Worldline - 2020 Universal Registration Document

DESCRIPTION OF THE GROUP’S BUSINESS Strategy

Large deals expertise: maintain commercial focus C.5.2 on large outsourcing deals and new bank alliances

Worldline intends to maintain a strong commercial focus on new large payment outsourcing contracts with banks, which is proving to be a sustained trend in the market. As regulatory changes alter the mechanics of the payment services industry in Europe, financial institutions, forced to reassess their cost structures, are expected to increasingly opt to outsource key functions to third party payment service providers. In 2020, UniCredit, following this trend and in line with the contract signed with Commerzbank in2018, decided to enter a long term strategic partnership with equensWorldline for the processing of all SEPA (Single Euro Payments Area), instant, multi-currency, domestic and high value payments.

Given its expertise in large deals elaboration, its scale, its leadership position within the European payments market and full range of services offered across the extended payment value chain, the Group is ideally positioned to capture additional business from banks willing to outsource their payment infrastructure but also looking for a partner to jointly provide merchants with advanced acquiring and payment processing services. Furthermore, the Group expects to be well-placed to capture additional business from banks looking to enhance revenue streams through the provision of additional value added services to their customers.

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Focus on online: grow above market Worldline online C.5.3

and omni-channel payments, leveraging One Commerce Hub and Digital Banking

Worldline believes that the future will be dominated by omni-channel, contextual commerce that engages customers, drives traffic to the store, enhances the customer experience and improves brand loyalty. The Group’s growth plans in online foresee a dual approach: Growing the small and mid-sized merchant market ● segments in new geographies via a simple to use omni-channel solution;

Growing the worldwide online segment for large pure ● online players via new local payment methods and pushing towards new geographies and emerging markets. In parallel Worldline Digital Banking platform, innovative, flexible and scalable will accompanyt he rapid transformation of the banking industry, driven by regulatory initiatives (such as PSD2) or the evolution of customer’s behavior.

Innovation and investment: ensure successful market breakthrough C.5.4 with latest differentiating offers

Worldline is more and more recognized as an innovative leader due to a comprehensive and innovative portfolio of proprietary

all the innovation and regulatory initiatives helping to revamp its offers and continuously look to best serve its customers

solutions for banks, merchants and for any other sector where providing them the most advanced solutions. transactions are at the heart of business. The Group will grab

Integration know-how: enable fastest possible delivery C.5.5 of Ingenico and SIX Payment Services synergy plans

Over the years, the Group has developed a strong expertise technology. Over the 2 coming years, Worldline will focus and and know-how in newly acquired companies’ integration. tightly monitor the efficiency and quick delivery of the synergy Worldline has proven its ability to integrate them consistently plans of Ingenico and SIX Payment Services. in terms of management, processes, efficiency methods,

Universal Registration Document 2020

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