1. FROM PAPER TO DIGITAL:
THE EDENRED CASE IN TODAY’S
DATA-DRIVEN B2B2C MARKET
Pedro Martinez Puig
Edenred, CIO Americas

2. 2
and what we do

3. 3
Edenred, the every day platform for people at work…
Employee Benefits & Engagement
Greener B2B Mobility
B2B payment from invoice to pay
1bn transactions/year
2.5bn API calls/year
45 countries
€38bn
Business
volume
2m
Merchants
52m
Users
950k
Companies
25% growth 2022
250 products

4. 4
from PAPER to DIGITAL

5. 5
60 YEARS OF
EXPERTISE
Started the
journey with
Ticket
Restaurant®
meal voucher in
PAPER
1962
PAPER
VOUCHER
Ticket® launched
the country's first
chip card in Brazil.
Ticket Car/ Ticket
Log portfolio
follows in the Fleet
& Mobility Edenred
family
1998
FIRST CHIP
CARD
2010
Demerger of Accor’s
Hotels, Edenred, is
created
as an independent
company and embraces
the ambition of “Going
paperless for everyone’s
benefit.”
The Payment business
line starts with the
objective of optimising
company expense
management
REBORN AS
EDENRED
2015
Development of
the first virtual
assistant in the
segment, in an
artificial
intelligence
system, the EVA
(Edenred Virtual
Assistant), follows
the path to create
new data-
powered services
ARTIFICIAL
INTELLIGENCE
Edenred Digital
Centers launched
to ensure the
attraction and
retention of global
Tech Talent under
the #Tech4Good
mindset
2019
EDC LAUNCH
BUCHAREST AND
MEXICO CITY
The purchase of
the UK’s Reward
Gateway per
US$1.4b
reinforces its
position as a
leading digital
platform for
services and
payments and
the everyday
companion for
people at work
2023
FAMILY
GROWS

6. 6
€385m
Invested in 2022 in
Technology assets
100%
of new solutions
are digital
2.5bn+
API calls/year
reached in 2020
2022
European
Technology
Awards Fintech
category
TECH
FIGURES
3K
and 700+ to be hired
this year
techpeople
€1.9bn
invested in tech
since 2016

7. 7
paper-driven to
digital platform.

8. 8
It requires a relevant
investment during a
lengthy period €1.9bn since 2016
Experiences
Business applications
Digital services
Infrastructure
Core platforms
 Global scalability and synergies
 Reliable, secure and compliant by design
Business Applications platform
 Customer experience and product focus
 Country cross-fertilization
 Scalability across businesses

9. 9
A Technological asset
that ensures Market
Agility and scale
advantage
API@Scale
Payments@Scale
Cloud Native
Data & AI@Scale
Identity Management
Followed by the 5 topics:

10. 10
BEYOND22-25
BEYOND22-25
LEVERAGING THE API1 LAYER TO DELIVER A FRICTIONLESS USER EXPERIENCE
API@Scale
Data & AI@Scale
Payments@Scale
Identity Management
Cloud Native
2
3
4
5
Distribute Edenred
solutions through
partners
One-click Edenred payment
with 200+ partners
(e.g., Uber, Deliveroo)
Integrate 3rd party
applications within
Edenred solutions
Connect Edenred core
platform eComponents
Connect to customers
applications
1. Application Programming Interface

11. 11
BEYOND22-25
BEYOND22-25
IMPROVING THE CUSTOMER EXPERIENCE AND BUSINESS MODEL THANKS TO DATA
API@Scale
Data & AI@Scale
Payments@Scale
Identity Management
Cloud Native
1
3
4
5
Provide data-powered
services
Provide insights
to partners
and merchants
Store/process data and
machine learning models
Improve internal
efficiencies

12. 12
BEYOND22-25
BEYOND22-25
DELIVERING A FRICTIONLESS SPECIFIC-PURPOSE PAYMENT EXPERIENCE
API@Scale
Data & AI@Scale
Payments@Scale
Identity Management
Cloud Native
1
2
4
5
Pay@pump
Pay in third party
apps with Edenred
Pay@restaurant
Connect with payment
ecosystem and process
transactions
Pay with
virtual card

13. 13
BEYOND22-25
BEYOND22-25
IDENTITY MANAGEMENT FOR IMPROVED SECURITY AND A FRICTIONLESS
EXPERIENCE
API@Scale
Data & AI@Scale
Payments@Scale
Identity Management
Cloud Native
1
2
3
5
Secure user
authentication in Edenred
super-apps
Trusted identity manager
(users/corporate clients/ merchants)
Seamless and secure user
authentication on third
party platforms
SCA1/KYC1 components
360° view on users/corporate clients
across businesses for greater cross-
sell
1. Strong Customer Authentication/Know Your Customer

14. 14
BEYOND22-25
BEYOND22-25
LEVERAGING THE CLOUD TO SCALE THE EDENRED PLATFORM FASTER
API@Scale
Data & AI@Scale
Payments@Scale
Identity Management
Cloud Native
1
2
3
4
Global infrastructure
management
Fast rollout of business
applications across
countries
Smoother ecosystem
integration

15. 15
not only

16. 16
BEYOND22-25
BEYOND22-25
TECHNOLOGY STRATEGY ALIGNED WITH EDENRED CSR STRATEGY
API@Scale
Data & AI@Scale
Payments@Scale
Identity Management
Cloud Native
1. Application Programming Interface
2. General Data Protection Regulation
Green Ops (e.g., low-carbon
energy infrastructure)
Infrastructure on demand
(e.g., Cloud & Hardware)
Dark mode feature
Global talent strategy
 2 Edenred Digital Centers
(Romania, Mexico) with 400+
top talents
 Tech recruitment at scale
(~700 tech recruitments/year)
 Leadership development
programs
 Edenred Academy (Data / API1/
Development)
Agile@Scale methodology
No compromise on security
 100% of business volume
processed on security
certified platforms
GDPR2 by design
Green Tech Compliance by design
Global talents community

17. 17
Tech Talents?

18. 18
TECH ENGAGEMENT
1. Referral Program
2. Recognition Campaigns
3. Flexibility (Full Remote Model)
4. Show our tech power at market
5. Sponsoring Tech Events

19. 19
BEYOND22-25
BEYOND22-25
FROM PAPER TO DIGITAL: THE EDENRED CASE
KEY TAKEAWAYS
Edenred: A 4-layer platform to deliver superior customer experiences
 Business Applications platforms – 2 layers (Experiences and Business Applications)
 Core platforms – 2 layers (Digital Services and Infrastructure)
~€1.9bn technology spend since 2016 to scale technology – more to come
Ensure your Technology strategy is aligned with the CSR ambition to scale your platform in a
sustainable way
5 priorities in our platform transformation:
 API@Scale
 Data and Artificial Intelligence@Scale
 Payments@Scale
 Identity Management
 Cloud Native
 Focus on talent attraction, development and
retention

20. Any doubts?