Marcin Pluta: In your study, “Comportement des Français vis-à-vis de l’épargne” (Behavior of the French Regardin Savings), conducted with La France Mutualiste, you point out that young people, women, and less advantaged socio-professional groups still face significant obstacles in accessing certain savings products (life insurance, retirement etc.). In this context, what concrete measures do you plan to implement to make insurance more accessible to everyone? Do you see the use of digital or algorithmic tools as a way to reduce biases (age, gender, wealth, location), or rather as an obstacle to inclusion? 

Isabelle Le Bot: Indeed, the gap between men and women in terms of savings and investment remains concerning, as highlighted in our study conducted with BPI France Le Lab on the occasion of the 60th anniversary of women’s financial independence. Women, often earning less, invest less and are too often perceived as consumers rather than investors. Young people face a double challenge: loss of purchasing power and difficulty accessing housing. 

It is in this context that I launched a call for financial inclusion to make savings and investment accessible to all. This will involve enhanced financial education from an early age, greater data transparency, and sharing observed gaps by market actors. This is the approach we initiated with the study you mentioned, conducted with Aurélie Jean, PhD in science, entrepreneur, and author, specializing in algorithmic modelling. It is time to make financial inclusion a national cause, so that every French citizen, regardless of age or gender, has the same opportunities to save and invest. 

Regarding AI usage, I believe we must recognize that the new algorithmic technologies sometimes intensify certain forms of discrimination. There is an additional duty of vigilance to ensure they do not undermine our efforts toward financial inclusion.