{"id":18964,"date":"2024-09-19T23:21:45","date_gmt":"2024-09-20T04:21:45","guid":{"rendered":"https:\/\/bolttech.io\/insight\/chung-ta-dang-o-dau-bao-hiem-trong-mot-the-gioi-hau-gian-doan\/"},"modified":"2024-09-19T23:21:46","modified_gmt":"2024-09-20T04:21:46","slug":"chung-ta-dang-o-dau-bao-hiem-trong-mot-the-gioi-hau-gian-doan","status":"publish","type":"insight","link":"https:\/\/bolttech.io\/vi\/insights\/chung-ta-dang-o-dau-bao-hiem-trong-mot-the-gioi-hau-gian-doan\/","title":{"rendered":"Ch\u00fang ta \u0111ang \u1edf \u0111\u00e2u: B\u1ea3o hi\u1ec3m trong m\u1ed9t th\u1ebf gi\u1edbi h\u1eadu gi\u00e1n \u0111o\u1ea1n"},"content":{"rendered":"\n<p>V\u00e0i n\u0103m qua \u0111\u00e3 bi\u1ebfn s\u1ef1 gi\u00e1n \u0111o\u1ea1n k\u1ef9 thu\u1eadt s\u1ed1 th\u00e0nh m\u1ed9t ch\u1ee7 \u0111\u1ec1 n\u00f3ng \u0111\u1ed1i v\u1edbi b\u1ea3o hi\u1ec3m.\nC\u00e1c h\u00e3ng v\u1eadn t\u1ea3i th\u1ea5y m\u00ecnh b\u1ecb t\u1ea5n c\u00f4ng d\u1ed3n d\u1eadp v\u1edbi th\u00f4ng tin v\u1ec1 m\u1ed9t cu\u1ed9c c\u00e1ch m\u1ea1ng s\u1eafp x\u1ea3y ra \u0111\u1ed1i v\u1edbi b\u1ea3o hi\u1ec3m, trong \u0111\u00f3 c\u00f4ng ngh\u1ec7 t\u00e1i t\u1ea1o ph\u00e2n ph\u1ed1i &#8211; v\u00e0 k\u1ebft qu\u1ea3 l\u00e0 l\u00e0m \u0111\u1ea3o l\u1ed9n c\u00e1c ho\u1ea1t \u0111\u1ed9ng kinh doanh truy\u1ec1n th\u1ed1ng v\u00e0 m\u1ed1i quan h\u1ec7 kh\u00e1ch h\u00e0ng. <\/p>\n\n<p>Trong khi nhi\u1ec1u nh\u00e0 m\u1ea1ng ngh\u0129 r\u1eb1ng h\u1ecd \u0111ang chu\u1ea9n b\u1ecb cho chuy\u1ec3n \u0111\u1ed5i k\u1ef9 thu\u1eadt s\u1ed1, tr\u00ean th\u1ef1c t\u1ebf, h\u1ecd \u0111\u00e3 \u1edf trong \u0111\u00f3.\nV\u00e0 sau \u0111\u00f3, \u0111\u1ea1i d\u1ecbch \u0111\u1ea9y nhanh s\u1ef1 thay \u0111\u1ed5i c\u00f4ng ngh\u1ec7 th\u1eadm ch\u00ed c\u00f2n nhanh h\u01a1n. <\/p>\n\n<p>C\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m, \u0111\u1ea1i l\u00fd v\u00e0 kh\u00e1ch h\u00e0ng hi\u1ec7n \u0111ang chi\u1ebfm l\u0129nh m\u1ed9t th\u1ebf gi\u1edbi n\u01a1i s\u1ef1 gi\u00e1n \u0111o\u1ea1n k\u1ef9 thu\u1eadt s\u1ed1 \u0111\u00e3 \u0111\u1ebfn v\u1edbi b\u1ea3o hi\u1ec3m.\nL\u00e0n s\u00f3ng \u0111\u00e3 qua.\nB\u00e2y gi\u1edd, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m hi\u1ec3u bi\u1ebft c\u1ea7n \u0111\u1eb7t c\u00e2u h\u1ecfi li\u1ec7u c\u00f4ng ngh\u1ec7 m\u1edbi c\u00f3 h\u1ed7 tr\u1ee3 c\u00e1c m\u1ee5c ti\u00eau c\u1ed1t l\u00f5i hay kh\u00f4ng v\u00e0 l\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 ph\u00e2n ph\u1ed1i b\u1ea3o hi\u1ec3m d\u1ec5 d\u00e0ng h\u01a1n cho m\u1ecdi ng\u01b0\u1eddi.  <\/p>\n\n<h2 class=\"wp-block-heading\">Khi s\u1ef1 gi\u00e1n \u0111o\u1ea1n x\u00e2m nh\u1eadp v\u00e0o t\u1ea7m nh\u00ecn ph\u00eda sau<\/h2>\n\n<p>Ng\u00e0nh b\u1ea3o hi\u1ec3m \u0111\u00e3 d\u00e0nh r\u1ea5t nhi\u1ec1u n\u0103m \u0111\u1ec3 chu\u1ea9n b\u1ecb cho s\u1ef1 gi\u00e1n \u0111o\u1ea1n k\u1ef9 thu\u1eadt s\u1ed1 \u0111\u1ebfn n\u1ed7i qu\u00e1 tr\u00ecnh chuy\u1ec3n \u0111\u1ed5i t\u1eeb chu\u1ea9n b\u1ecb sang k\u1ebft lu\u1eadn c\u00f3 th\u1ec3 kh\u00f3 x\u00e1c \u0111\u1ecbnh.\nS\u1ed1ng trong m\u1ed9t th\u1ebf gi\u1edbi b\u1ea3o hi\u1ec3m sau gi\u00e1n \u0111o\u1ea1n c\u00f3 ngh\u0129a l\u00e0 g\u00ec? <\/p>\n\n<p>B\u00e2y gi\u1edd s\u1ef1 gi\u00e1n \u0111o\u1ea1n k\u1ef9 thu\u1eadt s\u1ed1 l\u00e0 m\u1ed9t th\u1ef1c t\u1ebf h\u00e0ng ng\u00e0y, &#8220;t\u1ea5t c\u1ea3 c\u00e1c gi\u00e1m \u0111\u1ed1c \u0111i\u1ec1u h\u00e0nh ph\u1ea3i hi\u1ec3u t\u00e1c \u0111\u1ed9ng c\u1ee7a c\u00e1c c\u00f4ng ngh\u1ec7 n\u00e0y v\u00e0 \u0111\u1ea3m b\u1ea3o c\u00e1c t\u1ed5 ch\u1ee9c c\u1ee7a h\u1ecd \u0111\u01b0\u1ee3c \u0111\u1ecbnh v\u1ecb \u0111\u1ec3 m\u1edf kh\u00f3a ti\u1ec1m n\u0103ng c\u1ee7a h\u1ecd&#8221;, <a href=\"https:\/\/www.mckinsey.com\/industries\/financial-services\/our-insights\/how-top-tech-trends-will-transform-insurance\" target=\"_blank\" rel=\"noreferrer noopener\">Krish Krishnakanthan<\/a> v\u00e0 c\u00e1c nh\u00e0 nghi\u00ean c\u1ee9u McKinsey vi\u1ebft.\nChu\u1ea9n b\u1ecb cho s\u1ef1 gi\u00e1n \u0111o\u1ea1n trong t\u01b0\u01a1ng lai cho ph\u00e9p c\u00e1c nh\u00e0 l\u00e3nh \u0111\u1ea1o b\u1ea3o hi\u1ec3m b\u00e1m r\u1ec5 v\u00e0o c\u00e1c ph\u01b0\u01a1ng th\u1ee9c kinh doanh truy\u1ec1n th\u1ed1ng; Ng\u01b0\u1ee3c l\u1ea1i, h\u1ed9i nh\u1eadp v\u00e0o s\u1ef1 gi\u00e1n \u0111o\u1ea1n hi\u1ec7n t\u1ea1i \u0111\u00f2i h\u1ecfi c\u00e1c nh\u00e0 l\u00e3nh \u0111\u1ea1o ph\u1ea3i t\u1eeb b\u1ecf c\u00e1c ph\u01b0\u01a1ng ph\u00e1p truy\u1ec1n th\u1ed1ng \u0111\u1ec3 n\u1eafm l\u1ea5y c\u00e1c c\u00f4ng c\u1ee5 m\u1edbi \u0111\u1ec3 \u0111\u1ea1t \u0111\u01b0\u1ee3c c\u00e1c m\u1ee5c ti\u00eau \u0111\u00e3 thi\u1ebft l\u1eadp. <\/p>\n\n<p>Th\u1eeba nh\u1eadn r\u1eb1ng s\u1ef1 thay \u0111\u1ed5i \u0111\u00e3 \u1edf \u0111\u00e2y c\u00f3 th\u1ec3 kh\u00f3 kh\u0103n.\nQu\u1ea3n l\u00fd chuy\u1ec3n \u0111\u1ed5i k\u1ef9 thu\u1eadt s\u1ed1 c\u00f3 th\u1ec3 c\u00f2n kh\u00f3 kh\u0103n h\u01a1n.\n&#8220;Kh\u00f4ng c\u00f3 cu\u1ed1n s\u00e1ch quy t\u1eafc n\u00e0o \u0111\u1ea3m b\u1ea3o m\u1ed9t chuy\u1ebfn \u0111i d\u1ec5 d\u00e0ng&#8221;, c\u00e1c \u0111\u1ed1i t\u00e1c c\u1ea5p cao c\u1ee7a McKinsey <a href=\"https:\/\/www.mckinsey.com\/~\/media\/mckinsey\/industries\/financial%20services\/our%20insights\/time%20for%20insurance%20companies%20to%20face%20digital%20reality\/digital-disruption-in-insurance.ashx\" target=\"_blank\" rel=\"noreferrer noopener\">l\u00e0 Tanguy Catlin v\u00e0 Johannes-Tobias Lorenz<\/a> l\u01b0u \u00fd.\nS\u1ef1 \u0111\u1ed9t ph\u00e1 k\u1ef9 thu\u1eadt s\u1ed1 \u0111i v\u00e0o c\u1ed1t l\u00f5i c\u1ee7a c\u00e1ch c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m kinh doanh, \u0111\u1eb7t ra c\u00e2u h\u1ecfi v\u1ec1 gi\u00e1 tr\u1ecb c\u1ed1t l\u00f5i c\u1ee7a nh\u00e0 m\u1ea1ng, vai tr\u00f2 v\u00e0 \u0111\u00f3ng g\u00f3p c\u1ee7a \u0111\u1ea1i l\u00fd, c\u0169ng nh\u01b0 k\u1ef3 v\u1ecdng v\u00e0 nhu c\u1ea7u c\u1ee7a kh\u00e1ch h\u00e0ng.   <\/p>\n\n<p>M\u1ed9t s\u1ed1 c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u00e3 lao \u0111\u1ea7u v\u00e0o th\u1ebf gi\u1edbi k\u1ef9 thu\u1eadt s\u1ed1 m\u1edbi.\nT\u00e0i tr\u1ee3 cho Insurtech \u0111\u1ea1t m\u1ee9c cao k\u1ef7 l\u1ee5c m\u1edbi v\u00e0o n\u0103m 2021, theo nh\u00e0 ph\u00e2n t\u00edch c\u1ea5p cao <a href=\"https:\/\/www.forrester.com\/report\/forrester-infographic-insurtech-funding-roundup-q3-2021\/RES176537\" target=\"_blank\" rel=\"noreferrer noopener\">Jeffery Williams c\u1ee7a<\/a> Forrester.\nH\u1ea7u h\u1ebft c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m kh\u00f4ng c\u00f2n gi\u1ea3 v\u1edd r\u1eb1ng s\u1ef1 gi\u00e1n \u0111o\u1ea1n k\u1ef9 thu\u1eadt s\u1ed1 s\u1ebd kh\u00f4ng \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn h\u1ecd; Thay v\u00e0o \u0111\u00f3, h\u1ecd \u0111ang xem x\u00e9t c\u00e1c c\u00f4ng c\u1ee5 h\u1ecd \u0111\u00e3 c\u00f3 v\u00e0 kh\u00e1m ph\u00e1 c\u00e1c c\u00e1ch \u0111\u1ec3 c\u1ea3i thi\u1ec7n kh\u1ea3 n\u0103ng ti\u1ebfp c\u1eadn c\u00f4ng ngh\u1ec7 v\u00e0 kh\u1ea3 n\u0103ng h\u1ed7 tr\u1ee3 c\u00f4ng vi\u1ec7c gia t\u0103ng gi\u00e1 tr\u1ecb c\u1ee7a c\u00e1c \u0111\u1ea1i l\u00fd v\u00e0 nhu c\u1ea7u x\u00e2y d\u1ef1ng m\u1ed1i quan h\u1ec7 c\u1ee7a kh\u00e1ch h\u00e0ng.  <\/p>\n\n<p>Kh\u00f4ng c\u00f3 ph\u1ea7n n\u00e0o c\u1ee7a ho\u1ea1t \u0111\u1ed9ng kinh doanh b\u1ea3o hi\u1ec3m m\u00e0 s\u1ef1 gi\u00e1n \u0111o\u1ea1n n\u00e0y kh\u00f4ng \u1ea3nh h\u01b0\u1edfng.\nDo \u0111\u00f3, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m s\u1ebd c\u1ea7n ph\u1ea3i suy ngh\u0129 l\u1ea1i v\u1ec1 c\u00e1ch ti\u1ebfp c\u1eadn c\u1ee7a h\u1ecd \u1edf m\u1ecdi c\u1ea5p \u0111\u1ed9 kinh doanh \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o r\u1eb1ng c\u00f4ng ngh\u1ec7 gi\u00fap \u0111\u00e1p \u1ee9ng c\u00e1c m\u1ee5c ti\u00eau v\u00e0 th\u1ef1c hi\u1ec7n c\u00e1c gi\u00e1 tr\u1ecb ch\u00ednh d\u1ec5 d\u00e0ng h\u01a1n. <\/p>\n\n<figure class=\"wp-block-image aligncenter size-large\"><img decoding=\"async\" src=\"https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/compass-map-navigation-1024x724.jpg\" alt=\"&#x110;&#x1ECB;nh tuy&#x1EBF;n tr&#xEA;n b&#x1EA3;n &#x111;&#x1ED3; v&#x1EDB;i s&#x1EF1; tr&#x1EE3; gi&#xFA;p c&#x1EE7;a la b&#xE0;n, du l&#x1ECB;ch\" class=\"wp-image-11090\"\/><\/figure>\n\n<h2 class=\"wp-block-heading\">Tinh ch\u1ec9nh v\u00e0 s\u1eafp x\u1ebfp l\u1ea1i trong m\u00f4i tr\u01b0\u1eddng h\u1eadu gi\u00e1n \u0111o\u1ea1n<\/h2>\n\n<p>C\u00e2u h\u1ecfi ch\u00ednh trong m\u1ed9t th\u1ebf gi\u1edbi tr\u01b0\u1edbc s\u1ef1 gi\u00e1n \u0111o\u1ea1n l\u00e0: &#8220;\u0110i\u1ec1u g\u00ec \u0111ang \u0111\u1ebfn v\u00e0 n\u00f3 tr\u00f4ng nh\u01b0 th\u1ebf n\u00e0o?&#8221;\nTrong m\u1ed9t th\u1ebf gi\u1edbi h\u1eadu gi\u00e1n \u0111o\u1ea1n, s\u1ef1 ch\u00fa \u00fd chuy\u1ec3n sang m\u1ed9t c\u00e2u h\u1ecfi m\u1edbi: &#8220;L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 c\u00f4ng ngh\u1ec7 hi\u1ec7n t\u1ea1i ph\u00f9 h\u1ee3p v\u00e0 gi\u00fap th\u00fac \u0111\u1ea9y c\u00e1c gi\u00e1 tr\u1ecb v\u00e0 m\u1ee5c ti\u00eau c\u1ed1t l\u00f5i c\u1ee7a ch\u00fang t\u00f4i?&#8221; <\/p>\n\n<p>V\u00ed d\u1ee5, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m t\u00ecm c\u00e1ch x\u00e2y d\u1ef1ng c\u00e1c t\u1ed5 ch\u1ee9c l\u00e0nh m\u1ea1nh theo th\u1eddi gian.\nH\u1ecd c\u0169ng t\u00ecm c\u00e1ch ph\u1ee5c v\u1ee5 kh\u00e1ch h\u00e0ng theo nh\u1eefng c\u00e1ch x\u00e2y d\u1ef1ng l\u00f2ng trung th\u00e0nh c\u1ee7a kh\u00e1ch h\u00e0ng.\nC\u00e1ch th\u1ee9c m\u00e0 m\u1ed9t t\u1ed5 ch\u1ee9c s\u1eed d\u1ee5ng c\u00f4ng ngh\u1ec7 c\u1ee7a m\u00ecnh s\u1ebd t\u0103ng c\u01b0\u1eddng c\u1ea3 hai m\u1ee5c ti\u00eau n\u00e0y c\u00f9ng m\u1ed9t l\u00fac, thay v\u00ec l\u00e0m suy y\u1ebfu m\u1ed9t trong hai m\u1ee5c ti\u00eau ho\u1eb7c kh\u00f4ng \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn ch\u00fang, <a href=\"https:\/\/www2.deloitte.com\/content\/dam\/insights\/articles\/US164650_CFS-Insurance-industry-outlook\/DI_Insurance-industry-outlook.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Gary Shaw<\/a>, l\u00e3nh \u0111\u1ea1o th\u1ef1c h\u00e0nh b\u1ea3o hi\u1ec3m Hoa K\u1ef3 t\u1ea1i Deloitte vi\u1ebft.  <\/p>\n\n<p>\u0110i\u1ec1u quan tr\u1ecdng l\u00e0 b\u1eaft \u0111\u1ea7u v\u1edbi m\u1ed9t c\u00e1i nh\u00ecn v\u1ec1 c\u00e1c m\u1ee5c ti\u00eau v\u00e0 gi\u00e1 tr\u1ecb \u0111\u01b0\u1ee3c h\u1ed7 tr\u1ee3.\nM\u1ed9t khi t\u1ea7m nh\u00ecn r\u00f5 r\u00e0ng, r\u1ea5t nhi\u1ec1u c\u00f4ng ngh\u1ec7 m\u1edbi c\u00f3 s\u1eb5n \u0111\u1ec3 gi\u00fap c\u00e1c h\u00e3ng v\u1eadn t\u1ea3i, \u0111\u1ea1i l\u00fd v\u00e0 kh\u00e1ch h\u00e0ng t\u00ecm th\u1ea5y \u0111i\u1ec3m chung v\u00e0 x\u00e2y d\u1ef1ng m\u1ed1i quan h\u1ec7 b\u1ea3o hi\u1ec3m c\u00f9ng c\u00f3 l\u1ee3i v\u00e0 th\u1ecfa m\u00e3n. <\/p>\n\n<p>Trong b\u00e0i vi\u1ebft c\u1ee7a m\u00ecnh t\u1ea1i Insurance Thought Leadership, Ph\u00f3 Ch\u1ee7 t\u1ecbch Th\u1ef1c h\u00e0nh B\u1ea3o hi\u1ec3m c\u1ee7a Damco Solutions <a href=\"https:\/\/www.insurancethoughtleadership.com\/emerging-technologies\/insurance-technology-trends-2022\" target=\"_blank\" rel=\"noreferrer noopener\">Faheem Shakeel<\/a> li\u1ec7t k\u00ea m\u1ed9t s\u1ed1 c\u00f4ng c\u1ee5 c\u00f3 s\u1eb5n \u0111\u1ec3 gi\u00fap c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u1ea1t \u0111\u01b0\u1ee3c m\u1ee5c ti\u00eau c\u1ee7a h\u1ecd, bao g\u1ed3m:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>\u1ee8ng d\u1ee5ng tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o.<\/li>\n\n\n\n<li>T\u1ef1 \u0111\u1ed9ng h\u00f3a quy tr\u00ecnh v\u00e0 \u1ea3o h\u00f3a.<\/li>\n\n\n\n<li>Blockchain v\u00e0 c\u00f4ng ngh\u1ec7 s\u1ed5 c\u00e1i ph\u00e2n t\u00e1n.<\/li>\n\n\n\n<li>Gi\u1ea3i ph\u00e1p di chuy\u1ec3n.<\/li>\n\n\n\n<li>M\u1ea1ng \u0111\u01b0\u1ee3c k\u1ebft n\u1ed1i v\u00e0 Internet of Things.<\/li>\n<\/ul>\n\n<p>Tuy nhi\u00ean, nh\u01b0 v\u1edbi b\u1ea5t k\u1ef3 c\u00f4ng c\u1ee5 n\u00e0o, nh\u1eefng th\u1ef1c t\u1ebf k\u1ef9 thu\u1eadt s\u1ed1 m\u1edbi n\u00e0y l\u00e0 trung l\u1eadp \u0111\u1ed1i v\u1edbi c\u00e1c gi\u00e1 tr\u1ecb ho\u1eb7c m\u1ee5c ti\u00eau c\u1ee7a b\u1ea5t k\u1ef3 h\u00e3ng b\u1ea3o hi\u1ec3m n\u00e0o.\nC\u00e1c nh\u00e0 m\u1ea1ng ph\u1ea3i quy\u1ebft \u0111\u1ecbnh l\u1ef1a ch\u1ecdn n\u00e0o \u0111\u1ec3 n\u1eafm l\u1ea5y v\u00e0 c\u00e1ch \u00e1p d\u1ee5ng ch\u00fang v\u00e0o m\u1ed9t t\u00ecnh hu\u1ed1ng nh\u1ea5t \u0111\u1ecbnh \u0111\u1ec3 \u0111\u1ea1t \u0111\u01b0\u1ee3c k\u1ebft qu\u1ea3 mong mu\u1ed1n. <\/p>\n\n<p>Trong qu\u00e1 tr\u00ecnh chuy\u1ec3n \u0111\u1ed5i, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c h\u01b0\u1edfng l\u1ee3i t\u1eeb vi\u1ec7c t\u1ea1m d\u1eebng \u0111\u1ec3 xem x\u00e9t l\u1ea1i n\u1ec1n t\u1ea3ng kinh doanh c\u1ee7a h\u1ecd v\u00e0 c\u00e1ch th\u1ee9c m\u00e0 c\u00e1c c\u00f4ng ngh\u1ec7 m\u1edbi c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng \u0111\u1ec3 th\u00fac \u0111\u1ea9y c\u00e1c y\u1ebfu t\u1ed1 thi\u1ebft y\u1ebfu.\nB\u1eb1ng c\u00e1ch s\u1eafp x\u1ebfp c\u00e1c gi\u00e1 tr\u1ecb c\u1ed1t l\u00f5i v\u1edbi c\u00f4ng ngh\u1ec7 trong b\u1ed1i c\u1ea3nh b\u1ea3o hi\u1ec3m sau gi\u00e1n \u0111o\u1ea1n, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 x\u00e1c \u0111\u1ecbnh li\u1ec7u chuy\u1ec3n \u0111\u1ed5i k\u1ef9 thu\u1eadt s\u1ed1 c\u1ee7a h\u1ecd c\u00f3 th\u1ef1c s\u1ef1 ph\u1ee5c v\u1ee5 kh\u00e1ch h\u00e0ng hay ch\u1ec9 \u0111\u01a1n thu\u1ea7n l\u00e0 \u0111\u1ea1i di\u1ec7n cho vi\u1ec7c mua l\u1ea1i c\u00f4ng ngh\u1ec7 v\u00ec l\u1ee3i \u00edch c\u1ee7a c\u00f4ng ngh\u1ec7. <\/p>\n\n<p>&#8220;Ch\u00eca kh\u00f3a n\u1eb1m \u1edf vi\u1ec7c trung th\u1ef1c v\u1edbi s\u1ee9 m\u1ec7nh v\u00e0 gi\u00e1 tr\u1ecb c\u1ee7a c\u00f4ng ty b\u1ea1n trong khi c\u1eadp nh\u1eadt c\u00e1c m\u00f4 h\u00ecnh ho\u1ea1t \u0111\u1ed9ng cho ph\u00e9p hi\u1ec7u qu\u1ea3 t\u1ed1i \u0111a v\u00e0 s\u1ef1 h\u00e0i l\u00f2ng c\u1ee7a kh\u00e1ch h\u00e0ng&#8221;, <a href=\"https:\/\/www.propertycasualty360.com\/2022\/02\/08\/digital-transformation-the-insurance-industrys-top-resolution\/\" target=\"_blank\" rel=\"noreferrer noopener\">Sunil Patro<\/a>, Gi\u00e1m \u0111\u1ed1c \u0111i\u1ec1u h\u00e0nh v\u00e0 ng\u01b0\u1eddi s\u00e1ng l\u1eadp SignEasy vi\u1ebft.<\/p>\n\n<p>Trong nhi\u1ec1u n\u0103m, c\u00e1c h\u00e3ng v\u1eadn t\u1ea3i v\u00e0 \u0111\u1ea1i l\u00fd ph\u1ea3i \u0111\u1ed1i m\u1eb7t v\u1edbi c\u1ea3nh b\u00e1o r\u1eb1ng ng\u00e0nh b\u1ea3o hi\u1ec3m kh\u00f4ng th\u1ec3 tr\u00e1nh kh\u1ecfi s\u1ef1 gi\u00e1n \u0111o\u1ea1n k\u1ef9 thu\u1eadt s\u1ed1.\nGi\u1edd \u0111\u00e2y, s\u1ef1 gi\u00e1n \u0111o\u1ea1n k\u1ef9 thu\u1eadt s\u1ed1 \u0111\u00e3 tr\u1edf th\u00e0nh hi\u1ec7n th\u1ef1c, c\u00e1c h\u00e3ng v\u1eadn t\u1ea3i v\u00e0 \u0111\u1ea1i l\u00fd nh\u1eadn th\u1ea5y n\u00f3 &#8220;\u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn m\u1ecdi kh\u00eda c\u1ea1nh ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m, t\u1eeb c\u00e1c quy tr\u00ecnh n\u1ed9i b\u1ed9 \u0111\u1ebfn c\u00e1c s\u1ea3n ph\u1ea9m v\u00e0 gi\u1ea3i ph\u00e1p m\u00e0 h\u1ecd cung c\u1ea5p cho kh\u00e1ch h\u00e0ng&#8221;, lu\u1eadt s\u01b0 c\u00f4ng ngh\u1ec7 <a href=\"https:\/\/www.clydeco.com\/en\/insights\/2021\/12\/digital-disruption-will-accelerate-in-2022\" target=\"_blank\" rel=\"noreferrer noopener\">Dino Wilkinson<\/a>, m\u1ed9t \u0111\u1ed1i t\u00e1c t\u1ea1i Clyde &amp;Co. vi\u1ebft.\n\u0110\u00e3 \u0111\u1ebfn l\u00fac ng\u1eebng chu\u1ea9n b\u1ecb cho s\u1ef1 thay \u0111\u1ed5i v\u00e0 b\u1eaft \u0111\u1ea7u n\u1eafm l\u1ea5y s\u1ef1 thay \u0111\u1ed5i b\u1eb1ng c\u00e1ch tinh ch\u1ec9nh vi\u1ec7c s\u1eed d\u1ee5ng c\u00f4ng ngh\u1ec7 v\u00e0 s\u1eafp x\u1ebfp l\u1ea1i c\u00e1c kho\u1ea3n \u0111\u1ea7u t\u01b0 v\u1edbi c\u00e1c gi\u00e1 tr\u1ecb c\u1ed1t l\u00f5i.  <\/p>\n\n<figure class=\"wp-block-image aligncenter size-large\"><img decoding=\"async\" src=\"https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/railway-tracks-1024x682.jpg\" alt=\"&#x110;&#x1B0;&#x1EDD;ng ray &#x111;&#x1B0;&#x1EDD;ng s&#x1EAF;t - &#x111;i&#x1EC7;n.&#10;Nh&#xEC;n xu&#x1ED1;ng &#x111;&#x1B0;&#x1EDD;ng ray xe l&#x1EED;a \" class=\"wp-image-11100\"\/><\/figure>\n\n<h2 class=\"wp-block-heading\">C\u00f4ng ngh\u1ec7 c\u00f3 \u0111ang l\u00e0m c\u00f4ng vi\u1ec7c c\u1ee7a n\u00f3 kh\u00f4ng?<\/h2>\n\n<p>C\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m kh\u00f4ng c\u00f2n c\u1ea7n ph\u1ea3i t\u01b0\u1edfng t\u01b0\u1ee3ng c\u00f4ng ngh\u1ec7 n\u00e0o c\u00f3 th\u1ec3 ph\u00e1t sinh ho\u1eb7c l\u00e0m th\u1ebf n\u00e0o h\u1ecd c\u00f3 th\u1ec3 thay \u0111\u1ed5i c\u00f4ng vi\u1ec7c c\u1ee7a b\u1ea3o hi\u1ec3m.\nGi\u1edd \u0111\u00e2y, c\u00e1c nh\u00e0 m\u1ea1ng, \u0111\u1ea1i l\u00fd v\u00e0 kh\u00e1ch h\u00e0ng \u0111\u1ec1u \u0111ang t\u01b0\u01a1ng t\u00e1c v\u1edbi c\u00f4ng ngh\u1ec7 hi\u1ec7n c\u00f3 v\u00e0 h\u1ecfi li\u1ec7u nh\u1eefng c\u00f4ng c\u1ee5 n\u00e0y c\u00f3 gi\u00fap h\u1ecd \u0111\u1ea1t \u0111\u01b0\u1ee3c m\u1ee5c ti\u00eau t\u01b0\u01a1ng \u1ee9ng hay kh\u00f4ng. <\/p>\n\n<p>Trong m\u1ed9t nghi\u00ean c\u1ee9u c\u1ee7a IBM, 56% gi\u00e1m \u0111\u1ed1c \u0111i\u1ec1u h\u00e0nh b\u1ea3o hi\u1ec3m \u0111\u00e1nh gi\u00e1 s\u1ef1 nhanh nh\u1eb9n v\u00e0 linh ho\u1ea1t trong ho\u1ea1t \u0111\u1ed9ng l\u00e0 \u01b0u ti\u00ean h\u00e0ng \u0111\u1ea7u.\nNh\u1eefng ng\u01b0\u1eddi \u0111\u01b0\u1ee3c h\u1ecfi n\u00e0y &#8220;\u0111\u1eb7t kh\u1ea3 n\u0103ng h\u00e0nh \u0111\u1ed9ng d\u1ee9t kho\u00e1t tr\u01b0\u1edbc nh\u1eefng c\u00e2n nh\u1eafc nh\u01b0 c\u1ea3i thi\u1ec7n t\u00ednh minh b\u1ea1ch d\u1eef li\u1ec7u, b\u1ea3o m\u1eadt h\u1ec7 th\u1ed1ng d\u1eef li\u1ec7u v\u00e0 thi\u1ebft l\u1eadp tr\u00e1ch nhi\u1ec7m gi\u1ea3i tr\u00ecnh cao h\u01a1n&#8221;, <a href=\"https:\/\/www.ibm.com\/blogs\/industries\/insurance-executive-c-suite-challenges-2021\/\" target=\"_blank\" rel=\"noreferrer noopener\">Mindy Raf<\/a> vi\u1ebft. <\/p>\n\n<p>M\u1ed9t c\u00e2u h\u1ecfi kh\u00e1c c\u1ea7n \u0111\u1eb7t ra l\u00e0 li\u1ec7u c\u00f4ng ngh\u1ec7 n\u00e0y c\u00f3 gi\u00fap c\u00e1c nh\u00e0 m\u1ea1ng v\u00e0 \u0111\u1ea1i l\u00fd \u0111\u00e1p \u1ee9ng mong \u0111\u1ee3i c\u1ee7a kh\u00e1ch h\u00e0ng hay kh\u00f4ng.\n&#8220;Ng\u01b0\u1eddi b\u1ea3n \u0111\u1ecba k\u1ef9 thu\u1eadt s\u1ed1 \u0111ang khi\u1ebfn k\u1ef3 v\u1ecdng c\u1ee7a kh\u00e1ch h\u00e0ng t\u0103ng l\u00ean \u0111\u00e1ng k\u1ec3 v\u1ec1 ch\u1ea5t l\u01b0\u1ee3ng v\u00e0 s\u1ef1 nhanh nh\u1eb9n c\u1ee7a c\u00e1c d\u1ecbch v\u1ee5 k\u1ef9 thu\u1eadt s\u1ed1 c\u1ee7a c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m&#8221;, <a href=\"https:\/\/www.mckinsey.com\/industries\/financial-services\/our-insights\/tech-driven-insurers-how-to-thrive-in-2030\" target=\"_blank\" rel=\"noreferrer noopener\">Simon Behm<\/a> v\u00e0 c\u00e1c nh\u00e0 nghi\u00ean c\u1ee9u \u0111\u1ed3ng nghi\u1ec7p t\u1ea1i McKinsey l\u01b0u \u00fd. <\/p>\n\n<p>\u0110\u00e1p \u1ee9ng mong \u0111\u1ee3i c\u1ee7a kh\u00e1ch h\u00e0ng s\u1ebd l\u00e0 \u0111i\u1ec1u b\u1eaft bu\u1ed9c trong nh\u1eefng n\u0103m t\u1edbi.\nC\u00f4ng ngh\u1ec7 \u0111\u00f3ng m\u1ed9t vai tr\u00f2 quan tr\u1ecdng trong qu\u00e1 tr\u00ecnh n\u00e0y, khi kh\u00e1ch h\u00e0ng b\u1ea3o hi\u1ec3m ng\u00e0y c\u00e0ng \u0111\u1ebfn t\u1eeb h\u00e0ng ng\u0169 c\u00e1c th\u1ebf h\u1ec7 b\u1ea3n \u0111\u1ecba k\u1ef9 thu\u1eadt s\u1ed1, nh\u1eefng ng\u01b0\u1eddi mong \u0111\u1ee3i d\u1ecbch v\u1ee5 li\u1ec1n m\u1ea1ch trong m\u00f4i tr\u01b0\u1eddng k\u1ef9 thu\u1eadt s\u1ed1. <\/p>\n\n<p>&#8220;Kh\u1ea3 n\u0103ng t\u1ed3n t\u1ea1i c\u1ee7a ng\u00e0nh b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c k\u1ebft n\u1ed1i s\u1ed1ng c\u00f2n v\u1edbi nh\u1eefng kh\u00e1ch h\u00e0ng n\u00e0y. N\u1ebfu ch\u00fang ta m\u1ea5t li\u00ean l\u1ea1c v\u1edbi h\u1ecd, c\u1ea3 hi\u1ec7n t\u1ea1i v\u00e0 t\u01b0\u01a1ng lai, ch\u00fang ta s\u1ebd m\u1ea5t vi\u1ec7c kinh doanh&#8221;, <a href=\"https:\/\/www.majesco.com\/game-changing-trends-in-2022-for-the-future-of-insurance\/\" target=\"_blank\" rel=\"noreferrer noopener\">Denise Garth<\/a> vi\u1ebft t\u1ea1i Majesco.\nC\u00e1c c\u00f4ng c\u1ee5 m\u1edbi c\u00f3 th\u1ec3 gi\u00fap ti\u1ebfp c\u1eadn nh\u1eefng kh\u00e1ch h\u00e0ng n\u00e0y d\u1ec5 d\u00e0ng h\u01a1n, nh\u01b0ng c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m ph\u1ea3i tri\u1ec3n khai ch\u00fang m\u1ed9t c\u00e1ch chu \u0111\u00e1o. <\/p>\n\n<p>C\u00f4ng ngh\u1ec7 c\u00f3 kh\u1ea3 n\u0103ng thay \u0111\u1ed5i c\u00e1ch c\u00e1c h\u00e3ng v\u1eadn t\u1ea3i ti\u1ebfp c\u1eadn ph\u00e2n ph\u1ed1i, c\u00e1ch c\u00e1c \u0111\u1ea1i l\u00fd gia t\u0103ng gi\u00e1 tr\u1ecb v\u00e0 c\u00e1ch kh\u00e1ch h\u00e0ng t\u01b0\u01a1ng t\u00e1c v\u1edbi c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u1ee7a h\u1ecd.\nN\u00f3 c\u0169ng c\u00f3 kh\u1ea3 n\u0103ng th\u00fac \u0111\u1ea9y t\u0103ng tr\u01b0\u1edfng tr\u00ean l\u1ee3i nhu\u1eadn c\u1ee7a c\u00f4ng ty b\u1ea3o hi\u1ec3m.\nV\u00ed d\u1ee5, nghi\u00ean c\u1ee9u c\u1ee7a <a href=\"https:\/\/www.mckinsey.com\/industries\/financial-services\/our-insights\/how-digital-and-advanced-analytics-can-boost-growth-in-asian-insurance\" target=\"_blank\" rel=\"noreferrer noopener\">Violet Chung<\/a> v\u00e0 c\u00e1c th\u00e0nh vi\u00ean trong nh\u00f3m t\u1ea1i McKinsey cho th\u1ea5y &#8220;c\u00e1c nh\u00e0 l\u00e3nh \u0111\u1ea1o k\u1ef9 thu\u1eadt s\u1ed1 t\u0103ng doanh thu g\u1ea5p n\u0103m l\u1ea7n so v\u1edbi c\u00e1c c\u00f4ng ty kh\u00e1c v\u00e0 t\u1ed5ng l\u1ee3i nhu\u1eadn c\u1ee7a c\u1ed5 \u0111\u00f4ng g\u1ea5p hai l\u1ea7n&#8221;.  <\/p>\n\n<p>N\u0103m n\u0103m tr\u01b0\u1edbc, l\u00e3nh \u0111\u1ea1o k\u1ef9 thu\u1eadt s\u1ed1 c\u00f3 ngh\u0129a l\u00e0 tr\u1edf th\u00e0nh ng\u01b0\u1eddi \u0111\u1ea7u ti\u00ean n\u1eafm b\u1eaft c\u00f4ng ngh\u1ec7 m\u1edbi.\nNg\u00e0y nay, v\u1edbi s\u1ef1 gi\u00e1n \u0111o\u1ea1n k\u1ef9 thu\u1eadt s\u1ed1 t\u1ea1i ch\u1ed7, l\u00e3nh \u0111\u1ea1o k\u1ef9 thu\u1eadt s\u1ed1 c\u00f3 ngh\u0129a l\u00e0 h\u1ecfi c\u00f4ng c\u1ee5 c\u00f4ng ngh\u1ec7 n\u00e0o \u0111ang th\u1ef1c hi\u1ec7n c\u00f4ng vi\u1ec7c c\u1ee7a h\u1ecd \u0111\u1ec3 l\u00e0m cho vi\u1ec7c ph\u00e2n ph\u1ed1i d\u1ec5 d\u00e0ng h\u01a1n. <\/p>\n\n<p><em>H\u00ecnh \u1ea3nh b\u1edfi: canbedone\/\u00a9123RF.com, dorian2013\/\u00a9123RF.com, wklzzz\/\u00a9123RF.com<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>V\u00e0i n\u0103m qua \u0111\u00e3 bi\u1ebfn s\u1ef1 gi\u00e1n \u0111o\u1ea1n k\u1ef9 thu\u1eadt s\u1ed1 th\u00e0nh m\u1ed9t ch\u1ee7 \u0111\u1ec1 n\u00f3ng \u0111\u1ed1i v\u1edbi b\u1ea3o hi\u1ec3m. C\u00e1c h\u00e3ng v\u1eadn t\u1ea3i th\u1ea5y m\u00ecnh b\u1ecb t\u1ea5n c\u00f4ng d\u1ed3n d\u1eadp v\u1edbi th\u00f4ng tin v\u1ec1 m\u1ed9t cu\u1ed9c c\u00e1ch m\u1ea1ng s\u1eafp x\u1ea3y ra \u0111\u1ed1i v\u1edbi b\u1ea3o hi\u1ec3m, trong \u0111\u00f3 c\u00f4ng ngh\u1ec7 t\u00e1i t\u1ea1o ph\u00e2n ph\u1ed1i &#8211; [&hellip;]<\/p>\n","protected":false},"featured_media":11089,"template":"","insight-category":[],"class_list":["post-18964","insight","type-insight","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight\/18964","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:featuredmedia":[{"embeddable":true,"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/media\/11089"}],"wp:attachment":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/media?parent=18964"}],"wp:term":[{"taxonomy":"insight-category","embeddable":true,"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight-category?post=18964"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}