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Future of Web 2.0 - talk, 22 September 2009



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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 />
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  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 />
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  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 />
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  21. 21. Thank You!<br />Dan Armstrong<br />Takashi Mobile<br /><br />+31 652 085 071<br />