{"id":10160,"date":"2023-03-01T18:14:00","date_gmt":"2023-03-01T17:14:00","guid":{"rendered":"https:\/\/www.sage.com\/fr-fr\/blog\/?post_type=sage_glossary&#038;p=10160"},"modified":"2025-01-30T17:27:29","modified_gmt":"2025-01-30T16:27:29","slug":"protocole-ebics-definition","status":"publish","type":"sage_glossary","link":"https:\/\/www.sage.com\/fr-fr\/blog\/glossaire\/protocole-ebics-definition\/","title":{"rendered":"Protocole EBICS : un standard de communication bancaire s\u00e9curis\u00e9"},"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\/glossaire\/\" class=\"entry-header__link\">D\u00e9finition<\/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\tProtocole EBICS : un standard de communication bancaire s\u00e9curis\u00e9\t\t\t\t\t<\/h1>\n\t\t\t\t<\/div>\n\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=\"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=\"Protocole EBICS : un standard de communication bancaire s\u00e9curis\u00e9\"\n\t\t\tdata-share-url=\"https:\/\/www.sage.com\/fr-fr\/blog\/glossaire\/protocole-ebics-definition\/\"\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<p>Les entreprises et institutions ont besoin de solutions fiables et s\u00e9curis\u00e9es pour \u00e9changer des donn\u00e9es financi\u00e8res avec les \u00e9tablissements bancaires. Parmi les protocoles de communication utilis\u00e9s, EBICS (Electronic Banking Internet Communication Standard) s\u2019impose comme une norme incontournable en Europe. <\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"#definition\">Protocole EBICS : d\u00e9finition<\/a><\/li>\n\n\n\n<li><a href=\"#differents\">les diff\u00e9rents protocoles EBICS<\/a><\/li>\n<\/ul>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-16018d1d wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"#gate-a7a14e8d-6160-4f0e-8739-9fb6eb57b682\">T\u00e9l\u00e9chargez la liste des 7 indices qui montrent que votre solution de gestion est d\u00e9pass\u00e9e<\/a><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"definition\">Qu\u2019est-ce que le protocole EBICS ?<\/h2>\n\n\n\n<p><strong> <\/strong>Le protocole EBICS est une norme de communication bancaire d\u00e9velopp\u00e9e pour permettre l\u2019\u00e9change s\u00e9curis\u00e9 de fichiers entre les entreprises et les banques. Il repose sur des technologies Internet standards et utilise des m\u00e9canismes de cryptographie avanc\u00e9s pour garantir la confidentialit\u00e9, l\u2019authenticit\u00e9 et l\u2019int\u00e9grit\u00e9 des donn\u00e9es \u00e9chang\u00e9es.<\/p>\n\n\n\n<p>Il est utilis\u00e9 dans plusieurs pays europ\u00e9ens et constitue un standard pour les flux de <a href=\"https:\/\/www.banque-france.fr\/fr\/a-votre-service\/particuliers\/mieux-connaitre-moyens-paiement\/virement-sepa\" target=\"_blank\" rel=\"noreferrer noopener\">paiement SEPA <\/a>et les \u00e9changes de relev\u00e9s bancaires.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-les-4-principaux-atouts-du-protocole-ebics\">Les 4 principaux atouts du protocole EBICS <\/h3>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>L&rsquo;interop\u00e9rabilit\u00e9<\/strong> entre plusieurs banques et pays utilisant la norme EBICS.<\/li>\n\n\n\n<li><strong>Un niveau de s\u00e9curit\u00e9 \u00e9lev\u00e9<\/strong> gr\u00e2ce \u00e0 l\u2019authentification forte et au chiffrement des \u00e9changes.<\/li>\n\n\n\n<li><strong>Une standardisation<\/strong> qui facilite l\u2019int\u00e9gration avec diff\u00e9rents syst\u00e8mes bancaires.<\/li>\n\n\n\n<li><strong>Une flexibilit\u00e9<\/strong> qui permet la gestion de volumes \u00e9lev\u00e9s de transactions.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"differents\">Quels sont les diff\u00e9rents protocoles ?<\/h2>\n\n\n\n<p>EBICS a \u00e9volu\u00e9 au fil des ann\u00e9es pour r\u00e9pondre aux besoins croissants en mati\u00e8re de communication bancaire et de s\u00e9curit\u00e9. Voici les 2 principales versions du protocole :<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>EBICS 2.4<\/strong>  est une des premi\u00e8res versions largement adopt\u00e9es en Europe. Elle permet la transmission s\u00e9curis\u00e9e des fichiers bancaires et repose sur l\u2019authentification forte des utilisateurs gr\u00e2ce \u00e0 des certificats \u00e9lectroniques. Cette version est encore utilis\u00e9e par certaines entreprises mais tend \u00e0 \u00eatre remplac\u00e9e par des versions plus r\u00e9centes.<br><\/li>\n\n\n\n<li><strong>EBICS 3.0<\/strong> vise \u00e0 harmoniser les protocoles utilis\u00e9s en Allemagne, en France et en Suisse. Cette version standardise les messages et renforce la s\u00e9curit\u00e9 des \u00e9changes. Parmi ses principales am\u00e9liorations, on retrouve :<\/li>\n<\/ol>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Une harmonisation des processus entre les pays europ\u00e9ens.<\/li>\n\n\n\n<li>L\u2019utilisation de formats XML pour une meilleure interop\u00e9rabilit\u00e9.<\/li>\n\n\n\n<li>Une simplification de la gestion des certificats.<\/li>\n\n\n\n<li>Un renforcement des m\u00e9canismes d\u2019authentification et de signature.<\/li>\n<\/ul>\n\n\n\n<p>Cette version s\u2019impose progressivement comme la norme de r\u00e9f\u00e9rence pour les entreprises et les institutions bancaires.<\/p>\n\n\n\n<p>Por conclure, le protocole EBICS est un standard incontournable pour les entreprises qui souhaitent s\u00e9curiser et automatiser leurs \u00e9changes bancaires. Gr\u00e2ce \u00e0 ses diff\u00e9rentes versions et aux <a href=\"https:\/\/www.sage.com\/fr-fr\/finance\/\">logiciels de gestion financi\u00e8re <\/a>qui l\u2019int\u00e8grent, il permet de g\u00e9rer efficacement les paiements, les relev\u00e9s bancaires et autres flux financiers en garantissant un haut niveau de s\u00e9curit\u00e9<\/p>\n\n\n\n<p>Ces articles peuvent \u00e9galement vous int\u00e9resser : <\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.sage.com\/fr-fr\/blog\/cyberattaques-securiser-donnees-financieres-entreprise\/\">Cyberattaques en hausse : comment s\u00e9curiser ses donn\u00e9es financi\u00e8res<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.sage.com\/fr-fr\/blog\/coffre-fort-numerique-atouts-entreprises\/\">Coffre-fort num\u00e9rique : les atouts pour les entreprises<\/a><\/li>\n<\/ul>\n\n\n\n<p>Glossaire initialement publi\u00e9 le 15\/10\/2021. Derni\u00e8re mise \u00e0 jour le 30\/01\/2025<\/p>\n\n\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\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\/banque\/\" class=\"post-tags__link button button--secondary\">\n\t\t\t\t\t\t\t\tBanque\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\/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\/ebics-ts\/\" class=\"post-tags__link button button--secondary\">\n\t\t\t\t\t\t\t\tEBICS TS\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-1327 post type-post status-publish format-standard has-post-thumbnail hentry category-gestion-financiere tag-banque tag-comptabilite tag-tresorerie 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=\"1214\" height=\"810\" src=\"https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2017\/12\/integrer_nouveaux_moyens_paiement_cash_management-1214x810.jpg\" class=\"card-post__image\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2017\/12\/integrer_nouveaux_moyens_paiement_cash_management-684x384.jpg 684w, https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2017\/12\/integrer_nouveaux_moyens_paiement_cash_management-768x513.jpg 768w, https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2017\/12\/integrer_nouveaux_moyens_paiement_cash_management-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\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=\"2026-01-29T16:34:17+01:00\">29 janvier 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\">6 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\/nouveaux-moyens-paiements-europeens-cash-management\/\"\n\t\t\t\t>\n\t\t\t\n\t\t\tNouveaux moyens de paiements et cash management : boostez votre tr\u00e9sorerie !\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\tLes nouveaux moyens de paiements red\u00e9finissent le cash management des entreprises.\nAvec la DSP2, l\u2019Open Banking et le paiement instantan\u00e9, la gestion de la tr\u00e9sorerie est plus rapide et s\u00e9curis\u00e9e.\nLes entreprises dispose ainsi d\u2019outils flexibles pour optimiser les flux et renforcer la performance financi\u00e8re.\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-7902 post type-post status-publish format-standard has-post-thumbnail hentry category-gestion-financiere tag-banque tag-comptabilite tag-paiement-en-ligne 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\/solutions-de-paiement-open-banking\/\"\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\/2019\/11\/GettyImages-521136693-684x384.jpg\" class=\"card-post__image\" alt=\"solutions-de-paiement-open-banking-instantane\" loading=\"lazy\" srcset=\"https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2019\/11\/GettyImages-521136693-684x384.jpg 684w, https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2019\/11\/GettyImages-521136693-768x585.jpg 768w, https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2019\/11\/GettyImages-521136693-1064x810.jpg 1064w\" 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=\"2026-01-29T14:38:18+01:00\">29 janvier 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\">7 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\tLes solutions de paiement \u00e0 l\u2019\u00e8re de l&rsquo;Open Banking et du paiement instantan\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-2 post-27794 sage_glossary type-sage_glossary status-publish hentry tag-banque tag-comptabilite tag-paiement-en-ligne\"\n>\n\t\t\t<a\n\t\t\tclass=\"card-post__link\"\n\t\t\thref=\"https:\/\/www.sage.com\/fr-fr\/blog\/glossaire\/open-banking\/\"\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\" src=\"https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/themes\/sage\/dist\/images\/placeholder-related.png\" class=\"card-post__image\" loading=\"lazy\" alt=\"\">\n\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\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\tOpen Banking : innovation, s\u00e9curit\u00e9 et nouveaux services financiers\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-27716 post type-post status-publish format-standard has-post-thumbnail hentry category-gestion-financiere tag-banque tag-business-plan tag-comptabilite business_type-artisans-et-petites-entreprises 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\/business-plan-restaurant\/\"\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-1330025921-684x384.jpg\" class=\"card-post__image\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2022\/04\/GettyImages-1330025921-684x384.jpg 684w, https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2022\/04\/GettyImages-1330025921-768x432.jpg 768w, https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2022\/04\/GettyImages-1330025921-1440x810.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\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=\"2026-01-29T09:15:00+01:00\">29 janvier 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\tBusiness plan de restaurant : comment maximiser la rentabilit\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-4 post-27657 sage_glossary type-sage_glossary status-publish hentry tag-banque tag-comptabilite tag-ia-digitalisation\"\n>\n\t\t\t<a\n\t\t\tclass=\"card-post__link\"\n\t\t\thref=\"https:\/\/www.sage.com\/fr-fr\/blog\/glossaire\/dsp2\/\"\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\" src=\"https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/themes\/sage\/dist\/images\/placeholder-related.png\" class=\"card-post__image\" loading=\"lazy\" alt=\"\">\n\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\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\tLa DSP2 : s\u00e9curit\u00e9 et innovation des paiements\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>Les entreprises et institutions ont besoin de solutions fiables et s\u00e9curis\u00e9es pour \u00e9changer des donn\u00e9es financi\u00e8res avec les \u00e9tablissements bancaires. Parmi les protocoles de communication utilis\u00e9s, EBICS (Electronic Banking Internet Communication Standard) s\u2019impose comme une norme incontournable en Europe. Qu\u2019est-ce que le protocole EBICS ? Le protocole EBICS est une norme de communication bancaire d\u00e9velopp\u00e9e [&hellip;]<\/p>\n","protected":false},"author":1299,"featured_media":0,"template":"","meta":{"_sage_video":false,"footnotes":""},"tags":[124,118,112],"class_list":["post-10160","sage_glossary","type-sage_glossary","status-publish","hentry","tag-banque","tag-cybersecurite-ou-securite-informatique","tag-ebics-ts"],"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\/sage_glossary\/10160","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/sage_glossary"}],"about":[{"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/types\/sage_glossary"}],"author":[{"embeddable":true,"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/users\/1299"}],"version-history":[{"count":0,"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/sage_glossary\/10160\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/media?parent=10160"}],"wp:term":[{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/tags?post=10160"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}