Welcomes Zanaco

2009

Chess involvement in payments

• Internet payments

• Mobile payments

• Point of sale payments

• E-invoicing

• Factoring, leasing, treasury management etc

• Strong footprint in Dutch financial markets, transport, sports

and events

Markets services for mobility, transport,

retail and financial institutions.

Services products, integrationprojects, all related

services, production and consultancy.

Chess M2M secure solutions

competences

Specialist paymentsecurity,

payment schemes, contactless

transactions, M2M communication.

Closed cashless NFC systemMultifunctional NFC cards/phone, accesscontrol, use lockers.

Backoffice Rabo MiniTix, autoreload, transaction history via internet.

Chess Supply NFC readers, terminalhost, interface to Rabo MiniTix,

vending controls, services, consultancy, userinstruction.

This pilot has been directly extended to full production!

Chess

The American School the Hague

New paymentsystem for chip and NFCMobile sales, event cashregister, fieldsales, as extension on

Cashregister.

Functions; purse display, payments, reimbursement.

Consultancy Chess responsable for developping security-

architecture, requirements for the paymentsystem, connection to Smart

Stadium Concept. Next connec Ajax season clubcard to paymentsystem.

Chess

Amsterdam ArenA

Functionality productcreation, stadiumlay-out, crm,

Central business rules, webshop, supporter site, internetsales,

shopsales, stadiumsales, card management, online payments,

integration with financial and access control systems, etc.

Specifics KNVB + 38 professional football clubs, 7 years application

lifecycle management + managed application hosting,

high performance services due to peak requests

1 mln seazon cardholders

Complete ICT service for selling,

creating, controlling acces rights

Zanaco Zambia

Current Dutch payment channels

• After 25 years major effort to establish electronic payments

• 250 K POS terminals

• 2.000 mln debit card payments

• 500 mln ATM withdrawals

• More than 100 card payments per capita/17 mln capita

• 9 mln internetbanking users

• 150 banks, multiple bankaccounts per capita

• But still 5.500 mln cash payments!

Zanaco Zambia

Current Dutch payment channels

• To many cards

• SEPA standards

• Innovation is hard work

• E-commerce fast growing but only 75 mln transactions

• iDEAL success

Zanaco Zambia

Current Dutch payment channels

• Mobile payments

• Payment initiation and confirmation via mobile

• Difficult business case in NL

• AH2Go NFC

Functionality Person 2 person and B2C payments ,

Couple mobile ID to MTX account, couple SMS gateway,

mobile payments interface and applications.

Results Growth in Rabo Mobile customers, huge media exposure,

Understanding mobile payments in mature market, new cases / pilots

Recognition Finalist innovationaward European Payments

Council Association (2009, EPCA conference Berlin)

‘Add new transactionchannel and

P2P to existing backoffice’

Rabo MiniTix backoffice

• B

Zanaco Zambia

Dutch leasons learned

• Cash payments are a long and tough fight

• Growth e-payments are based on trust in the system

• Strong customer authentication and -control is key

• Payments are a means to attract customers

• A bank account/bank owned application is core

Zanaco Zambia

Dutch leasons learned

• A widespread infrastructure is an asset and a burden

• In a mature market innovation only has short term effects

• Standardization is necessary

• Keep the payment portfolio simple

• Keep business rules and fraud prevention central

Zanaco Zambia

Some ideas

• Security and trust are key assets in the bank consumer

relation cherish them

• Position the bank account as valuable for bank and consumer

• Add a starter relationship based on payments, salary and cash

deposits (MTX)

• Be innovative and gain large marketshare (non mature market)

• Cooperate with telco’s, strong institutions, brands, affiliates,

who offer trust, loyalty and large scale customerbases

• Reuse existing ID’s, multiple ID’s connected to one account

Zanaco Zambia

Some ideas

• Educate potential customers perhaps via loyalty programme

• Focus on macro payments (trust) and remote payments

• Guarantee payments

• Investigate reuse of NRC for authentication

• Focus POS infrastructure on strategic points (heavy traffic)

and low cost technology

Contact

Lichtfabriekplein 1

2031 TE HAARLEM

The Netherlands

T +31 (0)23 5149 149

F +31 (0)23 5149 199

W www.chess.nl

E info@chess.nl