Worldline - 2019 Universal Registration Document

WORLDLINE Competitive Strengths

Leading presence in next-generation payment services C.2.3

The payment services market is rapidly evolving and the Group is well placed to capitalize on growth in next generation payment services. Already positioned as an online payments market player in France (thanks to WL Sips, Secured Internet Payment Services), in the Netherlands (iDEAL) and in Switzerland (through SIX Payment Services acquisition), this position is strengthened by Digital River World Payments multi-currencies acceptance and collecting solutions (WL Online Payment Acceptance). This will be enhanced with the addition of Worldline's One Commerce Hub solution, enabling merchants to offer consumers a truly unified omni-channel experience. In mobile payment solutions, the Group benefits from a technology neutral positioning, serving an array of banks and financial institutions, card payment schemes, merchants and telecommunications providers, and has the flexibility to offer both own-brand and white label solutions. Thanks to a clear strategy and strong R&D, the Group possesses key assets for mobile payment, such as: PCI-DSS card container; ● Strong software authentication (patented); ● Host Card Emulation payment platform (patented); and ● EMVco compliant tokenization platform. ● The Group also offers mPOS devices and mobile payment solutions for tablets, which are targeted at micro merchants, start-ups, and small businesses or specific sectors such as restaurants and movie theatres. Whether through loyalty programs and customer relationship management (CRM) services, solutions that capture “big data” opportunities or other value added services, the Group is continually expanding its portfolio of innovative payment-related solutions for its merchant clients, allowing them to engage with and support their customers throughout

the duration of the merchant-customer relationship – before, during and after the sale. Because of this track record of innovation, the Group has started to accompany a large number of B2C brands, such as, most recently, McDonald’s and Accor (in France), Carrefour (in France and Belgium), Adidas, and Sephora (Sephora Flash), in the digital transformation of their sales and marketing processes and customer relationship outreach and management. The Group is well positioned to build long-standing relationships with these global merchants, developing tailored value added services and solutions to accommodate their changing needs as technology and trends in consumer behavior evolve. In addition, many of the services provided in the Mobility & e-Transactional Services line, are highly innovative and, Worldline leverages its expertise in the areas of: payments, business processes digitization, large transaction processing and data analysis, to help companies and government entities to face the strategic challenges brought by the “digital revolution”. The Group considers this a major competitive advantage regarding most of its competitors, who often need to form consortia with other industry players in order to provide a similarly wide range of services, which can lead to issues in terms of allocation of responsibilities and coordination risks and complicate client contractual relationships. Finally, the Group has proven strength with its own intellectual property and research and development capabilities, which are key enablers of its capacity for innovation and improvement. From biometrics to blockchain to the Internet of Things, Worldline is on the cutting edge of this new era in payment. In all these areas, Worldline is on the frontline of R&D, partnering with technology companies, universities and start-ups to ensure the security of financial data in tomorrow’s connected world.

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Universal Registration Document 2019