{"id":20982,"date":"2024-09-30T14:15:31","date_gmt":"2024-09-30T19:15:31","guid":{"rendered":"https:\/\/bolttech.io\/insights\/he-sinh-thai-bao-hiem-lam-the-nao-cac-nha-cung-cap-pc-co-the-xay-dung-quan-he-doi-tac-co-loi-nhuan\/"},"modified":"2024-09-30T14:15:36","modified_gmt":"2024-09-30T19:15:36","slug":"he-sinh-thai-bao-hiem-lam-the-nao-cac-nha-cung-cap-pc-co-the-xay-dung-quan-he-doi-tac-co-loi-nhuan","status":"publish","type":"insight","link":"https:\/\/bolttech.io\/vi\/insights\/he-sinh-thai-bao-hiem-lam-the-nao-cac-nha-cung-cap-pc-co-the-xay-dung-quan-he-doi-tac-co-loi-nhuan\/","title":{"rendered":"H\u1ec7 sinh th\u00e1i b\u1ea3o hi\u1ec3m: L\u00e0m th\u1ebf n\u00e0o c\u00e1c nh\u00e0 cung c\u1ea5p P&C c\u00f3 th\u1ec3 x\u00e2y d\u1ef1ng quan h\u1ec7 \u0111\u1ed1i t\u00e1c c\u00f3 l\u1ee3i nhu\u1eadn"},"content":{"rendered":"\n

Trong nhi\u1ec1u th\u1ebf k\u1ef7, b\u1ea3o hi\u1ec3m \u0111\u00e3 \u0111\u01b0\u1ee3c t\u1ed5 ch\u1ee9c theo c\u00e1c lo\u1ea1i t\u1ed5n th\u1ea5t m\u00e0 n\u00f3 bao g\u1ed3m.\nNg\u00e0nh c\u00f4ng nghi\u1ec7p ng\u00e0y nay \u0111\u01b0\u1ee3c chia th\u00e0nh c\u00e1c l\u0129nh v\u1ef1c th\u1ef1c h\u00e0nh nh\u01b0 cu\u1ed9c s\u1ed1ng, s\u1ee9c kh\u1ecfe v\u00e0 t\u00e0i s\u1ea3n v\u00e0 b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng vong. <\/p>\n\n

Tuy nhi\u00ean, khi k\u1ef3 v\u1ecdng c\u1ee7a kh\u00e1ch h\u00e0ng thay \u0111\u1ed5i, ti\u1ec7n \u00edch c\u1ee7a vi\u1ec7c t\u1ed5 ch\u1ee9c ng\u00e0nh b\u1ea3o hi\u1ec3m theo c\u00e1ch truy\u1ec1n th\u1ed1ng c\u0169ng v\u1eady.\nNhu c\u1ea7u c\u1ee7a kh\u00e1ch h\u00e0ng \u0111\u1ed1i v\u1edbi c\u00e1c s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c c\u00e1 nh\u00e2n h\u00f3a, truy\u1ec1n t\u1ea3i gi\u00e1 tr\u1ecb h\u01a1n \u0111\u00e3 l\u00e0m ph\u00e1t sinh h\u1ec7 sinh th\u00e1i b\u1ea3o hi\u1ec3m.\n\u0110\u00e2y l\u00e0 m\u1ed9t m\u1ea1ng l\u01b0\u1edbi k\u1ebft h\u1ee3p b\u1ea3o hi\u1ec3m v\u00e0 c\u00e1c d\u1ecbch v\u1ee5 kh\u00e1c \u0111\u1ec3 cung c\u1ea5p tr\u1ea3i nghi\u1ec7m l\u1ea5y kh\u00e1ch h\u00e0ng l\u00e0m trung t\u00e2m. <\/p>\n\n

C\u00e1c nh\u00e0 cung c\u1ea5p P&C s\u1ebd kh\u00f4ng bi\u1ebfn m\u1ea5t trong k\u1ef7 nguy\u00ean h\u1ec7 sinh th\u00e1i, nh\u01b0ng h\u1ecd s\u1ebd c\u1ea7n ph\u1ea3i thay \u0111\u1ed5i v\u00e0 th\u00edch nghi \u0111\u1ec3 \u0111\u00e1p \u1ee9ng t\u1ed1t h\u01a1n kh\u00e1ch h\u00e0ng \u1edf n\u01a1i h\u1ecd \u0111ang \u1edf.<\/p>\n\n

Hi\u1ec3u m\u00f4 h\u00ecnh h\u1ec7 sinh th\u00e1i<\/h2>\n\n

H\u1ec7 sinh th\u00e1i t\u1eadp trung v\u00e0o vi\u1ec7c cung c\u1ea5p gi\u00e1 tr\u1ecb h\u01a1n l\u00e0 s\u1ea3n ph\u1ea9m ho\u1eb7c d\u1ecbch v\u1ee5.\nThay v\u00ec y\u00eau c\u1ea7u kh\u00e1ch h\u00e0ng t\u1eadp h\u1ee3p c\u00e1c nh\u00e0 cung c\u1ea5p s\u1ea3n ph\u1ea9m v\u00e0 d\u1ecbch v\u1ee5 c\u1ee7a ri\u00eang h\u1ecd, m\u1ed9t m\u00f4 h\u00ecnh h\u1ec7 sinh th\u00e1i k\u1ebft h\u1ee3p l\u1ef1c l\u01b0\u1ee3ng c\u1ee7a c\u00e1c nh\u00e0 cung c\u1ea5p \u0111\u1ec3 t\u1ea1o ra tr\u1ea3i nghi\u1ec7m h\u1ed7 tr\u1ee3 m\u1ed9t c\u1eeda cho kh\u00e1ch h\u00e0ng. <\/p>\n\n

“H\u1ec7 sinh th\u00e1i l\u00e0 th\u1ecb tr\u01b0\u1eddng m\u1edbi: ch\u00fang k\u1ebft h\u1ee3p nhi\u1ec1u d\u1ecbch v\u1ee5 v\u00e0 nh\u00e0 cung c\u1ea5p tr\u00ean m\u1ed9t n\u1ec1n t\u1ea3ng \u0111\u1ec3 cung c\u1ea5p tr\u1ea3i nghi\u1ec7m to\u00e0n di\u1ec7n cho ng\u01b0\u1eddi d\u00f9ng”, Evangelos Avramakis<\/a>, ng\u01b0\u1eddi \u0111\u1ee9ng \u0111\u1ea7u R &D h\u1ec7 sinh th\u00e1i k\u1ef9 thu\u1eadt s\u1ed1, c\u00f9ng v\u1edbi c\u00e1c nh\u00e0 nghi\u00ean c\u1ee9u \u0111\u1ed3ng nghi\u1ec7p t\u1ea1i Vi\u1ec7n Re Th\u1ee5y S\u0129 cho bi\u1ebft. <\/p>\n\n

Th\u1ebf gi\u1edbi k\u1ef9 thu\u1eadt s\u1ed1 kh\u00f4ng ch\u1ec9 m\u1edf ra nhi\u1ec1u s\u1ef1 l\u1ef1a ch\u1ecdn h\u01a1n cho kh\u00e1ch h\u00e0ng m\u00e0 c\u00f2n c\u00f3 kh\u1ea3 n\u0103ng s\u1eafp x\u1ebfp ch\u00fang nhanh h\u01a1n.\nTruy c\u1eadp \u0111i\u1ec7n tho\u1ea1i th\u00f4ng minh v\u00e0o c\u00e1c n\u1ec1n t\u1ea3ng k\u1ef9 thu\u1eadt s\u1ed1 c\u00f3 ngh\u0129a l\u00e0 kh\u00e1ch h\u00e0ng c\u00f3 th\u1ec3 k\u1ebft n\u1ed1i v\u1edbi c\u00e1c c\u00f4ng ty, s\u1ea3n ph\u1ea9m v\u00e0 d\u1ecbch v\u1ee5 m\u00e0 h\u1ecd d\u1ef1a v\u00e0o t\u1eeb m\u1ecdi n\u01a1i, m\u1ecdi l\u00fac. <\/p>\n\n

“C\u00e1c d\u1ecbch v\u1ee5 b\u1ea3o hi\u1ec3m v\u00e0 t\u00e0i ch\u00ednh \u0111\u01b0\u1ee3c nh\u00fang m\u1ed9t c\u00e1ch t\u1ef1 nhi\u00ean v\u00e0o nhi\u1ec1u h\u1ec7 sinh th\u00e1i n\u00e0y”, Avramakis v\u00e0 c\u00e1c nh\u00e0 nghi\u00ean c\u1ee9u t\u1ea1i Vi\u1ec7n Swiss Re cho bi\u1ebft. <\/p>\n\n

V\u00ed d\u1ee5, kh\u00e1ch h\u00e0ng quan t\u00e2m \u0111\u1ebfn vi\u1ec7c gi\u1ea3i quy\u1ebft v\u1ea5n \u0111\u1ec1 giao th\u00f4ng c\u00f3 th\u1ec3 y\u00eau c\u1ea7u b\u1ea3o hi\u1ec3m \u0111\u1ec3 chi tr\u1ea3 cho \u00f4 t\u00f4, th\u1ef1c h\u00e0nh \u0111i chung xe ho\u1eb7c du l\u1ecbch.\nKh\u00e1ch h\u00e0ng c\u1ea7n s\u1eeda ch\u1eefa nh\u00e0 ho\u1eb7c an ninh c\u0169ng c\u00f3 th\u1ec3 c\u1ea7n gia h\u1ea1n ho\u1eb7c c\u1eadp nh\u1eadt ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m ch\u1ee7 nh\u00e0. <\/p>\n\n

S\u1ef1 gia t\u0103ng c\u1ee7a c\u00e1c h\u1ec7 sinh th\u00e1i \u0111\u00e3 \u0111\u01b0\u1ee3c k\u00edch ho\u1ea1t b\u1edfi s\u1ef1 gia t\u0103ng c\u1ee7a c\u00e1c n\u1ec1n t\u1ea3ng, Johannes-Tobias Lorenz<\/a>, \u0111\u1ed1i t\u00e1c cao c\u1ea5p t\u1ea1i McKinsey cho bi\u1ebft.\nKh\u1ea3 n\u0103ng th\u00edch \u1ee9ng c\u1ee7a c\u00e1c n\u1ec1n t\u1ea3ng k\u1ef9 thu\u1eadt s\u1ed1 cho ph\u00e9p c\u00e1c doanh nghi\u1ec7p h\u1ee3p t\u00e1c \u0111\u1ec3 t\u1ea1o ra h\u1ec7 sinh th\u00e1i.\nN\u00f3 c\u0169ng cho ph\u00e9p kh\u00e1ch h\u00e0ng t\u01b0\u01a1ng t\u00e1c v\u1edbi c\u00e1c c\u00f4ng ty v\u00e0 d\u1ecbch v\u1ee5 \u0111\u00e3 ch\u1ecdn c\u1ee7a h\u1ecd trong m\u1ed9t m\u00f4i tr\u01b0\u1eddng duy nh\u1ea5t. <\/p>\n\n

H\u1ec7 sinh th\u00e1i k\u1ef9 thu\u1eadt s\u1ed1 l\u00e0 s\u1ef1 t\u1ed5ng h\u1ee3p c\u1ee7a con ng\u01b0\u1eddi v\u00e0 s\u1ea3n ph\u1ea9m, Werner Rapberger<\/a>, gi\u00e1m \u0111\u1ed1c ch\u00ednh t\u1ea1i Accenture cho bi\u1ebft.\nB\u1eb1ng c\u00e1ch k\u1ebft h\u1ee3p c\u00e1c s\u1ea3n ph\u1ea9m, d\u1ecbch v\u1ee5 v\u00e0 t\u1ed5 ch\u1ee9c tr\u00ean m\u1ed9t n\u1ec1n t\u1ea3ng duy nh\u1ea5t, m\u1ed9t h\u1ec7 sinh th\u00e1i c\u00f3 th\u1ec3 “b\u00e1n k\u1ebft qu\u1ea3, ch\u1eb3ng h\u1ea1n nh\u01b0 ti\u1ebfp c\u1eadn giao th\u00f4ng an to\u00e0n, thay v\u00ec c\u00e1c s\u1ea3n ph\u1ea9m b\u1ecb ph\u00e2n m\u1ea3nh, ch\u1eb3ng h\u1ea1n nh\u01b0 \u00f4 t\u00f4, k\u1ebf ho\u1ea1ch d\u1ecbch v\u1ee5 v\u00e0 b\u1ea3o hi\u1ec3m”. <\/p>\n\n

Khi s\u1ef1 chuy\u1ec3n \u0111\u1ed5i sang h\u1ec7 sinh th\u00e1i ti\u1ebfp t\u1ee5c ph\u00e1t tri\u1ec3n, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m tr\u00ean t\u1ea5t c\u1ea3 c\u00e1c th\u1ecb tr\u01b0\u1eddng s\u1ebd c\u1ea7n ph\u1ea3i ch\u00fa \u00fd.<\/p>\n\n

“C\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m kh\u00f4ng th\u1ec3 tr\u00e1nh kh\u1ecfi hi\u1ec7n t\u01b0\u1ee3ng n\u00e0y: khi bi\u00ean gi\u1edbi ng\u00e0nh c\u00f4ng nghi\u1ec7p truy\u1ec1n th\u1ed1ng bi\u1ebfn m\u1ea5t, t\u01b0\u01a1ng lai c\u1ee7a b\u1ea3o hi\u1ec3m s\u1ebd b\u1ecb \u1ea3nh h\u01b0\u1edfng r\u1ea5t nhi\u1ec1u b\u1edfi c\u00e1c n\u1ec1n t\u1ea3ng v\u00e0 h\u1ec7 sinh th\u00e1i”, Tanguy Catlin<\/a>, m\u1ed9t \u0111\u1ed1i t\u00e1c cao c\u1ea5p t\u1ea1i McKinsey, c\u00f9ng v\u1edbi c\u00e1c nh\u00e0 nghi\u00ean c\u1ee9u \u0111\u1ed3ng nghi\u1ec7p cho bi\u1ebft. <\/p>\n\n

H\u1ecd \u01b0\u1edbc t\u00ednh r\u1eb1ng c\u00e1c h\u1ec7 sinh th\u00e1i s\u1ebd chi\u1ebfm 30% doanh thu to\u00e0n c\u1ea7u v\u00e0o n\u0103m 2025.<\/p>\n\n

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

M\u1edf r\u1ed9ng ra ngo\u00e0i ranh gi\u1edbi c\u1ee7a b\u1ea3o hi\u1ec3m<\/h2>\n\n

Theo truy\u1ec1n th\u1ed1ng, b\u1ea3o hi\u1ec3m l\u00e0 m\u1ed9t ng\u00e0nh c\u00f4ng nghi\u1ec7p \u00edt ti\u1ebfp x\u00fac, Lorenz n\u00f3i.\nTrong tr\u01b0\u1eddng h\u1ee3p kh\u00f4ng c\u00f3 r\u1ee7i ro, kh\u00e1ch h\u00e0ng ch\u1ec9 li\u00ean h\u1ec7 v\u1edbi c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u1ee7a h\u1ecd khi h\u1ecd c\u1ea7n gia h\u1ea1n ho\u1eb7c c\u1eadp nh\u1eadt b\u1ea3o hi\u1ec3m. <\/p>\n\n

B\u1ea3n ch\u1ea5t \u00edt ti\u1ebfp x\u00fac c\u1ee7a b\u1ea3o hi\u1ec3m truy\u1ec1n th\u1ed1ng l\u00e0 m\u1ed9t trong nh\u1eefng \u0111\u1eb7c \u0111i\u1ec3m khi\u1ebfn ng\u00e0nh \u0111\u1eb7c bi\u1ec7t d\u1ec5 b\u1ecb gi\u00e1n \u0111o\u1ea1n trong k\u1ef7 nguy\u00ean k\u1ef9 thu\u1eadt s\u1ed1.\nTrong v\u00e0i n\u0103m t\u1edbi, c\u00e1c c\u00f4ng ty ph\u1ea3n \u1ee9ng k\u00e9m h\u01a1n c\u00f3 kh\u1ea3 n\u0103ng m\u1ea5t 198 t\u1ef7 \u0111\u00f4 la doanh thu cho c\u00e1c \u0111\u1ed1i th\u1ee7 c\u1ea1nh tranh, nh\u1eefng ng\u01b0\u1eddi \u0111\u00e1p \u1ee9ng nhanh h\u01a1n nhu c\u1ea7u c\u1ee7a kh\u00e1ch h\u00e0ng, Michael Lyman<\/a>, gi\u00e1m \u0111\u1ed1c \u0111i\u1ec1u h\u00e0nh c\u1ea5p cao t\u1ea1i B\u1ea3o hi\u1ec3m Accenture cho bi\u1ebft. <\/p>\n\n

C\u00e1c h\u1ec7 sinh th\u00e1i ph\u00e1 v\u1ee1 b\u1ea3o hi\u1ec3m truy\u1ec1n th\u1ed1ng b\u1eb1ng c\u00e1ch y\u00eau c\u1ea7u m\u1ed9t s\u1ef1 t\u1eadp trung m\u1edbi v\u00e0o kh\u00e1ch h\u00e0ng, Philipp Harrschar<\/a>, gi\u00e1m \u0111\u1ed1c ph\u00e1t tri\u1ec3n kinh doanh t\u1ea1i Zuhlke n\u00f3i. <\/p>\n\n

V\u00ec kh\u00e1ch h\u00e0ng \u0111\u00e3 c\u00f3 kinh nghi\u1ec7m ti\u1ebfp c\u1eadn nhi\u1ec1u d\u1ecbch v\u1ee5 t\u1eeb c\u00f9ng m\u1ed9t n\u1ec1n t\u1ea3ng n\u00ean h\u1ecd hi\u1ec3u \u0111\u01b0\u1ee3c s\u1ef1 ti\u1ec7n l\u1ee3i v\u00e0 gi\u00e1 tr\u1ecb c\u1ee7a m\u00f4 h\u00ecnh h\u1ec7 sinh th\u00e1i.\nKh\u00e1ch h\u00e0ng ng\u00e0y c\u00e0ng mong \u0111\u1ee3i c\u00e1c c\u00f4ng ty, s\u1ea3n ph\u1ea9m v\u00e0 d\u1ecbch v\u1ee5 ri\u00eang l\u1ebb t\u00edch h\u1ee3p v\u00e0o m\u1ed9t h\u1ec7 sinh th\u00e1i v\u00e0 h\u1ecd ng\u00e0y c\u00e0ng kh\u00f4ng quan t\u00e2m \u0111\u1ebfn vi\u1ec7c l\u00e0m vi\u1ec7c v\u1edbi nh\u1eefng ng\u01b0\u1eddi kh\u00f4ng quan t\u00e2m. <\/p>\n\n

“Trong th\u1eddi \u0111i\u1ec3m l\u00f2ng trung th\u00e0nh v\u1edbi th\u01b0\u01a1ng hi\u1ec7u gi\u1ea3m, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m s\u1ebd ch\u1ec9 c\u00f3 th\u1ec3 gi\u1eef ch\u00e2n kh\u00e1ch h\u00e0ng c\u1ee7a h\u1ecd b\u1eb1ng c\u00e1ch cung c\u1ea5p tr\u1ea3i nghi\u1ec7m kh\u00e1ch h\u00e0ng chu \u0111\u00e1o”, Lukas Urech<\/a>, gi\u00e1m \u0111\u1ed1c ph\u00e1t tri\u1ec3n kinh doanh c\u1ea5p cao t\u1ea1i Zuhlke cho bi\u1ebft. <\/p>\n\n

\u0110\u1eb7c bi\u1ec7t, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m s\u1ebd c\u1ea7n t\u1eadp trung v\u00e0o c\u00e1c quy tr\u00ecnh k\u1ef9 thu\u1eadt s\u1ed1 hi\u1ec7u qu\u1ea3 v\u00e0 tr\u1ea3i nghi\u1ec7m k\u1ef9 thu\u1eadt s\u1ed1 li\u1ec1n m\u1ea1ch cho kh\u00e1ch h\u00e0ng. <\/p>\n\n

L\u00e0m th\u1ebf n\u00e0o d\u1eef li\u1ec7u l\u00e0m cho s\u1ef1 tham gia c\u1ee7a h\u1ec7 sinh th\u00e1i c\u00f3 th\u1ec3<\/h2>\n\n

Th\u00e0nh c\u00f4ng c\u1ee7a h\u1ec7 sinh th\u00e1i ph\u1ee5 thu\u1ed9c v\u00e0o ph\u00e2n t\u00edch d\u1eef li\u1ec7u nh\u1ea1y b\u00e9n.\nKhi kh\u00e1ch h\u00e0ng s\u1eed d\u1ee5ng h\u1ec7 sinh th\u00e1i, h\u1ecd t\u1ea1o ra m\u1ed9t l\u01b0\u1ee3ng l\u1edbn d\u1eef li\u1ec7u v\u1ec1 th\u00f3i quen, m\u00f4 h\u00ecnh v\u00e0 nhu c\u1ea7u c\u1ee7a h\u1ecd. <\/p>\n\n

M\u1ed9t s\u1ed1 ng\u01b0\u1eddi tham gia h\u1ec7 sinh th\u00e1i \u0111\u00e3 n\u1eafm b\u1eaft \u0111\u01b0\u1ee3c gi\u00e1 tr\u1ecb c\u1ee7a d\u1eef li\u1ec7u \u0111\u01b0\u1ee3c t\u1ea1o ra b\u1edfi s\u1ef1 tham gia c\u1ee7a kh\u00e1ch h\u00e0ng v\u00e0o h\u1ec7 sinh th\u00e1i.\nV\u00ed d\u1ee5, Amazon thu th\u1eadp d\u1eef li\u1ec7u kh\u00e1ch h\u00e0ng tr\u00ean t\u1ea5t c\u1ea3 c\u00e1c d\u1ecbch v\u1ee5 kh\u00e1c nhau c\u1ee7a m\u00ecnh, s\u1eed d\u1ee5ng tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o \u0111\u1ec3 \u0111\u00fac d\u1eef li\u1ec7u \u0111\u00f3 th\u00e0nh h\u00ecnh \u1ea3nh c\u1ee7a kh\u00e1ch h\u00e0ng, Jon Markman<\/a> t\u1ea1i Forbes cho bi\u1ebft.\nSau \u0111\u00f3, Amazon ki\u1ebfm ti\u1ec1n t\u1eeb ph\u00e2n t\u00edch d\u1eef li\u1ec7u \u0111\u00f3 b\u1eb1ng c\u00e1ch \u0111\u01b0a ra c\u00e1c \u0111\u1ec1 xu\u1ea5t \u0111\u01b0\u1ee3c c\u00e1 nh\u00e2n h\u00f3a cho kh\u00e1ch h\u00e0ng, th\u00fac \u0111\u1ea9y doanh s\u1ed1 b\u00e1n h\u00e0ng nhi\u1ec1u h\u01a1n. <\/p>\n\n

\u0110\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng, tr\u1ea3i nghi\u1ec7m thu\u1eadn ti\u1ec7n v\u00e0 li\u1ec1n m\u1ea1ch.\nH\u1ecd c\u00f3 th\u1ec3 th\u1ef1c hi\u1ec7n m\u1ed9t lo\u1ea1t c\u00e1c nhi\u1ec7m v\u1ee5 t\u1eeb n\u1ec1n t\u1ea3ng c\u1ee7a Amazon, t\u1ef1 tin r\u1eb1ng n\u00f3 nh\u1eadn ra c\u00e1c quy\u1ebft \u0111\u1ecbnh v\u00e0 h\u00e0nh vi trong qu\u00e1 kh\u1ee9 c\u1ee7a h\u1ecd \u0111\u1ec3 \u0111\u01b0a ra c\u00e1c \u0111\u1ec1 xu\u1ea5t s\u00e1ng su\u1ed1t. <\/p>\n\n

C\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u00e3 n\u1eafm b\u1eaft c\u00e1c c\u00f4ng ngh\u1ec7 c\u1ea7n thi\u1ebft \u0111\u1ec3 cung c\u1ea5p tr\u1ea3i nghi\u1ec7m li\u1ec1n m\u1ea1ch n\u00e0y, Stephen E. Applebaum<\/a> trong Insurance Innovation Reporter cho bi\u1ebft.\nV\u00ed d\u1ee5, c\u00e1c chatbot h\u1ed7 tr\u1ee3 AI c\u00f3 th\u1ec3 x\u1eed l\u00fd c\u00e1c y\u00eau c\u1ea7u ng\u00e0y c\u00e0ng ph\u1ee9c t\u1ea1p.\nC\u00e1c c\u00f4ng c\u1ee5 di \u0111\u1ed9ng cho ph\u00e9p c\u00e1c ch\u1ee7 h\u1ee3p \u0111\u1ed3ng b\u00e1o c\u00e1o t\u1ed5n th\u1ea5t nhanh ch\u00f3ng v\u00e0 cung c\u1ea5p th\u00f4ng tin chi ti\u1ebft h\u01a1n, bao g\u1ed3m \u1ea3nh v\u00e0 video. <\/p>\n\n

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

X\u00e2y d\u1ef1ng quan h\u1ec7 \u0111\u1ed1i t\u00e1c \u0111\u1ec3 gia t\u0103ng gi\u00e1 tr\u1ecb<\/h2>\n\n

Trong khi c\u00e1c c\u00f4ng ty nh\u01b0 Apple v\u00e0 Amazon l\u00e0m cho m\u00f4 h\u00ecnh h\u1ec7 sinh th\u00e1i tr\u1edf th\u00e0nh xu h\u01b0\u1edbng, t\u01b0\u01a1ng lai c\u1ee7a h\u1ec7 sinh th\u00e1i ph\u1ee5 thu\u1ed9c v\u00e0o quan h\u1ec7 \u0111\u1ed1i t\u00e1c m\u1ea1nh m\u1ebd tr\u00ean c\u00e1c ng\u00e0nh c\u00f4ng nghi\u1ec7p th\u00f4ng th\u01b0\u1eddng.\nM\u1ed9t b\u00e0i b\u00e1o n\u0103m 2017 c\u1ee7a Accenture<\/a> \u0111\u00e3 m\u00f4 t\u1ea3 c\u00e1c h\u1ec7 sinh th\u00e1i l\u00e0 “m\u1ed9t m\u00f4 h\u00ecnh kinh doanh m\u1edbi, trong \u0111\u00f3 c\u00e1c c\u00f4ng ty s\u1eed d\u1ee5ng c\u00e1c c\u00f4ng c\u1ee5 k\u1ef9 thu\u1eadt s\u1ed1 \u0111\u1ec3 v\u01b0\u1ee3t qua ranh gi\u1edbi ng\u00e0nh truy\u1ec1n th\u1ed1ng ho\u1eb7c t\u1ea1o d\u1ef1ng quan h\u1ec7 \u0111\u1ed1i t\u00e1c”. <\/p>\n\n

C\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 c\u1ea3i thi\u1ec7n kh\u1ea3 n\u0103ng gi\u1eef ch\u00e2n kh\u00e1ch h\u00e0ng b\u1eb1ng c\u00e1ch x\u00e2y d\u1ef1ng quan h\u1ec7 \u0111\u1ed1i t\u00e1c d\u1ef1a tr\u00ean h\u1ec7 sinh th\u00e1i nh\u01b0 v\u1eady, Sam Friedman, Michelle Canaan v\u00e0 Nikhil Gokhale<\/a> t\u1ea1i Deloitte cho bi\u1ebft.\nH\u1ecd \u0111\u1ec1 ngh\u1ecb c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m m\u1edf r\u1ed9ng ra ngo\u00e0i c\u00e1c s\u1ea3n ph\u1ea9m v\u00e0 d\u1ecbch v\u1ee5 th\u00f4ng th\u01b0\u1eddng c\u1ee7a h\u1ecd b\u1eb1ng c\u00e1ch “cung c\u1ea5p m\u1ed9t lo\u1ea1t c\u00e1c gi\u1ea3i ph\u00e1p h\u1ed7 tr\u1ee3 kinh doanh, c\u0169ng nh\u01b0 t\u1ea1o \u0111i\u1ec1u ki\u1ec7n cho c\u00e1c c\u01a1 h\u1ed9i gi\u00e1o d\u1ee5c v\u00e0 k\u1ebft n\u1ed1i cho kh\u00e1ch h\u00e0ng”. <\/p>\n\n

C\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u0169ng c\u00f3 th\u1ec3 x\u00e2y d\u1ef1ng quan h\u1ec7 \u0111\u1ed1i t\u00e1c \u0111\u1ec3 s\u1eed d\u1ee5ng d\u1eef li\u1ec7u hi\u1ec7u qu\u1ea3 h\u01a1n.\nTr\u00ean th\u1ef1c t\u1ebf, quan h\u1ec7 \u0111\u1ed1i t\u00e1c nh\u01b0 v\u1eady c\u00f3 th\u1ec3 r\u1ea5t c\u1ea7n thi\u1ebft cho m\u1ed9t m\u1ed1i quan h\u1ec7 h\u1ec7 sinh th\u00e1i m\u1ea1nh m\u1ebd. <\/p>\n\n

“Th\u00e0nh c\u00f4ng c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e1i b\u1ea3o hi\u1ec3m trong vi\u1ec7c t\u00edch h\u1ee3p \u0111\u1ec3 tr\u1edf th\u00e0nh m\u1ed9t ph\u1ea7n c\u1ee7a c\u1ed9ng \u0111\u1ed3ng h\u1ec7 sinh th\u00e1i k\u1ef9 thu\u1eadt s\u1ed1 s\u1ebd ph\u1ee5 thu\u1ed9c v\u00e0o s\u1ee9c m\u1ea1nh c\u1ee7a c\u00e1c \u0111\u1ed1i t\u00e1c c\u1ee7a h\u1ecd v\u00e0 \u0111\u00f2i h\u1ecfi kh\u1ea3 n\u0103ng \u0111\u1eb7c bi\u1ec7t, quy\u1ec1n truy c\u1eadp v\u00e0o d\u1eef li\u1ec7u v\u00e0 kh\u1ea3 n\u0103ng m\u00f4 h\u00ecnh h\u00f3a r\u1ee7i ro”, Avramakis v\u00e0 c\u00e1c nh\u00e0 nghi\u00ean c\u1ee9u t\u1ea1i Vi\u1ec7n Re Th\u1ee5y S\u0129 cho bi\u1ebft. <\/p>\n\n

C\u00e1c h\u1ec7 sinh th\u00e1i c\u00f3 xu h\u01b0\u1edbng t\u1eadp trung v\u00e0o c\u00e1c v\u1ea5n \u0111\u1ec1 ho\u1eb7c h\u00e0nh vi, h\u01a1n l\u00e0 c\u00e1c ng\u00e0nh c\u00f4ng nghi\u1ec7p th\u00f4ng th\u01b0\u1eddng.\n\u0110i\u1ec1u n\u00e0y c\u00f3 ngh\u0129a l\u00e0 b\u1ea5t k\u1ef3 c\u00f4ng ty n\u00e0o tham gia v\u00e0o m\u1ed9t h\u1ec7 sinh th\u00e1i \u0111\u1ec1u c\u00f3 th\u1ec3 n\u1eafm b\u1eaft c\u01a1 h\u1ed9i \u0111\u1ec3 t\u00ecm ki\u1ebfm c\u00e1c c\u00f4ng ty c\u00f9ng ch\u00ed h\u01b0\u1edbng \u0111\u1ec3 h\u1ee3p t\u00e1c. <\/p>\n\n

\u0110\u1ed1i v\u1edbi c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m P&C, \u0111i\u1ec1u n\u00e0y c\u00f3 ngh\u0129a l\u00e0 vi\u1ec7c t\u00ecm ki\u1ebfm \u0111\u1ed1i t\u00e1c c\u00f3 th\u1ec3 \u0111\u01a1n gi\u1ea3n nh\u01b0 ti\u1ebfp c\u1eadn v\u1edbi c\u00e1c c\u00f4ng ty li\u00ean quan \u0111\u00e3 mu\u1ed1n h\u1ee3p t\u00e1c ch\u1eb7t ch\u1ebd h\u01a1n v\u1edbi c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m. <\/p>\n\n

V\u00ed d\u1ee5, c\u00e1c nh\u00e0 s\u1ea3n xu\u1ea5t \u00f4 t\u00f4 Ford v\u00e0 VW g\u1ea7n \u0111\u00e2y \u0111\u00e3 c\u00f4ng b\u1ed1 quan h\u1ec7 \u0111\u1ed1i t\u00e1c \u0111\u1ec3 nghi\u00ean c\u1ee9u v\u00e0 ph\u00e1t tri\u1ec3n c\u00f4ng ngh\u1ec7 xe t\u1ef1 l\u00e1i, Denise Garth<\/a>, ph\u00f3 ch\u1ee7 t\u1ecbch ti\u1ebfp th\u1ecb chi\u1ebfn l\u01b0\u1ee3c t\u1ea1i Majesco cho bi\u1ebft.\nM\u1ed1i quan h\u1ec7 n\u00e0y cung c\u1ea5p m\u1ed9t v\u00ed d\u1ee5 v\u1ec1 c\u00e1ch hai c\u00f4ng ty c\u00f3 th\u1ec3 k\u1ebft n\u1ed1i trong m\u1ed9t h\u1ec7 sinh th\u00e1i m\u1edbi n\u1ed5i. <\/p>\n\n

Th\u1eadt d\u1ec5 d\u00e0ng \u0111\u1ec3 h\u00ecnh dung m\u1ed9t c\u00f4ng ty b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 tham gia m\u1ed9t quan h\u1ec7 \u0111\u1ed1i t\u00e1c nh\u01b0 v\u1eady.\nC\u00e1c nh\u00e0 cung c\u1ea5p b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 chia s\u1ebb s\u1ef1 quan t\u00e2m c\u1ee7a c\u00e1c nh\u00e0 s\u1ea3n xu\u1ea5t \u00f4 t\u00f4 \u0111\u1ed1i v\u1edbi c\u00f4ng ngh\u1ec7 xe t\u1ef1 tr\u1ecb v\u00e0 h\u1ecd c\u0169ng \u0111\u01b0a ra m\u1ed9t quan \u0111i\u1ec3m s\u00e1ng su\u1ed1t m\u00e0 c\u00e1c nh\u00e0 s\u1ea3n xu\u1ea5t \u00f4 t\u00f4 kh\u00f4ng c\u00f3: s\u1ef1 hi\u1ec3u bi\u1ebft v\u1ec1 h\u00e0nh vi v\u00e0 r\u1ee7i ro c\u1ee7a con ng\u01b0\u1eddi. <\/p>\n\n

B\u1eb1ng c\u00e1ch t\u1eadp trung v\u00e0o c\u00e1c v\u1ea5n \u0111\u1ec1 kh\u00e1ch h\u00e0ng c\u1ea7n gi\u1ea3i quy\u1ebft, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 t\u00ecm th\u1ea5y c\u00e1c m\u1ed1i quan h\u1ec7 \u0111\u1ed1i t\u00e1c c\u00f3 l\u1ee3i nhu\u1eadn \u0111\u1ec3 x\u00e2y d\u1ef1ng h\u1ec7 sinh th\u00e1i hi\u1ec7u qu\u1ea3. <\/p>\n\n

T\u01b0\u01a1ng lai c\u1ee7a h\u1ec7 sinh th\u00e1i b\u1ea3o hi\u1ec3m<\/h2>\n\n

Bi\u00ean gi\u1edbi ti\u1ebfp theo cho h\u1ec7 sinh th\u00e1i b\u1ea3o hi\u1ec3m l\u00e0 ph\u00f2ng ch\u1ed1ng t\u1ed5n th\u1ea5t.\n“\u0110\u01b0\u1ee3c th\u00fac \u0111\u1ea9y b\u1edfi c\u00e1c lu\u1ed3ng th\u00f4ng tin s\u1ebd \u0111\u01b0\u1ee3c truy\u1ec1n t\u1ea3i b\u1edfi h\u00e0ng t\u1ef7 th\u1ee9 \u0111\u01b0\u1ee3c k\u1ebft n\u1ed1i v\u00e0 bi\u1ebfn th\u00e0nh nh\u1eefng hi\u1ec3u bi\u1ebft v\u00e0 quy\u1ebft \u0111\u1ecbnh c\u00f3 th\u1ec3 h\u00e0nh \u0111\u1ed9ng th\u00f4ng qua vi\u1ec7c \u00e1p d\u1ee5ng tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o, c\u00e1c khi\u1ebfu n\u1ea1i s\u1ebd th\u1ef1c s\u1ef1 \u0111\u01b0\u1ee3c ng\u0103n ch\u1eb7n, bi\u1ebfn c\u00e1c nh\u00e0 cung c\u1ea5p d\u1ecbch v\u1ee5 th\u00e0nh c\u00e1c nh\u00e0 qu\u1ea3n l\u00fd r\u1ee7i ro theo ngh\u0129a ch\u00e2n th\u1ef1c nh\u1ea5t”, Applebaum n\u00f3i. <\/p>\n\n

Khi h\u1ec7 sinh th\u00e1i tr\u1edf n\u00ean thi\u1ebft l\u1eadp v\u00e0 hi\u1ec7u qu\u1ea3 h\u01a1n, c\u00e1c c\u00f4ng c\u1ee5 nh\u01b0 xe t\u1ef1 h\u00e0nh v\u00e0 k\u1ebft n\u1ed1i, c\u00e1c ch\u01b0\u01a1ng tr\u00ecnh h\u1ed7 tr\u1ee3 l\u00e1i xe ti\u00ean ti\u1ebfn v\u00e0 c\u1ea3m bi\u1ebfn nh\u00e0 th\u00f4ng minh s\u1ebd gi\u00fap kh\u00e1ch h\u00e0ng v\u00e0 c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u1ee7a h\u1ecd \u0111i tr\u01b0\u1edbc r\u1ee7i ro, ng\u0103n ng\u1eeba t\u1ed5n th\u1ea5t tr\u01b0\u1edbc khi ch\u00fang x\u1ea3y ra. <\/p>\n\n

C\u00e1c \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m c\u0169ng c\u00f3 th\u1ec3 \u0111\u00f3ng m\u1ed9t vai tr\u00f2 quan tr\u1ecdng trong t\u01b0\u01a1ng lai c\u1ee7a h\u1ec7 sinh th\u00e1i b\u1ea3o hi\u1ec3m, Patrick Kelahan<\/a> t\u1ea1i Fintech Daily cho bi\u1ebft.\nNhi\u1ec1u \u0111\u1ea1i l\u00fd \u0111\u00e3 t\u00ecm c\u00e1ch tr\u1edf th\u00e0nh chuy\u00ean gia trong c\u1ed9ng \u0111\u1ed3ng \u0111\u1ecba ph\u01b0\u01a1ng c\u1ee7a h\u1ecd, tr\u1edf th\u00e0nh ngu\u1ed3n khuy\u1ebfn ngh\u1ecb cho c\u00e1c c\u1eeda h\u00e0ng s\u1eeda ch\u1eefa \u00f4 t\u00f4, th\u1ee3 \u1ed1ng n\u01b0\u1edbc, nh\u00e0 th\u1ea7u v\u00e0 c\u00e1c d\u1ecbch v\u1ee5 t\u01b0\u01a1ng t\u1ef1 m\u00e0 kh\u00e1ch h\u00e0ng b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 v\u00e0 nh\u00e0 c\u1ee7a h\u1ecd c\u1ea7n. <\/p>\n\n

B\u1eb1ng c\u00e1ch k\u1ebft n\u1ed1i c\u00e1c ngu\u1ed3n l\u1ef1c t\u01b0\u01a1ng t\u1ef1 tr\u00ean quy m\u00f4 l\u1edbn h\u01a1n, h\u1ec7 sinh th\u00e1i b\u1ea3o hi\u1ec3m k\u1ef9 thu\u1eadt s\u1ed1 c\u00f3 th\u1ec3 t\u1ea1o ra tr\u1ea3i nghi\u1ec7m d\u1ecbch v\u1ee5 m\u1ed9t c\u1eeda m\u00e0 kh\u00e1ch h\u00e0ng mu\u1ed1n v\u00e0 c\u1ea7n \u0111\u1ec3 qu\u1ea3n l\u00fd r\u1ee7i ro. <\/p>\n\n

H\u00ecnh \u1ea3nh b\u1edfi: scyther5\/\u00a9123RF.com, Edhar Yuralaits\/\u00a9123RF.com, Edhar Yuralaits\/\u00a9123RF.com<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

Trong nhi\u1ec1u th\u1ebf k\u1ef7, b\u1ea3o hi\u1ec3m \u0111\u00e3 \u0111\u01b0\u1ee3c t\u1ed5 ch\u1ee9c theo c\u00e1c lo\u1ea1i t\u1ed5n th\u1ea5t m\u00e0 n\u00f3 bao g\u1ed3m. Ng\u00e0nh c\u00f4ng nghi\u1ec7p ng\u00e0y nay \u0111\u01b0\u1ee3c chia th\u00e0nh c\u00e1c l\u0129nh v\u1ef1c th\u1ef1c h\u00e0nh nh\u01b0 cu\u1ed9c s\u1ed1ng, s\u1ee9c kh\u1ecfe v\u00e0 t\u00e0i s\u1ea3n v\u00e0 b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng vong. Tuy nhi\u00ean, khi k\u1ef3 v\u1ecdng c\u1ee7a kh\u00e1ch h\u00e0ng thay \u0111\u1ed5i, […]<\/p>\n","protected":false},"featured_media":6587,"template":"","insight-category":[],"class_list":["post-20982","insight","type-insight","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight\/20982","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\/6587"}],"wp:attachment":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/media?parent=20982"}],"wp:term":[{"taxonomy":"insight-category","embeddable":true,"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight-category?post=20982"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}