{"id":21090,"date":"2024-09-30T14:21:21","date_gmt":"2024-09-30T19:21:21","guid":{"rendered":"https:\/\/bolttech.io\/insights\/dien-toan-dam-may-trong-bao-hiem-danh-gia-co-hoi\/"},"modified":"2024-10-29T09:12:52","modified_gmt":"2024-10-29T14:12:52","slug":"dien-toan-dam-may-trong-bao-hiem-danh-gia-co-hoi","status":"publish","type":"insight","link":"https:\/\/bolttech.io\/vi\/insights\/dien-toan-dam-may-trong-bao-hiem-danh-gia-co-hoi\/","title":{"rendered":"\u0110i\u1ec7n to\u00e1n \u0111\u00e1m m\u00e2y trong b\u1ea3o hi\u1ec3m: \u0110\u00e1nh gi\u00e1 c\u01a1 h\u1ed9i"},"content":{"rendered":"\n

Khi truy c\u1eadp internet tr\u1edf th\u00e0nh m\u1ed9t \u0111i\u1ec1u c\u1ea7n thi\u1ebft, nhu c\u1ea7u v\u1ec1 th\u00f4ng tin c\u00f3 s\u1eb5n tr\u00ean to\u00e0n c\u1ea7u c\u0169ng v\u1eady.\n\u0110i\u1ec7n to\u00e1n \u0111\u00e1m m\u00e2y \u0111\u00e1p \u1ee9ng nhu c\u1ea7u n\u00e0y, l\u01b0u tr\u1eef th\u00f4ng tin t\u1eadp trung \u0111\u1ec3 b\u1ea5t k\u1ef3 ai c\u00f3 thi\u1ebft b\u1ecb v\u00e0 th\u00f4ng tin \u0111\u0103ng nh\u1eadp ch\u00ednh x\u00e1c \u0111\u1ec1u c\u00f3 th\u1ec3 truy c\u1eadp. <\/p>\n\n

T\u1eebng \u0111\u01b0\u1ee3c coi l\u00e0 m\u1ed9t c\u00e1ch d\u1ec5 d\u00e0ng \u0111\u1ec3 gi\u1ea3m chi ph\u00ed m\u00e1y ch\u1ee7 v\u00e0 l\u01b0u tr\u1eef, \u0111\u00e1m m\u00e2y \u0111\u00e3 tr\u1edf th\u00e0nh c\u1ee7a ri\u00eang m\u00ecnh trong nh\u1eefng n\u0103m g\u1ea7n \u0111\u00e2y.\n“\u0110i\u1ec7n to\u00e1n \u0111\u00e1m m\u00e2y hi\u1ec7n l\u00e0 vi\u1ebft t\u1eaft c\u1ee7a c\u00e1ch c\u00e1c c\u00f4ng ty bi\u1ebfn nh\u1eefng \u00fd t\u01b0\u1edfng tuy\u1ec7t v\u1eddi th\u00e0nh ph\u1ea7n m\u1ec1m chi\u1ebfn th\u1eafng – nhanh h\u01a1n”, Dave Bartoletti<\/a>, ph\u00f3 ch\u1ee7 t\u1ecbch v\u00e0 nh\u00e0 ph\u00e2n t\u00edch ch\u00ednh t\u1ea1i Forrester n\u00f3i. <\/p>\n\n

G\u1ea7n 60% doanh nghi\u1ec7p M\u1ef9 hi\u1ec7n d\u1ef1a v\u00e0o n\u1ec1n t\u1ea3ng \u0111\u00e1m m\u00e2y v\u00e0 con s\u1ed1 \u0111\u00f3 d\u1ef1 ki\u1ebfn s\u1ebd t\u0103ng l\u00ean trong nh\u1eefng n\u0103m t\u1edbi.\nD\u01b0\u1edbi \u0111\u00e2y l\u00e0 c\u00e1ch c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 suy ngh\u0129 d\u00e0i h\u1ea1n v\u1ec1 vi\u1ec7c s\u1eed d\u1ee5ng \u0111i\u1ec7n to\u00e1n \u0111\u00e1m m\u00e2y. <\/p>\n\n

S\u1ef1 tr\u1ed7i d\u1eady c\u1ee7a \u0111\u00e1m m\u00e2y<\/h2>\n\n

H\u01a1n 70% c\u00e1c t\u1ed5 ch\u1ee9c b\u1ea3o hi\u1ec3m s\u1eed d\u1ee5ng \u0111i\u1ec7n to\u00e1n \u0111\u00e1m m\u00e2y nh\u01b0 m\u1ed9t ph\u1ea7n c\u1ee7a ki\u1ebfn tr\u00fac c\u00f4ng ngh\u1ec7 c\u1ee7a h\u1ecd, b\u00e1o c\u00e1o Chris Piwinski<\/a>, gi\u00e1m \u0111\u1ed1c ti\u1ebfp th\u1ecb s\u1ea3n ph\u1ea9m t\u1ea1i One Inc.<\/p>\n\n

Theo truy\u1ec1n th\u1ed1ng, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c cho l\u00e0 t\u1ee5t h\u1eadu so v\u1edbi c\u00e1c ng\u00e0nh kh\u00e1c trong vi\u1ec7c \u00e1p d\u1ee5ng c\u00f4ng ngh\u1ec7.\nTuy nhi\u00ean, khi n\u00f3i \u0111\u1ebfn \u0111i\u1ec7n to\u00e1n \u0111\u00e1m m\u00e2y, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111i tr\u01b0\u1edbc m\u1ed9t ch\u00fat. <\/p>\n\n

S\u1ef1 s\u1eb5n s\u00e0ng n\u1eafm b\u1eaft c\u00e1c c\u00f4ng c\u1ee5 d\u1ef1a tr\u00ean \u0111\u00e1m m\u00e2y n\u00e0y gi\u00fap c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m b\u00f9 \u0111\u1eafp cho t\u1ed1c \u0111\u1ed9 ch\u1eadm h\u01a1n c\u1ee7a h\u1ecd trong c\u00e1c l\u0129nh v\u1ef1c thay \u0111\u1ed5i c\u00f4ng ngh\u1ec7 kh\u00e1c, Chris Preimesberger<\/a>, t\u1ed5ng bi\u00ean t\u1eadp c\u1ee7a eWEEK cho bi\u1ebft. \u0110i\u1ec7n to\u00e1n \u0111\u00e1m m\u00e2y gi\u00fap c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u1ea3i thi\u1ec7n vi\u1ec7c tri\u1ec3n khai c\u00e1c s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m m\u1edbi, \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh b\u1ea3o l\u00e3nh ph\u00e1t h\u00e0nh t\u1ed1t h\u01a1n v\u00e0 n\u00e2ng cao tr\u1ea3i nghi\u1ec7m c\u1ee7a kh\u00e1ch h\u00e0ng.<\/p>\n\n

Tuy nhi\u00ean, khi c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m n\u1eafm l\u1ea5y \u0111\u00e1m m\u00e2y, h\u1ecd c\u0169ng g\u1eb7p ph\u1ea3i nh\u1eefng th\u00e1ch th\u1ee9c m\u1edbi.\n“S\u1ef1 c\u1ea7n thi\u1ebft ph\u1ea3i \u0111\u00e1nh gi\u00e1 l\u1ea1i s\u1ef1 \u0111\u00e1nh \u0111\u1ed5i gi\u1eefa l\u1ee3i \u00edch v\u00e0 r\u1ee7i ro \u0111\u1eb7t ra nh\u1eefng c\u00e2u h\u1ecfi ch\u00ednh s\u00e1ch quan tr\u1ecdng”, Anna Maria D’Hulster<\/a>, t\u1ed5ng th\u01b0 k\u00fd Hi\u1ec7p h\u1ed9i Geneva n\u00f3i. <\/p>\n\n

V\u00ed d\u1ee5, tr\u00e1ch nhi\u1ec7m v\u00e0 quy\u1ec1n c\u1ee7a kh\u00e1ch h\u00e0ng trong m\u1ed9t giao d\u1ecbch c\u00f3 th\u1ec3 c\u1ea7n ph\u1ea3i \u0111\u01b0\u1ee3c c\u00e2n b\u1eb1ng l\u1ea1i v\u1edbi tr\u00e1ch nhi\u1ec7m v\u00e0 quy\u1ec1n c\u1ee7a c\u00f4ng ty b\u1ea3o hi\u1ec3m, \u0111\u1eb7c bi\u1ec7t l\u00e0 theo c\u00e1c quy t\u1eafc minh b\u1ea1ch m\u1edbi n\u1ed5i.<\/p>\n\n

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

Xu h\u01b0\u1edbng hi\u1ec7n t\u1ea1i cho \u0111i\u1ec7n to\u00e1n \u0111\u00e1m m\u00e2y trong b\u1ea3o hi\u1ec3m:<\/h2>\n\n

\u0110i\u1ec7n to\u00e1n \u0111\u00e1m m\u00e2y l\u00e0 ng\u00e0nh kinh doanh l\u1edbn \u0111\u1ed1i v\u1edbi nhi\u1ec1u c\u00f4ng ty b\u1ea3o hi\u1ec3m, \u0111\u1ed3ng th\u1eddi l\u00e0 c\u00f4ng c\u1ee5 c\u1ea7n thi\u1ebft c\u1ee7a ho\u1ea1t \u0111\u1ed9ng kinh doanh h\u00e0ng ng\u00e0y \u0111\u1ed1i v\u1edbi nhi\u1ec1u nh\u00e2n vi\u00ean v\u00e0 \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m.\n\u0110\u1ed1i v\u1edbi ng\u00e0nh b\u1ea3o hi\u1ec3m n\u00f3i chung, c\u00e1c xu h\u01b0\u1edbng h\u00e0ng \u0111\u1ea7u bao g\u1ed3m t\u1eadp trung v\u00e0o kh\u1ea3 n\u0103ng m\u1edf r\u1ed9ng v\u00e0 s\u1ef1 hi\u1ec7n di\u1ec7n c\u1ee7a c\u00e1c t\u00ean tu\u1ed5i c\u00f4ng ngh\u1ec7 l\u1edbn nh\u01b0 Google, Amazon v\u00e0 Microsoft trong kh\u00f4ng gian \u0111i\u1ec7n to\u00e1n \u0111\u00e1m m\u00e2y. <\/p>\n\n

Google Cloud cung c\u1ea5p m\u1ed9t s\u1ed1 tr\u01b0\u1eddng h\u1ee3p s\u1eed d\u1ee5ng cho ng\u00e0nh b\u1ea3o hi\u1ec3m, Dan Speck<\/a> t\u1ea1i Burwood Group cho bi\u1ebft. C\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 s\u1eed d\u1ee5ng ph\u1ea7n m\u1ec1m \u0111\u00e1m m\u00e2y c\u1ee7a Google \u0111\u1ec3 hi\u1ec7n \u0111\u1ea1i h\u00f3a c\u00e1c \u1ee9ng d\u1ee5ng web v\u00e0 di \u0111\u1ed9ng, ph\u00e2n t\u00edch d\u1eef li\u1ec7u b\u1eb1ng tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o v\u00e0 k\u1ebft h\u1ee3p h\u1ecdc m\u00e1y v\u00e0o khoa h\u1ecdc t\u00ednh to\u00e1n b\u1ea3o hi\u1ec3m.<\/p>\n\n

“C\u00e1c m\u00f4 h\u00ecnh b\u1ea3o hi\u1ec3m h\u1ecdc m\u00e1y \u0111ang gi\u00fap c\u00e1c chuy\u00ean gia t\u00ednh to\u00e1n t\u1ef1 \u0111\u1ed9ng ph\u00e1t hi\u1ec7n c\u00e1c gi\u00e1 tr\u1ecb c\u00f2n thi\u1ebfu v\u00e0 s\u1eed d\u1ee5ng c\u00e1c gi\u00e1 tr\u1ecb c\u00f2n thi\u1ebfu \u0111\u00f3 \u0111\u1ec3 d\u1ef1 \u0111o\u00e1n t\u1ed1t h\u01a1n v\u1ec1 t\u01b0\u01a1ng lai”, Speck cho bi\u1ebft th\u00eam.\nGoogle Cloud Machine Learning Engine l\u00e0 m\u1ed9t c\u00f4ng c\u1ee5 \u0111\u00e3 \u0111\u01b0\u1ee3c t\u1ea1o ra \u0111\u1ec3 c\u1ea3i thi\u1ec7n khoa h\u1ecdc t\u00ednh to\u00e1n v\u00e0 cung c\u1ea5p c\u00e1c m\u00f4 h\u00ecnh d\u1ef1 \u0111o\u00e1n t\u1ed1t h\u01a1n. <\/p>\n\n

Nh\u00e1nh \u0111i\u1ec7n to\u00e1n \u0111\u00e1m m\u00e2y c\u1ee7a Amazon, Amazon Web Services (AWS), ch\u1ec9 l\u00e0 ngu\u1ed3n cung c\u1ea5p 12% doanh thu r\u00f2ng c\u1ee7a Amazon trong qu\u00fd II n\u0103m 2018.\nTuy nhi\u00ean, AWS chi\u1ebfm 55% l\u1ee3i nhu\u1eadn ho\u1ea1t \u0111\u1ed9ng c\u1ee7a Amazon trong giai \u0111o\u1ea1n n\u00e0y, Louis Columbus<\/a>, gi\u00e1m \u0111\u1ed1c t\u1ea1i IQMS cho bi\u1ebft. <\/p>\n\n

Vi\u1ec7c s\u1eed d\u1ee5ng \u0111i\u1ec7n to\u00e1n \u0111\u00e1m m\u00e2y trong b\u1ea3o hi\u1ec3m c\u0169ng \u0111\u00e3 tr\u1edf th\u00e0nh ng\u00e0nh kinh doanh l\u1edbn \u1edf c\u00e1c qu\u1ed1c gia kh\u00e1c.\nV\u00ed d\u1ee5, c\u00f4ng ty b\u1ea3o hi\u1ec3m Trung Qu\u1ed1c Ping An g\u1ea7n \u0111\u00e2y \u0111\u00e3 m\u1edf d\u1ecbch v\u1ee5 \u0111\u00e1m m\u00e2y c\u00f4ng c\u1ed9ng cho c\u00e1c doanh nghi\u1ec7p phi b\u1ea3o hi\u1ec3m, t\u00edch h\u1ee3p h\u01a1n n\u1eefa c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u00e0o cu\u1ed9c s\u1ed1ng c\u1ee7a c\u00e1c doanh nghi\u1ec7p Trung Qu\u1ed1c \u0111ang ph\u00e1t tri\u1ec3n kh\u00e1c, Aaron Tan<\/a>, bi\u00ean t\u1eadp vi\u00ean \u0111i\u1ec1u h\u00e0nh t\u1ea1i ComputerWeekly cho bi\u1ebft. <\/p>\n\n

L\u00e0m cho c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m linh ho\u1ea1t h\u01a1n<\/h2>\n\n

S\u1eed d\u1ee5ng c\u00e1c h\u1ec7 th\u1ed1ng d\u1ef1a tr\u00ean \u0111\u00e1m m\u00e2y cho ph\u00e9p c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m t\u1eadp trung v\u00e0o vi\u1ec7c c\u1ea3i thi\u1ec7n quy tr\u00ecnh b\u1ea3o hi\u1ec3m, thay v\u00ec duy tr\u00ec c\u01a1 s\u1edf h\u1ea1 t\u1ea7ng CNTT.\nB\u1eb1ng c\u00e1ch chuy\u1ec3n tr\u00e1ch nhi\u1ec7m qu\u1ea3n l\u00fd trung t\u00e2m d\u1eef li\u1ec7u sang nh\u00e0 cung c\u1ea5p \u0111\u00e1m m\u00e2y, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 t\u1eadp trung n\u0103ng l\u01b0\u1ee3ng c\u1ee7a h\u1ecd v\u00e0o vi\u1ec7c c\u1ea3i thi\u1ec7n s\u1ea3n ph\u1ea9m v\u00e0 d\u1ecbch v\u1ee5 kh\u00e1ch h\u00e0ng, Tom Scales<\/a>, m\u1ed9t nh\u00e0 ph\u00e2n t\u00edch c\u1ee7a Celent cho bi\u1ebft. <\/p>\n\n

V\u00ec c\u00e1c d\u1ecbch v\u1ee5 \u0111\u00e1m m\u00e2y ch\u1ea1y c\u00e1c trung t\u00e2m d\u1eef li\u1ec7u \u1edf quy m\u00f4 l\u1edbn, vi\u1ec7c chuy\u1ec3n sang h\u1ec7 th\u1ed1ng d\u1ef1a tr\u00ean \u0111\u00e1m m\u00e2y c\u0169ng c\u00f3 th\u1ec3 c\u1ea3i thi\u1ec7n vi\u1ec7c qu\u1ea3n l\u00fd d\u1eef li\u1ec7u cho c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m.\n“\u0110i\u1ec7n to\u00e1n phi m\u00e1y ch\u1ee7 cho ph\u00e9p c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u1ec3 l\u1ea1i t\u1ea5t c\u1ea3 vi\u1ec7c qu\u1ea3n l\u00fd m\u00e1y ch\u1ee7 v\u00e0 cung c\u1ea5p t\u00e0i nguy\u00ean cho nh\u00e0 cung c\u1ea5p \u0111\u00e1m m\u00e2y \u0111\u1ec3 t\u0103ng s\u1ee9c m\u1ea1nh x\u1eed l\u00fd, gi\u1ea3m \u0111\u1ed9 tr\u1ec5 v\u00e0 chi ph\u00ed k\u00edch th\u01b0\u1edbc th\u1ef1c – n\u00f3 th\u1ec3 hi\u1ec7n s\u1ef1 ph\u00e1t tri\u1ec3n trong c\u00e1ch ch\u00fang ta ti\u00eau th\u1ee5 v\u00e0 s\u1eed d\u1ee5ng \u0111\u00e1m m\u00e2y”, Karen Furtado<\/a>, \u0111\u1ed1i t\u00e1c t\u1ea1i c\u00f4ng ty t\u01b0 v\u1ea5n chi\u1ebfn l\u01b0\u1ee3c b\u1ea3o hi\u1ec3m Strategy Meets Action cho bi\u1ebft. <\/p>\n\n

B\u1eb1ng c\u00e1ch d\u1ef1a v\u00e0o c\u00e1c nh\u00e0 cung c\u1ea5p \u0111\u00e1m m\u00e2y \u0111\u1ec3 x\u1eed l\u00fd v\u00e0 t\u1ed1c \u0111\u1ed9, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 s\u1eed d\u1ee5ng v\u00e0 truy c\u1eadp t\u1ed1t h\u01a1n c\u00e1c b\u1ed9 d\u1eef li\u1ec7u kh\u1ed5ng l\u1ed3, gi\u1ed1ng nh\u01b0 c\u00e1c b\u1ed9 d\u1eef li\u1ec7u \u0111\u01b0\u1ee3c t\u1ea1o ra b\u1edfi c\u00e1c thi\u1ebft b\u1ecb t\u1eeb xa v\u00e0 nh\u00e0 th\u00f4ng minh, Furtado n\u00f3i.<\/p>\n\n

M\u1ed9t c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u1ee7a B\u1ec9 \u0111\u00e3 \u00e1p d\u1ee5ng \u0111i\u1ec7n to\u00e1n \u0111\u00e1m m\u00e2y \u0111\u1ec3 c\u1ea3i thi\u1ec7n t\u1ed1c \u0111\u1ed9 x\u1eed l\u00fd.\nAG Insurance v\u00e0 c\u00f4ng ty m\u1eb9 c\u1ee7a n\u00f3, Ageas, g\u1ea7n \u0111\u00e2y \u0111\u00e3 chuy\u1ec3n sang \u0111\u00e1m m\u00e2y d\u1ef1a tr\u00ean Microsoft \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o r\u1eb1ng kh\u00e1ch h\u00e0ng b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c ph\u1ee5c v\u1ee5 hi\u1ec7u qu\u1ea3 trong m\u00f4i tr\u01b0\u1eddng ph\u00e1p l\u00fd ng\u00e0y c\u00e0ng kh\u1eafc nghi\u1ec7t c\u1ee7a EU. <\/p>\n\n

“Quy tr\u00ecnh t\u00ednh to\u00e1n cho n\u1ec1n t\u1ea3ng \u0111\u1ecbnh gi\u00e1 c\u1ee7a ch\u00fang t\u00f4i \u0111\u00f2i h\u1ecfi s\u1ef1 h\u1ed7 tr\u1ee3 t\u1eeb m\u1ed9t s\u1ed1 l\u01b0\u1ee3ng l\u1edbn c\u00e1c m\u00e1y ch\u1ee7, \u0111ang s\u1eed d\u1ee5ng trong th\u1eddi gian \u0111\u00f3ng c\u1eeda nh\u01b0ng c\u0169ng c\u00f3 c\u00e1c giai \u0111o\u1ea1n ph\u00e2n t\u00edch \u0111\u1eb7c bi\u1ec7t. C\u00f3 nhi\u1ec1u t\u1ea3i kh\u00e1c nhau ch\u1ea1y tr\u00ean c\u00e1c m\u00f4i tr\u01b0\u1eddng kh\u00e1c nhau v\u00e0 ch\u00fang t\u00f4i c\u1ea7n kh\u1ea3 n\u0103ng m\u1edf r\u1ed9ng \u1edf m\u1ecdi n\u01a1i”, Koenraad Schoeters<\/a>, gi\u00e1m \u0111\u1ed1c Nh\u00f3m tri\u1ec3n khai m\u00f4 h\u00ecnh Ageas cho bi\u1ebft.<\/p>\n\n

\u0110i\u1ec7n to\u00e1n d\u1ef1a tr\u00ean \u0111\u00e1m m\u00e2y cung c\u1ea5p kh\u1ea3 n\u0103ng m\u1edf r\u1ed9ng \u0111\u00f3, cho ph\u00e9p B\u1ea3o hi\u1ec3m AG ti\u1ebfp t\u1ee5c \u0111\u00e1p \u1ee9ng c\u00e1c y\u00eau c\u1ea7u quy \u0111\u1ecbnh trong khi c\u1ea3i thi\u1ec7n d\u1ecbch v\u1ee5 cho kh\u00e1ch h\u00e0ng.<\/p>\n\n

Ph\u00e2n c\u1ea5p d\u1eef li\u1ec7u c\u0169ng gi\u00fap vi\u1ec7c t\u00e1ch silo m\u1ed9t doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m tr\u1edf n\u00ean d\u1ec5 d\u00e0ng h\u01a1n.\nL\u01b0u tr\u1eef \u0111\u00e1m m\u00e2y gi\u00fap th\u00f4ng tin ch\u00ednh c\u00f3 th\u1ec3 truy c\u1eadp \u0111\u01b0\u1ee3c b\u1ea5t k\u1ec3 v\u1ecb tr\u00ed th\u1ef1c t\u1ebf c\u1ee7a nh\u00e2n vi\u00ean, mi\u1ec5n l\u00e0 nh\u00e2n vi\u00ean cung c\u1ea5p th\u00f4ng tin \u0111\u0103ng nh\u1eadp ch\u00ednh x\u00e1c ho\u1eb7c nh\u1eadn d\u1ea1ng kh\u00e1c. <\/p>\n\n

“S\u1eed d\u1ee5ng c\u00f4ng ngh\u1ec7 \u0111\u00e1m m\u00e2y cho ph\u00e9p c\u00e1c c\u00f4ng ty l\u01b0u tr\u1eef th\u00f4ng tin tr\u00ean \u0111\u00e1m m\u00e2y v\u00e0 cung c\u1ea5p quy\u1ec1n truy c\u1eadp cho nh\u1eefng nh\u00e2n vi\u00ean c\u1ea7n n\u00f3”, Angelique Ruzicka<\/a> t\u1ea1i Risk Head cho bi\u1ebft. Khi nh\u00e2n vi\u00ean b\u1ea3o hi\u1ec3m c\u00f3 quy\u1ec1n truy c\u1eadp v\u00e0o d\u1eef li\u1ec7u ch\u00ednh, h\u1ecd c\u00f3 th\u1ec3 cung c\u1ea5p t\u1ed1t h\u01a1n d\u1ecbch v\u1ee5 b\u1ea3o hi\u1ec3m li\u1ec1n m\u1ea1ch, \u0111\u01b0\u1ee3c c\u00e1 nh\u00e2n h\u00f3a theo y\u00eau c\u1ea7u c\u1ee7a kh\u00e1ch h\u00e0ng.<\/p>\n\n

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

\u0110i\u1ec1u ch\u1ec9nh v\u00e0 b\u1ea3o hi\u1ec3m n\u1ed9i dung \u0111\u00e1m m\u00e2y<\/h2>\n\n

C\u00e1c tr\u01b0\u1eddng h\u1ee3p s\u1eed d\u1ee5ng \u0111i\u1ec7n to\u00e1n \u0111\u00e1m m\u00e2y trong b\u1ea3o hi\u1ec3m ti\u1ebfp t\u1ee5c ph\u00e1t tri\u1ec3n, c\u0169ng nh\u01b0 c\u00e1c quy \u0111\u1ecbnh chi ph\u1ed1i n\u00f3.\nC\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111ang t\u00ecm c\u00e1ch s\u1eed d\u1ee5ng \u0111\u00e1m m\u00e2y \u0111\u1ec3 n\u00e2ng cao s\u1ee9c m\u1ea1nh hi\u1ec7n t\u1ea1i c\u1ee7a h\u1ecd c\u00f3 m\u1ed9t s\u1ed1 con \u0111\u01b0\u1eddng \u0111\u1ec3 xem x\u00e9t trong t\u01b0\u01a1ng lai. <\/p>\n\n

\u0110\u01b0\u1ee3c giao tr\u00e1ch nhi\u1ec7m qu\u1ea3n l\u00fd v\u00e0 b\u1ea3o v\u1ec7 m\u1ed9t l\u01b0\u1ee3ng l\u1edbn d\u1eef li\u1ec7u nh\u1ea1y c\u1ea3m, nhi\u1ec1u c\u00f4ng ty b\u1ea3o hi\u1ec3m ng\u1ea7n ng\u1ea1i \u0111\u1eb7t th\u00f4ng tin n\u00e0y v\u00e0o tay b\u00ean th\u1ee9 ba.<\/p>\n\n

\u0110\u1ed1i v\u1edbi c\u00e1c c\u00f4ng ty n\u00e0y, c\u00e1ch ti\u1ebfp c\u1eadn \u0111\u00e1m m\u00e2y lai c\u00f3 th\u1ec3 cung c\u1ea5p m\u1ed9t n\u1ec1n t\u1ea3ng trung gian, cho ph\u00e9p c\u00f4ng ty b\u1ea3o hi\u1ec3m t\u1eadn d\u1ee5ng l\u1ee3i \u00edch c\u1ee7a \u0111\u00e1m m\u00e2y trong khi v\u1eabn duy tr\u00ec quy\u1ec1n ki\u1ec3m so\u00e1t trong c\u00e1c l\u0129nh v\u1ef1c ch\u00ednh, Denis Kennelly<\/a>, t\u1ed5ng gi\u00e1m \u0111\u1ed1c t\u00edch h\u1ee3p \u0111\u00e1m m\u00e2y t\u1ea1i IBM cho bi\u1ebft.<\/p>\n\n

C\u00e1c m\u00f4 h\u00ecnh \u0111\u00e1m m\u00e2y lai cho ph\u00e9p c\u00e1c c\u00f4ng ty s\u1eed d\u1ee5ng m\u00e1y ch\u1ee7 c\u00f4ng c\u1ed9ng cho kh\u1ed1i l\u01b0\u1ee3ng c\u00f4ng vi\u1ec7c m\u1edbi trong khi v\u1eabn duy tr\u00ec \u0111\u00e1m m\u00e2y ri\u00eang cho th\u00f4ng tin nh\u1ea1y c\u1ea3m cao.\nDo \u0111\u00f3, h\u1ecd cung c\u1ea5p t\u00f9y ch\u1ecdn th\u1ee9 ba cho c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111ang t\u00ecm c\u00e1ch c\u00e2n b\u1eb1ng nhu c\u1ea7u b\u1ea3o m\u1eadt d\u1eef li\u1ec7u v\u1edbi t\u1ed1c \u0111\u1ed9 v\u00e0 t\u00ednh linh ho\u1ea1t m\u00e0 \u0111i\u1ec7n to\u00e1n \u0111\u00e1m m\u00e2y cung c\u1ea5p. <\/p>\n\n

Quy \u0111\u1ecbnh v\u1ec1 \u0111i\u1ec7n to\u00e1n \u0111\u00e1m m\u00e2y, bao g\u1ed3m c\u1ea3 r\u1ee7i ro b\u1ea3o m\u1eadt v\u00e0 quy\u1ec1n ri\u00eang t\u01b0, \u0111\u00e3 tr\u1edf th\u00e0nh \u01b0u ti\u00ean h\u00e0ng \u0111\u1ea7u c\u1ee7a m\u1ed9t s\u1ed1 c\u01a1 quan qu\u1ea3n l\u00fd tr\u00ean to\u00e0n th\u1ebf gi\u1edbi.\nM\u1eb7c d\u00f9 c\u00e1c nh\u00e0 qu\u1ea3n l\u00fd n\u00e0y nh\u1eadn th\u1ee9c \u0111\u01b0\u1ee3c c\u00e1c \u0111\u1eb7t ra \u0111i\u1ec7n to\u00e1n \u0111\u00e1m m\u00e2y bi\u00ean gi\u1edbi m\u1edbi, nh\u01b0ng h\u1ea7u h\u1ebft v\u1eabn ch\u01b0a cho r\u1eb1ng c\u1ea7n ph\u1ea3i ph\u00e1t minh l\u1ea1i b\u00e1nh xe khi ph\u00e1t tri\u1ec3n c\u00e1c khung \u0111i\u1ec7n to\u00e1n \u0111\u00e1m m\u00e2y cho c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m. <\/p>\n\n

M\u1ed9t b\u00e0i b\u00e1o c\u1ee7a Juan Carlos Crisanto<\/a> v\u00e0 c\u00e1c nh\u00e0 nghi\u00ean c\u1ee9u \u0111\u1ed3ng nghi\u1ec7p t\u1ea1i Vi\u1ec7n \u1ed4n \u0111\u1ecbnh T\u00e0i ch\u00ednh \u0111\u00e3 ki\u1ec3m tra c\u00e1c ph\u01b0\u01a1ng ph\u00e1p ti\u1ebfp c\u1eadn quy \u0111\u1ecbnh v\u00e0 gi\u00e1m s\u00e1t t\u1eeb 14 c\u01a1 quan kh\u00e1c nhau. B\u00e0i b\u00e1o n\u00eau r\u00f5: “H\u1ea7u h\u1ebft c\u00e1c c\u01a1 quan n\u00e0y \u00e1p d\u1ee5ng c\u00e1c khu\u00f4n kh\u1ed5 hi\u1ec7n c\u00f3 v\u1ec1 thu\u00ea ngo\u00e0i, qu\u1ea3n tr\u1ecb, qu\u1ea3n l\u00fd r\u1ee7i ro v\u00e0 b\u1ea3o m\u1eadt th\u00f4ng tin cho c\u00e1c ho\u1ea1t \u0111\u1ed9ng \u0111i\u1ec7n to\u00e1n \u0111\u00e1m m\u00e2y c\u1ee7a c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m”.<\/p>\n\n

C\u00e1c nh\u00e0 m\u1ea1ng n\u1eafm b\u1eaft \u0111i\u1ec7n to\u00e1n \u0111\u00e1m m\u00e2y trong b\u1ea3o hi\u1ec3m s\u1ebd c\u1ea7n ph\u1ea3i t\u1ef1 nh\u1eadn th\u1ee9c \u0111\u01b0\u1ee3c c\u00e1c lu\u1eadt v\u00e0 quy \u0111\u1ecbnh hi\u1ec7n h\u00e0nh.\nTuy nhi\u00ean, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 th\u1ea5y r\u1eb1ng c\u00e1c quy t\u1eafc d\u00e0nh ri\u00eang cho \u0111\u00e1m m\u00e2y tu\u00e2n theo c\u00e1c m\u00f4 h\u00ecnh quy \u0111\u1ecbnh quen thu\u1ed9c, \u0111i\u1ec1u n\u00e0y c\u00f3 th\u1ec3 gi\u00fap h\u1ecd d\u1ec5 d\u00e0ng k\u1ebft h\u1ee3p v\u00e0o h\u1ec7 sinh th\u00e1i tu\u00e2n th\u1ee7 hi\u1ec7n c\u00f3 c\u1ee7a c\u00f4ng ty b\u1ea3o hi\u1ec3m. <\/p>\n\n

L\u01b0u tr\u1eef, x\u1eed l\u00fd v\u00e0 ph\u00e2n t\u00edch d\u1eef li\u1ec7u tr\u00ean \u0111\u00e1m m\u00e2y c\u00f3 th\u1ec3 x\u1ea3y ra trong m\u00f4i tr\u01b0\u1eddng \u1ea3o, nh\u01b0ng m\u00f4i tr\u01b0\u1eddng \u1ea3o \u0111\u00f3 \u0111\u01b0\u1ee3c h\u1ed7 tr\u1ee3 b\u1edfi c\u01a1 s\u1edf h\u1ea1 t\u1ea7ng v\u1eadt l\u00fd.\nC\u01a1 s\u1edf h\u1ea1 t\u1ea7ng n\u00e0y v\u1eeba l\u00e0 th\u00e1ch th\u1ee9c v\u1eeba l\u00e0 c\u01a1 h\u1ed9i cho c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m P&C. <\/p>\n\n

Hi\u1ec7n t\u1ea1i, kho\u1ea3ng 25.000 trung t\u00e2m d\u1eef li\u1ec7u \u1edf Hoa K\u1ef3 h\u1ed7 tr\u1ee3 c\u00e1c m\u00e1y ch\u1ee7 v\u1eadt l\u00fd x\u1eed l\u00fd s\u1ed1 l\u01b0\u1ee3ng l\u1edbn d\u1eef li\u1ec7u d\u1ef1a tr\u00ean \u0111\u00e1m m\u00e2y.\nC\u00e1c c\u01a1 s\u1edf n\u00e0y c\u1ea7n b\u1ea3o hi\u1ec3m t\u00e0i s\u1ea3n: “N\u1ebfu m\u1ed9t ho\u1eb7c nhi\u1ec1u c\u01a1 s\u1edf d\u1ecbch v\u1ee5 \u0111\u00e1m m\u00e2y l\u1edbn b\u1ecb h\u01b0 h\u1ecfng, d\u1ecbch v\u1ee5 c\u00f3 th\u1ec3 b\u1ecb gi\u00e1n \u0111o\u1ea1n v\u00e0 m\u1ea5t d\u1eef li\u1ec7u, v\u1edbi nh\u1eefng t\u00e1c \u0111\u1ed9ng kinh t\u1ebf s\u00e2u r\u1ed9ng”, Antony Ireland<\/a> trong Risk &; Insurance cho bi\u1ebft. <\/p>\n\n

\u0110i\u1ec7n to\u00e1n \u0111\u00e1m m\u00e2y cung c\u1ea5p m\u1ed9t lo\u1ea1t c\u00e1c th\u00e1ch th\u1ee9c v\u00e0 c\u01a1 h\u1ed9i m\u1edbi cho c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m.\nKhi c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m ti\u1ebfp t\u1ee5c n\u1eafm b\u1eaft c\u00e1c c\u00f4ng c\u1ee5 n\u00e0y, kh\u1ea3 n\u0103ng c\u1ee7a h\u1ecd \u0111\u1ec3 \u0111\u00e1p \u1ee9ng c\u00e1c m\u1ee5c ti\u00eau kinh doanh trong khi c\u1ea3i thi\u1ec7n d\u1ecbch v\u1ee5 kh\u00e1ch h\u00e0ng c\u0169ng c\u00f3 kh\u1ea3 n\u0103ng c\u1ea3i thi\u1ec7n. <\/p>\n\n

\u1ea2nh: dolgachov\/\u00a9123RF.com, Asawin Klabma\/\u00a9123RF.com, Mark Bowden\/\u00a9123RF.com<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

Khi truy c\u1eadp internet tr\u1edf th\u00e0nh m\u1ed9t \u0111i\u1ec1u c\u1ea7n thi\u1ebft, nhu c\u1ea7u v\u1ec1 th\u00f4ng tin c\u00f3 s\u1eb5n tr\u00ean to\u00e0n c\u1ea7u c\u0169ng v\u1eady. \u0110i\u1ec7n to\u00e1n \u0111\u00e1m m\u00e2y \u0111\u00e1p \u1ee9ng nhu c\u1ea7u n\u00e0y, l\u01b0u tr\u1eef th\u00f4ng tin t\u1eadp trung \u0111\u1ec3 b\u1ea5t k\u1ef3 ai c\u00f3 thi\u1ebft b\u1ecb v\u00e0 th\u00f4ng tin \u0111\u0103ng nh\u1eadp ch\u00ednh x\u00e1c \u0111\u1ec1u c\u00f3 th\u1ec3 truy […]<\/p>\n","protected":false},"featured_media":6088,"template":"","insight-category":[],"class_list":["post-21090","insight","type-insight","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight\/21090","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\/6088"}],"wp:attachment":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/media?parent=21090"}],"wp:term":[{"taxonomy":"insight-category","embeddable":true,"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight-category?post=21090"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}