{"id":294688,"date":"2024-12-16T11:10:04","date_gmt":"2024-12-16T11:10:04","guid":{"rendered":"https:\/\/www.artefact.com\/?post_type=blog&#038;p=294688"},"modified":"2025-01-02T15:27:42","modified_gmt":"2025-01-02T15:27:42","slug":"ai-for-efficiency-program-transforming-bnp-paribas-commercial-banking-through-ai","status":"publish","type":"blog","link":"https:\/\/www.artefact.com\/br\/blog\/ai-for-efficiency-program-transforming-bnp-paribas-commercial-banking-through-ai\/","title":{"rendered":"Programa IA para Efici\u00eancia : Transformando o banco comercial do BNP Paribas por meio da IA"},"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>Em um contexto em que a inova\u00e7\u00e3o tecnol\u00f3gica est\u00e1 redefinindo os padr\u00f5es de desempenho e efici\u00eancia, o programa 'AI for Efficiency\" do BNP Paribas, desenvolvido em colabora\u00e7\u00e3o com o Artefact, destaca-se como um modelo ambicioso para transformar o banco comercial por meio do artificial intelligence.<\/p>\n<p>Esse projeto demonstra como uma abordagem estruturada e orientada por valores pode n\u00e3o apenas otimizar os processos, mas tamb\u00e9m enfrentar os desafios de um setor em constante evolu\u00e7\u00e3o.<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-2 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--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-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\/ohjAnTsov9E?wmode=transparent&autoplay=0\" width=\"670\" height=\"377\" allowfullscreen allow=\"autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture;\"><\/iframe><\/div><\/div><\/div><\/div><\/div><\/div><\/div><article class=\"fusion-fullwidth fullwidth-box fusion-builder-row-3 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-2 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-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;\"><b>Transformando o banco comercial: IA para efici\u00eancia<\/b><\/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><span style=\"font-weight: 400;\">O programa \u2019AI for Efficiency\u201c do BNP Paribas, desenvolvido com o Artefact, tem como objetivo transformar o setor banc\u00e1rio comercial por meio da IA. Ao se concentrar no desempenho, na efici\u00eancia e na cria\u00e7\u00e3o de valor, esse projeto incorpora uma vis\u00e3o ambiciosa e estruturada da integra\u00e7\u00e3o da IA nos processos banc\u00e1rios.<\/span><\/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;\"><b>Estrutura do programa: Uma abordagem abrangente e pragm\u00e1tica<\/b><\/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><span style=\"font-weight: 400;\">Lan\u00e7ado em seis meses, o \u201cAI for Efficiency\u201d \u00e9 constru\u00eddo sobre tr\u00eas pilares principais: valor, industrializa\u00e7\u00e3o e gerenciamento de riscos. Essas \u00e1reas de foco garantem o uso relevante da IA, ao mesmo tempo em que aderem \u00e0s regulamenta\u00e7\u00f5es e criam um impacto positivo duradouro. Uma \u201cF\u00e1brica\u201d respons\u00e1vel pela industrializa\u00e7\u00e3o garante a sustentabilidade das inova\u00e7\u00f5es, enquanto um centro de excel\u00eancia conduz o programa por meio de quatro \u00e1reas principais: expertise, valor, explora\u00e7\u00e3o e cobertura. Essas \u00e1reas promovem a inova\u00e7\u00e3o, mantendo a consist\u00eancia entre a pesquisa aplicada, o gerenciamento de riscos e a adapta\u00e7\u00e3o tecnol\u00f3gica.<\/span><\/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;\"><b>Casos de uso: Exemplos concretos do impacto da IA<\/b><\/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><span style=\"font-weight: 400;\">O programa inclui v\u00e1rios fluxos de aplicativos de IA:<\/span><\/p>\n<\/div><ul style=\"--awb-iconcolor:var(--awb-color7);--awb-textcolor:var(--awb-color7);--awb-line-height:27.2px;--awb-icon-width:27.2px;--awb-icon-height:27.2px;--awb-icon-margin:11.2px;--awb-content-margin:38.4px;\" class=\"fusion-checklist fusion-checklist-1 fusion-checklist-default type-icons paddingList dark-text\"><li class=\"fusion-li-item\" style=\"\"><span class=\"icon-wrapper circle-no\"><i class=\"fusion-li-icon awb-icon-check\" aria-hidden=\"true\"><\/i><\/span><div class=\"fusion-li-item-content\">\n<p><strong>Fraude: <span style=\"font-weight: 400;\">Os algoritmos de aprendizado de m\u00e1quina analisam os comportamentos dos clientes para identificar anomalias e evitar v\u00e1rios tipos de fraude, como transfer\u00eancias suspeitas.<\/span><\/strong><\/p>\n<\/div><\/li><li class=\"fusion-li-item\" style=\"\"><span class=\"icon-wrapper circle-no\"><i class=\"fusion-li-icon awb-icon-check\" aria-hidden=\"true\"><\/i><\/span><div class=\"fusion-li-item-content\">\n<p><b>Processamento de documentos<\/b><span style=\"font-weight: 400;\">: OCR (Optical Character Recognition, reconhecimento \u00f3ptico de caracteres) e NLP aceleram o processamento de arquivos de clientes, melhorando a velocidade e a qualidade do servi\u00e7o, especialmente para empr\u00e9stimos hipotec\u00e1rios.<\/span><\/p>\n<\/div><\/li><li class=\"fusion-li-item\" style=\"\"><span class=\"icon-wrapper circle-no\"><i class=\"fusion-li-icon awb-icon-check\" aria-hidden=\"true\"><\/i><\/span><div class=\"fusion-li-item-content\">\n<p><b>Assistentes de gera\u00e7\u00e3o<\/b><span style=\"font-weight: 400;\">: Essas ferramentas oferecem solu\u00e7\u00f5es de recupera\u00e7\u00e3o de informa\u00e7\u00f5es em linguagem natural para clientes e funcion\u00e1rios, facilitando as intera\u00e7\u00f5es e a tomada de decis\u00f5es.<\/span><\/p>\n<\/div><\/li><li class=\"fusion-li-item\" style=\"\"><span class=\"icon-wrapper circle-no\"><i class=\"fusion-li-icon awb-icon-check\" aria-hidden=\"true\"><\/i><\/span><div class=\"fusion-li-item-content\">\n<p><b>Marketing e intera\u00e7\u00f5es<\/b><span style=\"font-weight: 400;\">: Os modelos preditivos otimizam as campanhas de marketing e a efic\u00e1cia da resposta \u00e0s consultas dos clientes, garantindo um servi\u00e7o mais personalizado e relevante.<\/span><\/p>\n<\/div><\/li><\/ul><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);\"><blockquote>\n<div class=\"quote\"><strong>\u201c<i>Lideramos o projeto porque ele gera valor, estimado e endossado pelas unidades de neg\u00f3cios, departamentos e validado por especialistas em IA.\u201d<\/i><\/strong><\/div>\n<div class=\"quote-baseline\">J\u00e9r\u00e9mie CORNET VUCKOVIC, Diretor de Consultoria da Artefact<\/div>\n<\/blockquote>\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;\"><b>Principais fatores de sucesso: Valor, industrializa\u00e7\u00e3o e responsabilidade<\/b><\/h2><\/div><ul style=\"--awb-iconcolor:var(--awb-color7);--awb-textcolor:var(--awb-color7);--awb-line-height:27.2px;--awb-icon-width:27.2px;--awb-icon-height:27.2px;--awb-icon-margin:11.2px;--awb-content-margin:38.4px;\" class=\"fusion-checklist fusion-checklist-2 fusion-checklist-default type-icons paddingList dark-text\"><li class=\"fusion-li-item\" style=\"\"><span class=\"icon-wrapper circle-no\"><i class=\"fusion-li-icon awb-icon-check\" aria-hidden=\"true\"><\/i><\/span><div class=\"fusion-li-item-content\">\n<p><strong>1. <b>Foco no valor<\/b><span style=\"font-weight: 400;\">: Cada projeto \u00e9 avaliado com base em seu impacto direto sobre o banco e seus clientes. Isso garante a aloca\u00e7\u00e3o estrat\u00e9gica de recursos e a ado\u00e7\u00e3o de solu\u00e7\u00f5es ideais.<\/span><\/strong><\/p>\n<\/div><\/li><li class=\"fusion-li-item\" style=\"\"><span class=\"icon-wrapper circle-no\"><i class=\"fusion-li-icon awb-icon-check\" aria-hidden=\"true\"><\/i><\/span><div class=\"fusion-li-item-content\">\n<p><strong>2. <b>Industrializa\u00e7\u00e3o<\/b><span style=\"font-weight: 400;\">: A cria\u00e7\u00e3o de uma f\u00e1brica garante que as solu\u00e7\u00f5es desenvolvidas ultrapassem o est\u00e1gio de demonstra\u00e7\u00e3o e sejam integradas de forma sustent\u00e1vel aos processos banc\u00e1rios.<\/span><\/strong><\/p>\n<\/div><\/li><\/ul><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;\"><b>Desafios e pr\u00f3ximos passos: Os desafios da transforma\u00e7\u00e3o sustent\u00e1vel<\/b><\/h2><\/div><ul style=\"--awb-iconcolor:var(--awb-color7);--awb-textcolor:var(--awb-color7);--awb-line-height:27.2px;--awb-icon-width:27.2px;--awb-icon-height:27.2px;--awb-icon-margin:11.2px;--awb-content-margin:38.4px;\" class=\"fusion-checklist fusion-checklist-3 fusion-checklist-default type-icons paddingList dark-text\"><li class=\"fusion-li-item\" style=\"\"><span class=\"icon-wrapper circle-no\"><i class=\"fusion-li-icon awb-icon-check\" aria-hidden=\"true\"><\/i><\/span><div class=\"fusion-li-item-content\">\n<p><b>R\u00e1pida evolu\u00e7\u00e3o tecnol\u00f3gica<\/b><span style=\"font-weight: 400;\">: A IA generativa e os modelos multimodais oferecem perspectivas promissoras, mas exigem monitoramento constante para permanecer na vanguarda<\/span><\/p>\n<\/div><\/li><li class=\"fusion-li-item\" style=\"\"><span class=\"icon-wrapper circle-no\"><i class=\"fusion-li-icon awb-icon-check\" aria-hidden=\"true\"><\/i><\/span><div class=\"fusion-li-item-content\">\n<p><b>Pegada de carbono e custos de energia<\/b><span style=\"font-weight: 400;\">: A redu\u00e7\u00e3o do impacto ambiental dos modelos de IA \u00e9 uma prioridade, principalmente por meio de parcerias com empresas como a Mistral.<\/span><\/p>\n<\/div><\/li><li class=\"fusion-li-item\" style=\"\"><span class=\"icon-wrapper circle-no\"><i class=\"fusion-li-icon awb-icon-check\" aria-hidden=\"true\"><\/i><\/span><div class=\"fusion-li-item-content\">\n<p><b>Desenvolvimento de habilidades<\/b><span style=\"font-weight: 400;\">: O treinamento e a reten\u00e7\u00e3o de talentos s\u00e3o fundamentais para manter altos n\u00edveis de especializa\u00e7\u00e3o e inova\u00e7\u00e3o.<\/span><\/p>\n<\/div><\/li><li class=\"fusion-li-item\" style=\"\"><span class=\"icon-wrapper circle-no\"><i class=\"fusion-li-icon awb-icon-check\" aria-hidden=\"true\"><\/i><\/span><div class=\"fusion-li-item-content\">\n<p><b>Gerenciamento de riscos<\/b><span style=\"font-weight: 400;\">: Aten\u00e7\u00e3o especial \u00e9 dada \u00e0 equidade, transpar\u00eancia e conformidade nas solu\u00e7\u00f5es implementadas.<\/span><\/p>\n<\/div><\/li><\/ul><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);\"><blockquote>\n<div class=\"quote\"><strong>\u201cPara que essa iniciativa perdure nos pr\u00f3ximos dois anos, ela deve ser industrializada. Ela precisa ser totalmente integrada aos processos do banco ou da empresa.\u201d<\/strong><\/div>\n<div class=\"quote-baseline\">Adrien VESTEGHEM, Diretor do Programa de IA do BNP Paribas<\/div>\n<\/blockquote>\n<\/div><\/div><\/div><\/div><\/article><\/p>","protected":false},"excerpt":{"rendered":"<p>Em um contexto em que a inova\u00e7\u00e3o tecnol\u00f3gica est\u00e1 redefinindo os padr\u00f5es de desempenho e efici\u00eancia, o programa \u2019AI for Efficiency\u201c do BNP Paribas, desenvolvido em colabora\u00e7\u00e3o com a Artefact, destaca-se como um modelo ambicioso para a transforma\u00e7\u00e3o da banca comercial por meio da artificial intelligence. Este projeto demonstra como uma abordagem estruturada e orientada para o valor pode n\u00e3o apenas otimizar processos, mas tamb\u00e9m enfrentar os desafios de um setor em constante evolu\u00e7\u00e3o.<\/p>","protected":false},"featured_media":294690,"parent":0,"template":"","meta":{"_acf_changed":false,"ep_exclude_from_search":false},"blog-category":[2995,21930],"blog-language":[2991],"class_list":["post-294688","blog","type-blog","status-publish","has-post-thumbnail","hentry","blog-category-ai-technology","blog-category-finance","blog-language-en"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.artefact.com\/br\/wp-json\/wp\/v2\/blog\/294688","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\/294690"}],"wp:attachment":[{"href":"https:\/\/www.artefact.com\/br\/wp-json\/wp\/v2\/media?parent=294688"}],"wp:term":[{"taxonomy":"blog-category","embeddable":true,"href":"https:\/\/www.artefact.com\/br\/wp-json\/wp\/v2\/blog-category?post=294688"},{"taxonomy":"blog-language","embeddable":true,"href":"https:\/\/www.artefact.com\/br\/wp-json\/wp\/v2\/blog-language?post=294688"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}