{"id":772497,"date":"2025-01-13T18:36:32","date_gmt":"2025-01-13T17:36:32","guid":{"rendered":"https:\/\/www.capgemini.com\/fr-fr\/?post_type=research-and-insight&#038;p=772497"},"modified":"2025-12-04T01:55:12","modified_gmt":"2025-12-04T00:55:12","slug":"top-trends-2025-developpement-durable-services-financiers","status":"publish","type":"research-and-insight","link":"https:\/\/www.capgemini.com\/fr-fr\/perspectives\/publications\/top-trends-2025-developpement-durable-services-financiers\/","title":{"rendered":"Top trends 2025 &#8211; Le d\u00e9veloppement durable dans les services financiers"},"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\/Top-Trends-Sustainability-web-banner_2880x1800.jpg?w=2880&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/12\/Top-Trends-Sustainability-web-banner_2880x1800.jpg?w=2880&amp;quality=70 2x\" media=\"(min-width: 1500px)\"\/><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/12\/Top-Trends-Sustainability-web-banner_2880x1800.jpg?w=1440&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/12\/Top-Trends-Sustainability-web-banner_2880x1800.jpg?w=2880&amp;quality=70 2x\" media=\"(min-width: 992px)\"\/><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/12\/Top-Trends-Sustainability-web-banner_2880x1800.jpg?w=1024&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/12\/Top-Trends-Sustainability-web-banner_2880x1800.jpg?w=1024&amp;quality=70 2x\" media=\"(min-width: 768px)\"\/><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/12\/Top-Trends-Sustainability-web-banner_2880x1800.jpg?w=768&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/12\/Top-Trends-Sustainability-web-banner_2880x1800.jpg?w=768&amp;quality=70 2x\" media=\"(min-width: 0)\"\/><img decoding=\"async\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/12\/Top-Trends-Sustainability-web-banner_2880x1800.jpg\" class=\"header-img header-img-d\" alt=\"\" style=\"object-fit:cover;object-position:40% 35%\" 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; Le d\u00e9veloppement durable dans les services financiers  <\/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\/2024\/12\/Capgemini_Top-Trends-2025_Sustainability-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_Sustainability-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\">184 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=981758\" 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=981758&amp;text=\" 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=981758&amp;text=\" 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-lies-au-changement-climatique-en-avantage-concurrentiel-durable\">Transformer les d\u00e9fis li\u00e9s au changement climatique en avantage concurrentiel durable<\/h2>\n\n\n\n<p>En 2025, de nouvelles tendances red\u00e9finissent le secteur des services financiers et son r\u00f4le en mati\u00e8re de d\u00e9veloppement durable. La derni\u00e8re \u00e9tude de Capgemini a identifi\u00e9 trois domaines centraux autour desquels l&#8217;avenir de l&#8217;ESG se dessine :<\/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 et de la valeur d\u00e9livr\u00e9e par les produits et les services financiers.<\/li>\n\n\n\n<li><strong>Enterprise management<\/strong> explore la fa\u00e7on dont les institutions financi\u00e8res 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 l\u2019empreinte carbone de leurs activit\u00e9s.<\/li>\n\n\n\n<li><strong>Intelligent industry<\/strong> se concentre sur l&#8217;exploitation de solutions innovantes pour offrir des exp\u00e9riences num\u00e9riques durables qui transforment la cha\u00eene de valeur.<\/li>\n<\/ul>\n\n\n\n<p>Alors que l&#8217;utilisation de technologies telles que l&#8217;IA et les outils d&#8217;analyse de donn\u00e9es se banalise, les institutions financi\u00e8res doivent en tirer parti pour renforcer les initiatives de durabilit\u00e9, am\u00e9liorer la pr\u00e9cision des rapports ESG et grandir intelligemment au sein de leur environnement de march\u00e9 complexe. Nos trois domaines couvrent la r\u00e9ponse du secteur des services financiers \u00e0 ces d\u00e9fis et opportunit\u00e9s. Ils abordent la fa\u00e7on dont les organisations pr\u00e9voient d\u2019\u00eatre plus centr\u00e9es sur le client, plus efficaces et plus innovantes \u00e0 partir de 2025 \u2013 tout en priorisant les pr\u00e9occupations environnementales et sociales.<\/p>\n\n\n\n<p>Ce rapport donne un aper\u00e7u des 10 principales tendances en mati\u00e8re de d\u00e9veloppement durable dans les services financiers qui auront un impact sur les organisations en 2025, et offre des indications sur la mani\u00e8re dont les organisations peuvent am\u00e9liorer leur conformit\u00e9, r\u00e9pondre aux exigences croissantes des clients et favoriser une croissance durable.<\/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\/2024\/12\/Capgemini_Top-Trends-2025_Sustainability-1.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 li\u00e9es au d\u00e9veloppement durable qui seront au c\u0153ur des pr\u00e9occupations des acteurs des services financiers en 2025.<\/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>Opportunit\u00e9s de produits durables<\/strong><br>Les produits d&#8217;investissement et de finance durable connaissent une croissance consid\u00e9rable ces derni\u00e8res ann\u00e9es. Alors que les entreprises s&#8217;efforcent d&#8217;aligner leurs offres d&#8217;investissement sur leurs valeurs ESG, les banques et les assureurs proposeront davantage de produits qui favorisent la r\u00e9silience, la gestion des risques climatiques et l&#8217;inclusion financi\u00e8re.<br><strong>Opportunit\u00e9s de services durables<\/strong><br>D&#8217;ici fin 2025, 70 % des consommateurs des march\u00e9s \u00e9mergents ainsi que plus de 70 % des Millenials et de la Gen Z prioriseront des produits bancaires li\u00e9s au d\u00e9veloppement durable. Les opportunit\u00e9s de conseil et de services financiers se d\u00e9veloppent dans ce domaine, illustr\u00e9es par l\u2019int\u00e9gration de l\u2019ESG dans les offres de 62 % des conseillers financiers. Cette tendance transforme profond\u00e9ment les cha\u00eenes d&#8217;approvisionnement mondiales et stimule l&#8217;innovation en termes de d\u00e9veloppement de produits et de mod\u00e8les d&#8217;entreprise, ce qui se traduit par une plus grande fid\u00e9lit\u00e9 des clients et une plus grande part de march\u00e9 pour les acteurs durables.<\/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>Crit\u00e8res de risque ESG<\/strong><br>Les litiges li\u00e9s \u00e0 l\u2019ESG ont co\u00fbt\u00e9 aux entreprises du S&amp;P 500 plus de 600 milliards de dollars de capitalisation boursi\u00e8re en sept ans. Les r\u00e9glementations mondiales et la responsabilit\u00e9 des administrateurs et dirigeants augmentent, en t\u00e9moigne le fait que 71 % des investisseurs int\u00e9greront les facteurs ESG dans leurs portefeuilles d\u2019ici fin 2025.<br><strong>Une r\u00e9glementation accrue<\/strong><br>Les r\u00e9gulateurs font pression pour plus de coh\u00e9rence et de granularit\u00e9 dans les reporting ESG, ce qui aura un impact sur les strat\u00e9gies d&#8217;investissement des entreprises de services financiers. Des r\u00e9glementations ESG plus strictes renforcent la responsabilisation, sachant que 99 % des entreprises se pr\u00e9parant \u00e0 des obligations accrues dans ce domaine. Les donn\u00e9es ESG et les technologies de reporting sont davantage utilis\u00e9es pour am\u00e9liorer la gestion des risques, la conformit\u00e9 et la confiance des investisseurs.<br><strong>Mod\u00e9lisation des risques climatiques<\/strong><br>Les nouvelles r\u00e8gles de l&#8217;ISSB, de la CSRD et de la SEC renforcent la pression en termes de reporting ESG. D&#8217;ici 2050, le changement climatique pourrait avoir un impact sur 28 % des actifs de l&#8217;indice S&amp;P 1200 chaque ann\u00e9e et entra\u00eener des pertes de revenus de 38 000 milliards de dollars \u00e0 l&#8217;\u00e9chelle mondiale. Les entreprises dot\u00e9es d&#8217;une solide gestion des risques climatiques et d\u2019une gouvernance ESG d\u00e9velopperont un avantage concurrentiel et attireront les investissements, tandis que la mod\u00e9lisation des risques climatiques s\u2019\u00e9tendront davantage d&#8217;ici \u00e0 fin 2025.<br><strong>Greenwashing<\/strong><br>Certaines entreprises s&#8217;abstiennent de rendre public leurs progr\u00e8s en mati\u00e8re de d\u00e9carbonation par crainte de r\u00e9actions n\u00e9gatives, ce qui peut conduire \u00e0 une diminution des efforts et \u00e0 une communication moins exhaustive afin d&#8217;\u00e9viter d\u2019\u00eatre expos\u00e9e sur cette question. Pour ces raisons, de nombreuses entreprises tenteront de limiter l\u2019\u00e9tendu de certains reporting ESG.<br><strong>D\u00e9carbonisation des portefeuilles<\/strong><br>Les strat\u00e9gies de d\u00e9carbonisation gagnent en popularit\u00e9 parmi les investisseurs institutionnels. Afin de r\u00e9duire l&#8217;empreinte carbone et de s&#8217;aligner sur les objectifs et la r\u00e9glementation en mati\u00e8re de d\u00e9veloppement durable, l&#8217;une des principales tendances en mati\u00e8re d&#8217;investissement sera de continuer \u00e0 donner la priorit\u00e9 aux investissements \u00e0 faible \u00e9mission de carbone en 2025.<\/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>La durabilit\u00e9 comme ADN de l&#8217;entreprise<\/strong><br>Les institutions financi\u00e8res sont cens\u00e9es int\u00e9grer le d\u00e9veloppement durable dans tous les aspects de leurs strat\u00e9gies et sur l\u2019ensemble de leur cha\u00eene de valeur. Les entreprises intensifieront leurs efforts dans le but d&#8217;am\u00e9liorer l&#8217;efficacit\u00e9 op\u00e9rationnelle, de r\u00e9duire la consommation d\u2019\u00e9nergie et d\u2019eau, et de diminuer la production de d\u00e9chets.<br><strong>L&#8217;IA au service du d\u00e9veloppement durable<\/strong><br>Les investissements dans l&#8217;IA pour le d\u00e9veloppement durable augmentent, avec une croissance significative des analyses aliment\u00e9es par l&#8217;IA pour la prise de d\u00e9cision ESG bas\u00e9e sur les donn\u00e9es, le reporting et la gestion des risques. L&#8217;IA g\u00e9n\u00e9rative excelle dans l&#8217;extraction, la synth\u00e8se et le traitement des donn\u00e9es, ce qui facilite la production de rapports en concentrant l\u2019activit\u00e9 humaine sur les t\u00e2ches \u00e0 forte valeur ajout\u00e9e.<br><strong>Aller au-del\u00e0 des \u00e9missions de carbone<\/strong><br>Pendant des ann\u00e9es, les \u00e9missions de carbone ont \u00e9t\u00e9 le principal point d&#8217;attention des institutions financi\u00e8res. Cependant, en 2025, les entreprises se concentreront davantage sur les dimensions sociales et l\u2019int\u00e9gration des \u00e9l\u00e9ments li\u00e9s \u00e0 la nature et la biodiversit\u00e9 dans le but d&#8217;am\u00e9liorer leur impact positif, d&#8217;attirer davantage d&#8217;investisseurs et de clients et d&#8217;\u00e9tablir de nouvelles normes pour le secteur financier.<\/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>Des rapports ESG rigoureux et une attention accrue au d\u00e9veloppement durable aideront les institutions financi\u00e8res \u00e0 naviguer dans un contexte comp\u00e9titif et r\u00e9glementaire de plus en plus complexe en 2025. Alors que les investisseurs et les consommateurs exigent des informations exhaustives, les entreprises doivent veiller \u00e0 l&#8217;int\u00e9gration de la durabilit\u00e9 dans toutes les facettes de leurs activit\u00e9s.<\/p>\n\n\n\n<p>L&#8217;IA et l&#8217;analyse des donn\u00e9es joueront un r\u00f4le central dans cette int\u00e9gration, les entreprises performantes tirant parti de ces avanc\u00e9es pour garantir la conformit\u00e9, am\u00e9liorer la collecte des donn\u00e9es ESG et renforcer les proc\u00e9dures de reporting. En 2025, les entreprises augmenteront \u00e9galement leurs investissements dans des actifs durables, \u00e0 faible \u00e9mission de carbone et dans des projets sociaux pour r\u00e9pondre aux nouvelles exigences r\u00e9glementaires et \u00e0 l&#8217;\u00e9volution des pr\u00e9f\u00e9rences des consommateurs. En outre, le secteur se conformera \u00e0 l&#8217;\u00e9volution des demandes du march\u00e9 en adoptant les principes de l&#8217;\u00e9conomie circulaire et en favorisant des cha\u00eenes d&#8217;approvisionnement r\u00e9silientes et durables.<\/p>\n\n\n\n<p>En adoptant la transformation num\u00e9rique et les strat\u00e9gies ESG, les institutions financi\u00e8res obtiendront un avantage concurrentiel, attireront les investissements et conna\u00eetront un succ\u00e8s grandissant dans un secteur de plus en plus soucieux de l&#8217;environnement. Relever le d\u00e9fi est une n\u00e9cessit\u00e9 pour les entreprises qui souhaitent \u00e9merger en tant que leaders du secteur en 2025.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-transformez-votre-activite-de-services-financiers-grace-a-l-expertise-de-capgemini\">Transformez votre activit\u00e9 de services financiers 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 de la puissance des technologies pour capitaliser sur l&#8217;\u00e9volution rapide du d\u00e9veloppement durable. Nos solutions Business for Planet Modeling, ESG Lens, ESG Reporting et Sustainability Data Hub permettent aux entreprises d&#8217;am\u00e9liorer les efforts de mod\u00e9lisation des risques, de renforcer la prise de d\u00e9cision et de stimuler la performance commerciale ax\u00e9e sur l&#8217;ESG. En tirant parti de notre exp\u00e9rience et de notre expertise en mati\u00e8re de transformation num\u00e9rique des services financiers, nous permettons aux entreprises de renforcer leurs initiatives en mati\u00e8re de d\u00e9veloppement durable, d&#8217;obtenir des informations sur les donn\u00e9es et de stimuler l&#8217;efficacit\u00e9 op\u00e9rationnelle.<\/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 dominer le paysage financier en constante \u00e9volution et de plus en plus durable.<\/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_773021_1310500985\" 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_2003412090\" name=\"_mf_729746_5053\" placeholder=\"Pr\u00e9nom\" required \/><label for=\"_mf_729746_5053_2003412090\" 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_3455807760\" name=\"_mf_729746_9577\" placeholder=\"Nom\" required \/><label for=\"_mf_729746_9577_3455807760\" 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_3960970841\" name=\"_mf_729746_5066\" placeholder=\"Email\" required \/><label for=\"_mf_729746_5066_3960970841\" 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_745877279\" name=\"_mf_729746_5511\" placeholder=\"Entreprise\" required \/><label for=\"_mf_729746_5511_745877279\" 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_3734069676\" name=\"_mf_729746_8443\" placeholder=\"Fonction\" required \/><label for=\"_mf_729746_8443_3734069676\" 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_3376973935\" name=\"_mf_729746_4975\" placeholder=\"Pays\" required \/><label for=\"_mf_729746_4975_3376973935\" 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_2050263151\" name=\"_mf_772827_9445\" placeholder=\"Commentaires\" required \/><label for=\"_mf_772827_9445_2050263151\" 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_1088396249\" 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_1088396249\" 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=\"773021\" \/>\n\t\t\t\t<input type=\"hidden\" name=\"form_title\" class=\"mf_form__title\" value=\"top-trends-2025-sustainability-fs\" \/>\n\t\t\t\t<input type=\"hidden\" name=\"wp_rest_nonce\" class=\"mf_form__wp_rest_nonce\" value=\"9d37d73b70\" \/>\n\n\t\t\t\t<input type=\"hidden\" name=\"mf_form_conditional_logic\" class=\"mf_form__title conditional_logic\" value=\"\" \/>\n\t\t\t\t\n\t\t\t\t<input type=\"hidden\" name=\"mf_form_fields_country_dpo_field\" class=\"mf_form__title conditional_logic mf_form_fields_country_dpo_field\" value=\"_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_CONFIG773021 = {\"773021\":{\"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\/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\/edouard_le_bonte.png\" alt=\"Edouard Le Bont\u00e9\"\/>\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\/edouard-le-bonte\/\"><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\">Edouard Le Bont\u00e9<\/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>Sustainability Portfolio Head, 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\/edouard-le-bonte\/\"><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\">Passionn\u00e9 par le d\u00e9veloppement durable et l&#8217;innovation, Edouard est actuellement responsable du portefeuille de conseil en d\u00e9veloppement durable pour Capgemini Financial Services. Il accompagne les institutions financi\u00e8res dans leur trajectoire net-z\u00e9ro, l\u2019am\u00e9lioration des mod\u00e9lisations de risque climatique, et l\u2019int\u00e9gration du d\u00e9veloppement durable dans les activit\u00e9s de croissance par la cr\u00e9ation de nouveaux produits et services.<\/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\/Ricard-Nicolas_HD.jpg\" alt=\"Nicolas Ricard\"\/>\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\/nicolas-ricard-ba183132\/\"><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\">Nicolas Ricard<\/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>Senior Managing Consultant | Sustainable Finance, Capgemini Invent 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\/nicolas-ricard-ba183132\/\"><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\">Nicolas est notre expert chez Capgemini Invent en mati\u00e8re de finance durable. Fort de plus de 10 ans d\u2019exp\u00e9rience dans les domaines des risques et de la r\u00e9glementation appliqu\u00e9s au secteur financier, il accompagne nos clients dans la mise en conformit\u00e9 avec les obligations de publication extra-financi\u00e8re. Son expertise lui permet d&#8217;intervenir notamment sur l\u2019\u00e9valuation des risques climatiques, la mesure des impacts, ainsi que la d\u00e9finition de strat\u00e9gies ESG, en s\u2019appuyant sur une solide connaissance des m\u00e9tiers du secteur.<\/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 f74164b8-0dc1-4919-ad6a-c35bad714e5a\">\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_2964114779\" 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_2964114779\" 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=\"9d37d73b70\" \/>\n\n\t\t\t\t<input type=\"hidden\" name=\"mf_form_conditional_logic\" class=\"mf_form__title conditional_logic\" value=\"\" \/>\n\t\t\t\t\n\t\t\t\t<input type=\"hidden\" name=\"mf_form_fields_country_dpo_field\" class=\"mf_form__title conditional_logic mf_form_fields_country_dpo_field\" value=\"\" \/>\n\n\t\t\t\t<!-- Anti-spam field -->\n\t\t\t\t<input type=\"text\" \n\t\t\t\t\tname=\"website_url\" \n\t\t\t\t\tclass=\"mf_field__url\" \n\t\t\t\t\tautocomplete=\"off\"\n\t\t\t\t\ttabindex=\"-1\"\n\t\t\t\t\taria-hidden=\"true\"\n\t\t\t\t\tstyle=\"position:absolute;left:-9999px;width:1px;height:1px;opacity:0;pointer-events:none;\" \n\t\t\t\t\/>\n\t\t\t<\/form>\n\n\t\t\t<div class=\"mf_form__success\" tabindex=\"0\" role=\"alert\">\n\t\t\t\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>Explorez les tendances de la finance durable et de la l\u00e9gislation ESG qui fa\u00e7onnent le secteur des services financiers. D\u00e9couvrez comment elles favoriser la croissance et la conformit\u00e9.<\/p>\n","protected":false},"author":440,"featured_media":772498,"template":"","meta":{"cg_dt_proposed_to":[21,46,41],"cg_seo_hreflang_relations":"[]","cg_seo_canonical_relation":"","cg_seo_hreflang_x_default_relation":"{\"uuid\":\"0d766642-7d75-4a61-8d5a-ebb8159f512e\",\"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":[93,59],"brand":[368],"service":[],"industry":[70,27],"partners":[],"content-group":[],"class_list":["post-772497","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-developpement-durable","theme-services-financiers","brand-capgemini-research-institute","industry-assurance","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 - Le d\u00e9veloppement durable dans les services financiers<\/title>\n<meta name=\"description\" content=\"Explorez les tendances de la finance durable et de la l\u00e9gislation ESG qui fa\u00e7onnent le secteur des services financiers. 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