{"id":729318,"date":"2025-09-25T08:28:25","date_gmt":"2025-09-25T06:28:25","guid":{"rendered":"https:\/\/www.capgemini.com\/?post_type=research-and-insight&#038;p=835951"},"modified":"2025-12-04T01:47:19","modified_gmt":"2025-12-04T00:47:19","slug":"world-payments-report","status":"publish","type":"research-and-insight","link":"https:\/\/www.capgemini.com\/fr-fr\/perspectives\/publications\/world-payments-report\/","title":{"rendered":"World Payments Report 2026"},"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\/2025\/09\/Capcom-Webpage-Banner_2880x1800-1.jpg?w=2880&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2025\/09\/Capcom-Webpage-Banner_2880x1800-1.jpg?w=2880&amp;quality=70 2x\" media=\"(min-width: 1500px)\"\/><source 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src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2025\/09\/Capcom-Webpage-Banner_2880x1800-1.jpg\" class=\"header-img header-img-d\" alt=\"\" style=\"object-fit:cover;object-position:53% 56.00000000000001%\" 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\">Services Financiers<\/span><\/div><\/div><div class=\"brandInfo\"><div class=\"brandLogo\"><img decoding=\"async\" loading=\"lazy\" src=\"\/wp-content\/themes\/capgemini2025\/assets\/images\/capgemini-research-institute-white.svg\" alt=\"capgemini-research-institute\" class=\"dark\"\/><img decoding=\"async\" loading=\"lazy\" src=\"\/wp-content\/themes\/capgemini2025\/assets\/images\/capgemini-research-institute.svg\" alt=\"capgemini-research-institute\" class=\"light\"\/><\/div><\/div><\/div><div class=\"box-title\"><h1 data-maxlength=\"34\">World Payments Report 2026<\/h1><\/div><h2 class=\"reasearchInsightTitle\">Une prise de contr\u00f4le (pas si) silencieuse\u00a0<br>Reconqu\u00e9rir les commer\u00e7ants exige de changer les r\u00e8gles du jeu<\/h2><div class=\"inner-row-insight download-btn\"><div class=\"col-md-4 downloadFiles addPadding\"><a class=\"button-download--small\" type=\"download\" href=\"https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2025\/09\/09_25_Capgemini_World-Payments-Report-2026_FR.pdf\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"Ouvrir dans une nouvelle fen\u00eatre\"><span>Communiqu\u00e9 de presse<\/span><span class=\"type\">185 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=835951\" 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=835951&amp;text=World%20Payments%20Report%202022\" 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=835951&amp;text=World%20Payments%20Report%202022\" 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<p>Le paysage mondial des paiements conna\u00eet une transformation majeure, port\u00e9e par l\u2019acc\u00e9l\u00e9ration du commerce digital et la hausse des transactions de paiement d\u00e9mat\u00e9rialis\u00e9es. Pour sa 21e \u00e9dition, le World Payments Report 2026 analyse comment les banques perdent du terrain sur le segment des services aux commer\u00e7ants, tandis que les PayTechs* agiles et digitales gagnent en puissance.<\/p>\n\n\n\n<p>Fond\u00e9 sur les retours de 2 600 commer\u00e7ants et 420 dirigeants du secteur des paiements, le rapport met en lumi\u00e8re l\u2019\u00e9cart croissant entre les attentes des commer\u00e7ants et les capacit\u00e9s des banques, notamment en mati\u00e8re d\u2019int\u00e9gration, de pr\u00e9vention de la fraude, de fiabilit\u00e9 des infrastructures de paiement et de personnalisation. Les petits et moyens commer\u00e7ants se tournent de plus en plus vers les PayTechs, qui leur proposent des solutions plus rapides, moins ch\u00e8res et plus personnalis\u00e9es et mieux int\u00e9gr\u00e9es \u00e0 leurs op\u00e9rations.&nbsp;<\/p>\n\n\n\n<p>Pour retrouver leur pertinence, les banques doivent repenser leur approche autour de cinq leviers strat\u00e9giques :&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Red\u00e9finir<\/strong> leur strat\u00e9gie d\u2019acquisition des commer\u00e7ants avec une vision claire centr\u00e9e sur leurs besoins&nbsp;&nbsp;<\/li>\n\n\n\n<li><strong>Choisir<\/strong> des mod\u00e8les \u00e9conomiques agiles et pouvant \u00e9voluer facilement&nbsp;&nbsp;<\/li>\n\n\n\n<li><strong>Moderniser<\/strong> leur infrastructure digitale autour de l\u2019orchestration des paiements&nbsp;<\/li>\n\n\n\n<li><strong>Activer<\/strong> l\u2019intelligence des donn\u00e9es&nbsp;<\/li>\n\n\n\n<li><strong>Proposer<\/strong> des services \u00e0 valeur ajout\u00e9e sp\u00e9cifiques \u00e0 chaque segment&nbsp;<\/li>\n<\/ul>\n\n\n\n<p>C\u2019est un tournant strat\u00e9gique que chaque banque doit d\u00e9cider de prendre ou pas selon son positionnement. Alors que les attentes des marchands \u00e9voluent et que les nouvelles technologies red\u00e9finissent les usages du commerce, les banques doivent r\u00e9pondre par des strat\u00e9gies audacieuses, renforcer leurs relations avec les commer\u00e7ants et s\u2019appuyer sur des plateformes adapt\u00e9es aux changements constants du secteur du paiement. En misant sur l\u2019innovation et en capitalisant sur leurs atouts &#8211; la confiance, la ma\u00eetrise des donn\u00e9es et le fonds de roulement- elles ont l\u2019opportunit\u00e9 de combler leur retard et de mener la prochaine vague de transformation des paiements.&nbsp;<\/p>\n\n\n\n<div class=\"wp-block-cg-blocks-cta-popin-form\"><section class=\"cta-popin-form-block\"><div class=\"container\"><div class=\"cta-popin-btn-wrapper cta-popin-btn-align-left\"><a class=\"cta-popin-btn  \" data-bs-toggle=\"modal\" data-bs-target=\"#cta-popin-367c39c1-709d-4288-bfed-d4c34b954222\" tabindex=\"0\" href=\"#\">T\u00e9l\u00e9charger le rapport<\/a><\/div><div class=\"call-to-action-block\"><div class=\"modal cta-frontend-modal-wrapper\" id=\"cta-popin-367c39c1-709d-4288-bfed-d4c34b954222\"><div class=\"modal-dialog modal-lg modal-dialog-centered modal-dialog-scrollable cta-frontend-modal\"><div class=\"modal-content\"><div class=\"modal-header\"><button type=\"button\" class=\"btn-close\" data-bs-dismiss=\"modal\" aria-label=\"close\"> <\/button><\/div><div class=\"modal-body\"><div class=\"logo-wrapper\"><img decoding=\"async\" loading=\"lazy\" src=\"\/wp-content\/themes\/capgemini2020\/assets\/images\/logo.svg\" alt=\"logo\"\/><\/div><h4 class=\"form-title\">T\u00e9l\u00e9charger le rapport<\/h4>\t\t<div class=\"mf_forms__container \">\n\t\t\t\t\t\t\t\t<form id=\"mf_form_792445_953278318\" class=\"mf_form__form row needs-validation\" action=\"\" method=\"post\" enctype=\"multipart\/form-data\" data-nosnippet>\n\n\t\t\t\t<div class=\"mf-field-wrapper form-floating col-sm-12\"><input type=\"text\" class=\"form-control\" id=\"_mf_813557_2426_1406619746\" name=\"_mf_813557_2426\" placeholder=\"Pr\u00e9nom\" required \/><label for=\"_mf_813557_2426_1406619746\" class=\"form-label\">Pr\u00e9nom <span class=\"star-required\">*<\/span><\/label><div class=\"invalid-feedback-frm\" role=\"alert\">Pr\u00e9nom n&#039;est pas valide<\/div><\/div><div class=\"mf-field-wrapper form-floating col-sm-12\"><input type=\"text\" class=\"form-control\" id=\"_mf_876461_2251_1511975303\" name=\"_mf_876461_2251\" placeholder=\"Nom\" required \/><label for=\"_mf_876461_2251_1511975303\" class=\"form-label\">Nom <span class=\"star-required\">*<\/span><\/label><div class=\"invalid-feedback-frm\" role=\"alert\">Nom n&#039;est pas valide<\/div><\/div><div class=\"mf-field-wrapper form-floating col-sm-12\"><input type=\"email\" class=\"form-control\" id=\"_mf_813557_3903_1704838124\" name=\"_mf_813557_3903\" placeholder=\"Email\" required \/><label for=\"_mf_813557_3903_1704838124\" class=\"form-label\">Email <span class=\"star-required\">*<\/span><\/label><div class=\"invalid-feedback-frm\" role=\"alert\">Email n&#039;est pas valide<\/div><\/div><div class=\"mf-field-wrapper form-floating col-sm-12\"><input type=\"text\" class=\"form-control\" id=\"_mf_876461_4679_1821366100\" name=\"_mf_876461_4679\" placeholder=\"Entreprise\" required \/><label for=\"_mf_876461_4679_1821366100\" class=\"form-label\">Entreprise <span class=\"star-required\">*<\/span><\/label><div class=\"invalid-feedback-frm\" role=\"alert\">Entreprise n&#039;est pas valide<\/div><\/div><div class=\"mf-field-wrapper form-floating col-sm-12\"><input type=\"text\" class=\"form-control\" id=\"_mf_813557_4393_3140342826\" name=\"_mf_813557_4393\" placeholder=\"Fonction\" required \/><label for=\"_mf_813557_4393_3140342826\" class=\"form-label\">Fonction <span class=\"star-required\">*<\/span><\/label><div class=\"invalid-feedback-frm\" role=\"alert\">Fonction n&#039;est pas valide<\/div><\/div>\t\t<div class=\"mf_field mf_field--country mf_field--select floating form-country-select-parent mf-required\">\n\n\t\t\t<label for=\"_mf_875557_2415_3852713561\" class=\"floating__label form-country-select-label\" data-content=\"Pays\">\n\t\t\t\t<span class=\"floating-label-content\">Pays<\/span>\n\t\t\t<\/label>\n\n\t\t\t<div class=\"select-wrap\">\n<i class=\"icon icon-zodiak-chevron-down\"><\/i>\n\t\t\t\t<select id=\"_mf_875557_2415_3852713561\" class=\"mf_field__input empty mf-country-selectbox form_country_select\" name=\"_mf_875557_2415\" data-validate=\"select\" required>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"\"  selected='selected'>Pays<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AF\" >Afghanistan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ZA\" >Afrique du Sud<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AL\" >Albanie<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"DZ\" >Alg\u00e9rie<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"DE\" >Allemagne<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AD\" >Andorre<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AO\" >Angola<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AI\" >Anguilla<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AQ\" >Antarctique<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AG\" >Antigua-et-Barbuda<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AN\" >Antilles n\u00e9erlandaises<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SA\" >Arabie Saoudite<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AR\" >Argentine<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AM\" >Arm\u00e9nie<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AW\" >Aruba<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AU\" >Australie<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AT\" >Autriche<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AZ\" >Azerba\u00efdjan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BS\" >Bahamas<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BH\" >Bahre\u00efn<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BB\" >Barbade<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BE\" >Belgique<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BD\" >Bengladesh<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BM\" >Bermudes<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BT\" >Bhoutan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MM\" >Birmanie<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BY\" >Bi\u00e9lorussie<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BO\" >Bolivie<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BA\" >Bosnie Herz\u00e9govine<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BW\" >Bostwana<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BN\" >Brunei Darussalam<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BR\" >Br\u00e9sil<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BG\" >Bulgarie<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BF\" >Burkina Faso<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BI\" >Burundi<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BZ\" >B\u00e9lize<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BJ\" >B\u00e9nin<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KH\" >Cambodge<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CM\" >Cameroun<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CA\" >Canada<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CV\" >Cap-Vert<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CL\" >Chili<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CN\" >Chine<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CY\" >Chypre<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CO\" >Colombie<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KM\" >Comores<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CG\" >Congo<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CD\" >Congo, R\u00e9publique d\u00e9mocratique<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KR\" >Cor\u00e9e<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CR\" >Costa Rica<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"HR\" >Croatie<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CU\" >Cuba<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CI\" >C\u00f4te d&#039;Ivoire<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"DK\" >Danemark<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"DJ\" >Djibouti<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"DM\" >Dominique<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"EG\" >Egypte<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SV\" >El Salvador<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AE\" >Emirats arabes unis<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"EC\" >Equateur<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ER\" >Erythr\u00e9e<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ES\" >Espagne<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"EE\" >Estonie<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"US\" >Etats-Unis<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ET\" >Ethiopie<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"FJ\" >Fidji<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"FI\" >Finlande<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"FR\" >France<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"RU\" >F\u00e9d\u00e9ration Russe<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GA\" >Gabon<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GM\" >Gambie<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GH\" >Ghana<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GI\" >Gibraltar<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GD\" >Grenade<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GL\" >Groenland<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GR\" >Gr\u00e8ce<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GP\" >Guadeloupe<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GU\" >Guam<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GT\" >Guatemala<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GG\" >Guernesey<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GN\" >Guin\u00e9e<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GQ\" >Guin\u00e9e \u00c9quatoriale<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GW\" >Guin\u00e9e-Bissau<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GY\" >Guyane<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GF\" >Guyane Fran\u00e7aise<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GE\" >G\u00e9orgie<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GS\" >G\u00e9orgie du Sud et \u00eele Sandwich.<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"HT\" >Ha\u00efti<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"HN\" >Honduras<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"HK\" >Hong Kong<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"HU\" >Hongrie<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BV\" >Ile Bouvet<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CX\" >Ile Christmas<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"HM\" >Ile Heard et \u00celes Mcdonald<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IM\" >Ile de Man<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AX\" >Iles Aland<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KY\" >Iles Ca\u00efmans<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CC\" >Iles Cocos (Keeling)<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CK\" >Iles Cook<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"FK\" >Iles Falkland (Malouines)<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"FO\" >Iles F\u00e9ro\u00e9<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MP\" >Iles Mariannes du Nord<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MH\" >Iles Marshall<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SB\" >Iles Salomon<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TC\" >Iles Turques-et-Ca\u00efques<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VG\" >Iles Vierges britanniques<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VI\" >Iles Vierges, \u00c9tats-Unis<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"UM\" >Iles p\u00e9riph\u00e9riques des \u00c9tats-Unis<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IN\" >Inde<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ID\" >Indon\u00e9sie<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IQ\" >Irak<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IR\" >Iran (R\u00e9publique islamique d)<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IE\" >Irlande<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IS\" >Islande<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IL\" >Isra\u00ebl<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IT\" >Italie<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"JM\" >Jama\u00efque<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"JP\" >Japon<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"JE\" >Jersey<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"JO\" >Jordanie<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KZ\" >Kazakhstan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KE\" >Kenya<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KG\" >Kirghizistan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KI\" >Kiribati<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KW\" >Koweit<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LA\" >Laos<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SC\" >Les Seychelles<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LS\" >Lesotho<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LV\" >Lettonie<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LB\" >Liban<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LR\" >Lib\u00e9ria<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LI\" >Liechtenstein<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LT\" >Lituanie<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LU\" >Luxembourg<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LY\" >Lybie<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MO\" >Macao<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MK\" >Mac\u00e9doine<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MG\" >Madagascar<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MY\" >Malaisie<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MW\" >Malawi<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MV\" >Maldives<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ML\" >Mali<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MT\" >Malte<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MA\" >Maroc<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MQ\" >Martinique<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MU\" >Maurice<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MR\" >Mauritanie<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"YT\" >Mayotte<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MX\" >Mexique<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"FM\" >Micron\u00e9sie, \u00c9tats f\u00e9d\u00e9r\u00e9s de<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MD\" >Moldavie<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MC\" >Monaco<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MN\" >Mongolie<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MS\" >Montserrat<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ME\" >Mont\u00e9n\u00e9gro<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MZ\" >Mozambique<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NA\" >Namibie<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NR\" >Nauru<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NI\" >Nicaragua<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NE\" >Niger<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NG\" >Nigeria<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NU\" >Niu\u00e9<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NF\" >Norfolk<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NO\" >Norv\u00e8ge<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NC\" >Nouvelle Cal\u00e9donie<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NZ\" >Nouvelle-Z\u00e9lande<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NP\" >N\u00e9pal<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"OM\" >Oman<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"UG\" >Ouganda<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"UZ\" >Ouzb\u00e9kistan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PK\" >Pakistan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PW\" >Palaos<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PA\" >Panama<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PG\" >Papouasie Nouvelle Guin\u00e9e<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PY\" >Paraguay<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NL\" >Pays-Bas<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PH\" >Philippines<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PN\" >Pitcairn<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PL\" >Pologne<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PF\" >Polyn\u00e9sie fran\u00e7aise<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PR\" >Porto Rico<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PT\" >Portugal<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PE\" >P\u00e9rou<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"QA\" >Qatar<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"RO\" >Roumanie<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GB\" >Royaume-Uni<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"RW\" >Rwanda<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"DO\" >R\u00e9publique Dominicaine<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SY\" >R\u00e9publique arabe syrienne<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CF\" >R\u00e9publique centrafricaine<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CZ\" >R\u00e9publique tch\u00e8que<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"RE\" >R\u00e9union<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"EH\" >Sahara occidental<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BL\" >Saint Barth\u00e9lemy<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SM\" >Saint Marin<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MF\" >Saint Martin<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KN\" >Saint-Christophe-et-Ni\u00e9v\u00e8s<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PM\" >Saint-Pierre-et-Miquelon<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VA\" >Saint-Si\u00e8ge (\u00c9tat de la Cit\u00e9 du Vatican)<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VC\" >Saint-Vincent-et-les Grenadines<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SH\" >Sainte-H\u00e9l\u00e8ne<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LC\" >Sainte-Lucie<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"WS\" >Samoa<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AS\" >Samoa am\u00e9ricaines<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ST\" >Sao Tom\u00e9 et Principe<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"RS\" >Serbie<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SL\" >Sierra Leone<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SG\" >Singapour<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SK\" >Slovaquie<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SI\" >Slov\u00e9nie<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SO\" >Somalie<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SD\" >Soudan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LK\" >Sri Lanka<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CH\" >Suisse<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SR\" >Suriname<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SE\" >Su\u00e8de<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SJ\" >Svalbard et Jan Mayen<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SZ\" >Swaziland<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SN\" >S\u00e9n\u00e9gal<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TJ\" >Tadjikistan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TZ\" >Tanzanie<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TW\" >Ta\u00efwan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TD\" >Tchad<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TF\" >Terres australes fran\u00e7aises<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IO\" >Territoire britannique de l&#039;oc\u00e9an Indien<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PS\" >Territoire palestinien occup\u00e9<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TH\" >Tha\u00eflande<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TL\" >Timor oriental<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TG\" >Togo<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TK\" >Tok\u00e9laou<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TO\" >Tonga<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TT\" >Trinit\u00e9-et-Tobago<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TN\" >Tunisie<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TM\" >Turkm\u00e9nistan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TR\" >Turquie<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TV\" >Tuvalu<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"UA\" >Ukraine<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"UY\" >Uruguay<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VU\" >Vanuatu<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VE\" >Venezuela<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VN\" >Vietnam<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"WF\" >Wallis et Futuna<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"YE\" >Y\u00e9men<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ZM\" >Zambie<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ZW\" >Zimbabwe<\/option>\n\t\t\t\t\t\t\t\t\t<\/select>\n\n\t\t\t\t<div class=\"invalid-feedback-frm\" role=\"alert\">Pays n&#039;est pas valide<\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<script type=\"text\/javascript\">\n            jQuery(document).ready(function($) {\n                $('.mf_form__form').each(function() {\n                    var $form = $(this); \/\/ This specific form instance\n\n                    \/\/ Find the country select in this form\n                    $form.find('.form_country_select').each(function() {\n                        var $select = $(this);\n\t\t\t\t\t\tvar clickCount = 0;\n                        \/\/ On change\n                        $select.on('click', function() {\n\t\t\t\t\t\t\tclickCount++;\n\t\t\t\t\t\t\tif (clickCount === 1) {\n\t\t\t\t\t\t\t\t$(this).parent().find('.icon-zodiak-chevron-down').addClass('active');\n\t\t\t\t\t\t\t} else {\n\t\t\t\t\t\t\t\tclickCount = 0;\n\t\t\t\t\t\t\t\t$(this).parent().find('.icon-zodiak-chevron-down').removeClass('active');\n\t\t\t\t\t\t\t}\n\t\t\t\t\t\t});\n\t\t\t\t\t\t$select.on('blur', function() {\n\t\t\t\t\t\t\tclickCount = 0;\n\t\t\t\t\t\t\t$(this).parent().find('.icon-zodiak-chevron-down').removeClass('active');\n\t\t\t\t\t\t});\n                    });\n                });\n            });\n        <\/script>\n\n\t\t<div class=\"mf-field-wrapper  col-sm-12\">\n\t\t<label for=\"_mf_960577_9715_4099513395\" class=\"form-label\">\n\t\t\t (Optionnel)\t\t<\/label>\n\n\t\t\n\t\t<div class=\"checkbox-controls checkbox\">\n\n\t\t\t\n\t\t\t\t<div class=\"form-check\">\n\n\t\t\t\t\t<input class=\"form-check-input\" type=\"checkbox\"\n\t\t\t\t\t\tname=\"_mf_960577_9715[]\"\n\t\t\t\t\t\tid=\"_mf_960577_9715_0_4099513395\"\n\t\t\t\t\t\tvalue=\"lifeinsurancesubscription\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t>\n\n\t\t\t\t\t<label class=\"form-check-label\" for=\"_mf_960577_9715_0_4099513395\">\n\t\t\t\t\t\tEn soumettant ce formulaire, j\u2019accepte que mes donn\u00e9es personnelles soient trait\u00e9es par Capgemini afin d\u2019\u00eatre contact\u00e9(e) concernant des offres d\u2019assurance vie et des informations associ\u00e9es.\t\t\t\t\t<\/label>\n\n\t\t\t\t<\/div>\n\n\t\t\t\t\n\t\t<\/div>\n\n\t\t<\/div><div class=\"mf-field-wrapper  col-sm-12\">\n\t\t<div class=\"form-check checkbox-controls\">\n\n\t\t\t<input type=\"checkbox\" id=\"_mf_813557_3262_1523121413\" class=\"form-check-input\"\n\t\t\t\tname=\"_mf_813557_3262[]\"\n\t\t\t\tvalue=\"1\"\n\t\t\t\trequired\n\t\t\t>\n\n\t\t\t<label for=\"_mf_813557_3262_1523121413\" class=\"form-check-label consent-text\">\n\t\t\t\tJ\u2019accepte que Capgemini collecte et traite mes donn\u00e9es personnelles afin de me permettre de recevoir des informations sur les services de Capgemini. Pour en savoir plus, veuillez consulter notre<a href=\"https:\/\/www.capgemini.com\/fr-fr\/charte-de-protection-des-donnees-personnelles\/\" target=\"_blank\"> Politique de confidentialit\u00e9<\/a>.  &nbsp;\t\t\t<\/label>\n\n\t\t<\/div>\n\t\t<\/div>\t\t\t<div class=\"mf_field mf_field--recaptcha\">\n\t\t\t\t<div class=\"g-recaptcha\" data-sitekey=\"6Lc3OpIUAAAAADY4ErEHF0HF6Tr7vuknduDU-fbl\"><\/div>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t<div class=\"mf_field mf_field--submit\" >\n\t\t\t\t<div class=\"slide-button-background button-background\">\n\t\t\t\t\t<label for=\"slider-submit-_mf_813557_1867\" class=\"slide-text\">\n\t\t\t\t\t\tFaire glisser\t\t\t\t\t<\/label>\n\t\t\t\t\t<input\n\t\t\t\t\t\tid=\"slider-submit-_mf_813557_1867\"\n\t\t\t\t\t\ttype=\"range\"\n\t\t\t\t\t\tclass=\"mf_field__input slider-frm-btn\"\n\t\t\t\t\t\trel=\"_mf_813557_1867\"\n\t\t\t\t\t\tmin=\"0\"\n\t\t\t\t\t\tmax=\"100\"\n\t\t\t\t\t\tvalue=\"0\"\n\t\t\t\t\t\taria-label=\"Slide to submit\"\n\t\t\t\t\t\taria-describedby=\"slide-instruction-_mf_813557_1867\"\n\t\t\t\t\t\taria-valuenow=\"0\"\n\t\t\t\t\t\taria-valuemin=\"0\"\n\t\t\t\t\t\taria-valuemax=\"100\"\n\t\t\t\t\t\taria-orientation=\"horizontal\"\n\t\t\t\t\t\trole=\"slider\"\n\t\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\t\/>\n\t\t\t\t\t<span id=\"slide-instruction-_mf_813557_1867\" class=\"sr-only\">\n\t\t\t\t\t\tUtilisez les fl\u00e8ches droite pour faire d\u00e9filer ou faites glisser vers la droite avec votre doigt. Lorsque vous atteignez 100 %, le formulaire est envoy\u00e9.\t\t\t\t\t<\/span>\n\t\t\t\t\t<!-- Mobile-only submit button fallback -->\n\t\t\t\t\t<button type=\"submit\" class=\"mf-mobile-submit-btn\" disabled>\n\t\t\t\t\t\t<span class=\"sr-only\">Si vous utilisez un lecteur d\u2019\u00e9cran ou VoiceOver, appuyez deux fois sur ce bouton pour envoyer le formulaire.<\/span>\n\t\t\t\t\t\tFaire glisser\t\t\t\t\t<\/button>\n\t\t\t\t<\/div>\n\t\t\t\t<input type=\"hidden\" name=\"submit_btn_txt\" class=\"submit_btn_txt\" value=\"Faire glisser\"\/>\n\t\t\t\t<input type=\"hidden\" name=\"submitted_state_txt\" class=\"submitted_state_txt\" value=\"Submitted\"\/>\n\t\t\t<\/div>\n\t\t\t\t\t\t<input type=\"hidden\" name=\"form_id\" data-validate=\"number\" class=\"mf_form__id\" value=\"792445\" \/>\n\t\t\t\t<input type=\"hidden\" name=\"form_title\" class=\"mf_form__title\" value=\"world-payments-report-2026-fr\" \/>\n\t\t\t\t<input type=\"hidden\" name=\"wp_rest_nonce\" class=\"mf_form__wp_rest_nonce\" value=\"c761b96a25\" \/>\n\n\t\t\t\t<input type=\"hidden\" name=\"mf_form_conditional_logic\" class=\"mf_form__title conditional_logic\" value=\"\" \/>\n\t\t\t\t\n\t\t\t\t<input type=\"hidden\" name=\"mf_form_fields_country_dpo_field\" class=\"mf_form__title conditional_logic mf_form_fields_country_dpo_field\" value=\"\" \/>\n\n\t\t\t\t<!-- Anti-spam field -->\n\t\t\t\t<input type=\"text\" \n\t\t\t\t\tname=\"website_url\" \n\t\t\t\t\tclass=\"mf_field__url\" \n\t\t\t\t\tautocomplete=\"off\"\n\t\t\t\t\ttabindex=\"-1\"\n\t\t\t\t\taria-hidden=\"true\"\n\t\t\t\t\tstyle=\"position:absolute;left:-9999px;width:1px;height:1px;opacity:0;pointer-events:none;\" \n\t\t\t\t\/>\n\t\t\t<\/form>\n\n\t\t\t<div class=\"mf_form__success\" tabindex=\"0\" role=\"alert\">\n\t\t\t\t<h3>Merci pour votre int\u00e9r\u00eat.<\/h3><br><h2><a href=\"https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2025\/09\/WPR_2026_Final-2MB-Version-1.pdf\" target=\"_blank\" rel=\"noopener\">T\u00e9l\u00e9chargez le rapport<\/a><\/h2><\/p>\n\t\t\t<\/div>\n\t\t\t<div class=\"mf_form__errors\">\n\t\t\t\t<p>D\u00e9sol\u00e9, la soumission du formulaire a \u00e9chou\u00e9. Merci de r\u00e9essayer.<\/p>\n\t\t\t<\/div>\n\t\t\t\t<\/div>\n\n\t\t<script>\n\t\t\twindow.MF_CONFIG792445 = {\"792445\":{\"errors\":[],\"redirect\":\"\"}};\n\t\t<\/script>\n\t<\/div><\/div><\/div><\/div><\/div><\/div><\/section><\/div>\n<\/div><\/div><\/div><\/div><\/div><\/section>\n\n\n\n<section class=\"wp-block-cg-blocks-call-to-action is-style-cg-secondary-2 call-to-action-block\"><div class=\"container\"><div class=\"call-to-action-block-content-wrapper no-description\"><div class=\"text-wrapper no-description\"><h3 class=\"title\" data-maxlength=\"144\">World Payments Report 2026<\/h3> <\/div><div class=\"button-wrapper no-description\"><\/div><\/div><\/div><\/section>\n\n\n\n<section class=\"wp-block-cg-blocks-how-we-do-it section section--howwedoit block-howwedoit\"><div class=\"container\"><div class=\"section-content\">\n<div class=\"wp-block-cg-blocks-card-howwedoit expanders\"><div class=\"box card-regulated-agreements card-howwedoit\"><div class=\"expander-box filter-box tag-active \"><div class=\"expander-title\" tabindex=\"0\" role=\"button\" aria-pressed=\"false\" aria-expanded=\"false\"><h3 class=\"expander-heading-title\">Point cl\u00e9 1<\/h3><\/div><div class=\"expander-subtitle\"><p class=\"small-description\"><strong>La croissance des transactions de paiements d\u00e9mat\u00e9rialis\u00e9es transforme la stratosph\u00e8re des paiements<\/strong><\/p><\/div><div class=\"expander-content\"><p>Les transactions de paiements d\u00e9mat\u00e9rialis\u00e9es s\u2019acc\u00e9l\u00e8rent \u00e0 l\u2019\u00e9chelle mondiale, port\u00e9es par des g\u00e9n\u00e9rations \u00ab mobile-first \u00bb, l\u2019essor du e-commerce et le d\u00e9veloppement du paiement instantan\u00e9. Les consommateurs se tournent vers les wallets ou portefeuilles digitaux et les paiements instantan\u00e9s de compte \u00e0 compte. De ce fait, les commer\u00e7ants recherchent des solutions omnicanales s\u00e9curis\u00e9es et \u00e9volutives.<\/p><div class=\"bg-color video-align-right\"><div class=\"container\"><div class=\"row video-align-left\"><div class=\"col-md-12\"><div class=\"video-align-left row box box--4 box--mini\"><div class=\"col-md-3\"><\/div><div class=\"col-md-8 box-img-wrapper\"><div class=\"video-box\"><\/div><\/div><\/div><\/div><\/div><\/div><\/div>\n<embedded report=\"@capgemini\/wpr26-fig1\"><\/embedded>\n<script src=\"https:\/\/capgemini.rationalbi.com\/d\/embedded\"><\/script>\n<div class=\"content-more\"><\/div><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-cg-blocks-card-howwedoit expanders\"><div class=\"box card-regulated-agreements card-howwedoit\"><div class=\"expander-box filter-box tag-active \"><div class=\"expander-title\" tabindex=\"0\" role=\"button\" aria-pressed=\"false\" aria-expanded=\"false\"><h3 class=\"expander-heading-title\">Point cl\u00e9 2<\/h3><\/div><div class=\"expander-subtitle\"><p class=\"small-description\"><strong>Les commer\u00e7ants et leurs attentes \u00e9voluent \u00e9galement<\/strong><\/p><\/div><div class=\"expander-content\"><p>Les commer\u00e7ants \u00e9voluent rapidement pour r\u00e9pondre aux attentes croissantes des consommateurs et \u00e0 la complexit\u00e9 du commerce digital. Les petites entreprises privil\u00e9gient la s\u00e9curit\u00e9, l\u2019omnicanalit\u00e9 et la rapidit\u00e9 de paiement, tandis que les commer\u00e7ants de taille moyenne et les grandes enseignes se concentrent sur l\u2019efficacit\u00e9, la personnalisation et l\u2019int\u00e9gration fluide entre plateformes. \u00c0 mesure que leurs besoins se complexifient, le service aux commer\u00e7ants devient le pilier du commerce moderne.<\/p><div class=\"bg-color video-align-right\"><div class=\"container\"><div class=\"row video-align-left\"><div class=\"col-md-12\"><div class=\"video-align-left row box box--4 box--mini\"><div class=\"col-md-3\"><\/div><div class=\"col-md-8 box-img-wrapper\"><div class=\"video-box\"><\/div><\/div><\/div><\/div><\/div><\/div><\/div>\n<embedded report=\"@capgemini\/wpr26-fig2\"><\/embedded>\n<script src=\"https:\/\/capgemini.rationalbi.com\/d\/embedded\"><\/script>\n<div class=\"content-more\"><\/div><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-cg-blocks-card-howwedoit expanders\"><div class=\"box card-regulated-agreements card-howwedoit\"><div class=\"expander-box filter-box tag-active \"><div class=\"expander-title\" tabindex=\"0\" role=\"button\" aria-pressed=\"false\" aria-expanded=\"false\"><h3 class=\"expander-heading-title\">Point cl\u00e9 3<\/h3><\/div><div class=\"expander-subtitle\"><p class=\"small-description\"><strong>Les banques ne r\u00e9pondent pas aux attentes cl\u00e9s des commer\u00e7ants<\/strong><\/p><\/div><div class=\"expander-content\"><p>Les attentes des commer\u00e7ants augmentent au fur et \u00e0 mesure de l\u2019apparition de nouveaux moyens de paiements, et les banques ont de plus en plus de mal \u00e0 r\u00e9pondre \u00e0 ces attentes. Une int\u00e9gration lente, des infrastructures peu fiables et une protection contre la fraude limit\u00e9e nuisent \u00e0 la confiance, en particulier chez les petits et moyens commer\u00e7ants. Faute d\u2019offres personnalis\u00e9es accessibles aupr\u00e8s de la plupart des banques, de nombreux commer\u00e7ants se tournent vers les PayTechs pour b\u00e9n\u00e9ficier d\u2019un meilleur accompagnement.<\/p><div class=\"bg-color video-align-right\"><div class=\"container\"><div class=\"row video-align-left\"><div class=\"col-md-12\"><div class=\"video-align-left row box box--4 box--mini\"><div class=\"col-md-3\"><\/div><div class=\"col-md-8 box-img-wrapper\"><div class=\"video-box\"><\/div><\/div><\/div><\/div><\/div><\/div><\/div>\n<embedded report=\"@capgemini\/wpr26-fig3\"><\/embedded>\n<script src=\"https:\/\/capgemini.rationalbi.com\/d\/embedded\"><\/script>\n<div class=\"content-more\"><\/div><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-cg-blocks-card-howwedoit expanders\"><div class=\"box card-regulated-agreements card-howwedoit\"><div class=\"expander-box filter-box tag-active \"><div class=\"expander-title\" tabindex=\"0\" role=\"button\" aria-pressed=\"false\" aria-expanded=\"false\"><h3 class=\"expander-heading-title\">Point cl\u00e9 4<\/h3><\/div><div class=\"expander-subtitle\"><p class=\"small-description\"><strong>Les banques qui ma\u00eetrisent le bon mix de fonctionnalit\u00e9s peuvent reconqu\u00e9rir les commer\u00e7ants<\/strong><\/p><\/div><div class=\"expander-content\"><p>Les commer\u00e7ants attendent d\u00e9sormais bien plus que de simples capacit\u00e9s de paiement. De la d\u00e9tection du risque de fraude avant la transaction, au r\u00e8glement instantan\u00e9 en passant par les avances de fonds de roulement, les services \u00e0 valeur ajout\u00e9e deviennent essentiels. Les priorit\u00e9s varient selon la taille, mais beaucoup sont pr\u00eats \u00e0 payer plus pour des outils qui am\u00e9liorent l\u2019efficacit\u00e9, la s\u00e9curit\u00e9 et l\u2019engagement client.<\/p><div class=\"bg-color video-align-right\"><div class=\"container\"><div class=\"row video-align-left\"><div class=\"col-md-12\"><div class=\"video-align-left row box box--4 box--mini\"><div class=\"col-md-3\"><\/div><div class=\"col-md-8 box-img-wrapper\"><div class=\"video-box\"><\/div><\/div><\/div><\/div><\/div><\/div><\/div>\n<embedded report=\"@capgemini\/wpr26-fig4\"><\/embedded>\n<script src=\"https:\/\/capgemini.rationalbi.com\/d\/embedded\"><\/script>\n<div class=\"content-more\"><\/div><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-cg-blocks-card-howwedoit expanders\"><div class=\"box card-regulated-agreements card-howwedoit\"><div class=\"expander-box filter-box tag-active \"><div class=\"expander-title\" tabindex=\"0\" role=\"button\" aria-pressed=\"false\" aria-expanded=\"false\"><h3 class=\"expander-heading-title\">Point cl\u00e9 5<\/h3><\/div><div class=\"expander-subtitle\"><p class=\"small-description\"><strong>D\u00e9velopper des capacit\u00e9s digitales solides pour soutenir la strat\u00e9gie d\u2019entreprise<\/strong><\/p><\/div><div class=\"expander-content\"><p>La r\u00e9ussite dans les services aux commer\u00e7ants repose sur la construction d\u2019une base technologique digitale adapt\u00e9e. Gr\u00e2ce \u00e0 une infrastructure modulaire, des interfaces intuitives, des API plug-and-play et des workflows int\u00e9gr\u00e9s, les banques peuvent rester agiles, \u00e9voluer efficacement et offrir des exp\u00e9riences fluides sur tous les canaux.<\/p><div class=\"bg-color video-align-right\"><div class=\"container\"><div class=\"row video-align-left\"><div class=\"col-md-12\"><div class=\"video-align-left row box box--4 box--mini\"><div class=\"col-md-3\"><\/div><div class=\"col-md-8 box-img-wrapper\"><div class=\"video-box\"><\/div><\/div><\/div><\/div><\/div><\/div><\/div>\n<embedded report=\"@capgemini\/wpr26-fig5\"><\/embedded>\n<script src=\"https:\/\/capgemini.rationalbi.com\/d\/embedded\"><\/script>\n<div class=\"content-more\"><\/div><\/div><\/div><\/div><\/div>\n<\/div><\/div><\/section>\n\n\n\n<section class=\"wp-block-cg-blocks-group 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 class=\"has-small-font-size\">* Dans le cadre de cette \u00e9tude, le terme&nbsp;\u00ab PayTechs \u00bb&nbsp;d\u00e9signe les entreprises qui d\u00e9veloppent et fournissent des solutions de traitement des paiements, notamment les paiements mobiles, les transactions sans contact, les portefeuilles num\u00e9riques et les passerelles de paiement.<br>Cela inclut les&nbsp;prestataires de services de paiement (PSP), les&nbsp;facilitateurs de paiement (PayFacs)&nbsp;et les&nbsp;\u00e9diteurs de logiciels ind\u00e9pendants (ISV)&nbsp;proposant des capacit\u00e9s de paiement int\u00e9gr\u00e9es, adapt\u00e9es \u00e0 des besoins m\u00e9tiers ou \u00e0 des secteurs sp\u00e9cifiques.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/section>\n\n\n<section class=\"latest-insights layout-even layout-even-all-purple-cards \"><div class=\"container\"><div class=\"insight-title\"><h2 class=\"latest-insight-title\">Publications associ\u00e9es<\/h2><\/div><div class=\"layout-two-card cards-normal\">\n                                <div class=\"row align-items-center\"><div class=\"card-image-wrapper\">\n                                <div class=\"card-image\" data-image-url=\"https:\/\/www.capgemini.com\/fr-fr\/perspectives\/publications\/world-payments-report-2025\/\">\n\t\t\t\t\t\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\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/09\/WPR25_Landing-page-banner_2880x1800px-copy.jpg?w=800&#038;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/09\/WPR25_Landing-page-banner_2880x1800px-copy.jpg?w=800&#038;quality=70 2x\"\n\t\t\t\t\t\t\t\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\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/09\/WPR25_Landing-page-banner_2880x1800px-copy.jpg?w=800&#038;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/09\/WPR25_Landing-page-banner_2880x1800px-copy.jpg?w=800&#038;quality=70 2x\"\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\tmedia=\"(min-width: 992px)\"\/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/09\/WPR25_Landing-page-banner_2880x1800px-copy.jpg?w=800&#038;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/09\/WPR25_Landing-page-banner_2880x1800px-copy.jpg?w=800&#038;quality=70 2x\"\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\tmedia=\"(min-width: 768px)\"\/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/09\/WPR25_Landing-page-banner_2880x1800px-copy.jpg?w=350&#038;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/09\/WPR25_Landing-page-banner_2880x1800px-copy.jpg?w=700&#038;quality=70 2x\"\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\tmedia=\"(min-width: 0)\"\/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/09\/WPR25_Landing-page-banner_2880x1800px-copy.jpg\" alt=\"\" style=\"object-position: 50% 50%; object-fit: cover;\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/picture>\n                                <\/div>\n                            <\/div><div class=\"col-12 col-lg-4 d-md-none d-lg-block\"><\/div><div class=\"col-12 col-md-6 col-lg-4\">\n                           <a href=\"https:\/\/www.capgemini.com\/fr-fr\/perspectives\/publications\/world-payments-report-2025\/\" aria-label=\"World Payments Report 2025\" class=\"card-link-holder\">\n                            <div class=\"insight-card insight-card-center\">\n                                <div class=\"card-tag\">Rapport<\/div>\n                                <h3 class=\"card-title\">World Payments Report 2025<\/h3>\n                                <div class=\"insight-card-footer\">\n                                    <img decoding=\"async\" loading=\"lazy\" src=\"\" alt=\"\" class=\"light\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" src=\"\" alt=\"\" class=\"dark\">\n                                <\/div>\n                            <\/div>\n                            <\/a>\n                        <\/div>\n                    <div class=\"col-12 col-md-6 col-lg-4\">\n                            <a href=\"https:\/\/www.capgemini.com\/fr-fr\/perspectives\/publications\/technovision-2024-services-financiers\/\" aria-label=\"TechnoVision 2024 : services financiers\" class=\"card-link-holder\">\n                            <div class=\"insight-card insight-card-start\">\n                                <div class=\"card-tag\">Rapport<\/div>\n                                <h3 class=\"card-title\">TechnoVision 2024 : services financiers<\/h3>\n                                <div class=\"insight-card-footer\">\n                                    <img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/fr-fr\/wp-content\/themes\/capgemini2025\/assets\/images\/capgemini-white.svg\" alt=\"capgemini\" class=\"light\">\n                                    <img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/fr-fr\/wp-content\/themes\/capgemini2025\/assets\/images\/capgemini-white.svg\" alt=\"capgemini\" class=\"dark\">\n                                <\/div>\n                            <\/div>\n                            <\/a>\n                        <\/div>\n                    <\/div>\n                    <\/div><div class=\"layout-two-card cards-reversed\">\n                                <div class=\"row align-items-center\"><div class=\"card-image-wrapper\">\n                                <div class=\"card-image\" data-image-url=\"https:\/\/www.capgemini.com\/fr-fr\/perspectives\/publications\/world-retail-banking-report-2024\/\">\n\t\t\t\t\t\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\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2024\/03\/WRBR_2024_Banner_2800X1800.jpg?w=800&#038;quality=70 1x, https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2024\/03\/WRBR_2024_Banner_2800X1800.jpg?w=800&#038;quality=70 2x\"\n\t\t\t\t\t\t\t\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\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2024\/03\/WRBR_2024_Banner_2800X1800.jpg?w=800&#038;quality=70 1x, https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2024\/03\/WRBR_2024_Banner_2800X1800.jpg?w=800&#038;quality=70 2x\"\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\tmedia=\"(min-width: 992px)\"\/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2024\/03\/WRBR_2024_Banner_2800X1800.jpg?w=800&#038;quality=70 1x, https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2024\/03\/WRBR_2024_Banner_2800X1800.jpg?w=800&#038;quality=70 2x\"\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\tmedia=\"(min-width: 768px)\"\/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2024\/03\/WRBR_2024_Banner_2800X1800.jpg?w=350&#038;quality=70 1x, https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2024\/03\/WRBR_2024_Banner_2800X1800.jpg?w=700&#038;quality=70 2x\"\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\tmedia=\"(min-width: 0)\"\/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2024\/03\/WRBR_2024_Banner_2800X1800.jpg\" alt=\"\" style=\"object-position: 50% 50%; object-fit: cover;\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/picture>\n                                <\/div>\n                            <\/div><div class=\"col-12 col-md-6 col-lg-4 flex-sm-order-reverse\">\n                            <a href=\"https:\/\/www.capgemini.com\/fr-fr\/perspectives\/publications\/top-trends-2025-paiements\/\" aria-label=\"Top trends 2025 - Paiements\" class=\"card-link-holder\">\n                            <div class=\"insight-card insight-card-start\">\n                                <div class=\"card-tag\">Capgemini Research Institute<\/div>\n                                <h3 class=\"card-title\">Top trends 2025 &#8211; Paiements<\/h3>\n                                <div class=\"insight-card-footer\">\n                                    <img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/fr-fr\/wp-content\/themes\/capgemini2025\/assets\/images\/capgemini-research-institute-white.svg\" alt=\"capgemini-research-institute\" class=\"light\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/fr-fr\/wp-content\/themes\/capgemini2025\/assets\/images\/capgemini-research-institute-white.svg\" alt=\"capgemini-research-institute\" class=\"dark\">\n                                <\/div>\n                            <\/div>\n                            <\/a>\n                        <\/div>\n                    <div class=\"col-12 col-md-6 col-lg-4\">\n                           <a href=\"https:\/\/www.capgemini.com\/fr-fr\/perspectives\/publications\/world-retail-banking-report-2024\/\" aria-label=\"World Retail Banking Report 2024\" class=\"card-link-holder\">\n                            <div class=\"insight-card insight-card-center\">\n                                <div class=\"card-tag\">Capgemini Research Institute<\/div>\n                                <h3 class=\"card-title\">World Retail Banking Report 2024<\/h3>\n                                <div class=\"insight-card-footer\">\n                                    <img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/fr-fr\/wp-content\/themes\/capgemini2025\/assets\/images\/capgemini-research-institute.svg\" alt=\"capgemini-research-institute\" class=\"light\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/fr-fr\/wp-content\/themes\/capgemini2025\/assets\/images\/capgemini-research-institute-white.svg\" alt=\"capgemini-research-institute\" class=\"dark\">\n                                <\/div>\n                            <\/div>\n                            <\/a>\n                        <\/div>\n                    <div class=\"col-12 col-lg-4 d-md-none d-lg-block\"><\/div><\/div>\n                    <\/div><\/div><\/section>\n\n\n<section class=\"wp-block-cg-blocks-wrapper-card-related-capabilities undefined card-related-capability\"><div class=\"cardelatedBgShape\"><\/div><div class=\"container\"><div class=\"contentTitle\"><h2 data-maxlength=\"34\" class=\"capabilities-heading\">Notre expertise sectorielle<\/h2><\/div><div class=\"row\">\n<div class=\"wp-block-cg-blocks-card-related-capabilities col-md-4 gridbox card-block\"><div class=\"box box--1 capblock\"><div class=\"box-img-wrapper\"><div class=\"img-ratio\"><img decoding=\"async\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2021\/12\/Capgemini_Industries_Capital-Markets_Cards-and-payments_2.jpg?w=500&amp;quality=70\" srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2021\/12\/Capgemini_Industries_Capital-Markets_Cards-and-payments_2.jpg?w=500&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2021\/12\/Capgemini_Industries_Capital-Markets_Cards-and-payments_2.jpg?w=1000&amp;quality=70 2x\" class=\"box-img\" alt=\"\" style=\"object-fit:cover;object-position:50% 50%\" loading=\"lazy\"\/><\/div><\/div><div class=\"box-inner\"><a class=\"box-title\" aria-label=\"Paiements\" href=\"https:\/\/www.capgemini.com\/fr-fr\/secteurs\/marches-bancaires-et-financiers\/cartes-et-paiements\/\" target=\"\" rel=\"noopener noreferrer\" title=\"Ouvrir dans une nouvelle fen\u00eatre\"><h3 class=\"card-subtitle\">Paiements<\/h3><\/a><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-cg-blocks-card-related-capabilities col-md-4 gridbox card-block\"><div class=\"box box--1 capblock\"><div class=\"box-img-wrapper\"><div class=\"img-ratio\"><img decoding=\"async\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2021\/08\/Capgemini_Industries_Capital-Markets.jpg?w=500&amp;quality=70\" srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2021\/08\/Capgemini_Industries_Capital-Markets.jpg?w=500&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2021\/08\/Capgemini_Industries_Capital-Markets.jpg?w=1000&amp;quality=70 2x\" class=\"box-img\" alt=\"\" style=\"object-fit:cover;object-position:50% 50%\" loading=\"lazy\"\/><\/div><\/div><div class=\"box-inner\"><a class=\"box-title\" aria-label=\"March\u00e9s bancaires et financiers\" href=\"https:\/\/www.capgemini.com\/fr-fr\/secteurs\/marches-bancaires-et-financiers\/\" target=\"\" rel=\"noopener noreferrer\" title=\"Ouvrir dans une nouvelle fen\u00eatre\"><h3 class=\"card-subtitle\">March\u00e9s bancaires et financiers<\/h3><\/a><\/div><\/div><\/div>\n<\/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\">Nos experts<\/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\/2022\/04\/Christophe-Vergne-PC.jpg\" alt=\"Christophe Vergne\"\/>\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:\/\/fr.linkedin.com\/in\/vergnechristophe\"><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\">Christophe Vergne<\/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>Cards and Payments SME (Europe), Capgemini<\/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:\/\/fr.linkedin.com\/in\/vergnechristophe\"><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\">Fort d&#8217;une solide exp\u00e9rience dans la banque, Christophe Vergne a jou\u00e9 un r\u00f4le essentiel dans la construction de la practice paiements globale de Capgemini, permettant aux grandes institutions de transformer et de consolider leur leadership sur tous les segments et services du march\u00e9. Au cours des dix derni\u00e8res ann\u00e9es, Christophe a \u00e9t\u00e9 le co-auteur du World Payments Report, contribuant \u00e0 en faire la publication de r\u00e9f\u00e9rence sur la transformation des paiements. Il est un expert, un conf\u00e9rencier, un blogueur et un conseiller pour les CXO du secteur payments.<\/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\/2022\/04\/elias-ghanem_new-1.jpg\" alt=\"Elias Ghanem\"\/>\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\/eliasghanemfintech\/\"><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\">Elias Ghanem<\/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>Global Head of Capgemini Research Institute for Financial Services, Capgemini<\/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\/eliasghanemfintech\/\"><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\">Elias\u00a0est le\u00a0Directeur mondial du Capgemini Research Institute pour le secteur financier. Il est responsable des publications, positionnement et prise de parole du groupe quant \u00e0 l\u2019\u00e9volution du secteur financier. Elias est un\u00a0expert en paiements, avec plus de 20 ans d&#8217;exp\u00e9rience chez\u00a0VISA,\u00a0PayPal\u00a0et\u00a0Telr, une PayTech qu\u2019il a co-fond\u00e9e en 2013. Il est un expert, un conf\u00e9rencier, un blogueur et un conseiller pour les CXO de la banque priv\u00e9e, banque de d\u00e9tail et de paiements.<\/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=\"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-how-we-do-it section section--howwedoit block-howwedoit\"><div class=\"container\"><div class=\"section-content\">\n<div class=\"wp-block-cg-blocks-card-howwedoit expanders\"><div class=\"box card-regulated-agreements card-howwedoit\"><div class=\"expander-box filter-box tag-active \"><div class=\"expander-title\" tabindex=\"0\" role=\"button\" aria-pressed=\"false\" aria-expanded=\"false\"><h3 class=\"expander-heading-title\">Nos pr\u00e9c\u00e9dents World Payments Reports<\/h3><\/div><div class=\"expander-content\"><p><a href=\"https:\/\/www.capgemini.com\/fr-fr\/perspectives\/publications\/world-payments-report-2025\/\" target=\"_blank\" rel=\"noreferrer noopener sponsored nofollow\">World Payments Report 2025<\/a><br><a href=\"https:\/\/go.capgeminigroup.com\/l\/95412\/2023-09-12\/7tbpd6\/95412\/1694547172idbuBtLE\/WPR_2023_web.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">World Payments Report 2023<\/a><br><a href=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/08\/WPR-2022.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">World Payments Report 2022<\/a><br><a href=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/08\/World-Payments-Report_2021_Web.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">World Payments Report 2021<\/a><\/p><div class=\"bg-color video-align-right\"><div class=\"container\"><div class=\"row video-align-left\"><div class=\"col-md-12\"><div class=\"video-align-left row box box--4 box--mini\"><div class=\"col-md-3\"><\/div><div class=\"col-md-8 box-img-wrapper\"><div class=\"video-box\"><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"content-more\"><\/div><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-cg-blocks-card-howwedoit expanders\"><div class=\"box card-regulated-agreements card-howwedoit\"><div class=\"expander-box filter-box tag-active \"><div class=\"expander-title\" tabindex=\"0\" role=\"button\" aria-pressed=\"false\" aria-expanded=\"false\"><h3 class=\"expander-heading-title\">Disclaimer<\/h3><\/div><div class=\"expander-content\"><p>Les informations contenues dans ce rapport sont d&#8217;ordre g\u00e9n\u00e9ral et ne constituent pas des conseils juridiques, fiscaux, financiers ou professionnels. Capgemini n&#8217;assume aucune responsabilit\u00e9 en cas d&#8217;erreurs ou d&#8217;omissions, ni en ce qui concerne l&#8217;utilisation de ces informations. Ce rapport est fourni \u00e0 titre d&#8217;information uniquement et peut ne pas r\u00e9pondre \u00e0 vos besoins sp\u00e9cifiques. Capgemini d\u00e9cline toute responsabilit\u00e9 en cas d&#8217;inexactitude de la traduction et fournit les informations \u00ab en l&#8217;\u00e9tat \u00bb, sans garantie. Capgemini ne peut \u00eatre tenu responsable de toute perte r\u00e9sultant de la confiance accord\u00e9e \u00e0 ces informations.<\/p><div class=\"bg-color video-align-right\"><div class=\"container\"><div class=\"row video-align-left\"><div class=\"col-md-12\"><div class=\"video-align-left row box box--4 box--mini\"><div class=\"col-md-3\"><\/div><div class=\"col-md-8 box-img-wrapper\"><div class=\"video-box\"><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"content-more\"><\/div><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-cg-blocks-card-howwedoit expanders\"><div class=\"box card-regulated-agreements card-howwedoit\"><div class=\"expander-box filter-box tag-active \"><div class=\"expander-title\" tabindex=\"0\" role=\"button\" aria-pressed=\"false\" aria-expanded=\"false\"><h3 class=\"expander-heading-title\">Avertissements\/Remerciements<\/h3><\/div><div class=\"expander-content\"><p>Les informations contenues dans ce rapport sont g\u00e9n\u00e9rales et ne constituent pas des conseils juridiques, fiscaux, financiers, d\u2019investissement ou professionnels.<br>Capgemini d\u00e9cline toute responsabilit\u00e9 en cas d\u2019erreurs ou d\u2019omissions, ou de l\u2019utilisation de ce contenu.<br>Ce rapport est fourni uniquement \u00e0 titre informatif et peut ne pas r\u00e9pondre \u00e0 vos besoins sp\u00e9cifiques.<br>Capgemini d\u00e9cline toute responsabilit\u00e9 en cas d\u2019inexactitudes de traduction et fournit les informations &#8220;en l\u2019\u00e9tat&#8221;, sans garantie.<br>Capgemini ne pourra \u00eatre tenu responsable de toute perte r\u00e9sultant de la confiance accord\u00e9e \u00e0 ces informations.<\/p><div class=\"bg-color video-align-right\"><div class=\"container\"><div class=\"row video-align-left\"><div class=\"col-md-12\"><div class=\"video-align-left row box box--4 box--mini\"><div class=\"col-md-3\"><\/div><div class=\"col-md-8 box-img-wrapper\"><div 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Nous avons bien pris en compte votre abonnement.<\/p>\n\t\t\t<\/div>\n\t\t\t<div class=\"mf_form__errors\">\n\t\t\t\t<p>D\u00e9sol\u00e9, la soumission du formulaire a \u00e9chou\u00e9. Merci de r\u00e9essayer.<\/p>\n\t\t\t<\/div>\n\t\t\t\t<\/div>\n\n\t\t<script>\n\t\t\twindow.MF_CONFIG722015 = {\"722015\":{\"errors\":[],\"redirect\":\"\"}};\n\t\t<\/script>\n\t<\/div><\/div><\/div><\/div><\/div><\/div><\/section>\n","protected":false},"excerpt":{"rendered":"<p>Le secteur mondial des paiements est en pleine mutation, les consommateurs privil\u00e9gient majoritairement les transactions num\u00e9riques au d\u00e9triment de l&#8217;argent liquide. Les r\u00e9glementations favorables et les innovations du secteur, en particulier la finance ouverte et les paiements instantan\u00e9s, jouent toutes deux un r\u00f4le cl\u00e9 dans cette transformation.<\/p>\n","protected":false},"author":81,"featured_media":792407,"template":"","meta":{"cg_dt_proposed_to":[21],"cg_seo_hreflang_relations":"[]","cg_seo_canonical_relation":"","cg_seo_hreflang_x_default_relation":"{\"uuid\":\"efe297f0-6112-4898-b039-9bfb31ab830e\",\"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":"This is a new page on global (was formerly outside the global site)","cg_dg_source_changed":true,"cg_dt_link_disabled":true,"footnotes":"","related_resource_url":"","related_resource_id":0,"related_resource_size":"","related_resource_type":"","cg_author":0,"_yoast_wpseo_primary_theme":0,"primary_term":"Services Financiers","featured_focal_points":""},"tags":[200],"research-and-insight-type":[41,80],"theme":[],"brand":[368],"service":[],"industry":[27],"partners":[],"content-group":[],"class_list":["post-729318","research-and-insight","type-research-and-insight","status-publish","has-post-thumbnail","hentry","tag-banque","research-and-insight-type-cri-report","research-and-insight-type-rapport","brand-capgemini-research-institute","industry-banques"],"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>World Payments Report 2026<\/title>\n<meta name=\"description\" content=\"Le secteur mondial des paiements est en pleine mutation, les consommateurs privil\u00e9gient majoritairement les transactions num\u00e9riques au d\u00e9triment de l&#039;argent liquide. Les r\u00e9glementations favorables et les innovations du secteur, en particulier la finance ouverte et les paiements instantan\u00e9s, jouent toutes deux un r\u00f4le cl\u00e9 dans cette transformation.\" \/>\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\/publications\/world-payments-report\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"World Payments Report 2026\" \/>\n<meta property=\"og:description\" content=\"Le secteur mondial des paiements est en pleine mutation, les consommateurs privil\u00e9gient majoritairement les transactions num\u00e9riques au d\u00e9triment de l&#039;argent liquide. 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