Worldline - Registration Document 2016

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Business The Group’s business

The Group’s digital self-service current customer base includes: train operating companies in the United Kingdom, providing Railway customers . The Group serves more than a dozen ● kiosks that allow customers to purchase and pay for tickets and to collect pre-paid tickets; Hotel customers . The Group provides kiosks for check-in, ● hotel restaurant reservations and payment services to a

number of hotels in the United Kingdom, the Netherlands and the United States; Movie chains . The Group provides kiosks for ordering and ● movie theatres in UK. purchasing movie tickets or picking up prepaid tickets at

Financial Services (formerly “Financial Processing & Software

6.5.2

Licensing”)

Licensing solutions to banks throughout the Asia and Pacific payment services processor in India and also offers Software the top five banks and three major credit card companies use region, with a particularly strong base in China, where three of the Group’s licensed financial processing software. (incl. equensWorldline SE) generated a revenue of € 500.0 million in The global business line Financial Services

Company is to be the leading and most innovative payment service provider for financial institutions in Europe. former shareholders of Equens at 36.4%. The ambition of the equensWorldline SE, owned by Worldline at 63.6% and by the business processes involved in allow financial institutions to outsource some or all of the issuing payment cards; (i) Acquiring Processing of electronic payment transactions; (ii) processing non-card electronic payments; and (iii) offering digital banking services. Expertise in technology is a (iv) key differentiator in our markets and financial institutions In 2016 the activities of Worldline’s Financial Processing & merged with Equens 1 The merger resulted in the creation of Software Licensing global business line have been successfully equensWorldline delivers products, services and solutions that solutions. equensWorldline is in the unique position to are moving more and more towards innovative digital state-of-the-art innovative products, services and solutions leverage the Group IT knowledge and provide way (e.g. instant payments, mobile wallets, fraud & risk to financial institutions in a seamless, secure and efficient company in Europe. More than 250 financial institutions trust equensWorldline is the industry’s largest transaction processing their services to equensWorldline. The Company has circa 7.5 billion card transactions and 10 billion payment transactions 100 million payment cards under management and processes payment experts and has an undisputed pan-European reach per annum. The new company employs more than 3,000 positions in key geographic markets including France, Germany, with offices in 8 European countries and leading market financial institutions such as BNP Paribas, DZ Bank, ICBPI and Benelux and Italy. Key clients of equensWorldline include major ING. In addition to the equensWorldline activities in Europe, the Iberia. The Group believes that it is the leading independent Group is also present in other regions including India, APAC and authentication solutions). management, digital banking services, strong

2016 with an OMDA margin of 26.1%.

6.5.2.1

Card Solutions for Issuers

Core Processing andCard Issuing Services

authorization across the card network to the issuing bank, which transaction amount. These processing activities are carried out provides an authorization that guarantees payment of the use the Group’s software platforms on behalf of the issuing on the Group’s servers, which are housed in its data centers and are designed to securely, reliably and efficiently handle large bank. The Group’s robust, industrial scale processing systems interfaces that allow the issuing bank to monitor the status of transaction volumes with minimal lag times, and include authorizations and transactions. In addition to technical for ATM withdrawals, the acquirer transmits a request for an transactions. When a cardholder presents a card for payment or solutions to outsource every stage of the card life cycle, processing of transactions, the Group offers issuing banks statement production, chargebacks processing, settlement and including application, card issuance and personalization, 100 million cards. The Group’s largest markets for these services call-center support. In 2016, the Group managed over are Germany, Belgium, France, Netherlands, Finland and Italy. solutions for outsourcing some or all of the process of issuing The Group offers issuing banks a complete end-to-end set of processing the related authorization requests and clearing and managing debit, credit, prepaid and commercial cards and

Except for Financial Processing businesses in Asia, Latin America & Spain. 1

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Worldline 2016 Registration Document