Worldline - 2020 Universal Registration Document

DESCRIPTION OF THE GROUP’S BUSINESS Description of the Group’s four Business Lines services

Globalization and omni-channel: standardizing, facilitating ● shopping across all channels and expanding the offering while optimizing transaction processing (increasing reach; local connectivity; 1 stop shop and modular needs); Increasing number of payment methods in terms of ● channels (mobile, wallet, instant, etc.) and schemes (local, international, premium and alternatives); Cash moving to cashless and seamless commerce; ● Verticalization: abandoning the standardized approach, ● moving towards market verticals specific solutions. In addition, accurate reporting tools across all merchants’ channels are clear merchant demands Worldline is focusing on offering easy-to-use solutions. Banks partners Worldline Merchant Services has broad experience in cooperating with banks and partners to offer Merchant Services and acquiring solutions. Worldline manages a wide range of partnership models from pure outsourcing to commercial alliances and joint ventures. BPO-outsourcing: operating processing and Merchant ● Services delivery (examples: BNP Paribas and UBS); Referral distribution: set up in which the bank refers its ● clients to Worldline for terminals and acquiring services (example: Commerzbank); White label: reselling Worldline’s terminals and acquiring ● solutions under the brand of a bank, enabling increased focus on pricing and simplifying offer (example: leading bank in Western Europe); Commercial alliance/JV: reselling Worldline’s terminal and ● acquiring solutions under the brand of a bank, enabling increased focus on joint sales force and innovation (examples: KB Smartpay, Belfius, and KBC). Differentiating offer Worldline MS Worldline has positioned itself as a provider for Merchant Services for any segment of merchants (or partners) in multiple business models and channels. Worldline offers services that go beyond the merchants payments handling towards full digital services. Worldline adapts to the specific needs of its clients, offering an open and modular approach as well as a one-stop-shop. This means merchants of all segments and sizes will find the solution that serves their needs best, be it through standardized package for a small store, be it via a tailored solution across many countries and regions for large retailers. Its European roots and global presence provide Worldline clients with the benefits of expert local knowledge as well as

the ability to have the advantage of its services and support globally. Worldline is able to support the geographical growth ambitions of merchants by offering them global reach.

Worldline and Ingenico In 2020 Worldline acquired Ingenico, a global leader in merchant and terminal services provision. Ingenico is a trusted technology provider in the new world of payment acceptance which shapes the most customer focused payment experience in the new world of commerce. It is servicing over 550,000 merchants across the globe as well as over 1,000 banks for both off-line and on-line payment transactions with a staff of 8,000 colleagues. Worldline position & results Thanks to a strong product portfolio supported by high-availability platforms and local services centers, Worldline today is servicing over one million merchants worldwide, from micro-merchants (mass market) to large international enterprises in various segments. Amongst others Tesco, Sainsbury’s, BP, Indian Oil Corporation, Bharat Petroleum, Hero Cycle, Hindustan Unilever, PayPal, Airbnb, Spotify, Subway, Europcar, McDonald’s are Worldline Merchant Services clients across the world. In 2020, Merchant Services continued to strengthen its leading position through various initiatives: Further strengthening its client solutions, global presence, ● market knowledge and ability to scale by acquiring and merging with Ingenico; Delivery of “Excellence in Services” while optimizing the ● cost structures to secure products competitiveness for its customers; Build long term relationships with key customers and ● accelerating international expansion to better serve global customers through investment in sales and account management teams; Investing in new products and solutions like: ● Development of OneCommerce Hub, offering one single ● platform for pan-European in-store and global omni-channel payments for multi-country merchants, Value added services, creating additional and new ● merchant benefits in e.g. Merchant Wallet, Dynamic Currency Conversion, Developing new solutions arising out of PSD2, like ● Account to Account Payments (instant payments) as well as specific services based on AISP (account information services) and PISP (payment initiation services) related roles and responsibilities,


Universal Registration Document 2020


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