{"id":744782,"date":"2024-03-05T23:01:00","date_gmt":"2024-03-05T22:01:00","guid":{"rendered":"https:\/\/www.capgemini.com\/fr-fr\/?post_type=research-and-insight&#038;p=744782"},"modified":"2025-12-04T01:58:48","modified_gmt":"2025-12-04T00:58:48","slug":"world-retail-banking-report","status":"publish","type":"research-and-insight","link":"https:\/\/www.capgemini.com\/fr-fr\/perspectives\/publications\/world-retail-banking-report-2024\/","title":{"rendered":"World Retail Banking Report 2024"},"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\/2022\/04\/WRBR_2024_Banner_2800X1800.jpg?w=2880&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2022\/04\/WRBR_2024_Banner_2800X1800.jpg?w=2880&amp;quality=70 2x\" media=\"(min-width: 1500px)\"\/><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2022\/04\/WRBR_2024_Banner_2800X1800.jpg?w=1440&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2022\/04\/WRBR_2024_Banner_2800X1800.jpg?w=2880&amp;quality=70 2x\" media=\"(min-width: 992px)\"\/><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2022\/04\/WRBR_2024_Banner_2800X1800.jpg?w=1024&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2022\/04\/WRBR_2024_Banner_2800X1800.jpg?w=1024&amp;quality=70 2x\" media=\"(min-width: 768px)\"\/><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2022\/04\/WRBR_2024_Banner_2800X1800.jpg?w=768&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2022\/04\/WRBR_2024_Banner_2800X1800.jpg?w=768&amp;quality=70 2x\" media=\"(min-width: 0)\"\/><img decoding=\"async\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2022\/04\/WRBR_2024_Banner_2800X1800.jpg\" class=\"header-img header-img-d\" alt=\"\" style=\"object-fit:cover;object-position:46% 57.99999999999999%\" 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 Retail Banking Report 2024<\/h1><\/div><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\/2024\/03\/03_05_WRBR-Press-Release_FR-2.pdf\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"Ouvrir dans une nouvelle fen\u00eatre\"><span>Consulter le communiqu\u00e9 de presse<\/span><span class=\"type\">149 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<h3 class=\"wp-block-heading\" id=\"h-les-banques-intelligentes-font-plus-avec-moins-prenez-de-l-avance-en-matiere-d-efficacite-grace-a-des-services-bancaires-personnalises-et-sans-complications\">Les banques intelligentes font plus avec moins : prenez de l&#8217;avance en mati\u00e8re d&#8217;efficacit\u00e9 gr\u00e2ce \u00e0 des services bancaires personnalis\u00e9s et sans complications<\/h3>\n\n\n\n<figure class=\"wp-block-image alignleft size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" height=\"1024\" width=\"719\" src=\"https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2024\/03\/image.png?w=719\" alt=\"\" class=\"wp-image-744796\" style=\"aspect-ratio:0.7028347996089932;width:125px;height:auto\" srcset=\"https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2024\/03\/image.png 786w, https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2024\/03\/image.png?resize=211,300 211w, https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2024\/03\/image.png?resize=768,1093 768w, https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2024\/03\/image.png?resize=719,1024 719w\" sizes=\"auto, (max-width: 719px) 100vw, 719px\" \/><\/figure>\n\n\n\n<p>En 2024, les banques de d\u00e9tail du monde entier seront confront\u00e9es \u00e0 un environnement volatile et incertain : naviguer sur ce terrain complexe sera un d\u00e9fi et n\u00e9cessitera des solutions intelligentes pour maintenir la rentabilit\u00e9 tout en offrant une exp\u00e9rience client de qualit\u00e9 sup\u00e9rieure.<\/p>\n\n\n\n<p>Les conclusions du World Retail Banking Report 2024, qui f\u00eate son 20e anniversaire, refl\u00e8tent les points de vue de 250 cadres sup\u00e9rieurs et de 1 500 employ\u00e9s du secteur bancaire ainsi que 4 500 clients de la banque de d\u00e9tail, sont les suivantes :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Malgr\u00e9 des d\u00e9fis commerciaux importants et la n\u00e9cessit\u00e9 d&#8217;une discipline en mati\u00e8re de co\u00fbts, les banques continueront d&#8217;investir dans la transformation num\u00e9rique, en se concentrant majoritairement sur l&#8217;IA et l&#8217;IA g\u00e9n\u00e9rative.<\/li>\n\n\n\n<li>\u00c0 mesure que les cas d&#8217;usage de l&#8217;IA se multiplient, les b\u00e9n\u00e9fices modulables n\u00e9cessiteront de trouver un \u00e9quilibre entre l&#8217;am\u00e9lioration de l&#8217;exp\u00e9rience client et l&#8217;optimisation de l&#8217;efficacit\u00e9 op\u00e9rationnelle.<\/li>\n\n\n\n<li>La plupart des banques de d\u00e9tail ont encore beaucoup \u00e0 faire pour d\u00e9velopper leurs technologies et leurs syst\u00e8mes de gestion des donn\u00e9es afin de tirer le meilleur parti de leur transformation intelligente.<\/li>\n<\/ul>\n\n\n\n<div style=\"height:2px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\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-2070947e-8de6-4cd2-9af1-8314eba77bad\" 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-2070947e-8de6-4cd2-9af1-8314eba77bad\"><div class=\"modal-dialog modal-lg modal-dialog-centered modal-dialog-scrollable cta-frontend-modal landing-page-modals\"><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\/capgemini2025\/assets\/images\/logo-white.svg\" alt=\"logo\" class=\"dark\"\/><img decoding=\"async\" loading=\"lazy\" src=\"\/wp-content\/themes\/capgemini2025\/assets\/images\/logo.svg\" alt=\"logo\" class=\"light\"\/><\/div><h4 class=\"form-title\">T\u00e9l\u00e9chargez le rapport<\/h4>\t\t<div class=\"mf_forms__container \">\n\t\t\t\t\t\t\t\t<form id=\"mf_form_744802_472768383\" 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_744802_2655_248322121\" name=\"_mf_744802_2655\" placeholder=\"Pr\u00e9nom\" required \/><label for=\"_mf_744802_2655_248322121\" 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_744802_3045_1866447375\" name=\"_mf_744802_3045\" placeholder=\"Nom\" required \/><label for=\"_mf_744802_3045_1866447375\" 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_744802_7975_1297583891\" name=\"_mf_744802_7975\" placeholder=\"Email\" required \/><label for=\"_mf_744802_7975_1297583891\" 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_744802_3679_1867014937\" name=\"_mf_744802_3679\" placeholder=\"Entreprise\" required \/><label for=\"_mf_744802_3679_1867014937\" 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_744802_5325_4284284808\" name=\"_mf_744802_5325\" placeholder=\"Fonction\" required \/><label for=\"_mf_744802_5325_4284284808\" 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_744802_7235_3336464379\" 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_744802_7235_3336464379\" class=\"mf_field__input empty mf-country-selectbox form_country_select\" name=\"_mf_744802_7235\" data-validate=\"select\" required>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"\" >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\"  selected='selected'>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) 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marketing et communication, comme d\u00e9crit dans notre <a href=\"https:\/\/www.capgemini.com\/fr-fr\/charte-de-protection-des-donnees-personnelles\/\" \/>Politique li\u00e9e aux donn\u00e9es personnelles. <\/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_744802_6698\" 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_744802_6698\"\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_744802_6698\"\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_744802_6698\"\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_744802_6698\" 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=\"Valider\"\/>\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=\"744802\" \/>\n\t\t\t\t<input type=\"hidden\" name=\"form_title\" class=\"mf_form__title\" value=\"formulaire-world-retail-banking-2024\" \/>\n\t\t\t\t<input type=\"hidden\" name=\"wp_rest_nonce\" class=\"mf_form__wp_rest_nonce\" value=\"9d37d73b70\" \/>\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 style=\"text-align: center\">Merci de l\u2019int\u00e9r\u00eat que vous portez \u00e0 notre rapport World Retail Banking.<\/h3><br><h3 style=\"text-align: center\"><a href=\"https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2024\/03\/World-Retail-Banking-Report-2024_Final.pdf\">T\u00e9l\u00e9chargez-le, d\u00e8s maintenant.<\/a><\/h3><br><h3 style=\"text-align: center\">A bient\u00f4t<\/h3><\/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_CONFIG744802 = {\"744802\":{\"errors\":[],\"redirect\":\"\"}};\n\t\t<\/script>\n\t<\/div><\/div><\/div><\/div><\/div><\/div><\/section><\/div>\n\n\n\n<div style=\"height:71px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-le-world-retail-banking-report-en-video\">Le World Retail Banking Report en vid\u00e9o<\/h3>\n\n\n\n<p>Analyse en vid\u00e9o de notre rapport avec Elias Ghanem, suivi d&#8217;une interview de Pierre Ruhlmann, COO Banque Commerciale France BNPP et enfin St\u00e9phane Dalifard, VP head of banking chez Capgemini Invent anime une table ronde consacr\u00e9e aux principaux enseignements du World Retail Banking Report 2024, accompagn\u00e9 de Pierre Ruhlmann, COO chez BNP Paribas, de Mathieu Charles, Customer Strategy chez Temenos et de Mathilde Testard, Head of IA &amp; Data chez Capgemini Invent.<\/p>\n\n\n\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<iframe loading=\"lazy\" title=\"World Report Series Retail Banking 2024 | Le webinaire\" width=\"960\" height=\"540\" src=\"https:\/\/www.youtube.com\/embed\/mFQbmq8UXs8?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\n<\/div><\/figure>\n<\/div><\/div><\/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><div class=\"content-title\"><h2 data-maxlength=\"72\" class=\"expandable-heading-tag\">\u00c0 retenir<\/h2><\/div><p><\/p><\/div><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 opened\"><div class=\"expander-title\" tabindex=\"0\" role=\"button\" aria-pressed=\"true\" aria-expanded=\"true\"><h3 class=\"expander-heading-title\">Point cl\u00e9 1<\/h3><\/div><div class=\"expander-subtitle\"><p class=\"small-description\"><strong>Principales caract\u00e9ristiques du copilote d&#8217;IA g\u00e9n\u00e9rative qui permet de lib\u00e9rer le potentiel inexploit\u00e9 des collaborateurs<\/strong><\/p><\/div><div class=\"expander-content\"><p>L&#8217;IA g\u00e9n\u00e9rative introduit l&#8217;\u00e8re du copilote, am\u00e9liorant l&#8217;efficacit\u00e9 de la main-d&#8217;\u0153uvre en collaborant de mani\u00e8re transparente avec les op\u00e9rateurs humains et en offrant des perspectives, des recommandations et une assistance adapt\u00e9e. Les employ\u00e9s de banque que nous avons interrog\u00e9s ont identifi\u00e9 les \u00e9l\u00e9ments de copilotage essentiels suivants, susceptibles d&#8217;accro\u00eetre leur productivit\u00e9.<\/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\/wrbr24-fig3\"><\/embedded>\r\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>L&#8217;engagement des clients diminue \u00e0 mesure que les agents bancaires se consacrent de plus en plus \u00e0 leurs t\u00e2ches quotidiennes<\/strong><\/p><\/div><div class=\"expander-content\"><p>Seulement 9 % du temps consacr\u00e9 \u00e0 l&#8217;accueil des clients d&#8217;une banque est allou\u00e9 \u00e0 l&#8217;interaction avec les clients, et une grande partie de ce temps consiste \u00e0 r\u00e9pondre \u00e0 des questions li\u00e9es au processus. Les employ\u00e9s des centres de relation client consacrent 82 % de leur temps \u00e0 des t\u00e2ches op\u00e9rationnelles et d&#8217;assistance, au lieu de se concentrer de mani\u00e8re plus productive sur les besoins des clients et sur les ventes.<\/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\/wrbr24-fig4\"><\/embedded>\r\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>La plupart des banques ne sont pas encore pr\u00eates pour les services bancaires intelligents bas\u00e9s sur l&#8217;IA g\u00e9n\u00e9rative<\/strong><\/p><\/div><div class=\"expander-content\"><p>Les banques sont confront\u00e9es \u00e0 plusieurs obstacles dans l&#8217;adoption de l&#8217;IA \u00e0 l&#8217;\u00e9chelle de l&#8217;entreprise en raison de syst\u00e8mes anciens et de processus incompatibles. La plupart des banques ne sont pas pr\u00e9par\u00e9es \u00e0 la banque intelligente pilot\u00e9e par l&#8217;IA g\u00e9n\u00e9rative sur le plan commercial, technologique et des donn\u00e9es.<\/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\/wrbr24-fig6\"><\/embedded>\r\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 sont en retard dans le d\u00e9veloppement d&#8217;indicateurs de performance pour \u00e9valuer la performance de l&#8217;IA g\u00e9n\u00e9rative<\/strong><\/p><\/div><div class=\"expander-content\"><p>L&#8217;\u00e9valuation de l&#8217;impact de l&#8217;IA g\u00e9n\u00e9rative est cruciale pour les banques dans de nombreux aspects de la strat\u00e9gie et de la performance. Comprendre son impact permet d&#8217;\u00e9valuer les syst\u00e8mes d&#8217;IA et de s&#8217;assurer qu&#8217;ils s&#8217;alignent sur les objectifs et les crit\u00e8res de r\u00e9f\u00e9rence de la banque. Malgr\u00e9 son importance, de nombreuses banques sont en retard dans la mise en \u0153uvre d&#8217;indicateurs de performance cl\u00e9s efficaces.<\/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\/wrbr24-fig7\"><\/embedded>\r\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<section class=\"latest-insights layout-even layout-even-all-purple-cards \"><div class=\"container\"><div class=\"insight-title\"><h2 class=\"latest-insight-title\"><\/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-corporate-and-investment-banking-report\/\">\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\/2026\/03\/WCIB-2026_Webpage-Banner_2880x1800px_db1c3a.jpg?w=800&#038;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2026\/03\/WCIB-2026_Webpage-Banner_2880x1800px_db1c3a.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\/2026\/03\/WCIB-2026_Webpage-Banner_2880x1800px_db1c3a.jpg?w=800&#038;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2026\/03\/WCIB-2026_Webpage-Banner_2880x1800px_db1c3a.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\/2026\/03\/WCIB-2026_Webpage-Banner_2880x1800px_db1c3a.jpg?w=800&#038;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2026\/03\/WCIB-2026_Webpage-Banner_2880x1800px_db1c3a.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\/2026\/03\/WCIB-2026_Webpage-Banner_2880x1800px_db1c3a.jpg?w=350&#038;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2026\/03\/WCIB-2026_Webpage-Banner_2880x1800px_db1c3a.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\/2026\/03\/WCIB-2026_Webpage-Banner_2880x1800px_db1c3a.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-corporate-and-investment-banking-report\/\" aria-label=\"World Corporate and Investment Banking Report\" 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 Corporate and Investment Banking Report<\/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-md-6 col-lg-4\">\n                            <a href=\"https:\/\/www.capgemini.com\/fr-fr\/perspectives\/publications\/reinventer-kyc-avec-pkyc\/\" aria-label=\"R\u00e9inventer le KYC avec le\u00a0Perpetual\u00a0KYC\" class=\"card-link-holder\">\n                            <div class=\"insight-card insight-card-start\">\n                                <div class=\"card-tag\">Point de vue<\/div>\n                                <h3 class=\"card-title\">R\u00e9inventer le KYC avec le\u00a0Perpetual\u00a0KYC<\/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                           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srcset=\"https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2026\/01\/Insurance-Webpage-Banner-2880x1800-1.jpg?w=800&#038;quality=70 1x, https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2026\/01\/Insurance-Webpage-Banner-2880x1800-1.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\/2026\/01\/Insurance-Webpage-Banner-2880x1800-1.jpg?w=800&#038;quality=70 1x, https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2026\/01\/Insurance-Webpage-Banner-2880x1800-1.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\/2026\/01\/Insurance-Webpage-Banner-2880x1800-1.jpg?w=350&#038;quality=70 1x, https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2026\/01\/Insurance-Webpage-Banner-2880x1800-1.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\/2026\/01\/Insurance-Webpage-Banner-2880x1800-1.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-2026-banking\/\" aria-label=\"Top trends 2026 \u2013 Banking\" class=\"card-link-holder\">\n                            <div class=\"insight-card insight-card-start\">\n                                <div class=\"card-tag\">Rapport<\/div>\n                                <h3 class=\"card-title\">Top trends 2026 \u2013 Banking<\/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                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BaroData, un outil de mesure et de suivi de la culture data des collaborateurs.<\/p>\n\t\t\t\t\t\t\t\t\t<\/div><!-- End of box-->\n\t\t\t\t\t\t\t\t<\/a><div class=\"slide-info-footer\">\n                                <div class=\"brand-logo-wrapper\"><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/fr-fr\/wp-content\/themes\/capgemini2025\/assets\/images\/Logo_Capgemini_Invent.svg\" alt=\"Capgemini Invent\" class=\"light\"\/><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/fr-fr\/wp-content\/themes\/capgemini2025\/assets\/images\/logo-invent-white.svg\" alt=\"Capgemini Invent\" class=\"dark\"\/><\/div>\n\t\t\t<div class=\"content-more\">\n\t\t\t\t<a class=\"cta-button\" href=\"https:\/\/www.capgemini.com\/fr-fr\/actualites\/cas-clients\/barodata-groupe-bpce\/\" aria-label=\"Read more about Accompagnement au programme d\u2019acculturation \u00e0 la data du groupe BPCE\"><span>Plus 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class=\"cta-btn action-valid\" data-bs-toggle=\"modal\" data-bs-target=\"#CTA946f3a28_0d19_41ad_a1ac_8b3bfe4e2e73\" data-maxlength=\"24\" tabindex=\"0\" href=\"#\"> S&#8217;abonner <\/a><\/div><div class=\"modal cta-frontend-modal-wrapper\" id=\"CTA946f3a28_0d19_41ad_a1ac_8b3bfe4e2e73\"><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\/capgemini2025\/assets\/images\/logo-white.svg\" alt=\"logo\" class=\"dark\"\/><img decoding=\"async\" loading=\"lazy\" src=\"\/wp-content\/themes\/capgemini2025\/assets\/images\/logo.svg\" alt=\"logo\" class=\"light\"\/><\/div><h4 class=\"form-title\">Restez inform\u00e9<\/h4>\t\t<div class=\"mf_forms__container \">\n\t\t\t\t\t\t\t\t<form id=\"mf_form_695834_3475822390\" 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_695834_4298_420782422\" name=\"_mf_695834_4298\" placeholder=\"Pr\u00e9nom\/First Name\" required \/><label for=\"_mf_695834_4298_420782422\" class=\"form-label\">Pr\u00e9nom\/First Name <span class=\"star-required\">*<\/span><\/label><div class=\"invalid-feedback-frm\" role=\"alert\">Pr\u00e9nom\/First Name 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_695834_8084_3386407228\" name=\"_mf_695834_8084\" placeholder=\"Nom\/Last Name\" required \/><label for=\"_mf_695834_8084_3386407228\" class=\"form-label\">Nom\/Last Name <span class=\"star-required\">*<\/span><\/label><div class=\"invalid-feedback-frm\" role=\"alert\">Nom\/Last Name 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_695834_6275_475896528\" name=\"_mf_695834_6275\" placeholder=\"Email\" required \/><label for=\"_mf_695834_6275_475896528\" 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\">\n\t\t<select tabindex=\"0\" class=\"mac-form-selects form-control empty\"\n\t\t\tid=\"_mf_695834_4050_296519354\"\n\t\t\tname=\"_mf_695834_4050\"\n\t\t\trequired\t\t>\n\t\t\t<option value=\"\">S\u00e9lectionner une valeur<\/option>\n\t\t\t\t\t\t\t<option value=\"yes\">Yes<\/option>\n\t\t\t\t\t\t\t<option value=\"no\">No<\/option>\n\t\t\t\t\t<\/select>\n\n\t\t<label for=\"_mf_695834_4050_296519354\" class=\"form-label\">Accepteriez-vous de r\u00e9pondre \u00e0 nos \u00e9tudes ? <span class=\"star-required\">*<\/span><\/label><div class=\"invalid-feedback-frm\" role=\"alert\">Accepteriez-vous de r\u00e9pondre \u00e0 nos \u00e9tudes ? n&#039;est pas valide<\/div><\/div><div class=\"mf-field-wrapper form-floating col-sm-12\">\n\t\t<select tabindex=\"0\" class=\"mac-form-selects form-control empty\"\n\t\t\tid=\"_mf_695834_3170_1547652110\"\n\t\t\tname=\"_mf_695834_3170\"\n\t\t\trequired\t\t>\n\t\t\t<option value=\"\">S\u00e9lectionner une valeur<\/option>\n\t\t\t\t\t\t\t<option value=\"Assistant\/secretary\">Assistant\/secretary<\/option>\n\t\t\t\t\t\t\t<option value=\"CDO\/CMO\">CDO\/CMO<\/option>\n\t\t\t\t\t\t\t<option value=\"CEO\">CEO<\/option>\n\t\t\t\t\t\t\t<option value=\"CFO\">CFO<\/option>\n\t\t\t\t\t\t\t<option value=\"Chairman\/Board of Directors\">Chairman\/Board of Directors<\/option>\n\t\t\t\t\t\t\t<option value=\"CIO\/CTO\">CIO\/CTO<\/option>\n\t\t\t\t\t\t\t<option value=\"Consultant\/Senior Consultant\">Consultant\/Senior Consultant<\/option>\n\t\t\t\t\t\t\t<option value=\"Director\/Principle Consultant\">Director\/Principle Consultant<\/option>\n\t\t\t\t\t\t\t<option value=\"EVP\">EVP<\/option>\n\t\t\t\t\t\t\t<option value=\"Manager\">Manager<\/option>\n\t\t\t\t\t\t\t<option value=\"Operational\">Operational<\/option>\n\t\t\t\t\t\t\t<option value=\"Other CXO\">Other CXO<\/option>\n\t\t\t\t\t\t\t<option value=\"Purchaser\">Purchaser<\/option>\n\t\t\t\t\t\t\t<option value=\"Senior Manager\/Managing Consultant\">Senior Manager\/Managing Consultant<\/option>\n\t\t\t\t\t\t\t<option value=\"SVP\">SVP<\/option>\n\t\t\t\t\t\t\t<option value=\"Vice President\">Vice President<\/option>\n\t\t\t\t\t<\/select>\n\n\t\t<label for=\"_mf_695834_3170_1547652110\" class=\"form-label\">Fonction\/level <span class=\"star-required\">*<\/span><\/label><div class=\"invalid-feedback-frm\" role=\"alert\">Fonction\/level 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_695834_4703_3991436722\" class=\"floating__label form-country-select-label\" data-content=\"Pays\/country\">\n\t\t\t\t<span class=\"floating-label-content\">Pays\/country<\/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_695834_4703_3991436722\" class=\"mf_field__input empty mf-country-selectbox form_country_select\" name=\"_mf_695834_4703\" 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\/country 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 form-floating col-sm-12\"><input type=\"text\" class=\"form-control\" id=\"_mf_695834_6784_2720814327\" name=\"_mf_695834_6784\" placeholder=\"Entreprise\/company\" required \/><label for=\"_mf_695834_6784_2720814327\" class=\"form-label\">Entreprise\/company <span class=\"star-required\">*<\/span><\/label><div class=\"invalid-feedback-frm\" role=\"alert\">Entreprise\/company n&#039;est pas valide<\/div><\/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_695834_2827_1969469084\" class=\"form-check-input\"\n\t\t\t\tname=\"_mf_695834_2827[]\"\n\t\t\t\tvalue=\"1\"\n\t\t\t\trequired\n\t\t\t>\n\n\t\t\t<label for=\"_mf_695834_2827_1969469084\" class=\"form-check-label consent-text\">\n\t\t\t\tEn cochant cette case, je reconnais avoir pris connaissance des Conditions G\u00e9n\u00e9rales d'Utilisation du site ainsi que sa Charte de Donn\u00e9es Personnelles et je les accepte. &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_695834_2726\" class=\"slide-text\">\n\t\t\t\t\t\tSlide to submit\t\t\t\t\t<\/label>\n\t\t\t\t\t<input\n\t\t\t\t\t\tid=\"slider-submit-_mf_695834_2726\"\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_695834_2726\"\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_695834_2726\"\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_695834_2726\" 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. 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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_CONFIG695834 = {\"695834\":{\"errors\":[],\"redirect\":\"\"}};\n\t\t<\/script>\n\t<\/div><\/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\">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\/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-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\"><br>Explorez nos services<\/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\/fr-fr\/wp-content\/uploads\/sites\/6\/2022\/08\/2022-FR-Capgemini_Services_Customer-First_Connected-marketing.jpg?w=500&amp;quality=70\" srcset=\"https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2022\/08\/2022-FR-Capgemini_Services_Customer-First_Connected-marketing.jpg?w=500&amp;quality=70 1x, https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2022\/08\/2022-FR-Capgemini_Services_Customer-First_Connected-marketing.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=\"Marketing connect\u00e9 services financiers\" href=\"https:\/\/www.capgemini.com\/fr-fr\/services\/customer-first\/customer-experience\/marketing-connecte\/\" target=\"_blank\" rel=\"noopener noreferrer\"><h4>Marketing connect\u00e9 services financiers<\/h4><\/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\/12\/Capgemini_Industries_Capital-Markets_Retail-banking-e1638447185800.jpg?w=500&amp;quality=70\" srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2021\/12\/Capgemini_Industries_Capital-Markets_Retail-banking-e1638447185800.jpg?w=500&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2021\/12\/Capgemini_Industries_Capital-Markets_Retail-banking-e1638447185800.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=\"Banque de d\u00e9tail et commerciale\" href=\"https:\/\/www.capgemini.com\/fr-fr\/secteurs\/marches-bancaires-et-financiers\/banque-de-detail-et-commerciale\/\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"Ouvrir dans une nouvelle fen\u00eatre\"><h3 class=\"card-subtitle\">Banque de d\u00e9tail et commerciale<\/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=\"_blank\" 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=\"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\">Consultez la pr\u00e9c\u00e9dente \u00e9dition du World Retail Banking <\/h3><\/div><div class=\"expander-content\"><p><a href=\"https:\/\/www.capgemini.com\/fr-fr\/perspectives\/publications\/world-retail-banking-report-2022\/\" target=\"_blank\" rel=\"noreferrer noopener\">World Retail Banking Report 2022<\/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<\/div><\/div><\/section>\n","protected":false},"excerpt":{"rendered":"<p>Les banques intelligentes font plus avec moins : prenez de l&#8217;avance en mati\u00e8re d&#8217;efficacit\u00e9 gr\u00e2ce \u00e0 des services bancaires personnalis\u00e9s et sans complications<\/p>\n","protected":false},"author":81,"featured_media":744783,"template":"","meta":{"cg_dt_proposed_to":[21,41],"cg_seo_hreflang_relations":"[]","cg_seo_canonical_relation":"","cg_seo_hreflang_x_default_relation":"{\"uuid\":\"1a2e3240-9b02-4bf5-89c8-be1d521c6c1e\",\"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":[199],"research-and-insight-type":[41,80],"theme":[],"brand":[368],"service":[],"industry":[27,732],"partners":[],"content-group":[],"class_list":["post-744782","research-and-insight","type-research-and-insight","status-publish","has-post-thumbnail","hentry","tag-services-financiers","research-and-insight-type-cri-report","research-and-insight-type-rapport","brand-capgemini-research-institute","industry-banques","industry-financial-services"],"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 Retail Banking Report 2024 - Capgemini France<\/title>\n<meta name=\"description\" content=\"Les banques intelligentes font plus avec moins : prenez de l&#039;avance en mati\u00e8re d&#039;efficacit\u00e9 gr\u00e2ce \u00e0 des services bancaires personnalis\u00e9s et sans complications.\" \/>\n<meta name=\"robots\" content=\"index, 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