{"id":17986,"date":"2024-09-19T17:22:00","date_gmt":"2024-09-19T22:22:00","guid":{"rendered":"https:\/\/bolttech.io\/insight\/%eb%91%98-%eb%8b%a4%ec%9d%98-%ec%9e%a5%ec%a0%90-dtc-%ec%98%a8%eb%9d%bc%ec%9d%b8-%eb%b0%8f-%ed%98%84%ec%a7%80-%ec%97%90%ec%9d%b4%ec%a0%84%ed%8a%b8%eb%a5%bc-%ec%82%ac%ec%9a%a9%ed%95%98%ec%97%ac\/"},"modified":"2024-09-19T17:22:03","modified_gmt":"2024-09-19T22:22:03","slug":"%eb%91%98-%eb%8b%a4%ec%9d%98-%ec%9e%a5%ec%a0%90-dtc-%ec%98%a8%eb%9d%bc%ec%9d%b8-%eb%b0%8f-%ed%98%84%ec%a7%80-%ec%97%90%ec%9d%b4%ec%a0%84%ed%8a%b8%eb%a5%bc-%ec%82%ac%ec%9a%a9%ed%95%98%ec%97%ac","status":"publish","type":"insight","link":"https:\/\/bolttech.io\/ko\/insights\/%eb%91%98-%eb%8b%a4%ec%9d%98-%ec%9e%a5%ec%a0%90-dtc-%ec%98%a8%eb%9d%bc%ec%9d%b8-%eb%b0%8f-%ed%98%84%ec%a7%80-%ec%97%90%ec%9d%b4%ec%a0%84%ed%8a%b8%eb%a5%bc-%ec%82%ac%ec%9a%a9%ed%95%98%ec%97%ac\/","title":{"rendered":"\ub458 \ub2e4\uc758 \uc7a5\uc810: DTC \uc628\ub77c\uc778 \ubc0f \ud604\uc9c0 \uc5d0\uc774\uc804\ud2b8\ub97c \uc0ac\uc6a9\ud558\uc5ec \ub354 \ub9ce\uc740 \ubcf4\ud5d8 \ud310\ub9e4"},"content":{"rendered":"\n

\uc778\ud130\ub137\uc758 \ubd80\uc0c1\uc73c\ub85c \uc628\ub77c\uc778\uc5d0\uc11c \uc218\ud589\ub418\ub294 \ube44\uc988\ub2c8\uc2a4\uac00 \ud3ed\ubc1c\uc801\uc73c\ub85c \uc99d\uac00\ud588\uc2b5\ub2c8\ub2e4.\n\uc624\ub298\ub0a0 \uace0\uac1d\ub4e4\uc740 \uc591\ub9d0\uacfc \ud1a0\uc2a4\ud130\uc5d0\uc11c \uc8fc\ud0dd \ubc0f \uc790\ub3d9\ucc28 \ubcf4\ud5d8\uc5d0 \uc774\ub974\uae30\uae4c\uc9c0 \uc0c1\uc0c1\ud560 \uc218 \uc788\ub294 \ubaa8\ub4e0 \uac83\uc744 \uc870\uc0ac\ud560 \uc218 \uc788\uc744 \ubfd0\ub9cc \uc544\ub2c8\ub77c \uad6c\ub9e4\ud560 \uc218 \uc788\uc744 \uac83\uc73c\ub85c \uae30\ub300\ud558\uba70 \uc628\ub77c\uc778\uc5d0 \uc811\uc18d\ud569\ub2c8\ub2e4. <\/p>\n\n

\ub9ce\uc740 \uace0\uac1d\uc774 \uc778\ud130\ub137\uc744 \uc8fc\uc694 \uc1fc\ud551 \ub9e4\uccb4\ub85c \ucde8\uae09\ud558\uae30 \ub54c\ubb38\uc5d0 P&C\ub294 \uc9c0\uc5ed \uc5d0\uc774\uc804\ud2b8\uc758 \uc2dc\ub300\uac00 \ub05d\ub0ac\ub2e4\uace0 \uc0dd\uac01\ud558\uae30 \uc27d\uc2b5\ub2c8\ub2e4.\n\uadf8\ub7ec\ub098 \ud604\uc9c0 \uc5d0\uc774\uc804\ud2b8\ub294 \uc628\ub77c\uc778 DTC(Direct to Consumer) \ud3ec\ud138\uc774 \uc81c\uacf5\ud560 \uc218 \uc5c6\ub294 \uc11c\ube44\uc2a4\uc640 \uc9c0\uc6d0\uc744 \uc81c\uacf5\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.\n\ub610\ud55c \uc628\ub77c\uc778\uc5d0\uc11c \uc911\uc694\ud55c \ubcf4\ud5d8 \uad6c\ub9e4\ub97c \uc8fc\uc800\ud558\ub294 \uace0\uac1d\uc5d0\uac8c \ub2e4\uac00\uac08 \uc218 \uc788\uc2b5\ub2c8\ub2e4. <\/p>\n\n

\uc628\ub77c\uc778 DTC \ucc44\ub110\uacfc \ud604\uc9c0 \uc5d0\uc774\uc804\ud2b8\uac00 \uacf5\uc874\ud560 \uc218 \uc788\uc744 \ubfd0\ub9cc \uc544\ub2c8\ub77c \ub458 \ub2e4 \uc0ac\uc6a9\ud558\ub294 P&C\ub294 \uacbd\uc7c1\uc5d0\uc11c \uc0c1\ub2f9\ud55c \uc6b0\uc704\ub97c \uc810\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n

\uc774\uc911 \ubc30\ud3ec\ub97c \uc218\uc6a9\ud558\ub294 \uc774\uc720\ub294 \ubb34\uc5c7\uc785\ub2c8\uae4c?<\/h2>\n\n

50\ub144 \uc804\ub9cc \ud574\ub3c4 \uc778\uc218\ub294 P&C \ud56d\uacf5\uc0ac \uc218\uc775\uc131\uc758 \ub300\ubd80\ubd84\uc744 \ucc28\uc9c0\ud588\uc2b5\ub2c8\ub2e4.\n\uc624\ub298\ub0a0\uc5d0\ub294 \uadf8 \uade0\ud615\uc774 \ubc14\ub00c\uc5c8\uc2b5\ub2c8\ub2e4. <\/p>\n\n

“\uc624\ub298\ub0a0 \ubcf4\ud5d8 \uac70\ub798\uc758 \uc218\uc775\uc131\uc744 \uc0b4\ud3b4\ubcf4\uba74 40% \ub610\ub294 50%\uc5d0 \uac00\uae4c\uc6b4 \uae08\uc561\uc774 \uc720\ud1b5\uc5d0 \ub4e4\uc5b4\uac00\uace0 [while] \ubcf4\ud5d8\uc5c5\uc790\ub294 30-40%\ub97c \ucc28\uc9c0\ud569\ub2c8\ub2e4”\ub77c\uace0 \uc2dc\uce74\uace0 \ub300\ud559\uad50 \ubd80\uc2a4 \uacbd\uc601\ub300\ud559\uc6d0 \uacb8\uc784 \uac15\uc0ac\uc774\uc790 CNA Insurance\uc758 \uc804 CEO\uc778 Dennis Chookaszian<\/a>\uc740 \ub9d0\ud569\ub2c8\ub2e4.\n\uac15\ub825\ud55c \uc720\ud1b5 \ubc29\ubc95\uacfc \ubc88\ucc3d\ud558\ub294 \uace0\uac1d \uad00\uacc4\ub97c \uac00\uc9c4 \ubcf4\ud5d8 \ud68c\uc0ac\ub294 \uc778\uc218\ub97c \uc6b0\uc120\uc2dc\ud558\ub294 \ubcf4\ud5d8 \ud68c\uc0ac\ubcf4\ub2e4 \uc131\uacf5\ud569\ub2c8\ub2e4. <\/p>\n\n

\uc218\uc775 \ucd08\uc810\uc774 \ubc14\ub010 \uc774\uc720\ub294 \ubb34\uc5c7\uc785\ub2c8\uae4c?\n\uae30\uc220\uc758 \ubc1c\uc804\uc73c\ub85c \uace0\uac1d\uacfc \ub354 \uc27d\uac8c \uc5f0\uacb0\ud560 \uc218 \uc788\uac8c \ub418\uba74\uc11c \ubcf4\ud5d8\uc758 \uc131\uaca9\ub3c4 \ubc14\ub00c\uc5c8\uc2b5\ub2c8\ub2e4.\n\uc608\ub97c \ub4e4\uc5b4, \ub514\uc9c0\ud138 \ub3c4\uad6c\ub294 \uc7a0\uc7ac\uc801 \uc704\ud5d8\uc744 \uc2dd\ubcc4\ud558\uace0 \uadf8\uc5d0 \ub530\ub77c \uac00\uaca9 \ubc94\uc704\ub97c \ud30c\uc545\ud558\ub294 \ud504\ub85c\uc138\uc2a4\ub97c \ub2e8\uc21c\ud654\ud558\uc5ec \uc608\uc0c1\uce58 \ubabb\ud55c \uc190\uc2e4\uc744 \ubc29\uc9c0\ud55c\ub2e4\uace0 QEO Insurance Group\uc758 \uc124\ub9bd\uc790 \uacb8 CEO\uc778 David Disiere<\/a>\ub294 \ub9d0\ud569\ub2c8\ub2e4. <\/p>\n\n

\uae30\uc220\uc774 \ubcf4\ud5d8 \ubc0f \uc720\ud1b5\uc758 \ub9ce\uc740 \uc77c\uc0c1\uc801\uc778 \uc791\uc5c5\uc744 \ub300\uc2e0\ud568\uc5d0 \ub530\ub77c \ubcf4\ud5d8 \ud68c\uc0ac\ub294 \ucef4\ud4e8\ud130\uac00 \ud560 \uc218 \uc5c6\ub294 \ubcf4\ud5d8 \uce21\uba74, \uc989 \uac15\ub825\ud55c \uace0\uac1d \uad00\uacc4<\/a> \uc720\uc9c0\uc5d0 \uc9d1\uc911\ud560 \uc218\ubc16\uc5d0 \uc5c6\uc2b5\ub2c8\ub2e4.<\/p>\n\n

\uace0\uac1d\uc740 \ubcf4\ud5d8 \uad6c\ub9e4\uc5d0 \uc778\uac04\uc801\uc778 \uc694\uc18c\ub97c \uc6d0\ud569\ub2c8\ub2e4.\n\uace0\uac1d\uc774 \ubcf4\ud5d8\uc744 \uc704\ud55c DTC \uc635\uc158\uc744 \ud0d0\uc0c9\ud558\ub294 \ub3d9\uc548 \uc5d0\uc774\uc804\ud2b8 \ubc0f \uc911\uac1c\uc778\uc744 \ud1b5\ud55c \uc11c\ube44\uc2a4\uc5d0 \ub300\ud55c \uc218\uc694\ub294 \uacc4\uc18d\ud574\uc11c DTC \ubcf4\ud5d8\uc5d0 \ub300\ud55c \uc218\uc694\ub97c \uc0c1\ub2f9\ud55c \ucc28\uc774\ub85c \ub2a5\uac00\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. <\/p>\n\n

2019\ub144 McKinsey \uc5f0\uad6c\uc5d0 \ub530\ub974\uba74 2012\ub144\uc5d0\uc11c 2016\ub144 \uc0ac\uc774\uc5d0 DTC \ucc44\ub110\uc744 \ud1b5\ud55c P&C \ubcf4\ud5d8 \uad6c\ub9e4\uac00 2% \uc99d\uac00\ud588\uc2b5\ub2c8\ub2e4.\n\uc774 \uae30\uac04 \ub3d9\uc548 “\uc81c\ud734 \ub300\ub9ac\uc810 \ubc0f \uc9c0\uc810”\uc744 \ud1b5\ud55c \uad6c\ub9e4\ub294 3% \uac10\uc18c\ud55c \ubc18\uba74, \uc911\uac1c\uc778\uc744 \ud1b5\ud55c \uad6c\ub9e4\ub294 1% \uc99d\uac00\ud588\ub2e4\uace0 \ud074\ub77c\uc6b0\ub514\uc544 \ub9e5\uc2a4(Claudia Max<\/a> )\uc640 \ub9e5\ud0a8\uc9c0(McKinsey)\uc758 \ub3d9\ub8cc \uc5f0\uad6c\uc6d0\ub4e4\uc740 \ubcf4\uace0\ud588\ub2e4. <\/p>\n\n

DTC \ubcf4\ud5d8 \uad6c\ub9e4\uc5d0 \ub300\ud55c \uace0\uac1d\uc758 \uad00\uc2ec \uc99d\uac00\ub97c \ubb34\uc2dc\ud558\ub294 \ubcf4\ud5d8\uc0ac\ub294 \uc704\ud5d8\uc744 \uac10\uc218\ud574\uc57c \ud569\ub2c8\ub2e4.\n\uadf8\ub7ec\ub098 DTC\ub97c \uc704\ud574 \uc5d0\uc774\uc804\ud2b8 \uad00\uacc4\ub97c \ud3ec\uae30\ud558\ub294 \ubcf4\ud5d8\uc0ac\ub294 \uace0\uac1d \ucda9\uc131\ub3c4\ub97c<\/a> \uad6c\ucd95\ud560 \uc218 \uc788\ub294 \uac15\ub825\ud55c \ubc29\ubc95\ub3c4 \ud3ec\uae30\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. <\/p>\n\n

\"\"<\/figure>\n\n

\uc5d0\uc774\uc804\ud2b8\uac00 \uac00\uce58\ub97c \ub354\ud558\ub294 \ubc29\ubc95<\/h2>\n\n

\uc790\ub3d9\ud654, DTC \ucc44\ub110 \ubc0f \uc774\uc640 \uc720\uc0ac\ud55c \ub514\uc9c0\ud138 \ud601\uc2e0\uc740 \ubcf4\ud5d8\uc0ac-\uc5d0\uc774\uc804\ud2b8 \ubc0f \uc5d0\uc774\uc804\ud2b8-\uace0\uac1d \uad00\uacc4\ub97c \ubaa8\ub450 \ubcc0\ud654\uc2dc\ud0a4\uace0 \uc788\uc2b5\ub2c8\ub2e4.\n\uc124\uacc4\uc0ac\uac00 AI\uc640 \uba38\uc2e0 \ub7ec\ub2dd\uc744 \ud1b5\ud574 \ubcf5\uc7a1\ud55c \uc791\uc5c5\uc744 \uc790\ub3d9\ud654\ud560 \uc218 \uc788\uac8c \ub428\uc5d0 \ub530\ub77c \ubcf4\ud5d8 \ud504\ub85c\uc138\uc2a4\uc5d0\uc11c \uc790\uc2e0\uc758 \uc5ed\ud560\uc744 \ubcf4\ub2e4 \uc758\ubbf8 \uc788\uac8c \ub9cc\ub4e4 \uc218 \uc788\ub294 \ubc29\ubc95\uc744 \ucc3e\uc544\uc57c \ud569\ub2c8\ub2e4. <\/p>\n\n

“\uc790\ub3d9\ud654\ub294 \uc591\ub0a0\uc758 \uac80\uc73c\ub85c, \uc0c1\ub2f4\uc6d0\uc744 \uc4f8\ubaa8\uc5c6\uac8c \ub9cc\ub4e4 \uc218\ub3c4 \uc788\uace0 \ub354 \ud6a8\uacfc\uc801\uc774\uace0 \uc0dd\uc0b0\uc801\uc73c\ub85c \ub9cc\ub4e4 \uc218\ub3c4 \uc788\ub2e4”\uace0 Forrester\uc758 \uc120\uc784 \ubd84\uc11d\uac00\uc778 Jeffery Williams<\/a>\ub294 \ub9d0\ud569\ub2c8\ub2e4.<\/p>\n\n

\ud55c\ud3b8\uc73c\ub85c \uc790\ub3d9\ud654\ub294 \ube48\ubc88\ud558\uace0 \ud45c\uc900\uc801\uc774\uba70 \uac10\uc815\uc801 \ub610\ub294 \uc7ac\uc815\uc801 \ube44\uc6a9\uc774 \uc801\uc740 \uac70\ub798\uc5d0\uc11c \uc5d0\uc774\uc804\ud2b8\ub97c \uc81c\uac70\ud558\ub294 \uac83\uc774\ub77c\uace0 \ubd80\ub3d9\uc0b0 \ubc0f \uae30\uc220 \uae30\uc5c5\uac00\uc778 Elie Finegold<\/a>\ub294 \ub9d0\ud569\ub2c8\ub2e4.\n\ub2e4\ub978 \ud55c\ud3b8\uc73c\ub85c\ub294, \ub4dc\ubb3c\uac70\ub098, \ube44\ud45c\uc900\uc801\uc774\uac70\ub098, \uac10\uc815\uc801\uc778 \uac01\ub3c4\ub97c \uac00\uc9c4 \uac70\ub798\ub294 \uc5ec\uc804\ud788 \uc5d0\uc774\uc804\ud2b8\uc758 \uc778\uac04\uc801\uc778 \uc811\ucd09\uc744 \ud544\uc694\ub85c \ud569\ub2c8\ub2e4. <\/p>\n\n

Finegold\uac00 \ubd80\ub3d9\uc0b0 \uac70\ub798\uc5d0 \ub300\ud574 \uc774\uc57c\uae30\ud558\ub294 \ub3d9\uc548 \ubcf4\ud5d8\uc5d0\uc11c\ub3c4 \ub3d9\uc77c\ud55c \uc694\uc18c\uac00 \uc0ac\uc2e4\uc785\ub2c8\ub2e4.\n\uace0\uac1d\uc740 \uc628\ub77c\uc778\uc73c\ub85c \ud45c\uc900 \uc790\ub3d9\ucc28 \ubcf4\ud5d8\uc744 \uc27d\uac8c \uac31\uc2e0\ud560 \uc218 \uc788\uc9c0\ub9cc \ube44\uc988\ub2c8\uc2a4 \ubcf4\ud5d8\uc5d0 \uac00\uc785\ud558\uac70\ub098 \uc18c\uc911\ud55c \ube48\ud2f0\uc9c0 \uc790\ub3d9\ucc28\uc5d0 \ubcf4\ud5d8\uc744 \uc801\uc6a9\ud558\ub294 \uac83\uacfc \uac19\uc740 \uacb0\uc815\uc5d0 \ub300\ud574 \uc804\ubb38\uac00\uc758 \ub3c4\uc6c0\uc744 \uc6d0\ud560 \uac00\ub2a5\uc131\uc774 \ub354 \ud07d\ub2c8\ub2e4. <\/p>\n\n

\uc774\ub7ec\ud55c \uc778\uac04 \uad00\uacc4\ub97c \uad6c\ucd95\ud558\ub294 \ub2a5\ub825\uc740 \ubcf4\ud5d8 \uc124\uacc4\uc0ac\uc758 \ud798\uacfc \uac00\uce58\uc758 \ud575\uc2ec\uc785\ub2c8\ub2e4.<\/p>\n\n

“\ub3c5\ub9bd \ubcf4\ud5d8 \uc124\uacc4\uc0ac\uc758 \uac00\uce58 \uc81c\uc548\uc740 \uc801\uc6a9 \ubc94\uc704, \uac00\uaca9 \ub610\ub294 \uc11c\ube44\uc2a4\uac00 \uc544\ub2d9\ub2c8\ub2e4”\ub77c\uace0 \ub9ac\ub354\uc2ed \ucee8\uc124\ud134\ud2b8\uc778 Ryan Hanley<\/a>\ub294 \ub9d0\ud569\ub2c8\ub2e4.\n\uc624\ud788\ub824, \uc5d0\uc774\uc804\ud2b8\uac00 \ub514\uc9c0\ud138 \ub3c4\uad6c\ub97c \ud65c\uc6a9\ud558\uc5ec \ub6f0\uc5b4\ub09c \uac1c\uc778\ud654\ub41c \uc11c\ube44\uc2a4\ub97c<\/a> \uc81c\uacf5\ud560 \uac83\uc774\ub77c\ub294 \uc774\ud574\ub97c \ubc14\ud0d5\uc73c\ub85c \uc77c\ub300\uc77c \uace0\uac1d \uad00\uacc4\ub97c \uad6c\ucd95\ud560 \uc218 \uc788\ub294 \ub2a5\ub825\uc785\ub2c8\ub2e4. <\/p>\n\n

\uc774\ub7ec\ud55c \ubc29\uc2dd\uc73c\ub85c \uc5d0\uc774\uc804\ud2b8\ub294 \ubcf4\ud5d8 \uad6c\ub9e4 \uacfc\uc815\uc5d0\uc11c \ubd80\uac00\uac00\uce58\ub97c \ucc3d\ucd9c\ud558\ub294 \uc911\uac1c\uc790 \uc5ed\ud560\uc744 \ud569\ub2c8\ub2e4.\n\uadf8\ub4e4\uc740 \uace0\uac1d \ubc0f \ub514\uc9c0\ud138 \uc720\ud1b5 \ud3ec\ud138\uacfc \ud611\ub825\ud558\uc5ec \uace0\uac1d\uc758 \uc9c8\ubb38\uc5d0 \ud6a8\uacfc\uc801\uc73c\ub85c \ub2f5\ubcc0\ud558\uace0 \uace0\uac1d\uc774 \uc801\uc6a9 \ubc94\uc704\ub97c \uc774\ud574\ud558\ub3c4\ub85d \ud558\uba70, \uc774\ub294 \ud2b9\ud788 \ubd88\ub9cc\uc774 \uc81c\uae30\ub420 \ub54c \uace0\uac1d \ub9cc\uc871\ub3c4\uc5d0 \ud544\uc218\uc801\uc778 \uc694\uc18c\uc785\ub2c8\ub2e4. <\/p>\n\n

\ubc18\uba74, \uc628\ub77c\uc778\uc5d0\uc11c \uc9c1\uc811 \ubcf4\ud5d8\uc5d0 \uac00\uc785\ud55c \uace0\uac1d\uc740 \uc790\uc2e0\uc758 \ubcf4\uc7a5 \ubc94\uc704\ub97c \uc644\uc804\ud788 \uc774\ud574\ud558\uc9c0 \ubabb\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.\n“\uc0ac\uc6a9\uc790\ub294 \uc791\uc740 \uae00\uc528\ub97c \uc77d\uc9c0 \ubabb\ud558\uac70\ub098 \uc815\ucc45 \uc870\uac74\uc5d0 \ud63c\ub780\uc2a4\ub7ec\uc6cc\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub85c \uc778\ud574 \ubcf4\ud5d8 \uac00\uc785\uc790\ub294 \uc561\uc138\uc2a4\ud560 \uc218 \uc788\ub294 \ubcf4\uc7a5\uc5d0 \ub300\ud574 \uc54c \uc218 \uc5c6\uc2b5\ub2c8\ub2e4. \uadf8\ub4e4\uc740 \ud55c \ub2ec\uc5d0 \uc2e4\uc81c \ube44\uc6a9\uc774 \uc5bc\ub9c8\uac00 \ub420\uc9c0 \ubaa8\ub97c \uc218\ub3c4 \uc788\uc2b5\ub2c8\ub2e4”\ub77c\uace0 QuoteWizard\uc758 Tess Owen<\/a> \uc740 \ub9d0\ud569\ub2c8\ub2e4.\n\uc774\ub7ec\ud55c \ubaa8\ub4e0 \uc810\uc740 \uace0\uac1d \ub9cc\uc871\ub3c4\ub97c \ub5a8\uc5b4\ub728\ub9b4 \ubfd0\ub9cc \uc544\ub2c8\ub77c \ub17c\uc7c1\uc758 \ubb38\uc81c\uac00 \ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4. <\/p>\n\n

\"\"<\/figure>\n\n

DTC\uc640 \ud604\uc9c0 \uc5d0\uc774\uc804\ud2b8 \uc804\ub7b5 \uc870\uc815<\/h2>\n\n

\uae30\uc220 \uc911\uc2ec\uc758 DTC\uc640 \uc778\uac04 \uc911\uc2ec\uc758 \ud604\uc9c0 \uc5d0\uc774\uc804\ud2b8 \ucc44\ub110\uc740 \ud604\uc7ac \ub9ce\uc740 \ubcf4\ud5d8 \ud68c\uc0ac\uc5d0 \uacf5\uc874\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.\n\ubcf4\ud5d8 \ud3c9\ub860\uac00\ub4e4\uc740 \uc774 \uc774\uc911 \uad00\uacc4\uc5d0 \ub300\ud574 \uc758\uacac\uc774 \uc788\uc9c0\ub9cc, \uade0\ud615\uc774 \uc5b4\ub5bb\uac8c \uae68\uc9c8\uc9c0 \uc815\ud655\ud788 \uc544\ub294 \uc0ac\ub78c\uc740 \uc544\ubb34\ub3c4 \uc5c6\uc2b5\ub2c8\ub2e4. <\/p>\n\n

\ubcf4\ud5d8 \ud68c\uc0ac\ub294 DTC \uc815\ubcf4\uc5d0 \uc785\uac01\ud55c \uc811\uadfc \ubc29\uc2dd\uc744 \ucde8\ud568\uc73c\ub85c\uc368 \uc774\uc810\uc744 \uc5bb\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4.\n\uc624\ub298\ub0a0 \uace0\uac1d\uc740 \uc810\uc810 \ub354 \uc628\ub77c\uc778\uc73c\ub85c \ubcf4\ud5d8 \uc635\uc158\uc5d0 \ub300\ud574 \uc54c\uc544\ubcf4\ub294 \uac83\uc744 \uc120\ud638\ud569\ub2c8\ub2e4. <\/p>\n\n

\uc608\ub97c \ub4e4\uc5b4, \ud55c \uc5f0\uad6c\uc5d0 \ub530\ub974\uba74 \uad6c\ub9e4\uc790\uc758 52%\uac00 \uac80\uc0c9 \uc5d4\uc9c4\uc744 \uc0ac\uc6a9\ud558\uc5ec \ube0c\ub79c\ub4dc\uc640 \uc81c\ud488\uc744 \uc870\uc0ac<\/a> \ud569\ub2c8\ub2e4. 32%\ub294 \uad6c\ub9e4\ud558\uae30 \uc804\uc5d0 \uc628\ub77c\uc778\uc73c\ub85c \ube0c\ub79c\ub4dc\ub97c \uc870\uc0ac\ud558\uace0, 25%\ub294 \uc18c\uc15c \ubbf8\ub514\uc5b4\uc5d0\uc11c \uad00\uc2ec \uc788\ub294 \ube0c\ub79c\ub4dc\ub97c \ud314\ub85c\uc6b0\ud55c\ub2e4\uace0 GlobalWebIndex\uc758 Sam Ernest-Jones<\/a> \ub294 \ub9d0\ud569\ub2c8\ub2e4.<\/p>\n\n

\uc628\ub77c\uc778 \uc785\uc9c0\ub97c \uad6c\ucd95\ud568\uc73c\ub85c\uc368 \ubcf4\ud5d8 \ud68c\uc0ac\ub294 \uc774\ub7ec\ud55c \uc6f9 \ube0c\ub77c\uc6b0\uc9d5 \uc18c\ube44\uc790\uc758 \uad00\uc2ec\uc744 \ub04c \uc218 \uc788\uc2b5\ub2c8\ub2e4.\n\ub610\ud55c \uc778\uacf5 \uc9c0\ub2a5\uacfc \uac19\uc740 \ub3c4\uad6c\ub97c \ud65c\uc6a9\ud558\uc5ec \uace0\uac1d\uc758 \uc628\ub77c\uc778 \uac80\uc0c9 \ub610\ub294 \ucd08\uae30 \uc560\ud50c\ub9ac\ucf00\uc774\uc158\uc744 \ubd84\uc11d\ud558\uace0 \uc801\uc808\ud55c \ucc44\ub110\ub85c \uc548\ub0b4\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.\n\uc608\ub97c \ub4e4\uc5b4, \uc815\uae30 \uac31\uc2e0\uc774 \ud544\uc694\ud55c \uace0\uac1d\uc740 \uc628\ub77c\uc778\uc73c\ub85c \uac31\uc2e0\ud560 \uc218 \uc788\uc73c\uba70, \uc0c8\ub85c\uc6b4 \ubcf4\uc7a5 \ubc94\uc704\uc5d0 \ub300\ud55c \ubcf5\uc7a1\ud55c \uc9c8\ubb38\uc774 \uc788\ub294 \uace0\uac1d\uc740 \ud604\uc9c0 \ub300\ub9ac\uc810\uc5d0 \ubb38\uc758\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. <\/p>\n\n

\ubcf4\ud5d8\uc0ac\ub294 \ub610\ud55c \uc124\uacc4\uc0ac\ub97c \ub3d5\uae30 \uc704\ud574 \ub3c4\uad6c\uac00 \ub0b4\uc7a5\ub41c DTC \ud50c\ub7ab\ud3fc\uc744 \ub9cc\ub4dc\ub294 \uac83\uc73c\ub85c\ubd80\ud130 \uc774\uc810\uc744 \uc5bb\uc744 \uc218 \uc788\ub2e4\uace0 Harvard Business Review\uc758 Ned Calder, Shahriar Parvarandeh \ubc0f Michael Brady<\/a> \ub294 \ub9d0\ud569\ub2c8\ub2e4.<\/p>\n\n

\uc608\ub97c \ub4e4\uc5b4, \uc911\uc7a5\ube44 \uc81c\uc870\uc5c5\uccb4\uc778 Caterpillar\ub294 \uace0\uac1d\uc774 Caterpillar \uc7a5\ube44\ub97c \uad6c\ub9e4, \uc0ac\uc6a9 \ubc0f \uc720\uc9c0 \uad00\ub9ac\ud560 \uc218 \uc788\ub3c4\ub85d \uc628\ub77c\uc778 \ucc28\ub7c9 \uad00\ub9ac \ud50c\ub7ab\ud3fc\uc744 \ucd9c\uc2dc\ud588\uc744 \ub54c \ud310\ub9e4 \ubc0f \uc720\uc9c0 \ubcf4\uc218 \ud504\ub85c\uc138\uc2a4\uc5d0\uc11c \ud604\uc9c0 \uc720\ud1b5\uc5c5\uccb4\ub97c \ubc30\uc81c\ud560 \uc704\ud5d8\uc744 \uac10\uc218\ud588\uc2b5\ub2c8\ub2e4.\n\uadf8\ub7ec\ub098 \uc774 \ud68c\uc0ac\ub294 \uc778\uadfc \uace0\uac1d\uc774 \ub3c4\uc6c0\uc774 \ud544\uc694\ud560 \ub54c \ud604\uc9c0 Caterpillar \uc720\ud1b5\uc5c5\uccb4\uc5d0 \uc54c\ub9ac\ub294 \uae30\ub2a5\uc744 \ucd94\uac00\ud558\uc5ec \uc774 \ubb38\uc81c\ub97c \ud574\uacb0\ud588\uc2b5\ub2c8\ub2e4.\n\uc774 \ud50c\ub7ab\ud3fc\uc740 \uace0\uac1d\uacfc \ud604\uc9c0 \uc720\ud1b5\uc5c5\uccb4\ub97c \uc5f0\uacb0\ud558\ub294 \ubc29\ubc95\uc774 \ub418\uc5b4 \uace0\uac1d\uc758 \uc694\uad6c \uc0ac\ud56d\uc744 \ubcf4\ub2e4 \ud6a8\uc728\uc801\uc73c\ub85c \ucda9\uc871\ud560 \uc218 \uc788\uc5c8\uc2b5\ub2c8\ub2e4. <\/p>\n\n

\uc720\uc0ac\ud55c \ubc29\ubc95\uc744 \uc0ac\uc6a9\ud558\uc5ec \ubcf4\ud5d8 \uace0\uac1d\uacfc \ud604\uc9c0 \ub300\ub9ac\uc778\uc744 \uc5f0\uacb0\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.\n\uc608\ub97c \ub4e4\uc5b4, \uc774 \ud50c\ub7ab\ud3fc\uc744 \ud1b5\ud574 \uace0\uac1d\uc740 \uc628\ub77c\uc778\uc73c\ub85c \ubcf4\ud5d8\uc5d0 \uac00\uc785\ud560 \uc218 \uc788\uc73c\uba70, \ub3d9\uc2dc\uc5d0 \uc9c0\uc5ed \uc5d0\uc774\uc804\ud2b8\uc5d0\uac8c \ubcf4\ud5d8\uc5d0 \uac00\uc785\ud588\uc74c\uc744 \uc54c\ub9b4 \uc218 \uc788\uc2b5\ub2c8\ub2e4.\n\uadf8\ub7f0 \ub2e4\uc74c \ud604\uc9c0 \uc5d0\uc774\uc804\ud2b8\ub294 \uace0\uac1d\uc5d0\uac8c \ud6c4\uc18d \uc870\uce58\ub97c \ucde8\ud558\uace0 \uc801\uc6a9 \ubc94\uc704\ub97c \uac80\ud1a0\ud55c \ub2e4\uc74c \uace0\uac1d\uc774 \uc9c8\ubb38\uc774 \uc788\uac70\ub098 \uccad\uad6c\ub97c \uc81c\ucd9c\ud574\uc57c \ud558\ub294 \uacbd\uc6b0 \uc989\uc2dc \uc0ac\uc6a9\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. <\/p>\n\n

\uc5d0\uc774\uc804\ud2b8\uac00 \uc0ac\ub77c\uc9c8\uae4c\uc694?<\/h2>\n\n

\ud604\uc9c0 \uc5d0\uc774\uc804\ud2b8\uc640 DTC \ucc44\ub110\uc744 \uace0\uac1d \uc911\uc2ec\uc758 \ub2e8\uc77c \uc720\ud1b5 \uc811\uadfc \ubc29\uc2dd\uc73c\ub85c \uc5f0\uacb0\ud560 \uc218 \uc788\ub294 \uae30\ud68c\ub294 \ub9ce\uc2b5\ub2c8\ub2e4.\n\uadf8\ub7ec\ub098 \uadf8\ub4e4\uc740 \uc774\ub7ec\ud55c \ud63c\ud569 \uc804\ub7b5\uc774 \ud604\uc2e4\uc774 \ub420 \uac83\uc774\ub77c\uace0 \ubaa8\ub4e0 \uc0ac\ub78c\uc744 \uc124\ub4dd\ud558\uc9c0\ub294 \uc54a\ub294 \uac83 \uac19\uc2b5\ub2c8\ub2e4. <\/p>\n\n

\uc77c\uac01\uc5d0\uc11c\ub294 \ub514\uc9c0\ud138 \ucc44\ub110\uacfc \uc790\ub3d9\ud654 \uc804\ub7b5\uc774 \uacb0\uad6d \uc0c1\ub2f4\uc6d0\uc744 \uc4f8\ubaa8\uc5c6\uac8c \ub9cc\ub4e4 \uac83\uc774\ub77c\uace0 \uc608\uce21\ud569\ub2c8\ub2e4.\n\uc608\ub97c \ub4e4\uc5b4, \uc790\uc0b0 \uad00\ub9ac \ucee8\uc124\ud134\ud2b8\uc778 \ub7ec\uc2a4 \uc568\ub7f0 \ud504\ub9b0\uc2a4(Russ Alan Prince<\/a> )\ub294 \uc0dd\uba85 \ubcf4\ud5d8\uc5d0 \ub300\ud574 \ub17c\uc758\ud558\uba74\uc11c \ub300\ubd80\ubd84\uc758 \uc124\uacc4\uc0ac\ub4e4\uc774 \uae30\uc220\uc5d0 \uc758\ud574 \uc2ec\uac01\ud55c \uc601\ud5a5\uc744 \ubc1b\uc744 \uac83\uc774\ub77c\uace0 \ub9d0\ud55c\ub2e4.\nAI\uc640 \uba38\uc2e0 \ub7ec\ub2dd\uc740 \uacb0\uad6d \ubcf4\ud5d8 \uc124\uacc4\uc0ac\uc758 \ud604\uc7ac \uae30\ub2a5 \ub300\ubd80\ubd84\uc744 \ub300\uccb4\ud560 \uac83\uc785\ub2c8\ub2e4. <\/p>\n\n

\uadf8\ub7ec\ub098 \ud504\ub9b0\uc2a4\uc640 \uac19\uc740 \ud574\uc124\uc790\uc870\ucc28\ub3c4 \uc608\uc678\ub97c \ud5c8\uc6a9\ud55c\ub2e4.\n\uadf8\ub294 “\ud601\uc2e0\uc801\uc774\uace0 \ubbf8\ub798 \uc9c0\ud5a5\uc801\uc778 \uc0dd\uba85 \ubcf4\ud5d8 \uc124\uacc4\uc0ac\ub4e4\uc774 \uae30\uc220\uacfc \uadf8\uc5d0 \uc218\ubc18\ub418\ub294 \ubcc0\ud654\ud558\ub294 \uc0b0\uc5c5 \uc5ed\ud559\uc744 \ud65c\uc6a9\ud558\uc5ec \ub2e4\ub978 \uc0ac\ub78c\ub4e4\uc744 \uc704\ud574 \uc5c4\uccad\ub09c \uac00\uce58\ub97c \ucc3d\ucd9c\ud560 \uc218 \uc788\uc744 \uac83”\uc774\ub77c\uace0 \uc37c\uc2b5\ub2c8\ub2e4. <\/p>\n\n

P&C \uc5d0\uc774\uc804\ud2b8\ub3c4 \uc774\ub7ec\ud55c \ud601\uc2e0\uc801\uc778 \uc0ac\uc0c1\uac00\uac00 \ub420 \uc218 \uc788\ub294 \uae30\ud68c\ub97c \uac00\uc9c0\uace0 \uc788\uc2b5\ub2c8\ub2e4.\nP&C \ubcf4\ud5d8\uc0ac\ub294 \uc124\uacc4\uc0ac\uac00 \uc778\uac04 \uad00\uacc4\uc758 \ucd09\uc9c4\uc790\ub85c\uc11c\uc758 \uc0c8\ub85c\uc6b4 \uc5ed\ud560\uc744 \uc218\ud589\ud558\ub294 \ub370 \ub3c4\uc6c0\uc744 \uc904 \uc218 \uc788\uc2b5\ub2c8\ub2e4.\n\uc774\ub97c \ud1b5\ud574 P&C\ub294 \uc774\ub7ec\ud55c \ud604\uc9c0 \uc5d0\uc774\uc804\ud2b8\uac00 \ub354 \uac15\ub825\ud55c \uace0\uac1d \uad00\uacc4, \uc624\ud574\ub85c \uc778\ud55c \uac08\ub4f1 \uac10\uc18c \ubc0f \ud3c9\uc0dd \uace0\uac1d \ucda9\uc131\ub3c4\uc758 \ud615\ud0dc\ub85c \ucc3d\ucd9c\ud560 \uac00\uce58\ub97c \ud3ec\ucc29\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. <\/p>\n\n

\uc774\ubbf8\uc9c0 \uc791\uc131\uc790: primagefactory\/\u00a9123RF.com, Cathy Yeulet\/\u00a9123RF.com, goodluz\/\u00a9123RF.com<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

\uc778\ud130\ub137\uc758 \ubd80\uc0c1\uc73c\ub85c \uc628\ub77c\uc778\uc5d0\uc11c \uc218\ud589\ub418\ub294 \ube44\uc988\ub2c8\uc2a4\uac00 \ud3ed\ubc1c\uc801\uc73c\ub85c \uc99d\uac00\ud588\uc2b5\ub2c8\ub2e4. \uc624\ub298\ub0a0 \uace0\uac1d\ub4e4\uc740 \uc591\ub9d0\uacfc \ud1a0\uc2a4\ud130\uc5d0\uc11c \uc8fc\ud0dd \ubc0f \uc790\ub3d9\ucc28 \ubcf4\ud5d8\uc5d0 \uc774\ub974\uae30\uae4c\uc9c0 \uc0c1\uc0c1\ud560 \uc218 \uc788\ub294 \ubaa8\ub4e0 \uac83\uc744 \uc870\uc0ac\ud560 \uc218 \uc788\uc744 \ubfd0\ub9cc \uc544\ub2c8\ub77c \uad6c\ub9e4\ud560 \uc218 \uc788\uc744 \uac83\uc73c\ub85c \uae30\ub300\ud558\uba70 \uc628\ub77c\uc778\uc5d0 \uc811\uc18d\ud569\ub2c8\ub2e4. \ub9ce\uc740 \uace0\uac1d\uc774 \uc778\ud130\ub137\uc744 \uc8fc\uc694 \uc1fc\ud551 \ub9e4\uccb4\ub85c \ucde8\uae09\ud558\uae30 \ub54c\ubb38\uc5d0 P&C\ub294 \uc9c0\uc5ed \uc5d0\uc774\uc804\ud2b8\uc758 \uc2dc\ub300\uac00 \ub05d\ub0ac\ub2e4\uace0 \uc0dd\uac01\ud558\uae30 \uc27d\uc2b5\ub2c8\ub2e4. \uadf8\ub7ec\ub098 \ud604\uc9c0 \uc5d0\uc774\uc804\ud2b8\ub294 \uc628\ub77c\uc778 DTC(Direct to Consumer) […]<\/p>\n","protected":false},"featured_media":6865,"template":"","insight-category":[],"class_list":["post-17986","insight","type-insight","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/bolttech.io\/ko\/wp-json\/wp\/v2\/insight\/17986","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bolttech.io\/ko\/wp-json\/wp\/v2\/insight"}],"about":[{"href":"https:\/\/bolttech.io\/ko\/wp-json\/wp\/v2\/types\/insight"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bolttech.io\/ko\/wp-json\/wp\/v2\/media\/6865"}],"wp:attachment":[{"href":"https:\/\/bolttech.io\/ko\/wp-json\/wp\/v2\/media?parent=17986"}],"wp:term":[{"taxonomy":"insight-category","embeddable":true,"href":"https:\/\/bolttech.io\/ko\/wp-json\/wp\/v2\/insight-category?post=17986"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}