{"id":11910,"date":"2023-02-28T09:30:00","date_gmt":"2023-02-28T08:30:00","guid":{"rendered":"https:\/\/www.sage.com\/fr-fr\/blog\/?p=11910"},"modified":"2025-05-07T15:34:21","modified_gmt":"2025-05-07T13:34:21","slug":"iso-20022-pourquoi-faut-il-sy-interesser","status":"publish","type":"post","link":"https:\/\/www.sage.com\/fr-fr\/blog\/iso-20022-pourquoi-faut-il-sy-interesser\/","title":{"rendered":"ISO 20022\u00a0: pourquoi faut-il s\u2019y int\u00e9resser\u00a0?\u00a0"},"content":{"rendered":"<header class=\"entry-header has-dark-background-color entry-header--has-illustration entry-header--has-illustration--generic\">\n\t<div class=\"container\">\n\t\t<div class=\"entry-header__row row align-center\">\n\t\t\t<div class=\"col col-lg-7 col-xlg-6 entry-header__content\">\n\t\t\t\t\t\t\t<div class=\"component component-single-header\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"entry-header__misc text--subtitle text--uppercase text--small\">\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.sage.com\/fr-fr\/blog\/categorie\/gestion-financiere\/\" class=\"entry-header__link\">Gestion Financi\u00e8re<\/a>\t\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t<div class=\"entry-title-wrapper\">\n\t\t\t\t\t<h1 class=\"entry-title\">\n\t\t\t\t\t\tISO 20022 : pourquoi faut-il s\u2019y int\u00e9resser ? \t\t\t\t\t<\/h1>\n\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\t\t<p class=\"entry-header__description\">\n\t\t\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t<\/div>\n\t\t<div class=\"single-post-details container\">\n\t\t<div class=\"col\">\n\t\t\t<span class=\"posted-on \">Publi\u00e9 le <time class=\"entry-date published\" datetime=\"2023-02-28T09:30:00+01:00\">28 f\u00e9vrier 2023<\/time><\/span><span class=\"reading-time\"> min de lecture<\/span>\n\t\t<button\n\t\t\ttype=\"button\"\n\t\t\tclass=\"social-share-button button button--icon button--secondary js-social-share-button\"\n\t\t\tdata-share-title=\"ISO 20022\u00a0: pourquoi faut-il s\u2019y int\u00e9resser\u00a0?\u00a0\"\n\t\t\tdata-share-url=\"https:\/\/www.sage.com\/fr-fr\/blog\/iso-20022-pourquoi-faut-il-sy-interesser\/\"\n\t\t\tdata-share-text=\"Veuillez lire cet article int\u00e9ressant\"\n\t\t>\n\t\t\t<span class=\"social-share-button__share-label\">Partager<\/span>\n\t\t\t<span class=\"social-share-button__copy-label\" hidden>Copier le lien<\/span>\n\t\t\t<span class=\"social-share-button__copy-tooltip\" aria-hidden=\"true\" hidden>Copi\u00e9<\/span>\n\t\t<\/button>\n\n\t\t\t\t<\/div>\n\t<\/div>\n\t<\/header>\n\n\n<div class=\"wp-block-post-author has-dark-background-color alignfull\">\n\t<div class=\"container\">\n\t\t<div class=\"col\">\n\t\t\t\t\t\t\t<div class=\"co-authors\">\n\t\t\t\t\t\n\t\t<div class=\"entry-author-wrapper\">\n\t\t\t<a class=\"entry-author\" href=\"https:\/\/www.sage.com\/fr-fr\/blog\/author\/sabineducrot\/\">\n\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"40\" height=\"40\" src=\"https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2021\/04\/Sabine-Ducrot-Ciss-350x350.png\" class=\"entry-author__image\" alt=\"\" \/>\t\t\t\t<span class=\"entry-author__name\">Sabine Ducrot-Ciss<\/span>\n\t\t\t<\/a>\n\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>La nouvelle norme de messagerie financi\u00e8re ISO 20022<\/strong> remplace en 2023 le syst\u00e8me de messagerie Swift MT en vigueur pour les \u00e9changes interbancaires au sein de l\u2019Espace \u00e9conomique europ\u00e9en. Avec ISO 20022, les \u00e9tablissements financiers vont pouvoir <strong>s\u2019\u00e9changer plus rapidement des donn\u00e9es plus d\u00e9taill\u00e9es<\/strong>. Et surtout faire profiter leurs clients les entreprises de cet enrichissement des donn\u00e9es de paiement. &nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pour b\u00e9n\u00e9ficier de cette avanc\u00e9e dans l\u2019information de paiement induite par la nouvelle norme ISO 20022, <strong>les entreprises ont \u00e0 adapter leur syst\u00e8me d\u2019information et leurs outils de gestion<\/strong>, \u00e0 commencer par leur ERP. Pour bien comprendre ce qui est en en en jeu&nbsp;:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>D\u00e9couvrir la nouvelle norme ISO 20022 <\/li>\n\n\n\n<li>Comprendre ce qu\u2019elle apporte aux entreprises<\/li>\n\n\n\n<li>Prendre la mesure des changements \u00e0 op\u00e9rer dans le syst\u00e8me d\u2019information <\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">La s\u00e9curisation et la pr\u00e9visibilit\u00e9 de la tr\u00e9sorerie repr\u00e9sentent des pr\u00e9-requis pour la s\u00e9r\u00e9nit\u00e9 de la gestion des entreprises. \u00c0 plus forte raison en p\u00e9riode d\u2019incertitude et de volatilit\u00e9 des march\u00e9s et des prix.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">L<strong>a norme universelle des \u00e9changes interbancaires<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">ISO 20022 est la nouvelle norme adopt\u00e9e par la plupart des pays du monde pour <strong>harmoniser l\u2019\u00e9change d\u2019informations \u00e9lectroniques entre institutions financi\u00e8res<\/strong> (paiements et pr\u00e9l\u00e8vements). Cette norme impose en particulier une structuration normalis\u00e9e (XML) du libell\u00e9 de l\u2019adresse postale du donneur d\u2019ordre et de celle du b\u00e9n\u00e9ficiaire.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">ISO 20022 se substitue en mars 2023 \u00e0 la diversit\u00e9 de standards pratiqu\u00e9s jusqu\u2019alors dans les pays concern\u00e9s. Par exemple, en France, ISO20022 vient remplacer SWIFT MT101 (SEPA) et CFONB 320 (virements \u00e9trangers). Globalement, d\u2019ici 2025, <strong>les experts estiment que 80 % des transactions financi\u00e8res seront r\u00e9gies par la norme ISO 20022<\/strong>. &nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le fait de recourir \u00e0 une norme commune de messagerie financi\u00e8re <strong>am\u00e9liore la lutte contre la fraude et le blanchiment d\u2019argent, simplifie les \u00e9changes internationaux et facilite <a href=\"https:\/\/www.sage.com\/fr-fr\/blog\/solutions-de-paiement-trois-revolutions\/\">l\u2019innovation dans l\u2019\u00e9cosyst\u00e8me bancaire<\/a><\/strong>. Ainsi, l\u2019adoption d\u2019ISO 20022 constitue une nouvelle \u00e9tape dans la construction d\u2019un r\u00e9seau de paiement v\u00e9ritablement universel et plus s\u00e9curis\u00e9.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><div class=\"single-cta\">\n\t<a\n\t\tclass=\"button button--primary gate-00951126-db83-47b8-b163-3b6017184133\"\n\t\trole=\"button\"\n\t\tdata-button-location=\"content_area\"\n\t\thref=\"#gate-00951126-db83-47b8-b163-3b6017184133\"\n\t>T\u00e9l\u00e9chargez le livre blanc \u00ab\u00a0ETI, et si on passait \u00e0 la finance dynamique\u2026\u00a0\u00bb<\/a>\n<\/div>\n<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong><strong>ISO 20022 : <\/strong><\/strong>u<strong>n enrichissement de l\u2019information de paiement<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Toutes les entreprises ont int\u00e9r\u00eat en r\u00e9alit\u00e9 \u00e0 adopter la nouvelle norme ISO 20022 pour <strong>b\u00e9n\u00e9ficier de la richesse des informations qu\u2019elle v\u00e9hicule<\/strong>. &nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En effet, pour les acteurs ayant adopt\u00e9 la norme ISO 20022, les avantages de l\u2019harmonisation sont au nombre de quatre&nbsp;:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Une plus grande possibilit\u00e9 d\u2019<a href=\"https:\/\/www.sage.com\/fr-fr\/blog\/automatisation-fonction-finance\/\">automatisation<\/a> du traitement des paiements<\/strong>, induisant rapidit\u00e9 et fiabilit\u00e9.<\/li>\n\n\n\n<li><strong>La facilitation de la r\u00e9conciliation comptable et du tra\u00e7age des paiements<\/strong>, via l\u2019unification des donn\u00e9es commerciales.<\/li>\n\n\n\n<li><strong>L\u2019am\u00e9lioration de la s\u00e9curit\u00e9 des donn\u00e9es associ\u00e9es aux transactions financi\u00e8res<\/strong>, gr\u00e2ce \u00e0 la suppression de la n\u00e9cessit\u00e9 de conversion des fichiers (cette n\u00e9cessit\u00e9 demeure pour les entreprises qui conservent l\u2019usage d\u2019autres normes).<\/li>\n\n\n\n<li><strong>La transparence sur les obligations et les frais<\/strong> impos\u00e9s par les interm\u00e9diaires financiers.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Globalement, l\u2019adoption de la norme 20022 ouvre la possibilit\u00e9 \u00e0 un enrichissement de l\u2019information de gestion. Par exemple, disposer \u00e0 tout instant et en temps r\u00e9el de la liste exhaustive des factures pay\u00e9es. Comme <strong>une sorte de \u2018\u2019paiement suivi\u2019\u2019<\/strong>, \u00e0 la mani\u00e8re du \u2018\u2019courrier suivi\u2019\u2019.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>La n\u00e9cessit\u00e9 d\u2019adapter son SI pour b\u00e9n\u00e9ficier des progr\u00e8s <strong>d\u2019ISO 20022<\/strong><\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Il revient aux entreprises de faire \u00e9voluer la structuration des bases de donn\u00e9es de tiers, clients et fournisseurs, pour que leur ERP puisse alimenter le circuit des paiements en totale conformit\u00e9 avec la norme ISO 20022. C\u2019est-\u00e0-dire que <strong>les <a href=\"https:\/\/www.sage.com\/fr-fr\/blog\/finance-dynamique-quels-outils-digitaux\/\">syst\u00e8mes num\u00e9riques<\/a> impliqu\u00e9s devront \u00eatre capables de g\u00e9n\u00e9rer les fichiers de paiement selon le nouveau format normalis\u00e9<\/strong>. &nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le calendrier d\u2019obligation de mise \u00e0 la norme ISO 20022 des syst\u00e8mes d\u2019information des entreprises n\u2019est pas totalement arr\u00eat\u00e9. On se dirige semble-t-il vers la perspective suivante&nbsp;:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Virements \u00e9trangers et en devises&nbsp;: fourniture obligatoire d\u2019adresses structur\u00e9es <strong>avant novembre 2023<\/strong>.<\/li>\n\n\n\n<li>Virements et pr\u00e9l\u00e8vements SEPA&nbsp;: fourniture obligatoire d\u2019adresses structur\u00e9es <strong>avant novembre 2025<\/strong>.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Ce changement de format implique un v\u00e9ritable projet informatique dans les entreprises. <strong>De nouveaux param\u00e9trages de l\u2019ERP sont n\u00e9cessaires, voire une mont\u00e9e en version ou un changement d\u2019environnement pour les applications les plus anciennes<\/strong>. Des tests d\u2019\u00e9changes de donn\u00e9es financi\u00e8res avec les \u00e9tablissements bancaires sont \u00e9galement indispensables. Par exemple, portant sur l\u2019int\u00e9grit\u00e9 des relev\u00e9s de comptes. <strong>Les entreprises doivent anticiper les demandes de mises \u00e0 jour de leurs banques<\/strong> pour \u00e9viter de se retrouver \u00e0 devoir se mettre en conformit\u00e9 en m\u00eame temps que tout le monde. &nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En conclusion, l\u2019adoption universelle de la norme ISO 20022 d\u2019\u00e9change de donn\u00e9es financi\u00e8res n\u2019est pas un \u00e9v\u00e9nement technique. <strong>Il s\u2019agit d\u2019un v\u00e9ritable enrichissement du syst\u00e8me d\u2019information des entreprises, qui gagnent en temps r\u00e9el et en pr\u00e9cision des donn\u00e9es de paiement collect\u00e9es<\/strong>. C\u2019est un changement comparable \u00e0 celui qui  sera op\u00e9r\u00e9 \u00e0 travers le passage \u00e0 la <a href=\"https:\/\/www.sage.com\/fr-fr\/blog\/facture-electronique-ce-que-ca-change\/\">facture \u00e9lectronique<\/a>. Pour b\u00e9n\u00e9ficier \u00e0 plein de cette petite r\u00e9volution, il appartient aux acteurs de s\u2019assurer de la compatibilit\u00e9 de leurs outils de gestion. En premier lieu leur <a href=\"https:\/\/www.sage.com\/fr-fr\/erp-logiciels\/\">ERP<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D\u2019autres articles sont parus sur Sage Advice \u00e0 propos de la r\u00e9duction des risques affectant la tr\u00e9sorerie d\u2019entreprise. \u00c0 lire \u00e9galement&nbsp;:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.sage.com\/fr-fr\/blog\/risques-financiers-et-si-on-essayait-de-les-maitriser-vraiment\/\">Risques financiers&nbsp;: et si on essayait de les ma\u00eetriser vraiment&nbsp;?<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.sage.com\/fr-fr\/blog\/parole-de-dirigeants-revima-redresse-sa-trajectoire\/\">Parole de dirigeants&nbsp;: comment Revima redresse sa trajectoire avec brio<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.sage.com\/fr-fr\/blog\/risque-de-change-pourquoi-digitaliser\/\">Ma\u00eetrise du risque de change&nbsp;: pourquoi digitaliser&nbsp;?<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.sage.com\/fr-fr\/blog\/gestion-de-tresorerie-et-du-credit-client-dans-la-meme-main\/\">La gestion de tr\u00e9sorerie et du cr\u00e9dit client dans la m\u00eame main<\/a><\/li>\n<\/ul>\n \n<div class=\"single-cta gated-content\">\n\t<div class=\"single-cta__positioner on-scroll-highlight__target\">\n\t\t<div class=\"single-cta__wrapper has-dark-background-color\">\n\t\t\t<div class=\"single-cta__content\">\n\t\t\t\t\t\t\t\t<h2 class=\"single-cta__title h3\">ETI, et si on passait \u00e0 la finance dynamique\u2026<\/h2>\n\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a\n\t\t\t\t\t\thref=\"#gate-00951126-db83-47b8-b163-3b6017184133\"\n\t\t\t\t\t\tclass=\"single-cta__button button button--primary\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t>T\u00e9l\u00e9chargez le guide<\/a>\n\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<img decoding=\"async\" width=\"1215\" height=\"810\" src=\"https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2023\/01\/BrandShootSA_Apr2022_Finance_0567-1215x810.jpg\" class=\"single-cta__image\" alt=\"\u00c9quations. Equations ETI, et si on passait \u00e0 la finance dynamique\u2026\" loading=\"lazy\" srcset=\"https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2023\/01\/BrandShootSA_Apr2022_Finance_0567-1215x810.jpg 1215w\" sizes=\"auto, (min-width: 48em) 33vw, 100vw\" \/>\t\t\t<\/div>\n<\/div>\n\n\n<div class=\"single-cta\">\n\t<div class=\"single-cta__positioner on-scroll-highlight__target\">\n\t\t<div class=\"single-cta__wrapper has-dark-background-color\">\n\t\t\t<div class=\"single-cta__content\">\n\t\t\t\t\t\t\t\t<h2 class=\"single-cta__title h3\">Inscrivez-vous \u00e0 la e-newsletter mensuelle<\/h2>\n\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a\n\t\t\t\t\t\thref=\"#gate-a947ade1-e692-455f-94ce-a275d72a9a11\"\n\t\t\t\t\t\tclass=\"single-cta__button button button--primary\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t>Je m&#039;abonne<\/a>\n\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"779\" src=\"https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2021\/05\/spreadsheets-1024x779-1.jpg\" class=\"single-cta__image\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2021\/05\/spreadsheets-1024x779-1.jpg 1024w\" sizes=\"auto, (min-width: 48em) 33vw, 100vw\" \/>\t\t\t<\/div>\n<\/div>\n\n<section class=\"more-topics alignfull has-grey-light-background-color wp-block-sage-post-topics\">\n\t<div class=\"container\">\n\t\t<div class=\"row\">\n\t\t\t<div class=\"col col-12 col-lg-4\">\n\t\t\t\t<h3 class=\"more-topics__title h2\">Parcourir plus de sujets depuis cet article<\/h3>\n\t\t\t<\/div>\n\t\t\t<div class=\"col col-12 col-lg-8\">\n\t\t\t\t<ul class=\"post-tags__list\">\n\t\t\t\t\t\t\t\t\t\t\t<li class=\"post-tags__item\">\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.sage.com\/fr-fr\/blog\/tag\/erp\/\" class=\"post-tags__link button button--secondary\">\n\t\t\t\t\t\t\t\tERP\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li class=\"post-tags__item\">\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.sage.com\/fr-fr\/blog\/tag\/ia-digitalisation\/\" class=\"post-tags__link button button--secondary\">\n\t\t\t\t\t\t\t\tIA-Digitalisation\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/section>\n\n<div class=\"alignfull wp-block-sage-related-posts\">\n\t<section class=\"related-posts card-grid has-dark-background-color\">\n\t<div class=\"container\">\n\t\t\t\t\t<div class=\"row\">\n\t\t\t\t<div class=\"col\">\n\t\t\t\t\t<h2 class=\"related-posts__heading related-posts__heading--featured h1\">Explorez plus d&#039;articles<\/h2>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"row related-posts__featured\">\n\t\t\t\t<div class=\"col card-grid__item\">\n\t\t\t\t\t<article\n\t\tclass=\"card-post related-post related-post-0 post-30034 post type-post status-publish format-standard has-post-thumbnail hentry category-legal-et-reglementation tag-facture-electronique tag-ia-digitalisation tag-pme-pmi business_type-artisans-et-petites-entreprises business_type-petites-et-moyennes-entreprises industry-btp industry-industrie industry-negoce industry-services card-post--is-clickable\"\n>\n\t<div class=\"card-post__media-wrapper\">\n\t\t<figure class=\"card-post__media card-post__media--video\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1440\" height=\"810\" src=\"https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2022\/04\/GettyImages-965936890-1440x810.jpg\" class=\"card-post__image\" alt=\"Facturation \u00e9lectronique, socle d\u2019une IA ma\u00eetris\u00e9e\" loading=\"lazy\" srcset=\"https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2022\/04\/GettyImages-965936890-684x384.jpg 684w, https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2022\/04\/GettyImages-965936890-768x432.jpg 768w, https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2022\/04\/GettyImages-965936890-1440x810.jpg 1440w\" sizes=\"auto, (min-width: 48em) 250px, (min-width: 30em) 100vw, 100vw\" \/>\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__play-video\">\n\t\t\t\t\t\t<svg role=\"presentation\" aria-hidden=\"true\" focusable=\"false\" class=\"card-post__play-icon svg-icon\" width=\"28\" height=\"28\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 33 36\"><path d=\"M3.947.936C1.889 1.016 0 2.661 0 4.878v27.11c0 2.956 3.36 4.896 5.999 3.463l24.965-13.555c2.715-1.474 2.715-5.451 0-6.925L6 1.416a3.96 3.96 0 0 0-2.052-.48Zm.032 2.6c.232-.001.475.058.713.187L29.66 17.28c.986.535.986 1.774 0 2.309L4.692 33.144c-.952.517-1.999-.088-1.999-1.155V4.878c0-.533.261-.95.642-1.17.19-.11.411-.171.644-.172\" \/><\/svg>\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\n\t\t\t\t\t<\/figure>\n\t<\/div>\n\n\t<div class=\"card-post__content\">\n\t\t\t\t\t<div class=\"card-post__label\">Recommand\u00e9<\/div>\n\t\t\n\t\t\t\t\t<div class=\"card-post__meta\">\n\t\t\t\t\t\t\t\t\t<svg role=\"presentation\" aria-hidden=\"true\" focusable=\"false\" width=\"24\" height=\"24\" class=\"card-post__meta-icon svg-icon\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 24 24\"><path d=\"M5.25 3C3.74 3 2.5 4.24 2.5 5.75v12.5C2.5 19.76 3.74 21 5.25 21h14c1.51 0 2.75-1.24 2.75-2.75V5.75C22 4.24 20.76 3 19.25 3zm0 1.5h14c.699 0 1.25.551 1.25 1.25v12.5a1.24 1.24 0 0 1-1.25 1.25h-14A1.24 1.24 0 0 1 4 18.25V5.75c0-.699.551-1.25 1.25-1.25m.25.75a.5.5 0 0 0-.5.5v.5a.5.5 0 0 0 .5.5H6a.5.5 0 0 0 .5-.5v-.5a.5.5 0 0 0-.5-.5zm13 0a.5.5 0 0 0-.5.5v.5a.5.5 0 0 0 .5.5h.5a.5.5 0 0 0 .5-.5v-.5a.5.5 0 0 0-.5-.5zm-8.25 2.751A1.248 1.248 0 0 0 9 9.251v5.5c0 .442.231.849.613 1.074.389.231.846.237 1.239.021l5.001-2.751c.396-.219.646-.639.646-1.094s-.25-.876-.646-1.095l-.001-.001-5.002-2.751a1.25 1.25 0 0 0-.601-.153zM5.5 8.25a.5.5 0 0 0-.5.5v.5a.5.5 0 0 0 .5.5H6a.5.5 0 0 0 .5-.5v-.5a.5.5 0 0 0-.5-.5zm13 0a.5.5 0 0 0-.5.5v.5a.5.5 0 0 0 .5.5h.5a.5.5 0 0 0 .5-.5v-.5a.5.5 0 0 0-.5-.5zm-8 1.423L14.731 12 10.5 14.328zm-5 1.577a.5.5 0 0 0-.5.5v.5a.5.5 0 0 0 .5.5H6a.5.5 0 0 0 .5-.5v-.5a.5.5 0 0 0-.5-.5zm13 0a.5.5 0 0 0-.5.5v.5a.5.5 0 0 0 .5.5h.5a.5.5 0 0 0 .5-.5v-.5a.5.5 0 0 0-.5-.5zm-13 3a.5.5 0 0 0-.5.5v.5a.5.5 0 0 0 .5.5H6a.5.5 0 0 0 .5-.5v-.5a.5.5 0 0 0-.5-.5zm13 0a.5.5 0 0 0-.5.5v.5a.5.5 0 0 0 .5.5h.5a.5.5 0 0 0 .5-.5v-.5a.5.5 0 0 0-.5-.5zm-13 3a.5.5 0 0 0-.5.5v.5a.5.5 0 0 0 .5.5H6a.5.5 0 0 0 .5-.5v-.5a.5.5 0 0 0-.5-.5zm13 0a.5.5 0 0 0-.5.5v.5a.5.5 0 0 0 .5.5h.5a.5.5 0 0 0 .5-.5v-.5a.5.5 0 0 0-.5-.5z\" \/><\/svg>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"posted-on \"><time class=\"entry-date published\" datetime=\"2026-07-01T10:00:00+02:00\">1 juillet 2026<\/time><\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"reading-time\">4 min de lecture<\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\n\t\t<p class=\"card-post__title h3\">\n\t\t\t\t\t\t\t<a\n\t\t\t\t\tclass=\"card-post__title-link\"\n\t\t\t\t\thref=\"https:\/\/www.sage.com\/fr-fr\/blog\/facturation-electronique-socle-ia-maitrisee\/\"\n\t\t\t\t>\n\t\t\t\n\t\t\t\u00a0La facturation \u00e9lectronique, socle d\u2019une IA ma\u00eetris\u00e9e\n\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/p>\n\n\t\t\n\t\t\t\t\t<p class=\"card-post__description\">\n\t\t\t\tLa facturation \u00e9lectronique n\u2019a rien d\u2019un simple chantier r\u00e9glementaire. En poussant les entreprises \u00e0 revoir leurs process et \u00e0 mieux structurer leurs donn\u00e9es, elle pr\u00e9pare aussi le terrain pour des usages plus concrets et plus utiles de l\u2019IA. Explications.\t\t\t<\/p>\n\t\t\n\t\t\t<\/div>\n\n\t<\/article>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\n\t\t\t\t\t<div class=\"row related-posts__non-featured\">\n\t\t\t\t<div class=\"col col-12\">\n\t\t\t\t\t<h2 class=\"related-posts__heading related-posts__heading--more h4\">En savoir plus sur ce sujet<\/h2>\n\t\t\t\t<\/div>\n\n\t\t\t\t\n\t\t\t\t\t<div class=\"col col-6 col-lg-3 card-grid__item\">\n\t\t\t\t\t\t<article\n\t\tclass=\"card-post related-post related-post-1 post-30016 post type-post status-publish format-standard has-post-thumbnail hentry category-guides-et-modeles-gratuits tag-comptabilite tag-daf-directeur-administratif-financier tag-ia-digitalisation tag-intelligence-artificielle tag-logiciel-de-gestion business_type-artisans-et-petites-entreprises business_type-petites-et-moyennes-entreprises industry-btp industry-industrie industry-negoce industry-services\"\n>\n\t\t\t<a\n\t\t\tclass=\"card-post__link\"\n\t\t\thref=\"https:\/\/www.sage.com\/fr-fr\/blog\/guide-pilotage-financier-avantage-concurrentiel\/\"\n\t\t\t\t\t>\n\t\t\t<figure class=\"card-post__media\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"684\" height=\"384\" src=\"https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2023\/09\/GettyImages-1392324314-684x384.jpg\" class=\"card-post__image\" alt=\"Livre blanc PILOTAGE FINANCIER NOUVELLE G\u00c9N\u00c9RATION : L\u2019AVANTAGE CONCURRENTIEL 2027\" loading=\"lazy\" srcset=\"https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2023\/09\/GettyImages-1392324314-684x384.jpg 684w, https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2023\/09\/GettyImages-1392324314-768x512.jpg 768w, https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2023\/09\/GettyImages-1392324314-1215x810.jpg 1215w\" sizes=\"auto, (min-width: 48em) 250px, (min-width: 30em) 100vw, 100vw\" \/>\t\t\t\n\t\t\t\n\t\t\t\t\t<\/figure>\n\n\t\t\n\t\t\t\t\t<div class=\"card-post__meta\">\n\t\t\t\t\t\t\t\t\t<svg role=\"presentation\" aria-hidden=\"true\" focusable=\"false\" width=\"24\" height=\"24\" class=\"card-post__meta-icon svg-icon\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 24 24\"><path d=\"M11.988 2.989a.75.75 0 0 0-.739.761v10.689l-1.72-1.72a.75.75 0 0 0-.957-.099.75.75 0 0 0-.315.776c.031.146.104.28.211.384l3 3a.75.75 0 0 0 1.06 0l3-3a.76.76 0 0 0 .231-.533.74.74 0 0 0-.22-.538q-.108-.106-.247-.164c-.139-.058-.191-.057-.291-.056s-.198.022-.29.061-.174.097-.243.169l-1.72 1.72V3.75a.76.76 0 0 0-.22-.541.76.76 0 0 0-.542-.22zM5.75 8.5C4.24 8.5 3 9.74 3 11.25v7C3 19.76 4.24 21 5.75 21h12.5c1.51 0 2.75-1.24 2.75-2.75v-7c0-1.51-1.24-2.75-2.75-2.75h-3a.76.76 0 0 0-.537.216.74.74 0 0 0-.223.535.76.76 0 0 0 .223.535.74.74 0 0 0 .537.216h3c.699 0 1.25.551 1.25 1.25v7a1.24 1.24 0 0 1-1.25 1.25H5.75a1.24 1.24 0 0 1-1.25-1.25v-7c0-.699.551-1.25 1.25-1.25h3a.76.76 0 0 0 .537-.216.74.74 0 0 0 .223-.535.76.76 0 0 0-.223-.535.75.75 0 0 0-.537-.216z\" \/><\/svg>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"posted-on \"><time class=\"entry-date published\" datetime=\"2026-06-26T18:34:56+02:00\">26 juin 2026<\/time><\/span><\/span>\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<span class=\"card-post__meta-text\"><span class=\"reading-time\">2 min de lecture<\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\n\t\t<p class=\"card-post__title h5\">\n\t\t\tPILOTAGE FINANCIER NOUVELLE G\u00c9N\u00c9RATION : L\u2019AVANTAGE CONCURRENTIEL 2027\t\t<\/p>\n\n\t\t\t<\/a>\n\t\n\t\n\t\t\n\t\n\t<\/article>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t<div class=\"col col-6 col-lg-3 card-grid__item\">\n\t\t\t\t\t\t<article\n\t\tclass=\"card-post related-post related-post-2 post-29967 post type-post status-publish format-standard has-post-thumbnail hentry category-croissance-et-strategie-clients tag-erp tag-facture-electronique tag-gestion-des-stocks tag-ia-digitalisation business_type-petites-et-moyennes-entreprises industry-industrie\"\n>\n\t\t\t<a\n\t\t\tclass=\"card-post__link\"\n\t\t\thref=\"https:\/\/www.sage.com\/fr-fr\/blog\/erp-filiere-life-sciences\/\"\n\t\t\t\t\t>\n\t\t\t<figure class=\"card-post__media\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"684\" height=\"384\" src=\"https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2023\/09\/GettyImages-1468520185-684x384.jpg\" class=\"card-post__image\" alt=\"ERP Life Sciences : comment une fili\u00e8re sp\u00e9cialis\u00e9e accompagne les industriels de sant\u00e9\" loading=\"lazy\" srcset=\"https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2023\/09\/GettyImages-1468520185-684x384.jpg 684w, https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2023\/09\/GettyImages-1468520185-768x479.jpg 768w, https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2023\/09\/GettyImages-1468520185-1297x810.jpg 1297w\" sizes=\"auto, (min-width: 48em) 250px, (min-width: 30em) 100vw, 100vw\" \/>\t\t\t\n\t\t\t\n\t\t\t\t\t<\/figure>\n\n\t\t\n\t\t\t\t\t<div class=\"card-post__meta\">\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<span class=\"card-post__meta-text\"><span class=\"posted-on \"><time class=\"entry-date published\" datetime=\"2026-06-19T14:31:19+02:00\">19 juin 2026<\/time><\/span><\/span>\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<span class=\"card-post__meta-text\"><span class=\"reading-time\">6 min de lecture<\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\n\t\t<p class=\"card-post__title h5\">\n\t\t\tERP Life Sciences : comment une fili\u00e8re sp\u00e9cialis\u00e9e accompagne les industriels de sant\u00e9\t\t<\/p>\n\n\t\t\t<\/a>\n\t\n\t\n\t\t\n\t\n\t<\/article>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t<div class=\"col col-6 col-lg-3 card-grid__item\">\n\t\t\t\t\t\t<article\n\t\tclass=\"card-post related-post related-post-3 post-29913 post type-post status-publish format-standard has-post-thumbnail hentry category-interviews-clients tag-btp-batiment tag-erp tag-ia-digitalisation tag-temoignages-clients business_type-petites-et-moyennes-entreprises industry-negoce\"\n>\n\t\t\t<a\n\t\t\tclass=\"card-post__link\"\n\t\t\thref=\"https:\/\/www.sage.com\/fr-fr\/blog\/duobat-profite-de-gisements-de-progres-integres-temoignage\/\"\n\t\t\t\t\t>\n\t\t\t<figure class=\"card-post__media card-post__media--video\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"684\" height=\"384\" src=\"https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2026\/06\/duobat-temoignage-sage-x3-article-684x384.jpg\" class=\"card-post__image\" alt=\"Duobat : profiter des gisements de progr\u00e8s int\u00e9gr\u00e9s \u00e0 son ERP I Sage Advice France\" loading=\"lazy\" srcset=\"https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2026\/06\/duobat-temoignage-sage-x3-article-684x384.jpg 684w, https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2026\/06\/duobat-temoignage-sage-x3-article-768x432.jpg 768w, https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2026\/06\/duobat-temoignage-sage-x3-article-1440x810.jpg 1440w\" sizes=\"auto, (min-width: 48em) 250px, (min-width: 30em) 100vw, 100vw\" \/>\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__play-video\">\n\t\t\t\t\t\t<svg role=\"presentation\" aria-hidden=\"true\" focusable=\"false\" class=\"card-post__play-icon svg-icon\" width=\"28\" height=\"28\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 33 36\"><path d=\"M3.947.936C1.889 1.016 0 2.661 0 4.878v27.11c0 2.956 3.36 4.896 5.999 3.463l24.965-13.555c2.715-1.474 2.715-5.451 0-6.925L6 1.416a3.96 3.96 0 0 0-2.052-.48Zm.032 2.6c.232-.001.475.058.713.187L29.66 17.28c.986.535.986 1.774 0 2.309L4.692 33.144c-.952.517-1.999-.088-1.999-1.155V4.878c0-.533.261-.95.642-1.17.19-.11.411-.171.644-.172\" \/><\/svg>\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\n\t\t\t\t\t<\/figure>\n\n\t\t\n\t\t\t\t\t<div class=\"card-post__meta\">\n\t\t\t\t\t\t\t\t\t<svg role=\"presentation\" aria-hidden=\"true\" focusable=\"false\" width=\"24\" height=\"24\" class=\"card-post__meta-icon svg-icon\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 24 24\"><path d=\"M5.25 3C3.74 3 2.5 4.24 2.5 5.75v12.5C2.5 19.76 3.74 21 5.25 21h14c1.51 0 2.75-1.24 2.75-2.75V5.75C22 4.24 20.76 3 19.25 3zm0 1.5h14c.699 0 1.25.551 1.25 1.25v12.5a1.24 1.24 0 0 1-1.25 1.25h-14A1.24 1.24 0 0 1 4 18.25V5.75c0-.699.551-1.25 1.25-1.25m.25.75a.5.5 0 0 0-.5.5v.5a.5.5 0 0 0 .5.5H6a.5.5 0 0 0 .5-.5v-.5a.5.5 0 0 0-.5-.5zm13 0a.5.5 0 0 0-.5.5v.5a.5.5 0 0 0 .5.5h.5a.5.5 0 0 0 .5-.5v-.5a.5.5 0 0 0-.5-.5zm-8.25 2.751A1.248 1.248 0 0 0 9 9.251v5.5c0 .442.231.849.613 1.074.389.231.846.237 1.239.021l5.001-2.751c.396-.219.646-.639.646-1.094s-.25-.876-.646-1.095l-.001-.001-5.002-2.751a1.25 1.25 0 0 0-.601-.153zM5.5 8.25a.5.5 0 0 0-.5.5v.5a.5.5 0 0 0 .5.5H6a.5.5 0 0 0 .5-.5v-.5a.5.5 0 0 0-.5-.5zm13 0a.5.5 0 0 0-.5.5v.5a.5.5 0 0 0 .5.5h.5a.5.5 0 0 0 .5-.5v-.5a.5.5 0 0 0-.5-.5zm-8 1.423L14.731 12 10.5 14.328zm-5 1.577a.5.5 0 0 0-.5.5v.5a.5.5 0 0 0 .5.5H6a.5.5 0 0 0 .5-.5v-.5a.5.5 0 0 0-.5-.5zm13 0a.5.5 0 0 0-.5.5v.5a.5.5 0 0 0 .5.5h.5a.5.5 0 0 0 .5-.5v-.5a.5.5 0 0 0-.5-.5zm-13 3a.5.5 0 0 0-.5.5v.5a.5.5 0 0 0 .5.5H6a.5.5 0 0 0 .5-.5v-.5a.5.5 0 0 0-.5-.5zm13 0a.5.5 0 0 0-.5.5v.5a.5.5 0 0 0 .5.5h.5a.5.5 0 0 0 .5-.5v-.5a.5.5 0 0 0-.5-.5zm-13 3a.5.5 0 0 0-.5.5v.5a.5.5 0 0 0 .5.5H6a.5.5 0 0 0 .5-.5v-.5a.5.5 0 0 0-.5-.5zm13 0a.5.5 0 0 0-.5.5v.5a.5.5 0 0 0 .5.5h.5a.5.5 0 0 0 .5-.5v-.5a.5.5 0 0 0-.5-.5z\" \/><\/svg>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"posted-on \"><time class=\"entry-date published\" datetime=\"2026-06-19T10:00:00+02:00\">19 juin 2026<\/time><\/span><\/span>\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<span class=\"card-post__meta-text\"><span class=\"reading-time\">5 min de lecture<\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\n\t\t<p class=\"card-post__title h5\">\n\t\t\tDuobat\u00a0: profiter des gisements de progr\u00e8s int\u00e9gr\u00e9s \u00e0 son ERP\u00a0\t\t<\/p>\n\n\t\t\t<\/a>\n\t\n\t\n\t\t\n\t\n\t<\/article>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t<div class=\"col col-6 col-lg-3 card-grid__item\">\n\t\t\t\t\t\t<article\n\t\tclass=\"card-post related-post related-post-4 post-29919 post type-post status-publish format-audio has-post-thumbnail hentry category-croissance-et-strategie-clients tag-erp tag-ia-digitalisation tag-sage-on-air-podcast post_format-post-format-audio business_type-petites-et-moyennes-entreprises industry-services\"\n>\n\t\t\t<a\n\t\t\tclass=\"card-post__link\"\n\t\t\thref=\"https:\/\/www.sage.com\/fr-fr\/blog\/quelles-reponses-aux-defis-de-la-restauration-multisites\/?scroll=1\"\n\t\t\t\t\t>\n\t\t\t<figure class=\"card-post__media\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"684\" height=\"384\" src=\"https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2026\/06\/Vignette-2222x1250-NH-684x384.jpg\" class=\"card-post__image\" alt=\"Quelle r\u00e9ponse aux d\u00e9fis de la restauration multisites ? I Sage Advice France\" loading=\"lazy\" srcset=\"https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2026\/06\/Vignette-2222x1250-NH-684x384.jpg 684w, https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2026\/06\/Vignette-2222x1250-NH-768x432.jpg 768w, https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2026\/06\/Vignette-2222x1250-NH-1440x810.jpg 1440w\" sizes=\"auto, (min-width: 48em) 250px, (min-width: 30em) 100vw, 100vw\" \/>\t\t\t\n\t\t\t\n\t\t\t\t\t<\/figure>\n\n\t\t\n\t\t\t\t\t<div class=\"card-post__meta\">\n\t\t\t\t\t\t\t\t\t<svg role=\"presentation\" aria-hidden=\"true\" focusable=\"false\" width=\"24\" height=\"24\" class=\"card-post__meta-icon svg-icon\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 24 24\"><path d=\"M9.75 1.5C8.793 1.5 8 2.293 8 3.25v8.377a.8.8 0 0 0 0 .243v4.38c0 .957.793 1.75 1.75 1.75h5.5c.957 0 1.75-.792 1.75-1.75v-4.377a.8.8 0 0 0 0-.243V3.25c0-.957-.792-1.75-1.75-1.75zm0 1.5h5.5c.147 0 .25.102.25.25V11h-6V3.25c0-.148.102-.25.25-.25m-4.012 7.989a.75.75 0 0 0-.739.761v4.5A4.76 4.76 0 0 0 9.749 21h2v2a.76.76 0 0 0 .216.537.74.74 0 0 0 .534.223.76.76 0 0 0 .535-.223.74.74 0 0 0 .216-.537v-2h2A4.76 4.76 0 0 0 20 16.25v-4.5a.76.76 0 0 0-.216-.537.74.74 0 0 0-.535-.223.75.75 0 0 0-.75.76v4.5a3.24 3.24 0 0 1-3.25 3.25h-5.5a3.24 3.24 0 0 1-3.25-3.25v-4.5a.755.755 0 0 0-.469-.707.8.8 0 0 0-.293-.055zM9.5 12.5h6v3.75c0 .147-.102.25-.25.25h-5.5a.24.24 0 0 1-.25-.25zm3 1a.997.997 0 0 0-1 1 .997.997 0 0 0 1 1 .997.997 0 0 0 1-1 .997.997 0 0 0-1-1\" \/><\/svg>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"posted-on \"><time class=\"entry-date published\" datetime=\"2026-06-18T10:00:00+02:00\">18 juin 2026<\/time><\/span><\/span>\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<span class=\"card-post__meta-text\"><span class=\"reading-time\">5 min de lecture<\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\n\t\t<p class=\"card-post__title h5\">\n\t\t\tQuelle r\u00e9ponse aux d\u00e9fis de la restauration multisites ?\t\t<\/p>\n\n\t\t\t<\/a>\n\t\n\t\n\t\t\n\t\n\t<\/article>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n<\/section>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>La nouvelle norme de messagerie financi\u00e8re ISO 20022 remplace en 2023 le syst\u00e8me de messagerie Swift MT en vigueur pour les \u00e9changes interbancaires au sein de l\u2019Espace \u00e9conomique europ\u00e9en. Avec ISO 20022, les \u00e9tablissements financiers vont pouvoir s\u2019\u00e9changer plus rapidement des donn\u00e9es plus d\u00e9taill\u00e9es. Et surtout faire profiter leurs clients les entreprises de cet enrichissement [&hellip;]<\/p>\n","protected":false},"author":902,"featured_media":11020,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_sage_video":false,"post_featured_image_hide":false,"sage_hide_published_date":false,"sage_hide_read_time":false,"sage_hide_share_buttons":false,"_pwl_sage_podcast_buzzsprout_src":"","footnotes":""},"categories":[12],"tags":[99,224],"business_type":[8,9,11],"lilypad":[],"context":[],"industry":[23,24,25,26],"persona":[35,34,868],"imagine_tag":[],"coauthors":[901],"class_list":["post-11910","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-gestion-financiere","tag-erp","tag-ia-digitalisation","business_type-artisans-et-petites-entreprises","business_type-petites-et-moyennes-entreprises","business_type-expertise-comptable","industry-btp","industry-industrie","industry-negoce","industry-services"],"sage_meta":{"region":"fr-fr","author_name":"Sabine Ducrot-Ciss","featured_image":"https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2022\/04\/GettyImages-1271693425.jpg","imagine_tags":[]},"distributor_meta":false,"distributor_terms":false,"distributor_media":false,"distributor_original_site_name":"Sage Advice France","distributor_original_site_url":"https:\/\/www.sage.com\/fr-fr\/blog","push-errors":false,"_links":{"self":[{"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/posts\/11910","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/users\/902"}],"replies":[{"embeddable":true,"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/comments?post=11910"}],"version-history":[{"count":0,"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/posts\/11910\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/media\/11020"}],"wp:attachment":[{"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/media?parent=11910"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/categories?post=11910"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/tags?post=11910"},{"taxonomy":"business_type","embeddable":true,"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/business_type?post=11910"},{"taxonomy":"lilypad","embeddable":true,"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/lilypad?post=11910"},{"taxonomy":"context","embeddable":true,"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/context?post=11910"},{"taxonomy":"industry","embeddable":true,"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/industry?post=11910"},{"taxonomy":"persona","embeddable":true,"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/persona?post=11910"},{"taxonomy":"imagine_tag","embeddable":true,"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/imagine_tag?post=11910"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/coauthors?post=11910"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}