{"id":3404,"date":"2026-10-23T17:10:06","date_gmt":"2026-10-23T22:10:06","guid":{"rendered":"https:\/\/accendoassociates.com\/?page_id=3404"},"modified":"2026-10-23T17:20:36","modified_gmt":"2026-10-23T22:20:36","slug":"ai-cdem-heartbeat","status":"publish","type":"page","link":"https:\/\/accendoassociates.com\/fr\/ai-cdem-heartbeat\/","title":{"rendered":"AI-CDEM Heartbeat"},"content":{"rendered":"<div class=\"acc-offer acc-circle acc-heartbeat\" id=\"top\">\n\n  <!-- HERO -->\n  <section class=\"hero\" style=\"position: relative; overflow: hidden;\">\n    <div class=\"wrap\" style=\"position: relative; z-index: 2;\">\n      <div class=\"hb-hero\">\n        <div class=\"hero-text\">\n          <div class=\"eyebrow\"><a href=\"https:\/\/signals.accendoassociates.com\" style=\"color:inherit;text-decoration:none;\">Accendo Signals<\/a> | AI-CDEM Heartbeat<\/div>\n          <h1>Tracking the Enabling Environment for Digital and AI<\/h1>\n          <p class=\"hb-finding\">Edition 1: Central banks are writing the AI rules for lenders. Six of the eight changes in 2026 came from central banks, and AI and data rules moved in 14 of 15 markets.<\/p>\n          <p class=\"hero-copy\">A free quarterly tracker of AI regulation in emerging markets: the rules that govern how lenders use AI and client data in 15 markets. The latest edition is ready now.<\/p>\n          <div class=\"hero-actions\">\n            <a class=\"btn\" href=\"#signup\">Get the Latest Edition \u2192<\/a>\n            <a class=\"btn btn-outline\" href=\"#sowhat\">What it means<\/a>\n          <\/div>\n        <\/div>\n        <div class=\"hb-preview\">\n          <a href=\"#signup\"><img data-recalc-dims=\"1\" decoding=\"async\" src=\"https:\/\/i0.wp.com\/accendoassociates.com\/wp-content\/uploads\/2026\/10\/ai-cdem-heartbeat-edition-1-preview.webp?w=1300&#038;ssl=1\" alt=\"Page 1 of the latest AI-CDEM Heartbeat\" loading=\"lazy\"><\/a>\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/section>\n\n  <!-- SIGN UP -->\n  <section class=\"section light\" id=\"signup\">\n    <div class=\"wrap\">\n      <div class=\"section-head\">\n        <div class=\"section-label\">Sign up free<\/div>\n        <div class=\"section-line\"><\/div>\n      <\/div>\n      <h2 class=\"section-title\">Get the Latest Edition<\/h2>\n      <p class=\"section-lead\">Choose the markets you follow. You get the latest edition now, then one page per market each quarter.<\/p>\n      <div class=\"baseline-form\" style=\"margin-top:32px;\">\n<div class=\"forminator-ui forminator-custom-form forminator-custom-form-3427 forminator-design--default forminator-custom forminator_ajax\" data-forminator-render=\"0\" data-form=\"forminator-module-3427\" data-uid=\"6adc900f3906d\"><br\/><\/div><form\r\n\t\t\t\tid=\"forminator-module-3427\"\r\n\t\t\t\tclass=\"forminator-ui forminator-custom-form forminator-custom-form-3427 forminator-design--default forminator-custom forminator_ajax\"\r\n\t\t\t\tmethod=\"post\"\r\n\t\t\t\tdata-forminator-render=\"0\"\r\n\t\t\t\tdata-form-id=\"3427\"\r\n\t\t\t\t data-color-option=\"theme\" data-design=\"default\" data-grid=\"custom\" style=\"display: none;\"\r\n\t\t\t\tdata-uid=\"6adc900f3906d\" action=\"\"\r\n\t\t\t><div role=\"alert\" aria-live=\"polite\" class=\"forminator-response-message forminator-error\" aria-hidden=\"true\"><\/div><div class=\"forminator-row\"><div id=\"name-1\" class=\"forminator-field-name forminator-col forminator-col-12\"><div class=\"forminator-field\"><label for=\"forminator-field-name-1_6adc900f3906d\" id=\"forminator-field-name-1_6adc900f3906d-label\" class=\"forminator-label\">Nom <span class=\"forminator-required\">*<\/span><\/label><input type=\"text\" name=\"name-1\" value=\"\" placeholder=\"Ex. : Marie Dupont\" id=\"forminator-field-name-1_6adc900f3906d\" class=\"forminator-input forminator-name--field\" aria-required=\"true\" autocomplete=\"name\" \/><\/div><\/div><\/div><div class=\"forminator-row\"><div id=\"email-1\" class=\"forminator-field-email forminator-col forminator-col-12\"><div class=\"forminator-field\"><label for=\"forminator-field-email-1_6adc900f3906d\" id=\"forminator-field-email-1_6adc900f3906d-label\" class=\"forminator-label\">E-mail professionnel <span class=\"forminator-required\">*<\/span><\/label><input type=\"email\" name=\"email-1\" value=\"\" placeholder=\"name@organization.com\" id=\"forminator-field-email-1_6adc900f3906d\" class=\"forminator-input forminator-email--field\" data-required=\"1\" aria-required=\"true\" autocomplete=\"email\" \/><\/div><\/div><\/div><div class=\"forminator-row\"><div id=\"text-1\" class=\"forminator-field-text forminator-col forminator-col-12\"><div class=\"forminator-field\"><label for=\"forminator-field-text-1_6adc900f3906d\" id=\"forminator-field-text-1_6adc900f3906d-label\" class=\"forminator-label\">Organisation <span class=\"forminator-required\">*<\/span><\/label><input type=\"text\" name=\"text-1\" value=\"\" placeholder=\"\" id=\"forminator-field-text-1_6adc900f3906d\" class=\"forminator-input forminator-name--field\" data-required=\"1\" \/><\/div><\/div><\/div><div class=\"forminator-row\"><div id=\"text-2\" class=\"forminator-field-text forminator-col forminator-col-12\"><div class=\"forminator-field\"><label for=\"forminator-field-text-2_6adc900f3906d\" id=\"forminator-field-text-2_6adc900f3906d-label\" class=\"forminator-label\">Organization website<\/label><input type=\"text\" name=\"text-2\" value=\"\" placeholder=\"https:\/\/\" id=\"forminator-field-text-2_6adc900f3906d\" class=\"forminator-input forminator-name--field\" data-required=\"\" \/><\/div><\/div><\/div><div class=\"forminator-row\"><div id=\"select-1\" class=\"forminator-field-select forminator-col forminator-col-12\"><div class=\"forminator-field\"><label for=\"forminator-form-3427__field--select-1_6adc900f3906d\" id=\"forminator-form-3427__field--select-1_6adc900f3906d-label\" class=\"forminator-label\">Organization type <span class=\"forminator-required\">*<\/span><\/label><select  id=\"forminator-form-3427__field--select-1_6adc900f3906d\" class=\"forminator-select--field forminator-select2 forminator-select2-multiple\" data-required=\"1\" name=\"select-1\" data-default-value=\"\" data-hidden-behavior=\"zero\" data-placeholder=\"Select organization type\" data-search=\"false\" data-search-placeholder=\"Select organization type\" data-checkbox=\"false\" data-allow-clear=\"false\" aria-labelledby=\"forminator-form-3427__field--select-1_6adc900f3906d-label\"><option value=\"\"  >Select organization type<\/option><option value=\"development-finance-institution\"  data-calculation=\"0\">Development finance institution<\/option><option value=\"impact-fund-or-asset-manager\"  data-calculation=\"0\">Impact fund or asset manager<\/option><option value=\"foundation-or-philanthropy\"  data-calculation=\"0\">Foundation or philanthropy<\/option><option value=\"bank-mfi-lender-or-fintech\"  data-calculation=\"0\">Bank, MFI, lender or fintech<\/option><option value=\"other\"  data-calculation=\"0\">Autre<\/option><\/select><\/div><\/div><\/div><div class=\"forminator-row\"><div id=\"text-3\" class=\"forminator-field-text forminator-col forminator-col-12\"><div class=\"forminator-field\"><label for=\"forminator-field-text-3_6adc900f3906d\" id=\"forminator-field-text-3_6adc900f3906d-label\" class=\"forminator-label\">Votre r\u00f4le<\/label><input type=\"text\" name=\"text-3\" value=\"\" placeholder=\"For example, ESG officer or investment director\" id=\"forminator-field-text-3_6adc900f3906d\" class=\"forminator-input forminator-name--field\" data-required=\"\" \/><\/div><\/div><\/div><div class=\"forminator-row\"><div id=\"checkbox-1\" class=\"forminator-field-checkbox forminator-col forminator-col-12\"><div role=\"group\" class=\"forminator-field required\" aria-labelledby=\"forminator-checkbox-group-forminator-field-checkbox-1-6adc900f3906d-label\"><span id=\"forminator-checkbox-group-forminator-field-checkbox-1-6adc900f3906d-label\" class=\"forminator-label\">Markets that are of interest to you <span class=\"forminator-required\">*<\/span><\/span><span id=\"forminator-field-checkbox-1-6adc900f3906d-description\" class=\"forminator-description\">Choose one or more. Your choice decides the market pages you receive each quarter.<\/span><label id=\"forminator-field-checkbox-1-1-6adc900f3906d-label\" for=\"forminator-field-checkbox-1-1-6adc900f3906d\" class=\"forminator-checkbox forminator-checkbox-inline\" title=\"Bangladesh\"><input type=\"checkbox\" name=\"checkbox-1[]\" value=\"bangladesh\" id=\"forminator-field-checkbox-1-1-6adc900f3906d\" aria-labelledby=\"forminator-field-checkbox-1-1-6adc900f3906d-label\" data-calculation=\"0\"   data-hidden-behavior=\"zero\" aria-describedby=\"forminator-field-checkbox-1-6adc900f3906d-description\"\/><span class=\"forminator-checkbox-box\" aria-hidden=\"true\"><\/span><span class=\"forminator-checkbox-label\">Bangladesh<\/span><\/label><label id=\"forminator-field-checkbox-1-2-6adc900f3906d-label\" for=\"forminator-field-checkbox-1-2-6adc900f3906d\" class=\"forminator-checkbox forminator-checkbox-inline\" title=\"Br\u00e9sil\"><input type=\"checkbox\" name=\"checkbox-1[]\" value=\"brazil\" id=\"forminator-field-checkbox-1-2-6adc900f3906d\" aria-labelledby=\"forminator-field-checkbox-1-2-6adc900f3906d-label\" data-calculation=\"0\"   data-hidden-behavior=\"zero\" aria-describedby=\"forminator-field-checkbox-1-6adc900f3906d-description\"\/><span class=\"forminator-checkbox-box\" aria-hidden=\"true\"><\/span><span class=\"forminator-checkbox-label\">Br\u00e9sil<\/span><\/label><label id=\"forminator-field-checkbox-1-3-6adc900f3906d-label\" for=\"forminator-field-checkbox-1-3-6adc900f3906d\" class=\"forminator-checkbox forminator-checkbox-inline\" title=\"Cambodge\"><input type=\"checkbox\" name=\"checkbox-1[]\" value=\"cambodia\" id=\"forminator-field-checkbox-1-3-6adc900f3906d\" aria-labelledby=\"forminator-field-checkbox-1-3-6adc900f3906d-label\" data-calculation=\"0\"   data-hidden-behavior=\"zero\" aria-describedby=\"forminator-field-checkbox-1-6adc900f3906d-description\"\/><span class=\"forminator-checkbox-box\" aria-hidden=\"true\"><\/span><span class=\"forminator-checkbox-label\">Cambodge<\/span><\/label><label id=\"forminator-field-checkbox-1-4-6adc900f3906d-label\" for=\"forminator-field-checkbox-1-4-6adc900f3906d\" class=\"forminator-checkbox forminator-checkbox-inline\" title=\"Colombie\"><input type=\"checkbox\" name=\"checkbox-1[]\" value=\"colombia\" id=\"forminator-field-checkbox-1-4-6adc900f3906d\" aria-labelledby=\"forminator-field-checkbox-1-4-6adc900f3906d-label\" data-calculation=\"0\"   data-hidden-behavior=\"zero\" aria-describedby=\"forminator-field-checkbox-1-6adc900f3906d-description\"\/><span class=\"forminator-checkbox-box\" aria-hidden=\"true\"><\/span><span class=\"forminator-checkbox-label\">Colombie<\/span><\/label><label id=\"forminator-field-checkbox-1-5-6adc900f3906d-label\" for=\"forminator-field-checkbox-1-5-6adc900f3906d\" class=\"forminator-checkbox forminator-checkbox-inline\" title=\"\u00c9gypte\"><input type=\"checkbox\" name=\"checkbox-1[]\" value=\"egypt\" id=\"forminator-field-checkbox-1-5-6adc900f3906d\" aria-labelledby=\"forminator-field-checkbox-1-5-6adc900f3906d-label\" data-calculation=\"0\"   data-hidden-behavior=\"zero\" aria-describedby=\"forminator-field-checkbox-1-6adc900f3906d-description\"\/><span class=\"forminator-checkbox-box\" aria-hidden=\"true\"><\/span><span class=\"forminator-checkbox-label\">\u00c9gypte<\/span><\/label><label id=\"forminator-field-checkbox-1-6-6adc900f3906d-label\" for=\"forminator-field-checkbox-1-6-6adc900f3906d\" class=\"forminator-checkbox forminator-checkbox-inline\" title=\"Ghana\"><input type=\"checkbox\" name=\"checkbox-1[]\" value=\"ghana\" id=\"forminator-field-checkbox-1-6-6adc900f3906d\" aria-labelledby=\"forminator-field-checkbox-1-6-6adc900f3906d-label\" data-calculation=\"0\"   data-hidden-behavior=\"zero\" aria-describedby=\"forminator-field-checkbox-1-6adc900f3906d-description\"\/><span class=\"forminator-checkbox-box\" aria-hidden=\"true\"><\/span><span class=\"forminator-checkbox-label\">Ghana<\/span><\/label><label id=\"forminator-field-checkbox-1-7-6adc900f3906d-label\" for=\"forminator-field-checkbox-1-7-6adc900f3906d\" class=\"forminator-checkbox forminator-checkbox-inline\" title=\"Inde\"><input type=\"checkbox\" name=\"checkbox-1[]\" value=\"india\" id=\"forminator-field-checkbox-1-7-6adc900f3906d\" aria-labelledby=\"forminator-field-checkbox-1-7-6adc900f3906d-label\" data-calculation=\"0\"   data-hidden-behavior=\"zero\" aria-describedby=\"forminator-field-checkbox-1-6adc900f3906d-description\"\/><span class=\"forminator-checkbox-box\" aria-hidden=\"true\"><\/span><span class=\"forminator-checkbox-label\">Inde<\/span><\/label><label id=\"forminator-field-checkbox-1-8-6adc900f3906d-label\" for=\"forminator-field-checkbox-1-8-6adc900f3906d\" class=\"forminator-checkbox forminator-checkbox-inline\" title=\"Indon\u00e9sie\"><input type=\"checkbox\" name=\"checkbox-1[]\" value=\"indonesia\" id=\"forminator-field-checkbox-1-8-6adc900f3906d\" aria-labelledby=\"forminator-field-checkbox-1-8-6adc900f3906d-label\" data-calculation=\"0\"   data-hidden-behavior=\"zero\" aria-describedby=\"forminator-field-checkbox-1-6adc900f3906d-description\"\/><span class=\"forminator-checkbox-box\" aria-hidden=\"true\"><\/span><span class=\"forminator-checkbox-label\">Indon\u00e9sie<\/span><\/label><label id=\"forminator-field-checkbox-1-9-6adc900f3906d-label\" for=\"forminator-field-checkbox-1-9-6adc900f3906d\" class=\"forminator-checkbox forminator-checkbox-inline\" title=\"Kenya\"><input type=\"checkbox\" name=\"checkbox-1[]\" value=\"kenya\" id=\"forminator-field-checkbox-1-9-6adc900f3906d\" aria-labelledby=\"forminator-field-checkbox-1-9-6adc900f3906d-label\" data-calculation=\"0\"   data-hidden-behavior=\"zero\" aria-describedby=\"forminator-field-checkbox-1-6adc900f3906d-description\"\/><span class=\"forminator-checkbox-box\" aria-hidden=\"true\"><\/span><span class=\"forminator-checkbox-label\">Kenya<\/span><\/label><label id=\"forminator-field-checkbox-1-10-6adc900f3906d-label\" for=\"forminator-field-checkbox-1-10-6adc900f3906d\" class=\"forminator-checkbox forminator-checkbox-inline\" title=\"Mexique\"><input type=\"checkbox\" name=\"checkbox-1[]\" value=\"mexico\" id=\"forminator-field-checkbox-1-10-6adc900f3906d\" aria-labelledby=\"forminator-field-checkbox-1-10-6adc900f3906d-label\" data-calculation=\"0\"   data-hidden-behavior=\"zero\" aria-describedby=\"forminator-field-checkbox-1-6adc900f3906d-description\"\/><span class=\"forminator-checkbox-box\" aria-hidden=\"true\"><\/span><span class=\"forminator-checkbox-label\">Mexique<\/span><\/label><label id=\"forminator-field-checkbox-1-11-6adc900f3906d-label\" for=\"forminator-field-checkbox-1-11-6adc900f3906d\" class=\"forminator-checkbox forminator-checkbox-inline\" title=\"Nig\u00e9ria\"><input type=\"checkbox\" name=\"checkbox-1[]\" value=\"nigeria\" id=\"forminator-field-checkbox-1-11-6adc900f3906d\" aria-labelledby=\"forminator-field-checkbox-1-11-6adc900f3906d-label\" data-calculation=\"0\"   data-hidden-behavior=\"zero\" aria-describedby=\"forminator-field-checkbox-1-6adc900f3906d-description\"\/><span class=\"forminator-checkbox-box\" aria-hidden=\"true\"><\/span><span class=\"forminator-checkbox-label\">Nig\u00e9ria<\/span><\/label><label id=\"forminator-field-checkbox-1-12-6adc900f3906d-label\" for=\"forminator-field-checkbox-1-12-6adc900f3906d\" class=\"forminator-checkbox forminator-checkbox-inline\" title=\"Pakistan\"><input type=\"checkbox\" name=\"checkbox-1[]\" value=\"pakistan\" id=\"forminator-field-checkbox-1-12-6adc900f3906d\" aria-labelledby=\"forminator-field-checkbox-1-12-6adc900f3906d-label\" data-calculation=\"0\"   data-hidden-behavior=\"zero\" aria-describedby=\"forminator-field-checkbox-1-6adc900f3906d-description\"\/><span class=\"forminator-checkbox-box\" aria-hidden=\"true\"><\/span><span class=\"forminator-checkbox-label\">Pakistan<\/span><\/label><label id=\"forminator-field-checkbox-1-13-6adc900f3906d-label\" for=\"forminator-field-checkbox-1-13-6adc900f3906d\" class=\"forminator-checkbox forminator-checkbox-inline\" title=\"P\u00e9rou\"><input type=\"checkbox\" name=\"checkbox-1[]\" value=\"peru\" id=\"forminator-field-checkbox-1-13-6adc900f3906d\" aria-labelledby=\"forminator-field-checkbox-1-13-6adc900f3906d-label\" data-calculation=\"0\"   data-hidden-behavior=\"zero\" aria-describedby=\"forminator-field-checkbox-1-6adc900f3906d-description\"\/><span class=\"forminator-checkbox-box\" aria-hidden=\"true\"><\/span><span class=\"forminator-checkbox-label\">P\u00e9rou<\/span><\/label><label id=\"forminator-field-checkbox-1-14-6adc900f3906d-label\" for=\"forminator-field-checkbox-1-14-6adc900f3906d\" class=\"forminator-checkbox forminator-checkbox-inline\" title=\"Philippines\"><input type=\"checkbox\" name=\"checkbox-1[]\" value=\"philippines\" id=\"forminator-field-checkbox-1-14-6adc900f3906d\" aria-labelledby=\"forminator-field-checkbox-1-14-6adc900f3906d-label\" data-calculation=\"0\"   data-hidden-behavior=\"zero\" aria-describedby=\"forminator-field-checkbox-1-6adc900f3906d-description\"\/><span class=\"forminator-checkbox-box\" aria-hidden=\"true\"><\/span><span class=\"forminator-checkbox-label\">Philippines<\/span><\/label><label id=\"forminator-field-checkbox-1-15-6adc900f3906d-label\" for=\"forminator-field-checkbox-1-15-6adc900f3906d\" class=\"forminator-checkbox forminator-checkbox-inline\" title=\"Ouganda\"><input type=\"checkbox\" name=\"checkbox-1[]\" value=\"uganda\" id=\"forminator-field-checkbox-1-15-6adc900f3906d\" aria-labelledby=\"forminator-field-checkbox-1-15-6adc900f3906d-label\" data-calculation=\"0\"   data-hidden-behavior=\"zero\" aria-describedby=\"forminator-field-checkbox-1-6adc900f3906d-description\"\/><span class=\"forminator-checkbox-box\" aria-hidden=\"true\"><\/span><span class=\"forminator-checkbox-label\">Ouganda<\/span><\/label><\/div><\/div><\/div><div class=\"forminator-row\"><div id=\"textarea-1\" class=\"forminator-field-textarea forminator-col forminator-col-12\"><div class=\"forminator-field\"><label for=\"forminator-field-textarea-1_6adc900f3906d\" id=\"forminator-field-textarea-1_6adc900f3906d-label\" class=\"forminator-label\">Other markets that matter to you (optional)<\/label><span id=\"forminator-field-textarea-1_6adc900f3906d-description\" class=\"forminator-description\">This informs which markets we add next. It is not a request for coverage.<\/span><textarea name=\"textarea-1\" placeholder=\"\" id=\"forminator-field-textarea-1_6adc900f3906d\" class=\"forminator-textarea\" style=\"--forminator-textarea-min-height:140px;\" aria-describedby=\"forminator-field-textarea-1_6adc900f3906d-description\" ><\/textarea><\/div><\/div><\/div><div class=\"forminator-row\"><div id=\"checkbox-2\" class=\"forminator-field-checkbox forminator-col forminator-col-12\"><div role=\"group\" class=\"forminator-field required\" aria-labelledby=\"forminator-checkbox-group-forminator-field-checkbox-2-6adc900f3906d-label\"><span id=\"forminator-checkbox-group-forminator-field-checkbox-2-6adc900f3906d-label\" class=\"forminator-label\">Consentement <span class=\"forminator-required\">*<\/span><\/span><label id=\"forminator-field-checkbox-2-1-6adc900f3906d-label\" for=\"forminator-field-checkbox-2-1-6adc900f3906d\" class=\"forminator-checkbox\" title=\"Send me the AI-CDEM Heartbeat now and each quarter, and occasional follow-up from Accendo about it. I can unsubscribe at any time.\"><input type=\"checkbox\" name=\"checkbox-2[]\" value=\"consent-yes\" id=\"forminator-field-checkbox-2-1-6adc900f3906d\" aria-labelledby=\"forminator-field-checkbox-2-1-6adc900f3906d-label\" data-calculation=\"0\"   data-hidden-behavior=\"zero\"\/><span class=\"forminator-checkbox-box\" aria-hidden=\"true\"><\/span><span class=\"forminator-checkbox-label\">Send me the AI-CDEM Heartbeat now and each quarter, and occasional follow-up from Accendo about it. I can unsubscribe at any time.<\/span><\/label><\/div><\/div><\/div><div class=\"forminator-row forminator-hidden\"><div id=\"hidden-1\" class=\"forminator-field-hidden  forminator-col-12\"><input type=\"hidden\" id=\"hidden-1_6adc900f3906d\" name=\"hidden-1\" value=\"\" \/><\/div><\/div><input type=\"hidden\" name=\"referer_url\" value=\"\" \/><div class=\"forminator-row forminator-row-last\"><div class=\"forminator-col\"><div class=\"forminator-field\"><button class=\"forminator-button forminator-button-submit\">Sign up free<\/button><\/div><\/div><\/div><input type=\"hidden\" id=\"forminator_nonce\" name=\"forminator_nonce\" value=\"08f84eeccb\" \/><input type=\"hidden\" name=\"_wp_http_referer\" value=\"\/fr\/wp-json\/wp\/v2\/pages\/3404\" \/><input type=\"hidden\" name=\"form_id\" value=\"3427\"><input type=\"hidden\" name=\"page_id\" value=\"3404\"><input type=\"hidden\" name=\"form_type\" value=\"default\"><input type=\"hidden\" name=\"current_url\" value=\"https:\/\/accendoassociates.com\/fr\/ai-cdem-heartbeat\/\"><input type=\"hidden\" name=\"render_id\" value=\"0\"><input type=\"hidden\" name=\"action\" value=\"forminator_submit_form_custom-forms\"><label for=\"input_11\" class=\"forminator-hidden\" aria-hidden=\"true\">Please do not fill in this field. <input id=\"input_11\" type=\"text\" name=\"input_11\" value=\"\" autocomplete=\"off\"><\/label><input type=\"hidden\" name=\"trp-form-language\" value=\"fr\"\/><\/form>\n      <\/div>\n      <p class=\"form-note\" style=\"margin-top:1.5rem;\">We use your details to send the AI-CDEM Heartbeat and to follow up about it. You can <a href=\"\/fr\/ai-cdem-heartbeat\/unsubscribe\/\">unsubscribe<\/a> at any time. See our <a href=\"\/fr\/privacy-policy\/\">politique de confidentialit\u00e9<\/a>. Questions? <a href=\"mailto:aicircle@accendoassociates.com\">aicircle@accendoassociates.com<\/a>. Not legal advice.<\/p>\n    <\/div>\n  <\/section>\n\n  <!-- SO WHAT -->\n  <section class=\"section\" id=\"sowhat\">\n    <div class=\"wrap\">\n      <div class=\"section-head\">\n        <div class=\"section-label\">What it means for investors<\/div>\n        <div class=\"section-line\"><\/div>\n      <\/div>\n      <h2 class=\"section-title\">Supervisors and Data Authorities Set the Pace<\/h2>\n      <div class=\"hb-grid hb-grid-3\">\n        <div class=\"hb-item\"><h3>Supervisors lead<\/h3><p>Central bank and data protection rules now govern AI in lending. Only Peru has an economy-wide AI law in force.<\/p><\/div>\n        <div class=\"hb-item\"><h3>The data rails are in place<\/h3><p>Credit bureaus, digital lending rules and e-KYC are in force in most markets, while rules on hosting and sharing client data tighten.<\/p><\/div>\n        <div class=\"hb-item\"><h3>Each market differs<\/h3><p>A fund backing lenders in several markets faces different hosting, consent and model rules in each.<\/p><\/div>\n      <\/div>\n    <\/div>\n  <\/section>\n\n  <!-- ABOUT CDEM -->\n  <section class=\"section light\" id=\"cdem\">\n    <div class=\"wrap\">\n      <div class=\"section-head\">\n        <div class=\"section-label\">About the AI-CDEM Heartbeat<\/div>\n        <div class=\"section-line\"><\/div>\n      <\/div>\n      <h2 class=\"section-title\">How We Track AI Regulation in Emerging Markets<\/h2>\n      <div class=\"hb-grid hb-grid-3\">\n        <div class=\"hb-item\"><h3>What the CDEM is<\/h3><p>Accendo&#8217;s Country Digital Enabling Matrix (CDEM) scores the enabling environment for AI in a market across 36 factors. The Heartbeat tracks the eight rule areas that matter most to lenders.<\/p><\/div>\n        <div class=\"hb-item\"><h3>How we collect the data<\/h3><p>Every status rests on an official law, regulation or notice. We use AI-assisted desk research and an independent second check, and repeat the work each quarter.<\/p><\/div>\n        <div class=\"hb-item\"><h3>Pourquoi c\u2019est important<\/h3><p>These rules decide what a lender can build with AI, what compliance costs and when it is due.<\/p><\/div>\n      <\/div>\n      <div class=\"hb-markets\">\n        <p><b>Rule areas<\/b> AI law and governance | Data protection | Data transfer and cloud | AI in credit decisions | Digital lending | Credit data | Digital ID and e-KYC | Open finance<\/p>\n        <p><b>Markets<\/b> Bangladesh | Brazil | Cambodia | Colombia | Egypt | Ghana | India | Indonesia | Kenya | Mexico | Nigeria | Pakistan | Peru | Philippines | Uganda<\/p>\n      <\/div>\n    <\/div>\n  <\/section>\n\n  <!-- PORTFOLIO -->\n  <section class=\"section\" id=\"portfolio\">\n    <div class=\"wrap\">\n      <div class=\"section-head\">\n        <div class=\"section-label\">For your portfolio<\/div>\n        <div class=\"section-line\"><\/div>\n      <\/div>\n      <h2 class=\"section-title\">What the Rules Mean for Your Companies<\/h2>\n      <p class=\"section-lead\">Accendo clients get the portfolio view: which companies each rule touches, board questions, deadline alerts and markets beyond these 15.<\/p>\n      <div style=\"margin-top:2rem;\"><a class=\"btn btn-outline\" href=\"mailto:aicircle@accendoassociates.com?subject=AI-CDEM%20Heartbeat%3A%2030-minute%20call\">Email Accendo to book a 30-minute call<\/a><\/div>\n    <\/div>\n  <\/section>\n\n  <style>\n    .acc-heartbeat .hb-hero{display:grid;grid-template-columns:minmax(0,1.25fr) minmax(0,.75fr);gap:48px;align-items:center}\n    .acc-heartbeat .hb-preview img{display:block;width:100%;height:auto;border-radius:12px;box-shadow:0 18px 40px rgba(10,10,10,.14);border:1px solid #e5e5e5}\n    .acc-heartbeat .hb-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px;margin-top:32px}\n    .acc-heartbeat .hb-item{background:#eceae5;border-radius:16px;padding:22px 22px 20px}\n    .acc-heartbeat .light .hb-item{background:#fff}\n    .acc-heartbeat .hb-item h3{font-family:Archivo,sans-serif;font-weight:500;letter-spacing:-0.02em;font-size:19px;line-height:1.2;margin:0 0 8px;color:#0a0a0a}\n    .acc-heartbeat .hb-item p{margin:0;font-size:15px;line-height:1.5;color:#4b4b4b}\n    .acc-heartbeat .hb-finding{font-family:Archivo,sans-serif;font-weight:500;font-size:21px;line-height:1.35;letter-spacing:-0.01em;color:#ff4f59;margin:0 0 18px;max-width:640px}\n    .acc-heartbeat .hb-markets{margin-top:28px}\n    .acc-heartbeat .hb-markets p{margin:0 0 8px;font-size:15px;line-height:1.6;color:#4b4b4b}\n    .acc-heartbeat .hb-markets b{font-family:Archivo,sans-serif;font-weight:700;font-size:13px;letter-spacing:.05em;text-transform:uppercase;color:#e30613;margin-right:10px}\n    @media (max-width:980px){.acc-heartbeat .hb-grid{grid-template-columns:1fr}.acc-heartbeat .hb-hero{grid-template-columns:1fr}.acc-heartbeat .hb-preview{max-width:420px}}\n  <\/style>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Accendo Signals | AI-CDEM Heartbeat Tracking the Enabling Environment for Digital and AI Edition 1: Central banks are writing the AI rules for lenders. 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