{"id":20050,"date":"2024-09-20T14:52:45","date_gmt":"2024-09-20T19:52:45","guid":{"rendered":"https:\/\/bolttech.io\/insights\/quan-he-doi-tac-dang-chuyen-doi-phan-phoi-cho-cac-dong-thuong-mai\/"},"modified":"2024-09-20T14:52:46","modified_gmt":"2024-09-20T19:52:46","slug":"quan-he-doi-tac-dang-chuyen-doi-phan-phoi-cho-cac-dong-thuong-mai","status":"publish","type":"insight","link":"https:\/\/bolttech.io\/vi\/insights\/quan-he-doi-tac-dang-chuyen-doi-phan-phoi-cho-cac-dong-thuong-mai\/","title":{"rendered":"Quan h\u1ec7 \u0111\u1ed1i t\u00e1c \u0111ang chuy\u1ec3n \u0111\u1ed5i ph\u00e2n ph\u1ed1i cho c\u00e1c d\u00f2ng th\u01b0\u01a1ng m\u1ea1i"},"content":{"rendered":"\n

COVID-19 \u0111\u00e3 \u0111\u01b0a \u0111\u1ea5t n\u01b0\u1edbc l\u00ean internet v\u1edbi m\u1ed9t lo\u1ea1t c\u00e1c m\u1eb7t h\u00e0ng, t\u1eeb h\u00e0ng h\u00f3a b\u00e1n l\u1ebb \u0111\u1ebfn b\u1ea3o hi\u1ec3m.\nKhi l\u00e0m nh\u01b0 v\u1eady, \u0111\u1ea1i d\u1ecbch nh\u1ea5n m\u1ea1nh s\u1ef1 c\u1ea7n thi\u1ebft c\u1ee7a m\u1ed9t quy tr\u00ecnh ph\u00e2n ph\u1ed1i k\u1ef9 thu\u1eadt s\u1ed1 ho\u00e0n ch\u1ec9nh. <\/p>\n\n

C\u00e1c h\u00e3ng v\u1eadn t\u1ea3i v\u00e0 \u0111\u1ea1i l\u00fd c\u1ea7n c\u00f3 kh\u1ea3 n\u0103ng ti\u1ebfp th\u1ecb c\u00e1c s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m, b\u00e1n h\u1ee3p \u0111\u1ed3ng v\u00e0 r\u00e0ng bu\u1ed9c c\u00e1c d\u00f2ng th\u01b0\u01a1ng m\u1ea1i b\u1ea3o hi\u1ec3m v\u00e0 d\u1ecbch v\u1ee5 k\u1ef9 thu\u1eadt s\u1ed1 th\u00f4ng qua m\u1ed9t n\u1ec1n t\u1ea3ng tr\u1ef1c tuy\u1ebfn d\u1ec5 d\u00e0ng cho kh\u00e1ch h\u00e0ng truy c\u1eadp.\nTrong khi h\u00e0ng ch\u1ee5c c\u00f4ng ty insurtech \u0111\u00e3 gi\u1ea3i quy\u1ebft c\u00e1c kh\u00eda c\u1ea1nh kh\u00e1c nhau c\u1ee7a v\u1ea5n \u0111\u1ec1 n\u00e0y, c\u00f4ng vi\u1ec7c v\u1eabn c\u00f2n \u0111\u1ec3 t\u00edch h\u1ee3p c\u00e1c gi\u1ea3i ph\u00e1p m\u1edbi n\u00e0y v\u00e0o m\u1ed9t g\u00f3i duy nh\u1ea5t, hi\u1ec7u qu\u1ea3 m\u00e0 c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m s\u1ebd th\u1ea5y d\u1ec5 s\u1eed d\u1ee5ng. <\/p>\n\n

Quan h\u1ec7 \u0111\u1ed1i t\u00e1c bao g\u1ed3m c\u00e1c h\u00e3ng v\u1eadn t\u1ea3i, \u0111\u1ea1i l\u00fd v\u00e0 c\u00f4ng ty insurtech mang l\u1ea1i l\u1ee3i th\u1ebf c\u1ea1nh tranh trong m\u1ed9t th\u1ebf gi\u1edbi b\u1ecb bi\u1ebfn \u0111\u1ed5i b\u1edfi \u0111\u1ea1i d\u1ecbch.\nB\u00e2y gi\u1edd l\u00e0 l\u00fac \u0111\u1ec3 n\u1eafm l\u1ea5y m\u1ed9t \u0111\u1ed9i ng\u0169 v\u1eadn chuy\u1ec3n-\u0111\u1ea1i l\u00fd-insurtech m\u1ea1nh m\u1ebd. <\/p>\n\n

Nhu c\u1ea7u k\u1ef9 thu\u1eadt s\u1ed1 trong m\u1ed9t th\u1ebf gi\u1edbi h\u1eadu \u0111\u1ea1i d\u1ecbch<\/h2>\n\n

Ph\u00e2n ph\u1ed1i b\u1ea3o hi\u1ec3m k\u1ef9 thu\u1eadt s\u1ed1 kh\u00f4ng b\u1eaft \u0111\u1ea7u v\u1edbi \u0111\u1ea1i d\u1ecbch COVID-19.\nTuy nhi\u00ean, \u0111\u1ea1i d\u1ecbch \u0111\u00e3 l\u00e0m gia t\u0103ng \u00e1p l\u1ef1c l\u00ean c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m, \u0111\u1ea1i l\u00fd v\u00e0 kh\u00e1ch h\u00e0ng trong vi\u1ec7c ti\u1ebfn h\u00e0nh kinh doanh trong m\u00f4i tr\u01b0\u1eddng k\u1ef9 thu\u1eadt s\u1ed1 b\u1ea5t c\u1ee9 khi n\u00e0o c\u00f3 th\u1ec3. <\/p>\n\n

C\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m t\u1eadp trung v\u00e0o ph\u00e2n ph\u1ed1i k\u1ef9 thu\u1eadt s\u1ed1 th\u01b0\u1eddng r\u01a1i v\u00e0o m\u1ed9t trong hai lo\u1ea1i.\nDanh m\u1ee5c \u0111\u1ea7u ti\u00ean bao g\u1ed3m c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m x\u00e2y d\u1ef1ng c\u00e1c c\u00f4ng c\u1ee5 v\u00e0 n\u1ec1n t\u1ea3ng m\u00e0 c\u00e1c nh\u00e0 cung c\u1ea5p d\u1ecbch v\u1ee5 c\u1ea7n \u0111\u1ec3 ti\u1ebfp c\u1eadn kh\u00e1ch h\u00e0ng v\u00e0 ph\u00e2n ph\u1ed1i s\u1ea3n ph\u1ea9m c\u1ee7a ri\u00eang h\u1ecd.\nC\u00e1c c\u00f4ng ty n\u00e0y th\u01b0\u1eddng kh\u00f4ng t\u1ef1 ph\u00e2n ph\u1ed1i b\u1ea3o hi\u1ec3m; Thay v\u00e0o \u0111\u00f3, ch\u00fang gi\u00fap c\u00e1c \u0111\u1ea1i l\u00fd v\u00e0 nh\u00e0 cung c\u1ea5p d\u1ecbch v\u1ee5 ti\u1ebfp c\u1eadn kh\u00e1ch h\u00e0ng, t\u1ea1o b\u00e1o gi\u00e1 v\u00e0 r\u00e0ng bu\u1ed9c ph\u1ea1m vi b\u1ea3o hi\u1ec3m. <\/p>\n\n

Lo\u1ea1i th\u1ee9 hai bao g\u1ed3m c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m t\u00ecm c\u00e1ch \u0111\u1ecbnh v\u1ecb m\u00ecnh l\u00e0 c\u1eeda ng\u00f5 b\u1ea3o hi\u1ec3m cho kh\u00e1ch h\u00e0ng.\nC\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m trong l\u0129nh v\u1ef1c n\u00e0y c\u00f3 xu h\u01b0\u1edbng g\u1eafn b\u00f3 v\u1edbi m\u1ed9t trong ba m\u00f4 h\u00ecnh ph\u00e2n ph\u1ed1i: m\u00f4i gi\u1edbi, t\u1ed5ng \u0111\u1ea1i l\u00fd qu\u1ea3n l\u00fd (MGA) ho\u1eb7c nh\u00e0 cung c\u1ea5p d\u1ecbch v\u1ee5 to\u00e0n di\u1ec7n, Alex Lazarow<\/a>, ng\u01b0\u1eddi d\u1ea1y tinh th\u1ea7n kinh doanh t\u1ea1i Vi\u1ec7n Nghi\u00ean c\u1ee9u Qu\u1ed1c t\u1ebf Middlebury cho bi\u1ebft. <\/p>\n\n

C\u00e1c h\u00e3ng v\u1eadn t\u1ea3i \u0111\u01b0\u1ee3c h\u01b0\u1edfng l\u1ee3i t\u1eeb quan h\u1ec7 \u0111\u1ed1i t\u00e1c v\u1edbi c\u00e1c nh\u00e0 m\u00f4i gi\u1edbi v\u00e0 c\u00e1c h\u00e3ng v\u1eadn chuy\u1ec3n MGA b\u1eb1ng c\u00e1ch \u00e1p d\u1ee5ng m\u1ed9t ph\u01b0\u01a1ng ti\u1ec7n ph\u00e2n ph\u1ed1i b\u1ea3o hi\u1ec3m kh\u00e1c.\nH\u1ecd c\u0169ng c\u00f3 th\u1ec3 h\u01b0\u1edfng l\u1ee3i t\u1eeb vi\u1ec7c hi\u1ec3u c\u00e1c h\u00e3ng v\u1eadn chuy\u1ec3n to\u00e0n di\u1ec7n, th\u01b0\u1eddng d\u1ef1a v\u00e0o c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c th\u00e0nh l\u1eadp \u0111\u1ec3 cung c\u1ea5p t\u00e1i b\u1ea3o hi\u1ec3m ho\u1eb7c \u0111\u1eb7t b\u1ea3o hi\u1ec3m m\u00e0 insurtech kh\u00f4ng th\u1ec3 t\u1ef1 x\u1eed l\u00fd. <\/p>\n\n

C\u00f4ng ty c\u1ee7a Three: Insurtech l\u00e0 \u0111\u1ed1i t\u00e1c c\u1ea7n thi\u1ebft trong ph\u00e2n ph\u1ed1i<\/h3>\n\n

Virus corona ch\u1ee7ng m\u1edbi \u0111\u00e3 chuy\u1ec3n ph\u1ea7n l\u1edbn ho\u1ea1t \u0111\u1ed9ng kinh doanh tr\u00ean th\u1ebf gi\u1edbi sang c\u00e1c k\u00eanh k\u1ef9 thu\u1eadt s\u1ed1, bao g\u1ed3m c\u1ea3 kinh doanh b\u1ea3o hi\u1ec3m.\nB\u1eb1ng c\u00e1ch \u0111\u00f3, n\u00f3 \u0111\u00e3 ph\u00e1 v\u1ee1 c\u00e1ch th\u1ee9c kinh doanh c\u1ee7a c\u00e1c h\u00e3ng b\u1ea3o hi\u1ec3m v\u00e0 \u0111\u1ea1i l\u00fd. <\/p>\n\n

M\u1ed9t cu\u1ed9c kh\u1ea3o s\u00e1t v\u00e0o th\u00e1ng 5\/2020 \u0111\u1ed1i v\u1edbi c\u00e1c \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m \u1edf M\u1ef9 cho th\u1ea5y g\u1ea7n m\u1ed9t n\u1eeda s\u1ed1 \u0111\u1ea1i l\u00fd \u0111\u01b0\u1ee3c kh\u1ea3o s\u00e1t cho r\u1eb1ng “x\u00e2y d\u1ef1ng m\u1ed1i quan h\u1ec7 kh\u00e1ch h\u00e0ng m\u1edbi t\u1eeb xa” l\u00e0 th\u00e1ch th\u1ee9c h\u00e0ng \u0111\u1ea7u c\u1ee7a h\u1ecd trong th\u1eddi k\u1ef3 \u0111\u1ea1i d\u1ecbch, Simon Kaesler<\/a> v\u00e0 c\u00e1c nh\u00e0 nghi\u00ean c\u1ee9u \u0111\u1ed3ng nghi\u1ec7p t\u1ea1i McKinsey vi\u1ebft.\nTrong khi \u0111\u00f3, c\u00e1c nh\u00e0 m\u1ea1ng cung c\u1ea5p c\u00e1c k\u00eanh ph\u00e2n ph\u1ed1i tr\u1ef1c ti\u1ebfp \u0111\u00e3 ch\u1ee9ng ki\u1ebfn s\u1ef1 quan t\u00e2m ng\u00e0y c\u00e0ng t\u0103ng, nh\u01b0ng kh\u00f4ng ph\u1ea3i l\u00fac n\u00e0o h\u1ecd c\u0169ng c\u00f3 kh\u1ea3 n\u0103ng tr\u1ea3 l\u1eddi c\u00e1c c\u00e2u h\u1ecfi c\u1ee7a kh\u00e1ch h\u00e0ng ho\u1eb7c gi\u1eef \u0111\u01b0\u1ee3c s\u1ef1 quan t\u00e2m c\u1ee7a kh\u00e1ch h\u00e0ng. <\/p>\n\n

\u0110\u1ec3 \u0111\u00e1p \u1ee9ng nh\u1eefng th\u00e1ch th\u1ee9c n\u00e0y, Kaesler v\u00e0 nh\u00f3m McKinsey khuy\u1ebfn ngh\u1ecb c\u00e1c h\u00e3ng v\u1eadn t\u1ea3i v\u00e0 \u0111\u1ea1i l\u00fd xem x\u00e9t quan h\u1ec7 \u0111\u1ed1i t\u00e1c insurtech.\nH\u1ecd \u0111\u1ec1 c\u1eadp r\u1eb1ng c\u00e1c c\u00f4ng c\u1ee5 insurtech c\u00f3 th\u1ec3 cho ph\u00e9p c\u00e1c h\u00e3ng v\u1eadn t\u1ea3i v\u00e0 \u0111\u1ea1i l\u00fd thu h\u1eb9p kho\u1ea3ng c\u00e1ch v\u00e0 cung c\u1ea5p tr\u1ea3i nghi\u1ec7m c\u00f3 \u00fd ngh\u0129a cho kh\u00e1ch h\u00e0ng b\u1ea3o hi\u1ec3m. <\/p>\n\n

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

\u0110\u01b0a c\u00e1c \u0111\u1ea1i l\u00fd tham gia v\u1edbi c\u00e1c gi\u1ea3i ph\u00e1p Insurtech<\/h2>\n\n

Trong nhi\u1ec1u n\u0103m, c\u00e1c \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m \u0111\u00e3 nh\u00ecn insurtech v\u1edbi s\u1ef1 ho\u00e0i nghi.\nM\u1ed9t th\u1ebf gi\u1edbi trong \u0111\u00f3 ph\u00e2n ph\u1ed1i k\u1ef9 thu\u1eadt s\u1ed1 tr\u1edf th\u00e0nh ti\u00eau chu\u1ea9n d\u01b0\u1eddng nh\u01b0 l\u00e0 m\u1ed9t th\u1ebf gi\u1edbi c\u1eaft c\u00e1c \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m ra kh\u1ecfi v\u00f2ng ph\u00e2n ph\u1ed1i. <\/p>\n\n

May m\u1eafn cho c\u00e1c \u0111\u1eb7c v\u1ee5, nh\u1eefng n\u1ed7i s\u1ee3 h\u00e3i n\u00e0y d\u01b0\u1eddng nh\u01b0 v\u1eabn c\u00f2n trong l\u0129nh v\u1ef1c \u0111\u1ea7u c\u01a1.\nThay v\u00ec chuy\u1ec3n ho\u00e0n to\u00e0n sang mua b\u1ea3o hi\u1ec3m tr\u1ef1c tuy\u1ebfn, c\u00e1c doanh nghi\u1ec7p nh\u1ecf \u0111\u00e3 d\u1ef1a v\u00e0o s\u1ef1 k\u1ebft h\u1ee3p gi\u1eefa truy c\u1eadp k\u1ef9 thu\u1eadt s\u1ed1 v\u00e0 m\u1ed1i quan h\u1ec7 \u0111\u1ea1i l\u00fd \u0111\u1ec3 \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh b\u1ea3o hi\u1ec3m c\u1ee7a h\u1ecd. <\/p>\n\n

Ph\u00e2n ph\u1ed1i k\u1ef9 thu\u1eadt s\u1ed1 c\u00f3 th\u1ec3 gi\u00fap vi\u1ec7c ti\u1ebfp c\u1eadn v\u1edbi c\u00e1c nh\u00e0 m\u1ea1ng d\u1ec5 d\u00e0ng h\u01a1n, nh\u01b0ng n\u00f3 kh\u00f4ng tr\u1ea3 l\u1eddi \u0111\u01b0\u1ee3c c\u00e1c c\u00e2u h\u1ecfi m\u00e0 c\u00e1c doanh nghi\u1ec7p c\u00e1 nh\u00e2n ph\u1ea3i \u0111\u1ed1i m\u1eb7t.\nV\u1edbi m\u1ed9t lo\u1ea1t c\u00e1c lo\u1ea1i h\u00ecnh kinh doanh, quy m\u00f4, nhu c\u1ea7u v\u00e0 m\u1ed1i quan t\u00e2m ho\u1ea1t \u0111\u1ed9ng \u0111\u1ed3ng th\u1eddi, doanh nghi\u1ec7p c\u1ea7n s\u1ef1 h\u01b0\u1edbng d\u1eabn c\u1ee7a c\u00e1c \u0111\u1ea1i l\u00fd gi\u00e0u kinh nghi\u1ec7m. <\/p>\n\n

C\u00e1c \u0111\u1ea1i l\u00fd, l\u1ea7n l\u01b0\u1ee3t, c\u00f3 th\u1ec3 h\u01b0\u1edfng l\u1ee3i t\u1eeb insurtech.\nC\u00e1c c\u00f4ng c\u1ee5 Insurtech b\u1ed5 sung cho c\u00f4ng vi\u1ec7c m\u00e0 c\u00e1c \u0111\u1ea1i l\u00fd \u0111\u1ed9c l\u1eadp \u0111ang l\u00e0m.\nH\u1ecd l\u00e0m cho c\u00e1c \u0111\u1ea1i l\u00fd hi\u1ec7u qu\u1ea3 h\u01a1n, c\u1ea3i thi\u1ec7n kh\u1ea3 n\u0103ng ti\u1ebfp c\u1eadn th\u00f4ng tin v\u00e0 kh\u1ea3 n\u0103ng r\u00e0ng bu\u1ed9c ph\u1ea1m vi b\u1ea3o hi\u1ec3m. <\/p>\n\n

Tuy nhi\u00ean, \u0111\u1ec3 n\u1eafm b\u1eaft c\u00e1c c\u00f4ng c\u1ee5 k\u1ef9 thu\u1eadt s\u1ed1 m\u1edbi, tr\u01b0\u1edbc ti\u00ean c\u00e1c \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m c\u1ea7n n\u1eafm l\u1ea5y \u00fd t\u01b0\u1edfng v\u1ec1 insurtech.<\/p>\n\n

\u0110\u1ebfn nay, nhi\u1ec1u c\u00f4ng ty insurtech \u0111\u00e3 t\u1eadp trung v\u00e0o c\u00e1c v\u1ea5n \u0111\u1ec1 m\u00e0 c\u00e1c nh\u00e0 m\u1ea1ng ph\u1ea3i \u0111\u1ed1i m\u1eb7t.\nDo \u0111\u00f3, nhi\u1ec1u \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m \u0111\u1ed9c l\u1eadp cho r\u1eb1ng insurtech ch\u1ec9 t\u1eadp trung v\u00e0o c\u00e1c h\u00e3ng v\u1eadn t\u1ea3i; Tuy nhi\u00ean, b\u1eb1ng c\u00e1ch \u0111\u00f3, c\u00e1c \u0111\u1ea1i l\u00fd n\u00e0y b\u1ecf qua nh\u1eefng c\u00f4ng ty b\u1ea3o hi\u1ec3m chuy\u00ean \u0111\u00e1p \u1ee9ng nhu c\u1ea7u c\u1ee7a \u0111\u1ea1i l\u00fd. <\/p>\n\n

V\u00ed d\u1ee5, m\u1ed9t s\u1ed1 c\u00f4ng ty b\u1ea3o hi\u1ec3m t\u1eadp trung v\u00e0o c\u00e1c v\u1ea5n \u0111\u1ec1 c\u1ee5 th\u1ec3 m\u00e0 c\u00e1c \u0111\u1ea1i l\u00fd \u0111\u1ed9c l\u1eadp ph\u1ea3i \u0111\u1ed1i m\u1eb7t trong c\u00f4ng vi\u1ec7c h\u00e0ng ng\u00e0y c\u1ee7a h\u1ecd.\nB\u1eb1ng c\u00e1ch t\u1eadp trung v\u00e0o c\u00e1c \u0111\u1ea1i l\u00fd \u0111\u1ed9c l\u1eadp v\u00e0 nhu c\u1ea7u c\u1ee7a h\u1ecd, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u00e3 c\u00f3 th\u1ec3 cung c\u1ea5p gi\u1ea3i ph\u00e1p cho c\u00e1c v\u1ea5n \u0111\u1ec1 \u0111\u00e3 g\u00e2y kh\u00f3 kh\u0103n cho c\u00e1c \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m trong nhi\u1ec1u n\u0103m.\nCh\u00fang bao g\u1ed3m t\u00ecm ki\u1ebfm doanh nghi\u1ec7p m\u1edbi, gi\u1eef ch\u00e2n kh\u00e1ch h\u00e0ng v\u00e0 l\u00e0m cho c\u00f4ng vi\u1ec7c h\u00e0ng ng\u00e0y c\u1ee7a \u0111\u1ea1i l\u00fd hi\u1ec7u qu\u1ea3 h\u01a1n. <\/p>\n\n

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

\u0110\u1eb7t n\u00f3 l\u1ea1i v\u1edbi nhau: Quan h\u1ec7 \u0111\u1ed1i t\u00e1c v\u1eadn chuy\u1ec3n-\u0111\u1ea1i l\u00fd-Insurtech \u0111ang thay \u0111\u1ed5i c\u00e1c d\u00f2ng th\u01b0\u01a1ng m\u1ea1i nh\u01b0 th\u1ebf n\u00e0o<\/h2>\n\n

C\u00f4ng vi\u1ec7c b\u1ea3o hi\u1ec3m \u0111ang thay \u0111\u1ed5i nhanh ch\u00f3ng \u0111\u1ec3 \u0111\u1ed1i ph\u00f3 v\u1edbi \u0111\u1ea1i d\u1ecbch v\u00e0 c\u00e1c \u00e1p l\u1ef1c kh\u00e1c, bao g\u1ed3m c\u1ea3 vi\u1ec7c chuy\u1ec3n \u0111\u1ed5i kinh doanh li\u00ean t\u1ee5c t\u1eeb n\u1ec1n t\u1ea3ng t\u01b0\u01a1ng t\u1ef1 sang n\u1ec1n t\u1ea3ng k\u1ef9 thu\u1eadt s\u1ed1.<\/p>\n\n

M\u1ed9t s\u1ed1 thay \u0111\u1ed5i, \u0111\u00e3 \u0111\u01b0\u1ee3c ti\u1ebfn h\u00e0nh, \u0111\u00e3 \u0111\u01b0\u1ee3c \u0111\u1ea9y nhanh b\u1edfi COVID-19; Nh\u1eefng ng\u01b0\u1eddi kh\u00e1c t\u1ea5n c\u00f4ng s\u00e2u h\u01a1n nhi\u1ec1u, \u0111\u00f2i h\u1ecfi s\u1ef1 ch\u00fa \u00fd \u0111\u1ebfn n\u1ec1n t\u1ea3ng c\u1ee7a ch\u00ednh doanh nghi\u1ec7p.\nV\u00ed d\u1ee5, c\u00e1c doanh nghi\u1ec7p trong m\u1ecdi ng\u00e0nh c\u00f4ng nghi\u1ec7p \u0111ang h\u1ecdc t\u1ea7m quan tr\u1ecdng c\u1ee7a kh\u1ea3 n\u0103ng ph\u1ee5c h\u1ed3i v\u00e0 s\u1ef1 c\u1ea7n thi\u1ebft c\u1ee7a c\u00e1c c\u00f4ng c\u1ee5 h\u1ed7 tr\u1ee3 n\u00f3, Kevin Sneader v\u00e0 Shubham Singhal<\/a> t\u1ea1i McKinsey vi\u1ebft. <\/p>\n\n

M\u1ed1i quan h\u1ec7 b\u1ec1n ch\u1eb7t, linh ho\u1ea1t gi\u1eefa c\u00e1c h\u00e3ng v\u1eadn t\u1ea3i, \u0111\u1ea1i l\u00fd v\u00e0 c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 cung c\u1ea5p n\u1ec1n t\u1ea3ng cho ho\u1ea1t \u0111\u1ed9ng kinh doanh b\u1ea3o hi\u1ec3m s\u1ed1ng s\u00f3t sau c\u00fa s\u1ed1c c\u1ee7a \u0111\u1ea1i d\u1ecbch hi\u1ec7n t\u1ea1i v\u00e0 b\u1ea5t k\u1ef3 s\u1ef1 gi\u00e1n \u0111o\u1ea1n n\u00e0o kh\u00e1c v\u1eabn kh\u00f4ng l\u01b0\u1eddng tr\u01b0\u1edbc \u0111\u01b0\u1ee3c.<\/p>\n\n

Qu\u1ea3n l\u00fd r\u1ee7i ro b\u1eb1ng c\u00e1ch \u00e1p d\u1ee5ng quan h\u1ec7 \u0111\u1ed1i t\u00e1c Insurtech<\/h3>\n\n

Quan h\u1ec7 \u0111\u1ed1i t\u00e1c cho ph\u00e9p c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m qu\u1ea3n l\u00fd r\u1ee7i ro trong khi v\u1eabn t\u1eadn h\u01b0\u1edfng m\u1ed9t s\u1ed1 l\u1ee3i \u00edch c\u1ee7a vi\u1ec7c s\u1eed d\u1ee5ng c\u00f4ng ngh\u1ec7 \u0111\u1ec3 ph\u00e2n ph\u1ed1i k\u1ef9 thu\u1eadt s\u1ed1, Tom Super<\/a>, ng\u01b0\u1eddi \u0111\u1ee9ng \u0111\u1ea7u b\u1ea3o hi\u1ec3m t\u00e0i s\u1ea3n v\u00e0 th\u01b0\u01a1ng vong t\u1ea1i J.D. Power cho bi\u1ebft.<\/p>\n\n

B\u1edfi v\u00ec r\u1ea5t \u00edt c\u00f4ng ty b\u1ea3o hi\u1ec3m cung c\u1ea5p m\u1ed1i \u0111e d\u1ecda tr\u1ef1c ti\u1ebfp cho c\u00e1c nh\u00e0 m\u1ea1ng \u0111\u01b0\u1ee3c th\u00e0nh l\u1eadp, quan h\u1ec7 \u0111\u1ed1i t\u00e1c cho ph\u00e9p t\u0103ng tr\u01b0\u1edfng \u1edf c\u1ea3 hai b\u00ean m\u00e0 kh\u00f4ng g\u00e2y nguy hi\u1ec3m cho ho\u1ea1t \u0111\u1ed9ng kinh doanh c\u1ed1t l\u00f5i c\u1ee7a h\u00e3ng v\u1eadn t\u1ea3i ho\u1eb7c insurtech.\nM\u1ed9t quan h\u1ec7 \u0111\u1ed1i t\u00e1c c\u00f3 th\u1ec3 “cam k\u1ebft \u00edt ngu\u1ed3n l\u1ef1c nh\u1ea5t t\u1eeb c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m l\u1edbn trong khi c\u0169ng kh\u00f4ng b\u1ecf l\u1ee1 nh\u1eefng l\u1ee3i \u00edch tr\u01b0\u1edbc m\u1eaft c\u1ee7a c\u00e1c c\u00f4ng ty n\u00e0y v\u00e0 c\u00f3 \u0111\u01b0\u1ee3c nhi\u1ec1u ki\u1ebfn th\u1ee9c m\u00e0 b\u1ea1n c\u00f3 th\u1ec3 k\u1ebft h\u1ee3p v\u00e0o v\u0103n h\u00f3a k\u1ef9 thu\u1eadt s\u1ed1 c\u1ee7a ri\u00eang m\u00ecnh”, Super n\u00f3i. <\/p>\n\n

“N\u1ebfu b\u1ea1n t\u00ecm \u0111\u01b0\u1ee3c \u0111\u1ed1i t\u00e1c InsurTech ph\u00f9 h\u1ee3p, b\u1ea1n c\u00f3 th\u1ec3 \u0111i t\u1eeb con s\u1ed1 0 l\u00ean 60 trong th\u1eddi gian ng\u1eafn h\u01a1n r\u1ea5t nhi\u1ec1u so v\u1edbi vi\u1ec7c x\u00e2y d\u1ef1ng kh\u1ea3 n\u0103ng c\u1ee7a ri\u00eang m\u00ecnh trong n\u1ed9i b\u1ed9”, Jonathan Hendrickson<\/a>, ph\u00f3 ch\u1ee7 t\u1ecbch v\u00e0 ng\u01b0\u1eddi \u0111\u1ee9ng \u0111\u1ea7u b\u1ed9 ph\u1eadn ph\u00e1t tri\u1ec3n insurtech t\u1ea1i Gallagher cho bi\u1ebft.<\/p>\n\n

B\u01b0\u1edbc \u0111\u1ea7u ti\u00ean<\/h3>\n\n

\u0110\u1ed1i v\u1edbi c\u1ea3 nh\u00e0 cung c\u1ea5p d\u1ecbch v\u1ee5 v\u00e0 \u0111\u1ea1i l\u00fd, th\u1ebf gi\u1edbi insurtech cho th\u1ea5y m\u1ed9t s\u1ed1 c\u01a1 h\u1ed9i, bao g\u1ed3m m\u1ed9t s\u1ed1 c\u01a1 h\u1ed9i c\u00f3 th\u1ec3 s\u1ebd mang l\u1ea1i l\u1ee3i \u00edch cho d\u00f9 nh\u00e0 cung c\u1ea5p d\u1ecbch v\u1ee5 di chuy\u1ec3n theo h\u01b0\u1edbng n\u00e0o trong t\u01b0\u01a1ng lai.<\/p>\n\n

Nh\u1eefng c\u01a1 h\u1ed9i n\u00e0y bao g\u1ed3m vi\u1ec7c t\u1ea1o ra c\u00e1c s\u1ea3n ph\u1ea9m \u0111\u01b0\u1ee3c ti\u00eau chu\u1ea9n h\u00f3a v\u00e0 \u0111\u1ecbnh gi\u00e1 ch\u00fang \u0111\u1ec3 ch\u00fang c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c b\u00e1n theo ki\u1ec3u m\u00f4-\u0111un, gi\u00fap c\u00e1c \u0111\u1ea1i l\u00fd v\u00e0 kh\u00e1ch h\u00e0ng d\u1ec5 hi\u1ec3u h\u01a1n v\u1ec1 s\u1ea3n ph\u1ea9m.\nVi\u1ec7c t\u1eadp trung v\u00e0o vi\u1ec7c s\u1eed d\u1ee5ng d\u1eef li\u1ec7u \u0111\u1ec3 hi\u1ec3u r\u00f5 h\u01a1n nhu c\u1ea7u c\u1ee7a kh\u00e1ch h\u00e0ng c\u0169ng c\u00f3 kh\u1ea3 n\u0103ng mang l\u1ea1i l\u1ee3i \u00edch cho c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m t\u00ecm c\u00e1ch ph\u00e1t tri\u1ec3n m\u1ea1nh trong k\u1ef7 nguy\u00ean d\u1eef li\u1ec7u l\u1edbn. <\/p>\n\n

\u0110\u1ed1i v\u1edbi c\u00e1c \u0111\u1ea1i l\u00fd, tr\u1ecdng t\u00e2m ch\u00ednh s\u1ebd l\u00e0 t\u00ecm ki\u1ebfm nh\u1eefng ng\u01b0\u1eddi c\u00f3 th\u1ebf m\u1ea1nh kh\u00f4ng th\u1ec3 thay th\u1ebf b\u1eb1ng c\u00e1c c\u00f4ng c\u1ee5 k\u1ef9 thu\u1eadt s\u1ed1, sau \u0111\u00f3 gi\u00fap nh\u00e2n vi\u00ean v\u00e0 kh\u00e1ch h\u00e0ng c\u1ee7a h\u1ecd s\u1eed d\u1ee5ng c\u00e1c ph\u01b0\u01a1ng ph\u00e1p ph\u00e2n ph\u1ed1i k\u1ef9 thu\u1eadt s\u1ed1 l\u00e0m ph\u01b0\u01a1ng ti\u1ec7n cho m\u1ee5c ti\u00eau chung l\u00e0 \u0111\u1eb7t ph\u1ea1m vi b\u1ea3o hi\u1ec3m ph\u00f9 h\u1ee3p cho \u0111\u00fang kh\u00e1ch h\u00e0ng m\u1ecdi l\u00fac.<\/p>\n\n

C\u00e1c h\u00e3ng b\u1ea3o hi\u1ec3m v\u00e0 \u0111\u1ea1i l\u00fd t\u1eeb l\u00e2u \u0111\u00e3 c\u00f3 m\u1ed1i quan h\u1ec7 \u0111\u00f4i b\u00ean c\u00f9ng c\u00f3 l\u1ee3i.\nC\u1ea3 hai b\u00ean \u0111\u1ec1u \u0111\u01b0\u1ee3c h\u01b0\u1edfng l\u1ee3i t\u1eeb vi\u1ec7c thu h\u00fat kh\u00e1ch h\u00e0ng v\u00e0 duy tr\u00ec l\u00f2ng trung th\u00e0nh c\u1ee7a kh\u00e1ch h\u00e0ng.\nNh\u01b0ng trong khi m\u1ee5c ti\u00eau c\u1ee7a h\u1ecd th\u01b0\u1eddng b\u1ed5 sung cho nhau, c\u00e1c \u0111\u1ea1i l\u00fd v\u00e0 nh\u00e0 cung c\u1ea5p d\u1ecbch v\u1ee5 kh\u00f4ng ph\u1ea3i l\u00fac n\u00e0o c\u0169ng x\u00e2y d\u1ef1ng c\u00e1c m\u1ed1i quan h\u1ec7 h\u1ecd c\u1ea7n \u0111\u1ec3 \u0111\u00e1p \u1ee9ng ch\u00fang.\nK\u1ebft h\u1ee3p c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m nh\u01b0 m\u1ed9t \u0111\u1ed1i t\u00e1c th\u1ee9 ba trong m\u1ed1i quan h\u1ec7 c\u00f3 th\u1ec3 gi\u00fap c\u00e1c \u0111\u1ea1i l\u00fd v\u00e0 nh\u00e0 cung c\u1ea5p d\u1ecbch v\u1ee5 \u0111\u1ea1t \u0111\u01b0\u1ee3c c\u00e1c m\u1ee5c ti\u00eau kinh doanh<\/a> \u0111\u00f3. <\/p>\n\n

H\u00ecnh \u1ea3nh b\u1edfi: daizuoxin\/\u00a9123RF.com, mavoimage\/\u00a9123RF.com, Somsak Sudthangtum\/\u00a9123RF.com<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

COVID-19 \u0111\u00e3 \u0111\u01b0a \u0111\u1ea5t n\u01b0\u1edbc l\u00ean internet v\u1edbi m\u1ed9t lo\u1ea1t c\u00e1c m\u1eb7t h\u00e0ng, t\u1eeb h\u00e0ng h\u00f3a b\u00e1n l\u1ebb \u0111\u1ebfn b\u1ea3o hi\u1ec3m. Khi l\u00e0m nh\u01b0 v\u1eady, \u0111\u1ea1i d\u1ecbch nh\u1ea5n m\u1ea1nh s\u1ef1 c\u1ea7n thi\u1ebft c\u1ee7a m\u1ed9t quy tr\u00ecnh ph\u00e2n ph\u1ed1i k\u1ef9 thu\u1eadt s\u1ed1 ho\u00e0n ch\u1ec9nh. C\u00e1c h\u00e3ng v\u1eadn t\u1ea3i v\u00e0 \u0111\u1ea1i l\u00fd c\u1ea7n c\u00f3 kh\u1ea3 n\u0103ng ti\u1ebfp […]<\/p>\n","protected":false},"featured_media":8615,"template":"","insight-category":[],"class_list":["post-20050","insight","type-insight","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight\/20050","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\/8615"}],"wp:attachment":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/media?parent=20050"}],"wp:term":[{"taxonomy":"insight-category","embeddable":true,"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight-category?post=20050"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}