{"id":523,"date":"2017-06-03T00:00:00","date_gmt":"2017-06-03T00:00:00","guid":{"rendered":"https:\/\/www.sage.com\/fr-fr\/blog\/fraude-au-virement-9-reflexes-a-adopter\/"},"modified":"2026-02-05T15:08:12","modified_gmt":"2026-02-05T14:08:12","slug":"fraude-virement-reflexes","status":"publish","type":"post","link":"https:\/\/www.sage.com\/fr-fr\/blog\/fraude-virement-reflexes\/","title":{"rendered":"Fraude au virement : 9 r\u00e9flexes \u00e0 adopter"},"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\tFraude au virement : 9 r\u00e9flexes \u00e0 adopter\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 \"><time class=\"entry-date published\" datetime=\"2017-06-03T00:00:00+02:00\">3 juin 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 au virement : 9 r\u00e9flexes \u00e0 adopter\"\n\t\t\tdata-share-url=\"https:\/\/www.sage.com\/fr-fr\/blog\/fraude-virement-reflexes\/\"\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\/manuelpinto\/\">\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\/2025\/07\/Manuel-Pinto-350x350.jpg\" class=\"entry-author__image\" alt=\"Manuel Pinto\" srcset=\"https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2025\/07\/Manuel-Pinto-350x350.jpg 350w, https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2025\/07\/Manuel-Pinto-768x768.jpg 768w, https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2025\/07\/Manuel-Pinto.jpg 800w\" sizes=\"auto, (max-width: 40px) 100vw, 40px\" \/>\t\t\t\t<span class=\"entry-author__name\">Manuel Pinto<\/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>La <a href=\"https:\/\/www.sage.com\/fr-fr\/blog\/fraude-et-securite-comment-se-premunir-contre-la-fraude-aux-paiements\/\" target=\"_blank\" rel=\"noopener noreferrer\">fraude<\/a> est une menace importante pour les entreprises : 60% des soci\u00e9t\u00e9s fran\u00e7aises ont \u00e9t\u00e9 touch\u00e9es en 2016. Une des escroqueries les plus utilis\u00e9es par les arnaqueurs est \u00ab la fraude au virement \u00bb.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-la-fraude-au-virement-peut-se-manifester-a-travers-divers-scenarios-tels-que\"><strong>La fraude au virement peut se manifester \u00e0 travers divers sc\u00e9narios, tels que :<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>La fraude informatique<\/strong> : l&rsquo;escroc se fait passer pour un technicien prestataire de l&rsquo;entreprise, poussant le collaborateur \u00e0 ex\u00e9cuter des \u00ab virements tests \u00bb.<\/li>\n\n\n\n<li><strong>La fraude aux coordonn\u00e9es bancaires<\/strong> : l&rsquo;arnaqueur fait croire au changement de domiciliation bancaire d&rsquo;un fournisseur et envoie de nouvelles coordonn\u00e9es bancaires via une adresse \u00e9lectronique tr\u00e8s proche de celle de l&rsquo;interlocuteur habituel.<\/li>\n\n\n\n<li><strong>La fraude \u00ab au Pr\u00e9sident \u00bb <\/strong>: l&rsquo;escroc se fait passer pour un des dirigeants de la soci\u00e9t\u00e9 afin d&rsquo;obtenir un virement urgent et confidentiel de la part d&rsquo;un collaborateur. Ce mod\u00e8le concerne 10% des cas recens\u00e9s en France.<\/li>\n\n\n\n<li><strong>\u2022 La fraude dite du \u00ab test bancaire \u00bb <\/strong>: l&rsquo;escroc se fait passer pour le contact de la banque de l&rsquo;entreprise et lui demande de proc\u00e9der \u00e0 des tests de virements suite \u00e0 des changements dans le syst\u00e8me bancaire, pour cela il invitera \u00e0 utiliser un RIB de test, qui en r\u00e9alit\u00e9 est le vrai RIB du cybercriminel.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-afin-de-se-premunir-contre-ces-arnaques-il-est-important-d-adopter-les-bons-reflexes-en-voici-9-destines-a-renforcer-la-vigilance-de-vos-collaborateurs\"><strong>Afin de se pr\u00e9munir contre ces arnaques, il est important d&rsquo;adopter les bons r\u00e9flexes. En voici 9 destin\u00e9s \u00e0 renforcer la vigilance de vos collaborateurs .<\/strong><\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Respecter une proc\u00e9dure interne pour l&rsquo;ex\u00e9cution des virements<\/strong><br><br>Une proc\u00e9dure \u00e9crite d&rsquo;ex\u00e9cution des virements au sein de votre entreprise doit \u00eatre clairement d\u00e9finie dans un document mis \u00e0 disposition des collaborateurs. Le circuit de validation des op\u00e9rations doit comporter au moins 2 personnes.<\/li>\n\n\n\n<li><strong>Sensibiliser vos collaborateurs aux risques d&rsquo;escroquerie<\/strong><br><br>Afin que vos collaborateurs soient pleinement conscients des risques li\u00e9s \u00e0 la fraude, vous pouvez communiquer sur l&rsquo;importance de la proc\u00e9dure d&rsquo;ex\u00e9cution des virements ou pr\u00e9senter des exemples d&rsquo;escroqueries, en appelant \u00e0 la plus grande vigilance.<\/li>\n\n\n\n<li><strong>\u00catre en veille sur les escroqueries aux entreprises<\/strong><br><br>Les formes d&rsquo;escroqueries \u00e9voluent r\u00e9guli\u00e8rement. Pour que votre vigilance reste efficace, nous vous conseillons d&rsquo;effectuer une veille sur ce sujet dans la presse et sur les sites internet du service <a href=\"http:\/\/www.lesclesdelabanque.com\/Web\/Cdb\/Entrepreneurs\/Content.nsf\/List_HTML_MiniGuides?ReadForm&amp;VirtualCategory=9HTBKR\" target=\"_blank\" rel=\"noopener noreferrer\">Les Cl\u00e9s de la Banque<\/a> , du cabinet d&rsquo;audit <a href=\"http:\/\/www.pwc.fr\/fraude1.html\" target=\"_blank\" rel=\"noopener noreferrer\">PwC<\/a> , et du cabinet Pansard et Associ\u00e9s .<\/li>\n\n\n\n<li><strong>Ma\u00eetriser la diffusion des informations concernant l&rsquo;entreprise<\/strong><br><br>Les escrocs s&rsquo;appuyant sur les diverses communications des entreprises, vous devez faire tr\u00e8s attention \u00e0 ne pas diffuser d&rsquo;informations qui risqueraient de mettre en p\u00e9ril la confidentialit\u00e9 de vos activit\u00e9s et proc\u00e9dures.<\/li>\n\n\n\n<li><strong>Faire preuve de bon sens<\/strong><br><br>Avant d&rsquo;effectuer tout virement inhabituel il est important de s&rsquo;interroger en cas de changement de domiciliation bancaire d&rsquo;un fournisseur (surtout si la nouvelle adresse est \u00e0 l&rsquo;\u00e9tranger) ou de demande d&rsquo;un pr\u00e9tendu dirigeant de d\u00e9roger aux proc\u00e9dures. La hi\u00e9rarchie doit \u00eatre inform\u00e9e.<\/li>\n\n\n\n<li><strong>Prendre le temps d&rsquo;effectuer des v\u00e9rifications<\/strong><br><br>Plus la demande est inhabituelle, plus il est important de prendre le temps d&rsquo;effectuer des v\u00e9rifications. Un contre-appel aupr\u00e8s du partenaire commercial ou une demande de renseignement aupr\u00e8s de sa hi\u00e9rarchie s&rsquo;imposent.<\/li>\n\n\n\n<li><strong>Veiller \u00e0 la s\u00e9curit\u00e9 des acc\u00e8s aux services de banque \u00e0 distance<\/strong><br><br>Les codes d&rsquo;acc\u00e8s au service de banque \u00e0 distance de l&rsquo;entreprise doivent \u00eatre strictement confidentiels et uniquement connus des personnes habilit\u00e9es \u00e0 s&rsquo;y connecter. Les mots de passe doivent \u00eatre complexes et r\u00e9guli\u00e8rement modifi\u00e9s.<\/li>\n\n\n\n<li><strong>S\u00e9curiser les installations informatiques<\/strong><br><br>L&rsquo;installation de logiciels doit \u00eatre strictement encadr\u00e9e et vos postes informatiques doivent poss\u00e9der un antivirus r\u00e9guli\u00e8rement mis \u00e0 jour.<\/li>\n\n\n\n<li><strong>Contacter rapidement la banque et la police en cas d&rsquo;escroquerie<\/strong><br><br>Vous devez contacter votre banque le plus rapidement possible, ainsi que la division \u00e9conomique et financi\u00e8re du Service R\u00e9gional de Police Judiciaire (SRPJ) aupr\u00e8s de qui une plainte doit \u00eatre d\u00e9pos\u00e9e.<\/li>\n<\/ol>\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-29790 post type-post status-publish format-standard has-post-thumbnail hentry category-digitalisation-et-tendances tag-cabinet-expert-comptable tag-facture-electronique tag-ia-digitalisation business_type-expertise-comptable 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=\"1440\" height=\"810\" src=\"https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2023\/09\/GettyImages-1478421401.jpg\" class=\"card-post__image\" alt=\"Intelligence artificielle\" loading=\"lazy\" srcset=\"https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2023\/09\/GettyImages-1478421401-684x384.jpg 684w, https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2023\/09\/GettyImages-1478421401-768x432.jpg 768w, https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2023\/09\/GettyImages-1478421401.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\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=\"2026-05-19T10:00:00+02:00\">19 mai 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\">8 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\/intelligence-artificielle-comptable\/\"\n\t\t\t\t>\n\t\t\t\n\t\t\tIntelligence artificielle : \u00e0 l\u2019origine d\u2019un changement de mod\u00e8le des cabinets ?\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\u2019intelligence artificielle transforme les cabinets comptables par une s\u00e9rie d\u2019usages concrets. Recherche, r\u00e9daction, organisation interne, exploitation de la donn\u00e9e, nouvelles missions : Ana\u00efs Piquet recueille le d\u00e9cryptage de Vincent Lacomme sur les \u00e9volutions \u00e0 l\u2019\u0153uvre, sans \u00e9luder les freins et les limites.\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-29783 post type-post status-publish format-standard has-post-thumbnail hentry category-guides-et-modeles-gratuits tag-facture-electronique tag-ia-digitalisation business_type-artisans-et-petites-entreprises 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\/guide-gestion-financiere-restauration-multisites\/\"\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\/2022\/04\/GettyImages-1297061487-684x384.jpg\" class=\"card-post__image\" alt=\"gestion financi\u00e8re restauration multisites\" loading=\"lazy\" srcset=\"https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2022\/04\/GettyImages-1297061487-684x384.jpg 684w, https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2022\/04\/GettyImages-1297061487-768x432.jpg 768w, https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2022\/04\/GettyImages-1297061487-1440x810.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=\"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=\"2026-05-13T20:05:56+02:00\">13 mai 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\">3 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\tGuide : Gestion financi\u00e8re restauteurs et traiteurs 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\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-29772 post type-post status-publish format-standard has-post-thumbnail hentry category-digitalisation-et-tendances tag-comptabilite tag-donnees 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\"\n>\n\t\t\t<a\n\t\t\tclass=\"card-post__link\"\n\t\t\thref=\"https:\/\/www.sage.com\/fr-fr\/blog\/connectee-a-100-des-donnees-contextuelles-ia-universelle\/\"\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-1397606538-684x384.jpg\" class=\"card-post__image\" alt=\"IA Sage donn\u00e9es contextuelles\" loading=\"lazy\" srcset=\"https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2023\/09\/GettyImages-1397606538-684x384.jpg 684w, https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2023\/09\/GettyImages-1397606538-768x512.jpg 768w, https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2023\/09\/GettyImages-1397606538-1215x810.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\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=\"2026-05-13T18:44:37+02:00\">13 mai 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\">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\tConnect\u00e9e \u00e0 100 % des donn\u00e9es contextuelles\u00a0: vers une IA universelle\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-29718 post type-post status-publish format-standard has-post-thumbnail hentry category-legal-et-reglementation tag-comptabilite tag-facture-electronique 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\"\n>\n\t\t\t<a\n\t\t\tclass=\"card-post__link\"\n\t\t\thref=\"https:\/\/www.sage.com\/fr-fr\/blog\/calendrier-facture-electronique\/\"\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-1478370853-684x384.jpg\" class=\"card-post__image\" alt=\"Calendrier 2026-2027 de la facture \u00e9lectronique | Sage Advice France\" loading=\"lazy\" srcset=\"https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2023\/09\/GettyImages-1478370853-684x384.jpg 684w, https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2023\/09\/GettyImages-1478370853-768x512.jpg 768w, https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2023\/09\/GettyImages-1478370853-1215x810.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\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=\"2026-05-04T12:20:16+02:00\">4 mai 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\">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\tCalendrier de la facture \u00e9lectronique : dates \u00e0 retenir et obligations\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-29692 post type-post status-publish format-standard has-post-thumbnail hentry category-digitalisation-et-tendances tag-erp tag-facture-electronique 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\/plateforme-agreee-facture-electronique-industrie-impacts\/\"\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\/2024\/10\/BrandShoot-LND_June2024_Discrete-Mfg-Appliances_0814-684x384.jpg\" class=\"card-post__image\" alt=\"Utilisation d\u2019une plateforme agr\u00e9\u00e9e dans les secteurs industriels sp\u00e9cialis\u00e9s\" loading=\"lazy\" srcset=\"https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2024\/10\/BrandShoot-LND_June2024_Discrete-Mfg-Appliances_0814-684x384.jpg 684w, https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2024\/10\/BrandShoot-LND_June2024_Discrete-Mfg-Appliances_0814-768x512.jpg 768w, https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2024\/10\/BrandShoot-LND_June2024_Discrete-Mfg-Appliances_0814-1214x810.jpg 1214w\" 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=\"2026-04-30T10:00:00+02:00\">30 avril 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\">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\tPlateforme agr\u00e9\u00e9e : un choix structurant aux multiples impacts pour l\u2019industrie\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 fraude est une menace importante pour les entreprises : 60% des soci\u00e9t\u00e9s fran\u00e7aises ont \u00e9t\u00e9 touch\u00e9es en 2016. Une des escroqueries les plus utilis\u00e9es par les arnaqueurs est \u00ab la fraude au virement \u00bb. La fraude au virement peut se manifester \u00e0 travers divers sc\u00e9narios, tels que : Afin de se pr\u00e9munir contre ces [&hellip;]<\/p>\n","protected":false},"author":363,"featured_media":9614,"comment_status":"open","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,"footnotes":""},"categories":[12,13],"tags":[118,27,224],"business_type":[8,9,11],"lilypad":[],"context":[],"industry":[23,24,25,26],"persona":[35,34,36,37,40],"imagine_tag":[450,462,460,459,458],"coauthors":[922],"class_list":["post-523","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-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":"Manuel Pinto","featured_image":"https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2021\/05\/Complianceguide-1024x779-1.jpg","imagine_tags":{"450":"ERP","462":"Grandes Entreprises","460":"Petites Entreprises","459":"Petites et Moyennes Entreprises","458":"Tr\u00e9sorerie"}},"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\/523","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\/363"}],"replies":[{"embeddable":true,"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/comments?post=523"}],"version-history":[{"count":0,"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/posts\/523\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/media\/9614"}],"wp:attachment":[{"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/media?parent=523"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/categories?post=523"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/tags?post=523"},{"taxonomy":"business_type","embeddable":true,"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/business_type?post=523"},{"taxonomy":"lilypad","embeddable":true,"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/lilypad?post=523"},{"taxonomy":"context","embeddable":true,"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/context?post=523"},{"taxonomy":"industry","embeddable":true,"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/industry?post=523"},{"taxonomy":"persona","embeddable":true,"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/persona?post=523"},{"taxonomy":"imagine_tag","embeddable":true,"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/imagine_tag?post=523"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/coauthors?post=523"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}