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This dissertation explores the future of scoring in the insurance industry, a revolution in the age of digitalization and Big Data. This system enables accurate risk assessment, promoting personalized premiums and better fraud detection, while raising ethical issues such as transparency and data protection. You analyze legal impacts, technological innovations (AI, IoT), and challenges related to discrimination and the principle of risk pooling. Your aim is to reconcile the benefits of scoring with the values of solidarity, proposing solutions for an ethical and responsible application of this emerging technology.