Worldline - 2019 Universal Registration Document

WORLDLINE Description of the Group’s three Business Lines services

Supporting the digital retailer throughout the customer journey Worldline supports merchant's digital agenda throughout the digital life cycle. Worldline’s Digital Retail focuses not directly on the payments. Instead, the strategic attention is on the value-added services around the transaction which connects the merchants to Worldline. These services enrich the payment experience for the merchant and the customer. Payment is a crucial step in the buying journey and offers an opportunity to engage and delight customers as such. The modern customer wants to pay cashless wherever and merchants must be prepared for this demand. With Worldline’s self-onboarding system called Pack, merchants can go online and order complete, cashless payment processing solutions that accept all conventional credit and debit cards at the point-of-sales from a single source. Merchants can choose a plug & play payment package which fits their business and their customers and can start accepting secure online and in-store payments almost immediately. Worldline is the reliable partner helping retailers seize the opportunity of comprehensive digital and cashless payment solutions to reach new customers and increase sales. The One Link solution In a digital world, customers want action within just a few taps on their smartphone. The One Link program by Worldline is a one touch experience which combines all loyalty schemes a customer is enjoying into one or multiple payment cards. With this solution customers can register all their loyalty cards and programs in one app. By linking multiple merchant loyalty schemes through the One Link app, the customer can collect loyalty points at every purchase and allocate them to the linked payment card. In short - customers gather all their loyalty points within one interface and access them directly in the dashboard in the app. If the merchant offers loyalty points for a purchase, the amount of points, time and location will show-up automatically in the app. One Link supports several identifier schemes, such as debit and credit cards, IDs, phone numbers or even car license plates, which can be connected to payment as well as loyalty schemes, creating an even broader range of possibilities for merchants. For example - listing a license plate registration into the One Link system offers a special user experience for customer and merchant in which user-authentication through the app and confirmation of the active payments card and behavior are smoothly combined. Value for the merchant and customer are developed by linking multiple sources of information into a single platform. Merchant Loans Money can sometimes be a bit short for SME’s at the end of the month. With just a single click, retail merchants can request a loan and will receive money on their account the following day. Added Value Services Packs

Working Capital is a blockchain based solution supporting merchants’ cash-flows as they look to grow their business. Worldline and its partner Jaris Working Capital quickly evaluate the retail merchant’s payment history and offer the merchant three different loan options upon which the money is transferred. Transparency is a key element in this service. The merchant, the third-party financial partner and Worldline share information through a secure yet transparent system, which discloses relevant transactional and financial information about the involved parties. This clearly enhances confidence in the system. Worldline believes that combining transparency and one-click function is the best way to serve its clients. Merchant Wallet The Merchant Wallet is the connecting element between merchants’ consumer app and the new smart terminal generation like YUMi and Valina. It enables merchants to offer new, innovative use cases and leads to next level user experience. As an example a user self-scans products in store or even online and pushes the product basket via the Merchant Wallet infrastructure to the YUMi. At check-out the merchant presents offers and discounts, personalized to the client on the YUMI screen. It simplifies transactions with a frictionless one-touch payment without any compromise on security. Worldline’s Merchant Wallet is managed in a centralized platform available via several channels (internet, smartphones) with an enriched, personalized and seamless experience. Worldline’s Merchant Wallet includes three main differentiators: HCE (host card emulation) to manage uniquely remote ● payments and proximity payments in the same wallet container allowing online provisioning of cards into the wallet; A contextual and adaptive authentication to improve the ● shopping experience, calculated on risks based fraud detection and requiring a trusted authentication (several factors) for high risk identified transactions; Security improvements with white-box cryptography and ● software tamper resistance. Worldline’s Merchant Wallet is used for instance by Accor, Mc Donald’s France and Total. Digital Retail is on the way to industrialize the service to a product. YUMi Apps Android Apps are the source of new services for Worldline as well as in partnerships with 3 rd parties. Key is to be able to remotely manage the installation, de-installation and sequence (flow) of the apps for a frictionless operation process. First develoyed applications include its Merchant Assistant, POS Advertising (digital signage), Digital receipt, Tax Free, Loyalty, Web instore payment and integration of ECR.

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Universal Registration Document 2019