WORLDLINE_REGISTRATION_DOCUMENT_2017

C

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

Digital platform The Digital Platform is a real-time oriented, scalable and secure core platform linked with commerce, payment, data and marketing applications. It allows to merchants a progressive digital approach by connecting new applications to legacy assets in an easier and cost-effective way and orchestrating business applications, unique referential and business data to enhance the user experience. Digital Platform is a high-availability platform connecting all existing services, with real-time capabilities to heterogeneous legacy information system. It is leading the unified customer experience. Through API management, Worldline Digital Platform is highly customizable with minor impacts on the existing IT assets. It accelerates the pace of the digital businesses enabling our clients to run the new digital experience faster whilst optimizing IT investments. C.1.1.2.2 The Group offers retailers and service providers an end-to-end set of solutions that allow them to outsource some or all of the process of offering private label payment cards, including closed loop payment cards that can be used for payment only at certain affiliated sales points. The Group offers merchants the full range of services necessary to set up a private label card, including card application processing, card issuing and replacements, online card validation and balance checking, electronic invoice generation and payment processing, credit management, collections and dedicated call center support. The Group provides private label card services primarily to oil, hospitality, leisure and fleet companies in France, the United Kingdom, and Spain and in the oil and gas sector in India. Key customers for the Group’s private label cards include, Eni, Repsol, Fuelgenie, Cineworld and Premier Inn. Private Label Cards Loyalty Programs, BI (Business Intelligence) &Big Data The Group offers retailers tailored solutions for loyalty program management, sales promotion tools and innovative self-service kiosks to enhance their relationships with their customers across the different stages of the customer journey, before, during and after the sales process. These services help merchants better target and adapt their offers to evolving customer expectations, increase the frequency of customer interaction to create new sales opportunities, and improve returns on marketing and promotions through a better understanding of their customers’ needs. Loyalty programs With over 20 years of experience in implementing and managing loyalty programs, the Group manages loyalty cards primarily in France, the Benelux region, Germany and Spain. The Group offers merchants a range of services including: Customer database setup, storage and management to ● control customer data from enrollment to loyalty activity follow-up; a loyalty and sales promotion rules engine that provides a ● flexible tool to generate loyalty rewards and promotional coupons; Loyalty Services C.1.1.2.3

Analysis and interpretation of customer data to better ● understand customer behavior and expectations and adapt marketing programs; and Marketing support to help design the loyalty program and ● customer offers. The Group offers its loyalty program services primarily to large merchants such as retailers, transport and leisure companies and petrol companies in France and Spain. BigData (Business Intelligence) Based on its technical skills (Data cleansing/Ad-hoc analysis and reporting/Integration & hosting of BI solutions), its statistical skills (Customer segmentations and clustering/Lifestyle analysis/Predictive analysis/Fraud detection) and its marketing skills (Define high qualified profiles/Target and recruit new consumers with attractive offers/Marketing consultancy), Worldline proposes different offers: BI On Demand: Set-up and hosting of BI applications ● leverage by datamining consultancy skills; Customer Interactive Marketing and Sales Promotion ● Services: Omni-channel solution to promote personalized and geolocated offers in real-time based on big data analysis. Through the analysis of purchasing and other data collected during interaction with their customers, merchants can develop targeted and more effective offers, coupons and other promotional messages, and thereby enhance customer loyalty; Connected Data: Creation of new services by transforming ● machine to machine data into valuable and actionable information. Some major retailers like U, Feu Vert, Flunch, Roche and a railway company in Scotland and England use the Group’s offers. Digital Self-Service Worldline’s Digital self-service allow merchant customers in the restaurant, hotel and travel sectors to increase customer satisfaction by speeding up the food-ordering or check-in process to reduce the amount of time customers spend standing in line. In addition to reducing the number of customer “turn-aways” due to frustration at long lines, key benefits to merchants include better use of personnel and less need to deploy staff to cover peak check-in times, as well as seamless integration with back office systems. Digital Self Services also offer the potential for revenue enhancement through systematic integration of upselling opportunities as well as on-screen advertising revenue. Around 2,000 kiosks are in operation for its customers. The Group currently offers self-service kiosks principally in the United Kingdom, but is expanding this offering to other key markets, often in connection with other solutions. The Group typically offers customers an end-to-end solution that it customizes to their needs using several components including the kiosks themselves and data processing services that are typically hosted on Worldline’s servers. Many of the Group’s e-Ticketing clients use its kiosks as one means for selling or delivering tickets to customers. Depending on the merchant’s needs, the Group may also offer other services, such as analysis of customer data to propose targeted offers. Worldline designs the kiosks and manufactures the kiosks at its assembly plant in the United Kingdom using components sourced internally and from partners and other third parties.

44

Worldline 2017 Registration Document