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le détail du pourquoi et du comment, voici ce que nous apprend l’analyse des dépenses de 2 500 PME européennes au cours des 12 derniers mois :",{"type":317,"attrs":318},"blok",{"id":319,"body":320},"c5f4faf0-f1aa-4358-a5ce-663c0feef376",[321],{"_uid":322,"text":323,"color":324,"title":325,"backCtas":326,"backMedia":335,"component":346},"i-507ca565-c11a-45a1-9142-6c216998ed4c","🇪🇺 🇬🇧 À l’échelle européenne\\* :\n\n- Les écarts de prix observés chez un même fournisseur représentent une opportunité d’économies estimée à près de **7 milliards d’euros par an** à l’échelle du marché.\n- La simple suppression des outils en doublon pourrait permettre de libérer **3 milliards d’euros par an** sur le marché.\n\n🔍 À l’échelle de l’échantillon :\n\n- Les écarts de prix observés chez un même fournisseur représentent **69 à 76 millions d’euros par an** de dépenses potentiellement récupérables pour les PME européennes. Autrement dit, même lorsqu’elles achètent exactement le même logiciel et ont une taille comparable, deux entreprises paient rarement le même prix.\n- La simple suppression des outils en doublon pourrait **libérer 15 M€** si les équipes disposaient de davantage de visibilité et de contrôle sur la manière dont ces dépenses sont engagées.\n- **Plus de deux entreprises sur trois** qui utilisent des outils d’IA paient déjà pour au moins deux solutions concurrentes en parallèle — le plus souvent sans avoir réellement décidé de le faire.\n- Les dépenses totales consacrées à l’IA ont bondi de **340 %** en douze mois, alors que le nombre d’entreprises qui utilisent ces outils a très peu augmenté. Autrement dit, la hausse vient surtout de celles qui ont déjà adopté l’IA et qui y consacrent de plus en plus de budget, plutôt que d’un afflux de nouveaux utilisateurs. La « démocratisation » de l’IA progresse donc bien moins vite que les dépenses qu’elle génère.\n- Pour une entreprise type, la facture IA varie de **61 %** d’un mois à l’autre, et peut être **jusqu’à huit fois plus élevée** certains mois que d’autres. Des écarts de cette ampleur sont difficiles à anticiper avec un budget fixe.\n\n\\**Modélisation réalisée sur l’ensemble des entreprises européennes de 50 à 249 salariés. 250 670 entreprises de 50 à 249 salariés dans l’UE ; Eurostat, statistiques structurelles sur les entreprises, UE-27, données provisoires 2024.*","purple","📌 À retenir",[327],{"tag":18,"_uid":328,"hide":14,"icon":329,"link":331,"type":18,"label":333,"style":253,"component":254,"mobileLabel":18,"onClickEvent":334,"openInANewTab":14,"horizontalFill":14,"isDownloadable":150},"i-5679e58e-781a-432b-bc12-9c2a1900becf",{"id":17,"alt":17,"name":18,"focus":17,"title":17,"source":17,"filename":18,"copyright":17,"fieldtype":19,"meta_data":330},{},{"id":18,"url":332,"linktype":251,"fieldtype":252,"cached_url":332},"https://a.storyblok.com/f/146026/1080x2508/fc21c27e86/french-infographics-from-spendesk.png","Télécharger en taille réelle","website:report_download:clicked",[336],{"_uid":337,"link":338,"asset":341,"caption":18,"component":345},"i-101637aa-a161-4441-871e-adbe8bdc7c74",{"id":18,"url":18,"linktype":339,"fieldtype":252,"cached_url":340,"prep":150},"story","/fr/",{"id":342,"alt":18,"name":18,"focus":18,"title":18,"source":18,"filename":332,"copyright":18,"fieldtype":19,"meta_data":343,"is_external_url":14},226368248115643,{"size":344},"1080x2508","image","callout",{"type":61,"attrs":348,"content":349},{"textAlign":17},[350],{"text":351,"type":52},"Chaque CFO a sa propre idée de l’ampleur prise par les outils SaaS dans son entreprise. Mais rares sont ceux qui disposent d’une vision précise des montants réellement dépensés. Chez Spendesk, ce sont justement ces dépenses que nous observons chaque jour.",{"type":61,"attrs":353,"content":354},{"textAlign":17},[355],{"text":356,"type":52},"C’est ce que permet une plateforme de gestion des dépenses qui traite plus de 10 milliards d’euros de paiements B2B en Europe : nous ne nous appuyons pas sur ce que les entreprises déclarent dépenser en logiciels, mais sur ce qu’elles paient réellement, mois après mois et outil par outil. Ce rapport repose ainsi sur douze mois de données transactionnelles réelles, comprenant des factures, des abonnements et des paiements par carte, issues de 2 500 entreprises européennes anonymisées, réparties dans neuf grands secteurs et quatre catégories de taille.",{"type":46,"attrs":358,"content":360},{"level":359,"textAlign":17},2,[361],{"text":362,"type":52,"marks":363},"SaaS en Europe : le prix d’un gaspillage devenu structurel",[364],{"type":72},{"type":61,"attrs":366,"content":367},{"textAlign":17},[368],{"text":369,"type":52},"Les entreprises européennes dépensent désormais près de 250 000 € par an en logiciels, en moyenne. Ce montant augmente depuis des années, sans que grand monde, en dehors de la Finance, ait vraiment eu à expliquer pourquoi.",{"type":61,"attrs":371,"content":372},{"textAlign":17},[373,375,383],{"text":374,"type":52},"Une partie de la réponse tient simplement au manque de suivi. Selon des benchmarks externes, notamment le ",{"text":376,"type":52,"marks":377},"SaaS Management Index 2024 de Zylo",[378],{"type":379,"attrs":380},"link",{"href":381,"uuid":17,"anchor":17,"target":382,"linktype":251},"https://zylo.com/news/2024-saas-management-index","_new",{"text":384,"type":52},", le taux moyen d’utilisation des licences n’est que de 49 %. Autrement dit, près de la moitié des accès payés par une entreprise restent inutilisés, mois après mois, parce que personne ne les a audités, réattribués ou simplement pensé à les vérifier.",{"type":61,"attrs":386,"content":387},{"textAlign":17},[388],{"text":389,"type":52},"L’autre partie du problème, c’est le prix. Un même logiciel vendu à deux entreprises de taille comparable ne leur coûte pas nécessairement la même chose. Rapporté à l’ensemble des entreprises européennes de 50 à 249 salariés, cet écart représente environ 7 milliards d’euros par an. C’est là que les entreprises en forte croissance deviennent particulièrement exposées : les effectifs augmentent plus vite que la maturité des achats. Une entreprise peut facilement utiliser plus de 30 outils SaaS avant même d’avoir quelqu’un dont le rôle consiste à négocier le prix d’un seul d’entre eux.",{"type":61,"attrs":391,"content":392},{"textAlign":17},[393],{"text":394,"type":52},"Les doublons viennent encore alourdir la facture. La majorité des entreprises qui utilisent des outils d’IA paient désormais pour au moins deux solutions concurrentes en parallèle. C’est également le cas pour les logiciels de design. Et le même schéma se répète catégorie après catégorie : utiliser plusieurs outils qui couvrent en partie les mêmes besoins reste difficile à justifier, mais la pratique est devenue suffisamment courante pour finir par paraître normale.",{"type":61,"attrs":396,"content":397},{"textAlign":17},[398],{"text":399,"type":52},"Sur une facture, pourtant, cela ressemble simplement à une ligne de plus, provenant d’un fournisseur que personne n’a pensé à remettre en question.",{"type":61,"attrs":401,"content":402},{"textAlign":17},[403],{"text":404,"type":52},"En clair, le gaspillage est devenu structurel.",{"type":46,"attrs":406,"content":408},{"level":407,"textAlign":17},3,[409],{"text":410,"type":52,"marks":411},"L’IA change complètement la donne",[412],{"type":72},{"type":317,"attrs":414},{"id":415,"body":416},"d87830e7-37c5-43ad-b63e-2e1374862388",[417],{"_uid":418,"link":419,"asset":420,"caption":18,"component":345},"i-1e07f311-6bd1-4ffb-8982-b61d9265f8a8",{"id":18,"url":18,"linktype":339,"fieldtype":252,"cached_url":340,"prep":150},{"id":421,"alt":18,"name":18,"focus":18,"title":18,"source":18,"filename":422,"copyright":18,"fieldtype":19,"meta_data":423,"is_external_url":14},225651098387495,"https://a.storyblok.com/f/146026/1280x832/2b3e16336e/chart-1_fr.png",{"size":424},"1280x832",{"type":61,"attrs":426,"content":427},{"textAlign":17},[428],{"text":429,"type":52},"Ce qui distingue la situation actuelle des précédentes phases de développement du SaaS, c’est l’IA. Et le changement est déjà très visible.",{"type":61,"attrs":431,"content":432},{"textAlign":17},[433],{"text":434,"type":52},"Il y a un an, OpenAI arrivait largement en tête des dépenses IA des entreprises européennes. Début 2026, Anthropic l’avait dépassé. Sur la deuxième moitié de la période étudiée, les dépenses consacrées à Anthropic ont été multipliées par plus de sept. Celles liées à OpenAI, elles, ont plafonné avant de légèrement reculer.",{"type":61,"attrs":436,"content":437},{"textAlign":17},[438],{"text":439,"type":52},"Cursor a lui aussi fortement progressé, avec une facture plus que doublée sur la même période. Dust, Lovable et Mistral restent encore loin derrière, mais à ce rythme, l’écart pourrait vite se réduire.",{"type":61,"attrs":441,"content":442},{"textAlign":17},[443],{"text":444,"type":52},"Les factures SaaS traditionnelles évoluent rarement de cette manière. Une facture Figma de 500 € reste généralement autour de 500 € le mois suivant. Avec l’IA, la logique change complètement. Chaque prompt, chaque agent et chaque workflow automatisé peut faire grimper la facture. Les coûts deviennent donc beaucoup plus difficiles à prévoir pour les équipes Finance. Il n’y a pas forcément de date de renouvellement pour déclencher une revue, ni de budget fixe capable d’absorber une hausse brutale. Résultat, les dépenses peuvent s’accumuler pendant plusieurs semaines avant d’être repérées, parfois une fois que la facture a déjà fortement augmenté.",{"type":46,"attrs":446,"content":447},{"level":407,"textAlign":17},[448],{"text":449,"type":52,"marks":450},"Comment les équipes Finance peuvent réduire les dépenses SaaS inutiles et mieux maîtriser les coûts liés à l’IA",[451],{"type":72},{"type":61,"attrs":453,"content":454},{"textAlign":17},[455],{"text":456,"type":52},"La fenêtre pour prendre de l’avance se referme. Et plus une entreprise agit tôt, plus l’avantage peut se creuser avec le temps.",{"type":61,"attrs":458,"content":459},{"textAlign":17},[460],{"text":461,"type":52,"marks":462},"Benchmark",[463],{"type":72},{"type":61,"attrs":465,"content":466},{"textAlign":17},[467],{"text":468,"type":52},"Premier problème : le manque de repères. Difficile de négocier quand on ne sait pas ce que paient des entreprises comparables, d’autant que les fournisseurs SaaS restent souvent peu transparents sur leurs tarifs. Savoir où l’on se situe par rapport au marché n’est donc pas un simple plus. C’est le point de départ pour identifier les prix qui méritent d’être renégociés.",{"type":61,"attrs":470,"content":471},{"textAlign":17},[472],{"text":473,"type":52,"marks":474},"Suivi de l’utilisation",[475],{"type":72},{"type":61,"attrs":477,"content":478},{"textAlign":17},[479],{"text":480,"type":52},"Deuxième enjeu : l’efficacité des dépenses. À mesure que l’IA passe de l’expérimentation à un usage plus structurant, le coût par résultat devient un indicateur clé. Il permet de distinguer les entreprises qui développent leur usage de l’IA de manière rentable de celles qui voient surtout leurs dépenses augmenter.",{"type":61,"attrs":482,"content":483},{"textAlign":17},[484],{"text":485,"type":52},"Les outils qui ont permis de mieux gérer la multiplication des SaaS doivent désormais aller plus loin. Il ne suffit plus de suivre le nombre de licences. Il faut aussi suivre la consommation réelle et comprendre comment les coûts évoluent avec l’usage.",{"type":61,"attrs":487,"content":488},{"textAlign":17},[489],{"text":490,"type":52},"Les entreprises qui considèrent les dépenses IA comme un véritable levier stratégique, plutôt que comme une simple ligne budgétaire à surveiller après coup, seront mieux placées pour prendre de l’avance dans les douze prochains mois.",{"type":61,"attrs":492,"content":493},{"textAlign":17},[494],{"text":495,"type":52,"marks":496},"Contrôles en temps réel",[497],{"type":72},{"type":61,"attrs":499,"content":500},{"textAlign":17},[501],{"text":502,"type":52},"Ce rapport met en lumière trois domaines dans lesquels les équipes Finance peuvent réaliser de véritables économies. Tous ont un point commun : une partie du gaspillage peut être évitée en intervenant au moment où la dépense a lieu, plutôt qu’une fois l’argent dépensé.",{"type":61,"attrs":504,"content":505},{"textAlign":17},[506],{"text":507,"type":52},"Des limites automatisées, des règles appliquées dès l’achat et des alertes en temps réel permettent de détecter plus tôt les dérives et d’éviter qu’elles ne s’installent durablement.",{"type":61,"attrs":509,"content":510},{"textAlign":17},[511,513],{"text":512,"type":52},"Presque toutes les équipes Finance avec lesquelles nous échangeons pensent déjà que leur entreprise fonctionne à peu près aussi efficacement que possible. ",{"text":514,"type":52,"marks":515},"Les données ci-dessous racontent une autre histoire.",[516],{"type":72},{"type":46,"attrs":518,"content":519},{"level":359,"textAlign":17},[520],{"text":521,"type":52},"1. À logiciel et taille comparables, les factures varient fortement",{"type":46,"attrs":523,"content":524},{"level":407,"textAlign":17},[525],{"text":526,"type":52,"marks":527},"Le constat : les entreprises européennes pourraient payer 7 milliards d’euros de trop par an pour leurs logiciels SaaS",[528],{"type":72},{"type":61,"attrs":530,"content":531},{"textAlign":17},[532],{"text":533,"type":52,"marks":534},"Spendesk a comparé les dépenses mensuelles par salarié sur les principaux logiciels SaaS facturés par utilisateur, en tenant compte de la taille des entreprises. L’analyse fait apparaître environ 69 millions d’euros de surcoûts annuels sur les 2 500 entreprises étudiées. Pour un même logiciel, certaines entreprises paient deux à quatre fois plus que les acheteurs les plus rigoureux.",[535],{"type":536},"italic",{"type":61,"attrs":538,"content":539},{"textAlign":17},[540],{"text":541,"type":52},"Les éditeurs de logiciels affichent leurs tarifs, mais les montants réellement payés par les entreprises peuvent être très différents. Pour plus de 35 des outils SaaS par utilisateur les plus courants, nous avons calculé la dépense mensuelle par salarié. Nous avons ensuite comparé chaque entreprise aux 25 % d’acheteurs qui obtiennent les meilleurs tarifs parmi les entreprises de taille similaire.",{"type":317,"attrs":543},{"id":415,"body":544},[545],{"_uid":546,"link":547,"asset":548,"caption":18,"component":345},"i-92ddcd76-5d61-41e8-a0ab-5811f759096d",{"id":18,"url":18,"linktype":339,"fieldtype":252,"cached_url":340,"prep":150},{"id":549,"alt":18,"name":18,"focus":18,"title":18,"source":18,"filename":550,"copyright":18,"fieldtype":19,"meta_data":551,"is_external_url":14},225652739892568,"https://a.storyblok.com/f/146026/1280x832/c62e976e57/chart-4_fr.png",{"size":424},{"type":61,"attrs":553,"content":554},{"textAlign":17},[555],{"text":556,"type":52},"Pour comparer correctement des entreprises de tailles différentes, nous avons ramené les dépenses au nombre de salariés. Et même ainsi, les écarts restent très marqués : chez Atlassian, la dépense va de 2 € à 12 € par salarié, chez Notion de 2 € à 7 €, et chez HubSpot de 6 € à 24 €. Autrement dit, à taille comparable, certaines entreprises paient encore trois à six fois plus que d’autres pour le même outil.",{"type":317,"attrs":558},{"id":415,"body":559},[560],{"_uid":561,"link":562,"asset":563,"caption":18,"component":345},"i-d617a338-3432-4e01-b1f3-26b40a973a8c",{"id":18,"url":18,"linktype":339,"fieldtype":252,"cached_url":340,"prep":150},{"id":564,"alt":18,"name":18,"focus":18,"title":18,"source":18,"filename":565,"copyright":18,"fieldtype":19,"meta_data":566,"is_external_url":14},225652931970403,"https://a.storyblok.com/f/146026/1280x832/d11365a5ce/chart-5_fr.png",{"size":424},{"type":61,"attrs":568,"content":569},{"textAlign":17},[570],{"text":571,"type":52},"Une partie des écarts peut s’expliquer par la diversité des offres proposées. C’est notamment le cas chez Adobe ou Atlassian, dont les gammes couvrent plusieurs produits et niveaux de service. Mais pour un outil plus homogène comme Slack, les différences sont plus difficiles à justifier : certaines entreprises dépensent jusqu’à trois fois plus par salarié que les acheteurs qui obtiennent les meilleurs tarifs. Le niveau d’offre choisi joue un rôle, bien sûr, mais la négociation, ou son absence, compte aussi beaucoup.",{"type":61,"attrs":573,"content":574},{"textAlign":17},[575],{"text":576,"type":52},"À produit et taille comparables, l’écart dépend notamment de la date de la dernière renégociation, du nombre de licences attribuées par rapport au nombre réellement utilisées et des conditions obtenues au moment de l’achat. Le problème, c’est que les entreprises ont rarement de vrais points de comparaison. Les fournisseurs affichent des tarifs publics, mais pas les montants effectivement payés par des entreprises similaires.",{"type":61,"attrs":578,"content":579},{"textAlign":17},[580],{"text":581,"type":52},"Remarque sur l’échantillon : nous avons volontairement exclu de ce calcul les fournisseurs cloud facturés à l’usage, comme AWS, OVH, Scaleway et Gandi. Leurs coûts évoluent avec la consommation et non avec le nombre de licences, ce qui rend la comparaison par salarié moins pertinente. Avec la même méthode de calcul, ils représenteraient 7,1 M€ supplémentaires, mais nous avons choisi de les analyser séparément plutôt que de les intégrer au chiffre principal.",{"type":317,"attrs":583},{"id":415,"body":584},[585],{"_uid":586,"link":587,"asset":588,"caption":18,"component":345},"i-dd49f37d-7b7d-4810-ba74-dbadb5a530c7",{"id":18,"url":18,"linktype":339,"fieldtype":252,"cached_url":340,"prep":150},{"id":589,"alt":18,"name":18,"focus":18,"title":18,"source":18,"filename":590,"copyright":18,"fieldtype":19,"meta_data":591,"is_external_url":14},225653132158342,"https://a.storyblok.com/f/146026/1280x832/75209041a8/chart-6_fr.png",{"size":424},{"type":61,"attrs":593,"content":594},{"textAlign":17},[595],{"text":596,"type":52},"Le montant estimé du surpaiement reste globalement stable d’une année sur l’autre, alors même que les tarifs SaaS médians ont baissé. La répartition évolue selon les fournisseurs (l’écart de HubSpot s’est creusé de 1,1 M€, tandis que celui d’Atlassian s’est réduit de 1,4 M€) mais l’écart global varie peu. Le phénomène ne semble donc pas se résorber de lui-même.",{"type":61,"attrs":598,"content":599},{"textAlign":17},[600],{"text":601,"type":52,"marks":602},"Par marché : les écarts de maîtrise tarifaire ne s’arrêtent pas aux frontières",[603],{"type":72},{"type":317,"attrs":605},{"id":415,"body":606},[607],{"_uid":608,"link":609,"asset":610,"caption":18,"component":345},"i-a652f213-8837-43a7-a2cc-79590c1393ed",{"id":18,"url":18,"linktype":339,"fieldtype":252,"cached_url":340,"prep":150},{"id":611,"alt":18,"name":18,"focus":18,"title":18,"source":18,"filename":612,"copyright":18,"fieldtype":19,"meta_data":613,"is_external_url":14},225659177527576,"https://a.storyblok.com/f/146026/1280x832/7c7910002a/figma-spend-fr.png",{"size":424},{"type":61,"attrs":615,"content":616},{"textAlign":17},[617],{"text":618,"type":52},"Quel que soit le marché observé, un même outil peut être acheté à des prix extrêmement différents. Et aucun pays ne semble avoir réellement résolu le problème. Figma en est un bon exemple. Il s’agit d’un seul produit, avec une tarification complexe qui varie selon les types de licences et la durée des contrats, vendu aux équipes design partout en Europe. Pourtant, sur chacun des marchés étudiés, l’entreprise médiane paie environ 200 € par mois, tandis que le quart des entreprises qui paient le plus dépense autour de 1 500 €. Pour un seul fournisseur, l’écart atteint ainsi 6 à 9 fois selon le pays.",{"type":61,"attrs":620,"content":621},{"textAlign":17},[622],{"text":623,"type":52},"Le Royaume-Uni est le marché où les prix sont les mieux maîtrisés. La médiane y est la plus élevée, mais les écarts sont plus resserrés et les cas de surpaiement extrême moins nombreux. La France et l’Allemagne affichent des médianes plus basses, mais aussi davantage d’entreprises qui paient des prix très supérieurs au reste du marché.",{"type":61,"attrs":625,"content":626},{"textAlign":17},[627,629,636,638,645,653,658],{"text":628,"type":52},"En combinant le surcoût moyen observé avec les données disponibles pour chaque marché, nos estimations indiquent environ 1,2 milliard d’euros de dépenses excessives en France (",{"text":630,"type":52,"marks":631},"EURES",[632],{"type":379,"attrs":633},{"href":634,"uuid":17,"anchor":17,"target":635,"linktype":251},"https://eures.europa.eu/living-and-working/labour-market-information/labour-market-information-france_en","_blank",{"text":637,"type":52},")et 1,4 milliard d’euros au Royaume-Uni ",{"text":639,"type":52,"marks":640},"(",[641],{"type":642,"attrs":643},"textStyle",{"color":644},"#191B1B",{"text":646,"type":52,"marks":647},"House of Commons Library",[648,651],{"type":379,"attrs":649},{"href":650,"uuid":17,"anchor":17,"target":17,"linktype":251},"http://commonslibrary.parliament.uk/research-briefings/sn06152/",{"type":652},"underline",{"text":654,"type":52,"marks":655},")",[656],{"type":642,"attrs":657},{"color":644},{"text":659,"type":52},".",{"type":46,"attrs":661,"content":662},{"level":359,"textAlign":17},[663],{"text":664,"type":52},"2. Outils en doublon : des coûts qui passent sous le radar des équipes",{"type":46,"attrs":666,"content":667},{"level":407,"textAlign":17},[668],{"text":669,"type":52,"marks":670},"Le constat : utiliser plusieurs outils pour répondre au même besoin est devenu très courant",[671],{"type":72},{"type":61,"attrs":673,"content":674},{"textAlign":17},[675,679,684,688,693,697,702,706,711],{"text":676,"type":52,"marks":677},"Spendesk a analysé les chevauchements d’abonnements entre différentes catégories de logiciels à partir de ses données transactionnelles. Sur l’ensemble de l’échantillon, l’analyse fait apparaître environ ",[678],{"type":536},{"text":680,"type":52,"marks":681},"15 millions d’euros par an de dépenses potentiellement récupérables liées aux outils en doublon",[682,683],{"type":72},{"type":536},{"text":685,"type":52,"marks":686},", soit près de ",[687],{"type":536},{"text":689,"type":52,"marks":690},"3 milliards d’euros à l’échelle européenne",[691,692],{"type":72},{"type":536},{"text":694,"type":52,"marks":695}," après extrapolation. Plus des deux tiers de ce montant se concentrent dans l’IA et le design, deux catégories où ",[696],{"type":536},{"text":698,"type":52,"marks":699},"72 %",[700,701],{"type":72},{"type":536},{"text":703,"type":52,"marks":704}," et ",[705],{"type":536},{"text":707,"type":52,"marks":708},"64 %",[709,710],{"type":72},{"type":536},{"text":712,"type":52,"marks":713}," des entreprises, respectivement, paient pour au moins deux solutions concurrentes.",[714],{"type":536},{"type":61,"attrs":716,"content":717},{"textAlign":17},[718,720,724,726,729],{"text":719,"type":52},"Parmi les entreprises qui utilisent des outils d’IA, ",{"text":721,"type":52,"marks":722},"72 % paient pour au moins deux solutions concurrentes",[723],{"type":72},{"text":725,"type":52},". Dans le design, la proportion atteint ",{"text":707,"type":52,"marks":727},[728],{"type":72},{"text":730,"type":52},". Lorsqu’un nouvel outil est adopté, les abonnements déjà en place sont rarement remis à plat au même moment. Les entreprises ajoutent plus souvent qu’elles ne rationalisent.",{"type":61,"attrs":732,"content":733},{"textAlign":17},[734,736],{"text":735,"type":52},"En conséquence, les usages se chevauchent et les coûts s’accumulent. ",{"text":737,"type":52,"marks":738},"Les doublons ne concernent pas quelques entreprises mal organisées : ils sont devenus la norme dans presque toutes les catégories que nous avons étudiées.",[739],{"type":72},{"type":317,"attrs":741},{"id":415,"body":742},[743],{"_uid":744,"link":745,"asset":746,"caption":18,"component":345},"i-7d84c432-9bea-48f7-8d33-086e0a8417ab",{"id":18,"url":18,"linktype":339,"fieldtype":252,"cached_url":340,"prep":150},{"id":747,"alt":18,"name":18,"focus":18,"title":18,"source":18,"filename":748,"copyright":18,"fieldtype":19,"meta_data":749,"is_external_url":14},225653566236084,"https://a.storyblok.com/f/146026/1280x832/1a374b8d25/chart-8_fr.png",{"size":424},{"type":61,"attrs":751,"content":752},{"textAlign":17},[753],{"text":754,"type":52},"Les catégories où les doublons sont les plus fréquents sont aussi celles qui évoluent le plus vite, notamment l’IA et le design. Ce n’est pas vraiment surprenant. Dans ces domaines, les équipes commencent souvent par tester plusieurs outils avant de faire un choix. Le problème, c’est que ces tests se transforment facilement en abonnements durables, sans que les solutions devenues inutiles soient forcément supprimées.",{"type":61,"attrs":756,"content":757},{"textAlign":17},[758],{"text":759,"type":52},"Pour la Finance, l’enjeu n’est donc pas de traquer les mauvais usages, mais de mieux encadrer le processus. Sans revue régulière des outils et des fournisseurs, les nouveaux abonnements s’ajoutent aux anciens. Et lorsque vient le moment de réduire les coûts, il devient beaucoup plus difficile de savoir lesquels conserver, renégocier ou supprimer.",{"type":61,"attrs":761,"content":762},{"textAlign":17},[763],{"text":764,"type":52},"Chez Spendesk, nous sommes confrontés au même sujet. Nous utilisons par exemple Dust et Claude, deux assistants IA, mais pour des besoins différents. La différence, c’est que ce choix est volontaire, connu de la Finance et suivi dans le temps. Chaque outil a une utilité clairement identifiée. Le problème n’est donc pas d’utiliser plusieurs solutions en parallèle, mais de les laisser s’accumuler sans raison précise ni décision explicite.",{"type":317,"attrs":766},{"id":319,"body":767},[768],{"_uid":769,"name":770,"role":18,"image":771,"quote":773,"component":774},"i-c8b670e2-3dd3-4c5e-b9a1-9bb7e971dd92","Pauline Bellee Babel - CFO, Spendesk",{"id":17,"alt":17,"name":18,"focus":17,"title":17,"source":17,"filename":18,"copyright":17,"fieldtype":19,"meta_data":772},{},"Utiliser deux outils d’IA pour des tâches qui se chevauchent n’est pas ce qui m’inquiète le plus. Ce qui m’inquiète réellement, c’est d’avoir deux outils d’IA que personne côté Finance n’a validés. Dust et Claude figurent dans nos dépenses parce que nous avons décidé qu’ils devaient y être : leur utilisation est suivie, un responsable de la dépense est identifié et chacun répond à un besoin précis. C’est le niveau d’exigence à viser : non pas supprimer systématiquement les doublons, mais s’assurer que chacun repose sur un choix clair, un usage identifié et un suivi réel.","quote",{"type":61,"attrs":776},{"textAlign":17},{"type":317,"attrs":778},{"id":779,"body":780},"952e3b4a-a01d-44dc-892a-0f13ec514650",[781],{"_uid":782,"link":783,"asset":784,"caption":18,"component":345},"i-d71438db-c03b-4cc8-a2cc-6dcbb7fea0c7",{"id":18,"url":18,"linktype":339,"fieldtype":252,"cached_url":340,"prep":150},{"id":785,"alt":18,"name":18,"focus":18,"title":18,"source":18,"filename":786,"copyright":18,"fieldtype":19,"meta_data":787,"is_external_url":14},225653795325409,"https://a.storyblok.com/f/146026/1280x832/3409999e87/chart-9_fr.png",{"size":424},{"type":61,"attrs":789,"content":790},{"textAlign":17},[791],{"text":792,"type":52,"marks":793},"D’une année sur l’autre : l’utilisation de plusieurs outils d’IA en parallèle s’est nettement accélérée",[794],{"type":72},{"type":61,"attrs":796,"content":797},{"textAlign":17},[798],{"text":799,"type":52},"Il y a un an, les entreprises qui utilisaient des LLM se limitaient le plus souvent à un seul outil. Seules 29 % en utilisaient plusieurs en parallèle. Aujourd’hui, la médiane est passée à deux outils, et 65 % des entreprises en utilisent au moins deux. Dans le même temps, les dépenses liées à ces usages parallèles sont passées de 0,3 M€ à 4,5 M€, à mesure que les phases de test se sont transformées en abonnements payants.",{"type":61,"attrs":801,"content":802},{"textAlign":17},[803],{"text":804,"type":52},"Cela ne veut pas dire qu’utiliser plusieurs modèles est forcément un problème. Certains outils répondent à des besoins différents : l’un peut être utilisé pour les tâches générales, un autre pour le développement, un troisième pour des usages plus spécialisés. ",{"type":61,"attrs":806,"content":807},{"textAlign":17},[808],{"text":809,"type":52,"marks":810},"Par marché : des comportements différents selon le type de dépense",[811],{"type":72},{"type":61,"attrs":813,"content":814},{"textAlign":17},[815,819,821,825,827,831],{"text":816,"type":52,"marks":817},"En matière d’utilisation des outils",[818],{"type":72},{"text":820,"type":52},", la France affiche le taux de duplication le plus faible des quatre marchés étudiés. ",{"text":822,"type":52,"marks":823},"63 %",[824],{"type":72},{"text":826,"type":52}," des entreprises y utilisent au moins deux fournisseurs concurrents dans une même catégorie, contre ",{"text":828,"type":52,"marks":829},"74 à 77 %",[830],{"type":72},{"text":832,"type":52}," en Allemagne et au Royaume-Uni. Cela n’empêche pas la France de concentrer le montant total de dépenses en doublon le plus élevé.",{"type":61,"attrs":834,"content":835},{"textAlign":17},[836,838,842,844,848,850,854],{"text":837,"type":52},"À l’échelle de chaque entreprise concernée, c’est toutefois au Royaume-Uni que le coût est le plus important : environ ",{"text":839,"type":52,"marks":840},"12 400 € par an",[841],{"type":72},{"text":843,"type":52},", contre ",{"text":845,"type":52,"marks":846},"9 800 €",[847],{"type":72},{"text":849,"type":52}," en Allemagne et ",{"text":851,"type":52,"marks":852},"9 100 €",[853],{"type":72},{"text":855,"type":52}," en France. Pris comme moyenne générale afin d'éviter les biais liés aux plus petites entreprises, et extrapolé au nombre de PME en France, ce chiffre représente 272 millions d'euros laissés sur la table.",{"type":317,"attrs":857},{"id":858,"body":859},"1e9f1ffa-b63e-419d-a04a-1a81c15a4099",[860],{"_uid":861,"name":862,"role":18,"image":863,"quote":865,"component":774},"i-dced8665-674e-44b2-a505-483595c6b83a","Responsable Finance - Retail Insight",{"id":17,"alt":17,"name":18,"focus":17,"title":17,"source":17,"filename":18,"copyright":17,"fieldtype":19,"meta_data":864},{},"Ce qui pose problème, c’est surtout ce qu’on ne voit pas. Je crois que c’est aussi simple que ça… Nous ne voulons pas payer deux fois pour des logiciels qui font la même chose. Et nous ne voulons pas non plus arriver à un renouvellement sans avoir vu venir l’échéance et sans avoir pu nous y préparer plusieurs mois à l’avance.",{"type":61,"attrs":867},{"textAlign":17},{"type":46,"attrs":869,"content":870},{"level":359,"textAlign":17},[871],{"text":872,"type":52},"3. Dépenses IA en Europe : des coûts en forte hausse, encore trop peu maîtrisés",{"type":46,"attrs":874,"content":875},{"level":407,"textAlign":17},[876],{"text":877,"type":52,"marks":878},"Le constat : les factures IA des entreprises européennes peuvent varier de plus de 7 fois d’un mois à l’autre, ce qui les rend difficiles à prévoir",[879],{"type":72},{"type":61,"attrs":881,"content":882},{"textAlign":17},[883],{"text":884,"type":52,"marks":885},"Les dépenses liées à l’IA restent particulièrement volatiles. Pour l’entreprise médiane, la facture mensuelle varie d’environ 62 %, et le mois le plus coûteux représente plus de sept fois le mois le moins cher. Parmi les 1 347 entreprises ayant enregistré au moins trois mois consécutifs de dépenses IA, 60 % présentent de fortes variations d’un mois à l’autre. Pour les équipes Finance, cette volatilité complique directement les prévisions.",[886],{"type":536},{"type":61,"attrs":888,"content":889},{"textAlign":17},[890],{"text":891,"type":52},"Mieux suivre les dépenses IA devient donc un levier d’économies à part entière. Une consommation de tokens qui s’emballe ne peut être repérée, puis maîtrisée, que si les variations sont suivies de près.",{"type":317,"attrs":893},{"id":415,"body":894},[895],{"_uid":896,"link":897,"asset":898,"caption":18,"component":345},"i-fd0cfcb2-294c-4268-8d9e-cc22fc986471",{"id":18,"url":18,"linktype":339,"fieldtype":252,"cached_url":340,"prep":150},{"id":899,"alt":18,"name":18,"focus":18,"title":18,"source":18,"filename":900,"copyright":18,"fieldtype":19,"meta_data":901,"is_external_url":14},225659905984902,"https://a.storyblok.com/f/146026/1280x832/01139090b3/ia-spend-fr.png",{},{"type":61,"attrs":903,"content":904},{"textAlign":17},[905,907,911,913,917],{"text":906,"type":52},"Pour l’entreprise médiane, la facture mensuelle liée à l’IA varie de ",{"text":908,"type":52,"marks":909},"±61 % d’un mois à l’autre",[910],{"type":72},{"text":912,"type":52},". Et parmi les entreprises dont l’usage de l’IA reste relativement régulier, ",{"text":914,"type":52,"marks":915},"60 % connaissent malgré tout de fortes variations de facture",[916],{"type":72},{"text":918,"type":52},". La tarification à l’usage fonctionne bien côté fournisseur. Pour la Finance, elle complique sérieusement les prévisions.",{"type":61,"attrs":920,"content":921},{"textAlign":17},[922,924,928,930,934,936,940],{"text":923,"type":52},"Sur les ",{"text":925,"type":52,"marks":926},"2 500 entreprises",[927],{"type":72},{"text":929,"type":52}," de notre échantillon, nous avons analysé les ",{"text":931,"type":52,"marks":932},"1 347",[933],{"type":72},{"text":935,"type":52}," qui avaient enregistré au moins trois mois consécutifs de dépenses IA. Pour l’entreprise type, ",{"text":937,"type":52,"marks":938},"le mois le plus cher représente plus de 6,5 fois le mois le moins cher",[939],{"type":72},{"text":941,"type":52},". Un tel écart est difficile à anticiper avec une ligne budgétaire fixe.",{"type":61,"attrs":943,"content":944},{"textAlign":17},[945,947,951],{"text":946,"type":52},"C’est précisément là que les modèles budgétaires classiques du SaaS atteignent leurs limites. Ils reposent généralement sur des coûts mensuels relativement stables. ",{"text":948,"type":52,"marks":949},"L’IA fonctionne moins comme un abonnement que comme un service facturé à la consommation",[950],{"type":72},{"text":952,"type":52},", dont la facture évolue directement avec l’usage.",{"type":61,"attrs":954,"content":955},{"textAlign":17},[956,958,962],{"text":957,"type":52},"Face à cette volatilité, une simple ligne budgétaire ne suffit plus. Le plus efficace est de combiner ",{"text":959,"type":52,"marks":960},"une limite de dépense avec des alertes en temps réel sur une carte intelligente",[961],{"type":72},{"text":963,"type":52},". C’est là que le suivi prend toute sa valeur : une équipe qui voit les variations au moment où elles se produisent peut repérer une consommation anormale de tokens dès la première semaine, plutôt qu’au moment de la clôture.",{"type":61,"attrs":965,"content":966},{"textAlign":17},[967,969,973],{"text":968,"type":52},"Avec ce niveau de contrôle, les dépenses IA deviennent beaucoup plus prévisibles. À l’inverse, les équipes Finance qui continuent de les gérer comme un abonnement classique risquent de ",{"text":970,"type":52,"marks":971},"sous-contrôler précisément la catégorie de dépenses logicielles qui progresse le plus vite et reste la plus difficile à anticiper",[972],{"type":72},{"text":659,"type":52},{"type":61,"attrs":975,"content":976},{"textAlign":17},[977],{"text":978,"type":52,"marks":979},"Par marché : la volatilité des dépenses IA reste élevée partout en Europe",[980],{"type":72},{"type":317,"attrs":982},{"id":415,"body":983},[984],{"_uid":985,"link":986,"asset":987,"caption":18,"component":345},"i-930db4a9-9dc5-4628-86bf-3f85a68d69ab",{"id":18,"url":18,"linktype":339,"fieldtype":252,"cached_url":340,"prep":150},{"id":988,"alt":18,"name":18,"focus":18,"title":18,"source":18,"filename":989,"copyright":18,"fieldtype":19,"meta_data":990,"is_external_url":14},225660188559797,"https://a.storyblok.com/f/146026/1280x832/e92c5c2ec2/volatility-fr.png",{},{"type":61,"attrs":992,"content":993},{"textAlign":17},[994],{"text":995,"type":52},"D’un marché à l’autre, les écarts de prix et les habitudes d’utilisation peuvent varier fortement. En revanche, la volatilité des factures IA reste très similaire partout en Europe.",{"type":61,"attrs":997,"content":998},{"textAlign":17},[999,1001,1005,1007,1011],{"text":1000,"type":52},"Dans tous les marchés étudiés, la variation médiane se situe entre ",{"text":1002,"type":52,"marks":1003},"55 et 65 %",[1004],{"type":72},{"text":1006,"type":52},", et ",{"text":1008,"type":52,"marks":1009},"55 à 62 % des entreprises",[1010],{"type":72},{"text":1012,"type":52}," présentent des factures très fluctuantes. Autrement dit, aucun pays ne se démarque vraiment par une meilleure maîtrise de cette volatilité.",{"type":61,"attrs":1014,"content":1015},{"textAlign":17},[1016,1018,1022,1024,1028,1030,1034],{"text":1017,"type":52},"Les différences restent limitées. La catégorie « reste de l’Europe » affiche la variation médiane la plus élevée, à ",{"text":1019,"type":52,"marks":1020},"65 %",[1021],{"type":72},{"text":1023,"type":52},". L’Allemagne est la plus stable, à ",{"text":1025,"type":52,"marks":1026},"56 %",[1027],{"type":72},{"text":1029,"type":52},", tandis que le Royaume-Uni compte la plus forte proportion d’entreprises dont les factures varient fortement, avec ",{"text":1031,"type":52,"marks":1032},"62 %",[1033],{"type":72},{"text":1035,"type":52},". Mais même en Allemagne, plus d’une entreprise sur deux voit ses dépenses IA varier de plus de 50 % d’un mois à l’autre.",{"type":61,"attrs":1037,"content":1038},{"textAlign":17},[1039],{"text":1040,"type":52},"C’est justement ce qui distingue la volatilité des autres problèmes évoqués dans ce rapport. Les doublons ou les écarts de prix peuvent être réduits grâce à de meilleurs processus et davantage de contrôle. La variation des dépenses IA, elle, est directement liée à la facturation à l’usage. Elle ne peut donc pas être supprimée, mais elle peut être mieux maîtrisée.",{"type":61,"attrs":1042,"content":1043},{"textAlign":17},[1044],{"text":1045,"type":52},"C’est là que les limites de dépense et les alertes en temps réel prennent tout leur sens. En centralisant les dépenses et en donnant aux équipes Finance une meilleure visibilité sur leur évolution, Spendesk permet de garder le contrôle sans ralentir les autres équipes.",{"type":46,"attrs":1047,"content":1048},{"level":359,"textAlign":17},[1049],{"text":1050,"type":52},"4. Comment Spendesk aide à mieux maîtriser les dépenses",{"type":61,"attrs":1052,"content":1053},{"textAlign":17},[1054,1056,1060],{"text":1055,"type":52},"L’objectif n’est pas de freiner l’utilisation des logiciels ou de l’IA. Il est de ",{"text":1057,"type":52,"marks":1058},"rendre ces dépenses visibles, intentionnelles et liées à des résultats concrets",[1059],{"type":72},{"text":659,"type":52},{"type":61,"attrs":1062,"content":1063},{"textAlign":17},[1064],{"text":1065,"type":52},"Cela commence par une vue claire des abonnements, factures et paiements par carte. Chaque outil doit pouvoir être rattaché à un responsable, une équipe, un usage, une date de renouvellement et, lorsque c’est possible, à son utilisation réelle. La Finance peut alors repérer les doublons, les renouvellements qui passent sous le radar ou une hausse inattendue des dépenses IA avant qu’ils ne s’installent durablement dans les coûts de l’entreprise.",{"type":61,"attrs":1067,"content":1068},{"textAlign":17},[1069,1071],{"text":1070,"type":52},"Cette maîtrise devient encore plus importante lorsque les dépenses varient fortement. Pour les SaaS à prix fixe, les circuits d’approbation et les revues avant renouvellement permettent d’éviter de prolonger des licences inutilisées ou des outils redondants. Pour l’IA facturée à l’usage, des limites de dépenses et des alertes en temps réel permettent de détecter rapidement une hausse inhabituelle. ",{"text":1072,"type":52,"marks":1073},"La Finance garde ainsi la main sans transformer chaque achat en parcours d’obstacles.",[1074],{"type":72},{"type":61,"attrs":1076,"content":1077},{"textAlign":17},[1078],{"text":1079,"type":52},"Mais la visibilité ne sert à rien si elle ne débouche pas sur de meilleures décisions. L’étape suivante consiste à relier les dépenses logicielles et IA à ce qu’elles apportent réellement à l’entreprise, qu’il s’agisse de temps gagné, de production supplémentaire, de clients accompagnés ou de revenus générés.",{"type":61,"attrs":1081,"content":1082},{"textAlign":17},[1083,1085,1089,1091],{"text":1084,"type":52},"Un outil peut tout à fait mériter sa place même s’il recoupe en partie les fonctionnalités d’un autre, à condition que son rôle soit clair et que sa valeur puisse être mesurée. La bonne question n’est donc pas seulement ",{"text":1086,"type":52,"marks":1087},"« que peut-on supprimer ? »",[1088],{"type":72},{"text":1090,"type":52},", mais plutôt ",{"text":1092,"type":52,"marks":1093},"« qu’est-ce que cette dépense permet réellement à l’entreprise d’accomplir ? »",[1094],{"type":72},{"type":61,"attrs":1096,"content":1097},{"textAlign":17},[1098],{"text":1099,"type":52},"C’est là que Spendesk intervient en réunissant paiements, approbations et reporting dans une même vue. La Finance et les équipes disposent ainsi des mêmes informations pour décider quoi conserver, ajuster ou développer.",{"type":61,"attrs":1101,"content":1102},{"textAlign":17},[1103],{"text":1104,"type":52},"Avec les bons contrôles, l’entreprise peut continuer à tester de nouveaux outils sans laisser ces dépenses devenir invisibles. Les équipes gardent les solutions dont elles ont besoin, tandis que la Finance conserve le contexte, les garde-fous et la visibilité nécessaires pour développer ce qui fonctionne.",{"type":61,"attrs":1106,"content":1107},{"textAlign":17},[1108,1110,1116],{"text":1109,"type":52},"Contactez l’",{"text":1111,"type":52,"marks":1112},"équipe Spendesk",[1113],{"type":379,"attrs":1114},{"href":1115,"uuid":17,"anchor":17,"target":17,"linktype":251},"https://spendesk-staging.netlify.app/schedule-a-demo/",{"text":1117,"type":52}," pour en savoir plus.",{"type":46,"attrs":1119,"content":1120},{"level":407,"textAlign":17},[1121],{"text":1122,"type":52,"marks":1123},"L’échantillon",[1124],{"type":72},{"type":61,"attrs":1126,"content":1127},{"textAlign":17},[1128],{"text":1129,"type":52},"L’échantillon couvre 2 500 entreprises européennes actives entre juin 2025 et juin 2026, réparties dans neuf secteurs et quatre tranches de taille. Il reflète assez fidèlement la structure du marché européen : 91 % des entreprises étudiées comptent moins de 250 salariés, en ligne avec la réalité du tissu économique européen.",{"type":317,"attrs":1131},{"id":1132,"body":1133},"a12a5de5-f045-4c8f-8b04-af130cd76221",[1134],{"_uid":1135,"link":1136,"asset":1137,"caption":18,"component":345},"f56620d3-f3a2-4dda-a70f-e477cfc21b7c",{"id":18,"url":18,"linktype":339,"fieldtype":252,"cached_url":340,"prep":150},{"id":1138,"alt":18,"name":18,"focus":18,"title":18,"source":18,"filename":1139,"copyright":18,"fieldtype":19,"meta_data":1140,"is_external_url":14},225651866846443,"https://a.storyblok.com/f/146026/1280x832/448b15237b/sample_fr.png",{"size":424},{"type":61,"attrs":1142},{"textAlign":17},{"type":317,"attrs":1144},{"id":415,"body":1145},[1146],{"_uid":1147,"link":1148,"asset":1149,"caption":18,"component":345},"i-6474d144-3f9f-4803-9558-eca8f3236d7f",{"id":18,"url":18,"linktype":339,"fieldtype":252,"cached_url":340,"prep":150},{"id":1150,"alt":18,"name":18,"focus":18,"title":18,"source":18,"filename":1151,"copyright":18,"fieldtype":19,"meta_data":1152,"is_external_url":14},225652077384978,"https://a.storyblok.com/f/146026/1280x832/8575e3bece/chart-2_fr.png",{"size":424},{"type":61,"attrs":1154,"content":1155},{"textAlign":17},[1156,1158,1167],{"text":1157,"type":52},"Pour modéliser les chiffres indicatifs à l’échelle du marché, nous nous sommes appuyés sur les statistiques structurelles sur les entreprises d’Eurostat, concernant les entreprises de l’UE-27 employant entre 50 et 249 personnes. Les données provisoires de 2024 recensent 250 670 entreprises européennes dans cette tranche d’effectifs. Pour estimer les tendances propres à la France, nous avons utilisé les données les plus récentes ",{"text":1159,"type":52,"marks":1160},"++d'Eurostat++",[1161,1164],{"type":379,"attrs":1162},{"href":1163,"uuid":17,"anchor":17,"target":635,"linktype":251},"http://ec.europa.eu/eurostat/databrowser/view/sbs_sc_ovw__custom_11201597/default/table?lang=en",{"type":642,"attrs":1165},{"color":1166},"inherit",{"text":1168,"type":52}," (2022), qui indiquent environ 30 000 entreprises de 50 à 249 salariés.",{"type":46,"attrs":1170,"content":1171},{"level":407,"textAlign":17},[1172],{"text":1173,"type":52,"marks":1174},"La méthode",[1175],{"type":72},{"type":61,"attrs":1177,"content":1178},{"textAlign":17},[1179],{"text":1180,"type":52},"Pour comprendre comment les entreprises européennes achètent leurs logiciels et combien elles y consacrent, nous sommes partis des paiements réellement effectués, et non d’une liste prédéfinie de fournisseurs SaaS.",{"type":61,"attrs":1182,"content":1183},{"textAlign":17},[1184],{"text":1185,"type":52},"L’analyse repose sur un panel fixe de 2 568 entreprises européennes réparties dans 14 pays, avec des paiements par carte et par facture enregistrés entre juin 2025 et juin 2026.",{"type":61,"attrs":1187,"content":1188},{"textAlign":17},[1189],{"text":1190,"type":52},"Les factures et virements permettent d’identifier précisément les fournisseurs et de regrouper leurs différentes entités sous un même nom. Pour les paiements par carte, nous nous appuyons sur le libellé de la transaction, comme OPENAI *CHATGPT SUBSCR ou CLAUDE.AI SUBSCRIPTION, afin de rattacher chaque dépense au bon fournisseur.",{"type":61,"attrs":1192,"content":1193},{"textAlign":17},[1194],{"text":1195,"type":52},"Nous avons ensuite écarté les dépenses qui ne concernent pas les logiciels, comme la publicité, les RH et la paie, les voyages, les télécommunications, la banque, le matériel ou encore le retail. Seuls les fournisseurs présents chez au moins 20 entreprises du panel ont été retenus.",{"type":61,"attrs":1197,"content":1198},{"textAlign":17},[1199],{"text":1200,"type":52},"Au total, 380 fournisseurs de logiciels ont été identifiés. Parmi eux, 112 apparaissent à la fois dans les paiements par carte et par facture, 265 uniquement sur facture et 3 uniquement par carte.",{"type":61,"attrs":1202,"content":1203},{"textAlign":17},[1204],{"text":1205,"type":52},"Le croisement de ces deux sources est particulièrement important pour les outils d’IA, de design et de développement, souvent payés par carte. Les cartes représentent par exemple environ deux tiers des dépenses chez Anthropic et la grande majorité de celles consacrées à GitHub.",{"type":61,"attrs":1207,"content":1208},{"textAlign":17},[1209,1213],{"text":1210,"type":52,"marks":1211},"Limites.",[1212],{"type":72},{"text":1214,"type":52}," Cette méthode n’est pas parfaite. La classification des fournisseurs repose sur des règles et nous estimons qu’environ 10 à 15 % des fournisseurs les moins représentés peuvent encore correspondre à des services hors logiciels. Certains paiements par carte peuvent aussi ne pas être comptabilisés lorsque leur libellé est trop difficile à interpréter. En revanche, ils ne sont jamais attribués au mauvais fournisseur. Ces limites ne remettent pas en cause les principaux résultats présentés ci-dessous.",{"name":1216,"created_at":1217,"published_at":127,"updated_at":1218,"id":1219,"uuid":1220,"content":1221,"slug":1228,"full_slug":1229,"sort_by_date":17,"position":161,"tag_list":1230,"is_startpage":14,"parent_id":1231,"meta_data":17,"group_id":1232,"first_published_at":1233,"release_id":17,"lang":141,"path":17,"alternates":1234,"default_full_slug":1235,"translated_slugs":1236,"_stopResolving":150},"Article","2022-08-16T21:22:30.004Z","2026-03-12T10:47:19.141Z",176457684,"8247dae6-c25f-40a0-a55e-abc94cf94989",{"_uid":1222,"icon":1223,"name":1216,"component":1227},"407a665a-29cb-4d52-87ff-12de3e192c58",{"id":1224,"alt":1225,"name":18,"focus":18,"title":18,"filename":1226,"copyright":18,"fieldtype":19,"is_external_url":14},5859474,"edit-img","https://a.storyblok.com/f/146026/x/fd72101ce9/edit.svg","category","article","fr/blog/category/article",[],176456151,"124984e3-bd16-480f-bdda-d9b6ec869fc7","2022-11-02T15:25:23.777Z",[],"blog/category/article",[1237,1238,1239],{"path":1235,"name":17,"lang":141,"published":17},{"path":1235,"name":17,"lang":147,"published":17},{"path":1235,"name":17,"lang":149,"published":17},[141],[],[],"2026-09-21 00:00",[1245],{"_uid":1246,"link":1247,"asset":1248,"caption":18,"component":345},"7b5d4e87-ee46-4fff-ba30-9decfe28d691",{"id":18,"url":18,"linktype":339,"fieldtype":252,"cached_url":340,"prep":150},{"id":1249,"alt":18,"name":18,"focus":18,"title":18,"source":18,"filename":1250,"copyright":18,"fieldtype":19,"meta_data":1251,"is_external_url":14},226349936372642,"https://a.storyblok.com/f/146026/2220x1461/089523cf50/blog-fr.png",{},"Les entreprises européennes pourraient surpayer leurs logiciels SaaS de 7 Md€ par an, tandis que leurs factures IA varient désormais de 61 % d’un mois à l’autre. Découvrez les données Spendesk 2026 sur les dépenses en Europe.",[1254],{"cta":1255,"_uid":1269,"image":1270,"title":1275,"subtitle":18,"component":1278,"imageFullWidth":150},[1256],{"tag":18,"_uid":1257,"hide":14,"icon":1258,"link":1260,"type":18,"label":18,"style":253,"component":254,"mobileLabel":18,"onClickEvent":18,"openInANewTab":150,"horizontalFill":14},"559eb7f3-d0d1-420f-929a-0c732e4886f6",{"id":17,"alt":17,"name":18,"focus":17,"title":17,"source":17,"filename":18,"copyright":17,"fieldtype":19,"meta_data":1259},{},{"id":1261,"url":18,"linktype":339,"fieldtype":252,"cached_url":1262,"prep":150,"story":1263},"92c675ca-b9a9-4a17-9ac3-8b5dd3221fc4","/fr/schedule-a-demo/",{"name":1264,"id":1265,"uuid":1261,"slug":1266,"url":1267,"full_slug":1268,"_stopResolving":150},"Schedule a demo",126838129,"schedule-a-demo","schedule-a-demo/","fr/schedule-a-demo/","8b3fdf1e-0536-41ce-bd2b-6418c212ff22",{"id":1271,"alt":18,"name":18,"focus":18,"title":18,"source":18,"filename":1272,"copyright":18,"fieldtype":19,"meta_data":1273,"is_external_url":14},221048906244316,"https://a.storyblok.com/f/146026/1700x465/e88345cf2d/made-in-europe-paris.png",{"size":1274},"1700x465",{"type":43,"content":1276},[1277],{"type":61},"ctaBlock",[1280],{"cta":1281,"_uid":1282,"items":1283,"heading":1381,"reverse":14,"component":1406,"sectionSettings":1407},[],"c53a17e3-2f34-45eb-96aa-8a0aa98aff4c",[1284,1298,1309,1322,1335,1346,1359,1370],{"_uid":1285,"hide":14,"title":1286,"component":1287,"description":1288},"298b7db2-f4d8-463e-8f25-542b89772cd4","Qu’est-ce que la gestion des dépenses SaaS, et pourquoi est-elle importante pour les équipes Finance ?","faqItem",{"type":43,"attrs":1289,"content":1290},{"backgroundColor":17},[1291,1296],{"type":61,"attrs":1292,"content":1293},{"textAlign":17},[1294],{"text":1295,"type":52},"La gestion des dépenses SaaS consiste à suivre, approuver, contrôler et réévaluer les abonnements logiciels utilisés dans l’entreprise. Elle permet aux équipes Finance de savoir qui est responsable de chaque outil, combien il coûte, s’il est réellement utilisé et quand son renouvellement est prévu. Les entreprises peuvent ainsi identifier les dépenses inutiles, comparer les prix et éviter les renouvellements dont elles n’ont pas besoin.",{"type":46,"attrs":1297},{"level":407,"textAlign":17},{"_uid":1299,"hide":14,"title":1300,"component":1287,"description":1301},"2205b34b-3642-467d-b57d-00f74eb0ea8a","Combien les entreprises européennes dépensent-elles en logiciels SaaS ?",{"type":43,"attrs":1302,"content":1303},{"backgroundColor":17},[1304],{"type":61,"attrs":1305,"content":1306},{"textAlign":17},[1307],{"text":1308,"type":52},"Selon l’étude de Spendesk, l’entreprise européenne moyenne de notre échantillon dépense près de 250 000 € par an en logiciels.",{"_uid":1310,"hide":14,"title":1311,"component":1287,"description":1312},"fc248c7d-c0ef-42f2-8896-bd99d597a6fa","Comment les équipes Finance peuvent-elles suivre les abonnements SaaS utilisés par plusieurs départements ?",{"type":43,"attrs":1313,"content":1314},{"backgroundColor":17},[1315,1320],{"type":61,"attrs":1316,"content":1317},{"textAlign":17},[1318],{"text":1319,"type":52},"Les équipes Finance doivent disposer d’une vue centralisée des factures, paiements par carte et abonnements récurrents, avec pour chaque outil le département concerné, le responsable de la dépense, les informations d’utilisation et la date de renouvellement. Cette approche remplace les feuilles de calcul dispersées par un processus cohérent permettant de suivre les dépenses logicielles, d’anticiper les renouvellements et d’identifier les possibilités de consolidation ou de renégociation.",{"type":46,"attrs":1321},{"level":407,"textAlign":17},{"_uid":1323,"hide":14,"title":1324,"component":1287,"description":1325},"2cb2bede-0d0e-469e-9e2b-4bc8df677c31","Comment identifier et supprimer les abonnements en doublon ou devenus inutiles ?",{"type":43,"attrs":1326,"content":1327},{"backgroundColor":17},[1328,1333],{"type":61,"attrs":1329,"content":1330},{"textAlign":17},[1331],{"text":1332,"type":52},"Les entreprises peuvent comparer les fournisseurs par catégorie, examiner leur niveau d’utilisation et leur responsable, puis identifier les abonnements qui n’ont plus d’utilisateurs actifs ou de raison d’être claire. Dans notre échantillon, 72 % des entreprises utilisant des outils d’IA payaient pour au moins deux solutions concurrentes, tandis que 64 % des utilisateurs de logiciels de design disposaient d’abonnements parallèles. Des workflows d’approbation, un responsable clairement identifié pour chaque dépense et des revues avant renouvellement permettent d’éviter que des outils inutilisés ou en doublon continuent d’être facturés sans que personne ne s’en rende compte.",{"type":46,"attrs":1334},{"level":407,"textAlign":17},{"_uid":1336,"hide":14,"title":1337,"component":1287,"description":1338},"8040349d-c86b-4a5f-a574-21a2cddd5e03","Comment les cartes virtuelles et les contrôles des dépenses peuvent-ils aider à gérer les abonnements SaaS et les coûts liés à l’IA ?",{"type":43,"attrs":1339,"content":1340},{"backgroundColor":17},[1341],{"type":61,"attrs":1342,"content":1343},{"textAlign":17},[1344],{"text":1345,"type":52},"Les cartes virtuelles et les contrôles associés aux cartes intelligentes permettent de mieux identifier et gérer les dépenses logicielles récurrentes ou facturées à l’usage. Les équipes Finance peuvent définir des limites de dépense, suivre les transactions en temps réel et recevoir des alertes en cas de hausse inattendue des coûts. Pour les abonnements SaaS à prix fixe, des revues avant renouvellement et une responsabilité clairement définie permettent d’éviter que des dépenses non approuvées continuent d’être facturées.",{"_uid":1347,"hide":14,"title":1348,"component":1287,"description":1349},"36d62fa2-f73a-4003-b082-f1a3d5b8428d","Pourquoi les dépenses IA sont-elles plus difficiles à prévoir que les dépenses SaaS traditionnelles ?",{"type":43,"attrs":1350,"content":1351},{"backgroundColor":17},[1352,1357],{"type":61,"attrs":1353,"content":1354},{"textAlign":17},[1355],{"text":1356,"type":52},"Les logiciels SaaS traditionnels sont généralement facturés selon un montant mensuel relativement fixe, tandis que de nombreux outils d’IA facturent en fonction de l’utilisation. Dans notre échantillon, les dépenses totales consacrées à l’IA ont augmenté de 340 % en douze mois, alors même que le nombre d’entreprises qui en achetaient a très peu évolué. Les factures IA peuvent également varier fortement d’un mois à l’autre, le mois le plus cher pouvant atteindre jusqu’à huit fois le montant du mois le moins cher. Elles sont donc beaucoup plus difficiles à gérer avec un budget fixe traditionnel.",{"type":46,"attrs":1358},{"level":407,"textAlign":17},{"_uid":1360,"hide":14,"title":1361,"component":1287,"description":1362},"d2672715-30b5-4229-be8d-9a86e15dbd0e","Comment les équipes Finance peuvent-elles contrôler les dépenses IA variables et les factures à l’usage ?",{"type":43,"attrs":1363,"content":1364},{"backgroundColor":17},[1365],{"type":61,"attrs":1366,"content":1367},{"textAlign":17},[1368],{"text":1369,"type":52},"Les dépenses IA doivent être gérées à l’aide d’une visibilité sur l’utilisation, de limites de dépense et d’alertes en temps réel, plutôt qu’avec une simple ligne budgétaire fixe. Ces contrôles permettent aux équipes Finance d’identifier rapidement une consommation inhabituelle de tokens ou une activité automatisée anormale, avant qu’un mois particulièrement coûteux n’arrive jusqu’à la clôture. Une carte intelligente assortie de limites de dépense et d’alertes peut apporter une couche de contrôle supplémentaire.",{"_uid":1371,"hide":14,"title":1372,"component":1287,"description":1373},"0198b67b-1727-4625-97ba-394a99aa4c17","Que doivent rechercher les équipes Finance dans un logiciel de gestion des dépenses SaaS ?",{"type":43,"attrs":1374,"content":1375},{"backgroundColor":17},[1376],{"type":61,"attrs":1377,"content":1378},{"textAlign":17},[1379],{"text":1380,"type":52},"Les fonctionnalités les plus utiles sont notamment une vue centralisée des abonnements, l’affectation des dépenses à un responsable et à un département, des workflows d’approbation, des alertes de renouvellement, le contrôle des paiements récurrents, le suivi de l’utilisation, des limites de dépense, des alertes en temps réel et des outils de reporting. Pour les outils d’IA en particulier, la solution doit également donner une vision précise de la consommation afin d’aider les équipes Finance à passer d’un simple suivi des dépenses logicielles à un véritable contrôle des coûts liés à l’usage.",[1382],{"cta":1383,"_uid":1384,"title":1385,"layout":18,"eyebrow":1393,"subtitle":1401,"component":46,"textAlign":18,"eyebrowPill":14,"checkmarkList":14,"flexibleSection":1404,"sectionSettings":1405,"displaySeparator":14,"breakLineOnMobile":14,"subtitleLeftBorder":14,"customTitleFontSize":18},[],"a2fc864f-9f69-4fb0-87ae-9c41e5c010df",{"type":43,"attrs":1386,"content":1387},{"backgroundColor":17},[1388],{"type":46,"attrs":1389,"content":1390},{"level":359,"textAlign":17},[1391],{"text":1392,"type":52},"Questions fréquentes sur les dépenses 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Elle réunit cartes d’entreprise, gestion des notes de frais, factures fournisseurs, achats et contrôle des dépenses, grâce à une infrastructure de paiement européenne.\n- Plus de **5 000 entreprises européennes** font confiance à Spendesk pour gérer leurs dépenses. La plateforme a traité **10 milliards d’euros** et accompagne des clients en France, en Allemagne, au Royaume-Uni, en Espagne et dans le reste de l’Europe. Elle propose notamment des intégrations natives avec **DATEV, Pennylane, Xero, QuickBooks, Sage 100, NetSuite et Exact Online**.\n- Spendesk Financial Services SAS est le propre **établissement de paiement de Spendesk**, agréé par l’ACPR et autorisé à opérer dans les 30 pays de l’EEE, grâce au passeport européen de la DSP2.\n- Spendesk dispose des certifications et conformités nécessaires pour accompagner les entreprises européennes : **ISO 27001:2022, DORA, DSP2** et statut d’**Access Point Peppol certifié**. La plateforme accompagne également les évolutions réglementaires liées à la facturation électronique en Europe et au dispositif Making Tax Digital au Royaume-Uni.",{"type":61,"attrs":1573,"content":1574},{"textAlign":17},[1575,1577,1581],{"text":1576,"type":52},"Il y a dix ans, Spendesk est née d’un principe simple : ",{"text":1578,"type":52,"marks":1579},"les équipes Finance doivent pouvoir donner à leurs collaborateurs les moyens d’agir, tout en gardant le contrôle des dépenses de l’entreprise",[1580],{"type":72},{"text":659,"type":52},{"type":61,"attrs":1583,"content":1584},{"textAlign":17},[1585,1587,1594,1596],{"text":1586,"type":52},"Ce principe guide, depuis, chaque décision produit. Comme l’explique ",{"text":1588,"type":52,"marks":1589},"Rodolphe Ardant, notre fondateur",[1590,1593],{"type":379,"attrs":1591},{"href":1592,"uuid":17,"anchor":17,"target":635,"linktype":251},"https://www.youtube.com/watch?v=t6IjWaQIbM4",{"type":72},{"text":1595,"type":52},", « Spendesk a été créée pour résoudre un problème que les équipes Finance rencontrent chaque jour ». ",{"text":1597,"type":52,"marks":1598},"Cette mission n’a jamais changé.",[1599],{"type":72},{"type":61,"attrs":1601,"content":1602},{"textAlign":17},[1603,1605,1612,1614,1621,1623],{"text":1604,"type":52},"En dix ans, Spendesk a franchi deux étapes majeures : l’entreprise a obtenu le ",{"text":1606,"type":52,"marks":1607},"statut de licorne française",[1608,1611],{"type":379,"attrs":1609},{"href":1610,"uuid":17,"anchor":17,"target":17,"linktype":251},"https://techcrunch.com/2022/01/17/spendesk-is-the-fifth-french-startup-to-reach-unicorn-status-this-month/",{"type":72},{"text":1613,"type":52}," en 2022, puis atteint la ",{"text":1615,"type":52,"marks":1616},"rentabilité",[1617,1620],{"type":379,"attrs":1618},{"href":1619,"uuid":17,"anchor":17,"target":17,"linktype":251},"https://sifted.eu/articles/spendesk-profitability-2025",{"type":72},{"text":1622,"type":52}," en 2025. ",{"text":1624,"type":52,"marks":1625},"Cette trajectoire illustre ce qu’une croissance menée avec discipline, portée par une mission claire et guidée par les besoins des clients peut accomplir.",[1626],{"type":72},{"type":61,"attrs":1628,"content":1629},{"textAlign":17},[1630,1632,1636],{"text":1631,"type":52},"La rentabilité ne marque pas la fin du parcours. Elle donne à Spendesk la stabilité nécessaire pour ",{"text":1633,"type":52,"marks":1634},"continuer à investir dans sa mission, accompagner ses clients et construire sur le long terme",[1635],{"type":72},{"text":659,"type":52},{"type":61,"attrs":1638,"content":1639},{"textAlign":17},[1640,1642,1646],{"text":1641,"type":52},"Pour nous, ",{"text":1643,"type":52,"marks":1644},"Made in Europe",[1645],{"type":72},{"text":1647,"type":52}," ne se résume pas à une présence sur le continent. 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Elles couvrent dix années de transactions par carte, de factures fournisseurs, de remboursements, de paiements fournisseurs, d’utilisateurs et de dépenses traitées.",{"type":317,"attrs":1670},{"id":1567,"body":1671},[1672],{"_uid":1673,"text":1674,"color":1675,"title":18,"component":346},"i-ff835711-7d7a-40d5-aa74-8e590b2a7cfc"," 1. 💶 **Dépenses traitées :** environ 10 Md€\n 2. 💳 **Cartes émises :** 795 000\n 3. 🧾 **Factures fournisseurs traitées :** 46,85 M\n 4. 👥 **Utilisateurs cumulés :** 314 000\n 5. 🏢 **Entreprises intégrées :** 14 200\n 6. 🤝 **Fournisseurs uniques payés :** 197 000\n 7. 🏦 **Virements bancaires exécutés :** 6,46 M\n 8. ⚡ **Transactions par carte :** 31,84 M\n 9. ✅ **Demandes de dépenses approuvées :** 21,3 M\n10. 💸 **Remboursements traités :** 7,99 M","orange",{"type":46,"attrs":1677},{"level":359,"textAlign":17},{"type":46,"attrs":1679,"content":1680},{"level":359,"textAlign":17},[1681],{"text":1682,"type":52},"Getaround et Spendesk : dix ans de croissance commune",{"type":61,"attrs":1684,"content":1685},{"textAlign":17},[1686],{"text":1687,"type":52},"Getaround fait confiance à Spendesk depuis ses débuts. En dix ans, les deux entreprises ont grandi et évolué côte à côte.",{"type":61,"attrs":1689,"content":1690},{"textAlign":17},[1691],{"text":1692,"type":52},"Mohamed Mekkaoui, VP Finance chez Getaround, revient sur ce parcours :",{"type":317,"attrs":1694},{"id":1695,"body":1696},"af0452ef-31f7-4f9c-863f-db18719225f2",[1697],{"_uid":1698,"asset":1699,"caption":18,"component":345},"fd1a18f5-b580-4d1e-b963-82e9335aa219",{"id":1700,"alt":18,"name":18,"focus":18,"title":18,"source":18,"filename":1701,"copyright":18,"fieldtype":19,"meta_data":1702,"is_external_url":14},212886206236228,"https://a.storyblok.com/f/146026/1046x1080/a82b9d080f/quote_getaround-fr.jpg",{"size":1703},"1046x1080",{"type":46,"attrs":1705},{"level":359,"textAlign":17},{"type":46,"attrs":1707,"content":1708},{"level":359,"textAlign":17},[1709],{"text":1710,"type":52},"Spendesk, une plateforme pensée pour les entreprises européennes",{"type":46,"attrs":1712,"content":1713},{"level":407,"textAlign":17},[1714],{"text":1715,"type":52},"Conformité européenne : DORA, DSP2 et facturation électronique",{"type":61,"attrs":1717,"content":1718},{"textAlign":17},[1719,1721,1725],{"text":1720,"type":52},"La conformité en Europe ne repose pas sur un modèle unique. 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Pour une équipe finance de PME, ça veut dire un seul outil là où d'autres solutions en demandent trois.",{"type":61,"attrs":3532,"content":3533},{"textAlign":17},[3534],{"text":3535,"type":52},"La capture des justificatifs se fait par photo depuis l'application mobile. L'OCR extrait automatiquement le montant, la TVA et le fournisseur. Si le justificatif n'est pas soumis, la carte est bloquée, ce qui réduit drastiquement les relances en fin de mois. Les données sont exportées vers Pennylane, Cegid, Sage et Regate avec les codes comptables déjà mappés, sans ressaisie.",{"type":61,"attrs":3537,"content":3538},{"textAlign":17},[3539,3541,3547],{"text":3540,"type":52},"Le calcul des ",{"text":3542,"type":52,"marks":3543},"indemnités kilométriques",[3544],{"type":379,"attrs":3545},{"href":3546,"uuid":17,"anchor":17,"target":17,"linktype":251},"https://www.spendesk.com/fr/blog/indemnites-kilometriques/",{"text":3548,"type":52}," est automatisé selon le barème kilométrique de la DGFiP en vigueur. Spendesk est agréé ACPR n°17518, établissement de paiement français fondé à Paris.",{"type":46,"attrs":3550,"content":3551},{"level":359,"textAlign":17},[3552],{"text":3553,"type":52},"2. 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Elle prend en charge ",{"text":3576,"type":52,"marks":3577},"les notes de frais kilométriques",[3578],{"type":379,"attrs":3579},{"href":3580,"uuid":3581,"anchor":17,"target":17,"linktype":339},"remboursement-frais-kilometriques","2decfbea-ec1a-4eac-989d-622bb2253718",{"text":3583,"type":52},", et met à votre disposition des modèles de dépenses (parking, restaurant, hôtel, carburant, etc.) destinés à vos salariés.",{"type":61,"attrs":3585,"content":3586},{"textAlign":17},[3587],{"text":3588,"type":52},"Chaque note de frais est ensuite réunie dans un fichier (CSV, PDF ou Excel), puis sont ensuite envoyés au service comptable pour un remboursement rapide.",{"type":46,"attrs":3590,"content":3591},{"level":359,"textAlign":17},[3592],{"text":3593,"type":52},"3. 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La plateforme propose une vision 360° sur votre parc automobile avec l'envoi des frais associés grâce à une application mobile.",{"type":61,"attrs":3618,"content":3619},{"textAlign":17},[3620,3622,3630],{"text":3621,"type":52},"Le manager peut ensuite approuver les dépenses et les exporter directement vers ",{"text":3623,"type":52,"marks":3624},"le logiciel comptable",[3625],{"type":379,"attrs":3626},{"href":3627,"uuid":3628,"anchor":17,"target":3629,"linktype":339},"/fr/landing/checklist-gestion-des-depenses","3fa28135-4c0f-4a34-802a-45e29ad634e7","_self",{"text":3631,"type":52},". L’application mobile Notilus permet également la conception de tableaux de bord personnalisés pour regrouper toutes les dépenses de déplacement de vos équipes.",{"type":46,"attrs":3633,"content":3634},{"level":359,"textAlign":17},[3635],{"text":3636,"type":52},"4. 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Pour plus de sécurité, N2F synchronise automatiquement les photos des reçus sur l'espace web du client.",{"type":61,"attrs":3655,"content":3656},{"textAlign":17},[3657],{"text":3658,"type":52},"N2F dispose également d'un mode \"ultra-pressé\" pour consigner une dépense, sans remplir le formulaire. L'application se charge ensuite de vous relancer pour finaliser le processus.",{"type":46,"attrs":3660,"content":3661},{"level":359,"textAlign":17},[3662],{"text":3663,"type":52},"5. 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Medius Expense (anciennement Jenji)",{"type":46,"attrs":3699,"content":3700},{"level":359,"textAlign":17},[3701],{"type":345,"attrs":3702},{"id":17,"alt":3703,"src":3704,"title":17,"source":17,"copyright":17,"meta_data":3705},"Jenji","https://get.spendesk.com/hubfs/Jenji.png",{},{"type":61,"attrs":3707,"content":3708},{"textAlign":17},[3709],{"text":3710,"type":52},"Jenji a été racheté par le groupe suédois Medius en 2023 et rebaptisé Medius Expense. La solution conserve son positionnement sur l'automatisation IA des notes de frais — numérisation, lecture automatique des factures, re-facturation des frais, suivi des invitations. Elle s'adresse désormais principalement aux entreprises mid-market cherchant à s'intégrer dans l'écosystème Medius (AP automation, procurement).",{"type":46,"attrs":3712,"content":3713},{"level":359,"textAlign":17},[3714,3716,3717],{"text":3715,"type":52},"7. 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Nous vous conseillons d'utiliser Lucca si votre entreprise a déjà recours à d'autres solutions proposées par ce même fournisseur de logiciels SaaS.",{"type":46,"attrs":3742,"content":3743},{"level":359,"textAlign":17},[3744],{"text":3745,"type":52},"8. 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Rydoo",{"type":61,"attrs":3776,"content":3777},{"textAlign":17},[3778,3779],{"type":82},{"type":345,"attrs":3780},{"id":17,"alt":3781,"src":3782,"title":17,"source":17,"copyright":17,"meta_data":3783},"xpenditure-1","https://get.spendesk.com/hubfs/xpenditure-1.png",{},{"type":61,"attrs":3785,"content":3786},{"textAlign":17},[3787],{"text":3788,"type":52},"Rydoo est une application simple à utiliser pour la gestion des notes de frais, qui permet notamment de repérer automatiquement les doublons quand vous prenez deux fois en photo le même justificatif.",{"type":61,"attrs":3790,"content":3791},{"textAlign":17},[3792,3794,3801],{"text":3793,"type":52},"L'application permet aux managers de valider en temps réel les dépenses et au top management d'intégrer la ",{"text":3795,"type":52,"marks":3796},"politique de gestion des dépenses,",[3797],{"type":379,"attrs":3798},{"href":3799,"uuid":3800,"anchor":17,"target":3629,"linktype":339},"/fr/blog/etablir-politique-deplacements-important","4d45a267-ba9d-47da-9334-c0e56636139e",{"text":3802,"type":52}," en ajoutant les différentes filiales et succursales.",{"type":61,"attrs":3804,"content":3805},{"textAlign":17},[3806,3808,3815],{"text":3807,"type":52},"Les données et rapports peuvent être directement exportés sous plusieurs formats ainsi que vers les ",{"text":3809,"type":52,"marks":3810},"principaux logiciels comptables",[3811],{"type":379,"attrs":3812},{"href":3813,"uuid":3814,"anchor":17,"target":17,"linktype":339},"top-logiciel-comptabilite","8efb57b6-c17e-47ca-a41d-8996eefb608b",{"text":659,"type":52},{"type":46,"attrs":3817,"content":3818},{"level":359,"textAlign":17},[3819],{"text":3820,"type":52},"10. Concur",{"type":61,"attrs":3822,"content":3823},{"textAlign":17},[3824],{"type":345,"attrs":3825,"marks":3829},{"id":17,"alt":3826,"src":3827,"title":17,"source":17,"copyright":17,"meta_data":3828},"concur","https://get.spendesk.com/hubfs/concur.png",{},[3830],{"type":72},{"type":61,"attrs":3832,"content":3833},{"textAlign":17},[3834],{"text":3835,"type":52},"Concur est intégré à SAP, solution utilisée principalement par les grands groupes et ETI de plus de 700 salariés. Cet outil propose une suite complète de gestion des  frais.",{"type":61,"attrs":3837,"content":3838},{"textAlign":17},[3839],{"text":3840,"type":52},"Les employés photographient leurs différents justificatifs depuis l'app mobile.",{"type":61,"attrs":3842,"content":3843},{"textAlign":17},[3844,3846,3853],{"text":3845,"type":52},"Les responsables, eux, bénéficient d’une meilleure visibilité pour examiner les notes de frais et les approuver. Ils peuvent ensuite en enclencher le ",{"text":3847,"type":52,"marks":3848},"remboursement",[3849],{"type":379,"attrs":3850},{"href":3851,"uuid":3852,"anchor":17,"target":17,"linktype":339},"procedure-remboursement-notes-de-frais-entreprise","4749a78d-e7ce-4d50-bccc-64ba5c934dcc",{"text":659,"type":52},{"type":46,"attrs":3855,"content":3856},{"level":359,"textAlign":17},[3857],{"text":3858,"type":52},"Notre avis ? Vous l'avez sûrement deviné...",{"type":61,"attrs":3860,"content":3861},{"textAlign":17},[3862,3864,3868],{"text":3863,"type":52},"Le choix d'un logiciel de gestion des notes de frais est stratégique, puisqu'il s'agit de choisir un outil qui ",{"text":3865,"type":52,"marks":3866},"correspond aux besoins spécifiques de votre entreprise",[3867],{"type":72},{"text":3869,"type":52},". 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temps.","7acb7442-031d-4c0f-b375-bb5a76b9d3b4","outils-et-astuces","fr/blog/topic/outils-et-astuces",-460,[],"2e3e0832-0204-4734-bdc7-effb516cf20d","2022-11-02T15:24:42.074Z",[],"blog/topic/outils-et-astuces",[4233,4234,4235],{"path":4231,"name":17,"lang":141,"published":17},{"path":4231,"name":17,"lang":147,"published":17},{"path":4231,"name":17,"lang":149,"published":17},{"type":43,"content":4237},[4238,4242,4246,4259,4263,4268,4279,4283,4288,4292,4297,4301,4305,4310,4314,4318,4362,4368,4376,4380,4388,4392,4400,4404,4409,4422,4427,4432,4436,4443,4448,4452,4459,4464,4468,4475,4480,4484,4491,4496,4500,4526,4530,4534,4538,4542],{"type":61,"content":4239},[4240],{"text":4241,"type":52},"Des études montrent que la gestion des factures fournisseurs est l'un des principaux points noirs des équipes financières. Cela n’est pas très surprenant, car les paiements par facture représentent en moyenne 88 % du total des dépenses d’une entreprise.",{"type":61,"content":4243},[4244],{"text":4245,"type":52},"Des milliers d'entreprises utilisent déjà Spendesk pour gérer, suivre, vérifier et payer les factures de leurs fournisseurs, ainsi que les autres dépenses de l'entreprise. Cette gestion devient encore plus efficace aujourd’hui grâce à deux nouveaux ajouts : Les bons de commande et les budgets.",{"type":61,"content":4247},[4248,4250,4257],{"text":4249,"type":52},"Vous disposez désormais d'une plateforme unique pour suivre l'ensemble du processus de gestion de vos factures fournisseurs en temps réel, du ",{"text":4251,"type":52,"marks":4252},"bon de commande",[4253],{"type":379,"attrs":4254},{"href":4255,"uuid":4256,"anchor":17,"target":3629,"linktype":339},"/fr/glossaire/bon-de-commande","ea128984-5ef9-4333-9088-484233a5ee9a",{"text":4258,"type":52}," au paiement, dans le système que vos dépenses par carte et vos notes de frais. Les équipes financières gardent ainsi un contrôle total, ce qui les aide les équipes à être responsabilisées, efficaces et à respecter leurs budgets.",{"type":61,"content":4260},[4261],{"text":4262,"type":52},"Étudions plus en détail les bénéfices des bons de commande (BdC).",{"type":46,"attrs":4264,"content":4265},{"level":359},[4266],{"text":4267,"type":52},"Suivi des factures fournisseurs : pourquoi les bons de commande sont indispensables",{"type":61,"content":4269},[4270,4272,4277],{"text":4271,"type":52},"Une demande de ",{"text":4251,"type":52,"marks":4273},[4274],{"type":379,"attrs":4275},{"href":4276,"uuid":17,"anchor":17,"target":17,"linktype":251},"https://www.spendesk.com/fr/glossaire/bon-de-commande/",{"text":4278,"type":52}," est utilisée lorsqu'un employé doit effectuer un achat au nom de son entreprise. Il s'agit d'une demande, souvent accompagnée d'un devis, qui montre au responsable du centre de coûts que le processus d'achat peut commencer, à la suite de quoi une facture fournisseurs sera émise.",{"type":61,"content":4280},[4281],{"text":4282,"type":52},"Les bons de commande permettent aux employés de définir clairement les biens et services dont ils ont besoin. Ils donnent ainsi aux responsables la possibilité de vérifier les dépenses avant qu'elles ne soient effectuées. Avec Spendesk, l'équipe finance ou achats effectue le paiement et dispose donc d'une visibilité totale, ces équipes gardent le contrôle de la situation.",{"type":46,"attrs":4284,"content":4285},{"level":407},[4286],{"text":4287,"type":52},"Un processus d'achat plus sûr avec les bons de commande",{"type":61,"content":4289},[4290],{"text":4291,"type":52},"Avec les bons de commande, les exigences de l'acheteur sont précisées au fournisseur au tout début du processus d’achat. Il ne doit y avoir aucun malentendu sur le service ou le prix attendu. En cas de litige, le bon de commande est considéré comme la source de vérité et peut faire office d’engagement contractuel.",{"type":46,"attrs":4293,"content":4294},{"level":407},[4295],{"text":4296,"type":52},"Une meilleure visibilité pour l'équipe financière sur les achats engagés et les factures fournisseurs s'y rapportant",{"type":61,"content":4298},[4299],{"text":4300,"type":52},"Grâce aux bons de commande, les équipes financières disposent du contexte complet de chaque facture et peuvent facilement anticiper les futurs décaissements. L'équipe financière peut faire correspondre ces informations avec la facture et ce qui a été livré (ce que l'on appelle le \"3-way matching\" en anglais) et payer les fournisseurs en toute sérénité.",{"type":61,"content":4302},[4303],{"text":4304,"type":52},"En l'absence de la mise en place d’outils, ce processus est difficile à gérer et exige souvent beaucoup de temps et de ressources de la part de différentes équipes.",{"type":46,"attrs":4306,"content":4307},{"level":359},[4308],{"text":4309,"type":52},"Pourquoi votre processus de bons de commande vous ralentit-il ?",{"type":61,"content":4311},[4312],{"text":4313,"type":52},"Comme beaucoup de processus commerciaux courants, même les bons de commande simples peuvent entraîner des problèmes. À moins que vous n'utilisiez une automatisation moderne, vous rencontrerez certainement les problèmes suivants.",{"type":61,"content":4315},[4316],{"text":4317,"type":52},"Les équipes financières :",{"type":1862,"content":4319},[4320,4330,4340,4352],{"type":1865,"content":4321},[4322],{"type":61,"content":4323},[4324,4328],{"text":4325,"type":52,"marks":4326},"N'ont aucune visibilité sur ce qui est engagé, elles ne peuvent donc pas anticiper et faire des prévisions",[4327],{"type":72},{"text":4329,"type":52},". La plupart du temps, l'équipe finance reçoit la facture au moment où il est temps de payer et trop tard pour faire des changements. Cela entraîne souvent un dépassement de budget pour l’entreprise.",{"type":1865,"content":4331},[4332],{"type":61,"content":4333},[4334,4338],{"text":4335,"type":52,"marks":4336},"Il faut suivre les achats manuellement",[4337],{"type":72},{"text":4339,"type":52},". Cela prend du temps et ajoute beaucoup de travail manuel pour jongler avec les feuilles de calcul et rester au courant des dépenses.",{"type":1865,"content":4341},[4342],{"type":61,"content":4343},[4344,4346,4350],{"text":4345,"type":52},"Elles doivent s'assurer de comptabiliser les factures non parvenues en fin de période comptable, lorsqu'une prestation a eu lieu mais que la facture n'a pas encore été réceptionnée. ",{"text":4347,"type":52,"marks":4348},"La visibilité sur les engagements permet de mieux noter les points de vigilance",[4349],{"type":72},{"text":4351,"type":52}," lorsqu'un bon de commande a atteint la fin de sa période de prestation et qu'aucune facture  n'a été attachée.",{"type":1865,"content":4353},[4354],{"type":61,"content":4355},[4356,4360],{"text":4357,"type":52,"marks":4358},"Vous avez besoin d'informations plus complètes sur les factures des fournisseurs avant de les payer",[4359],{"type":72},{"text":4361,"type":52},". Il s'agit notamment des marchandises livrées, et du fait que la commande a été approuvée par un responsable et du budget auquel elle doit être rattachée.",{"type":61,"content":4363},[4364],{"text":4365,"type":52,"marks":4366},"Les managers :",[4367],{"type":72},{"type":1862,"content":4369},[4370],{"type":1865,"content":4371},[4372],{"type":61,"content":4373},[4374],{"text":4375,"type":52},"Ont besoin de gérer les budgets des équipes et d'optimiser les coûts des fournisseurs.",{"type":61,"content":4377},[4378],{"text":4379,"type":52},"Les employés :",{"type":1862,"content":4381},[4382],{"type":1865,"content":4383},[4384],{"type":61,"content":4385},[4386],{"text":4387,"type":52},"Ils doivent obtenir l'approbation du responsable du budget avant de lancer un projet avec le fournisseur.",{"type":61,"content":4389},[4390],{"text":4391,"type":52},"Pour l'ensemble de l'entreprise :",{"type":1862,"content":4393},[4394],{"type":1865,"content":4395},[4396],{"type":61,"content":4397},[4398],{"text":4399,"type":52},"La collaboration avec les fournisseurs est un processus pénible. Il implique beaucoup d'allers-retours entre les employés, les managers et les équipes financières, juste pour communiquer sur un simple achat de prestation. Les équipes se retrouvent rapidement dans des boucles Slack et de multiples échanges par mail.",{"type":61,"content":4401},[4402],{"text":4403,"type":52},"Tout cela aboutit à un processus compliqué et manuel qui se traduit par un manque de visibilité et de contrôle pour tout le monde.",{"type":46,"attrs":4405,"content":4406},{"level":359},[4407],{"text":4408,"type":52},"Approuver, suivre et payer vos factures en toute simplicité",{"type":61,"content":4410},[4411],{"type":317,"attrs":4412},{"id":4413,"body":4414},"e6c8bc73-97d4-4231-999a-cdb7e812fb3c",[4415],{"_uid":4416,"caption":18,"autoplay":14,"noShadow":14,"component":4417,"thumbnail":4418,"playerType":4419,"onPlayEvent":18,"externalVideo":4420,"internalVideo":4421,"playButtonText":18},"3eab1c55-faf3-4479-ba15-95009dcfb09c","video",[],"inline","https://www.youtube.com/embed/yygDdprq3eE?feature=oembed",{"id":17,"alt":17,"name":18,"focus":17,"title":17,"filename":18,"copyright":17,"fieldtype":19},{"type":46,"attrs":4423,"content":4424},{"level":359},[4425],{"text":4426,"type":52},"Comment les bons de commande de Spendesk vous accompagnent pour suivre vos factures fournisseurs",{"type":46,"attrs":4428,"content":4429},{"level":407},[4430],{"text":4431,"type":52},"Simplifiez la validation de vos factures fournisseurs",{"type":61,"content":4433},[4434],{"text":4435,"type":52},"Les employés peuvent désormais générer des bons de commande directement dans Spendesk. Cela permet aux responsables de budget et à l'équipe finance de rester informés et de garder le contrôle sur les factures fournisseurs qui en découlent. Comme toute demande de carte virtuelle, le bon de commande suit un circuit de validation pour que le propriétaire du budget puisse approuver ou refuser la commande.",{"type":61,"content":4437},[4438],{"type":345,"attrs":4439},{"id":17,"alt":4440,"src":4441,"title":17,"source":17,"copyright":17,"meta_data":4442},"Request a Purchase Order - FR - €","https://get.spendesk.com/hubfs/Request%20a%20Purchase%20Order%20-%20FR%20-%20%E2%82%AC.png",{},{"type":46,"attrs":4444,"content":4445},{"level":407},[4446],{"text":4447,"type":52},"Approuvez vos dépenses en suivant vos budgets pour affecter les factures fournisseurs",{"type":61,"content":4449},[4450],{"text":4451,"type":52},"Les responsables de budget peuvent ensuite vérifier et approuver les bons de commande de leurs équipes, qui sont automatiquement liés au bon budget. Cela permet à chaque responsable de budget d'être responsable de ses dépenses, avec un aperçu en temps réel de ce qui a été dépensé par rapport à ce qui était prévu.",{"type":61,"content":4453},[4454],{"type":345,"attrs":4455},{"id":17,"alt":4456,"src":4457,"title":17,"source":17,"copyright":17,"meta_data":4458},"Approve PO - FR - €","https://get.spendesk.com/hubfs/Approve%20PO%20-%20FR%20-%20%E2%82%AC.png",{},{"type":46,"attrs":4460,"content":4461},{"level":407},[4462],{"text":4463,"type":52},"Visualisez tous les engagements d’achats sur une plateforme",{"type":61,"content":4465},[4466],{"text":4467,"type":52},"Dans Spendesk, vous avez une visibilité totale sur tous les engagements de votre entreprise et leur statut actualisé en temps réel (En attente de livraison, Facture en retard, Partiellement facturé, Facturé, et Surfacturé).",{"type":61,"content":4469},[4470],{"type":345,"attrs":4471},{"id":17,"alt":4472,"src":4473,"title":17,"source":17,"copyright":17,"meta_data":4474},"Tracking all POs in one place - FR - €","https://get.spendesk.com/hubfs/Tracking%20all%20POs%20in%20one%20place%20-%20FR%20-%20%E2%82%AC.png",{},{"type":46,"attrs":4476,"content":4477},{"level":407},[4478],{"text":4479,"type":52},"Automatisez la vérification des informations pour payer les factures fournisseurs en toute confiance",{"type":61,"content":4481},[4482],{"text":4483,"type":52},"Gagnez du temps et évitez les erreurs d'entrée manuelle grâce aux informations sur les fournisseurs et l’engagement d’achat. Faites correspondre les informations de votre bon de commande et de votre facture avec ce qui a été livré, et planifiez les paiements directement depuis Spendesk.",{"type":61,"content":4485},[4486],{"type":345,"attrs":4487},{"id":17,"alt":4488,"src":4489,"title":17,"source":17,"copyright":17,"meta_data":4490},"Review your AP (3WM) - FR - €","https://get.spendesk.com/hubfs/Review%20your%20AP%20(3WM)%20-%20FR%20-%20%E2%82%AC.png",{},{"type":46,"attrs":4492,"content":4493},{"level":359},[4494],{"text":4495,"type":52},"Créez votre processus d’achat automatisé dès aujourd'hui",{"type":61,"content":4497},[4498],{"text":4499,"type":52},"Gagnez du temps grâce à un système de gestion des factures fournisseurs entièrement automatisé et centralisé, qui aide chaque employé à se concentrer sur l’essentiel :",{"type":1862,"content":4501},[4502,4510,4518],{"type":1865,"content":4503},[4504],{"type":61,"content":4505},[4506],{"text":4507,"type":52,"marks":4508},"L'équipe financière a une visibilité totale sur chaque étape du processus d’achat.",[4509],{"type":72},{"type":1865,"content":4511},[4512],{"type":61,"content":4513},[4514],{"text":4515,"type":52,"marks":4516},"Les responsables de budget peuvent approuver les dépenses en fonction des budgets prévus avec l’équipe Finance.",[4517],{"type":72},{"type":1865,"content":4519},[4520],{"type":61,"content":4521},[4522],{"text":4523,"type":52,"marks":4524},"Les employés peuvent faire des demandes de manière autonome et voir le statut de leur bon de commande et leur facture fournisseur.",[4525],{"type":72},{"type":61,"content":4527},[4528],{"text":4529,"type":52},"Vous êtes déjà client de Spendesk ?",{"type":61,"content":4531},[4532],{"text":4533,"type":52},"Parlez à votre gestionnaire de compte dédié pour demander un accès anticipé à cette fonctionnalité et automatisez enfin votre gestion des factures fournisseurs !",{"type":61,"content":4535},[4536],{"text":4537,"type":52},"Vous n'avez jamais essayé Spendesk ?",{"type":61,"content":4539},[4540],{"text":4541,"type":52},"Réservez votre démonstration gratuite de Spendesk aujourd'hui pour voir comment nous pouvons aider votre entreprise à automatiser votre gestion des factures fournisseurs (et plus encore !).",{"type":61,"content":4543},[4544],{"type":317,"attrs":4545},{"id":4413,"body":4546},[4547],{"_uid":4548,"html":4549,"component":4550},"5efcf3c0-23c6-4dcc-b5ff-6d5df666c9b9","\u003C!--HubSpot Call-to-Action Code -->\u003Cspan class=\"hs-cta-wrapper\" id=\"hs-cta-wrapper-6bac6a61-4222-4183-a83f-94ee15d6fe0f\">\u003Cspan class=\"hs-cta-node hs-cta-6bac6a61-4222-4183-a83f-94ee15d6fe0f\" id=\"hs-cta-6bac6a61-4222-4183-a83f-94ee15d6fe0f\">\u003C!--[if lte IE 8]>\u003Cdiv id=\"hs-cta-ie-element\">\u003C/div>\u003C![endif]-->\u003Ca href=\"https://cta-redirect.hubspot.com/cta/redirect/2694209/6bac6a61-4222-4183-a83f-94ee15d6fe0f\" target=\"_blank\" rel=\"noopener\">\u003Cimg class=\"hs-cta-img\" id=\"hs-cta-img-6bac6a61-4222-4183-a83f-94ee15d6fe0f\" style=\"border-width:0px;\" height=\"540\" width=\"1680\" src=\"https://no-cache.hubspot.com/cta/default/2694209/6bac6a61-4222-4183-a83f-94ee15d6fe0f.png\"  alt=\"demonstration - spendesk - équipes finance - outil financier - gestion des dépenses d'entreprise\"/>\u003C/a>\u003C/span>\u003Cscript charset=\"utf-8\" src=\"https://js.hscta.net/cta/current.js\">\u003C/script>\u003Cscript type=\"text/javascript\"> hbspt.cta.load(2694209, '6bac6a61-4222-4183-a83f-94ee15d6fe0f', {\"useNewLoader\":\"true\",\"region\":\"na1\"}); \u003C/script>\u003C/span>\u003C!-- end HubSpot Call-to-Action Code -->","embed",{"name":1216,"created_at":1217,"published_at":127,"updated_at":1218,"id":1219,"uuid":1220,"content":4552,"slug":1228,"full_slug":1229,"sort_by_date":17,"position":161,"tag_list":4554,"is_startpage":14,"parent_id":1231,"meta_data":17,"group_id":1232,"first_published_at":1233,"release_id":17,"lang":141,"path":17,"alternates":4555,"default_full_slug":1235,"translated_slugs":4556,"_stopResolving":150},{"_uid":1222,"icon":4553,"name":1216,"component":1227},{"id":1224,"alt":1225,"name":18,"focus":18,"title":18,"filename":1226,"copyright":18,"fieldtype":19,"is_external_url":14},[],[],[4557,4558,4559],{"path":1235,"name":17,"lang":141,"published":17},{"path":1235,"name":17,"lang":147,"published":17},{"path":1235,"name":17,"lang":149,"published":17},[141],[4562],{"_uid":4563,"asset":4564,"shadow":14,"caption":18,"overlay":4566,"component":345},"95ecbb59-3c84-4f5c-a8a2-7b38b9998cdf",{"alt":18,"name":18,"focus":18,"title":18,"filename":4565,"copyright":18,"fieldtype":19,"is_external_url":14},"https://a.storyblok.com/f/146026/1216x912/0bc452440a/review-20your-20ap-20-283wm-29-20-20fr-20-20-e2-82-ac.png",[],[],"2022-10-10 22:30",6,[],[4572],{"_uid":4573,"items":4574,"heading":4611,"reverse":14,"component":1406,"sectionSettings":4629},"217bc401-bcf5-4ba5-a53d-b00ca3ec6022",[4575,4584,4593,4602],{"_uid":4576,"title":4577,"component":1287,"description":4578},"2e0e5cbe-4e47-4687-8425-ab28733e1776","Comment automatiser la gestion des factures fournisseurs ?",{"type":43,"content":4579},[4580],{"type":61,"content":4581},[4582],{"text":4583,"type":52},"Spendesk automatise la capture et le traitement des factures fournisseurs en combinant la reconnaissance OCR, la validation automatique des champs et des workflows d'approbation configurables pour accélérer la saisie et la conformité. La fonctionnalité de capture par e-mail ou upload centralise les factures et permet l'export des écritures vers le logiciel comptable via intégration API.",{"_uid":4585,"title":4586,"component":1287,"description":4587},"e0d1dffa-82ae-465a-828c-2f452937896c","Quelles sont les étapes pour traiter une facture fournisseur avec Spendesk ?",{"type":43,"content":4588},[4589],{"type":61,"content":4590},[4591],{"text":4592,"type":52},"Spendesk permet de traiter une facture fournisseur en quatre étapes claires : capture via e-mail ou mobile, extraction des données par OCR, routage automatique vers les approbateurs grâce aux règles personnalisées, et archivage central avec export comptable. La traçabilité complète et les notifications en temps réel simplifient les audits et la conformité.",{"_uid":4594,"title":4595,"component":1287,"description":4596},"9b168115-1420-4f94-860a-f3b2c4cbb9f5","Spendesk s'intègre-t-il avec mon ERP ou logiciel de comptabilité ?",{"type":43,"content":4597},[4598],{"type":61,"content":4599},[4600],{"text":4601,"type":52},"Spendesk s'intègre avec les principaux ERP et logiciels de comptabilité via connecteurs natifs, API et exports CSV, permettant de synchroniser les fournisseurs, les écritures et les justificatifs. Les intégrations automatisent l'envoi des factures validées et des journaux comptables, réduisant les saisies manuelles et assurant la cohérence des données financières.",{"_uid":4603,"title":4604,"component":1287,"description":4605},"ef162f5f-ed30-46cd-9100-9dd4962e6a8f","Comment Spendesk réduit-il le délai de traitement des factures fournisseurs ?",{"type":43,"content":4606},[4607],{"type":61,"content":4608},[4609],{"text":4610,"type":52},"Spendesk réduit les délais de traitement des factures en centralisant les documents, en automatisant l'extraction OCR et en appliquant des workflows d'approbation définis par rôle, ce qui accélère l'approbation et la saisie comptable. Les notifications, l'archivage central et l'export ERP contribuent à des cycles de paiement plus rapides et une meilleure conformité.",[4612],{"cta":4613,"_uid":4614,"title":4615,"eyebrow":4622,"subtitle":4625,"component":46,"textAlign":18,"sectionSettings":4628,"breakLineOnMobile":14,"subtitleLeftBorder":14,"customTitleFontSize":18},[],"2974a3a2-793a-4f6d-9cf1-c36cd12a0fa2",{"type":43,"content":4616},[4617],{"type":46,"attrs":4618,"content":4619},{"level":359},[4620],{"text":4621,"type":52},"Factures Fournisseurs — FAQ",{"type":43,"content":4623},[4624],{"type":61},{"type":43,"content":4626},[4627],{"type":61},[],[4630],{"_uid":4631,"hide":14,"theme":4029,"anchorId":18,"component":96,"spacingTop":18,"hideOnDevices":4632,"spacingBottom":18,"floatingImages":4633,"variableOverrides":4634},"ffed1f0e-1635-4851-a645-05f1e4174c6c",[],[],[],"factures-fournisseurs","fr/blog/factures-fournisseurs",4440,[4639],"Blog video","7adb7aa9-83f4-4fec-b728-44c4825c8127","2022-11-04T13:36:49.161Z",[],"blog/factures-fournisseurs",[4645,4646,4647],{"path":4643,"name":17,"lang":141,"published":17},{"path":4643,"name":17,"lang":147,"published":17},{"path":4643,"name":17,"lang":149,"published":17},{"name":4649,"created_at":4650,"published_at":127,"updated_at":4651,"id":4652,"uuid":4653,"content":4654,"slug":5230,"full_slug":5231,"sort_by_date":17,"position":5232,"tag_list":5233,"is_startpage":14,"parent_id":1412,"meta_data":17,"group_id":5234,"first_published_at":5235,"release_id":17,"lang":141,"path":17,"alternates":5236,"default_full_slug":5237,"translated_slugs":5238,"_stopResolving":150},"Comment l'IA transforme la finance en 2025","2025-03-18T10:58:43.237Z","2026-03-12T10:48:05.552Z",641846713,"6b03910c-6e29-41d3-9bbb-b7b654c1745d",{"_uid":4655,"roles":4656,"title":4649,"author":4665,"topics":4709,"content":4737,"category":5143,"language":5152,"component":1228,"heroMedia":5153,"sidebarCta":5161,"publishedAt":5162,"readingTime":5163,"redirectUrl":18,"listingImage":5164,"metaDescription":5165,"componentsAfterTheArticle":5166},"605d5011-7b1d-4887-94b1-20cab0eb6b3f",[4657],{"name":125,"created_at":126,"published_at":127,"updated_at":128,"id":129,"uuid":130,"content":4658,"slug":134,"full_slug":135,"sort_by_date":17,"position":136,"tag_list":4659,"is_startpage":14,"parent_id":138,"meta_data":17,"group_id":139,"first_published_at":140,"release_id":17,"lang":141,"path":17,"alternates":4660,"default_full_slug":143,"translated_slugs":4661,"_stopResolving":150},{"_uid":132,"name":125,"component":133},[],[],[4662,4663,4664],{"path":143,"name":17,"lang":141,"published":17},{"path":143,"name":17,"lang":147,"published":17},{"path":143,"name":17,"lang":149,"published":17},{"name":4666,"created_at":4667,"published_at":127,"updated_at":4668,"id":4669,"uuid":4670,"content":4671,"slug":4697,"full_slug":4698,"sort_by_date":17,"position":4699,"tag_list":4700,"is_startpage":14,"parent_id":270,"meta_data":17,"group_id":4701,"first_published_at":4702,"release_id":17,"lang":141,"path":17,"alternates":4703,"default_full_slug":4704,"translated_slugs":4705,"_stopResolving":150},"Chris Dunne","2024-11-25T19:47:17.907Z","2026-03-12T10:48:04.132Z",584506034,"ced1d806-6e64-42d6-8b0f-d708ebbdbbfa",{"_uid":4672,"links":4673,"picture":4680,"lastName":4684,"component":258,"firstName":4685,"description":4686},"88e4340f-e2bc-42fe-a8f0-79dafdd55f97",[4674],{"tag":18,"_uid":4675,"hide":14,"icon":4676,"link":4678,"type":18,"label":18,"style":253,"component":254,"mobileLabel":18,"onClickEvent":18,"openInANewTab":150,"horizontalFill":14},"74ed5df6-6607-44c9-8870-23a2db0b8f4a",{"id":247,"alt":18,"name":18,"focus":18,"title":18,"source":18,"filename":248,"copyright":18,"fieldtype":19,"meta_data":4677,"is_external_url":14},{},{"id":18,"url":4679,"linktype":251,"fieldtype":252,"cached_url":4679},"https://www.linkedin.com/in/chrisdunne4/",{"id":4681,"alt":18,"name":18,"focus":18,"title":18,"source":18,"filename":4682,"copyright":18,"fieldtype":19,"meta_data":4683,"is_external_url":14},18695910,"https://a.storyblok.com/f/146026/349x349/9150c24a43/chris-dunne.jpg",{},"Dunne","Chris",{"type":43,"content":4687},[4688],{"type":61,"attrs":4689,"content":4690},{"textAlign":17},[4691],{"text":4692,"type":52,"marks":4693},"Chris Dunne is our Senior Content Marketing Manager. Based in Derry, he brings over 15 years of marketing experience to our content strategy. Outside of work, Chris loves spending time with his two young children, playing football, and exploring Ireland. ",[4694],{"type":642,"attrs":4695},{"color":4696},"#3D3929","chris-dunne","fr/blog/author/chris-dunne",-1160,[],"62a23d5f-cd56-4dee-91e3-5642f66fa78c","2024-11-25T20:08:58.249Z",[],"blog/author/chris-dunne",[4706,4707,4708],{"path":4704,"name":17,"lang":141,"published":17},{"path":4704,"name":17,"lang":147,"published":17},{"path":4704,"name":17,"lang":149,"published":17},[4710],{"name":4711,"created_at":4712,"published_at":4713,"updated_at":4714,"id":4715,"uuid":4716,"content":4717,"slug":4725,"full_slug":4726,"sort_by_date":17,"position":4727,"tag_list":4728,"is_startpage":14,"parent_id":299,"meta_data":17,"group_id":4729,"first_published_at":4730,"release_id":17,"lang":141,"path":17,"alternates":4731,"default_full_slug":4732,"translated_slugs":4733,"_stopResolving":150},"Tendances","2022-10-19T17:57:54.755Z","2026-09-29T09:14:50.507Z","2026-09-29T09:14:50.522Z",206171420,"c0fff9bc-28bd-40d1-a075-96d63aec83c8",{"seo":4718,"_uid":4724,"name":4711,"component":133},[4719],{"_uid":4720,"noIndex":14,"component":15,"metaFields":4721},"a73e2ebe-63ed-465b-af47-870005457343",{"_uid":4722,"plugin":23,"description":4723},"ada9392a-5257-4ec8-ba91-2f47e3fe1413","Tendances finance et gestion des depenses : ce qui evolue dans les pratiques et les outils des equipes financieres.","01198365-d840-484a-913e-23d34f966269","tendances","fr/blog/topic/tendances",-240,[],"93bcd96b-1759-4cf6-9cdf-680920ecb67a","2022-11-02T15:24:49.456Z",[],"blog/topic/tendances",[4734,4735,4736],{"path":4732,"name":17,"lang":141,"published":17},{"path":4732,"name":17,"lang":147,"published":17},{"path":4732,"name":17,"lang":149,"published":17},{"type":43,"content":4738},[4739,4743,4753,4758,4762,4767,4771,4776,4780,4797,4802,4806,4811,4829,4834,4838,4843,4847,4852,4868,4877,4882,4886,4891,4901,4906,4916,4921,4925,4930,4947,4952,4956,5000,5004,5009,5013,5018,5022,5027,5037,5042,5046,5051,5055,5060,5070,5075,5079,5087,5092,5096,5101,5105,5110,5114,5124,5136],{"type":61,"content":4740},[4741],{"text":4742,"type":52},"L'intelligence artificielle (IA) est passée d'un concept futuriste à une force transformatrice dans le secteur financier. Alors que les organisations mondiales intègrent des technologies d'IA de plus en plus sophistiquées, le secteur financier continue de subir des transformations profondes en matière d'opérations, de processus décisionnels et d'approches du service client.",{"type":61,"content":4744},[4745,4747,4751],{"text":4746,"type":52},"Malgré ce potentiel, un écart notable subsiste dans la mise en œuvre. ",{"text":4748,"type":52,"marks":4749},"Alors que 85 % des directeurs financiers se disent optimistes quant aux gains d'efficacité potentiels de l'IA, 61 % des équipes financières n'ont pas encore intégré l'IA dans leurs flux de travail.",[4750],{"type":72},{"text":4752,"type":52}," Cet écart entre l'enthousiasme et l'action constitue à la fois un défi et une opportunité pour les leaders financiers en 2025.",{"type":46,"attrs":4754,"content":4755},{"level":359},[4756],{"text":4757,"type":52},"Comprendre le rôle évolutif de l'IA dans la finance moderne",{"type":61,"content":4759},[4760],{"text":4761,"type":52},"Le parcours de l'IA dans les services financiers a été remarquable. Des premiers systèmes basés sur des règles dans les années 1980 aux algorithmes d'apprentissage automatique sophistiqués d'aujourd'hui, l'IA est devenue essentielle aux opérations financières. Les récents progrès dans l'IA générative, les applications de l'informatique quantique et l'apprentissage fédéré ont accéléré cette transformation, rendant l'IA indispensable pour l'innovation financière en 2025.",{"type":46,"attrs":4763,"content":4764},{"level":359},[4765],{"text":4766,"type":52},"6 manières dont l'IA transforme les services financiers en 2025",{"type":61,"content":4768},[4769],{"text":4770,"type":52},"Les organisations financières de premier plan déploient l'IA dans divers domaines opérationnels avec des résultats impressionnants. Voici six façons clés dont l'IA transforme l'industrie.",{"type":46,"attrs":4772,"content":4773},{"level":407},[4774],{"text":4775,"type":52},"Détection de fraude en temps réel et sécurité",{"type":61,"content":4777},[4778],{"text":4779,"type":52},"L'IA sert désormais de gardienne de plus en plus sophistiquée des transactions financières, analysant instantanément des milliards de points de données pour identifier des schémas suspects. Les principaux processeurs de paiements utilisent des systèmes d'IA multimodaux qui analysent simultanément les données de transaction, les schémas comportementaux des utilisateurs et les informations contextuelles pour offrir une sécurité sans précédent à grande échelle tout en réduisant les faux positifs qui frustraient auparavant les clients légitimes.",{"type":61,"content":4781},[4782,4784,4791,4793],{"text":4783,"type":52},"Pour les entreprises gérant la vérification d'identité et la ",{"text":4785,"type":52,"marks":4786},"prévention de la fraude",[4787],{"type":379,"attrs":4788},{"href":4789,"uuid":4790,"anchor":17,"target":3629,"linktype":339},"/fr/blog/lutter-contre-fraude-notes-de-frais","035cbfa9-2e06-44d1-84eb-7c5e77ea8e2d",{"text":4792,"type":52},", l'IA a été transformatrice. Alors que les agents de conformité humains pourraient examiner manuellement seulement 10 à 20 % des nouveaux dossiers de clients, les systèmes d'IA peuvent examiner 100 % des dossiers presque instantanément, améliorant considérablement ",{"text":4794,"type":52,"marks":4795},"la sécurité tout en réduisant la charge de travail.",[4796],{"type":72},{"type":46,"attrs":4798,"content":4799},{"level":407},[4800],{"text":4801,"type":52},"Évaluation du crédit intelligente",{"type":61,"content":4803},[4804],{"text":4805,"type":52},"Le scoring de crédit a évolué au-delà des métriques traditionnelles et des données alternatives simples. Les algorithmes modernes d'IA analysent divers points de données structurés et non structurés, notamment les historiques transactionnels, les comportements de paiement et même les schémas de communication, pour évaluer la solvabilité avec une plus grande précision.",{"type":46,"attrs":4807,"content":4808},{"level":407},[4809],{"text":4810,"type":52},"Gestion prédictive des risques",{"type":61,"content":4812},[4813,4815,4819,4821,4827],{"text":4814,"type":52},"Les institutions financières utilisent désormais des modèles d'IA avancés pour prévoir et atténuer les risques avec une précision remarquable. En traitant de vastes quantités de données de marché, de sources de données alternatives, de schémas comportementaux des clients et d'indicateurs économiques, ",{"text":4816,"type":52,"marks":4817},"l'IA aide les organisations à prendre des décisions plus éclairées concernant leurs portefeuilles d'investissement et leur exposition aux risques",[4818],{"type":72},{"text":4820,"type":52},". ",{"text":4822,"type":52,"marks":4823},"L'intégration de modèles de risque climatique",[4824],{"type":379,"attrs":4825},{"href":4826,"uuid":17,"anchor":17,"target":17,"linktype":251},"https://www.icf.com/insights/climate-risk-modeling",{"text":4828,"type":52}," dans l'analyse financière est devenue une pratique courante en 2025.",{"type":46,"attrs":4830,"content":4831},{"level":407},[4832],{"text":4833,"type":52},"Parcours client personnalisé",{"type":61,"content":4835},[4836],{"text":4837,"type":52},"Les plateformes alimentées par l'IA ont transformé l'expérience client dans la finance. Au-delà des simples chatbots, les institutions financières déploient désormais des conseillers virtuels sophistiqués qui fournissent des conseils financiers personnalisés basés sur les circonstances individuelles, les objectifs et les profils de risque. Ces systèmes apprennent continuellement des interactions, devenant plus efficaces pour anticiper les besoins des clients et fournir des solutions pertinentes.",{"type":46,"attrs":4839,"content":4840},{"level":407},[4841],{"text":4842,"type":52},"Trading algorithmique responsable",{"type":61,"content":4844},[4845],{"text":4846,"type":52},"L'IA a révolutionné le trading en permettant une analyse complète des conditions de marché, du sentiment des nouvelles et des indicateurs économiques. En 2025, l'accent s'est déplacé vers une IA explicable pour les algorithmes de trading, permettant une meilleure transparence, conformité réglementaire et gestion des risques. Cette évolution aide les investisseurs à optimiser leurs portefeuilles tout en maintenant une supervision humaine appropriée.",{"type":46,"attrs":4848,"content":4849},{"level":407},[4850],{"text":4851,"type":52},"Traitement automatisé des données et opérations financières",{"type":61,"content":4853},[4854,4856,4862,4864],{"text":4855,"type":52},"Les équipes financières utilisent l'IA pour gérer la réconciliation de données à grande échelle et le reporting financier. Un exemple notable vient d'",{"text":4857,"type":52,"marks":4858},"OpenA",[4859],{"type":379,"attrs":4860},{"href":4861,"uuid":17,"anchor":17,"target":17,"linktype":251},"https://openai.com/",{"text":4863,"type":52},"I, où l'équipe financière a utilisé l'IA pour traiter les données d'utilisation de calcul devenues trop complexes pour les flux de travail traditionnels basés sur Excel. Le résultat ? ",{"text":4865,"type":52,"marks":4866},"Une réduction de 80 % du temps de traitement manuel des données et des périodes de clôture financière considérablement plus rapides.",[4867],{"type":72},{"type":61,"content":4869},[4870,4872,4876],{"text":4871,"type":52},"De même, les outils modernes d'IA peuvent lire les reçus et les factures, extraire les informations pertinentes et allouer automatiquement les dépenses aux bons budgets. Certaines entreprises rapportent une réduction du temps de traitement des factures de plusieurs heures à quelques minutes, avec ",{"text":4873,"type":52,"marks":4874},"des taux d'erreur réduits jusqu'à 90 %",[4875],{"type":72},{"text":659,"type":52},{"type":46,"attrs":4878,"content":4879},{"level":359},[4880],{"text":4881,"type":52},"Les principaux avantages de l'IA dans la finance aujourd'hui",{"type":61,"content":4883},[4884],{"text":4885,"type":52},"Au-delà des applications spécifiques, la mise en œuvre de l'IA offre des avantages stratégiques plus larges pour les institutions financières tournées vers l'avenir.",{"type":46,"attrs":4887,"content":4888},{"level":407},[4889],{"text":4890,"type":52},"Excellence opérationnelle et automatisation",{"type":61,"content":4892},[4893,4895,4899],{"text":4894,"type":52},"En traitant des processus complexes qui nécessitaient auparavant une intervention manuelle significative, ",{"text":4896,"type":52,"marks":4897},"l'IA améliore considérablement l'efficacité et la précision opérationnelles",[4898],{"type":72},{"text":4900,"type":52},". Les professionnels de la finance se concentrent désormais principalement sur les initiatives stratégiques et la gestion des relations plutôt que sur les tâches routinières, créant des environnements de travail plus significatifs et de meilleurs résultats pour les clients.",{"type":46,"attrs":4902,"content":4903},{"level":407},[4904],{"text":4905,"type":52},"Inclusion financière améliorée",{"type":61,"content":4907},[4908,4910,4914],{"text":4909,"type":52},"Les systèmes d'IA ont considérablement élargi ",{"text":4911,"type":52,"marks":4912},"l'accès aux services financiers pour les populations auparavant mal desservies",[4913],{"type":72},{"text":4915,"type":52},". Grâce à l'analyse de données alternatives et à une évaluation des risques plus nuancée, les institutions financières peuvent désormais servir en toute confiance des clients qui n'ont pas d'historiques de crédit traditionnels ou de documentation, aidant à combler le fossé mondial de l'inclusion financière.",{"type":46,"attrs":4917,"content":4918},{"level":407},[4919],{"text":4920,"type":52},"Intégration de la finance durable",{"type":61,"content":4922},[4923],{"text":4924,"type":52},"Les technologies d'IA sont devenues des outils essentiels pour mesurer, rapporter et vérifier les impacts environnementaux et sociaux des investissements. Les institutions financières exploitent ces capacités pour aligner leurs portefeuilles sur des objectifs de durabilité tout en maintenant des rendements compétitifs, répondant à la fois aux exigences réglementaires et à la demande des consommateurs.",{"type":46,"attrs":4926,"content":4927},{"level":407},[4928],{"text":4929,"type":52},"Gestion proactive de la conformité",{"type":61,"content":4931},[4932,4934,4940,4942,4946],{"text":4933,"type":52},"La technologie réglementaire (",{"text":4935,"type":52,"marks":4936},"RegTech",[4937],{"type":379,"attrs":4938},{"href":4939,"uuid":17,"anchor":17,"target":17,"linktype":251},"https://www.utocat.com/quest-ce-quune-regtech",{"text":4941,"type":52},") alimentée par l'IA aide les organisations à naviguer dans le paysage de conformité de plus en plus complexe. Ces systèmes surveillent en continu les transactions, les communications et les opérations pour identifier les problèmes potentiels avant qu'ils ne s'aggravent, ",{"text":4943,"type":52,"marks":4944},"réduisant les risques et les coûts de conformité tout en améliorant la transparence",[4945],{"type":72},{"text":659,"type":52},{"type":46,"attrs":4948,"content":4949},{"level":359},[4950],{"text":4951,"type":52},"Pourquoi les équipes financières restent prudentes face à l'adoption de l'IA",{"type":61,"content":4953},[4954],{"text":4955,"type":52},"Malgré ces avantages, de nombreux professionnels de la finance abordent l'IA avec une prudence mesurée. Lorsque le partenaire d'a16z, Ivan Makarov, a demandé sur LinkedIn pourquoi les équipes financières sont lentes à adopter l'IA, les répondants ont souligné plusieurs obstacles clés :",{"type":4957,"attrs":4958,"content":4959},"ordered_list",{"order":48},[4960,4970,4980,4990],{"type":1865,"content":4961},[4962],{"type":61,"content":4963},[4964,4968],{"text":4965,"type":52,"marks":4966},"Tolérance zéro pour les erreurs en finance",[4967],{"type":72},{"text":4969,"type":52}," (contrairement au marketing où de petites erreurs peuvent être acceptables)",{"type":1865,"content":4971},[4972],{"type":61,"content":4973},[4974,4978],{"text":4975,"type":52,"marks":4976},"Systèmes hérités et données fragmentées",[4977],{"type":72},{"text":4979,"type":52}," qui ne sont pas adaptés à l'IA",{"type":1865,"content":4981},[4982],{"type":61,"content":4983},[4984,4988],{"text":4985,"type":52,"marks":4986},"Besoin de transparence",[4987],{"type":72},{"text":4989,"type":52}," pour satisfaire les auditeurs et les régulateurs",{"type":1865,"content":4991},[4992],{"type":61,"content":4993},[4994,4996],{"text":4995,"type":52},"Manque de solutions d'IA ",{"text":4997,"type":52,"marks":4998},"qui surpassent clairement les méthodes existantes",[4999],{"type":72},{"type":61,"content":5001},[5002],{"text":5003,"type":52},"Ces préoccupations pratiques expliquent pourquoi de nombreuses équipes financières restent prudentes malgré le potentiel de la technologie. Comprendre ces obstacles est crucial pour les organisations cherchant à mettre en œuvre l'IA avec succès dans leurs opérations financières.",{"type":46,"attrs":5005,"content":5006},{"level":359},[5007],{"text":5008,"type":52},"Naviguer dans les défis de mise en œuvre de l'IA dans les services financiers",{"type":61,"content":5010},[5011],{"text":5012,"type":52},"Malgré le potentiel immense de l'IA, les institutions financières doivent surmonter plusieurs obstacles significatifs pour garantir une mise en œuvre réussie.",{"type":46,"attrs":5014,"content":5015},{"level":407},[5016],{"text":5017,"type":52},"Vie privée des données et gouvernance",{"type":61,"content":5019},[5020],{"text":5021,"type":52},"Alors que les systèmes d'IA traitent des données financières sensibles, les organisations ont développé des cadres de gouvernance complets qui équilibrent l'innovation avec des protections robustes de la vie privée. Les technologies de renforcement de la vie privée comme l'apprentissage fédéré et le chiffrement homomorphe permettent désormais aux organisations de tirer des enseignements des données sans compromettre la vie privée individuelle.",{"type":46,"attrs":5023,"content":5024},{"level":407},[5025],{"text":5026,"type":52},"Équité et transparence algorithmique",{"type":61,"content":5028},[5029,5031,5035],{"text":5030,"type":52},"S'assurer que les systèmes d'IA prennent des décisions équitables et impartiales reste crucial. Les institutions financières ",{"text":5032,"type":52,"marks":5033},"auditent régulièrement leurs algorithmes d'IA par des tiers indépendants pour prévenir la discrimination",[5034],{"type":72},{"text":5036,"type":52}," et maintenir l'équité dans la prestation des services financiers. Les approches d'IA explicable sont devenues une pratique courante, permettant aux organisations d'expliquer clairement comment les décisions sont prises.",{"type":46,"attrs":5038,"content":5039},{"level":407},[5040],{"text":5041,"type":52},"Approche stratégique de mise en œuvre",{"type":61,"content":5043},[5044],{"text":5045,"type":52},"Plutôt que de tenter une refonte complète, les mises en œuvre réussies commencent souvent par un cas d'utilisation unique et bien défini. Cette approche permet aux équipes de démontrer des succès rapides et de renforcer la confiance avant de passer à des flux de travail plus complexes.",{"type":46,"attrs":5047,"content":5048},{"level":407},[5049],{"text":5050,"type":52},"Gestion de la qualité des données",{"type":61,"content":5052},[5053],{"text":5054,"type":52},"Des données propres et bien organisées sont cruciales pour le succès de l'IA. Bien que cela puisse sembler décourageant, les outils d'IA peuvent en fait aider au processus de nettoyage, les rendant précieux même dans la phase de préparation.",{"type":46,"attrs":5056,"content":5057},{"level":407},[5058],{"text":5059,"type":52},"Développement des capacités techniques",{"type":61,"content":5061},[5062,5064,5068],{"text":5063,"type":52},"De nombreuses équipes financières manquent d'expertise technique, mais cela ne devrait pas être un obstacle. Cherchez des outils qui privilégient l'usage et ",{"text":5065,"type":52,"marks":5066},"envisagez de nommer des \"champions de l'IA\" au sein de votre équipe pour diriger les efforts d'adoption",[5067],{"type":72},{"text":5069,"type":52}," et de formation.",{"type":46,"attrs":5071,"content":5072},{"level":359},[5073],{"text":5074,"type":52},"L'avenir de l'IA dans la finance",{"type":61,"content":5076},[5077],{"text":5078,"type":52},"En regardant au-delà des applications immédiates, plusieurs technologies et approches émergentes sont prêtes à transformer davantage les services financiers dans les années à venir.",{"type":317,"attrs":5080},{"id":5081,"body":5082},"264f2d1d-a338-4daa-b971-acde6723400c",[5083],{"_uid":5084,"text":5085,"color":324,"title":5086,"component":346},"i-89d52c86-e6a1-4a9d-b32d-061a68d1fcad","Le secteur financier est prêt pour une nouvelle transformation grâce à :\n\n- **Applications avancées d'IA générative** offrant des conseils financiers personnalisés et une éducation de plus en plus sophistiqués.\n- **Capacités d'apprentissage automatique améliorées par le quantique** pour l'évaluation complexe des risques et l'optimisation des portefeuilles.\n- **Modèles intégrés de finance climatique** aidant les institutions à gérer les risques financiers liés au climat.\n- **Applications de la finance décentralisée (DeFi)** intégrant l'IA pour une sécurité et une efficacité accrues.\n- **Une collaboration accrue entre l'expertise humaine et les capacités de l'IA**, créant des modèles de conseil hybrides.","Tendances émergentes pour 2025 et au-delà",{"type":46,"attrs":5088,"content":5089},{"level":407},[5090],{"text":5091,"type":52},"Le rôle évolutif des professionnels de la finance",{"type":61,"content":5093},[5094],{"text":5095,"type":52},"Plutôt que d'être remplacées par l'IA, les équipes financières sont libérées des tâches répétitives pour se concentrer sur la prise de décisions stratégiques. Anne-Claire Chanvin, fondatrice de Finup360, met cette transformation en perspective : \"Ce changement est aussi important que lorsque Excel a été introduit dans les années 1980. Cela a complètement transformé leur façon de travailler, et aujourd'hui l'IA apporte le même genre de changement.\"",{"type":46,"attrs":5097,"content":5098},{"level":407},[5099],{"text":5100,"type":52},"Accessibilité croissante des outils d'IA",{"type":61,"content":5102},[5103],{"text":5104,"type":52},"La technologie elle-même devient plus accessible. Des outils conviviaux qui ne nécessitent pas de connaissances techniques approfondies pour être mis en œuvre et gérés émergent, supprimant les barrières à l'adoption pour les équipes financières de taille moyenne et plus petites.",{"type":46,"attrs":5106,"content":5107},{"level":359},[5108],{"text":5109,"type":52},"La nouvelle frontière pour la fonction finance",{"type":61,"content":5111},[5112],{"text":5113,"type":52},"L'IA continue de redéfinir le paysage financier, offrant des opportunités sans précédent d'innovation, d'efficacité et d'inclusion. La question pour les leaders financiers en 2025 n'est plus de savoir s'il faut adopter l'IA, mais comment le faire efficacement.",{"type":61,"content":5115},[5116,5118,5122],{"text":5117,"type":52},"Les organisations qui exploitent le potentiel de l'IA tout en abordant avec soin ses défis bénéficieront d'avantages concurrentiels significatifs, tandis que celles qui retardent sa mise en œuvre risquent de prendre du retard. Les institutions les plus performantes ",{"text":5119,"type":52,"marks":5120},"considèrent l'IA non seulement comme un outil technologique, mais comme un partenaire stratégique",[5121],{"type":72},{"text":5123,"type":52}," dans la création de valeur pour les clients et les parties prenantes.",{"type":61,"content":5125},[5126,5128,5134],{"text":5127,"type":52},"Prêt à libérer le pouvoir de l'IA pour votre équipe financière ? ",{"text":5129,"type":52,"marks":5130},"Découvrez comment la plateforme de gestion des dépenses alimentée par l'IA",[5131],{"type":379,"attrs":5132},{"href":5133,"uuid":17,"anchor":17,"target":3629,"linktype":251},"https://www.spendesk.com/fr/platform/",{"text":5135,"type":52}," de Spendesk peut rationaliser les opérations et fournir des informations précieuses pour votre entreprise.",{"type":317,"attrs":5137},{"id":5138,"body":5139},"57c8df11-aa11-4abf-8b14-c6266f42ea37",[5140],{"_uid":5141,"html":5142,"component":4550},"i-39315f73-d678-46c0-acae-912a1247d341","\u003C!--HubSpot Call-to-Action Code -->\u003Cspan class=\"hs-cta-wrapper\" id=\"hs-cta-wrapper-d24384f6-1efd-4cdd-882b-1f1d18585ffa\">\u003Cspan class=\"hs-cta-node hs-cta-d24384f6-1efd-4cdd-882b-1f1d18585ffa\" id=\"hs-cta-d24384f6-1efd-4cdd-882b-1f1d18585ffa\">\u003C!--[if lte IE 8]>\u003Cdiv id=\"hs-cta-ie-element\">\u003C/div>\u003C![endif]-->\u003Ca href=\"https://cta-redirect.hubspot.com/cta/redirect/2694209/d24384f6-1efd-4cdd-882b-1f1d18585ffa\" target=\"_blank\" rel=\"noopener\">\u003Cimg class=\"hs-cta-img\" id=\"hs-cta-img-d24384f6-1efd-4cdd-882b-1f1d18585ffa\" style=\"border-width:0px;\" src=\"https://no-cache.hubspot.com/cta/default/2694209/d24384f6-1efd-4cdd-882b-1f1d18585ffa.png\"  alt=\"New call-to-action\"/>\u003C/a>\u003C/span>\u003Cscript charset=\"utf-8\" src=\"https://js.hscta.net/cta/current.js\">\u003C/script>\u003Cscript type=\"text/javascript\"> hbspt.cta.load(2694209, 'd24384f6-1efd-4cdd-882b-1f1d18585ffa', {\"useNewLoader\":\"true\",\"region\":\"na1\"}); \u003C/script>\u003C/span>\u003C!-- end HubSpot Call-to-Action Code -->",{"name":1216,"created_at":1217,"published_at":127,"updated_at":1218,"id":1219,"uuid":1220,"content":5144,"slug":1228,"full_slug":1229,"sort_by_date":17,"position":161,"tag_list":5146,"is_startpage":14,"parent_id":1231,"meta_data":17,"group_id":1232,"first_published_at":1233,"release_id":17,"lang":141,"path":17,"alternates":5147,"default_full_slug":1235,"translated_slugs":5148,"_stopResolving":150},{"_uid":1222,"icon":5145,"name":1216,"component":1227},{"id":1224,"alt":1225,"name":18,"focus":18,"title":18,"filename":1226,"copyright":18,"fieldtype":19,"is_external_url":14},[],[],[5149,5150,5151],{"path":1235,"name":17,"lang":141,"published":17},{"path":1235,"name":17,"lang":147,"published":17},{"path":1235,"name":17,"lang":149,"published":17},[141],[5154],{"_uid":5155,"asset":5156,"shadow":14,"caption":18,"overlay":5160,"component":345},"4d30de3a-2131-4d76-a0eb-46d418409b1a",{"id":5157,"alt":18,"name":18,"focus":18,"title":18,"source":18,"filename":5158,"copyright":18,"fieldtype":19,"meta_data":5159,"is_external_url":14},21246058,"https://a.storyblok.com/f/146026/568x359/60196c819a/ai-in-finance.png",{},[],[],"2025-03-18 00:00","5",[],"Découvrez comment l'IA redéfinit les services financiers en 2025, de la détection de fraude au traitement automatisé. Apprenez-en plus sur les avantages clés, les stratégies de mise en œuvre et les tendances futures avec des exemples concrets et des statistiques.",[5167],{"_uid":5168,"items":5169,"heading":5206,"reverse":14,"component":1406,"sectionSettings":5224},"acb12fc6-f70d-4275-b3de-ac7f80cc36f2",[5170,5179,5188,5197],{"_uid":5171,"title":5172,"component":1287,"description":5173},"4edf9cf8-d372-4e55-95d9-e0d604102ca4","Comment l'IA va-t-elle transformer la gestion des notes de frais d'ici 2025 ?",{"type":43,"content":5174},[5175],{"type":61,"content":5176},[5177],{"text":5178,"type":52},"Spendesk automatise la capture des reçus, le rapprochement des factures et la catégorisation des dépenses grâce à l'IA, réduisant le travail manuel et accélérant les clôtures. Spendesk combine la capture automatique, les cartes virtuelles et les règles d'approbation pour fournir des rapports en temps réel et améliorer la précision comptable.",{"_uid":5180,"title":5181,"component":1287,"description":5182},"cb0250c4-6204-4c41-9365-b970ca08b8c4","L'IA aide-t-elle à prévenir la fraude et à renforcer la conformité des dépenses ?",{"type":43,"content":5183},[5184],{"type":61,"content":5185},[5186],{"text":5187,"type":52},"Spendesk utilise la détection d'anomalies pilotée par l'IA pour repérer les transactions suspectes et appliquer des contrôles de conformité en temps réel. Spendesk couple ces alertes avec des workflows d'approbation et un audit trail centralisé pour réduire la fraude et simplifier les contrôles internes et les audits.",{"_uid":5189,"title":5190,"component":1287,"description":5191},"07fe7037-0c05-44d2-8aca-e467213145f8","L'IA va-t-elle remplacer les fonctions finance ou changer les compétences requises ?",{"type":43,"content":5192},[5193],{"type":61,"content":5194},[5195],{"text":5196,"type":52},"Spendesk automatise les tâches répétitives comme la saisie des dépenses, le rapprochement et la génération de rapports, libérant du temps pour l'analyse stratégique. Spendesk permet aux équipes financières de se concentrer sur la planification, le contrôle budgétaire et l'analyse plutôt que sur des opérations manuelles.",{"_uid":5198,"title":5199,"component":1287,"description":5200},"9b2759cb-c45b-44c9-bee3-15ec10b29ad1","Comment Spendesk intègre-t-il l'IA aux systèmes comptables et ERP existants ?",{"type":43,"content":5201},[5202],{"type":61,"content":5203},[5204],{"text":5205,"type":52},"Spendesk synchronise les données enrichies par l'IA avec les systèmes comptables via des intégrations natives et des exports de grand livre automatisés. Spendesk fournit un mapping comptable personnalisable, des écritures exportables et des données normalisées pour accélérer le rapprochement et améliorer l'exactitude des écritures.",[5207],{"cta":5208,"_uid":5209,"title":5210,"eyebrow":5217,"subtitle":5220,"component":46,"textAlign":18,"sectionSettings":5223,"breakLineOnMobile":14,"subtitleLeftBorder":14,"customTitleFontSize":18},[],"a98d07c5-7dd0-4de8-b44a-b7a6c522b7e0",{"type":43,"content":5211},[5212],{"type":46,"attrs":5213,"content":5214},{"level":359},[5215],{"text":5216,"type":52},"Comment L Ia Transforme La Finance En 2025 — 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Le MCP fournit un cadre standardisé pour rendre ces données et ces fonctions accessibles à un assistant IA, souvent à partir d’une interface en langage naturel.",{"_uid":7289,"hide":14,"title":7290,"component":1287,"description":7291},"01e0f0ec-81ce-4f08-b5ab-745c84be19cc","Que peut faire un assistant IA connecté aux données Finance ?",{"type":43,"attrs":7292,"content":7293},{"backgroundColor":17},[7294],{"type":61,"attrs":7295,"content":7296},{"textAlign":17},[7297,7299,7303],{"text":7298,"type":52},"Il peut rechercher des dépenses, comparer des périodes, identifier des anomalies, préparer un reporting ou aider à repérer les factures et justificatifs manquants. 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Elle transforme une politique de dépenses générale en ",{"text":7408,"type":52,"marks":7409},"règles concrètes",[7410],{"type":72},{"text":7412,"type":52},", applicables au quotidien.",{"_uid":7414,"hide":14,"title":7415,"component":1287,"description":7416},"b85b28cf-7fbb-4f91-b192-1a57f30a63ca","Combien de niveaux d’approbation faut-il prévoir ?",{"type":43,"attrs":7417,"content":7418},{"backgroundColor":17},[7419],{"type":61,"attrs":7420,"content":7421},{"textAlign":17},[7422],{"text":7423,"type":52},"Trois ou quatre niveaux couvrent la plupart des organisations : validation simple, manager, Finance, puis direction. 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Une dépense récurrente, un nouveau fournisseur ou un engagement pluriannuel peuvent nécessiter une validation renforcée, même si le montant reste inférieur au seuil habituel.",{"_uid":7442,"hide":14,"title":7443,"component":1287,"description":7444},"e49e5ad1-ed3b-41f6-a8c3-00defdedd780","Comment éviter que les validations ralentissent l’entreprise ?",{"type":43,"attrs":7445,"content":7446},{"backgroundColor":17},[7447],{"type":61,"attrs":7448,"content":7449},{"textAlign":17},[7450],{"text":7451,"type":52},"Prévoyez une validation simple pour les petits montants, un approbateur de remplacement et un délai maximal de traitement. 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La saisie consiste ensuite à enregistrer ces informations dans le logiciel comptable.",{"_uid":7556,"hide":14,"title":7557,"component":1287,"description":7558},"c0283b62-da9b-4ace-af44-40de8b071bf3","Quel compte utiliser pour une facture fournisseur ?",{"type":43,"attrs":7559,"content":7560},{"backgroundColor":17},[7561],{"type":61,"attrs":7562,"content":7563},{"textAlign":17},[7564],{"text":7565,"type":52},"Le compte dépend de la nature de la dépense. Une facture d’énergie peut relever du compte 6061, une prestation de conseil d’un compte d’honoraires, et une acquisition durable d’un compte d’immobilisation. Le compte 401 est généralement utilisé pour constater la dette envers un fournisseur d’exploitation.",{"_uid":7567,"hide":14,"title":7568,"component":1287,"description":7569},"5aa4d9e5-67b8-4797-8941-d205226e9b9c","Une facture sans bon de commande peut-elle être comptabilisée ?",{"type":43,"attrs":7570,"content":7571},{"backgroundColor":17},[7572],{"type":61,"attrs":7573,"content":7574},{"textAlign":17},[7575],{"text":7576,"type":52},"Oui. Il faut toutefois disposer d’une preuve de l’achat, vérifier que la prestation a bien été réalisée et faire valider l’exception par la personne compétente. L’absence de bon de commande ne détermine pas le compte comptable à utiliser.",{"_uid":7578,"hide":14,"title":7579,"component":1287,"description":7580},"c6564e89-b7ee-4b12-af62-5cb158f913a4","L’automatisation remplace-t-elle le comptable ?",{"type":43,"attrs":7581,"content":7582},{"backgroundColor":17},[7583],{"type":61,"attrs":7584,"content":7585},{"textAlign":17},[7586],{"text":7587,"type":52},"Non. Un outil peut extraire les données, proposer une codification et appliquer des règles sur les factures récurrentes. La validation humaine reste nécessaire pour les dépenses inhabituelles, les erreurs détectées et les situations qui nécessitent une analyse comptable.",[7589],{"cta":7590,"_uid":7591,"title":7592,"eyebrow":7602,"subtitle":7609,"component":46,"textAlign":18,"eyebrowPill":14,"checkmarkList":14,"flexibleSection":7612,"sectionSettings":7613,"displaySeparator":14,"breakLineOnMobile":14,"subtitleLeftBorder":14,"customTitleFontSize":18},[],"5274e13b-a1e4-4936-afff-d5990567f1d5",{"type":43,"attrs":7593,"content":7594},{"backgroundColor":17},[7595],{"type":46,"attrs":7596,"content":7597},{"level":359,"textAlign":17},[7598],{"text":7599,"type":52,"marks":7600},"Questions fréquentes sur la codification 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à trois voies, découvrez comment comparer commande, livraison et facture pour sécuriser vos paiements fournisseurs et limiter les erreurs.",[],[7675],{"cta":7676,"_uid":7677,"items":7678,"heading":7764,"reverse":14,"component":1406,"sectionSettings":7790},[],"f5d045b0-cf80-447d-ab21-5a9630df1bc3",[7679,7701,7722,7743],{"_uid":7680,"hide":14,"title":7681,"component":1287,"description":7682},"71962f21-f32e-4eb4-8592-9ca401def550","Qu’est-ce que le three-way matching (rapprochement à trois voies) ?",{"type":43,"attrs":7683,"content":7684},{"backgroundColor":17},[7685,7696],{"type":61,"attrs":7686,"content":7687},{"textAlign":17},[7688,7690,7694],{"text":7689,"type":52},"Le three-way matching, ou rapprochement à trois voies, consiste à comparer ",{"text":7691,"type":52,"marks":7692},"le bon de commande, le bon de livraison et la facture",[7693],{"type":72},{"text":7695,"type":52}," avant d’autoriser le paiement.",{"type":61,"attrs":7697,"content":7698},{"textAlign":17},[7699],{"text":7700,"type":52},"Il permet de vérifier que le prix facturé correspond à la commande et que les quantités facturées correspondent aux quantités reçues.",{"_uid":7702,"hide":14,"title":7703,"component":1287,"description":7704},"bc4ebe19-7ad2-4e6f-a309-96c28d9f55bb","Quelle différence entre le rapprochement à deux voies et à trois voies ?",{"type":43,"attrs":7705,"content":7706},{"backgroundColor":17},[7707,7712],{"type":61,"attrs":7708,"content":7709},{"textAlign":17},[7710],{"text":7711,"type":52},"Le rapprochement à deux voies compare le bon de commande et la facture. Il convient généralement aux services, aux abonnements et aux licences sans livraison physique.",{"type":61,"attrs":7713,"content":7714},{"textAlign":17},[7715,7717,7721],{"text":7716,"type":52},"Le rapprochement à trois voies ajoute le bon de livraison afin de contrôler ",{"text":7718,"type":52,"marks":7719},"les quantités réellement reçues",[7720],{"type":72},{"text":659,"type":52},{"_uid":7723,"hide":14,"title":7724,"component":1287,"description":7725},"ebc3eb86-83d0-4ca3-8c37-778b8a5a0ac1","Quels écarts le rapprochement permet-il de détecter ?",{"type":43,"attrs":7726,"content":7727},{"backgroundColor":17},[7728,7733],{"type":61,"attrs":7729,"content":7730},{"textAlign":17},[7731],{"text":7732,"type":52},"Il permet notamment de repérer les écarts de prix et de quantité, les articles non commandés, les livraisons partielles facturées en totalité, les frais supplémentaires et les doublons.",{"type":61,"attrs":7734,"content":7735},{"textAlign":17},[7736,7738,7742],{"text":7737,"type":52},"Chaque écart doit ensuite être analysé selon ",{"text":7739,"type":52,"marks":7740},"les seuils et les règles définis par l’entreprise",[7741],{"type":72},{"text":659,"type":52},{"_uid":7744,"hide":14,"title":7745,"component":1287,"description":7746},"aa2e2273-ef2c-4887-ab07-9c3e9c8fce3e","Le rapprochement à trois voies est-il obligatoire en France ?",{"type":43,"attrs":7747,"content":7748},{"backgroundColor":17},[7749,7754],{"type":61,"attrs":7750,"content":7751},{"textAlign":17},[7752],{"text":7753,"type":52},"Non, le three-way matching n’est pas une obligation légale générale. Il s’agit d’une bonne pratique de contrôle interne qui aide à sécuriser les achats et les paiements.",{"type":61,"attrs":7755,"content":7756},{"textAlign":17},[7757,7759,7763],{"text":7758,"type":52},"La facturation électronique facilite son automatisation, mais ",{"text":7760,"type":52,"marks":7761},"le niveau de rapprochement doit rester adapté à la nature de chaque dépense",[7762],{"type":72},{"text":659,"type":52},[7765],{"cta":7766,"_uid":7767,"title":7768,"eyebrow":7778,"subtitle":7785,"component":46,"textAlign":18,"eyebrowPill":14,"checkmarkList":14,"flexibleSection":7788,"sectionSettings":7789,"displaySeparator":14,"breakLineOnMobile":14,"subtitleLeftBorder":14,"customTitleFontSize":18},[],"f5b9e653-4d2a-42ac-8dd2-65a8fbeba5ff",{"type":43,"attrs":7769,"content":7770},{"backgroundColor":17},[7771],{"type":46,"attrs":7772,"content":7773},{"level":359,"textAlign":17},[7774],{"text":7775,"type":52,"marks":7776},"Questions fréquentes sur le rapprochement à trois voies",[7777],{"type":72},{"type":43,"attrs":7779,"content":7780},{"backgroundColor":17},[7781],{"type":61,"attrs":7782,"content":7783},{"textAlign":17},[7784],{"text":1400,"type":52},{"type":43,"content":7786},[7787],{"type":61},[],[],[],"rapprochement-a-trois-voies","fr/blog/rapprochement-a-trois-voies",-3360,[],"7248ac8f-37ae-4623-b634-a4839776c811",[],"blog/rapprochement-a-trois-voies",[7799,7800,7801],{"path":7797,"name":17,"lang":141,"published":17},{"path":7797,"name":17,"lang":147,"published":17},{"path":7797,"name":17,"lang":149,"published":17},"325",1790962331068]