{"id":628578,"date":"2021-09-28T08:10:22","date_gmt":"2021-09-28T08:10:22","guid":{"rendered":"https:\/\/www.capgemini.com\/?page_id=628578"},"modified":"2026-01-14T09:21:13","modified_gmt":"2026-01-14T08:21:13","slug":"pret","status":"publish","type":"page","link":"https:\/\/www.capgemini.com\/fr-fr\/secteurs\/marches-bancaires-et-financiers\/pret\/","title":{"rendered":"Pr\u00eat"},"content":{"rendered":"\n<div class=\"wp-block-cg-blocks-hero-picture-card undefined  heroPictureCard\"><div class=\"heroPictureCardBgs\"><picture><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2021\/12\/Capgemini_Industries_Capital-Markets_Lending_2.jpg?w=2880&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2021\/12\/Capgemini_Industries_Capital-Markets_Lending_2.jpg?w=2880&amp;quality=70 2x\" media=\"(min-width: 1500px)\"\/><source 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class=\"col-md-8 col-lg-6\"><div class=\"heroPictureCardBox\"><div class=\"heroPictureCardBoxTitle\"><h1 data-maxlength=\"144\">Pr\u00eat<\/h1><\/div><\/div><\/div><\/div><\/div><div class=\"small-device\"><div class=\"brandLogoWrapper\"> <\/div><\/div><\/div>\n\n\n\n<section class=\"wp-block-cg-blocks-intro-para undefined section section--intro\"><div class=\"intro-para\"><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\/fr-fr\/secteurs\/marches-bancaires-et-financiers\/pret\/\" 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-li\"><a href=\"https:\/\/www.linkedin.com\/sharing\/share-offsite\/?url=https:\/\/www.capgemini.com\/fr-fr\/secteurs\/marches-bancaires-et-financiers\/pret\/\" 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\"><h2 class=\"intro-para-title\">Les pr\u00eateurs, enfants du num\u00e9rique et du nouvel \u00e2ge, ont renforc\u00e9 les attentes des emprunteurs. Lib\u00e9r\u00e9s du fardeau des technologies h\u00e9rit\u00e9es, ils peuvent rapidement fournir des propositions client sup\u00e9rieures et innovantes. Et les pr\u00eateurs traditionnels ont du mal \u00e0 suivre le rythme.<\/h2><p class=\"intro-para-content\">Pour faire face \u00e0 l\u2019\u00e9volution de l\u2019environnement macro\u00e9conomique, les entreprises de pr\u00eat aux particuliers et aux entreprises doivent r\u00e9inventer leurs mod\u00e8les d\u2019affaires. Nous vous aidons \u00e0 cr\u00e9er une exp\u00e9rience de pr\u00eat transparente pour vos clients, de l\u2019int\u00e9gration au service, en cr\u00e9ant des op\u00e9rations num\u00e9riques agiles et \u00e9volutives. Nous veillons \u00e0 ce que vous tiriez le meilleur parti de vos donn\u00e9es, avec des informations puissantes qui vous permettent de g\u00e9rer efficacement les risques et de cr\u00e9er des solutions sur mesure pour vos clients.<\/p><\/div><\/div><\/div><\/div><\/section>\n\n\n\n\t\t<section\n\t\t\tclass=\"section section--lifeatcap-learning section--event-slider-careerInvent \">\n\n\t\t\t<div class=\"container\">\n\t\t\t\t<div class='career-invent-header'>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"slider slider-fader 5e0ad0ba-63d9-40b5-84fc-ffb778e10fec\">\n\t\t\t\t\t\t\t\t<div\n\t\t\t\t\tclass=\"slider-list \">\n\t\t\t\t\t\t\t\t\t\t\t<div\n\t\t\t\t\t\t\tclass=\"slide active \">\n\t\t\t\t\t\t\t<div\n\t\t\t\t\t\t\t\tclass=\"slide-bg-wrapper wp-block-cg-blocks-career-invent \">\n\t\t\t\t\t\t\t\t<div class=\"bgImagesection\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"bgColor\"><\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"container slide-info-wrapper\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"row\">\n\t\t\t\t\t\t\t\t\t\t\t<div\n\t\t\t\t\t\t\t\t\t\t\t\tclass=\"col-md-6 col-sm-12 box-inner \">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"bgColor\"><\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tclass=\"content-title \">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"explore-header\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tdata-maxlength=\"68\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\ttitle=\"Top Trends 2026 - Banking\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tTop Trends 2026 &#8211; Banking\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tclass=\"box-title \">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h4 data-maxlength=\"144\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\ttitle=\"Explorez notre cahier de tendances pour comprendre comment transformer les d\u00e9fis du secteur en avantage concurrentiel durable.\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tstyle=\"white-space: pre-wrap;\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tExplorez notre cahier de tendances pour comprendre comment transformer les d\u00e9fis du secteur en avantage concurrentiel durable.\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/h4>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div >\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"btnDiv\"> <a class=\"more2\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tdata-maxlength=\"24\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\taria-label=\"En savoir plus A propos Top Trends 2026 - Banking\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\ttitle=\"Opens in new window\" tabindex=\"0\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\thref=\"https:\/\/www.capgemini.com\/fr-fr\/perspectives\/publications\/top-trends-2026-banking\/\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\ttarget=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tEn savoir plus\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/a> <\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\n\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"col-md-6 col-sm-12 text-right box-img-wrapper escaper escaper-right\">\n\t\t\t\t\t\t\t\t\t\t\t\t\n\n\t\t\t\t\t\t\t\t\t\t\t\t<picture>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<source\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tsrcset=\"https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2026\/01\/Banking-trends-web-banner.jpeg?w=1200&amp;quality=90 1x, https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2026\/01\/Banking-trends-web-banner.jpeg?w=1200&amp;quality=90 2x\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 1500px)\" \/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<source\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tsrcset=\"https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2026\/01\/Banking-trends-web-banner.jpeg?w=600&amp;quality=90 1x, https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2026\/01\/Banking-trends-web-banner.jpeg?w=1200&amp;quality=90 2x\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 992px)\" \/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<source\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tsrcset=\"https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2026\/01\/Banking-trends-web-banner.jpeg?w=400&amp;quality=90 1x, https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2026\/01\/Banking-trends-web-banner.jpeg?w=800&amp;quality=90 2x\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 768px)\" \/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<source\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tsrcset=\"https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2026\/01\/Banking-trends-web-banner.jpeg?w=400&amp;quality=90 1x, https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2026\/01\/Banking-trends-web-banner.jpeg?w=800&amp;quality=90 2x\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 0)\" \/>\n\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" class=\"box-img\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tsrc=\"https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2026\/01\/Banking-trends-web-banner.jpeg\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tstyle=\"object-position: 50% 50%; object-fit: cover;\" alt=\"\" \/>\n\n\t\t\t\t\t\t\t\t\t\t\t\t<\/picture>\n\t\t\t\t\t\t\t\t\t\t\t\t<!-- <img decoding=\"async\" class=\"box-img\" src=\"\"\n\t\t\t\t\t\t\t\t\t\t\tstyle=\"\" alt=\"\"\n\t\t\t\t\t\t\t\t\t\t\/> -->\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"\">\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"slide-reveal\"><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\n\t\t\t\t<\/div>\n\n\t\t\t\t\n\t\t\t<\/div>\n\n\t\t<\/section>\n\n\t\t\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\">Notre expertise<\/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 \"><div class=\"expander-title\" tabindex=\"0\" role=\"button\" aria-pressed=\"false\" aria-expanded=\"false\"><h3 class=\"expander-heading-title\">Traitement cognitif des documents pour le pr\u00eat<\/h3><\/div><div class=\"expander-subtitle\"><p class=\"small-description\">Automatisez le traitement de vos documents pour offrir une exp\u00e9rience de pr\u00eat fluide en temps r\u00e9el \u00e0 vos clients.<\/p><\/div><div class=\"expander-content\"><p>Le traitement des documents de pr\u00eat, souvent effectu\u00e9 manuellement, peut \u00eatre co\u00fbteux et chronophage pour les pr\u00eateurs.<br><br>Cognitive Document Processing de Capgemini est une solution enti\u00e8rement g\u00e9r\u00e9e qui ing\u00e8re, classe et \u00e9value les documents rapidement, en toute s\u00e9curit\u00e9 et \u00e0 moindre co\u00fbt. Elle est optimis\u00e9e par des algorithmes de pointe associ\u00e9s au machine learning et \u00e0 l\u2019intelligence artificielle (IA) pour am\u00e9liorer la souscription de cr\u00e9dit, l\u2019int\u00e9gration des clients et le service.<\/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\"><a class=\"more2\" aria-label=\"T\u00e9l\u00e9chargez la brochure link\" href=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2021\/09\/Cognitive-Document-Prcoessing-Bankingand-Capmkts-Brochure.pdf\" target=\"_blank\" title=\"Opens in a new window\" rel=\"noopener noreferrer\">T\u00e9l\u00e9chargez la brochure<\/a><\/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>Pr\u00eats aux entreprises num\u00e9riques<\/h4><\/div><div class=\"expander-subtitle\"><h5>Nous proposons des parcours de cr\u00e9dit personnalis\u00e9s pour vos clients, via des plateformes nouvelle g\u00e9n\u00e9ration d\u2019octroi et de service de pr\u00eats.<\/h5><\/div><div class=\"expander-content\"><p>En raison des mod\u00e8les d\u2019exploitation disparates, des processus manuels, du renouvellement des cl\u00e9s des donn\u00e9es et de la technologie fragment\u00e9e, il est difficile de proposer une exp\u00e9rience de pr\u00eat transparente aux clients commerciaux. De plus, l\u2019absence d\u2019une vue client unique augmente le risque op\u00e9rationnel et complique la gestion des portefeuilles de risques.<br><br>Nous vous aidons \u00e0 cr\u00e9er des solutions num\u00e9riques, des flux de travail de cr\u00e9dit personnalis\u00e9s, une gestion de contenu d\u2019entreprise et des fonctionnalit\u00e9s de rapport instantan\u00e9 couvrant tous les secteurs d\u2019activit\u00e9.<br><br>Nos services comprennent la d\u00e9couverte de la valeur d\u2019octroi de pr\u00eats et la mise en \u0153uvre de la plateforme d\u2019octroi de pr\u00eats avec nCINO.<\/p><div class=\"content-more\"><a class=\"more2\" aria-label=\"D\u00e9couvrez nCINO link\" href=\"https:\/\/www.ncino.com\/\" target=\"_blank\" title=\"Ouvrir dans une nouvelle fen\u00eatre\" rel=\"noopener noreferrer\">D\u00e9couvrez nCINO<\/a><\/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\"><h3 class=\"expander-heading-title\">Transformation des pr\u00eats avec Pega<\/h3><\/div><div class=\"expander-subtitle\"><p class=\"small-description\">Nous aidons les institutions financi\u00e8res \u00e0 repenser leurs processus de pr\u00eats immobilier, de vente au d\u00e9tail et aux entreprises afin d\u2019assurer une exp\u00e9rience de pr\u00eat engageante, pertinente et personnalis\u00e9e.<\/p><\/div><div class=\"expander-content\"><p>Gr\u00e2ce \u00e0 la solution de pr\u00eat de Capgemini et Pega, les organisations financi\u00e8res peuvent transformer leur processus d\u2019octroi de pr\u00eats dans les secteurs de la vente au d\u00e9tail, des entreprises et des pr\u00eats immobiliers. Gr\u00e2ce \u00e0 une plateforme d\u2019exp\u00e9rience client omnicanale et \u00e0 la gestion dynamique des cas de Pega avec un centre de d\u00e9cision de cr\u00e9dit en son c\u0153ur, les entreprises peuvent prot\u00e9ger le bien-\u00eatre financier de leurs clients tout en offrant une exp\u00e9rience coh\u00e9rente et transparente sur tous les canaux.\u00a0<br><br>Nos services comprennent\u00a0:<br><br>\u2022 Une feuille de route pour la transformation de l\u2019octroi des pr\u00eats et l\u2019\u00e9valuation de la priorisation<br>\u2022 Une refonte de r\u00e8gles m\u00e9tier complexes<br>\u2022 L\u2019orchestration des processus<br>\u2022 L\u2019harmonisation des processus et des r\u00e8gles d\u2019affaires entre plusieurs entit\u00e9s<br>\u2022 Le renouvellement des capacit\u00e9s h\u00e9rit\u00e9es via des API et des services m\u00e9tier<br>\u2022 L\u2019orchestration du flux de travail<\/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\n\n<section class=\"latest-insights layout-even layout-even-all-purple-cards \"><div class=\"container\"><div class=\"insight-title\"><h2 class=\"latest-insight-title\">Publications<\/h2><\/div><div class=\"layout-two-card cards-normal\">\n                                <div class=\"row align-items-center\"><div class=\"card-image-wrapper\">\n                                <div class=\"card-image\" data-image-url=\"https:\/\/www.capgemini.com\/fr-fr\/perspectives\/publications\/top-trends-2025-banking\/\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<picture>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/12\/Banking_Capcom-Banner_2880x1800px.jpg?w=800&#038;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/12\/Banking_Capcom-Banner_2880x1800px.jpg?w=800&#038;quality=70 2x\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 1500px)\"\/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/12\/Banking_Capcom-Banner_2880x1800px.jpg?w=800&#038;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/12\/Banking_Capcom-Banner_2880x1800px.jpg?w=800&#038;quality=70 2x\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 992px)\"\/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/12\/Banking_Capcom-Banner_2880x1800px.jpg?w=800&#038;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/12\/Banking_Capcom-Banner_2880x1800px.jpg?w=800&#038;quality=70 2x\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 768px)\"\/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/12\/Banking_Capcom-Banner_2880x1800px.jpg?w=350&#038;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/12\/Banking_Capcom-Banner_2880x1800px.jpg?w=700&#038;quality=70 2x\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 0)\"\/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/12\/Banking_Capcom-Banner_2880x1800px.jpg\" alt=\"\" style=\"object-position: 50% 50%; object-fit: cover;\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/picture>\n                                <\/div>\n                            <\/div><div class=\"col-12 col-lg-4 d-md-none d-lg-block\"><\/div><div class=\"col-12 col-md-6 col-lg-4\">\n                           <a href=\"https:\/\/www.capgemini.com\/fr-fr\/perspectives\/publications\/top-trends-2025-banking\/\" aria-label=\"Top trends 2025 - Banking\" class=\"card-link-holder\">\n                            <div class=\"insight-card insight-card-center\">\n                                <div class=\"card-tag\">Banques<\/div>\n                                <h3 class=\"card-title\">Top trends 2025 &#8211; Banking<\/h3>\n                                <div class=\"insight-card-footer\">\n                                    <img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/fr-fr\/wp-content\/themes\/capgemini2025\/assets\/images\/capgemini-research-institute.svg\" alt=\"capgemini-research-institute\" class=\"light\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/fr-fr\/wp-content\/themes\/capgemini2025\/assets\/images\/capgemini-research-institute-white.svg\" alt=\"capgemini-research-institute\" class=\"dark\">\n                                <\/div>\n                            <\/div>\n                            <\/a>\n                        <\/div>\n                    <div class=\"col-12 col-md-6 col-lg-4\">\n                            <a href=\"https:\/\/www.capgemini.com\/fr-fr\/perspectives\/publications\/credit-revolutionne-par-la-donnee\/\" aria-label=\"Le cr\u00e9dit r\u00e9volutionn\u00e9 par la donn\u00e9e. \u00cates-vous pr\u00eat ?\" class=\"card-link-holder\">\n                            <div class=\"insight-card insight-card-start\">\n                                <div class=\"card-tag\">Banques<\/div>\n                                <h3 class=\"card-title\">Le cr\u00e9dit r\u00e9volutionn\u00e9 par la donn\u00e9e. \u00cates-vous pr\u00eat ?<\/h3>\n                                <div class=\"insight-card-footer\">\n                                    <img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/fr-fr\/wp-content\/themes\/capgemini2025\/assets\/images\/capgemini-invent-white.svg\" alt=\"capgemini-invent\" class=\"light\">\n                                    <img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/fr-fr\/wp-content\/themes\/capgemini2025\/assets\/images\/capgemini-invent-white.svg\" alt=\"capgemini-invent\" class=\"dark\">\n                                <\/div>\n                            <\/div>\n                            <\/a>\n                        <\/div>\n                    <\/div>\n                    <\/div><\/div><\/section>\n\n\n<section class=\"wp-block-cg-blocks-wrapper-partners section--partners-core undefined section section--partners-small\"><div class=\"container\"><div class=\"content-title\"><h2 class=\"partner-heading\">Partenaires<\/h2><\/div><div class=\"row\">\n<div class=\"col-6 col-md-4 col-lg-2 small\">\n            <a href=\"https:\/\/www.capgemini.com\/fr-fr\/notre-groupe\/partenaires-technologiques\/pega\/\" class=\"partner-box-title\" aria-label=\"Prenez des d\u00e9cisions \u00e9clair\u00e9es et am\u00e9liorez l\u2019exp\u00e9rience client.\">\n        <div class=\"partner-box\">\n                                                     <div class=\"partner-box-bottom\">\n                        <img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/07\/pega.png?w=350&#038;quality=70\" alt=\"\" class=\"partner-box-logo light\">\n\n                                                    <img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2025\/10\/Partners-pega.png?w=350&#038;quality=70\" alt=\"\" class=\"partner-box-logo dark\">\n\n                            \n                    <\/div>\n                                                    <\/div>\n            <\/a>\n    <\/div>\n\n<\/div><\/div><\/section>\n","protected":false},"excerpt":{"rendered":"<p>Nous vous aidons \u00e0 cr\u00e9er une exp\u00e9rience de pr\u00eat transparente pour vos clients, de leur adh\u00e9sion au service, en cr\u00e9ant des op\u00e9rations num\u00e9riques agiles et \u00e9volutives.<\/p>\n","protected":false},"author":76,"featured_media":686404,"parent":637937,"menu_order":7,"comment_status":"closed","ping_status":"closed","template":"","meta":{"cg_dt_proposed_to":[21],"cg_seo_hreflang_relations":"[]","cg_seo_canonical_relation":"","cg_seo_hreflang_x_default_relation":"{\"uuid\":\"ad724e18-161a-4831-a242-8897b0c858d1\",\"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":true,"_yoast_wpseo_primary_brand":"","footnotes":"","featured_focal_points":"","partner_card_description":"","gsap_animation":0},"brand":[],"partner_type":[],"service":[],"industry":[27],"partners":[],"page-type":[132],"content-group":[],"class_list":["post-628578","page","type-page","status-publish","has-post-thumbnail","hentry","industry-banques","page-type-secteurs"],"yoast_head":"<!-- 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