{"id":18531,"date":"2024-09-19T19:41:38","date_gmt":"2024-09-20T00:41:38","guid":{"rendered":"https:\/\/bolttech.io\/insight\/vien-thong-va-bao-hiem-nhin-lai-nhin-ve-phia-truoc\/"},"modified":"2024-09-19T19:41:40","modified_gmt":"2024-09-20T00:41:40","slug":"vien-thong-va-bao-hiem-nhin-lai-nhin-ve-phia-truoc","status":"publish","type":"insight","link":"https:\/\/bolttech.io\/vi\/insights\/vien-thong-va-bao-hiem-nhin-lai-nhin-ve-phia-truoc\/","title":{"rendered":"Vi\u1ec5n th\u00f4ng v\u00e0 B\u1ea3o hi\u1ec3m: Nh\u00ecn l\u1ea1i, Nh\u00ecn v\u1ec1 ph\u00eda tr\u01b0\u1edbc"},"content":{"rendered":"\n

C\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u00e3 \u0111\u01b0a ra c\u00e1c th\u1eed nghi\u1ec7m ban \u0111\u1ea7u v\u1edbi c\u00e1c thi\u1ebft b\u1ecb \u0111\u01b0\u1ee3c k\u1ebft n\u1ed1i v\u00e0o cu\u1ed1i nh\u1eefng n\u0103m 2000 v\u00e0 \u0111\u1ea7u nh\u1eefng n\u0103m 2010.\nK\u1ec3 t\u1eeb \u0111\u00f3, nhi\u1ec1u thi\u1ebft b\u1ecb \u0111\u01b0\u1ee3c k\u1ebft n\u1ed1i trong Internet of Things (IoT) h\u1ee9a h\u1eb9n s\u1ebd c\u1ea3i thi\u1ec7n ch\u1ea5t l\u01b0\u1ee3ng v\u00e0 quy\u1ec1n truy c\u1eadp d\u1eef li\u1ec7u, cung c\u1ea5p c\u1ea3nh b\u00e1o s\u1edbm v\u00e0 tinh ch\u1ec9nh c\u00f4ng vi\u1ec7c c\u1ee7a c\u00e1c nh\u00e0 b\u1ea3o l\u00e3nh. <\/p>\n\n

S\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a Internet of Things<\/h2>\n\n

Nh\u1eefng n\u1ed7 l\u1ef1c gi\u1edbi thi\u1ec7u vi\u1ec5n th\u00f4ng v\u00e0o b\u1ea3o hi\u1ec3m t\u00e0i s\u1ea3n v\u00e0 th\u01b0\u01a1ng vong b\u1eaft \u0111\u1ea7u v\u00e0o cu\u1ed1i nh\u1eefng n\u0103m 2000, khi Progressive gi\u1edbi thi\u1ec7u c\u00e1c t\u00f9y ch\u1ecdn vi\u1ec5n th\u00f4ng \u0111\u1ec3 gi\u00fap \u0111i\u1ec1u ch\u1ec9nh ph\u00ed b\u1ea3o hi\u1ec3m c\u1ee7a kh\u00e1ch h\u00e0ng theo h\u00e0nh vi l\u00e1i xe c\u1ee7a h\u1ecd.<\/p>\n\n

C\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m ti\u1ebfp t\u1ee5c th\u1ec3 hi\u1ec7n s\u1ef1 quan t\u00e2m \u0111\u1ebfn vi\u1ec5n th\u00f4ng.\nK\u1ec3 t\u1eeb khi ra m\u1eaft v\u00e0o n\u0103m 2017, LexisNexis Telematics Exchange \u0111\u00e3 chi\u1ebfm 42% th\u1ecb tr\u01b0\u1eddng b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 c\u1ee7a Hoa K\u1ef3 – bao g\u1ed3m n\u0103m trong s\u1ed1 m\u01b0\u1eddi nh\u00e0 m\u1ea1ng h\u00e0ng \u0111\u1ea7u d\u1ef1a tr\u00ean th\u1ecb ph\u1ea7n. <\/p>\n\n

M\u1ee5c ti\u00eau c\u1ee7a S\u00e0n giao d\u1ecbch vi\u1ec5n th\u00f4ng l\u00e0 “cung c\u1ea5p c\u00e1c gi\u1ea3i ph\u00e1p cho ph\u00e9p ch\u1ee7 s\u1edf h\u1eefu ph\u01b0\u01a1ng ti\u1ec7n ti\u1ebfp c\u1eadn nhi\u1ec1u h\u01a1n v\u1edbi c\u00e1c s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 \u0111\u01b0\u1ee3c c\u00e1 nh\u00e2n h\u00f3a h\u01a1n”, Adam Hudson<\/a>, ph\u00f3 ch\u1ee7 t\u1ecbch v\u00e0 t\u1ed5ng gi\u00e1m \u0111\u1ed1c c\u1ee7a US Connected Car, LexisNexis Risk Solutions cho bi\u1ebft.\nS\u00e0n giao d\u1ecbch c\u0169ng t\u1ed5ng h\u1ee3p d\u1eef li\u1ec7u vi\u1ec5n th\u00f4ng, cho ph\u00e9p c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m hi\u1ec3u r\u00f5 h\u01a1n v\u1ec1 h\u00e0nh vi c\u1ee7a t\u00e0i x\u1ebf. <\/p>\n\n

Vi\u1ec5n th\u00f4ng d\u01b0\u1eddng nh\u01b0 c\u0169ng thu h\u00fat c\u00e1c t\u00e0i x\u1ebf.\nAllstate \u0111\u00e3 ch\u1ee9ng ki\u1ebfn vi\u1ec7c s\u1eed d\u1ee5ng c\u00e1c t\u00f9y ch\u1ecdn vi\u1ec5n th\u00f4ng c\u1ee7a t\u00e0i x\u1ebf t\u0103ng g\u1ea5p \u0111\u00f4i t\u1eeb n\u0103m 2020 \u0111\u1ebfn n\u0103m 2022, David MacInnis<\/a>, ph\u00f3 ch\u1ee7 t\u1ecbch hi\u1ec7n \u0111\u1ea1i h\u00f3a t\u00ednh to\u00e1n v\u00e0 ph\u00e2n t\u00edch t\u1ea1i Allstate cho bi\u1ebft.\nS\u1ef1 k\u1ebft h\u1ee3p gi\u1eefa l\u1ee3i \u00edch c\u1ee7a t\u00e0i x\u1ebf v\u00e0 l\u1ee3i \u00edch c\u1ee7a nh\u00e0 cung c\u1ea5p d\u1ecbch v\u1ee5 l\u00e0m cho vi\u1ec5n th\u00f4ng tr\u1edf th\u00e0nh n\u01a1i g\u1eb7p g\u1ee1 t\u1ef1 nhi\u00ean cho c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u00e0 kh\u00e1ch h\u00e0ng c\u1ee7a h\u1ecd. <\/p>\n\n

C\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u0169ng \u0111ang t\u00ecm nh\u1eefng c\u00e1ch kh\u00e1c \u0111\u1ec3 \u0111\u01b0a vi\u1ec5n th\u00f4ng v\u00e0o s\u1eed d\u1ee5ng.\nV\u00ed d\u1ee5, Chubb khuy\u1ebfn kh\u00edch c\u00e1c kh\u00e1ch h\u00e0ng th\u01b0\u01a1ng m\u1ea1i, t\u1ed5 ch\u1ee9c v\u00e0 d\u00e2n c\u01b0 s\u1eed d\u1ee5ng vi\u1ec5n th\u00f4ng nh\u01b0 m\u1ed9t h\u1ec7 th\u1ed1ng c\u1ea3nh b\u00e1o s\u1edbm v\u1ec1 r\u00f2 r\u1ec9 c\u00f3 th\u1ec3 g\u00e2y thi\u1ec7t h\u1ea1i v\u1ec1 n\u01b0\u1edbc.\nM\u1ed9t h\u1ec7 th\u1ed1ng c\u1ea3nh b\u00e1o n\u01b0\u1edbc d\u1ef1a tr\u00ean vi\u1ec5n th\u00f4ng do Chubb \u0111\u1ec1 xu\u1ea5t t\u1ea1i Providence College \u0111\u00e3 b\u1ecb r\u00f2 r\u1ec9 s\u1edbm trong m\u00e1y gi\u1eb7t k\u00fd t\u00fac x\u00e1 – m\u1ed9t h\u1ec7 th\u1ed1ng m\u00e0 n\u1ebfu kh\u00f4ng \u0111\u01b0\u1ee3c gi\u00e1m s\u00e1t, c\u00f3 th\u1ec3 khi\u1ebfn tr\u01b0\u1eddng \u0111\u1ea1i h\u1ecdc v\u00e0 Chubb t\u1ed1n h\u00e0ng tr\u0103m ng\u00e0n \u0111\u00f4 la \u0111\u1ec3 gi\u1ea3i quy\u1ebft, Andy Sullivan<\/a>, tr\u1ee3 l\u00fd ph\u00f3 ch\u1ee7 t\u1ecbch nh\u00e0 m\u00e1y v\u1eadt l\u00fd t\u1ea1i Providence College cho bi\u1ebft. <\/p>\n\n

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

M\u01b0\u1eddi n\u0103m t\u1edbi: C\u01a1 h\u1ed9i IoT cho c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m<\/h2>\n\n

T\u00ednh to\u00e1n ch\u00ednh x\u00e1c s\u1ed1 l\u01b0\u1ee3ng thi\u1ebft b\u1ecb IoT \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng ng\u00e0y nay l\u00e0 r\u1ea5t kh\u00f3, James Pearce<\/a> t\u1ea1i TechInform vi\u1ebft.\nTuy nhi\u00ean, h\u1ea7u h\u1ebft c\u00e1c ngu\u1ed3n \u0111\u1ec1u \u0111\u1ed3ng \u00fd v\u1ec1 hai s\u1ef1 ki\u1ec7n: T\u1ed5ng s\u1ed1 l\u00e0 h\u00e0ng t\u1ef7, v\u00e0 con s\u1ed1 \u0111\u00f3 s\u1ebd t\u0103ng l\u00ean trong nh\u1eefng n\u0103m t\u1edbi. <\/p>\n\n

M\u1ed9t s\u1ed1 y\u1ebfu t\u1ed1 \u0111\u00e3 th\u00fac \u0111\u1ea9y s\u1ef1 gia t\u0103ng c\u1ee7a c\u00e1c thi\u1ebft b\u1ecb \u0111\u01b0\u1ee3c k\u1ebft n\u1ed1i trong th\u1eadp k\u1ef7 tr\u01b0\u1edbc.\nV\u00e0o n\u0103m 2017, Mark Patel, Jason Shangkuan v\u00e0 Christopher Thomas<\/a> c\u1ee7a McKinsey \u0111\u00e3 x\u00e1c \u0111\u1ecbnh hai y\u1ebfu t\u1ed1 – kh\u1ea3 n\u0103ng ti\u1ebfp c\u1eadn k\u1ebft n\u1ed1i v\u00e0 gi\u1ea3m chi ph\u00ed thi\u1ebft b\u1ecb – c\u00f9ng nhau th\u00fac \u0111\u1ea9y vi\u1ec7c \u00e1p d\u1ee5ng c\u00e1c thi\u1ebft b\u1ecb \u0111\u01b0\u1ee3c k\u1ebft n\u1ed1i. <\/p>\n\n

Nh\u1eefng y\u1ebfu t\u1ed1 n\u00e0y ti\u1ebfp t\u1ee5c t\u1ea1o \u0111i\u1ec1u ki\u1ec7n thu\u1eadn l\u1ee3i cho kh\u00e1ch h\u00e0ng s\u1eed d\u1ee5ng c\u00e1c thi\u1ebft b\u1ecb \u0111\u01b0\u1ee3c k\u1ebft n\u1ed1i.\nS\u1ef1 ch\u1ea5p nh\u1eadn c\u1ee7a kh\u00e1ch h\u00e0ng c\u0169ng \u0111\u00e3 \u0111\u01b0\u1ee3c \u0111\u1ea9y nhanh b\u1edfi \u0111\u1ea1i d\u1ecbch COVID-19.\nKhi c\u00e1c l\u1ec7nh phong t\u1ecfa ng\u0103n c\u1ea3n m\u1ecdi ng\u01b0\u1eddi th\u1ef1c hi\u1ec7n m\u1ed9t s\u1ed1 nhi\u1ec7m v\u1ee5 tr\u1ef1c ti\u1ebfp, c\u00e1c thi\u1ebft b\u1ecb \u0111\u01b0\u1ee3c k\u1ebft n\u1ed1i \u0111\u00e3 \u0111\u1ea3m nh\u1eadn c\u00f4ng vi\u1ec7c ki\u1ec3m tra c\u01a1 s\u1edf h\u1ea1 t\u1ea7ng xem c\u00f3 r\u00f2 r\u1ec9 v\u00e0 c\u00e1c h\u01b0 h\u1ecfng kh\u00e1c kh\u00f4ng.\nVi\u1ec5n th\u00f4ng tr\u1edf n\u00ean ph\u1ed5 bi\u1ebfn h\u01a1n khi m\u1ecdi ng\u01b0\u1eddi th\u1ea5y nh\u1eefng thay \u0111\u1ed5i c\u0103n b\u1ea3n trong th\u00f3i quen l\u00e1i xe c\u1ee7a h\u1ecd – v\u00e0 s\u1ef1 kh\u00f4ng ph\u00f9 h\u1ee3p trong vi\u1ec7c tr\u1ea3 ti\u1ec1n b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 khi hi\u1ebfm khi c\u00f3 n\u01a1i n\u00e0o \u0111\u1ec3 l\u00e1i xe. <\/p>\n\n

Umme Sutarwala<\/a>, ph\u00f3ng vi\u00ean tin t\u1ee9c to\u00e0n c\u1ea7u t\u1ea1i Ondot Media, x\u00e1c \u0111\u1ecbnh m\u1ed9t s\u1ed1 xu h\u01b0\u1edbng IoT c\u00f3 kh\u1ea3 n\u0103ng t\u1ed3n t\u1ea1i trong nh\u1eefng n\u0103m t\u1edbi.\nC\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 h\u01b0\u1edfng l\u1ee3i t\u1eeb vi\u1ec7c ch\u1ea5p nh\u1eadn m\u1ed9t s\u1ed1, bao g\u1ed3m: <\/p>\n\n