Worldline - Registration Document 2016

Corporate and social responsibility report Annex III - Building client’s trust with fully available and secured platforms and reinforcing value for clients

Building client’s trust with fully available and A.2

secured platforms and reinforcing value for clients through sustainable and innovative solutions

Meet clients’ needs and expectations

A.2.1

A.2.1.1

regarding innovation [AO10] Anticipate customers’ expectations

smartphones, they will tap in their code in a very personal way. This is also authenticated by the system. We are, walk. Smartphones will analyze their user’s gait, which is unique, and will recognize it. Every time users unlock their therefore, creating an array of converging biometric user authentication solutions. example, smartphones can tell their users by the way they present their finger, face or voice at a specific time, Worldline is looking into “upstream” biometric authentication. For multiple platforms, solutions to analyze data generated by connected devices, peer-to-peer solutions, recommendation include augmented reality solutions, solutions to make interactions more intuitive, solutions to enable payments across driving, communication and entertainment. Key areas of focus services and new devices and accessories. Key innovations that have come out of this process include: improve the user experience across the spectrum of activities that Worldline’s clients engage in, including banking, shopping, This area focuses on innovations that leverage technology to Connected Kitchen. This enables users to save time by ● ensuring they never forget an item when shopping. You can end-to-end service, from magnet to cloud. Connected Kitchen is launching pilots for both B2B and B2C clients; be updated. Need to buy some tomatoes? Press the magnet button and say “tomatoes”. Worldline provides the whole products to buy. You’re pouring yourself the last of bottle of milk? Scan the bottle and your shopping list in the cloud will use the smart magnet to “scan & remind you” of the PayGgy. This innovative banking service concept is ● personified by a connected piggy bank that provides an educational and playful experience for children and their families while improving bank brands and loyalty. The consumer habits, and now banks will also be impacted by the emergence of new uses. Nevertheless, coins and the “Internet of Things” and digitalization services have changed save and how to manage it. Banks need to innovate and our solution aims to evolve with young users. As children grow, need to save money will always exist: parents will always need to teach their children the value of money, how to User eXperience finances, payments (thanks NFC and QRcode solutions for beginners), mobile credit top-up… and much more; access to educational content, including managing personal they have access to more and more services. They start by saving by putting coins in their piggy bank, then have

exchange with clients about their needs and expectations and the best ways to meet them. innovation Workshops [AO10] were organized in 2016 to Client innovation workshops are events where Worldline presents new emerging technologies and trends to its clients. 10 opportunities and new services for its clients: Worldline is focusing its innovation research and development efforts on three main areas with the potential to create new Trusted Services; ● User eXperience; ● High Processing and Volumes. ● and services more secure for the end-customers. The key areas of focus include innovative payment solutions, advanced authentication solutions, cryptographic tools, data privacy This area focuses on innovations designed to make transactions include: solutions (such as secure cloud services) and network resiliency solutions. Key innovations that have come out of this process requests to be adapted to the user, their habits, their current location and their recent actions in order to require the least Context oriented proposals. These allow authentication ● amount of information possible from the customer’s stand point yet sufficient from the issuer’s side for authentication. They can be used for all traditional authentication, including mobile payment wallets, online banking and e-commerce payment services; Multi-factor authentication. As no single means of ● authentication is foolproof, services requiring strong password and use-cases. Connected services have increased the need for integrated authentication solutions. (fingerprint, face or voice recognition, etc.), secured element, Worldline has been working upstream with researchers on continuous “biometric recognition” so as to constantly offer considered insufficient if used individually. Many rigorous identification technologies are available, including biometrics authentication, like payments, increase the level of trust by combining several authentication methods that would be new authentication solutions. In contrast with fingerprint, face or voice-type recognition, where users are obliged to Trusted Services

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Worldline 2016 Registration Document