{"id":803727,"date":"2026-02-25T09:03:27","date_gmt":"2026-02-25T08:03:27","guid":{"rendered":"https:\/\/www.capgemini.com\/fr-fr\/?post_type=research-and-insight&#038;p=803727"},"modified":"2026-02-25T09:03:29","modified_gmt":"2026-02-25T08:03:29","slug":"reinventer-kyc-avec-pkyc","status":"publish","type":"research-and-insight","link":"https:\/\/www.capgemini.com\/fr-fr\/perspectives\/publications\/reinventer-kyc-avec-pkyc\/","title":{"rendered":"R\u00e9inventer le KYC avec le\u00a0Perpetual\u00a0KYC"},"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\/2026\/02\/pKYC-capcom-banner.jpg?w=2880&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2026\/02\/pKYC-capcom-banner.jpg?w=2880&amp;quality=70 2x\" media=\"(min-width: 1500px)\"\/><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2026\/02\/pKYC-capcom-banner.jpg?w=1440&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2026\/02\/pKYC-capcom-banner.jpg?w=2880&amp;quality=70 2x\" media=\"(min-width: 992px)\"\/><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2026\/02\/pKYC-capcom-banner.jpg?w=1024&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2026\/02\/pKYC-capcom-banner.jpg?w=1024&amp;quality=70 2x\" media=\"(min-width: 768px)\"\/><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2026\/02\/pKYC-capcom-banner.jpg?w=768&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2026\/02\/pKYC-capcom-banner.jpg?w=768&amp;quality=70 2x\" media=\"(min-width: 0)\"\/><img decoding=\"async\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2026\/02\/pKYC-capcom-banner.jpg\" class=\"header-img header-img-d\" alt=\"\" style=\"object-fit:cover;object-position:44% 71%\" 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\">Transformation Digitale<\/span><\/div><\/div><\/div><div class=\"box-title\"><h1 data-maxlength=\"34\">R\u00e9inventer le\u00a0KYC :\u00a0des mod\u00e8les traditionnels au\u00a0Perpetual\u00a0KYC<\/h1><\/div><h2 class=\"reasearchInsightTitle\">Intelligent, conforme et \u00e9volutif &#8211; le futur du KYC est arriv\u00e9<\/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\/wp-content\/uploads\/2026\/02\/FCC-WHITEPAPER-web-locked.pdf\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"Ouvrir dans une nouvelle fen\u00eatre\"><span>T\u00e9l\u00e9chargez le point de vue<\/span><span class=\"type\">2 MB 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-alors-que-les-attentes-reglementaires-augmentent-et-que-l-onboarding-des-clients-devient-de-plus-en-plus-digital-les-equipes-kyc-subissent-une-pression-croissante-pour-suivre-le-rythme-les-processus-traditionnels-montrent-leurs-limites-rendant-plus-difficile-pour-les-entreprises-de-rester-alignees-avec-les-exigences-de-conformite-en-matiere-de-lutte-contre-le-blanchiment-d-argent-aml-de-gestion-des-risques-et-de-criminalite-financiere\">Alors que les attentes r\u00e9glementaires augmentent et que l\u2019onboarding des clients devient de plus en plus digital, les \u00e9quipes KYC subissent une pression croissante pour suivre le rythme. Les processus traditionnels montrent leurs limites, rendant plus difficile pour les entreprises de rester align\u00e9es avec les exigences de conformit\u00e9 en mati\u00e8re de lutte contre le blanchiment d\u2019argent (AML), de gestion des risques et de criminalit\u00e9 financi\u00e8re.<\/h2>\n\n\n\n<p>Pourquoi ? Parce que les syst\u00e8mes cr\u00e9ent des frictions op\u00e9rationnelles. Des outils d\u00e9connect\u00e9s, des contr\u00f4les manuels et des cycles de revue rigides qui ralentissent la production et r\u00e9duisent l\u2019efficacit\u00e9 des solutions AML. Parall\u00e8lement, la surveillance s\u2019intensifie, les comportements criminels \u00e9voluent, les attentes des clients changent et les volumes de donn\u00e9es augmentent. Sans une modernisation soutenue par la RegTech (Technologies R\u00e9glementaires), le KYC ne peut gagner ni en agilit\u00e9 ni en capacit\u00e9 d\u2019\u00e9volution.<\/p>\n\n\n\n<p>Le Perpetual KYC (pKYC) r\u00e9pond \u00e0 ce d\u00e9fi en passant de revues lentes et p\u00e9riodiques \u00e0 une surveillance quasiment en temps r\u00e9el, pilot\u00e9e par les \u00e9v\u00e9nements, et support\u00e9e par des donn\u00e9es modernes, de l\u2019automatisation intelligente et des analyses renforc\u00e9es par l\u2019IA.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-pourquoi-les-modeles-operationnels-kyc-traditionnels-freinent-les-organisations\">Pourquoi les mod\u00e8les op\u00e9rationnels KYC traditionnels freinent les organisations<\/h3>\n\n\n\n<p>Chaque ann\u00e9e, des dizaines de milliards de dollars sont d\u00e9pens\u00e9s dans le monde pour le KYC. Les co\u00fbts continuent d\u2019augmenter \u00e0 mesure que les exigences de filtrage, les obligations r\u00e9glementaires et la complexit\u00e9 des donn\u00e9es s\u2019intensifient. Pourtant, les syst\u00e8mes KYC traditionnels restent cloisonn\u00e9s, manuels et de plus en plus en d\u00e9calage avec les attentes des \u00e9quipes de conformit\u00e9 AML KYC.<\/p>\n\n\n\n<p>Les r\u00e9gulateurs sont explicites : les mod\u00e8les statiques et limit\u00e9s dans le temps sont incompatibles avec une approche fond\u00e9e sur les risques. Les r\u00e9centes mesures d\u2019application rappellent que des processus KYC et de surveillance des transactions obsol\u00e8tes constituent des vuln\u00e9rabilit\u00e9s majeures. Ces pressions renforcent l\u2019urgence de la modernisation, comme l\u2019explore le nouvel horizon des solutions AML.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-l-argument-en-faveur-du-pkyc\">L\u2019argument en faveur du pKYC<\/h2>\n\n\n\n<p>Les early adopters observent d\u00e9j\u00e0 des b\u00e9n\u00e9fices significatifs :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>R\u00e9duction de 20 \u00e0 40 % des faux positifs.<\/li>\n\n\n\n<li>R\u00e9duction de 40 \u00e0 60 % du d\u00e9lai d\u2019ex\u00e9cution pour l\u2019onboarding.<\/li>\n\n\n\n<li>R\u00e9duction de 50 \u00e0 70 % des arri\u00e9r\u00e9s de dossiers, selon le niveau de maturit\u00e9 initial.<\/li>\n<\/ul>\n\n\n\n<p>Combin\u00e9s, ces gains permettent d\u2019\u00e9liminer 70 \u00e0 90 % du travail manuel li\u00e9 aux revues p\u00e9riodiques.<\/p>\n\n\n\n<p>Le pKYC transforme fondamentalement la conformit\u00e9 AML\/KYC en rempla\u00e7ant les contr\u00f4les calendaires d\u00e9pendants par une approche intelligente, continue et proactive, particuli\u00e8rement essentielle pour les fonctions risque, lutte contre la criminalit\u00e9 financi\u00e8re et conformit\u00e9, qui font face \u00e0 une surveillance r\u00e9glementaire croissante.<\/p>\n\n\n\n<p>En passant d\u2019\u00e9valuations statiques \u00e0 une gestion des risques de criminalit\u00e9 financi\u00e8re pilot\u00e9e par les \u00e9v\u00e9nements, les entreprises peuvent obtenir une vision quasi instantan\u00e9e du risque client \u2014 une vision qui renforce le contr\u00f4le r\u00e9glementaire tout en r\u00e9duisant significativement les co\u00fbts op\u00e9rationnels et les frictions pour les clients.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-le-modele-operationnel-pkyc-en-trois-piliers\">Le mod\u00e8le op\u00e9rationnel pKYC en trois piliers<\/h2>\n\n\n\n<p>Le pKYC est rendu possible gr\u00e2ce \u00e0 un mod\u00e8le op\u00e9rationnel int\u00e9gr\u00e9, appel\u00e9 la triade pKYC. Il r\u00e9unit les donn\u00e9es, l\u2019automatisation et l\u2019analytique au sein d\u2019un syst\u00e8me unifi\u00e9 et en boucle ferm\u00e9e, permettant une conformit\u00e9 de bout en bout en mati\u00e8re de lutte contre la criminalit\u00e9 financi\u00e8re.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-modernisation-des-donnees\">Modernisation des donn\u00e9es<\/h3>\n\n\n\n<p>Une base de donn\u00e9es unifi\u00e9e et de haute int\u00e9grit\u00e9 permet une r\u00e9solution fiable de l\u2019identit\u00e9 client, \u00e9limine la ressaisie d\u2019informations, harmonise les attributs d\u2019identit\u00e9 entre les syst\u00e8mes et garantit que les signaux de risque sont pr\u00e9cis, coh\u00e9rents et explicables. Cette capacit\u00e9 constitue un socle essentiel pour une conformit\u00e9 \u00e9volutive et s\u2019aligne \u00e9troitement avec les <a href=\"https:\/\/www.capgemini.com\/solutions\/data-powered-financial-services\/\" target=\"_blank\" rel=\"noreferrer noopener\">services financiers pilot\u00e9s par la donn\u00e9e<\/a>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-automatisation-intelligente\">Automatisation intelligente<\/h3>\n\n\n\n<p>L\u2019orchestration des workflows et le traitement d\u00e9clench\u00e9 par les \u00e9v\u00e9nements raccourcissent les cycles d\u2019onboarding, r\u00e9duisent les interventions manuelles et transforment des contr\u00f4les ponctuels en une gestion continue des risques. L\u2019automatisation garantit la coh\u00e9rence tout en am\u00e9liorant l\u2019exp\u00e9rience client (CX) sur l\u2019ensemble des canaux et en renfor\u00e7ant les obligations de conformit\u00e9 AML\/KYC.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-analyse-intelligente\">Analyse intelligente<\/h3>\n\n\n\n<p>Les capacit\u00e9s analytiques dop\u00e9es \u00e0 l\u2019IA agissent comme des copilotes contr\u00f4l\u00e9s, acc\u00e9l\u00e9rant le jugement des analystes, identifiant plus t\u00f4t les risques majeurs et renfor\u00e7ant la solidit\u00e9 des d\u00e9cisions. Cela soutient les initiatives de transformation plus larges d\u00e9crites dans <a href=\"https:\/\/www.capgemini.com\/insights\/expert-perspectives\/a-call-to-action-for-banks-in-the-ai-age\/\">l<\/a><a href=\"https:\/\/www.capgemini.com\/insights\/expert-perspectives\/a-call-to-action-for-banks-in-the-ai-age\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u2019Invitation \u00e0 agir destin\u00e9e aux banques \u00e0 l\u2019\u00e8re de l\u2019IA<\/a>.<\/p>\n\n\n\n<p>\u202fLa triade pKYC fonctionne comme une boucle ferm\u00e9e :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Les donn\u00e9es alimentent l\u2019automatisation.<\/li>\n\n\n\n<li>L\u2019automatisation cr\u00e9e la structure n\u00e9cessaire \u00e0 l\u2019analytique.<\/li>\n\n\n\n<li>L\u2019analytique am\u00e9liore \u00e0 la fois les donn\u00e9es et l\u2019automatisation.<\/li>\n<\/ul>\n\n\n\n<p>La transformation se produit lorsque ces capacit\u00e9s m\u00fbrissent ensemble au sein d\u2019un mod\u00e8le op\u00e9rationnel unifi\u00e9, soutenu par des insights issus de la RegTech, comme le d\u00e9ploiement de la Gen AI \u00e0 grande \u00e9chelle.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-le-pkyc-en-bref-des-revues-periodiques-vers-un-kyc-continu\">Le pKYC en bref : des revues p\u00e9riodiques vers un KYC continu<\/h3>\n\n\n\n<p>Bien que les processus KYC et AML soient rarement appr\u00e9ci\u00e9s des clients, ils se situent au c\u0153ur de l\u2019exp\u00e9rience client (CX). Lorsque la conformit\u00e9 est lente ou r\u00e9p\u00e9titive, les institutions paraissent bureaucratiques. Lorsqu\u2019elle est ponctuelle, intelligente et explicable, elle renforce la confiance tout au long du parcours d\u2019onboarding digital.<\/p>\n\n\n\n<p>Le pKYC int\u00e8gre la conformit\u00e9 directement dans le flux des interactions clients, permettant ainsi la confirmation de l\u2019identit\u00e9 et la r\u00e9\u00e9valuation du risque de mani\u00e8re contextuelle plut\u00f4t que comme des \u00e9v\u00e9nements isol\u00e9s et perturbateurs.<\/p>\n\n\n\n<p>Cela s\u2019inscrit dans l\u2019approche plus large de Capgemini, qui vise \u00e0 <a href=\"https:\/\/www.capgemini.com\/solutions\/driving-customer-centricity-in-banking-and-capital-markets\/\" target=\"_blank\" rel=\"noreferrer noopener\">renforcer la centricit\u00e9 client dans la banque et les march\u00e9s de capitaux<\/a> sans compromettre le niveau de contr\u00f4le.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-un-profil-de-risque-client-unifie-couvrant-l-ensemble-du-cycle-de-vie-kyc\">Un profil de risque client unifi\u00e9 couvrant l\u2019ensemble du cycle de vie KYC<\/h3>\n\n\n\n<p>Un cadre pKYC cr\u00e9e une vue consolid\u00e9e et continuellement actualis\u00e9e du risque de criminalit\u00e9 financi\u00e8re au niveau du client, en int\u00e9grant les donn\u00e9es KYC, la surveillance des transactions, les sanctions et les m\u00e9dias d\u00e9favorables. Cela permet de soutenir une gestion proactive du risque de criminalit\u00e9 financi\u00e8re.<\/p>\n\n\n\n<p>Ce mod\u00e8le favorise une d\u00e9tection plus pr\u00e9coce, une priorisation plus intelligente et une conformit\u00e9 \u00e9volutive dans divers segments tels que <a href=\"https:\/\/www.capgemini.com\/fr-fr\/secteurs\/marches-bancaires-et-financiers\/\" target=\"_blank\" rel=\"noreferrer noopener\">la banque de d\u00e9tail et commer<\/a><a href=\"https:\/\/www.capgemini.com\/fr-fr\/secteurs\/marches-bancaires-et-financiers\/\">ciale<\/a>, les cartes et paiements, ainsi que la gestion de patrimoine.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-conclusion\">Conclusion<\/h3>\n\n\n\n<p><strong>Un mod\u00e8le KYC pr\u00eat pour l\u2019avenir, construit sur le pKYC<\/strong><\/p>\n\n\n\n<p>Pour rester comp\u00e9titives et conformes, les organisations doivent passer de cadres KYC r\u00e9actifs \u00e0 des op\u00e9rations de conformit\u00e9 en mati\u00e8re de criminalit\u00e9 financi\u00e8re adaptatives et pilot\u00e9es par l\u2019intelligence. Le pKYC transforme la conformit\u00e9 d\u2019une obligation p\u00e9riodique en une capacit\u00e9 continue et d\u00e9fendable, qui r\u00e9duit les co\u00fbts, am\u00e9liore l\u2019exp\u00e9rience client (CX) et renforce la confiance.<\/p>\n\n\n\n<p>\u202fCette \u00e9volution est acc\u00e9l\u00e9r\u00e9e par des solutions comme <a href=\"https:\/\/www.capgemini.com\/solutions\/perpetual-kyc-catalyst\/\">Perpetu<\/a><a href=\"https:\/\/www.capgemini.com\/solutions\/perpetual-kyc-catalyst\/\" target=\"_blank\" rel=\"noreferrer noopener\">al KYC Catalyst de Capgemini<\/a>, et soutenue par une innovation continue en mati\u00e8re de gestion des risques et de conformit\u00e9 financi\u00e8re.<\/p>\n\n\n\n<p>T\u00e9l\u00e9chargez notre point de vue pour d\u00e9couvrir en d\u00e9tail le mod\u00e8le op\u00e9rationnel pKYC, les consid\u00e9rations de mise en \u0153uvre et les implications r\u00e9glementaires.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-a89b3969 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2026\/02\/FCC-WHITEPAPER-web-locked.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">T\u00e9l\u00e9chargez le point de vue<\/a><\/div>\n<\/div>\n<\/div><\/div><\/div><\/div><\/div><\/section>\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\">FAQs<\/h2><\/div><p><\/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-expanded=\"false\"><h3 class=\"expander-heading-title\">Qu\u2019est-ce que le Perpetual KYC (pKYC) ?<\/h3><\/div><div class=\"expander-content\"><p>Le pKYC est une approche de la Due Diligence Client dans laquelle les v\u00e9rifications d\u2019identit\u00e9, de risque et de conformit\u00e9 sont surveill\u00e9es en continu, plut\u00f4t que seulement lors de l\u2019onboarding ou \u00e0 intervalles p\u00e9riodiques.<\/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>\n<p><\/p>\n<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-expanded=\"false\"><h3 class=\"expander-heading-title\">Comment le pKYC am\u00e9liore-t-il l\u2019onboarding client ?<\/h3><\/div><div class=\"expander-content\"><p>Le pKYC am\u00e9liore l\u2019onboarding en agissant comme un gardien beaucoup plus efficace que le KYC traditionnel\u202f: il identifie les risques plus t\u00f4t tout en r\u00e9duisant les frictions inutiles pour les clients \u00e0 faible risque.<\/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>\n<p><\/p>\n<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-expanded=\"false\"><h3 class=\"expander-heading-title\">Le pKYC est-il simplement une version plus rapide des revues p\u00e9riodiques ?<\/h3><\/div><div class=\"expander-content\"><p>Non. Le pKYC remplace enti\u00e8rement les revues p\u00e9riodiques par une \u00e9valuation continue et d\u00e9clench\u00e9e par les \u00e9v\u00e9nements<\/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-expanded=\"false\"><h3 class=\"expander-heading-title\">Le pKYC remplace-t-il les niveaux de KYC bas\u00e9s sur le risque ?<\/h3><\/div><div class=\"expander-content\"><p>Non. La segmentation par niveau de risque reste essentielle \u2014 mais elle est actualis\u00e9e dynamiquement pour refl\u00e9ter le comportement actuel du client et les signaux de risque.<\/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-expanded=\"false\"><h3 class=\"expander-heading-title\">Pourquoi la modernisation des donn\u00e9es est-elle essentielle pour le pKYC ?<\/h3><\/div><div class=\"expander-content\"><p>Sans des donn\u00e9es fiables, interop\u00e9rables et explicables, l\u2019automatisation et l\u2019analytique ne peuvent pas garantir une conformit\u00e9 robuste.<\/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-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\">Sur le m\u00eame sujet<\/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\/2023\/08\/Fincrime-compliance.jpg?w=500&amp;quality=70\" srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/08\/Fincrime-compliance.jpg?w=500&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/08\/Fincrime-compliance.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=\"Gestion des risques financiers\" href=\"https:\/\/www.capgemini.com\/fr-fr\/secteurs\/marches-bancaires-et-financiers\/conformite-gestion-risques-criminalite-financiere\/\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"Ouvrir dans une nouvelle fen\u00eatre\"><h3 class=\"card-subtitle\">Gestion des risques financiers<\/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\/2024\/03\/Capgemini_Industries_Capital-Markets-1.webp?w=500&amp;quality=70\" srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/03\/Capgemini_Industries_Capital-Markets-1.webp?w=500&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/03\/Capgemini_Industries_Capital-Markets-1.webp?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=\"_blank\" 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\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\/fr-fr\/wp-content\/uploads\/sites\/6\/2025\/09\/Capgemini_Industries-Insurance.webp?w=500&amp;quality=70\" srcset=\"https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2025\/09\/Capgemini_Industries-Insurance.webp?w=500&amp;quality=70 1x, https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2025\/09\/Capgemini_Industries-Insurance.webp?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=\"Assurance\" href=\"https:\/\/www.capgemini.com\/fr-fr\/secteurs\/assurance\/\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"Ouvrir dans une nouvelle fen\u00eatre\"><h3 class=\"card-subtitle\">Assurance<\/h3><\/a><\/div><\/div><\/div>\n<\/div><\/div><\/section>\n","protected":false},"excerpt":{"rendered":"<p>Intelligent, compliant, and scalable \u2013 the future of KYC is here<\/p>\n","protected":false},"author":12418,"featured_media":803728,"template":"","meta":{"cg_dt_proposed_to":[],"cg_seo_hreflang_relations":"[]","cg_seo_canonical_relation":"","cg_seo_hreflang_x_default_relation":"","cg_dt_approved_content":true,"cg_dt_mandatory_content":false,"cg_dt_notes":"","cg_dg_source_changed":true,"cg_dt_link_disabled":false,"footnotes":"","related_resource_url":"","related_resource_id":0,"related_resource_size":"","related_resource_type":"","cg_author":0,"_yoast_wpseo_primary_theme":206,"primary_term":"Transformation Digitale","featured_focal_points":""},"tags":[],"research-and-insight-type":[85],"theme":[206],"brand":[30],"service":[29],"industry":[27,732],"partners":[],"content-group":[],"class_list":["post-803727","research-and-insight","type-research-and-insight","status-publish","has-post-thumbnail","hentry","research-and-insight-type-points-de-vue","theme-transformation-digitale","brand-capgemini","service-business-innovation-transformation","industry-banques","industry-financial-services"],"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>R\u00e9inventer le KYC avec le Perpetual KYC | Capgemini\u202f<\/title>\n<meta name=\"description\" content=\"Passez du KYC p\u00e9riodique au KYC continu : moins de faux positifs, onboarding acc\u00e9l\u00e9r\u00e9 et conformit\u00e9 AML\/KYC renforc\u00e9e.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, 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