The document discusses Rabobank's strategy of thinking globally and acting locally through innovation. It outlines Rabobank's history of pioneering mobile and digital banking technologies in the Netherlands dating back to the 1980s. These include being the first bank with ATMs, developing internet and mobile banking platforms, and trials of contactless payment technologies like NFC. The bank aims to continue driving local innovations in payments and banking through new platforms and partnerships.

1. Think global, act local That is the idea. Rabobank inside Rabobank. Een Bank met ideeën . Nico ten Wolde DC10, 2 november 2010

3. Think global, act local Het success van lokale innovaties 2012 – NFC Mobile 1999 – mmm.rabobank.nl 2003 – Mobiel banking on i-Mode 2006 – Rabo Mobiel launched 2008 – App SMS Payments Java, 2008 – SMS Payments 1980 1990 2000 2010 1981 – First ATM in NL 1986 – Pin Retail PoS 1989 – Telebanking 1997 – Rabo Direct Betalen 1995 – Rabofoon IVR Banking 1996 – Internet banking 2004 – Mobile banking on Vodafone, Orange, TMobile 2005 – TV banking 2008 – NFC Payments pilots 2010 – App Banking iPhone Android,Win6,Bada etc 2011 – Win7, Blackberry iPhone,Android,Win6 2005 – iDeal 1996 – Chipknip

4. Internet banking PC, TV, phone, mobile 1999 – mmm.rabobank.nl 2003 – Mobiel banking on i-Mode 2006 – Rabo Mobiel launched 2008 – App SMS Payments Java, 2008 – SMS Payments 1980 1990 2000 2010 1981 – First ATM in NL 1986 – Pin Retail PoS 1989 – Telebanking 1997 – Rabo Direct Betalen 1995 – Rabofoon IVR Banking 1996 – Internet banking 2004 – Mobile banking on Vodafone, Orange, TMobile 2005 – TV banking 2008 – NFC Payments pilots 2010 – App Banking iPhone Android,Win6,Bada etc 2011 – Win7, Blackberry iPhone,Android,Win6 2005 – iDeal 1996 – Chipknip

5. Payments e-commerce, m-commerce 1999 – mmm.rabobank.nl 2003 – Mobiel banking on i-Mode 2006 – Rabo Mobiel launched 2008 – App SMS Payments Java, 2008 – SMS Payments 1980 1990 2000 2010 1981 – First ATM in NL 1986 – Pin Retail PoS 1989 – Telebanking 1997 – Rabo Direct Betalen 1995 – Rabofoon IVR Banking 1996 – Internet banking 2004 – Mobile banking on Vodafone, Orange, TMobile 2005 – TV banking 2008 – NFC Payments pilots 2010 – App Banking iPhone Android,Win6,Bada etc 2011 – Win7, Blackberry iPhone,Android,Win6 2005 – iDeal 1996 – Chipknip 2003 – MiniTix

6. Point of sale PIN, Chipknip, NFC cards, NFC mobile 1999 – mmm.rabobank.nl 2003 – Mobiel banking on i-Mode 2006 – Rabo Mobiel launched 2008 – App SMS Payments Java, 2008 – SMS Payments 1980 1990 2000 2010 1981 – First ATM in NL 1986 – Pin Retail PoS 1989 – Telebanking 1997 – Rabo Direct Betalen 1995 – Rabofoon IVR Banking 1996 – Internet banking 2004 – Mobile banking on Vodafone, Orange, TMobile 2005 – TV banking 2008 – NFC Payments pilots 2010 – App Banking iPhone Android,Win6,Bada etc iPhone,Android,Win6 2005 – iDeal 1996 – Chipknip 2012 – NFC mobile 2009 – NFC MiniTix cards

7. iDeal Het succes van een lokale betaalmethode iDeal Acceptgiro Transfer / Debit Paypal Creditcard

8. MiniTix inside Multichannel micropayments Rabobank inside

9. MiniTix Multichannel & inside In the mobile In cards In Hyves site, apps Via sms, in sites, in apps In m-commerce apps

12. MiniTix 2010 growth lifts of # MiniTix Wallets Month

13. Mobile Banking, Payments, Contact Rabobank inside

14. Mobile Payments PoS payments / m-commerce payments M-commerce ‘Remote’ Point of Sale ‘Proximity’

15. M-commerce Lift of, MKB adopteert MiniTix Ordering Cinema Theater Café Restaurant (30 city’s) # MiniTix wallets # MiniTix payments m-commerce Month Month

16. M-commerce Order&pay Drinks/ menu Order&Pay

17. Point of Sale payments Rabobank two tracks: 2010- en 2012 2012: Consortium NFC mobile 2010: Rabobank Mobile with NFC sticker or NFC card TSM Role

18. Point of sale: track 2012 De evolutie van de betaalkaart Proprietary Bank Cards Contactless EMV Cards Non-EMV Cards EMV Cards NFC Loyalty & Membership Shopping & SmartPosters NFC Mobile Phones with EMV Card Emulation NFC Ticketing & Coupons NFC Public Transport Other, P2P, Payment, etc.

19. Point of sale Worldwide trials / roll outs of mobile NFC USA Netherlands Norway Czech Republic Slovenia France Canada United Kingdom Turkey Georgia South Korea Japan Taiwan Thailand Malaysia Singapore Indonesia Australia Netherlands Netherlands Japan France Poland Italy Taiwan Switzerland Italy Spain Guatemala France Spain Romania = proposed for, or existing commercial roll-outs

20. Point of sale Nationale samenwerking voor uitrol 2012

21. Point of sale: track 2012 Trusted Service Manager is essentieel “ Trusted Services Manager” Role “ Please ensure that APPLICATION X gets to USER Y on MNO Z.” “ Make sure that when there are changes of any sort required, that can be managed securely and easily.”

22. Mobile Banking, Payments, contact Rabobank inside

23. Mobile Apps, apps ,apps Split bill SMS Payment Accident help Rabo Sport Banking Balance inquiry

24. Mobiel Banking (NL) Break through: fast growing # active mobile banking users PC Mobile Mobile PC PC Mobile banking user # usage per month

25. Mobile banking & payments Leveraging knowledge & experience Mobile Banking Trial (2010) Mobile Banking (2003) SMS Alerts (2002) Mobile Wallet (2006) WAP, J2ME, iPhone, Android, Windows, Widget Apps NMB mobile 290.000 customers (launched mid-2009) FNB Mobile & Fast Account (launched mid-2010) BPR Mobile Banking (launch Sept. 2010 Rabo Mobiel (2006) Mobile Cash Management (FL) (2008) SMS Alerts 220.000 customers (launched 2008) Mobile Feasibility Study (2010)

26. Think global, act local That is the idea. Rabobank inside Rabobank. Een bank met ideeën Nico ten Wolde