{"id":20842,"date":"2024-09-30T14:06:42","date_gmt":"2024-09-30T19:06:42","guid":{"rendered":"https:\/\/bolttech.io\/insights\/lam-the-nao-cac-cong-ty-bao-hiem-co-the-tiep-can-khach-hang-moi-bang-cach-hieu-nen-kinh-te-nen-tang\/"},"modified":"2024-09-30T14:06:52","modified_gmt":"2024-09-30T19:06:52","slug":"lam-the-nao-cac-cong-ty-bao-hiem-co-the-tiep-can-khach-hang-moi-bang-cach-hieu-nen-kinh-te-nen-tang","status":"publish","type":"insight","link":"https:\/\/bolttech.io\/vi\/insights\/lam-the-nao-cac-cong-ty-bao-hiem-co-the-tiep-can-khach-hang-moi-bang-cach-hieu-nen-kinh-te-nen-tang\/","title":{"rendered":"L\u00e0m th\u1ebf n\u00e0o c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 ti\u1ebfp c\u1eadn kh\u00e1ch h\u00e0ng m\u1edbi b\u1eb1ng c\u00e1ch hi\u1ec3u n\u1ec1n kinh t\u1ebf n\u1ec1n t\u1ea3ng"},"content":{"rendered":"\n

C\u00e1ch ch\u00fang t\u00f4i kinh doanh v\u1eeba \u0111\u00e1p \u1ee9ng v\u1eeba duy tr\u00ec qu\u00e1 tr\u00ecnh chuy\u1ec3n \u0111\u1ed5i k\u1ef9 thu\u1eadt s\u1ed1 \u0111ang di\u1ec5n ra.\nKhi c\u00e1c doanh nghi\u1ec7p t\u00ecm ra nh\u1eefng c\u00e1ch m\u1edbi \u0111\u1ec3 t\u1eadn d\u1ee5ng truy\u1ec1n th\u00f4ng v\u00e0 n\u1ec1n t\u1ea3ng k\u1ef9 thu\u1eadt s\u1ed1, n\u1ec1n kinh t\u1ebf c\u1ee7a ch\u00fang ta tho\u00e1t kh\u1ecfi s\u1ef1 ph\u1ee5 thu\u1ed9c v\u00e0o v\u1ecb tr\u00ed th\u1ef1c t\u1ebf, c\u0169ng nh\u01b0 v\u00e0o c\u00e1c m\u1eb7t h\u00e0ng h\u1eefu h\u00ecnh nh\u01b0 ch\u00ednh s\u00e1ch gi\u1ea5y. <\/p>\n\n

Bao g\u1ed3m trong qu\u00e1 tr\u00ecnh chuy\u1ec3n \u0111\u1ed5i k\u1ef9 thu\u1eadt s\u1ed1 n\u00e0y l\u00e0 s\u1ef1 tr\u1ed7i d\u1eady c\u1ee7a n\u1ec1n kinh t\u1ebf n\u1ec1n t\u1ea3ng, nh\u00f3m ho\u1ea1t \u0111\u1ed9ng kinh t\u1ebf xung quanh c\u00e1c n\u1ec1n t\u1ea3ng k\u1ef9 thu\u1eadt s\u1ed1 thay v\u00ec c\u00e1c \u0111\u1ecba \u0111i\u1ec3m truy\u1ec1n th\u1ed1ng ho\u1eb7c c\u00e1c ng\u00e0nh c\u00f4ng nghi\u1ec7p r\u1eddi r\u1ea1c.\nTrong khi m\u1ed9t s\u1ed1 c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u00e3 c\u00f3 nh\u1eefng b\u01b0\u1edbc ti\u1ebfn v\u00e0o n\u1ec1n kinh t\u1ebf n\u1ec1n t\u1ea3ng, nhi\u1ec1u c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u01b0\u01a1ng nhi\u1ec7m \u0111\u00e3 do d\u1ef1 trong vi\u1ec7c cam k\u1ebft ho\u00e0n to\u00e0n v\u1edbi s\u1ef1 thay \u0111\u1ed5i. <\/p>\n\n

Tuy nhi\u00ean, n\u1ec1n kinh t\u1ebf n\u1ec1n t\u1ea3ng \u0111\u00e3 c\u00f3 nh\u1eefng b\u01b0\u1edbc ti\u1ebfn \u0111\u00e1ng k\u1ec3 trong c\u00e1c ng\u00e0nh c\u00f4ng nghi\u1ec7p kh\u00e1c.\nNh\u01b0 v\u1eady, n\u00f3 thay \u0111\u1ed5i k\u1ef3 v\u1ecdng c\u1ee7a kh\u00e1ch h\u00e0ng v\u1ec1 t\u00ednh kh\u1ea3 d\u1ee5ng v\u00e0 h\u00e0nh vi b\u1ea3o hi\u1ec3m.\nC\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m hi\u1ec3u v\u00e0 n\u1eafm b\u1eaft m\u00f4 h\u00ecnh n\u1ec1n t\u1ea3ng s\u1edbm s\u1ebd \u0111\u1ea1t \u0111\u01b0\u1ee3c l\u1ee3i th\u1ebf c\u1ea1nh tranh so v\u1edbi nh\u1eefng c\u00f4ng ty kh\u00f4ng hi\u1ec3u. <\/p>\n\n

Hi\u1ec3u v\u1ec1 n\u1ec1n kinh t\u1ebf n\u1ec1n t\u1ea3ng<\/h2>\n\n

N\u1ec1n kinh t\u1ebf c\u1ee7a qu\u00e1 kh\u1ee9 t\u1eadp trung v\u00e0o vi\u1ec7c t\u1ea1o ra v\u00e0 ti\u1ebfp th\u1ecb h\u00e0ng h\u00f3a ho\u1eb7c d\u1ecbch v\u1ee5 c\u1ee5 th\u1ec3.\nN\u1ec1n kinh t\u1ebf m\u1edbi \u0111ang chuy\u1ec3n sang c\u00e1ch ti\u1ebfp c\u1eadn d\u1ef1a tr\u00ean n\u1ec1n t\u1ea3ng.\n\u0110\u1ed1i v\u1edbi m\u1ed9t c\u00f4ng ty d\u1ef1a tr\u00ean n\u1ec1n t\u1ea3ng, v\u1ecb tr\u00ed th\u1ef1c t\u1ebf \u00edt quan tr\u1ecdng h\u01a1n s\u1ef1 hi\u1ec7n di\u1ec7n k\u1ef9 thu\u1eadt s\u1ed1. <\/p>\n\n

“C\u00e1c c\u00f4ng ty trong danh m\u1ee5c n\u00e0y t\u1ea1o ra c\u00e1c n\u1ec1n t\u1ea3ng k\u1ef9 thu\u1eadt s\u1ed1 \u0111\u1ec3 cho ph\u00e9p t\u01b0\u01a1ng t\u00e1c gi\u1eefa c\u00e1c c\u00e1 nh\u00e2n ho\u1eb7c doanh nghi\u1ec7p c\u1ea7n m\u1ed9t c\u00e1i g\u00ec \u0111\u00f3 v\u00e0 c\u00e1c c\u00e1 nh\u00e2n ho\u1eb7c doanh nghi\u1ec7p cung c\u1ea5p m\u1ed9t c\u00e1i g\u00ec \u0111\u00f3”, Mark Breading<\/a>, \u0111\u1ed1i t\u00e1c t\u1ea1i SMA n\u00f3i. <\/p>\n\n

H\u00e0ng h\u00f3a ho\u1eb7c d\u1ecbch v\u1ee5 \u0111\u01b0\u1ee3c cung c\u1ea5p trong n\u1ec1n kinh t\u1ebf n\u1ec1n t\u1ea3ng c\u0169ng \u0111a d\u1ea1ng nh\u01b0 tr\u00ed t\u01b0\u1edfng t\u01b0\u1ee3ng c\u1ee7a ng\u01b0\u1eddi t\u1ea1o v\u00e0 ng\u01b0\u1eddi tham gia n\u1ec1n t\u1ea3ng.\nV\u00e0 h\u1ecd \u0111\u1ea1i di\u1ec7n cho m\u1ed9t ph\u00e2n kh\u00fac \u0111ang ph\u00e1t tri\u1ec3n nhanh ch\u00f3ng c\u1ee7a to\u00e0n b\u1ed9 n\u1ec1n kinh t\u1ebf.\n\u01af\u1edbc t\u00ednh t\u0103ng tr\u01b0\u1edfng trong n\u1ec1n kinh t\u1ebf n\u1ec1n t\u1ea3ng d\u1ef1 ki\u1ebfn s\u1ebd \u0111\u1ea1t 335 t\u1ef7 USD v\u00e0o n\u0103m 2025, Niam Yaraghi v\u00e0 Shamika Ravi<\/a> t\u1ea1i Vi\u1ec7n Brookings cho bi\u1ebft. <\/p>\n\n

N\u1ec1n kinh t\u1ebf n\u1ec1n t\u1ea3ng \u0111\u1ea1i di\u1ec7n cho m\u1ed9t s\u1ef1 thay \u0111\u1ed5i \u0111\u00e1ng k\u1ec3 trong c\u00e1ch ch\u00fang ta kinh doanh.\n“N\u1ebfu cu\u1ed9c c\u00e1ch m\u1ea1ng c\u00f4ng nghi\u1ec7p \u0111\u01b0\u1ee3c t\u1ed5 ch\u1ee9c xung quanh nh\u00e0 m\u00e1y, nh\u1eefng thay \u0111\u1ed5i ng\u00e0y nay \u0111\u01b0\u1ee3c t\u1ed5 ch\u1ee9c xung quanh c\u00e1c n\u1ec1n t\u1ea3ng k\u1ef9 thu\u1eadt s\u1ed1 n\u00e0y”, gi\u00e1o s\u01b0 Martin Kenney v\u00e0 John Zysman<\/a> vi\u1ebft. <\/p>\n\n

Nh\u1eefng n\u1ec1n t\u1ea3ng n\u00e0y r\u1ea5t m\u1ea1nh m\u1ebd: Kenney v\u00e0 Zysman d\u1ef1 \u0111o\u00e1n ch\u1ee7 s\u1edf h\u1eefu n\u1ec1n t\u1ea3ng s\u1ebd c\u00f3 nhi\u1ec1u quy\u1ec1n l\u1ef1c h\u01a1n trong n\u1ec1n kinh t\u1ebf ng\u00e0y nay so v\u1edbi c\u00e1c ch\u1ee7 nh\u00e0 m\u00e1y trong nh\u1eefng n\u0103m \u0111\u1ea7u c\u1ee7a cu\u1ed9c c\u00e1ch m\u1ea1ng c\u00f4ng nghi\u1ec7p. <\/p>\n\n

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

C\u00e1c c\u00f4ng c\u1ee5 b\u1ea3o hi\u1ec3m m\u1edbi trong n\u1ec1n kinh t\u1ebf n\u1ec1n t\u1ea3ng<\/h2>\n\n

M\u1ed9t c\u00e1ch \u0111\u1ec3 ngh\u0129 v\u1ec1 m\u1ed1i quan h\u1ec7 c\u1ee7a n\u1ec1n kinh t\u1ebf n\u1ec1n t\u1ea3ng v\u1edbi b\u1ea3o hi\u1ec3m l\u00e0 ngh\u0129 v\u1ec1 b\u1ea3n th\u00e2n b\u1ea3o hi\u1ec3m nh\u01b0 m\u1ed9t d\u1ecbch v\u1ee5, ch\u1ee9 kh\u00f4ng ph\u1ea3i l\u00e0 m\u1ed9t s\u1ea3n ph\u1ea9m, Tomasz Kurcyzk<\/a>, gi\u00e1m \u0111\u1ed1c chuy\u1ec3n \u0111\u1ed5i k\u1ef9 thu\u1eadt s\u1ed1 t\u1ea1i AXA cho bi\u1ebft. <\/p>\n\n

\u0110i\u1ec1u n\u00e0y gi\u00fap c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m hi\u1ec3u r\u00f5 h\u01a1n v\u1ec1 c\u00e1ch th\u1ee9c m\u00e0 c\u00f4ng ngh\u1ec7 th\u00fac \u0111\u1ea9y s\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a c\u00e1c ph\u01b0\u01a1ng th\u1ee9c b\u1ea3o hi\u1ec3m m\u1edbi, Kurcyzk n\u00f3i.\nC\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u0169ng \u0111\u1ecbnh v\u1ecb b\u1ea3n th\u00e2n \u0111\u1ec3 gi\u1ea3i th\u00edch r\u00f5 h\u01a1n cho kh\u00e1ch h\u00e0ng t\u1ea1i sao b\u1ea3o hi\u1ec3m l\u1ea1i ph\u00f9 h\u1ee3p v\u00e0 th\u1eadm ch\u00ed c\u1ea7n thi\u1ebft trong k\u1ef7 nguy\u00ean s\u1ed1. <\/p>\n\n

Insurtechs, c\u00f9ng v\u1edbi m\u1ed9t s\u1ed1 c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u01b0\u01a1ng nhi\u1ec7m, \u0111\u00e3 c\u00f3 nh\u1eefng b\u01b0\u1edbc ti\u1ebfn v\u00e0o n\u1ec1n kinh t\u1ebf n\u1ec1n t\u1ea3ng v\u1edbi c\u00e1c s\u1ea3n ph\u1ea9m nh\u01b0 b\u1ea3o hi\u1ec3m vi m\u00f4 v\u00e0 b\u1ea3o hi\u1ec3m d\u1ef1a tr\u00ean s\u1eed d\u1ee5ng, c\u00e1 nh\u00e2n h\u00f3a (UBI). <\/p>\n\n

Th\u1ecb tr\u01b0\u1eddng b\u1ea3o hi\u1ec3m vi m\u00f4 \u0111\u00e3 m\u1edf ra c\u01a1 s\u1edf kh\u00e1ch h\u00e0ng m\u1edbi cho b\u1ea3o hi\u1ec3m b\u1eb1ng c\u00e1ch t\u1eadp trung v\u00e0o kh\u00e1ch h\u00e0ng v\u00e0 c\u00e1c y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng theo truy\u1ec1n th\u1ed1ng qu\u00e1 nh\u1ecf \u0111\u1ec3 c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 chi tr\u1ea3 c\u00f3 l\u00e3i. <\/p>\n\n

B\u1eb1ng c\u00e1ch t\u1eadp trung v\u00e0o nh\u1eefng t\u1ed5n th\u1ea5t nh\u1ecf v\u00e0 d\u00e2n s\u1ed1 kh\u00e1ch h\u00e0ng ch\u01b0a \u0111\u01b0\u1ee3c ph\u1ee5c v\u1ee5, b\u1ea3o hi\u1ec3m vi m\u00f4 c\u00f3 th\u1ec3 ti\u1ebfp c\u1eadn nh\u1eefng kh\u00e1ch h\u00e0ng c\u00f3 th\u1ec3 ch\u01b0a bao gi\u1edd \u0111\u01b0\u1ee3c ti\u1ebfp c\u1eadn v\u1edbi b\u1ea3o hi\u1ec3m tr\u01b0\u1edbc \u0111\u00e2y, Julia Kagan<\/a> t\u1ea1i Investopedia n\u00f3i. <\/p>\n\n

Ba trong s\u1ed1 c\u00e1c y\u1ebfu t\u1ed1 ch\u00ednh \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng \u0111\u1ec3 \u1ee9c ch\u1ebf c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m l\u00e0 nhu c\u1ea7u cao, chi ph\u00ed cao v\u00e0 ph\u00e2n ph\u1ed1i b\u1ea3o hi\u1ec3m kh\u00f4ng \u0111\u1ed3ng \u0111\u1ec1u.\nNg\u00e0y nay, c\u00e1c n\u1ec1n t\u1ea3ng k\u1ef9 thu\u1eadt s\u1ed1 v\u00e0 c\u00e1c ph\u01b0\u01a1ng ph\u00e1p ph\u00e2n t\u00edch t\u00edch h\u1ee3p c\u1ee7a ch\u00fang (bao g\u1ed3m c\u1ea3 tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o) gi\u00fap d\u1ec5 d\u00e0ng cung c\u1ea5p ph\u1ea1m vi ph\u1ee7 s\u00f3ng r\u1ed9ng r\u00e3i, gi\u00e1 c\u1ea3 ph\u1ea3i ch\u0103ng tr\u00ean nhi\u1ec1u khu v\u1ef1c \u0111\u1ecba l\u00fd. <\/p>\n\n

Th\u00f4ng th\u01b0\u1eddng, c\u00e1c ch\u00ednh s\u00e1ch n\u00e0y c\u00f3 t\u00ednh ch\u1ea5t tham s\u1ed1.\nB\u1ea3o hi\u1ec3m c\u1ee7a h\u1ecd t\u1ef1 \u0111\u1ed9ng k\u00edch ho\u1ea1t n\u1ebfu m\u1ed9t b\u1ed9 y\u00eau c\u1ea7u \u0111\u1ecbnh l\u01b0\u1ee3ng nh\u1ea5t \u0111\u1ecbnh \u0111\u01b0\u1ee3c \u0111\u00e1p \u1ee9ng, theo m\u1ed9t b\u1ea3ng th\u00f4ng tin t\u1eeb Vi\u1ec7n Th\u00f4ng tin B\u1ea3o hi\u1ec3m<\/a>.\nB\u1ea3n ch\u1ea5t tham s\u1ed1 c\u1ee7a ch\u00fang c\u00f3 ngh\u0129a l\u00e0 c\u00e1c ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m vi m\u00f4 th\u01b0\u1eddng c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c x\u1eed l\u00fd b\u1edfi c\u00e1c thu\u1eadt to\u00e1n m\u00e1y t\u00ednh ch\u1ee9 kh\u00f4ng ph\u1ea3i b\u1edfi con ng\u01b0\u1eddi, cho ph\u00e9p kh\u1ed1i l\u01b0\u1ee3ng y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng l\u1edbn h\u01a1n \u0111\u01b0\u1ee3c x\u1eed l\u00fd trong th\u1eddi gian ng\u1eafn h\u01a1n v\u00e0 ti\u1ebft ki\u1ec7m chi ph\u00ed cho c\u00f4ng ty b\u1ea3o hi\u1ec3m. <\/p>\n\n

C\u00e1c m\u00f4 h\u00ecnh d\u1ef1a tr\u00ean n\u1ec1n t\u1ea3ng c\u00f3 th\u1ec3 gi\u1ea3i quy\u1ebft m\u1ed9t trong nh\u1eefng v\u1ea5n \u0111\u1ec1 l\u1edbn nh\u1ea5t m\u00e0 b\u1ea3o hi\u1ec3m vi m\u00f4 ph\u1ea3i \u0111\u1ed1i m\u1eb7t hi\u1ec7n nay: ph\u00e2n ph\u1ed1i.\nB\u1eb1ng c\u00e1ch t\u1ea1o ra m\u1ed9t n\u1ec1n t\u1ea3ng \u0111\u1ec3 b\u00e1n b\u1ea3o hi\u1ec3m vi m\u00f4, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 cung c\u1ea5p quy\u1ec1n truy c\u1eadp m\u00e0 kh\u00e1ch h\u00e0ng c\u1ea7n \u0111\u1ec3 t\u1eadn d\u1ee5ng h\u00ecnh th\u1ee9c b\u1ea3o hi\u1ec3m m\u1edbi n\u00e0y. <\/p>\n\n

B\u1ea3o hi\u1ec3m d\u1ef1a tr\u00ean s\u1eed d\u1ee5ng \u0111\u1ed9ng <\/h2>\n\n

B\u1ea3o hi\u1ec3m d\u1ef1a tr\u00ean s\u1eed d\u1ee5ng (UBI) \u0111\u00e3 \u0111\u01b0\u1ee3c ph\u00e1t tri\u1ec3n trong h\u01a1n m\u1ed9t th\u1eadp k\u1ef7.\nT\u1eeb khi b\u1eaft \u0111\u1ea7u s\u1eed d\u1ee5ng vi\u1ec5n th\u00f4ng \u0111\u1ec3 theo d\u00f5i h\u00e0nh vi c\u1ee7a t\u00e0i x\u1ebf v\u00e0 \u0111i\u1ec1u ch\u1ec9nh ph\u00ed b\u1ea3o hi\u1ec3m, UBI \u0111\u00e3 ph\u00e1t tri\u1ec3n th\u00e0nh m\u1ed9t c\u00e1ch \u0111\u1ec3 \u0111i\u1ec1u ch\u1ec9nh ph\u1ea1m vi b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 theo nhu c\u1ea7u c\u1ee7a t\u1eebng t\u00e0i x\u1ebf. <\/p>\n\n

“UBI kh\u00f4ng ch\u1ec9 l\u00e0 m\u1ed9t l\u1ef1a ch\u1ecdn ph\u1ed5 bi\u1ebfn c\u1ee7a c\u00e1c t\u00e0i x\u1ebf \u0111\u1ec3 gi\u00fap gi\u1ea3m ph\u00ed b\u1ea3o hi\u1ec3m, m\u00e0 c\u00f2n \u0111\u01b0\u1ee3c c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u00e1p d\u1ee5ng nh\u01b0 m\u1ed9t c\u00e1ch \u0111\u1ec3 ph\u00e2n t\u00edch r\u1ee7i ro l\u00e1i xe”, Mohsen Mohensinia<\/a> t\u1ea1i Aeris n\u00f3i. <\/p>\n\n

UBI \u0111\u1ed9ng \u0111\u01b0a ph\u00e2n t\u00edch r\u1ee7i ro d\u1ef1a tr\u00ean UBI v\u00e0o d\u00f2ng ch\u00ednh.\nN\u00f3 cho ph\u00e9p c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m theo d\u00f5i v\u00e0 thu th\u1eadp d\u1eef li\u1ec7u l\u00e1i xe trong th\u1eddi gian th\u1ef1c.\nKh\u00e1ch h\u00e0ng \u0111\u00e1nh gi\u00e1 cao vi\u1ec7c bi\u1ebft s\u1ed1 ti\u1ec1n thanh to\u00e1n ph\u00ed b\u1ea3o hi\u1ec3m c\u1ee7a h\u1ecd n\u1eb1m trong t\u1ea7m ki\u1ec3m so\u00e1t c\u1ee7a h\u1ecd.\nC\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u1edbi h\u1ec7 th\u1ed1ng UBI \u0111\u1ed9ng m\u1ea1nh m\u1ebd, \u0111\u00e1ng tin c\u1eady c\u00f3 \u0111\u01b0\u1ee3c d\u1eef li\u1ec7u chi ti\u1ebft h\u01a1n v\u1ec1 th\u00f3i quen l\u00e1i xe, cho ph\u00e9p h\u1ecd \u0111\u00e1nh gi\u00e1 ch\u00ednh x\u00e1c r\u1ee7i ro. <\/p>\n\n

B\u1edfi v\u00ec UBI ph\u1ee5 thu\u1ed9c r\u1ea5t nhi\u1ec1u v\u00e0o vi\u1ec7c thu th\u1eadp, truy\u1ec1n t\u1ea3i v\u00e0 ph\u00e2n t\u00edch d\u1eef li\u1ec7u, nh\u1eefng th\u00e1ch th\u1ee9c \u0111\u00e1ng k\u1ec3 v\u1eabn t\u1ed3n t\u1ea1i.\nC\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m kh\u00f4ng ch\u1ec9 ph\u1ea3i bi\u1ebft c\u00e1ch thu th\u1eadp d\u1eef li\u1ec7u l\u00e1i xe, m\u00e0 h\u1ecd c\u00f2n ph\u1ea3i c\u00f3 kh\u1ea3 n\u0103ng ph\u00e2n t\u00edch n\u00f3 m\u1ed9t c\u00e1ch hi\u1ec7u qu\u1ea3 v\u00e0 gi\u1ea3i th\u00edch k\u1ebft qu\u1ea3 c\u1ee7a ph\u00e2n t\u00edch \u0111\u00f3 m\u1ed9t c\u00e1ch c\u00f3 \u00fd ngh\u0129a, Aaron Brandenburg<\/a> t\u1ea1i Hi\u1ec7p h\u1ed9i \u1ee6y vi\u00ean B\u1ea3o hi\u1ec3m Qu\u1ed1c gia (NAIC) n\u00f3i. <\/p>\n\n

Ph\u00e1t tri\u1ec3n m\u1ed9t n\u1ec1n t\u1ea3ng m\u1ea1nh m\u1ebd c\u1ea3i thi\u1ec7n kh\u1ea3 n\u0103ng c\u1ee7a c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u1ec3 tham gia v\u00e0o nhu c\u1ea7u v\u1ec1 UBI trong b\u1ea3o hi\u1ec3m \u00f4 t\u00f4.\nN\u00f3 c\u0169ng m\u1edf r\u1ed9ng s\u1ef1 tham gia v\u00e0o c\u00e1c l\u0129nh v\u1ef1c kh\u00e1c, ch\u1eb3ng h\u1ea1n nh\u01b0 b\u1ea3o hi\u1ec3m UBI cho nh\u00e0 th\u00f4ng minh v\u00e0 c\u00e1c doanh nghi\u1ec7p c\u00f3 c\u1ea3m bi\u1ebfn h\u1ed7 tr\u1ee3 internet. <\/p>\n\n

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

Chu\u1ea9n b\u1ecb cho m\u1ed9t t\u01b0\u01a1ng lai n\u1ec1n kinh t\u1ebf n\u1ec1n t\u1ea3ng<\/h2>\n\n

C\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u1eabn \u0111\u01b0\u1ee3c th\u00e0nh l\u1eadp ch\u1ee7 y\u1ebfu trong m\u00f4 h\u00ecnh \u0111\u01b0\u1eddng \u1ed1ng, trong \u0111\u00f3 m\u1ed9t h\u00e3ng v\u1eadn chuy\u1ec3n thi\u1ebft k\u1ebf c\u00e1c s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m v\u00e0 truy\u1ec1n \u0111\u1ea1t ch\u00fang cho c\u00e1c \u0111\u1ea1i l\u00fd ho\u1eb7c nh\u00e0 ph\u00e2n ph\u1ed1i kh\u00e1c, nh\u1eefng ng\u01b0\u1eddi sau \u0111\u00f3 ti\u1ebfp c\u1eadn v\u1edbi kh\u00e1ch h\u00e0ng. <\/p>\n\n

M\u00f4 h\u00ecnh n\u00e0y \u0111ang tr\u1edf n\u00ean \u00edt ph\u1ed5 bi\u1ebfn h\u01a1n, kh\u00f4ng ch\u1ec9 do s\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a n\u1ec1n kinh t\u1ebf n\u1ec1n t\u1ea3ng m\u00e0 c\u00f2n v\u00ec b\u1ea3n th\u00e2n \u0111\u01b0\u1eddng \u1ed1ng kh\u00f4ng hi\u1ec7u qu\u1ea3 v\u00e0 \u0111\u00f2i h\u1ecfi m\u1ed9t l\u01b0\u1ee3ng t\u00e0i nguy\u00ean kh\u00f4ng b\u1ec1n v\u1eefng, gi\u00e1o s\u01b0 Geoffrey Parker<\/a> c\u1ee7a \u0110\u1ea1i h\u1ecdc Dartmouth, ng\u01b0\u1eddi c\u00f3 c\u00f4ng vi\u1ec7c t\u1eadp trung v\u00e0o n\u1ec1n kinh t\u1ebf n\u1ec1n t\u1ea3ng cho bi\u1ebft. <\/p>\n\n

C\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u1ed3ng \u00fd r\u1eb1ng n\u1ec1n kinh t\u1ebf n\u1ec1n t\u1ea3ng hi\u1ec7u qu\u1ea3 h\u01a1n.\n\u0110\u00e2y l\u00e0 l\u00fd do t\u1ea1i sao nhi\u1ec1u ng\u01b0\u1eddi \u0111\u00e3 chuy\u1ec3n sang c\u00e1c gi\u1ea3i ph\u00e1p c\u00f4ng ngh\u1ec7 nh\u01b0 n\u1ec1n t\u1ea3ng k\u1ef9 thu\u1eadt s\u1ed1 n\u1ed9i b\u1ed9.\nTuy nhi\u00ean, kh\u00f4ng ph\u1ea3i t\u1ea5t c\u1ea3 c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u1ec1u b\u01b0\u1edbc v\u00e0o giai \u0111o\u1ea1n \u0111\u1ea7u c\u1ee7a qu\u00e1 tr\u00ecnh chuy\u1ec3n \u0111\u1ed5i k\u1ef9 thu\u1eadt s\u1ed1 v\u1edbi m\u1ee5c ti\u00eau cu\u1ed1i c\u00f9ng r\u00f5 r\u00e0ng. <\/p>\n\n

N\u1ec1n kinh t\u1ebf n\u1ec1n t\u1ea3ng cung c\u1ea5p m\u1ed9t con \u0111\u01b0\u1eddng \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh r\u00f5 r\u00e0ng cho c\u00e1c c\u00f4ng ty n\u00e0y.\n“C\u00f3 th\u1ec3 tham gia hi\u1ec7u qu\u1ea3 v\u00e0o n\u1ec1n kinh t\u1ebf n\u1ec1n t\u1ea3ng l\u00e0 m\u1ee5c ti\u00eau cu\u1ed1i c\u00f9ng h\u1ee3p l\u00fd c\u1ee7a qu\u00e1 tr\u00ecnh chuy\u1ec3n \u0111\u1ed5i k\u1ef9 thu\u1eadt s\u1ed1 c\u1ee7a c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m”, Mike Dwyer<\/a>, CTO v\u00e0 ph\u00f3 ch\u1ee7 t\u1ecbch \u0111i\u1ec1u h\u00e0nh t\u1ea1i EIS Group cho bi\u1ebft. <\/p>\n\n

C\u00e1c chuy\u1ec3n \u0111\u1ed5i k\u1ef9 thu\u1eadt s\u1ed1 n\u1ed9i b\u1ed9 gi\u00fap lo\u1ea1i b\u1ecf c\u00e1c t\u1ed5 ch\u1ee9c silo v\u00e0 l\u00e0m cho d\u1eef li\u1ec7u k\u1ebf th\u1eeba c\u00f3 th\u1ec3 truy c\u1eadp \u0111\u01b0\u1ee3c \u0111\u1ea1t \u0111\u01b0\u1ee3c s\u1ef1 ph\u00e1t tri\u1ec3n \u0111\u1ea7y \u0111\u1ee7 c\u1ee7a h\u1ecd trong n\u1ec1n kinh t\u1ebf n\u1ec1n t\u1ea3ng.\n\u1ede \u0111\u00f3, th\u00f4ng tin c\u00f3 th\u1ec3 d\u1ec5 d\u00e0ng \u0111\u01b0\u1ee3c t\u1eadn d\u1ee5ng \u0111\u1ec3 t\u1ea1o ra c\u00e1c m\u1ed1i quan h\u1ec7, s\u1ea3n ph\u1ea9m v\u00e0 ch\u1ea5t l\u01b0\u1ee3ng d\u1ecbch v\u1ee5 m\u00e0 kh\u00e1ch h\u00e0ng ng\u00e0y nay y\u00eau c\u1ea7u.\nCh\u00fang t\u00f4i x\u00e2y d\u1ef1ng BOLT X<\/a> v\u1edbi suy ngh\u0129 n\u00e0y.\nBOLT X h\u1ee3p nh\u1ea5t c\u00e1c s\u1ea3n ph\u1ea9m, d\u1ecbch v\u1ee5 v\u00e0 \u0111\u1ed1i t\u00e1c th\u00e0nh m\u1ed9t n\u1ec1n t\u1ea3ng duy nh\u1ea5t \u0111\u1ec3 vi\u1ec7c ph\u00e2n ph\u1ed1i k\u1ef9 thu\u1eadt s\u1ed1 tr\u1edf n\u00ean li\u1ec1n m\u1ea1ch v\u00e0 \u0111\u01b0\u1ee3c th\u00f4ng b\u00e1o b\u1eb1ng kh\u1ea3 n\u0103ng hi\u1ec3n th\u1ecb t\u1ea5t c\u1ea3 c\u00e1c kh\u00eda c\u1ea1nh c\u1ee7a m\u1ea1ng. <\/p>\n\n

N\u1ec1n kinh t\u1ebf n\u1ec1n t\u1ea3ng \u0111\u00e3 c\u00e1ch m\u1ea1ng h\u00f3a m\u1ed9t s\u1ed1 doanh nghi\u1ec7p m\u00e0 kh\u00e1ch h\u00e0ng t\u01b0\u01a1ng t\u00e1c h\u00e0ng ng\u00e0y, t\u1eeb mua s\u1eafm b\u00e1n l\u1ebb \u0111\u1ebfn v\u1eadn chuy\u1ec3n.\nKhi kh\u00e1ch h\u00e0ng \u0111\u00e3 quen v\u1edbi vi\u1ec7c t\u01b0\u01a1ng t\u00e1c v\u1edbi c\u00e1c n\u1ec1n t\u1ea3ng \u1edf c\u00e1c l\u0129nh v\u1ef1c kh\u00e1c, h\u1ecd th\u1ea5y r\u00f5 h\u01a1n nh\u1eefng thi\u1ebfu s\u00f3t c\u1ee7a m\u00f4 h\u00ecnh \u0111\u01b0\u1eddng \u1ed1ng b\u1ea3o hi\u1ec3m truy\u1ec1n th\u1ed1ng.\nC\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m chuy\u1ec3n \u0111\u1ed5i t\u1eeb m\u00f4 h\u00ecnh n\u00e0y sang m\u1ed9t th\u1ebf gi\u1edbi n\u1ec1n t\u1ea3ng \u0111\u1ecbnh v\u1ecb b\u1ea3n th\u00e2n \u0111\u1ec3 g\u1eb7p g\u1ee1 kh\u00e1ch h\u00e0ng \u1edf n\u01a1i h\u1ecd \u0111ang \u1edf – v\u00e0 k\u1ebft qu\u1ea3 l\u00e0 x\u00e2y d\u1ef1ng c\u00e1c m\u1ed1i quan h\u1ec7 trung th\u00e0nh h\u01a1n. <\/p>\n\n

\u1ea2nh: Antonio Guillem\/\u00a9123RF.com, pinkyone\/\u00a9123RF.com, Varin Rattanaburi\/\u00a9123RF.com<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

C\u00e1ch ch\u00fang t\u00f4i kinh doanh v\u1eeba \u0111\u00e1p \u1ee9ng v\u1eeba duy tr\u00ec qu\u00e1 tr\u00ecnh chuy\u1ec3n \u0111\u1ed5i k\u1ef9 thu\u1eadt s\u1ed1 \u0111ang di\u1ec5n ra. Khi c\u00e1c doanh nghi\u1ec7p t\u00ecm ra nh\u1eefng c\u00e1ch m\u1edbi \u0111\u1ec3 t\u1eadn d\u1ee5ng truy\u1ec1n th\u00f4ng v\u00e0 n\u1ec1n t\u1ea3ng k\u1ef9 thu\u1eadt s\u1ed1, n\u1ec1n kinh t\u1ebf c\u1ee7a ch\u00fang ta tho\u00e1t kh\u1ecfi s\u1ef1 ph\u1ee5 thu\u1ed9c v\u00e0o v\u1ecb tr\u00ed […]<\/p>\n","protected":false},"featured_media":6742,"template":"","insight-category":[],"class_list":["post-20842","insight","type-insight","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight\/20842","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\/6742"}],"wp:attachment":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/media?parent=20842"}],"wp:term":[{"taxonomy":"insight-category","embeddable":true,"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight-category?post=20842"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}