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6
Business
Competitive strengths
45
Worldline
2016 Registration Document
Unique comprehensive positioning across the extended payments
6.3.2
value chain
offering fee structures based on transactional revenue in all or
part rather than on project builds). By offering solutions across
the payment value chain, the Group can extract more value at
each point of the transaction lifecycle, while relying less on any
particular business line, solution or technology. The Group’s
policy of promoting the sharing of best practices, developments
and synergies across global business lines permits improved
operational and production efficiencies throughout the Group.
This creates a virtuous circle that leads to the creation of further
value.
and Issuing Processing, payment acceptance solutions, SEPA
transaction processing), to “extended” value-added services for
merchants and banks (e.g., digital banking, mobile
authentication, mobile payment & wallets, card-linked offers,
private label cards, loyalty programs, and omni-commerce
services), and innovative services provided to emerging new
digital businesses (e-Ticketing, e-Government, e-Consumer and
Connected Living services). The Group’s breadth of services
allows it to provide flexible and tailored solutions to address
client needs, while also reducing their risk and upfront costs (e.g.,
The Group provides a wide range of solutions across the
extended payments value chain. Worldline’s business extends
from the “core” electronic payment services traditionally offered
to merchants and banks (e.g., Commercial Acquiring, Acquiring
Furthermore, the Group’s positioning across the extended
payments ecosystem affords it a complete perspective on the
electronic payments industry, permitting it to react quickly to
regulatory or other changes and to capitalize on new
opportunities generated by them. In particular, the Group’s
strong and broad relationships with key banks in Benelux,
France, Germany and China should position it well to seize
outsourcing and other opportunities that may arise from
regulatory changes.
Leading presence in next-generation payment services
6.3.3
(patented), Host Card Emulation payment platform (patented)
and EMVco compliant tokenization platform.
success of its current portfolio of online payment solutions,
including Sips (electronic payment gateway), iDEAL, and
innovative Online Banking and e-Commerce services. In mobile
payment solutions, the Group benefits from a technology
neutral positioning, serving an array of banks, card payment
schemes, merchants and telecommunications providers, and
has the flexibility to offer both own-brand and white label
solutions. Thanks to a clear vision and strong R&D, the Group
possesses key assets for digital wallet and mobile payment, such
as PCI-DSS card container, strong software authentication
The payment services market is rapidly evolving and the Group
is well placed to capitalize on growth in next generation
payment services. Already positioned as an online payments
market leader in France and in the Netherlands, the Group is
positioned to expand its next-generation online payment
services across its global footprint, leveraging the strength and
The Group also offers mPOS devices and mobile payment
solutions for tablets, which are targeted at micro merchants,
start-ups, and small businesses or specific sectors such as
restaurants and movie theaters. Whether through loyalty
programs and customer relationship management (CRM)
services or solutions that capture “big data” opportunities and
other value added services, the Group is continually expanding
its portfolio of innovative payment-related solutions for its
merchant clients, allowing them to engage with and support
their
customers
throughout
the
duration
of
the
merchant-customer relationship
– before, during and after the
sale.