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© Worldline
Worldline Introduction
3 | Accélérer la transformation digitale de votre trésorerie avec la DSP2 | © Worldline
c. 3.3Bn card transactions acquired per year
c. 11Bn cards transactions processed per year
c. 125M cards under management
c. 13Bn payment transactions per year
Independent PSPs net revenue in Europe(1)
in €m
10% Market Share in
Commercial Acquiring
20% Market Share in
Financial Processing
European e-com. PSP
(3)
+
/
(2)
#1
#3
€ 2.3 bn annual
revenue
11,000 + talents
30+ countries
Key Figures Worldline 2018
Worldline is progressively building a leading Pan-European PSP to support and take advantage of the SEPA framework and market impacts
4 | Accélérer la transformation digitale de votre trésorerie avec la DSP2 | © Worldline
Capital Structure
C a p i t a l s t r u c t u r e
• UBS • Credit Suisse • ZKB and other Swiss Cantonal banks • Regional and private Swiss banks • Raiffeisen and other international banks
After the project to distribute 23.4% of Worldline’s share capital to Atos’s shareholders (distribution first half of May 2019, after vote from general assembly April 30th)
1
2
Capitalisation : c. 9 Mds € (fev. 2019)
FREE FLOAT shareholding
22.3%
45.7% 27.4%
50.8% 26.9%
1
2 2
5 | Accélérer la transformation digitale de votre trésorerie avec la DSP2 | © Worldline
Worldline, a full licensed Payment Service Provider
5
#7 #8
f r o m J u l y 2 0 1 8 a n d n o w p a s s p o r t e d o v e r
E u r o p e
Payment Initiation Services
(PIS)
Account Information
Service (AIS)
6 | Accélérer la transformation digitale de votre trésorerie avec la DSP2 | © Worldline
Worldline, a full recognition in invoicing
European e-invoicing Service Providers Association
Worldline processes per year
Payment’s adaptation for e-invoicing
8 | Accélérer la transformation digitale de votre trésorerie avec la DSP2 | © Worldline
E-invoicing and the digital economy
Digitalization Customer Journey
Government requirements
Security
9 | Accélérer la transformation digitale de votre trésorerie avec la DSP2 | © Worldline
The treasurer pain points
Legacy complexity
Excel
Cost center vs
Revenue center
DSO
Reconciliation &
new payment means
10 | Accélérer la transformation digitale de votre trésorerie avec la DSP2 | © Worldline
Payment’s adaptation for e-invoicing
PSD2 SEPA ISO
Legal framework for new Third Parties Providers (TPP): • Payment Initiation
Service provider (PISP)
• Aggregation of
Information Service Provider (AISP)
Adaptation of Request to Pay messages to meet the business and technical needs of EIPP with new features (partial payment, penalties for late payment,..)
SCT scheme offers Extended Remittance Information (ERI): • One occurrence of
140 characters of unstructured remittance information
• Up to 999 occurrences of 280 characters of structured remittance information
January 2016 November 2019 Spring 2019
11 | Accélérer la transformation digitale de votre trésorerie avec la DSP2 | © Worldline
Kit tool for treasury messaging
Camt.054
MT101/ MT104 PISP
AISP
RTP
Payment token /blockchain
++ days Intraday 1 second
12 | Accélérer la transformation digitale de votre trésorerie avec la DSP2 | © Worldline
Request to Pay (RTP) as an upgrade of Electronic Invoice Presentment & Payment (EIPP)
Checkout RTP
Initiation Authentication Approval Confirmation Payment
Consumer chooses to pay by bank
Secure payment request send to
consumer’s bank
Consumer authenticates
with their bank
Consumer consents to
the requested payment
Merchant assured of successful transaction
Credit transfer from consumer’s
bank to merchant’s bank
Some of the benefits are: • Emerging around the world • Part of a broader transformation • Provides real time access to account • Reduces fraud and chargebacks • Reconciliation • Real time settlement • Reduction in late B2B payment
13 | Accélérer la transformation digitale de votre trésorerie avec la DSP2 | © Worldline
Workflow comparison between RTP and PSD2
Payer Bank/ Issuer bank
Payee Bank/ Acquirer bank
PSP
Scheme
Validation Routing
Payee Bank/ Acquirer bank
Regulation
Payee
Payer Bank/ Issuer bank
PISP/AISP
• PIS • AIS • PIIS
Before 14th
September 2019
Payer Payer Payee
SCA
Use these messages
for initiating payments
• Pain 013 • Pain 014 • Pain 001
Classic RTP TPP PISP
Worldline’s value proposition
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Worldline Merchant Billing combined with our TPP capability
Contract
Payment
WL Digital Platform WL e-Contract
WL Payment acceptance
Business enabler
Billing
Customers Services
Pre-announcement Acknowledgement
WL Billing
EIPP
Reconciliation Invoice –
payment(s)
Self care portal
EIPP
Customer care portal
• eContract • eSignature • eArchiving • Dematerializati
on documents
• Cards • Credit transfert
(SEPA) • Direct Debit
(SEPA) • PISP / RTP
• APIs • External IS • Third parties
• Events for billing
• Billing • Finance • Mediation • Consolidation
16 | Accélérer la transformation digitale de votre trésorerie avec la DSP2 | © Worldline
3 examples
B2C B2B B2G
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Train station
Tap In
Carpark gate
Tap In
12 €
2 €
Payment mean
Post payment processing
Transport smart card and
payment mean enrollment
Total fare capped at 10 €
Account Based Ticketing for smart city transport Transport smart card multimodal access and post payment
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A multi-sectors trend
3b of revenue
Worldwide leader
A coffee machine for 1€ delivered at home
A consumption subscription based
19 | Accélérer la transformation digitale de votre trésorerie avec la DSP2 | © Worldline
Subscription in business is flourishing
In 2018, 29% of the global value for the 100 top first brands are linked to subscription
20 | Accélérer la transformation digitale de votre trésorerie avec la DSP2 | © Worldline
Use case for « B2B Industry »
WL Payment acceptance Billing
Pre-announcement Acknowledgement
EIPP
Self care portal
+ Customer care portal
• EMV Cards • Credit transfert
(SEPA)
• Billing • Finance • Mediation • Consolidation
Objectives & benefits
A common European solution thanks a B2B portal Provide a 24/7 « Self care » portal for final clients Reduce the payment overdue date Multi payments means
WL Billing Payment
Reconciliation Invoice –
payment(s)
21 | Accélérer la transformation digitale de votre trésorerie avec la DSP2 | © Worldline
Zoom on Billing & Payment
Control and knowledge of the « pay per use » business models!
E-Invoicing service
Invoicing Back office
Payment service
Customer service
Reporting
SEPA Some figures… Mandates 40 Millions
Direct Debits 250 Millions
Credit Transfers 30 Millions
Control and knowledge of the payment means!
Expertise 25 years
Invoices 10 Millions / an
Transactions 4 Millions / month
22 | Accélérer la transformation digitale de votre trésorerie avec la DSP2 | © Worldline
Interoperability with governmental platforms
Public Sector as leader
Political requirements for
digitalization
European standardization
• Chorus Pro • Peppol • SDI
• EU 2014/55 • EU 2010/45
© Worldline
Conclusion
24 | Accélérer la transformation digitale de votre trésorerie avec la DSP2 | © Worldline
WORLDLINE: A TRUSTWORTHY PARTNER
Wi th key a s se t s t o f a c i l i t a t e you r t r ea su r y p r o ce s s i ng
Global approach with a modular and
step by step guidance. Consulting, POC…
Time to market Key PSD2 due date to
reach!
Data control Disintermediation
© Worldline