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Chez Banqup, nous nous efforçons de simplifier les paiements et la facturation en vous débarrassant des tâches quotidiennes routinières et en numérisant les processus pour vous.","c235149f-67d6-4d7d-b13f-e32d463fefef",{"id":12,"alt":8,"name":13,"focus":8,"title":8,"source":8,"filename":14,"copyright":8,"fieldtype":15,"meta_data":16,"is_external_url":17},22151802,"Banqup logo","https://a.storyblok.com/f/318078/300x85/6e319e2de9/banqup-logo_white-horizontal_svg.svg","asset",{},false,{"id":8,"url":8,"linktype":19,"fieldtype":20,"cached_url":8},"url","multilink","config",[23,528,660],{"name":24,"created_at":25,"published_at":26,"updated_at":27,"id":28,"uuid":29,"content":30,"slug":508,"full_slug":509,"sort_by_date":65,"position":510,"tag_list":511,"is_startpage":17,"parent_id":512,"meta_data":65,"group_id":513,"first_published_at":514,"release_id":65,"lang":515,"path":65,"alternates":516,"default_full_slug":517,"translated_slugs":518,"_stopResolving":56},"Terms & conditions","2025-02-18T10:10:26.812Z","2026-01-16T08:04:19.250Z","2026-01-16T08:04:19.273Z",627571042,"6c695d76-4693-4d77-bb7f-a5d756af26dd",{"seo":31,"_uid":36,"body":37,"component":507},{"_uid":32,"title":33,"plugin":34,"description":35},"d6cf146c-e1cb-422c-b4ed-cbe24550be46","Conditions générales","meta-fields","Veuillez lire les conditions générales de Banqup. Prenez connaissance de l'accord juridique, des droits et obligations des utilisateurs liés à l'utilisation de nos services de facturation et de paiement.","00646961-47ad-4891-a74f-2d7ef7b08f74",[38,57],{"_uid":39,"size":40,"image":41,"buttons":45,"heading":46,"tagline":47,"component":48,"background":49,"description":50,"imageVariation":55,"invertTextColor":56},"1b2968ce-a310-416c-addb-9132d4efa538","medium",{"id":42,"alt":8,"name":8,"focus":8,"title":8,"source":8,"filename":43,"copyright":8,"fieldtype":15,"meta_data":44,"is_external_url":17},132146787730787,"https://a.storyblok.com/f/318078/6144x3456/95c5cddbce/privacy.jpg",{},[],"Terms and Conditions","Last updated September 3, 2021","hero","default",{"type":51,"content":52},"doc",[53],{"type":54},"paragraph","background",true,{"_uid":58,"text":59,"component":506,"background":49},"b38ce84d-2e48-4f77-864d-d2fc3b2aabec",{"type":51,"content":60},[61,73,91,131,139,166,173,186,193,206,215,228,236,241,248,257,270,295,303,324,331,340,347,360,367,380,387,408,416,461,468,486,493],{"type":62,"attrs":63,"content":66},"heading",{"level":64,"textAlign":65},3,null,[67],{"text":68,"type":69,"marks":70},"By using our site you accept these Terms and Conditions","text",[71],{"type":72},"bold",{"type":54,"attrs":74,"content":75},{"textAlign":65},[76,78,80,81,83,84,85,87,88,89],{"text":77,"type":69},"Please read these Terms and Conditions carefully and ensure that you understand them before using our site.",{"type":79},"hard_break",{"type":79},{"text":82,"type":69},"These Terms and Conditions, together with any other documents referred to herein, set out the terms of use governing your use of this website, https://www.banqup.com/ (“our site”). It is recommended that you print a copy of these Terms and Conditions for your future reference. These Terms and Conditions were last updated on September 3rd 2021.",{"type":79},{"type":79},{"text":86,"type":69},"Your agreement to comply with these Terms and Conditions is indicated by your use of our site. If you do not agree to these Terms and Conditions, you must stop using our site immediately.",{"type":79},{"type":79},{"text":90,"type":69},"The following documents also apply to your use of our site",{"type":92,"content":93},"bullet_list",[94,115],{"type":95,"content":96},"list_item",[97],{"type":54,"attrs":98,"content":99},{"textAlign":65},[100,102,113],{"text":101,"type":69},"Our ",{"text":103,"type":69,"marks":104},"Privacy notice ",[105],{"type":106,"attrs":107},"link",{"href":108,"uuid":109,"anchor":65,"custom":110,"target":111,"linktype":112},"/legal/privacy-notice","75fae8d7-0c95-4ecb-a3fc-0a3bd3585a85",{},"_self","story",{"text":114,"type":69},"This is also referred to below in Part 14.",{"type":95,"content":116},[117],{"type":54,"attrs":118,"content":119},{"textAlign":65},[120,121,129],{"text":101,"type":69},{"text":122,"type":69,"marks":123},"Cookie policy",[124],{"type":106,"attrs":125},{"href":126,"uuid":127,"anchor":65,"custom":128,"target":111,"linktype":112},"/legal/cookie-policy","11750e2e-e50b-4950-b8f1-0f4fc9f78db2",{},{"text":130,"type":69},"  This is also referred to below in Part 14.",{"type":62,"attrs":132,"content":134},{"level":133,"textAlign":65},4,[135],{"text":136,"type":69,"marks":137},"1. Definitions and Interpretation",[138],{"type":72},{"type":54,"attrs":140,"content":141},{"textAlign":65},[142,144,145,146,148,152,154,155,157,158,160,164],{"text":143,"type":69},"1.1 In these Terms and Conditions, unless the context otherwise requires, the following expressions have the following meanings:",{"type":79},{"type":79},{"text":147,"type":69},"• “",{"text":149,"type":69,"marks":150},"Content",[151],{"type":72},{"text":153,"type":69},"” means any and all text, images, audio, video, scripts, code, software, databases, and any other form of information capable of being stored on a computer that appears on, or forms part of, our site; and",{"type":79},{"text":156,"type":69},"‍",{"type":79},{"text":159,"type":69},"• \"",{"text":161,"type":69,"marks":162},"We/Us/Our",[163],{"type":72},{"text":165,"type":69},"” means Banqup Group.",{"type":62,"attrs":167,"content":168},{"level":133,"textAlign":65},[169],{"text":170,"type":69,"marks":171},"2. Information about us",[172],{"type":72},{"type":54,"attrs":174,"content":175},{"textAlign":65},[176,178,179,180,182,183,184],{"text":177,"type":69},"2.1 Our site is operated by Banqup Group. We are a limited company registered in Belgium under company number 0886.277.617. Our registered address is Avenue Reine Astrid 92A 1310 La Hulpe, Belgium, and",{"type":79},{"type":79},{"text":181,"type":69},"2.2 Our VAT number is BE0886.277.617.",{"type":79},{"type":79},{"text":185,"type":69},"2.3 We are regulated by Financial Services and Market Authority (FSMA).",{"type":62,"attrs":187,"content":188},{"level":133,"textAlign":65},[189],{"text":190,"type":69,"marks":191},"3. How to contact us",[192],{"type":72},{"type":54,"attrs":194,"content":195},{"textAlign":65},[196,198,204],{"text":197,"type":69},"To contact us, please email us at ",{"text":199,"type":69,"marks":200},"info@banqup.com",[201],{"type":106,"attrs":202},{"href":203,"uuid":65,"anchor":65,"custom":65,"target":65,"linktype":19},"mailto:info@unifiedpost.com?subject=Terms%20and%20Conditions",{"text":205,"type":69}," or use the contact form available on our site.",{"type":62,"attrs":207,"content":208},{"level":133,"textAlign":65},[209,213],{"text":210,"type":69,"marks":211},"4. Access to ",[212],{"type":72},{"text":214,"type":69},"our site",{"type":54,"attrs":216,"content":217},{"textAlign":65},[218,220,221,222,224,225,226],{"text":219,"type":69},"4.1 Access to our site is free of charge.",{"type":79},{"type":79},{"text":223,"type":69},"4.2 It is your responsibility to make the arrangements necessary in order to access our site.",{"type":79},{"type":79},{"text":227,"type":69},"4.3 Access to our site is provided on an “as is” and on an “as available” basis. We may suspend or discontinue our site (or any part of it) at any time. We do not guarantee that our site will always be available or that access to it will be uninterrupted. If We suspend or discontinue our site (or any part of it), We will try to give you reasonable notice of the suspension or discontinuation.",{"type":62,"attrs":229,"content":230},{"level":133,"textAlign":65},[231,235],{"text":232,"type":69,"marks":233},"5. 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You are therefore advised to check this page every time you use our site.",{"type":79},{"type":79},{"text":256,"type":69},"6.2 If any part of the current version of these Terms and Conditions conflicts with any previous version(s), the current version shall prevail unless We explicitly state otherwise.",{"type":62,"attrs":258,"content":259},{"level":133,"textAlign":65},[260,264,266],{"text":261,"type":69,"marks":262},"7. How you may use ",[263],{"type":72},{"text":265,"type":69},"our site ",{"text":267,"type":69,"marks":268},"and content (intellectual property rights)",[269],{"type":72},{"type":54,"attrs":271,"content":272},{"textAlign":65},[273,275,276,277,279,280,281,283,284,285,287,288,289,291,292,293],{"text":274,"type":69},"7.1 All content included on our site and the copyright and other intellectual property rights in that content belongs to or has been licensed by Us, unless specifically labelled otherwise. All content is protected by applicable Belgian and international intellectual property laws and treaties.",{"type":79},{"type":79},{"text":278,"type":69},"7.2 You may access, view, and use our site in a web browser (including any web browsing capability built into other types of software or app) and you may download our site (or any part of it) for caching (this usually occurs automatically).",{"type":79},{"type":79},{"text":282,"type":69},"7.3 You may print one copy and download extracts of any page(s) from our site for personal use only.",{"type":79},{"type":79},{"text":286,"type":69},"7.4 You may not modify the printed copies or downloaded extracts in any way. Images, video, audio, or any other content downloaded from our site must not be used separately from accompanying text.",{"type":79},{"type":79},{"text":290,"type":69},"7.5 Our status as the owner and author of the content on our site (or that of identified licensors, as applicable) must always be acknowledged.",{"type":79},{"type":79},{"text":294,"type":69},"7.6 You may not use any content saved or downloaded from our site for commercial purposes without first obtaining a licence from Us (or our licensors, as applicable).",{"type":62,"attrs":296,"content":297},{"level":133,"textAlign":65},[298,302],{"text":299,"type":69,"marks":300},"8. Links to ",[301],{"type":72},{"text":214,"type":69},{"type":54,"attrs":304,"content":305},{"textAlign":65},[306,308,309,310,312,313,314,316,317,318,320,321,322],{"text":307,"type":69},"8.1 You may link to any page on our site.",{"type":79},{"type":79},{"text":311,"type":69},"8.2 Links to our site must be fair and lawful. You must not take unfair advantage of Our reputation or attempt to damage Our reputation.",{"type":79},{"type":79},{"text":315,"type":69},"8.3 You must not link to our site in a manner that suggests any association with Us (where there is none) or any endorsement or approval from Us (where there is none).",{"type":79},{"type":79},{"text":319,"type":69},"8.4 Your link should not use any logos or trademarks displayed on our site without our express written permission.",{"type":79},{"type":79},{"text":323,"type":69},"8.5 You may not link to our site from another website the main content of which is unlawful; obscene; offensive; inappropriate; dishonest; defamatory; threatening; racist, sexist, or otherwise discriminatory; that promotes violence, racial hatred, or terrorism; that infringes intellectual property rights; or that We deem to be otherwise objectionable.",{"type":62,"attrs":325,"content":326},{"level":133,"textAlign":65},[327],{"text":328,"type":69,"marks":329},"9. Links to other sites",[330],{"type":72},{"type":54,"attrs":332,"content":333},{"textAlign":65},[334,336,337,338],{"text":335,"type":69},"9.1 Links to other websites may be included on our site. Unless expressly stated, these sites are not under our control. We accept no responsibility or liability for the content of third-party websites.",{"type":79},{"type":79},{"text":339,"type":69},"9.2 The inclusion of a link to another website on our site is for information purposes only and does not imply any endorsement of that website or of its owners, operators, or any other parties involved with it.",{"type":62,"attrs":341,"content":342},{"level":133,"textAlign":65},[343],{"text":344,"type":69,"marks":345},"10. Disclaimers",[346],{"type":72},{"type":54,"attrs":348,"content":349},{"textAlign":65},[350,352,353,354,356,357,358],{"text":351,"type":69},"10.1 Nothing on our site constitutes professional advice on which you should rely. It is provided for general information purposes only.",{"type":79},{"type":79},{"text":355,"type":69},"10.2 We make reasonable efforts to ensure that the content on our site is complete, accurate, and up to date, but We make no warranties, representations, or guarantees (express or implied) that this will always be the case.",{"type":79},{"type":79},{"text":359,"type":69},"10.3 If you are a business user, We exclude all implied representations, warranties, conditions, and other terms that may apply to our site and content.",{"type":62,"attrs":361,"content":362},{"level":133,"textAlign":65},[363],{"text":364,"type":69,"marks":365},"11. Our liability",[366],{"type":72},{"type":54,"attrs":368,"content":369},{"textAlign":65},[370,372,373,374,376,377,378],{"text":371,"type":69},"11.1 Nothing in these Terms and Conditions excludes or restricts our liability for fraud or fraudulent misrepresentation, for death or personal injury resulting from negligence, or for any other forms of liability which cannot be lawfully excluded or restricted.",{"type":79},{"type":79},{"text":375,"type":69},"11.2 If you are a business user (i.e. you are using our site in the course of business or for commercial purposes), to the fullest extent permissible by law, We accept no liability for any loss or damage, whether foreseeable or otherwise, in contract, tort (including negligence), for breach of statutory duty, or otherwise, arising out of or in connection with the use of (or inability to use) our site or the use of or reliance upon any content included on our site.",{"type":79},{"type":79},{"text":379,"type":69},"11.3 If you are a business user, We accept no liability for loss of profit, sales, business, or revenue; loss of business opportunity, goodwill, or reputation; loss of anticipated savings; business interruption; or for any indirect or consequential loss or damage.",{"type":62,"attrs":381,"content":382},{"level":133,"textAlign":65},[383],{"text":384,"type":69,"marks":385},"12. Viruses, Malware, and Security",[386],{"type":72},{"type":54,"attrs":388,"content":389},{"textAlign":65},[390,392,393,394,396,397,398,400,401,402,404,405,406],{"text":391,"type":69},"12.1 We exercise reasonable skill and care to ensure that our site is secure and free from viruses and malware; however, We do not guarantee that this is the case.",{"type":79},{"type":79},{"text":395,"type":69},"12.2 You are responsible for protecting your hardware, software, data, and other material from viruses, malware, and other internet security risks.",{"type":79},{"type":79},{"text":399,"type":69},"12.3 You must not deliberately introduce viruses or other malware, or any other material which is malicious or technologically harmful either to or via our site.",{"type":79},{"type":79},{"text":403,"type":69},"12.4 You must not attempt to gain unauthorised access to any part of our site, the server on which our site is stored, or any other server, computer, or database connected to our site.",{"type":79},{"type":79},{"text":407,"type":69},"12.5 You must not attack our site by means of a denial of service attack, a distributed denial of service attack, or by any other means.",{"type":62,"attrs":409,"content":410},{"level":133,"textAlign":65},[411,415],{"text":412,"type":69,"marks":413},"13. Acceptable Usage of ",[414],{"type":72},{"text":214,"type":69},{"type":54,"attrs":417,"content":418},{"textAlign":65},[419,421,422,423,424,426,427,429,430,432,433,434,436,437,438,440,441,442,443,445,446,448,449,451,452,454,455,457,458,459],{"text":420,"type":69},"13.1 You may only use our site in a lawful manner:",{"type":79},{"text":156,"type":69},{"type":79},{"text":425,"type":69},"a) You must ensure that you comply fully with any and all local, national, or international laws and regulations that apply;",{"type":79},{"text":428,"type":69},"b) You must not use our site in any way, or for any purpose, that is unlawful or fraudulent; and",{"type":79},{"text":431,"type":69},"c) You must not use our site to knowingly send, upload, or in any other way transmit data that contains any form of virus or other malware or any other code designed to adversely affect computer hardware, software, or data of any kind.",{"type":79},{"type":79},{"text":435,"type":69},"13.2 If you fail to comply with the provisions of this Part 13, you will be in breach of these Terms and Conditions.",{"type":79},{"type":79},{"text":439,"type":69},"13.3 In that respect, We may take one or more of the following actions:",{"type":79},{"text":156,"type":69},{"type":79},{"text":444,"type":69},"a) Suspend or terminate your right to use our site;",{"type":79},{"text":447,"type":69},"b) Issue you with a written warning;",{"type":79},{"text":450,"type":69},"c) Take legal proceedings against you for reimbursement of any and all relevant costs on an indemnity basis resulting from your breach;",{"type":79},{"text":453,"type":69},"d) Take further legal action against you, as appropriate;",{"type":79},{"text":456,"type":69},"e) Disclose such information to law enforcement authorities as required or as We deem reasonably necessary; and/or) Any other actions which We deem reasonably appropriate (and lawful).",{"type":79},{"type":79},{"text":460,"type":69},"13.4 We hereby exclude any and all liability arising out of any actions that We may take (including, but not limited to those set out above in Part 13.2) in response to your breach.",{"type":62,"attrs":462,"content":463},{"level":133,"textAlign":65},[464],{"text":465,"type":69,"marks":466},"14. How we use your personal information",[467],{"type":72},{"type":54,"attrs":469,"content":470},{"textAlign":65},[471,473,479,481],{"text":472,"type":69},"We will only use your personal information as set out in our ",{"text":474,"type":69,"marks":475},"Privacy notice",[476],{"type":106,"attrs":477},{"href":108,"uuid":109,"anchor":65,"custom":478,"target":111,"linktype":112},{},{"text":480,"type":69}," and our ",{"text":122,"type":69,"marks":482},[483],{"type":106,"attrs":484},{"href":126,"uuid":127,"anchor":65,"custom":485,"target":111,"linktype":112},{},{"type":62,"attrs":487,"content":488},{"level":133,"textAlign":65},[489],{"text":490,"type":69,"marks":491},"15. Law and jurisdiction",[492],{"type":72},{"type":54,"attrs":494,"content":495},{"textAlign":65},[496,498,499,500,502,503,504],{"text":497,"type":69},"15.1 These Terms and Conditions, and the relationship between you and Us (whether contractual or otherwise) shall be governed by, and construed in accordance with, Belgian law.",{"type":79},{"type":79},{"text":501,"type":69},"15.2 If you are a consumer, you will benefit from any mandatory provisions of the law in your country of residence. 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En tant que membre émetteur principal, Banqup tirera parti du réseau mondial de Visa pour fournir des cartes commerciales virtuelles qui permettent aux PME d'optimiser leur trésorerie en prolongeant les délais de paiement tout en garantissant que les fournisseurs soient payés immédiatement.",[1415],{"type":1401,"attrs":1416},{"color":1403},{"type":54,"attrs":1418,"content":1420},{"textAlign":1419},"justify",[1421],{"text":1422,"type":69,"marks":1423},"En intégrant les capacités de paiement innovantes de Visa directement dans la plateforme Banqup, la solution permet aux clients de se conformer de manière transparente aux nouvelles réglementations en matière de facturation électronique et de fiscalité, tout en bénéficiant des capacités de paiement de classe mondiale de Visa, telles que la possibilité de payer des factures par carte, tout en favorisant la numérisation, en réduisant les coûts et en améliorant la visibilité commerciale. Visa soutiendra également la stratégie de commercialisation de Banqup par le biais de conseils stratégiques et d'initiatives de marketing conjointes afin d'assurer le succès de l'adoption.",[1424],{"type":1401,"attrs":1425},{"color":1403},{"type":1427,"content":1428},"blockquote",[1429],{"type":54,"attrs":1430,"content":1431},{"textAlign":1419},[1432,1437,1444,1449,1455,1461,1467],{"text":1433,"type":69,"marks":1434},"« ",[1435],{"type":1401,"attrs":1436},{"color":1403},{"text":1438,"type":69,"marks":1439},"Dans un marché régi par la réglementation et la rapidité, ce partenariat nous permet de devancer la concurrence », ",[1440,1442],{"type":1401,"attrs":1441},{"color":1403},{"type":1443},"italic",{"text":1445,"type":69,"marks":1446},"a déclar",[1447],{"type":1401,"attrs":1448},{"color":1403},{"text":1450,"type":69,"marks":1451},"é ",[1452,1454],{"type":1401,"attrs":1453},{"color":1403},{"type":1443},{"text":1456,"type":69,"marks":1457},"Arthur Paijens, PDG de Banqup SA, la société de paiement du Banqup Group SA.",[1458,1460],{"type":1401,"attrs":1459},{"color":1403},{"type":72},{"text":1462,"type":69,"marks":1463}," « Grâce à l'envergure et au réseau mondial de Visa, nous sommes en mesure d'offrir les outils de transfert d'argent les plus avancés sur le plan technologique et les plus rentables qui soient. Nos clients peuvent ainsi gérer en toute confiance les complexités des déclarations électroniques et des transactions P2P transfrontalières.",[1464,1466],{"type":1401,"attrs":1465},{"color":1403},{"type":1443},{"text":1468,"type":69,"marks":1469}," »",[1470],{"type":1401,"attrs":1471},{"color":1403},{"type":54,"attrs":1473,"content":1474},{"textAlign":1419},[1475],{"text":1476,"type":69,"marks":1477},"Cette collaboration répond à un besoin profond du marché : transformer les réglementations européennes complexes en matière de facturation électronique et les tâches administratives en workflows simples et automatisés. L'objectif principal est de libérer les petites et moyennes entreprises (PME) des contraintes administratives, afin qu'elles puissent se concentrer entièrement sur la croissance de leur activité. En rationalisant les exigences complexes telles que la déclaration électronique en temps réel, ce partenariat garantit que la réglementation croissante constitue une base pour une meilleure compréhension des activités et une plus grande clarté des flux de trésorerie, et non une source de complexité.",[1478],{"type":1401,"attrs":1479},{"color":1403},{"type":1427,"content":1481},[1482],{"type":54,"attrs":1483,"content":1484},{"textAlign":1419},[1485,1489,1495,1500,1506,1512],{"text":1433,"type":69,"marks":1486},[1487],{"type":1401,"attrs":1488},{"color":1403},{"text":1490,"type":69,"marks":1491},"L'avenir de la facturation électronique et des paiements est fluide, conforme et intégré », ",[1492,1494],{"type":1401,"attrs":1493},{"color":1403},{"type":1443},{"text":1496,"type":69,"marks":1497},"a ajouté ",[1498],{"type":1401,"attrs":1499},{"color":1403},{"text":1501,"type":69,"marks":1502},"Nicolas de Beco, PDG du groupe Banqup. ",[1503,1505],{"type":1401,"attrs":1504},{"color":1403},{"type":72},{"text":1507,"type":69,"marks":1508},"« En approfondissant notre relation avec Visa, nous intégrons des capacités de paiement mondiales à notre plateforme. Cette puissante validation de notre stratégie SaaS pure player positionne Banqup comme le système d'exploitation financier essentiel pour les entreprises qui naviguent dans la nouvelle ère des obligations de facturation électronique",[1509,1511],{"type":1401,"attrs":1510},{"color":1403},{"type":1443},{"text":1513,"type":69,"marks":1514},". »",[1515],{"type":1401,"attrs":1516},{"color":1403},{"type":1427,"content":1518},[1519],{"type":54,"attrs":1520,"content":1521},{"textAlign":65},[1522,1526,1532,1536,1542,1547,1553,1559,1563,1569],{"text":1433,"type":69,"marks":1523},[1524],{"type":1401,"attrs":1525},{"color":1403},{"text":1527,"type":69,"marks":1528},"D'ici 2028, la facturation électronique obligatoire et la déclaration numérique en temps quasi réel seront en vigueur dans la plupart des économies européennes dans le cadre des réformes de la TVA à l'ère numérique, ce qui aura un impact direct sur plus de 26 millions de PME dans l'Union européenne",[1529,1531],{"type":1401,"attrs":1530},{"color":1403},{"type":1443},{"text":1468,"type":69,"marks":1533},[1534],{"type":1401,"attrs":1535},{"color":1403},{"text":1537,"type":69,"marks":1538},", ",[1539,1541],{"type":1401,"attrs":1540},{"color":1403},{"type":1443},{"text":1543,"type":69,"marks":1544},"declare ",[1545],{"type":1401,"attrs":1546},{"color":1403},{"text":1548,"type":69,"marks":1549},"Florence Mélique, vice-présidente senior du groupe Visa et directrice générale pour la France, la Belgique et le Luxembourg",[1550,1552],{"type":1401,"attrs":1551},{"color":1403},{"type":72},{"text":1554,"type":69,"marks":1555},". ",[1556,1558],{"type":1401,"attrs":1557},{"color":1403},{"type":1443},{"text":1433,"type":69,"marks":1560},[1561],{"type":1401,"attrs":1562},{"color":1403},{"text":1564,"type":69,"marks":1565},"Il ne s'agit pas seulement d'un changement en matière de conformité, mais d'une évolution fondamentale dans la manière dont l'argent et les données doivent être traités. Grâce à notre partenariat avec Banqup, Visa intègre des fonctionnalités de paiement commercial sécurisées directement dans les workflows de facturation et de gestion des commandes conformes, permettant ainsi aux entreprises de réduire les frictions administratives, d'améliorer la visibilité de leur trésorerie et d'opérer en toute confiance alors que les réglementations s'accélèrent",[1566,1568],{"type":1401,"attrs":1567},{"color":1403},{"type":1443},{"text":1513,"type":69,"marks":1570},[1571],{"type":1401,"attrs":1572},{"color":1403},{"_uid":1574,"cards":1575,"buttons":1579,"heading":1580,"tagline":8,"component":1581,"background":49,"description":1582},"5325d29c-9bd2-4aa6-be19-7672be8ea085",[1576,1577,1578],"f1846914-8e11-451a-939f-473a7b08ef26","e29cc19e-c220-4e3f-ae5d-d8c0827c2987","c195cbab-caf0-416d-a7aa-17a57d428467",[],"Articles similaires","cardSlider",{"type":51,"content":1583},[1584],{"type":54},{"id":1586,"alt":8,"name":8,"focus":8,"title":8,"source":8,"filename":1587,"copyright":8,"fieldtype":15,"meta_data":1588,"is_external_url":17},185557634607473,"https://a.storyblok.com/f/318078/1000x666/b025a8c20c/austrian-post-x-banqup-website-blog-image.png",{},[],[1591,1592],"53f53d8b-b52d-4766-863b-290d59034214","43132a85-c931-4893-9655-7832b64683fe",[1594,1595],"banqup","announcements","newsPage",[],"banqup-and-post-business-solutions-partner-to-revolutionize-digital-financial-workflows-for-austrian-businesses","fr/resources/news/banqup-and-post-business-solutions-partner-to-revolutionize-digital-financial-workflows-for-austrian-businesses-banqup-and-visa-enter-strategic-partnership-to-deliver-integrated-e-invoicing-and-e-payment-solutions-tessi-renforce-sa-couverture-internationale-en-matiere-de-facturation-electronique-et-de-ctc-grace-a-un-partenariat-strategique-avec-banqup",-300,[1602],"Partnership",627731613,"08385055-4809-45dd-8368-ab7e56237e9c","2026-06-09T08:31:00.973Z",[],"resources/news/banqup-and-post-business-solutions-partner-to-revolutionize-digital-financial-workflows-for-austrian-businesses",[1609,1612,1615],{"path":1610,"name":1611,"lang":522,"published":56},"resources/news/banqup-and-post-business-solutions-partner-to-revolutionize-digital-financial-workflows-for-austrian-businesses-banqup-and-visa-enter-strategic-partnership-to-deliver-integrated-e-invoicing-and-e-payment-solutions-tessi-versterkt-zijn-internationale-mogelijkheden-op-het-gebied-van-e-facturering-en-ctc-door-een-strategisch-partnerschap-met-banqup","Tessi versterkt zijn internationale mogelijkheden op het gebied van e-facturering en CTC door een strategisch partnerschap met Banqup",{"path":1613,"name":1614,"lang":515,"published":56},"resources/news/banqup-and-post-business-solutions-partner-to-revolutionize-digital-financial-workflows-for-austrian-businesses-banqup-and-visa-enter-strategic-partnership-to-deliver-integrated-e-invoicing-and-e-payment-solutions-tessi-renforce-sa-couverture-internationale-en-matiere-de-facturation-electronique-et-de-ctc-grace-a-un-partenariat-strategique-avec-banqup","Tessi renforce sa couverture internationale en matière de facturation électronique et de CTC grâce à un partenariat stratégique avec Banqup",{"path":1616,"name":1617,"lang":527,"published":56},"informationen/news/banqup-und-post-business-solutions-revolutionieren-oesterreichs-finanz-workflows","Banqup und Post Business Solutions revolutionieren Österreichs Finanz-Workflows",[],"featuredLink",{"url":1621,"_uid":1630,"title":1631,"megaMenu":1632,"component":1170},{"id":1622,"url":8,"linktype":112,"fieldtype":20,"cached_url":1623,"prep":56,"story":1624},"e5b88a74-94ef-4f08-9157-cd766a0be76c","/fr/resources/",{"name":1625,"id":1626,"uuid":1622,"slug":1627,"url":1628,"full_slug":1629,"_stopResolving":56},"Resources library",627839377,"resources","resources/","fr/resources/","eddccbef-b49c-4dd9-a60c-15de8bb7d7f1","Aperçus",[1633],{"_uid":1634,"buttons":1635,"component":1088,"categoryLinks":1636,"featuredSections":1700},"3c00a8db-5d33-4bab-934d-c544aa74ead6",[],[1637],{"_uid":1638,"links":1639,"title":1699,"component":1141},"856ae7bd-bd6f-4931-8ecb-e73dca95ef36",[1640,1655,1669,1684],{"url":1641,"_uid":1650,"image":1651,"title":1653,"component":106,"description":1654},{"id":1642,"url":8,"linktype":112,"fieldtype":20,"cached_url":1643,"prep":56,"story":1644},"874998c4-35c1-4a62-8ef6-595606003ab7","/fr/solutions/compliance-management/tax-compliance",{"name":1645,"id":1646,"uuid":1642,"slug":1647,"url":1648,"full_slug":1649,"_stopResolving":56},"Tax Compliance",131026845126330,"tax-compliance","solutions/compliance-management/tax-compliance","fr/solutions/compliance-management/tax-compliance","f9ca4e9e-ace4-4f08-ae85-a36c842229ec",{"id":65,"alt":65,"name":8,"focus":65,"title":65,"source":65,"filename":8,"copyright":65,"fieldtype":15,"meta_data":1652},{},"Gestion de la conformité","Conformité sans compromis. Éliminez le risque de non-conformité. Automatisez chaque facture.\n\n",{"url":1656,"_uid":1664,"image":1665,"title":1667,"component":106,"description":1668},{"id":1657,"url":8,"linktype":112,"fieldtype":20,"cached_url":1658,"prep":56,"story":1659},"93009d22-0733-4b93-a83d-9cb6787d6429","/fr/resources/blog/",{"name":1660,"id":1661,"uuid":1657,"slug":1660,"url":1662,"full_slug":1663,"_stopResolving":56},"blog",627840826,"resources/blog/","fr/resources/blog/","224ab465-7ae8-4444-9fcc-449140153de0",{"id":65,"alt":65,"name":8,"focus":65,"title":65,"source":65,"filename":8,"copyright":65,"fieldtype":15,"meta_data":1666},{},"Blog","Restez informé des dernières analyses, mises à jour et conseils de Banqup pour vous aider à rationaliser les finances de votre entreprise.",{"url":1670,"_uid":1679,"image":1680,"title":1682,"component":106,"description":1683},{"id":1671,"url":8,"linktype":112,"fieldtype":20,"cached_url":1672,"prep":56,"story":1673},"b6e1a58c-251d-4228-a52b-b1be2bdc9bed","/fr/resources/news/",{"name":1674,"id":1675,"uuid":1671,"slug":1676,"url":1677,"full_slug":1678,"_stopResolving":56},"News",627841874,"news","resources/news/","fr/resources/news/","15534395-decd-4fa0-ba51-0c02bf3c53c4",{"id":65,"alt":65,"name":8,"focus":65,"title":65,"source":65,"filename":8,"copyright":65,"fieldtype":15,"meta_data":1681},{},"Actualités","Obtenez les dernières actualités et annonces Banqup",{"url":1685,"_uid":1694,"image":1695,"title":1697,"component":106,"description":1698},{"id":1686,"url":8,"linktype":112,"fieldtype":20,"cached_url":1687,"prep":56,"story":1688},"653824fb-4b4f-42d9-ab22-38454348dc3c","/fr/resources/webinars/",{"name":1689,"id":1690,"uuid":1686,"slug":1691,"url":1692,"full_slug":1693,"_stopResolving":56},"Webinars",85199283064511,"webinars","resources/webinars/","fr/resources/webinars/","d7d28922-2e33-412e-81e2-1a4897235657",{"id":65,"alt":65,"name":8,"focus":65,"title":65,"source":65,"filename":8,"copyright":65,"fieldtype":15,"meta_data":1696},{},"Webinaires","Des webinaires riches en insights conçus pour aider les entreprises à gérer plus efficacement leurs processus de facturation et administratifs avec la solution Banqup.","Ressources associées",[1701],{"_uid":1702,"link":1703,"button":2279,"component":1619},"6da6ac4b-75ea-4952-8683-2ee603129382",[1704,2078],{"name":1705,"created_at":1706,"published_at":1707,"updated_at":1708,"id":1709,"uuid":1710,"content":1711,"slug":2054,"full_slug":2055,"sort_by_date":2056,"position":2057,"tag_list":2058,"is_startpage":17,"parent_id":2059,"meta_data":65,"group_id":2060,"first_published_at":2061,"release_id":65,"lang":515,"path":65,"alternates":2062,"default_full_slug":2068,"translated_slugs":2069,"_stopResolving":56},"Still struggling with Peppol? 5 Tips to turn e-invoicing into a time-saver","2026-07-09T14:16:29.435Z","2026-07-13T14:24:41.487Z","2026-07-21T08:54:30.357Z",196267988780663,"b4b9fdcb-4a81-4e08-b7ed-86dbafbdddbd",{"seo":1712,"_uid":1716,"body":1717,"image":1969,"theme":8,"title":1973,"related":1974,"summary":1975,"category":2046,"component":2049,"createdOn":2050,"description":2051,"relatedCountries":2052,"transparentNavigation":17,"excludeFromRelatedList":17},{"_uid":1713,"title":1714,"plugin":34,"description":1715},"4edd8008-f041-4f85-9256-87d3470a8632","5 conseils pour faire de la facturation électronique un gain de temps","Marre de ressaisir manuellement vos données de facturation encore et encore ? Découvrez pourquoi la facturation électronique via Peppol ralentit les PME belges et comment Banqup vous fait gagner du temps.","16c8f428-1f4d-4de1-906e-92744ad46fec",[1718,1863,1890,1959],{"_uid":1719,"text":1720,"component":506,"background":49},"44fb936c-0f39-466f-9849-631eab313300",{"type":51,"content":1721},[1722,1731,1736,1741,1746,1754,1762,1781,1786,1791,1796,1801,1806,1811,1816,1821,1826,1831,1836,1841,1843,1848,1853,1858],{"type":54,"attrs":1723,"content":1724},{"textAlign":65},[1725],{"text":1726,"type":69,"marks":1727},"La facturation électronique B2B obligatoire via le réseau Peppol est officiellement en vigueur en Belgique depuis le 1er janvier 2026. Les périodes de grâce et de tolérance initiales sont bel et bien derrière nous, et des amendes pour non-conformité sont désormais activement appliquées. Pourtant, le sentiment général des chefs d'entreprise belges reste particulièrement mitigé.",[1728,1730],{"type":1401,"attrs":1729},{"color":1403},{"type":72},{"type":54,"attrs":1732,"content":1733},{"textAlign":65},[1734],{"text":1735,"type":69},"Une récente étude de marché menée auprès des PME belges met en lumière une réalité frustrante : la promesse d'une simplification administrative s'est transformée en un casse-tête logistique pour beaucoup. À peine la moitié des entreprises interrogées déclarent constater un réel gain de temps, tandis qu'une part importante estime que cette obligation a alourdi la charge administrative plutôt que de l'alléger. Pour de nombreux entrepreneurs, la gestion administrative et financière semblait tout simplement plus facile avant l'entrée en vigueur de cette obligation.",{"type":54,"attrs":1737,"content":1738},{"textAlign":65},[1739],{"text":1740,"type":69},"Comment une initiative conçue pour optimiser les flux de travail des entreprises a-t-elle pu causer autant de frictions ? Plus important encore, comment pouvez-vous adapter votre entreprise pour vous assurer d'être du côté des gagnants en matière d'efficacité ?",{"type":62,"attrs":1742,"content":1743},{"level":687,"textAlign":65},[1744],{"text":1745,"type":69},"Le piège de l'inscription de dernière minute",{"type":54,"attrs":1747,"content":1748},{"textAlign":65},[1749],{"text":1750,"type":69,"marks":1751},"La cause principale de cette frustration généralisée réside dans le calendrier d'adoption. Une nette majorité d'entreprises belges a attendu les derniers mois, voire l'après-date limite, pour s'enregistrer sur le réseau Peppol.",[1752],{"type":1401,"attrs":1753},{"color":1403},{"type":54,"attrs":1755,"content":1756},{"textAlign":65},[1757],{"text":1758,"type":69,"marks":1759},"Cette ruée de dernière minute a provoqué une vague massive d'entreprises se tournant vers l'outil le plus proche, gratuit ou autonome, simplement pour rester en conformité avec la loi. Malheureusement, ces systèmes basiques ont rarement été choisis dans une optique d'intégration opérationnelle.",[1760],{"type":1401,"attrs":1761},{"color":1403},{"type":54,"attrs":1763,"content":1764},{"textAlign":65},[1765,1770,1776],{"text":1766,"type":69,"marks":1767},"Résultat : des milliers d'indépendants et de chefs d'entreprise se trouvent aujourd'hui piégés dans ",[1768],{"type":1401,"attrs":1769},{"color":1403},{"text":1771,"type":69,"marks":1772},"une boucle frustrante de double saisie",[1773,1775],{"type":1401,"attrs":1774},{"color":1403},{"type":72},{"text":1777,"type":69,"marks":1778},". Ils encodent une première fois une facture dans leur outil Peppol basique pour l'envoyer légalement à un client B2B, puis la saisissent manuellement une seconde fois dans leur logiciel comptable ou ERP parce que les deux systèmes ne communiquent pas entre eux. Avec des flux de travail aussi fragmentés, il n'est pas surprenant que les taux d'erreur augmentent et que l'efficacité promise soit introuvable.",[1779],{"type":1401,"attrs":1780},{"color":1403},{"type":62,"attrs":1782,"content":1783},{"level":687,"textAlign":65},[1784],{"text":1785,"type":69},"5 conseils pour utiliser Peppol plus efficacement",{"type":54,"attrs":1787,"content":1788},{"textAlign":65},[1789],{"text":1790,"type":69},"Peppol n'est pas le problème ; c'est le manque d'intégration qui l'est. Voici 5 conseils concrets pour reprendre le contrôle et faire en sorte que la facturation électronique fonctionne enfin pour votre entreprise.",{"type":62,"attrs":1792,"content":1793},{"level":64,"textAlign":65},[1794],{"text":1795,"type":69},"Conseil 1 : Fini la double saisie manuelle (choisissez un logiciel compatible)",{"type":54,"attrs":1797,"content":1798},{"textAlign":65},[1799],{"text":1800,"type":69},"Le plus grand défi de la mise en œuvre de Peppol en Belgique est la fragmentation des logiciels. Arrêtez d'utiliser des applications isolées et autonomes. Choisissez plutôt une solution qui sert de passerelle transparente entre vos outils de facturation, votre CRM et votre logiciel ERP. Lorsque les données circulent automatiquement entre vos systèmes, vous éliminez complètement le besoin de double saisie manuelle et réduisez le risque d'erreur humaine à zéro.",{"type":62,"attrs":1802,"content":1803},{"level":64,"textAlign":65},[1804],{"text":1805,"type":69},"Conseil 2 : Automatisez la collaboration avec votre comptable",{"type":54,"attrs":1807,"content":1808},{"textAlign":65},[1809],{"text":1810,"type":69},"Au lieu de perdre des jours à rassembler vos factures et reçus à la fin de chaque trimestre, vous pouvez automatiser l'ensemble de ce flux de travail. Une plateforme de facturation électronique connectée offre à votre comptable un accès sécurisé et en temps réel à une archive numérique. Vos livres de comptes restent ainsi constamment à jour, ce qui libère du temps pour votre conseiller financier afin qu'il vous propose un accompagnement stratégique proactif plutôt que de courir après les documents.",{"type":62,"attrs":1812,"content":1813},{"level":64,"textAlign":65},[1814],{"text":1815,"type":69},"Conseil 3 : Utilisez une passerelle Peppol intelligente pour la validation et le suivi des erreurs",{"type":54,"attrs":1817,"content":1818},{"textAlign":65},[1819],{"text":1820,"type":69},"De nombreuses PME sont confrontées à des messages d'erreur techniques cryptiques ou à des factures \"invisibles\" qui semblent disparaître dans le réseau. Une passerelle avancée valide automatiquement vos documents selon les normes officielles de formatage UBL/XML avant leur envoi. De plus, grâce aux réponses aux messages de facture (IMR), vous bénéficiez d'un \"accusé de réception\" numérique qui vous permet de savoir exactement quand votre transaction a été reçue avec succès.",{"type":62,"attrs":1822,"content":1823},{"level":64,"textAlign":65},[1824],{"text":1825,"type":69},"Conseil 4 : Protégez votre back-end contre la fraude à la facturation",{"type":54,"attrs":1827,"content":1828},{"textAlign":65},[1829],{"text":1830,"type":69},"La fraude aux factures numériques est en hausse. Une plateforme intégrée effectue des contrôles de conformité automatiques en arrière-plan en vérifiant les numéros de TVA et de la BCE (Banque-Carrefour des Entreprises) de vos partenaires commerciaux. Cela protège votre entreprise des factures fantômes et garantit que votre administration respecte les réglementations strictes sans que vous n'ayez à lever le petit doigt.",{"type":62,"attrs":1832,"content":1833},{"level":64,"textAlign":65},[1834],{"text":1835,"type":69},"Conseil 5 : Associez votre compte bancaire pour un rapprochement direct",{"type":54,"attrs":1837,"content":1838},{"textAlign":65},[1839],{"text":1840,"type":69},"Une véritable tranquillité d'esprit administrative s'obtient lorsque votre hub de facturation se connecte directement à vos comptes financiers. Cela permet de faire correspondre automatiquement les transactions entrantes et sortantes avec les factures ouvertes. Vous bénéficiez ainsi d'une vision limpide et en temps réel de votre fonds de roulement, tout en gérant vos relances de paiement en pilote automatique.",{"type":54,"attrs":1842},{"textAlign":65},{"type":62,"attrs":1844,"content":1845},{"level":687,"textAlign":65},[1846],{"text":1847,"type":69},"Conclusion : Choisir l’efficacité plutôt que la simple conformité",{"type":54,"attrs":1849,"content":1850},{"textAlign":65},[1851],{"text":1852,"type":69},"Le marché a évolué, et la facturation électronique structurée via Peppol est là pour rester. Cependant, l'infrastructure logicielle que vous construisez autour d'elle détermine si elle agira comme un goulot d'étranglement opérationnel ou comme un moteur d'efficacité pour votre entreprise. Les entreprises qui s'accrochent à des outils basiques et déconnectés continueront de perdre des heures précieuses en corrections manuelles.",{"type":54,"attrs":1854,"content":1855},{"textAlign":65},[1856],{"text":1857,"type":69},"Naviguer dans ce paysage avec un écosystème intégré vous permet de débloquer les véritables avantages de cette obligation : moins de paperasse, des paiements plus rapides, une sécurité solide contre la fraude et un flux de travail fluide. Cela nécessite un choix délibéré dans vos outils numériques, mais l'investissement est immédiatement rentabilisé dans la monnaie exacte promise dès le premier jour par la facturation électronique : le temps.",{"type":54,"attrs":1859,"content":1860},{"textAlign":65},[1861],{"text":1862,"type":69},"Chez Banqup, nous pensons que votre temps est mieux investi dans ce que vous faites de mieux : diriger et développer votre entreprise. L'administration financière doit vous soutenir, pas vous ralentir. C'est exactement pour cela que nous avons conçu notre plateforme en gardant à l'esprit ces intégrations essentielles. En agissant comme une passerelle transparente entre vos flux de travail quotidiens, votre comptable et le réseau Peppol, Banqup s'occupe de la complexité technique en arrière-plan afin que vous puissiez bénéficier d'une administration qui se gère pratiquement toute seule.",{"_uid":1864,"align":1379,"image":1865,"theme":544,"buttons":1867,"columns":557,"heading":1879,"padding":1383,"tagline":8,"component":1384,"variation":1880,"background":1881,"headingTag":1882,"description":1883,"invertTextColor":17},"7998de9e-a1e2-49c9-a904-550cd2adb13f",{"id":65,"alt":65,"name":8,"focus":65,"title":65,"source":65,"filename":8,"copyright":65,"fieldtype":15,"meta_data":1866},{},[1868,1873],{"_uid":1869,"link":1870,"size":8,"title":1872,"variant":8,"component":573,"arrowRight":17},"b06c89d4-e3eb-4db4-819f-67bfedb7e79e",{"id":1095,"url":8,"target":571,"linktype":112,"fieldtype":20,"cached_url":1096,"prep":56,"story":1871},{"name":1098,"id":1099,"uuid":1095,"slug":1100,"url":1101,"translated_name":1102,"full_slug":1103,"_stopResolving":56},"Découvrez nos fonctionnalités",{"_uid":1874,"link":1875,"size":8,"title":1878,"variant":8,"component":573},"5a19219e-3cf1-46d3-8097-06fa064b83ed",{"id":1876,"url":8,"target":571,"linktype":112,"fieldtype":20,"cached_url":1877,"prep":56},"5ec4f8a8-cb0a-46e7-b73a-519e75510a2d","/fr/home","Commencer avec Banqup","Du fardeau à l’avantage","inside-grid","primary-50","h2",{"type":51,"content":1884},[1885],{"type":54,"attrs":1886,"content":1887},{"textAlign":65},[1888],{"text":1889,"type":69},"Prêt à transformer l’administration de votre entreprise ? Transformez cette obligation légale en un avantage opérationnel rationalisé dès aujourd’hui.",{"_uid":1891,"theme":8,"buttons":1892,"heading":1893,"tagline":8,"component":1894,"questions":1895,"background":49,"spacingTop":8,"description":1952,"spacingBottom":8,"hideBackgroundShapes":17},"b8fad7dd-5a42-48f6-b5b8-5ec9598840c9",[],"FAQ","faq",[1896,1910,1923],{"_uid":1897,"title":1898,"answer":1899,"component":1909},"3f50e753-063a-48bc-bccc-d36ee86830bd","Quelles sont les difficultés les plus courantes et les plus grands défis liés à la mise en œuvre de Peppol en Belgique ?",{"type":51,"content":1900},[1901],{"type":54,"attrs":1902,"content":1903},{"textAlign":65},[1904],{"text":1905,"type":69,"marks":1906},"Les principaux points de friction sont les systèmes logiciels déconnectés (des outils qui ne communiquent pas entre eux) et le risque de factures oubliées, puisque les factures électroniques arrivent directement dans le logiciel plutôt que dans une boîte de réception d'e-mails. La correction manuelle des fichiers UBL/XML défectueux ajoute également une charge administrative importante pour les entreprises qui ne disposent pas d'une validation automatisée.",[1907],{"type":1401,"attrs":1908},{"color":1403},"question",{"_uid":1911,"title":1912,"answer":1913,"component":1909},"4b1b498f-7e7d-4a80-a3df-c7bb4aaad75b","Quelles solutions logicielles aident à résoudre les problèmes Peppol, et qu'est-ce qui est compatible avec ma comptabilité ?",{"type":51,"content":1914},[1915],{"type":54,"attrs":1916,"content":1917},{"textAlign":65},[1918],{"text":1919,"type":69,"marks":1920},"Les plateformes intégrées comme Banqup résolvent directement ces problèmes. Banqup est un point d'accès Peppol agréé qui fonctionne avec presque tous les logiciels. Cela signifie qu'il se connecte de manière fluide avec la quasi-totalité des logiciels de comptabilité et de gestion d'entreprise populaires utilisés en Belgique. ",[1921],{"type":1401,"attrs":1922},{"color":1403},{"_uid":1924,"title":1925,"answer":1926,"component":1909},"befd64b1-4592-481c-bb97-d1676421cd77","Comment comprendre les messages d'erreur Peppol et quels sont les meilleurs services de validation ?",{"type":51,"content":1927},[1928,1936,1944],{"type":54,"attrs":1929,"content":1930},{"textAlign":65},[1931],{"text":1932,"type":69,"marks":1933},"La plupart des messages d'erreur Peppol courants sont dus à des structures de fichiers incorrectes, des écarts de calcul ou des données obligatoires manquantes, comme un numéro de TVA invalide.",[1934],{"type":1401,"attrs":1935},{"color":1403},{"type":54,"attrs":1937,"content":1938},{"textAlign":65},[1939],{"text":1940,"type":69,"marks":1941},"La meilleure solution consiste à utiliser un service doté d'un logiciel de validation intégré, tel que Banqup. Banqup vérifie automatiquement vos factures à l'avance, détecte ces problèmes rapidement et traduit les erreurs techniques en étapes claires et exploitables afin que vous puissiez les corriger instantanément.",[1942],{"type":1401,"attrs":1943},{"color":1403},{"type":54,"attrs":1945,"content":1946},{"textAlign":65},[1947],{"text":1948,"type":69,"marks":1949},"Si jamais vous rencontrez une erreur technique complexe qui ne semble pas claire, prenez simplement une capture d'écran ou copiez le texte et collez-le dans notre chatbot de support. Le robot traduira instantanément le jargon technique en un langage simple et compréhensible.",[1950],{"type":1401,"attrs":1951},{"color":1403},{"type":51,"content":1953},[1954],{"type":54,"attrs":1955,"content":1956},{"textAlign":65},[1957],{"text":1958,"type":69},"Des questions ? Nous avons des réponses claires et simples pour vous aider à démarrer avec Banqup.",{"_uid":1960,"cards":1961,"buttons":1965,"heading":1580,"tagline":8,"component":1581,"background":49,"description":1966},"57d54b69-8880-4ca2-806f-e8f8b2b353c8",[1962,1963,1964],"b20733ac-50aa-42d5-822b-7ce56bbc8e3f","ad0080e2-4a87-4bd8-9cee-d635641e1ba2","383ae459-7e7f-422b-9734-384ee20a5d9a",[],{"type":51,"content":1967},[1968],{"type":54},{"id":1970,"alt":8,"name":8,"focus":8,"title":8,"source":8,"filename":1971,"copyright":8,"fieldtype":15,"meta_data":1972,"is_external_url":17},196275582338149,"https://a.storyblok.com/f/318078/6016x4016/f4facfc530/blog-cardbanner-save-time-with-e-invoicing.png",{},"Encore en difficulté avec Peppol ? 5 conseils pour transformer la facturation électronique en un gain de temps",[],{"type":51,"content":1976},[1977,1986],{"type":54,"attrs":1978,"content":1979},{"textAlign":65},[1980,1984],{"text":1981,"type":69,"marks":1982},"La facturation électronique obligatoire via Peppol en Belgique (depuis 2026)",[1983],{"type":72},{"text":1985,"type":69}," cause des maux de tête administratifs en raison de logiciels non intégrés qui imposent une double saisie manuelle. Banqup résout ce problème grâce à 5 conseils d'efficacité :",{"type":1987,"attrs":1988,"content":1990},"ordered_list",{"order":1989},1,[1991,2002,2013,2024,2035],{"type":95,"content":1992},[1993],{"type":54,"attrs":1994,"content":1995},{"textAlign":65},[1996,2000],{"text":1997,"type":69,"marks":1998},"Intégrez vos logiciels",[1999],{"type":72},{"text":2001,"type":69}," pour éliminer la double saisie manuelle des données.",{"type":95,"content":2003},[2004],{"type":54,"attrs":2005,"content":2006},{"textAlign":65},[2007,2011],{"text":2008,"type":69,"marks":2009},"Automatisez la collaboration",[2010],{"type":72},{"text":2012,"type":69}," en partageant des archives numériques en temps réel avec votre comptable.",{"type":95,"content":2014},[2015],{"type":54,"attrs":2016,"content":2017},{"textAlign":65},[2018,2022],{"text":2019,"type":69,"marks":2020},"Utilisez une passerelle intelligente",[2021],{"type":72},{"text":2023,"type":69}," pour valider le formatage et suivre les accusés de réception.",{"type":95,"content":2025},[2026],{"type":54,"attrs":2027,"content":2028},{"textAlign":65},[2029,2033],{"text":2030,"type":69,"marks":2031},"Évitez la fraude",[2032],{"type":72},{"text":2034,"type":69}," grâce à des contrôles automatisés de la TVA et de la conformité des partenaires.",{"type":95,"content":2036},[2037],{"type":54,"attrs":2038,"content":2039},{"textAlign":65},[2040,2044],{"text":2041,"type":69,"marks":2042},"Associez vos comptes bancaires",[2043],{"type":72},{"text":2045,"type":69}," pour un rapprochement automatique des paiements.",[2047,2048,1594],"compliance","peppol","blogPage","2026-07-13 00:00","Des études de marché récentes montrent que de nombreux chefs d'entreprise belges perçoivent la facturation électronique obligatoire comme une perte de temps. Découvrez pourquoi des configurations logicielles précipitées obligent les entrepreneurs à ressaisir manuellement les données, et comment Banqup transforme cette obligation légale en un avantage automatisé et un gain de temps.",[2053],"Belgium","5-tips-to-turn-e-invoicing-into-a-time-saver","fr/resources/blog/5-conseils-pour-transformer-la-facturation-electronique-en-un-gain-de-temps","2026-07-13",-4640,[],627731915,"19999dde-5c00-4545-b9a9-120b009246d3","2026-07-13T00:00:00.000Z",[2063],{"id":2064,"name":2065,"slug":2066,"published":56,"full_slug":2067,"is_folder":17,"parent_id":2059},178928846856955,"No more manual guesswork: 5 reasons to switch to automatic reconciliation","5-reasons-why-you-should-do-automatic-reconciliation","resources/blog/5-reasons-why-you-should-do-automatic-reconciliation","resources/blog/5-tips-to-turn-e-invoicing-into-a-time-saver",[2070,2073,2075],{"path":2071,"name":2072,"lang":522,"published":56},"resources/blog/5-tips-om-van-e-facturatie-een-tijdsbesparing-te-maken","Nog steeds moeite met Peppol? 5 tips om van e-facturatie een tijdsbesparing te maken",{"path":2074,"name":1973,"lang":515,"published":56},"resources/blog/5-conseils-pour-transformer-la-facturation-electronique-en-un-gain-de-temps",{"path":2076,"name":2077,"lang":527,"published":56},"informationen/blog/5-tipps-wie-sie-die-elektronische-rechnungsstellung-in-eine-echte-zeitersparnis-verwandeln","Immer noch Probleme mit Peppol? 5 Tipps, wie Sie die elektronische Rechnungsstellung in eine echte Zeitersparnis verwandeln",{"name":2079,"created_at":2080,"published_at":2081,"updated_at":2082,"id":2083,"uuid":2084,"content":2085,"slug":2256,"full_slug":2257,"sort_by_date":65,"position":2258,"tag_list":2259,"is_startpage":17,"parent_id":1603,"meta_data":65,"group_id":2260,"first_published_at":2261,"release_id":65,"lang":515,"path":65,"alternates":2262,"default_full_slug":2268,"translated_slugs":2269,"_stopResolving":56},"Banqup SA is now a certified Qualified Trust Service Provider","2026-07-09T13:45:13.149Z","2026-07-14T07:14:59.776Z","2026-07-14T07:14:59.798Z",196260303535985,"ee865b64-00d2-44d1-a499-6a5df1cc7eed",{"seo":2086,"_uid":2090,"body":2091,"image":2247,"theme":8,"title":2088,"author":2251,"related":2252,"category":2253,"component":1596,"description":2254,"relatedCountries":2255,"transparentNavigation":17,"excludeFromRelatedList":17},{"_uid":2087,"title":2088,"plugin":34,"description":2089},"cf5078c1-7595-4e41-9596-f44ba1016df5","Banqup SA est désormais un prestataire de services de confiance qualifié certifié","Banqup SA est officiellement inscrit en tant que prestataire de services de confiance qualifié (QTSP) selon le règlement eIDAS. Découvrez ce que cela signifie pour vos signatures et cachets électroniques.","c58ecc97-6b8c-4ee8-ae39-a491f987e0cc",[2092,2101],{"_uid":2093,"align":8,"image":2094,"theme":8,"buttons":2096,"columns":644,"heading":2088,"tagline":8,"component":1384,"variation":1385,"background":49,"headingTag":1882,"spacingTop":8,"description":2097,"spacingBottom":8,"hideBackgroundShapes":17},"2f075612-5d7f-4f1d-884d-a21c5555a4f9",{"id":65,"alt":65,"name":8,"focus":65,"title":65,"source":65,"filename":8,"copyright":65,"fieldtype":15,"meta_data":2095},{},[],{"type":51,"content":2098},[2099],{"type":54,"attrs":2100},{"textAlign":65},{"_uid":2102,"text":2103,"theme":8,"component":506,"background":49},"43ee7c87-e3a8-480f-a27f-4f19bc73ba89",{"type":51,"content":2104},[2105,2114,2122,2124,2131,2136,2141,2149,2215,2217,2222,2227,2232,2237],{"type":54,"attrs":2106,"content":2107},{"textAlign":65},[2108],{"text":2109,"type":69,"marks":2110},"Banqup SA est officiellement inscrit sur la liste de confiance belge en tant que prestataire de services de confiance qualifié (QTSP), proposant quatre services de confiance certifiés selon le règlement eIDAS.",[2111],{"type":1401,"attrs":2112},{"color":2113},"#222222",{"type":54,"attrs":2115,"content":2116},{"textAlign":65},[2117],{"text":2118,"type":69,"marks":2119},"C’est une étape importante pour Banqup ainsi que pour les entreprises et organisations qui s’appuient chaque jour sur sa plateforme. Cela signifie que les signatures électroniques, les cachets et les certificats qui les alimentent peuvent tous provenir d’une source unique, réglementée et reconnue par l’UE.",[2120],{"type":1401,"attrs":2121},{"color":2113},{"type":54,"attrs":2123},{"textAlign":65},{"type":62,"attrs":2125,"content":2126},{"level":687,"textAlign":65},[2127],{"text":2128,"type":69,"marks":2129},"Ce que signifie concrètement être un QTSP",[2130],{"type":72},{"type":54,"attrs":2132,"content":2133},{"textAlign":65},[2134],{"text":2135,"type":69},"Le règlement eIDAS crée un cadre juridique clair pour les transactions électroniques dans tous les États membres de l’UE. Au sommet de ce cadre se trouvent les prestataires de services de confiance qualifiés, des organisations qui ont fait l’objet d’évaluations de conformité indépendantes et ont été formellement reconnues par leur autorité de contrôle nationale.",{"type":54,"attrs":2137,"content":2138},{"textAlign":65},[2139],{"text":2140,"type":69},"En Belgique, cette autorité est le SPF Économie. L’inscription sur la liste de confiance belge ne relève pas de l’auto-déclaration. Elle nécessite de réussir un audit indépendant réalisé par un organisme d’évaluation de la conformité accrédité, puis de renouveler cet audit au moins tous les 2 ans pour maintenir ce statut.",{"type":54,"attrs":2142,"content":2143},{"textAlign":65},[2144],{"text":2145,"type":69,"marks":2146},"Banqup SA a mené à bien ce processus. Quatre services sont désormais certifiés, notamment :",[2147],{"type":1401,"attrs":2148},{"color":2113},{"type":92,"content":2150},[2151,2167,2183,2199],{"type":95,"content":2152},[2153],{"type":54,"attrs":2154,"content":2155},{"textAlign":65},[2156,2162],{"text":2157,"type":69,"marks":2158},"QCert for ESig ",[2159,2161],{"type":1401,"attrs":2160},{"color":2113},{"type":72},{"text":2163,"type":69,"marks":2164},"délivre des certificats qualifiés de signature électronique aux particuliers. Ces certificats soutiennent les signatures électroniques qualifiées (SEQ), qui ont la même valeur juridique qu’une signature manuscrite en vertu du droit de l’UE. Elles sont admises en justice et légalement valables dans les 27 États membres.",[2165],{"type":1401,"attrs":2166},{"color":2113},{"type":95,"content":2168},[2169],{"type":54,"attrs":2170,"content":2171},{"textAlign":65},[2172,2178],{"text":2173,"type":69,"marks":2174},"QCert for ESeal ",[2175,2177],{"type":1401,"attrs":2176},{"color":2113},{"type":72},{"text":2179,"type":69,"marks":2180},"fait de même pour les organisations. Au lieu de lier un certificat à une personne physique, il le lie à une personne morale. Lorsqu’une entreprise appose son cachet sur un document avec un certificat délivré dans le cadre de ce service, cela prouve que le document provient de cette organisation et n’a pas été modifié depuis.",[2181],{"type":1401,"attrs":2182},{"color":2113},{"type":95,"content":2184},[2185],{"type":54,"attrs":2186,"content":2187},{"textAlign":65},[2188,2194],{"text":2189,"type":69,"marks":2190},"QRemManage for QSigCD ",[2191,2193],{"type":1401,"attrs":2192},{"color":2113},{"type":72},{"text":2195,"type":69,"marks":2196},"gère l’infrastructure distante qui rend possible la signature individuelle sans carte à puce physique. La clé privée du signataire réside dans un module matériel de sécurité (HSM) sécurisé et hébergé dans le cloud. Lorsqu’une personne signe, elle s’authentifie à distance, la signature s’effectue au sein du HSM et la clé ne le quitte jamais. Banqup gère ce dispositif : son approvisionnement, son maintien en activité et son déclassement le moment venu.",[2197],{"type":1401,"attrs":2198},{"color":2113},{"type":95,"content":2200},[2201],{"type":54,"attrs":2202,"content":2203},{"textAlign":65},[2204,2210],{"text":2205,"type":69,"marks":2206},"QRemManage for QSealCD",[2207,2209],{"type":1401,"attrs":2208},{"color":2113},{"type":72},{"text":2211,"type":69,"marks":2212}," est le même service, mais pour les cachets d’organisation. Il permet aux entreprises d’apposer des cachets sur des documents à grande échelle via une API, sans matériel sur site. Un système ERP peut déclencher automatiquement le cachetage de milliers de factures. La clé de cachetage reste dans le HSM géré par Banqup, et chaque opération est contrôlée par l’organisation.",[2213],{"type":1401,"attrs":2214},{"color":2113},{"type":54,"attrs":2216},{"textAlign":65},{"type":62,"attrs":2218,"content":2219},{"level":687,"textAlign":65},[2220],{"text":2221,"type":69},"Pourquoi cela compte pour les entreprises utilisant Banqup",{"type":54,"attrs":2223,"content":2224},{"textAlign":65},[2225],{"text":2226,"type":69},"Si vous utilisez Banqup pour envoyer des factures électroniques, gérer des documents ou traiter des paiements, la confiance est déjà intégrée à vos activités. La certification QTSP rend cette confiance officielle et légalement reconnue dans toute l’UE. ",{"type":54,"attrs":2228,"content":2229},{"textAlign":65},[2230],{"text":2231,"type":69},"Cela signifie que l’infrastructure qualifiée fait déjà partie de la plateforme que vous utilisez. Et cela signifie que lorsque les réglementations se durciront, comme c’est le cas avec l’entrée en vigueur complète d’eIDAS 2.0, Banqup sera déjà positionné pour vous maintenir en conformité.",{"type":54,"attrs":2233,"content":2234},{"textAlign":65},[2235],{"text":2236,"type":69},"Pour les comptables qui gèrent les documents des clients, pour les entreprises qui échangent des contrats, pour les équipes financières qui cachettent des volumes importants de factures : la couche qualifiée est là, certifiée et prête. Plus d’informations à ce sujet très bientôt.",{"type":1427,"content":2238},[2239],{"type":54,"attrs":2240,"content":2241},{"textAlign":65},[2242],{"text":2243,"type":69,"marks":2244},"« En fournissant des signatures électroniques qualifiées (SEQ) et des cachets électroniques qualifiés (CEQ) à distance sous eIDAS 2, Banqup offre aux organisations une confiance reconnue juridiquement dans les 27 États membres de l’UE. » – Hans Boone, Banqup Trust Services",[2245],{"type":1401,"attrs":2246},{"color":2113},{"id":2248,"alt":8,"name":8,"focus":8,"title":8,"source":8,"filename":2249,"copyright":8,"fieldtype":15,"meta_data":2250,"is_external_url":17},196260478181357,"https://a.storyblok.com/f/318078/6016x4016/956db9fa22/blog-cardbanner-qtsp.png",{},[],[],[1594,1595],"Banqup SA est officiellement inscrit sur la liste de confiance belge en tant que prestataire de services de confiance qualifié (QTSP), proposant quatre services de confiance certifiés selon le règlement eIDAS. 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Découvrez notre nouvelle identité visuelle, la signification de notre plateforme aux codes couleur spécifiques, et notre engagement renouvelé à améliorer votre expérience client.",[2353,2360],{"_uid":2093,"align":8,"image":2354,"theme":8,"buttons":2356,"columns":644,"heading":2350,"tagline":8,"component":1384,"variation":1385,"background":49,"headingTag":1882,"spacingTop":8,"description":2357,"spacingBottom":8,"hideBackgroundShapes":17},{"id":65,"alt":65,"name":8,"focus":65,"title":65,"source":65,"filename":8,"copyright":65,"fieldtype":15,"meta_data":2355},{},[],{"type":51,"content":2358},[2359],{"type":54},{"_uid":2102,"text":2361,"theme":8,"component":506,"background":49},{"type":51,"content":2362},[2363,2368,2375,2384,2389,2394,2399,2404,2409,2414,2419,2432,2445,2458,2471,2476,2481,2486,2491,2496,2501,2506,2511],{"type":54,"attrs":2364,"content":2365},{"textAlign":65},[2366],{"text":2367,"type":69},"Le changement est une étape inévitable de l’évolution. 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Nous avons lu vos avis, suivi vos tickets d’assistance et écouté attentivement vos frustrations concernant la rapidité de la plateforme, sa stabilité et le support client.",{"type":54,"attrs":2400,"content":2401},{"textAlign":65},[2402],{"text":2403,"type":69},"Nous ne lançons pas ce nouveau look pour célébrer ou pour masquer ces défis. Nous l’introduisons comme un tournant. Pour chacun des membres de l’équipe Banqup, cette évolution visuelle représente un engagement renouvelé et concret à faire mieux.",{"type":62,"attrs":2405,"content":2406},{"level":687,"textAlign":65},[2407],{"text":2408,"type":69},"La signification derrière le design",{"type":54,"attrs":2410,"content":2411},{"textAlign":65},[2412],{"text":2413,"type":69},"Chaque nouvel élément que nous avons introduit a été choisi pour apporter de la clarté dans votre gestion administrative quotidienne.",{"type":54,"attrs":2415,"content":2416},{"textAlign":65},[2417],{"text":2418,"type":69},"Afin de rendre notre plateforme plus intuitive, nous avons introduit des couleurs distinctes et fonctionnelles pour les quatre piliers de notre écosystème. 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Discover what this means for businesses via our article.","c96a8d89-87d0-4575-aa43-d26054d63bdf",[3102,3113,3293],{"_uid":3103,"align":1379,"image":3104,"theme":49,"buttons":3108,"columns":644,"heading":3109,"padding":1383,"tagline":8,"component":1384,"variation":1385,"background":49,"headingTag":1386,"description":3110,"invertTextColor":56},"3f418755-1ad3-4a04-a7b7-0e7470201720",{"id":3105,"alt":8,"name":8,"focus":8,"title":8,"source":8,"filename":3106,"copyright":8,"fieldtype":15,"meta_data":3107,"is_external_url":17},102119083678048,"https://a.storyblok.com/f/318078/1925x510/0c89f15391/unifiedpost-group-signs-contract-for-sectoral-electronic-invoicing-platform-with-assuralia.png",{},[],"Le groupe Banqup signe un contrat pour une plateforme sectorielle de facturation électronique avec Assuralia.",{"type":51,"content":3111},[3112],{"type":54},{"_uid":3114,"text":3115,"component":506,"background":49},"c7f40fcf-51db-4f93-ac77-a2aeb5cf7528",{"type":51,"content":3116},[3117,3122,3136,3141,3143,3148,3170,3176,3220,3225,3227,3231,3239,3244,3288],{"type":54,"attrs":3118,"content":3119},{"textAlign":65},[3120],{"text":3121,"type":69},"Assuralia est l’organisation faîtière des assureurs belges. À ce titre, elle défend les intérêts de ses membres et suit de près les tendances et innovations du secteur. Depuis plusieurs années, Assuralia s’intéresse de près à différents produits de facturation électronique. Ces dernières années, l’offre en matière de facturation électronique s’est considérablement développée, sous l’effet de la demande croissante des clients, de l’avancée des nouvelles technologies et de la disponibilité de nouveaux appareils mobiles (smartphones et tablettes).",{"type":54,"attrs":3123,"content":3124},{"textAlign":65},[3125,3127,3134],{"text":3126,"type":69},"Dans ce contexte, le Comité de productivité d’Assuralia a établi en 2014 un plan d’action portant sur la numérisation des documents et des procédures au sein des compagnies d’assurance belges. L’un des projets a été concrétisé fin 2016 : un portail sectoriel unique et multicanal pour la transmission et le paiement numériques des avis d’échéance. Ce portail a pour objectif de servir d’interface pour la réception d’avis d’échéance dans un format électronique standardisé, qui sont ensuite transmis vers les environnements existants (PC banking, ",{"text":3128,"type":69,"marks":3129},"Billtobox",[3130],{"type":106,"attrs":3131},{"href":3132,"uuid":65,"anchor":65,"custom":3133,"target":111,"linktype":19},"https://billtobox.be/",{},{"text":3135,"type":69},", etc.) ou vers une solution convenue (e-mail sécurisé, application, etc.). Ce portail spécifique au secteur de l’assurance proposera également de nouvelles solutions numériques qui répondent mieux aux besoins des preneurs d’assurance.",{"type":54,"attrs":3137,"content":3138},{"textAlign":65},[3139],{"text":3140,"type":69},"Le conseil d’administration d’Assuralia a approuvé la proposition du Comité de productivité de conclure un accord sectoriel avec Banqup, qui a développé une solution répondant aux exigences définies dans l’appel d’offres. Depuis la fin de l’année 2016, un Protocole d’accord exclusif (Memorandum of Understanding) a été signé entre Assuralia et Banqup.",{"type":54,"attrs":3142},{"textAlign":65},{"type":62,"attrs":3144,"content":3145},{"level":64,"textAlign":65},[3146],{"text":3147,"type":69},"« Nous sommes ravis d’avoir été choisis comme partenaire exclusif d’Assuralia »",{"type":1427,"content":3149},[3150],{"type":54,"attrs":3151,"content":3152},{"textAlign":65},[3153,3155,3159,3161,3162,3164,3168],{"text":3154,"type":69},"« Nous sommes très heureux d’avoir été sélectionnés comme partenaire exclusif d’Assuralia », déclare ",{"text":3156,"type":69,"marks":3157},"Luc Caubergh",[3158],{"type":72},{"text":3160,"type":69},", de Banqup.",{"type":79},{"text":3163,"type":69},"« Grâce à notre expérience et à notre approche dite ",{"text":3165,"type":69,"marks":3166},"one-stop-shop",[3167],{"type":1443},{"text":3169,"type":69},", nous pouvons proposer une gamme complète de produits et de services — du document au 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traitement documentaire, la comptabilité automatisée et les applications à valeur ajoutée.",{"type":79},{"text":3238,"type":69},"Banqup est ainsi un fournisseur cloud unique de type one-stop-shop, permettant d’optimiser la chaîne de valeur financière B2B, de la commande à la facturation et au paiement, du contrat de travail au bulletin de paie.",{"type":54,"attrs":3240,"content":3241},{"textAlign":65},[3242],{"text":3243,"type":69},"Quelques faits et chiffres sur le groupe Banqup :",{"type":92,"content":3245},[3246,3253,3260,3267,3274,3281],{"type":95,"content":3247},[3248],{"type":54,"attrs":3249,"content":3250},{"textAlign":65},[3251],{"text":3252,"type":69},"Créé en 2001, avec un historique de réussite éprouvé ;",{"type":95,"content":3254},[3255],{"type":54,"attrs":3256,"content":3257},{"textAlign":65},[3258],{"text":3259,"type":69},"26 millions d’euros de chiffre d’affaires consolidé, principalement récurrent ;",{"type":95,"content":3261},[3262],{"type":54,"attrs":3263,"content":3264},{"textAlign":65},[3265],{"text":3266,"type":69},"230 ETP (équivalents temps plein) au Benelux et en Europe de l’Est, dont 70 en R&D ;",{"type":95,"content":3268},[3269],{"type":54,"attrs":3270,"content":3271},{"textAlign":65},[3272],{"text":3273,"type":69},"200 millions de documents traités par an ;",{"type":95,"content":3275},[3276],{"type":54,"attrs":3277,"content":3278},{"textAlign":65},[3279],{"text":3280,"type":69},"Un portefeuille client diversifié couvrant plusieurs secteurs, des grandes entreprises internationales aux communautés de PME ;",{"type":95,"content":3282},[3283],{"type":54,"attrs":3284,"content":3285},{"textAlign":65},[3286],{"text":3287,"type":69},"Institution de paiement reconnue par la Banque nationale de Belgique.",{"type":54,"attrs":3289,"content":3290},{"textAlign":65},[3291],{"text":3292,"type":69},"Informations correctes à la date de publication du communiqué de presse : 29 mars 2017.",{"_uid":3294,"cards":3295,"buttons":7225,"heading":1580,"tagline":8,"component":1581,"background":49,"description":7226},"8c33eaa9-1ef9-41f2-942c-f5b8bfaa0997",[3296,4818,4819,5806,6566],{"name":3297,"created_at":3298,"published_at":3299,"updated_at":3300,"id":3301,"uuid":3302,"content":3303,"slug":4802,"full_slug":4803,"sort_by_date":4804,"position":4805,"tag_list":4806,"is_startpage":17,"parent_id":2059,"meta_data":65,"group_id":4808,"first_published_at":4809,"release_id":65,"lang":515,"path":65,"alternates":4810,"default_full_slug":4811,"translated_slugs":4812,"_stopResolving":56},"Let’s transfer the Estonian private sector to e-invoices in three years","2025-09-16T10:33:12.416Z","2026-07-24T13:05:20.716Z","2026-07-24T13:05:20.743Z",91460372169288,"26d9fd5c-7ce6-479f-867c-e828839701a7",{"seo":3304,"_uid":3308,"body":3309,"image":4785,"theme":8,"title":3317,"author":4789,"related":4790,"summary":4791,"category":4798,"component":2049,"createdOn":8,"description":4799,"relatedCountries":4800,"transparentNavigation":17,"excludeFromRelatedList":17},{"_uid":3305,"title":3306,"plugin":34,"description":3307},"f6d15ee1-eab4-4dac-bcfe-d481cd4d751d","Estonia's Private Sector & E-invoicing | Blog - Banqup","We interviewed Andrus Kaarelson, CEO of Banqup Estonia, about Estonia's private sector use of electronic invoicing.","92080099-bb7d-4ae8-bbe6-c618ed5a215d",[3310,3321,3410],{"_uid":3311,"align":8,"image":3312,"theme":49,"buttons":3316,"columns":644,"heading":3317,"padding":1383,"tagline":8,"component":1384,"variation":1385,"background":49,"headingTag":1386,"description":3318,"invertTextColor":56},"7c381056-73bc-4875-ae58-bd7103e921c6",{"id":3313,"alt":8,"name":8,"focus":8,"title":8,"source":8,"filename":3314,"copyright":8,"fieldtype":15,"meta_data":3315,"is_external_url":17},94996916104167,"https://a.storyblok.com/f/318078/1925x510/64b2d32e0f/let-s-transfer-the-estonian-private-sector-to-e-invoices-in-three-years.png",{},[],"Transférons le secteur privé estonien aux factures électroniques en trois ans.",{"type":51,"content":3319},[3320],{"type":54},{"_uid":3322,"text":3323,"component":506,"background":49},"9c2f2aaa-6a7e-4a73-a1d7-d237aa4f895a",{"type":51,"content":3324},[3325,3330,3345,3350,3355,3360,3365,3371,3376,3381,3386,3390,3395,3400,3405],{"type":54,"attrs":3326,"content":3327},{"textAlign":65},[3328],{"text":3329,"type":69},"Nous avons parlé à Andrus Kaarelson, PDG de Banqup Estonie, et discuté du rôle des factures électroniques dans le secteur privé.",{"type":54,"attrs":3331,"content":3332},{"textAlign":65},[3333,3335,3343],{"text":3334,"type":69},"L'année dernière, des entrepreneurs nous ont demandé : pourquoi ai-je besoin d'une facture électronique ? Ils posent la même question aujourd'hui car, comme le montre une récente étude d'Ernst & Young, la sensibilisation aux avantages de la facturation électronique reste faible et la pression pour envoyer ",{"text":3336,"type":69,"marks":3337},"factures électroniques",[3338],{"type":106,"attrs":3339},{"href":3340,"uuid":3341,"anchor":65,"custom":3342,"target":111,"linktype":112},"/resources/blog/what-is-electronic-invoicing-","4ef02f0c-e7c4-4aa2-bb98-83ff723c0fdb",{},{"text":3344,"type":69}," Ne vient que de l'État. Mais suivons l'exemple de l'État estonien, devenons plus verts et plus efficaces dans le secteur privé, et passons à la facturation électronique d'ici 2025 ?",{"type":54,"attrs":3346,"content":3347},{"textAlign":65},[3348],{"text":3349,"type":69},"Dans une période d'inflation rapide, les entreprises doivent accroître leur efficacité et transférer certaines activités des employés vers des systèmes d'information. Marek Ilves, responsable du département de développement de logiciels d'entreprise du Centre de services partagés de l'État, fournit un chiffre révélateur : L'obligation imposée aux entreprises en 2019 d'envoyer uniquement des factures électroniques pour les biens et services aux organismes publics a conduit à leur part presque 100% aujourd'hui. Nous économisons du temps, de l'argent et l'environnement, et nous félicitons notre nation numérique pour cette démarche innovante.",{"type":54,"attrs":3351,"content":3352},{"textAlign":65},[3353],{"text":3354,"type":69},"Nous ne pouvons pas voir d'impressionnants pourcentages en termes de règlements entre les entreprises estoniennes. Une enquête menée par Ernst & Young Baltic montre que dans l'économie estonienne, près de 75 millions de factures sont envoyées et reçues chaque année, dont environ 45% sont des factures électroniques. La part la plus importante des factures est constituée par les ordres permanents de factures électroniques envoyés aux banques, ce qui est une victoire pour le secteur privé.",{"type":54,"attrs":3356,"content":3357},{"textAlign":65},[3358],{"text":3359,"type":69},"Environ la moitié de nos entreprises ont envoyé des factures électroniques, mais seules 10 800 entités juridiques se sont enregistrées en tant que destinataires de e-business et ont choisi un opérateur de facturation électronique, ce qui représente environ 8% des entreprises économiquement actives. Ce n'est pas beaucoup. Les petites et moyennes entreprises n'ont pas encore découvert la facturation électronique, et l'enquête révèle les raisons de cela : faible sensibilisation, faible motivation et peur de la complexité de leur mise en œuvre.",{"type":54,"attrs":3361,"content":3362},{"textAlign":65},[3363],{"text":3364,"type":69},"Sure, please provide me with the text you would like me to translate into French.",{"type":62,"attrs":3366,"content":3368},{"level":3367,"textAlign":65},5,[3369],{"text":3370,"type":69},"Alors, que faire avec le secteur privé ?",{"type":54,"attrs":3372,"content":3373},{"textAlign":65},[3374],{"text":3375,"type":69},"L'État avait déjà franchi une grande étape en ne permettant que la facturation électronique, mais il reste encore beaucoup à faire. De notre côté, nous constatons que, en plus du faible niveau de sensibilisation et des craintes des petites entreprises, l'obstacle a été le manque de solutions sur le marché - le manque de solutions qui leur permettraient d'entrer dans le 21e siècle en numérisant leur gestion comptable. Nous encourageons l'envoi de factures électroniques depuis des années - notre service arved.ee compte près de 20 000 utilisateurs. Cependant, il existe peu de solutions de facturation avec plus d'options, en particulier celles qui ne nécessitent pas de connaissances en informatique ou un gros budget. Nous prévoyons de combler cette lacune prochainement avec un nouveau service paneuropéen, Banqup, spécifiquement conçu pour les petites et moyennes entreprises, mais d'autres mesures sont nécessaires.",{"type":54,"attrs":3377,"content":3378},{"textAlign":65},[3379],{"text":3380,"type":69},"Afin de favoriser la diffusion des factures électroniques, il a été proposé que l'acheteur commence à exiger des factures électroniques du vendeur. La coercition n'est pas considérée comme raisonnable, mais en alternative, certains acteurs du marché préfèrent la pratique finlandaise où les entreprises réalisant un chiffre d'affaires annuel d'au moins 10 000 euros ont le droit de demander une facture électronique à leurs partenaires.",{"type":54,"attrs":3382,"content":3383},{"textAlign":65},[3384],{"text":3385,"type":69},"Notre expérience montre que tous les dirigeants d'entreprise sont intéressés à recevoir leur argent à temps, et à cet égard, les factures électroniques sont bien meilleures que les factures papier et PDF. La facturation électronique se fait dans un canal spécifique, et à l'ère du travail hybride, le processus est sous contrôle, les factures ne disparaissent pas. Si la facture passe d'un système à un autre, l'argent sera reçu par le vendeur plus rapidement, à temps. De plus, un bouton de paiement peut être ajouté aux factures de vente, ce qui accélère encore plus la réception de l'argent. Tout cela entraînera une réduction significative de la dette et des charges de gestion de la dette. De plus, les entreprises apprécient certainement la sécurité : lorsque vous envoyez une facture électronique, elle provient d'un utilisateur enregistré qui est identifiable en tout temps. Alors qu'un PDF reçu par e-mail n'est pas toujours sécurisé. J'ai moi-même rencontré une facture frauduleuse qui était très similaire à l'originale et qui n'a été laissée impayée que grâce à l'attention des gestionnaires de factures.",{"type":54,"attrs":3387,"content":3388},{"textAlign":65},[3389],{"text":3364,"type":69},{"type":54,"attrs":3391,"content":3392},{"textAlign":65},[3393],{"text":3394,"type":69},"Les économies de coûts résumées brièvement et de manière succincte sont d'un grand intérêt pour les gestionnaires d'entreprises. Les chiffres peuvent être plus grands ou plus petits, mais voici un exemple : L'étude d'Ernst & Young porte sur une thèse de fin d'études défendue à l'Université de Technologie de Tallinn, selon laquelle le traitement d'une facture PDF coûte 1,37 euros et le traitement d'une facture électronique 0,74 euros, la différence étant de 0,63 euros par facture. Par exemple, si une petite entreprise travaille dur et gère 1000 factures par an, les économies s'élèvent à 630 euros. Les bénéfices des grandes entreprises sont nettement plus élevés.",{"type":54,"attrs":3396,"content":3397},{"textAlign":65},[3398],{"text":3399,"type":69},"Revenons à l'idée que les entreprises du secteur privé pourraient passer à la facturation électronique en trois ans, cela rendrait notre secteur privé déjà rapide encore plus rapide et plus efficace. Si un fournisseur majeur déclare n'accepter que les factures électroniques, il convient d'en discuter avec votre comptable ou votre cabinet comptable. Un beau jour, votre comptable ne se contentera plus de saisir des factures sur un ordinateur mais contribuera réellement au développement de l'entreprise en réalisant des analyses financières. Après tout, il existe des solutions de facturation électronique sur le marché, qui sont à leur tour interfacées avec des logiciels de comptabilité.",{"type":54,"attrs":3401,"content":3402},{"textAlign":65},[3403],{"text":3404,"type":69},"Nous ne voulons pas forcer qui que ce soit à faire de la facturation électronique. Nous encourageons les entreprises à innover et à profiter de l'efficacité qui en découle, ce qui leur fera gagner du temps et de l'argent. Celui qui reste bloqué dans l'ancien n'ira pas vite, mais trois ans est juste le bon moment pour la transition.",{"type":54,"attrs":3406,"content":3407},{"textAlign":65},[3408],{"text":3409,"type":69},"L'article a été publié dans Äripäev le 21 mars 2022.",{"_uid":3411,"cards":3412,"buttons":4781,"heading":1580,"tagline":8,"component":1581,"background":49,"description":4782},"4056ed7c-7af4-4aee-b7fd-df1acb1ad4f7",[3413,3590,4491,4666],{"name":3414,"created_at":3415,"published_at":3416,"updated_at":3417,"id":3418,"uuid":3419,"content":3420,"slug":3575,"full_slug":3576,"sort_by_date":3577,"position":3578,"tag_list":3579,"is_startpage":17,"parent_id":2059,"meta_data":65,"group_id":3580,"first_published_at":3581,"release_id":65,"lang":515,"path":65,"alternates":3582,"default_full_slug":3583,"translated_slugs":3584,"_stopResolving":56},"Why is e-invoicing not the same as a PDF?","2025-09-16T10:20:02.275Z","2026-07-24T13:06:18.516Z","2026-07-24T13:06:18.542Z",91457135760712,"ab260c7f-5825-4940-8432-9752d8d373b7",{"seo":3421,"_uid":3425,"body":3426,"image":3559,"theme":8,"title":3434,"author":3563,"related":3564,"summary":3565,"category":3572,"component":2049,"createdOn":8,"description":3573,"relatedCountries":3574,"transparentNavigation":17,"excludeFromRelatedList":17},{"_uid":3422,"title":3423,"plugin":34,"description":3424},"65368c93-4a9c-433d-8e9b-bd6f0c4b397b","Are E-invoices and PDFs the Same? | Blog - Banqup","Discover the main differences between an electronic invoice and a PDF and discover why many businesses are transitioning to electronic invoices for more efficient business processes.","4f5ae7e2-d1e6-4f4a-a072-c8c6dfb91505",[3427,3438,3548],{"_uid":3428,"align":8,"image":3429,"theme":49,"buttons":3433,"columns":644,"heading":3434,"padding":1383,"tagline":8,"component":1384,"variation":1385,"background":49,"headingTag":1386,"description":3435,"invertTextColor":56},"45073a7c-87d8-4a88-8d5a-683929eb5c8e",{"id":3430,"alt":8,"name":8,"focus":8,"title":8,"source":8,"filename":3431,"copyright":8,"fieldtype":15,"meta_data":3432,"is_external_url":17},94995974269808,"https://a.storyblok.com/f/318078/1925x510/7de685fff6/why-is-e-invoicing-not-the-same-as-a-pdf.png",{},[],"Pourquoi la facturation électronique n'est-elle pas la même qu'un PDF ?",{"type":51,"content":3436},[3437],{"type":54},{"_uid":3439,"text":3440,"component":506,"background":49},"8caec780-c626-463f-be73-2db00b1e2144",{"type":51,"content":3441},[3442,3447,3452,3457,3459,3464,3469,3474,3480,3485,3490,3495,3497,3502,3507,3512,3514,3519,3533],{"type":54,"attrs":3443,"content":3444},{"textAlign":65},[3445],{"text":3446,"type":69},"Beaucoup pensent que les factures électroniques et les PDF sont simplement la même chose. Mais ce n'est pas le cas. Cependant, la facturation électronique va au-delà de cela. Jetez un œil aux principales différences ci-dessous et découvrez les avantages de la facturation électronique pour votre entreprise. ",{"type":54,"attrs":3448,"content":3449},{"textAlign":65},[3450],{"text":3451,"type":69},"Lorsqu'ils entendent le terme de facturation électronique, les entreprises pensent souvent qu'il s'agit d'envoyer des factures par e-mail. Non seulement l'envoi de la facture fait partie de ce processus, mais également la réservation électronique, le paiement et la collecte de l'argent. La facturation électronique permet de réaliser des économies importantes, tant pour l'expéditeur que pour le destinataire. Comme la facturation électronique numérise le processus de facturation à la fois pour l'expéditeur et le destinataire, une facture au format PDF n'est pas considérée comme une facturation électronique.",{"type":54,"attrs":3453,"content":3454},{"textAlign":65},[3455],{"text":3456,"type":69},"Lors de la réception d'un PDF, le destinataire doit encore, avec ou sans l'aide d'un logiciel OCR, saisir manuellement les données dans un système ou les corriger. Dans le cas de la facturation électronique, le destinataire reçoit toutes les données électroniquement, ce qui peut être automatisé avec leurs systèmes comptables. La saisie manuelle n'est plus nécessaire et le contrôle du contenu de la facture peut être automatisé.",{"type":54,"attrs":3458},{"textAlign":65},{"type":62,"attrs":3460,"content":3461},{"level":64,"textAlign":65},[3462],{"text":3463,"type":69},"Automatisé",{"type":54,"attrs":3465,"content":3466},{"textAlign":65},[3467],{"text":3468,"type":69},"Lorsqu'un expéditeur décide d'opter pour la facturation électronique (e-facturation) au lieu d'envoyer simplement un PDF, cela apporte de nombreux avantages pour l'entrepreneur. Tout d'abord, la facturation électronique est comme un courrier recommandé mais plus rapide. Vous savez toujours avec certitude que la facture a été reçue et vous êtes toujours informé à ce sujet. Étant donné que le délai de paiement commence généralement au moment où la facture est enregistrée, la facture électronique peut raccourcir le délai de paiement de quelques jours.",{"type":54,"attrs":3470,"content":3471},{"textAlign":65},[3472],{"text":3473,"type":69},"Sans intervention du service postal ou des salles de courrier ou d'autres départements internes, la facture électronique arrive directement dans le système financier du destinataire. Des rappels peuvent être envoyés automatiquement et des options de paiement peuvent être intégrées dans la facture ou le rappel. Les factures électroniques peuvent être simplement archivées numériquement, ce qui les rend faciles à trouver et ainsi toujours accessibles au sein de l'organisation.",{"type":54,"attrs":3475,"content":3476},{"textAlign":65},[3477,3479],{"text":3478,"type":69},"Avec la facturation électronique, vous êtes prêt pour l'avenir. Ce n'est qu'une question de temps avant que les destinataires ne veuillent plus recevoir les factures d'une autre manière. Le gouvernement (néerlandais) a même rendu la facturation électronique (donc pas les PDF) obligatoire à partir du 1er janvier.",{"type":79},{"type":62,"attrs":3481,"content":3482},{"level":64,"textAlign":65},[3483],{"text":3484,"type":69},"Méthode de facturation électronique",{"type":54,"attrs":3486,"content":3487},{"textAlign":65},[3488],{"text":3489,"type":69},"Les factures papier et les factures PDF envoyées par e-mail sont le plus souvent directement échangées entre deux parties. Bien sûr, c'est également le cas avec les factures électroniques. Dans ce modèle dit \"à deux coins\", deux parties prennent des dispositions sur le format de la facture électronique qu'elles utilisent et sur la connexion technique.",{"type":54,"attrs":3491,"content":3492},{"textAlign":65},[3493],{"text":3494,"type":69},"Cependant, il existe de nombreux formats différents dans le monde de la facturation électronique et cette variété a une fonction. Un format (norme de facturation) reflète souvent les besoins spécifiques d'un secteur ou d'une collaboration. Chaque secteur a son propre processus de commande et de facturation, de sorte qu'un format unique peut même être indésirable.",{"type":54,"attrs":3496},{"textAlign":65},{"type":62,"attrs":3498,"content":3499},{"level":64,"textAlign":65},[3500],{"text":3501,"type":69},"Fournisseur de services de facturation",{"type":54,"attrs":3503,"content":3504},{"textAlign":65},[3505],{"text":3506,"type":69},"Dans le modèle à trois coins, un fournisseur de services de facturation soulage à la fois l'expéditeur et le destinataire dans le processus de facturation. L'expéditeur qui utilise ses propres normes sectorielles, le fournisseur de services de facturation s'assure que la facture parvient au destinataire dans le bon format. De préférence électronique, mais l'e-mail ou le courrier postal sont également optionnels.",{"type":54,"attrs":3508,"content":3509},{"textAlign":65},[3510],{"text":3511,"type":69},"Un autre avantage pour l'expéditeur est qu'il n'y a qu'un seul lien technique à réaliser avec le fournisseur de services de facturation. Le fournisseur de services de facturation se charge de différents liens du côté du destinataire. En traduisant différents formats, le fournisseur de services de facturation s'assure que le destinataire reçoit toutes ses factures électroniquement de la même manière et que l'authenticité et l'intégrité de la facture sont déterminées correctement. Les fournisseurs de services de facturation disposent d'un vaste réseau et concluent des accords avec des systèmes comptables (importants).",{"type":54,"attrs":3513},{"textAlign":65},{"type":62,"attrs":3515,"content":3516},{"level":64,"textAlign":65},[3517],{"text":3518,"type":69},"Simple avec de grands avantages",{"type":54,"attrs":3520,"content":3521},{"textAlign":65},[3522,3524,3531],{"text":3523,"type":69},"En utilisant un ",{"text":3525,"type":69,"marks":3526},"fournisseur de services de facturation",[3527],{"type":106,"attrs":3528},{"href":3529,"uuid":1876,"anchor":65,"custom":3530,"target":111,"linktype":112},"/",{},{"text":3532,"type":69},", les entreprises peuvent facilement échanger des factures électroniques directement avec de nombreux fournisseurs de différents secteurs et fournisseurs. Cela nécessite un lien (configuration unique) entre le système comptable et la plateforme du fournisseur de services. Les petites entreprises peuvent également utiliser un portail web pour envoyer et recevoir des factures électroniques.",{"type":54,"attrs":3534,"content":3535},{"textAlign":65},[3536,3538,3546],{"text":3537,"type":69},"Jetez un œil à Banqup Group et ses ",{"text":3539,"type":69,"marks":3540},"solutions de facturation électronique",[3541],{"type":106,"attrs":3542},{"href":3543,"uuid":3544,"anchor":65,"custom":3545,"target":111,"linktype":112},"/solutions/compliance-management/e-invoicing","cf8e6f0a-0b57-42a9-bf71-017f2fd15474",{},{"text":3547,"type":69}," et découvrez les avantages que le processus numérique peut créer pour votre entreprise.",{"_uid":3549,"cards":3550,"buttons":3555,"heading":1580,"tagline":8,"component":1581,"background":49,"description":3556},"c45b9ec7-2d4e-4c57-afa7-13601b4f6994",[3551,3552,3553,3554],"75b8a961-c128-4cc2-8ea6-997ea8bee673","39a6a8ef-0311-4e22-86d0-f6722eb3d060","1618ccc5-af15-4c14-802a-2e6afdbfe639","e451b414-f5ca-4419-815a-2fb2318391ee",[],{"type":51,"content":3557},[3558],{"type":54},{"id":3560,"alt":3414,"name":8,"focus":8,"title":3414,"source":8,"filename":3561,"copyright":8,"fieldtype":15,"meta_data":3562,"is_external_url":17},91457618297055,"https://a.storyblok.com/f/318078/1032x600/360bf2e7e6/644005210369a927e18a4aa4_blog-why-is-e-invoicing-not-the-same-as-a-pdf.jpg",{"alt":3414,"title":3414,"source":8,"copyright":8},[],[],{"type":51,"content":3566},[3567],{"type":54,"attrs":3568,"content":3569},{"textAlign":65},[3570],{"text":3571,"type":69},"Beaucoup pensent que les factures électroniques et les PDF sont simplement la même chose. Mais ce n’est pas le cas. Découvrez les principales différences.",[2047,3043],"Beaucoup pensent que les factures électroniques et les PDF sont simplement la même chose. Mais ce n'est pas le cas. Explorez les principales différences.",[],"why-is-e-invoicing-not-the-same-as-a-pdf-","fr/resources/blog/why-is-e-invoicing-not-the-same-as-a-pdf-","2018-08-29",-2110,[],"df2b47ad-df9d-4018-b84e-33d749450f77","2018-08-29T13:22:00.000Z",[],"resources/blog/why-is-e-invoicing-not-the-same-as-a-pdf-",[3585,3586,3587],{"path":3583,"name":65,"lang":522,"published":65},{"path":3583,"name":65,"lang":515,"published":65},{"path":3588,"name":3589,"lang":527,"published":56},"informationen/blog/gemini-said-warum-ist-die-e-rechnung-nicht-dasselbe-wie-ein-pdf","Gemini said Warum ist die E-Rechnung nicht dasselbe wie ein PDF?",{"name":3591,"created_at":3592,"published_at":3593,"updated_at":3594,"id":3595,"uuid":3596,"content":3597,"slug":4476,"full_slug":4477,"sort_by_date":4478,"position":4479,"tag_list":4480,"is_startpage":17,"parent_id":2059,"meta_data":65,"group_id":4481,"first_published_at":4482,"release_id":65,"lang":515,"path":65,"alternates":4483,"default_full_slug":4484,"translated_slugs":4485,"_stopResolving":56},"Mandatory electronic invoicing: Are Luxembourg’s micro-enterprises & SMEs ready?","2025-09-16T10:12:49.498Z","2026-07-24T13:06:49.055Z","2026-07-24T13:06:49.096Z",91455363104471,"2624a3f5-4932-4d3a-be86-2f127b7eafbc",{"seo":3598,"_uid":3602,"body":3603,"image":4459,"theme":8,"title":3611,"author":4463,"related":4464,"summary":4465,"category":4472,"component":2049,"createdOn":8,"description":4473,"relatedCountries":4474,"transparentNavigation":17,"excludeFromRelatedList":17},{"_uid":3599,"title":3600,"plugin":34,"description":3601},"c70a9fa5-b304-427c-a107-efae21e97828","Are Luxembourg SMEs E-invoicing Ready? | Blog - Banqup","From 2022, electronic invoicing will be mandatory for Luxembourg's businesses billing public-sector bodies. Explore the changes with Banqup Group.","f4780612-b948-488d-b3c9-dae185cdaf47",[3604,3615,3819],{"_uid":3605,"align":8,"image":3606,"theme":49,"buttons":3610,"columns":644,"heading":3611,"padding":1383,"tagline":8,"component":1384,"variation":1385,"background":49,"headingTag":1386,"description":3612,"invertTextColor":56},"2621a5e1-58f0-4423-a6d4-6c470458c76a",{"id":3607,"alt":8,"name":8,"focus":8,"title":8,"source":8,"filename":3608,"copyright":8,"fieldtype":15,"meta_data":3609,"is_external_url":17},102116512667814,"https://a.storyblok.com/f/318078/1925x510/ab27043ad1/mandatory-electronic-invoicing-are-luxembourg-s-micro-enterprises-smes-ready.png",{},[],"Facturation électronique obligatoire : Les micro-entreprises et PME du Luxembourg sont-elles prêtes ?",{"type":51,"content":3613},[3614],{"type":54},{"_uid":3616,"text":3617,"component":506,"background":49},"b1a52059-db05-4e59-a66d-6406cfc25def",{"type":51,"content":3618},[3619,3624,3629,3634,3639,3646,3651,3653,3658,3663,3668,3673,3675,3680,3685,3687,3692,3697,3699,3704,3709,3714,3719,3726,3737,3759,3761,3766,3771,3773,3778,3785,3790,3795,3800,3805,3810,3812],{"type":54,"attrs":3620,"content":3621},{"textAlign":65},[3622],{"text":3623,"type":69},"Le 1er juillet 2022, toutes les entreprises luxembourgeoises, quelle que soit leur taille, seront légalement tenues de passer progressivement à la facturation électronique et d'émettre des factures structurées, conformes aux exigences des autorités fiscales.",{"type":54,"attrs":3625,"content":3626},{"textAlign":65},[3627],{"text":3628,"type":69},"Unifiedpost (maintenant Banqup), le leader européen des solutions automatisées dans la digitalisation des documents et de la gestion financière, souhaitait savoir si les micro-entreprises et PME luxembourgeoises sont équipées pour cette nouvelle étape cruciale dans la digitalisation des entreprises.",{"type":54,"attrs":3630,"content":3631},{"textAlign":65},[3632],{"text":3633,"type":69},"OpinionWay a réalisé une enquête pour Banqup durant l'été 2021. 200 directeurs de micro-entreprises et PME luxembourgeoises ont été interrogés sur le niveau de digitalisation des outils administratifs au sein de leurs organisations.",{"type":54,"attrs":3635,"content":3636},{"textAlign":65},[3637],{"text":3638,"type":69},"Les résultats de l'enquête sont assez surprenants seulement quelques mois avant que cette obligation entre en vigueur.",{"type":54,"attrs":3640,"content":3641},{"textAlign":65},[3642],{"text":3643,"type":69,"marks":3644},"80 % des dirigeants des micro-entreprises luxembourgeoises ne sont pas conscients de l'obligation d'émettre des factures électroniques.",[3645],{"type":72},{"type":54,"attrs":3647,"content":3648},{"textAlign":65},[3649],{"text":3650,"type":69},"De plus, bien qu'ils puissent être conscients des gains de temps pouvant être générés par des solutions administratives numériques, peu de micro-entreprises utilisent réellement des outils dédiés et la majorité ignore les obligations légales concernant l'introduction de la facturation électronique en 2022, révélant ainsi leur besoin de soutien pour cette transition numérique.",{"type":54,"attrs":3652},{"textAlign":65},{"type":62,"attrs":3654,"content":3655},{"level":133,"textAlign":65},[3656],{"text":3657,"type":69},"Le passage aux factures électroniques structurées : un défi majeur",{"type":54,"attrs":3659,"content":3660},{"textAlign":65},[3661],{"text":3662,"type":69},"L'obligation d'émettre des factures électroniques structurées aux entités du secteur public à partir de 2022 pour les entreprises luxembourgeoises est encore largement ignorée par la direction des micro-entreprises : 92 % des micro-entreprises et PME ne sont pas familières ou n'utilisent pas la facturation électronique structurée.",{"type":54,"attrs":3664,"content":3665},{"textAlign":65},[3666],{"text":3667,"type":69},"80% des directeurs des micro-entreprises et PME luxembourgeoises ne sont pas au courant de l'obligation imminente d'émettre des factures électroniques structurées. 42% en ont entendu parler et seulement 8% l'utilisent déjà. Cette dernière proportion augmente cependant pour les PME de 5 à 19 employés, atteignant 14% des répondants.",{"type":54,"attrs":3669,"content":3670},{"textAlign":65},[3671],{"text":3672,"type":69},"Une découverte inquiétante étant donné que ce sera le seul format qui sera progressivement accepté par les organismes du secteur public à partir du 1er juillet 2022.",{"type":54,"attrs":3674},{"textAlign":65},{"type":62,"attrs":3676,"content":3677},{"level":133,"textAlign":65},[3678],{"text":3679,"type":69},"La gestion des micro-entreprises est trop occupée pour s'occuper de cela : un quart d'entre elles estiment qu'elles doivent passer trop de temps sur les tâches administratives.",{"type":54,"attrs":3681,"content":3682},{"textAlign":65},[3683],{"text":3684,"type":69},"Les tâches administratives peuvent être chronophages pour de nombreuses entreprises. En effet, plus d'un tiers (36 %) des personnes interrogées sont insatisfaites du temps qu'elles doivent y consacrer : 25 % estiment y consacrer trop de temps et 11 % pas assez.",{"type":54,"attrs":3686},{"textAlign":65},{"type":62,"attrs":3688,"content":3689},{"level":133,"textAlign":65},[3690],{"text":3691,"type":69},"Les outils numériques sont largement disponibles, mais ne conduisent pas nécessairement à des économies de temps.",{"type":54,"attrs":3693,"content":3694},{"textAlign":65},[3695],{"text":3696,"type":69},"Les micro-entreprises luxembourgeoises utilisent des outils informatiques pour simplifier la gestion de leurs documents (factures, documents pour les autorités fiscales, relevés bancaires, dépenses, etc.). Dans l'ensemble, elles sont satisfaites de ces outils : plus de 80 % des directeurs estiment que ces outils sont faciles à utiliser, efficaces et adaptés à l'activité de leur entreprise. Cependant, les outils utilisés sont pour la grande majorité basiques et non professionnels : 84 % utilisent des outils basiques (Excel, Word, etc.), 34 % utilisent des solutions proposées par un prestataire de services externe (logiciel, interface web, etc.) et 11 % utilisent d'autres types de solutions numériques, tandis que seulement 8 % des micro-entreprises n'ont aucun outil administratif numérique.",{"type":54,"attrs":3698},{"textAlign":65},{"type":62,"attrs":3700,"content":3701},{"level":133,"textAlign":65},[3702],{"text":3703,"type":69},"Les environnements numériques et le soutien dédié apportent une aide précieuse aux dirigeants de micro-entreprises.",{"type":54,"attrs":3705,"content":3706},{"textAlign":65},[3707],{"text":3708,"type":69},"Bien que la grande majorité de la gestion des micro-entreprises et PME luxembourgeoises aient recours à un prestataire de services pour la gestion de leurs comptes afin de décharger leurs tâches administratives - adopté par 82% des directeurs de micro-entreprises - l'utilisation d'un environnement numérique pour la gestion de leurs factures est encore relativement peu courante : 54% de la gestion des micro-entreprises luxembourgeoises n'ont toujours pas d'environnement numérique (logiciel ou interface) pour payer les factures de leur entreprise.",{"type":54,"attrs":3710,"content":3711},{"textAlign":65},[3712],{"text":3713,"type":69},"En utilisant ces outils, ils pourraient cependant suivre leurs factures au jour le jour, ce qui serait particulièrement crucial pour les entreprises travaillant dans les secteurs industriels et de la construction qui ont parfois du mal à maintenir une bonne visibilité dans ce domaine (12 % reconnaissent ne pas avoir une bonne visibilité de leurs dates d'échéance de paiement et du statut de paiement de leurs factures entrantes et sortantes).",{"type":54,"attrs":3715,"content":3716},{"textAlign":65},[3717],{"text":3718,"type":69},"Outre les avantages comptables réels, le fait d'utiliser un environnement de facturation numérique pourrait garantir que les micro-entreprises et PME luxembourgeoises sont conformes à l'obligation imminente d'émettre des factures électroniques structurées à partir de 2022 pour leurs échanges avec les organismes du secteur public.",{"type":1427,"content":3720},[3721],{"type":54,"attrs":3722,"content":3723},{"textAlign":65},[3724],{"text":3725,"type":69},"Aujourd'hui, cette enquête confirme les retours de nos équipes sur le terrain : seule une minorité de micro-entreprises et PME sont prêtes pour la transition du 1er juillet 2022 et de nombreux dirigeants ne sont pas conscients de l'imminence de cette obligation légale d'utiliser la facturation électronique structurée. Outre la contrainte technique liée à la facturation, il y a un réel désir de trouver des solutions simples et tout-en-un adaptées aux besoins des micro-entreprises et PME au Luxembourg, leur permettant de gérer leurs tâches administratives simplement dans le Cloud.",{"type":1427,"content":3727},[3728],{"type":54,"attrs":3729,"content":3730},{"textAlign":65},[3731,3733],{"text":3732,"type":69},"Le groupe Banqup, coté en bourse et leader européen des solutions automatisées dans la digitalisation des documents et la gestion financière pour les grands groupes européens, s'engage à mettre ses 20 ans d'expérience au service des micro-entreprises et PME luxembourgeoises afin de les accompagner dans cette étape importante de la digitalisation de leur entreprise. ",{"text":3734,"type":69,"marks":3735},"Responsable Partenariats.",[3736],{"type":72},{"type":54,"attrs":3738,"content":3739},{"textAlign":65},[3740,3742,3749,3751,3758],{"text":3741,"type":69},"Jetez un œil à ",{"text":3743,"type":69,"marks":3744},"nos chiffres clés",[3745],{"type":106,"attrs":3746},{"href":3747,"uuid":65,"anchor":65,"custom":3748,"target":111,"linktype":15},"https://a.storyblok.com/f/318078/x/704ae90702/banqup-luxembourg-press-release-fr-26102021.pdf",{},{"text":3750,"type":69}," et téléchargez le ",{"text":3752,"type":69,"marks":3753},"communiqué de presse",[3754],{"type":106,"attrs":3755},{"href":3756,"uuid":65,"anchor":65,"custom":3757,"target":111,"linktype":15},"https://a.storyblok.com/f/318078/x/79f0e7fcfb/banqup-luxembourg-general-press-release-fr-25102021.pdf",{},{"text":770,"type":69},{"type":54,"attrs":3760},{"textAlign":65},{"type":62,"attrs":3762,"content":3763},{"level":133,"textAlign":65},[3764],{"text":3765,"type":69},"Groupe Banqup, leader européen des solutions automatisées dans la digitalisation des documents et principal fournisseur de services de paiement",{"type":54,"attrs":3767,"content":3768},{"textAlign":65},[3769],{"text":3770,"type":69},"Banqup est une plateforme leader basée sur le cloud pour les services aux entreprises des PME, construite sur les piliers \"Documents\", \"Identité\" et \"Paiements\". Banqup exploite et développe une plateforme entièrement basée sur le cloud pour les services administratifs et financiers qui permet des connexions en temps réel et sans couture entre les clients de Banqup, leurs fournisseurs, leurs clients et d'autres parties le long de la chaîne de valeur financière. Avec ses solutions tout-en-un, la mission de Banqup est de rendre les processus administratifs et financiers simples et intelligents pour ses clients. Depuis sa création en 2001, Banqup a connu une croissance significative, s'étendant à des bureaux dans 30 pays, avec plus de 400 millions de documents traités en 2020, touchant plus de 980 000 PME et plus de 2 500 grandes entreprises sur sa plateforme aujourd'hui.",{"type":54,"attrs":3772},{"textAlign":65},{"type":62,"attrs":3774,"content":3775},{"level":133,"textAlign":65},[3776],{"text":3777,"type":69},"Contact presse",{"type":54,"attrs":3779,"content":3780},{"textAlign":65},[3781],{"text":3782,"type":69,"marks":3783},"Groupe GET - Agence de communication",[3784],{"type":72},{"type":54,"attrs":3786,"content":3787},{"textAlign":65},[3788],{"text":3789,"type":69},"Julien Beck",{"type":54,"attrs":3791,"content":3792},{"textAlign":65},[3793],{"text":3794,"type":69},"+ 352 20 60 12 12",{"type":54,"attrs":3796,"content":3797},{"textAlign":65},[3798],{"text":3799,"type":69},"jbe@groupeget.com",{"type":54,"attrs":3801,"content":3802},{"textAlign":65},[3803],{"text":3804,"type":69},"35, Rue de la Libération",{"type":54,"attrs":3806,"content":3807},{"textAlign":65},[3808],{"text":3809,"type":69},"L-3510 Dudelange, Luxembourg",{"type":54,"attrs":3811},{"textAlign":65},{"type":54,"attrs":3813,"content":3814},{"textAlign":65},[3815],{"text":3816,"type":69,"marks":3817},"Enquête réalisée par OpinionWay par le biais d'entretiens téléphoniques avec 200 directeurs d'entreprises représentatives des micro-entreprises et PME luxembourgeoises comptant entre 0 et 19 employés dans les secteurs industriel (14%), du commerce de détail (29%) et des services (57%). Le panel par taille d'entreprise : 51% sans employé, 32% avec 1 à 4 employés, 17% avec 5 à 19 employés. Les entretiens ont été menés du 19 au 29 juillet 2021. Pour plus d'informations, n'hésitez pas à contacter le service de communication de Banqup. Toute publication totale ou partielle doit impérativement inclure la mention complète suivante : \"Enquête OpinionWay pour Banqup\" et aucune partie de l'enquête ne peut être dissociée de cette mention.",[3818],{"type":1443},{"_uid":3820,"cards":3821,"buttons":4455,"heading":1580,"tagline":8,"component":1581,"background":49,"description":4456},"0572d27f-971e-47b1-a4a8-87b8b7fa5fd6",[3822,3552,4010,4232],{"name":3823,"created_at":3824,"published_at":3825,"updated_at":3826,"id":3827,"uuid":3828,"content":3829,"slug":3995,"full_slug":3996,"sort_by_date":3997,"position":3998,"tag_list":3999,"is_startpage":17,"parent_id":2059,"meta_data":65,"group_id":4000,"first_published_at":4001,"release_id":65,"lang":515,"path":65,"alternates":4002,"default_full_slug":4003,"translated_slugs":4004,"_stopResolving":56},"Digital Business Network Alliance launch: North America’s approach to electronic invoicing","2025-09-15T12:29:25.540Z","2026-07-24T14:46:02.283Z","2026-07-24T14:46:02.305Z",91135039707428,"4321c229-6ecf-43d8-9cc5-07cbe825baa4",{"seo":3830,"_uid":3834,"body":3835,"image":3978,"theme":8,"title":3843,"author":3982,"related":3983,"summary":3984,"category":3991,"component":2049,"createdOn":8,"description":3992,"relatedCountries":3993,"transparentNavigation":17,"excludeFromRelatedList":17},{"_uid":3831,"title":3832,"plugin":34,"description":3833},"fd0bda85-604d-47d0-8341-bf2a846043d9","Digital Business Network Alliance Launch | Blog - Banqup","The DBNAlliance has recently launched, which marks a significant stride towards the exchange of electronic invoices and payments in North America. Discover more here.","0850b52a-a8df-4a71-ae62-3ac47d086429",[3836,3848,3970],{"_uid":3837,"align":1379,"image":3838,"theme":49,"buttons":3842,"columns":644,"heading":3843,"padding":1383,"tagline":3844,"component":1384,"variation":1385,"background":49,"headingTag":1386,"description":3845,"invertTextColor":56},"a9d7bfdb-1efd-4400-872e-c88c76a1e4da",{"id":3839,"alt":8,"name":8,"focus":8,"title":8,"source":8,"filename":3840,"copyright":8,"fieldtype":15,"meta_data":3841,"is_external_url":17},101709129137077,"https://a.storyblok.com/f/318078/3840x1017/2a707abd7d/digital-business-network-alliance-launch-north-america-s-approach-to-electronic-invoicing.png",{},[],"Lancement de l'Alliance du Réseau d'Entreprises Numériques : l'approche de l'Amérique du Nord en matière de facturation électronique","Conformité et réglementations",{"type":51,"content":3846},[3847],{"type":54},{"_uid":3849,"text":3850,"component":506,"background":49},"a1f60a88-e9f2-493e-9a86-30d4304a50af",{"type":51,"content":3851},[3852,3857,3859,3866,3871,3876,3878,3885,3890,3903,3905,3912,3917,3922,3927,3940,3945,3947,3954,3959],{"type":54,"attrs":3853,"content":3854},{"textAlign":65},[3855],{"text":3856,"type":69},"L'Alliance du Réseau des Entreprises Numériques (DBNAlliance) a récemment été lancée, ce qui constitue une avancée significative vers l'échange de factures électroniques et de paiements en Amérique du Nord (Canada et États-Unis).",{"type":54,"attrs":3858},{"textAlign":65},{"type":62,"attrs":3860,"content":3861},{"level":64,"textAlign":65},[3862],{"text":3863,"type":69,"marks":3864},"Qu'est-ce que la DBNAlliance ?",[3865],{"type":72},{"type":54,"attrs":3867,"content":3868},{"textAlign":65},[3869],{"text":3870,"type":69},"Le Business Payments Coalition (BPC) et les Services financiers de la Réserve fédérale travaillent ensemble pour améliorer l'efficacité des paiements interentreprises (B2B) au Canada et aux États-Unis.",{"type":54,"attrs":3872,"content":3873},{"textAlign":65},[3874],{"text":3875,"type":69},"En conséquence, les participants du projet des deux organisations (le pilote du marché d'échange de factures électroniques BPC) ont uni leurs forces pour créer l'Alliance des Réseaux d'Entreprises Numériques (DBNAlliance). La DBNAlliance supervisera et exploitera un réseau d'échange de factures électroniques, qui vise à améliorer les processus de paiement interentreprises (B2B).",{"type":54,"attrs":3877},{"textAlign":65},{"type":62,"attrs":3879,"content":3880},{"level":64,"textAlign":65},[3881],{"text":3882,"type":69,"marks":3883},"Plus d'informations sur les objectifs de la DBNAlliance",[3884],{"type":72},{"type":54,"attrs":3886,"content":3887},{"textAlign":65},[3888],{"text":3889,"type":69},"L'objectif principal de la DBNAlliance est de surmonter les inefficacités des paiements B2B. Comme première étape vers la création de paiements B2B plus efficaces, l'Alliance propose l'utilisation et l'échange de factures électroniques.",{"type":54,"attrs":3891,"content":3892},{"textAlign":65},[3893,3895,3901],{"text":3894,"type":69},"La facturation électronique réduit bon nombre des obstacles auxquels les entreprises sont confrontées lorsqu'il s'agit de payer et d'être payées à temps. La facturation électronique réduit considérablement les erreurs de facturation, améliore la traçabilité des factures et, dans le cas de certains fournisseurs de facturation électronique, tels que ",{"text":3896,"type":69,"marks":3897},"Banqup Group",[3898],{"type":106,"attrs":3899},{"href":3543,"uuid":3544,"anchor":65,"custom":3900,"target":111,"linktype":112},{},{"text":3902,"type":69},", crée des paiements plus rapides grâce à l'utilisation de boutons de paiement de factures numériques. Tous les avantages qui créent des processus de paiement B2B plus rapides et plus précis.",{"type":54,"attrs":3904},{"textAlign":65},{"type":62,"attrs":3906,"content":3907},{"level":64,"textAlign":65},[3908],{"text":3909,"type":69,"marks":3910},"Le cadre de travail de la DBNAlliance",[3911],{"type":72},{"type":54,"attrs":3913,"content":3914},{"textAlign":65},[3915],{"text":3916,"type":69},"Afin de rendre la facturation électronique accessible à tous, la DBNAlliance mettra en place un cadre composé de normes techniques et de politiques.",{"type":54,"attrs":3918,"content":3919},{"textAlign":65},[3920],{"text":3921,"type":69},"La politique stipule que la norme de facturation électronique est basée sur des normes non propriétaires et que tous les paiements électroniques sont pris en charge.",{"type":54,"attrs":3923,"content":3924},{"textAlign":65},[3925],{"text":3926,"type":69},"Mais la norme la plus importante au sein du cadre est sa nature interopérable. L'Alliance souhaite que le réseau d'échange de livraison électronique soit accessible par toutes les entreprises américaines et canadiennes grâce à l'utilisation de Points d'Accès interopérables accrédités, une approche basée sur les réseaux d'interopérabilité GENA et Peppol.",{"type":54,"attrs":3928,"content":3929},{"textAlign":65},[3930,3932,3938],{"text":3931,"type":69},"Les points d'accès sont des fournisseurs de services interopérables qui sont membres du réseau de l'Alliance. Les membres comprennent des fournisseurs de services de facturation électronique (tels que ",{"text":3933,"type":69,"marks":3934},"Groupe Banqup",[3935],{"type":106,"attrs":3936},{"href":3543,"uuid":3544,"anchor":65,"custom":3937,"target":111,"linktype":112},{},{"text":3939,"type":69},"), les banques, les réseaux B2B et les prestataires de services de paiement, pour n'en citer que quelques-uns.",{"type":54,"attrs":3941,"content":3942},{"textAlign":65},[3943],{"text":3944,"type":69},"En utilisant des membres, la DBNAlliance peut s'assurer que seuls des fournisseurs dignes de confiance et reconnus opèrent au sein du réseau.",{"type":54,"attrs":3946},{"textAlign":65},{"type":62,"attrs":3948,"content":3949},{"level":64,"textAlign":65},[3950],{"text":3951,"type":69,"marks":3952},"Rester informé des développements de la DBNAlliance",[3953],{"type":72},{"type":54,"attrs":3955,"content":3956},{"textAlign":65},[3957],{"text":3958,"type":69},"Actuellement, le cadre de la DBNAlliance est déjà opérationnel, et contrairement à de nombreux pays européens, il n'y a pas de plans pour introduire des processus obligatoires.",{"type":54,"attrs":3960,"content":3961},{"textAlign":65},[3962,3964],{"text":3963,"type":69},"Pour rester informé des prochains développements de DBNAlliance, ainsi que des mises à jour sur les réseaux d'interopérabilité EESPA et Peppol, suivez le Groupe Banqup sur ",{"text":3965,"type":69,"marks":3966},"LinkedIn.",[3967],{"type":106,"attrs":3968},{"href":2920,"uuid":65,"anchor":65,"custom":3969,"target":571,"linktype":19},{},{"_uid":3971,"cards":3972,"buttons":3974,"heading":1580,"tagline":8,"component":1581,"background":49,"description":3975},"12b6e571-24ad-4c76-a2c0-43e7f8c8674f",[3551,3552,3554,3973],"bb233124-e5bb-4423-a7f6-f1356185fa07",[],{"type":51,"content":3976},[3977],{"type":54},{"id":3979,"alt":3823,"name":8,"focus":8,"title":3823,"source":8,"filename":3980,"copyright":8,"fieldtype":15,"meta_data":3981,"is_external_url":17},91135227701671,"https://a.storyblok.com/f/318078/1033x601/75241683d1/646e1dd47836dc6498c887bd_blog-digital-business-network-alliance-launch_website.jpg",{"alt":3823,"title":3823,"source":8,"copyright":8},[],[],{"type":51,"content":3985},[3986],{"type":54,"attrs":3987,"content":3988},{"textAlign":65},[3989],{"text":3990,"type":69},"La DBNAlliance a récemment été lancée, ce qui marque une avancée significative vers l’échange de factures électroniques et de paiements en Amérique du Nord.",[2047,3049],"La DBNAlliance a récemment été lancée, ce qui marque une avancée significative vers l'échange de factures électroniques et de paiements en Amérique du Nord.",[3994],"Canada","digital-business-network-alliance-launch-north-america-s-approach-to-electronic-invoicing","fr/resources/blog/digital-business-network-alliance-launch-north-america-s-approach-to-electronic-invoicing","2023-05-24",-1830,[],"387e72cc-8735-41b9-b4db-14037d98fa05","2023-05-24T15:30:00.000Z",[],"resources/blog/digital-business-network-alliance-launch-north-america-s-approach-to-electronic-invoicing",[4005,4006,4007],{"path":4003,"name":65,"lang":522,"published":65},{"path":4003,"name":65,"lang":515,"published":65},{"path":4008,"name":4009,"lang":527,"published":56},"informationen/blog/gemini-said-start-der-digital-business-network-alliance-nordamerikas-ansatz-fuer-die-elektronische-rechnungsstellung","Gemini said Start der Digital Business Network Alliance: Nordamerikas Ansatz für die elektronische Rechnungsstellung",{"name":4011,"created_at":4012,"published_at":4013,"updated_at":4014,"id":4015,"uuid":3551,"content":4016,"slug":4217,"full_slug":4218,"sort_by_date":4219,"position":4220,"tag_list":4221,"is_startpage":17,"parent_id":2059,"meta_data":65,"group_id":4222,"first_published_at":4223,"release_id":65,"lang":515,"path":65,"alternates":4224,"default_full_slug":4225,"translated_slugs":4226,"_stopResolving":56},"What is the future of e-procurement?","2025-09-15T12:03:24.488Z","2026-07-24T14:47:12.598Z","2026-07-24T14:47:12.626Z",91128645624277,{"seo":4017,"_uid":4021,"body":4022,"image":4201,"theme":8,"title":4030,"author":4205,"related":4206,"summary":4207,"category":4214,"component":2049,"createdOn":8,"description":4215,"relatedCountries":4216,"transparentNavigation":17,"excludeFromRelatedList":17},{"_uid":4018,"title":4019,"plugin":34,"description":4020},"03beb803-089f-40f9-91fe-cc397bcf2de8","What is the Future of E-procurement? | Blog - Banqup","Take a look at the latest e-procurement trends and innovations that help streamline business processes. Discover with Banqup Group.","1b8d545a-9dc0-4820-92cf-33acc5ec45e3",[4023,4034,4193],{"_uid":4024,"align":8,"image":4025,"theme":49,"buttons":4029,"columns":644,"heading":4030,"padding":1383,"tagline":8,"component":1384,"variation":1385,"background":49,"headingTag":1386,"description":4031,"invertTextColor":56},"88c4598c-1319-444c-8387-b71ce17bcb71",{"id":4026,"alt":8,"name":8,"focus":8,"title":8,"source":8,"filename":4027,"copyright":8,"fieldtype":15,"meta_data":4028,"is_external_url":17},94983831409921,"https://a.storyblok.com/f/318078/1925x510/73fed41456/what-is-the-future-of-e-procurement-1.png",{},[],"Quel est l'avenir de l'approvisionnement électronique ?",{"type":51,"content":4032},[4033],{"type":54},{"_uid":4035,"text":4036,"component":506,"background":49},"2b2dd5f4-226d-4eea-a03f-9ed0f907a8a9",{"type":51,"content":4037},[4038,4043,4048,4053,4058,4060,4065,4070,4075,4080,4085,4090,4103,4108,4113,4118,4137,4142,4147,4152,4157,4168,4173,4178,4183,4188],{"type":62,"attrs":4039,"content":4040},{"level":687,"textAlign":65},[4041],{"text":4042,"type":69},"Les origines de l'approvisionnement électronique",{"type":54,"attrs":4044,"content":4045},{"textAlign":65},[4046],{"text":4047,"type":69},"Les achats électroniques (connus sous le nom d'e-approvisionnement ou de procure-to-pay) désignent l'utilisation d'Internet ou d'un système en réseau pour se procurer les services ou les biens dont une organisation a besoin.",{"type":54,"attrs":4049,"content":4050},{"textAlign":65},[4051],{"text":4052,"type":69},"Développé pour la première fois dans les années 1980 suite à la création de l'échange de données électronique (EDI), l'e-procurement a changé à jamais la façon dont les entreprises opèrent. L'EDI a permis aux clients et aux fournisseurs d'envoyer et de recevoir des documents électroniques pour la première fois, éliminant le besoin de partage physique et permettant ainsi à l'e-procurement de prospérer.",{"type":54,"attrs":4054,"content":4055},{"textAlign":65},[4056],{"text":4057,"type":69},"Au cours des prochaines décennies, la e-procurement a naturellement évolué, avec des développements tels que des solutions de e-procurement basées sur le web et la capacité de s'intégrer aux systèmes d'entreprise. Il est facile de comprendre pourquoi la e-procurement continue d'évoluer alors que les entreprises ont besoin de plus de visibilité, de sécurité et de fonctionnalités avec leurs systèmes de e-procurement. Mais où pouvons-nous nous attendre à ce que la e-procurement évolue ensuite ? Jetons un coup d'œil.",{"type":54,"attrs":4059},{"textAlign":65},{"type":62,"attrs":4061,"content":4062},{"level":64,"textAlign":65},[4063],{"text":4064,"type":69},"Tendances et innovations de l'approvisionnement électronique",{"type":54,"attrs":4066,"content":4067},{"textAlign":65},[4068],{"text":4069,"type":69},"Jetons un coup d'œil aux dernières tendances et à ce qui pourrait être en réserve pour l'avenir.",{"type":62,"attrs":4071,"content":4072},{"level":133,"textAlign":65},[4073],{"text":4074,"type":69},"Exploiter l'intelligence artificielle et l'apprentissage automatique dans les processus d'approvisionnement",{"type":54,"attrs":4076,"content":4077},{"textAlign":65},[4078],{"text":4079,"type":69},"L'intelligence artificielle et l'apprentissage automatique ont un impact sur les opérations commerciales à travers le monde. Les équipes d'approvisionnement ont le potentiel de résoudre des problèmes plus complexes de manière plus rapide et efficace en utilisant l'IA et l'apprentissage automatique.",{"type":54,"attrs":4081,"content":4082},{"textAlign":65},[4083],{"text":4084,"type":69},"Les entreprises peuvent intégrer l'IA dans les applications pour gérer l'analyse des dépenses, la recherche stratégique et la gestion des contrats. Cela permet de prendre de meilleures décisions organisationnelles car l'IA peut aider à la gestion des fournisseurs en capturant et en analysant les données des fournisseurs. En intégrant l'IA, les entreprises peuvent également profiter de insights rapides qui seraient difficiles à obtenir sans le rôle de l'IA. Cela est particulièrement utile dans le processus d'appel d'offres d'une organisation où les modèles dans les soumissions d'appels d'offres et les données de performance des fournisseurs peuvent être analysés.",{"type":54,"attrs":4086,"content":4087},{"textAlign":65},[4088],{"text":4089,"type":69},"Pour les fournisseurs, l'IA peut aider à améliorer la qualité des offres soumises. Cela se fait en analysant les écarts éventuels dans les propositions et en suggérant des moyens de les résoudre. L'apprentissage automatique intégré aux plateformes d'approvisionnement électronique peut apprendre les préférences et les comportements d'une entreprise au fil du temps. Cela permet au système de faire des achats automatiquement ou de suggérer des produits/services en fonction des besoins de l'organisation.",{"type":54,"attrs":4091,"content":4092},{"textAlign":65},[4093,4095,4101],{"text":4094,"type":69},"Il est alors clair de voir comment le rôle de l'IA transforme la manière dont fonctionne la e-procurement. L'",{"text":4096,"type":69,"marks":4097},"enquête 2021 du Directeur des Achats en Chef de Deloitte Global",[4098],{"type":106,"attrs":4099},{"href":4100,"uuid":65,"anchor":65,"custom":65,"target":571,"linktype":19},"https://www2.deloitte.com/us/en/insights/topics/operations/chief-procurement-officer-cpo-survey.html",{"text":4102,"type":69}," constate que les meilleurs performeurs étaient 4 à 5 fois plus susceptibles d'avoir pleinement déployé des analyses/visualisations avancées et 10 fois plus susceptibles d'avoir pleinement déployé des solutions d'automatisation des processus robotiques (RPA). L'enquête a également révélé que les marques performantes avaient pleinement déployé des capacités d'analyse prédictive (12 % contre 0 % pour les autres) et étaient 18 fois plus susceptibles d'avoir pleinement déployé des capacités d'IA/cognitives.",{"type":62,"attrs":4104,"content":4105},{"level":133,"textAlign":65},[4106],{"text":4107,"type":69},"Le rôle de l'analyse prédictive dans l'optimisation des décisions d'approvisionnement",{"type":54,"attrs":4109,"content":4110},{"textAlign":65},[4111],{"text":4112,"type":69},"L'analyse prédictive est le processus d'analyse et d'utilisation des données pour faire des prédictions. Grâce à la capacité de lire les tendances/corrélations, ces systèmes peuvent analyser de grandes quantités de données et prédire la probabilité qu'une action particulière se produise, dans la plupart des cas mieux qu'un humain ne le pourrait.",{"type":54,"attrs":4114,"content":4115},{"textAlign":65},[4116],{"text":4117,"type":69},"Pour les achats, cela aide à optimiser les domaines clés au sein de l'entreprise. Des domaines tels que le risque (c'est-à-dire la détection de la fraude), l'efficacité des coûts, les sources d'approvisionnement et la gestion des relations.",{"type":54,"attrs":4119,"content":4120},{"textAlign":65},[4121,4123,4127,4129,4135],{"text":4122,"type":69},"En ce qui concerne les capacités numériques offrant le plus de valeur aux entreprises, l'",{"text":4096,"type":69,"marks":4124},[4125],{"type":106,"attrs":4126},{"href":4100,"uuid":65,"anchor":65,"custom":65,"target":571,"linktype":19},{"text":4128,"type":69}," a trouvé l'analyse prédictive mentionnée aux côtés de l'analyse diagnostique, de la visualisation, de la RPA et de l'IA. Dans une autre ",{"text":4130,"type":69,"marks":4131},"étude de 2022 par Deloitte,",[4132],{"type":106,"attrs":4133},{"href":4134,"uuid":65,"anchor":65,"custom":65,"target":571,"linktype":19},"https://www2.deloitte.com/content/dam/Deloitte/it/Documents/deloitte-analytics/insight-driven-organization-survey-2022-deloitte-eng.pdf",{"text":4136,"type":69}," 51% des entreprises ont déclaré qu'elles étaient en train de développer ou de re-développer leur stratégie en matière de données, d'analyse et/ou d'IA, ce qui indique un accent accru sur ce domaine.",{"type":62,"attrs":4138,"content":4139},{"level":133,"textAlign":65},[4140],{"text":4141,"type":69},"Impact des pratiques d'approvisionnement durables et socialement responsables",{"type":54,"attrs":4143,"content":4144},{"textAlign":65},[4145],{"text":4146,"type":69},"La durabilité et la manière dont les entreprises se comportent sont sous les projecteurs depuis un certain temps déjà. La responsabilité sociale dans les achats est désormais davantage scrutée avec l'avènement des systèmes d'e-procurement.",{"type":54,"attrs":4148,"content":4149},{"textAlign":65},[4150],{"text":4151,"type":69},"Les revendications de responsabilité sociale faites par les fournisseurs peuvent désormais être surveillées et vérifiées grâce aux outils d'e-procurement. Cela signifie que les organisations doivent réfléchir à deux fois avant de partager des déclarations audacieuses.",{"type":54,"attrs":4153,"content":4154},{"textAlign":65},[4155],{"text":4156,"type":69},"Les achats durables sont susceptibles d'être l'avenir. Il s'agit du processus qui intègre les aspects environnementaux, de gouvernance et de responsabilité sociale des entreprises dans les processus d'approvisionnement et de prise de décision. Les entreprises responsables regarderont de manière plus favorable les fournisseurs qui sont également socialement responsables. Réduire l'empreinte carbone, utiliser des matériaux sourcés de manière éthique et réduire la consommation d'énergie sont quelques-unes des façons d'y parvenir.",{"type":54,"attrs":4158,"content":4159},{"textAlign":65},[4160,4166],{"text":4161,"type":69,"marks":4162},"Le rapport sur l'avenir des achats de KPMG",[4163],{"type":106,"attrs":4164},{"href":4165,"uuid":65,"anchor":65,"custom":65,"target":571,"linktype":19},"https://kpmg.com/xx/en/home/services/advisory/management-consulting/optimize-your-sector-operations/future-procurement.html",{"text":4167,"type":69}," met en avant quelques domaines clés comme voie de croissance vers une approvisionnement plus efficace et durable. Le rapport inclut la création de transparence dans l'approvisionnement grâce à l'IA et d'autres outils, l'analyse prédictive pour aider à identifier les risques, en mettant l'accent sur la gestion des relations avec les fournisseurs et en co-développant de nouvelles approches pour stimuler l'innovation.",{"type":62,"attrs":4169,"content":4170},{"level":133,"textAlign":65},[4171],{"text":4172,"type":69},"Adoption de la technologie de la blockchain pour une transparence et une sécurité accrues",{"type":54,"attrs":4174,"content":4175},{"textAlign":65},[4176],{"text":4177,"type":69},"La blockchain est une technologie innovante qui établit un registre distribué de chaque transaction au sein d'un réseau et permet à plusieurs participants de le superviser simultanément. En termes d'approvisionnement, elle offre un moyen fiable de suivre le parcours d'un produit ou d'une transaction, depuis son origine jusqu'à son acquisition et son paiement final, garantissant une sécurité élevée tout au long du processus.",{"type":62,"attrs":4179,"content":4180},{"level":64,"textAlign":65},[4181],{"text":4182,"type":69},"Restez à jour avec les dernières nouveautés en matière d'approvisionnement électronique.",{"type":54,"attrs":4184,"content":4185},{"textAlign":65},[4186],{"text":4187,"type":69},"L'avenir de la e-procurement est en constante évolution. Au sein du groupe Banqup, nous surveillons de près les tendances pour fournir les informations et conseils les plus récents.",{"type":54,"attrs":4189,"content":4190},{"textAlign":65},[4191],{"text":4192,"type":69},"Visitez notre page procure-to-pay pour en savoir plus ou suivez notre page LinkedIn pour recevoir des mises à jour régulières.",{"_uid":4194,"cards":4195,"buttons":4197,"heading":1580,"tagline":8,"component":1581,"background":49,"description":4198},"8c5bb27d-8292-42b9-aca3-87efd47cb24e",[3551,3973,4196],"7bd56c8d-db21-4dac-a06b-3f00367182c9",[],{"type":51,"content":4199},[4200],{"type":54},{"id":4202,"alt":4011,"name":8,"focus":8,"title":4011,"source":8,"filename":4203,"copyright":8,"fieldtype":15,"meta_data":4204,"is_external_url":17},91128751216035,"https://a.storyblok.com/f/318078/1032x600/c14fabcc57/64a2e86148a9662d4b5a4f67_blog-what-is-the-future-of-e-procurement.jpg",{"alt":4011,"title":4011,"source":8,"copyright":8},[],[],{"type":51,"content":4208},[4209],{"type":54,"attrs":4210,"content":4211},{"textAlign":65},[4212],{"text":4213,"type":69},"Découvrez les dernières tendances et innovations en matière d’e-achat qui contribuent à rationaliser les processus métier.",[2047,3049],"Jetez un œil aux dernières tendances et innovations en matière d'e-procurement qui aident à rationaliser les processus commerciaux.",[],"what-is-the-future-of-e-procurement-","fr/resources/blog/what-is-the-future-of-e-procurement-","2023-10-03",-1790,[],"7e80e5c4-839c-4ae5-a22a-8ff7b10612b9","2023-10-03T15:04:00.000Z",[],"resources/blog/what-is-the-future-of-e-procurement-",[4227,4228,4229],{"path":4225,"name":65,"lang":522,"published":65},{"path":4225,"name":65,"lang":515,"published":65},{"path":4230,"name":4231,"lang":527,"published":56},"informationen/blog/was-ist-die-zukunft-des-e-procurements","Was ist die Zukunft des E-Procurements?",{"name":4233,"created_at":4234,"published_at":4235,"updated_at":4236,"id":4237,"uuid":3554,"content":4238,"slug":4440,"full_slug":4441,"sort_by_date":4442,"position":4443,"tag_list":4444,"is_startpage":17,"parent_id":2059,"meta_data":65,"group_id":4445,"first_published_at":4446,"release_id":65,"lang":515,"path":65,"alternates":4447,"default_full_slug":4448,"translated_slugs":4449,"_stopResolving":56},"Using AI to automate your procurement process","2025-09-15T11:10:28.278Z","2026-07-24T14:48:51.937Z","2026-07-24T14:48:51.964Z",91115635899210,{"seo":4239,"_uid":4243,"body":4244,"image":4423,"theme":8,"title":4427,"author":4428,"related":4429,"summary":4430,"category":4437,"component":2049,"createdOn":8,"description":4438,"relatedCountries":4439,"transparentNavigation":17,"excludeFromRelatedList":17},{"_uid":4240,"title":4241,"plugin":34,"description":4242},"da3839de-80be-4bc0-ab27-05f3afca1f44","Using AI to Automate Procurement | Blog - Banqup","In today's fast-paced business landscape, companies strive for seamless and error-free procurement and invoicing processes. A game-changer is the increased use of artificial intelligence (AI). ","94e35906-11ab-4f44-ae3c-cefce16200c5",[4245,4257,4413],{"_uid":4246,"align":8,"image":4247,"theme":49,"buttons":4251,"columns":644,"heading":4252,"padding":1383,"tagline":4253,"component":1384,"variation":1385,"background":49,"headingTag":1386,"description":4254,"invertTextColor":56},"044737ac-a575-4b5b-96a5-4cdcfe1358c4",{"id":4248,"alt":8,"name":8,"focus":8,"title":8,"source":8,"filename":4249,"copyright":8,"fieldtype":15,"meta_data":4250,"is_external_url":17},94982609372182,"https://a.storyblok.com/f/318078/1925x510/aa83647abe/using-ai-to-automate-your-procurement-process.png",{},[],"Utiliser l'intelligence artificielle pour automatiser votre processus d'approvisionnement","Transformation numérique",{"type":51,"content":4255},[4256],{"type":54},{"_uid":4258,"text":4259,"component":506,"background":49},"b2fee014-a4c6-4207-802b-3b7ce2c43578",{"type":51,"content":4260},[4261,4266,4271,4276,4278,4283,4288,4293,4298,4300,4305,4310,4315,4320,4322,4327,4332,4383,4388,4390,4395,4408],{"type":54,"attrs":4262,"content":4263},{"textAlign":65},[4264],{"text":4265,"type":69},"Dans le paysage commercial actuel, les entreprises cherchent à mettre en place des processus d'approvisionnement et de facturation sans faille et sans erreur. Un élément clé est l'utilisation croissante de l'intelligence artificielle (IA). ",{"type":54,"attrs":4267,"content":4268},{"textAlign":65},[4269],{"text":4270,"type":69},"L'IA devient rapidement le moteur de l'automatisation des processus d'approvisionnement et de la gestion des achats. L'IA remplace les tâches manuelles de vérification des données et permet aux entreprises de passer à des modes de travail numérisés.",{"type":54,"attrs":4272,"content":4273},{"textAlign":65},[4274],{"text":4275,"type":69},"Et comment l'IA fait-elle cela ? L'IA détecte les tendances et automatise les tâches en fonction des règles définies par une entreprise. Les processus deviennent de plus en plus efficaces avec le temps, et les entreprises commencent à travailler de manière beaucoup plus intelligente.",{"type":54,"attrs":4277},{"textAlign":65},{"type":62,"attrs":4279,"content":4280},{"level":64,"textAlign":65},[4281],{"text":4282,"type":69},"Comment les entreprises fonctionnaient-elles avant l'IA ?",{"type":54,"attrs":4284,"content":4285},{"textAlign":65},[4286],{"text":4287,"type":69},"Avant l'IA, les transactions commerciales et les connexions étaient possibles grâce à l'Échange de Données Informatisé (EDI).",{"type":54,"attrs":4289,"content":4290},{"textAlign":65},[4291],{"text":4292,"type":69},"L'EDI permet des transactions électroniques interentreprises, mais seulement si les deux entreprises sont d'accord sur le type de données structurées. Le processus EDI est fiable, mais peut être complexe, nécessiter beaucoup de maintenance et être coûteux. C'est pourquoi les entreprises ont tendance à utiliser l'EDI pour traiter seulement un petit nombre de transactions, puis le PDF et l'e-mail pour les autres documents restants.",{"type":54,"attrs":4294,"content":4295},{"textAlign":65},[4296],{"text":4297,"type":69},"Il est facile de comprendre pourquoi les entreprises n'utilisent pas les PDF et les e-mails pour tous les documents. Les PDF peuvent être dans divers formats, ce qui nécessite donc beaucoup d'efforts manuels de la part du client et du fournisseur. Cela inclut la lecture, la vérification, la validation et la correspondance des documents.",{"type":54,"attrs":4299},{"textAlign":65},{"type":62,"attrs":4301,"content":4302},{"level":64,"textAlign":65},[4303],{"text":4304,"type":69},"Connexion sans erreur des fournisseurs",{"type":54,"attrs":4306,"content":4307},{"textAlign":65},[4308],{"text":4309,"type":69},"Pour travailler de manière plus intelligente, les entreprises doivent accueillir le degré élevé d'automatisation qui ne vient pas avec les processus PDF et EDI. En accueillant l'automatisation, les entreprises créent des connexions fournisseur sans erreur qui permettent des processus plus efficaces.",{"type":54,"attrs":4311,"content":4312},{"textAlign":65},[4313],{"text":4314,"type":69},"C'est là que l'IA entre en jeu.",{"type":54,"attrs":4316,"content":4317},{"textAlign":65},[4318],{"text":4319,"type":69},"Les intelligences artificielles lisent les documents avec une grande précision sans nécessiter de travail manuel. Déjà, les entreprises n'ont plus besoin de lire, traiter ou valider les documents, car l'IA le fait pour elles. Par exemple, l'IA peut détecter que \"zéro\" et \"0\" sont identiques - une correspondance généralement impossible sans intervention humaine. L'IA peut également faire correspondre des informations similaires, par exemple un document indiquant \"4x 25kg\" et un document indiquant \"1x 100kg\".",{"type":54,"attrs":4321},{"textAlign":65},{"type":62,"attrs":4323,"content":4324},{"level":64,"textAlign":65},[4325],{"text":4326,"type":69},"Comment l'IA bénéficie aux processus commerciaux",{"type":54,"attrs":4328,"content":4329},{"textAlign":65},[4330],{"text":4331,"type":69},"Lorsqu'une entreprise adopte l'IA, les avantages sont rapides et évidents :",{"type":92,"content":4333},[4334,4341,4348,4355,4362,4369,4376],{"type":95,"content":4335},[4336],{"type":54,"attrs":4337,"content":4338},{"textAlign":65},[4339],{"text":4340,"type":69},"Économies de temps grâce à des méthodes de travail plus efficaces",{"type":95,"content":4342},[4343],{"type":54,"attrs":4344,"content":4345},{"textAlign":65},[4346],{"text":4347,"type":69},"Amélioration significative de la qualité et de la vitesse du processus",{"type":95,"content":4349},[4350],{"type":54,"attrs":4351,"content":4352},{"textAlign":65},[4353],{"text":4354,"type":69},"Optimisation des coûts, retour sur investissement plus rapide",{"type":95,"content":4356},[4357],{"type":54,"attrs":4358,"content":4359},{"textAlign":65},[4360],{"text":4361,"type":69},"Connexion simple et rapide des fournisseurs",{"type":95,"content":4363},[4364],{"type":54,"attrs":4365,"content":4366},{"textAlign":65},[4367],{"text":4368,"type":69},"Traitement sécurisé et certifié des données",{"type":95,"content":4370},[4371],{"type":54,"attrs":4372,"content":4373},{"textAlign":65},[4374],{"text":4375,"type":69},"Le profilage des achats en tant que moteur de l'innovation pour la digitalisation",{"type":95,"content":4377},[4378],{"type":54,"attrs":4379,"content":4380},{"textAlign":65},[4381],{"text":4382,"type":69},"Une attractivité plus élevée pour les spécialistes",{"type":54,"attrs":4384,"content":4385},{"textAlign":65},[4386],{"text":4387,"type":69},"Bien sûr, la bonne technologie d'IA vient lorsque l'on choisit le bon fournisseur de solutions.",{"type":54,"attrs":4389},{"textAlign":65},{"type":62,"attrs":4391,"content":4392},{"level":64,"textAlign":65},[4393],{"text":4394,"type":69},"Solutions d'IA du groupe Banqup",{"type":54,"attrs":4396,"content":4397},{"textAlign":65},[4398,4400,4406],{"text":4399,"type":69},"Avec ",{"text":4401,"type":69,"marks":4402},"Banqup Group,",[4403],{"type":106,"attrs":4404},{"href":3529,"uuid":1876,"anchor":65,"custom":4405,"target":111,"linktype":112},{},{"text":4407,"type":69}," votre entreprise peut accueillir l'IA et commencer à profiter de flux de travail numériques automatisés et basés sur les données en un rien de temps.",{"type":54,"attrs":4409,"content":4410},{"textAlign":65},[4411],{"text":4412,"type":69},"Avec notre solution, dites adieu aux coûteux EDI et aux extractions manuelles. Dites bonjour à des processus rationalisés et des flux de travail définis, adaptés aux besoins de votre entreprise. Explorez notre solution de la chaîne d'approvisionnement au paiement dès aujourd'hui.",{"_uid":4414,"cards":4415,"buttons":4419,"heading":1580,"tagline":8,"component":1581,"background":49,"description":4420},"f533d776-8835-4d20-a2a6-b80df3885ea4",[4416,4417,4418,4196],"6c4774f1-0735-42be-b38c-ef2d5ea0c726","a9e8392a-e123-4af2-b423-23422fb37685","8b507ceb-6d21-42f2-82c9-b1f15e39dc9e",[],{"type":51,"content":4421},[4422],{"type":54},{"id":4424,"alt":4233,"name":8,"focus":8,"title":4233,"source":8,"filename":4425,"copyright":8,"fieldtype":15,"meta_data":4426,"is_external_url":17},91115770591195,"https://a.storyblok.com/f/318078/1032x600/5e946196e4/64b7fcf4cee3fb8d4277bb9d_blog-using-ai-to-automate-your-procurement-process-website.webp",{"alt":4233,"title":4233,"source":8,"copyright":8},"Utiliser l'IA pour automatiser votre processus d'approvisionnement",[],[],{"type":51,"content":4431},[4432],{"type":54,"attrs":4433,"content":4434},{"textAlign":65},[4435],{"text":4436,"type":69},"Dans le paysage commercial actuel, en évolution rapide, les entreprises s'efforcent d'assurer des processus d'approvisionnement et de facturation fluides et sans erreur. Un véritable changement de paradigme réside dans l'utilisation accrue de l'intelligence artificielle (IA). ",[2047,3043],"Dans le paysage commercial actuel, les entreprises s'efforcent d'avoir des processus d'approvisionnement et de facturation sans faille et sans erreur. Un élément clé est l'utilisation croissante de l'intelligence artificielle (IA). ",[],"using-ai-to-automate-your-procurement-process","fr/resources/blog/using-ai-to-automate-your-procurement-process","2023-07-19",-1710,[],"017cb5ec-b699-4017-bbf0-686f1265c3b4","2023-07-19T14:11:00.000Z",[],"resources/blog/using-ai-to-automate-your-procurement-process",[4450,4451,4452],{"path":4448,"name":65,"lang":522,"published":65},{"path":4448,"name":65,"lang":515,"published":65},{"path":4453,"name":4454,"lang":527,"published":56},"informationen/blog/ki-gestuetzte-automatisierung-ihrer-beschaffungsprozesse","KI-gestützte Automatisierung Ihrer Beschaffungsprozesse",[],{"type":51,"content":4457},[4458],{"type":54},{"id":4460,"alt":3591,"name":8,"focus":8,"title":3591,"source":8,"filename":4461,"copyright":8,"fieldtype":15,"meta_data":4462,"is_external_url":17},91455556948080,"https://a.storyblok.com/f/318078/1032x601/17f751864d/64414ce8f637e2311b5d78da_blog-luxembourg-update-sept-2022_website.jpg",{"alt":3591,"title":3591,"source":8,"copyright":8},[],[],{"type":51,"content":4466},[4467],{"type":54,"attrs":4468,"content":4469},{"textAlign":65},[4470],{"text":4471,"type":69},"Le 1er juillet 2022, toutes les entreprises luxembourgeoises seront légalement tenues de passer progressivement à la facturation électronique et d’émettre des factures structurées.",[2047,3049,3053],"Le 1er juillet 2022, toutes les entreprises luxembourgeoises seront légalement tenues de passer progressivement à la facturation électronique et d'émettre des factures structurées.",[4475],"Luxembourg","mandatory-electronic-invoicing-are-luxembourg-s-micro-enterprises-smes-ready-","fr/resources/blog/mandatory-electronic-invoicing-are-luxembourg-s-micro-enterprises-smes-ready-","2021-10-26",-2090,[],"203bbb9c-0840-4791-95a5-67ee6e1b113e","2021-10-26T13:14:00.000Z",[],"resources/blog/mandatory-electronic-invoicing-are-luxembourg-s-micro-enterprises-smes-ready-",[4486,4487,4488],{"path":4484,"name":65,"lang":522,"published":65},{"path":4484,"name":65,"lang":515,"published":65},{"path":4489,"name":4490,"lang":527,"published":56},"informationen/blog/e-rechnungspflicht-sind-luxemburgs-kleinstunternehmen-und-kmu-bereit","E-Rechnungspflicht: Sind Luxemburgs Kleinstunternehmen und KMU bereit?",{"name":4492,"created_at":4493,"published_at":4494,"updated_at":4495,"id":4496,"uuid":4497,"content":4498,"slug":4651,"full_slug":4652,"sort_by_date":4653,"position":4654,"tag_list":4655,"is_startpage":17,"parent_id":2059,"meta_data":65,"group_id":4656,"first_published_at":4657,"release_id":65,"lang":515,"path":65,"alternates":4658,"default_full_slug":4659,"translated_slugs":4660,"_stopResolving":56},"Banqup Group raised €20,000 for WWF","2025-09-16T10:04:39.259Z","2026-07-24T13:07:20.441Z","2026-07-24T13:07:20.469Z",91453355069815,"6d82ddfd-b3c9-4c0d-b75e-a2db5b157db9",{"seo":4499,"_uid":4503,"body":4504,"image":4634,"theme":8,"title":4512,"author":4639,"related":4640,"summary":4641,"category":4648,"component":2049,"createdOn":8,"description":4649,"relatedCountries":4650,"transparentNavigation":17,"excludeFromRelatedList":17},{"_uid":4500,"title":4501,"plugin":34,"description":4502},"10fbe053-a9f8-43ae-9cd3-158e46ea22c0","€20,000 for WWF | Blog - Banqup","At Banqup Group, we completed our walking challenge and pledged to donate EUR 20,000 to WWF. Read about our adventure here.","5cfecd92-5937-40e4-8057-e1c75a692864",[4505,4516,4625],{"_uid":4506,"align":8,"image":4507,"theme":49,"buttons":4511,"columns":644,"heading":4512,"padding":1383,"tagline":8,"component":1384,"variation":1385,"background":49,"headingTag":1386,"description":4513,"invertTextColor":56},"f0006ab1-62ed-4b14-a27e-136b9ffe31bd",{"id":4508,"alt":8,"name":8,"focus":8,"title":8,"source":8,"filename":4509,"copyright":8,"fieldtype":15,"meta_data":4510,"is_external_url":17},94995136215815,"https://a.storyblok.com/f/318078/1925x510/ad064a0e4e/unifiedpost-group-raised-20-000-for-wwf.png",{},[],"Le groupe Banqup a collecté 20 000 € pour le WWF.",{"type":51,"content":4514},[4515],{"type":54},{"_uid":4517,"text":4518,"component":506,"background":49},"95c2f864-2042-4642-bfc3-4086f1135595",{"type":51,"content":4519},[4520,4525,4530,4535,4547,4549,4554,4559,4564,4569,4574,4590,4592,4597,4602,4613,4615,4620],{"type":54,"attrs":4521,"content":4522},{"textAlign":65},[4523],{"text":4524,"type":69},"En tant qu'employeur, nous avons rencontré de nouveaux défis l'année dernière. Non seulement les gens travaillaient de chez eux en raison de la COVID, mais Banqup a également doublé son effectif pour atteindre plus de 1 300 équivalents temps plein, nous avons donc accueilli (virtuellement) de nombreuses nouvelles personnes au sein de notre organisation.",{"type":54,"attrs":4526,"content":4527},{"textAlign":65},[4528],{"text":4529,"type":69},"Comme nous souhaitons maximiser l'impact que nous avons avec le Groupe Banqup sur notre capital humain et l'environnement social dans lequel nous vivons, la direction a décidé de lancer un défi à tous les employés.",{"type":54,"attrs":4531,"content":4532},{"textAlign":65},[4533],{"text":4534,"type":69},"Le but était de motiver nos employés à être actifs (faire du sport, sortir...) pour améliorer leur santé mentale, faire quelque chose de bien pour l'environnement et le climat, et unir les employés nouvellement fusionnés en \"One Banqup\". Quoi de mieux que de lier cela à un objectif commun à travers tous les pays.",{"type":54,"attrs":4536,"content":4537},{"textAlign":65},[4538,4540,4545],{"text":4539,"type":69},"Nos employés, qui travaillent dans 30 pays différents à travers le monde, ont relevé ensemble le défi : faire le tour du monde une fois, soit les 40 000 km. Nous avons atteint cet objectif en trois mois. ",{"text":3896,"type":69,"marks":4541},[4542],{"type":106,"attrs":4543},{"href":3529,"uuid":1876,"anchor":65,"custom":4544,"target":111,"linktype":112},{},{"text":4546,"type":69}," a décidé de faire un don de 20 000 € au WWF.",{"type":54,"attrs":4548},{"textAlign":65},{"type":62,"attrs":4550,"content":4551},{"level":64,"textAlign":65},[4552],{"text":4553,"type":69},"Soutenez la mission du WWF pour un monde meilleur, plus vert et plus sain.",{"type":54,"attrs":4555,"content":4556},{"textAlign":65},[4557],{"text":4558,"type":69},"À côté de l'impact social du Groupe Banqup, il est également dans notre ADN - et notre cœur de métier - de nous soucier de l'environnement, de sa protection et de sa préservation.",{"type":54,"attrs":4560,"content":4561},{"textAlign":65},[4562],{"text":4563,"type":69},"Le WWF se concentre sur la conservation de la nature et la réduction des menaces les plus pressantes pesant sur la diversité de la vie sur Terre. Cela comprend des projets liés au climat (un monde sans carbone, l'eau douce, la faune, les forêts, les océans) et soutient des systèmes alimentaires durables pour nourrir l'humanité.",{"type":54,"attrs":4565,"content":4566},{"textAlign":65},[4567],{"text":4568,"type":69},"Attention aux personnes et à la planète, pas seulement au profit.",{"type":54,"attrs":4570,"content":4571},{"textAlign":65},[4572],{"text":4573,"type":69},"Avec notre don, nous avons soutenu deux projets spécifiques :",{"type":92,"content":4575},[4576,4583],{"type":95,"content":4577},[4578],{"type":54,"attrs":4579,"content":4580},{"textAlign":65},[4581],{"text":4582,"type":69},"Protégez l'habitat du tigre à travers les frontières de la Thaïlande et du Myanmar.",{"type":95,"content":4584},[4585],{"type":54,"attrs":4586,"content":4587},{"textAlign":65},[4588],{"text":4589,"type":69},"Le cœur vert de l'Europe",{"type":54,"attrs":4591},{"textAlign":65},{"type":62,"attrs":4593,"content":4594},{"level":64,"textAlign":65},[4595],{"text":4596,"type":69},"Se promener autour du monde",{"type":54,"attrs":4598,"content":4599},{"textAlign":65},[4600],{"text":4601,"type":69},"On pourrait dire que c'était un but très sportif et que tout le monde n'aime pas faire du sport. Mais il y avait une grande variété d'activités disponibles, donc il y en avait pour tous les goûts. Chaque participant pouvait se fixer un objectif individuel pour se motiver à atteindre ce but.",{"type":54,"attrs":4603,"content":4604},{"textAlign":65},[4605,4607,4611],{"text":4606,"type":69},"Que ce soit en faisant du jogging, en méditant ou en tondant la pelouse - à chaque mètre parcouru ou nagé, à chaque seconde passée à jardiner, à faire de l'exercice ou du yoga, nos employés ont collecté de l'argent ensemble pour le WWF et ont ainsi contribué à atteindre l'objectif global. Le mot d'ordre du défi était \"",{"text":4608,"type":69,"marks":4609},"Un esprit sain dans un corps sain : prenez soin de votre santé physique et mentale",[4610],{"type":1443},{"text":4612,"type":69},"\".",{"type":54,"attrs":4614},{"textAlign":65},{"type":62,"attrs":4616,"content":4617},{"level":64,"textAlign":65},[4618],{"text":4619,"type":69},"Encourager les collègues",{"type":54,"attrs":4621,"content":4622},{"textAlign":65},[4623],{"text":4624,"type":69},"En plus des défis sportifs, il était également important pour nous que le plaisir ne soit pas négligé et que nous puissions nous motiver mutuellement en tant qu'équipe. Pour cette raison, nous avons utilisé une application où nous avons non seulement saisi nos progrès (quotidiens), mais nous pouvions également télécharger et partager des photos : faire du kayak en Lituanie, jouer au golf à Singapour, courir sur la plage en Estonie, faire du vélo en Belgique, faire de la randonnée en Roumanie ou jardiner à la maison. Tout le monde était en réseau les uns avec les autres et avait un aperçu de la façon dont nous nous en sortions tous.",{"_uid":4626,"cards":4627,"buttons":4630,"heading":1580,"tagline":8,"component":1581,"background":49,"description":4631},"86d9fe52-722f-4539-911f-2778912050e2",[4628,4629,3828,3551],"e63aa8f6-720b-4b55-a6a3-a43049210065","1545c7f6-a0f7-4257-912f-8bbba585aec6",[],{"type":51,"content":4632},[4633],{"type":54},{"id":4635,"alt":4636,"name":8,"focus":8,"title":4636,"source":8,"filename":4637,"copyright":8,"fieldtype":15,"meta_data":4638,"is_external_url":17},91453522444263,"Banqup Group (former Unifiedpost Group) raised €20,000 for WWF","https://a.storyblok.com/f/318078/1032x600/93f93693d1/6448d30170f2b5a05bb3235b_blog-unifiedpost-group-raised-eur-20000-for-wwf.jpg",{"alt":4636,"title":4636,"source":8,"copyright":8},[],[],{"type":51,"content":4642},[4643],{"type":54,"attrs":4644,"content":4645},{"textAlign":65},[4646],{"text":4647,"type":69},"Nous nous sommes lancé un défi actif pour aider à collecter des fonds pour le WWF. Découvrez les détails de notre défi et à quel point nous avons réussi.",[1594,1595],"Nous nous sommes lancé un défi actif pour aider à collecter des fonds pour le WWF. Découvrez les détails de notre défi et nos résultats.",[2053],"banqup-group-raised-euro20-000-for-wwf","fr/resources/blog/banqup-group-raised-euro20-000-for-wwf","2021-10-15",-2070,[],"16fc0a5a-4009-40d6-b3b8-287a17f655bf","2021-10-15T13:05:00.000Z",[],"resources/blog/banqup-group-raised-euro20-000-for-wwf",[4661,4662,4663],{"path":4659,"name":65,"lang":522,"published":65},{"path":4659,"name":65,"lang":515,"published":65},{"path":4664,"name":4665,"lang":527,"published":56},"informationen/blog/die-banqup-group-sammelt-20-000euro-fuer-den-wwf","Die Banqup Group sammelt 20.000€ für den WWF",{"name":4667,"created_at":4668,"published_at":4669,"updated_at":4670,"id":4671,"uuid":4672,"content":4673,"slug":4766,"full_slug":4767,"sort_by_date":4768,"position":4769,"tag_list":4770,"is_startpage":17,"parent_id":2059,"meta_data":65,"group_id":4771,"first_published_at":4772,"release_id":65,"lang":515,"path":65,"alternates":4773,"default_full_slug":4774,"translated_slugs":4775,"_stopResolving":56},"Winner Data News award for excellence - Belgian scaleup of the year!","2025-09-16T09:56:23.574Z","2026-07-24T13:07:53.346Z","2026-07-24T13:07:53.366Z",91451324755907,"711e469e-14ea-4498-86e4-038eb4e6146e",{"seo":4674,"_uid":4678,"body":4679,"image":4750,"theme":8,"title":4687,"author":4754,"related":4755,"summary":4756,"category":4763,"component":2049,"createdOn":8,"description":4764,"relatedCountries":4765,"transparentNavigation":17,"excludeFromRelatedList":17},{"_uid":4675,"title":4676,"plugin":34,"description":4677},"0b0b7359-7e6a-4634-bc30-eac4caec1bc2","We Won Belgian Scaleup of the Year! | Blog - Banqup","Winner Data News Award for Excellence - Belgian Scaleup of the Year! Explore the details here.","6445d465-2129-41e5-a387-79f7c75f5437",[4680,4691,4741],{"_uid":4681,"align":8,"image":4682,"theme":49,"buttons":4686,"columns":644,"heading":4687,"padding":1383,"tagline":8,"component":1384,"variation":1385,"background":49,"headingTag":1386,"description":4688,"invertTextColor":56},"9c1c4da0-7fab-4fca-aa4b-199361b2c58d",{"id":4683,"alt":8,"name":8,"focus":8,"title":8,"source":8,"filename":4684,"copyright":8,"fieldtype":15,"meta_data":4685,"is_external_url":17},94994853202662,"https://a.storyblok.com/f/318078/1925x510/ca63ba7329/winner-data-news-award-for-excellence-belgian-scaleup-of-the-year.png",{},[],"Gagnant du prix Data News pour l'excellence - Scale-up belge de l'année !",{"type":51,"content":4689},[4690],{"type":54},{"_uid":4692,"text":4693,"component":506,"background":49},"9a78740d-1c8d-481e-94b3-356f9d7d874f",{"type":51,"content":4694},[4695,4700,4705,4715,4720],{"type":54,"attrs":4696,"content":4697},{"textAlign":65},[4698],{"text":4699,"type":69},"Jeudi soir, les Data News Awards for Excellence ont eu lieu.",{"type":54,"attrs":4701,"content":4702},{"textAlign":65},[4703],{"text":4704,"type":69},"Les Data News Awards récompensent les entreprises, les produits et les individus de 14 catégories importantes du secteur des TIC. Parmi quelques centaines de nominations, les lecteurs de Data News ont établi la liste restreinte pour les Awards. Un jury a choisi les gagnants finaux parmi cette liste.",{"type":54,"attrs":4706,"content":4707},{"textAlign":65},[4708,4713],{"text":3896,"type":69,"marks":4709},[4710],{"type":106,"attrs":4711},{"href":3529,"uuid":1876,"anchor":65,"custom":4712,"target":111,"linktype":112},{},{"text":4714,"type":69}," a remporté le prix de la catégorie 'Entreprise Scaleup Belge de l'année' !",{"type":54,"attrs":4716,"content":4717},{"textAlign":65},[4718],{"text":4719,"type":69},"Le jury reconnaît que 2020 a été l'année de Banqup : levées de fonds, acquisitions et une introduction en bourse ! Ils ont également apprécié le fait que nous créons de la valeur chaque jour avec notre développement de produit, par exemple en automatisant les processus financiers.",{"type":1427,"content":4721},[4722],{"type":54,"attrs":4723,"content":4724},{"textAlign":65},[4725,4729,4731,4737],{"text":4726,"type":69,"marks":4727},"\"Très reconnaissant et fier de cette grande reconnaissance pour le parcours de croissance intense de notre entreprise et le travail acharné de tous.\"",[4728],{"type":1443},{"text":4730,"type":69}," ",{"text":4732,"type":69,"marks":4733},"Nicolas de Beco",[4734,4736],{"type":1401,"attrs":4735},{"color":8},{"type":72},{"text":4738,"type":69,"marks":4739},", ancien PDG de Banqup Group.",[4740],{"type":72},{"_uid":4742,"cards":4743,"buttons":4746,"heading":1580,"tagline":8,"component":1581,"background":49,"description":4747},"bf9f017b-2e6c-458a-a419-c7e17e565937",[4744,4628,4629,4745],"9cc9ab5b-7278-452d-a9cc-0341b1df88eb","3744e4b8-788a-464c-85c2-bfe93856231c",[],{"type":51,"content":4748},[4749],{"type":54},{"id":4751,"alt":4667,"name":8,"focus":8,"title":4667,"source":8,"filename":4752,"copyright":8,"fieldtype":15,"meta_data":4753,"is_external_url":17},91451563966217,"https://a.storyblok.com/f/318078/1032x600/9f7c2bb9c7/6448d5e75a1c6cc781cfbeec_blog-winner-data-news-award-for-excellence.jpg",{"alt":4667,"title":4667,"source":8,"copyright":8},[],[],{"type":51,"content":4757},[4758],{"type":54,"attrs":4759,"content":4760},{"textAlign":65},[4761],{"text":4762,"type":69},"« Très reconnaissant et fier de cette grande reconnaissance pour le parcours de croissance intense de notre entreprise et le travail acharné de chacun. » Hans Leybaert, ancien PDG du groupe Banqup.",[1594,1595],"\"Très reconnaissant et fier de cette grande reconnaissance pour le parcours de croissance intense de notre entreprise et le travail acharné de tous.\" Hans Leybaert, ancien PDG de Banqup Group.",[2053],"winner-data-news-award-for-excellence-belgian-scaleup-of-the-year-","fr/resources/blog/winner-data-news-award-for-excellence-belgian-scaleup-of-the-year-","2021-09-23",-2050,[],"e5dcc633-3db3-476e-9c55-1d896bd86fa3","2021-09-23T12:57:00.000Z",[],"resources/blog/winner-data-news-award-for-excellence-belgian-scaleup-of-the-year-",[4776,4777,4778],{"path":4774,"name":65,"lang":522,"published":65},{"path":4774,"name":65,"lang":515,"published":65},{"path":4779,"name":4780,"lang":527,"published":56},"informationen/blog/gewinner-des-data-news-award-for-excellence-belgisches-scale-up-des-jahres-","Gewinner des Data News Award for Excellence – Belgisches Scale-up des Jahres!",[],{"type":51,"content":4783},[4784],{"type":54},{"id":4786,"alt":3297,"name":8,"focus":8,"title":3297,"source":8,"filename":4787,"copyright":8,"fieldtype":15,"meta_data":4788,"is_external_url":17},91460513472874,"https://a.storyblok.com/f/318078/640x320/18ef08114e/643ea0e007622262ace50e23_march-2022-news-andrus_kaarelson_0337-640x320px.jpeg",{"alt":3297,"title":3297,"source":8,"copyright":8},[],[],{"type":51,"content":4792},[4793],{"type":54,"attrs":4794,"content":4795},{"textAlign":65},[4796],{"text":4797,"type":69},"Un entretien avec Andrus Kaarelson, PDG de Banqup Estonie, qui aborde le rôle des factures électroniques dans le secteur privé.",[2047,3049,3053],"Un entretien avec Andrus Kaarelson, PDG de Banqup Estonie, discutant du rôle des factures électroniques dans le secteur privé.",[4801],"Estonia","let-s-transfer-the-estonian-private-sector-to-e-invoices-in-three-years","fr/resources/blog/let-s-transfer-the-estonian-private-sector-to-e-invoices-in-three-years","2022-03-22",-2150,[4807],"Rebranding","1eca9c3d-9f52-459d-82b5-a456171c78cb","2022-03-22T13:34:00.000Z",[],"resources/blog/let-s-transfer-the-estonian-private-sector-to-e-invoices-in-three-years",[4813,4814,4815],{"path":4811,"name":65,"lang":522,"published":65},{"path":4811,"name":65,"lang":515,"published":65},{"path":4816,"name":4817,"lang":527,"published":56},"informationen/blog/estlands-privatsektor-in-drei-jahren-zur-flaechendeckenden-e-rechnung","Estlands Privatsektor: In drei Jahren zur flächendeckenden E-Rechnung","99358888-1f21-4da8-9459-85e28a2d354c",{"name":4820,"created_at":4821,"published_at":4822,"updated_at":4823,"id":4824,"uuid":4825,"content":4826,"slug":5791,"full_slug":5792,"sort_by_date":5793,"position":5794,"tag_list":5795,"is_startpage":17,"parent_id":2059,"meta_data":65,"group_id":5796,"first_published_at":5797,"release_id":65,"lang":515,"path":65,"alternates":5798,"default_full_slug":5799,"translated_slugs":5800,"_stopResolving":56},"Why is bank independency important?","2025-09-16T10:28:03.304Z","2026-07-24T13:05:49.589Z","2026-07-24T13:05:49.613Z",91459106050291,"19a3db9f-0cdc-41a8-bd56-884c6bc903df",{"seo":4827,"_uid":4831,"body":4832,"image":5775,"theme":8,"title":4840,"author":5779,"related":5780,"summary":5781,"category":5788,"component":2049,"createdOn":8,"description":5789,"relatedCountries":5790,"transparentNavigation":17,"excludeFromRelatedList":17},{"_uid":4828,"title":4829,"plugin":34,"description":4830},"dc830437-d9fd-4f2c-97e5-d4902ea33811","Why is Bank Independency Important? | Blog - Banqup","As financial technologies develop, bank independency is something more and more companies adopt. Discover the importance here.","43c0dc50-81df-4f41-aedd-2c5b9933df3d",[4833,4844,4908],{"_uid":4834,"align":8,"image":4835,"theme":49,"buttons":4839,"columns":644,"heading":4840,"padding":1383,"tagline":8,"component":1384,"variation":1385,"background":49,"headingTag":1386,"description":4841,"invertTextColor":56},"921e28f6-5abb-471d-be0b-617d16498557",{"id":4836,"alt":8,"name":8,"focus":8,"title":8,"source":8,"filename":4837,"copyright":8,"fieldtype":15,"meta_data":4838,"is_external_url":17},94996741192651,"https://a.storyblok.com/f/318078/1925x510/294acbb1d8/why-is-bank-independency-important.png",{},[],"Pourquoi l'indépendance des banques est-elle importante ?",{"type":51,"content":4842},[4843],{"type":54},{"_uid":4845,"text":4846,"component":506,"background":49},"1e90ab6d-c4fe-4ba1-a7dc-49b1ffd26f09",{"type":51,"content":4847},[4848,4853,4858,4860,4865,4870,4875,4877,4882,4887,4893,4898,4903],{"type":54,"attrs":4849,"content":4850},{"textAlign":65},[4851],{"text":4852,"type":69},"Qu'est-ce que l'indépendance bancaire et pourquoi est-elle importante ? Nous examinons ce que signifie l'indépendance bancaire en termes de flux financiers et pourquoi les entreprises devraient en tenir compte.",{"type":54,"attrs":4854,"content":4855},{"textAlign":65},[4856],{"text":4857,"type":69},"À mesure que les technologies financières se développent, l'indépendance bancaire est quelque chose que de plus en plus d'entreprises adoptent. L'indépendance bancaire signifie non seulement que les flux financiers sont gérés en ligne et nécessitent moins d'interventions manuelles (traitement automatisé), mais aussi le fait de ne pas avoir à dépendre des services fournis par la banque où le compte est détenu est également important lorsqu'il s'agit d'indépendance bancaire. Quelques éléments mentionnés ci-dessous soulignent l'importance d'être, ou de devenir, indépendant(e) vis-à-vis des banques.",{"type":54,"attrs":4859},{"textAlign":65},{"type":62,"attrs":4861,"content":4862},{"level":64,"textAlign":65},[4863],{"text":4864,"type":69},"Le paysage changeant",{"type":54,"attrs":4866,"content":4867},{"textAlign":65},[4868],{"text":4869,"type":69},"Depuis la crise économique, le paysage bancaire est devenu un environnement plus dynamique. En plus des banques faisant faillite, nous avons également vu des banques se retirer de certaines zones géographiques ou secteurs d'activité. Cela a donné des maux de tête aux directeurs financiers du secteur des entreprises qui ont dû trouver une autre banque et \"déplacer\" leurs activités. Un bon exemple d'un changement (soudain) du paysage financier est le Brexit. Sans savoir ce que le Brexit apportera dans cette perspective, une chose que nous savons est que le changement du paysage bancaire est là pour rester.",{"type":54,"attrs":4871,"content":4872},{"textAlign":65},[4873],{"text":4874,"type":69},"Lorsque l'utilisation d'outils, de produits ou d'instruments indépendants des banques ne résout pas le problème de trouver une autre banque, cela évite cependant de devoir démarrer un projet long et fastidieux pour changer les applications utilisées dans les différents processus financiers. L'indépendance vis-à-vis des banques deviendra de plus en plus courante à mesure que le paysage bancaire continue d'évoluer.",{"type":54,"attrs":4876},{"textAlign":65},{"type":62,"attrs":4878,"content":4879},{"level":64,"textAlign":65},[4880],{"text":4881,"type":69},"Formats et interfaces",{"type":54,"attrs":4883,"content":4884},{"textAlign":65},[4885],{"text":4886,"type":69},"Une autre bonne raison d'utiliser des solutions indépendantes des banques est de ne pas se retrouver dans une situation d'enfermement, notamment en ce qui concerne les formats de fichiers et les interfaces. Alors que les formats locaux ou les interfaces propriétaires peuvent présenter des avantages, ils sont susceptibles d'être modifiés voire remplacés par la banque proposant le service. Récemment, une banque a décidé de supprimer un format de reporting propriétaire. Bien qu'une alternative ait été proposée et que les clients aient eu une période raisonnable pour migrer, beaucoup d'entre eux ont été confrontés à des changements majeurs dans leurs applications métier, nombre d'entre elles étant des systèmes hérités.",{"type":54,"attrs":4888,"content":4889},{"textAlign":65},[4890,4892],{"text":4891,"type":69},"Encore une fois, dans ce cas, l'utilisation d'une solution bancaire indépendante n'empêchera pas le changement, mais une bonne solution ou un bon outil bancaire indépendant offrira la flexibilité nécessaire pour gérer ce type de changement en dehors du domaine informatique de l'entreprise. Il s'agit toujours d'un projet, mais avec moins d'impact sur l'organisation. En utilisant des instruments entièrement indépendants des banques (par exemple, MT101), le nombre de changements est limité au strict minimum et en cas de conformité, cela sera toujours pris en charge par le fournisseur dans le cadre de son service.",{"type":79},{"type":62,"attrs":4894,"content":4895},{"level":64,"textAlign":65},[4896],{"text":4897,"type":69},"Économies de coûts",{"type":54,"attrs":4899,"content":4900},{"textAlign":65},[4901],{"text":4902,"type":69},"Enfin, une solution bancaire indépendante permettra d'économiser des coûts. Bien sûr, il y a une considération d'investissement concernant une solution bancaire indépendante, mais en examinant le cas commercial, les avantages de ne pas avoir à gérer les changements dus à la conformité ou aux évolutions technologiques créeront dans la plupart des cas un point mort quelque part dans la deuxième année.",{"type":54,"attrs":4904,"content":4905},{"textAlign":65},[4906],{"text":4907,"type":69},"Des études de cas récentes de clients ont même montré une diminution significative des coûts dès la première année simplement en ne modifiant pas leur production à partir de leurs applications créant des instructions de paiement lors de l'expansion de leur entreprise vers d'autres régions en utilisant de nouvelles banques locales. En soi, ce n'est pas un mauvais investissement, même en laissant de côté les avantages non qualifiés de l'indépendance bancaire.",{"_uid":4909,"cards":4910,"buttons":5771,"heading":1580,"tagline":8,"component":1581,"background":49,"description":5772},"4e394059-1dfe-4a81-9522-8f86819bc634",[4911,4744,5035,5299,5463],{"name":4492,"created_at":4493,"published_at":4494,"updated_at":4495,"id":4496,"uuid":4497,"content":4912,"slug":4651,"full_slug":4652,"sort_by_date":4653,"position":4654,"tag_list":5029,"is_startpage":17,"parent_id":2059,"meta_data":65,"group_id":4656,"first_published_at":4657,"release_id":65,"lang":515,"path":65,"alternates":5030,"default_full_slug":4659,"translated_slugs":5031,"_stopResolving":56},{"seo":4913,"_uid":4503,"body":4914,"image":5017,"theme":8,"title":4512,"author":5019,"related":5020,"summary":5021,"category":5027,"component":2049,"createdOn":8,"description":4649,"relatedCountries":5028,"transparentNavigation":17,"excludeFromRelatedList":17},{"_uid":4500,"title":4501,"plugin":34,"description":4502},[4915,4922,5011],{"_uid":4506,"align":8,"image":4916,"theme":49,"buttons":4918,"columns":644,"heading":4512,"padding":1383,"tagline":8,"component":1384,"variation":1385,"background":49,"headingTag":1386,"description":4919,"invertTextColor":56},{"id":4508,"alt":8,"name":8,"focus":8,"title":8,"source":8,"filename":4509,"copyright":8,"fieldtype":15,"meta_data":4917,"is_external_url":17},{},[],{"type":51,"content":4920},[4921],{"type":54},{"_uid":4517,"text":4923,"component":506,"background":49},{"type":51,"content":4924},[4925,4929,4933,4937,4947,4949,4953,4957,4961,4965,4969,4983,4985,4989,4993,5001,5003,5007],{"type":54,"attrs":4926,"content":4927},{"textAlign":65},[4928],{"text":4524,"type":69},{"type":54,"attrs":4930,"content":4931},{"textAlign":65},[4932],{"text":4529,"type":69},{"type":54,"attrs":4934,"content":4935},{"textAlign":65},[4936],{"text":4534,"type":69},{"type":54,"attrs":4938,"content":4939},{"textAlign":65},[4940,4941,4946],{"text":4539,"type":69},{"text":3896,"type":69,"marks":4942},[4943],{"type":106,"attrs":4944},{"href":3529,"uuid":1876,"anchor":65,"custom":4945,"target":111,"linktype":112},{},{"text":4546,"type":69},{"type":54,"attrs":4948},{"textAlign":65},{"type":62,"attrs":4950,"content":4951},{"level":64,"textAlign":65},[4952],{"text":4553,"type":69},{"type":54,"attrs":4954,"content":4955},{"textAlign":65},[4956],{"text":4558,"type":69},{"type":54,"attrs":4958,"content":4959},{"textAlign":65},[4960],{"text":4563,"type":69},{"type":54,"attrs":4962,"content":4963},{"textAlign":65},[4964],{"text":4568,"type":69},{"type":54,"attrs":4966,"content":4967},{"textAlign":65},[4968],{"text":4573,"type":69},{"type":92,"content":4970},[4971,4977],{"type":95,"content":4972},[4973],{"type":54,"attrs":4974,"content":4975},{"textAlign":65},[4976],{"text":4582,"type":69},{"type":95,"content":4978},[4979],{"type":54,"attrs":4980,"content":4981},{"textAlign":65},[4982],{"text":4589,"type":69},{"type":54,"attrs":4984},{"textAlign":65},{"type":62,"attrs":4986,"content":4987},{"level":64,"textAlign":65},[4988],{"text":4596,"type":69},{"type":54,"attrs":4990,"content":4991},{"textAlign":65},[4992],{"text":4601,"type":69},{"type":54,"attrs":4994,"content":4995},{"textAlign":65},[4996,4997,5000],{"text":4606,"type":69},{"text":4608,"type":69,"marks":4998},[4999],{"type":1443},{"text":4612,"type":69},{"type":54,"attrs":5002},{"textAlign":65},{"type":62,"attrs":5004,"content":5005},{"level":64,"textAlign":65},[5006],{"text":4619,"type":69},{"type":54,"attrs":5008,"content":5009},{"textAlign":65},[5010],{"text":4624,"type":69},{"_uid":4626,"cards":5012,"buttons":5013,"heading":1580,"tagline":8,"component":1581,"background":49,"description":5014},[4628,4629,3828,3551],[],{"type":51,"content":5015},[5016],{"type":54},{"id":4635,"alt":4636,"name":8,"focus":8,"title":4636,"source":8,"filename":4637,"copyright":8,"fieldtype":15,"meta_data":5018,"is_external_url":17},{"alt":4636,"title":4636,"source":8,"copyright":8},[],[],{"type":51,"content":5022},[5023],{"type":54,"attrs":5024,"content":5025},{"textAlign":65},[5026],{"text":4647,"type":69},[1594,1595],[2053],[],[],[5032,5033,5034],{"path":4659,"name":65,"lang":522,"published":65},{"path":4659,"name":65,"lang":515,"published":65},{"path":4664,"name":4665,"lang":527,"published":56},{"name":5036,"created_at":5037,"published_at":5038,"updated_at":5039,"id":5040,"uuid":5041,"content":5042,"slug":5284,"full_slug":5285,"sort_by_date":5286,"position":5287,"tag_list":5288,"is_startpage":17,"parent_id":2059,"meta_data":65,"group_id":5289,"first_published_at":5290,"release_id":65,"lang":515,"path":65,"alternates":5291,"default_full_slug":5292,"translated_slugs":5293,"_stopResolving":56},"e-Estonia: How Estonia became one of the most digital countries in the world","2025-09-15T12:51:06.987Z","2026-07-24T14:45:18.541Z","2026-07-24T14:45:18.575Z",91140370423038,"39713446-e75e-4ea4-bcd3-a0e638a89730",{"seo":5043,"_uid":5047,"body":5048,"image":5267,"theme":8,"title":5056,"author":5271,"related":5273,"summary":5274,"category":5281,"component":2049,"createdOn":8,"description":5282,"relatedCountries":5283,"transparentNavigation":17,"excludeFromRelatedList":17},{"_uid":5044,"title":5045,"plugin":34,"description":5046},"901f4e5d-1221-42de-ae09-a844cd106020","Is Estonia The Most Digital Country? | Blog - Banqup","How did Estonia become the most digital country in the world? Learn more with Banqup Estonia’s Country Manager, Andrus Kaarelson.","6b880702-1189-4870-9bf1-fa7fe009d6a1",[5049,5060,5258],{"_uid":5050,"align":8,"image":5051,"theme":49,"buttons":5055,"columns":644,"heading":5056,"padding":1383,"tagline":8,"component":1384,"variation":1385,"background":49,"headingTag":1386,"description":5057,"invertTextColor":56},"31df29d8-75bf-40ff-be25-9e3265955179",{"id":5052,"alt":8,"name":8,"focus":8,"title":8,"source":8,"filename":5053,"copyright":8,"fieldtype":15,"meta_data":5054,"is_external_url":17},94985031874016,"https://a.storyblok.com/f/318078/1925x510/d10245cb70/a-new-journey-for-unifiedpost-estonia-and-the-itl-estonian-ict-cluster.png",{},[],"e-Estonie : Comment l'Estonie est devenue l'un des pays les plus numériques au monde",{"type":51,"content":5058},[5059],{"type":54},{"_uid":5061,"text":5062,"component":506,"background":49},"3daf6bf5-5e07-4db1-9f84-cabac44bfed5",{"type":51,"content":5063},[5064,5069,5074,5079,5081,5086,5097,5110,5115,5120,5125,5130,5135,5137,5142,5147,5152,5154,5159,5164,5169,5174,5176,5181,5194,5199,5204,5209,5211,5216,5221,5226,5231,5236,5241,5243,5248,5253],{"type":54,"attrs":5065,"content":5066},{"textAlign":65},[5067],{"text":5068,"type":69},"Comment l'Estonie est-elle devenue le pays le plus numérique au monde ? Nous avons parlé à Andrus Kaarelson, directeur pays de Banqup Estonie, pour en savoir plus sur le paysage numérique de l'Estonie et pourquoi le pays a été si rapide à s'adapter aux processus numériques.",{"type":54,"attrs":5070,"content":5071},{"textAlign":65},[5072],{"text":5073,"type":69},"e-Estonia, un nom créé par le pays lui-même en raison de son utilisation étendue des technologies numériques. Mais comment l'Estonie, un pays européen de seulement 1,3 million d'habitants, est-elle devenue un tel adepte du numérique ?",{"type":54,"attrs":5075,"content":5076},{"textAlign":65},[5077],{"text":5078,"type":69},"Nous avons parlé avec Andrus Kaarelson, directeur de pays de Banqup Estonie, pour en savoir plus. Avec plus de 25 ans d'expérience en matière de facturation numérique et électronique, Andrus en sait long sur l'adoption numérique de l'Estonie. Lisez la suite et découvrez les initiatives numériques du secteur public estonien et pourquoi le secteur privé n'a pas suivi le même rythme.",{"type":54,"attrs":5080},{"textAlign":65},{"type":62,"attrs":5082,"content":5083},{"level":64,"textAlign":65},[5084],{"text":5085,"type":69},"e-Estonie : Où tout a-t-il commencé ?",{"type":54,"attrs":5087,"content":5088},{"textAlign":65},[5089,5091,5095],{"text":5090,"type":69},"Andrus répond, ",{"text":5092,"type":69,"marks":5093},"Au milieu des années 90, seulement cinq ans après notre récente indépendance.",[5094],{"type":1443},{"text":5096,"type":69},"Suite à la ré-indépendance de l'Estonie, le pays disposait de ressources et d'un budget limités. L'Estonie n'avait d'autre choix que de créer des initiatives du secteur public efficaces et impactantes.",{"type":54,"attrs":5098,"content":5099},{"textAlign":65},[5100,5102,5108],{"text":5101,"type":69},"L'une des premières initiatives gouvernementales a été le programme Tiigrihüpe (Tiger Leap), lancé en 1996. Tiigrihüpe a favorisé l'utilisation de l'ordinateur et le développement de l'infrastructure réseau, notamment au sein des institutions éducatives estoniennes. Les effets du programme sont clairement visibles, car ",{"text":5103,"type":69,"marks":5104},"99%",[5105],{"type":106,"attrs":5106},{"href":5107,"uuid":65,"anchor":65,"custom":65,"target":571,"linktype":19},"https://digital-strategy.ec.europa.eu/en/policies/countries-digitisation-performance",{"text":5109,"type":69}," de la population estonienne utilise Internet de manière régulière.",{"type":54,"attrs":5111,"content":5112},{"textAlign":65},[5113],{"text":5114,"type":69},"La même année a également vu l'e-cabinet de l'Estonie, l'un des premiers cabinets électroniques au monde, et le lancement des services de banque électronique en Estonie. Les réunions du cabinet ont commencé à se dérouler sans avoir besoin de papier, et les services bancaires étaient accessibles 24 heures sur 24, 7 jours sur 7, depuis le confort des foyers des citoyens estoniens.",{"type":54,"attrs":5116,"content":5117},{"textAlign":65},[5118],{"text":5119,"type":69},"Les services numériques du secteur public ne se sont certainement pas arrêtés là.",{"type":54,"attrs":5121,"content":5122},{"textAlign":65},[5123],{"text":5124,"type":69},"En 2000, les Estoniens pouvaient déclarer leurs impôts en ligne via la plateforme e-tax. Un service utilisé par 98% de la population aujourd'hui. La même année, M-Parking a été lancé - un service de stationnement mobile qui permettait aux citoyens de payer le stationnement en ville via SMS. Et en 2001, le lancement de X-Road a révolutionné la manière dont les bases de données gouvernementales étaient connectées de manière sécurisée.",{"type":54,"attrs":5126,"content":5127},{"textAlign":65},[5128],{"text":5129,"type":69},"La liste continue. Les cartes d'identité électroniques et les signatures électroniques ont été lancées en 2002, le vote via internet en 2005 et l'envoi de la première facture électronique interentreprises (B2B) en 2007. Plus besoin de scanner les passeports, de signer des contrats sur papier ou de faire la queue pour voter.",{"type":54,"attrs":5131,"content":5132},{"textAlign":65},[5133],{"text":5134,"type":69},"Y a-t-il quelque chose qui reste ? Andrus peut penser à deux services publics qui ne peuvent pas être complétés en ligne. Se marier et acheter une propriété. Cependant, même ces deux services ont vu une utilisation plus importante en ligne depuis la pandémie de COVID-19, en raison du besoin de consultations et d'appels vidéo.",{"type":54,"attrs":5136},{"textAlign":65},{"type":62,"attrs":5138,"content":5139},{"level":64,"textAlign":65},[5140],{"text":5141,"type":69},"e-Estonie : Pourquoi une si grande adoption du numérique ?",{"type":54,"attrs":5143,"content":5144},{"textAlign":65},[5145],{"text":5146,"type":69},"Andrus dit que le pays devait faire quelque chose de grand pour tirer le meilleur parti de son budget et de ses ressources limités. Le pays a pris l'initiative et a créé des services efficaces à faible coût.",{"type":54,"attrs":5148,"content":5149},{"textAlign":65},[5150],{"text":5151,"type":69},"Andrus dit que d'une certaine manière, c'est évident. Par exemple, M-Parking, l'initiative du secteur public pour payer le stationnement par SMS.",{"type":54,"attrs":5153},{"textAlign":65},{"type":62,"attrs":5155,"content":5156},{"level":64,"textAlign":65},[5157],{"text":5158,"type":69},"Comment l'adoption du numérique a-t-elle forcé le changement ?",{"type":54,"attrs":5160,"content":5161},{"textAlign":65},[5162],{"text":5163,"type":69},"Andrus estime que l'Estonie n'a pas été complètement démocratique dans son adoption du numérique. Les changements sont mis en œuvre sans beaucoup de participation des citoyens. Mais peut-être que c'est la meilleure façon de fonctionner ?",{"type":54,"attrs":5165,"content":5166},{"textAlign":65},[5167],{"text":5168,"type":69},"Andrus parle de pays comme la Suède et la Finlande. Ces pays ont créé des initiatives numériques dans le secteur public, tout comme l'Estonie, mais sur une base plus volontaire. Ces initiatives fonctionnent, mais leur adoption est lente. Les gouvernements sont contraints de maintenir les services existants, de mettre en place de nouveaux services numériques et de consacrer du temps et des ressources à cela. Ce n'était pas un luxe dont disposait l'Estonie. En imposant le changement, les citoyens estoniens ont non seulement été rapides à adopter de nouvelles façons de travailler dans le secteur public, mais ils ont également rapidement vu les avantages.",{"type":54,"attrs":5170,"content":5171},{"textAlign":65},[5172],{"text":5173,"type":69},"Cependant, on ne peut pas en dire autant du secteur privé.",{"type":54,"attrs":5175},{"textAlign":65},{"type":62,"attrs":5177,"content":5178},{"level":64,"textAlign":65},[5179],{"text":5180,"type":69},"Le secteur privé de l'Estonie : pourquoi l'adoption du numérique n'a-t-elle pas accéléré aussi rapidement ?",{"type":54,"attrs":5182,"content":5183},{"textAlign":65},[5184,5186,5192],{"text":5185,"type":69},"L'Estonie est en première position sur ",{"text":5187,"type":69,"marks":5188},"l'Indice de l'économie et de la société numériques",[5189],{"type":106,"attrs":5190},{"href":5191,"uuid":65,"anchor":65,"custom":65,"target":571,"linktype":19},"https://digital-strategy.ec.europa.eu/en/policies/desi",{"text":5193,"type":69}," pour les services publics numériques, mais 15e en ce qui concerne l'intégration des technologies numériques au sein des entreprises.",{"type":54,"attrs":5195,"content":5196},{"textAlign":65},[5197],{"text":5198,"type":69},"L'Estonie se compose principalement de PME. Un peu plus de la moitié de ces PME ont un niveau de digitalisation de base, qui est inférieur à la moyenne nationale de l'UE. Seulement 10 % des PME utilisent le big data et seulement 3 % utilisent des solutions d'IA.",{"type":54,"attrs":5200,"content":5201},{"textAlign":65},[5202],{"text":5203,"type":69},"Le gouvernement prend note et met en place les bons programmes. Des programmes tels que l'Intelligence Artificielle et la Robotique en Estonie (AIRE) et le Hub d'Innovation Numérique (DIH), deux programmes qui visent à aider les entreprises à accélérer leur transformation numérique. Le gouvernement a également rendu obligatoire la facturation électronique pour les transactions entre les entreprises et le gouvernement (B2G). La facturation électronique peut augmenter l'utilisation des technologies numériques, mais en Estonie, cela ne s'est pas produit à un rythme rapide.",{"type":54,"attrs":5205,"content":5206},{"textAlign":65},[5207],{"text":5208,"type":69},"Lorsqu'on demande à Andrus pourquoi c'est le cas, pourquoi l'adoption numérique dans le secteur privé et public est très différente, il affirme que forcer le changement dans le secteur privé pourrait ne pas fonctionner aussi bien. Le changement doit être compris et les avantages commerciaux doivent être clairs. Il développe sa théorie en relation avec la facturation électronique des entreprises.",{"type":54,"attrs":5210},{"textAlign":65},{"type":62,"attrs":5212,"content":5213},{"level":64,"textAlign":65},[5214],{"text":5215,"type":69},"Facturation électronique en Estonie",{"type":54,"attrs":5217,"content":5218},{"textAlign":65},[5219],{"text":5220,"type":69},"En 2019, l'Estonie a rendu obligatoires les factures électroniques de l'entreprise au gouvernement (B2G). Les mandats de l'entreprise à l'entreprise (B2B) n'ont pas de dates confirmées, mais pourquoi ? Surtout quand de nombreux autres pays européens, moins \"numériques\", ont adopté des mandats B2B à un rythme plus rapide ?",{"type":54,"attrs":5222,"content":5223},{"textAlign":65},[5224],{"text":5225,"type":69},"Andrus estime que la facturation électronique et la transformation numérique des entreprises doivent être une courbe d'apprentissage. Les entreprises doivent comprendre les avantages avant de faire des changements drastiques.",{"type":54,"attrs":5227,"content":5228},{"textAlign":65},[5229],{"text":5230,"type":69},"De nombreux pays ayant mis en place la facturation électronique obligatoire ont constaté que leurs entreprises envoient des factures électroniques pour l'approbation des autorités fiscales, mais envoient toujours des factures au format PDF et papier entre elles. Cela prouve que la facturation électronique obligatoire n'augmente pas nécessairement l'utilisation du numérique. Les entreprises doivent être motivées par les avantages ou par d'autres entreprises.",{"type":54,"attrs":5232,"content":5233},{"textAlign":65},[5234],{"text":5235,"type":69},"Cela commence à se produire en Estonie. Les grandes entreprises estoniennes peuvent voir les avantages. Elles comprennent que l'automatisation des activités commerciales numériques réduit les coûts et rationalise les processus. Elles commencent à ne travailler qu'avec des processus électroniques et numériques, forçant ainsi leurs partenaires plus petits à s'adapter. Ce sont les grandes entreprises en Estonie qui imposent le changement.",{"type":54,"attrs":5237,"content":5238},{"textAlign":65},[5239],{"text":5240,"type":69},"Le seul inconvénient est que ce processus prend du temps. Comme l'Estonie est principalement composée de PME, le changement forcé est lent. Mais c'est un changement qui crée et encourage l'automatisation complète des entreprises.",{"type":54,"attrs":5242},{"textAlign":65},{"type":62,"attrs":5244,"content":5245},{"level":64,"textAlign":65},[5246],{"text":5247,"type":69},"Alors, quelle est la prochaine étape pour l'Estonie ?",{"type":54,"attrs":5249,"content":5250},{"textAlign":65},[5251],{"text":5252,"type":69},"Outre le fait de se marier et d'acheter une maison en ligne, Andrus estime que la prochaine grande étape est la facturation électronique B2B obligatoire. Il espère que de nombreuses entreprises seront habituées à la facturation électronique et comprendront déjà les avantages de l'automatisation des processus commerciaux numériques.",{"type":54,"attrs":5254,"content":5255},{"textAlign":65},[5256],{"text":5257,"type":69},"Vous voulez en savoir encore plus sur l'Estonie et l'offre actuelle d'Andrus et de son équipe ? Jetez un œil aux solutions mondiales et locales de l'Estonie et découvrez comment votre entreprise peut bénéficier de l'adoption de la facturation électronique.",{"_uid":5259,"cards":5260,"buttons":5263,"heading":1580,"tagline":8,"component":1581,"background":49,"description":5264},"89010f25-1a68-427f-9ae6-1f7d2e52046f",[5261,5262,3551],"eaac7a42-5c45-451d-9d2e-737350b06b26","db8f20bd-6d9d-4f81-8c51-9b3f31ee00da",[],{"type":51,"content":5265},[5266],{"type":54},{"id":5268,"alt":5036,"name":8,"focus":8,"title":5036,"source":8,"filename":5269,"copyright":8,"fieldtype":15,"meta_data":5270,"is_external_url":17},91140596591824,"https://a.storyblok.com/f/318078/1033x601/e23587a78a/644254becbd5ace061d44ff5_blog-how-estonia-became-one-of-the-most-digital-countries-in-the-world_website.jpg",{"alt":5036,"title":5036,"source":8,"copyright":8},[5272],"0be6c8af-817d-407d-b8c0-75828a234503",[],{"type":51,"content":5275},[5276],{"type":54,"attrs":5277,"content":5278},{"textAlign":65},[5279],{"text":5280,"type":69},"Nous avons parlé au directeur national d’Unifiedpost (Banqup) Estonie, Andrus Kaarelson, pour en savoir plus sur le paysage numérique de l’Estonie et pourquoi le pays a été si rapide à adopter les processus numériques.",[2047,3049,3053],"Nous avons parlé avec Andrus Kaarelson, le directeur pays de Banqup Estonie, pour en savoir plus sur le paysage numérique de l'Estonie et sur la raison pour laquelle le pays a été si rapide à s'adapter aux processus numériques.",[4801],"e-estonia-how-estonia-became-one-of-the-most-digital-countries-in-the-world","fr/resources/blog/e-estonia-how-estonia-became-one-of-the-most-digital-countries-in-the-world","2022-12-06",-1870,[],"a80cf977-69da-4d2e-8abc-d4b3300c7ff4","2022-12-06T15:52:00.000Z",[],"resources/blog/e-estonia-how-estonia-became-one-of-the-most-digital-countries-in-the-world",[5294,5295,5296],{"path":5292,"name":65,"lang":522,"published":65},{"path":5292,"name":65,"lang":515,"published":65},{"path":5297,"name":5298,"lang":527,"published":56},"informationen/blog/e-estland-wie-estland-zu-einem-der-digitalsten-laender-der-welt-wurde","e-Estland: Wie Estland zu einem 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slug":5756,"full_slug":5757,"sort_by_date":5758,"position":5759,"tag_list":5760,"is_startpage":17,"parent_id":2059,"meta_data":65,"group_id":5761,"first_published_at":5762,"release_id":65,"lang":515,"path":65,"alternates":5763,"default_full_slug":5764,"translated_slugs":5765,"_stopResolving":56},"Which countries use Peppol?","2025-09-15T10:27:37.216Z","2026-07-24T14:50:25.628Z","2026-07-24T14:50:25.668Z",91105104782731,{"seo":5470,"_uid":5474,"body":5475,"image":5722,"theme":8,"title":5483,"author":5726,"related":5727,"summary":5728,"category":5735,"component":2049,"createdOn":8,"description":5736,"relatedCountries":5737,"transparentNavigation":17,"excludeFromRelatedList":17},{"_uid":5471,"title":5472,"plugin":34,"description":5473},"e667c0fc-30ea-469c-926d-7e2dfed19a33","Which Countries Use Peppol? | Blog - Banqup","Learn which countries currently use Peppol and why more are adopting the framework. Discover the details with Banqup Group.","9cb8628f-db88-480c-b78a-c4612ed9b703",[5476,5488,5711,5714],{"_uid":5477,"align":8,"image":5478,"theme":49,"buttons":5482,"columns":644,"heading":5483,"padding":40,"tagline":5484,"component":1384,"variation":1385,"background":49,"headingTag":1386,"description":5485,"invertTextColor":56},"cb3054c3-9a2c-46a6-aebd-6b89d9ed3c6c",{"id":5479,"alt":8,"name":8,"focus":8,"title":8,"source":8,"filename":5480,"copyright":8,"fieldtype":15,"meta_data":5481,"is_external_url":17},94981000823550,"https://a.storyblok.com/f/318078/1925x510/15ff073a6b/which-countries-use-peppol.png",{},[],"Quels pays utilisent Peppol ?","Facturation électronique",{"type":51,"content":5486},[5487],{"type":54},{"_uid":5489,"text":5490,"component":506,"background":49},"61aab285-fd04-4c92-a43e-9001b2ecde27",{"type":51,"content":5491},[5492,5504,5509,5511,5516,5521,5526,5541,5543,5548,5560,5565,5570,5575,5577,5582,5617,5626,5638,5643,5658,5663,5668,5683,5688,5693,5706],{"type":54,"attrs":5493,"content":5494},{"textAlign":65},[5495,5502],{"text":3070,"type":69,"marks":5496},[5497],{"type":106,"attrs":5498},{"href":5499,"uuid":5500,"anchor":65,"custom":5501,"target":111,"linktype":112},"/resources/blog/what-is-peppol-","491a1825-3c21-4ec0-8c66-063c98a3c8cf",{},{"text":5503,"type":69}," (Pan-European Public Procurement Online) a débuté en tant que projet pour le programme « Compétitivité et Innovation » de l'Union européenne, qui s'est déroulé de mai 2008 à août 2012. Son objectif était de résoudre les problèmes liés aux marchés publics électroniques et de faciliter les échanges entre les gouvernements européens.",{"type":54,"attrs":5505,"content":5506},{"textAlign":65},[5507],{"text":5508,"type":69},"À l'issue de ce projet réussi, l'Association OpenPeppol a été fondée en Belgique pour poursuivre le travail. Aujourd'hui, des pays du monde entier utilisent Peppol pour faciliter les transactions commerciales transfrontalières. Ils peuvent bénéficier d'un ensemble unifié de normes pour l'échange de données et se conformer aux réglementations internationales.",{"type":54,"attrs":5510},{"textAlign":65},{"type":62,"attrs":5512,"content":5513},{"level":64,"textAlign":65},[5514],{"text":5515,"type":69},"Comment les pays utilisent Peppol",{"type":54,"attrs":5517,"content":5518},{"textAlign":65},[5519],{"text":5520,"type":69},"En général, Peppol est le plus souvent utilisé dans les marchés publics, soutenant les obligations de facturation électronique de l'entreprise au gouvernement (B2G) à travers l'Europe et au-delà.",{"type":54,"attrs":5522,"content":5523},{"textAlign":65},[5524],{"text":5525,"type":69},"Tous les pays n'utilisent pas Peppol de la même manière. Certains pays disposent d'un réseau d'interopérabilité ouvert et autorisent l'utilisation de différents Points d'Accès sur le marché par les entités publiques - Suède, Luxembourg, Allemagne, etc. D'autres préfèrent avoir un Point d'Accès principal, utilisé par les entités publiques - Grèce, Belgique, France, etc.",{"type":54,"attrs":5527,"content":5528},{"textAlign":65},[5529,5531,5539],{"text":5530,"type":69},"La ",{"text":5532,"type":69,"marks":5533},"Belgique",[5534],{"type":106,"attrs":5535},{"href":5536,"uuid":5537,"anchor":65,"custom":5538,"target":111,"linktype":112},"/resources/blog/six-key-facts-about-belgium-s-electronic-invoicing-progression","ad585f4d-da41-48ca-b5c5-2503c421b758",{},{"text":5540,"type":69},", par exemple, utilise son portail gouvernemental officiel, Mercurius, qui intègre Peppol. Toutes les entreprises envoyant des factures aux institutions du secteur public belge doivent transmettre des factures électroniques en utilisant Mercurius, qui sont ensuite distribuées via le réseau Peppol.",{"type":54,"attrs":5542},{"textAlign":65},{"type":62,"attrs":5544,"content":5545},{"level":64,"textAlign":65},[5546],{"text":5547,"type":69},"L'utilisation de Peppol en Europe",{"type":54,"attrs":5549,"content":5550},{"textAlign":65},[5551,5553,5558],{"text":5552,"type":69},"L'Europe est l'endroit où Peppol a commencé et aujourd'hui il joue un grand rôle dans la ",{"text":5484,"type":69,"marks":5554},[5555],{"type":106,"attrs":5556},{"href":3340,"uuid":3341,"anchor":65,"custom":5557,"target":111,"linktype":112},{},{"text":5559,"type":69}," à travers le continent.",{"type":54,"attrs":5561,"content":5562},{"textAlign":65},[5563],{"text":5564,"type":69},"Actuellement, 31 pays en Europe ont des membres OpenPeppol (points d'accès Peppol ou fournisseurs de services Peppol). 19 de ces pays utilisent le réseau Peppol dans le cadre de leur législation sur la facturation électronique B2G. Ces pays comprennent l'Autriche, la Belgique, la Croatie, le Danemark, l'Estonie, la Finlande, la France, l'Allemagne, la Grèce, l'Islande, l'Irlande, l'Italie, la Lituanie, le Luxembourg, les Pays-Bas, la Norvège, la Pologne, la Suède et le Royaume-Uni.",{"type":54,"attrs":5566,"content":5567},{"textAlign":65},[5568],{"text":5569,"type":69},"En ce qui concerne la mise en place de la facturation électronique, le Danemark a été le premier à le faire. Depuis 2005, les fournisseurs de services et de biens sont tenus d'utiliser la facturation électronique lorsqu'ils traitent avec des institutions publiques et des autorités publiques. Cela se fait à travers le réseau centralisé \"NemHandel\" du Danemark - le système de facturation électronique danois qui fonctionne en utilisant Peppol. Le système comptable d'une organisation doit être connecté à un point d'accès qui garantit que les données de la facture répondent aux normes de sécurité nécessaires.",{"type":54,"attrs":5571,"content":5572},{"textAlign":65},[5573],{"text":5574,"type":69},"En regardant la Norvège, l'un des pionniers de Peppol ayant participé au projet PEPPOL original, les autorités ont augmenté l'utilisation des catalogues et des commandes, tout en examinant l'utilisation de l'infrastructure Peppol et du modèle de gouvernance OpenPeppol dans d'autres domaines tels que l'e-gouvernement et le e-paiement.",{"type":54,"attrs":5576},{"textAlign":65},{"type":62,"attrs":5578,"content":5579},{"level":64,"textAlign":65},[5580],{"text":5581,"type":69},"Peppol plus loin",{"type":54,"attrs":5583,"content":5584},{"textAlign":65},[5585,5587,5595,5597,5605,5607,5615],{"text":5586,"type":69},"L'Arménie, l'Australie, le Canada, la Chine, l'Inde, le Japon, la Malaisie, le Mexique, la Nouvelle-Zélande, Singapour, l'Afrique du Sud, les Émirats arabes unis et les États-Unis ont tous des membres OpenPeppol. Des pays comme le ",{"text":5588,"type":69,"marks":5589},"Japon",[5590],{"type":106,"attrs":5591},{"href":5592,"uuid":5593,"anchor":65,"custom":5594,"target":111,"linktype":112},"/resources/compliance-pulse/japan","c8a04d8b-1eb3-42d9-b9bf-7e21736f7aff",{},{"text":5596,"type":69},", la ",{"text":5598,"type":69,"marks":5599},"Nouvelle-Zélande",[5600],{"type":106,"attrs":5601},{"href":5602,"uuid":5603,"anchor":65,"custom":5604,"target":111,"linktype":112},"/resources/compliance-pulse/new-zealand","b3c6413d-1eb6-414f-bc11-4b997ec7041e",{},{"text":5606,"type":69}," et ",{"text":5608,"type":69,"marks":5609},"Singapour",[5610],{"type":106,"attrs":5611},{"href":5612,"uuid":5613,"anchor":65,"custom":5614,"target":111,"linktype":112},"/resources/compliance-pulse/singapore","d8e8ec04-58ab-4b5e-81c9-765c38f9e91f",{},{"text":5616,"type":69}," utilisent Peppol dans le cadre de leurs obligations de facturation électronique, bénéficiant également de l'interopérabilité du réseau et de sa capacité de commerce transfrontalier.",{"type":54,"attrs":5618,"content":5619},{"textAlign":65},[5620],{"type":5621,"attrs":5622},"image",{"id":5623,"alt":8,"src":5624,"title":8,"source":8,"copyright":8,"meta_data":5625},91106091938266,"https://a.storyblok.com/f/318078/1032x600/711fd69159/6631f424fbe9e137c10864bf_blog-which-countries-use-peppol-world.webp",{},{"type":54,"attrs":5627,"content":5628},{"textAlign":65},[5629,5636],{"text":5608,"type":69,"marks":5630},[5631],{"type":106,"attrs":5632},{"href":5633,"uuid":5634,"anchor":65,"custom":5635,"target":111,"linktype":112},"/resources/blog/peppol-named-default-b2g-electronic-invoicing-channel-for-singapore-government-vendors","6bf05490-cddd-495a-ba7f-7368d067ead9",{},{"text":5637,"type":69}," a été le premier pays en dehors de l'Europe à adopter le cadre. En 2018, l'Infocomm Media Development Authority (IMDA) de Singapour est devenue la première autorité nationale en dehors de l'Europe à rejoindre OpenPeppol en tant qu'autorité Peppol. Peu de temps après, en 2019, elle a lancé son réseau national de facturation électronique.",{"type":54,"attrs":5639,"content":5640},{"textAlign":65},[5641],{"text":5642,"type":69},"La facturation électronique est facultative pour les transactions B2B à Singapour et le pays encourage son utilisation parmi les entreprises. Depuis 2019, les entreprises peuvent échanger des factures électroniques via InvoiceNow qui fonctionne sur le réseau Peppol. Récemment, le pays a même lancé un programme de subventions pour la numérisation, encourageant les entreprises à obtenir un identifiant InvoiceNow et à rejoindre le réseau Peppol.",{"type":54,"attrs":5644,"content":5645},{"textAlign":65},[5646,5648,5656],{"text":5647,"type":69},"Comme Singapour, l'",{"text":5649,"type":69,"marks":5650},"Australie",[5651],{"type":106,"attrs":5652},{"href":5653,"uuid":5654,"anchor":65,"custom":5655,"target":111,"linktype":112},"/resources/blog/banqup-group-is-a-certified-peppol-access-point-in-australia","2727724f-efc4-454b-a096-32c89d2ad4a8",{},{"text":5657,"type":69}," a également adopté Peppol. À partir de 2022, toutes les agences fédérales et la plupart des gouvernements des États en Australie doivent être en mesure de recevoir des factures électroniques via Peppol.",{"type":54,"attrs":5659,"content":5660},{"textAlign":65},[5661],{"text":5662,"type":69},"De plus, le Département du Trésor australien a conçu un plan, le Droit à la facturation électronique des entreprises (ou BER), pour promouvoir l'adoption de la facturation électronique B2B en utilisant Peppol. Il est prévu qu'en 2025, les entreprises pourront obliger leurs partenaires commerciaux à envoyer des factures via Peppol. Initialement, il est proposé que seules les grandes entreprises soient légalement tenues d'envoyer des factures électroniques Peppol dès réception d'une demande valide (développée plus tard dans le document) de la part de toute entreprise couverte par le BER. L'intention est que cette obligation légale s'étende progressivement de sorte que les entreprises de taille moyenne et éventuellement les petites entreprises soient légalement tenues d'envoyer une facture électronique dès réception d'une demande valide de toute autre entreprise couverte par le BER.",{"type":54,"attrs":5664,"content":5665},{"textAlign":65},[5666],{"text":5667,"type":69},"Dans un développement plus récent, le Japon a établi son Autorité Peppol en 2021 et avance dans le projet de facturation électronique du pays. L'initiative vise à accroître l'efficacité et la productivité des entreprises, mais devrait également apporter de nouveaux avantages au public, notamment la création de nouvelles opportunités commerciales et une avancée vers l'ère numérique.",{"type":54,"attrs":5669,"content":5670},{"textAlign":65},[5671,5673,5681],{"text":5672,"type":69},"À mesure que le temps passe, on s'attend à ce que de plus en plus de pays à travers le monde fassent de même. À l'horizon se trouve la ",{"text":5674,"type":69,"marks":5675},"Malaisie",[5676],{"type":106,"attrs":5677},{"href":5678,"uuid":5679,"anchor":65,"custom":5680,"target":111,"linktype":112},"/resources/compliance-pulse/malaysia","8e98d84a-b90b-4d17-b6a8-8a7b7d7c0cfa",{},{"text":5682,"type":69},", où le Peppol constituera la base du réseau d'interopérabilité du pays.",{"type":62,"attrs":5684,"content":5685},{"level":64,"textAlign":65},[5686],{"text":5687,"type":69},"Banqup et Peppol",{"type":54,"attrs":5689,"content":5690},{"textAlign":65},[5691],{"text":5692,"type":69},"Banqup est un fournisseur certifié de point d'accès Peppol.",{"type":54,"attrs":5694,"content":5695},{"textAlign":65},[5696,5698,5704],{"text":5697,"type":69},"Notre ",{"text":5699,"type":69,"marks":5700},"solution de facturation électronique",[5701],{"type":106,"attrs":5702},{"href":3543,"uuid":3544,"anchor":65,"custom":5703,"target":111,"linktype":112},{},{"text":5705,"type":69}," se connecte directement à l'utilisation de Peppol dans de nombreux pays à travers le monde. En utilisant notre solution, les entreprises de toutes tailles peuvent utiliser l'échange électronique de documents et de données, tout en garantissant la conformité fiscale et à la facturation électronique dans plus de 60 pays.",{"type":54,"attrs":5707,"content":5708},{"textAlign":65},[5709],{"text":5710,"type":69},"Nos solutions éliminent le stress lié à la conformité, vous font gagner du temps et garantissent que votre entreprise planifie pour l'avenir.",{"_uid":5712,"component":5713},"fae1b676-71cb-4c2b-a0e4-4e90b20632ff","relatedCountryTags",{"_uid":5715,"cards":5716,"buttons":5718,"heading":1580,"tagline":8,"component":1581,"background":49,"description":5719},"2a284e41-b3bc-4ceb-8fed-834928525893",[4418,4196,5717],"a8c8b7e9-7612-4e8f-8647-df0270a0bfc1",[],{"type":51,"content":5720},[5721],{"type":54},{"id":5723,"alt":8,"name":8,"focus":8,"title":8,"source":8,"filename":5724,"copyright":8,"fieldtype":15,"meta_data":5725,"is_external_url":17},91105244938664,"https://a.storyblok.com/f/318078/1032x600/049dbc8388/662a147bb871bff4fd38bcfc_blog-which-countries-use-peppol_blog-1.webp",{},[],[],{"type":51,"content":5729},[5730],{"type":54,"attrs":5731,"content":5732},{"textAlign":65},[5733],{"text":5734,"type":69},"Découvrez quels pays utilisent actuellement Peppol et pourquoi de plus en plus l’adoptent.",[2047,2048,3049],"Découvrez quels pays utilisent actuellement Peppol et pourquoi de plus en plus adoptent ce cadre.",[2053,5738,5739,5740,5741,4801,5742,5743,5744,5745,5746,5747,5748,4475,5749,5750,5751,5752,5753,5754,5755],"United Kingdom","Austria","Croatia","Denmark","Finland","France","Germany","Greece","Iceland","Italy","Lithuania","Norway","Sweden","Singapore","Australia","Malaysia","New Zealand","Japan","which-countries-use-peppol-","fr/resources/blog/which-countries-use-peppol-","2023-08-24",-1650,[],"ae7952c6-d4b0-414a-b113-35684ab37472","2023-08-24T13:29:00.000Z",[],"resources/blog/which-countries-use-peppol-",[5766,5767,5768],{"path":5764,"name":65,"lang":522,"published":65},{"path":5764,"name":65,"lang":515,"published":65},{"path":5769,"name":5770,"lang":527,"published":56},"informationen/blog/welche-laender-nutzen-peppol","Welche Länder nutzen Peppol?",[],{"type":51,"content":5773},[5774],{"type":54},{"id":5776,"alt":4820,"name":8,"focus":8,"title":4820,"source":8,"filename":5777,"copyright":8,"fieldtype":15,"meta_data":5778,"is_external_url":17},91459236041005,"https://a.storyblok.com/f/318078/1032x600/67106addfb/644104d47a88a16a6e23cbc4_blog-why-is-bank-independency-important.jpg",{"alt":4820,"title":4820,"source":8,"copyright":8},[],[],{"type":51,"content":5782},[5783],{"type":54,"attrs":5784,"content":5785},{"textAlign":65},[5786],{"text":5787,"type":69},"Que signifie l’indépendance bancaire et pourquoi est-elle importante ? Nous approfondissons les détails et expliquons pourquoi les entreprises devraient y prêter attention.",[3043],"Qu'est-ce que l'indépendance bancaire et pourquoi est-elle importante ? Nous examinons les détails et expliquons pourquoi les entreprises devraient en tenir compte.",[],"why-is-bank-independency-important-","fr/resources/blog/why-is-bank-independency-important-","2017-07-05",-2130,[],"c7c90be8-f97b-4f76-833b-b1c4517bb5a1","2017-07-05T13:29:00.000Z",[],"resources/blog/why-is-bank-independency-important-",[5801,5802,5803],{"path":5799,"name":65,"lang":522,"published":65},{"path":5799,"name":65,"lang":515,"published":65},{"path":5804,"name":5805,"lang":527,"published":56},"informationen/blog/warum-ist-bankenunabhaengigkeit-wichtig","Warum ist Bankenunabhängigkeit 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Bolivie",{"type":51,"content":6086},[6087],{"type":54},{"_uid":6089,"text":6090,"component":506,"background":49},"6f78f96c-0ee2-45cb-9a32-930a504c0d91",{"type":51,"content":6091},[6092,6099,6106,6122,6127,6134,6139,6150,6157,6162,6167,6172,6192,6199,6206,6211,6216,6223,6228,6235,6255,6262,6267,6272,6279,6284,6289,6294,6299,6306,6329],{"type":54,"attrs":6093,"content":6094},{"textAlign":65},[6095],{"text":6096,"type":69,"marks":6097},"Cet article a été mis à jour pour la dernière fois le 27 mars 2026, afin de refléter le dernier report de la date limite pour le déploiement auprès des groupes de contribuables 9 à 12.",[6098],{"type":1443},{"type":54,"attrs":6100,"content":6101},{"textAlign":65},[6102],{"text":6103,"type":69,"marks":6104},"Le parcours de la Bolivie vers un paysage financier rationalisé se poursuit avec la mise en œuvre de la facturation électronique. Découvrez les progrès, le cadre juridique et les avantages pour les entreprises dans cette transformation numérique en constante évolution.",[6105],{"type":72},{"type":54,"attrs":6107,"content":6108},{"textAlign":65},[6109,6111,6120],{"text":6110,"type":69},"Dans le cadre de ses efforts continus pour rationaliser les processus financiers et améliorer la conformité fiscale, la Bolivie a mis en œuvre un modèle de facturation électronique (e-invoicing) en 2019. Fort d'un historique de tentatives précédentes pour établir un système obligatoire, le Service National des Impôts (",{"text":6112,"type":69,"marks":6113},"Servicio de Impuestos Nacionales",[6114,6117,6118],{"type":106,"attrs":6115},{"href":6116,"uuid":65,"anchor":65,"custom":65,"target":65,"linktype":19},"https://www.impuestos.gob.bo/",{"type":1443},{"type":6119},"underline",{"text":6121,"type":69},", ou SIN en abrégé) s'est efforcé de surmonter les défis d'infrastructure et de créer un environnement de facturation plus efficace.",{"type":54,"attrs":6123,"content":6124},{"textAlign":65},[6125],{"text":6126,"type":69},"Jetons un coup d'œil aux progrès réalisés par ce pays d'Amérique du Sud jusqu'à présent.",{"type":62,"attrs":6128,"content":6129},{"level":687,"textAlign":65},[6130],{"text":6131,"type":69,"marks":6132},"Contexte juridique",[6133],{"type":72},{"type":54,"attrs":6135,"content":6136},{"textAlign":65},[6137],{"text":6138,"type":69},"Le parcours de la Bolivie en matière de facturation électronique a débuté en 2007 avec l'introduction du nouveau système de facturation (NSF-07) par la résolution RND 10-0016-07.",{"type":54,"attrs":6140,"content":6141},{"textAlign":65},[6142,6144,6148],{"text":6143,"type":69},"Au fil des ans, plusieurs modifications ont été apportées, menant à la mise en œuvre du système de facturation virtuelle (SFV) final le 1er janvier 2016. La base juridique de la facturation électronique se trouve dans la Résolution Normative du Conseil d'Administration (",{"text":6145,"type":69,"marks":6146},"Resolución Normativa de Directorio",[6147],{"type":1443},{"text":6149,"type":69},") RND n° 101800000026 du 20 novembre 2018.",{"type":62,"attrs":6151,"content":6152},{"level":687,"textAlign":65},[6153],{"text":6154,"type":69,"marks":6155},"Le mandat de facturation électronique en Bolivie",[6156],{"type":72},{"type":54,"attrs":6158,"content":6159},{"textAlign":65},[6160],{"text":6161,"type":69},"Comme de nombreux autres pays, la Bolivie a introduit des réglementations obligatoires sur la facturation électronique par étapes, en commençant il y a plusieurs années avec les résolutions RND n° 10210000012 et n° 10210000017. Celles-ci obligeaient les grands contribuables (connus localement sous le nom de PRICOS) et d'autres personnes explicitement mentionnées dans les résolutions à se mettre en conformité à partir du 1er décembre 2021.",{"type":54,"attrs":6163,"content":6164},{"textAlign":65},[6165],{"text":6166,"type":69},"Depuis lors, de nombreux autres groupes de contribuables ont été mandatés par phases. Certaines des dates initialement annoncées ont finalement été reportées, parfois à la toute dernière minute.",{"type":54,"attrs":6168,"content":6169},{"textAlign":65},[6170],{"text":6171,"type":69},"Actuellement, les groupes de contribuables 9 à 12 ont une date limite fixée au 1er octobre 2026 (récemment reportée à nouveau de la date limite précédente du 1er avril 2026 via la RND n° 102600000007). Tous les groupes précédents ont déjà passé leurs échéances de conformité.",{"type":54,"attrs":6173,"content":6174},{"textAlign":65},[6175,6177,6184,6186,6190],{"text":6176,"type":69},"Le SIN a créé une ",{"text":6178,"type":69,"marks":6179},"ressource en ligne",[6180,6183],{"type":106,"attrs":6181},{"href":6182,"uuid":65,"anchor":65,"custom":65,"target":65,"linktype":19},"https://siat.impuestos.gob.bo/facturacion/public/consultaFacturacion.xhtml",{"type":6119},{"text":6185,"type":69}," qui demande le numéro d'identification fiscale du contribuable (",{"text":6187,"type":69,"marks":6188},"Número de Identificación Tributaria",[6189],{"type":1443},{"text":6191,"type":69},", ou NIT) pour l'aider à identifier le groupe de facturation électronique auquel il appartient.",{"type":62,"attrs":6193,"content":6194},{"level":687,"textAlign":65},[6195],{"text":6196,"type":69,"marks":6197},"Les détails techniques",[6198],{"type":72},{"type":62,"attrs":6200,"content":6201},{"level":64,"textAlign":65},[6202],{"text":6203,"type":69,"marks":6204},"Formats de facturation électronique",[6205],{"type":72},{"type":54,"attrs":6207,"content":6208},{"textAlign":65},[6209],{"text":6210,"type":69},"Le format de facturation électronique en Bolivie suit les normes XML 1.0 UTF-8. Chaque type de document varie en fonction du secteur économique, et le format peut être validé à l'aide de fichiers de schéma XSD fournis par le Service National des Impôts (SIN).",{"type":54,"attrs":6212,"content":6213},{"textAlign":65},[6214],{"text":6215,"type":69},"Le système couvre un large éventail de types de documents, notamment les factures standard, les notes de crédit-débit, les notes fiscales, et bien plus encore.",{"type":62,"attrs":6217,"content":6218},{"level":64,"textAlign":65},[6219],{"text":6220,"type":69,"marks":6221},"Processus de certification",[6222],{"type":72},{"type":54,"attrs":6224,"content":6225},{"textAlign":65},[6226],{"text":6227,"type":69},"Pour garantir la conformité, les contribuables mandatés se soumettent à un processus de certification obligatoire dans un environnement de test. Ce processus permet d'effectuer des tests, des ajustements et des corrections d'erreurs avant d'obtenir un certificat de test réussi. Une fois certifiés, les contribuables peuvent utiliser l'environnement de production en obtenant des codes d'initialisation de système uniques (CUIS) et des codes de facturation quotidienne (CUFD).",{"type":62,"attrs":6229,"content":6230},{"level":64,"textAlign":65},[6231],{"text":6232,"type":69,"marks":6233},"Certificat et signature numériques",[6234],{"type":72},{"type":54,"attrs":6236,"content":6237},{"textAlign":65},[6238,6240,6244,6246,6253],{"text":6239,"type":69},"Les documents fiscaux électroniques doivent être signés électroniquement à l'aide de certificats numériques délivrés par l'Agence pour le développement de la société de l'information en Bolivie (",{"text":6241,"type":69,"marks":6242},"Agencia para el Desarrollo de la Sociedad de la Información en Bolivia",[6243],{"type":1443},{"text":6245,"type":69}," ou ",{"text":6247,"type":69,"marks":6248},"ADSIB",[6249,6252],{"type":106,"attrs":6250},{"href":6251,"uuid":65,"anchor":65,"custom":65,"target":65,"linktype":19},"https://adsib.gob.bo/",{"type":6119},{"text":6254,"type":69},"). Cette signature numérique garantit l'intégrité et l'authenticité des documents.",{"type":62,"attrs":6256,"content":6257},{"level":64,"textAlign":65},[6258],{"text":6259,"type":69,"marks":6260},"Validation et échange",[6261],{"type":72},{"type":54,"attrs":6263,"content":6264},{"textAlign":65},[6265],{"text":6266,"type":69},"La validation en ligne des documents est effectuée auprès du Service National des Impôts (SIN).",{"type":54,"attrs":6268,"content":6269},{"textAlign":65},[6270],{"text":6271,"type":69},"Les contribuables demandent un code de facture quotidien unique (CUFD) et génèrent des documents au format XML avec une signature numérique. Ces documents sont envoyés au SIN pour obtenir des codes de réception. L'utilisation d'une représentation graphique, incluant un code QR obligatoire, facilite l'échange de documents entre contribuables. 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