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Rabobank / Rabo Mobiel<br />The convergence of Banking and telecommunications<br />Chrisjan de Weerd, Rabo Mobiel B.V.<br />
About Rabobank / Rabo Mobiel<br />Rabobank<br />NL: 3,7 mln internet banking customers, 7 mln customers overall (~50% cons...
NL Mobile Marketplace (2009) – many choices<br />Telecombination<br />
Rabo Mobiel in the Marketplace<br />
What do you get with Rabo Mobiel?<br />Great Mobile Telecommunications Product – top-quality services, bundles or bundle-f...
What does Rabo Mobiel mean for the Rabobank?<br />1. Strategic BankProduct & Channel<br />2. MobileBanking<br />3. MobileP...
Rabobank Banking & Payment Innovation<br />2006 – Open Mobile Internet (OMI) programme launched<br />2006 – Rabo Mobile la...
Mobile as Remote Control for your Financial Life<br />	Mobielbankieren enables transfers to known parties and payments up ...
NFC Trial and C1000 - “Pinnen met je mobiel”, etc.<br />Successful trial of contactless PIN (NL direct debit) from Aug 200...
NFC Entrance<br />NFC ticketing programme kicked-off with partners WheretoCard and Yoonison in February 2008<br />When ord...
MiniTix 2008<br />MiniTix (available since 2004-06)<br />One-click payments<br />Simple authentication<br />Payments to €1...
Coca-Cola and FEBO NFC Vending Trials<br />Proof-of-concept programme for NFC payment for soft drinks using MiniTix <br />...
Cashless Schools<br />2007-08 trial programme for cashless schools with various schools and partners: highly successful<br...
Mobile as Payment Device: SMS Betalen<br />SMS Betalenwasdesignedfor P2P and merchants payments – directly to your mobile ...
SMS Betalen iPhone application <br />
What are others doing with MiniTix?<br />Albert Heijn To-Go Mobiel Betalen Trial (MiniTix)<br />IT IS MyOrder Mobile Payme...
What are others doing with MiniTix?<br />Canon Koppeling met MiniTix<br />IT IS MyOrder Mobile Payments on Bioscoopkaartje...
CashlessOmgevingen, Carian en SMS betalen<br />NFC Sleutelhanger<br />NFC Sticker<br />Sportkantines<br />Customer bank ac...
Rabo Mobiel NFC Product Rollout Strategy<br />2007-09<br />TRIALS / FIRST PRODUCTS<br />banking<br />mobile<br />loyalty<b...
NFC Handsets<br />GMSA statement in 11/2008 @ GSM World Asia on NFC and SWP means a lot.  Why was there no serious industr...
Will the current “issuer-centric” world become a “customer-centric” world?<br />Rabo Mobiel wants to move customers themse...
TSM Key Management<br />TSM Key Management<br />TSM OTA<br />MNO<br />Service Provider<br />The “Trusted Service Manager” ...
Mobile Transactions in the Future?<br />1. USABILITY?<br />       - cross-platform<br />       - NFC behaviour<br />2. SEC...
Thank you!<br />Chrisjan de Weerd<br />Rabo Mobiel B.V.<br />Oosterdok 2<br />1011 VX Amsterdam<br />The Netherlands<br />...
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2009.10.01 Rabo Mobiel Latest

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Alle ontwikkelingen van Rabo Mobiel op het gebied van Mobiel Bankieren, Mobiel Betalen, NFC Betalen, NFC toegang, Mobiel Ticketing op een rijtje.

All developmenet of Rabo Mobiel ie Mobile Banking, Mobile Payments, NFC Payments, NFC access, Mobile Ticketing in 1 summary.

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2009.10.01 Rabo Mobiel Latest

  1. 1. Rabobank / Rabo Mobiel<br />The convergence of Banking and telecommunications<br />Chrisjan de Weerd, Rabo Mobiel B.V.<br />
  2. 2. About Rabobank / Rabo Mobiel<br />Rabobank<br />NL: 3,7 mln internet banking customers, 7 mln customers overall (~50% consumer market share)<br />1400 local banks<br />NL population: 16,5 mln<br />Strong loyalty, broad national customer coverage, key segments: consumers and small business<br />Tradition of innovation<br />AAA rating (Moody&apos;s, Standard & Poor&apos;s), top-15 world financial institution<br />Rabo Mobiel<br />Started in summer 2005, market launch in November 2006<br />Postpaid/prepaid, ZZP, all customer segments, regions.<br />2 Roles: MVNO and Mobile Financial Services Incubator<br />
  3. 3. NL Mobile Marketplace (2009) – many choices<br />Telecombination<br />
  4. 4.
  5. 5. Rabo Mobiel in the Marketplace<br />
  6. 6. What do you get with Rabo Mobiel?<br />Great Mobile Telecommunications Product – top-quality services, bundles or bundle-free, unlimited internet, competitive tariffs, SMS packages, MKB offers<br />Core Rabobank Values - trust, security, quality, easy-to-use services, cooperative value<br />Online Self-Care Environment<br />Commitment to innovation - core asset for differentiation is Mobile Financial Services<br />Independent company - for speed, innovation, customer experience trials<br />Secure mobile banking<br />
  7. 7. What does Rabo Mobiel mean for the Rabobank?<br />1. Strategic BankProduct & Channel<br />2. MobileBanking<br />3. MobilePayments<br />
  8. 8. Rabobank Banking & Payment Innovation<br />2006 – Open Mobile Internet (OMI) programme launched<br />2006 – Rabo Mobile launched (world’s first bank MVNO)<br />2007 – Rabo Schoolbank NFC Cashless Schools<br />1981 – First ATM in NL<br />2007 – Rabobank / Rabo Mobiel NFC Trials Kick-Off<br />1994 – 1st web portal www.tref.nl<br />2008 – Mobielbankieren up to €50k (RR)<br />1986 – Pin Retail PoS<br />1996 – Internetbankieren launched<br />2008 – NFC Payments Roll-Out<br />1989 – Telebanking<br />1980<br />1990<br />2000<br />2010<br />2008 – SMS Betalen Launched<br />1995 – “Rabofoon” IVR Banking<br />2007 – MiniTix SMS<br />1999 – 1st bank WAP site launched (mmm.rabobank.nl)<br />2005 – Rabo tv<br />2003 – Mobielbankieren on i-Mode<br />2004 – Mobielbankieren launched on Vodafone Live!, Orangeworld, T-zones<br />2004 – MiniTix Online Launched<br />
  9. 9. Mobile as Remote Control for your Financial Life<br /> Mobielbankieren enables transfers to known parties and payments up to €50.000 with Random Reader<br /> Saldo Direkt provides 1-click account balances on all your accounts (Dec)<br /> Rabofoon telephone banking (IVR)<br /> SMS Alerts for banking, transfers, payments, telco spending alerts <br /> Mijn Mobiel telecommunications spending alerts, history and invoices <br /> Rabo Financial Services Portal with financial services info., current stocks and financial news<br /> Mobiel Parkeren in 19 NL cities<br />Mobielbankieren<br />WAP<br />Rabo Mobiel portal<br />WAP<br />IVR<br />SMS<br />SMS<br />WAP<br />WAP<br />WEB<br />SMS<br />IVR<br />new mobiel fietsenstalling programme, Q1 2009<br />
  10. 10. NFC Trial and C1000 - “Pinnen met je mobiel”, etc.<br />Successful trial of contactless PIN (NL direct debit) from Aug 2007- Feb 2008<br />Payment with mobile phone (Samsung x700); storage of value of recycled materials on the phone – save your money, spend it or donate it.<br />Proven consumer acceptance/trust a mobile as secure debit card replacement.<br />Though handset were given for free, what if the consumer had to pay Euro 150??<br />
  11. 11. NFC Entrance<br />NFC ticketing programme kicked-off with partners WheretoCard and Yoonison in February 2008<br />When ordering, customers can use their NFC handset in place of a paper (barcode) or NFC ticket<br />Smart-postering NFC tags provide extra information while visiting the zoo<br />Rotterdam<br />
  12. 12. MiniTix 2008<br />MiniTix (available since 2004-06)<br />One-click payments<br />Simple authentication<br />Payments to €150<br />System for basically Low Value Payments (LPV)<br />Automatic upload, customer sets all alerts, settings, etc.<br />Connection with current bank account<br />Works with all Dutch bank accounts and all Mobile Operators<br />Customer bank account<br />
  13. 13. Coca-Cola and FEBO NFC Vending Trials<br />Proof-of-concept programme for NFC payment for soft drinks using MiniTix <br />Partners: Capgemini, Coca-Cola, Rabo Mobiel, Yoonison, MiniTix<br />Running from April 2007 – April 2008, 30 locations nation-wide<br />Proof-of-concept ‘Kroketjeuit de muur’ met je telefoon, Oct-Nov 2007 Capgemini, FEBO and Mertens Group<br />MiniTix NFC trial in Amsterdam (NFC mobile phones, cards)<br />Proof-of-concept programme to explore cash management, saves coin traffic, fraud management<br />
  14. 14. Cashless Schools<br />2007-08 trial programme for cashless schools with various schools and partners: highly successful<br />Roll-out to 1.500 students, teachers and parents in Sep 2008 (MiniTix NFC cards, Noki1 6131/6212 mobile phones)<br />Services include NFC payments in the cantina, vending, NFC entrance control and NFC lockers<br />
  15. 15. Mobile as Payment Device: SMS Betalen<br />SMS Betalenwasdesignedfor P2P and merchants payments – directly to your mobile number<br />Bank-independent and operator-independent payments for small and medium-sized transactions, based on MiniTix<br />Automatic top-up, transferring money back to personal bank account<br />Downloadable SMS Betalen Java Application for easy balance and transfer checks, sending money to friends, and a mobile shop that enables merchant content<br />
  16. 16. SMS Betalen iPhone application <br />
  17. 17. What are others doing with MiniTix?<br />Albert Heijn To-Go Mobiel Betalen Trial (MiniTix)<br />IT IS MyOrder Mobile Payments on Terraces – Groningen (MiniTix)<br />MiniTix Conctactless schools, kantina’s, stadiums<br />Online Payment Partners and Service Providers (MiniTix)<br />SMS Betalen Java Shop Development (MiniTix)<br />
  18. 18. What are others doing with MiniTix?<br />Canon Koppeling met MiniTix<br />IT IS MyOrder Mobile Payments on Bioscoopkaartjes – Groningen (MiniTix)<br />MiniTix Conctactless schools, kantina’s, stadiums<br />Online Payment Partners and Service Providers (MiniTix)<br />SMS Betalen Java Shop Development (MiniTix)<br />
  19. 19. CashlessOmgevingen, Carian en SMS betalen<br />NFC Sleutelhanger<br />NFC Sticker<br />Sportkantines<br />Customer bank account<br />NFC Telefoon <br />Rabo Mobiel<br />NFC Kassa<br />PIN Terminal t.b.v. MiniTix aanmakem en opladen<br />NFC Pas<br />Scholen<br />
  20. 20. Rabo Mobiel NFC Product Rollout Strategy<br />2007-09<br />TRIALS / FIRST PRODUCTS<br />banking<br />mobile<br />loyalty<br />publictransport<br />retail<br />ticketing<br />Question: What role doe mobile operators or banks want to play in brokering a customers’ identity?<br />Establish a federation model? Include major players in key B2C sectors:<br />Note: All this can’t be only technology-led … consumers must get benefit, receive logistic value and cost savings.<br />2007-08:<br />FULLY-INTEGRATED<br />2009-10<br />INTEGRATION WITH PRODUCTS AND PARTNERSHIPS<br />2010-12<br />FULL NFC PRODUCTS + COMPLETEINTEGRATION WITH PARTNERS<br />Warning:Credit Crisis<br />we are a bank... <br />Utilise lessons learned & successes to move into larger collaborations / partnerships.<br />2009-10<br />PRODUCT ROLL-OUT OPPORTUNITIES, EMERGING STANDARDS, CONSUMER SUCCESS<br />STAND-ALONE<br />TRIAL<br />FULL PRODUCT LAUNCH<br />Utilise trials to define the business case for full product roll-outs & partnerships.<br />
  21. 21. NFC Handsets<br />GMSA statement in 11/2008 @ GSM World Asia on NFC and SWP means a lot. Why was there no serious industry reaction to it? <br />3GSM in Barcelona in 03/2009 means a lot. NFC was basically invisible and not on any handset manufacturer’s roadmap<br />Nokia’s announcements @ WIMA in 04/2009 mean a lot. But the 6218 is one handset, but we need 30-40 handset models minimum to start momentum in GSM. What’s the story with the models, other manufacturers?<br />Nice one  : “I want to be clear about this, mobile operators will not buy mobile phones that banks specify. They will buy mobile phones that they specify.” (GSMA member @ GSM World Asia, 11/2008)<br />For service providers taking NFC seriously, GSM has both benefits and drawbacks.<br />
  22. 22. Will the current “issuer-centric” world become a “customer-centric” world?<br />Rabo Mobiel wants to move customers themselves to the centre of the card ecosystem. A connected device, card/ID with a screen and keyboard can help do that…<br />Customer needs to go to the bank, request PIN pass, credit cards, changes… <br />DebitCard<br />OfficeEntrance<br />Credit Cards<br />Travel to NS for an OV-chipkaart, apply for personalised OV-chipkaart…<br />Different cards, chips for different services… <br />PublicTransport<br />Rabo<br />Schoolbank<br />Member-ship<br />Loyalty<br />SportPass<br />Pick up loyalty cards at supermarkets and retail locations<br />
  23. 23. TSM Key Management<br />TSM Key Management<br />TSM OTA<br />MNO<br />Service Provider<br />The “Trusted Service Manager” ?<br />Service Provider<br />Service Provider<br />TSM Key Management<br />OTA<br />TSM Key Management<br />OTA<br />TSM Key Management<br />TSM OTA<br />MNO<br />Service Provider<br />Service Provider<br />Service Provider<br />TSM Key Management<br />TSM Key Management<br />TSM OTA<br />MNO<br />Service Provider<br />PIN<br />Service Provider<br />
  24. 24. Mobile Transactions in the Future?<br />1. USABILITY?<br /> - cross-platform<br /> - NFC behaviour<br />2. SECURE TRANSATION KEYS?<br />3. HARDWARE SECURE ELEMENT?<br /> - UICC (SIM card)<br /> - hardware<br /> - removable memory card<br />4. SEPA<br />NL Menu<br />PIN<br />Menu<br />Back<br />Info<br />
  25. 25. Thank you!<br />Chrisjan de Weerd<br />Rabo Mobiel B.V.<br />Oosterdok 2<br />1011 VX Amsterdam<br />The Netherlands<br />chrisjan.deweerd@rabomobiel.nl<br />http://www.rabomobiel.nl/innovaties<br />http://www.youtube.com/RaboMobielNFC<br />
  26. 26. Some Challenges<br />In NL, electronic payments are a mature model. 98% debit card penetration, ubiquitous usage and availability, low cost<br />Do consumers identify the NFC phone as a payment device?<br />Weaknesses in mobile and banking industries applicable.<br />Rabobank’s brand / trust critical to protect. Bank = perception of trust<br />“Security” is always a balance between high levels of protection and usability.<br />Mobile security will never match secure, tamper-evident devices.<br />Authorisation<br />Authentication Method<br />Medium<br />All financial services<br />Passport, Driver’s Licence + Bank Pass<br />Physical Person<br />Large amount of financial services (includes signing)<br />Offline Token (Random Reader) + Bank Pass + knowledge (PIN)<br />Television and PC<br />Even more financial services online, or via mobile internet<br />Random Reader + Debit Card + knowledge (PIN)<br />Internet Banking<br />Subset of financial services (authorisation)<br />Online Authentication (various GSM/IP) + knowledge (TIN)<br />Mobile Phone (browser)<br />Subset of financial services (authorisation)<br />Knowledge (TIN)<br />Mobile Phone (IVR)<br />

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