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Jusqu’en octobre 2024, j’avais de gros doutes sur l’application de l’IA dans la finance.",{"type":75,"attrs":164,"content":166},{"textAlign":24,"key":165},"p-1",[167],{"text":168,"type":81,"marks":169},"Certes, j'avais lu les gros titres et assisté aux conférences. Mais comme beaucoup de directeurs financiers, je me demandais si le battage médiatique correspondait à la réalité. Puis est venu le moment qui a tout changé. C'était lors d'une banale revue mensuelle de performance dans mon précédent poste chez Aviv. Je fixais des tableaux Excel, rédigeais manuellement des commentaires d'analyse d'écarts pour la centième fois. Sur un coup de tête, j'ai essayé d'utiliser GPT pour préremplir l'analyse.",[170],{"type":84,"attrs":171},{"color":86},{"type":75,"attrs":173,"content":175},{"textAlign":24,"key":174},"p-2",[176],{"text":177,"type":81,"marks":178},"Dix secondes. 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Étant donné que je venais d'avoir ma propre révélation sur l'IA, je savais que c'était là que je devais être.",[197],{"type":84,"attrs":198},{"color":86},{"type":200,"attrs":201,"content":203},"heading",{"level":202,"textAlign":24},2,[204],{"text":205,"type":81,"marks":206},"L'écart entre optimisme et action",[207],{"type":84,"attrs":208},{"color":86},{"type":75,"attrs":210,"content":212},{"textAlign":24,"key":211},"p-5",[213],{"text":214,"type":81,"marks":215},"Voici le paradoxe. Alors que 85% des DAFs sont optimistes concernant l'IA, 61% n'ont rien mis en place. Je comprends l'hésitation. Je l'ai eue moi aussi.",[216],{"type":84,"attrs":217},{"color":86},{"type":75,"attrs":219,"content":221},{"textAlign":24,"key":220},"p-6",[222],{"text":223,"type":81,"marks":224},"Les préoccupations sont réelles. Incertitude sur le ROI, manque de compétences, problèmes de confiance. Pendant ce temps, nos collègues des ventes, du marketing et des RH expérimentent déjà. 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Je mets en œuvre ces outils en interne tout en observant comment ils transforment les opérations de milliers d'équipes finance.",[293],{"type":84,"attrs":294},{"color":86},{"type":200,"attrs":296,"content":297},{"level":202,"textAlign":24},[298],{"text":299,"type":81,"marks":300},"Pourquoi c'est important maintenant",[301],{"type":84,"attrs":302},{"color":86},{"type":75,"attrs":304,"content":305},{"textAlign":24,"key":211},[306],{"text":307,"type":81,"marks":308},"Nous sommes à un point d'inflexion. La finance a toujours été une question de transformation, des grands livres papier aux tableurs, des tableurs aux systèmes cloud, et maintenant vers des opérations augmentées par l'IA.",[309],{"type":84,"attrs":310},{"color":86},{"type":75,"attrs":312,"content":313},{"textAlign":24,"key":220},[314,319,321],{"text":315,"type":81,"marks":316},"Il ne s'agit pas seulement d'efficacité. 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ce que vous lisez ?",[1824],{"cta":1825,"_uid":1840,"image":1841,"title":1843,"subtitle":1856,"component":1791},[1826],{"tag":51,"_uid":1827,"hide":27,"icon":1828,"link":1830,"type":51,"label":1838,"style":62,"component":63,"mobileLabel":51,"onClickEvent":1839,"openInANewTab":27,"horizontalFill":27},"9cd3ad49-6a07-48f7-9aa3-34022fabf2d5",{"id":24,"alt":24,"name":51,"focus":24,"title":24,"source":24,"filename":51,"copyright":24,"fieldtype":56,"meta_data":1829},{},{"id":1831,"url":51,"linktype":449,"fieldtype":61,"cached_url":1832,"prep":40,"story":1833},"0e21aea9-1207-42a1-93a5-48a5a547b5d4","/fr/platform-tour",{"name":1834,"id":1835,"uuid":1831,"slug":1836,"url":1836,"full_slug":1837,"_stopResolving":40},"Platform tour",413550505,"platform-tour","fr/platform-tour","Voir la démo 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Abonnez-vous à notre newsletter pour rester informé.",[1863,1864],"08873884-f99d-46d2-9481-0563134fdd37","2ef12409-8f14-46b2-a8d0-0175290269ec",[1866],{"cta":1867,"_uid":1868,"items":1869,"heading":1992,"reverse":27,"component":2013,"sectionSettings":2014},[],"1320905c-cdee-41a4-bbec-6d93ca2e4e3f",[1870,1933],{"_uid":1871,"title":1872,"component":1873,"description":1874},"dfc0accd-ab64-464a-8597-b76754748f04","Qu'est-ce que la gestion des dépenses ?","faqItem",{"type":72,"content":1875},[1876,1880],{"type":75,"content":1877},[1878],{"text":1879,"type":81},"Les dépenses de l'entreprise peuvent être de plusieurs types :",{"type":1881,"attrs":1882,"content":1886},"ordered_list",{"order":1883,"key":1885},{"order":1884},1,"ol-0",[1887,1900,1911],{"type":1888,"content":1889},"list_item",[1890],{"type":75,"content":1891},[1892,1896,1898],{"text":1893,"type":81,"marks":1894},"Les dépenses stratégiques",[1895],{"type":1069},{"text":1897,"type":81}," sont généralement centralisées et gérées par des décideurs qui ont la responsabilité sur des dépenses spécifiques. Elles peuvent être gérées au moyen de factures, virements électroniques et bons de commande.",{"type":1899},"hard_break",{"type":1888,"content":1901},[1902],{"type":75,"content":1903},[1904,1908,1910],{"text":1905,"type":81,"marks":1906},"Les dépenses opérationnelles",[1907],{"type":1069},{"text":1909,"type":81}," sont également centralisées, mais les dépenses sont effectuées par les gestionnaires et les employés dans leur vie professionnelle de façon quotidienne. Elles comprennent les achats par carte, abonnements, campagnes digitales, événements, commandes diverses pour le bureau ou encore les voyages d'affaires.",{"type":1899},{"type":1888,"content":1912},[1913],{"type":75,"content":1914},[1915,1919,1921,1922,1923,1925,1926,1927,1929,1930,1931],{"text":1916,"type":81,"marks":1917},"Les autres frais",[1918],{"type":1069},{"text":1920,"type":81},", contrairement aux dépenses stratégiques et opérationnelles, représentent un nombre important de petits achats qui peuvent être difficiles à suivre. Il s'agit notamment des paiements par carte, demandes de remboursement des dépenses terrains et des frais de déplacement.",{"type":1899},{"type":1899},{"text":1924,"type":81},"La gestion des dépenses est le processus par lequel les entreprises gèrent toutes ces dépenses professionnelles. 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Les employés ont besoin d'outils flexibles et intuitifs pour pouvoir dépenser facilement et être en mesure de faire leur travail.",{"type":1899},{"type":1899},{"text":1932,"type":81},"C'est à ce moment-là que Spendesk devient le bon choix.",{"_uid":1934,"title":1935,"component":1873,"description":1936},"f20ef905-76e9-4b90-a0db-1e8c1c5ae03f","Comment fonctionne Spendesk ?",{"type":72,"content":1937},[1938,1942,1946,1955,1959,1963,1972,1976,1980,1984,1988],{"type":75,"content":1939},[1940],{"text":1941,"type":81},"Spendesk fournit des moyens de paiement connectés à une plateforme puissante de gestion des dépenses conçue pour les équipes financières.",{"type":75,"content":1943},[1944],{"text":1945,"type":81},"Il s'agit notamment de cartes de débit pour remplacer les cartes bancaires traditionnelles, de cartes virtuelles pour les achats en ligne et de notes de frais automatisées pour les achats imprévus.",{"type":75,"content":1947},[1948,1952,1953],{"text":1949,"type":81,"marks":1950},"Pour les employés",[1951],{"type":1069},{"type":1899},{"text":1954,"type":81},"Les employés n'ont plus besoin d'avancer de l'argent. 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Certaines solutions proposent un essai ou une offre limitée. Vérifiez toutefois ",{"text":2419,"type":81,"marks":2420},"les fonctions de consolidation, de prévision et d’intégration",[2421],{"type":1069},{"text":2423,"type":81}," incluses dans l’offre gratuite.",{"_uid":2425,"hide":27,"title":2426,"component":1873,"description":2427},"80b4e1f6-ffd0-455b-bf28-d9d5824412dd","Qu’est-ce qu’un TMS ?",{"type":72,"attrs":2428,"content":2429},{"backgroundColor":24},[2430],{"type":75,"attrs":2431,"content":2432},{"textAlign":24},[2433,2435,2439],{"text":2434,"type":81},"Un TMS, ou Treasury Management System, est une plateforme de trésorerie destinée principalement aux ETI et aux grands groupes. 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