{"id":23303,"date":"2024-11-14T11:11:34","date_gmt":"2024-11-14T11:11:34","guid":{"rendered":"https:\/\/www.smartdev.com\/?p=23303"},"modified":"2024-11-15T09:59:12","modified_gmt":"2024-11-15T09:59:12","slug":"closed-loop-payment-system-starbucks-lessons-on-customer-loyalty","status":"publish","type":"post","link":"https:\/\/smartdev.com\/fr\/starbucks-closed-loop-payment-system-a-success-story\/","title":{"rendered":"Syst\u00e8me de paiement en boucle ferm\u00e9e : les le\u00e7ons de Starbucks sur la fid\u00e9lisation des clients"},"content":{"rendered":"<div id=\"fws_6870deb0a3449\"  data-column-margin=\"default\" data-midnight=\"dark\"  class=\"wpb_row vc_row-fluid vc_row standard_section\"  style=\"padding-top: 0px; padding-bottom: 0px; \"><div class=\"row-bg-wrap\" data-bg-animation=\"none\" data-bg-overlay=\"false\"><div class=\"inner-wrap\"><div class=\"row-bg\"  style=\"\"><\/div><\/div><div class=\"row-bg-overlay\" ><\/div><\/div><div class=\"row_col_wrap_12 col span_12 dark left\">\n\t<div  class=\"vc_col-sm-12 wpb_column column_container vc_column_container col no-extra-padding inherit_tablet inherit_phone\"  data-t-w-inherits=\"default\" data-bg-cover=\"\" data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-hover-bg=\"\" data-hover-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" ><div class=\"column-bg-overlay-wrap\" data-bg-animation=\"none\"><div class=\"column-bg-overlay\"><\/div><\/div>\n\t\t\t<div class=\"wpb_wrapper\">\n\t\t\t\t\r\n<div class=\"wpb_text_column wpb_content_element\" >\r\n\t<div class=\"wpb_wrapper\">\r\n\t\t<p><span data-contrast=\"auto\">\u00c0 une \u00e9poque o\u00f9 la commodit\u00e9 et la rapidit\u00e9 dictent les pr\u00e9f\u00e9rences des consommateurs, les entreprises recherchent constamment des moyens innovants pour am\u00e9liorer l\u2019exp\u00e9rience d\u2019achat. Imaginez-vous entrer dans votre caf\u00e9 pr\u00e9f\u00e9r\u00e9, commander votre boisson sans effort et payer sans jamais sortir votre portefeuille. C\u2019est le pouvoir des syst\u00e8mes de paiement en boucle ferm\u00e9e, une approche transformatrice qui non seulement simplifie les transactions mais renforce \u00e9galement la fid\u00e9lit\u00e9 durable des clients.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Starbucks est un parfait exemple de l&#039;efficacit\u00e9 d&#039;un syst\u00e8me de paiement en boucle ferm\u00e9e. En s&#039;appuyant sur son application mobile et son programme de r\u00e9compenses, Starbucks a cr\u00e9\u00e9 un \u00e9cosyst\u00e8me homog\u00e8ne qui encourage les visites r\u00e9p\u00e9t\u00e9es et renforce l&#039;engagement des clients. Cette success story constitue une \u00e9tude de cas inspirante pour les entreprises qui cherchent \u00e0 exploiter le potentiel des paiements en boucle ferm\u00e9e sur le march\u00e9 concurrentiel d&#039;aujourd&#039;hui.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n\t<\/div>\r\n<\/div>\r\n\r\n\r\n\r\n\r\n<div class=\"wpb_text_column wpb_content_element\" >\r\n\t<div class=\"wpb_wrapper\">\r\n\t\t<h2><span class=\"ez-toc-section\" id=\"What_is_a_Closed-Loop_Payment_System\"><\/span><b><span data-contrast=\"auto\">Qu\u2019est-ce qu\u2019un syst\u00e8me de paiement en boucle ferm\u00e9e ?<\/span><\/b><span data-ccp-props=\"{}\">\u00a0<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span data-contrast=\"auto\">Un syst\u00e8me de paiement en boucle ferm\u00e9e permet aux clients d&#039;effectuer des transactions exclusivement au sein de l&#039;\u00e9cosyst\u00e8me d&#039;un commer\u00e7ant sp\u00e9cifique. Ce syst\u00e8me est g\u00e9n\u00e9ralement li\u00e9 \u00e0 une application, une carte ou un compte propri\u00e9taire, ce qui garantit que les paiements et les avantages restent au sein du r\u00e9seau de la marque. <\/span><\/p>\n<p><span data-contrast=\"auto\">Par exemple, l&#039;application Starbucks permet aux clients de charger de l&#039;argent, d&#039;effectuer des achats et de gagner des r\u00e9compenses, le tout sans faire appel \u00e0 des processeurs de paiement tiers.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">En revanche, les syst\u00e8mes en circuit ouvert, comme Visa ou Mastercard, permettent aux clients d&#039;effectuer des paiements aupr\u00e8s de plusieurs commer\u00e7ants. Si les syst\u00e8mes en circuit ouvert offrent commodit\u00e9 et universalit\u00e9, ils n&#039;offrent pas le niveau de contr\u00f4le et d&#039;acc\u00e8s aux donn\u00e9es que les syst\u00e8mes en circuit ferm\u00e9 offrent.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<div id=\"attachment_28482\" style=\"width: 887px\" class=\"wp-caption aligncenter\"><a href=\"https:\/\/smartdev.com\/fr\/closed-loop-vs-open-loop-payment-systems-which-one-rules-the-future-of-transactions\/\"><img loading=\"lazy\" decoding=\"async\" aria-describedby=\"caption-attachment-28482\" class=\"wp-image-28482 size-full\" src=\"https:\/\/smartdev.com\/wp-content\/uploads\/2024\/09\/DB3DF134-8C71-48B7-BCD3-F78C7958F4E6.jpeg\" alt=\"\" width=\"877\" height=\"520\" srcset=\"https:\/\/smartdev.com\/wp-content\/uploads\/2024\/09\/DB3DF134-8C71-48B7-BCD3-F78C7958F4E6.jpeg 877w, https:\/\/smartdev.com\/wp-content\/uploads\/2024\/09\/DB3DF134-8C71-48B7-BCD3-F78C7958F4E6-300x178.jpeg 300w, https:\/\/smartdev.com\/wp-content\/uploads\/2024\/09\/DB3DF134-8C71-48B7-BCD3-F78C7958F4E6-768x455.jpeg 768w, https:\/\/smartdev.com\/wp-content\/uploads\/2024\/09\/DB3DF134-8C71-48B7-BCD3-F78C7958F4E6-18x12.jpeg 18w\" sizes=\"auto, (max-width: 877px) 100vw, 877px\" \/><\/a><p id=\"caption-attachment-28482\" class=\"wp-caption-text\">Tableau comparatif : <a href=\"https:\/\/smartdev.com\/fr\/closed-loop-vs-open-loop-payment-systems-which-one-rules-the-future-of-transactions\/\" target=\"_blank\" rel=\"noopener\">Syst\u00e8mes de paiement en boucle ouverte et en boucle ferm\u00e9e<\/a><\/p><\/div>\n<h2><span class=\"ez-toc-section\" id=\"The_Evolution_of_Payment_Systems\"><\/span><b><span data-contrast=\"auto\">L&#039;\u00e9volution des syst\u00e8mes de paiement<\/span><\/b><span data-ccp-props=\"{}\">\u00a0<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span data-contrast=\"auto\">Le <a href=\"https:\/\/smartdev.com\/fr\/the-evolution-of-payment-systems-a-startup-and-accelerator-perspective\/\" target=\"_blank\" rel=\"noopener\">\u00e9volution des syst\u00e8mes de paiement<\/a> L\u2019\u00e8re du paiement en esp\u00e8ces a \u00e9t\u00e9 une v\u00e9ritable r\u00e9volution. Depuis l\u2019\u00e9poque des esp\u00e8ces et des ch\u00e8ques jusqu\u2019\u00e0 l\u2019essor des cartes de cr\u00e9dit et des portefeuilles num\u00e9riques, le paysage s\u2019est transform\u00e9 de mani\u00e8re spectaculaire. Cette \u00e9volution a \u00e9t\u00e9 aliment\u00e9e par les progr\u00e8s technologiques et une demande croissante d\u2019efficacit\u00e9 dans les transactions financi\u00e8res. <\/span><\/p>\n<p><span data-contrast=\"auto\">Les startups et les innovateurs repoussent continuellement les limites de ce qui est possible dans l&#039;\u00e9cosyst\u00e8me des paiements, ouvrant la voie \u00e0 des syst\u00e8mes en boucle ferm\u00e9e qui offrent aux entreprises un contr\u00f4le accru et des exp\u00e9riences client am\u00e9lior\u00e9es.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Par le pass\u00e9, les consommateurs avaient recours \u00e0 l&#039;argent liquide pour r\u00e9gler leurs achats quotidiens. Cependant, avec l&#039;essor des cartes de cr\u00e9dit \u00e0 la fin du XXe si\u00e8cle, la situation a commenc\u00e9 \u00e0 changer radicalement. <\/span><\/p>\n<p><span data-contrast=\"auto\">L\u2019explosion du commerce \u00e9lectronique dans les ann\u00e9es 2000 a encore acc\u00e9l\u00e9r\u00e9 cette transformation, conduisant au d\u00e9veloppement de portefeuilles num\u00e9riques et de solutions de paiement mobile con\u00e7ues pour r\u00e9pondre aux demandes des consommateurs en mati\u00e8re de rapidit\u00e9 et de commodit\u00e9.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n\t<\/div>\r\n<\/div>\r\n\r\n\r\n\r\n\r\n<div class=\"wpb_text_column wpb_content_element\" >\r\n\t<div class=\"wpb_wrapper\">\r\n\t\t<h2><span class=\"ez-toc-section\" id=\"Key_Benefits_of_Closed-Loop_Payment_Systems\"><\/span><span class=\"TextRun SCXW171451489 BCX0\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW171451489 BCX0\">Principaux avantages des syst\u00e8mes de paiement en boucle ferm\u00e9e<\/span><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"1_Enhanced_Customer_Loyalty_and_Engagement\"><\/span><b><span data-contrast=\"auto\">1. Am\u00e9lioration de la fid\u00e9lit\u00e9 et de l&#039;engagement des clients<\/span><\/b><span data-ccp-props=\"{}\">\u00a0<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span data-contrast=\"auto\">L\u2019un des principaux avantages des syst\u00e8mes de paiement en boucle ferm\u00e9e est leur capacit\u00e9 \u00e0 favoriser la fid\u00e9lisation des clients. En int\u00e9grant des programmes de r\u00e9compenses, ces syst\u00e8mes encouragent les achats r\u00e9p\u00e9t\u00e9s et l\u2019engagement \u00e0 long terme. <\/span><\/p>\n<p><span data-contrast=\"auto\">Par exemple, Starbucks Rewards permet aux clients de gagner des points \u00e0 chaque transaction, \u00e9changeables contre des boissons ou des produits alimentaires gratuits. Cela encourage non seulement les visites fr\u00e9quentes, mais cr\u00e9e \u00e9galement un sentiment d&#039;exclusivit\u00e9 et d&#039;appartenance.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_Increased_Data_Insights_and_Strategic_Growth\"><\/span><b><span data-contrast=\"auto\">2. Am\u00e9lioration des connaissances sur les donn\u00e9es et croissance strat\u00e9gique<\/span><\/b><span data-ccp-props=\"{}\">\u00a0<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span data-contrast=\"auto\">Les syst\u00e8mes en boucle ferm\u00e9e g\u00e9n\u00e8rent une multitude de donn\u00e9es, offrant aux entreprises des informations in\u00e9gal\u00e9es sur le comportement des clients. En analysant les donn\u00e9es de transaction, les entreprises peuvent identifier les habitudes de consommation, les pr\u00e9f\u00e9rences et les tendances. Starbucks, par exemple, utilise les donn\u00e9es de son application pour adapter ses promotions et optimiser ses stocks. <\/span><\/p>\n<p><span data-contrast=\"auto\">Ces informations permettent aux entreprises de prendre des d\u00e9cisions \u00e9clair\u00e9es, d\u2019affiner leurs strat\u00e9gies marketing et d\u2019am\u00e9liorer leurs offres de produits.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_Cost_Efficiency\"><\/span><b><span data-contrast=\"auto\">3. Rentabilit\u00e9<\/span><\/b><span data-ccp-props=\"{}\">\u00a0<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span data-contrast=\"auto\">Par rapport aux syst\u00e8mes en boucle ouverte, les solutions de paiement en boucle ferm\u00e9e sont plus rentables. En \u00e9liminant le recours \u00e0 des processeurs de paiement tiers, les entreprises peuvent r\u00e9duire les frais de transaction, ce qui se traduit par des \u00e9conomies importantes. <\/span><\/p>\n<p><span data-contrast=\"auto\">Ces \u00e9conomies peuvent \u00eatre r\u00e9investies dans l\u2019am\u00e9lioration de l\u2019exp\u00e9rience client, par exemple en proposant des remises ou en am\u00e9liorant les fonctionnalit\u00e9s de l\u2019application.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Best_Uses_for_Closed-Loop_Payment_Systems\"><\/span><b><span data-contrast=\"auto\">Meilleures utilisations des syst\u00e8mes de paiement en boucle ferm\u00e9e<\/span><\/b><span data-ccp-props=\"{}\">\u00a0<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"1_Retail\"><\/span><b><span data-contrast=\"auto\">1. Vente au d\u00e9tail<\/span><\/b><span data-ccp-props=\"{}\">\u00a0<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span data-contrast=\"auto\">Les syst\u00e8mes de paiement en boucle ferm\u00e9e sont devenus un outil puissant pour les d\u00e9taillants qui souhaitent cr\u00e9er des exp\u00e9riences exclusives et engageantes pour leurs clients. Les grandes cha\u00eenes de vente au d\u00e9tail mettent en \u0153uvre des cartes de paiement ou des applications propri\u00e9taires qui permettent aux clients d&#039;acc\u00e9der \u00e0 des offres sp\u00e9ciales, des offres de cashback ou des sorties de produits en avant-premi\u00e8re. <\/span><\/p>\n<p><span data-contrast=\"auto\">Par exemple, les d\u00e9taillants peuvent offrir des points de fid\u00e9lit\u00e9 qui s\u2019accumulent \u00e0 chaque achat, encourageant ainsi les visites r\u00e9p\u00e9t\u00e9es et favorisant un lien plus profond entre la marque et ses clients.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Cette approche permet non seulement de fid\u00e9liser la client\u00e8le, mais aussi d\u2019encourager les consommateurs \u00e0 d\u00e9penser davantage en leur offrant des avantages \u00e0 valeur ajout\u00e9e qui trouvent un \u00e9cho aupr\u00e8s d\u2019eux. En analysant les donn\u00e9es de transaction collect\u00e9es par des syst\u00e8mes en boucle ferm\u00e9e, les d\u00e9taillants peuvent obtenir des informations sur les pr\u00e9f\u00e9rences et les habitudes de consommation des clients, ce qui leur permet d\u2019adapter les promotions et les stocks pour mieux r\u00e9pondre aux demandes des consommateurs. <\/span><\/p>\n<p><span data-contrast=\"auto\">De plus, la r\u00e9duction des frais de transaction associ\u00e9s aux syst\u00e8mes en boucle ferm\u00e9e permet aux d\u00e9taillants de r\u00e9investir les \u00e9conomies dans l\u2019am\u00e9lioration de l\u2019exp\u00e9rience client, par exemple en offrant des r\u00e9compenses plus attrayantes ou en am\u00e9liorant l\u2019efficacit\u00e9 du service.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_Transportation\"><\/span><b><span data-contrast=\"auto\">2. Transport<\/span><\/b><span data-ccp-props=\"{}\">\u00a0<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span data-contrast=\"auto\">Le secteur des transports a largement adopt\u00e9 les syst\u00e8mes de paiement en circuit ferm\u00e9 pour leur efficacit\u00e9 et leur commodit\u00e9. Les syst\u00e8mes de transport public du monde entier utilisent des cartes propri\u00e9taires, telles que les cartes de m\u00e9tro ou les cartes de bus, qui permettent aux passagers de voyager en toute fluidit\u00e9 tout en minimisant les co\u00fbts de traitement et de manipulation des esp\u00e8ces. Ces cartes rationalisent le processus d&#039;embarquement, r\u00e9duisent les temps d&#039;attente et am\u00e9liorent la satisfaction globale des clients.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Pour les op\u00e9rateurs, les syst\u00e8mes en boucle ferm\u00e9e fournissent des informations pr\u00e9cieuses en temps r\u00e9el sur les flux de passagers et les tendances des revenus. Ces donn\u00e9es permettent une meilleure allocation et planification des ressources, aidant ainsi les autorit\u00e9s de transport \u00e0 optimiser les itin\u00e9raires et les horaires en fonction des habitudes d&#039;utilisation r\u00e9elles. <\/span><\/p>\n<p><span data-contrast=\"auto\">De plus, la capacit\u00e9 d&#039;analyser le comportement des clients au sein du syst\u00e8me en boucle ferm\u00e9e permet de mener des campagnes marketing cibl\u00e9es qui promeuvent des services ou des remises adapt\u00e9s \u00e0 des groupes d&#039;utilisateurs sp\u00e9cifiques, am\u00e9liorant ainsi l&#039;achalandage et la fid\u00e9lit\u00e9.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_Food_Beverage\"><\/span><b><span data-contrast=\"auto\">3. Alimentation et boissons<\/span><\/b><span data-ccp-props=\"{}\">\u00a0<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div id=\"attachment_28486\" style=\"width: 1546px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" aria-describedby=\"caption-attachment-28486\" class=\"size-full wp-image-28486\" src=\"https:\/\/smartdev.com\/wp-content\/uploads\/2024\/09\/Starbucks-3-1536x1152-1.png\" alt=\"\" width=\"1536\" height=\"1152\" srcset=\"https:\/\/smartdev.com\/wp-content\/uploads\/2024\/09\/Starbucks-3-1536x1152-1.png 1536w, https:\/\/smartdev.com\/wp-content\/uploads\/2024\/09\/Starbucks-3-1536x1152-1-300x225.png 300w, https:\/\/smartdev.com\/wp-content\/uploads\/2024\/09\/Starbucks-3-1536x1152-1-1024x768.png 1024w, https:\/\/smartdev.com\/wp-content\/uploads\/2024\/09\/Starbucks-3-1536x1152-1-768x576.png 768w, https:\/\/smartdev.com\/wp-content\/uploads\/2024\/09\/Starbucks-3-1536x1152-1-16x12.png 16w\" sizes=\"auto, (max-width: 1536px) 100vw, 1536px\" \/><p id=\"caption-attachment-28486\" class=\"wp-caption-text\">Le syst\u00e8me de paiement en boucle ferm\u00e9e de Starbucks fonctionne via un r\u00e9seau sophistiqu\u00e9 d&#039;outils num\u00e9riques con\u00e7us pour offrir une exp\u00e9rience de marque transparente.<\/p><\/div>\n<p><span data-contrast=\"auto\">L&#039;industrie agroalimentaire a connu un succ\u00e8s consid\u00e9rable avec les syst\u00e8mes de paiement en boucle ferm\u00e9e en int\u00e9grant des options de paiement aux programmes de fid\u00e9lit\u00e9. Les restaurants et les caf\u00e9s peuvent cr\u00e9er un parcours client fluide qui allie commodit\u00e9 et incitations. <\/span><\/p>\n<p><span data-contrast=\"auto\">Les clients peuvent payer rapidement \u00e0 l&#039;aide d&#039;applications mobiles ou de cartes de fid\u00e9lit\u00e9 tout en gagnant des r\u00e9compenses pour leurs achats, ce qui encourage les achats r\u00e9p\u00e9t\u00e9s.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Cette int\u00e9gration am\u00e9liore non seulement la satisfaction des clients, mais fournit \u00e9galement aux entreprises des donn\u00e9es essentielles sur les pr\u00e9f\u00e9rences et les habitudes de consommation des consommateurs. En analysant ces donn\u00e9es, les \u00e9tablissements de restauration peuvent affiner leurs menus, optimiser leurs strat\u00e9gies de tarification et d\u00e9velopper des campagnes marketing cibl\u00e9es qui trouvent un \u00e9cho aupr\u00e8s de leur client\u00e8le. <\/span><\/p>\n<p><span data-contrast=\"auto\">De plus, la possibilit\u00e9 d\u2019offrir des promotions personnalis\u00e9es en fonction du comportement d\u2019achat individuel favorise un lien plus profond entre les clients et les marques, favorisant ainsi une fid\u00e9lit\u00e9 \u00e0 long terme.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span class=\"EOP SCXW171451489 BCX0\" data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n\t<\/div>\r\n<\/div>\r\n\r\n\r\n\r\n\r\n<div class=\"wpb_text_column wpb_content_element\" >\r\n\t<div class=\"wpb_wrapper\">\r\n\t\t<h2><span class=\"ez-toc-section\" id=\"Case_Study_Starbucks_Closed-Loop_Payment_System_Success\"><\/span><span class=\"TextRun SCXW105521908 BCX0\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW105521908 BCX0\">\u00c9tude de cas : le succ\u00e8s du syst\u00e8me de paiement en boucle ferm\u00e9e de Starbucks<\/span><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"Background\"><\/span><b><span data-contrast=\"auto\">Arri\u00e8re-plan<\/span><\/b><span data-ccp-props=\"{&quot;335559685&quot;:0}\">\u00a0<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span data-contrast=\"auto\">Starbucks a lanc\u00e9 son syst\u00e8me de paiement en boucle ferm\u00e9e pour compl\u00e9ter son programme de fid\u00e9lit\u00e9 existant, Starbucks Rewards. Le syst\u00e8me permet aux clients de charger des fonds sur leur application Starbucks, ce qui permet des paiements rapides et un suivi des r\u00e9compenses. <\/span><\/p>\n<p><span data-contrast=\"auto\">Cette innovation a transform\u00e9 la fa\u00e7on dont les clients interagissent avec la marque, rendant chaque transaction plus engageante et gratifiante.<\/span><span data-ccp-props=\"{&quot;335559685&quot;:0}\">\u00a0<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Implementation_and_Features\"><\/span><b><span data-contrast=\"auto\">Mise en \u0153uvre et fonctionnalit\u00e9s<\/span><\/b><span data-ccp-props=\"{&quot;335559685&quot;:0}\">\u00a0<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span data-contrast=\"auto\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-28485\" src=\"https:\/\/smartdev.com\/wp-content\/uploads\/2024\/09\/Starbucks-2-1024x768-1.png\" alt=\"\" width=\"1024\" height=\"768\" srcset=\"https:\/\/smartdev.com\/wp-content\/uploads\/2024\/09\/Starbucks-2-1024x768-1.png 1024w, https:\/\/smartdev.com\/wp-content\/uploads\/2024\/09\/Starbucks-2-1024x768-1-300x225.png 300w, https:\/\/smartdev.com\/wp-content\/uploads\/2024\/09\/Starbucks-2-1024x768-1-768x576.png 768w, https:\/\/smartdev.com\/wp-content\/uploads\/2024\/09\/Starbucks-2-1024x768-1-16x12.png 16w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/span><\/p>\n<p><span data-contrast=\"auto\">Starbucks a mis l&#039;accent sur la cr\u00e9ation d&#039;une exp\u00e9rience utilisateur fluide en int\u00e9grant le paiement et les r\u00e9compenses dans son application mobile. Les clients peuvent recharger leurs fonds, effectuer des achats et surveiller le solde de leurs r\u00e9compenses, le tout \u00e0 partir d&#039;une seule et m\u00eame plateforme. <\/span><\/p>\n<p><span data-contrast=\"auto\">L&#039;application propose \u00e9galement des offres personnalis\u00e9es en fonction du comportement des utilisateurs, am\u00e9liorant ainsi la satisfaction et la fid\u00e9lit\u00e9 des clients.<\/span><span data-ccp-props=\"{&quot;335559685&quot;:0}\">\u00a0<\/span><\/p>\n<h4><b><span data-contrast=\"auto\">Avantages r\u00e9alis\u00e9s<\/span><\/b><span data-ccp-props=\"{&quot;335559685&quot;:0}\">\u00a0<\/span><\/h4>\n<p>Le syst\u00e8me de paiement en boucle ferm\u00e9e de Starbucks s&#039;est r\u00e9v\u00e9l\u00e9 tr\u00e8s efficace, avec des r\u00e9sultats mesurables en termes de chiffre d&#039;affaires, de fid\u00e9lisation de la client\u00e8le et d&#039;engagement num\u00e9rique. Voici quelques-uns des succ\u00e8s marquants, \u00e9tay\u00e9s par des donn\u00e9es :<\/p>\n<ul>\n<li aria-level=\"1\"><strong>Croissance significative des revenus provenant des soldes pr\u00e9charg\u00e9s\u00a0:<\/strong><\/li>\n<\/ul>\n<p>Starbucks a g\u00e9n\u00e9r\u00e9 des revenus substantiels gr\u00e2ce aux soldes que les clients conservent sur leurs cartes Starbucks et leurs comptes d&#039;applications mobiles. Selon le rapport financier 2020 de Starbucks, environ\u00a0<b>$1,5 milliard de revenus<\/b>\u00a0provenait de ces cartes \u00e0 valeur stock\u00e9e.<\/p>\n<p>Cette r\u00e9serve de fonds pr\u00e9pay\u00e9s fournit \u00e0 Starbucks un flux de tr\u00e9sorerie sans int\u00e9r\u00eat, un avantage que peu d\u2019autres d\u00e9taillants connaissent \u00e0 cette \u00e9chelle.<\/p>\n<ul>\n<li aria-level=\"1\"><strong>Engagement client \u00e9lev\u00e9 :\u00a0<\/strong><\/li>\n<\/ul>\n<p>L&#039;int\u00e9gration du programme Starbucks Rewards a \u00e9t\u00e9 un succ\u00e8s majeur. En 2022, Starbucks Rewards comptait plus de\u00a0<b>26 millions de membres actifs<\/b>\u00a0aux \u00c9tats-Unis, soit une augmentation de 13% par rapport \u00e0 l\u2019ann\u00e9e pr\u00e9c\u00e9dente.<\/p>\n<p>Les membres de ce programme ont repr\u00e9sent\u00e9 53% du chiffre d&#039;affaires de l&#039;entreprise aux \u00c9tats-Unis, d\u00e9montrant ainsi comment le syst\u00e8me en boucle ferm\u00e9e renforce la fid\u00e9lit\u00e9 des clients et encourage les achats fr\u00e9quents.<\/p>\n<ul>\n<li aria-level=\"1\"><strong>Ventes num\u00e9riques am\u00e9lior\u00e9es\u00a0:\u00a0<\/strong><\/li>\n<\/ul>\n<p>L&#039;application mobile Starbucks, au c\u0153ur du syst\u00e8me en boucle ferm\u00e9e, g\u00e9n\u00e8re un engagement num\u00e9rique important. Selon le rapport annuel 2021 de Starbucks, les ventes num\u00e9riques ont repr\u00e9sent\u00e9\u00a0<b>plus de 25% du total des transactions aux \u00c9tats-Unis<\/b>, principalement via la fonction de commande et de paiement mobile de l&#039;application.<\/p>\n<p>Cette augmentation des ventes num\u00e9riques s&#039;inscrit dans la strat\u00e9gie de Starbucks visant \u00e0 cr\u00e9er une exp\u00e9rience fluide, en particulier pendant les heures de pointe, permettant un service plus rapide et un volume de ventes plus \u00e9lev\u00e9.<\/p>\n<h4><b><span data-contrast=\"auto\">D\u00e9fis et solutions<\/span><\/b><span data-ccp-props=\"{&quot;335559685&quot;:0}\">\u00a0<\/span><\/h4>\n<p><span data-contrast=\"auto\">Lors de la mise en \u0153uvre du syst\u00e8me, Starbucks a d\u00fb faire face \u00e0 des d\u00e9fis tels que l&#039;int\u00e9gration de la technologie dans tous les magasins et la sensibilisation des clients \u00e0 ses avantages. L&#039;entreprise a r\u00e9solu ces probl\u00e8mes en formant le personnel, en mettant \u00e0 jour les applications et en menant des campagnes marketing cibl\u00e9es, garantissant ainsi une transition en douceur et une adoption g\u00e9n\u00e9ralis\u00e9e.<\/span><span data-ccp-props=\"{&quot;335559685&quot;:0}\">\u00a0<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Transforming_Data_into_Strategic_Growth_with_Closed-Loop_Payments\"><\/span><span class=\"TextRun SCXW30611925 BCX0\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW30611925 BCX0\">Transformer les donn\u00e9es en croissance strat\u00e9gique gr\u00e2ce aux paiements en boucle ferm\u00e9e<\/span><\/span><span class=\"EOP SCXW30611925 BCX0\" data-ccp-props=\"{&quot;335559685&quot;:0}\">\u00a0<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<div id=\"attachment_28488\" style=\"width: 1930px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" aria-describedby=\"caption-attachment-28488\" class=\"size-full wp-image-28488\" src=\"https:\/\/smartdev.com\/wp-content\/uploads\/2024\/09\/Arrow-Chart-Visual-Charts-Presentation-in-Blue-White-Teal-Simple-Style-6.png\" alt=\"\" width=\"1920\" height=\"1080\" srcset=\"https:\/\/smartdev.com\/wp-content\/uploads\/2024\/09\/Arrow-Chart-Visual-Charts-Presentation-in-Blue-White-Teal-Simple-Style-6.png 1920w, https:\/\/smartdev.com\/wp-content\/uploads\/2024\/09\/Arrow-Chart-Visual-Charts-Presentation-in-Blue-White-Teal-Simple-Style-6-300x169.png 300w, https:\/\/smartdev.com\/wp-content\/uploads\/2024\/09\/Arrow-Chart-Visual-Charts-Presentation-in-Blue-White-Teal-Simple-Style-6-1024x576.png 1024w, https:\/\/smartdev.com\/wp-content\/uploads\/2024\/09\/Arrow-Chart-Visual-Charts-Presentation-in-Blue-White-Teal-Simple-Style-6-768x432.png 768w, https:\/\/smartdev.com\/wp-content\/uploads\/2024\/09\/Arrow-Chart-Visual-Charts-Presentation-in-Blue-White-Teal-Simple-Style-6-1536x864.png 1536w, https:\/\/smartdev.com\/wp-content\/uploads\/2024\/09\/Arrow-Chart-Visual-Charts-Presentation-in-Blue-White-Teal-Simple-Style-6-18x10.png 18w\" sizes=\"auto, (max-width: 1920px) 100vw, 1920px\" \/><p id=\"caption-attachment-28488\" class=\"wp-caption-text\">Les syst\u00e8mes de paiement en boucle ferm\u00e9e permettent aux entreprises d&#039;\u00e9couter, de r\u00e9soudre et de communiquer efficacement, transformant ainsi les donn\u00e9es clients en opportunit\u00e9s de croissance strat\u00e9giques.<\/p><\/div>\n<p><span data-contrast=\"auto\">Les donn\u00e9es de paiement en boucle ferm\u00e9e fournissent aux entreprises des informations d\u00e9taill\u00e9es sur le comportement des clients, ce qui peut favoriser des initiatives de croissance strat\u00e9gique. En exploitant ces informations pour le d\u00e9veloppement de produits et les efforts de marketing cibl\u00e9s, les entreprises peuvent am\u00e9liorer leurs offres tout en respectant les consid\u00e9rations \u00e9thiques concernant la confidentialit\u00e9 des donn\u00e9es. <\/span><\/p>\n<p><span data-contrast=\"auto\">Par exemple, l\u2019analyse des habitudes de d\u00e9penses au sein de leur syst\u00e8me en boucle ferm\u00e9e permet aux entreprises d\u2019identifier les tendances qui \u00e9clairent les d\u00e9cisions de gestion des stocks ou inspirent de nouvelles offres de produits adapt\u00e9es sp\u00e9cifiquement aux pr\u00e9f\u00e9rences des consommateurs.<\/span><span data-ccp-props=\"{&quot;335559685&quot;:0}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Pour d\u00e9couvrir comment les syst\u00e8mes de paiement en boucle ferm\u00e9e peuvent transformer les donn\u00e9es en informations exploitables, consultez notre article de blog d\u00e9taill\u00e9 sur\u00a0<\/span><a href=\"https:\/\/smartdev.com\/fr\/the-power-of-closed-loop-payment-systems-transforming-data-into-strategic-growth\/#Transforming_Data_into_Actionable_Insights\"><span data-contrast=\"none\">La puissance des syst\u00e8mes de paiement en boucle ferm\u00e9e : transformer les donn\u00e9es en croissance strat\u00e9gique<\/span><\/a><span data-contrast=\"auto\">. <\/span><\/p>\n<p><span data-contrast=\"auto\">Cette ressource approfondit les avantages des syst\u00e8mes en boucle ferm\u00e9e et la mani\u00e8re dont ils peuvent permettre aux entreprises de prendre des d\u00e9cisions bas\u00e9es sur les donn\u00e9es qui am\u00e9liorent l&#039;exp\u00e9rience client et stimulent la croissance.<\/span><span data-ccp-props=\"{&quot;335559685&quot;:0}\">\u00a0<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Industry_Trends_and_Future_of_Closed-Loop_Payment_Systems\"><\/span><b><span data-contrast=\"auto\">Tendances du secteur et avenir des syst\u00e8mes de paiement en boucle ferm\u00e9e<\/span><\/b><span data-ccp-props=\"{&quot;335559685&quot;:0}\">\u00a0<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span data-contrast=\"auto\">Les nouvelles technologies vont red\u00e9finir les capacit\u00e9s des syst\u00e8mes de paiement en boucle ferm\u00e9e. Les cryptomonnaies et la blockchain sont de plus en plus int\u00e9gr\u00e9es \u00e0 ces syst\u00e8mes, offrant une s\u00e9curit\u00e9 et une transparence accrues. Les portefeuilles num\u00e9riques deviennent \u00e9galement plus sophistiqu\u00e9s, combinant plusieurs fonctionnalit\u00e9s dans une seule application.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">L\u2019avenir des syst\u00e8mes en boucle ferm\u00e9e r\u00e9side dans l\u2019int\u00e9gration de l\u2019intelligence artificielle et de l\u2019apprentissage automatique. Ces technologies peuvent permettre la personnalisation en temps r\u00e9el, la d\u00e9tection des fraudes et l\u2019analyse pr\u00e9dictive, am\u00e9liorant ainsi encore l\u2019exp\u00e9rience client. \u00c0 mesure que les entreprises adoptent ces innovations, les syst\u00e8mes en boucle ferm\u00e9e continueront de jouer un r\u00f4le central dans le fa\u00e7onnement du paysage des paiements.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Les avantages des syst\u00e8mes de paiement en boucle ferm\u00e9e sont \u00e9vidents : ils am\u00e9liorent le contr\u00f4le des transactions, am\u00e9liorent l&#039;exp\u00e9rience client et favorisent la fid\u00e9lit\u00e9. Comme le d\u00e9montre le succ\u00e8s de Starbucks, la mise en \u0153uvre d&#039;un tel syst\u00e8me peut apporter des avantages substantiels aux entreprises qui cherchent \u00e0 prosp\u00e9rer dans le commerce moderne.<\/span><span data-ccp-props=\"{&quot;335559685&quot;:0}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Pour ceux qui souhaitent explorer des solutions personnalis\u00e9es adapt\u00e9es aux besoins de leur entreprise, <\/span><a href=\"https:\/\/smartdev.com\/fr\/contact-us\/\"><span data-contrast=\"none\">contacter SmartDev<\/span><\/a><span data-contrast=\"auto\"> pourrait \u00eatre une excellente premi\u00e8re \u00e9tape pour tirer parti des avantages des syst\u00e8mes de paiement en boucle ferm\u00e9e. En se concentrant sur ces aspects cl\u00e9s \u2013 fid\u00e9lit\u00e9 des clients, informations sur les donn\u00e9es, rentabilit\u00e9 \u2013 et en fournissant des exemples concrets comme la success story de Starbucks, ce billet de blog vise non seulement \u00e0 informer mais aussi \u00e0 engager les lecteurs \u00e0 la recherche de solutions innovantes dans l&#039;\u00e9conomie num\u00e9rique d&#039;aujourd&#039;hui.<\/span><span data-ccp-props=\"{&quot;335559685&quot;:0}\">\u00a0<\/span><\/p>\n\t<\/div>\r\n<\/div>\r\n\r\n\r\n\r\n\n\t\t\t<\/div> \n\t\t<\/div>\n\t<\/div> \n<\/div><\/div>\n\t\t<div id=\"fws_6870deb0a48f2\"  data-column-margin=\"default\" data-midnight=\"dark\"  class=\"wpb_row vc_row-fluid vc_row standard_section\"  style=\"padding-top: 0px; padding-bottom: 0px; \"><div class=\"row-bg-wrap\" data-bg-animation=\"none\" data-bg-overlay=\"false\"><div class=\"inner-wrap\"><div class=\"row-bg\"  style=\"\"><\/div><\/div><div class=\"row-bg-overlay\" ><\/div><\/div><div class=\"row_col_wrap_12 col span_12 dark left\">\n\t<div  class=\"vc_col-sm-12 wpb_column column_container vc_column_container col no-extra-padding inherit_tablet inherit_phone\"  data-t-w-inherits=\"default\" data-bg-cover=\"\" data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-hover-bg=\"\" data-hover-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" ><div class=\"column-bg-overlay-wrap\" data-bg-animation=\"none\"><div class=\"column-bg-overlay\"><\/div><\/div>\n\t\t\t<div class=\"wpb_wrapper\">\n\t\t\t\t\r\n<div class=\"wpb_text_column wpb_content_element\" >\r\n\t<div class=\"wpb_wrapper\">\r\n\t\t<h4><strong>R\u00e9f\u00e9rence:<\/strong><\/h4>\n<ol>\n<li>\n<p class=\"display-heading-04\"><a href=\"https:\/\/www.retaildive.com\/ex\/mobilecommercedaily\/how-the-5-biggest-qsrs-are-leveraging-mobile-payments\">Comment les 5 plus grands QSR tirent parti des paiements mobiles \u2013 Retail Dive<\/a><\/p>\n<\/li>\n<li><a href=\"https:\/\/www.finextra.com\/blogposting\/24893\/use-cases-for-closed-loop-wallets\">Cas d&#039;utilisation des portefeuilles en boucle ferm\u00e9e \u2013 Finextra<\/a><\/li>\n<li><a href=\"https:\/\/sdk.finance\/closed-loop-payment-systems-definition-benefits-and-business-cases\/\">Syst\u00e8mes de paiement en boucle ferm\u00e9e : d\u00e9finition, avantages et cas d&#039;utilisation \u2013 SDK.finance<\/a><\/li>\n<li><a href=\"https:\/\/www.billfold.tech\/blog\/closed-loop-vs-open-loop-payment-systems\">Syst\u00e8mes de paiement en boucle ferm\u00e9e et en boucle ouverte \u2013 Billfold<\/a><\/li>\n<li><a href=\"https:\/\/tearsheet.co\/payments\/whats-behind-the-move-to-closed-loop-payments-and-branded-digital-wallets\/\">Qu&#039;est-ce qui se cache derri\u00e8re le passage aux paiements en boucle ferm\u00e9e et aux portefeuilles num\u00e9riques de marque ? \u2013 Tearsheet<\/a><\/li>\n<\/ol>\n\t<\/div>\r\n<\/div>\r\n\r\n\r\n\r\n\n\t\t\t<\/div> \n\t\t<\/div>\n\t<\/div> \n<\/div><\/div>","protected":false},"excerpt":{"rendered":"In an age where convenience and speed dictate consumer preferences, businesses are constantly seeking innovative...","protected":false},"author":13,"featured_media":27861,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[100,50,90,92],"tags":[],"class_list":{"0":"post-23303","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-blogs","8":"category-case-study","9":"category-industries","10":"category-retail-e-commerce"},"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Closed-Loop Payment Systems: Guide &amp; Starbucks Case Study | SmartDev<\/title>\n<meta name=\"description\" content=\"Discover the benefits, use cases, and strategic edge of closed-loop payment systems. See how Starbucks leverages these for customer loyalty and data insights.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/smartdev.com\/fr\/starbucks-closed-loop-payment-system-a-success-story\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Closed-Loop Payment Systems: Guide &amp; Starbucks Case Study | SmartDev\" \/>\n<meta property=\"og:description\" content=\"Discover the benefits, use cases, and strategic edge of closed-loop payment systems. 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