{"id":784960,"date":"2025-05-28T10:04:45","date_gmt":"2025-05-28T08:04:45","guid":{"rendered":"https:\/\/www.capgemini.com\/fr-fr\/?p=784960"},"modified":"2025-10-30T16:28:39","modified_gmt":"2025-10-30T15:28:39","slug":"invisibiliser-la-banque-de-detail-avec-le-cloud-et-lapisation","status":"publish","type":"post","link":"https:\/\/www.capgemini.com\/fr-fr\/perspectives\/blog\/invisibiliser-la-banque-de-detail-avec-le-cloud-et-lapisation\/","title":{"rendered":"Invisibiliser la banque de d\u00e9tail avec le Cloud et l\u2019APIsation"},"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>La banque de d\u00e9tail peut-elle rendre ses services si fluides et int\u00e9gr\u00e9s qu\u2019ils en deviennent invisibles ?\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\/2025\/10\/cg-logo-blue.svg?w=200&amp;quality=10\" alt=\"\" loading=\"lazy\"\/><\/div><div class=\"author-name-date\"><h5 class=\"author-name\">Guillaume Renaud, Laurent Gauzi, Stephen Minot et Henri Boulet<\/h5><h5 class=\"blog-date\">2 mai 2025<\/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\/invisibiliser-la-banque-de-detail-avec-le-cloud-et-lapisation\/\" 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\/invisibiliser-la-banque-de-detail-avec-le-cloud-et-lapisation\/\" 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\">L\u2019Invisible Banking, en s\u2019appuyant sur le Cloud et l\u2019APIsation, offre aux banques de d\u00e9tail le pouvoir de satisfaire les attentes des clients en offrant des services fluides, personnalis\u00e9s et int\u00e9gr\u00e9s, transformant l&#8217;exp\u00e9rience bancaire en une interaction sans friction.<\/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<p>Le paysage de la banque de d\u00e9tail \u00e9volue plus rapidement que jamais, la technologie dans le secteur bancaire transforme les op\u00e9rations et les attentes des clients sont de plus en plus fortes.&nbsp;<\/p>\n\n\n\n<p>Le <a href=\"https:\/\/www.capgemini.com\/fr-fr\/perspectives\/publications\/world-retail-banking-report-2025\/\" target=\"_blank\" rel=\"noreferrer noopener\">World Retail Ban<\/a><a href=\"https:\/\/www.capgemini.com\/insights\/research-library\/world-retail-banking-report\/\" target=\"_blank\" rel=\"noreferrer noopener\">king 2025<\/a> publi\u00e9 par le Capgemini Research Institute, et refl\u00e9tant la vue de plus de 8 000 clients de l\u2019industrie bancaire, d\u00e9montre qu\u2019attirer, engager et satisfaire les utilisateurs est fondamental pour naviguer dans cet environnement p\u00e9rilleux.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-invisibiliser-la-banque-de-detail-en-2025-a-travers-migration-cloud-et-apisation-nbsp\"><strong>Invisibiliser la banque de d\u00e9tail en 2025 \u00e0 travers migration Cloud et APIsation.<\/strong>&nbsp;<\/h3>\n\n\n\n<p>Dans ce contexte d\u2019exigences clients de plus en plus fortes, les banques de d\u00e9tail doivent \u00e9laborer des strat\u00e9gies op\u00e9rationnelles efficaces pour adresser intelligemment ces demandes en constante \u00e9volution\u202f:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Exp\u00e9rience digitale fluide : <\/strong>une navigation sans friction, des services intuitifs et une s\u00e9curit\u00e9 renforc\u00e9e<\/li>\n\n\n\n<li><strong>Personnalisation : <\/strong>des offres sur mesure, un accompagnement adapt\u00e9 et un suivi proactif<\/li>\n\n\n\n<li><strong>Transparence et r\u00e9activit\u00e9 :<\/strong> une gestion simplifi\u00e9e, des frais clairs et des r\u00e9ponses rapides<\/li>\n<\/ul>\n\n\n\n<p>Port\u00e9es par les derni\u00e8res avanc\u00e9es technologiques, l\u2019Invisible Banking est une r\u00e9ponse cl\u00e9 aux besoins client. Cette approche vise \u00e0 int\u00e9grer les services bancaires de mani\u00e8re transparente dans les activit\u00e9s quotidiennes des utilisateurs, sans n\u00e9cessiter d&#8217;intervention humaine directe :&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Paiements int\u00e9gr\u00e9s :<\/strong> simplification des paiements dans les parcours d&#8217;achat, o\u00f9 un simple clic suffit pour commander et payer<\/li>\n\n\n\n<li><strong>Internet des Objets (IoT) : <\/strong>utilisation de dispositifs connect\u00e9s (lunettes, bracelets) pour effectuer des paiements sans carte bancaire ou smartphone&nbsp;<\/li>\n\n\n\n<li><strong>Embedded Banking : <\/strong>int\u00e9gration de services bancaires dans des parcours non bancaires, comme la bancassurance int\u00e9gr\u00e9e dans des achats de v\u00e9hicules&nbsp;<\/li>\n\n\n\n<li><strong>Recommandations financi\u00e8res en temps r\u00e9el : <\/strong>assistants virtuels fournissant des conseils financiers personnalis\u00e9s bas\u00e9s sur les donn\u00e9es collect\u00e9es&nbsp;<\/li>\n<\/ul>\n\n\n\n<p>Afin de r\u00e9pondre \u00e0 ces promesses de l\u2019Invisible Banking, les organisations doivent extraire la valeur du Cloud et de l\u2019APIsation, \u00e0 travers flexibilit\u00e9 et interconnexion de syst\u00e8mes.&nbsp;&nbsp;<\/p>\n\n\n\n<p>Capgemini Invent vise \u00e0 soutenir les entreprises dans l&#8217;adoption de ces technologies. Les cas d\u2019usages doivent \u00eatre prioris\u00e9s par la valeur et soutenus par une infrastructure technologique adapt\u00e9e, pour garantir l&#8217;int\u00e9gration transparente des services financiers dans les activit\u00e9s quotidiennes, rendant les transactions sans frictions et fluides.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-retour-sur-experience-la-transformation-cloud-d-un-acteur-majeur-de-la-banque-de-detail-pour-soutenir-sa-transformation-vers-l-invisible-banking-nbsp\"><strong>Retour sur exp\u00e9rience : la transformation Cloud d\u2019un acteur majeur de la banque de d\u00e9tail pour soutenir sa transformation vers l\u2019Invisible Banking<\/strong>&nbsp;<\/h3>\n\n\n\n<p><strong>Une d\u00e9marche de transformation cloud orient\u00e9e valeur<\/strong>&nbsp;<\/p>\n\n\n\n<p>Un acteur majeur de la banque de d\u00e9tail, accompagn\u00e9 par Capgemini, a su d\u00e9ployer la transformation de son cloud, \u00e0 travers une approche en 3 temps :&nbsp;&nbsp;<\/p>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li><strong>SCAN : <\/strong>une \u00e9valuation approfondie de la maturit\u00e9 des services cloud pr\u00e9existants et des besoins sp\u00e9cifiques a \u00e9t\u00e9 r\u00e9alis\u00e9e&nbsp;<\/li>\n\n\n\n<li><strong>FOCUS :<\/strong> une feuille de route de migration d\u00e9taill\u00e9e a \u00e9t\u00e9 d\u00e9finie, int\u00e9grant les impacts financiers et op\u00e9rationnels&nbsp;<\/li>\n\n\n\n<li><strong>ACT : <\/strong>un mod\u00e8le op\u00e9rationnel adapt\u00e9 a \u00e9t\u00e9 mis en place, avec les outils et processus n\u00e9cessaires \u00e0 l&#8217;adoption du cloud. Enfin, cela s&#8217;accompagne d&#8217;un programme de transformation cloud de bout en bout, incluant la gouvernance et le cockpit, la r\u00e9alisation de la valeur, la gestion de la demande et l&#8217;autorit\u00e9 de conception&nbsp;<\/li>\n<\/ol>\n\n\n\n<p>Cette approche ax\u00e9e sur la valeur a permis une transition en douceur vers le cloud, avec des co\u00fbts r\u00e9duits, une efficacit\u00e9 am\u00e9lior\u00e9e et une valeur significative cr\u00e9\u00e9e pour l&#8217;organisation.&nbsp;<\/p>\n\n\n\n<p><strong>D\u00e9verrouillage des potentialit\u00e9s via l\u2019APIsation<\/strong>&nbsp;<\/p>\n\n\n\n<p>En parall\u00e8le de la transformation Cloud, l&#8217;int\u00e9gration des API est cl\u00e9 afin de mettre en place une structure d\u2019Invisible banking. Capgemini Invent accompagne ses clients vers l\u2019APIsation au travers d\u2019une approche toujours centr\u00e9e vers la valeur m\u00e9tier.&nbsp;<\/p>\n\n\n\n<p>Une communication fluide entre les syst\u00e8mes bancaires et les applications tierces est ainsi permise pour offrir des services financiers int\u00e9gr\u00e9s dans la vie quotidienne des utilisateurs :&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Int\u00e9gration de tiers : <\/strong>les API permettent aux banques de collaborer avec les fintechs et autres partenaires pour offrir des services financiers transparents. Par exemple, un service de paiement peut \u00eatre int\u00e9gr\u00e9 dans une application afin de permettre aux utilisateurs de payer sans avoir \u00e0 passer par leur interface bancaire&nbsp;<\/li>\n\n\n\n<li><strong>Distribution multicanale : <\/strong>les services bancaires peuvent \u00eatre accessibles \u00e0 travers les API via divers dispositifs connect\u00e9s, comme les smartphones et les appareils IoT, assurant une disponibilit\u00e9 continue&nbsp;<\/li>\n<\/ul>\n\n\n\n<p>Pour en savoir plus sur la transformation du parcours client et de la banque de d\u00e9tail en 2025, retrouvez <a href=\"https:\/\/www.capgemini.com\/fr-fr\/perspectives\/publications\/world-retail-banking-report-2025\/\" target=\"_blank\" rel=\"noreferrer noopener\">ici<\/a> le World Retail Banking 2025 publi\u00e9 par le Capgemini Research Institute.&nbsp;<\/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\/2025\/05\/Guillaume-Renaud.jpeg\" alt=\"Guillaume Renaud\"\/>\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\/grenaud74\/\"><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\">Guillaume Renaud<\/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>Partner CIO Advisory &#8211; Head of Cloud, I&amp;O Transformation &amp; GenAI for Software Engineering, Capgemini Invent\u200b<\/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\/grenaud74\/\"><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\">Guillaume dirige la practice Cloud Business Transformation et les offres autour de G\u00e9n\u00e9rative AI pour les domaines IT. Guillaume est un expert du Cloud Public et du Cloud de Confiance, il a accompagn\u00e9 de nombreux clients dans leur programme de transformation I&#038;0 en mode platform et a particip\u00e9 \u00e0 la cr\u00e9ation de BLEU.<\/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\/2023\/08\/Design-sans-titre-5.png\" alt=\"Laurent Gauzi\"\/>\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-gauzi-30a28b\/\"><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 Gauzi<\/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<\/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-gauzi-30a28b\/\"><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 au sein de la division Business Technology de Capgemini Invent France, Laurent Gauzi a plus de 25 ann\u00e9es d\u2019exp\u00e9rience en transformation d\u2019organisations dans le secteur banque (plans strat\u00e9giques IT et de performance, pilotage de programme m\u00e9tier et IT) et l\u2019assurance (plateformes digitales\/data et plans d\u2019optimisation). Il couvre notamment les sujets tels que la strat\u00e9gie IT, le Cloud et la data, la modernisation des SI. Il anime la tribu Financial Services au sein de Business Technology de Capgemini Invent France<\/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\/2025\/05\/Stephen-Minot.jpeg\" alt=\"Stephen Minot\"\/>\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\/stphen-minot-5a422a71\/\"><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\">Stephen Minot<\/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>Managing Consultant, Business Technology Capgemini Invent\u200b<\/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\/stphen-minot-5a422a71\/\"><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\u00e9phen est sp\u00e9cialis\u00e9 dans la Transformation des Syst\u00e8mes d&#8217;Information au sein des grandes institutions financi\u00e8res depuis plus de 8 ans, sur les activit\u00e9s de banque de d\u00e9tail et des services financiers sp\u00e9cialis\u00e9s. Il est notamment expert des sujets de gouvernance de la DSI, de pilotage de grands programmes de transformation et de r\u00e9alisation de mod\u00e8les op\u00e9rationnels li\u00e9s au pilotage des Productions Informatiques.\u200b<\/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\/2025\/05\/Henri-Boulet.jpeg\" alt=\"Henri Boulet\"\/>\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\/henri-boulet-04b409166\/\"><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\">Henri Boulet<\/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 Business Technology, Capgemini Invent\u200b<\/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\/henri-boulet-04b409166\/\"><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, Henri travaille aupr\u00e8s des DSI du secteur financier sur leurs activit\u00e9s conformit\u00e9, Cloud, et Retail, contribuant \u00e0 la r\u00e9ussite de leurs transformations IT.\u200b<\/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=\"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 updated-new-sample-amal learnMoreBlock\"><div class=\"container\"><div class=\"content-title\"><h2 class=\"learnmore-heading\">D\u00e9couvrez nos articles de blog d\u00e9di\u00e9s \u00e0 la banque de d\u00e9tail<\/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\/construire-la-resilience-avec-le-platform-engineering\/\u2197\" target=\"_blank\" aria-label=\"Construire la r\u00e9silience avec le Platform engineering\" rel=\"noopener noreferrer\"><div class=\"box-img-wrapper\"><img decoding=\"async\" src=\"https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2025\/05\/GettyImages-2186736163.jpeg?w=500&amp;quality=70\" srcset=\"https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2025\/05\/GettyImages-2186736163.jpeg?w=500&amp;quality=70 1x, https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2025\/05\/GettyImages-2186736163.jpeg?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\">Construire la r\u00e9silience avec le Platform engineering<\/h3><\/a><\/div><\/div><div class=\"box-inner\"><\/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\/passer-de-lexperimentation-a-la-transformation-de-la-banque-de-detail-avec-la-gen-ai\/\u2197\" target=\"_blank\" 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;Passer de l\u2019exp\u00e9rimentation \u00e0 la transformation de la banque de d\u00e9tail avec la GenAI<\/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\/2025\/05\/GettyImages-1917134691.jpeg?w=500&amp;quality=70\" srcset=\"https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2025\/05\/GettyImages-1917134691.jpeg?w=500&amp;quality=70 1x, https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2025\/05\/GettyImages-1917134691.jpeg?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\/\">Passer de l\u2019exp\u00e9rimentation \u00e0 la transformation de la banque de d\u00e9tail avec la GenAI<\/a><\/h3><\/a><\/div><\/div><div class=\"box-inner\"><\/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\/hyper-personnaliser-la-banque-de-detail-a-travers-une-approche-hyper-ethique\/\u2197\" target=\"_blank\" aria-label=\"Hyper-personnaliser la banque de d\u00e9tail \u00e0 travers une approche hyper-\u00e9thique\" rel=\"noopener noreferrer\"><div class=\"box-img-wrapper\"><img decoding=\"async\" src=\"https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2025\/05\/Business-people-in-the-office.-1487838142_5478x3652.jpeg?w=500&amp;quality=70\" srcset=\"https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2025\/05\/Business-people-in-the-office.-1487838142_5478x3652.jpeg?w=500&amp;quality=70 1x, https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2025\/05\/Business-people-in-the-office.-1487838142_5478x3652.jpeg?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\">Hyper-personnaliser la banque de d\u00e9tail \u00e0 travers une approche hyper-\u00e9thique<\/h3><\/a><\/div><\/div><div class=\"box-inner\"><\/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 1cdb9093-548c-46ac-8d53-9b01e01418db\">\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-default\">\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=\"Business Technology\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tBusiness Technology\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=\"La techologie transforme l\u2019entreprise : plus agile, r\u00e9siliente et durable gr\u00e2ce aux solutions cloud natives \u00e9volutives.\"\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\tLa techologie transforme l\u2019entreprise : plus agile, r\u00e9siliente et durable gr\u00e2ce aux solutions cloud natives \u00e9volutives.\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 Business Technology\"\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\/gestion-entreprise\/tranformation-dentreprise\/technologie-metier\/\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\ttarget=\"_blank\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tEn savoir plus\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/a> <\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\n\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"col-md-6 col-sm-12 text-right box-img-wrapper escaper escaper-right\">\n\t\t\t\t\t\t\t\t\t\t\t\t\n\n\t\t\t\t\t\t\t\t\t\t\t\t<picture>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<source\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tsrcset=\"https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2025\/05\/shutterstock_602578049.webp?w=1200&amp;quality=90 1x, https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2025\/05\/shutterstock_602578049.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\/fr-fr\/wp-content\/uploads\/sites\/6\/2025\/05\/shutterstock_602578049.webp?w=600&amp;quality=90 1x, https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2025\/05\/shutterstock_602578049.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\/fr-fr\/wp-content\/uploads\/sites\/6\/2025\/05\/shutterstock_602578049.webp?w=400&amp;quality=90 1x, https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2025\/05\/shutterstock_602578049.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\/fr-fr\/wp-content\/uploads\/sites\/6\/2025\/05\/shutterstock_602578049.webp?w=400&amp;quality=90 1x, https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2025\/05\/shutterstock_602578049.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\/fr-fr\/wp-content\/uploads\/sites\/6\/2025\/05\/shutterstock_602578049.webp\"\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-default\">\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=\"World Retail Banking 2025\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tWorld Retail Banking 2025\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=\"Attirer, engager et satisfaire : la dynamique vertueuse de la centricit\u00e9 client.\"\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\tAttirer, engager et satisfaire : la dynamique vertueuse de la centricit\u00e9 client.\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 World Retail Banking 2025\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\ttitle=\"Opens in new window\" tabindex=\"-1\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\thref=\"https:\/\/www.capgemini.com\/fr-fr\/perspectives\/publications\/world-retail-banking-report-2025\/\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\ttarget=\"_blank\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tEn savoir plus\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/a> <\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\n\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"col-md-6 col-sm-12 text-right box-img-wrapper escaper escaper-right\">\n\t\t\t\t\t\t\t\t\t\t\t\t\n\n\t\t\t\t\t\t\t\t\t\t\t\t<picture>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<source\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tsrcset=\"https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2025\/05\/Website-hero-banner-2880x1800-1.webp?w=1200&amp;quality=90 1x, https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2025\/05\/Website-hero-banner-2880x1800-1.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\/fr-fr\/wp-content\/uploads\/sites\/6\/2025\/05\/Website-hero-banner-2880x1800-1.webp?w=600&amp;quality=90 1x, https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2025\/05\/Website-hero-banner-2880x1800-1.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\/fr-fr\/wp-content\/uploads\/sites\/6\/2025\/05\/Website-hero-banner-2880x1800-1.webp?w=400&amp;quality=90 1x, https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2025\/05\/Website-hero-banner-2880x1800-1.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\/fr-fr\/wp-content\/uploads\/sites\/6\/2025\/05\/Website-hero-banner-2880x1800-1.webp?w=400&amp;quality=90 1x, https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2025\/05\/Website-hero-banner-2880x1800-1.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\/fr-fr\/wp-content\/uploads\/sites\/6\/2025\/05\/Website-hero-banner-2880x1800-1.webp\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tstyle=\"object-position: 50% 50%; object-fit: cover;\" alt=\"\" \/>\n\n\t\t\t\t\t\t\t\t\t\t\t\t<\/picture>\n\t\t\t\t\t\t\t\t\t\t\t\t<!-- <img decoding=\"async\" class=\"box-img\" src=\"\"\n\t\t\t\t\t\t\t\t\t\t\tstyle=\"\" alt=\"\"\n\t\t\t\t\t\t\t\t\t\t\/> -->\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"\">\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"slide-reveal\"><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\n\t\t\t\t<\/div>\n\n\t\t\t\t\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>L\u2019Invisible Banking, en s\u2019appuyant sur le Cloud et l\u2019APIsation, offre aux banques de d\u00e9tail le pouvoir de satisfaire les attentes des clients en offrant des services fluides, personnalis\u00e9s et int\u00e9gr\u00e9s, transformant l&#8217;exp\u00e9rience bancaire en une interaction sans friction.<\/p>\n","protected":false},"author":12419,"featured_media":785018,"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":"","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":[138],"tags":[188,13],"brand":[31],"service":[35,29],"industry":[27],"partners":[],"blog-topic":[350,363],"content-group":[],"class_list":["post-784960","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-transformation","tag-cloud","tag-digital-transformation","brand-capgemini-invent","service-cloud","service-business-innovation-transformation","industry-banques","blog-topic-cloud","blog-topic-transformation"],"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>Invisibiliser la banque de d\u00e9tail avec le Cloud et l\u2019APIsation - Capgemini France<\/title>\n<meta name=\"description\" content=\"L\u2019Invisible Banking, en s\u2019appuyant sur le Cloud et l\u2019APIsation, offre aux banques de d\u00e9tail le pouvoir de satisfaire les attentes des clients en offrant des services fluides, personnalis\u00e9s et int\u00e9gr\u00e9s, transformant l&#039;exp\u00e9rience bancaire en une interaction sans friction.\" \/>\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\/invisibiliser-la-banque-de-detail-avec-le-cloud-et-lapisation\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Invisibiliser la banque de d\u00e9tail avec le Cloud et l\u2019APIsation\" \/>\n<meta property=\"og:description\" content=\"L\u2019Invisible Banking, en s\u2019appuyant sur le Cloud et l\u2019APIsation, offre aux banques de d\u00e9tail le pouvoir de satisfaire les attentes des clients en offrant des services fluides, personnalis\u00e9s et int\u00e9gr\u00e9s, transformant l&#039;exp\u00e9rience bancaire en une interaction sans friction.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.capgemini.com\/fr-fr\/perspectives\/blog\/invisibiliser-la-banque-de-detail-avec-le-cloud-et-lapisation\/\" \/>\n<meta property=\"og:site_name\" content=\"Capgemini France\" \/>\n<meta property=\"article:published_time\" content=\"2025-05-28T08:04:45+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-10-30T15:28:39+00:00\" \/>\n<meta property=\"og:image\" 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