Worldline - 2020 Universal Registration Document

B

THE PAYMENT INDUSTRY Key market trends and drivers of change

Mobile is becoming an increasingly important channel of interaction B.4.1.2 Mobile continues its trajectory as an increasingly important channel of interaction from banking through to proximity payments, in app payments and m-commerce. and these include mobile commerce and mobile payments (both proximity and remote). According to a study by Criteo, 65% of online purchases worldwide are now made via mobile. And on all of these mobile purchases, applications are Mobile devices (particularly smartphones) are becoming preferred (in 70% of cases) to mobile websites.

increasing important channels of interaction for consumers. Indeed, banking apps have already overtaken online banking as the preferred channel. This, together with other factors, such as 4G (and now 5G) penetration is driving increased use,

Therefore, it is no surprise that the value of mobile payment transactions is similarly expected to see strong growth.

M-COMMERCE AS A PERCENTAGE OF TOTAL E-COMMERCE TRANSACTIONS

70%

60%

50%

40%

30%

20%

10%

0

2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023

Brazil Germany

Netherlands Norway

Poland Spain

India Italy

Sweden Switzerland

Austria Belgium

United Kingdom

Source: GlobalData.

34

Universal Registration Document 2020