Dan Armstrong @ Immovator Cross Media Café

Rabo Mobiel B.V. Rabobank Nederland Cross Media Café Mobiele Media Dan Armstrong (10 februari 2009) De Bank in je Broekzak Rabo Mobiel as accelerator for a new form of bank media and customer interactivity.

Telephony

Cheap (SIM only, large bundles, no-frills, VoIP)

Target segments (youth, minorities, cheap international destinations)

Cheap roaming (multi-IMSI, international players)

Leverage point-of-sales locations or distribution

Existing telecommunications retailers

Strong retailers in other branches

Alternate distribution channels

Reinforce core business in other areas

Leverage powerful brand

M2M/network utilisation

Some MVNO models

What is Rabo Mobiel?

Great Mobile Telecommunications Product

Core Rabobank Values - trust, security, quality, easy-to-use services, cooperative value

Independent company - for speed, innovation, customer experience trials

Online Self-Care Environment

Secure mobile banking

Commitment to innovation - core asset for differentiation is Mobile Financial Services

Rabobank GSM MVNO - Telecommunications Services (voice, SMS, VAS, Prepaid/Postpaid, MKB) - Mobile Internet Access (GPRS, UMTS, HSDPA), Portals and Self-Care

Value-Added Bank Product - Banking “On the Go”

Premium Product / Combination

Communications Channel to, From and between (Local Banks, Leden, Customers)

Mobile Incubator - Product/Business Development for Mobile Financial Services and Products - Launch of Remote/Contactless Payments, Partnerships, Applications Mobile Kenniscentrum - Encryption, Mobile Business Rules - Mobile Low-Value Payments - Standards, Retail/Consumer Acceptance, Security, Sustainability

“ Issuer-centric” world  “customer-centric” world? Customer needs to go to the bank, request PIN pass, credit cards, changes… Travel to NS for an OV-chipkaart, apply for personalised OV-chipkaart… Pick up loyalty cards at supermarkets and retail locations Different cards, chips for different services… Office Entrance Rabo Mobiel wants to move customers themselves to the centre of the card ecosystem. A connected device, card/ID with a screen and keyboard can help do that… Rabo Schoolbank Public Transport Debit Card Sport Pass Loyalty Credit Cards Member- ship

Rabobank banking and payment innovation 1980 1990 2000 2010 1981 – First ATM in NL 1986 – Pin Retail PoS 1989 – Telebanking 1994 – 1st web portal www.tref.nl 1995 – “Rabofoon” IVR Banking 1996 – Internetbankieren launched 1999 – 1st bank WAP site launched (mmm.rabobank.nl) 2003 – Mobielbankieren on i-Mode 2004 – Mobielbankieren launched on Vodafone Live!, Orangeworld, T-zones 2004 – MiniTix Online Launched 2007 – MiniTix SMS 2006 – Open Mobile Internet (OMI) programme launched 2006 – Rabo Mobile launched (world’s first bank MVNO) 2007 – Rabobank / Rabo Mobiel NFC Trials Kick-Off 2008 – Mobielbankieren up to €50k (RR) 2009 – NFC Payments Roll-Out 2008 – SMS Betalen Launched 2005 – Rabo tv 2007 – Rabo Schoolbank NFC Cashless Schools 2006 2007 2008 Postpaid Launch Launch of Segment Packages NFC Trials: Coca-Cola, FEBO Prepaid Launch C1000 NFC Trial 30 Banks Online Diergarde Blijdorp NFC Ticketing Retail Launch Postpaid Retail Launch Orange -> KPN 180k + customers 100k + customers 120 Banks Online SMS Betalen Launch AH To-Go Trial MyOrder Terrace Betalen MIB 6.0 (OMI) MIB 4.1 (RR) Senioren Youth MKB/ZZP Rabo Mobiel B.V.

A few trials and products 2007-2009 1 2 3 4 5 6 7 8 9 10 12 11 13

Mobile as a remote control for your financial life

Mobielbankieren enables transfers to known parties and payments up to €50.000 with Random Reader

Saldo Checker provides 1-click account balances on all your accounts (Dec)

Rabofoon telephone banking (IVR)

SMS Alerts for banking, transfers, payments, telco spending alerts

Mijn Mobiel telecommunications spending alerts, history and invoices

Rabo Financial Services Portal with financial services info., current stocks and financial news

Mobiel Parkeren in 19 NL cities

Rabo Mobiel portal Mobielbankieren SMS SMS WAP WAP WAP IVR WAP WEB SMS IVR Saldo Checker (Jan 09)

Mobile as payment device: SMS Betalen

SMS Betalen was designed for P2P and merchants payments – directly to your mobile number

Bank-independent and operator-independent payments for small and medium-sized transactions, based on MiniTix

Automatic top-up , transferring money back to personal bank account

Downloadable SMS Betelan Java Application for easy balance and transfer checks, sending money to friends, and a mobile shop that enables merchant content

SMS Betalen iPhone application