Worldline - Registration Document 2016

Corporate and social responsibility report Annex III - Integrating sustainability inWorldline’s business

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Integrating sustainability inWorldline’s business

Building an integrated thinking

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risks in the digital area [GRI 102-15] and Market trends, opportunities and [GRI 103-1 Economic Performance]

complying with their corporate objectives as well as committing challenges while developing new revenue streams and fraud, money laundering and, all types of financial violation in to economic transparency by fighting the shadow economy, wants to provide better support for its clients’ sustainability invested in payment and digital services assets. The Company social progress for society at large, Worldline has significantly In response to this demand, and as a key actor committed to By contributing to its customers’ economic growth and impacts: sustainability offerings, Worldline’s solutions have the following Economic defining payment industry sector standards, but also by user ecosystem is ruled by international and local regulations practices and habits which must also be taken into account. ecosystem which involves more and more stakeholders. This Worldline’s sensitive activities, in terms of risk, take place in an Worldline has a key role to play in this context by making the markets access beyond payment as online services, personal economy more open and transparent and by improving services, mobility, digitalization and secure confidence in commitment, Worldline is recognized as a trusted third party traceability. Thanks to its innovative solutions and corporate partner supporting its customers’ growth. general. Resources strategy with operational needs, to better anticipate In order to meet those challenges, Worldline fully aligns Human the right skills for a qualified workforce on a global scale, growth and its impact on personnel needs. This means having retaining talents and as a result, being considered as an delivering development programs for its collaborators to grow, Environmental years and is still a major energy consumer. Worldline believes The IT sector has grown very significantly over the last 10 to 15 better use of resources and more specifically of energy. that technological progress also brings valuable solutions for a Social attractive player on the market.

main disruptive elements that are driving the entire payment stabilized. ecosystem towards a new business model which has not yet PSD2 Directive which is in the process of being applied, are the the continuing pressure of regulatory changes, such as the mindsets, such as the GAFA, neo-banks and Fintech, as well as new digital players, often with different economic models and industry to which it is bringing significant changes. The arrival of The digital revolution is gradually extending to the payment the Company, irrespective of the mean used. digitization of processes facilitates a seamless digital experience “pull” model that is more based on supply. Furthermore, the to the consumer with no interruption of his/her interaction with The digitization of processes allows a better fit between offers geographical proximity for the latter, via a more “push” than and customer needs by improving responsiveness and Worldline encourages simple and efficient systems that optimize paper or cards. the use of resources, for example, by removing unnecessary Digitization of processes and optimize services and products and to create new ones. information provides very valuable elements on how to improve Data analysis is still a fairly green field and continuous data flows. As mentioned previously, the analysis of this innovation is gradually facilitating the processing of very large it extremely intertwined. New technologies will enable us to involves a lot of stakeholders. Legacy and evolution have made participants (lower costs), less computer processing (lower simplify the way financial transactions are realized with fewer The classic payment value chain is very complex, costly and (enhancing the customer experience). energy consumption), and fewer customer interactions Investment for the future

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Worldline 2016 Registration Document