{"id":21302,"date":"2024-09-30T14:31:02","date_gmt":"2024-09-30T19:31:02","guid":{"rendered":"https:\/\/bolttech.io\/insights\/tai-sao-bao-hiem-pc-can-thong-diep-khach-hang-duoc-ca-nhan-hoa-hon\/"},"modified":"2024-11-06T17:32:27","modified_gmt":"2024-11-06T22:32:27","slug":"tai-sao-bao-hiem-pc-can-thong-diep-khach-hang-duoc-ca-nhan-hoa-hon","status":"publish","type":"insight","link":"https:\/\/bolttech.io\/vi\/insights\/tai-sao-bao-hiem-pc-can-thong-diep-khach-hang-duoc-ca-nhan-hoa-hon\/","title":{"rendered":"T\u1ea1i sao b\u1ea3o hi\u1ec3m P&C c\u1ea7n th\u00f4ng \u0111i\u1ec7p kh\u00e1ch h\u00e0ng \u0111\u01b0\u1ee3c c\u00e1 nh\u00e2n h\u00f3a h\u01a1n"},"content":{"rendered":"\n

C\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m t\u00e0i s\u1ea3n v\u00e0 th\u01b0\u01a1ng vong \u0111ang ph\u1ea3i v\u1eadt l\u1ed9n v\u1edbi c\u00e1c khi\u1ebfu n\u1ea1i ng\u00e0y c\u00e0ng t\u0103ng v\u00e0 c\u00f9ng l\u00fac \u0111\u00f3, kh\u00e1ch h\u00e0ng \u0111ang h\u1ee7y b\u1ecf ph\u1ea1m vi b\u1ea3o hi\u1ec3m c\u1ee7a h\u1ecd. Trong khi \u0111\u00f3, s\u1ef1 h\u00e0i l\u00f2ng c\u1ee7a kh\u00e1ch h\u00e0ng v\u1edbi vi\u1ec7c mua b\u1ea3o hi\u1ec3m \u0111ang \u1edf m\u1ee9c th\u1ea5p nh\u1ea5t m\u1ecdi th\u1eddi \u0111\u1ea1i, theo Tom Super v\u00e0 Colleen Cairns<\/a> , c\u00e1c c\u00e2y b\u00fat c\u1ee7a PropertyCasualty360. <\/p>\n\n

Theo Super v\u00e0 Cairns, m\u1ed9t l\u00fd do khi\u1ebfn kh\u00e1ch h\u00e0ng kh\u00f4ng h\u00e0i l\u00f2ng tr\u00e0n lan l\u00e0 kh\u00e1ch h\u00e0ng kh\u00f4ng c\u00f2n th\u1ea5y \u0111\u01b0\u1ee3c gi\u00e1 tr\u1ecb t\u1ed5ng th\u1ec3 m\u00e0 c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u01b0a ra. H\u1ecd c\u1ea3m th\u1ea5y l\u1ea1c l\u00f5ng trong s\u1ef1 x\u00e1o tr\u1ed9n v\u00e0 nh\u01b0 th\u1ec3 h\u1ecd s\u1ebd kh\u00f4ng bao gi\u1edd th\u1ea5y \u0111\u01b0\u1ee3c l\u1ee3i nhu\u1eadn t\u1eeb s\u1ed1 ti\u1ec1n h\u1ecd tr\u1ea3 cho ph\u1ea1m vi b\u1ea3o hi\u1ec3m. <\/p>\n\n

Tin nh\u1eafn kh\u00e1ch h\u00e0ng \u0111\u01b0\u1ee3c c\u00e1 nh\u00e2n h\u00f3a cung c\u1ea5p m\u1ed9t c\u00f4ng c\u1ee5 s\u00e2u s\u1eafc \u0111\u1ec3 xoay chuy\u1ec3n m\u1ed1i quan h\u1ec7 n\u00e0y. B\u1eb1ng c\u00e1ch n\u00f3i chuy\u1ec7n v\u1edbi kh\u00e1ch h\u00e0ng \u1edf c\u1ea5p \u0111\u1ed9 c\u00e1 nh\u00e2n, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m P&C c\u00f3 th\u1ec3 ch\u1ee9ng minh gi\u00e1 tr\u1ecb t\u1ed1t h\u01a1n v\u00e0 x\u00e2y d\u1ef1ng m\u1ed1i quan h\u1ec7, gi\u00fap kh\u00e1ch h\u00e0ng th\u1ea5y \u0111\u01b0\u1ee3c l\u00fd do t\u1ea1i sao vi\u1ec7c g\u1eafn b\u00f3 v\u1edbi c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u1ee7a h\u1ecd l\u00e0 v\u00ec l\u1ee3i \u00edch t\u1ed1t nh\u1ea5t c\u1ee7a h\u1ecd. <\/p>\n\n

Xu h\u01b0\u1edbng c\u00e1 nh\u00e2n h\u00f3a cho b\u1ea3o hi\u1ec3m P&C<\/h2>\n\n

C\u00e1 nh\u00e2n h\u00f3a kh\u00f4ng ch\u1ec9 gi\u1edbi h\u1ea1n \u1edf b\u1ea3o hi\u1ec3m. Kh\u00e1ch h\u00e0ng ng\u00e0y c\u00e0ng tr\u1ea3i nghi\u1ec7m c\u00e1 nh\u00e2n h\u00f3a trong nhi\u1ec1u t\u01b0\u01a1ng t\u00e1c mua h\u00e0ng, khi\u1ebfn n\u00f3 tr\u1edf th\u00e0nh tr\u1ea3i nghi\u1ec7m ph\u1ed5 bi\u1ebfn v\u00e0 \u0111\u01b0\u1ee3c mong \u0111\u1ee3i h\u01a1n. <\/p>\n\n

Kh\u00e1ch h\u00e0ng c\u00f3 xu h\u01b0\u1edbng ph\u1ea3n \u1ee9ng v\u1edbi c\u00e1 nh\u00e2n h\u00f3a b\u1eb1ng c\u00e1ch thay \u0111\u1ed5i th\u00f3i quen mua h\u00e0ng c\u1ee7a h\u1ecd: Trong m\u1ed9t nghi\u00ean c\u1ee9u, 86% kh\u00e1ch h\u00e0ng \u0111\u01b0\u1ee3c kh\u1ea3o s\u00e1t n\u00f3i r\u1eb1ng c\u00e1 nh\u00e2n h\u00f3a \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn nh\u1eefng g\u00ec h\u1ecd mua, theo chuy\u00ean gia nghi\u00ean c\u1ee9u Vanson Bourne<\/a>.<\/p>\n\n

Khi k\u1ef3 v\u1ecdng c\u1ee7a kh\u00e1ch h\u00e0ng thay \u0111\u1ed5i, h\u00e0nh vi c\u1ee7a c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m P&C c\u0169ng thay \u0111\u1ed5i, m\u1eb7c d\u00f9 ch\u1eadm h\u01a1n. M\u1eb7c d\u00f9 77 ph\u1ea7n tr\u0103m c\u00e1c c\u00f4ng ty tin r\u1eb1ng c\u00e1 nh\u00e2n h\u00f3a theo th\u1eddi gian th\u1ef1c l\u00e0 quan tr\u1ecdng, nh\u01b0ng 60 ph\u1ea7n tr\u0103m v\u1eabn \u0111ang v\u1eadt l\u1ed9n \u0111\u1ec3 tri\u1ec3n khai c\u00e1 nh\u00e2n h\u00f3a theo th\u1eddi gian th\u1ef1c hi\u1ec7u qu\u1ea3, Thomas Smale<\/a> , ng\u01b0\u1eddi s\u00e1ng l\u1eadp FE International t\u1ea1i Entrepreneur cho bi\u1ebft. Tuy nhi\u00ean, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u0169ng \u0111ang kh\u00e1m ph\u00e1 ra r\u1eb1ng c\u00e1c c\u00f4ng c\u1ee5 c\u1ea3i thi\u1ec7n c\u00e1 nh\u00e2n h\u00f3a kh\u00e1ch h\u00e0ng c\u0169ng c\u00f3 th\u1ec3 c\u1ea3i thi\u1ec7n ho\u1ea1t \u0111\u1ed9ng b\u1ea3o l\u00e3nh v\u00e0 qu\u1ea3n l\u00fd khi\u1ebfu n\u1ea1i. <\/p>\n\n

KH\u00c1CH H\u00c0NG MU\u1ed0N C\u00c1 NH\u00c2N H\u00d3A<\/h3>\n\n

C\u00e1 nh\u00e2n h\u00f3a trong b\u1ea3o hi\u1ec3m \u0111ang thay \u0111\u1ed5i m\u1ed9t lo\u1ea1t c\u00e1c nhi\u1ec7m v\u1ee5, t\u1eeb ti\u1ebfp th\u1ecb b\u1ea3o hi\u1ec3m \u0111\u1ebfn thi\u1ebft l\u1eadp ph\u00ed b\u1ea3o hi\u1ec3m \u0111\u1ec3 cung c\u1ea5p b\u1ea3o hi\u1ec3m ph\u00f9 h\u1ee3p cho c\u00e1c m\u1eb7t h\u00e0ng ho\u1eb7c s\u1ef1 ki\u1ec7n c\u1ee5 th\u1ec3, chuy\u00ean gia mua s\u1eafm Edmund Zagorin<\/a> t\u1ea1i Emerj cho bi\u1ebft.<\/p>\n\n

Kh\u00e1ch h\u00e0ng r\u1ea5t quan t\u00e2m \u0111\u1ebfn l\u1ee3i \u00edch c\u1ee7a vi\u1ec7c c\u00e1 nh\u00e2n h\u00f3a \u0111\u1ebfn m\u1ee9c h\u1ecd th\u1eadm ch\u00ed c\u00f2n s\u1eb5n s\u00e0ng chia s\u1ebb nhi\u1ec1u th\u00f4ng tin c\u00e1 nh\u00e2n c\u1ee7a m\u00ecnh h\u01a1n \u0111\u1ec3 c\u00f3 \u0111\u01b0\u1ee3c nh\u1eefng l\u1ee3i \u00edch n\u00e0y \u2014 v\u00e0 h\u1ecd \u0111\u00e3 l\u00e0m nh\u01b0 v\u1eady trong nhi\u1ec1u n\u0103m. Ngay t\u1eeb n\u0103m 2014, m\u1ed9t b\u00e1o c\u00e1o c\u1ee7a gi\u00e1m \u0111\u1ed1c \u0111i\u1ec1u h\u00e0nh Morgan Stanley Jon Hocking<\/a> v\u00e0 c\u00e1c nh\u00e0 nghi\u00ean c\u1ee9u kh\u00e1c \u0111\u00e3 b\u00e1o c\u00e1o r\u1eb1ng 85 ph\u1ea7n tr\u0103m kh\u00e1ch h\u00e0ng b\u1ea3o hi\u1ec3m s\u1eb5n s\u00e0ng chia s\u1ebb th\u00f4ng tin \u0111\u1ec3 c\u00f3 \u0111\u01b0\u1ee3c l\u1ee3i \u00edch c\u1ee7a vi\u1ec7c \u0111\u1ecbnh gi\u00e1 c\u00e1 nh\u00e2n h\u00f3a. <\/p>\n\n

Tuy nhi\u00ean, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m kh\u00f4ng ph\u1ea3i l\u00fac n\u00e0o c\u0169ng ph\u1ea3i \u0111\u00e0o b\u1edbi d\u1eef li\u1ec7u \u0111\u1ec3 \u0111\u01b0a ra c\u00e1ch ti\u1ebfp c\u1eadn c\u00e1 nh\u00e2n h\u00f3a. “Th\u00f4ng th\u01b0\u1eddng, manh m\u1ed1i v\u1ec1 nhu c\u1ea7u ch\u01b0a \u0111\u01b0\u1ee3c \u0111\u00e1p \u1ee9ng c\u1ee7a kh\u00e1ch h\u00e0ng \u0111\u01b0\u1ee3c \u1ea9n gi\u1ea5u ngay tr\u01b0\u1edbc m\u1eaft”, \u0111\u1ed1i t\u00e1c li\u00ean k\u1ebft c\u1ee7a McKinsey & Company Mila Adamova<\/a> v\u00e0 c\u00e1c nh\u00e0 nghi\u00ean c\u1ee9u kh\u00e1c cho bi\u1ebft. V\u00ed d\u1ee5, m\u1ed9t kh\u00e1ch h\u00e0ng g\u1ecdi \u0111i\u1ec7n \u0111\u1ec3 c\u1eadp nh\u1eadt \u0111\u1ecba ch\u1ec9 thanh to\u00e1n cho h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 c\u1ee7a h\u1ecd \u0111ang b\u00e1o hi\u1ec7u r\u1eb1ng anh \u1ea5y ho\u1eb7c c\u00f4 \u1ea5y v\u1eeba m\u1edbi chuy\u1ec3n \u0111i \u2014 v\u00e0 c\u00f3 th\u1ec3 c\u0169ng c\u1ea7n h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m cho ng\u01b0\u1eddi thu\u00ea nh\u00e0. <\/p>\n\n

C\u00c1 NH\u00c2N H\u00d3A V\u00c0 TR\u00cd TU\u1ec6 NH\u00c2N T\u1ea0O<\/h3>\n\n

Tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o \u0111ang gi\u00fap vi\u1ec7c c\u00e1 nh\u00e2n h\u00f3a tr\u1edf n\u00ean d\u1ec5 d\u00e0ng h\u01a1n \u0111\u1ed1i v\u1edbi ng\u00e0nh b\u1ea3o hi\u1ec3m v\u00e0 c\u00e1c ng\u00e0nh kh\u00e1c. Tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o c\u00f3 th\u1ec3 ph\u00e2n t\u00edch m\u1ed9t s\u1ed1 l\u01b0\u1ee3ng l\u1edbn c\u00e1c \u0111i\u1ec3m d\u1eef li\u1ec7u c\u00e1 nh\u00e2n, cho ph\u00e9p c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m cung c\u1ea5p tin nh\u1eafn \u0111\u01b0\u1ee3c \u0111i\u1ec1u ch\u1ec9nh, gi\u00e1 c\u1ea3 c\u00e1 nh\u00e2n h\u00f3a v\u00e0 t\u01b0\u01a1ng t\u00e1c tr\u1ef1c ti\u1ebfp, Yaron Ben-Zvi<\/a> , CEO c\u1ee7a Haven Life cho bi\u1ebft. <\/p>\n\n

Kimberly Harris-Ferrante<\/a> t\u1ea1i Insurance Innovation Reporter cho bi\u1ebft, \u0111\u1ec3 t\u1eadn d\u1ee5ng s\u1ee9c m\u1ea1nh c\u1ee7a tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o \u0111\u1ec3 qu\u1ea3n l\u00fd c\u00e1 nh\u00e2n h\u00f3a trong ti\u1ebfp th\u1ecb, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m s\u1ebd c\u1ea7n \u00e1p d\u1ee5ng c\u00e1c c\u00f4ng c\u1ee5 cho ph\u00e9p ph\u00e2n t\u00edch d\u1eef li\u1ec7u phi c\u1ea5u tr\u00fac nh\u01b0 tin nh\u1eafn v\u0103n b\u1ea3n, gi\u1ecdng n\u00f3i, video v\u00e0 h\u00ecnh \u1ea3nh. Nh\u1eefng c\u00f4ng c\u1ee5 n\u00e0y kh\u00f4ng ch\u1ec9 gi\u00fap th\u00fac \u0111\u1ea9y c\u00e1 nh\u00e2n h\u00f3a m\u00e0 c\u00f2n cho ph\u00e9p qu\u1ea3n l\u00fd b\u1ea3o hi\u1ec3m v\u00e0 khi\u1ebfu n\u1ea1i ch\u00ednh x\u00e1c h\u01a1n, Harris-Ferrante cho bi\u1ebft. <\/p>\n\n

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

L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 c\u00f3 \u0111\u01b0\u1ee3c c\u00e1 nh\u00e2n v\u1edbi kh\u00e1ch h\u00e0ng<\/h2>\n\n

C\u00e1c c\u00f4ng c\u1ee5 c\u00f4ng ngh\u1ec7 ng\u00e0y nay gi\u00fap vi\u1ec7c ph\u00e1t tri\u1ec3n c\u00e1c ph\u01b0\u01a1ng ph\u00e1p ti\u1ebfp c\u1eadn c\u00e1 nh\u00e2n h\u00f3a cho kh\u00e1ch h\u00e0ng b\u1ea3o hi\u1ec3m tr\u1edf n\u00ean d\u1ec5 d\u00e0ng h\u01a1n bao gi\u1edd h\u1ebft. Tuy nhi\u00ean, s\u1eed d\u1ee5ng \u0111\u00fang c\u00e1ch c\u00e1c c\u00f4ng c\u1ee5 n\u00e0y l\u00e0 r\u1ea5t quan tr\u1ecdng \u0111\u1ed1i v\u1edbi s\u1ef1 th\u00e0nh c\u00f4ng c\u1ee7a b\u1ea5t k\u1ef3 d\u1ef1 \u00e1n c\u00e1 nh\u00e2n h\u00f3a n\u00e0o. <\/p>\n\n

H\u00e3y coi AI nh\u01b0 m\u1ed9t c\u00f4ng c\u1ee5<\/h2>\n\n

Tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o v\u00e0 h\u1ecdc m\u00e1y c\u00f3 th\u1ec3 gi\u00fap c\u00e1 nh\u00e2n h\u00f3a d\u1ec5 d\u00e0ng h\u01a1n v\u00e0 c\u00e1ch t\u1ed1t nh\u1ea5t \u0111\u1ec3 t\u1eadn d\u1ee5ng ch\u00fang l\u00e0 \u00e1p d\u1ee5ng ch\u00fang v\u00e0o c\u00e1c t\u00ecnh hu\u1ed1ng ho\u1eb7c nhi\u1ec7m v\u1ee5 c\u1ee5 th\u1ec3.<\/p>\n\n

“\u0110\u1eebng ch\u1ecdn c\u00f4ng c\u1ee5 tr\u01b0\u1edbc v\u00e0 sau \u0111\u00f3 c\u1ed1 g\u1eafng t\u00ecm c\u00e1ch s\u1eed d\u1ee5ng ch\u00fang. Thay v\u00e0o \u0111\u00f3, tr\u01b0\u1edbc ti\u00ean h\u00e3y x\u00e1c \u0111\u1ecbnh c\u00e1c v\u1ea5n \u0111\u1ec1 b\u1ea1n mu\u1ed1n gi\u1ea3i quy\u1ebft, sau \u0111\u00f3 t\u00ecm ph\u1ea7n m\u1ec1m v\u00e0 gi\u1ea3i ph\u00e1p t\u1ed1t nh\u1ea5t v\u00e0 ph\u00f9 h\u1ee3p nh\u1ea5t \u0111\u1ec3 gi\u00fap cu\u1ed9c s\u1ed1ng c\u1ee7a kh\u00e1ch h\u00e0ng d\u1ec5 d\u00e0ng h\u01a1n”, Greg Kihlstrom<\/a>, ph\u00f3 ch\u1ee7 t\u1ecbch c\u1ea5p cao v\u1ec1 k\u1ef9 thu\u1eadt s\u1ed1 t\u1ea1i Yes& cho bi\u1ebft.<\/p>\n\n

Ngo\u00e0i vi\u1ec7c l\u1ef1a ch\u1ecdn \u0111\u00fang c\u00f4ng c\u1ee5, vi\u1ec7c ph\u00e2n t\u00edch \u0111\u00fang d\u1eef li\u1ec7u l\u00e0 \u0111i\u1ec1u c\u1ea7n thi\u1ebft. “C\u00e1c nh\u00e0 ti\u1ebfp th\u1ecb kh\u00f4ng c\u1ea7n nhi\u1ec1u d\u1eef li\u1ec7u h\u01a1n<\/em> , h\u1ecd ch\u1ec9 c\u1ea7n d\u1eef li\u1ec7u ph\u00f9 h\u1ee3p<\/em> . L\u1ee3i nhu\u1eadn ph\u1ee5 thu\u1ed9c v\u00e0o vi\u1ec7c l\u00e0m \u0111\u00fang”, Vance Reavie<\/a> , CEO v\u00e0 Nh\u00e0 s\u00e1ng l\u1eadp c\u1ee7a Junction AI cho bi\u1ebft. <\/p>\n\n

C\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u0169ng c\u00f3 th\u1ec3 t\u00ecm c\u00e1ch k\u1ebft h\u1ee3p AI v\u00e0o c\u00e1c c\u00f4ng c\u1ee5 hi\u1ec7n c\u00f3, ch\u1eb3ng h\u1ea1n nh\u01b0 trang web v\u00e0 n\u1ec1n t\u1ea3ng di \u0111\u1ed9ng.<\/p>\n\n

N\u1eafm l\u1ea5y thi\u1ebft b\u1ecb di \u0111\u1ed9ng<\/h2>\n\n

Kevin Reilley<\/a> , ph\u00f3 ch\u1ee7 t\u1ecbch \u0111i\u1ec1u h\u00e0nh t\u1ea1i HOVER, Inc., cho bi\u1ebft c\u00f4ng ngh\u1ec7 di \u0111\u1ed9ng gi\u00fap c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u1ea3i thi\u1ec7n ho\u1ea1t \u0111\u1ed9ng th\u1ea9m \u0111\u1ecbnh v\u00e0 x\u1eed l\u00fd khi\u1ebfu n\u1ea1i. C\u00f4ng ngh\u1ec7 n\u00e0y c\u0169ng gi\u00fap kh\u00e1ch h\u00e0ng c\u00f3 tr\u1ea3i nghi\u1ec7m li\u1ec1n m\u1ea1ch v\u00e0 c\u00e1 nh\u00e2n h\u00f3a h\u01a1n. <\/p>\n\n

Rajeswari Natarajan<\/a> t\u1ea1i Mindtree cho bi\u1ebft c\u00e1c n\u1ec1n t\u1ea3ng di \u0111\u1ed9ng k\u1ebft h\u1ee3p c\u00e1c c\u00f4ng c\u1ee5 nh\u01b0 chatbot c\u00f3 th\u1ec3 gi\u00fap kh\u00e1ch h\u00e0ng nh\u1eadn \u0111\u01b0\u1ee3c l\u1eddi khuy\u00ean ph\u00f9 h\u1ee3p v\u1edbi t\u1eebng c\u00e1 nh\u00e2n. Chatbot ng\u00e0y c\u00e0ng c\u00f3 kh\u1ea3 n\u0103ng x\u1eed l\u00fd nhi\u1ec1u lo\u1ea1i truy v\u1ea5n kh\u00e1c nhau v\u00e0 c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c l\u1eadp tr\u00ecnh \u0111\u1ec3 x\u00e1c \u0111\u1ecbnh th\u1eddi \u0111i\u1ec3m c\u1ea7n nh\u00e2n vi\u00ean con ng\u01b0\u1eddi v\u00e0o cu\u1ed9c. <\/p>\n\n

Ngay c\u1ea3 c\u00e1c n\u1ec1n t\u1ea3ng di \u0111\u1ed9ng kh\u00f4ng t\u00edch h\u1ee3p AI ho\u1eb7c c\u00e1c c\u00f4ng c\u1ee5 kh\u00e1c \u0111\u1ec3 t\u0103ng c\u01b0\u1eddng t\u00ednh c\u00e1 nh\u00e2n h\u00f3a c\u0169ng c\u00f3 th\u1ec3 mang l\u1ea1i c\u1ea3m gi\u00e1c th\u00e2n m\u1eadt. Khi kh\u00e1ch h\u00e0ng c\u00f3 th\u1ec3 d\u1ec5 d\u00e0ng k\u1ebft n\u1ed1i v\u1edbi c\u00f4ng ty b\u1ea3o hi\u1ec3m P&C c\u1ee7a m\u00ecnh qua thi\u1ebft b\u1ecb di \u0111\u1ed9ng, h\u1ecd s\u1ebd tr\u1ea3i nghi\u1ec7m \u0111\u01b0\u1ee3c m\u1ed1i quan h\u1ec7 gi\u1eefa c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u00e0 kh\u00e1ch h\u00e0ng trong ch\u00ednh m\u00f4i tr\u01b0\u1eddng quen thu\u1ed9c c\u1ee7a m\u00ecnh: t\u1ea1i nh\u00e0, tr\u00ean \u00f4 t\u00f4 ho\u1eb7c t\u1ea1i n\u01a1i l\u00e0m vi\u1ec7c. Giao ti\u1ebfp kh\u00f4ng li\u00ean quan \u0111\u1ebfn vi\u1ec7c g\u1ecdi m\u1ed9t gi\u00e1m \u0111\u1ecbnh vi\u00ean \u0111\u1ebfn m\u1ed9t v\u0103n ph\u00f2ng \u1edf m\u1ed9t \u0111\u1ecba \u0111i\u1ec3m xa x\u00f4i n\u00e0o \u0111\u00f3. Thay v\u00e0o \u0111\u00f3, n\u00f3 li\u00ean quan \u0111\u1ebfn vi\u1ec7c s\u1eed d\u1ee5ng \u0111i\u1ec7n tho\u1ea1i c\u1ee7a ch\u00ednh m\u00ecnh trong s\u1ef1 tho\u1ea3i m\u00e1i t\u1ea1i kh\u00f4ng gian ri\u00eang t\u01b0.<\/p>\n\n

S\u1eed d\u1ee5ng c\u00e1c c\u00f4ng c\u1ee5 hi\u1ec7n c\u00f3<\/h2>\n\n

C\u00e1 nh\u00e2n h\u00f3a tr\u00ean trang web ho\u1eb7c trong email c\u00f3 th\u1ec3 gi\u00fap c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m t\u1eadn d\u1ee5ng c\u00e1c c\u00f4ng c\u1ee5 m\u00e0 h\u1ecd \u0111\u00e3 s\u1eed d\u1ee5ng \u0111\u1ec3 ti\u1ebfp c\u1eadn kh\u00e1ch h\u00e0ng theo c\u00e1ch c\u00e1 nh\u00e2n h\u00f3a h\u01a1n. B\u1eb1ng c\u00e1ch \u0111\u00e0o s\u00e2u h\u01a1n th\u00f4ng tin nh\u00e2n kh\u1ea9u h\u1ecdc r\u1ed9ng, c\u00e1c c\u00f4ng ty c\u00f3 th\u1ec3 s\u1eed d\u1ee5ng email \u0111\u01b0\u1ee3c c\u00e1 nh\u00e2n h\u00f3a \u0111\u1ec3 cung c\u1ea5p c\u00e1c s\u1ea3n ph\u1ea9m v\u00e0 d\u1ecbch v\u1ee5 c\u00f3 m\u1ee5c ti\u00eau h\u01a1n, Marinko Josipovic<\/a> t\u1ea1i Covideo cho bi\u1ebft. <\/p>\n\n

\u0110\u1ed1i v\u1edbi c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m P&C, email \u0111\u01b0\u1ee3c c\u00e1 nh\u00e2n h\u00f3a c\u00f3 th\u1ec3 c\u00f3 ngh\u0129a l\u00e0 cung c\u1ea5p c\u00e1c t\u00ednh n\u0103ng nh\u01b0 thi\u1ebft b\u1ecb nh\u00e0 th\u00f4ng minh, ph\u1ea1m vi b\u1ea3o hi\u1ec3m theo y\u00eau c\u1ea7u ho\u1eb7c m\u1eb9o \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o giao d\u1ecbch mua nh\u00e0 ho\u1eb7c \u00f4 t\u00f4. Nh\u1eefng th\u00f4ng tin truy\u1ec1n th\u00f4ng n\u00e0y c\u00e0ng c\u00f3 m\u1ee5c ti\u00eau r\u00f5 r\u00e0ng th\u00ec kh\u1ea3 n\u0103ng kh\u00e1ch h\u00e0ng s\u1eed d\u1ee5ng ch\u00fang \u0111\u1ec3 c\u1ee7ng c\u1ed1 m\u1ed1i quan h\u1ec7 hi\u1ec7n t\u1ea1i v\u1edbi c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u1ee7a h\u1ecd c\u00e0ng cao.<\/p>\n\n

L\u00e0m cho s\u1ee9 m\u1ec7nh c\u1ee7a c\u00f4ng ty b\u1ea1n tr\u1edf n\u00ean c\u00e1 nh\u00e2n<\/h2>\n\n

C\u1ea3m gi\u00e1c c\u00e1 nh\u00e2n c\u1ee7a kh\u00e1ch h\u00e0ng c\u0169ng ph\u00e1t tri\u1ec3n th\u00f4ng qua c\u00e1ch ti\u1ebfp c\u1eadn c\u1ee7a c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u1ed1i v\u1edbi c\u00e1c v\u1ea5n \u0111\u1ec1 x\u00e3 h\u1ed9i quan tr\u1ecdng. Michelle Peel,<\/a> gi\u00e1m \u0111\u1ed1c ti\u1ebfp th\u1ecb v\u00e0 truy\u1ec1n th\u00f4ng c\u1ee7a IWCO, m\u00f4 t\u1ea3 v\u1ec1 t\u00e0i tr\u1ee3 t\u00edn th\u00e1c, t\u1ee9c l\u00e0 khi c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m s\u1eed d\u1ee5ng t\u00ednh minh b\u1ea1ch v\u00e0 s\u1ef1 \u1ee7ng h\u1ed9 nh\u01b0 m\u1ed9t chi\u1ebfn l\u01b0\u1ee3c x\u00e2y d\u1ef1ng th\u01b0\u01a1ng hi\u1ec7u. <\/p>\n\n

V\u00ed d\u1ee5, Peel n\u00f3i, c\u00f4ng ty kh\u1edfi nghi\u1ec7p insurtech Lemonade s\u1eed d\u1ee5ng ch\u01b0\u01a1ng tr\u00ecnh t\u1eb7ng l\u1ea1i t\u1eeb thi\u1ec7n c\u1ee7a m\u00ecnh \u0111\u1ec3 x\u00e2y d\u1ef1ng c\u1ea3m gi\u00e1c \u0111\u00e1ng tin c\u1eady v\u1edbi kh\u00e1ch h\u00e0ng – v\u00e0 l\u1ef1a ch\u1ecdn cho ph\u00e9p kh\u00e1ch h\u00e0ng ch\u1ecdn t\u1ed5 ch\u1ee9c t\u1eeb thi\u1ec7n y\u00eau th\u00edch c\u1ee7a h\u1ecd gi\u00fap kh\u00e1ch h\u00e0ng c\u1ea3m th\u1ea5y g\u1eafn b\u00f3 h\u01a1n v\u1edbi c\u00f4ng ty v\u00e0 c\u00f4ng vi\u1ec7c c\u1ee7a c\u00f4ng ty.<\/p>\n\n

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

C\u00e2n b\u1eb1ng gi\u1eefa c\u00e1 nh\u00e2n h\u00f3a v\u00e0 quy\u1ec1n ri\u00eang t\u01b0<\/h2>\n\n

Trong s\u1ed1 nh\u1eefng kh\u00e1ch h\u00e0ng ng\u1ea7n ng\u1ea1i cung c\u1ea5p d\u1eef li\u1ec7u c\u00e1 nh\u00e2n cho c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u1ee7a h\u1ecd, b\u1ea3o m\u1eadt d\u1eef li\u1ec7u v\u00e0 quy\u1ec1n ri\u00eang t\u01b0 v\u1eabn l\u00e0 m\u1ed1i quan t\u00e2m h\u00e0ng \u0111\u1ea7u. Nh\u1eefng ng\u01b0\u1eddi s\u1eb5n s\u00e0ng chia s\u1ebb d\u1eef li\u1ec7u c\u1ee7a h\u1ecd c\u0169ng mu\u1ed1n bi\u1ebft d\u1eef li\u1ec7u \u0111\u00f3 c\u00f3 an to\u00e0n kh\u00f4ng. <\/p>\n\n

Khi kh\u00e1ch h\u00e0ng mu\u1ed1n chia s\u1ebb nh\u01b0ng h\u1ecd c\u0169ng mu\u1ed1n gi\u1eef ri\u00eang t\u01b0, l\u00e0m th\u1ebf n\u00e0o c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 \u0111i tr\u00ean ranh gi\u1edbi gi\u1eefa c\u00e1 nh\u00e2n h\u00f3a v\u00e0 quy\u1ec1n ri\u00eang t\u01b0?<\/p>\n\n

“Trong th\u1eddi \u0111\u1ea1i c\u1ee7a kh\u00e1ch h\u00e0ng, m\u1eb7c \u0111\u1ecbnh l\u00e0 quy\u1ec1n ri\u00eang t\u01b0. Cung c\u1ea5p cho kh\u00e1ch h\u00e0ng c\u1ee7a b\u1ea1n t\u00f9y ch\u1ecdn \u0111\u1ec3 xem ch\u00ednh x\u00e1c nh\u1eefng g\u00ec h\u1ecd \u0111ang chia s\u1ebb v\u1edbi b\u1ea1n v\u00e0 cho h\u1ecd th\u1ea5y vi\u1ec7c chia s\u1ebb d\u1eef li\u1ec7u c\u1ee7a h\u1ecd s\u1ebd mang l\u1ea1i l\u1ee3i \u00edch tr\u1ef1c ti\u1ebfp cho h\u1ecd nh\u01b0 th\u1ebf n\u00e0o, “Ian Jacobs<\/a>, nh\u00e0 ph\u00e2n t\u00edch ch\u00ednh t\u1ea1i Forrester n\u00f3i.<\/p>\n\n

Tuy nhi\u00ean, tr\u01b0\u1edbc khi c\u00f4ng b\u1ed1 nh\u1eefng c\u00e1ch th\u1ee9c chia s\u1ebb th\u00f4ng tin c\u00f3 l\u1ee3i cho kh\u00e1ch h\u00e0ng c\u1ee7a b\u1ea1n, h\u00e3y \u0111\u1ea3m b\u1ea3o r\u1eb1ng c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u1ee7a b\u1ea1n c\u00f3 nh\u1eefng g\u00ec c\u1ea7n thi\u1ebft \u0111\u1ec3 b\u1ea3o v\u1ec7 d\u1eef li\u1ec7u \u0111\u00f3. Kevin Quiring<\/a> , gi\u00e1m \u0111\u1ed1c \u0111i\u1ec1u h\u00e0nh t\u1ea1i Accenture Strategy, cho bi\u1ebft: “\u0110i\u1ec1u quan tr\u1ecdng l\u00e0 c\u00e1c c\u00f4ng ty ph\u1ea3i c\u00f3 c\u00e1c bi\u1ec7n ph\u00e1p b\u1ea3o m\u1eadt d\u1eef li\u1ec7u v\u00e0 quy\u1ec1n ri\u00eang t\u01b0 m\u1ea1nh m\u1ebd”. K\u1ebft h\u1ee3p c\u00e1c c\u00f4ng c\u1ee5 minh b\u1ea1ch v\u00e0 kh\u1ea3 n\u0103ng cho ph\u00e9p kh\u00e1ch h\u00e0ng truy c\u1eadp v\u00e0 qu\u1ea3n l\u00fd d\u1eef li\u1ec7u c\u1ee7a ri\u00eang h\u1ecd. <\/p>\n\n

Cu\u1ed1i c\u00f9ng, \u0111\u1eebng v\u01b0\u1ee3t qu\u00e1 gi\u1edbi h\u1ea1n, Vince Jeffs<\/a> n\u00f3i. Nh\u1eefng th\u00f4ng tin li\u00ean l\u1ea1c qu\u00e1 ri\u00eang t\u01b0 ho\u1eb7c ch\u00ednh x\u00e1c v\u1ec1 th\u00f4ng tin m\u00e0 kh\u00e1ch h\u00e0ng kh\u00f4ng bao gi\u1edd chia s\u1ebb c\u00f3 th\u1ec3 khi\u1ebfn kh\u00e1ch h\u00e0ng c\u1ea3m th\u1ea5y nh\u01b0 h\u1ecd \u0111ang b\u1ecb theo d\u00f5i h\u01a1n l\u00e0 \u0111\u01b0\u1ee3c gi\u00fap \u0111\u1ee1. Th\u00f4ng tin c\u00f3 m\u1ee5c ti\u00eau \u0111\u01b0\u1ee3c \u0111\u00f3ng khung theo kh\u00eda c\u1ea1nh li\u00ean quan \u0111\u1ebfn b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 gi\u1ed1ng nh\u01b0 s\u1ef1 h\u1ed7 tr\u1ee3 h\u01a1n l\u00e0 s\u1ef1 t\u1ecdc m\u1ea1ch. <\/p>\n\n

Khi kh\u00e1ch h\u00e0ng c\u00f3 quy\u1ec1n ki\u1ec3m so\u00e1t v\u00e0 hi\u1ec3u c\u00e1ch th\u00f4ng tin c\u1ee7a h\u1ecd \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng, h\u1ecd c\u00f3 nhi\u1ec1u kh\u1ea3 n\u0103ng tin t\u01b0\u1edfng v\u00e0o quy tr\u00ecnh v\u00e0 ti\u1ebfp th\u1ecb, ch\u00ednh s\u00e1ch v\u00e0 truy\u1ec1n th\u00f4ng \u0111\u01b0\u1ee3c c\u00e1 nh\u00e2n h\u00f3a. Truy\u1ec1n th\u00f4ng \u0111\u01b0\u1ee3c c\u00e1 nh\u00e2n h\u00f3a c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c \u0111i\u1ec1u ch\u1ec9nh \u1edf c\u1ea5p \u0111\u1ed9 c\u00e1 nh\u00e2n h\u01a1n, thu h\u00fat kh\u00e1ch h\u00e0ng v\u00e0 x\u00e2y d\u1ef1ng m\u1ed1i quan h\u1ec7 ch\u1eb7t ch\u1ebd gi\u1eefa c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u00e0 ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m. <\/p>\n\n

H\u00ecnh \u1ea3nh: Kurhan\/\u00a9123RF.com, ximagination\/\u00a9123RF.com, Tero Vesalainen\/\u00a9123RF.com<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

C\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m t\u00e0i s\u1ea3n v\u00e0 th\u01b0\u01a1ng vong \u0111ang ph\u1ea3i v\u1eadt l\u1ed9n v\u1edbi c\u00e1c khi\u1ebfu n\u1ea1i ng\u00e0y c\u00e0ng t\u0103ng v\u00e0 c\u00f9ng l\u00fac \u0111\u00f3, kh\u00e1ch h\u00e0ng \u0111ang h\u1ee7y b\u1ecf ph\u1ea1m vi b\u1ea3o hi\u1ec3m c\u1ee7a h\u1ecd. Trong khi \u0111\u00f3, s\u1ef1 h\u00e0i l\u00f2ng c\u1ee7a kh\u00e1ch h\u00e0ng v\u1edbi vi\u1ec7c mua b\u1ea3o hi\u1ec3m \u0111ang \u1edf m\u1ee9c th\u1ea5p nh\u1ea5t […]<\/p>\n","protected":false},"featured_media":5538,"template":"","insight-category":[],"class_list":["post-21302","insight","type-insight","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight\/21302","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\/5538"}],"wp:attachment":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/media?parent=21302"}],"wp:term":[{"taxonomy":"insight-category","embeddable":true,"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight-category?post=21302"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}