WORLDLINE_REGISTRATION_DOCUMENT_2017

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

As one solution leads to another, the Company’s ongoing ● dialog with its customers led to shift the PayGgy box concept towards another vertical market, for another use: as a Donation Box. This time, the connected object takes the form of a box (instead of a piggy bank) which can promptly accept users' individual donations simply and securely. As easily as a coin or a note can be placed in a box, a card can be presented and the set, or selected, amount can be transferred to the recipient’s organization. To give donors a better idea of the real impact of their donation and the donations made by all the other donors, a digital screen shows the real-time total as it increases with each donation made; One of the most popular user interfaces at the moment are ● the (chat) bots, these little robots that answer questions, whether it happens through written requests by email or instant messages, or during voice requests via software interfaces like SIRI popularized by Apple, or hardware interfaces like Alexa from Amazon or Google Home. Not only are these services filled with new technologies, but they also introduce new uses, such as personal driving assistants (requests for information while driving), home assistants and all conversational channels with brands and institutions. HighProcessing andVolumes This area focuses on innovative solutions for processing high volumes of data, proposing new generations of tools for equipment and infrastructure architecture, as well as algorithms, in order to enable “device-to-cloud” application processing and off-loading. The primary areas of focus include high-performance computing, liquid computing solutions, cloud and context services, artificial intelligence and machine learning and support for emerging business activities. Key innovations that have come out of this process or that are currently in development include the following: Industrial Data Analytics Platform: as Prescriptive Data ● Analytics are now required by almost all of its services, Worldline decided to embed all of the resources to provide best-in-class data analytics services, whether structured, contextual or real-time. Worldline is now preparing the next generation of software to benefit fully from such an infrastructure, in the form of the AïDA program (Artificial Intelligence for Data Analytics), a three year research program with four different European universities; To supplement its data analytics work, Worldline is also ● working on "Machine Intelligence" and "Deep Learning." This work is very important because it enables computers to learn by themselves, to create reasoning or rules for analyzing information in order to take the decisions expected of them. This work is vital for all real-time information processing services. Fraud detection in payments is an excellent example.

This Artificial Intelligence work also complements the two ● previous research focuses, with the help of image recognition and searching for elements defined in an image or a video stream (searching for people in a crowd, recognition in a store, recognition of a user), the data flow analysis and weak signal detection, which allow, for example, to predict a problem, a failure, an unforeseen event from its beginning in order to trigger corrective action as quickly as possible. Worldline has close links and established long-term partnerships with leading European universities on data analytics and encryption (University of Passau in Germany, Université Libre de Bruxelles in Belgium). Worldline's international research and development teams are working with researchers and students to find increasingly innovative solutions, pooling their knowledge and expertise to identify future technological challenges on an international scale. These close, long-term relationships between the business and academic worlds promote both university research, by providing real business opportunities to test algorithm models, and innovation for Worldline, by orienting research to critical business needs that require advanced expertise in fraud, encryption, security and data analytics. The partnerships also provide a great opportunity for Worldline to implement a worldwide technology watch, which is a key competitive advantage for meeting Worldline’s international growth goals. Worldline’s innovative approach [WL2] Worldline actively seeks to promote a culture of innovation designed to spur its employees to greater creativity and encourage the design and implementation of value-creating initiatives. Worldline’s research and development department is a key enabler of Worldline’s capacity for innovation and improvement of its products and solutions, a critical strength in an industry that is constantly evolving. To this end, customer innovation workshops enable Worldline to present new emerging technologies and trends to its customers. 9 innovation Workshops [AO10] were organized in 2017 to dialog with customers about their needs and expectations and the best ways to meet them. On a wider scale, Worldline has attented and/or supported 14 innovation workshops in which Scientific Community members were not necessarily present or involved. Worldline’s research and development teams comprise over 350 engineers located in most of the countries in which the Company is present. Many of Worldline’s research and development engineers are closely integrated within Worldline’s operational teams and focus primarily on incremental innovation, while other research and development engineers are focused on longer-term research and development projects dedicated to disruptive innovation. Worldline’s dedicated research and development team supports a more extensive operational team of more than 6,000 digital specialists who work with customers in the field to deliver the Company's solutions.

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Worldline 2017 Registration Document