{"id":39056,"date":"2026-04-15T20:10:05","date_gmt":"2026-04-15T18:10:05","guid":{"rendered":"https:\/\/www.fbf.fr\/fr\/?p=39056"},"modified":"2026-04-16T14:19:43","modified_gmt":"2026-04-16T12:19:43","slug":"euro-numerique-de-detail-comment-conclure-un-partenariat-public-prive","status":"publish","type":"post","link":"https:\/\/fbf.fr\/fr\/euro-numerique-de-detail-comment-conclure-un-partenariat-public-prive\/","title":{"rendered":"Euro num\u00e9rique de d\u00e9tail : comment conclure un partenariat public-priv\u00e9 ? Quels risques \u00e9viter ?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>Les projets de r\u00e8glement encadrant la cr\u00e9ation d\u2019un euro num\u00e9rique de d\u00e9tail ont fait l\u2019objet d\u2019une orientation g\u00e9n\u00e9rale le 19 d\u00e9cembre 2025 entre les Etats membres au sein du Conseil Ecofin. Cette approche comporte un certain nombre de dispositions qui pr\u00e9occupent les acteurs \u00e9conomiques. C\u2019est pourquoi, avant les prochaines \u00e9tapes institutionnelles, notamment au Parlement europ\u00e9en, les banques souhaitent expliquer leurs vues et exposer comment, \u00e0 leur sens, il sera possible de parvenir \u00e0 un v\u00e9ritable partenariat public-priv\u00e9 \u2013 comme l\u2019appelle de ses voeux le Pr\u00e9sident de la R\u00e9publique fran\u00e7aise, autour du projet d\u2019euro num\u00e9rique de d\u00e9tail port\u00e9 par la Banque centrale europ\u00e9enne (BCE).<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">L\u2019objectif de ce document de la F\u00e9d\u00e9ration bancaire fran\u00e7aise \u00ab L\u2019euro num\u00e9rique de d\u00e9tail : un partenariat public-priv\u00e9, comment ? \u00bb est de r\u00e9pondre \u00e0 deux questions essentielles :<br><br><strong>1.Comment conclure un partenariat public-priv\u00e9 ?<\/strong><br>Il faut modifier les projets de R\u00e8glement sur l\u2019euro num\u00e9rique afin de :<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u2022 demander \u00e0 la BCE de r\u00e9utiliser les infrastructures et les standards existants (notamment virement instantan\u00e9 et autres dispositifs d\u00e9j\u00e0 op\u00e9rationnels) pour \u00e9viter leur duplication et donc des d\u00e9penses inutiles ; c\u2019est la piste de \u00ab partenariat public\/priv\u00e9 \u00bb ;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u2022 encadrer ou mieux cadrer l\u2019open funding pour que la relation client \u2013 et la distribution de l\u2019euro num\u00e9rique de d\u00e9tail \u2013 ne soit pas monopolis\u00e9e par des acteurs extra-europ\u00e9ens ;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u2022 fixer une limite de d\u00e9tention basse en coh\u00e9rence avec les usages des moyens de paiement (pour rappel, les encours moyens de monnaie de banque centrale d\u00e9tenus par les m\u00e9nages pour des transactions sont proches de 100\u20ac en moyenne) et les objectifs de stabilit\u00e9 financi\u00e8re et le financement bancaire des m\u00e9nages et des entreprises dans la zone euro ;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u2022 aligner le fonctionnement de l\u2019euro num\u00e9rique de d\u00e9tail hors ligne avec les standards de pr\u00e9vention de la fraude et de lutte contre la criminalit\u00e9. Le dispositif actuellement envisag\u00e9 pour l\u2019euro num\u00e9rique de d\u00e9tail hors ligne conduirait \u00e0 la cr\u00e9ation d\u2019un instrument de paiement num\u00e9rique non tra\u00e7able, ce qui entraverait l\u2019action men\u00e9e par les autorit\u00e9s publiques en mati\u00e8re de lutte contre la fraude, le blanchiment de capitaux et le financement du terrorisme.<br><br><strong>2.Quels risques \u00e9viter ?<\/strong><br>Ces propositions limiteront quelques-uns des risques forts que les acteurs priv\u00e9s des paiements identifient sur l\u2019euro num\u00e9rique de d\u00e9tail. M\u00eame avec ces \u00e9volutions, nous estimons que le projet d\u2019euro num\u00e9rique ne permettra ni de r\u00e9pondre aux enjeux de souverainet\u00e9 europ\u00e9enne des paiements, ni de renforcer le r\u00f4le international de l\u2019euro.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00c0 l\u2019inverse, nous estimons qu\u2019il comporte le risque de mobiliser des ressources consid\u00e9rables \u2013 de l\u2019ordre de plusieurs dizaines de milliards d\u2019euros \u2013 qui pourraient \u00eatre bien plus utilement consacr\u00e9es au renforcement de la souverainet\u00e9 europ\u00e9enne.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En effet, notre conviction et notre exp\u00e9rience est que la souverainet\u00e9 europ\u00e9enne dans les paiements passe aussi par des acteurs de paiements et des solutions de paiement europ\u00e9ens.<\/p>\n\n\n<div class=\"postAttachment\"><div class=\"postAttachment__wrapper\"><div class=\"postAttachment__info\"><p class=\"postAttachment__name\">L&#039;Euro num\u00e9rique de d\u00e9tail : un partenariat public-priv\u00e9, comment ? (PDF)<\/p><p class=\"postAttachment__fileSize\">601,9 Ko<\/p><\/div><a class=\"postActions__action postActions__action--big clickEvent postAttachement_link\" data-wp-interactive=\"fbf\/tracking\" data-wp-context=\"{&quot;category&quot;:&quot;file&quot;,&quot;action&quot;:&quot;download&quot;,&quot;label&quot;:&quot;L\\u0027Euro num\u00e9rique de d\u00e9tail : un partenariat public-priv\u00e9, comment ? (PDF)&quot;}\" data-wp-on--click=\"actions.push\" data-eventcategory=\"file\" data-eventaction=\"download\" data-eventlabel=\"L&#039;Euro num\u00e9rique de d\u00e9tail : un partenariat public-priv\u00e9, comment ? (PDF)\" href=\"https:\/\/fbf.fr\/uploads\/2026\/04\/FBF-Euro-Nume\u0301rique-FR-13-Pages.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><span class=\"postActions__label\">T\u00e9l\u00e9charger L&#039;Euro num\u00e9rique de d\u00e9tail : un partenariat public-priv\u00e9, comment ? (PDF)<\/span><svg role=\"presentation\" class=\"postActions__icon\" width=\"14\"><use href=\"#download\" xlink:href=\"#download\"\/><\/svg><\/a><\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>Les projets de r\u00e8glement encadrant la cr\u00e9ation d\u2019un euro num\u00e9rique de d\u00e9tail ont fait l\u2019objet d\u2019une orientation g\u00e9n\u00e9rale le 19 d\u00e9cembre 2025 entre les Etats membres au sein du Conseil Ecofin. Cette approche comporte un certain nombre de dispositions qui pr\u00e9occupent les acteurs \u00e9conomiques. C\u2019est pourquoi, avant les prochaines \u00e9tapes institutionnelles, notamment au Parlement europ\u00e9en, [&hellip;]<\/p>\n","protected":false},"author":36,"featured_media":39085,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","views":2002,"viewed_at":"1778495161"},"categories":[1585,3352,3348,1586,3321,1582,3442,3358,3436],"tags":[3278,3272,3286],"class_list":["post-39056","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualites","category-europe-et-international","category-industrie-bancaire-francaise","category-la-federation-bancaire-francaise","category-mots-cles","category-rubrique-newsroom","category-nos-actions","category-paiement","category-priorites-europeennes","tag-europe-et-international","tag-industrie-bancaire-francaise","tag-paiement"],"yoast_head":"<title>Euro num\u00e9rique de d\u00e9tail : comment conclure un partenariat public-priv\u00e9 ? 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