{"id":20049,"date":"2024-09-20T14:52:44","date_gmt":"2024-09-20T19:52:44","guid":{"rendered":"https:\/\/bolttech.io\/insights\/vai-tro-cua-tai-bao-hiem-trong-he-sinh-thai-thuong-mai\/"},"modified":"2024-09-20T14:52:46","modified_gmt":"2024-09-20T19:52:46","slug":"vai-tro-cua-tai-bao-hiem-trong-he-sinh-thai-thuong-mai","status":"publish","type":"insight","link":"https:\/\/bolttech.io\/vi\/insights\/vai-tro-cua-tai-bao-hiem-trong-he-sinh-thai-thuong-mai\/","title":{"rendered":"Vai tr\u00f2 c\u1ee7a t\u00e1i b\u1ea3o hi\u1ec3m trong h\u1ec7 sinh th\u00e1i th\u01b0\u01a1ng m\u1ea1i"},"content":{"rendered":"\n

Gi\u1ed1ng nh\u01b0 c\u00e1c l\u0129nh v\u1ef1c kh\u00e1c c\u1ee7a ng\u00e0nh b\u1ea3o hi\u1ec3m, t\u00e1i b\u1ea3o hi\u1ec3m th\u1ea5y m\u00ecnh \u0111ang \u1edf ng\u00e3 ba \u0111\u01b0\u1eddng.\n\u0110\u1ea1i d\u1ecbch COVID-19, m\u1ed9t m\u00f9a b\u00e3o \u0111ang r\u00ecnh r\u1eadp v\u00e0 c\u00e1c r\u1ee7i ro kh\u00e1c \u0111e d\u1ecda s\u1ef1 gi\u00e1n \u0111o\u1ea1n v\u00e0 b\u1ea5t \u1ed5n l\u1edbn.\n\u0110\u1ed3ng th\u1eddi, c\u00e1c c\u00f4ng c\u1ee5 v\u00e0 c\u01a1 h\u1ed9i k\u1ef9 thu\u1eadt s\u1ed1 t\u1ed3n t\u1ea1i \u0111\u1ec3 t\u1ea1o ra m\u1ed9t s\u1ef1 t\u00e1i ph\u00e1t minh l\u1edbn v\u1ec1 t\u00e1i b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 \u0111\u1ea3m b\u1ea3o kh\u1ea3 n\u0103ng ph\u1ee5c h\u1ed3i c\u1ee7a ng\u00e0nh trong nhi\u1ec1u th\u1eadp k\u1ef7 t\u1edbi. <\/p>\n\n

\u0110\u1ec3 n\u1eafm b\u1eaft c\u01a1 h\u1ed9i v\u00e0 tr\u00e1nh c\u00e1c m\u1ed1i \u0111e d\u1ecda, c\u00e1c c\u00f4ng ty t\u00e1i b\u1ea3o hi\u1ec3m s\u1ebd c\u1ea7n ph\u1ea3i h\u00ecnh dung l\u1ea1i ch\u00ednh m\u00ecnh trong b\u1ed1i c\u1ea3nh ng\u00e0nh b\u1ea3o hi\u1ec3m m\u1edbi.\nK\u1ebft n\u1ed1i v\u1edbi c\u00e1c \u0111\u1ed1i t\u00e1c v\u00e0 kh\u00e1ch h\u00e0ng th\u00f4ng qua m\u1ed9t h\u1ec7 sinh th\u00e1i<\/a> k\u1ef9 thu\u1eadt s\u1ed1 cung c\u1ea5p m\u1ed9t t\u1ea7m nh\u00ecn \u0111\u1ea7y h\u1ee9a h\u1eb9n v\u1ec1 t\u01b0\u01a1ng lai. <\/p>\n\n

T\u00ecnh tr\u1ea1ng t\u00e1i b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng m\u1ea1i<\/h2>\n\n

“Ng\u00e0nh c\u00f4ng nghi\u1ec7p th\u01b0\u01a1ng m\u1ea1i v\u00e0 t\u00e1i b\u1ea3o hi\u1ec3m l\u1edbn nh\u1eadn th\u1ea5y m\u00ecnh \u0111\u1ed3ng th\u1eddi c\u00f3 nguy c\u01a1 gi\u00e1n \u0111o\u1ea1n nghi\u00eam tr\u1ecdng v\u00e0 tr\u00ean b\u1edd v\u1ef1c c\u1ee7a s\u1ef1 chuy\u1ec3n \u0111\u1ed5i quan tr\u1ecdng”, Isabelle Santenac<\/a> v\u00e0 c\u00e1c nh\u00e0 l\u00e3nh \u0111\u1ea1o b\u1ea3o hi\u1ec3m \u0111\u1ed3ng nghi\u1ec7p t\u1ea1i EY vi\u1ebft.<\/p>\n\n

S\u1ef1 gi\u00e1n \u0111o\u1ea1n li\u00ean quan \u0111\u1ebfn \u0111\u1ea1i d\u1ecbch, nhu c\u1ea7u c\u1ee7a kh\u00e1ch h\u00e0ng thay \u0111\u1ed5i, gi\u00e1 tr\u1ecb t\u00e0i s\u1ea3n v\u00f4 h\u00ecnh ng\u00e0y c\u00e0ng t\u0103ng v\u00e0 nhu c\u1ea7u v\u1ec1 t\u00e0i n\u0103ng m\u1edbi \u0111\u1ec1u g\u00e2y \u00e1p l\u1ef1c l\u00ean c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u00e0 t\u00e1i b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng m\u1ea1i.\nTrong khi \u0111\u00f3, s\u1ef1 gi\u00e1n \u0111o\u1ea1n c\u00f4ng ngh\u1ec7 \u0111\u00e3 s\u1eb5n s\u00e0ng \u0111\u1ec3 \u0111\u1ea3o l\u1ed9n c\u00e1c m\u00f4 h\u00ecnh th\u01b0\u01a1ng m\u1ea1i v\u00e0 t\u00e1i b\u1ea3o hi\u1ec3m hi\u1ec7n c\u00f3. <\/p>\n\n

M\u1ed9t trong nh\u1eefng th\u00e1ch th\u1ee9c l\u1edbn nh\u1ea5t hi\u1ec7n \u0111ang ph\u1ea3i \u0111\u1ed1i m\u1eb7t v\u1edbi c\u1ea3 c\u00f4ng ty b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng m\u1ea1i v\u00e0 t\u00e1i b\u1ea3o hi\u1ec3m l\u00e0 s\u1ef1 c\u1ea7n thi\u1ebft ph\u1ea3i k\u1ebft h\u1ee3p nhu c\u1ea7u, s\u1edf th\u00edch v\u00e0 k\u1ef3 v\u1ecdng c\u1ee7a kh\u00e1ch h\u00e0ng v\u00e0o c\u00e1ch ti\u1ebfp c\u1eadn c\u1ee7a h\u1ecd.\nKhi c\u00e1c h\u1ec7 sinh th\u00e1i k\u1ef9 thu\u1eadt s\u1ed1<\/a> \u0111\u01b0\u1ee3c \u0111i\u1ec1u h\u00e0nh t\u1eeb c\u00e1c n\u1ec1n t\u1ea3ng t\u1eadp trung tr\u1edf th\u00e0nh m\u1ed9t ph\u1ea7n c\u1ee7a tr\u1ea3i nghi\u1ec7m h\u00e0ng ng\u00e0y, kh\u00e1ch h\u00e0ng ng\u00e0y c\u00e0ng mong \u0111\u1ee3i ch\u00fang t\u1eeb c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m. <\/p>\n\n

C\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u00e1p d\u1ee5ng c\u00e1ch ti\u1ebfp c\u1eadn h\u1ec7 sinh th\u00e1i “s\u1ebd c\u00f3 th\u1ec3 chuy\u1ec3n t\u1eeb c\u00e1ch ti\u1ebfp c\u1eadn b\u00e1n h\u00e0ng t\u1eadp trung v\u00e0o s\u1ea3n ph\u1ea9m sang ph\u01b0\u01a1ng ph\u00e1p g\u1eafn li\u1ec1n v\u1edbi nhu c\u1ea7u r\u1ed9ng l\u1edbn h\u01a1n trong su\u1ed1t cu\u1ed9c \u0111\u1eddi c\u1ee7a kh\u00e1ch h\u00e0ng, t\u1eadp trung nhi\u1ec1u h\u01a1n v\u00e0o tr\u1ea3i nghi\u1ec7m c\u1ee7a con ng\u01b0\u1eddi”, theo b\u00e1o c\u00e1o Swiss Re<\/a> n\u0103m 2020.\nC\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00e0ng c\u00f3 nhi\u1ec1u d\u1eef li\u1ec7u v\u00e0 h\u1ecd c\u00e0ng d\u1ec5 d\u00e0ng k\u1ebft n\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u00e0 t\u00e1i b\u1ea3o hi\u1ec3m s\u1ebd c\u00e0ng d\u1ec5 d\u00e0ng cung c\u1ea5p tr\u1ea3i nghi\u1ec7m v\u01b0\u1ee3t tr\u1ed9i \u0111\u1ec3 x\u00e2y d\u1ef1ng l\u00f2ng trung th\u00e0nh c\u1ee7a kh\u00e1ch h\u00e0ng. <\/p>\n\n

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

Th\u00e1ch th\u1ee9c v\u00e0 c\u01a1 h\u1ed9i cho m\u1ed1i quan h\u1ec7 gi\u1eefa c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u00e0 t\u00e1i b\u1ea3o hi\u1ec3m<\/h2>\n\n

C\u1ea3 c\u00f4ng ty b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng m\u1ea1i v\u00e0 c\u00f4ng ty t\u00e1i b\u1ea3o hi\u1ec3m \u0111\u1ec1u ph\u1ea3i \u0111\u1ed1i m\u1eb7t v\u1edbi nh\u1eefng th\u00e1ch th\u1ee9c l\u1edbn hi\u1ec7n nay.\n\u0110\u1ea1i d\u1ecbch COVID-19, m\u1ed1i \u0111e d\u1ecda c\u1ee7a m\u1ed9t m\u00f9a b\u00e3o l\u1edbn v\u00e0 c\u00e1c y\u1ebfu t\u1ed1 kh\u00e1c \u0111\u1ec1u g\u00e2y nguy hi\u1ec3m cho s\u1ef1 \u1ed5n \u0111\u1ecbnh c\u1ee7a c\u00f4ng ty b\u1ea3o hi\u1ec3m, m\u1ed1i quan h\u1ec7 kh\u00e1ch h\u00e0ng v\u00e0 h\u01a1n th\u1ebf n\u1eefa. <\/p>\n\n

Tuy nhi\u00ean, trong nh\u1eefng th\u00e1ch th\u1ee9c n\u00e0y c\u00f3 m\u1ed9t s\u1ed1 c\u01a1 h\u1ed9i.\nCh\u00fang bao g\u1ed3m c\u01a1 h\u1ed9i suy ngh\u0129 l\u1ea1i v\u1ec1 c\u00e1c m\u1ed1i quan h\u1ec7 b\u1ea3o hi\u1ec3m v\u00e0 x\u00e2y d\u1ef1ng c\u00e1c n\u1ec1n t\u1ea3ng thu h\u00fat kh\u00e1ch h\u00e0ng v\u00e0 c\u00e1c c\u00f4ng ty \u0111\u1ed1i t\u00e1c phi b\u1ea3o hi\u1ec3m theo nh\u1eefng c\u00e1ch m\u1edbi. <\/p>\n\n

T\u00e1i b\u1ea3o hi\u1ec3m v\u00e0 COVID-19: C\u00f3 th\u1ec3 chia s\u1ebb ph\u01a1i nhi\u1ec5m kh\u00f4ng?<\/h3>\n\n

M\u1ee5c ti\u00eau c\u1ee7a t\u00e1i b\u1ea3o hi\u1ec3m l\u00e0 \u0111\u1ea3m b\u1ea3o r\u1eb1ng “kh\u00f4ng c\u00f3 c\u00f4ng ty b\u1ea3o hi\u1ec3m n\u00e0o ti\u1ebfp x\u00fac qu\u00e1 nhi\u1ec1u v\u1edbi m\u1ed9t s\u1ef1 ki\u1ec7n ho\u1eb7c th\u1ea3m h\u1ecda \u0111\u1eb7c bi\u1ec7t l\u1edbn”, nh\u00e0 v\u0103n kinh doanh Caroline Banton<\/a> n\u00f3i.\nM\u00f4 h\u00ecnh n\u00e0y ho\u1ea1t \u0111\u1ed9ng t\u1ed1t khi c\u00e1c s\u1ef1 ki\u1ec7n ho\u1eb7c th\u1ea3m h\u1ecda \u0111\u01b0\u1ee3c c\u1ee5c b\u1ed9.\nV\u00ed d\u1ee5, vi\u1ec7c lan truy\u1ec1n s\u1ef1 ti\u1ebfp x\u00fac gi\u1eefa c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m trong v\u00f9ng b\u00e3o gi\u00fap \u0111\u1ea3m b\u1ea3o r\u1eb1ng kh\u00f4ng c\u00f3 c\u00f4ng ty b\u1ea3o hi\u1ec3m n\u00e0o b\u1ecb cho\u00e1ng ng\u1ee3p b\u1edfi c\u00e1c y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng khi m\u1ed9t c\u01a1n b\u00e3o t\u1ea5n c\u00f4ng khu v\u1ef1c. <\/p>\n\n

Tuy nhi\u00ean, m\u1ed9t th\u1ea3m h\u1ecda c\u00f3 quy m\u00f4 c\u1ee7a m\u1ed9t \u0111\u1ea1i d\u1ecbch to\u00e0n c\u1ea7u kh\u00f4ng ch\u1ec9 ph\u01a1i b\u00e0y c\u00e1c c\u00f4ng ty ri\u00eang l\u1ebb m\u00e0 c\u1ea3 ng\u00e0nh b\u1ea3o hi\u1ec3m n\u00f3i chung.\nTrong nh\u1eefng tr\u01b0\u1eddng h\u1ee3p n\u00e0y, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u00e0 t\u00e1i b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 ph\u1ea3i v\u1eadt l\u1ed9n \u0111\u1ec3 chia s\u1ebb r\u1ee7i ro, b\u1edfi v\u00ec m\u1ecdi c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u1ec1u ph\u1ea3i \u0111\u1ed1i m\u1eb7t v\u1edbi t\u1ed5n th\u1ea5t t\u1eeb m\u1ed7i qu\u00fd. <\/p>\n\n

C\u00e1c doanh nghi\u1ec7p chia s\u1ebb m\u1ed1i quan t\u00e2m c\u1ee7a c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u1ec1 r\u1ee7i ro li\u00ean quan \u0111\u1ebfn \u0111\u1ea1i d\u1ecbch, b\u1edfi v\u00ec h\u1ecd \u0111\u1ee9ng tr\u00ean tuy\u1ebfn \u0111\u1ea7u c\u1ee7a t\u1ed5n th\u1ea5t.\nM\u1ed9t nghi\u00ean c\u1ee9u c\u1ee7a PwC<\/a> cho th\u1ea5y 71% c\u00e1c c\u00f4ng ty tr\u00edch d\u1eabn “t\u00e1c \u0111\u1ed9ng t\u00e0i ch\u00ednh” trong s\u1ed1 ba m\u1ed1i quan t\u00e2m h\u00e0ng \u0111\u1ea7u c\u1ee7a h\u1ecd li\u00ean quan \u0111\u1ebfn coronavirus.\nNh\u1eefng t\u00e1c \u0111\u1ed9ng t\u00e0i ch\u00ednh n\u00e0y s\u1ebd l\u1ea7n l\u01b0\u1ee3t \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng m\u1ea1i v\u00e0 t\u00e1i b\u1ea3o hi\u1ec3m khi c\u00e1c doanh nghi\u1ec7p t\u00ecm ki\u1ebfm b\u1ea3o hi\u1ec3m cho c\u00e1c t\u1ed5n th\u1ea5t. <\/p>\n\n

Trong l\u1ecbch s\u1eed, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m t\u00e0i s\u1ea3n v\u00e0 th\u01b0\u01a1ng vong \u0111\u00e3 x\u00e2y d\u1ef1ng d\u1ef1a tr\u00ean c\u00e1c th\u1ea3m h\u1ecda l\u1edbn, s\u1eed d\u1ee5ng ch\u00fang \u0111\u1ec3 th\u00fac \u0111\u1ea9y t\u0103ng tr\u01b0\u1edfng h\u01a1n n\u1eefa.\nV\u00ed d\u1ee5, trong khi c\u00e1c cu\u1ed9c t\u1ea5n c\u00f4ng ng\u00e0y 11 th\u00e1ng 9 n\u0103m 2001 khi\u1ebfn c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m thi\u1ec7t h\u1ea1i k\u1ef7 l\u1ee5c 45 t\u1ef7 \u0111\u00f4 la (theo gi\u00e1 n\u0103m 2020), c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u00e0 t\u00e1i b\u1ea3o hi\u1ec3m kh\u00f4ng ch\u1ec9 xoay s\u1edf \u0111\u1ec3 v\u01b0\u1ee3t qua c\u00e1c cu\u1ed9c t\u1ea5n c\u00f4ng m\u00e0 c\u00f2n s\u1eed d\u1ee5ng s\u1ef1 ki\u1ec7n n\u00e0y \u0111\u1ec3 c\u1ee7ng c\u1ed1 v\u1ecb th\u1ebf kinh t\u1ebf c\u1ee7a h\u1ecd, Sylvain Johansson<\/a> v\u00e0 c\u00e1c nh\u00e0 nghi\u00ean c\u1ee9u McKinsey vi\u1ebft trong m\u1ed9t b\u00e1o c\u00e1o th\u00e1ng 4 n\u0103m 2020. <\/p>\n\n

Trong khi \u0111\u1ea1i d\u1ecbch t\u1ea1o ra m\u1ed9t lo\u1ea1t v\u1ea5n \u0111\u1ec1 m\u1edbi cho c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m, n\u00f3 c\u0169ng c\u00f3 th\u1ec3 t\u1ea1o ra c\u01a1 h\u1ed9i \u0111\u1ec3 suy ngh\u0129 l\u1ea1i tri\u1ec7t \u0111\u1ec3 v\u1ec1 c\u00e1ch c\u00e1c s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c t\u1ea1o ra v\u00e0 ph\u00e2n ph\u1ed1i.\nN\u00f3 c\u0169ng t\u1ea1o c\u01a1 h\u1ed9i x\u00e2y d\u1ef1ng m\u1ed1i quan h\u1ec7 v\u1edbi c\u00e1c \u0111\u1ed1i t\u00e1c kh\u00f4ng ph\u1ea3i l\u00e0 c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u1ec3 t\u1ea1o ra tr\u1ea3i nghi\u1ec7m kh\u00e1ch h\u00e0ng c\u00f3 gi\u00e1 tr\u1ecb cao. <\/p>\n\n

S\u1ef1 gi\u00e1n \u0111o\u1ea1n k\u1ef9 thu\u1eadt s\u1ed1 v\u00e0 nh\u1eefng k\u1ebb g\u00e2y r\u1ed1i<\/h3>\n\n

Trong m\u1ed9t h\u1ec7 sinh th\u00e1i k\u1ef9 thu\u1eadt s\u1ed1, nhi\u1ec1u c\u00f4ng ty kh\u00e1c nhau h\u1ee3p t\u00e1c v\u1edbi nhau tr\u00ean m\u1ed9t n\u1ec1n t\u1ea3ng duy nh\u1ea5t \u0111\u1ec3 cung c\u1ea5p tr\u1ea3i nghi\u1ec7m d\u1ecbch v\u1ee5 m\u1ed9t c\u1eeda cho kh\u00e1ch h\u00e0ng.<\/p>\n\n

V\u00ed d\u1ee5: c\u00e1c c\u00f4ng ty t\u00e1i b\u1ea3o hi\u1ec3m v\u00e0 c\u00f4ng ty b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng m\u1ea1i c\u00f3 th\u1ec3 h\u1ee3p t\u00e1c trong m\u1ed9t h\u1ec7 sinh th\u00e1i nh\u1eb1m cung c\u1ea5p tr\u1ea3i nghi\u1ec7m b\u1ea3o hi\u1ec3m to\u00e0n di\u1ec7n cho kh\u00e1ch h\u00e0ng.\nKh\u00e1ch h\u00e0ng c\u00f3 th\u1ec3 l\u00e0m vi\u1ec7c v\u1edbi m\u1ed9t s\u1ed1 c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f9ng m\u1ed9t l\u00fac, m\u1ed7i c\u00f4ng ty chuy\u00ean v\u1ec1 m\u1ed9t lo\u1ea1i b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng m\u1ea1i c\u1ee5 th\u1ec3.\nKh\u00e1ch h\u00e0ng b\u1ecf \u0111i v\u1edbi ph\u1ea1m vi b\u1ea3o hi\u1ec3m h\u1ecd c\u1ea7n cho d\u1ef1 \u00e1n ho\u1eb7c doanh nghi\u1ec7p c\u1ee5 th\u1ec3 c\u1ee7a h\u1ecd, c\u0169ng nh\u01b0 v\u1edbi \u1ea5n t\u01b0\u1ee3ng t\u00edch c\u1ef1c v\u1ec1 c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m li\u00ean quan v\u00e0 tr\u1ea3i nghi\u1ec7m d\u1ecbch v\u1ee5 kh\u00e1ch h\u00e0ng. <\/p>\n\n

M\u1ed9t \u0111i\u1ec1u m\u00e0 h\u1ec7 sinh th\u00e1i cung c\u1ea5p \u0111\u1ec3 mang l\u1ea1i l\u1ee3i \u00edch cho c\u1ea3 kh\u00e1ch h\u00e0ng v\u00e0 c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m l\u00e0 hi\u1ec7u qu\u1ea3 cao h\u01a1n, Gary Grose<\/a>, ph\u00f3 ch\u1ee7 t\u1ecbch \u0111i\u1ec1u h\u00e0nh t\u1ea1i Argo Group v\u00e0 ch\u1ee7 t\u1ecbch kinh doanh \u0111\u1eb7c s\u1ea3n thu\u1ed9c \u0111\u1ecba c\u1ee7a Argo cho bi\u1ebft.\nKh\u00e1ch h\u00e0ng mong \u0111\u1ee3i c\u00e1c giao d\u1ecbch tr\u1ef1c tuy\u1ebfn hi\u1ec7u qu\u1ea3 h\u01a1n khi h\u1ecd chuy\u1ec3n nhi\u1ec1u giao d\u1ecbch mua s\u1eafm v\u00e0 d\u1ecbch v\u1ee5 b\u00e1n l\u1ebb c\u1ee7a h\u1ecd sang mi\u1ec1n k\u1ef9 thu\u1eadt s\u1ed1.\nT\u01b0\u01a1ng t\u1ef1 nh\u01b0 v\u1eady, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u00e0 t\u00e1i b\u1ea3o hi\u1ec3m coi tr\u1ecdng hi\u1ec7u qu\u1ea3; H\u1ecd mu\u1ed1n kinh doanh nhanh ch\u00f3ng. <\/p>\n\n

N\u1ec1n t\u1ea3ng k\u1ef9 thu\u1eadt s\u1ed1 ph\u00f9 h\u1ee3p, l\u01b0u tr\u1eef h\u1ec7 sinh th\u00e1i h\u01b0\u1edbng t\u1edbi kh\u00e1ch h\u00e0ng v\u00e0 x\u1eed l\u00fd d\u1eef li\u1ec7u \u0111\u01b0\u1ee3c thu th\u1eadp t\u1eeb c\u00e1c giao d\u1ecbch c\u1ee7a kh\u00e1ch h\u00e0ng, c\u00f3 th\u1ec3 c\u1ea3i thi\u1ec7n c\u1ea3 t\u1ed1c \u0111\u1ed9 ph\u00e2n ph\u1ed1i v\u00e0 hi\u1ec7u qu\u1ea3 m\u00e0 c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng m\u1ea1i v\u00e0 t\u00e1i b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 t\u01b0\u01a1ng t\u00e1c v\u1edbi nhau.<\/p>\n\n

C\u00e1c m\u00f4 h\u00ecnh h\u1ec7 sinh th\u00e1i th\u00fac \u0111\u1ea9y s\u1ef1 gi\u00e1n \u0111o\u1ea1n trong m\u1ed9t s\u1ed1 ng\u00e0nh c\u00f4ng nghi\u1ec7p, bao g\u1ed3m c\u1ea3 b\u1ea3o hi\u1ec3m.\nC\u00e2u h\u1ecfi \u0111\u1eb7t ra kh\u00f4ng ph\u1ea3i l\u00e0 li\u1ec7u c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 b\u1ecb thay \u0111\u1ed5i b\u1edfi c\u00e1ch ti\u1ebfp c\u1eadn h\u1ec7 sinh th\u00e1i hay kh\u00f4ng; \u0111\u00f3 l\u00e0 li\u1ec7u c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u00e0 t\u00e1i b\u1ea3o hi\u1ec3m s\u1ebd thay \u0111\u1ed5i b\u1eb1ng c\u00e1ch ch\u1ea5p nh\u1eadn m\u00f4 h\u00ecnh hay b\u1eb1ng c\u00e1ch ph\u1ea3n \u1ee9ng v\u1edbi s\u1ef1 gi\u00e1n \u0111o\u1ea1n do c\u00e1c c\u00f4ng ty c\u1ea1nh tranh g\u00e2y ra, Daniele Presutti<\/a>, gi\u00e1m \u0111\u1ed1c \u0111i\u1ec1u h\u00e0nh c\u1ea5p cao v\u00e0 l\u00e3nh \u0111\u1ea1o b\u1ea3o hi\u1ec3m cho ho\u1ea1t \u0111\u1ed9ng ch\u00e2u \u00c2u c\u1ee7a Accenture cho bi\u1ebft. <\/p>\n\n

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

X\u00e2y d\u1ef1ng t\u00e1i b\u1ea3o hi\u1ec3m th\u00e0nh h\u1ec7 sinh th\u00e1i b\u1ea3o hi\u1ec3m s\u1ed1<\/h2>\n\n

H\u1ec7 sinh th\u00e1i k\u1ef9 thu\u1eadt s\u1ed1 c\u0169ng mang \u0111\u1ebfn nh\u1eefng c\u01a1 h\u1ed9i m\u1edbi cho c\u00e1c c\u00f4ng ty t\u00e1i b\u1ea3o hi\u1ec3m chuy\u00ean ng\u00e0nh.\nTheo truy\u1ec1n th\u1ed1ng, c\u00e1c c\u00f4ng ty t\u00e1i b\u1ea3o hi\u1ec3m \u0111\u00e3 th\u00e0nh c\u00f4ng b\u1eb1ng c\u00e1ch m\u1edf r\u1ed9ng quy m\u00f4 \u0111\u1ec3 ch\u1ea5p nh\u1eadn nhi\u1ec1u r\u1ee7i ro ho\u1eb7c b\u1eb1ng c\u00e1ch chuy\u00ean v\u1ec1 c\u00e1c ng\u00e1ch c\u1ee5 th\u1ec3.\nC\u00e1c c\u00f4ng ty t\u00e1i b\u1ea3o hi\u1ec3m chuy\u00ean nghi\u1ec7p ph\u00e1t tri\u1ec3n m\u1ea1nh b\u1eb1ng c\u00e1ch tr\u1edf th\u00e0nh chuy\u00ean gia v\u1ec1 nh\u1eefng r\u1ee7i ro m\u00e0 c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m kh\u00e1c s\u1ebd kh\u00f4ng ch\u1ea1m v\u00e0o. <\/p>\n\n

Chuy\u00ean m\u00f4n n\u00e0y v\u1eabn c\u00f3 gi\u00e1 tr\u1ecb trong m\u1ed9t t\u01b0\u01a1ng lai b\u1ea3o hi\u1ec3m d\u1ef1a tr\u00ean c\u00f4ng ngh\u1ec7.\nTuy nhi\u00ean, \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o h\u1ecd ti\u1ebfp c\u1eadn \u0111\u00fang kh\u00e1ch h\u00e0ng, c\u00e1c c\u00f4ng ty t\u00e1i b\u1ea3o hi\u1ec3m chuy\u00ean nghi\u1ec7p s\u1ebd c\u1ea7n ph\u1ea3i suy ngh\u0129 l\u1ea1i v\u1ec1 c\u00e1ch h\u1ecd ti\u1ebfp c\u1eadn vi\u1ec7c x\u00e2y d\u1ef1ng m\u1ed1i quan h\u1ec7 v\u00e0 ti\u1ebfp c\u1eadn c\u1ed9ng \u0111\u1ed3ng. <\/p>\n\n

H\u1ecd c\u0169ng s\u1ebd c\u1ea7n ph\u1ea3i hi\u1ec3u nhu c\u1ea7u thay \u0111\u1ed5i c\u1ee7a kh\u00e1ch h\u00e0ng.\n“C\u00e1c t\u1ed5 ch\u1ee9c tinh g\u1ecdn v\u00e0 \u0111\u01b0\u1ee3c th\u00fac \u0111\u1ea9y b\u1edfi c\u00f4ng ngh\u1ec7 ng\u00e0y nay \u0111\u1eb7t nhi\u1ec1u gi\u00e1 tr\u1ecb h\u01a1n v\u00e0o vi\u1ec7c ng\u0103n ng\u1eeba t\u1ed5n th\u1ea5t h\u01a1n l\u00e0 chuy\u1ec3n r\u1ee7i ro; h\u1ecd c\u00f3 nh\u1eefng nhu c\u1ea7u v\u00e0 k\u1ef3 v\u1ecdng kh\u00e1c nhau v\u1ec1 b\u1ea3o hi\u1ec3m”, Peter Manchester<\/a>, L\u00e3nh \u0111\u1ea1o T\u01b0 v\u1ea5n B\u1ea3o hi\u1ec3m To\u00e0n c\u1ea7u c\u1ee7a EY v\u00e0 L\u00e3nh \u0111\u1ea1o B\u1ea3o hi\u1ec3m EY EMEIA cho bi\u1ebft. <\/p>\n\n

“C\u00e1c c\u00f4ng ty chuy\u1ec3n \u0111\u1ed5i th\u00e0nh c\u00f4ng nh\u1ea5t s\u1ebd l\u00e0 nh\u1eefng c\u00f4ng ty th\u00fac \u0111\u1ea9y s\u1ef1 thay \u0111\u1ed5i ng\u1eafn h\u1ea1n m\u1ed9t c\u00e1ch kh\u1ea9n c\u1ea5p \u0111\u1ed3ng th\u1eddi \u0111\u1eb7t c\u01b0\u1ee3c th\u00f4ng minh, d\u00e0i h\u1ea1n cho t\u01b0\u01a1ng lai”, Ed J. Majkowski<\/a>, L\u00e3nh \u0111\u1ea1o T\u01b0 v\u1ea5n v\u00e0 Ng\u00e0nh B\u1ea3o hi\u1ec3m c\u1ee7a EY Ch\u00e2u M\u1ef9 cho bi\u1ebft.\n\u0110\u1ed1i v\u1edbi b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng m\u1ea1i v\u00e0 t\u00e1i b\u1ea3o hi\u1ec3m, nh\u1eefng c\u01b0\u1ee3c \u0111\u00f3 s\u1ebd t\u1eadp trung v\u00e0o vi\u1ec7c hi\u1ec3u nhu c\u1ea7u c\u1ee7a kh\u00e1ch h\u00e0ng.\nNhi\u1ec1u c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u00e0 t\u00e1i b\u1ea3o hi\u1ec3m c\u0169ng s\u1ebd h\u1ee3p t\u00e1c v\u1edbi c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u1ed3ng nghi\u1ec7p v\u00e0 c\u00e1c nh\u00e0 cung c\u1ea5p kh\u00e1c trong m\u00f4i tr\u01b0\u1eddng k\u1ef9 thu\u1eadt s\u1ed1 \u0111\u1ec3 \u0111\u00e1p \u1ee9ng nh\u1eefng nhu c\u1ea7u \u0111\u00f3.\nC\u00e1ch ti\u1ebfp c\u1eadn h\u1ec7 sinh th\u00e1i k\u1ef9 thu\u1eadt s\u1ed1 n\u00e0y, ng\u00e0y c\u00e0ng quen thu\u1ed9c v\u1edbi kh\u00e1ch h\u00e0ng, s\u1ebd cung c\u1ea5p l\u1ee3i th\u1ebf c\u1ea1nh tranh th\u00f4ng qua s\u1ef1 h\u1ee3p t\u00e1c c\u00f3 th\u1ec3 \u0111\u01b0a c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u00e0 t\u00e1i b\u1ea3o hi\u1ec3m tay trong tay trong t\u01b0\u01a1ng lai. <\/p>\n\n

\u1ea2nh: Tyler Olson\/\u00a9123RF.com, dolgachov\/\u00a9123RF.com, dolgachov\/\u00a9123RF.com<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

Gi\u1ed1ng nh\u01b0 c\u00e1c l\u0129nh v\u1ef1c kh\u00e1c c\u1ee7a ng\u00e0nh b\u1ea3o hi\u1ec3m, t\u00e1i b\u1ea3o hi\u1ec3m th\u1ea5y m\u00ecnh \u0111ang \u1edf ng\u00e3 ba \u0111\u01b0\u1eddng. \u0110\u1ea1i d\u1ecbch COVID-19, m\u1ed9t m\u00f9a b\u00e3o \u0111ang r\u00ecnh r\u1eadp v\u00e0 c\u00e1c r\u1ee7i ro kh\u00e1c \u0111e d\u1ecda s\u1ef1 gi\u00e1n \u0111o\u1ea1n v\u00e0 b\u1ea5t \u1ed5n l\u1edbn. \u0110\u1ed3ng th\u1eddi, c\u00e1c c\u00f4ng c\u1ee5 v\u00e0 c\u01a1 h\u1ed9i k\u1ef9 thu\u1eadt s\u1ed1 t\u1ed3n […]<\/p>\n","protected":false},"featured_media":8769,"template":"","insight-category":[],"class_list":["post-20049","insight","type-insight","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight\/20049","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\/8769"}],"wp:attachment":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/media?parent=20049"}],"wp:term":[{"taxonomy":"insight-category","embeddable":true,"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight-category?post=20049"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}