Edenred Sa · EURONEXT:EDEN
Edenred Sa — Investor Presentation (November 2024)
78 slides from Edenred Sa's investor presentation, November 2024
Slide 1: Presentation for Investors November 2024
PRESENTATION FOR INVESTORS NOVEMBER 2024
Slide 2: Contents
CONTENTS 1. Edenred, the everyday platform for people at work 2. Edenred’s vision 3. Beyond22-25: the strategic plan driving this vision forward 4. A strengthened sustainable development policy 5. H1 2024 results, Q3 2024 highlights & FY 2024 outlook 6. Shaping the future 2
Slide 3: Edenred, the everyday platform for people at work
Edenred, the everyday platform for people at work in… … employee benefits & engagement … greener B2B mobility … B2B payment from invoice to pay 3
Slide 4: An intermediation and orchestration platform
AN INTERMEDIATION AND ORCHESTRATION PLATFORM… >60m €41bn Users Business volume >2m Merchants c.1m Companies Everyday platform for people at work Eat Care Move Pay 2023 figures 4
Slide 5: Driving positive impacts on essential needs, for all stakeholders
…DRIVING POSITIVE IMPACTS ON ESSENTIAL NEEDS, FOR ALL STAKEHOLDERS For employees For corporate clients ▪ Purchasing power and well-being ▪ Employee engagement and payroll efficiency ▪ Simplified mobility experience ▪ Fleet total cost of ownership ▪ Smoother corporate expense efficiency ENRICH CONNEC
Slide 6: A portfolio of 250+ programs
A PORTFOLIO OF 250+ PROGRAMS 63%1 25%1 12%1 Benefits & Engagement Mobility Complementary Solutions Fleet Virtual Accounts VCN2 API Meal and food Gifts Mobility Fuel / Ethanol EV charging maintenance Payable & portal Payroll Employee Rewards & Wellbeing Toll Freight payment VAT refund Acquiring Incen
Slide 7: A global platform, operating in 45 countries
A GLOBAL PLATFORM, OPERATING IN 45 COUNTRIES FY 2023 operating revenue contribution Latin America Europe 29% 62% Rest of the World 9% 7
Slide 8: Contents
CONTENTS 1. Edenred, the everyday platform for people at work 2. Edenred’s vision 3. Beyond22-25: the strategic plan driving this vision forward 4. A strengthened sustainable development policy 5. H1 2024 results, Q3 2024 highlights & FY 2024 outlook 6. Shaping the future 8
Slide 9: Edenred's vision
Edenred's vision New market Edenred platform paradigm advantage 9
Slide 10: Edenred environment undergoing sustainable mutations
EDENRED ENVIRONMENT UNDERGOING SUSTAINABLE MUTATIONS Working world A new era of Data and transformations mobility AI1 revolution Talent war, increased focus Fleet manager demand for Real-time data analytics, on wellbeing & demand for greener and smarter mobility powered by Artificial personalized be
Slide 11: Edenred's vision
Edenred’s vision New market Edenred platform paradigm advantage 11
Slide 12: An efficient business model by design
AN EFFICIENT BUSINESS MODEL BY DESIGN 12
Slide 13: A 4-layer platform: experiences layer
A 4-LAYER PLATFORM Experiences layer for stakeholders: users, corporate clients and merchants 13
Slide 14: A 4-layer platform: business applications layer
A 4-LAYER PLATFORM Business applications layer to aggregate, orchestrate and distribute services for stakeholders 14
Slide 15: A 4-layer platform: digital services layer
A 4-LAYER PLATFORM Digital services layer to connect with the ecosystem through API libraries (expose and consume) 15
Slide 16: A 4-layer platform: infrastructure layer
A 4-LAYER PLATFORM Infrastructure layer at scale to leverage the power of cloud computing, data, AI1 and specific-purpose payment capabilities 1. Artificial intelligence 16
Slide 17: Providing high flexibility and connectivity
…PROVIDING HIGH FLEXIBILITY AND CONNECTIVITY Digital 250+ experiences Local specific-purpose relevance payment programs Business applications in 45 countries Distributing third-party Connectivity solutions and being distributed by selected partners Digital services Global Scale 3 business lines Bene
Slide 18: Continuously investing in the Edenred platform and technology
CONTINUOUSLY INVESTING IN THE EDENRED PLATFORM AND TECHNOLOGY Increased tech investments Innovation & operation at scale 800+ Tech talents recruited every year 70% Platform 2023 Tech spend1 20% Infrastructure ~36bn Annual API messages ~€480m Security & 10% Compliance Higher tech developer >15% produ
Slide 19: A platform creating a competitive advantage for Edenred
A PLATFORM CREATING A COMPETITIVE ADVANTAGE FOR EDENRED… Edenred platform advantage Increase Total Accelerate sustainable Addressable Market Enrich business model = and profitable growth Core solutions attractiveness Acquisition x New Beyond solutions Engagement New client segments x Monetization 19
Slide 20: Increasing barriers to entry
…AND INCREASING BARRIERS TO ENTRY B2B2C portfolio Customization Trust and Technology size capabilities compliance Dealing Investing Managing Managing with: in innovation: a multi-solution c. €41bn of c.1m corporate €2.5bn invested and multi-local business volume clients, 60m+ users since 2016 in por
Slide 21: Contents
CONTENTS 1. Edenred, the everyday platform for people at work 2. Edenred’s vision 3. Beyond22-25: the strategic plan driving this vision forward 4. A strengthened sustainable development policy 5. H1 2024 results, Q3 2024 highlights & FY 2024 outlook 6. Shaping the future 21
Slide 22: Strategic plan 22-25
To materialize this vision and leverage its platform, Edenred has a strategic plan: 22-25 22
Slide 23: On a path to €5bn total revenue by 2030
ON A PATH TO €5BN TOTAL REVENUE BY 20301 5 Edenred total revenue [€bn] M&A opportunity 2.5 Organic growth on 2022 scope 2.0 1.1 1.0 2010 2015 2022 2023 2030 1. At 2022 FX rate 23
Slide 24: Leading to bigger ambitions for Edenred
BEYOND22-25 LEADING TO BIGGER AMBITIONS FOR EDENRED Global Performance Ambition MEDIUM-TERM ANNUAL TARGETS (2022-2025) vs. >+10% in L/L EBITDA growth >+12% Next Frontier19-22 Increased financial ambition Annual FCF1 / EBITDA vs. >65% in conversion rate2 >70% Next Frontier19-22 SBTi3 Net Zero Carbon
Slide 25: Operating on vastly underpenetrated markets
BEYOND22-25 OPERATING ON VASTLY UNDERPENETRATED MARKETS Benefits & Engagement Mobility Corporate Payment Addressable market1, business volume Addressable market2, business volume Addressable market3, business volume c. 35% c. 10% c. 30% €300bn €1,700bn ~€10,000bn c. 70% c. 65% c. 90% 1. Meal & Food
Slide 26: A strategy based on three major levers
BEYOND22-25 A STRATEGY BASED ON THREE MAJOR LEVERS … #3. Expand in New Businesses Seize new business opportunities Enriched business model 10% #2. Extend Beyond Accelerate Beyond Food, Fuel and Payment #1. Scale the 30% Core Grow further in underpenetrated core markets 60% Increased Total Addressabl
Slide 27: Cascading across business lines
BEYOND22-25 …CASCADING ACROSS BUSINESS LINES… Benefits & Engagement Mobility Complementary Solutions Expand Expand in New Businesses, e.g., Expand in New Businesses, e.g., Expand in New Businesses, e.g., Rewards and recognition B2B2C mobility Ticket Xpress Asia expansion US employee benefits & engag
Slide 28: Extending Edenred total addressable market up to x3
… AND EXTENDING EDENRED TOTAL ADDRESSABLE MARKET UP TO X3 Benefits & Engagement Mobility Complementary Solutions TAM: €1,000bn volume TAM: €4,000bn volume TAM: €25,000bn volume +Other (wellbeing, health, +Fleet mobility benefits) management +US ACH2,3 €700bn €2,300bn €15,000bn +On- road +B2E gifting
Slide 29: Leveraging the Edenred platform
Beyond22-25: Leveraging the Edenred platform Increase Total Addressable Enrich Accelerate Business Model Market sustainable and profitable growth Decrease cost to serve 29
Slide 30: Leveraging the Edenred platform: increase TAM
BEYOND22-25: LEVERAGING THE EDENRED PLATFORM Increase Enrich Total Addressable Business Model Market Accelerate 1 Core solutions attractiveness sustainable and 2 New Beyond solutions profitable growth 3 New client segments Decrease cost to serve 30
Slide 31: Core solutions attractiveness
1. CORE SOLUTIONS ATTRACTIVENESS SUSTAINED RELEVANCY OF OUR SOLUTIONS Maximum legal face value increases in 2023… …fueling growth in 2024 onwards Illustration – Impact on Edenred client base average face value usage of Edenred Benefits & Engagement Maximum legal face New legal face 52% countries hav
Slide 32: New Beyond solutions: share of Beyond Food
2. NEW BEYOND SOLUTIONS SHARE OF BEYOND FOOD INCREASING IN LINE WITH AMBITION Benefits & Engagement Share of Operating Revenue ~35% Beyond Food +5pts 31% $ 26% ~65% Meal & Food 74% 69% 2021 2023 20251 32 1. Beyond22-25 expectations
Slide 33: An extended Benefits & Engagement value proposition
2. NEW BEYOND SOLUTIONS AN EXTENDED BENEFITS & ENGAGEMENT VALUE PROPOSITION Distributing additional 3rd party benefits… …and expanding to engagement through M&A Employee Rewards & Employee Benefits management platform Well-being Savings Recognition Communications Edenred benefits 3rd-party benefits
Slide 34: Reward Gateway integration moving at pace
2. NEW BEYOND SOLUTIONS REWARD GATEWAY INTEGRATION MOVING AT PACE UK integration Annual run rate ~£10m synergies phased by 2025 >25% Reported revenue growth in 2023 International expansion > 105% Belgium, France and Italy to be live Net Revenue Retention1 in Q2 2024 International roll-out plan d
Slide 35: Accelerating Beyond Fuel
2. NEW BEYOND SOLUTIONS ACCELERATING BEYOND FUEL Scaling Maintenance in Latin America Accelerating Toll in Europe Toll service available in #1 27 countries in Brazil ent Ca r em M b Rolling-out in Launch of UTA One on g gt na Mexico Next toll device in 2023 Fleet Ma B2B Mobility Platform ve Electric
Slide 36: Extending to B2C market through new distribution channels
3. NEW CLIENT SEGMENTS EXTENDING TO B2C MARKET THROUGH NEW DISTRIBUTION CHANNELS An attractive B2C toll market in Brazil… …reached through new distribution channels Historical double-digit growth of toll market B2C market 11x bigger than B2B x market, thus opening significant opportunities High-
Slide 37: Leveraging the Edenred platform: enrich business model
BEYOND22-25: LEVERAGING THE EDENRED PLATFORM Increase Enrich Total Addressable Business Model Market Accelerate 1 Acquisition x sustainable and 2 Engagement profitable growth x 3 Monetization Decrease cost to serve 37
Slide 38: Further accelerating on SME acquisition
1. ACQUISITION FURTHER ACCELERATING ON SME ACQUISITION Ample room for further penetration Further acceleration in 2023 SME market still 3 to 5 times less penetrated Telesales productivity & websales than global market acceleration… 2023 SME penetration, Meal & Food … coupled with state-of-the-
Slide 39: Increased reach through selective indirect distribution channels
1. ACQUISITION INCREASED REACH THROUGH SELECTIVE INDIRECT DISTRIBUTION CHANNELS Strong local partnerships… …like Itau in Brazil Benefits & Engagement Largest Brazilian privately-owned bank with more than 1 million corporate clients Partnership launched in 2019 Mobility Highly complementary dis
Slide 40: Pushing best-in-class user experience on Edenred applications
2. ENGAGEMENT PUSHING BEST-IN-CLASS USER EXPERIENCE ON EDENRED APPLICATIONS Best-in-class mobile applications… …resulting in increased user engagement Edenred App rating 4.8/5 Apple Store Google Play 4.6/5 (Android) Average monthly app connections ~7 per active user 40
Slide 41: Capitalizing on value-added services
3. MONETIZATION CAPITALIZING ON VALUE-ADDED SERVICES… From Edenred …to a portfolio of 8 digital …driving higher user salary card… B2C services… monetization +10pts Revenue from 31% Value-Added Services 21% Revenue 79% 69% from salary card Enabling 1.8m unbanked blue-collar workers in United 2021 202
Slide 42: Developing new recurring sources of revenue
3. MONETIZATION …AND DEVELOPING NEW RECURRING SOURCES OF REVENUE SaaS fees from platform monetization: Subscription fees for package offerings: Reward Gateway example Edenred Hits example Revenue split by nature, in %, 2023 All mobility products in Transactional Fees bundle (e.g., fuel, toll, from
Slide 43: Leveraging the Edenred platform
BEYOND22-25: LEVERAGING THE EDEREND PLATFORM Increase Enrich Total Addressable Accelerate Business Model Market sustainable and profitable growth Decrease cost to serve 43
Slide 44: Decreasing cost to serve: assets mutualization and automation
DECREASING COST TO SERVE: ASSETS MUTUALIZATION AND AUTOMATION Mutualizing Edenred assets Mutualized specific-purpose payment factory Benefits & Mobility Complementary Engagement Solutions Fintechs, corporates and retailers Internal External customers customers ~€100bn Payment volume processed in 202
Slide 45: Leveraging the Edenred platform: results 2021-2023
BEYOND22-25: LEVERAGING THE EDENRED PLATFORM Increase Enrich Accelerate Total Addressable Business Model sustainable and Market profitable growth Decrease cost to serve Faster revenue Growing investment growth Higher EBITDA capabilities +€887m +€424m €871m +22% CAGR1 +29% CAGR1 cumulated investment
Slide 46: Contents
CONTENTS 1. Edenred, the everyday platform for people at work 2. Edenred’s vision 3. Beyond22-25: the strategic plan driving this vision forward 4. A strengthened sustainable development policy 5. H1 2024 results, Q3 2024 highlights & FY 2024 outlook 6. Shaping the future 46
Slide 47: Strengthening a long-standing ESG commitment
STRENGTHENING A LONG-STANDING ESG COMMITMENT EMPLOYER OF CHOICE NET ZERO CARBON BY 2050 TRUSTWORTHY TECH FOR GOOD as Edenred & via Edenred solutions 47
Slide 48: Further delivery on ESG in 2023
FURTHER DELIVERY ON ESG IN 2023 ESG progress… …recognized by leading ESG ratings CAC40 for the 2nd consecutive year 2022 2023 ESG % of women among executive 33% 37% 2024 member of the positions Sustainability Yearbook % GHG emissions intensity reduction -51% -61% B vs. C in 2021 vs. 20131 Climate %
Slide 49: Move for Good product at the center of our mobility strategy
MOVE FOR GOOD PRODUCT AT THE CENTER OF OUR MOBILITY STRATEGY Measure & Reduce Raise awareness Measure carbon emissions and encourage Encourage a culture that cleaner mobility adoption promotes sustainable mobility Compensate & Preserve Offset emissions that could not be reduced or avoided. 4,500+ Cu
Slide 50: Contents
CONTENTS 1. Edenred, the everyday platform for people at work 2. Edenred’s vision 3. Beyond22-25: the strategic plan driving this vision forward 4. A strengthened sustainable development policy 5. H1 2024 results, Q3 2024 highlights & FY 2024 outlook 6. Shaping the future 50
Slide 51: Beyond22-25 plan has delivered superior performance in H1 24
Beyond22-25 plan has delivered superior performance in H1 2024 51
Slide 52: Edenred confirms the strong momentum and continues to deliver
EDENRED CONFIRMS THE STRONG MOMENTUM OF THE LAST HALF YEARS AND CONTINUES TO DELIVER A SOLID FINANCIAL PERFORMANCE FUNDS FROM NET PROFIT, TOTAL REVENUE EBITDA OPERATIONS GROUP SHARE €1,395m €597m €400m €235m +18.5%1 +23.7% +18.3% +16.3% reported vs. H1 2023 reported vs. H1 2023 reported vs. H1 2023
Slide 53: Strong like-for-like operating revenue growth
STRONG LIKE-FOR-LIKE OPERATING REVENUE GROWTH Operating revenue in €m Continued strong business momentum thanks to new client wins 1,271 • In every business line +175 Benefits & Engagement Mobility Complementary Solutions 1,095 646 +77 569 • In every segment Large accounts Middle market SMEs c.+17
Slide 54: Robust double-digit organic growth in Benefits & Engagement and Mobility
ROBUST DOUBLE-DIGIT ORGANIC GROWTH IN BENEFITS & ENGAGEMENT AND MOBILITY… Benefits & Engagement Mobility Complementary Solutions ▪ Corporate Payment Services % OF H1 2024 GROUP ▪ Incentive OPERATING REVENUE 65% 24% 11% & Rewards ▪ Public Social Programs €821m €311m €139m H1 2024 LIKE-FOR-LIKE OPERAT
Slide 55: …and across all geographies
…AND ACROSS ALL GEOGRAPHIES Europe +10.7% like-for-like 61% vs. H1 2023 Latin America +22.1%1 like-for-like 29% vs. H1 2023 Rest of the World +26.1% like-for-like 10% vs. H1 2023 1. +27.8% like-for-like vs. 2023 published figures. The figures set above is based on adjusted 2023 figures that reflect
Slide 56: Strong increase in EBITDA and operating EBITDA margins
STRONG INCREASE IN EBITDA AND OPERATING EBITDA MARGINS EBITDA in €m 597 +114 EBITDA margin up 2.7pts2 like-for-like 483 reflecting: • Operating leverage, with operating EBITDA 42.8% 41.0%1 margin margin up 1.4pt2 like-for-like margin • Additional contribution from other revenue H1 2023 H1 2024 +26
Slide 57: Net profit, Group share
NET PROFIT, GROUP SHARE Reported H1 2024 H1 2023 change In € millions EBITDA 597 483 +23.7% D&A (73) (61) PPA (37) (24) EBIT 488 399 +22.4% Share of net profit from equity-accounted companies 0 (1) Other income and expenses (13) (19) Operating profit including share of net profit from equity account
Slide 58: Strong funds from operations generation
STRONG FUNDS FROM OPERATIONS (FFO) GENERATION H1 2024 H1 2023 In € millions EBITDA 597 483 FFO generation at €400m, up 18% Funds from operations (FFO) 400 338 benefiting from EBITDA growth partially offset by higher net financial expenses (Decrease)/Increase in cash linked to changes in float (121
Slide 59: Net debt stable year-on-year
Net debt as of June 30, 2024 NET DEBT STABLE YEAR-ON-YEAR Currency effects June 30, 2023 June 30, 2024 Free cash flow Acquisitions Shareholder return and other non- Net debt position Net debt position recurring items Notably including: • Dividends paid to Edenred SE shareholders: €(271)m €(1,851)m •
Slide 60: A robust financial position
A ROBUST FINANCIAL POSITION Average bond debt maturity of 3.2 years High level of liquidity and solid balance sheet €5.2bn in cash1 and restricted funds on balance sheet 500 Confirmed undrawn revolving 35% 31% of credit facility €750m tied to social and environmental criteria 700 50% 600 500 500
Slide 61: Edenred delivers double-digit growth in Q3 2024
Edenred delivers double-digit growth in Q3 2024, despite worsening of the macro-economic context in Europe 61
Slide 62: Double-digit like-for-like operating revenue growth in Q3 24 and 9M 2024
DOUBLE-DIGIT LIKE-FOR-LIKE OPERATING REVENUE GROWTH IN Q3 2024 AND 9M 2024 Operating Revenue in €m Despite a macro-economic worsening across Europe and a soft performance in Complementary Solutions, ability to +10.8% LFL1 +13.8% LFL1 generate sustainable growth thanks to a 1,889 619 1,678 good com
Slide 63: Double-digit growth in Benefits & Engagement and Mobility in Q3 2024
DOUBLE-DIGIT GROWTH IN BENEFITS & ENGAGEMENT AND MOBILITY IN Q3 2024 Benefits & Engagement Mobility Complementary Solutions ▪ Corporate Payment Services % OF Q3 2024 GROUP OPERATING REVENUE 64% 25% 11% ▪ Incentive & Rewards ▪ Public Social Programs Q3 2024 OPERATING REVENUE €398m €152m €69m Q3 2024
Slide 64: Healthy growth across multiple geographies
HEALTHY GROWTH ACROSS MULTIPLE GEOGRAPHIES Europe 59% +6.7% LFL vs. Q3 2023 Latin America 31% +16.7% LFL vs. Q3 20231 Rest of the World % of Q3 2024 Group operating 10% +16.4% LFL vs. Q3 2023 revenue 64 1. Based on adjusted 2023 figures. When compared to 2023 published figures, Q3 2024 LFL growth wo
Slide 65: A well-balanced capital allocation with clear priorities
A WELL-BALANCED CAPITAL ALLOCATION WITH CLEAR PRIORITIES #1 Organic growth and innovation Continued investment in Product and Technology with €480m invested in FY 2023 – focus on next slides Systematic validation process at Group level (Investment Committee) #2 M&A with stringent financial and s
Slide 66: Extra-financial performance
EXTRA-FINANCIAL PERFORMANCE Further recognition of ESG commitments in 2024 72 +4pts vs. 2023 15.2 1.6pt improvement vs. 2023 low risk Edenred made significant improvement in its ESG delivery in H1 2024 66
Slide 67: Continuously seizing growth opportunities in the frame of Beyond22-25
CONTINUOUSLY SEIZING GROWTH OPPORTUNITIES IN THE FRAME OF BEYOND22-25 STRATEGY Further sustainable and profitable growth 1 Further penetrating Edenred core markets, notably in the SME segment, and reinforcing leading positions 2 Extending Edenred’s portfolio of Beyond Food and Beyond Fuel solutions,
Slide 68: 2024 guidance confirmed
2024 GUIDANCE CONFIRMED EBITDA Cash conversion Guidance confirmed and range narrowed Guidance confirmed €1,245m – €1,285m1 >70% EBITDA to FCF conversion rate3 (vs between €1,230m - €1,300m as announced on July 23rd, 2024) Slight increase in expected other revenue2 to be offset by negative FX impac
Slide 69: Contents
CONTENTS 1. Edenred, the everyday platform for people at work 2. Edenred’s vision 3. Beyond22-25: the strategic plan driving this vision forward 4. A strengthened sustainable development policy 5. H1 2024 results, Q3 2024 highlights & FY 2024 outlook 6. Shaping the future 69
Slide 70: A fully integrated Benefits & Engagement platform
Edenred’s ambition A FULLY INTEGRATED BENEFITS & ENGAGEMENT PLATFORM 70
Slide 71: Reinforcing benefits beyond food: RB acquisition in Brazil
REINFORCING BENEFITS BEYOND FOOD: RB ACQUISITION IN BRAZIL Attractive employee transport market Acquiring RB1 to drive scale 1999 Founded Mandatory benefit for employees c. 300 employees ~30% of total workforce using public transportation to commute Customers, with a 15,000+ daily strong SME foc
Slide 72: The end-to-end platform for seamless and efficient mobility management
Edenred’s ambition THE END-TO-END PLATFORM FOR SEAMLESS AND EFFICIENT MOBILITY MANAGEMENT 72
Slide 73: Fleet managers experiencing increased complexity due to e-mobility
FLEET MANAGERS ARE EXPERIENCING INCREASED COMPLEXITY DUE TO E-MOBILITY DEVELOPMENT Coexistence of combustion Fleet complexity engine, hybrid and electric vehicles in one fleet Diverse energy One objective: sources Fuel, ethanol and electricity Business Continuity ‘Make it work Multiple charging Work
Slide 74: With Spirii acquisition, Edenred best positioned to benefit from e-mobility
WITH SPIRII ACQUISITION, EDENRED IS NOW BEST POSITIONED TO BENEFIT FROM E-MOBILITY Integrated 360° Charging Solutions EV Services Road Work & Depot Home Fleet Services Hybrid card & mobile app for From project design & CP1 marketplace & data Energy & load management, CP1 location finder & remote ins
Slide 75: Spirii: a global SaaS platform for EV charging solutions
SPIRII: A GLOBAL SAAS1 PLATFORM OFFERING A BROAD RANGE OF EV CHARGING SOLUTIONS Infrastructure Charge Point Management On-road services Energy and load 3rd party hardware Charge management, customer care, Station screen Climate impact reseller optimization reporting & insights Selected examples: Par
Slide 76: Leveraging the full potential of data and artificial intelligence
Edenred’s ambition LEVERAGING THE FULL POTENTIAL OF DATA AND ARTIFICIAL INTELLIGENCE 76
Slide 77: Strong foundations delivered to embrace data and GenAI revolution
STRONG FOUNDATIONS DELIVERED TO EMBRACE DATA AND GEN AI REVOLUTION Strong foundations delivered… …to improve efficiency on all dimensions 1 Individual productivity Data practitioners 200+ (including 65 experts) within Secured and private Edenred today version of ChatGPT for all Edenred employees Rol
Slide 78: Enrich connections. For good.
Enrich connections. FOr QOOd