{"id":19915,"date":"2024-09-20T13:28:01","date_gmt":"2024-09-20T18:28:01","guid":{"rendered":"https:\/\/bolttech.io\/insights\/covid-19-dang-thuc-day-su-gia-tang-cua-cac-dai-ly-ky-thuat-so-nhu-the-nao\/"},"modified":"2024-09-20T13:28:03","modified_gmt":"2024-09-20T18:28:03","slug":"covid-19-dang-thuc-day-su-gia-tang-cua-cac-dai-ly-ky-thuat-so-nhu-the-nao","status":"publish","type":"insight","link":"https:\/\/bolttech.io\/vi\/insights\/covid-19-dang-thuc-day-su-gia-tang-cua-cac-dai-ly-ky-thuat-so-nhu-the-nao\/","title":{"rendered":"COVID-19 \u0111ang th\u00fac \u0111\u1ea9y s\u1ef1 gia t\u0103ng c\u1ee7a c\u00e1c \u0111\u1ea1i l\u00fd k\u1ef9 thu\u1eadt s\u1ed1 nh\u01b0 th\u1ebf n\u00e0o"},"content":{"rendered":"\n<p>\u0110\u1ea1i d\u1ecbch COVID-19 \u0111\u00f2i h\u1ecfi nh\u1eefng thay \u0111\u1ed5i s\u00e2u r\u1ed9ng trong c\u00e1ch m\u1ecdi ng\u01b0\u1eddi l\u00e0m vi\u1ec7c v\u00e0 kinh doanh.\nVi\u1ec7c \u0111\u00f3ng c\u1eeda doanh nghi\u1ec7p, l\u1ec7nh t\u1ea1m tr\u00fa t\u1ea1i ch\u1ed7, c\u00e1ch ly giao ti\u1ebfp x\u00e3 h\u1ed9i v\u00e0 c\u00e1c bi\u1ec7n ph\u00e1p kh\u00e1c \u0111\u1ec3 b\u1ea3o v\u1ec7 s\u1ee9c kh\u1ecfe c\u1ed9ng \u0111\u1ed3ng \u0111\u00e3 th\u00fac \u0111\u1ea9y c\u00e1c doanh nghi\u1ec7p v\u00e0 kh\u00e1ch h\u00e0ng c\u00e1 nh\u00e2n tr\u1ef1c tuy\u1ebfn v\u1edbi t\u1ed1c \u0111\u1ed9 ch\u01b0a t\u1eebng c\u00f3. <\/p>\n\n<p>Insurtech v\u00e0 c\u00e1c c\u00f4ng ty chuy\u1ec3n ti\u1ebfp k\u1ef9 thu\u1eadt s\u1ed1 kh\u00e1c \u0111\u00e3 \u0111\u1ea1t \u0111\u01b0\u1ee3c l\u1ee3i \u00edch s\u1edbm khi kh\u00e1ch h\u00e0ng b\u1ea3o hi\u1ec3m \u0111\u1ed5 x\u00f4 tr\u1ef1c tuy\u1ebfn.\nM\u1eb7c d\u00f9 c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u01b0\u01a1ng nhi\u1ec7m \u0111\u00e3 b\u1ecb t\u1ee5t l\u1ea1i ph\u00eda sau trong nh\u1eefng th\u00e1ng \u0111\u1ea7u c\u1ee7a \u0111\u1ea1i d\u1ecbch, m\u1ea1ng l\u01b0\u1edbi quan h\u1ec7 \u0111\u1ea1i l\u00fd v\u00e0 m\u00f4i gi\u1edbi c\u1ee7a h\u1ecd c\u00f3 th\u1ec3 mang l\u1ea1i l\u1ee3i th\u1ebf ti\u1ec1m \u1ea9n khi c\u00e1c \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m k\u1ef9 thu\u1eadt s\u1ed1 c\u0169ng tr\u1edf n\u00ean ph\u1ed5 bi\u1ebfn h\u01a1n. <\/p>\n\n<h2 class=\"wp-block-heading\">COVID-19 v\u00e0 nhu c\u1ea7u c\u1ee7a kh\u00e1ch h\u00e0ng v\u1ec1 ti\u1ebfp c\u1eadn k\u1ef9 thu\u1eadt s\u1ed1 v\u1edbi b\u1ea3o hi\u1ec3m<\/h2>\n\n<p>\u0110\u1ea1i d\u1ecbch COVID-19 \u0111\u00e3 nhanh ch\u00f3ng \u0111\u1ea9y nhanh t\u1ed1c \u0111\u1ed9 chuy\u1ec3n \u0111\u1ed5i k\u1ef9 thu\u1eadt s\u1ed1 cho b\u1ea3o hi\u1ec3m.\nTheo kh\u1ea3o s\u00e1t c\u1ee7a Bain &amp; Company, vi\u1ec7c \u00e1p d\u1ee5ng k\u1ef9 thu\u1eadt s\u1ed1 trong b\u1ea3o hi\u1ec3m \u0111\u00e3 t\u0103ng 20% tr\u00ean to\u00e0n c\u1ea7u trong kho\u1ea3ng th\u1eddi gian t\u1eeb th\u00e1ng 9\/2019 \u0111\u1ebfn th\u00e1ng 9\/2020.\n\u0110\u00f3 l\u00e0 g\u1ea7n g\u1ea5p b\u1ed1n l\u1ea7n t\u1ed1c \u0111\u1ed9 t\u0103ng tr\u01b0\u1edfng k\u00e9p h\u00e0ng n\u0103m t\u1eeb n\u0103m 2016 \u0111\u1ebfn 2019, <a href=\"https:\/\/www.bain.com\/insights\/a-digital-reckoning-for-insurance-companies\/\" target=\"_blank\" rel=\"noreferrer noopener\">Henrik Naujoks<\/a> v\u00e0 c\u00e1c nh\u00e0 nghi\u00ean c\u1ee9u \u0111\u1ed3ng nghi\u1ec7p t\u1ea1i Bain vi\u1ebft.  <\/p>\n\n<p>&#8220;D\u1eef li\u1ec7u g\u1ea7n \u0111\u00e2y cho th\u1ea5y r\u1eb1ng ch\u00fang t\u00f4i \u0111\u00e3 v\u01b0\u1ee3t qua n\u0103m n\u0103m trong vi\u1ec7c \u00e1p d\u1ee5ng k\u1ef9 thu\u1eadt s\u1ed1 c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng v\u00e0 doanh nghi\u1ec7p trong kho\u1ea3ng t\u00e1m tu\u1ea7n,&#8221; <a href=\"https:\/\/www.mckinsey.com\/business-functions\/mckinsey-digital\/our-insights\/the-covid-19-recovery-will-be-digital-a-plan-for-the-first-90-days\" target=\"_blank\" rel=\"noreferrer noopener\">Aamer Baig<\/a>, et al. vi\u1ebft t\u1ea1i McKinsey.<\/p>\n\n<p>C\u00e1c \u0111\u1ea1i l\u00fd v\u00e0 nh\u00e0 m\u00f4i gi\u1edbi b\u1ea3o hi\u1ec3m, v\u1ed1n \u0111\u00e3 ph\u1ea3i v\u1eadt l\u1ed9n \u0111\u1ec3 duy tr\u00ec th\u1ecb ph\u1ea7n c\u1ee7a h\u1ecd, \u0111\u00e3 b\u1ecb gi\u00e1ng m\u1ed9t \u0111\u00f2n m\u1ea1nh trong nh\u1eefng tu\u1ea7n \u0111\u1ea7u ti\u00ean c\u1ee7a \u0111\u1ea1i d\u1ecbch.\nTuy nhi\u00ean, h\u1ecd c\u00f3 th\u1ec3 \u0111\u00f3ng m\u1ed9t vai tr\u00f2 quan tr\u1ecdng trong vi\u1ec7c x\u00e2y d\u1ef1ng m\u1ed1i quan h\u1ec7 kh\u00e1ch h\u00e0ng m\u1ea1nh m\u1ebd h\u01a1n trong b\u1ea3o hi\u1ec3m khi \u0111\u1ea1i d\u1ecbch ti\u1ebfp t\u1ee5c v\u00e0 cu\u1ed1i c\u00f9ng qua \u0111i. <\/p>\n\n<p>\u0110\u1ec3 b\u1ea3o v\u1ec7 kh\u1ea3 n\u0103ng gia t\u0103ng gi\u00e1 tr\u1ecb c\u1ee7a ch\u00ednh h\u1ecd v\u00e0 nu\u00f4i d\u01b0\u1ee1ng c\u00e1c m\u1ed1i quan h\u1ec7, c\u00e1c \u0111\u1ea1i l\u00fd v\u00e0 nh\u00e0 m\u00f4i gi\u1edbi s\u1ebd c\u1ea7n t\u1eadp trung v\u00e0o c\u00e1c c\u00f4ng c\u1ee5 v\u00e0 kh\u1ea3 n\u0103ng k\u1ef9 thu\u1eadt s\u1ed1 c\u1ee7a ri\u00eang h\u1ecd.\nB\u1eb1ng c\u00e1ch \u0111\u00f3, h\u1ecd s\u1ebd c\u00f3 th\u1ec3 gi\u1ea3m chi ph\u00ed b\u1eb1ng c\u00e1ch t\u1ef1 \u0111\u1ed9ng h\u00f3a c\u00e1c nhi\u1ec7m v\u1ee5 l\u1eb7p \u0111i l\u1eb7p l\u1ea1i v\u00e0 h\u1ee3p l\u00fd h\u00f3a quy tr\u00ecnh b\u1ea3o hi\u1ec3m cho kh\u00e1ch h\u00e0ng. <\/p>\n\n<p>V\u00ed d\u1ee5: kh\u00e1ch h\u00e0ng mong \u0111\u1ee3i c\u00e1c \u0111\u1ea1i l\u00fd v\u00e0 nh\u00e0 m\u00f4i gi\u1edbi c\u1ee7a h\u1ecd c\u00f3 quy\u1ec1n truy c\u1eadp v\u00e0o nhi\u1ec1u th\u00f4ng tin h\u01a1n h\u1ecd c\u00f3 v\u00e0 c\u00f3 th\u1ec3 truy c\u1eadp th\u00f4ng tin \u0111\u00f3 d\u1ec5 d\u00e0ng nh\u01b0 kh\u00e1ch h\u00e0ng c\u00f3 th\u1ec3 tr\u00ean \u0111i\u1ec7n tho\u1ea1i ho\u1eb7c m\u00e1y t\u00ednh x\u00e1ch tay c\u1ee7a h\u1ecd.\nKhi c\u00e1c \u0111\u1ea1i l\u00fd v\u00e0 m\u00f4i gi\u1edbi \u0111\u00e1p \u1ee9ng \u0111\u01b0\u1ee3c k\u1ef3 v\u1ecdng n\u00e0y, kh\u00e1ch h\u00e0ng c\u1ea3m th\u1ea5y y\u00ean t\u00e2m r\u1eb1ng h\u1ecd \u0111\u00e3 ch\u1ecdn \u0111\u00fang trung gian \u0111\u1ec3 gi\u00fap h\u1ecd \u0111\u00e1p \u1ee9ng nhu c\u1ea7u b\u1ea3o hi\u1ec3m.\nH\u1ecd c\u0169ng \u0111\u01b0\u1ee3c h\u01b0\u1edfng l\u1ee3i t\u1eeb tr\u1ea3i nghi\u1ec7m b\u1ea3o hi\u1ec3m nhanh h\u01a1n, \u0111\u01b0\u1ee3c c\u00e1 nh\u00e2n h\u00f3a h\u01a1n.  <\/p>\n\n<p>&#8220;M\u1ed9t b\u00e0i h\u1ecdc l\u1edbn m\u00e0 COVID-19 \u0111\u00e3 d\u1ea1y cho ng\u00e0nh c\u00f4ng nghi\u1ec7p c\u1ee7a ch\u00fang t\u00f4i: C\u00e1c \u0111\u1ea1i l\u00fd \u0111\u1ed9c l\u1eadp s\u1ebd ph\u1ea3i thay \u0111\u1ed5i c\u00e1ch h\u1ecd kinh doanh,&#8221; Eric White, EVP ph\u00e2n ph\u1ed1i t\u1ea1i <a href=\"https:\/\/www.superioraccess.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">Superior Access<\/a> cho bi\u1ebft.\n&#8220;C\u00f3 quy\u1ec1n truy c\u1eadp v\u00e0o c\u00e1c c\u00f4ng c\u1ee5 k\u1ef9 thu\u1eadt s\u1ed1 ph\u00f9 h\u1ee3p l\u00e0 r\u1ea5t quan tr\u1ecdng trong m\u00f4i tr\u01b0\u1eddng ng\u00e0y nay.&#8221; <\/p>\n\n<figure class=\"wp-block-image aligncenter size-large\"><img decoding=\"async\" src=\"https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/couple-meeting-insurance-agent-1024x682.jpg\" alt=\"\" class=\"wp-image-9107\"\/><\/figure>\n\n<h2 class=\"wp-block-heading\">Trang b\u1ecb cho c\u00e1c \u0111\u1ea1i l\u00fd v\u00e0 nh\u00e0 m\u00f4i gi\u1edbi \u0111\u1ec3 cung c\u1ea5p tr\u1ea3i nghi\u1ec7m li\u1ec1n m\u1ea1ch<\/h2>\n\n<p>Trong nh\u1eefng th\u00e1ng \u0111\u1ea7u c\u1ee7a \u0111\u1ea1i d\u1ecbch, vi\u1ec7c s\u1eed d\u1ee5ng c\u00e1c c\u00f4ng c\u1ee5 k\u1ef9 thu\u1eadt s\u1ed1 \u0111\u1ec3 mua b\u1ea3o hi\u1ec3m \u0111\u00e3 t\u0103ng l\u00ean.\nC\u00e1c \u0111\u1ea1i l\u00fd v\u00e0 nh\u00e0 m\u00f4i gi\u1edbi b\u00e1o c\u00e1o th\u1ea5y kh\u1ed1i l\u01b0\u1ee3ng kinh doanh gi\u1ea3m \u0111\u00e1ng k\u1ec3 v\u00e0 cho bi\u1ebft th\u00e1ch th\u1ee9c l\u1edbn nh\u1ea5t c\u1ee7a h\u1ecd l\u00e0 x\u00e2y d\u1ef1ng m\u1ed1i quan h\u1ec7 kh\u00e1ch h\u00e0ng m\u1edbi, c\u00e1c nh\u00e0 nghi\u00ean c\u1ee9u <a href=\"https:\/\/www.mckinsey.com\/industries\/financial-services\/our-insights\/how-insurance-can-prepare-for-the-next-distribution-model#\" target=\"_blank\" rel=\"noreferrer noopener\">Simon Kaesler, Matt Leo, Shannon Varney v\u00e0 Kaitlyn Young<\/a> c\u1ee7a McKinsey vi\u1ebft. <\/p>\n\n<p>Tuy nhi\u00ean, nghi\u00ean c\u1ee9u c\u1ee7a Bain &amp;; Company cho th\u1ea5y ngay c\u1ea3 trong \u0111\u1ea1i d\u1ecbch, kh\u00e1ch h\u00e0ng v\u1eabn d\u1ef1a v\u00e0o c\u00e1c k\u00eanh ngo\u1ea1i tuy\u1ebfn \u0111\u1ec3 t\u00ecm hi\u1ec3u v\u1ec1 c\u00e1c l\u1ef1a ch\u1ecdn b\u1ea3o hi\u1ec3m v\u00e0 mua b\u1ea3o hi\u1ec3m.\nGiai \u0111o\u1ea1n nghi\u00ean c\u1ee9u tr\u01b0\u1edbc khi mua h\u00e0ng l\u00e0 m\u1ed9t trong nh\u1eefng \u0111i\u1ec3m ph\u1ed5 bi\u1ebfn nh\u1ea5t m\u00e0 kh\u00e1ch h\u00e0ng mu\u1ed1n n\u00f3i chuy\u1ec7n v\u1edbi m\u1ed9t chuy\u00ean gia am hi\u1ec3u. <\/p>\n\n<h3 class=\"wp-block-heading\">H\u00ecnh dung l\u1ea1i m\u1ed1i quan h\u1ec7 gi\u1eefa \u0111\u1ea1i l\u00fd v\u00e0 nh\u00e0 m\u00f4i gi\u1edbi<\/h3>\n\n<p>C\u00e1c \u0111\u1ea1i l\u00fd v\u00e0 nh\u00e0 m\u00f4i gi\u1edbi t\u1eeb l\u00e2u \u0111\u00e3 \u0111\u00f3ng vai tr\u00f2 trung gian gi\u1eefa kh\u00e1ch h\u00e0ng b\u1ea3o hi\u1ec3m v\u00e0 c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m.\nNh\u01b0 v\u1eady, h\u1ecd \u0111\u00e3 \u0111\u1ed9i nhi\u1ec1u m\u0169, t\u1eeb nh\u00e0 gi\u00e1o d\u1ee5c \u0111\u1ebfn li\u00ean l\u1ea1c vi\u00ean \u0111\u1ebfn ng\u01b0\u1eddi ph\u1ea3n h\u1ed3i \u0111\u1ea7u ti\u00ean khi c\u1ea7n n\u1ed9p \u0111\u01a1n khi\u1ebfu n\u1ea1i. <\/p>\n\n<p>Tuy nhi\u00ean, khi chuy\u1ec3n \u0111\u1ed5i k\u1ef9 thu\u1eadt s\u1ed1 \u0111\u00e3 t\u0103ng l\u00ean ph\u00eda tr\u01b0\u1edbc cho c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m, c\u00e1c \u0111\u1ea1i l\u00fd v\u00e0 nh\u00e0 m\u00f4i gi\u1edbi \u0111\u00e3 b\u1ecb b\u1ecf l\u1ea1i ph\u00eda sau.<\/p>\n\n<p>&#8220;Vi\u1ec7c \u00e1p d\u1ee5ng c\u00e1c c\u00f4ng c\u1ee5 k\u1ef9 thu\u1eadt s\u1ed1 cho kh\u00e1ch h\u00e0ng c\u1ee7a c\u00e1c nh\u00e0 m\u00f4i gi\u1edbi \u0111\u1ed9c l\u1eadp v\u1eabn c\u00f2n th\u1ea5p \u1edf h\u1ea7u h\u1ebft c\u00e1c qu\u1ed1c gia&#8221;, Naujoks, et al. t\u1ea1i Bain &amp;; Company vi\u1ebft, v\u1edbi ch\u1ec9 kho\u1ea3ng m\u1ed9t ph\u1ea7n n\u0103m c\u00e1c nh\u00e0 m\u00f4i gi\u1edbi \u1edf M\u1ef9, Anh v\u00e0 Canada cung c\u1ea5p b\u1ea5t k\u1ef3 lo\u1ea1i truy c\u1eadp di \u0111\u1ed9ng n\u00e0o cho kh\u00e1ch h\u00e0ng.\n\u0110\u1ed3ng th\u1eddi, c\u00e1c \u0111\u1ea1i l\u00fd \u0111ang \u00e1p d\u1ee5ng c\u00f4ng ngh\u1ec7 cho ph\u00e9p h\u1ecd giao ti\u1ebfp hi\u1ec7u qu\u1ea3 h\u01a1n v\u1edbi kh\u00e1ch h\u00e0ng, ch\u1ec9 \u0111\u1ec3 th\u1ea5y r\u1eb1ng giao ti\u1ebfp theo h\u01b0\u1edbng kh\u00e1c &#8211; v\u1edbi c\u00f4ng ty b\u1ea3o hi\u1ec3m &#8211; l\u00e0 v\u1ee5ng v\u1ec1 ho\u1eb7c th\u1eadm ch\u00ed kh\u00f4ng th\u1ec3 th\u1ef1c hi\u1ec7n \u0111\u01b0\u1ee3c trong m\u00f4i tr\u01b0\u1eddng k\u1ef9 thu\u1eadt s\u1ed1, <a href=\"https:\/\/www.insurancejournal.com\/magazines\/mag-features\/2019\/11\/18\/548695.htm\" target=\"_blank\" rel=\"noreferrer noopener\">Laird Rixford<\/a>, Gi\u00e1m \u0111\u1ed1c \u0111i\u1ec1u h\u00e0nh t\u1ea1i T\u1eadp \u0111o\u00e0n C\u00f4ng ngh\u1ec7 B\u1ea3o hi\u1ec3m vi\u1ebft. <\/p>\n\n<h3 class=\"wp-block-heading\">Ch\u00fang ta c\u00f3 th\u1ec3 x\u00e2y d\u1ef1ng l\u1ea1i ch\u00fang: H\u01b0\u1edbng t\u1edbi m\u1ed9t t\u01b0\u01a1ng lai \u0111\u1ea1i l\u00fd \/ nh\u00e0 m\u00f4i gi\u1edbi k\u1ef9 thu\u1eadt s\u1ed1<\/h3>\n\n<p>\u0110\u1ec3 gi\u00fap c\u00e1c \u0111\u1ea1i l\u00fd v\u00e0 nh\u00e0 m\u00f4i gi\u1edbi k\u1ebft n\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng m\u1edbi v\u00e0 x\u00e2y d\u1ef1ng m\u1ed1i quan h\u1ec7 b\u1ec1n ch\u1eb7t, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m ph\u1ea3i t\u1eadn d\u1ee5ng c\u00f4ng ngh\u1ec7 \u0111\u1ec3 t\u1ea1o ra tr\u1ea3i nghi\u1ec7m li\u1ec1n m\u1ea1ch.<\/p>\n\n<p>C\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 \u0111i\u1ec3m trung th\u00e0nh c\u1ee7a kh\u00e1ch h\u00e0ng t\u1ed1t nh\u1ea5t &#8220;\u0111\u00e3 \u0111\u1ea1t \u0111\u01b0\u1ee3c nhi\u1ec1u ti\u1ebfn b\u1ed9 h\u01a1n trong vi\u1ec7c cung c\u1ea5p tr\u1ea3i nghi\u1ec7m k\u1ef9 thu\u1eadt s\u1ed1 \u0111\u01b0\u1ee3c x\u00e2y d\u1ef1ng tr\u00ean s\u1ef1 \u0111\u01a1n gi\u1ea3n v\u00e0 ti\u1ec7n l\u1ee3i&#8221;, <a href=\"https:\/\/www.bain.com\/insights\/insurers-now-need-bigger-bolder-digital-moves\/\" target=\"_blank\" rel=\"noreferrer noopener\">M\u00e1rio Conde, Andrew Schwedel v\u00e0 Tanja Brettel<\/a> t\u1ea1i Bain &amp;; Company vi\u1ebft.\nH\u1ecd \u0111\u00e3 th\u1ef1c hi\u1ec7n c\u00e1c b\u01b0\u1edbc \u0111\u1ea7u ti\u00ean \u0111\u1ec3 x\u00e2y d\u1ef1ng c\u00e1c t\u00f9y ch\u1ecdn k\u1ef9 thu\u1eadt s\u1ed1, gi\u00fap h\u1ecd d\u1ec5 d\u00e0ng xoay v\u00f2ng c\u00e1c c\u00f4ng c\u1ee5 n\u00e0y ho\u1eb7c c\u00e1c c\u00f4ng c\u1ee5 t\u01b0\u01a1ng t\u1ef1 \u0111\u1ec3 s\u1eed d\u1ee5ng cho \u0111\u1ea1i l\u00fd v\u00e0 nh\u00e0 m\u00f4i gi\u1edbi thay v\u00ec b\u00e1n b\u1ea3o hi\u1ec3m tr\u1ef1c ti\u1ebfp cho kh\u00e1ch h\u00e0ng. <\/p>\n\n<p>C\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u01b0\u01a1ng nhi\u1ec7m v\u1edbi c\u01a1 s\u1edf h\u1ea1 t\u1ea7ng k\u1ef9 thu\u1eadt s\u1ed1 t\u1ed1t th\u01b0\u1eddng c\u00f3 th\u1ec3 gi\u00fap c\u00e1c \u0111\u1ea1i l\u00fd t\u0103ng t\u1ed1c nhanh ch\u00f3ng, s\u1eed d\u1ee5ng c\u00f4ng ngh\u1ec7 m\u00e0 c\u00e1c nh\u00e0 m\u00f4i gi\u1edbi c\u0169ng c\u00f3 th\u1ec3 h\u01b0\u1edfng l\u1ee3i.\nTh\u00f4ng th\u01b0\u1eddng, h\u1ecd l\u00e0m nh\u01b0 v\u1eady b\u1eb1ng c\u00e1ch tri\u1ec3n khai c\u00f4ng ngh\u1ec7 m\u00e0 h\u1ecd \u0111\u00e3 ph\u00e1t tri\u1ec3n ho\u1eb7c tri\u1ec3n khai. <\/p>\n\n<figure class=\"wp-block-image aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"682\" src=\"https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/woman-on-phone-1024x682.jpg\" alt=\"\" class=\"wp-image-9097\" srcset=\"https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/woman-on-phone-1024x682.jpg 1024w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/woman-on-phone-300x200.jpg 300w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/woman-on-phone-768x512.jpg 768w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/woman-on-phone.jpg 1280w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n<h2 class=\"wp-block-heading\">Suy ngh\u0129 l\u1ea1i v\u1ec1 ph\u00e2n ph\u1ed1i sau \u0111\u1ea1i d\u1ecbch<\/h2>\n\n<p>C\u00e1c \u0111\u1ea1i l\u00fd v\u00e0 nh\u00e0 m\u00f4i gi\u1edbi k\u1ef9 thu\u1eadt s\u1ed1 \u0111\u01b0\u1ee3c h\u01b0\u1edfng l\u1ee3i t\u1eeb vi\u1ec7c \u00e1p d\u1ee5ng c\u00e1c c\u00f4ng c\u1ee5 k\u1ef9 thu\u1eadt s\u1ed1 trong doanh nghi\u1ec7p c\u1ee7a h\u1ecd theo m\u1ed9t s\u1ed1 c\u00e1ch.\nCh\u00fang bao g\u1ed3m t\u1ef1 \u0111\u1ed9ng h\u00f3a c\u00e1c nhi\u1ec7m v\u1ee5 kinh doanh v\u00e0 k\u1ebft n\u1ed1i v\u1edbi c\u1ea3 kh\u00e1ch h\u00e0ng v\u00e0 c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u1ec3 n\u00e2ng cao hi\u1ec7u qu\u1ea3, x\u00e2y d\u1ef1ng m\u1ed1i quan h\u1ec7 m\u1ea1nh m\u1ebd h\u01a1n v\u00e0 c\u1ea3i thi\u1ec7n tr\u1ea3i nghi\u1ec7m c\u1ee7a kh\u00e1ch h\u00e0ng, <a href=\"https:\/\/www.agencynation.com\/the-digital-age-of-insurance-5-reasons-to-become-a-digital-agent\/\" target=\"_blank\" rel=\"noreferrer noopener\">Stacy Stevens<\/a> vi\u1ebft t\u1ea1i Agency Nation. <\/p>\n\n<p>Tuy nhi\u00ean, nh\u01b0 v\u1edbi b\u1ea5t k\u1ef3 tri\u1ec3n khai k\u1ef9 thu\u1eadt s\u1ed1 n\u00e0o, c\u00e1c c\u00f4ng c\u1ee5 m\u00e0 c\u00e1c \u0111\u1ea1i l\u00fd, nh\u00e0 m\u00f4i gi\u1edbi v\u00e0 c\u00f4ng ty b\u1ea3o hi\u1ec3m s\u1eed d\u1ee5ng l\u00e0 m\u1ed9t ph\u01b0\u01a1ng ti\u1ec7n \u0111\u1ec3 k\u1ebft th\u00fac.\nKhi \u0111\u1ea1i d\u1ecbch COVID-19 ti\u1ebfp t\u1ee5c v\u00e0 cu\u1ed1i c\u00f9ng qua \u0111i, nh\u1eefng thay \u0111\u1ed5i quan tr\u1ecdng trong th\u00e1i \u0111\u1ed9, th\u00f3i quen v\u00e0 k\u1ef3 v\u1ecdng c\u1ee7a kh\u00e1ch h\u00e0ng s\u1ebd ti\u1ebfp t\u1ee5c \u0111\u1ecbnh h\u00ecnh m\u1ed1i quan h\u1ec7 c\u1ee7a h\u1ecd v\u1edbi m\u1ecdi ng\u01b0\u1eddi ch\u01a1i trong qu\u00e1 tr\u00ecnh ph\u00e2n ph\u1ed1i b\u1ea3o hi\u1ec3m. <\/p>\n\n<p>M\u1ed9t s\u1ed1 thay \u0111\u1ed5i n\u00e0y \u0111\u00e3 r\u00f5 r\u00e0ng.\nCh\u1eb3ng h\u1ea1n, trong m\u1ed9t cu\u1ed9c kh\u1ea3o s\u00e1t, 27% s\u1ed1 ng\u01b0\u1eddi \u0111\u01b0\u1ee3c h\u1ecfi cho bi\u1ebft h\u1ecd c\u1ea3m th\u1ea5y lo l\u1eafng v\u00e0 cho\u00e1ng ng\u1ee3p v\u1ec1 t\u00ecnh h\u00ecnh t\u00e0i ch\u00ednh li\u00ean quan \u0111\u1ebfn \u0111\u1ea1i d\u1ecbch c\u1ee7a h\u1ecd.\nNh\u1eefng ng\u01b0\u1eddi \u0111\u00e3 mua b\u1ea3o hi\u1ec3m trong th\u1eddi gian n\u00e0y \u0111\u00e1nh gi\u00e1 cao m\u1ed9t quy tr\u00ecnh nhanh ch\u00f3ng v\u00e0 \u0111\u01a1n gi\u1ea3n h\u01a1n l\u00e0 ti\u1ebft ki\u1ec7m chi ph\u00ed, v\u00e0 th\u00edch kh\u1ea3 n\u0103ng x\u1eed l\u00fd c\u00e1c ch\u00ednh s\u00e1ch v\u00e0 y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng tr\u1ef1c tuy\u1ebfn, <a href=\"https:\/\/home.kpmg\/xx\/en\/home\/insights\/2020\/05\/covid-19-customer-and-digitization-in-insurance.html\" target=\"_blank\" rel=\"noreferrer noopener\">Graham Boffey<\/a> v\u00e0 nh\u1eefng ng\u01b0\u1eddi \u0111\u00f3ng g\u00f3p \u0111\u1ed3ng nghi\u1ec7p t\u1ea1i KPMG vi\u1ebft.  <\/p>\n\n<p>Nh\u01b0 Gi\u00e1m \u0111\u1ed1c \u0111i\u1ec1u h\u00e0nh Vi\u1ec7n nghi\u00ean c\u1ee9u Raztech <a href=\"https:\/\/www.forbes.com\/sites\/rahulrazdan\/2020\/04\/03\/covid-19-the-digital-economy-change-agent-\/#19d88fa51bf9\" target=\"_blank\" rel=\"noreferrer noopener\">Rahul Razdan<\/a> l\u01b0u \u00fd trong m\u1ed9t b\u00e0i b\u00e1o c\u1ee7a Forbes, vi\u1ec7c chuy\u1ec3n nhi\u1ec1u ho\u1ea1t \u0111\u1ed9ng h\u00e0ng ng\u00e0y sang k\u1ef9 thu\u1eadt s\u1ed1 cho th\u1ea5y h\u00e0ng tri\u1ec7u ng\u01b0\u1eddi r\u1eb1ng c\u00e1c l\u1ef1a ch\u1ecdn thay th\u1ebf cho c\u00e1c ph\u01b0\u01a1ng ph\u00e1p \u0111\u01b0\u1ee3c thi\u1ebft l\u1eadp tr\u01b0\u1edbc \u0111\u00e2y l\u00e0 c\u00f3 th\u1ec3.\nM\u1ecdi ng\u01b0\u1eddi ph\u00e1t hi\u1ec7n ra c\u00f3 nhi\u1ec1u c\u00e1ch kh\u00e1c nhau \u0111\u1ec3 l\u00e0m m\u1ecdi th\u1ee9, t\u1eeb \u0111i h\u1ecdc \u0111\u1ebfn mua b\u1ea3o hi\u1ec3m. <\/p>\n\n<p>Ngay c\u1ea3 khi \u0111\u1ea1i d\u1ecbch c\u00f3 th\u1ec3 ki\u1ec3m so\u00e1t \u0111\u01b0\u1ee3c, th\u1ef1c t\u1ebf l\u00e0 c\u00e1c l\u1ef1a ch\u1ecdn thay th\u1ebf t\u1ed3n t\u1ea1i s\u1ebd c\u00f3 ngh\u0129a l\u00e0 kh\u00e1ch h\u00e0ng s\u1ebd ti\u1ebfp t\u1ee5c l\u1ef1a ch\u1ecdn.\nH\u01a1n n\u1eefa, kh\u00e1ch h\u00e0ng s\u1ebd mong \u0111\u1ee3i nh\u1eefng l\u1ef1a ch\u1ecdn nh\u01b0 v\u1eady trong g\u1ea7n nh\u01b0 t\u1ea5t c\u1ea3 c\u00e1c ho\u1ea1t \u0111\u1ed9ng h\u00e0ng ng\u00e0y c\u1ee7a h\u1ecd.\nC\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m th\u1ef1c hi\u1ec7n c\u1ea3 mua b\u1ea3o hi\u1ec3m tr\u1ef1c ti\u1ebfp v\u00e0 m\u1ed1i quan h\u1ec7 \u0111\u1ea1i l\u00fd ho\u1eb7c m\u00f4i gi\u1edbi hi\u1ec7u qu\u1ea3 nh\u01b0 nhau cho kh\u00e1ch h\u00e0ng s\u1ebd tham gia v\u00e0 gi\u1eef c\u01a1 s\u1edf kh\u00e1ch h\u00e0ng c\u1ee7a h\u1ecd, b\u1ea5t k\u1ec3 m\u1ed7i kh\u00e1ch h\u00e0ng ch\u1ecdn t\u00f9y ch\u1ecdn n\u00e0o cho b\u1ea5t k\u1ef3 t\u01b0\u01a1ng t\u00e1c nh\u1ea5t \u0111\u1ecbnh n\u00e0o.  <\/p>\n\n<p>L\u00fac \u0111\u1ea7u, c\u00f3 v\u1ebb nh\u01b0 c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m, c\u00e1c c\u00f4ng ty v\u00e0 s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m k\u1ef9 thu\u1eadt s\u1ed1 \u0111\u1ea7u ti\u00ean v\u00e0 k\u1ef9 thu\u1eadt s\u1ed1 s\u1ebd \u0111\u01b0\u1ee3c h\u01b0\u1edfng l\u1ee3i nhi\u1ec1u nh\u1ea5t t\u1eeb nh\u1eefng thay \u0111\u1ed5i li\u00ean quan \u0111\u1ebfn \u0111\u1ea1i d\u1ecbch n\u00e0y \u0111\u1ed1i v\u1edbi cu\u1ed9c s\u1ed1ng h\u00e0ng ng\u00e0y.\nTuy nhi\u00ean, khi c\u00e1c \u0111\u1ea1i l\u00fd v\u00e0 nh\u00e0 m\u00f4i gi\u1edbi n\u1eafm b\u1eaft c\u00e1c ph\u01b0\u01a1ng ti\u1ec7n k\u1ef9 thu\u1eadt s\u1ed1 \u0111\u1ec3 th\u1ef1c hi\u1ec7n c\u00f4ng vi\u1ec7c c\u1ee7a h\u1ecd, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u01b0\u01a1ng nhi\u1ec7m \u0111\u00e3 s\u1eb5n s\u00e0ng n\u1eafm l\u1ea5y m\u00f4i tr\u01b0\u1eddng k\u1ef9 thu\u1eadt s\u1ed1 v\u00ec l\u1ee3i \u00edch c\u1ee7a doanh nghi\u1ec7p v\u00e0 kh\u00e1ch h\u00e0ng c\u1ee7a h\u1ecd. <\/p>\n\n<p><em>\u1ea2nh: Andriy Popov\/\u00a9123RF.com, Olga Yastremska\/\u00a9123RF.com, milkos\/\u00a9123RF.com<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u0110\u1ea1i d\u1ecbch COVID-19 \u0111\u00f2i h\u1ecfi nh\u1eefng thay \u0111\u1ed5i s\u00e2u r\u1ed9ng trong c\u00e1ch m\u1ecdi ng\u01b0\u1eddi l\u00e0m vi\u1ec7c v\u00e0 kinh doanh. Vi\u1ec7c \u0111\u00f3ng c\u1eeda doanh nghi\u1ec7p, l\u1ec7nh t\u1ea1m tr\u00fa t\u1ea1i ch\u1ed7, c\u00e1ch ly giao ti\u1ebfp x\u00e3 h\u1ed9i v\u00e0 c\u00e1c bi\u1ec7n ph\u00e1p kh\u00e1c \u0111\u1ec3 b\u1ea3o v\u1ec7 s\u1ee9c kh\u1ecfe c\u1ed9ng \u0111\u1ed3ng \u0111\u00e3 th\u00fac \u0111\u1ea9y c\u00e1c doanh nghi\u1ec7p v\u00e0 kh\u00e1ch [&hellip;]<\/p>\n","protected":false},"featured_media":8541,"template":"","insight-category":[],"class_list":["post-19915","insight","type-insight","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight\/19915","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\/8541"}],"wp:attachment":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/media?parent=19915"}],"wp:term":[{"taxonomy":"insight-category","embeddable":true,"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight-category?post=19915"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}