{"id":98395,"date":"2025-01-17T11:17:46","date_gmt":"2025-01-17T10:17:46","guid":{"rendered":"https:\/\/www.efcom.de\/symposium-efcom-2024\/"},"modified":"2025-01-17T14:59:40","modified_gmt":"2025-01-17T13:59:40","slug":"symposium-efcom-2024","status":"publish","type":"post","link":"https:\/\/www.efcom.de\/fr\/symposium-efcom-2024\/","title":{"rendered":"Symposium efcom 2024"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row css=\u00a0\u00bb.vc_custom_1708334309580{margin-top: 45px !important;}\u00a0\u00bb][vc_column width=\u00a0\u00bb1\/5&Prime;][\/vc_column][vc_column width=\u00a0\u00bb3\/5&Prime;]<div id=\"ultimate-heading-268069f29d237b73e\" class=\"uvc-heading ult-adjust-bottom-margin ultimate-heading-268069f29d237b73e uvc-2382 \" data-hspacer=\"no_spacer\"  data-halign=\"center\" style=\"text-align:center\"><div class=\"uvc-heading-spacer no_spacer\" style=\"top\"><\/div><div class=\"uvc-main-heading ult-responsive\"  data-ultimate-target='.uvc-heading.ultimate-heading-268069f29d237b73e h1'  data-responsive-json-new='{\"font-size\":\"desktop:55px;\",\"line-height\":\"desktop:65px;\"}' ><h1 style=\"font-family:&#039;Roboto Condensed&#039;;font-weight:300;color:#eb9000;margin-bottom:30px;\">Symposium efcom 2024<\/h1><\/div><\/div><div id=\"ultimate-heading-287369f29d237b7e2\" class=\"uvc-heading ult-adjust-bottom-margin ultimate-heading-287369f29d237b7e2 uvc-6326 \" data-hspacer=\"no_spacer\"  data-halign=\"center\" style=\"text-align:center\"><div class=\"uvc-heading-spacer no_spacer\" style=\"top\"><\/div><div class=\"uvc-main-heading ult-responsive\"  data-ultimate-target='.uvc-heading.ultimate-heading-287369f29d237b7e2 h1'  data-responsive-json-new='{\"font-size\":\"desktop:50px;\",\"line-height\":\"desktop:65px;\"}' ><h1 style=\"font-family:&#039;Roboto Condensed&#039;;font-weight:700;\">Comment fonctionne l&#039;affacturage au niveau international?<\/h1><\/div><\/div>[vc_video 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a.single-soc-icon-15b988045b57f6709eca704584b326f8:hover .soc-icon,\n#phantom .dt-shortcode-soc-icons a.single-soc-icon-15b988045b57f6709eca704584b326f8:hover .soc-icon {\n  color: #ffffff;\n  background: none;\n}\n#page .dt-shortcode-soc-icons a.single-soc-icon-15b988045b57f6709eca704584b326f8.dt-icon-hover-bg-on:after,\n#phantom .dt-shortcode-soc-icons a.single-soc-icon-15b988045b57f6709eca704584b326f8.dt-icon-hover-bg-on:after {\n  background: rgba(0,0,0,0.5);\n}\n#page .dt-shortcode-soc-icons a.single-soc-icon-15b988045b57f6709eca704584b326f8:not(:hover) .soc-font-icon,\n#phantom .dt-shortcode-soc-icons a.single-soc-icon-15b988045b57f6709eca704584b326f8:not(:hover) .soc-font-icon,\n#page .dt-shortcode-soc-icons a.single-soc-icon-15b988045b57f6709eca704584b326f8:not(:hover) .soc-icon,\n#phantom .dt-shortcode-soc-icons a.single-soc-icon-15b988045b57f6709eca704584b326f8:not(:hover) .soc-icon {\n  color: #ffffff;\n  background: none;\n}\n.dt-shortcode-soc-icons a.single-soc-icon-15b988045b57f6709eca704584b326f8 .soc-font-icon,\n.dt-shortcode-soc-icons a.single-soc-icon-15b988045b57f6709eca704584b326f8 .soc-icon {\n  font-size: 18px;\n}<\/style><a title=\"Mail\" href=\"mailto: sales@efcom.de\" class=\"mail single-soc-icon-15b988045b57f6709eca704584b326f8 dt-icon-bg-on dt-icon-hover-bg-on\"><i class=\"soc-icon soc-font-icon dt-icon-mail\"><\/i><span class=\"screen-reader-text\">Mail<\/span><\/a><\/div>\t\t<\/div><\/div>[\/vc_column][vc_column width=\u00a0\u00bb1\/5&Prime;][\/vc_column][\/vc_row][vc_row css=\u00a0\u00bb.vc_custom_1730451135338{padding-top: 25px !important;}\u00a0\u00bb][vc_column width=\u00a0\u00bb1\/5&Prime;][\/vc_column][vc_column width=\u00a0\u00bb3\/5&Prime;][vc_column_text css=\u00a0\u00bb.vc_custom_1730451161048{padding-top: 20px !important;padding-bottom: 10px !important;}\u00a0\u00bb]<span style=\"font-size: 15pt; line-height: 2.0;\">Neu-Isenburg, novembre 2024 &#8211; De nombreux clients*, partenaires*, fournisseurs* ainsi que quelques personnes int\u00e9ress\u00e9es* d&rsquo;Allemagne et de l&rsquo;\u00e9tranger ont r\u00e9pondu \u00e0 notre invitation \u00e0 Neu-Isenburg et ont fait du 26 septembre une journ\u00e9e d&rsquo;\u00e9changes intensifs. L&rsquo;accent a \u00e9t\u00e9 mis sur la question suivante : comment fonctionne l&rsquo;affacturage au niveau international ? Et : quels avantages sous forme de caract\u00e9ristiques et de nouvelles fonctions pouvons-nous en tirer en tant que fournisseur de logiciels ? Pour ce faire, nous avons invit\u00e9 plusieurs participants* de quatre continents \u00e0 pr\u00e9senter au public leur point de vue sur le secteur de l&rsquo;affacturage. Il s&rsquo;agissait donc d&rsquo;un voyage autour du monde en quelques heures seulement, si l&rsquo;on peut dire. \u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-size: 15pt; line-height: 2.0;\">C&rsquo;est le nouveau secr\u00e9taire g\u00e9n\u00e9ral de la FCI, Neal Harm, qui a ouvert le bal. Dans son expos\u00e9, il a soulign\u00e9 que la FCI se consid\u00e8re avant tout comme un r\u00e9seau disponible pour tous ses membres dans le monde entier. Un r\u00e9seau qui porte ses fruits, car les chiffres dans le domaine du financement par compte ouvert continuent d&rsquo;\u00e9voluer \u00e0 la hausse. Au niveau international, l&rsquo;affacturage est toujours en hausse, m\u00eame si celle-ci s&rsquo;est entre-temps ralentie. Les entreprises ont besoin de savoir-faire, de processus et de partenariats dans le cadre du financement du commerce transfrontalier. La FCI fait office de lien important depuis plusieurs d\u00e9cennies et compte aujourd&rsquo;hui plus de 400 membres dans plus de 90 pays. Une v\u00e9ritable histoire \u00e0 succ\u00e8s. <\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-size: 15pt; line-height: 2.0;\">La BERD est un autre acteur important dans le domaine de l&rsquo;affacturage international. En tant que banque de d\u00e9veloppement classique, elle est d\u00e9tenue par 72 pays au total. Dans sa fonction de banquier senior pour le programme de financement du commerce (Trade Facilitation Programme), Marco Nindl a pr\u00e9sent\u00e9 ses diff\u00e9rents produits. Il s&rsquo;agit notamment des garanties, de la promotion des liquidit\u00e9s et du programme d&rsquo;affacturage\/reverse factoring. Pour ce dernier, 2 milliards d&rsquo;euros ont \u00e9t\u00e9 investis depuis 2006, et huit pays sont actuellement impliqu\u00e9s. La BERD collabore avec FCI pour transmettre son savoir-faire dans les pays o\u00f9 l&rsquo;affacturage international est encore largement m\u00e9connu, par exemple par le biais de conf\u00e9rences sur place, de s\u00e9minaires ou de formations. En ce sens, la BERD effectue un travail de d\u00e9veloppement important pour faire progresser l&rsquo;affacturage international.<\/span>[\/vc_column_text][\/vc_column][vc_column width=\u00a0\u00bb1\/5&Prime;][\/vc_column][\/vc_row][vc_row][vc_column width=\u00a0\u00bb1\/5&Prime;][\/vc_column][vc_column width=\u00a0\u00bb3\/5&Prime;]<style type=\"text\/css\" data-type=\"the7_shortcodes-inline-css\">.gallery-shortcode.gallery-photos-masonry-shortcode-id-34f998e69617b7ec0207cca3b5fbc08b figure,\n.gallery-shortcode.gallery-photos-masonry-shortcode-id-34f998e69617b7ec0207cca3b5fbc08b .rollover,\n.gallery-shortcode.gallery-photos-masonry-shortcode-id-34f998e69617b7ec0207cca3b5fbc08b img,\n.gallery-shortcode.gallery-photos-masonry-shortcode-id-34f998e69617b7ec0207cca3b5fbc08b .gallery-rollover {\n  border-radius: 0px;\n}\n.gallery-shortcode.gallery-photos-masonry-shortcode-id-34f998e69617b7ec0207cca3b5fbc08b.enable-bg-rollover .gallery-rollover {\n  background: -webkit-linear-gradient();\n  background: linear-gradient();\n}\n.gallery-shortcode.gallery-photos-masonry-shortcode-id-34f998e69617b7ec0207cca3b5fbc08b.enable-bg-rollover.hover-scale .rollover:after {\n  background: -webkit-linear-gradient();\n  background: linear-gradient();\n}\n.gallery-shortcode.gallery-photos-masonry-shortcode-id-34f998e69617b7ec0207cca3b5fbc08b .gallery-zoom-ico {\n  width: 44px;\n  height: 44px;\n  line-height: 44px;\n  border-radius: 100px;\n  margin: -22px 0 0 -22px;\n  border-width: 0px;\n}\n.dt-icon-bg-on.gallery-shortcode.gallery-photos-masonry-shortcode-id-34f998e69617b7ec0207cca3b5fbc08b .gallery-zoom-ico {\n  background: rgba(255,255,255,0.3);\n  -webkit-box-shadow: none;\n  box-shadow: none;\n}\n.gallery-shortcode.gallery-photos-masonry-shortcode-id-34f998e69617b7ec0207cca3b5fbc08b .gallery-zoom-ico:before,\n.gallery-shortcode.gallery-photos-masonry-shortcode-id-34f998e69617b7ec0207cca3b5fbc08b .gallery-zoom-ico span {\n  font-size: 32px;\n  line-height: 44px;\n  color: #ffffff;\n}\n.gallery-shortcode.gallery-photos-masonry-shortcode-id-34f998e69617b7ec0207cca3b5fbc08b:not(.resize-by-browser-width) .dt-css-grid {\n  grid-row-gap: 10px;\n  grid-column-gap: 10px;\n  grid-template-columns: repeat(auto-fill,minmax(,1fr));\n}\n.gallery-shortcode.gallery-photos-masonry-shortcode-id-34f998e69617b7ec0207cca3b5fbc08b:not(.resize-by-browser-width) .dt-css-grid .double-width {\n  grid-column: span 2;\n}\n.cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-34f998e69617b7ec0207cca3b5fbc08b:not(.resize-by-browser-width) .dt-css-grid,\n.no-cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-34f998e69617b7ec0207cca3b5fbc08b:not(.resize-by-browser-width) .dt-css-grid {\n  display: flex;\n  flex-flow: row wrap;\n  margin: -5px;\n}\n.cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-34f998e69617b7ec0207cca3b5fbc08b:not(.resize-by-browser-width) .dt-css-grid .wf-cell,\n.no-cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-34f998e69617b7ec0207cca3b5fbc08b:not(.resize-by-browser-width) .dt-css-grid .wf-cell {\n  flex: 1 0 ;\n  max-width: 100%;\n  padding: 5px;\n  box-sizing: border-box;\n}\n.gallery-shortcode.gallery-photos-masonry-shortcode-id-34f998e69617b7ec0207cca3b5fbc08b.resize-by-browser-width .dt-css-grid {\n  grid-template-columns: repeat(2,1fr);\n  grid-template-rows: auto;\n  grid-column-gap: 10px;\n  grid-row-gap: 10px;\n}\n.gallery-shortcode.gallery-photos-masonry-shortcode-id-34f998e69617b7ec0207cca3b5fbc08b.resize-by-browser-width .dt-css-grid .double-width {\n  grid-column: span 2;\n}\n.cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-34f998e69617b7ec0207cca3b5fbc08b.resize-by-browser-width .dt-css-grid {\n  margin: -5px;\n}\n.cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-34f998e69617b7ec0207cca3b5fbc08b.resize-by-browser-width .dt-css-grid .wf-cell {\n  width: 50%;\n  padding: 5px;\n}\n.cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-34f998e69617b7ec0207cca3b5fbc08b.resize-by-browser-width .dt-css-grid .wf-cell.double-width {\n  width: calc(50%) * 2;\n}\n.gallery-shortcode.gallery-photos-masonry-shortcode-id-34f998e69617b7ec0207cca3b5fbc08b.resize-by-browser-width:not(.centered-layout-list):not(.content-bg-on) .dt-css-grid {\n  grid-row-gap: 10px - ;\n}\n@media screen and (max-width: 1199px) {\n  .gallery-shortcode.gallery-photos-masonry-shortcode-id-34f998e69617b7ec0207cca3b5fbc08b.resize-by-browser-width .dt-css-grid {\n    grid-template-columns: repeat(2,1fr);\n  }\n  .cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-34f998e69617b7ec0207cca3b5fbc08b.resize-by-browser-width .dt-css-grid .wf-cell,\n  .no-cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-34f998e69617b7ec0207cca3b5fbc08b.resize-by-browser-width .dt-css-grid .wf-cell {\n    width: 50%;\n  }\n  .cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-34f998e69617b7ec0207cca3b5fbc08b.resize-by-browser-width .dt-css-grid .wf-cell.double-width,\n  .no-cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-34f998e69617b7ec0207cca3b5fbc08b.resize-by-browser-width .dt-css-grid .wf-cell.double-width {\n    width: calc(50%)*2;\n  }\n}\n@media screen and (max-width: 991px) {\n  .gallery-shortcode.gallery-photos-masonry-shortcode-id-34f998e69617b7ec0207cca3b5fbc08b.resize-by-browser-width .dt-css-grid {\n    grid-template-columns: repeat(2,1fr);\n  }\n  .cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-34f998e69617b7ec0207cca3b5fbc08b.resize-by-browser-width .dt-css-grid .wf-cell,\n  .no-cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-34f998e69617b7ec0207cca3b5fbc08b.resize-by-browser-width .dt-css-grid .wf-cell {\n    width: 50%;\n  }\n  .cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-34f998e69617b7ec0207cca3b5fbc08b.resize-by-browser-width .dt-css-grid .wf-cell.double-width,\n  .no-cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-34f998e69617b7ec0207cca3b5fbc08b.resize-by-browser-width .dt-css-grid .wf-cell.double-width {\n    width: calc(50%)*2;\n  }\n}\n@media screen and (max-width: 767px) {\n  .gallery-shortcode.gallery-photos-masonry-shortcode-id-34f998e69617b7ec0207cca3b5fbc08b.resize-by-browser-width .dt-css-grid {\n    grid-template-columns: repeat(1,1fr);\n  }\n  .cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-34f998e69617b7ec0207cca3b5fbc08b.resize-by-browser-width .dt-css-grid .wf-cell,\n  .no-cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-34f998e69617b7ec0207cca3b5fbc08b.resize-by-browser-width .dt-css-grid .wf-cell {\n    width: 100%;\n  }\n  .cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-34f998e69617b7ec0207cca3b5fbc08b.resize-by-browser-width .dt-css-grid .wf-cell.double-width,\n  .no-cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-34f998e69617b7ec0207cca3b5fbc08b.resize-by-browser-width .dt-css-grid .wf-cell.double-width {\n    width: calc(100%)*2;\n  }\n}<\/style><div class=\"gallery-shortcode album-gallery-shortcode dt-gallery-container gallery-photos-masonry-shortcode-id-34f998e69617b7ec0207cca3b5fbc08b mode-masonry jquery-filter dt-icon-bg-off quick-scale-img enable-bg-rollover resize-by-browser-width  hover-fade loading-effect-none description-on-hover\" data-padding=\"5px\" data-cur-page=\"1\" data-post-limit=\"-1\" data-pagination-mode=\"none\" data-desktop-columns-num=\"2\" data-v-tablet-columns-num=\"2\" data-h-tablet-columns-num=\"2\" data-phone-columns-num=\"1\" data-width=\"0px\" data-columns=\"0\"><div class=\"iso-container\" ><\/div><!-- iso-container|iso-grid --><\/div>[\/vc_column][vc_column width=\u00a0\u00bb1\/5&Prime;][\/vc_column][\/vc_row][vc_row css=\u00a0\u00bb.vc_custom_1730282929099{padding-top: 50px !important;}\u00a0\u00bb][vc_column width=\u00a0\u00bb1\/5&Prime;][\/vc_column][vc_column width=\u00a0\u00bb3\/5&Prime;][vc_column_text css=\u00a0\u00bb.vc_custom_1730462419677{padding-top: 20px !important;padding-bottom: 10px !important;}\u00a0\u00bb]<strong><span style=\"font-size: 18pt; line-height: 1.5;\">Un tour d&rsquo;horizon international<\/span><\/strong><\/p>\n<p><span style=\"font-size: 15pt; line-height: 2.0;\">Plusieurs invit\u00e9s internationaux ont pris part \u00e0 la discussion : Nassourou Aminou de FCI (Afrique), Pankaj Mundra de 360tf (Inde\/MENA), Cristian Ionescu d&rsquo;Instant Factoring (Europe de l&rsquo;Est) ainsi que Mark Mandula de BCR (USA), le mod\u00e9rateur \u00e9tait Federico Avell\u00e1n Borgmeyer d&rsquo;efcom. Selon Pankaj Mundra, les opportunit\u00e9s futures pour l&rsquo;affacturage en Inde sont tr\u00e8s importantes, car les exportations continuent d&rsquo;augmenter. L&rsquo;Allemagne fait partie des plus grands importateurs. L&rsquo;objectif de 360tf, qui est l&rsquo;une des quatre soci\u00e9t\u00e9s financi\u00e8res en Inde ayant des activit\u00e9s d&rsquo;affacturage transfrontalier, est d&rsquo;aider les PME \u00e0 exporter leurs marchandises dans le monde entier. Nassourou Aminou rapporte certes dans sa courte contribution que l&rsquo;Afrique ne repr\u00e9sente actuellement qu&rsquo;une faible part du volume mondial de l&rsquo;affacturage. Mais l\u00e0 aussi, il existe un \u00e9norme potentiel sur tous les march\u00e9s entre l&rsquo;Afrique du Sud et la Tunisie, ainsi que la Somalie et le S\u00e9n\u00e9gal. Il s&rsquo;agit de l&rsquo;exploiter, notamment gr\u00e2ce \u00e0 l&rsquo;important travail pr\u00e9paratoire effectu\u00e9 par la FCI, la BERD et la SFI.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-size: 15pt; line-height: 2.0;\">Dans son expos\u00e9, Mark Mandula a mis en lumi\u00e8re le march\u00e9 de l&rsquo;affacturage aux \u00c9tats-Unis. Le fait est qu&rsquo;il n&rsquo;y a que trois ou quatre entreprises d&rsquo;affacturage vraiment importantes sur le march\u00e9 am\u00e9ricain, qui est \u00e0 peine r\u00e9glement\u00e9. Malgr\u00e9 la taille et l&rsquo;importance de ce march\u00e9, la part de l&rsquo;affacturage dans le PIB est inf\u00e9rieure \u00e0 0,5% (par rapport \u00e0 l&rsquo;UE : environ 12%) ! Les raisons de cette situation sont diverses et tiennent notamment \u00e0 la m\u00e9connaissance, au manque de confiance, aux co\u00fbts \u00e9lev\u00e9s et \u00e0 la complexit\u00e9.<\/span>[\/vc_column_text][\/vc_column][vc_column width=\u00a0\u00bb1\/5&Prime;][\/vc_column][\/vc_row][vc_row][vc_column width=\u00a0\u00bb1\/5&Prime;][\/vc_column][vc_column width=\u00a0\u00bb3\/5&Prime;]<style type=\"text\/css\" data-type=\"the7_shortcodes-inline-css\">.gallery-shortcode.gallery-photos-masonry-shortcode-id-faf68a5301f45029efa34f1806e137d8 figure,\n.gallery-shortcode.gallery-photos-masonry-shortcode-id-faf68a5301f45029efa34f1806e137d8 .rollover,\n.gallery-shortcode.gallery-photos-masonry-shortcode-id-faf68a5301f45029efa34f1806e137d8 img,\n.gallery-shortcode.gallery-photos-masonry-shortcode-id-faf68a5301f45029efa34f1806e137d8 .gallery-rollover {\n  border-radius: 0px;\n}\n.gallery-shortcode.gallery-photos-masonry-shortcode-id-faf68a5301f45029efa34f1806e137d8.enable-bg-rollover .gallery-rollover {\n  background: -webkit-linear-gradient();\n  background: linear-gradient();\n}\n.gallery-shortcode.gallery-photos-masonry-shortcode-id-faf68a5301f45029efa34f1806e137d8.enable-bg-rollover.hover-scale .rollover:after {\n  background: -webkit-linear-gradient();\n  background: linear-gradient();\n}\n.gallery-shortcode.gallery-photos-masonry-shortcode-id-faf68a5301f45029efa34f1806e137d8 .gallery-zoom-ico {\n  width: 44px;\n  height: 44px;\n  line-height: 44px;\n  border-radius: 100px;\n  margin: -22px 0 0 -22px;\n  border-width: 0px;\n}\n.dt-icon-bg-on.gallery-shortcode.gallery-photos-masonry-shortcode-id-faf68a5301f45029efa34f1806e137d8 .gallery-zoom-ico {\n  background: rgba(255,255,255,0.3);\n  -webkit-box-shadow: none;\n  box-shadow: none;\n}\n.gallery-shortcode.gallery-photos-masonry-shortcode-id-faf68a5301f45029efa34f1806e137d8 .gallery-zoom-ico:before,\n.gallery-shortcode.gallery-photos-masonry-shortcode-id-faf68a5301f45029efa34f1806e137d8 .gallery-zoom-ico span {\n  font-size: 32px;\n  line-height: 44px;\n  color: #ffffff;\n}\n.gallery-shortcode.gallery-photos-masonry-shortcode-id-faf68a5301f45029efa34f1806e137d8:not(.resize-by-browser-width) .dt-css-grid {\n  grid-row-gap: 10px;\n  grid-column-gap: 10px;\n  grid-template-columns: repeat(auto-fill,minmax(,1fr));\n}\n.gallery-shortcode.gallery-photos-masonry-shortcode-id-faf68a5301f45029efa34f1806e137d8:not(.resize-by-browser-width) .dt-css-grid .double-width {\n  grid-column: span 2;\n}\n.cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-faf68a5301f45029efa34f1806e137d8:not(.resize-by-browser-width) .dt-css-grid,\n.no-cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-faf68a5301f45029efa34f1806e137d8:not(.resize-by-browser-width) .dt-css-grid {\n  display: flex;\n  flex-flow: row wrap;\n  margin: -5px;\n}\n.cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-faf68a5301f45029efa34f1806e137d8:not(.resize-by-browser-width) .dt-css-grid .wf-cell,\n.no-cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-faf68a5301f45029efa34f1806e137d8:not(.resize-by-browser-width) .dt-css-grid .wf-cell {\n  flex: 1 0 ;\n  max-width: 100%;\n  padding: 5px;\n  box-sizing: border-box;\n}\n.gallery-shortcode.gallery-photos-masonry-shortcode-id-faf68a5301f45029efa34f1806e137d8.resize-by-browser-width .dt-css-grid {\n  grid-template-columns: repeat(2,1fr);\n  grid-template-rows: auto;\n  grid-column-gap: 10px;\n  grid-row-gap: 10px;\n}\n.gallery-shortcode.gallery-photos-masonry-shortcode-id-faf68a5301f45029efa34f1806e137d8.resize-by-browser-width .dt-css-grid .double-width {\n  grid-column: span 2;\n}\n.cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-faf68a5301f45029efa34f1806e137d8.resize-by-browser-width .dt-css-grid {\n  margin: -5px;\n}\n.cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-faf68a5301f45029efa34f1806e137d8.resize-by-browser-width .dt-css-grid .wf-cell {\n  width: 50%;\n  padding: 5px;\n}\n.cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-faf68a5301f45029efa34f1806e137d8.resize-by-browser-width .dt-css-grid .wf-cell.double-width {\n  width: calc(50%) * 2;\n}\n.gallery-shortcode.gallery-photos-masonry-shortcode-id-faf68a5301f45029efa34f1806e137d8.resize-by-browser-width:not(.centered-layout-list):not(.content-bg-on) .dt-css-grid {\n  grid-row-gap: 10px - ;\n}\n@media screen and (max-width: 1199px) {\n  .gallery-shortcode.gallery-photos-masonry-shortcode-id-faf68a5301f45029efa34f1806e137d8.resize-by-browser-width .dt-css-grid {\n    grid-template-columns: repeat(2,1fr);\n  }\n  .cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-faf68a5301f45029efa34f1806e137d8.resize-by-browser-width .dt-css-grid .wf-cell,\n  .no-cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-faf68a5301f45029efa34f1806e137d8.resize-by-browser-width .dt-css-grid .wf-cell {\n    width: 50%;\n  }\n  .cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-faf68a5301f45029efa34f1806e137d8.resize-by-browser-width .dt-css-grid .wf-cell.double-width,\n  .no-cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-faf68a5301f45029efa34f1806e137d8.resize-by-browser-width .dt-css-grid .wf-cell.double-width {\n    width: calc(50%)*2;\n  }\n}\n@media screen and (max-width: 991px) {\n  .gallery-shortcode.gallery-photos-masonry-shortcode-id-faf68a5301f45029efa34f1806e137d8.resize-by-browser-width .dt-css-grid {\n    grid-template-columns: repeat(2,1fr);\n  }\n  .cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-faf68a5301f45029efa34f1806e137d8.resize-by-browser-width .dt-css-grid .wf-cell,\n  .no-cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-faf68a5301f45029efa34f1806e137d8.resize-by-browser-width .dt-css-grid .wf-cell {\n    width: 50%;\n  }\n  .cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-faf68a5301f45029efa34f1806e137d8.resize-by-browser-width .dt-css-grid .wf-cell.double-width,\n  .no-cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-faf68a5301f45029efa34f1806e137d8.resize-by-browser-width .dt-css-grid .wf-cell.double-width {\n    width: calc(50%)*2;\n  }\n}\n@media screen and (max-width: 767px) {\n  .gallery-shortcode.gallery-photos-masonry-shortcode-id-faf68a5301f45029efa34f1806e137d8.resize-by-browser-width .dt-css-grid {\n    grid-template-columns: repeat(1,1fr);\n  }\n  .cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-faf68a5301f45029efa34f1806e137d8.resize-by-browser-width .dt-css-grid .wf-cell,\n  .no-cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-faf68a5301f45029efa34f1806e137d8.resize-by-browser-width .dt-css-grid .wf-cell {\n    width: 100%;\n  }\n  .cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-faf68a5301f45029efa34f1806e137d8.resize-by-browser-width .dt-css-grid .wf-cell.double-width,\n  .no-cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-faf68a5301f45029efa34f1806e137d8.resize-by-browser-width .dt-css-grid .wf-cell.double-width {\n    width: calc(100%)*2;\n  }\n}<\/style><div class=\"gallery-shortcode album-gallery-shortcode dt-gallery-container gallery-photos-masonry-shortcode-id-faf68a5301f45029efa34f1806e137d8 mode-masonry jquery-filter dt-icon-bg-off quick-scale-img enable-bg-rollover resize-by-browser-width  hover-fade loading-effect-none description-on-hover\" data-padding=\"5px\" data-cur-page=\"1\" data-post-limit=\"-1\" data-pagination-mode=\"none\" data-desktop-columns-num=\"2\" data-v-tablet-columns-num=\"2\" data-h-tablet-columns-num=\"2\" data-phone-columns-num=\"1\" data-width=\"0px\" data-columns=\"0\"><div class=\"iso-container\" ><\/div><!-- iso-container|iso-grid --><\/div>[\/vc_column][vc_column width=\u00a0\u00bb1\/5&Prime;][\/vc_column][\/vc_row][vc_row css=\u00a0\u00bb.vc_custom_1730295579326{padding-top: 20px !important;}\u00a0\u00bb][vc_column width=\u00a0\u00bb1\/5&Prime;][\/vc_column][vc_column width=\u00a0\u00bb3\/5&Prime;][vc_column_text css=\u00a0\u00bb.vc_custom_1730462452670{padding-top: 20px !important;padding-bottom: 10px !important;}\u00a0\u00bb]<span style=\"font-size: 15pt; line-height: 2.0;\">L&rsquo;intervention suivante de Federico Avell\u00e1n Borgmeyer portait sur l&rsquo;affacturage islamique. Dans ce domaine, efcom propose depuis un certain temps le produit ifX, qui se concentre sur la repr\u00e9sentation conforme \u00e0 la charia des processus dans l&rsquo;affacturage. Au cours de notre r\u00e9flexion sur ce sujet, nous avons r\u00e9alis\u00e9 qu&rsquo;il n&rsquo;y a pas une seule voie pour r\u00e9pondre aux exigences de la charia, mais plusieurs voies correctes. Notre solution prend actuellement en charge les contrats suivants : Wakalah Bi-Al Istithmar, Murabahah, Musharakah, Al-Kharaj bi-al-Daman, Bai Muajjal. Quels sont les march\u00e9s int\u00e9ressants ici ? En premier lieu l&rsquo;Arabie saoudite et les EAU, mais aussi d&rsquo;autres pays &#8211; par exemple en Afrique &#8211; dont la population est en partie islamique. M\u00eame si l&rsquo;affacturage islamique est encore un produit de niche, il rec\u00e8le un grand potentiel pour l&rsquo;avenir.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-size: 15pt; line-height: 2.0;\">Pour conclure, Cristian Ionescu a expliqu\u00e9 comment l&rsquo;id\u00e9e de la plateforme d&rsquo;affacturage instantan\u00e9 s&rsquo;est cristallis\u00e9e et quel est son objectif : les petites et tr\u00e8s petites entreprises qui n&rsquo;auraient pas acc\u00e8s au march\u00e9 financier. Les activit\u00e9s de la plateforme en Roumanie, en Serbie et maintenant en Espagne montrent que la demande pour de tels services est \u00e9norme &#8211; m\u00eame si le volume total est relativement faible.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-size: 15pt; line-height: 2.0;\">Les pan\u00e9listes se sont finalement accord\u00e9s sur le fait que l&rsquo;\u00e9ducation, la formation et l&rsquo;apprentissage sont des piliers importants de la r\u00e9ussite des op\u00e9rations d&rsquo;affacturage &#8211; dans toutes les r\u00e9gions o\u00f9 il n&rsquo;est pas (encore) \u00e9tabli.<\/span>[\/vc_column_text][\/vc_column][vc_column width=\u00a0\u00bb1\/5&Prime;][\/vc_column][\/vc_row][vc_row][vc_column width=\u00a0\u00bb1\/5&Prime;][\/vc_column][vc_column width=\u00a0\u00bb3\/5&Prime;]<style type=\"text\/css\" data-type=\"the7_shortcodes-inline-css\">.gallery-shortcode.gallery-photos-masonry-shortcode-id-6b8875210e78257f6d127db54ada9a98 figure,\n.gallery-shortcode.gallery-photos-masonry-shortcode-id-6b8875210e78257f6d127db54ada9a98 .rollover,\n.gallery-shortcode.gallery-photos-masonry-shortcode-id-6b8875210e78257f6d127db54ada9a98 img,\n.gallery-shortcode.gallery-photos-masonry-shortcode-id-6b8875210e78257f6d127db54ada9a98 .gallery-rollover {\n  border-radius: 0px;\n}\n.gallery-shortcode.gallery-photos-masonry-shortcode-id-6b8875210e78257f6d127db54ada9a98.enable-bg-rollover .gallery-rollover {\n  background: -webkit-linear-gradient();\n  background: linear-gradient();\n}\n.gallery-shortcode.gallery-photos-masonry-shortcode-id-6b8875210e78257f6d127db54ada9a98.enable-bg-rollover.hover-scale .rollover:after {\n  background: -webkit-linear-gradient();\n  background: linear-gradient();\n}\n.gallery-shortcode.gallery-photos-masonry-shortcode-id-6b8875210e78257f6d127db54ada9a98 .gallery-zoom-ico {\n  width: 44px;\n  height: 44px;\n  line-height: 44px;\n  border-radius: 100px;\n  margin: -22px 0 0 -22px;\n  border-width: 0px;\n}\n.dt-icon-bg-on.gallery-shortcode.gallery-photos-masonry-shortcode-id-6b8875210e78257f6d127db54ada9a98 .gallery-zoom-ico {\n  background: rgba(255,255,255,0.3);\n  -webkit-box-shadow: none;\n  box-shadow: none;\n}\n.gallery-shortcode.gallery-photos-masonry-shortcode-id-6b8875210e78257f6d127db54ada9a98 .gallery-zoom-ico:before,\n.gallery-shortcode.gallery-photos-masonry-shortcode-id-6b8875210e78257f6d127db54ada9a98 .gallery-zoom-ico span {\n  font-size: 32px;\n  line-height: 44px;\n  color: #ffffff;\n}\n.gallery-shortcode.gallery-photos-masonry-shortcode-id-6b8875210e78257f6d127db54ada9a98:not(.resize-by-browser-width) .dt-css-grid {\n  grid-row-gap: 10px;\n  grid-column-gap: 10px;\n  grid-template-columns: repeat(auto-fill,minmax(,1fr));\n}\n.gallery-shortcode.gallery-photos-masonry-shortcode-id-6b8875210e78257f6d127db54ada9a98:not(.resize-by-browser-width) .dt-css-grid .double-width {\n  grid-column: span 2;\n}\n.cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-6b8875210e78257f6d127db54ada9a98:not(.resize-by-browser-width) .dt-css-grid,\n.no-cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-6b8875210e78257f6d127db54ada9a98:not(.resize-by-browser-width) .dt-css-grid {\n  display: flex;\n  flex-flow: row wrap;\n  margin: -5px;\n}\n.cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-6b8875210e78257f6d127db54ada9a98:not(.resize-by-browser-width) .dt-css-grid .wf-cell,\n.no-cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-6b8875210e78257f6d127db54ada9a98:not(.resize-by-browser-width) .dt-css-grid .wf-cell {\n  flex: 1 0 ;\n  max-width: 100%;\n  padding: 5px;\n  box-sizing: border-box;\n}\n.gallery-shortcode.gallery-photos-masonry-shortcode-id-6b8875210e78257f6d127db54ada9a98.resize-by-browser-width .dt-css-grid {\n  grid-template-columns: repeat(2,1fr);\n  grid-template-rows: auto;\n  grid-column-gap: 10px;\n  grid-row-gap: 10px;\n}\n.gallery-shortcode.gallery-photos-masonry-shortcode-id-6b8875210e78257f6d127db54ada9a98.resize-by-browser-width .dt-css-grid .double-width {\n  grid-column: span 2;\n}\n.cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-6b8875210e78257f6d127db54ada9a98.resize-by-browser-width .dt-css-grid {\n  margin: -5px;\n}\n.cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-6b8875210e78257f6d127db54ada9a98.resize-by-browser-width .dt-css-grid .wf-cell {\n  width: 50%;\n  padding: 5px;\n}\n.cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-6b8875210e78257f6d127db54ada9a98.resize-by-browser-width .dt-css-grid .wf-cell.double-width {\n  width: calc(50%) * 2;\n}\n.gallery-shortcode.gallery-photos-masonry-shortcode-id-6b8875210e78257f6d127db54ada9a98.resize-by-browser-width:not(.centered-layout-list):not(.content-bg-on) .dt-css-grid {\n  grid-row-gap: 10px - ;\n}\n@media screen and (max-width: 1199px) {\n  .gallery-shortcode.gallery-photos-masonry-shortcode-id-6b8875210e78257f6d127db54ada9a98.resize-by-browser-width .dt-css-grid {\n    grid-template-columns: repeat(2,1fr);\n  }\n  .cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-6b8875210e78257f6d127db54ada9a98.resize-by-browser-width .dt-css-grid .wf-cell,\n  .no-cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-6b8875210e78257f6d127db54ada9a98.resize-by-browser-width .dt-css-grid .wf-cell {\n    width: 50%;\n  }\n  .cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-6b8875210e78257f6d127db54ada9a98.resize-by-browser-width .dt-css-grid .wf-cell.double-width,\n  .no-cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-6b8875210e78257f6d127db54ada9a98.resize-by-browser-width .dt-css-grid .wf-cell.double-width {\n    width: calc(50%)*2;\n  }\n}\n@media screen and (max-width: 991px) {\n  .gallery-shortcode.gallery-photos-masonry-shortcode-id-6b8875210e78257f6d127db54ada9a98.resize-by-browser-width .dt-css-grid {\n    grid-template-columns: repeat(2,1fr);\n  }\n  .cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-6b8875210e78257f6d127db54ada9a98.resize-by-browser-width .dt-css-grid .wf-cell,\n  .no-cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-6b8875210e78257f6d127db54ada9a98.resize-by-browser-width .dt-css-grid .wf-cell {\n    width: 50%;\n  }\n  .cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-6b8875210e78257f6d127db54ada9a98.resize-by-browser-width .dt-css-grid .wf-cell.double-width,\n  .no-cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-6b8875210e78257f6d127db54ada9a98.resize-by-browser-width .dt-css-grid .wf-cell.double-width {\n    width: calc(50%)*2;\n  }\n}\n@media screen and (max-width: 767px) {\n  .gallery-shortcode.gallery-photos-masonry-shortcode-id-6b8875210e78257f6d127db54ada9a98.resize-by-browser-width .dt-css-grid {\n    grid-template-columns: repeat(1,1fr);\n  }\n  .cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-6b8875210e78257f6d127db54ada9a98.resize-by-browser-width .dt-css-grid .wf-cell,\n  .no-cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-6b8875210e78257f6d127db54ada9a98.resize-by-browser-width .dt-css-grid .wf-cell {\n    width: 100%;\n  }\n  .cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-6b8875210e78257f6d127db54ada9a98.resize-by-browser-width .dt-css-grid .wf-cell.double-width,\n  .no-cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-6b8875210e78257f6d127db54ada9a98.resize-by-browser-width .dt-css-grid .wf-cell.double-width {\n    width: calc(100%)*2;\n  }\n}<\/style><div class=\"gallery-shortcode album-gallery-shortcode dt-gallery-container gallery-photos-masonry-shortcode-id-6b8875210e78257f6d127db54ada9a98 mode-masonry jquery-filter dt-icon-bg-off quick-scale-img enable-bg-rollover resize-by-browser-width  hover-fade loading-effect-none description-on-hover\" data-padding=\"5px\" data-cur-page=\"1\" data-post-limit=\"-1\" data-pagination-mode=\"none\" data-desktop-columns-num=\"2\" data-v-tablet-columns-num=\"2\" data-h-tablet-columns-num=\"2\" data-phone-columns-num=\"1\" data-width=\"0px\" data-columns=\"0\"><div class=\"iso-container\" ><\/div><!-- iso-container|iso-grid --><\/div>[\/vc_column][vc_column width=\u00a0\u00bb1\/5&Prime;][\/vc_column][\/vc_row][vc_row css=\u00a0\u00bb.vc_custom_1730282929099{padding-top: 50px !important;}\u00a0\u00bb][vc_column width=\u00a0\u00bb1\/5&Prime;][\/vc_column][vc_column width=\u00a0\u00bb3\/5&Prime;][vc_column_text css=\u00a0\u00bb.vc_custom_1730462516656{padding-top: 20px !important;padding-bottom: 10px !important;}\u00a0\u00bb]<strong><span style=\"font-size: 18pt; line-height: 1.5;\">Des RH \u00e0 la gestion des risques en passant par la facturation \u00e9lectronique<\/span><\/strong><\/p>\n<p><span style=\"font-size: 15pt; line-height: 2.0;\">efcom a connu une croissance rapide ces derniers temps. C&rsquo;est notamment pour cette raison que Stefanie Harkam s&rsquo;occupe d\u00e9sormais du recrutement et de la gestion des talents. Apr\u00e8s un aper\u00e7u de tous les nouveaux arrivants chez efcom, l&rsquo;impl\u00e9mentation d&rsquo;un nouveau logiciel RH de Personio a \u00e9t\u00e9 d\u00e9crite. Les mots cl\u00e9s sont ici surtout gain de temps et d&rsquo;argent, Employee Self Service et d\u00e9veloppement du personnel. En ce qui concerne le recrutement op\u00e9rationnel, nous explorons de nouvelles voies afin d&rsquo;\u00eatre mieux per\u00e7us, notamment par les groupes cibles plus jeunes. Il y a \u00e9galement des nouveaut\u00e9s dans l&rsquo;onboarding et dans l&rsquo;organisation des avantages, comme l&rsquo;introduction de la workation. Selon nous, c&rsquo;est la seule fa\u00e7on de fid\u00e9liser les collaborateurs* \u00e0 long terme.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-size: 15pt; line-height: 2.0;\">Dans son entreprise PartnerHUB\/Hongrie, Katalin Kauzli r\u00e9alise des syst\u00e8mes de facturation \u00e9lectronique pour des fournisseurs de services financiers. Pourquoi ce sujet est-il particuli\u00e8rement d&rsquo;actualit\u00e9 ? Environ 80 pays dans le monde ont d\u00e9j\u00e0 introduit la facturation \u00e9lectronique ou sont sur le point de le faire, ce qui repr\u00e9sente plus de 60% du volume \u00e9conomique mondial total. L&rsquo;une des raisons de cette \u00e9volution est de combler l&rsquo;\u00e9cart de TVA. Dans l&rsquo;UE, la facturation \u00e9lectronique devrait \u00eatre obligatoire dans tous les \u00c9tats membres \u00e0 partir de 2030 au plus tard. Pour les entreprises d&rsquo;affacturage, travailler avec des donn\u00e9es de facturation num\u00e9riques structur\u00e9es pr\u00e9sente un grand avantage, notamment en permettant le traitement direct et la r\u00e9duction des co\u00fbts qui en d\u00e9coule. Comment utiliser la facturation \u00e9lectronique ? Soit en convertissant les factures PDF t\u00e9l\u00e9charg\u00e9es dans le format de donn\u00e9es num\u00e9rique correspondant (exemple : ZUGFerD), soit directement \u00e0 partir du syst\u00e8me de facturation, soit via une administration fiscale. Pour terminer, Katalin Kauzli a pr\u00e9sent\u00e9 des exemples de mise en \u0153uvre en Hongrie et en Inde.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-size: 15pt; line-height: 2.0;\">Stephan Kahlenberg de Willis Towers Watson a donn\u00e9 un aper\u00e7u du paysage des risques dans notre pays et au-del\u00e0. Les primes ont en principe constamment baiss\u00e9 par le pass\u00e9, alors que les chiffres d&rsquo;affaires et les capacit\u00e9s de couverture ont en revanche constamment augment\u00e9. L&rsquo;attention port\u00e9e aux risques s&rsquo;est de plus en plus focalis\u00e9e sur l'(in)stabilit\u00e9 politique ou la gestion de la crise climatique. Dans ce sens, la couverture politique continuera \u00e0 jouer un r\u00f4le important. En outre, le d\u00e9fi \u00e9conomique global est de r\u00e9duire le nombre de faillites.<\/span>[\/vc_column_text][\/vc_column][vc_column width=\u00a0\u00bb1\/5&Prime;][\/vc_column][\/vc_row][vc_row][vc_column width=\u00a0\u00bb1\/5&Prime;][\/vc_column][vc_column width=\u00a0\u00bb3\/5&Prime;]<style type=\"text\/css\" data-type=\"the7_shortcodes-inline-css\">.gallery-shortcode.gallery-photos-masonry-shortcode-id-968824f0023c2ec3f8c21f91060c8b69 figure,\n.gallery-shortcode.gallery-photos-masonry-shortcode-id-968824f0023c2ec3f8c21f91060c8b69 .rollover,\n.gallery-shortcode.gallery-photos-masonry-shortcode-id-968824f0023c2ec3f8c21f91060c8b69 img,\n.gallery-shortcode.gallery-photos-masonry-shortcode-id-968824f0023c2ec3f8c21f91060c8b69 .gallery-rollover {\n  border-radius: 0px;\n}\n.gallery-shortcode.gallery-photos-masonry-shortcode-id-968824f0023c2ec3f8c21f91060c8b69.enable-bg-rollover .gallery-rollover {\n  background: -webkit-linear-gradient();\n  background: linear-gradient();\n}\n.gallery-shortcode.gallery-photos-masonry-shortcode-id-968824f0023c2ec3f8c21f91060c8b69.enable-bg-rollover.hover-scale .rollover:after {\n  background: -webkit-linear-gradient();\n  background: linear-gradient();\n}\n.gallery-shortcode.gallery-photos-masonry-shortcode-id-968824f0023c2ec3f8c21f91060c8b69 .gallery-zoom-ico {\n  width: 44px;\n  height: 44px;\n  line-height: 44px;\n  border-radius: 100px;\n  margin: -22px 0 0 -22px;\n  border-width: 0px;\n}\n.dt-icon-bg-on.gallery-shortcode.gallery-photos-masonry-shortcode-id-968824f0023c2ec3f8c21f91060c8b69 .gallery-zoom-ico {\n  background: rgba(255,255,255,0.3);\n  -webkit-box-shadow: none;\n  box-shadow: none;\n}\n.gallery-shortcode.gallery-photos-masonry-shortcode-id-968824f0023c2ec3f8c21f91060c8b69 .gallery-zoom-ico:before,\n.gallery-shortcode.gallery-photos-masonry-shortcode-id-968824f0023c2ec3f8c21f91060c8b69 .gallery-zoom-ico span {\n  font-size: 32px;\n  line-height: 44px;\n  color: #ffffff;\n}\n.gallery-shortcode.gallery-photos-masonry-shortcode-id-968824f0023c2ec3f8c21f91060c8b69:not(.resize-by-browser-width) .dt-css-grid {\n  grid-row-gap: 10px;\n  grid-column-gap: 10px;\n  grid-template-columns: repeat(auto-fill,minmax(,1fr));\n}\n.gallery-shortcode.gallery-photos-masonry-shortcode-id-968824f0023c2ec3f8c21f91060c8b69:not(.resize-by-browser-width) .dt-css-grid .double-width {\n  grid-column: span 2;\n}\n.cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-968824f0023c2ec3f8c21f91060c8b69:not(.resize-by-browser-width) .dt-css-grid,\n.no-cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-968824f0023c2ec3f8c21f91060c8b69:not(.resize-by-browser-width) .dt-css-grid {\n  display: flex;\n  flex-flow: row wrap;\n  margin: -5px;\n}\n.cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-968824f0023c2ec3f8c21f91060c8b69:not(.resize-by-browser-width) .dt-css-grid .wf-cell,\n.no-cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-968824f0023c2ec3f8c21f91060c8b69:not(.resize-by-browser-width) .dt-css-grid .wf-cell {\n  flex: 1 0 ;\n  max-width: 100%;\n  padding: 5px;\n  box-sizing: border-box;\n}\n.gallery-shortcode.gallery-photos-masonry-shortcode-id-968824f0023c2ec3f8c21f91060c8b69.resize-by-browser-width .dt-css-grid {\n  grid-template-columns: repeat(2,1fr);\n  grid-template-rows: auto;\n  grid-column-gap: 10px;\n  grid-row-gap: 10px;\n}\n.gallery-shortcode.gallery-photos-masonry-shortcode-id-968824f0023c2ec3f8c21f91060c8b69.resize-by-browser-width .dt-css-grid .double-width {\n  grid-column: span 2;\n}\n.cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-968824f0023c2ec3f8c21f91060c8b69.resize-by-browser-width .dt-css-grid {\n  margin: -5px;\n}\n.cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-968824f0023c2ec3f8c21f91060c8b69.resize-by-browser-width .dt-css-grid .wf-cell {\n  width: 50%;\n  padding: 5px;\n}\n.cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-968824f0023c2ec3f8c21f91060c8b69.resize-by-browser-width .dt-css-grid .wf-cell.double-width {\n  width: calc(50%) * 2;\n}\n.gallery-shortcode.gallery-photos-masonry-shortcode-id-968824f0023c2ec3f8c21f91060c8b69.resize-by-browser-width:not(.centered-layout-list):not(.content-bg-on) .dt-css-grid {\n  grid-row-gap: 10px - ;\n}\n@media screen and (max-width: 1199px) {\n  .gallery-shortcode.gallery-photos-masonry-shortcode-id-968824f0023c2ec3f8c21f91060c8b69.resize-by-browser-width .dt-css-grid {\n    grid-template-columns: repeat(2,1fr);\n  }\n  .cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-968824f0023c2ec3f8c21f91060c8b69.resize-by-browser-width .dt-css-grid .wf-cell,\n  .no-cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-968824f0023c2ec3f8c21f91060c8b69.resize-by-browser-width .dt-css-grid .wf-cell {\n    width: 50%;\n  }\n  .cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-968824f0023c2ec3f8c21f91060c8b69.resize-by-browser-width .dt-css-grid .wf-cell.double-width,\n  .no-cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-968824f0023c2ec3f8c21f91060c8b69.resize-by-browser-width .dt-css-grid .wf-cell.double-width {\n    width: calc(50%)*2;\n  }\n}\n@media screen and (max-width: 991px) {\n  .gallery-shortcode.gallery-photos-masonry-shortcode-id-968824f0023c2ec3f8c21f91060c8b69.resize-by-browser-width .dt-css-grid {\n    grid-template-columns: repeat(2,1fr);\n  }\n  .cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-968824f0023c2ec3f8c21f91060c8b69.resize-by-browser-width .dt-css-grid .wf-cell,\n  .no-cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-968824f0023c2ec3f8c21f91060c8b69.resize-by-browser-width .dt-css-grid .wf-cell {\n    width: 50%;\n  }\n  .cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-968824f0023c2ec3f8c21f91060c8b69.resize-by-browser-width .dt-css-grid .wf-cell.double-width,\n  .no-cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-968824f0023c2ec3f8c21f91060c8b69.resize-by-browser-width .dt-css-grid .wf-cell.double-width {\n    width: calc(50%)*2;\n  }\n}\n@media screen and (max-width: 767px) {\n  .gallery-shortcode.gallery-photos-masonry-shortcode-id-968824f0023c2ec3f8c21f91060c8b69.resize-by-browser-width .dt-css-grid {\n    grid-template-columns: repeat(1,1fr);\n  }\n  .cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-968824f0023c2ec3f8c21f91060c8b69.resize-by-browser-width .dt-css-grid .wf-cell,\n  .no-cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-968824f0023c2ec3f8c21f91060c8b69.resize-by-browser-width .dt-css-grid .wf-cell {\n    width: 100%;\n  }\n  .cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-968824f0023c2ec3f8c21f91060c8b69.resize-by-browser-width .dt-css-grid .wf-cell.double-width,\n  .no-cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-968824f0023c2ec3f8c21f91060c8b69.resize-by-browser-width .dt-css-grid .wf-cell.double-width {\n    width: calc(100%)*2;\n  }\n}<\/style><div class=\"gallery-shortcode album-gallery-shortcode dt-gallery-container gallery-photos-masonry-shortcode-id-968824f0023c2ec3f8c21f91060c8b69 mode-masonry jquery-filter dt-icon-bg-off quick-scale-img enable-bg-rollover resize-by-browser-width  hover-fade loading-effect-none description-on-hover\" data-padding=\"5px\" data-cur-page=\"1\" data-post-limit=\"-1\" data-pagination-mode=\"none\" data-desktop-columns-num=\"2\" data-v-tablet-columns-num=\"2\" data-h-tablet-columns-num=\"2\" data-phone-columns-num=\"1\" data-width=\"0px\" data-columns=\"0\"><div class=\"iso-container\" ><\/div><!-- iso-container|iso-grid --><\/div>[\/vc_column][vc_column width=\u00a0\u00bb1\/5&Prime;][\/vc_column][\/vc_row][vc_row css=\u00a0\u00bb.vc_custom_1730282929099{padding-top: 50px !important;}\u00a0\u00bb][vc_column width=\u00a0\u00bb1\/5&Prime;][\/vc_column][vc_column width=\u00a0\u00bb3\/5&Prime;][vc_column_text css=\u00a0\u00bb.vc_custom_1730462752634{padding-top: 20px !important;padding-bottom: 10px !important;}\u00a0\u00bb]<strong><span style=\"font-size: 18pt; line-height: 1.5;\">Utilisation de l&rsquo;IA dans l&rsquo;affacturage<\/span><\/strong><\/p>\n<p><span style=\"font-size: 15pt; line-height: 2.0;\">Derri\u00e8re le nom du produit CubX d&rsquo;efcom se cache \u00ab Customer behaviour explorer \u00bb. Les coll\u00e8gues Federico Avell\u00e1n Borgmeyer ainsi que le Dr. Vinai Biju ont expliqu\u00e9 l&rsquo;id\u00e9e qui se cache derri\u00e8re ce concept : d\u00e9couvrir, sur la base de l&rsquo;\u00e9norme quantit\u00e9 de donn\u00e9es disponibles dans les processus d&rsquo;affacturage, quels sont les risques possibles, mais aussi les opportunit\u00e9s qui peuvent exister. Il est par exemple possible de faire des pr\u00e9visions sur l&rsquo;ampleur de ce que l&rsquo;on appelle les \u00ab factures a\u00e9riennes \u00bb. Pour le d\u00e9veloppement et le test de CubX, nous avons pu recourir \u00e0 des donn\u00e9es clients anonymes. Nous travaillons ici de mani\u00e8re totalement transparente et en \u00e9changeant r\u00e9guli\u00e8rement avec le client concern\u00e9. Les avantages du c\u00f4t\u00e9 du client sont \u00e9vidents : des avertissements en temps utile sur d&rsquo;\u00e9ventuels retards de paiement, une cat\u00e9gorisation strat\u00e9gique des clients, une meilleure gestion des risques et des flux de tr\u00e9sorerie.<\/span>[\/vc_column_text][\/vc_column][vc_column width=\u00a0\u00bb1\/5&Prime;][\/vc_column][\/vc_row][vc_row][vc_column width=\u00a0\u00bb1\/5&Prime;][\/vc_column][vc_column width=\u00a0\u00bb3\/5&Prime;]<style type=\"text\/css\" data-type=\"the7_shortcodes-inline-css\">.gallery-shortcode.gallery-photos-masonry-shortcode-id-718446ee8b8dbdd342af59123488c749 figure,\n.gallery-shortcode.gallery-photos-masonry-shortcode-id-718446ee8b8dbdd342af59123488c749 .rollover,\n.gallery-shortcode.gallery-photos-masonry-shortcode-id-718446ee8b8dbdd342af59123488c749 img,\n.gallery-shortcode.gallery-photos-masonry-shortcode-id-718446ee8b8dbdd342af59123488c749 .gallery-rollover {\n  border-radius: 0px;\n}\n.gallery-shortcode.gallery-photos-masonry-shortcode-id-718446ee8b8dbdd342af59123488c749.enable-bg-rollover .gallery-rollover {\n  background: -webkit-linear-gradient();\n  background: linear-gradient();\n}\n.gallery-shortcode.gallery-photos-masonry-shortcode-id-718446ee8b8dbdd342af59123488c749.enable-bg-rollover.hover-scale .rollover:after {\n  background: -webkit-linear-gradient();\n  background: linear-gradient();\n}\n.gallery-shortcode.gallery-photos-masonry-shortcode-id-718446ee8b8dbdd342af59123488c749 .gallery-zoom-ico {\n  width: 44px;\n  height: 44px;\n  line-height: 44px;\n  border-radius: 100px;\n  margin: -22px 0 0 -22px;\n  border-width: 0px;\n}\n.dt-icon-bg-on.gallery-shortcode.gallery-photos-masonry-shortcode-id-718446ee8b8dbdd342af59123488c749 .gallery-zoom-ico {\n  background: rgba(255,255,255,0.3);\n  -webkit-box-shadow: none;\n  box-shadow: none;\n}\n.gallery-shortcode.gallery-photos-masonry-shortcode-id-718446ee8b8dbdd342af59123488c749 .gallery-zoom-ico:before,\n.gallery-shortcode.gallery-photos-masonry-shortcode-id-718446ee8b8dbdd342af59123488c749 .gallery-zoom-ico span {\n  font-size: 32px;\n  line-height: 44px;\n  color: #ffffff;\n}\n.gallery-shortcode.gallery-photos-masonry-shortcode-id-718446ee8b8dbdd342af59123488c749:not(.resize-by-browser-width) .dt-css-grid {\n  grid-row-gap: 10px;\n  grid-column-gap: 10px;\n  grid-template-columns: repeat(auto-fill,minmax(,1fr));\n}\n.gallery-shortcode.gallery-photos-masonry-shortcode-id-718446ee8b8dbdd342af59123488c749:not(.resize-by-browser-width) .dt-css-grid .double-width {\n  grid-column: span 2;\n}\n.cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-718446ee8b8dbdd342af59123488c749:not(.resize-by-browser-width) .dt-css-grid,\n.no-cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-718446ee8b8dbdd342af59123488c749:not(.resize-by-browser-width) .dt-css-grid {\n  display: flex;\n  flex-flow: row wrap;\n  margin: -5px;\n}\n.cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-718446ee8b8dbdd342af59123488c749:not(.resize-by-browser-width) .dt-css-grid .wf-cell,\n.no-cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-718446ee8b8dbdd342af59123488c749:not(.resize-by-browser-width) .dt-css-grid .wf-cell {\n  flex: 1 0 ;\n  max-width: 100%;\n  padding: 5px;\n  box-sizing: border-box;\n}\n.gallery-shortcode.gallery-photos-masonry-shortcode-id-718446ee8b8dbdd342af59123488c749.resize-by-browser-width .dt-css-grid {\n  grid-template-columns: repeat(2,1fr);\n  grid-template-rows: auto;\n  grid-column-gap: 10px;\n  grid-row-gap: 10px;\n}\n.gallery-shortcode.gallery-photos-masonry-shortcode-id-718446ee8b8dbdd342af59123488c749.resize-by-browser-width .dt-css-grid .double-width {\n  grid-column: span 2;\n}\n.cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-718446ee8b8dbdd342af59123488c749.resize-by-browser-width .dt-css-grid {\n  margin: -5px;\n}\n.cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-718446ee8b8dbdd342af59123488c749.resize-by-browser-width .dt-css-grid .wf-cell {\n  width: 50%;\n  padding: 5px;\n}\n.cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-718446ee8b8dbdd342af59123488c749.resize-by-browser-width .dt-css-grid .wf-cell.double-width {\n  width: calc(50%) * 2;\n}\n.gallery-shortcode.gallery-photos-masonry-shortcode-id-718446ee8b8dbdd342af59123488c749.resize-by-browser-width:not(.centered-layout-list):not(.content-bg-on) .dt-css-grid {\n  grid-row-gap: 10px - ;\n}\n@media screen and (max-width: 1199px) {\n  .gallery-shortcode.gallery-photos-masonry-shortcode-id-718446ee8b8dbdd342af59123488c749.resize-by-browser-width .dt-css-grid {\n    grid-template-columns: repeat(2,1fr);\n  }\n  .cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-718446ee8b8dbdd342af59123488c749.resize-by-browser-width .dt-css-grid .wf-cell,\n  .no-cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-718446ee8b8dbdd342af59123488c749.resize-by-browser-width .dt-css-grid .wf-cell {\n    width: 50%;\n  }\n  .cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-718446ee8b8dbdd342af59123488c749.resize-by-browser-width .dt-css-grid .wf-cell.double-width,\n  .no-cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-718446ee8b8dbdd342af59123488c749.resize-by-browser-width .dt-css-grid .wf-cell.double-width {\n    width: calc(50%)*2;\n  }\n}\n@media screen and (max-width: 991px) {\n  .gallery-shortcode.gallery-photos-masonry-shortcode-id-718446ee8b8dbdd342af59123488c749.resize-by-browser-width .dt-css-grid {\n    grid-template-columns: repeat(2,1fr);\n  }\n  .cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-718446ee8b8dbdd342af59123488c749.resize-by-browser-width .dt-css-grid .wf-cell,\n  .no-cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-718446ee8b8dbdd342af59123488c749.resize-by-browser-width .dt-css-grid .wf-cell {\n    width: 50%;\n  }\n  .cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-718446ee8b8dbdd342af59123488c749.resize-by-browser-width .dt-css-grid .wf-cell.double-width,\n  .no-cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-718446ee8b8dbdd342af59123488c749.resize-by-browser-width .dt-css-grid .wf-cell.double-width {\n    width: calc(50%)*2;\n  }\n}\n@media screen and (max-width: 767px) {\n  .gallery-shortcode.gallery-photos-masonry-shortcode-id-718446ee8b8dbdd342af59123488c749.resize-by-browser-width .dt-css-grid {\n    grid-template-columns: repeat(1,1fr);\n  }\n  .cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-718446ee8b8dbdd342af59123488c749.resize-by-browser-width .dt-css-grid .wf-cell,\n  .no-cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-718446ee8b8dbdd342af59123488c749.resize-by-browser-width .dt-css-grid .wf-cell {\n    width: 100%;\n  }\n  .cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-718446ee8b8dbdd342af59123488c749.resize-by-browser-width .dt-css-grid .wf-cell.double-width,\n  .no-cssgridlegacy.no-cssgrid .gallery-shortcode.gallery-photos-masonry-shortcode-id-718446ee8b8dbdd342af59123488c749.resize-by-browser-width .dt-css-grid .wf-cell.double-width {\n    width: calc(100%)*2;\n  }\n}<\/style><div class=\"gallery-shortcode album-gallery-shortcode dt-gallery-container gallery-photos-masonry-shortcode-id-718446ee8b8dbdd342af59123488c749 mode-masonry jquery-filter dt-icon-bg-off quick-scale-img enable-bg-rollover resize-by-browser-width  hover-fade loading-effect-none description-on-hover\" data-padding=\"5px\" data-cur-page=\"1\" data-post-limit=\"-1\" data-pagination-mode=\"none\" data-desktop-columns-num=\"2\" data-v-tablet-columns-num=\"2\" data-h-tablet-columns-num=\"2\" data-phone-columns-num=\"1\" data-width=\"0px\" data-columns=\"0\"><div class=\"iso-container\" ><\/div><!-- iso-container|iso-grid --><\/div>[\/vc_column][vc_column width=\u00a0\u00bb1\/5&Prime;][\/vc_column][\/vc_row][vc_row css=\u00a0\u00bb.vc_custom_1730282929099{padding-top: 50px !important;}\u00a0\u00bb][vc_column width=\u00a0\u00bb1\/5&Prime;][\/vc_column][vc_column width=\u00a0\u00bb3\/5&Prime;][vc_column_text css=\u00a0\u00bb.vc_custom_1730462549389{padding-top: 20px !important;padding-bottom: 10px !important;}\u00a0\u00bb]<strong><span style=\"font-size: 18pt; line-height: 1.5;\">Perspective juridique, gestion de projet, ef3\/efX et efOnline<\/span><\/strong><\/p>\n<p><span style=\"font-size: 15pt; line-height: 2.0;\">Dans le cadre des ateliers organis\u00e9s en parall\u00e8le, les participants au symposium* ont notamment pu s&rsquo;informer sur la jurisprudence existante en mati\u00e8re d&rsquo;affacturage transfrontalier. L&rsquo;expos\u00e9 de Wolf Stumpf de Noerr a mis en \u00e9vidence les obstacles et les pi\u00e8ges possibles, ainsi que des indications int\u00e9ressantes sur la r\u00e9daction des contrats. Car en fin de compte, l&rsquo;affacturage international reste un sujet complexe, ne serait-ce que parce que nous parlons ici de cadres et de r\u00e9glementations juridiques (de surveillance) parfois tr\u00e8s diff\u00e9rents. Il est donc d&rsquo;autant plus n\u00e9cessaire de se faire conseiller au pr\u00e9alable sur le quoi et le comment.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-size: 15pt; line-height: 2.0;\">Lors d&rsquo;un autre atelier, la gestion de projet d&rsquo;efcom a mis l&rsquo;accent sur les phases de la collaboration avec nos clients*. Les participants* devaient organiser \u00e0 l&rsquo;aide de cartes le d\u00e9roulement du projet, de la pr\u00e9paration \u00e0 l&rsquo;exploitation elle-m\u00eame, en passant par la conception, la mise en \u0153uvre et le test, puis en discuter ensemble. Cela a contribu\u00e9 \u00e0 une (encore) meilleure compr\u00e9hension de nos processus et workflows.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-size: 15pt; line-height: 2.0;\">Nous avons \u00e9galement parl\u00e9 de nos solutions ef3\/efX et efOnline et de leurs points forts en 2024. Si vous \u00eates int\u00e9ress\u00e9s par des d\u00e9tails, nous vous renvoyons volontiers \u00e0 notre \u00e9quipe de vente qui se fera un plaisir de vous aider.<\/span>[\/vc_column_text][\/vc_column][vc_column width=\u00a0\u00bb1\/5&Prime;][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>[vc_row css=\u00a0\u00bb.vc_custom_1708334309580{margin-top: 45px !important;}\u00a0\u00bb][vc_column width=\u00a0\u00bb1\/5&Prime;][\/vc_column][vc_column width=\u00a0\u00bb3\/5&Prime;][vc_video link=\u00a0\u00bbhttps:\/\/youtu.be\/fAEcXyOTzrQ\u00a0\u00bb css=\u00a0\u00bb.vc_custom_1730203255910{padding-top: 45px !important;}\u00a0\u00bb][\/vc_column][vc_column width=\u00a0\u00bb1\/5&Prime;][\/vc_column][\/vc_row][vc_row][vc_column width=\u00a0\u00bb1\/5&Prime;][\/vc_column][vc_column width=\u00a0\u00bb2\/5&Prime;][\/vc_column][vc_column width=\u00a0\u00bb1\/5&Prime;][\/vc_column][vc_column width=\u00a0\u00bb1\/5&Prime;][\/vc_column][\/vc_row][vc_row css=\u00a0\u00bb.vc_custom_1730451135338{padding-top: 25px !important;}\u00a0\u00bb][vc_column width=\u00a0\u00bb1\/5&Prime;][\/vc_column][vc_column width=\u00a0\u00bb3\/5&Prime;][vc_column_text css=\u00a0\u00bb.vc_custom_1730451161048{padding-top: 20px !important;padding-bottom: 10px !important;}\u00a0\u00bb]Neu-Isenburg, novembre 2024 &#8211; De nombreux clients*, partenaires*, fournisseurs* ainsi que quelques personnes int\u00e9ress\u00e9es* d&rsquo;Allemagne et de l&rsquo;\u00e9tranger ont r\u00e9pondu \u00e0 notre invitation \u00e0 Neu-Isenburg et ont fait du 26 septembre&hellip;<\/p>\n","protected":false},"author":5,"featured_media":98061,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"yasr_overall_rating":0,"yasr_post_is_review":"","yasr_auto_insert_disabled":"","yasr_review_type":"","footnotes":""},"categories":[333],"tags":[324,322,323,321,325],"class_list":["post-98395","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news-fr","tag-avenir","tag-efcom-fr","tag-innovation-fr","tag-laffacturage","tag-symposium-fr","category-333","description-off"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - 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