The document discusses the evolution of mobile networks, devices, and content, with a focus on mobile financial services such as Rabobank's offerings and solutions for remote and contactless payments. It highlights various mobile applications projects and initiatives in the Netherlands and Tanzania aimed at enhancing consumer access to banking and financial services. Key features include mobile banking, low-value payments, and innovative uses of NFC technology.

3. Movements in the Content Space 1G 2G 3G 4G Communications (voice, SMS) Content Applications Device Sexiness /Device Usability (also Moore’s Law) Dial-Up Internet ISDN/ADSL Fibre to the Home Flat-Rate Service Broadcast Personal Broadcast Social Media Walled-Garden Portals BORING For us in The Netherlands, the evolution of mobile networks, devices and content is nothing new. What’s next?

4. Movements in the Content Space Communications (voice, SMS) Content Applications Disintermediation of the “trusted application provider” (including revenue) But there are a lot of other great examples of phones used as application vehicles... Of course, the obligatory iPhone photo... iPhone is a good example of an applications-centric device, with communications as an “application”

5. Rabobank GSM MVNO Telecommunications Services Mobile Internet Access Mobile Content, Information & Media Portals and Self-Care Value-Added Bank Product Banking “On the Go” Premium Product / Combination Communications Channel for Local Banks, Members and Customers 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

6. Rabobank GSM MVNO & Value-Added Bank Product Great, Core Mobile Telecommunications Product Rabobank Values – trust, security, quality, easy-to-use services, cooperative value Online Self-Care Environment Secure Mobile Banking Commitment to Applications Innovation (Mobile Financial Services)

7. Mobile Applications 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

8. Mobile Applications 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)

9. Mobile Applications Projects Mobile Health: Stichting Diabeter, Health Agency, Achmea (2008-09) Mobile Terrace Payments: MyOrder at 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)

10. Rabobank Mobile Banking 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 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 SMS SMS WAP WAP WAP IVR WAP WEB

12. Case Study: NMB mobile NMB: National Microfinance Bank Ltd. (Tanzania) 1,3 mln customers Consumer and small-business focused Dedicated to providing sustainable, viable access and direct 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 Paying special attention to micro, small/medium-sized and rural business. Tanzanian agriculture is close to our heart (KILIMO KWANZA). We play a roll in all parts of the supply chain.

17. NMB mobile Easy-to-use NMB mobile banking and payments for all NMB customers (USSD) Features the most desired consumer applications: Balance Inquiry Mini-Statement Money transfers to any NMB account Tanesco Luku Prepaid Electricity Purchase 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# NMB mobile 1. Balance Enquiry 2. Mini-Statement 3. Money Transfer 4. Prepaid Services 5. Other Services 6. Help

19. Thank You Dan Armstrong Takashi Mobile [email_address] +31 652 085 071