WORLDLINE_REGISTRATION_DOCUMENT_2017

C

The Group’s business Description of the Group’s three Business Lines services [GRI 102-2]

C.1

Description of the Group’s three Business Lines

services [GRI 102-2]

Merchant Services

C.1.1

The Merchant Services global business line offers merchants and retailers the unique opportunity to accompany their customers at each step of the business relationship. The Group supports merchants before the sale, through targeted origination, during the sale, by offering a range of services across the electronic payment value chain (from acquiring services to multi-channel payment acceptance and payment processing), and after the sale, through targeted loyalty programs and analysis of data generated during their interactions with their customers. The Group’s payment solutions and value added services thereby allow consumers to seamlessly transition between the merchant’s various physical and virtual sales platforms. The Merchant Services global business line aims to become the reference partner for Merchants by offering largest portfolio of product and services to enable our Merchant business to develop, by leveraging: The scale and capabilities of Equens Worldline, one of the ● largest processor in the world; By deploying a global organisation driving productization, ● QoS, expansion and efficiency; By growing direct and indirect sales channels to serve all ● tiers Merchant and Banks (Mostly in Central Europe and India); and By accelerating international expansion to service better ● global customers. As a result of both organic growth and the two acquisitions mentioned earlier, the Group now serves over 200,000 merchants in Europe, from micro merchants through to large international enterprises, pursuant to which it provides over 300,000 points of sale, manages 1.2 million Terminals worldwide and nearly 68,000 e-Commerce websites. In Europe, the Group processed (acquired) over 2 billion card transactions in 2017. In the field of e-Commerce, the Group processed and/or collected over 575 million transactions in 2017 across a wide range of more than 50 on-line payment methods. The Group Merchant Services Organic Growth is maintained by: Increasing direct and indirect sales forces; ● Building long term key-customers relationship; ● Boosting Terminals activity; ● Creating new revenue from VAS; ● Simplifying and accelerating on-boarding process of a new ● client;

Reducing POS devices deployment cost; ● Lowering processing cost; ● Reducing risk; ● Improving effectiveness of service processes; and ● By selling more by automating the customer journey. ● The Group Merchant Services is evolving in a changing environment under the influence of several forces which are pushing us to adapt quickly: Banks opening doors to alliances, Retailers wants to know better their customers, Market demand for omni-channel customer experience, Market entries becoming easier and Large retailers looking after X-Border solutions. The Group Merchant Services business actively pursued its expansion and acceleration, by leveraging the acquisitions of Digital River World Payments in Sweden and MRL Posnet in the India during the course of 2017. The acquisition of Digital River World Payments allows the Group: To follow its customer globally; ● To X-Sell group solution to DRWP customers; ● To expand its product offering with collecting and ● remittance capabilities; and To accelerate the development of next generation ● acceptance platform. The Acquisition of MRL Posnet allows the Group to strengthen its position in India becoming the largest acquiring processor. Merchant Services: Is partnering with 13 of 16 public sector acquiring bank and 11 ● of 17 private Banks, Provide processing services to 12 banks; ● Offer issuance and loyalty management services to 3 of 4 ● major fuel retailers; Provide issuance and Private Label Cards services to ● Edenred and Sodexo, and finally; Provide DCC services to leading hotel chains (Accor, ● Marriott, Taj) and provide EMI solution to multiple issuing and acquiring banks as well as major OEMs including Samsung & LG.

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Worldline 2017 Registration Document