{"id":19995,"date":"2024-09-20T14:51:52","date_gmt":"2024-09-20T19:51:52","guid":{"rendered":"https:\/\/bolttech.io\/insights\/vai-tro-phat-trien-cua-ai-trong-bao-hiem-thuong-mai\/"},"modified":"2024-09-20T14:51:53","modified_gmt":"2024-09-20T19:51:53","slug":"vai-tro-phat-trien-cua-ai-trong-bao-hiem-thuong-mai","status":"publish","type":"insight","link":"https:\/\/bolttech.io\/vi\/insights\/vai-tro-phat-trien-cua-ai-trong-bao-hiem-thuong-mai\/","title":{"rendered":"Vai tr\u00f2 ph\u00e1t tri\u1ec3n c\u1ee7a AI trong b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng m\u1ea1i"},"content":{"rendered":"\n

Trong v\u00e0i th\u1eadp k\u1ef7 qua, tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o \u0111\u00e3 chuy\u1ec3n t\u1eeb khoa h\u1ecdc vi\u1ec5n t\u01b0\u1edfng sang s\u1eed d\u1ee5ng ph\u1ed5 bi\u1ebfn.\nKh\u00f4ng gi\u1ed1ng nh\u01b0 c\u00e1c ch\u01b0\u01a1ng tr\u00ecnh m\u00e1y t\u00ednh th\u00f4ng th\u01b0\u1eddng, ch\u1ec9 \u0111\u01a1n gi\u1ea3n l\u00e0 th\u1ef1c hi\u1ec7n m\u1ed9t danh s\u00e1ch c\u00e1c h\u01b0\u1edbng d\u1eabn \u0111\u01b0\u1ee3c vi\u1ebft s\u1eb5n, AI c\u00f3 th\u1ec3 th\u00edch \u1ee9ng v\u1edbi th\u00f4ng tin \u0111\u01b0\u1ee3c cung c\u1ea5p cho n\u00f3.\nKh\u1ea3 n\u0103ng n\u00e0y cho ph\u00e9p c\u00e1c l\u1eadp tr\u00ecnh vi\u00ean t\u1ea1o ra ph\u1ea7n m\u1ec1m c\u00f3 th\u1ec3 x\u00e1c \u0111\u1ecbnh c\u00e1c m\u1eabu, ngo\u1ea1i suy d\u1ef1 \u0111o\u00e1n v\u00e0 qu\u1ea3n l\u00fd th\u00f4ng tin nhanh ch\u00f3ng v\u00e0 hi\u1ec7u qu\u1ea3 h\u01a1n. <\/p>\n\n

Kh\u1ea3 n\u0103ng ph\u00e1t hi\u1ec7n c\u00e1c m\u1eabu v\u00e0 g\u1eafn c\u1edd r\u1ee7i ro l\u00e0m cho AI \u0111\u1eb7c bi\u1ec7t c\u00f3 gi\u00e1 tr\u1ecb trong b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng m\u1ea1i.\nC\u1ea3 c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m m\u1edbi v\u00e0 c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c th\u00e0nh l\u1eadp \u0111\u1ec1u \u0111ang n\u1eafm l\u1ea5y tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o cho nh\u1eefng kh\u1ea3 n\u0103ng n\u00e0y. <\/p>\n\n

T\u1ea1i sao l\u1ea1i l\u00e0 AI?<\/h2>\n\n

Trong cu\u1ed1n s\u00e1ch “X\u1eed l\u00fd d\u1ef1a tr\u00ean tri th\u1ee9c kinh t\u1ebf v\u00e0 t\u00e0i ch\u00ednh”, c\u00e1c nh\u00e0 nghi\u00ean c\u1ee9u Louis F. Pau v\u00e0 Claudio Gianotti<\/a> \u0111\u00e3 ki\u1ec3m tra kho\u1ea3ng 250 \u1ee9ng d\u1ee5ng kh\u00e1c nhau c\u1ee7a tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o cho c\u00e1c v\u1ea5n \u0111\u1ec1 trong c\u00e1c ng\u00e0nh c\u00f4ng nghi\u1ec7p kh\u00e1c nhau, bao g\u1ed3m c\u1ea3 b\u1ea3o hi\u1ec3m.\nH\u1ecd ph\u00e1t hi\u1ec7n ra r\u1eb1ng c\u00e1c c\u00f4ng ty \u0111\u01b0\u1ee3c kh\u1ea3o s\u00e1t \u0111\u00e3 chuy\u1ec3n sang AI v\u00ec t\u00ednh h\u1eefu \u00edch c\u1ee7a n\u00f3 trong vi\u1ec7c gi\u1ea3i quy\u1ebft c\u00e1c v\u1ea5n \u0111\u1ec1 ph\u1ee9c t\u1ea1p h\u01a1n c\u00e1c ch\u01b0\u01a1ng tr\u00ecnh truy\u1ec1n th\u1ed1ng, \u0111\u1ec3 cung c\u1ea5p th\u00f4ng tin nhanh h\u01a1n v\u00e0 ch\u00ednh x\u00e1c h\u01a1n v\u00e0 ti\u1ec1m n\u0103ng gi\u1ea3m thi\u1ec3u r\u1ee7i ro. <\/p>\n\n

Ra quy\u1ebft \u0111\u1ecbnh d\u1ef1a tr\u00ean d\u1eef li\u1ec7u t\u1ed1t h\u01a1n<\/h3>\n\n

\u0110\u1ed1i v\u1edbi ng\u00e0nh b\u1ea3o hi\u1ec3m, AI gi\u00fap qu\u1ea3n l\u00fd s\u1ed1 l\u01b0\u1ee3ng d\u1eef li\u1ec7u kh\u1ed5ng l\u1ed3 \u0111\u01b0\u1ee3c t\u1ea1o ra b\u1edfi c\u1ea3 c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u00e0 kh\u00e1ch h\u00e0ng c\u1ee7a h\u1ecd d\u1ec5 d\u00e0ng h\u01a1n.<\/p>\n\n

“B\u1ea3o hi\u1ec3m lu\u00f4n l\u00e0 m\u1ed9t ng\u00e0nh kinh doanh d\u1eef li\u1ec7u “, Ph\u00f3 ch\u1ee7<\/a> t\u1ecbch s\u1ea3n ph\u1ea9m David Lewin n\u00f3i.\n“AI mang \u0111\u1ebfn m\u1ed9t c\u00e1ch m\u1edbi m\u1ebb \u0111\u1ec3 gi\u1ea3i th\u00edch d\u1eef li\u1ec7u v\u00e0 mang l\u1ea1i nh\u1eefng hi\u1ec3u bi\u1ebft c\u00f3 \u00fd ngh\u0129a \u1edf c\u1ea3 c\u1ea5p \u0111\u1ed9 chi\u1ebfn l\u01b0\u1ee3c v\u00e0 giao d\u1ecbch. <\/p>\n\n

“S\u1eed d\u1ee5ng c\u00e1c c\u00f4ng ngh\u1ec7 AI s\u1ebd cho ph\u00e9p c\u00e1c nh\u00e0 b\u1ea3o l\u00e3nh chuy\u1ec3n t\u1eeb vi\u1ec7c ra quy\u1ebft \u0111\u1ecbnh d\u1ef1a tr\u00ean quy t\u1eafc th\u1ee7 c\u00f4ng v\u00e0 tuy\u1ebfn t\u00ednh sang th\u00f4ng tin do m\u00e1y t\u00ednh t\u1ea1o ra ch\u00ednh x\u00e1c h\u01a1n – cu\u1ed1i c\u00f9ng cho ph\u00e9p c\u00e1c nh\u00e0 b\u1ea3o l\u00e3nh t\u1ef1 \u0111\u1ed9ng h\u00f3a c\u00e1c tr\u01b0\u1eddng h\u1ee3p \u0111\u01a1n gi\u1ea3n h\u01a1n v\u00e0 t\u1eadn d\u1ee5ng d\u1eef li\u1ec7u \u0111\u1ec3 h\u1ed7 tr\u1ee3 kinh doanh ph\u1ee9c t\u1ea1p h\u01a1n v\u00e0 l\u1edbn h\u01a1n.”<\/p>\n\n

Kate Browne<\/a>, c\u1ed1 v\u1ea5n b\u1ea3o l\u00e3nh ph\u00e1t h\u00e0nh v\u00e0 chuy\u00ean gia y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng cao c\u1ea5p t\u1ea1i Swiss Re, nh\u1ea5n m\u1ea1nh quan \u0111i\u1ec3m c\u1ee7a David b\u1eb1ng c\u00e1ch l\u01b0u \u00fd r\u1eb1ng c\u00f3 r\u1ea5t \u00edt ng\u00e0nh c\u00f3 nhi\u1ec1u d\u1eef li\u1ec7u h\u01a1n ng\u00e0nh b\u1ea3o hi\u1ec3m.\nV\u1ea5n \u0111\u1ec1, sau \u0111\u00f3, l\u00e0 hi\u1ec3u ph\u1ea3i l\u00e0m g\u00ec v\u1edbi t\u1ea5t c\u1ea3 d\u1eef li\u1ec7u \u0111\u00f3. <\/p>\n\n

“Con ng\u01b0\u1eddi kh\u00f4ng c\u00f3 kh\u1ea3 n\u0103ng \u0111\u1ed1i ph\u00f3 v\u1edbi l\u01b0\u1ee3ng d\u1eef li\u1ec7u kh\u1ed5ng l\u1ed3 m\u00e0 ch\u00fang ta \u0111ang nh\u1eadn \u0111\u01b0\u1ee3c b\u00e2y gi\u1edd”, Browne n\u00f3i.\n“\u0110\u00f3 l\u00e0 l\u1ee3i th\u1ebf c\u1ea1nh tranh c\u1ee7a AI, c\u00f3 th\u1ec3 s\u1eed d\u1ee5ng lu\u1ed3ng d\u1eef li\u1ec7u n\u00e0y \u0111\u1ec3 \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh t\u1ed1t h\u01a1n.” <\/p>\n\n

Ngh\u0129 v\u1ec1 AI nh\u01b0 m\u1ed9t kh\u1ea3 n\u0103ng chi\u1ebfn l\u01b0\u1ee3c<\/h3>\n\n

S\u1ee9c m\u1ea1nh c\u1ee7a AI b\u1eaft ngu\u1ed3n t\u1eeb t\u00ednh linh ho\u1ea1t c\u1ee7a n\u00f3.\nB\u1eb1ng c\u00e1ch \u0111\u00e0o t\u1ea1o tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o v\u1ec1 c\u00e1c lo\u1ea1i v\u1ea5n \u0111\u1ec1 c\u1ee5 th\u1ec3, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u00e0 c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 x\u00e2y d\u1ef1ng c\u00e1c c\u00f4ng c\u1ee5 h\u1ecd c\u1ea7n cho m\u1ed9t lo\u1ea1t c\u00e1c nhi\u1ec7m v\u1ee5 c\u1ee5 th\u1ec3, gi\u1ea3i ph\u00f3ng c\u00e1c nh\u00e0 b\u1ea3o l\u00e3nh ph\u00e1t h\u00e0nh c\u1ee7a con ng\u01b0\u1eddi \u0111\u1ec3 t\u1eadp trung v\u00e0o c\u00f4ng vi\u1ec7c v\u1eabn v\u01b0\u1ee3t qu\u00e1 kh\u1ea3 n\u0103ng c\u1ee7a m\u00e1y t\u00ednh. <\/p>\n\n

“Trong khi nhi\u1ec1u c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111ang b\u1eaft \u0111\u1ea7u th\u1ea5y l\u1ee3i \u00edch t\u1eeb c\u00e1c \u1ee9ng d\u1ee5ng AI, c\u00e1c c\u00f4ng ty th\u00fac \u0111\u1ea9y l\u1ee3i nhu\u1eadn \u0111\u00e1ng k\u1ec3 \u0111ang ti\u1ebfp c\u1eadn AI nh\u01b0 m\u1ed9t kh\u1ea3 n\u0103ng – kh\u00f4ng ph\u1ea3i l\u00e0 m\u1ed9t c\u00f4ng c\u1ee5”, Sumit Taneja v\u00e0 Rupesh Malik<\/a> vi\u1ebft trong s\u00e1ch tr\u1eafng EXL.<\/p>\n\n

B\u1eb1ng c\u00e1ch bao g\u1ed3m s\u00e1u kh\u00eda c\u1ea1nh c\u1ee5 th\u1ec3 c\u1ee7a AI trong chi\u1ebfn l\u01b0\u1ee3c ho\u1ea1t \u0111\u1ed9ng c\u1ee7a h\u1ecd – h\u1ecdc m\u00e1y, x\u1eed l\u00fd ng\u00f4n ng\u1eef t\u1ef1 nhi\u00ean, m\u00f4 h\u00ecnh d\u1eef li\u1ec7u h\u00e0nh vi, x\u00e1c th\u1ef1c gi\u1ecdng n\u00f3i, th\u1ecb gi\u00e1c m\u00e1y t\u00ednh v\u00e0 Internet of Things – c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 t\u1ed1i \u0111a h\u00f3a l\u1ee3i \u00edch c\u1ee7a kh\u1ea3 n\u0103ng AI cho c\u00e1c nh\u00e0 b\u1ea3o l\u00e3nh ph\u00e1t h\u00e0nh.<\/p>\n\n

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

Tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o \u0111ang ho\u1ea1t \u0111\u1ed9ng<\/h2>\n\n

Tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o \u0111\u00e3 v\u00e0 \u0111ang thay \u0111\u1ed5i c\u00e1ch c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m kinh doanh.\nM\u1ed9t thay \u0111\u1ed5i quan tr\u1ecdng nh\u01b0ng th\u01b0\u1eddng b\u1ecb b\u1ecf qua l\u00e0 s\u1ee9c m\u1ea1nh c\u1ee7a AI \u0111\u1ec3 s\u1eafp x\u1ebfp c\u00e1c quan \u0111i\u1ec3m v\u00e0 m\u1ee5c ti\u00eau c\u1ee7a c\u1ea3 c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u00e0 ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m. <\/p>\n\n

“Trong l\u1ecbch s\u1eed, c\u00e1c b\u00ean tham gia h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m – c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u00e0 ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m – lu\u00f4n c\u00f3 m\u1ed9t b\u1ed9 th\u00f4ng tin kh\u00e1c nhau”, Denis Kessler<\/a>, Ch\u1ee7 t\u1ecbch v\u00e0 Gi\u00e1m \u0111\u1ed1c \u0111i\u1ec1u h\u00e0nh c\u1ee7a SCOR vi\u1ebft.\nK\u1ebft qu\u1ea3 l\u00e0, c\u1ea3 hai \u0111\u00e3 h\u00e0nh \u0111\u1ed9ng chi\u1ebfn l\u01b0\u1ee3c trong n\u1ed7 l\u1ef1c suy lu\u1eadn nh\u1eefng g\u00ec b\u00ean kia bi\u1ebft.\nV\u00ed d\u1ee5, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 th\u0103m d\u00f2 \u00fd ki\u1ebfn ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m v\u1ec1 c\u00e1c h\u00e0nh vi kh\u00e1c nhau c\u1ee7a h\u1ecd, trong khi ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 c\u1ed1 g\u1eafng m\u00f4 t\u1ea3 r\u1ee7i ro ho\u1eb7c t\u1ed5n th\u1ea5t theo c\u00e1ch d\u1eabn \u0111\u1ebfn l\u1ee3i th\u1ebf l\u1edbn h\u01a1n. <\/p>\n\n

S\u1ef1 kh\u00e1c bi\u1ec7t gi\u1eefa nh\u1eefng g\u00ec c\u00f4ng ty b\u1ea3o hi\u1ec3m bi\u1ebft v\u00e0 nh\u1eefng g\u00ec ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m bi\u1ebft d\u1eabn \u0111\u1ebfn s\u1ef1 thi\u1ebfu tin t\u01b0\u1edfng.\nTuy nhi\u00ean, b\u1eb1ng c\u00e1ch s\u1eed d\u1ee5ng tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o \u0111\u1ec3 \u0111\u00e1nh gi\u00e1 r\u1ee7i ro v\u00e0 b\u1ea3o l\u00e3nh cho c\u00e1c ch\u00ednh s\u00e1ch c\u1ee5 th\u1ec3, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 \u0111i\u1ec1u ch\u1ec9nh nhu c\u1ea7u, s\u1ef1 hi\u1ec3u bi\u1ebft v\u00e0 l\u1ee3i \u00edch c\u1ee7a kh\u00e1ch h\u00e0ng v\u1edbi ch\u00ednh h\u1ecd.\nC\u00f4ng ty b\u1ea3o hi\u1ec3m v\u00e0 ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m tr\u1edf th\u00e0nh \u0111\u1ed3ng minh trong cu\u1ed9c chi\u1ebfn ch\u1ed1ng l\u1ea1i r\u1ee7i ro. <\/p>\n\n

\u1ee8ng d\u1ee5ng AI v\u00e0o \u0111\u00e1nh gi\u00e1 r\u1ee7i ro<\/h3>\n\n

C\u00e1c nh\u00e0 nghi\u00ean c\u1ee9u \u0111\u00e3 t\u00ecm c\u00e1ch \u00e1p d\u1ee5ng tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o \u0111\u1ec3 \u0111\u00e1nh gi\u00e1 r\u1ee7i ro trong v\u00e0i n\u0103m.\nN\u0103m 2002, nh\u00e0 ph\u00e1t minh Jill K. Jinks<\/a> \u0111\u00e3 n\u1ed9p \u0111\u01a1n xin c\u1ea5p b\u1eb1ng s\u00e1ng ch\u1ebf c\u1ee7a Hoa K\u1ef3 cho “m\u1ed9t h\u1ec7 th\u1ed1ng v\u00e0 ph\u01b0\u01a1ng ph\u00e1p \u0111\u00e1nh gi\u00e1 t\u01b0\u01a1ng t\u00e1c r\u1ee7i ro b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng m\u1ea1i trong m\u1ed9t h\u1ec7 th\u1ed1ng t\u01b0\u01a1ng t\u00e1c”, trong \u0111\u00f3 c\u00e1c \u0111\u1ea1i l\u00fd, nh\u00e0 cung c\u1ea5p d\u1ecbch v\u1ee5 v\u00e0 m\u00e1y ch\u1ee7 b\u1ea3o hi\u1ec3m \u0111\u1ec1u \u0111\u00f3ng m\u1ed9t vai tr\u00f2. <\/p>\n\n

Ng\u00e0y nay, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u00e1p d\u1ee5ng AI v\u00e0o c\u00e1c c\u00e2u h\u1ecfi b\u1ea3o l\u00e3nh ph\u00e1t h\u00e0nh theo nhi\u1ec1u c\u00e1ch kh\u00e1c nhau.\nM\u1ed9t ph\u01b0\u01a1ng ph\u00e1p l\u00e0 b\u1eb1ng c\u00e1ch cung c\u1ea5p m\u1ed9t c\u00e1i nh\u00ecn ch\u00ednh x\u00e1c h\u01a1n v\u1ec1 r\u1ee7i ro c\u01a1 b\u1ea3n b\u1eb1ng c\u00e1ch t\u00ednh to\u00e1n c\u00e1c y\u1ebfu t\u1ed1 c\u00f3 th\u1ec3 kh\u00f4ng thu h\u00fat \u0111\u01b0\u1ee3c s\u1ef1 ch\u00fa \u00fd c\u1ee7a nh\u00e0 b\u1ea3o l\u00e3nh.\nNh\u1eefng c\u00f4ng c\u1ee5 nh\u01b0 v\u1eady c\u00f3 th\u1ec3 \u0111\u1eb7c bi\u1ec7t h\u1eefu \u00edch cho c\u00e1c c\u00f4ng ty \u0111ang t\u00ecm c\u00e1ch c\u1ea3i thi\u1ec7n t\u1ef7 l\u1ec7 ho\u1ea1t \u0111\u1ed9ng k\u1ebft h\u1ee3p c\u1ee7a h\u1ecd trong th\u1eddi \u0111\u1ea1i l\u1ee3i nhu\u1eadn ng\u00e0y c\u00e0ng th\u1eaft ch\u1eb7t, Richard Hartley<\/a>, Gi\u00e1m \u0111\u1ed1c \u0111i\u1ec1u h\u00e0nh v\u00e0 \u0111\u1ed3ng s\u00e1ng l\u1eadp t\u1ea1i Cytora cho bi\u1ebft. <\/p>\n\n

Tuy nhi\u00ean, vi\u1ec7c \u0111\u00e1nh gi\u00e1 r\u1ee7i ro ch\u1ec9 l\u00e0 m\u1ed9t c\u00e1ch tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o c\u00f3 th\u1ec3 gi\u00fap c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng m\u1ea1i \u0111\u00e1p \u1ee9ng nh\u1eefng th\u00e1ch th\u1ee9c ng\u00e0y nay.<\/p>\n\n

Gi\u00fap c\u00e1c nh\u00e0 b\u1ea3o l\u00e3nh ph\u00e1t h\u00e0nh gi\u00fap kh\u00e1ch h\u00e0ng<\/h3>\n\n

M\u1eb7c d\u00f9 c\u00e1c c\u00f4ng c\u1ee5 v\u00e0 kh\u1ea3 n\u0103ng AI c\u00f3 th\u1ec3 gi\u00fap c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m b\u1ea3o v\u1ec7 l\u1ee3i nhu\u1eadn c\u1ee7a ch\u00ednh h\u1ecd t\u1ed1t h\u01a1n, nh\u01b0ng ch\u00fang c\u00f3 th\u1ec3 \u0111\u1ed3ng th\u1eddi gi\u00fap kh\u00e1ch h\u00e0ng b\u1ea3o hi\u1ec3m nh\u1eadn \u0111\u01b0\u1ee3c d\u1ecbch v\u1ee5 \u0111\u01b0\u1ee3c c\u00e1 nh\u00e2n h\u00f3a m\u00e0 h\u1ecd y\u00eau c\u1ea7u v\u00e0 ph\u1ea1m vi b\u1ea3o hi\u1ec3m h\u1ecd th\u1ef1c s\u1ef1 c\u1ea7n.<\/p>\n\n

M\u1ed9t nghi\u00ean c\u1ee9u \u0111i\u1ec3n h\u00ecnh<\/a> c\u1ee7a Cognizant m\u00f4 t\u1ea3 vi\u1ec7c s\u1eed d\u1ee5ng tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o \u0111\u1ec3 hi\u1ec3u r\u00f5 h\u01a1n, m\u00f4 h\u00ecnh h\u00f3a v\u00e0 d\u1ef1 \u0111o\u00e1n r\u1ee7i ro l\u0169 l\u1ee5t \u0111\u1ec3 b\u1ea3o l\u00e3nh t\u1ed1t h\u01a1n cho c\u00e1c ch\u00ednh s\u00e1ch v\u00e0 hi\u1ec3u \u0111\u01b0\u1ee3c quy m\u00f4 v\u00e0 ph\u1ea1m vi th\u1ef1c s\u1ef1 c\u1ee7a th\u1ecb tr\u01b0\u1eddng b\u1ea3o hi\u1ec3m l\u0169 l\u1ee5t Hoa K\u1ef3.\nB\u1eb1ng c\u00e1ch \u0111\u00e0o t\u1ea1o ph\u1ea7n m\u1ec1m v\u1ec1 s\u1ed1 l\u01b0\u1ee3ng l\u1edbn d\u1eef li\u1ec7u \u0111\u1ecba l\u00fd v\u00e0 nh\u00e2n kh\u1ea9u h\u1ecdc, Cognizant \u0111\u00e3 t\u1ea1o ra m\u1ed9t c\u00f4ng c\u1ee5 c\u00f3 th\u1ec3 cung c\u1ea5p l\u1ecbch s\u1eed, m\u00f4 h\u00ecnh v\u00e0 d\u1ef1 \u0111o\u00e1n ch\u00ednh x\u00e1c h\u01a1n v\u1ec1 l\u0169 l\u1ee5t.\nM\u1ed9t c\u00f4ng c\u1ee5 nh\u01b0 v\u1eady c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng \u0111\u1ec3 vi\u1ebft c\u00e1c ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m l\u0169 l\u1ee5t hi\u1ec7u qu\u1ea3 h\u01a1n, qu\u1ea3n l\u00fd r\u1ee7i ro c\u1ee5 th\u1ec3 m\u00e0 kh\u00f4ng l\u00e0m qu\u00e1 t\u1ea3i ch\u1ee7 nh\u00e0 v\u1edbi ph\u1ea1m vi b\u1ea3o hi\u1ec3m kh\u00f4ng ph\u00f9 h\u1ee3p v\u1edbi nhu c\u1ea7u c\u1ee7a h\u1ecd. <\/p>\n\n

Do \u0111\u00f3, tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng trong b\u1ea3o l\u00e3nh ph\u00e1t h\u00e0nh mang l\u1ea1i l\u1ee3i \u00edch cho kh\u00e1ch h\u00e0ng b\u1ea3o hi\u1ec3m c\u0169ng nh\u01b0 c\u00e1c nh\u00e0 b\u1ea3o hi\u1ec3m b\u1ea3o hi\u1ec3m.\n“C\u00f3 th\u1ec3 t\u1ef1 \u0111\u1ed9ng ti\u00eau th\u1ee5 nhi\u1ec1u d\u1eef li\u1ec7u h\u01a1n, ch\u00fang t\u00f4i s\u1ebd th\u1ea5y nhi\u1ec1u t\u00f9y ch\u1ec9nh h\u01a1n v\u00e0 kh\u00e1ch h\u00e0ng s\u1ebd \u0111\u01b0\u1ee3c h\u01b0\u1edfng l\u1ee3i b\u1eb1ng c\u00e1ch tr\u1ea3 ti\u1ec1n cho b\u1ea3o hi\u1ec3m m\u00e0 h\u1ecd th\u1ef1c s\u1ef1 c\u1ea7n”, Sofya Pogreb<\/a>, gi\u00e1m \u0111\u1ed1c \u0111i\u1ec1u h\u00e0nh t\u1ea1i Next Insurance cho bi\u1ebft.\nM\u1ee9c \u0111\u1ed9 c\u00e1 nh\u00e2n h\u00f3a n\u00e0y s\u1ebd l\u00e0m t\u0103ng c\u01a1 h\u1ed9i kh\u00e1ch h\u00e0ng s\u1ebd v\u1eabn trung th\u00e0nh v\u1edbi c\u00f4ng ty b\u1ea3o hi\u1ec3m hi\u1ec7n t\u1ea1i c\u1ee7a h\u1ecd, v\u00ec c\u00f4ng ty b\u1ea3o hi\u1ec3m th\u1ec3 hi\u1ec7n s\u1ef1 hi\u1ec3u bi\u1ebft v\u1ec1 nhu c\u1ea7u c\u1ee5 th\u1ec3 c\u1ee7a h\u1ecd. <\/p>\n\n

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

C\u00e2n nh\u1eafc cho c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng m\u1ea1i<\/h2>\n\n

Tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o \u0111\u00e3 \u0111\u00f3ng m\u1ed9t vai tr\u00f2 trong m\u1ed9t lo\u1ea1t c\u00e1c ho\u1ea1t \u0111\u1ed9ng h\u00e0ng ng\u00e0y c\u1ee7a con ng\u01b0\u1eddi.\nC\u00e1c c\u00f4ng c\u1ee5 d\u1ef1a tr\u00ean AI xu\u1ea5t hi\u1ec7n t\u1ea1i n\u01a1i l\u00e0m vi\u1ec7c b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng m\u1ea1i, c\u0169ng nh\u01b0 t\u1ea1i n\u01a1i l\u00e0m vi\u1ec7c c\u1ee7a c\u00e1c c\u00f4ng ty t\u00ecm ki\u1ebfm b\u1ea3o hi\u1ec3m.\nS\u1ef1 lan r\u1ed9ng nhanh ch\u00f3ng c\u1ee7a AI t\u1ea1o ra m\u1ed9t s\u1ed1 c\u00e2n nh\u1eafc m\u1edbi cho c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m. <\/p>\n\n

\u0110\u00e1nh gi\u00e1 r\u1ee7i ro trong m\u1ed9t th\u1ebf gi\u1edbi do AI \u0111i\u1ec1u khi\u1ec3n<\/h3>\n\n

Khi n\u00f3i \u0111\u1ebfn b\u1ea3o l\u00e3nh ph\u00e1t h\u00e0nh, tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o s\u1ebd kh\u00f4ng ch\u1ec9 thay \u0111\u1ed5i c\u00e1ch th\u1ee9c ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m.\nN\u00f3 c\u0169ng s\u1ebd thay \u0111\u1ed5i c\u00e1ch h\u1ecd \u0111\u00e1nh gi\u00e1 r\u1ee7i ro, Warren Berey<\/a>, gi\u00e1m \u0111\u1ed1c b\u1ea3o l\u00e3nh ph\u00e1t h\u00e0nh v\u00e0 ho\u1ea1t \u0111\u1ed9ng t\u1ea1i N2G Worldwide Insurance Services cho bi\u1ebft. <\/p>\n\n

V\u00ed d\u1ee5: c\u00e1c doanh nghi\u1ec7p s\u1eed d\u1ee5ng AI trong ho\u1ea1t \u0111\u1ed9ng c\u1ee7a ri\u00eang h\u1ecd ho\u1eb7c s\u1ea3n xu\u1ea5t c\u00e1c s\u1ea3n ph\u1ea9m c\u00f3 AI nh\u00fang, ph\u1ea3i \u0111\u1ed1i m\u1eb7t v\u1edbi nh\u1eefng r\u1ee7i ro m\u00e0 s\u1ef1 hi\u1ec3u bi\u1ebft c\u1ee7a ch\u00fang ta v\u1ec1 c\u00e1c ho\u1ea1t \u0111\u1ed9ng m\u00e1y t\u00ednh d\u1ef1a tr\u00ean m\u00e3 truy\u1ec1n th\u1ed1ng c\u00f3 th\u1ec3 kh\u00f4ng t\u00ednh \u0111\u1ebfn.\nKhi c\u00f4ng ngh\u1ec7 ph\u00e1t tri\u1ec3n nhanh h\u01a1n, kho\u1ea3ng th\u1eddi gian \u0111\u1ec3 thu th\u1eadp th\u00f4ng tin v\u1ec1 nh\u1eefng r\u1ee7i ro n\u00e0y v\u00e0 \u1ee9ng ph\u00f3 th\u00f4ng qua b\u1ea3o l\u00e3nh ph\u00e1t h\u00e0nh \u0111\u01b0\u1ee3c c\u1ea3i thi\u1ec7n s\u1ebd thu h\u1eb9p. <\/p>\n\n

C\u1ea3 c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u00e0 c\u00f4ng ty an ninh m\u1ea1ng \u0111\u1ec1u kh\u00f4ng xem nh\u1eb9 nh\u1eefng thay \u0111\u1ed5i nhanh ch\u00f3ng n\u00e0y.\nKhi r\u1ee7i ro li\u00ean quan \u0111\u1ebfn AI t\u0103ng l\u00ean, cam k\u1ebft c\u1ee7a c\u00f4ng ty b\u1ea3o hi\u1ec3m trong vi\u1ec7c t\u1ea1o ra v\u00e0 tri\u1ec3n khai c\u00f4ng ngh\u1ec7 \u0111\u1ec3 th\u00e1ch th\u1ee9c h\u1ecd c\u0169ng t\u0103ng theo, Tim Marlin<\/a>, l\u00e3nh \u0111\u1ea1o ph\u00e1t tri\u1ec3n s\u1ea3n ph\u1ea9m m\u1ea1ng t\u1ea1i Marsh cho bi\u1ebft. <\/p>\n\n

C\u00e1c r\u1ee7i ro thay \u0111\u1ed5i kh\u00e1c c\u0169ng k\u00eau g\u1ecdi tri\u1ec3n khai c\u00e1c c\u00f4ng c\u1ee5 b\u1ea3o l\u00e3nh ph\u00e1t h\u00e0nh h\u1ed7 tr\u1ee3 AI.\nNgo\u00e0i nh\u1eefng thay \u0111\u1ed5i trong kinh doanh th\u01b0\u01a1ng m\u1ea1i v\u00e0 r\u1ee7i ro m\u1ea1ng do ch\u00ednh AI th\u00fac \u0111\u1ea9y, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m t\u00e0i s\u1ea3n v\u00e0 th\u01b0\u01a1ng vong hi\u1ec7n \u0111ang ph\u1ea3i \u0111\u1ed1i m\u1eb7t v\u1edbi m\u1ed9t th\u1ebf gi\u1edbi \u0111\u1ea7y bi\u1ebfn \u0111\u1ed9ng.\n\u0110\u1ea1i d\u1ecbch, bi\u1ec3u t\u00ecnh, n\u1ec1n kinh t\u1ebf chao \u0111\u1ea3o, b\u1ea5t \u1ed5n kh\u00ed h\u1eadu v\u00e0 c\u00e1c th\u00e1ch th\u1ee9c kh\u00e1c ti\u1ebfp t\u1ee5c \u0111\u1ecbnh h\u00ecnh l\u1ea1i r\u1ee7i ro. <\/p>\n\n

C\u1ea3i thi\u1ec7n c\u00f4ng vi\u1ec7c b\u1ea3o l\u00e3nh ph\u00e1t h\u00e0nh<\/h3>\n\n

K\u1ebft h\u1ee3p v\u1edbi c\u00e1c c\u00f4ng c\u1ee5 kh\u00e1c nh\u01b0 h\u1ecdc m\u00e1y v\u00e0 ph\u00e2n t\u00edch d\u1eef li\u1ec7u l\u1edbn, AI c\u00f3 th\u1ec3 gi\u00fap c\u00e1c nh\u00e0 b\u1ea3o l\u00e3nh ph\u00e1t h\u00e0nh v\u01b0\u1ee3t qua th\u00e1ch th\u1ee9c.\nNh\u1eefng c\u00f4ng c\u1ee5 n\u00e0y “gi\u00fap c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng m\u1ea1i t\u0103ng c\u01b0\u1eddng kh\u1ea3 n\u0103ng c\u1ee7a h\u1ecd \u0111\u1ec3 h\u1ee3p l\u00fd h\u00f3a quy tr\u00ecnh [and] b\u1ea3o l\u00e3nh ph\u00e1t h\u00e0nh, x\u00e1c \u0111\u1ecbnh v\u00e0 \u0111\u1ecbnh gi\u00e1 r\u1ee7i ro m\u1ed9t c\u00e1ch hi\u1ec7u qu\u1ea3 v\u00e0 do \u0111\u00f3 t\u0103ng l\u1ee3i nhu\u1eadn”, Ramesh Darbha<\/a> c\u1ee7a CapGemini v\u00e0 c\u00e1c nh\u00e0 nghi\u00ean c\u1ee9u \u0111\u1ed3ng nghi\u1ec7p l\u01b0u \u00fd trong m\u1ed9t b\u00e1o c\u00e1o n\u0103m 2018. <\/p>\n\n

C\u00e1c nh\u00e0 b\u1ea3o l\u00e3nh ph\u00e1t h\u00e0nh th\u01b0\u1eddng xuy\u00ean b\u1ecb \u00e1p l\u1ef1c v\u1ec1 th\u1eddi gian.\nH\u1ecd c\u00f3 th\u1ec3 d\u00e0nh t\u1edbi 50% th\u1eddi gian l\u00e0m vi\u1ec7c cho c\u00e1c nhi\u1ec7m v\u1ee5 ngo\u1ea1i vi, thay v\u00ec c\u00f4ng vi\u1ec7c c\u1ed1t l\u00f5i l\u00e0 b\u1ea3o l\u00e3nh ph\u00e1t h\u00e0nh, theo s\u00e1ch tr\u1eafng<\/a> GenPact. <\/p>\n\n

“Trong m\u1ed9t m\u00f4i tr\u01b0\u1eddng k\u1ebf th\u1eeba, c\u00e1c nh\u00e0 b\u1ea3o l\u00e3nh ph\u00e1t h\u00e0nh ph\u1ea3i \u01b0u ti\u00ean kinh doanh m\u1edbi theo c\u00e1ch th\u1ee7 c\u00f4ng, th\u01b0\u1eddng b\u1ecb \u1ea3nh h\u01b0\u1edfng b\u1edfi c\u00e1c y\u1ebfu t\u1ed1 kh\u00e1c ngo\u00e0i chi\u1ebfn l\u01b0\u1ee3c kinh doanh”, GenPact l\u01b0u \u00fd.\nK\u1ebft qu\u1ea3 l\u00e0 nhi\u1ec1u doanh nghi\u1ec7p m\u1edbi ho\u00e0n to\u00e0n kh\u00f4ng \u0111\u01b0\u1ee3c vi\u1ebft, ngay c\u1ea3 khi n\u00f3 s\u1ebd \u0111\u1ea1i di\u1ec7n cho gi\u00e1 tr\u1ecb cho c\u00f4ng ty b\u1ea3o hi\u1ec3m.\nTr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o cung c\u1ea5p m\u1ed9t c\u00e1ch \u0111\u1ec3 gi\u1ea3m c\u0103ng th\u1eb3ng cho c\u00e1c nh\u00e0 b\u1ea3o l\u00e3nh, gi\u1ea3i ph\u00f3ng h\u1ecd \u0111\u1ec3 t\u1eadp trung v\u00e0o c\u00e1c v\u1ea5n \u0111\u1ec1 v\u00e0 nhi\u1ec7m v\u1ee5 trung t\u00e2m \u0111\u1ec3 vi\u1ebft kinh doanh m\u1edbi. <\/p>\n\n

Tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o s\u1ebd kh\u00f4ng thay th\u1ebf c\u00e1c nh\u00e0 b\u1ea3o l\u00e3nh th\u01b0\u01a1ng m\u1ea1i.\nTuy nhi\u00ean, AI cung c\u1ea5p m\u1ed9t c\u00f4ng c\u1ee5 m\u1edbi m\u1ea1nh m\u1ebd c\u00f3 th\u1ec3 thay \u0111\u1ed5i v\u00e0 c\u1ea3i thi\u1ec7n c\u00f4ng vi\u1ec7c b\u1ea3o l\u00e3nh ph\u00e1t h\u00e0nh.\nKhi b\u1ea3o hi\u1ec3m t\u00e0i s\u1ea3n th\u01b0\u01a1ng m\u1ea1i v\u00e0 th\u01b0\u01a1ng vong ti\u1ebfp t\u1ee5c ph\u1ea3i \u0111\u1ed1i m\u1eb7t v\u1edbi nh\u1eefng r\u1ee7i ro m\u1edbi, ph\u00e1t tri\u1ec3n v\u00e0 kh\u00f4ng ch\u1eafc ch\u1eafn, AI cung c\u1ea5p m\u1ed9t con \u0111\u01b0\u1eddng ph\u00eda tr\u01b0\u1edbc cho b\u1ea3o l\u00e3nh ph\u00e1t h\u00e0nh \u0111\u00e1ng tin c\u1eady. <\/p>\n\n

H\u00ecnh \u1ea3nh b\u1edfi: puhhha\/\u00a9123RF.com, Andriy Popov\/\u00a9123RF.com, javiindy\/\u00a9123RF.com<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

Trong v\u00e0i th\u1eadp k\u1ef7 qua, tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o \u0111\u00e3 chuy\u1ec3n t\u1eeb khoa h\u1ecdc vi\u1ec5n t\u01b0\u1edfng sang s\u1eed d\u1ee5ng ph\u1ed5 bi\u1ebfn. Kh\u00f4ng gi\u1ed1ng nh\u01b0 c\u00e1c ch\u01b0\u01a1ng tr\u00ecnh m\u00e1y t\u00ednh th\u00f4ng th\u01b0\u1eddng, ch\u1ec9 \u0111\u01a1n gi\u1ea3n l\u00e0 th\u1ef1c hi\u1ec7n m\u1ed9t danh s\u00e1ch c\u00e1c h\u01b0\u1edbng d\u1eabn \u0111\u01b0\u1ee3c vi\u1ebft s\u1eb5n, AI c\u00f3 th\u1ec3 th\u00edch \u1ee9ng v\u1edbi th\u00f4ng tin \u0111\u01b0\u1ee3c […]<\/p>\n","protected":false},"featured_media":8551,"template":"","insight-category":[],"class_list":["post-19995","insight","type-insight","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight\/19995","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\/8551"}],"wp:attachment":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/media?parent=19995"}],"wp:term":[{"taxonomy":"insight-category","embeddable":true,"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight-category?post=19995"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}