Worldline - Registration Document 2016

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Business Strategy

transformation of their sales and marketing processes and customer relationship outreach and management. Going forward, the Group is well positioned to forge long-standing relationships with these global merchants, developing tailored value added services and solutions to accommodate their changing needs as technology and trends in consumer behavior evolve. In addition, many of the services provided in the Group’s Mobility & e-Transactional Services global business line, through which the Group leverages its expertise in the areas of payments, are highly innovative. By digitizing business Because of this track record of innovation, the Group has started to accompany a large number of B2C brands, such as, most recently, McDonald’s and Accor (in France), Carrefour (in France and Belgium, Adidas (through the innovative adiVerse virtual footwear wall), and Sephora (Sephora Flash), in the digital processes, processing large transaction volumes and data analysis, Worldline supports companies and government entities reinventing their businesses in response to the “digital revolution”.

The Group has proven strength with its own intellectual property and research and development capabilities, which are supported by more than 4,500 engineers and are key enablers of the Group’s capacity for innovation and improvement. Finally, the Group is able to provide its clients with turn-key solutions that include, for example, within the context of a single contract, the development of an end-to-end platform that generates business opportunities, the transformation of such opportunities into orders or purchase decisions, the processing of all types of resulting payments, and the provision of related value added services. The Group considers this a major competitive advantage vis-à-vis most of its competitors, who often need to form consortia with other industry players in order to provide a similarly wide range of services, which can lead to issues in terms of allocation of responsibilities and coordination risks and complicate client relationships.

Strategy 6.4

Further expand into high growth payment segments to secure long

6.4.1

termgrowth

The Group intends to secure long-term growth by expanding further into the higher growth segments of the rapidly evolving payments sector and thereby capitalizing on the wealth of opportunities emerging as society undergoes a systemic digital transformation. This ambition will rely on its high-end payment technological capacities that can be seamlesslyintegrated in a larger value chain, on its exceptional successses in innovation, and on its strong research and development platform. In order to fully capture the growth potential in the digital payments market, the Group intends to continue to design, build and always deliver faster, easier, more secure payments solutions, such as Merchant Wallets or Mobile Acceptance for merchants, marketplaces, etc. The Group will continue developing and expanding the delivery of its m-Commerce and Digital Retail products, provided either in a modular way, or bundled with acceptance and acquiring services for smaller merchants, to generate payment transactions and boost customer engagement with the brands. The Group will also help banks and financial institutions to switch to digital payments, by enabling them to provide their own Digital Wallet, embedded into Digital Banking and enriched with new value-added services around payments that were not possible with cards; and also to generate transactions through integration in popular third party Wallets, such as those provided by OEMs, thanks to the Group’s Token Service Provider offer,

built in 2015. In the context of PSD2 and Interchange Fee regulations in Europe, The Group will continue to develop account-based payment, the capture of new transactions volumes. The Group will of course support as well new financial institutions and payment players who will focus directly their services on digital payments and will launch a new range of services aimed at facilitating the banks’ compliance with the new PSD2 directive. These services will also allow banks and merchants to develop new payment and account integration services as authorized by the regulation and will enable the capture of new transactions volumes. The Group will of course support as well new financial institutions and payment players who will focus directly their services on digital payments. Finally, the Group will continue to develop new services and business models around connected devices and Internet of Things, with a layered Connect/Manage/Transform approach that has already proven successful with customers, in order to monetize the value of data collected. In order to leverage its positions in public transportation and to create new Digital Journey Services, the Group will propose solutions such as Open Payments, that will completely transform the way passengers travel. To this end, the Group will leverage its expertise in mobile, well as that of its strategic partners such as Xerox. context and data, the expertise of its parent company Atos as

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Worldline 2016 Registration Document