Mobey Forum - Case Study: Banking the Banked with NMB Mobile


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Case Study: Banking the Banked with NMB Mobile (Learning from Rabo Mobiel)

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Mobey Forum - Case Study: Banking the Banked with NMB Mobile

  1. 2. 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 for Local Banks, Leden and Customers </li></ul>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 & Usability - Encryption, Mobile Business Rules - Mobile Low-Value Payments - Standards, Retail/Consumer Acceptance, Security, Sustainability
  2. 3. Rabobank GSM MVNO & Value-Added Bank Product <ul><li>Great Mobile Telecommunications Product – top-quality services, bundles or bundle-free, unlimited internet, competitive tariffs, SMS packages, MKB offers </li></ul><ul><li>Core Rabobank Values - trust, security, quality, easy-to-use services, cooperative value </li></ul><ul><li>Online Self-Care Environment </li></ul><ul><li>Commitment to innovation - core asset for differentiation is Mobile Financial Services </li></ul><ul><li>Secure mobile banking </li></ul>
  3. 4. Mobile Innovations Projects 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) Customer bank account
  4. 5. Mobile Innovations Projects NFC Mobile Ticketing: Diergaarde Blijdoorp (2008-09) NFC Fietsenstalling : Eindhoven, Tilburg (2008-09) Rabobank Rotterdam NFC Cashless Schools : kassa’s and vending, ASH, HHS/Redbird (2007-09) NFC Cantina Trials & Roll-Out: Carian/MiniTix (2008-09) NFC Vending Trials: Coca-Cola, FEBO (2007-08) NFC Mobile Domestic Debit Card and Shopping Tool: C1000 (2007-08)
  5. 6. Mobile Innovations Projects Mobile Health: Stichting Diabeter, Health Agency, Achmea (2008-09) Mobile Terrace Payments: MyOrder @ various locations (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)
  6. 7. Mobielbankieren <ul><li>Mobielbankieren enables transfers to known parties and payments up to €50.000 with Random Reader </li></ul><ul><li>Saldo Direkt provides 1-click account balances on all your accounts </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>SMS SMS WAP WAP WAP IVR WAP WEB
  7. 11. Case Study: NMB mobile <ul><li>NMB: National Microfinance Bank Ltd. (Tanzania) </li></ul><ul><li>1,3 mln customers </li></ul><ul><li>Consumer and small-business focused </li></ul><ul><ul><li>Dedicated to providing sustainable, viable access and direct financial services. </li></ul></ul><ul><ul><li>Proud of our history of support for Tanzanians of all income levels, government and businesses. </li></ul></ul><ul><li>Close By </li></ul><ul><ul><li>Extensive network with 130+ branch locations and 200+ ATMs nation-wide. </li></ul></ul><ul><ul><li>Branch network designed to cover minimally 80% of Tanzanian districts. </li></ul></ul><ul><li>Empowering Entrepreneurs </li></ul><ul><ul><li>Paying special attention to micro, small/medium-sized and rural business. </li></ul></ul><ul><ul><li>Tanzanian agriculture is close to our heart (KILIMO KWANZA). We play a roll in all parts of the supply chain. </li></ul></ul>
  8. 14. NMB mobile <ul><li>Easy-to-use NMB mobile banking and payments for all NMB customers (USSD) </li></ul><ul><li>Features the most desired consumer applications: </li></ul><ul><ul><li>Balance Inquiry </li></ul></ul><ul><ul><li>Mini-Statement </li></ul></ul><ul><ul><li>Money transfers to any NMB account </li></ul></ul><ul><ul><li>Tanesco Luku Prepaid Electricity Purchase </li></ul></ul><ul><ul><li>Vodacom and ZAIN Prepaid Airtime Top-Up </li></ul></ul><ul><ul><li>NMB Services like ATM card block, settings </li></ul></ul><ul><li>Works with NMB Personal Account, TPDF Account, Student Account, Wisdom Account </li></ul><ul><li>Simply dial *155*66# to access </li></ul><ul><li>No need to fill-in forms or visit an NMB branch to sign-up, simply dial *155*66*123# </li></ul>NMB mobile 1. Balance Enquiry 2. Mini-Statement 3. Money Transfer 4. Prepaid Services 5. Other Services 6. Help
  9. 17. Thank You! Dan Armstrong Takashi Mobile [email_address] +31 652 085 071