{"id":772435,"date":"2025-01-13T18:41:08","date_gmt":"2025-01-13T17:41:08","guid":{"rendered":"https:\/\/www.capgemini.com\/fr-fr\/?post_type=research-and-insight&#038;p=772435"},"modified":"2025-12-04T01:54:19","modified_gmt":"2025-12-04T00:54:19","slug":"top-trends-2025-marches-de-capitaux","status":"publish","type":"research-and-insight","link":"https:\/\/www.capgemini.com\/fr-fr\/perspectives\/publications\/top-trends-2025-marches-de-capitaux\/","title":{"rendered":"Top trends 2025 &#8211; March\u00e9s de capitaux"},"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\/Capital-market-Landing-page-banner_2880x1800_01.jpg?w=2880&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/12\/Capital-market-Landing-page-banner_2880x1800_01.jpg?w=2880&amp;quality=70 2x\" media=\"(min-width: 1500px)\"\/><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/12\/Capital-market-Landing-page-banner_2880x1800_01.jpg?w=1440&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/12\/Capital-market-Landing-page-banner_2880x1800_01.jpg?w=2880&amp;quality=70 2x\" media=\"(min-width: 992px)\"\/><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/12\/Capital-market-Landing-page-banner_2880x1800_01.jpg?w=1024&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/12\/Capital-market-Landing-page-banner_2880x1800_01.jpg?w=1024&amp;quality=70 2x\" media=\"(min-width: 768px)\"\/><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/12\/Capital-market-Landing-page-banner_2880x1800_01.jpg?w=768&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/12\/Capital-market-Landing-page-banner_2880x1800_01.jpg?w=768&amp;quality=70 2x\" media=\"(min-width: 0)\"\/><img decoding=\"async\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/12\/Capital-market-Landing-page-banner_2880x1800_01.jpg\" class=\"header-img header-img-d\" alt=\"\" style=\"object-fit:cover;object-position:20% 70%\" 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\"><br>Top trends 2025 &#8211; March\u00e9s de capitaux<\/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_Capital-Markets.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_Capital-Markets-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\">160 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-de-l-industrie-en-avantage-concurrentiel-durable\">Transformer les d\u00e9fis de l&#8217;industrie en avantage concurrentiel durable<\/h2>\n\n\n\n<p>De nouvelles tendances red\u00e9finissent le paysage des march\u00e9s de capitaux \u00e0 l&#8217;horizon 2025. Le r\u00e9cent rapport de Capgemini sur les tendances identifie trois th\u00e8mes qui contribuent \u00e0 l&#8217;\u00e9volution du secteur des march\u00e9s de capitaux \u00e0 l&#8217;avenir :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Customer first<\/strong> se concentre sur l&#8217;am\u00e9lioration 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> tire parti de la technologie pour rationaliser les processus, accro\u00eetre l&#8217;agilit\u00e9 et r\u00e9duire les co\u00fbts op\u00e9rationnels.<\/li>\n\n\n\n<li><strong>Intelligent industry<\/strong> s&#8217;articule autour de l&#8217;utilisation de solutions technologiques modernes pour offrir des exp\u00e9riences num\u00e9riques de bout en bout qui transforment l&#8217;ensemble de la cha\u00eene de valeur.<\/li>\n<\/ul>\n\n\n\n<p>Ces th\u00e8mes \u00e9clairent la r\u00e9ponse aux d\u00e9fis et opportunit\u00e9s du secteur des march\u00e9s de capitaux et la fa\u00e7on dont les organisations peuvent se positionner dans la perspective d\u2019un futur orient\u00e9 client, plus efficace et innovant. Notre rapport offre une vue d&#8217;ensemble des dix principales tendances qui fa\u00e7onneront les march\u00e9s de capitaux au cours de l&#8217;ann\u00e9e \u00e0 venir et au-del\u00e0, et offre un aper\u00e7u de la fa\u00e7on dont les institutions financi\u00e8res peuvent rester comp\u00e9titives, d\u00e9bloquer la croissance et r\u00e9pondre aux exigences et aux attentes des clients d&#8217;aujourd&#8217;hui.<\/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_Capital-Markets.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 comment les derni\u00e8res tendances des march\u00e9s de capitaux remod\u00e8lent le secteur et \u00e9tablissent de nouvelles normes d&#8217;innovation et de valeur ajout\u00e9e pour les clients.<\/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><strong><strong>La r\u00e9volution du Perpetual KYC<\/strong><\/strong><\/strong><br>L\u2019intelligence artificielle et l\u2019analyse de donn\u00e9es vont enrichir le KYC en permettant un suivi client en temps r\u00e9el et une plus grande r\u00e9activit\u00e9 en cas d\u2019alerte. Cette approche am\u00e9lior\u00e9e de la gestion des profils de clients et des risques va optimiser les d\u00e9lais d\u2019onboarding et enrichir l\u2019exp\u00e9rience utilisateur.<br><strong>Acc\u00e9l\u00e9rer les pr\u00eats durables<\/strong><br>Partout dans le monde, les entreprises d\u00e9veloppent leurs investissements dans les technologies d&#8217;\u00e9nergie propre pour r\u00e9pondre \u00e0 leur ambition net z\u00e9ro. Alors que les entreprises se pr\u00e9parent \u00e0 investir davantage dans leur transition \u00e9nerg\u00e9tique, les banques ont la possibilit\u00e9 de tirer parti de cette opportunit\u00e9 en \u00e9tant facilitatrices.<br><strong>Un paysage de l&#8217;investissement en mutation<\/strong><br>\u00c0 la recherche de frais moins \u00e9lev\u00e9s, de rendements de march\u00e9 constants et d&#8217;un risque r\u00e9duit, les investisseurs se sont largement tourn\u00e9s vers l&#8217;investissement passif au cours de la derni\u00e8re d\u00e9cennie. Mais alors que le paysage de l&#8217;investissement continue de changer, les institutions financi\u00e8res s&#8217;adaptent au travers de l\u2019innovation, la consolidation et mettent l&#8217;accent sur des produits d&#8217;investissement scalables, low-cost et diversifi\u00e9s.<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\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>Des gains d&#8217;efficacit\u00e9 gr\u00e2ce \u00e0 la collaboration<\/strong><br>L&#8217;inefficacit\u00e9 des process post-trade continue de nuire aux institutions financi\u00e8res, en raison de d\u00e9pendances co\u00fbteuses et de processus fragment\u00e9s qui les emp\u00eachent de tirer tout le b\u00e9n\u00e9fice de l\u2019offshoring et de l&#8217;automatisation. En 2025, une \u00e9volution vers la mutualisation et l\u2019externalisation strat\u00e9gique r\u00e9duira le co\u00fbt des traitements post-trade.<br><strong>Efficacit\u00e9 du capital<\/strong><br>Les conflits g\u00e9opolitiques, l&#8217;inflation et la hausse des taux des banques centrales ont pouss\u00e9 les institutions financi\u00e8res \u00e0 r\u00e9ajuster leurs strat\u00e9gies en mati\u00e8re de capital. Pour relever ces d\u00e9fis, les entreprises r\u00e9viseront leurs mod\u00e8les de booking, restructureront leur cadre de gestion du capital, d\u00e9velopperont des structures fiscalement efficaces et se tourneront vers des produits moins intensifs en capital afin d&#8217;accro\u00eetre l&#8217;efficacit\u00e9 globale.<br><strong>Des plateformes r\u00e9silientes et modernis\u00e9es<\/strong><br>Les limitations technologiques, les nouvelles exigences r\u00e9glementaires et les d\u00e9fis accrus en mati\u00e8re de cybers\u00e9curit\u00e9 poussent les entit\u00e9s financi\u00e8res \u00e0 s&#8217;attaquer \u00e0 la modernisation de leurs syst\u00e8mes. L&#8217;une des principales tendances technologiques pour les march\u00e9s de capitaux sera la migration vers des plateformes plus modernes et r\u00e9silientes qui permettent la croissance, augmentent la r\u00e9silience et la scalabilit\u00e9 tout en permettant de mieux contr\u00f4ler les co\u00fbts.<\/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><strong>DLT et tokenisation<\/strong><\/strong><br>Depuis son arriv\u00e9e avec l&#8217;essor de la blockchain et des crypto-monnaies, la technologie des registres distribu\u00e9s (DLT) a \u00e9volu\u00e9 pour inclure une gamme plus large d&#8217;actifs, notamment les smart contracts, et la tokenisation.<br><strong>Tirer parti de l&#8217;IA g\u00e9n\u00e9rative<\/strong><br>Les d\u00e9penses mondiales en mati\u00e8re d&#8217;intelligence artificielle devraient atteindre de nouveaux sommets et les acteurs des march\u00e9s financiers se tournent vers cette technologie en plein essor pour favoriser l&#8217;am\u00e9lioration de l&#8217;efficacit\u00e9 op\u00e9rationnelle et de l&#8217;exp\u00e9rience client. Pour renforcer leur avantage concurrentiel et augmenter leur valeur ajout\u00e9e, ils continueront \u00e0 mettre en \u0153uvre des strat\u00e9gies et des mod\u00e8les op\u00e9rationnels d&#8217;IA g\u00e9n\u00e9rative.<br><strong>R\u00e8glement acc\u00e9l\u00e9r\u00e9 \u00e0 l&#8217;\u00e9chelle mondiale<\/strong><br>La mise en \u0153uvre en 2024 d&#8217;un cycle de r\u00e8glement T+1 a produit des avantages majeurs pour l&#8217;Am\u00e9rique du Nord. Le Royaume-Uni et l&#8217;UE cherchent d\u00e9sormais \u00e0 faire avancer leurs propres mises en \u0153uvre de r\u00e8glement T+1. Dans un contexte de fragmentation et de complexit\u00e9 du paysage, les entreprises chercheront \u00e0 optimiser leurs mod\u00e8les op\u00e9rationnels, \u00e0 am\u00e9liorer la gestion des donn\u00e9es et \u00e0 moderniser les technologies existantes afin de r\u00e9ussir leur migration vers le T+1.<br><strong>Optimisation du reporting transactionnel<\/strong><br>Une r\u00e9cente vague d\u2019\u00e9volutions r\u00e9glementaires a entra\u00een\u00e9 des changements significatifs dans le reporting transactionnel. Les institutions financi\u00e8res vont devoir int\u00e9grer ces changements et se concentrer sur l\u2019adaptation des mod\u00e8les op\u00e9rationnels pour donner la priorit\u00e9 \u00e0 l&#8217;efficacit\u00e9 et aux contr\u00f4les.<\/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>Au cours de l&#8217;ann\u00e9e \u00e0 venir, le secteur des march\u00e9s de capitaux conna\u00eetra une \u00e9volution significative sous l&#8217;effet des avanc\u00e9es technologiques, de la priorisation des enjeux d\u2019efficacit\u00e9 et des changements dans l&#8217;environnement macro\u00e9conomique. Pour rester comp\u00e9titif et am\u00e9liorer la proposition de valeur client, les banques vont devoir aligner leurs strat\u00e9gies sur des initiatives qui les aideront \u00e0 pr\u00e9parer l&#8217;avenir :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>La transformation digitale sera une priorit\u00e9, les syst\u00e8mes legacy seront modernis\u00e9s et les technologies avanc\u00e9es telles que Gen AI et la DLT am\u00e9lioreront la prise de d\u00e9cision et l&#8217;exp\u00e9rience client.<\/li>\n\n\n\n<li>L&#8217;optimisation op\u00e9rationnelle sera \u00e9galement un point cl\u00e9 \u00e0 l\u2019agenda&nbsp;: outsourcing strat\u00e9gique et mutualisation sont des leviers importants de r\u00e9duction des co\u00fbts, d\u2019am\u00e9lioration de la liquidit\u00e9 et de l&#8217;efficacit\u00e9 du capital.<\/li>\n\n\n\n<li>En outre, les banques chercheront \u00e0 d\u00e9velopper et \u00e0 tirer pleinement parti de strat\u00e9gies agiles qui leur permettent de s&#8217;adapter \u00e0 l&#8217;\u00e9volution de l&#8217;environnement macro\u00e9conomique.<\/li>\n<\/ul>\n\n\n\n<p>En adoptant la transformation digitale et l&#8217;approche centr\u00e9e sur le client, les acteurs des march\u00e9s de capitaux continueront \u00e0 performer dans un paysage en constante \u00e9volution.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-transformez-votre-activite-sur-les-marches-de-capitaux-grace-a-l-expertise-de-capgemini\">Transformez votre activit\u00e9 sur les march\u00e9s de capitaux gr\u00e2ce \u00e0 l&#8217;expertise de Capgemini<\/h2>\n\n\n\n<p>Capgemini est le partenaire de confiance des institutions financi\u00e8res qui cherchent \u00e0 tirer parti des technologies de pointe pour rester comp\u00e9titives sur un march\u00e9 en constante \u00e9volution. Nos services complets d&#8217;efficience et d&#8217;automatisation des processus, notre expertise en mati\u00e8re de transformation technologique et notre savoir-faire pour permettre aux entreprises d&#8217;acc\u00e9der \u00e0 tous les avantages des donn\u00e9es et de l&#8217;IA aident nos clients \u00e0 s&#8217;adapter \u00e0 des environnements de march\u00e9 complexes et \u00e0 am\u00e9liorer l&#8217;exp\u00e9rience client. Gr\u00e2ce \u00e0 une exp\u00e9rience et \u00e0 des capacit\u00e9s de transformation digitale \u00e0 la pointe du secteur, nous permettons aux entreprises de moderniser les syst\u00e8mes existants et de favoriser l&#8217;excellence op\u00e9rationnelle dans toutes les fonctions.<\/p>\n\n\n\n<p>Lib\u00e9rez tout le potentiel de votre business avec Capgemini. Contactez-nous d\u00e8s aujourd&#8217;hui pour d\u00e9couvrir comment nous pouvons vous accompagner au sein du secteur dynamique des march\u00e9s de capitaux.<\/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_772895_1475736842\" 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_710318059\" name=\"_mf_729746_5053\" placeholder=\"Pr\u00e9nom\" required 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valide<\/div><\/div><div class=\"mf-field-wrapper form-floating col-sm-12\"><input type=\"text\" class=\"form-control\" id=\"_mf_729746_5511_2166206423\" name=\"_mf_729746_5511\" placeholder=\"Entreprise\" required \/><label for=\"_mf_729746_5511_2166206423\" 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_1774806331\" name=\"_mf_729746_8443\" placeholder=\"Fonction\" required \/><label for=\"_mf_729746_8443_1774806331\" 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_4271623388\" name=\"_mf_729746_4975\" placeholder=\"Pays\" required \/><label for=\"_mf_729746_4975_4271623388\" 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_460056057\" name=\"_mf_772827_9445\" placeholder=\"Commentaires\" required \/><label for=\"_mf_772827_9445_460056057\" 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_3648762083\" 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_3648762083\" 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 communication, comme d\u00e9crit dans notre <a href=\"https:\/\/www.capgemini.com\/fr-fr\/charte-de-protection-des-donnees-personnelles\/\" \/>Politique li\u00e9e aux donn\u00e9es personnelles<\/a>.  &nbsp;\t\t\t<\/label>\n\n\t\t<\/div>\n\t\t<\/div>\t\t\t<div class=\"mf_field mf_field--recaptcha\">\n\t\t\t\t<div class=\"g-recaptcha\" data-sitekey=\"6Lc3OpIUAAAAADY4ErEHF0HF6Tr7vuknduDU-fbl\"><\/div>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t<div class=\"mf_field mf_field--submit\" >\n\t\t\t\t<div class=\"slide-button-background button-background\">\n\t\t\t\t\t<label for=\"slider-submit-_mf_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=\"772895\" \/>\n\t\t\t\t<input type=\"hidden\" name=\"form_title\" class=\"mf_form__title\" value=\"top-trends-2025-march%c3%a9s-de-capitaux\" \/>\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_CONFIG772895 = {\"772895\":{\"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 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\/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\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\/01\/Olivier-Garcia.jpg\" alt=\"Olivier Garcia\"\/>\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\/olivier-garcia-50171ab6\/\"><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\">Olivier Garcia<\/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 Corporate and Investment 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\/olivier-garcia-50171ab6\/\"><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\">Olivier dirige la practice CIB au sein de Capgemini Invent, le cabinet de conseil du groupe Capgemini. Fort d\u2019une exp\u00e9rience de 15 ans en tant que responsable d\u2019activit\u00e9s de trading de produits d\u00e9riv\u00e9s complexes au sein de grandes institutions financi\u00e8res telles que Soci\u00e9t\u00e9 G\u00e9n\u00e9rale ou Cr\u00e9dit Suisse, il accompagne depuis 10 ans les acteurs des march\u00e9s financiers dans leur transformation m\u00e9tier, r\u00e9glementaire et technologique.<\/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\/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<\/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 4caf697d-c9eb-4362-8d94-bb1f8810a4d8\">\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\" 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> \t\t<div class=\"mf_forms__container \">\n\t\t\t\t\t\t\t\t<form id=\"mf_form_722015_2748278906\" 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_722015_1837_2043728480\" name=\"_mf_722015_1837\" placeholder=\"Pr\u00e9nom\" required \/><label for=\"_mf_722015_1837_2043728480\" 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_722015_3050_3393219843\" 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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_722015_4584_630257842\" name=\"_mf_722015_4584\" placeholder=\"Fonction\" required \/><label for=\"_mf_722015_4584_630257842\" 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_722015_836_2181026567\" name=\"_mf_722015_836\" placeholder=\"Pays\" required \/><label for=\"_mf_722015_836_2181026567\" 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  col-sm-12\">\n\t\t<div class=\"form-check 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