{"id":21138,"date":"2024-09-30T14:22:17","date_gmt":"2024-09-30T19:22:17","guid":{"rendered":"https:\/\/bolttech.io\/insights\/google-trong-bao-hiem-tac-dong-la-co-that\/"},"modified":"2024-10-29T09:11:18","modified_gmt":"2024-10-29T14:11:18","slug":"google-trong-bao-hiem-tac-dong-la-co-that","status":"publish","type":"insight","link":"https:\/\/bolttech.io\/vi\/insights\/google-trong-bao-hiem-tac-dong-la-co-that\/","title":{"rendered":"Google trong b\u1ea3o hi\u1ec3m: T\u00e1c \u0111\u1ed9ng l\u00e0 c\u00f3 th\u1eadt"},"content":{"rendered":"\n<p>Google v\u00e0 nh\u1eefng g\u00e3 kh\u1ed5ng l\u1ed3 c\u00f4ng ngh\u1ec7 kh\u00e1c nh\u01b0 Amazon l\u00e0 nh\u1eefng c\u00e1i t\u00ean quen thu\u1ed9c.\n\u0110\u01b0\u1ee3c h\u1ed7 tr\u1ee3 b\u1edfi kh\u1ea3 n\u0103ng ng\u00e0y c\u00e0ng t\u0103ng trong d\u1eef li\u1ec7u v\u00e0 ph\u00e2n t\u00edch c\u1ee7a n\u00f3, c\u00e1c c\u00f4ng ty n\u00e0y kh\u00f4ng ng\u1ea1i b\u01b0\u1edbc v\u00e0o c\u00e1c ng\u00e0nh c\u00f4ng nghi\u1ec7p v\u00e0 l\u0129nh v\u1ef1c kinh doanh m\u1edbi. <\/p>\n\n<p>B\u1ea3o hi\u1ec3m l\u00e0 m\u1ed9t ng\u00e0nh ph\u1ea3i \u0111\u1ed1i m\u1eb7t v\u1edbi s\u1ef1 gi\u00e1n \u0111o\u1ea1n kh\u00f4ng ch\u1ec9 t\u1eeb c\u00e1c c\u00f4ng ty kh\u1edfi nghi\u1ec7p insurtech, m\u00e0 c\u00f2n t\u1eeb nh\u1eefng ng\u01b0\u1eddi ch\u01a1i \u0111\u00e3 th\u00e0nh l\u1eadp trong c\u00e1c ng\u00e0nh kh\u00e1c, bao g\u1ed3m c\u1ea3 c\u00f4ng ngh\u1ec7, t\u00ecm c\u00e1ch thay \u0111\u1ed5i c\u00e1ch b\u1ea3o hi\u1ec3m ho\u1ea1t \u0111\u1ed9ng cho ng\u01b0\u1eddi ti\u00eau d\u00f9ng v\u00e0 doanh nghi\u1ec7p.<\/p>\n\n<p>Do \u0111\u00f3, &#8220;s\u1ef1 c\u1ea1nh tranh trong ng\u00e0nh b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 nhanh ch\u00f3ng t\u0103ng l\u00ean khi ng\u01b0\u1eddi ti\u00eau d\u00f9ng tr\u1edf n\u00ean c\u1edfi m\u1edf v\u1edbi vi\u1ec7c mua b\u1ea3o hi\u1ec3m kh\u00f4ng ch\u1ec9 t\u1eeb c\u00e1c \u0111\u1ed1i th\u1ee7 c\u1ea1nh tranh truy\u1ec1n th\u1ed1ng nh\u01b0 ng\u00e2n h\u00e0ng m\u00e0 c\u00f2n t\u1eeb c\u00e1c g\u00e3 kh\u1ed5ng l\u1ed3 Internet&#8221;, <a href=\"https:\/\/www.insurancejournal.com\/news\/national\/2015\/01\/09\/353593.htm\" target=\"_blank\" rel=\"noreferrer noopener\">Michael Lyman<\/a>, gi\u00e1m \u0111\u1ed1c \u0111i\u1ec1u h\u00e0nh t\u01b0 v\u1ea5n qu\u1ea3n l\u00fd v\u1edbi th\u1ef1c ti\u1ec5n ng\u00e0nh b\u1ea3o hi\u1ec3m t\u1ea1i Accenture cho bi\u1ebft.<\/p>\n\n<p>Google mang l\u1ea1i m\u1ed9t s\u1ed1 l\u1ee3i th\u1ebf cho b\u1ea3ng, nh\u01b0ng n\u00f3 c\u0169ng ph\u1ea3i \u0111\u1ed1i m\u1eb7t v\u1edbi nh\u1eefng h\u1ea1n ch\u1ebf m\u00e0 c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m t\u00e0i s\u1ea3n v\u00e0 th\u01b0\u01a1ng vong \u0111\u01b0\u1ee3c th\u00e0nh l\u1eadp kh\u00f4ng c\u00f3.\nHi\u1ec3u \u0111\u01b0\u1ee3c nh\u1eefng l\u1ee3i th\u1ebf v\u00e0 h\u1ea1n ch\u1ebf n\u00e0y cho ph\u00e9p c\u00e1c h\u00e3ng v\u1eadn t\u1ea3i P&amp;C ph\u00e1t hi\u1ec7n ra c\u01a1 h\u1ed9i ph\u00e1t tri\u1ec3n m\u1ea1nh ngay c\u1ea3 khi nh\u1eefng g\u00e3 kh\u1ed5ng l\u1ed3 c\u00f4ng ngh\u1ec7 th\u1eed s\u1ee9c v\u1edbi b\u1ea3o hi\u1ec3m. <\/p>\n\n<h2 class=\"wp-block-heading\">Google v\u1edbi t\u01b0 c\u00e1ch l\u00e0 nh\u00e0 \u0111\u1ea7u t\u01b0<\/h2>\n\n<p>N\u0103m 2015, Google tuy\u00ean b\u1ed1 b\u01b0\u1edbc \u0111\u1ed9t ph\u00e1 v\u00e0o th\u1ecb tr\u01b0\u1eddng b\u1ea3o hi\u1ec3m \u00f4 t\u00f4.\nC\u00f4ng ty \u0111\u00e3 c\u00f3 \u0111\u01b0\u1ee3c gi\u1ea5y ph\u00e9p b\u00e1n b\u1ea3o hi\u1ec3m \u1edf 26 ti\u1ec3u bang v\u00e0 h\u1ee3p t\u00e1c v\u1edbi m\u1ed9t s\u1ed1 h\u00e3ng v\u1eadn t\u1ea3i, bao g\u1ed3m b\u1ea3o hi\u1ec3m Dairyland, MetLife v\u00e0 Mercury, <a href=\"https:\/\/go.forrester.com\/blogs\/15-01-07-is_google_buying_coverhound_the_curious_case_of_the_california_insurance_license\/\" target=\"_blank\" rel=\"noreferrer noopener\">Ellen Carney<\/a>, nh\u00e0 ph\u00e2n t\u00edch ch\u00ednh t\u1ea1i Forrester Research vi\u1ebft. <\/p>\n\n<p>C\u00f4ng ty c\u0169ng h\u1ee3p t\u00e1c v\u1edbi Compare.com v\u00e0 CoverHound \u0111\u1ec3 x\u00e2y d\u1ef1ng m\u1ed9t c\u00f4ng c\u1ee5 so s\u00e1nh gi\u00e1 b\u1ea3o hi\u1ec3m.\nTuy nhi\u00ean, v\u00e0o n\u0103m 2016, Google \u0111\u00e3 ch\u1ea5m d\u1ee9t quan h\u1ec7 \u0111\u1ed1i t\u00e1c trong d\u1ef1 \u00e1n c\u00f4ng c\u1ee5 so s\u00e1nh. <\/p>\n\n<p>Tuy nhi\u00ean, c\u00e1c kho\u1ea3n \u0111\u1ea7u t\u01b0 ban \u0111\u1ea7u c\u1ee7a n\u00f3 \u0111\u00e3 mang l\u1ea1i cho Google c\u00e1i nh\u00ecn s\u00e2u s\u1eafc v\u1ec1 ng\u00e0nh b\u1ea3o hi\u1ec3m.\nV\u00ed d\u1ee5, quan h\u1ec7 \u0111\u1ed1i t\u00e1c ng\u1eafn ng\u1ee7i v\u1edbi CoverHound cho ph\u00e9p g\u00e3 kh\u1ed5ng l\u1ed3 c\u00f4ng ngh\u1ec7 thu th\u1eadp th\u00f4ng tin v\u1ec1 nhu c\u1ea7u c\u1ee7a kh\u00e1ch h\u00e0ng b\u1ea3o hi\u1ec3m m\u00e0 c\u00e1c nh\u00e0 m\u1ea1ng \u0111\u00e3 th\u00e0nh l\u1eadp kh\u00f4ng \u0111\u00e1p \u1ee9ng, <a href=\"https:\/\/www.insurancejournal.com\/news\/national\/2016\/02\/22\/399490.htm\" target=\"_blank\" rel=\"noreferrer noopener\">Keith Moore<\/a>, Gi\u00e1m \u0111\u1ed1c \u0111i\u1ec1u h\u00e0nh v\u00e0 ch\u1ee7 t\u1ecbch c\u1ee7a CoverHound cho bi\u1ebft. <\/p>\n\n<p>C\u00f4ng ty m\u1eb9 c\u1ee7a Google, Alphabet, \u0111\u00e3 g\u00e2y ch\u00fa \u00fd v\u00e0o n\u0103m 2018 b\u1eb1ng c\u00e1ch \u0111\u1ea7u t\u01b0 v\u00e0o m\u1ed9t s\u1ed1 c\u00f4ng ty kh\u1edfi nghi\u1ec7p b\u1ea3o hi\u1ec3m v\u00e0 c\u00f4ng ngh\u1ec7 b\u1ea3o hi\u1ec3m, bao g\u1ed3m Applied Systems v\u00e0 Oscar Health, <a href=\"https:\/\/www.insurancebusinessmag.com\/us\/news\/healthcare\/google-parent-pumps-375-million-into-insurance-startup-108807.aspx\" target=\"_blank\" rel=\"noreferrer noopener\">Paolo Taruc<\/a> vi\u1ebft trong Kinh doanh b\u1ea3o hi\u1ec3m. H\u1ecd th\u1eadm ch\u00ed c\u00f2n m\u1ea1o hi\u1ec3m tham gia b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd, \u1ee7ng h\u1ed9 c\u00f4ng ty kh\u1edfi nghi\u1ec7p nh\u00e2n th\u1ecd c\u00f3 k\u1ef3 h\u1ea1n Ethos, <a href=\"https:\/\/fortune.com\/2018\/10\/30\/ethos-life-insurance-startup-second-funding-round\/\" target=\"_blank\" rel=\"noreferrer noopener\">Natasha Bach<\/a> t\u1ea1i Fortune vi\u1ebft.<\/p>\n\n<p>S\u1ef1 l\u1ef1a ch\u1ecdn \u0111\u1ea7u t\u01b0 c\u1ee7a Alphabet c\u00f3 th\u1ec3 \u0111\u00f3ng vai tr\u00f2 l\u00e0 m\u1ed9t ch\u1ec9 s\u1ed1 v\u1ec1 t\u1ea7m nh\u00ecn c\u1ee7a c\u00f4ng ty v\u1ec1 b\u1ea3o hi\u1ec3m trong t\u01b0\u01a1ng lai.\nV\u00ed d\u1ee5, kho\u1ea3n \u0111\u1ea7u t\u01b0 v\u00e0o Applied Systems, cung c\u1ea5p c\u00e1c gi\u1ea3i ph\u00e1p insurtech cho c\u00e1c \u0111\u1ea1i l\u00fd v\u00e0 nh\u00e0 m\u00f4i gi\u1edbi, c\u00f3 th\u1ec3 ch\u1ec9 ra r\u1eb1ng Google v\u00e0 c\u00f4ng ty m\u1eb9 c\u1ee7a n\u00f3 mong \u0111\u1ee3i c\u00e1c \u0111\u1ea1i l\u00fd v\u00e0 nh\u00e0 m\u00f4i gi\u1edbi ti\u1ebfp t\u1ee5c \u0111\u00f3ng m\u1ed9t vai tr\u00f2 quan tr\u1ecdng trong c\u00e1ch b\u00e1n v\u00e0 s\u1eed d\u1ee5ng b\u1ea3o hi\u1ec3m, <a href=\"https:\/\/www.insurancejournal.com\/news\/national\/2018\/10\/17\/504780.htm\" target=\"_blank\" rel=\"noreferrer noopener\">Reid French<\/a>, Gi\u00e1m \u0111\u1ed1c \u0111i\u1ec1u h\u00e0nh c\u1ee7a Applied Systems cho bi\u1ebft. <\/p>\n\n<p>C\u00f4ng ty kh\u00f4ng c\u00f3 kh\u1ea3 n\u0103ng ng\u1eebng \u0111\u1ea7u t\u01b0 v\u00e0o c\u00f4ng ngh\u1ec7 v\u00e0 d\u1ecbch v\u1ee5 li\u00ean quan \u0111\u1ebfn b\u1ea3o hi\u1ec3m s\u1edbm.\n&#8220;Ch\u00fang t\u00f4i th\u1ef1c s\u1ef1 th\u00edch th\u1ecb tr\u01b0\u1eddng. Ch\u00fang t\u00f4i ch\u1eafc ch\u1eafn s\u1ebd t\u00ecm ki\u1ebfm c\u00e1c kho\u1ea3n \u0111\u1ea7u t\u01b0 b\u1ed5 sung v\u00e0o kh\u00f4ng gian c\u00f4ng ngh\u1ec7 b\u1ea3o hi\u1ec3m&#8221;, <a href=\"https:\/\/www.insurancejournal.com\/news\/national\/2018\/10\/19\/505093.htm\" target=\"_blank\" rel=\"noreferrer noopener\">Jesse Wedler<\/a>, gi\u00e1m \u0111\u1ed1c qu\u1ef9 \u0111\u1ea7u t\u01b0 c\u1ed5 ph\u1ea7n t\u0103ng tr\u01b0\u1edfng c\u1ee7a Alphabet, CapitalG cho bi\u1ebft. <\/p>\n\n<figure class=\"wp-block-image aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/bolttech.io\/wp-content\/uploads\/2024\/08\/car-on-parking.jpg\" alt=\"\" class=\"wp-image-5976\" srcset=\"https:\/\/bolttech.io\/wp-content\/uploads\/2024\/08\/car-on-parking.jpg 1024w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/08\/car-on-parking-300x200.jpg 300w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/08\/car-on-parking-768x512.jpg 768w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n<h2 class=\"wp-block-heading\">Google v\u1edbi t\u01b0 c\u00e1ch l\u00e0 c\u00f4ng ty b\u1ea3o hi\u1ec3m<\/h2>\n\n<p>M\u1ed9t s\u1ed1 c\u00f4ng ty phi b\u1ea3o hi\u1ec3m \u0111\u00e3 tuy\u00ean b\u1ed1 quan t\u00e2m \u0111\u1ebfn vi\u1ec7c cung c\u1ea5p b\u1ea3o hi\u1ec3m trong nh\u1eefng n\u0103m g\u1ea7n \u0111\u00e2y, bao g\u1ed3m Tesla, Amazon v\u00e0 Waymo.\nDo \u0111\u00f3, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u1edf M\u1ef9, Canada v\u00e0 c\u00e1c qu\u1ed1c gia kh\u00e1c \u0111ang b\u1eaft \u0111\u1ea7u ch\u00fa \u00fd h\u01a1n \u0111\u1ebfn s\u1ef1 tham gia c\u1ee7a c\u00e1c c\u00f4ng ty n\u00e0y v\u00e0o ng\u00e0nh c\u1ee7a h\u1ecd, <a href=\"https:\/\/www.insurancebusinessmag.com\/ca\/news\/healthcare\/amazon-and-google-the-next-generation-of-insurance-competition-in-canada-117644.aspx\" target=\"_blank\" rel=\"noreferrer noopener\">Bethan Moorcraft<\/a>, bi\u00ean t\u1eadp vi\u00ean tin t\u1ee9c t\u1ea1i t\u1ea1p ch\u00ed Insurance Business cho bi\u1ebft. <\/p>\n\n<p>D\u1ef1 \u00e1n so s\u00e1nh gi\u00e1 b\u1ea3o hi\u1ec3m n\u0103m 2015 c\u1ee7a Google v\u00e0 gi\u1ea5y ph\u00e9p b\u00e1n b\u1ea3o hi\u1ec3m m\u00e0 c\u00f4ng ty mua l\u1ea1i \u1edf nhi\u1ec1u ti\u1ec3u bang c\u1ee7a Hoa K\u1ef3, \u0111\u00e3 d\u1eabn \u0111\u1ebfn suy \u0111o\u00e1n r\u1eb1ng m\u1ed9t l\u00fac n\u00e0o \u0111\u00f3 c\u00f4ng ty s\u1ebd c\u1ed1 g\u1eafng b\u00e1n c\u00e1c s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m.\nTuy nhi\u00ean, s\u1ef1 quan t\u00e2m c\u1ee7a Google \u0111\u1ed1i v\u1edbi b\u1ea3o hi\u1ec3m t\u1ea1i th\u1eddi \u0111i\u1ec3m n\u00e0y d\u01b0\u1eddng nh\u01b0 ch\u1ee7 y\u1ebfu t\u1eeb ph\u00eda \u0111\u1ea7u t\u01b0, <a href=\"https:\/\/www.insurancejournal.com\/news\/national\/2019\/01\/02\/513324.htm\" target=\"_blank\" rel=\"noreferrer noopener\">Andrew G. Simpson<\/a> vi\u1ebft tr\u00ean T\u1ea1p ch\u00ed B\u1ea3o hi\u1ec3m. <\/p>\n\n<p>Tuy nhi\u00ean, s\u1ef1 quan t\u00e2m \u0111\u1ea7u t\u01b0 c\u1ee7a Google v\u00e0o b\u1ea3o hi\u1ec3m kh\u00f4ng c\u00f3 ngh\u0129a l\u00e0 ng\u00e0nh c\u00f4ng nghi\u1ec7p n\u00e0y kh\u00f4ng c\u00f3 c\u00f4ng ngh\u1ec7 l\u1edbn nh\u01b0 m\u1ed9t \u0111\u1ed1i th\u1ee7 c\u1ea1nh tranh tr\u1ef1c ti\u1ebfp.\nAmazon c\u0169ng \u0111\u00e3 xem x\u00e9t vi\u1ec7c th\u1ef1c hi\u1ec7n m\u1ed9t c\u00e1ch ti\u1ebfp c\u1eadn tr\u1ef1c ti\u1ebfp h\u01a1n \u0111\u1ed1i v\u1edbi b\u1ea3o hi\u1ec3m; v\u00ed d\u1ee5, c\u00f4ng ty \u0111\u00e3 xem x\u00e9t vi\u1ec7c thi\u1ebft l\u1eadp m\u1ed9t trang web so s\u00e1nh b\u1ea3o hi\u1ec3m c\u1ee7a ri\u00eang m\u00ecnh, trang web n\u00e0y \u1edf V\u01b0\u01a1ng qu\u1ed1c Anh. <\/p>\n\n<p>&#8220;Khi Amazon tr\u1edf th\u00e0nh m\u1ed9t ph\u1ea7n l\u1edbn h\u01a1n c\u1ee7a ng\u00f4i nh\u00e0, cho d\u00f9 \u0111\u00f3 l\u00e0 s\u1ea3n ph\u1ea9m \u0111\u01b0\u1ee3c giao \u0111\u1ebfn nh\u00e0, gi\u00e1m s\u00e1t an ninh, d\u1ecbch v\u1ee5 gia \u0111\u00ecnh nh\u01b0 c\u00e0i \u0111\u1eb7t wifi, b\u1ea1n c\u00f3 th\u1ec3 \u0111\u01b0a ra tr\u01b0\u1eddng h\u1ee3p r\u1eb1ng b\u1ea3o hi\u1ec3m l\u00e0 b\u01b0\u1edbc h\u1ee3p l\u00fd ti\u1ebfp theo cho c\u00f4ng ty n\u00e0y&#8221;, <a href=\"https:\/\/www.theguardian.com\/business\/2018\/aug\/16\/amazon-considers-setting-up-insurance-comparison-site-in-uk\" target=\"_blank\" rel=\"noreferrer noopener\">R.J. Hottovy<\/a>, m\u1ed9t nh\u00e0 ph\u00e2n t\u00edch t\u1ea1i Morningstar n\u00f3i.<\/p>\n\n<p>Cho \u0111\u1ebfn nay, h\u1ea7u h\u1ebft c\u00e1c th\u00f4ng b\u00e1o c\u1ee7a c\u00e1c \u0111\u1ed1i th\u1ee7 c\u1ea1nh tranh phi b\u1ea3o hi\u1ec3m \u0111\u1ec1u t\u1eadp trung v\u00e0o c\u00e1c d\u00f2ng c\u00e1 nh\u00e2n, b\u1edfi v\u00ec s\u1ee9c m\u1ea1nh c\u1ee7a nh\u1eefng g\u00e3 kh\u1ed5ng l\u1ed3 c\u00f4ng ngh\u1ec7 l\u00e0 s\u1ef1 hi\u1ec3u bi\u1ebft c\u1ee7a h\u1ecd v\u1ec1 kh\u00e1ch h\u00e0ng m\u00e0 h\u1ecd ph\u1ee5c v\u1ee5, <a href=\"https:\/\/techcrunch.com\/2018\/12\/04\/commercial-insurtech-is-like-an-exclusive-club-and-google-and-amazon-arent-invited\/\" target=\"_blank\" rel=\"noreferrer noopener\">Chris Downer<\/a>, hi\u1ec7u tr\u01b0\u1edfng t\u1ea1i XL Innovation cho bi\u1ebft.<\/p>\n\n<p>&#8220;B\u1edfi v\u00ec kh\u00e1ch h\u00e0ng lu\u00f4n l\u00e0 \u01b0u ti\u00ean h\u00e0ng \u0111\u1ea7u, h\u1ea7u h\u1ebft \u0111\u1ec1u mong \u0111\u1ee3i Amazon v\u00e0 Google t\u1eadp trung v\u1eefng ch\u1eafc v\u00e0o c\u00e1c d\u00f2ng c\u00e1 nh\u00e2n&#8221;, Downer vi\u1ebft.\n\u0110i\u1ec1u n\u00e0y mang l\u1ea1i cho c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m x\u1eed l\u00fd c\u00e1c d\u00f2ng th\u01b0\u01a1ng m\u1ea1i c\u01a1 h\u1ed9i \u0111\u1ed5i m\u1edbi trong l\u0129nh v\u1ef1c th\u01b0\u01a1ng m\u1ea1i, x\u00e2y d\u1ef1ng m\u1ed9t l\u0129nh v\u1ef1c kinh doanh \u00edt b\u1ecb t\u1ed5n th\u01b0\u01a1ng h\u01a1n tr\u01b0\u1edbc s\u1ef1 x\u00e2m nh\u1eadp c\u1ee7a c\u00e1c \u0111\u1ed1i th\u1ee7 c\u1ea1nh tranh phi b\u1ea3o hi\u1ec3m. <\/p>\n\n<figure class=\"wp-block-image aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/bolttech.io\/wp-content\/uploads\/2024\/08\/handshake.jpg\" alt=\"\" class=\"wp-image-5966\" srcset=\"https:\/\/bolttech.io\/wp-content\/uploads\/2024\/08\/handshake.jpg 1024w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/08\/handshake-300x200.jpg 300w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/08\/handshake-768x512.jpg 768w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n<h2 class=\"wp-block-heading\">N\u01a1i Google c\u00f3 l\u1ee3i th\u1ebf \u2013 v\u00e0 h\u1ecdc h\u1ecfi g\u00ec t\u1eeb n\u00f3<\/h2>\n\n<p>Nh\u1eefng g\u00e3 kh\u1ed5ng l\u1ed3 c\u00f4ng ngh\u1ec7 nh\u01b0 Google, Apple, Amazon v\u00e0 Microsoft c\u00f3 m\u1ed9t s\u1ed1 l\u1ee3i th\u1ebf khi tham gia b\u1ea3o hi\u1ec3m.\nC\u00e1c h\u00e3ng v\u1eadn t\u1ea3i P&amp;C \u0111\u01b0\u1ee3c th\u00e0nh l\u1eadp hi\u1ec3u \u0111\u01b0\u1ee3c l\u1ee3i th\u1ebf c\u1ee7a c\u00e1c c\u00f4ng ty n\u00e0y c\u00f3 th\u1ec3 t\u00ecm c\u00e1ch \u00e1p d\u1ee5ng ch\u00fang trong b\u1ed1i c\u1ea3nh c\u00f4ng vi\u1ec7c c\u1ee7a ch\u00ednh h\u1ecd, t\u1eeb \u0111\u00f3 c\u1ea3i thi\u1ec7n v\u1ecb th\u1ebf c\u1ea1nh tranh v\u00e0 t\u1ef1 b\u1ea3o v\u1ec7 m\u00ecnh trong t\u01b0\u01a1ng lai tr\u01b0\u1edbc nh\u1eefng thay \u0111\u1ed5i ti\u1ebfp theo. <\/p>\n\n<h2 class=\"wp-block-heading\">Quan h\u1ec7 kh\u00e1ch h\u00e0ng<\/h2>\n\n<p>Google \u0111\u00e3 l\u00e0 m\u1ed9t c\u00e1i t\u00ean quen thu\u1ed9c, \u0111\u00f3 c\u00f3 th\u1ec3 l\u00e0 l\u00fd do m\u00e0 30% ng\u01b0\u1eddi ti\u00eau d\u00f9ng tr\u00ean to\u00e0n th\u1ebf gi\u1edbi quan t\u00e2m \u0111\u1ebfn vi\u1ec7c mua b\u1ea3o hi\u1ec3m t\u1eeb Google v\u00e0 c\u00e1c c\u00f4ng ty t\u01b0\u01a1ng t\u1ef1 nh\u01b0 Amazon, <a href=\"https:\/\/www.capgemini.com\/news\/world-insurance-report-2018-as-more-customers-buy-insurance-from-bigtechs-digital-agility-is-key-for-traditional-insurers\/\" target=\"_blank\" rel=\"noreferrer noopener\">Michele Moore<\/a> t\u1ea1i Capgemini vi\u1ebft.<\/p>\n\n<p>X\u00e2y d\u1ef1ng m\u1ed1i quan h\u1ec7 \u0111\u00e3 s\u1eb5n s\u00e0ng \u0111\u1ec3 tr\u1edf th\u00e0nh m\u1ed9t y\u1ebfu t\u1ed1 x\u00e1c \u0111\u1ecbnh cho c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m, \u0111\u1eb7c bi\u1ec7t l\u00e0 khi insurtech chu\u1ea9n h\u00f3a c\u00e1ch th\u1ee9c m\u00e0 c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m thu th\u1eadp, ph\u00e2n t\u00edch v\u00e0 s\u1eed d\u1ee5ng d\u1eef li\u1ec7u.\n&#8220;C\u00e1c nh\u00e0 m\u1ea1ng v\u00e0 trung gian t\u1ed1t nh\u1ea5t trong vi\u1ec7c cho ph\u00e9p v\u00e0 c\u00f3 m\u1ed1i quan h\u1ec7 c\u00e1 nh\u00e2n s\u1ebd th\u00e0nh c\u00f4ng nh\u1ea5t&#8221;, <a href=\"https:\/\/www.insurancejournal.com\/news\/national\/2018\/08\/28\/499384.htm\" target=\"_blank\" rel=\"noreferrer noopener\">Christopher J. Boggs<\/a>, gi\u00e1m \u0111\u1ed1c \u0111i\u1ec1u h\u00e0nh c\u1ee7a \u0110\u1ea1i h\u1ecdc \u1ea3o Big I n\u00f3i. <\/p>\n\n<p>V\u00e0 Google \u0111\u00e3 \u0111i s\u00e2u v\u00e0o th\u00e1ch th\u1ee9c quan h\u1ec7 kh\u00e1ch h\u00e0ng theo nh\u1eefng c\u00e1ch m\u00e0 h\u1ea7u h\u1ebft c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m kh\u00f4ng th\u1ec3 th\u1eed.\nV\u00ed d\u1ee5, c\u00f4ng c\u1ee5 g\u1ecdi tho\u1ea1i AI c\u1ee7a Google, Duplex, \u0111\u00e3 \u0111\u01b0\u1ee3c th\u1eed nghi\u1ec7m \u0111\u1ec3 x\u1eed l\u00fd c\u00e1c cu\u1ed9c g\u1ecdi \u0111i\u1ec7n tho\u1ea1i c\u1ee7a kh\u00e1ch h\u00e0ng, thu h\u00fat s\u1ef1 quan t\u00e2m c\u1ee7a \u00edt nh\u1ea5t m\u1ed9t c\u00f4ng ty b\u1ea3o hi\u1ec3m, <a href=\"https:\/\/www.engadget.com\/2018\/07\/05\/googles-voice-calling-ai-could-handle-your-next-insurance-claim\/\" target=\"_blank\" rel=\"noreferrer noopener\">Timothy J. Seppala<\/a> n\u00f3i tr\u00ean Engadget. <\/p>\n\n<p>Khi Google l\u00e0m vi\u1ec7c \u0111\u1ec3 tinh ch\u1ec9nh kh\u1ea3 n\u0103ng d\u1ecbch v\u1ee5 kh\u00e1ch h\u00e0ng c\u1ee7a Duplex, c\u00f4ng ty ti\u1ebfp t\u1ee5c nh\u00ecn th\u1ea5y c\u00e1c v\u1ea5n \u0111\u1ec1 v\u00e0 gi\u1ea3i ph\u00e1p d\u1ecbch v\u1ee5 kh\u00e1ch h\u00e0ng t\u1eeb g\u00f3c \u0111\u1ed9 m\u00e0 c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c th\u00e0nh l\u1eadp kh\u00f4ng c\u00f3.<\/p>\n\n<h2 class=\"wp-block-heading\">D\u1eef li\u1ec7u v\u00e0 ph\u00e2n t\u00edch<\/h2>\n\n<p>Cho d\u00f9 trong l\u0129nh v\u1ef1c b\u1ea3o hi\u1ec3m hay b\u1ea5t k\u1ef3 ng\u00e0nh n\u00e0o kh\u00e1c, Google tham gia v\u00e0o l\u0129nh v\u1ef1c n\u00e0y v\u1edbi quy\u1ec1n truy c\u1eadp \u0111\u00e1ng k\u1ec3 v\u00e0o d\u1eef li\u1ec7u v\u00e0 k\u1ef9 n\u0103ng ph\u00e2n t\u00edch d\u1eef li\u1ec7u \u0111\u1ec3 t\u1ea1o ra tr\u1ea3i nghi\u1ec7m kh\u00e1ch h\u00e0ng m\u00e0 ng\u01b0\u1eddi mua s\u1eafm mu\u1ed1n.<\/p>\n\n<p>&#8220;Vi\u1ec7c s\u1eed d\u1ee5ng d\u1eef li\u1ec7u v\u00e0 c\u00f3 th\u1ec3 cung c\u1ea5p tr\u1ea3i nghi\u1ec7m kh\u00e1ch h\u00e0ng k\u1ef9 thu\u1eadt s\u1ed1 th\u1ef1c s\u1ef1 \u0111\u1ec1u r\u1ea5t quan tr\u1ecdng \u0111\u1ed1i v\u1edbi c\u00f4ng ty b\u1ea3o hi\u1ec3m trong t\u01b0\u01a1ng lai, \u0111i\u1ec1u m\u00e0 c\u00e1c c\u00f4ng ty Big Tech nh\u01b0 Amazon v\u00e0 Google v\u01b0\u1ee3t tr\u1ed9i&#8221;, <a href=\"https:\/\/techwireasia.com\/2018\/05\/can-insurance-companies-compete-with-amazon-google-and-softbank\/\" target=\"_blank\" rel=\"noreferrer noopener\">Anirban Bose<\/a>, ng\u01b0\u1eddi \u0111\u1ee9ng \u0111\u1ea7u d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh to\u00e0n c\u1ea7u v\u00e0 l\u00e0 th\u00e0nh vi\u00ean ban \u0111i\u1ec1u h\u00e0nh nh\u00f3m c\u1ee7a Capgemini cho bi\u1ebft.<\/p>\n\n<p>Bose tin r\u1eb1ng nhi\u1ec1u c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u00e1nh gi\u00e1 th\u1ea5p t\u1ea7m quan tr\u1ecdng c\u1ee7a tr\u1ea3i nghi\u1ec7m kh\u00e1ch h\u00e0ng k\u1ef9 thu\u1eadt s\u1ed1 li\u1ec1n m\u1ea1ch, \u0111\u01b0\u1ee3c c\u00e1 nh\u00e2n h\u00f3a.\nV\u00ec Amazon hi\u1ec7n \u0111ang \u0111\u1eb7t ra ti\u00eau chu\u1ea9n cho d\u1ecbch v\u1ee5 kh\u00e1ch h\u00e0ng \u0111a k\u00eanh &#8211; v\u1edbi Google kh\u00f4ng xa ph\u00eda sau &#8211; c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m ph\u1ea3i \u0111\u1ed1i m\u1eb7t v\u1edbi m\u1ed9t \u0111\u1ed1i th\u1ee7 c\u1ea1nh tranh nghi\u00eam tr\u1ecdng v\u1ec1 s\u1ef1 ch\u1ea5p thu\u1eadn v\u00e0 l\u00f2ng trung th\u00e0nh c\u1ee7a kh\u00e1ch h\u00e0ng khi c\u00e1c c\u00f4ng ty c\u00f4ng ngh\u1ec7 l\u1edbn n\u00e0y cung c\u1ea5p c\u00e1c s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m. <\/p>\n\n<h2 class=\"wp-block-heading\">N\u01a1i c\u00e1c h\u00e3ng b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 n\u1ed5i b\u1eadt<\/h2>\n\n<p>Nh\u1eefng g\u00e3 kh\u1ed5ng l\u1ed3 c\u00f4ng ngh\u1ec7 c\u0169ng \u0111\u1ebfn v\u1edbi b\u1ea3o hi\u1ec3m v\u1edbi m\u1ed9t s\u1ed1 nh\u01b0\u1ee3c \u0111i\u1ec3m l\u1edbn.<\/p>\n\n<p>V\u00ed d\u1ee5, b\u1ea3o hi\u1ec3m th\u01b0\u1eddng cung c\u1ea5p t\u1ef7 su\u1ea5t l\u1ee3i nhu\u1eadn r\u00f2ng v\u00e0 l\u1ee3i nhu\u1eadn g\u1ed9p th\u1ea5p h\u01a1n so v\u1edbi c\u00e1c c\u00f4ng ty c\u00f4ng ngh\u1ec7 \u0111\u00e3 quen v\u1edbi vi\u1ec7c nh\u1eadn, <a href=\"https:\/\/techcrunch.com\/2018\/07\/10\/is-insurance-a-rich-enough-game-to-disrupt\/\" target=\"_blank\" rel=\"noreferrer noopener\">Martha Notaras<\/a>, \u0111\u1ed1i t\u00e1c t\u1ea1i XL Innovation cho bi\u1ebft.<\/p>\n\n<p>\u0110\u1ed1i v\u1edbi c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c th\u00e0nh l\u1eadp, t\u1ef7 su\u1ea5t l\u1ee3i nhu\u1eadn t\u01b0\u01a1ng \u0111\u1ed1i th\u1ea5p n\u00e0y n\u1ed5i ti\u1ebfng v\u00e0 \u0111\u01b0\u1ee3c t\u00ednh trong d\u1eef li\u1ec7u l\u1ecbch s\u1eed v\u00e0 ph\u01b0\u01a1ng ph\u00e1p t\u00ednh to\u00e1n m\u00e0 c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m s\u1eed d\u1ee5ng.\nTuy nhi\u00ean, n\u1ebfu kh\u00f4ng c\u00f3 th\u00f4ng tin n\u00e0y ho\u1eb7c h\u00e0ng th\u1eadp k\u1ef7 kinh nghi\u1ec7m t\u00edch l\u0169y n\u00f3, c\u00e1c c\u00f4ng ty c\u00f4ng ngh\u1ec7 c\u00f3 nhi\u1ec1u kh\u1ea3 n\u0103ng hi\u1ec3u sai v\u1ec1 nh\u1eefng r\u1ee7i ro m\u00e0 h\u1ecd b\u1ea3o hi\u1ec3m, Notaras vi\u1ebft. <\/p>\n\n<p>V\u1edbi m\u1ed7i kho\u1ea3n \u0111\u1ea7u t\u01b0, Google x\u00e2y d\u1ef1ng s\u1ef1 hi\u1ec3u bi\u1ebft c\u1ee7a m\u00ecnh v\u1ec1 ng\u00e0nh b\u1ea3o hi\u1ec3m v\u00e0 g\u00e2y \u00e1p l\u1ef1c l\u00ean c\u00e1c h\u00e3ng v\u1eadn t\u1ea3i l\u00e2u \u0111\u1eddi.\nTuy nhi\u00ean, th\u00f4ng tin v\u00e0 kinh nghi\u1ec7m v\u1eabn l\u00e0 m\u1ed9t l\u1ee3i th\u1ebf \u0111\u00e1ng k\u1ec3 cho c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m P&amp;C nh\u1eb1m t\u1ed1i \u01b0u h\u00f3a kh\u1ea3 n\u0103ng hi\u1ec3u v\u00e0 chia s\u1ebb ki\u1ebfn th\u1ee9c trong t\u1ed5 ch\u1ee9c v\u00e0 v\u1edbi kh\u00e1ch h\u00e0ng. <\/p>\n\n<p><em>H\u00ecnh \u1ea3nh b\u1edfi: everythingpossible \/\u00a9123RF.com, unitysphere\/\u00a9123RF.com.\nDzianis Apolka\/\u00a9123RF.com <\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Google v\u00e0 nh\u1eefng g\u00e3 kh\u1ed5ng l\u1ed3 c\u00f4ng ngh\u1ec7 kh\u00e1c nh\u01b0 Amazon l\u00e0 nh\u1eefng c\u00e1i t\u00ean quen thu\u1ed9c. \u0110\u01b0\u1ee3c h\u1ed7 tr\u1ee3 b\u1edfi kh\u1ea3 n\u0103ng ng\u00e0y c\u00e0ng t\u0103ng trong d\u1eef li\u1ec7u v\u00e0 ph\u00e2n t\u00edch c\u1ee7a n\u00f3, c\u00e1c c\u00f4ng ty n\u00e0y kh\u00f4ng ng\u1ea1i b\u01b0\u1edbc v\u00e0o c\u00e1c ng\u00e0nh c\u00f4ng nghi\u1ec7p v\u00e0 l\u0129nh v\u1ef1c kinh doanh m\u1edbi. B\u1ea3o hi\u1ec3m l\u00e0 [&hellip;]<\/p>\n","protected":false},"featured_media":5995,"template":"","insight-category":[],"class_list":["post-21138","insight","type-insight","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight\/21138","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\/5995"}],"wp:attachment":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/media?parent=21138"}],"wp:term":[{"taxonomy":"insight-category","embeddable":true,"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight-category?post=21138"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}