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Corporate and social responsibility report
Annex III -
Building client’s trust with fully available and secured platforms and reinforcing value for clients
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Worldline
2016 Registration Document
secured platforms and reinforcing value for clients
through sustainable and innovative solutions
Building client’s trust with fully available and
A.2
Meet clients’ needs and expectations
A.2.1
regarding innovation
[AO10]
Anticipate customers’ expectations
A.2.1.1
exchange with clients about their needs and expectations and
the best ways to meet them.
innovation Workshops [AO10] were organized in 2016 to
Client innovation workshops are events where Worldline
presents new emerging technologies and trends to its clients. 10
opportunities and new services for its clients:
Worldline is focusing its innovation research and development
efforts on three main areas with the potential to create new
Trusted Services;
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User eXperience;
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High Processing and Volumes.
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Trusted Services
and services more secure for the end-customers. The key areas
include:
solutions (such as secure cloud services) and network resiliency
solutions. Key innovations that have come out of this process
of focus include innovative payment solutions, advanced
authentication solutions, cryptographic tools, data privacy
This area focuses on innovations designed to make transactions
point yet sufficient from the issuer’s side for authentication.
They can be used for all traditional authentication, including
mobile payment wallets, online banking and e-commerce
payment services;
requests to be adapted to the user, their habits, their current
location and their recent actions in order to require the least
Context oriented proposals. These allow authentication
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amount of information possible from the customer’s stand
smartphones, they will tap in their code in a very personal
way. This is also authenticated by the system. We are,
walk. Smartphones will analyze their user’s gait, which is
unique, and will recognize it. Every time users unlock their
therefore, creating an array of converging biometric user
authentication solutions.
password and use-cases. Connected services have
increased the need for integrated authentication solutions.
(fingerprint, face or voice recognition, etc.), secured element,
example, smartphones can tell their users by the way they
present their finger, face or voice at a specific time, Worldline
is looking into “upstream” biometric authentication. For
new authentication solutions. In contrast with fingerprint,
face or voice-type recognition, where users are obliged to
Worldline has been working upstream with researchers on
continuous “biometric recognition” so as to constantly offer
considered insufficient if used individually. Many rigorous
identification technologies are available, including biometrics
authentication, like payments, increase the level of trust by
combining several authentication methods that would be
Multi-factor authentication. As no single means of
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authentication is foolproof, services requiring strong
User eXperience
multiple platforms, solutions to analyze data generated by
connected devices, peer-to-peer solutions, recommendation
include augmented reality solutions, solutions to make
interactions more intuitive, solutions to enable payments across
driving, communication and entertainment. Key areas of focus
services and new devices and accessories. Key innovations that
have come out of this process include:
improve the user experience across the spectrum of activities
that Worldline’s clients engage in, including banking, shopping,
This area focuses on innovations that leverage technology to
end-to-end service, from magnet to cloud. Connected
Kitchen is launching pilots for both B2B and B2C clients;
be updated. Need to buy some tomatoes? Press the magnet
button and say “tomatoes”. Worldline provides the whole
products to buy. You’re pouring yourself the last of bottle of
milk? Scan the bottle and your shopping list in the cloud will
use the smart magnet to “scan & remind you” of the
Connected Kitchen. This enables users to save time by
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ensuring they never forget an item when shopping. You can
educational and playful experience for children and their
families while improving bank brands and loyalty. The
PayGgy. This innovative banking service concept is
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personified by a connected piggy bank that provides an
finances, payments (thanks NFC and QRcode solutions for
beginners), mobile credit top-up… and much more;
save and how to manage it. Banks need to innovate and our
solution aims to evolve with young users. As children grow,
need to save money will always exist: parents will always
need to teach their children the value of money, how to
consumer habits, and now banks will also be impacted by
the emergence of new uses. Nevertheless, coins and the
“Internet of Things” and digitalization services have changed
access to educational content, including managing personal
they have access to more and more services. They start by
saving by putting coins in their piggy bank, then have