{"id":7368,"date":"2026-05-20T12:58:11","date_gmt":"2026-05-20T12:58:11","guid":{"rendered":"https:\/\/detralytics.com\/?p=7368"},"modified":"2026-06-22T14:22:14","modified_gmt":"2026-06-22T14:22:14","slug":"modeling-regional-mortality-with-penalized-b-splin","status":"publish","type":"post","link":"https:\/\/detralytics.com\/fr\/publications\/modeling-regional-mortality-with-penalized-b-splin\/","title":{"rendered":"Mod\u00e9lisation de la mortalit\u00e9 r\u00e9gionale \u00e0 l\u2019aide de B-splines p\u00e9nalis\u00e9es"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"7368\" class=\"elementor elementor-7368\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d174136 e-flex e-con-boxed e-con e-parent\" data-id=\"d174136\" 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-a8b5b0f elementor-widget elementor-widget-heading\" data-id=\"a8b5b0f\" 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\">Mod\u00e9lisation de la mortalit\u00e9 r\u00e9gionale \u00e0 l\u2019aide de B-splines p\u00e9nalis\u00e9es <\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-82e75aa elementor-widget elementor-widget-heading\" data-id=\"82e75aa\" 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 2026-2<\/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\/2026\/05\/Detra-Note-2026-2.pdf\" target=\"_blank\">\n\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"764\" height=\"1080\" src=\"https:\/\/detralytics.com\/wp-content\/uploads\/2026\/05\/DETRAnote_EN-764x1080.jpg\" class=\"elementor-animation-grow attachment-large size-large wp-image-7369\" alt=\"DETRAnote_2026-2\" srcset=\"https:\/\/detralytics.com\/wp-content\/uploads\/2026\/05\/DETRAnote_EN-764x1080.jpg 764w, https:\/\/detralytics.com\/wp-content\/uploads\/2026\/05\/DETRAnote_EN-768x1086.jpg 768w, https:\/\/detralytics.com\/wp-content\/uploads\/2026\/05\/DETRAnote_EN-1086x1536.jpg 1086w, https:\/\/detralytics.com\/wp-content\/uploads\/2026\/05\/DETRAnote_EN-8x12.jpg 8w, https:\/\/detralytics.com\/wp-content\/uploads\/2026\/05\/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 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\/2026\/05\/Detra-Note-2026-2.pdf\" target=\"_blank\">\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\">T\u00e9l\u00e9charger<\/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 class=\"elementor-element elementor-element-6b46a15 elementor-widget elementor-widget-spacer\" data-id=\"6b46a15\" 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>\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\">Introduction<\/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<div class=\"page\" title=\"Page 3\"><div class=\"layoutArea\"><div class=\"column\"><p class=\"p1\">Cette DetraNote pr\u00e9sente une nouvelle approche param\u00e9trique afin de mod\u00e9liser la mortalit\u00e9 r\u00e9gionale au sein des r\u00e9gions europ\u00e9ennes NUTS-2. Les taux de mortalit\u00e9 r\u00e9gionaux \u00e9tant nettement plus volatils que les agr\u00e9gats nationaux, nous \u00e9tendons le mod\u00e8le de Li et Lee en utilisant des B-splines p\u00e9nalis\u00e9es afin de lisser les logarithmes des taux centraux de mortalit\u00e9 ainsi que les effets marginaux sp\u00e9cifiques \u00e0 l\u2019\u00e2ge des facteurs temporels endog\u00e8nes.<\/p><p class=\"p1\">Par rapport au cadre de Li et Lee, notre mod\u00e8le pr\u00e9sente plusieurs avantages. Premi\u00e8rement, il permet d\u2019obtenir des courbes de mortalit\u00e9 liss\u00e9es, une caract\u00e9ristique particuli\u00e8rement recherch\u00e9e dans les applications actuarielles. Deuxi\u00e8mement, la param\u00e9trisation limite les degr\u00e9s de libert\u00e9 du mod\u00e8le, ce qui permet une estimation fiable sur des fen\u00eatres temporelles plus courtes. Troisi\u00e8mement, le mod\u00e8le est suffisamment robuste pour la pr\u00e9vision de la mortalit\u00e9 \u00e0 long terme ainsi que pour la valorisation des rentes. Les param\u00e8tres du mod\u00e8le sont estim\u00e9s par maximisation de la log-vraisemblance, et la m\u00e9thodologie est appliqu\u00e9e aux donn\u00e9es de mortalit\u00e9 r\u00e9gionales fran\u00e7aises et belges.<\/p><p class=\"p1\">Un package Python d\u00e9di\u00e9 a \u00e9t\u00e9 d\u00e9velopp\u00e9 dans le cadre de cette analyse et est librement accessible sur <a href=\"https:\/\/github.com\/detralytics\/morta_nuts2\">GitHub<\/a>.<\/p><\/div><\/div><\/div><p><strong><span style=\"color: #097566;\">Mots-cl\u00e9s : <\/span><\/strong>tables de mortalit\u00e9, mod\u00e8le Lee-Carter, mod\u00e8le Li-Lee, mortalit\u00e9 multi-groupe, assurance-vie<\/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>Secteur : <\/b>Assurance<\/p><p><b><\/b><b>Domaine : <\/b>Vie<\/p><p><b>Auteurs : <\/b>I. Belem, D. Hainaut &amp; T. Hames<\/p><p><b>\u00c9diteur :<\/b> Detralytics<\/p><p><b>Date:<\/b> Avril 2026<\/p><p><b>Langue :<\/b> Anglais<\/p><p><b>Pages:<\/b> 26<\/p><p><b>R\u00e9f\u00e9rence :<\/b> Detra Note 2026-2<\/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-04db66e elementor-widget elementor-widget-spacer\" data-id=\"04db66e\" 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\">\u00c0 propos des auteurs<\/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-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=\"800\" height=\"800\" src=\"https:\/\/detralytics.com\/wp-content\/uploads\/2026\/05\/Idrissa_Rond.jpg\" class=\"attachment-large size-large wp-image-7379\" alt=\"\" srcset=\"https:\/\/detralytics.com\/wp-content\/uploads\/2026\/05\/Idrissa_Rond.jpg 1042w, https:\/\/detralytics.com\/wp-content\/uploads\/2026\/05\/Idrissa_Rond-768x768.jpg 768w, https:\/\/detralytics.com\/wp-content\/uploads\/2026\/05\/Idrissa_Rond-12x12.jpg 12w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\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\">Idrissa Belem<\/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 class=\"has-text-color has-link-color wp-elements-8ed7e2dd0f90905fac4bec2b30eb462a\">Fort de deux ann\u00e9es en alternance, Idrissa poss\u00e8de une expertise en assurance non-vie, particuli\u00e8rement en tarification et mod\u00e9lisation CAT. Ses exp\u00e9riences vari\u00e9es lui ont permis d\u2019acqu\u00e9rir une excellente ma\u00eetrise de plusieurs outils et d\u2019enrichir son expertise technique.<\/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-15033a0 e-flex e-con-boxed e-con e-parent\" data-id=\"15033a0\" 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-f1d818b e-con-full e-flex e-con e-child\" data-id=\"f1d818b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bbb97c3 elementor-widget elementor-widget-image\" data-id=\"bbb97c3\" 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=\"800\" height=\"800\" src=\"https:\/\/detralytics.com\/wp-content\/uploads\/2023\/07\/Donatien_Rond.jpg\" class=\"attachment-large size-large wp-image-2876\" alt=\"Donatien Hainaut\" srcset=\"https:\/\/detralytics.com\/wp-content\/uploads\/2023\/07\/Donatien_Rond.jpg 1042w, https:\/\/detralytics.com\/wp-content\/uploads\/2023\/07\/Donatien_Rond-768x768.jpg 768w, https:\/\/detralytics.com\/wp-content\/uploads\/2023\/07\/Donatien_Rond-146x146.jpg 146w, https:\/\/detralytics.com\/wp-content\/uploads\/2023\/07\/Donatien_Rond-50x50.jpg 50w, https:\/\/detralytics.com\/wp-content\/uploads\/2023\/07\/Donatien_Rond-75x75.jpg 75w, https:\/\/detralytics.com\/wp-content\/uploads\/2023\/07\/Donatien_Rond-85x85.jpg 85w, https:\/\/detralytics.com\/wp-content\/uploads\/2023\/07\/Donatien_Rond-80x80.jpg 80w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\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-f4dbe89 e-con-full e-flex e-con e-child\" data-id=\"f4dbe89\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c7c7b31 elementor-widget elementor-widget-heading\" data-id=\"c7c7b31\" 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\">Donatien Hainaut<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-22b2555 elementor-widget elementor-widget-text-editor\" data-id=\"22b2555\" 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 class=\"has-text-color has-link-color wp-elements-ae5c48d82f22f2e0c01ebb851eee595b\">Donatien Hainaut est Conseiller Scientifique chez Detralytics et Professeur \u00e0 l\u2019UCLouvain (Belgique), o\u00f9 il dirige le Master en Data Science \u00e0 orientation statistique. Auparavant, il a occup\u00e9 plusieurs postes acad\u00e9miques, notamment en tant que Professeur Associ\u00e9 \u00e0 la Rennes School of Business et \u00e0 l\u2019ENSAE \u00e0 Paris. Il poss\u00e8de \u00e9galement une solide exp\u00e9rience en entreprise, ayant travaill\u00e9 comme Risk Officer, Quantitative Analyst et ALM Officer.<\/p><p class=\"has-text-color has-link-color wp-elements-319687f5e483df5041193c0b748e25dd\">Actuaire qualifi\u00e9 et titulaire d\u2019un doctorat en Asset and Liability Management, ses recherches actuelles portent sur les m\u00e9canismes de contagion dans les processus stochastiques ainsi que sur les applications des r\u00e9seaux de neurones en assurance.<\/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-540e7a6 e-flex e-con-boxed e-con e-parent\" data-id=\"540e7a6\" 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-8038061 e-con-full e-flex e-con e-child\" data-id=\"8038061\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f989f85 elementor-widget elementor-widget-image\" data-id=\"f989f85\" 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 loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"800\" src=\"https:\/\/detralytics.com\/wp-content\/uploads\/2026\/05\/Thomas_Rond.jpg\" class=\"attachment-large size-large wp-image-7375\" alt=\"\" srcset=\"https:\/\/detralytics.com\/wp-content\/uploads\/2026\/05\/Thomas_Rond.jpg 1042w, https:\/\/detralytics.com\/wp-content\/uploads\/2026\/05\/Thomas_Rond-768x768.jpg 768w, https:\/\/detralytics.com\/wp-content\/uploads\/2026\/05\/Thomas_Rond-12x12.jpg 12w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\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-a1e38fb e-con-full e-flex e-con e-child\" data-id=\"a1e38fb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0fe5b4a elementor-widget elementor-widget-heading\" data-id=\"0fe5b4a\" 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\">Thomas Hames<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-25777f1 elementor-widget elementor-widget-text-editor\" data-id=\"25777f1\" 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 class=\"has-text-color has-link-color wp-elements-e1b283c50f5ac427982e336bbf0a75f2\">Depuis son arriv\u00e9e chez Detralytics en 2019, Thomas a principalement travaill\u00e9 sur des sujets de tarification et 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