{"id":21079,"date":"2024-09-30T14:17:28","date_gmt":"2024-09-30T19:17:28","guid":{"rendered":"https:\/\/bolttech.io\/insights\/lam-the-nao-cac-hang-van-chuyen-pc-co-the-bat-dau-voi-mot-he-sinh-thai-bao-hiem\/"},"modified":"2024-09-30T14:17:33","modified_gmt":"2024-09-30T19:17:33","slug":"lam-the-nao-cac-hang-van-chuyen-pc-co-the-bat-dau-voi-mot-he-sinh-thai-bao-hiem","status":"publish","type":"insight","link":"https:\/\/bolttech.io\/vi\/insights\/lam-the-nao-cac-hang-van-chuyen-pc-co-the-bat-dau-voi-mot-he-sinh-thai-bao-hiem\/","title":{"rendered":"L\u00e0m th\u1ebf n\u00e0o c\u00e1c h\u00e3ng v\u1eadn chuy\u1ec3n P&C c\u00f3 th\u1ec3 b\u1eaft \u0111\u1ea7u v\u1edbi m\u1ed9t h\u1ec7 sinh th\u00e1i b\u1ea3o hi\u1ec3m"},"content":{"rendered":"\n

C\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m P&C mu\u1ed1n \u0111i tr\u01b0\u1edbc kh\u00f4ng th\u1ec3 \u0111i theo b\u01b0\u1edbc ch\u00e2n c\u1ee7a c\u00e1c c\u00f4ng ty kh\u00e1c.\nThay v\u00e0o \u0111\u00f3, h\u1ecd ph\u1ea3i t\u1eadp trung v\u00e0o vi\u1ec7c t\u00edch h\u1ee3p t\u1ed5 ch\u1ee9c c\u1ee7a h\u1ecd v\u00e0o m\u1ed9t h\u1ec7 sinh th\u00e1i b\u1ea3o hi\u1ec3m. <\/p>\n\n

Nghi\u00ean c\u1ee9u c\u1ee7a Accenture ch\u1ee9ng minh r\u1eb1ng ph\u00e1t tri\u1ec3n h\u1ec7 sinh th\u00e1i l\u00e0 m\u1ed9t ngu\u1ed3n g\u00e2y gi\u00e1n \u0111o\u1ea1n r\u1ea5t l\u1edbn, Michael Lyman<\/a>, gi\u00e1m \u0111\u1ed1c \u0111i\u1ec1u h\u00e0nh c\u1ea5p cao c\u1ee7a B\u1ea3o hi\u1ec3m Accenture cho bi\u1ebft.\nC\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 tham gia c\u00f9ng 38% c\u00e1c c\u00f4ng ty ph\u00e1 v\u1ee1 h\u1ec7 sinh th\u00e1i, ho\u1eb7c l\u00e0 m\u1ed9t ph\u1ea7n c\u1ee7a 46% ph\u1ea3n \u1ee9ng v\u1edbi s\u1ef1 thay \u0111\u1ed5i. <\/p>\n\n

S\u1ef1 ph\u1ee9c t\u1ea1p c\u1ee7a c\u00e1c h\u1ec7 sinh th\u00e1i c\u00f3 th\u1ec3 g\u00e2y kh\u00f3 kh\u0103n cho ngay c\u1ea3 c\u00e1c chuy\u00ean gia P &C c\u00f3 kinh nghi\u1ec7m.\n\u0110\u1ec3 b\u1eaft \u0111\u1ea7u v\u1edbi m\u1ed9t h\u1ec7 sinh th\u00e1i k\u1ef9 thu\u1eadt s\u1ed1, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m s\u1ebd c\u1ea7n ph\u1ea3i hi\u1ec3u m\u1ee5c \u0111\u00edch v\u00e0 ch\u1ee9c n\u0103ng c\u1ee7a h\u1ec7 sinh th\u00e1i v\u1ec1 c\u00e1c y\u1ebfu t\u1ed1 c\u01a1 b\u1ea3n c\u1ee7a n\u00f3: t\u1eadp trung v\u00e0o kh\u00e1ch h\u00e0ng, quan h\u1ec7 \u0111\u1ed1i t\u00e1c kinh doanh v\u00e0 \u1ee9ng d\u1ee5ng k\u1ef9 thu\u1eadt. <\/p>\n\n

B\u01b0\u1edbc v\u00e0o \u0111\u00f4i gi\u00e0y c\u1ee7a kh\u00e1ch h\u00e0ng<\/h2>\n\n

Kh\u00e1ch h\u00e0ng th\u01b0\u1eddng ch\u1ec9 li\u00ean h\u1ec7 v\u1edbi c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u1ee7a h\u1ecd khi h\u1ecd c\u1ea7n c\u1eadp nh\u1eadt ch\u00ednh s\u00e1ch ho\u1eb7c n\u1ed9p \u0111\u01a1n y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng.\nKhi cu\u1ed9c s\u1ed1ng c\u1ee7a kh\u00e1ch h\u00e0ng \u0111ang di\u1ec5n ra t\u1ed1t \u0111\u1eb9p, h\u1ecd th\u1ea5y kh\u00f4ng c\u1ea7n ph\u1ea3i n\u00f3i chuy\u1ec7n v\u1edbi c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u1ee7a h\u1ecd. <\/p>\n\n

Tuy nhi\u00ean, khi c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m l\u1ea5y kh\u00e1ch h\u00e0ng l\u00e0m trung t\u00e2m, h\u1ecd c\u00f3 th\u1ec3 l\u00e0m cho vi\u1ec7c b\u1ea3o hi\u1ec3m tr\u1edf n\u00ean d\u1ec5 d\u00e0ng v\u00e0 th\u1eadm ch\u00ed th\u00fa v\u1ecb cho kh\u00e1ch h\u00e0ng, Will Pritchett<\/a>, ng\u01b0\u1eddi \u0111\u1ee9ng \u0111\u1ea7u to\u00e0n c\u1ea7u v\u1ec1 c\u00f4ng ngh\u1ec7 b\u1ea3o hi\u1ec3m t\u1ea1i KPMG International cho bi\u1ebft.\nV\u00ed d\u1ee5, vi\u1ec7c s\u1eed d\u1ee5ng c\u00e1c c\u00f4ng ngh\u1ec7 thanh to\u00e1n vi m\u00f4 c\u00f3 th\u1ec3 gi\u00fap kh\u00e1ch h\u00e0ng tr\u1ea3 ph\u00ed b\u1ea3o hi\u1ec3m ho\u1eb7c nh\u1eadn ho\u00e0n tr\u1ea3 ch\u1ec9 trong v\u00e0i gi\u00e2y, thay v\u00ec v\u00e0i ng\u00e0y ho\u1eb7c v\u00e0i tu\u1ea7n.\nThanh to\u00e1n \u0111\u01a1n gi\u1ea3n l\u00e0m cho kh\u00e1ch h\u00e0ng h\u1ea1nh ph\u00fac h\u01a1n. <\/p>\n\n

“B\u1ea3n ch\u1ea5t \u0111\u01a1n gi\u1ea3n c\u1ee7a con ng\u01b0\u1eddi l\u00e0 h\u00e0i l\u00f2ng v\u1edbi nh\u1eefng ng\u01b0\u1eddi kh\u00f4ng l\u00e0m cho cu\u1ed9c s\u1ed1ng tr\u1edf n\u00ean kh\u00f3 kh\u0103n,” Pritchett n\u00f3i.<\/p>\n\n

M\u1ed9t chi\u1ebfn l\u01b0\u1ee3c h\u1ec7 sinh th\u00e1i k\u1ef9 thu\u1eadt s\u1ed1 th\u00e0nh c\u00f4ng t\u00ecm c\u00e1ch t\u1ea1o ra gi\u00e1 tr\u1ecb cho kh\u00e1ch h\u00e0ng b\u1eb1ng c\u00e1ch \u0111\u00e1p \u1ee9ng nhu c\u1ea7u c\u1ee7a kh\u00e1ch h\u00e0ng t\u1eeb quan \u0111i\u1ec3m c\u1ee7a kh\u00e1ch h\u00e0ng, Mike Connor<\/a>, Gi\u00e1m \u0111\u1ed1c \u0111i\u1ec1u h\u00e0nh t\u1ea1i Silicon Valley Insurance Accelerator cho bi\u1ebft.\nKhi c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m nh\u00ecn nh\u1eadn quan \u0111i\u1ec3m c\u1ee7a kh\u00e1ch h\u00e0ng, h\u1ecd d\u1ec5 d\u00e0ng tr\u1edf th\u00e0nh m\u1ed9t ph\u1ea7n thi\u1ebft y\u1ebfu trong th\u1ebf gi\u1edbi c\u1ee7a kh\u00e1ch h\u00e0ng.\nH\u1ecd c\u0169ng c\u00f3 th\u1ec3 x\u00e1c \u0111\u1ecbnh c\u00e1c c\u01a1 h\u1ed9i \u0111\u1ec3 n\u00e2ng cao nh\u1eadn th\u1ee9c, gia t\u0103ng gi\u00e1 tr\u1ecb v\u00e0 tham gia v\u00e0o cu\u1ed9c s\u1ed1ng h\u00e0ng ng\u00e0y c\u1ee7a kh\u00e1ch h\u00e0ng. <\/p>\n\n

V\u00ed d\u1ee5: h\u1ee3p t\u00e1c v\u1edbi m\u1ed9t trang web b\u00e1n xe tr\u1ef1c tuy\u1ebfn cho ph\u00e9p c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m cung c\u1ea5p b\u1ea3o hi\u1ec3m ngay khi kh\u00e1ch h\u00e0ng mua xe.\n\u0110\u00e2y l\u00e0 m\u1ed9t b\u01b0\u1edbc \u0111i th\u00f4ng minh, v\u00ec \u0111\u00e2y ch\u00ednh x\u00e1c l\u00e0 th\u1eddi \u0111i\u1ec3m h\u1ecd c\u1ea7n b\u1ea3o hi\u1ec3m \u0111\u1ec3 b\u1eaft \u0111\u1ea7u, Neil Betteridge<\/a>, ph\u00f3 ch\u1ee7 t\u1ecbch chi\u1ebfn l\u01b0\u1ee3c t\u1ea1i Guidewire n\u00f3i. <\/p>\n\n

B\u01b0\u1edbc v\u00e0o v\u1ecb tr\u00ed c\u1ee7a kh\u00e1ch h\u00e0ng mang \u0111\u1ebfn c\u01a1 h\u1ed9i m\u1edbi cho c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u1ec3 hi\u1ec3u kh\u00f4ng ch\u1ec9 nh\u1eefng s\u1ea3n ph\u1ea9m v\u00e0 d\u1ecbch v\u1ee5 m\u00e0 kh\u00e1ch h\u00e0ng mu\u1ed1n, m\u00e0 c\u00f2n c\u1ea7n h\u1ed7 tr\u1ee3 nh\u01b0 th\u1ebf n\u00e0o, khi n\u00e0o v\u00e0 \u1edf \u0111\u00e2u, Chantal Bonggay<\/a> t\u1ea1i REIN n\u00f3i.\nT\u1eeb vi\u1ec7c cung c\u1ea5p b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 t\u1ea1i th\u1eddi \u0111i\u1ec3m b\u00e1n xe \u0111\u1ebfn k\u1ebft n\u1ed1i v\u1edbi ng\u01b0\u1eddi mua nh\u00e0 l\u1ea7n \u0111\u1ea7u th\u00f4ng qua c\u00e1c nh\u00e0 m\u00f4i gi\u1edbi, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m nh\u00ecn th\u1ebf gi\u1edbi qua con m\u1eaft c\u1ee7a kh\u00e1ch h\u00e0ng s\u1eb5n s\u00e0ng x\u00e2y d\u1ef1ng h\u1ec7 sinh th\u00e1i cung c\u1ea5p cho kh\u00e1ch h\u00e0ng nh\u1eefng g\u00ec h\u1ecd mu\u1ed1n khi h\u1ecd c\u1ea7n. <\/p>\n\n

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

X\u00e2y d\u1ef1ng quan h\u1ec7 \u0111\u1ed1i t\u00e1c b\u1ec1n ch\u1eb7t<\/h2>\n\n

B\u1ea3o hi\u1ec3m lu\u00f4n ph\u1ee5 thu\u1ed9c v\u00e0o c\u00e1c m\u1ea1ng l\u01b0\u1edbi \u0111\u1ec3 t\u1ed3n t\u1ea1i v\u00e0 ph\u00e1t tri\u1ec3n.\nTrong khi cu\u1ed9c c\u00e1ch m\u1ea1ng k\u1ef9 thu\u1eadt s\u1ed1 \u0111\u00e3 thay \u0111\u1ed5i v\u00e0 m\u1edf r\u1ed9ng \u0111\u1ecbnh ngh\u0129a v\u1ec1 m\u1ea1ng, s\u1ef1 ph\u1ee5 thu\u1ed9c c\u1ee7a c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u00e0o m\u1ea1ng c\u1ee7a h\u1ecd v\u1eabn kh\u00f4ng thay \u0111\u1ed5i.\nTr\u00ean th\u1ef1c t\u1ebf, n\u00f3 ch\u1ec9 ph\u00e1t tri\u1ec3n, Denise Garth<\/a> t\u1ea1i Majesco n\u00f3i. <\/p>\n\n

Ng\u00e0y nay, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m kh\u00f4ng ch\u1ec9 d\u1ef1a v\u00e0o m\u1ea1ng l\u01b0\u1edbi kh\u00e1ch h\u00e0ng, \u0111\u1ea1i l\u00fd v\u00e0 nh\u00e0 m\u00f4i gi\u1edbi \u0111\u01b0\u1ee3c t\u1ea1o ra b\u1edfi truy\u1ec1n mi\u1ec7ng v\u00e0 c\u00e1c m\u1ed1i quan h\u1ec7 c\u00e1 nh\u00e2n, m\u00e0 c\u00f2n d\u1ef1a v\u00e0o c\u00e1c m\u1ea1ng k\u1ef9 thu\u1eadt s\u1ed1 k\u1ebft n\u1ed1i h\u1ecd v\u1edbi kh\u00e1ch h\u00e0ng v\u00e0 c\u00e1c b\u00ean kh\u00e1c.\nC\u00e1c m\u1ea1ng k\u1ef9 thu\u1eadt s\u1ed1 n\u00e0y cung c\u1ea5p c\u01a1 h\u1ed9i \u0111\u1ec3 th\u00eam m\u1ed9t nh\u00f3m ng\u01b0\u1eddi ch\u01a1i m\u1edbi v\u00e0o m\u1ea1ng l\u01b0\u1edbi b\u1ea3o hi\u1ec3m: c\u00e1c \u0111\u1ed1i t\u00e1c h\u1ec7 sinh th\u00e1i. <\/p>\n\n

B\u1edfi v\u00ec s\u1ef1 tham gia c\u1ee7a h\u1ec7 sinh th\u00e1i d\u1ef1a tr\u00ean quan \u0111i\u1ec3m l\u1ea5y kh\u00e1ch h\u00e0ng l\u00e0m trung t\u00e2m v\u1ec1 b\u1ea3o hi\u1ec3m, quan h\u1ec7 \u0111\u1ed1i t\u00e1c trong h\u1ec7 sinh th\u00e1i b\u1ea3o hi\u1ec3m th\u01b0\u1eddng \u0111\u1ea1t \u0111\u01b0\u1ee3c tr\u00ean c\u00e1c ng\u00e0nh c\u00f4ng nghi\u1ec7p.\n\u0110\u00f3 l\u00e0 b\u1edfi v\u00ec \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng, b\u1ea3o hi\u1ec3m l\u00e0 m\u1ed9t ph\u1ea7n h\u1ed7 tr\u1ee3 trong c\u00e1c l\u0129nh v\u1ef1c quan tr\u1ecdng kh\u00e1c trong cu\u1ed9c s\u1ed1ng c\u1ee7a h\u1ecd. <\/p>\n\n

Tuy nhi\u00ean, quan h\u1ec7 \u0111\u1ed1i t\u00e1c li\u00ean ng\u00e0nh kh\u00f4ng ch\u1ec9 mang l\u1ea1i l\u1ee3i \u00edch cho kh\u00e1ch h\u00e0ng.\n“B\u1eb1ng c\u00e1ch h\u1ee3p t\u00e1c v\u1edbi c\u00e1c t\u1ed5 ch\u1ee9c kh\u00e1c, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 ti\u1ebfp c\u1eadn m\u1ed9t nh\u00f3m kh\u00e1ch h\u00e0ng ti\u1ec1m n\u0103ng r\u1ed9ng h\u01a1n, khai th\u00e1c c\u00e1c ngu\u1ed3n d\u1eef li\u1ec7u m\u1edbi v\u00e0 c\u1ea3i thi\u1ec7n c\u00e1c quy tr\u00ecnh \u0111\u00e3 \u0111\u01b0\u1ee3c thi\u1ebft l\u1eadp”, Patricia Moore<\/a>, t\u00e1c gi\u1ea3 ch\u00ednh t\u1ea1i One Inc cho bi\u1ebft. <\/p>\n\n

C\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 hi\u1ec3u r\u00f5 h\u01a1n m\u00e0 kh\u00f4ng l\u00e0m c\u0103ng th\u1eb3ng c\u00e1c ngu\u1ed3n l\u1ef1c hi\u1ec7n c\u00f3 c\u1ee7a h\u1ecd b\u1eb1ng c\u00e1ch chia s\u1ebb d\u1eef li\u1ec7u v\u00e0 ph\u01b0\u01a1ng ph\u00e1p v\u1edbi c\u00e1c c\u00f4ng ty kh\u00e1c.\nC\u00e1c v\u00ed d\u1ee5 hi\u1ec7n t\u1ea1i bao g\u1ed3m quan h\u1ec7 \u0111\u1ed1i t\u00e1c gi\u1eefa c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u00e0 c\u00e1c t\u1ed5 ch\u1ee9c nh\u01b0 nh\u00e0 s\u1ea3n xu\u1ea5t \u00f4 t\u00f4, \u0111\u1ea1i l\u00fd xe h\u01a1i, m\u00f4i gi\u1edbi v\u00e0 \u0111\u1ea1i l\u00fd cho thu\u00ea nh\u00e0.\nTuy nhi\u00ean, nh\u1eefng quan h\u1ec7 \u0111\u1ed1i t\u00e1c n\u00e0y ch\u1ec9 l\u00e0 ph\u1ea7n n\u1ed5i c\u1ee7a t\u1ea3ng b\u0103ng ch\u00ecm trong h\u1ec7 sinh th\u00e1i. <\/p>\n\n

Insurtech cung c\u1ea5p m\u1ed9t \u0111i\u1ec3m kh\u1edfi \u0111\u1ea7u d\u1ec5 d\u00e0ng cho c\u00e1c m\u1ed1i quan h\u1ec7 h\u1ec7 sinh th\u00e1i.\n\u0110\u1ed1i t\u00e1c Ernst and Young Jamie Smith<\/a> v\u00e0 Gi\u00e1m \u0111\u1ed1c \u0111i\u1ec1u h\u00e0nh Insurtech Australia Simon O’Dell n\u00f3i r\u1eb1ng s\u1ed1 l\u01b0\u1ee3ng quan h\u1ec7 \u0111\u1ed1i t\u00e1c t\u00edch c\u1ef1c gi\u1eefa c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u01b0\u01a1ng nhi\u1ec7m v\u00e0 c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u00e3 t\u0103ng 75% ch\u1ec9 trong n\u0103m 2018.\n“C\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u00e3 ph\u1ea3n \u1ee9ng b\u1eb1ng c\u00e1ch t\u0103ng c\u01b0\u1eddng t\u1eadp trung v\u00e0o c\u00e1c m\u00f4 h\u00ecnh kinh doanh m\u1edbi \u0111\u1ec3 \u0111\u1ed5i m\u1edbi d\u1ecbch v\u1ee5 kh\u00e1ch h\u00e0ng ngay trong chu\u1ed7i gi\u00e1 tr\u1ecb.” <\/p>\n\n

\u0110\u00e2y ch\u00ednh x\u00e1c l\u00e0 c\u00e1ch ti\u1ebfp c\u1eadn c\u1ea7n thi\u1ebft \u0111\u1ec3 x\u00e2y d\u1ef1ng m\u1ed9t h\u1ec7 sinh th\u00e1i l\u1ea5y kh\u00e1ch h\u00e0ng l\u00e0m trung t\u00e2m.<\/p>\n\n

H\u00e3y l\u00e0 \u0111\u1ed1i t\u00e1c b\u1ea1n mu\u1ed1n c\u00f3 trong h\u1ec7 sinh th\u00e1i c\u1ee7a m\u00ecnh<\/h2>\n\n

C\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m t\u1ef1 tin v\u1ec1 kh\u1ea3 n\u0103ng tr\u1edf th\u00e0nh m\u1ed9t \u0111\u1ed1i t\u00e1c h\u1ec7 sinh th\u00e1i t\u1ed1t.\nTrong m\u1ed9t nghi\u00ean c\u1ee9u c\u1ee7a Accenture, 95% gi\u00e1m \u0111\u1ed1c \u0111i\u1ec1u h\u00e0nh b\u1ea3o hi\u1ec3m cho bi\u1ebft c\u00f4ng ty c\u1ee7a h\u1ecd s\u1ebd l\u00e0 \u0111\u1ed1i t\u00e1c h\u1ec7 sinh th\u00e1i h\u1ea5p d\u1eabn.\nCh\u1ec9 c\u00f3 4% s\u1ed1 ng\u01b0\u1eddi \u0111\u01b0\u1ee3c h\u1ecfi cho bi\u1ebft h\u1ecd s\u1ebd l\u00e0 m\u1ed9t \u0111\u1ed1i t\u00e1c trung b\u00ecnh, Michael Lyman<\/a> n\u00f3i. <\/p>\n\n

Tuy nhi\u00ean, tr\u00ean th\u1ef1c t\u1ebf, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m kh\u00f4ng \u0111\u01b0\u1ee3c chu\u1ea9n b\u1ecb \u0111\u1ec3 tr\u1edf th\u00e0nh lo\u1ea1i \u0111\u1ed1i t\u00e1c m\u00e0 h\u1ecd mong mu\u1ed1n nh\u1ea5t trong m\u1ed9t h\u1ec7 sinh th\u00e1i.\nTrong khi 95% t\u1ef1 \u0111\u00e1nh gi\u00e1 m\u00ecnh l\u00e0 \u0111\u1ed1i t\u00e1c h\u1ea5p d\u1eabn ho\u1eb7c h\u1ea5p d\u1eabn, ch\u1ec9 40% cho bi\u1ebft c\u00f4ng ty c\u1ee7a h\u1ecd c\u00f3 chuy\u00ean m\u00f4n n\u1ed9i b\u1ed9 \u0111\u1ec3 hi\u1ec3u, x\u00e2y d\u1ef1ng v\u00e0 \u0111\u00e1nh gi\u00e1 m\u1ed9t h\u1ec7 sinh th\u00e1i b\u1ea3o hi\u1ec3m th\u00e0nh c\u00f4ng.\nV\u00e0 ch\u1ec9 c\u00f3 31% s\u1eb5n s\u00e0ng chia s\u1ebb d\u1eef li\u1ec7u b\u00ecnh \u0111\u1eb3ng v\u1edbi c\u00e1c \u0111\u1ed1i t\u00e1c h\u1ec7 sinh th\u00e1i kh\u00e1c. <\/p>\n\n

M\u1ed9t c\u00e1ch \u0111\u1ec3 qu\u1ea3n l\u00fd r\u1ee7i ro \u0111\u1ed3ng th\u1eddi x\u00e2y d\u1ef1ng quan h\u1ec7 \u0111\u1ed1i t\u00e1c h\u1ec7 sinh th\u00e1i m\u1ea1nh m\u1ebd l\u00e0 tinh ch\u1ec9nh chi\u1ebfn l\u01b0\u1ee3c h\u1ec7 sinh th\u00e1i.\nC\u00e1c nh\u00e0 nghi\u00ean c\u1ee9u t\u1ea1i Vi\u1ec7n Re Th\u1ee5y S\u0129, bao g\u1ed3m Evangelos Avramakis<\/a>, t\u1ed5 ch\u1ee9c s\u1ef1 tham gia b\u1ea3o hi\u1ec3m hi\u1ec7n t\u1ea1i trong c\u00e1c h\u1ec7 sinh th\u00e1i th\u00e0nh ba lo\u1ea1i: nh\u00e0 s\u1ea3n xu\u1ea5t m\u00f4-\u0111un, ng\u01b0\u1eddi \u0111\u00f3ng g\u00f3i h\u1ec7 sinh th\u00e1i v\u00e0 ch\u1ee7 s\u1edf h\u1eefu h\u1ec7 sinh th\u00e1i. <\/p>\n\n

C\u00e1c nh\u00e0 s\u1ea3n xu\u1ea5t m\u00f4-\u0111un s\u1eed d\u1ee5ng n\u1ec1n t\u1ea3ng c\u1ee7a \u0111\u1ed1i t\u00e1c \u0111\u1ec3 t\u1ea1o v\u00e0 cung c\u1ea5p c\u00e1c s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m t\u00f9y ch\u1ec9nh.\nC\u00e1c g\u00f3i h\u1ec7 sinh th\u00e1i t\u1ed5ng h\u1ee3p c\u00e1c s\u1ea3n ph\u1ea9m v\u00e0 d\u1ecbch v\u1ee5 kh\u00e1c nhau, th\u01b0\u1eddng v\u1edbi m\u1ee5c \u0111\u00edch t\u1ea1o ra m\u1ed9t g\u00f3i b\u1ea3o hi\u1ec3m t\u1ed5ng th\u1ec3 cho ng\u01b0\u1eddi ti\u00eau d\u00f9ng.\nCh\u1ee7 s\u1edf h\u1eefu h\u1ec7 sinh th\u00e1i b\u1eaft \u0111\u1ea7u l\u1ea1i t\u1eeb \u0111\u1ea7u, x\u00e2y d\u1ef1ng c\u00e1c n\u1ec1n t\u1ea3ng c\u00f3 th\u01b0\u01a1ng hi\u1ec7u v\u00e0 l\u1ef1a ch\u1ecdn \u0111\u1ed1i t\u00e1c \u0111\u1ec3 tham gia tr\u00ean c\u00f9ng m\u1ed9t n\u1ec1n t\u1ea3ng. <\/p>\n\n

B\u1eb1ng c\u00e1ch ch\u1ecdn chi\u1ebfn l\u01b0\u1ee3c tham gia, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 c\u00e2n b\u1eb1ng gi\u1eefa r\u1ee7i ro v\u00e0 c\u01a1 h\u1ed9i \u0111\u01b0\u1ee3c t\u1ed5 ch\u1ee9c ch\u1ea5p nh\u1eadn trong khi v\u1eabn cung c\u1ea5p gi\u00e1 tr\u1ecb cho kh\u00e1ch h\u00e0ng.<\/p>\n\n

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

Ch\u1ecdn c\u00f4ng c\u1ee5 c\u00f4ng ngh\u1ec7 \u0111\u1ec3 x\u00e2y d\u1ef1ng gi\u00e1 tr\u1ecb<\/h2>\n\n

Ngay c\u1ea3 \u0111\u1ed1i v\u1edbi c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m ch\u1ecdn tr\u1edf th\u00e0nh ch\u1ee7 s\u1edf h\u1eefu h\u1ec7 sinh th\u00e1i, b\u1eaft \u0111\u1ea7u l\u1ea1i v\u1edbi m\u1ed9t n\u1ec1n t\u1ea3ng ph\u1ea7n m\u1ec1m ho\u00e0n to\u00e0n m\u1edbi c\u00f3 th\u1ec3 l\u00e0 m\u1ed9t l\u1ef1a ch\u1ecdn kh\u00f4ng th\u1ec3 ch\u1ea5p nh\u1eadn \u0111\u01b0\u1ee3c.\nTrong khi c\u00e1c cu\u1ed9c th\u1ea3o lu\u1eadn v\u1ec1 c\u00e1c h\u1ec7 th\u1ed1ng k\u1ebf th\u1eeba c\u00f3 xu h\u01b0\u1edbng t\u1eadp trung v\u00e0o s\u1ef1 v\u1ee5ng v\u1ec1 c\u1ee7a ch\u00fang khi \u0111\u1ed1i m\u1eb7t v\u1edbi c\u00e1c c\u00f4ng ngh\u1ec7 m\u1edbi, th\u1ef1c t\u1ebf v\u1eabn l\u00e0 c\u00e1c h\u1ec7 th\u1ed1ng n\u00e0y v\u00e0 d\u1eef li\u1ec7u m\u00e0 ch\u00fang ch\u1ee9a \u0111\u00f3ng m\u1ed9t vai tr\u00f2 quan tr\u1ecdng trong ho\u1ea1t \u0111\u1ed9ng h\u00e0ng ng\u00e0y c\u1ee7a h\u1ea7u h\u1ebft c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m. <\/p>\n\n

Thay v\u00e0o \u0111\u00f3, nh\u1eefng \u0111\u1ed5i m\u1edbi h\u01a1n n\u1eefa trong b\u1ea3o hi\u1ec3m “ph\u1ea3i bao g\u1ed3m m\u1ed9t c\u00e1ch \u0111\u1ec3 [insurers] \u0111\u01b0a c\u00e1c c\u00f4ng ngh\u1ec7 m\u1edbi v\u00e0o m\u1ed9t h\u1ec7 sinh th\u00e1i c\u00f4ng ngh\u1ec7 to\u00e0n di\u1ec7n – bao g\u1ed3m c\u00e1c h\u1ec7 th\u1ed1ng v\u00e0 c\u01a1 s\u1edf d\u1eef li\u1ec7u hi\u1ec7n c\u00f3 c\u1ee7a h\u1ecd”, Gijsbert Cox<\/a> t\u1ea1i Appian n\u00f3i.\nB\u1eb1ng c\u00e1ch \u0111\u00f3, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 t\u00ecm ra nh\u1eefng c\u00e1ch m\u1edbi \u0111\u1ec3 \u0111\u00e1p \u1ee9ng nhu c\u1ea7u c\u1ee7a kh\u00e1ch h\u00e0ng m\u00e0 kh\u00f4ng l\u00e0m gi\u00e1n \u0111o\u1ea1n ho\u1ea1t \u0111\u1ed9ng kinh doanh h\u00e0ng ng\u00e0y. <\/p>\n\n

C\u00e1c c\u00f4ng c\u1ee5 c\u00f4ng ngh\u1ec7 ph\u00f9 h\u1ee3p c\u0169ng gi\u00fap c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m l\u00e0m ch\u1ee7 h\u1eadu c\u1ea7n c\u1ee7a quan h\u1ec7 \u0111\u1ed1i t\u00e1c h\u1ec7 sinh th\u00e1i.\nV\u00ed d\u1ee5, khi m\u1ed9t c\u00f4ng ty b\u1ea3o hi\u1ec3m mu\u1ed1n chia s\u1ebb d\u1eef li\u1ec7u v\u1edbi m\u1ed9t \u0111\u1ed1i t\u00e1c h\u1ec7 sinh th\u00e1i, hai c\u00f4ng ty c\u00f3 th\u1ec3 d\u1ef1a v\u00e0o API \u0111\u1ec3 gi\u00fap c\u00e1c h\u1ec7 th\u1ed1ng m\u00e1y t\u00ednh kh\u00f4ng t\u01b0\u01a1ng th\u00edch c\u1ee7a h\u1ecd giao ti\u1ebfp, Alan Glickenhouse<\/a> t\u1ea1i IBM n\u00f3i. <\/p>\n\n

Th\u1ea3o lu\u1eadn v\u1ec1 k\u1ebf ho\u1ea1ch h\u1ec7 sinh th\u00e1i c\u1ee7a b\u1ea1n v\u1edbi b\u1ed9 ph\u1eadn CNTT v\u00e0 c\u00e1c nh\u00e0 cung c\u1ea5p ph\u1ea7n m\u1ec1m c\u00f3 th\u1ec3 gi\u00fap ti\u1ebft l\u1ed9 c\u01a1 h\u1ed9i h\u1ee3p t\u00e1c v\u1edbi c\u00e1c \u0111\u1ed1i t\u00e1c h\u1ec7 sinh th\u00e1i th\u00f4ng qua c\u00e1c c\u00f4ng ngh\u1ec7 hi\u1ec7n c\u00f3.<\/p>\n\n

Khi c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m l\u1ea5y kh\u00e1ch h\u00e0ng l\u00e0m trung t\u00e2m, x\u00e2y d\u1ef1ng m\u1ed1i quan h\u1ec7 \u0111\u1ed1i t\u00e1c m\u1ea1nh m\u1ebd v\u00e0 l\u1ef1a ch\u1ecdn c\u00e1c c\u00f4ng c\u1ee5 c\u00f4ng ngh\u1ec7 m\u1ed9t c\u00e1ch kh\u00f4n ngoan, h\u1ecd c\u00f3 th\u1ec3 n\u1eafm l\u1ea5y cu\u1ed9c c\u00e1ch m\u1ea1ng h\u1ec7 sinh th\u00e1i v\u1edbi t\u01b0 c\u00e1ch l\u00e0 ng\u01b0\u1eddi tham gia.\nH\u1ecd c\u00f3 th\u1ec3 ph\u00e1t tri\u1ec3n v\u1edbi h\u1ec7 sinh th\u00e1i b\u1ea3o hi\u1ec3m c\u1ee7a m\u00ecnh, thay v\u00ec nh\u00ecn ng\u00e0nh c\u00f4ng nghi\u1ec7p b\u1ecf h\u1ecd l\u1ea1i ph\u00eda sau. <\/p>\n\n

\u1ea2nh: Artem Oleshko\/\u00a9123RF.com, Sergey Nivens\/\u00a9123RF.com, KONSTANTIN CHAGIN\/\u00a9123RF.com<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

C\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m P&C mu\u1ed1n \u0111i tr\u01b0\u1edbc kh\u00f4ng th\u1ec3 \u0111i theo b\u01b0\u1edbc ch\u00e2n c\u1ee7a c\u00e1c c\u00f4ng ty kh\u00e1c. Thay v\u00e0o \u0111\u00f3, h\u1ecd ph\u1ea3i t\u1eadp trung v\u00e0o vi\u1ec7c t\u00edch h\u1ee3p t\u1ed5 ch\u1ee9c c\u1ee7a h\u1ecd v\u00e0o m\u1ed9t h\u1ec7 sinh th\u00e1i b\u1ea3o hi\u1ec3m. Nghi\u00ean c\u1ee9u c\u1ee7a Accenture ch\u1ee9ng minh r\u1eb1ng ph\u00e1t tri\u1ec3n h\u1ec7 sinh th\u00e1i l\u00e0 […]<\/p>\n","protected":false},"featured_media":6608,"template":"","insight-category":[],"class_list":["post-21079","insight","type-insight","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight\/21079","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\/6608"}],"wp:attachment":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/media?parent=21079"}],"wp:term":[{"taxonomy":"insight-category","embeddable":true,"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight-category?post=21079"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}