{"id":5320,"date":"2021-06-09T18:23:37","date_gmt":"2021-06-09T16:23:37","guid":{"rendered":"https:\/\/www.cashlab.fr\/?p=5320"},"modified":"2024-03-20T16:43:34","modified_gmt":"2024-03-20T15:43:34","slug":"the-future-of-payments-interview-de-marion-laboure","status":"publish","type":"post","link":"https:\/\/www.cashlab.fr\/en\/the-future-of-payments-interview-de-marion-laboure\/","title":{"rendered":"\u00ab\u00a0The Future of Payments\u00a0\u00bb &#8211; Interview de Marion Laboure"},"content":{"rendered":"<p>[et_pb_section fb_built=\u00a0\u00bb1&Prime; _builder_version=\u00a0\u00bb4.18.0&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb width=\u00a0\u00bb100%\u00a0\u00bb max_width=\u00a0\u00bb1400px\u00a0\u00bb module_alignment=\u00a0\u00bbcenter\u00a0\u00bb custom_padding=\u00a0\u00bb8px|||||\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_row _builder_version=\u00a0\u00bb4.18.0&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb width=\u00a0\u00bb100%\u00a0\u00bb max_width=\u00a0\u00bb1400px\u00a0\u00bb custom_padding=\u00a0\u00bb40px|40px|40px|40px|true|true\u00a0\u00bb box_shadow_style=\u00a0\u00bbpreset3&Prime; global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb4_4&Prime; _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_code _builder_version=\u00a0\u00bb4.18.0&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<span><span><a href=\"https:\/\/www.cashlab.fr\/\">Accueil<\/a><\/span><\/span>[\/et_pb_code][et_pb_text _builder_version=\u00a0\u00bb4.17.4&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb header_3_font=\u00a0\u00bbOpen Sans|600|||||||\u00a0\u00bb header_3_font_size=\u00a0\u00bb20px\u00a0\u00bb header_3_line_height=\u00a0\u00bb1.2em\u00a0\u00bb text_orientation=\u00a0\u00bbjustified\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<p><strong>Marion Laboure, \u00e9conomiste chez Deutsche Bank, revient pour Cashlab sur sa derni\u00e8re \u00e9tude : \u00ab The Future of Payments \u00bb.<\/strong><\/p>\n<p>D\u00e9but 2020, 4000 consommateurs ont \u00e9t\u00e9 interrog\u00e9s sur les paiements. Les sujets abord\u00e9s traitaient du cash, des cryptos\u2026 Compte tenu du succ\u00e8s rencontr\u00e9, il a \u00e9t\u00e9 d\u00e9cid\u00e9 de renouveler l\u2019exp\u00e9rience sur du B2B. Nous avons mis environ 6 mois pour mener notre enqu\u00eate B2B, nous avons interview\u00e9 600 Corporates, et retenu 250.<\/p>\n<p>&nbsp;<\/p>\n<h3 style=\"text-align: left;\"><strong>De mani\u00e8re g\u00e9n\u00e9rale, quelles sont les 3 principales tendances qui ressortent de votre \u00e9tude ?<\/strong><\/h3>\n<blockquote>\n<p>\u00ab\u00a0<strong>La premi\u00e8re tendance<\/strong>, c\u2019est clairement la d\u00e9mat\u00e9rialisation, avec l\u2019utilisation g\u00e9n\u00e9ralis\u00e9e des virements, des paiements par carte, des pr\u00e9l\u00e8vements automatiques et des factures en ligne. Bien s\u00fbr, ce n\u2019est pas un ph\u00e9nom\u00e8ne nouveau, mais le contexte l\u2019a largement amplifi\u00e9.<\/p>\n<p><strong>La seconde tendance<\/strong>, c\u2019est la baisse de l\u2019utilisation du cash, probablement aliment\u00e9 par les innovations comme le paiement instantan\u00e9, l\u2019int\u00e9gration des API, l\u2019intelligence artificielle, l\u2019automatisation&#8230; Les paiements en cash \u00e9taient en baisse depuis des ann\u00e9es, mais cela s\u2019est acc\u00e9l\u00e9r\u00e9 par 4 voire par 5 avec la pand\u00e9mie.<\/p>\n<p><strong>La troisi\u00e8me tendance<\/strong>, c\u2019est l\u2019\u00e9volution assez claire des solutions en temps r\u00e9el que la plupart des entreprises vont utiliser, c\u2019est-\u00e0-dire tout ce qui est ACH.<\/p>\n<p>&nbsp;<\/p>\n<p>Ce qui r\u00e9pond \u00e0 3 d\u00e9fis li\u00e9s au paiement des fournisseurs :<\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li>L\u2019approbation des factures et paiements pour respecter les d\u00e9lais de paiement standards<\/li>\n<li>Le traitement manuel, de la documentation bancaire et des KYC notamment<\/li>\n<li>La gestion et mises \u00e0 jour des coordonn\u00e9es bancaires des fournisseurs de mani\u00e8re efficace et organis\u00e9e.\u00a0\u00bb<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>Voir l&rsquo;\u00e9tude en entier : <a href=\"https:\/\/bit.ly\/3ggTj9P\" target=\"_blank\" rel=\"noopener\">https:\/\/bit.ly\/3ggTj9P<\/a><\/p>\n<\/blockquote>\n<p>&nbsp;<\/p>\n<h3 style=\"text-align: left;\"><strong>M\u00eame question autour des tendances observ\u00e9es sp\u00e9cifiquement sur la tr\u00e9sorerie\/le Cash Management ?<\/strong><\/h3>\n<blockquote>\n<p>\u00ab\u00a0C\u2019est surtout la transformation des Business Models. Cela a clairement \u00e9t\u00e9 un th\u00e8me \u00e9mergent de l\u2019enqu\u00eate.<\/p>\n<p>Nous avons identifi\u00e9 4 tendances :<\/p>\n<p><strong>Premi\u00e8rement<\/strong>, le B2C.<\/p>\n<p>Les grandes entreprises investissent de plus en plus dans le B2C. Elles veulent absolument toucher des consommateurs sans passer par des interm\u00e9diaires, avec un int\u00e9r\u00eat croissant pour l\u2019e-commerce. Il faut savoir que sur l\u2019ann\u00e9e 2020, l\u2019e-commerce a augment\u00e9 de 50% en Europe. Et nous pr\u00e9voyons une croissance soutenue jusqu\u2019en 2023. Cela va d\u00e9clencher un besoin de solutions \u00e9videntes.<\/p>\n<p><strong>Deuxi\u00e8me tendance :<\/strong> le temps r\u00e9el.<br \/>La tr\u00e9sorerie en temps r\u00e9el est un enjeu majeur. Beaucoup de tr\u00e9soriers souhaitent pouvoir surveiller et \u00eatre inform\u00e9s des soldes des comptes en temps r\u00e9el, ce qui peut s\u2019av\u00e9rer crucial en temps de crise.<\/p>\n<p><strong>Troisi\u00e8me tendance :<\/strong> les syst\u00e8mes automatis\u00e9s de comptabilit\u00e9 et les technologies de facturation \u00e9lectronique qui sont de plus en plus utilis\u00e9s et demand\u00e9s.<\/p>\n<p><strong>Quatri\u00e8me tendance :<\/strong> la centralisation de la gestion de tr\u00e9sorerie.<br \/>On constate que les tr\u00e9soriers sont pr\u00eats \u00e0 rationaliser leurs comptes bancaires. Point int\u00e9ressant : 20 \u00e0 50% des tr\u00e9soriers ont l\u2019intention de mettre en place des comptes virtuels.\u00a0\u00bb<\/p>\n<\/blockquote>\n<p>&nbsp;<\/p>\n<h3 style=\"text-align: left;\"><strong>Selon vous, quels sont les enjeux de demain autour des fonctions de DAF\/Tr\u00e9sorerie ?<\/strong><\/h3>\n<blockquote>\n<p>\u00ab\u00a0Je pense que la crise a mis en relief des dysfonctionnements importants, dans un monde de plus en plus digital.<\/p>\n<p>Il y a plusieurs d\u00e9fis :<\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li>La protection contre la fraude et l\u2019exposition li\u00e9e \u00e0 la s\u00e9curit\u00e9 des paiements. Il y a eu davantage de fraudes cette ann\u00e9e.<\/li>\n<li>R\u00e9duire le temps consacr\u00e9 aux<strong> erreurs de paiements<\/strong>.<br \/>Les Corporates ont mentionn\u00e9 que 60% des paiements n\u00e9cessitaient encore une intervention manuelle. Et chaque paiement prend environ 20 minutes.<\/li>\n<li>La gestion du <strong>KYC<\/strong>, de la documentation de la banque, et les probl\u00e8mes de conformit\u00e9.<\/li>\n<li>Avoir un acc\u00e8s en <strong>temps r\u00e9el<\/strong> \u00e0 toutes les transactions qui sont effectu\u00e9es dans l\u2019outil.<br \/>Pr\u00e8s de 54% des tr\u00e9soriers estiment que l\u2019un des probl\u00e8mes urgents des paiements transfrontaliers est de retracer les paiements. Car ils n\u2019arrivent pas \u00e0 savoir exactement quels paiements ont \u00e9t\u00e9 ex\u00e9cut\u00e9s.<\/li>\n<li>Suivre l\u2019<strong>\u00e9volution de la technologie<\/strong> au jour le jour.<br \/>Un d\u00e9fi qui finalement rejoint le premier car pour les fraudes il faut \u00eatre \u00e0 jour technologiquement parlant. D&rsquo;ailleurs, selon Google, le nombre de sites de phishing enregistr\u00e9s est \u00e0 peu pr\u00e8s de 2 millions. C&rsquo;est-\u00e0-dire 20% de plus qu&rsquo;il y a un an.<\/li>\n<li>Sortir des solutions de paiements archa\u00efques.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>En effet, presque 50% des Corporates ont des probl\u00e8mes de falsification de ch\u00e8ques, avec un taux de perte d\u2019environ 20%.\u00a0\u00bb<\/p>\n<\/blockquote>\n<p>&nbsp;<\/p>\n<h3 style=\"text-align: left;\"><strong>Vous dites que les dirigeants interrog\u00e9s sont en majorit\u00e9 pr\u00eats \u00e0 automatiser et changer leurs habitudes de paiements, pensez-vous que l&rsquo;ann\u00e9e 2021 pourrait \u00eatre suffisante \u00e0 tous ces changements ?<\/strong><\/h3>\n<blockquote>\n<p>\u00ab\u00a0On a connu une crise majeure, avec un bouleversement des tendances comme en 2007\/2008.<\/p>\n<p>2021 va clairement dans ce sens-l\u00e0.<\/p>\n<p>Car il y a de plus en plus de digitalisation et donc de Real-time pour pouvoir tout monitorer. Ce qui est utile lorsque l&rsquo;on a des probl\u00e8mes de tr\u00e9sorerie, de Cash et que l&rsquo;on a davantage besoin de suivre ses paiements.<\/p>\n<p>Nous verrons tr\u00e8s certainement de nouvelles priorit\u00e9s appara\u00eetre en 2021. Et je pense que la tendance du \u00ab\u00a0paperless\u00a0\u00bb va s&rsquo;intensifier, \u00e0 tous les niveaux comme sur le l\u00e9gal o\u00f9 les signatures \u00e9lectroniques sont maintenant largement r\u00e9pandues.\u00a0\u00bb<\/p>\n<\/blockquote>\n<p>&nbsp;<\/p>\n<h3 style=\"text-align: left;\"><strong>Vous parlez dans vos recherches des risques d&rsquo;inexactitude lors d&rsquo;un pr\u00e9visionnel de tr\u00e9sorerie, pensez-vous que les dirigeants interrog\u00e9s seraient pr\u00eats \u00e0 utiliser un outil d&rsquo;aide \u00e0 la pr\u00e9vision ? Automatis\u00e9 et connect\u00e9 \u00e0 leur ERP ?<\/strong><\/h3>\n<blockquote>\n<p>\u00ab\u00a0Si je replace les choses dans le contexte, \u00e0 peu pr\u00e8s la moiti\u00e9 des tr\u00e9soriers consid\u00e8rent qu&rsquo;ils peuvent <strong>am\u00e9liorer leur efficacit\u00e9<\/strong> dans la pr\u00e9vision de tr\u00e9sorerie. C&rsquo;est de loin le premier et principal gain d&rsquo;efficacit\u00e9 potentiel selon eux.<\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li>Il y en a 1\/3 qui d\u00e9clarent que la gestion des comptes bancaires est une source de gains d&rsquo;efficacit\u00e9.<\/li>\n<li>1\/4 qui veulent am\u00e9liorer tout ce qui a trait au traitement de factures.<\/li>\n<li>1\/5 qui ne sont pas contents des encaissements et veulent am\u00e9liorer leurs processus d&rsquo;encaissements des paiements.<\/li>\n<li>Et 15% des directeurs financiers et tr\u00e9soriers qui voient un gain potentiel d&rsquo;efficacit\u00e9 au niveau des traitements des commandes d&rsquo;achats.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>Donc si on a un outil cl\u00e9 en main, qui aide \u00e0 r\u00e9soudre ces probl\u00e8mes, qui analyse la gestion des d\u00e9penses, qui permet de monitorer les paiements en temps r\u00e9el et d&rsquo;am\u00e9liorer la s\u00e9curit\u00e9, il n\u2019y aura aucune raison pour ne pas s\u2019\u00e9quiper.<\/p>\n<p>En revanche, il faut que ce soit un outil cl\u00e9 en main, plut\u00f4t que plusieurs outils qu&rsquo;il faille impl\u00e9menter de mani\u00e8re diff\u00e9rente.<\/p>\n<p>La plupart des tr\u00e9soriers se concentrent sur <strong>3 priorit\u00e9s<\/strong> maximum dans l&rsquo;ann\u00e9e. Pour des tendances r\u00e9centes comme l&rsquo;intelligence artificielle ou la blockchain, ils n&rsquo;auront pas forc\u00e9ment le temps n\u00e9cessaire \u00e0 leur accorder.\u00a0\u00bb<\/p>\n<\/blockquote>\n<p>&nbsp;<\/p>\n<h3 style=\"text-align: left;\"><strong>Aujourd&rsquo;hui, 48% des dirigeants fran\u00e7ais interrog\u00e9s pensent que leur pr\u00e9visionnel de tr\u00e9sorerie est l&rsquo;\u00e9l\u00e9ment le plus inefficace de leur op\u00e9rationnel financier. Sur quels aspects et \u00e9l\u00e9ments concentrent-ils leur attention en p\u00e9riode de crise ?<\/strong><\/h3>\n<blockquote>\n<p>\u00ab\u00a0La crise a r\u00e9organis\u00e9 les <strong>priorit\u00e9s des DAF<\/strong> et des tr\u00e9soriers. Et je pense qu&rsquo;aujourd&rsquo;hui ils sont plus concentr\u00e9s sur 5 priorit\u00e9s :<\/p>\n<ol>\n<li style=\"list-style-type: none;\">\n<ol>\n<li>Maintenir l&rsquo;acc\u00e8s \u00e0 la liquidit\u00e9 et aux cr\u00e9dits<\/li>\n<li>Mettre en \u0153uvre des proc\u00e9dures de backup<\/li>\n<li>Cr\u00e9er une visibilit\u00e9 totale du Cash avec toutes les transactions du monde entier<\/li>\n<li>D\u00e9terminer les besoins de tr\u00e9sorerie \u00e0 court et moyen termes<\/li>\n<li>\u00c9valuer tout ce qui est \u00ab current exposure \u00bb.<\/li>\n<\/ol>\n<\/li>\n<\/ol>\n<p>Point important : ils se concentrent de plus en plus sur des actions qui apportent du b\u00e9n\u00e9fice \u00e0 court-terme. Cette pratique s\u2019accentue \u00e0 l&rsquo;heure o\u00f9 il y a urgence de rattraper des mois de non-activit\u00e9.\u00a0\u00bb<\/p>\n<\/blockquote>\n<p>&nbsp;<\/p>\n<p>Vous pouvez retrouver l\u2019int\u00e9gralit\u00e9 de l\u2019\u00e9tude via ce lien : <a href=\"https:\/\/bit.ly\/3ggTj9P\" target=\"_blank\" rel=\"noopener\">https:\/\/bit.ly\/3ggTj9P<\/a><\/p>\n<p>&nbsp;<\/p>\n<p style=\"margin: 0in; font-family: 'Open Sans'; font-size: 10.5pt;\"><span style=\"font-weight: bold; color: #2f2f2f; background: white;\">Suivez de pr\u00e8s votre tr\u00e9sorerie de mani\u00e8re claire et optimis\u00e9e avec\u00a0<\/span><a href=\"https:\/\/www.cashlab.fr\"><span style=\"font-weight: bold; background: white;\">notre outil Cashlab<\/span><\/a><span style=\"font-weight: bold; color: #2f2f2f; background: white;\">.<\/span><\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=\u00a0\u00bb4.18.0&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb width=\u00a0\u00bb100%\u00a0\u00bb max_width=\u00a0\u00bb1000px\u00a0\u00bb custom_padding=\u00a0\u00bb|20px||20px|false|true\u00a0\u00bb global_module=\u00a0\u00bb9255&Prime; saved_tabs=\u00a0\u00bball\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb4_4&Prime; _builder_version=\u00a0\u00bb4.17.3&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_text _builder_version=\u00a0\u00bb4.17.3&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_font=\u00a0\u00bb|600|||||||\u00a0\u00bb text_text_color=\u00a0\u00bb#191735&Prime; text_font_size=\u00a0\u00bb30px\u00a0\u00bb custom_margin=\u00a0\u00bb43px|||||\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]Lire aussi..[\/et_pb_text][et_pb_blog fullwidth=\u00a0\u00bboff\u00a0\u00bb posts_number=\u00a0\u00bb3&Prime; include_categories=\u00a0\u00bb60,57&Prime; use_manual_excerpt=\u00a0\u00bboff\u00a0\u00bb _builder_version=\u00a0\u00bb4.17.3&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb header_line_height=\u00a0\u00bb1.2em\u00a0\u00bb custom_margin=\u00a0\u00bb10px||||false|false\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][\/et_pb_blog][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=\u00a0\u00bb1&Prime; admin_label=\u00a0\u00bbFooter\u00a0\u00bb _builder_version=\u00a0\u00bb4.21.0&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb background_color=\u00a0\u00bb#191735&Prime; custom_padding=\u00a0\u00bb||40px||false|false\u00a0\u00bb global_module=\u00a0\u00bb7136&Prime; saved_tabs=\u00a0\u00bball\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_row column_structure=\u00a0\u00bb1_4,1_4,1_4,1_4&Prime; _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb max_width=\u00a0\u00bb1200px\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb1_4&Prime; _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_text admin_label=\u00a0\u00bbLogo\u00a0\u00bb _builder_version=\u00a0\u00bb4.16.0&Prime; custom_margin=\u00a0\u00bb|||-46px||\u00a0\u00bb custom_margin_tablet=\u00a0\u00bb\u00a0\u00bb custom_margin_phone=\u00a0\u00bb|||0px|false|false\u00a0\u00bb custom_margin_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb custom_padding=\u00a0\u00bb30px|||0px|false|false\u00a0\u00bb custom_padding_tablet=\u00a0\u00bb\u00a0\u00bb custom_padding_phone=\u00a0\u00bb\u00a0\u00bb custom_padding_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-2383\" src=\"https:\/\/www.cashlab.fr\/wp-content\/uploads\/2021\/10\/logo-blanc.webp\" alt=\"logo_blanc_Cashlab\" width=\"144\" height=\"27\" style=\"display: block; margin-left: auto; margin-right: auto;\" \/><\/p>\n<p>[\/et_pb_text][et_pb_text admin_label=\u00a0\u00bbA propos (sitemap)\u00a0\u00bb _builder_version=\u00a0\u00bb4.16.0&Prime; text_font=\u00a0\u00bbOpen Sans||||||||\u00a0\u00bb text_text_color=\u00a0\u00bb#FFFFFF\u00a0\u00bb text_font_size=\u00a0\u00bb15px\u00a0\u00bb text_line_height=\u00a0\u00bb1.5em\u00a0\u00bb link_line_height=\u00a0\u00bb1.5em\u00a0\u00bb header_font=\u00a0\u00bbOpen Sans||||||||\u00a0\u00bb header_text_color=\u00a0\u00bb#FFFFFF\u00a0\u00bb header_4_font=\u00a0\u00bbOpen Sans||||||||\u00a0\u00bb header_4_text_color=\u00a0\u00bb#ffffff\u00a0\u00bb header_4_font_size=\u00a0\u00bb19px\u00a0\u00bb custom_margin=\u00a0\u00bb50px|||30px|false|false\u00a0\u00bb custom_margin_tablet=\u00a0\u00bb\u00a0\u00bb custom_margin_phone=\u00a0\u00bb30px||0px|0px|false|false\u00a0\u00bb custom_margin_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb custom_padding=\u00a0\u00bb||0px||false|false\u00a0\u00bb text_font_tablet=\u00a0\u00bb\u00a0\u00bb text_font_phone=\u00a0\u00bb\u00a0\u00bb text_font_last_edited=\u00a0\u00bbon|desktop\u00a0\u00bb text_orientation_tablet=\u00a0\u00bb\u00a0\u00bb text_orientation_phone=\u00a0\u00bbcenter\u00a0\u00bb text_orientation_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<p>\ud83d\udccd1, rue des Prouvaires<br \/>75001 Paris<\/p>\n<p>&nbsp;<\/p>\n<p>Suivez-nous :<\/p>\n<p>[\/et_pb_text][et_pb_social_media_follow url_new_window=\u00a0\u00bboff\u00a0\u00bb icon_color=\u00a0\u00bb#FFFFFF\u00a0\u00bb use_icon_font_size=\u00a0\u00bbon\u00a0\u00bb _builder_version=\u00a0\u00bb4.17.4&Prime; 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text_font=\u00a0\u00bbOpen Sans||||||||\u00a0\u00bb text_text_color=\u00a0\u00bb#FFFFFF\u00a0\u00bb text_font_size=\u00a0\u00bb15px\u00a0\u00bb text_line_height=\u00a0\u00bb1.5em\u00a0\u00bb link_line_height=\u00a0\u00bb1.5em\u00a0\u00bb header_font=\u00a0\u00bbOpen Sans||||||||\u00a0\u00bb header_text_color=\u00a0\u00bb#FFFFFF\u00a0\u00bb header_4_font=\u00a0\u00bbOpen Sans||||||||\u00a0\u00bb header_4_text_color=\u00a0\u00bb#ffffff\u00a0\u00bb header_4_font_size=\u00a0\u00bb19px\u00a0\u00bb custom_margin=\u00a0\u00bb106px|||30px|false|false\u00a0\u00bb custom_margin_tablet=\u00a0\u00bb\u00a0\u00bb custom_margin_phone=\u00a0\u00bb10px||0px|0px|false|false\u00a0\u00bb custom_margin_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb custom_padding=\u00a0\u00bb||0px||false|false\u00a0\u00bb text_font_tablet=\u00a0\u00bb\u00a0\u00bb text_font_phone=\u00a0\u00bb\u00a0\u00bb text_font_last_edited=\u00a0\u00bbon|desktop\u00a0\u00bb text_orientation_tablet=\u00a0\u00bb\u00a0\u00bb text_orientation_phone=\u00a0\u00bbcenter\u00a0\u00bb text_orientation_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<h4><span style=\"color: #ffffff;\">A PROPOS<\/span><\/h4>\n<p><span style=\"color: #ffffff;\"><a style=\"color: #ffffff;\" href=\"https:\/\/www.cashlab.fr\/accueil\/\" target=\"_blank\" rel=\"noopener\">Accueil<\/a><\/span><br \/><span style=\"color: #ffffff;\"><a style=\"color: #ffffff;\" href=\"https:\/\/www.cashlab.fr\/qui-sommes-nous\/\" target=\"_blank\" rel=\"noopener\">Qui sommes-nous ?<\/a><\/span><br \/><span style=\"color: #ffffff;\"><a style=\"color: #ffffff;\" href=\"https:\/\/www.cashlab.fr\/contact\/\" target=\"_blank\" rel=\"noopener\">Contact<\/a><\/span><br \/><span style=\"color: #ffffff;\"><a style=\"color: #ffffff;\" href=\"https:\/\/www.cashlab.fr\/planifier-une-demo\/\" target=\"_blank\" rel=\"noopener\">Planifier une d\u00e9mo<\/a><\/span><br \/><span style=\"color: #ffffff;\"><a style=\"color: #ffffff;\" href=\"https:\/\/www.cashlab.fr\/rejoignez-nous\/\" target=\"_blank\" rel=\"noopener\">Rejoignez-nous !<\/a><\/span><\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=\u00a0\u00bb1_4&Prime; _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_text admin_label=\u00a0\u00bbA propos (sitemap)\u00a0\u00bb _builder_version=\u00a0\u00bb4.20.4&Prime; text_font=\u00a0\u00bbOpen Sans||||||||\u00a0\u00bb text_text_color=\u00a0\u00bb#FFFFFF\u00a0\u00bb text_font_size=\u00a0\u00bb15px\u00a0\u00bb text_line_height=\u00a0\u00bb1.5em\u00a0\u00bb link_line_height=\u00a0\u00bb1.5em\u00a0\u00bb header_font=\u00a0\u00bbOpen Sans||||||||\u00a0\u00bb header_text_color=\u00a0\u00bb#FFFFFF\u00a0\u00bb header_4_font=\u00a0\u00bbOpen Sans||||||||\u00a0\u00bb header_4_text_color=\u00a0\u00bb#ffffff\u00a0\u00bb header_4_font_size=\u00a0\u00bb19px\u00a0\u00bb custom_margin=\u00a0\u00bb106px|||30px|false|false\u00a0\u00bb custom_margin_tablet=\u00a0\u00bb\u00a0\u00bb custom_margin_phone=\u00a0\u00bb10px||0px|0px|false|false\u00a0\u00bb custom_margin_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb custom_padding=\u00a0\u00bb||0px||false|false\u00a0\u00bb text_font_tablet=\u00a0\u00bb\u00a0\u00bb text_font_phone=\u00a0\u00bb\u00a0\u00bb text_font_last_edited=\u00a0\u00bbon|desktop\u00a0\u00bb text_orientation_tablet=\u00a0\u00bb\u00a0\u00bb text_orientation_phone=\u00a0\u00bbcenter\u00a0\u00bb text_orientation_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<h4><span style=\"color: #ffffff;\">SOLUTIONS<\/span><\/h4>\n<p><span style=\"color: #ffffff;\"><a style=\"color: #ffffff;\" href=\"https:\/\/www.cashlab.fr\/pilotage-de-tresorerie\/\" target=\"_blank\" rel=\"noopener\">Pilotage de tr\u00e9sorerie<\/a><\/span><br \/><span style=\"color: #ffffff;\"><a style=\"color: #ffffff;\" href=\"https:\/\/www.cashlab.fr\/partenariats\/\" target=\"_blank\" rel=\"noopener\">Partenariats<\/a><br \/><a href=\"https:\/\/www.cashlab.fr\/formations\/\" target=\"_blank\" rel=\"noopener\" style=\"color: #ffffff;\">Formations<\/a><br \/><a style=\"color: #ffffff;\" href=\"https:\/\/www.cashlab.fr\/tarifs\/\" target=\"_blank\" rel=\"noopener\">Tarifs<\/a><br \/><a style=\"color: #ffffff;\" href=\"https:\/\/www.cashlab.fr\/faq\/\" target=\"_blank\" rel=\"noopener\">FAQ<\/a><\/span><\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=\u00a0\u00bb1_4&Prime; _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_text admin_label=\u00a0\u00bbA propos (sitemap)\u00a0\u00bb _builder_version=\u00a0\u00bb4.20.4&Prime; text_font=\u00a0\u00bbOpen Sans||||||||\u00a0\u00bb text_text_color=\u00a0\u00bb#FFFFFF\u00a0\u00bb text_font_size=\u00a0\u00bb15px\u00a0\u00bb text_line_height=\u00a0\u00bb1.5em\u00a0\u00bb link_line_height=\u00a0\u00bb1.5em\u00a0\u00bb header_font=\u00a0\u00bbOpen Sans||||||||\u00a0\u00bb header_text_color=\u00a0\u00bb#FFFFFF\u00a0\u00bb header_4_font=\u00a0\u00bbOpen Sans||||||||\u00a0\u00bb header_4_text_color=\u00a0\u00bb#ffffff\u00a0\u00bb header_4_font_size=\u00a0\u00bb19px\u00a0\u00bb custom_margin=\u00a0\u00bb106px|||30px|false|false\u00a0\u00bb custom_margin_tablet=\u00a0\u00bb\u00a0\u00bb custom_margin_phone=\u00a0\u00bb10px||0px|0px|false|false\u00a0\u00bb custom_margin_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb custom_padding=\u00a0\u00bb||0px||false|false\u00a0\u00bb text_font_tablet=\u00a0\u00bb\u00a0\u00bb text_font_phone=\u00a0\u00bb\u00a0\u00bb text_font_last_edited=\u00a0\u00bbon|desktop\u00a0\u00bb text_orientation_tablet=\u00a0\u00bb\u00a0\u00bb text_orientation_phone=\u00a0\u00bbcenter\u00a0\u00bb text_orientation_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<h4><span style=\"color: #ffffff;\">RESSOURCES<\/span><\/h4>\n<p><span style=\"color: #ffffff;\"><a href=\"https:\/\/www.cashlab.fr\/blog\/\" target=\"_blank\" rel=\"noopener\" style=\"color: #ffffff;\">Blog<\/a><\/span><br \/><span style=\"color: #ffffff;\"><a href=\"https:\/\/www.cashlab.fr\/cas-clients\/\" target=\"_blank\" rel=\"noopener\" style=\"color: #ffffff;\">Cas clients<\/a><br \/><a href=\"https:\/\/www.cashlab.fr\/dossiers-livres-blancs\/\" target=\"_blank\" rel=\"noopener\" style=\"color: #ffffff;\">Dossiers\/Livres blancs<\/a><br \/><a href=\"https:\/\/www.cashlab.fr\/videos\/\" target=\"_blank\" rel=\"noopener\" style=\"color: #ffffff;\">Vid\u00e9os<\/a><\/span><br \/><span style=\"color: #ffffff;\"><a href=\"https:\/\/www.cashlab.fr\/webinars\/\" target=\"_blank\" rel=\"noopener\" style=\"color: #ffffff;\">Webinars<\/a><\/span><br \/><span style=\"color: #ffffff;\"><a href=\"https:\/\/www.cashlab.fr\/infographies\/\" target=\"_blank\" rel=\"noopener\" style=\"color: #ffffff;\">Infographies<\/a><\/span><br \/><span style=\"color: #ffffff;\"><a href=\"https:\/\/www.cashlab.fr\/ressources-partenaires\/\" target=\"_blank\" rel=\"noopener\" style=\"color: #ffffff;\">Ressources partenaires<\/a><\/span><\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row admin_label=\u00a0\u00bbBas de footer\u00a0\u00bb _builder_version=\u00a0\u00bb4.21.0&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb max_width=\u00a0\u00bb1200px\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb4_4&Prime; _builder_version=\u00a0\u00bb4.16.0&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_text _builder_version=\u00a0\u00bb4.19.4&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_font=\u00a0\u00bbOpen Sans||||||||\u00a0\u00bb text_text_color=\u00a0\u00bb#FFFFFF\u00a0\u00bb text_orientation=\u00a0\u00bbcenter\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<p>\u00a92023 All rights reserved. | Cashlab | <span style=\"text-decoration: underline;\"><strong><span style=\"color: #ffffff;\"><a style=\"color: #ffffff; text-decoration: underline;\" href=\"https:\/\/www.cashlab.fr\/mentions-legales\/\" target=\"_blank\" rel=\"noopener\">Mentions L\u00e9gales<\/a><\/span><\/strong><\/span><\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Marion Laboure, economist at Deutsche Bank, talks to Cashlab about her latest study: \"The Future of Payments\".<br \/>\nIn early 2020, 4,000 consumers were surveyed about payments. The topics covered included<\/p>","protected":false},"author":2,"featured_media":6202,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","content-type":"","inline_featured_image":false,"footnotes":""},"categories":[57],"tags":[19,94,132,98,141,142,140,133],"class_list":["post-5320","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualites","tag-cash","tag-cash-flow","tag-cash-forecast","tag-cash-management","tag-future-of-payments","tag-instant-payments","tag-payments","tag-pilotage-du-cash"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>&quot;The Future of Payments&quot; - Interview de Marion Laboure - Cashlab<\/title>\n<meta name=\"description\" content=\"Revue de l&#039;\u00e9tude &quot;The Future of Payments&quot; by Deutsche Bank et Marion Laboure qui nous d\u00e9crypte les principaux chiffres et tendances\" \/>\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.cashlab.fr\/en\/the-future-of-payments-interview-de-marion-laboure\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"&quot;The Future of Payments&quot; 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