Worldline - 2020 Universal Registration Document

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

Stablecoins: although not a new block chain concept, is ● driving the adoption of Distributed Ledger Technology (DLT) in more traditional payment sectors, up to the discussion if Central Bank Digital Currency should use DLT or more traditional account based models. From a technological point of view however, the DLT family is evolving quite a lot, with various implementations targeting optimised processing of specific types of transactions or handling specific environments with their specific business requirements. Contributing to these evolutions, assessing and adopting the best emerging technology stacks, remains an important focus of Worldline’s research, working on solutions from Closed User Group solutions for events, over interoperable loyalty platforms to autonomous payment driven by connected objects. Customer eXperience D.2.2.1.6 The Customer eXperience 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 analyse data generated by connected devices, etc. Key innovations that have come out of this process include: Autonomous In-store Experience: aims at making life ● easier for users who demand an experience either quicker ( e.g. self-check-in in a hotel), more autonomous ( e.g. self-checkout in a shop), or simpler ( e.g. payment at the gas station) experience. It heavily leverages equipment’s such as kiosks, lockers, or advanced payment terminal which combine interaction between payment and value-added services. It often relies on relating contexts such as “online” and “in-store” to provide expanded experience like Try&Buy, Click&Collect or Pay-by-Link or enable new concepts like nanostores; Mobile Payment Experience: pursues promotion and ● greater ease of payment with a mobile in front of a payment terminal ( e.g. 1-Meter Payment or Zero-Touch Experience). It involves various device-to-device communication technologies such as Bluetooth Low Energy, QR codes, NFC emulation, visible light communication, inaudible audio transmission or new generations of matrix barcodes; Reinvented Vending Machines: explores concepts in ● which experience is more natural, like Honesty Vending Machine, where users pay before helping themselves in a simple fridge instead of a complex and costly automated device, or FreeGo, where users take what they want in the fridge while an artificial intelligence based computer vision automatically determines the amount that will be paid;

Smarter Bot: covers applications of artificial intelligence ● and natural language processing to propose advanced contact solutions based on voice, chat or multimodal interaction, which enable channels now essential to customer relationship management for banks, insurance, merchants, government, etc. This area notably includes the Augmented Agent, who is helped by automated information retrieval and answer preparation; Question Answering, w hcih consists in finding relevant answers in unstructured document databases; Sentiment Analysis, to automate monitoring of the level of trust and satisfaction; and conversation management, where interaction goes beyond simple scripts; POS Accessibility: addresses the needs of visually ● impaired people while payment terminals and kiosks evolve towards 100% touch interfaces. It notably involves device-to-device communication to take advantage of the user’s mobile device in sensitive or complex operations like PIN entry, choice making or navigation. Performance & Intelligence D.2.2.1.7 The Performance & Intelligence axe gathers innovative solutions for optimising the processing of high volumes of data, introducing Artificial Intelligence in processing and decision processes, combining cloud and edge computing and reducing the ecological footprint of handling transactions or data. 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: Optimised AI learning techniques are needed to provide ● our solutions a head start versus the baseline of what is available on the market. Transfer learning, where Worldline bootstraps its AI solution deployed in a new environment with a model that is pre-trained on data from a different context, allows our solutions to be more performing from the start. Federated Learning creates a higher dimension of insights by combining the learning path of multiple deployments of an AI solution w iothut sharing the processed data. For a Multi-tenant BPO processor like Worldline this is key in any AI powered solution; AI Models for Instant Risk Scoring bring value in many ● domains of payment processing. Our investigations have led to the creation of deep learning AI models that are optimised to perform real-time fraud risk scoring. By tuning the algorithms used and by creating an optimised technology stack for this, Worldline is able to run these complex tasks on a Virtual Machine running on standard hardware, processing the high volumes Worldline is faced with. Packaging the solution to make it easily deployable as standalone component, easily accessible via a simple API call, makes this solution ready for integration in multiple environments: Card issuing Consumer protection, Merchant side fraud prevention, frictionless e-commerce Risk Based Authentication, etc.;

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Universal Registration Document 2020