{"id":767512,"date":"2024-10-24T10:00:00","date_gmt":"2024-10-24T08:00:00","guid":{"rendered":"https:\/\/www.capgemini.com\/fr-fr\/?p=767512"},"modified":"2025-10-29T15:16:13","modified_gmt":"2025-10-29T14:16:13","slug":"fida-une-etape-decisive-sur-le-chemin-de-lopen-finance-en-europe","status":"publish","type":"post","link":"https:\/\/www.capgemini.com\/fr-fr\/perspectives\/blog\/fida-chemin-open-finance-europe\/","title":{"rendered":"FIDA, une \u00e9tape d\u00e9cisive sur le chemin de l\u2019Open Finance en Europe"},"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>FIDA, une \u00e9tape d\u00e9cisive sur le chemin de l\u2019Open Finance en Europe<\/h1><\/div><\/div><\/div><\/div><div class=\"hero-blogs-bottom\"><div class=\"header-author\"><div class=\"author-img\"><img decoding=\"async\" src=\"\/wp-content\/themes\/capgemini2025\/assets\/images\/cg-logo-white.svg?w=200&amp;quality=10\" alt=\"Capgemini Logo\" loading=\"lazy\"\/><\/div><div class=\"author-name-date\"><h5 class=\"author-name\">Florent Martineau, St\u00e9phane Dalifard, Jean-Charles Croiger et Sofiene Korbi <\/h5><h5 class=\"blog-date\">24 octobre 2024<\/h5><\/div><\/div><div class=\"brand-image\"><img decoding=\"async\" loading=\"lazy\" src=\"\/wp-content\/themes\/capgemini2025\/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\/fida-chemin-open-finance-europe\/\" 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\/fida-chemin-open-finance-europe\/\" 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 institutions europ\u00e9ennes poursuivent la construction du cadre r\u00e9glementaire de l\u2019Open Finance afin de stimuler la concurrence tout en prot\u00e9geant le consommateur. Attendu pour entrer en vigueur courant 2025, FIDA est un texte qui imposera aux \u00e9tablissements financiers de partager, si le client le demande, les donn\u00e9es concernant les produits financiers qu\u2019il d\u00e9tient. Pour les banques et les assurances, ce pourrait \u00eatre un v\u00e9ritable s\u00e9isme.<\/h2><\/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<h2 class=\"wp-block-heading\" id=\"h-qu-est-ce-que-fida-nbsp-qui-est-concerne-nbsp\">Qu\u2019est-ce que FIDA&nbsp;? Qui est concern\u00e9&nbsp;?<\/h2>\n\n\n\n<p>FIDA (Financial Data Access) est un cadre r\u00e9glementaire d\u2019acc\u00e8s aux donn\u00e9es financi\u00e8res dans le secteur de la finance propos\u00e9 en 2023 par la Commission europ\u00e9enne. L\u2019objectif de ce texte est, d\u2019une part, de poursuivre l\u2019ouverture du secteur financier en encourageant la concurrence et, d\u2019autre part, d\u2019inciter les acteurs \u2013 banques, assurances, fintechs, assurtechs, \u2026 \u2013 \u00e0 innover en acc\u00e9l\u00e9rant leur transformation digitale et le d\u00e9veloppement de nouveaux produits et services.<\/p>\n\n\n\n<p>FIDA s\u2019appliquera \u00e0 l\u2019ensemble du secteur financier&nbsp;: banques, compagnies d\u2019assurance, \u00e9tablissements de cr\u00e9dit, conseillers en gestion de patrimoine, courtiers\u2026 Concr\u00e8tement, les \u00e9tablissements devront permettre aux autres acteurs du secteur d\u2019acc\u00e9der aux donn\u00e9es financi\u00e8res des produits d\u00e9tenus par un client lorsque celui-ci en fera la demande. Ce partage de donn\u00e9es devra se faire avec le consentement explicite du client et selon les modalit\u00e9s d\u00e9finies par des FDSS (Financial Data Sharing Schemes), des cadres techniques qui restent \u00e0 \u00e9laborer par les parties prenantes. Pour convaincre les \u00e9ventuels r\u00e9calcitrants, FIDA pr\u00e9voit des sanctions qui pourront atteindre 10 % du chiffre d\u2019affaires.<\/p>\n\n\n\n<p>Pr\u00e9vu pour \u00eatre ratifi\u00e9 par le Parlement europ\u00e9en d\u00e9but 2025, FIDA devrait entrer en vigueur courant 2025 pour une application \u00e0 partir de fin 2026, ce qui ne laisserait qu\u2019environ 18 mois pour se pr\u00e9parer \u00e0 des bouleversements business et techniques majeurs.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-quels-risques-nbsp-quelles-opportunites-nbsp\">Quels risques&nbsp;? Quelles opportunit\u00e9s&nbsp;?<\/h2>\n\n\n\n<p>Avec FIDA, le client sera plus que jamais ma\u00eetre des donn\u00e9es contractuelles et financi\u00e8res qui le concernent. Il pourra mettre \u00e0 profit cette transparence et cette portabilit\u00e9 accrues pour faire jouer \u00e0 plein la concurrence en s\u2019affranchissant des r\u00e9ticences dont font preuve certains \u00e9tablissements.<\/p>\n\n\n\n<p>Banques et compagnies d\u2019assurance seront \u00e0 minima contraintes de s\u2019aligner sur les usages du march\u00e9 pour ne pas s\u2019exposer \u00e0 des comparaisons d\u00e9favorables. Mais ce sera sans doute insuffisant car, face aux GAFAM, Fintechs, Assurtechs et autres acteurs agiles et innovants qui ne manqueront pas de s\u2019engouffrer dans la br\u00e8che, le risque sera alors de para\u00eetre fig\u00e9 dans des pratiques r\u00e9volues et de voir fuir ses clients, notamment les jeunes actifs \u00e0 fort potentiel.<\/p>\n\n\n\n<p>\u00c0 l\u2019inverse, gr\u00e2ce aux nouvelles donn\u00e9es qu\u2019il sera possible d\u2019obtenir sur les avoirs financiers de ses clients et prospects, FIDA offre l\u2019opportunit\u00e9 de leur proposer des produits et des services mieux cibl\u00e9s et plus pr\u00e9cis\u00e9ment adapt\u00e9s \u00e0 leurs besoins.&nbsp;L\u2019intelligence artificielle, en particulier, pourra \u00eatre mise \u00e0 profit pour profiler et segmenter plus finement sa client\u00e8le et renforcer consid\u00e9rablement la personnalisation des offres et des approches marketing. Ceci se traduira par des opportunit\u00e9s de conqu\u00eate significatives pour ceux qui sauront convaincre de la pertinence de leurs nouveaux services, mais aussi \u2013 et ce sera fondamental \u2013 de la robustesse de leurs m\u00e9canismes de leur protection des donn\u00e9es ainsi que de leur respect des autorisations de partage consenties par les clients.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-pourquoi-agir-maintenant-nbsp-quoi-faire-nbsp\">Pourquoi agir maintenant&nbsp;? Quoi faire&nbsp;?<\/h2>\n\n\n\n<p>M\u00eame si les inconnues toujours en suspens concernant les FDSS (acteurs impliqu\u00e9s, donn\u00e9es concern\u00e9es, modalit\u00e9s de partage\u2026) peuvent laisser planer un sentiment d\u2019incertitude, il ne doit faire de doute pour personne que FIDA sera bel et bien mis en \u0153uvre, et qu\u2019\u00e0 l\u2019\u00e9chelle de grandes organisations, 2026, c\u2019est demain&nbsp;! Il faut donc s\u2019y pr\u00e9parer sans attendre, d\u2019autant plus que la concurrence est dans les starting-blocks.<\/p>\n\n\n\n<p>Deux strat\u00e9gies sont possibles.&nbsp;La premi\u00e8re, d\u00e9fensive, va consister \u00e0 se contenter d\u2019une conformit\u00e9 technique minimale et \u00e0 chercher \u00e0 dissuader ses clients de demander \u00e0 partager leurs donn\u00e9es, en arguant, par exemple, de risques de s\u00e9curit\u00e9. Cette approche permettra peut-\u00eatre de gagner du temps, mais, on l\u2019a dit, elle n\u2019est pas viable face \u00e0 des concurrents qui ont autant de moyens que d\u2019ambitions. L\u2019autre approche \u2013 que nous recommandons \u2013 sera d\u2019avoir une attitude offensive afin de saisir l\u2019ind\u00e9niable opportunit\u00e9 de conqu\u00eate que repr\u00e9sente FIDA. Pour s\u2019y pr\u00e9parer, trois chantiers sont \u00e0 lancer d\u00e8s \u00e0 pr\u00e9sent&nbsp;:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong><em>Mettre en place une r\u00e9flexion sur les futurs cas d\u2019usage<\/em>&nbsp;: <\/strong>On doit s\u2019interroger sur ce qu\u2019il sera possible de faire avec les donn\u00e9es dont on disposera et ce qui int\u00e9ressera en priorit\u00e9 les clients. Dans le domaine bancaire, il sera beaucoup question de personnalisation des offres, de fluidification des parcours clients (\u00e0 qui il ne sera plus n\u00e9cessaire de demander certaines informations financi\u00e8res), de marketing et de conseils cibl\u00e9s. Dans l\u2019assurance, outre ces aspects de personnalisation, on pourra, par exemple, envisager des offres visant \u00e0 regrouper et rationaliser les couvertures.<\/li>\n\n\n\n<li><strong><em>Pr\u00e9parer les \u00e9volutions techniques&nbsp;:<\/em><\/strong> Du c\u00f4t\u00e9 des banques et, dans une moindre mesure, des compagnies d\u2019assurance, ont d\u00e9j\u00e0 \u00e9t\u00e9 mis en place des m\u00e9canismes de partage de donn\u00e9es (API, plateformes data, marketplace\u2026), notamment suite \u00e0 la Directive sur les Services de Paiement (DSP2). Ils constituent un socle \u00e0 adapter pour couvrir les deux volets de FIDA, \u00e0 savoir&nbsp;la mise \u00e0 disposition des donn\u00e9es \u00e0 la demande des clients, et la collecte et l\u2019exploitation de donn\u00e9es clients issues d\u2019autres \u00e9tablissements. Un chantier important devra \u00eatre consacr\u00e9 \u00e0 la question de la s\u00e9curit\u00e9 et de la confidentialit\u00e9 des donn\u00e9es.<\/li>\n\n\n\n<li><strong><em>Anticiper les changements&nbsp;:<\/em><\/strong> L\u2019ouverture des donn\u00e9es aura un impact important sur les conseillers et leur travail, mais aussi sur les clients eux-m\u00eames. Si l\u2019on veut faire de cette nouvelle possibilit\u00e9 un atout commercial, il faut les y pr\u00e9parer. En d\u00e9pit de la fraude (phishing, faux conseillers\u2026), banques et assurances disposent d\u2019un indiscutable capital confiance concernant la protection des donn\u00e9es et des avoirs de leurs clients. Face \u00e0 des acteurs qui n\u2019ont pas ces r\u00e9f\u00e9rences sur la dur\u00e9e, cette confiance est un argument diff\u00e9renciant tr\u00e8s fort sur lequel il faudra absolument capitaliser car il sera d\u00e9cisif pour les clients.<\/li>\n<\/ul>\n\n\n\n<p>En fluidifiant les \u00e9changes de donn\u00e9es financi\u00e8res, FIDA promet d\u2019intensifier doublement la concurrence dans le secteur financier&nbsp;: d\u2019une part, en poussant les acteurs traditionnels \u00e0 se remettre en question et \u00e0 redoubler d\u2019innovation et de dynamisme commercial&nbsp;; d\u2019autre part, en ouvrant la porte \u00e0 de nouveaux entrants, comme les GAFAM, qui ne cachent pas leurs ambitions et multiplient ces derniers mois les initiatives en la mati\u00e8re, ou les grands fonds d\u2019investissement, qui pourraient chercher \u00e0 s\u00e9duire directement les clients particuliers. Contre cette comp\u00e9tition accrue, une attitude d\u00e9fensive ne saurait prot\u00e9ger ind\u00e9finiment les \u00e9tablissements traditionnels, qui doivent au contraire se pr\u00e9parer r\u00e9solument \u00e0 saisir les opportunit\u00e9s de l\u2019Open Finance.<\/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\"><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\/florent-martineau-400px.jpg\" alt=\"Florent Martineau\"\/>\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\/florent-martineau\/\"><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\">Florent Martineau<\/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>Vice-Pr\u00e9sident Enterprise Data &amp; Analytics | 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\/florent-martineau\/\"><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\">Vice-Pr\u00e9sident chez Capgemini Invent avec plus de 18 ans d\u2019exp\u00e9rience dans le secteur financier. Sp\u00e9cialiste de la transformation digitale et de la gestion de projets complexes, il accompagne les institutions financi\u00e8res dans leur transition num\u00e9rique en assurant conformit\u00e9 r\u00e9glementaire, efficacit\u00e9 op\u00e9rationnelle et renforcement de la comp\u00e9titivit\u00e9.<\/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\/2022\/07\/Stephane-Dalifard.jpg\" alt=\"St\u00e9phane Dalifard\"\/>\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\/st\u00e9phane-dalifard-29447824\/\"><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\">St\u00e9phane Dalifard<\/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>Vice-President Retail banking, Capgemini Invent Financial Services\u00a0<\/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\/st\u00e9phane-dalifard-29447824\/\"><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\">St\u00e9phane Dalifard accompagne depuis plus de 25 ans les \u00e9tablissements financiers dans la transformation et l\u2019\u00e9volution de leurs m\u00e9tiers, en les aidant notamment \u00e0 tirer profit des oppor-tunit\u00e9s offertes par les leviers digitaux (intelligence artificielle, IA\/data, IoT, robotisation, open banking, \u2026) et \u00e0 gagner en agilit\u00e9 dans un \u00e9co-syst\u00e8me d\u2019innovation foisonnant (fintechs, assur-techs, GAFA, \u2026).  <\/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\/2022\/04\/CROIGER-JC-HD-photo.jpg\" alt=\"Jean-Charles Croiger\"\/>\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\/jean-charles-croiger-70a338\/\"><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\">Jean-Charles Croiger<\/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>Directeur Senior | 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\/jean-charles-croiger-70a338\/\"><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\">\ufeff\nJean-Charles a plus de 25 ans d\u2019exp\u00e9rience en conseil dans le secteur bancaire. Il a men\u00e9 des programmes de transformation des op\u00e9rations en Banque de d\u00e9tail, CIB et Asset management, des phases de cadrage aux phases d\u2018impl\u00e9mentation. Il a l\u2019exp\u00e9rience des programmes d\u2019open banking dans les paiements (PSD2, ISO20022) et de conformit\u00e9 r\u00e9glementaire en s\u00e9curit\u00e9 financi\u00e8re (LCB-FT, Sanctions, KYC).<\/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\/Sofiene_korbi-400x400-1.jpg\" alt=\"Sofiene Korbi\"\/>\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\/korbi\/\"><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\">Sofiene Korbi<\/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>Strategy &amp; Transformation Consulting Director\u00a0| 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\/korbi\/\"><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\">Sofiene, Directeur chez Capgemini Invent, dispose de plus de 18 ann\u00e9es d\u2019exp\u00e9rience acquise dans le conseil en strat\u00e9gie et transformation pour le secteur financier. Il accompagne les \u00e9tablissements financiers dans le cadrage, la planification et la mise en \u0153uvre de leurs projets de transformation strat\u00e9gique m\u00e9tier, r\u00e9glementaire et digitale. <\/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=\"Curseur pr\u00e9c\u00e9dent\" tabindex=\"-1\"><\/button><ul class=\"slider-paginator\"><\/ul><button class=\"slider-next\" aria-label=\"Curseur suivant\"><\/button><\/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 e7ff971e-2459-43c5-80cc-b31a27aa1e58\">\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=\"March\u00e9s bancaires et financiers\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tMarch\u00e9s bancaires et financiers\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=\"D\u00e9couvrez nos offres d\u00e9di\u00e9es aux banques et entreprises du secteur financier\"\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\tD\u00e9couvrez nos offres d\u00e9di\u00e9es aux banques et entreprises du secteur financier\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 March\u00e9s bancaires et financiers\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t tabindex=\"0\" href=\"https:\/\/www.capgemini.com\/fr-fr\/secteurs\/marches-bancaires-et-financiers\/\"\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\/wp-content\/uploads\/2024\/03\/Capgemini_Industries_Capital-Markets-1.webp?w=1200&amp;quality=90 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/03\/Capgemini_Industries_Capital-Markets-1.webp?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\/wp-content\/uploads\/2024\/03\/Capgemini_Industries_Capital-Markets-1.webp?w=600&amp;quality=90 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/03\/Capgemini_Industries_Capital-Markets-1.webp?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\/wp-content\/uploads\/2024\/03\/Capgemini_Industries_Capital-Markets-1.webp?w=400&amp;quality=90 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/03\/Capgemini_Industries_Capital-Markets-1.webp?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\/wp-content\/uploads\/2024\/03\/Capgemini_Industries_Capital-Markets-1.webp?w=400&amp;quality=90 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/03\/Capgemini_Industries_Capital-Markets-1.webp?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\/wp-content\/uploads\/2024\/03\/Capgemini_Industries_Capital-Markets-1.webp\"\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\tobject-position: 50% 50%; object-fit: cover;\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 institutions europ\u00e9ennes poursuivent la construction du cadre r\u00e9glementaire de l\u2019Open Finance afin de stimuler la concurrence tout en prot\u00e9geant le consommateur. Attendu pour entrer en application en 2026, FIDA est un texte qui imposera aux \u00e9tablissements financiers de partager, si le client le demande, les donn\u00e9es concernant les produits financiers qu\u2019il d\u00e9tient. Pour les banques et les assurances, ce pourrait \u00eatre un v\u00e9ritable s\u00e9isme.<\/p>\n","protected":false},"author":247,"featured_media":767541,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"cg_dt_proposed_to":[],"cg_seo_hreflang_relations":"[]","cg_seo_canonical_relation":"","cg_seo_hreflang_x_default_relation":"{\"uuid\":\"29543613-2025-4a9e-9245-e303d13a0186\",\"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,"_yoast_wpseo_primary_brand":"31","_jetpack_memberships_contains_paid_content":false,"footnotes":"","featured_focal_points":""},"categories":[3],"tags":[200],"brand":[31],"service":[],"industry":[27],"partners":[],"blog-topic":[364],"content-group":[],"class_list":["post-767512","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-innovation","tag-banque","brand-capgemini-invent","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>FIDA, une \u00e9tape d\u00e9cisive sur le chemin de l\u2019Open Finance en Europe - Capgemini France<\/title>\n<meta name=\"description\" content=\"Les institutions europ\u00e9ennes poursuivent la construction du cadre r\u00e9glementaire de l\u2019Open Finance afin de stimuler la concurrence tout en prot\u00e9geant le consommateur. Attendu pour entrer en application en 2026, FIDA est un texte qui imposera aux \u00e9tablissements financiers de partager, si le client le demande, les donn\u00e9es concernant les produits financiers qu\u2019il d\u00e9tient. Pour les banques et les assurances, ce pourrait \u00eatre un v\u00e9ritable s\u00e9isme.\" \/>\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\/fida-chemin-open-finance-europe\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"FIDA, une \u00e9tape d\u00e9cisive sur le chemin de l\u2019Open Finance en Europe\" \/>\n<meta property=\"og:description\" content=\"Les institutions europ\u00e9ennes poursuivent la construction du cadre r\u00e9glementaire de l\u2019Open Finance afin de stimuler la concurrence tout en prot\u00e9geant le consommateur. Attendu pour entrer en application en 2026, FIDA est un texte qui imposera aux \u00e9tablissements financiers de partager, si le client le demande, les donn\u00e9es concernant les produits financiers qu\u2019il d\u00e9tient. 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