Worldline - 2020 Universal Registration Document
EXTRA-FINANCIAL STATEMENT OF PERFORMANCE Building customer trust with reliable, secured, innovative and sustainable solutions
Examples of economic, social and well-being, governance, trust and compliance and environment benefits Examples of governance, trust and environment footprint benefits: This offer includes e-contract, e-signature, e-archiving, e-safe and e-Identity solutions that are secure, accurate, easy-to-access and efficient, enabling improved citizenship empowerment by increasing accessibility with services that are available everywhere and anytime. These services also enable greater traceability for customers, in line with the European Identification and Authentication Services, and thus greater transparency, contributing to the reduction of fraud, cyber-threats and phishing. Examples of environment footprint benefits: all Worldline terminals follow the ECMA 370 eco-declaration that includes critical environmental recommendations, thus making them the best in class eco-friendly devices in the industry. Through this declaration, the Company also ensures that its terminals are part of a certified system for the collection and recycling of end-of-life products, batteries and packaging materials, free from ozone depleting substances and in full compliance with the Reach and RoHS directives. Examples of environment footprint benefits: This solution enables railway and bus operators to optimize their route management (and thus their energy efficiency). Therefore, more real time and accurate digital information, as well as advanced analytics, allow lowering pollution and waste by reducing fuel consumption and printed paper used.
Solutions contributing to access D.188.8.131.52 to finance As a company specialised in payment processing, notably for the retail merchants, Worldline positively contributes to the issue of access to finance that affect the less privileged stakeholders including the un-banked communities or the under-served groups such as small or rural businesses. The Company has developed specific offers and partnerships in favour of the underserved communities in order to improve their financial inclusion. The partnership with the African Fintech, InTouch The sub-Saharan African region, including 50 countries and 1.1 billion inhabitants in 2020 of w hci h 59.9% from rural areas, is amongst the late emerging market in the global field of e-payments and e-banking and more generally, in terms of development, modernisation, standard of living, political stability, law and order. Driving changes and development in those countries is all the more crucial as, according to a World Bank report (2018), “an estimated 413 million people in Africa currently live in extreme poverty – more than half of the world’s total” while, according to the UN’s World Population Prospects (2017), “[m]ore than half of the anticipated growth in global population between now and 2050 is expected to occur in Africa, with 1.3 billion new people in Africa between 2017 and 2050”, particularly in sub-Saharan African countries. To address this challenge of the population growth, Worldline is convinced that enabling and facilitating exchanges throughout all forms of payment in these regions is essential to improve economic development level, procurement of basic necessities and service accessibility like internet. In order to ease and accelerate the transformation, African countries have to take advantage of the technological opportunities offered by the fintechs (Financial Technologies). Indeed, traditional payment systems are relying on the creation of a bank account and payment cards operated by banking institutions. Such a system tends to be the safest but also the costliest. According to the World Bank, 350 million sub-Saharan African adults are unbanked and the two most commonly reported reason for that is first the lack of money and second the distance to financial institutions. The lack of
traditional banking infrastructure and services has paved the way for fintech and telecommunication companies to revolutionise the Financial Services market on the African continent. In this context, fintechs have a considerable role to play in enabling other type of payments, including mobile money, w hcih thus improves financial inclusion. Indeed, in recent years, mobile phone penetration is sub-Saharan Africa has increased dramatically. According to the most recent report from GSMA, an association of mobile network operators worldwide, there are 747 million SIM connections in sub-Saharan Africa, representing 75% of the population. Worldline have signed end of 2017, a technological, commercial and financial partnership with the African fintech InTouch to support financial inclusion through the fintech’s actions. One of the key innovative digital solutions of InTouch is the Guichet Unique which has intergrated more than 300 digital and payment services. It is deployed in seven African countries: Burkina Faso, Cameroon, Côte d’Ivoire, Kenya, Mali, the Republic of Guinea and Senegal (with a total of 150 million inhabitants targeted). InTouch launched three additional countries in 2020 and will open 11 more in 2021. The Guichet Unique provides retail networks with a single customer-friendly device enabling them to accept a very wide range of secure and convenient payment methods (e-money, mobile money, private cards and cash) and to offer services supplied by third parties (multimedia subscriptions, bill payment, money transfer, card reloading, and banking and insurance services). Deployed in more than 800 Total service stations and more than 20,000 independent points of sale in 2020. More than 300 corporate clients used InTouch’s payment and digital service platform to accept payments and distribute services. The Guichet Unique platforms manages more than 25,000 transactions per day and enables unprivileged population to have access to e-payment services. Thus, this solution facilitates payment transactions and financial digital services for people without bank account and payment card. It is making wide range of services available (mobile money, prepaid cards, remittance, money transfer, bill payment, etc.). Moreover, it is allowing small merchants (small neighbourhood shops, salons, restaurants, retailers, etc.) more payment options to develop their business.
Universal Registration Document 2020
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