{"id":7908,"date":"2019-11-18T11:13:26","date_gmt":"2019-11-18T10:13:26","guid":{"rendered":"https:\/\/www.sage.com\/fr-fr\/blog\/?p=7908"},"modified":"2026-02-05T14:40:52","modified_gmt":"2026-02-05T13:40:52","slug":"tresoriers-open-banking-opportunites","status":"publish","type":"post","link":"https:\/\/www.sage.com\/fr-fr\/blog\/tresoriers-open-banking-opportunites\/","title":{"rendered":"Open Banking : quelles opportunit\u00e9s pour les tr\u00e9soriers d&rsquo;entreprise ? [guide]"},"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\/guides-et-modeles-gratuits\/\" class=\"entry-header__link\">Guides et mod\u00e8les gratuits<\/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\tOpen Banking : quelles opportunit\u00e9s pour les tr\u00e9soriers d&rsquo;entreprise ? [guide]\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=\"2019-11-18T11:13:26+01:00\">18 novembre 2019<\/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=\"Open Banking : quelles opportunit\u00e9s pour les tr\u00e9soriers d&rsquo;entreprise ? [guide]\"\n\t\t\tdata-share-url=\"https:\/\/www.sage.com\/fr-fr\/blog\/tresoriers-open-banking-opportunites\/\"\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<div class=\"sage-block-classic-wrapper\">\n\n<p>L\u2019\u00e9cosyst\u00e8me des tr\u00e9soriers et des solutions de paiements connait un bouleversement consid\u00e9rable sous l\u2019effet de trois facteurs qui se conjuguent et se renforcent mutuellement.<\/p>\n<ol>\n<li><strong>La volont\u00e9 de l\u2019Union europ\u00e9enne de dynamiser les services de paiement et autour des paiements.<\/strong><br \/>\nL\u2019instauration de l\u2019Open Banking (directive DSP2) et la mise en place du paiement instantan\u00e9 pour toute la zone SEPA en sont les deux chantiers embl\u00e9matiques. C\u2019est un changement consid\u00e9rable.<\/li>\n<li><strong>L\u2019apparition de nouveaux acteurs inventifs, les fintechs, mais \u00e9galement la r\u00e9volution au sein des acteurs bancaires traditionnels.<\/strong><br \/>\nLes entreprises se voient annoncer sinon offrir de nouvelles propositions de valeur, avec pour fil conducteur la mise \u00e0 profit des ressources du digital mobile.<\/li>\n<li><strong>Le d\u00e9veloppement prometteur de technologies avanc\u00e9es, cha\u00eene de blocs, donn\u00e9es biom\u00e9triques ou intelligence artificielle.<\/strong><br \/>\nCes technologies apportent des solutions nouvelles \u00e0 la probl\u00e9matique de la s\u00e9curit\u00e9 des \u00e9changes bancaires, \u00e9videmment critique dans une perspective d\u2019acc\u00e9l\u00e9ration.<\/li>\n<\/ol>\n<p>Le <a href=\"https:\/\/www.sage.com\/fr-fr\/produits\/sage-xrt-advanced\/\">tr\u00e9sorier d\u2019entreprise<\/a>, en charge de la fluidit\u00e9 autant que de la s\u00e9curit\u00e9 des \u00e9changes de valeurs, se trouve clairement et plus que jamais au centre du jeu. Ce bouleversement le concerne au premier chef et induit une nouvelle fa\u00e7on de travailler, dont les modalit\u00e9s sont loin d\u2019\u00eatre toutes identifi\u00e9es.<br \/>\nFranz ZURENGER, Pr\u00e9sident de la Commission Syst\u00e8mes d\u2019Information de l\u2019Association Fran\u00e7aise des Tr\u00e9soriers d\u2019Entreprise <em>(<\/em>AFTE) et Directeur de la tr\u00e9sorerie du Groupe Interparfum, exprimait ainsi sa perception des changements :<\/p>\n<blockquote><p>\u00ab Un nouveau monde s\u2019ouvre \u00e0 nous. Il faut se r\u00e9inventer. Le tr\u00e9sorier va piloter toutes ces innovations au sein de l\u2019entreprise. \u00c0 nous de piocher les meilleurs services dans les offres propos\u00e9es. \u00bb<\/p><\/blockquote>\n\n<div class=\"single-cta gated-content\">\n\t<div class=\"single-cta__positioner\">\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\">Open Banking : quelles opportunit\u00e9s pour les tr\u00e9soriers d'entreprise ? <\/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-db3fc073-8d08-49f9-ab2e-71d78a8374b5\"\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 gratuitement le livre blanc<\/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=\"1252\" height=\"810\" src=\"https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2019\/11\/open-banking-LB-CTA-1252x810.jpg\" class=\"single-cta__image\" alt=\"open-banking-LB-CTA\" loading=\"lazy\" srcset=\"https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2019\/11\/open-banking-LB-CTA-1252x810.jpg 1252w\" sizes=\"auto, (min-width: 48em) 33vw, 100vw\" \/>\t\t\t<\/div>\n<\/div>\n\n<\/div>\n<div class=\"single-cta\">\n\t<div class=\"single-cta__positioner\">\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","protected":false},"excerpt":{"rendered":"<p>L\u2019\u00e9cosyst\u00e8me des tr\u00e9soriers et des solutions de paiements connait un bouleversement consid\u00e9rable sous l\u2019effet de trois facteurs qui se conjuguent et se renforcent mutuellement. La volont\u00e9 de l\u2019Union europ\u00e9enne de dynamiser les services de paiement et autour des paiements. L\u2019instauration de l\u2019Open Banking (directive DSP2) et la mise en place du paiement instantan\u00e9 pour toute [&hellip;]<\/p>\n","protected":false},"author":902,"featured_media":7909,"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":[834],"tags":[605,844],"business_type":[9],"lilypad":[],"context":[],"industry":[],"persona":[35,34],"imagine_tag":[728,462,458],"coauthors":[901],"class_list":["post-7908","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-guides-et-modeles-gratuits","tag-daf-directeur-administratif-financier","tag-paiement-en-ligne","business_type-petites-et-moyennes-entreprises"],"sage_meta":{"region":"fr-fr","author_name":"Sabine Ducrot-Ciss","featured_image":"https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2019\/11\/tresoriers-open-banking-opportunites.jpg","imagine_tags":{"728":"DAF - DSI","462":"Grandes 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\/7908","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=7908"}],"version-history":[{"count":0,"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/posts\/7908\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/media\/7909"}],"wp:attachment":[{"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/media?parent=7908"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/categories?post=7908"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/tags?post=7908"},{"taxonomy":"business_type","embeddable":true,"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/business_type?post=7908"},{"taxonomy":"lilypad","embeddable":true,"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/lilypad?post=7908"},{"taxonomy":"context","embeddable":true,"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/context?post=7908"},{"taxonomy":"industry","embeddable":true,"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/industry?post=7908"},{"taxonomy":"persona","embeddable":true,"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/persona?post=7908"},{"taxonomy":"imagine_tag","embeddable":true,"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/imagine_tag?post=7908"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/coauthors?post=7908"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}