{"id":707429,"date":"2023-01-05T04:59:48","date_gmt":"2023-01-05T03:59:48","guid":{"rendered":"https:\/\/www.capgemini.com\/?post_type=research-and-insight&#038;p=845357"},"modified":"2025-03-04T04:06:03","modified_gmt":"2025-03-04T03:06:03","slug":"top-trends-in-retail-banking-2023","status":"publish","type":"research-and-insight","link":"https:\/\/www.capgemini.com\/fr-fr\/perspectives\/publications\/top-trends-retail-banking-2023\/","title":{"rendered":"Top trends Retail banking 2023"},"content":{"rendered":"\n<header class=\"wp-block-cg-blocks-hero-reusable header heroReusable  \"><div class=\"header-bgs\"><picture><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/01\/retail-banking-top-trends-2023.jpg?w=2880&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/01\/retail-banking-top-trends-2023.jpg?w=2880&amp;quality=70 2x\" media=\"(min-width: 1500px)\"\/><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/01\/retail-banking-top-trends-2023.jpg?w=1440&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/01\/retail-banking-top-trends-2023.jpg?w=2880&amp;quality=70 2x\" media=\"(min-width: 992px)\"\/><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/01\/retail-banking-top-trends-2023.jpg?w=1024&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/01\/retail-banking-top-trends-2023.jpg?w=1024&amp;quality=70 2x\" media=\"(min-width: 768px)\"\/><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/01\/retail-banking-top-trends-2023.jpg?w=768&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/01\/retail-banking-top-trends-2023.jpg?w=768&amp;quality=70 2x\" media=\"(min-width: 0)\"\/><img decoding=\"async\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/01\/retail-banking-top-trends-2023.jpg\" class=\"header-img header-img-d\" alt=\"\" style=\"object-fit:cover;object-position:44% 34%\" 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><\/div><div class=\"box-title\"><h1 data-maxlength=\"34\">Top trends retail banking 2023<\/h1><\/div><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\/wp-content\/uploads\/2023\/01\/Retail-Banking-Trends-Report-2023.pdf\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"Ouvrir dans une nouvelle fen\u00eatre\"><span>Rapport<\/span><span class=\"type\">2 MB  pdf<\/span><\/a><\/div><div class=\"col-md-4 downloadFiles \"><a class=\"button-download--small\" type=\"download\" href=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/01\/Top-Trends-Retail-Banking-2023_Infographic.pdf\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"Ouvrir dans une nouvelle fen\u00eatre\"><span>Infographie<\/span><span class=\"type\">682 KB  pdf<\/span><\/a><\/div><\/div><\/div><\/div><\/div><\/div><\/header>\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-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\/?post_type=research-and-insight&amp;p=835163\" 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-tw\"><a href=\"https:\/\/twitter.com\/intent\/tweet?url=https:\/\/www.capgemini.com\/?post_type=research-and-insight&amp;p=835163&amp;text=Property%20and%20Casualty%20Insurance%20Top%20Trends%20in%202023\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"Ouvrir dans une nouvelle fen\u00eatre\"><i aria-hidden=\"true\" class=\"icon-tw\"><\/i><span class=\"sr-only\">Twitter<\/span><\/a><\/li><li class=\"ip-order-li\"><a href=\"https:\/\/www.linkedin.com\/shareArticle?url=https:\/\/www.capgemini.com\/?post_type=research-and-insight&amp;p=835163&amp;text=Property%20and%20Casualty%20Insurance%20Top%20Trends%20in%202023\" 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\"><div class=\"article-text article-quote-text\">\n<h2 class=\"wp-block-heading\" id=\"h-decouvrez-les-opportunites-et-les-risques-du-secteur-de-la-banque-de-detail-en-2023\">D\u00e9couvrez les opportunit\u00e9s et les risques du secteur de la banque de d\u00e9tail en 2023<\/h2>\n\n\n\n<p>Le secteur bancaire mondial continuera d&#8217;\u00eatre secou\u00e9 par des vents contraires macro\u00e9conomiques en 2023, les banques de d\u00e9tail devraient donc se focaliser sur la r\u00e9silience et l&#8217;innovation.<\/p>\n\n\n\n<p>Avec une focalisation sur l&#8217;exp\u00e9rience client, les banques acc\u00e9l\u00e8reront encore davantage leur digitalisation et exploiteront les donn\u00e9es de mani\u00e8re accrue pour offrir des services hyper-personnalis\u00e9s. Le nombre de partenariats et de fusion-acquisition avec les FinTechs pourraient \u00eatre en hausse ; la cybers\u00e9curit\u00e9, les d\u00e9veloppements r\u00e9glementaires et les pr\u00e9occupations en mati\u00e8re de durabilit\u00e9 seront au coeur de la strat\u00e9gie des banques de d\u00e9tail.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/section>\n\n\n\n<section class=\"wp-block-cg-blocks-wrapper-people-slider section section--expert-slider wrapper-people-slider undefined\"><div class=\"container\"><div class=\"content-title\"><h3 data-maxlength=\"34\">Notre expert<\/h3><\/div><\/div><div class=\"slider slider-boxed\"><div class=\"container\"><div class=\"slider-window\"><div class=\"slider-list\">\n\t\t<div class=\"slide\">\n\t\t\t<div class=\"box\">\n\t\t\t\t<div class=\"row\">\n\t\t\t\t\t<div class=\"col-md-6 col-lg-4 box-img-wrapper\">\n\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2022\/09\/Nicolas-Croquet.jpg\" alt=\"Nicolas Croquet\"\/>\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\/nicolas-croquet-07679448\/\"><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\">Nicolas Croquet<\/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>Head of COE Retail Banking<\/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\/nicolas-croquet-07679448\/\"><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\">Dipl\u00f4m\u00e9 de Dauphine et de Paris 2 Panth\u00e9on-Assas, Nicolas d\u00e9bute sa carri\u00e8re dans le conseil en organisation et strat\u00e9gie, avant de prendre la Direction de l\u2019International d\u2019une filiale de la BPCE et enfin, rejoindre Capgemini en 2018.\nAujourd\u2019hui Responsable de la practice Retail Banking, il porte les projets d\u2019innovation et de transformation aupr\u00e8s des clients bancaires. Il est en contact permanent avec l\u2019\u00e9cosyst\u00e8me digital et les acteurs de la Fintech pour r\u00e9pondre efficacement aux \u00e9volutions des business-model bancaires.<\/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<\/div><\/div><\/div><div class=\"slider-nav\"><button class=\"slider-prev inactive\" aria-label=\"Curseur pr\u00e9c\u00e9dent\" tabindex=\"-1\"><\/button><ul class=\"slider-paginator\"><\/ul><button class=\"slider-next\" aria-label=\"Curseur suivant\"><\/button><\/div><\/div><\/section>\n\n\n\n<section class=\"wp-block-cg-blocks-call-to-action undefined call-to-action-block is-style-cg-secondary-3\"><div class=\"container\"><div class=\"call-to-action-block-content-wrapper has-description\"><div class=\"text-wrapper has-description\"><h3 class=\"title\" data-maxlength=\"144\">Rejoignez-nous sur LinkedIn<\/h3><p class=\"description\" data-maxlength=\"210\">Rencontrez nos experts et restez connect\u00e9 \u00e0 l&#8217;actualit\u00e9 du secteur financier.<\/p><\/div><div class=\"button-wrapper has-description\"><a class=\" cta-btn action-valid\" href=\"https:\/\/www.linkedin.com\/showcase\/capgemini-fs\/\" target=\"_blank\" rel=\"noopener noreferrer\" aria-label=\"Suivez-nous A propos Rejoignez-nous sur LinkedIn\" title=\"Ouvrir dans une nouvelle fen\u00eatre\" data-maxlength=\"24\" tabindex=\"0\"> Suivez-nous <\/a><\/div><\/div><\/div><\/section>\n","protected":false},"excerpt":{"rendered":"<p>Le secteur bancaire mondial continuera d&#8217;\u00eatre secou\u00e9 par des vents contraires macro\u00e9conomiques en 2023, les banques de d\u00e9tail devraient donc se focaliser sur la r\u00e9silience et l&#8217;innovation.<\/p>\n","protected":false},"author":439,"featured_media":707430,"template":"","meta":{"cg_dt_proposed_to":[],"cg_seo_hreflang_relations":"[]","cg_seo_canonical_relation":"{\"uuid\":\"a4cac152-577a-4f12-ac98-4da78ef0559b\",\"blogId\":\"\",\"domain\":\"\",\"sitePath\":\"\",\"postLink\":\"\",\"postId\":null,\"isSaved\":true,\"isCrossLink\":false,\"hasCrossLink\":false}","cg_seo_hreflang_x_default_relation":"{\"uuid\":\"37e250b8-68ab-4ff4-ac7f-e1e508e5d7a9\",\"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":true,"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":[48],"brand":[],"service":[47,208,49],"industry":[27,732],"partners":[],"content-group":[],"class_list":["post-707429","research-and-insight","type-research-and-insight","status-publish","has-post-thumbnail","hentry","tag-banque","research-and-insight-type-rapport","theme-cybersecurite","service-cybersecurite","service-developpement-durable","service-ia-data","industry-banques","industry-financial-services"],"yoast_head":"<!-- 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