{"id":20785,"date":"2023-02-21T18:02:47","date_gmt":"2023-02-21T17:02:47","guid":{"rendered":"https:\/\/payconiq.lu\/?p=20785"},"modified":"2024-11-07T16:19:22","modified_gmt":"2024-11-07T15:19:22","slug":"payconiq-luxembourg-takes-a-look-at-the-key-payment-topics-for-luxembourg-in-2023","status":"publish","type":"post","link":"https:\/\/payconiq.lu\/fr\/news\/payconiq-luxembourg-takes-a-look-at-the-key-payment-topics-for-luxembourg-in-2023\/","title":{"rendered":"Payconiq Luxembourg se penche sur les principaux sujets li\u00e9s aux paiements au Luxembourg en 2023."},"content":{"rendered":"<p><div class=\"fusion-fullwidth fullwidth-box glow_effect header_actu nonhundred-percent-fullwidth non-hundred-percent-height-scrolling fusion-no-small-visibility fusion-no-medium-visibility\"  style='background-color: #ff4785;background-position: right center;background-repeat: no-repeat;padding-right:30px;padding-left:30px;'><div class=\"fusion-builder-row fusion-row \"><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_2 fusion-builder-column-1 fusion-one-half fusion-column-first fusion-blend-mode full_left 1_2\"  style='margin-top:0px;margin-bottom:0px;width:48%; margin-right: 4%;'>\n\t\t\t\t\t<div class=\"fusion-column-wrapper\" style=\"background-color:#FF4785;padding: 85px 0px 160px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\">\n\t\t\t\t\t\t<div class=\"fusion-clearfix\"><\/div>\n\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\"  style='background-color: rgba(255,255,255,0);background-position: center center;background-repeat: no-repeat;padding-bottom:20px;padding-left:30px;'><div class=\"fusion-builder-row fusion-row \"><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_1 fusion-builder-column-2 fusion-one-full fusion-column-first fusion-column-last title-news 1_1\"  style='margin-top:0px;margin-bottom:0px;'>\n\t\t\t\t\t<div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\">\n\t\t\t\t\t\t<div class=\"fusion-title title fusion-title-1 fusion-title-size-one\" style=\"margin-top:0px;margin-bottom:31px;\"><h1 class=\"title-heading-left\" style=\"margin:0;\"><p style=\"color: #ffffff;\">News<\/p><\/h1><div class=\"title-sep-container\"><div class=\"title-sep sep-double sep-solid\" style=\"border-color:#e0dede;\"><\/div><\/div><\/div><div class=\"fusion-clearfix\"><\/div>\n\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_1 fusion-builder-column-3 fusion-one-full fusion-column-first fusion-column-last back-posts 1_1\"  style='margin-top:0px;margin-bottom:0px;'>\n\t\t\t\t\t<div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\">\n\t\t\t\t\t\t<div class=\"fusion-text\"><p><a href=\"\/fr\/actualites\/\"><i class=\"fontawesome-icon fa-angle-left fas circle-no\" style=\"color: #726d65; position: relative; top: 8px;\"><\/i>Retour \u00e0 la page news<\/a><\/p>\n<\/div><div class=\"fusion-clearfix\"><\/div>\n\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\"  style='background-color: rgba(255,255,255,0);background-position: center center;background-repeat: no-repeat;padding-top:50px;padding-right:30px;padding-bottom:50px;padding-left:30px;'><div class=\"fusion-builder-row fusion-row \"><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_5 fusion-builder-column-4 fusion-one-fifth fusion-column-first 1_5\"  style='margin-top:0px;margin-bottom:0px;width:20%;width:calc(20% - ( ( 4% + 4% ) * 0.2 ) );margin-right: 4%;'>\n\t\t\t\t\t<div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\">\n\t\t\t\t\t\t<div class=\"fusion-clearfix\"><\/div>\n\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_3_5 fusion-builder-column-5 fusion-three-fifth 3_5\"  style='margin-top:0px;margin-bottom:0px;width:60%;width:calc(60% - ( ( 4% + 4% ) * 0.6 ) );margin-right: 4%;'>\n\t\t\t\t\t<div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\">\n\t\t\t\t\t\t<div class=\"fusion-text\"><p style=\"text-align: center;\"><span style=\"font-size: 22px;\"><strong>Un aper\u00e7u des principaux sujets li\u00e9s aux paiements pour le Luxembourg en 2023.<\/strong><br \/>\n<strong>Payconiq Luxembourg : un pied dans le pr\u00e9sent, un \u0153il sur l&rsquo;avenir.<\/strong><\/span><\/p>\n<\/div><div class=\"fusion-clearfix\"><\/div>\n\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_5 fusion-builder-column-6 fusion-one-fifth fusion-column-last 1_5\"  style='margin-top:0px;margin-bottom:0px;width:20%;width:calc(20% - ( ( 4% + 4% ) * 0.2 ) );'>\n\t\t\t\t\t<div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\">\n\t\t\t\t\t\t<div class=\"fusion-clearfix\"><\/div>\n\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\"  style='background-color: rgba(255,255,255,0);background-position: center center;background-repeat: no-repeat;padding-right:30px;padding-left:30px;'><div class=\"fusion-builder-row fusion-row \"><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_5 fusion-builder-column-7 fusion-one-fifth fusion-column-first 1_5\"  style='margin-top:0px;margin-bottom:0px;width:20%;width:calc(20% - ( ( 4% + 4% ) * 0.2 ) );margin-right: 4%;'>\n\t\t\t\t\t<div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\">\n\t\t\t\t\t\t<div class=\"fusion-clearfix\"><\/div>\n\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_3_5 fusion-builder-column-8 fusion-three-fifth 3_5\"  style='margin-top:0px;margin-bottom:0px;width:60%;width:calc(60% - ( ( 4% + 4% ) * 0.6 ) );margin-right: 4%;'>\n\t\t\t\t\t<div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\">\n\t\t\t\t\t\t<div class=\"fusion-column-content-centered\"><div class=\"fusion-column-content\"><div class=\"imageframe-align-center\"><span class=\"fusion-imageframe imageframe-none imageframe-1 hover-type-none\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/payconiq.lu\/wp-content\/uploads\/2023\/02\/Post-Louise-french.png\" width=\"2500\" height=\"1307\" alt=\"\" title=\"Post Louise-french\" class=\"img-responsive wp-image-20818\" srcset=\"https:\/\/payconiq.lu\/wp-content\/uploads\/2023\/02\/Post-Louise-french-200x105.png 200w, https:\/\/payconiq.lu\/wp-content\/uploads\/2023\/02\/Post-Louise-french-400x209.png 400w, https:\/\/payconiq.lu\/wp-content\/uploads\/2023\/02\/Post-Louise-french-600x314.png 600w, https:\/\/payconiq.lu\/wp-content\/uploads\/2023\/02\/Post-Louise-french-800x418.png 800w, https:\/\/payconiq.lu\/wp-content\/uploads\/2023\/02\/Post-Louise-french-1200x627.png 1200w, https:\/\/payconiq.lu\/wp-content\/uploads\/2023\/02\/Post-Louise-french.png 2500w\" sizes=\"(max-width: 768px) 100vw, 800px\" \/><\/span><\/div><\/div><\/div><div class=\"fusion-clearfix\"><\/div>\n\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_5 fusion-builder-column-9 fusion-one-fifth fusion-column-last 1_5\"  style='margin-top:0px;margin-bottom:0px;width:20%;width:calc(20% - ( ( 4% + 4% ) * 0.2 ) );'>\n\t\t\t\t\t<div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\">\n\t\t\t\t\t\t<div class=\"fusion-clearfix\"><\/div>\n\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\"  style='background-color: rgba(255,255,255,0);background-position: center center;background-repeat: no-repeat;padding-top:10px;padding-right:30px;padding-bottom:50px;padding-left:30px;'><div class=\"fusion-builder-row fusion-row \"><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_1 fusion-builder-column-10 fusion-one-full fusion-column-first fusion-column-last 1_1\"  style='margin-top:0px;margin-bottom:0px;'>\n\t\t\t\t\t<div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\">\n\t\t\t\t\t\t<div class=\"fusion-sep-clear\"><\/div><div class=\"fusion-separator fusion-full-width-sep sep-none\" style=\"margin-left: auto;margin-right: auto;margin-top:;margin-bottom:15px;\"><\/div><div class=\"fusion-clearfix\"><\/div>\n\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_5 fusion-builder-column-11 fusion-one-fifth fusion-column-first 1_5\"  style='margin-top:0px;margin-bottom:0px;width:20%;width:calc(20% - ( ( 4% + 4% ) * 0.2 ) );margin-right: 4%;'>\n\t\t\t\t\t<div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\">\n\t\t\t\t\t\t<div class=\"fusion-clearfix\"><\/div>\n\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_3_5 fusion-builder-column-12 fusion-three-fifth 3_5\"  style='margin-top:0px;margin-bottom:0px;width:60%;width:calc(60% - ( ( 4% + 4% ) * 0.6 ) );margin-right: 4%;'>\n\t\t\t\t\t<div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\">\n\t\t\t\t\t\t<div class=\"fusion-text\"><p style=\"text-align: center;\">Les paiements num\u00e9riques ont occup\u00e9 le devant de la sc\u00e8ne ces derni\u00e8res ann\u00e9es et cela va continuer en 2023. Selon la Banque mondiale, \u00ab\u00a0deux tiers des adultes dans le monde effectuent ou re\u00e7oivent d\u00e9sormais un paiement num\u00e9rique, la part dans les \u00e9conomies en d\u00e9veloppement passant de 35 % en 2014 \u00e0 57 % en 2021\u00a0\u00bb . Les paiements num\u00e9riques deviennent mondiaux, transfrontaliers et accessibles \u00e0 tous. Les achats in-app et les paiements peer-to-peer (P2P) ont connu la croissance la plus consid\u00e9rable l&rsquo;ann\u00e9e derni\u00e8re.<\/p>\n<p style=\"text-align: center;\">En tant que soci\u00e9t\u00e9 leader dans le domaine du paiement mobile et du traitement des paiements, nous nous engageons, chez Payconiq Luxembourg, \u00e0 proposer des solutions de paiement simples pour chaque situation. <strong>Dans cet article, nous allons explorer quelques sujets cl\u00e9s du paiement en 2023, comment ils impactent Payconiq au Luxembourg et par cons\u00e9quent comment nous vous donnons les services que vous m\u00e9ritez.<\/strong><\/p>\n<\/div><div class=\"fusion-clearfix\"><\/div>\n\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_5 fusion-builder-column-13 fusion-one-fifth fusion-column-last 1_5\"  style='margin-top:0px;margin-bottom:0px;width:20%;width:calc(20% - ( ( 4% + 4% ) * 0.2 ) );'>\n\t\t\t\t\t<div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\">\n\t\t\t\t\t\t<div class=\"fusion-clearfix\"><\/div>\n\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_1 fusion-builder-column-14 fusion-one-full fusion-column-first fusion-column-last 1_1\"  style='margin-top:0px;margin-bottom:0px;'>\n\t\t\t\t\t<div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\">\n\t\t\t\t\t\t<div class=\"fusion-sep-clear\"><\/div><div class=\"fusion-separator fusion-full-width-sep sep-none\" style=\"margin-left: auto;margin-right: auto;margin-top:;margin-bottom:30px;\"><\/div><div class=\"fusion-clearfix\"><\/div>\n\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_5 fusion-builder-column-15 fusion-one-fifth fusion-column-first 1_5\"  style='margin-top:0px;margin-bottom:0px;width:20%;width:calc(20% - ( ( 4% + 4% ) * 0.2 ) );margin-right: 4%;'>\n\t\t\t\t\t<div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\">\n\t\t\t\t\t\t<div class=\"fusion-clearfix\"><\/div>\n\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_3_5 fusion-builder-column-16 fusion-three-fifth single-text-left 3_5\"  style='margin-top:0px;margin-bottom:0px;width:60%;width:calc(60% - ( ( 4% + 4% ) * 0.6 ) );margin-right: 4%;'>\n\t\t\t\t\t<div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\">\n\t\t\t\t\t\t<div class=\"fusion-text\"><p style=\"text-align: center;\"><strong><u>Topic 1: Le e-commerce en hausse, et la n\u00e9cessit\u00e9 d&rsquo;une exp\u00e9rience de paiement omnicanale<\/u><\/strong><br \/>\nSelon une enqu\u00eate d&rsquo;Eurostat et un guide pratique sur le commerce \u00e9lectronique publi\u00e9 par la Chambre de commerce du Luxembourg, 72 % des r\u00e9sidents luxembourgeois font des achats en ligne, ce qui est bien sup\u00e9rieur \u00e0 la moyenne europ\u00e9enne de 60 %. La crise du cr\u00e9dit a certainement eu un impact massif sur les comportements d&rsquo;achat des consommateurs, ce qui a entra\u00een\u00e9 une augmentation des achats en ligne. Par cons\u00e9quent, les entreprises de commerce \u00e9lectronique doivent s&rsquo;adapter et innover pour rester \u00e0 la pointe du progr\u00e8s. Cela signifie qu&rsquo;il faut comprendre en d\u00e9tail les besoins de vos consommateurs, d\u00e9velopper des capacit\u00e9s omnicanales et offrir une exp\u00e9rience de paiement transparente pour garantir la fid\u00e9lisation de vos clients. En effet, l&rsquo;exp\u00e9rience de l&rsquo;utilisateur est primordiale : les consommateurs veulent un paiement facile et les commer\u00e7ants veulent des taux \u00e9lev\u00e9s d&rsquo;ach\u00e8vement des transactions. Bien conscients de cela, nous construisons chez Payconiq Luxembourg une exp\u00e9rience de paiement omnicanale en concevant des solutions de paiement de compte \u00e0 compte et des fonctionnalit\u00e9s flexibles pour des paiements transparents.<\/p>\n<\/div><div class=\"fusion-clearfix\"><\/div>\n\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_5 fusion-builder-column-17 fusion-one-fifth fusion-column-last 1_5\"  style='margin-top:0px;margin-bottom:0px;width:20%;width:calc(20% - ( ( 4% + 4% ) * 0.2 ) );'>\n\t\t\t\t\t<div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\">\n\t\t\t\t\t\t<div class=\"fusion-clearfix\"><\/div>\n\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_1 fusion-builder-column-18 fusion-one-full fusion-column-first fusion-column-last 1_1\"  style='margin-top:0px;margin-bottom:0px;'>\n\t\t\t\t\t<div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\">\n\t\t\t\t\t\t<div class=\"fusion-sep-clear\"><\/div><div class=\"fusion-separator fusion-full-width-sep sep-none\" style=\"margin-left: auto;margin-right: auto;margin-top:;margin-bottom:30px;\"><\/div><div class=\"fusion-clearfix\"><\/div>\n\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_5 fusion-builder-column-19 fusion-one-fifth fusion-column-first 1_5\"  style='margin-top:0px;margin-bottom:0px;width:20%;width:calc(20% - ( ( 4% + 4% ) * 0.2 ) );margin-right: 4%;'>\n\t\t\t\t\t<div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\">\n\t\t\t\t\t\t<div class=\"fusion-clearfix\"><\/div>\n\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_3_5 fusion-builder-column-20 fusion-three-fifth single-text-left 3_5\"  style='margin-top:0px;margin-bottom:0px;width:60%;width:calc(60% - ( ( 4% + 4% ) * 0.6 ) );margin-right: 4%;'>\n\t\t\t\t\t<div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\">\n\t\t\t\t\t\t<div class=\"fusion-text\"><p style=\"text-align: center;\"><strong><u>Sujet 2 : Paiements transfrontaliers instantan\u00e9s<\/u><\/strong><br \/>\nDans un rapport publi\u00e9 par le Fonds mon\u00e9taire international (FMI) en novembre 2022, l&rsquo;agence financi\u00e8re des Nations unies, indique que \u00ab\u00a0les connexions de paiement transfrontalier entre deux pays doivent \u00eatre faites sur mesure, ce qui n\u00e9cessite \u00ab\u00a0du temps et des efforts importants\u00a0\u00bb pour les accomplir, soulignant que les plateformes multilat\u00e9rales de paiement transfrontalier sont une voie prometteuse qui peut potentiellement fournir un \u00ab\u00a0impact transformationnel\u00a0\u00bb dans l&rsquo;industrie des paiements instantan\u00e9s transfrontaliers\u00a0\u00bb. En avance sur son temps, Payconiq a lanc\u00e9 les paiements mobiles transfrontaliers dans la r\u00e9gion du Belux en novembre 2020. Avec Payconiq, les commer\u00e7ants luxembourgeois ont acc\u00e8s aux utilisateurs belges de Payconiq, notamment les travailleurs transfrontaliers, de mani\u00e8re transparente et efficace. Suivant cette tendance, l&rsquo;UE a propos\u00e9 de modifier les r\u00e8glements existants concernant les paiements instantan\u00e9s transfrontaliers en octobre 2022. D&rsquo;autres mesures viendront ensuite en 2023.<\/p>\n<\/div><div class=\"fusion-clearfix\"><\/div>\n\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_5 fusion-builder-column-21 fusion-one-fifth fusion-column-last 1_5\"  style='margin-top:0px;margin-bottom:0px;width:20%;width:calc(20% - ( ( 4% + 4% ) * 0.2 ) );'>\n\t\t\t\t\t<div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\">\n\t\t\t\t\t\t<div class=\"fusion-clearfix\"><\/div>\n\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_1 fusion-builder-column-22 fusion-one-full fusion-column-first fusion-column-last 1_1\"  style='margin-top:0px;margin-bottom:0px;'>\n\t\t\t\t\t<div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\">\n\t\t\t\t\t\t<div class=\"fusion-sep-clear\"><\/div><div class=\"fusion-separator fusion-full-width-sep sep-none\" style=\"margin-left: auto;margin-right: auto;margin-top:;margin-bottom:30px;\"><\/div><div class=\"fusion-clearfix\"><\/div>\n\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_5 fusion-builder-column-23 fusion-one-fifth fusion-column-first 1_5\"  style='margin-top:0px;margin-bottom:0px;width:20%;width:calc(20% - ( ( 4% + 4% ) * 0.2 ) );margin-right: 4%;'>\n\t\t\t\t\t<div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\">\n\t\t\t\t\t\t<div class=\"fusion-clearfix\"><\/div>\n\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_3_5 fusion-builder-column-24 fusion-three-fifth single-text-left 3_5\"  style='margin-top:0px;margin-bottom:0px;width:60%;width:calc(60% - ( ( 4% + 4% ) * 0.6 ) );margin-right: 4%;'>\n\t\t\t\t\t<div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\">\n\t\t\t\t\t\t<div class=\"fusion-text\"><p style=\"text-align: center;\"><strong><u>Sujet 3 : Paiements sans contact : Plus de services bancaires mobiles, plus de cartes virtuelles et plus de portefeuilles<\/u><\/strong><br \/>\nSelon une \u00e9tude r\u00e9cente de la Banque centrale europ\u00e9enne sur les comportements de paiement des consommateurs de la zone euro, les consommateurs ont tous augment\u00e9 leur pr\u00e9f\u00e9rence pour les paiements sans contact depuis le d\u00e9but de la pand\u00e9mie de Covid-19. Les options de paiement mobile, telles que les portefeuilles num\u00e9riques et les applications, figurent \u00e9galement parmi les modes de paiement pr\u00e9f\u00e9r\u00e9s d\u00e9couverts. Les personnes interrog\u00e9es ont cit\u00e9 \u00ab\u00a0la vitesse, la commodit\u00e9 et la facilit\u00e9 d&rsquo;utilisation\u00a0\u00bb comme les principales raisons pour lesquelles elles ont choisi les paiements mobiles. Entre 2019 et 2022, \u00ab\u00a0la part des paiements mobiles a tripl\u00e9, passant de 3 \u00e0 10 %, et est pass\u00e9e de 4 \u00e0 11 % en valeur\u00a0\u00bb. La part des paiements en ligne dans les paiements non r\u00e9currents des consommateurs est pass\u00e9e de 6 % en 2019 \u00e0 17 % en 2022 \u00ab\u00a0. Dans l&rsquo;intention de toujours rendre la vie de nos clients plus accessible, chez Payconiq Luxembourg, nous connectons le monde num\u00e9rique et physique avec un seul parcours de paiement en magasin bas\u00e9 sur des QR codes dynamiques ou statiques. Nous aidons \u00e9galement les utilisateurs \u00e0 se faire payer n&rsquo;importe o\u00f9 gr\u00e2ce \u00e0 de simples demandes de paiement par QR ou par messagerie pour des montants fixes (fix\u00e9s par le b\u00e9n\u00e9ficiaire) ou flexibles (fix\u00e9s par le payeur). Plus besoin de carte de cr\u00e9dit. En tant qu&rsquo;utilisateur, il vous suffit de scanner le code QR de Payconiq, et c&rsquo;est pay\u00e9. Que ce soit dans un magasin, un restaurant, sur une facture ou en ligne, lancez l&rsquo;application Payconiq Luxembourg, scannez le code QR avec l&rsquo;application, et validez le paiement avec votre Face ID, votre empreinte digitale ou votre code PIN.<\/p>\n<\/div><div class=\"fusion-clearfix\"><\/div>\n\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_5 fusion-builder-column-25 fusion-one-fifth fusion-column-last 1_5\"  style='margin-top:0px;margin-bottom:0px;width:20%;width:calc(20% - ( ( 4% + 4% ) * 0.2 ) );'>\n\t\t\t\t\t<div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\">\n\t\t\t\t\t\t<div class=\"fusion-clearfix\"><\/div>\n\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_1 fusion-builder-column-26 fusion-one-full fusion-column-first fusion-column-last 1_1\"  style='margin-top:0px;margin-bottom:0px;'>\n\t\t\t\t\t<div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\">\n\t\t\t\t\t\t<div class=\"fusion-sep-clear\"><\/div><div class=\"fusion-separator fusion-full-width-sep sep-none\" style=\"margin-left: auto;margin-right: auto;margin-top:;margin-bottom:30px;\"><\/div><div class=\"fusion-clearfix\"><\/div>\n\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_5 fusion-builder-column-27 fusion-one-fifth fusion-column-first 1_5\"  style='margin-top:0px;margin-bottom:0px;width:20%;width:calc(20% - ( ( 4% + 4% ) * 0.2 ) );margin-right: 4%;'>\n\t\t\t\t\t<div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\">\n\t\t\t\t\t\t<div class=\"fusion-clearfix\"><\/div>\n\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_3_5 fusion-builder-column-28 fusion-three-fifth single-text-left 3_5\"  style='margin-top:0px;margin-bottom:0px;width:60%;width:calc(60% - ( ( 4% + 4% ) * 0.6 ) );margin-right: 4%;'>\n\t\t\t\t\t<div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\">\n\t\t\t\t\t\t<div class=\"fusion-text\"><p style=\"text-align: center;\"><strong><u>Sujet 4 : Le petit nouveau : SoftPoS et l&rsquo;int\u00e9gration facile du QR code <\/u><\/strong><br \/>\nLe point de vente logiciel, ou SoftPoS, est une nouvelle technologie r\u00e9volutionnaire qui permet aux commer\u00e7ants d&rsquo;accepter les paiements par carte directement sur leurs t\u00e9l\u00e9phones ou appareils sans logiciel suppl\u00e9mentaire. Cela permet aux entreprises d&rsquo;\u00e9viter les co\u00fbts \u00e9lev\u00e9s li\u00e9s \u00e0 l&rsquo;achat de terminaux de point de vente (POS), c&rsquo;est-\u00e0-dire de lecteurs de cartes. Cette tendance est passionnante, et il y a beaucoup \u00e0 attendre de SoftPoS, notamment pour les PME, car il pourrait les aider \u00e0 d\u00e9velopper leurs activit\u00e9s et \u00e0 am\u00e9liorer leur offre. En outre, la mise en \u0153uvre du code QR pour les paiements dans le syst\u00e8me SoftPOS est facile. Par exemple, ServiPay, une plateforme de solutions de paiement bas\u00e9e au Luxembourg, a int\u00e9gr\u00e9 le paiement par QR code de Payconiq sur son terminal PAX A920, ce qui facilite la vie des commer\u00e7ants.<\/p>\n<\/div><div class=\"fusion-clearfix\"><\/div>\n\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_5 fusion-builder-column-29 fusion-one-fifth fusion-column-last 1_5\"  style='margin-top:0px;margin-bottom:0px;width:20%;width:calc(20% - ( ( 4% + 4% ) * 0.2 ) );'>\n\t\t\t\t\t<div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\">\n\t\t\t\t\t\t<div class=\"fusion-clearfix\"><\/div>\n\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_1 fusion-builder-column-30 fusion-one-full fusion-column-first fusion-column-last 1_1\"  style='margin-top:0px;margin-bottom:0px;'>\n\t\t\t\t\t<div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\">\n\t\t\t\t\t\t<div class=\"fusion-sep-clear\"><\/div><div class=\"fusion-separator fusion-full-width-sep sep-none\" style=\"margin-left: auto;margin-right: auto;margin-top:;margin-bottom:30px;\"><\/div><div class=\"fusion-clearfix\"><\/div>\n\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_5 fusion-builder-column-31 fusion-one-fifth fusion-column-first 1_5\"  style='margin-top:0px;margin-bottom:0px;width:20%;width:calc(20% - ( ( 4% + 4% ) * 0.2 ) );margin-right: 4%;'>\n\t\t\t\t\t<div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\">\n\t\t\t\t\t\t<div class=\"fusion-clearfix\"><\/div>\n\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_3_5 fusion-builder-column-32 fusion-three-fifth single-text-left 3_5\"  style='margin-top:0px;margin-bottom:0px;width:60%;width:calc(60% - ( ( 4% + 4% ) * 0.6 ) );margin-right: 4%;'>\n\t\t\t\t\t<div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\">\n\t\t\t\t\t\t<div class=\"fusion-text\"><p style=\"text-align: center;\"><strong><u>Sujet 5 : Digitalisation de la collecte des dons<\/u><\/strong><br \/>\nGr\u00e2ce \u00e0 la solution Payconiq, les dons pour toute association caritative peuvent \u00eatre effectu\u00e9s directement via l&rsquo;application de paiement en scannant un QR Code. Comme l&rsquo;indique Eric Anselin, Directeur de l&rsquo;\u00cele aux Clowns <em>\u00ab\u00a0La digitalisation du processus de don est un r\u00e9el progr\u00e8s pour nos donateurs, car elle leur permet d&rsquo;exprimer leur g\u00e9n\u00e9rosit\u00e9 de mani\u00e8re simple\u00a0\u00bb<\/em>.<\/p>\n<p style=\"text-align: center;\">Chez Payconiq, plus nous optimisons l&rsquo;exp\u00e9rience utilisateur de votre flux de paiement, plus la r\u00e9tention sera importante. Parier sur la digitalisation des dons, c&rsquo;est aussi parier sur une augmentation des dons et une plus grande g\u00e9n\u00e9rosit\u00e9. Gr\u00e2ce \u00e0 l&rsquo;expertise de Payconiq et \u00e0 sa solution multicanal bas\u00e9e sur le code QR, facile \u00e0 utiliser, tout le monde peut faire des dons rapidement et facilement. Payconiq Luxembourg a d\u00e9velopp\u00e9 une relation de confiance avec de nombreuses associations et ASBL au Luxembourg, facilitant la collecte des dons en fournissant une solution mobile simple via un QR code ou un lien. Payconiq Luxembourg propose \u00e9galement aux associations plusieurs points de collecte et plusieurs QR codes sans frais suppl\u00e9mentaires. Pendant les f\u00eates de fin d&rsquo;ann\u00e9e en d\u00e9cembre 2022, Payconiq Luxembourg a revers\u00e9 1\u20ac \u00e0 une association caritative pour chaque paiement effectu\u00e9 avec Payconiq en boutique. La semaine derni\u00e8re, nous \u00e9tions tr\u00e8s heureux chez Payconiq Luxembourg d&rsquo;annoncer que nous avons pu faire un don de 12 168 \u20ac aux associations Ile aux Clowns a.s.b.l. et Fondation Cancer Caritas Luxembourg.<\/p>\n<\/div><div class=\"fusion-clearfix\"><\/div>\n\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_5 fusion-builder-column-33 fusion-one-fifth fusion-column-last 1_5\"  style='margin-top:0px;margin-bottom:0px;width:20%;width:calc(20% - ( ( 4% + 4% ) * 0.2 ) );'>\n\t\t\t\t\t<div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\">\n\t\t\t\t\t\t<div class=\"fusion-clearfix\"><\/div>\n\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_1 fusion-builder-column-34 fusion-one-full fusion-column-first fusion-column-last 1_1\"  style='margin-top:0px;margin-bottom:0px;'>\n\t\t\t\t\t<div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\">\n\t\t\t\t\t\t<div class=\"fusion-sep-clear\"><\/div><div class=\"fusion-separator fusion-full-width-sep sep-none\" style=\"margin-left: auto;margin-right: auto;margin-top:;margin-bottom:30px;\"><\/div><div class=\"fusion-clearfix\"><\/div>\n\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_5 fusion-builder-column-35 fusion-one-fifth fusion-column-first 1_5\"  style='margin-top:0px;margin-bottom:0px;width:20%;width:calc(20% - ( ( 4% + 4% ) * 0.2 ) );margin-right: 4%;'>\n\t\t\t\t\t<div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\">\n\t\t\t\t\t\t<div class=\"fusion-clearfix\"><\/div>\n\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_3_5 fusion-builder-column-36 fusion-three-fifth single-text-left 3_5\"  style='margin-top:0px;margin-bottom:0px;width:60%;width:calc(60% - ( ( 4% + 4% ) * 0.6 ) );margin-right: 4%;'>\n\t\t\t\t\t<div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\">\n\t\t\t\t\t\t<div class=\"fusion-text\"><p style=\"text-align: center;\"><strong><u>La prochaine : L&rsquo;application bancaire mobile : un outil pour conqu\u00e9rir et fid\u00e9liser de nouveaux clients<\/u><\/strong><br \/>\nLe point de vente logiciel, ou SoftPoS, est une nouvelle technologie r\u00e9volutionnaire qui permet aux commer\u00e7ants d&rsquo;accepter les paiements par carte directement sur leurs t\u00e9l\u00e9phones ou appareils, sans logiciel suppl\u00e9mentaire. Cela permet aux entreprises d&rsquo;\u00e9viter les co\u00fbts \u00e9lev\u00e9s li\u00e9s \u00e0 l&rsquo;achat de terminaux de point de vente (POS), c&rsquo;est-\u00e0-dire de lecteurs de cartes. Cette tendance est passionnante, et il y a beaucoup \u00e0 attendre de SoftPoS, notamment pour les PME, car il pourrait les aider \u00e0 d\u00e9velopper leurs activit\u00e9s et \u00e0 am\u00e9liorer leur offre. En outre, la mise en \u0153uvre du code QR pour les paiements dans le syst\u00e8me SoftPOS est facile. Par exemple, ServiPay, une plateforme de solutions de paiement bas\u00e9e au Luxembourg, a int\u00e9gr\u00e9 le paiement par QR code de Payconiq sur son terminal PAX A920, ce qui facilite la vie des commer\u00e7ants.<\/p>\n<\/div><div class=\"fusion-clearfix\"><\/div>\n\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_5 fusion-builder-column-37 fusion-one-fifth fusion-column-last 1_5\"  style='margin-top:0px;margin-bottom:0px;width:20%;width:calc(20% - ( ( 4% + 4% ) * 0.2 ) );'>\n\t\t\t\t\t<div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\">\n\t\t\t\t\t\t<div class=\"fusion-clearfix\"><\/div>\n\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_1 fusion-builder-column-38 fusion-one-full fusion-column-first fusion-column-last 1_1\"  style='margin-top:0px;margin-bottom:0px;'>\n\t\t\t\t\t<div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\">\n\t\t\t\t\t\t<div class=\"fusion-sep-clear\"><\/div><div class=\"fusion-separator fusion-full-width-sep sep-none\" style=\"margin-left: auto;margin-right: auto;margin-top:;margin-bottom:30px;\"><\/div><div class=\"fusion-clearfix\"><\/div>\n\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\"  style='background-color: rgba(255,255,255,0);background-position: center center;background-repeat: no-repeat;padding-top:50px;padding-right:30px;padding-bottom:50px;padding-left:30px;'><div class=\"fusion-builder-row fusion-row \"><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_5 fusion-builder-column-39 fusion-one-fifth fusion-column-first 1_5\"  style='margin-top:0px;margin-bottom:0px;width:20%;width:calc(20% - ( ( 4% + 4% ) * 0.2 ) );margin-right: 4%;'>\n\t\t\t\t\t<div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\">\n\t\t\t\t\t\t<div class=\"fusion-clearfix\"><\/div>\n\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_3_5 fusion-builder-column-40 fusion-three-fifth 3_5\"  style='margin-top:0px;margin-bottom:0px;width:60%;width:calc(60% - ( ( 4% + 4% ) * 0.6 ) );margin-right: 4%;'>\n\t\t\t\t\t<div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\">\n\t\t\t\t\t\t<div class=\"fusion-text\"><p class=\"p1\" style=\"text-align: center;\"><span style=\"color: #ff4785;\"><strong>Pour en savoir plus et rester au courant de l&rsquo;actualit\u00e9 de Payconiq Luxembourg<\/strong><\/span><\/p>\n<p style=\"text-align: center;\">Suivez-nous sur : <a href=\"https:\/\/www.linkedin.com\/company\/payconiqluxembourg\/\">LinkedIn\u00a0<\/a>and <a href=\"https:\/\/twitter.com\/payconiqlux\">Twitter.<\/a><\/p>\n<p style=\"text-align: center;\">Contact Payconiq Louise Cazzoli, Marketing Specialist,\u00a0<a class=\"c-link\" href=\"mailto:louise.cazzoli@payconiq.com\" target=\"_blank\" rel=\"noopener noreferrer\">louise.cazzoli@payconiq.com<\/a>, <u><span lang=\"EN-US\">+352 691 678 475<\/span><\/u>, <a href=\"https:\/\/payconiq.lu\">https:\/\/payconiq.lu<\/a>.<\/p>\n<\/div><div class=\"fusion-clearfix\"><\/div>\n\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_5 fusion-builder-column-41 fusion-one-fifth fusion-column-last 1_5\"  style='margin-top:0px;margin-bottom:0px;width:20%;width:calc(20% - ( ( 4% + 4% ) * 0.2 ) );'>\n\t\t\t\t\t<div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\">\n\t\t\t\t\t\t<div class=\"fusion-clearfix\"><\/div>\n\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\"  style='background-color: rgba(255,255,255,0);background-position: center center;background-repeat: no-repeat;padding-top:70px;padding-right:30px;padding-bottom:85px;padding-left:30px;'><div class=\"fusion-builder-row fusion-row \"><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_1 fusion-builder-column-42 fusion-one-full fusion-column-first fusion-column-last 1_1\"  style='margin-top:0px;margin-bottom:0px;'>\n\t\t\t\t\t<div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\">\n\t\t\t\t\t\t<div class=\"fusion-clearfix\"><\/div>\n\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div><\/div><\/div><\/p>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":6,"featured_media":20818,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[26],"tags":[],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.1 - 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