Mobile Payments & Banking - NACHA Global Payments Forum

Mobile Banking & Payments Development
Rabo Mobiel (NL) &NMB Mobile (TZ)

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

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%
AAA rating (Moody's, Standard & Poor's), top-15 world financial institution
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?

NL Mobile Marketplace (2009) – mobile operators

NL Mobile Marketplace (2009) – mobile operator brands

NL Mobile Marketplace (2009) – many choices
Telecombination

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)

Rabo Mobiel in the Marketplace

Rabo Mobiel and Local Rabobank Partners

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

Rabo Mobiel Milestones

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

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

SMS Betalen iPhone application

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 Domestic Debit Card and Shopping Tool: C1000 (2007-08)

Mobile Terrace Payments: MyOrder at 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)

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

Rabobank Mobile Banking iPhoneApplication (Dec 2009)

Rabobank International
Rabobank’s international market niche is food- & agri business
Customer Network: many of the global food companies
Expertise: dedicated research team (80 professionals)
Agri products: weather derivatives, price hedging instruments
Rural retail banks in various countries

Rabobank Development

Rabobank Development
Eligible banks:
Developing (low income) economies
Economic, political and social stability
Rural area and agricultural sector important for economy
Open for foreign investments
Safe for our staff

Rabobank Partner Banks

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.

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

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

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

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

Mobile Payments & Banking - NACHA Global Payments Forum

by Dan Armstrong on Feb 21, 2010

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