{"id":21360,"date":"2024-09-30T14:45:51","date_gmt":"2024-09-30T19:45:51","guid":{"rendered":"https:\/\/bolttech.io\/insights\/lam-the-nao-pc-carriers-co-the-day-nhanh-chu-ky-phat-trien-san-pham-cua-ho\/"},"modified":"2024-11-06T17:32:50","modified_gmt":"2024-11-06T22:32:50","slug":"lam-the-nao-pc-carriers-co-the-day-nhanh-chu-ky-phat-trien-san-pham-cua-ho","status":"publish","type":"insight","link":"https:\/\/bolttech.io\/vi\/insights\/lam-the-nao-pc-carriers-co-the-day-nhanh-chu-ky-phat-trien-san-pham-cua-ho\/","title":{"rendered":"L\u00e0m th\u1ebf n\u00e0o P&C Carriers c\u00f3 th\u1ec3 \u0111\u1ea9y nhanh chu k\u1ef3 ph\u00e1t tri\u1ec3n s\u1ea3n ph\u1ea9m c\u1ee7a h\u1ecd?"},"content":{"rendered":"\n

Chu k\u1ef3 ph\u00e1t tri\u1ec3n s\u1ea3n ph\u1ea9m truy\u1ec1n th\u1ed1ng trong b\u1ea3o hi\u1ec3m t\u00e0i s\u1ea3n v\u00e0 th\u01b0\u01a1ng vong di\u1ec5n ra ch\u1eadm nh\u01b0 r\u00f9a b\u00f2. C\u00e1c b\u1ea3n th\u1ea3o, ph\u00ea duy\u1ec7t, s\u1eeda \u0111\u1ed5i, x\u00e1c minh c\u00e1c chi ti\u1ebft ch\u00ednh v\u00e0 c\u00e1c b\u01b0\u1edbc kh\u00e1c m\u1ea5t nhi\u1ec1u th\u00e1ng gi\u1eefa th\u1eddi \u0111i\u1ec3m h\u00ecnh th\u00e0nh s\u1ea3n ph\u1ea9m m\u1edbi v\u00e0 ng\u00e0y s\u1ea3n ph\u1ea9m \u0111\u00f3 c\u00f3 s\u1eb5n cho kh\u00e1ch h\u00e0ng. <\/p>\n\n

Khi c\u00f4ng ngh\u1ec7 \u0111\u1ea9y nhanh nh\u1ecbp s\u1ed1ng th\u01b0\u1eddng ng\u00e0y v\u00e0 kinh doanh, chu k\u1ef3 ph\u00e1t tri\u1ec3n s\u1ea3n ph\u1ea9m truy\u1ec1n th\u1ed1ng ti\u1ebfp t\u1ee5c c\u1ea3n tr\u1edf hi\u1ec7u qu\u1ea3 v\u00e0 l\u1ee3i nhu\u1eadn c\u1ee7a c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m P&C. \u1ede \u0111\u00e2y, ch\u00fang t\u00f4i th\u1ea3o lu\u1eadn v\u1ec1 m\u1ed9t s\u1ed1 \u0111i\u1ec3m kh\u00f3 kh\u0103n nh\u1ea5t trong chu tr\u00ecnh ph\u00e1t tri\u1ec3n s\u1ea3n ph\u1ea9m v\u00e0 c\u00e1ch t\u0103ng t\u1ed1c \u0111\u1ed9 m\u00e0 kh\u00f4ng l\u00e0m gi\u1ea3m ch\u1ea5t l\u01b0\u1ee3ng.<\/p>\n\n

Chu k\u1ef3 ch\u1eadm l\u1ea1i s\u1ed1 1: Quy tr\u00ecnh l\u1ed7i th\u1eddi<\/h4>\n\n

Trong v\u00e0i th\u1eadp k\u1ef7 cu\u1ed1i c\u1ee7a th\u1ebf k\u1ef7 20 v\u00e0 sang th\u1ebf k\u1ef7 21, vi\u1ec7c \u0111\u1ea9y nhanh chu k\u1ef3 ph\u00e1t tri\u1ec3n s\u1ea3n ph\u1ea9m kh\u00f4ng n\u1eb1m trong danh s\u00e1ch vi\u1ec7c c\u1ea7n l\u00e0m c\u1ee7a h\u1ea7u h\u1ebft c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m P&C, Debbie Marquette<\/a> \u0111\u00e3 vi\u1ebft trong \u1ea5n b\u1ea3n n\u0103m 2008 c\u1ee7a T\u1ea1p ch\u00ed Ho\u1ea1t \u0111\u1ed9ng B\u1ea3o hi\u1ec3m. Vi\u1ec7c s\u1eed d\u1ee5ng c\u00e1c t\u00f9y ch\u1ecdn fax v\u00e0 th\u01b0 v\u1eadt l\u00fd c\u1ee7a th\u1eddi \u0111i\u1ec3m \u0111\u00f3 \u0111\u00e3 theo k\u1ecbp ph\u01b0\u01a1ng ph\u00e1p ti\u1ebfp c\u1eadn khi c\u1ea7n thi\u1ebft \u0111\u1ed1i v\u1edbi ph\u00e1t tri\u1ec3n s\u1ea3n ph\u1ea9m. <\/p>\n\n

Marquette l\u01b0u \u00fd r\u1eb1ng trong nh\u1eefng th\u1eadp k\u1ef7 tr\u01b0\u1edbc, qu\u00e1 tr\u00ecnh ph\u00e1t tri\u1ec3n s\u1ea3n ph\u1ea9m kh\u00f4ng ch\u1ec9 li\u00ean quan \u0111\u1ebfn m\u1ed9t nh\u00f3m m\u00e0 c\u00f2n th\u01b0\u1eddng li\u00ean quan \u0111\u1ebfn c\u00e1c cu\u1ed9c h\u1ecdp tr\u1ef1c ti\u1ebfp. Marquette vi\u1ebft r\u1eb1ng “Th\u1eadt kh\u00f3 \u0111\u1ec3 t\u1eadp h\u1ee3p t\u1ea5t c\u1ea3 c\u00e1c b\u00ean li\u00ean quan \u0111\u1ec3 xem x\u00e9t to\u00e0n di\u1ec7n s\u1ea3n ph\u1ea9m tr\u01b0\u1edbc khi n\u1ed9p \u0111\u01a1n”, “v\u00e0 do \u0111\u00f3, \u0111\u00f4i khi kh\u00f4ng c\u00f3 \u00fd ki\u1ebfn \u0111\u00f3ng g\u00f3p t\u1eeb m\u1ed9t b\u00ean quan tr\u1ecdng, d\u1eabn \u0111\u1ebfn nh\u1eefng sai l\u1ea7m t\u1ed1n k\u00e9m, ph\u00ed n\u1ed9p l\u1ea1i \u0111\u01a1n v\u00e0 s\u1ef1 ch\u1eadm tr\u1ec5 trong vi\u1ec7c \u0111\u01b0a c\u00e1c s\u1ea3n ph\u1ea9m quan tr\u1ecdng ra th\u1ecb tr\u01b0\u1eddng tr\u01b0\u1edbc \u0111\u1ed1i th\u1ee7 c\u1ea1nh tranh”. <\/p>\n\n

V\u00e0o nh\u1eefng n\u0103m 1990, Hi\u1ec7p h\u1ed9i \u1ee6y vi\u00ean B\u1ea3o hi\u1ec3m Qu\u1ed1c gia (NAIC) nh\u1eadn ra r\u1eb1ng s\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a m\u00e1y t\u00ednh \u0111\u00f2i h\u1ecfi ph\u1ea3i thay \u0111\u1ed5i c\u00e1ch th\u1ee9c n\u1ed9p v\u00e0 theo d\u00f5i c\u00e1c s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m m\u1edbi ph\u00e1t tri\u1ec3n. K\u1ebft qu\u1ea3 l\u00e0 H\u1ec7 th\u1ed1ng N\u1ed9p Bi\u1ec3u m\u1eabu v\u00e0 T\u1ef7 l\u1ec7 \u0110i\u1ec7n t\u1eed<\/a> (SERFF). <\/p>\n\n

Vi\u1ec7c s\u1eed d\u1ee5ng SERFF t\u0103ng \u0111\u1ec1u \u0111\u1eb7n sau khi \u0111\u01b0\u1ee3c gi\u1edbi thi\u1ec7u v\u00e0o n\u0103m 1998 v\u00e0 vi\u1ec7c s\u1eed d\u1ee5ng h\u1ec7 th\u1ed1ng n\u00e0y \u0111\u00e3 t\u0103ng g\u1ea5p \u0111\u00f4i ch\u1ec9 t\u1eeb n\u0103m 2003 \u0111\u1ebfn n\u0103m 2004, theo b\u00e1o c\u00e1o n\u0103m 2004 c\u1ee7a Insurance Journal<\/a> . Tuy nhi\u00ean, \u0111\u1ebfn n\u0103m 2009, vi\u1ec7c SERFF kh\u00f4ng c\u00f3 kh\u1ea3 n\u0103ng t\u1ef1 \u0111\u1ed9ng h\u00f3a ho\u00e0n to\u00e0n \u0111\u00e3 khi\u1ebfn m\u1ed9t s\u1ed1 nh\u00e0 b\u00ecnh lu\u1eadn, bao g\u1ed3m c\u1ea3 Eli Lehrer<\/a> , \u0111\u1eb7t c\u00e2u h\u1ecfi li\u1ec7u h\u1ec7 th\u1ed1ng n\u00e0y c\u00f3 c\u1ea7n \u0111\u01b0\u1ee3c c\u1eadp nh\u1eadt, \u0111\u1ea1i tu hay thay th\u1ebf ho\u00e0n to\u00e0n hay kh\u00f4ng. <\/p>\n\n

C\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m t\u00e0i s\u1ea3n v\u00e0 th\u01b0\u01a1ng vong \u0111\u00e3 th\u00edch nghi v\u1edbi SERFF v\u00e0 s\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a c\u00e1c c\u00f4ng c\u1ee5 c\u00f4ng ngh\u1ec7 kh\u00e1c nh\u01b0 m\u00e1y t\u00ednh c\u00e1 nh\u00e2n, tr\u00ecnh x\u1eed l\u00fd v\u0103n b\u1ea3n v\u00e0 b\u1ea3ng t\u00ednh. Tuy nhi\u00ean, qu\u00e1 tr\u00ecnh th\u00edch nghi di\u1ec5n ra ch\u1eadm. Ng\u00e0y nay, nhi\u1ec1u c\u00f4ng ty b\u1ea3o hi\u1ec3m P&C v\u1eabn \u0111ang m\u1eafc k\u1eb9t trong giai \u0111o\u1ea1n l\u1eadp t\u00e0i li\u1ec7u v\u00e0 b\u1ea3ng t\u00ednh c\u1ee7a qu\u00e1 tr\u00ecnh ph\u00e1t tri\u1ec3n s\u1ea3n ph\u1ea9m, y\u00eau c\u1ea7u c\u00e1c th\u00e0nh vi\u00ean trong nh\u00f3m ph\u00e1t tri\u1ec3n s\u1ea3n ph\u1ea9m ph\u1ea3i xem x\u00e9t b\u1ea3n th\u1ea3o th\u1ee7 c\u00f4ng v\u00e0 d\u1ef1a v\u00e0o s\u1ef1 ch\u00fa \u00fd c\u1ee7a con ng\u01b0\u1eddi \u0111\u1ebfn t\u1eebng chi ti\u1ebft \u0111\u1ec3 ph\u00e1t hi\u1ec7n nh\u1eefng thay \u0111\u1ed5i nh\u1ecf nh\u01b0ng c\u1ea7n thi\u1ebft.<\/p>\n\n

K\u1ebft qu\u1ea3 l\u00e0 g\u00ec? M\u1ed9t quy tr\u00ecnh ph\u00e1t tri\u1ec3n s\u1ea3n ph\u1ea9m tr\u00f4ng r\u1ea5t gi\u1ed1ng v\u1edbi quy tr\u00ecnh c\u1ee7a nh\u1eefng n\u0103m 1980. C\u00e1c b\u1ea3n th\u1ea3o v\u00e0 nghi\u00ean c\u1ee9u \u0111\u00e3 chuy\u1ec3n t\u1eeb gi\u1ea5y sang m\u00e0n h\u00ecnh, nh\u01b0ng c\u00e1c nh\u00f3m v\u1eabn ph\u1ea3i h\u1ecdp tr\u1ef1c ti\u1ebfp ho\u1eb7c tr\u1ef1c tuy\u1ebfn, so s\u00e1nh c\u00e1c b\u1ea3n th\u1ea3o b\u1eb1ng tay v\u00e0 \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh \u2014 v\u00e0 nhu c\u1ea7u \u0111\u1ea3m b\u1ea3o kh\u00f4ng b\u1ecf s\u00f3t b\u1ea5t k\u1ef3 chi ti\u1ebft quan tr\u1ecdng n\u00e0o khi\u1ebfn quy tr\u00ecnh ph\u00e1t tri\u1ec3n s\u1ea3n ph\u1ea9m ch\u1eadm l\u1ea1i. <\/p>\n\n

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

51618041 \u2013 k\u1ebft qu\u1ea3 v\u00e0 l\u00e0m vi\u1ec7c nh\u00f3m. g\u00f3c nh\u00ecn t\u1eeb tr\u00ean xu\u1ed1ng c\u1ee7a nh\u00f3m s\u00e1u ng\u01b0\u1eddi \u0111ang th\u1ea3o lu\u1eadn \u0111i\u1ec1u g\u00ec \u0111\u00f3 trong khi ng\u1ed3i \u1edf b\u00e0n l\u00e0m vi\u1ec7c <\/p>\n\n

Gi\u1ea3i ph\u00e1p chu tr\u00ecnh s\u1ed1 1: H\u1ec7 th\u1ed1ng t\u1ed1t h\u01a1n<\/h4>\n\n

C\u00f4ng ngh\u1ec7 n\u00e0y t\u1ed3n t\u1ea1i \u0111\u1ec3 gi\u1ea3m th\u1eddi gian d\u00e0nh cho qu\u00e1 tr\u00ecnh ph\u00e1t tri\u1ec3n. Tuy nhi\u00ean, cho \u0111\u1ebfn nay, nhi\u1ec1u c\u00f4ng ty b\u1ea3o hi\u1ec3m P&C v\u1eabn ch\u1eadm \u00e1p d\u1ee5ng. <\/p>\n\n

H\u1ec7 th\u1ed1ng qu\u1ea3n l\u00fd s\u1ea3n ph\u1ea9m \u0111i\u1ec7n t\u1eed h\u1ee3p l\u00fd h\u00f3a quy tr\u00ecnh ph\u00e1t tri\u1ec3n s\u1ea3n ph\u1ea9m. C\u00e1ch th\u1ee9c \u201cm\u1edbi-c\u0169\u201d s\u1eed d\u1ee5ng email, b\u1ea3ng t\u00ednh v\u00e0 PDF v\u1eabn duy tr\u00ec nh\u1eefng b\u1ee9c t\u01b0\u1eddng v\u00e0 kh\u00f3 kh\u0103n gi\u00e1m s\u00e1t nh\u01b0 c\u00e1ch th\u1ee9c \u201cc\u0169-c\u0169\u201d c\u1ee7a c\u00e1c cu\u1ed9c h\u1ecdp tr\u1ef1c ti\u1ebfp v\u00e0 th\u01b0 \u1ed1c s\u00ean. <\/p>\n\n

Tuy nhi\u00ean, trong m\u1ed9t h\u1ec7 th\u1ed1ng \u0111\u01b0\u1ee3c thi\u1ebft k\u1ebf \u0111\u1ec3 ph\u00e1t tri\u1ec3n s\u1ea3n ph\u1ea9m, th\u00f4ng tin \u0111\u01b0\u1ee3c l\u01b0u gi\u1eef \u1edf m\u1ed9t v\u1ecb tr\u00ed duy nh\u1ea5t, c\u00e1c thu\u1eadt to\u00e1n t\u1ef1 \u0111\u1ed9ng c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng \u0111\u1ec3 qu\u00e9t s\u1ef1 kh\u00e1c bi\u1ec7t nh\u1ecf v\u00e0 theo d\u00f5i c\u00e1c thay \u0111\u1ed5i, \u0111\u1ed3ng th\u1eddi theo d\u00f5i v\u00e0 c\u1ea3nh b\u00e1o gi\u00fap m\u1ecdi ng\u01b0\u1eddi \u0111\u00fang ti\u1ebfn \u0111\u1ed9.<\/p>\n\n

B\u1eb1ng c\u00e1ch lo\u1ea1i b\u1ecf c\u00e1c r\u00e0o c\u1ea3n, c\u00e1c h\u1ec7 th\u1ed1ng n\u00e0y gi\u1ea3m th\u1eddi gian c\u1ea7n thi\u1ebft \u0111\u1ec3 t\u1ea1o ra m\u1ed9t s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m P&C m\u1edbi. Ch\u00fang c\u0169ng gi\u00fap gi\u1ea3m l\u1ed7i v\u00e0 ti\u1ebft ki\u1ec7m b\u0103ng th\u00f4ng tinh th\u1ea7n cho c\u00e1c th\u00e0nh vi\u00ean trong nh\u00f3m, cho ph\u00e9p h\u1ecd t\u1eadp trung v\u00e0o c\u00e1c chi ti\u1ebft n\u1ed5i b\u1eadt c\u1ee7a s\u1ea3n ph\u1ea9m thay v\u00ec theo d\u00f5i l\u1ecbch tr\u00ecnh v\u00e0 gi\u1ea5y t\u1edd c\u1ee7a ri\u00eang h\u1ecd. <\/p>\n\n

Chu k\u1ef3 ch\u1eadm l\u1ea1i s\u1ed1 2: S\u1ef1 kh\u00e1c bi\u1ec7t v\u00e0 t\u00ednh \u0111\u1eb7c hi\u1ec7u<\/h4>\n\n

Ng\u00e0y x\u1eeda ng\u00e0y x\u01b0a, c\u00e1c s\u1ea3n ph\u1ea9m c\u1ee7a c\u00f4ng ty b\u1ea3o hi\u1ec3m P&C c\u1ea1nh tranh ch\u1ee7 y\u1ebfu v\u1ec1 gi\u00e1. Do \u0111\u00f3, kh\u00f4ng c\u1ea7n ph\u1ea3i ph\u00e2n bi\u1ec7t s\u1ea3n ph\u1ea9m v\u1edbi c\u00e1c s\u1ea3n ph\u1ea9m kh\u00e1c do c\u00f9ng m\u1ed9t c\u00f4ng ty b\u1ea3o hi\u1ec3m b\u00e1n ho\u1eb7c v\u1edbi c\u00e1c s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m t\u01b0\u01a1ng t\u1ef1 do c\u00e1c \u0111\u1ed1i th\u1ee7 c\u1ea1nh tranh b\u00e1n. Trong qu\u00e1 tr\u00ecnh ph\u00e1t tri\u1ec3n s\u1ea3n ph\u1ea9m, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u00e3 \u0111\u1ec3 s\u1ef1 kh\u00e1c bi\u1ec7t \u0111\u1ee9ng sau c\u00e1c v\u1ea5n \u0111\u1ec1 kh\u00e1c. <\/p>\n\n

Cognizant<\/a> l\u01b0u \u00fd trong m\u1ed9t s\u00e1ch tr\u1eafng g\u1ea7n \u0111\u00e2y: “Tr\u01b0\u1edbc gi\u1eefa nh\u1eefng n\u0103m 1990, c\u00e1c nh\u00e0 ph\u00e2n ph\u1ed1i b\u1ea3o hi\u1ec3m n\u1eafm gi\u1eef h\u1ea7u h\u1ebft ki\u1ebfn th\u1ee9c v\u1ec1 c\u00e1c s\u1ea3n ph\u1ea9m, gi\u00e1 c\u1ea3 v\u00e0 quy tr\u00ecnh b\u1ea3o hi\u1ec3m – y\u00eau c\u1ea7u kh\u00e1ch h\u00e0ng ph\u1ea3i c\u00f3 s\u1ef1 h\u1ed7 tr\u1ee3 c\u1ee7a trung gian.”<\/p>\n\n

Tuy nhi\u00ean, ng\u00e0y nay, kh\u00e1ch h\u00e0ng hi\u1ec3u bi\u1ebft h\u01a1n bao gi\u1edd h\u1ebft. H\u1ecd c\u0169ng c\u00f3 kh\u1ea3 n\u0103ng so s\u00e1nh c\u00e1c s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m P&C d\u1ef1a tr\u00ean nhi\u1ec1u y\u1ebfu t\u1ed1 h\u01a1n bao gi\u1edd h\u1ebft, kh\u00f4ng ch\u1ec9 d\u1ef1a tr\u00ean gi\u00e1 c\u1ea3. \u0110i\u1ec1u \u0111\u00f3 c\u00f3 ngh\u0129a l\u00e0 c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m hi\u1ec7n \u0111ang t\u1eadp trung v\u00e0o s\u1ef1 kh\u00e1c bi\u1ec7t trong qu\u00e1 tr\u00ecnh ph\u00e1t tri\u1ec3n s\u1ea3n ph\u1ea9m \u2014 \u0111i\u1ec1u n\u00e0y l\u00e0m t\u0103ng th\u00eam th\u1eddi gian cho quy tr\u00ecnh c\u1ea7n thi\u1ebft \u0111\u1ec3 \u0111\u01b0a m\u1ed9t s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m m\u1edbi ra th\u1ecb tr\u01b0\u1eddng. <\/p>\n\n

Gi\u1ea3i ph\u00e1p chu tr\u00ecnh s\u1ed1 2: T\u1ef1 \u0111\u1ed9ng h\u00f3a<\/h4>\n\n

C\u00e1c c\u00f4ng c\u1ee5 t\u1ef1 \u0111\u1ed9ng h\u00f3a c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng trong chu k\u1ef3 ph\u00e1t tri\u1ec3n s\u1ea3n ph\u1ea9m \u0111\u1ec3 cung c\u1ea5p c\u00e1i nh\u00ecn s\u00e2u s\u1eafc h\u01a1n, theo d\u00f5i h\u00e0nh vi \u0111\u1ec3 x\u00e1c \u0111\u1ecbnh c\u00e1c h\u1ed1c ch\u01b0a \u0111\u01b0\u1ee3c l\u1ea5p \u0111\u1ea7y cho s\u1ea3n ph\u1ea9m v\u00e0 \u0111\u1eb7t n\u1ec1n t\u1ea3ng cho vi\u1ec7c ra m\u1eaft s\u1ea3n ph\u1ea9m m\u1ea1nh m\u1ebd.<\/p>\n\n

Nh\u01b0 Frank Memmo Jr. v\u00e0 Ryan Knopp<\/a> l\u01b0u \u00fd trong ThinkAdvisor, c\u00e1c gi\u1ea3i ph\u00e1p ph\u1ea7n m\u1ec1m \u0111a k\u00eanh cung c\u1ea5p m\u1ed9t s\u1ed1 l\u1ee3i \u00edch h\u01b0\u1edbng \u0111\u1ebfn kh\u00e1ch h\u00e0ng. M\u1ed9t h\u1ec7 th\u1ed1ng thu th\u1eadp, l\u01b0u tr\u1eef v\u00e0 theo d\u00f5i d\u1eef li\u1ec7u kh\u00e1ch h\u00e0ng \u2014 v\u00e0 giao ti\u1ebfp v\u1edbi h\u1ec7 th\u1ed1ng qu\u1ea3n l\u00fd s\u1ea3n ph\u1ea9m \u2014 c\u0169ng cung c\u1ea5p th\u00f4ng tin chi ti\u1ebft s\u00e2u s\u1eafc cho c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u1ee7a m\u00ecnh. Khi t\u1ef1 \u0111\u1ed9ng h\u00f3a \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng \u0111\u1ec3 thu th\u1eadp v\u00e0 ph\u00e2n t\u00edch d\u1eef li\u1ec7u, n\u00f3 c\u00f3 th\u1ec3 r\u00fat ng\u1eafn \u0111\u00e1ng k\u1ec3 th\u1eddi gian c\u1ea7n thi\u1ebft \u0111\u1ec3 ph\u00e1t tri\u1ec3n c\u00e1c s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m \u0111\u00e1p \u1ee9ng nhu c\u1ea7u lu\u00f4n thay \u0111\u1ed5i c\u1ee7a kh\u00e1ch h\u00e0ng. <\/p>\n\n

\u201cM\u1ed9t gi\u1ea3i ph\u00e1p to\u00e0n doanh nghi\u1ec7p cho ph\u00e9p c\u00e1c quy tr\u00ecnh theo lu\u1ed3ng c\u00f4ng vi\u1ec7c \u0111\u1ea3m b\u1ea3o t\u1ea5t c\u1ea3 nh\u1eefng ng\u01b0\u1eddi tham gia v\u00e0o quy tr\u00ecnh xem x\u00e9t v\u00e0 k\u00fd x\u00e1c nh\u1eadn khi c\u1ea7n thi\u1ebft\u201d, Brian Abajah<\/a> vi\u1ebft t\u1ea1i Turnkey Africa. \u201cSau \u0111\u00f3, chi ph\u00ed ph\u00e1t tri\u1ec3n s\u1ea3n ph\u1ea9m v\u00e0 c\u00e1c n\u00fat th\u1eaft c\u1ed5 chai \u0111\u01b0\u1ee3c gi\u1ea3m xu\u1ed1ng \u0111\u1ec3 c\u1ea3i thi\u1ec7n t\u1ed1c \u0111\u1ed9 \u0111\u01b0a s\u1ea3n ph\u1ea9m ra th\u1ecb tr\u01b0\u1eddng v\u00e0 ch\u1ea5t l\u01b0\u1ee3ng c\u0169ng nh\u01b0 kh\u1ea3 n\u0103ng ph\u00e1t tri\u1ec3n v\u00e0 s\u1eeda \u0111\u1ed5i s\u1ea3n ph\u1ea9m \u0111\u1ed3ng th\u1eddi d\u1eabn \u0111\u1ebfn t\u0103ng doanh thu\u201d. <\/p>\n\n

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

T\u01b0\u01a1ng lai c\u1ee7a s\u1ef1 ph\u00e1t tri\u1ec3n: B\u00e0i h\u1ecdc r\u00fat ra cho c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m P&C<\/h4>\n\n

Insurtech \u0111\u00e3 d\u1eabn \u0111\u1ea7u trong vi\u1ec7c ph\u1ed1i h\u1ee3p c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m t\u00e0i s\u1ea3n v\u00e0 th\u01b0\u01a1ng vong v\u1edbi t\u1ed1c \u0111\u1ed9 c\u1ee7a cu\u1ed9c s\u1ed1ng s\u1ed1 hi\u1ec7n \u0111\u1ea1i. V\u00ed d\u1ee5, kh\u00f4ng c\u00f3 g\u00ec ng\u1ea1c nhi\u00ean khi M\u01b0\u1eddi xu h\u01b0\u1edbng h\u00e0ng \u0111\u1ea7u trong B\u1ea3o hi\u1ec3m t\u00e0i s\u1ea3n v\u00e0 th\u01b0\u01a1ng vong n\u0103m 2018 c\u1ee7a Capgemini<\/a> \u0111\u1ec1u li\u00ean quan \u0111\u1ebfn c\u00f4ng ngh\u1ec7, t\u1eeb vi\u1ec7c s\u1eed d\u1ee5ng ph\u00e2n t\u00edch v\u00e0 thu\u1eadt to\u00e1n ti\u00ean ti\u1ebfn \u0111\u1ec3 theo d\u00f5i h\u00e0nh vi c\u1ee7a kh\u00e1ch h\u00e0ng cho \u0111\u1ebfn c\u00e1ch m\u00e1y bay kh\u00f4ng ng\u01b0\u1eddi l\u00e1i v\u00e0 xe t\u1ef1 \u0111\u1ed9ng thay \u0111\u1ed5i c\u00e1ch c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m suy ngh\u0129 v\u00e0 \u0111\u00e1nh gi\u00e1 r\u1ee7i ro. <\/p>\n\n

Do \u0111\u00f3, c\u0169ng kh\u00f4ng c\u00f3 g\u00ec \u0111\u00e1ng ng\u1ea1c nhi\u00ean khi c\u00e1c c\u00f4ng ty s\u1eed d\u1ee5ng c\u00f4ng ngh\u1ec7 t\u1eeb n\u0103m 1998 th\u1ea5y m\u00ecnh b\u1ecb m\u1eafc k\u1eb9t trong t\u1ed1c \u0111\u1ed9 ph\u00e1t tri\u1ec3n s\u1ea3n ph\u1ea9m c\u1ee7a Th\u1ebf k\u1ef7 20 – v\u00e0, ng\u00e0y c\u00e0ng t\u0103ng, v\u1edbi c\u00e1c s\u1ea3n ph\u1ea9m c\u1ee7a Th\u1ebf k\u1ef7 20.<\/p>\n\n

Theo m\u1ed9t b\u00e1o c\u00e1o c\u1ee7a McKinsey<\/a> , cu\u1ed9c c\u00e1ch m\u1ea1ng k\u1ef9 thu\u1eadt s\u1ed1 trong b\u1ea3o hi\u1ec3m kh\u00f4ng ch\u1ec9 c\u00f3 ti\u1ec1m n\u0103ng thay \u0111\u1ed5i c\u00e1ch ph\u00e1t tri\u1ec3n c\u00e1c s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m m\u00e0 c\u00f2n thay \u0111\u1ed5i ch\u00ednh c\u00e1c s\u1ea3n ph\u1ea9m \u0111\u00f3. Ph\u1ea1m vi b\u1ea3o hi\u1ec3m k\u1ef9 thu\u1eadt s\u1ed1 \u0111ang gia t\u0103ng v\u00e0 nhu c\u1ea7u d\u1ef1 ki\u1ebfn s\u1ebd t\u0103ng khi th\u1ebf h\u1ec7 ng\u01b0\u1eddi b\u1ea3n \u0111\u1ecba k\u1ef9 thu\u1eadt s\u1ed1 \u0111\u1ea7u ti\u00ean b\u1eaft \u0111\u1ea7u tr\u01b0\u1edfng th\u00e0nh. <\/p>\n\n

Alan Walker<\/a> t\u1ea1i Capgemini g\u1ea7n \u0111\u00e2y \u0111\u00e3 d\u1ef1 \u0111o\u00e1n r\u1eb1ng trong t\u01b0\u01a1ng lai g\u1ea7n, vi\u1ec7c ph\u00e1t tri\u1ec3n s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m t\u00e0i s\u1ea3n v\u00e0 th\u01b0\u01a1ng vong s\u1ebd tr\u1edf th\u00e0nh m\u00f4-\u0111un. Walker l\u01b0u \u00fd r\u1eb1ng “Thi\u1ebft k\u1ebf m\u00f4-\u0111un cho ph\u00e9p ph\u00e1t tri\u1ec3n v\u00f4 s\u1ed1 s\u1ea3n ph\u1ea9m m\u1edbi m\u1ed9t c\u00e1ch nhanh ch\u00f3ng v\u00e0 d\u1ec5 d\u00e0ng”. <\/p>\n\n

N\u00f3 c\u0169ng cho ph\u00e9p c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m ph\u1ea3n \u1ee9ng nhanh h\u01a1n v\u1edbi nhu c\u1ea7u c\u1ee7a kh\u00e1ch h\u00e0ng v\u1ec1 ph\u1ea1m vi b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c c\u00e1 nh\u00e2n h\u00f3a. V\u00e0 trong khi c\u00e1ch ti\u1ebfp c\u1eadn ph\u00f2ng h\u1ecdp v\u00e0 th\u1ee7 t\u1ee5c gi\u1ea5y t\u1edd \u0111\u1ec3 ph\u00e1t tri\u1ec3n kh\u00f4ng \u0111\u1ee7 kh\u1ea3 n\u0103ng x\u1eed l\u00fd c\u00e1c s\u1ea3n ph\u1ea9m theo m\u00f4-\u0111un, nhi\u1ec1u h\u1ec7 th\u1ed1ng qu\u1ea3n l\u00fd v\u00e0 ph\u00e1t tri\u1ec3n s\u1ea3n ph\u1ea9m c\u00f3 th\u1ec3 d\u1ec5 d\u00e0ng th\u00edch \u1ee9ng v\u1edbi c\u00e1ch ti\u1ebfp c\u1eadn nh\u01b0 v\u1eady. <\/p>\n\n

\u201cC\u00e1c s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m th\u1ec3 hi\u1ec7n s\u1ef1 hi\u1ec3u bi\u1ebft c\u1ee7a m\u1ed7i c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u1ec1 t\u01b0\u01a1ng lai\u201d, Donald Light<\/a> , gi\u00e1m \u0111\u1ed1c t\u1ea1i Celent LLC, \u0111\u00e3 vi\u1ebft v\u00e0o n\u0103m 2006. \u201cKhi quan \u0111i\u1ec3m c\u1ee7a c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u1ec1 c\u00e1c kho\u1ea3n l\u1ee3i nhu\u1eadn, t\u1ed5n th\u1ea5t, r\u1ee7i ro v\u00e0 c\u01a1 h\u1ed9i c\u00f3 th\u1ec3 thay \u0111\u1ed5i, th\u00ec c\u00e1c s\u1ea3n ph\u1ea9m c\u1ee7a c\u00f4ng ty c\u0169ng ph\u1ea3i thay \u0111\u1ed5i\u201d. <\/p>\n\n

M\u01b0\u1eddi hai n\u0103m sau, l\u1eddi c\u1ee7a Light v\u1eabn \u0111\u00fang. Kh\u00f4ng ch\u1ec9 c\u00e1c s\u1ea3n ph\u1ea9m c\u1ee7a c\u00f4ng ty b\u1ea3o hi\u1ec3m ph\u1ea3i thay \u0111\u1ed5i m\u00e0 c\u00e1c quy tr\u00ecnh m\u00e0 c\u00f4ng ty h\u00ecnh dung, ph\u00e1t tri\u1ec3n v\u00e0 ch\u1ec9nh s\u1eeda c\u00e1c s\u1ea3n ph\u1ea9m \u0111\u00f3 c\u0169ng ph\u1ea3i thay \u0111\u1ed5i. <\/p>\n\n

C\u0169ng gi\u1ed1ng nh\u01b0 m\u00e1y fax v\u00e0 email \u0111\u00e3 thay \u0111\u1ed5i b\u1ea3o hi\u1ec3m trong nh\u1eefng th\u1eadp k\u1ef7 tr\u01b0\u1edbc, s\u1ef1 gia t\u0103ng c\u1ee7a ph\u00e2n t\u00edch v\u00e0 d\u1eef li\u1ec7u l\u1edbn s\u1ebd c\u00e1ch m\u1ea1ng h\u00f3a – v\u00e0 t\u0103ng t\u1ed1c – qu\u00e1 tr\u00ecnh ph\u00e1t tri\u1ec3n s\u1ea3n ph\u1ea9m.<\/p>\n\n

h\u00ecnh \u1ea3nh b\u1edfi: rawpixel \/ \u00a9123RF Stock Photo, gstockstudio \/ \u00a9123RF Stock Photo, pressmaster \/ \u00a9123RF Stock Photo<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

Chu k\u1ef3 ph\u00e1t tri\u1ec3n s\u1ea3n ph\u1ea9m truy\u1ec1n th\u1ed1ng trong b\u1ea3o hi\u1ec3m t\u00e0i s\u1ea3n v\u00e0 th\u01b0\u01a1ng vong di\u1ec5n ra ch\u1eadm nh\u01b0 r\u00f9a b\u00f2. C\u00e1c b\u1ea3n th\u1ea3o, ph\u00ea duy\u1ec7t, s\u1eeda \u0111\u1ed5i, x\u00e1c minh c\u00e1c chi ti\u1ebft ch\u00ednh v\u00e0 c\u00e1c b\u01b0\u1edbc kh\u00e1c m\u1ea5t nhi\u1ec1u th\u00e1ng gi\u1eefa th\u1eddi \u0111i\u1ec3m h\u00ecnh th\u00e0nh s\u1ea3n ph\u1ea9m m\u1edbi v\u00e0 ng\u00e0y s\u1ea3n ph\u1ea9m \u0111\u00f3 […]<\/p>\n","protected":false},"featured_media":5131,"template":"","insight-category":[],"class_list":["post-21360","insight","type-insight","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight\/21360","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\/5131"}],"wp:attachment":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/media?parent=21360"}],"wp:term":[{"taxonomy":"insight-category","embeddable":true,"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight-category?post=21360"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}