{"id":1131,"date":"2025-04-28T18:45:18","date_gmt":"2026-05-11T15:47:22","guid":{"rendered":"https:\/\/younited.com\/partners\/reference\/comment-lintelligence-artificielle-revolutionne-le-credit-instantane-pour-les-commercants\/"},"modified":"2026-06-08T10:32:56","modified_gmt":"2026-06-08T10:32:56","slug":"comment-lintelligence-artificielle-revolutionne-le-credit-instantane-pour-les-commercants","status":"publish","type":"reference","link":"https:\/\/younited.com\/partners\/fr\/references\/comment-lintelligence-artificielle-revolutionne-le-credit-instantane-pour-les-commercants\/","title":{"rendered":"Paiement et IA : comment l&#8217;intelligence artificielle r\u00e9volutionne le cr\u00e9dit instantan\u00e9 au service des retailers"},"content":{"rendered":"\n<div class=\"wp-block-group alignwide has-global-padding is-layout-constrained wp-container-core-group-is-layout-4383d167 wp-block-group-is-layout-constrained\">\n<p>Lors de la Matinale E-Commerce du 9 avril, Anne-Gaelle Fauchon, Directrice Marketing B2B chez Younited, a engag\u00e9 une discussion avec Eric Latour Cloud Solution Architect chez Microsoft,  sur la mani\u00e8re dont l\u2019IA r\u00e9volutionne l\u2019exp\u00e9rience client dans le retail.<\/p>\n\n\n\n<p>Depuis 2017, Younited collabore avec Microsoft pour int\u00e9grer l\u2019IA au c\u0153ur de ses processus de cr\u00e9dit : analyse en temps r\u00e9el, \u00e9valuation des risques plus pr\u00e9cise, prise de d\u00e9cision en moins de 5 minutes.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignwide has-global-padding is-layout-constrained wp-container-core-group-is-layout-1b46ebf5 wp-block-group-is-layout-constrained\" style=\"margin-top:var(--wp--preset--spacing--4-xl);margin-bottom:var(--wp--preset--spacing--4-xl)\">\n<h2 class=\"wp-block-heading\">Regarder le replay<\/h2>\n\n\n\n<p>Dans notre atelier, d\u00e9couvrez des cas concrets de la mani\u00e8re dont l\u2019IA agit comme un booster pour les e-commer\u00e7ants et les retailers.<\/p>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"block block--modal-video align wp-block-yuc-modal-video\">\n\t<figure class=\"block__image-wrapper\">\n\t\t<img loading=\"lazy\" decoding=\"async\" width=\"790\" height=\"491\" src=\"https:\/\/younited.com\/app\/uploads\/sites\/3\/2026\/05\/lamatinale-avril2025-frv4-790x491.jpg\" class=\"block__image\" alt=\"\" data-location=\"\" \/>\t<\/figure>\n\n\t\t<button type=\"button\" class=\"block__video-button button-reset\" aria-controls=\"modal-video-1\">\n\t\t<span class=\"sr-only\">Play video (displayed in a dialog window)<\/span>\n\t\t<div class=\"block__video-button-icon\" aria-hidden=\"true\">\n\t\t\t<svg class=\"icon icon-play\" aria-hidden=\"true\" focusable=\"false\"><use href=\"https:\/\/younited.com\/app\/themes\/younited-fse\/dist\/icons\/sprite.svg?v=961d9d4b#icon-play\"><\/use><\/svg>\t\t<\/div>\n\t<\/button>\n\n\t<dialog id=\"modal-video-1\" class=\"block__video-dialog\" closedby=\"any\">\n\t\t<button type=\"button\" class=\"block__video-dialog-close button-reset\" aria-controls=\"modal-video-1\" aria-label=\"Close video dialog\">\n\t\t\t<svg class=\"icon icon-close\" aria-hidden=\"true\" focusable=\"false\"><use href=\"https:\/\/younited.com\/app\/themes\/younited-fse\/dist\/icons\/sprite.svg?v=961d9d4b#icon-close\"><\/use><\/svg>\t\t<\/button>\n\t\t\t\t<div id=\"modal-video-1-player\" class=\"block__video-player\" data-youtube-id=\"pIBZwk0LM0I\" aria-label=\"YouTube video player\"><\/div>\n\t\t\t<\/dialog>\n\t<\/div>\n\n\n\n<div class=\"wp-block-buttons is-style-small is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-a89b3969 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-secondary has-icon has-icon-arrow-right has-icon-position-left\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.youtube.com\/watch?v=pIBZwk0LM0I\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"><span class=\"wp-block-button__link-icon\" aria-hidden=\"true\"><svg viewBox='0 0 24 24' xmlns='http:\/\/www.w3.org\/2000\/svg'><path d='M13.4697 6.61252C13.7626 6.31963 14.2374 6.31963 14.5303 6.61252L19.5303 11.6125C19.8232 11.9054 19.8232 12.3803 19.5303 12.6732L14.5303 17.6732C14.2374 17.9661 13.7626 17.9661 13.4697 17.6732C13.1768 17.3803 13.1768 16.9054 13.4697 16.6125L17.1893 12.8929H5C4.58579 12.8929 4.25 12.5571 4.25 12.1429C4.25 11.7286 4.58579 11.3929 5 11.3929H17.1893L13.4697 7.67318C13.1768 7.38029 13.1768 6.90542 13.4697 6.61252Z'\/><\/svg><\/span>Ouvrir sur Youtube<\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignfull wp-pattern wp-pattern-text is-style-light has-global-padding is-layout-constrained wp-container-core-group-is-layout-50230293 wp-block-group-is-layout-constrained\" style=\"margin-top:var(--wp--preset--spacing--l);margin-bottom:var(--wp--preset--spacing--l);padding-top:var(--wp--preset--spacing--4-xl);padding-right:var(--wp--preset--spacing--l);padding-bottom:var(--wp--preset--spacing--4-xl);padding-left:var(--wp--preset--spacing--l)\">\n<h2 class=\"wp-block-heading\">Points cl\u00e9s \u00e0 retenir<\/h2>\n\n\n\n<p>Younited est le principal fournisseur de cr\u00e9dit instantan\u00e9 en Europe, offrant des pr\u00eats \u00e0 la consommation avec des d\u00e9cisions de cr\u00e9dit rapides.<\/p>\n\n\n\n<p>La conf\u00e9rence a mis en lumi\u00e8re l\u2019impact de l\u2019IA&nbsp; sur le parcours de paiement par cr\u00e9dit pour les marketplaces, les marques et les entreprises de commerce \u00e9lectronique, avec des exemples de Microsoft et Younited.<\/p>\n\n\n\n<p>Voici 4 points cl\u00e9s \u00e0 retenir :<\/p>\n\n\n\n<ul class=\"wp-block-list is-style-big\">\n<li><strong>Simplification de l\u2019approbation du cr\u00e9dit<\/strong>&nbsp;: L\u2019IA permet une analyse hyper-personnalis\u00e9e des donn\u00e9es en temps r\u00e9el, facilitant l\u2019acceptation du cr\u00e9dit en moins de 5 minutes.<\/li>\n\n\n\n<li><strong>Am\u00e9lioration de l\u2019exp\u00e9rience client<\/strong>&nbsp;: L\u2019int\u00e9gration de l\u2019IA dans le processus de cr\u00e9dit r\u00e9duit les frictions et augmente les taux de conversion.<\/li>\n\n\n\n<li><strong>S\u00e9curit\u00e9 et efficacit\u00e9<\/strong>&nbsp;: L\u2019Agentic AI de Microsoft g\u00e8re de mani\u00e8re autonome les retours de produits et d\u00e9tecte les comportements suspects, assurant un environnement de commerce \u00e9lectronique plus s\u00e9curis\u00e9.<\/li>\n\n\n\n<li><strong>Synergie entre l\u2019IA et l\u2019expertise humaine<\/strong>&nbsp;: L\u2019IA traite les cas simples et volumineux, tandis que les humains g\u00e8rent les situations complexes, optimisant la performance des entreprises.<\/li>\n<\/ul>\n\n\n\n<p>Ces points illustrent comment l\u2019IA transforme le cr\u00e9dit instantan\u00e9 en un puissant levier de performance pour les retailers.<\/p>\n<\/div>\n","protected":false},"author":33,"featured_media":2896,"template":"","meta":{"_acf_changed":false,"content-type":""},"solution":[497],"reference_type":[567],"business_sector":[397],"class_list":["post-1131","reference","type-reference","status-publish","has-post-thumbnail","hentry","solution-pay","reference_type-conference","business_sector-retail"],"acf":[],"yoast_head":"<title>Paiement et IA : comment l&#039;intelligence artificielle r\u00e9volutionne le cr\u00e9dit instantan\u00e9 au service des retailers<\/title>\n<meta name=\"description\" content=\"D\u00e9couvrez comment l&#039;intelligence artificielle r\u00e9volutionne le cr\u00e9dit instantan\u00e9 au service des retailers. 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