Worldline - 2019 Universal Registration Document

EXTRA-FINANCIAL STATEMENT OF PERFORMANCE Building customer trust with reliable, secured, innovative and sustainable solutions

Blockchain technology, and more generally DLT ● (Distributed Ledger Technology) is an advanced tool to build trust and enable traceability for any digital activity and for crypto-currency. For example, Worldline has created, in partnership with Bureau Veritas, an audit and certification company, the Origin solution: a digital platform dedicated to end-to-end traceability of food products. This offer is based on a Blockchain with controlled access and low energy consumption. This platform allows tracing the origin of any type of products, whether they are consumer, industrial, food or even pharmaceutical products. In 2019, other use cases have been treated with DLTs in the field of payments to implement digital certificates (tokens) based on real-world assets (gold coins, currency baskets, etc.) or for immediate loan management in an ecosystem of merchants and financial institutions. User eXperience D.2.2.1.2 The User eXperiences track leverages innovation technology to improve user experience across the spectrum of activities that Worldline’s customers engage in, including banking, shopping, driving, communication and entertainment. It includes augmented reality solutions, solutions to make interactions more intuitive, to enable payments across multiple platforms, to analyze data generated by connected devices, etc. Key innovations that have come out of this process include: Smart Shelves: A seamless experience, no user interface ● (UI) and zero effort are the main drivers of the digital experience in all businesses, including the retail sector for which Worldline has been working on its smart shelfs innovation. Instead of using an active device as a wallet and passive device as tags, Smart Shelfs enable to reverse the paradigm: here, any passive device like a credit card, a parking NFC badge, a transport badge (that are all bearing a unique ID) will be tapped to all (active) price tags of any product a customer can put in his basket. The user then taps a last time his passive device to the cash register and the virtual shopping bag is transformed into a payment; Smart Cooler: Worldline has developed for Coca-Cola a ● self-service cooler embedding Artificial Intelligence-powered image recognition & payment. It allows a seamless refreshing experience such as: 1-You tap your card to authenticate & pass your payment method information to the cooler. 2-You open the cooler, take your product(s) and close the door. That’s it. The cooler recognizes the products picked and automatically generates the matching payment transaction; Chat bot: These little robots that answer questions and ● introduce new uses, such as personal driving or home assistants, whether it happens through voice requests, written requests by email or instant messages;

Stable Coins: One of the most visible ‘new’ use case ● around Blockchain is a cryptocurrency that is pegged to a “tangible asset” like gold, silver, fiat moneys, etc. and becomes a new monetary digital asset vehicle, like credit cards, wire transfers, and so on. Such stable coins UI have to be ease-of-use, secure and efficient. As a front runner on Blockchain and stable coins, for which core services and strong authentication are already industrially deployed, Worldline has for objective to develop an easy and secure end-to-end seamless process for users to natively earn, carry, valuate and burn those new coins. Performance & Intelligence D.2.2.1.3 The Performance & Intelligence track gathers innovative solutions for processing high volumes of data, proposing new generations of tools and algorithms to enable “device-to-cloud” application processing and off-loading. It includes high-performance computing, liquid computing solutions, cloud and context services, artificial intelligence and machine learning. Key innovations that have come out of this process include the following: Machine Intelligence, Deep Learning and Artificial ● Intelligence (AI): These research focuses enable computers to learn by themselves by creating reasoning or rules when analyzing real-time information in processing services. It is particularly crucial for fraud detection in payments. AI reinforces the data flow analysis and enables to predict potential problem or failure through technologies such as image recognition and its ability to search for elements defined in an image or a video stream; Transfer learning is another critical aspect of AI which ● applies when there is not enough relevant data on a given topic but that there is data on a close enough other topic. Just like if you can play the piano, you will learn faster the accordion. Applied to a Worldline’s business example, it allows leveraging AI-powered payment fraud detection mechanisms inherited from learning applied to a massive existing historical dataset from a given location like Western Europe to jump-start the creation of a similar mechanism but this time applied to a region where only a smaller dataset would be available; Federated Learning is a new aspect of Machine Learning ● that Worldline starts to exploit. Learning comes in any case from ‘datasets’, i.e. “examples of the expected behavior” of the resulting inference, making the exchange and passing-on of those datasets rare and complicated due to the risk of dataset leakage. With Federated learning, Worldline enables to share the “result of the learning”, i.e. an executable but non-exploitable knowledge instead of sharing the “source of the learning”, i.e. the dataset, that is executable and exploitable knowledge. Thanks to this technique, Worldline can have mutually interested parties work together and build stronger and better machine learning systems without any risk.

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103 Universal Registration Document 2019