WORLDLINE_REGISTRATION_DOCUMENT_2017

Worldline positioning and strategy Competitive Strenghts

Unique comprehensive positioning across the extended payments

B.2.2

value chain

The Group provides a wide range of solutions across the extended payments value chain. Worldline’s business extends line, solution or technology. The Group’s policy of promoting the from the “core” electronic payment services traditionally offered sharing of best practices, developments and synergies across to merchants and banks (e.g. Commercial Acquiring, Acquiring Global Business Lines permits improved operational and and Issuing Processing, payment acceptance solutions, SEPA production efficiencies throughout the Group. This creates a transaction processing), to “extended” value-added services for virtuous circle that leads to the creation of further value. transaction lifecycle, while relying less on any particular business

merchants and banks (e.g. digital banking, mobile authentication, mobile payment & wallets, card-linked offers, private label cards, loyalty programs, and omni-commerce services), and innovative services provided to emerging new digital businesses (e-Ticketing, e-Government, e-Consumer and Connected Living services). The Group’s breadth of services allows it to provide flexible and tailored solutions to address client needs, while also reducing their risk and upfront costs (e.g. offering fee structures based on transactional revenue in all or part rather than on project builds). By offering solutions across the payment value chain, the Group can extract more value at each point of the

Furthermore, the Group’s positioning across the extended payments ecosystem affords it a complete perspective on the electronic payments industry, permitting it to react quickly to regulatory or other changes and to capitalize on new opportunities generated by them. In particular, the Group’s strong and broad relationships with key banks in Benelux, France, Germany and China should position it well to seize outsourcing and other opportunities that may arise from regulatory changes.

B

Leading presence in next-generation payment services

B.2.3

The payment services market is rapidly evolving and the Group is well placed to capitalize on growth in next generation payment services. Already positioned as an online payments market leader in France and in the Netherlands, the Group is positioned to expand its next-generation online payment services across its global footprint, leveraging the strength and success of its current portfolio of online payment solutions, which include Digital River World Payments multi-currencies acceptance and collecting solutions (WL Online Payment Acceptance), WL SIPS (electronic payment gateway), iDEAL, and innovative Online Banking and e-Commerce services. In mobile payment solutions, the Group benefits from a technology neutral positioning, serving an array of banks, card payment schemes, merchants and telecommunications providers, and has the flexibility to offer both own-brand and white label solutions. Thanks to a clear vision and strong R&D, the Group possesses key assets for digital wallet and mobile payment, such as PCI-DSS card container, strong software authentication (patented), Host Card Emulation payment platform (patented) and EMVco compliant tokenization platform. The Group also offers mPOS devices and mobile payment solutions for tablets, which are targeted at micro merchants, start-ups, and small businesses or specific sectors such as restaurants and movie theaters. Whether through loyalty programs and customer relationship management (CRM) services or solutions that capture “big data” opportunities and other value added services, the Group is continually expanding its portfolio of innovative payment-related

solutions for its merchant clients, allowing them to engage with and support their customers throughout the duration of the merchant-customer relationship – before, during and after the sale. Because of this track record of innovation, the Group has started to accompany a large number of B2C brands, such as, most recently, McDonald’s and Accor (in France), Carrefour (in France and Belgium, Adidas (through the innovative adiVerse virtual footwear wall), and Sephora (Sephora Flash), in the digital transformation of their sales and marketing processes and customer relationship outreach and management. Going forward, the Group is well positioned to forge long-standing relationships with these global merchants, developing tailored value Added services and solutions to accommodate their changing needs as technology and trends in consumer behavior evolve. In addition, many of the services provided in the Group’s Mobility & e-Transactional Services Global Business Line, through which the Group leverages its expertise in the areas of payments, are highly innovative. By digitizing business processes, processing large transaction volumes and data analysis, Worldline supports companies and government entities reinventing their businesses in response to the “digital revolution”. The Group has proven strength with its own intellectual property and research and development capabilities, which are supported by more than 4,500 engineers and are key enablers of the Group’s capacity for innovation and improvement.

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Worldline 2017 Registration Document