Dan Armstrong, Mobile Monday Amsterdam
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Presentation given at Mobile Monday Amsterdam #3, March 2008
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Dan Armstrong, Mobile Monday Amsterdam
- 2. About Rabobank / Rabo Mobiel Rabobank NL: 2,7 mln internet banking customers, 7 mln customers overall (~50% market share) Extremely high loyalty, broad national coverage of customers Tradition of innovation AAA rating (Moody's, Standard & Poor's) Top‐15 world financial institution Rabo Mobiel Started in summer 2005, launched to the marketing in November 2006 Over 100.000 customers last week, postpaid/prepaid, all customer segments, regions.
- 6. What you get with Rabo Mobiel Core Rabobank Values ‐ trust, security, quality, easy‐to‐use services, cooperative value Great Telecommunications Product Online Self‐Care Environment Commitment to innovation ‐ core asset for differentiation is Mobile Financial Services Secure mobile banking ‐ MSISDN/IMSI checks, WAP Gateway IP#, VPN, SSL, 5‐Number PIN code validation Close Rabobank partnership, but Rabo Mobiel is an independent company ‐ for innovation, speed‐to‐market Leverage GSM technology (internet access, SPS P2P, etc.) and Near Field Communications (NFC) for proximity payments.
- 7. Some Challenges In NL, electronic payments are a mature Authentication Medium Method Authorisation model. 98% pinpas penetration, ubiquitous usage and availability, very Physical Passport, Driver’s All financial Person Licence + Bank Pass services cheap transaction costs (free for users) Do consumers identify the mobile Television Offline Token (Random Large amount of phone as a payment device? and PC Reader) + Bank Pass + financial services knowledge (PIN) (includes signing) Weaknesses in mobile and banking industries applicable. UBT Online & Offline Token … Rabobank’s brand / trust critical to / Authentication (various GSM/IP) + protect. Bank = perception of trust knowledge (TIN) “Security” is always a balance between Mobile Online Authentication Subset of financial Phone (various GSM/IP) + services high levels of protection and usability. (browser) knowledge (TIN) (authorisation) Mobile security will never match secure, tamper‐resistant tokens . Mobile Knowledge (TIN) Subset of financial Phone (IVR) services (authorisation)
- 8. 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, Debit credit cards, changes… Card Credit Office Cards Entrance Travel to NS for an OV‐ Different cards, chips for chipkaart, apply for different services… personalised OV‐chipkaart… Public Rabo Transport Schoolbank Member‐ ship Loyalty Sport Pick up loyalty cards at Pass supermarkets and retail locations
- 9. Rabo Mobiel Product Rollout Strategy Question: What role doe mobile FULLY‐INTEGRATED operators or banks want to play in brokering a customers’ identity? 2009‐12 2009‐12 2008‐10 Tip: To gain speed and mass 2008‐10 FULL NFC PRODUCTS + FULL NFC PRODUCTS + INTEGRATION WITH INTEGRATION WITH COMPLETE acceptance, countries must COMPLETE PRODUCTS AND PRODUCTS AND INTEGRATION WITH INTEGRATION WITH establish a federation model, PARTNERSHIPS Utilise lessons PARTNERSHIPS PARTNERS PARTNERS learned & including major players in key B2C successes to move into sectors: larger collaborations / partnerships. 2008‐10 2008‐10 banking mobile loyalty PRODUCT ROLL‐OUT PRODUCT ROLL‐OUT OPPORTUNITIES, OPPORTUNITIES, public EMERGING STANDARDS, EMERGING STANDARDS, retail ticketing transport CONSUMER SUCCESS CONSUMER SUCCESS 2007‐08 2007‐08 TRIALS / FIRST PRODUCTS STAND‐ALONE TRIALS / FIRST PRODUCTS Note: All this can’t be only TRIAL technology‐led, consumers must FULL get benefit, receive logistic value PRODUCT LAUNCH and cost savings. Utilise trials to define the business case for full product roll‐outs & partnerships.
- 10. Some Current Products, PoC Programmes & Trials 2007‐08 Feb 2008 2007‐08 • Coca‐Cola NFC Vending Trial – 30 • Kick‐off 2008 NFC ticketing roll‐out • C1000 Supermarket NFC Shopping locations in Diergaarden Blijdorp, later Trial w/PIN • FEBO NFC Vending PoC ‐ Amsterdam museums, zoos, amusement parks Rotterdam Jun 2008 Jun 2008 2007‐08 • Introduction P2P payments to • MiniTix downloadable Java • Rabo Schoolbank trial for NFC cards normal mobile numbers, via SMS application v.1, account balance & & mobile phone in cashless schools • Prepaid recharge, online merchants transactions, P2P, content & access & retailers RABO SCHOOL BANK Sep‐Nov 2008 Sep‐Dec 2008 Jul‐Sep 2008 • 2 new Rabo Schoolbank roll‐outs for • NFC payment roll‐out with 3 new • Temporary personnel company NFC cashless schools handsets in 500+ locations nation‐ time registration trial (2 cities) • Launch of 4 city NFC parking wide • NFC retail shopping trial with no‐ product w/theatres, city passes, • Planned NFC mobile loyalty queue checkout (ends Sep) vending, retail programme with 2 nation‐wide • NFC card/phone bicycle storage • 120+ conferences with NFC access loyalty programmes and 4 major launch, 3 cities via 2 event partners retailers
- 11. Some images 2007‐08 C1000 FEBO NFC vending Coca‐Cola NFC vending
- 12. Some images 2007‐08 28 February 2008: Diergaarde Blijdorp P2P GSM parking launch with Park‐ line school NFC terminal NFC PIN demo @ Picnic
- 13. MiniTix 2008 MiniTix online MiniTix P2P Customer bank account MiniTix NFC • NFC cards, NFC mobile phones • Being rolled out in schools, theatres, parking, bicycle storage, vending MiniTix mobile application
- 18. SEPA: Single Euro Payments Area Zone for the euro in which all electronic payments are considered domestic, and where a difference between national and intra‐European cross border payments does not exist. European Payments Council (EPC) has mandated standards for all inter‐bank transactions via the Payments Service Directive, as well as incasso, acceptgiro, e‐payments and m‐payments, etc. So, for new payment developments, Rabobank must not only consider other Dutch banks but other European banks too (and there are a lot). PIN too american banks ?????? ZWIZZLE
- 19. ... vs.
- 20. Mobile Transactions in 2012 Transactions Menu PIN 1. USABILITY? ‐ cross‐platform Menu Info Back ‐ NFC behaviour 2. SECURE TRANSATION KEYS? 3. HARDWARE SECURE ELEMENT? ‐ UICC (SIM card) ‐ hardware ‐ removable memory card 4. SEPA
- 21. Mobile Transactions in 2012 TSM Key TSM Service MNO Management OTA Provider Service Provider Service Provider TSM Key TSM Service MNO Management OTA Provider Service Provider Service Provider TSM Key TSM Service PIN MNO Management OTA Provider Service Provider
- 22. Mobile Transactions in 2012 TSM Key Service MNO Management Provider Service Provider Service Provider TSM Key Service OTA MNO Management Provider Service Provider Service Provider TSM Key Service PIN MNO Management Provider Service Provider
- 23. Mobile Transactions in 2012 Service MNO Provider Service Provider Service Provider TSM Key Service OTA MNO Management Provider Service Provider Service Provider Service PIN MNO Provider Service Provider