{"id":21370,"date":"2024-09-30T14:46:23","date_gmt":"2024-09-30T19:46:23","guid":{"rendered":"https:\/\/bolttech.io\/insights\/du-doan-tuong-lai-cua-insurtech-nhung-tien-bo-ngay-nay-co-y-nghia-gi-doi-voi-nam-2025\/"},"modified":"2024-11-06T17:33:02","modified_gmt":"2024-11-06T22:33:02","slug":"du-doan-tuong-lai-cua-insurtech-nhung-tien-bo-ngay-nay-co-y-nghia-gi-doi-voi-nam-2025","status":"publish","type":"insight","link":"https:\/\/bolttech.io\/vi\/insights\/du-doan-tuong-lai-cua-insurtech-nhung-tien-bo-ngay-nay-co-y-nghia-gi-doi-voi-nam-2025\/","title":{"rendered":"D\u1ef1 \u0111o\u00e1n t\u01b0\u01a1ng lai c\u1ee7a Insurtech: Nh\u1eefng ti\u1ebfn b\u1ed9 ng\u00e0y nay c\u00f3 \u00fd ngh\u0129a g\u00ec \u0111\u1ed1i v\u1edbi n\u0103m 2025"},"content":{"rendered":"\n

Insurtech \u0111\u00e3 ph\u00e1t tri\u1ec3n m\u1ea1nh m\u1ebd v\u00e0o n\u0103m 2018. Ch\u00fang ta \u0111\u00e3 ch\u1ee9ng ki\u1ebfn c\u00e1c c\u00f4ng ty kh\u1edfi nghi\u1ec7p insurtech \u0111\u01b0\u1ee3c t\u00e0i tr\u1ee3 ho\u1eb7c mua l\u1ea1i th\u00e0nh c\u00f4ng, v\u00e0 c\u00e1c c\u00f4ng ty insurtech l\u00e2u \u0111\u1eddi b\u1eaft \u0111\u1ea7u th\u1ef1c s\u1ef1 c\u1ea1nh tranh v\u1edbi c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m truy\u1ec1n th\u1ed1ng. <\/p>\n\n

Nh\u1eefng xu h\u01b0\u1edbng insurtech n\u00e0y s\u1ebd c\u00f3 t\u00e1c \u0111\u1ed9ng s\u00e2u s\u1eafc \u0111\u1ebfn ng\u00e0nh b\u1ea3o hi\u1ec3m trong n\u0103m 2019. \u0110\u1ebfn n\u0103m 2025, insurtech s\u1ebd xu\u1ea5t hi\u1ec7n \u1edf kh\u1eafp m\u1ecdi n\u01a1i \u2014 v\u00e0 nhi\u1ec1u th\u00f3i quen c\u0169 c\u1ee7a ng\u00e0nh b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 s\u1ebd \u0111\u01b0\u1ee3c thay th\u1ebf b\u1eb1ng c\u00e1c c\u00f4ng c\u1ee5 c\u00f4ng ngh\u1ec7 mang l\u1ea1i k\u1ebft qu\u1ea3 t\u1ed1t h\u01a1n, chi ph\u00ed th\u1ea5p h\u01a1n v\u00e0 kh\u00e1ch h\u00e0ng h\u00e0i l\u00f2ng h\u01a1n.<\/p>\n\n

Insurtech trong qu\u00e1 kh\u1ee9: D\u1ea5u \u1ea5n c\u1ee7a n\u0103m 2018<\/h4>\n\n

Ch\u1ee7 \u0111\u1ec1 v\u1ec1 insurtech \u0111\u00e3 xu\u1ea5t hi\u1ec7n \u1edf kh\u1eafp m\u1ecdi n\u01a1i trong n\u0103m 2018 v\u00e0 v\u00ec l\u00fd do ch\u00ednh \u0111\u00e1ng: Nh\u1eefng \u0111\u1ed5i m\u1edbi c\u1ee7a Insurtech \u0111\u00e3 b\u1eaft \u0111\u1ea7u ph\u00e1 v\u1ee1 m\u1ecdi ng\u00f3c ng\u00e1ch c\u1ee7a ng\u00e0nh b\u1ea3o hi\u1ec3m, t\u1eeb b\u1ea3o l\u00e3nh ph\u00e1t h\u00e0nh \u0111\u1ebfn k\u1ef3 v\u1ecdng c\u1ee7a kh\u00e1ch h\u00e0ng.<\/p>\n\n

Trong khi c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c th\u00e0nh l\u1eadp nghi\u00ean c\u1ee9u t\u1eeb xa, t\u00edch h\u1ee3p h\u1ec7 th\u1ed1ng m\u00e1y t\u00ednh im l\u1eb7ng c\u1ee7a h\u1ecd ho\u1eb7c ph\u00f3ng m\u00e1y bay kh\u00f4ng ng\u01b0\u1eddi l\u00e1i \u0111\u1ec3 \u0111\u00e1nh gi\u00e1 c\u00e1c y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng thi\u1ec7t h\u1ea1i, nh\u1eefng \u0111\u1ed5i m\u1edbi v\u00e0 gi\u00e1n \u0111o\u1ea1n c\u00f4ng ngh\u1ec7 b\u1ea3o hi\u1ec3m l\u1edbn nh\u1ea5t \u0111\u00e3 x\u1ea3y ra \u0111\u1eb1ng sau h\u1eadu tr\u01b0\u1eddng.<\/p>\n\n

L\u00e3i su\u1ea5t l\u1edbn c\u00f3 ngh\u0129a l\u00e0 t\u00e0i tr\u1ee3 l\u1edbn<\/h4>\n\n

Trong n\u0103m qua, h\u00e0ng ch\u1ee5c c\u00f4ng ty kh\u1edfi nghi\u1ec7p insurtech \u0111\u00e3 thu h\u00fat s\u1ef1 ch\u00fa \u00fd c\u1ee7a c\u00e1c c\u00f4ng ty \u0111\u1ea7u t\u01b0 m\u1ea1o hi\u1ec3m v\u00e0 c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 \u0111\u1ed9c l\u1eadp. \u0110i\u1ec1u n\u00e0y \u0111\u00e3 d\u1eabn \u0111\u1ebfn c\u00e1c kho\u1ea3n \u0111\u1ea7u t\u01b0 l\u1edbn v\u00e0 nhanh ch\u00f3ng v\u00e0o ng\u00e0nh, Nathan Golia<\/a> , T\u1ed5ng bi\u00ean t\u1eadp Digital Insurance cho bi\u1ebft. <\/p>\n\n

Qu\u00fd \u0111\u1ea7u ti\u00ean c\u1ee7a n\u0103m 2018 ch\u1ee9ng ki\u1ebfn 66 th\u1ecfa thu\u1eadn t\u00e0i tr\u1ee3 insurtech \u0111\u01b0\u1ee3c b\u1ea3o \u0111\u1ea3m; trong qu\u00fd th\u1ee9 hai, 71 th\u1ecfa thu\u1eadn \u0111\u00e3 gia nh\u1eadp danh s\u00e1ch, c\u00e2y b\u00fat Lea Nonninger<\/a> c\u1ee7a Business Insider cho bi\u1ebft. Tuy nhi\u00ean, t\u1ed5ng s\u1ed1 ti\u1ec1n t\u00e0i tr\u1ee3 \u0111\u00e3 nh\u1ecf h\u01a1n trong qu\u00fd th\u1ee9 hai, cho th\u1ea5y n\u0103m 2019 c\u00f3 th\u1ec3 l\u00e0 n\u0103m m\u00e0 c\u00e1c c\u00f4ng ty insurtech m\u1edbi ph\u1ea3i ch\u1ee9ng minh \u0111\u01b0\u1ee3c m\u00ecnh tr\u00ean th\u1ecb tr\u01b0\u1eddng thay v\u00ec ch\u1ee9ng minh kh\u1ea3 n\u0103ng thu h\u00fat c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0. <\/p>\n\n

C\u00e1c c\u00f4ng ty Insurtech \u0111\u01b0\u1ee3c th\u00e0nh l\u1eadp \u0111\u00e3 v\u01b0\u1ee3t qua n\u1ed7i \u0111au ng\u00e0y c\u00e0ng t\u0103ng c\u1ee7a h\u1ecd<\/h4>\n\n

Tuy nhi\u00ean, th\u00e0nh t\u00edch c\u1ee7a c\u00e1c c\u00f4ng ty insurtech l\u00e2u \u0111\u1eddi h\u01a1n v\u00e0o n\u0103m 2018 l\u1ea1i mang \u0111\u1ebfn ngu\u1ed3n hy v\u1ecdng cho c\u00e1c c\u00f4ng ty m\u1edbi n\u1ed5i. C\u00e1c doanh nghi\u1ec7p insurtech l\u00e2u \u0111\u1eddi \u0111\u00e3 v\u01b0\u1ee3t qua nh\u1eefng kh\u00f3 kh\u0103n ban \u0111\u1ea7u v\u00e0 ti\u1ebfn t\u1edbi v\u1ecb th\u1ebf \u1ed5n \u0111\u1ecbnh v\u00e0 \u0111\u01b0\u1ee3c t\u00f4n tr\u1ecdng trong ng\u00e0nh, c\u00e2y b\u00fat Sarah Kocianski<\/a> c\u1ee7a Business Insider cho bi\u1ebft. <\/p>\n\n

C\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 c\u00f3 \u1ea3nh h\u01b0\u1edfng nh\u1ea5t hi\u1ec7n nay \u0111ang l\u1ef1a ch\u1ecdn \u0111\u1ea7u t\u01b0 kh\u00f4ng ph\u1ea3i v\u00e0o c\u00e1c c\u00f4ng ty insurtech ho\u00e0n to\u00e0n m\u1edbi, m\u00e0 l\u00e0 v\u00e0o c\u00e1c v\u00f2ng g\u1ecdi v\u1ed1n giai \u0111o\u1ea1n cu\u1ed1i v\u00e0 ti\u1ebfp theo. Xu h\u01b0\u1edbng n\u00e0y cho th\u1ea5y ng\u00e0nh b\u1ea3o hi\u1ec3m \u0111\u00e3 \u0111\u1ea1t \u0111\u1ebfn \u0111i\u1ec3m u\u1ed1n, c\u00e1c nh\u00e0 l\u00e3nh \u0111\u1ea1o Deloitte Garry Shaw v\u00e0 Sam Friedman<\/a> cho bi\u1ebft. Xu h\u01b0\u1edbng n\u00e0y c\u00f3 kh\u1ea3 n\u0103ng s\u1ebd ti\u1ebfp t\u1ee5c v\u00e0o n\u0103m 2019, l\u00e0m t\u0103ng \u00e1p l\u1ef1c l\u00ean c\u00e1c c\u00f4ng ty kh\u1edfi nghi\u1ec7p insurtech \u0111\u1ec3 th\u1ef1c hi\u1ec7n \u0111\u00fang l\u1eddi h\u1ee9a c\u1ee7a h\u1ecd. <\/p>\n\n

B\u1ea3o hi\u1ec3m m\u1ea1ng y\u00eau c\u1ea7u an ninh m\u1ea1ng<\/h4>\n\n

An ninh m\u1ea1ng l\u00e0 m\u1ed1i quan t\u00e2m h\u00e0ng \u0111\u1ea7u c\u1ee7a ng\u00e0nh b\u1ea3o hi\u1ec3m v\u00e0o n\u0103m 2018. Do \u0111\u00f3, th\u1ecb tr\u01b0\u1eddng s\u1ea3n ph\u1ea9m v\u00e0 d\u1ecbch v\u1ee5 b\u1ea3o hi\u1ec3m tr\u1ef1c tuy\u1ebfn s\u1ebd ti\u1ebfp t\u1ee5c t\u0103ng tr\u01b0\u1edfng, theo b\u00e1o c\u00e1o c\u1ee7a c\u00e2y b\u00fat Michael Kasdin<\/a> c\u1ee7a Insurance Journal. \u0110i\u1ec1u n\u00e0y t\u1ea1o ra nhi\u1ec1u \u00e1p l\u1ef1c h\u01a1n \u0111\u1ec3 gi\u1eef an to\u00e0n cho d\u1eef li\u1ec7u c\u1ee7a kh\u00e1ch h\u00e0ng v\u00e0 c\u00f4ng ty b\u1ea3o hi\u1ec3m kh\u1ecfi b\u1ecb khai th\u00e1c. <\/p>\n\n

\u0110\u1ec3 gi\u1ea3i quy\u1ebft nh\u1eefng lo ng\u1ea1i v\u1ec1 b\u1ea3o m\u1eadt k\u1ef9 thu\u1eadt s\u1ed1, Hi\u1ec7p h\u1ed9i \u1ee6y vi\u00ean B\u1ea3o hi\u1ec3m Qu\u1ed1c gia (NAIC) \u0111\u00e3 t\u1ea1o ra Lu\u1eadt M\u1eabu v\u1ec1 B\u1ea3o m\u1eadt D\u1eef li\u1ec7u B\u1ea3o hi\u1ec3m v\u00e0o n\u0103m 2017, theo l\u1eddi t\u00e1c gi\u1ea3 Don Jergler<\/a> c\u1ee7a Insurance Journal. V\u00e0 m\u1ed9t s\u1ed1 ti\u1ec3u bang \u0111\u00e3 l\u00e0m theo. N\u0103m 2018, Nam Carolina \u0111\u00e3 ban h\u00e0nh lu\u1eadt b\u1ea3o m\u1eadt k\u1ef9 thu\u1eadt s\u1ed1 b\u1ea3o hi\u1ec3m g\u1ea7n gi\u1ed1ng v\u1edbi lu\u1eadt m\u1eabu c\u1ee7a NAIC. New York \u0111\u00e3 ban h\u00e0nh lu\u1eadt b\u1ea3o m\u1eadt t\u01b0\u01a1ng t\u1ef1 v\u00e0 m\u1ed9t s\u1ed1 ti\u1ec3u bang kh\u00e1c \u0111ang xem x\u00e9t ban h\u00e0nh lu\u1eadt t\u01b0\u01a1ng t\u1ef1 v\u00e0o n\u0103m 2019. <\/p>\n\n

Lu\u1eadt s\u01b0 Christopher M. Brubaker<\/a> c\u1ee7a Clark Hill cho bi\u1ebft th\u00eam, c\u00e2u h\u1ecfi \u0111\u1eb7t ra cho c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m ng\u00e0y nay l\u00e0 li\u1ec7u lu\u1eadt ph\u00e1p v\u00e0 quy \u0111\u1ecbnh c\u00f3 th\u1ec3 theo k\u1ecbp nhu c\u1ea7u b\u1ea3o m\u1eadt k\u1ef9 thu\u1eadt s\u1ed1 \u0111ang thay \u0111\u1ed5i hay kh\u00f4ng. Tr\u00e1ch nhi\u1ec7m \u0111i tr\u01b0\u1edbc c\u00e1c m\u1ed1i lo ng\u1ea1i v\u1ec1 b\u1ea3o m\u1eadt c\u00f3 th\u1ec3 thu\u1ed9c v\u1ec1 l\u0129nh v\u1ef1c insurtech, l\u0129nh v\u1ef1c n\u00e0y s\u1ebd c\u1ea7n ph\u1ea3i th\u00edch \u1ee9ng theo th\u1eddi gian th\u1ef1c \u0111\u1ec3 b\u1ea3o v\u1ec7 c\u1ea3 c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u00e0 kh\u00e1ch h\u00e0ng c\u1ee7a h\u1ecd. <\/p>\n\n

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

Insurtech hi\u1ec7n t\u1ea1i: Xu h\u01b0\u1edbng gia t\u0103ng n\u0103m 2019<\/h4>\n\n

Nhi\u1ec1u xu h\u01b0\u1edbng c\u1ee7a n\u0103m 2018 s\u1ebd ti\u1ebfp t\u1ee5c ph\u00e1t tri\u1ec3n v\u00e0 t\u0103ng tr\u01b0\u1edfng trong n\u0103m 2019. C\u00e1c c\u00f4ng ty kh\u1edfi nghi\u1ec7p Insurtech c\u00f3 kh\u1ea3 n\u0103ng s\u1ebd ti\u1ebfp t\u1ee5c xu\u1ea5t hi\u1ec7n v\u00e0 s\u1ef1 quan t\u00e2m t\u00e0i tr\u1ee3 cho c\u00e1c c\u00f4ng ty kh\u1edfi nghi\u1ec7p n\u00e0y c\u00f3 th\u1ec3 v\u1eabn m\u1ea1nh m\u1ebd trong m\u1ed9t th\u1eddi gian. Tuy nhi\u00ean, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m mu\u1ed1n h\u1ecdc h\u1ecfi t\u1eeb s\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a insurtech s\u1ebd l\u00e0m t\u1ed1t khi \u0111\u1ec3 m\u1eaft \u0111\u1ebfn c\u00e1c c\u00f4ng ty ph\u00e1t tri\u1ec3n nhanh ch\u00f3ng v\u00e0 c\u00e1c c\u00f4ng c\u1ee5 m\u00e0 h\u1ecd \u0111ang \u00e1p d\u1ee5ng. <\/p>\n\n

Insurtech chuy\u1ec3n t\u1eeb kh\u1eed siloing sang h\u1ec7 sinh th\u00e1i<\/h4>\n\n

V\u00e0o n\u0103m 2018, ph\u00e1 v\u1ee1 c\u00e1c silo v\u1eabn l\u00e0 ch\u1ee7 \u0111\u1ec1 ch\u00ednh c\u1ee7a cu\u1ed9c tr\u00f2 chuy\u1ec7n. Tuy nhi\u00ean, khi n\u0103m 2019 m\u1edf ra, ng\u00e0nh c\u00f4ng nghi\u1ec7p insurtech ti\u00ean ti\u1ebfn \u0111ang v\u01b0\u1ee3t ra ngo\u00e0i vi\u1ec7c ch\u1ec9 \u0111\u01a1n thu\u1ea7n l\u00e0 ph\u00e1 v\u1ee1 c\u00e1c silo \u0111\u1ec3 \u00e1p d\u1ee5ng m\u00f4 h\u00ecnh h\u1ec7 sinh th\u00e1i t\u00edch h\u1ee3p ho\u00e0n to\u00e0n, Simon Kaesler v\u00e0 Felix Schollmeier<\/a> c\u1ee7a McKinsey cho bi\u1ebft. <\/p>\n\n

“Tham gia v\u00e0o c\u00e1c h\u1ec7 sinh th\u00e1i cho ph\u00e9p ng\u01b0\u1eddi ch\u01a1i b\u1ea3o hi\u1ec3m gia t\u0103ng gi\u00e1 tr\u1ecb th\u00f4ng qua c\u00e1c hi\u1ec7u \u1ee9ng m\u1ea1ng – v\u00ed d\u1ee5, b\u1eb1ng c\u00e1ch t\u1eadn d\u1ee5ng c\u00e1c n\u1ec1n t\u1ea3ng \u0111\u00e3 \u0111\u01b0\u1ee3c thi\u1ebft l\u1eadp c\u1ee7a c\u00e1c \u0111\u1ed3ng minh – v\u00e0 t\u00edch h\u1ee3p c\u00e1c d\u1ecbch v\u1ee5 b\u1ea3o hi\u1ec3m v\u00e0o c\u00e1c s\u1ea3n ph\u1ea9m kh\u00e1c.”<\/p>\n\n

C\u00e1c m\u00f4 h\u00ecnh h\u1ec7 sinh th\u00e1i c\u1ea3i thi\u1ec7n giao ti\u1ebfp v\u1edbi kh\u00e1ch h\u00e0ng, x\u00e2y d\u1ef1ng l\u00f2ng tin v\u00e0 ph\u00f9 h\u1ee3p v\u1edbi b\u1ed1i c\u1ea3nh cu\u1ed9c s\u1ed1ng c\u1ee7a kh\u00e1ch h\u00e0ng, c\u00e1c t\u00e1c gi\u1ea3 c\u1ee7a Insurance Thought Leadership l\u00e0 Roger Peverelli v\u00e0 Reggy De Feniks<\/a> cho bi\u1ebft. V\u00ed d\u1ee5, b\u1eb1ng c\u00e1ch h\u1ee3p t\u00e1c v\u1edbi m\u1ed9t c\u00f4ng ty th\u1ebf ch\u1ea5p, m\u1ed9t c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 \u0111\u1ecbnh v\u1ecb m\u00ecnh l\u00e0 \u0111\u1ed3ng minh c\u00f3 gi\u00e1 tr\u1ecb \u0111\u1ed1i v\u1edbi ng\u01b0\u1eddi mua nh\u00e0 khi n\u00f3i \u0111\u1ebfn vi\u1ec7c b\u1ea3o hi\u1ec3m ng\u00f4i nh\u00e0 m\u00e0 h\u1ecd \u0111\u00e3 r\u1ea5t v\u1ea5t v\u1ea3 \u0111\u1ec3 mua. <\/p>\n\n

API chi\u1ebfm v\u1ecb tr\u00ed trung t\u00e2m<\/h4>\n\n

Giao di\u1ec7n x\u1eed l\u00fd \u1ee9ng d\u1ee5ng, hay API, cho ph\u00e9p c\u00e1c ch\u01b0\u01a1ng tr\u00ecnh m\u00e1y t\u00ednh giao ti\u1ebfp v\u1edbi nhau m\u00e0 kh\u00f4ng y\u00eau c\u1ea7u ng\u01b0\u1eddi d\u00f9ng ph\u1ea3i chuy\u1ec3n \u0111\u1ed5i gi\u1eefa hai ch\u01b0\u01a1ng tr\u00ecnh, Petr Gazarov<\/a> c\u1ee7a FreeCodeCamp gi\u1ea3i th\u00edch. Theo quan \u0111i\u1ec3m c\u1ee7a ng\u01b0\u1eddi d\u00f9ng, c\u00f4ng vi\u1ec7c \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n trong m\u1ed9t \u1ee9ng d\u1ee5ng ho\u1eb7c giao di\u1ec7n duy nh\u1ea5t m\u00e0 h\u1ecd quen thu\u1ed9c. <\/p>\n\n

API \u0111\u00e3 th\u00e2m nh\u1eadp v\u00e0o c\u00e1c l\u0129nh v\u1ef1c nh\u01b0 ch\u0103m s\u00f3c s\u1ee9c kh\u1ecfe, n\u01a1i ch\u00fang cho ph\u00e9p c\u00e1c h\u1ec7 th\u1ed1ng c\u0169 giao ti\u1ebfp m\u00e0 kh\u00f4ng c\u1ea7n s\u1ef1 tham gia c\u1ee7a con ng\u01b0\u1eddi. C\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 t\u1eadn d\u1ee5ng API \u0111\u1ec3 c\u1ea3i thi\u1ec7n giao ti\u1ebfp gi\u1eefa c\u00e1c ph\u00f2ng ban tr\u01b0\u1edbc \u0111\u00e2y b\u1ecb c\u00f4 l\u1eadp, Caribou Honig<\/a> , \u0111\u1ed3ng s\u00e1ng l\u1eadp c\u1ee7a InsurTech Connect cho bi\u1ebft. Honig d\u1ef1 \u0111o\u00e1n r\u1eb1ng API s\u1ebd tr\u1edf n\u00ean ph\u1ed5 bi\u1ebfn h\u01a1n n\u1eefa v\u00e0o n\u0103m 2019. <\/p>\n\n

Insurtech th\u00fac \u0111\u1ea9y s\u00e1p nh\u1eadp<\/h4>\n\n

S\u00e1p nh\u1eadp v\u00e0 mua l\u1ea1i l\u00e0 ch\u1ee7 \u0111\u1ec1 ph\u1ed5 bi\u1ebfn v\u00e0o n\u0103m 2018 v\u00e0 c\u00f3 kh\u1ea3 n\u0103ng s\u1ebd ph\u00e1t tri\u1ec3n v\u00e0o n\u0103m 2019. Sharad Sachdev,<\/a> gi\u00e1m \u0111\u1ed1c ph\u00e2n t\u00edch c\u1ee7a Accenture, cho bi\u1ebft c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m l\u00e2u \u0111\u1eddi \u0111ang ti\u1ebfp qu\u1ea3n c\u00e1c doanh nghi\u1ec7p insurtech nh\u1ecf h\u01a1n \u0111\u00e3 kh\u1eb3ng \u0111\u1ecbnh \u0111\u01b0\u1ee3c v\u1ecb th\u1ebf tr\u00ean th\u1ecb tr\u01b0\u1eddng. <\/p>\n\n

“Ch\u00fang t\u00f4i \u0111\u00e3 th\u1ea5y c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m l\u1edbn mua l\u1ea1i c\u00e1c c\u00f4ng ty kh\u1edfi nghi\u1ec7p s\u00e1ng t\u1ea1o nh\u1ecf. Suy ngh\u0129 \u0111\u1eb1ng sau s\u1ef1 h\u1ee3p nh\u1ea5t n\u00e0y r\u1ea5t \u0111\u01a1n gi\u1ea3n – r\u1eb1ng c\u00f4ng ty c\u00f3 th\u1ec3 cung c\u1ea5p cho ch\u00fang t\u00f4i l\u1ee3i th\u1ebf c\u1ea1nh tranh v\u00e0 ch\u00fang t\u00f4i mu\u1ed1n c\u00f3 l\u1ee3i th\u1ebf c\u1ea1nh tranh \u0111\u00f3 cho ch\u00ednh m\u00ecnh. “<\/p>\n\n

Khi nhi\u1ec1u c\u00f4ng ty kh\u1edfi nghi\u1ec7p insurtech ch\u1ee9ng t\u1ecf b\u1ea3n th\u00e2n trong n\u0103m nay, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c th\u00e0nh l\u1eadp s\u1ebd c\u00f3 nhi\u1ec1u l\u00fd do h\u01a1n \u0111\u1ec3 h\u1ed7 tr\u1ee3 h\u1ecd v\u1ec1 m\u1eb7t t\u00e0i ch\u00ednh.<\/p>\n\n

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

T\u01b0\u01a1ng lai Insurtech: Nh\u1eefng g\u00ec ch\u00fang ta s\u1ebd th\u1ea5y v\u00e0o n\u0103m 2025<\/h4>\n\n

Nh\u1eefng thay \u0111\u1ed5i s\u1eafp t\u1edbi s\u1ebd khi\u1ebfn b\u1ed1i c\u1ea3nh b\u1ea3o hi\u1ec3m n\u0103m 2025 tr\u1edf n\u00ean kh\u00e1c bi\u1ec7t r\u1ea5t nhi\u1ec1u so v\u1edbi hi\u1ec7n nay. Sau \u0111\u00e2y l\u00e0 xu h\u01b0\u1edbng c\u00f4ng ngh\u1ec7 b\u1ea3o hi\u1ec3m ng\u00e0y nay c\u00f3 th\u1ec3 t\u00e1c \u0111\u1ed9ng \u0111\u1ebfn ng\u00e0nh b\u1ea3o hi\u1ec3m trong s\u00e1u n\u0103m t\u1edbi.<\/p>\n\n

Tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o s\u1ebd b\u1ed5 sung cho tr\u00ed th\u00f4ng minh c\u1ee7a con ng\u01b0\u1eddi<\/h3>\n\n

Tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o (AI) \u0111\u00e3 \u0111\u01b0\u1ee3c m\u1ed9t s\u1ed1 doanh nghi\u1ec7p t\u1eadn d\u1ee5ng \u0111\u1ec3 c\u1ea3i thi\u1ec7n d\u1ecbch v\u1ee5 kh\u00e1ch h\u00e0ng, ph\u00e2n t\u00edch d\u1eef li\u1ec7u v\u00e0 c\u00e1c nhi\u1ec7m v\u1ee5 t\u01b0\u01a1ng t\u1ef1, t\u00e1c gi\u1ea3 Luke Cohler<\/a> c\u1ee7a PropertyCasualty360 cho bi\u1ebft. Tuy nhi\u00ean, AI ng\u00e0y nay v\u1eabn \u0111ang h\u1ecdc h\u1ecfi t\u1eeb ch\u00fang ta v\u00e0 th\u01b0\u1eddng \u0111\u00f2i h\u1ecfi s\u1ef1 gi\u00e1m s\u00e1t ch\u1eb7t ch\u1ebd c\u1ee7a con ng\u01b0\u1eddi \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o AI mang l\u1ea1i nh\u1eefng l\u1ee3i \u00edch \u0111\u00e3 h\u1ee9a. <\/p>\n\n

Trong nh\u1eefng n\u0103m t\u1edbi, t\u00ecnh h\u00ecnh n\u00e0y c\u00f3 th\u1ec3 s\u1ebd kh\u00e1c. AI \u0111ang ti\u1ebfn tri\u1ec3n nhanh ch\u00f3ng v\u00e0 \u0111\u1ebfn n\u0103m 2025, AI c\u00f3 th\u1ec3 \u0111\u00e3 \u0103n s\u00e2u v\u00e0o cu\u1ed9c s\u1ed1ng h\u00e0ng ng\u00e0y c\u1ee7a ch\u00fang ta \u0111\u1ebfn m\u1ee9c ch\u00fang ta h\u1ea7u nh\u01b0 kh\u00f4ng nh\u1eadn th\u1ea5y s\u1ef1 h\u1ed7 tr\u1ee3 m\u00e0 n\u00f3 mang l\u1ea1i, theo d\u1ef1 \u0111o\u00e1n c\u1ee7a nh\u00e0 kinh t\u1ebf tr\u01b0\u1edfng Hal Varian<\/a> c\u1ee7a Google. \u0110\u1ed1i v\u1edbi c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m, s\u1ef1 tr\u1ed7i d\u1eady c\u1ee7a AI s\u1ebd n\u00e2ng cao kh\u1ea3 n\u0103ng giao ti\u1ebfp ch\u01b0a t\u1eebng c\u00f3. C\u1ee5 th\u1ec3, AI s\u1ebd gi\u00fap c\u00e1c nh\u00e0 cung c\u1ea5p hi\u1ec3u r\u00f5 h\u01a1n v\u00e0 x\u1eed l\u00fd khi\u1ebfu n\u1ea1i \u1edf c\u1ea5p \u0111\u1ed9 c\u00e1 nh\u00e2n \u2014 t\u1ea5t c\u1ea3 m\u00e0 kh\u00f4ng l\u00e0m m\u1ea5t s\u1ef1 ch\u00fa \u00fd c\u1ee7a con ng\u01b0\u1eddi v\u00e0o cu\u1ed9c tr\u00f2 chuy\u1ec7n. <\/p>\n\n

B\u1ea3o hi\u1ec3m s\u1ebd t\u1eadn d\u1ee5ng c\u00e1c h\u1ee3p \u0111\u1ed3ng th\u00f4ng minh<\/h3>\n\n

Blockchain, hay h\u1ec7 th\u1ed1ng s\u1ed5 c\u00e1i ph\u00e2n t\u00e1n, \u0111\u00e3 \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng \u0111\u1ec3 c\u1ea3i thi\u1ec7n b\u1ea3o m\u1eadt v\u00e0 l\u01b0u tr\u1eef d\u1eef li\u1ec7u trong to\u00e0n ng\u00e0nh b\u1ea3o hi\u1ec3m. Tuy nhi\u00ean, blockchain c\u0169ng cung c\u1ea5p c\u01a1 h\u1ed9i t\u1ea1o ra c\u00e1c h\u1ee3p \u0111\u1ed3ng th\u00f4ng minh v\u00e0 \u0111\u00e2y l\u00e0 n\u01a1i b\u1ea3o hi\u1ec3m s\u1ebd \u0111\u01b0\u1ee3c h\u01b0\u1edfng l\u1ee3i nhi\u1ec1u nh\u1ea5t t\u1eeb c\u00f4ng ngh\u1ec7 n\u00e0y, t\u00e1c gi\u1ea3 c\u1ee7a Insurance Thought Leadership Jay DeVivo<\/a> cho bi\u1ebft. <\/p>\n\n

M\u1ed9t h\u1ee3p \u0111\u1ed3ng th\u00f4ng minh theo d\u00f5i th\u1eddi \u0111i\u1ec3m m\u1ed9t s\u1ed1 \u0111i\u1ec1u kho\u1ea3n nh\u1ea5t \u0111\u1ecbnh \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n, sau \u0111\u00f3 ph\u1ea3n h\u1ed3i b\u1eb1ng c\u00e1ch k\u00edch ho\u1ea1t m\u1ed9t s\u1ed1 h\u00e0nh \u0111\u1ed9ng th\u00edch h\u1ee3p, \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh tr\u01b0\u1edbc, JR Gutierrez<\/a> t\u1ea1i CryptoVest vi\u1ebft. V\u00ec c\u00e1c h\u1ee3p \u0111\u1ed3ng \u0111\u01b0\u1ee3c l\u01b0u tr\u1eef tr\u00ean blockchain, n\u00ean t\u1ea5t c\u1ea3 c\u00e1c h\u00e0nh \u0111\u1ed9ng v\u00e0 b\u00ean trong t\u00e0i li\u1ec7u \u0111\u1ec1u kh\u00f3 b\u1ecb hack. <\/p>\n\n

\u0110\u1ed1i v\u1edbi c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m, h\u1ee3p \u0111\u1ed3ng th\u00f4ng minh c\u00f3 th\u1ec3 th\u1ef1c hi\u1ec7n c\u00e1c b\u01b0\u1edbc nh\u01b0 t\u1ef1 \u0111\u1ed9ng ph\u1ea3n h\u1ed3i khi\u1ebfu n\u1ea1i ho\u1eb7c \u0111i\u1ec1u ch\u1ec9nh ph\u1ea1m vi b\u1ea3o hi\u1ec3m \u0111\u1ec3 ph\u00f9 h\u1ee3p v\u1edbi kho\u1ea3n thanh to\u00e1n ph\u00ed b\u1ea3o hi\u1ec3m. \u0110i\u1ec1u n\u00e0y cho ph\u00e9p con ng\u01b0\u1eddi t\u1eadp trung v\u00e0o nh\u1eefng chi ti\u1ebft m\u00e0 m\u00e1y t\u00ednh kh\u00f4ng th\u1ec3 \u0111\u00e1nh gi\u00e1 ch\u00ednh x\u00e1c.<\/p>\n\n

C\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c th\u00e0nh l\u1eadp s\u1ebd l\u00e0 c\u00e1c c\u00f4ng ty Insurtech<\/h3>\n\n

Xu h\u01b0\u1edbng s\u00e1p nh\u1eadp v\u00e0 mua l\u1ea1i ng\u00e0y c\u00e0ng t\u0103ng gi\u1eefa c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m l\u00e2u \u0111\u1eddi v\u00e0 c\u00e1c c\u00f4ng ty insurtech l\u00e0 ph\u1ea3n \u1ee9ng tr\u01b0\u1edbc nhu c\u1ea7u ng\u00e0y c\u00e0ng t\u0103ng v\u1ec1 vi\u1ec7c hi\u1ec3u v\u00e0 t\u1eadn d\u1ee5ng d\u1eef li\u1ec7u, Stephan Hochburger<\/a> c\u1ee7a Insurance Journal vi\u1ebft. Tuy nhi\u00ean, \u0111\u00e2y c\u0169ng ch\u1ec9 l\u00e0 b\u01b0\u1edbc \u0111\u1ea7u ti\u00ean trong qu\u00e1 tr\u00ecnh chuy\u1ec3n \u0111\u1ed5i b\u1ea3o hi\u1ec3m k\u1ef9 thu\u1eadt s\u1ed1. <\/p>\n\n

Vi\u1ec7c s\u00e1p nh\u1eadp c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u00e0 c\u00e1c c\u00f4ng ty d\u1eabn \u0111\u1ea7u v\u1ec1 insurtech s\u1ebd thay \u0111\u1ed5i v\u0103n h\u00f3a n\u1ed9i b\u1ed9 c\u1ee7a c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m t\u00ecm ki\u1ebfm nh\u1eefng m\u1ed1i quan h\u1ec7 n\u00e0y. Khi c\u00f4ng ngh\u1ec7 ti\u1ebfp t\u1ee5c nh\u00fang v\u00e0o quy tr\u00ecnh b\u1ea3o hi\u1ec3m, ranh gi\u1edbi gi\u1eefa c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u00e3 th\u00e0nh l\u1eadp v\u00e0 c\u00e1c c\u00f4ng ty kh\u1edfi nghi\u1ec7p insurtech s\u1ebd m\u1edd d\u1ea7n. \u0110\u1ebfn n\u0103m 2025, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m s\u1ebd th\u1eed nghi\u1ec7m v\u00e0 tung ra c\u00e1c c\u00f4ng c\u1ee5 c\u00f4ng ngh\u1ec7 c\u1ee7a ri\u00eang h\u1ecd, \u0111\u01b0\u1ee3c ph\u00e1t tri\u1ec3n n\u1ed9i b\u1ed9. <\/p>\n\n

C\u00e1c c\u00f4ng ty Insurtech c\u00f3 th\u1ec3 v\u1eabn s\u1ebd t\u1ed3n t\u1ea1i, nh\u01b0ng h\u1ecd s\u1ebd c\u1ea1nh tranh \u0111\u1ec3 \u0111\u1ed5i m\u1edbi ch\u1ed1ng l\u1ea1i c\u1ea3 c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u00e0 c\u00e1c c\u00f4ng ty kh\u1edfi nghi\u1ec7p insurtech.<\/p>\n\n

H\u00ecnh \u1ea3nh b\u1edfi: Butsaya Ruengpen\/\u00a9123RF.com, dolgachov\/\u00a9123RF.com, xb100\/\u00a9123RF.com<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

Insurtech \u0111\u00e3 ph\u00e1t tri\u1ec3n m\u1ea1nh m\u1ebd v\u00e0o n\u0103m 2018. Ch\u00fang ta \u0111\u00e3 ch\u1ee9ng ki\u1ebfn c\u00e1c c\u00f4ng ty kh\u1edfi nghi\u1ec7p insurtech \u0111\u01b0\u1ee3c t\u00e0i tr\u1ee3 ho\u1eb7c mua l\u1ea1i th\u00e0nh c\u00f4ng, v\u00e0 c\u00e1c c\u00f4ng ty insurtech l\u00e2u \u0111\u1eddi b\u1eaft \u0111\u1ea7u th\u1ef1c s\u1ef1 c\u1ea1nh tranh v\u1edbi c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m truy\u1ec1n th\u1ed1ng. Nh\u1eefng xu h\u01b0\u1edbng insurtech n\u00e0y s\u1ebd […]<\/p>\n","protected":false},"featured_media":5099,"template":"","insight-category":[],"class_list":["post-21370","insight","type-insight","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight\/21370","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\/5099"}],"wp:attachment":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/media?parent=21370"}],"wp:term":[{"taxonomy":"insight-category","embeddable":true,"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight-category?post=21370"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}