Worldline - 2020 Universal Registration Document

C

DESCRIPTION OF THE GROUP’S BUSINESS Competitive Strengths

Comprehensive unique positioning across the extended payments C.2.2 value chain

The Group provides a wide range of solutions across the extended payments value chain. Worldline’s business extends from: The “core” electronic payment services traditionally offered ●

To innovative services provided to emerging new digital ● businesses (e-Ticketing, e-Government, e-Consumer and Connected Living services). The Group’s breadth of services allows it to provide flexible and tailored solutions to address client needs, while also reducing their risk and upfront costs ( e.g. offering fee structures based on transactional revenue in all or part rather than on project builds). By offering solutions across the payment value chain, the Group can extract more value at each point of the transaction lifecycle, while relying less on any particular business line, solution or technology. The Group’s policy of promoting the sharing of best practices, developments and synergies across Global Business Lines permits improved operational and production efficiencies throughout the Group. This creates a virtuous circle that leads to the creation of further value. Furthermore, the Group’s positioning across the extended payments ecosystem affords it a complete perspective on the electronic payments industry, permitting it to react quickly to regulatory or other changes and to capitalize on new opportunities generated by them.

to merchants and banks: Commercial acquiring, ●

Acquiring and Issuing Processing, ● Payment acceptance solutions, ● SEPA transaction processing; ● To “extended” value-added services for merchants and ● bank: Digital Banking, ● Mobile authentication, ● Mobile payment & wallets, ●

Card-linked offers, ● Private label cards, ● Loyaltypro grams, ● Omni-commerce services; ● To payment Terminals and related Services; ●

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Universal Registration Document 2020