The black swan theory provides an interesting way of looking at the business world.But for many enterprenuers and corporate leaders, this theory - which describes an event that comes as a surprise and has a major effect - yet to be ingrained in their way of life. A black swan has landed into the Kenyan telecommunications market in the form of Equity Bank’s planned roll out of Thin SIM technology through its wholly owned subsidiary Finserve Africa. What Equity Bank is planning to disrupt and dismantle is the dominance Safaricom has built in the mobile money transfer sector with M-Pesa, and the stranglehold it has in the telecommunications market. Many thought Safaricom’s lead in mobile money transfer services would be unassailable.