{"id":772360,"date":"2025-01-13T18:45:09","date_gmt":"2025-01-13T17:45:09","guid":{"rendered":"https:\/\/www.capgemini.com\/fr-fr\/?post_type=research-and-insight&#038;p=772360"},"modified":"2025-12-04T01:53:01","modified_gmt":"2025-12-04T00:53:01","slug":"top-trends-2025-paiements","status":"publish","type":"research-and-insight","link":"https:\/\/www.capgemini.com\/fr-fr\/perspectives\/publications\/top-trends-2025-paiements\/","title":{"rendered":"Top trends 2025 &#8211; Paiements"},"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\/2024\/12\/Payments-Landing-page-banner_2880x1800_05.jpg?w=2880&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/12\/Payments-Landing-page-banner_2880x1800_05.jpg?w=2880&amp;quality=70 2x\" media=\"(min-width: 1500px)\"\/><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/12\/Payments-Landing-page-banner_2880x1800_05.jpg?w=1440&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/12\/Payments-Landing-page-banner_2880x1800_05.jpg?w=2880&amp;quality=70 2x\" media=\"(min-width: 992px)\"\/><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/12\/Payments-Landing-page-banner_2880x1800_05.jpg?w=1024&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/12\/Payments-Landing-page-banner_2880x1800_05.jpg?w=1024&amp;quality=70 2x\" media=\"(min-width: 768px)\"\/><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/12\/Payments-Landing-page-banner_2880x1800_05.jpg?w=768&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/12\/Payments-Landing-page-banner_2880x1800_05.jpg?w=768&amp;quality=70 2x\" media=\"(min-width: 0)\"\/><img decoding=\"async\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/12\/Payments-Landing-page-banner_2880x1800_05.jpg\" class=\"header-img header-img-d\" alt=\"\" style=\"object-fit:cover;object-position:46% 50%\" loading=\"eager\"\/><\/picture><\/div><div class=\"heroPictureCardHeaderShape\"><\/div><div class=\"container\"><div class=\"row\"><div class=\"col-md-12\"><div class=\"box\"><div class=\"boxTagWrapper\"><div class=\"tagInfo\"><div><span class=\"box-tag\">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\">Top trends 2025 &#8211; Paiements<\/h1><\/div><div class=\"inner-row-insight download-btn\"><div class=\"col-md-4 downloadFiles \"><a class=\"button-download--small\" type=\"download\" href=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2025\/01\/Capgemini_Top-Trends-2025_Payments.pdf\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"Ouvrir dans une nouvelle fen\u00eatre\"><span>T\u00e9l\u00e9charger le cahier de tendances<\/span><span class=\"type\">2 MB pdf<\/span><\/a><\/div><div class=\"col-md-4 downloadFiles \"><a class=\"button-download--small\" type=\"download\" href=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/12\/Capgemini_Top-Trends-2025_Infographic_Payments-1.pdf\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"Ouvrir dans une nouvelle fen\u00eatre\"><span>T\u00e9l\u00e9charger l&#8217;infographie<\/span><span class=\"type\">140 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<h2 class=\"wp-block-heading\" id=\"h-transformer-les-defis-en-avantage-concurrentiel-durable\">Transformer les d\u00e9fis en avantage concurrentiel durable<\/h2>\n\n\n\n<p>Notre derni\u00e8re \u00e9tude identifie trois domaines clefs de l&#8217;\u00e9volution des paiements :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Customer first<\/strong> se concentre sur la transformation de l&#8217;exp\u00e9rience client dans un contexte omnicanal et sur la valeur per\u00e7ue des produits et services.<\/li>\n\n\n\n<li><strong>Enterprise management<\/strong> explore la fa\u00e7on dont les organisations peuvent faire \u00e9voluer leurs processus, leurs \u00e9quipes, leurs solutions et leurs op\u00e9rations afin d&#8217;am\u00e9liorer leur agilit\u00e9 et leur efficacit\u00e9 op\u00e9rationnelle tout en optimisant le co\u00fbt de leurs activit\u00e9s.<\/li>\n\n\n\n<li><strong>Intelligent industry<\/strong> couvre la mani\u00e8re dont les organisations tirent parti des solutions modernes pour offrir des exp\u00e9riences digitales de bout en bout qui transforment l&#8217;ensemble de la cha\u00eene de valeur.<\/li>\n<\/ul>\n\n\n\n<p>De nouvelles technologies s\u2019imposent aux banques et fournisseurs de services de paiement&nbsp; qui doivent mieux les exploiter pour rationaliser les op\u00e9rations, stimuler la croissance et innover dans leurs offres de produits et services. Les trois domaines \u00e9tudi\u00e9s couvrent la r\u00e9ponse du secteur des paiements aux d\u00e9fis et opportunit\u00e9s actuels et abordent la fa\u00e7on dont les banques peuvent d\u00e9velopper une approche plus centr\u00e9e sur le client, plus efficace et plus comp\u00e9titive en 2025.<\/p>\n\n\n\n<p>Ce cahier des tendances offre une vue d&#8217;ensemble des dix principales tendances du secteur qui fa\u00e7onneront l&#8217;avenir des paiements et donne un aper\u00e7u de la fa\u00e7on dont les acteurs du secteur peuvent am\u00e9liorer leurs op\u00e9rations, r\u00e9pondre \u00e0 l&#8217;\u00e9volution des attentes des clients et assurer leur r\u00e9silience op\u00e9rationnelle.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-outline is-style-outline--1\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2025\/01\/Capgemini_Top-Trends-2025_Payments.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">T\u00e9l\u00e9charger le cahier de tendances<\/a><\/div>\n<\/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 tendances march\u00e9 en 2025<\/h2><\/div><p>D\u00e9couvrez les principales tendances en mati\u00e8re de paiements et leur influence sur l&#8217;avenir du secteur en termes d&#8217;efficacit\u00e9, d&#8217;innovation et de valeur pour le client.<\/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 \"><div class=\"expander-title\" tabindex=\"0\" role=\"button\" aria-pressed=\"false\" aria-expanded=\"false\"><h3 class=\"expander-heading-title\">Customer first<\/h3><\/div><div class=\"expander-content\"><p><strong>Open finance<\/strong><br>L\u2019arriv\u00e9e de nouvelles r\u00e9glementations incite les banques \u00e0 s\u2019int\u00e9resser \u00e0 l\u2019Open finance et \u00e0 l&#8217;\u00e9change de donn\u00e9es entre les institutions et les fournisseurs tiers. L&#8217;essor de nouveaux cas d&#8217;usages bas\u00e9s sur l\u2019Open finance sera une tendance majeure du secteur des paiements en 2025.<br><strong>Adoption des paiements instantan\u00e9s<\/strong><br>La pr\u00e9f\u00e9rence des consommateurs va d\u00e9sormais aux paiements instantan\u00e9s comme les virements instantan\u00e9s plut\u00f4t qu\u2019aux ch\u00e8ques et cartes de paiement traditionnelles. Cette pr\u00e9f\u00e9rence devrait s&#8217;accentuer en 2025. L&#8217;adoption mondiale des virements instantan\u00e9s va permettre aux banques de r\u00e9duire les co\u00fbts de transaction et de renforcer les relations avec leurs clients professionnels.<br><strong>Innovations dans les points de vente<\/strong><br>La croissance du e\/m commerce pousse les acteurs \u00e0 d\u00e9velopper de nouvelles solutions de paiement en magasin. Des alternatives aux solutions de paiement traditionnelles arrivent avec des co\u00fbts de maintenance r\u00e9duits et une plus grande flexibilit\u00e9, permettant in fine une augmentation des revenus pour les banques.<\/p><div class=\"bg-color video-align-right\"><div class=\"container\"><div class=\"row video-align-left\"><div class=\"col-md-12\"><div class=\"video-align-left row box box--4 box--mini\"><div class=\"col-md-3\"><\/div><div class=\"col-md-8 box-img-wrapper\"><div class=\"video-box\"><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"content-more\"><\/div><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-cg-blocks-card-howwedoit expanders\"><div class=\"box card-regulated-agreements card-howwedoit\"><div class=\"expander-box filter-box tag-active \"><div class=\"expander-title\" tabindex=\"0\" role=\"button\" aria-pressed=\"false\" aria-expanded=\"false\"><h3 class=\"expander-heading-title\">Enterprise management<\/h3><\/div><div class=\"expander-content\"><p><strong>Paiements transfrontaliers<\/strong><br>L&#8217;augmentation des transactions transfrontali\u00e8res favorise le d\u00e9veloppement de nouveaux mod\u00e8les de paiement. Afin de permettre aux entreprises et aux consommateurs d&#8217;effectuer des paiements rapides et efficaces, la mise en place de corridors de paiement instantan\u00e9 et transfrontaliers sera l&#8217;une des tendances majeures en 2025.<br><strong>Plates-formes de paiement composables bas\u00e9es sur le cloud<\/strong><br>Les syst\u00e8mes de paiement existants sont souvent fragment\u00e9s, entra\u00eenant des lenteurs et des proc\u00e9dures de maintenance peu efficaces. Les organisations financi\u00e8res ont de plus en plus tendance \u00e0 se tourner vers des plateformes de paiement composables bas\u00e9es sur le cloud &#8211; des plateformes centralis\u00e9es qui unifient les activit\u00e9s de paiement disparates sur une seule plate-forme.<br><strong>Strat\u00e9gie de paiement multi-rail<\/strong><br>Les paiements multi-rails permettent aux entreprises d&#8217;int\u00e9grer et d&#8217;offrir plusieurs m\u00e9thodes de paiement. En alimentant un \u00e9cosyst\u00e8me de paiement qui tire parti des paiements en temps r\u00e9el, les strat\u00e9gies de paiement multi-rail gagneront en popularit\u00e9 car elles offrent aux banques la possibilit\u00e9 de capturer des donn\u00e9es enrichies, d&#8217;augmenter les opportunit\u00e9s de vente crois\u00e9e et de collaborer avec les op\u00e9rateurs de cartes pour lancer de nouvelles solutions de paiement.<br><strong>R\u00e9silience op\u00e9rationnelle<\/strong><br>Des pannes technologiques mondiales ont eu un impact consid\u00e9rable sur les transactions et les op\u00e9rations en 2024, contraignant les consommateurs \u00e0 retourner \u00e0 l&#8217;argent liquide pour contourner les perturbations de paiement num\u00e9rique. Pour se conformer aux nouvelles r\u00e9glementations et assurer la continuit\u00e9 des paiements num\u00e9riques, les banques doivent donner la priorit\u00e9 \u00e0 la r\u00e9silience op\u00e9rationnelle en renfor\u00e7ant les cadres de gestion des risques, le reporting des incidents et les tests de r\u00e9silience.<\/p><div class=\"bg-color video-align-right\"><div class=\"container\"><div class=\"row video-align-left\"><div class=\"col-md-12\"><div class=\"video-align-left row box box--4 box--mini\"><div class=\"col-md-3\"><\/div><div class=\"col-md-8 box-img-wrapper\"><div class=\"video-box\"><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"content-more\"><\/div><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-cg-blocks-card-howwedoit expanders\"><div class=\"box card-regulated-agreements card-howwedoit\"><div class=\"expander-box filter-box tag-active \"><div class=\"expander-title\" tabindex=\"0\" role=\"button\" aria-pressed=\"false\" aria-expanded=\"false\"><h3 class=\"expander-heading-title\">Intelligent industry<\/h3><\/div><div class=\"expander-content\"><p><strong>Identit\u00e9 d\u00e9centralis\u00e9e<\/strong><br>La fraude \u00e0 l&#8217;identit\u00e9 se d\u00e9veloppe et les banques cherchent des moyens de prot\u00e9ger l\u2019identit\u00e9 des consommateurs. L&#8217;identit\u00e9 d\u00e9centralis\u00e9e (DID) est un cadre \u00e9mergent qui permet aux utilisateurs de stocker et d&#8217;utiliser en toute s\u00e9curit\u00e9 des documents d&#8217;identit\u00e9 gr\u00e2ce \u00e0 des portefeuilles num\u00e9riques (eWallet) ou une technologie de registres distribu\u00e9s (DLT). Afin de renforcer la s\u00e9curit\u00e9 et d&#8217;am\u00e9liorer la confiance, les banques chercheront \u00e0 augmenter l\u2019utilisation de ces solutions.<br><strong>Transformation des flux de remittance<\/strong><br>L&#8217;augmentation des flux de remittance transforme le paysage financier mondial. Les nouvelles r\u00e9glementations vont entra\u00eener une r\u00e9duction des co\u00fbts des transactions et \u00e9liminer les corridors les plus chers dans les ann\u00e9es \u00e0 venir. Cette \u00e9volution va donner l\u2019opportunit\u00e9 aux entreprises de paiement les plus innovantes de d\u00e9velopper de nouvelles offres en s\u2019appuyant sur des partenariats FinTech ou au travers de nouveaux services mobiles.<br><strong>Mon\u00e9tisation des donn\u00e9es<\/strong><br>Les donn\u00e9es de paiement g\u00e9n\u00e8rent de nouvelles sources de revenus pour les banques et la possibilit\u00e9 de d\u00e9velopper des produits plus personnalis\u00e9s. Alors que les r\u00e9glementations d\u2019Open banking permettent aux d\u00e9tenteurs de donn\u00e9es d\u2019en tirer profit, les banques chercheront \u00e0 tirer de nouveaux revenus en mon\u00e9tisant leurs analyses de donn\u00e9es aupr\u00e8s des entreprises.<span style=\"font-size: 1rem; letter-spacing: 0.4px;\"><\/span><\/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\n\n\n<h2 class=\"wp-block-heading\" id=\"h-conclusion\"><strong>Conclusion<\/strong><\/h2>\n\n\n\n<p>L\u2019\u00e9volution des attentes des consommateurs, les avanc\u00e9es technologiques et les changements du paysage des risques fa\u00e7onneront le secteur des paiements en 2025.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>L&#8217;innovation sera centr\u00e9e sur le client avec l\u2019essor des paiements instantan\u00e9s, de la finance ouverte et des nouveaux terminaux de paiement, au profit d\u2019une am\u00e9lioration de l&#8217;exp\u00e9rience client, d\u2019interactions transparentes et de d\u00e9veloppement de services personnalis\u00e9s.<\/li>\n\n\n\n<li>Les leaders donneront la priorit\u00e9 \u00e0 la modernisation des infrastructures de paiement par le biais de strat\u00e9gies de paiement multi-rail, de hubs composables dans le cloud et de corridors instantan\u00e9s &#8211; am\u00e9liorant ainsi l&#8217;efficacit\u00e9 op\u00e9rationnelle, r\u00e9duisant les co\u00fbts et stimulant la croissance.<\/li>\n\n\n\n<li>L&#8217;adoption de technologies \u00e9mergentes permettra l\u2019essor de l\u2019identit\u00e9 d\u00e9centralis\u00e9e et de la mon\u00e9tisation des donn\u00e9es en se concentrant sur la transformation digitale et l&#8217;orientation client. Les banques am\u00e9lioreront l&#8217;exp\u00e9rience client, garantiront la r\u00e9silience op\u00e9rationnelle et stimuleront l&#8217;innovation pour atteindre une croissance durable et un succ\u00e8s p\u00e9renne dans un paysage financier en pleine \u00e9volution.<\/li>\n\n\n\n<li>L&#8217;adoption de ces dix tendances du secteur des paiements permettra aux organisations de renforcer leur avantage concurrentiel et d&#8217;\u00e9merger en tant que leaders du secteur en 2025.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-transformez-votre-activite-de-paiement-grace-a-l-expertise-de-capgemini\">Transformez votre activit\u00e9 de paiement gr\u00e2ce \u00e0 l&#8217;expertise de Capgemini<\/h2>\n\n\n\n<p>Capgemini est le partenaire de confiance des banques qui cherchent \u00e0 tirer parti de la puissance des technologies avanc\u00e9es pour capitaliser sur un march\u00e9 qui \u00e9volue rapidement. Notre offre Connected Payments et notre plateforme Open Banking&nbsp; permettent aux banques d&#8217;am\u00e9liorer leur efficacit\u00e9 et leur flexibilit\u00e9, de d\u00e9velopper de nouveaux mod\u00e8les commerciaux et de construire une strat\u00e9gie qui s&#8217;aligne sur les besoins \u00e0 court et long terme de l&#8217;entreprise. Gr\u00e2ce \u00e0 notre expertise et \u00e0 notre exp\u00e9rience en mati\u00e8re de transformation num\u00e9rique, nous permettons aux banques et aux fournisseurs de solutions de paiement de tirer parti des derni\u00e8res technologies, d&#8217;acc\u00e9der \u00e0 des informations sur les donn\u00e9es et de favoriser la r\u00e9silience op\u00e9rationnelle dans l&#8217;ensemble des unit\u00e9s commerciales o\u00f9 qu\u2019elles se trouvent.<\/p>\n\n\n\n<p>Lib\u00e9rez tout le potentiel de votre entreprise gr\u00e2ce aux capacit\u00e9s de transformation des services financiers de Capgemini, leaders du secteur. Contactez-nous d\u00e8s aujourd&#8217;hui pour d\u00e9couvrir comment nous pouvons vous aider \u00e0 vous positionner dans un paysage financier en pleine \u00e9volution.<\/p>\n\n\n\n<div class=\"wp-block-cg-blocks-autocloud-form undefined autocloudform\"><div class=\"section--autoCloud-form\"><div class=\"wrapperAutoCloudSection\" id=\"linkToForm\"><div class=\"container\"><div class=\"row\"><div class=\"col-md-12 col-lg-6 left-img align-self-center escaper-left\"><\/div><div class=\"col-md-12 \"><div class=\"autoCloudForm\"><h3 class=\"formHelpText\">Contactez-nous<\/h3>\t\t<div class=\"mf_forms__container \">\n\t\t\t\t\t\t\t\t<form id=\"mf_form_772827_3545186598\" 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_729746_5053_368226560\" name=\"_mf_729746_5053\" placeholder=\"Pr\u00e9nom\" required \/><label for=\"_mf_729746_5053_368226560\" 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_729746_9577_3591912909\" name=\"_mf_729746_9577\" placeholder=\"Nom\" required \/><label for=\"_mf_729746_9577_3591912909\" 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_729746_5066_3164030722\" name=\"_mf_729746_5066\" placeholder=\"Email\" required \/><label for=\"_mf_729746_5066_3164030722\" 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_729746_5511_4258399047\" name=\"_mf_729746_5511\" placeholder=\"Entreprise\" required \/><label for=\"_mf_729746_5511_4258399047\" 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_729746_8443_377575126\" name=\"_mf_729746_8443\" placeholder=\"Fonction\" required \/><label for=\"_mf_729746_8443_377575126\" 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><div class=\"mf-field-wrapper form-floating col-sm-12\"><input type=\"text\" class=\"form-control\" id=\"_mf_729746_4975_2922615858\" name=\"_mf_729746_4975\" placeholder=\"Pays\" required \/><label for=\"_mf_729746_4975_2922615858\" class=\"form-label\">Pays <span class=\"star-required\">*<\/span><\/label><div class=\"invalid-feedback-frm\" role=\"alert\">Pays 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_772827_9445_76032293\" name=\"_mf_772827_9445\" placeholder=\"Commentaires\" required \/><label for=\"_mf_772827_9445_76032293\" class=\"form-label\">Commentaires <span class=\"star-required\">*<\/span><\/label><div class=\"invalid-feedback-frm\" role=\"alert\">Commentaires 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_729746_8695_1722326715\" class=\"form-check-input\"\n\t\t\t\tname=\"_mf_729746_8695[]\"\n\t\t\t\tvalue=\"1\"\n\t\t\t\trequired\n\t\t\t>\n\n\t\t\t<label for=\"_mf_729746_8695_1722326715\" class=\"form-check-label consent-text\">\n\t\t\t\tJe consens \u00e0 ce que mes donn\u00e9es soient utilis\u00e9es \u00e0 des fins de marketing et de communication, comme mentionn\u00e9 dans notre Politique li\u00e9e aux donn\u00e9es personnelles : https:\/\/www.capgemini.com\/fr-fr\/charte-de-protection-des-donnees-personnelles\/ &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_729746_1129\" 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_729746_1129\"\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_729746_1129\"\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_729746_1129\"\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_729746_1129\" 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=\"772827\" \/>\n\t\t\t\t<input type=\"hidden\" name=\"form_title\" class=\"mf_form__title\" value=\"top-trends-paiements-2025\" \/>\n\t\t\t\t<input type=\"hidden\" name=\"wp_rest_nonce\" class=\"mf_form__wp_rest_nonce\" value=\"c761b96a25\" \/>\n\n\t\t\t\t<input type=\"hidden\" name=\"mf_form_conditional_logic\" class=\"mf_form__title conditional_logic\" value=\"\" \/>\n\t\t\t\t\n\t\t\t\t<input type=\"hidden\" name=\"mf_form_fields_country_dpo_field\" class=\"mf_form__title conditional_logic mf_form_fields_country_dpo_field\" value=\"_mf_729746_8695\" \/>\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<br><br><br><br><br><br><br><br><h2>Merci ! Nous avons bien re\u00e7u votre formulaire, un expert vous contactera prochainement.<\/h2><br><br><br><br><br><br><br><br><\/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_CONFIG772827 = {\"772827\":{\"errors\":[],\"redirect\":\"\"}};\n\t\t<\/script>\n\t\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div>\n<\/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\">Rencontrez nos experts<\/h2><\/div><\/div><div class=\"slider slider-boxed\"><div class=\"container\"><div class=\"slider-window\"><div class=\"slider-list\">\t\t<div class=\"slide\">\n\t\t\t<div class=\"box\">\n\t\t\t\t<div class=\"row\">\n\t\t\t\t\t<div class=\"col-md-6 col-lg-4 box-img-wrapper\">\n\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2022\/04\/Christophe-Vergne-PC.jpg\" alt=\"Christophe Vergne\"\/>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"col-md-6 col-lg-8 box-inner\">\n\t\t\t\t\t\t<div class=\"row title-social-media-header\">\n\t\t\t\t\t\t\t<div class=\"col-md-12 col-lg-6 mbl-social-icon\">\n\t\t\t\t\t\t\t\t<ul class=\"social-nav\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li><a aria-label=\"Linkedin\" target=\"_blank\" title=\"Ouvrir dans une nouvelle fen\u00eatre\" href=\"https:\/\/fr.linkedin.com\/in\/vergnechristophe\"><i aria-hidden=\"true\" class=\"icon-li\"><\/i><\/a><\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"col-md-12 col-lg-6 box-container\">\n\t\t\t\t\t\t\t\t<div class=\"box-title\">\n\t\t\t\t\t\t\t\t\t<h3 class=\"people-profile-title\">Christophe Vergne<\/h3>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span>Cards and Payments SME (Europe), Capgemini<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"col-md-12 col-lg-6 social-box-container dkt-social-icon\">\n\t\t\t\t\t\t\t\t<ul class=\"social-nav\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li><a aria-label=\"Linkedin\" target=\"_blank\" title=\"Ouvrir dans une nouvelle fen\u00eatre\" href=\"https:\/\/fr.linkedin.com\/in\/vergnechristophe\"><i aria-hidden=\"true\" class=\"icon-li\"><\/i><\/a><\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"people-info\">Fort d&#8217;une solide exp\u00e9rience dans la banque, Christophe Vergne a jou\u00e9 un r\u00f4le essentiel dans la construction de la practice paiements globale de Capgemini, permettant aux grandes institutions de transformer et de consolider leur leadership sur tous les segments et services du march\u00e9. Au cours des dix derni\u00e8res ann\u00e9es, Christophe a \u00e9t\u00e9 le co-auteur du World Payments Report, contribuant \u00e0 en faire la publication de r\u00e9f\u00e9rence sur la transformation des paiements. Il est un expert, un conf\u00e9rencier, un blogueur et un conseiller pour les CXO du secteur payments.<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\n\n\t\t<div class=\"slide\">\n\t\t\t<div class=\"box\">\n\t\t\t\t<div class=\"row\">\n\t\t\t\t\t<div class=\"col-md-6 col-lg-4 box-img-wrapper\">\n\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2025\/06\/PC-Yann-Leclerc.png\" alt=\"Yann Leclerc\"\/>\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\/yanleclerc\/\"><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\">Yann Leclerc<\/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>Centre d&#039;Excellence Paiement, 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\/yanleclerc\/\"><i aria-hidden=\"true\" class=\"icon-li\"><\/i><\/a><\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"people-info\">Dipl\u00f4m\u00e9 de l\u2019INSA en 1995, Yann est un leader exp\u00e9riment\u00e9 dans l\u2019industrie des paiements passionn\u00e9 par l\u2019innovation, la transformation digitale et l\u2019interop\u00e9rabilit\u00e9.\n\nEn 2022, Yann rejoint Capgemini en tant que directeur du centre d\u2019expertise paiements pour la France. Il est le porteur des offres ISO20022, acquisition et \u00e9mission Cartes, Banking As A Service et Central Digital Bank Currency.<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\n\n\t\t<div class=\"slide\">\n\t\t\t<div class=\"box\">\n\t\t\t\t<div class=\"row\">\n\t\t\t\t\t<div class=\"col-md-6 col-lg-4 box-img-wrapper\">\n\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2022\/04\/elias-ghanem_new-1.jpg\" alt=\"Elias Ghanem\"\/>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"col-md-6 col-lg-8 box-inner\">\n\t\t\t\t\t\t<div class=\"row title-social-media-header\">\n\t\t\t\t\t\t\t<div class=\"col-md-12 col-lg-6 mbl-social-icon\">\n\t\t\t\t\t\t\t\t<ul class=\"social-nav\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li><a aria-label=\"Linkedin\" target=\"_blank\" title=\"Ouvrir dans une nouvelle fen\u00eatre\" href=\"https:\/\/www.linkedin.com\/in\/eliasghanemfintech\/\"><i aria-hidden=\"true\" class=\"icon-li\"><\/i><\/a><\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"col-md-12 col-lg-6 box-container\">\n\t\t\t\t\t\t\t\t<div class=\"box-title\">\n\t\t\t\t\t\t\t\t\t<h3 class=\"people-profile-title\">Elias Ghanem<\/h3>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span>Global Head of Capgemini Research Institute for Financial Services, Capgemini<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"col-md-12 col-lg-6 social-box-container dkt-social-icon\">\n\t\t\t\t\t\t\t\t<ul class=\"social-nav\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li><a aria-label=\"Linkedin\" target=\"_blank\" title=\"Ouvrir dans une nouvelle fen\u00eatre\" href=\"https:\/\/www.linkedin.com\/in\/eliasghanemfintech\/\"><i aria-hidden=\"true\" class=\"icon-li\"><\/i><\/a><\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"people-info\">Elias\u00a0est le\u00a0Directeur mondial du Capgemini Research Institute pour le secteur financier. Il est responsable des publications, positionnement et prise de parole du groupe quant \u00e0 l\u2019\u00e9volution du secteur financier. Elias est un\u00a0expert en paiements, avec plus de 20 ans d&#8217;exp\u00e9rience chez\u00a0VISA,\u00a0PayPal\u00a0et\u00a0Telr, une PayTech qu\u2019il a co-fond\u00e9e en 2013. Il est un expert, un conf\u00e9rencier, un blogueur et un conseiller pour les CXO de la banque priv\u00e9e, banque de d\u00e9tail et de paiements.<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div><\/div><\/div><div class=\"slider-nav\"><button class=\"slider-prev inactive\" aria-label=\"Curseur pr\u00e9c\u00e9dent\" tabindex=\"-1\"><\/button><ul class=\"slider-paginator\"><\/ul><button class=\"slider-next\" aria-label=\"Curseur suivant\"><\/button><\/div><\/div><\/section>\n\n\n\n\t\t<section\n\t\t\tclass=\"section section--lifeatcap-learning section--event-slider-careerInvent \">\n\n\t\t\t<div class=\"container\">\n\t\t\t\t<div class='career-invent-header'>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"slider slider-fader f021b2f8-8170-4220-92d8-67d10cb4cefa\">\n\t\t\t\t\t\t\t\t<div\n\t\t\t\t\tclass=\"slider-list \">\n\t\t\t\t\t\t\t\t\t\t\t<div\n\t\t\t\t\t\t\tclass=\"slide active \">\n\t\t\t\t\t\t\t<div\n\t\t\t\t\t\t\t\tclass=\"slide-bg-wrapper wp-block-cg-blocks-career-invent is-style-sapphire1\">\n\t\t\t\t\t\t\t\t<div class=\"bgImagesection\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"bgColor\"><\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"container slide-info-wrapper\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"row\">\n\t\t\t\t\t\t\t\t\t\t\t<div\n\t\t\t\t\t\t\t\t\t\t\t\tclass=\"col-md-6 col-sm-12 box-inner \">\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<div class=\"bgColor\"><\/div>\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<div\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tclass=\"content-title \">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"explore-header\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tdata-maxlength=\"68\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\ttitle=\"Top trends 2025 - Banking\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tTop trends 2025 &#8211; Banking\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\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<div\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tclass=\"box-title \">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h4 data-maxlength=\"144\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\ttitle=\"Explorez notre s\u00e9rie de cahier de tendances pour comprendre les \u00e9volutions du secteur bancaire.\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tstyle=\"white-space: pre-wrap;\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tExplorez notre s\u00e9rie de cahier de tendances pour comprendre les \u00e9volutions du secteur bancaire.\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/h4>\n\t\t\t\t\t\t\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\t\t\t\t\t\t\t\t\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<div >\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<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\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<div class=\"btnDiv\"> <a class=\"more2\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tdata-maxlength=\"24\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\taria-label=\"En savoir plus A propos Top trends 2025 - Banking\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\ttitle=\"Opens in new window\" tabindex=\"0\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\thref=\"https:\/\/www.capgemini.com\/fr-fr\/perspectives\/publications\/top-trends-banking-2025\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\ttarget=\"_blank\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tEn savoir plus\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/a> <\/div>\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\n\n\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"col-md-6 col-sm-12 text-right box-img-wrapper escaper escaper-right\">\n\t\t\t\t\t\t\t\t\t\t\t\t\n\n\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<source\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tsrcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/12\/Banking_Capcom-Banner_2880x1800px.jpg?w=1200&amp;quality=90 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/12\/Banking_Capcom-Banner_2880x1800px.jpg?w=1200&amp;quality=90 2x\"\n\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<source\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tsrcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/12\/Banking_Capcom-Banner_2880x1800px.jpg?w=600&amp;quality=90 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/12\/Banking_Capcom-Banner_2880x1800px.jpg?w=1200&amp;quality=90 2x\"\n\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<source\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tsrcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/12\/Banking_Capcom-Banner_2880x1800px.jpg?w=400&amp;quality=90 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/12\/Banking_Capcom-Banner_2880x1800px.jpg?w=800&amp;quality=90 2x\"\n\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<source\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tsrcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/12\/Banking_Capcom-Banner_2880x1800px.jpg?w=400&amp;quality=90 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/12\/Banking_Capcom-Banner_2880x1800px.jpg?w=800&amp;quality=90 2x\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 0)\" \/>\n\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" class=\"box-img\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tsrc=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/12\/Banking_Capcom-Banner_2880x1800px.jpg\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tstyle=\"object-position: 50% 50%; object-fit: cover;\" alt=\"\" \/>\n\n\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<!-- <img decoding=\"async\" class=\"box-img\" src=\"\"\n\t\t\t\t\t\t\t\t\t\t\tstyle=\"\" alt=\"\"\n\t\t\t\t\t\t\t\t\t\t\/> -->\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"\">\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"slide-reveal\"><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\n\t\t\t\t<\/div>\n\n\t\t\t\t\n\t\t\t<\/div>\n\n\t\t<\/section>\n\n\t\t\n\n\n<section class=\"wp-block-cg-blocks-call-to-action undefined is-style-cg-secondary-3 call-to-action-block\"><div class=\"container\"><div class=\"call-to-action-block-content-wrapper no-description\"><div class=\"text-wrapper no-description\"><h3 class=\"title\" data-maxlength=\"144\">Recevez les World Reports d\u00e8s leur sortie<\/h3> <\/div><div class=\"button-wrapper no-description\"><a class=\"cta-btn action-valid\" data-bs-toggle=\"modal\" data-bs-target=\"#CTA26bbcb60_77eb_4255_ba0c_51ac02e069de\" data-maxlength=\"24\" tabindex=\"0\" href=\"#\"> Abonnez-vous <\/a><\/div><div class=\"modal cta-frontend-modal-wrapper\" id=\"CTA26bbcb60_77eb_4255_ba0c_51ac02e069de\"><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\/capgemini-research-institute-white.svg\" alt=\"capgemini-research-institute\" 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checkbox-controls\">\n\n\t\t\t<input type=\"checkbox\" id=\"_mf_722015_4385_2926637859\" class=\"form-check-input\"\n\t\t\t\tname=\"_mf_722015_4385[]\"\n\t\t\t\tvalue=\"1\"\n\t\t\t\trequired\n\t\t\t>\n\n\t\t\t<label for=\"_mf_722015_4385_2926637859\" class=\"form-check-label consent-text\">\n\t\t\t\tJe consens \u00e0 ce que mes donn\u00e9es soient utilis\u00e9es \u00e0 des fins de marketing et de communication, comme mentionn\u00e9 dans notre Politique li\u00e9e aux donn\u00e9es personnelles. &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_722015_4368\" 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_722015_4368\"\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_722015_4368\"\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_722015_4368\"\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_722015_4368\" 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\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=\"722015\" \/>\n\t\t\t\t<input type=\"hidden\" name=\"form_title\" class=\"mf_form__title\" value=\"fs-world-reports\" \/>\n\t\t\t\t<input type=\"hidden\" name=\"wp_rest_nonce\" class=\"mf_form__wp_rest_nonce\" value=\"c761b96a25\" \/>\n\n\t\t\t\t<input type=\"hidden\" name=\"mf_form_conditional_logic\" class=\"mf_form__title conditional_logic\" value=\"\" \/>\n\t\t\t\t\n\t\t\t\t<input type=\"hidden\" name=\"mf_form_fields_country_dpo_field\" class=\"mf_form__title conditional_logic mf_form_fields_country_dpo_field\" value=\"\" \/>\n\n\t\t\t\t<!-- Anti-spam field -->\n\t\t\t\t<input type=\"text\" \n\t\t\t\t\tname=\"website_url\" \n\t\t\t\t\tclass=\"mf_field__url\" \n\t\t\t\t\tautocomplete=\"off\"\n\t\t\t\t\ttabindex=\"-1\"\n\t\t\t\t\taria-hidden=\"true\"\n\t\t\t\t\tstyle=\"position:absolute;left:-9999px;width:1px;height:1px;opacity:0;pointer-events:none;\" \n\t\t\t\t\/>\n\t\t\t<\/form>\n\n\t\t\t<div class=\"mf_form__success\" tabindex=\"0\" role=\"alert\">\n\t\t\t\tBonjour, merci de l'int\u00e9r\u00eat que vous portez \u00e0 nos World Reports. Nous avons bien pris en compte votre abonnement.<\/p>\n\t\t\t<\/div>\n\t\t\t<div class=\"mf_form__errors\">\n\t\t\t\t<p>D\u00e9sol\u00e9, la soumission du formulaire a \u00e9chou\u00e9. Merci de r\u00e9essayer.<\/p>\n\t\t\t<\/div>\n\t\t\t\t<\/div>\n\n\t\t<script>\n\t\t\twindow.MF_CONFIG722015 = {\"722015\":{\"errors\":[],\"redirect\":\"\"}};\n\t\t<\/script>\n\t<\/div><\/div><\/div><\/div><\/div><\/div><\/section>\n","protected":false},"excerpt":{"rendered":"<p>Le march\u00e9 des paiements se d\u00e9veloppent rapidement laissant appara\u00eetre de nouvelles tendances. Notre dernier rapport identifie trois th\u00e8mes principaux qui d\u00e9termineront l&#8217;\u00e9volution du secteur.<\/p>\n","protected":false},"author":440,"featured_media":772361,"template":"","meta":{"cg_dt_proposed_to":[21,46,41],"cg_seo_hreflang_relations":"[]","cg_seo_canonical_relation":"","cg_seo_hreflang_x_default_relation":"{\"uuid\":\"d0eeebca-b853-4c70-a6a7-1cd103f52093\",\"blogId\":\"\",\"domain\":\"\",\"sitePath\":\"\",\"postLink\":\"\",\"postId\":null,\"isSaved\":true,\"isCrossLink\":false,\"hasCrossLink\":false}","cg_dt_approved_content":true,"cg_dt_mandatory_content":false,"cg_dt_notes":"","cg_dg_source_changed":true,"cg_dt_link_disabled":true,"footnotes":"","related_resource_url":"","related_resource_id":0,"related_resource_size":"","related_resource_type":"","cg_author":0,"_yoast_wpseo_primary_theme":59,"primary_term":"Services Financiers","featured_focal_points":""},"tags":[],"research-and-insight-type":[41,80],"theme":[59],"brand":[368],"service":[],"industry":[27],"partners":[],"content-group":[],"class_list":["post-772360","research-and-insight","type-research-and-insight","status-publish","has-post-thumbnail","hentry","research-and-insight-type-cri-report","research-and-insight-type-rapport","theme-services-financiers","brand-capgemini-research-institute","industry-banques"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v22.8 (Yoast SEO v22.8) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Top trends 2025 - Paiements - Capgemini France<\/title>\n<meta name=\"description\" content=\"Le march\u00e9 des paiements se d\u00e9veloppent rapidement laissant appara\u00eetre de nouvelles tendances. 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