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Afique: Guerre des Talents chez les Data Scientists
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Pour affiner leur modèle et faire bon usage de leurs informations stockées, les compagies font appel à des experts pour affiner leur modele . Le Continent regorge peu de ressources pour combler les besoins si importants.
De nos jours , l’enseignement superieur, propose de plus en plus des masters spécialisés et formations en data science et en big data. L’enjeu de la formation est d’aligner l’innovation en big data, en intelligence artificielle avec les besoins actuels des entreprises .
Au-delà du manque de compétences, la sensibilisation aux benefices du big data pose également un problème primordial . Les plus talentieux d’origine Africaine en matière d’adoption de nouvelles technologies, de nombreuses entreprises africaines ne comprennent toujours pas les avantages des grands projets de big data qui permettent aux entreprises d’accéder à de nouvelles informations sur les risques potentiels. L’autre aspect qui retarde l’investissement dans ce genre de projet est principalement lié à la nature de l’activité. Pour un investissement ou projet a risque faible, selon la nature de l’activité de l’opérateur-investisseur, une base de données a besoin d’une période qui varie entre un et cinq ans pour produire des informations fiables.
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How Advanced Technologies May Improve Audit Quality
An overwhelming number of finance leaders say their external audit benefits from the use of advanced technologies, like the cloud, artificial intelligence (AI), and data and analytics. In fact, in a recent Forbes Insights/KPMG survey of 250 corporate finance executives, more than 94% said these technologies improve audit quality.
With auditing firms spending as much as $5 billion a year on technology, according to Steven B. Harris of the Public Company Accounting Oversight Board, improvements to the audit aren’t just incremental. Here are the primary tools auditors are using today and how they’re improving audit quality.
- AI: There’s a tremendous amount of unstructured data, and it is growing in leaps and bounds. Information technology researcher 451 Research found that most enterprises are managing storage capacities of 50 The majority of that is unstructured data, which is expanding at a rate of 40% to 50% annually. Given some parameters, AI can systematically mine these internal, unstructured sources and identify any red flag, be it a contract that may have a clause that violates some country’s regulations or a vendor transaction that may have some suspicious characteristics and was previously overlooked. AI can also monitor external data sources like social media, television, and other video and audio sources for additional information that may expand the comprehensiveness of the audit.
- Visualization: Data visualization technology is based on a simple premise: Graphical representation of data is a better way to absorb information. Think of stocks: A chart immediately allows one to see years of price trends, whereas seeing the same prices listed in a table would require more time to identify any trend, if one could discern one among the figures. Similarly, in the audit, heat maps, bubble charts, interactive graphs and other visuals are making it easier to truly understand all the structured data companies have on hand.“This has been really exciting. It’s had a real impact on our auditors by giving them more insights into transactions, systems and trends. This allows them to make better judgments and decisions, resulting in higher quality work,” explains Bill Tomazin, Managing Partner, West Region and National Audit Solutions at KPMG US.
- Robotic Process Automation: Robotic process automation (RPA) uses software to capture and interpret a transaction, manipulate data, send standardized responses and automate communication with other processes. It has been widely implemented in tax and advisory services and is increasingly being deployed in the audit since it can streamline enterprise operations and direct one’s workforce to more value-added endeavors.RPA is well-suited to reconciling revenue-based transactions or more routine tasks, which then allows auditors more time to focus on clients, analyze data and gain new insights from enterprise information. “The excitement around RPA is well-founded, and the accounting profession is readily embracing this technology. RPA-based audit procedures have the potential to improve audit efficiency and effectiveness,” write Andrea M. Rozario and Miklos A. Vasarhelyi in CPA Journal.
Clearly, advanced technologies offer great promise to the audit. But it’s important to remember that for all the potential AI, data visualization and RPA offer, these technologies are only as good as the audit team guiding them and analyzing the results. As Harris noted in a speech to an annual meeting of the Public Company Accounting Oversight Board: “As powerful as these tools are, or are expected to become, they nonetheless are not substitutes for the auditor’s knowledge, judgment and exercise of professional skepticism.”
The takeaway is clear: Technologies will augment the work of auditors and ultimately go a long way toward improving audit quality.
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Three Anti-Money-Laundering Trends Financial Institutions Should Know In 2019
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TMT Predictions Afrique 2018
L’avenir est ici
Deloitte dévoile pour la 7ème année consécutive les tendances du secteur des Technologies, Médias et Télécommunications Afrique 2018. Cette étude porte sur les évolutions des usages des consommations et du marché TMT africain.
reference: https://www2.deloitte.com/cm/fr.html#
Les 8 grandes tendances qui marqueront l’année 2018
1. Un usage excessif des smartphones. L’émergence des smartphones en Afrique a un effet addictif auprès des 18-35 ans. Plus de 48% des répondants déclarent être dépendants !
2. Un marché du smartphone en forte expansion. D’ici 2020, on s’attend à avoir plus de 660 millions d’utilisateurs de smartphones en Afrique – soit un taux de pénétration de près de 55% – et près d’un demi-milliard d’accès internet via smartphone.
3. La réalité augmentée encore balbutiante en Afrique. L’utilisation la plus répandue se fait à travers des applications de filtres selfies.
4. Le machine learning gagne du terrain. En Afrique, les nouvelles technologies liées à l’intelligence artificielle font leur apparition, principalement pour faciliter l’accès aux soins de santé de base dans les pays en développement.
5. La connexion mobile s’invite à la maison, grâce à une meilleure couverture géographique de la 3G et 4G en Afrique. Plus de 75% des foyers Africains optent pour l’internet mobile résidentiel. Les opérateurs et les équipementiers télécommunications se prêtent au jeu en mettant à la disposition de la population une variété de forfaits internet et d’appareils adaptés, comme des mini box internet ou des clés internet à des tarifs de plus en plus accessibles.
6. Médias digitaux : le boom des abonnements. Les médias digitaux sont en plein essor en Afrique, principalement dans le streaming musical, avec le renforcement du positionnement de leaders mondiaux et le développement de startups africaines telles que, Baziks Pulse, Spinelt, Litoyi. Cependant, le nombre d’abonnements payants restera faible d’ici 2020.
7. Le « live » s’épanouit dans un monde numérique. Les diffusions et événements « live » prennent de l’ampleur dans les habitudes de consommation. De nombreux individus utilisent internet pour suivre des évènements en direct, principalement sportifs, mais ne sont pas disposés à payer pour.
8. Le wifi dans les avions prend son envol. En 2018, 1/4 des passagers dans le monde, soit 1 milliard de personnes, voyageront dans des avions offrant la connectivité à bord. De nombreuses compagnies africaines ont commandé des avions équipés de cette technologie.
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Cost of a Data Breach: Time to Detection Saves Real Money
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Enriching Data And Analytics To Strengthen Bank Compliance
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Innovation in technology and the digitization of information facilitate the rapid flow of data and money to and from anywhere in the world. Unfortunately, while there are obvious upsides and benefits from these enhancements, there are also new risks and challenges. Bad actors use the same tools in the global banking system to launder money to support activities ranging from organized crime to terrorism, drug and human trafficking, resulting in increased complexity for banks to invest in anti-money laundering (AML), know your customer (KYC) and other compliance-related initiatives.
To read the full story, click here
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The Role Of Data Governance In An Effective Compliance Program
POST WRITTEN BY Thomas Sehested
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An effective compliance program is comprised of many moving parts. Critical data is coming in from the variety of tools, documents, systems and technologies needed to run operations. As such, businesses can find themselves in over their heads when trying to gain a complete, accurate picture of their risk profile at any given time.
To read the full story, click here
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AI IN BANKING AND PAYMENTS: How artificial intelligence can cut costs, build loyalty, and enhance security for financial institutions
In payments, AI is being used in fraud prevention and detection, anti-money laundering (AML), and to grow conversational payments volume.
AfRisk Analytics 
Many know the adage, “time is money.” It is a sensible guide for anyone with persistent stress in their professional (and personal) lives. The IBM/Ponemon Institute 2018 Cost of a Data Breach Study is a must-read guide for chief information security officers (CISOs), chief privacy officers (CPOs), data protection officers, risk managers and boards to read carefully and plan actions and policies to manage their cyberrisk and concomitant costs when a breach occurs.1 The report has recast the old saying as, “time is real money.”
While the report points out the high cost of data breaches, there are some in the cybersecurity community who admit to not knowing if or when breach activity is happening within their networks. Some keep their heads in the sand and do not prioritize detection as a means of knowing. Recent privacy regulations require timely reporting of a data breach when known to the data controller. This may lead some to think that avoiding knowledge of a breach is a good strategy to avoid the costs associated with reporting, but this “ostrich strategy” is not only unwise and unethical, it is far costlier than meets the eye. Enterprises that invest in faster detection of data breaches can substantially reduce losses.
Costs Are Staggering
In the United States, the cost of a breach, on average, is a staggering US $3.86 million, up 6.4 percent from the prior year’s analysis.2 These statistics should be of real concern. And this is just the tangible costs of a breach. This amount does not account for the costs of regulatory fines. Hence, the numbers seen in this report must be considered a lower bound. Other potential costs include expenses associated with litigation, fines for regulatory noncompliance and lost revenue due to customers who leave as a result of a breach. With all the investment in cybersecurity products and professional services, why have the costs of data breaches not decreased?
Each new data privacy regulation, such as the EU General Data Protection Regulation (GDPR) or the US state of California Consumer Privacy Act (CCPA), calls for “appropriate security measures” to avoid fines, but by relying on tools that are easily susceptible to compromise via employee error and stolen credentials, enterprises are failing to protect themselves adequately.
The most vexing aspect of these new regulations is that the liability for data lies with the originating organization. This means that an organization is responsible for the security of that data regardless of with whom the data are shared and how the data are handled once they are outside of the originating organization’s control. The contractual obligations of a third-party provider to secure data once it has access may not be worth the proverbial paper on which it was printed. GDPR, for example, pierces any such agreements and puts the entire onus on the originating organization as the responsible party for any data losses, to the tune of up to 4 percent of total revenues or €20 million per violation. Perhaps “reasonable” best practices are not good enough. Perhaps cybersecurity technology is not being used to tackle the right problem.