Rabobank's Rabo Mobiel, launched in 2006, combines banking and telecommunications by offering mobile financial services and acting as a mobile virtual network operator (MVNO). The initiative focuses on customer-friendly offerings like mobile banking, NFC payments, and digital self-service, aiming for innovation in the banking sector. Alongside various trials and features, Rabobank emphasizes the importance of consumer trust and secure transactions in its mobile services.

1. Rabobank / Rabo MobielThe convergence of Banking and telecommunicationsChrisjan de Weerd, Rabo Mobiel B.V.

2. About Rabobank / Rabo MobielRabobankNL: 3,7 mln internet banking customers, 7 mln customers overall (~50% consumer market share)1400 local banksNL population: 16,5 mlnStrong loyalty, broad national customer coverage, key segments: consumers and small businessTradition of innovationAAA rating (Moody's, Standard & Poor's), top-15 world financial institutionRabo MobielStarted in summer 2005, market launch in November 2006Postpaid/prepaid, ZZP, all customer segments, regions.2 Roles: MVNO and Mobile Financial Services Incubator

3. NL Mobile Marketplace (2009) – many choicesTelecombination

5. Rabo Mobiel in the Marketplace

6. What do you get with Rabo Mobiel?Great Mobile Telecommunications Product – top-quality services, bundles or bundle-free, unlimited internet, competitive tariffs, SMS packages, MKB offersCore Rabobank Values - trust, security, quality, easy-to-use services, cooperative valueOnline Self-Care EnvironmentCommitment to innovation - core asset for differentiation is Mobile Financial ServicesIndependent company - for speed, innovation, customer experience trialsSecure mobile banking

7. What does Rabo Mobiel mean for the Rabobank?1. Strategic BankProduct & Channel2. MobileBanking3. MobilePayments

8. Rabobank Banking & Payment Innovation2006 – Open Mobile Internet (OMI) programme launched2006 – Rabo Mobile launched (world’s first bank MVNO)2007 – Rabo Schoolbank NFC Cashless Schools1981 – First ATM in NL2007 – Rabobank / Rabo Mobiel NFC Trials Kick-Off1994 – 1st web portal www.tref.nl2008 – Mobielbankieren up to €50k (RR)1986 – Pin Retail PoS1996 – Internetbankieren launched2008 – NFC Payments Roll-Out1989 – Telebanking19801990200020102008 – SMS Betalen Launched1995 – “Rabofoon” IVR Banking2007 – MiniTix SMS1999 – 1st bank WAP site launched (mmm.rabobank.nl)2005 – Rabo tv2003 – Mobielbankieren on i-Mode2004 – Mobielbankieren launched on Vodafone Live!, Orangeworld, T-zones2004 – MiniTix Online Launched

9. Mobile as Remote Control for your Financial Life Mobielbankieren enables transfers to known parties and payments up to €50.000 with Random Reader Saldo Direkt provides 1-click account balances on all your accounts (Dec) Rabofoon telephone banking (IVR) SMS Alerts for banking, transfers, payments, telco spending alerts Mijn Mobiel telecommunications spending alerts, history and invoices Rabo Financial Services Portal with financial services info., current stocks and financial news Mobiel Parkeren in 19 NL citiesMobielbankierenWAPRabo Mobiel portalWAPIVRSMSSMSWAPWAPWEBSMSIVRnew mobiel fietsenstalling programme, Q1 2009

10. NFC Trial and C1000 - “Pinnen met je mobiel”, etc.Successful trial of contactless PIN (NL direct debit) from Aug 2007- Feb 2008Payment with mobile phone (Samsung x700); storage of value of recycled materials on the phone – save your money, spend it or donate it.Proven consumer acceptance/trust a mobile as secure debit card replacement.Though handset were given for free, what if the consumer had to pay Euro 150??

11. NFC EntranceNFC ticketing programme kicked-off with partners WheretoCard and Yoonison in February 2008When ordering, customers can use their NFC handset in place of a paper (barcode) or NFC ticketSmart-postering NFC tags provide extra information while visiting the zooRotterdam

12. MiniTix 2008MiniTix (available since 2004-06)One-click paymentsSimple authenticationPayments to €150System for basically Low Value Payments (LPV)Automatic upload, customer sets all alerts, settings, etc.Connection with current bank accountWorks with all Dutch bank accounts and all Mobile OperatorsCustomer bank account

13. Coca-Cola and FEBO NFC Vending TrialsProof-of-concept programme for NFC payment for soft drinks using MiniTix Partners: Capgemini, Coca-Cola, Rabo Mobiel, Yoonison, MiniTixRunning from April 2007 – April 2008, 30 locations nation-wideProof-of-concept ‘Kroketjeuit de muur’ met je telefoon, Oct-Nov 2007 Capgemini, FEBO and Mertens GroupMiniTix NFC trial in Amsterdam (NFC mobile phones, cards)Proof-of-concept programme to explore cash management, saves coin traffic, fraud management

14. Cashless Schools2007-08 trial programme for cashless schools with various schools and partners: highly successfulRoll-out to 1.500 students, teachers and parents in Sep 2008 (MiniTix NFC cards, Noki1 6131/6212 mobile phones)Services include NFC payments in the cantina, vending, NFC entrance control and NFC lockers

15. Mobile as Payment Device: SMS BetalenSMS Betalenwasdesignedfor P2P and merchants payments – directly to your mobile numberBank-independent and operator-independent payments for small and medium-sized transactions, based on MiniTixAutomatic top-up, transferring money back to personal bank accountDownloadable SMS Betalen Java Application for easy balance and transfer checks, sending money to friends, and a mobile shop that enables merchant content

16. SMS Betalen iPhone application

17. What are others doing with MiniTix?Albert Heijn To-Go Mobiel Betalen Trial (MiniTix)IT IS MyOrder Mobile Payments on Terraces – Groningen (MiniTix)MiniTix Conctactless schools, kantina’s, stadiumsOnline Payment Partners and Service Providers (MiniTix)SMS Betalen Java Shop Development (MiniTix)

18. What are others doing with MiniTix?Canon Koppeling met MiniTixIT IS MyOrder Mobile Payments on Bioscoopkaartjes – Groningen (MiniTix)MiniTix Conctactless schools, kantina’s, stadiumsOnline Payment Partners and Service Providers (MiniTix)SMS Betalen Java Shop Development (MiniTix)

19. CashlessOmgevingen, Carian en SMS betalenNFC SleutelhangerNFC StickerSportkantinesCustomer bank accountNFC Telefoon Rabo MobielNFC KassaPIN Terminal t.b.v. MiniTix aanmakem en opladenNFC PasScholen

20. Rabo Mobiel NFC Product Rollout Strategy2007-09TRIALS / FIRST PRODUCTSbankingmobileloyaltypublictransportretailticketingQuestion: What role doe mobile operators or banks want to play in brokering a customers’ identity?Establish a federation model? Include major players in key B2C sectors:Note: All this can’t be only technology-led … consumers must get benefit, receive logistic value and cost savings.2007-08:FULLY-INTEGRATED2009-10INTEGRATION WITH PRODUCTS AND PARTNERSHIPS2010-12FULL NFC PRODUCTS + COMPLETEINTEGRATION WITH PARTNERSWarning:Credit Crisiswe are a bank... Utilise lessons learned & successes to move into larger collaborations / partnerships.2009-10PRODUCT ROLL-OUT OPPORTUNITIES, EMERGING STANDARDS, CONSUMER SUCCESSSTAND-ALONETRIALFULL PRODUCT LAUNCHUtilise trials to define the business case for full product roll-outs & partnerships.

21. NFC HandsetsGMSA statement in 11/2008 @ GSM World Asia on NFC and SWP means a lot. Why was there no serious industry reaction to it? 3GSM in Barcelona in 03/2009 means a lot. NFC was basically invisible and not on any handset manufacturer’s roadmapNokia’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?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)For service providers taking NFC seriously, GSM has both benefits and drawbacks.

22. Will the current “issuer-centric” world become a “customer-centric” world?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…Customer needs to go to the bank, request PIN pass, credit cards, changes… DebitCardOfficeEntranceCredit CardsTravel to NS for an OV-chipkaart, apply for personalised OV-chipkaart…Different cards, chips for different services… PublicTransportRaboSchoolbankMember-shipLoyaltySportPassPick up loyalty cards at supermarkets and retail locations

23. TSM Key ManagementTSM Key ManagementTSM OTAMNOService ProviderThe “Trusted Service Manager” ?Service ProviderService ProviderTSM Key ManagementOTATSM Key ManagementOTATSM Key ManagementTSM OTAMNOService ProviderService ProviderService ProviderTSM Key ManagementTSM Key ManagementTSM OTAMNOService ProviderPINService Provider

24. Mobile Transactions in the Future?1. USABILITY? - cross-platform - NFC behaviour2. SECURE TRANSATION KEYS?3. HARDWARE SECURE ELEMENT? - UICC (SIM card) - hardware - removable memory card4. SEPANL MenuPINMenuBackInfo

25. Thank you!Chrisjan de WeerdRabo Mobiel B.V.Oosterdok 21011 VX AmsterdamThe Netherlandschrisjan.deweerd@rabomobiel.nlhttp://www.rabomobiel.nl/innovatieshttp://www.youtube.com/RaboMobielNFC