WORLDLINE_REGISTRATION_DOCUMENT_2017

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

Building customer trust with fully available D.2 and secured platforms and reinforcing value

for customers through sustainable and innovative solutions

Meeting customer needs and expectations

D.2.1

D.2.1.1

Anticipating customer expectations regarding innovation [AO10]

Post-quantum cryptography . The arrival in a relatively ● short but still undefined time of quantum computers endangers computer security and digital work in general. There will be a post-quantum area in computer and digital security. Worldline knows that quantum computers can "break" the security keys that today protect the entire personal, professional and payment data. With this certainty about the future, research laboratories around the world are working on security algorithms that will withstand these computers. The Company works hand in hand with these researchers, putting into practice their discoveries, and makes joint proposals to global standardization organizations like NIST to which the Group owes the standardization of many global computer standards. Therefore, it is highly likely that Worldline will be one of the major contributors to tomorrow’s standards. User experience This area focuses on innovations that leverage technology to improve user experience across the spectrum of activities that Worldline’s customers engage in, including banking, shopping, driving, communication and entertainment. Key areas of focus include augmented reality solutions, solutions to make interactions more intuitive, solutions to enable payments across multiple platforms, solutions to analyze data generated by connected devices, peer-to-peer solutions, recommendation services and new devices and accessories. Key innovations that have come out of this process include: PayGgy . This innovative banking service concept is ● personified by a connected piggy bank that provides an educational and playful experience for children and their families while improving bank brands and loyalty. The “Internet of Things” and digitalization services have changed consumer habits, and now banks will also be impacted by the emergence of new uses. Nevertheless, coins and the need to save money will always exist: parents will always need to teach their children the value of money, how to save and how to manage it. Banks need to innovate and Worldline’s solution aims to evolve with young users. As children grow, they have access to more and more services. They start saving by putting coins in their piggy bank, then have access to educational content, including managing personal finances, payments (thanks NFC and QR Code solutions for beginners), mobile credit top-up, etc. and much more!

Worldline is focusing its innovation, research and development efforts on three main areas with the potential to create new opportunities and new services for its customers: Trusted Services; ● User eXperience; ● High Processing and Volumes. ● Trusted Services This area focuses on innovations designed to make transactions and services more secure for end-customers. The key areas of focus include innovative payment solutions, advanced authentication solutions, cryptographic tools, data privacy solutions (such as secure cloud services) and network resiliency solutions. Key innovations that have come out of this process include: Multi-factor authentication . As no single means of ● authentication is foolproof, services requiring strong authentication, such as payments, increase the level of trust by combining several authentication methods that would be considered insufficient if used individually. Many rigorous identification technologies are available, including biometrics (fingerprint, face or voice recognition, etc.), secured element, password and use-cases. Connected services have increased the need for integrated authentication solutions. Worldline has been working upstream with researchers on continuous "biometric recognition" so as to constantly offer new authentication solutions. In contrast with fingerprint, face- or voice-type recognition, where users are required to present their finger, face or voice at a specific time, Worldline is looking into "upstream" biometric authentication. For example, smartphones that can tell their users by the way they walk. Smartphones will analyze their user's gait, which is unique, and will recognize it. Each time users unlock their smartphones, they will tap in their Code in a very personal way. This is also authenticated by the system. Worldline is, therefore, creating an array of converging biometric user authentication solutions.

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Worldline 2017 Registration Document