Rabobank offers mobile banking and telecommunications services through its GSM MVNO and value-added bank products. Key offerings include mobile internet access, banking services on mobile devices, and using mobile as a communications channel between local banks and customers. Rabobank also operates mobile incubator and knowledge center projects that develop mobile financial products and research areas like NFC, consumer behavior, encryption, and mobile security standards.

2. Rabobank GSM MVNO Value Added
Value-Added Bank Product
- Telecommunications Services (voice, SMS, - Banking “On the Go”
VAS, Prepaid/Postpaid, MKB) - Premium Product / Combination
- Mobile Internet Access (GPRS, UMTS, HSDPA), - Communications Channel for Local Banks,
Portals and Self-Care Leden and Customers
Mobile Incubator Mobile Knowledge Centre
- NFC, Consumer Behaviour & Usability
- Product/Business Development for Mobile
- Encryption, Mobile Business Rules
Financial Services and Products
- Mobile Low-Value Payments
- Launch of Remote and Contactless Payments
- Standards, Retail/Consumer Acceptance,
and Partnerships
Security, Sustainability

3. Rabobank GSM MVNO & Value-Added Bank Product
Great Mobile Telecommunications
Product – top-quality services,
bundles or bundle-free, unlimited
internet, competitive tariffs, SMS
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packages, MKB offers
Core Rabobank Values - trust,
security, quality, easy-to-use
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services, cooperative value
Online Self-Care Environment
Self Care
Commitment to innovation - core
asset for differentiation is Mobile
Financial Services
Secure mobile banking

4. Mobile Innovations Projects
MiniTix Online (2004-06), MiniTix SMS (2007), SMS Betalen (2008), SMS Betalen: Launch of P2P payments directly to/from MSISDNs, Java
MiniTix NFC (2008-09) midlets, iPhone application, online website, MiniTix Merchants (2008)
Customer bank account

5. Mobile Innovations Projects
NFC Cashless Schools: kassa’s and vending, ASH, HHS/Redbird (2007-09) NFC Mobile Ticketing: Diergaarde Blijdoorp (2008-09)
NFC Cantina Trials & Roll-Out: Carian/MiniTix (2008-09) NFC Fietsenstalling : Eindhoven, Tilburg (2008-09)
Rab ob ank
Rot e rdam
t
NFC Mobile Domestic Debit Card and Shopping Tool: C1000 (2007-08) NFC Vending Trials: Coca-Cola, FEBO (2007-08)

6. Mobile Innovations Projects
Albert Heijn To-Go NFC Shopping: Amsterdam Amstel (2008-09) Mobile Terrace Payments: MyOrder @ various locations (2008-09)
MiniTix Mobile Merchants: SMS Betalen Java Midlet (2008-09) Mobile Health: Stichting Diabeter, Health Agency, Achmea (2008-09)
Mobile Parking: Park-Line (2007)
Rekeningrijden: with Rabobank (2008 09)
(2008-09)

7. Mobielbankieren
WAP Mobielbankieren enables transfers to
known parties and payments up to
€50.000 with Random Reader
WAP Saldo Direkt provides 1-click account
balances on all your accounts
IVR Rabofoon telephone banking (IVR)
SMS SMS Alerts for banking, transfers,
payments, telco spending alerts
SMS
WAP
Mijn Mobiel telecommunications spending
alerts, history and invoices
WAP
WEB
Rabo Financial Services Portal with
financial services info., current stocks and
financial news

11. Case Study: NMB mobile
NMB: National Microfinance Bank Ltd. (Tanzania)
1,3
1 3 mln customers
Consumer and small-business focused
• Dedicated to providing sustainable, viable access and direct
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financial services.
• Proud of our history of support for Tanzanians of all income levels,
government and businesses.
Close By
• Extensive network with 130+ branch locations and 200+ ATMs
nation-wide.
• Branch network designed to cover minimally 80% of Tanzanian
districts.
Empowering Entrepreneurs
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• Paying special attention to micro, small/medium-sized and rural
business.
• Tanzanian agriculture is close to our heart (KILIMO KWANZA). We
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play a roll in all parts of the supply chain.

14. NMB mobile
Easy-to-use NMB mobile banking and payments for
all NMB customers (USSD)
Features the most desired consumer applications:
• Balance Inquiry
NMB mobile
• Mini-Statement 1. Balance Enquiry
2. Mini-Statement
• Money transfers to any NMB account 3. Money Transfer
4. Prepaid Services
• Tanesco Luku Prepaid Electricity Purchase 5. Other Services
6. Help
6 H l
• Vodacom and ZAIN Prepaid Airtime Top-Up
• NMB Services like ATM card block, settings
Works with NMB Personal Account, TPDF Account,
Student Account, Wisdom Account
Simply dial *155*66# to access
No need to fill-in forms or visit an NMB branch to
sign-up, simply dial *155*66*123#

17. Thank You!
Th k Y !
Dan Armstrong
Takashi Mobile
dan.armstrong@takashimobile.com
+31 652 085 071