{"id":792402,"date":"2024-09-10T15:45:00","date_gmt":"2024-09-10T13:45:00","guid":{"rendered":"https:\/\/www.capgemini.com\/fr-fr\/?post_type=research-and-insight&#038;p=792402"},"modified":"2025-12-04T01:57:46","modified_gmt":"2025-12-04T00:57:46","slug":"world-payments-report-2025-2","status":"publish","type":"research-and-insight","link":"https:\/\/www.capgemini.com\/fr-fr\/perspectives\/publications\/world-payments-report-2025\/","title":{"rendered":"World Payments Report 2025"},"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\/2023\/09\/WPR25_Landing-page-banner_2880x1800px-copy.jpg?w=2880&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/09\/WPR25_Landing-page-banner_2880x1800px-copy.jpg?w=2880&amp;quality=70 2x\" media=\"(min-width: 1500px)\"\/><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/09\/WPR25_Landing-page-banner_2880x1800px-copy.jpg?w=1440&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/09\/WPR25_Landing-page-banner_2880x1800px-copy.jpg?w=2880&amp;quality=70 2x\" media=\"(min-width: 992px)\"\/><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/09\/WPR25_Landing-page-banner_2880x1800px-copy.jpg?w=1024&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/09\/WPR25_Landing-page-banner_2880x1800px-copy.jpg?w=1024&amp;quality=70 2x\" media=\"(min-width: 768px)\"\/><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/09\/WPR25_Landing-page-banner_2880x1800px-copy.jpg?w=768&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/09\/WPR25_Landing-page-banner_2880x1800px-copy.jpg?w=768&amp;quality=70 2x\" media=\"(min-width: 0)\"\/><img decoding=\"async\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/09\/WPR25_Landing-page-banner_2880x1800px-copy.jpg\" class=\"header-img header-img-d\" alt=\"\" style=\"object-fit:cover;object-position:53% 56.00000000000001%\" 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><div class=\"box-title\"><h1 data-maxlength=\"34\">World Payments Report 2025<\/h1><\/div><h2 class=\"reasearchInsightTitle\">Velocity, meet value<br>Une longueur d&#8217;avance sur le futur des paiements ouverts et instantan\u00e9s<\/h2><div class=\"inner-row-insight download-btn\"><div class=\"col-md-4 downloadFiles addPadding\"><a class=\"button-download--small\" type=\"download\" href=\"https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2024\/09\/09_10_World-Payment-Report-2025-Press-Release_FR-1.pdf\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"Ouvrir dans une nouvelle fen\u00eatre\"><span>Le communiqu\u00e9 de presse<\/span><span class=\"type\">158 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<p>Le secteur mondial des paiements est en pleine mutation, les consommateurs privil\u00e9gient majoritairement les transactions num\u00e9riques au d\u00e9triment de l&#8217;argent liquide. Les r\u00e9glementations favorables et les innovations du secteur, en particulier la finance ouverte et les paiements instantan\u00e9s, jouent toutes deux un r\u00f4le cl\u00e9 dans cette transformation.<\/p>\n\n\n\n<p>Le World Payments Report 2025 f\u00eate son 20e anniversaire, cette \u00e9dition refl\u00e8te les points de vue de 600 responsables financiers d&#8217;entreprise issus de trois secteurs : l&#8217;assurance, le commerce de d\u00e9tail et l&#8217;automobile. Il comprend \u00e9galement des informations sur la gestion des paiements issues d&#8217;entretiens et d&#8217;enqu\u00eates cibl\u00e9s aupr\u00e8s de plus de 200 responsables des paiements de banques de premier plan (Tier I et Tier II), d&#8217;organisations de services financiers, de prestataires de services de paiement, d&#8217;associations sectorielles et de banques centrales repr\u00e9sentant toutes les r\u00e9gions du monde &#8211; les Am\u00e9riques, l&#8217;Europe et l&#8217;Asie-Pacifique\/Moyen-Orient. Les principales conclusions de l&#8217;\u00e9tude sont les suivantes :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Les banques doivent adopter une approche multi-plateforme des paiements, en prot\u00e9geant les flux d\u00e9j\u00e0 existants tout en explorant des services de paiements novateurs et instantan\u00e9s rendus accessibles par l&#8217;open finance.<\/li>\n\n\n\n<li>Les services actuels de transactions bancaires et de gestion de tr\u00e9sorerie pour les entreprises ne r\u00e9pondent pas aux attentes : les prestataires de services financiers doivent s&#8217;efforcer d&#8217;offrir des solutions de paiement et une visibilit\u00e9 des liquidit\u00e9s en temps r\u00e9el, tout en contribuant \u00e0 l&#8217;am\u00e9lioration de l&#8217;efficacit\u00e9 op\u00e9rationnelle<\/li>\n\n\n\n<li>Les ajustements tactiques mineurs doivent laisser place \u00e0 des changements strat\u00e9giques plus importants visant \u00e0 maintenir la comp\u00e9titivit\u00e9 et \u00e0 favoriser une croissance rentable \u00e0 long terme dans l&#8217;avenir des paiements.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-preparez-vous-a-une-revolution-des-paiements-instantanes\">Pr\u00e9parez-vous \u00e0 une r\u00e9volution des paiements instantan\u00e9s<\/h2>\n\n\n\n<p>Notre rapport propose des id\u00e9es et strat\u00e9gies pour aider les banques et les prestataires de services de paiement \u00e0 r\u00e9pondre aux attentes des clients, voire \u00e0 les d\u00e9passer, et \u00e0 accro\u00eetre leur rentabilit\u00e9 :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Int\u00e9grer \u00e0 la fois la finance ouverte et les paiements instantan\u00e9s tout en favorisant les synergies &#8211; construire l&#8217;analyse de rentabilit\u00e9 pour financer les investissements n\u00e9cessaires.<\/li>\n\n\n\n<li>L&#8217;agilit\u00e9 est primordiale, et les plateformes modulables bas\u00e9es sur le cloud offrent la flexibilit\u00e9 et l&#8217;\u00e9volutivit\u00e9 n\u00e9cessaires \u00e0 la transformation.<\/li>\n\n\n\n<li>D\u00e9velopper des propositions de valeur innovantes et adaptables, multi-produits et multi-rails, qui offrent une exp\u00e9rience sup\u00e9rieure aux clients.<\/li>\n<\/ul>\n\n\n\n<div class=\"wp-block-cg-blocks-cta-popin-form\"><section class=\"cta-popin-form-block\"><div class=\"container\"><div class=\"cta-popin-btn-wrapper cta-popin-btn-align-left\"><a class=\"cta-popin-btn  \" data-bs-toggle=\"modal\" data-bs-target=\"#cta-popin-9e6b4073-10cb-40c1-8e91-8a7a0c635bac\">T\u00e9l\u00e9charger le rapport<\/a><\/div><div class=\"call-to-action-block\"><div class=\"modal cta-frontend-modal-wrapper\" id=\"cta-popin-9e6b4073-10cb-40c1-8e91-8a7a0c635bac\"><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\/capgemini2020\/assets\/images\/logo.svg\" alt=\"logo\"\/><\/div><h4 class=\"form-title\">T\u00e9l\u00e9charger le rapport<\/h4>\t\t<div class=\"mf_forms__container \">\n\t\t\t\t\t\t\t\t<form id=\"mf_form_760863_2090126499\" 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_744802_2655_3101618142\" name=\"_mf_744802_2655\" placeholder=\"Pr\u00e9nom\" required \/><label for=\"_mf_744802_2655_3101618142\" 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_744802_3045_2441023194\" name=\"_mf_744802_3045\" placeholder=\"Nom\" required \/><label for=\"_mf_744802_3045_2441023194\" 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_744802_7975_1429795218\" name=\"_mf_744802_7975\" placeholder=\"Email\" required \/><label for=\"_mf_744802_7975_1429795218\" 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_744802_3679_1014176140\" name=\"_mf_744802_3679\" placeholder=\"Entreprise\" required \/><label for=\"_mf_744802_3679_1014176140\" 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_744802_5325_330931462\" name=\"_mf_744802_5325\" placeholder=\"Fonction\" required \/><label for=\"_mf_744802_5325_330931462\" 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>\t\t<div class=\"mf_field mf_field--country mf_field--select floating form-country-select-parent mf-required\">\n\n\t\t\t<label for=\"_mf_744802_7235_1231084299\" class=\"floating__label form-country-select-label\" data-content=\"Pays\">\n\t\t\t\t<span class=\"floating-label-content\">Pays<\/span>\n\t\t\t<\/label>\n\n\t\t\t<div class=\"select-wrap\">\n<i class=\"icon icon-zodiak-chevron-down\"><\/i>\n\t\t\t\t<select id=\"_mf_744802_7235_1231084299\" class=\"mf_field__input empty mf-country-selectbox form_country_select\" name=\"_mf_744802_7235\" data-validate=\"select\" required>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"\" >Pays<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AF\" >Afghanistan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ZA\" >Afrique du Sud<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AL\" >Albanie<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"DZ\" >Alg\u00e9rie<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"DE\" >Allemagne<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AD\" >Andorre<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AO\" >Angola<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AI\" >Anguilla<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AQ\" >Antarctique<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AG\" >Antigua-et-Barbuda<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AN\" >Antilles n\u00e9erlandaises<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SA\" >Arabie Saoudite<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AR\" >Argentine<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AM\" >Arm\u00e9nie<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AW\" >Aruba<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AU\" >Australie<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AT\" >Autriche<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AZ\" >Azerba\u00efdjan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BS\" >Bahamas<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BH\" >Bahre\u00efn<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BB\" >Barbade<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BE\" >Belgique<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BD\" >Bengladesh<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BM\" >Bermudes<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BT\" >Bhoutan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MM\" >Birmanie<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BY\" >Bi\u00e9lorussie<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BO\" >Bolivie<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BA\" >Bosnie Herz\u00e9govine<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BW\" >Bostwana<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BN\" >Brunei Darussalam<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BR\" >Br\u00e9sil<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BG\" >Bulgarie<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BF\" >Burkina Faso<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BI\" >Burundi<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BZ\" >B\u00e9lize<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BJ\" >B\u00e9nin<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KH\" >Cambodge<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CM\" >Cameroun<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CA\" >Canada<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CV\" >Cap-Vert<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CL\" >Chili<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CN\" >Chine<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CY\" >Chypre<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CO\" >Colombie<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KM\" >Comores<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CG\" >Congo<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CD\" >Congo, R\u00e9publique d\u00e9mocratique<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KR\" >Cor\u00e9e<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CR\" >Costa Rica<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"HR\" >Croatie<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CU\" >Cuba<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CI\" >C\u00f4te d&#039;Ivoire<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"DK\" >Danemark<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"DJ\" >Djibouti<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"DM\" >Dominique<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"EG\" >Egypte<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SV\" >El Salvador<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AE\" >Emirats arabes unis<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"EC\" >Equateur<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ER\" >Erythr\u00e9e<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ES\" >Espagne<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"EE\" >Estonie<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"US\" >Etats-Unis<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ET\" >Ethiopie<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"FJ\" >Fidji<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"FI\" >Finlande<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"FR\"  selected='selected'>France<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"RU\" >F\u00e9d\u00e9ration Russe<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GA\" >Gabon<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GM\" >Gambie<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GH\" >Ghana<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GI\" >Gibraltar<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GD\" >Grenade<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GL\" >Groenland<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GR\" >Gr\u00e8ce<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GP\" >Guadeloupe<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GU\" >Guam<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GT\" >Guatemala<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GG\" >Guernesey<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GN\" >Guin\u00e9e<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GQ\" >Guin\u00e9e \u00c9quatoriale<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GW\" >Guin\u00e9e-Bissau<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GY\" >Guyane<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GF\" >Guyane Fran\u00e7aise<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GE\" >G\u00e9orgie<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GS\" >G\u00e9orgie du Sud et \u00eele Sandwich.<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"HT\" >Ha\u00efti<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"HN\" >Honduras<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"HK\" >Hong Kong<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"HU\" >Hongrie<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BV\" >Ile Bouvet<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CX\" >Ile Christmas<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"HM\" >Ile Heard et \u00celes Mcdonald<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IM\" >Ile de Man<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AX\" >Iles Aland<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KY\" >Iles Ca\u00efmans<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CC\" >Iles Cocos (Keeling)<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CK\" >Iles Cook<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"FK\" >Iles Falkland (Malouines)<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"FO\" >Iles F\u00e9ro\u00e9<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MP\" >Iles Mariannes du Nord<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MH\" >Iles Marshall<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SB\" >Iles Salomon<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TC\" >Iles Turques-et-Ca\u00efques<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VG\" >Iles Vierges britanniques<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VI\" >Iles Vierges, \u00c9tats-Unis<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"UM\" >Iles p\u00e9riph\u00e9riques des \u00c9tats-Unis<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IN\" >Inde<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ID\" >Indon\u00e9sie<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IQ\" >Irak<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IR\" >Iran (R\u00e9publique islamique d)<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IE\" >Irlande<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IS\" >Islande<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IL\" >Isra\u00ebl<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IT\" >Italie<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"JM\" >Jama\u00efque<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"JP\" >Japon<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"JE\" >Jersey<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"JO\" >Jordanie<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KZ\" >Kazakhstan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KE\" >Kenya<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KG\" >Kirghizistan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KI\" >Kiribati<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KW\" >Koweit<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LA\" >Laos<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SC\" >Les Seychelles<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LS\" >Lesotho<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LV\" >Lettonie<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LB\" >Liban<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LR\" >Lib\u00e9ria<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LI\" >Liechtenstein<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LT\" >Lituanie<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LU\" >Luxembourg<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LY\" >Lybie<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MO\" >Macao<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MK\" >Mac\u00e9doine<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MG\" >Madagascar<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MY\" >Malaisie<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MW\" >Malawi<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MV\" >Maldives<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ML\" >Mali<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MT\" >Malte<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MA\" >Maroc<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MQ\" >Martinique<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MU\" >Maurice<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MR\" >Mauritanie<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"YT\" >Mayotte<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MX\" >Mexique<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"FM\" >Micron\u00e9sie, \u00c9tats f\u00e9d\u00e9r\u00e9s de<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MD\" >Moldavie<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MC\" >Monaco<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MN\" >Mongolie<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MS\" >Montserrat<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ME\" >Mont\u00e9n\u00e9gro<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MZ\" >Mozambique<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NA\" >Namibie<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NR\" >Nauru<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NI\" >Nicaragua<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NE\" >Niger<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NG\" >Nigeria<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NU\" >Niu\u00e9<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NF\" >Norfolk<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NO\" >Norv\u00e8ge<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NC\" >Nouvelle Cal\u00e9donie<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NZ\" >Nouvelle-Z\u00e9lande<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NP\" >N\u00e9pal<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"OM\" >Oman<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"UG\" >Ouganda<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"UZ\" >Ouzb\u00e9kistan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PK\" >Pakistan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PW\" >Palaos<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PA\" >Panama<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PG\" >Papouasie Nouvelle Guin\u00e9e<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PY\" >Paraguay<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NL\" >Pays-Bas<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PH\" >Philippines<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PN\" >Pitcairn<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PL\" >Pologne<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PF\" >Polyn\u00e9sie fran\u00e7aise<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PR\" >Porto Rico<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PT\" >Portugal<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PE\" >P\u00e9rou<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"QA\" >Qatar<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"RO\" >Roumanie<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GB\" >Royaume-Uni<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"RW\" >Rwanda<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"DO\" >R\u00e9publique Dominicaine<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SY\" >R\u00e9publique arabe syrienne<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CF\" >R\u00e9publique centrafricaine<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CZ\" >R\u00e9publique tch\u00e8que<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"RE\" >R\u00e9union<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"EH\" >Sahara occidental<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BL\" >Saint Barth\u00e9lemy<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SM\" >Saint Marin<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MF\" >Saint Martin<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KN\" >Saint-Christophe-et-Ni\u00e9v\u00e8s<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PM\" >Saint-Pierre-et-Miquelon<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VA\" >Saint-Si\u00e8ge (\u00c9tat de la Cit\u00e9 du Vatican)<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VC\" >Saint-Vincent-et-les Grenadines<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SH\" >Sainte-H\u00e9l\u00e8ne<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LC\" >Sainte-Lucie<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"WS\" >Samoa<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AS\" >Samoa am\u00e9ricaines<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ST\" >Sao Tom\u00e9 et Principe<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"RS\" >Serbie<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SL\" >Sierra Leone<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SG\" >Singapour<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SK\" >Slovaquie<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SI\" >Slov\u00e9nie<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SO\" >Somalie<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SD\" >Soudan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LK\" >Sri Lanka<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CH\" >Suisse<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SR\" >Suriname<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SE\" >Su\u00e8de<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SJ\" >Svalbard et Jan Mayen<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SZ\" >Swaziland<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SN\" >S\u00e9n\u00e9gal<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TJ\" >Tadjikistan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TZ\" >Tanzanie<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TW\" >Ta\u00efwan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TD\" >Tchad<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TF\" >Terres australes fran\u00e7aises<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IO\" >Territoire britannique de l&#039;oc\u00e9an Indien<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PS\" >Territoire palestinien occup\u00e9<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TH\" >Tha\u00eflande<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TL\" >Timor oriental<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TG\" >Togo<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TK\" >Tok\u00e9laou<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TO\" >Tonga<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TT\" >Trinit\u00e9-et-Tobago<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TN\" >Tunisie<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TM\" >Turkm\u00e9nistan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TR\" >Turquie<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TV\" >Tuvalu<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"UA\" >Ukraine<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"UY\" >Uruguay<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VU\" >Vanuatu<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VE\" >Venezuela<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VN\" >Vietnam<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"WF\" >Wallis et Futuna<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"YE\" >Y\u00e9men<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ZM\" >Zambie<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ZW\" >Zimbabwe<\/option>\n\t\t\t\t\t\t\t\t\t<\/select>\n\n\t\t\t\t<div class=\"invalid-feedback-frm\" role=\"alert\">Pays n&#039;est pas valide<\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<script type=\"text\/javascript\">\n            jQuery(document).ready(function($) {\n                $('.mf_form__form').each(function() {\n                    var $form = $(this); \/\/ This specific form instance\n\n                    \/\/ Find the country select in this form\n                    $form.find('.form_country_select').each(function() {\n                        var $select = $(this);\n\t\t\t\t\t\tvar clickCount = 0;\n                        \/\/ On change\n                        $select.on('click', function() 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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=\"760863\" \/>\n\t\t\t\t<input type=\"hidden\" name=\"form_title\" class=\"mf_form__title\" value=\"formulaire-world-payments-report-2025\" \/>\n\t\t\t\t<input type=\"hidden\" name=\"wp_rest_nonce\" class=\"mf_form__wp_rest_nonce\" value=\"0066098e0b\" \/>\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\t<h3 style=\"text-align: center\">Merci de l\u2019int\u00e9r\u00eat que vous portez \u00e0 notre rapport World Payments Report 2025.<\/h3><br><h3 style=\"text-align: center\"><a href=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/09\/WPR_2025_web.pdf\">T\u00e9l\u00e9chargez-le, d\u00e8s maintenant.<\/a><\/h3><br><h3 style=\"text-align: center\">A bient\u00f4t<\/h3><\/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_CONFIG760863 = {\"760863\":{\"errors\":[],\"redirect\":\"\"}};\n\t\t<\/script>\n\t<\/div><\/div><\/div><\/div><\/div><\/div><\/section><\/div>\n<\/div><\/div><\/div><\/div><\/div><\/section>\n\n\n<section class=\"latest-insights layout-even layout-even-all-purple-cards \"><div class=\"container\"><div class=\"insight-title\"><h2 class=\"latest-insight-title\">Publications associ\u00e9es<\/h2><\/div><div class=\"layout-two-card cards-normal\">\n                                <div class=\"row align-items-center\"><div class=\"card-image-wrapper\">\n                                <div class=\"card-image\" data-image-url=\"https:\/\/www.capgemini.com\/fr-fr\/perspectives\/publications\/world-retail-banking-report-2024\/\">\n\t\t\t\t\t\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\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2024\/03\/WRBR_2024_Banner_2800X1800.jpg?w=800&#038;quality=70 1x, https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2024\/03\/WRBR_2024_Banner_2800X1800.jpg?w=800&#038;quality=70 2x\"\n\t\t\t\t\t\t\t\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\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2024\/03\/WRBR_2024_Banner_2800X1800.jpg?w=800&#038;quality=70 1x, https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2024\/03\/WRBR_2024_Banner_2800X1800.jpg?w=800&#038;quality=70 2x\"\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\tmedia=\"(min-width: 992px)\"\/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2024\/03\/WRBR_2024_Banner_2800X1800.jpg?w=800&#038;quality=70 1x, https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2024\/03\/WRBR_2024_Banner_2800X1800.jpg?w=800&#038;quality=70 2x\"\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\tmedia=\"(min-width: 768px)\"\/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2024\/03\/WRBR_2024_Banner_2800X1800.jpg?w=350&#038;quality=70 1x, https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2024\/03\/WRBR_2024_Banner_2800X1800.jpg?w=700&#038;quality=70 2x\"\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\tmedia=\"(min-width: 0)\"\/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2024\/03\/WRBR_2024_Banner_2800X1800.jpg\" alt=\"\" style=\"object-position: 50% 50%; object-fit: cover;\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/picture>\n                                <\/div>\n                            <\/div><div class=\"col-12 col-lg-4 d-md-none d-lg-block\"><\/div><div class=\"col-12 col-md-6 col-lg-4\">\n                           <a href=\"https:\/\/www.capgemini.com\/fr-fr\/perspectives\/publications\/world-retail-banking-report-2024\/\" aria-label=\"World Retail Banking Report 2024\" class=\"card-link-holder\">\n                            <div class=\"insight-card insight-card-center\">\n                                <div class=\"card-tag\">Capgemini Research Institute<\/div>\n                                <h3 class=\"card-title\">World Retail Banking Report 2024<\/h3>\n                                <div class=\"insight-card-footer\">\n                                    <img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/fr-fr\/wp-content\/themes\/capgemini2025\/assets\/images\/capgemini-research-institute.svg\" alt=\"capgemini-research-institute\" class=\"light\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/fr-fr\/wp-content\/themes\/capgemini2025\/assets\/images\/capgemini-research-institute-white.svg\" alt=\"capgemini-research-institute\" class=\"dark\">\n                                <\/div>\n                            <\/div>\n                            <\/a>\n                        <\/div>\n                    <div class=\"col-12 col-md-6 col-lg-4\">\n                            <a href=\"https:\/\/www.capgemini.com\/fr-fr\/perspectives\/publications\/technovision-2024-services-financiers\/\" aria-label=\"TechnoVision 2024 : services financiers\" class=\"card-link-holder\">\n                            <div class=\"insight-card insight-card-start\">\n                                <div class=\"card-tag\">Rapport<\/div>\n                                <h3 class=\"card-title\">TechnoVision 2024 : services financiers<\/h3>\n                                <div class=\"insight-card-footer\">\n                                    <img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/fr-fr\/wp-content\/themes\/capgemini2025\/assets\/images\/capgemini-white.svg\" alt=\"capgemini\" class=\"light\">\n                                    <img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/fr-fr\/wp-content\/themes\/capgemini2025\/assets\/images\/capgemini-white.svg\" alt=\"capgemini\" class=\"dark\">\n                                <\/div>\n                            <\/div>\n                            <\/a>\n                        <\/div>\n                    <\/div>\n                    <\/div><div class=\"layout-two-card cards-reversed\">\n                                <div class=\"row align-items-center\"><div class=\"card-image-wrapper\">\n                                <div class=\"card-image\" data-image-url=\"https:\/\/www.capgemini.com\/fr-fr\/perspectives\/publications\/world-wealth-report\/\">\n\t\t\t\t\t\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\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2025\/05\/WWR_Webpage_2880x1800.jpg?w=800&#038;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2025\/05\/WWR_Webpage_2880x1800.jpg?w=800&#038;quality=70 2x\"\n\t\t\t\t\t\t\t\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\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2025\/05\/WWR_Webpage_2880x1800.jpg?w=800&#038;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2025\/05\/WWR_Webpage_2880x1800.jpg?w=800&#038;quality=70 2x\"\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\tmedia=\"(min-width: 992px)\"\/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2025\/05\/WWR_Webpage_2880x1800.jpg?w=800&#038;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2025\/05\/WWR_Webpage_2880x1800.jpg?w=800&#038;quality=70 2x\"\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\tmedia=\"(min-width: 768px)\"\/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2025\/05\/WWR_Webpage_2880x1800.jpg?w=350&#038;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2025\/05\/WWR_Webpage_2880x1800.jpg?w=700&#038;quality=70 2x\"\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\tmedia=\"(min-width: 0)\"\/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2025\/05\/WWR_Webpage_2880x1800.jpg\" alt=\"\" style=\"object-position: 50% 50%; object-fit: cover;\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/picture>\n                                <\/div>\n                            <\/div><div class=\"col-12 col-md-6 col-lg-4 flex-sm-order-reverse\">\n                            <a href=\"https:\/\/www.capgemini.com\/fr-fr\/perspectives\/publications\/top-trends-payments-2024\/\" aria-label=\"Top trends Payments 2024\" class=\"card-link-holder\">\n                            <div class=\"insight-card insight-card-start\">\n                                <div class=\"card-tag\">Rapport<\/div>\n                                <h3 class=\"card-title\">Top trends Payments 2024<\/h3>\n                                <div class=\"insight-card-footer\">\n                                    <img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/fr-fr\/wp-content\/themes\/capgemini2025\/assets\/images\/capgemini-white.svg\" alt=\"capgemini\" class=\"light\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/fr-fr\/wp-content\/themes\/capgemini2025\/assets\/images\/capgemini-white.svg\" alt=\"capgemini\" class=\"dark\">\n                                <\/div>\n                            <\/div>\n                            <\/a>\n                        <\/div>\n                    <div class=\"col-12 col-md-6 col-lg-4\">\n                           <a href=\"https:\/\/www.capgemini.com\/fr-fr\/perspectives\/publications\/world-wealth-report\/\" aria-label=\"World Wealth Report 2025\" class=\"card-link-holder\">\n                            <div class=\"insight-card insight-card-center\">\n                                <div class=\"card-tag\">Capgemini Research Institute<\/div>\n                                <h3 class=\"card-title\">World Wealth Report 2025<\/h3>\n                                <div class=\"insight-card-footer\">\n                                    <img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/fr-fr\/wp-content\/themes\/capgemini2025\/assets\/images\/capgemini-research-institute.svg\" alt=\"capgemini-research-institute\" class=\"light\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/fr-fr\/wp-content\/themes\/capgemini2025\/assets\/images\/capgemini-research-institute-white.svg\" alt=\"capgemini-research-institute\" class=\"dark\">\n                                <\/div>\n                            <\/div>\n                            <\/a>\n                        <\/div>\n                    <div class=\"col-12 col-lg-4 d-md-none d-lg-block\"><\/div><\/div>\n                    <\/div><\/div><\/section>\n\n\n<section class=\"wp-block-cg-blocks-wrapper-card-related-capabilities undefined card-related-capability\"><div class=\"cardelatedBgShape\"><\/div><div class=\"container\"><div class=\"contentTitle\"><h2 data-maxlength=\"34\" class=\"capabilities-heading\">Notre expertise sectorielle<\/h2><\/div><div class=\"row\">\n<div class=\"wp-block-cg-blocks-card-related-capabilities col-md-4 gridbox card-block\"><div class=\"box box--1 capblock\"><div class=\"box-img-wrapper\"><div class=\"img-ratio\"><img decoding=\"async\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2021\/12\/Capgemini_Industries_Capital-Markets_Cards-and-payments_2.jpg?w=500&amp;quality=70\" srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2021\/12\/Capgemini_Industries_Capital-Markets_Cards-and-payments_2.jpg?w=500&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2021\/12\/Capgemini_Industries_Capital-Markets_Cards-and-payments_2.jpg?w=1000&amp;quality=70 2x\" class=\"box-img\" alt=\"\" style=\"object-fit:cover;object-position:50% 50%\" loading=\"lazy\"\/><\/div><\/div><div class=\"box-inner\"><a class=\"box-title\" aria-label=\"Paiements\" href=\"https:\/\/www.capgemini.com\/fr-fr\/secteurs\/marches-bancaires-et-financiers\/cartes-et-paiements\/\" target=\"\" rel=\"noopener noreferrer\" title=\"Ouvrir dans une nouvelle fen\u00eatre\"><h3 class=\"card-subtitle\">Paiements<\/h3><\/a><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-cg-blocks-card-related-capabilities col-md-4 gridbox card-block\"><div class=\"box box--1 capblock\"><div class=\"box-img-wrapper\"><div class=\"img-ratio\"><img decoding=\"async\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2021\/08\/Capgemini_Industries_Capital-Markets.jpg?w=500&amp;quality=70\" srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2021\/08\/Capgemini_Industries_Capital-Markets.jpg?w=500&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2021\/08\/Capgemini_Industries_Capital-Markets.jpg?w=1000&amp;quality=70 2x\" class=\"box-img\" alt=\"\" style=\"object-fit:cover;object-position:50% 50%\" loading=\"lazy\"\/><\/div><\/div><div class=\"box-inner\"><a class=\"box-title\" aria-label=\"March\u00e9s bancaires et financiers\" href=\"https:\/\/www.capgemini.com\/fr-fr\/secteurs\/marches-bancaires-et-financiers\/\" target=\"\" rel=\"noopener noreferrer\" title=\"Ouvrir dans une nouvelle fen\u00eatre\"><h3 class=\"card-subtitle\">March\u00e9s bancaires et financiers<\/h3><\/a><\/div><\/div><\/div>\n<\/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\">Nos experts<\/h2><\/div><\/div><div class=\"slider slider-boxed\"><div class=\"container\"><div class=\"slider-window\"><div class=\"slider-list\">\t\t<div class=\"slide\">\n\t\t\t<div class=\"box\">\n\t\t\t\t<div class=\"row\">\n\t\t\t\t\t<div class=\"col-md-6 col-lg-4 box-img-wrapper\">\n\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2022\/04\/Christophe-Vergne-PC.jpg\" alt=\"Christophe Vergne\"\/>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"col-md-6 col-lg-8 box-inner\">\n\t\t\t\t\t\t<div class=\"row title-social-media-header\">\n\t\t\t\t\t\t\t<div class=\"col-md-12 col-lg-6 mbl-social-icon\">\n\t\t\t\t\t\t\t\t<ul class=\"social-nav\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li><a aria-label=\"Linkedin\" target=\"_blank\" title=\"Ouvrir dans une nouvelle fen\u00eatre\" href=\"https:\/\/fr.linkedin.com\/in\/vergnechristophe\"><i aria-hidden=\"true\" class=\"icon-li\"><\/i><\/a><\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"col-md-12 col-lg-6 box-container\">\n\t\t\t\t\t\t\t\t<div class=\"box-title\">\n\t\t\t\t\t\t\t\t\t<h3 class=\"people-profile-title\">Christophe Vergne<\/h3>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span>Cards and Payments SME (Europe), Capgemini<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"col-md-12 col-lg-6 social-box-container dkt-social-icon\">\n\t\t\t\t\t\t\t\t<ul class=\"social-nav\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li><a aria-label=\"Linkedin\" target=\"_blank\" title=\"Ouvrir dans une nouvelle fen\u00eatre\" href=\"https:\/\/fr.linkedin.com\/in\/vergnechristophe\"><i aria-hidden=\"true\" class=\"icon-li\"><\/i><\/a><\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"people-info\">Fort d&#8217;une solide exp\u00e9rience dans la banque, Christophe Vergne a jou\u00e9 un r\u00f4le essentiel dans la construction de la practice paiements globale de Capgemini, permettant aux grandes institutions de transformer et de consolider leur leadership sur tous les segments et services du march\u00e9. Au cours des dix derni\u00e8res ann\u00e9es, Christophe a \u00e9t\u00e9 le co-auteur du World Payments Report, contribuant \u00e0 en faire la publication de r\u00e9f\u00e9rence sur la transformation des paiements. Il est un expert, un conf\u00e9rencier, un blogueur et un conseiller pour les CXO du secteur payments.<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\n\n\t\t<div class=\"slide\">\n\t\t\t<div class=\"box\">\n\t\t\t\t<div class=\"row\">\n\t\t\t\t\t<div class=\"col-md-6 col-lg-4 box-img-wrapper\">\n\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/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<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<br><br><\/h3> <\/div><div class=\"button-wrapper no-description\"><a class=\"cta-btn action-valid\" data-bs-toggle=\"modal\" 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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=\"0066098e0b\" \/>\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\n\n<div class=\"wrapper-get-in-touch-block\">\n<section class=\"wp-block-cg-blocks-wrapper-get-in-touch section get-in-touch-block\"><div class=\"container\"><div class=\"content-title\"><h2 class=\"getintouch-heading\">Les participants au rapport<\/h2><\/div><div class=\"content-description\"><p><\/p><\/div><div><div class=\"cg-slider show-card\"><div class=\"box\"><div class=\"box-author-img col-md-12 col-2\"><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/09\/Pierre-Antoine-Vacheron-.jpg\" alt=\"\"\/><\/div><div class=\"right col-md-12 col-8\"><h3>Pierre-Antoine Vacheron<\/h3><p class=\"box-position\">CEO<\/p><p class=\"box-company\">BPCE Payments<\/p><ul class=\"social-nav col-md-12\"><\/ul><\/div><\/div><div class=\"box\"><div class=\"box-author-img col-md-12 col-2\"><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/09\/Emanuela-Citi.jpg\" alt=\"\"\/><\/div><div class=\"right col-md-12 col-8\"><h3>Emanuel Saccarola<\/h3><p class=\"box-position\">TTS Head of Cross Border Payments<\/p><p class=\"box-company\">Citi Services<\/p><ul class=\"social-nav col-md-12\"><\/ul><\/div><\/div><div class=\"box\"><div class=\"box-author-img col-md-12 col-2\"><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/09\/Tino_Kam.jpg\" alt=\"\"\/><\/div><div class=\"right col-md-12 col-8\"><h3>Tino Kam<\/h3><p class=\"box-position\">Product Area Lead, Payment &amp; Settlement Services<\/p><p class=\"box-company\">ING Bank<\/p><ul class=\"social-nav col-md-12\"><\/ul><\/div><\/div><div class=\"box\"><div class=\"box-author-img col-md-12 col-2\"><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/09\/Lionel-Chaine.jpg\" alt=\"\"\/><\/div><div class=\"right col-md-12 col-8\"><h3>Lionel Chaine<\/h3><p class=\"box-position\">Chief Information Officer<\/p><p class=\"box-company\">Bpifrance<\/p><ul class=\"social-nav col-md-12\"><\/ul><\/div><\/div><div class=\"box\"><div class=\"box-author-img col-md-12 col-2\"><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/09\/Anand-Sampath.jpg\" alt=\"\"\/><\/div><div class=\"right col-md-12 col-8\"><h3>Anand Sampath<\/h3><p class=\"box-position\">Managing Director, Head &#8211; Global Payments &amp; Collections, GTB<\/p><p class=\"box-company\">First Abu Dhabi Bank<\/p><ul class=\"social-nav col-md-12\"><\/ul><\/div><\/div><div class=\"box\"><div class=\"box-author-img col-md-12 col-2\"><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/09\/Ben-Isaacson_HD-photo.jpg\" alt=\"\"\/><\/div><div class=\"right col-md-12 col-8\"><h3>Ben Isaacson<\/h3><p class=\"box-position\">SVP, Product Strategy<\/p><p class=\"box-company\">The Clearing House<\/p><ul class=\"social-nav col-md-12\"><\/ul><\/div><\/div><div class=\"box\"><div class=\"box-author-img col-md-12 col-2\"><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/09\/Edouard-Mandon.jpg\" alt=\"\"\/><\/div><div class=\"right col-md-12 col-8\"><h3>\u00c9douard Mandon<\/h3><p class=\"box-position\">Co-founder &amp; CEO <\/p><p class=\"box-company\">Numeral<\/p><ul class=\"social-nav col-md-12\"><\/ul><\/div><\/div><div class=\"box\"><div class=\"box-author-img col-md-12 col-2\"><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/09\/Rupak-Das.jpg\" alt=\"\"\/><\/div><div class=\"right col-md-12 col-8\"><h3>Rupak Das<\/h3><p class=\"box-position\">Managing Director &#8211; Payments Sales<\/p><p class=\"box-company\">Tought Machine<\/p><ul class=\"social-nav col-md-12\"><\/ul><\/div><\/div><div class=\"box\"><div class=\"box-author-img col-md-12 col-2\"><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/09\/Nilesh-Dusane.jpg\" alt=\"\"\/><\/div><div class=\"right col-md-12 col-8\"><h3>Nilesh Dusane<\/h3><p class=\"box-position\">Global Head of Institutional Payments<\/p><p class=\"box-company\">Amazon Web Services<\/p><ul class=\"social-nav col-md-12\"><\/ul><\/div><\/div><div class=\"box\"><div class=\"box-author-img col-md-12 col-2\"><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/09\/Matt-Wegner.jpg\" alt=\"\"\/><\/div><div class=\"right col-md-12 col-8\"><h3>Matt Wegner<\/h3><p class=\"box-position\">Vice President, Global Payments &amp; Risk <\/p><p class=\"box-company\">Adobe<\/p><ul class=\"social-nav col-md-12\"><\/ul><\/div><\/div><\/div><div class=\"cg-slider hide-card\">\t\t<div class=\"main\">\n\n\t\t\t\n\t\t\t<div class=\"box\">\n\t\t\t\t\t\t\t\t\t<div class=\"box-author-img\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" alt=\"\"\n\t\t\t\t\t\t\t\tsrc=\"https:\/\/www.capgemini.com\/fr-fr\/wp-content\/themes\/capgemini2025\/assets\/images\/mockup.png?w=250&#038;quality=70\">\n\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t<\/div>\n\n\n\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t\t<ul class=\"social-nav\">\n\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\n\t\t<\/div>\n\t\n\n\t\t<div class=\"main\">\n\n\t\t\t\n\t\t\t<div class=\"box\">\n\t\t\t\t\t\t\t\t\t<div class=\"box-author-img\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" alt=\"\"\n\t\t\t\t\t\t\t\tsrc=\"https:\/\/www.capgemini.com\/fr-fr\/wp-content\/themes\/capgemini2025\/assets\/images\/mockup.png?w=250&#038;quality=70\">\n\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t<\/div>\n\n\n\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t\t<ul class=\"social-nav\">\n\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\n\t\t<\/div>\n\t\n\n\t\t<div class=\"main\">\n\n\t\t\t\n\t\t\t<div class=\"box\">\n\t\t\t\t\t\t\t\t\t<div class=\"box-author-img\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" alt=\"\"\n\t\t\t\t\t\t\t\tsrc=\"https:\/\/www.capgemini.com\/fr-fr\/wp-content\/themes\/capgemini2025\/assets\/images\/mockup.png?w=250&#038;quality=70\">\n\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t<\/div>\n\n\n\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t\t<ul class=\"social-nav\">\n\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\n\t\t<\/div>\n\t\n\n\t\t<div class=\"main\">\n\n\t\t\t\n\t\t\t<div class=\"box\">\n\t\t\t\t\t\t\t\t\t<div class=\"box-author-img\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" alt=\"\"\n\t\t\t\t\t\t\t\tsrc=\"https:\/\/www.capgemini.com\/fr-fr\/wp-content\/themes\/capgemini2025\/assets\/images\/mockup.png?w=250&#038;quality=70\">\n\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t<\/div>\n\n\n\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t\t<ul class=\"social-nav\">\n\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\n\t\t<\/div>\n\t\n\n\t\t<div class=\"main\">\n\n\t\t\t\n\t\t\t<div class=\"box\">\n\t\t\t\t\t\t\t\t\t<div class=\"box-author-img\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" alt=\"12_5_capgemini_loyalty-deciphered_updated_2017_cp-fr-copy\"\n\t\t\t\t\t\t\t\tsrc=\"https:\/\/www.capgemini.com\/fr-fr\/wp-content\/themes\/capgemini2025\/assets\/images\/mockup.png?w=250&#038;quality=70\">\n\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t<\/div>\n\n\n\t\t\t\t\t\t\t\t\t\t\t<h3>12_5_capgemini_loyalty-deciphered_updated_2017_cp-fr-copy<\/h3>\n\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t\t<ul class=\"social-nav\">\n\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\n\t\t<\/div>\n\t<\/div><\/div><\/div><\/section>\n<\/div>\n\n\n<section class=\"wp-block-cg-blocks-how-we-do-it section section--howwedoit block-howwedoit\"><div class=\"container\"><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\">Nos pr\u00e9c\u00e9dents World Payments Reports<\/h3><\/div><div class=\"expander-content\"><p><a href=\"https:\/\/go.capgeminigroup.com\/l\/95412\/2023-09-12\/7tbpd6\/95412\/1694547172idbuBtLE\/WPR_2023_web.pdf\">World Payments Report 2023<\/a><br><a href=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/08\/WPR-2022.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">World Payments Report 2022<\/a><br><a href=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/08\/World-Payments-Report_2021_Web.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">World Payments Report 2021<\/a><\/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\">Disclaimer<\/h3><\/div><div class=\"expander-content\"><p>Les informations contenues dans ce rapport sont d&#8217;ordre g\u00e9n\u00e9ral et ne constituent pas des conseils juridiques, fiscaux, financiers ou professionnels. Capgemini n&#8217;assume aucune responsabilit\u00e9 en cas d&#8217;erreurs ou d&#8217;omissions, ni en ce qui concerne l&#8217;utilisation de ces informations. Ce rapport est fourni \u00e0 titre d&#8217;information uniquement et peut ne pas r\u00e9pondre \u00e0 vos besoins sp\u00e9cifiques. Capgemini d\u00e9cline toute responsabilit\u00e9 en cas d&#8217;inexactitude de la traduction et fournit les informations \u00ab en l&#8217;\u00e9tat \u00bb, sans garantie. Capgemini ne peut \u00eatre tenu responsable de toute perte r\u00e9sultant de la confiance accord\u00e9e \u00e0 ces informations.<\/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<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<br><br><\/h3> <\/div><div class=\"button-wrapper no-description\"><a class=\"cta-btn action-valid\" 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