{"id":21088,"date":"2024-09-30T14:17:42","date_gmt":"2024-09-30T19:17:42","guid":{"rendered":"https:\/\/bolttech.io\/insights\/hieu-he-sinh-thai-bao-hiem-vai-tro-cua-nguoi-tham-gia-va-dieu-phoi-vien\/"},"modified":"2024-09-30T14:17:43","modified_gmt":"2024-09-30T19:17:43","slug":"hieu-he-sinh-thai-bao-hiem-vai-tro-cua-nguoi-tham-gia-va-dieu-phoi-vien","status":"publish","type":"insight","link":"https:\/\/bolttech.io\/vi\/insights\/hieu-he-sinh-thai-bao-hiem-vai-tro-cua-nguoi-tham-gia-va-dieu-phoi-vien\/","title":{"rendered":"Hi\u1ec3u h\u1ec7 sinh th\u00e1i b\u1ea3o hi\u1ec3m: Vai tr\u00f2 c\u1ee7a ng\u01b0\u1eddi tham gia v\u00e0 \u0111i\u1ec1u ph\u1ed1i vi\u00ean"},"content":{"rendered":"\n

H\u1ec7 sinh th\u00e1i \u0111ang c\u00e1ch m\u1ea1ng h\u00f3a c\u00e1ch ch\u00fang ta kinh doanh.\nNgo\u00e0i vi\u1ec7c l\u00e0m cho ho\u1ea1t \u0111\u1ed9ng l\u1ea5y kh\u00e1ch h\u00e0ng l\u00e0m trung t\u00e2m h\u01a1n, c\u00e1c m\u00f4 h\u00ecnh nh\u01b0 v\u1eady cung c\u1ea5p cho c\u00e1c c\u00f4ng ty quy\u1ec1n truy c\u1eadp v\u00e0o s\u1ed1 l\u01b0\u1ee3ng l\u1edbn d\u1eef li\u1ec7u v\u00e0 th\u00f4ng tin chi ti\u1ebft m\u1edbi. <\/p>\n\n

H\u1ec7 sinh th\u00e1i t\u1eadn d\u1ee5ng c\u00f4ng ngh\u1ec7 k\u1ef9 thu\u1eadt s\u1ed1 \u0111\u1ec3 c\u1ea3i thi\u1ec7n to\u00e0n b\u1ed9 qu\u00e1 tr\u00ecnh giao d\u1ecbch cho c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m.\nD\u01b0\u1edbi \u0111\u00e2y l\u00e0 c\u00e1ch tham gia h\u1ec7 sinh th\u00e1i c\u00f3 th\u1ec3 gi\u00fap c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u1ee7ng c\u1ed1 m\u1ed1i quan h\u1ec7 kh\u00e1ch h\u00e0ng th\u00f4ng qua c\u00e1 nh\u00e2n h\u00f3a v\u00e0 t\u1ef1 \u0111\u1ed9ng h\u00f3a. <\/p>\n\n

G\u1eb7p g\u1ee1 h\u1ec7 sinh th\u00e1i b\u1ea3o hi\u1ec3m<\/h2>\n\n

H\u1ec7 sinh th\u00e1i k\u1ef9 thu\u1eadt s\u1ed1 \u0111\u1ea1i di\u1ec7n cho m\u1ed9t c\u00e1ch suy ngh\u0129 m\u1edbi v\u1ec1 c\u00e1ch ch\u00fang ta ti\u1ebfn h\u00e0nh kinh doanh.\nThay v\u00ec t\u1eadp trung v\u00e0o l\u0129nh v\u1ef1c chuy\u00ean m\u00f4n c\u1ee7a t\u1eebng doanh nghi\u1ec7p, m\u00f4 h\u00ecnh h\u1ec7 sinh th\u00e1i nh\u00f3m c\u00e1c s\u1ea3n ph\u1ea9m v\u00e0 d\u1ecbch v\u1ee5 li\u00ean quan l\u1ea1i v\u1edbi nhau, cho ph\u00e9p kh\u00e1ch h\u00e0ng x\u1eed l\u00fd m\u1ecdi th\u1ee9 h\u1ecd c\u1ea7n trong c\u00f9ng m\u1ed9t giao d\u1ecbch ho\u1eb7c trong c\u00e1c giao d\u1ecbch li\u00ean quan ch\u1eb7t ch\u1ebd tr\u00ean c\u00f9ng m\u1ed9t n\u1ec1n t\u1ea3ng. <\/p>\n\n

M\u1ed9t v\u00ed d\u1ee5 t\u1eeb th\u1ebf gi\u1edbi ch\u0103m s\u00f3c s\u1ee9c kh\u1ecfe c\u00f3 th\u1ec3 gi\u00fap l\u00e0m r\u00f5 c\u00e1ch th\u1ee9c ho\u1ea1t \u0111\u1ed9ng c\u1ee7a m\u1ed9t h\u1ec7 sinh th\u00e1i.\nTheo truy\u1ec1n th\u1ed1ng, b\u1ea3o hi\u1ec3m y t\u1ebf ho\u1ea1t \u0111\u1ed9ng t\u00e1ch bi\u1ec7t v\u1edbi v\u0103n ph\u00f2ng b\u00e1c s\u0129, b\u1ec7nh vi\u1ec7n, nh\u00e0 nghi\u00ean c\u1ee9u v\u00e0 nh\u00e0 thu\u1ed1c.\nTuy nhi\u00ean, s\u1ef1 t\u1eadp trung g\u1ea7n \u0111\u00e2y v\u00e0o ph\u00f2ng ch\u1ed1ng m\u1ea5t m\u00e1t \u0111\u00e3 th\u00fac \u0111\u1ea9y BNP Paribas k\u00eau g\u1ecdi c\u00e1c h\u1ec7 sinh th\u00e1i trong \u0111\u00f3 c\u00e1c th\u1ef1c th\u1ec3 n\u00e0y h\u1ee3p t\u00e1c ch\u0103m s\u00f3c b\u1ec7nh nh\u00e2n. <\/p>\n\n

“Ch\u00fang t\u00f4i ph\u1ea3i \u0111\u1ed1i m\u1eb7t v\u1edbi m\u1ed9t cu\u1ed9c c\u00e1ch m\u1ea1ng trong ng\u00e0nh b\u1ea3o hi\u1ec3m, \u0111\u00e3 chuy\u1ec3n t\u1eeb vi\u1ec7c ch\u1ec9 \u0111\u01a1n gi\u1ea3n l\u00e0 tr\u1ea3 ti\u1ec1n b\u1ed3i th\u01b0\u1eddng t\u00e0i ch\u00ednh cho b\u1ec7nh t\u1eadt, th\u01b0\u01a1ng t\u00edch ho\u1eb7c m\u1ea5t m\u00e1t sang m\u1ee5c ti\u00eau cao h\u01a1n l\u00e0 ng\u0103n ch\u1eb7n v\u00e0 gi\u1ea3m thi\u1ec3u ch\u00fang”, Isabella Fumagalli<\/a>, ng\u01b0\u1eddi \u0111\u1ee9ng \u0111\u1ea7u l\u00e3nh th\u1ed5 b\u1ea3o hi\u1ec3m \u1edf \u00dd t\u1ea1i BNP Paribas Cardif n\u00f3i.<\/p>\n\n

C\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m P&C \u0111ang n\u1eafm b\u1eaft nh\u1eefng c\u01a1 h\u1ed9i t\u01b0\u01a1ng t\u1ef1 do s\u1ef1 tham gia c\u1ee7a h\u1ec7 sinh th\u00e1i.\nV\u00ed d\u1ee5, h\u1ee3p t\u00e1c v\u1edbi c\u00e1c nh\u00e0 s\u1ea3n xu\u1ea5t \u00f4 t\u00f4 cho ph\u00e9p c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 chia s\u1ebb th\u00f4ng tin c\u00f3 th\u1ec3 c\u1ea3i thi\u1ec7n an to\u00e0n xe, c\u0169ng nh\u01b0 k\u1ebft n\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng v\u00e0o \u0111\u00fang th\u1eddi \u0111i\u1ec3m h\u1ecd c\u1ea7n b\u1ea3o hi\u1ec3m m\u1edbi. <\/p>\n\n

H\u1ec7 sinh th\u00e1i: T\u01b0\u01a1ng lai c\u1ee7a doanh nghi\u1ec7p<\/h2>\n\n

Tanguy Catlin<\/a> v\u00e0 c\u00e1c nh\u00e0 nghi\u00ean c\u1ee9u McKinsey d\u1ef1 \u0111o\u00e1n r\u1eb1ng v\u00e0o n\u0103m 2025, m\u01b0\u1eddi hai h\u1ec7 sinh th\u00e1i ri\u00eang bi\u1ec7t s\u1ebd xu\u1ea5t hi\u1ec7n t\u1eeb b\u1ee9c tranh to\u00e0n c\u1ea3nh hi\u1ec7n t\u1ea1i c\u1ee7a c\u00e1c doanh nghi\u1ec7p tham gia v\u00e0o n\u1ec1n kinh t\u1ebf to\u00e0n c\u1ea7u.\nCh\u00fang bao g\u1ed3m c\u00e1c h\u1ec7 sinh th\u00e1i t\u1eadp trung v\u00e0o du l\u1ecbch v\u00e0 kh\u00e1ch s\u1ea1n, v\u1eadn t\u1ea3i v\u00e0 d\u1ecbch v\u1ee5 B2B, trong s\u1ed1 nh\u1eefng h\u1ec7 sinh th\u00e1i kh\u00e1c. <\/p>\n\n

Nh\u00f3m n\u00e0y x\u00e1c \u0111\u1ecbnh ba l\u1ee3i \u00edch ch\u00ednh c\u1ee7a vi\u1ec7c tham gia h\u1ec7 sinh th\u00e1i cho c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m: gi\u1ea3m ma s\u00e1t cho kh\u00e1ch h\u00e0ng (\u0111\u1ed3ng th\u1eddi th\u00fac \u0111\u1ea9y doanh s\u1ed1 b\u00e1n h\u00e0ng), khai th\u00e1c c\u00e1c hi\u1ec7u \u1ee9ng m\u1ea1ng \u0111\u1ec3 gi\u1ea3m thi\u1ec3u ho\u1eb7c ng\u0103n ng\u1eeba t\u1ed5n th\u1ea5t v\u00e0 t\u00edch h\u1ee3p d\u1eef li\u1ec7u tr\u00ean c\u00e1c d\u1ecbch v\u1ee5.<\/p>\n\n

H\u1ec7 sinh th\u00e1i c\u0169ng l\u00e0m cho qu\u00e1 tr\u00ecnh chuy\u1ec3n \u0111\u1ed5i kh\u00e1ch h\u00e0ng hi\u1ec7u qu\u1ea3 h\u01a1n, gi\u00fap doanh nghi\u1ec7p l\u00e0m \u0111\u01b0\u1ee3c nhi\u1ec1u vi\u1ec7c h\u01a1n trong th\u1eddi gian ng\u1eafn h\u01a1n.\nPh\u00f3 ch\u1ee7 t\u1ecbch Baird Capital Joanna Arras<\/a> gi\u1ea3i th\u00edch r\u1eb1ng khi tr\u1ea3i nghi\u1ec7m c\u1ee7a kh\u00e1ch h\u00e0ng \u0111\u01b0\u1ee3c c\u00e1 nh\u00e2n h\u00f3a, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 chuy\u1ec3n \u0111\u1ed5i th\u00eam t\u1edbi 20% ch\u1ee7 h\u1ee3p \u0111\u1ed3ng.\nV\u00e0, khi qu\u00e1 tr\u00ecnh x\u1eed l\u00fd khi\u1ebfu n\u1ea1i \u0111\u01b0\u1ee3c t\u1ef1 \u0111\u1ed9ng h\u00f3a, chi ph\u00ed gi\u1ea3m 30 ph\u1ea7n tr\u0103m.\n\u0110\u00e2y ch\u1ec9 l\u00e0 m\u1ed9t c\u1eeda s\u1ed5 nh\u1ecf v\u00e0o nh\u1eefng t\u00e1c \u0111\u1ed9ng to l\u1edbn m\u00e0 h\u1ec7 sinh th\u00e1i c\u00f3 th\u1ec3 c\u00f3 \u0111\u1ed1i v\u1edbi th\u1ebf gi\u1edbi b\u1ea3o hi\u1ec3m. <\/p>\n\n

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L\u1ef1a ch\u1ecdn vai tr\u00f2 trong h\u1ec7 sinh th\u00e1i b\u1ea3o hi\u1ec3m<\/h2>\n\n

\u0110\u1ec3 h\u01b0\u1edfng l\u1ee3i t\u1eeb vi\u1ec7c tham gia v\u00e0o c\u00e1c h\u1ec7 sinh th\u00e1i n\u00e0y, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m s\u1ebd c\u1ea7n hi\u1ec3u c\u00e1c vai tr\u00f2 c\u00f3 s\u1eb5n – v\u00e0 c\u00e1ch ch\u00fang c\u00f3 th\u1ec3 \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn c\u00e1c ph\u01b0\u01a1ng ph\u00e1p kinh doanh \u0111\u00e3 \u0111\u01b0\u1ee3c th\u1eed nghi\u1ec7m theo th\u1eddi gian c\u1ee7a ch\u00ednh h\u1ecd.<\/p>\n\n

C\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m ho\u1ea1t \u0111\u1ed9ng trong h\u1ec7 sinh th\u00e1i ban \u0111\u1ea7u c\u00f3 th\u1ec3 ng\u1ea1c nhi\u00ean v\u00ec m\u1ea5t quy\u1ec1n ki\u1ec3m so\u00e1t v\u00e0 kh\u1ea3 n\u0103ng hi\u1ec3n th\u1ecb tr\u00ean c\u00e1c k\u00eanh b\u00e1n h\u00e0ng c\u1ee7a h\u1ecd, Evangelos Avramakis<\/a>, ng\u01b0\u1eddi \u0111\u1ee9ng \u0111\u1ea7u R&D h\u1ec7 sinh th\u00e1i k\u1ef9 thu\u1eadt s\u1ed1 t\u1ea1i Swiss Re cho bi\u1ebft. <\/p>\n\n

B\u1edfi v\u00ec c\u00e1c h\u1ec7 sinh th\u00e1i \u0111\u01b0\u1ee3c qu\u1ea3n l\u00fd b\u1edfi ch\u1ee7 s\u1edf h\u1eefu c\u1ee7a ch\u00fang ch\u1ee9 kh\u00f4ng ph\u1ea3i b\u1edfi nh\u1eefng ng\u01b0\u1eddi tham gia c\u00e1 nh\u00e2n, vi\u1ec7c ki\u1ec3m so\u00e1t c\u00e1c t\u01b0\u01a1ng t\u00e1c c\u1ee7a kh\u00e1ch h\u00e0ng l\u00e0 tr\u1ef1c ti\u1ebfp h\u01a1n.\nNg\u01b0\u1ee3c l\u1ea1i, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m tham gia v\u00e0o c\u00e1c n\u1ec1n t\u1ea3ng h\u1ec7 sinh th\u00e1i m\u00e0 h\u1ecd kh\u00f4ng s\u1edf h\u1eefu c\u00f3 th\u1ec3 c\u1ea7n ph\u1ea3i th\u1ef1c hi\u1ec7n nh\u1eefng thay \u0111\u1ed5i l\u1edbn. <\/p>\n\n

“B\u1ea1n c\u00f3 th\u1ec3 c\u1ea7n ph\u1ea3i thay \u0111\u1ed5i m\u00f4 h\u00ecnh kinh doanh c\u1ee7a m\u00ecnh, b\u1edfi v\u00ec \u0111\u1ea1i l\u00fd b\u00e1n h\u00e0ng c\u00f3 th\u1ec3 c\u00f3 li\u00ean quan, nh\u01b0ng kh\u00f4ng gi\u1ed1ng nh\u01b0 tr\u01b0\u1edbc \u0111\u00e2y”, Avramakis g\u1ee3i \u00fd. <\/p>\n\n

Avramakis, c\u00f9ng v\u1edbi c\u00e1c nh\u00e0 nghi\u00ean c\u1ee9u c\u1ee7a Vi\u1ec7n Swiss Re Jonahtan Anchen, Aakash Kiran Raverkar v\u00e0 Corrine Fitzgerald<\/a>, m\u00f4 t\u1ea3 ba c\u00e1ch m\u00e0 c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 tham gia v\u00e0o m\u1ed9t h\u1ec7 sinh th\u00e1i. <\/p>\n\n

\u0110\u1ea7u ti\u00ean, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 \u0111\u00f3ng vai tr\u00f2 l\u00e0 nh\u00e0 s\u1ea3n xu\u1ea5t m\u00f4-\u0111un, t\u1ea1o ra c\u00e1c s\u1ea3n ph\u1ea9m v\u00e0 gi\u1ea3i ph\u00e1p b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c th\u00eam v\u00e0o m\u1ed9t lo\u1ea1t c\u00e1c h\u1ec7 sinh th\u00e1i.\nV\u00ed d\u1ee5: API cung c\u1ea5p m\u1ed9t c\u00e1ch \u0111\u1ec3 l\u00e0m cho vi\u1ec7c tham gia h\u1ec7 sinh th\u00e1i b\u1ea3o hi\u1ec3m m\u00f4-\u0111un d\u1ec5 d\u00e0ng h\u01a1n, Diby Malakar v\u00e0 Sriram Kalyanaramen<\/a> t\u1ea1i SnapLogic cho bi\u1ebft. <\/p>\n\n

Th\u1ee9 hai, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 \u0111\u1ea3m nh\u1eadn vai tr\u00f2 c\u1ee7a g\u00f3i h\u1ec7 sinh th\u00e1i.\n\u1ede \u0111\u00e2y, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m b\u01b0\u1edbc v\u00e0o vai tr\u00f2 qu\u1ea3n l\u00fd nhi\u1ec1u h\u01a1n khi n\u00f3i \u0111\u1ebfn m\u1ed1i quan h\u1ec7 kh\u00e1ch h\u00e0ng v\u00e0 c\u00e1c s\u1ea3n ph\u1ea9m v\u00e0 d\u1ecbch v\u1ee5 \u0111\u01b0\u1ee3c cung c\u1ea5p cho kh\u00e1ch h\u00e0ng.\nM\u1ed9t c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 ch\u1ecbu tr\u00e1ch nhi\u1ec7m h\u1ee3p t\u00e1c v\u1edbi c\u00e1c d\u1ecbch v\u1ee5 kh\u00e1c, t\u1ed5ng h\u1ee3p ch\u00fang v\u00e0 cung c\u1ea5p ch\u00fang nh\u01b0 m\u1ed9t g\u00f3i b\u1ea3o hi\u1ec3m ho\u00e0n ch\u1ec9nh. <\/p>\n\n

Cu\u1ed1i c\u00f9ng, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u1ea7y tham v\u1ecdng c\u00f3 th\u1ec3 tham gia v\u1edbi t\u01b0 c\u00e1ch l\u00e0 ch\u1ee7 s\u1edf h\u1eefu h\u1ec7 sinh th\u00e1i.\n\u1ede \u0111\u00e2y, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m kh\u00f4ng ch\u1ec9 ch\u1ecbu tr\u00e1ch nhi\u1ec7m v\u1ec1 m\u1ed1i quan h\u1ec7 v\u00e0 d\u1ecbch v\u1ee5 c\u1ee7a kh\u00e1ch h\u00e0ng, m\u00e0 c\u00f2n ph\u1ee5 tr\u00e1ch n\u1ec1n t\u1ea3ng k\u1ef9 thu\u1eadt s\u1ed1 c\u00f3 th\u01b0\u01a1ng hi\u1ec7u m\u00e0 kh\u00e1ch h\u00e0ng truy c\u1eadp.\nC\u00e1c c\u00f4ng ty kh\u00e1c tr\u1edf th\u00e0nh ng\u01b0\u1eddi tham gia m\u00f4-\u0111un, t\u1ea1o ra c\u00e1c s\u1ea3n ph\u1ea9m v\u00e0 d\u1ecbch v\u1ee5 plug and play c\u1ee7a ri\u00eang h\u1ecd tr\u00ean h\u1ec7 sinh th\u00e1i c\u1ee7a c\u00f4ng ty b\u1ea3o hi\u1ec3m. <\/p>\n\n

Tham gia v\u1edbi t\u01b0 c\u00e1ch l\u00e0 ch\u1ee7 s\u1edf h\u1eefu h\u1ec7 sinh th\u00e1i \u0111\u1ea1i di\u1ec7n cho chi ph\u00ed cao nh\u1ea5t, c\u1ea3 v\u1ec1 t\u00e0i ch\u00ednh v\u00e0 v\u1ec1 n\u1ed7 l\u1ef1c v\u00e0 s\u1ef1 ch\u00fa \u00fd.\nTuy nhi\u00ean, ch\u1ee7 s\u1edf h\u1eefu h\u1ec7 sinh th\u00e1i c\u0169ng duy tr\u00ec m\u1ee9c \u0111\u1ed9 ki\u1ec3m so\u00e1t cao nh\u1ea5t \u0111\u1ed1i v\u1edbi m\u1ed1i quan h\u1ec7 kh\u00e1ch h\u00e0ng.\nH\u1ecd c\u0169ng c\u00f3 quy\u1ec1n truy c\u1eadp v\u00e0o d\u1eef li\u1ec7u c\u1ea7n thi\u1ebft \u0111\u1ec3 c\u00e1 nh\u00e2n h\u00f3a kh\u00e1ch h\u00e0ng v\u00e0 b\u1ea3o l\u00e3nh ph\u00e1t h\u00e0nh ch\u00ednh x\u00e1c, Srinivasan Somasundaram<\/a> v\u00e0 c\u00e1c nh\u00e0 nghi\u00ean c\u1ee9u \u0111\u1ed3ng nghi\u1ec7p t\u1ea1i Cognizant cho bi\u1ebft. <\/p>\n\n

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

X\u00e2y d\u1ef1ng quan h\u1ec7 \u0111\u1ed1i t\u00e1c h\u1ec7 sinh th\u00e1i th\u00e0nh c\u00f4ng<\/h2>\n\n

\u0110\u1ec3 ph\u00e1t tri\u1ec3n m\u1ea1nh trong m\u1ed9t th\u1ebf gi\u1edbi c\u1ee7a c\u00e1c h\u1ec7 sinh th\u00e1i, quan h\u1ec7 \u0111\u1ed1i t\u00e1c l\u00e0 \u0111i\u1ec1u b\u1eaft bu\u1ed9c.\n“Kh\u00f4ng m\u1ed9t c\u00f4ng ty n\u00e0o, b\u1ea5t k\u1ec3 quy m\u00f4 c\u1ee7a n\u00f3, c\u00f3 t\u1ea5t c\u1ea3 chuy\u00ean m\u00f4n, ngu\u1ed3n l\u1ef1c, m\u1ed1i quan h\u1ec7 v\u00e0 hi\u1ec3u bi\u1ebft c\u1ea7n thi\u1ebft c\u1ee7a m\u1ecdi ng\u00e0nh c\u00f4ng nghi\u1ec7p \u0111\u1ed3ng ph\u1ee5 thu\u1ed9c”, Stephen Applebaum<\/a>, \u0111\u1ed1i t\u00e1c qu\u1ea3n l\u00fd c\u1ee7a Insurance Solutions Group cho bi\u1ebft. <\/p>\n\n

Nhu c\u1ea7u h\u1ee3p t\u00e1c \u0111\u01b0\u1ee3c th\u00fac \u0111\u1ea9y b\u1edfi s\u1ef1 ph\u1ee9c t\u1ea1p c\u1ee7a c\u1ea3 m\u1ed1i quan h\u1ec7 kh\u00e1ch h\u00e0ng v\u00e0 c\u00f4ng ngh\u1ec7 th\u00fac \u0111\u1ea9y h\u1ec7 sinh th\u00e1i. <\/p>\n\n

“Khi Internet of Things (IoT) l\u00e0m cho ng\u00f4i nh\u00e0, \u0111i\u1ec7n tho\u1ea1i v\u00e0 xe h\u01a1i c\u1ee7a ch\u00fang ta tr\u1edf n\u00ean “th\u00f4ng minh”, c\u00e1c c\u00f4ng ty ph\u1ea3i l\u00e0m vi\u1ec7c v\u1edbi nhi\u1ec1u \u0111\u1ed1i t\u00e1c h\u01a1n \u0111\u1ec3 t\u1eadp h\u1ee3p c\u00e1c c\u00f4ng ngh\u1ec7, \u1ee9ng d\u1ee5ng, n\u1ec1n t\u1ea3ng ph\u1ea7n m\u1ec1m v\u00e0 d\u1ecbch v\u1ee5 c\u01a1 b\u1ea3n c\u1ea7n thi\u1ebft cho m\u1ed9t gi\u1ea3i ph\u00e1p t\u00edch h\u1ee3p, Nikolaus Lang, Konrad von Szczepanski v\u00e0 Charline Wurzer<\/a> t\u1ea1i Vi\u1ec7n BCG Henderson cho bi\u1ebft. <\/p>\n\n

B\u1eb1ng c\u00e1ch h\u1ee3p t\u00e1c v\u1edbi c\u00e1c chuy\u00ean gia kh\u00e1c, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 c\u1ea3i thi\u1ec7n th\u1eddi gian \u0111\u01b0a ra th\u1ecb tr\u01b0\u1eddng, m\u1edf r\u1ed9ng ph\u1ea1m vi ti\u1ebfp c\u1eadn th\u1ecb tr\u01b0\u1eddng v\u00e0 gia t\u0103ng gi\u00e1 tr\u1ecb cho c\u00e1c s\u1ea3n ph\u1ea9m v\u00e0 gi\u1ea3i ph\u00e1p m\u00e0 kh\u00e1ch h\u00e0ng y\u00eau c\u1ea7u trong k\u1ef7 nguy\u00ean k\u1ef9 thu\u1eadt s\u1ed1. <\/p>\n\n

L\u00e0 m\u1ed9t ng\u00e0nh c\u00f4ng nghi\u1ec7p, b\u1ea3o hi\u1ec3m c\u00f3 m\u1ed9t s\u1ed1 b\u1eaft k\u1ecbp \u0111\u1ec3 l\u00e0m.\n“Nghi\u00ean c\u1ee9u c\u1ee7a ch\u00fang t\u00f4i cho th\u1ea5y c\u00e1c nh\u00e0 cung c\u1ea5p b\u1ea3o hi\u1ec3m t\u1ee5t h\u1eadu so v\u1edbi c\u00e1c c\u00f4ng ty t\u1eeb c\u00e1c l\u0129nh v\u1ef1c nh\u01b0 vi\u1ec5n th\u00f4ng v\u00e0 ng\u00e2n h\u00e0ng trong vi\u1ec7c s\u1eb5n s\u00e0ng cho quan h\u1ec7 \u0111\u1ed1i t\u00e1c h\u1ec7 sinh th\u00e1i”, Michael Lyman<\/a>, gi\u00e1m \u0111\u1ed1c \u0111i\u1ec1u h\u00e0nh c\u1ea5p cao c\u1ee7a Accenture Insurance cho bi\u1ebft. <\/p>\n\n

V\u00ed d\u1ee5, trong khi m\u1ed9t c\u01a1 s\u1edf h\u1ea1 t\u1ea7ng c\u00f4ng ngh\u1ec7 m\u1ea1nh m\u1ebd l\u00e0 c\u1ea7n thi\u1ebft \u0111\u1ec3 qu\u1ea3n l\u00fd v\u00e0 tham gia h\u1ec7 sinh th\u00e1i h\u1ee3p l\u00fd, ch\u1ec9 c\u00f3 31% gi\u00e1m \u0111\u1ed1c \u0111i\u1ec1u h\u00e0nh b\u1ea3o hi\u1ec3m m\u00e0 Accenture th\u0103m d\u00f2 c\u1ea3m th\u1ea5y t\u1ef1 tin r\u1eb1ng c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u1ee7a h\u1ecd c\u00f3 c\u00f4ng ngh\u1ec7 c\u1ea7n thi\u1ebft.\nV\u00e0 ch\u1ec9 c\u00f3 27% tin r\u1eb1ng h\u1ecd c\u00f3 m\u1ed9t chi\u1ebfn l\u01b0\u1ee3c hi\u1ec7u qu\u1ea3 \u0111\u1ec3 tham gia v\u00e0o h\u1ec7 sinh th\u00e1i. <\/p>\n\n

M\u1eb7c d\u00f9 c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m kh\u00f4ng qu\u00e1 t\u1ef1 tin r\u1eb1ng h\u1ecd c\u00f3 th\u1ec3 kh\u1edfi x\u01b0\u1edbng ho\u1eb7c d\u1eabn d\u1eaft c\u00e1c n\u1ec1n t\u1ea3ng h\u1ec7 sinh th\u00e1i c\u1ee7a ri\u00eang h\u1ecd, nh\u01b0ng h\u1ecd t\u1ef1 tin h\u01a1n r\u1eb1ng h\u1ecd c\u00f3 th\u1ec3 x\u00e2y d\u1ef1ng quan h\u1ec7 \u0111\u1ed1i t\u00e1c m\u1ea1nh m\u1ebd.\nV\u00ed d\u1ee5, 52% gi\u00e1m \u0111\u1ed1c \u0111i\u1ec1u h\u00e0nh \u0111\u01b0\u1ee3c kh\u1ea3o s\u00e1t cho bi\u1ebft c\u00f4ng ngh\u1ec7 c\u1ee7a c\u00f4ng ty h\u1ecd s\u1ebd t\u01b0\u01a1ng th\u00edch v\u1edbi c\u00f4ng ngh\u1ec7 c\u1ee7a c\u00e1c \u0111\u1ed1i t\u00e1c h\u1ec7 sinh th\u00e1i ti\u1ec1m n\u0103ng, Lyman n\u00f3i.\nH\u1ecd c\u0169ng tin v\u00e0o s\u1ee9c m\u1ea1nh c\u1ee7a s\u1ef1 \u0111\u1ed5i m\u1edbi (43%), v\u0103n h\u00f3a (40%) v\u00e0 t\u00e0i n\u0103ng (33%). <\/p>\n\n

\u0110\u1ec3 x\u00e2y d\u1ef1ng v\u00e0 qu\u1ea3n l\u00fd m\u1ed9t h\u1ec7 sinh th\u00e1i th\u00e0nh c\u00f4ng, Lyman khuy\u00ean b\u1ea1n n\u00ean x\u00e1c \u0111\u1ecbnh chi\u1ebfn l\u01b0\u1ee3c v\u00e0 vai tr\u00f2 c\u1ee7a m\u00ecnh tr\u01b0\u1edbc, sau \u0111\u00f3 m\u1edbi t\u00ecm ki\u1ebfm \u0111\u1ed1i t\u00e1c.\nL\u00e0m nh\u01b0 v\u1eady s\u1ebd cung c\u1ea5p s\u1ef1 r\u00f5 r\u00e0ng c\u1ea7n thi\u1ebft, cho ph\u00e9p b\u1ea1n v\u00e0 \u0111\u1ed1i t\u00e1c c\u1ee7a b\u1ea1n theo \u0111u\u1ed5i m\u1ee5c ti\u00eau hi\u1ec7u qu\u1ea3 h\u01a1n. <\/p>\n\n

C\u00e2u h\u1ecfi \u0111\u1ea7u ti\u00ean c\u1ea7n \u0111\u1eb7t ra khi x\u00e2y d\u1ef1ng chi\u1ebfn l\u01b0\u1ee3c h\u1ee3p t\u00e1c h\u1ec7 sinh th\u00e1i l\u00e0 h\u1ecfi l\u00e0m th\u1ebf n\u00e0o c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u1ee7a b\u1ea1n c\u00f3 th\u1ec3 gi\u00fap c\u00e1c c\u00f4ng ty kh\u00e1c t\u1ea1o ra gi\u00e1 tr\u1ecb, Michael G. Jacobides<\/a>, gi\u00e1o s\u01b0 chi\u1ebfn l\u01b0\u1ee3c t\u1ea1i Tr\u01b0\u1eddng Kinh doanh London cho bi\u1ebft.\nSau \u0111\u00f3, x\u00e1c \u0111\u1ecbnh vai tr\u00f2 c\u1ee7a c\u00f4ng ty b\u1ea1n n\u00ean ch\u01a1i, c\u00e1c \u0111i\u1ec1u kho\u1ea3n tham gia s\u1ebd l\u00e0 g\u00ec v\u00e0 nh\u00f3m c\u1ee7a b\u1ea1n s\u1ebd c\u1ea7n ph\u1ea3i th\u00edch \u1ee9ng v\u1edbi s\u1ef1 thay \u0111\u1ed5i \u1edf \u0111\u00e2u. <\/p>\n\n

Cu\u1ed1i c\u00f9ng, Jacobides n\u00f3i, h\u00e3y h\u1ecfi li\u1ec7u t\u1ed5 ch\u1ee9c c\u1ee7a b\u1ea1n c\u00f3 n\u00ean l\u00e0 ch\u1ee7 s\u1edf h\u1eefu h\u1ec7 sinh th\u00e1i hay kh\u00f4ng.\nV\u00ed d\u1ee5: kh\u1ed1i l\u01b0\u1ee3ng c\u00f4ng vi\u1ec7c t\u0103ng l\u00ean trong vi\u1ec7c t\u1ea1o v\u00e0 qu\u1ea3n l\u00fd m\u1ed9t n\u1ec1n t\u1ea3ng c\u00f3 th\u01b0\u01a1ng hi\u1ec7u c\u00f3 \u0111\u00e1ng \u0111\u1ec3 ki\u1ec3m so\u00e1t ch\u1eb7t ch\u1ebd h\u01a1n d\u1eef li\u1ec7u kh\u00e1ch h\u00e0ng v\u00e0 m\u1ed1i quan h\u1ec7 \u0111\u1ed1i t\u00e1c kh\u00f4ng? <\/p>\n\n

B\u1eb1ng c\u00e1ch suy ngh\u0129 c\u1ea9n th\u1eadn th\u00f4ng qua c\u00e1c c\u00e2u h\u1ecfi nh\u01b0 th\u1ebf n\u00e0y, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 x\u00e1c \u0111\u1ecbnh c\u00e1ch t\u1ed1t nh\u1ea5t \u0111\u1ec3 tham gia v\u00e0o h\u1ec7 sinh th\u00e1i k\u1ef9 thu\u1eadt s\u1ed1 v\u00e0 h\u1ee3p t\u00e1c v\u1edbi c\u00e1c n\u1ec1n t\u1ea3ng kh\u00e1c<\/a>. <\/p>\n\n

\u1ea2nh: Cathy Yeulet\/\u00a9123RF.com, Aleksandr Davydov\/\u00a9123RF.com, Sergey Nivens\/\u00a9123RF.com<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

H\u1ec7 sinh th\u00e1i \u0111ang c\u00e1ch m\u1ea1ng h\u00f3a c\u00e1ch ch\u00fang ta kinh doanh. Ngo\u00e0i vi\u1ec7c l\u00e0m cho ho\u1ea1t \u0111\u1ed9ng l\u1ea5y kh\u00e1ch h\u00e0ng l\u00e0m trung t\u00e2m h\u01a1n, c\u00e1c m\u00f4 h\u00ecnh nh\u01b0 v\u1eady cung c\u1ea5p cho c\u00e1c c\u00f4ng ty quy\u1ec1n truy c\u1eadp v\u00e0o s\u1ed1 l\u01b0\u1ee3ng l\u1edbn d\u1eef li\u1ec7u v\u00e0 th\u00f4ng tin chi ti\u1ebft m\u1edbi. H\u1ec7 sinh th\u00e1i t\u1eadn […]<\/p>\n","protected":false},"featured_media":6659,"template":"","insight-category":[],"class_list":["post-21088","insight","type-insight","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight\/21088","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\/6659"}],"wp:attachment":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/media?parent=21088"}],"wp:term":[{"taxonomy":"insight-category","embeddable":true,"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight-category?post=21088"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}