{"id":772389,"date":"2025-01-13T18:44:08","date_gmt":"2025-01-13T17:44:08","guid":{"rendered":"https:\/\/www.capgemini.com\/fr-fr\/?post_type=research-and-insight&#038;p=772389"},"modified":"2025-12-04T01:53:28","modified_gmt":"2025-12-04T00:53:28","slug":"top-trends-2025-banque-de-detail","status":"publish","type":"research-and-insight","link":"https:\/\/www.capgemini.com\/fr-fr\/perspectives\/publications\/top-trends-2025-banque-de-detail\/","title":{"rendered":"Top trends 2025 &#8211; Banque de d\u00e9tail"},"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\/Retail-Banking-Landing-page-banner_2880x1800_07.jpg?w=2880&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/12\/Retail-Banking-Landing-page-banner_2880x1800_07.jpg?w=2880&amp;quality=70 2x\" media=\"(min-width: 1500px)\"\/><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/12\/Retail-Banking-Landing-page-banner_2880x1800_07.jpg?w=1440&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/12\/Retail-Banking-Landing-page-banner_2880x1800_07.jpg?w=2880&amp;quality=70 2x\" media=\"(min-width: 992px)\"\/><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/12\/Retail-Banking-Landing-page-banner_2880x1800_07.jpg?w=1024&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/12\/Retail-Banking-Landing-page-banner_2880x1800_07.jpg?w=1024&amp;quality=70 2x\" media=\"(min-width: 768px)\"\/><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/12\/Retail-Banking-Landing-page-banner_2880x1800_07.jpg?w=768&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/12\/Retail-Banking-Landing-page-banner_2880x1800_07.jpg?w=768&amp;quality=70 2x\" media=\"(min-width: 0)\"\/><img decoding=\"async\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/12\/Retail-Banking-Landing-page-banner_2880x1800_07.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; Banque de d\u00e9tail<\/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_Retail-Banking-1.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_Retail-Banking-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\">138 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-du-secteur-en-avantage-concurrentiel-durable\">Transformer les d\u00e9fis du secteur en avantage concurrentiel durable<\/h2>\n\n\n\n<p>\u00c0 l&#8217;aube de 2025, de nouvelles tendances red\u00e9finissent le paysage de la banque de d\u00e9tail. Le dernier cahier des tendances de Capgemini identifie trois domaines fondamentaux qui fa\u00e7onneront l&#8217;avenir de la banque de d\u00e9tail.<\/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 une offre de produits et services adapt\u00e9e aux diff\u00e9rents canaux.<\/li>\n\n\n\n<li><strong>Enterprise management<\/strong> d\u00e9taille la fa\u00e7on dont les banques peuvent rationaliser les processus, accro\u00eetre l&#8217;agilit\u00e9 et r\u00e9duire les co\u00fbts op\u00e9rationnels gr\u00e2ce \u00e0 la technologie.<\/li>\n\n\n\n<li><strong>Intelligent industry<\/strong> couvre l&#8217;int\u00e9gration de solutions innovantes pour cr\u00e9er des exp\u00e9riences digitales de bout en bout qui transforment l&#8217;ensemble de la cha\u00eene de valeur des services financiers.<\/li>\n<\/ul>\n\n\n\n<p>Ces domaines illustrent la fa\u00e7on dont le secteur de la banque de d\u00e9tail s\u2019adapte aux d\u00e9fis et opportunit\u00e9s d\u2019aujourd\u2019hui et positionnent les banques dans la perspective d\u2019un futur orient\u00e9 client, plus efficace et innovant. Notre cahier des tendances offre une vue d&#8217;ensemble des principales tendances de la banque de d\u00e9tail pour l&#8217;ann\u00e9e \u00e0 venir et au-del\u00e0, et offre des perspectives sur la fa\u00e7on dont les banques peuvent rester comp\u00e9titives, stimuler la croissance et r\u00e9pondre aux demandes croissantes des clients.<\/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_Retail-Banking-1.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">T\u00e9l\u00e9charger le cachier 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 comment les derni\u00e8res tendances de la banque de d\u00e9tail transforment le secteur et \u00e9tablissent de nouvelles normes en mati\u00e8re d&#8217;efficacit\u00e9, d&#8217;innovation et de valeur ajout\u00e9e 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>Exp\u00e9rience omnicanale<\/strong><br>Le parcours client est en g\u00e9n\u00e9ral peu lin\u00e9aire, avec des interactions \u00e0 la fois digitales et physiques. Malheureusement, les canaux restent souvent trop cloisonn\u00e9s et peuvent g\u00eaner la fluidit\u00e9 de l&#8217;exp\u00e9rience. En 2025, l&#8217;une des principales tendances du secteur de la banque de d\u00e9tail sera une acc\u00e9l\u00e9ration des investissements dans une v\u00e9ritable omnicanalit\u00e9 de bout en bout, pour am\u00e9liorer l&#8217;exp\u00e9rience client et favoriser la fid\u00e9lisation.<br><strong>Culture financi\u00e8re<\/strong><br>Avec la g\u00e9n\u00e9ralisation des plateformes num\u00e9riques, les consommateurs sont souvent amen\u00e9s \u00e0 faire des choix et \u00e0 prendre des d\u00e9cisions financi\u00e8res en autonomie. Les banques doivent r\u00e9pondre au besoin d&#8217;\u00e9ducation financi\u00e8re de leurs clients. En aidant les clients \u00e0 am\u00e9liorer leurs connaissances financi\u00e8res, en particulier sur les canaux digitaux, \u00e0 travers des modules courts, ludiques et propos\u00e9s aux moments les plus pertinents, les banques de d\u00e9tail d\u00e9velopperont de nouvelles opportunit\u00e9s commerciales et am\u00e9lioreront la fid\u00e9lit\u00e9 et la confiance.<br><strong>La banque nouvelle g\u00e9n\u00e9ration<\/strong><br>Dans l&#8217;optique d&#8217;une croissance s\u00fbre et \u00e0 long terme de leur client\u00e8le, les banques cherchent \u00e0 rajeunir leur client\u00e8le. Pour s\u00e9duire la nouvelle g\u00e9n\u00e9ration, les banques doivent \u00e9laborer des strat\u00e9gies d\u00e9di\u00e9es aux jeunes et d\u00e9velopper des outils bancaires et \u00e9ducatifs digitaux qui r\u00e9pondent aux attentes de cette client\u00e8le.<\/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>R\u00e9silience op\u00e9rationnelle<\/strong><br>La loi sur la r\u00e9silience op\u00e9rationnelle num\u00e9rique (DORA) pousse les banques et les fournisseurs tiers critiques \u00e0 mettre en \u0153uvre des mesures de s\u00e9curit\u00e9 robustes. Les banques de d\u00e9tail \u00e9viteront les atteintes \u00e0 leur r\u00e9putation et les sanctions r\u00e9glementaires r\u00e9sultant de la non-conformit\u00e9 en donnant la priorit\u00e9 \u00e0 la s\u00e9curisation de leurs activit\u00e9s, \u00e0 la lutte contre la fraude et, ainsi, au renforcement de leur r\u00f4le de tiers de confiance.<br><strong>RegTech pour la conformit\u00e9<\/strong><br>Les banques de d\u00e9tail sont confront\u00e9es \u00e0 des risques croissants, des co\u00fbts et des d\u00e9lais de mise en conformit\u00e9 en hausse. Les institutions financi\u00e8res consacreront plus de temps \u00e0 la conformit\u00e9 en 2025. Pour cela, les banques augmenteront leurs investissements dans les solutions RegTech qui automatisent la conformit\u00e9 et le reporting r\u00e9glementaire \u2013 renfor\u00e7ant ainsi leur avantage concurrentiel avec des cadres de r\u00e9silience am\u00e9lior\u00e9s.<br><strong>Croissance des d\u00e9p\u00f4ts<\/strong><br>Le co\u00fbt \u00e9lev\u00e9 du capital et la baisse des volumes de d\u00e9p\u00f4ts sont deux principales pr\u00e9occupations des dirigeants des banques de d\u00e9tail \u00e0 l&#8217;aube de 2025. Les banques de d\u00e9tail feront face en se concentrant sur l&#8217;acquisition et la r\u00e9duction des co\u00fbts gr\u00e2ce \u00e0 des offres de produits group\u00e9s et un meilleur ciblage des segments de client\u00e8le ad\u00e9quats.<br><strong>Efficacit\u00e9 de l&#8217;entr\u00e9e en relation<\/strong><br>Les d\u00e9lais n\u00e9cessaires pour une entr\u00e9e en relation frustrent bien souvent les clients des banques de d\u00e9tail, alors que les banques en ligne sont souvent capables de proposer une exp\u00e9rience fluide et tr\u00e8s rapide. L&#8217;une des tendances actuelles dans la banque de d\u00e9tail est l&#8217;adoption d&#8217;outils d&#8217;identit\u00e9 num\u00e9rique qui augmentent l&#8217;efficacit\u00e9 et am\u00e9liorent la pr\u00e9cision du processus d&#8217;onboarding des clients.<\/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>L&#8217;IA pour gagner en efficacit\u00e9<\/strong><br>Le r\u00f4le de l&#8217;IA dans la banque de d\u00e9tail a \u00e9volu\u00e9 avec l\u2019av\u00e8nement des possibilit\u00e9s offertes par l\u2019IA g\u00e9n\u00e9rative. En 2025, la technologie apportera de nouvelles fonctionnalit\u00e9s avec l\u2019arriv\u00e9e d\u2019agents pour la personnalisation des services et une automatisation des op\u00e9rations &#8211; introduisant de nouveaux niveaux de productivit\u00e9 et d&#8217;efficacit\u00e9.<br><strong>Strat\u00e9gie des produits ESG<\/strong><br>La pression accrue des investisseurs et les changements r\u00e9glementaires obligent les banques de d\u00e9tail \u00e0 am\u00e9liorer leurs efforts en mati\u00e8re d&#8217;ESG, une tendance qui se poursuivra en 2025. La mise en \u0153uvre proactive d\u2019offresESG (bancaires ou extra-bancaires) renforcera la r\u00e9putation des banques et favorisera des relations plus profondes et plus fiables avec les clients.<br><strong>Tirer parti de l&#8217;Open finance<\/strong><br>Les nouvelles r\u00e9glementations en mati\u00e8re d\u2019Open finance donnent la possibilit\u00e9 aux banques de d\u00e9tail de d\u00e9velopper une vision \u00e0 360\u00b0 de leurs clients. Avec la g\u00e9n\u00e9ralisation de l&#8217;acc\u00e8s en temps r\u00e9el \u00e0 des donn\u00e9es financi\u00e8res compl\u00e8tes, les banques auront la possibilit\u00e9 d&#8217;int\u00e9grer de mani\u00e8re transparente les informations relatives aux clients dans une plateforme unique, ce qui am\u00e9liorera l\u2019exp\u00e9rience client, apportera de nouvelles opportunit\u00e9s commerciales et facilitera l\u2019analyse des demandes de pr\u00eats.<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&#8217;\u00e9volution des attentes des clients, des capacit\u00e9s technologiques et des risques aura un impact consid\u00e9rable sur le secteur de la banque de d\u00e9tail en 2025.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Au c\u0153ur de cette \u00e9volution, l&#8217;innovation sera centr\u00e9e sur le client, au service d\u2019une nouvelle exp\u00e9rience client et collaborateur, avec des services bancaires am\u00e9lior\u00e9s et sp\u00e9cifiquement pens\u00e9s pour attirer la nouvelle g\u00e9n\u00e9ration.<\/li>\n\n\n\n<li>L&#8217;efficacit\u00e9 op\u00e9rationnelle sera \u00e9galement une priorit\u00e9 majeure des comit\u00e9s de direction pour les banques en 2025, les organisations cherchant \u00e0 tirer parti de solutions technologiques modernes pour renforcer la r\u00e9silience op\u00e9rationnelle et automatiser les proc\u00e9dures de conformit\u00e9.<\/li>\n\n\n\n<li>Alors que l&#8217;IA et la finance ouverte se g\u00e9n\u00e9ralisent dans la banque de d\u00e9tail, les entreprises chercheront \u00e9galement \u00e0 renforcer leur avantage concurrentiel gr\u00e2ce \u00e0 des prises de d\u00e9cision bas\u00e9es sur les donn\u00e9es et \u00e0 des offres de produits ESG innovants.<\/li>\n<\/ul>\n\n\n\n<p>La prise en compte de ces tendances est cl\u00e9 pour les acteurs de la banque de d\u00e9tail. En leur accordant la priorit\u00e9, ces acteurs am\u00e9lioreront la valeur client, d\u00e9bloqueront de nouvelles opportunit\u00e9s, pr\u00e9pareront l&#8217;avenir de leur organisation et \u00e9mergeront de 2025 en tant que leaders du secteur.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-transformez-votre-banque-grace-a-l-expertise-de-capgemini\">Transformez votre banque gr\u00e2ce \u00e0 l&#8217;expertise de Capgemini<\/h2>\n\n\n\n<p>Capgemini est le partenaire de confiance pour les banques de d\u00e9tail qui cherchent \u00e0 tirer parti de technologies avanc\u00e9es pour rester comp\u00e9titives sur un march\u00e9 en pleine transformation. Notre expertise compl\u00e8te en mati\u00e8re d&#8217;IA g\u00e9n\u00e9rative pour l&#8217;exp\u00e9rience client, de capacit\u00e9 d&#8217;automatisation intelligente des processus, de moteur de marketing connect\u00e9 et de transformation des centres de contact permet aux banques d&#8217;innover plus rapidement en mati\u00e8re d\u2019exp\u00e9rience client, d&#8217;am\u00e9liorer l&#8217;efficacit\u00e9 op\u00e9rationnelle et de r\u00e9aliser des \u00e9conomies. Gr\u00e2ce \u00e0 une exp\u00e9rience et une expertise de pointe en mati\u00e8re de transformation num\u00e9rique, nous permettons aux entreprises d&#8217;acc\u00e9der au plein potentiel de l&#8217;IA, d&#8217;assurer la conformit\u00e9 r\u00e9glementaire et de stimuler l&#8217;efficacit\u00e9 op\u00e9rationnelle dans toutes les fonctions.<\/p>\n\n\n\n<p>Lib\u00e9rez tout le potentiel de votre entreprise gr\u00e2ce aux capacit\u00e9s de transformation digitale de Capgemini. Contactez-nous d\u00e8s aujourd&#8217;hui pour d\u00e9couvrir comment nous pouvons vous aider \u00e0 \u00eatre leader dans le paysage \u00e9volutif de la banque de d\u00e9tail.<\/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_772861_138418893\" 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_4036547437\" name=\"_mf_729746_5053\" placeholder=\"Pr\u00e9nom\" required \/><label for=\"_mf_729746_5053_4036547437\" 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_3135336241\" name=\"_mf_729746_9577\" placeholder=\"Nom\" required \/><label for=\"_mf_729746_9577_3135336241\" 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_688530156\" name=\"_mf_729746_5066\" placeholder=\"Email\" required \/><label for=\"_mf_729746_5066_688530156\" 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_3253953180\" name=\"_mf_729746_5511\" placeholder=\"Entreprise\" required \/><label for=\"_mf_729746_5511_3253953180\" 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_3201488723\" name=\"_mf_729746_8443\" placeholder=\"Fonction\" required \/><label for=\"_mf_729746_8443_3201488723\" 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_1284251321\" 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for=\"_mf_729746_8695_1259655318\" 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=\"772861\" \/>\n\t\t\t\t<input type=\"hidden\" name=\"form_title\" class=\"mf_form__title\" value=\"top-trends-banque-de-d%c3%a9tail-2025\" \/>\n\t\t\t\t<input type=\"hidden\" name=\"wp_rest_nonce\" class=\"mf_form__wp_rest_nonce\" value=\"d42dd646fa\" \/>\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_CONFIG772861 = {\"772861\":{\"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\/2025\/01\/catherine_chedru_refeuil_e40f9f.jpg\" alt=\"Catherine Chedru-Refeuil\"\/>\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\/catherine-chedru-refeuil-2a32aa42\/\"><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\">Catherine Chedru-Refeuil<\/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 Banking Practice, Capgemini Financial Services<\/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\/catherine-chedru-refeuil-2a32aa42\/\"><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\">Catherine dirige la banking practice des services financiers en France. Professionnelle chevronn\u00e9e, elle a 25 ans d&#8217;exp\u00e9rience dans le secteur bancaire o\u00f9 elle a particip\u00e9 \u00e0 d&#8217;importants programmes de transformation op\u00e9rationnelle et digitale dans les secteurs de la gestion de patrimoine, de la gestion d&#8217;actifs et de la BFI.<\/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\/07\/Stephane-Dalifard.jpg\" alt=\"St\u00e9phane Dalifard\"\/>\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\/st\u00e9phane-dalifard-29447824\/\"><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\">St\u00e9phane Dalifard<\/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>Vice-President Retail banking, Capgemini Invent Financial Services\u00a0<\/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\/st\u00e9phane-dalifard-29447824\/\"><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\">St\u00e9phane Dalifard accompagne depuis plus de 25 ans les \u00e9tablissements financiers dans la transformation et l\u2019\u00e9volution de leurs m\u00e9tiers, en les aidant notamment \u00e0 tirer profit des oppor-tunit\u00e9s offertes par les leviers digitaux (intelligence artificielle, IA\/data, IoT, robotisation, open banking, \u2026) et \u00e0 gagner en agilit\u00e9 dans un \u00e9co-syst\u00e8me d\u2019innovation foisonnant (fintechs, assur-techs, GAFA, \u2026).  <\/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 fafdde3f-9a39-43b2-8733-135522428116\">\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<div class=\"btnDiv\"> <a class=\"more2\" data-maxlength=\"24\" aria-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\t\t\t\t\t\t\t\t\t\t\t\ttitle=\"Opens in new window\" tabindex=\"0\" href=\"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\ttarget=\"_blank\">\n\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<\/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=\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tobject-position: 50% 50%; object-fit: cover;\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\" 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\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\tstyle=\"\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\" 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 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D\u00e9couvrez comment les strat\u00e9gies omnicanales, l&#8217;efficacit\u00e9 pilot\u00e9e par l&#8217;IA et les strat\u00e9gies de produits ESG transforment le secteur.<\/p>\n","protected":false},"author":440,"featured_media":772390,"template":"","meta":{"cg_dt_proposed_to":[21,46,41],"cg_seo_hreflang_relations":"[]","cg_seo_canonical_relation":"","cg_seo_hreflang_x_default_relation":"{\"uuid\":\"a5fd8ec4-10c5-4414-94ae-552e89367873\",\"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-772389","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 - Banque de d\u00e9tail - Capgemini France<\/title>\n<meta name=\"description\" content=\"Partez \u00e0 la d\u00e9couverte des tendances de la banque de d\u00e9tail \u00e0 l&#039;horizon 2025. 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