{"id":516,"date":"2017-02-28T00:00:00","date_gmt":"2017-02-27T23:00:00","guid":{"rendered":"https:\/\/www.sage.com\/fr-fr\/blog\/fraude-et-securite-comment-se-premunir-contre-la-fraude-aux-paiements\/"},"modified":"2026-02-10T18:32:26","modified_gmt":"2026-02-10T17:32:26","slug":"fraude-et-securite-comment-se-premunir-contre-la-fraude-aux-paiements","status":"publish","type":"post","link":"https:\/\/www.sage.com\/fr-fr\/blog\/fraude-et-securite-comment-se-premunir-contre-la-fraude-aux-paiements\/","title":{"rendered":"Fraude et s\u00e9curit\u00e9 : comment se pr\u00e9munir contre la fraude aux paiements ?"},"content":{"rendered":"<header class=\"entry-header has-dark-background-color\">\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\/legal-et-reglementation\/\" class=\"entry-header__link\">L\u00e9gal &amp; R\u00e9glementation<\/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\tFraude et s\u00e9curit\u00e9 : comment se pr\u00e9munir contre la fraude aux paiements ?\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 class=\"col col-8 col-lg-4 entry-header__image\">\n\t\t\t<figure class=\"entry-header__thumbnail js-hero-section\">\n\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2021\/04\/GettyImages-664658583_super-21024x683-1.jpg\" class=\"entry-header__thumbnail-image\" alt=\"\" fetchpriority=\"high\" srcset=\"https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2021\/04\/GettyImages-664658583_super-21024x683-1.jpg 1024w, https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2021\/04\/GettyImages-664658583_super-21024x683-1-768x512.jpg 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t<\/figure>\n\t\t<\/div>\n\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=\"2017-02-28T00:00:00+01:00\">28 f\u00e9vrier 2017<\/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=\"Fraude et s\u00e9curit\u00e9 : comment se pr\u00e9munir contre la fraude aux paiements ?\"\n\t\t\tdata-share-url=\"https:\/\/www.sage.com\/fr-fr\/blog\/fraude-et-securite-comment-se-premunir-contre-la-fraude-aux-paiements\/\"\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\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\">V\u00e9ritable fl\u00e9au, la fraude gagne du terrain. En 2016, les cyberattaques ont davantage augment\u00e9 en France (+60%)* que dans le reste du monde (+40%)*. Toutes les entreprises, quel que soit leur secteur d&rsquo;activit\u00e9 ou leur taille, sont susceptibles d&rsquo;\u00eatre touch\u00e9es. Les groupes fran\u00e7ais sont particuli\u00e8rement concern\u00e9s, mais les PME et ETI sont \u00e9galement de plus en plus impact\u00e9es par ce ph\u00e9nom\u00e8ne.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Escroquerie au pr\u00e9sident, ing\u00e9nierie sociale\u2026 les escrocs utilisent des techniques de plus en plus sophistiqu\u00e9es pour parvenir \u00e0 leurs fins, mettant ainsi en p\u00e9ril la tr\u00e9sorerie des entreprises (paiements des fournisseurs, des salaires\u2026). A l&rsquo;heure du d\u00e9veloppement europ\u00e9en de l&rsquo;\u00e9conomie digitale, ce ph\u00e9nom\u00e8ne constitue un frein \u00e0 la confiance, notamment sur les sujets financiers (SEPA, s\u00e9curit\u00e9 des donn\u00e9es, signature \u00e9lectronique, etc) et de l&rsquo;identit\u00e9 num\u00e9rique.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-la-fraude-aux-paiements-est-au-coeur-de-l-actualite\"><strong>La fraude aux paiements est au c\u0153ur de l&rsquo;actualit\u00e9<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">La fraude aux paiements est li\u00e9e \u00e0 l&rsquo;activit\u00e9 de cybercriminels de type Ing\u00e9nierie Sociale. Leur force tient \u00e0 l&rsquo;extr\u00eame connaissance de l&rsquo;organisation de l&rsquo;entreprise, de ses dirigeants et de ses collaborateurs. Avec Internet, ces informations sont facilement accessibles (Rapport annuel d&rsquo;activit\u00e9, PV d&rsquo;assembl\u00e9e g\u00e9n\u00e9rale, site institutionnel, r\u00e9seaux socio-professionnels). Cela va jusqu&rsquo;\u00e0 l&rsquo;interception des sp\u00e9cimens de signature des dirigeants.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Aujourd&rsquo;hui, 3 techniques de fraude font l&rsquo;actualit\u00e9 : la <strong>fraude au virement du Pr\u00e9sident<\/strong>, celle du faux fournisseur et celle du <strong>test bancaire<\/strong>. Ces derni\u00e8res mettent en \u0153uvre de nombreuses techniques combin\u00e9es (vols de donn\u00e9es, usurpation d&rsquo;identit\u00e9, falsification de documents, manipulation voire menace.., attaque informatique).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Comment pr\u00e9venir ces risques ?<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Mettre en place ou renforcer des proc\u00e9dures de contr\u00f4le interne<\/strong>, notamment en impliquant ses banques.<\/li>\n\n\n\n<li><strong>Limiter le partage sur Internet d&rsquo;informations sensibles<\/strong> sur l&rsquo;entreprise (organigramme de l&rsquo;entreprise, etc.).<\/li>\n\n\n\n<li><strong>Communiquer avec les collaborateurs<\/strong> sur les diff\u00e9rents risques et pr\u00e9voir des proc\u00e9dures d&rsquo;alerte.<\/li>\n\n\n\n<li><strong>Mettre en place des processus de validation<\/strong> pour tous les ordres de paiements et compl\u00e9ter par une double signature bancaire, afin de limiter l&#8217;emprise morale sur un seul collaborateur.<\/li>\n\n\n\n<li><strong>D\u00e9mat\u00e9rialiser les ordres de paiement<\/strong> papier<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Nasser Chahi, expert tr\u00e9sorerie chez Sage, pr\u00e9sente les enjeux et les techniques pr\u00e9ventives face aux fraudes aux paiements<\/p>\n\n\n\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<div class=\"video-container-wrap -mode-full\"><div class=\"video-container\"><video\n\t\t\t\tclass=\"sage-video video-js vjs-default-skin \"\n\t\t\t\twidth=\"640\"\n\t\t\t\theight=\"360\"\n\t\t\t\tdata-setup='{ \"controls\": true, \"aspectRatio\" : \"16:9\", \"poster\": \"https:\/\/img.youtube.com\/vi\/HkPD8syZR9U\/maxresdefault.jpg\", \"techOrder\": [\"youtube\"], \"enablejsapi\": 1, \"origin\": \"https:\/\/www.sage.com\", \"sources\": [{ \"type\": \"video\/youtube\", \"src\": \"https:\/\/www.youtube.com\/watch?v=HkPD8syZR9U\"}], \"youtube\": { \"ytControls\": 0, \"cc_load_policy\": 3, \"modestbranding\": 1, \"hl\": \"fr_FR\", \"playsinline\": 1 } }'\n\t\t\t\tcrossorigin=\"\"><\/video><\/div><\/div>\n<\/div><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-une-securite-renforcee-sur-les-paiements-depuis-la-fin-du-fax-de-confirmation\"><strong>Une s\u00e9curit\u00e9 renforc\u00e9e sur les paiements depuis la fin du fax de confirmation<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Jusqu&rsquo;\u00e0 pr\u00e9sent, les entreprises pouvaient adresser un r\u00e8glement \u00e9lectronique en EBICS T avec confirmation par fax aupr\u00e8s de la banque. Mais cette confirmation par fax est devenue le maillon faible de la cha\u00eene en raison des falsifications et usurpations d&rsquo;identit\u00e9 possibles.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dans ce contexte et pour lutter contre cette cybercriminalit\u00e9, la communaut\u00e9 bancaire au travers du CFONB l&rsquo;abandon (Comit\u00e9 Fran\u00e7ais d&rsquo;Organisation et de Normalisation Bancaires), avaient recommand\u00e9 fortement l&rsquo;abandon du fax de confirmation \u00e0 fin d\u00e9cembre 2016 et son remplacement par d\u00e9sormais soit :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>La signature \u00e9lectronique EBICS TS accept\u00e9 par toutes les banques fran\u00e7aises.<\/strong><\/li>\n\n\n\n<li><strong>La confirmation \u00e9lectronique sur chacun des portails bancaires de l\u2019entreprise.<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Sage recommande la double signature \u00e9lectronique <\/strong> bancaire de type EBICS TS comme moyen de pr\u00e9vention des fraudes aux paiements.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Enfin dans ce contexte n&rsquo;oublions pas la fraude au faux fournisseur qui consiste \u00e0 faire changer le RIB d&rsquo;un vrai fournisseur par celui du cybercriminel. Pour cela Sage recommande d&rsquo;y adjoindre un contr\u00f4le des tiers gr\u00e2ce \u00e0 son module de Screening Payment (anti-fraude).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>(*) Source : \u00ab\u00a0les Echos du 04 janvier 2017\u00a0\u00bb.<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"http:\/\/contact.sage.fr\/guide-fraude-securite-lp\" target=\"_blank\" rel=\"noopener noreferrer\">T\u00e9l\u00e9charger l&rsquo;\u00e9tude sur la s\u00e9curit\u00e9 des virements et la pr\u00e9vention des fraudes et le guide pratique sur la s\u00e9curit\u00e9 des paiements pour en savoir plus<\/a><\/p>\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\/cybersecurite-ou-securite-informatique\/\" class=\"post-tags__link button button--secondary\">\n\t\t\t\t\t\t\t\tCybers\u00e9curit\u00e9 ou s\u00e9curit\u00e9 informatique\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\/fraude\/\" class=\"post-tags__link button button--secondary\">\n\t\t\t\t\t\t\t\tFraude\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-30319 post type-post status-publish format-standard has-post-thumbnail hentry category-digitalisation-et-tendances tag-daf-directeur-administratif-financier tag-financement-et-investissement tag-ia-digitalisation 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\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"540\" height=\"810\" src=\"https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2024\/10\/BrandShoot-LND_June2024_Financial-Services_0292-540x810.jpg\" class=\"card-post__image\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2024\/10\/BrandShoot-LND_June2024_Financial-Services_0292-684x384.jpg 684w, https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2024\/10\/BrandShoot-LND_June2024_Financial-Services_0292-512x768.jpg 512w, https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2024\/10\/BrandShoot-LND_June2024_Financial-Services_0292-540x810.jpg 540w\" 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\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\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=\"2026-10-07T15:38:06+02:00\">7 octobre 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\">11 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\/ia-finance-nouveaux-metiers-confiance\/\"\n\t\t\t\t>\n\t\t\t\n\t\t\tComment l\u2019intelligence artificielle red\u00e9finit les m\u00e9tiers de la finance ?\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\tL&rsquo;intelligence artificielle ne remplace pas votre logiciel de gestion : elle en red\u00e9finit le r\u00f4le. \nCl\u00f4tures pr\u00e9par\u00e9es par des agents, commentaires de gestion r\u00e9dig\u00e9s en quelques secondes, donn\u00e9es financi\u00e8res normalis\u00e9es\u2026 La fonction finance vit une transformation de fond. Mais la vraie question n&rsquo;est plus technologique. Elle est humaine et organisationnelle ; et elle porte un nom, la confiance. \nArnaud Petit, Directeur G\u00e9n\u00e9ral de Sage France &amp; Europe du Sud, d\u00e9crypte les nouveaux m\u00e9tiers qui en d\u00e9couleront.\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-30150 post type-post status-publish format-standard has-post-thumbnail hentry category-digitalisation-et-tendances tag-experience-client-et-satisfaction tag-facture-electronique tag-ia-digitalisation tag-logiciel-de-gestion tag-paiement-en-ligne business_type-artisans-et-petites-entreprises business_type-petites-et-moyennes-entreprises business_type-expertise-comptable 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\/facture-electronique-paiement-ia-trio-reinvente-gestion-entreprise\/\"\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\/07\/PhotoSAGEADVICE-684x384.jpeg\" class=\"card-post__image\" alt=\"Arnaud Petit, DG Sage\" loading=\"lazy\" srcset=\"https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2026\/07\/PhotoSAGEADVICE-684x384.jpeg 684w, https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2026\/07\/PhotoSAGEADVICE-768x512.jpeg 768w, https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2026\/07\/PhotoSAGEADVICE-1215x810.jpeg 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\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=\"2026-07-29T09:30:00+02:00\">29 juillet 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\">9 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\tFacturation \u00e9lectronique, paiement et IA : comment ce trio va transformer la gestion des entreprises\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-30034 post type-post status-publish 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class=\"reading-time\">4 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\t\u00a0La facturation \u00e9lectronique, socle d\u2019une IA ma\u00eetris\u00e9e\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-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\u00e9n\u00e9ration : 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-4 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\t\t\t<\/div>\n\t\t\t<\/div>\n<\/section>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>V\u00e9ritable fl\u00e9au, la fraude gagne du terrain. En 2016, les cyberattaques ont davantage augment\u00e9 en France (+60%)* que dans le reste du monde (+40%)*. Toutes les entreprises, quel que soit leur secteur d&rsquo;activit\u00e9 ou leur taille, sont susceptibles d&rsquo;\u00eatre touch\u00e9es. Les groupes fran\u00e7ais sont particuli\u00e8rement concern\u00e9s, mais les PME et ETI sont \u00e9galement de plus [&hellip;]<\/p>\n","protected":false},"author":902,"featured_media":9326,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_yoast_wpseo_is_cornerstone":"","_yoast_wpseo_meta-robots-noindex":"","_yoast_wpseo_meta-robots-nofollow":"","_yoast_wpseo_opengraph-title":"","_yoast_wpseo_opengraph-description":"","_yoast_wpseo_opengraph-image":"","_yoast_wpseo_opengraph-image-id":"","_yoast_wpseo_twitter-title":"","_yoast_wpseo_twitter-description":"","_yoast_wpseo_twitter-image":"","_yoast_wpseo_twitter-image-id":"","_yoast_wpseo_schema_page_type":"","_yoast_wpseo_schema_article_type":"","_sage_video":true,"_yoast_wpseo_focuskeywords":"","_yoast_wpseo_keywordsynonyms":"","_yoast_wpseo_primary_category":"13","sage_membership_post_content_type":"article","sage_membership_post_featured_video_id":"","sage_membership_post_video_type":"trailer","sage_membership_post_featured_video_duration":"","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":[12,13],"tags":[118,27,224],"business_type":[9],"lilypad":[],"context":[],"industry":[23,24,25,26],"persona":[35,38,39,34,37],"imagine_tag":[450],"coauthors":[901],"class_list":["post-516","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-gestion-financiere","category-legal-et-reglementation","tag-cybersecurite-ou-securite-informatique","tag-fraude","tag-ia-digitalisation","business_type-petites-et-moyennes-entreprises","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\/2021\/04\/GettyImages-664658583_super-21024x683-1.jpg","imagine_tags":{"450":"ERP"}},"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\/516","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=516"}],"version-history":[{"count":0,"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/posts\/516\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/media\/9326"}],"wp:attachment":[{"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/media?parent=516"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/categories?post=516"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/tags?post=516"},{"taxonomy":"business_type","embeddable":true,"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/business_type?post=516"},{"taxonomy":"lilypad","embeddable":true,"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/lilypad?post=516"},{"taxonomy":"context","embeddable":true,"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/context?post=516"},{"taxonomy":"industry","embeddable":true,"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/industry?post=516"},{"taxonomy":"persona","embeddable":true,"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/persona?post=516"},{"taxonomy":"imagine_tag","embeddable":true,"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/imagine_tag?post=516"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/coauthors?post=516"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}