Worldline - 2019 Universal Registration Document

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THE PAYMENT INDUSTRY Key Market Trends and Drivers of Change

In parallel, the increasing universe of connected devices is ● creating a new “Internet of things” that is expected to enable a range of new services using connected vehicles, connected appliances and other Connected Living

applications, to improve product performance (preventive maintenance, warranty cost, product launch reliability, etc.) or customer satisfaction (new and extended services, pay per use business model, advices on product use, etc.).

e-Commerce and m-Commerce continue to grow B.4.1.1 The rapid growth in online commerce (from fixed and mobile devices), where nearly all payments are cashless payments, is expected to be a major driver of continued growth in non-cash payment transactions. Worldline expects growth in the e-commerce sector to continue to outpace bricks-and-mortar.

But, Worldline are now witnessing a shift from single end-to-end channel engagement to a cross-channel environment where the online and offline, mobile and fixed, are merging to form a seamless omni-channel presence.

GLOBAL E-COMMERCE SALES (IN US DOLLARS TRILLION)

$6.542

$5.695

$4.927

$4.206

$3.535

28.0%

$2.928

22.0%

20.0%

22.9%

$2.382

18.1%

20.7%

19.0%

16.1%

17.1%

15.6%

14.9%

14.1%

12.2%

10.4%

2023

2017

2018

2019

2020

2021

2022

% change

% of total retail sales

Retail ecommerce sales

Note: includes products or services ordered using the internet via any device, regardless of the method of payment or fulfillment; excludes travel and event tickets, payments such as bill pay, taxes or money transfers, food services and drinking place sales, gambling and other vice good sales. (Source: eMarketer, May 2019 - www.eMarketer.com)

Source: eMarketer, Statista https://www.emarketer.com/content/global-ecommerce-2019

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Universal Registration Document 2019