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Innovation

Innovation / delivering simplicity & security in the complex world of payments

Since October 28, 2020, Ingenico has joined Worldline

Worldline is the largest European player in payment services and the fourth largest player worldwide. Worldline provides its clients with sustainable, trusted and secure solutions across the payment value chain and offers best-in-class payment services ranging from POS, online payments, omnichannel solutions to issuing & acquiring and digital banking to nearly one million merchants and 1,200 banks and financial institutions. With 20,000 employees and powered by the dedication of some of the brightest talents in the payments industry, Worldline is shaping new ways of paying, living and doing business.

Learn more about Worldline

Innovation & R&D / at the heart of our strategy

We believe focused innovation is required to stay ahead in the constantly changing world of commerce today. It’s also the best response to the rapid evolution in commerce and consumer lifestyles. Our strategy for ensuring innovation is built upon a strong internal R&D activity, selective partnerships and targeted acquisitions.

Internal R&D is at the heart of our work on innovation, and the solid foundations upon which our success has been built. We also rely on our multi-local presence in order to bring innovation to all our solutions. 

In order to rapidly position ourselves in market segments with high potential, we also regularly enter into technological and commercial partnerships to speed up our Go-To-Market and learn fast.

In such a fast-changing market, sometimes the best and most efficient way to respond to our customers’ needs is to acquire the technology or the expertise required. Through a series of targeted acquisitions such as ROAM, Ogone, GlobalCollect, Bambora, Paymark and Joint Venture such as BS Payone we have created a complete end-to-end suite of multi-channel solutions covering in-store, online and on-the-go payment for SMBs as well as big retailers.

Answering business problematics in a challenging payments ecosystem

Our goal is to innovate by launching solutions answering business problematics in a fast-moving ecosystem.  We see innovation as the point at which three forces intersect: changes in consumer behavior, the breakthroughs brought by new technologies and regulatory issues.

So we imagine solutions solving problems that our customers, the merchants, are facing. In summary: consumers tell us what we should do; technology tells us what we can do; and regulators tell us what we have the right to do. We take these three forces into account in the way we perceive innovation

A dedicated team working on Disruptive Innovation

Built around a team of experts in marketing, technology and research, Ingenico Labs is the company's center of excellence for innovation and the identification of emerging trends and working with all business lines and all regions where Ingenico operates. Its mission is to:

  • ideate to find solutions to identified business problematics,
  • design and develop innovative solutions that could disrupt the industry, set-up the necessary partnerships in terms of marketing and technology to speed-up innovation,
  • experiment through proof of concepts and field tests, while learning fast.

All R&D teams, Marketing teams and the Ingenico Labs are collaborating so that these innovative solutions are quickly brought to market and integrated to our product lines.

Ingenico is also participating in two incubators in Barcelona and Sao Paulo to work in open innovation:

 

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Our domains of exploration

Five domains in which Ingenico Labs is innovating:

Voice Commerce Solution

The Labs has developed a voice commerce solution allowing users to:

  • build a shopping cart with their voice;
  • interact with their favorite brands on all types of connected speakers (Google Home, Alexa, others);
  • finalize the payment in a simple and secure way thanks to ultrasound technology. 
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Self / No Checkout Solutions

The LABS, which brings together Ingenico’s Innovation teams has developed self / no checkout solutions for retail that addresses:

  • existing proximity commerce by simplifying the customer journey thanks to end user identification, seamless automated payment and improved customer experience relying on service personalization, based on trust
  • Rural areas with a suffering proximity commerce ecosystem, by bringing unattended shops that are fully automated and frictionless, with limited operating costs and supervised by trusted authorities
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