Worldline is the European leader in the payments and transactional services industry, creating and operating innovative solutions along the entire electronic payments value chain.
Message from Thierry Breton
Interview with Gilles Grapinet
The Big 4 Strategic Priorities
Merchant Services & Terminals
Mobility & e-Transactional Services
The Spirit of Innovation
The Discipline of Innovation
Over the last 18 months, Worldline has delivered a remarkable performance, perfectly aligned with its 2017 ambition. This achievement demonstrates the company’s strength, the relevance of its strategy and its ideal positioning for the consolidation of the European payments industry. Worldline has indeed emerged as a clear leader in a payment market which, as we foresaw, is expanding rapidly thanks to the digital revolution and to the restructuring of payment systems, in particular in Europe.
2015 was a satisfying year on all levels and clearly enabled the company's business plan to advance well on every front. Worldline enjoyed enhanced visibility and recognition of its new status in the market. The company grew, became more profitable and enjoyed accelerated revenue throughout the year. The trust and support of our investor base were therefore affirmed.
Participate in the consolidation of Europe's payments industry
Gilles Grapinet, Worldline CEO, and Marc-Henri Desportes, Worldline General Manager, comment on Worldline’s strategic priorities for 2016 and beyond.
THE BIG 4
Around 2016 half-year, Worldline intends to join forces with Equens, an important European payment services provider with a direct presence in the Netherlands, Germany, Belgium, Poland, Italy and Finland. There will be two aspects to the transaction.
Estimated industrial KPIs
for the enlarged Group.
SETTING THE BAR EVEN HIGHER
After the publication of its first Corporate Social Responsibility report in 2015, Worldline Corporate Social Responsibility (CSR) strategy has displayed impressive results confirming its full alignment with business objectives and ensuring the company’s commitment on sustainability topics.
Worldline successfully completed
the GRI G4 Guidelines “in accordance” with the Comprehensive option
on its first responsible-procurement evaluation as an independent company
certification for all
its data-centers and offices
of more than 500 people
(extra-financial information rating organization)
Building client’s trust with fully available and secured platforms and reinforcing value for clients through sustainable & innovative solutions.
Being a responsible employer by revealing our employees’ potential.
Endorsing our business ethic within our value chain.
Leveraging the eco-efficiency of our datacenters and offices.
Worldline revenue has been growing constantly since the beginning of 2015 to reach € 1,227.0 million, up +4.4% organically compared with last year.
All three Global Business Lines contributed to the revenue growth, with a strong acceleration during the second semester of Merchant Services & Terminals and Financial Processing & Software Licensing, which jointly grew +6% in Q4 2015.
& Software Licensing
& Software Licensing
An encouraging overall picture
MS&T enjoyed significant growth in 2015, with the strong performance of the Commercial Acquiring business standing out as a major contributory factor. The exceptional growth in this particular area was due to a volume increase in transactions and to international expansion.
Customer-experience focus of new rail link
In planning the launch of the UK’s first major rail link between London and another British city in more than 100 years, Chiltern Railways sought to offer customers an enhanced retail experience. The new Oxford Parkway station, which links to London Marylebone station, was opened in October 2015.
On track with
Industry retailing first
TWL Interactive Ticketing has drawn extremely positive feedback from passengers whose user interaction has been dramatically improved through the enhanced touchscreen size and functionality. Deployment of the technology is enabling Chiltern Railways to meet one of its fundamental goals of delivering a better passenger experience.
Chiltern Railways partnered withWorldline to develop a new ticketing solution designed to maximize the customer experience. The WL Interactive Ticketing machine features a large 42” touchscreen display, complying with legal requirements set out by the DDA (Disability Discrimination Act 2005). The machine’s intuitive touchscreen interface seamlessly links information and ticket purchase, providing customers with live local departure information, network maps and relevant information to plan their journey. Worldline’s solution also has the capability to host configurable information and promotional materials and to integrate future technological advancements such as contactless payment and barcode scanning.
2015 PayForum Award
A great HPE solution for retail
PayForum Award 2015 for its new retail Host Point of Sale (HPE) solution. The innovation allows both payment and payment acceptance by smartphone, via a single mobile app. The user places his phone near the retailer’s, the app validates the transaction, the retailer enters the amount on his phone, the user enters his PIN on his and the totally secured transaction goes through.
New innovative concept
Sephora is the world’s most innovative beauty store chain. On October 21, 2015, the cosmetics brand opened "Sephora Flash", its first ever smart store, at 66 rue de Rivoli in Paris. This new retail concept creates a seamless link between brick-and-mortar stores and online shopping.
Backed by an NFC (near field communication) card available off-the-shelf and a physical basket, customers begin shopping among 3,500 articles on display. On screens, customers can browse the product catalogue offering 14,000 articles on Sephora's website. With the aid of an NFC tag, customers can get further information about products they find interesting and easily fill up their electronic basket. When they have finished their shopping, electronic and physical purchases are paid for in a single transaction, with the aid of a Sephora beauty consultant. Customers immediately take physically stocked goods away with them, while goods ordered on the screens will be available in store the next day, or delivered at home.
Worldline has supported Sephora in the development of this new concept by providing an end-to-end solution for linking up an online shopping website with a brick-and-mortar store.
In the store, access directly to
3,500+ stocked items
On screens access to 14,000 + items
addable to digital basket on a NFC card
Pay for both baskets in-store
Pay for both baskets in-store
A better charging procedure
In Belgium, Powerdale, an innovation partner specialized in energy management, wanted to provide a new and highly convenient way for the owners of electric vehicles to pay for charging. Hitherto, accessing a recharging infrastructure and operating a charger always required the use of a proprietary bankcard.
In collaboration with Worldline, Powerdale has introduced a QR code payment solution, thanks to which a smartphone and the Bancontact app suffice to start the charging process and manage payment. Using a smartphone, the driver simply scans the QR code on the connected charging station’s high-resolution screen to initiate the charging and billing process. Providing the WL Sips multi-channel online payment solution that makes this possible, Worldline creates the QR code and processes the final transaction.
Benefits all round
The new solution’s advantages include the ease and security provided by Worldline’s online payment gateway, which is supported by the major bank institutions and numerous hotels, restaurants, shops and offices. Pricing can be determined by the owner of the charging station, no subscription is required and no additional infrastructure is necessary. The solution will help infrastructure owners to improve ROI on their charging stations and offer a differentiated service to customers and employees.
2015 PayForum Award
A great HPE solution for retail
PIn February 2015, Worldline won the “Guiding Hand” trophy in the mPoS category at the MPE Awards in Berlin. Mobile Seller is a powerful connected tool for sales assistants. On a tablet, the salesperson can be notified of a customer’s arrival, thanks to smartphone detection by in-store beacons. Accessing the customer’s purchasing history, he or she can then offer personalized purchasing advice, give detailed information on products in stock and accept mobile payment – all directly on the tablet. A great customer experience is guaranteed!
Chief Technical Officer
and Managing Director
for Merchant Services & Terminals
On track with
IIncreased SEPA transaction volumes and new signings in 2015 brought strong growth and accelerated financial performance for the FPL Global Business Line. All Issuing Processing and Acquiring Processing contracts that had reached their terms were renewed and Worldline’s Payment Security offers (notably Trusted Authentication and 3D-Secure) attracted strong interest. The Payment Software Licensing division also saw new contracts signed in France and Germany and, notably, in Asia.
Facilitating community access to financing
Agence France Locale (AFL), a new bank entirely dedicated to local authorities in France, wanted its current and prospective customers to be able to access its services more easily. Going paperless represents a major challenge in public administration and is a central preoccupation for French local authorities.
services to local
To digitize both its own internal processes and its exchanges with local authorities, AFL turned to Worldline for its technological expertise and long experience in designing and operating major projects. Worldline designed a web banking portal to manage membership requests from prospective customers and simplify the distribution and management of online loans to AFL’s local-authority members. This secured multi-channel portal allows local authorities to manage all operations relating to their membership and loan applications, to communicate with AFL via secured messaging, to electronically sign documents and to archive files.
Excellence in customer service
The portal enables AFL to help its existing and prospective customers accelerate their digital transformation with an innovative, paperless, secured, easy-to-use service. Worldline’s highly secured cloud hosting services meet the most stringent requirements in terms of confidentiality, service levels and data and infrastructure. As the primary entry point for local authorities, the solution provides a true “digital storefront”, underlining AFL’s commitment to pursuing excellence in its customer relations.
2016 PayForum Award
Facilitating SEPA mandates
In March 2016, Worldline won a PayForum Award for its “Mandate & SEPA transaction services” – part of the WL eBanking Payment Services platform. The solution has 4 modules.
Smartphone payment enhanced
Leading German retail bank Postbank wanted to offer its customers a mobile capability with an innovative extra advantage. Worldline proposed its NFC Mobile Payments (HCE) solution, which some of the bank’s employees are currently testing, making payments at checkouts using their Android smartphones.
A step ahead
The solution’s NFC contactless technology is now well established, as is its HCE technology, where payment credentials are held on the cloud rather than on a so-called Secured Element hardware in the phone. Worldline’s key innovation is that of using key data stored on the phone to make successful payments possible even in the absence of Internet connectivity. The system uses the existing Visa NFC infrastructure, so the merchant just needs a Visa payWave-enabled terminal while the user needs an NFC-enabled smartphone with Android 4.4 (KitKat) or higher.
WL eBanking Payment Services
In February 2016, the WL eBanking Payment Services solution won the Emerging Payments award at the MPE Awards, in Berlin.
2016 Merchant Payment Ecosystem Award
Powered by Worldline’s Multi-Service Platform, the solution allows the processing of a variety of e-authorization use cases – initiation, routing and validation of credit transfers, e-Mandates and e-identity checks.
It provides consumers with a simple and safe way to pay for online purchases via their online banking portal/app, minimizes fraud risk for merchants, thanks to strong authentication, and enhances value-added service possibilities for banks.
Hot on security
The solution’s multiple security mechanisms include a specially protected app and the replacement of the actual payment data with so-called tokens and one-time keys.
Gains on all fronts
Worldline’s NFC Mobile Payments solution reduces complexity for banks and their customers and for merchants. For Postbank, the business model is simpler than that of hardware-based mobile payment methods, providing single-source services, with no need for a Secured Element partner. The end user can use his or her Wallet application for both proximity Wallet payments and remote purchases.
An authentication requirement in APAC
East West Bank, based in the Philippines, needed a tried and tested Access Control Server (ACS) solution for the 3D-Secure dynamic protocol it employs to secure e-commerce transactions. 3D-Secure relies on an ACS solution in the issuing domain for strong cardholder authentication. The solution had to be convenient to implement, deploy and manage.
Effective, proven and comprehensive
From Worldline’s broad range of ACS strong authentication methods, East West Bank chose the one-time password (OTP) solution, whereby the cardholder is sent a unique password by SMS during the transaction. Worldline’s OTP solution is used by millions of cardholders daily, in 15 countries around the world. Delivered in SaaS mode, for easy service setup, it provides straightforward workflow management and activity monitoring and reporting, as well as fraud-prevention tools.
A trustworthy solution
In deciding to work with Worldline, East West Bank knew it could rely on Worldline’s 40 years of expertise in payments security and its reputation as a leader in 3D-Secure solutions.
Solutions featured in the Ovum Decision Matrix
In October 2015, Ovum, a globally renowned business analyst, graded three FPL solutions as part of its Decision Matrix on Card Management System Platforms. Overall, Worldline was identified as the trusted third-party supplier with the most extensive and flexible deployment model for licensing…
hosting, application management and business processing outsourcing. More specifically, the ASCCEND and Cardlink II solutions were both rated as Market challengers, while WL Pay was assessed as a Market leader.
A pioneering Indian local authority
In India, over 90% of payments are still made in cash. In fact, cash has hitherto been the only mode of payment accepted for taxes and government services (such as gas, electricity, water, etc.). India is, however, on the cusp of a major shift from cash to digital payments.
Given the rapidly growing number of bank-card holders in India and the push towards digitization, the government of the state of Madhya Pradesh wanted to offer card-based electronic payments at all its collection centers.
Exploiting existing connectivity
Working with the State Bank of India, Worldline provided an ideal solution, which enables acceptance of card payments by integration with the existing government Web portal, www.mponline.gov.in. The solution works using a swipe-card POS terminal connected to a desktop computer through a USB device and a POS client installed on the computer, which accesses the government portal to enable processing of the transaction.
Advancing India’s digital transformation
Providing a new and convenient way to pay for utilities, Worldline’s solution, which is a first-of-its-kind Web POS service, is handy to implement, since no separate connectivity need be installed at collection centers. Madhya Pradesh is one of the very few Indian states to collect payments online and its initiative opens the doors for more government bodies to enable card and online payments.
Managing Director for Financial
Processing & Software Licensing
and for Germany & CEE
services to local
Financial Processing & Software Licensing
Growing very healthily
In 2015, the MTS Global Business Line achieved satisfying revenue growth across the board of its divisions. E-Consumer & Mobility saw double-digit growth, in fact, with new contracts signed. E-Ticketing also performed well and e-Government Collection grew positively.
Extending services offer for truck haulers
Seeking to extend its services to its customers by including trailer fleet optimizations, MICHELIN® solutions teamed with Worldline to design a new connected solution for managing truck trailers.
Real-time data, real-time control
The resulting EFFITRAILERTM service relies on the standard modules of Worldline’s Connected Vehicles solution and processing telematics platform. EFFITRAILERTM receives real-time data from trucks, such as GPS location, tire pressure and stationary trucks. These data are uploaded to a system that reports on the fleet’s operations and performance and issues alerts, enabling the hauling company to exert real-time fleet management control.
Safer, more reliable trailers
The benefits of EFFITRAILERTM include improvement in haulage firms’ operating margins, strengthened safety of truck loads and enhanced delivery reliability. Customers are experiencing an increased utilization rate, with trailers running more often and no longer empty. There also are far fewer delays due to tire-related trailer breakdowns, backed up by a MICHELIN® solutions commitment to reduce tire-related semi-trailer downtime by up to 50%. Initially available in the UK, France, Italy, Germany, Switzerland and Austria, the service is being extended throughout Europe in 2016.
Digital media company Unowhy sought a secured solution to deliver e-education to grade school, middle school and high school students in France. A key objective for Unowhy was to ensure the data and educational content would be hosted in France, to ensure continued control of educational choices and curriculum.
A great digital
Going to school on tablets and clouds
Unowhy partnered with Worldline to pioneer the digital education initiative. Unowhy supplies an integrated educational solution to students through its “SQOOL” touchscreen tablet and software, both designed specifically for the educational environment. SQOOL provides all the content and functionalities students and teachers need for their entire school year. Worldline offers a cloud computing solution, featuring a secured data storage system for educational content and students’ personal data.
Secured digital learning, no ads
The program was piloted successfully during the 2015–16 school year with 70,000 students in 500 schools. The combination of the two techniques provides access for teachers and students to a totally secured environment on a school tablet, in the classroom or at home. The innovative and flexible solution enables students to learn, collect information, produce content and study with confidence, in a dedicated educational environment that is secured from end to end. For Unowhy, the solution keeps digital independence of the educational data and content in France, shields children from digital advertising intrusions and protects their personal data against commercial exploitation.
Connected shops, modernized brand
One of France’s leading telecommunications companies, Bouygues Telecom, sought a solution to transform the experience of its customers to make it consistent with the company’s modern, high-tech image. With 50 million customers visits per year, its 550 stores provide an ideal venue for showcasing the brand and connecting it more closely with customers.
Instituting paperless purchasing
Bouygues turned to Worldline to enhance its digital posture. In response, Worldline implemented a new concept in stores designed around the idea of the connected home. This required the introduction of tablets for Bouygues Telecom’s sales force, with which to serve and interact with customers. An important objective
was to institute electronic payment without severing the transactional aspect of the interaction with the customer.
Launched in mid-2014, the project was implemented at all points of sale in all Bouygues Telecom stores, as of February 2016. The result is a purchasing experience that is more fluid, secured, multi-channel and completely paperless. Customers have responded favorably to the well-integrated and innovative digital experience, the quicker, more efficient service and the ability to make their purchases with no paper.
Managing Director for Mobility
& e-Transactional Services
A great digital
Anyone who has been involved in innovating for any length of time will tell you that innovation is not merely about staring at a problem and “striving” to find a breakthrough solution. Innovations cannot be produced to order. The process is one of discovery. “A discovery is said to be an accident meeting a prepared mind,” according to Albert von Szent-Gyorgyi, a Nobel Prize winner credited with discovering Vitamin C. Companies who are best at innovation are those that cultivate a perpetually questing, exploratory state of mind and combine this with the vision and the will to do whatever it takes. Columbus set out to discover a new route to the Indies – putting his all into the quest – and stumbled upon America. Innovation is also like that.
We live in extraordinary times. Globalization and the technological and knowledge revolutions have transformed our world and are inexorably transforming it yet further. In recent years, innovation in companies, triggered by the digital revolution, has attracted huge media attention and led to an explosion of new possibilities for services. But is this fascination with innovation little more than a fad? Out of a million patents filed every year, only 5% of all innovations proposed will ever see the light of day, create value in the real world and make a difference in people’s lives.
Worldline’s vision is to provide a digital service that is both as simple and natural as possible for the user and as secured as possible. Every day, the company pursues an unfaltering quest to achieve totally secured, “one-touch” transactions that occur in the blink of an eye and fulfill the promise of the digital transformation, that our lives will indeed be simplified and enhanced. Where its customers are concerned, Worldline’s vision is identical – to make their working processes marvelously simple, natural and secured and to eradicate labor.
The bottom line of innovation
Basic rules of the game
Innovation is management
Head of Research
& Development and Innovation
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