{"id":19456,"date":"2024-09-20T09:40:11","date_gmt":"2024-09-20T14:40:11","guid":{"rendered":"https:\/\/bolttech.io\/insight\/lam-the-nao-cac-nha-cung-cap-ke-thua-co-the-canh-tranh-voi-cac-cong-ty-khoi-nghiep-insurtech-cho-nguoi-tieu-dung-ky-thuat-so-dau-tien\/"},"modified":"2024-09-20T09:40:20","modified_gmt":"2024-09-20T14:40:20","slug":"lam-the-nao-cac-nha-cung-cap-ke-thua-co-the-canh-tranh-voi-cac-cong-ty-khoi-nghiep-insurtech-cho-nguoi-tieu-dung-ky-thuat-so-dau-tien","status":"publish","type":"insight","link":"https:\/\/bolttech.io\/vi\/insights\/lam-the-nao-cac-nha-cung-cap-ke-thua-co-the-canh-tranh-voi-cac-cong-ty-khoi-nghiep-insurtech-cho-nguoi-tieu-dung-ky-thuat-so-dau-tien\/","title":{"rendered":"L\u00e0m th\u1ebf n\u00e0o c\u00e1c nh\u00e0 cung c\u1ea5p k\u1ebf th\u1eeba c\u00f3 th\u1ec3 c\u1ea1nh tranh v\u1edbi c\u00e1c c\u00f4ng ty kh\u1edfi nghi\u1ec7p insurtech cho ng\u01b0\u1eddi ti\u00eau d\u00f9ng k\u1ef9 thu\u1eadt s\u1ed1 \u0111\u1ea7u ti\u00ean?"},"content":{"rendered":"\n

K\u1ef3 v\u1ecdng c\u1ee7a kh\u00e1ch h\u00e0ng v\u1ec1 mua s\u1eafm \u0111\u00e3 thay \u0111\u1ed5i.\nV\u1edbi s\u1ef1 gia t\u0103ng c\u1ee7a c\u00e1c nh\u00e0 b\u00e1n l\u1ebb tr\u1ef1c tuy\u1ebfn, kh\u00e1ch h\u00e0ng \u0111\u00e3 quen v\u1edbi vi\u1ec7c nghi\u00ean c\u1ee9u, so s\u00e1nh v\u00e0 mua c\u00e1c s\u1ea3n ph\u1ea9m v\u00e0 d\u1ecbch v\u1ee5 thi\u1ebft y\u1ebfu tr\u1ef1c tuy\u1ebfn.\nNg\u00e0y nay, kh\u00e1ch h\u00e0ng mong \u0111\u1ee3i c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m P&C cung c\u1ea5p th\u00f4ng tin v\u00e0 ph\u1ea1m vi b\u1ea3o hi\u1ec3m k\u1ef9 thu\u1eadt s\u1ed1. <\/p>\n\n

C\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111ang \u0111\u00e1p \u1ee9ng v\u1edbi s\u1ef1 thay \u0111\u1ed5i n\u00e0y trong k\u1ef3 v\u1ecdng c\u1ee7a kh\u00e1ch h\u00e0ng, nh\u01b0ng ch\u1eadm.\nM\u1ed9t ph\u00e2n t\u00edch c\u1ee7a McKinsey, \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n v\u00e0o n\u0103m 2020, cho th\u1ea5y 20% c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m h\u00e0ng \u0111\u1ea7u c\u1ee7a M\u1ef9 \u0111\u00e3 \u0111\u1ea7u t\u01b0 v\u00e0o kinh doanh k\u1ef9 thu\u1eadt s\u1ed1, Simon Kaesler<\/a> v\u00e0 m\u1ed9t nh\u00f3m nghi\u00ean c\u1ee9u t\u1ea1i McKinsey vi\u1ebft.\nTrong khi \u0111\u00f3, c\u00e1c c\u00f4ng ty insurtech \u0111ang b\u01b0\u1edbc v\u00e0o \u0111\u1ec3 cung c\u1ea5p tr\u1ea3i nghi\u1ec7m k\u1ef9 thu\u1eadt s\u1ed1 m\u00e0 kh\u00e1ch h\u00e0ng mong mu\u1ed1n. <\/p>\n\n

\u0110i tr\u01b0\u1edbc c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m kh\u00f4ng \u0111\u00f2i h\u1ecfi nh\u1eefng ng\u01b0\u1eddi \u0111\u01b0\u01a1ng nhi\u1ec7m ph\u1ea3i \u0111\u00e1nh b\u1ea1i h\u1ecd trong tr\u00f2 ch\u01a1i c\u1ee7a ri\u00eang h\u1ecd.\nThay v\u00e0o \u0111\u00f3, n\u00f3 \u0111\u00f2i h\u1ecfi s\u1ef1 hi\u1ec3u bi\u1ebft r\u00f5 r\u00e0ng v\u1ec1 k\u1ef3 v\u1ecdng k\u1ef9 thu\u1eadt s\u1ed1 c\u1ee7a kh\u00e1ch h\u00e0ng c\u00f9ng v\u1edbi s\u1ef1 ch\u00fa \u00fd \u0111\u1ebfn vi\u1ec7c x\u00e2y d\u1ef1ng m\u1ed1i quan h\u1ec7 v\u00e0 nu\u00f4i d\u01b0\u1ee1ng m\u00f4i tr\u01b0\u1eddng k\u1ef9 thu\u1eadt s\u1ed1. <\/p>\n\n

Hi\u1ec3u \u0111i\u1ec1u g\u00ec th\u00fac \u0111\u1ea9y kh\u00e1ch h\u00e0ng chuy\u1ec3n sang k\u1ef9 thu\u1eadt s\u1ed1<\/h2>\n\n

“C\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m truy\u1ec1n th\u1ed1ng mu\u1ed1n c\u1ea1nh tranh v\u1edbi nh\u1eefng ng\u01b0\u1eddi ch\u01a1i k\u1ef9 thu\u1eadt s\u1ed1 ph\u1ea3i nh\u1eadn th\u1ee9c s\u00e2u s\u1eafc v\u1ec1 c\u00e1ch th\u1ecb tr\u01b0\u1eddng \u0111ang thay \u0111\u1ed5i v\u00e0 c\u00e1ch c\u00e1c \u0111\u1ed1i th\u1ee7 c\u1ea1nh tranh c\u1ee7a h\u1ecd ph\u1ea3n \u1ee9ng”, Kaesler vi\u1ebft.\nAl. <\/p>\n\n

\u0110\u1ea1i d\u1ecbch COVID-19 \u0111\u00e3 d\u1eabn \u0111\u1ebfn vi\u1ec7c nhi\u1ec1u kh\u00e1ch h\u00e0ng \u00e1p d\u1ee5ng c\u00e1c ph\u01b0\u01a1ng ph\u00e1p ti\u1ebfp c\u1eadn \u01b0u ti\u00ean k\u1ef9 thu\u1eadt s\u1ed1 \u0111\u1ec3 mua b\u1ea3o hi\u1ec3m v\u00e0 c\u00e1c s\u1ea3n ph\u1ea9m v\u00e0 d\u1ecbch v\u1ee5 c\u1ea7n thi\u1ebft kh\u00e1c.\n“Nhi\u1ec1u kh\u00e1ch h\u00e0ng tr\u01b0\u1edbc \u0111\u00e2y kh\u00f4ng t\u01b0\u01a1ng t\u00e1c k\u1ef9 thu\u1eadt s\u1ed1 gi\u1edd \u0111\u00e3 l\u00ean m\u1ea1ng \u0111\u1ec3 mua s\u1eafm v\u00e0 c\u00e1c ho\u1ea1t \u0111\u1ed9ng kh\u00e1c, gi\u00fap c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m d\u1ec5 d\u00e0ng th\u00fac \u0111\u1ea9y vi\u1ec7c \u00e1p d\u1ee5ng k\u1ef9 thu\u1eadt s\u1ed1 h\u01a1n”, M\u00e1rio Conde, Andrew Schwedel v\u00e0 Tanja Brettel<\/a> c\u1ee7a Bain &;Company vi\u1ebft. <\/p>\n\n

Khi xem x\u00e9t c\u00e1c n\u1ed7 l\u1ef1c k\u1ef9 thu\u1eadt s\u1ed1 c\u1ee7a m\u1ed9t s\u1ed1 c\u00f4ng ty b\u1ea3o hi\u1ec3m h\u00e0ng \u0111\u1ea7u, Conde, Schwedel v\u00e0 Brettel nh\u1eadn th\u1ea5y r\u1eb1ng c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m th\u00e0nh c\u00f4ng nh\u1ea5t \u0111\u00e3 \u0111\u1ea7u t\u01b0 v\u00e0o t\u00e0i s\u1ea3n k\u1ef9 thu\u1eadt s\u1ed1 v\u1edbi m\u1ee5c ti\u00eau \u01b0u ti\u00ean kh\u00e1ch h\u00e0ng d\u1ec5 s\u1eed d\u1ee5ng.<\/p>\n\n

V\u00ed d\u1ee5, [leading insurers] c\u00f3 kh\u1ea3 n\u0103ng cao g\u1ea5p 1,7 l\u1ea7n so v\u1edbi c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m kh\u00e1c \u0111\u1ec3 c\u00f3 m\u1ed9t trang web ti\u00ean ti\u1ebfn v\u00e0 c\u1ed5ng d\u1ecbch v\u1ee5 kh\u00e1ch h\u00e0ng.\nH\u1ecd c\u00f3 kh\u1ea3 n\u0103ng cung c\u1ea5p ph\u00ea duy\u1ec7t tr\u1ef1c tuy\u1ebfn ngay l\u1eadp t\u1ee9c ho\u1eb7c t\u1eeb ch\u1ed1i \u0111\u01a1n \u0111\u0103ng k\u00fd b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 cao g\u1ea5p 2,8 l\u1ea7n”, h\u1ecd gi\u1ea3i th\u00edch.\nTrung b\u00ecnh, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m n\u00e0y c\u0169ng s\u1eed d\u1ee5ng nhi\u1ec1u k\u00eanh k\u1ef9 thu\u1eadt s\u1ed1 h\u01a1n, bao g\u1ed3m vi\u1ec7c \u00e1p d\u1ee5ng r\u1ed9ng r\u00e3i h\u01a1n c\u00e1c ph\u01b0\u01a1ng ti\u1ec7n truy\u1ec1n th\u00f4ng x\u00e3 h\u1ed9i, \u1ee9ng d\u1ee5ng di \u0111\u1ed9ng v\u00e0 video. <\/p>\n\n

C\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u00e1p d\u1ee5ng c\u00e1c c\u00f4ng c\u1ee5 k\u1ef9 thu\u1eadt s\u1ed1 n\u00e0y \u0111\u1ec3 ti\u1ebfp c\u1eadn kh\u00e1ch h\u00e0ng \u0111ang l\u00e0m nh\u01b0 v\u1eady b\u1edfi v\u00ec h\u1ecd nh\u1eadn th\u1ee9c \u0111\u01b0\u1ee3c r\u1eb1ng kh\u00e1ch h\u00e0ng ng\u00e0y c\u00e0ng mong \u0111\u1ee3i m\u1ed9t l\u1ef1a ch\u1ecdn k\u1ef9 thu\u1eadt s\u1ed1 \u0111\u1ea7u ti\u00ean ho\u1eb7c k\u1ef9 thu\u1eadt s\u1ed1 \u0111\u1ec3 mua b\u1ea3o hi\u1ec3m.<\/p>\n\n

“Kh\u00e1ch h\u00e0ng \u0111ang t\u00ecm ki\u1ebfm b\u1ea3o hi\u1ec3m nhanh ch\u00f3ng, \u0111\u01a1n gi\u1ea3n, t\u00f9y ch\u1ec9nh v\u00e0 gi\u00e1 c\u1ea3 ph\u1ea3i ch\u0103ng, v\u00e0 h\u1ecd kh\u00f4ng mu\u1ed1n th\u1ecfa hi\u1ec7p \u0111\u1ec3 c\u00f3 tr\u1ea3i nghi\u1ec7m kh\u00e1ch h\u00e0ng k\u00e9m \u0111\u1eb7c bi\u1ec7t”, Guy Goldstein<\/a>, Gi\u00e1m \u0111\u1ed1c \u0111i\u1ec1u h\u00e0nh t\u1ea1i Next Insurance vi\u1ebft.<\/p>\n\n

Tuy nhi\u00ean, vi\u1ec7c tri\u1ec3n khai c\u00e1c c\u00f4ng c\u1ee5 k\u1ef9 thu\u1eadt s\u1ed1 ch\u1ec9 \u0111\u01a1n gi\u1ea3n v\u00ec l\u1ee3i \u00edch c\u1ee7a vi\u1ec7c c\u00f3 ch\u00fang, c\u00f3 th\u1ec3 kh\u00f4ng thu h\u00fat kh\u00e1ch h\u00e0ng.\nTrong th\u1ef1c t\u1ebf, n\u00f3 c\u00f3 th\u1ec3 c\u00f3 t\u00e1c d\u1ee5ng ng\u01b0\u1ee3c l\u1ea1i.\n\u0110\u00f3 l\u00e0 b\u1edfi v\u00ec kh\u00e1ch h\u00e0ng kh\u00f4ng quan t\u00e2m \u0111\u1ebfn c\u00f4ng ngh\u1ec7 v\u00ec l\u1ee3i \u00edch ri\u00eang c\u1ee7a n\u00f3.\nThay v\u00e0o \u0111\u00f3, h\u1ecd mu\u1ed1n c\u00e1c c\u00f4ng c\u1ee5 gi\u00fap qu\u00e1 tr\u00ecnh nghi\u00ean c\u1ee9u b\u1ea3o hi\u1ec3m v\u00e0 ch\u00ednh s\u00e1ch mua h\u00e0ng d\u1ec5 d\u00e0ng h\u01a1n cho h\u1ecd, Sean Ringsted<\/a>, gi\u00e1m \u0111\u1ed1c k\u1ef9 thu\u1eadt s\u1ed1 t\u1ea1i Chubb n\u00f3i. <\/p>\n\n

\u00c1p d\u1ee5ng c\u00f4ng ngh\u1ec7 ch\u1ec9 \u0111\u01a1n gi\u1ea3n l\u00e0 \u0111\u1ec3 c\u00f3 n\u00f3 c\u0169ng kh\u00f4ng ph\u1ea3i l\u00e0 m\u1ed9t gi\u1ea3i ph\u00e1p hi\u1ec7u qu\u1ea3 cho c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m.\nThay v\u00e0o \u0111\u00f3, Ringsted khuy\u1ebfn ngh\u1ecb c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u1eb7t m\u1ee5c ti\u00eau r\u00f5 r\u00e0ng, sau \u0111\u00f3 ch\u1ecdn c\u00e1c c\u00f4ng ngh\u1ec7 s\u1ebd gi\u00fap h\u1ecd \u0111\u1ea1t \u0111\u01b0\u1ee3c nh\u1eefng m\u1ee5c ti\u00eau \u0111\u00f3. <\/p>\n\n

B\u1eb1ng c\u00e1ch \u0111\u1eb7t ra c\u00e1c m\u1ee5c ti\u00eau t\u1eadp trung v\u00e0o vi\u1ec7c \u0111\u00e1p \u1ee9ng nhu c\u1ea7u v\u00e0 mong \u0111\u1ee3i c\u1ee7a kh\u00e1ch h\u00e0ng, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m t\u00e0i s\u1ea3n v\u00e0 th\u01b0\u01a1ng vong \u0111\u01b0\u1ee3c th\u00e0nh l\u1eadp c\u00f3 th\u1ec3 gi\u00fap thu h\u1eb9p kho\u1ea3ng c\u00e1ch gi\u1eefa c\u00e1c d\u1ecbch v\u1ee5 c\u1ee7a h\u1ecd v\u00e0 mong mu\u1ed1n c\u1ee7a kh\u00e1ch h\u00e0ng \u0111\u1ec3 giao ti\u1ebfp li\u1ec1n m\u1ea1ch th\u00f4ng qua c\u00e1c k\u00eanh k\u1ef9 thu\u1eadt s\u1ed1.<\/p>\n\n

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

X\u00e2y d\u1ef1ng quan h\u1ec7 \u0111\u1ed1i t\u00e1c<\/h2>\n\n

C\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u00e3 x\u00e2y d\u1ef1ng h\u00e0ng th\u1eadp k\u1ef7 ho\u1eb7c th\u1eadm ch\u00ed h\u00e0ng th\u1ebf k\u1ef7 kinh nghi\u1ec7m trong kinh doanh b\u1ea3o hi\u1ec3m.\n\u0110\u1ec3 duy tr\u00ec v\u1ecb tr\u00ed h\u00e0ng \u0111\u1ea7u trong ng\u00e0nh, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c th\u00e0nh l\u1eadp n\u00e0y ph\u1ea3i ti\u1ebfp t\u1ee5c t\u1eadp trung v\u00e0o b\u1ea3o hi\u1ec3m.\nC\u0169ng h\u1ea5p d\u1eabn nh\u01b0 vi\u1ec7c kh\u1edfi \u0111\u1ed9ng c\u00e1c d\u1ef1 \u00e1n c\u00f4ng ngh\u1ec7 m\u1edbi, c\u00f4ng ngh\u1ec7 kh\u00f4ng ph\u1ea3i l\u00e0 l\u0129nh v\u1ef1c chuy\u00ean m\u00f4n ch\u00ednh c\u1ee7a c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m, c\u0169ng kh\u00f4ng n\u00ean tr\u1edf th\u00e0nh tr\u1ecdng t\u00e2m ch\u00ednh c\u1ee7a h\u1ecd. <\/p>\n\n

Thay v\u00e0o \u0111\u00f3, vi\u1ec7c t\u1eadp trung v\u00e0o vi\u1ec7c x\u00e2y d\u1ef1ng quan h\u1ec7 \u0111\u1ed1i t\u00e1c c\u00f3 th\u1ec3 gi\u00fap c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m t\u1eadp trung n\u1ed7 l\u1ef1c c\u1ee7a h\u1ecd.\nB\u1eb1ng c\u00e1ch hi\u1ec3u nhu c\u1ea7u v\u00e0 mong \u0111\u1ee3i c\u1ee7a kh\u00e1ch h\u00e0ng, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 n\u1eafm b\u1eaft c\u00e1c m\u1ed1i quan h\u1ec7 \u0111\u1ed1i t\u00e1c c\u1ea7n thi\u1ebft \u0111\u1ec3 \u0111\u00e1p \u1ee9ng kh\u00e1ch h\u00e0ng \u1edf n\u01a1i h\u1ecd \u0111ang \u1edf, x\u00e2y d\u1ef1ng s\u1ef1 duy tr\u00ec v\u00e0 l\u00f2ng trung th\u00e0nh. <\/p>\n\n

X\u00e2y d\u1ef1ng quan h\u1ec7 \u0111\u1ed1i t\u00e1c Insurtech<\/h3>\n\n

“Quan h\u1ec7 \u0111\u1ed1i t\u00e1c gi\u1eefa InsurTech v\u00e0 nh\u1eefng ng\u01b0\u1eddi \u0111\u01b0\u01a1ng nhi\u1ec7m l\u00e0 m\u1ed9t xu h\u01b0\u1edbng \u0111ang ph\u00e1t tri\u1ec3n v\u00e0 v\u00ec m\u1ed9t l\u00fd do ch\u00ednh \u0111\u00e1ng – \u0111\u00f3 th\u01b0\u1eddng l\u00e0 m\u1ed9t \u0111\u1ec1 xu\u1ea5t \u0111\u00f4i b\u00ean c\u00f9ng c\u00f3 l\u1ee3i”, Tal Daskal<\/a>, Gi\u00e1m \u0111\u1ed1c \u0111i\u1ec1u h\u00e0nh v\u00e0 \u0111\u1ed3ng s\u00e1ng l\u1eadp t\u1ea1i n\u1ec1n t\u1ea3ng ph\u00e1t tri\u1ec3n kh\u00f4ng m\u00e3 c\u1ea5p doanh nghi\u1ec7p EasySend vi\u1ebft.\nC\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u01b0\u01a1ng nhi\u1ec7m \u0111\u01b0a c\u00e1c m\u1ed1i quan h\u1ec7 kh\u00e1ch h\u00e0ng hi\u1ec7n c\u00f3 v\u00e0 d\u1eef li\u1ec7u li\u00ean quan v\u00e0o b\u00e0n, trong khi c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m cung c\u1ea5p ki\u1ebfn th\u1ee9c v\u00e0 gi\u1ea3i ph\u00e1p c\u00f4ng ngh\u1ec7 ti\u00ean ti\u1ebfn. <\/p>\n\n

C\u00e1c c\u00f4ng ty kh\u1edfi nghi\u1ec7p t\u1eadp trung v\u00e0o c\u00e1c ph\u01b0\u01a1ng ph\u00e1p ti\u1ebfp c\u1eadn k\u1ef9 thu\u1eadt s\u1ed1 \u0111\u1ea7u ti\u00ean ngay t\u1eeb \u0111\u1ea7u c\u00f3 m\u1ed9t s\u1ed1 l\u1ee3i th\u1ebf so v\u1edbi c\u00e1c t\u1ed5 ch\u1ee9c \u0111\u01b0\u01a1ng nhi\u1ec7m, Sergiu Negut<\/a>, \u0111\u1ed3ng s\u00e1ng l\u1eadp v\u00e0 EVP t\u1ea1i n\u1ec1n t\u1ea3ng c\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh t\u1ef1 \u0111\u1ed9ng Fintech OS l\u01b0u \u00fd.\n“H\u1ecd r\u1ea5t gi\u1ecfi trong tr\u1ea3i nghi\u1ec7m c\u1ee7a kh\u00e1ch h\u00e0ng v\u00e0 \u0111i\u1ec1u n\u00e0y l\u00e0 do h\u1ecd kh\u00f4ng c\u00f3 n\u1ee3 k\u1ef9 thu\u1eadt”, Negut n\u00f3i.\nInsurtech kh\u00f4ng b\u1eaft bu\u1ed9c ph\u1ea3i tung h\u1ee9ng c\u00e1c h\u1ec7 th\u1ed1ng c\u0169 v\u00e0 c\u00e1c silo th\u00f4ng tin c\u00f3 s\u1eb5n kh\u00f4ng bu\u1ed9c h\u1ecd ph\u1ea3i \u0111i\u1ec1u ch\u1ec9nh c\u00e1ch ti\u1ebfp c\u1eadn c\u1ee7a h\u1ecd v\u1edbi kh\u00e1ch h\u00e0ng ho\u1eb7c s\u1ea3n ph\u1ea9m. <\/p>\n\n

C\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m P&C v\u00e0 c\u00e1c c\u00f4ng ty kh\u1edfi nghi\u1ec7p insurtech \u0111ang n\u1eafm l\u1ea5y quan h\u1ec7 \u0111\u1ed1i t\u00e1c v\u00ec c\u1ea3 hai b\u00ean \u0111\u1ec1u nh\u1eadn ra r\u1eb1ng kh\u00f4ng ai c\u00f3 th\u1ec3 t\u1ef1 m\u00ecnh chuy\u1ec3n \u0111\u1ed5i ng\u00e0nh b\u1ea3o hi\u1ec3m, Dan Epstein<\/a>, Gi\u00e1m \u0111\u1ed1c \u0111i\u1ec1u h\u00e0nh t\u1ea1i ReSource Pro, m\u1ed9t nh\u00e0 cung c\u1ea5p gi\u1ea3i ph\u00e1p v\u00e0 d\u1ecbch v\u1ee5 ho\u1ea1t \u0111\u1ed9ng b\u1ea3o hi\u1ec3m vi\u1ebft.\nThay v\u00e0o \u0111\u00f3, s\u1ef1 k\u1ebft h\u1ee3p gi\u1eefa kinh nghi\u1ec7m b\u1ea3o hi\u1ec3m v\u00e0 \u0111\u1ed5i m\u1edbi c\u00f4ng ngh\u1ec7 l\u00e0 c\u1ea7n thi\u1ebft \u0111\u1ec3 \u0111\u01b0a to\u00e0n b\u1ed9 ng\u00e0nh b\u1ea3o hi\u1ec3m v\u00e0o m\u1ed9t th\u1ebf gi\u1edbi k\u1ef9 thu\u1eadt s\u1ed1 \u0111\u1ea7u ti\u00ean. <\/p>\n\n

Trong th\u1eadp k\u1ef7 t\u1edbi, ng\u00e0nh b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 t\u0103ng tr\u01b0\u1edfng doanh thu 600 t\u1ef7 \u0111\u00f4 la v\u00e0 c\u1ea3i thi\u1ec7n 25 \u0111\u1ebfn 35% t\u1ef7 l\u1ec7 ho\u1ea1t \u0111\u1ed9ng k\u1ebft h\u1ee3p, Chris Maiato<\/a>, gi\u00e1m \u0111\u1ed1c t\u1ea1i EY Bermuda vi\u1ebft.\n\u0110\u1ec3 \u0111\u1ea1t \u0111\u01b0\u1ee3c nh\u1eefng m\u1ee5c ti\u00eau n\u00e0y, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m s\u1ebd c\u1ea7n x\u00e2y d\u1ef1ng “quan h\u1ec7 \u0111\u1ed1i t\u00e1c chi\u1ebfn l\u01b0\u1ee3c t\u1ea1o ra c\u00e1c d\u1ecbch v\u1ee5 ph\u00f9 h\u1ee3p v\u00e0 c\u00e1c ch\u01b0\u01a1ng tr\u00ecnh ti\u1ebfp c\u1eadn th\u1ecb tr\u01b0\u1eddng \u0111\u1ed9c \u0111\u00e1o”, Maiato l\u01b0u \u00fd. <\/p>\n\n

T\u0103ng c\u01b0\u1eddng m\u1ed1i quan h\u1ec7 \u0111\u1ea1i l\u00fd v\u00e0 m\u00f4i gi\u1edbi<\/h3>\n\n

Quan h\u1ec7 \u0111\u1ed1i t\u00e1c v\u1edbi c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 gi\u00fap c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u01b0\u01a1ng nhi\u1ec7m c\u1ea3i thi\u1ec7n m\u1ee5c ti\u00eau s\u1ed1 h\u00f3a c\u1ee7a h\u1ecd.\nTuy nhi\u00ean, nh\u1eefng quan h\u1ec7 \u0111\u1ed1i t\u00e1c n\u00e0y kh\u00f4ng ph\u1ea3i l\u00e0 m\u1ed1i quan h\u1ec7 duy nh\u1ea5t m\u00e0 c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m s\u1ebd c\u1ea7n ph\u1ea3i trau d\u1ed3i \u0111\u1ec3 cung c\u1ea5p m\u1ed9t \u0111\u1ec1 xu\u1ea5t gi\u00e1 tr\u1ecb nh\u1ea5t qu\u00e1n v\u00e0 d\u1ec5 d\u00e0ng ph\u1ee5c v\u1ee5 cho kh\u00e1ch h\u00e0ng. <\/p>\n\n

C\u1ea3i thi\u1ec7n kh\u1ea3 n\u0103ng ti\u1ebfp c\u1eadn k\u1ef9 thu\u1eadt s\u1ed1 c\u1ee7a c\u00e1c nh\u00e0 m\u00f4i gi\u1edbi v\u00e0 \u0111\u1ea1i l\u00fd c\u0169ng l\u00e0 \u0111i\u1ec1u c\u1ea7n thi\u1ebft.\nC\u1ea3i thi\u1ec7n k\u1ebft n\u1ed1i \u0111\u1ea1i l\u00fd v\u00e0 nh\u00e0 m\u00f4i gi\u1edbi \u0111\u1eb7c bi\u1ec7t quan tr\u1ecdng \u0111\u1ed1i v\u1edbi c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng m\u1ea1i, nh\u1eefng ng\u01b0\u1eddi th\u1ef1c hi\u1ec7n ph\u1ea7n l\u1edbn k\u1ebft n\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng th\u00f4ng qua c\u00e1c \u0111\u1ea1i l\u00fd v\u00e0 nh\u00e0 m\u00f4i gi\u1edbi, Graham Boffey<\/a> v\u00e0 c\u00e1c c\u1ed9ng t\u00e1c vi\u00ean \u0111\u1ed3ng nghi\u1ec7p t\u1ea1i KPMG vi\u1ebft. <\/p>\n\n

Tr\u1ea3i nghi\u1ec7m k\u1ef9 thu\u1eadt s\u1ed1 v\u01b0\u1ee3t tr\u1ed9i cho kh\u00e1ch h\u00e0ng s\u1ebd ph\u1ea3i v\u1eadt l\u1ed9n \u0111\u1ec3 cung c\u1ea5p gi\u00e1 tr\u1ecb t\u1ed1i \u0111a cho kh\u00e1ch h\u00e0ng ho\u1eb7c c\u00f4ng ty b\u1ea3o hi\u1ec3m n\u1ebfu c\u00e1c ph\u01b0\u01a1ng th\u1ee9c li\u00ean h\u1ec7 kh\u00e1c, nh\u01b0 l\u00e0m vi\u1ec7c v\u1edbi \u0111\u1ea1i l\u00fd, v\u1eabn c\u00f2n kh\u00f3 hi\u1ec3u, ph\u1ee9c t\u1ea1p ho\u1eb7c ch\u1eadm.\n“Tr\u1ea3i nghi\u1ec7m c\u1ee7a kh\u00e1ch h\u00e0ng ph\u1ea3i ph\u00f9 h\u1ee3p v\u1edbi \u0111\u1ec1 xu\u1ea5t gi\u00e1 tr\u1ecb c\u1ee7a c\u00f4ng ty b\u1ea3o hi\u1ec3m trong su\u1ed1t qu\u00e1 tr\u00ecnh, b\u1ea5t k\u1ec3 n\u00f3 \u0111\u01b0\u1ee3c truy c\u1eadp nh\u01b0 th\u1ebf n\u00e0o”, Boffey v\u00e0 nh\u00f3m KPMG vi\u1ebft. <\/p>\n\n

B\u1eb1ng c\u00e1ch x\u00e2y d\u1ef1ng m\u1ed1i quan h\u1ec7 \u0111\u00fang \u0111\u1eafn v\u1edbi c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m, \u0111\u1ea1i l\u00fd v\u00e0 m\u00f4i gi\u1edbi, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 cung c\u1ea5p cho kh\u00e1ch h\u00e0ng tr\u1ea3i nghi\u1ec7m k\u1ef9 thu\u1eadt s\u1ed1 m\u00e0 h\u1ecd mong \u0111\u1ee3i.<\/p>\n\n

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

T\u1eadn d\u1ee5ng kh\u1ea3 n\u0103ng k\u1ebft n\u1ed1i<\/h2>\n\n

K\u1ef3 v\u1ecdng c\u1ee7a kh\u00e1ch h\u00e0ng v\u1ec1 vi\u1ec7c mua b\u1ea3o hi\u1ec3m trong m\u00f4i tr\u01b0\u1eddng k\u1ef9 thu\u1eadt s\u1ed1 \u0111\u01b0\u1ee3c \u0111\u1ecbnh h\u00ecnh b\u1edfi s\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a c\u00e1c c\u00f4ng c\u1ee5 v\u00e0 \u1ee9ng d\u1ee5ng k\u1ef9 thu\u1eadt s\u1ed1 gi\u00fap nghi\u00ean c\u1ee9u v\u00e0 mua \u0111\u01a1n gi\u1ea3n h\u01a1n trong c\u00e1c l\u0129nh v\u1ef1c kh\u00e1c, nh\u01b0 b\u00e1n l\u1ebb.<\/p>\n\n

Tuy nhi\u00ean, c\u00f4ng ngh\u1ec7 t\u1eadp trung v\u00e0o kh\u00e1ch h\u00e0ng, nh\u01b0 \u0111i\u1ec7n tho\u1ea1i th\u00f4ng minh, chatbot v\u00e0 \u1ee9ng d\u1ee5ng di \u0111\u1ed9ng, kh\u00f4ng ph\u1ea3i l\u00e0 c\u00f4ng c\u1ee5 k\u1ef9 thu\u1eadt s\u1ed1 duy nh\u1ea5t ph\u00e1t tri\u1ec3n nhanh ch\u00f3ng.\nC\u00e1c c\u00f4ng c\u1ee5 k\u1ef9 thu\u1eadt s\u1ed1 \u0111\u01b0\u1ee3c ph\u00e1t tri\u1ec3n g\u1ea7n \u0111\u00e2y c\u0169ng c\u00f3 s\u1eb5n \u0111\u1ec3 gi\u00fap c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m x\u00e2y d\u1ef1ng h\u1ec7 sinh th\u00e1i k\u1ef9 thu\u1eadt s\u1ed1.\nNh\u1eefng c\u00f4ng c\u1ee5 n\u00e0y c\u0169ng c\u00f3 th\u1ec3 gi\u00fap c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u00e1p \u1ee9ng mong \u0111\u1ee3i c\u1ee7a kh\u00e1ch h\u00e0ng khi n\u00f3i \u0111\u1ebfn m\u1ed1i quan h\u1ec7 \u01b0u ti\u00ean k\u1ef9 thu\u1eadt s\u1ed1 ho\u1eb7c ch\u1ec9 k\u1ef9 thu\u1eadt s\u1ed1. <\/p>\n\n

M\u1ed9t s\u1ed1 c\u00f4ng c\u1ee5 k\u1ef9 thu\u1eadt s\u1ed1 gi\u00fap c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m t\u01b0\u01a1ng t\u00e1c v\u1edbi kh\u00e1ch h\u00e0ng v\u00e0 \u0111\u1ed1i t\u00e1c d\u1ec5 d\u00e0ng h\u01a1n m\u00e0 kh\u00f4ng c\u1ea7n ph\u1ea3i \u0111\u1ea1i tu h\u1ec7 th\u1ed1ng m\u00e1y t\u00ednh hi\u1ec7n c\u00f3 c\u1ee7a h\u1ecd.\n“V\u00ed d\u1ee5, v\u1edbi vi\u1ec7c s\u1eed d\u1ee5ng ph\u1ea7n m\u1ec1m nh\u01b0 c\u00e1c l\u1edbp front-end ho\u1eb7c c\u1ed5ng API, c\u00e1c l\u1ea7n l\u1eb7p nhanh c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n \u1edf t\u1ea5t c\u1ea3 c\u00e1c giao di\u1ec7n tr\u1ef1c ti\u1ebfp cho kh\u00e1ch h\u00e0ng m\u00e0 kh\u00f4ng c\u1ea7n ph\u1ea3i can thi\u1ec7p v\u00e0o CNTT hi\u1ec7n c\u00f3”, Sascha Langfus<\/a> t\u1ea1i Avenga vi\u1ebft. <\/p>\n\n

Microservices cung c\u1ea5p m\u1ed9t c\u00e1ch kh\u00e1c \u0111\u1ec3 x\u00e2y d\u1ef1ng c\u00e1c c\u00f4ng c\u1ee5 thu h\u00fat kh\u00e1ch h\u00e0ng k\u1ef9 thu\u1eadt s\u1ed1 \u0111\u1ea7u ti\u00ean.\nMicroservices gi\u00fap c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111i\u1ec1u ch\u1ec9nh c\u00e1c \u1ee9ng d\u1ee5ng d\u1ef1a tr\u00ean web kh\u00e1c nhau \u0111\u1ec3 \u0111\u00e1p \u1ee9ng nhu c\u1ea7u c\u1ee7a ri\u00eang h\u1ecd ho\u1eb7c th\u1eadm ch\u00ed x\u00e2y d\u1ef1ng c\u00e1c \u1ee9ng d\u1ee5ng m\u1edbi c\u00f3 th\u1ec3 ho\u1ea1t \u0111\u1ed9ng d\u1ec5 d\u00e0ng trong c\u00f9ng m\u1ed9t m\u00f4i tr\u01b0\u1eddng k\u1ef9 thu\u1eadt s\u1ed1, Ayan Sarkar<\/a>, ph\u00f3 ch\u1ee7 t\u1ecbch v\u00e0 ng\u01b0\u1eddi \u0111\u1ee9ng \u0111\u1ea7u to\u00e0n c\u1ea7u v\u1ec1 b\u1ea3o hi\u1ec3m t\u1ea1i Go-To-Market vi\u1ebft.\nGi\u1ed1ng nh\u01b0 API, microservices c\u1ea3i thi\u1ec7n giao ti\u1ebfp gi\u1eefa c\u00e1c h\u1ec7 th\u1ed1ng m\u00e1y t\u00ednh kh\u00e1c nhau, mang l\u1ea1i tr\u1ea3i nghi\u1ec7m li\u1ec1n m\u1ea1ch cho kh\u00e1ch h\u00e0ng ngay c\u1ea3 khi c\u00e1c h\u1ec7 th\u1ed1ng c\u0169 thu th\u1eadp, ph\u00e2n t\u00edch v\u00e0 l\u01b0u tr\u1eef d\u1eef li\u1ec7u v\u1eabn t\u00e1ch bi\u1ec7t v\u1edbi nhau. <\/p>\n\n

M\u1ed9t c\u00e1ch m\u00e0 c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111ang gi\u1ea3i quy\u1ebft s\u1ef1 c\u1ea1nh tranh ng\u00e0y c\u00e0ng t\u0103ng t\u1eeb c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m l\u00e0 x\u00e2y d\u1ef1ng h\u1ec7 sinh th\u00e1i k\u1ef9 thu\u1eadt s\u1ed1 c\u1ee7a ri\u00eang h\u1ecd.\nKhi kh\u00e1ch h\u00e0ng k\u1ebft n\u1ed1i v\u1edbi c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u1ee7a h\u1ecd th\u00f4ng qua h\u1ec7 sinh th\u00e1i k\u1ef9 thu\u1eadt s\u1ed1, h\u1ecd c\u0169ng c\u00f3 quy\u1ec1n truy c\u1eadp v\u00e0o c\u00e1c doanh nghi\u1ec7p li\u00ean quan c\u00f3 th\u1ec3 c\u00f3 li\u00ean quan cao \u0111\u1ebfn h\u1ecd trong th\u1eddi \u0111i\u1ec3m \u0111\u00f3. <\/p>\n\n

V\u00ed d\u1ee5: m\u1ed9t kh\u00e1ch h\u00e0ng t\u00ecm ki\u1ebfm b\u1ea3o hi\u1ec3m ch\u1ee7 nh\u00e0 c\u0169ng c\u00f3 th\u1ec3 k\u1ebft n\u1ed1i v\u1edbi thanh tra nh\u00e0, ng\u01b0\u1eddi l\u1eafp \u0111\u1eb7t b\u00e1o \u0111\u1ed9ng v\u00e0 c\u00e1c chuy\u00ean gia li\u00ean quan kh\u00e1c th\u00f4ng qua h\u1ec7 sinh th\u00e1i k\u1ef9 thu\u1eadt s\u1ed1 c\u1ee7a c\u00f4ng ty b\u1ea3o hi\u1ec3m ch\u1ee7 nh\u00e0 c\u1ee7a h\u1ecd.<\/p>\n\n

X\u00e2y d\u1ef1ng h\u1ec7 sinh th\u00e1i cho ph\u00e9p c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111a d\u1ea1ng h\u00f3a ho\u1ea1t \u0111\u1ed9ng kinh doanh c\u1ee7a ri\u00eang h\u1ecd v\u00e0 cung c\u1ea5p tr\u1ea3i nghi\u1ec7m to\u00e0n di\u1ec7n h\u01a1n, d\u1ec5 s\u1eed d\u1ee5ng h\u01a1n cho kh\u00e1ch h\u00e0ng.\nTuy nhi\u00ean, “n\u00f3 c\u0169ng l\u00e0m cho c\u00f4ng vi\u1ec7c kinh doanh c\u1ee7a h\u1ecd ph\u1ee9c t\u1ea1p h\u01a1n r\u1ea5t nhi\u1ec1u”, Michael Douglas<\/a> vi\u1ebft t\u1ea1i n\u1ec1n t\u1ea3ng \u1ee9ng d\u1ee5ng OutSystems.\nCh\u00fa \u00fd \u0111\u1ebfn k\u1ebft n\u1ed1i li\u1ec1n m\u1ea1ch cho kh\u00e1ch h\u00e0ng, \u0111\u1ea1i l\u00fd, nh\u00e0 m\u00f4i gi\u1edbi v\u00e0 \u0111\u1ed1i t\u00e1c h\u1ec7 sinh th\u00e1i l\u00e0 \u0111i\u1ec1u c\u1ea7n thi\u1ebft cho s\u1ef1 th\u00e0nh c\u00f4ng c\u1ee7a h\u1ec7 sinh th\u00e1i. <\/p>\n\n

Khi c\u00e1c ph\u01b0\u01a1ng ph\u00e1p ti\u1ebfp c\u1eadn \u01b0u ti\u00ean k\u1ef9 thu\u1eadt s\u1ed1 ti\u1ebfp t\u1ee5c tr\u1edf th\u00e0nh ti\u00eau chu\u1ea9n, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m s\u1ebd c\u1ea3m th\u1ea5y \u00e1p l\u1ef1c ng\u00e0y c\u00e0ng t\u0103ng \u0111\u1ec3 c\u1ea3i thi\u1ec7n tr\u1ea3i nghi\u1ec7m k\u1ef9 thu\u1eadt s\u1ed1 m\u00e0 h\u1ecd cung c\u1ea5p cho kh\u00e1ch h\u00e0ng.\n“C\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m kh\u00f4ng c\u00f3 l\u1ef1a ch\u1ecdn n\u00e0o kh\u00e1c ngo\u00e0i vi\u1ec7c n\u00e2ng c\u1ea5p tr\u1ea3i nghi\u1ec7m k\u1ef9 thu\u1eadt s\u1ed1 tr\u00ean b\u1ed1n kh\u00eda c\u1ea1nh: lo\u1ea1i b\u1ecf kh\u1ed1i l\u01b0\u1ee3ng x\u1ea5u v\u00e0 c\u00f3 th\u1ec3 tr\u00e1nh \u0111\u01b0\u1ee3c, gi\u00fap kh\u00e1ch h\u00e0ng ki\u1ec3m so\u00e1t th\u00f4ng qua c\u00e1c c\u00f4ng c\u1ee5 t\u1ef1 ph\u1ee5c v\u1ee5 t\u1ed1t h\u01a1n, gi\u1ea3m chi ph\u00ed \u0111\u01a1n v\u1ecb v\u00e0 s\u1ed1 h\u00f3a doanh s\u1ed1”, Henrik Naujoks<\/a> v\u00e0 c\u00e1c \u0111\u1ed1i t\u00e1c \u0111\u1ed3ng nghi\u1ec7p t\u1ea1i Bain &Company vi\u1ebft. <\/p>\n\n

“B\u00ecnh th\u01b0\u1eddng m\u1edbi l\u00e0 truy c\u1eadp k\u1ef9 thu\u1eadt s\u1ed1”, Sarkar l\u01b0u \u00fd.\nB\u1eb1ng c\u00e1ch hi\u1ec3u \u0111\u01b0\u1ee3c k\u1ef3 v\u1ecdng c\u1ee7a kh\u00e1ch h\u00e0ng, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 \u0111\u1eb7t m\u1ee5c ti\u00eau \u0111\u1ec3 \u0111\u00e1p \u1ee9ng nh\u1eefng k\u1ef3 v\u1ecdng \u0111\u00f3 v\u00e0 s\u1eafp x\u1ebfp ngu\u1ed3n l\u1ef1c c\u1ee7a h\u1ecd cho ph\u00f9 h\u1ee3p. <\/p>\n\n

H\u00ecnh \u1ea3nh b\u1edfi: ismagilov\/\u00a9123RF.com, stokkete\/\u00a9123RF.com, fizkes\/\u00a9123RF.com<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

K\u1ef3 v\u1ecdng c\u1ee7a kh\u00e1ch h\u00e0ng v\u1ec1 mua s\u1eafm \u0111\u00e3 thay \u0111\u1ed5i. V\u1edbi s\u1ef1 gia t\u0103ng c\u1ee7a c\u00e1c nh\u00e0 b\u00e1n l\u1ebb tr\u1ef1c tuy\u1ebfn, kh\u00e1ch h\u00e0ng \u0111\u00e3 quen v\u1edbi vi\u1ec7c nghi\u00ean c\u1ee9u, so s\u00e1nh v\u00e0 mua c\u00e1c s\u1ea3n ph\u1ea9m v\u00e0 d\u1ecbch v\u1ee5 thi\u1ebft y\u1ebfu tr\u1ef1c tuy\u1ebfn. Ng\u00e0y nay, kh\u00e1ch h\u00e0ng mong \u0111\u1ee3i c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m […]<\/p>\n","protected":false},"featured_media":9465,"template":"","insight-category":[],"class_list":["post-19456","insight","type-insight","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight\/19456","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\/9465"}],"wp:attachment":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/media?parent=19456"}],"wp:term":[{"taxonomy":"insight-category","embeddable":true,"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight-category?post=19456"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}