Crédit Mutuel Group - 2018 Activity Report ELECTRONIC PAYMENTS MAKING LIFE EASIER FOR OUR CUSTOMERS 2.3 times 2 placend IN FRANCE WITH MORE ELECTRONIC 18.7% SIGNATURES IN 2018 OF THE TOTAL MARKET E-SIGNATURE FOR MULTIPLE EVER MORE INNOVATIVE PAYMENT USES AND IN ALL CHANNELS SOLUTIONS The use of e-signatures increased sharply in 2018 due to theCrédit Mutuel’s complementary and competitive offer ensures growing use of tablets – more than 25,000 tablets have beenit has coverage of all segments of this market, from the key PAY YOUR installed at local banks and branches and more than 2,800 tellerintegrated distribution players and franchise networks to FRIENDS IN ONE CLICK! windows have been equipped. More than 6 million e-signaturesindependent retailers. across all channels (via tablets, as well as over a quarter via online A meal out with friends, a shopping trip, banking) were recorded in 2018. With more than 10.2 million active cards in issue, the group ranks sharing a taxi or a tank of petrol? second in the bank cards market and is the market leader for Who’s paying who for what? Other developments are underway to step up paperless working.public sector purchasing cards. Nearly 2 million active cards have Now with Lyf Pay, paying your friends been issued by the Belgian, German and Spanish subsidiaries. is as easy as sending a text. TABLETS: A VECTOR FOR COMMUNICATION BETWEEN CUSTOMERS AND ADVISORS To keep pace with current technological change, a new mobile payment solution based on HCE (Host Card Emulation) After a trial phase in 2018, this new advisor-supported onlinetechnology was rolled out in late 2018. This allows mobile service approach will be rolled out in spring 2019. payments to be made on Android smartphones and is included in the Lyf Pay mobile solution. In addition, the group’s specialist subsidiary Euro-Information is working to implement payment solutions via connected objects LYF PAY, PAYMENT FOR TODAY such as watches and set-top boxes. All your payment and loyalty card features in a single app! That’s what you get with Lyf Pay, the secure, innovative, multi-service, multi-merchant mobile payment solution that boosts customer relations and offers new purchasing 2 billion experiences. Developed with retailers and designed for consumers, CONTACTLESS TRANSACTIONS the Lyf Pay app puts all the functions users need in one place, IN FRANCE IN 2018 making life easier in stores and on the internet. 63% Following a fi rst successful roll-out of innovative mobile payment + services at Auchan, Géant and Casino supermarkets (over 500 stores), Lyf Pay is now being rolled out at other Casino group brands – Le Petit Casino, Leader Price, Franprix, Monoprix and Naturalia – Sources: GIE Cartes Bancaires as well as at other nationwide French brands such as Carrefour, Marionnaud, Etam, 1.2.3 and Undiz. 52 53