{"id":19412,"date":"2024-09-20T09:39:23","date_gmt":"2024-09-20T14:39:23","guid":{"rendered":"https:\/\/bolttech.io\/insight\/nen-tang-va-he-sinh-thai-dang-thuc-day-doi-moi-bao-hiem-nhu-the-nao\/"},"modified":"2024-09-20T09:39:31","modified_gmt":"2024-09-20T14:39:31","slug":"nen-tang-va-he-sinh-thai-dang-thuc-day-doi-moi-bao-hiem-nhu-the-nao","status":"publish","type":"insight","link":"https:\/\/bolttech.io\/vi\/insights\/nen-tang-va-he-sinh-thai-dang-thuc-day-doi-moi-bao-hiem-nhu-the-nao\/","title":{"rendered":"N\u1ec1n t\u1ea3ng v\u00e0 h\u1ec7 sinh th\u00e1i \u0111ang th\u00fac \u0111\u1ea9y \u0111\u1ed5i m\u1edbi b\u1ea3o hi\u1ec3m nh\u01b0 th\u1ebf n\u00e0o"},"content":{"rendered":"\n

C\u00e1c c\u00f4ng ty kh\u1edfi nghi\u1ec7p Insurtech \u0111\u00e3 th\u00fac \u0111\u1ea9y \u0111\u1ed5i m\u1edbi b\u1ea3o hi\u1ec3m \u1edf m\u1ee9c \u0111\u1ed9 t\u1eadp trung, chi ti\u1ebft.\nNh\u1eefng c\u00f4ng c\u1ee5 n\u00e0y \u0111\u00e3 thay \u0111\u1ed5i c\u00e1ch c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u00e0 kh\u00e1ch h\u00e0ng xem c\u00e1c nhi\u1ec7m v\u1ee5 c\u1ee5 th\u1ec3, nh\u01b0 ph\u00e2n ph\u1ed1i ho\u1eb7c n\u1ed9p \u0111\u01a1n y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng. <\/p>\n\n

Tuy nhi\u00ean, l\u00e0n s\u00f3ng thay \u0111\u1ed5i c\u00f4ng ngh\u1ec7 kh\u00f4ng d\u1eebng l\u1ea1i v\u1edbi nh\u1eefng \u0111\u1ed5i m\u1edbi insurtech.\nC\u00e1c m\u00f4 h\u00ecnh h\u1ec7 sinh th\u00e1i, \u0111\u01b0\u1ee3c th\u00fac \u0111\u1ea9y b\u1edfi nh\u1eefng \u0111\u1ed5i m\u1edbi trong c\u00f4ng ngh\u1ec7 n\u1ec1n t\u1ea3ng v\u00e0 API, \u0111\u00e3 s\u1eb5n s\u00e0ng c\u00e1ch m\u1ea1ng h\u00f3a to\u00e0n b\u1ed9 ng\u00e0nh b\u1ea3o hi\u1ec3m.\nC\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m hi\u1ec3u c\u00e1ch th\u1ee9c ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c c\u00f4ng c\u1ee5 n\u00e0y v\u00e0 nh\u1eefng c\u01a1 h\u1ed9i h\u1ecd t\u1ea1o ra \u0111\u01b0\u1ee3c \u0111\u1ecbnh v\u1ecb \u0111\u1ec3 t\u1eadn d\u1ee5ng c\u00e1c n\u1ec1n t\u1ea3ng v\u00e0 h\u1ec7 sinh th\u00e1i \u0111\u1ec3 ph\u1ee5c v\u1ee5 kh\u00e1ch h\u00e0ng t\u1ed1t h\u01a1n v\u00e0 \u0111\u00e1p \u1ee9ng c\u00e1c m\u1ee5c ti\u00eau kinh doanh. <\/p>\n\n

Ph\u00e1 v\u1ee1 ho\u1eb7c b\u1ecb gi\u00e1n \u0111o\u1ea1n: T\u01b0\u01a1ng lai c\u00f4ng ngh\u1ec7 c\u1ee7a b\u1ea3o hi\u1ec3m<\/h2>\n\n

Trong nhi\u1ec1u n\u0103m, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u01b0\u01a1ng nhi\u1ec7m \u0111\u00e3 ph\u1ea3i \u0111\u1ed1i m\u1eb7t v\u1edbi s\u1ef1 c\u1ea1nh tranh t\u1eeb c\u00e1c c\u00f4ng ty kh\u1edfi nghi\u1ec7p insurtech.\nCu\u1ed9c thi n\u00e0y th\u01b0\u1eddng t\u1eadp trung v\u00e0o c\u00e1c quy tr\u00ecnh b\u1ea3o hi\u1ec3m c\u1ee5 th\u1ec3.\nL\u00fac \u0111\u1ea7u, c\u00f3 v\u1ebb nh\u01b0 c\u00f4ng ngh\u1ec7 nh\u01b0 v\u1eady s\u1ebd kh\u00f4ng thay \u0111\u1ed5i to\u00e0n b\u1ed9 ng\u00e0nh c\u00f4ng nghi\u1ec7p. <\/p>\n\n

Ng\u00e0y nay, r\u00f5 r\u00e0ng l\u00e0 b\u1ea3o hi\u1ec3m s\u1ebd c\u1ea7n ph\u1ea3i thay \u0111\u1ed5i khi \u0111\u1ed1i m\u1eb7t v\u1edbi chuy\u1ec3n \u0111\u1ed5i k\u1ef9 thu\u1eadt s\u1ed1.\nC\u00e1c c\u00f4ng ty kh\u1edfi nghi\u1ec7p Insurtech kh\u00f4ng ch\u1ec9 \u0111\u01a1n thu\u1ea7n l\u00e0 ph\u00e1t minh ra nh\u1eefng c\u00e1ch m\u1edbi \u0111\u1ec3 x\u1eed l\u00fd c\u00e1c nhi\u1ec7m v\u1ee5 b\u1ea3o hi\u1ec3m c\u0169.\nH\u1ecd, v\u00e0 nhi\u1ec1u c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u01b0\u01a1ng nhi\u1ec7m, \u0111ang t\u1eadn d\u1ee5ng nh\u1eefng ti\u1ebfn b\u1ed9 nhanh ch\u00f3ng trong c\u00f4ng ngh\u1ec7 n\u00f3i chung, ch\u1eb3ng h\u1ea1n nh\u01b0 kh\u1ea3 n\u0103ng ph\u00e2n t\u00edch m\u1ed9t l\u01b0\u1ee3ng l\u1edbn d\u1eef li\u1ec7u v\u00e0 ti\u1ebfp c\u1eadn kh\u00e1ch h\u00e0ng d\u1ec5 d\u00e0ng th\u00f4ng qua k\u1ebft n\u1ed1i Internet r\u1ed9ng r\u00e3i, Matt High<\/a> FinTech Magazine vi\u1ebft. <\/p>\n\n

K\u1ef3 v\u1ecdng c\u1ee7a kh\u00e1ch h\u00e0ng c\u0169ng g\u00e2y \u00e1p l\u1ef1c l\u00ean c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u1ec3 \u0111\u1ed5i m\u1edbi.\nV\u00ed d\u1ee5, khi kh\u00e1ch h\u00e0ng th\u1ea5y t\u00e1c \u0111\u1ed9ng c\u1ee7a d\u1eef li\u1ec7u l\u1edbn v\u00e0 giao ti\u1ebfp li\u1ec1n m\u1ea1ch \u0111\u1ed1i v\u1edbi vi\u1ec7c mua h\u00e0ng b\u00e1n l\u1ebb c\u1ee7a h\u1ecd, h\u1ecd b\u1eaft \u0111\u1ea7u y\u00eau c\u1ea7u c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m cung c\u1ea5p t\u00ednh c\u00e1 nh\u00e2n h\u00f3a v\u00e0 d\u1ec5 d\u00e0ng t\u01b0\u01a1ng t\u1ef1. <\/p>\n\n

C\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111ang \u0111\u00e1p \u1ee9ng nh\u1eefng k\u1ef3 v\u1ecdng thay \u0111\u1ed5i n\u00e0y.\nTuy nhi\u00ean, nh\u01b0 High l\u01b0u \u00fd, ch\u00fang c\u00f3 th\u1ec3 kh\u00f4ng thay \u0111\u1ed5i \u0111\u1ee7 nhanh. <\/p>\n\n

Trong m\u1ed9t b\u00e1o c\u00e1o v\u00e0o th\u00e1ng 12\/2019, Accenture d\u1ef1 \u0111o\u00e1n r\u1eb1ng b\u1ea3o hi\u1ec3m l\u00e0 “m\u1ed9t trong nh\u1eefng ng\u00e0nh [industries] d\u1ec5 b\u1ecb gi\u00e1n \u0111o\u1ea1n nh\u1ea5t trong t\u01b0\u01a1ng lai”. C\u00e1c nh\u00e0 m\u1ea1ng k\u00e9o ch\u00e2n h\u1ecd trong vi\u1ec7c chuy\u1ec3n \u0111\u1ed5i sang th\u1ebf gi\u1edbi k\u1ef9 thu\u1eadt s\u1ed1 “c\u00f3 th\u1ec3 b\u1ecb x\u00f3i m\u00f2n th\u1ecb ph\u1ea7n tr\u1ecb gi\u00e1 t\u1ed5ng c\u1ed9ng 198 t\u1ef7 \u0111\u00f4 la M\u1ef9 tr\u00ean to\u00e0n th\u1ebf gi\u1edbi trong n\u0103m n\u0103m t\u1edbi”, Daniele Presutti<\/a> t\u1ea1i Accenture vi\u1ebft.\nH\u1ecd c\u0169ng s\u1ebd m\u1ea5t \u0111i c\u01a1 h\u1ed9i t\u0103ng tr\u01b0\u1edfng, c\u00f3 th\u1ec3 ti\u00eau t\u1ed1n th\u00eam 177 t\u1ef7 USD. <\/p>\n\n

Tuy nhi\u00ean, h\u1ec7 sinh th\u00e1i k\u1ef9 thu\u1eadt s\u1ed1 cung c\u1ea5p cho c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m m\u1ed9t c\u00e1ch \u0111\u1ec3 d\u1eabn \u0111\u1ea7u ph\u00ed h\u01b0\u1edbng t\u1edbi l\u1ee3i nhu\u1eadn, thay v\u00ec thua l\u1ed7.\nH\u1ecd l\u00e0m nh\u01b0 v\u1eady b\u1eb1ng c\u00e1ch l\u00e0m cho c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m tr\u1edf th\u00e0nh nh\u1eefng ng\u01b0\u1eddi ch\u01a1i quan tr\u1ecdng trong th\u1ebf gi\u1edbi k\u1ef9 thu\u1eadt s\u1ed1. <\/p>\n\n

M\u1ed9t h\u1ec7 sinh th\u00e1i k\u1ef9 thu\u1eadt s\u1ed1 l\u00e0 “m\u1ed9t m\u1ea1ng l\u01b0\u1edbi l\u1ecfng l\u1ebbo g\u1ed3m c\u00e1c \u1ee9ng d\u1ee5ng v\u00e0 c\u00f4ng ngh\u1ec7 \u0111\u01b0\u1ee3c k\u1ebft n\u1ed1i v\u1edbi nhau ho\u1ea1t \u0111\u1ed9ng g\u1eafn k\u1ebft \u0111\u1ec3 \u0111\u00e1p \u1ee9ng c\u00e1c m\u1ee5c ti\u00eau kinh doanh”, Mike de Waal<\/a>, ch\u1ee7 t\u1ecbch, ng\u01b0\u1eddi s\u00e1ng l\u1eadp v\u00e0 CEO t\u1ea1i Global IQX vi\u1ebft.\nGi\u1ed1ng nh\u01b0 m\u1ed9t h\u1ec7 sinh th\u00e1i \u0111\u01b0\u1ee3c t\u00ecm th\u1ea5y trong t\u1ef1 nhi\u00ean, nh\u1eefng ng\u01b0\u1eddi tham gia h\u1ec7 sinh th\u00e1i k\u1ef9 thu\u1eadt s\u1ed1 kh\u00f4ng tr\u1ef1c ti\u1ebfp c\u1ea1nh tranh cho c\u00f9ng m\u1ed9t t\u00e0i nguy\u00ean (\u1edf \u0111\u00e2y l\u00e0 kh\u00e1ch h\u00e0ng).\nThay v\u00e0o \u0111\u00f3, s\u1ef1 tham gia c\u1ee7a m\u1ed7i ng\u01b0\u1eddi cung c\u1ea5p gi\u00e1 tr\u1ecb cho kh\u00e1ch h\u00e0ng v\u00e0 n\u00e2ng cao c\u00f4ng vi\u1ec7c \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n b\u1edfi m\u1ecdi ng\u01b0\u1eddi trong h\u1ec7 sinh th\u00e1i. <\/p>\n\n

Gi\u1ed1ng nh\u01b0 c\u00e1c ng\u00e0nh kh\u00e1c, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m ph\u1ea3i \u0111\u1ed1i m\u1eb7t v\u1edbi s\u1ef1 gi\u00e1n \u0111o\u1ea1n t\u1eeb s\u1ef1 gia t\u0103ng c\u1ee7a m\u00f4 h\u00ecnh h\u1ec7 sinh th\u00e1i.\nC\u00e2u tr\u1ea3 l\u1eddi l\u00e0 \u0111i\u1ec1u quan tr\u1ecdng.\n“Thay v\u00ec tr\u1edf th\u00e0nh n\u1ea1n nh\u00e2n c\u1ee7a n\u00f3, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 tham gia v\u00e0o c\u00e1c h\u1ec7 sinh th\u00e1i hi\u1ec7n c\u00f3 ho\u1eb7c thi\u1ebft k\u1ebf v\u00e0 th\u1ef1c hi\u1ec7n ch\u00ednh h\u1ecd \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o h\u1ecd l\u00e0 nh\u1eefng ng\u01b0\u1eddi g\u00e2y r\u1ed1i, thay v\u00ec b\u1ecb gi\u00e1n \u0111o\u1ea1n”, Presutti vi\u1ebft. <\/p>\n\n

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

C\u00e1c n\u1ec1n t\u1ea3ng v\u00e0 h\u1ec7 sinh th\u00e1i \u0111ang thay \u0111\u1ed5i ph\u00e2n ph\u1ed1i b\u1ea3o hi\u1ec3m nh\u01b0 th\u1ebf n\u00e0o<\/h2>\n\n

Nh\u01b0 Tanguy Catlin<\/a> v\u00e0 c\u00e1c nh\u00e0 nghi\u00ean c\u1ee9u \u0111\u1ed3ng nghi\u1ec7p t\u1ea1i McKinsey l\u01b0u \u00fd, b\u1ea3y trong s\u1ed1 10 c\u00f4ng ty l\u1edbn nh\u1ea5t tr\u00ean to\u00e0n c\u1ea7u s\u1eed d\u1ee5ng h\u1ec7 sinh th\u00e1i \u0111\u1ec3 th\u1ef1c hi\u1ec7n c\u00f4ng vi\u1ec7c kinh doanh h\u00e0ng ng\u00e0y c\u1ee7a h\u1ecd.\nC\u00e1c c\u00f4ng ty n\u00e0y bao g\u1ed3m Amazon, Alibaba, Microsoft v\u00e0 Facebook. <\/p>\n\n

N\u00f3i chung, h\u1ecd ti\u1ebfp c\u1eadn h\u00e0ng t\u1ef7 ng\u01b0\u1eddi tr\u00ean to\u00e0n th\u1ebf gi\u1edbi h\u00e0ng ng\u00e0y.\nNgo\u00e0i vi\u1ec7c b\u00e1n s\u1ea3n ph\u1ea9m v\u00e0 d\u1ecbch v\u1ee5 c\u1ee7a ri\u00eang h\u1ecd, c\u00e1c c\u00f4ng ty n\u00e0y cho kh\u00e1ch h\u00e0ng th\u1ea5y h\u1ec7 sinh th\u00e1i v\u00e0 n\u1ec1n t\u1ea3ng k\u1ef9 thu\u1eadt s\u1ed1 c\u00f3 th\u1ec3 l\u00e0m g\u00ec cho h\u1ecd.\nDo \u0111\u00f3, kh\u00e1ch h\u00e0ng mong \u0111\u1ee3i m\u1ed9t m\u1ee9c \u0111\u1ed9 d\u1ecbch v\u1ee5 t\u01b0\u01a1ng t\u1ef1 t\u1eeb c\u00e1c t\u1ed5 ch\u1ee9c kh\u00e1c ho\u1ea1t \u0111\u1ed9ng m\u1ed9t ph\u1ea7n ho\u1eb7c to\u00e0n b\u1ed9 tr\u1ef1c tuy\u1ebfn, bao g\u1ed3m c\u1ea3 c\u00f4ng ty b\u1ea3o hi\u1ec3m. <\/p>\n\n

\u0110\u00e1p \u1ee9ng nhu c\u1ea7u c\u1ee7a kh\u00e1ch h\u00e0ng trong k\u1ef7 nguy\u00ean s\u1ed1<\/h3>\n\n

Tham gia v\u00e0o m\u1ed9t h\u1ec7 sinh th\u00e1i mang l\u1ea1i nh\u1eefng l\u1ee3i \u00edch ch\u00ednh cho c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m khi h\u1ecd x\u00e2y d\u1ef1ng v\u00e0 duy tr\u00ec m\u1ed1i quan h\u1ec7 v\u1edbi kh\u00e1ch h\u00e0ng, Catlin v\u00e0 nh\u00f3m McKinsey vi\u1ebft.<\/p>\n\n

V\u00ed d\u1ee5, m\u1ed9t h\u1ec7 sinh th\u00e1i c\u00f3 th\u1ec3 t\u1ea1o \u0111i\u1ec1u ki\u1ec7n thu\u1eadn l\u1ee3i cho c\u00e1c giao d\u1ecbch kh\u00f4ng ma s\u00e1t cho kh\u00e1ch h\u00e0ng.\nV\u00ed d\u1ee5, m\u1ed9t kh\u00e1ch h\u00e0ng mu\u1ed1n mua m\u1ed9t chi\u1ebfc xe m\u1edbi v\u00e0 mua b\u1ea3o hi\u1ec3m cho n\u00f3 kh\u00f4ng ph\u1ea3i chuy\u1ec3n \u0111\u1ed5i gi\u1eefa c\u00e1c trang web ho\u1eb7c n\u1ec1n t\u1ea3ng n\u1ebfu c\u00f4ng ty \u00f4 t\u00f4 v\u00e0 c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u1ee7a h\u1ecd ho\u1ea1t \u0111\u1ed9ng trong c\u00f9ng m\u1ed9t h\u1ec7 sinh th\u00e1i.\nT\u00ednh d\u1ec5 s\u1eed d\u1ee5ng n\u00e0y khuy\u1ebfn kh\u00edch kh\u00e1ch h\u00e0ng ch\u1ecdn c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u00e3 c\u00f3 trong h\u1ec7 sinh th\u00e1i m\u00e0 h\u1ecd \u0111\u00e3 tham gia \u0111\u1ec3 mua xe c\u1ee7a h\u1ecd. <\/p>\n\n

B\u1edfi v\u00ec c\u00e1c h\u1ec7 sinh th\u00e1i c\u00f3 th\u1ec3 t\u00edch h\u1ee3p d\u1eef li\u1ec7u tr\u00ean c\u00e1c m\u1ea1ng, ch\u00fang cung c\u1ea5p d\u1ecbch v\u1ee5 \u0111\u01b0\u1ee3c c\u00e1 nh\u00e2n h\u00f3a h\u01a1n cho kh\u00e1ch h\u00e0ng \u0111\u1ed3ng th\u1eddi cho ph\u00e9p nh\u1eefng ng\u01b0\u1eddi tham gia h\u1ec7 sinh th\u00e1i ph\u00e2n t\u00edch th\u00eam th\u00f4ng tin v\u1ec1 kh\u00e1ch h\u00e0ng.<\/p>\n\n

API v\u00e0 s\u1ef1 tr\u1ed7i d\u1eady c\u1ee7a h\u1ec7 sinh th\u00e1i<\/h3>\n\n

Khi \u00e1p l\u1ef1c gia t\u0103ng \u0111\u1ed1i v\u1edbi c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u1ec3 cung c\u1ea5p \u0111\u1ea7y \u0111\u1ee7 c\u00e1c s\u1ea3n ph\u1ea9m v\u00e0 d\u1ecbch v\u1ee5 b\u1ea3o hi\u1ec3m trong m\u1ed9t m\u00f4i tr\u01b0\u1eddng k\u1ef9 thu\u1eadt s\u1ed1 li\u1ec1n m\u1ea1ch, \u0111\u01b0\u1ee3c c\u00e1 nh\u00e2n h\u00f3a, “s\u1ebd ng\u00e0y c\u00e0ng kh\u00f3 kh\u0103n cho m\u1ed9t c\u00f4ng ty b\u1ea3o hi\u1ec3m duy nh\u1ea5t \u0111\u1ec3 cung c\u1ea5p t\u1ea5t c\u1ea3 c\u00e1c s\u1ea3n ph\u1ea9m v\u00e0 d\u1ecbch v\u1ee5 c\u1ea7n thi\u1ebft \u1edf m\u1ee9c \u0111\u1ed9 tinh vi v\u00e0 t\u1ed1c \u0111\u1ed9 ch\u1ea5p nh\u1eadn \u0111\u01b0\u1ee3c cho ng\u01b0\u1eddi ti\u00eau d\u00f9ng c\u1ee7a h\u1ecd”, Michael Fitzgerald<\/a>, nh\u00e0 ph\u00e2n t\u00edch ch\u00ednh, c\u00f4ng ngh\u1ec7 b\u1ea3o hi\u1ec3m t\u1ea1i CB Insights d\u1ef1 \u0111o\u00e1n.<\/p>\n\n

Giao di\u1ec7n l\u1eadp tr\u00ecnh \u1ee9ng d\u1ee5ng, ho\u1eb7c API, cung c\u1ea5p m\u1ed9t gi\u1ea3i ph\u00e1p.\nB\u1eb1ng c\u00e1ch cho ph\u00e9p c\u00e1c c\u00f4ng ty kh\u00e1c nhau cung c\u1ea5p c\u00e1c s\u1ea3n ph\u1ea9m v\u00e0 d\u1ecbch v\u1ee5 c\u00f9ng nhau tr\u00ean m\u1ed9t n\u1ec1n t\u1ea3ng, API x\u00e2y d\u1ef1ng h\u1ec7 sinh th\u00e1i m\u00e0 kh\u00e1ch h\u00e0ng c\u00f3 th\u1ec3 \u0111i\u1ec1u h\u01b0\u1edbng d\u1ec5 d\u00e0ng.\nThay v\u00ec nh\u1ea3y gi\u1eefa c\u00e1c trang web v\u00e0 n\u1ec1n t\u1ea3ng c\u1ee7a c\u00e1c c\u00f4ng ty kh\u00e1c nhau – v\u00e0 c\u1ed1 g\u1eafng nh\u1edb m\u1eadt kh\u1ea9u c\u1ee7a h\u1ecd cho t\u1eebng – kh\u00e1ch h\u00e0ng c\u00f3 th\u1ec3 \u0111\u0103ng nh\u1eadp v\u00e0o m\u1ed9t n\u1ec1n t\u1ea3ng v\u00e0 truy c\u1eadp v\u00e0o m\u1ecdi c\u00f4ng ty \u0111\u1ed1i t\u00e1c trong h\u1ec7 sinh th\u00e1i. <\/p>\n\n

API \u0111\u00e3 thay \u0111\u1ed5i c\u00e1ch m\u1ecdi ng\u01b0\u1eddi s\u1eed d\u1ee5ng internet.\nNg\u00e0y c\u00e0ng c\u00f3 nhi\u1ec1u trang web cho ph\u00e9p ng\u01b0\u1eddi d\u00f9ng \u0111\u0103ng nh\u1eadp b\u1eb1ng th\u00f4ng tin \u0111\u0103ng nh\u1eadp Google ho\u1eb7c Facebook c\u1ee7a h\u1ecd, v\u00ed d\u1ee5, cung c\u1ea5p cho h\u1ecd \u00edt h\u01a1n m\u1ed9t t\u00e0i kho\u1ea3n c\u00f3 t\u00ean ng\u01b0\u1eddi d\u00f9ng v\u00e0 m\u1eadt kh\u1ea9u m\u00e0 h\u1ecd ph\u1ea3i nh\u1edb.\nM\u1ed9t lo\u1ea1t c\u00e1c c\u00f4ng c\u1ee5 “l\u00e0m vi\u1ec7c t\u1eeb m\u1ecdi n\u01a1i”, nh\u01b0 Slack, gi\u00fap d\u1ec5 d\u00e0ng k\u1ebft n\u1ed1i v\u1edbi c\u00e1c ph\u1ea7n m\u1ec1m kh\u00e1c th\u01b0\u1eddng \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng cho c\u00f4ng vi\u1ec7c k\u1ef9 thu\u1eadt s\u1ed1, nh\u01b0 Google Drive, Trello v\u00e0 Zendesk, Denise Garth<\/a> vi\u1ebft t\u1ea1i Majesco. <\/p>\n\n

Nhi\u1ec1u kh\u00e1ch h\u00e0ng kh\u00f4ng bi\u1ebft c\u00e1ch API t\u1ea1o ra c\u00e1c k\u1ebft n\u1ed1i n\u00e0y.\nNh\u1eefng g\u00ec h\u1ecd tr\u1ea3i nghi\u1ec7m l\u00e0 k\u1ebft n\u1ed1i nhanh ch\u00f3ng, li\u1ec1n m\u1ea1ch gi\u1eefa c\u00e1c n\u1ec1n t\u1ea3ng v\u00e0 c\u00f4ng c\u1ee5 k\u1ef9 thu\u1eadt s\u1ed1 kh\u00e1c nhau c\u1ee7a h\u1ecd.\nV\u1edbi tr\u1ea3i nghi\u1ec7m n\u00e0y tr\u1edf th\u00e0nh ti\u00eau chu\u1ea9n cho c\u00f4ng vi\u1ec7c tr\u1ef1c tuy\u1ebfn, mua s\u1eafm v\u00e0 gi\u1ea3i tr\u00ed, kh\u00e1ch h\u00e0ng ng\u00e0y c\u00e0ng mong \u0111\u1ee3i n\u00f3 t\u1eeb c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u1ee7a h\u1ecd v\u00e0 c\u00e1c doanh nghi\u1ec7p li\u00ean quan, nh\u01b0 m\u00f4i gi\u1edbi, \u0111\u1ea1i l\u00fd xe h\u01a1i v\u00e0 c\u1eeda h\u00e0ng s\u1eeda ch\u1eefa. <\/p>\n\n

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

\u0110i\u1ec1u g\u00ec ti\u1ebfp theo cho h\u1ec7 sinh th\u00e1i b\u1ea3o hi\u1ec3m?<\/h2>\n\n

Quan h\u1ec7 \u0111\u1ed1i t\u00e1c kh\u00f4ng ph\u1ea3i l\u00e0 l\u00e3nh th\u1ed5 m\u1edbi \u0111\u1ed1i v\u1edbi c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m.\nTuy nhi\u00ean, khi h\u1ec7 sinh th\u00e1i k\u1ef9 thu\u1eadt s\u1ed1 ph\u00e1t tri\u1ec3n, quan h\u1ec7 \u0111\u1ed1i t\u00e1c gi\u1eefa c\u00e1c ng\u00e0nh c\u00f4ng nghi\u1ec7p s\u1ebd tr\u1edf th\u00e0nh ti\u00eau chu\u1ea9n. <\/p>\n\n

H\u1ec7 sinh th\u00e1i \u0111\u01b0\u1ee3c x\u00e2y d\u1ef1ng t\u1eeb quan h\u1ec7 \u0111\u1ed1i t\u00e1c kinh doanh.\nC\u00e1c th\u00e0nh vi\u00ean c\u1ee7a h\u1ec7 sinh th\u00e1i k\u1ef9 thu\u1eadt s\u1ed1 h\u1ed7 tr\u1ee3 c\u00f4ng vi\u1ec7c c\u1ee7a nhau ho\u1eb7c l\u00e0m vi\u1ec7c trong c\u00e1c doanh nghi\u1ec7p c\u00f3 li\u00ean quan ch\u1eb7t ch\u1ebd.\nB\u1eb1ng c\u00e1ch tham gia v\u00e0o m\u1ed9t h\u1ec7 sinh th\u00e1i duy nh\u1ea5t, h\u1ecd gi\u00fap kh\u00e1ch h\u00e0ng d\u1ec5 d\u00e0ng l\u1ef1a ch\u1ecdn doanh nghi\u1ec7p c\u1ee7a m\u00ecnh h\u01a1n b\u1eb1ng c\u00e1ch c\u00f3 m\u1eb7t t\u1ea1i th\u1eddi \u0111i\u1ec3m kh\u00e1ch h\u00e0ng c\u1ea7n s\u1ea3n ph\u1ea9m ho\u1eb7c d\u1ecbch v\u1ee5 c\u1ee5 th\u1ec3 c\u1ee7a h\u1ecd. <\/p>\n\n

C\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m ch\u1ec9 m\u1edbi b\u1eaft \u0111\u1ea7u th\u1ef1c hi\u1ec7n nh\u1eefng b\u01b0\u1edbc \u0111\u1ea7u ti\u00ean v\u00e0o m\u1ed9t th\u1ebf gi\u1edbi d\u1ef1a tr\u00ean h\u1ec7 sinh th\u00e1i.\nTh\u00f4ng th\u01b0\u1eddng, nh\u1eefng b\u01b0\u1edbc \u0111\u00f3 \u0111\u00e3 do d\u1ef1 v\u00e0 ch\u1eadm ch\u1ea1p. <\/p>\n\n

M\u1ed9t s\u1ed1 tr\u1edf ng\u1ea1i v\u1eabn c\u00f2n c\u1ea3n tr\u1edf t\u01b0\u01a1ng lai b\u1ea3o hi\u1ec3m d\u1ef1a tr\u00ean h\u1ec7 sinh th\u00e1i, Sebastjan Plavec<\/a>, gi\u00e1m \u0111\u1ed1c ti\u1ebfp th\u1ecb t\u1ea1i Adacta vi\u1ebft.\nCh\u00fang bao g\u1ed3m c\u00e1c t\u00e1c \u0111\u1ed9ng k\u00e9o d\u00e0i c\u1ee7a c\u00f4ng ngh\u1ec7 c\u0169, thi\u1ebfu c\u00e1c ti\u00eau chu\u1ea9n \u0111\u1ec3 ph\u00e1t tri\u1ec3n h\u1ec7 sinh th\u00e1i v\u00e0 thi\u1ebfu x\u00e2y d\u1ef1ng h\u1ec7 sinh th\u00e1i t\u1eeb danh s\u00e1ch m\u1ee5c ti\u00eau c\u1ee7a nhi\u1ec1u c\u00f4ng ty b\u1ea3o hi\u1ec3m. <\/p>\n\n

Nhi\u1ec1u c\u00f4ng ty \u0111\u00e3 duy tr\u00ec \u00edt nh\u1ea5t m\u1ed9t quan h\u1ec7 \u0111\u1ed1i t\u00e1c trong l\u0129nh v\u1ef1c k\u1ef9 thu\u1eadt s\u1ed1 th\u00f4ng qua API.\nTr\u00ean th\u1ef1c t\u1ebf, c\u00e1c API m\u1edf li\u00ean quan \u0111\u1ebfn b\u1ea3o hi\u1ec3m li\u00ean quan \u0111\u1ebfn b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 chi\u1ebfm m\u1ed9t ph\u1ea7n t\u01b0 c\u00e1c API m\u1edf c\u00f3 s\u1eb5n hi\u1ec7n nay, Fouad Husseini<\/a>, ng\u01b0\u1eddi s\u00e1ng l\u1eadp S\u00e1ng ki\u1ebfn B\u1ea3o hi\u1ec3m M\u1edf vi\u1ebft.\nC\u00e1c API n\u00e0y t\u1ea1o \u0111i\u1ec1u ki\u1ec7n cho m\u1ed9t lo\u1ea1t c\u00e1c nhi\u1ec7m v\u1ee5 li\u00ean quan \u0111\u1ebfn b\u1ea3o hi\u1ec3m \u00f4 t\u00f4, t\u1eeb \u0111\u1eb7t b\u1ea3o hi\u1ec3m \u0111\u1ebfn n\u1ed9p \u0111\u01a1n y\u00eau c\u1ea7u. <\/p>\n\n

Tuy nhi\u00ean, API m\u1edbi ch\u1ec9 l\u00e0 kh\u1edfi \u0111\u1ea7u.\n“Chuy\u1ec3n \u0111\u1ed5i th\u1ef1c s\u1ef1 \u0111\u00f2i h\u1ecfi ph\u1ea3i v\u01b0\u1ee3t ra ngo\u00e0i n\u0103ng l\u1ef1c b\u1ea3o hi\u1ec3m v\u00e0 x\u00e2y d\u1ef1ng \u0111\u1ee7 kh\u1ea3 n\u0103ng c\u00f4ng ngh\u1ec7”, Plavec vi\u1ebft.\nQuan h\u1ec7 \u0111\u1ed1i t\u00e1c v\u1edbi c\u00e1c c\u00f4ng ty b\u00ean ngo\u00e0i ng\u00e0nh b\u1ea3o hi\u1ec3m, nh\u1eefng ng\u01b0\u1eddi cam k\u1ebft t\u01b0\u01a1ng t\u1ef1 \u0111\u1ed1i v\u1edbi s\u1ef1 ph\u00e1t tri\u1ec3n h\u1ec7 sinh th\u00e1i v\u00e0 ti\u1ebfn b\u1ed9 c\u00f4ng ngh\u1ec7 c\u00f3 th\u1ec3 gi\u00fap c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 \u0111\u01b0\u1ee3c chuy\u00ean m\u00f4n c\u00f4ng ngh\u1ec7 c\u1ea7n thi\u1ebft \u0111\u1ec3 thi\u1ebft l\u1eadp v\u00e0 ph\u00e1t tri\u1ec3n h\u1ec7 sinh th\u00e1i c\u1ee7a ri\u00eang h\u1ecd. <\/p>\n\n

Khi c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m n\u1eafm l\u1ea5y to\u00e0n b\u1ed9 s\u1ee9c m\u1ea1nh c\u1ee7a h\u1ec7 sinh th\u00e1i k\u1ef9 thu\u1eadt s\u1ed1, h\u1ecd s\u1ebd bi\u1ebfn \u0111\u1ed5i ng\u00e0nh b\u1ea3o hi\u1ec3m tr\u00ean \u0111\u01b0\u1eddng \u0111i.\nC\u00e1c h\u1ec7 sinh th\u00e1i n\u00e0y “cung c\u1ea5p cho c\u00e1c nh\u00e0 \u0111\u1ed5i m\u1edbi m\u1ecdi th\u1ee9, t\u1eeb nh\u1eefng con \u0111\u01b0\u1eddng m\u1edbi \u0111\u1ec3 qu\u1ea3ng c\u00e1o v\u00e0 thu h\u00fat kh\u00e1ch h\u00e0ng, \u0111\u1ebfn c\u00e1c tr\u00f2 ch\u01a1i b\u1ea3o hi\u1ec3m nh\u00fang, \u0111\u1ebfn quan h\u1ec7 \u0111\u1ed1i t\u00e1c h\u1ed7 tr\u1ee3 c\u00e1c d\u1ecbch v\u1ee5 gi\u00e1 tr\u1ecb gia t\u0103ng nh\u01b0 m\u1ed9t ph\u1ea7n c\u1ee7a d\u1ecbch v\u1ee5 b\u1ea3o hi\u1ec3m”, Mike Connor<\/a>, Gi\u00e1m \u0111\u1ed1c \u0111i\u1ec1u h\u00e0nh t\u1ea1i c\u00f4ng ty t\u0103ng t\u1ed1c b\u1ea3o hi\u1ec3m SVIA vi\u1ebft. <\/p>\n\n

\u0110\u1ec3 \u0111\u1ea1t \u0111\u01b0\u1ee3c nh\u1eefng m\u1ee5c ti\u00eau n\u00e0y, c\u00e1c nh\u00e0 l\u00e3nh \u0111\u1ea1o b\u1ea3o hi\u1ec3m s\u1ebd c\u1ea7n hi\u1ec3u h\u1ec7 sinh th\u00e1i k\u1ef9 thu\u1eadt s\u1ed1 ho\u1ea1t \u0111\u1ed9ng nh\u01b0 th\u1ebf n\u00e0o.\nH\u1ecd c\u0169ng s\u1ebd c\u1ea7n d\u00e0nh th\u1eddi gian suy ngh\u0129 v\u1ec1 c\u00e1ch th\u00e0nh l\u1eadp m\u1ed9t h\u1ec7 sinh th\u00e1i, ho\u1eb7c tham gia v\u00e0o m\u1ed9t h\u1ec7 sinh th\u00e1i hi\u1ec7n c\u00f3, c\u00f3 th\u1ec3 gi\u00fap c\u00f4ng ty c\u1ee7a h\u1ecd \u0111\u1ea1t \u0111\u01b0\u1ee3c m\u1ee5c ti\u00eau kinh doanh.\nC\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m nhanh ch\u00f3ng th\u1ef1c hi\u1ec7n c\u00f4ng vi\u1ec7c n\u00e0y s\u1ebd th\u1ea5y m\u00ecnh c\u00f3 v\u1ecb tr\u00ed t\u1ed1t \u0111\u1ec3 thu h\u00fat kh\u00e1ch h\u00e0ng m\u00e0 k\u1ef3 v\u1ecdng gi\u1edd \u0111\u00e2y bao g\u1ed3m tr\u1ea3i nghi\u1ec7m h\u1ec7 sinh th\u00e1i li\u1ec1n m\u1ea1ch. <\/p>\n\n

\u1ea2nh: Wutthichai Luemuang\/\u00a9123RF.com, auremar\/\u00a9123RF.com, Aleksei Gorodenkov\/\u00a9123RF.com<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

C\u00e1c c\u00f4ng ty kh\u1edfi nghi\u1ec7p Insurtech \u0111\u00e3 th\u00fac \u0111\u1ea9y \u0111\u1ed5i m\u1edbi b\u1ea3o hi\u1ec3m \u1edf m\u1ee9c \u0111\u1ed9 t\u1eadp trung, chi ti\u1ebft. Nh\u1eefng c\u00f4ng c\u1ee5 n\u00e0y \u0111\u00e3 thay \u0111\u1ed5i c\u00e1ch c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u00e0 kh\u00e1ch h\u00e0ng xem c\u00e1c nhi\u1ec7m v\u1ee5 c\u1ee5 th\u1ec3, nh\u01b0 ph\u00e2n ph\u1ed1i ho\u1eb7c n\u1ed9p \u0111\u01a1n y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng. Tuy nhi\u00ean, l\u00e0n […]<\/p>\n","protected":false},"featured_media":9412,"template":"","insight-category":[],"class_list":["post-19412","insight","type-insight","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight\/19412","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\/9412"}],"wp:attachment":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/media?parent=19412"}],"wp:term":[{"taxonomy":"insight-category","embeddable":true,"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight-category?post=19412"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}