{"id":7911,"date":"2026-07-29T08:34:12","date_gmt":"2026-07-29T06:34:12","guid":{"rendered":"https:\/\/viva.racunalniske-novice.com\/evropski-placilni-sistem-wero-prihaja-v-spletne-trgovine-lidl\/"},"modified":"2026-07-29T08:34:12","modified_gmt":"2026-07-29T06:34:12","slug":"evropski-placilni-sistem-wero-prihaja-v-spletne-trgovine-lidl","status":"publish","type":"post","link":"https:\/\/viva.racunalniske-novice.com\/fr\/le-systeme-de-paiement-europeen-wero-arrive-sur-les-magasins-en-ligne-lidl\/","title":{"rendered":"Le syst\u00e8me de paiement europ\u00e9en Wero arrive sur les magasins en ligne Lidl."},"content":{"rendered":"

Le secteur bancaire europ\u00e9en cherche depuis longtemps des moyens de Comment r\u00e9duire la d\u00e9pendance aux g\u00e9ants am\u00e9ricains de la finance et des cartes de cr\u00e9dit<\/a>Lidl, le discounter, franchit une \u00e9tape importante en devenant le premier grand distributeur alimentaire \u00e0 int\u00e9grer le nouveau syst\u00e8me de paiement num\u00e9rique europ\u00e9en Wero \u00e0 sa boutique en ligne allemande (lidl.de). Lidl pr\u00e9voit d'\u00e9tendre ce service \u00e0 ses boutiques en ligne belges et fran\u00e7aises.<\/p>\n\n\n\n

Comment fonctionne Wero et pourquoi est-ce important pour l'Europe ?<\/strong><\/h3>\n\n\n\n

Wero est une initiative de l'Initiative europ\u00e9enne des paiements (EPI), qui regroupe 18 grandes banques et institutions financi\u00e8res europ\u00e9ennes et compte actuellement plus de 57 millions d'utilisateurs \u00e0 travers l'Europe. Wero permet les paiements directs de compte \u00e0 compte, c'est-\u00e0-dire que l'argent circule directement entre comptes bancaires en quelques secondes, sans passer par les interm\u00e9diaires traditionnels des cartes bancaires.<\/p>\n\n\n\n

Lors d'un achat en ligne, le client n'a pas besoin de saisir son num\u00e9ro de carte bancaire ni son IBAN. Il lui suffit de confirmer la transaction via son application bancaire mobile ou en scannant le code QR affich\u00e9 \u00e0 l'\u00e9cran.<\/p>\n\n\n\n

Toutes les donn\u00e9es financi\u00e8res restent au sein de l'environnement bancaire europ\u00e9en, renfor\u00e7ant ainsi la souverainet\u00e9 des donn\u00e9es en Europe.<\/p>\n\n\n\n

Outre Lidl, le syst\u00e8me Wero a d\u00e9j\u00e0 \u00e9t\u00e9 adopt\u00e9 par des entreprises telles que Decathlon, CTS Eventim et A&O Hostels, et Rossmann, Hornbach, CEWE, Baur et la compagnie a\u00e9rienne Air Europa pr\u00e9voient \u00e9galement de l'introduire prochainement.<\/p>\n\n\n\n

Avons-nous simplement remplac\u00e9 notre d\u00e9pendance \u00e0 Visa et Mastercard par une d\u00e9pendance \u00e0 Google et Apple ?<\/strong><\/h3>\n\n\n\n

Bien que Wero parvienne \u00e0 r\u00e9soudre le probl\u00e8me de la souverainet\u00e9 financi\u00e8re en rempla\u00e7ant les r\u00e9seaux de cartes am\u00e9ricains, un paradoxe \u00e9vident subsiste quant \u00e0 sa mise en \u0153uvre technologique. Le service reste en effet fortement d\u00e9pendant des syst\u00e8mes d'exploitation mobiles am\u00e9ricains Android (Google) et iOS (Apple).<\/p>\n\n\n\n

Le syst\u00e8me Wero fonctionne via des applications de banque mobile ou l'application Wero Wallet, disponibles sur Google Play et l'App Store d'Apple. Wero n'est pas con\u00e7u comme une interface web enti\u00e8rement ouverte ni comme un standard ind\u00e9pendant du mat\u00e9riel. Il s'agit d'un syst\u00e8me et d'une application ferm\u00e9s qui n\u00e9cessitent un smartphone ex\u00e9cutant l'un des deux principaux syst\u00e8mes d'exploitation pour fonctionner.<\/p>\n\n\n\n

Les utilisateurs d'appareils non pris en charge par Google (comme les t\u00e9l\u00e9phones Huawei) et de syst\u00e8mes open source tels que GrapheneOS rencontrent souvent un probl\u00e8me\u00a0: l'application Wero autonome ou les applications bancaires int\u00e9grant Wero utilisent des m\u00e9canismes de s\u00e9curit\u00e9 pour v\u00e9rifier l'int\u00e9grit\u00e9 de l'appareil (API d'int\u00e9grit\u00e9 de Google Play). Sur les appareils d\u00e9pourvus de services Google officiels ou de correctifs appropri\u00e9s, ces applications refusent souvent de fonctionner ou n\u00e9cessitent l'utilisation du sandbox des services Google.<\/p>\n\n\n\n

L'une des rares solutions pour utiliser Wero sur des appareils ouverts (comme GrapheneOS) consiste \u00e0 utiliser une application bancaire compatible avec Wero et ne n\u00e9cessitant pas les services officiels de Google. Cependant, ces applications sont tr\u00e8s rares.<\/p>\n\n\n\n

Wero repr\u00e9sente un grand pas vers l'ind\u00e9pendance mon\u00e9taire et bancaire europ\u00e9enne. Toutefois, tant que les services financiers resteront d\u00e9pendants d'applications n\u00e9cessitant l'infrastructure ferm\u00e9e des g\u00e9ants de la Silicon Valley, de telles solutions ne feront que d\u00e9placer la d\u00e9pendance de l'Europe vis-\u00e0-vis des g\u00e9ants am\u00e9ricains des cartes bancaires au niveau du syst\u00e8me d'exploitation. Pour une souverainet\u00e9 num\u00e9rique compl\u00e8te, l'Europe devrait \u00e9galement promouvoir des standards ouverts qui ne requi\u00e8rent ni l'approbation ni l'infrastructure de Google et d'Apple.<\/p>","protected":false},"excerpt":{"rendered":"

Evropski ban\u010dni sektor \u017ee dlje \u010dasa i\u0161\u010de na\u010dine, kako zmanj\u0161ati odvisnost od ameri\u0161kih finan\u010dnih in karti\u010dnih velikanov, kot so Visa, Mastercard, PayPal in Google Pay. Pomemben mejnik na tej poti je zdaj postavil diskontni trgovec Lidl, ki je v svojo nem\u0161ko spletno trgovino (lidl.de) kot prvi veliki trgovec z \u017eivili integriral nov evropski digitalni pla\u010dilni […]<\/p>","protected":false},"author":2,"featured_media":0,"comment_status":"","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[74,68,72,66,4,52,50,76,8],"tags":[826],"class_list":["post-7911","post","type-post","status-publish","format-standard","hentry","category-aplikacije","category-operacijski-sistemi","category-orodja","category-programi","category-racunalnistvo-telefonija","category-telefoni","category-telefonija","category-varnost","category-zivljenjski-slog","tag-paypal"],"acf":{"subtitle":"","heading":"","summary":"Evropski ban\u010dni sektor \u017ee dlje \u010dasa i\u0161\u010de na\u010dine, kako zmanj\u0161ati odvisnost od ameri\u0161kih finan\u010dnih in karti\u010dnih velikanov, kot so Visa, Mastercard, PayPal in Google Pay. Eden od re\u0161itev za samostojnost je evropski Wero, ki ga je posvojil tudi Lidl.","thumbnail_small":"https:\/\/racunalniske-novice.com\/wp-content\/uploads\/2026\/07\/vladislav-bogutski-A2GUD28IdcM-unsplash-560x315.jpg","thumbnail_large":"https:\/\/racunalniske-novice.com\/wp-content\/uploads\/2026\/07\/vladislav-bogutski-A2GUD28IdcM-unsplash-686x1024.jpg","thumbnail_caption":"","gallery":"","video_gallery":null,"author":"Avtor: Peter \u010cebron","links":null,"sources":null,"skip_language":[]},"yoast_head":"\nEvropski pla\u010dilni sistem Wero prihaja v spletne trgovine Lidl - Ra\u010dunalni\u0161ke novice<\/title>\n<meta name=\"description\" content=\"Evropski ban\u010dni sektor \u017ee dlje \u010dasa i\u0161\u010de na\u010dine, kako zmanj\u0161ati odvisnost od ameri\u0161kih finan\u010dnih in karti\u010dnih velikanov, kot so Visa, Mastercard, PayPal in Google Pay. Eden od re\u0161itev za samostojnost\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/viva.racunalniske-novice.com\/fr\/wp-json\/wp\/v2\/posts\/7911\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Evropski pla\u010dilni sistem Wero prihaja v spletne trgovine Lidl - Ra\u010dunalni\u0161ke novice\" \/>\n<meta property=\"og:description\" content=\"Evropski ban\u010dni sektor \u017ee dlje \u010dasa i\u0161\u010de na\u010dine, kako zmanj\u0161ati odvisnost od ameri\u0161kih finan\u010dnih in karti\u010dnih velikanov, kot so Visa, Mastercard, PayPal in Google Pay. 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