Glossary entry (derived from question below)
English term or phrase:
ROI from 5-8×
French translation:
ROI de 500% à 800%
Added to glossary by
Tony M
Feb 16, 2019 15:05
5 yrs ago
English term
France
Traductrice assermentée / Trad. jurada
Native in: French 
Works in: Spanish to French, English to French, French to Spanish
ROI from 5-8x
English to French
Other
Finance (general)
Retour sur investissement
*** benefits:
• Identify more fraud
75% average hit rate (compared to 35% industry average)
• Realize powerful business ROI from 5-8x
• Improve fraud handler productivity with fewer false positives/negatives
On présente ici les avantages d'une solution informatique de détection de fraude dans le secteur des assurances.
Je ne sais pas comment rendre la traduction des nombres... Vu que le ROI s'exprime il me semble en pourcentage, ou alors en années ?
ou alors il s'agit d'un ROI de 5 à 8 fois plus important ? ou multiplié par 5-8 ?
Merci de vos lumières
• Identify more fraud
75% average hit rate (compared to 35% industry average)
• Realize powerful business ROI from 5-8x
• Improve fraud handler productivity with fewer false positives/negatives
On présente ici les avantages d'une solution informatique de détection de fraude dans le secteur des assurances.
Je ne sais pas comment rendre la traduction des nombres... Vu que le ROI s'exprime il me semble en pourcentage, ou alors en années ?
ou alors il s'agit d'un ROI de 5 à 8 fois plus important ? ou multiplié par 5-8 ?
Merci de vos lumières
Proposed translations
(French)
| 3 +1 | de 500% à 800% |
Tony M
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| 4 | Un outil puissant permettant de recouper de 5 à 8 fois les coûts de détection de fraude |
Daryo
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Change log
May 3, 2019 20:12: Tony M changed "Edited KOG entry" from "<a href="/profile/689838">Marion Delarue's</a> old entry - "ROI from 5-8x"" to ""de 500% à 800%""
Proposed translations
+1
1 hr
English term (edited):
from 5-8x
Selected
de 500% à 800%
Personally, I can't quote FR rules, but it seems to me only logical to keep to percentages (i.e. of your investment)
It does not mean that the ROI is that much greater (than something else?), as you wondered in your question.
I have seen people use 'fois 5' (in other contexts), but not sure if that would really work with ROI; and cf. Biblical expressions like "...and shall reap the benefits an hundredfold"!
I see the internatioanl acronym ROI used all the time in FR docs, and from some of the most authortitative and influential figures in the financial world (sometimes with an explanation if necessary)
I understand that the Canadian linguistic perspective is quite different as to the use of anglicisims; however, over here in France, there is even a certain 'cachet' in using English terms, as well as a sensible tendency to consistently employ internationally-recognized acronyms.
In any case, Asker seems really to be asking about expressing the actual figures, which is why I have deliberately left the 'ROI' part out of my suggestion.
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Note added at 1 hr (2019-02-16 16:43:41 GMT)
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One of the reasons I suspect the French use 'ROI' a lot is because there seems to be so little consensus on which of the several 'native FR' expressions to use instead :-)
It does not mean that the ROI is that much greater (than something else?), as you wondered in your question.
I have seen people use 'fois 5' (in other contexts), but not sure if that would really work with ROI; and cf. Biblical expressions like "...and shall reap the benefits an hundredfold"!
I see the internatioanl acronym ROI used all the time in FR docs, and from some of the most authortitative and influential figures in the financial world (sometimes with an explanation if necessary)
I understand that the Canadian linguistic perspective is quite different as to the use of anglicisims; however, over here in France, there is even a certain 'cachet' in using English terms, as well as a sensible tendency to consistently employ internationally-recognized acronyms.
In any case, Asker seems really to be asking about expressing the actual figures, which is why I have deliberately left the 'ROI' part out of my suggestion.
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Note added at 1 hr (2019-02-16 16:43:41 GMT)
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One of the reasons I suspect the French use 'ROI' a lot is because there seems to be so little consensus on which of the several 'native FR' expressions to use instead :-)
Peer comment(s):
| neutral |
Daryo
: technically correct, but replacing the vague "5 to 8 times" by 500% and 800% sounds like an overkill in precision.
6 hrs
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Thanks, Daryo! I don't think a range 'from 5 to 8' is any more nor less 'vague' than a range from '500%' to '800%'; it might have been different had it said anywhere 'around' — but luckily it doesn't!
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| agree |
Germaine
: Comme je l’ai mentionné dans la discussion et comme l’indiquent diverses sources, le pourcentage est pratiquement la norme.
1 day 5 mins
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Merci Germaine ! That's certainly been my observation; I don't think accountants really like 'N ×' etc. :-)
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4 KudoZ points awarded for this answer.
Comment: "Merci Tony !"
8 hrs
English term (edited):
Realize powerful business ROI from 5-8x
Un outil puissant permettant de recouper de 5 à 8 fois les coûts de détection de fraude
What they are comparing is the cost of chasing fraudsters and the "return" on these costs i.e. the prevented fraud.
From the way they are presenting it, this proportion must be usually lower.
Note: they used "business ROI" not simply "ROI".
From the way they are presenting it, this proportion must be usually lower.
Note: they used "business ROI" not simply "ROI".
Peer comment(s):
| neutral |
Germaine
: 1. "recouper" ne veut pas dire "couper/diminuer" // ni "recouvrer"//. 2. Powerfull renvoie à ROI, pas au logiciel. 3. "Coûts de détection..." n’est mentionné nulle part. 4. Le calcul du ROI comprend aussi le gain/la perte obtenue // Cf. discussion.
18 hrs
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"recouper" ne veut pas dire "couper/diminuer"??? I know that perfectly well - it means getting your money back - exactly the indented meaning that makes sense: "you'll get back 5-8 times the money spent on fraud detection" - WHERE is the problem ???
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Discussion
The key point is that the "business ROI" they talk about here is no more than a kind of figure of speech that has precious little to do with the (real/proper) ROI of a financial investment (where effectively a 8% per year would be a decent figure). Here it's part of the typical seller's spiel "you are not spending, you are investing ..."
You keep forgetting in your calculations that in order to get any "return" someone has to be paid to use this software, and that someone else has again to be paid to do the investigation and recovery once they are on the right trail, just buying - more exactly licencing - this software is not going to get you very far.
• Dépiste plus de fraudes - Un taux de [dépistage] [détection] [repérage] moyen de 75% (par rapport à 35% en moyenne dans l’industrie)
• Achève un retour sur l’investissement massif de 500% à 800%.
Je n’ai pas d’affinités avec les chiffres, mais supposons que le logiciel coûte 10000$; 8% = 800 $. Vraisemblablement, les pertes sont supérieures à 10 000 $, sinon il n’y a aucun intérêt à acheter. Or, si le logiciel détecte effectivement 75% des fraudes v. 35% chez la concurrence, en partant, l’acheteur peut s’attendre à diminuer ses pertes de 75%-35% = 40% = 4 000 $, ce qui indique déjà un rendement sur l’investissement supérieur à 8%.
If this software is "rented" for a weekly/monthly licence fee (as is the latest fashion in licencing software) then strictly speaking there is no "investment" AT ALL, only running costs! Thus the use of "business ROI"
pour moi le problème n'est pas tant concernant le terme ROI (que je traduirai par retour sur investissement, ou ROI. Cf références ci-après), mais sur le résultat du ROI. Selon moi le ROI exprime le gain généré par l'investissement (ici le logiciel). Un assureur investit dans le logiciel, donc cela représente un coût pour lui, mais le fait que ce logiciel lui permette de détecter des fraudes, va finalement lui faire gagner de l'argent (puisqu'il aura moins d'assurés à indemniser). Mais je ne sais toujours pas comment exprimer les chiffres... Je pense à "un retour sur investissement de l'ordre de 5% à 8%"
https://www.journaldunet.fr/business/dictionnaire-economique...
https://www.leblogdudirigeant.com/le-retour-sur-investisseme...
https://www.l-expert-comptable.com/a/52676-le-retour-sur-inv...
BTW, à propos "si l'on investit €20" - there is a question of scale: here it's more likely to be about spending (not "investing") one million euros/pounds/dollars to prevent 5 to 8 millions of losses due to fraud - that kind of figures.
Pour la façon de l’exprimer, s’il n’y avait qu’un chiffre, vous pourriez utiliser quelque chose comme "réaiser un RCI de plus du quintuple" (par exemple), mais je vois mal, ici, "...allant du quintuple à l’octuple". On rencontre aussi les ratios en tant que tels, par exemple: "un RCI de 5:1 à 8:1" ou "de 5 à 8 euros pour 1". Les pourcentages me semblent quand même plus courants.