{"id":130303,"date":"2024-08-06T04:28:31","date_gmt":"2024-08-06T03:28:31","guid":{"rendered":"https:\/\/www.artefact.com\/?post_type=blog&#038;p=130303"},"modified":"2024-10-29T09:02:19","modified_gmt":"2024-10-29T09:02:19","slug":"credit-agricole-at-ai-for-finance-by-artefact-ai-at-the-heart-of-the-groups-strategy","status":"publish","type":"blog","link":"https:\/\/www.artefact.com\/br\/blog\/credit-agricole-at-ai-for-finance-by-artefact-ai-at-the-heart-of-the-groups-strategy\/","title":{"rendered":"CREDIT AGRICOLE em AI for Finance by Artefact - AI at the Heart of the Group's Strategy (IA no centro da estrat\u00e9gia do grupo)"},"content":{"rendered":"<p><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 fusion-flex-container nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--link_color: var(--awb-color6);--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-background-color:var(--awb-color1);--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:calc( 1440px + 20px );margin-left: calc(-20px \/ 2 );margin-right: calc(-20px \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-0 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:10px;--awb-margin-bottom-large:0px;--awb-spacing-left-large:10px;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:10px;--awb-spacing-left-medium:10px;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:10px;--awb-spacing-left-small:10px;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-1 description\" style=\"--awb-text-color:var(--awb-color5);--awb-text-font-family:&quot;PT Serif&quot;;--awb-text-font-style:normal;--awb-text-font-weight:400;\"><p>C\u00fapula de IA para finan\u00e7as por Artefact - 17 de setembro de 2024 - Paris<\/p>\n<p>Principais aprendizados da discuss\u00e3o entre Aldrick Zappellini, Group Data Director &amp; CDO do Cr\u00e9dit Agricole Group e Alexis Baufine-Ducrocq, Partner at Artefact.<\/p>\n<\/div><\/div><\/div><\/div><\/div><article class=\"fusion-fullwidth fullwidth-box fusion-builder-row-2 fusion-flex-container nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--link_color: var(--awb-color6);--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-background-color:var(--awb-color1);--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-justify-content-center fusion-flex-content-wrap\" style=\"max-width:calc( 1440px + 20px );margin-left: calc(-20px \/ 2 );margin-right: calc(-20px \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-1 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:10px;--awb-margin-bottom-large:0px;--awb-spacing-left-large:10px;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:10px;--awb-spacing-left-medium:10px;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:10px;--awb-spacing-left-small:10px;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-video fusion-youtube\" style=\"--awb-max-width:670px;--awb-max-height:377px;--awb-align-self:center;--awb-width:100%;\"><div class=\"video-shortcode\"><div class=\"fluid-width-video-wrapper\" style=\"padding-top:56.27%;\" ><iframe title=\"Reprodutor de v\u00eddeo do YouTube 1\" src=\"https:\/\/www.youtube.com\/embed\/2bwdWQHTqbg?wmode=transparent&autoplay=0\" width=\"670\" height=\"377\" allowfullscreen allow=\"autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture;\"><\/iframe><\/div><\/div><\/div><div class=\"fusion-title title fusion-title-1 fusion-sep-none fusion-title-text fusion-title-size-two\" style=\"--awb-text-color:var(--awb-color6);--awb-margin-bottom-small:8px;--awb-font-size:30px;\"><h2 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"font-family:&quot;PT Serif&quot;;font-style:normal;font-weight:700;margin:0;letter-spacing:1.6px;font-size:1em;--fontSize:30;line-height:1.47;\">IA no Cr\u00e9dit Agricole<\/h2><\/div><div class=\"fusion-text fusion-text-2\" style=\"--awb-font-size:20px;--awb-line-height:1.6;--awb-letter-spacing:var(--awb-typography4-letter-spacing);--awb-text-transform:var(--awb-typography4-text-transform);--awb-text-color:var(--awb-color5);--awb-text-font-family:var(--awb-typography4-font-family);--awb-text-font-weight:var(--awb-typography4-font-weight);--awb-text-font-style:var(--awb-typography4-font-style);\"><p>A discuss\u00e3o destaca a jornada do banco com a IA, com foco em sua estrutura descentralizada e como a ado\u00e7\u00e3o da IA est\u00e1 sendo abordada em v\u00e1rias entidades. Embora o advento do ChatGPT em novembro de 2022 tenha marcado uma mudan\u00e7a na conscientiza\u00e7\u00e3o p\u00fablica, o Cr\u00e9dit Agricole j\u00e1 estava envolvido com IA bem antes, acelerando seu foco na tecnologia no in\u00edcio de 2023. Em abril de 2023, uma estrat\u00e9gia foi definida, enfatizando a pedagogia, a prote\u00e7\u00e3o data tanto para o banco quanto para seus clientes e a experimenta\u00e7\u00e3o para entender as aplica\u00e7\u00f5es pr\u00e1ticas da IA em um ecossistema descentralizado.<\/p>\n<\/div><div class=\"fusion-title title fusion-title-2 fusion-sep-none fusion-title-text fusion-title-size-two\" style=\"--awb-text-color:var(--awb-color6);--awb-margin-bottom-small:8px;--awb-font-size:30px;\"><h2 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"font-family:&quot;PT Serif&quot;;font-style:normal;font-weight:700;margin:0;letter-spacing:1.6px;font-size:1em;--fontSize:30;line-height:1.47;\">Experimenta\u00e7\u00e3o e dimensionamento estrat\u00e9gico<\/h2><\/div><div class=\"fusion-text fusion-text-3\" style=\"--awb-font-size:20px;--awb-line-height:1.6;--awb-letter-spacing:var(--awb-typography4-letter-spacing);--awb-text-transform:var(--awb-typography4-text-transform);--awb-text-color:var(--awb-color5);--awb-text-font-family:var(--awb-typography4-font-family);--awb-text-font-weight:var(--awb-typography4-font-weight);--awb-text-font-style:var(--awb-typography4-font-style);\"><p>A abordagem do Cr\u00e9dit Agricole \u00e0 experimenta\u00e7\u00e3o envolve a defini\u00e7\u00e3o de regras para garantir uma implementa\u00e7\u00e3o segura e eficiente, avaliando a relev\u00e2ncia comercial e o desempenho das iniciativas de IA. O banco considerou o impacto tecnol\u00f3gico da IA, incluindo a vigil\u00e2ncia contra a depend\u00eancia tecnol\u00f3gica. A fase de experimenta\u00e7\u00e3o, com cerca de 150 a 200 projetos em andamento, n\u00e3o \u00e9 um fim, mas um caminho para aplicativos maiores e escalon\u00e1veis. Isso levou \u00e0 estrat\u00e9gia do banco de dimensionar a IA em n\u00edvel de grupo, fazendo a transi\u00e7\u00e3o r\u00e1pida da prototipagem para casos de uso em escala industrial.<\/p>\n<\/div><div class=\"fusion-title title fusion-title-3 fusion-sep-none fusion-title-text fusion-title-size-two\" style=\"--awb-text-color:var(--awb-color6);--awb-margin-bottom-small:8px;--awb-font-size:30px;\"><h2 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"font-family:&quot;PT Serif&quot;;font-style:normal;font-weight:700;margin:0;letter-spacing:1.6px;font-size:1em;--fontSize:30;line-height:1.47;\">Implanta\u00e7\u00e3o em escala: uma estrutura colaborativa<\/h2><\/div><div class=\"fusion-text fusion-text-4\" style=\"--awb-font-size:20px;--awb-line-height:1.6;--awb-letter-spacing:var(--awb-typography4-letter-spacing);--awb-text-transform:var(--awb-typography4-text-transform);--awb-text-color:var(--awb-color5);--awb-text-font-family:var(--awb-typography4-font-family);--awb-text-font-weight:var(--awb-typography4-font-weight);--awb-text-font-style:var(--awb-typography4-font-style);\"><p>A estrat\u00e9gia, conhecida como \u201cimplanta\u00e7\u00e3o em escala\u201d, visa acelerar as iniciativas de IA, desde a experimenta\u00e7\u00e3o at\u00e9 a industrializa\u00e7\u00e3o. O objetivo principal permanece consistente: alavancar o data e a IA para refor\u00e7ar as rela\u00e7\u00f5es humanas, uma caracter\u00edstica distintiva do modelo de cliente do Cr\u00e9dit Agricole. Isso implica simplificar processos, economizar tempo e concentrar-se em intera\u00e7\u00f5es de alto impacto com o cliente. Ao definir estruturas colaborativas para casos de uso, o banco busca avan\u00e7ar para altos padr\u00f5es industriais, com o envolvimento de seu comit\u00ea executivo (Comex) supervisionando 36 casos espec\u00edficos de uso de IA, cada um patrocinado pela alta administra\u00e7\u00e3o.<\/p>\n<\/div><div class=\"fusion-title title fusion-title-4 fusion-sep-none fusion-title-text fusion-title-size-two\" style=\"--awb-text-color:var(--awb-color6);--awb-margin-bottom-small:8px;--awb-font-size:30px;\"><h2 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"font-family:&quot;PT Serif&quot;;font-style:normal;font-weight:700;margin:0;letter-spacing:1.6px;font-size:1em;--fontSize:30;line-height:1.47;\">Casos de uso e prioridades estrat\u00e9gicas<\/h2><\/div><div class=\"fusion-text fusion-text-5\" style=\"--awb-font-size:20px;--awb-line-height:1.6;--awb-letter-spacing:var(--awb-typography4-letter-spacing);--awb-text-transform:var(--awb-typography4-text-transform);--awb-text-color:var(--awb-color5);--awb-text-font-family:var(--awb-typography4-font-family);--awb-text-font-weight:var(--awb-typography4-font-weight);--awb-text-font-style:var(--awb-typography4-font-style);\"><p>Esses casos de uso s\u00e3o categorizados em fam\u00edlias que se alinham com as prioridades estrat\u00e9gicas do Cr\u00e9dit Agricole, como o aprimoramento de ferramentas colaborativas dentro do banco, a melhoria do suporte ao cliente com supervis\u00e3o humana, a cria\u00e7\u00e3o de conte\u00fado para marketing e comunica\u00e7\u00e3o e o aux\u00edlio a fun\u00e7\u00f5es de middle e back-office, como verifica\u00e7\u00e3o de clientes (KYC) e conformidade ambiental, social e de governan\u00e7a (ESG). Al\u00e9m disso, a IA auxilia as fun\u00e7\u00f5es de controle, melhorando os processos regulat\u00f3rios centrados no cliente, e \u00e9 amplamente adotada no desenvolvimento de TI, especialmente porque a codifica\u00e7\u00e3o \u00e9 uma linguagem com a qual a IA pode ajudar de forma eficiente.<\/p>\n<\/div><div class=\"fusion-title title fusion-title-5 fusion-sep-none fusion-title-text fusion-title-size-two\" style=\"--awb-text-color:var(--awb-color6);--awb-margin-bottom-small:8px;--awb-font-size:30px;\"><h2 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"font-family:&quot;PT Serif&quot;;font-style:normal;font-weight:700;margin:0;letter-spacing:1.6px;font-size:1em;--fontSize:30;line-height:1.47;\">Enfrentando os desafios: habilidades, custos e ado\u00e7\u00e3o<\/h2><\/div><div class=\"fusion-text fusion-text-6\" style=\"--awb-font-size:20px;--awb-line-height:1.6;--awb-letter-spacing:var(--awb-typography4-letter-spacing);--awb-text-transform:var(--awb-typography4-text-transform);--awb-text-color:var(--awb-color5);--awb-text-font-family:var(--awb-typography4-font-family);--awb-text-font-weight:var(--awb-typography4-font-weight);--awb-text-font-style:var(--awb-typography4-font-style);\"><p>Ao enfrentar desafios como o dom\u00ednio de novas habilidades, gerenciamento de custos e ado\u00e7\u00e3o, o Cr\u00e9dit Agricole enfatiza a colabora\u00e7\u00e3o multidisciplinar e a acultura\u00e7\u00e3o cont\u00ednua em todos os n\u00edveis. O banco tamb\u00e9m prioriza a constru\u00e7\u00e3o de uma base tecnol\u00f3gica que se alinhe aos desenvolvimentos de IA em r\u00e1pida evolu\u00e7\u00e3o, mantendo os padr\u00f5es de seguran\u00e7a e gerenciamento de riscos.<\/p>\n<\/div><div class=\"fusion-title title fusion-title-6 fusion-sep-none fusion-title-text fusion-title-size-two\" style=\"--awb-text-color:var(--awb-color6);--awb-margin-bottom-small:8px;--awb-font-size:30px;\"><h2 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"font-family:&quot;PT Serif&quot;;font-style:normal;font-weight:700;margin:0;letter-spacing:1.6px;font-size:1em;--fontSize:30;line-height:1.47;\">IA respons\u00e1vel e considera\u00e7\u00f5es ambientais<\/h2><\/div><div class=\"fusion-text fusion-text-7\" style=\"--awb-font-size:20px;--awb-line-height:1.6;--awb-letter-spacing:var(--awb-typography4-letter-spacing);--awb-text-transform:var(--awb-typography4-text-transform);--awb-text-color:var(--awb-color5);--awb-text-font-family:var(--awb-typography4-font-family);--awb-text-font-weight:var(--awb-typography4-font-weight);--awb-text-font-style:var(--awb-typography4-font-style);\"><p>Com a IA generativa, o banco pretende aprimorar as fun\u00e7\u00f5es humanas e, ao mesmo tempo, garantir a responsabilidade ambiental, considerando n\u00e3o apenas a efici\u00eancia de custos, mas tamb\u00e9m o consumo de energia e a aloca\u00e7\u00e3o de recursos. \u00c0 medida que a IA generativa evolui, o foco pode mudar do aumento da pot\u00eancia do modelo para a simplifica\u00e7\u00e3o das intera\u00e7\u00f5es do usu\u00e1rio e a obten\u00e7\u00e3o de resultados coerentes e confi\u00e1veis. O futuro da IA no Cr\u00e9dit Agricole pode se concentrar em contextos de conversa\u00e7\u00e3o, mantendo uma abordagem equilibrada do lugar da IA no gerenciamento de informa\u00e7\u00f5es e nas opera\u00e7\u00f5es di\u00e1rias.<\/p>\n<\/div><\/div><\/div><\/div><\/article><\/p>","protected":false},"excerpt":{"rendered":"<p>Principais aprendizados da discuss\u00e3o entre Aldrick Zappellini, Group Data Director &amp; CDO do Cr\u00e9dit Agricole Group e Alexis Baufine-Ducrocq, Partner at Artefact.<\/p>","protected":false},"featured_media":130304,"parent":0,"template":"","meta":{"_acf_changed":false,"ep_exclude_from_search":false},"blog-category":[21930],"blog-language":[2991],"class_list":["post-130303","blog","type-blog","status-publish","has-post-thumbnail","hentry","blog-category-finance","blog-language-en"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.artefact.com\/br\/wp-json\/wp\/v2\/blog\/130303","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.artefact.com\/br\/wp-json\/wp\/v2\/blog"}],"about":[{"href":"https:\/\/www.artefact.com\/br\/wp-json\/wp\/v2\/types\/blog"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.artefact.com\/br\/wp-json\/wp\/v2\/media\/130304"}],"wp:attachment":[{"href":"https:\/\/www.artefact.com\/br\/wp-json\/wp\/v2\/media?parent=130303"}],"wp:term":[{"taxonomy":"blog-category","embeddable":true,"href":"https:\/\/www.artefact.com\/br\/wp-json\/wp\/v2\/blog-category?post=130303"},{"taxonomy":"blog-language","embeddable":true,"href":"https:\/\/www.artefact.com\/br\/wp-json\/wp\/v2\/blog-language?post=130303"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}