the use of artificial intelligence in the financial sector are an example of what experimentation can bring not only to a supervisory authority but also to the entire ecosystem. indeed, these concrete experiments have enabled the acpr, based on specific use cases, to examine the code of the algorithms, their intrinsic performance, their integration into operational processes, and their control and governance environment. drawing on this experiment, in order to share widely the lessons it has learned, the acpr published astudy last june outlining what the framework for the proper use of these future tools could look like. in this way, experimentation allows us to send the right signals for the ecosystem to realise the potential of new technologies without fearing a delayed and unexpected “ backlash ” from the supervisory authority. the experiments underway at the banque de france on a central bank digital currency ( cbdc ) are an illustration of the same experimental approach in the field of work specific to central banks. they present with issues directly related to the need for the eurosystem, should circumstances require it, to be ready to issue a cbdc in order to ensure that central bank money is accessible to the general public and to preserve their freedom of choice of means of payment and their confidence in our currency. by testing the possible uses of a cbdc, we investigate not only the potential of blockchain technologies but we also question the players in the ecosystem on what tomorrow ’ s landscape could look like, on subjects as fundamental as the methods of exchanging financial instruments for cbdcs, the improvement of the conditions for executing cross - border payments or new ways of making cbdcs available to financial sector players. 2 / 4 bis central bankers'speeches * * the second thrust of our work is to promote a regulatory framework and appropriate supervisory practices. in this respect, our immersion, as a player, in the innovative fintech ecosystem is a valuable asset that we intend to build on in order to contribute to the impending and necessary changes in regulations and supervision. to briefly illustrate the current state of play of our supervisory practices, i would like to mention the “ suptech ” approach underway at the acpr : the supervisory authority ’ s aim is to take advantage of innovation to better carry out its missions at the best cost for the community and thus prepare the supervision methods for tomorrow ’ s financial processes. to date, four tools developed in intrapreneurship with the support of the banque de france ’ s lab, our space dedicated to innovation, have been created

the message that i think is important today is the following : the stakes of this action plan on the financial sector are high and it will have a major impact on the innovative ecosystems of the 3 / 4 bis central bankers'speeches french and european financial sectors. that is why the banque de france and the acprwill be particularly attentive, in the coming weeks and months, to your feedback, suggestions and questions on this “ digital finance package ", which is closely in line with the rationale of the ecosystem that i have just outlined. in other words, we have the opportunity to demonstrate today that the discussions held in recent years between the banque de france, the different players in the innovative financial ecosystem and other supervisory authorities, the relationships of trust established between us, the complementary expertise, the shared experiments and knowledge, have a concrete and tangible effect : that of further strengthening the dynamics of an ecosystem that is destined to count in the future of the european financial sector. * thank you for your attention. 4 / 4 bis central bankers'speeches