{"id":20948,"date":"2024-09-30T14:15:05","date_gmt":"2024-09-30T19:15:05","guid":{"rendered":"https:\/\/bolttech.io\/insights\/lam-the-nao-de-dap-ung-nhu-cau-cua-khach-hang-doi-voi-cac-giao-dich-bao-hiem-ngay-lap-tuc\/"},"modified":"2024-09-30T14:15:15","modified_gmt":"2024-09-30T19:15:15","slug":"lam-the-nao-de-dap-ung-nhu-cau-cua-khach-hang-doi-voi-cac-giao-dich-bao-hiem-ngay-lap-tuc","status":"publish","type":"insight","link":"https:\/\/bolttech.io\/vi\/insights\/lam-the-nao-de-dap-ung-nhu-cau-cua-khach-hang-doi-voi-cac-giao-dich-bao-hiem-ngay-lap-tuc\/","title":{"rendered":"L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 \u0111\u00e1p \u1ee9ng nhu c\u1ea7u c\u1ee7a kh\u00e1ch h\u00e0ng \u0111\u1ed1i v\u1edbi c\u00e1c giao d\u1ecbch b\u1ea3o hi\u1ec3m ngay l\u1eadp t\u1ee9c"},"content":{"rendered":"\n<p>Kh\u00e1ch h\u00e0ng ng\u00e0y nay lu\u00f4n \u0111\u01b0\u1ee3c k\u1ebft n\u1ed1i.\nH\u1ecd th\u1ef1c hi\u1ec7n m\u1ed9t lo\u1ea1t c\u00e1c nhi\u1ec7m v\u1ee5 h\u00e0ng ng\u00e0y trong m\u00f4i tr\u01b0\u1eddng k\u1ef9 thu\u1eadt s\u1ed1 v\u00e0 h\u1ecd c\u00f3 ti\u00eau chu\u1ea9n cao cho giao di\u1ec7n tr\u1ef1c tuy\u1ebfn. <\/p>\n\n<p>&#8220;Do c\u00e1c c\u01a1 h\u1ed9i ph\u00e1t tri\u1ec3n t\u1eeb vi\u1ec7c s\u1eed d\u1ee5ng c\u00f4ng ngh\u1ec7 hi\u1ec7n \u0111\u1ea1i, kh\u00e1ch h\u00e0ng th\u01b0\u1eddng \u0111\u00e1nh gi\u00e1 c\u00e1c t\u1ed5 ch\u1ee9c v\u1ec1 tr\u1ea3i nghi\u1ec7m kh\u00e1ch h\u00e0ng k\u1ef9 thu\u1eadt s\u1ed1 c\u1ee7a h\u1ecd tr\u01b0\u1edbc ti\u00ean&#8221;, <a href=\"https:\/\/www.superoffice.com\/blog\/digital-transformation\/\" target=\"_blank\" rel=\"noreferrer noopener\">Jennifer Lund<\/a>, gi\u00e1m \u0111\u1ed1c ti\u1ebfp th\u1ecb t\u1ea1i SuperOffice cho bi\u1ebft.<\/p>\n\n<p>C\u00e0ng ng\u00e0y, \u0111i\u1ec1u \u0111\u00f3 c\u00f3 ngh\u0129a l\u00e0 c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c \u0111\u00e1nh gi\u00e1 cao v\u1ec1 kh\u1ea3 n\u0103ng cung c\u1ea5p d\u1ecbch v\u1ee5 nhanh ch\u00f3ng, kh\u00f4ng ma s\u00e1t.\n\u0110\u1eb7c bi\u1ec7t, kh\u00e1ch h\u00e0ng c\u00f3 xu h\u01b0\u1edbng t\u1eadp trung v\u00e0o ba l\u0129nh v\u1ef1c: b\u00e1o gi\u00e1 ngay l\u1eadp t\u1ee9c, mua b\u1ea3o hi\u1ec3m t\u1ee9c th\u00ec v\u00e0 mua s\u1eafm m\u1ed9t c\u1eeda cho b\u1ea3o hi\u1ec3m nh\u00e0 v\u00e0 \u00f4 t\u00f4. <\/p>\n\n<h2 class=\"wp-block-heading\">Cung c\u1ea5p b\u00e1o gi\u00e1 nhanh<\/h2>\n\n<p>Kh\u00e1ch h\u00e0ng b\u1ea3o hi\u1ec3m ng\u00e0y nay mong mu\u1ed1n nh\u1eadn v\u00e0 so s\u00e1nh b\u00e1o gi\u00e1 c\u1ee7a c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u1ea1nh tranh m\u1ed9t c\u00e1ch nhanh ch\u00f3ng v\u00e0 d\u1ec5 d\u00e0ng.\nM\u1ecdi r\u00e0o c\u1ea3n m\u00e0 c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u1eb7t ra trong qu\u00e1 tr\u00ecnh n\u00e0y \u0111\u1ec1u ng\u0103n c\u1ea3n vi\u1ec7c ho\u00e0n th\u00e0nh c\u00e1c giao d\u1ecbch b\u1ea3o hi\u1ec3m ngay l\u1eadp t\u1ee9c, khi\u1ebfn kh\u00e1ch h\u00e0ng c\u00f3 nhi\u1ec1u kh\u1ea3 n\u0103ng s\u1ebd quay l\u01b0ng l\u1ea1i. <\/p>\n\n<p>C\u01a1n s\u1ed1t h\u01b0\u1edbng t\u1edbi tr\u00edch d\u1eabn ngay l\u1eadp t\u1ee9c b\u1eaft \u0111\u1ea7u v\u1edbi <a href=\"https:\/\/www.progressive.com\/about\/firsts\/\" target=\"_blank\" rel=\"noreferrer noopener\">Progressive<\/a>, cung c\u1ea5p c\u00e1c tr\u00edch d\u1eabn so s\u00e1nh qua \u0111i\u1ec7n tho\u1ea1i v\u00e0o \u0111\u1ea7u n\u0103m 1994 v\u00e0 tr\u1ef1c tuy\u1ebfn v\u00e0o \u0111\u1ea7u n\u0103m 1996.\n\u0110\u1ebfn n\u0103m 2002, c\u00f4ng ty \u0111\u00e3 chuy\u1ec3n sang cung c\u1ea5p t\u1ef7 l\u1ec7 so s\u00e1nh th\u1eddi gian th\u1ef1c cho kh\u00e1ch h\u00e0ng, cho h\u1ecd th\u1ea5y nh\u1eefng g\u00ec h\u1ecd c\u00f3 kh\u1ea3 n\u0103ng chi ti\u00eau v\u1edbi Progressive v\u00e0 v\u1edbi c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 h\u00e0ng \u0111\u1ea7u kh\u00e1c c\u1ee7a Hoa K\u1ef3. <\/p>\n\n<p>Ng\u00e0y nay, t\u00ean c\u1ee7a Progressive th\u1ef1c t\u1ebf \u0111\u1ed3ng ngh\u0129a v\u1edbi so s\u00e1nh t\u1ef7 l\u1ec7 th\u1eddi gian th\u1ef1c.\nNh\u01b0ng Progressive kh\u00f4ng so s\u00e1nh m\u1ee9c gi\u00e1 t\u1eeb m\u1ecdi c\u00f4ng ty b\u1ea3o hi\u1ec3m ho\u1eb7c cho m\u1ecdi lo\u1ea1i b\u1ea3o hi\u1ec3m v\u00e0 nh\u1eefng so s\u00e1nh n\u00e0y kh\u00f4ng t\u00ednh \u0111\u1ebfn m\u1eb7t tr\u00e1i c\u1ee7a nhu c\u1ea7u t\u1ed1c \u0111\u1ed9 c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng: nhu c\u1ea7u v\u1ec1 ch\u1ea5t l\u01b0\u1ee3ng d\u1ecbch v\u1ee5. <\/p>\n\n<p>&#8220;Ng\u00e0y nay, kh\u00e1ch h\u00e0ng g\u1eb7p ph\u1ea3i th\u1eddi gian t\u1ea3i ch\u1eadm, ch\u1eadm tr\u1ec5 v\u1eadn chuy\u1ec3n trong ng\u00e0y ho\u1eb7c ph\u1ea3n h\u1ed3i d\u1ecbch v\u1ee5 kh\u00e1ch h\u00e0ng m\u1ea5t hi\u1ec7u l\u1ef1c c\u00f3 th\u1ec3 t\u00e0n ph\u00e1 tuy\u1ec7t \u0111\u1ed1i gi\u1eefa c\u00e1c doanh nghi\u1ec7p&#8221;, <a href=\"https:\/\/www.forbes.com\/sites\/bradbirnbaum\/2019\/07\/10\/great-expectations-what-businesses-need-to-know-about-customer-service-in-the-on-demand-economy\/#1662cb0138b8\" target=\"_blank\" rel=\"noreferrer noopener\">Brad Birnbaum<\/a> t\u1ea1i Forbes n\u00f3i.<\/p>\n\n<p>Kh\u00e1ch h\u00e0ng mu\u1ed1n t\u1ed1c \u0111\u1ed9, nh\u01b0ng h\u1ecd mu\u1ed1n t\u1ed1c \u0111\u1ed9 v\u1edbi ch\u1ea5t l\u01b0\u1ee3ng.\n&#8220;Kh\u00e1ch h\u00e0ng tr\u00edch d\u1eabn d\u1ecbch v\u1ee5 &#8216;th\u00f4 l\u1ed7 v\u00e0 v\u1ed9i v\u00e0ng&#8217; l\u00e0 l\u00fd do s\u1ed1 m\u1ed9t c\u1ee7a h\u1ecd \u0111\u1ec3 t\u1eeb b\u1ecf m\u1ed9t th\u01b0\u01a1ng hi\u1ec7u, h\u01a1n l\u00e0 &#8216;d\u1ecbch v\u1ee5 ch\u1eadm&#8217; v\u00e0 &#8216;gi\u00e1 c\u1ea3'&#8221;, <a href=\"https:\/\/www.superoffice.com\/blog\/what-customers-want-you-to-know-about-them\/\" target=\"_blank\" rel=\"noreferrer noopener\">Steven MacDonald<\/a>, gi\u00e1m \u0111\u1ed1c ti\u1ebfp th\u1ecb k\u1ef9 thu\u1eadt s\u1ed1 t\u1ea1i SuperOffice n\u00f3i. <\/p>\n\n<p>Kh\u00e1ch h\u00e0ng nh\u1edb d\u1ecbch v\u1ee5 \u0111\u1eb7c bi\u1ec7t t\u1ed1t h\u01a1n d\u1ecbch v\u1ee5 t\u1ea7m th\u01b0\u1eddng, cho d\u00f9 n\u00f3 \u0111\u1eb7c bi\u1ec7t t\u1ed1t hay \u0111\u1eb7c bi\u1ec7t t\u1ec7, MacDonald n\u00f3i.\nT\u1eadp trung v\u00e0o ch\u1ea5t l\u01b0\u1ee3ng v\u01b0\u1ee3t tr\u1ed9i mua c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u1ea3 v\u1ec1 th\u1eddi gian v\u00e0 thi\u1ec7n ch\u00ed c\u1ee7a kh\u00e1ch h\u00e0ng. <\/p>\n\n<figure class=\"wp-block-image aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"612\" src=\"https:\/\/bolttech.io\/wp-content\/uploads\/2024\/08\/business-meeting-agreement-1024x612.jpg\" alt=\"\" class=\"wp-image-6495\" srcset=\"https:\/\/bolttech.io\/wp-content\/uploads\/2024\/08\/business-meeting-agreement-1024x612.jpg 1024w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/08\/business-meeting-agreement-300x179.jpg 300w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/08\/business-meeting-agreement-768x459.jpg 768w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/08\/business-meeting-agreement-1536x917.jpg 1536w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/08\/business-meeting-agreement.jpg 1999w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n<h2 class=\"wp-block-heading\">Ph\u00e1t h\u00e0nh v\u00e0 r\u00e0ng bu\u1ed9c t\u1ea1i ch\u1ed7<\/h2>\n\n<p>Trong khi b\u00e1o gi\u00e1 b\u1ea3o hi\u1ec3m t\u1ee9c th\u00ec ng\u00e0y c\u00e0ng ph\u1ed5 bi\u1ebfn, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u00edt c\u00f3 kh\u1ea3 n\u0103ng cho ph\u00e9p ng\u01b0\u1eddi mua s\u1eafm mua m\u1ed9t ch\u00ednh s\u00e1ch ho\u1ea1t \u0111\u1ed9ng ngay t\u1ea1i ch\u1ed7.\nTuy nhi\u00ean, nh\u1eefng lo\u1ea1i giao d\u1ecbch b\u1ea3o hi\u1ec3m ngay l\u1eadp t\u1ee9c n\u00e0y ch\u00ednh x\u00e1c l\u00e0 nh\u1eefng g\u00ec kh\u00e1ch h\u00e0ng t\u00ecm ki\u1ebfm. <\/p>\n\n<p>Theo m\u1ed9t nghi\u00ean c\u1ee9u c\u1ee7a <a href=\"https:\/\/www.bcg.com\/en-us\/industries\/insurance\/customer-centricity-in-insurance.aspx\" target=\"_blank\" rel=\"noreferrer noopener\">Boston Consulting Group<\/a> , \u0111\u01a1n \u0111\u0103ng k\u00fd b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 trung b\u00ecnh c\u1ee7a kh\u00e1ch h\u00e0ng m\u1ea5t 20 ph\u00fat \u0111\u1ec3 ho\u00e0n th\u00e0nh v\u00e0 s\u00e1u ng\u00e0y \u0111\u1ec3 x\u1eed l\u00fd.\n\u0110\u1ed1i v\u1edbi c\u00e1c lo\u1ea1i b\u1ea3o hi\u1ec3m t\u00e0i s\u1ea3n v\u00e0 th\u01b0\u01a1ng vong kh\u00e1c, kh\u00e1ch h\u00e0ng ch\u1ec9 d\u00e0nh t\u00e1m ph\u00fat cho \u1ee9ng d\u1ee5ng nh\u01b0ng v\u1eabn \u0111\u1ee3i s\u00e1u ng\u00e0y \u0111\u1ec3 c\u00f3 c\u00e2u tr\u1ea3 l\u1eddi.\nKh\u00e1ch h\u00e0ng kh\u00f4ng c\u00f2n \u0111\u1ee7 ki\u00ean nh\u1eabn \u0111\u1ec3 ch\u1ecbu \u0111\u1ef1ng s\u1ef1 ch\u1edd \u0111\u1ee3i \u0111\u00f3.  <\/p>\n\n<p>Trong n\u0103m tr\u01b0\u1edbc, nhu c\u1ea7u c\u1ee7a kh\u00e1ch h\u00e0ng \u0111\u1ed1i v\u1edbi th\u01b0\u01a1ng m\u1ea1i kh\u00f4ng ma s\u00e1t \u0111\u00e3 b\u00f9ng n\u1ed5.\nKh\u00e1ch h\u00e0ng c\u00f3 th\u1ec3 l\u1ea5y c\u00e0 ph\u00ea ho\u1eb7c pizza b\u1eb1ng c\u00e1ch \u0111\u1eb7t h\u00e0ng tr\u1ef1c tuy\u1ebfn b\u00e2y gi\u1edd mong \u0111\u1ee3i l\u00e0m \u0111i\u1ec1u t\u01b0\u01a1ng t\u1ef1 v\u1edbi c\u00e1c s\u1ea3n ph\u1ea9m kh\u00e1c, <a href=\"https:\/\/www.getelastic.com\/frictionless-commerce-the-future-of-customer-experience-is-seamless\" target=\"_blank\" rel=\"noreferrer noopener\">Darin Archer<\/a> t\u1ea1i GetElastic n\u00f3i.\nC\u00e1c d\u1ecbch v\u1ee5 nh\u01b0 Apple Pay c\u0169ng l\u00e0m t\u0103ng nhu c\u1ea7u v\u1ec1 c\u00e1c t\u00f9y ch\u1ecdn thanh to\u00e1n li\u1ec1n m\u1ea1ch.  <\/p>\n\n<p>\u0110\u1ed3ng th\u1eddi, cam k\u1ebft c\u1ee7a c\u00e1c nh\u00e0 b\u00e1n l\u1ebb tr\u1ef1c tuy\u1ebfn v\u1ec1 vi\u1ec7c v\u1eadn chuy\u1ec3n nhanh h\u01a1n \u0111\u00e3 t\u1ea1o ra k\u1ef3 v\u1ecdng \u1edf kh\u00e1ch h\u00e0ng r\u1eb1ng h\u1ecd s\u1ebd nh\u1eadn \u0111\u01b0\u1ee3c h\u00e0ng trong v\u00f2ng m\u1ed9t ho\u1eb7c hai ng\u00e0y sau khi \u0111\u01b0\u1ee3c \u0111\u1eb7t h\u00e0ng, <a href=\"http:\/\/www.nindelivers.com\/customer-service-delivered-how-retailers-delivery-service-impacts-consumer-behavior\/\" target=\"_blank\" rel=\"noreferrer noopener\">Lisa Bevan<\/a> t\u1ea1i Need It Now, m\u1ed9t d\u1ecbch v\u1ee5 chuy\u1ec3n ph\u00e1t nhanh cho bi\u1ebft.<\/p>\n\n<p>Kh\u00e1ch h\u00e0ng s\u1ebd ch\u1ecbu \u0111\u1ef1ng \u0111\u01b0\u1ee3c m\u1ed9t v\u00e0i ng\u00e0y ch\u1edd \u0111\u1ee3i khi h\u1ecd mua c\u00e1c m\u1eb7t h\u00e0ng h\u1eefu h\u00ecnh.\nNh\u01b0ng khi m\u1ed9t s\u1ea3n ph\u1ea9m l\u00e0 v\u00f4 h\u00ecnh, nh\u01b0 b\u1ea3o hi\u1ec3m, kh\u00e1ch h\u00e0ng c\u00f3 xu h\u01b0\u1edbng ph\u00e2n lo\u1ea1i n\u00f3 v\u1edbi c\u00e1c giao d\u1ecbch mua tr\u1ef1c tuy\u1ebfn v\u00f4 h\u00ecnh kh\u00e1c nh\u01b0 s\u00e1ch \u0111i\u1ec7n t\u1eed ho\u1eb7c tr\u00f2 ch\u01a1i \u0111i\u1ec7n t\u1eed.\n\u0110\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng, m\u1ed9t ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m kh\u00f4ng bao g\u1ed3m h\u1ecd trong th\u1eddi gian c\u1ea7n thi\u1ebft \u0111\u1ec3 t\u1ea3i xu\u1ed1ng c\u00e1c t\u00e0i li\u1ec7u ch\u00ednh s\u00e1ch ch\u1ec9 \u0111\u01a1n gi\u1ea3n l\u00e0 qu\u00e1 ch\u1eadm.  <\/p>\n\n<p>Ph\u1ea3n h\u1ed3i ch\u1eadm c\u0169ng c\u00f3 th\u1ec3 l\u00e0m gi\u1ea3m \u00fd ki\u1ebfn c\u1ee7a kh\u00e1ch h\u00e0ng v\u1ec1 c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u1ee7a h\u1ecd.\nV\u00ed d\u1ee5, nhi\u1ec1u kh\u00e1ch h\u00e0ng tin r\u1eb1ng c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m ki\u1ebfm ti\u1ec1n b\u1eb1ng c\u00e1ch t\u00ecm c\u00e1ch t\u1eeb ch\u1ed1i y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng &#8211; m\u1ed9t ni\u1ec1m tin m\u00e0 c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m t\u1eadp trung v\u00e0o t\u1ed1c \u0111\u1ed9 nh\u01b0 Lemonade ch\u01a1i trong ti\u1ebfp th\u1ecb c\u1ee7a h\u1ecd, <a href=\"https:\/\/insnerds.com\/lemonade-hype\/\" target=\"_blank\" rel=\"noreferrer noopener\">Nick Lamparelli<\/a> t\u1ea1i Insurance Nerds n\u00f3i.\nKhi c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m d\u00e0nh nhi\u1ec1u ng\u00e0y \u0111\u1ec3 quy\u1ebft \u0111\u1ecbnh ch\u1ea5p nh\u1eadn \u0111\u01a1n \u0111\u0103ng k\u00fd ho\u1eb7c y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng, kh\u00e1ch h\u00e0ng b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 nghi ng\u1edd \u0111i\u1ec1u t\u1ed3i t\u1ec7 nh\u1ea5t.  <\/p>\n\n<p>V\u1edbi nhu c\u1ea7u giao d\u1ecbch b\u1ea3o hi\u1ec3m ngay l\u1eadp t\u1ee9c ng\u00e0y c\u00e0ng t\u0103ng, t\u1ea1i sao c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u1eabn m\u1ea5t m\u1ed9t tu\u1ea7n ho\u1eb7c h\u01a1n \u0111\u1ec3 r\u00e0ng bu\u1ed9c ph\u1ea1m vi b\u1ea3o hi\u1ec3m?\nM\u1ed9t trong nh\u1eefng l\u00fd do c\u1ea5p b\u00e1ch nh\u1ea5t l\u00e0 nhu c\u1ea7u c\u00e2n b\u1eb1ng nhu c\u1ea7u c\u1ee7a kh\u00e1ch h\u00e0ng v\u1edbi \u0111\u1ed9 ch\u00ednh x\u00e1c c\u1ee7a b\u1ea3o l\u00e3nh ph\u00e1t h\u00e0nh, <a href=\"https:\/\/www.rgare.com\/knowledge-center\/media\/articles\/more-than-skin-deep-designing-a-new-business-underwriting-process-to-meet-customer-expectations\" target=\"_blank\" rel=\"noreferrer noopener\">Bruce Bosco<\/a>, ph\u00f3 ch\u1ee7 t\u1ecbch ph\u00e1t tri\u1ec3n kinh doanh t\u1ea1i AURA cho bi\u1ebft. <\/p>\n\n<p>&#8220;Qu\u00e1 nhi\u1ec1u nh\u00e0 m\u1ea1ng m\u1eafc sai l\u1ea7m ch\u1ebft ng\u01b0\u1eddi khi \u0111\u00e1nh gi\u00e1 sai kh\u1ea3 n\u0103ng b\u1ea3o l\u00e3nh ph\u00e1t h\u00e0nh \u0111i\u1ec7n t\u1eed hi\u1ec7n \u0111\u1ea1i. B\u1ea3o l\u00e3nh ph\u00e1t h\u00e0nh t\u1ef1 \u0111\u1ed9ng th\u01b0\u1eddng ch\u1ec9 \u0111\u01b0\u1ee3c coi l\u00e0 m\u1ed9t d\u1ea1ng ph\u1ea7n m\u1ec1m back-end kh\u00e1c ch\u1ee9 kh\u00f4ng ph\u1ea3i l\u00e0 ph\u01b0\u01a1ng ti\u1ec7n ch\u00ednh \u0111\u1ec3 c\u1ea3i thi\u1ec7n tr\u1ea3i nghi\u1ec7m c\u1ee7a kh\u00e1ch h\u00e0ng&#8221;, Bosco n\u00f3i.<\/p>\n\n<p>C\u0169ng nh\u01b0 c\u00e1c c\u1ed5ng th\u00f4ng tin tr\u1ef1c tuy\u1ebfn ho\u1eb7c s\u1ef1 hi\u1ec7n di\u1ec7n tr\u00ean web v\u00e0 di \u0111\u1ed9ng, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m kh\u00f4ng ph\u1ea3i l\u00fac n\u00e0o c\u0169ng t\u1ed1i \u01b0u h\u00f3a c\u00e1c c\u00f4ng c\u1ee5 h\u1ecd c\u00f3 \u0111\u1ec3 \u0111\u00e1p \u1ee9ng nhu c\u1ea7u c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng v\u1ec1 t\u1ed1c \u0111\u1ed9 v\u00e0 \u0111\u1ed9 ch\u00ednh x\u00e1c cao h\u01a1n.\nTuy nhi\u00ean, kh\u00e1ch h\u00e0ng d\u01b0\u1eddng nh\u01b0 bi\u1ebft nh\u1eefng g\u00ec c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u00e3 ch\u1eadm n\u1eafm b\u1eaft: Chuy\u1ec3n \u0111\u1ed5i k\u1ef9 thu\u1eadt s\u1ed1 c\u00f3 th\u1ec3 l\u00e0m cho ho\u1ea1t \u0111\u1ed9ng kinh doanh b\u1ea3o hi\u1ec3m nhanh h\u01a1n v\u00e0 ch\u00ednh x\u00e1c h\u01a1n. <\/p>\n\n<p>&#8220;Ti\u1ec1m n\u0103ng cho vi\u1ec7c s\u1eed d\u1ee5ng c\u00e1c c\u00f4ng ngh\u1ec7 m\u1edbi l\u00e0 r\u1ea5t l\u1edbn: Nhi\u1ec1u y\u00eau c\u1ea7u c\u1ee7a kh\u00e1ch h\u00e0ng, b\u00e1o c\u00e1o thi\u1ec7t h\u1ea1i ho\u1eb7c ph\u00e2n t\u00edch d\u1eef li\u1ec7u v\u1ec1 m\u1eb7t l\u00fd thuy\u1ebft c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c chu\u1ea9n h\u00f3a v\u00e0 t\u1ef1 \u0111\u1ed9ng h\u00f3a &#8211; \u0111i\u1ec1u ki\u1ec7n ti\u00ean quy\u1ebft l\u00fd t\u01b0\u1edfng \u0111\u1ec3 s\u1eed d\u1ee5ng m\u00e1y m\u00f3c th\u00f4ng minh&#8221;, <a href=\"https:\/\/www.mobilepaymentstoday.com\/blogs\/why-the-insurance-industry-has-fallen-behind-on-the-digital-highway\/\" target=\"_blank\" rel=\"noreferrer noopener\">Christian Wiens<\/a>, ng\u01b0\u1eddi s\u00e1ng l\u1eadp v\u00e0 CEO c\u1ee7a Getsafe cho bi\u1ebft.<\/p>\n\n<p>Kh\u00e1ch h\u00e0ng mu\u1ed1n nh\u1eefng g\u00ec c\u00f4ng ngh\u1ec7 k\u1ef9 thu\u1eadt s\u1ed1 ng\u00e0y nay cung c\u1ea5p.\nT\u00f9y thu\u1ed9c v\u00e0o c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u1ec3 th\u1ef1c hi\u1ec7n c\u00e1c c\u00f4ng c\u1ee5 \u0111\u00f3 m\u1ed9t c\u00e1ch hi\u1ec7u qu\u1ea3. <\/p>\n\n<figure class=\"wp-block-image aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/bolttech.io\/wp-content\/uploads\/2024\/08\/remote-work-1024x683.jpg\" alt=\"\" class=\"wp-image-6485\" srcset=\"https:\/\/bolttech.io\/wp-content\/uploads\/2024\/08\/remote-work-1024x683.jpg 1024w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/08\/remote-work-300x200.jpg 300w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/08\/remote-work-768x512.jpg 768w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/08\/remote-work-1536x1024.jpg 1536w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/08\/remote-work.jpg 1999w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n<h2 class=\"wp-block-heading\">T\u1ea1o tr\u1ea3i nghi\u1ec7m mua s\u1eafm m\u1ed9t c\u1eeda<\/h2>\n\n<p>B\u1ea3o hi\u1ec3m t\u1ee5t h\u1eadu trong cu\u1ed9c \u0111ua cung c\u1ea5p mua s\u1eafm k\u1ef9 thu\u1eadt s\u1ed1 thu\u1eadn ti\u1ec7n.\nTrong khi 52% l\u01b0u l\u01b0\u1ee3ng truy c\u1eadp b\u1ea3o hi\u1ec3m x\u1ea3y ra tr\u00ean thi\u1ebft b\u1ecb di \u0111\u1ed9ng v\u00e0o n\u0103m 2019, c\u00e1c trang web n\u00e0y th\u01b0\u1eddng thi\u1ebfu c\u00e1c t\u00ednh n\u0103ng ch\u00ednh m\u00e0 kh\u00e1ch h\u00e0ng y\u00eau c\u1ea7u, <a href=\"https:\/\/finance.yahoo.com\/news\/gartner-says-u-insurance-brands-121500183.html\" target=\"_blank\" rel=\"noreferrer noopener\">Elizabeth Elder<\/a>, gi\u00e1m \u0111\u1ed1c d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh t\u1ea1i Gartner cho bi\u1ebft. <\/p>\n\n<p>V\u00ed d\u1ee5: trong khi c\u00e1c trang web tr\u00ean m\u00e1y t\u00ednh \u0111\u1ec3 b\u00e0n c\u1ee7a nhi\u1ec1u c\u00f4ng ty b\u1ea3o hi\u1ec3m cho ph\u00e9p \u0111\u0103ng nh\u1eadp c\u1ee7a kh\u00e1ch h\u00e0ng v\u00e0 t\u00ecm ki\u1ebfm t\u1eeb kh\u00f3a, c\u00e1c trang web d\u00e0nh cho thi\u1ebft b\u1ecb di \u0111\u1ed9ng c\u1ee7a h\u1ecd th\u00ec kh\u00f4ng.\nTh\u00f4ng tin li\u00ean h\u1ec7 v\u00e0 c\u00e1c m\u1ee5c quan tr\u1ecdng kh\u00e1c th\u01b0\u1eddng b\u1ecb thi\u1ebfu tr\u00ean c\u00e1c trang web v\u00e0 \u1ee9ng d\u1ee5ng d\u00e0nh cho thi\u1ebft b\u1ecb di \u0111\u1ed9ng. <\/p>\n\n<p>T\u1ed3i t\u1ec7 nh\u1ea5t, c\u00e1c trang web b\u1ea3o hi\u1ec3m \u0111\u00e3 ch\u1ee9ng ki\u1ebfn s\u1ef1 s\u1ee5t gi\u1ea3m t\u1ed5ng th\u1ec3 s\u00e1u ph\u1ea7n tr\u0103m v\u1ec1 ch\u1ea5t l\u01b0\u1ee3ng v\u00e0o n\u0103m 2019, theo b\u00e1o c\u00e1o Ch\u1ec9 <a href=\"https:\/\/www.l2inc.com\/research\/insurance-us-2019\" target=\"_blank\" rel=\"noreferrer noopener\">s\u1ed1 IQ k\u1ef9 thu\u1eadt s\u1ed1 L2 c\u1ee7a Gartner: B\u1ea3o hi\u1ec3m Hoa K\u1ef3<\/a> .<\/p>\n\n<p>T\u00ecnh tr\u1ea1ng b\u1ea5p b\u00eanh c\u1ee7a vi\u1ec7c mua s\u1eafm b\u1ea3o hi\u1ec3m tr\u1ef1c tuy\u1ebfn \u0111i ng\u01b0\u1ee3c l\u1ea1i v\u1edbi mong mu\u1ed1n th\u1ef1c hi\u1ec7n c\u00e1c giao d\u1ecbch b\u1ea3o hi\u1ec3m ngay l\u1eadp t\u1ee9c c\u1ee7a kh\u00e1ch h\u00e0ng.\nN\u00f3 c\u0169ng g\u00e2y kh\u00f3 kh\u0103n cho vi\u1ec7c thu h\u00fat nh\u1eefng kh\u00e1ch h\u00e0ng mu\u1ed1n mua t\u1ea5t c\u1ea3 b\u1ea3o hi\u1ec3m c\u1ea7n thi\u1ebft c\u1ee7a h\u1ecd t\u1eeb m\u1ed9t c\u00f4ng ty b\u1ea3o hi\u1ec3m duy nh\u1ea5t. <\/p>\n\n<p>Nhu c\u1ea7u mua b\u1ea3o hi\u1ec3m m\u1ed9t c\u1eeda c\u1ee7a kh\u00e1ch h\u00e0ng ti\u1ebfp t\u1ee5c t\u0103ng.\nV\u00ed d\u1ee5, 70% ch\u1ee7 doanh nghi\u1ec7p mua b\u1ea3o hi\u1ec3m c\u00e1 nh\u00e2n tr\u1ef1c tuy\u1ebfn c\u0169ng mu\u1ed1n c\u00f3 th\u1ec3 mua b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng m\u1ea1i tr\u1ef1c tuy\u1ebfn, <a href=\"https:\/\/riskandinsurance.com\/shifting-expectations-in-commercial-insurance\/\" target=\"_blank\" rel=\"noreferrer noopener\">Ernie Feirer<\/a>, ph\u00f3 ch\u1ee7 t\u1ecbch v\u00e0 t\u1ed5ng gi\u00e1m \u0111\u1ed1c b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng m\u1ea1i t\u1ea1i LexisNexis Risk Solutions cho bi\u1ebft. <\/p>\n\n<p>Kh\u00e1ch h\u00e0ng c\u0169ng mu\u1ed1n mua s\u1eafm m\u1ed9t c\u1eeda cho c\u00e1c nhu c\u1ea7u b\u1ea3o hi\u1ec3m \u0111a d\u1ea1ng c\u1ee7a ri\u00eang h\u1ecd.\nTheo <a href=\"https:\/\/www.accenture.com\/us-en\/insights\/financial-services\/financial-services-consumer-study-2019\" target=\"_blank\" rel=\"noreferrer noopener\">Nghi\u00ean c\u1ee9u Ng\u01b0\u1eddi ti\u00eau d\u00f9ng D\u1ecbch v\u1ee5 T\u00e0i ch\u00ednh To\u00e0n c\u1ea7u n\u0103m 2019<\/a> c\u1ee7a Accenture, 50% ng\u01b0\u1eddi mua b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 v\u00e0 48% ch\u1ee7 nh\u00e0 mu\u1ed1n c\u00f3 gi\u1ea3i ph\u00e1p b\u1ea3o hi\u1ec3m m\u1ed9t c\u1eeda \u0111\u1ec3 b\u1ea3o hi\u1ec3m. <\/p>\n\n<p>Kh\u00e1ch h\u00e0ng th\u1eadm ch\u00ed c\u00f2n tham gia nhi\u1ec1u h\u01a1n khi c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u1ee7a h\u1ecd k\u1ebft h\u1ee3p b\u1ea3o hi\u1ec3m v\u1edbi c\u00e1c d\u1ecbch v\u1ee5 gi\u00e1 tr\u1ecb gia t\u0103ng nh\u01b0 c\u1ea3i thi\u1ec7n gi\u00e1m s\u00e1t nh\u00e0 ho\u1eb7c d\u1ecbch v\u1ee5 ch\u0103m s\u00f3c \u00f4 t\u00f4, <a href=\"https:\/\/insuranceblog.accenture.com\/consumers-want-carriers-to-provide-more-than-just-insurance\" target=\"_blank\" rel=\"noreferrer noopener\">Jean-Fran\u00e7ois Gasc<\/a> t\u1ea1i Accenture n\u00f3i.<\/p>\n\n<p>Mong mu\u1ed1n b\u1ea3o hi\u1ec3m theo g\u00f3i kh\u00f4ng ph\u1ea3i l\u00e0 m\u1edbi.\nNgay t\u1eeb n\u0103m 2007, kh\u00e1ch h\u00e0ng \u0111\u00e3 t\u00ecm ki\u1ebfm c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m cho ph\u00e9p h\u1ecd \u0111\u00f3ng g\u00f3i b\u1ea3o hi\u1ec3m nh\u00e0 v\u00e0 \u00f4 t\u00f4 ho\u1eb7c mua c\u1ea3 b\u1ea3o hi\u1ec3m c\u00e1 nh\u00e2n v\u00e0 th\u01b0\u01a1ng m\u1ea1i, <a href=\"http:\/\/www.sbnonline.com\/article\/insurance-one-stop-shopping-the-benefits-of-a-single-insurance-agency\/\" target=\"_blank\" rel=\"noreferrer noopener\">Amy Dison<\/a> n\u00f3i trong Smart Business.\nS\u1ef1 quan t\u00e2m \u0111\u1ebfn g\u00f3i b\u1ea3o hi\u1ec3m \u0111\u00e3 t\u0103ng l\u00ean c\u00f9ng v\u1edbi chuy\u1ec3n \u0111\u1ed5i k\u1ef9 thu\u1eadt s\u1ed1 trong b\u1ea3o hi\u1ec3m, nh\u01b0ng ng\u00e0nh b\u1ea3o hi\u1ec3m v\u1eabn ph\u1ea3i v\u1eadt l\u1ed9n \u0111\u1ec3 t\u1ed1i \u01b0u h\u00f3a c\u00e1c c\u00f4ng c\u1ee5 k\u1ef9 thu\u1eadt s\u1ed1 c\u1ee7a m\u00ecnh \u0111\u1ec3 cung c\u1ea5p tr\u1ea3i nghi\u1ec7m mua s\u1eafm m\u1ed9t c\u1eeda m\u00e0 kh\u00e1ch h\u00e0ng mu\u1ed1n.  <\/p>\n\n<p>Cu\u1ed1i c\u00f9ng, kh\u00e1ch h\u00e0ng b\u1ea3o hi\u1ec3m mu\u1ed1n d\u1ecbch v\u1ee5 nhanh h\u01a1n \u0111\u01b0\u1ee3c c\u00e1 nh\u00e2n h\u00f3a cao, Gasc n\u00f3i.\nV\u00ed d\u1ee5, 64% kh\u00e1ch h\u00e0ng b\u1ea3o hi\u1ec3m mu\u1ed1n ph\u00ed b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 ph\u00f9 h\u1ee3p v\u1edbi th\u00f3i quen l\u00e1i xe th\u1ef1c t\u1ebf c\u1ee7a h\u1ecd. <\/p>\n\n<p>D\u1eef li\u1ec7u l\u1edbn v\u00e0 c\u00e1c c\u00f4ng c\u1ee5 \u0111\u1ec3 ph\u00e2n t\u00edch n\u00f3, nh\u01b0 tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o v\u00e0 h\u1ecdc m\u00e1y, gi\u00fap c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 cung c\u1ea5p b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c c\u00e1 nh\u00e2n h\u00f3a h\u01a1n bao gi\u1edd h\u1ebft.\nTuy nhi\u00ean, \u0111\u1ec3 t\u1eadn d\u1ee5ng th\u00f4ng tin n\u00e0y, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m s\u1ebd c\u1ea7n t\u1ed1i \u01b0u h\u00f3a h\u1ec7 th\u1ed1ng k\u1ef9 thu\u1eadt s\u1ed1 c\u1ee7a h\u1ecd \u0111\u1ec3 s\u1eed d\u1ee5ng li\u1ec1n m\u1ea1ch cho c\u1ea3 kh\u00e1ch h\u00e0ng b\u1ea3o hi\u1ec3m v\u00e0 nh\u00e2n vi\u00ean c\u1ee7a h\u1ecd. <\/p>\n\n<p>May m\u1eafn thay, kh\u00e1ch h\u00e0ng v\u1eabn linh ho\u1ea1t v\u1ec1 c\u00e1c k\u00eanh h\u1ecd s\u1eed d\u1ee5ng: 66% n\u00f3i v\u1edbi Accenture r\u1eb1ng h\u1ecd kh\u00f4ng quan t\u00e2m li\u1ec7u h\u1ecd s\u1eed d\u1ee5ng m\u00e1y t\u00ednh \u0111\u1ec3 b\u00e0n, \u0111i\u1ec7n tho\u1ea1i di \u0111\u1ed9ng hay \u0111i\u1ec7n tho\u1ea1i mi\u1ec5n l\u00e0 h\u1ecd c\u00f3 \u0111\u01b0\u1ee3c d\u1ecbch v\u1ee5 ngay l\u1eadp t\u1ee9c m\u00e0 h\u1ecd mu\u1ed1n, Gasc n\u00f3i.\nCon s\u1ed1 n\u00e0y cho th\u1ea5y c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m s\u1ebd l\u00e0m t\u1ed1t nh\u1ea5t b\u1eb1ng c\u00e1ch t\u1eadp trung v\u00e0o d\u1ecbch v\u1ee5 nhanh h\u01a1n, ch\u00ednh x\u00e1c h\u01a1n thay v\u00ec v\u00e0o b\u1ea5t k\u1ef3 k\u00eanh ph\u00e2n ph\u1ed1i n\u00e0o. <\/p>\n\n<p><em>\u1ea2nh: rido\/\u00a9123RF.com, Edhar Yuralaits\/\u00a9123RF.com, Antonio Guillem\/\u00a9123RF.com<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Kh\u00e1ch h\u00e0ng ng\u00e0y nay lu\u00f4n \u0111\u01b0\u1ee3c k\u1ebft n\u1ed1i. H\u1ecd th\u1ef1c hi\u1ec7n m\u1ed9t lo\u1ea1t c\u00e1c nhi\u1ec7m v\u1ee5 h\u00e0ng ng\u00e0y trong m\u00f4i tr\u01b0\u1eddng k\u1ef9 thu\u1eadt s\u1ed1 v\u00e0 h\u1ecd c\u00f3 ti\u00eau chu\u1ea9n cao cho giao di\u1ec7n tr\u1ef1c tuy\u1ebfn. &#8220;Do c\u00e1c c\u01a1 h\u1ed9i ph\u00e1t tri\u1ec3n t\u1eeb vi\u1ec7c s\u1eed d\u1ee5ng c\u00f4ng ngh\u1ec7 hi\u1ec7n \u0111\u1ea1i, kh\u00e1ch h\u00e0ng th\u01b0\u1eddng \u0111\u00e1nh gi\u00e1 c\u00e1c [&hellip;]<\/p>\n","protected":false},"featured_media":6514,"template":"","insight-category":[],"class_list":["post-20948","insight","type-insight","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight\/20948","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\/6514"}],"wp:attachment":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/media?parent=20948"}],"wp:term":[{"taxonomy":"insight-category","embeddable":true,"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight-category?post=20948"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}