{"id":766598,"date":"2023-10-25T11:50:00","date_gmt":"2023-10-25T09:50:00","guid":{"rendered":"https:\/\/www.capgemini.com\/fr-fr\/?post_type=research-and-insight&#038;p=766598"},"modified":"2025-03-04T03:49:31","modified_gmt":"2025-03-04T02:49:31","slug":"world-life-insurance-report-2023-2","status":"publish","type":"research-and-insight","link":"https:\/\/www.capgemini.com\/fr-fr\/perspectives\/publications\/world-life-insurance-report-2023\/","title":{"rendered":"World Life Insurance Report 2023"},"content":{"rendered":"\n<header class=\"wp-block-cg-blocks-hero-reusable header heroReusable  \"><div class=\"header-bgs\"><picture><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2022\/09\/WLIR-2023-banner.jpg?w=2880&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2022\/09\/WLIR-2023-banner.jpg?w=2880&amp;quality=70 2x\" media=\"(min-width: 1500px)\"\/><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2022\/09\/WLIR-2023-banner.jpg?w=1440&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2022\/09\/WLIR-2023-banner.jpg?w=2880&amp;quality=70 2x\" media=\"(min-width: 992px)\"\/><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2022\/09\/WLIR-2023-banner.jpg?w=1024&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2022\/09\/WLIR-2023-banner.jpg?w=1024&amp;quality=70 2x\" media=\"(min-width: 768px)\"\/><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2022\/09\/WLIR-2023-banner.jpg?w=768&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2022\/09\/WLIR-2023-banner.jpg?w=768&amp;quality=70 2x\" media=\"(min-width: 0)\"\/><img decoding=\"async\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2022\/09\/WLIR-2023-banner.jpg\" class=\"header-img header-img-d\" alt=\"\" style=\"object-fit:cover;object-position:47% 26%\" loading=\"eager\"\/><\/picture><\/div><div class=\"heroPictureCardHeaderShape\"><\/div><div class=\"container\"><div class=\"row\"><div class=\"col-md-12\"><div class=\"box\"><div class=\"boxTagWrapper\"><div class=\"tagInfo\"><\/div><div class=\"brandInfo\"><div class=\"brandLogo\"><img decoding=\"async\" loading=\"lazy\" src=\"\/wp-content\/themes\/capgemini2020\/assets\/images\/capgemini-research-institute.svg\" alt=\"capgemini-research-institute\"\/><\/div><\/div><\/div><div class=\"box-title\"><h1 data-maxlength=\"34\">World Life Insurance Report 2023<\/h1><\/div><div class=\"inner-row-insight download-btn\"><\/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 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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-l-importance-du-bien-vieillir-comment-la-confiance-et-l-engagement-peuvent-constituer-une-opportunite-de-croissance-pour-les-assureurs-nbsp\">L&#8217;importance du \u00ab\u202fbien vieillir\u202f\u00bb : comment la confiance et l&#8217;engagement peuvent constituer une opportunit\u00e9 de croissance pour les assureurs&nbsp; <\/h3>\n\n\n\n<p>Les personnes \u00e2g\u00e9es de plus de 50 ans repr\u00e9senteront 33 % de la population mondiale d&#8217;ici \u00e0 2050, et cette \u00e9volution d\u00e9mographique offre aux assureurs-vie une opportunit\u00e9 consid\u00e9rable de croissance commerciale.&nbsp;<\/p>\n\n\n\n<p>Les conclusions du World Life Insurance Report 2023, qui refl\u00e8te les points de vue de plus de 200 dirigeants d&#8217;entreprises d&#8217;assurance et de 6 775 consommateurs, r\u00e9v\u00e8lent que pour saisir cette opportunit\u00e9, il faut agir d\u00e8s maintenant :&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Am\u00e9liorer les capacit\u00e9s technologiques et de gestion des donn\u00e9es afin d&#8217;augmenter les offres et d&#8217;offrir une exp\u00e9rience client de qualit\u00e9 optimale.&nbsp;<\/li>\n\n\n\n<li>S&#8217;engager avec des partenaires de l&#8217;\u00e9cosyst\u00e8me pour d\u00e9velopper des solutions d&#8217;assurance vie compl\u00e8tes afin de mieux r\u00e9pondre aux besoins et aux attentes de la population vieillissante.&nbsp;<\/li>\n\n\n\n<li>Renforcer l&#8217;engagement aupr\u00e8s des clients et de leurs b\u00e9n\u00e9ficiaires pour consolider la confiance, accro\u00eetre la pertinence de l&#8217;assurance et prot\u00e9ger les actifs aujourd&#8217;hui et \u00e0 l&#8217;avenir.&nbsp;<\/li>\n<\/ul>\n\n\n\n<div style=\"height:2px\" aria-hidden=\"true\" 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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\tSlide to submit\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=\"Slide to submit\"\/>\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=\"733810\" \/>\n\t\t\t\t<input type=\"hidden\" name=\"form_title\" class=\"mf_form__title\" value=\"world-insurance-report-2023\" \/>\n\t\t\t\t<input type=\"hidden\" name=\"wp_rest_nonce\" class=\"mf_form__wp_rest_nonce\" value=\"0066098e0b\" \/>\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\tMerci pour votre int\u00e9r\u00eat pour le <a href=\"https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2023\/10\/WLIR_2023_web.pdf\">World Insurance Report 2023<\/a>.<\/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_CONFIG733810 = {\"733810\":{\"errors\":[],\"redirect\":\"\"}};\n\t\t<\/script>\n\t<\/div><\/div><\/div><\/div><\/div><\/div><\/section><\/div>\n\n\n\n<p><\/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  \" href=\"https:\/\/www.capgemini.com\/fr-fr\/actualites\/communiques-de-presse\/le-secteur-de-lassurance-vie-nest-pas-pret-pour-la-transmission-de-7-800-milliards-de-dollars-de-patrimoine-a-des-heritiers-dici-a-2040\/\" target=\"\" rel=\"noopener noreferrer\" aria-label=\"Lire le communiqu\u00e9 de presse \">Lire le communiqu\u00e9 de presse <\/a><\/div><\/div><\/section><\/div>\n<\/div><\/div><\/div><\/div><\/div><\/section>\n\n\n\n<div class=\"wp-block-anchor-block-standard\" id=\"Highlights\" data-anchor-padding=\"\" style=\"--data-anchor-padding: 0px\"><\/div>\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\">Les points cl\u00e9s<\/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\"><h4>Point cl\u00e9 1\u00a0<\/h4><\/div><div class=\"expander-subtitle\"><h5>Les assureurs-vie sont sur le point de conna\u00eetre une importante d\u00e9collecte d&#8217;actifs sous gestion d&#8217;ici 2040\u00a0<\/h5><\/div><div class=\"expander-content\"><p>Au centre du plus grand transfert de richesse de l&#8217;histoire, le secteur de l&#8217;assurance-vie est confront\u00e9 \u00e0 une incertitude financi\u00e8re. Actuellement, les assur\u00e9s \u00e2g\u00e9s de 65 ans et plus d\u00e9tiennent 40 % des actifs g\u00e9r\u00e9s par les assureurs, soit un total de 7 800 milliards de dollars pour les 40 plus grands assureurs-vie du monde. D&#8217;ici 2040, ces actifs devraient \u00eatre transf\u00e9r\u00e9s aux b\u00e9n\u00e9ficiaires, dont 71 % aux personnes \u00e2g\u00e9es de 50 ans et plus.\u00a0<\/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\n<embedded report=\"@capgemini\/wlir23-fig2\"><\/embedded>\r\n<script src=\"https:\/\/www.rationalbi.com\/d\/embedded\"><\/script>\n\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\"><h4>Point cl\u00e9 2\u00a0<\/h4><\/div><div class=\"expander-subtitle\"><h5>Que recherchent les clients fortun\u00e9s et ais\u00e9s de plus de 50 ans ?\u00a0<\/h5><\/div><div class=\"expander-content\"><p>Notre rapport indique que leurs priorit\u00e9s avant la retraite sont le maintien du niveau de vie actuel, la planification financi\u00e8re et le financement des loisirs. Apr\u00e8s la retraite, ces priorit\u00e9s persistent, mais le financement des soins de sant\u00e9 prend de l&#8217;importance. Le transfert de patrimoine interg\u00e9n\u00e9rationnel est moins important, ce qui donne aux assureurs l&#8217;occasion de s&#8217;engager efficacement aupr\u00e8s des assur\u00e9s et des b\u00e9n\u00e9ficiaires&#8230;\u00a0<\/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\n<embedded report=\"@capgemini\/wlir23-fig3\"><\/embedded>\r\n<script src=\"https:\/\/www.rationalbi.com\/d\/embedded\"><\/script>\n\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\"><h4>Point cl\u00e9 3\u00a0<\/h4><\/div><div class=\"expander-subtitle\"><h5>Exploiter les services \u00e0 valeur ajout\u00e9e pour r\u00e9pondre aux besoins des clients\u00a0<\/h5><\/div><div class=\"expander-content\"><p>Pour s&#8217;engager aupr\u00e8s des assur\u00e9s et des b\u00e9n\u00e9ficiaires, il est possible d&#8217;offrir des services \u00e0 valeur ajout\u00e9e. En fait, les clients recherchent de plus en plus ces services &#8211; depuis les initiatives de bien-\u00eatre et l&#8217;assistance m\u00e9dicale jusqu&#8217;\u00e0 la planification fiscale et successorale et l&#8217;aide \u00e0 la vie autonome &#8211; pour atteindre leur objectif de bien vieillir. Les assureurs, eux aussi, reconnaissent de plus en plus la n\u00e9cessit\u00e9 de fournir de tels services.\u00a0<\/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\n<embedded report=\"@capgemini\/wlir23-fig4\"><\/embedded>\r\n<script src=\"https:\/\/www.rationalbi.com\/d\/embedded\"><\/script>\n\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\"><h4>Point cl\u00e9 4\u00a0<\/h4><\/div><div class=\"expander-subtitle\"><h5>Les assureurs font \u00e9tat d&#8217;une maturit\u00e9 limit\u00e9e en mati\u00e8re de technologie et de donn\u00e9es\u00a0<\/h5><\/div><div class=\"expander-content\"><p>Pour d\u00e9bloquer un engagement plus profond, le secteur recherche des technologies avanc\u00e9es et des analyses de donn\u00e9es robustes pour d\u00e9velopper des solutions uniques de bien vieillir, rationaliser le parcours d&#8217;achat et transformer l\u2019exp\u00e9rience client de la souscription jusqu\u2019aux\u00a0<s> <\/s>r\u00e9clamations. Pourtant, notre enqu\u00eate r\u00e9v\u00e8le un retard dans la maturit\u00e9 des assureurs en mati\u00e8re de technologie et de donn\u00e9es, ce qui les emp\u00eache de tirer parti du Cloud et de l&#8217;IA pour rationaliser les op\u00e9rations et prendre des d\u00e9cisions fond\u00e9es sur des donn\u00e9es.\u00a0<\/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\n<embedded report=\"@capgemini\/wlir23-fig5\"><\/embedded>\r\n<script src=\"https:\/\/www.rationalbi.com\/d\/embedded\"><\/script>\n\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\">Contenus associ\u00e9s<\/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-life-insurance-report-2026\/\">\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\/2025\/09\/Capcom-Webpage-Banner_2880x1800.jpg?w=800&#038;quality=70 1x, https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2025\/09\/Capcom-Webpage-Banner_2880x1800.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\/2025\/09\/Capcom-Webpage-Banner_2880x1800.jpg?w=800&#038;quality=70 1x, https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2025\/09\/Capcom-Webpage-Banner_2880x1800.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\/2025\/09\/Capcom-Webpage-Banner_2880x1800.jpg?w=800&#038;quality=70 1x, https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2025\/09\/Capcom-Webpage-Banner_2880x1800.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\/2025\/09\/Capcom-Webpage-Banner_2880x1800.jpg?w=350&#038;quality=70 1x, https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2025\/09\/Capcom-Webpage-Banner_2880x1800.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\/2025\/09\/Capcom-Webpage-Banner_2880x1800.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-life-insurance-report-2026\/\" aria-label=\"World Life Insurance Report 2026\" 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 Life Insurance Report 2026<\/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\/rapport-assurance-dommages-world-property-and-casualty-insurance\/\" aria-label=\"Rapport sur l&#039;Assurance dommages - World Property and Casualty Insurance\" 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\">Rapport sur l&#039;Assurance dommages &#8211; World Property and Casualty Insurance<\/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                                    <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>\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\/top-trends-2025-financial-services\/\">\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\/2025\/01\/FS_Capcom-Banner_2880x1800px.jpg?w=800&#038;quality=70 1x, https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2025\/01\/FS_Capcom-Banner_2880x1800px.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\/2025\/01\/FS_Capcom-Banner_2880x1800px.jpg?w=800&#038;quality=70 1x, https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2025\/01\/FS_Capcom-Banner_2880x1800px.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\/2025\/01\/FS_Capcom-Banner_2880x1800px.jpg?w=800&#038;quality=70 1x, https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2025\/01\/FS_Capcom-Banner_2880x1800px.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\/2025\/01\/FS_Capcom-Banner_2880x1800px.jpg?w=350&#038;quality=70 1x, https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2025\/01\/FS_Capcom-Banner_2880x1800px.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\/2025\/01\/FS_Capcom-Banner_2880x1800px.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-assurance-vie-prevoyance\/\" aria-label=\"Top trends 2025 - Assurance-vie et pr\u00e9voyance\" 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; Assurance-vie et pr\u00e9voyance<\/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\/top-trends-2025-financial-services\/\" aria-label=\"Top trends 2025 - Financial services\" 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\">Top trends 2025 &#8211; Financial services<\/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-call-to-action undefined call-to-action-block is-style-cg-secondary-3\"><div class=\"container\"><div class=\"call-to-action-block-content-wrapper has-description\"><div class=\"text-wrapper has-description\"><h3 class=\"title\" data-maxlength=\"144\">Restez inform\u00e9<\/h3><p class=\"description\" data-maxlength=\"210\">Abonnez-vous pour recevoir les derniers World Reports Financiers<br><\/p><\/div><div class=\"button-wrapper has-description\"><a 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\" 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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\n\n\n<section class=\"wp-block-cg-blocks-wrapper-people-slider section section--expert-slider wrapper-people-slider undefined\"><div class=\"container\"><div class=\"content-title\"><h2 data-maxlength=\"34\" class=\"people-heading-title\">Notre expert<\/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\/NewPic-Thierry-Loras-FS-2.jpg\" alt=\"Thierry Loras\"\/>\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\/thierryloras\/\"><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\">Thierry Loras<\/h3>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span>Head of Insurance Practice for Continental 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:\/\/www.linkedin.com\/in\/thierryloras\/\"><i aria-hidden=\"true\" class=\"icon-li\"><\/i><\/a><\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"people-info\">Dipl\u00f4m\u00e9 d\u2019un Mast\u00e8re de strat\u00e9gie et management IT \u00e0 ESCP Europe en 1994, Thierry d\u00e9bute sa carri\u00e8re chez Accenture avant de rejoindre AXA en 2005 o\u00f9 il occupera des postes de Directeur de programme, Directeur des syst\u00e8mes Finance, Risk, Investissement et Achats pour le groupe et DSI de la ligne de m\u00e9tier Vie-\u00e9pargne-pr\u00e9voyance jusqu\u2019en 2018. En 2018, Thierry int\u00e8gre Capgemini FS en tant que Vice President en charge de la Practice Assurance pour la France avant d\u2019\u00e9tendre son p\u00e9rim\u00e8tre sur l\u2019Europe Continentale. Thierry met son exp\u00e9rience de delivery, de management et du monde de l\u2019Assurance au service de la transformation m\u00e9tier, digitale, et data de nos clients du secteur.\u00a0<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div><\/div><\/div><div class=\"slider-nav\"><button class=\"slider-prev inactive\" aria-label=\"Slider-previous\" tabindex=\"-1\"><\/button><ul class=\"slider-paginator\"><\/ul><button class=\"slider-next\" aria-label=\"Slider-next\"><\/button><\/div><\/div><\/section>\n\n\n\n<section class=\"wp-block-cg-blocks-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>Nos offres<\/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\/2023\/09\/Life-insurance-page-web-banner-2880-x-1800.jpg?w=500&amp;quality=70\" srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/09\/Life-insurance-page-web-banner-2880-x-1800.jpg?w=500&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/09\/Life-insurance-page-web-banner-2880-x-1800.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=\"Life, annuities, and benefits\" href=\"\/industries\/insurance\/life-annuities-benefits\/\" target=\"_blank\" rel=\"noopener noreferrer\"><h4>Life, annuities, and benefits<\/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\/2023\/07\/Data-powered-financial-services-Web-Banner.webp?w=500&amp;quality=70\" srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/07\/Data-powered-financial-services-Web-Banner.webp?w=500&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/07\/Data-powered-financial-services-Web-Banner.webp?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=\"Data-powered financial services\" href=\"\/solutions\/data-powered-financial-services\/\" target=\"_blank\" rel=\"noopener noreferrer\"><h4>Data-powered financial services<\/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\/2023\/06\/Financial-Services_Cloud.jpg?w=500&amp;quality=70\" srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/06\/Financial-Services_Cloud.jpg?w=500&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/06\/Financial-Services_Cloud.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=\"Cloud for financial services\" href=\"\/solutions\/cloud-financial-services\/\" target=\"\" rel=\"noopener noreferrer\"><h4>Cloud for financial services<\/h4><\/a><\/div><\/div><\/div>\n<\/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\"><\/div><div class=\"row\"><\/div><\/div><\/section>\n\n\n\n<section class=\"wp-block-cg-blocks-wrapper-card-text-pic wrapperCardTextPic hero-bg-shape\"><div class=\"container\"><div class=\"content-title\"><h2 class=\"card-text-pic-heading\">Notre expertise sectorielle<\/h2><\/div><div class=\"row\"><div class=\"col-md-12\">\n<div class=\"wp-block-cg-blocks-card-text-pic-left\"><div class=\"row card-text-pic leftCard\"><div class=\"col-md-12\"><div class=\"box--section\"><div class=\"box row-nobleed\"><div class=\"col-lg-5 col-md-12 box-img-wrapper \"><a href=\"https:\/\/www.capgemini.com\/fr-fr\/secteurs\/assurance\/\" aria-label=\"Read more about Assurances\" target=\"\" rel=\"noopener noreferrer\" title=\"\"><picture><source srcset=\"https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2023\/10\/2023-FR-Assurance.jpg?w=1000&amp;quality=70 1x, https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2023\/10\/2023-FR-Assurance.jpg?w=1000&amp;quality=70 2x\" media=\"(min-width: 1500px)\"\/><source srcset=\"https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2023\/10\/2023-FR-Assurance.jpg?w=500&amp;quality=70 1x, https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2023\/10\/2023-FR-Assurance.jpg?w=1000&amp;quality=70 2x\" media=\"(min-width: 992px)\"\/><source srcset=\"https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2023\/10\/2023-FR-Assurance.jpg?w=768&amp;quality=70 1x, https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2023\/10\/2023-FR-Assurance.jpg?w=768&amp;quality=70 2x\" media=\"(min-width: 768px)\"\/><source srcset=\"https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2023\/10\/2023-FR-Assurance.jpg?w=556&amp;quality=70 1x, https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2023\/10\/2023-FR-Assurance.jpg?w=556&amp;quality=70 2x\" media=\"(min-width: 0)\"\/><img decoding=\"async\" src=\"https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2023\/10\/2023-FR-Assurance.jpg\" class=\"box-img\" alt=\"\" style=\"object-fit:cover;object-position:86% 64%\" loading=\"lazy\"\/><\/picture><\/a><\/div><div class=\"col-lg-8 col-md-12 box-inner \"><a href=\"https:\/\/www.capgemini.com\/fr-fr\/secteurs\/assurance\/\" aria-label=\"Assurances\" target=\"\" rel=\"noopener noreferrer\" title=\"\"><h4 class=\"titlewithLink\" data-maxlength=\"144\">Assurances<\/h4><\/a><p class=\"box-text\" data-maxlength=\"\">Les compagnies d\u2019assurance doivent aller au-del\u00e0 des risques traditionnels et relever les d\u00e9fis actuels tels que la cybercriminalit\u00e9, le changement climatique ou les pand\u00e9mies. Nous r\u00e9imaginons le secteur global de l\u2019assurance afin de concevoir les mod\u00e8les op\u00e9rationnels du futur.<\/p><div class=\"box-bottom\"><a aria-label=\"En savoir plus about Assurances\" class=\"more2\" data-maxlength=\"24\" href=\"https:\/\/www.capgemini.com\/fr-fr\/secteurs\/assurance\/\" target=\"\" rel=\"noopener noreferrer\" title=\"\">En savoir plus<\/a><\/div><\/div><\/div><\/div><\/div><\/div><\/div>\n<\/div><\/div><\/div><\/section>\n","protected":false},"excerpt":{"rendered":"<p>L&#8217;importance du \u00ab\u202fbien vieillir\u202f\u00bb : comment la confiance et l&#8217;engagement peuvent constituer une opportunit\u00e9 de croissance pour les assureurs.<\/p>\n","protected":false},"author":166,"featured_media":0,"template":"","meta":{"cg_dt_proposed_to":[21,41],"cg_seo_hreflang_relations":"[]","cg_seo_canonical_relation":"{\"uuid\":\"5da2d475-143e-43ad-927c-57cc04352c17\",\"blogId\":\"\",\"domain\":\"\",\"sitePath\":\"\",\"postLink\":\"\",\"postId\":null,\"isSaved\":true,\"isCrossLink\":false,\"hasCrossLink\":false}","cg_seo_hreflang_x_default_relation":"{\"uuid\":\"0fe455d4-fab1-4217-b863-d7eb56357fd1\",\"blogId\":\"\",\"domain\":\"\",\"sitePath\":\"\",\"postLink\":\"\",\"postId\":null,\"isSaved\":true,\"isCrossLink\":false,\"hasCrossLink\":false}","cg_dt_approved_content":true,"cg_dt_mandatory_content":false,"cg_dt_notes":"","cg_dg_source_changed":false,"cg_dt_link_disabled":true,"footnotes":"","related_resource_url":"","related_resource_id":0,"related_resource_size":"","related_resource_type":"","cg_author":0,"_yoast_wpseo_primary_theme":495,"primary_term":"","featured_focal_points":""},"tags":[],"research-and-insight-type":[41,80],"theme":[495],"brand":[368],"service":[49],"industry":[70,732],"partners":[],"content-group":[],"class_list":["post-766598","research-and-insight","type-research-and-insight","status-publish","hentry","research-and-insight-type-cri-report","research-and-insight-type-rapport","theme-ia-data","brand-capgemini-research-institute","service-ia-data","industry-assurance","industry-financial-services"],"yoast_head":"<!-- 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