Netherlands: Trial Returns Favorable Response For M-Payment and Bottle Refunds


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Countinue Reading


Aug 2007
Main Application: 
Mobile Operator: 
Mobile Operator: 
Rabo Mobiel
Service Provider (application): 
Rabobank (debit payment)
Service Provider (application): 
Schuitema (Bottle return refunds)
1, C1000 supermarket (Schuitema)
NFC Handsets: 
Samsung SGH-X700n
Secure Element: 
Other Vendors: 
LogicaCMG (software for phone, IT), RFID Platform Nederland, NXP Semiconductors (NFC phone chip, secure element)

Trial participants, who were customers of the C1000 supermarket and Rabobank, tapped their phones for purchases with a contactless online debit application. Online debit with contact cards is the dominant form of card payment in the Netherlands. The users entered a PIN on the POS terminal PIN pad after they tapped their phones. A separate application on the phones enabled users to return bottles at the supermarket, then have a digital deposit refund transmitted to the phone by tapping a reader on or near the bottle machine. At another machine, users could tap again to have the refund credited to their Rabobank accounts, or they could donate the refund to charity or use it to defray the cost of purchases.

NFC Times Take: 

As with most NFC trials, survey results for this one showed NFC payment played well with consumers (see below). The trial made innovative use of a bottle-return application. But the trial was probably more important because it used the popular Dutch domestic debit scheme, including having consumers enter their PIN codes. Users would not want to change their typical way to pay just for NFC. And they didn’t mind entering the PIN, according to the survey. Interestingly, while users liked paying with their mobile phones, they would not be willing to pay anything extra for the m-payment service, the survey said.


When asked which method of payment they preferred, 68% of the 98 users surveyed chose mobile payment, compared with only 10% for bank cards, according to results released by retailer and trial co-organizer Schuitema. The rest of the respondents, 22%, said it didn’t matter what form of payment they used. Moreover, 55% of respondents said they would be willing to change mobile operator to a telco with an NFC offering, and just under half, 49%, said they would buy a new phone if more NFC services were available, including payment in other stores. But 41% said they would wait until they needed a new phone. Just over 70% said they still wanted to enter a PIN to complete transactions, even low-value purchases. But when asked if they would pay a few euro cents extra per transaction for NFC payment, 78% answered no.



* Trusted Service Manager: Defined loosely to include companies or other organizations securely distributing, provisioning and managing applications, generally over the air, on secure elements in NFC mobile phones; or licensing their platforms for this purpose.

N/A: Not available or not applicable.


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