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What with the digitisation of all uses, ever more complex everyday lives, Artificial Intelligence (AI) is applied
throughout the value chain of an insurance provider, from subscription to claim and service management, from
product design to combating fraud. AI plays a particularly significant part in improving the customer path by
making processes smoother and reducing paper consumption, thereby shortening handling times or providing
more opportunities to contact customers. Yet, to help further develop AI and create value for all, it must be
accepted by all of the stakeholders: insured people, insurance providers, distributors, and employees. A
responsible use of AI tools is therefore called for in order to create trust.
CNP Assurances wishes to adopt an exemplary approach in AI ethics. The Group has thus decided to define
guidelines and to set up an AI governance board, which will make sure that human values and ethics are placed
at the centre of the development of any Artificial Intelligence project. Further to the appointment of Xavier
Vamparys as “AI Ethics” manager, reporting to Jean-Baptiste Nessi, Group Technical Director, CNP Assurances
has decided to set up an AI and ethics pluri-disciplinary committee. Placed under the supervision of the
corporate secretariat and the Finance Division, the committee is composed of representatives of the
Compliance, Risk Management, Legal, CSR (Corporate Social and Environmental Responsibility) Division and of
the Customer Experience and Information Systems Division. It may welcome new members from the academic
realm or the world of research, or human science experts.
Ethical principles in line with our DNA
In line with its values and mission to protect people and what is important to them over the long term, CNP Assurances has defined 5 rules of conduct for the development of AI:
- Ensure the transparency of AI tools;
- Keep a watchful eye on the fairness of AI tools by fighting prejudice and discrimination;
- Use AI in a responsible manner by controlling its reliability and impacts;
- Protect data and respect private life;
- Make human values key in our AI tools and processes.
“As a responsible insurance provider and a public player, CNP Assurances ought to set an ethical example and
make sure human values are placed at the centre of the development of artificial intelligence. We have decided to
set up dedicated governance bodies to ensure our principles are complied with and to train and acculturate our
employees, inform our customers and partners, in full transparency, of the implementation of ethical AI projects.
The purpose is to demonstrate the reliability of AI, which will thus be value creating for our customers, partners and
for the company,” says Antoine Lissowski, Chief Executive Officer of CNP Assurances.
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