WORLDLINE_REGISTRATION_DOCUMENT_2017

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Corporate Social Responsibility report Integrating sustainability inWorldline’s business

D.1

Integrating sustainability inWorldline’s business

Building an integrated approach

D.1.1

D.1.1.1

Market trends, opportunities and risks in the digital area [GRI 102-15] and [GRI 103-1 economic performance]

their sustainability challenges while developing new revenue streams and complying with their corporate objectives as well as committing to economic transparency by fighting the shadow economy, fraud, money laundering and all types of financial violations. To this end, Worldline commits to making services and products sustainable, improving and optimizing them as well as creating new ones. By contributing to its customers' economic growth and sustainable offerings, Worldline’s solutions have the following positive impacts: Economic Worldline’s sensitive activities, in terms of risk, take place in an ecosystem which involves more and more stakeholders. This ecosystem is governed by international and local regulations defining payment industry sector standards, but also by user practices and habits that must be taken into account. Worldline has a key role to play in this context by making the economy more open and transparent and by improving market access beyond online payment, personal services, mobility, digitization and secure confidence in traceability. Thanks to its innovative solutions and corporate commitment, Worldline is recognized as a trusted third-party partner supporting its customers’ growth. Social To meet social challenges, Worldline fully aligns its Human Resources strategy with its operational needs, to better anticipate growth and its impact on personnel needs. This means having the right skills for a qualified workforce on a global scale, delivering development programs for its employees to grow, retaining talent and as a result, being known as an attractive player on the market. Ethics Worldline has the ambition of playing a leading role in the fast-growing and constantly evolving payment market landscape. This requires having a compass on how to conduct business. Conducting business in an ethical and responsible way in all of its spheres of influence is part of the Worldline strategy, as an absolute requirement to be integrated into the Company’s thinking, decision-making and processes.

The digital revolution has made its way into the payment industry to which it is bringing significant changes. Customers changing their behavior and having high demands for services that fit their needs, the constant stream of new emerging technologies, the arrival of new digital players, often with different economic models and approaches, such as the GAFA, neo-banks and Fintech start-ups and grow-ups, as well as the continuing pressure of regulatory changes, such as e-Identity and consumer protection directives as well as the coming application of the new Payment Services Directive (PSD2), are the main disruptors driving the entire payment ecosystem towards new business models that are still unstable. processes With the digital revolution comes an increased digitization of processes which triggers growing electronic interactions between all participants involved in these transaction processes. Furthermore, the digitization of processes facilitates a seamless digital user experience, with no interruption of the customer’s interaction with the Company, regardless of the means used. Worldline encourages simple, secure and efficient systems that optimize the use of resources, for example, by removing unnecessary paper or cards. investment for the future Driven by the digital revolution, the classic payment value chain is radically transforming and new emerging players are entering the market. New technologies will enable Worldline to provide new entrants with access to electronic transactions and optimize the way financial transactions are currently executed for customers, involving lower costs and offering enhanced services through a seamless customer experience. In response to this demand, and as a key player committed to sustainable progress for society at large, Worldline has significantly invested in payment and digital services assets. The Company aims to provide better support for its customers in Opportunity in the digitization of D.1.1.1.1 Challenges of the digital revolution and D.1.1.1.2

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Worldline 2017 Registration Document