{"id":41429,"date":"2024-02-28T09:21:03","date_gmt":"2024-02-28T08:21:03","guid":{"rendered":"https:\/\/www.accuracy.com\/?p=41429"},"modified":"2025-02-20T14:28:58","modified_gmt":"2025-02-20T13:28:58","slug":"finbox-une-solution-numerique-pour-la-gestion-integree-des-finances-et-des-risques","status":"publish","type":"post","link":"https:\/\/www.accuracy.com\/fr\/finbox-a-digital-solution-for-integrated-financial-and-risk-management\/","title":{"rendered":"Finbox - une solution num\u00e9rique pour la gestion int\u00e9gr\u00e9e des finances et des risques"},"content":{"rendered":"<p>Ces derni\u00e8res ann\u00e9es, les banques traditionnelles se sont empress\u00e9es d'adopter des solutions Fintech pour transformer leurs op\u00e9rations bancaires. L'un des moteurs de cette tendance a \u00e9t\u00e9 la mise en \u0153uvre de plusieurs nouvelles exigences r\u00e9glementaires en mati\u00e8re de tests de r\u00e9sistance, notamment celles requises par l'Autorit\u00e9 bancaire europ\u00e9enne (ABE) et celles li\u00e9es aux tests de r\u00e9sistance au risque climatique \u00e0 l'\u00e9chelle mondiale. Un autre facteur a \u00e9t\u00e9 la complexit\u00e9 et l'incertitude croissantes de l'\u00e9conomie mondiale, qui ont conduit \u00e0 la n\u00e9cessit\u00e9 d'une solution int\u00e9gr\u00e9e d'analyse financi\u00e8re et de risque capable de g\u00e9n\u00e9rer des informations beaucoup plus rapidement que par le pass\u00e9 (c'est-\u00e0-dire en quelques heures plut\u00f4t qu'en un \u00e0 deux mois, comme c'est le cas dans les pratiques existantes des banques traditionnelles).<\/p>\n<p>Dans ce contexte, Accuracy a d\u00e9velopp\u00e9 sa propre solution num\u00e9rique - Finbox - pour l'analyse int\u00e9gr\u00e9e de la gestion financi\u00e8re et du risque afin d'\u00e9clairer la prise de d\u00e9cision strat\u00e9gique et critique \u00e0 l'\u00e9chelle de la banque. Cette solution a fait ses preuves et a \u00e9t\u00e9 adopt\u00e9e par de grandes institutions financi\u00e8res.<\/p>\n<h3>R\u00e9pondre aux besoins d\u00e9fensifs et offensifs<\/h3>\n<p>En tant que solution tout-en-un, Finbox r\u00e9pond aux besoins d\u00e9fensifs des banques et autres institutions financi\u00e8res, tout en apportant un soutien pr\u00e9cieux \u00e0 la mise en \u0153uvre de strat\u00e9gies offensives. En utilisant Finbox, les organisations peuvent anticiper de mani\u00e8re proactive les conditions du march\u00e9, prendre des d\u00e9cisions commerciales rapides, optimiser l'allocation du budget et g\u00e9rer efficacement les risques, m\u00eame pendant les p\u00e9riodes de conditions de march\u00e9 extr\u00eames ou de perturbations.<\/p>\n<p><strong>Figure 1 Besoins d\u00e9fensifs et besoins offensifs des institutions financi\u00e8res<\/strong><\/p>\n<p><img fetchpriority=\"high\" decoding=\"async\" class=\"wp-image-45126 aligncenter\" src=\"https:\/\/www.accuracy.com\/wp-content\/uploads\/2024\/07\/Capture-decran-2024-07-16-a-12.43.44-300x146.png\" sizes=\"(max-width: 612px) 100vw, 612px\" srcset=\"https:\/\/www.accuracy.com\/wp-content\/uploads\/2024\/07\/Capture-decran-2024-07-16-a-12.43.44-300x146.png 300w, https:\/\/www.accuracy.com\/wp-content\/uploads\/2024\/07\/Capture-decran-2024-07-16-a-12.43.44-1024x498.png 1024w, https:\/\/www.accuracy.com\/wp-content\/uploads\/2024\/07\/Capture-decran-2024-07-16-a-12.43.44-768x374.png 768w, https:\/\/www.accuracy.com\/wp-content\/uploads\/2024\/07\/Capture-decran-2024-07-16-a-12.43.44-18x9.png 18w, https:\/\/www.accuracy.com\/wp-content\/uploads\/2024\/07\/Capture-decran-2024-07-16-a-12.43.44.png 1434w\" alt=\"\" width=\"612\" height=\"298\" \/><\/p>\n<h3>Une solution int\u00e9gr\u00e9e avec diff\u00e9rents modules<\/h3>\n<p>Si la Finbox est n\u00e9e d'exigences r\u00e9glementaires, les institutions financi\u00e8res en ont rapidement fait un outil majeur de pilotage financier et strat\u00e9gique pour \u00e9clairer la prise de d\u00e9cision. Outre l'utilisation de la plateforme pour les tests de r\u00e9sistance r\u00e9glementaires, certains grands groupes bancaires l'utilisent \u00e0 des fins d'analyse de sc\u00e9narios et de budg\u00e9tisation internes, avec une tendance \u00e0 des utilisations plus sophistiqu\u00e9es (par exemple en int\u00e9grant des techniques avanc\u00e9es de mod\u00e9lisation math\u00e9matique et statistique dans les processus de calcul).<\/p>\n<p>Les besoins en simulation sont de plus en plus importants, non seulement dans la gestion des risques, mais aussi dans l'analyse de la corr\u00e9lation activit\u00e9\/risque, la planification financi\u00e8re et strat\u00e9gique, et la quantification d'\u00e9v\u00e9nements ad hoc et extr\u00eames. Pour rendre notre solution plus flexible et r\u00e9pondre \u00e0 l'\u00e9volution des besoins, nous avons d\u00e9velopp\u00e9 la plateforme sur la base de modules. Les institutions financi\u00e8res peuvent ainsi trouver des modules sp\u00e9cifiques pour la gestion actif-passif (ALM), les exigences de B\u00e2le IV en mati\u00e8re de fonds propres, l'IFRS 9, les tests de r\u00e9sistance au risque climatique, etc.<\/p>\n<p><img decoding=\"async\" class=\"wp-image-45127 aligncenter\" src=\"https:\/\/www.accuracy.com\/wp-content\/uploads\/2024\/07\/Capture-decran-2024-07-16-a-12.45.14-300x146.png\" sizes=\"(max-width: 621px) 100vw, 621px\" srcset=\"https:\/\/www.accuracy.com\/wp-content\/uploads\/2024\/07\/Capture-decran-2024-07-16-a-12.45.14-300x146.png 300w, https:\/\/www.accuracy.com\/wp-content\/uploads\/2024\/07\/Capture-decran-2024-07-16-a-12.45.14-1024x497.png 1024w, https:\/\/www.accuracy.com\/wp-content\/uploads\/2024\/07\/Capture-decran-2024-07-16-a-12.45.14-768x373.png 768w, https:\/\/www.accuracy.com\/wp-content\/uploads\/2024\/07\/Capture-decran-2024-07-16-a-12.45.14-18x9.png 18w, https:\/\/www.accuracy.com\/wp-content\/uploads\/2024\/07\/Capture-decran-2024-07-16-a-12.45.14.png 1410w\" alt=\"\" width=\"621\" height=\"302\" \/><\/p>\n<p>Traditionnellement, le d\u00e9partement financier d'une institution financi\u00e8re g\u00e8re ses finances et son d\u00e9partement des risques g\u00e8re ses risques. Les analyses effectu\u00e9es par ces deux d\u00e9partements n'interagissent pas entre elles car les donn\u00e9es, les syst\u00e8mes et les rapports pertinents sont g\u00e9n\u00e9ralement dispers\u00e9s. Avec Finbox, il est possible d'effectuer ces analyses au sein d'une seule et m\u00eame plateforme.<\/p>\n<p><strong>Figure 3 Solution int\u00e9gr\u00e9e pour l'analyse financi\u00e8re et la gestion des risques<\/strong><\/p>\n<p><img decoding=\"async\" class=\"wp-image-45128 aligncenter\" src=\"https:\/\/www.accuracy.com\/wp-content\/uploads\/2024\/07\/Capture-decran-2024-07-16-a-12.46.24-300x162.png\" sizes=\"(max-width: 609px) 100vw, 609px\" srcset=\"https:\/\/www.accuracy.com\/wp-content\/uploads\/2024\/07\/Capture-decran-2024-07-16-a-12.46.24-300x162.png 300w, https:\/\/www.accuracy.com\/wp-content\/uploads\/2024\/07\/Capture-decran-2024-07-16-a-12.46.24-1024x554.png 1024w, https:\/\/www.accuracy.com\/wp-content\/uploads\/2024\/07\/Capture-decran-2024-07-16-a-12.46.24-768x415.png 768w, https:\/\/www.accuracy.com\/wp-content\/uploads\/2024\/07\/Capture-decran-2024-07-16-a-12.46.24-18x10.png 18w, https:\/\/www.accuracy.com\/wp-content\/uploads\/2024\/07\/Capture-decran-2024-07-16-a-12.46.24.png 1450w\" alt=\"\" width=\"609\" height=\"329\" \/><\/p>\n<h3>Finbox - un outil de simulation moderne<\/h3>\n<p>Finbox adopte une approche de gestion centralis\u00e9e des donn\u00e9es pour permettre une analyse collaborative. La base de donn\u00e9es centralis\u00e9e comprend des donn\u00e9es financi\u00e8res, des donn\u00e9es de risque, des donn\u00e9es de sc\u00e9nario, des donn\u00e9es macro\u00e9conomiques, etc. Cela permet des analyses granulaires \u00e0 tous les niveaux, telles que la projection d'un bilan complet et de tous les comptes de r\u00e9sultats, dans le cadre d'un sc\u00e9nario \u00e9conomique sp\u00e9cifique au cours du processus de projection et d'analyse du mod\u00e8le. Dans le cadre du d\u00e9veloppement de Finbox, Accuracy a identifi\u00e9 les avantages potentiels de la synchronisation de la base de donn\u00e9es et des r\u00e9sultats de simulation sur le cloud du client gr\u00e2ce \u00e0 la connectivit\u00e9 cloud. Cette fonctionnalit\u00e9 a \u00e9t\u00e9 d\u00e9velopp\u00e9e et mise en \u0153uvre avec succ\u00e8s.<\/p>\n<p><strong>Figure 4 Flux de travail de l'analyse Finbox<\/strong><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-45129 aligncenter\" src=\"https:\/\/www.accuracy.com\/wp-content\/uploads\/2024\/07\/Capture-decran-2024-07-16-a-12.47.31-300x189.png\" sizes=\"(max-width: 598px) 100vw, 598px\" srcset=\"https:\/\/www.accuracy.com\/wp-content\/uploads\/2024\/07\/Capture-decran-2024-07-16-a-12.47.31-300x189.png 300w, https:\/\/www.accuracy.com\/wp-content\/uploads\/2024\/07\/Capture-decran-2024-07-16-a-12.47.31-1024x644.png 1024w, https:\/\/www.accuracy.com\/wp-content\/uploads\/2024\/07\/Capture-decran-2024-07-16-a-12.47.31-768x483.png 768w, https:\/\/www.accuracy.com\/wp-content\/uploads\/2024\/07\/Capture-decran-2024-07-16-a-12.47.31-1536x966.png 1536w, https:\/\/www.accuracy.com\/wp-content\/uploads\/2024\/07\/Capture-decran-2024-07-16-a-12.47.31-18x12.png 18w, https:\/\/www.accuracy.com\/wp-content\/uploads\/2024\/07\/Capture-decran-2024-07-16-a-12.47.31.png 1584w\" alt=\"\" width=\"598\" height=\"377\" \/><\/p>\n<p>La solution est accessible via une interface web, qui permet un acc\u00e8s personnalis\u00e9 par type d'utilisateur. Elle permet une visualisation personnalis\u00e9e, la comparaison d'une liste compl\u00e8te d'indicateurs cl\u00e9s de performance, ainsi que l'archivage et la r\u00e9cup\u00e9ration ais\u00e9s d'analyses et de r\u00e9sultats historiques.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-45130 aligncenter\" src=\"https:\/\/www.accuracy.com\/wp-content\/uploads\/2024\/07\/Capture-decran-2024-07-16-a-12.48.23-300x191.png\" sizes=\"(max-width: 587px) 100vw, 587px\" srcset=\"https:\/\/www.accuracy.com\/wp-content\/uploads\/2024\/07\/Capture-decran-2024-07-16-a-12.48.23-300x191.png 300w, https:\/\/www.accuracy.com\/wp-content\/uploads\/2024\/07\/Capture-decran-2024-07-16-a-12.48.23-1024x651.png 1024w, https:\/\/www.accuracy.com\/wp-content\/uploads\/2024\/07\/Capture-decran-2024-07-16-a-12.48.23-768x488.png 768w, https:\/\/www.accuracy.com\/wp-content\/uploads\/2024\/07\/Capture-decran-2024-07-16-a-12.48.23-18x12.png 18w, https:\/\/www.accuracy.com\/wp-content\/uploads\/2024\/07\/Capture-decran-2024-07-16-a-12.48.23.png 1434w\" alt=\"\" width=\"587\" height=\"374\" \/><\/p>\n<p>La plateforme Finbox centralise tous les mod\u00e8les, ce qui permet d'optimiser les processus de projection et d'analyse. Les diff\u00e9rents mod\u00e8les de projection au sein de Finbox sont connect\u00e9s en interne, ce qui facilite le partage des r\u00e9sultats, le retour d'information mutuel sur les r\u00e9sultats de sortie et les ajustements de r\u00e9sultats entre les mod\u00e8les. Le syst\u00e8me interconnect\u00e9 rend possible le transfert d'informations entre les mod\u00e8les, ce qui leur permet d'apprendre des r\u00e9sultats des uns et des autres et de partager leurs connaissances afin d'am\u00e9liorer leurs performances.<\/p>\n<p>Cela signifie qu'un mod\u00e8le peut fournir un support d'entr\u00e9e en temps r\u00e9el \u00e0 un second mod\u00e8le, tout en utilisant les r\u00e9sultats du feedback pr\u00e9dit par le second mod\u00e8le pour faire des pr\u00e9dictions pour le prochain ensemble de donn\u00e9es. Ces mod\u00e8les internes interconnect\u00e9s servent de base \u00e0 l'analyse et aux projections multifonctionnelles de Finbox.<\/p>\n<p>En combinant et en analysant efficacement les r\u00e9sultats des diff\u00e9rents mod\u00e8les, Finbox fournit aux utilisateurs des pr\u00e9dictions et des analyses plus pr\u00e9cises et plus solides. Il am\u00e9liore \u00e9galement la connectivit\u00e9 des donn\u00e9es entre les diff\u00e9rents d\u00e9partements des institutions financi\u00e8res, ce qui permet de gagner du temps et de r\u00e9duire les co\u00fbts de communication.<\/p>\n<p><strong>Figure 6 Interconnexion des modules dans la Finbox<\/strong><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-45131 aligncenter\" src=\"https:\/\/www.accuracy.com\/wp-content\/uploads\/2024\/07\/Capture-decran-2024-07-16-a-12.50.31-300x227.png\" sizes=\"(max-width: 617px) 100vw, 617px\" srcset=\"https:\/\/www.accuracy.com\/wp-content\/uploads\/2024\/07\/Capture-decran-2024-07-16-a-12.50.31-300x227.png 300w, https:\/\/www.accuracy.com\/wp-content\/uploads\/2024\/07\/Capture-decran-2024-07-16-a-12.50.31-1024x776.png 1024w, https:\/\/www.accuracy.com\/wp-content\/uploads\/2024\/07\/Capture-decran-2024-07-16-a-12.50.31-768x582.png 768w, https:\/\/www.accuracy.com\/wp-content\/uploads\/2024\/07\/Capture-decran-2024-07-16-a-12.50.31-16x12.png 16w, https:\/\/www.accuracy.com\/wp-content\/uploads\/2024\/07\/Capture-decran-2024-07-16-a-12.50.31.png 1438w\" alt=\"\" width=\"617\" height=\"467\" \/><\/p>\n<h3>Ce que fait la pr\u00e9cision<\/h3>\n<p>Chez Accuracy, nous comprenons l'importance d'avoir une \u00e9quipe multidisciplinaire et collaborative pour relever des d\u00e9fis complexes dans le secteur des services financiers. C'est pourquoi notre \u00e9quipe de projet est compos\u00e9e d'experts en conseil aux entreprises, en ing\u00e9nierie logicielle et en science des donn\u00e9es. L'\u00e9quipe travaille ensemble de mani\u00e8re transparente pour fournir des solutions puissantes.<\/p>\n<p>Nos consultants ont une connaissance approfondie de la gestion des risques, des tests de r\u00e9sistance et de la conformit\u00e9 r\u00e9glementaire, ainsi qu'une exp\u00e9rience de travail avec des institutions financi\u00e8res du monde entier. Ils travaillent en \u00e9troite collaboration avec nos clients pour comprendre leurs besoins et exigences uniques et pour d\u00e9velopper des solutions personnalis\u00e9es qui sont align\u00e9es sur leurs objectifs commerciaux.<\/p>\n<p>Nos ing\u00e9nieurs logiciels sont exp\u00e9riment\u00e9s dans le d\u00e9veloppement de solutions technologiques de pointe qui sont \u00e9volutives, s\u00e9curis\u00e9es et faciles \u00e0 utiliser. Ils travaillent en \u00e9troite collaboration avec nos consultants pour concevoir et mettre en \u0153uvre des syst\u00e8mes de gestion des risques, des plates-formes de simulation de crise et d'autres solutions qui r\u00e9pondent aux besoins sp\u00e9cifiques de nos clients.<\/p>\n<p>Enfin, nos data scientists sont des experts en analyse de donn\u00e9es, en apprentissage automatique et en mod\u00e9lisation statistique. Ils sont charg\u00e9s de d\u00e9velopper des mod\u00e8les et des algorithmes qui alimentent nos solutions technologiques et travaillent en \u00e9troite collaboration avec nos consultants commerciaux et nos ing\u00e9nieurs logiciels pour s'assurer que nos solutions sont bas\u00e9es sur des techniques solides d'analyse de donn\u00e9es et de mod\u00e9lisation.<\/p>\n<p>En r\u00e9unissant des consultants en affaires, des ing\u00e9nieurs logiciels et des scientifiques de donn\u00e9es, nous sommes dans une position unique pour aider nos clients. Cette approche multidisciplinaire et collaborative nous permet de fournir des solutions efficaces et efficientes qui aident nos clients \u00e0 relever leurs d\u00e9fis les plus pressants dans le secteur des services financiers.<\/p>\n<p>&nbsp;<\/p>\n<hr \/>\n<p><strong>Nicolas Darbo - Associ\u00e9 - Accuracy<\/strong><\/p>\n<p><strong>David Chollet - Associ\u00e9 - Accuracy<\/strong><\/p>\n<p><strong>Philippe W\u00fcst - Associ\u00e9 - Accuracy<\/strong><\/p>\n<p><strong>Carl Chan - Directeur - Accuracy<\/strong><\/p>","protected":false},"excerpt":{"rendered":"<p>In recent years, traditional banks have been racing to adopt Fintech solutions to transform their banking operations. One of the drivers of this trend was the implementation of several new regulatory requirements for stress testing, including those required by the European Banking Authority (EBA) and those related to climate risk stress testing globally. Another driver [&hellip;]<\/p>\n","protected":false},"author":58,"featured_media":41433,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[212,19,265,122],"tags":[],"class_list":["post-41429","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-analysis","category-china","category-financial-services-banking-insurance-analysis","category-perspectives"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.5 (Yoast SEO v27.5) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Finbox \u2013 a digital solution for integrated financial and risk management - Accuracy<\/title>\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.accuracy.com\/fr\/finbox-une-solution-numerique-pour-la-gestion-integree-des-finances-et-des-risques\/\" \/>\n<meta property=\"og:locale\" content=\"fr_CA\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Finbox \u2013 a digital solution for integrated financial and risk management\" \/>\n<meta property=\"og:description\" content=\"In recent years, traditional banks have been racing to adopt Fintech solutions to transform their banking operations. One of the drivers of this trend was the implementation of several new regulatory requirements for stress testing, including those required by the European Banking Authority (EBA) and those related to climate risk stress testing globally. 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