{"id":814345,"date":"2026-10-08T09:12:58","date_gmt":"2026-10-08T07:12:58","guid":{"rendered":"https:\/\/www.capgemini.com\/fr-fr\/?post_type=research-and-insight&#038;p=814345"},"modified":"2026-10-09T17:51:55","modified_gmt":"2026-10-09T15:51:55","slug":"souverainete-numerique-services-financiers","status":"publish","type":"research-and-insight","link":"https:\/\/www.capgemini.com\/fr-fr\/perspectives\/publications\/souverainete-numerique-services-financiers\/","title":{"rendered":"Services financiers : concilier ma\u00eetrise, r\u00e9silience et innovation"},"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\/10\/DS-FSPoV_webbanner.jpg?w=2880&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2026\/10\/DS-FSPoV_webbanner.jpg?w=2880&amp;quality=70 2x\" media=\"(min-width: 1500px)\"\/><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2026\/10\/DS-FSPoV_webbanner.jpg?w=1440&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2026\/10\/DS-FSPoV_webbanner.jpg?w=2880&amp;quality=70 2x\" media=\"(min-width: 992px)\"\/><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2026\/10\/DS-FSPoV_webbanner.jpg?w=1024&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2026\/10\/DS-FSPoV_webbanner.jpg?w=1024&amp;quality=70 2x\" media=\"(min-width: 768px)\"\/><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2026\/10\/DS-FSPoV_webbanner.jpg?w=768&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2026\/10\/DS-FSPoV_webbanner.jpg?w=768&amp;quality=70 2x\" media=\"(min-width: 0)\"\/><img decoding=\"async\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2026\/10\/DS-FSPoV_webbanner.jpg\" class=\"header-img header-img-d\" alt=\"\" style=\"object-fit:cover;object-position:50% 50%\" loading=\"eager\"\/><\/picture><\/div><div class=\"heroPictureCardHeaderShape\"><\/div><div class=\"container\"><div class=\"row\"><div class=\"col-md-12\"><div class=\"box\"><div class=\"boxTagWrapper\"><div class=\"tagInfo\"><div><span class=\"box-tag\">Souverainet\u00e9 num\u00e9rique<\/span><\/div><\/div><\/div><div class=\"box-title\"><h1 data-maxlength=\"34\">Services financiers : concilier ma\u00eetrise, r\u00e9silience et innovation<\/h1><\/div><h2 class=\"reasearchInsightTitle\">La souverainet\u00e9 num\u00e9rique pour les institutions europ\u00e9ennes.<\/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\/10\/261006_Digital-sovereignty_FS_PoV.pdf\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"opens in a new window\"><span>Point de vue<\/span><span class=\"type\">4 MB pdf<\/span><\/a><\/div><\/div><\/div><\/div><\/div><\/div><\/header>\n\n\n\n<section class=\"wp-block-cg-blocks-group section section--article-content\"><div class=\"article-main-content\"><div class=\"container\"><div class=\"grid-container\"><div class=\"col-12 col-md-2\"><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=1248511\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"opens in a new window\"><i aria-hidden=\"true\" class=\"icon-fb\"><\/i><span class=\"sr-only\">Facebook<\/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=1248511\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"opens in a new window\"><i aria-hidden=\"true\" class=\"icon-li\"><\/i><span class=\"sr-only\">Linkedin<\/span><\/a><\/li><\/ul><\/nav><\/div><div><div class=\"article-text article-quote-text\">\n<h2 id=\"h-l-adoption-du-cloud-les-transformations-liees-a-l-ia-et-la-multiplication-des-dependances-au-sein-des-ecosystemes-redefinissent-le-secteur-des-services-financiers\" class=\"wp-block-heading\">L\u2019adoption du cloud, les transformations li\u00e9es \u00e0 l\u2019IA et la multiplication des d\u00e9pendances au sein des \u00e9cosyst\u00e8mes red\u00e9finissent le secteur des services financiers<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"h-cloud-adoption-ai-driven-transformation-and-growing-ecosystem-dependencies-are-reshaping-the-financial-services-sector-alongside-this-new-technologies-and-the-rise-of-accelerated-intelligent-money-instruments-continue-to-transform-the-roles-businesses-play-making-digital-sovereignty-ever-more-essential-to-maintaining-trust-resilience-and-control\">Dans le m\u00eame temps, les nouvelles technologies et l\u2019\u00e9mergence de nouvelles formes de monnaie num\u00e9rique transforment le r\u00f4le des organisations, faisant de la souverainet\u00e9 num\u00e9rique un enjeu essentiel pour pr\u00e9server la confiance, la r\u00e9silience et la ma\u00eetrise des op\u00e9rations critiques.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Mais la souverainet\u00e9 num\u00e9rique ne se limite plus \u00e0 l\u2019h\u00e9bergement ou \u00e0 la localisation des donn\u00e9es. Elle implique aujourd\u2019hui de garder la ma\u00eetrise des services critiques, des d\u00e9pendances technologiques et des op\u00e9rations. Alors que les exigences r\u00e9glementaires se renforcent et que la d\u00e9pendance aux fournisseurs de cloud, aux plateformes d&#8217;IA et aux \u00e9cosyst\u00e8mes tiers s\u2019accro\u00eet, les institutions financi\u00e8res doivent pouvoir continuer \u00e0 innover en toute confiance, tout en conservant la capacit\u00e9 de gouverner, de contr\u00f4ler et de prot\u00e9ger leurs activit\u00e9s critiques.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ce point de vue pr\u00e9sente une approche concr\u00e8te pour \u00e9valuer les risques li\u00e9s \u00e0 la souverainet\u00e9 num\u00e9rique, d\u00e9finir les exigences de ma\u00eetrise et construire une posture de souverainet\u00e9 align\u00e9e sur les priorit\u00e9s de l\u2019organisation et les obligations r\u00e9glementaires.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Il montre \u00e9galement comment les organisations peuvent conserver le contr\u00f4le sur les domaines les plus strat\u00e9giques tout en tirant parti de l\u2019agilit\u00e9, de l\u2019innovation et des capacit\u00e9s d\u2019\u00e9chelle offertes par les \u00e9cosyst\u00e8mes num\u00e9riques.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Vous y d\u00e9couvrirez :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Pourquoi la souverainet\u00e9 num\u00e9rique devient une priorit\u00e9 pour les directions g\u00e9n\u00e9rales et les instances de gouvernance des institutions financi\u00e8res ;<\/li>\n\n\n\n<li>Comment le cloud, l\u2019IA et les d\u00e9pendances \u00e0 des fournisseurs externes red\u00e9finissent les enjeux de souverainet\u00e9 num\u00e9rique ;<\/li>\n\n\n\n<li>Quelles sont les dimensions cl\u00e9s de la souverainet\u00e9 en mati\u00e8re de donn\u00e9es, d\u2019op\u00e9rations et de cadre juridique ;<\/li>\n\n\n\n<li>Comment concilier innovation, r\u00e9silience et ma\u00eetrise sans freiner la transformation ;<\/li>\n\n\n\n<li>Comment d\u00e9finir et mettre en \u0153uvre une strat\u00e9gie de souverainet\u00e9 efficace \u00e0 l\u2019aide d\u2019un cadre concret ;<\/li>\n\n\n\n<li>Comment les enjeux de souverainet\u00e9 num\u00e9rique se traduisent concr\u00e8tement dans les secteurs de la banque, de l\u2019assurance, des paiements et de l\u2019open banking.<\/li>\n<\/ul>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-secondary\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2026\/10\/261006_Digital-sovereignty_FS_PoV.pdf\">T\u00e9l\u00e9chargez le point de vue<\/a><\/div>\n<\/div>\n<\/div><\/div><\/div><\/div><\/div><\/section>\n\n\n\n<section class=\" section section--expert-slider wrapper-people-slider wp-block-cg-blocks-wrapper-people-slider\"><div class=\"container\"><div class=\"row\"><div class=\"content-title col-12 col-md-8\"><h2 data-maxlength=\"34\" class=\"people-heading-title\">Nos experts<\/h2><\/div><\/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\/wp-content\/uploads\/2026\/01\/nicolas-gaudilliere.jpg\" alt=\"Nicolas Gaudilli\u00e8re\"\/>\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\/nicolasgaudilliere\/\"><i aria-hidden=\"true\" class=\"icon-li\"><\/i><\/a><\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"col-md-12 col-lg-6 box-container\">\n\t\t\t\t\t\t\t\t<div class=\"box-title\">\n\t\t\t\t\t\t\t\t\t<h3 class=\"people-profile-title\">Nicolas Gaudilli\u00e8re<\/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>Vice-Pr\u00e9sident Tech, Cloud &amp; AI, Group Digital Sovereignty, Chief Technology Officer, Capgemini Invent<\/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\/nicolasgaudilliere\/\"><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\">Ing\u00e9nieur dipl\u00f4m\u00e9 de CentraleSup\u00e9lec, il cumule plus de 25 ans d&#8217;exp\u00e9rience en transformation digitale, cybers\u00e9curit\u00e9 et architectures cloud. Engag\u00e9 de longue date sur les enjeux de souverainet\u00e9 num\u00e9rique, il d\u00e9veloppe pour le groupe Capgemini des partenariats strat\u00e9giques avec les acteurs europ\u00e9ens du cloud et de l&#8217;IA pour accompagner les entreprises et institutions dans leur transformation technologique souveraine.<\/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\/wp-content\/uploads\/2026\/10\/Emannuel.jpg\" alt=\"Emmanuel Fournier\"\/>\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\/emmanuel-fournier\/\"><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\">Emmanuel Fournier<\/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>Vice President, Sales, Capgemini Financial Services<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"col-md-12 col-lg-6 social-box-container dkt-social-icon\">\n\t\t\t\t\t\t\t\t<ul class=\"social-nav\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li><a aria-label=\"Linkedin\" target=\"_blank\" title=\"Ouvrir dans une nouvelle fen\u00eatre\" href=\"https:\/\/www.linkedin.com\/in\/emmanuel-fournier\/\"><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\">Emmanuel est Vice-Pr\u00e9sident des ventes de Capgemini pour les services financiers en France et pilote l\u2019acc\u00e9l\u00e9ration de la strat\u00e9gie de mise sur le march\u00e9 autour de la souverainet\u00e9 \u00e0 l\u2019\u00e9chelle europ\u00e9enne. Fort d\u2019une solide exp\u00e9rience dans le pilotage des ventes et d\u2019activit\u00e9s en responsabilit\u00e9 de compte de r\u00e9sultat (P&#038;L) dans diff\u00e9rents secteurs, il poss\u00e8de une compr\u00e9hension approfondie des enjeux strat\u00e9giques, r\u00e9glementaires et \u00e9conomiques li\u00e9s \u00e0 la souverainet\u00e9 europ\u00e9enne.<\/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=\"Slider-previous\" tabindex=\"-1\"><\/button><ul class=\"slider-paginator\"><\/ul><button class=\"slider-next\" aria-label=\"Slider-next\"><\/button><\/div><\/div><\/section>\n\n\n<section class=\"latest-insights layout-odd \"><div class=\"container\"><div class=\"insight-title\"><h2 class=\"latest-insight-title\">Nos publications<\/h2><\/div><div class=\"layout-single-card\">\n                      <div class=\"row align-items-center 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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\t<img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2026\/09\/DotCom_Banner_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\t<\/picture>\n                                <\/div>\n                            <\/div>\n                            <div class=\"col-12 col-md-5 col-lg-7\"><\/div>\n                        <div class=\"col-12 col-md-7 col-lg-5\">\n                            <a href=\"https:\/\/www.capgemini.com\/fr-fr\/perspectives\/publications\/souverainete-numerique-imperatif-strategique\/\" aria-label=\"Souverainet\u00e9 num\u00e9rique : de l\u2019ambition politique \u00e0 l\u2019imp\u00e9ratif strat\u00e9gique\" class=\"card-link-holder\">\n                            <div class=\"insight-card insight-card-start\">\n                                <div class=\"card-tag\">Capgemini Research Institute<\/div>\n                                <h3 class=\"card-title\">Souverainet\u00e9 num\u00e9rique : de l\u2019ambition politique \u00e0 l\u2019imp\u00e9ratif strat\u00e9gique<\/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>\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\/conversations-for-tomorrow-11\/\">\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\/2026\/06\/CFT-11_CommskitDotcom-banner-HP.jpg?w=800&#038;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2026\/06\/CFT-11_CommskitDotcom-banner-HP.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\/2026\/06\/CFT-11_CommskitDotcom-banner-HP.jpg?w=800&#038;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2026\/06\/CFT-11_CommskitDotcom-banner-HP.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\/2026\/06\/CFT-11_CommskitDotcom-banner-HP.jpg?w=800&#038;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2026\/06\/CFT-11_CommskitDotcom-banner-HP.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\/2026\/06\/CFT-11_CommskitDotcom-banner-HP.jpg?w=350&#038;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2026\/06\/CFT-11_CommskitDotcom-banner-HP.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\/2026\/06\/CFT-11_CommskitDotcom-banner-HP.jpg\" alt=\"\" style=\"object-position: 46% 45%; 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\/reinventer-l-experience-client-pilotee-par-l-humain-amplifiee-par-l-ia\/\" aria-label=\"R\u00e9inventer l\u2019exp\u00e9rience client : pilot\u00e9e par l\u2019humain, amplifi\u00e9e par l\u2019IA\" class=\"card-link-holder\">\n                            <div class=\"insight-card insight-card-start\">\n                                <div class=\"card-tag\">Rapport<\/div>\n                                <h3 class=\"card-title\">R\u00e9inventer l\u2019exp\u00e9rience client : pilot\u00e9e par l\u2019humain, amplifi\u00e9e par l\u2019IA<\/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-white.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\/conversations-for-tomorrow-11\/\" aria-label=\"Conversations for Tomorrow #11 : La souverainet\u00e9 num\u00e9rique\" class=\"card-link-holder\">\n                            <div class=\"insight-card insight-card-center\">\n                                <div class=\"card-tag\">Conversations For Tomorrow<\/div>\n                                <h3 class=\"card-title\">Conversations for Tomorrow #11 : La souverainet\u00e9 num\u00e9rique<\/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\t\t<section\n\t\t\tclass=\"section section--lifeatcap-learning section--event-slider-careerInvent\">\n\n\t\t\t<div class=\"container\">\n\t\t\t\t<div class='career-invent-header'>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"row\">\n\t\t\t\t\t\t\t<div class=\"heading col-12 col-md-8\">\n\t\t\t\t\t\t\t\t<h2>Pour aller plus loin<\/h2>\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\t<\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"slider slider-fader cfae3b30-4f1b-41b1-b54e-fa0012055d52\">\n\t\t\t\t\t\t\t\t<div\n\t\t\t\t\tclass=\"slider-list \">\n\t\t\t\t\t\t\t\t\t\t\t<div\n\t\t\t\t\t\t\tclass=\"slide active \">\n\t\t\t\t\t\t\t<div\n\t\t\t\t\t\t\t\tclass=\"slide-bg-wrapper wp-block-cg-blocks-career-invent \">\n\t\t\t\t\t\t\t\t<div class=\"bgImagesection\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"bgColor\"><\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"container slide-info-wrapper\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"row\">\n\t\t\t\t\t\t\t\t\t\t\t<div\n\t\t\t\t\t\t\t\t\t\t\t\tclass=\"col-md-6 col-sm-12 box-inner \">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"bgColor\"><\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tclass=\"content-title \">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"explore-header\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tdata-maxlength=\"68\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\ttitle=\"Souverainet\u00e9 num\u00e9rique\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tSouverainet\u00e9 num\u00e9rique\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tclass=\"box-title \">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h4 data-maxlength=\"144\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\ttitle=\"L\u2019autonomie strat\u00e9gique au service de la r\u00e9silience des organisations.\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tstyle=\"white-space: pre-wrap;\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tL\u2019autonomie strat\u00e9gique au service de la r\u00e9silience des organisations.\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/h4>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div \n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"btnDiv\"> <a class=\"more2\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tdata-maxlength=\"24\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\taria-label=\"En savoir plus A propos Souverainet\u00e9 num\u00e9rique\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\ttitle=\"Opens in new window\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\thref=\"https:\/\/www.capgemini.com\/fr-fr\/services\/souverainete-numerique\/\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\ttarget=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tEn savoir plus\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/a> <\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\n\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"col-md-6 col-sm-12 text-right box-img-wrapper escaper escaper-right\">\n\t\t\t\t\t\t\t\t\t\t\t\t\n\n\t\t\t\t\t\t\t\t\t\t\t\t<picture>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<source\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tsrcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2026\/09\/Digital-Sovereignty-Services-page.jpg?w=1200&amp;quality=90 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2026\/09\/Digital-Sovereignty-Services-page.jpg?w=1200&amp;quality=90 2x\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 1500px)\" \/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<source\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tsrcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2026\/09\/Digital-Sovereignty-Services-page.jpg?w=600&amp;quality=90 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2026\/09\/Digital-Sovereignty-Services-page.jpg?w=1200&amp;quality=90 2x\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 992px)\" \/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<source\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tsrcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2026\/09\/Digital-Sovereignty-Services-page.jpg?w=400&amp;quality=90 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2026\/09\/Digital-Sovereignty-Services-page.jpg?w=800&amp;quality=90 2x\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 768px)\" \/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<source\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tsrcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2026\/09\/Digital-Sovereignty-Services-page.jpg?w=400&amp;quality=90 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2026\/09\/Digital-Sovereignty-Services-page.jpg?w=800&amp;quality=90 2x\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 0)\" \/>\n\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" class=\"box-img\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tsrc=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2026\/09\/Digital-Sovereignty-Services-page.jpg\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tstyle=\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tobject-position: 50% 50%; object-fit: cover;\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\" alt=\"\" \/>\n\n\t\t\t\t\t\t\t\t\t\t\t\t<\/picture>\n\t\t\t\t\t\t\t\t\t\t\t\t<!-- <img decoding=\"async\" class=\"box-img\" src=\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\"\n\t\t\t\t\t\t\t\t\t\t\tstyle=\"\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\" alt=\"\"\n\t\t\t\t\t\t\t\t\t\t\/> -->\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div\n\t\t\t\t\t\t\t\t\tclass=\"\">\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"slide-reveal\"><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\n\t\t\t\t<\/div>\n\n\t\t\t\t\n\t\t\t<\/div>\n\n\t\t<\/section>\n\n\t\t\n\n\n<div data-open-first=\"false\" class=\"wp-block-cg-blocks-cg-blocks-faq-schema\"><section class=\"wp-block-cg-blocks-cg-blocks-faq-schema section section--faqs-content\"><div class=\"container\"><div class=\"row\"><div class=\"col-md-12\"><div class=\"content-title\"><h2>FAQ<\/h2><\/div><div class=\"filters filters--vertical\" data-max=\"100\"><div class=\"expanders filters-content\">\n<div class=\"wp-block-cg-blocks-cg-block-card-faq-schema expander-box filter-box tag-active\"><div class=\"expander-title\" role=\"button\" tabindex=\"0\" aria-expanded=\"false\"><h3>Qu\u2019est-ce que la souverainet\u00e9 num\u00e9rique dans les services financiers ?<\/h3><\/div><div class=\"expander-content\">\n<p class=\"wp-block-paragraph\">La souverainet\u00e9 num\u00e9rique d\u00e9signe la capacit\u00e9 d\u2019une institution financi\u00e8re \u00e0 garder la ma\u00eetrise de ses <strong>donn\u00e9es, services critiques, d\u00e9pendances technologiques et op\u00e9rations<\/strong>. Pour Capgemini, elle ne se limite donc pas \u00e0 la localisation des donn\u00e9es : elle consiste \u00e0 conserver un niveau de contr\u00f4le adapt\u00e9 tout en b\u00e9n\u00e9ficiant de l\u2019innovation et de l\u2019agilit\u00e9 de l\u2019\u00e9cosyst\u00e8me num\u00e9rique.<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-cg-blocks-cg-block-card-faq-schema expander-box filter-box tag-active\"><div class=\"expander-title\" role=\"button\" tabindex=\"0\" aria-expanded=\"false\"><h3>Pourquoi la souverainet\u00e9 num\u00e9rique devient-elle un enjeu majeur pour les banques et les assurances ?<\/h3><\/div><div class=\"expander-content\">\n<p class=\"wp-block-paragraph\">L\u2019adoption du cloud, le d\u00e9veloppement de l\u2019IA et la multiplication des d\u00e9pendances envers des fournisseurs et plateformes externes renforcent les enjeux de <strong>ma\u00eetrise, de r\u00e9silience et de confiance<\/strong>. Le point de vue de Capgemini propose aux institutions financi\u00e8res d\u2019\u00e9valuer ces risques et de d\u00e9finir leurs exigences de ma\u00eetrise en fonction de leurs priorit\u00e9s et obligations r\u00e9glementaires.<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-cg-blocks-cg-block-card-faq-schema expander-box filter-box tag-active\"><div class=\"expander-title\" role=\"button\" tabindex=\"0\" aria-expanded=\"false\"><h3>Quel est l\u2019impact du cloud et de l\u2019intelligence artificielle sur la souverainet\u00e9 num\u00e9rique ?<\/h3><\/div><div class=\"expander-content\">\n<p class=\"wp-block-paragraph\">Le cloud et l\u2019IA peuvent accro\u00eetre les d\u00e9pendances technologiques des institutions financi\u00e8res envers des fournisseurs, des plateformes et des \u00e9cosyst\u00e8mes externes. L\u2019enjeu consiste donc \u00e0 <strong>identifier et ma\u00eetriser les d\u00e9pendances critiques sans renoncer \u00e0 l\u2019innovation<\/strong>, une probl\u00e9matique \u00e9galement pr\u00e9sente dans les r\u00e9flexions fran\u00e7aises actuelles sur le cloud, l\u2019IA et la souverainet\u00e9. <\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-cg-blocks-cg-block-card-faq-schema expander-box filter-box tag-active\"><div class=\"expander-title\" role=\"button\" tabindex=\"0\" aria-expanded=\"false\"><h3>Comment concilier souverainet\u00e9 num\u00e9rique, innovation et r\u00e9silience ?<br><\/h3><\/div><div class=\"expander-content\">\n<p class=\"wp-block-paragraph\">Il ne s\u2019agit pas n\u00e9cessairement de rechercher une ind\u00e9pendance technologique totale, mais de d\u00e9terminer <strong>o\u00f9 la ma\u00eetrise est essentielle<\/strong> et quelles d\u00e9pendances doivent \u00eatre gouvern\u00e9es et v\u00e9rifi\u00e9es. L\u2019approche pr\u00e9sent\u00e9e par Capgemini vise ainsi \u00e0 construire une posture de souverainet\u00e9 adapt\u00e9e aux risques tout en pr\u00e9servant l\u2019envergure, l\u2019agilit\u00e9 et la capacit\u00e9 d\u2019innovation de l\u2019\u00e9cosyst\u00e8me num\u00e9rique.<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-cg-blocks-cg-block-card-faq-schema expander-box filter-box tag-active\"><div class=\"expander-title\" role=\"button\" tabindex=\"0\" aria-expanded=\"false\"><h3>Comment d\u00e9finir une strat\u00e9gie de souverainet\u00e9 num\u00e9rique pour une institution financi\u00e8re ?<\/h3><\/div><div class=\"expander-content\">\n<p class=\"wp-block-paragraph\">Une strat\u00e9gie de souverainet\u00e9 num\u00e9rique commence par l\u2019\u00e9valuation des risques et d\u00e9pendances, puis par la d\u00e9finition des exigences de ma\u00eetrise concernant notamment les <strong>donn\u00e9es, les op\u00e9rations et le cadre juridique<\/strong>. Capgemini pr\u00e9sente un cadre concret permettant d\u2019aligner cette posture de souverainet\u00e9 avec les priorit\u00e9s de l\u2019organisation et ses obligations r\u00e9glementaires.<br><\/p>\n<\/div><\/div>\n<\/div><\/div><\/div><\/div><\/div><\/section><\/div>\n","protected":false},"excerpt":{"rendered":"<p>La souverainet\u00e9 num\u00e9rique devient un enjeu cl\u00e9 pour les institutions financi\u00e8res face au cloud, \u00e0 l\u2019IA et aux d\u00e9pendances technologiques. D\u00e9couvrez une approche concr\u00e8te pour concilier ma\u00eetrise, r\u00e9silience et innovation.<\/p>\n","protected":false},"author":12564,"featured_media":814346,"template":"","meta":{"cg_dt_proposed_to":[21,46,41],"cg_seo_hreflang_relations":"[{\"uuid\":\"4a6c109c-2147-4bd7-81ee-3d673d3a79a4\",\"blogId\":\"6\",\"domain\":\"www.capgemini.com\",\"sitePath\":\"\/fr-fr\/\",\"postLink\":\"https:\/\/www.capgemini.com\/fr-fr\/perspectives\/publications\/souverainete-numerique-services-financiers\/\",\"postId\":814345,\"isSaved\":true,\"isCrossLink\":false,\"hasCrossLink\":false,\"hreflang\":\"\",\"link\":\"\"},{\"uuid\":\"93757e8e-8a81-42c5-93df-47f2a66413c7\",\"blogId\":\"1\",\"domain\":\"www.capgemini.com\",\"sitePath\":\"\/\",\"postLink\":\"https:\/\/www.capgemini.com\/research-and-insight\/balancing-control-resilience-and-innovation\/\",\"postId\":1248511,\"isSaved\":true,\"isCrossLink\":false,\"hasCrossLink\":false,\"hreflang\":\"\",\"link\":\"\"}]","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":false,"cg_dt_link_disabled":true,"footnotes":"","related_resource_url":"","related_resource_id":0,"related_resource_size":"","related_resource_type":"","cg_author":0,"_yoast_wpseo_primary_theme":1357,"primary_term":"Souverainet\u00e9 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