Future of Web 2.0 - talk, 22 September 2009

Dan Armstrong – The Future of Web 2.0, 22 September 2009
Some thoughts on internet access, banking and payments innovations

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 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

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

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

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

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

NFC Mobile Ticketing: DiergaardeBlijdoorp (2008-09)NFC Fietsenstalling: Eindhoven, Tilburg (2008-09)
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)

Mobile Terrace Payments: MyOrder @ various locations (2008-09)
Mobile Health: StichtingDiabeter, Health Agency, Achmea (2008-09)
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)

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

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?

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?

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.

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

Thank You!
Dan Armstrong
Takashi Mobile
dan.armstrong@takashimobile.com
+31 652 085 071

http://www.slideshare.net	7
http://wildfire.gigya.com	4
http://www.lmodules.com	2
http://translate.googleusercontent.com	1

Future of Web 2.0 - talk, 22 September 2009

by Dan Armstrong on Sep 22, 2009

Accessibility

Tags

Upload Details

Usage Rights

4 Embeds 14

Statistics

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