{"id":18449,"date":"2024-09-19T19:40:39","date_gmt":"2024-09-20T00:40:39","guid":{"rendered":"https:\/\/bolttech.io\/insight\/mot-tuong-lai-tuoi-sang-cho-quan-he-doi-tac-he-sinh-thai-bao-hiem\/"},"modified":"2024-10-29T08:52:37","modified_gmt":"2024-10-29T13:52:37","slug":"mot-tuong-lai-tuoi-sang-cho-quan-he-doi-tac-he-sinh-thai-bao-hiem","status":"publish","type":"insight","link":"https:\/\/bolttech.io\/vi\/insights\/mot-tuong-lai-tuoi-sang-cho-quan-he-doi-tac-he-sinh-thai-bao-hiem\/","title":{"rendered":"M\u1ed9t t\u01b0\u01a1ng lai t\u01b0\u01a1i s\u00e1ng cho quan h\u1ec7 \u0111\u1ed1i t\u00e1c h\u1ec7 sinh th\u00e1i b\u1ea3o hi\u1ec3m"},"content":{"rendered":"\n

Khi quan h\u1ec7 \u0111\u1ed1i t\u00e1c h\u1ec7 sinh th\u00e1i l\u1ea7n \u0111\u1ea7u ti\u00ean xu\u1ea5t hi\u1ec7n, r\u1ea5t \u00edt c\u00f4ng ty b\u1ea3o hi\u1ec3m coi ch\u00fang l\u00e0 m\u1ed9t kh\u00e1i ni\u1ec7m mang t\u00ednh c\u00e1ch m\u1ea1ng. C\u00e1c doanh nghi\u1ec7p t\u1eeb l\u00e2u \u0111\u00e3 l\u00e0m vi\u1ec7c c\u00f9ng nhau \u0111\u1ec3 th\u1ef1c hi\u1ec7n l\u1ee3i \u00edch chung v\u00e0 ti\u1ebfp c\u1eadn \u0111\u1ed1i t\u01b0\u1ee3ng chung.<\/p>\n\n

Khi h\u1ec7 sinh th\u00e1i ph\u00e1t tri\u1ec3n, ch\u00fang ng\u00e0y c\u00e0ng n\u1ed5i b\u1eadt so v\u1edbi c\u00e1c m\u1ed1i quan h\u1ec7 \u0111\u1ed1i t\u00e1c ho\u1eb7c h\u1ee3p t\u00e1c c\u0169. Ng\u00e0y nay, quan h\u1ec7 \u0111\u1ed1i t\u00e1c h\u1ec7 sinh th\u00e1i th\u00e0nh c\u00f4ng chia s\u1ebb m\u1ed9t s\u1ed1 t\u00ednh n\u0103ng chung. Ch\u00ednh nh\u1eefng t\u00ednh n\u0103ng n\u00e0y s\u1ebd ti\u1ebfp t\u1ee5c \u0111\u1ecbnh h\u00ecnh s\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a quan h\u1ec7 \u0111\u1ed1i t\u00e1c b\u1ea3o hi\u1ec3m v\u00e0 xu h\u01b0\u1edbng h\u1ec7 sinh th\u00e1i.<\/p>\n\n

Quan h\u1ec7 \u0111\u1ed1i t\u00e1c v\u00e0 h\u1ec7 sinh th\u00e1i: Ch\u00fang t\u00f4i \u0111ang \u1edf \u0111\u00e2u<\/h2>\n\n

C\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m hi\u1ec7n \u0111ang xem quan h\u1ec7 \u0111\u1ed1i t\u00e1c h\u1ec7 sinh th\u00e1i l\u00e0 \u0111i\u1ec1u c\u1ea7n thi\u1ebft cho kh\u1ea3 n\u0103ng ph\u1ee5c h\u1ed3i v\u00e0 th\u00e0nh c\u00f4ng trong t\u01b0\u01a1ng lai c\u1ee7a h\u1ecd. M\u1ed9t nghi\u00ean c\u1ee9u c\u1ee7a Swiss Re cho th\u1ea5y 76% gi\u00e1m \u0111\u1ed1c \u0111i\u1ec1u h\u00e0nh b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c h\u1ecfi tin r\u1eb1ng “l\u1ee3i th\u1ebf c\u1ea1nh tranh s\u1ebd kh\u00f4ng \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh b\u1edfi m\u1ed9t m\u00ecnh t\u1ed5 ch\u1ee9c c\u1ee7a h\u1ecd, m\u00e0 b\u1edfi s\u1ee9c m\u1ea1nh c\u1ee7a c\u00e1c \u0111\u1ed1i t\u00e1c v\u00e0 h\u1ec7 sinh th\u00e1i m\u00e0 h\u1ecd ch\u1ecdn”, Evangelos Avramakis<\/a>, et al.<\/p>\n\n

Khi s\u1ef1 quan t\u00e2m \u0111\u1ebfn c\u00e1c d\u1ecbch v\u1ee5 h\u1ec7 sinh th\u00e1i \u0111\u00e3 t\u0103ng l\u00ean, nghi\u00ean c\u1ee9u v\u00e0 kh\u00e1m ph\u00e1 c\u00e1c ch\u1ee7 \u0111\u1ec1 li\u00ean quan \u0111\u1ebfn h\u1ec7 sinh th\u00e1i c\u0169ng v\u1eady. M\u1ed9t nghi\u00ean c\u1ee9u n\u0103m 2017 c\u1ee7a Kelsey McDonough<\/a> v\u00e0 c\u00e1c nh\u00e0 nghi\u00ean c\u1ee9u \u0111\u1ed3ng nghi\u1ec7p cho th\u1ea5y cu\u1ed9c th\u1ea3o lu\u1eadn v\u1ec1 c\u00e1c d\u1ecbch v\u1ee5 h\u1ec7 sinh th\u00e1i \u0111\u00e3 di\u1ec5n ra v\u00e0o cu\u1ed1i nh\u1eefng n\u0103m 2010.<\/p>\n\n

N\u0103m n\u0103m tr\u01b0\u1edbc, vi\u1ec7c thi\u1ebfu th\u00f4ng tin li\u00ean l\u1ea1c ti\u00eau chu\u1ea9n xung quanh quan h\u1ec7 \u0111\u1ed1i t\u00e1c h\u1ec7 sinh th\u00e1i \u0111\u00e3 c\u1ea3n tr\u1edf c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u00e0 nh\u1eefng ng\u01b0\u1eddi tham gia kh\u00e1c chia s\u1ebb \u00fd t\u01b0\u1edfng v\u00e0 x\u00e2y d\u1ef1ng c\u00e1c h\u1ec7 th\u1ed1ng hi\u1ec7u qu\u1ea3. Ng\u00e0y nay, r\u00e0o c\u1ea3n giao ti\u1ebfp th\u1ea5p h\u01a1n nhi\u1ec1u. C\u00e1c c\u00f4ng c\u1ee5 v\u00e0 n\u1ec1n t\u1ea3ng k\u1ef9 thu\u1eadt s\u1ed1 m\u1edbi c\u0169ng gi\u00fap c\u00e1c \u0111\u1ed1i t\u00e1c trong h\u1ec7 sinh th\u00e1i giao ti\u1ebfp v\u00e0 c\u1ed9ng t\u00e1c d\u1ec5 d\u00e0ng h\u01a1n.<\/p>\n\n

C\u00e1c xu h\u01b0\u1edbng hi\u1ec7n t\u1ea1i kh\u00e1c c\u0169ng \u0111ang th\u00fac \u0111\u1ea9y t\u0103ng tr\u01b0\u1edfng h\u1ec7 sinh th\u00e1i. C\u00e1c API \u0111\u01b0\u1ee3c c\u1ea3i thi\u1ec7n \u0111\u1ec3 chia s\u1ebb d\u1eef li\u1ec7u t\u1ed1t h\u01a1n, hi\u1ec3u bi\u1ebft s\u00e2u h\u01a1n v\u1ec1 kh\u00e1ch h\u00e0ng t\u1eeb ph\u00e2n t\u00edch d\u1eef li\u1ec7u h\u1ed7 tr\u1ee3 AI, t\u1ef1 \u0111\u1ed9ng h\u00f3a d\u1ef1a tr\u00ean AI v\u00e0 m\u1ed1i quan t\u00e2m v\u1ec1 t\u00ednh b\u1ec1n v\u1eefng, t\u1ea5t c\u1ea3 \u0111\u1ec1u h\u1ed7 tr\u1ee3 c\u00f4ng vi\u1ec7c tr\u00ean h\u1ec7 sinh th\u00e1i k\u1ef9 thu\u1eadt s\u1ed1, Matteo Pisani<\/a>, nh\u00e0 \u0111\u1ea7u t\u01b0 v\u00e0 qu\u1ea3n l\u00fd ch\u01b0\u01a1ng tr\u00ecnh t\u1ea1i n\u1ec1n t\u1ea3ng \u0111\u1ed5i m\u1edbi Plug and Play vi\u1ebft.<\/p>\n\n

\u0110\u1ea1i d\u1ecbch COVID-19 \u0111\u00e3 th\u00fac \u0111\u1ea9y nhu c\u1ea7u t\u0103ng tr\u01b0\u1edfng c\u00f4ng ngh\u1ec7 v\u00e0 k\u1ebft n\u1ed1i. T\u1ed5 ch\u1ee9c l\u1ea1i c\u00e1c t\u01b0\u01a1ng t\u00e1c c\u1ee7a con ng\u01b0\u1eddi xung quanh m\u00f4i tr\u01b0\u1eddng k\u1ef9 thu\u1eadt s\u1ed1 \u0111\u00e3 tr\u1edf th\u00e0nh m\u1ed9t kh\u00f4ng gian m\u1edf r\u1ed9ng t\u1ef1 nhi\u00ean cho quan h\u1ec7 \u0111\u1ed1i t\u00e1c h\u1ec7 sinh th\u00e1i, d\u1ef1a v\u00e0o c\u00e1c n\u1ec1n t\u1ea3ng v\u00e0 kh\u00f4ng gian k\u1ef9 thu\u1eadt s\u1ed1 \u0111\u1ec3 mang kh\u00e1ch h\u00e0ng v\u00e0 \u0111\u1ed1i t\u00e1c h\u1ec7 sinh th\u00e1i l\u1ea1i v\u1edbi nhau.<\/p>\n\n

\u0110\u1ea1i d\u1ecbch c\u0169ng thay \u0111\u1ed5i c\u00e1ch c\u00e1c doanh nghi\u1ec7p v\u00e0 kh\u00e1ch h\u00e0ng mong \u0111\u1ee3i t\u01b0\u01a1ng t\u00e1c tr\u1ef1c tuy\u1ebfn. “K\u1ef3 v\u1ecdng c\u1ee7a kh\u00e1ch h\u00e0ng v\u00e0 nh\u00e2n vi\u00ean \u0111\u00e3 thay \u0111\u1ed5i nhi\u1ec1u h\u01a1n trong 18 th\u00e1ng so v\u1edbi hai th\u1eadp k\u1ef7 tr\u01b0\u1edbc” do \u0111\u1ea1i d\u1ecbch, Ellen Walsh<\/a> v\u00e0 c\u00e1c t\u00e1c gi\u1ea3 \u0111\u1ed3ng nghi\u1ec7p t\u1ea1i PwC vi\u1ebft. Nh\u1eefng k\u1ef3 v\u1ecdng thay \u0111\u1ed5i n\u00e0y, k\u1ebft h\u1ee3p v\u1edbi s\u1ef1 c\u1ea5p b\u00e1ch c\u1ee7a \u0111\u1ea1i d\u1ecbch, bu\u1ed9c c\u00e1c h\u00e3ng b\u1ea3o hi\u1ec3m ph\u1ea3i suy ngh\u0129 kh\u00e1c v\u1ec1 c\u00f4ng vi\u1ec7c c\u1ee7a h\u1ecd. H\u1ec7 sinh th\u00e1i cung c\u1ea5p m\u1ed9t s\u1ef1 thay th\u1ebf \u0111\u1ea7y h\u1ee9a h\u1eb9n.<\/p>\n\n

Bi\u1ebfn \u0111\u1ed5i kh\u00ed h\u1eadu l\u00e0 m\u1ed1i \u0111e d\u1ecda hi\u1ec7n t\u1ea1i \u0111\u1ed1i v\u1edbi c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m t\u00e0i s\u1ea3n v\u00e0 th\u01b0\u01a1ng vong. C\u1ea3 t\u00e1c \u0111\u1ed9ng v\u00e0 t\u1ed1c \u0111\u1ed9 bi\u1ebfn \u0111\u1ed5i kh\u00ed h\u1eadu to\u00e0n c\u1ea7u \u0111\u1ec1u g\u00e2y \u00e1p l\u1ef1c l\u00ean c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u1ec3 hi\u1ec3u v\u00e0 gi\u1ea3m thi\u1ec3u r\u1ee7i ro ch\u01b0a t\u1eebng c\u00f3, Shannon Flynn<\/a> vi\u1ebft trong R\u1ee7i ro &; B\u1ea3o hi\u1ec3m. Tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o v\u00e0 c\u00e1c c\u00f4ng c\u1ee5 kh\u00e1c l\u00e0m n\u1ec1n t\u1ea3ng cho h\u1ec7 sinh th\u00e1i k\u1ef9 thu\u1eadt s\u1ed1 c\u0169ng c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng \u0111\u1ec3 gi\u1ea3i quy\u1ebft t\u1ed1t h\u01a1n nh\u1eefng r\u1ee7i ro n\u00e0y.<\/p>\n\n

Quan h\u1ec7 \u0111\u1ed1i t\u00e1c h\u1ec7 sinh th\u00e1i mang l\u1ea1i m\u1ed9t s\u1ed1 l\u1ee3i \u00edch cho c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m, c\u00e1c doanh nghi\u1ec7p v\u00e0 kh\u00e1ch h\u00e0ng li\u00ean quan. Ng\u00e0y nay, nh\u1eefng n\u1ed7 l\u1ef1c ph\u00e1t tri\u1ec3n h\u1ec7 sinh th\u00e1i t\u1eadp trung v\u00e0o c\u00e1c l\u0129nh v\u1ef1c mang l\u1ea1i l\u1ee3i \u00edch cho t\u1ea5t c\u1ea3 nh\u1eefng ng\u01b0\u1eddi tham gia c\u00f9ng m\u1ed9t l\u00fac.<\/p>\n\n

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

Ph\u00e1t tri\u1ec3n xu h\u01b0\u1edbng trong quan h\u1ec7 \u0111\u1ed1i t\u00e1c h\u1ec7 sinh th\u00e1i<\/h2>\n\n

Quan h\u1ec7 \u0111\u1ed1i t\u00e1c kinh doanh lu\u00f4n \u0111\u01b0\u1ee3c h\u00ecnh th\u00e0nh \u0111\u1ec3 t\u1eadp trung v\u00e0o c\u00e1c m\u1ee5c ti\u00eau chung. Trong m\u1ed9t h\u1ec7 sinh th\u00e1i k\u1ef9 thu\u1eadt s\u1ed1, m\u1ee5c ti\u00eau bao tr\u00f9m l\u00e0 t\u1ea1o \u0111i\u1ec1u ki\u1ec7n trao \u0111\u1ed5i th\u00f4ng tin nhanh ch\u00f3ng. Khi th\u00f4ng tin c\u00f3 s\u1eb5n v\u00e0 d\u1ec5 d\u00e0ng ph\u00e2n t\u00edch, n\u00f3 c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng cho c\u00e1c m\u1ee5c ti\u00eau kh\u00e1c, ch\u1eb3ng h\u1ea1n nh\u01b0 c\u1ea3i thi\u1ec7n tr\u1ea3i nghi\u1ec7m c\u1ee7a kh\u00e1ch h\u00e0ng v\u00e0 th\u00fac \u0111\u1ea9y t\u0103ng tr\u01b0\u1edfng.<\/p>\n\n

Hi\u1ec7n t\u1ea1i, m\u1ed9t s\u1ed1 th\u00e1ch th\u1ee9c l\u00e0m c\u01a1 s\u1edf cho s\u1ef1 quan t\u00e2m c\u1ee7a c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u1ed1i v\u1edbi quan h\u1ec7 \u0111\u1ed1i t\u00e1c v\u00e0 d\u1ecbch v\u1ee5 h\u1ec7 sinh th\u00e1i, Bernard Tubiana<\/a> v\u00e0 c\u00e1c chi\u1ebfn l\u01b0\u1ee3c gia b\u1ea3o hi\u1ec3m \u0111\u1ed3ng nghi\u1ec7p t\u1ea1i Deloitte vi\u1ebft. Ch\u00fang bao g\u1ed3m:<\/p>\n\n