{
    "id": 7188,
    "date": "2026-03-24T13:26:59",
    "date_gmt": "2026-03-24T13:26:59",
    "guid": {
        "rendered": "https:\/\/detralytics.com\/?p=7188"
    },
    "modified": "2026-08-21T13:30:10",
    "modified_gmt": "2026-08-21T13:30:10",
    "slug": "fairness",
    "status": "publish",
    "type": "post",
    "link": "https:\/\/detralytics.com\/en\/interview\/fairness\/",
    "title": {
        "rendered": "Fairness"
    },
    "content": {
        "rendered": "<div data-elementor-type=\"wp-post\" data-elementor-id=\"7188\" class=\"elementor elementor-7188\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-43e2714 e-flex e-con-boxed e-con e-parent\" data-id=\"43e2714\" 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-00525e1 elementor-widget elementor-widget-heading\" data-id=\"00525e1\" 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\">la Fairness, un nouveau paradigme pour les assureurs<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3ef99af elementor-widget elementor-widget-heading\" data-id=\"3ef99af\" 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\">Comlan Tossou - 24 mars 2026<\/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-c72f3dc e-flex e-con-boxed e-con e-parent\" data-id=\"c72f3dc\" 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-3560116 e-con-full e-flex e-con e-child\" data-id=\"3560116\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5712cd4 elementor-widget elementor-widget-image\" data-id=\"5712cd4\" 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 fetchpriority=\"high\" decoding=\"async\" width=\"500\" height=\"500\" src=\"https:\/\/detralytics.com\/wp-content\/uploads\/2026\/03\/Rodrigue.png\" class=\"attachment-large size-large wp-image-7200\" alt=\"Rodrigue Comlan Tossou\" srcset=\"https:\/\/detralytics.com\/wp-content\/uploads\/2026\/03\/Rodrigue.png 500w, https:\/\/detralytics.com\/wp-content\/uploads\/2026\/03\/Rodrigue-12x12.png 12w\" 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-e3c9385 e-con-full e-flex e-con e-child\" data-id=\"e3c9385\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e447644 elementor-widget elementor-widget-text-editor\" data-id=\"e447644\" 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>Dans un contexte o\u00f9 les mod\u00e8les actuariels jouent un r\u00f4le cl\u00e9 dans la prise de d\u00e9cision, la question de l\u2019\u00e9quit\u00e9 devient incontournable.\u00a0<\/p><p><span style=\"letter-spacing: 0.3px;\">\u00c0 travers cet \u00e9change, <\/span><span class=\"whitespace-normal\" style=\"letter-spacing: 0.3px;\"><b>Comlan Tossou<\/b>, consultant en Actuariat chez Detralytics, d\u00e9crypte <\/span><span style=\"letter-spacing: 0.3px;\">les enjeux de la fairness et pr\u00e9sente des solutions concr\u00e8tes pour les acteurs de l\u2019assurance.<\/span><\/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-e9c3b2f e-flex e-con-boxed e-con e-parent\" data-id=\"e9c3b2f\" 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-c0768b0 elementor-widget elementor-widget-spacer\" data-id=\"c0768b0\" 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-764d3c0 elementor-widget elementor-widget-heading\" data-id=\"764d3c0\" 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\">Qu\u2019entend-on par \u201cfairness\u201d dans les mod\u00e8les actuariels ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0aa7026 elementor-widget elementor-widget-text-editor\" data-id=\"0aa7026\" 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><span data-contrast=\"auto\">On dit d\u2019un mod\u00e8le qu\u2019il est \u00ab\u202ffair\u202f\u00bb lorsqu\u2019il est capable de produire des d\u00e9cisions \u00e9quitables entre les diff\u00e9rents groupes d\u2019individus. En actuariat, il existe deux types de fairness, une soci\u00e9tale qui traite les discriminations pouvant na\u00eetre des variables sensibles (sexe, situation sociale, &#8230;) et une actuarielle ou \u00e9conomique qui assure un traitement \u00e9quitable au sein des diff\u00e9rentes sous-classes de risque. <\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">La\u00a0fairness\u00a0consiste donc \u00e0 d\u00e9tecter, mesurer et corriger ces biais, afin de garantir que les d\u00e9cisions et pr\u00e9dictions de nos mod\u00e8les\u00a0restent \u00e0 la fois \u00e9quitables, robustes et conformes aux exigences r\u00e9glementaires.<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/p>\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<div class=\"elementor-element elementor-element-8946ba8 e-flex e-con-boxed e-con e-parent\" data-id=\"8946ba8\" 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-88c0631 elementor-widget elementor-widget-spacer\" data-id=\"88c0631\" 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-9dda052 elementor-widget elementor-widget-heading\" data-id=\"9dda052\" 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\">Pourquoi la fairness est-elle particuli\u00e8rement importante dans le secteur de l\u2019assurance ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-609710e elementor-widget elementor-widget-text-editor\" data-id=\"609710e\" 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><span class=\"TextRun SCXW1687424 BCX0\" lang=\"FR-BE\" xml:lang=\"FR-BE\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW1687424 BCX0\">Dans le secteur de l\u2019assurance, elle touche directement plusieurs\u00a0<\/span><span class=\"NormalTextRun CommentStart CommentHighlightPipeRest CommentHighlightRest SCXW1687424 BCX0\">t\u00e2ches dont la tarification des contrats d\u2019assurance<\/span><span class=\"NormalTextRun CommentHighlightRest SCXW1687424 BCX0\">\u00a0<\/span><span class=\"NormalTextRun CommentHighlightRest SCXW1687424 BCX0\">ou\u00a0<\/span><span class=\"NormalTextRun CommentHighlightRest SCXW1687424 BCX0\">l\u2019\u00e9valuation des risques<\/span><span class=\"NormalTextRun CommentHighlightPipeRest SCXW1687424 BCX0\">. Les donn\u00e9es contiennent souvent des biais sociaux, \u00e9conomiques ou comportementaux qui peuvent conduire les mod\u00e8les \u00e0 les reproduire ou les amplifier s\u2019ils ne sont pas identifi\u00e9s et corrig\u00e9s.<\/span><span class=\"NormalTextRun SCXW1687424 BCX0\">\u00a0Ainsi, l<\/span><span class=\"NormalTextRun SCXW1687424 BCX0\">a question de l\u2019\u00e9quit\u00e9 est particuli\u00e8rement sensible pour trois raisons<\/span><span class=\"NormalTextRun SCXW1687424 BCX0\">\u202f:<\/span><\/span><span class=\"EOP SCXW1687424 BCX0\" data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/p><ul><li><b><span data-contrast=\"auto\">Les\u00a0contraintes r\u00e9glementaires\u202f:\u00a0<\/span><\/b><span data-contrast=\"auto\">Les assureurs doivent respecter un cadre\u00a0r\u00e9glementaire\u00a0strict visant \u00e0 pr\u00e9venir toute forme de discrimination. Par exemple, le R\u00e8glement G\u00e9n\u00e9ral sur la Protection des Donn\u00e9es (RGPD)\u00a0impose des principes de transparence et de non-discrimination dans le traitement des donn\u00e9es personnelles. Il est renforc\u00e9 par la loi europ\u00e9enne sur l\u2019intelligence artificielle (IA\u00a0Act) qui introduit\u00a0un cadre sp\u00e9cifique pour les syst\u00e8mes d\u2019intelligence artificielle, notamment ceux utilis\u00e9s dans des contextes \u00e0 fort impact socio-\u00e9conomique.<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/li><li><span class=\"TextRun MacChromeBold SCXW35800413 BCX0\" lang=\"FR-BE\" xml:lang=\"FR-BE\" data-contrast=\"auto\"><span class=\"NormalTextRun CommentStart CommentHighlightPipeRest CommentHighlightRest SCXW35800413 BCX0\"><b>Une justification technique<\/b>\u202f:<\/span><\/span><span class=\"TextRun SCXW35800413 BCX0\" lang=\"FR-BE\" xml:lang=\"FR-BE\" data-contrast=\"auto\"><span class=\"NormalTextRun CommentHighlightRest SCXW35800413 BCX0\">\u00a0Les compagnies d\u2019assurance doivent \u00eatre capable de d\u00e9montrer que leurs mod\u00e8les sont mesurables, justifiables et auditables.<\/span><span class=\"NormalTextRun CommentHighlightPipeRest SCXW35800413 BCX0\">\u00a0<\/span><span class=\"NormalTextRun SCXW35800413 BCX0\">Toute diff\u00e9rence de pr\u00e9diction au sein des mod\u00e8les\u00a0<\/span><span class=\"NormalTextRun SCXW35800413 BCX0\">doit<\/span><span class=\"NormalTextRun SCXW35800413 BCX0\">\u00a0\u00eatre explicable techniquement \u00e0 partir\u00a0<\/span><span class=\"NormalTextRun SCXW35800413 BCX0\">des variables \u00e0 disposition<\/span><span class=\"NormalTextRun SCXW35800413 BCX0\">.<\/span><\/span><span class=\"EOP SCXW35800413 BCX0\" data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/li><li><span class=\"TextRun MacChromeBold SCXW46472001 BCX0\" lang=\"FR-BE\" xml:lang=\"FR-BE\" data-contrast=\"auto\"><span class=\"NormalTextRun CommentStart CommentHighlightPipeRest CommentHighlightRest SCXW46472001 BCX0\"><b>Un \u00e9quilibre actuariel<\/b><\/span><\/span><span class=\"TextRun SCXW46472001 BCX0\" lang=\"FR-BE\" xml:lang=\"FR-BE\" data-contrast=\"auto\"><span class=\"NormalTextRun CommentHighlightRest SCXW46472001 BCX0\"><b>\u202f<\/b>: Les pr\u00e9dictions issues des mod\u00e8les impact<\/span><span class=\"NormalTextRun CommentHighlightRest SCXW46472001 BCX0\">e<\/span><span class=\"NormalTextRun CommentHighlightRest SCXW46472001 BCX0\">nt directement les clients<\/span><span class=\"NormalTextRun CommentHighlightRest SCXW46472001 BCX0\">. De ce fait<\/span><span class=\"NormalTextRun CommentHighlightRest SCXW46472001 BCX0\">, elles doivent \u00eatre coh\u00e9rentes suivant les diff\u00e9rents\u00a0<\/span><span class=\"NormalTextRun CommentHighlightRest SCXW46472001 BCX0\">sous-<\/span><span class=\"NormalTextRun CommentHighlightRest SCXW46472001 BCX0\">groupes<\/span><span class=\"NormalTextRun CommentHighlightRest SCXW46472001 BCX0\">\u00a0de risque<\/span><span class=\"NormalTextRun CommentHighlightRest SCXW46472001 BCX0\">\u00a0et non d\u00e9termin\u00e9es par des caract\u00e8res sensibles comme le sexe ou la situation sociale<\/span><span class=\"NormalTextRun CommentHighlightPipeRest SCXW46472001 BCX0\">\u00a0pour\u00a0<\/span><span class=\"NormalTextRun SCXW46472001 BCX0\">instaurer un sentiment de cr\u00e9dibilit\u00e9 et de confiance aupr\u00e8s des assur\u00e9s.<\/span><span class=\"NormalTextRun SCXW46472001 BCX0\">\u00a0<\/span><\/span><\/li><\/ul><p>\u00a0<\/p><p>La fairness est devenue un enjeu \u00e0 la fois \u00e9thique, r\u00e9glementaire et strat\u00e9gique.<\/p>\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<div class=\"elementor-element elementor-element-11343cb e-flex e-con-boxed e-con e-parent\" data-id=\"11343cb\" 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-aa8bb0e elementor-widget elementor-widget-spacer\" data-id=\"aa8bb0e\" 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-8c17026 elementor-widget elementor-widget-heading\" data-id=\"8c17026\" 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\">Quelles techniques existent pour am\u00e9liorer la fairness dans les mod\u00e8les aujourd\u2019hui ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5865d4f elementor-widget elementor-widget-text-editor\" data-id=\"5865d4f\" 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><span lang=\"FR-BE\" xml:lang=\"FR-BE\" data-contrast=\"auto\">Les m\u00e9thodes de r\u00e9duction des biais peuvent \u00eatre class\u00e9es en trois grandes cat\u00e9gories\u202f:<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><ul><li><b><span style=\"-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text;\">Les m\u00e9thodes\u00a0<\/span><span style=\"-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text;\">de\u00a0<\/span><span style=\"-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; background-position: 0px 100%; background-repeat: repeat-x; border-bottom: 1px solid transparent;\">pre<\/span><span style=\"-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; background-position: 0px 100%; background-repeat: repeat-x; border-bottom: 1px solid transparent;\">&#8211;<\/span><span style=\"-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; background-position: 0px 100%; background-repeat: repeat-x; border-bottom: 1px solid transparent;\">processing<\/span><\/b><span lang=\"FR-BE\" style=\"background-color: transparent; color: windowtext; text-align: justify; font-size: 11pt; letter-spacing: 0.3px; -webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; line-height: 18.3458px; font-family: Calibri, Calibri_EmbeddedFont, Calibri_MSFontService, sans-serif; font-variant-ligatures: none !important;\" xml:lang=\"FR-BE\" data-contrast=\"auto\"><span style=\"-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text;\">\u202f:\u00a0<\/span><span style=\"-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text;\">Elles consistent \u00e0 modifier les donn\u00e9es avant l\u2019entra\u00eenement du mod\u00e8le. Cela peut inclure le r\u00e9\u00e9quilibrage des groupes dans les donn\u00e9es<\/span><span style=\"-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text;\">\u00a0ou encore\u00a0<\/span><span style=\"-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text;\">la transformation ou la suppression de certaines variables<\/span><span style=\"-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text;\">. Ces m\u00e9thodes sont g\u00e9n\u00e9ralement moins robustes \u00e9tant donn\u00e9 qu\u2019elles ne monitorent pas l\u2019existence de biais en sortie des mod\u00e8les.<\/span><\/span><\/li><li><b><span style=\"-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text;\">Les m\u00e9thodes in-<\/span><span style=\"-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; background-position: 0px 100%; background-repeat: repeat-x; border-bottom: 1px solid transparent;\">processing<\/span><\/b><span lang=\"FR-BE\" style=\"background-color: transparent; color: windowtext; text-align: justify; font-size: 11pt; letter-spacing: normal; -webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; line-height: 18.3458px; font-family: Calibri, Calibri_EmbeddedFont, Calibri_MSFontService, sans-serif; font-variant-ligatures: none !important;\" xml:lang=\"FR-BE\" data-contrast=\"auto\"><span style=\"-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text;\"><b>\u202f<\/b>:\u00a0<\/span><span style=\"-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text;\">Elles modifient directement l\u2019algorithme d\u2019apprentissage afin d\u2019int\u00e9grer des contraintes d\u2019\u00e9quit\u00e9.<\/span><span style=\"-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text;\">\u00a0Cela passe g\u00e9n\u00e9ralement par\u00a0<\/span><span style=\"-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text;\">l\u2019ajout de p\u00e9nalit\u00e9s de biais dans la fonction de perte<\/span><span style=\"-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text;\">\u00a0o<\/span><span style=\"-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text;\">u<\/span><span style=\"-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text;\">\u00a0l\u2019utilisation de mod\u00e8les adverses pour la correction des biais. Elles<\/span><span style=\"-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text;\">\u00a0<\/span><span style=\"-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text;\">sont plus compliqu\u00e9es \u00e0 mettre en \u0153uvre mais fournissent des r\u00e9sultats tr\u00e8s satisfaisants en sortie de mod\u00e8le.<\/span><\/span><\/li><li><b><span style=\"-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text;\">Les m\u00e9thodes de<\/span><span style=\"-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text;\">\u00a0<\/span><span style=\"-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text;\">post-<\/span><span style=\"-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; background-position: 0px 100%; background-repeat: repeat-x; border-bottom: 1px solid transparent;\">processing<\/span><\/b><span lang=\"FR-BE\" style=\"background-color: transparent; color: windowtext; text-align: justify; font-size: 11pt; letter-spacing: normal; -webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; line-height: 18.3458px; font-family: Calibri, Calibri_EmbeddedFont, Calibri_MSFontService, sans-serif; font-variant-ligatures: none !important;\" xml:lang=\"FR-BE\" data-contrast=\"auto\"><span style=\"-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text;\">\u202f:\u00a0<\/span><span style=\"-webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text;\">Ces m\u00e9thodes ajustent les pr\u00e9dictions du mod\u00e8le apr\u00e8s son entra\u00eenement afin de r\u00e9duire les \u00e9carts entre groupes.<\/span><\/span><span style=\"background-color: transparent; color: windowtext; text-align: justify; font-size: 11pt; letter-spacing: normal; -webkit-user-drag: none; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; user-select: text; line-height: 18.3458px; font-family: Calibri, Calibri_EmbeddedFont, Calibri_MSFontService, sans-serif;\" data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/li><\/ul>\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<div class=\"elementor-element elementor-element-f533cf7 e-flex e-con-boxed e-con e-parent\" data-id=\"f533cf7\" 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-f859c23 elementor-widget elementor-widget-spacer\" data-id=\"f859c23\" 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-8e4f810 elementor-widget elementor-widget-heading\" data-id=\"8e4f810\" 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\">Quelles solutions proposent Detralytics pour accompagner les assureurs sur cette probl\u00e9matique ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bafd779 elementor-widget elementor-widget-text-editor\" data-id=\"bafd779\" 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><span class=\"TextRun SCXW78492414 BCX0\" lang=\"FR-BE\" xml:lang=\"FR-BE\" data-contrast=\"auto\"><span class=\"NormalTextRun CommentStart SpellingErrorV2Themed CommentHighlightPipeRest CommentHighlightRest SCXW78492414 BCX0\">Detralytics<\/span><span class=\"NormalTextRun CommentHighlightRest SCXW78492414 BCX0\">\u00a0<\/span><span class=\"NormalTextRun CommentHighlightRest SCXW78492414 BCX0\">p<\/span><span class=\"NormalTextRun CommentHighlightRest SCXW78492414 BCX0\">ropose une offre\u00a0<\/span><span class=\"NormalTextRun CommentHighlightRest SCXW78492414 BCX0\">tr\u00e8s fournie\u00a0<\/span><span class=\"NormalTextRun CommentHighlightRest SCXW78492414 BCX0\">en mati\u00e8re d\u2019\u00e9quit\u00e9 dans les<\/span><span class=\"NormalTextRun CommentHighlightPipeRest SCXW78492414 BCX0\">\u00a0mod\u00e8les actuariels<\/span><span class=\"NormalTextRun SCXW78492414 BCX0\">. En effet,\u00a0<\/span><span class=\"NormalTextRun SCXW78492414 BCX0\">nous<\/span><span class=\"NormalTextRun SCXW78492414 BCX0\">\u00a0coupl<\/span><span class=\"NormalTextRun SCXW78492414 BCX0\">ons<\/span><span class=\"NormalTextRun SCXW78492414 BCX0\">\u00a0\u00e0 la fois une connaissance pr\u00e9cise de la r\u00e9glementation actuelle ainsi qu\u2019une comp\u00e9tence technique dans la mise en \u0153uvre des techniques de correction de ces biais. Pour cela, notre\u00a0<\/span><span class=\"NormalTextRun SCXW78492414 BCX0\">accompagnement s\u2019articule<\/span><span class=\"NormalTextRun SCXW78492414 BCX0\">\u00a0<\/span><span class=\"NormalTextRun SCXW78492414 BCX0\">autour de plusieurs dimensions<\/span><span class=\"NormalTextRun SCXW78492414 BCX0\">\u202f:<\/span><\/span><span class=\"EOP SCXW78492414 BCX0\" data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/p><ul><li><b><span data-contrast=\"auto\">Diagnostic et audit des mod\u00e8les existants\u202f<\/span><\/b><span data-contrast=\"auto\">:\u00a0Analyse des donn\u00e9es et des mod\u00e8les afin d\u2019identifier d\u2019\u00e9ventuels biais ou risques de discrimination.<\/span><\/li><li><span class=\"TextRun MacChromeBold SCXW67111996 BCX0\" lang=\"FR-BE\" xml:lang=\"FR-BE\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW67111996 BCX0\"><b>Correction des biais au sein des mod\u00e8les existants<\/b><\/span><\/span><span class=\"TextRun SCXW67111996 BCX0\" lang=\"FR-BE\" xml:lang=\"FR-BE\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW67111996 BCX0\"><b>\u202f<\/b>: Mise en place d\u2019un cadre de gouvernance\u202fet utilisation des techniques de mitigation des biais dans les syst\u00e8mes.<\/span><\/span><\/li><li><span class=\"TextRun MacChromeBold SCXW237413296 BCX0\" lang=\"FR-BE\" xml:lang=\"FR-BE\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW237413296 BCX0\"><b>Formation des \u00e9quipes<\/b><\/span><\/span><span class=\"TextRun SCXW237413296 BCX0\" lang=\"FR-BE\" xml:lang=\"FR-BE\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW237413296 BCX0\"><strong>\u202f<\/strong>: Nous proposons d\u2019accompagner nos clients dans la mont\u00e9e en comp\u00e9tence sur la prise en compte de la\u00a0<\/span><span class=\"NormalTextRun SpellingErrorV2Themed SCXW237413296 BCX0\">fairness<\/span><span class=\"NormalTextRun SCXW237413296 BCX0\">\u00a0dans leur syst\u00e8me.<\/span><\/span><\/li><\/ul>\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-a78e13f elementor-widget elementor-widget-spacer\" data-id=\"a78e13f\" 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\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c037481 e-flex e-con-boxed e-con e-parent\" data-id=\"c037481\" 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-9daf1ad e-con-full e-flex e-con e-child\" data-id=\"9daf1ad\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-23c2be7 elementor-widget elementor-widget-heading\" data-id=\"23c2be7\" 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\">Pour aller plus loin \ud83d\udd0e<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ed34541 elementor-widget elementor-widget-text-editor\" data-id=\"ed34541\" 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>Explorez notre Detra Note sur le sujet!\u00a0<\/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<div class=\"elementor-element elementor-element-32eece6 e-con-full e-flex e-con e-child\" data-id=\"32eece6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8cff672 elementor-widget elementor-widget-image\" data-id=\"8cff672\" 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\/2025\/11\/Detra-Note-2025-5.pdf\" target=\"_blank\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"764\" height=\"1080\" src=\"https:\/\/detralytics.com\/wp-content\/uploads\/2025\/11\/DETRAnote_EN-764x1080.jpg\" class=\"attachment-large size-large wp-image-6670\" alt=\"Detra Note Fairness in insurance pricing\" srcset=\"https:\/\/detralytics.com\/wp-content\/uploads\/2025\/11\/DETRAnote_EN-764x1080.jpg 764w, https:\/\/detralytics.com\/wp-content\/uploads\/2025\/11\/DETRAnote_EN-768x1086.jpg 768w, https:\/\/detralytics.com\/wp-content\/uploads\/2025\/11\/DETRAnote_EN-1086x1536.jpg 1086w, https:\/\/detralytics.com\/wp-content\/uploads\/2025\/11\/DETRAnote_EN-8x12.jpg 8w, https:\/\/detralytics.com\/wp-content\/uploads\/2025\/11\/DETRAnote_EN.jpg 1240w\" sizes=\"(max-width: 764px) 100vw, 764px\" \/>\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>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0c56482 e-flex e-con-boxed e-con e-parent\" data-id=\"0c56482\" 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-aa9b7d6 elementor-widget elementor-widget-spacer\" data-id=\"aa9b7d6\" 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-a62e68a elementor-widget elementor-widget-spacer\" data-id=\"a62e68a\" 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\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>",
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