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A
Corporate and social responsibility report
Annex III -
Integrating sustainability inWorldline’s business
269
Worldline
2016 Registration Document
Integrating sustainability inWorldline’s business
A.1
Building an integrated thinking
A.1.1
risks in the digital area
[GRI 102-15] and
Market trends, opportunities and
A.1.1.1
[GRI 103-1 Economic Performance]
main disruptive elements that are driving the entire payment
stabilized.
ecosystem towards a new business model which has not yet
mindsets, such as the GAFA, neo-banks and Fintech, as well as
new digital players, often with different economic models and
PSD2 Directive which is in the process of being applied, are the
the continuing pressure of regulatory changes, such as the
industry to which it is bringing significant changes. The arrival of
The digital revolution is gradually extending to the payment
Digitization of processes
the Company, irrespective of the mean used.
digitization of processes facilitates a seamless digital experience
“pull” model that is more based on supply. Furthermore, the
to the consumer with no interruption of his/her interaction with
The digitization of processes allows a better fit between offers
geographical proximity for the latter, via a more “push” than
and customer needs by improving responsiveness and
Worldline encourages simple and efficient systems that optimize
paper or cards.
the use of resources, for example, by removing unnecessary
Investment for the future
and optimize services and products and to create new ones.
information provides very valuable elements on how to improve
Data analysis is still a fairly green field and continuous
data flows. As mentioned previously, the analysis of this
innovation is gradually facilitating the processing of very large
it extremely intertwined. New technologies will enable us to
involves a lot of stakeholders. Legacy and evolution have made
participants (lower costs), less computer processing (lower
simplify the way financial transactions are realized with fewer
The classic payment value chain is very complex, costly and
(enhancing the customer experience).
energy consumption), and fewer customer interactions
complying with their corporate objectives as well as committing
challenges while developing new revenue streams and
fraud, money laundering and, all types of financial violation in
to economic transparency by fighting the shadow economy,
wants to provide better support for its clients’ sustainability
invested in payment and digital services assets. The Company
general.
social progress for society at large, Worldline has significantly
In response to this demand, and as a key actor committed to
By contributing to its customers’ economic growth and
impacts:
sustainability offerings, Worldline’s solutions have the following
Economic
defining payment industry sector standards, but also by user
ecosystem is ruled by international and local regulations
practices and habits which must also be taken into account.
ecosystem which involves more and more stakeholders. This
Worldline’s sensitive activities, in terms of risk, take place in an
commitment, Worldline is recognized as a trusted third party
traceability. Thanks to its innovative solutions and corporate
partner supporting its customers’ growth.
Worldline has a key role to play in this context by making the
markets access beyond payment as online services, personal
economy more open and transparent and by improving
services, mobility, digitalization and secure confidence in
Social
attractive player on the market.
Resources strategy with operational needs, to better anticipate
In order to meet those challenges, Worldline fully aligns Human
the right skills for a qualified workforce on a global scale,
growth and its impact on personnel needs. This means having
retaining talents and as a result, being considered as an
delivering development programs for its collaborators to grow,
Environmental
years and is still a major energy consumer. Worldline believes
The IT sector has grown very significantly over the last 10 to 15
better use of resources and more specifically of energy.
that technological progress also brings valuable solutions for a