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6
Business
The Group’s business
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Worldline
2016 Registration Document
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,
●
number of hotels in the United Kingdom, the Netherlands
hotel restaurant reservations and payment services to a
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”)
Company is to be the leading and most innovative payment
service provider for financial institutions in Europe.
In 2016 the activities of Worldline’s Financial Processing &
merged with Equens
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The merger resulted in the creation of
Software Licensing global business line have been successfully
former shareholders of Equens at 36.4%. The ambition of the
equensWorldline SE, owned by Worldline at 63.6% and by the
equensWorldline delivers products, services and solutions that
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)
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
authentication solutions).
management,
digital
banking
services,
strong
offering digital banking services. Expertise in technology is a
(iv)
key differentiator in our markets and financial institutions
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
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.
2016 with an OMDA margin of 26.1%.
The
global
business
line
Financial
Services
(incl.
equensWorldline SE) generated a revenue of €
500.0 million in
Card Solutions for Issuers
6.5.2.1
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
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
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.
Except for Financial Processing businesses in Asia, Latin America & Spain.
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