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an atos company
Annual report 2014
Corporate social responsibility report 2014

annual report 2014

Worldline: 40 years of connections and interactions

Worldline is the European leader in the payments and transactional-services industry, delivering new-generation services that enable its customers to offer smooth and innovative solutions to end consumers.

As a key B2B2C actor, Worldline can rely on 40 years of experience to implement a unique flexible business model and help clients on an ever-changing market.

Organized around three axes (Merchant Services & Terminals, Mobility & e-Transactional Services, Financial Processing & Software Licensing), Worldline employs over 7,300 people worldwide and generated 1.15 billion Euros of revenue in 2014.

Worldline: 40 years of connections and interactions

Message from Thierry Breton,

Atos Chairman and Chief Executive Officer,
Worldline Chairman

Thanks to the tireless effort of our teams, 2014 has been a fruitful year for Worldline both in its day-to-day operations and in completing the IPO successfully.

This decade is the decade of payment. Carving-out Atos payment and transactional activities and listing Worldline was important for ensuring that we benefit optimally from the huge opportunities currently available. It has allowed Worldline’s people to work together more effectively, with clear internal and external visibility of the company’s progress and strengthened operational performance. It has also given Worldline the strategic and financial flexibility to expand and confirm its leading position in the sector.

Great care and thought has gone into ensuring that Worldline will be successful. With more than forty years of pioneering technical innovation and business understanding behind it, Worldline will, I know, fulfill all our hopes. It is already a key asset in the Atos Group.

Read the full message from Thierry Breton

Interview with Gilles Grapinet,

Worldline CEO

In 2014 we delivered on all our business objectives. Beyond reinforced external visibility, the listing has also proved a very powerful internal lever for motivating our teams. It creates a new benchmark to measure our performance and allows us to set-up new long-term incentive mechanisms for our people. The IPO brought us all we had hoped for, including the strong balance sheet that gives us the financial capability to play a more dynamic role in the consolidation of the payment industry. As soon as the IPO was behind us, the management team and I could reallocate our priorities. We clearly intend to use our new levers to look for acquisitions that might bring sales, cost or innovation synergies.

Read the full interview with Gilles Grapinet
Watch the interview
Gilles Grapinet

Interview with Gilles Grapinet

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Three-pillars of competence for payment
and digital services

Worldline delivers new-generation services that enable its customers to offer the end
consumer smooth and innovative solutions. With over 40 years experience, the company
is ideally positioned to contribute to the success of all businesses and administrative
services, across the globe.

  • Merchant Service and Terminals Merchant Service
    & Terminals

    Weaving seamless experiences

    Merchant Services & Terminals (MST) helps merchants increase their sales by facilitating consumer engagement with payment as the “single point of truth”. This includes design, implementation and day-to-day management. Thanks to Worldline, merchants fully benefit from technological consumer innovations.

  • Mobility and e-Transactional Services Mobility &
    e-Transactional Services

    Creating new contextual digital products

    Financial Processing & Software Licensing (FPL) provides banks and financial institutions with processing services. Worldline helps customers optimize processes and anticipate changes. FPL provides solutions that meet the highest expectations. Worldline shapes its customers’ future and strengthens their competitive advantage with innovative solutions.

  • Financial Processing and Software Licensing Financial Processing
    & Software Licensing

    Transforming cashless payments

    Mobility & e-Transactional Services (MTS) helps businesses and governments develop new digital services by harnessing technologies and solutions, and by enabling strategic digital transformation. Our customers need an end-to-end partner to support them in their digital transformation. Worldline creates innovative, contextual digital products for business innovation and operational efficiency.

Read our story

Worldline: 40 yearsof connections and interactions

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our story

Connected People

  • I book my airline tickets online and benefit from personalized carhire deals.
    P. Marchal

    P. Marchal Management assistant

    Worldline Data Value Factory is a marketplace for sharing and generating value from customer profiles at the right moment. I book my airline tickets online and benefit from personalized car rental deals.

  • As an avid user of public transport, I have my virtual travel pass on my mobile phone. It’s easy. With my mobile application, I can reload my travel card online in minutes.
    J-S Baklouti

    J-S Baklouti R&D Engineer

    Worldline offers an innovative public transport solution that enables users to top up their travel cards on smartphones. I can do it online in just a few minutes.

  • Buying my cinema tickets online is secure, thanks to my supplier’s wallet solution.
    C. Jozwiak

    C. Jozwiak Head of Web & Digital Banking
    Department

    Worldline provides an end-to-end online payment solution that works on any device and is complete, secure and proven. Buying my movie tickets online is secure, thanks to my supplier’s wallet solution.

  • At my local store, I pay for purchases by smartphone, using our HCE technology solution and on our NFC terminals.
    A. Khan

    A. Khan Information Analyst

    Worldline supplies payment terminals for fixed or itinerant small stores. The easy-to-use, secure YOMANITM terminal, is equipped with a contactless reader for payment by card or smartphone.
    At my local store, I pay with a smartphone, using our HCE-technology solution and NFC terminals.

  • I’m accompanied at recruitment fairs by Hyve, our robot. I present Worldline and, with Hyve, I can show what we do concretely. Discussions can then take on a new dimension.
    A. Waucquier

    A. Waucquier Recruiting, Campus Relations and Mobility

    Hyve, a product born of teamwork between Worldline’s R&D and Human Resources departments is used in recruitment fairs to propose job offers that match candidates’ résumés. I present Worldline at recruitment fairs and, with Hyve, I can show what we do concretely. Discussions take on a whole new dimension.

  • My car’s a connected car, which simplifies my daily life. It talks to me and saves me time by proposing me services according to my schedule.
    J. Mase

    J. Mase Graphical designer for disability employment program

    Worldline was the first company to deliver solutions for connected vehicles, with Renault’s R-Link —a connected, onboard multimedia system. The offer provides innovative solutions and business models for connected vehicles, homes, cities, infrastructures and buildings. My connected car saves me time by proposing services to me according to my schedule.

  • Thanks to my mobile banking application, I can reimburse Paul for Virginia’s present by bank transfer.
    M. Gustin

    M. Gustin Quality & Certification Manager

    Worldline helps banks define and design bank account management applications for final customers. Thanks to my mobile banking application, I can easily use bank transfers.

Henri DESPORTES : Worldline General Manager

Interview with Marc-Henri Desportes

Worldline General Manager

Employee satisfaction at work is a major point of attention
for all Worldline managers
Read the full interview
Christophe DUQUENNE : Chief Technical Officer and Managing Director for Merchant Services & Terminals

Christophe Duquenne

Chief Technical Officer and Managing Director
for Merchant Services & Terminals

Production: beyond mere excellence

For a company operating in the domain of electronic payment, consistent excellence in quality of production is a minimum requirement. Worldline takes excellence to new levels, anticipating future needs with major investment in the updating and rationalizing of its platforms.

Read the full interview
Nathalie Pousin : Chief Operating Officer

Nathalie Pousin

Chief Operating Officer

TEAM: a key strategic program

Positioned in a dynamic payment market, Worldline aims to benefit fully from the market's growth. In this context, in 2014, the company set in motion a 3-year global transformation program, called TEAM, to deliver greater efficiency by leveraging best-in-class solutions and focusing on systematic integration and industrialization.

Read the full interview
Sébastien Mandron : Corporate Social Responsibility Officer

Sébastien Mandron

Corporate Social Responsibility Officer

Sustainability: an approach embedded within all
our business processes

Worldline's approach to Corporate Social Responsibility (CSR) is closely interwoven with its business activities. In defining its CSR priorities in terms of stakeholder expectations and key business drivers, Worldline ensures its CSR and business actions are fully aligned and mutually reinforcing.

Read the full interview
Watch the interview

Interview with Sébastien Mandron

innovation according to Worldline

In the world of electronic payments and transactions, when it comes to innovation, Worldline has set the bar high. Combining strong business orientation and more than 40 years of engineering know-how, the company has never ceased to innovate. It boasts exceptional innovative capacities and a history of industry awards for a stream of pioneering new ideas that have become reality and a part of our everyday life.

Today, more than ever, the payments sector requires unceasing exploration of new directions and approaches and a constant rethinking of solutions. This is exactly where Worldline scores. Our first-ever annual report therefore features a special dossier on innovation, highlighting the central differentiating strength of which we are, perhaps, most proud.

Nicolas Kozakiewicz

Head of Research & Development
and Innovation

Innovation @ the heart of our strategy

In our era of digital transformation, innovation is a mandatory central preoccupation for Worldline, positioned as the company is at the technological front line of this extraordinary global phenomenon. Worldline innovates to feed the digital transformation of its customers, creating new products, processes and services that fulfill market needs. It also innovates to generate future business, anticipate what lies ahead and be first to go to market with new technological developments.

Read more
Watch the interview

Nicolas Kozakiewicz

Head of Research & Development
and Innovation

Sven Gabor Janszky

Sven Gabor Janszky

Sven Gabor Janszky is a prominent futurologist and trend researcher, based in Germany. He is Executive Director of 2b AHEAD ThinkTank Gmbh and the author of books and articles on future trends, life environments and business models.

The viewpoint of an external expert
A fascinating direction in mobile technology

Stationary sales that succeed – in 2020

In the new market, successful companies will be customer-centered and the most valuable good will be customer recognition.
Read more
Merchant Services & Terminals

Merchant
Services
& Terminals

In this era of digital transformation, we at Worldline do our utmost to help merchants benefit fully from the amazing possibilities for new payment methods and value-added services that are becoming available.

Read more

Merchant
Services
& Terminals

Merchant Services & Terminals

Transforming the user experience

In the U.S., on average, people check their smartphone 150 times a day ! Today, people have a closer relationship with this device than with any other...

Guillaume Lefebvre Head of R&D User Experience

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Partnership success stories

A domestic and professional shopping-list innovation

Carrefour Belgique: a great solution for shoppers

Arnaud Lesne : Director eCommerce Food, Carrefour Belgique

Arnaud Lesne
Director eCommerce Food,
Carrefour Belgique

Carrefour Belgique

Carrefour Belgique is the Belgian branch of the Carrefour Group, one of the world leading retailer. The company is currently testing Worldline's Connected Kitchen a connected device to scan or vocally register any product to prepare a digital shopping list innovation (see p. 31). Arnaud Lesne, Director eCommerce Food at Carrefour Belgique has great hopes for the concept.

Read more

A domestic and professional shopping-list innovation

METRO : a B2B "Connected Kitchen"

Pascal Peltier : Director, Marketing & Communication, METRO Cash  and Carry

Pascal Peltier
Director, Marketing & Communication,
METRO Cash and Carry

METRO

METRO Cash & Carry France is testing Worldline's "Connected Kitchen" device – a small connected object for creating a digital shopping list, originally designed for domestic use.

Read more

A great partnership and a satisfied customer

Yapital: a cross-channel solution sets a new standard

Yapital: a cross-channel solution sets a new standard

Yapital is the first European, cashless cross-channel payment solution designed with modern commerce in mind.

Read more

A great partnership and a satisfied customer

Delhaize: a new supermarket shopping experience

Delhaize: a new supermarket shopping experience

Fabrice Delbuscheche
Retail Improvement Manager,
Delhaize Belgium

DELHAIZE

As a leader in e-payments, Worldline has been a trusted partner of the Delhaize Belgium supermarket network for many years. Building on this solid partnership, Delhaize and Worldline joined hands for a unique Proof of Concept, bringing mobile payments to the supermarket.

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A great partnership and a satisfied customer

Cineworld: convenience for movie-goers

Cineworld: convenience for movie-goers CINEWORLD

In the UK, Worldline has helped the Cineworld cinema chain upsell its Unlimited Pass loyalty scheme to customers waiting in line or in the foyer.

Read more
Bruno Bonnell

Bruno Bonnell

Bruno Bonnell is founder of France’s first Internet provider, Infonie, and of the companies ROBOPOLIS and AWABOT, specialized in robotic vacuum cleaners and telepresence robots respectively. He leads the French government’s robotic plan to coordinate actions in robotics and is President of Syrobo, an association representing the service-robotics industry.

The viewpoint of an external expert
A fascinating direction in mobile technology

Robotics today and tomorrow

Worldline was the first company of its kind to express an interest in cloud robotics, by getting in touch with my robotics start-up in 2011.
Read more
Mobility & e-Transactional Services

Mobility &
e-Transactional
Services

As mobile and cloud technologies take the world by storm, Worldline's people explore every innovative avenue, venturing beyond payment alone to embrace all aspects of connected living, even including robotics.

Read more

Mobility &
e-Transactional
Services

Mobility & e-Transactional Services

Robotics: staying ahead of the curve

To develop robots that interact seamlessly and fluidly with humans requires much technology, many different skills and sciences and mastery of "big data"...

Frédéric Oblé Head of R&D High Processing and Volume

Read more

Partnership success stories

Connected objects and vehicles: a new age dawns

HERE: enhancing the Connected Vehicle offer

HERE: enhancing the Connected Vehicle offer

Eric Fumat
Vice President, Enterprise Sales

HERE

A leader in navigation, mapping and location, HERE is a recent partner of Worldline, in the context of end-to-end Connected Vehicle solutions.

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MICHELIN® solutions: the connected truck

MICHELIN® solutions: the connected truck MICHELIN®

From its beginnings, MICHELIN has been a global player in mobility, making great tires and offering a wide range of services. MICHELIN® solutions was created in 2012 out of a desire to innovate in the area of vehicle-fleet efficiency and profitability, with solutions that go beyond just tires.

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EEBUS: defining connected living standards

EEBUS: defining connected living standards EEBUS

In 2014, Worldline joined the EEBus Initiative e.V, the broadest platform worldwide in terms of defining new content for the Internet of Things (IoT) and Cloud services.

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BSH: operating home appliances remotely

BSH: operating home appliances remotely BSH

In 2014, Bosch und Siemens Hausgeräte GmbH (BSH) chose Worldline to implement a solution that allows customers to monitor and control their connected domestic appliances when out of the house. The new service was officially unveiled at the IFA 2014 trade show in Berlin in September, and rolled out in Germany and Austria by the end of that year.

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Worldline and SOMFY: a major award

Worldline and SOMFY: a major award

In June 2014, Worldline and its partner SOMFY won an award for their Connected Home solution, at France's first Connected Objects awards, which was judged to have the best control panel and handling system.

Read more

DGEFP: I-milo - managing youth programs

DGEFP: I-milo - managing youth programs

Laurent Durain
Responsible of Information systems
and Engineering

DGEFP

France's Délégation générale à l'emploi et à la formation professionnelle (DGEFP) designs and implements labor and professional training policies, working with other ministerial departments and social partners. Conducting and coordinating the implementation of systems and evaluating the results, it also manages programs supported by the European Social Fund in France. Worldline has provided DGEFP with IT tools to help manage youth programs, in a project called "i-milo".

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Kieran Hines

Kieran Hines

Kieran Hines is Practice Leader for Ovum’s Financial Services Technology team, responsible for Ovum’s research program across Payments, Retail Banking, Insurance and Financial Markets.

The viewpoint of an external expert
Trends to watch in financial processing

The changing face of payment

Striking a balance between speed and security will be critical in maintaining wallet share.
Read more
Financial Processing & Software Licensing

Financial
Processing
& Software
Licensing

With the convenience and simplicity of mobile payment come new security risks. Worldline's experts put all their technological genius into helping banks and financial institutions confront the challenge.

Read more

Financial
Processing
& Software
Licensing

Financial Processing & Software Licensing

Mobile payment: highest security at lowest cost of our strategy

Worldline's R&D works by being smart, flexible and very open to outside teams. We work in tight collaboration with Operations, who are the first point of contact...

Jean-Claude Barbezange Head of R&D Trusted Services

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Partnership success stories

Tenpay: Facilitating microcredit financing

Gavin Du : Deputy Director of Financing Product, Tenpay

Gavin Du
Deputy Director
of Financing Product, Tenpay

Tenpay

In China, Worldline has designed a customized Internet-based solution for Tencent subsidiary Shenzhen Tenpay Network Finance MicroCredit Co. Limited.

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FGDR: a unique tailor-made solution

FGDR: a unique tailor-made solution

Pierre Dumas
Operations Director, FGDR

FGDR

Fonds de Garantie et des Dépôts et Résolution is a French public-interest body, founded under the aegis of the EU in 1999, that protects customers of failed banks by compensating customers or providing support to the bank. Worldline supplies an IT solution to manage FGDR's customer-compensation requirements. Pierre Dumas, Operations Director at FGDR, explains.

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Bank of India: a longstanding relationship

Bank of India: a longstanding relationship Bank of India

Worldline has been a longstanding partner with Bank of India, collaborating on processing of Acquiring, Credit cards, Prepaid cards and management of Debit cards.

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Société Générale: mobile banking at its best

Société Générale: mobile banking at its best

Olivier Chedeville
Director of Digital, Customer
Experience and Social Networks

Société Générale

Founded in 1864, Société Générale is a leading French bank with 32 million customers worldwide and almost 150,000 personnel. Pioneering in the areas of Internet and mobile distribution, the bank constantly develops all aspects of its multichannel banking solutions. Société Générale values its ongoing partnership with Worldline in the development of mobile solutions.

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Paylib: streamlining electronic and mobile payment

Paylib: streamlining electronic and mobile payment

Paylib is a multi-channel e-/m-commerce payment service proposed by French banks BNP Paribas, La Banque Postale and Société Générale.

Read more

VISA Europe France: A contactless payment first

VISA Europe France: A contactless payment first

In 2014, Worldline contracted to provide a secure and easy-to-use contactless mobile payment solution to Visa Europe.

Read more

To learn more

Worldline [Euronext: WLN] is the European leader in the payments and transactional services industry. Worldline delivers new-generation services, enabling its customers to offer smooth and innovative solutions to the end consumer. Key actor for B2B2C industries, with over 40 years of experience, Worldline supports and contributes to the success of all businesses and administrative services in a perpetually evolving market. Worldline offers a unique and flexible business model built around a global and growing portfolio, thus enabling end-to-end support. Worldline activities are organized around three axes: Merchant Services & Terminals, Mobility & e-Transactional, Financial Processing & Software Licensing. Worldline employs more than 7,300 people worldwide and generated 1.15 billion euros revenues in 2014.

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