sans limites<\/span><\/h1>\n[\/et_pb_text][et_pb_image src=\u00a0\u00bbhttps:\/\/ub-st.kodaconsulting.dev\/wp-content\/uploads\/2025\/08\/ubimima-u-cristal.webp\u00a0\u00bb alt=\u00a0\u00bbubimia nouvelles\u00a0\u00bb _builder_version=\u00a0\u00bb4.27.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb custom_padding=\u00a0\u00bb32px||32px||true|false\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][\/et_pb_image][et_pb_text disabled_on=\u00a0\u00bboff|off|off\u00a0\u00bb admin_label=\u00a0\u00bbTexto %22estamos presentes%22″ _builder_version=\u00a0\u00bb4.27.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_text_color=\u00a0\u00bb#152A35″ text_font_size=\u00a0\u00bb20px\u00a0\u00bb header_font=\u00a0\u00bb|700|||||||\u00a0\u00bb header_text_color=\u00a0\u00bb#152A35″ header_font_size=\u00a0\u00bb80px\u00a0\u00bb header_letter_spacing=\u00a0\u00bb-2px\u00a0\u00bb header_line_height=\u00a0\u00bb1.05em\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n
Nous sommes pr\u00e9sents \u00e0 chaque \u00e9tape du cycle de vie du cr\u00e9dit, en<\/strong> apportant confiance, \u00e9lan, avenir et connexion.<\/p>\n[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=\u00a0\u00bb1″ admin_label=\u00a0\u00bbSecci\u00f3n nuestra esencia\u00a0\u00bb _builder_version=\u00a0\u00bb4.27.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb background_color=\u00a0\u00bb#152A35″ custom_padding=\u00a0\u00bb0px||||false|false\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_row disabled_on=\u00a0\u00bbon|off|off\u00a0\u00bb _builder_version=\u00a0\u00bb4.27.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb custom_padding=\u00a0\u00bb||8px||false|false\u00a0\u00bb locked=\u00a0\u00bboff\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb4_4″ _builder_version=\u00a0\u00bb4.27.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_text _builder_version=\u00a0\u00bb4.27.5″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_font=\u00a0\u00bb||||||||\u00a0\u00bb text_text_color=\u00a0\u00bb#FFFFFF\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]Nosotros\u00a0<\/i><\/span> ubimia\u00ae<\/strong>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=\u00a0\u00bb4.27.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb width_tablet=\u00a0\u00bb\u00a0\u00bb width_phone=\u00a0\u00bb90%\u00a0\u00bb width_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb custom_padding=\u00a0\u00bb||32px||false|false\u00a0\u00bb locked=\u00a0\u00bboff\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb4_4″ _builder_version=\u00a0\u00bb4.27.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_text disabled_on=\u00a0\u00bbon|off|off\u00a0\u00bb admin_label=\u00a0\u00bbLabel .label .label-light + Slider H2 title {h2 padding-bottom:0}\u00a0\u00bb _builder_version=\u00a0\u00bb4.27.5″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_text_color=\u00a0\u00bb#FFFFFF\u00a0\u00bb header_2_font=\u00a0\u00bb||||||||\u00a0\u00bb header_2_text_color=\u00a0\u00bb#FFFFFF\u00a0\u00bb header_2_font_size=\u00a0\u00bb40px\u00a0\u00bb custom_margin=\u00a0\u00bb||32px||false|false\u00a0\u00bb header_2_font_size_tablet=\u00a0\u00bb40px\u00a0\u00bb header_2_font_size_phone=\u00a0\u00bb24px\u00a0\u00bb header_2_font_size_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb custom_css_free_form=\u00a0\u00bbselector h2 {|| padding-bottom:0;||}\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n\n
ubimia\u00ae<\/span><\/div>\nNuestra esencia<\/strong><\/h2>\n<\/div>\n[\/et_pb_text][et_pb_text disabled_on=\u00a0\u00bboff|on|on\u00a0\u00bb admin_label=\u00a0\u00bbLabel .label .label-light + Slider H2 title {h2 padding-bottom:0}\u00a0\u00bb _builder_version=\u00a0\u00bb4.27.5″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_text_color=\u00a0\u00bb#FFFFFF\u00a0\u00bb header_2_font=\u00a0\u00bb||||||||\u00a0\u00bb header_2_text_color=\u00a0\u00bb#FFFFFF\u00a0\u00bb header_2_font_size=\u00a0\u00bb40px\u00a0\u00bb custom_margin=\u00a0\u00bb||32px||false|false\u00a0\u00bb header_2_font_size_tablet=\u00a0\u00bb40px\u00a0\u00bb header_2_font_size_phone=\u00a0\u00bb24px\u00a0\u00bb header_2_font_size_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb custom_css_free_form=\u00a0\u00bbselector h2 {|| padding-bottom:0;||}\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n
ubimia\u00ae<\/span><\/div>\nNuestra esencia<\/strong><\/h2>\n[\/et_pb_text][et_pb_text admin_label=\u00a0\u00bbTexto nuestra esencia\u00a0\u00bb _builder_version=\u00a0\u00bb4.27.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_text_color=\u00a0\u00bb#FFFFFF\u00a0\u00bb text_font_size=\u00a0\u00bb20px\u00a0\u00bb custom_margin=\u00a0\u00bb|||180px|false|false\u00a0\u00bb custom_margin_tablet=\u00a0\u00bb|||180px|false|false\u00a0\u00bb custom_margin_phone=\u00a0\u00bb|||0px|false|false\u00a0\u00bb custom_margin_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n
Notre essence est l’innovation technologique appliqu\u00e9e<\/strong> \u00e0 la transformation des entreprises et \u00e0 l’am\u00e9lioration de l’exp\u00e9rience des gens.<\/p>\nNous croyons en un progr\u00e8s dont l’axe principal est la connaissance bas\u00e9e sur l’intelligence des donn\u00e9es<\/strong> et la capacit\u00e9 \u00e0 g\u00e9n\u00e9rer de la valeur dans chaque d\u00e9cision.<\/p>\n[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=\u00a0\u00bb4.27.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb width_tablet=\u00a0\u00bb\u00a0\u00bb width_phone=\u00a0\u00bb90%\u00a0\u00bb width_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb custom_padding=\u00a0\u00bb16px||16px||true|false\u00a0\u00bb locked=\u00a0\u00bboff\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb4_4″ _builder_version=\u00a0\u00bb4.27.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb custom_css_free_form=\u00a0\u00bbselector {|| display:flex;|| gap:25px;||}||@media only screen and (max-width: 767px) {|| selector {|| \tflex-flow:column nowrap;|| gap:16px;||\t}||}\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_text admin_label=\u00a0\u00bbSomos texto\u00a0\u00bb _builder_version=\u00a0\u00bb4.27.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb header_2_font=\u00a0\u00bb|700|||||||\u00a0\u00bb header_2_text_color=\u00a0\u00bb#00F7BC\u00a0\u00bb header_2_font_size=\u00a0\u00bb80px\u00a0\u00bb custom_margin=\u00a0\u00bb||||false|false\u00a0\u00bb header_2_font_size_tablet=\u00a0\u00bb80px\u00a0\u00bb header_2_font_size_phone=\u00a0\u00bb40px\u00a0\u00bb header_2_font_size_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n
Nous sommes :<\/h2>\n [\/et_pb_text][et_pb_text admin_label=\u00a0\u00bbCard confianza\u00a0\u00bb _builder_version=\u00a0\u00bb4.27.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_text_color=\u00a0\u00bb#FFFFFF\u00a0\u00bb header_3_font=\u00a0\u00bb|700|||||||\u00a0\u00bb header_3_text_color=\u00a0\u00bb#FFFFFF\u00a0\u00bb header_3_font_size=\u00a0\u00bb20px\u00a0\u00bb header_4_font=\u00a0\u00bb|700|||||||\u00a0\u00bb header_4_font_size=\u00a0\u00bb20px\u00a0\u00bb background_color=\u00a0\u00bbrgba(221,221,221,0.35)\u00a0\u00bb overflow-y=\u00a0\u00bbvisible\u00a0\u00bb custom_margin=\u00a0\u00bb|0px|50px|auto|false|false\u00a0\u00bb custom_padding=\u00a0\u00bb16px|16px|16px|16px|true|true\u00a0\u00bb custom_css_free_form=\u00a0\u00bbselector {|| overflow:visible!important;|| flex:0 1 400px;||}||@media only screen and (max-width: 767px) {|| selector {|| flex:1 1 auto;|| }||}\u00a0\u00bb border_radii=\u00a0\u00bbon|12px|12px|12px|12px\u00a0\u00bb box_shadow_style=\u00a0\u00bbpreset1″ box_shadow_vertical=\u00a0\u00bb4px\u00a0\u00bb box_shadow_blur=\u00a0\u00bb10px\u00a0\u00bb box_shadow_color=\u00a0\u00bbrgba(0,0,0,0.15)\u00a0\u00bb locked=\u00a0\u00bboff\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n
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Confiance<\/h3>\n Parce que nous transformons les donn\u00e9es en informations,
[\/et_pb_text][et_pb_text admin_label=\u00a0\u00bbCard conexi\u00f3n\u00a0\u00bb _builder_version=\u00a0\u00bb4.27.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_text_color=\u00a0\u00bb#FFFFFF\u00a0\u00bb header_3_font=\u00a0\u00bb|700|||||||\u00a0\u00bb header_3_text_color=\u00a0\u00bb#FFFFFF\u00a0\u00bb header_3_font_size=\u00a0\u00bb20px\u00a0\u00bb header_4_font=\u00a0\u00bb|700|||||||\u00a0\u00bb header_4_font_size=\u00a0\u00bb20px\u00a0\u00bb background_color=\u00a0\u00bbrgba(221,221,221,0.35)\u00a0\u00bb overflow-y=\u00a0\u00bbvisible\u00a0\u00bb custom_margin=\u00a0\u00bb||50px||false|false\u00a0\u00bb custom_padding=\u00a0\u00bb16px|16px|16px|16px|true|true\u00a0\u00bb custom_css_free_form=\u00a0\u00bbselector {|| overflow:visible!important;|| flex:0 0 400px;||}@media only screen and (max-width: 767px) {|| selector {|| flex:1 1 auto;|| }||}\u00a0\u00bb border_radii=\u00a0\u00bbon|12px|12px|12px|12px\u00a0\u00bb box_shadow_style=\u00a0\u00bbpreset1″ box_shadow_vertical=\u00a0\u00bb4px\u00a0\u00bb box_shadow_blur=\u00a0\u00bb10px\u00a0\u00bb box_shadow_color=\u00a0\u00bbrgba(0,0,0,0.15)\u00a0\u00bb locked=\u00a0\u00bboff\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n
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Impulsion<\/h3>\n Parce que nous aidons les entreprises \u00e0 se d\u00e9velopper.<\/p>\n<\/div>\n
[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=\u00a0\u00bb4.27.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb width_tablet=\u00a0\u00bb\u00a0\u00bb width_phone=\u00a0\u00bb90%\u00a0\u00bb width_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb custom_padding=\u00a0\u00bb16px||16px||true|false\u00a0\u00bb locked=\u00a0\u00bboff\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb4_4″ module_class=\u00a0\u00bbflex-rows-center flex-columns-center-mobile\u00a0\u00bb _builder_version=\u00a0\u00bb4.27.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_text admin_label=\u00a0\u00bbCard futuro\u00a0\u00bb _builder_version=\u00a0\u00bb4.27.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_text_color=\u00a0\u00bb#FFFFFF\u00a0\u00bb header_3_font=\u00a0\u00bb|700|||||||\u00a0\u00bb header_3_text_color=\u00a0\u00bb#FFFFFF\u00a0\u00bb header_3_font_size=\u00a0\u00bb20px\u00a0\u00bb header_4_font=\u00a0\u00bb|700|||||||\u00a0\u00bb header_4_font_size=\u00a0\u00bb20px\u00a0\u00bb background_color=\u00a0\u00bbrgba(221,221,221,0.35)\u00a0\u00bb overflow-y=\u00a0\u00bbvisible\u00a0\u00bb custom_margin=\u00a0\u00bb||50px||false|false\u00a0\u00bb custom_padding=\u00a0\u00bb16px|16px|16px|16px|true|true\u00a0\u00bb custom_css_free_form=\u00a0\u00bbselector {|| overflow:visible!important;|| flex:0 0 32%;||}||@media only screen and (max-width: 767px) {|| selector {|| flex:1 1 auto;|| }||}\u00a0\u00bb border_radii=\u00a0\u00bbon|12px|12px|12px|12px\u00a0\u00bb box_shadow_style=\u00a0\u00bbpreset1″ box_shadow_vertical=\u00a0\u00bb4px\u00a0\u00bb box_shadow_blur=\u00a0\u00bb10px\u00a0\u00bb box_shadow_color=\u00a0\u00bbrgba(0,0,0,0.15)\u00a0\u00bb locked=\u00a0\u00bboff\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n
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L’avenir<\/h3>\n Parce que nous concevons des technologies qui transforment.<\/p>\n<\/div>\n
[\/et_pb_text][et_pb_text admin_label=\u00a0\u00bbCard conexi\u00f3n\u00a0\u00bb _builder_version=\u00a0\u00bb4.27.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_text_color=\u00a0\u00bb#FFFFFF\u00a0\u00bb header_3_font=\u00a0\u00bb|700|||||||\u00a0\u00bb header_3_text_color=\u00a0\u00bb#FFFFFF\u00a0\u00bb header_3_font_size=\u00a0\u00bb20px\u00a0\u00bb header_4_font=\u00a0\u00bb|700|||||||\u00a0\u00bb header_4_font_size=\u00a0\u00bb20px\u00a0\u00bb background_color=\u00a0\u00bbrgba(221,221,221,0.35)\u00a0\u00bb overflow-y=\u00a0\u00bbvisible\u00a0\u00bb custom_margin=\u00a0\u00bb||50px|25px|false|false\u00a0\u00bb custom_margin_tablet=\u00a0\u00bb||50px|25px|false|false\u00a0\u00bb custom_margin_phone=\u00a0\u00bb|||0px|false|false\u00a0\u00bb custom_margin_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb custom_padding=\u00a0\u00bb16px|16px|16px|16px|true|true\u00a0\u00bb custom_css_free_form=\u00a0\u00bbselector {|| overflow:visible!important;|| flex:0 0 32%;||}||@media only screen and (max-width: 767px) {|| selector {|| flex:1 1 auto;|| }||}\u00a0\u00bb border_radii=\u00a0\u00bbon|12px|12px|12px|12px\u00a0\u00bb box_shadow_style=\u00a0\u00bbpreset1″ box_shadow_vertical=\u00a0\u00bb4px\u00a0\u00bb box_shadow_blur=\u00a0\u00bb10px\u00a0\u00bb box_shadow_color=\u00a0\u00bbrgba(0,0,0,0.15)\u00a0\u00bb locked=\u00a0\u00bboff\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n
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Connexion<\/h3>\n Parce que nous faisons en sorte que chaque processus compte.<\/p>\n<\/div>\n
[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=\u00a0\u00bb1″ admin_label=\u00a0\u00bbNuestra brujula\u00a0\u00bb _builder_version=\u00a0\u00bb4.27.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_row disabled_on=\u00a0\u00bbon|off|off\u00a0\u00bb admin_label=\u00a0\u00bbNotre boussole DESKTOP\u00a0\u00bb _builder_version=\u00a0\u00bb4.27.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb width_tablet=\u00a0\u00bb\u00a0\u00bb width_phone=\u00a0\u00bb90%\u00a0\u00bb width_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb locked=\u00a0\u00bboff\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb4_4″ _builder_version=\u00a0\u00bb4.27.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_text admin_label=\u00a0\u00bbNuestra br\u00fajula title\u00a0\u00bb _builder_version=\u00a0\u00bb4.27.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_font_size=\u00a0\u00bb20px\u00a0\u00bb text_line_height=\u00a0\u00bb1em\u00a0\u00bb header_2_font=\u00a0\u00bb|700|||||||\u00a0\u00bb header_2_text_color=\u00a0\u00bb#00F7BC\u00a0\u00bb header_2_font_size=\u00a0\u00bb80px\u00a0\u00bb width=\u00a0\u00bb49%\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n
Notre boussole :<\/h2>\n [\/et_pb_text][et_pb_code admin_label=\u00a0\u00bbNotre boussole SVG Code\u00a0\u00bb _builder_version=\u00a0\u00bb4.27.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n
Objectif, mission et vision<\/title><!-- [et_pb_line_break_holder] --> <desc id=\"brujulaDesc\">Boussole centr\u00e9e avec trois blocs de texte reli\u00e9s par des lignes horizontales.<\/desc><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <\/p>\n<style><!-- [et_pb_line_break_holder] --> .ubim-brujula { width: 100%; height: auto; }<!-- [et_pb_line_break_holder] --> :root, .ubim-brujula {<!-- [et_pb_line_break_holder] --> --green:#18C7A0;<!-- [et_pb_line_break_holder] --> --text:#1A1A1A;<!-- [et_pb_line_break_holder] --> --muted:#555;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .ubim-text { font-family: inherit; fill: var(--text); }<!-- [et_pb_line_break_holder] --> .ubim-title { font-size:20px; font-weight:800; letter-spacing:.2px; }<!-- [et_pb_line_break_holder] --> .ubim-body { font-size:16px; line-height:1.5; fill:var(--muted); }<!-- [et_pb_line_break_holder] --> .line { stroke: var(--green); stroke-width:2; stroke-linecap:round; }<!-- [et_pb_line_break_holder] --> \/* C\u00edrculo con borde blanco para m\u00e1xima visibilidad sobre cualquier fondo *\/<!-- [et_pb_line_break_holder] --> .dot { fill: var(--green); stroke:#fff; stroke-width:2; }<!-- [et_pb_line_break_holder] --> .fo * { margin:0; padding:0; box-sizing:border-box; }<!-- [et_pb_line_break_holder] --> <\/style>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <!-- BR\u00daJULA (centrada: (1440-505)\/2 = 467.5) --><!-- [et_pb_line_break_holder] --> <image href=\"https:\/\/ub-st.kodaconsulting.dev\/wp-content\/uploads\/2025\/10\/brujula-historia.webp\" x=\"467.5\" y=\"15\" width=\"505\" height=\"505\" preserveaspectratio=\"xMidYMid meet\"><\/image><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <!-- PROP\u00d3SITO (izquierda) --><!-- [et_pb_line_break_holder] --> <text class=\"ubim-text ubim-title\" x=\"0\" y=\"120\">Objectif<\/text><!-- [et_pb_line_break_holder] --> <!-- l\u00ednea unos px por encima del t\u00edtulo para no tocarlo --><!-- [et_pb_line_break_holder] --> <line class=\"line\" x1=\"120\" y1=\"112\" x2=\"530\" y2=\"112\"><\/line><!-- [et_pb_line_break_holder] --> <circle class=\"dot\" cx=\"530\" cy=\"112\" r=\"6\"><\/circle><!-- [et_pb_line_break_holder] --> <foreignobject x=\"0\" y=\"148\" width=\"440\" height=\"200\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div xmlns=\"http:\/\/www.w3.org\/1999\/xhtml\" class=\"fo\"><!-- [et_pb_line_break_holder] --> <pee class=\"ubim-body\"><!-- [et_pb_line_break_holder] --> Promouvoir le d\u00e9veloppement de la soci\u00e9t\u00e9 du bien-\u00eatre en am\u00e9liorant les processus de cr\u00e9dit<!-- [et_pb_line_break_holder] -->, en les rendant plus inclusifs et en augmentant la confiance du march\u00e9.<!-- [et_pb_line_break_holder] --> <\/pee><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/foreignobject><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <!-- MISI\u00d3N (derecha, arriba) --><!-- [et_pb_line_break_holder] --> <text class=\"ubim-text ubim-title\" x=\"1000\" y=\"120\">La mission<\/text><!-- [et_pb_line_break_holder] --> <!-- desde el borde izquierdo del t\u00edtulo hacia la br\u00fajula --><!-- [et_pb_line_break_holder] --> <line class=\"line\" x1=\"990\" y1=\"112\" x2=\"820\" y2=\"112\"><\/line><!-- [et_pb_line_break_holder] --> <circle class=\"dot\" cx=\"820\" cy=\"112\" r=\"6\"><\/circle><!-- [et_pb_line_break_holder] --> <foreignobject x=\"1000\" y=\"148\" width=\"420\" height=\"200\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div xmlns=\"http:\/\/www.w3.org\/1999\/xhtml\" class=\"fo\"><!-- [et_pb_line_break_holder] --> <pee class=\"ubim-body\"><!-- [et_pb_line_break_holder] --> Nous optimisons le cycle de vie du cr\u00e9dit dans ses diff\u00e9rentes phases et processus gr\u00e2ce \u00e0<!-- [et_pb_line_break_holder] --> data intelligence et \u00e0 nos solutions technologiques propri\u00e9taires.<!-- [et_pb_line_break_holder] --> <\/pee><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/foreignobject><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <!-- VISI\u00d3N (derecha, abajo) --><!-- [et_pb_line_break_holder] --> <text class=\"ubim-text ubim-title\" x=\"1030\" y=\"350\">La vision<\/text><!-- [et_pb_line_break_holder] --> <line class=\"line\" x1=\"1020\" y1=\"342\" x2=\"972.5\" y2=\"342\"><\/line><!-- [et_pb_line_break_holder] --> <circle class=\"dot\" cx=\"972.5\" cy=\"342\" r=\"6\"><\/circle><!-- [et_pb_line_break_holder] --> <foreignobject x=\"1030\" y=\"378\" width=\"420\" height=\"120\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div xmlns=\"http:\/\/www.w3.org\/1999\/xhtml\" class=\"fo\"><!-- [et_pb_line_break_holder] --> <pee class=\"ubim-body\"><!-- [et_pb_line_break_holder] --> Une nouvelle fa\u00e7on de g\u00e9rer le cr\u00e9dit en Europe et en Am\u00e9rique latine.<!-- [et_pb_line_break_holder] --> <\/pee><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/foreignobject><!-- [et_pb_line_break_holder] --> <\/svg><!-- [et_pb_line_break_holder] --><\/div>\n<p><!-- [et_pb_line_break_holder] -->[\/et_pb_code][\/et_pb_column][\/et_pb_row][et_pb_row disabled_on=\u00a0\u00bboff|on|on\u00a0\u00bb admin_label=\u00a0\u00bbNotre boussole MOBILE\u00a0\u00bb _builder_version=\u00a0\u00bb4.27.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb width_tablet=\u00a0\u00bb\u00a0\u00bb width_phone=\u00a0\u00bb90%\u00a0\u00bb width_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb locked=\u00a0\u00bboff\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb4_4″ _builder_version=\u00a0\u00bb4.27.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_text admin_label=\u00a0\u00bbNuestra br\u00fajula title\u00a0\u00bb _builder_version=\u00a0\u00bb4.27.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_font_size=\u00a0\u00bb20px\u00a0\u00bb text_line_height=\u00a0\u00bb1em\u00a0\u00bb header_2_font=\u00a0\u00bb|700|||||||\u00a0\u00bb header_2_text_color=\u00a0\u00bb#00F7BC\u00a0\u00bb header_2_font_size=\u00a0\u00bb40px\u00a0\u00bb width=\u00a0\u00bb49%\u00a0\u00bb custom_margin=\u00a0\u00bb||32px||false|false\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<h2>Notre boussole :<\/h2>\n<p>[\/et_pb_text][et_pb_image src=\u00a0\u00bbhttps:\/\/ub-st.kodaconsulting.dev\/wp-content\/uploads\/2025\/10\/brujula-historia.webp\u00a0\u00bb alt=\u00a0\u00bbmission, vision et valeurs d'ubimia compass\u00a0\u00bb admin_label=\u00a0\u00bbImagen br\u00fajula\u00a0\u00bb _builder_version=\u00a0\u00bb4.27.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][\/et_pb_image][et_pb_text admin_label=\u00a0\u00bbProp\u00f3sito, misi\u00f3n, visi\u00f3n\u00a0\u00bb _builder_version=\u00a0\u00bb4.27.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb header_3_font=\u00a0\u00bb|700|||||||\u00a0\u00bb header_3_font_size=\u00a0\u00bb20px\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<h3>Objectif<\/h3>\n<p class=\"mb-l\">Promouvoir le d\u00e9veloppement de la soci\u00e9t\u00e9 du bien-\u00eatre en am\u00e9liorant les processus de cr\u00e9dit, en les rendant plus inclusifs et en augmentant la confiance du march\u00e9.<\/p>\n<h3>La mission<\/h3>\n<p class=\"mb-l\">Nous optimisons le cycle de vie du cr\u00e9dit dans ses diff\u00e9rentes phases et processus gr\u00e2ce \u00e0 l’intelligence des donn\u00e9es et \u00e0 nos solutions technologiques exclusives.<\/p>\n<h3>La vision<\/h3>\n<p class=\"mb-l\">Une nouvelle fa\u00e7on de g\u00e9rer le cr\u00e9dit en Europe et en Am\u00e9rique latine.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=\u00a0\u00bb1″ _builder_version=\u00a0\u00bb4.27.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb custom_padding=\u00a0\u00bb||16px||false|false\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_row _builder_version=\u00a0\u00bb4.27.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb width_tablet=\u00a0\u00bb\u00a0\u00bb width_phone=\u00a0\u00bb90%\u00a0\u00bb width_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb locked=\u00a0\u00bboff\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb4_4″ _builder_version=\u00a0\u00bb4.27.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_text admin_label=\u00a0\u00bbLabel .label .label-light + Slider H2 title {h2 padding-bottom:0}\u00a0\u00bb _builder_version=\u00a0\u00bb4.27.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb header_2_font=\u00a0\u00bb||||||||\u00a0\u00bb header_2_font_size=\u00a0\u00bb40px\u00a0\u00bb header_2_font_size_tablet=\u00a0\u00bb40px\u00a0\u00bb header_2_font_size_phone=\u00a0\u00bb24px\u00a0\u00bb header_2_font_size_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb custom_css_free_form=\u00a0\u00bbselector h2 {|| padding-bottom:0;||}\u00a0\u00bb locked=\u00a0\u00bboff\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<div class=\"flex-rows-fs-center-desktop\">\n<div class=\"icon-label\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/ub-st.kodaconsulting.dev\/wp-content\/uploads\/2025\/08\/green-circle-arrow.svg\" width=\"36\" height=\"36\" alt=\"cercle lumineux-fl\u00e8che vers le bas\" class=\"wp-image-138 alignnone size-medium arrow-label\"><span class=\"label label-green mr-l\">Trajectoire<\/span><\/div>\n<h2>D\u00e9couvrez notre <strong>histoire<\/strong><\/h2>\n<\/div>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=\u00a0\u00bb1″ admin_label=\u00a0\u00bbSecci\u00f3n #ubimia-timeline\u00a0\u00bb module_id=\u00a0\u00bbubimia-timeline\u00a0\u00bb _builder_version=\u00a0\u00bb4.27.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb custom_padding=\u00a0\u00bb8px||||false|false\u00a0\u00bb custom_css_free_form=\u00a0\u00bbselector {|| height:800px;|| overflow:hidden;|| position:relative;|| isolation: isolate;||}||@media only screen and (max-width: 767px) {|| selector {|| height:1000px;|| }||}||selector:after {|| content:\u00a0\u00bb;|| display:block;|| position:absolute;|| bottom:0;|| left:0;|| width:100%;|| height:100px;||\tbackground: linear-gradient(0deg,rgba(255, 255, 255, 1) 20%, rgba(255, 255, 255, 0) 100%);|| z-index:10;|| pointer-events: none;||}\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_row module_class=\u00a0\u00bbtimeline__row\u00a0\u00bb _builder_version=\u00a0\u00bb4.27.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb width_tablet=\u00a0\u00bb\u00a0\u00bb width_phone=\u00a0\u00bb90%\u00a0\u00bb width_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb4_4″ _builder_version=\u00a0\u00bb4.27.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_text admin_label=\u00a0\u00bbUbimia timeline – inicio\u00a0\u00bb _builder_version=\u00a0\u00bb4.27.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<div class=\"timeline__block empty\">\n<div class=\"timeline__block-year\"><\/div>\n<div class=\"timeline__block-line\"><\/div>\n<div class=\"timeline__block-content\">\n<\/div>\n<\/div>\n<p>[\/et_pb_text][et_pb_text admin_label=\u00a0\u00bbUbimia timeline – 2025″ _builder_version=\u00a0\u00bb4.27.5″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<div class=\"timeline__block\">\n<div class=\"timeline__block-year\">2025<\/div>\n<div class=\"timeline__block-line\"><\/div>\n<div class=\"timeline__block-content\">\n<article class=\"timeline__block-content-first\">\n<h3>PFSTECH se transforma en ubimia\u00ae<\/h3>\n<p>Nace ubimia\u00ae con el prop\u00f3sito de promover el desarrollo de la sociedad del bienestar mediante la mejora de los procesos de cr\u00e9dito.<\/p>\n<\/article>\n<article>\n<h3>finstreet<\/h3>\n<p>La\u00a0incorporaci\u00f3n de finstreet\u00a0marca un hito clave en la consolidaci\u00f3n de PFSTECH en Europa.<\/p>\n<\/article>\n<article>\n<h3>ZIQY<\/h3>\n<p>La\u00a0incorporaci\u00f3n de ZIQY\u00a0ampl\u00eda fronteras y abre su foco al sector de la econom\u00eda circular.<\/p>\n<\/article>\n<\/div>\n<\/div>\n<p>[\/et_pb_text][et_pb_text admin_label=\u00a0\u00bbUbimia timeline – 2024″ _builder_version=\u00a0\u00bb4.27.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<div class=\"timeline__block\">\n<div class=\"timeline__block-year\">2024<\/div>\n<div class=\"timeline__block-line\"><\/div>\n<div class=\"timeline__block-content\">\n<article>\n<h3>EMC LEGAL SOFTWARE<\/h3>\n<p>L’arriv\u00e9e d’EMC \u00e9largit l’offre technologique de PFSTECH dans le secteur juridique.<\/p>\n<\/article>\n<article>\n<h3>BURO365<\/h3>\n<p>PFSTECH renforce sa pr\u00e9sence au P\u00e9rou avec l’int\u00e9gration de BURO365<\/p>\n<\/article>\n<article>\n<h3>GROUPE INNOVA<\/h3>\n<p>PFSTECH se concentre davantage sur le march\u00e9 des PME gr\u00e2ce \u00e0 l’int\u00e9gration d’INNOVA<\/p>\n<\/article>\n<article>\n<h3>GROUPE AIS<\/h3>\n<p>PFSTECH int\u00e8gre le groupe AIS, pionnier de l’intelligence artificielle<\/p>\n<\/article>\n<\/div>\n<\/div>\n<p>[\/et_pb_text][et_pb_text admin_label=\u00a0\u00bbUbimia timeline – 2023″ _builder_version=\u00a0\u00bb4.27.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<div class=\"timeline__block\">\n<div class=\"timeline__block-year\">2023<\/div>\n<div class=\"timeline__block-line\"><\/div>\n<div class=\"timeline__block-content\">\n<article>\n<h3>pfs est divis\u00e9 en 2 soci\u00e9t\u00e9s<\/h3>\n<p>Le groupe d\u00e9cide de scinder ses activit\u00e9s en deux soci\u00e9t\u00e9s ind\u00e9pendantes : pfsLEGAL et pfsTECH&DATA.<\/p>\n<\/article>\n<\/div>\n<\/div>\n<p>[\/et_pb_text][et_pb_text admin_label=\u00a0\u00bbUbimia timeline – 2022″ _builder_version=\u00a0\u00bb4.27.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<div class=\"timeline__block\">\n<div class=\"timeline__block-year\">2022<\/div>\n<div class=\"timeline__block-line\"><\/div>\n<div class=\"timeline__block-content\">\n<article>\n<h3>Kineox<\/h3>\n<p>La technologie K\u00edneox est int\u00e9gr\u00e9e \u00e0 pfs, ce qui nous permet d’unir nos forces pour dominer le march\u00e9 de la collecte et de la r\u00e9cup\u00e9ration num\u00e9riques.<\/p>\n<\/article>\n<article>\n<h3>AnaCap soutient les pfs<\/h3>\n<p>Le fonds d’investissement anglais AnaCap Financial Partners entre dans l’actionnariat de l’entreprise espagnole pfs afin de stimuler sa croissance.<br \/>\n<\/article>\n<\/div>\n<\/div>\n<p>[\/et_pb_text][et_pb_text admin_label=\u00a0\u00bbUbimia timeline – 2021″ _builder_version=\u00a0\u00bb4.27.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<div class=\"timeline__block\">\n<div class=\"timeline__block-year\">2021<\/div>\n<div class=\"timeline__block-line\"><\/div>\n<div class=\"timeline__block-content\">\n<article>\n<h3>LexTools<\/h3>\n<p>Nous avons ajout\u00e9 la soci\u00e9t\u00e9 LexTools, \u00e9tendant ainsi nos capacit\u00e9s \u00e0 servir le march\u00e9 juridique par le biais de la technologie.<\/p>\n<\/article>\n<article>\n<h3>Portugal<\/h3>\n<p>Nous avons ouvert une succursale pfs \u00e0 Lisbonne, au Portugal, ce qui constitue notre premi\u00e8re \u00e9tape dans l’internationalisation de l’entreprise.<\/p>\n<\/article>\n<article>\n<h3>Zone de commerce de d\u00e9tail et d’entreprises<\/h3>\n<p>Afin d’accro\u00eetre et de diversifier la client\u00e8le et de g\u00e9n\u00e9rer et d’exploiter de nouvelles propri\u00e9t\u00e9s intellectuelles, la ligne de d\u00e9taillants et d’entreprises a vu le jour.<\/p>\n<\/article>\n<article>\n<h3>pfs s’implante au Mexique<\/h3>\n<p>pfs traverse l’\u00e9tang avec l’int\u00e9gration de l’entreprise technologique Telepro.<\/p>\n<\/article>\n<\/div>\n<\/div>\n<p>[\/et_pb_text][et_pb_text admin_label=\u00a0\u00bbUbimia timeline – 2020″ _builder_version=\u00a0\u00bb4.27.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<div class=\"timeline__block\">\n<div class=\"timeline__block-year\">2020<\/div>\n<div class=\"timeline__block-line\"><\/div>\n<div class=\"timeline__block-content\">\n<article>\n<h3>Waavi<\/h3>\n<p><span>Deuxi\u00e8me op\u00e9ration de fusion-acquisition, dans le cadre de laquelle nous avons int\u00e9gr\u00e9 Waavi en tant que laboratoire d’innovation de rupture, ce qui nous a donn\u00e9 la capacit\u00e9 d'\u00a0\u00bbinnover rapidement et intelligemment\u00a0\u00bb.<\/span><\/p>\n<\/article>\n<\/div>\n<\/div>\n<p>[\/et_pb_text][et_pb_text admin_label=\u00a0\u00bbUbimia timeline – 2019″ _builder_version=\u00a0\u00bb4.27.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<div class=\"timeline__block\">\n<div class=\"timeline__block-year\">2019<\/div>\n<div class=\"timeline__block-line\"><\/div>\n<div class=\"timeline__block-content\">\n<article>\n<h3>Nouvelle ligne de sp\u00e9cialisation vers le march\u00e9 de l’assurance<\/h3>\n<p>Pour apporter nos produits logiciels et nos plateformes num\u00e9riques au march\u00e9 de l’assurance, nous avons cr\u00e9\u00e9 une ligne de sp\u00e9cialisation qui nous a permis de nous aligner sur les besoins sp\u00e9cifiques de ce secteur.<\/p>\n<\/article>\n<\/div>\n<\/div>\n<p>[\/et_pb_text][et_pb_text admin_label=\u00a0\u00bbUbimia timeline – 2018″ _builder_version=\u00a0\u00bb4.27.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<div class=\"timeline__block\">\n<div class=\"timeline__block-year\">2018<\/div>\n<div class=\"timeline__block-line\"><\/div>\n<div class=\"timeline__block-content\">\n<article>\n<h3>ABA et ASSISTO<\/h3>\n<p>Notre premi\u00e8re op\u00e9ration de fusion-acquisition \u00e9tait ax\u00e9e sur l’int\u00e9gration des activit\u00e9s juridiques traditionnelles afin de les transformer en une plateforme de services num\u00e9riques et d’\u00e9tendre nos capacit\u00e9s. Cela nous a permis de devenir le leader du march\u00e9. <\/p>\n<\/article>\n<\/div>\n<\/div>\n<p>[\/et_pb_text][et_pb_text admin_label=\u00a0\u00bbUbimia timeline – 2017″ _builder_version=\u00a0\u00bb4.27.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<div class=\"timeline__block\">\n<div class=\"timeline__block-year\">2017<\/div>\n<div class=\"timeline__block-line\"><\/div>\n<div class=\"timeline__block-content\">\n<article>\n<h3>L’expansion des march\u00e9s pour nos produits logiciels<\/h3>\n<p>Nous avons \u00e9largi et diversifi\u00e9 nos march\u00e9s cibles, en ouvrant notre technologie \u00e0 des clients d’autres segments.<\/p>\n<\/article>\n<\/div>\n<\/div>\n<p>[\/et_pb_text][et_pb_text admin_label=\u00a0\u00bbUbimia timeline – 2015″ _builder_version=\u00a0\u00bb4.27.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<div class=\"timeline__block\">\n<div class=\"timeline__block-year\">2015<\/div>\n<div class=\"timeline__block-line\"><\/div>\n<div class=\"timeline__block-content\">\n<article>\n<h3>Expansion de la plateforme de services juridiques<\/h3>\n<p>Afin de transformer efficacement le processus juridique des grandes entreprises, nous avons \u00e9largi la plateforme num\u00e9rique et int\u00e9gr\u00e9 l’approvisionnement en tant qu’\u00e9l\u00e9ment essentiel de la solution de bout en bout.<\/p>\n<\/article>\n<\/div>\n<\/div>\n<p>[\/et_pb_text][et_pb_text admin_label=\u00a0\u00bbUbimia timeline – 2011″ _builder_version=\u00a0\u00bb4.27.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<div class=\"timeline__block\">\n<div class=\"timeline__block-year\">2011<\/div>\n<div class=\"timeline__block-line\"><\/div>\n<div class=\"timeline__block-content\">\n<article>\n<h3>Premi\u00e8re plateforme de services num\u00e9riques : activit\u00e9s juridiques<\/h3>\n<p>Nous avons lanc\u00e9 notre premier service sp\u00e9cialis\u00e9 sous la forme d’une plateforme num\u00e9rique, en nous appuyant sur notre solide savoir-faire en mati\u00e8re de processus d’entreprise et sur les produits logiciels qui connaissaient d\u00e9j\u00e0 un grand succ\u00e8s aupr\u00e8s des clients financiers \u00e0 l’\u00e9poque.<\/p>\n<\/article>\n<\/div>\n<\/div>\n<p>[\/et_pb_text][et_pb_text admin_label=\u00a0\u00bbUbimia timeline – 2008″ _builder_version=\u00a0\u00bb4.27.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<div class=\"timeline__block\">\n<div class=\"timeline__block-year\">2008<\/div>\n<div class=\"timeline__block-line\"><\/div>\n<div class=\"timeline__block-content\">\n<article>\n<h3>Priorit\u00e9 aux nouvelles activit\u00e9s et aux produits logiciels<\/h3>\n<p>C’est en 2008 que le PFS tel que nous le connaissons a r\u00e9ellement pris forme. Les capacit\u00e9s ont \u00e9t\u00e9 \u00e9tendues, en ajoutant \u00e0 l’activit\u00e9 de formation l’activit\u00e9 de conseil et de produits logiciels, toujours tr\u00e8s ax\u00e9e sur le cr\u00e9neau du risque de cr\u00e9dit bancaire. <\/p>\n<\/article>\n<\/div>\n<\/div>\n<p>[\/et_pb_text][et_pb_text admin_label=\u00a0\u00bbUbimia timeline – 1999″ _builder_version=\u00a0\u00bb4.27.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb custom_margin=\u00a0\u00bb||60px||false|false\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<div class=\"timeline__block\">\n<div class=\"timeline__block-year\">1999<\/div>\n<div class=\"timeline__block-line\"><\/div>\n<div class=\"timeline__block-content\">\n<article>\n<h3>Cr\u00e9ation de pfs<\/h3>\n<p>C’est en 1999 qu’a \u00e9t\u00e9 cr\u00e9\u00e9e la graine de pfs, dont la mission initiale \u00e9tait de former les employ\u00e9s des banques et des caisses d’\u00e9pargne aux questions relatives au risque de cr\u00e9dit.<\/p>\n<\/article>\n<\/div>\n<\/div>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=\u00a0\u00bb1″ _builder_version=\u00a0\u00bb4.27.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb background_color=\u00a0\u00bb#152A35″ custom_padding=\u00a0\u00bb||16px||false|false\u00a0\u00bb locked=\u00a0\u00bboff\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_row _builder_version=\u00a0\u00bb4.27.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb width_tablet=\u00a0\u00bb\u00a0\u00bb width_phone=\u00a0\u00bb90%\u00a0\u00bb width_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb custom_padding=\u00a0\u00bb||32px||false|false\u00a0\u00bb locked=\u00a0\u00bboff\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb4_4″ _builder_version=\u00a0\u00bb4.27.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_text disabled_on=\u00a0\u00bbon|off|off\u00a0\u00bb admin_label=\u00a0\u00bbLabel .label .label-light + Slider H2 title {h2 padding-bottom:0}\u00a0\u00bb _builder_version=\u00a0\u00bb4.27.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_text_color=\u00a0\u00bb#FFFFFF\u00a0\u00bb header_2_font=\u00a0\u00bb||||||||\u00a0\u00bb header_2_text_color=\u00a0\u00bb#FFFFFF\u00a0\u00bb header_2_font_size=\u00a0\u00bb40px\u00a0\u00bb custom_margin=\u00a0\u00bb||32px||false|false\u00a0\u00bb header_2_font_size_tablet=\u00a0\u00bb40px\u00a0\u00bb header_2_font_size_phone=\u00a0\u00bb24px\u00a0\u00bb header_2_font_size_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb custom_css_free_form=\u00a0\u00bbselector h2 {|| padding-bottom:0;||}\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<div class=\"flex-rows-fs-fs\">\n<div class=\"icon-label plataforma\" style=\"width: 180px;\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/ub-st.kodaconsulting.dev\/wp-content\/uploads\/2025\/08\/light-circle-arrow-down.svg\" width=\"36\" height=\"36\" alt=\"cercle lumineux-fl\u00e8che vers le bas\" class=\"wp-image-138 alignnone size-medium arrow-label\"><span class=\"label label-claro mr-l\">Clients<\/span><\/div>\n<h2>O\u00f9 sont <strong>nos clients<\/strong>?<\/h2>\n<\/div>\n<p>[\/et_pb_text][et_pb_text disabled_on=\u00a0\u00bboff|on|on\u00a0\u00bb admin_label=\u00a0\u00bbLabel .label .label-light + Slider H2 title {h2 padding-bottom:0} SOLO MOVIL\u00a0\u00bb _builder_version=\u00a0\u00bb4.27.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_text_color=\u00a0\u00bb#FFFFFF\u00a0\u00bb header_2_font=\u00a0\u00bb||||||||\u00a0\u00bb header_2_text_color=\u00a0\u00bb#FFFFFF\u00a0\u00bb header_2_font_size=\u00a0\u00bb40px\u00a0\u00bb custom_margin=\u00a0\u00bb||32px||false|false\u00a0\u00bb header_2_font_size_tablet=\u00a0\u00bb40px\u00a0\u00bb header_2_font_size_phone=\u00a0\u00bb24px\u00a0\u00bb header_2_font_size_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb custom_css_free_form=\u00a0\u00bbselector h2 {|| padding-bottom:0;||}\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<div class=\"icon-label plataforma\" style=\"width: 180px;\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/ub-st.kodaconsulting.dev\/wp-content\/uploads\/2025\/08\/light-circle-arrow-down.svg\" width=\"36\" height=\"36\" alt=\"cercle lumineux-fl\u00e8che vers le bas\" class=\"wp-image-138 alignnone size-medium arrow-label\"><span class=\"label label-claro mr-l\">Clients<\/span><\/div>\n<h2>O\u00f9 sont <strong>nos clients<\/strong>?<\/h2>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=\u00a0\u00bb1_3,2_3″ make_equal=\u00a0\u00bbon\u00a0\u00bb disabled_on=\u00a0\u00bbon|off|off\u00a0\u00bb admin_label=\u00a0\u00bbCarte des rang\u00e9es Desktop\u00a0\u00bb _builder_version=\u00a0\u00bb4.27.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb1_3″ admin_label=\u00a0\u00bbColonne {espace flexible entre}\u00a0\u00bb _builder_version=\u00a0\u00bb4.27.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb custom_css_free_form=\u00a0\u00bbselector {|| display:flex;|| flex-flow: row nowrap;|| justify-content:space-between;|| gap:18px;||}\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_text ul_type=\u00a0\u00bbnone\u00a0\u00bb ul_item_indent=\u00a0\u00bb1px\u00a0\u00bb module_id=\u00a0\u00bbclientes\u00a0\u00bb _builder_version=\u00a0\u00bb4.27.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_text_color=\u00a0\u00bb#FFFFFF\u00a0\u00bb text_font_size=\u00a0\u00bb20px\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<ul class=\"listado-oficinas\">\n<li class=\"oficina\">Allemagne<\/li>\n<li class=\"oficina\">Argentine<\/li>\n<li>Autriche<\/li>\n<li>Cap Vert<\/li>\n<li class=\"oficina\">Chili<\/li>\n<li class=\"oficina\">Colombie<\/li>\n<li>C\u00f4te d’Ivoire<\/li>\n<li>\u00c9quateur<\/li>\n<li>El Salvador<\/li>\n<li>Slov\u00e9nie<\/li>\n<li class=\"oficina\">Espagne<\/li>\n<li>\u00c9tats-Unis<\/li>\n<li class=\"oficina\">France<\/li>\n<\/ul>\n<p>[\/et_pb_text][et_pb_text ul_type=\u00a0\u00bbnone\u00a0\u00bb ul_item_indent=\u00a0\u00bb1px\u00a0\u00bb module_id=\u00a0\u00bbclientes\u00a0\u00bb _builder_version=\u00a0\u00bb4.27.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_text_color=\u00a0\u00bb#FFFFFF\u00a0\u00bb text_font_size=\u00a0\u00bb20px\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<ul class=\"listado-oficinas\">\n<li>Irlande<\/li>\n<li>Italie<\/li>\n<li>Luxembourg<\/li>\n<li class=\"oficina\">Mexique<\/li>\n<li>Maroc<\/li>\n<li>Norv\u00e8ge<\/li>\n<li>Paraguay<\/li>\n<li class=\"oficina\">P\u00e9rou<\/li>\n<li>Portugal<\/li>\n<li>Royaume-Uni<\/li>\n<li>R. Dominicaine<\/li>\n<li>Uruguay<\/li>\n<li>Venezuela<\/li>\n<\/ul>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=\u00a0\u00bb2_3″ _builder_version=\u00a0\u00bb4.27.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_image src=\u00a0\u00bbhttps:\/\/ub-st.kodaconsulting.dev\/wp-content\/uploads\/2025\/10\/mapa-mundo.svg\u00a0\u00bb alt=\u00a0\u00bbCarte des clients d'ubimia\u00a0\u00bb align=\u00a0\u00bbcenter\u00a0\u00bb _builder_version=\u00a0\u00bb4.27.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb width=\u00a0\u00bb100%\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][\/et_pb_image][et_pb_text _builder_version=\u00a0\u00bb4.27.5″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_text_color=\u00a0\u00bb#FFFFFF\u00a0\u00bb text_orientation=\u00a0\u00bbcenter\u00a0\u00bb custom_padding=\u00a0\u00bb16px||||false|false\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/ub-st.kodaconsulting.dev\/wp-content\/uploads\/2025\/10\/mint-bullet.svg\" width=\"16\" height=\"16\" alt=\"\" class=\"wp-image-32382 alignnone size-full\" style=\"vertical-align: -3px; margin-right: 8px;\" \/> oficinas de ubimia\u00ae[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row disabled_on=\u00a0\u00bboff|on|on\u00a0\u00bb admin_label=\u00a0\u00bbRow Mobile map\u00a0\u00bb _builder_version=\u00a0\u00bb4.27.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb width_tablet=\u00a0\u00bb\u00a0\u00bb width_phone=\u00a0\u00bb90%\u00a0\u00bb width_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb4_4″ admin_label=\u00a0\u00bbColonne {espace flexible entre}\u00a0\u00bb _builder_version=\u00a0\u00bb4.27.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_image src=\u00a0\u00bbhttps:\/\/ub-st.kodaconsulting.dev\/wp-content\/uploads\/2025\/10\/mapa-mundo.svg\u00a0\u00bb alt=\u00a0\u00bbCarte des clients d'ubimia\u00a0\u00bb align=\u00a0\u00bbcenter\u00a0\u00bb admin_label=\u00a0\u00bbMapa clientes\u00a0\u00bb _builder_version=\u00a0\u00bb4.27.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb width=\u00a0\u00bb100%\u00a0\u00bb custom_margin=\u00a0\u00bb||32px||false|false\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][\/et_pb_image][\/et_pb_column][\/et_pb_row][et_pb_row disabled_on=\u00a0\u00bboff|on|on\u00a0\u00bb admin_label=\u00a0\u00bbBureau mobile en rang\u00e9e\u00a0\u00bb _builder_version=\u00a0\u00bb4.27.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb width_tablet=\u00a0\u00bb\u00a0\u00bb width_phone=\u00a0\u00bb90%\u00a0\u00bb width_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb4_4″ _builder_version=\u00a0\u00bb4.27.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb custom_css_free_form=\u00a0\u00bbselector {|| display:flex;|| flex-flow: row nowrap;|| justify-content:space-between;|| align-items:stretch;|| gap:18px;||}\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_text ul_type=\u00a0\u00bbnone\u00a0\u00bb ul_item_indent=\u00a0\u00bb1px\u00a0\u00bb admin_label=\u00a0\u00bbSedes 01″ module_id=\u00a0\u00bbclientes\u00a0\u00bb _builder_version=\u00a0\u00bb4.27.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_text_color=\u00a0\u00bb#FFFFFF\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<ul class=\"listado-oficinas\">\n<li class=\"oficina\">Allemagne<\/li>\n<li class=\"oficina\">Argentine<\/li>\n<li>Autriche<\/li>\n<li>Cap Vert<\/li>\n<li class=\"oficina\">Chili<\/li>\n<li class=\"oficina\">Colombie<\/li>\n<li>C\u00f4te d’Ivoire<\/li>\n<li>\u00c9quateur<\/li>\n<li>El Salvador<\/li>\n<li>Slov\u00e9nie<\/li>\n<li class=\"oficina\">Espagne<\/li>\n<li>\u00c9tats-Unis<\/li>\n<li class=\"oficina\">France<\/li>\n<\/ul>\n<p>[\/et_pb_text][et_pb_text ul_type=\u00a0\u00bbnone\u00a0\u00bb ul_item_indent=\u00a0\u00bb1px\u00a0\u00bb admin_label=\u00a0\u00bbSedes 02″ module_id=\u00a0\u00bbclientes\u00a0\u00bb _builder_version=\u00a0\u00bb4.27.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_text_color=\u00a0\u00bb#FFFFFF\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<ul class=\"listado-oficinas\">\n<li>Irlande<\/li>\n<li>Italie<\/li>\n<li>Luxembourg<\/li>\n<li class=\"oficina\">Mexique<\/li>\n<li>Maroc<\/li>\n<li>Norv\u00e8ge<\/li>\n<li>Paraguay<\/li>\n<li class=\"oficina\">P\u00e9rou<\/li>\n<li>Portugal<\/li>\n<li>Royaume-Uni<\/li>\n<li>R. Dominicaine<\/li>\n<li>Uruguay<\/li>\n<li>Venezuela<\/li>\n<\/ul>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=\u00a0\u00bb4.27.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb width_tablet=\u00a0\u00bb\u00a0\u00bb width_phone=\u00a0\u00bb90%\u00a0\u00bb width_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb4_4″ _builder_version=\u00a0\u00bb4.27.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_text admin_label=\u00a0\u00bbTexto clientes\u00a0\u00bb _builder_version=\u00a0\u00bb4.27.5″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_font=\u00a0\u00bb|700|||||||\u00a0\u00bb text_text_color=\u00a0\u00bb#FFFFFF\u00a0\u00bb text_font_size=\u00a0\u00bb40px\u00a0\u00bb text_line_height=\u00a0\u00bb1.08em\u00a0\u00bb text_font_size_tablet=\u00a0\u00bb40px\u00a0\u00bb text_font_size_phone=\u00a0\u00bb24px\u00a0\u00bb text_font_size_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]ubimia\u00ae, tiene su <span class=\"accent-text\">sede central en Madrid y oficinas en Valencia, Barcelona, Par\u00eds, M\u00fcnster, Lima, Buenos Aires, Ciudad de M\u00e9xico, Santiago de Chile y Bogot\u00e1.<\/span><\/p>\n<p>Trabajamos con clientes en <span class=\"accent-text\">26 pa\u00edses<\/span> en todo el mundo.[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Nous sommes une marquesans limites Nous sommes pr\u00e9sents \u00e0 chaque \u00e9tape du cycle de vie du cr\u00e9dit, apportant confiance, \u00e9lan, avenir et connexion.Nous sommes une marquesans limitesNous sommes pr\u00e9sents \u00e0 chaque \u00e9tape du cycle de vie du cr\u00e9dit, en apportant confiance, \u00e9lan, avenir et connexion.Nosotros\u00a0 ubimia\u00ae ubimia\u00ae Nuestra esencia ubimia\u00ae Nuestra esenciaNotre essence est l’innovation […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","inline_featured_image":false,"footnotes":""},"dipi_cpt_category":[],"class_list":["post-35749","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/ub-st.kodaconsulting.dev\/fr\/wp-json\/wp\/v2\/pages\/35749","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ub-st.kodaconsulting.dev\/fr\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/ub-st.kodaconsulting.dev\/fr\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/ub-st.kodaconsulting.dev\/fr\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/ub-st.kodaconsulting.dev\/fr\/wp-json\/wp\/v2\/comments?post=35749"}],"version-history":[{"count":2,"href":"https:\/\/ub-st.kodaconsulting.dev\/fr\/wp-json\/wp\/v2\/pages\/35749\/revisions"}],"predecessor-version":[{"id":35759,"href":"https:\/\/ub-st.kodaconsulting.dev\/fr\/wp-json\/wp\/v2\/pages\/35749\/revisions\/35759"}],"wp:attachment":[{"href":"https:\/\/ub-st.kodaconsulting.dev\/fr\/wp-json\/wp\/v2\/media?parent=35749"}],"wp:term":[{"taxonomy":"dipi_cpt_category","embeddable":true,"href":"https:\/\/ub-st.kodaconsulting.dev\/fr\/wp-json\/wp\/v2\/dipi_cpt_category?post=35749"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}
![\"light-circle-arrow-down\"](\"https:\/\/ub-st.kodaconsulting.dev\/wp-content\/uploads\/2025\/08\/light-circle-arrow-down.svg\"){kind=icon}
ubimia\u00ae<\/span><\/div>\n![\"objectif-principal\"](\"https:\/\/ub-st.kodaconsulting.dev\/wp-content\/uploads\/2025\/09\/nosotros-confianza.webp\")
<\/p>\n![\"impulsion\"](\"https:\/\/ub-st.kodaconsulting.dev\/wp-content\/uploads\/2025\/09\/nosotros-impulso.webp\")
<\/p>\n![\"L'avenir](\"https:\/\/ub-st.kodaconsulting.dev\/wp-content\/uploads\/2025\/09\/nosotros-futuro.webp\")
<\/p>\n![\"objectif-principal\"](\"https:\/\/ub-st.kodaconsulting.dev\/wp-content\/uploads\/2025\/09\/nosotros-conexion.webp\")
<\/p>\n