{"id":13358,"date":"2025-10-15T13:46:00","date_gmt":"2025-10-15T11:46:00","guid":{"rendered":"https:\/\/dev.jems-group.com\/?p=13358"},"modified":"2026-04-23T16:24:19","modified_gmt":"2026-04-23T14:24:19","slug":"ai-and-finance-what-impacts-on-scoring-and-risk-assessment","status":"publish","type":"post","link":"https:\/\/www.jems-group.com\/en\/actualites\/ia-act-et-finance-quels-impacts-sur-le-scoring-et-levaluation-des-risques\/","title":{"rendered":"AI Act and finance: what impacts on scoring and risk assessment?"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"13358\" class=\"elementor elementor-13358\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-240e634 e-flex e-con-boxed e-con e-parent\" data-id=\"240e634\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-62b218c elementor-widget elementor-widget-global elementor-global-12335 elementor-widget-breadcrumbs\" data-id=\"62b218c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"breadcrumbs.default\">\n\t\t\t\t\t<p id=\"breadcrumbs\"><span><span><a href=\"https:\/\/www.jems-group.com\/fr\/\">Accueil<\/a><\/span><\/span><\/p>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-816de0c e-con-full e-flex e-con e-child\" data-id=\"816de0c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-798d721 e-con-full e-flex e-con e-child\" data-id=\"798d721\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e053f1d elementor-widget elementor-widget-heading\" data-id=\"e053f1d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">IA Act et finance : quels impacts sur le scoring et l\u2019\u00e9valuation des risques ?<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9b09188 elementor-widget elementor-widget-post-info\" data-id=\"9b09188\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"post-info.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items elementor-post-info\">\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-repeater-item-7c979de\" itemprop=\"datePublished\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-date\">\n\t\t\t\t\t\t\t<span class=\"elementor-post-info__item-prefix\">Publi\u00e9 le <\/span>\n\t\t\t\t\t\t\t\t\t\t<time>15 October 2025<\/time>\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d01628e e-flex e-con-boxed e-con e-parent\" data-id=\"d01628e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0976b1b elementor-widget elementor-widget-text-editor\" data-id=\"0976b1b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span data-contrast=\"auto\">Le r\u00e8glement europ\u00e9en sur l\u2019intelligence artificielle, ou\u00a0<\/span><b><span data-contrast=\"auto\">IA Act<\/span><\/b><span data-contrast=\"auto\">, est entr\u00e9 en vigueur le 1er ao\u00fbt 2024. Il s\u2019agit du premier cadre juridique visant \u00e0 encadrer l\u2019usage de l\u2019IA selon une logique de gestion des risques. En classant les syst\u00e8mes d\u2019IA selon leur niveau de dangerosit\u00e9\u202f: du risque inacceptable aux usages \u00e0 haut risque, l\u2019Union europ\u00e9enne a choisi une approche proportionn\u00e9e, mais ambitieuse. L\u2019IA Act impact particuli\u00e8rement la finance , car les usages de l\u2019IA touchent directement aux d\u00e9cisions de cr\u00e9dit, de tarification ou de d\u00e9tection de fraude, avec des cons\u00e9quences majeures pour les individus et la stabilit\u00e9 \u00e9conomique.<\/span><span data-ccp-props=\"{&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">Pour les banques, compagnies d\u2019assurance et acteurs du financement, l\u2019IA Act marque un tournant. Les pratiques de\u00a0<\/span><b><span data-contrast=\"auto\">scoring de cr\u00e9dit<\/span><\/b><span data-contrast=\"auto\">, d\u2019<\/span><b><span data-contrast=\"auto\">\u00e9valuation des risques d\u2019assurance<\/span><\/b><span data-contrast=\"auto\">\u00a0ou encore de\u00a0<\/span><b><span data-contrast=\"auto\">gestion automatis\u00e9e de la conformit\u00e9 r\u00e9glementaire<\/span><\/b><span data-contrast=\"auto\">\u00a0figurent explicitement dans la liste des syst\u00e8mes \u00e0 haut risque d\u00e9finie par le r\u00e8glement.\u00a0<\/span><span data-ccp-props=\"{&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">L\u2019enjeu est double : se pr\u00e9parer \u00e0 de nouvelles obligations de documentation, de gouvernance et de supervision, tout en transformant cette contrainte en levier de confiance aupr\u00e8s des clients.<\/span><span data-ccp-props=\"{&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><span data-contrast=\"auto\">Vous voulez savoir comment l\u2019IA Act va impacter vos activit\u00e9s financi\u00e8res ?<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b167d9d elementor-align-center elementor-widget elementor-widget-button\" data-id=\"b167d9d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/share-eu1.hsforms.com\/1FVSnY_8LSOmS3jyeGpiuvw2disvq?__hstc=252637078.41a43b60e0b0d2d14e565410aeff7d16.1765897678849.1775130464852.1775200088231.104&#038;__hssc=252637078.48.1775200088231&#038;__hsfp=6e7ceac539a099e1cb3c8ee14183bd94\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">\u00c9changer avec un expert JEMS<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5d44426 elementor-widget elementor-widget-heading\" data-id=\"5d44426\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Pourquoi le secteur financier est au c\u0153ur de l\u2019IA Act ?\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-658453b elementor-widget elementor-widget-text-editor\" data-id=\"658453b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span data-contrast=\"auto\">La finance et l\u2019assurance font partie des secteurs les plus r\u00e9glement\u00e9s d\u2019Europe, et l\u2019IA Act s\u2019inscrit dans cette continuit\u00e9. Le r\u00e8glement identifie comme \u00ab\u202f\u00e0 haut risque\u202f\u00bb les syst\u00e8mes utilis\u00e9s pour :<\/span><span data-ccp-props=\"{&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p><ul><li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">l\u2019\u00e9valuation de la solvabilit\u00e9 et l\u2019octroi de cr\u00e9dits,<\/span><span data-ccp-props=\"{&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/li><\/ul><ul><li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"auto\">la tarification des assurances vie et sant\u00e9,<\/span><span data-ccp-props=\"{&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/li><\/ul><ul><li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"3\" data-aria-level=\"1\"><span data-contrast=\"auto\">la gestion de services financiers consid\u00e9r\u00e9s comme essentiels.<\/span><span data-ccp-props=\"{&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/li><\/ul><p>\u00a0<\/p><p><span data-contrast=\"auto\">Ces activit\u00e9s ne rel\u00e8vent pas d\u2019un simple confort technologique : elles d\u00e9terminent l\u2019acc\u00e8s des citoyens \u00e0 des ressources vitales comme le logement, la sant\u00e9 ou la retraite.\u00a0<\/span><span data-ccp-props=\"{&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">Toute erreur ou tout biais dans un mod\u00e8le d\u2019IA peut entra\u00eener des r\u00e9percussions directes sur la vie des personnes concern\u00e9es. C\u2019est pourquoi la l\u00e9gislation europ\u00e9enne impose aux acteurs financiers des contraintes sp\u00e9cifiques : donn\u00e9es de qualit\u00e9, supervision humaine, transparence et robustesse technique.<\/span><span data-ccp-props=\"{&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">La CNIL rappelle que le r\u00e8glement ne cr\u00e9e pas un cadre isol\u00e9, mais qu\u2019il s\u2019articule avec des textes d\u00e9j\u00e0 existants comme le RGPD. Cela signifie que les traitements de donn\u00e9es personnelles r\u00e9alis\u00e9s dans le cadre de syst\u00e8mes d\u2019IA restent soumis au RGPD, en plus des obligations nouvelles de l\u2019IA Act. Une analyse d\u2019impact IA Act pourra d\u2019ailleurs \u00eatre coordonn\u00e9e avec l\u2019analyse d\u2019impact pr\u00e9vue par le RGPD.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\"><strong>Si la gouvernance est fragment\u00e9e, le risque est double<\/strong>\u00a0: une lecture juridique sans vision technique, ou \u00e0 l\u2019inverse une impl\u00e9mentation technique sans prise en compte des droits fondamentaux. Dans les deux cas, l\u2019organisation s\u2019expose \u00e0 des\u00a0<strong>angles morts r\u00e9glementaires<\/strong>.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8c53b39 elementor-widget elementor-widget-image\" data-id=\"8c53b39\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.jems-group.com\/wp-content\/uploads\/elementor\/thumbs\/obligations-juridiques-IA-Act-rksfvuznp9qew8nq4zbmxdebkscji1pujh95a9fxk0.webp\" title=\"obligations juridiques IA Act\" alt=\"obligations juridiques IA Act\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5b3c680 elementor-widget elementor-widget-heading\" data-id=\"5b3c680\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">L\u2019\u00e9valuation des risques en assurance \n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-aac2699 elementor-widget elementor-widget-text-editor\" data-id=\"aac2699\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span data-contrast=\"auto\">L\u2019assurance est \u00e9galement au c\u0153ur des pr\u00e9occupations du r\u00e9gulateur. L\u2019usage de l\u2019IA pour tarifer des contrats d\u2019assurance sant\u00e9 ou vie, ou pour d\u00e9tecter les risques de sinistre, est soumis aux m\u00eames exigences de transparence et de robustesse.<\/span><span data-ccp-props=\"{&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">Les compagnies doivent garantir que les donn\u00e9es utilis\u00e9es ne cr\u00e9ent pas d\u2019exclusions injustifi\u00e9es, que les mod\u00e8les sont expliqu\u00e9s et compr\u00e9hensibles, et que les assur\u00e9s disposent de voies de recours en cas de d\u00e9cision automatis\u00e9e.\u00a0<\/span><span data-ccp-props=\"{&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">La gouvernance des donn\u00e9es joue ici un r\u00f4le central : l\u2019IA Act exige que les ensembles de donn\u00e9es d\u2019entra\u00eenement soient repr\u00e9sentatifs, pertinents et document\u00e9s. L\u2019objectif est d\u2019\u00e9viter les biais qui pourraient fragiliser la confiance des assur\u00e9s dans le syst\u00e8me.<\/span><span data-ccp-props=\"{&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ad7e6ad elementor-widget elementor-widget-heading\" data-id=\"ad7e6ad\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Les obligations de conformit\u00e9 de l\u2019IA Act pour les acteurs financiers\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-40462ce elementor-widget elementor-widget-text-editor\" data-id=\"40462ce\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span data-contrast=\"auto\">L\u2019IA Act distingue les obligations selon le r\u00f4le jou\u00e9 dans la cha\u00eene de valeur :\u00a0<\/span><b><span data-contrast=\"auto\">fournisseurs<\/span><\/b><span data-contrast=\"auto\">\u00a0de syst\u00e8mes (d\u00e9veloppeurs ou concepteurs d\u2019IA) et\u00a0<\/span><b><span data-contrast=\"auto\">d\u00e9ployeurs<\/span><\/b><span data-contrast=\"auto\">\u00a0(banques, assurances, gestionnaires d\u2019actifs qui int\u00e8grent ces syst\u00e8mes dans leurs processus).<\/span><span data-ccp-props=\"{&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">Pour les fournisseurs, les principales obligations comprennent\u00a0<\/span><span data-contrast=\"auto\">la conception d\u2019un syst\u00e8me de gestion des risques,<\/span>\u00a0<span data-contrast=\"auto\">la documentation technique,<\/span>\u00a0<span data-contrast=\"auto\">l\u2019assurance qualit\u00e9 des donn\u00e9es et des mod\u00e8les,<\/span>\u00a0<span data-contrast=\"auto\">la mise en place de m\u00e9canismes de tra\u00e7abilit\u00e9 et de journalisation.<\/span><span data-ccp-props=\"{&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">Pour les d\u00e9ployeurs, les obligations portent notamment sur\u00a0<\/span><span data-contrast=\"auto\">l\u2019utilisation conforme du syst\u00e8me,\u00a0<\/span><span data-contrast=\"auto\">la conservation de certains journaux,<\/span>\u00a0<span data-contrast=\"auto\">la r\u00e9alisation, pour certains cas, d\u2019analyses d\u2019impact sur les droits fondamentaux,<\/span>\u00a0<span data-contrast=\"auto\">la supervision humaine des d\u00e9cisions.<\/span><span data-ccp-props=\"{&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">Dans le secteur financier, cela signifie que les \u00e9tablissements devront documenter pr\u00e9cis\u00e9ment leurs pratiques de scoring ou d\u2019\u00e9valuation de risque, et \u00eatre en mesure de produire ces informations lors d\u2019un contr\u00f4le par les autorit\u00e9s comp\u00e9tentes, telles que l\u2019ACPR en France.<\/span><span data-ccp-props=\"{&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2fe3221 elementor-widget elementor-widget-heading\" data-id=\"2fe3221\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Les risques d\u2019une non-conformit\u00e9 \n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e537bfc elementor-widget elementor-widget-text-editor\" data-id=\"e537bfc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span data-contrast=\"auto\">Ne pas se conformer \u00e0 l\u2019IA Act expose les entreprises financi\u00e8res \u00e0 plusieurs types de risques :<\/span><span data-ccp-props=\"{&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p><ul><li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"7\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:1080,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">r\u00e9glementaires<\/span><\/b><span data-contrast=\"auto\">, avec des amendes pouvant atteindre plusieurs pourcents du chiffre d\u2019affaires de l\u2019entit\u00e9 concern\u00e9e,<\/span><span data-ccp-props=\"{&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/li><\/ul><ul><li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"7\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:1080,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">juridiques<\/span><\/b><span data-contrast=\"auto\">, avec des contentieux li\u00e9s \u00e0 des d\u00e9cisions per\u00e7ues comme discriminatoires,<\/span><span data-ccp-props=\"{&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/li><\/ul><ul><li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"7\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:1080,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"3\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">r\u00e9putationnels<\/span><\/b><span data-contrast=\"auto\">, en cas de mauvaise presse ou de perte de confiance des clients,<\/span><span data-ccp-props=\"{&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/li><\/ul><ul><li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"7\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:1080,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"4\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">financiers<\/span><\/b><span data-contrast=\"auto\">, car le co\u00fbt d\u2019une mise en conformit\u00e9 tardive peut s\u2019av\u00e9rer bien plus \u00e9lev\u00e9 que celui d\u2019une pr\u00e9paration anticip\u00e9e.<\/span><span data-ccp-props=\"{&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/li><\/ul><p>\u00a0<\/p><p><span data-contrast=\"auto\">Comme le rappelle l\u2019ACPR, la conformit\u00e9 au r\u00e8glement europ\u00e9en sur l\u2019IA doit \u00eatre consid\u00e9r\u00e9e non pas comme une charge ponctuelle, mais comme une d\u00e9marche continue de pilotage des risques et d\u2019am\u00e9lioration de la qualit\u00e9 des syst\u00e8mes.<\/span><span data-ccp-props=\"{&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c3fc281 elementor-widget elementor-widget-heading\" data-id=\"c3fc281\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Comment se pr\u00e9parer d\u00e8s aujourd\u2019hui ?  \n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5b156c1 elementor-widget elementor-widget-text-editor\" data-id=\"5b156c1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span data-contrast=\"auto\">Pour les \u00e9tablissements financiers, la pr\u00e9paration ne peut pas attendre l\u2019\u00e9ch\u00e9ance r\u00e9glementaire de 2026. Trois chantiers apparaissent prioritaires :<\/span><span data-ccp-props=\"{&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p><ol><li aria-setsize=\"-1\" data-leveltext=\"%1.\" data-font=\"\" data-listid=\"9\" data-list-defn-props=\"{&quot;335552541&quot;:0,&quot;335559685&quot;:1080,&quot;335559991&quot;:360,&quot;469769242&quot;:[65533,0],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;%1.&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Cartographier les usages d\u2019IA<\/span><\/b><span data-contrast=\"auto\">\u00a0d\u00e9j\u00e0 pr\u00e9sents dans l\u2019organisation, en identifiant ceux qui rel\u00e8vent du haut risque.<\/span><span data-ccp-props=\"{&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/li><li aria-setsize=\"-1\" data-leveltext=\"%1.\" data-font=\"\" data-listid=\"9\" data-list-defn-props=\"{&quot;335552541&quot;:0,&quot;335559685&quot;:1080,&quot;335559991&quot;:360,&quot;469769242&quot;:[65533,0],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;%1.&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Mettre en place une gouvernance des donn\u00e9es<\/span><\/b><span data-contrast=\"auto\">\u00a0claire, associant juristes, data scientists, m\u00e9tiers et responsables conformit\u00e9.<\/span><span data-ccp-props=\"{&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/li><li aria-setsize=\"-1\" data-leveltext=\"%1.\" data-font=\"\" data-listid=\"9\" data-list-defn-props=\"{&quot;335552541&quot;:0,&quot;335559685&quot;:1080,&quot;335559991&quot;:360,&quot;469769242&quot;:[65533,0],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;%1.&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">D\u00e9velopper une documentation technique et organisationnelle<\/span><\/b><span data-contrast=\"auto\">\u00a0qui pourra \u00eatre utilis\u00e9e comme preuve en cas de contr\u00f4le.<\/span><span data-ccp-props=\"{&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/li><\/ol><p>\u00a0<\/p><p><span data-contrast=\"auto\">Les entreprises qui anticipent ces \u00e9tapes disposeront d\u2019un avantage comp\u00e9titif : elles pourront d\u00e9montrer leur s\u00e9rieux \u00e0 leurs clients, r\u00e9duire les risques de sanctions et am\u00e9liorer la robustesse de leurs syst\u00e8mes. \u00c0 l\u2019inverse, celles qui tardent risquent de devoir effectuer des mises \u00e0 niveau co\u00fbteuses et pr\u00e9cipit\u00e9es.<\/span><span data-ccp-props=\"{&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">Le secteur financier est en premi\u00e8re ligne face \u00e0 l\u2019IA Act. Si cette r\u00e9glementation repr\u00e9sente un effort certain, elle constitue \u00e9galement une opportunit\u00e9 : celle de renforcer la confiance des clients, d\u2019am\u00e9liorer la qualit\u00e9 des mod\u00e8les et de r\u00e9duire les risques juridiques.<\/span><span data-ccp-props=\"{&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">L\u2019IA Act n\u2019est pas seulement une contrainte r\u00e9glementaire : c\u2019est un levier pour b\u00e2tir une finance plus transparente, plus \u00e9quitable et plus r\u00e9siliente.<\/span><span data-ccp-props=\"{&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7c59146 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"7c59146\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/share-eu1.hsforms.com\/1FVSnY_8LSOmS3jyeGpiuvw2disvq?__hstc=252637078.41a43b60e0b0d2d14e565410aeff7d16.1765897678849.1775130464852.1775200088231.104&#038;__hssc=252637078.48.1775200088231&#038;__hsfp=6e7ceac539a099e1cb3c8ee14183bd94\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Parler \u00e0 un expert JEMS<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-75c9ca8 elementor-widget elementor-widget-heading\" data-id=\"75c9ca8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">FAQ \u2013 IA Act et secteur financier \n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-037ae98 elementor-widget elementor-widget-text-editor\" data-id=\"037ae98\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><b><span data-contrast=\"auto\">Quand l\u2019IA Act est-il entr\u00e9 en vigueur et quand s\u2019applique-t-il ?<\/span><\/b><br \/><span data-contrast=\"auto\">Le r\u00e8glement est entr\u00e9 en vigueur le 1er ao\u00fbt 2024. Les interdictions de certaines pratiques s\u2019appliquent depuis f\u00e9vrier 2025. Les r\u00e8gles sur les mod\u00e8les \u00e0 usage g\u00e9n\u00e9ral et la mise en place des autorit\u00e9s nationales sont attendues pour ao\u00fbt 2025. Les obligations centrales pour les syst\u00e8mes \u00e0 haut risque, dont le scoring de cr\u00e9dit et l\u2019\u00e9valuation en assurance, entreront en vigueur en ao\u00fbt 2026.<\/span><span data-ccp-props=\"{&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p><p><b><span data-contrast=\"auto\">Quelles pratiques financi\u00e8res sont interdites par l\u2019IA Act ?<\/span><\/b><br \/><span data-contrast=\"auto\">Le r\u00e8glement interdit, entre-autres, les syst\u00e8mes de notation sociale, certaines pratiques de surveillance biom\u00e9trique de masse ou d\u2019\u00e9valuation \u00e9motionnelle. Dans la finance, cela concerne surtout les cas o\u00f9 des donn\u00e9es personnelles sensibles seraient exploit\u00e9es de mani\u00e8re abusive.<\/span><span data-ccp-props=\"{&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p><p><b><span data-contrast=\"auto\">Qu\u2019est-ce qu\u2019un syst\u00e8me d\u2019IA \u00e0 haut risque dans la finance ?<\/span><\/b><br \/><span data-contrast=\"auto\">Sont consid\u00e9r\u00e9s comme \u00e0 haut risque : le scoring de cr\u00e9dit, l\u2019\u00e9valuation de la solvabilit\u00e9, la tarification en assurance vie et sant\u00e9, ainsi que certains usages li\u00e9s \u00e0 la d\u00e9tection de fraude ou au contr\u00f4le de services essentiels. Ces syst\u00e8mes doivent r\u00e9pondre \u00e0 des obligations renforc\u00e9es de transparence, de supervision et de robustesse.<\/span><span data-ccp-props=\"{&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p><p><b><span data-contrast=\"auto\">Quelles sanctions en cas de non-conformit\u00e9 ?<\/span><\/b><br \/><span data-contrast=\"auto\">Les sanctions pr\u00e9vues peuvent atteindre plusieurs pourcents du chiffre d\u2019affaires, selon la gravit\u00e9 des manquements. Elles s\u2019ajoutent aux risques r\u00e9putationnels et juridiques pour les \u00e9tablissements financiers qui ne respecteraient pas le r\u00e8glement.<\/span><span data-ccp-props=\"{&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p><p data-ccp-border-bottom=\"2px solid #000000\" data-ccp-padding-bottom=\"1.3333333333333333px\"><b><span data-contrast=\"auto\">Comment une banque ou une compagnie d\u2019assurance peut-elle se pr\u00e9parer ?<\/span><\/b><br \/><span data-contrast=\"auto\">La pr\u00e9paration passe par trois \u00e9tapes cl\u00e9s : cartographier les usages existants, mettre en place une gouvernance des donn\u00e9es robuste, et d\u00e9velopper une documentation technique et organisationnelle. Anticiper ces d\u00e9marches d\u00e8s maintenant permet de lisser les co\u00fbts et de renforcer la confiance des clients.<\/span><span data-ccp-props=\"{&quot;335559738&quot;:240,&quot;335559739&quot;:240,&quot;335572079&quot;:12,&quot;335572080&quot;:1,&quot;335572081&quot;:4278190080,&quot;469789806&quot;:&quot;single&quot;}\">\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6837972 elementor-widget elementor-widget-heading\" data-id=\"6837972\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">L\u2019offre JEMS PATH2AI COMPLIANCE\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-505be9e elementor-widget elementor-widget-text-editor\" data-id=\"505be9e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span data-contrast=\"auto\">Se mettre en conformit\u00e9 avec l\u2019IA Act peut sembler complexe, surtout pour les secteurs critiques comme la finance. Chez JEMS, nous avons con\u00e7u\u00a0<\/span><b><span data-contrast=\"auto\">PATH2AI COMPLIANCE<\/span><\/b><span data-contrast=\"auto\">, une approche pragmatique qui permet de :<\/span><span data-ccp-props=\"{&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p><ul><li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"11\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:1080,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">Activer uniquement les briques* dont vous avez besoin, sans d\u00e9marche lourde.<\/span><span data-ccp-props=\"{&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/li><li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"11\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:1080,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">B\u00e9n\u00e9ficier d\u2019une expertise int\u00e9gr\u00e9e juridique, data et IA\u00a0<\/span><span data-ccp-props=\"{&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/li><\/ul><ul><li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"11\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:1080,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"3\" data-aria-level=\"1\"><span data-contrast=\"auto\">Obtenir des livrables concrets d\u00e8s les premi\u00e8res phases : cartographie des usages, grille de maturit\u00e9, roadmap prioris\u00e9e.<\/span><span data-ccp-props=\"{&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/li><\/ul><ul><li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"11\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:1080,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"4\" data-aria-level=\"1\"><span data-contrast=\"auto\">Construire une gouvernance IA adapt\u00e9e \u00e0 votre organisation, qu\u2019elle soit centralis\u00e9e, f\u00e9d\u00e9r\u00e9e ou int\u00e9gr\u00e9e dans vos pratiques DevOps\/MLOps.<\/span><span data-ccp-props=\"{&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/li><\/ul><p>\u00a0<\/p><p><i>*Briques propos\u00e9es\u202f: Audit, Formation, Plan de gouvernance, Cadre normatif, Lignes directrices, Proc\u00e9dures IA, Contr\u00f4les &amp; surpervision, Structuration &amp; outils de gouvernance, Platform Governance Raci Risk (GRC), Audit de conformit\u00e9 d\u00e9di\u00e9 aux IA g\u00e9n\u00e9ratives\u2026\u00a0<\/i>\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-32398da elementor-align-center elementor-widget elementor-widget-button\" data-id=\"32398da\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/decouverte.jems-group.com\/conformite-ai-act\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">D\u00e9couvrir l'offre compl\u00e8te<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-bb906d7 e-flex e-con-boxed e-con e-parent\" data-id=\"bb906d7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-240315d elementor-widget elementor-widget-heading\" data-id=\"240315d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">PLUS DE RESSOURCES<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6a5481f elementor-widget-divider--view-line elementor-widget elementor-widget-global elementor-global-343 elementor-widget-divider\" data-id=\"6a5481f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-43d479f elementor-grid-3 elementor-grid-tablet-2 elementor-grid-mobile-1 elementor-widget elementor-widget-loop-grid\" data-id=\"43d479f\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;template_id&quot;:&quot;12041&quot;,&quot;_skin&quot;:&quot;post&quot;,&quot;columns&quot;:&quot;3&quot;,&quot;columns_tablet&quot;:&quot;2&quot;,&quot;columns_mobile&quot;:&quot;1&quot;,&quot;edit_handle_selector&quot;:&quot;[data-elementor-type=\\&quot;loop-item\\&quot;]&quot;,&quot;row_gap&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;row_gap_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;row_gap_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"loop-grid.post\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-loop-container elementor-grid\" role=\"list\">\n\t\t<style id=\"loop-12041\">.elementor-12041 .elementor-element.elementor-element-64cf36a{--display:flex;--border-radius:16px 16px 0px 16px;box-shadow:0px 0px 55px -30px rgba(0,0,0,0.5);--padding-top:0%;--padding-bottom:5%;--padding-left:0%;--padding-right:0%;}.elementor-12041 .elementor-element.elementor-element-64cf36a:not(.elementor-motion-effects-element-type-background), .elementor-12041 .elementor-element.elementor-element-64cf36a > .elementor-motion-effects-container > .elementor-motion-effects-layer{background-color:var( --e-global-color-f6bd35a );}.elementor-12041 .elementor-element.elementor-element-5f4d684 img{width:100%;height:180px;object-fit:cover;object-position:center center;transition-duration:0.5s;border-radius:016px 016px 0px 0px;}.elementor-12041 .elementor-element.elementor-element-5f4d684:hover img{filter:brightness( 100% ) contrast( 100% ) saturate( 170% ) blur( 0px ) hue-rotate( 0deg );}.elementor-12041 .elementor-element.elementor-element-8a27494 .elementor-heading-title{font-size:21px;font-weight:700;line-height:30px;-webkit-text-stroke-color:#000;stroke:#000;color:#000000;}.elementor-12041 .elementor-element.elementor-element-8a27494{padding:03% 05% 03% 05%;}.elementor-12041 .elementor-element.elementor-element-7444ac3 .elementor-button-content-wrapper{flex-direction:row-reverse;}.elementor-12041 .elementor-element.elementor-element-7444ac3 .elementor-button .elementor-button-content-wrapper{gap:10px;}.elementor-12041 .elementor-element.elementor-element-7444ac3 .elementor-button{font-size:16px;font-weight:700;text-decoration:underline;fill:var( --e-global-color-primary );color:var( --e-global-color-primary );background-color:#02010100;}.elementor-12041 .elementor-element.elementor-element-7444ac3{padding:0px 0px 0px 0px;}\/* Start custom CSS for button, class: .elementor-element-7444ac3 *\/.elementor-12041 .elementor-element.elementor-element-7444ac3 {\r\n    margin-top: auto !important;\r\n}\/* End custom CSS *\/<\/style>\t\t<div data-elementor-type=\"loop-item\" data-elementor-id=\"12041\" class=\"elementor elementor-12041 e-loop-item e-loop-item-14790 post-14790 post type-post status-publish format-standard has-post-thumbnail hentry category-ia\" data-elementor-post-type=\"elementor_library\" data-custom-edit-handle=\"1\">\n\t\t\t<div class=\"elementor-element elementor-element-64cf36a e-flex e-con-boxed e-con e-parent\" data-id=\"64cf36a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5f4d684 elementor-widget elementor-widget-theme-post-featured-image elementor-widget-image\" data-id=\"5f4d684\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"theme-post-featured-image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"800\" height=\"448\" src=\"https:\/\/www.jems-group.com\/wp-content\/uploads\/2025\/10\/IA-Act-methode-1024x574.webp\" class=\"attachment-large size-large wp-image-13367\" alt=\"IA Act m\u00e9thode\" srcset=\"https:\/\/www.jems-group.com\/wp-content\/uploads\/2025\/10\/IA-Act-methode-1024x574.webp 1024w, https:\/\/www.jems-group.com\/wp-content\/uploads\/2025\/10\/IA-Act-methode-300x168.webp 300w, https:\/\/www.jems-group.com\/wp-content\/uploads\/2025\/10\/IA-Act-methode-768x430.webp 768w, https:\/\/www.jems-group.com\/wp-content\/uploads\/2025\/10\/IA-Act-methode-18x10.png 18w, https:\/\/www.jems-group.com\/wp-content\/uploads\/2025\/10\/IA-Act-methode.webp 1456w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8a27494 elementor-widget elementor-widget-theme-post-title elementor-page-title elementor-widget-heading\" data-id=\"8a27494\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"theme-post-title.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\"><a href=\"https:\/\/www.jems-group.com\/en\/actualites\/ai-act-2026-securise-trajectoire-securite\/\">AI Act 2026 : Ce qui a chang\u00e9 depuis janvier et comment s\u00e9curiser sa trajectoire de conformit\u00e9 ?<\/a><\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7444ac3 elementor-align-right elementor-widget elementor-widget-button\" data-id=\"7444ac3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.jems-group.com\/en\/actualites\/ai-act-2026-securise-trajectoire-securite\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Lire l'article<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div data-elementor-type=\"loop-item\" data-elementor-id=\"12041\" class=\"elementor elementor-12041 e-loop-item e-loop-item-12775 post-12775 post type-post status-publish format-standard has-post-thumbnail hentry category-ia\" data-elementor-post-type=\"elementor_library\" data-custom-edit-handle=\"1\">\n\t\t\t<div class=\"elementor-element elementor-element-64cf36a e-flex e-con-boxed e-con e-parent\" data-id=\"64cf36a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5f4d684 elementor-widget elementor-widget-theme-post-featured-image elementor-widget-image\" data-id=\"5f4d684\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"theme-post-featured-image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"800\" height=\"419\" src=\"https:\/\/www.jems-group.com\/wp-content\/uploads\/2026\/03\/PAC-RADAR-JEMS-2026-1024x536.webp\" class=\"attachment-large size-large wp-image-12778\" alt=\"PAC RADAR JEMS 2026\" srcset=\"https:\/\/www.jems-group.com\/wp-content\/uploads\/2026\/03\/PAC-RADAR-JEMS-2026-1024x536.webp 1024w, https:\/\/www.jems-group.com\/wp-content\/uploads\/2026\/03\/PAC-RADAR-JEMS-2026-300x157.webp 300w, https:\/\/www.jems-group.com\/wp-content\/uploads\/2026\/03\/PAC-RADAR-JEMS-2026-768x402.webp 768w, https:\/\/www.jems-group.com\/wp-content\/uploads\/2026\/03\/PAC-RADAR-JEMS-2026-18x9.png 18w, https:\/\/www.jems-group.com\/wp-content\/uploads\/2026\/03\/PAC-RADAR-JEMS-2026.webp 1200w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8a27494 elementor-widget elementor-widget-theme-post-title elementor-page-title elementor-widget-heading\" data-id=\"8a27494\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"theme-post-title.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\"><a href=\"https:\/\/www.jems-group.com\/en\/actualites\/ia-souveraine-un-enjeu-business-reglementaire-et-strategique-pour-les-entreprises-francaises\/\">IA souveraine : un enjeu business, r\u00e9glementaire et strat\u00e9gique pour les entreprises fran\u00e7aises<\/a><\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7444ac3 elementor-align-right elementor-widget elementor-widget-button\" data-id=\"7444ac3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.jems-group.com\/en\/actualites\/ia-souveraine-un-enjeu-business-reglementaire-et-strategique-pour-les-entreprises-francaises\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Lire l'article<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div data-elementor-type=\"loop-item\" data-elementor-id=\"12041\" class=\"elementor elementor-12041 e-loop-item e-loop-item-12897 post-12897 post type-post status-publish format-standard has-post-thumbnail hentry category-rse\" data-elementor-post-type=\"elementor_library\" data-custom-edit-handle=\"1\">\n\t\t\t<div class=\"elementor-element elementor-element-64cf36a e-flex e-con-boxed e-con e-parent\" data-id=\"64cf36a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5f4d684 elementor-widget elementor-widget-theme-post-featured-image elementor-widget-image\" data-id=\"5f4d684\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"theme-post-featured-image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"400\" height=\"263\" src=\"https:\/\/www.jems-group.com\/wp-content\/uploads\/2026\/03\/photo-groupe-int\u00e9rieur-JEMS.webp\" class=\"attachment-large size-large wp-image-12900\" alt=\"photo groupe int\u00e9rieur JEMS\" srcset=\"https:\/\/www.jems-group.com\/wp-content\/uploads\/2026\/03\/photo-groupe-int\u00e9rieur-JEMS.webp 400w, https:\/\/www.jems-group.com\/wp-content\/uploads\/2026\/03\/photo-groupe-int\u00e9rieur-JEMS-300x197.webp 300w, https:\/\/www.jems-group.com\/wp-content\/uploads\/2026\/03\/photo-groupe-int\u00e9rieur-JEMS-18x12.webp 18w\" sizes=\"(max-width: 400px) 100vw, 400px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8a27494 elementor-widget elementor-widget-theme-post-title elementor-page-title elementor-widget-heading\" data-id=\"8a27494\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"theme-post-title.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\"><a href=\"https:\/\/www.jems-group.com\/en\/actualites\/index-egapro-jems-obtient-la-note-de-95-100-pour-2026\/\">Index Egapro : JEMS obtient la note de 95\/100 pour 2026<\/a><\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7444ac3 elementor-align-right elementor-widget elementor-widget-button\" data-id=\"7444ac3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.jems-group.com\/en\/actualites\/index-egapro-jems-obtient-la-note-de-95-100-pour-2026\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Lire l'article<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f81d48b elementor-align-right elementor-widget elementor-widget-button\" data-id=\"f81d48b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.jems-group.com\/en\/actualites\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Explorer nos actualit\u00e9s<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>The European regulation on artificial intelligence, or AI Act, has entered into force on August 1st, 2024. It is the first legal framework aimed at governing the use of AI based on a risk management logic. By categorising AI systems according to their level of danger: from unacceptable risk to high-risk uses, the European Union has chosen a proportionate, yet ambitious, approach.<\/p>","protected":false},"author":4,"featured_media":13360,"comment_status":"closed","ping_status":"open","sticky":false,"template":"elementor_header_footer","format":"standard","meta":{"content-type":"","footnotes":""},"categories":[15],"tags":[],"class_list":["post-13358","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ia"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>IA Act et Finance : Scoring, Risques et Conformit\u00e9 2026 - JEMS<\/title>\n<meta name=\"description\" content=\"Scoring de cr\u00e9dit, tarification assurance, \u00e9valuation des risques : d\u00e9couvrez comment l&#039;IA Act transforme le secteur financier.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.jems-group.com\/en\/news\/ai-and-finance-what-impacts-on-scoring-and-risk-assessment\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"IA Act et Finance : Scoring, Risques et Conformit\u00e9 2026 - 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