Worldline - 2019 Universal Registration Document

WORLDLINE Strategy

Given its expertise in large deals elaboration, its scale, its

provide merchants with advanced acquiring and payment

leadership position within the European payments market and processing services. full range of services offered across the extended payment value chain, the Group is ideally positioned to capture additional business from banks willing to outsource their payment infrastructure but also looking for a partner to jointly

Furthermore, the Group expects to be well-placed to capture additional business from banks looking to enhance revenue streams through the provision of additional value added services to their customers.

Focus on online: grow above market Worldline online and C.5.3 omni-channel payments, leveraging One Commerce Hub and Digital Banking

Worldline believes that the future will be dominated by omni-channel, contextual commerce that engages customers, drives traffic to the store, enhances the customer experience and improves brand loyalty. Worldline, thanks to its omni-channel payment solution – One Commerce Hub – will help merchants ensuring a multi-channel convergence of payment services and integrating payment seamlessly into the customer journey. It allows merchants reducing their

transaction costs and transforming the experience of their

customers.

In parallel Worldline Digital Banking platform, innovative, flexible and scalable will accompany the rapid transformation of the banking industry, driven by regulatory initiatives (such as PSD2) or the evolution of customer’s behavior.

C

Innovation and investment: ensure successful market breakthrough C.5.4 with latest differentiating offers

Worldline is more and more recognized as an innovative leader due to a comprehensive and innovative portfolio of proprietary

all the innovation and regulatory initiatives helping to revamp its offers and continuously look to best serve its customers

solutions for banks, merchants and for any other sector where providing them the most advanced solutions. transactions are at the heart of business. The Group will grab

Integration know-how: enable fastest possible delivery of SIX C.5.5 Payment Services and equensWorldline synergy plans

Over the years, the Group has developed a strong expertise technology. Over the 2 coming years, Worldline will focus and and know-how in newly acquired companies’ integration. tightly monitor the efficiency and quick delivery of the synergy Worldline has proven its ability to integrate them consistently plans of SIX Payment Services and equensWorldline. in terms of management, processes, efficiency methods, M&A track record: more than ever, maintain an absolute priority and C.5.6 focus on the next wave of European payment consolidation opportunities The Group is expecting a massive transformation in the through disciplined acquisitions, as illustrated in particular by structuring of the payment industry in the next years and its acquisitions of Banksys, Equens and SIX Payment Services, believes in the emergence of world class players born in the Group is ready to capitalize on such pan-European Europe. A first wave of consolidation in which Worldline played consolidation opportunities. Benefitting from its European a central role started in 2011-2012 and mostly affected intimacy and its particularly solid financial profile, the Group medium sized countries. Very large countries such as France, intends to keep participating with an absolute priority focus on Spain, Portugal, Italy or parts of Germany have not, or only the consolidation of the European payment market. In this slightly, participated in this wave. Worldline believes a second respect, please refer to Section A.5.2 “Creation of a new wave of consolidation will begin for those countries world-class leader in payment services: announced acquisition representing the largest volumes of payments. As a payments of Ingenico” for information regarding this planned acquisition market leader with a strong track record of value creation of Ingenico.

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Universal Registration Document 2019

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