{
    "id": 4113,
    "date": "2018-11-04T12:48:00",
    "date_gmt": "2018-11-04T12:48:00",
    "guid": {
        "rendered": "https:\/\/detralytics.com\/?p=4113"
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    "modified": "2026-06-22T14:52:58",
    "modified_gmt": "2026-06-22T14:52:58",
    "slug": "back-to-the-future2-dun-modele-b2c-intermedie-a-une-generalisation-des-b2b2c-et-b2p2p-enjeux-actuariels",
    "status": "publish",
    "type": "post",
    "link": "https:\/\/detralytics.com\/en\/publications\/back-to-the-future2-dun-modele-b2c-intermedie-a-une-generalisation-des-b2b2c-et-b2p2p-enjeux-actuariels\/",
    "title": {
        "rendered": "Back to the Future 2 – D\u2019un mod\u00e8le B2C interm\u00e9di\u00e9 \u00e0 une g\u00e9n\u00e9ralisation des B2B(2C) et B2(P2P) : Enjeux Actuariels"
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        "rendered": "<div data-elementor-type=\"wp-post\" data-elementor-id=\"4113\" class=\"elementor elementor-4113\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6313656 e-flex e-con-boxed e-con e-parent\" data-id=\"6313656\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;shape_divider_bottom&quot;:&quot;tilt&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-shape elementor-shape-bottom\" aria-hidden=\"true\" data-negative=\"false\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 1000 100\" preserveaspectratio=\"none\">\n\t<path class=\"elementor-shape-fill\" d=\"M0,6V0h1000v100L0,6z\"\/>\n<\/svg>\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5fdccc2 elementor-widget elementor-widget-heading\" data-id=\"5fdccc2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Back to the Future 2 \u2013 D\u2019un mod\u00e8le B2C interm\u00e9di\u00e9 \u00e0 une g\u00e9n\u00e9ralisation des B2B(2C) et B2(P2P) : Enjeux Actuariels\n<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-81cfd6f elementor-widget elementor-widget-heading\" data-id=\"81cfd6f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">DetraNote 2018-3<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-87f3931 e-flex e-con-boxed e-con e-parent\" data-id=\"87f3931\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-9aa7e1d e-con-full e-flex e-con e-child\" data-id=\"9aa7e1d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-67f934f elementor-widget elementor-widget-image\" data-id=\"67f934f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/detralytics.com\/wp-content\/uploads\/2018\/11\/DetraNote-2018-3-Final_2.pdf\" target=\"_blank\">\n\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"768\" height=\"1084\" src=\"https:\/\/detralytics.com\/wp-content\/uploads\/2018\/11\/Miniature-Back-to-the-future-2018-3-768x1084.png\" class=\"elementor-animation-grow attachment-medium_large size-medium_large wp-image-4115\" alt=\"\" srcset=\"https:\/\/detralytics.com\/wp-content\/uploads\/2018\/11\/Miniature-Back-to-the-future-2018-3-768x1084.png 768w, https:\/\/detralytics.com\/wp-content\/uploads\/2018\/11\/Miniature-Back-to-the-future-2018-3-765x1080.png 765w, https:\/\/detralytics.com\/wp-content\/uploads\/2018\/11\/Miniature-Back-to-the-future-2018-3.png 1016w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-420ffe4 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"420ffe4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/detralytics.com\/wp-content\/uploads\/2018\/11\/DetraNote-2018-3-Final_2.pdf\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-arrow-alt-circle-down\" viewbox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8zm0 448c-110.5 0-200-89.5-200-200S145.5 56 256 56s200 89.5 200 200-89.5 200-200 200zm-32-316v116h-67c-10.7 0-16 12.9-8.5 20.5l99 99c4.7 4.7 12.3 4.7 17 0l99-99c7.6-7.6 2.2-20.5-8.5-20.5h-67V140c0-6.6-5.4-12-12-12h-40c-6.6 0-12 5.4-12 12z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Download<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2e62cc6 e-con-full e-flex e-con e-child\" data-id=\"2e62cc6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fc5d00b elementor-widget elementor-widget-heading\" data-id=\"fc5d00b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Abstract<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f1e1dc7 elementor-widget elementor-widget-text-editor\" data-id=\"f1e1dc7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>La digitalisation et le d\u00e9veloppement des InsurTechs ne sont pas toujours synonymes de changement dans les techniques actuarielles de gestion du risque. D\u2019autres \u00e9volutions par contre impacteront sensiblement et durablement le march\u00e9 de l\u2019assurance ainsi que les m\u00e9thodes utilis\u00e9es par les actuaires, comme les nouvelles technologies (voitures connect\u00e9es et IoT, par exemple), le glissement de la possession vers l\u2019utilisation (voiture partag\u00e9e, par exemple) et l\u2019\u00e9mergence de communaut\u00e9s P2P. De nouveaux acteurs pourraient appara\u00eetre \u00e0 l\u2019occasion de ces mutations, faisant reculer significativement l\u2019encaissement des assureurs traditionnels.<\/p><p><em>Dans les deux notes intitul\u00e9es \u201cBack to the Future\u201d, les auteurs d\u00e9montrent comment un retour aux fondamentaux de l\u2019assurance (\u00e0 savoir le partage des risques dans sa forme la plus basique) revisit\u00e9s \u00e0 la lumi\u00e8re des techniques actuarielles les plus r\u00e9centes permettrait de r\u00e9pondre \u00e0 bon nombre de d\u00e9fis actuels du secteur.<\/em><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0f29719 e-con-full e-flex e-con e-child\" data-id=\"0f29719\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2952de9 elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"2952de9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><b>Sector: <\/b>Insurance<\/p><p><b><\/b><b>Expertise: <\/b>Life Insurance<\/p><p><b>Authors:<\/b> Michel Denuit et<\/p><p>Julien Trufin<\/p><p><b>Publisher:<\/b> Detralytics<\/p><p>\u00a0<\/p><p><b>Date:<\/b> November 2018<\/p><p><b>Language:<\/b> French<\/p><p><b>Pages:<\/b> 16<\/p><p><b>Reference :<\/b> Detra Note 2028-3<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c6ae38d e-flex e-con-boxed e-con e-parent\" data-id=\"c6ae38d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a1c05c2 elementor-widget elementor-widget-spacer\" data-id=\"a1c05c2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f183faa elementor-widget elementor-widget-heading\" data-id=\"f183faa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">About the authors<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-53f26ef e-flex e-con-boxed e-con e-parent\" data-id=\"53f26ef\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-45ca7dd e-con-full e-flex e-con e-child\" data-id=\"45ca7dd\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d43f55d elementor-widget elementor-widget-image\" data-id=\"d43f55d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"500\" height=\"501\" src=\"https:\/\/detralytics.com\/wp-content\/uploads\/2020\/12\/Michel_Rond.png\" class=\"attachment-large size-large wp-image-2059\" alt=\"Michel Denuit\" srcset=\"https:\/\/detralytics.com\/wp-content\/uploads\/2020\/12\/Michel_Rond.png 500w, https:\/\/detralytics.com\/wp-content\/uploads\/2020\/12\/Michel_Rond-400x400.png 400w, https:\/\/detralytics.com\/wp-content\/uploads\/2020\/12\/Michel_Rond-150x150.png 150w, https:\/\/detralytics.com\/wp-content\/uploads\/2020\/12\/Michel_Rond-100x100.png 100w, https:\/\/detralytics.com\/wp-content\/uploads\/2020\/12\/Michel_Rond-250x250.png 250w, https:\/\/detralytics.com\/wp-content\/uploads\/2020\/12\/Michel_Rond-320x320.png 320w, https:\/\/detralytics.com\/wp-content\/uploads\/2020\/12\/Michel_Rond-146x146.png 146w, https:\/\/detralytics.com\/wp-content\/uploads\/2020\/12\/Michel_Rond-50x50.png 50w, https:\/\/detralytics.com\/wp-content\/uploads\/2020\/12\/Michel_Rond-75x75.png 75w, https:\/\/detralytics.com\/wp-content\/uploads\/2020\/12\/Michel_Rond-85x85.png 85w, https:\/\/detralytics.com\/wp-content\/uploads\/2020\/12\/Michel_Rond-80x80.png 80w\" sizes=\"(max-width: 500px) 100vw, 500px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f0de6fc e-con-full e-flex e-con e-child\" data-id=\"f0de6fc\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-224cb75 elementor-widget elementor-widget-heading\" data-id=\"224cb75\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Michel Denuit<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-58dff6d elementor-widget elementor-widget-text-editor\" data-id=\"58dff6d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Michel is a\u00a0Scientific Advisor at Detralytics, as well as a professor in actuarial science at the Universit\u00e9 Catholique de Louvain. He has international experience as a visiting professor, and has promoted many projects in collaboration with the industry. At Detralytics, Michel coaches young talents, provides cutting-edge training, fosters innovation and oversees R&amp;D projects.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b455dd6 e-flex e-con-boxed e-con e-parent\" data-id=\"b455dd6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-826b55c e-con-full e-flex e-con e-child\" data-id=\"826b55c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a4936f2 elementor-widget elementor-widget-image\" data-id=\"a4936f2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"500\" height=\"500\" src=\"https:\/\/detralytics.com\/wp-content\/uploads\/2025\/08\/Julien.png\" class=\"attachment-large size-large wp-image-5905\" alt=\"Julien\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-888af75 e-con-full e-flex e-con e-child\" data-id=\"888af75\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b42de73 elementor-widget elementor-widget-heading\" data-id=\"b42de73\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Julien Trufin<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c03f01f elementor-widget elementor-widget-text-editor\" data-id=\"c03f01f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Julien is a Scientific Advisor at Detralytics, as well as a professor in Actuarial Science at the department of mathematics of the Universit\u00e9 Libre de Bruxelles. Julien has experience as a consultant and a strong academic background developed at prominent institutions, including Universit\u00e9 Laval (Canada), UCL, and ULB (Belgium). At Detralytics, Julien coaches young talents, provide cutting-edge training, fosters innovation and oversees R&amp;D projects.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d583b84 e-flex e-con-boxed e-con e-parent\" data-id=\"d583b84\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5c02ae0 elementor-widget elementor-widget-button\" data-id=\"5c02ae0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/detralytics.com\/en\/publications\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-left\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M257.5 445.1l-22.2 22.2c-9.4 9.4-24.6 9.4-33.9 0L7 273c-9.4-9.4-9.4-24.6 0-33.9L201.4 44.7c9.4-9.4 24.6-9.4 33.9 0l22.2 22.2c9.5 9.5 9.3 25-.4 34.3L136.6 216H424c13.3 0 24 10.7 24 24v32c0 13.3-10.7 24-24 24H136.6l120.5 114.8c9.8 9.3 10 24.8.4 34.3z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">All Publications<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>",
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        "rendered": "<p>Dans les deux notes intitul\u00e9es \u201cBack to the Future\u201d, les auteurs d\u00e9montrent comment un retour aux fondamentaux de l\u2019assurance revisit\u00e9s \u00e0 la lumi\u00e8re des techniques actuarielles les plus r\u00e9centes permettrait de r\u00e9pondre \u00e0 bon nombre de d\u00e9fis actuels du secteur.<\/p>",
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