals at the Cafeteria, as they'll only be able to make purchases of food using the ePay Card as no cash will be accepted. Even paying for Library books will be done via the ePay system, making robberies on campus a thing of the past, as all money will be in you school ID.

So Miconians, you’ll need to upgrade to the new ePay enabled ID, with is covered by the very mysterious and ever-growing miscellaneous fees. You’ll always need to have your MICO ID on you if you want to purchase items on campus. Not only is it convenient, but it’ll make it harder for thieves to steal your money.

Best of all for MICO Students, it’ll make it easier for parents. Patents will be able to send their little Miconian money direct to their ePay card from their bank accounts via the ePay online platform, even on the Weekends.

So in a nutshell, the ePay Card School Program is Mobile money for Miconians. It’ll makes managing payments and doing financial audits for the MICO University College easier as well as help students manage the transition to becoming a Miconian.

It may even help in the proliferation of Mobile Money among Jamaicans and High School Students in the Cross Roads Area and beyond; Miconians as Ambassadors of ePay.

Now if only we could get Miconians to wear their ID’s around their neck, then all would be right on the campus!

Here's the link:

EPAYMobile on Google Play Store