Rabobank / Rabo Mobiel

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1 Rabobank / Rabo Mobiel Next Generation Banking May , Saint Paul de Vence 18th Annual Unisys Global Executive Payments Summit Wim Westerhof, Senior Vice President - Strategy and Business Development

2 7 million customers 1,5 mln members 220 member banks branches Rabo Mobiel Rabobank Nederland Rabobank International Rabo Securities De Lage Landen Leasing Gilde Investment Management Rabobank Group Guiding Principle: Customer value Robeco Schretlen & Co Alex Online broker Rabo Vastgoed Property

3 # of customers Know your customers (a model) number of active Internet customers Active Internet Customers Per Age age

4 Generations motivation to communicate Functional Searching, Oriëntation Working, Mailing Powers it off if not needed Learned to use it when mature Social Interaction Friendships, communities Single tasking, always on Learned to use it when adolescent Self-expression (<30) Lifestyle, Personality Mouseclick loyalty Always online, multi tasking Grown up with the Internet Morse Research

5 The present situation the Internetization of mobile communication Internet technology on mobile devices Internet like mobile services Internet brands and businessmodels also on mobiles Smartphones Flash Lite HTML Java Wi-Fi 3G Handsets Handset IM Linux Portals and messaging Communities Contact management Moblogs, picture sharing Micropayment Microcommerce Location-based services Entertainment, music video Information and content VoIP Video calling Network services

6 Rabobank is a bank for every generation Personal computers, tv and mobile: everything will be powered by the Internet Only the formsfactor (screensize / keypad) of the client differs Which formsfactor will be dominant? Can you affort to discriminate? And which one can / may / will be used for communication with the bank?

7 Rabobank is a bank for every generation Personal computers, tv and mobile: everything will be powered by the Internet Only the formsfactor (screensize / keypad) of the client differs Which formsfactor will be dominant? Can you affort to discriminate? And which one can / may / will be used for communication with the bank? And: there s nothing sexy about Payments, so let s make it as convenient as possible We enable the use of the Current Account trough every available channel for every purpose

8 Rabo Mobiel The bank in your pocket Intelligent chips make a mobile phone a tool that can be used for non-disputed identification and so, we can do (payment-) transactions The mobile phone will be your personal (financial) remote control Joining mobile initiatives is considered to be of strategic importance The Telco world is different That s why we started a new company: Rabo Mobiel

9 complex, complete portfolio What s the difference? Rabo Mobiel will be the first mobile internet bank The Position of mobile brands in the Netherlands Rabo Mobiel Innovation power. and not just another pricefighter costs

10 What is Rabo Mobiel? It s a MVNO: Phonecalls 0.10 / minute and per sms Sim only or with advanced exclusive mobile Phones Included: Free mobile banking No licences (a minimum charge of 10 / month) Free 1 MB Data, over 1 MB 2 per MB / month

11 What is Rabo Mobiel? It is an incubator on mobile for the Rabobank Group: Research on what s going on Execute pilots Develop solid financial applications Help the rest of the bank Centre of expertise

12 Rabo Mobiel: today Mobile banking Mobile banking on your mobile phone Paying Control over your financial situation Control over your phonebill The bank keeps you informed Actual proposition Mobile banking services Account information Transaction information Payments initiation with your mobile Payments and Savings alerts Phonebill information on your phone and on the Internet Seperate sms-bill

13 Rabo Mobiel: The future Mobile banking => All kinds of transaction initiation via your phone Paying / ticketing for public transport Paying in retailstores and restaurants Paying for parking Identification with your mobile SEPA mpayments rulebook

14 An example of Product Innovation: Person to person payments Connecting the Mobile Phone to the Current Account introduces the possibility to initiate (low value) payments to another Mobile Phone: Rabo Mobiel introduces mobile person-to-person payments

15 NFC.. niche or hype? Near field communication (NFC) is a type of RFID. RFID is used for storing and sending information in one direction, NFC communicates in two directions and is able to process the received signals. The use of NFC is focussed on the consumermarket.

16 Talking about Contactless cards. Contactless cards are widespread Creditcard companies support several schemes What standards are used (Mifare)? EMV is not (yet) supported: is this an issue? Terminal standardisation is certainly one!

17 Mobile contactless is ready for take off! NTT DoCoMo in Japan RFID Nederland Visa PayWave Mastercard PayPass

18 Security in the mobile phone We do trust our customer, but we don t trust his mobile phone (nor his PC)

19 Security in the mobile phone We do trust our customer, but we don t trust his mobile phone (nor his PC) Secure element Single-wire protocol SD card Embedded Applicationmanagement OTA Every operator versus every application supplier (bank)? What is the businessmodel?

20 The use of the mobile infrastructure: the classical N : M problem. Example Single Wire Protocol

21 The Trusted Service Manager T S M

22 What do we need to get it flying Special Mobile Phones Maybe Special Simcards A Trusted Service Manager A solid businessmodel Every operator, every bank Applications: Public Transport, Retailers. Standards EPC support

23 That s about it! Questions? Wim Westerhof w.c.westerhof@rn.rabobank.nl

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