{"id":19862,"date":"2024-09-20T13:27:08","date_gmt":"2024-09-20T18:27:08","guid":{"rendered":"https:\/\/bolttech.io\/insights\/%eb%b3%b4%ed%97%98-%ec%97%85%ea%b3%84%ec%97%90%ec%84%9c-%ea%b3%a0%ea%b0%9d-%ec%b6%a9%ec%84%b1%eb%8f%84-%ed%94%84%eb%a1%9c%ea%b7%b8%eb%9e%a8%ec%9d%84-%ea%b5%ac%ec%b6%95%ed%95%98%eb%8a%94-%eb%b0%a9\/"},"modified":"2024-09-20T13:27:15","modified_gmt":"2024-09-20T18:27:15","slug":"%eb%b3%b4%ed%97%98-%ec%97%85%ea%b3%84%ec%97%90%ec%84%9c-%ea%b3%a0%ea%b0%9d-%ec%b6%a9%ec%84%b1%eb%8f%84-%ed%94%84%eb%a1%9c%ea%b7%b8%eb%9e%a8%ec%9d%84-%ea%b5%ac%ec%b6%95%ed%95%98%eb%8a%94-%eb%b0%a9","status":"publish","type":"insight","link":"https:\/\/bolttech.io\/ko\/insights\/%eb%b3%b4%ed%97%98-%ec%97%85%ea%b3%84%ec%97%90%ec%84%9c-%ea%b3%a0%ea%b0%9d-%ec%b6%a9%ec%84%b1%eb%8f%84-%ed%94%84%eb%a1%9c%ea%b7%b8%eb%9e%a8%ec%9d%84-%ea%b5%ac%ec%b6%95%ed%95%98%eb%8a%94-%eb%b0%a9\/","title":{"rendered":"\ubcf4\ud5d8 \uc5c5\uacc4\uc5d0\uc11c \uace0\uac1d \ucda9\uc131\ub3c4 \ud504\ub85c\uadf8\ub7a8\uc744 \uad6c\ucd95\ud558\ub294 \ubc29\ubc95"},"content":{"rendered":"\n

\ubcf4\ud5d8\uc5d0 \uad00\ud574\uc11c\ub294 \ubaa8\ub4e0 \uac83\uc774 \uc758\ubb38\uc758 \uc5ec\uc9c0\uac00 \uc788\uc2b5\ub2c8\ub2e4.\n\ub514\uc9c0\ud138\ud654, \ubcc0\ud654\ud558\ub294 \uc704\ud5d8 \ubc0f \uc9c4\ud654\ud558\ub294 \uace0\uac1d \uc694\uad6c\ub294 \ubaa8\ub450 \uae30\uc874 \ubcf4\ud5d8 \uad00\ud589\uc774 \uc0c8\ub85c\uc6b4 \ubc29\uc2dd\uc73c\ub85c \uac80\ud1a0\ub428\uc73c\ub85c\uc368 \uc774\uc810\uc744 \uc5bb\uc744 \uc218 \uc788\uc74c\uc744 \uc758\ubbf8\ud569\ub2c8\ub2e4. <\/p>\n\n

\uace0\uac1d \ucda9\uc131\ub3c4 \ud504\ub85c\uadf8\ub7a8\uc740 \ubcf4\ud5d8\uc5d0\uc11c \uc0c8\ub85c\uc6b4 \uac83\uc774 \uc544\ub2d9\ub2c8\ub2e4.\n\uadf8\ub7ec\ub098 \uc774\ub7ec\ud55c \ud504\ub85c\uadf8\ub7a8\ub4e4 \uc5ed\uc2dc \ub514\uc9c0\ud138 \uc138\uacc4\uc5d0\uc11c \uc7ac\ud574\uc11d\uacfc \uc7ac\ucc3d\uc870\uc5d0 \uc5f4\ub824 \uc788\ub2e4.\n\uace0\uac1d\uc774 \ubb34\uc5c7\uc744 \ud544\uc694\ub85c \ud558\uace0, \uc6d0\ud558\uace0, \uae30\ub300\ud558\ub294\uc9c0 \ud30c\uc545\ud558\ub294 \uac83\uc740 \ubcf4\ud5d8 \ud68c\uc0ac\uac00 \uace0\uac1d \ucda9\uc131\ub3c4\ub97c \ucd94\uad6c\ud558\uace0 \uc720\uc9c0\ud558\ub294 \ubc29\ubc95\uc5d0 \uc0c1\ub2f9\ud55c \uc601\ud5a5\uc744 \ubbf8\uce60 \uc218 \uc788\uc2b5\ub2c8\ub2e4. <\/p>\n\n

\ubcf4\ud5d8 \uc720\uc9c0\uc758 \uc704\uae30\uc5d0 \uc9c1\uba74\ud55c \ubcf4\ud5d8<\/h2>\n\n

\uc7ac\uc0b0 \ubc0f \uc0c1\ud574 \ubcf4\ud5d8 \ube44\uc6a9 \uc0c1\uc2b9\ub3c4 \ud55c \ud56d\uacf5\uc0ac\uc5d0 \uba38\ubb3c\uace0\uc790 \ud558\ub294 \uace0\uac1d\uc758 \uc758\uc9c0\uc5d0 \uc601\ud5a5\uc744 \ubbf8\uce69\ub2c8\ub2e4.\n\uc608\ub97c \ub4e4\uc5b4, J.D. Power 2019 U.S. Insurance Shopping Study\uc5d0 \ub530\ub974\uba74 \uc790\ub3d9\ucc28 \ubcf4\ud5d8 \ube44\uc6a9\uc740 2010\ub144\ub300 \ub3d9\uc548 \uc911\uac04 \uac00\uacc4 \uc18c\ub4dd\uc758 \uac70\uc758 \ub450 \ubc30\uc5d0 \ub2ec\ud558\ub294 \ube44\uc728\ub85c \uc99d\uac00\ud588\uc2b5\ub2c8\ub2e4. <\/p>\n\n

\uacb0\uacfc\uc801\uc73c\ub85c “\uc790\ub3d9\ucc28 \ubcf4\ud5d8\uc740 \uc18c\ube44\uc790\uc758 \uc9c0\uac11\uc5d0\uc11c \ub354 \ub9ce\uc740 \ubd80\ubd84\uc744 \ucc28\uc9c0\ud560 \ubfd0\ub9cc \uc544\ub2c8\ub77c \uae30\uc874 \ubcf4\ud5d8\uc0ac\uc5d0 \ub300\ud55c \uace0\uac1d \ucda9\uc131\ub3c4\uc5d0\ub3c4 \ud070 \uc601\ud5a5\uc744 \ubbf8\uce58\uace0 \uc788\ub2e4”\uace0 J.D. Power\uc758 P&C \ubcf4\ud5d8 \ucc45\uc784\uc790\uc778 Tom Super<\/a>\ub294 \ub9d0\ud569\ub2c8\ub2e4.\n\ud2b9\ud788, \uae08\ub9ac \uc0c1\uc2b9\uc740 \ucda9\uc131\ub3c4\uc5d0 \ubd80\uc815\uc801\uc778 \uc601\ud5a5\uc744 \ubbf8\uce69\ub2c8\ub2e4. 2004\ub144\uc5d0\uc11c 2018\ub144 \uc0ac\uc774 \ud604\uc7ac \ubcf4\ud5d8\uc0ac\uc5d0 \ub300\ud55c \ubcf4\ud5d8\uc744 “\ubc18\ub4dc\uc2dc \uac31\uc2e0\ud560 \uac83”\uc774\ub77c\uace0 \ub2f5\ud55c \uace0\uac1d\uc758 \ud3c9\uade0 \ube44\uc728\uc740 59%\uc5d0\uc11c 48%\ub85c \ub5a8\uc5b4\uc84c\uc2b5\ub2c8\ub2e4. <\/p>\n\n

\uace0\uac1d\ub4e4\uc740 \uc885\uc885 \uc1fc\ud551\uc744 \ud1b5\ud574 \uc8fc\ud0dd, \uc790\ub3d9\ucc28 \ub610\ub294 \ube44\uc988\ub2c8\uc2a4 \ubcf4\ud5d8\uc5d0 \ub300\ud574 \ub354 \ub098\uc740 \uac70\ub798\ub97c \uc5bb\uc744 \uc218 \uc788\ub2e4\ub294 \uac83\uc744 \uc54c\uac8c \ub418\uae30 \ub54c\ubb38\uc5d0 \ud55c \uc6b4\uc1a1\uc5c5\uccb4\uc5d0 \ucda9\uc131\uc744 \uc720\uc9c0\ud558\ub294 \uac83\uc5d0 \ub300\ud574 \ubd88\uc774\uc775\uc744 \ubc1b\ub294 \uac83\ucc98\ub7fc \ub290\ub07c\uae30 \uc2dc\uc791\ud569\ub2c8\ub2e4.\n\uacbd\uc6b0\uc5d0 \ub530\ub77c\uc11c\ub294 \ubc8c\uae08\uc774 \uc8fc\uad00\uc801\uc778 \uac83 \uc774\uc0c1\uc77c \uc218 \uc788\uc2b5\ub2c8\ub2e4: \uc601\uad6d \uae08\uc735\uac10\ub3c5\uccad(Financial Conduct Authority)\uc758 2019\ub144 \uc5f0\uad6c\uc5d0 \ub530\ub974\uba74 \uc57d 600\ub9cc \uba85\uc758 \uc601\uad6d \ubcf4\ud5d8 \uac00\uc785\uc790\uac00 \uae30\uc874 \ubcf4\ud5d8\uc0ac\uc5d0 \uba38\ubb34\ub294 \uac83\ub9cc\uc73c\ub85c\ub3c4 \ubcf4\ud5d8\ub8cc\uac00 \uacfc\ub3c4\ud558\uac8c \uccad\uad6c\ub418\uace0 \uc788\uc2b5\ub2c8\ub2e4. <\/p>\n\n

“\uc774 \uc2dc\uc7a5\uc740 \ubaa8\ub4e0 \uc18c\ube44\uc790\uc5d0\uac8c \uc798 \uc791\ub3d9\ud558\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \ub9ce\uc740 \uc0ac\ub78c\ub4e4\uc774 \uc1fc\ud551\uc744 \ud558\ub294 \ubc18\uba74, \ub9ce\uc740 \ucda9\uc131\ub3c4 \ub192\uc740 \uace0\uac1d\ub4e4\uc740 \uc88b\uc740 \uac70\ub798\ub97c \uc5bb\uc9c0 \ubabb\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4”\ub77c\uace0 FCA\uc758 \uc784\uc2dc CEO\uc778 Christopher Woolard<\/a>\ub294 \ub9d0\ud569\ub2c8\ub2e4.<\/p>\n\n

\uace0\uac1d\ub4e4\uc740 \ubcf4\ud5d8\uc0ac\uc5d0 \ub300\ud55c \ucda9\uc131\ub3c4\ub97c \uc720\uc9c0\ud560 \uc778\uc13c\ud2f0\ube0c\uac00 \uadf8 \uc5b4\ub290 \ub54c\ubcf4\ub2e4 \uc801\uc5b4 \ubcf4\uc785\ub2c8\ub2e4.\n\uc608\ub97c \ub4e4\uc5b4, Chartered Insurance Institute\uc758 \uc5f0\uad6c\uc5d0 \ub530\ub974\uba74 \ubcf4\ud5d8 \uace0\uac1d\uc758 80% \uc774\uc0c1\uc774 \ucda9\uc131\ub3c4\ub97c \uc720\uc9c0\ud558\uae30 \uc704\ud574 \ubcf4\ud5d8\uc0ac\uac00 \uac00\uaca9 \ucc45\uc815\uc744 \ucc98\ub9ac\ud558\uae30\ub97c \uae30\ub300\ud569\ub2c8\ub2e4.\n\uac31\uc2e0 \uac00\uaca9 \ubb38\uc81c\uac00 \uc0c8\ub85c\uc6b4 \uac83\uc740 \uc544\ub2c8\uc9c0\ub9cc “\ubcf4\ud5d8\uc0ac\uac00 \uace0\uac1d\uacfc \uc18c\ud1b5\ud560 \uc218 \uc788\ub294 \uae30\ud68c”\ub77c\uace0 Chartered Insurance Institute\uc758 CEO\uc778 Sian Fisher<\/a>\ub294 \ub9d0\ud569\ub2c8\ub2e4. <\/p>\n\n

\ud55c\ud3b8, \ubcf4\ud5d8 \ud68c\uc0ac\ub294 \ube60\ub974\uac8c \ub514\uc9c0\ud138\ud654\ub418\ub294 \uc138\uc0c1\uc5d0\uc11c \uace0\uac1d \uc720\uc9c0\ub97c \uad00\ub9ac\ud558\ub294 \ub370 \uc5b4\ub824\uc6c0\uc744 \uacaa\ub294 \uacbd\uc6b0\uac00 \ub9ce\uc2b5\ub2c8\ub2e4.\n\uc608\ub97c \ub4e4\uc5b4, Anthony Larsson\uacfc Ellen Brostr\u04e7m<\/a>\uc758 2020\ub144 4\uc6d4 \uc5f0\uad6c \ub9ac\ubdf0\uc5d0 \ub530\ub974\uba74 \ubcf4\ud5d8 \ud68c\uc0ac\ub4e4\uc740 \uc5f0\uad6c\uc6d0\ub4e4\uc774 “\uc120\uc81c\uc801 \uc720\uc9c0”\ub77c\uace0 \ubd80\ub974\ub294 \uac83, \uc989 \uace0\uac1d\uc774 \ub2e4\ub978 \uacf3\uc73c\ub85c \ub208\uc744 \ub3cc\ub9ac\uae30 \uc2dc\uc791\ud558\uae30 \uc804\uc5d0 \uace0\uac1d \ucda9\uc131\ub3c4\ub97c \ub192\uc774\uae30 \uc704\ud574 \ub178\ub825\ud558\ub294 \uac83\uc744 \uc810\uc810 \ub354 \uc218\uc6a9\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. <\/p>\n\n

\uc120\uc81c\uc801 \uc720\uc9c0 \uc811\uadfc \ubc29\uc2dd\uc740 \uc0c8\ub85c\uc6b4 \uae30\ud68c\ub97c \uc81c\uacf5\ud560 \uc218 \uc788\uc9c0\ub9cc, \uace0\uac1d \ucda9\uc131\ub3c4\ub97c \uad6c\ucd95\ud558\ub294 \ub370 \uc624\ub79c \uc2dc\uac04 \ub3d9\uc548 \uac80\uc99d\ub41c \uc624\ub798\ub41c \ubc29\ubc95\uc744 \uac04\uacfc\ud558\uae30\ub3c4 \ud569\ub2c8\ub2e4.\n\uc5ec\uae30\uc5d0\ub294 \uace0\uac1d \ud53c\ub4dc\ubc31\uc744 \uc218\uc9d1\ud558\uace0 \uacf5\uc2dd \ub610\ub294 \ube44\uacf5\uc2dd\uc801 \uc720\uc9c0 \ubc0f \ucda9\uc131\ub3c4 \ud504\ub85c\uadf8\ub7a8\uc744 \uad6c\ucd95\ud558\ub294 \uac83\uc774 \ud3ec\ud568\ub429\ub2c8\ub2e4. <\/p>\n\n

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

\ubcf4\ud5d8\uc744 \uc704\ud55c \uace0\uac1d \ucda9\uc131\ub3c4 \ud504\ub85c\uadf8\ub7a8<\/h2>\n\n

\uace0\uac1d \ucda9\uc131\ub3c4\ub97c \ub192\uc774\ub294 \uac00\uc7a5 \uc88b\uc740 \ubc29\ubc95 \uc911 \ud558\ub098\ub294 \uace0\uac1d\uc774 \ub9e4\ub144 \ud55c \ubcf4\ud5d8\uc0ac\uc5d0\uc11c \ubcf4\ud5d8\uc744 \uc720\uc9c0\ud558\ub3c4\ub85d \uc778\uc13c\ud2f0\ube0c\ub97c \uc81c\uacf5\ud558\ub294 \ud504\ub85c\uadf8\ub7a8\uc744 \uad6c\ud604\ud558\ub294 \uac83\uc785\ub2c8\ub2e4.<\/p>\n\n

\uc778\uc13c\ud2f0\ube0c \uc635\uc158\uc740 \ubb34\uc218\ud788 \ub9ce\uc73c\uba70 \uac1c\ubcc4 \ubcf4\ud5d8\uc0ac\uc758 \uc694\uad6c, \uc5ed\ub7c9 \ubc0f \ubaa9\ud45c\uc5d0 \ub9de\uac8c \uc870\uc815\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.\n“\ucda9\uc131\ub3c4 \ub192\uc740 \uace0\uac1d\uc5d0\uac8c \ubcf4\uc0c1\ud558\ub294 \ud55c \uac00\uc9c0 \ubc29\ubc95\uc740 \uc694\uc728\uc744 \uc778\uc0c1\ud558\uc9c0 \uc54a\uc74c\uc73c\ub85c\uc368 \uacbd\ubbf8\ud55c \uccad\uad6c\uc5d0 \ub300\ud574 \ud0d5\uac10 \ud61c\ud0dd\uc744 \uc81c\uacf5\ud558\ub294 \uac83\uc785\ub2c8\ub2e4. \ub610 \ub2e4\ub978 \ubc29\ubc95\uc740 \ubcf4\ud5d8\uc5d0 \uac00\uc785\ud55c \uace0\uac1d\uc744 \ube44\ubcf4\ud5d8\uc0ac \ud30c\ud2b8\ub108\uc640 \uc5f0\uacb0\ud568\uc73c\ub85c\uc368 \uadfc\uc18d\uc5f0\uc218\ub97c \uc801\ub9bd \ud61c\ud0dd\uc73c\ub85c \ubcf4\uc0c1\ud558\ub294 \uac83\uc785\ub2c8\ub2e4.” \ub77c\uace0 SmartFinancial\uc758 \uacf5\ub3d9 \uc124\ub9bd\uc790 \uacb8 CEO\uc778 Lev Barinsky<\/a>\ub294 \ub9d0\ud569\ub2c8\ub2e4. <\/p>\n\n

\uc774\ub7ec\ud55c \ub85c\uc5f4\ud2f0 \ud504\ub85c\uadf8\ub7a8\uc740 \uace0\uac1d\uc758 \ucda9\uc131\ub3c4\uac00 \uace0\uac1d\uc5d0\uac8c \uac00\uce58\ub97c \uac00\uc838\ub2e4\uc8fc\uace0 \uc788\ub2e4\ub294 \ud655\uc2e0\uc744 \uc2ec\uc5b4\uc90c\uc73c\ub85c\uc368 \uace0\uac1d\uc774 \uc1fc\ud551\uc744 \ud560 \ub3d9\uae30\ub97c \uc904\uc77c \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n

\ubcf4\ud5d8\uc0ac\uac00 \uace0\uac1d\uc5d0\uac8c \uac00\uce58\ub97c \uc785\uc99d\ud560 \uc218 \uc788\ub294 \ub610 \ub2e4\ub978 \ubc29\ubc95\uc740 \ub514\uc9c0\ud138 \ub3c4\uad6c\uc640 \ud50c\ub7ab\ud3fc\uc744 \uc0ac\uc6a9\ud558\uc5ec \uace0\uac1d \ucee4\ubba4\ub2c8\ucf00\uc774\uc158\uacfc \uad50\uc721\uc744 \uac1c\uc120\ud558\ub294 \uac83\uc785\ub2c8\ub2e4.<\/p>\n\n

DXC Technology\uc758 \uae00\ub85c\ubc8c \ubcf4\ud5d8 \ubd80\ubb38 \ubd80\uc0ac\uc7a5 \uacb8 \ucd1d\uad04 \ub9e4\ub2c8\uc800\uc778 Phil Ratcliff<\/a>\ub294 “\ubcf4\ud5d8\uc0ac\ub294 \uc18c\ube44\uc790\uac00 \uc0c1\ud488\uacfc \uc11c\ube44\uc2a4\uc758 \uc791\ub3d9 \ubc29\uc2dd\uc744 \uc774\ud574\ud558\ub3c4\ub85d \ub3d5\uace0 \uccad\uad6c \uacbd\ud5d8\uc744 \uc9c0\uc18d\uc801\uc73c\ub85c \uac1c\uc120\ud568\uc73c\ub85c\uc368 \ucda9\uc131\ub3c4\ub97c \ub192\uc774\uace0 \ube0c\ub79c\ub4dc\ub97c \ub192\uc77c \uc218 \uc788\ub294 \uc704\uce58\uc5d0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n

\ubcf4\ud5d8\uc0ac\uac00 \uae30\uc874 \ud50c\ub7ab\ud3fc\uc744 \uc0ac\uc6a9\ud558\uc5ec \ucee4\ubba4\ub2c8\ucf00\uc774\uc158\ud558\uace0 \uad50\uc721\ud560 \ub54c \ubcf4\ud5d8 \uace0\uac1d\uc5d0\uac8c \uc790\uc2e0\uac10\uc744 \ub192\uc77c \uc218 \uc788\uc2b5\ub2c8\ub2e4.\n\uace0\uac1d\uc740 \uc801\uc6a9 \ubc94\uc704\uc640 \uc801\uc6a9 \ubc94\uc704\uac00 \uc81c\uacf5\ud558\ub294 \uac00\uce58\uc5d0 \ub300\ud574 \ub354 \ub9ce\uc774 \uc54c\uac8c \ub429\ub2c8\ub2e4.\n\ub610\ud55c \uc790\ub3d9\ucc28 \uc815\ube44\uc0ac \uace0\uc6a9\uc5d0\uc11c \uc2a4\ub9c8\ud2b8 \ud648 \uc13c\uc11c \uc124\uce58\uc5d0 \uc774\ub974\uae30\uae4c\uc9c0 \ube44\ubcf4\ud5d8 \uc81c\ud488 \ubc0f \uc11c\ube44\uc2a4\ub97c \uad6c\ud604\ud558\ub294 \ubc29\ubc95\uc744 \uc774\ud574\ud558\uc5ec \uc704\ud5d8\uc5d0 \ub300\ud55c \ubcf4\ud638\ub97c \ub354\uc6b1 \ud5a5\uc0c1\uc2dc\ud0b5\ub2c8\ub2e4. <\/p>\n\n

\ubcf4\ud5d8\uc0ac, \ube44\ubcf4\ud5d8 \ud30c\ud2b8\ub108 \ubc0f \uace0\uac1d \uac04\uc758 \uc5f0\uacb0\uc744 \uad6c\ucd95\ud558\uba74 \uace0\uac1d\uc744 \uc720\uce58\ud558\uace0 \uc720\uc9c0\ud558\ub294 \ub370\ub3c4 \ub3c4\uc6c0\uc774 \ub429\ub2c8\ub2e4.<\/p>\n\n

\uace0\uac1d\ub4e4\uc740 \uc790\uc2e0\uc758 \uc7ac\uc0b0 \ubc0f \uc0c1\ud574 \uc694\uad6c\uc640 \uad00\ub828\ub41c \ube44\ubcf4\ud5d8 \uc11c\ube44\uc2a4\uc640 \ubcf4\ud5d8\uc0ac\ub97c \uc5f0\uacc4\ud558\ub294 \uc0dd\ud0dc\uacc4\uc5d0 \uc810\uc810 \ub354 \ub9ce\uc740 \uad00\uc2ec\uc744 \ubcf4\uc774\uace0 \uc788\ub2e4\uace0 \ubca0\uc778\uc564\ucef4\ud37c\ub2c8(Bain & Company)\uc758 \ud5e8\ub9ad \ub098\uc6b0\uc871\uc2a4(Henrik Naujoks)\uc640<\/a> \ub3d9\ub8cc \uc5f0\uad6c\uc6d0\ub4e4\uc740 \ub9d0\ud55c\ub2e4.\n\uadf8\ub4e4\uc740 \uc774\ub7ec\ud55c \uc0dd\ud0dc\uacc4\ub97c \ub354 \ub192\uc740 \uc0b6\uc758 \uc9c8\uc744 \ub2ec\uc131\ud558\ub294 \ub370 \ub3c4\uc6c0\uc774 \ub418\ub294 \ud30c\ud2b8\ub108\uc2ed\uc73c\ub85c \ubd05\ub2c8\ub2e4. \uc774 \ubaa9\ud45c\ub97c \ud6a8\uacfc\uc801\uc73c\ub85c \ud65c\uc6a9\ud558\uba74 \ubcf4\ud5d8 \uace0\uac1d\uacfc \ubcf4\ud5d8 \ud68c\uc0ac \uac04\uc758 \ucda9\uc131\ub3c4\ub97c \ub192\uc77c \uc218\ub3c4 \uc788\uc2b5\ub2c8\ub2e4. <\/p>\n\n

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

\ub514\uc9c0\ud138 \ub3c4\uad6c\ub97c \uc0ac\uc6a9\ud558\uc5ec \ub6f0\uc5b4\ub09c \uace0\uac1d \uc11c\ube44\uc2a4 \ud504\ub85c\uadf8\ub7a8 \uad6c\ucd95<\/h2>\n\n

\ubcf4\ud5d8\uc758 \uae30\uc220 \ubcc0\ud654\ub294 \ube60\ub974\uac8c \uc9c4\ud589\ub418\uace0 \uc788\uc73c\uba70 \uc778\uc218 \ubc0f \uc720\ud1b5\uc758 \ubaa8\ub4e0 \uce21\uba74\uc5d0 \uc601\ud5a5\uc744 \ubbf8\uce58\uace0 \uc788\uc2b5\ub2c8\ub2e4.\n\uc774\ub7ec\ud55c \ubcc0\ud654 \uc18d\uc5d0\uc11c \uace0\uac1d\uc758 \ub2c8\uc988, \uc695\uad6c \ubc0f \uc694\uad6c\ub294 \ub514\uc9c0\ud138 \ubcc0\ud654\uc5d0 \ub300\ud55c P&C \ubcf4\ud5d8\uc0ac\uc758 \uc811\uadfc \ubc29\uc2dd\uc744 \uacc4\uc18d \uc8fc\ub3c4\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. <\/p>\n\n

\ub514\uc9c0\ud138 \uad00\uacc4 \uad6c\ucd95<\/h3>\n\n

P&C \ubcf4\ud5d8 \uc99d\uad8c\uc744 \uc870\uc0ac, \ube44\uad50 \ubc0f \ubc30\uce58\ud558\uae30 \uc704\ud55c \ub514\uc9c0\ud138 \ub3c4\uad6c\uc5d0 \ub300\ud55c \uace0\uac1d\uc758 \uad00\uc2ec\uc740 \uc9c0\ub09c \uba87 \ub144 \ub3d9\uc548 \uafb8\uc900\ud788 \uc99d\uac00\ud588\uc2b5\ub2c8\ub2e4.\n\uadf8\ub7ec\ub098 2020\ub144 6\uc6d4, J.D. Power\uc758 \uc5f0\uad6c\uc6d0\ub4e4\uc740 \ub514\uc9c0\ud138 \uc11c\ube44\uc2a4 \ucc44\ub110\uc774 \ubcf4\ud5d8 \ud68c\uc0ac\uc640\uc758 \ub2e4\ub978 \uc5f0\ub77d \ubc29\ubc95\uc744 \uc81c\uce58\uace0 \uace0\uac1d \uc120\ud638\ub3c4\uc758 \ucd5c\uc0c1\uc704\uc5d0 \uc62c\ub790\ub2e4\ub294 \uc0ac\uc2e4\uc744 \ud655\uc778\ud588\uc2b5\ub2c8\ub2e4.\n\uc774\uc81c \uace0\uac1d\ub4e4\uc740 \uc804\ud654\ub098 \uc5d0\uc774\uc804\ud2b8\uc640 \uc9c1\uc811 \ub9cc\ub098\ub294 \uac83\ubcf4\ub2e4 \uc628\ub77c\uc778\uc73c\ub85c \ubcf4\ud5d8 \ud68c\uc0ac\uc640 \uc18c\ud1b5\ud558\ub294 \uac83\uc744 \uc120\ud638\ud55c\ub2e4\uace0 \ub9d0\ud569\ub2c8\ub2e4. <\/p>\n\n

J.D. Power\uc758 \ubcf4\ud5d8 \uc778\ud154\ub9ac\uc804\uc2a4 \uc218\uc11d \ucee8\uc124\ud134\ud2b8\uc778 Robert Lajdziak<\/a>\uc740 \ub514\uc9c0\ud138 \ucee4\ubba4\ub2c8\ucf00\uc774\uc158\uc5d0 \ub300\ud55c \uc120\ud638\ub3c4\uac00 \ub192\uc544\uc9d0\uc5d0 \ub530\ub77c \ube44\uc988\ub2c8\uc2a4\ub97c \ud655\uc7a5\ud558\uace0 \uace0\uac1d \ucee4\ubba4\ub2c8\ucf00\uc774\uc158\uc744 \uac1c\uc120\ud558\ub824\ub294 \ubcf4\ud5d8\uc0ac\uac00 “\ub514\uc9c0\ud138 \ud22c\uc790\uc5d0 \ucd08\uc810\uc744 \ub9de\ucd94\uae30 \ub54c\ubb38\uc5d0 \uc5c5\uacc4\uc5d0 \ud070 \uc601\ud5a5\uc744 \ubbf8\uce5c\ub2e4”\uace0 \ub9d0\ud569\ub2c8\ub2e4.<\/p>\n\n

\uadf8\ub7ec\ub098 \ub514\uc9c0\ud138 \ud658\uacbd\uc73c\ub85c \uc804\ud658\ud558\ub824\uba74 \ub2e8\uc21c\ud788 \uc544\ub0a0\ub85c\uadf8 \ud504\ub85c\uc138\uc2a4\ub97c \ub514\uc9c0\ud138 \ud615\uc2dd\uc73c\ub85c \uc7ac\ud604\ud558\ub294 \uac83 \uc774\uc0c1\uc774 \ud544\uc694\ud569\ub2c8\ub2e4.\n“\ud654\uba74\uc758 \uc544\ub0a0\ub85c\uadf8 \uc591\uc2dd\uc740 \uc2a4\ub9c8\ud2b8 \ud14d\uc2a4\ud2b8, \uc790\ub3d9 \ucc44\uc6b0\uae30, \uc804\uc790 \uc11c\uba85, \uc2ec\uc9c0\uc5b4 \ub2f4\ub2f9\uc790\uc640\uc758 \ucc44\ud305 \uae30\ub2a5\uae4c\uc9c0 \ubaa8\ub450 \uace0\uac1d\uc5d0\uac8c \ub354 \ube60\ub974\uace0 \uac04\ub2e8\ud55c \ud504\ub85c\uc138\uc2a4\ub97c \uc27d\uac8c \ub9cc\ub4e4 \uc218 \uc788\ub294 \ub514\uc9c0\ud138 \ud658\uacbd\uc744 \ud65c\uc6a9\ud558\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4”\ub77c\uace0 Lajdziak\uc740 \ub9d0\ud569\ub2c8\ub2e4. <\/p>\n\n

\uc624\ud788\ub824, \uace0\uac1d\uc774 \uc778\uc1c4\ud558\uace0, \ucc44\uc6b0\uace0, \ub2e4\uc2dc \uc2a4\uce94\ud560 \uc218 \uc788\ub3c4\ub85d \uc885\uc774 \uc591\uc2dd\uc744 \uc2a4\uce94\ud558\ub294 \uac83\uacfc \uac19\uc740 \uc544\ub0a0\ub85c\uadf8-\ub514\uc9c0\ud138 \uc811\uadfc \ubc29\uc2dd\uc740 \uace0\uac1d\uc5d0\uac8c \ub354 \ub9ce\uc740 \ubb38\uc81c\ub97c \uc77c\uc73c\ud0a4\ub294 \uacbd\ud5a5\uc774 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n

\uc5ec\uc804\ud788 \uc804\ud654 \ub610\ub294 \ub300\uba74 \ucee4\ubba4\ub2c8\ucf00\uc774\uc158\uc744 \uc120\ud638\ud558\uac70\ub098 \ucd08\uae30 \ub514\uc9c0\ud138 \uc778\ud130\ud398\uc774\uc2a4\ub85c \ub2f5\ubcc0\ud560 \uc218 \uc5c6\ub294 \uc9c8\ubb38\uc774 \uc788\ub294 \uace0\uac1d\uc744 \uc704\ud574 \ub514\uc9c0\ud138 \ub3c4\uad6c\ub294 \ubcf4\ud5d8 \uace0\uac1d \uc11c\ube44\uc2a4\ub97c \ud65c\uc131\ud654\ud558\uace0 \ucda9\uc131\ub3c4\ub97c \uad6c\ucd95\ud558\ub294 \ub370 \ub3c4\uc6c0\uc774 \ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4.\n\uc608\ub97c \ub4e4\uc5b4, AI \uc9c0\uc6d0 \ucc57\ubd07\uacfc \uc74c\uc131 \ubd84\uc11d \ub3c4\uad6c\ub294 \ucf5c\uc13c\ud130 \ub2f4\ub2f9\uc790\uac00 \uace0\uac1d\uc744 \ub3d5\ub294 \ub370 \ub3c4\uc6c0\uc774 \ub420 \uc218 \uc788\ub2e4\uace0 IP Integration\uc758 \uc2e0\ud765 \uae30\uc220 \ucc45\uc784\uc790\uc778 Josh Ayres<\/a>\ub294 \ub9d0\ud569\ub2c8\ub2e4. <\/p>\n\n

\ub9c8\ucc2c\uac00\uc9c0\ub85c \ub514\uc9c0\ud138 \ub3c4\uad6c\ub97c \uc0ac\uc6a9\ud558\uba74 \ubcf4\ud5d8 \uc124\uacc4\uc0ac\uac00 \uace0\uac1d\uc758 \uc9c8\ubb38\uc5d0 \ub354 \uc27d\uac8c \ub2f5\ubcc0\ud558\uace0 \uad00\uacc4\ub97c \uad6c\ucd95\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n

Loyalty Equation\uc5d0\uc11c Customer \ubcc0\uc218 \ud574\uacb0<\/h3>\n\n

\ub370\uc774\ube44\ub4dc \ub7ec\uc2dc(David Rush<\/a> )\uc640 \ub51c\ub85c\uc774\ud2b8(Deloitte)\uc758 \ub3d9\ub8cc \uc5f0\uad6c\uc6d0\ub4e4\uc740 2020\ub144 \ubcf4\uace0\uc11c\uc5d0\uc11c \ubcf4\ud5d8 \uc0b0\uc5c5 \ud601\uc2e0\uacfc \uad00\ub828\ud558\uc5ec “\uace0\uac1d\uc740 \uae30\uc220\ub9cc\ud07c\uc774\ub098 \ud30c\uad34\uc801\uc73c\ub85c \ubcc0\ud558\uace0 \uc788\ub2e4”\uace0 \uc37c\uc2b5\ub2c8\ub2e4.\n\uace0\uac1d \ucda9\uc131\ub3c4 \uce21\uba74\uc5d0\uc11c \ubcf4\ud5d8 \uad6c\ub9e4\uc790\ub97c \uc720\uc9c0\ud558\ub294 \uac00\uc7a5 \ud6a8\uacfc\uc801\uc778 \ubc29\ubc95\uc740 \uae30\uc220 \uc790\uccb4\ub97c \uc704\ud574 \uae30\uc220\uc744 \uad6c\ud604\ud558\ub294 \uac83\uc774 \uc544\ub2c8\ub77c \ub514\uc9c0\ud138 \uc194\ub8e8\uc158\uc73c\ub85c \uad6c\ub9e4\uc790\uc758 \uae30\ub300\ub97c \ub530\ub974\ub294 \uac83\uc77c \uc218 \uc788\uc2b5\ub2c8\ub2e4. <\/p>\n\n

\ub9ce\uc740 \ubcf4\ud5d8 \ud68c\uc0ac\ub4e4\uc740 \uc774\ubbf8 \uacf5\uc2dd \ubc0f \ube44\uacf5\uc2dd \ub85c\uc5f4\ud2f0 \ud504\ub85c\uadf8\ub7a8\uc744 \uad6c\ud604\ud560 \ub54c \uace0\uac1d\uc758 \uc694\uad6c\ub97c \uba3c\uc800 \uace0\ub824\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.\n\uc608\ub97c \ub4e4\uc5b4, \ub7ec\uc26c\uc640 \ub51c\ub85c\uc774\ud2b8(Deloitte)\uc758 \uc5f0\uad6c\uc6d0\ub4e4\uc740 \ubcf4\ud5d8\uc0ac\uc758 62%\uac00 \ubcf4\ud5d8\uc0ac\uc640 \ube44\ubcf4\ud5d8\uc0ac \uc0dd\ud0dc\uacc4 \ud30c\ud2b8\ub108\uc640\uc758 \uad00\uacc4\uac00 \uace0\uac1d\uc758 \ucda9\uc131\ub3c4 \uacb0\uc815\uc5d0 \ud070 \uc5ed\ud560\uc744 \ud55c\ub2e4\uace0 \ubbff\ub294\ub2e4\ub294 \uc0ac\uc2e4\uc744 \ubc1c\uacac\ud588\uc2b5\ub2c8\ub2e4.\n57%\ub294 \uacbd\ud5d8\uc774 \ud48d\ubd80\ud55c \uc9c1\uc6d0\uacfc \ub300\ud654\ud560 \uc218 \uc788\ub294 \uace0\uac1d\uc758 \ub2a5\ub825\uc744 \uace0\uac1d \ucda9\uc131\ub3c4\uc758 \ud575\uc2ec\uc73c\ub85c \uac15\uc870\ud569\ub2c8\ub2e4. 12%\ub9cc\uc774 \uc5ec\uc804\ud788 \uae30\uc874\uc758 \ubcf4\uc0c1, \ud2b9\uc804 \ub610\ub294 \ud504\ub85c\ubaa8\uc158\uc744 \ucda9\uc131\ub3c4 \ub3d9\uc778\uc73c\ub85c \ubc1b\uc544\ub4e4\uc785\ub2c8\ub2e4. <\/p>\n\n

\uace0\uac1d\ub4e4\uc740 \uac00\uc7a5 \ud070 \ucda9\uc131\ub3c4 \ubb38\uc81c\uc5d0 \ub300\ud55c \ubcf4\ud5d8\uc0ac\ub4e4\uc758 \ud3c9\uac00\uc5d0 \ub3d9\uc758\ud558\ub294 \uac83\uc73c\ub85c \ubcf4\uc785\ub2c8\ub2e4.\nVerint Systems\uc758 \uc5f0\uad6c\uc5d0 \ub530\ub974\uba74 \uace0\uac1d\uc758 83%\ub294 \uace0\uac1d \uacbd\ud5d8\uc774 \ucda9\uc131\ub3c4 \uacb0\uc815\uc5d0 \ud070 \uc601\ud5a5\uc744 \ubbf8\uce5c\ub2e4\uace0 \ub2f5\ud588\uc73c\uba70, 77%\ub294 \ud3b8\uc758\uc131\uc774 \ub9e4\uc6b0 \uc911\uc694\ud558\ub2e4\uace0 \ub2f5 \ud588\uc2b5\ub2c8\ub2e4.<\/a>\n48%\ub294 \ub514\uc9c0\ud138 \ucc44\ub110\uc744 \uc0ac\uc6a9\ud558\uc5ec \uc5f0\ub77d\ud558\ub294 \ud68c\uc0ac\uc5d0 \ub300\ud55c \ucda9\uc131\ub3c4\uac00 \ub354 \ub192\uc558\uc2b5\ub2c8\ub2e4. <\/p>\n\n

\ub51c\ub85c\uc774\ud2b8(Deloitte) \uc870\uc0ac\uc5d0\uc11c \uc751\ub2f5\uc790\uc758 45%\uac00 \uace0\uac1d\uc744 \uac00\uc7a5 \ud070 \ub3c4\uc804 \uacfc\uc81c\ub85c \uaf3d\uc558\uc9c0\ub9cc, \uace0\uac1d \uc694\uad6c\uac00 \ucc3d\ucd9c\ud558\ub294 \uc131\uc7a5 \ub3d9\ub825\ub3c4 \uc218\uc6a9\ud558\ub294 \uac83\uc73c\ub85c \ub098\ud0c0\ub0ac\uc2b5\ub2c8\ub2e4.\n\uace0\uac1d\uc774 \uc6d0\ud558\ub294 \uac83\uc5d0 \ub300\uc751\ud558\uc5ec \uc131\uc7a5\ud568\uc73c\ub85c\uc368 \ubcf4\ud5d8 \ud68c\uc0ac\ub294 \ud2b9\uc815 \ucda9\uc131\ub3c4 \ub610\ub294 \ube44\uc988\ub2c8\uc2a4 \ubaa9\ud45c\ub97c \ub2ec\uc131\ud558\uae30 \uc704\ud574 \ub514\uc9c0\ud138 \ub3c4\uad6c\ub97c \uc120\ud0dd\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. <\/p>\n\n

\ub514\uc9c0\ud138\ud654\ub294 \ub9ce\uc740 \uae30\ud68c\ub97c \ucc3d\ucd9c\ud588\uc2b5\ub2c8\ub2e4.\n\uc774\ub7ec\ud55c \uae30\ud68c\uc5d0\ub294 \ubd88\ud655\uc2e4\uc131\uc774 \ub530\ub790\uc2b5\ub2c8\ub2e4.\n\uc5b4\ub5a4 \uac80\uc99d\ub41c \ubcf4\ud5d8 \uad00\ud589\uc774 \uc9c0\uc18d\ub418\uc5b4\uc57c \ud558\uace0, \uc5b4\ub5a4 \uac83\uc744 \ubc84\ub824\uc57c \ud558\uba70, \uc5b4\ub5a4 \uac83\uc774 \ub514\uc9c0\ud138 \uc138\uacc4\uc5d0 \uc218\uc775\uc131 \uc788\uac8c \uc801\uc751\ud560 \uc218 \uc788\uc2b5\ub2c8\uae4c? <\/p>\n\n

\uace0\uac1d \ucda9\uc131\ub3c4 \ud504\ub85c\uadf8\ub7a8\uc740 \ubcf4\ud5d8 \ubc0f \uae30\ud0c0 \uc0b0\uc5c5\uc5d0\uc11c \uc624\ub79c \uc5ed\uc0ac\ub97c \uac00\uc9c0\uace0 \uc788\uc2b5\ub2c8\ub2e4.\n\uc62c\ubc14\ub978 \ub514\uc9c0\ud138 \ub3c4\uad6c\ub97c \uc0ac\uc6a9\ud558\uc5ec \uace0\uac1d\uc744 \ud604\ub300 \uc138\uacc4\ub85c \uac00\uc838\uc634\uc73c\ub85c\uc368 \ubcf4\ud5d8\uc0ac\ub294 \uace0\uac1d\uc5d0\uac8c \uce5c\uc219\ud55c \uac1c\ub150\uc744 \uc5c5\ub370\uc774\ud2b8\ub41c \ubc29\uc2dd\uc73c\ub85c \uc81c\uc2dc\ud558\uc5ec \uace0\uac1d \uc2e0\ub8b0\uc640 \uace0\uac1d \ucda9\uc131\ub3c4\ub97c \ub192\uc77c \uc218 \uc788\uc2b5\ub2c8\ub2e4. <\/p>\n\n

\uc774\ubbf8\uc9c0 \uc791\uc131\uc790: rawpixel\/\u00a9123RF.com, racorn\/\u00a9123RF.com, Aleksandr Davydov\/\u00a9123RF.com<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

\ubcf4\ud5d8\uc5d0 \uad00\ud574\uc11c\ub294 \ubaa8\ub4e0 \uac83\uc774 \uc758\ubb38\uc758 \uc5ec\uc9c0\uac00 \uc788\uc2b5\ub2c8\ub2e4. \ub514\uc9c0\ud138\ud654, \ubcc0\ud654\ud558\ub294 \uc704\ud5d8 \ubc0f \uc9c4\ud654\ud558\ub294 \uace0\uac1d \uc694\uad6c\ub294 \ubaa8\ub450 \uae30\uc874 \ubcf4\ud5d8 \uad00\ud589\uc774 \uc0c8\ub85c\uc6b4 \ubc29\uc2dd\uc73c\ub85c \uac80\ud1a0\ub428\uc73c\ub85c\uc368 \uc774\uc810\uc744 \uc5bb\uc744 \uc218 \uc788\uc74c\uc744 \uc758\ubbf8\ud569\ub2c8\ub2e4. \uace0\uac1d \ucda9\uc131\ub3c4 \ud504\ub85c\uadf8\ub7a8\uc740 \ubcf4\ud5d8\uc5d0\uc11c \uc0c8\ub85c\uc6b4 \uac83\uc774 \uc544\ub2d9\ub2c8\ub2e4. \uadf8\ub7ec\ub098 \uc774\ub7ec\ud55c \ud504\ub85c\uadf8\ub7a8\ub4e4 \uc5ed\uc2dc \ub514\uc9c0\ud138 \uc138\uacc4\uc5d0\uc11c \uc7ac\ud574\uc11d\uacfc \uc7ac\ucc3d\uc870\uc5d0 \uc5f4\ub824 \uc788\ub2e4. \uace0\uac1d\uc774 \ubb34\uc5c7\uc744 \ud544\uc694\ub85c \ud558\uace0, \uc6d0\ud558\uace0, \uae30\ub300\ud558\ub294\uc9c0 \ud30c\uc545\ud558\ub294 \uac83\uc740 \ubcf4\ud5d8 \ud68c\uc0ac\uac00 \uace0\uac1d \ucda9\uc131\ub3c4\ub97c […]<\/p>\n","protected":false},"featured_media":8831,"template":"","insight-category":[],"class_list":["post-19862","insight","type-insight","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/bolttech.io\/ko\/wp-json\/wp\/v2\/insight\/19862","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\/8831"}],"wp:attachment":[{"href":"https:\/\/bolttech.io\/ko\/wp-json\/wp\/v2\/media?parent=19862"}],"wp:term":[{"taxonomy":"insight-category","embeddable":true,"href":"https:\/\/bolttech.io\/ko\/wp-json\/wp\/v2\/insight-category?post=19862"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}