{"id":763791,"date":"2024-10-03T16:37:45","date_gmt":"2024-10-03T14:37:45","guid":{"rendered":"https:\/\/www.capgemini.com\/fr-fr\/?p=763791"},"modified":"2025-03-04T06:39:13","modified_gmt":"2025-03-04T05:39:13","slug":"les-monnaies-numeriques-de-banque-centrale-mnbc","status":"publish","type":"post","link":"https:\/\/www.capgemini.com\/fr-fr\/perspectives\/blog\/innovation-monnaies-numeriques-de-banque-centrale-mnbc\/","title":{"rendered":"Les Monnaies Num\u00e9riques de Banque Centrale (MNBC)"},"content":{"rendered":"\n<header class=\"wp-block-cg-blocks-hero-blogs header-hero-blogs\"><div class=\"container\"><div class=\"hero-blogs\"><div class=\"hero-blogs-content-wrapper\"><div class=\"row\"><div class=\"col-12\"><div class=\"header-title\"><h1>Les Monnaies Num\u00e9riques de Banque Centrale (MNBC)\u00a0<\/h1><\/div><\/div><\/div><\/div><div class=\"hero-blogs-bottom\"><div class=\"header-author\"><div class=\"author-img\"><img decoding=\"async\" src=\"https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2024\/06\/cg-logo.png?w=200&amp;quality=10\" alt=\"\" loading=\"lazy\"\/><\/div><div class=\"author-name-date\"><h5 class=\"author-name\"> Adil Hihi, Manon Briole, Charles Beaurepaire &amp; Louise Torres <\/h5><h5 class=\"blog-date\">3 octobre 2024<\/h5><\/div><\/div><div class=\"brand-image\"><img decoding=\"async\" loading=\"lazy\" src=\"\/wp-content\/themes\/capgemini2020\/assets\/images\/capgemini-invent-white.svg\" alt=\"capgemini-invent\"\/><\/div><\/div><\/div><\/div><\/header>\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\/perspectives\/blog\/innovation-monnaies-numeriques-de-banque-centrale-mnbc\/\" 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\/perspectives\/blog\/innovation-monnaies-numeriques-de-banque-centrale-mnbc\/\" 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\">D\u00e9crypter les enjeux de la monnaie num\u00e9rique de demain<\/h2><p class=\"intro-para-content\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-black-color\">Les banques centrales multiplient les \u00e9tudes et initiatives de monnaies num\u00e9riques, tant\u00f4t adoss\u00e9es \u00e0 des syst\u00e8mes technologiques innovants comme la blockchain, tant\u00f4t par des prismes plus traditionnels et centralis\u00e9s. Nous vous proposons dans cet article de d\u00e9crypter les principaux enjeux et implications de ces MNBC.<\/mark><\/p><\/div><\/div><\/div><\/div><\/section>\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-11 col-lg-10 offset-md-1 offset-lg-1\"><div class=\"article-text article-quote-text\">\n<h3 class=\"wp-block-heading\" id=\"h-les-mnbc-nbsp-un-nouveau-souffle-pour-les-moyens-de-paiement\"><strong>Les MNBC&nbsp;: un nouveau souffle pour les moyens de paiement<\/strong><\/h3>\n\n\n\n<p>Dans un monde o\u00f9 les \u00e9changes financiers se transforment \u00e0 une vitesse vertigineuse, la demande pour des <strong>solutions mon\u00e9taires num\u00e9riques <\/strong>ne cesse de s\u2019accentuer. Pour citer un exemple, <a href=\"https:\/\/www.banque-france.fr\/fr\/publications-et-statistiques\/publications\/en-2022-la-carte-bancaire-est-restee-le-moyen-de-paiement-central-dans-les-depenses-du-quotidien-en#:~:text=Banque%20de%20France-,En%202022%2C%20la%20carte%20bancaire%20est%20rest%C3%A9e%20le%20moyen%20de,d%C3%A9penses%20du%20quotidien%20en%20France\">en 2022, le paiement par carte depuis un t\u00e9l\u00e9phone a progress\u00e9 de +137%<\/a>.<\/p>\n\n\n\n<p>C\u2019est dans ce contexte que les Monnaies Num\u00e9riques de Banque Centrale (MNBC, ou en anglais CBDC) se positionnent comme (r)\u00e9volution majeure. Les MNBC sont de nouvelles formes de <strong>monnaies digitales<\/strong> \u00e9mises et r\u00e9gul\u00e9es par les banques centrales nationales. On distingue aujourd\u2019hui la MNBC dite de d\u00e9tail (<em>retail<\/em>) accessible au grand public, de la MNBC interbancaire (<em>wholesale<\/em>), accessible uniquement aux banques. Dans cette analyse, nous nous concentrerons sur <strong>les MNBC de d\u00e9tail<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-les-premieres-experimentations-de-mnbc-de-detail-a-travers-le-monde\"><strong>Les premi\u00e8res exp\u00e9rimentations de MNBC de d\u00e9tail \u00e0 travers le monde<\/strong><\/h3>\n\n\n\n<p>Les monnaies num\u00e9riques de banque centrale (MNBC) suscitent un int\u00e9r\u00eat mondial croissant, avec des projets lanc\u00e9s dans divers pays. Parmi les pionniers, les Bahamas ont introduit le Sand Dollar en 2019, devenant ainsi le premier MNBC l\u00e9galement reconnu en 2020. En Chine, le projet pilote de l&#8217;e-CNY a \u00e9t\u00e9 lanc\u00e9 en 2019 et est en circulation depuis 2021, devenant rapidement un leader avec des transactions estim\u00e9es \u00e0 <a href=\"https:\/\/investir.lesechos.fr\/marches-indices\/bitcoin-cryptomonnaies\/chine-les-transactions-en-yuan-numerique-progressent-banque-centrale-1963336\">1800 milliards de yuans en juin 2023<\/a>, soit 234 milliards d\u2019euros.<\/p>\n\n\n\n<p>Un autre exemple est celui de la Russie, qui, suite au lancement d\u2019un <a href=\"https:\/\/www.ledgerinsights.com\/russia-expects-cbdc-to-take-5-7-years-to-scale-starting-2025-earliest\/\">pilote du rouble num\u00e9rique en ao\u00fbt 2023, anticipe une mont\u00e9e \u00e0 l\u2019\u00e9chelle de cette monnaie \u00e0 partir de 2025<\/a>, malgr\u00e9 un contexte de sanction limitant le commerce transfrontalier.<\/p>\n\n\n\n<p>Enfin, c\u2019est l\u2019Union Europ\u00e9enne qui se tourne maintenant vers le projet de l\u2019<strong>euro num\u00e9rique<\/strong>, un projet en investigation depuis 2021, visant \u00e0 moderniser les <strong>syst\u00e8mes financiers<\/strong> tout en pr\u00e9servant la<strong> stabilit\u00e9 de l&#8217;euro<\/strong>. Le projet est actuellement en phase de pr\u00e9paration (approfondissement des \u00e9tudes, alignement avec le cadre r\u00e8glementaire, \u2026 ) <a href=\"https:\/\/www.banque-france.fr\/fr\/strategie-monetaire\/moyens-de-paiement\/leuro-numerique\">depuis novembre 2023, et est pr\u00e9vu pour atterrissage en 2026<\/a>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-les-implications-de-la-mnbc-pour-les-particuliers\">Les implications de la MNBC pour les particuliers<\/h3>\n\n\n\n<p>Pour acc\u00e9der \u00e0 la <strong>monnaie num\u00e9rique<\/strong> de sa <strong>banque centrale<\/strong>, le particulier devra proc\u00e9der \u00e0 l\u2019ouverture d\u2019un compte d\u00e9di\u00e9 au sein de sa banque ou directement aupr\u00e8s de la banque centrale, selon le mod\u00e8le de gouvernance d\u00e9fini.<\/p>\n\n\n\n<p>Disposer de cette monnaie num\u00e9rique est une alternative \u00e0 la monnaie fiduciaire. Elle garantira notamment au citoyen une meilleure efficacit\u00e9 dans ses <strong>transactions internationales <\/strong>aujourd\u2019hui soumises \u00e0 certaines limites (lenteurs, interm\u00e9diaires, frais) \u2013 l\u2019arriv\u00e9e prochaine de Wero au niveau europ\u00e9en devrait notamment combler une partie de ces manques. Par ailleurs, pour certains projets de monnaies num\u00e9riques, les <strong>paiements hors ligne <\/strong>seront possibles, ce qui constitue une grande avanc\u00e9e compar\u00e9e \u00e0 l\u2019utilisation actuelle des moyens de <strong>paiement num\u00e9riques<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-des-impacts-non-negligeables-a-anticiper-pour-les-acteurs-financiers\">Des impacts non n\u00e9gligeables, \u00e0 anticiper pour les acteurs financiers<\/h3>\n\n\n\n<p>Pour les acteurs financiers, l\u2019adoption d\u2019une MNBC devrait engendrer de grands bouleversements en termes d\u2019organisation, de gouvernance, de concurrence mais aussi d\u2019infrastructures technologiques, selon le mod\u00e8le de distribution choisi. Aujourd\u2019hui, 3 mod\u00e8les de distributions se distinguent pour les MNBC&nbsp;:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Le mod\u00e8le direct<\/strong>, dans lequel les banques centrales prennent en charge l\u2019ensemble des actions li\u00e9es \u00e0 la distribution des monnaies num\u00e9riques et en portent les responsabilit\u00e9s&nbsp;;<\/li>\n\n\n\n<li><strong>Le mod\u00e8le indirect<\/strong>, dans lequel les banques centrales externalisent certaines actions aux banques commerciales ou aux fournisseurs de solutions de paiement, au plus proche du mod\u00e8le traditionnel que nous connaissons&nbsp;;<\/li>\n\n\n\n<li><strong>Le mod\u00e8le hybride<\/strong>, dans lequel les banques centrales et solutions de paiement \u00e9mettent les monnaies digitales support\u00e9es par la banque centrale, permettant une transition graduelle et offrant davantage de flexibilit\u00e9.<\/li>\n<\/ul>\n\n\n\n<div style=\"height:68px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-image aligncenter size-full\"><a href=\"https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2024\/10\/image-de-larticle.png\"><img loading=\"lazy\" decoding=\"async\" width=\"515\" height=\"477\" src=\"https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2024\/10\/image-de-larticle.png\" alt=\"\" class=\"wp-image-763805\" srcset=\"https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2024\/10\/image-de-larticle.png 515w, https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2024\/10\/image-de-larticle.png?resize=300,278 300w\" sizes=\"auto, (max-width: 515px) 100vw, 515px\" \/><\/a><\/figure>\n\n\n\n<div style=\"height:83px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>Quel que soit le mod\u00e8le de distribution choisi, les banques commerciales devront en effet se r\u00e9inventer pour accueillir <strong>la nouvelle monnaie<\/strong> dans leurs syst\u00e8mes et organisations existants. Si les plateformes technologiques des MNBC sont toujours en cours d\u2019\u00e9tude et de conception, <a href=\"https:\/\/www.capgemini.com\/insights\/research-library\/building-central-bank-digital-currency\/\">les technologies d\u00e9centralis\u00e9es apparaissent aujourd\u2019hui comme les solutions les plus s\u00e9rieuses<\/a>&nbsp;pour r\u00e9pondre aux ambitions de s\u00e9curit\u00e9, de tra\u00e7abilit\u00e9 et de transparence, dans un contexte o\u00f9 les cadres r\u00e9glementaires europ\u00e9ens \u00e9voluent (FIDA, Dora &amp; DSP3). Ce choix de <strong>d\u00e9centralisation <\/strong>pourrait ainsi constituer une r\u00e9volution majeure pour les banques qui devront alors se transformer pour poser les jalons d\u2019un avenir CeDeFi (Centralized Decentralized Finance), o\u00f9 pourront cohabiter services financiers traditionnels et nouveaux services issus de la DeFi.<\/p>\n\n\n\n<p>Cependant, malgr\u00e9 les promesses, l\u2019engouement des banques reste aujourd\u2019hui limit\u00e9 pour les MNBC de d\u00e9tail, car cette transformation pourrait d\u00e9tourner certains actifs (d\u00e9p\u00f4ts) vers la Banque centrale directement. En revanche, les banques commerciales s\u2019int\u00e9ressent de pr\u00e8s aux MNBC dits interbancaires (wholesales) comme en t\u00e9moignent certaines exp\u00e9rimentations r\u00e9centes \u00e0 ce sujet (exemple&nbsp;: <a href=\"https:\/\/wholesale.banking.societegenerale.com\/fr\/actus-opinions\/toutes-publications\/news-details\/news\/cbdcs-additional-means-payment-store-value\/\">SG Forge pour BEI<\/a>).<\/p>\n\n\n\n<p>Au-del\u00e0 des banques, c\u2019est l\u2019ensemble de la cha\u00eene de paiement qui est concern\u00e9e. Fournisseurs de moyens de paiements, commer\u00e7ants et entreprises devront alors \u00e9toffer leurs offres pour garantir l\u2019acceptation de ce nouveau type de monnaie, en mettant en place des supports ou portefeuilles num\u00e9riques adapt\u00e9s. En simplifiant les <strong>paiements transfrontaliers<\/strong>, en <strong>automatisant <\/strong>les processus de r\u00e8glement et en offrant une <strong>tra\u00e7abilit\u00e9 accrue<\/strong>, les MNBC permettront ainsi une meilleure efficacit\u00e9 op\u00e9rationnelle ainsi qu\u2019une r\u00e9duction des risques de fraude ou de blanchiment d\u2019argent entre autres.<\/p>\n\n\n\n<p>Enfin, les banques centrales, qui seront manifestement \u00e0 l\u2019impulsion de ces <strong>nouvelles monnaies<\/strong>, pourront utiliser les MNBC pour mieux contr\u00f4ler la masse mon\u00e9taire et suivre plus facilement les transactions effectu\u00e9es. Les MNBC leur permettront ainsi de faciliter la mise en \u0153uvre de politiques mon\u00e9taires et fiscales plus efficaces, au-del\u00e0 des avantages cit\u00e9s plus haut.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-conclusion\">Conclusion<\/h2>\n\n\n\n<p>Bien que leur \u00e9mergence suscite aujourd\u2019hui des r\u00e9flexions et interrogations profondes qui ralentissent leur d\u00e9ploiement, les <strong>Monnaies Num\u00e9riques de Banque Centrale<\/strong> (MNBC) semblent ouvrir la voie \u00e0 un <strong>avenir financier digitalis\u00e9<\/strong>, <strong>inclusif <\/strong>et <strong>transparent<\/strong>. Elles offrent de nouvelles perspectives de rapprochement entre les mondes centralis\u00e9s et d\u00e9centralis\u00e9s de la finance, posant de premi\u00e8res briques d\u2019int\u00e9gration de technologies d\u00e9centralis\u00e9es dans les<strong> <\/strong>syst\u00e8mes bancaires et financiers traditionnels. Il est ainsi recommand\u00e9 \u00e0 l\u2019ensemble des acteurs financiers de suivre de pr\u00e8s <strong>l\u2019\u00e9volution de ces projets MNBC<\/strong>, afin d\u2019anticiper les prochaines <strong>transformations technologiques <\/strong>\u00e0 mener.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/section>\n\n\n\n<section class=\"wp-block-cg-blocks-wrapper-people-slider section section--expert-slider wrapper-people-slider undefined Adil\"><div class=\"container\"><div class=\"content-title\"><h3 data-maxlength=\"34\">Auteurs<\/h3><\/div><\/div><div class=\"slider slider-boxed\"><div class=\"container\"><div class=\"slider-window\"><div class=\"slider-list\">\n\t\t<div class=\"slide\">\n\t\t\t<div class=\"box\">\n\t\t\t\t<div class=\"row\">\n\t\t\t\t\t<div class=\"col-md-6 col-lg-4 box-img-wrapper\">\n\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2024\/10\/HIHI-Adil.jpg\" alt=\"Adil Hihi\"\/>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"col-md-6 col-lg-8 box-inner\">\n\t\t\t\t\t\t<div class=\"row title-social-media-header\">\n\t\t\t\t\t\t\t<div class=\"col-md-12 col-lg-6 mbl-social-icon\">\n\t\t\t\t\t\t\t\t<ul class=\"social-nav\">\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\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li><a aria-label=\"Linkedin\" target=\"_blank\" title=\"Ouvrir dans une nouvelle fen\u00eatre\" href=\"https:\/\/www.linkedin.com\/in\/adil-hihi-17118085\/\"><i aria-hidden=\"true\" class=\"icon-li\"><\/i><\/a><\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"col-md-12 col-lg-6 box-container\">\n\t\t\t\t\t\t\t\t<div class=\"box-title\">\n\t\t\t\t\t\t\t\t\t<h3 class=\"people-profile-title\">Adil Hihi<\/h3>\n\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<span>Manager, Capgemini Invent<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"col-md-12 col-lg-6 social-box-container dkt-social-icon\">\n\t\t\t\t\t\t\t\t<ul class=\"social-nav\">\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\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li><a aria-label=\"Linkedin\" target=\"_blank\" title=\"Ouvrir dans une nouvelle fen\u00eatre\" href=\"https:\/\/www.linkedin.com\/in\/adil-hihi-17118085\/\"><i aria-hidden=\"true\" class=\"icon-li\"><\/i><\/a><\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\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\t\t\t\t\t\t<div class=\"people-info\">Au sein du cabinet depuis 8 ans, Adil est aujourd\u2019hui manager chez Business Technology. Il a constitu\u00e9 la communaut\u00e9 Blockchain \/ Web 3.0 d&#8217;Invent France, adressant les opportunit\u00e9s ouvertes par ces nouvelles technologies distribu\u00e9es. De la strat\u00e9gie et l&#8217;id\u00e9ation aux exp\u00e9rimentations et d\u00e9veloppement de MVPs, il a su accompagner des clients de diff\u00e9rents secteurs et diff\u00e9rentes tailles dans le d\u00e9ploiement de leurs cas d&#8217;usage.<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\n\t\t<div class=\"slide\">\n\t\t\t<div class=\"box\">\n\t\t\t\t<div class=\"row\">\n\t\t\t\t\t<div class=\"col-md-6 col-lg-4 box-img-wrapper\">\n\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2024\/10\/BRIOLE-Manon.jpg\" alt=\"Manon Briole\"\/>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"col-md-6 col-lg-8 box-inner\">\n\t\t\t\t\t\t<div class=\"row title-social-media-header\">\n\t\t\t\t\t\t\t<div class=\"col-md-12 col-lg-6 mbl-social-icon\">\n\t\t\t\t\t\t\t\t<ul class=\"social-nav\">\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<li>\n\t\t\t\t\t\t\t\t\t\t\t<a class=\"subnav-button--form\" href=\"javascript:void(0)\" aria-label=\"Nous contacter\" data-bs-toggle=\"modal\" data-bs-target=\"#WPBf5f047a5_f3af_4517_91da_49ddeb7384d5\" data-bs-expert-title=\"1\">\n\t\t\t\t\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"ico-form\"><\/i>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t<\/li>\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<li><a aria-label=\"Linkedin\" target=\"_blank\" title=\"Ouvrir dans une nouvelle fen\u00eatre\" href=\"https:\/\/www.linkedin.com\/in\/manon-briole\/\"><i aria-hidden=\"true\" class=\"icon-li\"><\/i><\/a><\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"col-md-12 col-lg-6 box-container\">\n\t\t\t\t\t\t\t\t<div class=\"box-title\">\n\t\t\t\t\t\t\t\t\t<h3 class=\"people-profile-title\">Manon Briole<\/h3>\n\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<span>Manager, Capgemini Invent<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"col-md-12 col-lg-6 social-box-container dkt-social-icon\">\n\t\t\t\t\t\t\t\t<ul class=\"social-nav\">\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\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li><a aria-label=\"Linkedin\" target=\"_blank\" title=\"Ouvrir dans une nouvelle fen\u00eatre\" href=\"https:\/\/www.linkedin.com\/in\/manon-briole\/\"><i aria-hidden=\"true\" class=\"icon-li\"><\/i><\/a><\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\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\t\t\t\t\t\t<div class=\"people-info\">Manager chez Capgemini Invent, Manon accompagne depuis plus de 5 ans des clients du secteur public et priv\u00e9 dans la livraison de produits digitaux au sein de digital factories. En compl\u00e9ment de son expertise en product ownership, elle a pu aider certains acteurs \u00e0 mettre en place de mod\u00e8les d\u2019impl\u00e9mentation du Low-Code \/ No-Code adapt\u00e9s, leur permettant ainsi d\u2019en exploiter la pleine puissance.  Passionn\u00e9e de tech et d\u2019innovation, elle se sp\u00e9cialise en particulier dans les technologies au service du produit et porte ainsi le d\u00e9veloppement de l\u2019offre Low-Code \/ No-Code au sein de Capgemini Invent. <\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\n\t\t<div class=\"slide\">\n\t\t\t<div class=\"box\">\n\t\t\t\t<div class=\"row\">\n\t\t\t\t\t<div class=\"col-md-6 col-lg-4 box-img-wrapper\">\n\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2024\/10\/BEAUREPAIRE-Charles.jpg\" alt=\"Charles Beaurepaire\"\/>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"col-md-6 col-lg-8 box-inner\">\n\t\t\t\t\t\t<div class=\"row title-social-media-header\">\n\t\t\t\t\t\t\t<div class=\"col-md-12 col-lg-6 mbl-social-icon\">\n\t\t\t\t\t\t\t\t<ul class=\"social-nav\">\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\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li><a aria-label=\"Linkedin\" target=\"_blank\" title=\"Ouvrir dans une nouvelle fen\u00eatre\" href=\"https:\/\/www.linkedin.com\/in\/charles-beaurepaire\/\"><i aria-hidden=\"true\" class=\"icon-li\"><\/i><\/a><\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"col-md-12 col-lg-6 box-container\">\n\t\t\t\t\t\t\t\t<div class=\"box-title\">\n\t\t\t\t\t\t\t\t\t<h3 class=\"people-profile-title\">Charles Beaurepaire<\/h3>\n\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<span>Consultant, Capgemini Invent<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"col-md-12 col-lg-6 social-box-container dkt-social-icon\">\n\t\t\t\t\t\t\t\t<ul class=\"social-nav\">\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\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li><a aria-label=\"Linkedin\" target=\"_blank\" title=\"Ouvrir dans une nouvelle fen\u00eatre\" href=\"https:\/\/www.linkedin.com\/in\/charles-beaurepaire\/\"><i aria-hidden=\"true\" class=\"icon-li\"><\/i><\/a><\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\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\t\t\t\t\t\t<div class=\"people-info\">Consultant chez Capgemini Invent au sein de l\u2019offre Web 3, Charles travaille sur des sujets autour de la blockchain et des cryptoactifs en explorant notamment les cas d\u2019usage m\u00e9tier offerts par cette technologie innovante, en particulier sur la d\u00e9finition d\u2019une offre autour du Custodial Wallet.<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\n\t\t<div class=\"slide\">\n\t\t\t<div class=\"box\">\n\t\t\t\t<div class=\"row\">\n\t\t\t\t\t<div class=\"col-md-6 col-lg-4 box-img-wrapper\">\n\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2024\/10\/TORRES-Louise.jpg\" alt=\"Louise Torres\"\/>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"col-md-6 col-lg-8 box-inner\">\n\t\t\t\t\t\t<div class=\"row title-social-media-header\">\n\t\t\t\t\t\t\t<div class=\"col-md-12 col-lg-6 mbl-social-icon\">\n\t\t\t\t\t\t\t\t<ul class=\"social-nav\">\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\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li><a aria-label=\"Linkedin\" target=\"_blank\" title=\"Ouvrir dans une nouvelle fen\u00eatre\" href=\"https:\/\/www.linkedin.com\/in\/louisetorres\/\"><i aria-hidden=\"true\" class=\"icon-li\"><\/i><\/a><\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"col-md-12 col-lg-6 box-container\">\n\t\t\t\t\t\t\t\t<div class=\"box-title\">\n\t\t\t\t\t\t\t\t\t<h3 class=\"people-profile-title\">Louise Torres<\/h3>\n\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<span>Consultante, Capgemini Invent<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"col-md-12 col-lg-6 social-box-container dkt-social-icon\">\n\t\t\t\t\t\t\t\t<ul class=\"social-nav\">\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\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li><a aria-label=\"Linkedin\" target=\"_blank\" title=\"Ouvrir dans une nouvelle fen\u00eatre\" href=\"https:\/\/www.linkedin.com\/in\/louisetorres\/\"><i aria-hidden=\"true\" class=\"icon-li\"><\/i><\/a><\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\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\t\t\t\t\t\t<div class=\"people-info\">Consultante chez Capgemini Invent au sein de l\u2019entit\u00e9 Business Technology, Louise a rejoint l\u2019offre Web 3 depuis 1 an pour travailler notamment sur les sujets de blockchain, et plus sp\u00e9cifiquement sur la cr\u00e9ation d\u2019une offre de Custodial Wallet.<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\n<\/div><\/div><\/div><div class=\"slider-nav\"><button class=\"slider-prev inactive\" aria-label=\"Slider previous\" tabindex=\"-1\"><\/button><ul class=\"slider-paginator\"><\/ul><button class=\"slider-next\" aria-label=\"Slider next\"><\/button><\/div><\/div><\/section>\n\n\n\n<section class=\"wp-block-cg-blocks-learn-more learnMoreBlock updated-new-sample-amal\"><div class=\"container\"><div class=\"content-title\"><h2 class=\"learnmore-heading\">D\u00e9couvrez nos articles de la s\u00e9rie Tech &amp; Inno<\/h2><\/div><div class=\"row\"><div class=\"col-md-4\"><div class=\"box\"><div class=\"box-wrapper\"><a class=\"box-title\" href=\"https:\/\/www.capgemini.com\/fr-fr\/perspectives\/blog\/innovation-naviguer-en-confiance-dans-un-ecosysteme-multicloud\/\" target=\"\" aria-label=\"<a href=&quot;https:\/\/www.capgemini.com\/fr-fr\/perspectives\/blog\/innovation-naviguer-en-confiance-dans-un-ecosysteme-multicloud\/&quot;&gt;Comment naviguer en confiance dans un \u00e9cosyst\u00e8me d\u00e9sormais multicloud\u202f?\u00a0\u00a0<\/a&gt;\" rel=\"noopener noreferrer\"><div class=\"box-img-wrapper\"><img decoding=\"async\" src=\"https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2024\/10\/CloudEdge-GettyImages-1339619445-2.jpg?w=500&amp;quality=70\" srcset=\"https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2024\/10\/CloudEdge-GettyImages-1339619445-2.jpg?w=500&amp;quality=70 1x, https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2024\/10\/CloudEdge-GettyImages-1339619445-2.jpg?w=1000&amp;quality=70 2x\" class=\"box-img\" alt=\"\" style=\"object-fit:cover;object-position:50% 50%\" loading=\"lazy\"\/><\/div><h3 class=\"titleWithoutLink_learnMore\"><a href=\"https:\/\/www.capgemini.com\/fr-fr\/perspectives\/blog\/innovation-naviguer-en-confiance-dans-un-ecosysteme-multicloud\/\">Comment naviguer en confiance dans un \u00e9cosyst\u00e8me d\u00e9sormais multicloud\u202f?\u00a0\u00a0<\/a><\/h3><\/a><\/div><\/div><div class=\"box-inner\"><p class=\"box-desc\">La notion de\u00a0confiance dans le cloud\u00a0est un concept r\u00e9cent apparu \u00e0 mesure que le besoin des organisations de r\u00e9inventer leurs\u00a0syst\u00e8mes d\u2019information\u00a0pour accompagner leur croissance et l\u2019innovation s\u2019est heurt\u00e9 aux probl\u00e9matiques de\u00a0sensibilit\u00e9 des donn\u00e9es et de souverainet\u00e9.\u00a0<\/p><\/div><\/div><div class=\"col-md-4\"><div class=\"box\"><div class=\"box-wrapper\"><a class=\"box-title\" href=\"https:\/\/www.capgemini.com\/fr-fr\/perspectives\/blog\/innovation-identite-numerique-marche-en-pleine-expansion\/\" target=\"\" aria-label=\"L\u2019identit\u00e9 num\u00e9rique, un march\u00e9 en pleine expansion\" rel=\"noopener noreferrer\"><div class=\"box-img-wrapper\"><img decoding=\"async\" src=\"https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2024\/11\/2024-FR-Featured-Image-Blog-Identite-Numerique.jpg?w=500&amp;quality=70\" srcset=\"https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2024\/11\/2024-FR-Featured-Image-Blog-Identite-Numerique.jpg?w=500&amp;quality=70 1x, https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2024\/11\/2024-FR-Featured-Image-Blog-Identite-Numerique.jpg?w=1000&amp;quality=70 2x\" class=\"box-img\" alt=\"\" style=\"object-fit:cover;object-position:50% 50%\" loading=\"lazy\"\/><\/div><h3 class=\"titleWithoutLink_learnMore\">L\u2019identit\u00e9 num\u00e9rique, un march\u00e9 en pleine expansion<\/h3><\/a><\/div><\/div><div class=\"box-inner\"><p class=\"box-desc\">Alors que les interactions num\u00e9riques se multiplient, de plus en plus de d\u00e9marches d\u00e9pendent d\u00e9sormais des formes num\u00e9riques d\u2019identification, comme payer ses imp\u00f4ts, acc\u00e9der \u00e0 son compte bancaire ou b\u00e9n\u00e9ficier d\u2019une t\u00e9l\u00e9consultation.<\/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<div class=\"row\">\n\t\t\t\t\t\t\t<div class=\"heading col-12 col-md-8\">\n\t\t\t\t\t\t\t\t<h2>Pour aller plus loin<\/h2>\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\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"slider slider-fader ce30fc4e-f676-42e5-b89a-4473a9907269\">\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=\"Tech radar 2024\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tTech radar 2024\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=\"Le Tech radar 2024 encourage un dialogue continu avec les experts tech et la communaut\u00e9, essentiel pour naviguer dans l\u2019avenir technologique.\"\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\tLe Tech radar 2024 encourage un dialogue continu avec les experts tech et la communaut\u00e9, essentiel pour naviguer dans l\u2019avenir technologique.\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<div class=\"btnDiv\"> <a class=\"more2\" data-maxlength=\"24\" aria-label=\"En savoir plus A propos Tech radar 2024\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t tabindex=\"0\" href=\"https:\/\/www.capgemini.com\/fr-fr\/perspectives\/publications\/innovation-tech-radar\/\"\n\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\tEn savoir plus\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\/2024\/06\/2024-FR-Hero-banner-Tech-Radar-2024.jpg?w=1200&amp;quality=90 1x, https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2024\/06\/2024-FR-Hero-banner-Tech-Radar-2024.jpg?w=1200&amp;quality=90 2x\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 1500px)\" 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\/>\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\/2024\/06\/2024-FR-Hero-banner-Tech-Radar-2024.jpg?w=400&amp;quality=90 1x, https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2024\/06\/2024-FR-Hero-banner-Tech-Radar-2024.jpg?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\/2024\/06\/2024-FR-Hero-banner-Tech-Radar-2024.jpg\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tstyle=\"\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\" 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\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\tstyle=\"\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\" 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","protected":false},"excerpt":{"rendered":"<p>Les banques centrales multiplient les \u00e9tudes et initiatives de monnaies num\u00e9riques, tant\u00f4t adoss\u00e9es \u00e0 des syst\u00e8mes technologiques innovants comme la blockchain, tant\u00f4t par des prismes plus traditionnels et centralis\u00e9s. <\/p>\n","protected":false},"author":12401,"featured_media":766707,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"cg_dt_proposed_to":[21,41],"cg_seo_hreflang_relations":"[]","cg_seo_canonical_relation":"{\"uuid\":\"881760ba-25cb-43fd-81bf-9d1ff696f5f5\",\"blogId\":\"\",\"domain\":\"\",\"sitePath\":\"\",\"postLink\":\"\",\"postId\":null,\"isSaved\":true,\"isCrossLink\":false,\"hasCrossLink\":false}","cg_seo_hreflang_x_default_relation":"{\"uuid\":\"250eb145-d9c5-4b28-83c7-d03dee3d3b96\",\"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":"31","_jetpack_memberships_contains_paid_content":false,"footnotes":"","featured_focal_points":"{\"x\":0.52,\"y\":0.52}"},"categories":[3],"tags":[17],"brand":[31],"service":[29],"industry":[27],"partners":[],"blog-topic":[364],"content-group":[],"class_list":["post-763791","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-innovation","tag-innovation","brand-capgemini-invent","service-business-innovation-transformation","industry-banques","blog-topic-innovation"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v22.8 (Yoast SEO v22.8) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Les Monnaies Num\u00e9riques de Banque Centrale (MNBC) - Capgemini France<\/title>\n<meta name=\"description\" content=\"D\u00e9couvrez les enjeux et implications des monnaies num\u00e9riques de banques centrales (MNBC), explorant \u00e0 la fois les innovations comme la blockchain et les approches plus traditionnelles.\" \/>\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\/fr-fr\/perspectives\/blog\/innovation-monnaies-numeriques-de-banque-centrale-mnbc\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Les Monnaies Num\u00e9riques de Banque Centrale (MNBC)\" \/>\n<meta property=\"og:description\" content=\"Les banques 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