{"id":20893,"date":"2024-09-30T14:07:37","date_gmt":"2024-09-30T19:07:37","guid":{"rendered":"https:\/\/bolttech.io\/insights\/gian-doan-bao-hiem-dieu-gi-se-xay-ra-vao-nam-2020\/"},"modified":"2024-09-30T14:07:46","modified_gmt":"2024-09-30T19:07:46","slug":"gian-doan-bao-hiem-dieu-gi-se-xay-ra-vao-nam-2020","status":"publish","type":"insight","link":"https:\/\/bolttech.io\/vi\/insights\/gian-doan-bao-hiem-dieu-gi-se-xay-ra-vao-nam-2020\/","title":{"rendered":"Gi\u00e1n \u0111o\u1ea1n b\u1ea3o hi\u1ec3m: \u0110i\u1ec1u g\u00ec s\u1ebd x\u1ea3y ra v\u00e0o n\u0103m 2020"},"content":{"rendered":"\n

R\u1ea5t \u00edt ng\u00e0nh c\u00f4ng nghi\u1ec7p ph\u1ea3i \u0111\u1ed1i m\u1eb7t v\u1edbi s\u1ef1 gi\u00e1n \u0111o\u1ea1n nhi\u1ec1u nh\u01b0 b\u1ea3o hi\u1ec3m.\nQuy m\u00f4 v\u00e0 t\u1ed1c \u0111\u1ed9 gi\u00e1n \u0111o\u1ea1n b\u1ea3o hi\u1ec3m ti\u1ebfp t\u1ee5c m\u1edf r\u1ed9ng, t\u1ea1o ra c\u1ea3 c\u01a1 h\u1ed9i v\u00e0 th\u00e1ch th\u1ee9c cho c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u01b0\u01a1ng nhi\u1ec7m v\u00e0 c\u00e1c c\u00f4ng ty kh\u1edfi nghi\u1ec7p insurtech. <\/p>\n\n

Nhu c\u1ea7u c\u1ee7a kh\u00e1ch h\u00e0ng c\u0169ng \u0111ang thay \u0111\u1ed5i, th\u00fac \u0111\u1ea9y c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m thay \u0111\u1ed5i c\u00e1ch ti\u1ebfp c\u1eadn c\u1ee7a h\u1ecd \u0111\u1ed1i v\u1edbi m\u1ecdi th\u1ee9, t\u1eeb ph\u00e2n ph\u1ed1i \u0111\u1ebfn x\u1eed l\u00fd khi\u1ebfu n\u1ea1i \u0111\u1ebfn b\u1ea3o l\u00e3nh ph\u00e1t h\u00e0nh.\n\u00c1p l\u1ef1c ti\u1ebfp t\u1ee5c \u0111\u1ed1i v\u1edbi th\u1ecb tr\u01b0\u1eddng P&C th\u01b0\u01a1ng m\u1ea1i c\u0169ng \u0111\u00f2i h\u1ecfi nh\u1eefng c\u00e1ch ti\u1ebfp c\u1eadn m\u1edbi. <\/p>\n\n

S\u1ef1 gi\u00e1n \u0111o\u1ea1n b\u1ea3o hi\u1ec3m c\u1ee7a kh\u00e1ch h\u00e0ng t\u1ea1o ra c\u01a1 h\u1ed9i<\/h2>\n\n

Kh\u00e1ch h\u00e0ng l\u00e0 ngu\u1ed3n g\u00e2y gi\u00e1n \u0111o\u1ea1n s\u1ed1 1 cho c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m P&C hi\u1ec7n nay.\nK\u1ef3 v\u1ecdng c\u1ee7a kh\u00e1ch h\u00e0ng \u0111\u00e3 thay \u0111\u1ed5i nhanh ch\u00f3ng trong nh\u1eefng n\u0103m g\u1ea7n \u0111\u00e2y v\u00e0 kh\u00e1ch h\u00e0ng ng\u00e0y nay mong \u0111\u1ee3i tr\u1ea3i nghi\u1ec7m b\u1ea3o hi\u1ec3m theo y\u00eau c\u1ea7u, \u0111\u01b0\u1ee3c c\u00e1 nh\u00e2n h\u00f3a cung c\u1ea5p b\u1ea3o hi\u1ec3m ph\u00f9 h\u1ee3p. <\/p>\n\n

\u0110\u1ec3 c\u1ea1nh tranh trong m\u1ed9t ng\u00e0nh c\u00f4ng nghi\u1ec7p b\u1ecb gi\u00e1n \u0111o\u1ea1n b\u1edfi s\u1ef1 thay \u0111\u1ed5i k\u1ef3 v\u1ecdng c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m s\u1ebd c\u1ea7n ph\u1ea3i hi\u1ec3u mong mu\u1ed1n c\u1ee7a kh\u00e1ch h\u00e0ng v\u00e0 \u0111\u00e1p \u1ee9ng h\u1ecd v\u1edbi c\u00e1c s\u1ea3n ph\u1ea9m v\u00e0 d\u1ecbch v\u1ee5 c\u00f3 li\u00ean quan.<\/p>\n\n

V\u00ed d\u1ee5, 61% kh\u00e1ch h\u00e0ng b\u1ea3o hi\u1ec3m th\u00edch ki\u1ec3m tra t\u00ecnh tr\u1ea1ng c\u1ee7a c\u00e1c \u1ee9ng d\u1ee5ng b\u1ea3o hi\u1ec3m tr\u1ef1c tuy\u1ebfn, Thomas Brady v\u00e0 Alexandra Sutton<\/a> t\u1ea1i H\u1ed9i \u0111\u1ed3ng \u0110\u1ed5i m\u1edbi cho bi\u1ebft.\nC\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 th\u1ea5y c\u01a1 s\u1edf h\u1ea1 t\u1ea7ng c\u00f4ng ngh\u1ec7 hi\u1ec7n t\u1ea1i c\u1ee7a h\u1ecd l\u00e0 m\u1ed9t tr\u1edf ng\u1ea1i h\u01a1n l\u00e0 m\u1ed9t s\u1ef1 tr\u1ee3 gi\u00fap; Nh\u1eefng ng\u01b0\u1eddi th\u00e0nh c\u00f4ng trong vi\u1ec7c \u0111\u00e1p \u1ee9ng nhu c\u1ea7u c\u1ee7a kh\u00e1ch h\u00e0ng l\u00e0m nh\u01b0 v\u1eady b\u1eb1ng c\u00e1ch t\u1eadp trung tr\u1ea3i nghi\u1ec7m c\u1ee7a kh\u00e1ch h\u00e0ng v\u00e0o n\u1ed7 l\u1ef1c chuy\u1ec3n \u0111\u1ed5i k\u1ef9 thu\u1eadt s\u1ed1 c\u1ee7a ri\u00eang h\u1ecd. <\/p>\n\n

H\u00e3y suy ngh\u0129 v\u1ec1 c\u00e1c m\u1ed1i quan h\u1ec7, kh\u00f4ng ph\u1ea3i robot<\/h3>\n\n

M\u1ed9t c\u00e1ch kh\u00e1c \u0111\u1ec3 t\u1eadp trung v\u00e0o tr\u1ea3i nghi\u1ec7m c\u1ee7a kh\u00e1ch h\u00e0ng l\u00e0 s\u1eed d\u1ee5ng c\u00f4ng ngh\u1ec7 k\u1ef9 thu\u1eadt s\u1ed1 \u0111\u1ec3 x\u00e2y d\u1ef1ng m\u1ed1i quan h\u1ec7 li\u00ean t\u1ee5c gi\u1eefa c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u00e0 kh\u00e1ch h\u00e0ng.<\/p>\n\n

B\u1eb1ng c\u00e1ch m\u1edf r\u1ed9ng ph\u1ea1m vi c\u00e1c \u0111i\u1ec3m ti\u1ebfp x\u00fac gi\u1eefa kh\u00e1ch h\u00e0ng v\u00e0 c\u00f4ng ty b\u1ea3o hi\u1ec3m, P&C c\u00f3 th\u1ec3 \u0111i c\u00f9ng v\u1edbi ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m trong xe c\u1ee7a h\u1ecd, c\u00f3 m\u1eb7t t\u1ea1i nh\u00e0 c\u1ee7a h\u1ecd \u0111\u1ec3 c\u1ea3nh b\u00e1o v\u1ec1 thi\u1ec7t h\u1ea1i ti\u1ec1m \u1ea9n v\u00e0 th\u1ef1c hi\u1ec7n c\u00e1c b\u01b0\u1edbc kh\u00e1c \u0111\u1ec3 x\u00e2y d\u1ef1ng m\u1ed1i quan h\u1ec7 b\u1ec1n ch\u1eb7t d\u1ef1a tr\u00ean m\u00f4 h\u00ecnh \u0111a tr\u1ea3i nghi\u1ec7m.<\/p>\n\n

“\u0110a kinh nghi\u1ec7m thay th\u1ebf nh\u1eefng ng\u01b0\u1eddi hi\u1ec3u bi\u1ebft v\u1ec1 c\u00f4ng ngh\u1ec7 b\u1eb1ng c\u00f4ng ngh\u1ec7 bi\u1ebft ch\u1eef. Trong xu h\u01b0\u1edbng n\u00e0y, \u00fd t\u01b0\u1edfng truy\u1ec1n th\u1ed1ng v\u1ec1 m\u00e1y t\u00ednh ph\u00e1t tri\u1ec3n t\u1eeb m\u1ed9t \u0111i\u1ec3m t\u01b0\u01a1ng t\u00e1c duy nh\u1ea5t \u0111\u1ec3 bao g\u1ed3m c\u00e1c giao di\u1ec7n \u0111a gi\u00e1c quan v\u00e0 \u0111a \u0111i\u1ec3m nh\u01b0 thi\u1ebft b\u1ecb \u0111eo \u0111\u01b0\u1ee3c v\u00e0 c\u1ea3m bi\u1ebfn m\u00e1y t\u00ednh ti\u00ean ti\u1ebfn”, Kasey Panetta<\/a> t\u1ea1i Gartner vi\u1ebft.<\/p>\n\n

C\u00f4 m\u00f4 t\u1ea3 c\u00e1ch chu\u1ed7i pizza Domino’s ch\u1ea5p nh\u1eadn d\u1ecbch v\u1ee5 kh\u00e1ch h\u00e0ng \u0111a tr\u1ea3i nghi\u1ec7m v\u1edbi c\u00e1c ph\u01b0\u01a1ng ti\u1ec7n t\u1ef1 tr\u1ecb c\u00f3 c\u1ea3m bi\u1ebfn \u0111\u1ec3 cho ph\u00e9p kh\u00e1ch h\u00e0ng theo d\u00f5i vi\u1ec7c giao h\u00e0ng c\u1ee7a h\u1ecd.\nH\u1ecd c\u0169ng k\u1ebft h\u1ee3p giao ti\u1ebfp loa th\u00f4ng minh \u0111\u1ec3 d\u1ec5 d\u00e0ng \u0111\u1eb7t h\u00e0ng.\nC\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 s\u1eed d\u1ee5ng c\u00e1c ph\u01b0\u01a1ng ph\u00e1p t\u01b0\u01a1ng t\u1ef1 \u0111\u1ec3 ti\u1ebfp c\u1eadn kh\u00e1ch h\u00e0ng, gi\u00fap d\u1ec5 d\u00e0ng thay \u0111\u1ed5i ph\u1ea1m vi b\u1ea3o hi\u1ec3m ho\u1eb7c n\u1ed9p y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng t\u1eeb loa th\u00f4ng minh trong nh\u00e0 ho\u1eb7c th\u00f4ng qua h\u1ec7 th\u1ed1ng m\u00e1y t\u00ednh tr\u00ean xe. <\/p>\n\n

T\u1eadn d\u1ee5ng c\u00e1c m\u1ed1i quan h\u1ec7 b\u1ea1n c\u00f3<\/h3>\n\n

Khi n\u00f3i \u0111\u1ebfn vi\u1ec7c t\u1eadp trung v\u00e0o tr\u1ea3i nghi\u1ec7m v\u00e0 nhu c\u1ea7u c\u1ee7a kh\u00e1ch h\u00e0ng, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m th\u01b0\u1eddng c\u00f3 l\u1ee3i th\u1ebf.\nC\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 b\u1eaft \u0111\u1ea7u cu\u1ed9c s\u1ed1ng c\u1ee7a h\u1ecd trong b\u1ea3o hi\u1ec3m b\u1eb1ng c\u00e1ch g\u1eb7p g\u1ee1 kh\u00e1ch h\u00e0ng \u1edf n\u01a1i h\u1ecd \u0111ang \u1edf ng\u00e0y h\u00f4m nay, thay v\u00ec thay \u0111\u1ed5i th\u00f3i quen \u0111\u00e3 \u0103n s\u00e2u nh\u01b0ng l\u1ed7i th\u1eddi.\nTuy nhi\u00ean, \u0111\u1ed1i v\u1edbi c\u00e1c P&C \u0111\u00e3 th\u00e0nh l\u1eadp, chi\u1ebfn th\u1eafng trong tr\u00f2 ch\u01a1i kh\u00e1ch h\u00e0ng \u0111\u00f2i h\u1ecfi m\u1ed9t c\u00e1ch ti\u1ebfp c\u1eadn kh\u00e1c. <\/p>\n\n

“Kh\u00f4ng gi\u1ed1ng nh\u01b0 c\u00e1c c\u00f4ng ty kh\u1edfi nghi\u1ec7p d\u1ef1a tr\u00ean c\u00f4ng ngh\u1ec7 m\u1edbi, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u01b0\u01a1ng nhi\u1ec7m c\u00f3 h\u00e0ng tri\u1ec7u kh\u00e1ch h\u00e0ng v\u00e0 c\u1ea7n x\u00e2y d\u1ef1ng c\u00e1c \u0111\u1ec1 xu\u1ea5t h\u1ea5p d\u1eabn t\u1ea1o ra s\u1ef1 g\u1eafn b\u00f3”, Andy Masters<\/a>, \u0111\u1ed1i t\u00e1c b\u1ea3o hi\u1ec3m t\u1ea1i Deloitte n\u00f3i.\nKhi c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m t\u1eadp trung v\u00e0o vi\u1ec7c x\u00e2y d\u1ef1ng l\u00f2ng trung th\u00e0nh gi\u1eefa c\u00e1c c\u01a1 s\u1edf kh\u00e1ch h\u00e0ng hi\u1ec7n t\u1ea1i c\u1ee7a h\u1ecd, h\u1ecd c\u00f3 th\u1ec3 c\u1ea3i thi\u1ec7n kh\u1ea3 n\u0103ng gi\u1eef ch\u00e2n v\u00e0 g\u1eb7p g\u1ee1 kh\u00e1ch h\u00e0ng ch\u00ednh x\u00e1c \u1edf n\u01a1i h\u1ecd \u0111ang \u1edf. <\/p>\n\n

B\u1eb1ng c\u00e1ch \u0111\u1eb7t m\u1ed1i quan h\u1ec7 kh\u00e1ch h\u00e0ng l\u00ean h\u00e0ng \u0111\u1ea7u, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 n\u1eafm b\u1eaft m\u1ed9t trong nh\u1eefng ngu\u1ed3n g\u00e2y gi\u00e1n \u0111o\u1ea1n l\u1edbn nh\u1ea5t v\u00e0 s\u1eed d\u1ee5ng n\u00f3 \u0111\u1ec3 gi\u00fap h\u1ecd ph\u00e1t tri\u1ec3n v\u00e0 ph\u00e1t tri\u1ec3n m\u1ea1nh trong th\u1eadp k\u1ef7 t\u1edbi.<\/p>\n\n

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

\u0110\u1ec3 ph\u00e1t tri\u1ec3n v\u01b0\u1ee3t qua s\u1ef1 gi\u00e1n \u0111o\u1ea1n, h\u00e3y thay \u0111\u1ed5i con \u0111\u01b0\u1eddng c\u1ee7a b\u1ea1n<\/h2>\n\n

G\u1ea7n \u0111\u00e2y, ng\u00e0nh b\u1ea3o hi\u1ec3m \u0111\u00e3 nh\u1eadn th\u1ee9c \u0111\u01b0\u1ee3c s\u1ef1 thay \u0111\u1ed5i l\u1edbn gi\u1eefa c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u01b0\u01a1ng nhi\u1ec7m.\nThay v\u00ec \u0111\u1ecbnh v\u1ecb b\u1ea3n th\u00e2n \u0111\u1ec3 x\u1eed l\u00fd c\u00e1c y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng khi ch\u00fang x\u1ea3y ra, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m ng\u00e0y c\u00e0ng t\u1eadp trung v\u00e0o c\u00e1c c\u00e1ch \u0111\u1ec3 ng\u0103n ch\u1eb7n t\u1ed5n th\u1ea5t x\u1ea3y ra. <\/p>\n\n

M\u1ed1i quan t\u00e2m ph\u00f2ng ng\u1eeba n\u00e0y c\u00f3 th\u1ec3 s\u1ebd t\u1ed3n t\u1ea1i trong t\u01b0\u01a1ng lai, thay \u0111\u1ed5i th\u1ef1c ti\u1ec5n b\u1ea3o hi\u1ec3m.\nPh\u00f2ng ng\u1eeba r\u1ee7i ro s\u1ebd \u0111\u00f3ng vai tr\u00f2 h\u00e0ng \u0111\u1ea7u, l\u00e0m lu m\u1edd qu\u1ea3n l\u00fd r\u1ee7i ro nh\u01b0 m\u1ed9t c\u00e1ch \u0111\u1ec3 b\u1ea3o v\u1ec7 l\u1ee3i nhu\u1eadn c\u1ee7a c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u00e0 ki\u1ec3m so\u00e1t vi\u1ec7c t\u0103ng ph\u00ed b\u1ea3o hi\u1ec3m b\u1eb1ng c\u00e1ch tr\u00e1nh t\u1ed5n th\u1ea5t ho\u00e0n to\u00e0n. <\/p>\n\n

Hi\u1ec7n t\u1ea1i, kh\u00f4ng c\u00f3 l\u0129nh v\u1ef1c n\u00e0o c\u1ee7a b\u1ea3o hi\u1ec3m P&C \u0111\u01b0a ra m\u1ed9t v\u00ed d\u1ee5 t\u1ed1t h\u01a1n v\u1ec1 s\u1ef1 c\u1ea7n thi\u1ebft ph\u1ea3i t\u1eadp trung v\u00e0o ph\u00f2ng ng\u1eeba r\u1ee7i ro h\u01a1n b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng m\u1ea1i.\nN\u0103m 2019, b\u1ea3o hi\u1ec3m t\u00e0i s\u1ea3n th\u01b0\u01a1ng m\u1ea1i t\u0103ng l\u00e3i su\u1ea5t t\u1eeb 5 \u0111\u1ebfn 10%; m\u1ed9t s\u1ed1 c\u00f4ng ty \u0111\u00e3 t\u0103ng t\u1eeb 50% tr\u1edf l\u00ean, Casey Soares<\/a>, ph\u00f3 ch\u1ee7 t\u1ecbch c\u1ea5p cao v\u00e0 chuy\u00ean gia b\u1ea5t \u0111\u1ed9ng s\u1ea3n t\u1ea1i Woodruff Sawyer cho bi\u1ebft. <\/p>\n\n

\u0110\u00e1p l\u1ea1i, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u00e3 tranh gi\u00e0nh \u0111\u1ec3 gi\u1ea3i quy\u1ebft m\u1ed9t th\u1ecb tr\u01b0\u1eddng v\u1eefng ch\u1eafc, ki\u1ec3m tra b\u1ea3o l\u00e3nh ph\u00e1t h\u00e0nh c\u1ee7a ch\u00ednh h\u1ecd ch\u1eb7t ch\u1ebd h\u01a1n v\u00e0 thay \u0111\u1ed5i c\u00e1ch ti\u1ebfp c\u1eadn c\u1ee7a h\u1ecd \u0111\u1ec3 ph\u00f2ng ng\u1eeba v\u00e0 gi\u1ea3m thi\u1ec3u r\u1ee7i ro, b\u00e0 n\u00f3i th\u00eam.<\/p>\n\n

T\u1ef7 l\u1ec7 b\u1ea3o hi\u1ec3m P&C th\u01b0\u01a1ng m\u1ea1i s\u1ebd ti\u1ebfp t\u1ee5c t\u0103ng v\u00e0o n\u0103m 2020, Brian S. Wanat<\/a>, gi\u00e1m \u0111\u1ed1c m\u00f4i gi\u1edbi t\u1ea1i Aon PLC d\u1ef1 \u0111o\u00e1n.\nV\u00e0 v\u00ec r\u1ea5t \u00edt c\u00f4ng ty b\u1ea3o hi\u1ec3m m\u1edbi tham gia v\u00e0o l\u0129nh v\u1ef1c th\u01b0\u01a1ng m\u1ea1i, “th\u1ef1c s\u1ef1 kh\u00f4ng c\u00f3 th\u1ecb tr\u01b0\u1eddng m\u1edbi n\u00e0o xem \u0111\u00e2y l\u00e0 c\u01a1 h\u1ed9i v\u00e0 c\u1eaft gi\u1ea3m l\u00e3i su\u1ea5t”. <\/p>\n\n

M\u1ed9t th\u1ecb tr\u01b0\u1eddng th\u01b0\u01a1ng m\u1ea1i v\u1eefng ch\u1eafc c\u0169ng c\u00f3 kh\u1ea3 n\u0103ng thay \u0111\u1ed5i h\u00e0nh vi c\u1ee7a kh\u00e1ch h\u00e0ng.\nKh\u00e1ch h\u00e0ng s\u1ebd t\u00ecm c\u00e1ch tr\u00e1nh thua l\u1ed7 \u0111\u1ec3 kh\u00f4ng ph\u1ea3i tr\u1ea3 c\u00e1c kho\u1ea3n kh\u1ea5u tr\u1eeb ho\u1eb7c t\u0103ng ph\u00ed b\u1ea3o hi\u1ec3m do nh\u1eefng t\u1ed5n th\u1ea5t \u0111\u00f3, Joe Peiser<\/a>, ph\u00f3 ch\u1ee7 t\u1ecbch \u0111i\u1ec1u h\u00e0nh v\u00e0 ng\u01b0\u1eddi \u0111\u1ee9ng \u0111\u1ea7u m\u00f4i gi\u1edbi to\u00e0n c\u1ea7u t\u1ea1i Willis Towers Watson cho bi\u1ebft.\n\u0110\u1ea7u t\u01b0 v\u00e0o ph\u00e2n t\u00edch v\u00e0 c\u00e1c c\u00f4ng c\u1ee5 ph\u00f2ng ng\u1eeba t\u1ed5n th\u1ea5t t\u01b0\u01a1ng t\u1ef1 c\u00f3 th\u1ec3 gi\u00fap c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m g\u1eb7p g\u1ee1 nh\u1eefng kh\u00e1ch h\u00e0ng n\u00e0y \u1edf n\u01a1i h\u1ecd \u0111ang \u1edf, t\u1ea1o ra l\u00f2ng trung th\u00e0nh v\u00e0 \u0111\u1ea3m b\u1ea3o kinh doanh. <\/p>\n\n

L\u01b0\u1ee3ng d\u1eef li\u1ec7u k\u1ef9 thu\u1eadt s\u1ed1 kh\u1ed5ng l\u1ed3 c\u00f3 s\u1eb5n ng\u00e0y nay cho ph\u00e9p c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m ph\u00e1t hi\u1ec7n xu h\u01b0\u1edbng v\u00e0 ph\u1ea3n \u1ee9ng v\u1edbi ch\u00fang nhanh h\u01a1n, n\u1ebfu h\u1ecd \u0111\u01b0\u1ee3c trang b\u1ecb \u0111\u1ec3 l\u00e0m nh\u01b0 v\u1eady.\nN\u1eafm b\u1eaft s\u1ef1 gi\u00e1n \u0111o\u1ea1n k\u1ef9 thu\u1eadt s\u1ed1 l\u00e0 m\u1ed9t c\u00e1ch m\u00e0 m\u1ed9t c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 \u0111\u1ecbnh v\u1ecb m\u00ecnh \u0111\u1ec3 t\u1eadn d\u1ee5ng l\u1ee3i th\u1ebf c\u1ee7a vi\u1ec7c ph\u00e1t hi\u1ec7n xu h\u01b0\u1edbng s\u1edbm. <\/p>\n\n

“C\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m s\u1ebd c\u1ea7n \u00e1p d\u1ee5ng c\u00e1ch ti\u1ebfp c\u1eadn h\u1ec7 sinh th\u00e1i li\u00ean quan \u0111\u1ebfn quan h\u1ec7 \u0111\u1ed1i t\u00e1c v\u00e0 thu\u00ea ngo\u00e0i, c\u0169ng nh\u01b0 c\u00e1c nh\u00f3m n\u1ed9i b\u1ed9. S\u1ebd m\u1ea5t r\u1ea5t nhi\u1ec1u n\u1ed7 l\u1ef1c \u0111\u1ec3 chuy\u1ec3n \u0111\u1ed5i t\u1eeb m\u1ed9t v\u1ecb tr\u00ed k\u1ebf th\u1eeba sang ki\u1ebfn tr\u00fac m\u1edf, linh ho\u1ea1t”, Andy Lees<\/a>, m\u1ed9t \u0111\u1ed1i t\u00e1c t\u1ea1i Deloitte l\u01b0u \u00fd.\nTuy nhi\u00ean, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m th\u1ef1c hi\u1ec7n qu\u00e1 tr\u00ecnh chuy\u1ec3n \u0111\u1ed5i hi\u1ec7u qu\u1ea3 s\u1ebd c\u00f3 th\u1ec3 ph\u00e1t hi\u1ec7n ra c\u00e1c xu h\u01b0\u1edbng \u0111\u1ea7y h\u1ee9a h\u1eb9n v\u00e0 ph\u1ea3n \u1ee9ng v\u1edbi ch\u00fang nhanh h\u01a1n, trong khi c\u00e1c \u0111\u1ed1i th\u1ee7 c\u1ea1nh tranh b\u1ecb b\u1ecf l\u1ea1i ph\u00eda sau. <\/p>\n\n

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

L\u00e0m gi\u00e1n \u0111o\u1ea1n ph\u00e2n ph\u1ed1i tr\u01b0\u1edbc khi n\u00f3 l\u00e0m gi\u00e1n \u0111o\u1ea1n b\u1ea1n<\/h2>\n\n

S\u1ef1 gi\u00e1n \u0111o\u1ea1n b\u1ea3o hi\u1ec3m cho \u0111\u1ebfn nay \u0111\u00e3 \u0111\u01b0\u1ee3c th\u00fac \u0111\u1ea9y b\u1edfi s\u1ef1 thay \u0111\u1ed5i nhu c\u1ea7u c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng v\u00e0 \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn vi\u1ec7c b\u1ea3o l\u00e3nh ph\u00e1t h\u00e0nh v\u00e0 ph\u00f2ng ng\u1eeba t\u1ed5n th\u1ea5t.\nPh\u00e2n ph\u1ed1i c\u0169ng v\u1eady, s\u1ebd thay \u0111\u1ed5i r\u1ea5t nhi\u1ec1u trong n\u0103m t\u1edbi. <\/p>\n\n

Hi\u1ec7n t\u1ea1i, kho\u1ea3ng 69% gi\u00e1m \u0111\u1ed1c \u0111i\u1ec1u h\u00e0nh b\u1ea3o hi\u1ec3m tin r\u1eb1ng nh\u1eefng thay \u0111\u1ed5i trong c\u00e1c k\u00eanh ph\u00e2n ph\u1ed1i s\u1ebd t\u1ea1o ra s\u1ef1 gi\u00e1n \u0111o\u1ea1n l\u1edbn nh\u1ea5t \u0111\u1ed1i v\u1edbi ng\u00e0nh b\u1ea3o hi\u1ec3m, theo Jamie Yoder, Anand Rao v\u00e0 Stephen O’Hearn<\/a>, t\u00e1c gi\u1ea3 ch\u00ednh c\u1ee7a b\u00e1o c\u00e1o PwC, “B\u1ea3o hi\u1ec3m 2020 v\u00e0 h\u01a1n th\u1ebf n\u1eefa”.<\/p>\n\n

“H\u1ea7u h\u1ebft c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u00e3 \u0111\u1ea7u t\u01b0 v\u00e0o ph\u00e2n ph\u1ed1i k\u1ef9 thu\u1eadt s\u1ed1, v\u1edbi m\u1ed9t s\u1ed1 hi\u1ec7n \u0111ang chuy\u1ec3n sang b\u00e1n h\u00e0ng k\u1ef9 thu\u1eadt s\u1ed1 tr\u1ef1c ti\u1ebfp sang c\u00e1c m\u00f4 h\u00ecnh nh\u00fang c\u00e1c s\u1ea3n ph\u1ea9m v\u00e0 d\u1ecbch v\u1ee5 c\u1ee7a c\u00f4ng ty v\u00e0o cu\u1ed9c s\u1ed1ng c\u1ee7a m\u1ecdi ng\u01b0\u1eddi (v\u00ed d\u1ee5: b\u1ea3o hi\u1ec3m tr\u1ea3 ti\u1ec1n khi b\u1ea1n l\u00e1i xe)”, h\u1ecd vi\u1ebft.<\/p>\n\n

Tuy nhi\u00ean, vi\u1ec7c gi\u1ea3i quy\u1ebft s\u1ef1 gi\u00e1n \u0111o\u1ea1n trong ph\u00e2n ph\u1ed1i kh\u00f4ng \u0111\u01a1n gi\u1ea3n nh\u01b0 gi\u1ea3 \u0111\u1ecbnh r\u1eb1ng t\u1ea5t c\u1ea3 kh\u00e1ch h\u00e0ng \u0111\u1ec1u mu\u1ed1n t\u01b0\u01a1ng t\u00e1c tr\u1ef1c tuy\u1ebfn.\n\u0110\u00f3 l\u00e0 b\u1edfi v\u00ec kh\u00e1ch h\u00e0ng kh\u00f4ng ch\u1ec9 \u0111\u01a1n thu\u1ea7n chuy\u1ec3n t\u1eeb truy\u1ec1n th\u00f4ng b\u1ea3o hi\u1ec3m t\u01b0\u01a1ng t\u1ef1 sang k\u1ef9 thu\u1eadt s\u1ed1.\nThay v\u00e0o \u0111\u00f3, h\u1ecd \u0111ang \u0111a d\u1ea1ng h\u00f3a c\u00e1ch ti\u1ebfp c\u1eadn c\u1ee7a m\u00ecnh, t\u00ecm c\u00e1ch tham gia k\u1ef9 thu\u1eadt s\u1ed1 v\u00e0 v\u1edbi c\u00e1c \u0111\u1ea1i l\u00fd ho\u1eb7c \u0111\u1ea1i di\u1ec7n d\u1ecbch v\u1ee5 kh\u00e1ch h\u00e0ng, theo m\u1ed9t cu\u1ed9c kh\u1ea3o s\u00e1t c\u1ee7a Facebook n\u0103m 2018, nh\u00f3m nghi\u00ean c\u1ee9u t\u1ea1i T\u1ea1p ch\u00ed B\u1ea3o hi\u1ec3m<\/a> vi\u1ebft. <\/p>\n\n

Do \u0111\u00f3, tham gia hi\u1ec7u qu\u1ea3 v\u00e0o s\u1ef1 gi\u00e1n \u0111o\u1ea1n ph\u00e2n ph\u1ed1i \u0111\u00f2i h\u1ecfi c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m ph\u1ea3i \u00e1p d\u1ee5ng c\u00e1ch ti\u1ebfp c\u1eadn c\u1ea3 hai \/ v\u00e0.\nT\u0103ng c\u01b0\u1eddng c\u00e1c k\u00eanh v\u00e0 c\u00f4ng c\u1ee5 k\u1ef9 thu\u1eadt s\u1ed1, nh\u01b0ng s\u1eed d\u1ee5ng ch\u00fang \u0111\u1ec3 n\u00e2ng cao c\u00f4ng vi\u1ec7c \u0111\u00e3 \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n \u0111\u1ec3 ti\u1ebfp c\u1eadn kh\u00e1ch h\u00e0ng, gi\u1ea3i quy\u1ebft khi\u1ebfu n\u1ea1i v\u00e0 c\u1ea3i thi\u1ec7n b\u1ea3o l\u00e3nh ph\u00e1t h\u00e0nh. <\/p>\n\n

C\u1ea3i thi\u1ec7n vi\u1ec7c x\u1eed l\u00fd khi\u1ebfu n\u1ea1i b\u1eb1ng c\u00e1ch chuy\u1ec3n sang k\u1ef9 thu\u1eadt s\u1ed1<\/h3>\n\n

M\u00f4 h\u00ecnh ph\u00e2n ph\u1ed1i k\u1ef9 thu\u1eadt s\u1ed1 c\u0169ng c\u00f3 th\u1ec3 gi\u00fap c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u1ea3i thi\u1ec7n c\u00e1ch h\u1ecd ph\u00e2n lo\u1ea1i y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng, \u0111\u00e1p \u1ee9ng nhu c\u1ea7u v\u1ec1 d\u1ecbch v\u1ee5 kh\u00e1ch h\u00e0ng nhanh ch\u00f3ng, \u0111\u01b0\u1ee3c c\u00e1 nh\u00e2n h\u00f3a.\nM\u1ed9t h\u1ec7 th\u1ed1ng ph\u00e2n t\u00edch d\u1ef1 \u0111o\u00e1n \u0111\u01b0\u1ee3c t\u00edch h\u1ee3p trong n\u1ec1n t\u1ea3ng ph\u00e2n ph\u1ed1i k\u1ef9 thu\u1eadt s\u1ed1 c\u1ee7a P&C c\u00f3 th\u1ec3 c\u1ea3i thi\u1ec7n vi\u1ec7c x\u1eed l\u00fd khi\u1ebfu n\u1ea1i, ti\u1ebft ki\u1ec7m th\u1eddi gian v\u00e0 ti\u1ec1n b\u1ea1c. <\/p>\n\n

C\u00e1c c\u00f4ng c\u1ee5 ph\u00e2n t\u00edch d\u1ef1 \u0111o\u00e1n c\u00f3 th\u1ec3 gi\u00fap c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m l\u00e0m m\u1ecdi th\u1ee9 t\u1eeb d\u1ef1 \u0111o\u00e1n y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng v\u00e0 ng\u0103n ng\u1eeba t\u1ed5n th\u1ea5t \u0111\u1ebfn ph\u00e1t hi\u1ec7n kh\u00e1ch h\u00e0ng n\u00e0o c\u00f3 kh\u1ea3 n\u0103ng r\u1eddi \u0111i, Igor Bobriakov<\/a>, nh\u00e0 khoa h\u1ecdc d\u1eef li\u1ec7u v\u00e0 ng\u01b0\u1eddi s\u00e1ng l\u1eadp Tr\u01b0\u1eddng Khoa h\u1ecdc D\u1eef li\u1ec7u cho bi\u1ebft.\nKhi c\u00e1c c\u00f4ng c\u1ee5 n\u00e0y \u0111\u01b0\u1ee3c k\u1ebft h\u1ee3p v\u00e0o c\u00e1ch ti\u1ebfp c\u1eadn c\u1ee7a m\u1ed9t c\u00f4ng ty b\u1ea3o hi\u1ec3m, ch\u00fang cung c\u1ea5p nh\u1eefng c\u00e1ch th\u1ee9c m\u1edbi m\u1ea1nh m\u1ebd \u0111\u1ec3 hi\u1ec3u kh\u00e1ch h\u00e0ng v\u00e0 qu\u1ea3n l\u00fd ho\u1ea1t \u0111\u1ed9ng kinh doanh b\u1ea3o hi\u1ec3m. <\/p>\n\n

S\u1eed d\u1ee5ng ph\u00e2n ph\u1ed1i k\u1ef9 thu\u1eadt s\u1ed1 \u0111\u1ec3 t\u0103ng c\u01b0\u1eddng ph\u00e2n t\u00edch d\u1eef li\u1ec7u<\/h3>\n\n

C\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u0169ng \u0111ang n\u1eafm l\u1ea5y d\u1eef li\u1ec7u gia t\u0103ng \u0111\u1ebfn t\u1eeb c\u00e1c k\u1ebft n\u1ed1i k\u1ef9 thu\u1eadt s\u1ed1 n\u00e0y – v\u00e0 c\u00e1c ph\u00e2n t\u00edch m\u00e0 d\u1eef li\u1ec7u c\u00f3 th\u1ec3 th\u1ef1c hi\u1ec7n \u0111\u01b0\u1ee3c.<\/p>\n\n

B\u1ea3o hi\u1ec3m lu\u00f4n quan t\u00e2m s\u00e2u s\u1eafc \u0111\u1ebfn ph\u00e2n t\u00edch d\u1eef li\u1ec7u.\nKh\u1ea3 n\u0103ng hi\u1ec3u v\u00e0 \u00e1p d\u1ee5ng d\u1eef li\u1ec7u v\u00e0 k\u1ebft lu\u1eadn l\u01b0\u1ee3m l\u1eb7t \u0111\u01b0\u1ee3c t\u1eeb n\u00f3 n\u1eb1m \u1edf trung t\u00e2m c\u1ee7a b\u1ea3o l\u00e3nh ph\u00e1t h\u00e0nh. <\/p>\n\n

Tuy nhi\u00ean, g\u1ea7n \u0111\u00e2y, “khi c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u00e3 t\u00ecm c\u00e1ch tr\u1edf n\u00ean ph\u00f9 h\u1ee3p h\u01a1n v\u1edbi kh\u00e1ch h\u00e0ng c\u1ee7a h\u1ecd v\u00e0 hi\u1ec7u qu\u1ea3 h\u01a1n, h\u1ecd \u0111\u00e3 nh\u1eadn ra t\u1ea7m quan tr\u1ecdng chi\u1ebfn l\u01b0\u1ee3c c\u1ee7a c\u00e1c kho\u1ea3n \u0111\u1ea7u t\u01b0 d\u1eef li\u1ec7u c\u1ee7a h\u1ecd”, Keith Stonell<\/a>, gi\u00e1m \u0111\u1ed1c \u0111i\u1ec1u h\u00e0nh EMEA t\u1ea1i Guidewire Software cho bi\u1ebft.\nC\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111ang n\u1eafm b\u1eaft ph\u00e2n t\u00edch d\u1eef li\u1ec7u \u0111\u1ec3 gi\u00fap c\u1ea3i thi\u1ec7n m\u1ed1i quan h\u1ec7 kh\u00e1ch h\u00e0ng, gi\u1ea3m th\u1eddi gian v\u00e0 chi ph\u00ed trong vi\u1ec7c x\u1eed l\u00fd khi\u1ebfu n\u1ea1i, c\u1ea3i thi\u1ec7n b\u1ea3o l\u00e3nh ph\u00e1t h\u00e0nh v\u00e0 lo\u1ea1i b\u1ecf gian l\u1eadn. <\/p>\n\n

N\u00f3i c\u00e1ch kh\u00e1c, c\u00e2u tr\u1ea3 l\u1eddi cho s\u1ef1 gi\u00e1n \u0111o\u1ea1n b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 l\u00e0 ch\u00ednh s\u1ef1 gi\u00e1n \u0111o\u1ea1n.\nKhi nhu c\u1ea7u c\u1ee7a kh\u00e1ch h\u00e0ng, r\u1ee7i ro thay \u0111\u1ed5i v\u00e0 c\u00e1c y\u1ebfu t\u1ed1 kh\u00e1c l\u00e0m rung chuy\u1ec3n b\u1ea3o hi\u1ec3m, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m s\u1ebd \u0111\u01b0\u1ee3c h\u01b0\u1edfng l\u1ee3i b\u1eb1ng c\u00e1ch n\u1eafm l\u1ea5y c\u00e1c c\u00f4ng c\u1ee5 k\u1ef9 thu\u1eadt s\u1ed1 t\u1ef1 \u0111e d\u1ecda s\u1ef1 gi\u00e1n \u0111o\u1ea1n, thay v\u00e0o \u0111\u00f3 bi\u1ebfn ch\u00fang th\u00e0nh c\u01a1 h\u1ed9i. <\/p>\n\n

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

R\u1ea5t \u00edt ng\u00e0nh c\u00f4ng nghi\u1ec7p ph\u1ea3i \u0111\u1ed1i m\u1eb7t v\u1edbi s\u1ef1 gi\u00e1n \u0111o\u1ea1n nhi\u1ec1u nh\u01b0 b\u1ea3o hi\u1ec3m. Quy m\u00f4 v\u00e0 t\u1ed1c \u0111\u1ed9 gi\u00e1n \u0111o\u1ea1n b\u1ea3o hi\u1ec3m ti\u1ebfp t\u1ee5c m\u1edf r\u1ed9ng, t\u1ea1o ra c\u1ea3 c\u01a1 h\u1ed9i v\u00e0 th\u00e1ch th\u1ee9c cho c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u01b0\u01a1ng nhi\u1ec7m v\u00e0 c\u00e1c c\u00f4ng ty kh\u1edfi nghi\u1ec7p insurtech. Nhu c\u1ea7u c\u1ee7a […]<\/p>\n","protected":false},"featured_media":0,"template":"","insight-category":[],"class_list":["post-20893","insight","type-insight","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight\/20893","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:attachment":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/media?parent=20893"}],"wp:term":[{"taxonomy":"insight-category","embeddable":true,"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight-category?post=20893"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}