{"id":772541,"date":"2025-01-13T09:00:00","date_gmt":"2025-01-13T08:00:00","guid":{"rendered":"https:\/\/www.capgemini.com\/fr-fr\/?post_type=research-and-insight&#038;p=772541"},"modified":"2025-12-04T01:56:09","modified_gmt":"2025-12-04T00:56:09","slug":"top-trends-2025-assurance-iard","status":"publish","type":"research-and-insight","link":"https:\/\/www.capgemini.com\/fr-fr\/perspectives\/publications\/top-trends-2025-assurance-iard\/","title":{"rendered":"Top trends 2025 &#8211; Assurance IARD"},"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\/PC-Landing-page-banner_2880x1800_06.jpg?w=2880&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/12\/PC-Landing-page-banner_2880x1800_06.jpg?w=2880&amp;quality=70 2x\" media=\"(min-width: 1500px)\"\/><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/12\/PC-Landing-page-banner_2880x1800_06.jpg?w=1440&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/12\/PC-Landing-page-banner_2880x1800_06.jpg?w=2880&amp;quality=70 2x\" media=\"(min-width: 992px)\"\/><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/12\/PC-Landing-page-banner_2880x1800_06.jpg?w=1024&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/12\/PC-Landing-page-banner_2880x1800_06.jpg?w=1024&amp;quality=70 2x\" media=\"(min-width: 768px)\"\/><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/12\/PC-Landing-page-banner_2880x1800_06.jpg?w=768&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/12\/PC-Landing-page-banner_2880x1800_06.jpg?w=768&amp;quality=70 2x\" media=\"(min-width: 0)\"\/><img decoding=\"async\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/12\/PC-Landing-page-banner_2880x1800_06.jpg\" class=\"header-img header-img-d\" alt=\"\" style=\"object-fit:cover;object-position:46% 50%\" loading=\"eager\"\/><\/picture><\/div><div class=\"heroPictureCardHeaderShape\"><\/div><div class=\"container\"><div class=\"row\"><div class=\"col-md-12\"><div class=\"box\"><div class=\"boxTagWrapper\"><div class=\"tagInfo\"><div><span class=\"box-tag\">Services Financiers<\/span><\/div><\/div><div class=\"brandInfo\"><div class=\"brandLogo\"><img decoding=\"async\" loading=\"lazy\" src=\"\/wp-content\/themes\/capgemini2025\/assets\/images\/capgemini-research-institute-white.svg\" alt=\"capgemini-research-institute\" class=\"dark\"\/><img decoding=\"async\" loading=\"lazy\" src=\"\/wp-content\/themes\/capgemini2025\/assets\/images\/capgemini-research-institute.svg\" alt=\"capgemini-research-institute\" class=\"light\"\/><\/div><\/div><\/div><div class=\"box-title\"><h1 data-maxlength=\"34\">Top trends 2025 &#8211; Assurance IARD<\/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_PC-Insurance-3.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_PC-Insurance-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\">202 KB pdf<\/span><\/a><\/div><\/div><\/div><\/div><\/div><\/div><\/header>\n\n\n\n<section class=\"wp-block-cg-blocks-group undefined section section--article-content\"><div class=\"article-main-content\"><div class=\"container\"><div class=\"row\"><div class=\"col-12 col-md-1\"><nav class=\"article-social\"><ul class=\"social-nav\"><li class=\"ip-order-fb\"><a href=\"https:\/\/www.facebook.com\/sharer\/sharer.php?u=https:\/\/www.capgemini.com\/?post_type=research-and-insight&amp;p=835951\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"Ouvrir dans une nouvelle fen\u00eatre\"><i aria-hidden=\"true\" class=\"icon-fb\"><\/i><span class=\"sr-only\">Facebook<\/span><\/a><\/li><li class=\"ip-order-tw\"><a href=\"https:\/\/twitter.com\/intent\/tweet?url=https:\/\/www.capgemini.com\/?post_type=research-and-insight&amp;p=835951&amp;text=World%20Payments%20Report%202022\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"Ouvrir dans une nouvelle fen\u00eatre\"><i aria-hidden=\"true\" class=\"icon-tw\"><\/i><span class=\"sr-only\">Twitter<\/span><\/a><\/li><li class=\"ip-order-li\"><a href=\"https:\/\/www.linkedin.com\/shareArticle?url=https:\/\/www.capgemini.com\/?post_type=research-and-insight&amp;p=835951&amp;text=World%20Payments%20Report%202022\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"Ouvrir dans une nouvelle fen\u00eatre\"><i aria-hidden=\"true\" class=\"icon-li\"><\/i><span class=\"sr-only\">Linkedin<\/span><\/a><\/li><\/ul><\/nav><\/div><div class=\"col-12 col-md-11 col-lg-10\"><div class=\"article-text article-quote-text\">\n<h2 class=\"wp-block-heading\" id=\"h-transformer-les-defis-du-secteur-en-avantage-concurrentiel-durable\">Transformer les d\u00e9fis du secteur en avantage concurrentiel durable<\/h2>\n\n\n\n<p>En 2025, de nouvelles tendances red\u00e9finissent le paysage du secteur de l&#8217;assurance dommages. La derni\u00e8re \u00e9tude de Capgemini identifie trois domaines centraux autour desquels l&#8217;avenir du secteur de l&#8217;assurance IARD \u00e9voluera :<\/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, en mettant l&#8217;accent sur les interactions omnicanales et la valeur per\u00e7ue des produits et services.<\/li>\n\n\n\n<li><strong>Enterprise management<\/strong> explore la fa\u00e7on dont les entreprises peuvent faire \u00e9voluer leurs processus, leurs \u00e9quipes, leurs solutions et leurs op\u00e9rations pour am\u00e9liorer l&#8217;agilit\u00e9 et l&#8217;efficacit\u00e9 op\u00e9rationnelle tout en optimisant le co\u00fbt de leur activit\u00e9.<\/li>\n\n\n\n<li><strong>Intelligent industry<\/strong> couvre la transformation digitale et les solutions que les assureurs mettent en \u0153uvre pour offrir des exp\u00e9riences digitales de bout en bout transformant l&#8217;ensemble de leur cha\u00eene de valeur.<\/li>\n<\/ul>\n\n\n\n<p>L&#8217;utilisation de technologies telles que l&#8217;IA et les outils d&#8217;analyse de donn\u00e9es devient plus courante. Les assureurs doivent en tirer parti pour rationaliser les processus, optimiser les co\u00fbts et s\u2019adapter \u00e0 un environnement de march\u00e9 complexe. Nos trois domaines couvrent la r\u00e9ponse du secteur de l&#8217;assurance IARD aux d\u00e9fis, et abordent la mani\u00e8re dont les assureurs pr\u00e9voient de saisir les opportunit\u00e9s afin d\u2019\u00eatre davantage centr\u00e9s sur le client, plus efficaces et plus innovants.<\/p>\n\n\n\n<p>Ce rapport des tendances offre une vue d&#8217;ensemble des 10 principales tendances du secteur de l&#8217;assurance IARD qui auront un impact sur les organisations en 2025. Il donne un aper\u00e7u de la mani\u00e8re dont les assureurs peuvent am\u00e9liorer leurs op\u00e9rations, r\u00e9pondre aux exigences croissantes des assur\u00e9s et stimuler la croissance.<\/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_PC-Insurance-3.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>Explorez les tendances qui influenceront le secteur de l&#8217;assurance IARD et \u00e9tabliront de nouvelles r\u00e9f\u00e9rences en mati\u00e8re d&#8217;efficacit\u00e9, d&#8217;innovation et de valeur pour le client.<\/p><\/div><div class=\"section-content\">\n<div class=\"wp-block-cg-blocks-card-howwedoit expanders\"><div class=\"box card-regulated-agreements card-howwedoit\"><div class=\"expander-box filter-box tag-active \"><div class=\"expander-title\" tabindex=\"0\" role=\"button\" aria-pressed=\"false\" aria-expanded=\"false\"><h3 class=\"expander-heading-title\">Customer first<\/h3><\/div><div class=\"expander-content\"><p><strong>Centricit\u00e9 client<\/strong><br>L&#8217;engagement et la fid\u00e9lisation des clients sont plus pr\u00e9cieux que jamais. L&#8217;\u00e9volution des attentes des assur\u00e9s, les co\u00fbts \u00e9lev\u00e9s d&#8217;acquisition des clients et la disponibilit\u00e9 accrue des donn\u00e9es obligent les assureurs \u00e0 transformer les exp\u00e9riences qu\u2019ils proposent \u00e0 leurs clients vers plus de transparence et de personnalisation pour d\u00e9velopper leur multi-\u00e9quipement.<br><strong>Faire face \u00e0 l&#8217;\u00e9volution du paysage de risques<\/strong><br>Ces derni\u00e8res ann\u00e9es, la priorit\u00e9 donn\u00e9e \u00e0 l&#8217;augmentation des primes a permis de maintenir les r\u00e9sultats techniques en jouant sur la stabilit\u00e9 financi\u00e8re, la capacit\u00e9 \u00e0 payer les sinistres et la performance globale des portefeuilles d&#8217;assurance.\u00a0 Dans un contexte o\u00f9 les d\u00e9fis d\u2019assurabilit\u00e9 se posent, les assureurs doivent adapter leurs op\u00e9rations en augmentant les investissements dans l\u2019automatisation, les outils digitaux et l\u2019optimisation des processus.<\/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>Une souscription simplifi\u00e9e, dop\u00e9e par la data<\/strong><br>La rationalisation des proc\u00e9dures de souscription est essentielle pour s&#8217;adapter \u00e0 l&#8217;\u00e9volution du paysage de l&#8217;assurance. Ces processus vont permettre un acc\u00e8s en temps r\u00e9el aux donn\u00e9es sur une plateforme unifi\u00e9e, facilitant la prise de d\u00e9cisions et l&#8217;automatisation des t\u00e2ches routini\u00e8res afin d&#8217;am\u00e9liorer l&#8217;efficacit\u00e9 op\u00e9rationnelle.<br><strong>Tarification \u00e0 grande vitesse<\/strong><br>Les assureurs multirisques vont favoriser les mod\u00e8les de risque avanc\u00e9s et les donn\u00e9es climatiques et de march\u00e9 en temps r\u00e9el pour faire face \u00e0 la volatilit\u00e9 des risques et au besoin accru de tarification diff\u00e9renci\u00e9e. Ils b\u00e9n\u00e9ficieront ainsi de nouvelles opportunit\u00e9s tout en g\u00e9rant plus efficacement l&#8217;exposition au risque.<br><strong>Prise en charge des co\u00fbts<\/strong><br>Les assureurs multirisques continuent de faire face \u00e0 une augmentation de la s\u00e9v\u00e9rit\u00e9 et de la charge sinistre, ce qui fait de la r\u00e9duction des co\u00fbts l&#8217;une des principales priorit\u00e9s du secteur. En 2025, les assureurs visent \u00e0 mettre en \u0153uvre l&#8217;automatisation et la digitalisation afin d&#8217;am\u00e9liorer l&#8217;efficacit\u00e9 op\u00e9rationnelle et leur rentabilit\u00e9.<br><strong>Engagement des courtiers et des agents<\/strong><br>Les courtiers et les agents jouent un r\u00f4le essentiel dans le secteur de l&#8217;assurance dommages. Les assureurs IARD investissent massivement dans des outils d&#8217;analyse digitaux tels que les OAV, CRM, syst\u00e8mes de tarification et gestion des polices, les solutions de traitement des sinistres et les plateformes d&#8217;analyse des donn\u00e9es. L\u2019objectif est d\u2019aider les agents \u00e0 am\u00e9liorer l&#8217;engagement des assur\u00e9s gr\u00e2ce \u00e0 des conseils et des solutions personnalis\u00e9es.<\/p><div class=\"bg-color video-align-right\"><div class=\"container\"><div class=\"row video-align-left\"><div class=\"col-md-12\"><div class=\"video-align-left row box box--4 box--mini\"><div class=\"col-md-3\"><\/div><div class=\"col-md-8 box-img-wrapper\"><div class=\"video-box\"><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"content-more\"><\/div><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-cg-blocks-card-howwedoit expanders\"><div class=\"box card-regulated-agreements card-howwedoit\"><div class=\"expander-box filter-box tag-active \"><div class=\"expander-title\" tabindex=\"0\" role=\"button\" aria-pressed=\"false\" aria-expanded=\"false\"><h3 class=\"expander-heading-title\">Intelligent industry<\/h3><\/div><div class=\"expander-content\"><p><strong>L&#8217;automation des processus<\/strong><br>Les assureurs IARD voient d\u00e9sormais le potentiel de l&#8217;IA et de l&#8217;IA g\u00e9n\u00e9rative. Les nouveaux cas d\u2019usage, tant pour les employ\u00e9s que leurs clients, arrivent en t\u00eate de liste des pr\u00e9occupations des assureurs. Les investissements dans l&#8217;IA continuent d&#8217;augmenter, en particulier pour am\u00e9liorer la d\u00e9couverte client, la qualit\u00e9 de la souscription, ou encore le traitement des demandes d&#8217;indemnisation.<br><strong>Une s\u00e9curit\u00e9 renforc\u00e9e<\/strong><br>La cybers\u00e9curit\u00e9 reste une priorit\u00e9 pour les assureurs dommages. Bien que les assureurs d&#8217;aujourd&#8217;hui aient mis en place de nombreux garde-fous, des menaces plus complexes am\u00e8nent de nouveaux risques. En 2025, l&#8217;augmentation des investissements dans les solutions et protocoles de s\u00e9curit\u00e9 avanc\u00e9s sera une tendance majeure de l&#8217;industrie de l&#8217;assurance IARD.<br><strong>La valorisation des donn\u00e9es<\/strong><br>L\u2019exploitation des donn\u00e9es est une opportunit\u00e9 pour les assureurs d&#8217;offrir aux clients une meilleure exp\u00e9rience. La mise en place d\u2019infrastructures de donn\u00e9es, offrant scalabilit\u00e9, agilit\u00e9 et un acc\u00e8s aux donn\u00e9es en temps r\u00e9el, est indispensable pour am\u00e9liorer l&#8217;\u00e9valuation des risques et la prise de d\u00e9cision.<br><strong><strong>Des march\u00e9s de niche pour l&#8217;innovation<\/strong><\/strong><br>Les assureurs IARD saisissent les opportunit\u00e9s offertes par les march\u00e9s de niche. P\u00e9n\u00e9trer rapidement ces secteurs \u00e9mergents, diversifier les risques, r\u00e9duire la d\u00e9pendance \u00e0 l&#8217;\u00e9gard des branches traditionnelles et acc\u00e9l\u00e9rer la mise sur le march\u00e9 est un moteur de d\u00e9veloppement. L&#8217;entr\u00e9e sur de nouveaux march\u00e9s permettra aux assureurs de saisir des opportunit\u00e9s \u00e0 forte marge, d&#8217;offrir des solutions compl\u00e8tes et de diversifier les sources de revenus.<\/p><div class=\"bg-color video-align-right\"><div class=\"container\"><div class=\"row video-align-left\"><div class=\"col-md-12\"><div class=\"video-align-left row box box--4 box--mini\"><div class=\"col-md-3\"><\/div><div class=\"col-md-8 box-img-wrapper\"><div class=\"video-box\"><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"content-more\"><\/div><\/div><\/div><\/div><\/div>\n<\/div><\/div><\/section>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-conclusion\"><strong>Conclusion<\/strong><\/h2>\n\n\n\n<p>L&#8217;\u00e9volution des attentes des clients, les progr\u00e8s technologiques et la transformation du paysage des risques entra\u00eenent des changements rapides dans le secteur de l&#8217;assurance dommages en 2025. Au c\u0153ur de ce changement se trouve l&#8217;innovation centr\u00e9e sur le client (particulier ou entreprise), gr\u00e2ce \u00e0 laquelle les assureurs am\u00e9liorent l\u2019exp\u00e9rience et enrichissent les offres pour r\u00e9pondre aux attentes des assur\u00e9s. Les entreprises qui r\u00e9ussiront seront celles qui investiront davantage dans les technologies pour rationaliser leurs processus. Enfin, le d\u00e9veloppement de mod\u00e8les de risque en temps r\u00e9el, les plateformes de donn\u00e9es et les syst\u00e8mes de s\u00e9curit\u00e9 robustes feront \u00e9galement l&#8217;objet d&#8217;investissements en 2025, les entreprises s&#8217;effor\u00e7ant d&#8217;am\u00e9liorer la personnalisation et s\u00e9curiser leurs op\u00e9rations.<\/p>\n\n\n\n<p>En adoptant la transformation num\u00e9rique et la centricit\u00e9 client, les assureurs IARD exploiteront de nouvelles opportunit\u00e9s, r\u00e9pondront aux exigences r\u00e9glementaires et obtiendront un succ\u00e8s durable dans un paysage en constante \u00e9volution.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-transformez-votre-activite-d-assurance-iard-grace-a-l-expertise-de-capgemini\">Transformez votre activit\u00e9 d&#8217;assurance IARD gr\u00e2ce \u00e0 l&#8217;expertise de Capgemini<\/h2>\n\n\n\n<p>Capgemini est le partenaire de confiance pour les assureurs qui cherchent \u00e0 tirer parti des technologies de pointe pour rester comp\u00e9titives sur un march\u00e9 en constante \u00e9volution. Nos solutions technologiques permettent aux assureurs d&#8217;am\u00e9liorer leurs op\u00e9rations, de r\u00e9duire leurs co\u00fbts et d&#8217;am\u00e9liorer l&#8217;\u00e9valuation des risques. 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\u2019excellence 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\u2019hui pour d\u00e9couvrir comment nous pouvons vous accompagner au sein du secteur dynamique de l&#8217;assurance IARD.<\/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_772953_3556723906\" 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_270988684\" name=\"_mf_729746_5053\" placeholder=\"Pr\u00e9nom\" required \/><label for=\"_mf_729746_5053_270988684\" 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_4215999905\" name=\"_mf_729746_9577\" placeholder=\"Nom\" required \/><label for=\"_mf_729746_9577_4215999905\" 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_4289107181\" name=\"_mf_729746_5066\" placeholder=\"Email\" required \/><label for=\"_mf_729746_5066_4289107181\" 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_298167163\" name=\"_mf_729746_5511\" placeholder=\"Entreprise\" required \/><label for=\"_mf_729746_5511_298167163\" 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_2013597213\" name=\"_mf_729746_8443\" placeholder=\"Fonction\" required \/><label for=\"_mf_729746_8443_2013597213\" 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_752021711\" name=\"_mf_729746_4975\" placeholder=\"Pays\" required \/><label for=\"_mf_729746_4975_752021711\" 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_3761474563\" name=\"_mf_772827_9445\" placeholder=\"Commentaires\" required \/><label for=\"_mf_772827_9445_3761474563\" 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_4071164705\" 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_4071164705\" 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=\"772953\" \/>\n\t\t\t\t<input type=\"hidden\" name=\"form_title\" class=\"mf_form__title\" value=\"top-trends-assurance-iard\" \/>\n\t\t\t\t<input type=\"hidden\" name=\"wp_rest_nonce\" class=\"mf_form__wp_rest_nonce\" value=\"3c759546e9\" \/>\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_CONFIG772953 = {\"772953\":{\"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\/NewPic-Thierry-Loras-FS-2.jpg\" alt=\"Thierry Loras\"\/>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"col-md-6 col-lg-8 box-inner\">\n\t\t\t\t\t\t<div class=\"row title-social-media-header\">\n\t\t\t\t\t\t\t<div class=\"col-md-12 col-lg-6 mbl-social-icon\">\n\t\t\t\t\t\t\t\t<ul class=\"social-nav\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li><a aria-label=\"Linkedin\" target=\"_blank\" title=\"Ouvrir dans une nouvelle fen\u00eatre\" href=\"https:\/\/www.linkedin.com\/in\/thierryloras\/\"><i aria-hidden=\"true\" class=\"icon-li\"><\/i><\/a><\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"col-md-12 col-lg-6 box-container\">\n\t\t\t\t\t\t\t\t<div class=\"box-title\">\n\t\t\t\t\t\t\t\t\t<h3 class=\"people-profile-title\">Thierry Loras<\/h3>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span>Head of Insurance Practice for Continental Europe, Capgemini<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"col-md-12 col-lg-6 social-box-container dkt-social-icon\">\n\t\t\t\t\t\t\t\t<ul class=\"social-nav\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li><a aria-label=\"Linkedin\" target=\"_blank\" title=\"Ouvrir dans une nouvelle fen\u00eatre\" href=\"https:\/\/www.linkedin.com\/in\/thierryloras\/\"><i aria-hidden=\"true\" class=\"icon-li\"><\/i><\/a><\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"people-info\">Dipl\u00f4m\u00e9 d\u2019un Mast\u00e8re de strat\u00e9gie et management IT \u00e0 ESCP Europe en 1994, Thierry d\u00e9bute sa carri\u00e8re chez Accenture avant de rejoindre AXA en 2005 o\u00f9 il occupera des postes de Directeur de programme, Directeur des syst\u00e8mes Finance, Risk, Investissement et Achats pour le groupe et DSI de la ligne de m\u00e9tier Vie-\u00e9pargne-pr\u00e9voyance jusqu\u2019en 2018. En 2018, Thierry int\u00e8gre Capgemini FS en tant que Vice President en charge de la Practice Assurance pour la France avant d\u2019\u00e9tendre son p\u00e9rim\u00e8tre sur l\u2019Europe Continentale. Thierry met son exp\u00e9rience de delivery, de management et du monde de l\u2019Assurance au service de la transformation m\u00e9tier, digitale, et data de nos clients du secteur.\u00a0<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\n\n\t\t<div class=\"slide\">\n\t\t\t<div class=\"box\">\n\t\t\t\t<div class=\"row\">\n\t\t\t\t\t<div class=\"col-md-6 col-lg-4 box-img-wrapper\">\n\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2022\/04\/elias-ghanem_new-1.jpg\" alt=\"Elias Ghanem\"\/>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"col-md-6 col-lg-8 box-inner\">\n\t\t\t\t\t\t<div class=\"row title-social-media-header\">\n\t\t\t\t\t\t\t<div class=\"col-md-12 col-lg-6 mbl-social-icon\">\n\t\t\t\t\t\t\t\t<ul class=\"social-nav\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li><a aria-label=\"Linkedin\" target=\"_blank\" title=\"Ouvrir dans une nouvelle fen\u00eatre\" href=\"https:\/\/www.linkedin.com\/in\/eliasghanemfintech\/\"><i aria-hidden=\"true\" class=\"icon-li\"><\/i><\/a><\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"col-md-12 col-lg-6 box-container\">\n\t\t\t\t\t\t\t\t<div class=\"box-title\">\n\t\t\t\t\t\t\t\t\t<h3 class=\"people-profile-title\">Elias Ghanem<\/h3>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span>Global Head of Capgemini Research Institute for Financial Services, Capgemini<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"col-md-12 col-lg-6 social-box-container dkt-social-icon\">\n\t\t\t\t\t\t\t\t<ul class=\"social-nav\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li><a aria-label=\"Linkedin\" target=\"_blank\" title=\"Ouvrir dans une nouvelle fen\u00eatre\" href=\"https:\/\/www.linkedin.com\/in\/eliasghanemfintech\/\"><i aria-hidden=\"true\" class=\"icon-li\"><\/i><\/a><\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"people-info\">Elias\u00a0est le\u00a0Directeur mondial du Capgemini Research Institute pour le secteur financier. Il est responsable des publications, positionnement et prise de parole du groupe quant \u00e0 l\u2019\u00e9volution du secteur financier. Elias est un\u00a0expert en paiements, avec plus de 20 ans d&#8217;exp\u00e9rience chez\u00a0VISA,\u00a0PayPal\u00a0et\u00a0Telr, une PayTech qu\u2019il a co-fond\u00e9e en 2013. Il est un expert, un conf\u00e9rencier, un blogueur et un conseiller pour les CXO de la banque priv\u00e9e, banque de d\u00e9tail et de paiements.<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div><\/div><\/div><div class=\"slider-nav\"><button class=\"slider-prev inactive\" aria-label=\"Curseur pr\u00e9c\u00e9dent\" tabindex=\"-1\"><\/button><ul class=\"slider-paginator\"><\/ul><button class=\"slider-next\" aria-label=\"Curseur suivant\"><\/button><\/div><\/div><\/section>\n\n\n\n\t\t<section\n\t\t\tclass=\"section section--lifeatcap-learning section--event-slider-careerInvent \">\n\n\t\t\t<div class=\"container\">\n\t\t\t\t<div class='career-invent-header'>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"slider slider-fader e58f71b7-2c26-441d-9fba-044f2f9b65ec\">\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 - Assurance\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tTop trends 2025 &#8211; Assurance\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 de l'assurance.\"\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 de l&#8217;assurance.\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 - Assurance\"\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-2025-assurance\/\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\ttarget=\"\">\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\/Insurance_Capcom-Banner_2880x1800px.jpg?w=1200&amp;quality=90 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/12\/Insurance_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\/Insurance_Capcom-Banner_2880x1800px.jpg?w=600&amp;quality=90 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/12\/Insurance_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\/Insurance_Capcom-Banner_2880x1800px.jpg?w=400&amp;quality=90 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/12\/Insurance_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\/Insurance_Capcom-Banner_2880x1800px.jpg?w=400&amp;quality=90 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/12\/Insurance_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\/Insurance_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_3674767912\" 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_4171030664\" name=\"_mf_722015_1837\" placeholder=\"Pr\u00e9nom\" required \/><label for=\"_mf_722015_1837_4171030664\" 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_2660135354\" name=\"_mf_722015_3050\" placeholder=\"Nom\" required \/><label for=\"_mf_722015_3050_2660135354\" 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_722015_1101_2428949107\" name=\"_mf_722015_1101\" placeholder=\"Email\" required \/><label for=\"_mf_722015_1101_2428949107\" 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_722015_85_2075712671\" name=\"_mf_722015_85\" placeholder=\"Entreprise\" required \/><label for=\"_mf_722015_85_2075712671\" 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_722015_4584_1792914584\" name=\"_mf_722015_4584\" placeholder=\"Fonction\" required \/><label for=\"_mf_722015_4584_1792914584\" 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_2765348027\" name=\"_mf_722015_836\" placeholder=\"Pays\" required \/><label for=\"_mf_722015_836_2765348027\" 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 checkbox-controls\">\n\n\t\t\t<input type=\"checkbox\" id=\"_mf_722015_4385_972690941\" 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_972690941\" 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=\"3c759546e9\" \/>\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 l&#8217;assurance IARD pour 2025. D\u00e9couvrez comment le secteur \u00e9volue gr\u00e2ce \u00e0 des innovations centr\u00e9es sur le client et \u00e0 des analyses de donn\u00e9es avanc\u00e9es.<\/p>\n","protected":false},"author":440,"featured_media":772542,"template":"","meta":{"cg_dt_proposed_to":[21,46,41],"cg_seo_hreflang_relations":"[]","cg_seo_canonical_relation":"","cg_seo_hreflang_x_default_relation":"{\"uuid\":\"8cd483bb-590c-4692-bd83-0fe38b6e603f\",\"blogId\":\"\",\"domain\":\"\",\"sitePath\":\"\",\"postLink\":\"\",\"postId\":null,\"isSaved\":true,\"isCrossLink\":false,\"hasCrossLink\":false}","cg_dt_approved_content":true,"cg_dt_mandatory_content":false,"cg_dt_notes":"","cg_dg_source_changed":true,"cg_dt_link_disabled":true,"footnotes":"","related_resource_url":"","related_resource_id":0,"related_resource_size":"","related_resource_type":"","cg_author":0,"_yoast_wpseo_primary_theme":59,"primary_term":"Services Financiers","featured_focal_points":""},"tags":[],"research-and-insight-type":[41,80],"theme":[59],"brand":[368],"service":[],"industry":[70],"partners":[],"content-group":[],"class_list":["post-772541","research-and-insight","type-research-and-insight","status-publish","has-post-thumbnail","hentry","research-and-insight-type-cri-report","research-and-insight-type-rapport","theme-services-financiers","brand-capgemini-research-institute","industry-assurance"],"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 - Assurance IARD<\/title>\n<meta name=\"description\" content=\"Explorez les tendances de l&#039;assurance IARD pour 2025. D\u00e9couvrez comment le secteur \u00e9volue gr\u00e2ce \u00e0 des innovations centr\u00e9es sur le client et \u00e0 des analyses de donn\u00e9es avanc\u00e9es.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.capgemini.com\/fr-fr\/perspectives\/publications\/top-trends-2025-assurance-iard\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Top trends 2025 - Assurance IARD\" \/>\n<meta property=\"og:description\" content=\"Explorez les tendances de l&#039;assurance IARD pour 2025. D\u00e9couvrez comment le secteur \u00e9volue gr\u00e2ce \u00e0 des innovations centr\u00e9es sur le client et \u00e0 des analyses de donn\u00e9es avanc\u00e9es.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.capgemini.com\/fr-fr\/perspectives\/publications\/top-trends-2025-assurance-iard\/\" \/>\n<meta property=\"og:site_name\" content=\"Capgemini France\" \/>\n<meta property=\"article:modified_time\" content=\"2025-12-04T00:56:09+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2025\/10\/image-1.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"627\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"7 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.capgemini.com\/fr-fr\/perspectives\/publications\/top-trends-2025-assurance-iard\/\",\"url\":\"https:\/\/www.capgemini.com\/fr-fr\/perspectives\/publications\/top-trends-2025-assurance-iard\/\",\"name\":\"Top trends 2025 - Assurance IARD\",\"isPartOf\":{\"@id\":\"https:\/\/www.capgemini.com\/fr-fr\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.capgemini.com\/fr-fr\/perspectives\/publications\/top-trends-2025-assurance-iard\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.capgemini.com\/fr-fr\/perspectives\/publications\/top-trends-2025-assurance-iard\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2025\/01\/PC-Landing-page-banner_2880x1800_06.jpg\",\"datePublished\":\"2025-01-13T08:00:00+00:00\",\"dateModified\":\"2025-12-04T00:56:09+00:00\",\"description\":\"Explorez les tendances de l'assurance IARD pour 2025. D\u00e9couvrez comment le secteur \u00e9volue gr\u00e2ce \u00e0 des innovations centr\u00e9es sur le client et \u00e0 des analyses de donn\u00e9es avanc\u00e9es.\",\"breadcrumb\":{\"@id\":\"https:\/\/www.capgemini.com\/fr-fr\/perspectives\/publications\/top-trends-2025-assurance-iard\/#breadcrumb\"},\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.capgemini.com\/fr-fr\/perspectives\/publications\/top-trends-2025-assurance-iard\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\/\/www.capgemini.com\/fr-fr\/perspectives\/publications\/top-trends-2025-assurance-iard\/#primaryimage\",\"url\":\"https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2025\/01\/PC-Landing-page-banner_2880x1800_06.jpg\",\"contentUrl\":\"https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2025\/01\/PC-Landing-page-banner_2880x1800_06.jpg\",\"width\":2880,\"height\":1800},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.capgemini.com\/fr-fr\/perspectives\/publications\/top-trends-2025-assurance-iard\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Research &amp; insights\",\"item\":\"https:\/\/www.capgemini.com\/fr-fr\/research-and-insight\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Top trends 2025 &#8211; Assurance IARD\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.capgemini.com\/fr-fr\/#website\",\"url\":\"https:\/\/www.capgemini.com\/fr-fr\/\",\"name\":\"Capgemini France\",\"description\":\"Just another www.capgemini.com site\",\"publisher\":{\"@id\":\"https:\/\/www.capgemini.com\/fr-fr\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.capgemini.com\/fr-fr\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"fr-FR\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.capgemini.com\/fr-fr\/#organization\",\"name\":\"Capgemini France\",\"url\":\"https:\/\/www.capgemini.com\/fr-fr\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\/\/www.capgemini.com\/fr-fr\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2022\/08\/Logo-Capgemini.png\",\"contentUrl\":\"https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2022\/08\/Logo-Capgemini.png\",\"width\":202,\"height\":60,\"caption\":\"Capgemini France\"},\"image\":{\"@id\":\"https:\/\/www.capgemini.com\/fr-fr\/#\/schema\/logo\/image\/\"}}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Top trends 2025 - Assurance IARD","description":"Explorez les tendances de l'assurance IARD pour 2025. D\u00e9couvrez comment le secteur \u00e9volue gr\u00e2ce \u00e0 des innovations centr\u00e9es sur le client et \u00e0 des analyses de donn\u00e9es avanc\u00e9es.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.capgemini.com\/fr-fr\/perspectives\/publications\/top-trends-2025-assurance-iard\/","og_locale":"fr_FR","og_type":"article","og_title":"Top trends 2025 - Assurance IARD","og_description":"Explorez les tendances de l'assurance IARD pour 2025. D\u00e9couvrez comment le secteur \u00e9volue gr\u00e2ce \u00e0 des innovations centr\u00e9es sur le client et \u00e0 des analyses de donn\u00e9es avanc\u00e9es.","og_url":"https:\/\/www.capgemini.com\/fr-fr\/perspectives\/publications\/top-trends-2025-assurance-iard\/","og_site_name":"Capgemini France","article_modified_time":"2025-12-04T00:56:09+00:00","og_image":[{"width":1200,"height":627,"url":"https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2025\/10\/image-1.jpg","type":"image\/jpeg"}],"twitter_card":"summary_large_image","twitter_misc":{"Est. reading time":"7 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.capgemini.com\/fr-fr\/perspectives\/publications\/top-trends-2025-assurance-iard\/","url":"https:\/\/www.capgemini.com\/fr-fr\/perspectives\/publications\/top-trends-2025-assurance-iard\/","name":"Top trends 2025 - Assurance IARD","isPartOf":{"@id":"https:\/\/www.capgemini.com\/fr-fr\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.capgemini.com\/fr-fr\/perspectives\/publications\/top-trends-2025-assurance-iard\/#primaryimage"},"image":{"@id":"https:\/\/www.capgemini.com\/fr-fr\/perspectives\/publications\/top-trends-2025-assurance-iard\/#primaryimage"},"thumbnailUrl":"https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2025\/01\/PC-Landing-page-banner_2880x1800_06.jpg","datePublished":"2025-01-13T08:00:00+00:00","dateModified":"2025-12-04T00:56:09+00:00","description":"Explorez les tendances de l'assurance IARD pour 2025. D\u00e9couvrez comment le secteur \u00e9volue gr\u00e2ce \u00e0 des innovations centr\u00e9es sur le client et \u00e0 des analyses de donn\u00e9es avanc\u00e9es.","breadcrumb":{"@id":"https:\/\/www.capgemini.com\/fr-fr\/perspectives\/publications\/top-trends-2025-assurance-iard\/#breadcrumb"},"inLanguage":"fr-FR","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.capgemini.com\/fr-fr\/perspectives\/publications\/top-trends-2025-assurance-iard\/"]}]},{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/www.capgemini.com\/fr-fr\/perspectives\/publications\/top-trends-2025-assurance-iard\/#primaryimage","url":"https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2025\/01\/PC-Landing-page-banner_2880x1800_06.jpg","contentUrl":"https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2025\/01\/PC-Landing-page-banner_2880x1800_06.jpg","width":2880,"height":1800},{"@type":"BreadcrumbList","@id":"https:\/\/www.capgemini.com\/fr-fr\/perspectives\/publications\/top-trends-2025-assurance-iard\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Research &amp; insights","item":"https:\/\/www.capgemini.com\/fr-fr\/research-and-insight\/"},{"@type":"ListItem","position":2,"name":"Top trends 2025 &#8211; Assurance IARD"}]},{"@type":"WebSite","@id":"https:\/\/www.capgemini.com\/fr-fr\/#website","url":"https:\/\/www.capgemini.com\/fr-fr\/","name":"Capgemini France","description":"Just another www.capgemini.com site","publisher":{"@id":"https:\/\/www.capgemini.com\/fr-fr\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.capgemini.com\/fr-fr\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"fr-FR"},{"@type":"Organization","@id":"https:\/\/www.capgemini.com\/fr-fr\/#organization","name":"Capgemini France","url":"https:\/\/www.capgemini.com\/fr-fr\/","logo":{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/www.capgemini.com\/fr-fr\/#\/schema\/logo\/image\/","url":"https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2022\/08\/Logo-Capgemini.png","contentUrl":"https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2022\/08\/Logo-Capgemini.png","width":202,"height":60,"caption":"Capgemini France"},"image":{"@id":"https:\/\/www.capgemini.com\/fr-fr\/#\/schema\/logo\/image\/"}}]}},"theme_term_info":[{"id":59,"name":"Services Financiers"}],"industry_term_info":[{"id":70,"name":"Assurance"}],"services_term_info":[],"partners_term_info":[],"brand_term_info":[{"id":368,"name":"Capgemini Research Institute","slug":"capgemini-research-institute"}],"brand_term":[{"id":368,"slug":"capgemini-research-institute"}],"parsely":{"version":"1.1.0","canonical_url":"https:\/\/capgemini.com\/fr-fr\/perspectives\/publications\/top-trends-2025-assurance-iard\/","smart_links":{"inbound":0,"outbound":0},"traffic_boost_suggestions_count":0,"meta":{"@context":"https:\/\/schema.org","@type":"NewsArticle","headline":"Top trends 2025 &#8211; Assurance IARD","url":"https:\/\/www.capgemini.com\/fr-fr\/perspectives\/publications\/top-trends-2025-assurance-iard\/","mainEntityOfPage":{"@type":"WebPage","@id":"https:\/\/www.capgemini.com\/fr-fr\/perspectives\/publications\/top-trends-2025-assurance-iard\/"},"thumbnailUrl":"https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2025\/01\/PC-Landing-page-banner_2880x1800_06.jpg?w=150&h=150&crop=1","image":{"@type":"ImageObject","url":"https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2025\/01\/PC-Landing-page-banner_2880x1800_06.jpg"},"articleSection":"Uncategorized","author":[],"creator":[],"publisher":{"@type":"Organization","name":"Capgemini France","logo":""},"keywords":[],"dateCreated":"2025-01-13T08:00:00Z","datePublished":"2025-01-13T08:00:00Z","dateModified":"2025-12-04T00:56:09Z"},"rendered":"<meta name=\"parsely-title\" content=\"Top trends 2025 &#8211; Assurance IARD\" \/>\n<meta name=\"parsely-link\" content=\"https:\/\/www.capgemini.com\/fr-fr\/perspectives\/publications\/top-trends-2025-assurance-iard\/\" \/>\n<meta name=\"parsely-type\" content=\"post\" \/>\n<meta name=\"parsely-image-url\" content=\"https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2025\/01\/PC-Landing-page-banner_2880x1800_06.jpg?w=150&amp;h=150&amp;crop=1\" \/>\n<meta name=\"parsely-pub-date\" content=\"2025-01-13T08:00:00Z\" \/>\n<meta name=\"parsely-section\" content=\"Uncategorized\" \/>","tracker_url":"https:\/\/cdn.parsely.com\/keys\/capgemini.com\/p.js"},"archive_status":false,"featured_image_src":"https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2025\/01\/PC-Landing-page-banner_2880x1800_06.jpg","featured_image_alt":"","jetpack_sharing_enabled":true,"distributor_meta":false,"distributor_terms":false,"distributor_media":false,"distributor_original_site_name":"Capgemini France","distributor_original_site_url":"https:\/\/www.capgemini.com\/fr-fr","push-errors":false,"tag_names":[],"featured_image_url":"https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2025\/01\/PC-Landing-page-banner_2880x1800_06.jpg","_links":{"self":[{"href":"https:\/\/www.capgemini.com\/fr-fr\/wp-json\/wp\/v2\/research-and-insight\/772541","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.capgemini.com\/fr-fr\/wp-json\/wp\/v2\/research-and-insight"}],"about":[{"href":"https:\/\/www.capgemini.com\/fr-fr\/wp-json\/wp\/v2\/types\/research-and-insight"}],"author":[{"embeddable":true,"href":"https:\/\/www.capgemini.com\/fr-fr\/wp-json\/wp\/v2\/users\/440"}],"version-history":[{"count":3,"href":"https:\/\/www.capgemini.com\/fr-fr\/wp-json\/wp\/v2\/research-and-insight\/772541\/revisions"}],"predecessor-version":[{"id":798136,"href":"https:\/\/www.capgemini.com\/fr-fr\/wp-json\/wp\/v2\/research-and-insight\/772541\/revisions\/798136"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.capgemini.com\/fr-fr\/wp-json\/wp\/v2\/media\/772542"}],"wp:attachment":[{"href":"https:\/\/www.capgemini.com\/fr-fr\/wp-json\/wp\/v2\/media?parent=772541"}],"wp:term":[{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.capgemini.com\/fr-fr\/wp-json\/wp\/v2\/tags?post=772541"},{"taxonomy":"research-and-insight-type","embeddable":true,"href":"https:\/\/www.capgemini.com\/fr-fr\/wp-json\/wp\/v2\/research-and-insight-type?post=772541"},{"taxonomy":"theme","embeddable":true,"href":"https:\/\/www.capgemini.com\/fr-fr\/wp-json\/wp\/v2\/theme?post=772541"},{"taxonomy":"brand","embeddable":true,"href":"https:\/\/www.capgemini.com\/fr-fr\/wp-json\/wp\/v2\/brand?post=772541"},{"taxonomy":"service","embeddable":true,"href":"https:\/\/www.capgemini.com\/fr-fr\/wp-json\/wp\/v2\/service?post=772541"},{"taxonomy":"industry","embeddable":true,"href":"https:\/\/www.capgemini.com\/fr-fr\/wp-json\/wp\/v2\/industry?post=772541"},{"taxonomy":"partners","embeddable":true,"href":"https:\/\/www.capgemini.com\/fr-fr\/wp-json\/wp\/v2\/partners?post=772541"},{"taxonomy":"content-group","embeddable":true,"href":"https:\/\/www.capgemini.com\/fr-fr\/wp-json\/wp\/v2\/content-group?post=772541"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}