{"id":18566,"date":"2024-09-19T20:50:48","date_gmt":"2024-09-20T01:50:48","guid":{"rendered":"https:\/\/bolttech.io\/insight\/2022-xu-huong-quy-4-ve-ai-cho-bao-hiem\/"},"modified":"2024-09-19T20:50:49","modified_gmt":"2024-09-20T01:50:49","slug":"2022-xu-huong-quy-4-ve-ai-cho-bao-hiem","status":"publish","type":"insight","link":"https:\/\/bolttech.io\/vi\/insights\/2022-xu-huong-quy-4-ve-ai-cho-bao-hiem\/","title":{"rendered":"2022: Xu h\u01b0\u1edbng qu\u00fd 4 v\u1ec1 AI cho b\u1ea3o hi\u1ec3m"},"content":{"rendered":"\n<p>B\u1ea3o hi\u1ec3m \u0111\u00e3 \u0111\u1ee9ng v\u1eefng trong nhi\u1ec1u th\u1ebf k\u1ef7 khi th\u1eddi gian v\u00e0 c\u00f4ng ngh\u1ec7 \u0111\u00e3 thay \u0111\u1ed5i xung quanh n\u00f3.\nNg\u00e0y nay, ng\u00e0nh b\u1ea3o hi\u1ec3m \u0111ang thay \u0111\u1ed5i nhanh ch\u00f3ng \u0111\u1ec3 \u0111\u00e1p \u1ee9ng v\u1edbi cu\u1ed9c c\u00e1ch m\u1ea1ng k\u1ef9 thu\u1eadt s\u1ed1 \u0111ang di\u1ec5n ra.\nAI l\u00e0 m\u1ed9t h\u00ecnh th\u1ee9c \u0111\u1ed9t ph\u00e1 k\u1ef9 thu\u1eadt s\u1ed1 \u0111ang g\u00e2y b\u00e3o trong ng\u00e0nh b\u1ea3o hi\u1ec3m.  <\/p>\n\n<p>&#8220;Tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o (AI) c\u00f3 kh\u1ea3 n\u0103ng n\u00e2ng cao chu\u1ed7i gi\u00e1 tr\u1ecb c\u1ee7a ng\u00e0nh b\u1ea3o hi\u1ec3m b\u1eb1ng c\u00e1ch thay \u0111\u1ed5i c\u00e1c m\u1ed1i quan h\u1ec7, t\u00e1i t\u1ea1o n\u1ec1n t\u1ea3ng kinh doanh v\u00e0 m\u1edf r\u1ed9ng d\u1eef li\u1ec7u \u1ea9n&#8221;, <a href=\"https:\/\/onlinelibrary.wiley.com\/doi\/abs\/10.1111\/rmir.12111\" target=\"_blank\" rel=\"noreferrer noopener\">Kevin H. Kelley<\/a> v\u00e0 c\u00e1c \u0111\u1ed3ng t\u00e1c gi\u1ea3 vi\u1ebft trong m\u1ed9t b\u00e0i b\u00e1o n\u0103m 2018 tr\u00ean T\u1ea1p ch\u00ed Qu\u1ea3n l\u00fd r\u1ee7i ro v\u00e0 B\u1ea3o hi\u1ec3m.<\/p>\n\n<p>Nhi\u1ec1u l\u1eddi h\u1ee9a \u0111\u00e3 lan truy\u1ec1n v\u1ec1 kh\u1ea3 n\u0103ng c\u00e1ch m\u1ea1ng c\u1ee7a AI \u0111\u1ed1i v\u1edbi b\u1ea3o hi\u1ec3m.\nTi\u1ebfn b\u1ed9 th\u1ef1c t\u1ebf c\u1ee7a c\u00f4ng ngh\u1ec7 \u0111\u00e3 ch\u1eadm h\u01a1n &#8211; nh\u01b0ng tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o tr\u00ean th\u1ef1c t\u1ebf \u0111ang thay \u0111\u1ed5i c\u00e1ch c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m ti\u1ebfp c\u1eadn ph\u00e2n ph\u1ed1i v\u00e0 m\u1ed1i quan h\u1ec7 kh\u00e1ch h\u00e0ng. <\/p>\n\n<h2 class=\"wp-block-heading\">Tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o v\u00e0 ph\u00e2n ph\u1ed1i b\u1ea3o hi\u1ec3m<\/h2>\n\n<p>Tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o kh\u00f4ng \u0111\u1ed9t ng\u1ed9t xu\u1ea5t hi\u1ec7n tr\u00ean th\u1ecb tr\u01b0\u1eddng b\u1ea3o hi\u1ec3m v\u00e0o n\u0103m 2022.\nThay v\u00e0o \u0111\u00f3, s\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a n\u00f3 nh\u01b0 m\u1ed9t c\u00f4ng c\u1ee5 b\u1ea3o hi\u1ec3m \u0111\u00e3 song song v\u1edbi s\u1ef1 ph\u1ee5 thu\u1ed9c ng\u00e0y c\u00e0ng t\u0103ng v\u00e0o d\u1eef li\u1ec7u v\u00e0 c\u00f4ng ngh\u1ec7 k\u1ef9 thu\u1eadt s\u1ed1 trong b\u1ea3o hi\u1ec3m, trong c\u00e1c ng\u00e0nh li\u00ean quan v\u00e0 trong cu\u1ed9c s\u1ed1ng h\u00e0ng ng\u00e0y c\u1ee7a kh\u00e1ch h\u00e0ng. <\/p>\n\n<p>&#8220;AI \u0111ang ph\u00e1t tri\u1ec3n do &#8216;d\u1eef li\u1ec7u h\u00f3a&#8217; ng\u00e0y c\u00e0ng t\u0103ng v\u1ec1 c\u00e1c t\u01b0\u01a1ng t\u00e1c kinh doanh, cu\u1ed9c s\u1ed1ng ri\u00eang t\u01b0 v\u00e0 cu\u1ed9c s\u1ed1ng c\u00f4ng c\u1ed9ng&#8221;, c\u00e1c nh\u00e0 nghi\u00ean c\u1ee9u <a href=\"https:\/\/www.researchgate.net\/profile\/Naman-Kumar-3\/publication\/337305024_Artificial_Intelligence_in_Insurance_Sector\/links\/5dd00e33a6fdcc7e138761cc\/Artificial-Intelligence-in-Insurance-Sector.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Naman Kumar, Jayant Dev Srivastava v\u00e0 Harshit Bisht<\/a> \u0111\u00e3 vi\u1ebft v\u00e0o n\u0103m 2017.\nN\u0103m n\u0103m sau, d\u1eef li\u1ec7u \u0111\u01b0\u1ee3c t\u1ea1o ra b\u1edfi doanh nghi\u1ec7p v\u00e0 n\u1ed7 l\u1ef1c c\u00e1 nh\u00e2n c\u1ee7a con ng\u01b0\u1eddi ti\u1ebfp t\u1ee5c b\u00f9ng n\u1ed5 &#8211; v\u00e0 nhu c\u1ea7u v\u00e0 s\u1eed d\u1ee5ng tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o c\u0169ng v\u1eady. <\/p>\n\n<p>Tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o \u0111\u00e3 ph\u00e1t tri\u1ec3n trong v\u00e0i th\u1eadp k\u1ef7 qua th\u00e0nh m\u1ed9t s\u1ed1 c\u00f4ng c\u1ee5 v\u00e0 \u1ee9ng d\u1ee5ng t\u1eadp trung h\u01a1n.\nAI, c\u00f9ng v\u1edbi h\u1ecdc m\u00e1y (ML) v\u00e0 h\u1ecdc s\u00e2u (DL), cung c\u1ea5p ba c\u00e1ch \u0111\u1eb7c bi\u1ec7t m\u1ea1nh m\u1ebd \u0111\u1ec3 c\u1ea3i thi\u1ec7n ph\u00e2n ph\u1ed1i b\u1ea3o hi\u1ec3m, <a href=\"https:\/\/www.mckinsey.com\/industries\/financial-services\/our-insights\/insurance-2030-the-impact-of-ai-on-the-future-of-insurance\" target=\"_blank\" rel=\"noreferrer noopener\">Ramnath Balasubramanian, Ari Libarikian v\u00e0 Doug McElhaney<\/a> t\u1ea1i McKinsey vi\u1ebft: <\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>Tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o<\/strong> m\u00f4 t\u1ea3 t\u1ea5t c\u1ea3 c\u00e1c c\u00e1ch m\u00e0 m\u00e1y m\u00f3c b\u1eaft ch\u01b0\u1edbc c\u00e1c ch\u1ee9c n\u0103ng nh\u1eadn th\u1ee9c c\u1ee7a con ng\u01b0\u1eddi, nh\u01b0 h\u1ecdc t\u1eadp, ph\u00e1t hi\u1ec7n c\u00e1c m\u1eabu v\u00e0 \u0111\u01b0a ra d\u1ef1 \u0111o\u00e1n.<\/li>\n\n\n\n<li><strong>H\u1ecdc m\u00e1y<\/strong> t\u1eadp trung v\u00e0o kh\u1ea3 n\u0103ng gi\u1ed1ng nh\u01b0 h\u1ecdc t\u1eadp c\u1ee7a AI \u0111\u1ec3 \u0111\u00e0o t\u1ea1o c\u00e1c thu\u1eadt to\u00e1n s\u1eafp x\u1ebfp v\u00e0 ph\u1ea3n h\u1ed3i d\u1eef li\u1ec7u \u0111\u1ea7u v\u00e0o theo nhi\u1ec1u c\u00e1ch kh\u00e1c nhau.\nML c\u0169ng c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c giao nhi\u1ec7m v\u1ee5 \u0111\u01b0a ra d\u1ef1 \u0111o\u00e1n d\u1ef1a tr\u00ean d\u1eef li\u1ec7u hi\u1ec7n c\u00f3. <\/li>\n\n\n\n<li><strong>H\u1ecdc s\u00e2u<\/strong> ti\u1ebfp t\u1ee5c ch\u1eaft l\u1ecdc kh\u1ea3 n\u0103ng c\u1ee7a ML \u0111\u1ec3 t\u1ea1o ra s\u1ef1 tr\u1eebu t\u01b0\u1ee3ng t\u1eeb c\u00e1c m\u00f4 h\u00ecnh d\u1eef li\u1ec7u.\nDL th\u01b0\u1eddng s\u1eed d\u1ee5ng m\u1ea1ng l\u01b0\u1edbi th\u1ea7n kinh \u0111\u1ec3 sao ch\u00e9p c\u00e1c ch\u1ee9c n\u0103ng c\u1ee7a n\u00e3o b\u1eb1ng c\u00e1ch k\u1ebft n\u1ed1i c\u00e1c thu\u1eadt to\u00e1n AI th\u00edch h\u1ee3p kh\u00e1c nhau v\u1edbi nhau. <\/li>\n<\/ul>\n\n<p>Trong ph\u00e2n ph\u1ed1i b\u1ea3o hi\u1ec3m h\u00e0ng ng\u00e0y, c\u00e1c c\u00f4ng c\u1ee5 n\u00e0y c\u00f3 th\u1ec3 xu\u1ea5t hi\u1ec7n d\u01b0\u1edbi nhi\u1ec1u h\u00ecnh th\u1ee9c kh\u00e1c nhau.\nM\u1ed9t v\u00ed d\u1ee5 l\u00e0 trong c\u00e1c c\u00f4ng c\u1ee5 giao ti\u1ebfp \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng \u0111\u1ec3 k\u1ebft n\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng.\nC\u00e1c chatbot h\u1ed7 tr\u1ee3 AI cung c\u1ea5p m\u1ed9t c\u00e1ch \u0111\u1ec3 h\u1ed7 tr\u1ee3 t\u1ea1o ra gi\u00e1 tr\u1ecb b\u1eb1ng c\u00e1ch nu\u00f4i d\u01b0\u1ee1ng m\u1ed1i quan h\u1ec7 kh\u00e1ch h\u00e0ng, <a href=\"https:\/\/www.emerald.com\/insight\/content\/doi\/10.1108\/IJBM-01-2017-0015\/full\/html\" target=\"_blank\" rel=\"noreferrer noopener\">Mikko Riikkinen<\/a> v\u00e0 c\u00e1c nh\u00e0 nghi\u00ean c\u1ee9u \u0111\u1ed3ng nghi\u1ec7p gi\u1ea3i th\u00edch trong m\u1ed9t b\u00e0i b\u00e1o tr\u00ean T\u1ea1p ch\u00ed Ti\u1ebfp th\u1ecb Ng\u00e2n h\u00e0ng Qu\u1ed1c t\u1ebf.  <\/p>\n\n<p>Tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o c\u00f3 th\u1ec3 th\u00edch \u1ee9ng v\u1edbi l\u1ef1a ch\u1ecdn t\u1eeb ng\u1eef c\u1ee7a kh\u00e1ch h\u00e0ng v\u00e0 n\u1ed9i dung ph\u1ea3n h\u1ed3i c\u1ee7a h\u1ecd, cho ph\u00e9p chatbot thu th\u1eadp th\u00f4ng tin nhanh ch\u00f3ng v\u00e0 t\u1ef1 nhi\u00ean.\nSau \u0111\u00f3, chatbot c\u00f3 th\u1ec3 chuy\u1ec3n th\u00f4ng tin n\u00e0y cho \u0111\u1ea1i l\u00fd ho\u1eb7c \u0111\u1ea1i di\u1ec7n d\u1ecbch v\u1ee5 kh\u00e1ch h\u00e0ng \u0111\u1ec3 ti\u1ebfp t\u1ee5c cu\u1ed9c tr\u00f2 chuy\u1ec7n. <\/p>\n\n<p>H\u1ecdc m\u00e1y v\u00e0 h\u1ecdc s\u00e2u c\u0169ng cung c\u1ea5p nh\u1eefng c\u00e1ch m\u1edbi \u0111\u1ec3 ph\u00e2n t\u00edch d\u1eef li\u1ec7u r\u1ee7i ro v\u00e0 t\u1ed5n th\u1ea5t, m\u00f4 h\u00ecnh h\u00f3a c\u00e1c kh\u1ea3 n\u0103ng v\u00e0 kh\u1ea3 n\u0103ng c\u0169ng nh\u01b0 ti\u1ebfp c\u1eadn b\u1ea3o l\u00e3nh ph\u00e1t h\u00e0nh.\nKhi c\u00e1c nh\u00e0 b\u1ea3o l\u00e3nh ph\u00e1t h\u00e0nh k\u1ebft h\u1ee3p d\u1eef li\u1ec7u n\u00e0y \u0111\u1ec3 ra quy\u1ebft \u0111\u1ecbnh nhi\u1ec1u s\u1eafc th\u00e1i h\u01a1n, c\u00e1c l\u0129nh v\u1ef1c m\u1edbi v\u1ec1 ph\u00f2ng ng\u1eeba m\u1ea5t m\u00e1t v\u00e0 b\u1ea3o v\u1ec7 kh\u00e1ch h\u00e0ng m\u1edf ra. <\/p>\n\n<figure class=\"wp-block-image aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"682\" src=\"https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/focused-work-on-laptop-1024x682.jpg\" alt=\"\" class=\"wp-image-11518\" srcset=\"https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/focused-work-on-laptop-1024x682.jpg 1024w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/focused-work-on-laptop-300x200.jpg 300w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/focused-work-on-laptop-768x511.jpg 768w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/focused-work-on-laptop.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n<h2 class=\"wp-block-heading\">AI s\u1ebd \u0111i v\u1ec1 \u0111\u00e2u ti\u1ebfp theo?<\/h2>\n\n<p>Nghi\u00ean c\u1ee9u v\u1ec1 tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o cho th\u1ea5y kh\u00f4ng ch\u1ec9 AI cung c\u1ea5p gi\u00e1 tr\u1ecb trong c\u00e1c t\u00ecnh hu\u1ed1ng hi\u1ec7n t\u1ea1i ho\u1eb7c trong vi\u1ec7c ki\u1ec3m tra c\u00e1c b\u1ed9 d\u1eef li\u1ec7u trong qu\u00e1 kh\u1ee9 m\u00e0 c\u00f2n AI c\u00f3 th\u1ec3 \u0111\u01b0a ra d\u1ef1 \u0111o\u00e1n v\u1ec1 c\u00e1c s\u1ef1 ki\u1ec7n trong t\u01b0\u01a1ng lai d\u1ef1a tr\u00ean th\u00f4ng tin trong qu\u00e1 kh\u1ee9.<\/p>\n\n<p>B\u1ea3o hi\u1ec3m t\u1eeb l\u00e2u \u0111\u00e3 ho\u1ea1t \u0111\u1ed9ng trong l\u0129nh v\u1ef1c gi\u1ea3i quy\u1ebft c\u00e1c r\u1ee7i ro ti\u1ec1m \u1ea9n d\u1ef1a tr\u00ean th\u00f4ng tin v\u1ec1 nh\u1eefng t\u1ed5n th\u1ea5t tr\u01b0\u1edbc \u0111\u00f3.\nTuy nhi\u00ean, trong nhi\u1ec1u th\u1ebf k\u1ef7, tr\u1ecdng t\u00e2m ch\u00ednh v\u1eabn l\u00e0 b\u1ed3i th\u01b0\u1eddng t\u1ed5n th\u1ea5t. <\/p>\n\n<p>Khi AI tr\u1edf n\u00ean ph\u1ed5 bi\u1ebfn h\u01a1n trong b\u1ea3o hi\u1ec3m, &#8220;m\u00f4 h\u00ecnh kinh doanh b\u1ea3o hi\u1ec3m s\u1ebd chuy\u1ec3n t\u1eeb b\u1ed3i th\u01b0\u1eddng t\u1ed5n th\u1ea5t sang d\u1ef1 \u0111o\u00e1n v\u00e0 ph\u00f2ng ng\u1eeba t\u1ed5n th\u1ea5t&#8221;, <a href=\"https:\/\/link.springer.com\/article\/10.1057\/s41288-020-00201-7\" target=\"_blank\" rel=\"noreferrer noopener\">Martin Eling, Davide Nuessle v\u00e0 Julian Staubli<\/a> vi\u1ebft trong m\u1ed9t b\u00e0i b\u00e1o n\u0103m 2021 tr\u00ean The Geneva Papers on Risk and Insurance.\nKhi tr\u1ecdng t\u00e2m c\u1ee7a ng\u00e0nh thay \u0111\u1ed5i, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m s\u1ebd kh\u00e1m ph\u00e1 ra nh\u1eefng c\u00e1ch m\u1edbi \u0111\u1ec3 gi\u1ea3m chi ph\u00ed trong khi v\u1eabn duy tr\u00ec ho\u1eb7c t\u0103ng gi\u00e1 tr\u1ecb cho kh\u00e1ch h\u00e0ng. <\/p>\n\n<p>T\u1eadp trung v\u00e0o ph\u00f2ng ng\u1eeba m\u1ea5t m\u00e1t bao g\u1ed3m t\u1eadp trung v\u00e0o h\u00e0nh vi c\u1ee7a kh\u00e1ch h\u00e0ng.\nAI c\u0169ng cung c\u1ea5p c\u00e1c c\u00e1ch kh\u00e1c \u0111\u1ec3 ph\u00e2n t\u00edch v\u00e0 hi\u1ec3u vi\u1ec7c ra quy\u1ebft \u0111\u1ecbnh c\u1ee7a kh\u00e1ch h\u00e0ng. <\/p>\n\n<p>V\u00ed d\u1ee5, m\u1ed9t nghi\u00ean c\u1ee9u n\u0103m 2020 \u0111\u01b0\u1ee3c c\u00f4ng b\u1ed1 tr\u00ean Risks m\u00f4 t\u1ea3 m\u1ed9t m\u00f4 h\u00ecnh AI &#8220;c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng \u0111\u1ec3 gi\u1ea3i th\u00edch l\u00fd do t\u1ea1i sao kh\u00e1ch h\u00e0ng mua ho\u1eb7c t\u1eeb b\u1ecf b\u1ea3o hi\u1ec3m phi nh\u00e2n th\u1ecd&#8221;, c\u00e1c nh\u00e0 nghi\u00ean c\u1ee9u <a href=\"https:\/\/www.mdpi.com\/2227-9091\/8\/4\/137\" target=\"_blank\" rel=\"noreferrer noopener\">Alex Gramegna v\u00e0 Paolo Giudici<\/a> vi\u1ebft.\nM\u00f4 h\u00ecnh c\u00f3 th\u1ec3 thu th\u1eadp th\u00f4ng tin v\u1ec1 h\u00e0nh vi c\u1ee7a kh\u00e1ch h\u00e0ng trong th\u1eddi gian th\u1ef1c, cho ph\u00e9p c\u00e1c \u0111\u1ea1i l\u00fd v\u00e0 \u0111\u1ea1i di\u1ec7n d\u1ecbch v\u1ee5 kh\u00e1ch h\u00e0ng hi\u1ec3u r\u00f5 h\u01a1n v\u00e0 gi\u1ea3i quy\u1ebft nhu c\u1ea7u c\u1ee7a kh\u00e1ch h\u00e0ng trong th\u1eddi \u0111i\u1ec3m n\u00e0y. <\/p>\n\n<p>Nhi\u1ec1u c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u00e3 b\u00e1o c\u00e1o r\u1eb1ng AI \u0111ang tr\u1ea3 h\u1ebft cho h\u1ecd.\nM\u1ed9t cu\u1ed9c kh\u1ea3o s\u00e1t c\u1ee7a PwC \u0111\u1ed1i v\u1edbi c\u00e1c gi\u00e1m \u0111\u1ed1c \u0111i\u1ec1u h\u00e0nh b\u1ea3o hi\u1ec3m cho th\u1ea5y: <\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>65%<\/strong> n\u00f3i r\u1eb1ng AI \u0111\u00e3 gi\u00fap h\u1ecd t\u1ea1o ra tr\u1ea3i nghi\u1ec7m kh\u00e1ch h\u00e0ng t\u1ed1t h\u01a1n.<\/li>\n\n\n\n<li><strong>49%<\/strong> tin t\u01b0\u1edfng AI v\u1edbi vi\u1ec7c c\u1ea3i thi\u1ec7n vi\u1ec7c ra quy\u1ebft \u0111\u1ecbnh n\u1ed9i b\u1ed9.<\/li>\n\n\n\n<li><strong>47%<\/strong> b\u00e1o c\u00e1o c\u1ea3i thi\u1ec7n hi\u1ec7u qu\u1ea3, n\u0103ng su\u1ea5t ho\u1eb7c ti\u1ebft ki\u1ec7m chi ph\u00ed t\u1eeb vi\u1ec7c s\u1eed d\u1ee5ng AI.<\/li>\n<\/ul>\n\n<p>Ngay c\u1ea3 trong s\u1ed1 c\u00e1c gi\u00e1m \u0111\u1ed1c \u0111i\u1ec1u h\u00e0nh b\u1ea3o hi\u1ec3m hi\u1ec7n kh\u00f4ng nh\u00ecn th\u1ea5y l\u1ee3i \u00edch, s\u1ef1 nhi\u1ec7t t\u00ecnh \u0111\u1ed1i v\u1edbi AI v\u1eabn cao, <a href=\"https:\/\/www.pwc.com\/us\/en\/tech-effect\/ai-analytics\/ai-predictions\/insurance.html\" target=\"_blank\" rel=\"noreferrer noopener\">Matt Adams, Marie Carr v\u00e0 Anand Rao<\/a> c\u1ee7a PwC vi\u1ebft.\nCh\u1eb3ng h\u1ea1n, m\u1eb7c d\u00f9 47% s\u1ed1 ng\u01b0\u1eddi \u0111\u01b0\u1ee3c h\u1ecfi n\u00f3i r\u1eb1ng h\u1ecd ch\u01b0a th\u1ea5y doanh thu t\u0103ng l\u00ean t\u1eeb vi\u1ec7c s\u1eed d\u1ee5ng AI, nh\u01b0ng h\u1ecd hy v\u1ecdng s\u1ebd th\u1ea5y nh\u1eefng k\u1ebft qu\u1ea3 n\u00e0y trong v\u00f2ng hai n\u0103m.\nC\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u1eabn cam k\u1ebft \u0111\u1ea7u t\u01b0 v\u00e0o tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o, ngay c\u1ea3 khi kho\u1ea3n thanh to\u00e1n kh\u00f4ng ph\u1ea3i l\u00e0 ngay l\u1eadp t\u1ee9c.  <\/p>\n\n<figure class=\"wp-block-image aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/workspace-with-laptop-1024x683.jpg\" alt=\"\" class=\"wp-image-11508\" srcset=\"https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/workspace-with-laptop-1024x683.jpg 1024w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/workspace-with-laptop-300x200.jpg 300w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/workspace-with-laptop-768x512.jpg 768w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/workspace-with-laptop.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n<h2 class=\"wp-block-heading\">K\u1ebft h\u1ee3p AI ng\u00e0y nay cho c\u00e1c \u1ee9ng d\u1ee5ng c\u1ee7a ng\u00e0y mai<\/h2>\n\n<p>B\u1ea5t ch\u1ea5p nh\u1eefng suy \u0111o\u00e1n c\u1ee7a gi\u1edbi truy\u1ec1n th\u00f4ng v\u1ec1 m\u1ed9t t\u01b0\u01a1ng lai \u0111\u01b0\u1ee3c th\u00fac \u0111\u1ea9y ho\u00e0n to\u00e0n b\u1edfi m\u00e1y m\u00f3c, c\u00e1c m\u00f4 h\u00ecnh v\u00e0 thu\u1eadt to\u00e1n AI ng\u00e0y nay kh\u00f4ng th\u1ec3 t\u1ef1 \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh, <a href=\"https:\/\/www.businessnewsdaily.com\/10203-artificial-intelligence-insurance-industry.html\" target=\"_blank\" rel=\"noreferrer noopener\">Adam Uzialko<\/a> vi\u1ebft tr\u00ean Business News Daily.\nTr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o kh\u00f4ng th\u1ec3 thay th\u1ebf c\u00e1c t\u00e1c nh\u00e2n c\u1ee7a con ng\u01b0\u1eddi, ng\u01b0\u1eddi b\u1ea3o l\u00e3nh ph\u00e1t h\u00e0nh ho\u1eb7c nh\u1eefng ng\u01b0\u1eddi ra quy\u1ebft \u0111\u1ecbnh kh\u00e1c. <\/p>\n\n<p>Nh\u1eefng g\u00ec c\u00f4ng ngh\u1ec7 c\u00f3 th\u1ec3 l\u00e0m l\u00e0 cung c\u1ea5p t\u00f3m t\u1eaft c\u00e1c b\u1ed9 d\u1eef li\u1ec7u v\u00e0 th\u00f4ng tin chi ti\u1ebft l\u01b0\u1ee3m l\u1eb7t \u0111\u01b0\u1ee3c t\u1eeb d\u1eef li\u1ec7u \u0111\u00f3 cho nh\u1eefng ng\u01b0\u1eddi ra quy\u1ebft \u0111\u1ecbnh c\u1ee7a con ng\u01b0\u1eddi.\nM\u1ed9t \u0111\u1ea1i l\u00fd ho\u1eb7c \u0111\u1ea1i di\u1ec7n d\u1ecbch v\u1ee5 kh\u00e1ch h\u00e0ng c\u00f3 th\u1ec3 xem x\u00e9t th\u00f4ng tin \u0111\u00f3 v\u00e0 \u0111\u00e1p \u1ee9ng nhu c\u1ea7u c\u1ee5 th\u1ec3 c\u1ee7a kh\u00e1ch h\u00e0ng.\nAI c\u0169ng c\u00f3 th\u1ec3 gi\u1ea3m th\u1eddi gian m\u00e0 c\u00e1c chuy\u00ean gia con ng\u01b0\u1eddi d\u00e0nh cho c\u00e1c nhi\u1ec7m v\u1ee5 t\u1ea7m th\u01b0\u1eddng ho\u1eb7c l\u1eb7p \u0111i l\u1eb7p l\u1ea1i nh\u01b0 sao ch\u00e9p t\u00ean v\u00e0 \u0111\u1ecba ch\u1ec9 c\u1ee7a kh\u00e1ch h\u00e0ng v\u00e0o c\u00e1c bi\u1ec3u m\u1eabu kh\u00e1c nhau.  <\/p>\n\n<p>&#8220;K\u1ebft qu\u1ea3 l\u00e0 c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c trang b\u1ecb t\u1ed1t h\u01a1n \u0111\u1ec3 b\u00e1n cho kh\u00e1ch h\u00e0ng c\u00e1c k\u1ebf ho\u1ea1ch ph\u00f9 h\u1ee3p nh\u1ea5t v\u1edbi h\u1ecd&#8221;, Uzialko vi\u1ebft.<\/p>\n\n<p><a href=\"https:\/\/www.pwc.com\/us\/en\/tech-effect\/ai-analytics\/ai-predictions.html\" target=\"_blank\" rel=\"noreferrer noopener\">Scott Likens, Michael Shehab v\u00e0 Anand Rao<\/a> c\u1ee7a PwC vi\u1ebft r\u1eb1ng c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m s\u1ebd c\u1ea7n t\u1eadp trung v\u00e0o m\u1ed9t s\u1ed1 l\u0129nh v\u1ef1c \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o tri\u1ec3n khai tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o hi\u1ec7u qu\u1ea3, c\u00f3 tr\u00e1ch nhi\u1ec7m trong nh\u1eefng n\u0103m t\u1edbi:<\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>\u0110\u00e1nh gi\u00e1 r\u1ee7i ro v\u00e0 l\u1eadp k\u1ebf ho\u1ea1ch gi\u00e1m s\u00e1t r\u1ee7i ro.<\/strong>  C\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m s\u1ebd c\u1ea7n xem x\u00e9t c\u00e1ch AI t\u01b0\u01a1ng t\u00e1c v\u1edbi c\u00e1c c\u01a1 h\u1ed9i, r\u1ee7i ro v\u00e0 th\u1ef1c ti\u1ec5n t\u00e0i ch\u00ednh, ho\u1ea1t \u0111\u1ed9ng v\u00e0 uy t\u00edn c\u1ee7a h\u1ecd.<\/li>\n\n\n\n<li><strong>\u0110\u1eebng bao gi\u1edd &#8220;\u0111\u1eb7t n\u00f3 v\u00e0 qu\u00ean n\u00f3&#8221;.<\/strong>  AI h\u1ecdc h\u1ecfi v\u00e0 th\u00edch nghi d\u1ef1a tr\u00ean th\u00f4ng tin m\u00e0 n\u00f3 c\u00f3 th\u1ec3 truy c\u1eadp.\nDo \u0111\u00f3, con ng\u01b0\u1eddi ph\u1ea3i theo d\u00f5i s\u1ef1 th\u00edch \u1ee9ng v\u00e0 \u0111\u1ea7u ra c\u1ee7a AI \u0111\u1ec3 gi\u1ea3m t\u00e1c \u0111\u1ed9ng c\u1ee7a s\u1ef1 thi\u00ean v\u1ecb kh\u00f4ng th\u1ec3 ch\u1ea5p nh\u1eadn \u0111\u01b0\u1ee3c v\u00e0 h\u01b0\u1edbng d\u1eabn ph\u00e1t tri\u1ec3n AI. <\/li>\n\n\n\n<li><strong>L\u00e0m cho \u0111\u1ea1o \u0111\u1ee9c tr\u1edf th\u00e0nh m\u1ed9t ph\u1ea7n thi\u1ebft y\u1ebfu c\u1ee7a AI.<\/strong>  AI c\u00f3 th\u1ec3 h\u1ecdc h\u1ecfi v\u00e0 th\u00edch nghi, nh\u01b0ng n\u00f3 kh\u00f4ng c\u00f3 kho kinh nghi\u1ec7m v\u00e0 t\u01b0\u01a1ng t\u00e1c c\u1ee7a con ng\u01b0\u1eddi m\u00e0 con ng\u01b0\u1eddi coi l\u00e0 \u0111i\u1ec1u hi\u1ec3n nhi\u00ean khi ch\u00fang ta h\u1ecdc nh\u1eefng \u0111i\u1ec1u m\u1edbi.\nCoi \u0111\u00e0o t\u1ea1o \u0111\u1ea1o \u0111\u1ee9c l\u00e0 m\u1ed9t ph\u1ea7n thi\u1ebft y\u1ebfu c\u1ee7a vi\u1ec7c s\u1eed d\u1ee5ng AI l\u00e0 \u0111i\u1ec1u b\u1eaft bu\u1ed9c. <\/li>\n<\/ul>\n\n<p>D\u1ea1y c\u00e1c chuy\u00ean gia b\u1ea3o hi\u1ec3m l\u00e0m vi\u1ec7c c\u00f9ng v\u1edbi AI c\u0169ng r\u1ea5t c\u1ea7n thi\u1ebft cho c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m mu\u1ed1n ti\u1ebfp t\u1ee5c ph\u00e1t tri\u1ec3n sau n\u0103m 2022.\nC\u00e1c th\u00e0nh vi\u00ean trong nh\u00f3m s\u1ebd c\u1ea7n ph\u1ea3i \u0111i\u1ec1u ch\u1ec9nh quy tr\u00ecnh l\u00e0m vi\u1ec7c c\u1ee7a ri\u00eang h\u1ecd.\nH\u1ecd c\u0169ng s\u1ebd c\u1ea7n hi\u1ec3u c\u00e1ch th\u1ee9c ho\u1ea1t \u0111\u1ed9ng c\u1ee7a AI, nh\u1eefng h\u1ea1n ch\u1ebf c\u1ee7a n\u00f3 l\u00e0 g\u00ec v\u00e0 n\u01a1i n\u00f3 c\u1ea7n \u0111\u01b0\u1ee3c theo d\u00f5i.  <\/p>\n\n<p>T\u1eebng l\u00e0 th\u1ee9 c\u1ee7a khoa h\u1ecdc vi\u1ec5n t\u01b0\u1edfng, tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o hi\u1ec7n l\u00e0 th\u1ef1c t\u1ebf h\u00e0ng ng\u00e0y \u0111\u1ed1i v\u1edbi c\u00e1c h\u00e3ng b\u1ea3o hi\u1ec3m, \u0111\u1ea1i l\u00fd, nh\u00e0 m\u00f4i gi\u1edbi v\u00e0 kh\u00e1ch h\u00e0ng.\nKhi c\u00f4ng ngh\u1ec7 ph\u00e1t tri\u1ec3n v\u00e0 tr\u01b0\u1edfng th\u00e0nh, n\u00f3 s\u1ebd thay \u0111\u1ed5i c\u00e1ch c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m kinh doanh &#8211; v\u00e0 c\u00e1ch h\u1ecd cung c\u1ea5p gi\u00e1 tr\u1ecb cho kh\u00e1ch h\u00e0ng trong khi b\u1ea3o v\u1ec7 l\u1ee3i nhu\u1eadn c\u1ee7a ch\u00ednh h\u1ecd. <\/p>\n\n<p><em>H\u00ecnh \u1ea3nh b\u1edfi: rh2010\/\u00a9123RF.com, marchmeena\/\u00a9123RF.com, sebra\/\u00a9123RF.com<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>B\u1ea3o hi\u1ec3m \u0111\u00e3 \u0111\u1ee9ng v\u1eefng trong nhi\u1ec1u th\u1ebf k\u1ef7 khi th\u1eddi gian v\u00e0 c\u00f4ng ngh\u1ec7 \u0111\u00e3 thay \u0111\u1ed5i xung quanh n\u00f3. Ng\u00e0y nay, ng\u00e0nh b\u1ea3o hi\u1ec3m \u0111ang thay \u0111\u1ed5i nhanh ch\u00f3ng \u0111\u1ec3 \u0111\u00e1p \u1ee9ng v\u1edbi cu\u1ed9c c\u00e1ch m\u1ea1ng k\u1ef9 thu\u1eadt s\u1ed1 \u0111ang di\u1ec5n ra. AI l\u00e0 m\u1ed9t h\u00ecnh th\u1ee9c \u0111\u1ed9t ph\u00e1 k\u1ef9 thu\u1eadt s\u1ed1 \u0111ang [&hellip;]<\/p>\n","protected":false},"featured_media":0,"template":"","insight-category":[],"class_list":["post-18566","insight","type-insight","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight\/18566","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight"}],"about":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/types\/insight"}],"wp:attachment":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/media?parent=18566"}],"wp:term":[{"taxonomy":"insight-category","embeddable":true,"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight-category?post=18566"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}