This document discusses Rabo Development's mobile banking and payments programs in Africa. It provides examples of mobile banking apps launched by Rabo partner banks in countries like Tanzania, Rwanda, Malawi, and Zambia. These apps allow customers to perform tasks like checking balances, transferring funds, and purchasing airtime via their mobile phones without needing to visit a branch. The document outlines the growth and features of these various mobile banking programs, noting many have over 100,000 active customers. It argues these branchless banking solutions can help increase access to financial services for those in developing markets.

1. Mobile Banking and PaymentsHow Rabo Development is Using Mobile, Branchless Banking Formulas to Change Access to Financial Services in Africa A few slides on mobile banking and payments developments within Rabo Development partner banks in Africa. Dan Armstrong Mobile Convention Amsterdam, 19 April 2011

2. Some MFS Rabobank has launched in NL 2003-2011

3. Other Rabobank and Partner MFS Apps, Trials, Products

5. Robeco, Sarasin, Orbay, Obvion, Interpolis, LageLanden, Athlon , etc.

7. Projects: Egypt, Malaysia, Vietnam, Kazakhstan, Pakistan, Ukraine, Malawi, etc.Rabo International – Retail & Wholesale Rabo International - Wholesale RIAS & Rabo Development Rabobank Foundation

9. 40+ years of success, growth and stability, successful expansions, privatisation and IPO 450.000 customers, 1.200 employees, 50 branches Year-on-year profitability, K3 bln in assets, mature risk management regime. Healthy account portfolio including: Retail: account services, personal loans, e-banking, Xapit, remittances, cash services Corporate: credit facilities, e-banking, cash services, treasury and investments, trade services Transformation to modern banking tools: 100+ ATMs, internet banking, mobile banking POS collaboration with Zampost, 121 new locations in 2011 Rabobank: 49% (2007) Zanaco

10. Xapit Instant Banking Launched in late 2008, USSD mobile banking Also, Xapit ‘account’ = welcome pack + mobile banking + ATM card Sign-up for an account and get mobile banking and a VISA debit card in 5 minutes. 250.000+ customers to-date 20+ bill payment partners, prepaid airtime, etc. June 2010 Usage: 21 transactions per month (average) All MNOs: ZAIN, MTN & CellZ *444#

11. First Merchant Bank : FMB Fast Account FMB 19 branches, corporate and retail banking, 600 employees, growing strongly 1/11 commercial banks in Malawi FMB Mobile / FMB Fast Account Launched summer of 2010, 50.000+ customers to-date Successful to-date – packaging of ATM card, bank account and mobile banking functionality Includes immediate (small) balance on customers’ account, facilitating usage of the new product

12. Case Study: NMB mobile NMB: National Microfinance Bank Ltd. 1,9 mln customers (65% of all banked Tanzanians) Largest Tanzanian bank network, 145 (100% automated) branches, 300+ ATMs nation-wide (donated by local Rabobanks) Consumer and small-business focused, all income levels Branch network designed to cover minimally 80% of Tanzanian districts. Empowering Entrepreneurs

16. NMB mobile – mobile banking Dial *155*66# to access Features: 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 No need to fill-in forms or visit an NMB branch to sign-up, simply dial *155*66*123# NMB mobile: Launched in August 2009 450.000+ active customers to-date All mobile networks, 100% nation-wide coverage SMS Alerts to 220.000 customers monthly NMB mobile 1. Balance Enquiry 2. Mini-Statement 3. Money Transfer 4. Prepaid Services 5. Other Services 6. Help

17. BPR & BPR Mobile Banking Banque Populaire du Rwanda 1.3 mln customers, 1.400 employees, 191 locations nation-wide Far larger customer base and network than all other banks in Rwanda combined 1/3 of customers not having “automated” bank accounts New BPR E-Channels BPR Mobile Banking (launched 09/2010, 100.000+ customers to-date) BPR SMS Alerts BPR ATM Cards BPR QuickCash ATMs BPR Call Centre

18. BPR ATMs (new "BPR Quickcash" formula) Quickcash and ATM Cards 100 BPR ATMs online in 2011 throughout Rwanda (donated by local Rabobanks) Increased ATM usage through new marketing and promotions, usability campaigns and POS roll-out New E-Banking Call Centre BPR call centre successful operating, incl. ACD/call queue system Inbound and outbound calling to improve usage, sign-ups and customer satisfaction 650-1.000 calls per day, service level is 85%+

19. Mobile Banking Balance Inquiry Mini-Statement Money Transfer (BPR Accounts) Prepaid Airtime MTN Tigo (pending) Bill Payments RECO Prepaid Electricity StarTimes Africa TV DStv MTN Postpaid Bill Tigo Postpaid Bill (pending) Bank Services Change BPR Mobile Banking PIN Change Language Order Cheque Book Help BPR Mobile Banking Also: Free SMS Salary Alerts

20. BPR Mobile Road Shows & Sign-up Success

21. BPR Mobile Road Shows & Sign-up Success

22. Generating Successful Formulas in (Developing) Markets Inexpensive, Standardised Savings Products Currently has / uses another financial product Redistribution Zone Too poor Target / Addressable Market Excluded by design Does not have access to the product Agents, Branchless Banking, Mobile Development Zone Excluded by default Does not have / use a financial product Awareness & Usability Campaign Does not want the product Has access to the product, but does not use it Enablement Zone Potential users Based on: http://www.bankablefrontier.com/assets/pdfs/access-frontier-as-tool.pdf

23. Thank You! Dan Armstrong, +31652085071 dan.armstrong@takashimobile.com, d.d.armstrong@rn.rabobank.nl www.rabobank.nl www.rabobank.com