{"id":785035,"date":"2025-05-23T10:09:10","date_gmt":"2025-05-23T08:09:10","guid":{"rendered":"https:\/\/www.capgemini.com\/fr-fr\/?p=785035"},"modified":"2025-10-30T16:31:14","modified_gmt":"2025-10-30T15:31:14","slug":"hyper-personnaliser-la-banque-de-detail-a-travers-une-approche-hyper-ethique","status":"publish","type":"post","link":"https:\/\/www.capgemini.com\/fr-fr\/perspectives\/blog\/hyper-personnaliser-la-banque-de-detail-a-travers-une-approche-hyper-ethique\/","title":{"rendered":"Hyper-personnaliser la banque de d\u00e9tail \u00e0 travers une approche hyper-\u00e9thique"},"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 r\u00e9pondre aux besoins d\u2019hyper-personnalisation sans recourir \u00e0 des algorithmes d\u2019IA non \u00e9thiques ?\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\">Laurent Gauzi, Stephen Minot et Henri Boulet<\/h5><h5 class=\"blog-date\">23 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\/hyper-personnaliser-la-banque-de-detail-a-travers-une-approche-hyper-ethique\/\" 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\/hyper-personnaliser-la-banque-de-detail-a-travers-une-approche-hyper-ethique\/\" 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\u2019hyper-personnalisation, guid\u00e9e par l\u2019\u00e9thique et la responsabilit\u00e9, renforce la confiance client pour proposer des services toujours plus sur mesure.<\/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-hyper-personnaliser-la-banque-de-detail-a-travers-une-approche-hyper-ethique-nbsp\"><strong>Hyper-personnaliser la banque de d\u00e9tail \u00e0 travers une approche hyper-\u00e9thique.<\/strong>&nbsp;<\/h3>\n\n\n\n<p>Alors que les agences physiques et leurs am\u00e9nagements conventionnels deviennent obsol\u00e8tes avec la diminution des visites (acc\u00e9l\u00e9r\u00e9e par le Covid), les clients recherchent des services num\u00e9riques de plus en plus diversifi\u00e9s. Des services transactionnels historiques, ils attendent d\u00e9sormais une <strong>exp\u00e9rience commerciale am\u00e9lior\u00e9e<\/strong>, avec une relation personnalis\u00e9e, <strong>moins de friction dans l&#8217;interaction<\/strong>, et des suggestions en <strong>temps r\u00e9el <\/strong>adapt\u00e9es \u00e0 leurs habitudes consommateurs.&nbsp;<\/p>\n\n\n\n<p>L&#8217;hyper-personnalisation devenue un besoin cl\u00e9, les banques de d\u00e9tail doivent trouver un \u00e9quilibre et le bon mod\u00e8le dans un environnement phygital. Les clients cherchent des services en libre-service simples et efficaces, leur permettant d\u2019effectuer leurs op\u00e9rations rapidement. Mais ces besoins s\u2019inscrivent dans un contexte r\u00e8glementaire renforc\u00e9e, et des objectifs de r\u00e9duction des co\u00fbts op\u00e9rationnels. Les processus d\u2019hyper-personnalisation doivent \u00eatre r\u00e9gul\u00e9s, optimis\u00e9s et automatis\u00e9s tout en maintenant un haut niveau de service pour rester comp\u00e9titif.&nbsp;<\/p>\n\n\n\n<p>En tirant parti des algorithmes avanc\u00e9s de <strong>Machine learning,<\/strong> les banques peuvent r\u00e9pondre \u00e0 ces exigences. Surveiller les r\u00e9actions des utilisateurs aux <strong>contenus en temps r\u00e9el<\/strong>, permet d\u2019obtenir des informations pr\u00e9cieuses sur les pr\u00e9f\u00e9rences et les comportements des clients. Associ\u00e9 \u00e0 une analyse des <strong>engagements pass\u00e9s<\/strong> des clients, les banques proposent \u00e0 travers le Machine learning des options hyper-personnalis\u00e9es adapt\u00e9es aux pr\u00e9f\u00e9rences individuelles. Dans le cadre d\u2019un projet d\u2019achat de r\u00e9sidence principale, la banque peut envoyer des alertes en temps r\u00e9el pour informer le client des fluctuations des taux d&#8217;int\u00e9r\u00eat et proposer des opportunit\u00e9s de refinancement sur mesure.&nbsp;<\/p>\n\n\n\n<p>La satisfaction, la fid\u00e9lit\u00e9 et la rentabilit\u00e9 des clients sont renforc\u00e9es gr\u00e2ce \u00e0 cette gestion des interactions en temps r\u00e9el et des engagements pass\u00e9s, fournissant des exp\u00e9riences contextuellement pertinentes, aux moments optimaux du cycle de vie de l&#8217;utilisateur.&nbsp;&nbsp;<\/p>\n\n\n\n<p>Dans ce contexte de r\u00e8glementation renforc\u00e9e et de protection accrue des donn\u00e9es personnelles, il est essentiel d&#8217;<strong>int\u00e9grer l&#8217;\u00e9thique au c\u0153ur de l\u2019hyper-personnalisation<\/strong>. L\u2019objectif est \u00e9galement de r\u00e9pondre \u00e0 un besoin croissant des consommateurs, qui attendent des technologies respectueuses des valeurs humaines et de la vie priv\u00e9e. Les institutions financi\u00e8res doivent naviguer soigneusement pour trouver un \u00e9quilibre entre \u00e9thique, s\u00e9curit\u00e9, standardisation et personnalisation, pour s&#8217;adapter strat\u00e9giquement \u00e0 l&#8217;\u00e9volution du paysage :&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>R\u00e9duire les risques en \u00e9vitant les biais et les discriminations&nbsp;<\/li>\n\n\n\n<li>Respecter les normes en se conformant aux r\u00e9glementations sur la protection des donn\u00e9es&nbsp;<\/li>\n\n\n\n<li>Prot\u00e9ger les donn\u00e9es personnelles pour renforcer la confiance envers la banque&nbsp;<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-retour-sur-experience-une-utilisation-ethique-de-l-ia-au-service-de-la-transparence-de-la-responsabilite-et-de-la-confidentialite-nbsp\"><strong>Retour sur exp\u00e9rience : une utilisation \u00e9thique de l\u2019IA au service de la transparence, de la responsabilit\u00e9 et de la confidentialit\u00e9<\/strong>&nbsp;<\/h3>\n\n\n\n<p>Capgemini Invent accompagne les partenaires bancaires dans le d\u00e9ploiement d\u2019une hyper-personnalisation \u00e9thique, afin de garantir les valeurs fondamentales et maximiser la satisfaction client.&nbsp;<\/p>\n\n\n\n<p>L\u2019approche se fonde sur la conviction que les valeurs \u00e9thiques humaines ne doivent jamais \u00eatre compromises par les usages de l&#8217;IA. Les solutions d\u2019Intelligence Artificielle se doivent d\u2019\u00eatre centr\u00e9es sur l\u2019humain\u202f:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Chaque solution IA doit avoir un <strong>objectif clair<\/strong> avec des usages et des limites d\u00e9finis pour \u00e9viter toute d\u00e9rive.&nbsp;<\/li>\n\n\n\n<li>Les technologies doivent adopter une <strong>approche durable<\/strong> en optimisant leur impact \u00e9nerg\u00e9tique et soci\u00e9tal&nbsp;<\/li>\n\n\n\n<li>Les mod\u00e8les d\u2019IA doivent utiliser des <strong>donn\u00e9es vari\u00e9es et contr\u00f4l\u00e9es<\/strong> garantissant des d\u00e9cisions \u00e9quitables et sans biais&nbsp;<\/li>\n\n\n\n<li>La <strong>transparence<\/strong> doit \u00eatre primordiale, assurant la compr\u00e9hension, la tra\u00e7abilit\u00e9 et l\u2019auditabilit\u00e9 des algorithmes&nbsp;<\/li>\n\n\n\n<li>L\u2019IA doit assister la <strong>prise de d\u00e9cision humaine<\/strong>, laissant aux experts le contr\u00f4le final&nbsp;<\/li>\n\n\n\n<li>La <strong>s\u00e9curit\u00e9 et la robustesse<\/strong> doivent \u00eatre assur\u00e9es avec des protections avanc\u00e9es et des plans de secours&nbsp;<\/li>\n\n\n\n<li>La <strong>confidentialit\u00e9 et la conformit\u00e9<\/strong> doivent \u00eatre prioritaires, prot\u00e9geant les donn\u00e9es et respectant les r\u00e9glementations&nbsp;<\/li>\n<\/ul>\n\n\n\n<p>Cette approche, combin\u00e9e \u00e0 une strat\u00e9gie d\u2019hyper-personnalisation, assure non seulement \u00e9thique et conformit\u00e9, mais permet \u00e9galement d\u2019offrir des services parfaitement adapt\u00e9s aux besoins sp\u00e9cifiques de chaque client. En mettant l&#8217;accent sur des solutions IA responsables, les banques de d\u00e9tail guid\u00e9es par cette approche peuvent alors s\u2019ajuster aux pr\u00e9f\u00e9rences individuelles, tout en renfor\u00e7ant la confiance client. La <strong>transparence devient alors le moteur de la loyaut\u00e9 client<\/strong>, g\u00e9n\u00e9rant un cercle vertueux qui renforce le pouvoir d\u2019hyper-personalisation.&nbsp;<\/p>\n\n\n\n<p>Pour en savoir plus sur l\u2019hyper-personnalisation et sur le paysage 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\/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\/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 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><\/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 4ced8c5b-5386-40e1-9184-5e378f486cc0\">\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\u2019hyper-personnalisation, guid\u00e9e par l\u2019\u00e9thique et la responsabilit\u00e9, renforce la confiance client pour proposer des services toujours plus sur mesure.<\/p>\n","protected":false},"author":12419,"featured_media":785047,"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":[],"industry":[27],"partners":[],"blog-topic":[359,363],"content-group":[],"class_list":["post-785035","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-transformation","tag-ia-et-data","tag-digital-transformation","brand-capgemini-invent","industry-banques","blog-topic-ia-data","blog-topic-transformation"],"yoast_head":"<!-- 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\/>\n<meta name=\"author\" content=\"Laurent Gauzi, Stephen Minot et Henri Boulet\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"audreykone\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" 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