{"id":905204,"date":"2024-09-11T10:14:30","date_gmt":"2024-09-11T10:14:30","guid":{"rendered":"https:\/\/www.capgemini.com\/pl-pl\/?post_type=research-and-insight&#038;p=905204"},"modified":"2025-12-05T13:20:24","modified_gmt":"2025-12-05T13:20:24","slug":"world-payments-report-2023","status":"publish","type":"research-and-insight","link":"https:\/\/www.capgemini.com\/pl-pl\/insights\/biblioteka\/world-payments-report-2023\/","title":{"rendered":"World payments report 2023"},"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\/2022\/10\/WPR_2023_LandingPage_2880X1800px.jpg?w=2880&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2022\/10\/WPR_2023_LandingPage_2880X1800px.jpg?w=2880&amp;quality=70 2x\" media=\"(min-width: 1500px)\"\/><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2022\/10\/WPR_2023_LandingPage_2880X1800px.jpg?w=1440&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2022\/10\/WPR_2023_LandingPage_2880X1800px.jpg?w=2880&amp;quality=70 2x\" media=\"(min-width: 992px)\"\/><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2022\/10\/WPR_2023_LandingPage_2880X1800px.jpg?w=1024&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2022\/10\/WPR_2023_LandingPage_2880X1800px.jpg?w=1024&amp;quality=70 2x\" media=\"(min-width: 768px)\"\/><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2022\/10\/WPR_2023_LandingPage_2880X1800px.jpg?w=768&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2022\/10\/WPR_2023_LandingPage_2880X1800px.jpg?w=768&amp;quality=70 2x\" media=\"(min-width: 0)\"\/><img decoding=\"async\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2022\/10\/WPR_2023_LandingPage_2880X1800px.jpg\" class=\"header-img header-img-d\" alt=\"\" style=\"object-fit:cover;object-position:44% 62%\" 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\">Digital transformation<\/span><\/div><\/div><div class=\"brandInfo\"><div class=\"brandLogo\"><img decoding=\"async\" loading=\"lazy\" src=\"\/wp-content\/themes\/capgemini2025\/assets\/images\/capgemini-research-institute-white.svg\" alt=\"capgemini-research-institute\" class=\"dark\"\/><img decoding=\"async\" loading=\"lazy\" src=\"\/wp-content\/themes\/capgemini2025\/assets\/images\/capgemini-research-institute.svg\" alt=\"capgemini-research-institute\" class=\"light\"\/><\/div><\/div><\/div><div class=\"box-title\"><h1 data-maxlength=\"34\">World payments report 2023<\/h1><\/div><div class=\"inner-row-insight download-btn\"><\/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=\"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-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=\"opens in a new window\"><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=\"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 class=\"col-12 col-md-11 col-lg-10\"><div class=\"article-text article-quote-text\">\n<h3 class=\"wp-block-heading\" id=\"h-where-is-the-cash-accelerate-corporate-cash-management-transformation-to-build-value\">Where is the cash? Accelerate corporate cash management transformation to build value<\/h3>\n\n\n\n<p>Banks and payment services firms need to rebalance their focus between retail and commercial payments to maximize value, and a one-size-fits-all approach to servicing corporate clients will not be successful.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Meet the changing expectations of corporate treasurers and provide them a 360-degree view of their cash for more efficient working capital management.<\/li>\n\n\n\n<li>Prioritize top-down commitment, cohesive planning, and structural reforms to make transaction banking digital transformation happen, including more effective cash management services.<\/li>\n\n\n\n<li>Build strategic cash management relationships with corporate clients to reduce competitor disintermediation and increase cross-sell and up-sell opportunities.<\/li>\n<\/ul>\n\n\n\n<div style=\"height:2px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/go.capgeminigroup.com\/l\/95412\/2023-09-12\/7tbpd6\/95412\/1694547172idbuBtLE\/WPR_2023_web.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Download our report<\/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\">Key highlights<\/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 opened\"><div class=\"expander-title\" tabindex=\"0\" role=\"button\" aria-pressed=\"true\" aria-expanded=\"true\"><h3 class=\"expander-heading-title\">Highlight 1<\/h3><\/div><div class=\"expander-subtitle\"><p class=\"small-description\">Expanding digital payments infrastructure fuels non-cash transaction volume growth<\/p><\/div><div class=\"expander-content\"><p>Non-cash volume will continue to grow at a CAGR of 15% during the 2022-2027 forecast period on the back of expanding instant payment schemes, initiatives to couple cross-country payment infrastructures, growing adoption of ISO20022, and the proliferation of new payment instruments (wallets, QR code payments, A2A payments, and more).<\/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<embedded report=\"@capgemini\/wpr23-fig1\"><\/embedded>\r\n<script src=\"https:\/\/capgemini.rationalbi.com\/d\/embedded\"><\/script>\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-pressed=\"false\" aria-expanded=\"false\"><h3 class=\"expander-heading-title\">Highlight 2<\/h3><\/div><div class=\"expander-subtitle\"><p class=\"small-description\">High costs and stressed revenues leave little room for innovation<\/p><\/div><div class=\"expander-content\"><p>Managing the volume and velocity of key regulations and industry innovations comes at a signification cost for banks and payments firms. Moreover, revenues are also under pressure \u2013 limiting resources for innovation.<\/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<embedded report=\"@capgemini\/wpr23-fig3\"><\/embedded>\r\n<script src=\"https:\/\/capgemini.rationalbi.com\/d\/embedded\"><\/script>\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-pressed=\"false\" aria-expanded=\"false\"><h3 class=\"expander-heading-title\">Highlight 3<\/h3><\/div><div class=\"expander-subtitle\"><p class=\"small-description\">Enterprises with ineffective cash management services are vulnerable to business upsets<\/p><\/div><div class=\"expander-content\"><p>On average, a multi-national corporate has more than 27 banking relationships to meet all of its treasury needs. Despite multiple banking partners, enterprise clients face challenges across the cash management value chain.<\/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<embedded report=\"@capgemini\/wpr23-fig4\"><\/embedded>\r\n<script src=\"https:\/\/capgemini.rationalbi.com\/d\/embedded\"><\/script>\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-pressed=\"false\" aria-expanded=\"false\"><h3 class=\"expander-heading-title\">Highlight 4<\/h3><\/div><div class=\"expander-subtitle\"><p class=\"small-description\">Employ a layered approach to nurturing strategic relationship with corporate clients<\/p><\/div><div class=\"expander-content\"><p>End-to-end digital transformation in transaction banking requires top-down commitment, cohesive planning, and a unified purpose for structural reforms. Banks and payment firms must pursue a three-layered approach to overcoming legacy barriers.<\/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<embedded report=\"@capgemini\/wpr23-fig5\"><\/embedded>\r\n<script src=\"https:\/\/capgemini.rationalbi.com\/d\/embedded\"><\/script>\n<div class=\"content-more\"><\/div><\/div><\/div><\/div><\/div>\n<\/div><\/div><\/section>\n\n\n<section class=\"section latestStoriesBlock \"><div class=\"container\"><div class=\"contentTitle\"><h2 class=\"story-heading\">Related research and insights<\/h2><\/div><div class=\"bleedImageWrapper row \"><div class=\"col-md-4 storyBox\">\n\t\t\t\t\t<div class=\"storyInfo FirstStoryTextInFourStories\">\n\t\t\t\t\t\t<span class=\"storyTag\">Report<\/span>\n\t\t\t\t\t\t<a class=\"storyTitle\" href=\"\/insights\/research-library\/world-payments-report\/\" aria-label=\"World Payments Report 2025\" ><h3 class=\"story-subtitle\">World Payments Report 2025<\/h3><\/a>\n\t\t\t\t\t\t<p>Velocity, meet value: Lead in the open and instant future of payments<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div><div class=\"col-md-8 storyBox\">\n\t\t\t\t<div class=\"imageWrapper imgWrapperFourStories escaper escaper-right\">\n\t\t\t\t\t<a href=\"\/insights\/research-library\/world-payments-report\/\" aria-label=\"World Payments Report 2025\"  tabindex=\"-1\">\n\t\t\t\t\t<picture>\n\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/09\/WPR25_Landing-page-banner_2880x1800px-copy.jpg?w=1024&#038;quality=70\"\n\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<source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/09\/WPR25_Landing-page-banner_2880x1800px-copy.jpg?w=1024&#038;quality=70\"\n\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<source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/09\/WPR25_Landing-page-banner_2880x1800px-copy.jpg?w=500&#038;quality=70\"\n\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<img decoding=\"async\" loading=\"lazy\" class=\"box-img\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/09\/WPR25_Landing-page-banner_2880x1800px-copy.jpg\" alt=\"\" style=\"object-position: 0% 0%; object-fit: cover;\">\n\t\t\t\t\t\t\t<\/picture>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t<\/div><\/div><div class=\"row\"><div class=\"col-md-4 col-right\">\n\t\t\t\t\t\t<div class=\"storyBox\">\n\t\t\t\t\t\t\t<div class=\"imageWrapper\">\n\t\t\t\t\t\t\t\t<a href=\"\/insights\/research-library\/payments-top-trends-2024\/\" aria-label=\"Top trends in payments 2024\"  tabindex=\"-1\">\n\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 srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/12\/TT24_Payments_landing-page-banner.jpg?w=300&#038;quality=70\"\n\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<source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/12\/TT24_Payments_landing-page-banner.jpg?w=300&#038;quality=70\"\n\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<source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/12\/TT24_Payments_landing-page-banner.jpg?w=300&#038;quality=70\"\n\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<img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/12\/TT24_Payments_landing-page-banner.jpg\" alt=\"\" style=\"object-position: 0% 0%; object-fit: cover;\" \/>\n\t\t\t\t\t\t\t\t\t<\/picture>\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"storyInfo\">\n\t\t\t\t\t\t\t\t<span class=\"storyTag\">Report<\/span>\n\t\t\t\t\t\t\t\t<a class=\"storyTitle\" href=\"\/insights\/research-library\/payments-top-trends-2024\/\"  aria-label=\"Top trends in payments 2024\">\n\t\t\t\t\t\t\t\t\t<h3 class=\"story-subtitle\">Top trends in payments 2024<\/h3>\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<p>Industry challenges and opportunities for payment firm transformation in the coming year.<\/p>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div><div class=\"col-md-4 col-right\">\n\t\t\t\t\t\t<div class=\"storyBox\">\n\t\t\t\t\t\t\t<div class=\"imageWrapper\">\n\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.finextra.com\/the-long-read\/786\/why-cash-management-dominates-capgeminis-world-payments-report\" aria-label=\"Why cash management dominates Capgemini\u2019s World Payments Report\" target=&quot;_blank&quot; tabindex=\"-1\">\n\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 srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/10\/WPR-Article-BG-2.jpg?w=300&#038;quality=70\"\n\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<source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/10\/WPR-Article-BG-2.jpg?w=300&#038;quality=70\"\n\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<source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/10\/WPR-Article-BG-2.jpg?w=300&#038;quality=70\"\n\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<img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/10\/WPR-Article-BG-2.jpg\" alt=\"\" style=\"object-position: 0% 0%; object-fit: cover;\" \/>\n\t\t\t\t\t\t\t\t\t<\/picture>\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"storyInfo\">\n\t\t\t\t\t\t\t\t<span class=\"storyTag\">Article<\/span>\n\t\t\t\t\t\t\t\t<a class=\"storyTitle\" href=\"https:\/\/www.finextra.com\/the-long-read\/786\/why-cash-management-dominates-capgeminis-world-payments-report\" target=&quot;_blank&quot; aria-label=\"Why cash management dominates Capgemini\u2019s World Payments Report\">\n\t\t\t\t\t\t\t\t\t<h3 class=\"story-subtitle\">Why cash management dominates Capgemini\u2019s World Payments Report<\/h3>\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<p>Finextra sits down with Capgemini\u2019s Jeroen H\u00f6lscher, global head of payment services.<\/p>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div><div class=\"col-md-4 col-right\">\n\t\t\t\t\t\t<div class=\"storyBox\">\n\t\t\t\t\t\t\t<div class=\"imageWrapper\">\n\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.frog.co\/insights\/chief-challenges\/banking-on-invisibility\" aria-label=\"Banking on invisibility\" target=&quot;_blank&quot; tabindex=\"-1\">\n\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 srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2021\/05\/API-banking-3.jpg?w=300&#038;quality=70\"\n\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<source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2021\/05\/API-banking-3.jpg?w=300&#038;quality=70\"\n\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<source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2021\/05\/API-banking-3.jpg?w=300&#038;quality=70\"\n\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<img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2021\/05\/API-banking-3.jpg\" alt=\"\" style=\"object-position: 0% 0%; object-fit: cover;\" \/>\n\t\t\t\t\t\t\t\t\t<\/picture>\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"storyInfo\">\n\t\t\t\t\t\t\t\t<span class=\"storyTag\">Report<\/span>\n\t\t\t\t\t\t\t\t<a class=\"storyTitle\" href=\"https:\/\/www.frog.co\/insights\/chief-challenges\/banking-on-invisibility\" target=&quot;_blank&quot; aria-label=\"Banking on invisibility\">\n\t\t\t\t\t\t\t\t\t<h3 class=\"story-subtitle\">Banking on invisibility<\/h3>\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<p><\/p>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div><\/div><\/section>\n\n\n<section class=\"wp-block-cg-blocks-intro-para undefined section section--intro\"><div class=\"intro-para\"><div class=\"container\"><div class=\"row\"><div class=\"col-12 col-md-11 col-lg-10\"><h2 class=\"intro-para-title\">Client stories<\/h2><\/div><\/div><\/div><\/div><\/section>\n\n\n\t<section class=\"wp-block-cg-blocks-wrapper-learning-slider section learning-slider\">\n\t\t<div class=\"container\">\n\t\t\t<div class=\"learning-header\">\n\t\t\t\t\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\n\t<div class=\"slider slider-fader\">\n\t\t\t\t<div class=\"slider-list\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"slide active card-learning-slide right-card short-copy\" data-align-right=\"false\" data-long-copy=\"false\">\n\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t<div class=\"slide-bg-wrapper\">\n\n                                        \n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n                                            \n                                            \n                                            \n                                            <img decoding=\"async\" loading=\"lazy\" class=\"slide-bg d-md-block\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/07\/Tokenized-Transition-Google-Cloud-Platform-CapCom-Banner-2880x1800-1.jpg\" alt=\"\" style=\"object-position: 50% 50%;object-fit: cover\" \/>\n                                        \n\n                  \t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"slide-reveal\"><\/div>\n\n\t\t\t\t\t\t\t\t\t\t<div class=\"container slide-info-wrapper card-learning-slider\">\n\t\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\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"col-12 col-lg-10 col-xl-6 col-xxl-6 right-card\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"slide-info short-copy\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"box\">\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\t\t\t\t\t\t\t<a class=\"title-link\" href=\"\/news\/client-stories\/transforming-data-protection-accelerates-payment-technology-providers-cloud-journey\/\" target=\"\" rel=\"noopener noreferrer\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"title-text\" data-maxlength=\"88\">Accelerating the cloud journey<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/a>\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\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p data-maxlength=\"330\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tTransforming data protection accelerates payment technology provider\u2019s cloud journey.\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/p>\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<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"box-bottom\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"col-12 col-md-6\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"slide-info-footer\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"brand-logo-wrapper\">\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<\/div>\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<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"col-12 col-md-6\">\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<div class=\"btnDiv\">\t<a class=\"more2\" aria-label=\"Read the story o Accelerating the cloud journey\" href=\"\/news\/client-stories\/transforming-data-protection-accelerates-payment-technology-providers-cloud-journey\/\" target=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tRead the story\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\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\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<\/div>\n\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<\/div>\n\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t         \t\t\t<\/div>\n\n\n\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"slide active card-learning-slide right-card short-copy\" data-align-right=\"false\" data-long-copy=\"false\">\n\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t<div class=\"slide-bg-wrapper\">\n\n                                        \n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n                                            \n                                            \n                                            \n                                            <img decoding=\"async\" loading=\"lazy\" class=\"slide-bg d-md-block\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/04\/23-Insights-JPM_DM-Header-1.png\" alt=\"\" style=\"object-position: 50% 50%;object-fit: cover\" \/>\n                                        \n\n                  \t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"slide-reveal\"><\/div>\n\n\t\t\t\t\t\t\t\t\t\t<div class=\"container slide-info-wrapper card-learning-slider\">\n\t\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\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"col-12 col-lg-10 col-xl-6 col-xxl-6 right-card\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"slide-info short-copy\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"box\">\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\t\t\t\t\t\t\t<a class=\"title-link\" href=\"https:\/\/www.frog.co\/designmind\/return-on-innovation-winning-in-invisible-banking\" target=\"\" rel=\"noopener noreferrer\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"title-text\" data-maxlength=\"88\">Return on innovation: Winning in invisible banking<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/a>\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\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p data-maxlength=\"330\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tHow can wearable payments enable seamless experiences for resorts, gaming, and beyond with a fashion-forward approach?\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/p>\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<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"box-bottom\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"col-12 col-md-6\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"slide-info-footer\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"brand-logo-wrapper\">\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<\/div>\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<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"col-12 col-md-6\">\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<div class=\"btnDiv\">\t<a class=\"more2\" aria-label=\"Explore on frog.co o Return on innovation: Winning in invisible banking\" href=\"https:\/\/www.frog.co\/designmind\/return-on-innovation-winning-in-invisible-banking\" target=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tExplore on 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name=\"_mf_892013_5157\" placeholder=\"Job Title\" required \/><label for=\"_mf_892013_5157_4193822919\" class=\"form-label\">Job Title <span class=\"star-required\">*<\/span><\/label><div class=\"invalid-feedback-frm\" role=\"alert\">Job Title s\u0105 nieprawid\u0142owe.<\/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_892013_4843_792528477\" class=\"floating__label form-country-select-label\" data-content=\"Country\">\n\t\t\t\t<span class=\"floating-label-content\">Country<\/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_892013_4843_792528477\" class=\"mf_field__input empty mf-country-selectbox form_country_select\" name=\"_mf_892013_4843\" data-validate=\"select\" required>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"\"  selected='selected'>Kraj<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AF\" >Afganistan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AL\" >Albania<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"DZ\" >Algieria<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AD\" >Andora<\/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\" >Antarktyda<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AG\" >Antigua i Barbuda<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AN\" >Antyle Niderlandzkie<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SA\" >Arabia Saudyjska<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AR\" >Argentyna<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AM\" >Armenia<\/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\" >Australia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AT\" >Austria<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AZ\" >Azerbejd\u017can<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BS\" >Bahamy<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BH\" >Bahrajn<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BD\" >Bangladesz<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BB\" >Barbados<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BE\" >Belgia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BZ\" >Belize<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BJ\" >Benin<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BM\" >Bermudy<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BT\" >Bhutan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BY\" >Bia\u0142oru\u015b<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MM\" >Birma<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BO\" >Boliwia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BW\" >Botswana<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BA\" >Bo\u015bnia i Hercegowina<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BR\" >Brazylia<\/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=\"IO\" >Brytyjskie Terytorium Oceanu Indyjskiego<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VG\" >Brytyjskie Wyspy Dziewicze<\/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=\"BG\" >Bu\u0142garia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CL\" >Chile<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CN\" >Chiny<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"HR\" >Chorwacja<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CY\" >Cypr<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TD\" >Czad<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ME\" >Czarnog\u00f3ra<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"UM\" >Dalekie Wyspy Mniejsze Stan\u00f3w Zjednoczonych<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"DK\" >Dania<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"DM\" >Dominika<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"DO\" >Dominikana<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"DJ\" >D\u017cibuti<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"EG\" >Egipt<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"EC\" >Ekwador<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ER\" >Erytrea<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"EE\" >Estonia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ET\" >Etiopia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"FK\" >Falklandy (Malwiny)<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"RU\" >Federacja Rosyjska<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"FJ\" >Fid\u017ci<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PH\" >Filipiny<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"FI\" >Finlandia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"FR\" >Francja<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TF\" >Francuskie Terytoria Po\u0142udniowe<\/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\" >Gambia<\/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=\"GR\" >Grecja<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GD\" >Grenada<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GL\" >Grenlandia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GE\" >Gruzja<\/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=\"GG\" >Guernsey<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GY\" >Gujana<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GF\" >Gujana Francuska<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GP\" >Gwadelupa<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GT\" >Gwatemala<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GN\" >Gwinea<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GW\" >Gwinea Bissau<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GQ\" >Gwinea R\u00f3wnikowa<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"HT\" >Haiti<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ES\" >Hiszpania<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NL\" >Holandia<\/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=\"IN\" >Indie<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ID\" >Indonezja<\/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, Republika Islamska<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IE\" >Irlandia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IS\" >Islandia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IL\" >Izrael<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"JM\" >Jamajka<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"JP\" >Japonia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"YE\" >Jemen<\/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\" >Jordania<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KY\" >Kajmany<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KH\" >Kambod\u017ca<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CM\" >Kamerun<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CA\" >Kanada<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"QA\" >Katar<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KZ\" >Kazachstan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KE\" >Kenia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KG\" >Kirgistan<\/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=\"CO\" >Kolumbia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KM\" >Komory<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CG\" >Kongo<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CD\" >Kongo, Republika Demokratyczna<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KR\" >Korea<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CR\" >Kostaryka<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CU\" >Kuba<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KW\" >Kuwejt<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LA\" >Laota\u0144ska Republika Ludowo-Demokratyczna<\/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=\"LB\" >Liban<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LR\" >Liberia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LY\" >Libijska Arabska D\u017camahirijja<\/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\" >Litwa<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LU\" >Luksemburg<\/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\" >Macedonia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MG\" >Madagaskar<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"YT\" >Majotta<\/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\" >Malediwy<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MY\" >Malezja<\/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\" >Malta<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MP\" >Mariany P\u00f3\u0142nocne<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MA\" >Maroko<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MQ\" >Martynika<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MR\" >Mauretania<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MU\" >Mauritius<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MX\" >Meksyk<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"FM\" >Mikronezja, Sfederowane Stany Mikronezji<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MC\" >Monako<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MN\" >Mongolia<\/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=\"MZ\" >Mozambik<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MD\" >Mo\u0142dawia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NA\" >Namibia<\/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=\"NP\" >Nepal<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"DE\" >Niemcy<\/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=\"NI\" >Nikaragua<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NU\" >Niue<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NO\" >Norwegia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NC\" >Nowa Kaledonia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NZ\" >Nowa Zelandia<\/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=\"PK\" >Pakistan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PW\" >Palau<\/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\" >Papua Nowa Gwinea<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PY\" >Paragwaj<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PE\" >Peru<\/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=\"PF\" >Polinezja Francuska<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PL\" >Polska<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PR\" >Portoryko<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PT\" >Portugalia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GS\" >Po\u0142udniowa Georgia i Sandwich Isl.<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CZ\" >Republika Czeska<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ZA\" >Republika Po\u0142udniowej Afryki<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CF\" >Republika \u015arodkowej Afryki<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"RE\" >Reunion<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"RO\" >Rumunia<\/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=\"EH\" >Sahara Zachodnia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BL\" >Saint Barthelemy<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KN\" >Saint Kitts i Nevis<\/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=\"PM\" >Saint Pierre i Miquelon<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VC\" >Saint Vincent i Grenadyny<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SV\" >Salwador<\/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 Ameryka\u0144skie<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SM\" >San Marino<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SN\" >Senegal<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"RS\" >Serbia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SC\" >Seszele<\/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\" >Singapur<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SO\" >Somalia<\/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=\"US\" >Stany Zjednoczone<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VA\" >Stolica Apostolska (Pa\u0144stwo Watyka\u0144skie)<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SZ\" >Suazi<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SD\" >Sudan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SR\" >Surinam<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SJ\" >Svalbard i Jan Mayen<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SY\" >Syryjska Republika Arabska<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CH\" >Szwajcaria<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SE\" >Szwecja<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SK\" >S\u0142owacja<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SI\" >S\u0142owenia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TJ\" >Tad\u017cykistan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TH\" >Tajlandia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TW\" >Tajwan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TZ\" >Tanzania<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PS\" >Terytoria Palesty\u0144skie<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TL\" >Timor Wschodni<\/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\" >Tokelau<\/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\" >Trynidad i Tobago<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TN\" >Tunezja<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TR\" >Turcja<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TM\" >Turkmenistan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TC\" >Turkmenistan<\/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=\"UG\" >Uganda<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"UA\" >Ukraina<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"UY\" >Urugwaj<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"UZ\" >Uzbekistan<\/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=\"WF\" >Wallis i Futuna<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VE\" >Wenezuela<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GB\" >Wielka Brytania<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VN\" >Wietnam<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CI\" >Wybrze\u017ce Ko\u015bci S\u0142oniowej<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BV\" >Wyspa Bouveta<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CX\" >Wyspa Bo\u017cego Narodzenia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"HM\" >Wyspa Heard i Wyspy Mcdonalda<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IM\" >Wyspa Man<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NF\" >Wyspa Norfolk<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LC\" >Wyspa Saint Lucia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AX\" >Wyspy Alandzkie<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CK\" >Wyspy Cooka<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VI\" >Wyspy Dziewicze, USA.<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CC\" >Wyspy Kokosowe (Keelinga)<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MH\" >Wyspy Marshalla<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"FO\" >Wyspy Owcze<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SB\" >Wyspy Salomona<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CV\" >Wyspy Zielonego Przyl\u0105dka<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ST\" >Wyspy \u015awi\u0119tego Tomasza i Ksi\u0105\u017c\u0119ca<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"HU\" >W\u0119gry<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IT\" >W\u0142ochy<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ZM\" >Zambia<\/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\t\t<option value=\"AE\" >Zjednoczone Emiraty Arabskie<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LV\" >\u0141otwa<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SH\" >\u015awi\u0119ta Helena<\/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\">Country s\u0105 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Prosz\u0119 spr\u00f3bowa\u0107 ponownie.<\/p>\n\t\t\t<\/div>\n\t\t\t\t<\/div>\n\n\t\t<script>\n\t\t\twindow.MF_CONFIG905218 = {\"905218\":{\"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\">Meet our experts<\/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\/2021\/05\/Nilesh-Vaidya-2.jpg\" alt=\"\"\/><\/div><div class=\"right col-md-12 col-8\"><h3>Nilesh Vaidya<\/h3><p class=\"box-position\">Global Industry Head \u2013 Retail Banking &amp; Wealth Management<\/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\/2021\/06\/Jeroen-Holscher-2-2.jpg\" alt=\"\"\/><\/div><div class=\"right col-md-12 col-8\"><h3>Jeroen Holscher<\/h3><p class=\"box-position\">Expert in Banking, Cash management, 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\/2021\/05\/ghanem-elias-new-1.jpg\" alt=\"\"\/><\/div><div class=\"right col-md-12 col-8\"><h3>Elias Ghanem<\/h3><p class=\"box-position\">Global Head of Capgemini Research Institute for Financial 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\/2021\/05\/christophe-vergne3-1-1.jpg\" alt=\"\"\/><\/div><div class=\"right col-md-12 col-8\"><h3>Christophe Vergne<\/h3><p class=\"box-position\">Expert in Cards and 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\/2022\/03\/Venu-PSV.jpg\" alt=\"\"\/><\/div><div class=\"right col-md-12 col-8\"><h3>Venugopal PSV<\/h3><p class=\"box-position\">Senior Director, Cards and Payments practice<\/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\/pl-pl\/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\/pl-pl\/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\/pl-pl\/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\/pl-pl\/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\/pl-pl\/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<\/div><\/div><\/div><\/section>\n<\/div>\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\">Executive Roundtable participants<\/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\/2022\/10\/Nicolas-Caily.jpg\" alt=\"\"\/><\/div><div class=\"right col-md-12 col-8\"><h3>Nicolas Cailly<\/h3><p class=\"box-position\">Global Head of Payments &amp; Cash Management<\/p><p class=\"box-company\">Societe Generale<\/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\/2022\/10\/Paul-Van-Sint-Fiet.jpg\" alt=\"\"\/><\/div><div class=\"right col-md-12 col-8\"><h3>Paul Van Sint Fiet<\/h3><p class=\"box-position\">Head of Cross-Currency Solutions, APAC<\/p><p class=\"box-company\">JP Morgan Chase &amp; Co.<\/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\/2022\/10\/Wim-Groseman.jpg\" alt=\"\"\/><\/div><div class=\"right col-md-12 col-8\"><h3>Wim Grosemans<\/h3><p class=\"box-position\">Global Head of Product Management &#8211; Payments &amp; Receivables &#8211; Cash Management<\/p><p class=\"box-company\">BNP Paribas<\/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\/2022\/10\/Sailesh-Panchal.jpg\" alt=\"\"\/><\/div><div class=\"right col-md-12 col-8\"><h3>Sailesh Panchal<\/h3><p class=\"box-position\">Director, Digital Transformation Advisory<\/p><p class=\"box-company\">TSB 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\/2022\/10\/Jan-Rottiers.jpg\" alt=\"\"\/><\/div><div class=\"right col-md-12 col-8\"><h3>Jan Rottiers<\/h3><p class=\"box-position\">Head of Liquidity Management Solutions for Corporates<\/p><p class=\"box-company\">BNP Paribas<\/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\/2022\/10\/Rachel-Wheelan.jpg\" alt=\"\"\/><\/div><div class=\"right col-md-12 col-8\"><h3>Rachel Whelan<\/h3><p class=\"box-position\">Managing Director, APAC Head of Corporate Cash Management &amp; Global Head of Payments &amp; Transactional FX Product Management<\/p><p class=\"box-company\">Deutsche Bank<\/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\/pl-pl\/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\/pl-pl\/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\/pl-pl\/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\/pl-pl\/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\/pl-pl\/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<\/div><\/div><\/div><\/section>\n<\/div>\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 has-description\"><div class=\"text-wrapper has-description\"><h3 class=\"title\" 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loading=\"lazy\" src=\"\/wp-content\/themes\/capgemini2025\/assets\/images\/logo.svg\" alt=\"logo\" class=\"light\"\/><\/div><h4 class=\"form-title\">Subscribe<\/h4>\t\t<div class=\"mf_forms__container \">\n\t\t\t\t\t\t\t\t<form id=\"mf_form_905218_3826819343\" 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_892013_4372_1157452107\" name=\"_mf_892013_4372\" placeholder=\"First Name\" required \/><label for=\"_mf_892013_4372_1157452107\" class=\"form-label\">First Name <span class=\"star-required\">*<\/span><\/label><div class=\"invalid-feedback-frm\" role=\"alert\">First Name s\u0105 nieprawid\u0142owe.<\/div><\/div><div class=\"mf-field-wrapper form-floating col-sm-12\"><input type=\"text\" class=\"form-control\" id=\"_mf_892013_6330_1455920910\" name=\"_mf_892013_6330\" placeholder=\"Last 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role=\"alert\">Company s\u0105 nieprawid\u0142owe.<\/div><\/div><div class=\"mf-field-wrapper form-floating col-sm-12\"><input type=\"text\" class=\"form-control\" id=\"_mf_892013_5157_1804761060\" name=\"_mf_892013_5157\" placeholder=\"Job Title\" required \/><label for=\"_mf_892013_5157_1804761060\" class=\"form-label\">Job Title <span class=\"star-required\">*<\/span><\/label><div class=\"invalid-feedback-frm\" role=\"alert\">Job Title s\u0105 nieprawid\u0142owe.<\/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_892013_4843_4287964534\" class=\"floating__label form-country-select-label\" data-content=\"Country\">\n\t\t\t\t<span class=\"floating-label-content\">Country<\/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_892013_4843_4287964534\" class=\"mf_field__input empty mf-country-selectbox form_country_select\" name=\"_mf_892013_4843\" data-validate=\"select\" required>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"\"  selected='selected'>Kraj<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AF\" >Afganistan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AL\" >Albania<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"DZ\" >Algieria<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AD\" >Andora<\/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\" >Antarktyda<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AG\" >Antigua i Barbuda<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AN\" >Antyle Niderlandzkie<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SA\" >Arabia Saudyjska<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AR\" >Argentyna<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AM\" >Armenia<\/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\" >Australia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AT\" >Austria<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AZ\" >Azerbejd\u017can<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BS\" >Bahamy<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BH\" >Bahrajn<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BD\" >Bangladesz<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BB\" >Barbados<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BE\" >Belgia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BZ\" >Belize<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BJ\" >Benin<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BM\" >Bermudy<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BT\" >Bhutan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BY\" >Bia\u0142oru\u015b<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MM\" >Birma<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BO\" >Boliwia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BW\" >Botswana<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BA\" >Bo\u015bnia i Hercegowina<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BR\" >Brazylia<\/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=\"IO\" >Brytyjskie Terytorium Oceanu Indyjskiego<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VG\" >Brytyjskie Wyspy Dziewicze<\/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=\"BG\" >Bu\u0142garia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CL\" >Chile<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CN\" >Chiny<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"HR\" >Chorwacja<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CY\" >Cypr<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TD\" >Czad<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ME\" >Czarnog\u00f3ra<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"UM\" >Dalekie Wyspy Mniejsze Stan\u00f3w Zjednoczonych<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"DK\" >Dania<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"DM\" >Dominika<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"DO\" >Dominikana<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"DJ\" >D\u017cibuti<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"EG\" >Egipt<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"EC\" >Ekwador<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ER\" >Erytrea<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"EE\" >Estonia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ET\" >Etiopia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"FK\" >Falklandy (Malwiny)<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"RU\" >Federacja Rosyjska<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"FJ\" >Fid\u017ci<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PH\" >Filipiny<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"FI\" >Finlandia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"FR\" >Francja<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TF\" >Francuskie Terytoria Po\u0142udniowe<\/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\" >Gambia<\/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=\"GR\" >Grecja<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GD\" >Grenada<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GL\" >Grenlandia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GE\" >Gruzja<\/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=\"GG\" >Guernsey<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GY\" >Gujana<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GF\" >Gujana Francuska<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GP\" >Gwadelupa<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GT\" >Gwatemala<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GN\" >Gwinea<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GW\" >Gwinea Bissau<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GQ\" >Gwinea R\u00f3wnikowa<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"HT\" >Haiti<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ES\" >Hiszpania<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NL\" >Holandia<\/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=\"IN\" >Indie<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ID\" >Indonezja<\/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, Republika Islamska<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IE\" >Irlandia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IS\" >Islandia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IL\" >Izrael<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"JM\" >Jamajka<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"JP\" >Japonia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"YE\" >Jemen<\/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\" >Jordania<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KY\" >Kajmany<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KH\" >Kambod\u017ca<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CM\" >Kamerun<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CA\" >Kanada<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"QA\" >Katar<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KZ\" >Kazachstan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KE\" >Kenia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KG\" >Kirgistan<\/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=\"CO\" >Kolumbia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KM\" >Komory<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CG\" >Kongo<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CD\" >Kongo, Republika Demokratyczna<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KR\" >Korea<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CR\" >Kostaryka<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CU\" >Kuba<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KW\" >Kuwejt<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LA\" >Laota\u0144ska Republika Ludowo-Demokratyczna<\/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=\"LB\" >Liban<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LR\" >Liberia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LY\" >Libijska Arabska D\u017camahirijja<\/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\" >Litwa<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LU\" >Luksemburg<\/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\" >Macedonia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MG\" >Madagaskar<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"YT\" >Majotta<\/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\" >Malediwy<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MY\" >Malezja<\/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\" >Malta<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MP\" >Mariany P\u00f3\u0142nocne<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MA\" >Maroko<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MQ\" >Martynika<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MR\" >Mauretania<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MU\" >Mauritius<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MX\" >Meksyk<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"FM\" >Mikronezja, Sfederowane Stany Mikronezji<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MC\" >Monako<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MN\" >Mongolia<\/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=\"MZ\" >Mozambik<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MD\" >Mo\u0142dawia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NA\" >Namibia<\/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=\"NP\" >Nepal<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"DE\" >Niemcy<\/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=\"NI\" >Nikaragua<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NU\" >Niue<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NO\" >Norwegia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NC\" >Nowa Kaledonia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NZ\" >Nowa Zelandia<\/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=\"PK\" >Pakistan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PW\" >Palau<\/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\" >Papua Nowa Gwinea<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PY\" >Paragwaj<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PE\" >Peru<\/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=\"PF\" >Polinezja Francuska<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PL\" >Polska<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PR\" >Portoryko<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PT\" >Portugalia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GS\" >Po\u0142udniowa Georgia i Sandwich Isl.<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CZ\" >Republika Czeska<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ZA\" >Republika Po\u0142udniowej Afryki<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CF\" >Republika \u015arodkowej Afryki<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"RE\" >Reunion<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"RO\" >Rumunia<\/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=\"EH\" >Sahara Zachodnia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BL\" >Saint Barthelemy<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KN\" >Saint Kitts i Nevis<\/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=\"PM\" >Saint Pierre i Miquelon<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VC\" >Saint Vincent i Grenadyny<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SV\" >Salwador<\/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 Ameryka\u0144skie<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SM\" >San Marino<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SN\" >Senegal<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"RS\" >Serbia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SC\" >Seszele<\/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\" >Singapur<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SO\" >Somalia<\/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=\"US\" >Stany Zjednoczone<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VA\" >Stolica Apostolska (Pa\u0144stwo Watyka\u0144skie)<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SZ\" >Suazi<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SD\" >Sudan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SR\" >Surinam<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SJ\" >Svalbard i Jan Mayen<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SY\" >Syryjska Republika Arabska<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CH\" >Szwajcaria<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SE\" >Szwecja<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SK\" >S\u0142owacja<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SI\" >S\u0142owenia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TJ\" >Tad\u017cykistan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TH\" >Tajlandia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TW\" >Tajwan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TZ\" >Tanzania<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PS\" >Terytoria Palesty\u0144skie<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TL\" >Timor Wschodni<\/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\" >Tokelau<\/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\" >Trynidad i Tobago<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TN\" >Tunezja<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TR\" >Turcja<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TM\" >Turkmenistan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TC\" >Turkmenistan<\/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=\"UG\" >Uganda<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"UA\" >Ukraina<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"UY\" >Urugwaj<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"UZ\" >Uzbekistan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VU\" 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Prosz\u0119 spr\u00f3bowa\u0107 ponownie.<\/p>\n\t\t\t<\/div>\n\t\t\t\t<\/div>\n\n\t\t<script>\n\t\t\twindow.MF_CONFIG905218 = {\"905218\":{\"errors\":[],\"redirect\":\"\"}};\n\t\t<\/script>\n\t<\/div><\/div><\/div><\/div><\/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\"><br>Explore our financial services<\/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=\"Payments\" href=\"\/industries\/banking-and-capital-markets\/cards-and-payments\/\" target=\"\" rel=\"noopener noreferrer\" title=\"opens in a new window\"><h3 class=\"card-subtitle\">Payments<\/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=\"Banking and capital markets\" href=\"\/industries\/banking-and-capital-markets\/\" target=\"\" rel=\"noopener noreferrer\" title=\"opens in a new window\"><h3 class=\"card-subtitle\">Banking and capital markets<\/h3><\/a><\/div><\/div><\/div>\n<\/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 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\">View previous years&#8217; World Payments Reports<\/h3><\/div><div class=\"expander-content\"><p><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<\/div><\/div><\/section>\n","protected":false},"excerpt":{"rendered":"<p>Where is the cash? Accelerate corporate cash management transformation to build value<\/p>\n","protected":false},"author":439,"featured_media":905205,"template":"","meta":{"cg_dt_proposed_to":[],"cg_seo_hreflang_relations":"[]","cg_seo_canonical_relation":"","cg_seo_hreflang_x_default_relation":"{\"uuid\":\"1ca13b4c-b992-4548-9c33-4bf8289b74b8\",\"blogId\":\"\",\"domain\":\"\",\"sitePath\":\"\",\"postLink\":\"\",\"postId\":null,\"isSaved\":true,\"isCrossLink\":false,\"hasCrossLink\":false}","cg_dt_approved_content":true,"cg_dt_mandatory_content":false,"cg_dt_notes":"","cg_dg_source_changed":true,"cg_dt_link_disabled":false,"footnotes":"","related_resource_url":"","related_resource_id":0,"related_resource_size":"","related_resource_type":"","cg_author":0,"_yoast_wpseo_primary_theme":369,"primary_term":"Digital transformation","featured_focal_points":""},"tags":[],"research-and-insight-type":[217,227],"theme":[369],"brand":[220],"service":[],"industry":[209],"partners":[],"content-group":[],"class_list":["post-905204","research-and-insight","type-research-and-insight","status-publish","has-post-thumbnail","hentry","research-and-insight-type-capgemini-research-institute","research-and-insight-type-report","theme-digital-transformation","brand-capgemini-research-institute","industry-banking-capital-markets"],"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>World payments report 2023 - Capgemini Poland<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.capgemini.com\/pl-pl\/insights\/biblioteka\/world-payments-report-2023\/\" \/>\n<meta property=\"og:locale\" content=\"pl_PL\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"World payments report 2023\" \/>\n<meta property=\"og:description\" content=\"Where is the cash? 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