How do you think AI will influence the world of finance over the next 10 years?

: AI, which is constantly evolving, will no longer be limited to generating content (as Chat-GPT does). In the financial sector, it will become a leading predictive tool, capable of anticipating market trends with unprecedented accuracy, integrating data that is sometimes unusable without the technology. Thanks to the development of technology, algorithms will be able to personalise financial offerings, optimise portfolios and their diversification, and identify the most promising opportunities. At the same time, AI will enhance financial security by proactively detecting fraud and automating compliance processes. This combination of human expertise and artificial intelligence will build a financial sector that is safer, more transparent and more responsive to customer needs: technology serving people.

How will environmental and social criteria influence investments and financial decisions between now and 2035?

By 2035, ESG criteria will be fully integrated into financial decision-making processes. They will no longer be an option, but an imperative for all market players, from institutional investors to private individuals. This systematic integration will result in a much more diversified and transparent range of sustainable financial products.

Increasingly stringent regulations will encourage companies to improve their ESG performance and report their actions accurately. Coupled with technology, which provides access to reliable, usable and transparent data, investors will benefit from increasingly sophisticated analytical tools, enabling them to rigorously assess the social and environmental impact of the companies in which they invest.

So, by 2035, greenwashing will have given way to a truly sustainable economy, where companies will be rewarded for their efforts to promote ecological and social transition. Investors, by choosing responsible investments, will be helping to shape a fairer and more sustainable future.

What role do you see cryptocurrencies playing in the global financial system? What kind of impact(s) will they have in the short, medium and long term?

For better understanding and greater precision, I propose replacing the term “cryptocurrency” with “virtual currency.” This term does not restrict the notion to a specific technological aspect.

In the short term, financial institutions are conducting numerous experiments to assess the potential of virtual currencies and identify complementary services to be developed. These initiatives, carried out at various levels (local, European, international), cover a wide range of applications, from investment funds to day-to-day transactions and the holding of digital assets.

In the medium-term, the adoption of specific European regulations should provide a solid legal framework and boost the confidence of market players. This momentum could encourage other regions of the world to follow suit, accelerating the global adoption of virtual currencies.

In the long term, society could evolve towards a model in which cash plays an increasingly marginal role, offering faster, more secure and more transparent transactions.

It is unlikely that virtual currencies will completely replace fiat currencies in the near future. Rather, they should coexist and lead to a profound transformation of the global financial system, fostering innovation, financial inclusion and reliable transactions.

This article was originally written in , translated and edited for the Paperjam website in English.