{"id":13175,"date":"2026-11-10T17:32:32","date_gmt":"2026-11-10T16:32:32","guid":{"rendered":"https:\/\/www.eurogroupconsulting.com\/?p=13175"},"modified":"2026-11-10T17:32:34","modified_gmt":"2026-11-10T16:32:34","slug":"transformer-le-traitement-des-successions-en-levier-de-performance","status":"publish","type":"post","link":"https:\/\/www.eurogroupconsulting.com\/en\/publications\/article\/transformer-le-traitement-des-successions-en-levier-de-performance","title":{"rendered":"Transformer le traitement des successions en levier de performance"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"13175\" class=\"elementor elementor-13175\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-49d8932 e-con-full e-flex e-con e-parent\" data-id=\"49d8932\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6b14606 elementor-widget elementor-widget-text-editor\" data-id=\"6b14606\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h5 data-pm-slice=\"1 1 []\"><strong>Le vieillissement d\u00e9mographique et la complexification des configurations familiales et patrimoniales font \u00e9voluer les enjeux de la gestion des successions pour les banques. Pr\u00e8s de <a href=\"https:\/\/www.insee.fr\/fr\/statistiques\/5760764\" target=\"_blank\" rel=\"noopener\">10 millions de d\u00e9c\u00e8s sont projet\u00e9s en France d&rsquo;ici 2040<\/a>, avec une hausse des volumes \u00e0 traiter et des besoins d&rsquo;accompagnement des h\u00e9ritiers.<\/strong><\/h5><h5 data-pm-slice=\"1 1 []\"><strong>Historiquement con\u00e7us pour cl\u00f4turer les dossiers, les mod\u00e8les bancaires doivent d\u00e9sormais int\u00e9grer un enjeu suppl\u00e9mentaire : pr\u00e9server la relation avec les familles et les capitaux transmis.<\/strong><\/h5>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-df180d0 elementor-widget elementor-widget-heading\" data-id=\"df180d0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">D'un mod\u00e8le de cl\u00f4ture \u00e0 un enjeu de continuit\u00e9 relationnelle<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-223a922 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"223a922\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1300bf6 elementor-widget elementor-widget-text-editor\" data-id=\"1300bf6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p data-pm-slice=\"1 1 []\">Cette \u00e9volution suppose d&rsquo;adapter les parcours \u00e0 la complexit\u00e9 des situations, d&rsquo;automatiser les op\u00e9rations qui peuvent l&rsquo;\u00eatre et de renforcer la coordination entre les diff\u00e9rentes expertises mobilis\u00e9es.<\/p><p data-pm-slice=\"1 1 []\">Le num\u00e9rique peut faciliter les d\u00e9marches courantes et le suivi des dossiers, tandis que l&rsquo;accompagnement humain reste essentiel pour les situations complexes, urgentes ou sensibles. L&rsquo;enjeu est de mieux articuler ces deux dimensions pour absorber la hausse des volumes sans d\u00e9grader la qualit\u00e9 de service.<\/p><p data-pm-slice=\"1 1 []\"><strong>Cette transformation repose sur cinq leviers :<\/strong><\/p><div><ul><li><strong>Adopter une approche globale de la succession :<\/strong> couvrir l&rsquo;ensemble du parcours, de la pr\u00e9paration de la transmission \u00e0 la relation post-succession.\u00a0<\/li><\/ul><div><ul><li><strong>Diff\u00e9rencier les modalit\u00e9s de traitement :<\/strong> adapter les parcours \u00e0 la complexit\u00e9 des dossiers, \u00e0 leur urgence et aux besoins d&rsquo;accompagnement<\/li><li><strong>Installer une responsabilit\u00e9 de bout en bout :<\/strong> mieux coordonner les expertises et assurer le pilotage de l&rsquo;ensemble du parcours.<\/li><li><strong>Mettre la technologie au service de la lisibilit\u00e9 et de la relation<\/strong> : simplifier les d\u00e9marches, am\u00e9liorer le suivi des dossiers et faciliter les \u00e9changes avec les familles.<\/li><li><strong>Piloter la valeur cr\u00e9\u00e9e :<\/strong> mesurer la performance op\u00e9rationnelle, la satisfaction des ayants droit et la pr\u00e9servation des capitaux.\u00a0<\/li><\/ul><p>\u00a0<\/p><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-06011f2 elementor-widget elementor-widget-heading\" data-id=\"06011f2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Faire de l'excellence op\u00e9rationnelle un levier de valeur<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d39246d elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"d39246d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a730613 elementor-widget elementor-widget-text-editor\" data-id=\"a730613\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p data-pm-slice=\"1 1 []\">Cette \u00e9volution suppose d&rsquo;adapter les parcours \u00e0 la complexit\u00e9 des situations, d&rsquo;automatiser les op\u00e9rations qui peuvent l&rsquo;\u00eatre et de renforcer la coordination des expertises.<\/p><p><strong>L&rsquo;objectif<\/strong> : concilier efficacit\u00e9 op\u00e9rationnelle, qualit\u00e9 relationnelle et pr\u00e9servation des capitaux dans la dur\u00e9e.<\/p><p>\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c15fb09 e-con-full e-flex e-con e-parent\" data-id=\"c15fb09\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1eaee50 elementor-widget elementor-widget-text-editor\" data-id=\"1eaee50\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<div data-rtl=\"false\" data-row-effect-mobile-disable=\"true\"><p data-pm-slice=\"1 1 []\"><strong>T\u00e9l\u00e9chargez l&rsquo;article complet, r\u00e9dig\u00e9 par <a href=\"https:\/\/www.eurogroupconsulting.com\/en\/the-firm\/our-partners\/yves-jose-de-miguel\/\">Yves-Jos\u00e9 de Miguel<\/a>, Associ\u00e9, et<a href=\"https:\/\/www.linkedin.com\/in\/laurent-de-guiringaud-772b9429\/\" target=\"_blank\" rel=\"noopener\"> Laurent de Guiringaud<\/a>, Directeur chez Eurogroup Consulting.\u00a0<\/strong><\/p><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Le vieillissement d\u00e9mographique et la complexification des configurations familiales et patrimoniales font \u00e9voluer les enjeux de la gestion des successions pour les banques. Pr\u00e8s de 10 millions de d\u00e9c\u00e8s sont projet\u00e9s en France d\u2019ici 2040, avec une hausse des volumes \u00e0 traiter et des besoins d\u2019accompagnement des h\u00e9ritiers.<\/p>","protected":false},"author":6,"featured_media":13164,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[32],"tags":[38,43],"class_list":["post-13175","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-article","tag-featured-post","tag-highlight"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Traitement des successions : un levier de performance<\/title>\n<meta name=\"description\" content=\"Gestion des successions bancaires : fluidifier les parcours, accompagner les h\u00e9ritiers et pr\u00e9server la relation bancaire dans la dur\u00e9e.\" 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