The strategy must reject a pure "technology push" and focus entirely on customer impact. Within 3 to 5 years, it is projected that over 50% of customers will possess their own intermediate AI agents to assist with purchasing decisions and financial choices. This shifts the banking paradigm: the bank must not only market to humans but ensure its services are discoverable and selectable by these customer-side agents. The challenge lies in building an infrastructure where the bank's systems can seamlessly interact with these personal digital intermediaries.

The drive is about efficiency, scope, and capability. AI allows banks to execute existing tasks faster, cover a broader spectrum of risks (covering risks A, B, and C instead of just A), and perform previously impossible tasks, such as analyzing massive document volumes for sentiment analysis in equity research.

CNP Assurances operates as a leading international player primarily in Europe and Latin America, holding the position of the second-largest term creditor insurer in France and the third-largest insurer in Brazil. The company functions on a robust B2B2C model, maintaining long-term agreements with major banking partners like La Banque Postale and Caixa Econômica Federal, while also utilizing open models with retailers and brokers. Financially, the group generates a net result of €1.5 billion and is recognized for its commitment to ESG, ranked among the top 9% of sustainable companies globally.

At Adopt AI, he will explore how innovation and artificial intelligence are transforming the insurance industry. AI empowers insurers to offer more personalised and sustainable protection based on deeper customer insights.