{"id":785024,"date":"2025-05-13T10:08:11","date_gmt":"2025-05-13T08:08:11","guid":{"rendered":"https:\/\/www.capgemini.com\/fr-fr\/?p=785024"},"modified":"2025-10-30T16:34:29","modified_gmt":"2025-10-30T15:34:29","slug":"passer-de-lexperimentation-a-la-transformation-de-la-banque-de-detail-avec-la-genai","status":"publish","type":"post","link":"https:\/\/www.capgemini.com\/fr-fr\/perspectives\/blog\/passer-de-lexperimentation-a-la-transformation-de-la-banque-de-detail-avec-la-gen-ai\/","title":{"rendered":"Passer de l\u2019exp\u00e9rimentation \u00e0 la transformation de la banque de d\u00e9tail avec la GenAI\u00a0"},"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>Au-del\u00e0 des simples promesses, la banque de d\u00e9tail saura-t-elle actionner les v\u00e9ritables gains de l\u2019IA g\u00e9n\u00e9rative\u202fen 2025 ?\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\">Adil Hihi, Damien Coffinier, Laurent Gauzi, Stephen Minot et Henri Boulet<\/h5><h5 class=\"blog-date\">13 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 is-style-default\"><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\/passer-de-lexperimentation-a-la-transformation-de-la-banque-de-detail-avec-la-gen-ai\/\" 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\/passer-de-lexperimentation-a-la-transformation-de-la-banque-de-detail-avec-la-gen-ai\/\" 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\u2019IA g\u00e9n\u00e9rative, tir\u00e9e par une approche par la valeur, apporte \u00e0 la banque de d\u00e9tail les solutions transformatrices afin d\u2019anticiper les besoins clients, renforcer la s\u00e9curit\u00e9 et acc\u00e9l\u00e9rer le d\u00e9veloppement.<\/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 Banking 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-passer-de-l-experimentation-a-la-transformation-de-la-banque-de-detail-avec-l-ia-generative-nbsp\"><strong>Passer de l\u2019exp\u00e9rimentation \u00e0 la transformation de la banque de d\u00e9tail avec l\u2019IA g\u00e9n\u00e9rative<\/strong>&nbsp;<\/h3>\n\n\n\n<p>Influenc\u00e9es par l\u2019engouement intense autour du GenAI et les promesses associ\u00e9es, les banques de d\u00e9tail ont jusqu\u2019\u00e0 pr\u00e9sent navigu\u00e9 dans une phase exploratoire, \u00e0 l\u2019\u00e9coute des potentialit\u00e9s. Aujourd\u2019hui une nouvelle \u00e9tape s&#8217;ouvre, avec la volont\u00e9 d\u2019\u00e9valuer l&#8217;impact r\u00e9el de l\u2019IA g\u00e9n\u00e9rative afin qu\u2019\u00e9mergent les premiers b\u00e9n\u00e9fices identifi\u00e9s pour les m\u00e9tiers IT.&nbsp;<\/p>\n\n\n\n<p>Ce besoin d\u2019\u00e9valuation s\u2019inscrit dans un contexte g\u00e9opolitique incertain, un impact environnemental \u00e0 mesurer, et un cadre r\u00e8glementaire \u00e0 adresser par les banques de d\u00e9tail. L\u2019EU AI Act, adopt\u00e9 l\u2019ann\u00e9e derni\u00e8re, exige ainsi des banques une harmonisation du d\u00e9veloppement et de l&#8217;utilisation de l&#8217;intelligence artificielle, pour garantir la s\u00e9curit\u00e9 et les droits des clients europ\u00e9ens.&nbsp;<\/p>\n\n\n\n<p>Les banques doivent alors converger vers une IA g\u00e9n\u00e9rative responsable et innovante, en prenant soin d&#8217;\u00e9viter les r\u00e9cifs des promesses irr\u00e9alistes.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-retour-sur-experience-une-approche-genai-orientee-valeur-au-service-de-l-it-management-nbsp-nbsp\"><strong>Retour sur exp\u00e9rience : Une approche GenAI orient\u00e9e valeur, au service de l\u2019IT management&nbsp;<\/strong>&nbsp;<\/h3>\n\n\n\n<p>En mettant en \u0153uvre une approche \u00ab\u202forient\u00e9e valeur\u202f\u00bb, Capgemini a appuy\u00e9 une banque de d\u00e9tail dans transformation GenAI, en mettant l\u2019accent simultan\u00e9ment sur les b\u00e9n\u00e9fices ET les impacts techniques concrets de l\u2019IA g\u00e9n\u00e9rative.&nbsp;<\/p>\n\n\n\n<p>L\u2019approche se fonde sur la conviction de <strong>passer d\u2019une utilisation standard<\/strong> de l\u2019IA g\u00e9n\u00e9rative, reposant sur des mod\u00e8les publics g\u00e9n\u00e9riques, <strong>\u00e0 des solutions transformatrices<\/strong>, personnalis\u00e9es, s\u00e9curis\u00e9es, et en conformit\u00e9.&nbsp;<\/p>\n\n\n\n<p>Centr\u00e9 sur la valeur, nous avons <strong>qualifi\u00e9 et prioris\u00e9 les cas d\u2019utilisation<\/strong> pour qu\u2019ils puissent r\u00e9pondre \u00e0 trois b\u00e9n\u00e9fices majeurs.&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Am\u00e9liorer l&#8217;exp\u00e9rience client\u202f: <\/strong>En combinant mod\u00e8les analytiques de Deep Learning et IA g\u00e9n\u00e9rative, la banque doit pouvoir analyser les donn\u00e9es clients pour anticiper leurs besoins et g\u00e9n\u00e9rer des recommandations sur mesure<strong>.<\/strong> Des services personnalis\u00e9s sont alors fournis aux clients lors des moments cl\u00e9s de son parcours bancaire. Des signes de fragilit\u00e9 financi\u00e8re peuvent ainsi \u00eatre identifi\u00e9s pour g\u00e9n\u00e9rer des conseils budg\u00e9taires personnalis\u00e9s.&nbsp;<\/li>\n\n\n\n<li><strong>Am\u00e9liorer la s\u00e9curit\u00e9 des applications\u202f:<\/strong> Les vuln\u00e9rabilit\u00e9s et les menaces potentielles doivent \u00eatre identifi\u00e9es et trait\u00e9es sans d\u00e9lai. Les mod\u00e8les LLM d\u2019IA g\u00e9n\u00e9ratives peuvent ainsi d\u00e9tecter facilement les mails de pishing et l\u2019injection de codes malicieux.&nbsp;<\/li>\n\n\n\n<li><strong>Acc\u00e9l\u00e9rer l&#8217;introduction de nouveaux services et fonctionnalit\u00e9s bancaires\u202f:<\/strong> L\u2019IA g\u00e9n\u00e9rative est int\u00e9gr\u00e9e dans les process de d\u00e9veloppements des produits de la banque de d\u00e9tail, en garantissant la robustesse tout au long du cycle de d\u00e9veloppement. En assistance aux \u00e9quipes IT, elle g\u00e9n\u00e8re du code, documente automatiquement l\u2019architecture logicielle et d\u00e9tecte les incoh\u00e9rences d\u00e8s la phase de conception.&nbsp;<\/li>\n<\/ul>\n\n\n\n<p><strong>Des pr\u00e9requis techniques, \u00e0 traiter d\u00e8s le lancement du projet<\/strong>&nbsp;<\/p>\n\n\n\n<p>Pour initier rapidement le d\u00e9ploiement de l\u2019IA g\u00e9n\u00e9rative, il est indispensable de traiter sans tarder <strong>les pr\u00e9requis techniques parall\u00e8lement \u00e0 l&#8217;\u00e9valuation des cas d\u2019usages prioritaires<\/strong>. Cela se traduit par les \u00e9valuations des \u00e9carts, une planification des rem\u00e9diations, la r\u00e9alisation des activit\u00e9s de rem\u00e9diation et la conduite d&#8217;audits internes. Dans le contexte des r\u00e9glementations actuelles et \u00e0 venir, cette approche doit \u00eatre bas\u00e9e sur une anticipation forte des r\u00e8glementations.&nbsp;&nbsp;<\/p>\n\n\n\n<p><strong>Une ing\u00e9nierie logicielle acc\u00e9l\u00e9r\u00e9e et s\u00e9curis\u00e9e<\/strong>&nbsp;<\/p>\n\n\n\n<p>En accompagnant les m\u00e9tiers dans le d\u00e9ploiement de l\u2019IA g\u00e9n\u00e9rative pour l\u2019ing\u00e9nierie logicielle, et sur la base de ces convictions, nous avons permis :&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>L\u2019acc\u00e9l\u00e9ration et la s\u00e9curisation du cycle de d\u00e9veloppement logiciel&nbsp;<\/strong>&nbsp;<\/li>\n\n\n\n<li><strong>Une documentation de l\u2019architecture automatiquement g\u00e9n\u00e9r\u00e9e <\/strong>selon un niveau d\u2019exigence pr\u00e9d\u00e9fini&nbsp;&nbsp;<\/li>\n\n\n\n<li>Un temps et une charge de <strong>d\u00e9veloppement r\u00e9duit<\/strong>&nbsp;<\/li>\n\n\n\n<li><strong>Un renforcement de la coh\u00e9rence des mod\u00e8les de conception <\/strong>\u00e0 travers le projet&nbsp;<\/li>\n<\/ul>\n\n\n\n<p>Pour en savoir plus sur la transformation de la banque de d\u00e9tail par l\u2019IA g\u00e9n\u00e9rative, 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.<\/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\/Adil-Hihi.jpeg\" alt=\"Adil Hihi\"\/>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"col-md-6 col-lg-8 box-inner\">\n\t\t\t\t\t\t<div class=\"row title-social-media-header\">\n\t\t\t\t\t\t\t<div class=\"col-md-12 col-lg-6 mbl-social-icon\">\n\t\t\t\t\t\t\t\t<ul class=\"social-nav\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li><a aria-label=\"Linkedin\" target=\"_blank\" title=\"Ouvrir dans une nouvelle fen\u00eatre\" href=\"https:\/\/www.linkedin.com\/in\/adil-hihi-17118085\/\"><i aria-hidden=\"true\" class=\"icon-li\"><\/i><\/a><\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"col-md-12 col-lg-6 box-container\">\n\t\t\t\t\t\t\t\t<div class=\"box-title\">\n\t\t\t\t\t\t\t\t\t<h3 class=\"people-profile-title\">Adil Hihi<\/h3>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span>Director, Strategy &amp; Transformation, 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\/adil-hihi-17118085\/\"><i aria-hidden=\"true\" class=\"icon-li\"><\/i><\/a><\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"people-info\">Adil, Directeur chez Capgemini Invent, dispose de plus de 8 ann\u00e9es d&#8217;exp\u00e9rience en transformation des DSIs en tirant partie des nouvelles technologies, en particulier dans le secteur bancaire. Il accompagne aujourd&#8217;hui les DSIs dans l&#8217;am\u00e9lioration de leur efficience et qualit\u00e9 de service via l&#8217;exploitation et la ma\u00eetrise des leviers Data \/ AI et Gen AI (Software Engineering, IT Operations, etc.)<\/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\/Damien-Coffinier.png\" alt=\"Damien Coffinier\"\/>\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<\/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\">Damien Coffinier<\/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, Head of Banking Industry, 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<\/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\">Damien est Vice-President Invent \u2013 Head of Banking Industry. Damien a 25 ans d\u2019exp\u00e9rience dans le conseil et la Banque de d\u00e9tail avec quatre domaines d\u2019expertise : d\u00e9veloppement du PNB, efficacit\u00e9 op\u00e9rationnelle, grands programmes de transformation, innovation (Data, IA)\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\/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\/invisibiliser-la-banque-de-detail-avec-le-cloud-et-lapisation\/\u2197\" target=\"_blank\" aria-label=\"Invisibiliser la banque de d\u00e9tail avec le Cloud et l\u2019APIsation\" 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-2148852052.jpeg?w=500&amp;quality=70\" srcset=\"https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2025\/05\/GettyImages-2148852052.jpeg?w=500&amp;quality=70 1x, https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2025\/05\/GettyImages-2148852052.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\">Invisibiliser la banque de d\u00e9tail avec le Cloud et l\u2019APIsation<\/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=\"<a href=&quot;https:\/\/www.capgemini.com\/fr-fr\/perspectives\/blog\/hyper-personnaliser-la-banque-de-detail-a-travers-une-approche-hyper-ethique\/\u2197&quot;&gt;Hyper-personnaliser la banque de d\u00e9tail \u00e0 travers une approche hyper-\u00e9thique<\/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\/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\"><a href=\"https:\/\/www.capgemini.com\/fr-fr\/perspectives\/blog\/hyper-personnaliser-la-banque-de-detail-a-travers-une-approche-hyper-ethique\/\u2197\">Hyper-personnaliser la banque de d\u00e9tail \u00e0 travers une approche hyper-\u00e9thique<\/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\/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_cc5770.jpeg?w=500&amp;quality=70\" srcset=\"https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2025\/05\/GettyImages-2186736163_cc5770.jpeg?w=500&amp;quality=70 1x, https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2025\/05\/GettyImages-2186736163_cc5770.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><\/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 16a52463-f3b0-4a2a-90ce-70f10b16fab3\">\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\u2019IA g\u00e9n\u00e9rative, tir\u00e9e par une approche par la valeur, apporte \u00e0 la banque de d\u00e9tail les solutions transformatrices afin d\u2019anticiper les besoins clients, renforcer la s\u00e9curit\u00e9 et acc\u00e9l\u00e9rer le d\u00e9veloppement.<\/p>\n","protected":false},"author":12419,"featured_media":785100,"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":[174,13],"brand":[31],"service":[49],"industry":[27],"partners":[],"blog-topic":[359,363],"content-group":[],"class_list":["post-785024","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-transformation","tag-ia-et-data","tag-digital-transformation","brand-capgemini-invent","service-ia-data","industry-banques","blog-topic-ia-data","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>Passer de l\u2019exp\u00e9rimentation \u00e0 la transformation de la banque de d\u00e9tail avec la GenAI\u00a0 - Capgemini France<\/title>\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\/passer-de-lexperimentation-a-la-transformation-de-la-banque-de-detail-avec-la-gen-ai\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Passer de l\u2019exp\u00e9rimentation \u00e0 la transformation de la banque de d\u00e9tail avec la GenAI\u00a0\" \/>\n<meta property=\"og:description\" content=\"L\u2019IA g\u00e9n\u00e9rative, tir\u00e9e par une approche par la valeur, apporte \u00e0 la banque de d\u00e9tail les solutions transformatrices afin d\u2019anticiper les besoins clients, renforcer la s\u00e9curit\u00e9 et acc\u00e9l\u00e9rer le d\u00e9veloppement.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.capgemini.com\/fr-fr\/perspectives\/blog\/passer-de-lexperimentation-a-la-transformation-de-la-banque-de-detail-avec-la-gen-ai\/\" \/>\n<meta property=\"og:site_name\" content=\"Capgemini France\" \/>\n<meta property=\"article:published_time\" content=\"2025-05-13T08:08:11+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-10-30T15:34:29+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2025\/05\/Webpreview-Article-BT-3.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1280\" \/>\n\t<meta property=\"og:image:height\" content=\"720\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Adil Hihi, Damien Coffinier, Laurent Gauzi, Stephen Minot 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