{"id":674097,"date":"2021-03-25T19:34:00","date_gmt":"2021-03-25T19:34:00","guid":{"rendered":"https:\/\/www.capgemini.com\/fr-fr\/?post_type=research-and-insight&#038;p=674097"},"modified":"2025-03-04T04:56:21","modified_gmt":"2025-03-04T03:56:21","slug":"world-retail-banking-report-2021","status":"publish","type":"research-and-insight","link":"https:\/\/www.capgemini.com\/fr-fr\/perspectives\/publications\/world-retail-banking-report-2021\/","title":{"rendered":"World Retail Banking Report 2021"},"content":{"rendered":"\n<header class=\"wp-block-cg-blocks-hero-reusable header heroReusable  \"><div class=\"header-bgs\"><picture><source srcset=\"https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2022\/07\/2022-FR-Featured-Image-RI-Invent-Inbanque.jpg?w=2880&amp;quality=70 1x, https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2022\/07\/2022-FR-Featured-Image-RI-Invent-Inbanque.jpg?w=2880&amp;quality=70 2x\" media=\"(min-width: 1500px)\"\/><source srcset=\"https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2022\/07\/2022-FR-Featured-Image-RI-Invent-Inbanque.jpg?w=1440&amp;quality=70 1x, https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2022\/07\/2022-FR-Featured-Image-RI-Invent-Inbanque.jpg?w=2880&amp;quality=70 2x\" media=\"(min-width: 992px)\"\/><source srcset=\"https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2022\/07\/2022-FR-Featured-Image-RI-Invent-Inbanque.jpg?w=1024&amp;quality=70 1x, https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2022\/07\/2022-FR-Featured-Image-RI-Invent-Inbanque.jpg?w=1024&amp;quality=70 2x\" media=\"(min-width: 768px)\"\/><source srcset=\"https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2022\/07\/2022-FR-Featured-Image-RI-Invent-Inbanque.jpg?w=768&amp;quality=70 1x, https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2022\/07\/2022-FR-Featured-Image-RI-Invent-Inbanque.jpg?w=768&amp;quality=70 2x\" media=\"(min-width: 0)\"\/><img decoding=\"async\" src=\"https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2022\/07\/2022-FR-Featured-Image-RI-Invent-Inbanque.jpg\" class=\"header-img header-img-d\" alt=\"\" style=\"object-fit:cover;object-position:50% 50%\" loading=\"eager\"\/><\/picture><\/div><div class=\"heroPictureCardHeaderShape\"><\/div><div class=\"container\"><div class=\"row\"><div class=\"col-md-12\"><div class=\"box\"><div class=\"boxTagWrapper\"><div class=\"tagInfo\"><div><span class=\"box-tag\">Banques<\/span><\/div><\/div><\/div><div class=\"box-title\"><h1 data-maxlength=\"34\">World Retail Banking Report 2021<\/h1><\/div><h2 class=\"reasearchInsightTitle\">Les banques vont entrer dans une nouvelle \u00e8re, celle de la \u00ab banque 4.X \u00bb.<\/h2><div class=\"inner-row-insight download-btn\"><div class=\"col-md-4 downloadFiles \"><a class=\"button-download--small\" type=\"download\" href=\"https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2022\/04\/Infographic_WRBR_2021_72dpi-1.jpg\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"Ouvrir dans une nouvelle fen\u00eatre\"><span>Infographie<\/span><span class=\"type\">2 MB  jpeg<\/span><\/a><\/div><div class=\"col-md-4 downloadFiles \"><a class=\"button-download--small\" type=\"download\" href=\"https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2022\/04\/World-Retail-Banking-Report-2021_web-1.pdf\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"Ouvrir dans une nouvelle fen\u00eatre\"><span>Rapport<\/span><span class=\"type\">5 MB  pdf<\/span><\/a><\/div><\/div><\/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\/publications\/world-retail-banking-report-2021\/\" 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\/publications\/world-retail-banking-report-2021\/\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"Ouvrir dans une nouvelle fen\u00eatre\"><i aria-hidden=\"true\" class=\"icon-li\"><\/i><span class=\"sr-only\">Linkedin<\/span><\/a><\/li><\/ul><\/nav><\/div><div class=\"col-12 col-md-11 col-lg-10\"><h2 class=\"intro-para-title\">Les banques de d\u00e9tail sont confront\u00e9es \u00e0 un dilemme : aligner leurs offres sur les attentes des clients ou courir le risque de les perdre. <\/h2><p class=\"intro-para-content\">Tandis que les cons\u00e9quences \u00e9conomiques de la crise Covid-19 se font encore ressentir, la pand\u00e9mie a ouvert une nouvelle \u00e8re bancaire centr\u00e9e sur la valeur et le client, d\u00e9sign\u00e9e sous le terme de Banking 4.X dans le rapport. Elle implique que les banques entreprennent une transformation digitale et mettent en place des plateformes \u00ab Banking-as-a-Service \u00bb1 (BaaS), bas\u00e9es sur le cloud, qui utilisent des API2 pour int\u00e9grer la banque dans le quotidien de ses clients, la rendant ainsi plus accessible et plus inclusive.<\/p><\/div><\/div><\/div><\/div><\/section>\n\n\n\n<section class=\"wp-block-cg-blocks-group undefined section section--article-content\"><div class=\"article-main-content\"><div class=\"container\"><div class=\"row\"><div class=\"col-12 col-md-11 col-lg-10 offset-md-1 offset-lg-1\"><div class=\"article-text article-quote-text\">\n<figure class=\"wp-block-image alignleft\"><a href=\"https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2022\/04\/World-Retail-Banking-Report-2021_web.pdf\"><img decoding=\"async\" src=\"https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/2\/2021\/03\/World-Retail-Banking-WRBR-2021_Cover_Final.jpg?w=212\" alt=\"width=212\"\/><\/a><\/figure>\n\n\n\n<p>Selon le <a href=\"https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2022\/04\/World-Retail-Banking-Report-2021_web.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">World Retail Banking <\/a>Report 2021 (WRBR) publi\u00e9 aujourd\u2019hui par Capgemini et l\u2019Efma, les banques de d\u00e9tail sont confront\u00e9es \u00e0 un dilemme : aligner leurs offres sur les attentes des clients ou courir le risque de les perdre. Tandis que les cons\u00e9quences \u00e9conomiques de la crise Covid-19 se font encore ressentir, la pand\u00e9mie a ouvert une nouvelle \u00e8re bancaire centr\u00e9e sur la valeur et le client, d\u00e9sign\u00e9e sous le terme de Banking 4.X dans le rapport. Elle implique que les banques entreprennent une transformation digitale et mettent en place des plateformes \u00ab Banking-as-a-Service \u00bb1 (BaaS), bas\u00e9es sur le cloud, qui utilisent des API2 pour int\u00e9grer la banque dans le quotidien de ses clients, la rendant ainsi plus accessible et plus inclusive.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-un-parcours-client-durable-et-experientiel\">Un parcours client durable et exp\u00e9rientiel<\/h4>\n\n\n\n<p>Le World Retail Banking Report 2021 de Capgemini et Efma explore une \u00e8re o\u00f9 la banque est invisiblement int\u00e9gr\u00e9e dans le style de vie des clients pour offrir un parcours client durable et exp\u00e9rientiel. D\u00e9couvrez comment la mise en \u0153uvre de mod\u00e8les de plateforme BaaS pour lib\u00e9rer la valeur des \u00e9cosyst\u00e8mes ouverts et r\u00e9colter les donn\u00e9es comportementales des clients pour fournir un engagement hyper-personnalis\u00e9 sera la cl\u00e9 du succ\u00e8s pour les banques.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2022\/04\/World-Retail-Banking-Report-2021_web.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">T\u00e9l\u00e9charger le rapport<\/a><\/div>\n<\/div>\n<\/div><\/div><\/div><\/div><\/div><\/section>\n","protected":false},"excerpt":{"rendered":"<p>Les banques vont entrer dans une nouvelle \u00e8re, celle de la \u00ab banque 4.X \u00bb.<\/p>\n","protected":false},"author":98,"featured_media":681734,"template":"","meta":{"cg_dt_proposed_to":[],"cg_seo_hreflang_relations":"[]","cg_seo_canonical_relation":"{\"uuid\":\"6323bd04-13ed-4aa9-b179-217e16cd2813\",\"blogId\":\"\",\"domain\":\"\",\"sitePath\":\"\",\"postLink\":\"\",\"postId\":null,\"isSaved\":true,\"isCrossLink\":false,\"hasCrossLink\":false}","cg_seo_hreflang_x_default_relation":"{\"uuid\":\"6728a395-6275-4ff9-919b-ccbd17c6b20b\",\"blogId\":\"\",\"domain\":\"\",\"sitePath\":\"\",\"postLink\":\"\",\"postId\":null,\"isSaved\":true,\"isCrossLink\":false,\"hasCrossLink\":false}","cg_dt_approved_content":true,"cg_dt_mandatory_content":false,"cg_dt_notes":"","cg_dg_source_changed":false,"cg_dt_link_disabled":false,"footnotes":"","related_resource_url":"","related_resource_id":0,"related_resource_size":"","related_resource_type":"","cg_author":0,"_yoast_wpseo_primary_theme":0,"primary_term":"","featured_focal_points":""},"tags":[200],"research-and-insight-type":[80],"theme":[],"brand":[],"service":[],"industry":[27,732],"partners":[],"content-group":[],"class_list":["post-674097","research-and-insight","type-research-and-insight","status-publish","has-post-thumbnail","hentry","tag-banque","research-and-insight-type-rapport","industry-banques","industry-financial-services"],"yoast_head":"<!-- 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