WORLDLINE_REGISTRATION_DOCUMENT_2017

D

Corporate Social Responsibility report Building customer trust with fully available and secured platforms

D.2.3.2

Bringing value to our customers through our sustainable solutions by meeting their sustainability challenges

laws and mitigate supply chain risks. Additionally, Worldline Pay for acquiring and authorization, in combination with the online fraud detection application, dramatically reduces card fraud and the tolling solution prevents tax evasion and promotes anti-money laundering. Environment andClimate change Worldline’s digital solutions contribute to the fight against climate change and preservation of the environment by reducing the pollution and production of waste. For example, digitization and Online Banking solutions enable to reduce transportation and use paperless methods that contribute to the fight against deforestation and CO 2 emissions. Providing Online Services, Cloud solutions or remote payment solutions thus allows the possibility of eliminating travel to access the services. Moreover, connected vehicles and the Live Traffic solutions enable customers to have access to traffic flow anticipation, eco-driving practices and monitor fuel consumption. Additionally, smart home solutions (smartgrid) enable the optimization of energy consumption. Specific offers presented belowhave been screened as having a bigger impact on sustainability. Digital Payments Worldline’s digital payments solutions embrace a wide range of offerings and services covering the whole payment value chain: processing services for customers related to non-card payments, interbank clearing & settlement, payment back-offices and secure transactions. Worldline is ideally positioned to benefit from recently adopted regulatory changes, as the PSD2 legislation encourages account-based payment solutions and the EPC’s instant payment scheme quickly completes the entire payment process. Both involve complex new solutions and processing offers with a major aim: to make payments easier, safer and less expensive for citizens. Digital Banking Worldline’s digital banking solution enables its customers to provide digital banking services at any time and place, contributing to the reduction of transportation and promoting paperless processes, contributing to saving natural resources because it is possible to view digital versions of account documents. Worldline’s digital banking services also allow end users to save time in daily life by viewing account balances, transferring funds and purchasing securities online. Worldline facilitates transactions through the use of mobile applications. Finally, this service help banks and financial institutions develop and enhance their customized secure Online Banking services in countries with limited access to banking services, boosting digital inclusion.

The sustainability performance of Worldline solutions and the benefits it brings to Worldline’s customers is thus expressed through the four dimensions described below. By committing to a sustainable solutions objective in its Trust 2020 program, Worldline strives to increase the economic, ethical, social and environmental impacts of its offers. Economic benefits Worldline’s solutions enable its customers to save time due to a more efficient user experience that reduces processing times and reduces the need for a physical wallet and increases customer loyalty by interacting in real time with them through personalized notifications from Worldline’s CRM services, among others. For example, Worldline Payment Acceptance, Kiosk and Digital Retail solutions reduce merchants’ time to market and help reduce the total cost of payment acceptance. In a nutshell, Worldline’s offers generate economic growth by making payments easier with flexible digital business models. Social andwell-being benefits Worldline’s sustainable portfolio contributes to the protection of vulnerable populations with its payment solutions that support financial and social inclusion such as the e-health solution. It promotes digital inclusion and online accessibility by easing the payment phase and making accessible operations that previously represented some type of restriction such as payment Terminals that can be used by blind people, for example (Voice Over POS device). For example, In Payments solutions support financial and social inclusion, as well as small business or business without a bank account. Additionally, the Company’s offer Offense processing center reduces fatalities and serious roadway injuries and its E ticketing provides information tools for both transport operators and passengers to facilitate the use of transport. Governance, trust and compliance Worldline’s sustainable solutions contribute to the promotion of Human Rights, notably by ensuring security, privacy and data protection through solutions like e-signature or e-government, contributing to citizenship and democracy. Its solutions strengthen the fight against fraud and corruption risks and are produced with the aim of preventing cyber threats. To this end, Worldline’s digitization solutions are in conformity with the European Identification and Authentication Service and Commercial Acquiring, payment acceptance and other electronic payment services ensure trust and compliance with

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Worldline 2017 Registration Document