Solutions

Jump onboard the high speed Digital Transformation

 

How is the rail industry impacted by digital transformation?

 

Every business process in the railway industry, from planning services to allocating resources through to marketing and sales, is impacted by digital transformation. This is true for both the infrastructure companies, which provide the needed physical infrastructures, and the Operators, who provide services to the general public.

 

In this context, the biggest transformation to come will be the digital transformation of railway operations, in which railway tracks are administered along with the space between each train using these tracks. In the future, digital transformation will automate the information exchange between rail tracks and trains, automating train control. Read the full interview.

 

Worldline at the very heart of the manufacturing industry’s digital transformation

 

 

What challenges is the manufacturing industry facing today?

 

These challenges target mainly the search for better operational and economic performance in order to gain in competitiveness, in business processes’ simplification and in the insurance of operations’ traceability, while expanding their business model, from product or machine manufacturing to a model based on providing a highly customized bundle of products and services.

 

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The digital transformation of the customer journey at Bouygues Telecom

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The digital transformation of the point of sale is a key axis of Bouygues Telecom’s strategy. Thus, it is in this context that, in early 2015, Bouygues Telecom began the transformation of its 550 points of sale, which represent the company’s showcase and brand image. Bouygues Telecom naturally turned to Worldline for help with this implementation, following a first successful contact regarding SEPA mandates in 2013, the goal being to create a fully digitized customer journey.

Discover the interview.

 

When Blockchain technology frees up car sharing

 

 

 

Blockchain is a topic that interests more and more people. Worldline’s R&D department has been working on this subject to develop new solutions. The Blockchain technology allows the creation of an authenticated, accountable and distributed chronological tracking system of transactions or events on a unique ledger.
It is self-managed, secured, and works with a set of rules and a calculation process. Initially, it was created in 2008 to support digital payments made in Bitcoins, but it is now becoming more and more developed for other uses. Blockchain has numerous advantages which makes it an attractive technology to use in the development of innovative solutions in several industries.

 

Read the briefing.

 

Together, let’s become key players of tomorrow’s sustainability

 

 

In our ongoing series about our Corporate Social Responsibility, we give you a detailed view of the different axes of our report. In this interview, Stéphanie Noguès discusses sustainability, its inherent inclusion in our solutions and their sustainable qualities.

 

Read the interview.

 

A simple and secured payment experience thanks to Risk-Based Authentication

 

 

 

In the e-banking landscape, strong authentication is becoming the new norm to bring security in the relationship between banks and their customers. Indeed, market dynamics are pushing for more customer authentication.

 

Banks now bring more innovative services online and on mobile devices, which leads to more usages in e/m-banking and e/m commerce. While shifting to more and more digital interactions with their customers, banks must securely share this data.

 

Read the article.

 

Client testimonial about our Cloud-based solution for contact center

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WL Contact helps manage inbound, outbound and bounce contacts via all channels used by consumers. One of our customers discusses the benefits of our solution for his business and the positive impacts it had since its implementation. Discover the interview.

 

WL Connected Piggy Bank, more than just another connected object

The world of connected objects is growing on a daily basis. Can you tell us about the latest advances and developments in this prolific industry?

 

Indeed, this industry is rapidly evolving, a fact that was highlighted at this year’s CES* with new start-ups, specialized in this field, and many new concepts. What is interesting is that the current trend is the enhancement of objects, which are already helpful in our daily life, such as toothbrushes or alarm clocks for example, by adding connectivity through the Internet of Things. This trend shows that the industry is no longer just for gadgets and new concepts, which consumers have to incorporate in their daily lives in addition to what they already use.

 

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Our innovations in action in a supermarket

Worldline has participated in the Mobile World Congress, in Barcelona, for many years now. Can you tell us more about this event and its strategic importance for our Company?

 

Santi:

The Mobile World Congress is a global event and is probably the biggest worldwide event around mobile solutions. When it started ten years ago, it was more focused on telecommunications and operators. For the last few years, it has opened up to more industries and more sectors making it the ideal place for Worldline to showcase our solutions and our innovations but also to help us in staying informed about evolutions and innovations from other suppliers in other sectors.

 

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Digitization, a key tool for the digital transformation of companies

 

 

How has digital transformed formalities and administrative processes?

 

One of the major changes that digital has brought to companies, whether they are from the public or the private sectors, is the digitization of their processes. By this, they have been simplified and secured. In fact, , the main goal of digitization is to replace paper-based forms by electronic versions, while still maintaining their evidential aspects, such as the document’s authenticity and user-related identities for example.

 

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Big Data and our WL Contextual Analytics solution

What is Big Data and what are its benefits for companies and consumers?

 

Applied to Marketing and consumer behavior analysis, Big Data comprises different types of technology that enable structured and unstructured data collection from all the interactions between consumers and brands. The major change, which occurred a few years ago, is the integration, and processing, of unstructured data such as website navigation, customer reviews, social media posts and even videos. These data points are then mixed with transactional data from online and in-store purchases, in order to enable more precise analyses and, therefore, a more detailed understanding of the consumers.

 

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Worldline, winner of three 2016 PayForum Awards

Each year, the PayForum Awards reward the most innovative solutions and products of the payment industry in France. This year, Worldline submitted three applications, out of a total of 147 applications, and won three Awards, out of a total of 16 winners. Discover the winning solutions.

 

Omnicommerce – At the core of the customer experience evolution

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Synergy between online and physical stores is a thing of the past. Indeed, e-Commerce, m-Commerce and physical stores have merged to create the digital store. In this video interview, Pierre Cailleux discusses these changes and presents our WL Omnicommerce solution. Watch the interview.

 

The digital transformation of the customer journey and of payments

 

 

 

Digital is transforming the customer journey and, more particularly, the payment, key step in this journey. Can you tell us more about this?

 

Indeed, the digital transformation also influences payments. This payment needs to be both simple and secured in order to make the experience efficient and fluid.

 

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Wearables, a tool to simplify the buying journey

 

 

How will wearables change relationships between merchants and consumers?

 

We envision that, in a near future, these wearables, such as smartwatches and connected bracelets, could simplify authentication when it comes to payments and access to digital services. Consumers could identify themselves and pay with these wearables without having to use a physical ID card, a payment card or even a smartphone.

 

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Digital Wallet, from dematerialization to convergence

 

 

What definition can we give to the Digital Wallet?

 

We define a Digital Wallet as a secured container for digital identities. It can hold identity data points, such as card numbers, coupons, tickets and tokens, for example, which can be accessed upon user’s authentication. Its goal is to simplify e-transactions, both online and in the physical world, while guarantying their security.

 

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Our ranking in the Ovum Decision Matrix

 

Our activities include software licensing; can you tell us more about this part of our business?

 

Worldline has a substantial history in software licensing, having been in this business across Asia Pacific and Europe since the 80s. Local solutions had already been developed in Germany, France, Spain and APAC when we released, in 2004, the first iteration of our Worldline Pay solution combining Acquiring, Switching and Authorization solutions that were historically developed and sold separately. Subsequently, we continued our year-on-year investments in this solution to further develop key components such as Issuing Back-Office, Real-time Fraud Detection, Fraud Investigation and Case Management, and Mobile Payments, amongst others.

 

Read the interview.

 

WL Contact, our Cloud-based solution for
multichannel contact center

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Consumers are increasingly more connected and want to be able to get in touch with brands and companies whenever they want, through whichever communication channel they prefer. In this context, Worldline helps its clients with dedicated solutions to stay better connected with their clients. In this video interview, Laurent Martin highlights these changes and our WL Contact solution. Watch the interview.

 

Smartpay – A solution to bridge the gap between online and in-store mobile payments

 

How has the mobile payments industry evolved in the last few years?

 

The industry has evolved by leaps and bounds in the last few years. When I joined Worldline in 2008, the NFC card was being presented as the revolutionary method that would change our payment behaviors. As we know now, this method took quite some time to take off but, with the success and fast adoption of smartphones, consumers have adapted their behaviors and are now doing almost everything on their smartphones. Therefore, pushing a mobile payment solution on smartphones which does not need NFC as a prerequisite is relevant, and Worldline makes it easy to achieve.

 

Read the interview.

 

Trusted Authentication,
our solution for strong authentications

 

 

When it comes to payments, how has authentication changed and improved in the last few years?

 

Online payments were first made available to merchants about twenty years ago and, from the get-go, the main point of friction has always been buyer authentication, and therefore payment guarantee.

 

When global regulations, such as 3DSecure, appeared, it became mandatory to authenticate buyers in order to guarantee payments for merchants.

 

Read the interview.

 

 

Reinventing the customer experience

 

We were at Paris Retail Week in September. Can you tell us more about this event?

 

Paris Retail Week is the fusion of two separate trade shows: e-Commerce Paris and Digital in Store by Equipmag. It occurred in this new state for the first time this year. This new format is to our advantage because, while we were historically present at e-Commerce Paris, our solutions were also presented at Digital in Store by Equipmag, trade show dedicated to physical stores, given our partnership with Samsung. Additionally, this fusion follows the current Digital Retail trend, that is the combination and the interweaving of online and in-store shopping, a subject Worldline is active on with dedicated solutions.

 

Read the interview.

 

Digital Assistant, our proactive solution for banks

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Worldline helps banks through this digital transformation with dedicated solutions. Our Digital Assistant, dedicated solution for banks, just received a top prize at the Banking & Innovation trade show. Watch the interview.

 

Making car a node on IoT

 

How do you think connectivity and telematics will influence the purchase decision of a new vehicle buyer in the near foreseeable future?

 

It really depends on many factors, such as the region, the car, the services and, of course, the quality of the user experience. For example, in Europe people usually don’t pay for safety & security services, as they do in the US. And in Japan, people are more attuned to technology and therefore willing to pay for highly integrated connected systems. What’s more, most in-vehicle-infotainment (IVI) apps just don’t deliver enough value to address the mass-market. Also, take-up rates can be quite modest: Connected Satellite Navigations systems will soon equip more than 50% of new cars, most of them will be connected and user subscriptions will be only around five to 20%.

 

Read the interview.

 

Online banking and the digital transformation of banks

 

To what degree has digital changed banks?

 

Digital touches banks’ DNA, from the way they create products to the way they distribute them, as well as their daily customer touchpoints. It is an opportunity for banks to reinvent themselves and even a must-do as they face the ubiquity of online giants and the rise of creative and agile FinTech* companies.

 

In addition to generational changes, the customer has changed with the smartphone’s hegemony and the increased presence of cloud services. The typical customer is, therefore, more connected, better informed, and experienced in e-commerce. He wants more transparent banking services which need to be more accessible than ever.

 

Read the interview.

 

Authentication, at the core of online payments

 

 

The payment industry, and online payments in particular, have evolved a lot in the last few years. How has online payment changed, concretely?

 

It is important to underline that online payment is the direct consequence of the digitization of every aspect of our daily life. Indeed, a lot of our daily tasks, for which we used to have to go to a physical place to do them, can now be done online. Payment has naturally followed this evolution and is now digitized.

 

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Customer Case Study - McDonald's France

Mobile booming and the exponential growth rate of smartphones have changed the way consumers behave and their buying journey. To support this new way of consuming, McDonald’s France has decided to build with Worldline a unique, customized platform including a wallet to enable them to start the digital transformation. Read more.

 

Focus on Dynamic Currency Conversion at ATMs and our partnership with FEXCO

 

Hi Roger and Nick, what do you work on at FEXCO and at Worldline?

 

Roger: I am the global Head of Sales for FEXCO Merchant Services. This position was instituted a few years ago to cover our different markets and segments on a global level.

Nick: I am the Head of the Acquiring Processing Business Division in our Global Business Line FPL, which covers markets such as France, Germany and India.

 

Read more.

 

 

 

Samsung Innovation Week – Part 2

 

Hi Julien, what do you work on at Worldline?

 

Hello, I am in charge of pre-sales in our Merchant Services & Terminals business unit in which I work mainly on retail. Since the beginning of our partnership with Samsung, our focus has been on POS (ed: Point Of Sale) digitization to meet the growing challenges tied to omni-channels. We also work on the development of e-commerce and m-commerce sites

 

When did you join us and what were you doing before?

 

I joined Worldline in 2000. I started working in the Banking Department before joining the Media Department. I joined Merchant Services & Terminals in 2011.

 

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Connected Kitchen and connected objects, the future now

 

Hi Guillaume, what do you work on at Worldline?

 

I work in the R&D department where I am in charge of new user experiences and, more specifically, the interactions between the user and online connected services.

 

When did you join us and what were you doing before?

 

I joined the company in July 2000 right after the completion of my studies.

 

Read more.

 

 

 

Focus on online payment and iDEAL

 

Hi Axel, what do you work on at Worldline?

 

I am the account manager for our iDEAL acquiring banks in the Netherlands.

 

When did you join us and what were you doing before?

 

I joined the company in 2012 as a service delivery manager in our Aachen offices in Germany. Before Worldline, I worked in a software development company where I was a developer and a project leader.
Read more.

 

 

Connected hotels – bringing the customer experience to life

Imagine a world where you can find, book and pay for your hotel room, check in and out, and access a whole host of local information, services and experiences through a seamlessly integrated mobile application. Imagine lying in your hotel room, changing the scenery on the walls, switching on soothing music and ordering room service – all at the touch of a button on your smart device. Read more.

 

The Bank Card, more than just another payment method

 

Hi Julien, what do you work on at Worldline?

 

I am the Head of Sales for our payment card and strong authentication offers for the banking sector.

 

When did you join us and what were you doing before?

 

I joined Worldline in 2008 and, before that, I was a sales representative at Gartner (ed: Marketing Research firm). Worldline being a global company, I was able to transfer my previous international experience.
Read more.

 

 

Europe: Payments without Borders

 

Hi Sylvie, what do you work on at Worldline?

 

I tackle the development of our non-card solutions. In a company whose culture and DNA revolve around payment cards, I work on offers centered on transfers and direct debits for online payments.

 

When did you join us and what were you doing before?

 

I joined Worldline two and half years ago as the SEPA project was getting started. I had been a banker for fifteen years and Worldline wanted to integrate this type of profile in its teams, the goal being to bring the banking culture to engineers and, therefore, work on an offer catering to a new segment of customers for the company.
Read more.

 

 

The Future of Mobile Payments

 

Hi Jérôme, what do you work on at Worldline?

 

I am a Business Developer in our PPC entity (ed: Payment Processing Center) which is part of our FPL Business Unit (ed: Financial Processing & Software Licensing). In this function, I am in charge of the development of our Mobile Acceptance offer.

 

When did you join us and what were you doing before?

 

I first joined Atos in 2001 and then moved to Worldline in 2009. Before that, I was a consultant in the Banking and Insurance industries before integrating the Banque Populaire group.
Read more.

 

 

Evolution of Payments and Challenges for Merchants

 

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As consumers continue to adopt new payments methods, we sat down with Virginie Waroquiers, our International Director – Commercial Acquiring, to discuss the inherent challenges from the merchants’ perspective. Read More.

 

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