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Jocelyn SCHUFFENECKER

Jocelyn SCHUFFENECKER

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L’IA en finance : la révolution de productivité qui coûte plus qu’elle ne rapporte

Le discours s’est imposé en moins de deux ans.L’IA réduit les coûts. Elle accélère l’analyse. Elle démultiplie la capacité de traitement. Les éditeurs le vendent, les directions l’adoptent, les cabinets s’équipent.Personne ne calcule l’autre côté du bilan.Le problème n’est pas l’outil. C’est l’architecture.Généraliste ou “spécialisé finance”, la quasi-totali…

L’IA en finance : la révolution de productivité qui coûte plus qu’elle ne rapporte

Client suitability under MiFID II: when declared profiles and actual financial reality diverge.

On May 6, 2026, ESMA published the conclusions of its Common Supervisory Action conducted in 2024 and 2025 on the integration of sustainability preferences into MiFID II suitability assessments. The finding is structural: while data collection frameworks are broadly in place, the documentation of decision-making rationale and the neutrality of advice remain …

Client suitability under MiFID II: when declared profiles and actual financial reality diverge.

Quel est le vrai coût de la réglementation?

En décembre 2025, l’ESMA a annoncé une Common Supervisory Action coordonnée à l’échelle européenne pour 2026, menée avec l’AMF en France et la CSSF au Luxembourg. Son objet : la traçabilité des décisions dans la distribution de produits financiers. Pour beaucoup de professionnels, cette annonce est passée inaperçue. Elle ne devrait pas.J’ai géré des portefeu…

Quel est le vrai coût de la réglementation?

For neobanks, growth is no longer a commercial issue . it’s an AML one.

The EU Anti-Money Laundering package, adopted in May 2024, is not a theoretical reform.It is a direct response to supervisory failures observed over recent years among fast-growing, digital-first institutions.The message from regulators is now explicit:digital-first does not mean AML-light.With the introduction of the Anti-Money Laundering Regulation (AMLR),…

For neobanks, growth is no longer a commercial issue . it’s an AML one.