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Paris, le 7 octobre 2021 \u2013 Les paiements entrent dans une nouvelle \u00e8re centr\u00e9e sur l\u2019exp\u00e9rience (Payments 4.X<\/strong>[1]<\/sup><\/strong><\/a>), du fait d\u2019une transformation acc\u00e9l\u00e9r\u00e9e li\u00e9e au COVID-19 et de l\u2019app\u00e9tit croissant des clients pour le digital, selon le <\/strong>World Payments Report 2021 <\/strong><\/a> publi\u00e9 aujourd\u2019hui par <\/strong>Capgemini<\/strong><\/a>. Tir\u00e9e par l\u2019Asie-Pacifique, la demande d\u2019options de paiement digitales est plus forte que jamais, ainsi que les attentes en mati\u00e8re de r\u00e8glement de transactions plus rapide, de paiements instantan\u00e9s, de monnaie \u00e9lectronique, de s\u00e9curit\u00e9 int\u00e9gr\u00e9e et d\u2019exp\u00e9rience client exceptionnelle.<\/strong><\/p>\n\n\n\nD\u2019apr\u00e8s le rapport, pr\u00e8s de 45 % des consommateurs utilisent fr\u00e9quemment des portefeuilles mobiles pour effectuer des paiements (plus de 20 transactions par an), contre 23 % dans le sondage r\u00e9alis\u00e9 en 2020. En outre, les transactions B2B non-cash dans le monde devraient atteindre pr\u00e8s de 200 milliards de transactions d\u2019ici 2025, contre 121,5 milliards en 2020, selon les estimations de Capgemini.<\/p>\n\n\n\n\u00ab Alors que les paiements \u00e9lectroniques et les portefeuilles mobiles deviennent plus la norme que l\u2019exception, les fournisseurs de services de paiement doivent trouver des moyens de r\u00e9pondre aux attentes des consommateurs en mati\u00e8re de rapidit\u00e9 et de simplicit\u00e9 d\u2019utilisation, <\/em>a d\u00e9clar\u00e9 Anirban Bose, Directeur g\u00e9n\u00e9ral de l\u2019activit\u00e9 Services financiers de Capgemini et membre du Comit\u00e9 de Direction g\u00e9n\u00e9rale du Groupe. Les banques doivent cr\u00e9er un \u00e9cosyst\u00e8me de partenariats compl\u00e9mentaires pour adopter la nouvelle g\u00e9n\u00e9ration de paiements et suivre le rythme du changement. \u00bb<\/em><\/p>\n\n\n\nAlors que l\u2019on assiste \u00e0 une reprise des d\u00e9penses, la croissance des transactions non-cash sera port\u00e9e par les paiements nouvelle g\u00e9n\u00e9ration<\/strong><\/p>\n\n\n\nSelon le rapport, avec la reprise des d\u00e9penses pr\u00e9vue en 2021, les transactions non-cash vont augmenter, notamment du fait de la croissance des paiements instantan\u00e9s, de la monnaie \u00e9lectronique et des modes de paiement nouvelle g\u00e9n\u00e9ration : paiement facilit\u00e9 \u00ab Acheter maintenant et payer plus tard \u00bb, invisible ou biom\u00e9trique et cryptomonnaie. Apr\u00e8s huit ann\u00e9es de croissance \u00e0 deux chiffres, l\u2019essor mondial des transactions non-cash a ralenti pour s\u2019\u00e9tablir \u00e0 7,8 % en 2020, contre 16,5 % en 2019, du fait de l\u2019h\u00e9sitation face aux conditions de march\u00e9 incertaines li\u00e9es \u00e0 la pand\u00e9mie. Les transactions non-cash dans le monde devraient cro\u00eetre \u00e0 un taux de croissance annuel compos\u00e9 (TCAC) de 18,6 % (pr\u00e9vision 2020-2025), port\u00e9es par les modes de paiement nouvelle g\u00e9n\u00e9ration, et atteindre 1 800 milliards en volume d\u2019ici \u00e0 2025.<\/p>\n\n\n\n\u00c0 l\u2019\u00e9chelle mondiale, l\u2019Asie-Pacifique m\u00e8ne la r\u00e9volution des paiements digitaux. D\u2019ici 2025, la r\u00e9gion devrait repr\u00e9senter plus de la moiti\u00e9 des transactions non-cash dans le monde avec un TCAC de 28 % entre 2020 et 2025. Plus d\u2019un demi-milliard d\u2019Europ\u00e9ens d\u00e9clarent qu\u2019ils effectueront des achats en ligne en 2021, les transactions transfrontali\u00e8res repr\u00e9sentant 25,5 % du total.[2]<\/sup><\/a> En Europe, les paiements mobiles et l\u2019e-commerce transfrontalier devraient augmenter pour atteindre plus de 400 milliards de transactions en 2025 \u00e0 un TCAC de 13 % (pr\u00e9vision 2020-2025). Les volumes de paiements non-cash en Am\u00e9rique du Nord devraient se stabiliser en raison de la stagnation des transactions par carte et d\u2019une lente adoption des paiements mobiles.<\/p>\n\n\n\nAvec l\u2019augmentation des attentes client, les anciennes infrastructures de paiement sont mises \u00e0 l\u2019\u00e9preuve<\/strong><\/p>\n\n\n\nAlors que l\u2019adoption du digital continue de s\u2019acc\u00e9l\u00e9rer, l\u2019augmentation des volumes et les besoins de traitement instantan\u00e9 mettent \u00e0 rude \u00e9preuve les anciennes infrastructures de paiement. Environ 55 % des cadres interrog\u00e9s ont d\u00e9clar\u00e9 que leurs investissements technologiques prioritaires concernaient la modernisation des infrastructures de paiement (mise en \u0153uvre d\u2019un syst\u00e8me de paiement en temps r\u00e9el, int\u00e9gration d\u2019API, migration ISO 20022, transformation cloud). Les fournisseurs de services de paiement doivent donner la priorit\u00e9 aux fonctionnalit\u00e9s num\u00e9riques pour rester comp\u00e9titifs. Le COVID-19 a acc\u00e9l\u00e9r\u00e9 la digitalisation des paiements pour les particuliers comme pour les entreprises. Les lacunes en mati\u00e8re de satisfaction client ainsi que l\u2019app\u00e9tit croissant des clients particuliers et du B2B pour le digital continuent \u00e0 red\u00e9finir l\u2019engagement client dans le secteur des paiements. Selon le rapport, les domaines cl\u00e9s dans lesquels des \u00e9carts existent entre les attentes des clients et les priorit\u00e9s des cadres interrog\u00e9s sont : un programme de fid\u00e9lit\u00e9 attrayant, une exp\u00e9rience de transaction fluide, des options de paiement alternatives et des produits de paiement durables.<\/p>\n\n\n\nLes r\u00e9gulateurs s\u2019efforcent de trouver le juste \u00e9quilibre entre innovation et s\u00e9curit\u00e9<\/strong><\/p>\n\n\n\nLes fournisseurs de services de paiement ont b\u00e9n\u00e9fici\u00e9 d\u2019une nouvelle approche \u00e9quilibr\u00e9e des initiatives r\u00e9glementaires et sectorielles cl\u00e9s (KRII) visant \u00e0 promouvoir un environnement favorable aux paiements. Pour la premi\u00e8re fois depuis le suivi des KRIIs, les r\u00e9gulateurs ont suivi une d\u00e9marche \u00e9quilibr\u00e9e sur l\u2019ensemble des principaux objectifs (r\u00e9duction des risques, standardisation, concurrence et transparence, innovation) afin de maintenir l\u2019\u00e9quilibre sur le march\u00e9 des paiements.<\/p>\n\n\n\nLes KRIIs \u00e9voluent de mani\u00e8re cyclique en mettant l\u2019accent sur l\u2019efficience, l\u2019orientation client, l\u2019innovation et la collaboration. En garantissant des conditions de concurrence \u00e9quitables gr\u00e2ce \u00e0 des mesures anti-monopole et \u00e0 un partage transparent des donn\u00e9es, les d\u00e9cideurs politiques ouvrent la voie \u00e0 un avenir favorable \u00e0 l\u2019Open finance<\/em>. Selon le rapport, les fournisseurs de services de paiement devraient chercher \u00e0 tirer parti de cette approche r\u00e9glementaire alors qu\u2019ils continuent d\u2019innover pour r\u00e9pondre \u00e0 la demande des consommateurs.<\/p>\n\n\n\nLes soci\u00e9t\u00e9s de paiement doivent assurer leur avenir avec Payments 4.X<\/strong><\/p>\n\n\n\nAvec des d\u00e9penses et des modes de paiement non traditionnels en pleine croissance, les acteurs qui veulent assurer leur avenir adopteront les crit\u00e8res de Payments 4.X, notamment les donn\u00e9es, une infrastructure partag\u00e9e, des fonctionnalit\u00e9s de plateforme et une finance int\u00e9gr\u00e9e, pour offrir une exp\u00e9rience client sup\u00e9rieure. Pour am\u00e9liorer leurs perspectives de rentabilit\u00e9, la plupart des cadres interrog\u00e9s au sein de ces \u00e9tablissements bancaires ont opt\u00e9 pour des mesures sur leur mod\u00e8le d\u2019exploitation telles que l\u2019investissement dans des tiers pour \u00e9laborer des propositions innovantes (52 %), la mise en place d\u2019un \u00e9cosyst\u00e8me bas\u00e9 sur des API et le passage \u00e0 un mod\u00e8le \u00e9conomique fond\u00e9 sur les plateformes (45 %). Les entreprises de paiement les plus performantes collaboreront avec des PayTech et des partenaires de l\u2019\u00e9cosyst\u00e8me pour \u00e9laborer des solutions tourn\u00e9es vers l\u2019exp\u00e9rience client plut\u00f4t que sur les produits. La maturit\u00e9 des API, la qualit\u00e9 des donn\u00e9es et des capacit\u00e9s de traitement augment\u00e9es, associ\u00e9es \u00e0 l\u2019agilit\u00e9 cloud, seront les catalyseurs de Payments 4.X pour passer de la conception traditionnelle des transactions \u00e0 de nouvelles approches de mon\u00e9tisation.<\/p>\n\n\n\nM\u00e9thodologie du rapport<\/strong><\/p>\n\n\n\nLe rapport 2021 sur les paiements \u00e0 travers le monde fournit des analyses sur 44 march\u00e9s de paiement dans diverses zones g\u00e9ographiques. Nous avons d\u00e9fini cinq r\u00e9gions pour les graphiques macro-descriptifs : Europe, Am\u00e9rique du Nord, Asie-Pacifique, Am\u00e9rique latine et Afrique\/Moyen-Orient, regroup\u00e9es par crit\u00e8res g\u00e9ographiques, \u00e9conomiques et de maturit\u00e9 du march\u00e9 des paiements non-cash. Le rapport s\u2019appuie sur les conclusions d\u2019une enqu\u00eate sur le retour de 6 300 clients du monde entier et sur des entretiens et des enqu\u00eates aupr\u00e8s de plus de 210 responsables des paiements.<\/p>\n\n\n\n[1]<\/sup><\/a> Un environnement ax\u00e9 sur l\u2019exp\u00e9rience, marqu\u00e9 par une forte consolidation du secteur et qui attire un \u00e9cosyst\u00e8me d\u2019acteurs technologiques<\/p>\n\n\n\n[2]<\/sup><\/a> Internet Retailing<\/a>, \u00ab European eCommerce revenues jump 30% to US$465bn in 2021 \u00bb (L\u2019e-commerce europ\u00e9en g\u00e9n\u00e8re un chiffre d\u2019affaires de 465 milliards USD en 2021, soit une hausse de 30 %), page consult\u00e9e en juillet 2021.<\/p>\n\n\n\nE-Commerce News Europe<\/a>, \u00ab 25.5% of ecommerce in Europe is cross-border \u00bb (25,5 % du e-commerce en Europe est transfrontalier), 31 mars 2021.<\/p>\n\n\nRelated News<\/h2><\/div><\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tActualit\u00e9s financi\u00e8res<\/span><\/span>\n\t\t\t\t\t\t\t\t\tChiffre d\u2019affaires du 1er trimestre 2026<\/h3><\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\tApr 30, 2026<\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<a class="link-download" href="https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2026\/04\/Capgemini_-_2026-04-30_-_Chiffre_d_affaires_du_1er_trimestre_2026.pdf" aria-label="T\u00e9l\u00e9charger le communiqu\u00e9 de presse" target="_blank" type="download" title="Opens in a new window">\n\t\t\t\t\t\t\t<span>T\u00e9l\u00e9charger le communiqu\u00e9 de presse<\/span>\n\t\t\t\t\t\t\t<span>237 KB PDF<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\tLire la suite<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tActualit\u00e9s client<\/span><\/span>\n\t\t\t\t\t\t\t\t\tCapgemini et McDonald\u2019s renouvellent leur partenariat strat\u00e9gique avec un accord mondial pluriannuel ax\u00e9 sur le d\u00e9ploiement de plateformes modernes et \u00e9volutives<\/h3><\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\tApr 15, 2026<\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<a class="link-download" href="https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2026\/03\/2026_03_05_McDonalds_Capgemini_Press-Release_FR.pdf" aria-label="T\u00e9l\u00e9charger le communiqu\u00e9 de presse" target="_blank" type="download" title="Opens in a new window">\n\t\t\t\t\t\t\t<span>T\u00e9l\u00e9charger le communiqu\u00e9 de presse<\/span>\n\t\t\t\t\t\t\t<span>142 KB PDF<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\tLire la suite<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tPartenariats<\/span><\/span>\n\t\t\t\t\t\t\t\t\tCapgemini et OpenAI unissent leurs forces pour acc\u00e9l\u00e9rer la nouvelle \u00e8re de transformation des entreprises par l\u2019IA avec la Frontier Alliance<\/h3><\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\tMar 22, 2026<\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<a class="link-download" href="https:\/\/www.capgemini.com\/wp-content\/uploads\/2026\/02\/02_23_Capgemini-News-Alert_OpenAI-Frontier-Alliance.pdf" aria-label="T\u00e9l\u00e9charger le communiqu\u00e9 de presse" target="_blank" type="download" title="Opens in a new window">\n\t\t\t\t\t\t\t<span>T\u00e9l\u00e9charger le communiqu\u00e9 de presse<\/span>\n\t\t\t\t\t\t\t<span>132 KB PDF<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\tLire la suite<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div><\/div><\/div><\/section><\/div><\/div><\/div><\/div><\/div><\/div><\/section>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":336,"featured_media":0,"template":"","meta":{"cg_dt_proposed_to":[],"cg_seo_hreflang_relations":"[]","cg_seo_canonical_relation":"","cg_seo_hreflang_x_default_relation":"{\"uuid\":\"56fda9c7-9683-4b45-bddd-bf9c48baa87c\",\"blogId\":\"\",\"domain\":\"\",\"sitePath\":\"\",\"postLink\":\"\",\"postId\":null,\"isSaved\":true,\"isCrossLink\":false,\"hasCrossLink\":false}","cg_dt_approved_content":true,"cg_dt_mandatory_content":false,"cg_dt_notes":"","cg_dg_source_changed":false,"cg_dt_link_disabled":false,"footnotes":"","related_resource_url":"https:\/\/www.capgemini.com\/ca-fr\/wp-content\/uploads\/sites\/21\/2022\/11\/2021_10_07_World-Payments-Report_2021_FR.pdf","related_resource_id":2936,"related_resource_size":"210 KB","related_resource_type":"pdf","cg_author":0,"featured_focal_points":""},"tags":[],"press-release-type":[],"brand":[],"class_list":["post-2935","press-release","type-press-release","status-publish","hentry"],"yoast_head":"\nWorld payments report 2021 de Capgemini - Capgemini Canada French<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.capgemini.com\/ca-fr\/actualites\/communiques-de-presse\/world-payments-report-2021-de-capgemini\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"World payments report 2021 de Capgemini\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.capgemini.com\/ca-fr\/actualites\/communiques-de-presse\/world-payments-report-2021-de-capgemini\/\" \/>\n<meta property=\"og:site_name\" content=\"Capgemini Canada French\" \/>\n<meta property=\"article:modified_time\" content=\"2025-03-30T05:14:12+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.capgemini.com\/ca-fr\/wp-content\/uploads\/sites\/21\/2025\/10\/New-Web-preview-global.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"627\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.capgemini.com\/ca-fr\/actualites\/communiques-de-presse\/world-payments-report-2021-de-capgemini\/\",\"url\":\"https:\/\/www.capgemini.com\/ca-fr\/actualites\/communiques-de-presse\/world-payments-report-2021-de-capgemini\/\",\"name\":\"World payments report 2021 de Capgemini - 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D\u2019apr\u00e8s le rapport, pr\u00e8s de 45 % des consommateurs utilisent fr\u00e9quemment des portefeuilles mobiles pour effectuer des paiements (plus de 20 transactions par an), contre 23 % dans le sondage r\u00e9alis\u00e9 en 2020. En outre, les transactions B2B non-cash dans le monde devraient atteindre pr\u00e8s de 200 milliards de transactions d\u2019ici 2025, contre 121,5 milliards en 2020, selon les estimations de Capgemini.<\/p>\n\n\n\n
\u00ab Alors que les paiements \u00e9lectroniques et les portefeuilles mobiles deviennent plus la norme que l\u2019exception, les fournisseurs de services de paiement doivent trouver des moyens de r\u00e9pondre aux attentes des consommateurs en mati\u00e8re de rapidit\u00e9 et de simplicit\u00e9 d\u2019utilisation, <\/em>a d\u00e9clar\u00e9 Anirban Bose, Directeur g\u00e9n\u00e9ral de l\u2019activit\u00e9 Services financiers de Capgemini et membre du Comit\u00e9 de Direction g\u00e9n\u00e9rale du Groupe. Les banques doivent cr\u00e9er un \u00e9cosyst\u00e8me de partenariats compl\u00e9mentaires pour adopter la nouvelle g\u00e9n\u00e9ration de paiements et suivre le rythme du changement. \u00bb<\/em><\/p>\n\n\n\nAlors que l\u2019on assiste \u00e0 une reprise des d\u00e9penses, la croissance des transactions non-cash sera port\u00e9e par les paiements nouvelle g\u00e9n\u00e9ration<\/strong><\/p>\n\n\n\nSelon le rapport, avec la reprise des d\u00e9penses pr\u00e9vue en 2021, les transactions non-cash vont augmenter, notamment du fait de la croissance des paiements instantan\u00e9s, de la monnaie \u00e9lectronique et des modes de paiement nouvelle g\u00e9n\u00e9ration : paiement facilit\u00e9 \u00ab Acheter maintenant et payer plus tard \u00bb, invisible ou biom\u00e9trique et cryptomonnaie. Apr\u00e8s huit ann\u00e9es de croissance \u00e0 deux chiffres, l\u2019essor mondial des transactions non-cash a ralenti pour s\u2019\u00e9tablir \u00e0 7,8 % en 2020, contre 16,5 % en 2019, du fait de l\u2019h\u00e9sitation face aux conditions de march\u00e9 incertaines li\u00e9es \u00e0 la pand\u00e9mie. Les transactions non-cash dans le monde devraient cro\u00eetre \u00e0 un taux de croissance annuel compos\u00e9 (TCAC) de 18,6 % (pr\u00e9vision 2020-2025), port\u00e9es par les modes de paiement nouvelle g\u00e9n\u00e9ration, et atteindre 1 800 milliards en volume d\u2019ici \u00e0 2025.<\/p>\n\n\n\n\u00c0 l\u2019\u00e9chelle mondiale, l\u2019Asie-Pacifique m\u00e8ne la r\u00e9volution des paiements digitaux. D\u2019ici 2025, la r\u00e9gion devrait repr\u00e9senter plus de la moiti\u00e9 des transactions non-cash dans le monde avec un TCAC de 28 % entre 2020 et 2025. Plus d\u2019un demi-milliard d\u2019Europ\u00e9ens d\u00e9clarent qu\u2019ils effectueront des achats en ligne en 2021, les transactions transfrontali\u00e8res repr\u00e9sentant 25,5 % du total.[2]<\/sup><\/a> En Europe, les paiements mobiles et l\u2019e-commerce transfrontalier devraient augmenter pour atteindre plus de 400 milliards de transactions en 2025 \u00e0 un TCAC de 13 % (pr\u00e9vision 2020-2025). Les volumes de paiements non-cash en Am\u00e9rique du Nord devraient se stabiliser en raison de la stagnation des transactions par carte et d\u2019une lente adoption des paiements mobiles.<\/p>\n\n\n\nAvec l\u2019augmentation des attentes client, les anciennes infrastructures de paiement sont mises \u00e0 l\u2019\u00e9preuve<\/strong><\/p>\n\n\n\nAlors que l\u2019adoption du digital continue de s\u2019acc\u00e9l\u00e9rer, l\u2019augmentation des volumes et les besoins de traitement instantan\u00e9 mettent \u00e0 rude \u00e9preuve les anciennes infrastructures de paiement. Environ 55 % des cadres interrog\u00e9s ont d\u00e9clar\u00e9 que leurs investissements technologiques prioritaires concernaient la modernisation des infrastructures de paiement (mise en \u0153uvre d\u2019un syst\u00e8me de paiement en temps r\u00e9el, int\u00e9gration d\u2019API, migration ISO 20022, transformation cloud). Les fournisseurs de services de paiement doivent donner la priorit\u00e9 aux fonctionnalit\u00e9s num\u00e9riques pour rester comp\u00e9titifs. Le COVID-19 a acc\u00e9l\u00e9r\u00e9 la digitalisation des paiements pour les particuliers comme pour les entreprises. Les lacunes en mati\u00e8re de satisfaction client ainsi que l\u2019app\u00e9tit croissant des clients particuliers et du B2B pour le digital continuent \u00e0 red\u00e9finir l\u2019engagement client dans le secteur des paiements. Selon le rapport, les domaines cl\u00e9s dans lesquels des \u00e9carts existent entre les attentes des clients et les priorit\u00e9s des cadres interrog\u00e9s sont : un programme de fid\u00e9lit\u00e9 attrayant, une exp\u00e9rience de transaction fluide, des options de paiement alternatives et des produits de paiement durables.<\/p>\n\n\n\nLes r\u00e9gulateurs s\u2019efforcent de trouver le juste \u00e9quilibre entre innovation et s\u00e9curit\u00e9<\/strong><\/p>\n\n\n\nLes fournisseurs de services de paiement ont b\u00e9n\u00e9fici\u00e9 d\u2019une nouvelle approche \u00e9quilibr\u00e9e des initiatives r\u00e9glementaires et sectorielles cl\u00e9s (KRII) visant \u00e0 promouvoir un environnement favorable aux paiements. Pour la premi\u00e8re fois depuis le suivi des KRIIs, les r\u00e9gulateurs ont suivi une d\u00e9marche \u00e9quilibr\u00e9e sur l\u2019ensemble des principaux objectifs (r\u00e9duction des risques, standardisation, concurrence et transparence, innovation) afin de maintenir l\u2019\u00e9quilibre sur le march\u00e9 des paiements.<\/p>\n\n\n\nLes KRIIs \u00e9voluent de mani\u00e8re cyclique en mettant l\u2019accent sur l\u2019efficience, l\u2019orientation client, l\u2019innovation et la collaboration. En garantissant des conditions de concurrence \u00e9quitables gr\u00e2ce \u00e0 des mesures anti-monopole et \u00e0 un partage transparent des donn\u00e9es, les d\u00e9cideurs politiques ouvrent la voie \u00e0 un avenir favorable \u00e0 l\u2019Open finance<\/em>. Selon le rapport, les fournisseurs de services de paiement devraient chercher \u00e0 tirer parti de cette approche r\u00e9glementaire alors qu\u2019ils continuent d\u2019innover pour r\u00e9pondre \u00e0 la demande des consommateurs.<\/p>\n\n\n\nLes soci\u00e9t\u00e9s de paiement doivent assurer leur avenir avec Payments 4.X<\/strong><\/p>\n\n\n\nAvec des d\u00e9penses et des modes de paiement non traditionnels en pleine croissance, les acteurs qui veulent assurer leur avenir adopteront les crit\u00e8res de Payments 4.X, notamment les donn\u00e9es, une infrastructure partag\u00e9e, des fonctionnalit\u00e9s de plateforme et une finance int\u00e9gr\u00e9e, pour offrir une exp\u00e9rience client sup\u00e9rieure. Pour am\u00e9liorer leurs perspectives de rentabilit\u00e9, la plupart des cadres interrog\u00e9s au sein de ces \u00e9tablissements bancaires ont opt\u00e9 pour des mesures sur leur mod\u00e8le d\u2019exploitation telles que l\u2019investissement dans des tiers pour \u00e9laborer des propositions innovantes (52 %), la mise en place d\u2019un \u00e9cosyst\u00e8me bas\u00e9 sur des API et le passage \u00e0 un mod\u00e8le \u00e9conomique fond\u00e9 sur les plateformes (45 %). Les entreprises de paiement les plus performantes collaboreront avec des PayTech et des partenaires de l\u2019\u00e9cosyst\u00e8me pour \u00e9laborer des solutions tourn\u00e9es vers l\u2019exp\u00e9rience client plut\u00f4t que sur les produits. La maturit\u00e9 des API, la qualit\u00e9 des donn\u00e9es et des capacit\u00e9s de traitement augment\u00e9es, associ\u00e9es \u00e0 l\u2019agilit\u00e9 cloud, seront les catalyseurs de Payments 4.X pour passer de la conception traditionnelle des transactions \u00e0 de nouvelles approches de mon\u00e9tisation.<\/p>\n\n\n\nM\u00e9thodologie du rapport<\/strong><\/p>\n\n\n\nLe rapport 2021 sur les paiements \u00e0 travers le monde fournit des analyses sur 44 march\u00e9s de paiement dans diverses zones g\u00e9ographiques. Nous avons d\u00e9fini cinq r\u00e9gions pour les graphiques macro-descriptifs : Europe, Am\u00e9rique du Nord, Asie-Pacifique, Am\u00e9rique latine et Afrique\/Moyen-Orient, regroup\u00e9es par crit\u00e8res g\u00e9ographiques, \u00e9conomiques et de maturit\u00e9 du march\u00e9 des paiements non-cash. Le rapport s\u2019appuie sur les conclusions d\u2019une enqu\u00eate sur le retour de 6 300 clients du monde entier et sur des entretiens et des enqu\u00eates aupr\u00e8s de plus de 210 responsables des paiements.<\/p>\n\n\n\n[1]<\/sup><\/a> Un environnement ax\u00e9 sur l\u2019exp\u00e9rience, marqu\u00e9 par une forte consolidation du secteur et qui attire un \u00e9cosyst\u00e8me d\u2019acteurs technologiques<\/p>\n\n\n\n[2]<\/sup><\/a> Internet Retailing<\/a>, \u00ab European eCommerce revenues jump 30% to US$465bn in 2021 \u00bb (L\u2019e-commerce europ\u00e9en g\u00e9n\u00e8re un chiffre d\u2019affaires de 465 milliards USD en 2021, soit une hausse de 30 %), page consult\u00e9e en juillet 2021.<\/p>\n\n\n\nE-Commerce News Europe<\/a>, \u00ab 25.5% of ecommerce in Europe is cross-border \u00bb (25,5 % du e-commerce en Europe est transfrontalier), 31 mars 2021.<\/p>\n\n\nRelated News<\/h2><\/div><\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tActualit\u00e9s financi\u00e8res<\/span><\/span>\n\t\t\t\t\t\t\t\t\tChiffre d\u2019affaires du 1er trimestre 2026<\/h3><\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\tApr 30, 2026<\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<a class="link-download" href="https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2026\/04\/Capgemini_-_2026-04-30_-_Chiffre_d_affaires_du_1er_trimestre_2026.pdf" aria-label="T\u00e9l\u00e9charger le communiqu\u00e9 de presse" target="_blank" type="download" title="Opens in a new window">\n\t\t\t\t\t\t\t<span>T\u00e9l\u00e9charger le communiqu\u00e9 de presse<\/span>\n\t\t\t\t\t\t\t<span>237 KB PDF<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\tLire la suite<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tActualit\u00e9s client<\/span><\/span>\n\t\t\t\t\t\t\t\t\tCapgemini et McDonald\u2019s renouvellent leur partenariat strat\u00e9gique avec un accord mondial pluriannuel ax\u00e9 sur le d\u00e9ploiement de plateformes modernes et \u00e9volutives<\/h3><\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\tApr 15, 2026<\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<a class="link-download" href="https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2026\/03\/2026_03_05_McDonalds_Capgemini_Press-Release_FR.pdf" aria-label="T\u00e9l\u00e9charger le communiqu\u00e9 de presse" target="_blank" type="download" title="Opens in a new window">\n\t\t\t\t\t\t\t<span>T\u00e9l\u00e9charger le communiqu\u00e9 de presse<\/span>\n\t\t\t\t\t\t\t<span>142 KB PDF<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\tLire la suite<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tPartenariats<\/span><\/span>\n\t\t\t\t\t\t\t\t\tCapgemini et OpenAI unissent leurs forces pour acc\u00e9l\u00e9rer la nouvelle \u00e8re de transformation des entreprises par l\u2019IA avec la Frontier Alliance<\/h3><\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\tMar 22, 2026<\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<a class="link-download" href="https:\/\/www.capgemini.com\/wp-content\/uploads\/2026\/02\/02_23_Capgemini-News-Alert_OpenAI-Frontier-Alliance.pdf" aria-label="T\u00e9l\u00e9charger le communiqu\u00e9 de presse" target="_blank" type="download" title="Opens in a new window">\n\t\t\t\t\t\t\t<span>T\u00e9l\u00e9charger le communiqu\u00e9 de presse<\/span>\n\t\t\t\t\t\t\t<span>132 KB PDF<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\tLire la suite<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div><\/div><\/div><\/section><\/div><\/div><\/div><\/div><\/div><\/div><\/section>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":336,"featured_media":0,"template":"","meta":{"cg_dt_proposed_to":[],"cg_seo_hreflang_relations":"[]","cg_seo_canonical_relation":"","cg_seo_hreflang_x_default_relation":"{\"uuid\":\"56fda9c7-9683-4b45-bddd-bf9c48baa87c\",\"blogId\":\"\",\"domain\":\"\",\"sitePath\":\"\",\"postLink\":\"\",\"postId\":null,\"isSaved\":true,\"isCrossLink\":false,\"hasCrossLink\":false}","cg_dt_approved_content":true,"cg_dt_mandatory_content":false,"cg_dt_notes":"","cg_dg_source_changed":false,"cg_dt_link_disabled":false,"footnotes":"","related_resource_url":"https:\/\/www.capgemini.com\/ca-fr\/wp-content\/uploads\/sites\/21\/2022\/11\/2021_10_07_World-Payments-Report_2021_FR.pdf","related_resource_id":2936,"related_resource_size":"210 KB","related_resource_type":"pdf","cg_author":0,"featured_focal_points":""},"tags":[],"press-release-type":[],"brand":[],"class_list":["post-2935","press-release","type-press-release","status-publish","hentry"],"yoast_head":"\nWorld payments report 2021 de Capgemini - 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Alors que l\u2019on assiste \u00e0 une reprise des d\u00e9penses, la croissance des transactions non-cash sera port\u00e9e par les paiements nouvelle g\u00e9n\u00e9ration<\/strong><\/p>\n\n\n\nSelon le rapport, avec la reprise des d\u00e9penses pr\u00e9vue en 2021, les transactions non-cash vont augmenter, notamment du fait de la croissance des paiements instantan\u00e9s, de la monnaie \u00e9lectronique et des modes de paiement nouvelle g\u00e9n\u00e9ration : paiement facilit\u00e9 \u00ab Acheter maintenant et payer plus tard \u00bb, invisible ou biom\u00e9trique et cryptomonnaie. Apr\u00e8s huit ann\u00e9es de croissance \u00e0 deux chiffres, l\u2019essor mondial des transactions non-cash a ralenti pour s\u2019\u00e9tablir \u00e0 7,8 % en 2020, contre 16,5 % en 2019, du fait de l\u2019h\u00e9sitation face aux conditions de march\u00e9 incertaines li\u00e9es \u00e0 la pand\u00e9mie. Les transactions non-cash dans le monde devraient cro\u00eetre \u00e0 un taux de croissance annuel compos\u00e9 (TCAC) de 18,6 % (pr\u00e9vision 2020-2025), port\u00e9es par les modes de paiement nouvelle g\u00e9n\u00e9ration, et atteindre 1 800 milliards en volume d\u2019ici \u00e0 2025.<\/p>\n\n\n\n\u00c0 l\u2019\u00e9chelle mondiale, l\u2019Asie-Pacifique m\u00e8ne la r\u00e9volution des paiements digitaux. D\u2019ici 2025, la r\u00e9gion devrait repr\u00e9senter plus de la moiti\u00e9 des transactions non-cash dans le monde avec un TCAC de 28 % entre 2020 et 2025. Plus d\u2019un demi-milliard d\u2019Europ\u00e9ens d\u00e9clarent qu\u2019ils effectueront des achats en ligne en 2021, les transactions transfrontali\u00e8res repr\u00e9sentant 25,5 % du total.[2]<\/sup><\/a> En Europe, les paiements mobiles et l\u2019e-commerce transfrontalier devraient augmenter pour atteindre plus de 400 milliards de transactions en 2025 \u00e0 un TCAC de 13 % (pr\u00e9vision 2020-2025). Les volumes de paiements non-cash en Am\u00e9rique du Nord devraient se stabiliser en raison de la stagnation des transactions par carte et d\u2019une lente adoption des paiements mobiles.<\/p>\n\n\n\nAvec l\u2019augmentation des attentes client, les anciennes infrastructures de paiement sont mises \u00e0 l\u2019\u00e9preuve<\/strong><\/p>\n\n\n\nAlors que l\u2019adoption du digital continue de s\u2019acc\u00e9l\u00e9rer, l\u2019augmentation des volumes et les besoins de traitement instantan\u00e9 mettent \u00e0 rude \u00e9preuve les anciennes infrastructures de paiement. Environ 55 % des cadres interrog\u00e9s ont d\u00e9clar\u00e9 que leurs investissements technologiques prioritaires concernaient la modernisation des infrastructures de paiement (mise en \u0153uvre d\u2019un syst\u00e8me de paiement en temps r\u00e9el, int\u00e9gration d\u2019API, migration ISO 20022, transformation cloud). Les fournisseurs de services de paiement doivent donner la priorit\u00e9 aux fonctionnalit\u00e9s num\u00e9riques pour rester comp\u00e9titifs. Le COVID-19 a acc\u00e9l\u00e9r\u00e9 la digitalisation des paiements pour les particuliers comme pour les entreprises. Les lacunes en mati\u00e8re de satisfaction client ainsi que l\u2019app\u00e9tit croissant des clients particuliers et du B2B pour le digital continuent \u00e0 red\u00e9finir l\u2019engagement client dans le secteur des paiements. Selon le rapport, les domaines cl\u00e9s dans lesquels des \u00e9carts existent entre les attentes des clients et les priorit\u00e9s des cadres interrog\u00e9s sont : un programme de fid\u00e9lit\u00e9 attrayant, une exp\u00e9rience de transaction fluide, des options de paiement alternatives et des produits de paiement durables.<\/p>\n\n\n\nLes r\u00e9gulateurs s\u2019efforcent de trouver le juste \u00e9quilibre entre innovation et s\u00e9curit\u00e9<\/strong><\/p>\n\n\n\nLes fournisseurs de services de paiement ont b\u00e9n\u00e9fici\u00e9 d\u2019une nouvelle approche \u00e9quilibr\u00e9e des initiatives r\u00e9glementaires et sectorielles cl\u00e9s (KRII) visant \u00e0 promouvoir un environnement favorable aux paiements. Pour la premi\u00e8re fois depuis le suivi des KRIIs, les r\u00e9gulateurs ont suivi une d\u00e9marche \u00e9quilibr\u00e9e sur l\u2019ensemble des principaux objectifs (r\u00e9duction des risques, standardisation, concurrence et transparence, innovation) afin de maintenir l\u2019\u00e9quilibre sur le march\u00e9 des paiements.<\/p>\n\n\n\nLes KRIIs \u00e9voluent de mani\u00e8re cyclique en mettant l\u2019accent sur l\u2019efficience, l\u2019orientation client, l\u2019innovation et la collaboration. En garantissant des conditions de concurrence \u00e9quitables gr\u00e2ce \u00e0 des mesures anti-monopole et \u00e0 un partage transparent des donn\u00e9es, les d\u00e9cideurs politiques ouvrent la voie \u00e0 un avenir favorable \u00e0 l\u2019Open finance<\/em>. Selon le rapport, les fournisseurs de services de paiement devraient chercher \u00e0 tirer parti de cette approche r\u00e9glementaire alors qu\u2019ils continuent d\u2019innover pour r\u00e9pondre \u00e0 la demande des consommateurs.<\/p>\n\n\n\nLes soci\u00e9t\u00e9s de paiement doivent assurer leur avenir avec Payments 4.X<\/strong><\/p>\n\n\n\nAvec des d\u00e9penses et des modes de paiement non traditionnels en pleine croissance, les acteurs qui veulent assurer leur avenir adopteront les crit\u00e8res de Payments 4.X, notamment les donn\u00e9es, une infrastructure partag\u00e9e, des fonctionnalit\u00e9s de plateforme et une finance int\u00e9gr\u00e9e, pour offrir une exp\u00e9rience client sup\u00e9rieure. Pour am\u00e9liorer leurs perspectives de rentabilit\u00e9, la plupart des cadres interrog\u00e9s au sein de ces \u00e9tablissements bancaires ont opt\u00e9 pour des mesures sur leur mod\u00e8le d\u2019exploitation telles que l\u2019investissement dans des tiers pour \u00e9laborer des propositions innovantes (52 %), la mise en place d\u2019un \u00e9cosyst\u00e8me bas\u00e9 sur des API et le passage \u00e0 un mod\u00e8le \u00e9conomique fond\u00e9 sur les plateformes (45 %). Les entreprises de paiement les plus performantes collaboreront avec des PayTech et des partenaires de l\u2019\u00e9cosyst\u00e8me pour \u00e9laborer des solutions tourn\u00e9es vers l\u2019exp\u00e9rience client plut\u00f4t que sur les produits. La maturit\u00e9 des API, la qualit\u00e9 des donn\u00e9es et des capacit\u00e9s de traitement augment\u00e9es, associ\u00e9es \u00e0 l\u2019agilit\u00e9 cloud, seront les catalyseurs de Payments 4.X pour passer de la conception traditionnelle des transactions \u00e0 de nouvelles approches de mon\u00e9tisation.<\/p>\n\n\n\nM\u00e9thodologie du rapport<\/strong><\/p>\n\n\n\nLe rapport 2021 sur les paiements \u00e0 travers le monde fournit des analyses sur 44 march\u00e9s de paiement dans diverses zones g\u00e9ographiques. Nous avons d\u00e9fini cinq r\u00e9gions pour les graphiques macro-descriptifs : Europe, Am\u00e9rique du Nord, Asie-Pacifique, Am\u00e9rique latine et Afrique\/Moyen-Orient, regroup\u00e9es par crit\u00e8res g\u00e9ographiques, \u00e9conomiques et de maturit\u00e9 du march\u00e9 des paiements non-cash. Le rapport s\u2019appuie sur les conclusions d\u2019une enqu\u00eate sur le retour de 6 300 clients du monde entier et sur des entretiens et des enqu\u00eates aupr\u00e8s de plus de 210 responsables des paiements.<\/p>\n\n\n\n[1]<\/sup><\/a> Un environnement ax\u00e9 sur l\u2019exp\u00e9rience, marqu\u00e9 par une forte consolidation du secteur et qui attire un \u00e9cosyst\u00e8me d\u2019acteurs technologiques<\/p>\n\n\n\n[2]<\/sup><\/a> Internet Retailing<\/a>, \u00ab European eCommerce revenues jump 30% to US$465bn in 2021 \u00bb (L\u2019e-commerce europ\u00e9en g\u00e9n\u00e8re un chiffre d\u2019affaires de 465 milliards USD en 2021, soit une hausse de 30 %), page consult\u00e9e en juillet 2021.<\/p>\n\n\n\nE-Commerce News Europe<\/a>, \u00ab 25.5% of ecommerce in Europe is cross-border \u00bb (25,5 % du e-commerce en Europe est transfrontalier), 31 mars 2021.<\/p>\n\n\nRelated News<\/h2><\/div><\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tActualit\u00e9s financi\u00e8res<\/span><\/span>\n\t\t\t\t\t\t\t\t\tChiffre d\u2019affaires du 1er trimestre 2026<\/h3><\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\tApr 30, 2026<\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<a class="link-download" href="https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2026\/04\/Capgemini_-_2026-04-30_-_Chiffre_d_affaires_du_1er_trimestre_2026.pdf" aria-label="T\u00e9l\u00e9charger le communiqu\u00e9 de presse" target="_blank" type="download" title="Opens in a new window">\n\t\t\t\t\t\t\t<span>T\u00e9l\u00e9charger le communiqu\u00e9 de presse<\/span>\n\t\t\t\t\t\t\t<span>237 KB PDF<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\tLire la suite<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tActualit\u00e9s client<\/span><\/span>\n\t\t\t\t\t\t\t\t\tCapgemini et McDonald\u2019s renouvellent leur partenariat strat\u00e9gique avec un accord mondial pluriannuel ax\u00e9 sur le d\u00e9ploiement de plateformes modernes et \u00e9volutives<\/h3><\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\tApr 15, 2026<\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<a class="link-download" href="https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2026\/03\/2026_03_05_McDonalds_Capgemini_Press-Release_FR.pdf" aria-label="T\u00e9l\u00e9charger le communiqu\u00e9 de presse" target="_blank" type="download" title="Opens in a new window">\n\t\t\t\t\t\t\t<span>T\u00e9l\u00e9charger le communiqu\u00e9 de presse<\/span>\n\t\t\t\t\t\t\t<span>142 KB PDF<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\tLire la suite<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tPartenariats<\/span><\/span>\n\t\t\t\t\t\t\t\t\tCapgemini et OpenAI unissent leurs forces pour acc\u00e9l\u00e9rer la nouvelle \u00e8re de transformation des entreprises par l\u2019IA avec la Frontier Alliance<\/h3><\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\tMar 22, 2026<\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<a class="link-download" href="https:\/\/www.capgemini.com\/wp-content\/uploads\/2026\/02\/02_23_Capgemini-News-Alert_OpenAI-Frontier-Alliance.pdf" aria-label="T\u00e9l\u00e9charger le communiqu\u00e9 de presse" target="_blank" type="download" title="Opens in a new window">\n\t\t\t\t\t\t\t<span>T\u00e9l\u00e9charger le communiqu\u00e9 de presse<\/span>\n\t\t\t\t\t\t\t<span>132 KB PDF<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\tLire la suite<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div><\/div><\/div><\/section><\/div><\/div><\/div><\/div><\/div><\/div><\/section>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":336,"featured_media":0,"template":"","meta":{"cg_dt_proposed_to":[],"cg_seo_hreflang_relations":"[]","cg_seo_canonical_relation":"","cg_seo_hreflang_x_default_relation":"{\"uuid\":\"56fda9c7-9683-4b45-bddd-bf9c48baa87c\",\"blogId\":\"\",\"domain\":\"\",\"sitePath\":\"\",\"postLink\":\"\",\"postId\":null,\"isSaved\":true,\"isCrossLink\":false,\"hasCrossLink\":false}","cg_dt_approved_content":true,"cg_dt_mandatory_content":false,"cg_dt_notes":"","cg_dg_source_changed":false,"cg_dt_link_disabled":false,"footnotes":"","related_resource_url":"https:\/\/www.capgemini.com\/ca-fr\/wp-content\/uploads\/sites\/21\/2022\/11\/2021_10_07_World-Payments-Report_2021_FR.pdf","related_resource_id":2936,"related_resource_size":"210 KB","related_resource_type":"pdf","cg_author":0,"featured_focal_points":""},"tags":[],"press-release-type":[],"brand":[],"class_list":["post-2935","press-release","type-press-release","status-publish","hentry"],"yoast_head":"\nWorld payments report 2021 de Capgemini - Capgemini Canada French<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.capgemini.com\/ca-fr\/actualites\/communiques-de-presse\/world-payments-report-2021-de-capgemini\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"World payments report 2021 de Capgemini\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.capgemini.com\/ca-fr\/actualites\/communiques-de-presse\/world-payments-report-2021-de-capgemini\/\" \/>\n<meta property=\"og:site_name\" content=\"Capgemini Canada French\" \/>\n<meta property=\"article:modified_time\" content=\"2025-03-30T05:14:12+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.capgemini.com\/ca-fr\/wp-content\/uploads\/sites\/21\/2025\/10\/New-Web-preview-global.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"627\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.capgemini.com\/ca-fr\/actualites\/communiques-de-presse\/world-payments-report-2021-de-capgemini\/\",\"url\":\"https:\/\/www.capgemini.com\/ca-fr\/actualites\/communiques-de-presse\/world-payments-report-2021-de-capgemini\/\",\"name\":\"World payments report 2021 de Capgemini - 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Selon le rapport, avec la reprise des d\u00e9penses pr\u00e9vue en 2021, les transactions non-cash vont augmenter, notamment du fait de la croissance des paiements instantan\u00e9s, de la monnaie \u00e9lectronique et des modes de paiement nouvelle g\u00e9n\u00e9ration : paiement facilit\u00e9 \u00ab Acheter maintenant et payer plus tard \u00bb, invisible ou biom\u00e9trique et cryptomonnaie. Apr\u00e8s huit ann\u00e9es de croissance \u00e0 deux chiffres, l\u2019essor mondial des transactions non-cash a ralenti pour s\u2019\u00e9tablir \u00e0 7,8 % en 2020, contre 16,5 % en 2019, du fait de l\u2019h\u00e9sitation face aux conditions de march\u00e9 incertaines li\u00e9es \u00e0 la pand\u00e9mie. Les transactions non-cash dans le monde devraient cro\u00eetre \u00e0 un taux de croissance annuel compos\u00e9 (TCAC) de 18,6 % (pr\u00e9vision 2020-2025), port\u00e9es par les modes de paiement nouvelle g\u00e9n\u00e9ration, et atteindre 1 800 milliards en volume d\u2019ici \u00e0 2025.<\/p>\n\n\n\n
\u00c0 l\u2019\u00e9chelle mondiale, l\u2019Asie-Pacifique m\u00e8ne la r\u00e9volution des paiements digitaux. D\u2019ici 2025, la r\u00e9gion devrait repr\u00e9senter plus de la moiti\u00e9 des transactions non-cash dans le monde avec un TCAC de 28 % entre 2020 et 2025. Plus d\u2019un demi-milliard d\u2019Europ\u00e9ens d\u00e9clarent qu\u2019ils effectueront des achats en ligne en 2021, les transactions transfrontali\u00e8res repr\u00e9sentant 25,5 % du total.[2]<\/sup><\/a> En Europe, les paiements mobiles et l\u2019e-commerce transfrontalier devraient augmenter pour atteindre plus de 400 milliards de transactions en 2025 \u00e0 un TCAC de 13 % (pr\u00e9vision 2020-2025). Les volumes de paiements non-cash en Am\u00e9rique du Nord devraient se stabiliser en raison de la stagnation des transactions par carte et d\u2019une lente adoption des paiements mobiles.<\/p>\n\n\n\nAvec l\u2019augmentation des attentes client, les anciennes infrastructures de paiement sont mises \u00e0 l\u2019\u00e9preuve<\/strong><\/p>\n\n\n\nAlors que l\u2019adoption du digital continue de s\u2019acc\u00e9l\u00e9rer, l\u2019augmentation des volumes et les besoins de traitement instantan\u00e9 mettent \u00e0 rude \u00e9preuve les anciennes infrastructures de paiement. Environ 55 % des cadres interrog\u00e9s ont d\u00e9clar\u00e9 que leurs investissements technologiques prioritaires concernaient la modernisation des infrastructures de paiement (mise en \u0153uvre d\u2019un syst\u00e8me de paiement en temps r\u00e9el, int\u00e9gration d\u2019API, migration ISO 20022, transformation cloud). Les fournisseurs de services de paiement doivent donner la priorit\u00e9 aux fonctionnalit\u00e9s num\u00e9riques pour rester comp\u00e9titifs. Le COVID-19 a acc\u00e9l\u00e9r\u00e9 la digitalisation des paiements pour les particuliers comme pour les entreprises. Les lacunes en mati\u00e8re de satisfaction client ainsi que l\u2019app\u00e9tit croissant des clients particuliers et du B2B pour le digital continuent \u00e0 red\u00e9finir l\u2019engagement client dans le secteur des paiements. Selon le rapport, les domaines cl\u00e9s dans lesquels des \u00e9carts existent entre les attentes des clients et les priorit\u00e9s des cadres interrog\u00e9s sont : un programme de fid\u00e9lit\u00e9 attrayant, une exp\u00e9rience de transaction fluide, des options de paiement alternatives et des produits de paiement durables.<\/p>\n\n\n\nLes r\u00e9gulateurs s\u2019efforcent de trouver le juste \u00e9quilibre entre innovation et s\u00e9curit\u00e9<\/strong><\/p>\n\n\n\nLes fournisseurs de services de paiement ont b\u00e9n\u00e9fici\u00e9 d\u2019une nouvelle approche \u00e9quilibr\u00e9e des initiatives r\u00e9glementaires et sectorielles cl\u00e9s (KRII) visant \u00e0 promouvoir un environnement favorable aux paiements. Pour la premi\u00e8re fois depuis le suivi des KRIIs, les r\u00e9gulateurs ont suivi une d\u00e9marche \u00e9quilibr\u00e9e sur l\u2019ensemble des principaux objectifs (r\u00e9duction des risques, standardisation, concurrence et transparence, innovation) afin de maintenir l\u2019\u00e9quilibre sur le march\u00e9 des paiements.<\/p>\n\n\n\nLes KRIIs \u00e9voluent de mani\u00e8re cyclique en mettant l\u2019accent sur l\u2019efficience, l\u2019orientation client, l\u2019innovation et la collaboration. En garantissant des conditions de concurrence \u00e9quitables gr\u00e2ce \u00e0 des mesures anti-monopole et \u00e0 un partage transparent des donn\u00e9es, les d\u00e9cideurs politiques ouvrent la voie \u00e0 un avenir favorable \u00e0 l\u2019Open finance<\/em>. Selon le rapport, les fournisseurs de services de paiement devraient chercher \u00e0 tirer parti de cette approche r\u00e9glementaire alors qu\u2019ils continuent d\u2019innover pour r\u00e9pondre \u00e0 la demande des consommateurs.<\/p>\n\n\n\nLes soci\u00e9t\u00e9s de paiement doivent assurer leur avenir avec Payments 4.X<\/strong><\/p>\n\n\n\nAvec des d\u00e9penses et des modes de paiement non traditionnels en pleine croissance, les acteurs qui veulent assurer leur avenir adopteront les crit\u00e8res de Payments 4.X, notamment les donn\u00e9es, une infrastructure partag\u00e9e, des fonctionnalit\u00e9s de plateforme et une finance int\u00e9gr\u00e9e, pour offrir une exp\u00e9rience client sup\u00e9rieure. Pour am\u00e9liorer leurs perspectives de rentabilit\u00e9, la plupart des cadres interrog\u00e9s au sein de ces \u00e9tablissements bancaires ont opt\u00e9 pour des mesures sur leur mod\u00e8le d\u2019exploitation telles que l\u2019investissement dans des tiers pour \u00e9laborer des propositions innovantes (52 %), la mise en place d\u2019un \u00e9cosyst\u00e8me bas\u00e9 sur des API et le passage \u00e0 un mod\u00e8le \u00e9conomique fond\u00e9 sur les plateformes (45 %). Les entreprises de paiement les plus performantes collaboreront avec des PayTech et des partenaires de l\u2019\u00e9cosyst\u00e8me pour \u00e9laborer des solutions tourn\u00e9es vers l\u2019exp\u00e9rience client plut\u00f4t que sur les produits. La maturit\u00e9 des API, la qualit\u00e9 des donn\u00e9es et des capacit\u00e9s de traitement augment\u00e9es, associ\u00e9es \u00e0 l\u2019agilit\u00e9 cloud, seront les catalyseurs de Payments 4.X pour passer de la conception traditionnelle des transactions \u00e0 de nouvelles approches de mon\u00e9tisation.<\/p>\n\n\n\nM\u00e9thodologie du rapport<\/strong><\/p>\n\n\n\nLe rapport 2021 sur les paiements \u00e0 travers le monde fournit des analyses sur 44 march\u00e9s de paiement dans diverses zones g\u00e9ographiques. Nous avons d\u00e9fini cinq r\u00e9gions pour les graphiques macro-descriptifs : Europe, Am\u00e9rique du Nord, Asie-Pacifique, Am\u00e9rique latine et Afrique\/Moyen-Orient, regroup\u00e9es par crit\u00e8res g\u00e9ographiques, \u00e9conomiques et de maturit\u00e9 du march\u00e9 des paiements non-cash. Le rapport s\u2019appuie sur les conclusions d\u2019une enqu\u00eate sur le retour de 6 300 clients du monde entier et sur des entretiens et des enqu\u00eates aupr\u00e8s de plus de 210 responsables des paiements.<\/p>\n\n\n\n[1]<\/sup><\/a> Un environnement ax\u00e9 sur l\u2019exp\u00e9rience, marqu\u00e9 par une forte consolidation du secteur et qui attire un \u00e9cosyst\u00e8me d\u2019acteurs technologiques<\/p>\n\n\n\n[2]<\/sup><\/a> Internet Retailing<\/a>, \u00ab European eCommerce revenues jump 30% to US$465bn in 2021 \u00bb (L\u2019e-commerce europ\u00e9en g\u00e9n\u00e8re un chiffre d\u2019affaires de 465 milliards USD en 2021, soit une hausse de 30 %), page consult\u00e9e en juillet 2021.<\/p>\n\n\n\nE-Commerce News Europe<\/a>, \u00ab 25.5% of ecommerce in Europe is cross-border \u00bb (25,5 % du e-commerce en Europe est transfrontalier), 31 mars 2021.<\/p>\n\n\nRelated News<\/h2><\/div><\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tActualit\u00e9s financi\u00e8res<\/span><\/span>\n\t\t\t\t\t\t\t\t\tChiffre d\u2019affaires du 1er trimestre 2026<\/h3><\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\tApr 30, 2026<\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<a class="link-download" href="https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2026\/04\/Capgemini_-_2026-04-30_-_Chiffre_d_affaires_du_1er_trimestre_2026.pdf" aria-label="T\u00e9l\u00e9charger le communiqu\u00e9 de presse" target="_blank" type="download" title="Opens in a new window">\n\t\t\t\t\t\t\t<span>T\u00e9l\u00e9charger le communiqu\u00e9 de presse<\/span>\n\t\t\t\t\t\t\t<span>237 KB PDF<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\tLire la suite<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tActualit\u00e9s client<\/span><\/span>\n\t\t\t\t\t\t\t\t\tCapgemini et McDonald\u2019s renouvellent leur partenariat strat\u00e9gique avec un accord mondial pluriannuel ax\u00e9 sur le d\u00e9ploiement de plateformes modernes et \u00e9volutives<\/h3><\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\tApr 15, 2026<\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<a class="link-download" href="https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2026\/03\/2026_03_05_McDonalds_Capgemini_Press-Release_FR.pdf" aria-label="T\u00e9l\u00e9charger le communiqu\u00e9 de presse" target="_blank" type="download" title="Opens in a new window">\n\t\t\t\t\t\t\t<span>T\u00e9l\u00e9charger le communiqu\u00e9 de presse<\/span>\n\t\t\t\t\t\t\t<span>142 KB PDF<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\tLire la suite<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tPartenariats<\/span><\/span>\n\t\t\t\t\t\t\t\t\tCapgemini et OpenAI unissent leurs forces pour acc\u00e9l\u00e9rer la nouvelle \u00e8re de transformation des entreprises par l\u2019IA avec la Frontier Alliance<\/h3><\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\tMar 22, 2026<\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<a class="link-download" href="https:\/\/www.capgemini.com\/wp-content\/uploads\/2026\/02\/02_23_Capgemini-News-Alert_OpenAI-Frontier-Alliance.pdf" aria-label="T\u00e9l\u00e9charger le communiqu\u00e9 de presse" target="_blank" type="download" title="Opens in a new window">\n\t\t\t\t\t\t\t<span>T\u00e9l\u00e9charger le communiqu\u00e9 de presse<\/span>\n\t\t\t\t\t\t\t<span>132 KB PDF<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\tLire la suite<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div><\/div><\/div><\/section><\/div><\/div><\/div><\/div><\/div><\/div><\/section>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":336,"featured_media":0,"template":"","meta":{"cg_dt_proposed_to":[],"cg_seo_hreflang_relations":"[]","cg_seo_canonical_relation":"","cg_seo_hreflang_x_default_relation":"{\"uuid\":\"56fda9c7-9683-4b45-bddd-bf9c48baa87c\",\"blogId\":\"\",\"domain\":\"\",\"sitePath\":\"\",\"postLink\":\"\",\"postId\":null,\"isSaved\":true,\"isCrossLink\":false,\"hasCrossLink\":false}","cg_dt_approved_content":true,"cg_dt_mandatory_content":false,"cg_dt_notes":"","cg_dg_source_changed":false,"cg_dt_link_disabled":false,"footnotes":"","related_resource_url":"https:\/\/www.capgemini.com\/ca-fr\/wp-content\/uploads\/sites\/21\/2022\/11\/2021_10_07_World-Payments-Report_2021_FR.pdf","related_resource_id":2936,"related_resource_size":"210 KB","related_resource_type":"pdf","cg_author":0,"featured_focal_points":""},"tags":[],"press-release-type":[],"brand":[],"class_list":["post-2935","press-release","type-press-release","status-publish","hentry"],"yoast_head":"\nWorld payments report 2021 de Capgemini - 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Avec l\u2019augmentation des attentes client, les anciennes infrastructures de paiement sont mises \u00e0 l\u2019\u00e9preuve<\/strong><\/p>\n\n\n\nAlors que l\u2019adoption du digital continue de s\u2019acc\u00e9l\u00e9rer, l\u2019augmentation des volumes et les besoins de traitement instantan\u00e9 mettent \u00e0 rude \u00e9preuve les anciennes infrastructures de paiement. Environ 55 % des cadres interrog\u00e9s ont d\u00e9clar\u00e9 que leurs investissements technologiques prioritaires concernaient la modernisation des infrastructures de paiement (mise en \u0153uvre d\u2019un syst\u00e8me de paiement en temps r\u00e9el, int\u00e9gration d\u2019API, migration ISO 20022, transformation cloud). Les fournisseurs de services de paiement doivent donner la priorit\u00e9 aux fonctionnalit\u00e9s num\u00e9riques pour rester comp\u00e9titifs. Le COVID-19 a acc\u00e9l\u00e9r\u00e9 la digitalisation des paiements pour les particuliers comme pour les entreprises. Les lacunes en mati\u00e8re de satisfaction client ainsi que l\u2019app\u00e9tit croissant des clients particuliers et du B2B pour le digital continuent \u00e0 red\u00e9finir l\u2019engagement client dans le secteur des paiements. Selon le rapport, les domaines cl\u00e9s dans lesquels des \u00e9carts existent entre les attentes des clients et les priorit\u00e9s des cadres interrog\u00e9s sont : un programme de fid\u00e9lit\u00e9 attrayant, une exp\u00e9rience de transaction fluide, des options de paiement alternatives et des produits de paiement durables.<\/p>\n\n\n\nLes r\u00e9gulateurs s\u2019efforcent de trouver le juste \u00e9quilibre entre innovation et s\u00e9curit\u00e9<\/strong><\/p>\n\n\n\nLes fournisseurs de services de paiement ont b\u00e9n\u00e9fici\u00e9 d\u2019une nouvelle approche \u00e9quilibr\u00e9e des initiatives r\u00e9glementaires et sectorielles cl\u00e9s (KRII) visant \u00e0 promouvoir un environnement favorable aux paiements. Pour la premi\u00e8re fois depuis le suivi des KRIIs, les r\u00e9gulateurs ont suivi une d\u00e9marche \u00e9quilibr\u00e9e sur l\u2019ensemble des principaux objectifs (r\u00e9duction des risques, standardisation, concurrence et transparence, innovation) afin de maintenir l\u2019\u00e9quilibre sur le march\u00e9 des paiements.<\/p>\n\n\n\nLes KRIIs \u00e9voluent de mani\u00e8re cyclique en mettant l\u2019accent sur l\u2019efficience, l\u2019orientation client, l\u2019innovation et la collaboration. En garantissant des conditions de concurrence \u00e9quitables gr\u00e2ce \u00e0 des mesures anti-monopole et \u00e0 un partage transparent des donn\u00e9es, les d\u00e9cideurs politiques ouvrent la voie \u00e0 un avenir favorable \u00e0 l\u2019Open finance<\/em>. Selon le rapport, les fournisseurs de services de paiement devraient chercher \u00e0 tirer parti de cette approche r\u00e9glementaire alors qu\u2019ils continuent d\u2019innover pour r\u00e9pondre \u00e0 la demande des consommateurs.<\/p>\n\n\n\nLes soci\u00e9t\u00e9s de paiement doivent assurer leur avenir avec Payments 4.X<\/strong><\/p>\n\n\n\nAvec des d\u00e9penses et des modes de paiement non traditionnels en pleine croissance, les acteurs qui veulent assurer leur avenir adopteront les crit\u00e8res de Payments 4.X, notamment les donn\u00e9es, une infrastructure partag\u00e9e, des fonctionnalit\u00e9s de plateforme et une finance int\u00e9gr\u00e9e, pour offrir une exp\u00e9rience client sup\u00e9rieure. Pour am\u00e9liorer leurs perspectives de rentabilit\u00e9, la plupart des cadres interrog\u00e9s au sein de ces \u00e9tablissements bancaires ont opt\u00e9 pour des mesures sur leur mod\u00e8le d\u2019exploitation telles que l\u2019investissement dans des tiers pour \u00e9laborer des propositions innovantes (52 %), la mise en place d\u2019un \u00e9cosyst\u00e8me bas\u00e9 sur des API et le passage \u00e0 un mod\u00e8le \u00e9conomique fond\u00e9 sur les plateformes (45 %). Les entreprises de paiement les plus performantes collaboreront avec des PayTech et des partenaires de l\u2019\u00e9cosyst\u00e8me pour \u00e9laborer des solutions tourn\u00e9es vers l\u2019exp\u00e9rience client plut\u00f4t que sur les produits. La maturit\u00e9 des API, la qualit\u00e9 des donn\u00e9es et des capacit\u00e9s de traitement augment\u00e9es, associ\u00e9es \u00e0 l\u2019agilit\u00e9 cloud, seront les catalyseurs de Payments 4.X pour passer de la conception traditionnelle des transactions \u00e0 de nouvelles approches de mon\u00e9tisation.<\/p>\n\n\n\nM\u00e9thodologie du rapport<\/strong><\/p>\n\n\n\nLe rapport 2021 sur les paiements \u00e0 travers le monde fournit des analyses sur 44 march\u00e9s de paiement dans diverses zones g\u00e9ographiques. Nous avons d\u00e9fini cinq r\u00e9gions pour les graphiques macro-descriptifs : Europe, Am\u00e9rique du Nord, Asie-Pacifique, Am\u00e9rique latine et Afrique\/Moyen-Orient, regroup\u00e9es par crit\u00e8res g\u00e9ographiques, \u00e9conomiques et de maturit\u00e9 du march\u00e9 des paiements non-cash. Le rapport s\u2019appuie sur les conclusions d\u2019une enqu\u00eate sur le retour de 6 300 clients du monde entier et sur des entretiens et des enqu\u00eates aupr\u00e8s de plus de 210 responsables des paiements.<\/p>\n\n\n\n[1]<\/sup><\/a> Un environnement ax\u00e9 sur l\u2019exp\u00e9rience, marqu\u00e9 par une forte consolidation du secteur et qui attire un \u00e9cosyst\u00e8me d\u2019acteurs technologiques<\/p>\n\n\n\n[2]<\/sup><\/a> Internet Retailing<\/a>, \u00ab European eCommerce revenues jump 30% to US$465bn in 2021 \u00bb (L\u2019e-commerce europ\u00e9en g\u00e9n\u00e8re un chiffre d\u2019affaires de 465 milliards USD en 2021, soit une hausse de 30 %), page consult\u00e9e en juillet 2021.<\/p>\n\n\n\nE-Commerce News Europe<\/a>, \u00ab 25.5% of ecommerce in Europe is cross-border \u00bb (25,5 % du e-commerce en Europe est transfrontalier), 31 mars 2021.<\/p>\n\n\nRelated News<\/h2><\/div><\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tActualit\u00e9s financi\u00e8res<\/span><\/span>\n\t\t\t\t\t\t\t\t\tChiffre d\u2019affaires du 1er trimestre 2026<\/h3><\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\tApr 30, 2026<\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<a class="link-download" href="https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2026\/04\/Capgemini_-_2026-04-30_-_Chiffre_d_affaires_du_1er_trimestre_2026.pdf" aria-label="T\u00e9l\u00e9charger le communiqu\u00e9 de presse" target="_blank" type="download" title="Opens in a new window">\n\t\t\t\t\t\t\t<span>T\u00e9l\u00e9charger le communiqu\u00e9 de presse<\/span>\n\t\t\t\t\t\t\t<span>237 KB PDF<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\tLire la suite<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tActualit\u00e9s client<\/span><\/span>\n\t\t\t\t\t\t\t\t\tCapgemini et McDonald\u2019s renouvellent leur partenariat strat\u00e9gique avec un accord mondial pluriannuel ax\u00e9 sur le d\u00e9ploiement de plateformes modernes et \u00e9volutives<\/h3><\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\tApr 15, 2026<\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<a class="link-download" href="https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2026\/03\/2026_03_05_McDonalds_Capgemini_Press-Release_FR.pdf" aria-label="T\u00e9l\u00e9charger le communiqu\u00e9 de presse" target="_blank" type="download" title="Opens in a new window">\n\t\t\t\t\t\t\t<span>T\u00e9l\u00e9charger le communiqu\u00e9 de presse<\/span>\n\t\t\t\t\t\t\t<span>142 KB PDF<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\tLire la suite<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tPartenariats<\/span><\/span>\n\t\t\t\t\t\t\t\t\tCapgemini et OpenAI unissent leurs forces pour acc\u00e9l\u00e9rer la nouvelle \u00e8re de transformation des entreprises par l\u2019IA avec la Frontier Alliance<\/h3><\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\tMar 22, 2026<\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<a class="link-download" href="https:\/\/www.capgemini.com\/wp-content\/uploads\/2026\/02\/02_23_Capgemini-News-Alert_OpenAI-Frontier-Alliance.pdf" aria-label="T\u00e9l\u00e9charger le communiqu\u00e9 de presse" target="_blank" type="download" title="Opens in a new window">\n\t\t\t\t\t\t\t<span>T\u00e9l\u00e9charger le communiqu\u00e9 de presse<\/span>\n\t\t\t\t\t\t\t<span>132 KB PDF<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\tLire la suite<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div><\/div><\/div><\/section><\/div><\/div><\/div><\/div><\/div><\/div><\/section>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":336,"featured_media":0,"template":"","meta":{"cg_dt_proposed_to":[],"cg_seo_hreflang_relations":"[]","cg_seo_canonical_relation":"","cg_seo_hreflang_x_default_relation":"{\"uuid\":\"56fda9c7-9683-4b45-bddd-bf9c48baa87c\",\"blogId\":\"\",\"domain\":\"\",\"sitePath\":\"\",\"postLink\":\"\",\"postId\":null,\"isSaved\":true,\"isCrossLink\":false,\"hasCrossLink\":false}","cg_dt_approved_content":true,"cg_dt_mandatory_content":false,"cg_dt_notes":"","cg_dg_source_changed":false,"cg_dt_link_disabled":false,"footnotes":"","related_resource_url":"https:\/\/www.capgemini.com\/ca-fr\/wp-content\/uploads\/sites\/21\/2022\/11\/2021_10_07_World-Payments-Report_2021_FR.pdf","related_resource_id":2936,"related_resource_size":"210 KB","related_resource_type":"pdf","cg_author":0,"featured_focal_points":""},"tags":[],"press-release-type":[],"brand":[],"class_list":["post-2935","press-release","type-press-release","status-publish","hentry"],"yoast_head":"\nWorld payments report 2021 de Capgemini - 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Alors que l\u2019adoption du digital continue de s\u2019acc\u00e9l\u00e9rer, l\u2019augmentation des volumes et les besoins de traitement instantan\u00e9 mettent \u00e0 rude \u00e9preuve les anciennes infrastructures de paiement. Environ 55 % des cadres interrog\u00e9s ont d\u00e9clar\u00e9 que leurs investissements technologiques prioritaires concernaient la modernisation des infrastructures de paiement (mise en \u0153uvre d\u2019un syst\u00e8me de paiement en temps r\u00e9el, int\u00e9gration d\u2019API, migration ISO 20022, transformation cloud). Les fournisseurs de services de paiement doivent donner la priorit\u00e9 aux fonctionnalit\u00e9s num\u00e9riques pour rester comp\u00e9titifs. Le COVID-19 a acc\u00e9l\u00e9r\u00e9 la digitalisation des paiements pour les particuliers comme pour les entreprises. Les lacunes en mati\u00e8re de satisfaction client ainsi que l\u2019app\u00e9tit croissant des clients particuliers et du B2B pour le digital continuent \u00e0 red\u00e9finir l\u2019engagement client dans le secteur des paiements. Selon le rapport, les domaines cl\u00e9s dans lesquels des \u00e9carts existent entre les attentes des clients et les priorit\u00e9s des cadres interrog\u00e9s sont : un programme de fid\u00e9lit\u00e9 attrayant, une exp\u00e9rience de transaction fluide, des options de paiement alternatives et des produits de paiement durables.<\/p>\n\n\n\n
Les r\u00e9gulateurs s\u2019efforcent de trouver le juste \u00e9quilibre entre innovation et s\u00e9curit\u00e9<\/strong><\/p>\n\n\n\nLes fournisseurs de services de paiement ont b\u00e9n\u00e9fici\u00e9 d\u2019une nouvelle approche \u00e9quilibr\u00e9e des initiatives r\u00e9glementaires et sectorielles cl\u00e9s (KRII) visant \u00e0 promouvoir un environnement favorable aux paiements. Pour la premi\u00e8re fois depuis le suivi des KRIIs, les r\u00e9gulateurs ont suivi une d\u00e9marche \u00e9quilibr\u00e9e sur l\u2019ensemble des principaux objectifs (r\u00e9duction des risques, standardisation, concurrence et transparence, innovation) afin de maintenir l\u2019\u00e9quilibre sur le march\u00e9 des paiements.<\/p>\n\n\n\nLes KRIIs \u00e9voluent de mani\u00e8re cyclique en mettant l\u2019accent sur l\u2019efficience, l\u2019orientation client, l\u2019innovation et la collaboration. En garantissant des conditions de concurrence \u00e9quitables gr\u00e2ce \u00e0 des mesures anti-monopole et \u00e0 un partage transparent des donn\u00e9es, les d\u00e9cideurs politiques ouvrent la voie \u00e0 un avenir favorable \u00e0 l\u2019Open finance<\/em>. Selon le rapport, les fournisseurs de services de paiement devraient chercher \u00e0 tirer parti de cette approche r\u00e9glementaire alors qu\u2019ils continuent d\u2019innover pour r\u00e9pondre \u00e0 la demande des consommateurs.<\/p>\n\n\n\nLes soci\u00e9t\u00e9s de paiement doivent assurer leur avenir avec Payments 4.X<\/strong><\/p>\n\n\n\nAvec des d\u00e9penses et des modes de paiement non traditionnels en pleine croissance, les acteurs qui veulent assurer leur avenir adopteront les crit\u00e8res de Payments 4.X, notamment les donn\u00e9es, une infrastructure partag\u00e9e, des fonctionnalit\u00e9s de plateforme et une finance int\u00e9gr\u00e9e, pour offrir une exp\u00e9rience client sup\u00e9rieure. Pour am\u00e9liorer leurs perspectives de rentabilit\u00e9, la plupart des cadres interrog\u00e9s au sein de ces \u00e9tablissements bancaires ont opt\u00e9 pour des mesures sur leur mod\u00e8le d\u2019exploitation telles que l\u2019investissement dans des tiers pour \u00e9laborer des propositions innovantes (52 %), la mise en place d\u2019un \u00e9cosyst\u00e8me bas\u00e9 sur des API et le passage \u00e0 un mod\u00e8le \u00e9conomique fond\u00e9 sur les plateformes (45 %). Les entreprises de paiement les plus performantes collaboreront avec des PayTech et des partenaires de l\u2019\u00e9cosyst\u00e8me pour \u00e9laborer des solutions tourn\u00e9es vers l\u2019exp\u00e9rience client plut\u00f4t que sur les produits. La maturit\u00e9 des API, la qualit\u00e9 des donn\u00e9es et des capacit\u00e9s de traitement augment\u00e9es, associ\u00e9es \u00e0 l\u2019agilit\u00e9 cloud, seront les catalyseurs de Payments 4.X pour passer de la conception traditionnelle des transactions \u00e0 de nouvelles approches de mon\u00e9tisation.<\/p>\n\n\n\nM\u00e9thodologie du rapport<\/strong><\/p>\n\n\n\nLe rapport 2021 sur les paiements \u00e0 travers le monde fournit des analyses sur 44 march\u00e9s de paiement dans diverses zones g\u00e9ographiques. Nous avons d\u00e9fini cinq r\u00e9gions pour les graphiques macro-descriptifs : Europe, Am\u00e9rique du Nord, Asie-Pacifique, Am\u00e9rique latine et Afrique\/Moyen-Orient, regroup\u00e9es par crit\u00e8res g\u00e9ographiques, \u00e9conomiques et de maturit\u00e9 du march\u00e9 des paiements non-cash. Le rapport s\u2019appuie sur les conclusions d\u2019une enqu\u00eate sur le retour de 6 300 clients du monde entier et sur des entretiens et des enqu\u00eates aupr\u00e8s de plus de 210 responsables des paiements.<\/p>\n\n\n\n[1]<\/sup><\/a> Un environnement ax\u00e9 sur l\u2019exp\u00e9rience, marqu\u00e9 par une forte consolidation du secteur et qui attire un \u00e9cosyst\u00e8me d\u2019acteurs technologiques<\/p>\n\n\n\n[2]<\/sup><\/a> Internet Retailing<\/a>, \u00ab European eCommerce revenues jump 30% to US$465bn in 2021 \u00bb (L\u2019e-commerce europ\u00e9en g\u00e9n\u00e8re un chiffre d\u2019affaires de 465 milliards USD en 2021, soit une hausse de 30 %), page consult\u00e9e en juillet 2021.<\/p>\n\n\n\nE-Commerce News Europe<\/a>, \u00ab 25.5% of ecommerce in Europe is cross-border \u00bb (25,5 % du e-commerce en Europe est transfrontalier), 31 mars 2021.<\/p>\n\n\nRelated News<\/h2><\/div><\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tActualit\u00e9s financi\u00e8res<\/span><\/span>\n\t\t\t\t\t\t\t\t\tChiffre d\u2019affaires du 1er trimestre 2026<\/h3><\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\tApr 30, 2026<\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<a class="link-download" href="https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2026\/04\/Capgemini_-_2026-04-30_-_Chiffre_d_affaires_du_1er_trimestre_2026.pdf" aria-label="T\u00e9l\u00e9charger le communiqu\u00e9 de presse" target="_blank" type="download" title="Opens in a new window">\n\t\t\t\t\t\t\t<span>T\u00e9l\u00e9charger le communiqu\u00e9 de presse<\/span>\n\t\t\t\t\t\t\t<span>237 KB PDF<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\tLire la suite<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tActualit\u00e9s client<\/span><\/span>\n\t\t\t\t\t\t\t\t\tCapgemini et McDonald\u2019s renouvellent leur partenariat strat\u00e9gique avec un accord mondial pluriannuel ax\u00e9 sur le d\u00e9ploiement de plateformes modernes et \u00e9volutives<\/h3><\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\tApr 15, 2026<\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<a class="link-download" href="https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2026\/03\/2026_03_05_McDonalds_Capgemini_Press-Release_FR.pdf" aria-label="T\u00e9l\u00e9charger le communiqu\u00e9 de presse" target="_blank" type="download" title="Opens in a new window">\n\t\t\t\t\t\t\t<span>T\u00e9l\u00e9charger le communiqu\u00e9 de presse<\/span>\n\t\t\t\t\t\t\t<span>142 KB PDF<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\tLire la suite<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tPartenariats<\/span><\/span>\n\t\t\t\t\t\t\t\t\tCapgemini et OpenAI unissent leurs forces pour acc\u00e9l\u00e9rer la nouvelle \u00e8re de transformation des entreprises par l\u2019IA avec la Frontier Alliance<\/h3><\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\tMar 22, 2026<\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<a class="link-download" href="https:\/\/www.capgemini.com\/wp-content\/uploads\/2026\/02\/02_23_Capgemini-News-Alert_OpenAI-Frontier-Alliance.pdf" aria-label="T\u00e9l\u00e9charger le communiqu\u00e9 de presse" target="_blank" type="download" title="Opens in a new window">\n\t\t\t\t\t\t\t<span>T\u00e9l\u00e9charger le communiqu\u00e9 de presse<\/span>\n\t\t\t\t\t\t\t<span>132 KB PDF<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\tLire la suite<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div><\/div><\/div><\/section><\/div><\/div><\/div><\/div><\/div><\/div><\/section>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":336,"featured_media":0,"template":"","meta":{"cg_dt_proposed_to":[],"cg_seo_hreflang_relations":"[]","cg_seo_canonical_relation":"","cg_seo_hreflang_x_default_relation":"{\"uuid\":\"56fda9c7-9683-4b45-bddd-bf9c48baa87c\",\"blogId\":\"\",\"domain\":\"\",\"sitePath\":\"\",\"postLink\":\"\",\"postId\":null,\"isSaved\":true,\"isCrossLink\":false,\"hasCrossLink\":false}","cg_dt_approved_content":true,"cg_dt_mandatory_content":false,"cg_dt_notes":"","cg_dg_source_changed":false,"cg_dt_link_disabled":false,"footnotes":"","related_resource_url":"https:\/\/www.capgemini.com\/ca-fr\/wp-content\/uploads\/sites\/21\/2022\/11\/2021_10_07_World-Payments-Report_2021_FR.pdf","related_resource_id":2936,"related_resource_size":"210 KB","related_resource_type":"pdf","cg_author":0,"featured_focal_points":""},"tags":[],"press-release-type":[],"brand":[],"class_list":["post-2935","press-release","type-press-release","status-publish","hentry"],"yoast_head":"\nWorld payments report 2021 de Capgemini - 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Les fournisseurs de services de paiement ont b\u00e9n\u00e9fici\u00e9 d\u2019une nouvelle approche \u00e9quilibr\u00e9e des initiatives r\u00e9glementaires et sectorielles cl\u00e9s (KRII) visant \u00e0 promouvoir un environnement favorable aux paiements. Pour la premi\u00e8re fois depuis le suivi des KRIIs, les r\u00e9gulateurs ont suivi une d\u00e9marche \u00e9quilibr\u00e9e sur l\u2019ensemble des principaux objectifs (r\u00e9duction des risques, standardisation, concurrence et transparence, innovation) afin de maintenir l\u2019\u00e9quilibre sur le march\u00e9 des paiements.<\/p>\n\n\n\n
Les KRIIs \u00e9voluent de mani\u00e8re cyclique en mettant l\u2019accent sur l\u2019efficience, l\u2019orientation client, l\u2019innovation et la collaboration. En garantissant des conditions de concurrence \u00e9quitables gr\u00e2ce \u00e0 des mesures anti-monopole et \u00e0 un partage transparent des donn\u00e9es, les d\u00e9cideurs politiques ouvrent la voie \u00e0 un avenir favorable \u00e0 l\u2019Open finance<\/em>. Selon le rapport, les fournisseurs de services de paiement devraient chercher \u00e0 tirer parti de cette approche r\u00e9glementaire alors qu\u2019ils continuent d\u2019innover pour r\u00e9pondre \u00e0 la demande des consommateurs.<\/p>\n\n\n\nLes soci\u00e9t\u00e9s de paiement doivent assurer leur avenir avec Payments 4.X<\/strong><\/p>\n\n\n\nAvec des d\u00e9penses et des modes de paiement non traditionnels en pleine croissance, les acteurs qui veulent assurer leur avenir adopteront les crit\u00e8res de Payments 4.X, notamment les donn\u00e9es, une infrastructure partag\u00e9e, des fonctionnalit\u00e9s de plateforme et une finance int\u00e9gr\u00e9e, pour offrir une exp\u00e9rience client sup\u00e9rieure. Pour am\u00e9liorer leurs perspectives de rentabilit\u00e9, la plupart des cadres interrog\u00e9s au sein de ces \u00e9tablissements bancaires ont opt\u00e9 pour des mesures sur leur mod\u00e8le d\u2019exploitation telles que l\u2019investissement dans des tiers pour \u00e9laborer des propositions innovantes (52 %), la mise en place d\u2019un \u00e9cosyst\u00e8me bas\u00e9 sur des API et le passage \u00e0 un mod\u00e8le \u00e9conomique fond\u00e9 sur les plateformes (45 %). Les entreprises de paiement les plus performantes collaboreront avec des PayTech et des partenaires de l\u2019\u00e9cosyst\u00e8me pour \u00e9laborer des solutions tourn\u00e9es vers l\u2019exp\u00e9rience client plut\u00f4t que sur les produits. La maturit\u00e9 des API, la qualit\u00e9 des donn\u00e9es et des capacit\u00e9s de traitement augment\u00e9es, associ\u00e9es \u00e0 l\u2019agilit\u00e9 cloud, seront les catalyseurs de Payments 4.X pour passer de la conception traditionnelle des transactions \u00e0 de nouvelles approches de mon\u00e9tisation.<\/p>\n\n\n\nM\u00e9thodologie du rapport<\/strong><\/p>\n\n\n\nLe rapport 2021 sur les paiements \u00e0 travers le monde fournit des analyses sur 44 march\u00e9s de paiement dans diverses zones g\u00e9ographiques. Nous avons d\u00e9fini cinq r\u00e9gions pour les graphiques macro-descriptifs : Europe, Am\u00e9rique du Nord, Asie-Pacifique, Am\u00e9rique latine et Afrique\/Moyen-Orient, regroup\u00e9es par crit\u00e8res g\u00e9ographiques, \u00e9conomiques et de maturit\u00e9 du march\u00e9 des paiements non-cash. Le rapport s\u2019appuie sur les conclusions d\u2019une enqu\u00eate sur le retour de 6 300 clients du monde entier et sur des entretiens et des enqu\u00eates aupr\u00e8s de plus de 210 responsables des paiements.<\/p>\n\n\n\n[1]<\/sup><\/a> Un environnement ax\u00e9 sur l\u2019exp\u00e9rience, marqu\u00e9 par une forte consolidation du secteur et qui attire un \u00e9cosyst\u00e8me d\u2019acteurs technologiques<\/p>\n\n\n\n[2]<\/sup><\/a> Internet Retailing<\/a>, \u00ab European eCommerce revenues jump 30% to US$465bn in 2021 \u00bb (L\u2019e-commerce europ\u00e9en g\u00e9n\u00e8re un chiffre d\u2019affaires de 465 milliards USD en 2021, soit une hausse de 30 %), page consult\u00e9e en juillet 2021.<\/p>\n\n\n\nE-Commerce News Europe<\/a>, \u00ab 25.5% of ecommerce in Europe is cross-border \u00bb (25,5 % du e-commerce en Europe est transfrontalier), 31 mars 2021.<\/p>\n\n\nRelated News<\/h2><\/div><\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tActualit\u00e9s financi\u00e8res<\/span><\/span>\n\t\t\t\t\t\t\t\t\tChiffre d\u2019affaires du 1er trimestre 2026<\/h3><\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\tApr 30, 2026<\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<a class="link-download" href="https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2026\/04\/Capgemini_-_2026-04-30_-_Chiffre_d_affaires_du_1er_trimestre_2026.pdf" aria-label="T\u00e9l\u00e9charger le communiqu\u00e9 de presse" target="_blank" type="download" title="Opens in a new window">\n\t\t\t\t\t\t\t<span>T\u00e9l\u00e9charger le communiqu\u00e9 de presse<\/span>\n\t\t\t\t\t\t\t<span>237 KB PDF<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\tLire la suite<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tActualit\u00e9s client<\/span><\/span>\n\t\t\t\t\t\t\t\t\tCapgemini et McDonald\u2019s renouvellent leur partenariat strat\u00e9gique avec un accord mondial pluriannuel ax\u00e9 sur le d\u00e9ploiement de plateformes modernes et \u00e9volutives<\/h3><\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\tApr 15, 2026<\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<a class="link-download" href="https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2026\/03\/2026_03_05_McDonalds_Capgemini_Press-Release_FR.pdf" aria-label="T\u00e9l\u00e9charger le communiqu\u00e9 de presse" target="_blank" type="download" title="Opens in a new window">\n\t\t\t\t\t\t\t<span>T\u00e9l\u00e9charger le communiqu\u00e9 de presse<\/span>\n\t\t\t\t\t\t\t<span>142 KB PDF<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\tLire la suite<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tPartenariats<\/span><\/span>\n\t\t\t\t\t\t\t\t\tCapgemini et OpenAI unissent leurs forces pour acc\u00e9l\u00e9rer la nouvelle \u00e8re de transformation des entreprises par l\u2019IA avec la Frontier Alliance<\/h3><\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\tMar 22, 2026<\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<a class="link-download" href="https:\/\/www.capgemini.com\/wp-content\/uploads\/2026\/02\/02_23_Capgemini-News-Alert_OpenAI-Frontier-Alliance.pdf" aria-label="T\u00e9l\u00e9charger le communiqu\u00e9 de presse" target="_blank" type="download" title="Opens in a new window">\n\t\t\t\t\t\t\t<span>T\u00e9l\u00e9charger le communiqu\u00e9 de presse<\/span>\n\t\t\t\t\t\t\t<span>132 KB PDF<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\tLire la suite<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div><\/div><\/div><\/section><\/div><\/div><\/div><\/div><\/div><\/div><\/section>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":336,"featured_media":0,"template":"","meta":{"cg_dt_proposed_to":[],"cg_seo_hreflang_relations":"[]","cg_seo_canonical_relation":"","cg_seo_hreflang_x_default_relation":"{\"uuid\":\"56fda9c7-9683-4b45-bddd-bf9c48baa87c\",\"blogId\":\"\",\"domain\":\"\",\"sitePath\":\"\",\"postLink\":\"\",\"postId\":null,\"isSaved\":true,\"isCrossLink\":false,\"hasCrossLink\":false}","cg_dt_approved_content":true,"cg_dt_mandatory_content":false,"cg_dt_notes":"","cg_dg_source_changed":false,"cg_dt_link_disabled":false,"footnotes":"","related_resource_url":"https:\/\/www.capgemini.com\/ca-fr\/wp-content\/uploads\/sites\/21\/2022\/11\/2021_10_07_World-Payments-Report_2021_FR.pdf","related_resource_id":2936,"related_resource_size":"210 KB","related_resource_type":"pdf","cg_author":0,"featured_focal_points":""},"tags":[],"press-release-type":[],"brand":[],"class_list":["post-2935","press-release","type-press-release","status-publish","hentry"],"yoast_head":"\nWorld payments report 2021 de Capgemini - 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Les soci\u00e9t\u00e9s de paiement doivent assurer leur avenir avec Payments 4.X<\/strong><\/p>\n\n\n\nAvec des d\u00e9penses et des modes de paiement non traditionnels en pleine croissance, les acteurs qui veulent assurer leur avenir adopteront les crit\u00e8res de Payments 4.X, notamment les donn\u00e9es, une infrastructure partag\u00e9e, des fonctionnalit\u00e9s de plateforme et une finance int\u00e9gr\u00e9e, pour offrir une exp\u00e9rience client sup\u00e9rieure. Pour am\u00e9liorer leurs perspectives de rentabilit\u00e9, la plupart des cadres interrog\u00e9s au sein de ces \u00e9tablissements bancaires ont opt\u00e9 pour des mesures sur leur mod\u00e8le d\u2019exploitation telles que l\u2019investissement dans des tiers pour \u00e9laborer des propositions innovantes (52 %), la mise en place d\u2019un \u00e9cosyst\u00e8me bas\u00e9 sur des API et le passage \u00e0 un mod\u00e8le \u00e9conomique fond\u00e9 sur les plateformes (45 %). Les entreprises de paiement les plus performantes collaboreront avec des PayTech et des partenaires de l\u2019\u00e9cosyst\u00e8me pour \u00e9laborer des solutions tourn\u00e9es vers l\u2019exp\u00e9rience client plut\u00f4t que sur les produits. La maturit\u00e9 des API, la qualit\u00e9 des donn\u00e9es et des capacit\u00e9s de traitement augment\u00e9es, associ\u00e9es \u00e0 l\u2019agilit\u00e9 cloud, seront les catalyseurs de Payments 4.X pour passer de la conception traditionnelle des transactions \u00e0 de nouvelles approches de mon\u00e9tisation.<\/p>\n\n\n\nM\u00e9thodologie du rapport<\/strong><\/p>\n\n\n\nLe rapport 2021 sur les paiements \u00e0 travers le monde fournit des analyses sur 44 march\u00e9s de paiement dans diverses zones g\u00e9ographiques. Nous avons d\u00e9fini cinq r\u00e9gions pour les graphiques macro-descriptifs : Europe, Am\u00e9rique du Nord, Asie-Pacifique, Am\u00e9rique latine et Afrique\/Moyen-Orient, regroup\u00e9es par crit\u00e8res g\u00e9ographiques, \u00e9conomiques et de maturit\u00e9 du march\u00e9 des paiements non-cash. Le rapport s\u2019appuie sur les conclusions d\u2019une enqu\u00eate sur le retour de 6 300 clients du monde entier et sur des entretiens et des enqu\u00eates aupr\u00e8s de plus de 210 responsables des paiements.<\/p>\n\n\n\n[1]<\/sup><\/a> Un environnement ax\u00e9 sur l\u2019exp\u00e9rience, marqu\u00e9 par une forte consolidation du secteur et qui attire un \u00e9cosyst\u00e8me d\u2019acteurs technologiques<\/p>\n\n\n\n[2]<\/sup><\/a> Internet Retailing<\/a>, \u00ab European eCommerce revenues jump 30% to US$465bn in 2021 \u00bb (L\u2019e-commerce europ\u00e9en g\u00e9n\u00e8re un chiffre d\u2019affaires de 465 milliards USD en 2021, soit une hausse de 30 %), page consult\u00e9e en juillet 2021.<\/p>\n\n\n\nE-Commerce News Europe<\/a>, \u00ab 25.5% of ecommerce in Europe is cross-border \u00bb (25,5 % du e-commerce en Europe est transfrontalier), 31 mars 2021.<\/p>\n\n\nRelated News<\/h2><\/div><\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tActualit\u00e9s financi\u00e8res<\/span><\/span>\n\t\t\t\t\t\t\t\t\tChiffre d\u2019affaires du 1er trimestre 2026<\/h3><\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\tApr 30, 2026<\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<a class="link-download" href="https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2026\/04\/Capgemini_-_2026-04-30_-_Chiffre_d_affaires_du_1er_trimestre_2026.pdf" aria-label="T\u00e9l\u00e9charger le communiqu\u00e9 de presse" target="_blank" type="download" title="Opens in a new window">\n\t\t\t\t\t\t\t<span>T\u00e9l\u00e9charger le communiqu\u00e9 de presse<\/span>\n\t\t\t\t\t\t\t<span>237 KB PDF<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\tLire la suite<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tActualit\u00e9s client<\/span><\/span>\n\t\t\t\t\t\t\t\t\tCapgemini et McDonald\u2019s renouvellent leur partenariat strat\u00e9gique avec un accord mondial pluriannuel ax\u00e9 sur le d\u00e9ploiement de plateformes modernes et \u00e9volutives<\/h3><\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\tApr 15, 2026<\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<a class="link-download" href="https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2026\/03\/2026_03_05_McDonalds_Capgemini_Press-Release_FR.pdf" aria-label="T\u00e9l\u00e9charger le communiqu\u00e9 de presse" target="_blank" type="download" title="Opens in a new window">\n\t\t\t\t\t\t\t<span>T\u00e9l\u00e9charger le communiqu\u00e9 de presse<\/span>\n\t\t\t\t\t\t\t<span>142 KB PDF<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\tLire la suite<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tPartenariats<\/span><\/span>\n\t\t\t\t\t\t\t\t\tCapgemini et OpenAI unissent leurs forces pour acc\u00e9l\u00e9rer la nouvelle \u00e8re de transformation des entreprises par l\u2019IA avec la Frontier Alliance<\/h3><\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\tMar 22, 2026<\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<a class="link-download" href="https:\/\/www.capgemini.com\/wp-content\/uploads\/2026\/02\/02_23_Capgemini-News-Alert_OpenAI-Frontier-Alliance.pdf" aria-label="T\u00e9l\u00e9charger le communiqu\u00e9 de presse" target="_blank" type="download" title="Opens in a new window">\n\t\t\t\t\t\t\t<span>T\u00e9l\u00e9charger le communiqu\u00e9 de presse<\/span>\n\t\t\t\t\t\t\t<span>132 KB PDF<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\tLire la suite<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div><\/div><\/div><\/section><\/div><\/div><\/div><\/div><\/div><\/div><\/section>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":336,"featured_media":0,"template":"","meta":{"cg_dt_proposed_to":[],"cg_seo_hreflang_relations":"[]","cg_seo_canonical_relation":"","cg_seo_hreflang_x_default_relation":"{\"uuid\":\"56fda9c7-9683-4b45-bddd-bf9c48baa87c\",\"blogId\":\"\",\"domain\":\"\",\"sitePath\":\"\",\"postLink\":\"\",\"postId\":null,\"isSaved\":true,\"isCrossLink\":false,\"hasCrossLink\":false}","cg_dt_approved_content":true,"cg_dt_mandatory_content":false,"cg_dt_notes":"","cg_dg_source_changed":false,"cg_dt_link_disabled":false,"footnotes":"","related_resource_url":"https:\/\/www.capgemini.com\/ca-fr\/wp-content\/uploads\/sites\/21\/2022\/11\/2021_10_07_World-Payments-Report_2021_FR.pdf","related_resource_id":2936,"related_resource_size":"210 KB","related_resource_type":"pdf","cg_author":0,"featured_focal_points":""},"tags":[],"press-release-type":[],"brand":[],"class_list":["post-2935","press-release","type-press-release","status-publish","hentry"],"yoast_head":"\nWorld payments report 2021 de Capgemini - 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Avec des d\u00e9penses et des modes de paiement non traditionnels en pleine croissance, les acteurs qui veulent assurer leur avenir adopteront les crit\u00e8res de Payments 4.X, notamment les donn\u00e9es, une infrastructure partag\u00e9e, des fonctionnalit\u00e9s de plateforme et une finance int\u00e9gr\u00e9e, pour offrir une exp\u00e9rience client sup\u00e9rieure. Pour am\u00e9liorer leurs perspectives de rentabilit\u00e9, la plupart des cadres interrog\u00e9s au sein de ces \u00e9tablissements bancaires ont opt\u00e9 pour des mesures sur leur mod\u00e8le d\u2019exploitation telles que l\u2019investissement dans des tiers pour \u00e9laborer des propositions innovantes (52 %), la mise en place d\u2019un \u00e9cosyst\u00e8me bas\u00e9 sur des API et le passage \u00e0 un mod\u00e8le \u00e9conomique fond\u00e9 sur les plateformes (45 %). Les entreprises de paiement les plus performantes collaboreront avec des PayTech et des partenaires de l\u2019\u00e9cosyst\u00e8me pour \u00e9laborer des solutions tourn\u00e9es vers l\u2019exp\u00e9rience client plut\u00f4t que sur les produits. La maturit\u00e9 des API, la qualit\u00e9 des donn\u00e9es et des capacit\u00e9s de traitement augment\u00e9es, associ\u00e9es \u00e0 l\u2019agilit\u00e9 cloud, seront les catalyseurs de Payments 4.X pour passer de la conception traditionnelle des transactions \u00e0 de nouvelles approches de mon\u00e9tisation.<\/p>\n\n\n\n
M\u00e9thodologie du rapport<\/strong><\/p>\n\n\n\nLe rapport 2021 sur les paiements \u00e0 travers le monde fournit des analyses sur 44 march\u00e9s de paiement dans diverses zones g\u00e9ographiques. Nous avons d\u00e9fini cinq r\u00e9gions pour les graphiques macro-descriptifs : Europe, Am\u00e9rique du Nord, Asie-Pacifique, Am\u00e9rique latine et Afrique\/Moyen-Orient, regroup\u00e9es par crit\u00e8res g\u00e9ographiques, \u00e9conomiques et de maturit\u00e9 du march\u00e9 des paiements non-cash. Le rapport s\u2019appuie sur les conclusions d\u2019une enqu\u00eate sur le retour de 6 300 clients du monde entier et sur des entretiens et des enqu\u00eates aupr\u00e8s de plus de 210 responsables des paiements.<\/p>\n\n\n\n[1]<\/sup><\/a> Un environnement ax\u00e9 sur l\u2019exp\u00e9rience, marqu\u00e9 par une forte consolidation du secteur et qui attire un \u00e9cosyst\u00e8me d\u2019acteurs technologiques<\/p>\n\n\n\n[2]<\/sup><\/a> Internet Retailing<\/a>, \u00ab European eCommerce revenues jump 30% to US$465bn in 2021 \u00bb (L\u2019e-commerce europ\u00e9en g\u00e9n\u00e8re un chiffre d\u2019affaires de 465 milliards USD en 2021, soit une hausse de 30 %), page consult\u00e9e en juillet 2021.<\/p>\n\n\n\nE-Commerce News Europe<\/a>, \u00ab 25.5% of ecommerce in Europe is cross-border \u00bb (25,5 % du e-commerce en Europe est transfrontalier), 31 mars 2021.<\/p>\n\n\nRelated News<\/h2><\/div><\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tActualit\u00e9s financi\u00e8res<\/span><\/span>\n\t\t\t\t\t\t\t\t\tChiffre d\u2019affaires du 1er trimestre 2026<\/h3><\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\tApr 30, 2026<\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<a class="link-download" href="https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2026\/04\/Capgemini_-_2026-04-30_-_Chiffre_d_affaires_du_1er_trimestre_2026.pdf" aria-label="T\u00e9l\u00e9charger le communiqu\u00e9 de presse" target="_blank" type="download" title="Opens in a new window">\n\t\t\t\t\t\t\t<span>T\u00e9l\u00e9charger le communiqu\u00e9 de presse<\/span>\n\t\t\t\t\t\t\t<span>237 KB PDF<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\tLire la suite<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tActualit\u00e9s client<\/span><\/span>\n\t\t\t\t\t\t\t\t\tCapgemini et McDonald\u2019s renouvellent leur partenariat strat\u00e9gique avec un accord mondial pluriannuel ax\u00e9 sur le d\u00e9ploiement de plateformes modernes et \u00e9volutives<\/h3><\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\tApr 15, 2026<\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<a class="link-download" href="https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2026\/03\/2026_03_05_McDonalds_Capgemini_Press-Release_FR.pdf" aria-label="T\u00e9l\u00e9charger le communiqu\u00e9 de presse" target="_blank" type="download" title="Opens in a new window">\n\t\t\t\t\t\t\t<span>T\u00e9l\u00e9charger le communiqu\u00e9 de presse<\/span>\n\t\t\t\t\t\t\t<span>142 KB PDF<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\tLire la suite<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tPartenariats<\/span><\/span>\n\t\t\t\t\t\t\t\t\tCapgemini et OpenAI unissent leurs forces pour acc\u00e9l\u00e9rer la nouvelle \u00e8re de transformation des entreprises par l\u2019IA avec la Frontier Alliance<\/h3><\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\tMar 22, 2026<\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<a class="link-download" href="https:\/\/www.capgemini.com\/wp-content\/uploads\/2026\/02\/02_23_Capgemini-News-Alert_OpenAI-Frontier-Alliance.pdf" aria-label="T\u00e9l\u00e9charger le communiqu\u00e9 de presse" target="_blank" type="download" title="Opens in a new window">\n\t\t\t\t\t\t\t<span>T\u00e9l\u00e9charger le communiqu\u00e9 de presse<\/span>\n\t\t\t\t\t\t\t<span>132 KB PDF<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\tLire la suite<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div><\/div><\/div><\/section><\/div><\/div><\/div><\/div><\/div><\/div><\/section>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":336,"featured_media":0,"template":"","meta":{"cg_dt_proposed_to":[],"cg_seo_hreflang_relations":"[]","cg_seo_canonical_relation":"","cg_seo_hreflang_x_default_relation":"{\"uuid\":\"56fda9c7-9683-4b45-bddd-bf9c48baa87c\",\"blogId\":\"\",\"domain\":\"\",\"sitePath\":\"\",\"postLink\":\"\",\"postId\":null,\"isSaved\":true,\"isCrossLink\":false,\"hasCrossLink\":false}","cg_dt_approved_content":true,"cg_dt_mandatory_content":false,"cg_dt_notes":"","cg_dg_source_changed":false,"cg_dt_link_disabled":false,"footnotes":"","related_resource_url":"https:\/\/www.capgemini.com\/ca-fr\/wp-content\/uploads\/sites\/21\/2022\/11\/2021_10_07_World-Payments-Report_2021_FR.pdf","related_resource_id":2936,"related_resource_size":"210 KB","related_resource_type":"pdf","cg_author":0,"featured_focal_points":""},"tags":[],"press-release-type":[],"brand":[],"class_list":["post-2935","press-release","type-press-release","status-publish","hentry"],"yoast_head":"\nWorld payments report 2021 de Capgemini - 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Le rapport 2021 sur les paiements \u00e0 travers le monde fournit des analyses sur 44 march\u00e9s de paiement dans diverses zones g\u00e9ographiques. Nous avons d\u00e9fini cinq r\u00e9gions pour les graphiques macro-descriptifs : Europe, Am\u00e9rique du Nord, Asie-Pacifique, Am\u00e9rique latine et Afrique\/Moyen-Orient, regroup\u00e9es par crit\u00e8res g\u00e9ographiques, \u00e9conomiques et de maturit\u00e9 du march\u00e9 des paiements non-cash. Le rapport s\u2019appuie sur les conclusions d\u2019une enqu\u00eate sur le retour de 6 300 clients du monde entier et sur des entretiens et des enqu\u00eates aupr\u00e8s de plus de 210 responsables des paiements.<\/p>\n\n\n\n
[1]<\/sup><\/a> Un environnement ax\u00e9 sur l\u2019exp\u00e9rience, marqu\u00e9 par une forte consolidation du secteur et qui attire un \u00e9cosyst\u00e8me d\u2019acteurs technologiques<\/p>\n\n\n\n[2]<\/sup><\/a> Internet Retailing<\/a>, \u00ab European eCommerce revenues jump 30% to US$465bn in 2021 \u00bb (L\u2019e-commerce europ\u00e9en g\u00e9n\u00e8re un chiffre d\u2019affaires de 465 milliards USD en 2021, soit une hausse de 30 %), page consult\u00e9e en juillet 2021.<\/p>\n\n\n\nE-Commerce News Europe<\/a>, \u00ab 25.5% of ecommerce in Europe is cross-border \u00bb (25,5 % du e-commerce en Europe est transfrontalier), 31 mars 2021.<\/p>\n\n\nRelated News<\/h2><\/div><\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tActualit\u00e9s financi\u00e8res<\/span><\/span>\n\t\t\t\t\t\t\t\t\tChiffre d\u2019affaires du 1er trimestre 2026<\/h3><\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\tApr 30, 2026<\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<a class="link-download" href="https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2026\/04\/Capgemini_-_2026-04-30_-_Chiffre_d_affaires_du_1er_trimestre_2026.pdf" aria-label="T\u00e9l\u00e9charger le communiqu\u00e9 de presse" target="_blank" type="download" title="Opens in a new window">\n\t\t\t\t\t\t\t<span>T\u00e9l\u00e9charger le communiqu\u00e9 de presse<\/span>\n\t\t\t\t\t\t\t<span>237 KB PDF<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\tLire la suite<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tActualit\u00e9s client<\/span><\/span>\n\t\t\t\t\t\t\t\t\tCapgemini et McDonald\u2019s renouvellent leur partenariat strat\u00e9gique avec un accord mondial pluriannuel ax\u00e9 sur le d\u00e9ploiement de plateformes modernes et \u00e9volutives<\/h3><\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\tApr 15, 2026<\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<a class="link-download" href="https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2026\/03\/2026_03_05_McDonalds_Capgemini_Press-Release_FR.pdf" aria-label="T\u00e9l\u00e9charger le communiqu\u00e9 de presse" target="_blank" type="download" title="Opens in a new window">\n\t\t\t\t\t\t\t<span>T\u00e9l\u00e9charger le communiqu\u00e9 de presse<\/span>\n\t\t\t\t\t\t\t<span>142 KB PDF<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\tLire la suite<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tPartenariats<\/span><\/span>\n\t\t\t\t\t\t\t\t\tCapgemini et OpenAI unissent leurs forces pour acc\u00e9l\u00e9rer la nouvelle \u00e8re de transformation des entreprises par l\u2019IA avec la Frontier Alliance<\/h3><\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\tMar 22, 2026<\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<a class="link-download" href="https:\/\/www.capgemini.com\/wp-content\/uploads\/2026\/02\/02_23_Capgemini-News-Alert_OpenAI-Frontier-Alliance.pdf" aria-label="T\u00e9l\u00e9charger le communiqu\u00e9 de presse" target="_blank" type="download" title="Opens in a new window">\n\t\t\t\t\t\t\t<span>T\u00e9l\u00e9charger le communiqu\u00e9 de presse<\/span>\n\t\t\t\t\t\t\t<span>132 KB PDF<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\tLire la suite<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div><\/div><\/div><\/section><\/div><\/div><\/div><\/div><\/div><\/div><\/section>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":336,"featured_media":0,"template":"","meta":{"cg_dt_proposed_to":[],"cg_seo_hreflang_relations":"[]","cg_seo_canonical_relation":"","cg_seo_hreflang_x_default_relation":"{\"uuid\":\"56fda9c7-9683-4b45-bddd-bf9c48baa87c\",\"blogId\":\"\",\"domain\":\"\",\"sitePath\":\"\",\"postLink\":\"\",\"postId\":null,\"isSaved\":true,\"isCrossLink\":false,\"hasCrossLink\":false}","cg_dt_approved_content":true,"cg_dt_mandatory_content":false,"cg_dt_notes":"","cg_dg_source_changed":false,"cg_dt_link_disabled":false,"footnotes":"","related_resource_url":"https:\/\/www.capgemini.com\/ca-fr\/wp-content\/uploads\/sites\/21\/2022\/11\/2021_10_07_World-Payments-Report_2021_FR.pdf","related_resource_id":2936,"related_resource_size":"210 KB","related_resource_type":"pdf","cg_author":0,"featured_focal_points":""},"tags":[],"press-release-type":[],"brand":[],"class_list":["post-2935","press-release","type-press-release","status-publish","hentry"],"yoast_head":"\nWorld payments report 2021 de Capgemini - 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[2]<\/sup><\/a> Internet Retailing<\/a>, \u00ab European eCommerce revenues jump 30% to US$465bn in 2021 \u00bb (L\u2019e-commerce europ\u00e9en g\u00e9n\u00e8re un chiffre d\u2019affaires de 465 milliards USD en 2021, soit une hausse de 30 %), page consult\u00e9e en juillet 2021.<\/p>\n\n\n\nE-Commerce News Europe<\/a>, \u00ab 25.5% of ecommerce in Europe is cross-border \u00bb (25,5 % du e-commerce en Europe est transfrontalier), 31 mars 2021.<\/p>\n\n\nRelated News<\/h2><\/div><\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tActualit\u00e9s financi\u00e8res<\/span><\/span>\n\t\t\t\t\t\t\t\t\tChiffre d\u2019affaires du 1er trimestre 2026<\/h3><\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\tApr 30, 2026<\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<a class="link-download" href="https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2026\/04\/Capgemini_-_2026-04-30_-_Chiffre_d_affaires_du_1er_trimestre_2026.pdf" aria-label="T\u00e9l\u00e9charger le communiqu\u00e9 de presse" target="_blank" type="download" title="Opens in a new window">\n\t\t\t\t\t\t\t<span>T\u00e9l\u00e9charger le communiqu\u00e9 de presse<\/span>\n\t\t\t\t\t\t\t<span>237 KB PDF<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\tLire la suite<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tActualit\u00e9s client<\/span><\/span>\n\t\t\t\t\t\t\t\t\tCapgemini et McDonald\u2019s renouvellent leur partenariat strat\u00e9gique avec un accord mondial pluriannuel ax\u00e9 sur le d\u00e9ploiement de plateformes modernes et \u00e9volutives<\/h3><\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\tApr 15, 2026<\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<a class="link-download" href="https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2026\/03\/2026_03_05_McDonalds_Capgemini_Press-Release_FR.pdf" aria-label="T\u00e9l\u00e9charger le communiqu\u00e9 de presse" target="_blank" type="download" title="Opens in a new window">\n\t\t\t\t\t\t\t<span>T\u00e9l\u00e9charger le communiqu\u00e9 de presse<\/span>\n\t\t\t\t\t\t\t<span>142 KB PDF<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\tLire la suite<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tPartenariats<\/span><\/span>\n\t\t\t\t\t\t\t\t\tCapgemini et OpenAI unissent leurs forces pour acc\u00e9l\u00e9rer la nouvelle \u00e8re de transformation des entreprises par l\u2019IA avec la Frontier Alliance<\/h3><\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\tMar 22, 2026<\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<a class="link-download" href="https:\/\/www.capgemini.com\/wp-content\/uploads\/2026\/02\/02_23_Capgemini-News-Alert_OpenAI-Frontier-Alliance.pdf" aria-label="T\u00e9l\u00e9charger le communiqu\u00e9 de presse" target="_blank" type="download" title="Opens in a new window">\n\t\t\t\t\t\t\t<span>T\u00e9l\u00e9charger le communiqu\u00e9 de presse<\/span>\n\t\t\t\t\t\t\t<span>132 KB PDF<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\tLire la suite<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div><\/div><\/div><\/section><\/div><\/div><\/div><\/div><\/div><\/div><\/section>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":336,"featured_media":0,"template":"","meta":{"cg_dt_proposed_to":[],"cg_seo_hreflang_relations":"[]","cg_seo_canonical_relation":"","cg_seo_hreflang_x_default_relation":"{\"uuid\":\"56fda9c7-9683-4b45-bddd-bf9c48baa87c\",\"blogId\":\"\",\"domain\":\"\",\"sitePath\":\"\",\"postLink\":\"\",\"postId\":null,\"isSaved\":true,\"isCrossLink\":false,\"hasCrossLink\":false}","cg_dt_approved_content":true,"cg_dt_mandatory_content":false,"cg_dt_notes":"","cg_dg_source_changed":false,"cg_dt_link_disabled":false,"footnotes":"","related_resource_url":"https:\/\/www.capgemini.com\/ca-fr\/wp-content\/uploads\/sites\/21\/2022\/11\/2021_10_07_World-Payments-Report_2021_FR.pdf","related_resource_id":2936,"related_resource_size":"210 KB","related_resource_type":"pdf","cg_author":0,"featured_focal_points":""},"tags":[],"press-release-type":[],"brand":[],"class_list":["post-2935","press-release","type-press-release","status-publish","hentry"],"yoast_head":"\nWorld payments report 2021 de Capgemini - 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