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Dan Armstrong @ Immovator Cross Media Café


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Brief presentation on innovations and banking applications Rabobank and Rabo Mobiel have been working on in 2007-09

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Dan Armstrong @ Immovator Cross Media Café

  1. 1. Rabo Mobiel B.V. Rabobank Nederland Cross Media Café Mobiele Media Dan Armstrong (10 februari 2009) De Bank in je Broekzak Rabo Mobiel as accelerator for a new form of bank media and customer interactivity.
  2. 2. <ul><li>Telephony </li></ul><ul><ul><li>Cheap (SIM only, large bundles, no-frills, VoIP) </li></ul></ul><ul><ul><li>Target segments (youth, minorities, cheap international destinations) </li></ul></ul><ul><ul><li>Cheap roaming (multi-IMSI, international players) </li></ul></ul><ul><li>Leverage point-of-sales locations or distribution </li></ul><ul><ul><li>Existing telecommunications retailers </li></ul></ul><ul><ul><li>Strong retailers in other branches </li></ul></ul><ul><ul><li>Alternate distribution channels </li></ul></ul><ul><li>Reinforce core business in other areas </li></ul><ul><li>Leverage powerful brand </li></ul><ul><li>M2M/network utilisation </li></ul>Some MVNO models
  3. 3. What is Rabo Mobiel? <ul><li>Great Mobile Telecommunications Product </li></ul><ul><li>Core Rabobank Values - trust, security, quality, easy-to-use services, cooperative value </li></ul><ul><li>Independent company - for speed, innovation, customer experience trials </li></ul><ul><li>Online Self-Care Environment </li></ul><ul><li>Secure mobile banking </li></ul><ul><li>Commitment to innovation - core asset for differentiation is Mobile Financial Services </li></ul>
  4. 4. Rabobank GSM MVNO - Telecommunications Services (voice, SMS, VAS, Prepaid/Postpaid, MKB) - Mobile Internet Access (GPRS, UMTS, HSDPA), Portals and Self-Care <ul><li>Value-Added Bank Product - Banking “On the Go” </li></ul><ul><li>Premium Product / Combination </li></ul><ul><li>Communications Channel to, From and between (Local Banks, Leden, Customers) </li></ul>Mobile Incubator - Product/Business Development for Mobile Financial Services and Products - Launch of Remote/Contactless Payments, Partnerships, Applications Mobile Kenniscentrum - Encryption, Mobile Business Rules - Mobile Low-Value Payments - Standards, Retail/Consumer Acceptance, Security, Sustainability
  5. 5. “ Issuer-centric” world  “customer-centric” world? Customer needs to go to the bank, request PIN pass, credit cards, changes… Travel to NS for an OV-chipkaart, apply for personalised OV-chipkaart… Pick up loyalty cards at supermarkets and retail locations Different cards, chips for different services… Office Entrance 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… Rabo Schoolbank Public Transport Debit Card Sport Pass Loyalty Credit Cards Member- ship
  6. 6. Rabobank banking and payment innovation 1980 1990 2000 2010 1981 – First ATM in NL 1986 – Pin Retail PoS 1989 – Telebanking 1994 – 1st web portal 1995 – “Rabofoon” IVR Banking 1996 – Internetbankieren launched 1999 – 1st bank WAP site launched ( 2003 – Mobielbankieren on i-Mode 2004 – Mobielbankieren launched on Vodafone Live!, Orangeworld, T-zones 2004 – MiniTix Online Launched 2007 – MiniTix SMS 2006 – Open Mobile Internet (OMI) programme launched 2006 – Rabo Mobile launched (world’s first bank MVNO) 2007 – Rabobank / Rabo Mobiel NFC Trials Kick-Off 2008 – Mobielbankieren up to €50k (RR) 2009 – NFC Payments Roll-Out 2008 – SMS Betalen Launched 2005 – Rabo tv 2007 – Rabo Schoolbank NFC Cashless Schools 2006 2007 2008 Postpaid Launch Launch of Segment Packages NFC Trials: Coca-Cola, FEBO Prepaid Launch C1000 NFC Trial 30 Banks Online Diergarde Blijdorp NFC Ticketing Retail Launch Postpaid Retail Launch Orange -> KPN 180k + customers 100k + customers 120 Banks Online SMS Betalen Launch AH To-Go Trial MyOrder Terrace Betalen MIB 6.0 (OMI) MIB 4.1 (RR) Senioren Youth MKB/ZZP Rabo Mobiel B.V.
  7. 7. A few trials and products 2007-2009 1 2 3 4 5 6 7 8 9 10 12 11 13
  8. 8. Mobile as a remote control for your financial life <ul><li>Mobielbankieren enables transfers to known parties and payments up to €50.000 with Random Reader </li></ul><ul><li>Saldo Checker provides 1-click account balances on all your accounts (Dec) </li></ul><ul><li>Rabofoon telephone banking (IVR) </li></ul><ul><li>SMS Alerts for banking, transfers, payments, telco spending alerts </li></ul><ul><li>Mijn Mobiel telecommunications spending alerts, history and invoices </li></ul><ul><li>Rabo Financial Services Portal with financial services info., current stocks and financial news </li></ul><ul><li>Mobiel Parkeren in 19 NL cities </li></ul>Rabo Mobiel portal Mobielbankieren SMS SMS WAP WAP WAP IVR WAP WEB SMS IVR Saldo Checker (Jan 09)
  9. 9. Mobile as payment device: SMS Betalen <ul><li>SMS Betalen was designed for P2P and merchants payments – directly to your mobile number </li></ul><ul><li>Bank-independent and operator-independent payments for small and medium-sized transactions, based on MiniTix </li></ul><ul><li>Automatic top-up , transferring money back to personal bank account </li></ul><ul><li>Downloadable SMS Betelan Java Application for easy balance and transfer checks, sending money to friends, and a mobile shop that enables merchant content </li></ul>
  10. 10. SMS Betalen iPhone application
  11. 11. <ul><li>Dan Armstrong, CTO </li></ul><ul><li>Rabo Mobiel B.V. </li></ul><ul><li>Oosterdok 2 </li></ul><ul><li>1011 VX Amsterdam </li></ul><ul><li>The Netherlands </li></ul><ul><li>[email_address] </li></ul><ul><li> </li></ul><ul><li> </li></ul>