Zanaco Zambia


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Zanaco Zambia

  1. 1. WelcomesZanaco<br /> 2009<br />
  2. 2. Chessinvolvement in payments<br />Internet payments <br />Mobile payments <br />Point of sale payments <br />E-invoicing<br />Factoring, leasing, treasury management etc<br />Strong footprint in Dutch financial markets, transport, sports and events<br />
  3. 3. Chess M2M secure solutionscompetences<br />Specialist paymentsecurity, <br />paymentschemes, contactlesstransactions, M2M communication. <br />Marketsservices formobility, transport, retail and financialinstitutions. <br />Servicesproducts, integrationprojects, all related services, production and consultancy.<br />
  4. 4. Chess<br />The American School the Hague<br />Closedcashless NFC system<br />Multifunctional NFC cards/phone, accesscontrol, use lockers. <br />BackofficeRaboMiniTix, autoreload, transactionhistory via internet. <br />ChessSupply NFC readers, terminalhost, interface to RaboMiniTix, <br />vending controls, services, consultancy, userinstruction. <br />Thispilot has been directlyextended to full production! <br />
  5. 5. Chess<br />Amsterdam ArenA<br />New paymentsystemfor chip and NFC<br />Mobile sales, event cashregister, fieldsales, as extensionon<br />Cashregister. <br />Functions; purse display, payments, reimbursement. <br />ConsultancyChessresponsablefordeveloppingsecurity-<br />architecture, requirementsfor the paymentsystem, connection to Smart<br />Stadium Concept. Nextconnec Ajax season clubcard to paymentsystem.<br />
  6. 6. Complete ICT service forselling, creating, controllingacces rights<br />Functionalityproductcreation, stadiumlay-out, crm, <br />Central business rules, webshop, supporter site, internetsales, <br />shopsales, stadiumsales, card management, online payments, <br />integrationwithfinancial and accesscontrolsystems, etc.<br />SpecificsKNVB + 38 professional football clubs, 7 yearsapplication<br />lifecycle management + managedapplicationhosting, <br />high performance services due to peakrequests<br />1 mlnseazoncardholders<br />
  7. 7. Zanaco Zambia Current Dutch paymentchannels<br />After 25 years major effort to establish electronic payments<br />250 K POS terminals<br />2.000 mln debit card payments<br />500 mln ATM withdrawals <br />More than 100 card payments per capita/17 mlncapita<br />9 mlninternetbanking users<br />150 banks, multiple bankaccounts per capita<br />But still 5.500 mln cash payments!<br />
  8. 8. Zanaco Zambia Current Dutch paymentchannels<br />To many cards<br />SEPA standards<br />Innovation is hard work<br />E-commerce fast growing but only 75 mlntransactions<br />iDEAL success <br />
  9. 9. Zanaco Zambia Current Dutch paymentchannels<br />Mobile payments<br />Payment initiation and confirmation via mobile<br />Difficult business case in NL<br />AH2Go NFC<br />
  10. 10. ‘Addnewtransactionchannel and P2P to existingbackoffice’<br />FunctionalityPerson 2 person and B2C payments, <br />Couple mobile ID to MTX account, couple SMS gateway, <br />mobile payments interface and applications.<br />ResultsGrowth in Rabo Mobile customers, huge media exposure, <br />Understanding mobile payments in maturemarket, new cases / pilots<br />RecognitionFinalist innovationawardEuropeanPayments<br />CouncilAssociation (2009, EPCA conference Berlin)<br />
  11. 11. RaboMiniTixbackoffice<br />B<br />Remote<br />Community<br />Proximity<br />Online<br />
  12. 12. Zanaco Zambia Dutch leasonslearned<br />Cash payments are a long and tough fight<br />Growth e-payments are based on trust in the system<br />Strong customer authentication and -control is key<br />Payments are a means to attract customers<br />A bank account/bank owned application is core <br />
  13. 13. Zanaco Zambia Dutch leasonslearned<br />A widespread infrastructure is an asset and a burden<br />In a mature market innovation only has short term effects<br />Standardization is necessary <br />Keep the payment portfolio simple<br />Keep business rules and fraud prevention central<br />
  14. 14. Zanaco Zambia Someideas<br />Security and trust are key assets in the bank consumer relation cherish them<br />Position the bank account as valuable for bank and consumer <br />Add a starter relationship based on payments, salary and cash deposits (MTX)<br />Be innovative and gain large marketshare (non mature market)<br />Cooperate with telco’s, strong institutions, brands, affiliates, who offer trust, loyalty and large scale customerbases<br />Reuse existing ID’s, multiple ID’s connected to one account<br />
  15. 15. Zanaco Zambia Someideas<br />Educate potential customers perhaps via loyalty programme<br />Focus on macro payments (trust) and remote payments<br />Guarantee payments <br />Investigate reuse of NRC for authentication<br />Focus POS infrastructure on strategic points (heavy traffic) and low cost technology<br />
  16. 16. Contact<br />Lichtfabriekplein 1<br />2031 TE HAARLEM<br />The Netherlands<br />T +31 (0)23 5149 149 <br />F +31 (0)23 5149 199<br />W<br />E<br />