{"id":78807,"date":"2022-05-16T14:56:00","date_gmt":"2022-05-16T14:56:00","guid":{"rendered":"https:\/\/fr.cryptonews.com\/?p=78807"},"modified":"2023-06-26T11:10:40","modified_gmt":"2023-06-26T11:10:40","slug":"rpa-blockchain-et-ia-lavenir-de-lassurance","status":"publish","type":"post","link":"https:\/\/cryptonews.com\/fr\/exclusives\/rpa-blockchain-et-ia-lavenir-de-lassurance\/","title":{"rendered":"RPA, blockchain et intelligence artificielle: l\u2019avenir de l\u2019assurance?"},"content":{"rendered":"<p class=\"wp-block-paragraph\"><i>Cet article est sign&eacute; <strong>Jean Langlois-Berthelot<\/strong>, enseignant &agrave; SciencesPo et <strong>Marc-Olivier Boisset<\/strong>, sp&eacute;cialiste en cybers&eacute;curit&eacute;.<\/i><\/p><p><strong>Cet article propose une synth&egrave;se d&rsquo;une conf&eacute;rence effectu&eacute;e devant des cadres de l&rsquo;assurance le 12 Mai 2022 &agrave; Neuilly-sur-Seine<\/strong><\/p><p>Le domaine de l&rsquo;assurance est l&rsquo;objet de transformations profondes. Plusieurs technologies risquent de changer durablement les m&eacute;tiers de ce secteur. Parmi ces technologies nous en identifions trois principales la RPA (<i>Robotic Process Automation<\/i>), la Blockchain et l&rsquo;Intelligence Artificielle.<\/p><figure class=\"image\"><img decoding=\"async\" src=\"https:\/\/cimg.co\/news\/78807\/193967\/rpa.jpeg\" alt=\"\" srcset=\"https:\/\/cimg.co\/news\/78807\/193967\/responsive-images\/rpa___media_library_original_900_450.jpeg 900w, https:\/\/cimg.co\/news\/78807\/193967\/responsive-images\/rpa___media_library_original_720_360.jpeg 720w, https:\/\/cimg.co\/news\/78807\/193967\/responsive-images\/rpa___media_library_original_600_300.jpeg 600w, https:\/\/cimg.co\/news\/78807\/193967\/responsive-images\/rpa___media_library_original_300_150.jpeg 300w\" sizes=\"100vw\" width=\"900\" class=\"content-img\"><figcaption>Photo: Adobe Stock<\/figcaption><\/figure><p>Avant tout chose, prenons le contre-pied de la croyance commune qui voudrait que les nouvelles technologies remplaceront les humains en rendant certaines t&acirc;ches automatis&eacute;es dans le domaine de l&rsquo;assurance. En r&eacute;alit&eacute;, ces nouvelles technologies sont avant tout de nouveaux outils mis &agrave; disposition des assureurs et permettant efficacit&eacute; et rendement.<\/p><p>Aborder le r&ocirc;le que sont susceptibles de jouer 3 technologies dans le domaine de l&rsquo;assurance, c&rsquo;est se poser plusieurs questions de premi&egrave;re importance&nbsp;:<\/p><ul><li>Comment les routines de travail vont-elles &eacute;voluer avec ces technologies&nbsp;?<\/li><li>Quelles seront les t&acirc;ches qui seront confi&eacute;es aux collaborateurs&nbsp;?<\/li><li>La formation et l&rsquo;emploi dans le domaine de l&rsquo;assurance devront-t-ils &eacute;voluer afin de s&rsquo;adapter&nbsp;?<\/li><\/ul><p>Nous traitons naturellement ces grandes questions pour chacune des trois technologies.<\/p><h3><strong>La RPA et l&rsquo;assurance<\/strong><\/h3><p>La RPA permet gr&acirc;ce &agrave; des logiciels d&eacute;di&eacute;s une automatisation de certaines t&acirc;ches r&eacute;p&eacute;titives. Pour le moment les t&acirc;ches qui peuvent &ecirc;tre ainsi automatis&eacute;es sont encore limit&eacute;es. On peut penser par exemple &agrave; des t&acirc;ches comme la reconnaissance et la cat&eacute;gorisation des types de sinistre et la redirection vers le service <i>ad&rsquo;hoc<\/i>.<\/p><p>Avec la RPA un certains nombres de t&acirc;ches simples et r&eacute;p&eacute;titives peuvent donc &ecirc;tre automatis&eacute;es. En terme d&rsquo;emploi et de formation il s&rsquo;agit des m&ecirc;mes transformations que ce qu&rsquo;on peut observer d&eacute;j&agrave; dans le domaine de la comptabilit&eacute; avec un potentiel important de remplacement des emplois les moins qualifi&eacute;s de la hi&eacute;rarchie comptable.<\/p><h3><strong>Blockchain et assurance<\/strong><\/h3><p>La Blockchain est ind&eacute;niablement une technologie de rupture. Elle offre d&rsquo;importantes applications pour les assureurs. Quelles sont justement ces applications&nbsp;?<\/p><p>Tout d&rsquo;abord, une des applications les plus &eacute;videntes est &eacute;vidents les<i> smart contracts. <\/i>Avec les <i>smart contracts<\/i>, on peut penser &agrave; des programmes autonome qui peuvent ex&eacute;cuter, de mani&egrave;re automatique, des actions pr&eacute;d&eacute;finis en fonction d&rsquo;un certains nombres de conditions d&eacute;cid&eacute;es &agrave; l&rsquo;avance. Concr&egrave;tement cela signifierait que dans le cas d&rsquo;une attaque cyber, par exemple, si les conditions de s&eacute;curit&eacute; informatique ont &eacute;t&eacute; respect&eacute;es, alors un remboursement sera mis en place. A la Blockchain des <i>smart contracts<\/i> pourra donc &ecirc;tre associ&eacute;es des dispositifs de pr&eacute;l&egrave;vements de donn&eacute;es utilisant l&rsquo; <i>IoT.<\/i><\/p><h3><strong>L&rsquo;IA au service de l&rsquo;assurance&nbsp;?<\/strong><\/h3><p>L&rsquo;IA a une importance grandissante dans le domaine de l&rsquo;assurance. Un grand nombre d&rsquo;applications de l&rsquo;IA peuvent &ecirc;tre directement utile au secteur de l&rsquo;assurance. Sans chercher l&rsquo;exhaustivit&eacute;, tentons n&eacute;anmoins de mettre en exergue les grandes applications que l&rsquo;on constate d&eacute;j&agrave; dans le secteur et qui vont n&eacute;cessairement se g&eacute;n&eacute;raliser. Pour &ecirc;tre tout a fait pr&eacute;cis l&rsquo;IA est ici principalement du <i>machine-learning<\/i>.<\/p><p>Le <i>machine-learning<\/i> permet un traitement syst&eacute;matique des data clients et permet donc une meilleure caract&eacute;risation des solutions &agrave; apporter. C&rsquo;est &agrave; la fois une solution pour le suivi des dossiers clients mais &eacute;galement pour personnalisation des offres.<\/p><p>Le <i>machine-learning<\/i> permet &eacute;galement de d&eacute;tecter des comportements inhabituels par rapports &agrave; des patterns pr&eacute;d&eacute;finis. Ces comportements inhabituels pouvant &ecirc;tre potentiellement frauduleux, il est int&eacute;ressant de pouvoir compter sur des outils d&eacute;di&eacute;s.<\/p><p>Pour conclure, la RPA, l&rsquo;IA et la Blockchain sont en mesure de transformer profond&eacute;ment les pratiques et services de l&rsquo;assurance. C&rsquo;est aux assureurs de mesurer l&rsquo;opportunit&eacute; de faire entrer ces technologies d&egrave;s maintenant dans leurs pratiques et\/ou d&rsquo;attendre les retours de leurs concurrents et d&rsquo;en tirer des le&ccedil;ons.<\/p><h3><strong>Suivez nos liens d&rsquo;affili&eacute;s:<\/strong><\/h3><ul><li><strong>Pour acheter des cryptomonnaies en Zone SEPA, Europe et citoyens fran&ccedil;ais<\/strong>, visitez <a target=\"_blank\" rel=\"noopener \" href=\"https:\/\/www.coinhouse.com\/r\/179207\">Coinhouse<\/a><\/li><li><strong>Pour acheter des cryptomonnaies au Canada<\/strong>, visitez <a target=\"_blank\" rel=\"noopener  sponsored nofollow\" href=\"https:\/\/rapi.cryptonews.com\/ext\/bitbuy\/fr\">Bitbuy<\/a><\/li><li><strong>Pour g&eacute;n&eacute;rer des int&eacute;r&ecirc;ts gr&acirc;ce &agrave; vos bitcoins<\/strong>, allez sur le site de <a target=\"_blank\" rel=\"noopener \" href=\"https:\/\/blockfi.mxuy67.net\/kqG6x\">BlockFi<\/a><\/li><li><strong>Pour s&eacute;curiser ou stocker vos cryptomonnaies<\/strong>, procurez-vous les portefeuilles <a target=\"_blank\" rel=\"noopener \" href=\"https:\/\/shop.ledger.com\/?r=12b53b98a1c0&amp;tracker=CN-FR\">Ledger<\/a> ou <a target=\"_blank\" rel=\"noopener \" href=\"https:\/\/shop.trezor.io\/?offer_id=82&amp;aff_id=1814\">Trezor<\/a><\/li><li><strong>Pour transiger vos cryptos de fa&ccedil;on anonyme<\/strong>, installez l&rsquo;application <a target=\"_blank\" rel=\"noopener \" href=\"https:\/\/go.nordvpn.net\/aff_c?offer_id=252&amp;aff_id=54152&amp;url_id=14818\">NordVPN<\/a><\/li><\/ul><p><strong>Pour investir dans le minage de cryptomonnaies ou les masternodes:<\/strong><\/p><ul><li><a target=\"_blank\" rel=\"noopener \" href=\"https:\/\/feel-mining.com\/?tracking=1ED831AFAB\">Feel Mining<\/a><\/li><li><a target=\"_blank\" rel=\"noopener \" href=\"https:\/\/www.just-mining.com\/register?sponsor=aNJ7nRa0m3qvgi6LkMXAZX506\">Just Mining<\/a><\/li><\/ul><p><strong>Pour accumuler des cryptos en jouant :<\/strong><\/p><ul><li>Au poker sur la plateforme de jeux <a target=\"_blank\" rel=\"noopener \" href=\"https:\/\/coinpoker.com\/crypto\">CoinPoker<\/a><\/li><li>&Agrave; un fantasy football mondial sur la plateforme <a target=\"_blank\" rel=\"noopener \" href=\"https:\/\/sorare.pxf.io\/c\/2102999\/902742\/12209\">Sorare<\/a><\/li><\/ul><p>Restez inform&eacute; gr&acirc;ce &agrave; <a target=\"_blank\" rel=\"noopener \" href=\"https:\/\/www.getrevue.co\/profile\/CryptonewsFR\"><strong>notre newsletter hebdomadaire gratuite<\/strong><\/a><strong> <\/strong>et &agrave; nos r&eacute;seaux sociaux:<\/p><ul><li><a target=\"_blank\" rel=\"noopener \" href=\"https:\/\/twitter.com\/cryptonews_FR\"><strong>Twitter<\/strong><\/a><strong>&nbsp;<\/strong><\/li><li><a target=\"_blank\" rel=\"noopener \" href=\"https:\/\/t.me\/cryptonews_FR\"><strong>Telegram<\/strong><\/a><\/li><li><a target=\"_blank\" rel=\"noopener \" href=\"https:\/\/www.linkedin.com\/company\/11745115\"><strong>LinkedIn<\/strong><\/a><\/li><\/ul>","protected":false},"excerpt":{"rendered":"<p>Cet article est sign&eacute; Jean Langlois-Berthelot, enseignant &agrave; SciencesPo et Marc-Olivier Boisset, sp&eacute;cialiste en cybers&eacute;curit&eacute;.Cet article propose une synth&egrave;se d&rsquo;une conf&eacute;rence effectu&eacute;e devant des cadres de l&rsquo;assurance le 12 Mai 2022 &agrave; Neuilly-sur-SeineLe domaine de l&rsquo;assurance est l&rsquo;objet de transformations profondes. Plusieurs technologies risquent de changer durablement les m&eacute;tiers de ce secteur. Parmi ces technologies [&hellip;]<\/p>\n","protected":false},"author":32,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[2,4],"tags":[85],"editors":[1465,1851],"sponsored_companies":[],"class_list":["post-78807","post","type-post","status-publish","format-standard","hentry","category-exclusives","category-opinions","tag-blockchain","editors-jean-langlois-berthelot","editors-marc-olivier-boisset"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>RPA, blockchain et intelligence artificielle: l\u2019avenir de l\u2019assurance?<\/title>\n<meta name=\"description\" content=\"Le domaine de l\u2019assurance est l\u2019objet de transformations profondes. 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