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Mobile Payments & Banking - NACHA Global Payments Forum

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Short presentation featuring case studies Rabo Mobiel (The Netherlands) and NMB Mobile (Tanzania) for the NACHA Global Payments Forum, London (February 21 2010).

Short presentation featuring case studies Rabo Mobiel (The Netherlands) and NMB Mobile (Tanzania) for the NACHA Global Payments Forum, London (February 21 2010).

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  • Rabobank is marktleider in:HypothekenSparenLenenVerzekeren (schade)En tweede:BetalenBeleggenPostbank/ING is marktleider qua fullservicebank/all finanzbank -> huisbankier (3 diensten of meer)Zijstap: All finanz huisbankier zijn zit dus niet in een duur advieskanaalDaarnaast is Rabobank toonaangevend en wint diverse prijzen zoals Beste Website maar ook voor CRM(implementatie), beste lokale KCC, marketing, sponsoring, iDeal, Rabo Mobiel (bestellen&betalen in de Horeca) etc.
  • Launch billboard ad.Pretty aggressive for a bank actually.Rabobank took Rabo Mobiel very seriously, in the formula, and above-the-line advertising too.
  • Three GSM “Mobile Network Operators” or MNOs (licence holders)
  • However, they also have alternate brands. There are many choices for Dutch mobile consumers.
  • All-in-all, the market in The Netherlands is an insanely competitive and commoditised market. Over 40 MVNOs/ESPs and MNO brands to choose from. Both positive and negative elements, naturally. Consumers are used to choosing alternate brands for mobile services, but it’s a noisy market.Differentiation is hard. Tariffs are very low. Handset subsidies still strongly define market offerings (consumers choose an operator based on the phone (free normally) and the in-bundle minute-pricing.
  • Some examples of what Rabo Mobiel looked/looks like.
  • Some examples of what Rabo Mobiel looked/looks like.
  • Some key Rabo Mobiel milestones ... But also these fit within the long-term Rabobank history of innovation (NEXT SLIDE)
  • Rabobank has been innovating for a long time. Highlights:First ATM in The NetherlandsFirst Internet Banking product, pioneering internet banking in EuropeFirst web portalFirst WAP siteFirst mobile banking portaliDealMiniTixFirst MVNO/ESP
  • MiniTix online (2004-06)one-click paymentssimple authenticationpayments to €150automatic upload, customer sets all alerts, settings, etc.connection with current bank accountworks with all Dutch bank accountsMiniTix SMS (Aug 2007)Rabo SMS Betalen (P2P) (Jun 2008)Rabo SMS Betalen mobile application (Jun 2008)MiniTix NFC (2008-09)NFC cards, NFC mobile phonesBeing rolled out in schools, theatres, parking, bicycle storage, vendingSMS Betalenwasdesignedfor P2P and merchants payments – directly to your mobile numberBank-independent and operator-independent payments for small and medium-sized transactions, based on MiniTixAutomatic top-up, transferring money back to personal bank accountDownloadable SMS Betelan Java Application for easy balance and transfer checks, sending money to friends, and a mobile shop that enables merchant content
  • Transcript

    • 1. Mobile Banking & Payments Development
      Rabo Mobiel (NL) &NMB Mobile (TZ)
    • 2. About Rabobank and Rabo Mobiel
      Rabobank in The Netherlands:
      3,7 mln internet banking customers, 7 mln customers overall (population: 16,5 mln)
      180 local banks and 1400 locations
      Loyal, involved customers including 1,5 mln members
      Key segments: consumers and small business
      Tradition of innovation
      Rabo Mobiel
      Started in mid-2005, market launch in Nov 2006
      Postpaid/prepaid, ZZP, all segments, regions.
      2 Roles: MVNO and Mobile Financial Services Incubator
    • 3. Rabobank and the NL Banking Landscape
      Marktpositie als huisbankier 2008
      Mortgages (1) 27%
      Savings Accounts (1) 41%
      Loans (1) 22%
      Insurance (1) 13%
      Payments (2) 30%
      Investment (2) 16%
      • Rabobank has the highest trust rating of all NL banks with 42%; #2 is 17%
      • 4. AAA rating (Moody's, Standard & Poor's), top-15 world financial institution
      • 5. Year-on-year, Rabobank ranks with the best bank website, customer service centre, CRM implementation, marketing and sponsorship programmes
      With such strong performance, was starting Rabo Mobiel a risky proposition?
    • 6.
    • 7. NL Mobile Marketplace (2009) – mobile operators
    • 8. NL Mobile Marketplace (2009) – mobile operator brands
    • 9. NL Mobile Marketplace (2009) – many choices
      Telecombination
    • 10. Rabobank GSM MVNO & Value-Added Bank Product
      Great, Core Mobile Telecommunications Product
      Rabobank Values – trust, security, quality, easy-to-use services, cooperative value
      Online Self-Care Environment
      Secure Mobile Banking
      Commitment to Applications Innovation (Mobile Financial Services)
    • 11. Rabo Mobiel in the Marketplace
    • 12. Rabo Mobiel in the Marketplace
    • 13. Rabo Mobiel and Local Rabobank Partners
    • 14. Rabobank GSM MVNO
      Telecommunications Services
      Mobile Internet Access
      Mobile Content, Information & Media
      Portals and Self-Care
      Value-Added Bank Product
      Banking “On the Go”
      Premium Product / Combination
      Communications Channel for Local Banks, Members 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 & UsabilityEncryption, Mobile Business Rules
      Mobile Low-Value Payments
      Standards, Retail/Consumer Acceptance, Security, Sustainability
    • 15. Rabo Mobiel Milestones
    • 16. Rabobank Banking & Payment Innovation
      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
    • 17. 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 Applications Projects
      Customer bank account
    • 18. SMS Betalen iPhone application
    • 19. NFC Mobile Ticketing: DiergaardeBlijdoorp (2008-09)NFC Fietsenstalling: Eindhoven, Tilburg (2008-09)
      Mobile Applications 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 Domestic Debit Card and Shopping Tool: C1000 (2007-08)
    • 20. Mobile Terrace Payments: MyOrder at various locations (2008-09)
      Mobile Health: StichtingDiabeter, Health Agency, Achmea (2008-09)
      Mobile Applications 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)
    • 21. Rabobank Mobile Banking
      Mobielbankieren enables transfers to known parties and payments up to €50.000 with Random Reader
      Saldo Direkt 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
    • 22. Rabobank Mobile Banking iPhoneApplication (Dec 2009)
    • 23.
    • 24. Rabobank International
      • Rabobank’s international market niche is food- & agri business
      • 25. Customer Network: many of the global food companies
      • 26. Expertise: dedicated research team (80 professionals)
      • 27. Agri products: weather derivatives, price hedging instruments
      • 28. Rural retail banks in various countries
    • Rabobank Development
    • 29. Rabobank Development
      Eligible banks:
      • Developing (low income) economies
      • 30. Economic, political and social stability
      • 31. Rural area and agricultural sector important for economy
      • 32. Open for foreign investments
      • 33. Safe for our staff
    • Rabobank Partner Banks
    • 34.
    • 35.
    • 36.
    • 37. 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.
    • 38. NMB Innovation and Milestones
      ATM Money Transfer
      NMB Personal Account: ATM Roll-Out Begins
      Internet Bankingfor Corporates
      100 ATMs within 1 Year
      NMB SMS Salary Alerts
      TanescoLuku Payment via ATMs
      Vodacom Airtime via ATMs
      2006
      2007
      2008
      2009
      NMB Business Account
      NMB TPDF Account
      NMB Bonus Account
      85.000 SMS Salary Alerts Users
      IPO: NMB Welcomes 27.000 new Shareholders!
      NMB Wisdom Account (pensioners)
      200 ATMs within 2 Years
    • 39.
    • 40.
    • 41. NMB Mobile Goals
      Virtualisation / new product and channel for the NMB portfolio and its customers
      Commitment to convenience and lifestyle choices of customers
      Customer requirement-driven, not technology-pushed
      Queue length reduction (branch, ATM)
      Innovation and strengthening the NMB brand
      Profitability
    • 42. NMB mobile
      Easy-to-use NMB mobile banking and payments for all NMB customers (USSD)
      Features the most desired consumer applications:
      Balance Inquiry
      Mini-Statement
      Money transfers to any NMB account
      Tanesco Luku 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
    • 43.
    • 44.
    • 45. Thank You!
      Dan Armstrong
      Takashi Mobile
      dan.armstrong@takashimobile.com
      +31 652 085 071