{"id":770248,"date":"2024-12-04T08:00:00","date_gmt":"2024-12-04T07:00:00","guid":{"rendered":"https:\/\/www.capgemini.com\/fr-fr\/?p=770248"},"modified":"2025-11-21T14:24:39","modified_gmt":"2025-11-21T13:24:39","slug":"cloud-dans-les-systemes-de-paiement","status":"publish","type":"post","link":"https:\/\/www.capgemini.com\/fr-fr\/perspectives\/blog\/cloud-dans-les-systemes-de-paiement\/","title":{"rendered":"Le cloud dans les syst\u00e8mes de paiement"},"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>Le cloud dans les syst\u00e8mes de paiement<\/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\/2025\/10\/cg-logo-blue.svg?w=200&amp;quality=10\" alt=\"\" loading=\"lazy\"\/><\/div><div class=\"author-name-date\"><h5 class=\"author-name\">Laurent Lefran\u00e7ois et Christophe Vergne<\/h5><h5 class=\"blog-date\">04 d\u00e9cembre 2024<\/h5><\/div><\/div><div class=\"brand-image\"><\/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\/cloud-dans-les-systemes-de-paiement\/\" 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\/cloud-dans-les-systemes-de-paiement\/\" 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\">Le cloud est devenu une n\u00e9cessit\u00e9 pour les acteurs du paiement<br><\/h2><p class=\"intro-para-content\">Apr\u00e8s une longue p\u00e9riode de relative stabilit\u00e9, le m\u00e9tier du paiement est \u00e0 son tour rattrap\u00e9 par la transformation num\u00e9rique et les nouveaux usages des consommateurs. L\u2019irruption de fintechs sp\u00e9cialis\u00e9es, comme Stripe, Adyen ou Paypal, acc\u00e9l\u00e8re ces changements qui, \u00e0 l\u2019image de l\u2019Instant Payment, se d\u00e9mocratisent ensuite tr\u00e8s vite. Les PSP (Payment Services Providers)<a id=\"_ftnref1\" href=\"#_ftn1\">[1]<\/a> se trouvent ainsi sous pression, entra\u00een\u00e9s dans une concurrence acharn\u00e9e qui non seulement comprime leurs marges, mais leur impose aussi d\u2019innover plus vite pour pouvoir proposer des services originaux \u2013\u202fautour de la donn\u00e9e, par exemple \u2013 et ainsi accompagner et gagner de nouveaux clients.\u00a0<\/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<p>Pour discipliner ce paysage en \u00e9volution acc\u00e9l\u00e9r\u00e9e, des initiatives r\u00e9glementaires se font jour partout dans le monde, souvent de fa\u00e7on peu harmonis\u00e9e d\u2019un pays ou d\u2019une r\u00e9gion \u00e0 l\u2019autre. Et pour r\u00e9pondre aux objectifs de ces r\u00e9gulateurs tant en mati\u00e8re de s\u00e9curit\u00e9 pour le consommateur que d\u2019innovation, les PSP doivent adapter en permanence leurs offres, processus et solutions dans des d\u00e9lais tr\u00e8s courts.<\/p>\n\n\n\n<p>Les services de paiement doivent par cons\u00e9quent s\u2019appuyer sur des infrastructures qui soient, d\u2019une part, performantes, r\u00e9silientes, s\u00e9curis\u00e9es et \u00e9lastiques pour pouvoir soutenir durablement la charge et, d\u2019autre part, ouvertes et agiles pour favoriser l\u2019innovation.<\/p>\n\n\n\n<p>Ces infrastructures doivent en particulier favoriser les indispensables collaborations entre les PSP et des \u00e9diteurs tiers, faciliter de nouvelles formes d\u2019\u00e9change ou d\u2019exploitation des donn\u00e9es, et permettre d\u2019en r\u00e9duire les co\u00fbts op\u00e9rationnels. Tout ceci, est tr\u00e8s exactement le portrait-robot du cloud, \u00e0 tel point qu\u2019il semble d\u00e9sormais difficile d\u2019imaginer qu\u2019il soit possible pour un PSP de s\u2019en passer pour concilier l\u2019ensemble de ces exigences.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-une-adoption-retardee-par-3-freins-majeurs-la-culture-la-reglementation-et-la-technologie\">Une adoption retard\u00e9e par 3 freins majeurs\u202f: la culture, la r\u00e9glementation et la technologie\u00a0<\/h2>\n\n\n\n<p>Jusqu\u2019ici, les solutions cloud ont surtout \u00e9t\u00e9 utilis\u00e9es de fa\u00e7on native par les nouveaux acteurs, g\u00e9n\u00e9ralement des fintechs famili\u00e8res des nouvelles technologies. Quant aux acteurs existants et plus traditionnels, plusieurs freins ont entrav\u00e9 la bascule de leurs syst\u00e8mes historiques de paiement vers le cloud.&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Le premier de ces freins est culturel.<\/strong> Pour beaucoup, le cloud a longtemps \u00e9t\u00e9 synonyme de perte de contr\u00f4le sur ses donn\u00e9es, de d\u00e9pendance commerciale et d\u2019exposition aux lois extraterritoriales, ce qui, dans un secteur aussi r\u00e9fractaire au risque que le paiement, a souvent \u00e9t\u00e9 r\u00e9dhibitoire, surtout en France. Toutefois, les mentalit\u00e9s et les solutions \u00e9voluent, et m\u00eame si l\u2019adoption est encore in\u00e9gale, une barri\u00e8re psychologique est indiscutablement en train de tomber.&nbsp;&nbsp;<\/li>\n\n\n\n<li><strong>Le deuxi\u00e8me frein est l\u2019instabilit\u00e9 r\u00e9glementaire.<\/strong> Les PSP redoutent que le cloud ne complique leur mise en conformit\u00e9, que le r\u00e9gulateur ne d\u00e9finisse un nouveau cadre pour l\u2019exploitation des solutions Cloud, voire que son utilisation elle-m\u00eame soit source de nouveaux risques juridiques. Et l\u00e0 encore, les avanc\u00e9es sont significatives. De ce point de vue, <a href=\"https:\/\/www.capgemini.com\/fr-fr\/perspectives\/publications\/cloud-de-confiance-livre-blanc\/?gad_source=1&amp;gclid=CjwKCAiAxqC6BhBcEiwAlXp45w7qYVIro7Xtca27965Ho73PY6_FiVjvJtDqFvyBynsYo0aVdOPIeRoCfkUQAvD_BwE\" target=\"_blank\" rel=\"noreferrer noopener\">les clouds de confiance <\/a>propos\u00e9s par des acteurs europ\u00e9ens (comme BLEU ou S3NS en France) peuvent constituer une r\u00e9ponse pertinente, au moins pour certains pans de l\u2019activit\u00e9, sous r\u00e9serve de disponibilit\u00e9 des services recherch\u00e9s.&nbsp;<\/li>\n\n\n\n<li><strong>Enfin, bien s\u00fbr, il y a l\u2019obstacle de la technologie<\/strong>. Les plateformes de paiement sont complexes. Pour couvrir l\u2019ensemble de la cha\u00eene de valeur (acquisition, fraude, screening, ex\u00e9cution, routage, clearing, etc.), elles sont faites de multiples blocs logiciels qui sont souvent d\u2019origines diverses , d\u2019\u00e2ge et de conception diff\u00e9rents, et \u00e9troitement imbriqu\u00e9s avec le reste du syst\u00e8me d\u2019information. Aussi, les migrer en les transformant est longtemps apparu comme une t\u00e2che co\u00fbteuse, risqu\u00e9e et peu rentable. Aujourd\u2019hui, comment les choses ont-elles \u00e9volu\u00e9 et quelles sont les bonnes pratiques ?<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-deux-strategies-pour-passer-au-cloud-reconstruire-ou-moderniser-l-existant\">Deux strat\u00e9gies pour passer au cloud : reconstruire ou moderniser l\u2019existant\u00a0<\/h2>\n\n\n\n<p>Dans tous les cas, la strat\u00e9gie de migration d\u2019un SI paiements vers le cloud doit s\u2019inscrire dans la roadmap pluriannuelle de transformation m\u00e9tier de l\u2019organisation. Elle pourra ainsi l\u2019accompagner ou la faciliter.&nbsp;&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>La premi\u00e8re strat\u00e9gie <\/strong>consiste \u00e0 reconstruire le SI paiements dans son int\u00e9gralit\u00e9 pour servir les objectifs m\u00e9tiers de demain. Il s\u2019agit l\u00e0 de d\u00e9velopper de nouvelles offres ou nouveaux services m\u00e9tiers qui ont vocation \u00e0 prendre le pas sur l\u2019existant. Banco Santander, par exemple,<a href=\"https:\/\/www.capgemini.com\/fr-fr\/actualites\/communiques-de-presse\/la-majorite-des-banques-et-des-compagnies-dassurance-peinent-a-tirer-pleinement-parti-de-leurs-investissements-dans-le-cloud\/\" target=\"_blank\" rel=\"noreferrer noopener\"> d\u00e9veloppe les nouvelles offres de paiement de sa fintech<\/a> PagoNxt (services aux commer\u00e7ants et aux entreprises internationales) sur un SI enti\u00e8rement bas\u00e9 sur les nouvelles technologies et h\u00e9berg\u00e9 dans le cloud. La migration de ses m\u00e9tiers et de ses plateformes actuelles n\u2019interviendra que dans un second temps.&nbsp;<\/li>\n\n\n\n<li><strong>La seconde strat\u00e9gie<\/strong>, \u00e0 l\u2019instar de ce qu\u2019a r\u00e9alis\u00e9 Payplug (fintech de services aux commer\u00e7ants du groupe BPCE), consiste \u00e0 moderniser progressivement sa plateforme de paiement historique et monolithique en proc\u00e9dant \u00e0 une r\u00e9architecture \u00e0 base de containers et de micro-services. Cette modernisation cloud native, qui se focalise d\u2019abord sur le traitement des transactions avant d\u2019adresser la migration des solutions tierces, permet de commencer rapidement \u00e0 tirer parti de l\u2019\u00e9lasticit\u00e9 des solutions Cloud tout en assurant la conformit\u00e9 avec la r\u00e9glementation et ses certifications (PCI-DSS, par exemple). Dans cette approche, il faut avancer pas \u00e0 pas, avec beaucoup de m\u00e9thode et de prudence, en coordonnant les nombreuses parties-prenantes afin de minimiser les risques et de ne toucher qu\u2019en dernier lieu au \u00ab\u202fc\u0153ur du r\u00e9acteur\u202f\u00bb.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-des-facteurs-de-succes-communs\">Des facteurs de succ\u00e8s communs\u00a0\u00a0<\/h2>\n\n\n\n<p><strong>Il appartient donc \u00e0 chaque PSP de d\u00e9finir sa propre trajectoire<\/strong> en fonction de sa situation m\u00e9tier et technologique, et de ses ambitions sur le march\u00e9. Quelle que soit l\u2019option choisie, l\u2019exp\u00e9rience r\u00e9v\u00e8le toutefois quelques invariants en ce qui concerne la m\u00e9thodologie et les facteurs cl\u00e9s de succ\u00e8s\u202f: la ma\u00eetrise de l\u2019\u00e9cosyst\u00e8me historique existant, de ses fonctionnalit\u00e9s et de ses briques technologiques\u202f; la synchronisation avec les \u00e9quipes m\u00e9tiers et leur strat\u00e9gie\u202f; les relations avec les \u00e9diteurs et les partenaires.<\/p>\n\n\n\n<p>Il doit aussi s\u2019agir d\u2019un projet d\u2019entreprise, suivi au plus haut niveau et o\u00f9 l\u2019on vise davantage des b\u00e9n\u00e9fices structurels qu\u2019un ROI rapide. Il faut \u00e9galement obtenir du fournisseur de services cloud des garanties fortes en termes de s\u00e9curit\u00e9, de conformit\u00e9, de r\u00e9versibilit\u00e9, de chiffrement, etc. Enfin, une collaboration \u00e9troite entre les diff\u00e9rents acteurs internes, les partenaires technologiques et les autorit\u00e9s de contr\u00f4le est incontournable.&nbsp;<\/p>\n\n\n\n<p>Les PSP doivent se d\u00e9faire de leurs derni\u00e8res r\u00e9ticences vis-\u00e0-vis du cloud et se montrer pragmatiques en adoptant ces solutions avec d\u00e9termination, vigilance et rigueur pour r\u00e9ussir un tel programme. Hier largement per\u00e7u comme un risque, le cloud est \u00e0 pr\u00e9sent pass\u00e9 d\u2019un statut d\u2019opportunit\u00e9 \u00e0 celui de n\u00e9cessit\u00e9. Car lui seul permettra aux PSP de se positionner \u2013 ou de se maintenir \u2013 parmi les leaders des syst\u00e8mes de paiement les plus r\u00e9silients et innovants du march\u00e9.&nbsp;<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p><a id=\"_ftn1\" href=\"#_ftnref1\">[1]<\/a> Un Payment Service Provider, est un prestataire de Services de Paiement, organisme agr\u00e9\u00e9 par l\u2019ACPR (Autorit\u00e9 de contr\u00f4le prudentiel et de r\u00e9solution) [ou la Banque de France pour faire encore plus simple] qui v\u00e9rifie la s\u00e9curit\u00e9, les ressources techniques, les proc\u00e9dures de protection des donn\u00e9es des clients entre autres pour assurer une garantie de s\u00e9curit\u00e9 des paiements sur internet par exemple.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/section>\n\n\n\n<section class=\"section section--expert-slider wrapper-people-slider wp-block-cg-blocks-wrapper-people-slider undefined\"><div class=\"container\"><div class=\"content-title\"><h2 data-maxlength=\"34\" class=\"people-heading-title\">Auteurs<\/h2><\/div><\/div><div class=\"slider slider-boxed\"><div class=\"container\"><div class=\"slider-window\"><div class=\"slider-list\">\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\/Christophe-Vergne-PC.jpg\" alt=\"Christophe Vergne\"\/>\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:\/\/fr.linkedin.com\/in\/vergnechristophe\"><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\">Christophe Vergne<\/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>Cards and Payments SME (Europe), Capgemini<\/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:\/\/fr.linkedin.com\/in\/vergnechristophe\"><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\">Fort d&#8217;une solide exp\u00e9rience dans la banque, Christophe Vergne a jou\u00e9 un r\u00f4le essentiel dans la construction de la practice paiements globale de Capgemini, permettant aux grandes institutions de transformer et de consolider leur leadership sur tous les segments et services du march\u00e9. Au cours des dix derni\u00e8res ann\u00e9es, Christophe a \u00e9t\u00e9 le co-auteur du World Payments Report, contribuant \u00e0 en faire la publication de r\u00e9f\u00e9rence sur la transformation des paiements. Il est un expert, un conf\u00e9rencier, un blogueur et un conseiller pour les CXO du secteur payments.<\/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\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\/08\/Laurent-Lefrancois-PC2.jpg\" alt=\"Laurent Lefran\u00e7ois\"\/>\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\/laurent-lefranois-a2245a1a\/\"><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\">Laurent Lefran\u00e7ois<\/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>Engagement Director, Cloud CoE<\/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\/laurent-lefranois-a2245a1a\/\"><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\">Laurent est directeur d\u2019engagement exp\u00e9riment\u00e9 dans les projets de transformation Cloud. En lien avec son r\u00e9seau d\u2019experts, il accompagne les \u00e9tablissements Banques et Assurances dans leur adoption des solutions Cloud, et leur transformation \u00e0 l\u2019\u00e9chelle sur toute la cha\u00eene de valeur.<\/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<\/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<section class=\"wp-block-cg-blocks-learn-more updated-new-sample-amal learnMoreBlock\"><div class=\"container\"><div class=\"content-title\"><h2 class=\"learnmore-heading\">Nos autres articles de blog<\/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\/cybersecurite-et-cloud-de-confiance-un-mariage-de-raison\/\" target=\"\" aria-label=\"<a href=&quot;https:\/\/www.capgemini.com\/fr-fr\/perspectives\/blog\/cloud-banques-accelerent-innovation-autour-de-data\/&quot;&gt;Avec le cloud, les banques acc\u00e9l\u00e8rent leur innovation autour de la data<\/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\/2023\/08\/GettyImages-1095325574.jpg?w=500&amp;quality=70\" srcset=\"https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2023\/08\/GettyImages-1095325574.jpg?w=500&amp;quality=70 1x, https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2023\/08\/GettyImages-1095325574.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\/cloud-banques-accelerent-innovation-autour-de-data\/\">Avec le cloud, les banques acc\u00e9l\u00e8rent leur innovation autour de la data<\/a><\/h3><\/a><\/div><\/div><div class=\"box-inner\"><p class=\"box-desc\">Les banques sont devenues des usines \u00e0 donn\u00e9es, qu\u2019elles produisent et brassent en quantit\u00e9s ph\u00e9nom\u00e9nales pour r\u00e9pondre \u00e0 leurs obligations r\u00e9glementaires, pour analyser les tendances et les risques, et pour mieux servir leurs clients.<\/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\/publications\/cloud-et-cybersecurite-un-pas-de-deux-vers-la-maturite\/\" target=\"\" aria-label=\"<a href=&quot;https:\/\/www.capgemini.com\/fr-fr\/perspectives\/blog\/le-secteur-financier-a-lheure-du-cloud-changement-de-paradigme\/&quot;&gt;Le secteur financier \u00e0 l\u2019heure du cloud : un changement de paradigme\u00a0?<br&gt;<\/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\/2023\/04\/GettyImages-1370291020.jpg?w=500&amp;quality=70\" srcset=\"https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2023\/04\/GettyImages-1370291020.jpg?w=500&amp;quality=70 1x, https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2023\/04\/GettyImages-1370291020.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\/le-secteur-financier-a-lheure-du-cloud-changement-de-paradigme\/\">Le secteur financier \u00e0 l\u2019heure du cloud : un changement de paradigme\u00a0?<br><\/a><\/h3><\/a><\/div><\/div><div class=\"box-inner\"><p class=\"box-desc\">En comparaison avec d\u2019autres grands secteurs d\u2019activit\u00e9, comme la distribution ou l\u2019industrie, les services financiers accusent aujourd\u2019hui un retard significatif quant \u00e0 l\u2019adoption du cloud.<\/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\/confiance-cloud-securite-cle\/\" target=\"\" aria-label=\"<a href=&quot;https:\/\/www.capgemini.com\/fr-fr\/perspectives\/blog\/secteur-financier-cloud-acceleration\/&quot;&gt;<a href=&quot;https:\/\/www.capgemini.com\/fr-fr\/perspectives\/blog\/secteur-financier-cloud-acceleration\/&quot;&gt;Le secteur financier s\u2019ouvre au cloud : les raisons de cette acc\u00e9l\u00e9ration<\/a&gt;<\/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\/2023\/05\/GettyImages-1282633604.jpg?w=500&amp;quality=70\" srcset=\"https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2023\/05\/GettyImages-1282633604.jpg?w=500&amp;quality=70 1x, https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2023\/05\/GettyImages-1282633604.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\/secteur-financier-cloud-acceleration\/\"><a href=\"https:\/\/www.capgemini.com\/fr-fr\/perspectives\/blog\/secteur-financier-cloud-acceleration\/\">Le secteur financier s\u2019ouvre au cloud : les raisons de cette acc\u00e9l\u00e9ration<\/a><\/a><\/h3><\/a><\/div><\/div><div class=\"box-inner\"><p class=\"box-desc\">Dans le secteur bancaire en Europe, les \u00e9tudes montrent que seulement 15 % des traitements sont aujourd\u2019hui op\u00e9r\u00e9s dans le cloud.<\/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 786decff-e4ef-43d1-87a2-9706146ea79d\">\n\t\t\t\t\t\t\t\t\t<div class=\"slider-nav-wrapper smallDevice\">\n\t\t\t\t\t\t<div class=\"row\">\n\t\t\t\t\t\t\t<div class=\"col-md-12 text-center\">\n\t\t\t\t\t\t\t\t<div class=\"slider-nav\">\n\t\t\t\t\t\t\t\t\t<button class=\"slider-prev inactive\"\n\t\t\t\t\t\t\t\t\t\taria-label=\"Curseur pr\u00e9c\u00e9dent\"><\/button>\n\t\t\t\t\t\t\t\t\t<ul class=\"slider-paginator\"><\/ul>\n\t\t\t\t\t\t\t\t\t<button class=\"slider-next \"\n\t\t\t\t\t\t\t\t\t\taria-label=\"Curseur suivant\"><\/button>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\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 is-style-sapphire3\">\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=\"Cloud\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tCloud\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=\"Acc\u00e9l\u00e9rez votre transformation vers le cloud avec un partenaire de confiance\"\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\tAcc\u00e9l\u00e9rez votre transformation vers le cloud avec un partenaire de confiance\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 Cloud\"\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\/services\/cloud\/\"\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\/wp-content\/uploads\/2023\/01\/Capgemini_Mountain_landscape.jpg?w=1200&amp;quality=90 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/01\/Capgemini_Mountain_landscape.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)\" \/>\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\/2023\/01\/Capgemini_Mountain_landscape.jpg?w=600&amp;quality=90 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/01\/Capgemini_Mountain_landscape.jpg?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\/2023\/01\/Capgemini_Mountain_landscape.jpg?w=400&amp;quality=90 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/01\/Capgemini_Mountain_landscape.jpg?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\/2023\/01\/Capgemini_Mountain_landscape.jpg?w=400&amp;quality=90 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/01\/Capgemini_Mountain_landscape.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\/wp-content\/uploads\/2023\/01\/Capgemini_Mountain_landscape.jpg\"\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\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 is-style-sapphire3\">\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=\"Banques : r\u00e9duire les co\u00fbts, investir pour r\u00e9pondre aux attentes digitales, g\u00e9rer les risques et adopter des pratiques commerciales durables.\"\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\tBanques : r\u00e9duire les co\u00fbts, investir pour r\u00e9pondre aux attentes digitales, g\u00e9rer les risques et adopter des pratiques commerciales durables.\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 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https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2022\/08\/2022-FR-Capgemini_Industries_Capital-Markets.jpg?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\/2022\/08\/2022-FR-Capgemini_Industries_Capital-Markets.jpg?w=400&amp;quality=90 1x, https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2022\/08\/2022-FR-Capgemini_Industries_Capital-Markets.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\/2022\/08\/2022-FR-Capgemini_Industries_Capital-Markets.jpg\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tstyle=\"object-position: 47% 34%; 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\t\t\t\t\t<div class=\"slider-nav-wrapper largeDevice\">\n\t\t\t\t\t\t<div class=\"row\">\n\t\t\t\t\t\t\t<div class=\"col-md-12 text-center\">\n\t\t\t\t\t\t\t\t<div class=\"slider-nav\">\n\t\t\t\t\t\t\t\t\t<button class=\"slider-prev inactive\"\n\t\t\t\t\t\t\t\t\t\taria-label=\"Curseur pr\u00e9c\u00e9dent\"><\/button>\n\t\t\t\t\t\t\t\t\t<ul class=\"slider-paginator\"><\/ul>\n\t\t\t\t\t\t\t\t\t<button class=\"slider-next\"\n\t\t\t\t\t\t\t\t\t\taria-label=\"Curseur suivant\"><\/button>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t<\/div>\n\n\t\t<\/section>\n\n\t\t","protected":false},"excerpt":{"rendered":"<p>Le m\u00e9tier du paiement est \u00e0 son tour rattrap\u00e9 par la transformation num\u00e9rique et les nouveaux usages des consommateurs, et le cloud est devenu une n\u00e9cessit\u00e9 pour les acteurs du paiement\u202f.<\/p>\n","protected":false},"author":12386,"featured_media":100000984250,"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":"","cg_seo_hreflang_x_default_relation":"{\"uuid\":\"2159169f-b7de-4649-85d8-5ef3798fccc2\",\"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":"30","_jetpack_memberships_contains_paid_content":false,"footnotes":"","featured_focal_points":"{\"x\":0.45,\"y\":0.53}"},"categories":[5,138],"tags":[188,13],"brand":[30],"service":[35],"industry":[732],"partners":[],"blog-topic":[350,364,363],"content-group":[],"class_list":["post-770248","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-technologies","category-transformation","tag-cloud","tag-digital-transformation","brand-capgemini","service-cloud","industry-financial-services","blog-topic-cloud","blog-topic-innovation","blog-topic-transformation"],"yoast_head":"<!-- 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s\u00e9curit\u00e9 et conformit\u00e9 des PSP.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.capgemini.com\/fr-fr\/perspectives\/blog\/cloud-dans-les-systemes-de-paiement\/\" \/>\n<meta property=\"og:site_name\" content=\"Capgemini France\" \/>\n<meta property=\"article:published_time\" content=\"2024-12-04T07:00:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-11-21T13:24:39+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2024\/12\/Webpreview-Blog-Le-cloud-dans-les-systemes-de-paiementV2.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"640\" \/>\n\t<meta property=\"og:image:height\" content=\"360\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Laurent Lefran\u00e7ois et Christophe Vergne\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" 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