{"id":700437,"date":"2023-10-09T14:55:57","date_gmt":"2023-10-09T14:55:57","guid":{"rendered":"https:\/\/www.capgemini.com\/ca-fr\/?post_type=research-and-insight&#038;p=700437"},"modified":"2025-03-30T07:37:40","modified_gmt":"2025-03-30T07:37:40","slug":"world-payments-report-2023","status":"publish","type":"research-and-insight","link":"https:\/\/www.capgemini.com\/ca-fr\/perspectives\/publications\/world-payments-report-2023\/","title":{"rendered":"World payments report 2023"},"content":{"rendered":"\n<header class=\"wp-block-cg-blocks-hero-reusable header heroReusable  \"><div class=\"header-bgs\"><picture><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2022\/10\/WPR_2023_LandingPage_2880X1800px.jpg?w=2880&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2022\/10\/WPR_2023_LandingPage_2880X1800px.jpg?w=2880&amp;quality=70 2x\" media=\"(min-width: 1500px)\"\/><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2022\/10\/WPR_2023_LandingPage_2880X1800px.jpg?w=1440&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2022\/10\/WPR_2023_LandingPage_2880X1800px.jpg?w=2880&amp;quality=70 2x\" media=\"(min-width: 992px)\"\/><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2022\/10\/WPR_2023_LandingPage_2880X1800px.jpg?w=1024&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2022\/10\/WPR_2023_LandingPage_2880X1800px.jpg?w=1024&amp;quality=70 2x\" media=\"(min-width: 768px)\"\/><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2022\/10\/WPR_2023_LandingPage_2880X1800px.jpg?w=768&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2022\/10\/WPR_2023_LandingPage_2880X1800px.jpg?w=768&amp;quality=70 2x\" media=\"(min-width: 0)\"\/><img decoding=\"async\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2022\/10\/WPR_2023_LandingPage_2880X1800px.jpg\" class=\"header-img header-img-d\" alt=\"\" style=\"object-fit:cover;object-position:44% 62%\" loading=\"eager\"\/><\/picture><\/div><div class=\"heroPictureCardHeaderShape\"><\/div><div class=\"container\"><div class=\"row\"><div class=\"col-md-12\"><div class=\"box\"><div class=\"boxTagWrapper\"><div class=\"tagInfo\"><div><span class=\"box-tag\">Services Financiers<\/span><\/div><\/div><div class=\"brandInfo\"><div class=\"brandLogo\"><img decoding=\"async\" loading=\"lazy\" src=\"\/wp-content\/themes\/capgemini2020\/assets\/images\/capgemini-research-institute.svg\" alt=\"capgemini-research-institute\"\/><\/div><\/div><\/div><div class=\"box-title\"><h1 data-maxlength=\"34\">World payments report 2023<\/h1><\/div><div class=\"inner-row-insight download-btn\"><\/div><\/div><\/div><\/div><\/div><\/header>\n\n\n\n<section class=\"wp-block-cg-blocks-group undefined section section--article-content\"><div class=\"article-main-content\"><div class=\"container\"><div class=\"row\"><div class=\"col-12 col-md-1\"><nav class=\"article-social\"><ul class=\"social-nav\"><li class=\"ip-order-fb\"><a href=\"https:\/\/www.facebook.com\/sharer\/sharer.php?u=https:\/\/www.capgemini.com\/?post_type=research-and-insight&amp;p=835951\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"Ouvrir dans une nouvelle fen\u00eatre\"><i aria-hidden=\"true\" class=\"icon-fb\"><\/i><span class=\"sr-only\">Facebook<\/span><\/a><\/li><li class=\"ip-order-tw\"><a href=\"https:\/\/twitter.com\/intent\/tweet?url=https:\/\/www.capgemini.com\/?post_type=research-and-insight&amp;p=835951&amp;text=World%20Payments%20Report%202022\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"Ouvrir dans une nouvelle fen\u00eatre\"><i aria-hidden=\"true\" class=\"icon-tw\"><\/i><span class=\"sr-only\">Twitter<\/span><\/a><\/li><li class=\"ip-order-li\"><a href=\"https:\/\/www.linkedin.com\/shareArticle?url=https:\/\/www.capgemini.com\/?post_type=research-and-insight&amp;p=835951&amp;text=World%20Payments%20Report%202022\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"Ouvrir dans une nouvelle fen\u00eatre\"><i aria-hidden=\"true\" class=\"icon-li\"><\/i><span class=\"sr-only\">Linkedin<\/span><\/a><\/li><\/ul><\/nav><\/div><div class=\"col-12 col-md-11 col-lg-10\"><div class=\"article-text article-quote-text\">\n<h3 class=\"wp-block-heading\" id=\"h-ou-est-le-cash-accelerer-la-transformation-du-cash-management-des-entreprises-pour-creer-de-la-valeur\">O\u00f9 est le cash ? Acc\u00e9l\u00e9rer la transformation du cash management des entreprises pour cr\u00e9er de la valeur<\/h3>\n\n\n\n<p>Les banques et les acteurs du paiement doivent r\u00e9\u00e9quilibrer leurs activit\u00e9s entre les paiements de d\u00e9tail et les paiements commerciaux pour maximiser la valeur. Proposer une approche unique de services aux entreprises n\u2019est pas la bonne approche.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>R\u00e9pondre aux nouvelles attentes des tr\u00e9soriers d&#8217;entreprise et leur fournir une vue \u00e0 360\u00b0 de leur tr\u00e9sorerie pour une gestion plus efficace de leur cash-flow.<\/li>\n\n\n\n<li>Donner la priorit\u00e9 \u00e0 l&#8217;engagement top-down, \u00e0 la planification coh\u00e9rente et aux r\u00e9formes structurelles pour que la transformation num\u00e9rique se concr\u00e9tise, y compris par des services de cash management plus efficaces.<\/li>\n\n\n\n<li>\u00c9tablir des relations strat\u00e9giques sur le cash management avec les entreprises afin d\u2019\u00e9viter d\u2019\u00eatre d\u00e9sinterm\u00e9di\u00e9e par des concurrents et d&#8217;augmenter les opportunit\u00e9s de vente d\u2019autres services financiers.<\/li>\n<\/ul>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.capgemini.com\/fr-fr\/actualites\/communiques-de-presse\/le-nombre-de-transactions-dematerialisees-dans-le-monde-devrait-atteindre-1-300-milliards-en-2023\/\">Lire le communiqu\u00e9 de presse <\/a><\/div>\n<\/div>\n\n\n\n<div style=\"height:2px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-cg-blocks-cta-popin-form\"><section class=\"cta-popin-form-block\"><div class=\"container\"><div class=\"cta-popin-btn-wrapper cta-popin-btn-align-left\"><a class=\"cta-popin-btn  \" data-bs-toggle=\"modal\" data-bs-target=\"#cta-popin-5ad11738-d269-425b-9aaf-76a2bd4803aa\">T\u00e9l\u00e9chargez le rapport<\/a><\/div><div class=\"call-to-action-block\"><div class=\"modal cta-frontend-modal-wrapper\" id=\"cta-popin-5ad11738-d269-425b-9aaf-76a2bd4803aa\"><div class=\"modal-dialog modal-lg modal-dialog-centered modal-dialog-scrollable cta-frontend-modal\"><div class=\"modal-content\"><div class=\"modal-header\"><button type=\"button\" class=\"btn-close\" data-bs-dismiss=\"modal\" aria-label=\"close\"> <\/button><\/div><div class=\"modal-body\"><div class=\"logo-wrapper\"><img decoding=\"async\" loading=\"lazy\" src=\"\/wp-content\/themes\/capgemini2020\/assets\/images\/logo.svg\" alt=\"logo\"\/><\/div><h4 class=\"form-title\">T\u00e9l\u00e9charger le rapport<\/h4>\t\t<div class=\"mf_forms__container \">\n\t\t\t\t\t\t\t\t<form id=\"mf_form_729746_4146586690\" class=\"mf_form__form row needs-validation\" action=\"\" method=\"post\" enctype=\"multipart\/form-data\" data-nosnippet>\n\t\t\t<div class=\"col-12\">\n\t\t\t\t<div class=\"asterisk_title\">\n\t\t\t\t\t<p><span class=\"star-required\">*<\/span> Champ obligatoire<\/p>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"col-12\">\n\t\t\t\t<div class=\"mf_form__errors mf_form__errors--top\" role=\"alert\" aria-live=\"polite\">\n\t\t\t\t\t<ul class=\"mf_form__errors__list\"><\/ul>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\t<input type=\"hidden\" name=\"form_id\" data-validate=\"number\" class=\"mf_form__id\" value=\"729746\" \/>\n\t\t\t\t<input type=\"hidden\" name=\"form_title\" class=\"mf_form__title\" value=\"\" \/>\n\t\t\t\t<input type=\"hidden\" name=\"wp_rest_nonce\" class=\"mf_form__wp_rest_nonce\" value=\"ded46b7970\" \/>\n\n\t\t\t\t<input type=\"hidden\" name=\"mf_form_conditional_logic\" class=\"mf_form__title conditional_logic\" value=\"\" \/>\n\t\t\t\t\n\t\t\t\t<input type=\"hidden\" name=\"mf_form_fields_country_dpo_field\" class=\"mf_form__title conditional_logic mf_form_fields_country_dpo_field\" value=\"\" \/>\n\n\t\t\t\t<!-- Anti-spam field -->\n\t\t\t\t<input type=\"text\" \n\t\t\t\t\tname=\"website_url\" \n\t\t\t\t\tclass=\"mf_field__url\" \n\t\t\t\t\tautocomplete=\"off\"\n\t\t\t\t\ttabindex=\"-1\"\n\t\t\t\t\taria-hidden=\"true\"\n\t\t\t\t\tstyle=\"position:absolute;left:-9999px;width:1px;height:1px;opacity:0;pointer-events:none;\" \n\t\t\t\t\/>\n\t\t\t<\/form>\n\n\t\t\t<div class=\"mf_form__success\" tabindex=\"0\" role=\"alert\">\n\t\t\t\t\t\t\t\t<p>Merci ! Nous avons bien re\u00e7u votre formulaire.\t\t\t\t<\/p>\n\t\t\t<\/div>\n\t\t\t<div class=\"mf_form__errors\">\n\t\t\t\t<p>D\u00e9sol\u00e9, la soumission du formulaire a \u00e9chou\u00e9. Merci de r\u00e9essayer.<\/p>\n\t\t\t<\/div>\n\t\t\t\t<\/div>\n\n\t\t<script>\n\t\t\twindow.MF_CONFIG729746 = {\"729746\":{\"errors\":[],\"redirect\":\"\"}};\n\t\t<\/script>\n\t<\/div><\/div><\/div><\/div><\/div><\/div><\/section><\/div>\n<\/div><\/div><\/div><\/div><\/div><\/section>\n\n\n\n<div class=\"wp-block-anchor-block-standard\" id=\"Highlights\" data-anchor-padding=\"\" style=\"--data-anchor-padding: 0px\"><\/div>\n\n\n\n<section class=\"wp-block-cg-blocks-how-we-do-it section section--howwedoit block-howwedoit\"><div class=\"container\"><div><div class=\"content-title\"><h2 data-maxlength=\"72\" class=\"expandable-heading-tag\">Principaux points clefs<\/h2><\/div><p><\/p><\/div><div class=\"section-content\">\n<div class=\"wp-block-cg-blocks-card-howwedoit expanders\"><div class=\"box card-regulated-agreements card-howwedoit\"><div class=\"expander-box filter-box tag-active opened\"><div class=\"expander-title\" tabindex=\"0\" role=\"button\" aria-pressed=\"true\" aria-expanded=\"true\"><h4>Point clef 1<\/h4><\/div><div class=\"expander-subtitle\"><h5>Le d\u00e9veloppement des infrastructures de paiements digitaux alimente la croissance du volume des transactions autres qu&#8217;en esp\u00e8ces<\/h5><\/div><div class=\"expander-content\"><p>Le volume de ces transactions continuera de cro\u00eetre en moyenne \u00e0 un rythme annuel de 15% entre 2022 et 2027 gr\u00e2ce \u00e0 l&#8217;expansion des schemes de paiement instantan\u00e9, aux initiatives visant \u00e0 mutualiser les infrastructures de paiement entre pays, \u00e0 l&#8217;adoption croissante de la norme ISO20022 et \u00e0 la prolif\u00e9ration de nouveaux instruments de paiement (wallets digitaux, paiements par QR code, virements instantan\u00e9s de compte \u00e0 compte, et plus encore).<\/p><div class=\"bg-color video-align-right\"><div class=\"container\"><div class=\"row video-align-left\"><div class=\"col-md-12\"><div class=\"video-align-left row box box--4 box--mini\"><div class=\"col-md-3\"><\/div><div class=\"col-md-8 box-img-wrapper\"><div class=\"video-box\"><\/div><\/div><\/div><\/div><\/div><\/div><\/div>\n\n<embedded report=\"@capgemini\/wpr23-fig1\"><\/embedded>\n<script src=\"https:\/\/capgemini.rationalbi.com\/d\/embedded\"><\/script>\n\n<div class=\"content-more\"><\/div><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-cg-blocks-card-howwedoit expanders\"><div class=\"box card-regulated-agreements card-howwedoit\"><div class=\"expander-box filter-box tag-active \"><div class=\"expander-title\" tabindex=\"0\" role=\"button\" aria-pressed=\"false\" aria-expanded=\"false\"><h4>Point clef 2<\/h4><\/div><div class=\"expander-subtitle\"><h5>Des co\u00fbts \u00e9lev\u00e9s et des revenus en baisse laissent peu de place \u00e0 l&#8217;innovation<\/h5><\/div><div class=\"expander-content\"><p>La gestion du volume, le changement permanent des r\u00e9glementations et les innovations du secteur ont un co\u00fbt important pour les banques et les acteurs du paiement. De plus, les revenus sont \u00e9galement sous pression, ce qui limite les ressources pour l&#8217;innovation.<\/p><div class=\"bg-color video-align-right\"><div class=\"container\"><div class=\"row video-align-left\"><div class=\"col-md-12\"><div class=\"video-align-left row box box--4 box--mini\"><div class=\"col-md-3\"><\/div><div class=\"col-md-8 box-img-wrapper\"><div class=\"video-box\"><\/div><\/div><\/div><\/div><\/div><\/div><\/div>\n\n<embedded report=\"@capgemini\/wpr23-fig3\"><\/embedded>\n<script src=\"https:\/\/capgemini.rationalbi.com\/d\/embedded\"><\/script>\n\n<div class=\"content-more\"><\/div><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-cg-blocks-card-howwedoit expanders\"><div class=\"box card-regulated-agreements card-howwedoit\"><div class=\"expander-box filter-box tag-active \"><div class=\"expander-title\" tabindex=\"0\" role=\"button\" aria-pressed=\"false\" aria-expanded=\"false\"><h4>Point clef 3<\/h4><\/div><div class=\"expander-subtitle\"><h5>Les entreprises dont les services de cash management sont inefficaces sont plus vuln\u00e9rables aux changements macro-\u00e9conomiques<\/h5><\/div><div class=\"expander-content\"><p>En moyenne, une entreprise multinationale a plus de 27 relations bancaires pour r\u00e9pondre \u00e0 tous ses besoins de tr\u00e9sorerie. Malgr\u00e9 la multiplicit\u00e9 des partenaires bancaires, les entreprises clientes sont confront\u00e9es \u00e0 des d\u00e9fis tout au long de la cha\u00eene de valeur du cash management.<\/p><div class=\"bg-color video-align-right\"><div class=\"container\"><div class=\"row video-align-left\"><div class=\"col-md-12\"><div class=\"video-align-left row box box--4 box--mini\"><div class=\"col-md-3\"><\/div><div class=\"col-md-8 box-img-wrapper\"><div class=\"video-box\"><\/div><\/div><\/div><\/div><\/div><\/div><\/div>\n\n<embedded report=\"@capgemini\/wpr23-fig4\"><\/embedded>\n<script src=\"https:\/\/capgemini.rationalbi.com\/d\/embedded\"><\/script>\n\n<div class=\"content-more\"><\/div><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-cg-blocks-card-howwedoit expanders\"><div class=\"box card-regulated-agreements card-howwedoit\"><div class=\"expander-box filter-box tag-active \"><div class=\"expander-title\" tabindex=\"0\" role=\"button\" aria-pressed=\"false\" aria-expanded=\"false\"><h4>Point clef 4<\/h4><\/div><div class=\"expander-subtitle\"><h5>Adopter une approche \u00e0 plusieurs niveaux pour entretenir des relations strat\u00e9giques avec les entreprises clientes<\/h5><\/div><div class=\"expander-content\"><p>La transformation num\u00e9rique de bout en bout de la banque de transaction n\u00e9cessite un engagement top-down, une planification coh\u00e9rente et un objectif unifi\u00e9 pour les r\u00e9formes structurelles. Les banques et les acteurs du paiement doivent adopter une approche \u00e0 trois niveaux pour surmonter les obstacles h\u00e9rit\u00e9s du pass\u00e9.<\/p><div class=\"bg-color video-align-right\"><div class=\"container\"><div class=\"row video-align-left\"><div class=\"col-md-12\"><div class=\"video-align-left row box box--4 box--mini\"><div class=\"col-md-3\"><\/div><div class=\"col-md-8 box-img-wrapper\"><div class=\"video-box\"><\/div><\/div><\/div><\/div><\/div><\/div><\/div>\n\n<embedded report=\"@capgemini\/wpr23-fig5\"><\/embedded>\n<script src=\"https:\/\/capgemini.rationalbi.com\/d\/embedded\"><\/script>\n\n<div class=\"content-more\"><\/div><\/div><\/div><\/div><\/div>\n<\/div><\/div><\/section>\n\n\n\n<section class=\"wp-block-cg-blocks-call-to-action undefined call-to-action-block is-style-cg-secondary-3\"><div class=\"container\"><div class=\"call-to-action-block-content-wrapper no-description\"><div class=\"text-wrapper no-description\"><h3 class=\"title\" data-maxlength=\"144\">Recevez les World Reports d\u00e8s leur sortie<br><br><\/h3> <\/div><div class=\"button-wrapper no-description\"><a class=\" cta-btn action-valid\" href=\"https:\/\/www.capgemini.com\/fr-fr\/perspectives\/publications\/world-payments-report-2023\/\" target=\"_blank\" rel=\"noopener noreferrer\" aria-label=\"Abonnez-vous A propos Recevez les World Reports d\u00e8s leur sortie\" title=\"Ouvrir dans une nouvelle fen\u00eatre\" data-maxlength=\"24\" tabindex=\"0\"> Abonnez-vous <\/a><\/div><\/div><\/div><\/section>\n\n\n\n<section class=\"wp-block-cg-blocks-wrapper-card-related-capabilities undefined card-related-capability\"><div class=\"cardelatedBgShape\"><\/div><div class=\"container\"><div class=\"contentTitle\"><h2 data-maxlength=\"34\" class=\"capabilities-heading\"><br>Notre expertise sectorielle<\/h2><\/div><div class=\"row\">\n<div class=\"wp-block-cg-blocks-card-related-capabilities col-md-4 gridbox card-block\"><div class=\"box box--1 capblock\"><div class=\"box-img-wrapper\"><div class=\"img-ratio\"><img decoding=\"async\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2021\/12\/Capgemini_Industries_Capital-Markets_Cards-and-payments_2.jpg?w=500&amp;quality=70\" srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2021\/12\/Capgemini_Industries_Capital-Markets_Cards-and-payments_2.jpg?w=500&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2021\/12\/Capgemini_Industries_Capital-Markets_Cards-and-payments_2.jpg?w=1000&amp;quality=70 2x\" class=\"box-img\" alt=\"\" style=\"object-fit:cover;object-position:50% 50%\" loading=\"lazy\"\/><\/div><\/div><div class=\"box-inner\"><a class=\"box-title\" aria-label=\"Paiements\" href=\"https:\/\/www.capgemini.com\/fr-fr\/secteurs\/marches-bancaires-et-financiers\/cartes-et-paiements\/\" target=\"\" rel=\"noopener noreferrer\"><h4>Paiements<\/h4><\/a><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-cg-blocks-card-related-capabilities col-md-4 gridbox card-block\"><div class=\"box box--1 capblock\"><div class=\"box-img-wrapper\"><div class=\"img-ratio\"><img decoding=\"async\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2021\/08\/Capgemini_Industries_Capital-Markets.jpg?w=500&amp;quality=70\" srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2021\/08\/Capgemini_Industries_Capital-Markets.jpg?w=500&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2021\/08\/Capgemini_Industries_Capital-Markets.jpg?w=1000&amp;quality=70 2x\" class=\"box-img\" alt=\"\" style=\"object-fit:cover;object-position:50% 50%\" loading=\"lazy\"\/><\/div><\/div><div class=\"box-inner\"><a class=\"box-title\" aria-label=\"March\u00e9s bancaires et financiers\" href=\"https:\/\/www.capgemini.com\/fr-fr\/secteurs\/marches-bancaires-et-financiers\/\" target=\"\" rel=\"noopener noreferrer\"><h4>March\u00e9s bancaires et financiers<\/h4><\/a><\/div><\/div><\/div>\n<\/div><\/div><\/section>\n\n\n\n<section class=\"wp-block-cg-blocks-how-we-do-it section section--howwedoit block-howwedoit\"><div class=\"container\"><div class=\"section-content\">\n<div class=\"wp-block-cg-blocks-card-howwedoit expanders\"><div class=\"box card-regulated-agreements card-howwedoit\"><div class=\"expander-box filter-box tag-active \"><div class=\"expander-title\" tabindex=\"0\" role=\"button\" aria-pressed=\"false\" aria-expanded=\"false\"><h3 class=\"expander-heading-title\">Nos pr\u00e9c\u00e9dents World Payments Reports<\/h3><\/div><div class=\"expander-content\"><p><a href=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/08\/WPR-2022.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">World Payments Report 2022<\/a><br><a href=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/08\/World-Payments-Report_2021_Web.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">World Payments Report 2021<\/a><\/p><div class=\"bg-color video-align-right\"><div class=\"container\"><div class=\"row video-align-left\"><div class=\"col-md-12\"><div class=\"video-align-left row box box--4 box--mini\"><div class=\"col-md-3\"><\/div><div class=\"col-md-8 box-img-wrapper\"><div class=\"video-box\"><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"content-more\"><\/div><\/div><\/div><\/div><\/div>\n<\/div><\/div><\/section>\n","protected":false},"excerpt":{"rendered":"<p>O\u00f9 est le cash ? Acc\u00e9l\u00e9rer la transformation du cash management des entreprises pour cr\u00e9er de la valeur<\/p>\n","protected":false},"author":81,"featured_media":0,"template":"","meta":{"cg_dt_proposed_to":[],"cg_seo_hreflang_relations":"[]","cg_seo_canonical_relation":"","cg_seo_hreflang_x_default_relation":"{\"uuid\":\"efe297f0-6112-4898-b039-9bfb31ab830e\",\"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":"This is a new page on global (was formerly outside the global site)","cg_dg_source_changed":true,"cg_dt_link_disabled":false,"footnotes":"","related_resource_url":"","related_resource_id":0,"related_resource_size":"","related_resource_type":"","cg_author":0,"_yoast_wpseo_primary_theme":203,"primary_term":"Services Financiers","featured_focal_points":""},"tags":[223],"research-and-insight-type":[64,202,172],"theme":[203],"brand":[166],"service":[],"industry":[204],"partners":[],"content-group":[],"class_list":["post-700437","research-and-insight","type-research-and-insight","status-publish","hentry","tag-banque","research-and-insight-type-cri-report","research-and-insight-type-publications-services-financiers","research-and-insight-type-rapport","theme-services-financiers","brand-capgemini-research-institute","industry-banques"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.7 (Yoast SEO v27.8) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>World payments report 2023 - Capgemini Canada French<\/title>\n<meta name=\"description\" content=\"O\u00f9 est le cash ? 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