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6
Business
Strategy
46
Worldline
2016 Registration Document
transformation of their sales and marketing processes and
customer relationship outreach and management. Going
forward, the Group is well positioned to forge long-standing
relationships with these global merchants, developing tailored
value added services and solutions to accommodate their
changing needs as technology and trends in consumer
behavior evolve. In addition, many of the services provided in
the Group’s Mobility & e-Transactional Services global business
line, through which the Group leverages its expertise in the
areas of payments, are highly innovative. By digitizing business
Because of this track record of innovation, the Group has started
to accompany a large number of B2C brands, such as, most
recently, McDonald’s and Accor (in France), Carrefour (in France
and Belgium, Adidas (through the innovative adiVerse virtual
footwear wall), and Sephora (Sephora Flash), in the digital
processes, processing large transaction volumes and data
analysis, Worldline supports companies and government entities
reinventing their businesses in response to the “digital
revolution”.
The Group has proven strength with its own intellectual
property and research and development capabilities, which are
supported by more than 4,500 engineers and are key enablers
of the Group’s capacity for innovation and improvement.
contract, the development of an end-to-end platform that
generates business opportunities, the transformation of such
opportunities into orders or purchase decisions, the processing
of all types of resulting payments, and the provision of related
value added services. The Group considers this a major
competitive advantage vis-à-vis most of its competitors, who
often need to form consortia with other industry players in
order to provide a similarly wide range of services, which can
lead to issues in terms of allocation of responsibilities and
coordination risks and complicate client relationships.
Finally, the Group is able to provide its clients with turn-key
solutions that include, for example, within the context of a single
Strategy
6.4
Further expand into high growth payment segments to secure long
6.4.1
termgrowth
The Group intends to secure long-term growth by expanding
further into the higher growth segments of the rapidly evolving
payments sector and thereby capitalizing on the wealth of
opportunities emerging as society undergoes a systemic digital
transformation. This ambition will rely on its high-end payment
technological capacities that can be seamlesslyintegrated in a
larger value chain, on its exceptional successses in innovation,
and on its strong research and development platform.
In order to fully capture the growth potential in the digital
payments market, the Group intends to continue to design, build
and always deliver faster, easier, more secure payments
solutions, such as Merchant Wallets or Mobile Acceptance for
merchants, marketplaces, etc. The Group will continue
developing and expanding the delivery of its m-Commerce and
Digital Retail products, provided either in a modular way, or
bundled with acceptance and acquiring services for smaller
merchants, to generate payment transactions and boost
customer engagement with the brands.
The Group will also help banks and financial institutions to
switch to digital payments, by enabling them to provide their
own Digital Wallet, embedded into Digital Banking and enriched
with new value-added services around payments that were not
possible with cards; and also to generate transactions through
integration in popular third party Wallets, such as those provided
by OEMs, thanks to the Group’s Token Service Provider offer,
built in 2015. In the context of PSD2 and Interchange Fee
regulations in Europe, The Group will continue to develop
account-based payment, the capture of new transactions
volumes. The Group will of course support as well new financial
institutions and payment players who will focus directly their
services on digital payments and will launch a new range of
services aimed at facilitating the banks’ compliance with the new
PSD2 directive. These services will also allow banks and
merchants to develop new payment and account integration
services as authorized by the regulation and will enable the
capture of new transactions volumes. The Group will of course
support as well new financial institutions and payment players
who will focus directly their services on digital payments.
Finally, the Group will continue to develop new services and
business models around connected devices and Internet of
Things, with a layered Connect/Manage/Transform approach
that has already proven successful with customers, in order to
monetize the value of data collected. In order to leverage its
positions in public transportation and to create new Digital
Journey Services, the Group will propose solutions such as
Open Payments, that will completely transform the way
passengers travel.
To this end, the Group will leverage its expertise in mobile,
well as that of its strategic partners such as Xerox.
context and data, the expertise of its parent company Atos as