worldline introduction - universwiftnet...3 | accélérer la transformation digitale de votre...

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


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


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)


Worldline, a full recognition in invoicing

European e-invoicing Service Providers Association

Worldline processes per year

Payment’s adaptation for e-invoicing


E-invoicing and the digital economy

Digitalization Customer Journey

Government requirements

Security


The treasurer pain points

Legacy complexity

Excel

Cost center vs

Revenue center

DSO

Reconciliation &

new payment means


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


Kit tool for treasury messaging

Camt.054

MT101/ MT104 PISP

AISP

RTP

Payment token /blockchain

++ days Intraday 1 second


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


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


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


3 examples

B2C B2B B2G


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


A multi-sectors trend

3b of revenue

Worldwide leader

A coffee machine for 1€ delivered at home

A consumption subscription based


Subscription in business is flourishing

In 2018, 29% of the global value for the 100 top first brands are linked to subscription


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)


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


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: 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

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