Worldline - Registration Document 2016

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Business The Group’s business

Merchant Aggregator

Merchant Wallet

identification (like loyalty, self check-in, couponing…) payments easier but also any kind of services requiring an The Merchant Wallet is a secure container of identity making reduce fraud and strengthen the merchants’ customers The group helps merchants to increase their conversion rate, to simplifies transactions with a one-touch payment and an engagement with the Merchant Wallet. The Merchant Wallet security. The group’s merchant wallet is managed in a enhanced shopper experience without any compromise on smartphones) with an enriched, personalized and seamless centralized platform available on several channels (internet, experience. HCE (host card emulation) to manage uniquely remote The group’s Merchant Wallet includes three main differentiators: allowing online provisioning of cards into the wallet; a contextual payments and proximity payments in the same wallet container experience, calculated on risks based fraud detection and and adaptive authentication to improve the shopping identified transactions; security improvements with a white-box requiring a trusted authentication (several factors) for high risk cryptography and a software tamper resistance. Merchant Wallet is used for instance by Accor, Mc Donald’s France and a major petrol company. allowing giving autonomy to End-customers in-store. scheduled publications, prices and promotions modifications partnered with Metro to help heads of departments to manage partners in developing these services. As an example, Worldline and centralize communication to customers with real-time and help companies (like retailers, hotels, bank agencies) promote The Group’s end-to-end data-driven digital signage solutions promotions cross-channel. The Group works closely with shopper or customer engagement and offer targeted “in-store” existing digital ecosystem. The combination of connected stores (commerce anywhere) for the customer no matter where he is and online experiences (like webshop) allow a seamless journey retailers like Sephora. (home, street or store). The group provides Connected Store to an open and modular solution that can easily integrate an engagement with an enriched and personalized experience. It is Digital platform The Digital Platform is a real-time oriented, scalable and secure marketing applications. It allows to merchants a progressive core platform linked with commerce, payment, data and digital approach by connecting new applications to legacy business applications, unique referential and business data to assets in an easier and cost-effective way and orchestrating enhance the user experience. In addition to the signage providing content information or that transforms a marketing touchpoint into a new sales dynamic content, the Group also proposes the Connected Store touch points in order to boost sales and reinforce customer channel: the connected store interacts with customers on digital Digital Signage Connected Store

e-commerce Merchants like Sub Merchants. The Group is developing its offering based on two different models: The Group offers Merchant Aggregator services in India Aggregators are treated like a Super Merchant by the banks and leveraging on its bank relationships where Merchant Core aggregation, where Worldline undertakes end-to-end ● along with settlement and payment; aggregation from merchant sourcing, risk underwriting and underwrites risk, partner banks settle merchant Hybrid aggregation, where Worldline sources merchants ● payments – key differentiator between WL and competition. As a Merchant Aggregator, the Group is a Super Merchant through which individual e-commerce Merchants (Sub as a Super-Merchant allow Sub-Merchants to accept credit card, Merchants) can process their payment transactions. The Group, setup a Merchant account directly with a bank. The Group debit card, various cash cards, bank transfers without having to via credit cards, stored value cards, bank transfers. The provides the means for facilitating payment from the consumer cycles. The Group provides the Hosted Payment Page and Sub-Merchant is paid by the Group on the agreed payment Sub-Merchants. underwrites the risk and passes the risk or liability to the The Group’s Online Services division covers the full digital channel solutions using the Digital Retail offerings to the commerce lifecycle for Merchants from webshops and omni (e-Payment and mobile payments). acceptance of face-to-face payments and online payments Digital Retail The Digital Retail offers include the following components Web shopping improve digital retail shops, with a strategic focus on The Group helps merchants design, implement, operate and channels used by large retailers allowing simple, personalized omni-commerce solutions that cover the full range of sales customers. interactions at the time and on the channels required by the websites on behalf of its merchant clients, which include leading The Group manages around one hundred of digital retail processed up to 2.7 million orders per month through this French large-scale retail distributors. In 2016, the Group in France, Spain, the United Kingdom and Belgium. The Group’s Worldline currently offers its omni-commerce solutions primarily own e-Commerce website, redspottedhanky.com, through omni-commerce solutions also include revenue generated by its and other travel-related purchases. which the Group receives commissions on sales of train tickets channel. Online Services 6.5.1.4

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Worldline 2016 Registration Document