Successfully reported this slideshow.
We use your LinkedIn profile and activity data to personalize ads and to show you more relevant ads. You can change your ad preferences anytime.

Future of Web 2.0 - talk, 22 September 2009


Published on

slides from the talk at The Future of Web 2.0 Meetup - Amsterdam, 22 September 2009 (Smart Project Space, Amsterdam)

  • Be the first to comment

Future of Web 2.0 - talk, 22 September 2009

  1. 1. Dan Armstrong – The Future of Web 2.0, 22 September 2009<br />Some thoughts on internet access, banking and payments innovations<br />
  2. 2. Rabobank GSM MVNO- Telecommunications Services (voice, SMS, VAS, Prepaid/Postpaid, MKB)<br />- Mobile Internet Access (GPRS, UMTS, HSDPA), Portals and Self-Care<br />Value-Added Bank Product- Banking “On the Go” <br /><ul><li> Premium Product / Combination
  3. 3. Communications Channel for Local Banks, Leden and Customers</li></ul>Mobile Incubator- Product/Business Development for Mobile Financial Services and Products<br />- Launch of Remote and Contactless Payments and Partnerships<br />Mobile Knowledge Centre- NFC, Consumer Behaviour & Usability- Encryption, Mobile Business Rules<br />- Mobile Low-Value Payments<br />- Standards, Retail/Consumer Acceptance, Security, Sustainability<br />
  4. 4. Some examples of MVNO Models<br />Telephony<br />Cheap (SIM only, large bundles, no-frills, VoIP)<br />Target segments (youth, minorities, cheap intl. destinations)<br />Cheap roaming (multi-IMSI, international players)<br />Leverage point-of-sales locations or distribution<br />Existing telecommunications retailers<br />Strong retailers in other branches<br />Alternate distribution channels<br />Leverage powerful brand<br />Reinforce core business in other areas<br />M2M/network utilisation<br />
  5. 5. Rabobank GSM MVNO & Value-Added Bank Product<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 />Secure mobile banking<br />
  6. 6. Rabo Mobiel as “Incubator & Knowledge Centre”<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<br />2008 – Mobielbankieren up to €50k (RR)<br />1986 – Pin Retail PoS<br />1996 – Internetbankieren launched<br />2009 – 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 (<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 />Rabo Mobiel B.V.<br />2006<br />2007<br />2008<br />Postpaid Launch<br />Prepaid Launch<br />30 Banks Online<br />Orange -&gt; KPN<br />120 Banks Online<br />MIB 6.0 (OMI)<br />MIB 4.1 (RR)<br />SMS Betalen Launch<br />Launch of Segment Packages<br />C1000 NFC Trial<br />Diergarde Blijdorp NFC Ticketing<br />MyOrder Terrace Betalen<br />MKB/ZZP<br />Youth<br />Postpaid Retail Launch<br />NFC Trials: Coca-Cola, FEBO<br />180k + customers<br />Senioren<br />Retail Launch<br />100k + customers<br />AH To-Go Trial<br />
  7. 7. MiniTix Online (2004-06), MiniTix SMS (2007), SMS Betalen(2008), MiniTix NFC (2008-09)<br />SMS Betalen: Launch of P2P payments directly to/from MSISDNs, Java midlets, iPhone application, online website, MiniTix Merchants (2008)<br />Mobile Innovations Projects<br />Customer bank account<br />
  8. 8. NFC Mobile Ticketing: DiergaardeBlijdoorp (2008-09)NFC Fietsenstalling: Eindhoven, Tilburg (2008-09)<br />Mobile Innovations Projects<br />NFC Cashless Schools: kassa’s and vending, ASH, HHS/Redbird (2007-09)NFC Cantina Trials & Roll-Out: Carian/MiniTix (2008-09)<br />RabobankRotterdam<br />NFC Vending Trials: Coca-Cola, FEBO (2007-08)<br />NFC Mobile Debit Card and Shopping Tool: C1000 (2007-08)<br />
  9. 9. Mobile Terrace Payments: MyOrder @ various locations (2008-09)<br />Mobile Health: StichtingDiabeter, Health Agency, Achmea (2008-09)<br />Mobile Innovations Projects<br />Albert Heijn To-Go NFC Shopping: Amsterdam Amstel (2008-09)<br />MiniTix Mobile Merchants: SMS Betalen Java Midlet (2008-09)<br />Mobile Parking: Park-Line (2007)Rekeningrijden: with Rabobank (2008-09)<br />
  10. 10. Mobielbankieren<br />Mobielbankieren enables transfers to known parties and payments up to €50.000 with Random Reader<br />SaldoDirekt provides 1-click account balances on all your accounts<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 />WAP<br />WAP<br />IVR<br />SMS<br />SMS<br />WAP<br />WAP<br />WEB<br />
  11. 11. Will the current “issuer-centric” world become a “customer-centric” world?<br />Example: NFC<br />DebitCard<br />Customer needs to go to the bank, request PIN pass, credit cards, changes… <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 />Do consumers want this?<br />
  12. 12. Disintermediation of the trusted applications provider<br />Perhaps these are not the right questions? Is access relevant? Today’s smartphones both:<br />facilitate user-generated content and the presentation/access layer<br />centralise the role of (secure) applications provision and payments; local/national players will struggle to combine access and content.<br />1.0 ?<br />2.0 ?<br />... Ahem. What about the developing world?<br />
  13. 13.
  14. 14.
  15. 15.
  16. 16. Case Study: NMB mobile<br />NMB: National Microfinance Bank Ltd. (Tanzania)<br />1,3 mln customers<br />Consumer and small-business focused<br />Dedicated to providing sustainable, viable access and direct financial services.<br />Proud of our history of support for Tanzanians of all income levels, government and businesses.<br />Close By<br />Extensive network with 130+ branch locations and 200+ ATMs nation-wide.<br />Branch network designed to cover minimally 80% of Tanzanian districts.<br />Empowering Entrepreneurs<br />Paying special attention to micro, small/medium-sized and rural business.<br />Tanzanian agriculture is close to our heart (KILIMO KWANZA). We play a roll in all parts of the supply chain.<br />
  17. 17.
  18. 18.
  19. 19. Case Study: NMB mobile<br />Easy-to-use NMB mobile banking and payments for all NMB customers<br />Features the most desired consumer applications:<br />Balance Inquiry<br />Mini-Statement<br />Money transfers to any NMB account<br />TanescoLuku Prepaid Electricity Purchase<br />Vodacom and ZAIN Prepaid Airtime Top-Up<br />NMB Services like ATM card block, settings<br />Works with NMB Personal Account, TPDF Account, Student Account, Wisdom Account<br />Simply dial *155*66# to access<br />No need to fill-in forms or visit an NMB branch to sign-up, simply dial *155*66*123#<br />NMB mobile<br />1. Balance Enquiry <br />2. Mini-Statement<br />3. Money Transfer<br />4. Prepaid Services<br />5. Other Services<br />6. Help <br />
  20. 20.
  21. 21. Thank You!<br />Dan Armstrong<br />Takashi Mobile<br /><br />+31 652 085 071<br />