Florent Buiret

Payment processing remains more than ever at the heart of the #BNPParibas European strategy for offering digitalized journey, value added services to retail & corporate customers and marchants.

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Joint work with Maxime Phillot on how question ordering affects survey-based inflation forecasts. We investigate whether forecast inconsistencies—the discrepancies between point and density forecasts—as well as forecast accuracy change significantly depending on whether the point forecast or the density forecast is asked first. We find that forecast inconsistencies are sizable and order matters. Density forecasts seem to be less affected by question ordering than point forecasts and more accurate than point forecasts. Published in the International Journal of Central Banking: Order Matters: An Experimental Study on How Question Ordering Affects Survey-Based Inflation Forecasts

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Two great days around Data: experts, users, businesses gathered to share our Data-driven priorities for 2025 BNP Paribas Personal Finance For once, I was not on stage to talk about GenAI, but to share with Agustina Rosenfeld and Carlos Fialho our concrete action plan to implement responsible AI and to align to AI Act standards 🇪🇺

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Quotes du jour by Emmanuel Macron: “The EU could die, we are on a verge of a very important moment[...]” “Our former model is over. We are overregulating and underinvesting. In the two to three years to come, if we follow our classical agenda, we will be out of the market[…]” “If we want clearly to be more competitive and have our place in this multipolar order first we need a simplification shock[…]” ”And I have a suggestion, when both U.S. and China do not respect the rules, we should not be the only one in the room to just abide the rules. This doesn't fly.” Hopefully, #Macron, #Draghi and #Letta are at the forefront of a fundamental change in how #Europe operates, regulates and competes, in a rapidly changing world, where dependencies overnight turn into vulnerabilities. #eu #europa #europe #europeanunion #usa #china #worldorder #regulation #investment #competitiveness #capitalmarkets #singlemarket #integration Links in comments.

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Check out how we work with Open Banking data to provide insights on affordability!

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Olivier Pinot presents the strategy of BPCE Payment Services in the field of #softPOS during the event organized by Cartes Bancaires CB Among the key ideas : ✔️Since 2015, BPCE is interested in the evolution of payment terminals : the "Dilizi" initiative testifies to this strategy ✔️BPCE was among the first banks in France to launch Apple Pay, and launched very early the Android terminals ✔️The solution "Tap to Pay" in iPhone is dedicated to small merchants who don't have the possibility to use mPOS solutions anymore PARTELYA CONSULTING European Women Payments Network (EWPN) AEFI Asociación Española de FinTech e InsurTech CLUB ITALIE-FRANCE AFTE Finance Mag The PAYTECH Book Portuguese Women in Tech Merchant Payments Ecosystem

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Very interesting.... we need new MP tools for DeFi?

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🌱[#ImpactReport] | Would you like to give meaning to your investments and measure their impact with concrete metrics?   We are currently facing a shift of #investmentparadigm and for Amundi, measurability is the key to impact investing, alongside clear impact objectives and continuous dialogue with issuers.   This means that we must: 🔹 Take into account social and #environmentalimpact; meaning a major transformation of our practices, with an inevitable change in mindsets. 🔹 Provide transparent and concrete information on the use of your investments with annual impact reports. 🔹 Help you better understand the different approaches in tackling environmental and social challenges.   👉 Discover our range of #impactinvesting offerings: ⤵︎ https://lnkd.in/eEKdcnNr

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Great leadership starts with self-awareness! It empowers leaders to understand their strengths, recognize their weaknesses, and see the impact they have on others. This awareness drives better decision-making, fosters stronger relationships, and enhances communication. Emotionally intelligent leaders manage their emotions effectively, empathizing with their team and improving dynamics. They adapt strategies to different situations, showing flexibility and resilience. Their commitment to personal growth and openness to feedback inspires continuous improvement in themselves and their teams. Remember, self-awareness is the cornerstone of effective leadership, driving authenticity, trust, and success. Start your week by looking inward and leading with self-awareness! #leaders #effectiveleader #effectiveleadership #trueleadership #trueleader Image: Instagram

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Life is Like an Iceberg In life and success, we only see the tip of the iceberg—the visible achievements. Beneath the surface are the real efforts: countless hours of hard work, resilience, and determination. Reflecting on any journey, it’s clear that unseen efforts are key. Solving problems, finding the right people to work with, offering flexible solutions, and learning from failure are essential for growth. Remember, success comes from small, daily efforts that often go unnoticed. Celebrate your progress, no matter how slow. Each step forward is growth. Let’s support each other, knowing there’s always more beneath the surface. Keep pushing, keep believing, and remember: You were born to dare! #Motivation #Success #Persistence #IcebergPrinciple #GrowthMindset Image: Instagram

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[Client Case: BNP Paribas 🏦] Discover how Artefact helped BNP Paribas deploy its AI Efficiency program to accelerate the #transformation of the French Retail Bank. 🎥 Watch the video #testimonial: https://lnkd.in/esrHQ27i 🗣 "With a program of this scale, we can expect to see an increase of 10-15% on the bottom line. The use of #generativeAI technologies has been particularly important because it helped us with our users and sponsors, not only to explain things, but also for #adoption," says Adrien Vesteghem, Director of the AI Center of Excellence and AI Program for Efficiency at BNP Paribas The BCEF (Banque Commerciale En France) is an entity of the BNP Paribas Group that is a leading global #financialinstitution, offering a comprehensive range of banking, investment, and financial services, renowned for its strong international presence and commitment to sustainable and innovative #bankingsolutions. 💡 To launch its AI #acceleration program, BNP Paribas turned to Artefact’s teams of experts to help them build an #AIFactory. "The AI Factory is a response to our desire to move beyond the concept and PoC phases and to be able to generate value rapidly, securely and reliably by integrating with our information system," says Anne-Sophie Bourdet, Data & AI Leader – AI Factory Director at BNP Paribas. The BCEF entity needed to offer robust and secure environments to industrialize the solutions developed by their data scientists. These are new requirements in terms of infrastructure (GPU) and foundation, to enable them to achieve the right level of end-to-end industrialization, while keeping their costs under control. 👉 Read the entire case study: https://lnkd.in/gQ-AY6Ja Joffrey Martinez, Partner & Global Financial Services Lead at Artefact, notes: "To industrialize topics around GenAI, 3 major themes must be addressed: 1️⃣ #Architecture optimization to control cost, customer experience and quality; 2️⃣ Value #steering for the priorization of different use cases; 3️⃣ #Organization to ensure sustainable diffusion of these transformation projects within the company. 🎯 Artefact worked extensively with BNP Paribas on deploying AI and GenAI use cases with significant advances in #frauddetection and improved #customerexperience.  Jerome Lhuillery, Data Science Lead – AI Center of Excellence at BNP Paribas, mentions: “We’re also using a lot of GenAI to experiment with #LLMs to provide more effective responses to clients and help our advisors work better every day.” Adrien Vesteghem concludes: "We chose #Artefact for the quality of their offering, the clarity of their vision, and the depth of skills they provide to us in these #AI acceleration programs."

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📊 **DATA GOVERNANCE: Registration of Data Intermediation Service Providers** 📝 The first French data intermediaries have registered with the European Commission: Agdatahub, Hub One DataTrust, and MiTrust are now listed in the European register of data intermediation services. 🇪🇺 🔍 In accordance with the Data Governance Regulation, they have notified their activity to Arcep, which can now verify their compliance with the obligations of the text, including the exclusive use of processed data for their provision to users. 🛡 🏆 This will enable them to obtain the label "data intermediation service provider recognized in the Union," ensuring their recognition within the EU. 🌍 #DataGovernance #Interoperability #Registry #Arcep #DataProtection #EuropeanUnion

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🛡️ **CNIL Recommendations on Artificial Intelligence** The French National Commission on Informatics and Liberty (CNIL) has released its first set of recommendations aimed at guiding professionals in the responsible and ethical development of artificial intelligence (AI) systems. 📋 **Key Points of the Recommendations**: - **Balancing Innovation & Respect for Rights**: The recommendations aim to balance technological innovation with respect for individuals' rights, particularly concerning the General Data Protection Regulation (GDPR). - **Legal Clarification**: Following a public consultation in May 2023, the CNIL has worked to clarify the legal framework for AI, especially for generative AI systems. - **Privacy Protection Challenges**: The CNIL emphasizes that responsible AI system development is possible while ensuring privacy protection and respecting European values. 📝 **Detailed Recommendations**: - Determine the applicable legal regime - Define a purpose - Legal qualification of actors - Establish a legal basis - Tests and checks for data reuse - Conduct an impact analysis if necessary - Integrate data protection from the design stage - Consider data protection in data collection and management 📘 **Summary of Recommendations**: The CNIL also provides a summary to recall the fundamental principles and facilitate their application by stakeholders involved in AI projects. 🔗 [Link to CNIL's AI Recommendations](https://lnkd.in/essSCdyQ) #CNIL #AI #GDPR #DataProtection #Ethics #ResponsibleDevelopment

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How can #Europe (re)claim its #Digital #Sovereignty ? Valuable considerations by panelists Clara Chappaz, Emmanuelle Ghislain, Héloïse Rozès, Bart BECKS and Nathanael Ackerman : - go big or go home in the digital world, - regulation can help for a level playing field but by itself will not attract talent or capital - in a fragmented job market in Europe, make sure the competition for talent is fair by implementing appropriate framework for attractive remuneration schemes - same can be said to create as deep a capital pool as possible, as it remains the key lever to build the digital infrastructure and solutions Europe needs to remain innovative Out of one of the key introduction talks by Prof. Dr. Bruno Colmant, CFA, FRM, I noted « better be a employee at Nvidia, Alphabet or Meta than working at a bank in the future» Fun fact coming from a former banker, though I am pretty sure my peers and I will adapt to the new digital era unfolding. As bankers always did in the past (r)evolutions 😉 At Flagey today, Brussels is definitely the beating heart of Digital Europe. 🇪🇺 An initiative of La French Tech Brussels, well done Samuel Profumo and his team 👍🏻

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In Groupe BPCE headquarters in Paris for the conference about embedded payments organized by Xpollens. With Delphine Selman Berthon Jacques-Olivier Schatz Olivier Binet and Guillaume Maigre Among the key ideas : ✔️Xpollens is specialized in BaaS and targets neobanks and corporates thanks to a solution based on API ✔️Bridge is specialized in open banking and aims at developing open finance to the benefit of analyzis and payments (e-invoicing, e-commerce, management of wallet, factory, recovery...) ✔️BaaS and open banking are developing in the payments ecosystem... ✔️... There is a strong need of partnerships and consolidation ✔️The main trends are "payment is everywhere", "open data is king" ; the drivers are e-invoicing, compliance, instant... ; and the benefits are the development of revenue and the reduction of costs Thank you to Xpollens and Groupe BPCE for the invitation #payments #innovation #finance PARTELYA CONSULTING European Women Payments Network (EWPN) AEFI Asociación Española de FinTech e InsurTech AFIP - FinTech and InsurTech Portugal CLUB ITALIE-FRANCE AFTE Finance Mag The PAYTECH Book Portuguese Women in Tech Merchant Payments Ecosystem

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𝗗𝗼 𝘆𝗼𝘂 𝗸𝗻𝗼𝘄 𝘁𝗵𝗲 𝗿𝗲𝗮𝗹 𝗯𝗲𝗻𝗲𝗳𝗶𝘁𝘀 𝗼𝗳 𝗗𝗶𝘀𝘁𝗿𝗶𝗯𝘂𝘁𝗲𝗱 𝗟𝗲𝗱𝗴𝗲𝗿 𝗧𝗲𝗰𝗵𝗻𝗼𝗹𝗼𝗴𝘆 (𝗼𝗿 𝗗𝗟𝗧)? Come and learn more about blockchain-based solutions and their first use cases at the roundtable, which will be attended by Laurent MAJCHRZAK at the #𝗔𝗠𝗧𝗲𝗰𝗵𝗗𝗮𝘆 2024.

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