{"id":20744,"date":"2024-09-27T11:08:57","date_gmt":"2024-09-27T16:08:57","guid":{"rendered":"https:\/\/bolttech.io\/insights\/thi-truong-thuong-mai-nho-da-chin-muoi-cho-viec-tiep-quan-cong-nghe\/"},"modified":"2024-09-27T11:09:05","modified_gmt":"2024-09-27T16:09:05","slug":"thi-truong-thuong-mai-nho-da-chin-muoi-cho-viec-tiep-quan-cong-nghe","status":"publish","type":"insight","link":"https:\/\/bolttech.io\/vi\/insights\/thi-truong-thuong-mai-nho-da-chin-muoi-cho-viec-tiep-quan-cong-nghe\/","title":{"rendered":"Th\u1ecb tr\u01b0\u1eddng th\u01b0\u01a1ng m\u1ea1i nh\u1ecf \u0111\u00e3 ch\u00edn mu\u1ed3i cho vi\u1ec7c ti\u1ebfp qu\u1ea3n c\u00f4ng ngh\u1ec7?"},"content":{"rendered":"\n

C\u00e1c doanh nghi\u1ec7p nh\u1ecf c\u00f3 r\u1ea5t nhi\u1ec1u \u1edf Hoa K\u1ef3 v\u00e0 nhi\u1ec1u doanh nghi\u1ec7p qu\u1ea3n l\u00fd ng\u00e2n s\u00e1ch eo h\u1eb9p b\u1eb1ng c\u00e1ch ho\u1ea1t \u0111\u1ed9ng m\u00e0 kh\u00f4ng c\u00f3 b\u1ea3o hi\u1ec3m \u0111\u1ea7y \u0111\u1ee7.\nC\u00e1c ch\u1ee7 doanh nghi\u1ec7p nh\u1ecf c\u00f3 xu h\u01b0\u1edbng \u0111\u1ea7u t\u01b0 s\u00e2u v\u00e0o s\u1ef1 th\u00e0nh c\u00f4ng c\u1ee7a li\u00ean doanh c\u1ee7a h\u1ecd v\u00e0 mong \u0111\u1ee3i quy tr\u00ecnh b\u1ea3o hi\u1ec3m song song v\u1edbi<\/a> c\u00e1ch ti\u1ebfp c\u1eadn c\u00e1 nh\u00e2n h\u00f3a, b\u1ea3o hi\u1ec3m ngay b\u00e2y gi\u1edd \u0111ang thay \u0111\u1ed5i c\u00e1c d\u00f2ng c\u00e1 nh\u00e2n. <\/p>\n\n

Nh\u1eefng k\u1ef3 v\u1ecdng thay \u0111\u1ed5i n\u00e0y \u0111\u00e3 s\u1eb5n s\u00e0ng cho th\u1ecb tr\u01b0\u1eddng b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng m\u1ea1i nh\u1ecf \u0111\u1ec3 th\u1ed1ng tr\u1ecb b\u1edfi m\u1ed9t s\u1ed1 \u00edt c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m cam k\u1ebft tr\u1ea3i nghi\u1ec7m t\u1eadp trung v\u00e0o k\u1ef9 thu\u1eadt s\u1ed1 cho kh\u00e1ch h\u00e0ng.\nM\u1ed9t th\u1ecb tr\u01b0\u1eddng nh\u01b0 v\u1eady s\u1ebd ho\u1ea1t \u0111\u1ed9ng theo m\u1ed9t c\u00e1ch kh\u00e1c bi\u1ec7t \u0111\u00e1ng k\u1ec3 so v\u1edbi c\u00f4ng vi\u1ec7c b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng m\u1ea1i nh\u1ecf truy\u1ec1n th\u1ed1ng. <\/p>\n\n

Kh\u00e1ch h\u00e0ng mua b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng m\u1ea1i nh\u1ecf mu\u1ed1n g\u00ec<\/h2>\n\n

C\u01a1 quan Qu\u1ea3n l\u00fd Doanh nghi\u1ec7p Nh\u1ecf \u01b0\u1edbc t\u00ednh<\/a> r\u1eb1ng Hoa K\u1ef3 c\u00f3 30,7 tri\u1ec7u doanh nghi\u1ec7p nh\u1ecf, chi\u1ebfm 99,9% t\u1ed5ng s\u1ed1 doanh nghi\u1ec7p Hoa K\u1ef3.\nTrong s\u1ed1 n\u00e0y, SBA l\u01b0u \u00fd<\/a> r\u1eb1ng kho\u1ea3ng 23,8 tri\u1ec7u, t\u01b0\u01a1ng \u0111\u01b0\u01a1ng 80% c\u1ee7a t\u1ea5t c\u1ea3 c\u00e1c doanh nghi\u1ec7p, l\u00e0 “c\u00e1c c\u00f4ng ty kh\u00f4ng s\u1eed d\u1ee5ng lao \u0111\u1ed9ng”. <\/p>\n\n

C\u00e1c c\u00f4ng ty kh\u00f4ng s\u1eed d\u1ee5ng lao \u0111\u1ed9ng kh\u00f4ng c\u00f3 nh\u00e2n vi\u00ean; T\u1ea5t c\u1ea3 c\u00f4ng vi\u1ec7c c\u1ee7a h\u1ecd \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n b\u1edfi ch\u1ee7 s\u1edf h\u1eefu ho\u1eb7c ch\u1ee7 s\u1edf h\u1eefu c\u1ee7a h\u1ecd.\nCh\u00fang c\u00f3 th\u1ec3 bao g\u1ed3m quy\u1ec1n s\u1edf h\u1eefu duy nh\u1ea5t, quan h\u1ec7 \u0111\u1ed1i t\u00e1c v\u00e0 m\u1ed9t s\u1ed1 lo\u1ea1i t\u1eadp \u0111o\u00e0n nh\u1ea5t \u0111\u1ecbnh. <\/p>\n\n

C\u00e1c c\u00f4ng ty phi s\u1eed d\u1ee5ng lao \u0111\u1ed9ng n\u00e0y \u0111\u1ea1i di\u1ec7n cho m\u1ed9t th\u1ecb tr\u01b0\u1eddng ch\u01b0a \u0111\u01b0\u1ee3c khai th\u00e1c \u0111\u00e1ng k\u1ec3 cho c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m.\nV\u00ec ch\u1ee7 s\u1edf h\u1eefu ho\u1eb7c ch\u1ee7 s\u1edf h\u1eefu c\u1ee7a h\u1ecd g\u1eafn b\u00f3 m\u1eadt thi\u1ebft v\u1edbi c\u00f4ng vi\u1ec7c c\u1ee7a doanh nghi\u1ec7p, h\u1ecd th\u01b0\u1eddng kh\u00f4ng ph\u00e2n bi\u1ec7t gi\u1eefa vai tr\u00f2 l\u00e0 ch\u1ee7 doanh nghi\u1ec7p v\u00e0 vai tr\u00f2 c\u1ee7a h\u1ecd v\u1edbi t\u01b0 c\u00e1ch l\u00e0 m\u1ed9t c\u00e1 nh\u00e2n. <\/p>\n\n

Khi n\u00f3i \u0111\u1ebfn vi\u1ec7c mua b\u1ea3o hi\u1ec3m, sau \u0111\u00f3, c\u00e1c ch\u1ee7 doanh nghi\u1ec7p nh\u1ecf n\u00e0y th\u01b0\u1eddng mong \u0111\u1ee3i d\u1ecbch v\u1ee5 ch\u00ednh x\u00e1c t\u01b0\u01a1ng t\u1ef1 cho doanh nghi\u1ec7p c\u1ee7a h\u1ecd m\u00e0 h\u1ecd mong \u0111\u1ee3i khi mua b\u1ea3o hi\u1ec3m c\u00e1 nh\u00e2n cho nh\u00e0 ho\u1eb7c xe h\u01a1i c\u1ee7a h\u1ecd.\nTuy nhi\u00ean, nhi\u1ec1u h\u00e3ng v\u1eadn t\u1ea3i th\u01b0\u01a1ng m\u1ea1i nh\u1ecf cung c\u1ea5p \u00edt c\u00e1 nh\u00e2n h\u00f3a v\u00e0 hi\u1ec7u qu\u1ea3 h\u01a1n cho c\u00e1c d\u00f2ng th\u01b0\u01a1ng m\u1ea1i so v\u1edbi c\u00e1c d\u00f2ng c\u00e1 nh\u00e2n t\u01b0\u01a1ng \u0111\u01b0\u01a1ng, Paul Lubbers<\/a> t\u1ea1i McKinsey n\u00f3i. <\/p>\n\n

R\u1ee7i ro l\u1edbn cho c\u00e1c doanh nghi\u1ec7p nh\u1ecf<\/h3>\n\n

C\u00e1c ch\u1ee7 doanh nghi\u1ec7p nh\u1ecf mong mu\u1ed1n c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u0169ng hi\u1ec3u \u0111\u01b0\u1ee3c nh\u1eefng r\u1ee7i ro ph\u00e1t tri\u1ec3n m\u00e0 h\u1ecd ph\u1ea3i \u0111\u1ed1i m\u1eb7t.<\/p>\n\n

“B\u1ea3o hi\u1ec3m c\u1ea7n ph\u1ea3i th\u00edch \u1ee9ng v\u1edbi doanh nghi\u1ec7p nh\u1ecf ng\u00e0y nay, b\u1edfi v\u00ec c\u00e1c doanh nghi\u1ec7p nh\u1ecf \u0111\u00e3 th\u1ef1c s\u1ef1 th\u1ea5y s\u1ef1 thay \u0111\u1ed5i trong nh\u1eefng r\u1ee7i ro m\u00e0 h\u1ecd ph\u1ea3i \u0111\u1ed1i m\u1eb7t”, Ben Rose<\/a>, \u0111\u1ed3ng s\u00e1ng l\u1eadp v\u00e0 gi\u00e1m \u0111\u1ed1c b\u1ea3o l\u00e3nh ph\u00e1t h\u00e0nh t\u1ea1i Digital Risks \u1edf London cho bi\u1ebft.\n“M\u1ed9t th\u1eadp k\u1ef7 tr\u01b0\u1edbc, r\u1ee7i ro l\u1edbn nh\u1ea5t m\u00e0 m\u1ed9t doanh nghi\u1ec7p ph\u1ea3i \u0111\u1ed1i m\u1eb7t l\u00e0 r\u1ee7i ro v\u1eadt ch\u1ea5t, nh\u01b0ng trong nhi\u1ec1u tr\u01b0\u1eddng h\u1ee3p, \u0111i\u1ec1u \u0111\u00f3 \u0111\u00e3 thay \u0111\u1ed5i.” <\/p>\n\n

Nhi\u1ec1u doanh nghi\u1ec7p nh\u1ecf v\u1eabn ph\u1ea3i \u0111\u1ed1i m\u1eb7t v\u1edbi nh\u1eefng r\u1ee7i ro nh\u01b0 h\u1ecfa ho\u1ea1n ho\u1eb7c l\u0169 l\u1ee5t.\nTuy nhi\u00ean, h\u1ecd c\u0169ng ph\u1ea3i \u0111\u1ed1i m\u1eb7t v\u1edbi nh\u1eefng r\u1ee7i ro nh\u01b0 vi ph\u1ea1m d\u1eef li\u1ec7u v\u00e0 t\u1ea5n c\u00f4ng ransomware, \u0111\u1eb7c bi\u1ec7t l\u00e0 khi h\u1ecd ho\u1ea1t \u0111\u1ed9ng trong m\u00f4i tr\u01b0\u1eddng k\u1ef9 thu\u1eadt s\u1ed1 \u0111\u01a1n thu\u1ea7n ho\u1eb7c khi h\u1ecd kh\u1edfi ch\u1ea1y m\u1ed9t trang web ho\u1eb7c c\u1eeda h\u00e0ng k\u1ef9 thu\u1eadt s\u1ed1 \u0111\u1ec3 thu h\u00fat nhi\u1ec1u kh\u00e1ch h\u00e0ng h\u01a1n. <\/p>\n\n

“V\u1edbi s\u1ef1 ra \u0111\u1eddi c\u1ee7a internet, qu\u1ea3ng tr\u01b0\u1eddng th\u1ecb tr\u1ea5n t\u1ee5c ng\u1eef hi\u1ec7n \u0111ang b\u1ecb c\u1ea1nh tranh b\u1edfi c\u00e1c n\u1ec1n t\u1ea3ng k\u1ef9 thu\u1eadt s\u1ed1 tr\u1ef1c tuy\u1ebfn”, Holger M\u00fcnch, Noel Garry v\u00e0 Christian Bieck<\/a> t\u1ea1i Vi\u1ec7n Gi\u00e1 tr\u1ecb Kinh doanh IBM vi\u1ebft.\nC\u00e1c doanh nghi\u1ec7p nh\u1ecf \u0111ang ng\u00e0y c\u00e0ng tham gia v\u00e0o qu\u1ea3ng tr\u01b0\u1eddng th\u1ecb tr\u1ea5n k\u1ef9 thu\u1eadt s\u1ed1 n\u00e0y, \u0111i\u1ec1u \u0111\u00f3 c\u00f3 ngh\u0129a l\u00e0 h\u1ecd ph\u1ea3i \u0111\u1ed1i m\u1eb7t v\u1edbi r\u1ee7i ro k\u1ef9 thu\u1eadt s\u1ed1. <\/p>\n\n

D\u1eef li\u1ec7u tr\u1edf th\u00e0nh r\u1ee7i ro khi n\u00f3 c\u00f3 th\u1ec3 b\u1ecb vi ph\u1ea1m, nh\u01b0ng n\u00f3 c\u0169ng tr\u1edf th\u00e0nh c\u01a1 h\u1ed9i \u0111\u1ec3 cung c\u1ea5p ph\u1ea1m vi b\u1ea3o hi\u1ec3m t\u1ed1t h\u01a1n v\u00e0 c\u1ea3i thi\u1ec7n m\u1ed1i quan h\u1ec7 gi\u1eefa c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u00e0 kh\u00e1ch h\u00e0ng.\n“L\u01b0\u1ee3ng d\u1eef li\u1ec7u kh\u1ed5ng l\u1ed3 \u0111\u01b0\u1ee3c t\u1ea1o ra v\u00e0 thu th\u1eadp m\u1ed7i ng\u00e0y t\u1ea1o c\u01a1 h\u1ed9i cho b\u1ea3o l\u00e3nh ph\u00e1t h\u00e0nh t\u1ed1t h\u01a1n v\u00e0 c\u00e1c s\u1ea3n ph\u1ea9m m\u1edbi”, Nicholas Boyle<\/a> v\u00e0 c\u00e1c chuy\u00ean gia \u0111\u1ed3ng nghi\u1ec7p t\u1ea1i c\u00f4ng ty lu\u1eadt DLA Piper l\u01b0u \u00fd.\n\u0110i\u1ec7n tho\u1ea1i th\u00f4ng minh gi\u00fap kh\u00f4ng ch\u1ec9 ph\u00e2n ph\u1ed1i c\u00e1c s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m d\u1ec5 d\u00e0ng h\u01a1n m\u00e0 th\u00f4ng qua d\u1eef li\u1ec7u \u0111\u00f3, \u0111\u1ec3 hi\u1ec3u r\u00f5 h\u01a1n v\u1ec1 nhu c\u1ea7u c\u1ee7a c\u00e1c doanh nghi\u1ec7p nh\u1ecf, cung c\u1ea5p b\u1ea3o hi\u1ec3m c\u1ee5 th\u1ec3 v\u00e0 li\u00ean l\u1ea1c v\u1edbi h\u1ecd khi h\u1ecd ph\u00e1t tri\u1ec3n. <\/p>\n\n

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

\u00c1p d\u1ee5ng c\u00e1c c\u00f4ng c\u1ee5 k\u1ef9 thu\u1eadt s\u1ed1 cho doanh nghi\u1ec7p th\u01b0\u01a1ng m\u1ea1i nh\u1ecf<\/h2>\n\n

\u0110\u1ea7u t\u01b0 Insurtech \u0111\u00e3 t\u0103ng tr\u01b0\u1edfng \u0111\u00e1ng k\u1ec3 trong v\u00e0i n\u0103m qua.\nN\u0103m 2011, t\u1ed5ng v\u1ed1n \u0111\u1ea7u t\u01b0 insurtech tr\u00ean to\u00e0n th\u1ebf gi\u1edbi \u0111\u1ea1t 250 tri\u1ec7u USD; \u0111\u1ebfn n\u0103m 2017, con s\u1ed1 \u0111\u00f3 \u0111\u00e3 \u0111\u1ea1t 2,3 t\u1ef7 USD, v\u1edbi 30% c\u00e1c c\u00f4ng ty kh\u1edfi nghi\u1ec7p insurtech t\u1eadp trung v\u00e0o c\u00e1c d\u00f2ng th\u01b0\u01a1ng m\u1ea1i SME, theo Peter Braad Olesen<\/a> v\u00e0 c\u00e1c nh\u00e0 nghi\u00ean c\u1ee9u \u0111\u1ed3ng nghi\u1ec7p t\u1ea1i McKinsey. <\/p>\n\n

H\u1ea7u h\u1ebft c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m n\u00e0y \u0111\u00e3 t\u1eadp trung v\u00e0o vi\u1ec7c t\u0103ng c\u01b0\u1eddng c\u00e1c ph\u1ea7n ri\u00eang l\u1ebb c\u1ee7a quy tr\u00ecnh b\u1ea3o hi\u1ec3m, ch\u1eb3ng h\u1ea1n nh\u01b0 ph\u00e2n ph\u1ed1i ho\u1eb7c x\u1eed l\u00fd y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng, Olesen et al.\nS\u1ef1 t\u1eadp trung v\u00e0o vi\u1ec7c c\u00e1ch m\u1ea1ng h\u00f3a to\u00e0n b\u1ed9 m\u1ed1i quan h\u1ec7 b\u1ea3o hi\u1ec3m-kh\u00e1ch h\u00e0ng \u0111\u00e3 r\u01a1i v\u00e0o c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c th\u00e0nh l\u1eadp, n\u1ebfu n\u00f3 \u0111\u01b0\u1ee3c gi\u1ea3i quy\u1ebft. <\/p>\n\n

C\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m doanh nghi\u1ec7p nh\u1ecf quan t\u00e2m \u0111\u1ebfn vi\u1ec7c s\u1eed d\u1ee5ng c\u00e1c c\u00f4ng c\u1ee5 k\u1ef9 thu\u1eadt s\u1ed1 \u1edf m\u1ecdi giai \u0111o\u1ea1n c\u1ee7a quy tr\u00ecnh, bao g\u1ed3m c\u1ea3 ph\u00e1t tri\u1ec3n s\u1ea3n ph\u1ea9m.\nKhi kh\u00e1ch h\u00e0ng ph\u00e1t tri\u1ec3n nhi\u1ec1u th\u00f4ng tin h\u01a1n, h\u1ecd mong \u0111\u1ee3i d\u1ecbch v\u1ee5 t\u1ed1t h\u01a1n, b\u1ea3o hi\u1ec3m theo y\u00eau c\u1ea7u v\u00e0 c\u00e1c l\u1ee3i \u00edch kh\u00e1c c\u00f3 th\u1ec3 th\u1ef1c hi\u1ec7n \u0111\u01b0\u1ee3c b\u1edfi m\u1ed9t th\u1ebf gi\u1edbi trong \u0111\u00f3 h\u1ecd c\u00f3 th\u1ec3 k\u1ebft n\u1ed1i v\u1edbi m\u1ed9t c\u00f4ng ty b\u1ea3o hi\u1ec3m \u1edf b\u1ea5t c\u1ee9 \u0111\u00e2u v\u00e0 b\u1ea5t c\u1ee9 l\u00fac n\u00e0o, Michelle Canaan v\u00e0 Kelly Cusick<\/a> t\u1ea1i Deloitte vi\u1ebft.\nDo \u0111\u00f3, \u00e1p l\u1ef1c \u0111\u1ed1i v\u1edbi c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m l\u00e0 t\u1ea1o ra c\u00e1c s\u1ea3n ph\u1ea9m \u0111\u00e1p \u1ee9ng nh\u1eefng nhu c\u1ea7u n\u00e0y v\u00e0 ph\u00e2n ph\u1ed1i ch\u00fang b\u1eb1ng k\u1ef9 thu\u1eadt s\u1ed1. <\/p>\n\n

M\u1ed9t s\u1ed1 c\u00f4ng ty b\u1ea3o hi\u1ec3m l\u1edbn \u0111ang thay \u0111\u1ed5i c\u00e1ch ti\u1ebfp c\u1eadn c\u1ee7a ri\u00eang h\u1ecd \u0111\u1ed1i v\u1edbi b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng m\u1ea1i nh\u1ecf b\u1eb1ng c\u00e1ch t\u00edch h\u1ee3p c\u00e1c c\u00f4ng c\u1ee5 insurtech \u0111\u01b0\u1ee3c nh\u1eafm m\u1ee5c ti\u00eau v\u00e0o quy tr\u00ecnh l\u00e0m vi\u1ec7c c\u1ee7a ri\u00eang h\u1ecd, th\u01b0\u1eddng th\u00f4ng qua mua l\u1ea1i th\u01b0\u01a1ng m\u1ea1i.\n\u0110\u1ed1i v\u1edbi c\u00f4ng ty b\u1ea3o hi\u1ec3m l\u1edbn h\u01a1n, vi\u1ec7c mua l\u1ea1i m\u1ed9t c\u00f4ng ty insurtech c\u00f3 ngh\u0129a l\u00e0 mang l\u1ea1i d\u1eef li\u1ec7u m\u1edbi, s\u1ea3n ph\u1ea9m l\u1ea5y kh\u00e1ch h\u00e0ng l\u00e0m trung t\u00e2m v\u00e0 c\u00f3 l\u1ebd l\u00e0 nh\u1eefng quan \u0111i\u1ec3m m\u1edbi l\u1ea1 c\u1ee7a nh\u00f3m kh\u1edfi nghi\u1ec7p \u0111\u00f3.\nTuy nhi\u00ean, quan tr\u1ecdng nh\u1ea5t, n\u00f3 c\u00f3 ngh\u0129a l\u00e0 mang l\u1ea1i s\u1ef1 \u0111\u1ed5i m\u1edbi m\u1edbi \u0111\u1ec3 th\u00fac \u0111\u1ea9y kh\u1ea3 n\u0103ng c\u1ee7a ch\u00ednh c\u00f4ng ty l\u1edbn h\u01a1n \u0111\u1ec3 ph\u1ee5c v\u1ee5 nhu c\u1ea7u \u0111a d\u1ea1ng c\u1ee7a kh\u00e1ch h\u00e0ng. <\/p>\n\n

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

B\u00e0i h\u1ecdc cho c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m<\/h2>\n\n

“Cu\u1ed9c ch\u01a1i \u0111ang di\u1ec5n ra trong th\u1ecb tr\u01b0\u1eddng th\u01b0\u01a1ng m\u1ea1i d\u00e0nh cho doanh nghi\u1ec7p nh\u1ecf”, Karen Pauli<\/a>, hi\u1ec7u tr\u01b0\u1edfng t\u1ea1i Strategy Meets Action cho bi\u1ebft.\n“N\u1ebfu b\u1ea1n ch\u01b0a l\u00e0m vi\u1ec7c h\u01b0\u1edbng t\u1edbi s\u1ed1 h\u00f3a c\u00e1c d\u00e2y chuy\u1ec1n th\u01b0\u01a1ng m\u1ea1i cho c\u00e1c doanh nghi\u1ec7p c\u00f3 d\u01b0\u1edbi 50 nh\u00e2n vi\u00ean, b\u1ea1n c\u00f3 th\u1ec3 c\u00f3 5 n\u0103m cho \u0111\u1ebfn khi b\u1ea1n b\u1ecb thi\u1ec7t th\u00f2i v\u1ec1 m\u1eb7t c\u1ea1nh tranh \u0111\u1ebfn m\u1ee9c b\u1ea1n ph\u1ea3i ch\u1ecbu s\u1ef1 l\u1ef1a ch\u1ecdn b\u1ea5t l\u1ee3i.” <\/p>\n\n

C\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m n\u1eafm b\u1eaft \u0111\u01b0\u1ee3c t\u00ednh c\u1ea5p b\u00e1ch c\u1ee7a chuy\u1ec3n \u0111\u1ed5i k\u1ef9 thu\u1eadt s\u1ed1 v\u1eabn c\u00f3 th\u1ec3 \u0111\u1ea5u tranh \u0111\u1ec3 \u00e1p d\u1ee5ng kh\u00e1i ni\u1ec7m \u0111\u00f3 m\u1ed9t c\u00e1ch c\u00f3 \u00fd ngh\u0129a cho m\u1ed1i quan h\u1ec7 kh\u00e1ch h\u00e0ng doanh nghi\u1ec7p nh\u1ecf.\n“L\u00e0 m\u1ed9t ng\u00e0nh c\u00f4ng nghi\u1ec7p \u0111ang thay \u0111\u1ed5i, c\u00f3 th\u1ec3 hi\u1ec3u \u0111\u01b0\u1ee3c, c\u00f3 m\u1ed9t lo\u1ea1t c\u00e1c chuy\u1ec3n \u0111\u1ed5i”, Bill Pierznik<\/a>, gi\u00e1m \u0111\u1ed1c \u0111i\u1ec1u h\u00e0nh t\u1ea1i Act-On Software vi\u1ebft.\n“Nhi\u1ec1u nh\u00e0 l\u00e3nh \u0111\u1ea1o th\u1eeba nh\u1eadn r\u1eb1ng thay \u0111\u1ed5i l\u00e0 c\u1ea7n thi\u1ebft nh\u01b0ng h\u1ecd kh\u00f4ng ch\u1eafc m\u1ee5c ti\u00eau c\u1ee5 th\u1ec3 c\u1ee7a nh\u1eefng thay \u0111\u1ed5i \u0111\u00f3 n\u00ean l\u00e0 g\u00ec ho\u1eb7c h\u00e0nh tr\u00ecnh \u0111\u00f3 n\u00ean b\u1eaft \u0111\u1ea7u t\u1eeb \u0111\u00e2u.” <\/p>\n\n

\u1ede \u0111\u00e2y, cho ph\u00e9p kh\u00e1ch h\u00e0ng d\u1eabn \u0111\u1ea7u b\u1eb1ng c\u00e1ch nh\u00ecn th\u1ea5y chuy\u1ec3n \u0111\u1ed5i k\u1ef9 thu\u1eadt s\u1ed1 t\u1eeb quan \u0111i\u1ec3m c\u1ee7a h\u1ecd c\u00f3 th\u1ec3 g\u1ee3i \u00fd con \u0111\u01b0\u1eddng \u0111\u1ed5i m\u1edbi.\nV\u00ed d\u1ee5: truy c\u1eadp k\u1ef9 thu\u1eadt s\u1ed1 d\u1ec5 d\u00e0ng v\u00e0 \u0111\u01b0\u1ee3c c\u00e1 nh\u00e2n h\u00f3a v\u00e0o c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u1ee7a h\u1ecd l\u00e0 \u0111i\u1ec1u kh\u00e1ch h\u00e0ng mu\u1ed1n – c\u00f3 ngh\u0129a l\u00e0 \u0111\u00f3 c\u0169ng l\u00e0 th\u1ee9 h\u1ecd coi tr\u1ecdng. <\/p>\n\n

Ch\u1ee9ng minh gi\u00e1 tr\u1ecb s\u1ebd l\u00e0 \u0111i\u1ec1u c\u1ea7n thi\u1ebft cho c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng m\u1ea1i trong nh\u1eefng th\u00e1ng t\u1edbi.\n“C\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m P&C tr\u00ean to\u00e0n th\u1ebf gi\u1edbi th\u1ef1c s\u1ef1 \u0111ang t\u0103ng kh\u1ed1i l\u01b0\u1ee3ng ph\u00ed b\u1ea3o hi\u1ec3m ch\u1ec9 \u0111\u01a1n gi\u1ea3n b\u1eb1ng c\u00e1ch t\u0103ng l\u00e3i su\u1ea5t, m\u1ed9t ph\u1ea7n \u0111\u1ec3 b\u00f9 \u0111\u1eafp cho tr\u00e1ch nhi\u1ec7m ph\u00e1p l\u00fd v\u00e0 t\u1ed5n th\u1ea5t th\u1ea3m h\u1ecda gia t\u0103ng c\u0169ng nh\u01b0 l\u1ee3i su\u1ea5t th\u1ea5p h\u01a1n \u0111\u1ed1i v\u1edbi ch\u1ee9ng kho\u00e1n c\u00f3 thu nh\u1eadp c\u1ed1 \u0111\u1ecbnh”, Sam Friedman<\/a> v\u00e0 c\u00e1c nh\u00e0 nghi\u00ean c\u1ee9u \u0111\u1ed3ng nghi\u1ec7p t\u1ea1i Deloitte l\u01b0u \u00fd. <\/p>\n\n

Khi c\u00e1c t\u1ef7 l\u1ec7 n\u00e0y t\u0103ng l\u00ean, kh\u00e1ch h\u00e0ng b\u1ea3o hi\u1ec3m c\u00f3 nhi\u1ec1u kh\u1ea3 n\u0103ng mua s\u1eafm xung quanh \u0111\u1ec3 c\u00f3 m\u1ed9t th\u1ecfa thu\u1eadn t\u1ed1t h\u01a1n v\u1ec1 b\u1ea3o hi\u1ec3m ho\u1eb7c t\u1eeb b\u1ecf b\u1ea3o hi\u1ec3m ho\u00e0n to\u00e0n.\nTuy nhi\u00ean, khi c\u00e1c k\u00eanh k\u1ef9 thu\u1eadt s\u1ed1 c\u1ee7a c\u00f4ng ty b\u1ea3o hi\u1ec3m gi\u00fap d\u1ec5 d\u00e0ng b\u1eaft \u0111\u1ea7u v\u00e0 duy tr\u00ec m\u1ed1i quan h\u1ec7, c\u00e1c k\u00eanh \u0111\u00f3 c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c coi l\u00e0 m\u1ed9t trong nh\u1eefng l\u1ee3i \u00edch c\u1ee7a vi\u1ec7c tr\u1ea3 ph\u00ed b\u1ea3o hi\u1ec3m cao h\u01a1n m\u1ed9t ch\u00fat.\nNh\u1eefng kh\u00e1ch h\u00e0ng coi vi\u1ec7c d\u1ec5 d\u00e0ng ti\u1ebfp c\u1eadn l\u00e0 m\u1ed9t l\u1ee3i \u00edch khi l\u00e0m vi\u1ec7c v\u1edbi m\u1ed9t c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u1ee5 th\u1ec3 c\u00f3 nhi\u1ec1u kh\u1ea3 n\u0103ng ch\u1ecbu \u0111\u1ef1ng ph\u00ed b\u1ea3o hi\u1ec3m cao h\u01a1n \u0111\u1ec3 \u0111\u1ed5i l\u1ea5y l\u1ee3i \u00edch \u0111\u00f3. <\/p>\n\n

Nhi\u1ec1u c\u00f4ng ty trong c\u00e1c ng\u00e0nh c\u00f4ng nghi\u1ec7p kh\u00e1c nhau \u0111\u00e3 c\u00f3 \u0111\u01b0\u1ee3c c\u00f4ng ngh\u1ec7 v\u00ec m\u1ee5c \u0111\u00edch mua l\u1ea1i v\u1edbi hy v\u1ecdng l\u1ea7n \u0111\u1ea7u ti\u00ean v\u01b0\u1ee3t qua b\u00e0i \u0111\u0103ng v\u00e0o m\u1ed9t t\u01b0\u01a1ng lai k\u1ef9 thu\u1eadt s\u1ed1.\nTrong khi cu\u1ed9c \u0111ua \u0111\u00f3 \u0111ang di\u1ec5n ra trong b\u1ea3o hi\u1ec3m doanh nghi\u1ec7p nh\u1ecf, n\u00f3 s\u1ebd kh\u00f4ng th\u1ec3 gi\u00e0nh chi\u1ebfn th\u1eafng b\u1eb1ng c\u00e1ch n\u1eafm l\u1ea5y c\u00f4ng ngh\u1ec7 v\u00ec l\u1ee3i \u00edch c\u1ee7a c\u00f4ng ngh\u1ec7. <\/p>\n\n

Thay v\u00e0o \u0111\u00f3, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng m\u1ea1i nh\u1ecf ph\u1ea3i n\u1eafm l\u1ea5y c\u01a1 h\u1ed9i \u0111\u1ec3 suy ngh\u0129 l\u1ea1i v\u1ec1 c\u00e1ch ti\u1ebfp c\u1eadn c\u1ee7a h\u1ecd v\u00e0 \u0111\u1ecbnh h\u00ecnh l\u1ea1i n\u00f3 th\u00f4ng qua vi\u1ec7c s\u1eed d\u1ee5ng c\u00e1c c\u00f4ng c\u1ee5 k\u1ef9 thu\u1eadt s\u1ed1.\nB\u1eb1ng c\u00e1ch n\u1eafm b\u1eaft c\u01a1 h\u1ed9i \u0111\u00f3 ngay b\u00e2y gi\u1edd, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u1ea3m b\u1ea3o v\u1ecb tr\u00ed c\u1ee7a h\u1ecd trong l\u0129nh v\u1ef1c m\u1edbi n\u1ed5i c\u1ee7a c\u00e1c nh\u00e0 l\u00e3nh \u0111\u1ea1o b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng m\u1ea1i nh\u1ecf. <\/p>\n\n

\u1ea2nh: Aleksandr Davydov\/\u00a9123RF.com, Aleksandr Davydov\/\u00a9123RF.com, primagefactory\/\u00a9123RF.com<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

C\u00e1c doanh nghi\u1ec7p nh\u1ecf c\u00f3 r\u1ea5t nhi\u1ec1u \u1edf Hoa K\u1ef3 v\u00e0 nhi\u1ec1u doanh nghi\u1ec7p qu\u1ea3n l\u00fd ng\u00e2n s\u00e1ch eo h\u1eb9p b\u1eb1ng c\u00e1ch ho\u1ea1t \u0111\u1ed9ng m\u00e0 kh\u00f4ng c\u00f3 b\u1ea3o hi\u1ec3m \u0111\u1ea7y \u0111\u1ee7. C\u00e1c ch\u1ee7 doanh nghi\u1ec7p nh\u1ecf c\u00f3 xu h\u01b0\u1edbng \u0111\u1ea7u t\u01b0 s\u00e2u v\u00e0o s\u1ef1 th\u00e0nh c\u00f4ng c\u1ee7a li\u00ean doanh c\u1ee7a h\u1ecd v\u00e0 mong \u0111\u1ee3i quy […]<\/p>\n","protected":false},"featured_media":8438,"template":"","insight-category":[],"class_list":["post-20744","insight","type-insight","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight\/20744","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\/8438"}],"wp:attachment":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/media?parent=20744"}],"wp:term":[{"taxonomy":"insight-category","embeddable":true,"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight-category?post=20744"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}