{"id":18774,"date":"2024-09-19T20:55:20","date_gmt":"2024-09-20T01:55:20","guid":{"rendered":"https:\/\/bolttech.io\/insight\/su-dung-cong-nghe-de-cung-cap-cho-khach-hang-bao-hiem-trai-nghiem-ho-can\/"},"modified":"2024-09-19T20:55:26","modified_gmt":"2024-09-20T01:55:26","slug":"su-dung-cong-nghe-de-cung-cap-cho-khach-hang-bao-hiem-trai-nghiem-ho-can","status":"publish","type":"insight","link":"https:\/\/bolttech.io\/vi\/insights\/su-dung-cong-nghe-de-cung-cap-cho-khach-hang-bao-hiem-trai-nghiem-ho-can\/","title":{"rendered":"S\u1eed d\u1ee5ng c\u00f4ng ngh\u1ec7 \u0111\u1ec3 cung c\u1ea5p cho kh\u00e1ch h\u00e0ng b\u1ea3o hi\u1ec3m tr\u1ea3i nghi\u1ec7m h\u1ecd c\u1ea7n"},"content":{"rendered":"\n

S\u1ef1 gi\u00e1n \u0111o\u1ea1n k\u1ef9 thu\u1eadt s\u1ed1 trong b\u1ea3o hi\u1ec3m \u0111\u00e3 di\u1ec5n ra m\u1ea1nh m\u1ebd trong nh\u1eefng n\u0103m g\u1ea7n \u0111\u00e2y, l\u00e0m \u0111\u1ea3o l\u1ed9n c\u00e1ch th\u1ee9c kinh doanh c\u1ee7a c\u00e1c h\u00e3ng v\u1eadn t\u1ea3i v\u00e0 \u0111\u1ea1i l\u00fd v\u00e0 thay \u0111\u1ed5i c\u00e1ch kh\u00e1ch h\u00e0ng ngh\u0129 v\u1ec1 b\u1ea3o hi\u1ec3m v\u00e0 ph\u00e2n ph\u1ed1i.<\/p>\n\n

Ng\u00e0y nay, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 h\u00e0ng t\u00e1 c\u00f4ng c\u1ee5, t\u00f9y ch\u1ecdn v\u00e0 quan h\u1ec7 \u0111\u1ed1i t\u00e1c k\u1ef9 thu\u1eadt s\u1ed1 \u0111\u1ec3 l\u1ef1a ch\u1ecdn.\nTuy nhi\u00ean, c\u01a1 h\u1ed9i n\u00e0o trong s\u1ed1 n\u00e0y c\u0169ng gi\u00fap c\u00f4ng ty b\u1ea3o hi\u1ec3m ho\u00e0n th\u00e0nh s\u1ee9 m\u1ec7nh c\u1ee7a m\u00ecnh, th\u1ec3 hi\u1ec7n c\u00e1c gi\u00e1 tr\u1ecb c\u1ed1t l\u00f5i v\u00e0 \u0111\u00e1p \u1ee9ng c\u00e1c m\u1ee5c ti\u00eau ng\u1eafn h\u1ea1n v\u00e0 d\u00e0i h\u1ea1n trong ng\u00e0nh?\n\u0110i\u1ec1u ch\u1ec9nh c\u00e1c gi\u00e1 tr\u1ecb v\u1edbi c\u00e1c l\u1ef1a ch\u1ecdn k\u1ef9 thu\u1eadt s\u1ed1 l\u00e0 \u0111i\u1ec1u b\u1eaft bu\u1ed9c \u0111\u1ec3 x\u00e2y d\u1ef1ng m\u1ed1i quan h\u1ec7 kh\u00e1ch h\u00e0ng m\u1ea1nh m\u1ebd v\u00e0 \u0111\u01b0a ng\u00e0nh c\u00f4ng nghi\u1ec7p ti\u1ebfn l\u00ean. <\/p>\n\n

Tu\u1ed5i c\u1ee7a kh\u00e1ch h\u00e0ng b\u1ea3o hi\u1ec3m<\/h2>\n\n

\u0110\u1ea1i d\u1ecbch COVID-19 \u0111\u00e3 thay \u0111\u1ed5i c\u00e1ch kh\u00e1ch h\u00e0ng mua b\u1ea3o hi\u1ec3m ngh\u0129 v\u1ec1 b\u1ea3o hi\u1ec3m, b\u1edfi v\u00ec c\u00e1c cu\u1ed9c kh\u1ee7ng ho\u1ea3ng s\u1ee9c kh\u1ecfe \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn c\u00e1ch h\u1ecd ngh\u0129 v\u1ec1 s\u1ef1 an to\u00e0n v\u00e0 b\u1ea3o m\u1eadt c\u1ee7a h\u1ecd n\u00f3i chung.\nKh\u00e1ch h\u00e0ng hi\u1ec7n \u0111ang quan t\u00e2m \u0111\u1ebfn vi\u1ec7c n\u1eafm l\u1ea5y c\u00e1c bi\u1ec7n ph\u00e1p b\u1ea3o v\u1ec7 ch\u1ed1ng l\u1ea1i nh\u1eefng \u0111i\u1ec1u ch\u01b0a bi\u1ebft, ch\u1eb3ng h\u1ea1n nh\u01b0 b\u1ea3o hi\u1ec3m, Bernhard Klein Wassink v\u00e0 Fayaz Jaffer<\/a> c\u1ee7a EY vi\u1ebft. <\/p>\n\n

V\u00ec nh\u1eefng ng\u01b0\u1eddi tr\u1ebb tu\u1ed5i ph\u1ea3i ch\u1ecbu g\u00e1nh n\u1eb7ng v\u1ec1 t\u00e1c \u0111\u1ed9ng t\u00e0i ch\u00ednh c\u1ee7a vi\u1ec7c \u0111\u00f3ng c\u1eeda COVID-19, h\u1ecd c\u00f3 nhi\u1ec1u kh\u1ea3 n\u0103ng chuy\u1ec3n sang b\u1ea3o hi\u1ec3m v\u00e0 c\u00e1c h\u00ecnh th\u1ee9c b\u1ea3o v\u1ec7 t\u00e0i ch\u00ednh kh\u00e1c – v\u00e0 c\u00f3 nhi\u1ec1u kh\u1ea3 n\u0103ng l\u00e0m nh\u01b0 v\u1eady th\u00f4ng qua c\u00e1c ph\u01b0\u01a1ng ti\u1ec7n c\u00f4ng ngh\u1ec7.<\/p>\n\n

\u0110\u00e3 quen thu\u1ed9c v\u1edbi vi\u1ec7c ti\u1ebfn h\u00e0nh kinh doanh tr\u1ef1c tuy\u1ebfn, kh\u00e1ch h\u00e0ng b\u1ea3o hi\u1ec3m gi\u1edd \u0111\u00e2y ngh\u0129 \u0111\u1ebfn vi\u1ec7c truy c\u1eadp tr\u1ef1c tuy\u1ebfn nh\u01b0 th\u01b0\u1eddng l\u1ec7.\nH\u1ecd cho r\u1eb1ng c\u01a1 s\u1edf h\u1ea1 t\u1ea7ng k\u1ef9 thu\u1eadt s\u1ed1 t\u1ed3n t\u1ea1i \u0111\u1ec3 h\u1ed7 tr\u1ee3 c\u00e1c nhi\u1ec7m v\u1ee5 h\u1ecd c\u1ea7n ho\u00e0n th\u00e0nh.\nKhi t\u00f9y ch\u1ecdn kinh doanh tr\u1ef1c tuy\u1ebfn \u0111\u01a1n gi\u1ea3n l\u00e0 kh\u00f4ng t\u1ed3n t\u1ea1i, n\u00f3 c\u1ee7ng c\u1ed1 ni\u1ec1m tin c\u1ee7a kh\u00e1ch h\u00e0ng r\u1eb1ng ng\u00e0nh b\u1ea3o hi\u1ec3m \u0111\u00e3 l\u1ed7i th\u1eddi v\u00e0 m\u1ea5t li\u00ean l\u1ea1c v\u1edbi nhu c\u1ea7u c\u1ee7a h\u1ecd, Chris Ewing<\/a>, ng\u01b0\u1eddi s\u00e1ng l\u1eadp v\u00e0 gi\u00e1m \u0111\u1ed1c chi\u1ebfn l\u01b0\u1ee3c t\u1ea1i n\u1ec1n t\u1ea3ng thanh to\u00e1n One Inc vi\u1ebft.\nNi\u1ec1m tin n\u00e0y l\u00e0m suy y\u1ebfu ni\u1ec1m tin c\u1ee7a kh\u00e1ch h\u00e0ng v\u00e0o b\u1ea3o hi\u1ec3m nh\u01b0 m\u1ed9t ph\u01b0\u01a1ng ti\u1ec7n b\u1ea3o v\u1ec7 \u0111\u00e1ng tin c\u1eady. <\/p>\n\n

“T\u1ed1c \u0111\u1ed9 thay \u0111\u1ed5i d\u1ef1 ki\u1ebfn c\u1ee7a kh\u00e1ch h\u00e0ng \u0111ang t\u0103ng t\u1ed1c v\u00e0 c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m ph\u1ea3i c\u00f3 kh\u1ea3 n\u0103ng th\u1ef1c hi\u1ec7n c\u00e1c b\u01b0\u1edbc \u0111\u1ec3 v\u01b0\u1ee3t ra ngo\u00e0i nh\u1eefng \u0111i\u1ec1u c\u01a1 b\u1ea3n ch\u1ec9 \u0111\u01a1n gi\u1ea3n l\u00e0 s\u1ed1 h\u00f3a c\u00e1c nhi\u1ec7m v\u1ee5 c\u1ee7a kh\u00e1ch h\u00e0ng”, Tom Super<\/a>, ng\u01b0\u1eddi \u0111\u1ee9ng \u0111\u1ea7u c\u00e1c gi\u1ea3i ph\u00e1p \u0111\u1ea1i l\u00fd t\u1ea1i th\u1ecb tr\u01b0\u1eddng b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 Polly cho bi\u1ebft.<\/p>\n\n

S\u1ef1 gia t\u0103ng c\u1ee7a b\u1ea3o hi\u1ec3m theo y\u00eau c\u1ea7u v\u00e0 c\u00e1c d\u1ecbch v\u1ee5 theo y\u00eau c\u1ea7u trong c\u00e1c ng\u00e0nh c\u00f4ng nghi\u1ec7p kh\u00e1c \u0111\u00e3 th\u00fac \u0111\u1ea9y k\u1ef3 v\u1ecdng c\u1ee7a kh\u00e1ch h\u00e0ng \u0111\u1ed1i v\u1edbi d\u1ecbch v\u1ee5 tr\u1ef1c tuy\u1ebfn li\u1ec1n m\u1ea1ch, \u0111\u01b0\u1ee3c c\u00e1 nh\u00e2n h\u00f3a, c\u00e1c nh\u00e0 nghi\u00ean c\u1ee9u Angela Zeier Roschmann, Matthias Erny &; Joel Wagner<\/a> vi\u1ebft.\nTr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o v\u00e0 c\u00e1c c\u00f4ng c\u1ee5 li\u00ean quan mang \u0111\u1ebfn c\u01a1 h\u1ed9i m\u1edbi cho c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m kh\u00f4ng ch\u1ec9 cung c\u1ea5p d\u1ecbch v\u1ee5 theo y\u00eau c\u1ea7u m\u00e0 c\u00f2n hi\u1ec3u r\u00f5 h\u01a1n v\u1ec1 h\u00e0nh vi c\u1ee7a kh\u00e1ch h\u00e0ng v\u00e0 th\u00edch \u1ee9ng v\u1edbi c\u00e1c y\u1ebfu t\u1ed1 r\u1ee7i ro c\u1ee5 th\u1ec3 – nh\u01b0ng nh\u1eefng c\u00f4ng c\u1ee5 n\u00e0y v\u1eabn ch\u01b0a \u0111\u01b0\u1ee3c nhi\u1ec1u h\u00e3ng v\u1eadn t\u1ea3i s\u1eed d\u1ee5ng. <\/p>\n\n

Khi kh\u1ea3 n\u0103ng cung c\u1ea5p quy\u1ec1n truy c\u1eadp c\u1ee7a c\u00f4ng ty b\u1ea3o hi\u1ec3m kh\u00f4ng ph\u00f9 h\u1ee3p v\u1edbi mong \u0111\u1ee3i c\u1ee7a kh\u00e1ch h\u00e0ng, kh\u00e1ch h\u00e0ng c\u1ea3m th\u1ea5y nhi\u1ec1u h\u01a1n l\u00e0 ch\u1ec9 th\u1ea5t v\u1ecdng.\nH\u1ecd c\u00f3 th\u1ec3 c\u1ea3m th\u1ea5y r\u1eb1ng c\u00f4ng ty b\u1ea3o hi\u1ec3m kh\u00f4ng th\u1ec3 \u0111\u01b0\u1ee3c tin t\u01b0\u1edfng \u0111\u1ec3 cung c\u1ea5p s\u1ef1 b\u1ea3o v\u1ec7 m\u00e0 h\u1ecd coi l\u00e0 t\u1ed1i quan tr\u1ecdng khi \u0111\u1ed1i m\u1eb7t v\u1edbi s\u1ef1 kh\u00f4ng ch\u1eafc ch\u1eafn to\u00e0n c\u1ea7u. <\/p>\n\n

\"Người<\/figure>\n\n

G\u1eafn k\u1ebft gi\u00e1 tr\u1ecb c\u1ed1t l\u00f5i v\u1edbi c\u00f4ng ngh\u1ec7<\/h2>\n\n

B\u1ea3o hi\u1ec3m l\u00e0 m\u1ed9t ng\u00e0nh c\u00f4ng nghi\u1ec7p b\u1ea3o th\u1ee7 truy\u1ec1n th\u1ed1ng khi n\u00f3i \u0111\u1ebfn vi\u1ec7c n\u1eafm b\u1eaft nh\u1eefng \u0111\u1ed5i m\u1edbi \u0111\u1ed1i v\u1edbi th\u1ef1c ti\u1ec5n kinh doanh.\nDo \u0111\u00f3, nhi\u1ec1u c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u00e3 c\u00f3 c\u00e1ch ti\u1ebfp c\u1eadn th\u1eadn tr\u1ecdng \u0111\u1ed1i v\u1edbi c\u00f4ng ngh\u1ec7 trong nh\u1eefng th\u1eadp k\u1ef7 g\u1ea7n \u0111\u00e2y, th\u00edch d\u1ef1a v\u00e0o c\u00e1c ph\u01b0\u01a1ng ti\u1ec7n \u0111\u00e3 \u0111\u01b0\u1ee3c th\u1eed nghi\u1ec7m v\u00e0 \u0111\u00fang \u0111\u1eafn \u0111\u1ec3 ban h\u00e0nh c\u00e1c gi\u00e1 tr\u1ecb c\u1ed1t l\u00f5i c\u1ee7a h\u1ecd h\u01a1n l\u00e0 tin t\u01b0\u1edfng v\u00e0o c\u00f4ng ngh\u1ec7 \u0111\u1ec3 th\u1ef1c hi\u1ec7n c\u00f4ng vi\u1ec7c. <\/p>\n\n

Ng\u00e0y nay, gi\u00e0nh \u0111\u01b0\u1ee3c l\u00f2ng trung th\u00e0nh c\u1ee7a kh\u00e1ch h\u00e0ng b\u1ea3o hi\u1ec3m c\u00f3 ngh\u0129a l\u00e0 th\u1ec3 hi\u1ec7n nh\u1eefng gi\u00e1 tr\u1ecb c\u1ed1t l\u00f5i ki\u00ean \u0111\u1ecbnh \u0111\u00f3 th\u00f4ng qua c\u00e1c c\u00f4ng c\u1ee5 c\u00f4ng ngh\u1ec7 c\u00f3 s\u1eb5n.\n“B\u1eb1ng c\u00e1ch \u0111\u1ea7u t\u01b0 v\u00e0o c\u00e1c c\u00f4ng ngh\u1ec7 ph\u00f9 h\u1ee3p, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 gi\u00e0nh chi\u1ebfn th\u1eafng v\u00e0 gi\u1eef ch\u00e2n kh\u00e1ch h\u00e0ng trong khi trao quy\u1ec1n cho c\u00e1c \u0111\u1ea1i l\u00fd v\u00e0 nh\u00e0 m\u00f4i gi\u1edbi c\u1ee7a h\u1ecd \u0111\u1ec3 l\u00e0m s\u00e2u s\u1eafc th\u00eam c\u00e1c m\u1ed1i quan h\u1ec7”, Anirban Bose<\/a>, Gi\u00e1m \u0111\u1ed1c \u0111i\u1ec1u h\u00e0nh t\u1ea1i Capgemini Financial Services cho bi\u1ebft. <\/p>\n\n

M\u1ee5c ti\u00eau kh\u00f4ng ph\u1ea3i l\u00e0 \u0111\u01b0a c\u00f4ng ngh\u1ec7 l\u00ean t\u00e0u v\u00ec l\u1ee3i \u00edch ri\u00eang c\u1ee7a n\u00f3, m\u00e0 l\u00e0 nh\u1eadn ra gi\u00e1 tr\u1ecb c\u1ee7a c\u00e1c \u0111\u1ea1i l\u00fd \u0111\u01b0\u1ee3c trao quy\u1ec1n, kh\u00e1ch h\u00e0ng trung th\u00e0nh v\u00e0 m\u1ed1i quan h\u1ec7 s\u00e2u s\u1eafc h\u01a1n b\u1eb1ng c\u00e1ch s\u1eed d\u1ee5ng c\u00e1c c\u00f4ng c\u1ee5 k\u1ef9 thu\u1eadt s\u1ed1 ph\u00f9 h\u1ee3p.\nDo \u0111\u00f3, c\u00f4ng ngh\u1ec7 “\u0111\u00fang” \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh b\u1edfi kh\u1ea3 n\u0103ng gi\u00fap c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m nh\u1eadn ra gi\u00e1 tr\u1ecb c\u1ed1t l\u00f5i c\u1ee7a h\u1ecd.\nN\u1ec1n t\u1ea3ng “\u0111\u00fang” l\u00e0 n\u1ec1n t\u1ea3ng t\u0103ng c\u01b0\u1eddng n\u1ed7 l\u1ef1c h\u01b0\u1edbng t\u1edbi nh\u1eefng m\u1ee5c ti\u00eau \u0111\u00f3. <\/p>\n\n

M\u1ed9t trong nh\u1eefng gi\u00e1 tr\u1ecb h\u00e0ng \u0111\u1ea7u li\u00ean quan \u0111\u1ebfn c\u00e1ch ti\u1ebfp c\u1eadn c\u00f4ng ngh\u1ec7 c\u1ee7a c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m l\u00e0 ki\u1ebfn th\u1ee9c k\u1ef9 thu\u1eadt s\u1ed1, nh\u1eb1m hi\u1ec3u r\u00f5 h\u01a1n v\u1ec1 kh\u00e1ch h\u00e0ng v\u00e0 k\u1ef3 v\u1ecdng c\u1ee7a h\u1ecd, John Rodgers, Rajeev Aggarwal v\u00e0 Brian Nordyke<\/a> c\u1ee7a SSA &;Company vi\u1ebft.\nC\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m t\u1eadp trung s\u1ef1 ch\u00fa \u00fd c\u1ee7a h\u1ecd v\u00e0o vi\u1ec7c x\u00e2y d\u1ef1ng kh\u1ea3 n\u0103ng c\u00f4ng ngh\u1ec7 n\u1ed9i b\u1ed9 v\u00e0 quan h\u1ec7 \u0111\u1ed1i t\u00e1c v\u1edbi c\u00e1c nh\u00e0 cung c\u1ea5p n\u1ec1n t\u1ea3ng v\u00e0 c\u00e1c b\u00ean th\u1ee9 ba c\u00f3 kinh nghi\u1ec7m kh\u00e1c s\u1ebd duy tr\u00ec l\u1ee3i th\u1ebf so v\u1edbi c\u00e1c t\u1ed5 ch\u1ee9c kh\u00f4ng th\u1ef1c hi\u1ec7n cam k\u1ebft t\u01b0\u01a1ng t\u1ef1 v\u1ec1 gi\u00e1o d\u1ee5c v\u00e0 th\u1ef1c hi\u1ec7n. <\/p>\n\n

M\u1ed9t c\u00e2n nh\u1eafc kh\u00e1c trong nhi\u1ec7m v\u1ee5 s\u1eafp x\u1ebfp c\u00e1c l\u1ef1a ch\u1ecdn c\u00f4ng ngh\u1ec7 v\u1edbi c\u00e1c gi\u00e1 tr\u1ecb c\u1ed1t l\u00f5i l\u00e0 t\u00ednh kh\u00f4ng th\u1ec3 \u0111o\u00e1n tr\u01b0\u1edbc.\nKh\u00e1ch h\u00e0ng kh\u00f4ng ph\u1ea3i l\u00e0 nh\u1eefng ng\u01b0\u1eddi duy nh\u1ea5t c\u1ea3m nh\u1eadn \u0111\u01b0\u1ee3c t\u00e1c \u0111\u1ed9ng c\u1ee7a m\u1ed9t th\u1ebf gi\u1edbi kh\u00f4ng ch\u1eafc ch\u1eafn; B\u1ea3o hi\u1ec3m c\u0169ng l\u00e0 m\u1ed9t ng\u00e0nh kinh doanh k\u00e9m \u1ed5n \u0111\u1ecbnh v\u00e0 d\u1ec5 d\u1ef1 \u0111o\u00e1n h\u01a1n so v\u1edbi tr\u01b0\u1edbc \u0111\u00e2y, nh\u01b0 Ellen Walsh<\/a> v\u00e0 c\u00e1c chuy\u00ean gia b\u1ea3o hi\u1ec3m \u0111\u1ed3ng nghi\u1ec7p t\u1ea1i PwC l\u01b0u \u00fd. <\/p>\n\n

R\u00f5 r\u00e0ng v\u1ec1 c\u00e1c gi\u00e1 tr\u1ecb c\u1ed1t l\u00f5i, t\u1eadp trung v\u00e0o vi\u1ec7c \u0111\u1ea1t \u0111\u01b0\u1ee3c ch\u00fang v\u00e0 k\u1ef7 lu\u1eadt trong vi\u1ec7c \u00e1p d\u1ee5ng c\u00f4ng ngh\u1ec7 cho c\u00e1c m\u1ee5c ti\u00eau n\u00e0y l\u00e0 \u0111i\u1ec1u b\u1eaft bu\u1ed9c.\n“C\u00e1c c\u00f4ng ty ti\u1ebfp t\u1ee5c l\u00e0m vi\u1ec7c theo m\u1ed1c th\u1eddi gian t\u1eeb ba \u0111\u1ebfn n\u0103m n\u0103m m\u01a1 h\u1ed3 v\u00e0 thi\u1ebfu t\u1eadp trung chi\u1ebfn l\u01b0\u1ee3c c\u00f3 kh\u1ea3 n\u0103ng m\u1ea5t th\u1ecb ph\u1ea7n v\u00e0 th\u1eadm ch\u00ed c\u00f3 th\u1ec3 tr\u1edf th\u00e0nh th\u01b0\u01a1ng v\u1ee5 mua l\u1ea1i c\u1ee7a ng\u01b0\u1eddi kh\u00e1c”, Walsh v\u00e0 nh\u00f3m PwC c\u1ea3nh b\u00e1o. <\/p>\n\n

\u0110i\u1ec3m kh\u1edfi \u0111\u1ea7u c\u1ee7a s\u1ef1 kh\u00f4ng ch\u1eafc ch\u1eafn \u0111\u01b0\u1ee3c chia s\u1ebb cung c\u1ea5p m\u1ed9t c\u01a1 h\u1ed9i kh\u00f3 x\u1ea3y ra.\nC\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m b\u01b0\u1edbc v\u00e0o v\u1ecb tr\u00ed c\u1ee7a kh\u00e1ch h\u00e0ng c\u00f3 th\u1ec3 d\u1ec5 d\u00e0ng ph\u00e1t hi\u1ec7n ra c\u00e1c c\u00e1ch \u0111\u1ec3 \u0111\u00e1p \u1ee9ng mong \u0111\u1ee3i c\u1ee7a kh\u00e1ch h\u00e0ng th\u00f4ng qua vi\u1ec7c \u00e1p d\u1ee5ng c\u00f4ng ngh\u1ec7 theo nh\u1eefng c\u00e1ch c\u0169ng c\u1ee7ng c\u1ed1 c\u00e1c gi\u00e1 tr\u1ecb c\u1ed1t l\u00f5i c\u1ee7a t\u1ed5 ch\u1ee9c. <\/p>\n\n

\"Người<\/figure>\n\n

C\u00f4ng ngh\u1ec7 b\u1ea3o hi\u1ec3m l\u1ea5y kh\u00e1ch h\u00e0ng l\u00e0m trung t\u00e2m tr\u00f4ng nh\u01b0 th\u1ebf n\u00e0o?<\/h2>\n\n

\u0110\u01b0\u1ee3c th\u00fac \u0111\u1ea9y b\u1edfi s\u1ef1 gi\u00e1n \u0111o\u1ea1n k\u1ef9 thu\u1eadt s\u1ed1 v\u00e0 c\u1ea1nh tranh t\u1eeb c\u00e1c c\u00f4ng ty kh\u1edfi nghi\u1ec7p insurtech, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u00e3 chuy\u1ec3n sang c\u00e1c ph\u01b0\u01a1ng ti\u1ec7n k\u1ef9 thu\u1eadt s\u1ed1 \u0111\u1ec3 th\u1ef1c hi\u1ec7n c\u00e1c m\u1ee5c ti\u00eau l\u00e2u d\u00e0i.\nKhi m\u1ecdi ng\u00e0nh c\u00f4ng nghi\u1ec7p k\u1ebft h\u1ee3p c\u00e1c h\u1ec7 th\u1ed1ng k\u1ef9 thu\u1eadt s\u1ed1, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u0169ng th\u1ea5y m\u00ecnh ph\u1ee5 thu\u1ed9c v\u00e0o c\u00e1c c\u00f4ng ngh\u1ec7 v\u00e0 ngu\u1ed3n d\u1eef li\u1ec7u m\u1edbi \u0111\u1ec3 th\u1ef1c hi\u1ec7n kinh doanh h\u00e0ng ng\u00e0y, \u0111\u00e1p \u1ee9ng c\u00e1c y\u00eau c\u1ea7u v\u1ec1 b\u1ea3o m\u1eadt v\u00e0 quy\u1ec1n ri\u00eang t\u01b0 v\u00e0 c\u1ea3i thi\u1ec7n kh\u1ea3 n\u0103ng c\u1ea1nh tranh trong m\u1ed9t th\u1ecb tr\u01b0\u1eddng thay \u0111\u1ed5i nhanh ch\u00f3ng, Gary Shaw<\/a> t\u1ea1i Deloitte vi\u1ebft. <\/p>\n\n

\u0110\u1ed1i v\u1edbi m\u1ed9t s\u1ed1 c\u00f4ng ty b\u1ea3o hi\u1ec3m, s\u1ef1 thay \u0111\u1ed5i c\u00f4ng ngh\u1ec7 d\u01b0\u1eddng nh\u01b0 c\u00f3 th\u1ec3 x\u1ea3y ra v\u1edbi t\u1ed1c \u0111\u1ed9 ch\u00f3ng m\u1eb7t.\nTuy nhi\u00ean, t\u1eeb quan \u0111i\u1ec3m c\u1ee7a kh\u00e1ch h\u00e0ng, c\u00e1c c\u00f4ng ngh\u1ec7 b\u1ea3o hi\u1ec3m d\u01b0\u1eddng nh\u01b0 \u0111\u00e3 b\u1ecb \u0111\u00ecnh tr\u1ec7. <\/p>\n\n

V\u00ed d\u1ee5: kh\u00e1ch h\u00e0ng b\u1ea3o hi\u1ec3m t\u1eeb l\u00e2u \u0111\u00e3 nh\u1eadn th\u1ee9c \u0111\u01b0\u1ee3c r\u1eb1ng h\u1ecd c\u00f3 th\u1ec3 t\u00ecm hi\u1ec3u v\u1ec1 c\u00e1c lo\u1ea1i b\u1ea3o hi\u1ec3m tr\u1ef1c tuy\u1ebfn kh\u00e1c nhau v\u00e0 nh\u1eadn b\u00e1o gi\u00e1 th\u00f4ng qua trang web ho\u1eb7c \u1ee9ng d\u1ee5ng di \u0111\u1ed9ng trong nhi\u1ec1u tr\u01b0\u1eddng h\u1ee3p.\nTuy nhi\u00ean, khi kh\u00e1ch h\u00e0ng c\u00f3 nhi\u1ec7m v\u1ee5 ho\u1eb7c c\u00e2u h\u1ecfi c\u1ee5 th\u1ec3 h\u01a1n, c\u00f4ng ngh\u1ec7 kh\u00f4ng ph\u1ea3i l\u00fac n\u00e0o c\u0169ng theo k\u1ecbp h\u1ecd, Susan J. Wells<\/a> vi\u1ebft t\u1ea1i Investopedia. <\/p>\n\n

“Ng\u00e0y nay, khi kh\u00e1ch h\u00e0ng mua c\u00e1c ch\u00ednh s\u00e1ch m\u1edbi ho\u1eb7c \u0111\u01b0a ra y\u00eau c\u1ea7u, h\u1ecd mong \u0111\u1ee3i th\u00f4ng tin li\u00ean l\u1ea1c r\u00f5 r\u00e0ng \u1edf m\u1ecdi giai \u0111o\u1ea1n c\u1ee7a h\u00e0nh tr\u00ecnh”, Ruth Fisk<\/a>, ph\u00f3 ch\u1ee7 t\u1ecbch ti\u1ebfp th\u1ecb ng\u00e0nh t\u1ea1i n\u1ec1n t\u1ea3ng qu\u1ea3n l\u00fd cu\u1ed9c tr\u00f2 chuy\u1ec7n v\u1edbi kh\u00e1ch h\u00e0ng Smart Communications vi\u1ebft.\nM\u1ed9t n\u1ec1n t\u1ea3ng l\u1ea5y kh\u00e1ch h\u00e0ng l\u00e0m trung t\u00e2m ph\u00f9 h\u1ee3p v\u1edbi c\u00e1c gi\u00e1 tr\u1ecb c\u1ed1t l\u00f5i c\u1ee7a ng\u00e0nh b\u1ea3o hi\u1ec3m th\u01b0\u1eddng \u0111\u01b0\u1ee3c t\u1ed5 ch\u1ee9c s\u1ebd cung c\u1ea5p c\u00e1c t\u00f9y ch\u1ecdn nh\u01b0: <\/p>\n\n