{"id":18784,"date":"2024-09-19T20:55:26","date_gmt":"2024-09-20T01:55:26","guid":{"rendered":"https:\/\/bolttech.io\/insight\/dinh-tam-lai-nguoi-dung-trong-chuyen-doi-so-bao-hiem\/"},"modified":"2024-09-19T20:55:27","modified_gmt":"2024-09-20T01:55:27","slug":"dinh-tam-lai-nguoi-dung-trong-chuyen-doi-so-bao-hiem","status":"publish","type":"insight","link":"https:\/\/bolttech.io\/vi\/insights\/dinh-tam-lai-nguoi-dung-trong-chuyen-doi-so-bao-hiem\/","title":{"rendered":"\u0110\u1ecbnh t\u00e2m l\u1ea1i ng\u01b0\u1eddi d\u00f9ng trong chuy\u1ec3n \u0111\u1ed5i s\u1ed1 b\u1ea3o hi\u1ec3m"},"content":{"rendered":"\n

S\u1ef1 gi\u00e1n \u0111o\u1ea1n k\u1ef9 thu\u1eadt s\u1ed1 \u0111\u00e3 gi\u1edbi thi\u1ec7u m\u1ed9t lo\u1ea1t c\u00e1c t\u00f9y ch\u1ecdn ch\u00f3ng m\u1eb7t cho c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m, \u0111\u1ea1i l\u00fd v\u00e0 kh\u00e1ch h\u00e0ng.\nTuy nhi\u00ean, nhi\u1ec1u c\u00f4ng ngh\u1ec7 kh\u00f4ng ph\u1ea3i l\u00fac n\u00e0o c\u0169ng l\u00e0 c\u00f4ng ngh\u1ec7 t\u1ed1t, \u0111\u1eb7c bi\u1ec7t l\u00e0 khi n\u00f3 g\u00e2y ra s\u1ef1 nh\u1ea7m l\u1eabn h\u01a1n l\u00e0 s\u1ef1 ti\u1ec7n l\u1ee3i. <\/p>\n\n

\u0110\u1ec3 gi\u00fap c\u00e1c h\u00e3ng v\u1eadn t\u1ea3i \u0111\u1ea1t \u0111\u01b0\u1ee3c m\u1ee5c ti\u00eau kinh doanh c\u1ee7a h\u1ecd, c\u00f4ng ngh\u1ec7 b\u1ea3o hi\u1ec3m ph\u1ea3i t\u1eadp trung v\u00e0o tr\u1ea3i nghi\u1ec7m ng\u01b0\u1eddi d\u00f9ng.\nCho d\u00f9 ng\u01b0\u1eddi d\u00f9ng l\u00e0 kh\u00e1ch h\u00e0ng, \u0111\u1ea1i l\u00fd hay nh\u00e2n vi\u00ean b\u1ea3o hi\u1ec3m, kh\u1ea3 n\u0103ng th\u00edch \u1ee9ng d\u1ec5 d\u00e0ng v\u1edbi c\u00e1c c\u00f4ng c\u1ee5 m\u1edbi v\u00e0 tri\u1ec3n khai ch\u00fang \u0111\u1ec3 \u0111\u00e1p \u1ee9ng c\u00e1c m\u1ee5c ti\u00eau ch\u00ednh l\u00e0 \u0111i\u1ec1u b\u1eaft bu\u1ed9c. <\/p>\n\n

Insurtech d\u00e0nh cho ai?<\/h2>\n\n

Nh\u1eefng ng\u00e0y \u0111\u1ea7u c\u1ee7a c\u01a1n s\u1ed1t c\u00f4ng ngh\u1ec7 th\u01b0\u1eddng t\u1eadp trung v\u00e0o c\u00f4ng ngh\u1ec7 v\u00ec l\u1ee3i \u00edch c\u1ee7a c\u00f4ng ngh\u1ec7.\nC\u00e1c c\u00f4ng c\u1ee5 k\u1ef9 thu\u1eadt s\u1ed1 \u0111\u01b0\u1ee3c qu\u1ea3ng c\u00e1o l\u00e0 c\u00e1ch \u0111\u1ec3 gi\u1ea3i quy\u1ebft c\u00e1c v\u1ea5n \u0111\u1ec1 kh\u00f4ng th\u1ec3 v\u01b0\u1ee3t qua tr\u01b0\u1edbc \u0111\u00e2y v\u00e0 m\u1edf ra m\u1ed9t th\u1ebf gi\u1edbi m\u1edbi v\u1ec1 n\u0103ng su\u1ea5t v\u00e0 s\u1ef1 l\u1ea1c quan. <\/p>\n\n

Khi c\u00e1c c\u00f4ng c\u1ee5 k\u1ef9 thu\u1eadt s\u1ed1 tr\u1edf n\u00ean ph\u1ed5 bi\u1ebfn, th\u00f3i quen s\u1eed d\u1ee5ng ch\u00fang c\u1ee7a ch\u00fang ta c\u0169ng v\u1eady.\nV\u00ed d\u1ee5, cu\u1ed9c kh\u1ea3o s\u00e1t H\u1ed7 tr\u1ee3 v\u00e0 D\u1ecbch v\u1ee5 Kh\u00e1ch h\u00e0ng c\u1ee7a Gartner n\u0103m 2021 cho th\u1ea5y c\u00e1c th\u1ebf h\u1ec7 t\u1eeb Boomers \u0111\u1ebfn Gen Z \u0111\u1ec1u c\u00f3 xu h\u01b0\u1edbng b\u1eaft \u0111\u1ea7u h\u00e0nh tr\u00ecnh mua b\u1ea3o hi\u1ec3m c\u1ee7a h\u1ecd b\u1eb1ng k\u1ef9 thu\u1eadt s\u1ed1, ngay c\u1ea3 khi h\u1ecd th\u00edch c\u00e1c \u0111i\u1ec3m ti\u1ebfp x\u00fac ban \u0111\u1ea7u kh\u00e1c nhau, Deb Alvord<\/a>, ph\u00f3 ch\u1ee7 t\u1ecbch v\u00e0 nh\u00e0 ph\u00e2n t\u00edch trong th\u1ef1c ti\u1ec5n h\u1ed7 tr\u1ee3 v\u00e0 d\u1ecbch v\u1ee5 kh\u00e1ch h\u00e0ng c\u1ee7a Gartner vi\u1ebft. <\/p>\n\n

Tuy nhi\u00ean, ni\u1ec1m tin v\u00e0o c\u00f4ng ngh\u1ec7 l\u00e0 ngu\u1ed3n g\u1ed1c c\u1ee7a h\u00e0ng h\u00f3a v\u00e0 vi\u1ec7c \u00e1p d\u1ee5ng n\u00f3 v\u00e0o cu\u1ed9c s\u1ed1ng h\u00e0ng ng\u00e0y kh\u00f4ng ph\u1ea3i l\u00fac n\u00e0o c\u0169ng di\u1ec5n ra su\u00f4n s\u1ebb.\nC\u00e1c trang web, \u1ee9ng d\u1ee5ng di \u0111\u1ed9ng v\u00e0 n\u1ec1n t\u1ea3ng kh\u00f4ng \u0111\u00e1p \u1ee9ng nhu c\u1ea7u th\u1ef1c t\u1ebf c\u1ee7a kh\u00e1ch h\u00e0ng c\u00f3 xu h\u01b0\u1edbng kh\u00f4 h\u00e9o khi kh\u00e1ch h\u00e0ng chuy\u1ec3n sang c\u00e1c c\u00f4ng c\u1ee5 \u0111\u01a1n gi\u1ea3n v\u00e0 tr\u1ef1c quan \u0111\u1ec3 s\u1eed d\u1ee5ng.\nT\u01b0\u01a1ng t\u1ef1 nh\u01b0 v\u1eady, m\u1ed9t c\u00f4ng ty \u0111\u1ea7u t\u01b0 v\u00e0o m\u1ed9t n\u1ec1n t\u1ea3ng t\u1eadp trung y\u1ebfu v\u00e0o giao di\u1ec7n ng\u01b0\u1eddi d\u00f9ng v\u00e0 tr\u1ea3i nghi\u1ec7m ng\u01b0\u1eddi d\u00f9ng c\u00f3 th\u1ec3 th\u1ea5y ti\u1ec1n \u0111\u1ea7u t\u01b0 c\u1ee7a m\u00ecnh b\u1ecb l\u00e3ng ph\u00ed, v\u00ec nh\u00e2n vi\u00ean c\u1ee7a h\u1ecd ti\u1ebfp t\u1ee5c g\u1eafn b\u00f3 v\u1edbi c\u00e1c c\u00e1ch l\u00e0m vi\u1ec7c quen thu\u1ed9c thay v\u00ec v\u1eadt l\u1ed9n v\u1edbi ph\u1ea7n m\u1ec1m khi\u1ebfn c\u00f4ng vi\u1ec7c c\u1ee7a h\u1ecd tr\u1edf n\u00ean kh\u00f3 kh\u0103n h\u01a1n. <\/p>\n\n

“M\u1ed9t chi\u1ebfn l\u01b0\u1ee3c k\u1ef9 thu\u1eadt s\u1ed1 kh\u00f4ng ph\u1ea3i l\u00e0 ph\u00e1t tri\u1ec3n m\u1ed9t trang web m\u1edbi, ‘s\u00e0nh \u0111i\u1ec7u’ ho\u1eb7c tung ra m\u1ed9t \u1ee9ng d\u1ee5ng \u0111i\u1ec7n tho\u1ea1i th\u00f4ng minh”, Brian Kelley<\/a>, gi\u00e1m \u0111\u1ed1c \u0111i\u1ec1u h\u00e0nh t\u1ea1i c\u00f4ng ty t\u01b0 v\u1ea5n qu\u1ea3n l\u00fd Quincy Analytics vi\u1ebft.\nThay v\u00e0o \u0111\u00f3, c\u00e1c l\u1ef1a ch\u1ecdn c\u00f4ng ngh\u1ec7 ph\u1ea3i \u0111\u01b0\u1ee3c x\u00e2y d\u1ef1ng d\u1ef1a tr\u00ean s\u1ef1 hi\u1ec3u bi\u1ebft s\u00e2u s\u1eafc v\u1ec1 c\u1ea3 nhu c\u1ea7u kinh doanh c\u1ea7n \u0111\u01b0\u1ee3c \u0111\u00e1p \u1ee9ng v\u00e0 h\u00e0nh vi c\u1ee7a con ng\u01b0\u1eddi d\u1eabn m\u1ecdi ng\u01b0\u1eddi – kh\u00e1ch h\u00e0ng, \u0111\u1ea1i l\u00fd v\u00e0 nh\u00e2n vi\u00ean – \u0111\u1ebfn v\u1edbi c\u00f4ng c\u1ee5 ngay t\u1eeb \u0111\u1ea7u. <\/p>\n\n

\u0110\u1ec3 \u0111i\u1ec1u ch\u1ec9nh c\u00f4ng ngh\u1ec7 ph\u00f9 h\u1ee3p v\u1edbi nhu c\u1ea7u c\u1ee7a con ng\u01b0\u1eddi, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m ph\u1ea3i r\u1eddi kh\u1ecfi l\u0129nh v\u1ef1c k\u1ef9 thu\u1eadt s\u1ed1 v\u00e0 t\u1ea1m th\u1eddi tr\u1ea3 l\u1ea1i cho con ng\u01b0\u1eddi.\nT\u1eadp trung v\u00e0o tr\u1ea3i nghi\u1ec7m ng\u01b0\u1eddi d\u00f9ng c\u00f3 ngh\u0129a l\u00e0 t\u1eadp trung v\u00e0o c\u00e1ch m\u1ecdi ng\u01b0\u1eddi di chuy\u1ec3n v\u00e0 hi\u1ec3u th\u1ebf gi\u1edbi. <\/p>\n\n

“UX v\u01b0\u1ee3t ra ngo\u00e0i giao di\u1ec7n ng\u01b0\u1eddi d\u00f9ng k\u1ef9 thu\u1eadt s\u1ed1 \u0111\u1ec3 ki\u1ec3m tra c\u00e1c h\u00e0nh tr\u00ecnh to\u00e0n di\u1ec7n m\u00e0 kh\u00e1ch h\u00e0ng tr\u1ea3i qua \u0111\u1ec3 \u0111\u1ea1t \u0111\u01b0\u1ee3c nhi\u1ec7m v\u1ee5 v\u00e0 s\u1eed d\u1ee5ng c\u00e1c s\u1ea3n ph\u1ea9m v\u00e0 d\u1ecbch v\u1ee5. S\u1ef1 hi\u1ec3u bi\u1ebft v\u1ec1 nh\u1eefng h\u00e0nh tr\u00ecnh \u0111\u00f3 l\u00e0 \u0111i\u1ec1u c\u1ea7n thi\u1ebft trong vi\u1ec7c t\u1ea1o ra s\u1ef1 tin t\u01b0\u1edfng v\u00e0 minh b\u1ea1ch \u0111\u1ec3 gi\u00fap kh\u00e1ch h\u00e0ng \u0111\u00e1p \u1ee9ng nhu c\u1ea7u b\u1ea3o hi\u1ec3m c\u1ee7a h\u1ecd”, Jon Fukuda<\/a>, \u0111\u1ed3ng s\u00e1ng l\u1eadp v\u00e0 hi\u1ec7u tr\u01b0\u1edfng t\u1ea1i c\u00f4ng ty t\u01b0 v\u1ea5n d\u1ecbch v\u1ee5 chuy\u00ean nghi\u1ec7p Limina vi\u1ebft.<\/p>\n\n

\"Cặp<\/figure>\n\n

C\u00e1ch \u0111\u1eb7t ng\u01b0\u1eddi d\u00f9ng l\u00ean h\u00e0ng \u0111\u1ea7u khi ch\u1ecdn c\u00f4ng ngh\u1ec7<\/h2>\n\n

L\u1ea5y quan \u0111i\u1ec3m c\u1ee7a kh\u00e1ch h\u00e0ng l\u00e0 \u0111i\u1ec1u c\u1ea7n thi\u1ebft \u0111\u1ec3 ch\u1ecdn m\u1ed9t n\u1ec1n t\u1ea3ng c\u00f3 \u00fd ngh\u0129a v\u1edbi ng\u01b0\u1eddi d\u00f9ng.\nTuy nhi\u00ean, v\u1edbi k\u1ef3 v\u1ecdng v\u00e0 tri\u1ec3n v\u1ecdng c\u1ee7a kh\u00e1ch h\u00e0ng thay \u0111\u1ed5i nhanh ch\u00f3ng, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u1ea7n hi\u1ec3u kh\u00e1ch h\u00e0ng \u0111ang \u0111\u1ee9ng \u1edf \u0111\u00e2u ng\u00e0y h\u00f4m nay \u0111\u1ec3 cung c\u1ea5p tr\u1ea3i nghi\u1ec7m m\u00e0 h\u1ecd t\u00ecm ki\u1ebfm. <\/p>\n\n

V\u00ed d\u1ee5, kh\u00e1ch h\u00e0ng b\u1ea3o hi\u1ec3m hi\u1ec7n c\u00f3 nhi\u1ec1u kh\u1ea3 n\u0103ng t\u00ecm ki\u1ebfm b\u1ea3o hi\u1ec3m gi\u1ea3i quy\u1ebft c\u1ea3 ph\u01a1i nhi\u1ec5m c\u00e1 nh\u00e2n v\u00e0 th\u01b0\u01a1ng m\u1ea1i, Charlie Mihaliak v\u00e0 Chris Raimondo<\/a> c\u1ee7a EY vi\u1ebft.\nKhi nhi\u1ec1u ng\u01b0\u1eddi tham gia c\u00e1c h\u1ee3p \u0111\u1ed3ng bi\u1ec3u di\u1ec5n ph\u1ee5 ho\u1eb7c l\u00e0m vi\u1ec7c t\u1eeb xa, h\u1ecd th\u1ea5y cu\u1ed9c s\u1ed1ng c\u00e1 nh\u00e2n v\u00e0 th\u01b0\u01a1ng m\u1ea1i c\u1ee7a ch\u00ednh h\u1ecd h\u1ed9i t\u1ee5 v\u00e0 h\u1ecd mong \u0111\u1ee3i b\u1ea3o hi\u1ec3m ph\u1ea3n \u00e1nh th\u1ef1c t\u1ebf \u0111\u00f3. <\/p>\n\n

Ngo\u00e0i ra, kh\u00e1ch h\u00e0ng \u0111\u00e3 b\u1eaft \u0111\u1ea7u nh\u00ecn xa h\u01a1n nhu c\u1ea7u v\u00e0 l\u1ee3i \u00edch tr\u01b0\u1edbc m\u1eaft c\u1ee7a h\u1ecd khi mua b\u1ea3o hi\u1ec3m, Mihaliak v\u00e0 Raimondo n\u00f3i.\n\u0110\u1ed1i m\u1eb7t v\u1edbi m\u1ed9t lo\u1ea1t c\u00e1c r\u1ee7i ro t\u1ef1 nhi\u00ean nh\u01b0 bi\u1ebfn \u0111\u1ed5i kh\u00ed h\u1eadu, ch\u00e1y r\u1eebng, b\u00e3o v\u00e0 \u0111\u1ea1i d\u1ecbch, kh\u00e1ch h\u00e0ng gi\u1edd \u0111\u00e2y quan t\u00e2m nhi\u1ec1u h\u01a1n \u0111\u1ebfn vi\u1ec7c li\u1ec7u c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 h\u00e0nh x\u1eed nh\u01b0 nh\u1eefng c\u00f4ng d\u00e2n x\u00e3 h\u1ed9i v\u00e0 m\u00f4i tr\u01b0\u1eddng c\u00f3 tr\u00e1ch nhi\u1ec7m hay kh\u00f4ng. <\/p>\n\n

C\u00f3 m\u1ed9t s\u1ef1 \u0111\u1ed3ng thu\u1eadn r\u1ed9ng r\u00e3i gi\u1eefa c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m r\u1eb1ng vi\u1ec7c n\u1eafm b\u1eaft c\u00e1c c\u00f4ng c\u1ee5 k\u1ef9 thu\u1eadt s\u1ed1 s\u1ebd th\u00fac \u0111\u1ea9y c\u00e1c nh\u00e0 cung c\u1ea5p d\u1ecbch v\u1ee5 c\u00e1 nh\u00e2n v\u00e0 ng\u00e0nh c\u00f4ng nghi\u1ec7p ti\u1ebfn l\u00ean.\nTuy nhi\u00ean, nh\u1eefng c\u00f4ng c\u1ee5 n\u00e0o \u0111\u01b0\u1ee3c ch\u1ecdn s\u1ebd quan tr\u1ecdng.\nC\u00e1c n\u1ec1n t\u1ea3ng t\u1eadp trung v\u00e0o ng\u01b0\u1eddi d\u00f9ng s\u1ebd bao g\u1ed3m c\u00e1c t\u00ednh n\u0103ng nh\u01b0: <\/p>\n\n