Worldline - Registration Document 2016

Business Industry andmarket overview

Immediate Payments Immediate payments (also referred to as instant or real-time payments) have incredible potential for both retail and corporate payments and the long-term impact on the payment ecosystem will be significant. Throughout the world, the number of real-time payment initiatives of one form or another is increasing. In Europe, the European Payment Council published its SEPA Instant Credit Transfer (SCT Inst) scheme rulebook and EBA Clearing, the bank-owned pan-European clearing house, recently announced it had secured the support of nearly 40

financial institutions in its efforts to build a pan-European instant payment platform. According to the 2016 World Payment Report, Immediate Payments have many advantages over cash and cheques and are thus ideally suited to replace these instruments. However, driven by mobile applications, they also have the potential to challenge the debit card. The key success factors are all within reach, in particular ubiquity, interoperability, enhanced user experience and price.

REAL-TIME PAYMENT INITIATIVESAROUNDTHEWORLD

Sweden -BIR

Norway -InstantPayments

Danemark -Realtime24/7

Finland

Poland -ELixir

UnitedKingdom -FPS

USA -NATCHA Samedayclearing

China -IBPS

Japan -Zengin

Switzerland -SIC

Turkey -TIC

SouthKorea -HOFINET

6

Taïwan -FISC

Mexico -SPEI

India -IMPS

Singapore -FAST

Nigeria -NIBSS

Brazil -SITRAF

Australia -NPP

Chili -TEF

Partialorplanned

Inoperation

Source : Capgemini/RBS-World payment report (2015)

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Worldline 2016 Registration Document

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