{"id":888,"date":"2026-06-09T11:54:24","date_gmt":"2026-06-09T09:54:24","guid":{"rendered":"https:\/\/www.toutsurmesfinances.com\/actualites\/?p=888"},"modified":"2026-06-09T11:54:24","modified_gmt":"2026-06-09T09:54:24","slug":"placement-plus-dun-francais-sur-dix-utilisent-lia","status":"publish","type":"post","link":"https:\/\/www.toutsurmesfinances.com\/actualites\/a\/placement-plus-dun-francais-sur-dix-utilisent-lia","title":{"rendered":"Placement\u00a0: plus d\u2019un Fran\u00e7ais sur dix utilisent l\u2019IA"},"content":{"rendered":"<p>L\u2019intelligence artificielle (IA) est entr\u00e9e dans les m\u0153urs des \u00e9pargnants fran\u00e7ais. Selon une \u00e9tude de l\u2019Autorit\u00e9 des march\u00e9s financiers (AMF) publi\u00e9e le 8 juin 2026 et r\u00e9alis\u00e9e aupr\u00e8s d\u2019un panel de 2 000 individus repr\u00e9sentatif de la population fran\u00e7aise \u00e2g\u00e9e de 18 ans et plus, 11% des personnes interrog\u00e9es utilisent l\u2019IA avant d\u2019effectuer un placement.<\/p>\n<p>L\u2019\u00e9cart entre les femmes (9% recourent \u00e0 un agent conversationnel) et les hommes (13%) est \u00ab\u00a0mod\u00e9r\u00e9e\u00a0\u00bb d\u2019apr\u00e8s l\u2019AMF. Les diff\u00e9rences sont, en revanche, plus marqu\u00e9es en fonction des \u00e2ges. Seuls 4% des 55 ans et plus consultent ChatGPT, Claude ou Gemini avant de souscrire un produit financier, contre 14% des 35-54 ans et 19% des moins de 35 ans.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Des_ecarts_de_diplome_et_de_CSP\"><\/span>Des \u00e9carts de dipl\u00f4me et de CSP<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Mais le foss\u00e9 se creuse surtout en fonction du dipl\u00f4me. Les titulaires du brevet du coll\u00e8ge ou les non dipl\u00f4m\u00e9s sont 5% \u00e0 s\u2019informer aupr\u00e8s d\u2019un agent IA avant de r\u00e9aliser un placement, versus 7% des dipl\u00f4m\u00e9s du CAP ou du BEP, 12% du baccalaur\u00e9at \u00e0 Bac + 2 et 17% d\u2019un Bac + 3 et plus.<\/p>\n<p>La classe socio-professionnelle (CSP) compte \u00e9galement. \u00c0 peine 6% des retrait\u00e9s et des inactifs utilisent l\u2019IA avant de souscrire un produit financier, vs 12% des CSP &#8211; et 17% des CSP +.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Une_utilisation_liee_a_la_prise_de_risque\"><\/span>Une utilisation li\u00e9e \u00e0 la prise de risque<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Les \u00e9pargnants les plus prudents sont eux aussi ceux qui ont le moins recours \u00e0 l\u2019intelligence artificielle. Seulement 7% des personnes qui refusent tout risque de perte financi\u00e8re dans leurs placements s\u2019informent aupr\u00e8s des robots conversationnels. Elles sont deux fois plus (15%) lorsqu\u2019elles prennent un peu de risque et plus de quatre fois plus (24%) lorsqu\u2019elles prennent beaucoup de risques.<\/p>\n<p>Plus pr\u00e9cis\u00e9ment, 19% des investisseurs en Bourse utilisent l\u2019IA comme source d\u2019information. Le pourcentage grimpe \u00e0 24% aupr\u00e8s des investisseurs en crowdfunding (financement participatif) et m\u00eame \u00e0 33% pour les investisseurs en crypto-actifs (<a href=\"https:\/\/www.toutsurmesfinances.com\/actualites\/a\/bitcoin-au-plus-bas-depuis-4-mois-les-6-raisons-de-la-chute\" target=\"_blank\" rel=\"noopener\">bitcoin<\/a>, ethereum\u2026).<\/p>\n<p>Mais chez les utilisateurs de l\u2019IA, rares sont ceux qui font confiance uniquement \u00e0 ces outils. Parmi eux, 41% les utilisent en compl\u00e9ment d\u2019informations fournies par leur banque, leur conseiller bancaire ou un conseiller financier. Plus de la moiti\u00e9 (54%) effectuent en parall\u00e8le des recherches sur Internet. En r\u00e9alit\u00e9, \u00e0 peine 5% des aficionados de l\u2019IA utilisent exclusivement les agents conversationnels pour prendre leurs d\u00e9cisions d\u2019investissement.<\/p>\n<p>\u00c0 lire \u00e9galement : <a href=\"https:\/\/www.toutsurmesfinances.com\/actualites\/a\/services-financiers-ce-qui-change-pour-les-souscriptions-en-ligne-a-partir-du-19-juin\" target=\"_blank\" rel=\"noopener\">Services financiers : ce qui change pour les souscriptions en ligne \u00e0 partir du 19 juin<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Avant de souscrire un produit financier, 11% des personnes interrog\u00e9es consultent un agent d\u2019intelligence artificielle. Le pourcentage grimpe \u00e0 19% chez les jeunes.<\/p>\n","protected":false},"author":13713,"featured_media":889,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-888","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-a-la-une"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Placement\u00a0: plus d\u2019un Fran\u00e7ais sur dix utilisent l\u2019IA<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.toutsurmesfinances.com\/actualites\/a\/placement-plus-dun-francais-sur-dix-utilisent-lia\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Placement\u00a0: plus d\u2019un Fran\u00e7ais sur dix utilisent l\u2019IA\" \/>\n<meta property=\"og:description\" content=\"Avant de souscrire un produit financier, 11% des personnes interrog\u00e9es consultent un agent d\u2019intelligence artificielle. 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