Les règlementations des gouvernements et la pression sociétale grandissante obligent les grands émetteurs de gaz à effets de serre (GES), principalement le dioxyde de carbone (CO2), à réviser leur empreinte environnementale. Avec l’augmentation quasi exponentielle de la taxe carbone au Canada, l’incitatif au virage vert devient non seulement environnemental, mais aussi économique. Au travers d’une […]

Online banking and cashless payment options are seemingly everywhere but remain difficult or inaccessible to many Canadians. Much is already known for how to make these systems work better for a broader range of citizens, but this know-how is spread across many documents and reports, limiting its ability to guide the design of new systems. […]

Business industries are either experiencing or expected to face the challenge of big data. Big data brings trouble to traditional data mining algorithms. Building a machine learning credit scoring algorithm under the big data scenario, offers ATB financial the framework which improve the efficiency and the running speed compared with traditional data mining algorithms, especially […]

Desjardins General Insurance proposes different types of P&C (property and casualty) coverage to its clients. Properly rating an insurance premium to cover for P&C losses requires complex modelling that uses variables that are both at the individual and at the spatial level. In general, including a spatial component in the modelling is challenging. At Desjardins, […]

The proposed research project aims to develop new class of antibiotics targeting bacterial ATPsynthase for difficult-to-treat bacterial infections, particularly those involving Staphylococcus aureus or Escherichia coli. To do so, one post-doctoral fellow will be recruited in the lab of Pr. P-L Boudreault (Université de Sherbrooke), to work on the synthesis of small molecule analogs. This […]

Like most living organisms, the life cycle of a business can be divided into distinct, complex phases. These life stages are determined by various internal and external factors such as financial resource availability, managerial ability, and market conditions. The ability to model firm life stages would help financial institutions (FIs) such as ATB identify and […]

The National Bank of Canada (BNC) is integrating artificial intelligence (AI) in their software development processes. Within their software projects, the team is continuously improving solutions and integrating them within the organization. A key issue in the development and integration cycle is allocating team resources to different tasks. Short-term development tasks (completed under “sprints” in […]

ATB conducts enterprise-wide stress tests regularly in line with regulatory requirements such as for the annual Internal Capital Adequacy Assessment Process (ICAAP) and for quarterly reporting purposes. This requires forecasting a conditional pro-forma financial statement over a three-year period and the resulting key risk ratios. Credit losses tend to have the largest impact under most […]

Nowadays, the banking sector has undergone a massive transformation of its services from e-banking to smart banking that implements modern technologies to provide a more innovative experience for customers. This project addresses the challenge of providing a smart banking conversational service as a new-generation self-service in order to improve customer experience and satisfaction. The purpose […]

iA Groupe financier est un groupement de sociétés d’assurance et de gestion de patrimoine des plus importants au Canada. Plus de la moitié des personnes couvertes par iA viennent du Québec. Le 6 juillet 2021, Régie d’assurance maladie du Québec (RAMQ) a annoncé une transition des patients utilisant des médicaments biologiques de référence, c’est-à-dire des […]

ATB Financial Business Credit aims to improve the velocity of credit applications through ATB’s internal adjudication processes while at the same time maintaining or improving the risk profile (“quality”) of ATB’s commercial portfolio. ATB has determined that automating the credit application process over the next 1 to 2 years is the solution to achieving the […]

Ce projet cherche à comprendre, en temps réel, la culture d’affaires coopérative et ses composantes. Elle vise à documenter les facteurs et les conditions de succès du passage d’une culture d’affaires vers une culture d’affaires coopérative. Les gestionnaires jouent un rôle de premier plan dans la façon de mettre en oeuvre les pratiques de gestion […]