{"id":21005,"date":"2024-09-30T14:16:25","date_gmt":"2024-09-30T19:16:25","guid":{"rendered":"https:\/\/bolttech.io\/insights\/api-bao-hiem-giup-hang-van-chuyen-pc-cai-thien-dich-vu-khach-hang-va-quy-trinh-lam-viec-nhu-the-nao\/"},"modified":"2024-09-30T14:16:28","modified_gmt":"2024-09-30T19:16:28","slug":"api-bao-hiem-giup-hang-van-chuyen-pc-cai-thien-dich-vu-khach-hang-va-quy-trinh-lam-viec-nhu-the-nao","status":"publish","type":"insight","link":"https:\/\/bolttech.io\/vi\/insights\/api-bao-hiem-giup-hang-van-chuyen-pc-cai-thien-dich-vu-khach-hang-va-quy-trinh-lam-viec-nhu-the-nao\/","title":{"rendered":"API b\u1ea3o hi\u1ec3m gi\u00fap h\u00e3ng v\u1eadn chuy\u1ec3n P&amp;C c\u1ea3i thi\u1ec7n d\u1ecbch v\u1ee5 kh\u00e1ch h\u00e0ng v\u00e0 quy tr\u00ecnh l\u00e0m vi\u1ec7c nh\u01b0 th\u1ebf n\u00e0o"},"content":{"rendered":"\n<p>B\u1ea3o hi\u1ec3m l\u00e0 n\u1ec1n t\u1ea3ng cho kinh doanh trong nhi\u1ec1u th\u1ebf k\u1ef7, nh\u01b0ng n\u00f3 c\u0169ng ch\u1eadm \u0111\u1ed5i m\u1edbi.\nNh\u01b0 <a href=\"http:\/\/cei.org\/pdf\/6170.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Eli Lehrer<\/a> vi\u1ebft trong s\u00e1ch tr\u1eafng n\u0103m 2007 cho Vi\u1ec7n Doanh nghi\u1ec7p C\u1ea1nh tranh, &#8220;K\u1ec3 t\u1eeb khi c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m gi\u1edbi thi\u1ec7u b\u1ea3o hi\u1ec3m ch\u1ee7 nh\u00e0 hi\u1ec7n \u0111\u1ea1i v\u00e0o n\u0103m 1959, ng\u00e0nh c\u00f4ng nghi\u1ec7p \u0111\u00e3 kh\u00f4ng gi\u1edbi thi\u1ec7u m\u1ed9t s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m t\u00e0i s\u1ea3n v\u00e0 th\u01b0\u01a1ng vong ho\u00e0n to\u00e0n m\u1edbi cho kh\u00e1ch h\u00e0ng c\u00e1 nh\u00e2n.&#8221; <\/p>\n\n<p>Nhi\u1ec1u th\u1ee9 \u0111\u00e3 thay \u0111\u1ed5i k\u1ec3 t\u1eeb n\u0103m 2007, bao g\u1ed3m c\u1ea3 c\u00e1ch ti\u1ebfp c\u1eadn \u0111\u1ed5i m\u1edbi c\u1ee7a c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m.\nC\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m P&amp;C ng\u00e0y nay n\u1eafm b\u1eaft s\u1ef1 \u0111\u1ed5i m\u1edbi kh\u00f4ng ch\u1ec9 trong c\u00e1c s\u1ea3n ph\u1ea9m h\u1ecd cung c\u1ea5p, m\u00e0 c\u00f2n trong c\u00e1c c\u00f4ng c\u1ee5 v\u00e0 n\u1ec1n t\u1ea3ng \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng \u0111\u1ec3 ph\u00e1t tri\u1ec3n s\u1ea3n ph\u1ea9m v\u00e0 k\u1ebft n\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng.\nTrong m\u1ed9t s\u1ed1 tr\u01b0\u1eddng h\u1ee3p, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m th\u1eadm ch\u00ed c\u00f2n n\u1eafm l\u1ea5y c\u00e1c c\u00f4ng ngh\u1ec7 c\u00f3 h\u00e0o quang t\u01b0\u01a1ng lai nh\u01b0 tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o, h\u1ecdc m\u00e1y v\u00e0 k\u1ebft xu\u1ea5t video 3D.  <\/p>\n\n<p>Giao di\u1ec7n l\u1eadp tr\u00ecnh \u1ee9ng d\u1ee5ng (API) kh\u00f4ng mang t\u00ednh t\u01b0\u01a1ng lai quy\u1ebfn r\u0169 nh\u01b0 tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o ho\u1eb7c video si\u00eau th\u1ef1c.\nTuy nhi\u00ean, h\u1ecd \u0111ang thay \u0111\u1ed5i c\u00e1ch c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m, ng\u00e2n h\u00e0ng v\u00e0 c\u00e1c t\u1ed5 ch\u1ee9c t\u01b0\u01a1ng t\u1ef1 x\u1eed l\u00fd qu\u00e1 tr\u00ecnh chuy\u1ec3n \u0111\u1ed5i t\u1eeb th\u1ebf gi\u1edbi t\u01b0\u01a1ng t\u1ef1 sang th\u1ebf gi\u1edbi k\u1ef9 thu\u1eadt s\u1ed1.\nC\u00e1c nh\u00e0 l\u00e3nh \u0111\u1ea1o b\u1ea3o hi\u1ec3m hi\u1ec3u c\u00e1ch th\u1ee9c ho\u1ea1t \u0111\u1ed9ng c\u1ee7a API c\u00f3 th\u1ec3 ph\u00e1t tri\u1ec3n c\u00e1c ph\u01b0\u01a1ng ph\u00e1p ti\u1ebfp c\u1eadn chu \u0111\u00e1o h\u01a1n \u0111\u1ec3 s\u1eed d\u1ee5ng c\u00f4ng ngh\u1ec7, quy\u1ec1n ri\u00eang t\u01b0 v\u00e0 b\u1ea3o m\u1eadt.  <\/p>\n\n<h2 class=\"wp-block-heading\">API l\u00e0 g\u00ec?<\/h2>\n\n<p>M\u1ed9t API, ho\u1eb7c giao di\u1ec7n l\u1eadp tr\u00ecnh \u1ee9ng d\u1ee5ng, k\u1ebft n\u1ed1i c\u00e1c h\u1ec7 th\u1ed1ng CNTT v\u00e0 c\u00e1c \u1ee9ng d\u1ee5ng v\u1edbi nhau, cho ph\u00e9p ch\u00fang s\u1eed d\u1ee5ng ch\u1ee9c n\u0103ng c\u1ee7a nhau, <a href=\"https:\/\/insly.com\/en\/blog\/is-using-apis-in-insurance-essential-for-your-business\/\" target=\"_blank\" rel=\"noreferrer noopener\">Triinu Murum\u0201e<\/a> t\u1ea1i Insly n\u00f3i.<\/p>\n\n<p>Th\u00f4ng th\u01b0\u1eddng, API \u0111\u01b0\u1ee3c x\u00e2y d\u1ef1ng tr\u00ean m\u1ed9t n\u1ec1n t\u1ea3ng duy nh\u1ea5t, m\u00e0 c\u1ea3 c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u00e0 kh\u00e1ch h\u00e0ng c\u1ee7a h\u1ecd \u0111\u1ec1u truy c\u1eadp.\n\u0110\u1ed1i v\u1edbi ng\u01b0\u1eddi d\u00f9ng, n\u1ec1n t\u1ea3ng n\u00e0y tr\u00f4ng gi\u1ed1ng nh\u01b0 m\u1ed9t c\u1ed5ng th\u00f4ng tin ho\u1eb7c ch\u01b0\u01a1ng tr\u00ecnh duy nh\u1ea5t; \u0111\u1eb1ng sau h\u1eadu tr\u01b0\u1eddng, API k\u1ebft n\u1ed1i c\u00e1c d\u1ea5u ch\u1ea5m gi\u1eefa c\u00e1c c\u01a1 s\u1edf d\u1eef li\u1ec7u ho\u1eb7c n\u1ec1n t\u1ea3ng ri\u00eang bi\u1ec7t, truy\u1ec1n v\u00e0 chia s\u1ebb th\u00f4ng tin. <\/p>\n\n<p>API cho ph\u00e9p c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 nh\u1eefng g\u00ec t\u1ed1t nh\u1ea5t c\u1ee7a c\u1ea3 hai th\u1ebf gi\u1edbi khi n\u00f3i \u0111\u1ebfn h\u1ec7 th\u1ed1ng m\u00e1y t\u00ednh c\u1ee7a h\u1ecd.\nH\u1ecd c\u00f3 th\u1ec3 ti\u1ebfp t\u1ee5c s\u1eed d\u1ee5ng v\u00e0 truy c\u1eadp c\u00e1c h\u1ec7 th\u1ed1ng c\u0169, nh\u01b0ng theo c\u00e1ch cung c\u1ea5p s\u1ef1 \u0111\u01a1n gi\u1ea3n khi l\u00e0m vi\u1ec7c v\u1edbi m\u1ed9t h\u1ec7 th\u1ed1ng duy nh\u1ea5t. <\/p>\n\n<p>C\u00e1ch l\u00e0m n\u00e0y \u0111\u00e3 c\u00f3 t\u00e1c \u0111\u1ed9ng s\u00e2u s\u1eafc \u0111\u1ebfn doanh nghi\u1ec7p.\n&#8220;M\u1ed9t s\u1ed1 c\u00f4ng ty \u0111\u1ed9t ph\u00e1 nh\u1ea5t \u0111\u00e3 t\u00ecm ra c\u00e1ch \u0111\u1ec3 s\u1eed d\u1ee5ng c\u00f4ng ngh\u1ec7 c\u00f4ng nghi\u1ec7p c\u0169 k\u1ef9, th\u00eam v\u00e0o c\u00e1c c\u1ea3i ti\u1ebfn m\u1edbi v\u00e0 g\u00f3i t\u1ea5t c\u1ea3 trong m\u1ed9t b\u1ed9 API hi\u1ec7n \u0111\u1ea1i. Khi l\u00e0m nh\u01b0 v\u1eady, c\u00e1c c\u00f4ng ty n\u00e0y \u0111\u00e3 m\u1edf ra ti\u1ec1m n\u0103ng ch\u01b0a \u0111\u01b0\u1ee3c khai th\u00e1c m\u00e0 kh\u00f4ng ai bi\u1ebft l\u00e0 c\u00f3 th\u1ec3&#8221;, <a href=\"https:\/\/medium.com\/@ClearcoverInc\/introducing-the-clearcover-api-making-car-insurance-available-anywhere-b82287a7b3e6\" target=\"_blank\" rel=\"noreferrer noopener\">Adam Fischer<\/a> c\u1ee7a Clearcover, c\u00f4ng ty x\u00e2y d\u1ef1ng c\u00e1c \u1ee9ng d\u1ee5ng b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 d\u1ef1a tr\u00ean API, n\u00f3i. <\/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\/image1-1024x683.jpg\" alt=\"\" class=\"wp-image-6288\" srcset=\"https:\/\/bolttech.io\/wp-content\/uploads\/2024\/08\/image1-1024x683.jpg 1024w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/08\/image1-300x200.jpg 300w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/08\/image1-768x512.jpg 768w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/08\/image1-1536x1024.jpg 1536w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/08\/image1.jpg 1999w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n<h2 class=\"wp-block-heading\">API b\u1ea3o hi\u1ec3m gi\u00fap c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m De-Silo nh\u01b0 th\u1ebf n\u00e0o<\/h2>\n\n<p>C\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 xu h\u01b0\u1edbng c\u00f3 c\u00e1c h\u1ec7 th\u1ed1ng \u0111\u1ed9c quy\u1ec1n, h\u1ea7u h\u1ebft trong s\u1ed1 \u0111\u00f3 y\u00eau c\u1ea7u c\u00e1c quy tr\u00ecnh t\u00edch h\u1ee3p t\u00f9y ch\u1ec9nh, <a href=\"https:\/\/medium.com\/@APIdays\/the-apidays-experts-creating-an-open-api-standard-in-the-insurance-world-bfc9ce98a031\" target=\"_blank\" rel=\"noreferrer noopener\">Fouad Husseini<\/a>, ng\u01b0\u1eddi s\u00e1ng l\u1eadp S\u00e1ng ki\u1ebfn B\u1ea3o hi\u1ec3m M\u1edf (OPIN) cho bi\u1ebft.\nT\u00ecnh tr\u1ea1ng n\u00e0y l\u00e0 n\u1ec1n t\u1ea3ng c\u1ee7a v\u1ea5n \u0111\u1ec1 im l\u1eb7ng b\u1ea3o hi\u1ec3m hi\u1ec7n t\u1ea1i. <\/p>\n\n<p>Hi\u1ec7n nay, c\u00e1c ph\u00f2ng ban trong c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m th\u01b0\u1eddng c\u00f3 h\u1ec7 th\u1ed1ng ri\u00eang.\nM\u1ed7i h\u1ec7 th\u1ed1ng c\u00f3 th\u1ec3 ch\u1ea1y ph\u1ea7n m\u1ec1m ri\u00eang c\u1ee7a m\u00ecnh v\u00e0 b\u1ecb \u0111\u00f3ng v\u1edbi c\u00e1c h\u1ec7 th\u1ed1ng kh\u00e1c trong c\u00f9ng m\u1ed9t c\u00f4ng ty.\nTh\u1eddi gian v\u00e0 c\u00f4ng s\u1ee9c b\u1ecb m\u1ea5t v\u00ec nh\u00e2n vi\u00ean ph\u1ea3i d\u1ecbch th\u00f4ng tin t\u1eeb h\u1ec7 th\u1ed1ng n\u00e0y sang h\u1ec7 th\u1ed1ng kh\u00e1c &#8211; m\u1ed9t t\u00ecnh hu\u1ed1ng c\u0169ng l\u00e0m t\u0103ng nguy c\u01a1 m\u1eafc l\u1ed7i.  <\/p>\n\n<p>API cung c\u1ea5p cho c\u00e1c h\u1ec7 th\u1ed1ng n\u00e0y m\u1ed9t ng\u00f4n ng\u1eef chung.\nH\u1ecd c\u0169ng cung c\u1ea5p cho ng\u01b0\u1eddi d\u00f9ng m\u1ed9t giao di\u1ec7n chung, \u0111\u1ec3 nh\u00e2n vi\u00ean v\u00e0 kh\u00e1ch h\u00e0ng kh\u00f4ng ph\u1ea3i h\u1ecdc m\u1ed9t h\u1ec7 th\u1ed1ng m\u1edbi cho m\u1ed7i s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m m\u1edbi m\u00e0 h\u1ecd x\u1eed l\u00fd. <\/p>\n\n<p>API c\u0169ng c\u00f3 th\u1ec3 gi\u00fap c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m giao ti\u1ebfp gi\u1eefa c\u00e1c ph\u00f2ng ban.\nCh\u1eb3ng h\u1ea1n, kh\u00f4ng ch\u1ec9 c\u00e1c b\u1ed9 ph\u1eadn b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 v\u00e0 b\u1ea3o hi\u1ec3m gia \u0111\u00ecnh c\u00f3 th\u1ec3 chia s\u1ebb th\u00f4ng tin d\u1ec5 d\u00e0ng, m\u00e0 c\u00e1c b\u1ed9 ph\u1eadn n\u00e0y c\u00f2n c\u00f3 th\u1ec3 chia s\u1ebb d\u1eef li\u1ec7u quan tr\u1ecdng d\u1ec5 d\u00e0ng v\u1edbi b\u1ed9 ph\u1eadn nh\u00e2n s\u1ef1 v\u00e0 c\u00e1c b\u1ed9 ph\u1eadn kh\u00e1c, <a href=\"https:\/\/www.verizonconnect.com\/resources\/article\/key-telematics-api-integrations\/\" target=\"_blank\" rel=\"noreferrer noopener\">Jennifer Coreno Strouth<\/a>, l\u00e3nh \u0111\u1ea1o qu\u1ea3n l\u00fd s\u1ea3n ph\u1ea9m t\u1ea1i Verizon cho bi\u1ebft. <\/p>\n\n<p>V\u00ec API b\u1ea3o hi\u1ec3m cho ph\u00e9p c\u00e1c b\u1ed9 ph\u1eadn kh\u00e1c nhau c\u1ee7a m\u1ed9t c\u00f4ng ty b\u1ea3o hi\u1ec3m giao ti\u1ebfp li\u1ec1n m\u1ea1ch, ch\u00fang l\u00e0 th\u00e0nh ph\u1ea7n c\u1ed1t l\u00f5i c\u1ee7a nhi\u1ec1u n\u1ed7 l\u1ef1c \u0111\u1ec3 lo\u1ea1i b\u1ecf c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m.<\/p>\n\n<h2 class=\"wp-block-heading\">T\u1ea1i sao c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m P&amp;C \u0111ang \u00e1p d\u1ee5ng c\u00f4ng ngh\u1ec7 API<\/h2>\n\n<p>Mua b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 tr\u1ef1c tuy\u1ebfn l\u00e0 m\u1ed9t trong nh\u1eefng c\u00e1ch s\u1eed d\u1ee5ng l\u00e2u \u0111\u1eddi nh\u1ea5t v\u00e0 n\u1ed5i ti\u1ebfng nh\u1ea5t cho API.\nCh\u00fang \u0111\u00e3 \u0111\u01b0\u1ee3c ch\u1ea5p nh\u1eadn trong c\u00e1c d\u00f2ng b\u1ea3o hi\u1ec3m c\u00e1 nh\u00e2n, nh\u01b0ng ch\u00fang v\u1eabn c\u00f2n h\u01a1i xa l\u1ea1 v\u1edbi c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng m\u1ea1i, b\u1ea5t ch\u1ea5p l\u1ee3i \u00edch c\u1ee7a ch\u00fang, <a href=\"https:\/\/www.zurich.com\/en\/knowledge\/articles\/2018\/07\/api-technologys-real-time-data-exchange\" target=\"_blank\" rel=\"noreferrer noopener\">Armin Schaefer<\/a>, ng\u01b0\u1eddi \u0111\u1ee9ng \u0111\u1ea7u c\u00f4ng ngh\u1ec7 k\u1ef9 thu\u1eadt s\u1ed1 v\u00e0 m\u1edbi cho c\u00e1c ch\u01b0\u01a1ng tr\u00ecnh qu\u1ed1c t\u1ebf t\u1ea1i Zurich n\u00f3i. <\/p>\n\n<p>&#8220;C\u00f4ng ngh\u1ec7 nh\u01b0 v\u1eady kh\u00f4ng ph\u1ea3i l\u00e0 m\u1edbi. Nh\u01b0ng c\u00e1ch ch\u00fang t\u00f4i \u0111ang s\u1eed d\u1ee5ng n\u00f3 \u0111\u1ec3 k\u1ebft n\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng ch\u1eafc ch\u1eafn l\u00e0 \u0111i\u1ec1u ch\u00fang t\u00f4i kh\u00f4ng th\u1ea5y \u1edf n\u01a1i kh\u00e1c&#8221;, Schaefer n\u00f3i v\u1ec1 vi\u1ec7c t\u00edch h\u1ee3p API c\u1ee7a Zurich v\u00e0o ho\u1ea1t \u0111\u1ed9ng kinh doanh th\u01b0\u01a1ng m\u1ea1i c\u1ee7a m\u00ecnh.<\/p>\n\n<p>Kh\u00e1ch h\u00e0ng kh\u00f4ng ph\u1ea3i l\u00e0 nh\u1eefng ng\u01b0\u1eddi duy nh\u1ea5t \u0111\u01b0\u1ee3c h\u01b0\u1edfng l\u1ee3i khi m\u1ed9t c\u00f4ng ty b\u1ea3o hi\u1ec3m ch\u1ea5p nh\u1eadn API.\nC\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u00e0 nh\u00e2n vi\u00ean c\u1ee7a h\u1ecd c\u0169ng \u0111\u01b0\u1ee3c h\u01b0\u1edfng l\u1ee3i. <\/p>\n\n<h3 class=\"wp-block-heading\">H\u1ecd c\u1ea3i thi\u1ec7n quy tr\u00ecnh l\u00e0m vi\u1ec7c v\u0103n ph\u00f2ng<\/h3>\n\n<p>B\u1eb1ng c\u00e1ch cho ph\u00e9p nh\u00e2n vi\u00ean v\u0103n ph\u00f2ng l\u00e0m vi\u1ec7c v\u1edbi m\u1ed9t bi\u1ec3u m\u1eabu, ch\u01b0\u01a1ng tr\u00ecnh ho\u1eb7c quy tr\u00ecnh duy nh\u1ea5t, API gi\u00fap nh\u00e2n vi\u00ean ho\u00e0n th\u00e0nh nhi\u1ec7m v\u1ee5 d\u1ec5 d\u00e0ng h\u01a1n \u0111\u1ed3ng th\u1eddi gi\u1ea3m kh\u1ea3 n\u0103ng x\u1ea3y ra l\u1ed7i.<\/p>\n\n<p>V\u00ed d\u1ee5, m\u1ed9t nh\u00e2n vi\u00ean b\u1ea3o hi\u1ec3m vi\u1ebft ch\u00ednh s\u00e1ch \u00f4 t\u00f4 hi\u1ec7n c\u00f3 th\u1ec3 c\u1ea7n truy c\u1eadp v\u00e0o c\u1ea3 h\u1ec7 th\u1ed1ng qu\u1ea3n l\u00fd \u0111\u1ea1i l\u00fd (AMS) v\u00e0 h\u1ec7 th\u1ed1ng b\u1ea3o l\u00e3nh ph\u00e1t h\u00e0nh.\nNh\u00e2n vi\u00ean n\u00e0y c\u00f3 th\u1ec3 ph\u1ea3i nh\u1eadp c\u00f9ng m\u1ed9t th\u00f4ng tin c\u01a1 b\u1ea3n hai l\u1ea7n, l\u00e0m t\u0103ng nguy c\u01a1 l\u1ed7i v\u00e0 c\u00f3 th\u1ec3 c\u1ea7n chuy\u1ec3n th\u00f4ng tin b\u1eb1ng tay t\u1eeb h\u1ec7 th\u1ed1ng n\u00e0y sang h\u1ec7 th\u1ed1ng kh\u00e1c. <\/p>\n\n<p>API b\u1ea3o hi\u1ec3m ti\u1ebft ki\u1ec7m th\u1eddi gian v\u00e0 c\u00f4ng s\u1ee9c b\u1eb1ng c\u00e1ch lo\u1ea1i b\u1ecf nh\u1eefng d\u01b0 th\u1eeba n\u00e0y.\n&#8220;V\u1edbi t\u00edch h\u1ee3p API, d\u1eef li\u1ec7u \u0111\u01b0\u1ee3c nh\u1eadp m\u1ed9t l\u1ea7n, di chuy\u1ec3n qua to\u00e0n b\u1ed9 qu\u00e1 tr\u00ecnh v\u1edbi m\u1ed9t b\u00e0n giao \u0111i\u1ec7n t\u1eed t\u1eeb h\u1ec7 th\u1ed1ng n\u00e0y sang h\u1ec7 th\u1ed1ng ti\u1ebfp theo v\u00e0 th\u1eadm ch\u00ed c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c ch\u1ecdn b\u1edfi m\u1ed9t c\u00e1 nh\u00e2n th\u1ee9 hai m\u1ed9t c\u00e1ch li\u1ec1n m\u1ea1ch&#8221;, <a href=\"http:\/\/insurancethoughtleadership.com\/5-reasons-to-stress-api-integration\/\" target=\"_blank\" rel=\"noreferrer noopener\">Doug Mohr<\/a>, ph\u00f3 ch\u1ee7 t\u1ecbch quan h\u1ec7 c\u00f4ng nghi\u1ec7p v\u00e0 quan h\u1ec7 \u0111\u1ed1i t\u00e1c t\u1ea1i Vertaforte n\u00f3i. <\/p>\n\n<figure class=\"wp-block-image aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"670\" src=\"https:\/\/bolttech.io\/wp-content\/uploads\/2024\/08\/work-discussion-1024x670.jpg\" alt=\"\" class=\"wp-image-6278\" srcset=\"https:\/\/bolttech.io\/wp-content\/uploads\/2024\/08\/work-discussion-1024x670.jpg 1024w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/08\/work-discussion-300x196.jpg 300w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/08\/work-discussion-768x502.jpg 768w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/08\/work-discussion-1536x1004.jpg 1536w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/08\/work-discussion.jpg 1999w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n<h3 class=\"wp-block-heading\">Ch\u00fang gi\u00fap b\u1ea1n ti\u1ebfp c\u1eadn nhi\u1ec1u kh\u00e1ch h\u00e0ng h\u01a1n<\/h3>\n\n<p>API gi\u00fap d\u1ec5 d\u00e0ng h\u1ee3p t\u00e1c v\u1edbi c\u00e1c c\u00f4ng ty v\u00e0 ng\u00e0nh c\u00f4ng nghi\u1ec7p c\u00f3 ho\u1ea1t \u0111\u1ed9ng li\u00ean quan c\u00f3 th\u1ec3 gi\u00fap thu h\u00fat kh\u00e1ch h\u00e0ng b\u1ea3o hi\u1ec3m, <a href=\"https:\/\/developer.ibm.com\/apiconnect\/2014\/09\/12\/apis-for-the-insurance-industry\/\" target=\"_blank\" rel=\"noreferrer noopener\">Alan Glickenhouse<\/a>, m\u1ed9t nh\u00e0 ph\u00e1t tri\u1ec3n c\u1ee7a IBM cho bi\u1ebft.<\/p>\n\n<p>&#8220;V\u00ed d\u1ee5: b\u1ea1n c\u00f3 th\u1ec3 cung c\u1ea5p API cho c\u00e1c th\u00e0nh vi\u00ean c\u00f4ng \u0111o\u00e0n t\u00edn d\u1ee5ng, ng\u01b0\u1eddi s\u1eed d\u1ee5ng lao \u0111\u1ed9ng, v.v., nh\u1eefng ng\u01b0\u1eddi c\u00f3 th\u1ec3 cung c\u1ea5p b\u1ea3o hi\u1ec3m c\u1ee7a b\u1ea1n cho nh\u00e2n vi\u00ean ho\u1eb7c kh\u00e1ch h\u00e0ng c\u1ee7a h\u1ecd,&#8221; Glickenhouse n\u00f3i.<\/p>\n\n<p>C\u00e1c l\u1ef1a ch\u1ecdn kh\u00e1c bao g\u1ed3m h\u1ee3p t\u00e1c v\u1edbi c\u00e1c \u0111\u1ea1i l\u00fd xe h\u01a1i \u0111\u1ec3 gi\u1edbi thi\u1ec7u cho ng\u01b0\u1eddi mua xe c\u00e1c l\u1ef1a ch\u1ecdn b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 ho\u1eb7c h\u1ee3p t\u00e1c v\u1edbi c\u00e1c d\u1ecbch v\u1ee5 b\u1ea5t \u0111\u1ed9ng s\u1ea3n \u0111\u1ec3 gi\u1edbi thi\u1ec7u ng\u01b0\u1eddi mua nh\u00e0 m\u1edbi cho c\u00e1c l\u1ef1a ch\u1ecdn b\u1ea3o hi\u1ec3m ch\u1ee7 nh\u00e0.\nAPI c\u0169ng l\u00e0 m\u1ed9t c\u00f4ng c\u1ee5 h\u1eefu \u00edch \u0111\u1ec3 c\u1ea3i thi\u1ec7n tr\u1ea3i nghi\u1ec7m c\u1ee7a kh\u00e1ch h\u00e0ng, v\u00ec ch\u00fang c\u00f3 th\u1ec3 c\u1ea3i thi\u1ec7n th\u1eddi gian b\u1ea3o l\u00e3nh ph\u00e1t h\u00e0nh v\u00e0 c\u1ea3i thi\u1ec7n quy\u1ec1n truy c\u1eadp v\u00e0o d\u1eef li\u1ec7u ch\u00ednh x\u00e1c li\u00ean quan \u0111\u1ebfn r\u1ee7i ro, <a href=\"https:\/\/www.ibm.com\/blogs\/insights-on-business\/insurance\/insurance-apis-the-new-insurtech-embrace\/\" target=\"_blank\" rel=\"noreferrer noopener\">Carolyn Martin<\/a> t\u1ea1i IBM cho bi\u1ebft. <\/p>\n\n<p>H\u1ecd c\u0169ng c\u00f3 th\u1ec3 gi\u00fap c\u1ea3i thi\u1ec7n tr\u1ea3i nghi\u1ec7m c\u1ee7a kh\u00e1ch h\u00e0ng theo nh\u1eefng c\u00e1ch kh\u00e1c.\n&#8220;V\u00ed d\u1ee5, d\u1ecbch v\u1ee5 GoodHome c\u1ee7a Allstate l\u1ea5y d\u1eef li\u1ec7u t\u1eeb ch\u00edn API &#8211; bao g\u1ed3m Google Maps, Onboard Informatics, Weather Underground, Berkeley Lab Home Energy Saver v\u00e0 Allstate&#8217;s Common &amp;Costly Claims &#8211; \u0111\u1ec3 cung c\u1ea5p cho kh\u00e1ch h\u00e0ng th\u00f4ng tin \u0111\u01b0\u1ee3c c\u00e1 nh\u00e2n h\u00f3a v\u00e0 c\u00e1c t\u00e0i nguy\u00ean li\u00ean quan c\u00f3 th\u1ec3 gi\u00fap h\u1ecd h\u1ecdc c\u00e1ch duy tr\u00ec v\u00e0 b\u1ea3o v\u1ec7 ng\u00f4i nh\u00e0 v\u00e0 cu\u1ed9c s\u1ed1ng c\u1ee7a h\u1ecd, <a href=\"https:\/\/www.capgemini.com\/2019\/03\/apis-a-digitally-integrated-insurance-ecosystem\/#\" target=\"_blank\" rel=\"noreferrer noopener\">&#8220;Tim Dwyer<\/a>, ng\u01b0\u1eddi \u0111\u1ee9ng \u0111\u1ea7u chuy\u1ec3n \u0111\u1ed5i k\u1ef9 thu\u1eadt s\u1ed1 v\u00e0 \u0111\u1ed5i m\u1edbi t\u1ea1i CapGemini n\u00f3i. <\/p>\n\n<h2 class=\"wp-block-heading\">B\u1eaft \u0111\u1ea7u v\u1edbi API b\u1ea3o hi\u1ec3m<\/h2>\n\n<p>API c\u00f3 th\u1ec3 th\u1ef1c hi\u1ec7n r\u1ea5t nhi\u1ec1u c\u00f4ng vi\u1ec7c n\u1eb7ng nh\u1ecdc, nh\u01b0ng ch\u00fang kh\u00f4ng th\u1ec3 l\u00e0m \u0111i\u1ec1u \u0111\u00f3 m\u1ed9t m\u00ecnh.\nCh\u1ecdn n\u1ec1n t\u1ea3ng ph\u1ea7n m\u1ec1m ph\u00f9 h\u1ee3p \u0111\u1ec3 h\u1ed7 tr\u1ee3 vi\u1ec7c s\u1eed d\u1ee5ng API c\u1ee7a b\u1ea1n l\u00e0 \u0111i\u1ec1u c\u1ea7n thi\u1ebft, <a href=\"https:\/\/www.verizonconnect.com\/resources\/article\/what-is-telematics\/\" target=\"_blank\" rel=\"noreferrer noopener\">Kevin Aries<\/a>, ng\u01b0\u1eddi \u0111\u1ee9ng \u0111\u1ea7u th\u00e0nh c\u00f4ng s\u1ea3n ph\u1ea9m to\u00e0n c\u1ea7u c\u1ee7a Verizon Connect cho bi\u1ebft. <\/p>\n\n<p>Ngo\u00e0i ra, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m s\u1ebd c\u1ea7n ph\u1ea3i l\u01b0u t\u00e2m \u0111\u1ebfn nhu c\u1ea7u t\u00e0i n\u0103ng c\u1ee7a h\u1ecd khi n\u00f3i \u0111\u1ebfn ph\u00e1t tri\u1ec3n, t\u00edch h\u1ee3p v\u00e0 kh\u1eafc ph\u1ee5c s\u1ef1 c\u1ed1 API, <a href=\"https:\/\/www.mckinsey.com\/business-functions\/digital-mckinsey\/our-insights\/the-seven-make-or-break-api-challenges-cios-need-to-address\" target=\"_blank\" rel=\"noreferrer noopener\">Keerthi Iyengar<\/a> v\u00e0 c\u00e1c nh\u00e0 nghi\u00ean c\u1ee9u \u0111\u1ed3ng nghi\u1ec7p t\u1ea1i McKinsey n\u00f3i.\nX\u00e1c \u0111\u1ecbnh t\u00e0i n\u0103ng CNTT m\u1edbi n\u00e0o c\u1ea7n thu\u00ea v\u00e0 nhi\u1ec7m v\u1ee5 n\u00e0o c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c giao cho c\u00e1c nh\u00e0 cung c\u1ea5p b\u00ean ngo\u00e0i m\u1ed9t c\u00e1ch an to\u00e0n l\u00e0 m\u1ed9t ph\u1ea7n c\u1ea7n thi\u1ebft trong vi\u1ec7c t\u1ea1o ra m\u1ed9t chi\u1ebfn l\u01b0\u1ee3c API h\u1ee3p l\u00fd. <\/p>\n\n<p>Nh\u00f3m c\u1ee7a Iyengar khuy\u00ean b\u1ea1n n\u00ean b\u1eaft \u0111\u1ea7u v\u1edbi m\u1ed9t c\u00e1i nh\u00ecn r\u00f5 r\u00e0ng v\u1ec1 c\u00e1c m\u1ee5c ti\u00eau c\u1ee7a c\u00f4ng ty, bao g\u1ed3m c\u00e1c ph\u00e9p \u0111o \u0111\u1ec3 theo d\u00f5i s\u1ef1 th\u00e0nh c\u00f4ng c\u1ee7a vi\u1ec7c tri\u1ec3n khai API trong vi\u1ec7c \u0111\u00e1p \u1ee9ng c\u00e1c m\u1ee5c ti\u00eau \u0111\u00f3.\nSau \u0111\u00f3, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 giao ti\u1ebfp d\u1ec5 d\u00e0ng h\u01a1n v\u1edbi SaaS v\u00e0 c\u00e1c nh\u00e0 cung c\u1ea5p d\u1ecbch v\u1ee5 kh\u00e1c v\u1ec1 nhu c\u1ea7u c\u1ee5 th\u1ec3 c\u1ee7a h\u1ecd. <\/p>\n\n<p>B\u1eb1ng c\u00e1ch k\u1ebft n\u1ed1i c\u00e1c h\u1ec7 th\u1ed1ng c\u0169 theo nh\u1eefng c\u00e1ch li\u1ec1n m\u1ea1ch, API mang \u0111\u1ebfn c\u01a1 h\u1ed9i lo\u1ea1i b\u1ecf c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m silo v\u00e0 c\u1ea3i thi\u1ec7n d\u1ecbch v\u1ee5 kh\u00e1ch h\u00e0ng m\u00e0 \u00edt b\u1ecb gi\u00e1n \u0111o\u1ea1n quy tr\u00ecnh l\u00e0m vi\u1ec7c h\u00e0ng ng\u00e0y.\nC\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m n\u1eafm b\u1eaft API b\u1ea3o hi\u1ec3m s\u1ebd c\u00f3 th\u1ec3 t\u1ef1 tin h\u01a1n trong m\u1ed9t t\u01b0\u01a1ng lai k\u1ef9 thu\u1eadt s\u1ed1 ho\u00e0n to\u00e0n. <\/p>\n\n<p><em>H\u00ecnh \u1ea3nh b\u1edfi: rawpixel\/\u00a9123RF.com, Sergey Nivens\/\u00a9123RF.com, kantver\/\u00a9123RF.com<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>B\u1ea3o hi\u1ec3m l\u00e0 n\u1ec1n t\u1ea3ng cho kinh doanh trong nhi\u1ec1u th\u1ebf k\u1ef7, nh\u01b0ng n\u00f3 c\u0169ng ch\u1eadm \u0111\u1ed5i m\u1edbi. Nh\u01b0 Eli Lehrer vi\u1ebft trong s\u00e1ch tr\u1eafng n\u0103m 2007 cho Vi\u1ec7n Doanh nghi\u1ec7p C\u1ea1nh tranh, &#8220;K\u1ec3 t\u1eeb khi c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m gi\u1edbi thi\u1ec7u b\u1ea3o hi\u1ec3m ch\u1ee7 nh\u00e0 hi\u1ec7n \u0111\u1ea1i v\u00e0o n\u0103m 1959, ng\u00e0nh c\u00f4ng nghi\u1ec7p [&hellip;]<\/p>\n","protected":false},"featured_media":0,"template":"","insight-category":[],"class_list":["post-21005","insight","type-insight","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight\/21005","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=21005"}],"wp:term":[{"taxonomy":"insight-category","embeddable":true,"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight-category?post=21005"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}