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Future of Web 2.0 - talk, 22 September 2009
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slides from the talk at The Future of Web 2.0 Meetup - Amsterdam, 22 September 2009 (Smart Project Space, Amsterdam)

slides from the talk at The Future of Web 2.0 Meetup - Amsterdam, 22 September 2009 (Smart Project Space, Amsterdam)

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Future of Web 2.0 - talk, 22 September 2009 Presentation Transcript

  • 1. Dan Armstrong – The Future of Web 2.0, 22 September 2009
    Some thoughts on internet access, banking and payments innovations
  • 2. 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
    • 3. Communications Channel for Local Banks, Leden and Customers
    Mobile Incubator- Product/Business Development for Mobile Financial Services and Products
    - Launch of Remote and Contactless Payments and Partnerships
    Mobile Knowledge Centre- NFC, Consumer Behaviour & Usability- Encryption, Mobile Business Rules
    - Mobile Low-Value Payments
    - Standards, Retail/Consumer Acceptance, Security, Sustainability
  • 4. Some examples of MVNO Models
    Telephony
    Cheap (SIM only, large bundles, no-frills, VoIP)
    Target segments (youth, minorities, cheap intl. 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
    Leverage powerful brand
    Reinforce core business in other areas
    M2M/network utilisation
  • 5. Rabobank GSM MVNO & Value-Added Bank Product
    Great Mobile Telecommunications Product – top-quality services, bundles or bundle-free, unlimited internet, competitive tariffs, SMS packages, MKB offers
    Core Rabobank Values - trust, security, quality, easy-to-use services, cooperative value
    Online Self-Care Environment
    Commitment to innovation - core asset for differentiation is Mobile Financial Services
    Secure mobile banking
  • 6. Rabo Mobiel as “Incubator & Knowledge Centre”
    2006 – Open Mobile Internet (OMI) programme launched
    2006 – Rabo Mobile launched (world’s first bank MVNO)
    2007 – Rabo Schoolbank NFC Cashless Schools
    1981 – First ATM in NL
    2007 – Rabobank / Rabo Mobiel NFC Trials Kick-Off
    1994 – 1st web portal www.tref.nl
    2008 – Mobielbankieren up to €50k (RR)
    1986 – Pin Retail PoS
    1996 – Internetbankieren launched
    2009 – NFC Payments Roll-Out
    1989 – Telebanking
    1980
    1990
    2000
    2010
    2008 – SMS Betalen Launched
    1995 – “Rabofoon” IVR Banking
    2007 – MiniTix SMS
    1999 – 1st bank WAP site launched (mmm.rabobank.nl)
    2005 – Rabo tv
    2003 – Mobielbankieren on i-Mode
    2004 – Mobielbankieren launched on Vodafone Live!, Orangeworld, T-zones
    2004 – MiniTix Online Launched
    Rabo Mobiel B.V.
    2006
    2007
    2008
    Postpaid Launch
    Prepaid Launch
    30 Banks Online
    Orange -> KPN
    120 Banks Online
    MIB 6.0 (OMI)
    MIB 4.1 (RR)
    SMS Betalen Launch
    Launch of Segment Packages
    C1000 NFC Trial
    Diergarde Blijdorp NFC Ticketing
    MyOrder Terrace Betalen
    MKB/ZZP
    Youth
    Postpaid Retail Launch
    NFC Trials: Coca-Cola, FEBO
    180k + customers
    Senioren
    Retail Launch
    100k + customers
    AH To-Go Trial
  • 7. MiniTix Online (2004-06), MiniTix SMS (2007), SMS Betalen(2008), MiniTix NFC (2008-09)
    SMS Betalen: Launch of P2P payments directly to/from MSISDNs, Java midlets, iPhone application, online website, MiniTix Merchants (2008)
    Mobile Innovations Projects
    Customer bank account
  • 8. NFC Mobile Ticketing: DiergaardeBlijdoorp (2008-09)NFC Fietsenstalling: Eindhoven, Tilburg (2008-09)
    Mobile Innovations Projects
    NFC Cashless Schools: kassa’s and vending, ASH, HHS/Redbird (2007-09)NFC Cantina Trials & Roll-Out: Carian/MiniTix (2008-09)
    RabobankRotterdam
    NFC Vending Trials: Coca-Cola, FEBO (2007-08)
    NFC Mobile Debit Card and Shopping Tool: C1000 (2007-08)
  • 9. Mobile Terrace Payments: MyOrder @ various locations (2008-09)
    Mobile Health: StichtingDiabeter, Health Agency, Achmea (2008-09)
    Mobile Innovations Projects
    Albert Heijn To-Go NFC Shopping: Amsterdam Amstel (2008-09)
    MiniTix Mobile Merchants: SMS Betalen Java Midlet (2008-09)
    Mobile Parking: Park-Line (2007)Rekeningrijden: with Rabobank (2008-09)
  • 10. Mobielbankieren
    Mobielbankieren enables transfers to known parties and payments up to €50.000 with Random Reader
    SaldoDirekt provides 1-click account balances on all your accounts
    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
    WAP
    WAP
    IVR
    SMS
    SMS
    WAP
    WAP
    WEB
  • 11. Will the current “issuer-centric” world become a “customer-centric” world?
    Example: NFC
    DebitCard
    Customer needs to go to the bank, request PIN pass, credit cards, changes…
    OfficeEntrance
    Credit Cards
    Travel to NS for an OV-chipkaart, apply for personalised OV-chipkaart…
    Different cards, chips for different services…
    PublicTransport
    Rabo
    Schoolbank
    Member-ship
    Loyalty
    SportPass
    Pick up loyalty cards at supermarkets and retail locations
    Do consumers want this?
  • 12. Disintermediation of the trusted applications provider
    Perhaps these are not the right questions? Is access relevant? Today’s smartphones both:
    facilitate user-generated content and the presentation/access layer
    centralise the role of (secure) applications provision and payments; local/national players will struggle to combine access and content.
    1.0 ?
    2.0 ?
    ... Ahem. What about the developing world?
  • 13.
  • 14.
  • 15.
  • 16. Case Study: NMB mobile
    NMB: National Microfinance Bank Ltd. (Tanzania)
    1,3 mln customers
    Consumer and small-business focused
    Dedicated to providing sustainable, viable access and direct financial services.
    Proud of our history of support for Tanzanians of all income levels, government and businesses.
    Close By
    Extensive network with 130+ branch locations and 200+ ATMs nation-wide.
    Branch network designed to cover minimally 80% of Tanzanian districts.
    Empowering Entrepreneurs
    Paying special attention to micro, small/medium-sized and rural business.
    Tanzanian agriculture is close to our heart (KILIMO KWANZA). We play a roll in all parts of the supply chain.
  • 17.
  • 18.
  • 19. Case Study: NMB mobile
    Easy-to-use NMB mobile banking and payments for all NMB customers
    Features the most desired consumer applications:
    Balance Inquiry
    Mini-Statement
    Money transfers to any NMB account
    TanescoLuku Prepaid Electricity Purchase
    Vodacom and ZAIN Prepaid Airtime Top-Up
    NMB Services like ATM card block, settings
    Works with NMB Personal Account, TPDF Account, Student Account, Wisdom Account
    Simply dial *155*66# to access
    No need to fill-in forms or visit an NMB branch to sign-up, simply dial *155*66*123#
    NMB mobile
    1. Balance Enquiry
    2. Mini-Statement
    3. Money Transfer
    4. Prepaid Services
    5. Other Services
    6. Help
  • 20.
  • 21. Thank You!
    Dan Armstrong
    Takashi Mobile
    dan.armstrong@takashimobile.com
    +31 652 085 071